Podcasts about Consumer

Consumer trust is at a nine-year low, and generic coaching isn't cutting it anymore. In this episode, I'm breaking down the three critical reasons why building your signature coaching framework isn't optional---it's the difference between thriving and barely surviving as a coach. You'll discover: How the trust recession is impacting your discovery calls Why specificity beats generic messaging every time And how to escape the vanilla coach trap that's keeping you invisible. I'm sharing eye-opening statistics (only 42% of consumers trust online reviews in 2025, down from 79% in 2020) and revealing why proof of results matters more than ever. Plus, hear how Framework Builder Lab can help you create your unique process in just eight weeks, with my special bonus: personalized video feedback on your completed framework for the first 25 students who join: https://amanda-walker.com/lab/ If you've been wondering why what used to work isn't working anymore, this episode will show you exactly what to do next.

In this episode of The Brainy Business podcast, Melina Palmer revisits the powerful concept of defaults and how they can significantly influence decision-making. This refreshed episode explores the psychology behind nudges and the importance of understanding how default settings can shape consumer behavior in various industries. Melina explains the two types of defaults: true defaults, which occur when no action is taken, and implied defaults, which can be strategically framed to guide choices. Through engaging examples, such as air conditioning purchases and subscription services, listeners will discover how small adjustments to defaults can lead to substantial changes in customer behavior and improve business outcomes. As Melina prepares for her upcoming conversation with Nobel Prize-winning economist Richard Thaler, she emphasizes the ethical application of nudges and the importance of aligning defaults with customer needs. This episode is packed with actionable insights for businesses looking to implement behavioral science principles effectively. In this episode: Understand the significance of defaults in behavioral economics. Explore the difference between true defaults and implied defaults. Learn how to frame choices to influence customer decisions positively. Discover practical examples of defaults in various industries. Reflect on the ethical implications of nudging in business. Get important links, top recommended books and episodes, and a full transcript at thebrainybusiness.com/542. Looking to explore applications of behavioral economics further?  Learn With Us on our website. Subscribe to Melina's Newsletter Brainy Bites.  Let's connect: Send Us a Message Follow Melina on LinkedIn The Brainy Business on Youtube The Brainy Business on Instagram

In this episode, Emma sits down with Chris Rueckert, SVP of Commerce at Flywheel, to explore how shopper media is evolving and why it matters more than ever. Chris shares details on Flywheel's new shopper media offering, highlighting the importance of connecting data, strategy, and the in-store experience.Listen in to learn how we're helping brands bridge the gap between retail media and shopper marketing, and why a holistic, consumer-centric approach is key for driving sales. Interested in learning more about our Retail Insights AI assistant? Let's connect: https://www.flywheeldigital.com/contact-us

Lancaster County Economy, Consumer Spending Rebound, and Data Center Expansion. Jim McTague discusses how local businesses in Lancaster County, like the Pancake House and Ephrata Precision Parts, show no recession weakness and report booming business. Consumer spending appears to be rebounding, with full shopping carts and aggressive buying observed at Costco and Walmart. Construction on data centers is underway in the county, contributing to economic expansion. Wall Street bubble talk is present, but markets are not yet characterized by widespread froth. 1919

SHOW SCHEDULE 10-17-25 CBS EYE ON THE WORLD WITH JOHN BATCHELOR THE SHOW BEGINS IN THE DOUBTS ABOUT COAL-FIRED ELECTRICITY FOR THE AI DATA CENTER BUILD OUT OF 26 GIGAWATTS BY 2035... 1912 COAL BREAKER BOYS FIRST HOUR 9-915 High-Tech Coal Mining and Its Role in the Future of AI Energy. Salena Zito discusses her visit to a high-tech coal mine 1,200 feet below Pennsylvania, highlighting modern, filtered, and pristine working conditions. The industry offers high-paying, generational jobs, even for those with advanced degrees. Coal, alongside natural gas and nuclear power, is vital for providing the reliable, strong base load energy required by new AI data centers and the defense industry. 915-930 High-Tech Coal Mining and Its Role in the Future of AI Energy. Salena Zito discusses her visit to a high-tech coal mine 1,200 feet below Pennsylvania, highlighting modern, filtered, and pristine working conditions. The industry offers high-paying, generational jobs, even for those with advanced degrees. Coal, alongside natural gas and nuclear power, is vital for providing the reliable, strong base load energy required by new AI data centers and the defense industry 930-945 Supreme Court Poised to Limit Racial Gerrymandering; War Powers Debate on Venezuela. Richard Epstein discusses how the Supreme Court appears ready to limit the use of race in drawing voting districts (racial gerrymandering), reflecting a shift towards colorblind jurisprudence. However, the Court is likely to avoid restricting political gerrymandering. Separately, Professor Epstein argued the president's use of "narcoterrorism" to justify military action in Venezuela is inappropriate, noting that the War Powers Act is often circumvented. 945-1000 Supreme Court Poised to Limit Racial Gerrymandering; War Powers Debate on Venezuela. Richard Epstein discusses how the Supreme Court appears ready to limit the use of race in drawing voting districts (racial gerrymandering), reflecting a shift towards colorblind jurisprudence. However, the Court is likely to avoid restricting political gerrymandering. Separately, Professor Epstein argued the president's use of "narcoterrorism" to justify military action in Venezuela is inappropriate, noting that the War Powers Act is often circumvented. SECOND HOUR 10-1015 LA/Portland Homeless Crisis and Wildfire Preparedness Debate. Jeff Bliss discusses how California hosts at least 50% of the nation's homeless, with numbers increasing, extending from downtown LA to Malibu. Homeless encampments pose a constant wildfire threat due to warming or arson fires. Developer Rick Caruso successfully protected his Palisades property by proactively investing in brush clearance, equipment, and private fire crews, offering a model for prevention. Portland also faces a severe homeless crisis and high office vacancy. 1015-1030 Saudi Nuclear Ambitions, US Defense Pact, and the SMR Investment Bubble. Henry Sokolski discusses how Saudi Arabia is negotiating a US defense pact while pursuing uranium enrichment capability for nuclear power. The US is reportedly urging South Korea to switch a planned Saudi reactor sale to an American Westinghouse model. Separately, the Small Modular Reactor (SMR) industry is seeing enormous private valuation with zero revenue, signaling a potential financial bubble. 1030-1045 SpaceX Launch Approval, Rocket Lab, and Global Space Industry Updates. Bob Zimmerman discusses how Space Force approved SpaceX's request to double launches to 100 per year and open a second launch site at Vandenberg, despite Coastal Commission opposition. Wall Street views Rocket Lab favorably due to many recent launch contracts, even though it's still developing the Neutron rocket and not yet profitable. Impulse Space shifted focus to a lunar cargo lander, using its Helios tug as a service module, seeking to meet NASA's need for efficient lunar cargo delivery. 1045-1100 SpaceX Launch Approval, Rocket Lab, and Global Space Industry Updates. Bob Zimmerman discusses how Space Force approved SpaceX's request to double launches to 100 per year and open a second launch site at Vandenberg, despite Coastal Commission opposition. Wall Street views Rocket Lab favorably due to many recent launch contracts, even though it's still developing the Neutron rocket and not yet profitable. Impulse Space shifted focus to a lunar cargo lander, using its Helios tug as a service module, seeking to meet NASA's need for efficient lunar cargo delivery.THIRD HOUR 1100-1115 Replaceable You: Skin Grafts, Bioprinting Organs, and the Science of Replacement Anatomy. Mary Roach discusses how third-degree burns destroy regenerative cells, causing severe disfigurement unless patched with allografts (temporary substitutes like cadaver or cod skin). Researchers are attempting to 3D print organs, currently in the "Wright Brothers stage," using specialized bio-ink and support gel. Xenotransplantation involves genetically editing pigs to grow human organs (chimerism) that the body would accept without rejection. 1115-1130 Replaceable You: Skin Grafts, Bioprinting Organs, and the Science of Replacement Anatomy. Mary Roach discusses how third-degree burns destroy regenerative cells, causing severe disfigurement unless patched with allografts (temporary substitutes like cadaver or cod skin). Researchers are attempting to 3D print organs, currently in the "Wright Brothers stage," using specialized bio-ink and support gel. Xenotransplantation involves genetically editing pigs to grow human organs (chimerism) that the body would accept without rejection. 1130-1145 Replaceable You: Skin Grafts, Bioprinting Organs, and the Science of Replacement Anatomy. Mary Roach discusses how third-degree burns destroy regenerative cells, causing severe disfigurement unless patched with allografts (temporary substitutes like cadaver or cod skin). Researchers are attempting to 3D print organs, currently in the "Wright Brothers stage," using specialized bio-ink and support gel. Xenotransplantation involves genetically editing pigs to grow human organs (chimerism) that the body would accept without rejection. 1145-1200 Replaceable You: Skin Grafts, Bioprinting Organs, and the Science of Replacement Anatomy. Mary Roach discusses how third-degree burns destroy regenerative cells, causing severe disfigurement unless patched with allografts (temporary substitutes like cadaver or cod skin). Researchers are attempting to 3D print organs, currently in the "Wright Brothers stage," using specialized bio-ink and support gel. Xenotransplantation involves genetically editing pigs to grow human organs (chimerism) that the body would accept without rejection. FOURTH HOUR 12-1215 Lancaster County Economy, Consumer Spending Rebound, and Data Center Expansion. Jim McTague discusses how local businesses in Lancaster County, like the Pancake House and Ephrata Precision Parts, show no recession weakness and report booming business. Consumer spending appears to be rebounding, with full shopping carts and aggressive buying observed at Costco and Walmart. Construction on data centers is underway in the county, contributing to economic expansion. Wall Street bubble talk is present, but markets are not yet characterized by widespread froth. 1215-1230 Italian Politics, Journalist Attack, and the History of St. Augustine in Pavia. Lorenzo Fiori discusses how Italian Prime Minister Giorgia Meloni was rudely defined as a "courtesan" by a prominent union leader following her diplomatic presence at the Gaza ceasefire signing. Journalist Ranucci, known for investigating politics and mafia-related business, survived a car bomb attack; he has been under guard since 2021. St. Augustine's remains are located in Pavia (south of Milan), moved there due to the LoMBARDY'S king's connection to Milan's Saint Ambrose. 1230-1245 Corporatism vs. Capitalism: Analyzing Rent-Seeking and Regulatory Capture. Julia Cartwright discusses how younger generations often confuse corporatism (entangled government and business) with true capitalism. Rent-seeking involves businesses investing in politics for favors, like healthcare industry lobbying for subsidies. Rent extraction is when politicians threaten costly action to force business compliance (e.g., CAFE standards or tariffs). Solutions include sunsetting subsidies and banning sole-source government procurement. 1245-100 AM Corporatism vs. Capitalism: Analyzing Rent-Seeking and Regulatory Capture. Julia Cartwright discusses how younger generations often confuse corporatism (entangled government and business) with true capitalism. Rent-seeking involves businesses investing in politics for favors, like healthcare industry lobbying for subsidies. Rent extraction is when politicians threaten costly action to force business compliance (e.g., CAFE standards or tariffs). Solutions include sunsetting subsidies and banning sole-source government procurement.

A judge temporarily blocks the Trump administration from laying off thousands of federal workers amid the government shutdown. Also, President Trump warns that more American cities could see a surge in federal law enforcement. Plus, Britney Spears responds to new claims about her behavior from ex-husband Kevin Federline. And, Thanksgiving may still be six weeks away, but some major retailers are already rolling out holiday deals. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Consumer rewards are entering a new era as technology transforms how people connect with the brands they love. Fetch Founder and CEO Wes Schroll has led that evolution, turning everyday receipts into meaningful rewards for millions of users. He joins Inside the ICE House to share how Fetch is using AI to deepen brand relationships, personalize experiences, and empower consumers through data-driven insights. Schroll discusses the company's growth from startup to category leader, highlighted by a new partnership with American Express that expands Fetch's reach and value for users.

HSBC's Jose Rasco breaks down today's market action. Interactive Brokers Chairman Thomas Petterfy discusses his company's latest quarter and why consumers are at record-high levels of margin loans on his platform. Bank of America senior economist Stephen Juneau talks consumer insights from his latest credit card data as government data continues to be in a blackout during the shutdown. Our Alex Sherman on what Apple's Eddie Cue told him about the tech giant's live sports strategy. Plus, OutcomesAI founder Kuldeep Singh Rajput discusses anxiety around AI's impact on the labor market—and what jobs will stick around. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This week's guest is Dean Leitersdorf, CEO of Decart. Decart is a vertically integrated AI research lab building some of the world's most advanced audio and video models, including Mirage, a real-time generative video system where users can transform themselves or their environments instantly.We dive into Dean's path from finishing his PhD in computer science at 21 to founding Decart with the ambition of creating a true “before-and-after” company in AI. We cover how Decart evolved from GPU optimization to leading-edge video models, why Mirage has attracted massive adoption in advertising and ecommerce, and what it means to build entirely new consumer experiences on the internet. We also discuss the broader enterprise interest in real-time video, how Decart balances continuous consumer iteration with lab-first research, and why Dean believes this is one of the few moments in history where founders can truly build trillion-dollar businesses.Episode Chapters: 2:10 — From Israel to Palo Alto4:22 — What Dean is running toward6:15 — Building for the future of AI9:40 — How people use Decart14:05 — Building a model from scratch19:08 — Who adopts these models first24:05 — Decart's focus areas27:06 — Attracting world-class talent30:00 — Choosing to integrate or partner34:04 — Thinking about consumer impact39:38 — Quick fire roundThis episode is brought to you by Grata, the world's leading deal sourcing platform. Our AI-powered search, investment-grade data, and intuitive workflows give you the edge needed to find and win deals in your industry. Visit grata.com to schedule a demo today.Fresh out of Y Combinator's Summer batch, Overlap is an AI-driven app that uses LLMs to curate the best moments from podcast episodes. Imagine having a smart assistant who reads through every podcast transcript, finds the best parts or parts most relevant to your search, and strings them together to form a new curated stream of content - that is what Overlap does. Podcasts are an exponentially growing source of unique information. Make use of it! Check out Overlap 2.0 on the App Store today.

Welcome to Nerd Alert, a series of special episodes bridging the gap between marketing academia and practitioners. We're breaking down highly involved, complex research into plain language and takeaways any marketer can use.In this episode, Elena and Rob explore how lifestyle brands compete for limited consumer self-expression. Once people express themselves through one brand, their appetite for additional identity-driven brands declines.Topics covered:   [01:00] "Competing for Consumer Identity Limits to Self-Expression and the Perils of Lifestyle Branding"[02:00] Identity saturation and its effect on brand preference[03:00] Why thinking about favorite brands reduces enthusiasm for new ones[04:00] Symbolic versus functional brands[06:00] What happens when your unique brand becomes mainstream[07:00] Reversing identity saturation through uniqueness threats  To learn more, visit marketingarchitects.com/podcast or subscribe to our newsletter at marketingarchitects.com/newsletter.  Resources: Chernev, A., Hamilton, R., & Gal, D. (2011). Competing for consumer identity: Limits to self-expression and the perils of lifestyle branding. Journal of Marketing, 75(3), 66–82. https://doi.org/10.1509/jmkg.75.3.66  Get more research-backed marketing strategies by subscribing to The Marketing Architects on Apple Podcasts, Spotify, or wherever you listen to podcasts. 

Even with the federal data slowdown, there are still alternative indicators that give us a view into what's happening in the US economy and commercial real estate. In this episode, our hosts, Omar Eltorai and Cole Perry, lean on data from private providers and trade organizations to uncover what's happening across consumers, small businesses, labor, and financial markets and what it all means for CRE. They're joined by Andrew Pabon from Altus Group's Valuation Advisory team to share insights on the CRE debt space. Key Moments:01:31 Labor market indicators05:35 Consumer data insights13:21 Financial market conditions and business data17:01 Small business economic trends20:51 CRE credit trends and debt market insights28:41 Interview with Andrew Pabon on the US CRE debt landscape41:24 Upcoming economic data releases Resources Mentioned:Andrew Pabon - https://www.linkedin.com/in/andrew-pabon-15a6976/Altus Group CRE Debt Capital Markets Survey - https://www.altusgroup.com/featured-insights/cre-debt-capital-markets-survey-registration/Alternative version of Kansas City Fed's Labor Market Conditions Indicators (LMCI) - https://www.kansascityfed.org/research/economic-bulletin/an-alternative-version-of-the-kc-fed-lmci-suggests-little-change-in-the-labor-market-in-september/University of Michigan Consumer Sentiment Index - https://www.sca.isr.umich.edu/Federal Reserve G.19 Consumer Credit Report - https://www.federalreserve.gov/Releases/g19/current/New York Fed Survey of Consumer Expectations - https://www.newyorkfed.org/microeconomics/sce#/Chicago Fed's National Financial Conditions Index - https://www.chicagofed.org/research/data/nfci/current-dataNFIB Small Business Economic Trends report - https://www.nfib-sbet.org/MainPage.htmlEmail us: altusresearch@altusgroup.comThanks for listening to the “CRE Exchange” podcast, powered by Altus Group. If you enjoyed this episode, please leave a review to help get the word out about the show. And be sure to subscribe so you never miss another insightful conversation.#CRE #CommercialRealEstate #Property

​ ⁨@TheTheologyPugcast⁩   ⁨@JonathanPageau⁩   Fairy Tales (among other things)! : The Theology Pugcast Episode 362 https://youtu.be/KHppFv06y2o?si=wHwX7W6F9GTvudgF  ​ ⁨@MarkDParker⁩  House of Woo | spiritual but not religious or godly but not churched | 14 October 2025 https://www.youtube.com/live/_7YyPe0Y9Rw?si=bNZ86kkCg3y-F5hW   ⁨@TheDispatchPods⁩  Puritans to Trump: Charisma and America https://youtu.be/nhn_GMgSTw4?si=jJR4elQSPyTvCahQ  An Accidental Rando with Marc and Irina Jackson https://youtu.be/C2wmArv7ywE?si=NlVNUb1PJXDyR3Yr  https://www.southeastuary.com/ https://www.livingstonescrc.com/give Paul Vander Klay clips channel https://www.youtube.com/channel/UCX0jIcadtoxELSwehCh5QTg https://www.meetup.com/sacramento-estuary/ My Substack https://paulvanderklay.substack.com/ Bridges of meaning https://discord.gg/3KSvYAvN Estuary Hub Link https://www.estuaryhub.com/ There is a video version of this podcast on YouTube at http://www.youtube.com/paulvanderklay To listen to this on ITunes https://itunes.apple.com/us/podcast/paul-vanderklays-podcast/id1394314333  If you need the RSS feed for your podcast player https://paulvanderklay.podbean.com/feed/  All Amazon links here are part of the Amazon Affiliate Program. Amazon pays me a small commission at no additional cost to you if you buy through one of the product links here. This is is one (free to you) way to support my videos.  https://paypal.me/paulvanderklay Blockchain backup on Lbry https://odysee.com/@paulvanderklay https://www.patreon.com/paulvanderklay Paul's Church Content at Living Stones Channel https://www.youtube.com/channel/UCh7bdktIALZ9Nq41oVCvW-A To support Paul's work by supporting his church give here. https://tithe.ly/give?c=2160640 https://www.livingstonescrc.com/give  

Treasury Secretary Scott Bessent's words on the consumer pushed futures higher ahead of Wednesday's opening bell. He alluded to the private sector becoming "unleashed" with help from the government. Kevin Hincks talks about how Bessent's words add to a bullish case for markets. While the continuing government shutdown has kept many economic prints off the table, Kevin does go over the latest mortgage applications and Empire State manufacturing data.======== 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

Denise Press, Head of Small Business, North America, VISA Commercial Solutions; and Steve Zandpour, EVP, Head of Consumer & Business Banking at Associated Bank, discuss why access to capital is crucial for small businesses and how economic factors impact access, what resources and tools are available for small businesses, what factors to consider when leveraging AI, and what VISA and Associated Bank are doing to help small businesses thrive.

With the government currently shutdown, investors are struggling to determine the true health of the U.S. economy. Key among the concerns is the strength of the U.S. consumer. As the old saying goes: “how goes the U.S. consumer is how goes the U.S. economy.” So, have tariffs impacted the price of goods or consumer behavior? What is the U.S. consumer buying? If the focus on ‘need to have' goods and services or ‘nice to have'? How are companies getting tired consumers to their stores and websites? Finally, what impact will AI have on consumer spending in the future? In this week's Trading Perspectives, Sam Clement and John Norris discuss the current consumer market, and attempt to answer any questions about the strength of the U.S. consumer.  

Consumers have changed, let's be prepared for it this holiday season. Article referenced: https://www.retaildive.com/trendline/holiday-shopping-behavior/567/?utm_source=SMT&utm_medium=1-2BlastSept18&utm_campaign=PitneyBowesWork with me: https://stan.store/thespacesocial

In this episode of Medsider Radio, we sat down with Young Juhn, CEO of Wellysis.Wellysis is the Samsung spinout behind S-Patch, a lightweight wearable that enables long-term ECG monitoring without the discomfort of established cardiac monitoring devices.Young has spent more than two decades bridging hospital and home-based care — from his early career at Johnson & Johnson, to more than a decade at Kaiser Permanente, to leading healthcare innovation at Samsung before spinning out Wellysis in 2019.In this interview, Young shares why patient interviews should shape product design, how regulatory clearance is just the starting point for global commercialization, and why building a medical foundation before branching into consumer markets is critical for lasting adoption.Before we dive into the discussion, I wanted to mention a few things:First, if you're into learning from medical device and health technology founders and CEOs, and want to know when new interviews are live, head over to Medsider.com and sign up for our free newsletter.Second, if you want to peek behind the curtain of the world's most successful startups, you should consider a Medsider premium membership. You'll learn the strategies and tactics that founders and CEOs use to build and grow companies like Silk Road Medical, AliveCor, Shockwave Medical, and hundreds more!We recently introduced some fantastic additions exclusively for Medsider premium members, including playbooks, which are curated collections of our top Medsider interviews on key topics like capital fundraising and risk mitigation, and 3 packages that will help you make use of our database of 750+ life science investors more efficiently for your fundraise and help you discover your next medical device or health technology investor!In addition to the entire back catalog of Medsider interviews over the past decade, premium members also get a copy of every volume of Medsider Mentors at no additional cost, including the latest Medsider Mentors Volume VII. If you're interested, go to medsider.com/subscribe to learn more.Lastly, if you'd rather read than listen, here's a link to the full interview with Young Juhn.

The MacVoices Live! panel marks the anniversary of Steve Jobs' passing with memories, reflections, and some personal encounters on his impact. Chuck Joiner, David Ginsburg, Web Bixby, Marty Jencius, Brian Flanigan-Arthurs, Jeff Gamet, Eric Bolden, and Jim Rea talk about a recent warning about PayPal/Venmo scams after account linking, with debate over protections, Apple Pay safety, Zelle pitfalls, and practical tips include using secondary accounts and caution with subscriptions.  MacVoices is supported by MacPaw and the Cloud Cleanup feature. Get Tidy Today! Try 7 days free and use my code MACVOICES20 for 20% off at clnmy.com/MACVOICES. Show Notes: Chapters: [0:10] Live show intro and sponsor mention[5:26] Remembering Steve Jobs: stories and impact[13:00] Sponsor message: Cloud Cleanup feature[14:33] PSA: PayPal/Venmo scams and account linking[15:33] Consumer protections and debit vs. credit[16:59] Mixed experiences with PayPal support[18:46] Risk-mitigation: secondary accounts and travel cards[20:22] Sending money to Canada? Options and caveats[20:57] Apple Pay adoption and site support[21:50] Zelle warnings, unauthorized payments, and best practices Links: Remembering Steve Jobshttps://www.macrumors.com/2025/10/05/remembering-steve/ Protect yourself from scams as Venmo and PayPal complete hook uphttps://9to5mac.com/2025/10/02/protect-yourself-from-scams-as-venmo-and-paypal-complete-hook-up/ 7 Things To Know Before You Use Zellehttps://clark.com/personal-finance-credit/banks-banking/zelle-things-to-know/ Guests: Web Bixby has been in the insurance business for 40 years and has been an Apple user for longer than that.You can catch up with him on Facebook, Twitter, and LinkedIn, but prefers Bluesky. Eric Bolden is into macOS, plants, sci-fi, food, and is a rural internet supporter. You can connect with him on Twitter, by email at embolden@mac.com, on Mastodon at @eabolden@techhub.social, on his blog, Trending At Work, and as co-host on The Vision ProFiles podcast. Brian Flanigan-Arthurs is an educator with a passion for providing results-driven, innovative learning strategies for all students, but particularly those who are at-risk. He is also a tech enthusiast who has a particular affinity for Apple since he first used the Apple IIGS as a student. You can contact Brian on twitter as @brian8944. He also recently opened a Mastodon account at @brian8944@mastodon.cloud. Jeff Gamet is a technology blogger, podcaster, author, and public speaker. Previously, he was The Mac Observer's Managing Editor, and the TextExpander Evangelist for Smile. He has presented at Macworld Expo, RSA Conference, several WordCamp events, along with many other conferences. You can find him on several podcasts such as The Mac Show, The Big Show, MacVoices, Mac OS Ken, This Week in iOS, and more. Jeff is easy to find on social media as @jgamet on Twitter and Instagram, jeffgamet on LinkedIn., @jgamet@mastodon.social on Mastodon, and on his YouTube Channel at YouTube.com/jgamet. David Ginsburg is the host of the weekly podcast In Touch With iOS where he discusses all things iOS, iPhone, iPad, Apple TV, Apple Watch, and related technologies. He is an IT professional supporting Mac, iOS and Windows users. Visit his YouTube channel at https://youtube.com/daveg65 and find and follow him on Twitter @daveg65 and on Mastodon at @daveg65@mastodon.cloud. Dr. Marty Jencius has been an Associate Professor of Counseling at Kent State University since 2000. He has over 120 publications in books, chapters, journal articles, and others, along with 200 podcasts related to counseling, counselor education, and faculty life. His technology interest led him to develop the counseling profession ‘firsts,' including listservs, a web-based peer-reviewed journal, The Journal of Technology in Counseling, teaching and conferencing in virtual worlds as the founder of Counselor Education in Second Life, and podcast founder/producer of CounselorAudioSource.net and ThePodTalk.net. Currently, he produces a podcast about counseling and life questions, the Circular Firing Squad, and digital video interviews with legacies capturing the history of the counseling field. This is also co-host of The Vision ProFiles podcast. Generally, Marty is chasing the newest tech trends, which explains his interest in A.I. for teaching, research, and productivity. Marty is an active presenter and past president of the NorthEast Ohio Apple Corp (NEOAC). Jim Rea built his own computer from scratch in 1975, started programming in 1977, and has been an independent Mac developer continuously since 1984. He is the founder of ProVUE Development, and the author of Panorama X, ProVUE's ultra fast RAM based database software for the macOS platform. He's been a speaker at MacTech, MacWorld Expo and other industry conferences. Follow Jim at provue.com and via @provuejim@techhub.social on Mastodon. Support:      Become a MacVoices Patron on Patreon     http://patreon.com/macvoices      Enjoy this episode? Make a one-time donation with PayPal Connect:      Web:     http://macvoices.com      Twitter:     http://www.twitter.com/chuckjoiner     http://www.twitter.com/macvoices      Mastodon:     https://mastodon.cloud/@chuckjoiner      Facebook:     http://www.facebook.com/chuck.joiner      MacVoices Page on Facebook:     http://www.facebook.com/macvoices/      MacVoices Group on Facebook:     http://www.facebook.com/groups/macvoice      LinkedIn:     https://www.linkedin.com/in/chuckjoiner/      Instagram:     https://www.instagram.com/chuckjoiner/ Subscribe:      Audio in iTunes     Video in iTunes      Subscribe manually via iTunes or any podcatcher:      Audio: http://www.macvoices.com/rss/macvoicesrss      Video: http://www.macvoices.com/rss/macvoicesvideorss

Consumer demand for cottage cheese is growing. NAFB News ServiceSee omnystudio.com/listener for privacy information.

As the U.S. government shutdown delays key economic data, the Equifax Advisors team steps in with deeper insights. Host Emmaline Aliff is joined by Jesse Hardin, Tom O'Neill, and Maria Urtubey to unpack the indicators that matter most when visibility is limited—and to debut the Market Pulse Index, a new holistic measure capturing the intersection of credit, income, assets, and financial behavior across populations.Economist Justin Begley of Moody's Analytics delivers our macroeconomic update.In this episode: What is the Market Pulse Index?The Market Pulse Index is a new measure developed by Equifax Advisors that combines multiple financial dimensions—credit performance, income, debt, assets, and affluence—into one holistic view of consumer and market health. It helps lenders and policymakers understand economic conditions beyond single metrics like CPI or GDP.Why is the Market Pulse Index important right now?With the U.S. government shutdown delaying key data releases, traditional indicators such as the jobs report and GDP updates are unavailable. The Market Pulse Index fills this gap by integrating real-time, multi-source data to reveal trends in affordability, financial durability, and consumer well-being.How does the Market Pulse Index differ from other metrics like CPI or GDP?Unlike single-dimension indicators, the Market Pulse Index combines hard data (credit, income, assets) and soft data (consumer sentiment) to provide a multi-layered view of economic conditions. It can reveal disparities across populations, regions, and credit tiers—helping decision-makers identify who's thriving and who's struggling.What is the K-shaped economy and how does it relate?The K-shaped economy describes uneven recovery patterns—where high-income consumers see wealth gains while lower-income groups face rising debt and affordability challenges. The Market Pulse Index captures these differences, offering a clearer picture of financial resilience across demographic groups.How can lenders and businesses use the Market Pulse Index?Organizations can use the Market Pulse Index to:Track aggregate consumer health across income, geography, and age groupsIdentify emerging credit risks and opportunitiesAdjust lending and pricing strategies based on holistic insightsImprove risk management and marketing segmentationIf you have questions or suggestions for future podcasts, please reach out to riskadvisors@equifax.com.

In this episode of Investor Perspectives on Retail & the Consumer, Brett Striker, former founder of Maddy and Maize popcorn and professional EOS Implementer, joins Omni Talk to share the brutally honest truth about preparing your business for exit. From wearing every hat as a founder to successfully selling to a competitor, Brett breaks down how to transform chaos into clarity, why structure beats hustle, and how EOS (Entrepreneurial Operating System) turned his business from a 24/7 grind into an asset worth buying. If you've ever felt overwhelmed running your business or wondered what it actually takes to build something scalable, this episode is for you. Topics covered: The hidden structural issues that hold businesses back (not just people problems) How to build an accountability chart that actually works Why 136 issues at once means you need a system, not more hours The difference between building a business vs. operating one How EOS set Brett up for a successful exit

Today on our show:Process Re-Engineering Is a Key Skill in the Age of AIStripe Link Moving More Consumer FacingIs OpenAI Building a Super App?Shopify CRO Bobby Morrison Forced Out- and finally, The Investor Minute which contains 5 items this week from the world of venture capital, acquisitions, and IPOs.Today's episode is sponsored by Mirakl.https://www.rmwcommerce.com/ecommerce-podcast-watsonweeklyThis podcast uses the following third-party services for analysis: Podtrac - https://analytics.podtrac.com/privacy-policy-gdrp

Are you aware of how algorithms shape your online experience? In our latest episode, we dive deep into the world of social media and explore how these powerful tools manipulate our emotions and influence our decisions. Tune in to the discussion!

Keeping the news light this week! The FCC is going to let ISPs charge hidden fees again. South Korea loses a massive data center with no backups. AI gets nasty when you reward its bad behavior. The iQOO 15 was unboxed early. And the Vivo X300 Pro is getting shown off in some travel videos! Let's get our tech week started right! -- Show Notes and Links https://somegadgetguy.com/b/4Rt 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.

Ahead of Tuesday morning's earnings, JPMorgan Chase (JPM) said it will invest $10 billion in companies the U.S. deems critical to national security, which includes the A.I., defense, and quantum industries. Alexander Yokum is a big bank bull with expected loan growth acceleration and benefits from an interest rate cutting cycle. He adds that consumer spending hasn't shaken, giving bank stocks another reason to push higher. Tom White offers example options trades for JPMorgan Chase and Goldman Sachs (GS).======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe 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

The Consumer sentiment survey came out better than expected, we talk about why. 

The MacVoices Live! panel marks the anniversary of Steve Jobs' passing with memories, reflections, and some personal encounters on his impact. Chuck Joiner, David Ginsburg, Web Bixby, Marty Jencius, Brian Flanigan-Arthurs, Jeff Gamet, Eric Bolden, and Jim Rea talk about a recent warning about PayPal/Venmo scams after account linking, with debate over protections, Apple Pay safety, Zelle pitfalls, and practical tips include using secondary accounts and caution with subscriptions.  MacVoices is supported by MacPaw and the Cloud Cleanup feature. Get Tidy Today! Try 7 days free and use my code MACVOICES20 for 20% off at clnmy.com/MACVOICES. Show Notes: Chapters: [0:10] Live show intro and sponsor mention [5:26] Remembering Steve Jobs: stories and impact [13:00] Sponsor message: Cloud Cleanup feature [14:33] PSA: PayPal/Venmo scams and account linking [15:33] Consumer protections and debit vs. credit [16:59] Mixed experiences with PayPal support [18:46] Risk-mitigation: secondary accounts and travel cards [20:22] Sending money to Canada? Options and caveats [20:57] Apple Pay adoption and site support [21:50] Zelle warnings, unauthorized payments, and best practices Links: Remembering Steve Jobs https://www.macrumors.com/2025/10/05/remembering-steve/ Protect yourself from scams as Venmo and PayPal complete hook up https://9to5mac.com/2025/10/02/protect-yourself-from-scams-as-venmo-and-paypal-complete-hook-up/ 7 Things To Know Before You Use Zelle https://clark.com/personal-finance-credit/banks-banking/zelle-things-to-know/ Guests: Web Bixby has been in the insurance business for 40 years and has been an Apple user for longer than that.You can catch up with him on Facebook, Twitter, and LinkedIn, but prefers Bluesky. Eric Bolden is into macOS, plants, sci-fi, food, and is a rural internet supporter. You can connect with him on Twitter, by email at embolden@mac.com, on Mastodon at @eabolden@techhub.social, on his blog, Trending At Work, and as co-host on The Vision ProFiles podcast. Brian Flanigan-Arthurs is an educator with a passion for providing results-driven, innovative learning strategies for all students, but particularly those who are at-risk. He is also a tech enthusiast who has a particular affinity for Apple since he first used the Apple IIGS as a student. You can contact Brian on twitter as @brian8944. He also recently opened a Mastodon account at @brian8944@mastodon.cloud. Jeff Gamet is a technology blogger, podcaster, author, and public speaker. Previously, he was The Mac Observer's Managing Editor, and the TextExpander Evangelist for Smile. He has presented at Macworld Expo, RSA Conference, several WordCamp events, along with many other conferences. You can find him on several podcasts such as The Mac Show, The Big Show, MacVoices, Mac OS Ken, This Week in iOS, and more. Jeff is easy to find on social media as @jgamet on Twitter and Instagram, jeffgamet on LinkedIn., @jgamet@mastodon.social on Mastodon, and on his YouTube Channel at YouTube.com/jgamet. David Ginsburg is the host of the weekly podcast In Touch With iOS where he discusses all things iOS, iPhone, iPad, Apple TV, Apple Watch, and related technologies. He is an IT professional supporting Mac, iOS and Windows users. Visit his YouTube channel at https://youtube.com/daveg65 and find and follow him on Twitter @daveg65 and on Mastodon at @daveg65@mastodon.cloud. Dr. Marty Jencius has been an Associate Professor of Counseling at Kent State University since 2000. He has over 120 publications in books, chapters, journal articles, and others, along with 200 podcasts related to counseling, counselor education, and faculty life. His technology interest led him to develop the counseling profession ‘firsts,' including listservs, a web-based peer-reviewed journal, The Journal of Technology in Counseling, teaching and conferencing in virtual worlds as the founder of Counselor Education in Second Life, and podcast founder/producer of CounselorAudioSource.net and ThePodTalk.net. Currently, he produces a podcast about counseling and life questions, the Circular Firing Squad, and digital video interviews with legacies capturing the history of the counseling field. This is also co-host of The Vision ProFiles podcast. Generally, Marty is chasing the newest tech trends, which explains his interest in A.I. for teaching, research, and productivity. Marty is an active presenter and past president of the NorthEast Ohio Apple Corp (NEOAC). Jim Rea built his own computer from scratch in 1975, started programming in 1977, and has been an independent Mac developer continuously since 1984. He is the founder of ProVUE Development, and the author of Panorama X, ProVUE's ultra fast RAM based database software for the macOS platform. He's been a speaker at MacTech, MacWorld Expo and other industry conferences. Follow Jim at provue.com and via @provuejim@techhub.social on Mastodon. Support:      Become a MacVoices Patron on Patreon      http://patreon.com/macvoices      Enjoy this episode? Make a one-time donation with PayPal Connect:      Web:      http://macvoices.com      Twitter:      http://www.twitter.com/chuckjoiner      http://www.twitter.com/macvoices      Mastodon:      https://mastodon.cloud/@chuckjoiner      Facebook:      http://www.facebook.com/chuck.joiner      MacVoices Page on Facebook:      http://www.facebook.com/macvoices/      MacVoices Group on Facebook:      http://www.facebook.com/groups/macvoice      LinkedIn:      https://www.linkedin.com/in/chuckjoiner/      Instagram:      https://www.instagram.com/chuckjoiner/ Subscribe:      Audio in iTunes      Video in iTunes      Subscribe manually via iTunes or any podcatcher:      Audio: http://www.macvoices.com/rss/macvoicesrss      Video: http://www.macvoices.com/rss/macvoicesvideorss

Join us on November 6th, 2025, for the third annual Coast Summit, as we celebrate the visionary leaders who are pioneering solutions to some of the most pressing challenges of our time.This year's theme, "Healthy People, Healthy Planet," highlights the vital link between personal well-being and environmental regeneration. The Coast Summit brings together leaders from the worlds of sustainability, adventure, business, wellness, and storytelling in a format that blends the energy of a trade show with the insight of a summit.This isn't just a gathering—it's a launchpad for people and ideas that are shaping the future.Tickets are limited and expected to sell out quickly! Schedule coming soon!Link here to sign uphttps://www.coastfilmfestival.com/coast-summitJoin us in Utrecht this November 10-12! Link here to sign up https://www.packagingsummit.earth/2025SummaryIn this conversation, Cory Connors and Tom Pollock discuss the mission and impact of GreenBlue and its initiatives in sustainable packaging. They explore the importance of strategic partnerships, the consumer-centric approach of the How to Recycle label, and the significance of global collaboration in addressing sustainability challenges. The upcoming Sustainable Packaging Summit is highlighted as a key event for networking and learning from international practices in packaging innovation.TakeawaysGreenBlue is the parent organization for sustainable packaging initiatives.The Sustainable Packaging Coalition has grown from 75 to over 600 members.Consumer education is crucial for effective recycling practices.Strategic partnerships enhance the impact of sustainability efforts.Global collaboration is essential for addressing packaging challenges.The How to Recycle label simplifies recycling for consumers.Events like the Sustainable Packaging Summit foster valuable relationships.Learning from international practices can improve local sustainability efforts.Innovation in packaging materials is vital for sustainability.Communication and collaboration are key to achieving sustainability goals.TitlesExploring GreenBlue's Mission in Sustainable PackagingThe Importance of Strategic Partnerships in SustainabilitySound bites"We work through our members""We can move faster by working together""We can learn so much from people in Europe"Chapters00:00 Introduction to GreenBlue and Sustainable Packaging Coalition02:40 The Role of Strategic Partnerships in Sustainability05:14 How to Recycle Label: Impact and Collaboration07:57 Global Reach: Expanding GreenBlue's Influence10:41 Sustainable Packaging Summit: Building Relationships13:11 Learning from Global Innovations in Packaging15:56 Who Should Attend the Sustainable Packaging Summit?18:41 Conclusion and Future CollaborationsKeywordsGreenBlue, Sustainable Packaging, How to Recycle, Strategic Partnerships, Global Collaboration, Sustainable Packaging Summit, Consumer Education, Recycling, Packaging Innovation, Environmental Sustainabilityhttps://www.linkedin.com/in/cory-connors/I'm here to help you make your packaging more sustainable! Reach out today and I'll get back to you asap. This podcast is an independent production and the podcast production is an original work of the author. All rights of ownership and reproduction are retained—copyright 2022.

On this episode of Food Allergy Talk, I welcome Amy Graves, author of The Hidden Consumer: Uncovering the power of health-conscious buyers. Amy is allergic to mold, grass, birch, pet dander... as well as foods, including both corn and soy.When discovering her allergies she was living in MN but due to not being able to buy food in grocery stores had to move to CA.Her journey of discovering her allergies was complicated. At the time corn was not tested for and she had to figure it out on her own for over 2 years. Today we are going to learn about Amy's story, and how her journey with food allergies let to her book, The Hidden Consumer: Uncovering the Power of Health-Conscious Buyers.Amy's Bio:Amy Graves is a passionate advocate for health-conscious consumers and the founder of Hidden Consumers Consulting. After discovering her own severe sensitivities and allergies, Amy embarked on a journey to understand the hidden challenges faced by those with similar health concerns. With a background in marketing and a commitment to education, she has become a leading voice for consumers seeking safe and clean products. Through her work, Amy helps brands better understand and meet the needs of this influential demographic, empowering them to create safer, more inclusive products that resonate with today's health-savvy shoppers. Her book, The Hidden Consumer: Uncovering the Power of Health-Conscious Buyers, is available wherever books are sold!Links:Amy's Website: https://hiddenconsumersconsulting.com/Book Website with Retail Links: https://thehiddenconsumer.com/other-places-to-purchaseJoin My Private Facebook Group to connect, support and share: https://www.facebook.com/groups/FoodAllergyPI/Read My Articles on WebMD: https://blogs.webmd.com/food-allergies/lisa-horneThe Everything Nut Allergy Cookbook: https://www.simonandschuster.com/authors/Lisa-Horne/190009636The Food Allergy Talk Podcast: https://foodallergypi.com/the-food-allergy-talk-podcast/Food Allergy P.I. Blog: https://foodallergypi.comX: @foodallergypi & @fatalkpodcastInstagram: https://www.instagram.com/foodallergypi/ and https://www.instagram.com/foodallergytalk/ TikTok: https://www.tiktok.com/@foodallergypiEmail: foodallergypi@gmail.com

Hello nerds.When I first started interviewing Scott Santens years ago during the Nerds for Yang era, he was one of the most relentless and articulate advocates for universal basic income (UBI) in America. Back then, it felt like the country was on the verge of something big. Andrew Yang was on the debate stage making “Freedom Dividend” a household phrase. Silicon Valley technologists were whispering about automation in the same breath as moral responsibility. Even Republican voters were entertaining the idea that direct cash transfers might be less bureaucratic and more empowering than sprawling social programs.Fast forward to 2025, and the conversation feels quieter. The pandemic-era stimulus checks are long gone. Washington has reverted to tribal warfare. Meanwhile, AI is advancing faster than anyone—maybe even Scott and Andrew —predicted. The irony is thick: the very forces that made UBI seem like a radical idea a decade ago are now transforming entire industries before our eyes. And yet, the movement feels stuck in neutral.So when Scott rejoined me on Nerds for Humanity this month from his new base in Washington, D.C., I wanted to know: What happened? Why did UBI lose its moment? And is there a realistic path back to the mainstream before millions of Americans get left behind?The Move to D.C. and the Lost MomentScott began by explaining why he left New Orleans for D.C. a few years ago. “It just seemed that UBI was really a bigger part of the conversation,” he said. “I thought if the Democrats came in again in 2024, I could actually get some traction.”He laughs a little when he says that now. “That didn't end up happening,” he admitted, reflecting on how the Biden reelection froze the kind of idea competition that defined 2020. “The big problem was that Biden decided to run again, and there was no primary process. Then suddenly Kamala comes in and still no primary process. So there was no ideas competition. We really missed out on that.”That lack of competition, Scott argues, has a ripple effect. Political movements thrive on moments of contrast, when new ideas bump up against old dogmas and voters are forced to re-evaluate assumptions. The 2020 race—with Yang, Sanders, Warren, and others pitching structural reforms—was one of those rare idea-rich moments. 2024, by comparison, was a desert.As Scott put it bluntly: “We were close enough to taste it during the pandemic. It really felt like we were actually on the cusp of doing a monthly cash payment that could change things. But none of that happened.”He's not wrong. The COVID checks were, in effect, a large-scale experiment in direct income support. Poverty temporarily plummeted. Families caught their breath. Consumer demand stayed strong. And then we let it all expire.AI Ate the Jobs While America SleptWhat's striking about this quiet period, as I noted to Scott, is that the threat he and Yang warned about—the automation of work—is no longer hypothetical. Knowledge worker jobs are being eaten by AI faster than policy debates can catch up.“I'm a parent of two teenagers,” I told him. “Other parents are starting to wonder if a computer science degree is still the golden ticket. Should we be preparing our kids to be plumbers instead?”Scott nodded grimly. “It's disheartening,” he said. “Now that these impacts are here… this is the stuff that we've been warning about. It's not a sudden thing, but it does seem to already be impacting the entry-level job market.”He pointed to a convergence of pressures: corporate hiring freezes driven by uncertainty around tariffs, companies experimenting with AI productivity tools, and executives under shareholder pressure to “do more with less.” The result: stagnating headcount even in high-growth sectors.“We don't really need people that we likely would have if AI had not been introduced,” he said. I observed from Silicon Valley, “What we're seeing right now is that companies can grow revenue while keeping headcount flat.”It's not a collapse. It's a quiet deceleration—a slow bleed. And that's arguably more dangerous because it doesn't provoke a policy response. There's no headline-grabbing “AI layoffs.” Just the invisible absence of opportunities for millions of new grads.Even top business schools are struggling to place students. “It's like the hardest market in years,” Scott said, and I agreed. “If we hit a recession,” he warned, “that's when all these businesses really lean into productivity. The recession ends, and they realize they don't need those people back.”That scenario—automation accelerated by economic downturn—is the nightmare UBI advocates have been predicting for over a decade. Each downturn becomes a ratchet that permanently eliminates another layer of middle-class work.The Automation MirageWhen politicians talk about “bringing manufacturing jobs back,” Scott and I get visibly frustrated. “I don't think people realize—you don't need that many people in those factories anymore,” I said.He reminded me of a chart he once published showing that U.S. manufacturing output is higher than ever, even though manufacturing employment has fallen dramatically. “We're manufacturing more than ever, we just have fewer jobs,” he said. “If we did reshoring, sure, we could manufacture even more, but jobs would continue going down.”I brought up a U.S. tech investor who recently toured Chinese EV plants. “He said the number of BYD employees per car is something like a fifth of what it is for Ford or GM,” I told Scott. “If we build plants here, we're not going to hire 20 people per car—we'll hire four or five.”Scott didn't hesitate: “Exactly. The only way to bring it back is to minimize labor. American labor is expensive. You can't both re-shore and keep the same job intensity.”Then he pivoted to a deeper critique of political dishonesty. “Trump sold a lot of people false hope,” he said. “He told them, ‘Once I negotiate these trade deals, everything's gonna be back to post–World War II full employment.' But that's a lie. We've heard that lie over and over again, even from people in the AI world. They say this will create more jobs than it displaces. Come on. We all know the realities.”This is the paradox of modern capitalism: productivity growth has decoupled from employment growth. We make more stuff with fewer people. And our political imagination hasn't caught up to that new reality.From Careers to Gigs: The New NormalScott traced this shift back decades. “We know what happened when we displaced people from manufacturing jobs—they went lower down the ladder into lower-paying work,” he said. “You went from careers to gig labor.”He rattled off examples that have become painfully familiar: “People now earn extra money by signing up for Uber, delivering food, DoorDashing. There's just a transformation of what employment even means.”In Scott's view, the only logical response to this is UBI. “You need to make sure everyone actually gets basic income,” he said. “That helps feed demand for new jobs. If people's incomes fall as a result of AI, demand falls. And when demand falls, the entire economy reorients.”He pointed to a staggering statistic: “Right now, the top 10% are buying half of everything produced and sold in the U.S. It's a very unequal consumption economy. The markets start ignoring the basic needs of people and reorient around luxury experiences.”That imbalance, he argued, isn't just economic—it's political. “It leads to people getting violent. It's key to the erosion of democracy.”The Coming Middle-Class AwakeningIf there's any silver lining, I said, it's that the pain is spreading up the income ladder.“I think it's going to affect a lot of middle-class and upper-middle-class people in a way it hasn't before,” I said. “When Andrew talked about truck drivers losing jobs, people thought, ‘My kid's going to college, they'll be fine.' Now they're realizing maybe not.”Scott agreed. “We just didn't realize how fast it would hit arts, music, images, and photos. I didn't think about that. It took me by surprise.”I added, “When he said doctors and lawyers, it felt far away. Now you're like—oh s**t—that's happening right now.”He laughed and I added more examples. “People are winning court cases using ChatGPT as their attorney. And with tools like Sora and Grok Imagine, you can generate realistic videos and images instantly. There's no ground truth anymore.”That last point hits hard. “You just give people a reason to doubt it,” Scott said. “You can have fake security cam footage of Sam Altman stealing something, and people will believe it. Or you can have real footage of Trump doing something, and people won't.”When truth itself becomes negotiable, democracy can't function. Evidence is the oxygen of public accountability. Once it's gone, all we have left are teams—and team loyalty.The Tariff FantasyThat team loyalty came up again when I told Scott about a debate I'd had with a MAGA relative in Florida. My brother argued that Trump's tariffs would pay for his tax cuts. Scott immediately laughed. “Even assuming that were true—which it's not—you're still taxing the working and middle class to pay for tax cuts for the rich,” he said.He broke it down simply: “It doesn't make any sense to say, ‘Tariff revenue will cover it.' Who covers the tariff revenue? It's the consumers. And yet people believe it.”Scott sees this as part of the broader epistemic collapse—people believing “whatever their team is saying,” no matter how illogical. “It's impressive in some ways,” I said. “You can propose policies that hurt your base and they'll cheer you for it.” He nodded. “Yeah. It's really frustrating.”UBI Research: Misunderstood and MisreportedI asked Scott about recent UBI research that some media outlets described as “disappointing.” His response was both sharp and nuanced.“Those weren't negative results,” he said. “They were null results.” He walked me through three often-cited studies: Baby's First Years, the Denver Homeless Pilot, and Sam Altman's Worldcoin/Overture experiment.“The key is to understand what's being tested,” he explained. “These weren't saturation pilots. They gave money to small groups of individuals. But real universal basic income changes communities. It creates new demand, new jobs, new dynamics.”He contrasted these with the Alaska Permanent Fund, which distributes oil dividends to every state resident annually. “In Alaska, we saw an overall increase in employment due to the dividend,” he said. “Some people worked less, but the spending created new jobs.”That's the essence of his argument: if you only study individuals, you miss the macro effects.He was especially skeptical of the way media covered the Baby's First Years study, which found no measurable difference in children's brain development after four years of $333 monthly payments. “That's a null result, not a failure,” Scott said. “It doesn't mean UBI doesn't work. It just means we didn't see differences yet. Impacts often show up later in life.”He also noted that measuring brain development via EEG scans is an odd and narrow metric. “Maybe families were happier. Maybe they bought what they needed. That still matters.”The Secret Study and New FrontiersScott hinted that a major new study is underway. “There's a study I can't talk about,” he said, smiling, “but it's looking at something no other experiment has looked at. I'm excited for those results.”He also mentioned Jeff Atwood (co-founder of Stack Overflow) is funding a $50 million set of county-level pilots, focusing on rural areas. “That's exciting,” Scott said. “It's a different political slice, and it's potentially saturation-like.”Globally, he's watching Thailand closely. “They announced they were going to do a negative income tax starting in 2027,” he said. “If that happens, they'd be the first country in the world to have a basic income guarantee. It could reduce poverty by over 90%.”Then he sighed. “But the day after they announced it, their prime minister got fired. So who knows.”ITSA Foundation: Building UBI From the Ground UpScott's not just theorizing anymore. His ITSA Foundation is taking action with two ambitious projects launching next year.First, the Bootstraps documentary series, which follows families receiving a basic income to humanize the policy through storytelling. “Storytelling is key,” he said. “People need to feel it, not just read data.”Second, the Comingle app, which will create what he calls “a small basic income floor of around $50 per week without waiting for government.”“You can create it yourself, through community pooling,” he said. “If Bill Gates joined Comingle and put 7% of his income in, everyone's income would go up. Don't worry about him getting $50 a week—everyone benefits.”It's the kind of practical experimentation the movement needs: bottom-up systems proving that shared prosperity can be engineered today, not someday.Reflections: The Hard Politics of Intelligent ReformAfter the interview ended, I stayed live on the stream to share a few personal reflections—some of them, frankly, tinged with frustration.I told my audience that I'm a believer in two three-letter acronyms: UBI and RCV (ranked choice voting). I have conviction that both are essential for a healthier democracy and a fairer economy. Yet it's maddening how little traction they get compared to what dominates our discourse.This morning, I argued politics with another MAGA acquaintance on WhatsApp. He was fired up about “the trans agenda” and “illegals.” When I asked what he thought about RCV or UBI, he admitted he didn't know what they were.And that, I said, is the tragedy. Many voters are animated by cultural wedge issues that barely affect their lives, while transformative structural reforms barely register. People will march for hours over trans athletes, but not over gerrymandering, open primaries, or the collapse of middle-class livelihoods.Maybe that's why Scott is investing in storytelling. “You have to boil this down into a bumper sticker,” I said. “Or a story.” Policy briefs won't cut through a media ecosystem optimized for outrage.It's sobering to realize how little energy we allocate to existential issues—like the sustainability of democracy or the viability of a middle-class life in an AI-driven economy—compared to the performative culture wars that dominate cable news.A Political System Addicted to DistractionI sometimes wonder if America is capable of solving long-term problems anymore. We have the tools and the talent, but not the attention span.We obsess over symbolic fights while the foundations rot. Closed primaries keep extremists in power. Gerrymandered districts ensure incumbents never lose. The electoral incentives all point toward division, not solutions.UBI and RCV are, in many ways, tests of whether we can think systemically again—about incentives, about fairness, about the structural forces shaping our future. And right now, the answer seems to be: not yet.As I told my audience, “It's sad that people will march for red-meat issues where government isn't even the decisive actor, while ignoring how broken the system itself has become.”The AI asteroid is heading straight for us. Millions of jobs—white-collar jobs—are on the chopping block. And neither party is talking seriously about it. Not Trump, not Schumer, not Newsom. Maybe Andrew Yang. Maybe Buttigieg. Maybe Bernie. But as a national conversation? Crickets.What's Next: Awakening or DenialMy optimism, if you can call it that, lies in inevitability. The pain will broaden until reform becomes unavoidable. Middle-class professionals will begin to experience the same precarity that working-class Americans have faced for decades.The good news is that when comfortable people get uncomfortable, politics shifts. The bad news is that it often takes crisis to get there.UBI isn't charity. It's infrastructure for an economy that no longer guarantees stability through employment. It's the plumbing of a post-industrial democracy.Scott put it best when he said: “You have to make sure everyone actually gets basic income so you have that cash. That can feed demand for new jobs. Without it, demand falls, inequality grows, and democracy erodes.”A Call to the NerdsAs we wrapped, I asked Scott how people could stay involved. “Sign up at ItsaFoundation.org,” he said. “Subscribe to the newsletter. Next year we'll have the Bootstraps docu-series, the Comingle app, and events across the country to organize communities.”I told him I'd be cheering him on. Because, frankly, the next five years are going to test whether America is still capable of rational self-government—or if we've outsourced that too.If you've made it this far into this post, you're probably one of the few people left who actually cares about data, ideas, and structural reform. You're a nerd. And that's a good thing.But as I told my audience at the end of the livestream: being a nerd isn't enough. We need to organize, support, and amplify. If we don't, the algorithms will drown out the quiet voices of reason.So if you value this kind of long-form conversation—the kind you won't find on cable news—please consider becoming a Nerds for Humanity YouTube channel member. Memberships help cover the operating costs of the livestream and keep these discussions going. Members also get shout-outs on every show as a thank-you for keeping independent, data-driven political analysis alive.And if you can't join as a member, the next best thing you can do is like, share, and comment. That helps the algorithm surface this content to others who might just be waking up to the same questions we've been asking for years.Bye nerds. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit nerdsforhumanity.substack.com

This week on More or Less: Jess drops The Information's scoop on Oracle's shaky GPU rental margins and how it spooked markets, while Sam insists AI workloads will soar, even if profits don't. Dave crunches the numbers: an “Apollo program every 10 months,” data centers now powering half of U.S. GDP, and capital getting sucked from factories into GPUs. On the culture beat: Google's Zeitgeist goes no-swag chic, Taylor gets her own Google Easter egg, and Instagram ads become the prototype for AI's ad future, Restoration Hardware jet memes, Waymo etiquette, Bari Weiss' $150M Free Press–meets–CBS glow-up, and more. Never a dull moment with the MOL squad.Chapters:01:17 – Slow's Etiquette Finishing school on 11/5 (Apply here: https://luma.com/vmd7rz6j)04:02 – Why everyone is replicating YC demo day17:15 – AI bubble check + Sora usage uptick18:04 – Oracle GPU rental margins scoop21:21 – Quantum skepticism24:26 – AI bubble propping up the U.S. GDP33:20 – OpenAI renting GPUs; finance structures everywhere38:48 – Where AI profits come from: ads, subs, commerce (nothing proven)42:31 – Bari Weiss' Free Press sold for $150M; CBS Editor-in-Chief57:06 – Yoni Rechtman's “self-promotion” stunt + Sam's viral MrBeast post on XWe're also on ↓X: https://twitter.com/moreorlesspodInstagram: https://instagram.com/moreorlessYouTube: https://youtu.be/p1bmrugU_6EConnect with us here:1) Sam Lessin: https://x.com/lessin2) Dave Morin: https://x.com/davemorin3) Jessica Lessin: https://x.com/Jessicalessin4) Brit Morin: https://x.com/brit

In this insightful episode, John Dick and Michael Costello delve into the evolving landscape of health and wellness. They discuss the decline in obesity rates, the rise of strength training, and the impact of vitamins and supplements. Michael shares his journey at GNC and the importance of consumer focus and personalization in retail. The conversation also touches on brand loyalty, the role of science in consumer decisions, and the future of health and wellness.➡️ Answer questions from the end of the show here.Keywords:Health trends, Obesity decline, Strength training, Supplements, GNC, Consumer focus, Personalization, Retail strategy, Brand loyalty, Science skepticismTakeaways:The decline in obesity rates is linked to increased strength training and supplement use.Strength training is crucial for longevity, weight management, and better sleep.The younger generation is more health-conscious and informed about supplements.GNC's strategy focuses on consumer personalization and education.GLP-1s are seen as an opportunity rather than a threat in weight management.Retail has undergone significant changes, requiring adaptability and consumer focus.GNC emphasizes the importance of understanding consumer needs and providing tailored solutions.The role of science and evidence in product selection at GNC.The impact of social media on health trends and consumer behavior.The importance of continuous learning and adaptation in the retail industry.

As the shutdown persists, concern grows over the impact on inflation data and the October jobs report. Consumer sentiment is on tap, and earnings season begins next week.Important DisclosuresThis material is intended for general informational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.Past performance is no guarantee of future results.Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.Spotify and the Spotify logo are registered trademarks of Spotify AB.(0131-1025) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this week's episode of Kankakee Podcast News, Drew Raisor covers the top local stories from around Kankakee County. Baker & Taylor has closed its Momence distribution center, leaving hundreds unemployed as officials work to assist displaced workers. Consumer advocates are challenging Nicor Gas' proposed rate hike, calling for reductions to protect customers. The Kankakee Police Department promoted Jose Diaz to sergeant, marking an important career milestone and increasing local representation. Sunrise Center Animal Rescue is gearing up for its Trunk-or-Treat event to raise awareness and support for pet adoptions. Meanwhile, Bourbonnais continues to refine its Riverfront Park master plan following strong community input and a major land donation.Send us a textSupport the show

HEADLINE: China's Economic Contradictions: Deflation and Consumer Wariness Undermine GDP Growth ClaimsGUEST NAME: Fraser Howie SUMMARY: John Batchelor speaks with Fraser Howie about China facing severe economic contradictions despite high World Bank forecasts. Deflation remains rampant with frequently negative CPI and PPI figures. Consumer wariness and high youth unemployment at one in seven persist throughout the economy. The GDP growth figure is viewed as untrustworthy, manufactured through debt in a command economy. Decreased container ship arrivals point to limited actual growth, exacerbated by higher US tariffs. Economic reforms appear unlikely as centralization under Xi Jinping continues.

CBS EYE ON THE WORLD WITH JOHN BATCHELOR 1900 KYIV THE SHOW BEGINS IN THE DOUBTS THAT CONGRESS IS CAPABLE OF CUTTING SPENDING..... 10-8-25 FIRST HOUR 9-915 HEADLINE: Arab Intellectuals Fail Palestinians by Prioritizing Populism and Victimhood Narrative in Gaza ConflictGUEST NAME: Hussain Abdul-Hussain SUMMARY: John Batchelor speaks with Hussain Abdul-Hussain about Hamas utilizing the power of victimhood to justify atrocities and vilify opponents. Arab and Muslim intellectuals have failed Palestinians by prioritizing populism over introspection and self-critique. Regional actors like Egypt prioritize populist narratives over national interests, exemplified by refusing to open the Sinai border despite humanitarian suffering. The key recommendation is challenging the narrative and fostering a reliable, mature Palestinian government. 915-930 HEADLINE: Arab Intellectuals Fail Palestinians by Prioritizing Populism and Victimhood Narrative in Gaza ConflictGUEST NAME: Hussain Abdul-Hussain SUMMARY: John Batchelor speaks with Hussain Abdul-Hussain about Hamas utilizing the power of victimhood to justify atrocities and vilify opponents. Arab and Muslim intellectuals have failed Palestinians by prioritizing populism over introspection and self-critique. Regional actors like Egypt prioritize populist narratives over national interests, exemplified by refusing to open the Sinai border despite humanitarian suffering. The key recommendation is challenging the narrative and fostering a reliable, mature Palestinian government. 930-945 HEADLINE: Russian Oil and Gas Revenue Squeezed as Prices Drop, Turkey Shifts to US LNG, and China Delays Pipeline GUEST NAME: Michael Bernstam SUMMARY: John Batchelor speaks with Michael Bernstam about Russia facing severe budget pressure due to declining oil prices projected to reach $40 per barrel for Russian oil and global oil surplus. Turkey, a major buyer, is abandoning Russian natural gas after signing a 20-year LNG contract with the US. Russia refuses Indian rupee payments, demanding Chinese renminbi, which India lacks. China has stalled the major Power of Siberia 2 gas pipeline project indefinitely. Russia utilizes stablecoin and Bitcoin via Central Asian banks to circumvent payment sanctions. 945-1000 HEADLINE: UN Snapback Sanctions Imposed on Iran; Debate Over Nuclear Dismantlement and Enrichment GUEST NAME: Andrea Stricker SUMMARY: John Batchelor speaks with Andrea Stricker about the US and Europe securing the snapback of UN sanctions against Iran after 2015 JCPOA restrictions expired. Iran's non-compliance with inspection demands triggered these severe sanctions. The discussion covers the need for full dismantlement of Iran's nuclear program, including both enrichment and weaponization capabilities, to avoid future conflict. Concerns persist about Iran potentially retaining enrichment capabilities through low-level enrichment proposals and its continued non-cooperation with IAEA inspections. SECOND HOUR 10-1015 HEADLINE: Commodities Rise and UK Flag Controversy: French Weather, Market Trends, and British Politics GUEST NAME: Simon Constable SUMMARY: John Batchelor speaks with Simon Constable about key commodities like copper up 16% and steel up 15% signaling strong economic demand. Coffee prices remain very high at 52% increase. The conversation addresses French political turmoil, though non-citizens cannot vote. In the UK, the St. George's flag has become highly controversial, viewed by some as associated with racism, unlike the Union Jack. This flag controversy reflects a desire among segments like the white working class to assert English identity. 1015-1030 HEADLINE: Commodities Rise and UK Flag Controversy: French Weather, Market Trends, and British Politics GUEST NAME: Simon Constable SUMMARY: John Batchelor speaks with Simon Constable about key commodities like copper up 16% and steel up 15% signaling strong economic demand. Coffee prices remain very high at 52% increase. The conversation addresses French political turmoil, though non-citizens cannot vote. In the UK, the St. George's flag has become highly controversial, viewed by some as associated with racism, unlike the Union Jack. This flag controversy reflects a desire among segments like the white working class to assert English identity. 1030-1045 HEADLINE: China's Economic Contradictions: Deflation and Consumer Wariness Undermine GDP Growth ClaimsGUEST NAME: Fraser Howie SUMMARY: John Batchelor speaks with Fraser Howie about China facing severe economic contradictions despite high World Bank forecasts. Deflation remains rampant with frequently negative CPI and PPI figures. Consumer wariness and high youth unemployment at one in seven persist throughout the economy. The GDP growth figure is viewed as untrustworthy, manufactured through debt in a command economy. Decreased container ship arrivals point to limited actual growth, exacerbated by higher US tariffs. Economic reforms appear unlikely as centralization under Xi Jinping continues. 1045-1100 HEADLINE: Takaichi Sanae Elected LDP Head, Faces Coalition Challenge to Become Japan's First Female Prime Minister GUEST NAME: Lance Gatling SUMMARY: John Batchelor speaks with Lance Gatling about Takaichi Sanae being elected head of Japan's LDP, positioning her to potentially become the first female Prime Minister. A conservative figure, she supports visits to the controversial Yasukuni Shrine. Her immediate challenge is forming a majority coalition, as the junior partner Komeito disagrees with her conservative positions and social policies. President Trump praised her election, signaling potential for strong bilateral relations. THIRD HOUR 1100-1115 VHEADLINE: DeepSeek AI: Chinese LLM Performance and Security Flaws Revealed Amid Semiconductor Export Circumvention GUEST NAME: Jack Burnham SUMMARY: John Batchelor speaks with Jack Burnham about competition in Large Language Models between the US and China's DeepSeek. A NIST study found US models superior in software engineering, though DeepSeek showed parity in scientific questions. Critically, DeepSeek models exhibited significant security flaws. China attempts to circumvent US export controls on GPUs by smuggling and using cloud computing centers in Southeast Asia. Additionally, China aims to dominate global telecommunications through control of supply chains and legal mechanisms granting the CCP access to firm data.E V 1115-1130 HEADLINE: DeepSeek AI: Chinese LLM Performance and Security Flaws Revealed Amid Semiconductor Export Circumvention GUEST NAME: Jack Burnham SUMMARY: John Batchelor speaks with Jack Burnham about competition in Large Language Models between the US and China's DeepSeek. A NIST study found US models superior in software engineering, though DeepSeek showed parity in scientific questions. Critically, DeepSeek models exhibited significant security flaws. China attempts to circumvent US export controls on GPUs by smuggling and using cloud computing centers in Southeast Asia. Additionally, China aims to dominate global telecommunications through control of supply chains and legal mechanisms granting the CCP access to firm data. 1130-1145 HEADLINE: Taiwanese Influencer Charged for Threatening President; Mainland Chinese Influence Tactics ExposedGUEST NAME: Mark Simon SUMMARY: John Batchelor speaks with Mark Simon about internet personality Holger Chen under investigation in Taiwan for calling for President William Lai's decapitation. This highlights mainland Chinese influence operations utilizing influencers who push themes of military threat and Chinese greatness. Chen is suspected of having a mainland-affiliated paymaster due to lack of local commercial support. Taiwan's population primarily identifies as Taiwanese and is unnerved by constant military threats. A key propaganda goal is convincing Taiwan that the US will not intervene. 1145-1200 HEADLINE: Sentinel ICBM Modernization is Critical and Cost-Effective Deterrent Against Great Power CompetitionGUEST NAME: Peter Huessy SUMMARY: John Batchelor speaks with Peter Huessy about the Sentinel program replacing aging 55-year-old Minuteman ICBMs, aiming for lower operating costs and improved capabilities. Cost overruns stem from necessary infrastructure upgrades, including replacing thousands of miles of digital command and control cabling and building new silos. Maintaining the ICBM deterrent is financially and strategically crucial, saving hundreds of billions compared to relying solely on submarines. The need for modernization reflects the end of the post-Cold War "holiday from history," requiring rebuilding against threats from China and Russia. FOURTH HOUR 12-1215 HEADLINE: Supreme Court Battles Over Presidential Impoundment Authority and the Separation of Powers GUEST NAME: Josh Blackman SUMMARY: John Batchelor speaks with Josh Blackman about Supreme Court eras focusing on the separation of powers. Currently, the court is addressing presidential impoundment—the executive's authority to withhold appropriated funds. Earlier rulings, particularly 1975's Train v. City of New York, constrained this power. The Roberts Court appears sympathetic to reclaiming presidential authority lost during the Nixon era. The outcome of this ongoing litigation will determine the proper balance between executive and legislative branches. 1215-1230 HEADLINE: Supreme Court Battles Over Presidential Impoundment Authority and the Separation of Powers GUEST NAME: Josh Blackman SUMMARY: John Batchelor speaks with Josh Blackman about Supreme Court eras focusing on the separation of powers. Currently, the court is addressing presidential impoundment—the executive's authority to withhold appropriated funds. Earlier rulings, particularly 1975's Train v. City of New York, constrained this power. The Roberts Court appears sympathetic to reclaiming presidential authority lost during the Nixon era. The outcome of this ongoing litigation will determine the proper balance between executive and legislative branches. 1230-1245 HEADLINE: Space Force Awards Contracts to SpaceX and ULA; Juno Mission Ending, Launch Competition Heats UpGUEST NAME: Bob Zimmerman SUMMARY: John Batchelor speaks with Bob Zimmerman about Space Force awarding over $1 billion in launch contracts to SpaceX for five launches and ULA for two launches, highlighting growing demand for launch services. ULA's non-reusable rockets contrast with SpaceX's cheaper, reusable approach, while Blue Origin continues to lag behind. Other developments include Firefly entering defense contracting through its Scitec acquisition, Rocket Lab securing additional commercial launches, and the likely end of the long-running Juno Jupiter mission due to budget constraints. 1245-100 AM HEADLINE: Space Force Awards Contracts to SpaceX and ULA; Juno Mission Ending, Launch Competition Heats UpGUEST NAME: Bob Zimmerman SUMMARY: John Batchelor speaks with Bob Zimmerman about Space Force awarding over $1 billion in launch contracts to SpaceX for five launches and ULA for two launches, highlighting growing demand for launch services. ULA's non-reusable rockets contrast with SpaceX's cheaper, reusable approach, while Blue Origin continues to lag behind. Other developments include Firefly entering defense contracting through its Scitec acquisition, Rocket Lab securing additional commercial launches, and the likely end of the long-running Juno Jupiter mission due to budget constraints.

Updates available on militarymoneymanual.com/shutdown Air Force Aid Society – Falcon Loans up to $1,500 and Standard Assistance, up to 24 months of repayment. Space Force also eligible. Navy-Marine Corps Relief Society – Quick Assist Loan and Financial Assistance available Army Emergency Relief – Normally assistance available same day but no later than 48 hours. AER will provide rapid, zero-interest loans to help cover financial needs until normal operations and back pay resume. Assistance is available up to the amount of one net paycheck (maximum $6,000), with repayment beginning once pay is restored. If you or someone you know may be affected, please share this information. More information here. Coast Guard Mutual Assistance – Quick Loan program up to $1,000, Shutdown Loan up to 1 month's BAH per month USAA Government Shutdown Program 0% loan, credit check required, up to $6,000 Navy Federal Government Shutdown Assistance, Paycheck Assistance Program 0%, no credit check required, up to $6,000 PenFed Service Credit Union Spencer Reese delivers a timely solo episode addressing the 2025 federal government shutdown and its impact on military families. Recorded on October 8th, just days into the shutdown, this episode provides practical, actionable guidance on navigating the financial challenges of missed paychecks, accessing zero-interest loans from military-friendly banks, and protecting yourself from shutdown-related scams. While the Military Money Manual typically focuses on evergreen content, this episode addresses an urgent situation affecting active duty service members, federal employees, and military contractors. Topics Covered Government Shutdown Basics: Active duty military deemed mission essential, must continue reporting to work October 1st paycheck protected (work performed in September) October 15th paycheck at risk Historical precedent: 2018-2019 Coast Guard missed paychecks for 35 days Backpay is guaranteed by law once shutdown ends Veterans, retirees, VA disability, and Social Security payments protected (separate funding sources) USAA Government Shutdown Assistance Program: https://www.usaa.com/support/government-shutdown-program/ Zero-interest loan: $500-$6,000 based on last direct deposit amount Requirements: Direct deposit established before shutdown, at least one qualifying deposit in 30 days prior, US/military address (APO/FPO/DPO), credit approval required Repayment: 3 months, two equal installments (first payment ~60 days, second ~90 days) Additional relief: Auto/property insurance payment relief Credit cards: 3-month payment extension Consumer loans: 2-month extension with no interest Overdraft fees waived Home equity lines: 3-month payment extension Navy Federal Paycheck Assistance Program: https://www.navyfederal.org/about/government-shutdown.html Zero-interest loan: $250-$6,000 based on last direct deposit Major advantages: No credit check, not reported to credit bureaus Eligibility: Federal employees, active duty service members, federal contractors paid directly by government (broader than USAA) Registration deadline: Day before scheduled payday for funds on normal pay date (can register up to 3 days after, but won't receive funds immediately) Automatic repayment: Once direct deposit resumes, Navy Federal automatically deducts loan amount Backup repayment: If shutdown continues, repayment occurs 6 days after loan receipt Service Credit Union Options: 0% APR for up to 4 months No payments for up to 90 days Up to $5,000 for qualifying members Standard underwriting criteria applies (may require credit check) Military Aid Societies (All Interest-Free): Air Force Aid Society – Falcon Loans up to $1,500 and Standard Assistance, up to 24 months of repayment. Space Force also eligible. Navy-Marine Corps Relief Society – Quick Assist Loan and Financial Assistance available Army Emergency Relief – Normally assistance available same day but no later than 48 hours. AER will provide rapid, zero-interest loans to help cover financial needs until normal operations and back pay resume. Assistance is available up to the amount of one net paycheck (maximum $6,000), with repayment beginning once pay is restored. If you or someone you know may be affected, please share this information. More information here. Coast Guard Mutual Assistance – Quick Loan program up to $1,000, Shutdown Loan up to 1 month's BAH per month Historical Context: 2011: Near shutdown (averted) 2013: 16-day shutdown 2018: 3-day shutdown 2018-2019: 35-day shutdown (Coast Guard NOT paid) Bipartisan political theater regardless of which party controls Congress Military pay typically protected by last-minute "Pay Our Troops Act" Immediate Action Steps Reduce non-essential expenses - No big purchases or travel bookings Contact lenders - Request payment deferrals on mortgage, car, rent, student loans, credit cards Apply for 0% loans - Through USAA, Navy Federal, or Service Credit Union if needed Reach out to aid societies - Before considering any payday loans, auto title loans, or carrying credit card debt Watch for scams - Only use verified websites (USAA.com, NavyFederal.org), hang up and call back on suspicious calls Long-Term Action Steps Build an emergency fund - Minimum $1,000, ideally $10,000+ Switch to military-friendly bank - If current bank doesn't offer shutdown assistance Break paycheck-to-paycheck cycle - If missing one paycheck derails your finances, you have a financial emergency Turn off the news - Constant updates increase anxiety without adding value Focus on what you can control - Maintain internal locus of control Critical Security Warnings Scam Prevention: Only access programs through official websites: USAA.com and NavyFederal.org DO NOT use payday lenders or auto title loan companies DO NOT go through intermediaries If you receive a phone call claiming to be from Navy Federal or USAA, hang up and call back using verified number from app or official website Verify all communications independently Key Takeaways Don't panic - This has happened before and will likely happen again You will be backpaid - Military pay typically protected; backpay is guaranteed by law Assistance is available - Multiple 0% loan options and interest-free aid society loans Use this as motivation - Build financial resilience and emergency funds Emergency funds are essential - Perfect example of why military members need cash reserves Related Episodes Episode 95: Previous government shutdown episode (check for still-relevant information) Resources & Links Military-Friendly Banks: USAA.com - Government shutdown assistance NavyFederal.org - Paycheck assistance program Service Credit Union - Shutdown loan program Military Aid Societies (Interest-Free Loans): Air Force Aid Society - Covers Air Force and Space Force Navy Marine Corps Relief Society - Quick assist loans Army Emergency Relief - Same-day to 48-hour assistance Coast Guard Mutual Assistance - Quick loan program Apply for Assistance: Register with Navy Federal by day before payday for funds on schedule USAA requires credit approval (new requirement) Aid societies offer interest-free alternatives to commercial loans Who This Episode Is For Active duty military facing potential missed paychecks Federal employees impacted by shutdown Federal contractors paid directly by government Military spouses managing finances during shutdown Anyone needing immediate financial assistance during government disruptions Contact Information Host: Spencer Reese Connect: Website: MilitaryMoneyManual.com Instagram: @MilitaryMoneyManual Share this episode with others in your unit or squadron so they know the steps to take during a government shutdown. Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, including waived annual fees, on elite cards like the American Express Platinum Card® and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

We are pleased to share a new podcast episode, which was taken from our September 9, 2025, webinar featuring Malini Mithal, Associate Director of the Federal Trade Commission's Division of Financial Practices. Malini has been a valued guest on our podcast in past years, and this session provided another timely and insightful discussion. In today's episode she gives her thoughts on the FTC's recent non-antitrust consumer protection initiatives. Major Key Topics Discussed 1.     Fintech oversight – Malini began with FTC activity involving fintechs, particularly companies promoting faster access to cash, and addressed related lending and payments cases. 2.     Subscription practices under ROSCA – She highlighted the FTC's enforcement of the Restore Online Confidence Shoppers Act, including lawsuits against Uber and LA Fitness and a settlement with Match. 3.     Unfair and Deceptive Fees Rule – Effective May 12, 2025, this rule bans bait-and-switch pricing and hidden fees in industries such as live-event ticketing and short-term lodging. Malini explained how these practices harm consumers and distort competition. 4.     Auto finance transparency – Another area of focus for the FTC, reflecting the agency's broader emphasis on price transparency. 5.     Debt collection, debt relief, and credit repair – Malini reviewed recent FTC enforcement activity in these high-risk sectors. 6.     Crypto platforms – She concluded with a discussion of the FTC's work addressing crypto platforms that market banking-like services to consumers. After Malini left the webinar, John Culhane, a partner in our Consumer Financial Services Group, provided an update on developments at the FTC in terms of budget and staffing and the ongoing litigation challenging the Trump Administration's removal of two Democratic FTC Commissioners without cause and then discussed areas where we expect to see more FTC “regulation by enforcement” activity. 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.

Katie and Sally set their sights on Miss Ruki by Fumiko Takano (New York Review Comics, 2025): how does our environment change the way we experience friendship? What are we gonna do with all this life? Can I sleep over?? These existential questions and more: handled. (Spoiler - we loved this book.) Support the show and get bonus episodes at patreon.com/thicklinespod.

Welcome to Nerd Alert, a series of special episodes bridging the gap between marketing academia and practitioners. We're breaking down highly involved, complex research into plain language and takeaways any marketer can use. In this episode, Elena and Rob explore why underdog brand stories resonate with consumers and drive purchase intent. They reveal how combining disadvantage with determination creates powerful brand connection, especially when purchases feel personal. Topics covered:   [01:00] "The Underdog Effect: The Marketing of Disadvantage and Determination through Brand Biography"[02:00] What makes an underdog brand biography work[03:00] Four studies testing underdog brand performance[05:00] Cultural differences in underdog appeal[06:00] Why identity matters in underdog branding[08:00] When underdog stories don't work as well To learn more, visit marketingarchitects.com/podcast or subscribe to our newsletter at marketingarchitects.com/newsletter  Resources: Paharia, N., Keinan, A., Avery, J., & Schor, J. B. (2011). The underdog effect: The marketing of disadvantage and determination through brand biography. Journal of Consumer Research, 37(5), 775–790. https://doi.org/10.1086/656219  Get more research-backed marketing strategies by subscribing to The Marketing Architects on Apple Podcasts, Spotify, or wherever you listen to podcasts. 

What if the problem isn't your friends—but the way you measure friendship? We dive into an honest, practical reset on how to build relationships that actually form us, not just flatter us. We explore the subtle consumer mindset that creeps into our closest bonds—keeping score, expecting equitableness on our terms, and treating people like faucets for our needs. Then we turn the lens: friendship as spiritual formation. That means discomfort isn't a red flag to quit; it's the wind that strengthens the tree. From listening to pain without slipping into courtroom roles, to inviting third-party feedback when we get called out, we map simple, doable practices that help us repair quickly and grow deeper trust.You'll hear vivid metaphors to anchor the change: friends as targets to aim love at, not sources to drain; living like a river instead of a reservoir; and the Johnny Appleseed approach to generously sowing encouragement wherever you go. We also spotlight the “Brittany principle”: the people most loved- often love the most—reminding us that popularity isn't the point, presence is. If you're ready to move from “Do I get enough here?” to “How can I give first without keeping score?”, this conversation will meet you right where you are and nudge you forward with grace.If this resonated, follow the show, share it with a friend who needs a hopeful nudge, and leave a quick review so more people can find Habit Lab. Want help applying this? Book a coaching with me—we'll build offensively small habits that create big impact.Click here to Book a coaching with Jenna --------------------------------------------------------------------------------------Want to join Jenna's Bible Habit group- become a $9/month sponsor of our podcast & you get access to the Private Group, monthly calls & more - Click this link to start patreon.com/TheHabitLab You can start at any point in the year!

Warren Buffett called it one of his biggest investment mistakes.The 2015 Kraft Heinz merger destroyed $63 billion in shareholder value while the broader market doubled.Key lessons for M&A professionals:• Consumer behavior trend analysis is critical for food industry due diligence • Aggressive cost reduction can eliminate innovation capacity in consumer products • Post-merger integration strategies must balance efficiency with brand development • Market research capabilities become essential during rapid cultural shifts • Strategic exit planning requires objective assessment of recovery prospectsThe complete merger failure analysis reveals why sophisticated investors missed consumer preference shifts toward natural foods and how 3G Capital's cost optimization strategy backfired in processed food markets.Essential listening for dealmakers in consumer products industries.• • •FOR MORE ON THIS EPISODE:https://www.coreykupfer.com/blog/kraftheinz• • •FOR MORE ON COREY KUPFER:https://www.linkedin.com/in/coreykupfer/http://coreykupfer.com/ Corey Kupfer is an expert strategist, negotiator, and dealmaker. He has more than 35 years of professional deal-making and negotiating experience. Corey is a successful entrepreneur, attorney, consultant, author, and professional speaker. He is deeply passionate about deal-driven growth. He is also the creator and host of the DealQuest Podcast.Get deal-ready with the DealQuest Podcast with Corey Kupfer, where like-minded entrepreneurs and business leaders converge, share insights and challenges, and success stories. Equip yourself with the tools, resources, and support necessary to navigate the complex yet rewarding world of dealmaking. Dive into the world of deal-driven growth today!

Katie Stockton, founder and managing partner at Fairlead Strategies, joins us for her quarterly technical outlook on markets, sectors, and asset classes. In this episode, Katie breaks down what her indicators are showing for equities, discusses the implications of new DeMark signals on the S&P 500 and Nasdaq, and explores opportunities across sectors like healthcare, utilities, and energy. She also analyzes key macro charts including gold, oil, Treasury yields, and the dollar, and explains how investors can use technical analysis to manage risk and identify trends heading into year-end.Main topics covered:• The current technical setup for the S&P 500 and how Katie reads market momentum• The role of moving averages, MACD, and DeMark indicators in her process• Breadth, sentiment, and seasonal factors influencing market direction• Why the AI and tech rally may be entering a more selective phase• Sector analysis: healthcare, utilities, energy, and consumer staples• Trends in financials and what's driving sector rotations• Overview of the Fairlead Tactical Sector ETF (TACK) and its positioning• The broadening theme, mega-cap leadership, and market concentration• Technical outlooks for gold, oil, Treasury yields, and the dollar• How correlations between bonds and equities are evolving• Key risk metrics Katie is watching into year-endTimestamps:00:00 Introduction and S&P 500 setup04:15 How Katie uses key technical indicators07:00 Reading trend strength through moving averages10:00 Balancing short- and long-term signals12:00 Seasonality and sentiment in the current market15:00 DeMark sell signals on the S&P and Nasdaq18:30 What a correction could mean for the AI trade20:20 Sector rotation and using technicals for allocation23:30 Opportunities in healthcare and energy25:30 Utilities and countertrend setups27:20 Consumer staples and defensive positioning29:00 Financials and recent weakness31:00 Inside the TACK ETF and its strategy34:10 Market breadth and mega-cap concentration37:00 Gold's breakout and sell discipline using technicals41:00 Oil's setup and resistance levels43:15 10-year Treasury yield analysis46:20 The dollar index and its key levels48:15 Relationship between stocks and bonds51:10 Final takeaways and closing

In this exclusive episode of the Ash Said It Show, host Ash Brown reconnects with Chris Kiser, CEO of Spice World Inc., to explore the latest innovations in garlic and ginger products, seasonal cooking inspiration, and what's trending in flavor as we head into the holidays. Listeners will discover:

In this episode, Pat and Tevo discuss the current state of the bar industry in Hoboken, exploring shifts in consumer behavior, the importance of signature dishes, and the challenges of cost management. They delve into innovative happy hour strategies, the impact of regulations on promotions, and the evolving drinking culture. Engaging with the audience for feedback and ideas is emphasized as a key component for bar owners to adapt and thrive in the changing landscape.Chapters00:00 Introduction to the Bar Industry Landscape02:25 Shifts in Consumer Behavior and Spending04:40 The Importance of Signature Menu Items07:41 Pricing Strategies and Customer Expectations10:13 Navigating Legal Restrictions in Promotions12:55 Engaging Customers Through Unique Offers15:55 Understanding Pricing Dynamics in the Bar Business18:36 Creating an Elevated Bar Experience21:36 Feedback and Future Directions for Bars30:20 Understanding the Waiting Room Experience36:20 The Changing Demographics of Hoboken41:25 Adapting to Health Consciousness in Dining44:30 Engaging with the Community for Better Experiences51:23 The Social Aspect of Drinking55:06 Navigating Alcohol Regulations in the Industry

Christiana Smith Shi is a seasoned leader in global, multichannel retail, co-author of national, best-selling book Career Forward: Strategies From Women Who've Made It, founder and principal at Lovejoy Advisors, LLC., and an experienced corporate director on multiple Fortune 100 boards. Christiana made an early career pivot from finance to join McKinsey & Company, where she ultimately served as Senior Partner. After 25 years in management consulting, Christiana became the President of Direct-to-Consumer at Nike. In 2016, she retired from Nike and founded Lovejoy Advisors to help provide guidance around digital transformation for consumer and retail businesses. She joins Roy to share insights into navigating a rewarding career, talent lessons from McKinsey and Nike, and much more. Highlights from our conversation include:The timely issue that prompted her to write a book (3:58)Why Christiana puts career first, job second (9:18)How to take a strategic long view with your career (10:55)Advice for building “professional equity” (15:27)What it means to “think like an investor” when it comes to your career (16:58)Christiana's core leadership philosophy (22:20)Her perspective on the value of leadership coaching (25:38)The role of feedback as a leader (26:47)Lessons learned about hiring and talent and the major differences between hiring at McKinsey and Nike (30:25)How Christiana worked to integrate her team into the culture of Nike (35:35)Identifying strengths and opportunities of a team (37:20)How to avoid what she calls "benevolent stagnation” (42:09)How Christiana has applied her career experience and strategies to her work on boards (45:19)Advice for landing board roles (46:45)The ultimate payoff of a rewarding career and what Christiana is thinking about for the future (55:05)Visit HowIHire.com for transcripts and more on this episode.Follow Roy Notowitz and Noto Group Executive Search on LinkedIn for updates and featured career opportunities.Subscribe to How I Hire:AppleSpotifyAmazon

What if people trusted you more than your brand? In this episode of Unemployable with Jeff Dudan, Jeff sits down with Brooke Budke — a cancer survivor, former President of Title Boxing Club, and now the Founder & CEO of Momentum Brands, a fractional CMO firm helping emerging franchise brands grow through authentic personal branding, not paid ads. Brooke shares why 80% of consumers would rather follow the founder than the brand, the psychology behind trust in the post-COVID marketplace, and how leaders can use platforms like LinkedIn to build real authority. They also unpack the future of search, the rise of AI, how to humanize automation, and why franchise CEOs must stay congruent with their mission to win trust online and offline. In This Episode: Why personal brands outperform corporate brands The 5 content pillars of authority How to build presence on LinkedIn (without being cringe) The evolution of Google → Gemini → ChatGPT search Balancing authenticity and leadership in franchise systems Guerrilla marketing tactics that still work in 2025

CBS EYE ON THE WORLD WITH JOHN BATCHELOR THE SHOW BEGINS IN THE DOUBTS ABOUT THE AMERICAN ECONOMY AND THE CONSUMER 1940 LONDON   10-3-25 FIRST HOUR 9-915 Slow Rebuilding and Political Manipulation in LA Fire Areas Guest Name: Jeff Bliss Summary: Rebuilding fire-damaged areas like Pacific Palisades is agonizingly slow, potentially taking 9 to 20 years, causing residents to abandon their homes. Red tape delays permit issuance, possibly benefiting real estate speculators, including foreign buyers. There is concern that political leaders are pushing to reshape these communities by moving in tall, low-cost housing. 915-930 Economic Slowdown Evident in Local Consumer Spending and Housing Guest Name: Jim McTague Summary:Despite lower gas prices in Lancaster County, a ripple effect from declining Asian imports is expected. Consumer caution remains high, with "English" shoppers buying essentials and avoiding expensive electronics. Local diners show less vibrancy, suggesting the economy has lost "some spring in its step." High-end real estate sales have also notably "dried up." 930-945 HEADLINE: Trump's War on Cartels and Venezuela Intervention; Supreme Court Takes Up Federal Reserve Governor Firing Case GUEST NAME: Richard Epstein SUMMARY: John Batchelor speaks with Richard Epstein about President Trump's "war" against drug cartels and potential Venezuela intervention, which Epstein deems unlawful executive overreach due to congressional inertia. He suggests overthrowing Maduro would be more strategic. The Supreme Court scheduled oral arguments regarding presidential power to fire Federal Reserve governors, specifically Lisa Cook, addressing the future of independent agencieS. 945-1000 HEADLINE: Trump's War on Cartels and Venezuela Intervention; Supreme Court Takes Up Federal Reserve Governor Firing Case GUEST NAME: Richard Epstein SUMMARY: John Batchelor speaks with Richard Epstein about President Trump's "war" against drug cartels and potential Venezuela intervention, which Epstein deems unlawful executive overreach due to congressional inertia. He suggests overthrowing Maduro would be more strategic. The Supreme Court scheduled oral arguments regarding presidential power to fire Federal Reserve governors, specifically Lisa Cook, addressing the future of independent agencieS. SECOND HOUR 10-1015 Need for Pentagon Leadership in Fortifying US Infrastructure Against Adversaries Guest Name: Henry SokolskiSummary: Russia is allegedly already waging hybrid war against the EU via cable cutting and cyber assaults, which is expected to reach the US. The US is unprepared organizationally. The Pentagon (Secretary of Defense) should lead hardening and proliferation efforts for targets like the electric grid and nuclear plants, but they are currently resistant to doing so publicly. 1015-1030 Need for Pentagon Leadership in Fortifying US Infrastructure Against Adversaries Guest Name: Henry SokolskiSummary: Russia is allegedly already waging hybrid war against the EU via cable cutting and cyber assaults, which is expected to reach the US. The US is unprepared organizationally. The Pentagon (Secretary of Defense) should lead hardening and proliferation efforts for targets like the electric grid and nuclear plants, but they are currently resistant to doing so publicly. 1030-1045 Interstellar Comet 3I Atlas and Martian/Jupiter Missions Guest Name: Bob Zimmerman Summary: Comet 3I Atlas is the third identified interstellar object and the second interstellar comet, much larger than previous ones. Its path brings it within about 20 million miles of Mars, but it is currently blocked by the sun. NASA and European teams are attempting to get data using Mars orbiters and rovers, though the resolution may not match Webb's spectroscopy. Europe is also considering re-aiming the Juice mission. 1045-1100 Webb Telescope Challenges Cosmology Theories with 'Little Red Dots' Guest Name: Bob Zimmerman Summary:The Webb Space Telescope is finding mysterious "little red dots" in the very early universe, observed via infrared due to redshift. Astronomers speculate these might be supermassive black holes, which shouldn't exist so early, challenging the Big Bang theory itself. About 30% of these dots do not appear compact when viewed in ultraviolet light, resembling galaxies instead. THIRD HOUR 1100-1115 HEADLINE: Princess Ennigaldi-Nanna's Chamber: An Early Mesopotamian Museum GUEST NAME: Moudhy Al-Rashid SUMMARY: John Batchelor speaks with Moudhy Al-Rashid about Princess Ennigaldi-Nanna, high priestess to moon god Sin in Ur, who maintained ancient artifact collections in her palace. Items 1,500 years older than her time, alongside cylindrical clay labels, suggest the chamber functioned as the world's earliest known museum, establishing links to ancient history. 1115-1130 HEADLINE: Princess Ennigaldi-Nanna's Chamber: An Early Mesopotamian Museum GUEST NAME: Moudhy Al-Rashid SUMMARY: John Batchelor speaks with Moudhy Al-Rashid about Princess Ennigaldi-Nanna, high priestess to moon god Sin in Ur, who maintained ancient artifact collections in her palace. Items 1,500 years older than her time, alongside cylindrical clay labels, suggest the chamber functioned as the world's earliest known museum, establishing links to ancient history. 1130-1145 HEADLINE: Ancient Mesopotamian Literacy, Math, and the Epic of Gilgamesh GUEST NAME: Moudhy Al-RashidSUMMARY: John Batchelor speaks with Moudhy Al-Rashid about Mesopotamian education teaching advanced mathematics and writing in Sumerian and Akkadian, preserved on homework tablets. The Epic of Gilgamesh, dating to a likely real king around 2800 BCE, tells of a tyrant's transformation into a wise king after learning that life concerns community survival 1145-1200 HEADLINE: Ancient Mesopotamian Literacy, Math, and the Epic of Gilgamesh GUEST NAME: Moudhy Al-RashidSUMMARY: John Batchelor speaks with Moudhy Al-Rashid about Mesopotamian education teaching advanced mathematics and writing in Sumerian and Akkadian, preserved on homework tablets. The Epic of Gilgamesh, dating to a likely real king around 2800 BCE, tells of a tyrant's transformation into a wise king after learning that life concerns community survival FOURTH HOUR 12-1215 Positive Outlook for US-Canada Trade and Middle East Peace Guest Name: Conrad Black Summary: Canadian Prime Minister Mark Carney is meeting with President Trump to discuss economic and security issues, aiming to remove US tariffs. Trade discussions look positive following the Canadian election. Carney also specifically endorsed President Trump's proposed Middle East peace deal, which has major Arab and non-Arab Muslim powers supporting it, deeming it one of the greatest diplomatic achievements since World War II. 1215-1230 8. Italian Political Scandals and the Reinstatement of St. Francis Holiday Guest Name: Lorenzo Fiori Summary:Prime Minister Giorgia Meloni and two ministers face ICC investigation for failing to detain a Libyan warlord, citing risks to Italian workers in Libya. Separately, Italy's Senate unanimously approved reinstating a national holiday honoring St. Francis of Assisi, Italy's patron saint, 800 years after his passing. 1230-1245 Distinguishing Humane Nationalism from Pathological Ideologies Guest Name: Daniel Mahoney Summary:Nationalism must be distinguished from pathological forms like "blood and soil" ideology, which champions ethnic rooting and the subordination of others. Moderate, humane national loyalty is tied to self-government and common humanity, rejecting the path that leads to "zoological wars." Critics often unfairly conflate nationalism with isolationism or imperialism. 1245-100 AM Distinguishing Humane Nationalism from Pathological Ideologies Guest Name: Daniel Mahoney Summary:Nationalism must be distinguished from pathological forms like "blood and soil" ideology, which champions ethnic rooting and the subordination of others. Moderate, humane national loyalty is tied to self-government and common humanity, rejecting the path that leads to "zoological wars." Critics often unfairly conflate nationalism with isolationism or imperialism.

Economic Slowdown Evident in Local Consumer Spending and Housing Guest Name: Jim McTague Summary:Despite lower gas prices in Lancaster County, a ripple effect from declining Asian imports is expected. Consumer caution remains high, with "English" shoppers buying essentials and avoiding expensive electronics. Local diners show less vibrancy, suggesting the economy has lost "some spring in its step." High-end real estate sales have also notably "dried up." 1887 CLINTON COUNTY PA

Discover a simple but powerful formula for building a successful real estate business—or creating more cash flow. In this quick episode, Tom Krol shares the 4 Ts, the same principles that keep the wealthy at the top of their game. Listen in as he drops valuable lessons learned from thousands of hours spent coaching real estate investors. Make sure to check the TTP Training Program.---------Show notes:(0:50) Beginning of today's episode(1:25) Pay your taxes(1:41) Tied your 10%(2:01) Table some money(3:20) Consumer debts (avoid them)(6:00) Becoming wealthy is detaching yourself from money(6:30) Start buying properties(8:00) Equity----------Resources:To speak with Brent or one of our other expert coaches call (281) 835-4201 or schedule your free discovery call here to learn about our mentorship programs and become part of the TribeGo to Wholesalingincgroup.com to become part of one of the fastest growing Facebook communities in the Wholesaling space. Get all of your burning Wholesaling questions answered, gain access to JV partnerships, and connect with other "success minded" Rhinos in the community.It's 100% free to join. The opportunities in this community are endless, what are you waiting for?