Podcasts about Consumer

Super Mario Bros is 40 years old. It's an incredibly simple game (it takes up the same memory as a smartphone wallpaper), yet it's incredibly popular. Over 40 million people have played it. Why? Because it's packed with psychological tips that hook players in and keep them playing. Today, Ramli John explains the subtle behavioural science tricks Super Mario games use to keep us playing. ---  Ramli's book EUREKA: https://www.delightpath.com/book/eureka Ramli's website: https://www.delightpath.com/ Subscribe to the (free) Nudge Newsletter: https://nudge.ck.page/profile Connect on LinkedIn: https://www.linkedin.com/in/phill-agnew/ Watch Nudge on YouTube: https://www.youtube.com/@nudgepodcast/ Visit the new website: https://www.nudgepodcast.com/ ---  Sources:  Alter, A. L. (2023). Anatomy of a breakthrough: How to get unstuck when it matters most. Simon & Schuster. Allen, E. J., Dechow, P. M., Pope, D. G., & Wu, G. (2017). Reference-dependent preferences: Evidence from marathon runners. Management Science, 63(6), 1657–1672. Fishbach, A. (2022). Get It Done: Surprising lessons from the science of motivation. Little, Brown Spark. Graves, P. (2010). Consumer.ology: The truth about consumers and the psychology of shopping. Nicholas Brealey Publishing. Kivetz, R., Urminsky, O., & Zheng, Y. (2006). The goal‑gradient hypothesis resurrected: Purchase acceleration, illusionary goal progress, and customer retention. Journal of Marketing Research, 43(1), 39–58. Music by Koji Kondo, © 1985 Nintendo

Over the weekend, a group of well-known organizations published an open letter to the Prime Minister. Organizations like the EMA, 2degrees and Consumer New Zealand all signed the letter calling for the government to reform the energy sector. Chief Executive of Consumer New Zealand John Duffy said that the government needs to have a fast, but measured response. He said, ‘[We don't] want the minister to rush into a knee-jerk reaction.' LISTEN ABOVE See omnystudio.com/listener for privacy information.

Vancouver Consumer - July 12, 2025 - John Carlson from John Carlson Real Estate

Vancouver Consumer - July 12, 2025 - Diamond Fernandes of the Heart Fit Clinic

As U.S. retailers manage the impacts of increased tariffs, they have taken a number of approaches to avoid raising prices for customers. Our Head of Corporate Strategy Andrew Sheets and our Head of U.S. Consumer Retail and Credit Research Jenna Giannelli discuss whether they can continue to do so.Read more insights from Morgan Stanley.----- Transcript -----Andrew Sheets: Welcome to Thoughts on the Market. I'm Andrew Sheets, Head of Corporate Credit Research at Morgan Stanley.Jenna Giannelli: And I'm Jenna Giannelli, Head of U.S. Consumer and Retail Credit Research.Andrew Sheets: And today on the podcast, we're going to dig into one of the biggest conundrums in the market today. Where and when are tariffs going to show up in prices and margins? It's Friday, July 11th at 10am in New York. Jenna, it's great to catch up with you today because I think you can really bring some unique perspective into one of the biggest puzzles that we're facing in the market today. Even with all of these various pauses and delays, the U.S. has imposed historically large tariffs on imports. And we're seeing a rapid acceleration in the amount of money collected from those tariffs by U.S. customs. These are real hard dollars that importers – or somebody else – are paying. Yet we haven't seen these tariffs show up to a significant degree in official data on prices – with recent inflation data relatively modest. And overall stock and credit markets remain pretty strong and pretty resilient, suggesting less effect.So, are these tariffs just less impactful than expected, or is there something else going on here with timing and severity? And given your coverage of the consumer and retail sectors, which is really at the center of this tariff debate – what do you think is going on?Jenna Giannelli: So yes, this is a key question and one that is dominating a lot of our client conversations. At a high level, I'd point to a few things. First, there's a timing issue here. So, when tariffs were first announced, retailers were already sitting on three to four months worth of inventory, just due to natural industry lead times. And they were able to draw down on this product.This is mostly what they sold in 1Q and likely into 2Q, which is why you haven't seen much margin or pricing impact thus far. Companies – we also saw them start to stock up heavily on inventory before the tariffs and at the lower pause rate tariffs, which is the product you referenced that we're seeing coming in now. This is really going to help mitigate margin pressure in the second quarter that you still have this lower cost inventory flowing through. On top of this timing consideration, retailers – we've just seen utilizing a range of mitigation measures, right? So, whether it's canceled or pause shipments from China, a shifting production mix or sourcing exposure in the short run, particularly before the pause rate on China. And then really leaning into just whether it's product mix shifts, cost savings elsewhere in the PNL, and vendor negotiations, right? They're really leaning into everything in their toolbox that they can. Pricing too has been talked about as something that is an option, but the option of last resort. We have heard it will be utilized, but very tactically and very surgically, as we think about the back half of the year. When you put this all together, how much impact is it having? On average from retailers that we heard from in the first quarter, they thought they would be able to mitigate about half of the expected tariff headwind, which is actually a bit better than we were expecting. Finally, I'll just comment on your comment regarding market performance. While you're right in that the overall equity and credit markets have held up well, year-to-date, retail equities and credit have fared worse than their respective indices. What's interesting, actually, is that credit though has significantly outperformed retail equities, which is a relationship we think should converge or correct as we move throughout the balance of the year.Andrew Sheets: So, Jenna, retailers saw this coming. They've been pulling various levers to mitigate the impact. You mentioned kind of the last lever that they want to pull is prices, raising prices, which is the macro thing that we care about. The thing that would actually show up in inflation. How close are we though to kind of running out of other options for these guys? That is, the only thing left is they can start raising prices?Jenna Giannelli: So closer is what I would say. We're likely not going to see a huge impact in 2Q, more likely as we head into 3Q and more heavily into the all-important fourth quarter holiday season. This is really when those higher cost goods are going to be flowing through the PNL and retailers need to offset this as they've utilized a lot of their other mitigation strategies. They've moved what they could move. They've negotiated where they could, they've cut where they could cut. And again, as this last step, it will be to try and raise price.So, who's going to have the most and least success? In our universe, we think it's going to be more difficult to pass along price in some of the more historically deflationary categories like apparel and footwear. Outside of what is a really strong brand presence, which in our universe, historically hasn't been the case.Also, in some of the higher ticket or more durable goods categories like home goods, sporting goods, furniture, we think it'll be challenging as well here to pass along higher costs. Where it's going to be less of an issue is in our Staples universe, where what we'd put is less discretionary categories like Beauty, Personal Care, which is part of the reason why we've been cautious on retail, and neutral and consumer products when we think about sector allocation.Andrew Sheets: And when do you think this will show up? Is it a third quarter story? A fourth quarter story?Jenna Giannelli: I think this is going to really start to show up in the third quarter, and more heavily into the fourth quarter, the all-important holiday season.Andrew Sheets: Yeah, and I think that's what's really interesting about the impact of this backup to the macro. Again, returning to the big picture is I think one of the most important calls that Morgan Stanley economists have is that inflation, which has been coming down somewhat so far this year is going to pick back up in August and September and October. And because it's going to pick back up, the Federal Reserve is not going to cut interest rates anymore this year because of that inflation dynamic. So, this is a big debate in the market. Many investors disagree. But I think what you're talking about in terms of there are some very understandable reasons, maybe why prices haven't changed so far. But that those price hikes could be coming have real macroeconomic implications.So, you know, maybe though, something to just close on – is to bring this to the latest headlines. You know, we're now back it seems, in a market where every day we log onto our screens, and we see a new headline of some new tariff being announced or suggested towards countries. Where do you think those announcements, so far are relative to what retailers are expecting – kind of what you think is in guidance?Jenna Giannelli: Sure. So, look what we've seen of late; the recent tariff headlines are certainly higher or worse, I think, than what investors in management teams were expecting. For Vietnam, less so; I'd say it was more in line. But for most elsewhere, in Asia, particularly Southeast Asia, the rates that are set to go in effect on August 1st, as we now understand them, are higher or worse than management teams were expecting. Recall that while guidance did show up in many flavors in the first quarter, so whether withdrawn guidance or lowered guidance. For those that did factor in tariffs to their guide, most were factoring in either pause rate tariffs or tariff rates that were at least lower than what was proposed on Liberation Day, right? So, what's the punchline here? I think despite some of the revisions we've already seen, there are more to come. To put some numbers around this, if we look at our group of retail consumer cohort, credits, consensus expectations for calling for EBITDA in our universe to be down around 5 percent year-over-year. If we apply tariff rates as we know them today for a half-year headwind starting August 1st, this number should be down around 15 percent year-over-year on a gross basis…Andrew Sheets: So, three times as much.Jenna Giannelli: Pretty significant. Exactly. And so, while there might be mitigation efforts, there might be some pricing passed along, this is still a pretty significant delta between where consensus is right now and what we know tariff rates to be today – could imply for earnings in the second half.Andrew Sheets: Jenna, thanks for taking the time to talk.Jenna Giannelli: My pleasure. Thank you.Andrew Sheets: And thank you as always for your time. If you find Thoughts to the Market useful, let us know by leaving a review wherever you listen. And also tell a friend or colleague about us today.

Embrace life's everyday graces as sacred gifts. The dangerous thing about shiny toys and material treasures is that they become your drug of choice. They bring fleeting excitement and amazing inspiration only until they become your new normal. The positive psychologists call this quirk of human behavior “hedonic adaptation”. We enjoy the novelty of the cherished watch, adored purse or enthusiastically imagined tech device until we grow bored with it. And then we begin our next hunt, like an addict obsessed with their next fix. Things never bring sustained pleasures. As a matter of fact, I humbly suggest, it's only in life's freest blessings that we'll find a joy that lasts to the end.My latest book “The Wealth Money Can't Buy” is full of fresh ideas and original tools that I'm absolutely certain will cause quantum leaps in your positivity, productivity, wellness, and happiness. You can order it now by clicking here.FOLLOW ROBIN SHARMA:InstagramFacebookTwitterYouTube

The Consumer, Superman review, Heads of State, North Korea Videos, TV/Movie/Streaming updates. VIDEO EPISODE on  YOUTUBE  www.youtube.com/@itseriknagel AUDIO EPISODE: IHeartRadio | Apple | Spotify Socials: @itseriknagel

Hugo Blankingship III is a highly respected attorney based in Washington, D.C., specializing in identity theft and false credit reporting issues. With over 30 years of experience, he has built a strong reputation for advocating on behalf of consumers who are struggling with inaccurate credit information. His mission is to help clients get incorrect data removed from their credit reports, allowing them to move forward with their financial lives. A graduate of the University of Virginia (B.A., 1982) and the Marshall-Wythe School of Law at the College of William & Mary (J.D., 1986), Hugo began his career as a law clerk to the Honorable Albert V. Bryan, Jr., former chief judge of the U.S. District Court for the Eastern District of Virginia. This foundation shaped his career and led him to become a passionate consumer rights advocate. Throughout his career, Hugo has fought tirelessly against major credit reporting agencies like Experian, TransUnion, and Equifax, ensuring they adhere to the rules. In 2004, he argued the case Nigh v. Koons Buick Pontiac GMC before the U.S. Supreme Court, and has represented clients before the Supreme Court of Virginia and the U.S. Court of Appeals for the Fourth Circuit. Hugo's clients know him as a tenacious attorney who won't back down in the pursuit of justice. Thomas B. Christiano received a B.A. from the University of Virginia in 1993 and a J.D. from the Marshall-Wythe School of Law at the College of William & Mary in 1999. Mr. Christiano has handled numerous consumer protection cases and specializes in cases involving inaccurate credit reporting under the Fair Credit Reporting Act. He has reviewed the credit reporting procedure process from the major credit reporting agencies and the dispute investigation procedures of many banks who have furnished inaccurate credit information. As an experienced credit report lawyer, he can identify the actual damages associated with credit report problems, including emotional distress damages, the loss of employment opportunities, inability to obtain a mortgage, and loss of use of credit., Mr. Christiano also publishes a blog at yourfaircreditreportlawyernow.com, which is an excellent informational resource on the subject. Thomas B. Christiano has decades of experience helping clients who have been the victim of credit fraud and identity theft. Discover how he can help you!   During the show we discussed: Common credit report errors and their impact on consumers Effects of identity theft on credit and first steps to take Challenges in disputing false credit report information Overview of the dispute process with credit bureaus How bureaus respond to disputes and what to do if ignored Consumer rights under the Fair Credit Reporting Act (FCRA) Role of Equifax, Experian, and TransUnion in disputes What to do when bureaus don't fix errors and how attorneys help Issues with mixed/merged credit files and how to resolve them Fraud tactics in credit manipulation and identity theft prevention Importance of checking credit reports and common review mistakes Steps to fix credit scores after finding report errors How bad credit affects loans, housing, and employment Benefits of working with a credit report attorney vs. doing it alone   Resources: https://www.yourfaircreditlawyer.com/  

Our lightning round covers McDonald's spicy breakfast innovation, Bob's Furniture's quirky "Furniture Eulogies" social campaign, and the new dating trend "Banksying." Plus Chris shares his furniture design advice and grocery shopping habits. Brought to you by the A&M Consumer and Retail Group, Simbe, Mirakl, and Ocampo Capital.

Evan Kuhn, President of DeLorean Labs, joins Sam to share how the iconic car brand is entering Web3. From on-chain car reservations and data-powered utility to the launch of the DMC token and partnerships with stars like Patrick Stewart and Christopher Lloyd — DeLorean is building much more than nostalgia.They discuss how the Flux Protocol enables drive-to-earn rewards, the role of the Sui blockchain, NFT-based authentication for vehicles and merchandise, and how DeLorean aims to lead automotive innovation in Web3 — not just follow the trend.Key Timestamps[00:00:00] Introduction: Sam introduces Evan and the DeLorean Web3 journey.[00:01:30] Evan's background: From founding Coinberry to joining DeLorean Labs.[00:03:30] DeLorean Labs: Bringing Web3 innovation to a 50-year-old car brand.[00:05:00] On-chain vehicle reservations: Tokenized car deposits and resale value.[00:07:00] Data utility: NFTs as digital Carfax, real-time mileage & service records.[00:08:00] Flux Protocol: How users earn DMC tokens by driving.[00:09:30] Staking model: Using NFTs and reservations as multipliers for rewards.[00:11:00] Expanding utility: Limited-edition merch with NFT authenticity.[00:12:30] Consumer reception: Concerns vs opportunities for Web3 in cars.[00:14:30] Marketplace benefits: Global reach and transparency in car resale.[00:16:00] Why SUI: Low fees, scalability, and strong developer ecosystem.[00:18:00] Challenges: Scaling the team and proving long-term commitment.[00:20:00] Partnerships: Teasing upcoming brand collaborations.[00:21:30] Celebrities: Working with Patrick Stewart and Christopher Lloyd.[00:23:00] Roadmap: More exchange listings, limited merch, Alpha5 timeline.[00:25:00] Call to action: Hiring, building utility, and growing the DeLorean community.Connecthttps://deloreanlabs.com/https://www.linkedin.com/company/delorean-labs/https://x.com/deloreanlabshttps://www.instagram.com/deloreanlabshttps://x.com/evankuhnDisclaimerNothing mentioned in this podcast is investment advice and please do your own research. Finally, it would mean a lot if you can leave a review of this podcast on Apple Podcasts or Spotify and share this podcast with a friend.Be a guest on the podcast or contact us - https://www.web3pod.xyz/

Plan your weekend entertainment, from movies and theatre to tv shows. Lunch with Pippa Hudson is CapeTalk’s mid-afternoon show. This 2-hour respite from hard news encourages the audience to take the time to explore, taste, read and reflect. The show - presented by former journalist, baker and water sports enthusiast Pippa Hudson - is unashamedly lifestyle driven. Popular features include a daily profile interview #OnTheCouch at 1:10pm. Consumer issues are in the spotlight every Wednesday while the team also unpacks all things related to health, wealth & the environment. Thank you for listening to a podcast from Lunch with Pippa Hudson Listen live on Primedia+ weekdays between 13:00 and 15:00 (SA Time) to Lunch with Pippa Hudson broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/MdSlWEs or find all the catch-up podcasts here https://buff.ly/fDJWe69 Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Pippa gives you recommendations on what you can get up to this weekend. Lunch with Pippa Hudson is CapeTalk’s mid-afternoon show. This 2-hour respite from hard news encourages the audience to take the time to explore, taste, read and reflect. The show - presented by former journalist, baker and water sports enthusiast Pippa Hudson - is unashamedly lifestyle driven. Popular features include a daily profile interview #OnTheCouch at 1:10pm. Consumer issues are in the spotlight every Wednesday while the team also unpacks all things related to health, wealth & the environment. Thank you for listening to a podcast from Lunch with Pippa Hudson Listen live on Primedia+ weekdays between 13:00 and 15:00 (SA Time) to Lunch with Pippa Hudson broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/MdSlWEs or find all the catch-up podcasts here https://buff.ly/fDJWe69 Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Pippa speaks to Rachel Nussbaum, one of the co-founders of the Enable Centre and Jenna Mills, an intern biokineticist, who provide physical and cognitive rehabilitation. Lunch with Pippa Hudson is CapeTalk’s mid-afternoon show. This 2-hour respite from hard news encourages the audience to take the time to explore, taste, read and reflect. The show - presented by former journalist, baker and water sports enthusiast Pippa Hudson - is unashamedly lifestyle driven. Popular features include a daily profile interview #OnTheCouch at 1:10pm. Consumer issues are in the spotlight every Wednesday while the team also unpacks all things related to health, wealth & the environment. Thank you for listening to a podcast from Lunch with Pippa Hudson Listen live on Primedia+ weekdays between 13:00 and 15:00 (SA Time) to Lunch with Pippa Hudson broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/MdSlWEs or find all the catch-up podcasts here https://buff.ly/fDJWe69 Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Pippa speaks to the founder of Parkrun, Paul Sinton-Hewitt, who has just published his memoire called One Small Step, which reveals how his own childhood here in South Africa helped shape the vision of what Parkrun would become. Lunch with Pippa Hudson is CapeTalk’s mid-afternoon show. This 2-hour respite from hard news encourages the audience to take the time to explore, taste, read and reflect. The show - presented by former journalist, baker and water sports enthusiast Pippa Hudson - is unashamedly lifestyle driven. Popular features include a daily profile interview #OnTheCouch at 1:10pm. Consumer issues are in the spotlight every Wednesday while the team also unpacks all things related to health, wealth & the environment. Thank you for listening to a podcast from Lunch with Pippa Hudson Listen live on Primedia+ weekdays between 13:00 and 15:00 (SA Time) to Lunch with Pippa Hudson broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/MdSlWEs or find all the catch-up podcasts here https://buff.ly/fDJWe69 Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Pippa speaks to the CEO of the Franschhoek Wine Valley Ruth McCourt about Franschhoek hosting the prestigious Montreux Jazz Festival in March 2026. Lunch with Pippa Hudson is CapeTalk’s mid-afternoon show. This 2-hour respite from hard news encourages the audience to take the time to explore, taste, read and reflect. The show - presented by former journalist, baker and water sports enthusiast Pippa Hudson - is unashamedly lifestyle driven. Popular features include a daily profile interview #OnTheCouch at 1:10pm. Consumer issues are in the spotlight every Wednesday while the team also unpacks all things related to health, wealth & the environment. Thank you for listening to a podcast from Lunch with Pippa Hudson Listen live on Primedia+ weekdays between 13:00 and 15:00 (SA Time) to Lunch with Pippa Hudson broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/MdSlWEs or find all the catch-up podcasts here https://buff.ly/fDJWe69 Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk/ CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Special Episode: Modern Therapist's Consumer Guide on Relias Curt and Katie talk with Candace Wallace, Chief Customer Officer at Relias, about how this tech-enabled platform supports therapist training, infrastructure, and regulatory compliance. Candace explains how Relias helps practices of all sizes reduce admin burdens, improve staff retention, and compete in a changing behavioral health landscape. This episode is part of our Modern Therapist Consumer Guide, where we explore tools and services designed for therapists and their clients. About Our Guest:Candace Wallace is the Chief Customer Officer at Relias, overseeing Customer Success, Renewals, Support, and Professional Services. Since joining in 2013, she's led several key teams and now focuses on delivering customer value at scale. With degrees in Archaeology and Religion from Baylor University, Candace's career path includes both compliance consulting and a deep commitment to healthcare systems transformation. Key Takeaways: Relias reduces administrative burdens to improve patient care Solutions are tailored to solo, small, and large practices alike Training, leadership development, and compliance tracking in one platform Helps therapist-led organizations stay competitive and grow sustainably Started with small providers—continues to focus on accessible, effective tools For full show notes and transcripts, visit:https://www.mtsgpodcast.com Join the Modern Therapist Community:Linktree Creative Credits:Voice Over by DW McCannMusic by Crystal Grooms Mangano

Texas flooding death toll climbs to 119 as search for more people continues; Poll: Most Americans say Trump has gone 'too far' on immigration; Consumer protection agency takes a big hit under Trump tax law; New England health clinics face closure, ask states to fill funding gap.

Dena Jalbert reacts to Ferrero buying WK Kellogg (KLG) at $23/share, a 40% premium. Part of the premium, she argues, is because the deal lets Ferrero enter the U.S. breakfast market – and another part is KLG's existing debt. She thinks this was a “specific and intentional” deal and doesn't think KLG is looking for other merger offers. She talks about global consumer tastes and Kellogg's healthy options in addition to the sugary. Dena also discusses pricing power for consumer staples companies.======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-...Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-...Watch on Sling - https://watch.sling.com/1/asset/19192...Watch on Vizio - https://www.vizio.com/en/watchfreeplu...Watch on DistroTV - https://www.distro.tv/live/schwab-net...Follow us on X – / schwabnetwork Follow us on Facebook – / schwabnetwork Follow us on LinkedIn - / schwab-network About Schwab Network - https://schwabnetwork.com/about

Buy Now, Pay Later (BNPL) financing continues to grow in popularity. These short-term loans, which are typically 6 weeks and usually interest-free, appeal to consumers who want flexible payments and no credit card debt.Consumer advocates warn that BNPL services make it too easy for people to purchase items they can't afford, which can result in late fees and costly bank charges. Personal finance experts worry about the growing number of people who use BNPL to buy everyday items, such as groceries, gasoline, and food delivery services.In this episode, we discuss how BNPL works, the possible pitfalls, and the smart way to use these short-term loans.Related Consumerpedia Episodes:Episode 80: Debt Busters: Real-Life Success StoriesEpisode 50: Finding a Credit Card That's Right for YouAdditional Resources:Bankrate: About half of buy now, pay later users have experienced issues like overspending and missing paymentsNational Consumer Law Center: Risks and Advice for Buy Now, Pay Later BorrowersConsumer Financial Protection Bureau: CFPB Research Reveals Heavy Buy Now, Pay Later Use Among Borrowers with High Credit Balances and Multiple Pay-in-Four LoansNot a Checkbook member? ⁠⁠⁠⁠⁠Sign up for a free 30-day trial to access all of our unbiased ratings⁠⁠⁠⁠⁠.

Texas flooding death toll climbs to 119 as search for more people continues; Poll: Most Americans say Trump has gone 'too far' on immigration; Consumer protection agency takes a big hit under Trump tax law; New England health clinics face closure, ask states to fill funding gap.

Eric Tak has headed the ECB's Product Proposition Division of the Directorate Digital Euro since June 2024. He is responsible for managing the design and refinement of the digital euro product proposition, including the distribution model via payment service providers, and liaising closely with internal and external stakeholders.On The Menu:1. Preserving cash benefits while enabling remote digital transactions.2. Offline payment functionality using token-based NFC technology solutions.3. Consumer adoption incentives beyond the current payment method satisfaction.4. Non-programmable money approach despite social media speculation buzz.5. Stablecoin differences, central bank backing versus private money.6. Innovation competition strategy, the private sector is building on the ECB platform.7. European payment sovereignty and universal accessibility mission goals.Click here for a free trial: https://bit.ly/495qC9UFollow us on social media to hear from us more -Facebook- https://bit.ly/3ZYLiewInstagram- https://bit.ly/3UsdrtfLinkedin- https://bit.ly/43pdmdUTwitter- https://bit.ly/43qPvKXPinterest- https://bit.ly/3KOOa9uHappy creating!#EricTikka #ECB #Outgrow #Wallets #Marketing #EuropeanCentralBank #MarketerOfTheMonth #Podcastoftheday #Marketingpodcast

There is a recent report by Menlo Ventures, 2025: The State of Consumer AI, stating that, "More than half of American adults (61%) have used AI in the past six months, and nearly one in five rely on it every day. Scaled globally, that translates to 1.7-1.8 billion people who have used AI tools, with 500-600 million engaging daily. This is no longer experimentation; it's habit formation at an unprecedented scale. When we do the math, 1.8 billion users at an average monthly subscription cost of $20 per month equals $432 billion a year; $12 billion market indicates that only about 3% pay for premium services - a strikingly low conversion rate and one of the largest and fastest-emerging monetization gaps in recent consumer tech history. Even ChatGPT, with its first-mover advantage, only converts about 5% of its weekly active users into paying subscribers. This gap between usage and payment represents a major opportunity." David Stephen, who does research in conceptual Brain Science explores innovation for Consumer AI profitability The problem for consumer AI companies is simply not for the lack of need but for the absence of - products and services - branching. What are people already paying for that they would be willing to pay extra for, given valuable AI features? Computing for Consumer AI Profitability What are people not paying for that they would be willing to pay for, because it augments their abilities with AI, in a way that is not simply AI agentic usage? What are people using AI for that they have found that comes with risks that they would be willing to pay for [safety] to mitigate those risks? News in Two Languages News publishers are seeking more digital subscriptions amid lower traffic from major search engines because of AI summaries. What else can be added to news [as a service] to make people pay more? Language. All news can be displayed in at least 2 languages: side-by-side, line-by-line, paragraph-by-paragraph. The purpose of this will be to build familiarity with the other language. By seeing sentences, words and so on, in another language, regularly, without the burden of memorization, it can become easier to learn the other language, and maintain a mental consistency in sustaining what is learned. There would be learning resources for the rudiments of the language, but it would be easier for languages with similar alphabets. For those with different alphabets, prior lessons would be necessary. The objective will be to have dynamic and sustained continuity even when there is no one to speak - or practice - with, to solidify the knowledge. A platform can be developed. News publishers can own accounts on it. Then translations are provided for their contents, based on subscriptions and they get something more. They may also host the API on their websites and apps, to have their subscribers there have access. News is not information to memorize. Combining another language would boost cognition across ages, ensure AI is inducing better neuroplasticity for humans and providing new value for mind, not just a utility providing some answers in dissociation - without learning. It may also be useful to source news at certain destinations, with happenings but with only one news edition. It may shape how loved ones from afar get informed. News is what people are paying for already that they would be willing to pay more for, with an extra AI service for language. AI Pen beyond AI Wearable or AI Pin or AI Sound Device What would be the next biggest AI device that would scale and be pervasive would not be an AI wearable or some AI sound device. It would be a pen that would fascinate users. Most humans write with their dominant hands, because of concepts in brain science called laterality and handedness. Simply, one hand delivers more coordination and stability than the other. So, most pens - including digital pens - are built to work with the dominant hand since balance and coordination are not an issue. However, what if a...

Pippa Hudson, speaks to Ikamva’s head of programmes Barbara Stemmert about their Mandela Day 2025 – 67 Gogos initiative. Lunch with Pippa Hudson is CapeTalk’s mid-afternoon show. This 2-hour respite from hard news encourages the audience to take the time to explore, taste, read and reflect. The show - presented by former journalist, baker and water sports enthusiast Pippa Hudson - is unashamedly lifestyle driven. Popular features include a daily profile interview #OnTheCouch at 1:10pm. Consumer issues are in the spotlight every Wednesday while the team also unpacks all things related to health, wealth & the environment. Thank you for listening to a podcast from Lunch with Pippa Hudson Listen live on Primedia+ weekdays between 13:00 and 15:00 (SA Time) to Lunch with Pippa Hudson broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/MdSlWEs or find all the catch-up podcasts here https://buff.ly/fDJWe69 Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Pippa Hudson, speaks to Ernest North, the co-founder of Naked, the fully digital insurance platform, about tips when buying a second-hand vehicle privately. Lunch with Pippa Hudson is CapeTalk’s mid-afternoon show. This 2-hour respite from hard news encourages the audience to take the time to explore, taste, read and reflect. The show - presented by former journalist, baker and water sports enthusiast Pippa Hudson - is unashamedly lifestyle driven. Popular features include a daily profile interview #OnTheCouch at 1:10pm. Consumer issues are in the spotlight every Wednesday while the team also unpacks all things related to health, wealth & the environment. Thank you for listening to a podcast from Lunch with Pippa Hudson Listen live on Primedia+ weekdays between 13:00 and 15:00 (SA Time) to Lunch with Pippa Hudson broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/MdSlWEs or find all the catch-up podcasts here https://buff.ly/fDJWe69 Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Pippa Hudson, speaks to horticulturist Hilda Stanfliet about starting to compost in your garden. Lunch with Pippa Hudson is CapeTalk’s mid-afternoon show. This 2-hour respite from hard news encourages the audience to take the time to explore, taste, read and reflect. The show - presented by former journalist, baker and water sports enthusiast Pippa Hudson - is unashamedly lifestyle driven. Popular features include a daily profile interview #OnTheCouch at 1:10pm. Consumer issues are in the spotlight every Wednesday while the team also unpacks all things related to health, wealth & the environment. Thank you for listening to a podcast from Lunch with Pippa Hudson Listen live on Primedia+ weekdays between 13:00 and 15:00 (SA Time) to Lunch with Pippa Hudson broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/MdSlWEs or find all the catch-up podcasts here https://buff.ly/fDJWe69 Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Pippa Hudson, speaks to Patience Phoshoko, a student at Stellenbosch University who was chosen to represent South Africa at the Asia Youth International Model United Nations. She was later chosen as the best delegate at the event, as voted by the UNICEF Council. Lunch with Pippa Hudson is CapeTalk’s mid-afternoon show. This 2-hour respite from hard news encourages the audience to take the time to explore, taste, read and reflect. The show - presented by former journalist, baker and water sports enthusiast Pippa Hudson - is unashamedly lifestyle driven. Popular features include a daily profile interview #OnTheCouch at 1:10pm. Consumer issues are in the spotlight every Wednesday while the team also unpacks all things related to health, wealth & the environment. Thank you for listening to a podcast from Lunch with Pippa Hudson Listen live on Primedia+ weekdays between 13:00 and 15:00 (SA Time) to Lunch with Pippa Hudson broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/MdSlWEs or find all the catch-up podcasts here https://buff.ly/fDJWe69 Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Pippa Hudson, speaks to Werner Bekker about his debut album and his new song Compromise. Link to the song - https://open.spotify.com/track/5T1RT7FcDqiunpOzppUsEL Lunch with Pippa Hudson is CapeTalk’s mid-afternoon show. This 2-hour respite from hard news encourages the audience to take the time to explore, taste, read and reflect. The show - presented by former journalist, baker and water sports enthusiast Pippa Hudson - is unashamedly lifestyle driven. Popular features include a daily profile interview #OnTheCouch at 1:10pm. Consumer issues are in the spotlight every Wednesday while the team also unpacks all things related to health, wealth & the environment. Thank you for listening to a podcast from Lunch with Pippa Hudson Listen live on Primedia+ weekdays between 13:00 and 15:00 (SA Time) to Lunch with Pippa Hudson broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/MdSlWEs or find all the catch-up podcasts here https://buff.ly/fDJWe69 Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

In this episode of Supply Chain Now, hosts Scott Luton and Tevon Taylor chat with Lori Boyer, Head of Content Marketing at EasyPost and host of Unboxing Logistics, to discuss what's ahead for Peak Season 2025, and why it may be the most unpredictable one yet.They explore the key challenges brands are facing, from rising shipping costs and tariffs to shaky consumer confidence and outdated systems. Lori shares findings from EasyPost's latest research, offering practical ways retailers can build flexibility into their operations and stay ahead of volatility. You'll hear why microsurges are reshaping peak season, and why diversifying your carrier mix could make all the difference. For supply chain pros, brand leaders, and operators heading into the busiest time of year, this episode is packed with takeaways you can actually use to stay agile and win peak season, and not just survive it.Jump into the conversation:(00:00) Intro (01:51) Special guest introduction: Lori Boyer (02:39) Unboxing Logistics and EasyPost (07:18) Challenges in the supply chain industry (11:21) External pressures on brands (19:34) Consumer confidence and spending trends (25:52) The rise of microsurges (29:20) Importance of communication and data (33:13) Carrier landscape shifts (39:22) Overcoming legacy systems for peak successResources:Connect with Lori Boyer: https://www.linkedin.com/in/loribboyer/ Learn more about EasyPost: https://www.easypost.com/ Check out Unboxing Logistics: https://www.easypost.com/podcast 5 Ways to Win Peak 2025 with Easy Post: https://bit.ly/3IgVFrbAre you ready for Peak Season? Episode with Forrester: https://bit.ly/4ljviiIConnect with Scott Luton: https://www.linkedin.com/in/scottwindonluton/Connect with Tevon Taylor: https://www.linkedin.com/in/tevontaylor/overlay/contact-info/ Learn more about Supply Chain Now: https://supplychainnow.com Watch and listen to more Supply Chain Now episodes here: https://supplychainnow.com/program/supply-chain-now Subscribe to Supply Chain Now on your favorite platform: https://supplychainnow.com/join Work with us! Download Supply Chain Now's NEW Media Kit: https://bit.ly/3XH6OVkWEBINAR- Transforming Operations: Flowers Foods Unveils Its Digital Supply Chain Revolution:

Eric Seufert, general partner Heracles Capital and proprietor of Mobile Dev Memo, joins Double Take for a deep dive on the evolution of the search market, focusing on the impact of AI and changing consumer behavior on major tech companies.

Stephen Grootes discusses with Peter Attard Montalto, Managing Director at Krutham, the potential implications of the US tariffs and the government's response, highlighting the need for strategic diplomatic and trade interventions to mitigate the impact on South Africa's economy. In other interviews, Consumer ninja, Wendy Knowler, chats about the potential pitfalls of cellphone contracts, particularly the steep penalties for early cancellation and the significant price hikes that can occur after the initial contract period ends, leaving customers facing much higher monthly subscription fees. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape. Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa Follow us on social media 702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702 CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567See omnystudio.com/listener for privacy information.

In this episode of Recycled Content, host Kara Pochiro is joined by Meredith Boyd, Executive Vice President and Chief Product Officer at Unifi, to discuss the innovation behind REPREVE®, which received the APR Recycling Technology Innovation Award. Together, they explore how REPREVE® has transformed textile recycling by leveraging multiple sources into different sustainable fibers. Meredith shares insights on the importance of transparency, sustainability, and market diversity in building a true circular economy, as well as why textile recycling is about longevity, rather than “downcycling.” The conversation highlights how policy and mindset shifts drive change, the challenges of the recycling industry, and offers insights into what the future holds for textile recycling. Tune in!

Patrick Foy, senior director of commercial insurance strategic planning, TransUnion discusses how new data reveals dramatic shifts in where and how Americans are relocating, with implications for everything from risk assessment in fast-growing Texas markets to Gen Z-targeted outreach, auto underwriting, and beneficiary tracking.

Surprise bills and opaque healthcare costs continue to frustrate consumers. Health plans must do more to address these concerns or risk losing members. In this episode of Healthcare Insider, Jay Deady, president of price optimization at Zelis, joins Modern Healthcare to explore how payers can evolve beyond call centers and generic outreach to offer personalized, transparent billing support. Learn how new tools and approaches are helping health plans build trust, improve member satisfaction and reduce financial stress—one interaction at a time.

Today I'm joined by Jessica Stafford, SVP Consumer Solutions at Cox Automotive. We dive into the how car buying behavior is evolving, why consumers are embracing AI faster than dealers and much more. This episode is brought to you by: 1. Numa - Numa is the first AI agent platform for auto dealerships. Address communication breakdowns with customers and get full visibility into all service interactions. Numa answers every call, rescues and books service appointments and lets service teams see all customer communications in one place. Increase Repair Order revenue, expand your customer base and increase CSI. Visit @ https://www.numa.com/ 2. Lotlinx - Get the best possible market advantage on every vehicle transaction. Optimize operations and boost profits using artificial intelligence (AI) and machine learning. Learn more @ https://lotlinx.com/ 3. Cox Automotive - From virtual assistants and gen AI to automation and predictive insights, learn which AI solutions are right for your dealership. Learn more by downloading “Artificial Intelligence for Automotive Retailers.” Visit https://carguymedia.com/4n2YpYP for more info. Need help finding top automotive talent? Get started here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.cdgrecruiting.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Interested in advertising with Car Dealership Guy? Drop us a line here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://cdgpartner.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Interested in being considered as a guest on the podcast? Add your name here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/3Suismu⁠⁠⁠⁠⁠⁠ Topics: 00:15 What's Jessica's role in auto? 02:30 How has digital retail evolved? 04:15 What defines omnichannel car buying? 07:41 How omnichannel impacts dealers? 18:12 Best AI uses for dealers? 21:11 Highest ROI changes for dealers? 23:56 Future outlook for auto retail? Check out Car Dealership Guy's stuff: CDG News ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://news.dealershipguy.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ CDG Jobs ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://jobs.dealershipguy.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ CDG Recruiting ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.cdgrecruiting.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ My Socials: X ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠x.com/GuyDealership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠instagram.com/cardealershipguy/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠tiktok.com/@guydealership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ LinkedIn ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠linkedin.com/company/cardealershipguy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Threads ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠threads.net/@cardealershipguy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Facebook ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠facebook.com/profile.php?id=100077402857683⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Everything else ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠dealershipguy.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ This podcast is for informational purposes only and should not be relied upon as a basis for investment decisions.

In this week's episode of China Insider, Miles Yu discusses Chinese Communist Party's 100-million-member milestone, what this means for China, and whether the declining annual membership growth rates indicate concerning trends about the future health of the Party. Next, Miles comments on Foreign Minister Wang Yi's recent visit with European Commission Vice President Kaja Kallas, including the Foreign Minister's candid comments from a closed-door meeting that revealed China's stance on the Russian invasion of Ukraine is more one-sided than previous official Party statements have publicly indicated. Lastly, Miles tests the myth of China's consumer consumption crisis and unpacks the nuanced relationship between China's selective consumer spending and current income disparities.China Insider is a weekly podcast project from Hudson Institute's China Center, hosted by China Center Director and Senior Fellow, Dr. Miles Yu, who provides weekly news that mainstream American outlets often miss, as well as in-depth commentary and analysis on the China challenge and the free world's future.

Here are 3 big things you need to know—   One — A federal judge has temporarily barred the federal government from carrying out a provision of a law duly passed by Congress and approved by the President. The judge has moved to prevent the Trump administration from revoking funding for Planned Parenthood just days after President Trump signed it into law. The U.S. Supreme Court should get involved quickly, since the ruling is the equivalent of dissolving Congress and ignoring 50 years of Supreme Court precedent. Two --- Israeli Prime Minister Benjamin Netanyahu is nominating President Trump for the Nobel Peace Prize.  He announced the nomination at a dinner at the White House, saying Trump is pursuing peace and security in many lands, especially in the Middle East.    And number three --- Amazon Prime Day starts today.  The annual event brings in billions of dollars in global sales and retailers see an immediate boost in e-commerce activity.  Consumer experts warn of "price anchoring"  --  where some sellers jack up prices before Prime Day, then offer what appears to be a discount that is actually the product's normal price or even higher.

Eric Zorn, Publisher of The Picayune Sentinel, joins John Williams to talk about the controversy surrounding Alex Cooper’s rendition of ‘Take Me Out to the Ballgame’ at the Cubs game the other night, former Alderman Ed Burke being released from prison early, Jesse Jackson Jr. mulling another run for Congress, and if he believes Illinois should […]

A CMO Confidential Interview with Andy Sack and Adam Brotman, Co-Founders and Co-CEO's of Forum 3, authors of the book AI First, previously at Microsoft and Starbucks. They discuss why AI is different from previous technology advances and the series of "Holy Shit!" moments experienced when interviewing Sam Altman, Bill Gates and others. Key topics include: their belief that AI is "moving faster than you think" since it isn't constrained by an adoption curve or infrastructure; the power of Artificial General Intelligence which will be smarter than most experts; why trying to calculate the ROI of AI is comparable to measuring the return on electricity; and the possibility of 95% of marketing and agency jobs being impacted over the next 5 years. Tune in to hear how Chat GPT scored a top grade on the AP Biology Exam, how Moderna became an AI leader, and their tips for staying near the front of the wave.This week on CMO Confidential, host Mike Linton sits down with Adam Brotman, former Chief Digital Officer of Starbucks and co-CEO of J.Crew, and Andy Sack, venture capitalist and Managing Partner at Keen Capital. Together they co-authored AI First and co-founded Forum3, a company on a mission to educate businesses on how to thrive in the AI era.In this episode, Adam and Andy recount their interviews with leaders like Sam Altman, Bill Gates, and Reid Hoffman—and unpack why we are at a true “Holy Sh*t Moment” in technology.Learn how generative AI is poised to replace 95% of marketing tasks, what agentic AI means for the future of work, and why marketers need to shift from campaign thinking to orchestration and system design—fast.Topics Covered: • What Adam and Andy learned from interviewing tech's top minds • Why artificial general intelligence (AGI) is closer than you think • How AI tools will transform agency and in-house marketing roles • Why marketers must experiment now—or risk irrelevance • The unexpected productivity ROI of adopting AI toolsThis episode isn't just about AI—it's about how business leaders and marketers must transform to remain relevant in the age of exponential change.00:00 - Intro & AI-Powered Marketing by Publicis Sapient 01:42 - Welcome + Adam Brotman & Andy Sack intro 04:45 - Why “AI First” started as “Our AI Journey” 08:13 - The “Holy Sh*t” moment explained 10:00 - Interviewing Sam Altman and the AGI revelation 15:50 - Bill Gates' AI holy sh*t moment 20:30 - What AGI means for marketers and agencies 25:20 - Agentic AI and spinning up marketing agents 30:40 - Consumer behavior and synthetic influencers 34:50 - How agencies must evolve or die 38:20 - The case study of Moderna's AI-first approach 41:00 - Evaluating AI vendors + building internal councils 45:10 - The ROI of AI: Productivity & Unlocks 49:00 - Playbook for becoming an AI-first org 52:30 - Funny poker shirt story + parting advice 56:00 - Closing thoughts and next episode teaser #GenerativeAI #CMOConfidential #AdamBrotman #AndySack #Forum3 #MarketingAI #AIInMarketing #AIRevolution #HolyShitMoment #AIFirst #SamAltman #BillGates #AGI #MarketingPodcast #DigitalTransformation #FutureOfWork #AIProductivity #ChiefMarketingOfficer #CMOLife #AIPlaybook #MarketingLeadership #AIForBusinessSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Ready to dive into the wild world of credit union predictions? Want to know what's next for the financial landscape in 2025? Join host Mark Ritter and COO of MBFS Jeff Lyons in this lively episode of Credit Union Conversations as they toss out bold forecasts for the rest of the year! From the chaotic twists of the NCUA board saga to the buzz around potential interest rate cuts by the Federal Reserve, Jeff and Mark unpack what's shaking up the industry. Expect spirited banter on how tariffs might play out as a cheeky negotiation tool and why the loan marketplace is hotter than a summer barbecue. Tune in for a quick, fun ride through the economic crystal ball!IN THIS EPISODE:(00:00) Introduction(01:14) Discussion on NCUA board chaos, highlighting legal ambiguity in removing board members, predicting Supreme Court resolution(04:25) Prediction on interest rates, expecting a half-point Federal Reserve cut by year-end (06:41) Tariffs discussed as a negotiation tool and the budget deal in Congress (11:15) Discussion of the loan marketplace outlook for credit unions and home values(13:00) Focus on SBA loans and home-based businesses, predicting a boom in startups due to economic conditionsKEY TAKEAWAYS: Legal uncertainty surrounds the removal of NCUA board members, which is likely to be upheld after Supreme Court appeals.Anticipated a half-point Federal Reserve interest rate cut by year-end, with stable inflation and low unemployment.Tariffs are being used as a negotiation tool, with minimal impact on trade, and modest 10% tariffs are expected, particularly on manufacturing from China.RESOURCE LINKSMark Ritter - WebsiteMark Ritter - LinkedInJeff Lyons - LinkedInKEYWORDS: Credit Union, MBFS, NCUA Board, Interest Rates, Federal Reserve, Inflation, Unemployment, Tariffs, Negotiation Tool, Trade, Loan Marketplace, SBA Loans, Home-based Businesses, Budget Deal, Economic Conditions, Supreme Court, Business Startups, Consumer, Tax Cuts, Credit Union Predictions, Financial Landscape 2025

Eric Zorn, Publisher of The Picayune Sentinel, joins John Williams to talk about the controversy surrounding Alex Cooper’s rendition of ‘Take Me Out to the Ballgame’ at the Cubs game the other night, former Alderman Ed Burke being released from prison early, Jesse Jackson Jr. mulling another run for Congress, and if he believes Illinois should […]

In the latest episode of the Health Matters podcast, Wendy Lund sits down with Peter Pitts, former FDA associate commissioner and current president of the Center for Medicine in the Public Interest, to discuss the state of regulatory science and communication in health care. Pitts shares a cautiously optimistic outlook for the FDA under Commissioner Makary, noting the agency's renewed focus on innovation, patient engagement and modernization. He also stresses the importance of alignment among marketing, legal and regulatory teams—what he calls “regulatory therapy”—to ensure health communications serve the public good. The conversation spans high-stakes topics such as direct-to-consumer advertising, misinformation, and missed PDUFA dates, with Pitts urging both regulators and industry leaders to improve transparency and collaboration. He calls on pharmaceutical companies to put patients first in communications and avoid blaming the FDA when approvals stall. Pitts also encourages the agency to learn from industry on how to better engage the public. For more insights—and a candid look at where the health care conversation needs to go—tune in to the full episode.See omnystudio.com/listener for privacy information.

Eric Zorn, Publisher of The Picayune Sentinel, joins John Williams to talk about the controversy surrounding Alex Cooper’s rendition of ‘Take Me Out to the Ballgame’ at the Cubs game the other night, former Alderman Ed Burke being released from prison early, Jesse Jackson Jr. mulling another run for Congress, and if he believes Illinois should […]

If your brand can't hold a consumer's focus for eight seconds, what makes you think you deserve nine? We are here at Forrester CX in Nashville, TN and hearing all about the latest insights and ideas for brands to create better experiences for their customers. Agility isn't speed for speed's sake; it's the discipline of staying useful while everything—and everyone—spins. In an era when consumers swipe away in milliseconds, an agile brand has to win attention before the next notification does. Today we're unpacking how to win and retain the distracted consumer with Kelsey Chickering, Principal Analyst at Forrester. About Kelsey Chickering Kelsey is a principal analyst at Forrester, focused on media as it relates to marketing strategy. She brings strategic thinking grounded in a deep understanding of the media and advertising ecosystem to clients. Her research uncovers best practices, emerging trends, and critical shifts in consumer behavior that impact how brands should behave in an ever-evolving media landscape. Her consumer-first thinking is underpinned by a communications planning backbone, emphasizing the interplay between media touchpoints across the consumer journey that work together to drive growth for B2C marketing executives. Resources Forrester: https://www.forrester.com https://www.forrester.com Catch the future of e-commerce at eTail Boston, August 11-14, 2025. Register now: https://bit.ly/etailboston and use code PARTNER20 for 20% off for retailers and brands Don't Miss MAICON 2025, October 14-16 in Cleveland - the event bringing together the brights minds and leading voices in AI. Use Code AGILE150 for $150 off registration. Go here to register: https://bit.ly/agile150" Connect with Greg on LinkedIn: https://www.linkedin.com/in/gregkihlstromDon't miss a thing: get the latest episodes, sign up for our newsletter and more: https://www.theagilebrand.show Check out The Agile Brand Guide website with articles, insights, and Martechipedia, the wiki for marketing technology: https://www.agilebrandguide.com The Agile Brand is produced by Missing Link—a Latina-owned strategy-driven, creatively fueled production co-op. From ideation to creation, they craft human connections through intelligent, engaging and informative content. https://www.missinglink.company

Shoot us a Text.Episode #1088: We're kicking off the week with Elon Musk mixing politics and business, a brutal forecast for China's crowded EV market, and one unforgettable funeral send-off in Detroit.Show Notes with links:Elon Musk's creation of the “America” political party is fueling investor anxiety as Tesla faces a pivotal year marked by declining sales, shifting strategy, and mounting public scrutiny.Musk aims to influence key House and Senate races in 2026 via his new party, but analysts fear it could distract from Tesla's core business and turnaround plans.Tesla's global sales fell 13% in Q2; shares are down 20% year-to-date amid shifting investor sentiment.Consumer surveys show Tesla's brand perception continuing to erode in the U.S., ranking last among 19 EV makers in a May survey.Azoria Partners delayed its Tesla ETF launch, citing conflict with Musk's CEO responsibilities.“I encourage the Board to…evaluate whether [Musk's ambitions] are compatible with his full-time obligations,” said Azoria CEO James Fishback.A new report by AlixPartners projects that only 15 out of 129 EV and plug-in hybrid brands in China will survive through 2030, as fierce competition and overcapacity push the market toward consolidation.The surviving 15 brands are expected to control 75% of the market, each selling over 1 million units annually.Most Chinese EV makers remain unprofitable with the current market driving innovation and unsustainable pricing models; only BYD and Li Auto have achieved full-year profitability.Despite low profitability, regional governments may continue to support struggling brands to protect local economies.“This environment has driven remarkable advances...but it has also left many companies struggling,” said Stephen Dyer of AlixPartners.Meanwhile, Sony Honda Mobility's operating loss more than doubled to ¥52B ($362M) as it pushes to launch the Afeela EV this year.Darrell Thomas, a beloved Detroit car wash owner and NHRA-licensed drag racer, was known for his generosity. At his funeral, his family honored that legacy in dramatic fashion—showering the community with rose petals and $5,000 in cash from a helicopter during a public celebration of his life.The tribute shut down a stretch of Gratiot Avenue in front of Showroom Shine Express.The family says they informed police, though DPD claims they weren't told about the money drop.The FAA has launched an investigation into the aerial drop, but no action is expected from local authorities, according to Detroit Police.“This was a final expression of love from him to the community because he was a giver,” said niece Crystal Perry.Join Paul J Daly and Kyle Mountsier every morning for the Automotive State of the Union podcast as they connect the dots across car dealerships, retail trends, emerging tech like AI, and cultural shifts—bringing clarity, speed, and people-first insight to automotive leaders navigating a rapidly changing industry.Get the Daily Push Back email at https://www.asotu.com/ JOIN the conversation on LinkedIn at: https://www.linkedin.com/company/asotu/

Ted Cruz is REBUFFED, and states might still be allowed to regulate AI. A study from Sweden details challenges of using screens in education. CloudFlare targets AI scraping sites for free. Samsung is having a rough time selling chips and making chips for other customers. Windows 11 has FINALLY surpassed Windows 10! Android 16 might warn people if their cell network is "insecure". And I have a LOT of thoughts about the Vivo X200 Ultra! Let's get our tech week started right! -- Show Notes and Links: https://somegadgetguy.com/b/4Mh Video Replay: https://youtube.com/live/MTWOQrPgEPo Support Talking Tech with SomeGadgetGuy by contributing to their tip jar: https://tips.pinecast.com/jar/talking-tech-with-somegadgetgu Find out more at https://talking-tech-with-somegadgetgu.pinecast.co This podcast is powered by Pinecast. Try Pinecast for free, forever, no credit card required. If you decide to upgrade, use coupon code r-c117ce for 40% off for 4 months, and support Talking Tech with SomeGadgetGuy.

In this episode, we went live from Permissionless with Pat Kim, Sal Qadir, and Vishal Gupta to discuss the evolving landscape of consumer crypto apps. We dove into hybrid CeFi-DeFi platforms, real-time data markets, asset discoverability, wallet UX, on-chain trading trends, ecosystem selection, and more. Enjoy! As always, remember this podcast is for informational purposes only, and any views expressed by anyone on the show are solely their opinions, not financial advice. -- Katana is a DeFi-first chain built for deep liquidity and high yield. No empty emissions, just real yield and sequencer fees routed back to DeFi users.  Pre-deposit now: Earn high APRs with Turtle Club https://app.turtle.club/campaigns/katana or spin the wheel with Katana Krates https://app.katana.network/krates -- Ledger, the global leader in digital asset security, proudly sponsors 0xResearch! As Ledger celebrates 10 years of securing 20% of global crypto, it remains the top choice for securing your assets. Buy a LEDGER™ device now and build confidently, knowing your precious tokens are safe. Buy now on https://shop.ledger.com/?r=1da180a5de00. -- Marinade is the premier staking delegation platform on Solana, bringing billions in liquidity and security to the Solana network, and connecting SOL holders to the best staking rates.  Since launching in 2021, Marinade has expanded their suite of products to provide solutions for both DeFi users and TradFi, including liquid and native staking, as well as direct enterprise integrations.  To learn more about Marinade, follow the link below: https://marinade.finance/?utm_source=blockworks&utm_medium=partnerships&utm_campaign=podcast -- Follow Pat: https://x.com/patkkim Follow Sal: https://x.com/salxyz Follow Vishal: https://x.com/vishalkgupta Follow Danny: https://x.com/defi_kay_ Follow Blockworks Research: https://x.com/blockworksres Subscribe on YouTube: https://bit.ly/3foDS38 Subscribe on Apple: https://apple.co/3SNhUEt Subscribe on Spotify: https://spoti.fi/3NlP1hA Get top market insights and the latest in crypto news. Subscribe to Blockworks Daily Newsletter: https://blockworks.co/newsletter/ Join the 0xResearch Telegram group: https://t.me/+z0H6y2bS-dllODVh -- Timestamps: (0:00) Introduction (4:48) Consumer Trends (10:05) Ads (Katana & Ledger) (10:42) Differentiating Product UX (16:38) Choosing Where to Build (21:13) Ads (Katana & Ledger) (22:18) Attracting New Users (31:15) Marinade Ad (31:47) Defining Success (35:31) Product Roadmaps (37:22) The Most Exciting Trends -- Check out Blockworks Research today! Research, data, governance, tokenomics, and models – now, all in one place Blockworks Research: https://www.blockworksresearch.com/ Free Daily Newsletter: https://blockworks.co/newsletter -- Disclaimer: Nothing said on 0xResearch is a recommendation to buy or sell securities or tokens. This podcast is for informational purposes only, and any views expressed by anyone on the show are solely our opinions, not financial advice. Boccaccio, Danny, and our guests may hold positions in the companies, funds, or projects discussed.

In this REMIX Episode of The Bourbon Life Podcast, Mark and his special co-host, Stacey, spend some time hanging out on location at The Kitchen Table at The James B. Beam Distilling Co. with Jason Betts, Consumer Relations Manager, for The James B. Beam Distilling Co. This Episode originally aired on June 14, 2024 as Episode 227. Mark & Stacey talk with Jason about his extensive background and how that experience led him to Beam 9 years ago as well as what his job as Consumer Relations Manager entails, the creation of their incredible on-site restaurant, The Kitchen Table at The James B. Beam Distilling Co., and the awesome events that they host there, and all of the different tours and experiences that guests can have at The James B. Beam Distilling Co. They also taste and review the just released Golden Origins Corn Whiskey, which is part of the Hardin's Creek Series, the soon-to-be-released Knob Creek Bourbon x Rye, and the recently released Little Book Ch. 8: Path Not Taken. This Episode of The Bourbon Life Podcast is sponsored by Three Chord Bourbon and The Kitchen Table at James B. Beam Distilling Co. Check out all of our amazing sponsors online at:  www.threechordbourbon.com www.visitthekitchentable.com

#622: #622: The headlines said America added 147,000 jobs in June. The reality? Private companies actually cut 33,000 positions. Grad students just lost access to unlimited borrowing. Parent PLUS loans now cap at $65,000. And tariffs are about to jump as high as 70 percent. Everything is changing at once — taxes, tariffs, student loans, and immigration policy. And data from the University of Michigan says that consumers feel more pessimistic than they did six months ago. Welcome to the 4th of July First Friday episode. On America's 249th birthday, we unpack these economic stories. Timestamps: Note: Timestamps will vary on individual listening devices based on dynamic advertising run times. The provided timestamps are approximate and may be several minutes off due to changing ad lengths. (0:00) Introduction (1:19) Historical trivia about the Declaration of Independence (2:28) Three presidents died on July 4th — statistical improbability explained (4:24) Trump signs domestic policy bill extending 2017 tax cuts (6:13) Student loan changes — borrowing caps and repayment plan eliminations (8:53) Tariff pause expires July 9th, new rates announced (12:00) Original tariff rates and Lesotho example breakdown (16:26) June jobs report headlines versus private sector reality (22:54) ADP reports private job losses while government hiring grows (26:46) Consumer confidence drops 18 percent since December (30:59) Inflation expectations versus actual 2.4 percent rate (34:19) Fed takes wait-and-see approach amid policy uncertainty (36:58) Labor market stagnation mirrors Federal Reserve strategy For more information, visit the show notes at https://affordanything.com/episode622 Learn more about your ad choices. Visit podcastchoices.com/adchoices

Consumer spending sputtered in May, likely thanks to tariffs and related uncertainty. Not only does that give us a clue as to where GDP is headed, it could also help us predict the labor market's next move. Later in this episode: Slowed hiring could have a silver lining (depending on your perspective), the U.S. dollar is down 10% so far this year, and we visit a pop-up brewery focused on racial equity.Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.