Podcasts about Consumer

Is the fitness industry still telling consumers what they want — or are consumers increasingly telling the industry what it needs to deliver? In this episode of LIFTS, Matthew Januszek and Mohammed Iqbal unpack some of the biggest stories shaping health, fitness and wellness. They discuss the questions being raised around wearable accuracy, how WeightWatchers has responded to the rise of GLP-1s, and why consumers using GLP-1s could represent an important opportunity for the fitness industry. They also look at the changing gym floor as value operators move towards more premium experiences and consumers become increasingly knowledgeable about specific equipment brands, training modalities and recovery. With new equipment companies building audiences through social media and digital-first strategies, Matthew and Mo ask whether some of the industry's established brands risk losing relevance with a new generation of consumers. Plus, they discuss new strength research suggesting consistency beats complexity, and why creating sustainable exercise habits could be more important than increasingly complicated programming. Are the biggest fitness brands still shaping the consumer — or is the consumer now shaping them? Chapters 00:00 Are Consumers Taking Control of Fitness? 00:44 The Biggest Stories Shaping the Fitness Industry 01:08 Can You Trust Your Wearable? 06:50 WeightWatchers, GLP-1s & the Fitness Opportunity 12:25 Why Value Gyms Are Going Premium 15:47 Is the Consumer Now Driving the Gym Floor? 19:23 Sponsor – Fitness On Demand 19:50 Are Single-Brand Gym Floors Becoming Outdated? 27:54 What's Happening With FitLab? 30:39 Why Consistency Beats Complexity in Strength Training 36:15 What Does the Future of Fitness Look Like? Sponsored by Fitness On Demand and EGYM Fitness On Demand: https://www.fitnessondemand247.com/ EGYM: https://egym.com/

God did not design you to be a spiritual CONSUMER. He designed you to be a spiritual CONTRIBUTOR.1 Peter 4:10 God has given each of you a gift from his great variety of spiritual gifts. Use them well to serve one another.BOX SEATSBENCHTOWELThe BOX SEATS The mentality that the church exists to SERVE MEMark 10:35-37 Then James and John, the sons of Zebedee, came over and spoke to him. “Teacher,” they said, “we want you to do us a favor.” “What is your request?” he asked. They replied, “When you sit on your glorious throne, we want to sit in places of honor next to you, one on your right and the other on your left.”Mark 10:42-45 Jesus called them together and said, “You know that those who are regarded as rulers of the Gentiles lord it over them, and their high officials exercise authority over them. Not so with you. Instead, whoever wants to become great among you must be your servant, and whoever wants to be first must be slave of all. For even the Son of Man did not come to be served, but to serve, and to give his life as a ransom for many.”The BENCH The mentality that says, “I'm not QUALIFIED or WORTHY enough to serve,” or “I'm just TOO BUSY to serve God”There is NO bench in the body of Christ.God doesn't call the QUALIFIED. He qualifies the CALLED.God works through your AVAILABILITY far more than your ABILITY.The secret of serving: You are always more FILLED UP than you POUR OUT.HOLDING a TOWELThe universal sign of “I am here to SERVE YOU”John 13:12-15 When he had finished washing their feet, he put on his clothes and returned to his place. “Do you understand what I have done for you?” he asked them. “You call me ‘Teacher' and ‘Lord,' and rightly so, for that is what I am. Now that I, your Lord and Teacher, have washed your feet, you also should wash one another's feet. I have set you an example that you should do as I have done for you.”Jesus measures greatness not by SEATS or TITLES, but by who picks up a TOWEL. SAVED people SERVE people.

a16z Partner Josh Elman joins Ollie Forsyth on New Economies to discuss the next wave of consumer AI and what separates a product people try once from one that becomes part of their everyday lives.Josh argues that getting attention has actually become easier, but getting consumers to stick is harder than ever. He explains what he looks for in consumer products, why the best ones start with a narrow wedge and earn the right to do more, and why trust becomes increasingly important as AI agents gain access to more of our personal lives.They also explore personal AI agents, the future of shopping and entertainment, why we haven't seen another major social network emerge, and how AI could make technology more social rather than less, including agents that help people spend more time together in the real world.This conversation originally appeared on the New Economies podcast.Resources:Follow Josh Elman on X: https://x.com/jelmanFollow New Economies: https://www.youtube.com/@NEWECONOMIESPODNew Economies Substack: https://www.neweconomies.co/ Stay Updated:Find a16z on YouTube: YouTubeFind a16z on XFind a16z on LinkedInListen to the a16z Show on SpotifyListen to the a16z Show on Apple PodcastsFollow our host: https://twitter.com/eriktorenberg Please note that the content here is for informational purposes only; should NOT be taken as legal, business, tax, or investment advice or be used to evaluate any investment or security; and is not directed at any investors or potential investors in any a16z fund. a16z and its affiliates may maintain investments in the companies discussed. For more details please see a16z.com/disclosures. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Full show - FrYiday | Bring it back | News or Nope - The Traitors, Lenny Kravitz, and Lizzie Borden | Feel Good Friday | Is T. Hack a bad dad? | Will somebody just answer Erica's phone call, please!? | Song Showdown - Saxy songs | Stupid stories | Consumer reviews - Snickers banana nut bread | Slacker's dad visited him again | Showing off www.instagram.com/theslackershow www.instagram.com/askslacker www.instagram.com/ericasheaaa www.instagram.com/thackiswack www.instagram.com/radioerin

Consumer data is still strong, but companies are telling us a different story. Sales are down, guidance has been rough, and with oil and interest rates rising what's the future for the consumer? Plus, we discuss this week's AI ups and downs and the stocks on our radar. Travis Hoium, Lou Whiteman, and Dan Caplinger discuss: - Are Consumers OK? - Interest Rate Takes - AI This Week - Bargain Stocks - End of an Era - Stocks On Our Radar Companies discussed: Nike (NKE), Lululemon (LULU), Deckers Outdoor (DECK), On Holding (ONON), Lennar (LEN), DR Horton (DHI), Toll Brothers (TOL), Meritage Homes (MTH), Chipotle (CMG), Sweetgreen (SG), Dutch Bros (BROS), Wendy's (WEN), Wingstop (WING), GM (GM), Ford (F), Ferrari (RACE), Tesla (TSLA), Meta (META), Alphabet (GOOG, GOOGL). Host: Travis Hoium Guests: Lou Whiteman, Dan Caplinger Engineer: Dan Boyd Disclosure: Advertisements are sponsored content and provided for informational purposes only. The Motley Fool and its affiliates (collectively, “TMF”) do not endorse, recommend, or verify the accuracy or completeness of the statements made within advertisements. TMF is not involved in the offer, sale, or solicitation of any securities advertised herein and makes no representations regarding the suitability, or risks associated with any investment opportunity presented. Investors should conduct their own due diligence and consult with legal, tax, and financial advisors before making any investment decisions. TMF assumes no responsibility for any losses or damages arising from this advertisement. We're committed to transparency: All personal opinions in advertisements from Fools are their own. The product advertised in this episode was loaned to TMF and was returned after a test period or the product advertised in this episode was purchased by TMF. Advertiser has paid for the sponsorship of this episode. Learn more about your ad choices. Visit ⁠⁠⁠⁠⁠⁠⁠megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Slacker had to go to 4 stores to find these!

In this episode, SVP Director of Consumer, Private and Small Business Banking, Al Araque sits down with SVP Private Client Services, Kathy Ciszewski and VP Private Banking, Mark Rose, who've guided clients through the empty-nest transition and lived it themselves. Together they discuss the yo-yo reality of kids leaving and coming back, the identity shift of rediscovering who you are beyond parenting and why this milestone is the perfect excuse to revisit your financial plan. In this episode:00:00 – 08:04: What Empty Nesting Looks Like in 202608:05 – 14:54: The Emotions of Becoming an Empty Nester14:55 – 18:48: Identity Shifts and Finding Purpose18:49 – 22:03: The Importance of Communication22:04 – 27:40: Investing in Relationships27:41 – 33:45: Updating Your Financial Plan33:46 – 36:42: How We Help Empty Nester Clients36:43 – 40:04: The Mindset Shift You Should Have40:05 – 45:37: How to Guide Adult Children and Closing Additional resources:The Retirement Roadmap: A Guide for Each Decade | Johnson Financial GroupWhat Is The Great Wealth Transfer? | Johnson Financial GroupWealth Transfer Strategies: How to Protect What You've Built | Johnson Financial GroupThe Sandwich Generation: Balancing Caregiving, Parenting and Finances | Johnson Financial GroupStarting Over After 50: The Realities of Gray Divorce | Johnson Financial Group

In the Consumer Finance Monitor podcast we are releasing today, Alan Kaplinsky, founder and former chair for 25 years and now Senior Counsel of the Consumer Financial Services Group, spoke with Professor Mark Bartholomew of the University at Buffalo School of Law, co-author with Professor Samuel Becher of "The End of Shopping," a forthcoming article in the William & Mary Law Review. The article explores how autonomous shopping agents could transform consumer commerce and raises fundamental questions concerning consumer autonomy, privacy, competition and consumer protection. The implications for financial services are especially significant. Consumers could use AI agents to select credit cards, auto loans, mortgages, insurance policies, bank accounts, certificates of deposit and investment products. An agent potentially could compare thousands of offerings in seconds and execute a transaction that a consumer might otherwise never undertake because of the time and complexity involved. For banks, lenders, insurers, credit-card issuers and investment firms, agentic AI could reduce customer-acquisition costs, increase switching and intensify competition. But it also could make technology companies the principal gatekeepers between financial institutions and their customers. The company controlling the agent could determine which products consumers see, how those products are compared and whether a particular provider receives the consumer's business. Agentic AI also presents difficult legal and policy questions. Who is responsible when an AI agent makes a mistake? What happens when an agent has a financial incentive to steer a consumer toward a particular provider? Are existing disclosure, fair-lending, privacy, advertising and investor-protection rules adequate when the "consumer" making the initial decision is effectively an algorithm? Key Topics Discussed: ·                 Why Financial Services May Be an Especially Attractive Use Case ·                 Implications for Banks, Lenders, Insurers and Investment Firms ·                 Who Is Making the Decision? ·                 Conflicts of Interest and Self-Dealing ·                 Consumer Protection Law May Have to Change ·                 Fair Lending, Insurance and Investment Concerns ·                 The Need for Guardrails ·                 Competition and Data Portability ·                 Privacy and Cybersecurity Risks Will Increase ·                 What Should Financial Institutions Do Now? ·                 Do We Need a New AI Regulator? ·                 Don't Lock in the Wrong Rules ·                 What Does the Future Hold? Consumer Finance Monitor is hosted by Alan Kaplinsky, Senior Counsel at Ballard Spahr, and the founder and former chair of the firm's Consumer Financial Services Group. We encourage listeners to subscribe to the podcast on their preferred platform for weekly insights into developments in the consumer finance industry.

Vroon Modgill spent two decades in payments as an accountant, finance director and CFO before founding Sokin in 2019. The company launched as a subscription-based consumer remittance app and is now a B2B payments and treasury platform running across 170 countries and 70 currencies, growing 100% a year while staying profitable. We talk about the pivot out of consumer, where stablecoins actually earn their place, and why he thinks the moat in agentic finance sits in the regulated plumbing rather than in the agent.What We CoveredTwenty years in payments before founding SokinWatching his father fill out the same compliance forms on every remittanceWhy a consumer subscription app was the wrong business to be inThe 2021 decision to go all in on B2BSitting underneath the payments, treasury and FX providersOne integration across 170 countries and 70 currenciesEnterprise direct versus the embedded partner channelEmbedded going from zero to 40% of projected US revenue in a yearWhy most of the world is not card firstOwning the stablecoin stack instead of renting itThe MCP connector and agent-prepared, human-approved paymentsNine dollars of revenue for every dollar of net cash burnedThe Series B, the Oxford Finance debt facility and the licensing build-outWhat the Manchester United partnership actually deliversKey TakeawaysThe defensible layer in agentic finance is not the model. An agent that decides to fund payroll still needs an account, a license and a rail, which is why the licensing build-out matters more than the AI demo.Stablecoins work best treated as a rail rather than a religion. Sokin bought the engineering DNA, runs fiat and stable through the same licensed infrastructure, and lets the route decide.Consumer remittance is a price and marketing game. Being right about the problem does not make it the right business, and the enterprise version of the same friction is where the money is.Profitable growth is a capital strategy, not just discipline. It let Sokin raise equity into strength and add debt at a lower cost than dilution.About Vroon ModgillVroon Modgill is the founder and CEO of Sokin, a global business payments and treasury platform he launched in 2019. He trained as an accountant and spent roughly 20 years in payments and finance leadership roles, including finance director positions at startups and, from 2017 to 2019, North America CEO and global CFO of a crypto payments company. Sokin closed a Series B led by Prysm Capital with Morgan Stanley returning, followed by a debt facility from Oxford Finance, and is the official payments partner of Manchester United.Connect with Fintech One-on-One:Tweet me @PeterRentonConnect with me on LinkedInFind previous Fintech One-on-One episodes

Danielle DiMartino Booth discusses the market reaction to the Fed raising interest rates for the first time since July 2023. She gauges questions around whether the average U.S. consumer will stomach the rate hike, or the start of a hiking cycle, as inflation pinches American wallets. Daneille adds to her analysis by discussing the growing importance of economic data like core PCE, CPI, and PPI for a Fed not as willing to divulge guidance on interest rates. She also offers a word of caution to investors in the AI trade. ======== 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-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Press Release: https://idfpr.illinois.gov/news/2026/idfpr---idfpr-takes-action-against-unlicensed-student-loan-debt-.html Please note: under the Debt Settlement Consumer Protection Act, entities providing debt settlement services in Illinois generally must be licensed by IDFPR, subject to certain statutory exemptions, including for attorneys, banks, and institutions of higher education, among others. Show Notes: Resources for checking licenses and reporting scams • IDFPR license lookup: https://idfpr.illinois.gov/checklicense.html • Illinois Attorney General Student Loan Helpline: https://www.illinoisattorneygeneral.gov/consumer-protection/student-loan-debt-assistance/ • Illinois Secretary of State's Business Entity Search: https://apps.ilsos.gov/businessentitysearch/ • Federal Trade Commission's Fraud Report Portal: https://reportfraud.ftc.gov/ References • Illinois Department of Financial and Professional Regulation. (n.d.-a). Student loan servicers. https://idfpr.illinois.gov/banks/student-loan-servicers.html • Illinois Department of Financial and Professional Regulation. (n.d.-b). Consumer credit. https://idfpr.illinois.gov/dfi/ccd/ccd-main.html • Illinois Administrative Code, tit. 38, § 145.5 (2023). Purpose and definitions, Debt Settlement Consumer Protection Act rules. https://www.law.cornell.edu/regulations/illinois/IL-Admin-Code-38-145-5 • Illinois Attorney General's Office. (2026). Student lending. https://www.illinoisattorneygeneral.gov/consumer-protection/student-loan-debt-assistance/ • Know Before You Owe Private Education Loan Act, 110 Ill. Comp. Stat. 983, as amended by Public Act 104-0504 (2025). https://ilga.gov/Legislation/PublicActs/View/104-0504 • Consumer Finance Monitor. (2022, July 27). Illinois provides guides and templates for Know Before You Owe Private Education Loan Act reporting requirements. Ballard Spahr LLP. https://www.consumerfinancemonitor.com/2022/07/27/illinois-provides-guides-and-templates-for-know-before-you-owe-private-education-loan-act-reporting-requirements/ • Manatt, Phelps & Phillips, LLP. (2021, August 26). Student lending: Illinois enacts 'Know Before You Owe' law. https://www.manatt.com/insights/newsletters/financial-services-law/student-lending-illinois-enacts-know-before-you-o • Federal Trade Commission. (2023, June 14). FTC sends more than $3.3 million to consumers harmed by student loan debt relief scam [Press release]. https://www.ftc.gov/news-events/news/press-releases/2023/06/ftc-sends-more-33-million-consumers-harmed-student-loan-debt-relief-scam • Federal Student Aid. (n.d.). How to avoid student loan forgiveness scams. U.S. Department of Education. https://studentaid.gov/articles/avoid-student-loan-forgiveness-scams/ • Young, J. R. (2026, April 30). Fake student loan debt offers proliferate as federal government rolls back enforcement. The Hechinger Report. https://hechingerreport.org/fake-student-loan-debt-offers-proliferate-as-federal-government-rolls-back-enforcement/

Rebecca Davis joins John Maytham each week to reflect on just how strange the news can be. From the most important to the very strange, John and Rebecca offer their view of what is happening in our world that makes it at times infuriating, at times inspirational but always fascinating. Presenter John Maytham is an actor and author-turned-talk radio veteran and seasoned journalist. His show serves a round-up of local and international news coupled with the latest in business, sport, traffic and weather. The host’s eclectic interests mean the program often surprises the audience with intriguing book reviews and inspiring interviews profiling artists. A daily highlight is Rapid Fire, just after 5:30pm. CapeTalk fans call in, to stump the presenter with their general knowledge questions. Another firm favourite is the humorous Thursday crossing with award-winning journalist Rebecca Davis, called “Plan B”. Thank you for listening to a podcast from Afternoon Drive with John Maytham Listen live on Primedia+ weekdays from 15:00 and 18:00 (SA Time) to Afternoon Drive with John Maytham broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/BSFy4Cn or find all the catch-up podcasts here https://buff.ly/n8nWt4x 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.

Welcome to this extra episode of the Leaders in Finance Podcast, recorded live after the third Leaders in Finance Compliance Event at the H'ART Museum in Amsterdam, where over 100 participants from more than 50 organisations came together to discuss the future of compliance in financial services, with a particular focus on AI, technology and crypto. Host Kees de Wit reflects on the day's key themes together with Leanne Joseph (moderator of the event), Tom van de Laar (Head of Financial Crime Compliance & Deputy Chief Compliance Officer, Rabobank), and Pieter van Doorn (Partner, Deloitte). Together, they discuss how rapidly developing technologies are changing the compliance profession, whether AI could eventually replace parts of the compliance function, and why human judgement will remain essential. They also reflect on the rise of crypto and neobanks, the impact of regulation such as MiCAR, and the continuing tension between innovation and effective oversight. And looking ahead: how can financial institutions, regulators and other public and private parties work together more effectively, build trust and respond with greater urgency to a rapidly changing financial landscape? A big thank you to all speakers, participants and our event partners for making this another inspiring edition of the Leaders in Finance Compliance Event. Leaders in Finance is made possible by the support of EY, Mogelijk Vastgoedfinancieringen, Duna and Lepaya. More information about our partners is available on our partner page. Want to stay up to date with Leaders in Finance? Subscribe to the newsletter. Questions, suggestions or feedback? We'd love to hear from you! You can reach us via email at info@leadersinfinance.nl and visit our website. Previous guests on the Leaders in Finance Podcast include Klaas Knot (former President of DNB), Frank Elderson (Member of the Executive Board of the ECB), Gerrit Zalm (former Minister of Finance and former CEO of ABN AMRO), Ingrid de Swart (Member of the Executive Board of a.s.r.), Pinar Abay (Member of the Management Board of ING and Head of Retail Banking), Robert Swaak (former CEO of ABN AMRO), Saul van Beurden (CEO of Consumer, Small & Business Banking at Wells Fargo), David Knibbe (CEO of NN Group), Janine Vos (Member of the Managing Board of Rabobank), Nadine Klokke (CEO of Knab), Maarten Edixhoven (CEO of Van Lanschot Kempen), Jeroen Rijpkema (CEO of Triodos Bank), Nout Wellink (former President of DNB), Onno Ruding (former Minister of Finance), Laura van Geest (Member of the Executive Board of the AFM), Ali Niknam (CEO of bunq), Joanne Kellermann (Chair of PFZW), Steven Maijoor (former Chair of ESMA), Jos Baeten (former CEO of a.s.r.), Karin van Baardwijk (CEO of Robeco), and Annette Mosman (CEO of APG).

Minutes after the Fed released its unanimous decision to hike interest rates by 25 bps in September, John Lonski points to "unfazed" consumers amid higher energy prices as the fulcrum tilting the FOMC toward its decision. He explains how the Fed can balance a still-strong consumer even as prices on goods across the U.S. climb. John touches on wording from the Fed on a "timelier" return to 2% inflation as a sign its focus remains on one side of the dual mandate.======== 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-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/schwab-Network/dp/B08JJRQG9T/Watch on Sling - https://watch.sling.com/1/channel/bb1b75050268416e82a557ff6387bff3/browseWatch on Vizio - https://www.vizio.com/en/watchfreeplus/catalog/live-tv-channels/3123029569/schwab-networkFollow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

*It's hot and dry, and the grass isn't growing.  *The Texas cotton harvest is running ahead of schedule.  *Consumer demand for beef remains high.     *The cost of corn presents a challenge for Texas High Plains cattle feeders.*The Global Sorghum Conference continues in Lubbock.  *USDA is working to increase the number of sterile screwworm flies.*Hot, dry weather is expanding across South Texas. *Cortical steroids are commonly used in horse joints.

In this episode, I had the chance to chat with the Aaron Klein, the Miriam K. Carliner Chair and senior fellow in Economic Studies at the Brookings Institution.Aaron and I had a wide-ranging discussion on consumer payment and consumer credit regulation and public policy, including:* Why, despite the existence of The Clearing House RTP and FedNow, U.S. consumers don't have widespread free or low-cost access to instant payments* The link between remote deposit capture, plane loads of checks, and 9/11* Consumer credit and small-dollar lending, including overdrafts, payday loans, and fintech apps such as EarnIn, Dave, and MoneyLion* Why someone with a bank account would use a check casher* And much more!A reminder, if you're enjoying this show, please follow, rate & review on your preferred podcast platform, as it really helps others to find the show.And if you want to help support Fintech Business Weekly and independent journalism, upgrade to a paid subscription or reach more than 93,000+ listeners by sponsoring an episode. Get full access to Fintech Business Weekly at fintechbusinessweekly.substack.com/subscribe

Sept. 15, 2026- We examine legislation designed to strengthen the effectiveness of consumer debt protections with Evan Denerstein, a senior staff attorney at Mobilization for Justice.

Elisa Wood, founder and editor of the newsletter Energy Changemakers, has covered the evolution of consumer-empowering technologies such as microgrids, demand response, rooftop solar and battery storage and vehicle-to-grid for more than a dozen years. There is perhaps no one more qualified to discuss these emerging consumer-empowering electricity options and the forces working against their adoption.In a wide-ranging discussion, Wood notes the headwinds facing these technologies but is overall optimistic about the future. The traditional regulatory framework for monopoly utilities, a vestige of the 19th century, rewards utilities for building big projects that provide shareholders big returns under the rate-regulated model, leaving these corporations with little financial incentive to invest in these smaller-scale technologies. Nevertheless, while there's little near-term prospect of changing the regulatory paradigm, Wood is optimistic that technology will ultimately drive change."I think that the champion is technology," Wood says. "You have commercial/industrial customers putting in microgrids, even though it's not a real hot year for them. It's going to come back, and you've got virtual power plants, you know, coming to the fore. Community solar coming to the fore. All these things are competing with utilities. So the competition came. I think it just came through new technology, and I think that's only going to grow. Those technologies aren't going away."Another driver is rising electricity costs, which have become an election-year issue. "I think we're on the verge of something big," she says. "It's a tough time because the Trump administration, you know, has gotten rid of incentives and whatnot and kind of created a lot of tumult for the industry . . . but I feel like the consumer impetus is there and the technology is there waiting for it. So I'm actually pretty bullish right now."Wood sees all of these multiplying technologies "eating away" at the hold giant utilities have on the system, noting increasing consumer interest and municipalities investing in these technologies, which is creating a bottom-up approach to changing the utility system, more so than regulatory reforms. Regulatory reform is "really hard because (utilities) have the lobbyists," she says. "They have all the money to go in there to the regulatory agencies and influence them. And who can possibly compete with that? Who's out there that can compete with that? There's really no other entity, right? So regulation has to be changed from another direction. And I really believe it's going to be from more the consumer choosing something else and forcing the utility to change, or basically taking away their customer base, you know, so that they have to change. I think it's going to come from that direction."Support the show

Gerhard Wiesler is a bowyer living on a 200-year-old farm near Weiz, Austria, where he has nut orchards of walnuts, chestnuts, and pecans. He is a prolific teacher, guiding hundreds of students yearly in the building of selfbows. Please enjoy this episode of Project Quiver on Salish Wolf with Gerhard Wiesler.          Episode Links: https://www.meinbogen.at/https://www.facebook.com/BogenbauGerhardWieslerProject Quiver at Anchor Point ExpeditionsSummary:Gerhard Wiesler shares his journey into traditional bow making, the art of crafting self bows, and the cultural significance of archery and martial arts. Discover insights into the craftsmanship, experimentation, and traditions behind this timeless craft. Gerhard and Todd discuss the art of bow making, focusing on different woods, workshop processes, and the impact of forest management on bow making materials.Show Notes:Gerhard Wiesler's background and journey into bow makingThe process of crafting self bows from a single piece of woodExperimentation with different bow designs and woodsThe tradition and cultural significance of archery in Japan and EuropeThe role of workshops and teaching in Gerhard's craftChallenges of selling handmade bows within European consumer rightsThe influence of martial arts on archery practice and philosophyInnovative techniques like bamboo wedges and fire arrows U wood differences between Europe and Pacific NorthwestImpact of forest management on bow wood qualityWorkshop process for building bows from selection to finishingDesign considerations including bow length, draw weight, and aestheticsMaterial choices for handles, arrow shelves, and stringsChapters:03:06 - The spontaneous round-the-world trip that changed everything08:01 - Why the family chose to keep homeschooling during travel11:19 - Mika Wolf and the Austrian bowmaking scene13:47 - What counts as a professional bowyer16:10 - Japanese dojo culture and slow apprenticeship19:17 - Martial arts, archery, and embodied practice21:04 - Rambo 2 and Gerhard's explosive start in archery22:28 - Making flaming arrows and archery fireworks24:14 - From compound bows to self bows25:13 - A failed first bow and the start of serious bowmaking27:00 - Burning finished bows as a ritual29:30 - Why Gerhard only builds self bows31:45 - Consumer warranty issues for handcrafted bows in Europe33:39 - Why workshops are better than custom commissions35:26 - Experimenting with different bow woods and designs36:22 - Performance, comfort, and the Yumi bow41:19 - Bamboo backing and the Japanese rope-and-wedge method42:20 - One-day and two-day workshop formats45:08 - First bows made from Pacific yew46:50 - Humidity problems in Costa Rica and switching materials48:14 - Success with knotty yew staves49:00 - European yew versus Pacific yew52:22 - Yew as a demanding wood and workshop success rates53:42 - Shipping staves and sourcing osage from the US55:23 - Ash, black locust, and hickory for workshops57:37 - Stave logistics and why he buys dried bow wood61:13 - The Redwoods and the feeling of standing among giants62:24 - How many workshops Gerhard teaches each year63:08 - Where his students come from66:47 - Walking through a full workshop from start to finish68:02 - Manau as the wood used for horse bows69:22 - Choosing bow wood by type and personality70:58 - Horse bow dimensions and strong draw weights74:27 - Choosing draw weight for beginners77:19 - Women, men, and learning style differences in archery79:52 - Bow length, performance, and tradeoffs80:22 - Rough shaping with hand tools84:31 - Handle shaping, 50 test shots, and checking limb balance85:57 - Finish options: sanding, oiling, painting, and wraps86:45 - Shelves, horse bows, and tradition88:42 - Arrow passes and decorative inlays89:30 - Strings, arrows, and cedar shaft preferences91:45 - Gerhard's informal success guarantee and free repeat workshops

The dominant story of the past week has been the wave of leaders in the AI space warning about the pace of frontier models and their fear of them getting “out of control”. While that may be true, there may be other reasons why they're all sounding the alarm at this precise moment. Travis, Rachel and Tyler take a look at some of the less said reasons why this appers to have hit a fever pitch and whether that changes how investors should view the upcoming Anthropic and OpenAI IPOs. Plus, an investing trend palette cleanser and how to view dividends. Have a question? Email us; podcasts@fool.com Tyler Crowe, Rachel Warren, and Travis Hoium discuss: - OpenAI, Anothropic, and more sound the AI alarm - A safety problem or a business fundamentals problem - Consumer discretionary stocks: Value or value trap? - AI accelerating drug discovery - Mailbag: How important are dividends? Companies discussed: GOOGL, AMZN, NVDA, AVGO, AMZN, MEDP, IQV, KRYS, MRNA, KNSA, DIS Host: Tyler Crowe Guests: Travis Hoium, Rachel Warren Engineer: Dan Boyd Disclosure: Advertisements are sponsored content and provided for informational purposes only. The Motley Fool and its affiliates (collectively, “TMF”) do not endorse, recommend, or verify the accuracy or completeness of the statements made within advertisements. TMF is not involved in the offer, sale, or solicitation of any securities advertised herein and makes no representations regarding the suitability, or risks associated with any investment opportunity presented. Investors should conduct their own due diligence and consult with legal, tax, and financial advisors before making any investment decisions. TMF assumes no responsibility for any losses or damages arising from this advertisement. We're committed to transparency: All personal opinions in advertisements from Fools are their own. The product advertised in this episode was loaned to TMF and was returned after a test period or the product advertised in this episode was purchased by TMF. Advertiser has paid for the sponsorship of this episode. Learn more about your ad choices. Visit ⁠⁠⁠megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Americans overwhelmingly don't just disagree with this idea of a resilient economy, they vehemently disagree. And Kroger may have just delivered one of the clearest warning signs yet. The American people have spoken: with their grocery carts, just as a start. Eurodollar University's conversation w/Steve Van Metre----------------------------------------------------------------------------------What if your gold could actually pay you every month… in MORE gold?That's exactly what Monetary Metals does. You still own your gold, fully insured in your name, but instead of sitting idle, it earns real yield paid in physical gold. No selling. No trading. Just more gold every month.Check it out here: https://monetary-metals.com/snider----------------------------------------------------------------------------------Want to understand what this data (and so much more) means for your portfolio? Learn how the Eurodollar system really works in the next 30 days so you can better prepare for the risks and opportunities ahead. Book a call using this link. https://eurodollar-university.com/edu-apply-page-page----------------------------------------------------------------------------------https://www.eurodollar.universityTwitter: https://twitter.com/JeffSnider_EDUI'll also be active on Bravais Social - a new AI-centered social network designed for professionals and knowledge workers. The platform aims to bring together a wider range of tools and functionalities tailored specifically for professional interaction, research, and knowledge exchange in one place. You can find me here: https://bravais.social/profile/edu

Lululemon was once one of the strongest brands in retail. Now comparable sales are falling, guidance has been cut repeatedly, and investors are asking whether the company can regain its footing—or whether its best days are behind it. In this episode of The Canadian Investor Podcast, Simon and Dan dig into why fashion companies can be some of the most difficult businesses to own for the long term. Consumer tastes can change quickly, switching costs are virtually nonexistent, aggressive expansion can backfire, and excessive discounting can train customers to stop paying full price. They look back at Express, Quiksilver and Aeropostale, three once-popular brands whose public shareholders were eventually wiped out, and contrast them with some remarkable comeback stories. Abercrombie & Fitch reinvented its brand, Victoria’s Secret changed course, and Crocs nearly went under before doubling down on the product that made it famous. Finally, Simon and Dan discuss what these examples could teach investors about Lululemon, whether its turnaround could take years, and why waiting for evidence of a recovery may make more sense than trying to perfectly time the bottom. Stocks discussed: LULU, ATZ.TO, GOOS, GRGD.TO, GAP, NKE, ANF, VSXY, CROX, ADS.DE. Subscribe to our Our New Youtube Channel! Check out our portfolio by going to Jointci.com Our Website Our New Youtube Channel! Canadian Investor Podcast Network Twitter: @cdn_investing Simon’s twitter: @Fiat_Iceberg Braden’s twitter: @BradoCapital Dan’s Twitter: @stocktrades_ca Want to learn more about Real Estate Investing? Check out the Canadian Real Estate Investor Podcast! Apple Podcast - The Canadian Real Estate Investor Spotify - The Canadian Real Estate Investor Web player - The Canadian Real Estate Investor Asset Allocation ETFs | BMO Global Asset Management Sign up for Fiscal.ai for free to get easy access to global stock coverage and powerful AI investing tools. Register for EQ Bank, the seamless digital banking experience with better rates and no nonsense.See omnystudio.com/listener for privacy information.

The FCC forced ABC to pull an interview off broadcast TV. AI CEOs worry that AI might be moving too fast. A lawyer using ChatGPT is in trouble. Vivo shows off new phones! Oppo shows off new phones! Honor shows off new phones! And i suppose we probably should chat about those new Apple phones... I guess... Let's get our tech week started off RIGHT! -- Show notes and links: https://somegadgetguy.com/b/4gu 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.

Despite consumer challenges, housing demand remains resilient, with record homeowner equity and rapidly growing borrowing activity increasingly being captured by nonbanks, creating a widening competitive and operational gap for traditional banks and credit unions. Robbie interviews mLoop's Ellen Duncan on how data and AI can modernize LO–lender matching and what lenders must do to attract top producers. And last week's sharp rate selloff, driven by renewed oil-fueled inflation, fiscal concerns, and expectations for multiple Fed hikes, pushed Treasury yields and MBS spreads materially higher, underscoring the need for better loan-level execution and risk visibility as markets brace for another 25-basis point Fed hike this week.This week's podcasts are sponsored by FirstClose. FirstClose helps lenders accelerate home equity originations with faster property decisioning, streamlined workflows, and a digital borrower experience from application to closing. FirstClose is the only end-to-end digital HELOC and HEL solution built specifically for home equity lending. Learn more at: https://hubs.ly/Q04tLGXh0Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.

Fox dropped Peter for saying inflation would accelerate. August CPI proved it. Now an 88% rate hike, 19-year-high yields, and $100 oil.

The guys discuss what it's like to be a bourbon consumer and how their buying habits have changed recently

Two megaphones, two drinks, one bar. Corey quits talking about talking and just gets to the talkin'.Second edition of "To the Republic... To the Pub." Corey sits down with his buddy Chip, a Tea Party guy since the '70s, and it turns into a real fight: Trump's second term, JD Vance, ICE and the Home Depot raids, and whether bipartisanship even means anything anymore. Not talking about people we disagree with. Talking with them.FOR THE RECORD: Biden's Last Two Years vs. Trump's First 20 MonthsJobs: averaged 216,000/month in 2023 and 168,000/month in 2024 (BLS, revised). Under Trump, growth has slowed sharply, roughly 716,000 jobs added total from January 2025 through June 2026, versus 2 million over Biden's final 17 months.Inflation: fell steadily under Biden, from a 4.1% average in 2023 to 2.9% by December 2024. Under Trump it's climbed back to 3.4% for the 12 months ending July 2026.GDP: grew 2.9% in 2023 and 2.8% in 2024. Grew 2.1% in 2025, Trump's first year, and slowed to 1.5% in Q2 2026.Stock market: the S&P 500 gained roughly 53% and the Dow roughly 31% combined over 2023 to 2024. Since Trump's inauguration, the S&P is up about 26.5% and the Dow about 21%.Consumer sentiment (University of Michigan index): rose from 69.7 to 74.0 between December 2023 and December 2024. Fell to a near-record low of 44.8 in May 2026 and sat around 52 as of August.Calls to Action✅ Leave a rating and review: lovethepodcast.com/politicsandreligion✅ Subscribe on Substack: coreysnathan.substack.com✅ Watch and subscribe on YouTube: youtube.com/@politicsandreligion✅ Share this episode with someone who thinks bipartisanship is either the whole answer or the whole problemConnect with UsSubstack: coreysnathan.substack.comYouTube: youtube.com/@politicsandreligionInstagram, Threads, Bluesky, X, Facebook, TikTok, LinkedIn: @coreysnathanPartnersProud to be part of The Democracy Group, a network of podcasts examining what's broken in our democracy and how we can work together to fix it.Pull up a stool. Folks we disagree with? It's more fun to talk to 'em than to talk about 'em.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

President Donald Trump and Vice President JD Vance attended ceremonies on Friday to commemorate the 25th anniversary of the terrorist attacks that killed nearly 3,000 people on Sept. 11, 2001. The events honor the 2,977 people killed after al-Qaeda terrorists hijacked four commercial airliners and flew them into the World Trade Center in New York and the Pentagon, while one plane crashed in a Pennsylvania field.Consumer inflation was stable in August despite the war in Iran upending global energy markets and reviving price pressures across the economy. August's annual inflation rate was unchanged at 3.4 percent, according to data from the Bureau of Labor Statistics—a government agency tracking jobs, inflation, and wages—released on Friday.

Consumer prices came in hot enough to keep a rate hike on the table, while diesel prices crossed $6 a gallon nationwide for the first time ever.Chuck Zodda and Mike Armstrong discuss why the latest CPI report gives the Fed little cover to stay on hold, why markets are pricing in multiple rate hikes, and what the bond market is saying about growth and inflation expectations. They also break down how years of inflation have changed everyday prices, why diesel prices could climb even further in the coming weeks, and how rising fuel costs may ripple through shipping, home heating oil, and the broader economy.

Slacker has a surprise!

Full show - Thursday | GMD - Working together | News or Nope - Dancing with the Stars, Stella Lefty, and Nicolas Cage | Is this year different? | Fantastic faux pas | Consumer reviews - CVT Soft Serve | The adult test | Erin DOESN'T want Slacker's help | When can we stop wearing our retainers? | Stupid stories www.instagram.com/theslackershow www.instagram.com/askslacker www.instagram.com/ericasheaaa www.instagram.com/thackiswack www.instagram.com/radioerin

What will the home of 2035 actually look like: One humanoid robot that does everything, or 10 specialized robots, each handling one specific task extremely well?In this episode of NEXT with John Koetsier, I talk with Amber Atherton, serial entrepreneur and investor at Patron, about a very different vision for the future of home robotics.Instead of assuming that every household will eventually have a general-purpose humanoid assistant, Amber argues that consumer robotics may scale first through highly specialized devices that quietly take over specific routines and chores.Think skincare. Hair. Gardening. Cleaning. Wardrobe management. Kitchen tasks. Pet care.In other words, the future home may be full of robots without looking like it's full of robots.We discuss why Roomba is still such an important example of successful consumer robotics, why specialization often wins in consumer markets, what people may actually be willing to pay for useful home robots, and how falling hardware costs plus better AI models could create a new wave of robotics startups.We also get into the bigger platform question: if homes eventually contain dozens of physically intelligent devices, who owns the operating system underneath them?Google DeepMind? NVIDIA? A new robotics platform? Or an ecosystem we haven't seen yet?And, of course, we debate whether humanoids ultimately win anyway.This episode is cross-posted from my Humanoid Daily podcast, where I cover the companies, technologies, investments, and ideas shaping the humanoid robotics boom.Topics include:• Humanoid robots vs. specialized robots • What home robotics could look like by 2035 • Robots for hair, skincare, gardening, and household chores • Why Roomba remains such an important robotics success story • Consumer robotics business models • Pricing home robots • AI foundation models and physical AI • Robotics manufacturing and supply chains • Robot training data • The future operating system for physical AI • Google DeepMind, NVIDIA, 1X, Figure, and Apptronik • Whether the future home needs a humanoid at allNEXT with John Koetsier explores what's coming next in technology, business, AI, robotics, and the future of the world around us.

You May Have a Financial Leak You Can’t See Most people believe they need to earn more money to become wealthy. But what if that’s not the real problem? Imagine discovering a small hole in the bottom of your swimming pool. Every day you refill it, yet it never stays full.That’s exactly how many families manage money. Income comes in… Mortgage payments go out. Taxes go out. Interest goes out. Consumer debt goes out. By the end of the month there’s little left to build lasting wealth.In this episode, Seth Hicks and Vance Lowe explain why increasing income alone rarely creates financial freedom—and why learning to control the velocity of your money changes everything. Discover how successful families think differently about money, why banks continually grow wealth while consumers continually lose it, and how you can begin applying the same principles inside your own financial life. Listen now and begin thinking like a banker.

Consumer technology journalist and host of WGN Radio's Techishly Jenn, Jennifer Jolly, joins Bob Sirott to talk about Apple’s new iPhone Duo and the features she likes about it. She also discusses whether or not it’s worth it to pre-order it and the possible dangers of AI.

A new consumer poll is out, and it's clear that the public has had it with rising costs for health insurance and medical care. Who are they counting on to fix it? David W. Johnson and Julie Murchinson share their policy and market takeaways on, “Consumer Unrest Over Healthcare Costs Grows,” the new episode of the 4sight Health Roundup podcast, moderated by David Burda.

As companies invest billions in AI and automation to scale customer interactions, are they unintentionally building a wall between their brand and the very people they're trying to serve?Agility requires that as technology accelerates, our ability to listen to and understand the customer must accelerate even faster.Today, we're going to talk about how organizations can maintain and deepen their connection to consumers in an era increasingly defined by technological distance. We'll explore:- Why the more we lean on AI for efficiency, the more we need to invest in genuine human understanding.- How to translate abstract consumer insights into tangible actions that resonate across the entire organization, not just the marketing department.- The skills and cultural shifts necessary to prepare marketing teams for a future where empathy is as critical as data analysis.To help me discuss this topic, I'd like to welcome Melissa Blunte, Director, Consumer Experience at Georgia-Pacific. About Melissa BlunteKnown for: A “get it done” attitude. With an ownership mentality, strategic thinking, clear communication, persistence, and a willingness to do things differently, I will find a way to get things done.I am a strategic brand and commercial leader with 20 years of experience driving growth and innovation across Fortune 500 companies and billion-dollar brands such as Zyrtec®, Lipitor®, Similac® Infant Formula, Quilted Northern®, and Angel Soft®.Throughout my career, I've thrived at the intersection of brand building and business results. From launching products and crafting integrated marketing strategies, to leading high-performing teams and managing P&Ls, my focus has always been on delivering measurable impact.I bring a unique combination of big-company discipline, cross-functional leadership, and entrepreneurial agility — and I'm energized by the challenge of crafting strategy and turning them into actions that drive value.Melissa Blunte on LinkedIn: https://www.linkedin.com/in/melissa-mapp-blunte-b452359/---------- Resources ---------- : https://www.gp.com/The Agile Brand podcast is brought to you by TEKsystems. Learn more here: https://aglbrnd.co/r/2868abd8085a9703We're proud to be a media partner for #MAICON26 - Oct. 13-15! Learn how AI can power your marketing and business and help you grow smarter. Use code AGILE150 to save! https://aglbrnd.co/r/7fe458ced0f04658Reach your customers with Reddit. Spend $500 in ad spend, get $500 back in ad credit! Learn more: https://advertalize.com/r/491818c79fb1873fChaser is the only Slack-native project management platform that helps teams turn messages into tracked tasks, automate follow-ups, and maintain team-wide visibility, without adopting another tool. Now integrated with Claude and other GenAI tools. Learn more at trychaser.com and use code AGILEBRAND for a 3-month free trial (normal trial is 14 days).The most influential minds in software, AI, and engineering leadership will be at WeAreDevelopers World Congress North America, September 23-25 in San Jose. Learn more: https://aglbrnd.co/r/60a7299222a7bcf1Start building your own apps with Replit and get $20 off. Learn more: https://aglbrnd.co/r/93531742a7625a20Enjoyed the show? Tell us more at and give us a rating so others can find the show at: https://aglbrnd.co/r/faaed112fc9887f3Connect 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://aglbrnd.co/r/35ded3ccfb6716baCheck out The Agile Brand Guide website with articles, insights, and Martechipedia, the wiki for marketing technology: https://www.agilebrandguide.comThe 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 Hosted on Acast. See acast.com/privacy for more information.

Every wash cycle sheds plastic. Last Monday, Andrew talked with Dr. Anja Brandon of Ocean Conservancy about microfiber pollution, and one question from that conversation stuck with him: has anyone actually fixed this yet? In this solo follow-up, Andrew traces a microfiber's actual path, from the moment agitation, heat, and detergent work it loose from a shirt, through the drain, into a wastewater treatment plant, and out the other side into biosolids, farmland, rivers, and the ocean, with a growing body of research suggesting some of it ends up in human lungs and even in the human placenta. Along the way, Andrew digs into what actually controls how much a load of laundry sheds (full loads shed less per item than half-empty ones, machine type matters, and detergent's role is murkier than expected), what the current health research says about needle-shaped fibers lodging in tissue once they're inhaled or ingested, and why a fix that already exists, a washing machine filter, keeps stalling out politically. France passed the world's first law requiring one, and it still isn't enforced. California tried and got vetoed over a cost of about $14 to $20 per machine. A federal bill is sitting in committee. Andrew also runs through the three consumer-level options available right now: the Cora Ball, a Guppyfriend mesh washing bag, and a PlanetCare retrofit filter, each with a different tradeoff between cost, maintenance, and how much they actually catch. This episode sets up tomorrow's deep dive into Ocean Conservancy's Not Safe for Wash campaign, including the capture-rate dispute between Ocean Conservancy and the appliance manufacturers' trade group that's currently stalling the push for a federal requirement. Takeaways: A single load of synthetic laundry can shed anywhere from a few hundred thousand to millions of microfibers, and agitation is the best-documented cause, though machine type, wash temperature, and detergent all play a role too. A full load of laundry sheds less per item than a half-empty one, because more fabric-on-fabric contact is actually less abrasive than items tumbling loosely with excess water. Fibers that make it past a wastewater treatment plant often end up in biosolids, which get spread on farmland as fertilizer, meaning they're relocated rather than actually removed from the environment. Emerging research has found textile-linked microplastic fibers in human lung tissue and in every human placenta tested in a 2024 study, with inhaled nylon fibers shown to disrupt developing airway cells. A washing machine filter can capture the large majority of shed microfibers for an estimated $14 to $20 added to the cost of a machine, but France's 2025 filter law remains unenforced, California vetoed its own version in 2023, and a federal bill is still in committee. Consumer-level options exist today: a Cora Ball, a Guppyfriend mesh washing bag, or a PlanetCare retrofit filter, each trading off cost, maintenance, and capture rate differently. Ocean Conservancy Website: https://oceanconservancy.org/work/plastics/ Support Independent Podcasts: https://www.speakupforblue.com/patreon Need help with your ocean non-profit, company, or project? Get the help you need with Pisces Oceans Inc.: https://www.piscesoceans.ca Connect with Speak Up For Blue Website: https://bit.ly/3fOF3Wf Instagram: https://bit.ly/3rIaJSG TikTok: https://www.tiktok.com/@speakupforblue Twitter: https://bit.ly/3rHZxpc YouTube: www.speakupforblue.com/youtube  

The Industry Relations Podcast is now available on your favorite podcast player! Overview Rob and Greg dig into the Northwest MLS settlement with Compass, unpacking what it signals for the industry beyond the specific deal terms. The core debate: has Northwest MLS quietly redefined "open marketplace" to mean the MLS itself (its paying subscribers) rather than the open internet — and if so, is that a genuine philosophical shift or just a pragmatic compromise to get lawyers off the clock? They dive into the "First Look" compromise, real numbers on how many listings actually go private, why Zillow treats this as an existential threat, and whether a bigger "grand compromise" between brokers and MLSs is still coming. Key Takeaways - Northwest MLS and Compass reached a settlement/compromise rather than continuing costly litigation. - Rob's central argument: NWMLS is effectively redefining "open marketplace" as its member agents/brokers, not the general public internet. - The compromise centers on "First Look" — a window where members can see listings before they hit the public MLS/internet. - Greg pushes back that this is more pragmatic business compromise than a deep philosophical shift. - Cited numbers: roughly 96% of listings still go straight to the MLS; of the remaining ~4% held privately, only about 10% actually sell. - Rob argues Zillow's aggressive opposition to private listings stems from fear the practice could scale dramatically due to competitive incentives for brokers. - Windermere reportedly has the most exclusive listings in Northwest MLS despite historically opposing this practice publicly. - New Northwest MLS rule requires listing agents get equal visibility to buyer agents on portals and websites. - Consumer advocates (Nick Aufenkamp, Wendy Gilch) argue this shift hurts buyers by fragmenting where listings are visible. - Rob floats a "grand compromise" concept: everything goes into the MLS, but brokers get full marketing freedom outside that requirement. - The conversation touches on Glenn Kelman/Redfin's more consumer-mission-driven leadership as a philosophical counterpoint to the "customer = agents" framing. - Both agree litigation risk (state inquiries, potential class actions) remains a live wildcard going forward. Links OpenAI Astra  Direction of Travel In the listing wars, consumers are a proxy for the real customer   Connect with Rob and Greg Rob's Website  Greg's Website    Watch us on YouTube   Our Sponsors: Cotality  Notorious VIP The Giant Steps Job Board    Production and Editing Services by Sunbound Studios

Yotam Segev, CEO of Cyera, explains where he sees his company in a booming cybersecurity industry hinging on AI's evolution. He discusses how Meta Platforms (META) launching Muse AI demonstrates the differences between using the technology on a consumer level versus an enterprise scale. Yotam turns to whether or not he believes there needs to be more guardrails in the cybersecurity space. ======== 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-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

As people in the United States struggle with rising costs, they are increasingly turning to “buy now, pay later” loans for essentials such as rent and groceries.Stacey Cowley, a business reporter for The New York Times, explains the draw and the hidden risks of the loan model.Guest: Stacy Cowley, a business reporter at The New York Times, with a focus on consumer finance.Background reading: “Buy now, pay later” lenders have pitched loans for needs like electricity and rent.They got to live a life of luxury. Then came the fine print.Photo: Amir Hamja for The New York Times For more information on today's episode, visit nytimes.com/thedaily. Transcripts of each episode will be made available by the next workday. Subscribe today at nytimes.com/podcasts or on Apple Podcasts and Spotify. You can also subscribe via your favorite podcast app here https://www.nytimes.com/activate-access/audio?source=podcatcher. For more podcasts and narrated articles, download The New York Times app at nytimes.com/app. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Jesus warns people not to do good things for the wrong reason. Righteousness is having a right relationship with those around us and with God.

Commissioner Kristy Nieto of the Public Service Commissionof Wisconsin joins the Electric Wire to discuss her background on consumer issues and the work she's doing now to ensure that customers are at the forefront of decision-making. Commissioner Nieto will also be speaking at the upcoming Customers First Coalition Power Breakfast on September 15, 2026. Registration information and a full agenda can be found here: https://www.eventbrite.com/e/cfc-power-breakfast-2026-affordability-and-the-customer-experience-tickets-1994715712392Links Mentioned in the Episode: Commissioner Nieto's appearance on the Electric Wire podcast in 2021 (Episode 12, Energy Assistance During the Pandemic): https://youtu.be/9ogRle6Rdms Commissioner Nieto's appointment to chair the National Association of Regulatory Utility Commissioners (NARUC) Committee on Consumers and the Public Interest: https://www.wispolitics.com/2026/public-service-commission-psc-commissioner-nieto-appointed-chair-of-the-naruc-committee-on-consumers-and-the-public-interest/Register for CFC's 2026 Power Breakfast in Madison bySeptember 10!https://www.eventbrite.com/e/cfc-power-breakfast-2026-affordability-and-the-customer-experience-tickets-1994715712392

Why do 77% of borrowers say loan payment protection provides meaningful financial security, while only 22% have purchased it? According to Alexia Johnson of Securian Financial, the biggest barrier is not a lack of need. It is a lack of trust, understanding, and relevant education during the lending process.Alexia joins Credit Union Conversations host and MBFS CEO Mark Ritter to discuss Securian Financial's 2026 lending environment study and what it reveals about consumer finances and borrower financial wellness. As rising costs push consumers from trying to get ahead to simply staying afloat, payment protection can help cover loan payments or balances following an unexpected job loss, disability, or death. Yet many borrowers remain skeptical and view protection products as an added sales tactic or junk fee.Mark and Alexia explain how credit unions can close the borrower trust gap by introducing loan payment protection earlier, sharing real-life examples, asking better questions, and tailoring the conversation to each member's stage of life. They also explore why digital lending still needs a human touch and how financial education can strengthen member relationships while helping borrowers prepare for the unexpected.WHAT YOU WILL LEARN IN THIS EPISODE:✅ What loan payment protection is and how it can help following job loss, disability, or death✅ Why borrowers recognize the value of payment protection but often choose not to purchase it✅ How credit unions can build borrower trust through education, transparency, and real-life examples✅ How to introduce payment protection earlier without making it feel like an added fee✅ Why digital lending experiences still need personalized conversations and human supportSubscribe to Credit Union Conversations for insights on credit union leadership, AI, fintech, and business lending. Connect with MBFS to explore lending support and growth solutions.TIMESTAMPS:(00:00) Mark introduces Alexia Johnson of Securian Financial(02:32) Alexia's financial services background and work with credit union partners(03:10) How Securian Financial supports families, consumers, and financial institutions(04:16) What loan payment protection is and how Securian's lending study works(06:54) Why borrowers have shifted from getting ahead to staying afloat(08:58) The gap between payment protection's perceived value and actual adoption(10:24) Why skepticism and distrust keep borrowers from purchasing protection(13:15) How real-life examples can make payment protection relevant to members(16:04) Why payment protection should be discussed earlier in the lending process(18:14) Preserving education and human connection in digital lending(19:46) Tailoring payment protection conversations across generations and life stages(20:40) How credit unions can increase trust, education, and product participationKEY TAKEAWAYS:

【欢迎订阅】 每天早上5:30，准时更新。 【阅读原文】 标题：Could AIs become conscious?Even if they don't, they might be treated as such—to humanity's great cost正文：Most people believe humans are different. The reason is that Homo sapiens has evolved to be conscious. Many animals feel pain and pleasure; some appear to be self-aware. But the human mind‘s unique potential to exhibit a sense of self marks out every member of the species for special treatment.知识点：【evolve】 /ɪˈvɒlv/ v.英文释义：evolve means to develop gradually over a long period of time, especially through a natural process本义为"（慢慢地）展开、演进"（e-出+ volv卷，卷轴慢慢展开），进化生物学语境核心义为"进化、演化"（本文特指：智人通过漫长的自然选择过程演化出了意识这一特征，而这正是人类被赋予特殊地位的根据）核心搭配：evolve from sth、evolve into sth、evolve over time、evolve gradually、evolutionary advantage・The company evolved from a two-person consultancy into a listed software group in under a decade.这家公司在不到十年间，从一家两人咨询工作室演变成上市软件集团。・Consumer habits evolve far faster than the regulations designed to govern them.消费者习惯的演变速度，远快于用来规范它们的法规。【节目介绍】 《早安英文-每日外刊精读》，带你精读最新外刊，了解国际最热事件：分析语法结构，拆解长难句，最接地气的翻译，还有重点词汇讲解。 所有选题均来自于《经济学人》《纽约时报》《华尔街日报》《华盛顿邮报》《大西洋月刊》《科学杂志》《国家地理》等国际一线外刊。 【适合谁听】 1、关注时事热点新闻，想要学习最新最潮流英文表达的英文学习者 2、任何想通过地道英文提高听、说、读、写能力的英文学习者 3、想快速掌握表达，有出国学习和旅游计划的英语爱好者 4、参加各类英语考试的应试者（如大学英语四六级、托福雅思、考研等） 【你将获得】 1、超过1000篇外刊精读课程，拓展丰富语言表达和文化背景 2、逐词、逐句精确讲解，系统掌握英语词汇、听力、阅读和语法 3、每期内附学习笔记，包含全文注释、长难句解析、疑难语法点等，帮助扫除阅读障碍。

Is the Consumer Price Index accurately measuring the inflation Americans actually experience? Lance Roberts talks with Oliver Rust of Truflation about how real-time inflation data can differ from traditional CPI measurements. They examine housing and rent concessions, regional price differences, consumer substitution, the K-shaped economy, housing affordability, and the continuing resilience of consumer spending. Oliver also explains how Truflation builds its inflation index, where its methodology differs from the Bureau of Labor Statistics, its work with the Federal Reserve, and what its data says about inflation now. Plus, they discuss what could come next as Truflation expands into employment and other economic indicators. For investors watching inflation, interest rates, housing, and the Federal Reserve, the question is increasingly important: Which inflation data best reflects the economy consumers are actually living in? 0:00 - INTRO 0:55 - What is Wrong with current Inflation/CPI Measurement? 2:46 - The Data Truflation Uses 5:36 - Solving for Interstate Price Variables 6:46 - How is Housing Weighted in Truflation Metric vs BLS & CPI 10:24 - The Concessions in Rental Agreements are not accounted for 15:00 - What is Inflation Doing Now? 16:42 - The Bifurcation in Housing - New Homes vs Existing Home Sales 18:23 - Housing Affordability & K-Shaped Economy 21:17 - Who's Right: CPI or Truflation? (Working with the Fed) 25:51 - The Boskin Commission & Hedonics - What Truflation Does Not Measure 28:40 - Factoring in Substitution by Consumers 30:46 - Effects of FIFA World Cup in U.S. 33:01 - Truflation Expectations for the Future 36:20 - The Resilience of the Consumer - how long will they spend? 38:22 - What if Truflation Had Been Around Back Then... 40:14 - Truflation Plans for Expansion: Employment & Economic Indicators 41:49 - Cross Correlation of data sets is worth reviewing Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Oliver Rust, TruFlation Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/603EdhToXq8 ------- Watch our previous show, " " ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #Inflation #CPI #FederalReserve #Economy #Investing

Is the Consumer Price Index accurately measuring the inflation Americans actually experience? Lance Roberts talks with Oliver Rust of Truflation about how real-time inflation data can differ from traditional CPI measurements. They examine housing and rent concessions, regional price differences, consumer substitution, the K-shaped economy, housing affordability, and the continuing resilience of consumer spending. Oliver also explains how Truflation builds its inflation index, where its methodology differs from the Bureau of Labor Statistics, its work with the Federal Reserve, and what its data says about inflation now. Plus, they discuss what could come next as Truflation expands into employment and other economic indicators. For investors watching inflation, interest rates, housing, and the Federal Reserve, the question is increasingly important: Which inflation data best reflects the economy consumers are actually living in? 0:00 - INTRO 0:55 - What is Wrong with current Inflation/CPI Measurement? 2:46 - The Data Truflation Uses 5:36 - Solving for Interstate Price Variables 6:46 - How is Housing Weighted in Truflation Metric vs BLS & CPI 10:24 - The Concessions in Rental Agreements are not accounted for 15:00 - What is Inflation Doing Now? 16:42 - The Bifurcation in Housing - New Homes vs Existing Home Sales 18:23 - Housing Affordability & K-Shaped Economy 21:17 - Who's Right: CPI or Truflation? (Working with the Fed) 25:51 - The Boskin Commission & Hedonics - What Truflation Does Not Measure 28:40 - Factoring in Substitution by Consumers 30:46 - Effects of FIFA World Cup in U.S. 33:01 - Truflation Expectations for the Future 36:20 - The Resilience of the Consumer - how long will they spend? 38:22 - What if Truflation Had Been Around Back Then... 40:14 - Truflation Plans for Expansion: Employment & Economic Indicators 41:49 - Cross Correlation of data sets is worth reviewing Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Oliver Rust, TruFlation Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/603EdhToXq8 ------- Watch our previous show, " " ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #Inflation #CPI #FederalReserve #Economy #Investing

Everyone keeps saying the American consumer is holding up. People are still shopping. Gasoline sales are hitting records. Consumer spending hasn't collapsed. But beneath those reassuring headlines, though, we keep getting strong warning behavior is changing. Not just from conveniences stores, from construction to Uber and even, yes, the BLS.Pay more to get less. The very definition of impoverishment.Eurodollar University's Money & Macro Analysis----------------------------------------------------------------------------------What if your gold could actually pay you every month… in MORE gold?That's exactly what Monetary Metals does. You still own your gold, fully insured in your name, but instead of sitting idle, it earns real yield paid in physical gold. No selling. No trading. Just more gold every month.Check it out here: https://monetary-metals.com/snider----------------------------------------------------------------------------------https://www.youtube.com/watch?v=QQRHUlCSFxghttps://www.youtube.com/watch?v=F-GRIytk4Gchttps://www.youtube.com/watch?v=SGDdXFaPiDAhttps://www.youtube.com/watch?v=nng1a6qUdOwhttps://www.youtube.com/watch?v=Uqzp7GK0Ahchttps://www.facebook.com/Reuters/videos/uber-cuts-3300-jobs-as-waymo-threat-grows/1053460624142733/https://www.facebook.com/usopentennis/videos/cocos-face-tells-the-story-/1776277563619934/https://www.youtube.com/watch?v=wHzPxqJthEUhttps://www.autodesk.com/blogs/construction/construction-time-lapse-videos/https://www.thestreet.com/retail/dollar-general-ceo-core-customers-distress-warninghttps://www.cnbc.com/video/2026/07/13/crameras-stop-trading-dollar-general.htmlhttps://www.cnbc.com/video/2026/08/14/consumer-sentiment-drops-in-august.htmlhttps://www.bloomberg.com/news/newsletters/2026-09-02/luxury-home-sales-stall-in-seattle-area-as-big-tech-cuts-jobshttps://www.eurodollar.universityTwitter: https://twitter.com/JeffSnider_EDUI'll also be active on Bravais Social - a new AI-centered social network designed for professionals and knowledge workers. The platform aims to bring together a wider range of tools and functionalities tailored specifically for professional interaction, research, and knowledge exchange in one place. You can find me here: https://bravais.social/profile/edu

Nvidia agreed to buy Hugging Face for $12.9B, betting on its $399 Microduck robot as a physical-AI data engine, Meta rolled out Muse Spark 1.3 to rival Fable 5.1 and GPT-5.6 Sol, and Microsoft restructured its reporting into two segments. Nvidia agrees to buy Hugging Face for $12.9B, its second-biggest purchase after it paid $20B for Groq assets at the end of last year (CNBC) Sources: Decoding Discontinuity's Raphaelle D'Ornano argues Nvidia's bid is really an option on physical AI's data commons, with Hugging Face's $399 Microduck robot converting real-world robot use into open training data (Decoding Discontinuity) Meta rolls out Muse Spark 1.3 in Muse Code and Meta Model API, saying it improves performance across agentic and coding tasks, at the same pricing as Spark 1.2 (Axios) Muse Spark 1.3 holds a 52% lead on TAU³-Banking's tool-use benchmark and climbs to 85-86% on Terminal-Bench 2.1 coding tests, though Fable 5.1 still tops coding at 91.4%, all at unchanged $1.25/$4.25 pricing (The Decoder) Meta's Alexandr Wang tells Bloomberg Muse Spark 1.3 is competitive with Fable 5.1 and beats GPT-5.6 Sol at coding, uses 25% fewer tokens than 1.2, and previews a larger future model called Watermelon (SiliconANGLE) Microsoft shifts from three reporting segments to two: Agents and Infra, which has Microsoft 365 and Azure, and Devices and Consumer, which has Windows and Xbox (The Wall Street Journal) Subscribe to the ad-free feed.

CAPTION 1857 WALL STREET, 230 PM, PANICCONTENTS OF THE JOHN BATCHELOR SHOW 9-1-2026Economic Strength Persists Despite Oil PressuresLiz Peek observes that while Wall Street is split on whether the Federal Reserve will raise interest rates in September, the American economy remains robust. Consumer spending is strong, small business profitability is at yearly highs, and hiring remains resilient. The primary economic headwind is rising oil prices fueled by the war in Iran. Additionally, she analyzes the investment potential of rebuilding Venezuela's ruined oil infrastructure, estimating it will take five years to yield significant production increases. Finally, Peek highlights how progressive groups like the Democratic Socialists of America and Chinese misinformation bots actively oppose crucial domestic data center development. (1)Russian Hybrid Attacks Destabilize European SecurityJudy Dempsey discusses European frustration over the unexpected presence of Russia's finance minister at a G20meeting, which highlighted a lack of communication within the transatlantic alliance. She details the Leipzig drone incident—a critical near-miss attack at a vital logistics hub for Ukraine—which is suspected to be a Russian hybrid operation. Dempsey explains how Russia leverages cyber and physical threats to instill fear, polarization, and anxiety among voters. This instability directly bolsters the populist Alternative for Germany (AfD) party, which capitalizes on eastern Germany's demographic decline, economic resentment, and euroskeptic nationalism. (2)Hidden Fiscal Challenges Facing Modern EconomiesJoseph Sternberg warns Americans about the hidden burdens of a Value Added Tax (VAT), a consumption tax common in Europe. Although pitched as simple, Sternberg argues that this tax creates immense compliance burdens for small businesses, requiring a full working week annually to administer. This complexity fosters a cash-based gray market to evade the tax. Furthermore, because the tax is concealed within product prices rather than added at checkout, politicians can easily hike rates without public outcry. Sternberg also contrasts Europe's expensive, highly regulated data center shortage with America's resistance to building the AI infrastructure crucial for its economic future. (3)Canada Navigates Trade Rupture With AmericaCharles Burton highlights the geopolitical fallout from the breakdown of US-Canada trade negotiations, which resulted in a fifty percent tariff penalty on Canada. This dispute sparked a surge of anti-American nationalism, boosting political support for Mark Carney, particularly in Quebec over French-language protection concerns. Consequently, Canada is rapidly diversifying its trade away from the United States, aligning closer with China and the European Union. Burton warns that Beijing stands to benefit immensely, offering trade access if Canada ceases opposing Chinese geostrategic interests, while Ottawa prioritizes west coast pipelines to ship oil directly to China. (4)Global Chaos Drives Rise of NationalismGregory Copley outlines how global actors leverage chaos to achieve strategic goals, noting China's aggressive attempts to disrupt the Pacific Islands Forum in Palau due to Taiwan's participation. Beijing's hostile diplomacy also targets Eswatini, Africa's sole state recognizing Taiwan, to strip Taiwan of international support. Copley notes that energy security is governed by transportation bottlenecks, highlighting the strategic importance of Cuban cobalt for future energy storage. Finally, he explains how uncontrolled migration and Russian hybrid operations drive resurgent European nationalism, prompting a breakdown of supranational systems like the European Union. He also touches on British royal dynamics. (5)Frustrated Voters Navigate Challenging Midterm DynamicsThaddeus McCotter interprets midterm election polling, explaining how the president's approval rating influences independent voters seeking checks and balances in Congress. He notes that high, near-identical disapproval ratings for both major parties reflect widespread voter frustration with outdated governing paradigms. Rather than outright anger, Americans are frustrated by the lack of sane, competent governance and positive, aspirational platforms. McCotter highlights how voters connect abstract foreign policies, such as ongoing operations in Iran, directly to their daily lives and pocketbooks through tangible domestic indicators like high gasoline prices. (6)University Core Curriculum Reform Offers PromisePeter Berkowitz discusses university core curriculum reform, pointing to a promising new proposal at the University of Texas at Austin. He argues that traditional core curricula fail because tenured faculty prioritize narrow research interests over student needs, leaving graduates without a foundational understanding of Western civilization, American political ideas, or global cultures. Under UT Austin's top-down initiative, the curriculum is divided into arts and humanities, social sciences, and STEM, offering deep introductions to major issues. Berkowitz contrasts this structured reform with conventional systems that students merely view as arbitrary academic hoops. (7)Syrian Integration Brings Hope and RiskAhmad Sharawi outlines regional developments in the Middle East, starting with a US-mediated agreement involving the IAEA and Syria to monitor nuclear material from the bombed Al-Kibar site. Although supervised by the IAEA, the material remaining in Syria poses a risk of theft or exploitation by neighbors. Sharawi also details the finalized integration of Kurdish-led Syrian Democratic Forces into the national military, granting Kurds citizenship and language rights while expanding state control to ninety-seven percent of Syrian territory. This satisfies Turkey by ending hopes of Kurdish autonomy. Finally, he notes impending US sanctions against Oman for sanctions-busting. (8)

CAPTION: 1900 FIFTH AVENUE NEW YORK Economic Strength Persists Despite Oil PressuresLiz Peek observes that while Wall Street is split on whether the Federal Reserve will raise interest rates in September, the American economy remains robust. Consumer spending is strong, small business profitability is at yearly highs, and hiring remains resilient. The primary economic headwind is rising oil prices fueled by the war in Iran. Additionally, she analyzes the investment potential of rebuilding Venezuela's ruined oil infrastructure, estimating it will take five years to yield significant production increases. Finally, Peek highlights how progressive groups like the Democratic Socialists of America and Chinese misinformation bots actively oppose crucial domestic data center development. (1)