Podcasts about Consumer

**New course: Join the Plain English ChatGPT Challenge Our free 5-day course will introduce you to ChatGPT, the artificial intelligence tool that everyone is talking about. And we'll do it just like we do this podcast: at a pace that's right for English learners. Sign up for free today. On today's lesson: ChatGPT is artificial intelligence for the masses. It's the first widely-adopted consumer application of a Large Language Model, which uses billions of inputs to answer questions (often correctly). Consumer companies like Grammarly and LinkedIn have rushed to incorporate LLMs in their own products. Plus, learn the English expression ""hit home."" -- At Plain English, we make English lessons for the modern world. -- Today's full English lesson, including a free transcript, can be found at: https://plainenglish.com/574 -- Learning English should be fun! That's why our lessons are about current events and trending topics you care about: business, travel, technology, health, science, politics, the environment, and so much more. Our free English lessons always include English expressions and phrasal verbs, too. -- Learn even more English at PlainEnglish.com, where we have fast and slow audio, translations, videos, online English courses, and a supportive community of English learners like you. Sign up free at PlainEnglish.com/Join -- Aprende inglés gratis en línea con nuestro curso de inglés. Se habla a una velocidad lenta para que todos entiendan. ¡Aprende ingles con nosotros ahora! | Aprenda Inglês online grátis com o Plain English, a uma velocidade menor, para que todos possam entender. Contact: E-mail jeff@plainenglish.com | WhatsApp +1 312 967 8757 | Facebook PlainEnglishPod | Instagram PlainEnglishPod | Twitter @PlainEnglishPod "

The reality is that we are in a recession and things are happening - fast! Consumer behavior is changing rapidly, and in fact, economists say that consumer behavior is changing 10 times faster than average! What does this mean for you as a hair stylist in 2023? In this episode, I reveal  how you can not just survive, but thrive during this time, with confidence, while retaining guests and increasing your prices. Get ready, because today I share the pricing dos and don'ts that you need to know for today's economy!  If you have a question for me that you'd like answered in a future episode, a great way to do that is to head over to Apple Podcasts and leave a rating and review with your question. I'm looking forward to answering your question on a future episode on the podcast. If you're not already following us, @thethrivingstylist, what are you waiting for? This is where I share pro tips every single week, along with winning strategies, testimonials, and amazing breakthroughs from my audience. You're not going to want to miss out on this! Learn more at: https://thethrivingstylist.com/podcast/284 

Nico Wittenborn is the Founder of Adjacent, one of the best early-stage firms created over the last 5 years. Before starting Adjacent, Nico spent over 3 years at Insight Partners in New York and before that learned the craft of venture from some of the best in early-stage, Point Nine, where he spent over 4 years. Nico's portfolio across funds includes the likes of Revolut, Chainalysis, Oura, RevenueCat and PhotoRoom to name a few. In Today's Show with Nico Wittenborn We Discuss: 1.) From Selling Mobile Phones to Leading Early-Stage Investor: How did Nico first make his way into the world of venture with Point Nine? What did Nico learn from his time with Point Nine and Insight? How did his time at each impact how he invests and runs Adjacent today? What does Nico know now that he wishes he had known when he started investing? 2.) Is Consumer Subscription Even a Good Place to Invest? With Calm ($2BN) and Duolingo ($6BN) as the market leaders and there only being two of them, is consumer subscription even a good place to invest? How does Nico pushback that retention for consumer subscription apps is so bad? What do many not see about consumer subscription retention numbers? How does Nico respond to the challenge of high customer acquisition cost and navigating challenging platform shifts in advertising, when investing in consumer subscription? What will the consumer subscription landscape look like in 5 years time? 3.) Adjacent: The Fund, The Strategy: Why does Nico believe if your fund model relies on $10BN outcomes, you are in trouble? How large is the latest Adjacent fund? What does the portfolio construction look like for the fund? How much diversification is the right level of diversification? How many companies per fund? How does Nico think about capital concentration on a per company basis? What are Nico's ownership requirements? How have they changed with funds? What is it about Nico's structure which enables him to be more collaborative than others? 4.) Nico: The Investor: Lessons: How does Nico reflect on his own relationship to price? When does he pay up? When does he not? What has been one of Nico's biggest misses? How has that changed his approach? Why does Nico not really compete with the large multi-stage funds? Why is Nico deliberately trying to reduce the amount of companies that he sees? 5.) The Future of Venture: How does Nico analyze the rise of solo GPs? What are the biggest pros and cons of the model? Why does Nico believe the large generalist funds are in trouble? Who is set to win and who is set to lose in the next 10 years of venture? Which seed firm would Nico invest in? Which Series A firm? Which growth firm?

Economists look to the residential housing market as a primary indicator of whether a recession is coming, and home transaction and construction data began showing positive signs that the housing downturn may have reached a bottom in February. Many believe we've dodged a severe recession, and some are even optimistic that the Fed will achieve the soft landing the central bank was hoping for—an outcome of stabilized inflation without a significant rise in unemployment.  Consumer spending has begun to plateau, and The Fed has signaled that it will likely put future rate hikes on hold while keeping an eye on inflation. The rate hikes that began last March may finally be coming to a close. Meanwhile, signs have pointed to a recovery in the housing cycle. After a contraction in selling activity, a slowdown in residential development, and falling home prices, things started to turn around in February.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Total consumer debt hit a fresh new high in the first quarter of 2023, pushing past $17 trillion even amid a sharp pullback in home borrowing. According to a report from the New York Federal Reserve, the total for borrowing across all categories hit $17.05 trillion, an increase of nearly $150 billion, or 0.9% during the January-to-March period. That took total indebtedness up about $2.9 trillion from the pre-Covid period ending in 2019.In this episode of The Higher Standard, Chris and Saied examine this news and determine the effect it will have on the economy as a whole.They discuss news that famed short-seller Michael Burry and his hedge fund, Scion Asset Management, snapped up 150,000 shares of First Republic prior to its purchase by JP Morgan, worth about $2 million at the end of the first quarter.Chris and Saied look at A Gallup poll indicating that 36% of US adults say they have a “great deal” or a “fair amount” of confidence that the Federal Reserve chairman would do or recommend the right thing for the economy, a precipitous drop which is now at or below his predecessors' as the central bank wages its war against inflation.⁣They also offer some thoughts on recently-released Federal Reserve data, showing that deposits at U.S. banks climbed to $17.16 trillion in the week ended May 3, up about $67 billion, ticking up from the lowest level in nearly two years while bank lending was little changed at a record level.Join Chris and Saied for this fascinating and informative conversation.Enjoy!What You'll Learn in this Show:Why inflaton in Argentina has sped up to 109% as currency weakens before the election.The three steps to a Federal Reserve pivot.Why Warren Buffett and Michael Burry are doubling down in the banking sector.Why the FOMC needs to see inflation going down on a fast enough trend.And so much more...Resources:"With $1B in back rent due, LA landlords struggle to survive" (The RealDeal via Instagram)"Consumer debt passes $17 trillion for the first time" (CNBC via Instagram)"Michael Burry loaded up on bank stocks during the banking crisis" (Bloomberg Business via Instagram)"Paul Tudor Jones says the Fed is done raising rates, stocks to finish the year higher" (CNBC via Instagram)"Confidence in Jerome Powell has plunged to a record low" (Bloomberg Business via Instagram)"What happens when the prophecy of the blockchain fails?" (Bloomberg Business via Instagram)"U.S. bank deposits rise in early May, lending little changed at record high" (Reuters)"US real estate investors are losing money on roughly 1 in 7 homes they sell — among the worst since 2016. And they're most likely to take a hit...

Subscribe to Bad Faith on Patreon to instantly unlock our full premium episode library: http://patreon.com/badfaithpodcast Consumer activist and former presidential candidate Ralph Nader on whether the Squad betrayed rail workers, the corruptive influence of the Congressional Black Caucus, what Hakeem Jefferies means for progressives 'inside game,' the reordering the Democratic Primary, whether Dems will hold SBF accountable, Kyrsten Sinema's party switch, Tesla's quality issues, the unprecedentedly large pentagon budget, the electoral landscape for 2024, and more. Subscribe to Bad Faith on YouTube for video of this episode. Find Bad Faith on Twitter (@badfaithpod) and Instagram (@badfaithpod). Produced by Armand Aviram. Theme by Nick Thorburn (@nickfromislands).

Deliciously different, with a refreshing approach to building a brand. Made the “Old fashioned way,” reaching consumers in an entirely new way. CAVU works with brands like Beyond Meat, Bai, Vital Proteins, Jennifer Garner's Once Upon a Farm, ONE bars, Oat-ly, Skinny Dipped, and Bulletproof. Chief Brand Architect Stevie Clements joins Justin to discuss how CAVU helps consumer brands accelerate growth.

No Agenda Episode 1556 - "Uncertainty Complex" "Uncertainty Complex" Executive Producers: Sir Dirty Dan the Garbage Man, Consumer of Raw Milk, Denier of Science, and Ally of the Unvaccinated Sir Doctor Captain Maverick Sir Adam and Sir Josh Baron Sir Phil of the Bluegrass Kelly Dame of the longest of Islands Ryan Jones Chap Williams Jaron Walton Eliza McKowan Sir Ijuimden von Saar Become a member of the 1557 Club, support the show here Boost us with with Podcasting 2.0 Certified apps: Podverse - Podfriend - Breez - Sphinx - Podstation - Curiocaster - Fountain Title Changes Sir Phil of the Bluegrass > Baronet Knights & Dames Kelly Conway > Kelly dame of the longest of islands anonymous > Sir Dirty Dan the Garbage Man, Consumer of Raw Milk, Denier of Science, and Ally of the Unvaccinated. Mitchell Ponsford > Sir Doctor Captain Maverick Karl Marble >Sir Karl-with-a-K of the missing semicolon Art By: Tante Neel tante_neel@getalby.com End of Show Mixes: Tyrannical Lisp - Tom Starkweather - Sir Michaelanthony Engineering, Stream Management & Wizardry Mark van Dijk - Systems Master Ryan Bemrose - Program Director Back Office Jae Dvorak Chapters: Dreb Scott Clip Custodian: Neal Jones Clip Collectors: Steve Jones & Dave Ackerman NEW: and soon on Netflix: Animated No Agenda No Agenda Social Registration Sign Up for the newsletter No Agenda Peerage ShowNotes Archive of links and Assets (clips etc) 1556.noagendanotes.com Directory Archive of Shownotes (includes all audio and video assets used) archive.noagendanotes.com RSS Podcast Feed Full Summaries in PDF No Agenda Lite in opus format NoAgendaTorrents.com has an RSS feed or show torrents Last Modified 05/18/2023 16:49:12This page created with the FreedomController Last Modified 05/18/2023 16:49:12 by Freedom Controller

To make the most out of the majority of situations and of life in general, you need to lean in. When you can encapsulate an idea, share it with someone else, get their thoughts on it, have it come back around to you share it with another person. That's when magic happens. On this episode of The Flourishing Entrepreneur, we talk about leaning into what makes you diverse and leveraging the certifications that can help you maximize your unique perspective and experience. Alongside our guests Heather Cox and Liz Whitehead, we focus on the benefits of diversity certification, how to incorporate diversity into your business, and the importance of knowing your strengths and weaknesses when collaborating with others. We also discuss how they help diverse suppliers navigate certification programs as well as the importance of being intentional about diversity in your business.  In this episode, you'll learn about:   How authenticity helps with finding people who are aligned with you Having relationships with people who challenge you The correlation between unworthiness and pricing The truth about what is required as a business owner     Here's a peek inside the episode:   [12:24] The impact of embracing diversity in business   [14:59] Providing a greater client experience with diversity   [20:06] The importance of knowing who you are   [21:29] Leveraging soundbites to showcase authenticity   [31:51] Instilling confidence in yourself and others   [35:21] Diversifying your resources   [43:45] Recognizing when you are missing the mark when being intentional   Connect with me!     What steps wil you take to diversify your business? The first step is being clear on who you are and intentional in the way you operate. This may require you to freshen a few things up such as your messaging or offer. Check out our guide that walks you through three steps in revamping your brand and stand out from the competition.   Download The Guide “3 Ways to Revamp Your Brand Messaging to Stand Out From the Competition": https://www.flourishmarketing.co/revamp    FM Website: Flourish Marketing | Radically Authentic Marketing Strategy & Copywriting Schedule a Discovery Call: Discovery Call  FM Website: Flourish Marketing | Radically Authentic Marketing Strategy & Copywriting Schedule a Discovery Call: Discovery Call    Guest's Bio:   Recognizing that diverse businesses need a program to give them the information they need, when they need it, and in a way that drives them to take action, Heather Cox and Liz Whitehead  co-founded Diversity Masterminds®. Diversity Masterminds® is an online curriculum focused on building a roadmap to certification success.   Where to find more about Heather & Liz:   Company  Website: https://www.diversitymasterminds.com/    The company Social Media: @DivMasterminds - Twitter and Instagram https://www.linkedin.com/company/diversitymasterminds  

Show Notes: On May 12, 2023, Chad Oakley, CEO of Charles Aris, a top retained search firm in the US for placing former and current management consultants, spoke to members of Umbrex about the current state of the job market for consultants. Chad gave an introduction to Charles Aris and spoke about their strategy practice. He encouraged attendees to ask questions to make the conversation interactive. The conversation focused on the job market for consultants, including the current state of the market, the opportunities available, and the strategies consultants should use to navigate the market. Chad offered his perspective on the job market and provided insights for consultants looking for positions. Charles Aris, Executive Search Firm Charles Aris is a classic executive search firm that has been in business for 54 years and has 90 team members located across 15 states. They specialize in bespoke searches and their five main areas of focus are strategy, corporate development, finance and accounting, engineering, operations and supply chain, and sales and marketing. Their client base is split between private equity firms and non-private equity organizations. They also produce monthly newsletters about their searches and offer reports and compensation studies. Charles Aris has the largest strategy recruiting practice in the United States and their practice is headed by a former consultant from Deloitte Consulting and Wharton MBA. They specialize in placing current and former strategy consultants from firms such as Bain, BCG and McKinsey in various positions from pre-MBA level to partner level. Increased Demand for Management Consultants Since May 2022, the United States experienced  unprecedented economic growth during the past year and unprecedented numbers of employees leaving current positions which led to a shortage of staff in many firms. As a recruiting firm, Charles Aris was overwhelmed with search requests and had to implement a 40-day delay on all new searches for the first time in its 54-year history. A pullback started in December, and interest rates were raised to tame inflation, even if that meant driving the economy into a recession. We are now in the middle of a transition from a 100% candidate-driven market to a 75% company-driven market. Despite this, mixed messages are coming from the market causing confusion; major corporations such as Amazon are announcing sizable layoffs, while the monthly labor reports are robust and unemployment rates have fallen. Chad explains what is behind the conflicting reports between the numbers.  He goes on to explain how this has impacted the consulting sector, how numbers of hires have fallen dramatically compared to the previous year. He mentions how major consulting firms are rolling out their playbook, how they are managing people out, and promotions are slowing, taking on fewer hires, and he identifies a common lie amongst top-tier consulting firms when it comes to promotion, and what many firms are offering in terms of “transition payments” to accommodate moving people out of the firm. Areas of Demand for Management Consultants However, he also talks about what firms are looking for in terms of remote or on-location hires. He talks about the areas of consulting where there is an increase in demand for transformation skill sets. He explains that companies want to reduce their cost structure and are in need of transformation and cost containment experts. Companies have built up investments during the hay days and now need help unwinding them. Companies need assistance in cost containment as they look to their future and realize they likely won't hit their revenue targets. These transformation and cost containment services can help them reduce their cost structure, allowing them to be successful in the coming years. Private equity firms are facing a challenging time right now, as the cost of capital has increased and deal flow has slowed. To make up for this, private equity firms are investing in their existing portfolio companies to make sure they reach their full potential. There is a spike in demand for individuals who specialize in areas such as transformation and cost cutting, finance and accounting, talent professionals, and operations and supply chain. CFOs are the hardest positions for companies to fill due to a demand and supply imbalance. He recommends that independent consultants should specialize in a few areas to ensure they are able to take advantage of the current market demand with Finance as the highest area of demand. The Demand for Specialists over Generalists In the current economic downturn, companies are less likely to take risks on hiring generalists and more likely to hire specialists for projects. Companies want to make sure that their money is being spent in a way that will yield a strong return. Therefore, it is important for people to identify their true specialties and market themselves aggressively as a specialist in those areas. This can be difficult, as it is tempting to present oneself as a generalist in order to secure more work. However, companies in an economic downturn are more likely to look for specialists they can trust to get the job done. Chad offers key tips on how to market oneself in the current down market. Chad shares that demand is steady across all industries, with insurance companies being particularly consistent in their hiring practices; general financial services, life sciences, and healthcare also show steady demand. Consumer-facing and retail jobs, however, have seen less demand. To illustrate the extent of the downturn, he states that in the first four months of this year, they have enacted 30% fewer searches and that one should prepare for the ongoing downturn by cranking up their marketing efforts and skills.  Finally, he also discusses some of the challenges consultants may face, such as the importance of having a strong online presence and demonstrating value to potential clients. The International and Future Market for Consulting Services Charles Aris represents the U.S. but has 50 partners in other countries. He shares feedback from their annual meeting in Columbia this year that a recession in the U.S. affects the rest of the international community and that a recession is inevitable. To ride the wave, Chad recommends taking proactive steps to deal with an economic downturn. He shares how they have seen a reduction in compensation rises without a decrease in current compensation. He shares how major consulting firms such as McKinsey are managing to maintain their current fees with their clients. In terms of the Data Science market, this is a no-lose career choice moving forward, but in the ESG sustainable market, a lot of companies consider this a luxury and it's not at the core of their business, Chad forecasts that companies will downplay the focus in this area. He confirms that corporations will reach out to independent consulting firms especially when they are experts in the fields of Finance, AI, Data Science, and Big Data, in addition to healthcare companies and hospital systems that may need to hire a boutique firm.  How Independent Consultants Get Noticed by Recruiting Firms Chad explains that, despite how extremely talented and experienced his clients may be, they can't always place top talent with a company. The candidate's skills must be specific in alignment with the company's demands. When reaching out to an executive search firm, focus on the information on the resume because the resume will be uploaded to the internal database which will be matched with queries. Also, Identify what you are looking for in the initial email, but Chad also recommends that applicants should continue to network. When asked about working for private equity firm's portfolio companies, Chad explains that it's advisable to approach the professionals in the private equity firm to gain a better understanding on what the firm wants to accomplish and who to contact. He offers advice on email subject headings, the type of quantifiable information that will get you noticed, and when to follow up. He also explains how consultants who have “been on the beach” for an extended “vacation” should approach firms. Timestamps: 05:42: Current State of the Job Market 19:44: The demand for independent consultants vs. demand for consulting firms 24:02 Consulting Demand in Times of Uncertainty: Transformation and Cost Containment Skill Sets  32:31 Quantifying Expertise to Secure Consulting Gigs and Hiring Former Consultants for Full-Time Jobs  34:56 Impact of Recession on Recruiting and Consulting Services  37:51 Exploring the Impact of the US Economy on Business Development and Marketing Strategies  35:18 Bracing for a Tough Year: Insights from International Search Firms  39:36 Recession Strategies and Fee Levels in the Consulting Industry 54:09 Leveraging Independent Consulting Experience for Full-Time Roles  Links: Website: https://charlesaris.com/ Unleashed is produced by Umbrex, which has a mission of connecting independent management consultants with one another, creating opportunities for members to meet, build relationships, and share lessons learned. Learn more at www.umbrex.com.  

CONSUMER 101 | THE CREDIT LAB PODCAST | SEASON 7 Tune in Tuesday starting at 6 PM ET for "The Credit Lab Podcast" with your Credit Hero Rony Francois (mrrony_credithero) as he educates you on Credit and Finance awareness.Here's your homework:Subscribe to the He Said What Network YouTube Channel (https://www.youtube.com/c/hesaidwhatnetwork) Watch this episode & Share the link with a few friendsComment what you feel was most helpfulFollow Us on Instagram @ https://www.Instagram.com/HeSaidWhatNetwork & Facebook https://www.Facebook.com/HeSaidWhatNetworkThe He Said What Network is always looking for amazing guests like YOU! We feel the best way to bridge the gap in communication between black men and women is organically discussing the issues at hand. For more HSWN entertainment, subscribe to us on Apple Podcasts or wherever you listen to podcasts.He Said What Network

Are you living the life that you were created to live? I explore.  People have harbored unfounded real estate fears for years. Here they were: 2012: Shadow inventory 2013: Boomers downsizing 2014: Rates spike 2015: PMI recession 2016: Vacant units 2017: Home prices above pre-GFC peak 2018: 5% mortgage rates 2019: Recession? 2020: Pandemic 2021: Forbearance crisis 2022: Rising rates 2023: Recession US houses prices are heading up this spring. The latest FHFA's Monthly Housing Report shows 4% national home price appreciation. We explore apartment reputation scores. This is a great proxy for what's happened in housing the past three years. As an investor, you have a low “loss to purchase” with your tenants. It's difficult for them to buy their first home. I discuss 12 Ways that you can raise the rent and increase the value of your property. Resources mentioned: Show Notes: www.GetRichEducation.com/449 Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Find cash-flowing Jacksonville property at: www.JWBrealestate.com/GRE Invest with Freedom Family Investments. You get paid first: Text ‘FAMILY' to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  Top Properties & Providers: GREmarketplace.com Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free—text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold Credit to BiggerPockets.com   Welcome to GRE! I'm your host, Keith Weinhold. We get clear together - Are you truly living the life that you were created to live?   A housing market update with some perspective that can totally shift your real estate thought paradigm.    Then, 12 Actionable Ways that you can raise the rent and add value to your property. Today, on Get Rich Education.   Welcome to GRE! From Johannesburg, South Africa to Harrisburg, Pennsylvania and across 188 nations worldwide, I'm Keith Weinhold and this is Get Rich Education.   Last night, people were losing sleep over money. At the same time, last night, you made money… as you slept.   Are you living the life that you were created to live?   Your big ideas, your grandiose hopes and ambitions that you promised yourself that you would follow through on someday… have they turned into fears?   Even ones that you had as a child - like to be an astronaut or a firefighter. Today, it might simply be that you would have quit your soul-sucking job by now.   Maslow's Hierarchy of Needs - how many are you fulfilling? All five? There are five levels. The base level are your… What are you doing to be the most that you can be?    With financial freedom, you can control your time and have a chance at living the life that you were created to live.   How do most people think of financial betterment? In a faulty way, like…   If you get your hair cut at home and brew your own coffee at home, you figure you could save 6 bucks a day.   Hey, Men's Fast-Pitch Softball at the Moose Lodge is still free. Oh geez. So that's why it's your entertainment?   You could save a whopping $80 on flight tickets by adding an extra layover on your trip itinerary.   Or… it's buy-one-get-one free week on Hillshire Farm brand bacon at the supermarket.   Alright, how do you know that all those things right there don't move the meter in your life? It's because, ask:   How many times would you have to do that activity - like add an unnecessary flight layover - in order to acquire wealth?    None. It doesn't apply. You could practically do that an INFINITE number of times and you wouldn't acquire wealth to create the time to live the life you want.   But how many times would you need to add a flight layover in order to make you MISERABLE? There IS a number. There is a certain number.   Doing those trivial things only helps ensure that you stay at a soul-sucking job.   Because rather than taking your time - a zero-sum game - rather than HAVING your time engaged in expansionary activities, you were focused on contracting.    You were focused on where there's a low upside rather than activities that have an upside with no ceiling.   Another way to ask if the activity is expansionary and moving you toward financial freedom is: Did you overcome FEAR in fulfilling that task?   Yes, it's an inconvenient truth that facing & overcoming fear is what makes you grow.   Did you overcome fear when you brewed coffee at home or got some stupid discount on grocery store bacon?   What are the activities you do that move you toward financial freedom - not debt-freedom - but financial freedom & overcome fear & grow.   That's an activity like:   Making your first home a fourplex with an FHA loan… or repositioning your dead equity, like Caeli Ridge & I discussed here two weeks ago… or buying an income property across state lines… or learning how to become a savvy private lender… or finding out how to become an accredited investor.   Are you living the life that you were created to live?   Now you've got some examples, some milestones, and some checkpoints so that you'll know if you're either on the right trajectory - or hopefully - if you've been listening here long enough… you're living that life… now.   Why would you live one more day of your life “below your means” than what's absolutely necessary. That should only be a short-term life mode.   Don't live below your means, grow your means.   Live the life that you were created to live.   But the major media channels stir up so much fear - and even niche ones - that it can often paralyze, even some clear thinkers.   Despite the fact that today's real estate appreciation rates are quite normalized and modestly growing, some people still have unfounded fear over real estate.   And non-doers are always trying to time the market… and timing the market doesn't work.    Here's what fearful permabears are concerned about. It's always something in real estate.    In 2012, it was “Shadow inventory”. Remember that? Never came to pass, just like most of this stuff.   In 2013, the fear was Boomers are downsizing   In 2014: Rates spike   In 2015, it was a PMI recession   In 2016, it was vacant units. Ha! A terrible miss.   In 2017, it was, look, nominal home prices are above the pre-GFC peak. Yeah, so what? They should be.   In 2018, it was 5% mortgage rates. That was the fear.   In 2019, I actually don't remember what the fear was that year. That was a fairly uniform year but people stirred up fear about something in order to get clicks. Call it a recession.   In 2020, it was the pandemic   In 2021, it was fear of a forbearance crisis.   In 2022, the fear was rising mortgage rates will cause a housing price crash and there's a collapse in sales volume.   In 2023, what's the fear? Are we back to recession fears again?    Gosh, people have been steadily forecasting that for 12-18 months now, it still isn't here, and it still isn't on the horizon either, as job growth numbers keep beating expectations.    If you're waiting to invest in the most proven investment of all-time - real estate, or even something else like gold or bitcoin or stocks - if you're waiting until the uncertainty dissipates, then you'll never be investing again for the rest of your life.   About the only certain thing in the investing world is persistent inflation and the fact that people are going to need a good place to live.   I invest in the certainties, not get paralyzed with uncertainty.   This way, we don't get too caught up in the latest investing fad, often like stock investors do.    In 2017, it was anything around “blockchain.” In 2021, it was the “metaverse.” In 2023, “AI” is the term that's instigated a Pavlovian response from investors salivating over the potential hundreds of billions in value that could be unlocked by the new technology… until that gets oversold. There IS some opportunity in some of those things, but as soon as people lose money in them, they revert back to principles. In a lot of ways, we stick to principles here, even if some of them are countercultural principles - like FF beats DF. Keep your debt & get more of it. More debt means you own more RE.   US house prices have stabilized and are heading up. They've gone from modest declines or steady prices… to modest growth in most regions.   That's the summary from my latest "light reading" duty—FHFA's Monthly Housing Report. It's released every month.   Some highlights from the latest one, all stats through February, and with nominal pricing… Every division east of the Mississippi is up 5% to 8% annually The Pacific division, which was hurt most, saw a 3% decline National home prices are up 4% And this index covers 400+ American cities Spring numbers will be factored in soon. Since it's property-buying season, appreciation rates will likely rise.   Like I've stated before and am becoming really somewhat known for talking about in the industry. In fact, just last week, I was in Arizona and shared this on Ken McElroy's show - the housing crash is a 100% certainty. That's because it already happened.    It was a housing supply crash three years ago, which prevented a price crash.   So then, let's look at some of the best appreciating markets in the US here, just the quick, Top 10.    And notice how widespread the national HPA is. It really just excludes the western third or western quarter of US states.   The market with the 10th most appreciation - and this is all YOY, through Q1 per the NAR:   Santa Fe, NM up 12% 9th is Hickory-Morganton, NC up 12% 8th is Appleton, WI up 12-and-a-half per cent 7th? Milwaukee-Waukesha-West Allis, WI. Up 14%. I'm doing some rounding here. 6th is Oklahoma City, up 15% Elmira, NY - hey I grew up near there - is up 15%. That's 5th.   4th is Burlington, NC up 15% YOY 3rd is Warner-Robins, GA, up 16%  2nd is Oshkosh-Neenah, WI at 17% #1 in the nation is… the Kingsport-Bristol area, which spans Virginia & Tennessee. Up 19%   I'm going to discuss apartments in a minute. But they are the 10 US areas with the largest single-family home price increase annually.   In the Information Age, a bad reputation will follow you around like your cat, internet tracking cookies, and a song that you can't get out of your head.   Apartment reputation scores are a broad measure of renter satisfaction.   It's amazing to see how closely they track the macro trends that impact tenants and property managers (PMs).   What I'm referencing here is J Turner Research's Online Reputation Assessment scores from today, and going back to March 2020.   This is a very telling pattern here.   Spring - Summer 2020: COVID descends. Lockdowns are here. Reputation scores plummet. PMs struggle to rapidly adjust to a new era where renters live and work inside their units 24/7. Everyone started using Zoom. Maintenance techs could rarely even go inside units for repairs.   Entropy ran rampant. Parents didn't know what to do with their children. Fear reigned. Common spaces closed. Neither tenants nor PMs were happy.   Then, in the…   Fall 2020 - Summer 2021: This was the boom period for apartments. PMs have solved for the new era, adopting new technologies and new strategies. They also re-open amenity spaces and in-unit maintenance.    Hey, foosball in the clubhouse is back. Apartment demand surges, and reputation scores go back up.   Late 2021: Apartment occupancy rates hit record highs. PMs again wrestle with on-site staffing shortages. Could ultra-low vacancy and still-robust leasing traffic put so much strain on property managers that reputation scores start to drop again?   Nope! Because in…   Early 2022: Reputation scores climb back up to new highs again. PMs once again adjust to the rapidly evolving climate, many leaning on early-to-mid phase adoption of centralization tech and management practices.   Mid - Late 2022: Apartment reputation scores inch back again. That's when consumers saw peak inflation—including renewal rent increases.    At the same time, demand (for all housing types, not just apartments) slowed down and you didn't see the high rent growth that you had. This puts more strain on PMs.   Inflation hit everyone, with big price hikes in property insurance, taxes, maintenance, turnover, labor, and utilities.   Early 2023: Apartment reputation scores are on the rise again, hitting new highs. Consumer inflation is cooling, while vacancy rates and leasing traffic return to more normal levels.   Some semblance of normalcy has finally returned.   At the same time, new tech adopted in the pandemic era proves to have long-term benefits to both tenants and managers.   In recent years, PMs have focused on resident satisfaction, so it's no coincidence that reputation scores keep improving.   Now today, as an investor, changes are that you have a low LOSS TO PURCHASE.   What's a “loss to purchase”. Your tenants are leaving to go buy something very often.    You, as an investor in either single-family rentals or condos or apartments - you can retain residents right now because it's so hard for them to go off and buy their own starter home.   Why's that? Well, it's not just the higher mortgage rates. It's that fact coupled with the fact that credit availability is still tough.    As you know, you need to have a lot of good documentation & income & assets to get a loan. That keeps your rent-paying tenant in place.   In 2005, we were in the opposite condition. Back then, tenants fled my units. I had a hard time retaining tenants in 2005. Why?    Because it was so easy to get a loan, you could just lie about everything on a mortgage application and no one even checked the accuracy. Bloated appraisal values even came flying in.   That's why my rental property tenants kept leaving. It seems like it was always to buy a first-time condo back in 2005.   Today, you can retain tenants. That's your upside of today's harder housing affordability and stringent lending requirements.    So, in this normalizing housing era where tenants have to live in your rental unit longer - because they have no alternative - you can find the properties most conducive to this strategy where thousands of other have created a quick account - at our marketplace: GREmarketplace.com   It's not like a big box store. It's more like an organic farmer's market. That's where the good stuff is. So, check back often for new inventory at GREmarketplace.com   You're listening to Episode 449 of the GRE Podcast… and of those 449, I think that two of them were quite good!   Haha!   Coming up shortly, 12 ways for you to raise rent and add value to your property.   If you get value from the show, please tell a friend about the show. I'd really appreciate it. Share it on your social media.   More straight ahead. I'm Keith Weinhold. You're listening to Get Rich Education.  

Consumers keep piling on the debt and now it's at a new recovery level as the major retailers get set to report this week. How worried should investors be that the spending spigot is about to get turned off?  Fast Money Disclaimer 

The past few years have proved tumultuous both for American consumers and for retailers selling to them. The end result is a curious slump for middle-of-the-road brands. Artificial intelligence like ChatGPT stands to disrupt everything from art to coding; we self-interestedly explore probable effects on journalism. And remembering Ranajit Guha, a historian who saw a different India by looking bottom-up. Take our listener survey at www.economist.com/intelligencesurveyAnd for full access to print, digital and audio editions of The Economist, try a free 30-day digital subscription by going to www.economist.com/intelligenceoffer Hosted on Acast. See acast.com/privacy for more information.

The past few years have proved tumultuous both for American consumers and for retailers selling to them. The end result is a curious slump for middle-of-the-road brands. Artificial intelligence like ChatGPT stands to disrupt everything from art to coding; we self-interestedly explore probable effects on journalism. And remembering Ranajit Guha, a historian who saw a different India by looking bottom-up. Take our listener survey at www.economist.com/intelligencesurveyAnd for full access to print, digital and audio editions of The Economist, try a free 30-day digital subscription by going to www.economist.com/intelligenceoffer Hosted on Acast. See acast.com/privacy for more information.

UK profit-led inflation is coming under political scrutiny—Parliament is to investigate the influence of food producers and supermarkets on food price inflation. Profit-led inflation tends to occur at the end of supply chains, when companies with strong brands get consumers to accept price increases by disguising margin expansion with a convincing story. Consumer outrage (and associated political focus) is one way to combat this.

The consumer financial services industry has become the target of increasing regulatory scrutiny under antitrust laws as well as class action antitrust litigation that challenges industry practices on the grounds that they undermine competition. We first provide an overview of the federal antitrust laws, discuss the Biden Administration's focus on competition, and the wide remedies available under antitrust laws. We then look at how the current FTC, DOJ, and CFPB leadership are attempting to expand the use of antitrust laws through their enforcement authority and how the agencies' antitrust focus informs private litigation. We also look at the special antitrust issues presented by fintech companies and the FTC's efforts to use antitrust laws to challenge data aggregation and data use as anticompetitive practices. We conclude with a discussion of steps companies can take to reduce antitrust risk, including through internal policing and consultation with antitrust counsel in connection with the development of new products and services, the significance for the consumer financial services industry of the FTC's expanded use of Section 5 to target anticompetitive practices, and the role of state antitrust laws. Alan Kaplinsky, Senior Counsel in Ballard Spahr's Consumer Financial Services Group, leads the conversation, joined by Ed Rogers, a partner in the firm's Litigation Group, and Erin Fischer, an associate in the Litigation Group.

The Biden administration is targeting power-plant emissions in a new climate initiative. A U.S. survey finds workers are happier than they have been in decades. Keith Collins hosts. Learn more about your ad choices. Visit megaphone.fm/adchoices

KFI Anchor, Host and Business Expert Jason Middleton is back for MACRO! Consumer prices in April rise is slowest in 2 yrs-Gen Z works multiple jobs-Don't buy gift cards from the rack at the store-Dow Jones FallsThen, Mo Kelly comes on for Musings with Mo! He and Bill talk about:- MTV News shuts down- Gaurdians of the Galaxy people are triggered by animal abuse- Showrunners might have to cross the picket line

Amy DePaoli is Director of Marketing at honeygrow. Amy studied marketing at Providence College and has worked for companies like Pet Value and Victory. She worked for an ad agency as well, which she recommends for anyone in a marketing career. Since April of 2022, she has been Director of Marketing for honeygrow, which has grown to 32 locations. Unstoppables! Please consider taking this survey about our listener demographics so that we can better determine how to best serve our listeners. Less than 10 simple questions. Here is the link: CLICK HERE Show notes… Calls to ACTION!!! Join Restaurant Unstoppable Network and get your first 30 days on me!  Connect with my past guest and a community of superfans. Subscribe to the Restaurant Unstoppable YouTube Channel Join the private Unstoppable Facebook Group Join the email list! (Scroll Down to get the Vendor List!) Favorite success quote/mantra: "One team, one dream." In this episode with Amy DePaoli we will discuss: Consumer behavior All things marketing Today's sponsor: Ovation - Do you want real-time feedback from your guests instead of 1-star reviews? Ovation uses a 2-question, SMS-based survey, and frictionless integrations with online ordering platforms and other tools to enable restaurants to easily resolve guest concerns in real-time, get more 5-star reviews, discover insights to improve, and drive revenue. Unstoppable listeners who sign up will get$100 off their set-up fee! Visit ovationup.com/unstoppable to learn more. 1Huddle - 1Huddle is a coaching and development platform using quick-burst mobile games to more quickly and effectively level up and fire up your workforce. With a mobile-first approach to preparing the modern worker, a library of 3,000+ quick-burst skill games, and the option to instantly create personalized content – 1Huddle is changing the way restaurants develop their workers by transforming traditional manuals and videos into deceptively simple, highly effective mobile games proven to level up workers quickly. Key clients include Loews Hotels, Novartis, Madison Square Garden, Yum, FB Society, Hakkasan, TAO Group, and the Dog Haus. Restaurant Systems Pro - Join the 60-day Restaurant Systems Pro FREE TRAINING. This is something that has never been done before. This 60-day event is at no cost to you, but it is not for everyone. Fred Langley, CEO of Restaurant Systems Pro, will lead a group of restaurateurs through the Restaurant Systems Pro software and set up the systems for your restaurant. During the 60 days, Fred will walk you through the Restaurant Systems Pro Process and help you crush the following goals: Recipe Costing Cards; Guidance in your books for accounting; Cash controls; Sales Forecasting(With Accuracy); Checklists; Budgeting for the entire year; Scheduling for profit; More butts in seats and more… Click Here to learn more. Knowledge bombs Which “it factor” habit, trait, or characteristic you believe most contributes to your success? Drive What is your biggest weakness? Distractions What's one thing you ask or look for when interviewing/growing your team? Personality What's a current challenge? How are you dealing with it? Managing an enormous amount of projects of equal weight Share one code of conduct or behavior you teach your team. Charity What is one uncommon standard of service you teach your staff? Treating every guest like an individual What's one book we must read to become a better person or restaurant owner? Why We Buy by Paco Underhill GET THIS BOOK FOR FREE AT AUDIBLE.COM  What's one piece of technology you've adopted within your restaurant walls and how has it influence operations? Punchh loyalty program What is one thing you feel restaurateurs don't do well enough or often enough? Be in the restaurants and experience what your staff experiences If you got the news that you'd be leaving this world tomorrow and all memories of you, your work, and your restaurants would be lost with your departure with the exception of 3 pieces of wisdom you could leave behind for the good of humanity, what would they be? Work to live, don't live to work Never go to bed in an argument always let people know how appreciated they are Contact: Email: adepaoli@honeygrow.com Thanks for listening! Thanks so much for joining today! Have some feedback you'd like to share? Leave a note in the comment section below! If you enjoyed this episode, please share it using the social media buttons you see at the top of the post. Also, please leave an honest review for the Restaurant Unstoppable Podcast on iTunes! Ratings and reviews are extremely helpful and greatly appreciated! They do matter in the rankings of the show, and I read each and every one of them. And finally, don't forget to subscribe to the show on iTunes to get automatic updates. Huge thanks to Amy DePaoli for joining me for another awesome episode. Until next time! Restaurant Unstoppable is a free podcast. One of the ways I'm able to make it free is by earning a commission when sharing certain products with you. I've made it a core value to only share tools, resources, and services my guest mentors have recommend, first. If you're finding value in my podcast, please use my links!

For hospitals and health systems, many of us strive to continuously add value to the customer experience. But are we “consumer obsessed?” In this episode, hosts Reed Smith and Chris Boyer discuss the concept of being consumer-obsessed, how organizations can begin aligning around the customer to help empower loyalty and growth and the critical role that CX plays in supporting these efforts.  Mentions from the Show: What does it mean to be customer-obsessed? Align Around Your Customers To Power Growth In Today's Economic Climate What is CX? Touchpoint podcast Twitter Reed Smith Twitter Chris Boyer Twitter Chris Boyer website Learn more about your ad choices. Visit megaphone.fm/adchoices

On today's MJ Morning Show: Where can't you bring large amounts of Fruit Roll-ups? Morons in the news MJ's garage spring story Door Dash driver in Villages arrested The rescued bird! The latest tipping trend to drive people crazy Britney Spears autobiography Jessica Simpson bought this for her kid Roxanne cheated! She cooked this! Consumer alert: Scam Massage gun causing fires Jerry Spring update Golf cart worth $20,000 Home Depot price change scam Meteorite crashed through roof Mel's Hot Dogs news

Consumer price hikes cooled off slightly in April. Listen for more details.To learn more about how CNN protects listener privacy, visit cnn.com/privacy

My guest this week is Fidji Simo, the CEO of Instacart. Fidji grew up in a small town in the South of France and was the first person in her family to graduate from high school. Since then, she has had a dazzling career with stops at France's leading university, eBay, and Facebook. Fidji spent the better part of a decade at Facebook where she led the Facebook App before joining the online grocery platform, Instacart, in mid 2021. We talk about Fidji's consumer product experiences, Instacart's role within the grocery ecosystem, and delve into her personal philosophy on leadership. Please enjoy this wide-ranging discussion with Fidji Simo. Apply for the Investigative Research Analyst position at Positive Sum. Listen to Founders Podcast Founders Episode 136 - Estee Lauder Founders Episode 288 - Ralph Lauren For the full show notes, transcript, and links to mentioned content, check out the episode page here. ----- This episode is brought to you by Tegus, the modern research platform for leading investors. Stretch your research budget with flexible expert calls you can trust. At a fraction of the cost of traditional expert networks, Tegus customers pay only what an expert charges – with zero markups and no confusing call credits – netting an average 70% savings. Don't want to conduct a full hour call? Tegus offers the ability to schedule 30-minutes, an offer you won't find anywhere else. And they don't stop there. With white-glove custom sourcing for every project and robust compliance measures, including a dedicated 50+ analyst team that vets every call transcript, Tegus ensures your privacy and protection. As the industry innovator for qualitative insights, Tegus helps you find the right experts you need at a quality and speed that can't be matched. For a limited time, as a listener, you can trial Tegus for free by visiting tegus.co/patrick. ----- Invest Like the Best is a property of Colossus, LLC. For more episodes of Invest Like the Best, visit joincolossus.com/episodes.  Stay up to date on all our podcasts by signing up to Colossus Weekly, our quick dive every Sunday highlighting the top business and investing concepts from our podcasts and the best of what we read that week. Sign up here. Follow us on Twitter: @patrick_oshag | @JoinColossus Show Notes (00:03:51) - (First question) - Comparing her experiences with Facebook and Instacart (00:06:22) - The dimensionality of creating great consumer products online (00:07:50) - How Instacart uses AI now and her advice to other companies who are ready to incorporate AI into their business (00:15:41) - What being a pragmatic technologist means to her (00:18:02) - Influences in younger years that led to her career path in technology (00:21:00) - The landscape Instacart seeks to build and how major key players within the industry are involved (00:27:09) - Data algorithms and their role in helping consumers (00:29:24) - Scale around the original core business (00:32:12) - The functional difference between Instacart shoppers and delivery drivers  (00:34:59) - Issues with fully automated grocery store facilities (00:37:32) - Insight into working with brands and consumer brand loyalty  (00:43:16) - Her vision for the future of Instacart (00:49:34) - Her principles for capital allocation (00:52:34) - Common misperceptions about Instacart from prospective investors (00:54:21) - Her philosophy of seeing the magic in team members (00:56:46) - Expanding knowledge while managing a complex business environment   (01:01:01) - When she felt the most helpless in her career (01:03:46) - Insight into generative AI and how it could shape the online grocery experience (01:08:00) - The role of content and its importance for businesses like Instacart (01:12:35) - The kindest thing anyone has ever done for her

Seismic moral shifts fly under the radar at Charles' coronation; Missouri's Attorney General defends a rule to classify transgender treatments as consumer fraud; and what it takes to help foster parents through difficult seasons. Plus, brain surgery in the womb, commentary from Whitney Williams, and the Tuesday morning newsSupport The World and Everything in It today at wng.org/donate.Additional support comes from Dordt University. Dordt's Master of Public Administration program provides training in areas like leadership and policy analysis. More at Dordt.edu/MPA

Ryan is joined by two-time venture-backed entrepreneur and AI enthusiast Suman Kanuganti. Suman was also recently awarded Forbes 40 under 40 and is the co-founder of Personal AI. Personal AI is a unique and personal AI model to aid and communicate with one another. Suman talks to Ryan all about his vision for the company including why he chose the b2c market and to be venture-backed as well as the value he sees it bringing to everyday consumers now and in the future. KEY TAKEAWAYS Personal AI is a consumer-based product messaging app that learns whilst you communicate. Educating consumers about AI is something Suman sees as Personal AI's responsibility as well as serving as a go-to-market strategy. We all have limited time anything that can save us time in communication can aid our relationships, this is Personal's AI mission. Suman opted for funding due to the complex development that would be needed for his concept to function. Suman sees the ai that is created from your communication through Personal AI as not even benefitting your future self but also those around you and potentially, even after you are gone. BEST MOMENTS “We are about to serve everyday consumers” “That education itself is a go-to-market strategy” “It's super simple and easy to understand” “This is about investing in yourself” Do You Want The Closing Secrets That Helped Close Over $125 Million in New Business for Free?"  Grab them HERE: https://www.whalesellingsystem.com/closingsecrets Ryan Staley Founder and CEO Whale Boss 312-848-7443 ryan@whalesellingsystem.com www.ryanstaley.io  EPISODE RESOURCES ABOUT THE SHOW How do you grow like a VC-backed company without taking on investors? Do you want to create a lifestyle business, a performance business or an empire? How do you scale to an exit without losing your freedom?Join the host Ryan Staley every Monday and Wednesday for conversations with the brightest and best Founders, CEO and Entrepreneurs to crack the code on repeatable revenue growth, leadership, lifestyle freedom and mindset.This show has featured Startup and Billion Dollar Founders, Best Selling Authors, and the World's Top Sales and Marketing Experts like Terry Jones (Founder of Travelocity and Chairman of Kayak), Andrew Gazdecki (Founder of Micro Acquire), Harpal Sambhi (Founder of Magical with a previous exit to Linkedin) and many more. This is where Scaling and Sales are made simple in 25 minutes or less.Saas, Saas growth, Scale, Business Growth, B2b Saas, Saas Sales, Enterprise Saas, Business growth strategy, founder, ceo: https://www.whalesellingsystem.com/closingsecretsSee omnystudio.com/listener for privacy information.

David Tisch of Box Group joins Nick to discuss Why Optimizing for Ownership is a Trap, The Future of Seed Investing, and The Opportunity in Consumer Social. In this episode we cover: Dealing with decisions that feel like tweener. Over-rotating on short-term fake signals. What is their portfolio construction philosophy? Regretting not investing in the right companies. Where do you think prices will go in 2020? Differences between social media and venture capital. The opportunity to capture the hearts and minds of consumers.

https://bigbizshow.com/Real business talk for the rest of us.Meet two very funny guys who happen to be in the business of personal finance and investing with an unmatched ability to deliver bar room style conversation with a business flair. Seen AND heard weekdays on NETWORK TELEVISION: We are on HD television in 100 million homes on the YouTOO America Television Network, BizTelevision Network via Time Warner Cable, ATT U-verse and Cox Communications among others and an additional distribution on TIVO homes. Moreover, Sully is a weekly contributor on the FOX Business Network.

Is it truly better to give than to receive?Consumerism is at the very core of our nature as human beings. Many of us approach the church as consumers as well, when God intends for us to be contributors.We can all grow our capacity to contribute by looking for opportunities to “do good” every day. What if we began to view our cities, neighborhoods, and communities not just as places to live, but as places where we have been sent?______________________________________________________________________________________________To support this ministry and help us continue our God given mission, click here: http://bit.ly/2NZkdrC Support the show

Consumer resilient but gradually slowing The Bank of America Institute joins for a discussion on the many data sources they examine, sources that offer a multi-dimensional look at the consumer. Data suggests the US consumer has weakened somewhat since the start of the year, with household spending growth falling to the lowest level since February 2021. Some of the weakness is likely temporary and follows what was a very strong start to the year, and it's noteworthy that total payments, which goes beyond credit and debit card spending, are stronger than card spending. We also discuss regional differences in job growth, how spending in the Midwest has held up better than elsewhere and offer reasons why female labor participation continues to lag. You may also enjoy listening to the Merrill Perspectives podcast, featuring conversations on the big stories, news and trends affecting your everyday financial life.   "Bank of America" and “BofA Securities” are the marketing names for the global banking businesses and global markets businesses (which includes BofA Global Research) of Bank of America Corporation. Lending, derivatives, and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., Member FDIC. Securities, trading, research, strategic advisory, and other investment banking and markets activities are performed globally by affiliates of Bank of America Corporation, including, in the United States, BofA Securities, Inc. a registered broker-dealer and Member of FINRA and SIPC, and, in other jurisdictions, by locally registered entities. ©2023 Bank of America Corporation. All rights reserved.

In this podcast, Melissa Abbott, VP of Syndicated Studies, interviews the CEO of Wheyward Spirit, Emily Darchuk. Join Melissa and Emily as they discuss an innovative approach to spirits production that utilizes surplus whey in our food system. Consumer demands for more sustainable options and purposeful beverage consumption experiences are behind this specialty spirit. Topics like upcycling and consumers' desires for experimentation in modern beverage culture are covered during this engaging conversation.Click here for information about Hartman Group's Modern Beverage Culture 2023 syndicated research. 

https://bigbizshow.com/Real business talk for the rest of us.Meet two very funny guys who happen to be in the business of personal finance and investing with an unmatched ability to deliver bar room style conversation with a business flair. Seen AND heard weekdays on NETWORK TELEVISION: We are on HD television in 100 million homes on the YouTOO America Television Network, BizTelevision Network via Time Warner Cable, ATT U-verse and Cox Communications among others and an additional distribution on TIVO homes. Moreover, Sully is a weekly contributor on the FOX Business Network.

We are joined by co-founder of Green Cheek Beer Co., Brian Rauso. Items for discussion include: History leading up to Green Cheek including Noble Ale Works. Changes Brian has noticed over the past ten years. Being the yang to Evan Price's yin. Swooping in on failed breweries. What Brian has learned from the "bubble burst." How is Direct to Consumer working out post pandemic. Green Cheek's approach to festivals and collabs. The tough competition in Orange County beer. Brad is opening a brewery! Expansion strategy. Widening the beverage offerings. And much more! And much more! You are reading this because you know you are in need of a lambic basket and you don't own one yet. Click here to purchase your very own lambic basket and support The Full Pint podcast in doing so. [LINK] Big shout out to Native Son LA. Taking over the former Modern Times Dankness Dojo, Native Son LA is open for business offering food and of course great craft beer. Stay tuned as they begin brewing out of this location. Visit their instagram to stay up to date https://instagram.com/nativesonla Please check out these resources if you are a member of the craft beer industry and need help. National Women's Law Center - https://nwlc.org/ Department of Fair Employment and Housing - https://www.dfeh.ca.gov/ Project When - https://projectwhen.org/resources/how-to-report-workplace-harassment-incidents/

Nancy Twine is the Founder and CEO of Briogeo, likely one of your favorite haircare brands. Nancy launched Briogeo in Sephora 10 years ago as the youngest African-American woman to have her brand carried at the retailer. Today, she joins Kirbie to chat about what it was like launching the haircare line after leaving a stable job on Wall Street, how different the "green" category was a decade ago, the consumer perception of Black-owned brands, and why she feels it's her responsbility to invest in upcoming Black-owned brands. Shop Nancy's episodeGlossAngelesPod.comhttps://linktr.ee/glossangelespodCALL US: 424-341-0426Shop products from our episodesJoin our FB Group: https://www.facebook.com/groups/glossangelespodcastInstagram: @glossangelspod, @kirbiejohnson, @saratanTwitter: @glossangelespod, @kirbiejohnson, @saratanEmail: glossangelespodcast@gmail.com Hosted on Acast. See acast.com/privacy for more information.

Sir Gilbert Van Kerckhove from Ghent, Belgium, has lived in China for four decades. While working in the country, he led the initiative to build Shanghai's Line 3 in the 1990s and was involved in the preparations for the 2008 Summer Olympics in Beijing. In his book Toxic Capitalism, he shares extensive knowledge on global consumerism and wastage, and how to tackle these challenges. A recipient of the highest award for foreigners in China: The Friendship Award, Van Kerckhove is also the Rotating Chairman of Foreign Expert Committee, Belt and Road International Talent. We ask him about environmental efforts in modern China and how he views his 43 years in the Middle Kingdom. Hosted on Acast. See acast.com/privacy for more information.

Rachel Buss, director of client services at Curion, takes us inside the mind of today's restaurant guest. What are the trends to watch? How can you tell if a product launch will hit it big? Buss, an experienced end-to-end qualitative and quantitative consumer researcher, covers all of it, and shares best practices to truly gauge the pulse of the foodservice consumer.

This week I talk to Tim Clover, CEO and founder of Glow, a consumer research technology company, about how ESG influences consumer choices. Comments also on that book - How to Blow Up a Pipeline - and a warning about the potential dangers of AI.

In this Real Estate News Brief for the week ending April 29th, 2023... you'll get mixed news on inflation, results for the first quarter GDP, and a rate hike in South America that you never want to see here!   Hi, I'm Kathy Fettke and this is Real Estate News for Investors. If you like our podcast, please subscribe and leave us a review.   Economic News   Let's begin our economic review with the latest inflation report. The Personal Consumption Expenditure Index for March was released on Friday and showed a tiny .1% increase in overall inflation. That brought the yearly rate down from 5.1% in February to 4.2% in March – the lowest it's been since May of last year. But unfortunately, the news wasn't as good for the PCE's core rate. When you omit prices for food and gas, the core rate rose .3%, and brought the annual rate down from 4.7% to 4.6%. As MarketWatch reports, the core rate hasn't changed much for the last five months. (1)   The PCE is the Fed's preferred inflation gauge, and will be an important factor in determining whether to hike interest rates again this week. It's generally believed that the central bank will hike rates another quarter point, but it's a delicate situation because the economy is teetering on the brink of a recession. As Bill Adams of Comerica told MarketWatch: “The Fed is stuck between raising interest rates and likely pushing the economy into a recession… or pausing and risking that inflation accelerates in a few quarters if the economy regains momentum and sticky prices stay high.”   First quarter GDP is out. It shows the economy grew at a rate of 1.1%. That's down from a GDP of 2.6% in the fourth quarter. Consumer spending has been strong, but was offset by spending cautiousness among businesses. Home construction and sales are also a drag on the GDP, thanks to higher mortgage rates. But MarketWatch says the biggest impact on the GDP was a lack of inventory growth. Business inventories were down $138 Billion. If that had not been the case, and inventory growth remained flat, the GDP would have reportedly been much higher, at 3.4%. (2)   Jobless claims reversed course this last week and fell an unexpected 16,000 to a seasonally adjusted 230,000. Economists had expected them to rise slightly. The report shows that the job market is still strong, which feeds into the Fed's concern about inflation. Continuing claims were also down 3,000 to 1.86 million. (3)   Housing demand and a lack of existing home inventory drove new home sales higher in March, despite high mortgage rates. The Commerce Department says they were up 9.6% for the month, to a seasonally adjusted annual rate of 683,000. The surge was mostly driven by new home sales in the Northeast. The median price for a home was $449,800. Chief Economist, Lisa Sturtevant, at Bright MLS, says that about one in three homes for sale are new builds. Historically, it's more like one in 10. (4)   Although the sale of existing homes has been rising over the last several months, they fell in March. The National Association of Realtors says contract signings were down 5.2% for the month which is more than economists had predicted. NAR says about a third of the listings are seeing multiple bids, and 28% are selling for more than the asking price. (5)   The February report on home prices by Case Schiller shows the national index was up .2% for the month, and 2% for the year. That's the smallest increase in home price growth since 2012. (6)   Mortgage Rates   NAR says that realtors are predicting that mortgage rates will hit 6% this year, and 5.6% next year. But they aren't there yet. Freddie Mac says the average 30-year fixed rate mortgage was up 4 basis points this last week, to 6.43%. The 15-year was down 5 points to 5.71%. (7)   In other news making headlines…   Study: Home Demand Rises After Periods of High Inflation   The desire to own a home will likely increase thanks to inflation. The results of a new study by UC San Diego show that the inflation we're seeing today will have a lasting impact on the housing market, with many people buying homes to protect themselves from future price growth. The study claims to be the first of its kind to show that personal experience with inflation will lead to home ownership. (8)   One of the study co-authors says: “We think one reason people choose to buy instead of rent is because they are worried about future inflation, which may drive up both rent and house prices.” She says: “Our paper suggests that cohorts living through the current inflationary period will have a higher demand for housing for years to come.”   Huge Rate Hike in Argentina as Inflation Soars   As the American consumer worries about inflation and another rate hike when the Fed meets this week, consider this:   The Argentina central bank just hiked short-term rates 300 basis points to an annual rate of 81%! That's in response to surging inflation that hit 104% in March.   Argentine officials had hoped to cut rates this year after a difficult tightening cycle in 2022, but inflation has returned with a vengeance. Argentina has one of the world's highest inflation rates right now. JP Morgan is predicting that Argentina's inflation will hit 130% by the end of the year. (9)   That's it for today. Check the show notes for links at newsforinvestors.com. You can also join RealWealth to learn more about real estate investing by hitting the “Join for Free” button. And please remember to hit the subscribe button, and leave a review!   Thanks for listening. I'm Kathy Fettke.   Links:   1 - https://www.marketwatch.com/story/u-s-inflation-slows-again-pce-shows-2bc60ce7?mod=economy-politics   2 - https://www.marketwatch.com/story/first-quarter-gdp-climbs-at-1-1-pace-a8fac9e6?mod=economy-politics   3 - https://www.marketwatch.com/story/jobless-claims-fall-sharply-in-latest-week-395a0675?mod=economic-report   4 - https://www.marketwatch.com/story/u-s-new-home-sales-surge-9-6-in-march-as-home-buyers-turn-to-builders-c384df9d?mod=economic-report   5 - https://www.marketwatch.com/story/pending-home-sales-fall-for-the-first-time-since-november-d56869cd?mod=economic-report   6 - https://www.marketwatch.com/story/u-s-home-prices-rise-for-first-time-in-8-months-case-shiller-says-62cb2876?mod=mw_latestnews   7 - https://finance.yahoo.com/news/argentina-central-bank-hikes-interest-153626211.html   8 - https://today.ucsd.edu/story/living-through-high-inflation-increases-home-ownership   9 - https://finance.yahoo.com/news/argentina-central-bank-hikes-interest-153626211.html

Owner of Guts Racing, Andy Gregg, discusses how his dad started the seat cover company and how it grew into what it is today.

Emery Barnes is a New York City-based Brand Marketer. He's a first-generation Liberian-American and Chicago native with an untiring passion to seed culture into brands—through music, sports, and art. At 27, Emery has produced campaigns for brands such as DoorDash, Michelob ULTRA, Samsung Global, Coca-Cola, P&G, Trolli, Fisher-Price, and United Airlines, and has worked at some of the largest and most recognizable creative agencies in the world, such as Leo Burnett, Wieden+Kennedy Portland & New York, and MullenLowe. Emery's work spans from Broadcast TVC, Earned Media, Social, Digital, Print, and Experiential. Although a "brand" person on paper, he's a creative at heart. Emery is currently a Brand Supervisor in DoorDash's Creative Studio, working on the Consumer & Partnerships Businesses. Links Connect with Emery: here Connect with us: here Win a Crowbar and break into advertising: here --- Send in a voice message: https://podcasters.spotify.com/pod/show/breakenter/message Support this podcast: https://podcasters.spotify.com/pod/show/breakenter/support

This week, Pastor Bucky continues series called "Culture War" with his sermon called "Consumer or Covenant".  After his message, Pastor Bucky is joined by Pastor Ben as they answer some of your questions.Have a question about this series? Send us your questions by visiting:https://watermarkoc.com/questions/Want to learn more about Watermark?Visit: https://watermarkoc.com/We would love to start a conversation with you!

This week, Pastor Bucky continues series called "Culture War" with his sermon called "Consumer or Covenant".Want to learn more about Watermark?Visit: https://watermarkoc.com/We would love to start a conversation with you!

"The amount of consumers in America that don't consume alcohol has been relatively consistent for the last 50 years. Consumer habits are shifting, but alcohol consumption's not going away. I don't think it will out. Our hope is that consumers are making more responsible choices and that we're engaging with a whole new group of consumers." - Jason DaytonWelcome to the latest episode of our podcast, where we explore the exciting world of cannabis-infused beverages with our special guest Jason Dayton. In this episode, we delve deep into the cannabis beverage market in Minnesota and how it's changing consumer habits. The conversation revolves around the marketing and education of low-dose cannabis-infused beverages, which are becoming more widely available in various retail locations beyond just dispensaries, and emphasizes the importance of education and responsible practices in the cannabis beverage industry as we look toward legalization across states. We wrap up this episode by discussing industry standardization and transparency in dosing practices. Join us as we explore this emerging industry with Jason on this exciting episode of our podcast![00:00 - 07:08] Minnesota's Thriving Cannabis Beverage Market[07:08 - 14:12] Minnesota's Unique Approach to Cannabis Beverages[14:13 - 21:13] Analyzing the Education and Marketing of Cannabis Beverages in Minnesota's Emerging Market[21:13 - 28:30] Navigating the Co-Mingling of Alcohol and Cannabis in Minnesota[28:30 - 35:11] Cannabis Beverages and Alcohol in the Market[35:11 - 42:18] Exploring the Dosage and Occasion of Cannabis Beverages[42:18 - 49:24] Dosing and standardization of the Minnesota cannabis industry[49:24 - 53:47] Trail Magic discusses the impact of cannabis legalization on the hemp industry and their plans for growthJason Dayton is the Co-Founder at Trail Magic and Minneapolis Cider Co. Jason studied entrepreneurship and political science at the University of Minnesota in addition to studying abroad in London during his junior year. During that time abroad, he fell in love with the cider culture of the United Kingdom. Upon returning to Minnesota, he co-founded Minneapolis Cider Company as part of Entrepreneurship in Action In 2019, the company opened its 30,000 square-foot cidery in Northeast Minneapolis, featuring handcrafted food, cider, cocktails, four indoor pickleball courts, and a 7,000 square-foot private events venue. In 2022, the company launched Minnesota's first THC-Infused beverage brand, Trail Magic. Prior to the opening of the taproom, Jason also worked in the local food and beverage industry at General Mills and Target.Connect with Jason!Linked In: https://www.linkedin.com/in/jasondayton/Go to: https://drinktrailmagic.com/Shayda Torabi has been called one of the most influential Women in WordPress and now she's one of the women leading the cannabis reformation conversation building one of Texas' premier CBD brands. She's currently the CEO and Co-Founder of RESTART CBD, a female-run education first CBD wellness brand. And has formerly held marketing positions at WP Engine and WebDevStudios. Shayda is the host of a podcast for cannabis marketers called To Be Blunt, where she interviews top cannabis brands on their most successful marketing initiatives. When Shayda's not building her cannabiz in Texas, you can find her on the road exploring the best hikes and spots for vegan ice cream. Follow Shayda at @theshaydatorabi SPONSORSHIP is brought to you by Restart CBD. Check them out for your CBD nSupport the show