Podcasts about Consumer

Person or group of people that are the final users or consumers of products and or services; one who pays something to consume goods and services produced

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    The John Batchelor Show
    1: CBS EYE ON THE WORLD WITH JOHN BATCHELOR 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 i

    The John Batchelor Show

    Play Episode Listen Later Oct 9, 2025 8:50


    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.

    The John Batchelor 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 fore

    The John Batchelor Show

    Play Episode Listen Later Oct 9, 2025 9:53


    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.

    The Military Money Manual Podcast
    Government Shutdown 2025: 0% Loans from USAA, Navy Federal, Aid Societies | Military Pay, Emergency Funds, What To Do Now #198

    The Military Money Manual Podcast

    Play Episode Listen Later Oct 9, 2025 12:21


    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.

    Consumer Finance Monitor
    Recent Consumer Financial Services Developments at the Federal Trade Commission

    Consumer Finance Monitor

    Play Episode Listen Later Oct 9, 2025 60:51


    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.

    Thick Lines
    164 - Amelia Bedelia: Citizen Consumer

    Thick Lines

    Play Episode Listen Later Oct 9, 2025 56:43


    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.

    The Marketing Architects
    Nerd Alert: The Power of an "Underdog" Brand

    The Marketing Architects

    Play Episode Listen Later Oct 9, 2025 9:50


    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. 

    The Habit Lab
    Episode 81: Friendship Files #1 - Losing your consumer mindset

    The Habit Lab

    Play Episode Listen Later Oct 9, 2025 36:40 Transcription Available


    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!

    Fueling Deals
    Episode 363: When Mega-Mergers Go Wrong: Lessons from the Kraft Heinz Deal

    Fueling Deals

    Play Episode Listen Later Oct 8, 2025 14:14


    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!

    Excess Returns
    Big Rally. First Sell Signal Since April | Katie Stockton on What the Charts Say Could Come Next

    Excess Returns

    Play Episode Listen Later Oct 8, 2025 52:06


    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

    Sorry, We're Closed
    Ep. 321 Consumer Shifts & Cost Management: The Future of Bar/Hospitality Industry

    Sorry, We're Closed

    Play Episode Listen Later Oct 7, 2025 67:29


    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

    How I Hire
    Thinking “Career Forward” with Christiana Smith Shi, former Nike Direct-to-Consumer President

    How I Hire

    Play Episode Listen Later Oct 7, 2025 59:15


    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

    On The Homefront with Jeff Dudan
    Are People More Important Than Brands? | Brooke Budke with the Truth About Building Authority Online

    On The Homefront with Jeff Dudan

    Play Episode Listen Later Oct 7, 2025 68:51


    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

    The John Batchelor Show
    1: CBS EYE ON THE WORLD WITH JOHN BATCHELOR THE SHOW BEGINS IN THE DOUBTS ABOUT THE AMERICAN ECONOMY AND THE CONSUMER 10-3-25 FIRST HOUR 9-915 Slow Rebuilding and Political Manipulation in LA Fire Areas Guest Name: Jeff Bliss Summary: Rebuilding fi

    The John Batchelor Show

    Play Episode Listen Later Oct 4, 2025 9:40


    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.

    The John Batchelor Show
    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"

    The John Batchelor Show

    Play Episode Listen Later Oct 4, 2025 8:55


    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

    The CPG Guys
    Winning In Grocery & New Verticals with DoorDash's Fuad Hannon

    The CPG Guys

    Play Episode Listen Later Oct 4, 2025 48:30


    The CPG Guys are joined in this episode by Fuad Hannon, VP of New Business Verticals at DoorDash. In this role, he leads a team responsible for building new operating capabilities and delivery channels at DoorDash to expand our local commerce platform to new growth areas. Prior to his current role, Fuad was Head of New Business Verticals at DoorDash, previously a General Manager, and was part of the founding team for DoorDash Drive, the company's white-label fulfillment platform. Prior to DoorDash, Fuad worked at Google leading their Google Express operations and began his career as a strategy consultant at McKinsey & Company. Fuad holds a B.S. from the University of Minnesota and an MBA from the Harvard Business School.Follow Fuad Hannon on LinkedIn at: https://www.linkedin.com/in/fuadhannon/Follow Yoobi on LinkedIn at: https://www.linkedin.com/company/doordash/Follow NIQ online at: https://www.doordash.com/This episode is sponsored by DoorDash.Here's what we discussed:Grocery growth: Grocery has been a big area of investment for DoorDash. What progress have you made, and how do you see DoorDash's role evolving in this space?Consumer behavior: How does consumer behavior in grocery differ from other categories in on-demand delivery, and what opportunities does this create for grocery brands? Category momentum: What types of grocery categories or products are seeing the most success on on-demand platforms, and why?We learned at GS that you have just expanded your partner list - can you take us through what's new and exciting with your partners?Convenience & necessity mix: How does the mix of convenience (meal delivery) and necessity (grocery) create differentiated opportunities for brands? Best-in-class partnership: Can you share an example of a partnership with a grocery-focused CPGthat illustrates best-in-class use of DoorDash?Grocery & DoorDash Ads: How does the growth of the grocery vertical unlock new opportunities within DoorDash Ads, and what makes DoorDash a differentiated platform for grocery brands that want to advertise?Dashmart - I am very familiar with this offering through my days at GMI, even have walked through the NYC one, what's new and exciting about who are leveraging this?Advice to brands: What advice would you give to grocery brands looking to scale their presence on digital platforms like DoorDash?Future of Grocery on DoorDash: What message are you hoping to leave the industry about DoorDash's leadership in grocery and new verticals?CPG Guys Website: http://CPGguys.comFMCG Guys Website: http://FMCGguys.comRhea Raj's Website: http://rhearaj.comLara Raj in Katseye: https://www.katseye.world/DISCLAIMER: The content in this podcast episode is provided for general informational purposes only. By listening to our episode, you understand that no information contained in this episode should be construed as advice from CPGGUYS, LLC or the individual author, hosts, or guests, nor is it intended to be a substitute for research on any subject matter. Reference to any specific product or entity does not constitute an endorsement or recommendation by CPGGUYS, LLC. The views expressed by guests are their own and their appearance on the program does not imply an endorsement of the CPGGUYS LLC expressly disclaims any and all liability or responsibility for any direct, indirect, incidental, special, consequential or other damages arising out of any individual's use of, reference to, or inability to use this podcast or the information we presented in this podcast.

    Watchdog on Wall Street
    Media's Role in Financial Perception

    Watchdog on Wall Street

    Play Episode Listen Later Oct 4, 2025 39:38 Transcription Available


    Chris Markowski, the Watchdog on Wall Street, discusses the importance of frank speech in financial matters, critiques the influence of media and advertising on public perception, and debunks common myths surrounding annuities. He highlights the consequences of white collar crime, particularly in the context of government shutdowns and spending. Markowski also addresses the rising costs of healthcare and the economic realities faced by companies like Starbucks, emphasizing the need for transparency and truth in financial discussions.

    Do This, NOT That: Marketing Tips with Jay Schwedelson l Presented By Marigold
    No Date = No AI Love. The End of Evergreen Content! Jay's SCOOP | Ep. 423

    Do This, NOT That: Marketing Tips with Jay Schwedelson l Presented By Marigold

    Play Episode Listen Later Oct 3, 2025 9:18 Transcription Available


    Marketing's old “set it and forget it” strategy just got flipped on its head. Jay Schwedelson breaks down why evergreen content isn't enough anymore and how AI models like ChatGPT, Gemini, and Claude are forcing us to rethink everything. From adding dates and updates to your reports to re-labeling consumer guides for maximum visibility, he explains why recency is now the real SEO power play.ㅤBest Moments:(00:37) Why evergreen content used to dominate but no longer works in the AI era(01:22) How large language models prioritize recency over everything else(02:38) Why stale website pages are invisible to AI citations(03:15) The 50% boost from simply adding dates or “updated” to your content titles(04:15) Practical B2B examples like renaming reports with quarters and years(05:37) Consumer content tricks like “Holiday 2025 Gift Guide” or “Winter 2025 Style Guide”(07:01) Jay vents about neighbors putting up Halloween decorations way too early(08:15) Surprise reveal that Nick Lachey will appear at the Guru Conference karaoke contestㅤCheck out our 100% FREE + VIRTUAL EVENTS! ->Guru Conference - The World's Largest Virtual EMAIL MARKETING Conference - Nov 6-7!Register here: www.GuruConference.comㅤCheck out Jay's YOUTUBE Channel: https://www.youtube.com/@schwedelsonCheck out Jay's TIKTOK: https://www.tiktok.com/@schwedelsonCheck Out Jay's INSTAGRAM: https://www.instagram.com/jayschwedelson/ㅤMASSIVE thank you to our Sponsor, Marigold!!Email chaos across campuses, branches, or chapters? Emma by Marigold lets HQ keep control while local teams send on-brand, on-time messages with ease.Podcast & GURU listeners: 50 % off your first 3 months with an annual plan (new customers, 10 k-contact minimum, terms apply).Claim your offer now at jayschwedelson.com/emma

    Beauty and the Biz
    Writing a Consumer Book for Patients — Scott R. Miller, MD (Ep. 330)

    Beauty and the Biz

    Play Episode Listen Later Oct 3, 2025 48:40 Transcription Available


    Speaking Of Reliability: Friends Discussing Reliability Engineering Topics | Warranty | Plant Maintenance

    Consumer Electronics and Cars Abstract Mojan and Fred discuss consumer electronics and cars. Consumer and automotive electronics may share similar technologies, but their reliability challenges are worlds apart. Designing for the stresses of a living room is nothing like designing for the stresses inside a car. Key Points Join Mojan and Fred as they discuss: […] The post SOR 1110 Consumer Electronics and Cars appeared first on Accendo Reliability.

    Cybercrime Magazine Podcast
    Consumer Security. Phishing Scam Awareness. Burton Kelso, The Technology Expert.

    Cybercrime Magazine Podcast

    Play Episode Listen Later Oct 3, 2025 3:50


    Burton Kelso, The Technology Expert, is the weekly consumer products contributor for the Cybercrime Magazine Podcast. In this episode of Consumer Security, he joins host Sam White to share tips and tricks to help listeners avoid hackers and keep their devices and gadgets safe. For more tech tips from Burton, visit https://burtonkelso.com • For more on cybersecurity, visit us at https://cybersecurityventures.com

    Around the Horn in Wholesale Distribution Podcast
    How Does the Government Shutdown Affect the Q4 Playbook for Distributor Growth?

    Around the Horn in Wholesale Distribution Podcast

    Play Episode Listen Later Oct 3, 2025 81:16


    What happens when a government shutdown, interest rate cuts, and AI-driven commerce collide with the future of wholesale distribution?In this week's Around the Horn in Wholesale Distribution, Kevin Brown and Tom Burton unpack the headlines that matter: the Fed's next move, tariff resilience, and how AI-enabled platforms like LeadSmart Channel Cloud™ are reframing CRM as a growth engine. You'll also hear why AI Engine Optimization (AEO) is quickly replacing SEO, and what it means for distributors competing in an Amazon + OpenAI marketplace.What You'll Learn:Why CRM adoption fails, and how LeadSmart's smart CRM reframes it as customer enablementHow prediction markets like Polymarket may forecast economic shifts more accurately than government dataWhy tariffs, lithium mining, and government-backed investments signal long-term supply chain realignmentHow AI search and embedded transactions could challenge Amazon's dominanceWhy AI ethics and workforce augmentation matter more than “replacement” narrativesEpisode Highlights:03:05 – Government shutdown politics and the missing jobs report13:45 – Fed rate cuts, prediction markets, and Polymarket's surprising odds25:52 – Consumer confidence paradox: nervous workers, steady spending37:20 – U.S. invests in lithium mines and Intel, national security or sovereign wealth strategy?50:18 – Tariffs reshaping global supply chains and stalling multimillion-dollar projects01:01:12 – OpenAI launches checkout: what it means for distributors vs. Amazon01:12:05 – AI content optimization: moving from SEO to Generative Engine Optimization (GEO)01:19:10 – Why AI won't take jobs, but people using AI willTools, Frameworks, or Strategies MentionedLeadSmart Channel Cloud™ – AI-enabled CRM + customer intelligence platformPolymarket – decentralized prediction markets for real-time sentimentAI Engine Optimization (AEO) & Generative Engine Optimization (GEO) – future-proofing content strategyAgentic AI Workflows – automation with human-in-the-loop oversightDigital Twins & Lithium Investments – future of industrial resilienceClosing Insight:“If you have siloed data, you have siloed AI. The winners unify data to future-proof supply chains.” – Kevin BrownLeave a Review: Help us grow by sharing your thoughts on the show.Learn more about the LeadSmart AI B2B Sales Platform: https://www.leadsmarttech.com/ Join the conversation each week on LinkedIn Live.Want even more insight to the stories we discuss each week? Subscribe to the Around The Horn Newsletter.You can also hear the podcast and other excellent content on our YouTube Channel.Follow us on Facebook, Twitter, Instagram, or TikTok.

    Wholesaling Inc with Brent Daniels
    WIP 1834: #ThrowbackThursday - Wholesaling Quicktip – The Biggest Mistake that Keeps Even Successful Wholesalers BROKE

    Wholesaling Inc with Brent Daniels

    Play Episode Listen Later Oct 2, 2025 11:55


    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?

    The Marketing Architects
    Nerd Alert: How AI Reveals Hidden Consumer Preferences

    The Marketing Architects

    Play Episode Listen Later Oct 2, 2025 9:57


    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 the Mixture of Experts model uses AI to uncover four distinct consumer segments that traditional econometric models miss entirely. They reveal why assuming all consumers behave the same way leads to missed opportunities and how dynamic segmentation can transform marketing strategy.Topics covered:   [01:00] "How Do Consumers Really Choose? Exposing Hidden Preferences With the Mixture of Experts Model"[03:00] Four hidden consumer segments uncovered by AI[05:00] Why traditional models oversimplify consumer behavior[06:00] The power of discount thresholds in promotion-driven buying[07:00] How AI creates flexible, realistic customer pictures[08:00] Why consumers are more like a zoo than a herd of cows  To learn more, visit marketingarchitects.com/podcast or subscribe to our newsletter at marketingarchitects.com/newsletter.  Resources: Vallarino, D. (2025). How Do Consumers Really Choose? Exposing Hidden Preferences with the Mixture of Experts Model. arXiv preprint arXiv:2503.05800.   Get more research-backed marketing strategies by subscribing to The Marketing Architects on Apple Podcasts, Spotify, or wherever you listen to podcasts. 

    AgCulture Podcast
    Ali Cox: Branding in Agriculture | Ep. 94

    AgCulture Podcast

    Play Episode Listen Later Oct 2, 2025 38:30


    In this episode of the AgCulture Podcast, Ali Cox, founder of Noble West, explains how branding and marketing are reshaping the agriculture industry. She shares insights on bridging the gap between farmers and consumers, rethinking commodity marketing, and how social media trends are changing food demand. Learn practical lessons from real brand success stories and discover what strategies farmers can adopt to thrive. Listen now on all major platforms!Meet the guest: Ali Cox is the founder of Noble West, an award-winning marketing consultancy focused on agriculture and food ingredients. A fifth-generation farmer from California's Central Valley, she combines her deep roots in farming with expertise in modern marketing. She works with clients on branding, consumer engagement, and sustainability practices to strengthen the future of food.What you will learn: (00:00) Introduction(02:06) Food branding gaps(08:31) Consumer perception(12:17) Marketing commodities(15:35) Brand success stories(25:49) Consumer trends(36:30) Closing thoughtsDiscover the world of agriculture with the "Ag Culture Podcast".  This podcast will be a gateway for those passionate about agriculture to explore its global perspectives and innovative practices.Join Paul as he shares his experiences in the agricultural industry, his travels and encounters with important figures around the world.Available on YouTube, Spotify and Apple Podcasts.Subscribe at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.agculturepodcast.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and keep an eye out for future episodes, bringing insights and stories from the vibrant world of agriculture.

    CRE Exchange: Commercial Real Estate, Property Valuations, Real Estate Analytics and Property Tax

    From a 20.5% surge in new home sales and persistent affordability challenges in the existing market, to rising inflation, consumer sentiment drops, and labor market paradoxes, our hosts Omar Eltorai and Cole Perry explore how these factors are influencing CRE demand and investment strategy.Also, special guest Dan Kudrik, Senior Director at Altus, adds his perspective on the human edge in real estate, and highlights how valuation, residual values, and transparency are evolving in the US market.Key moments01:19 Latest Housing Market Data06:29 Consumer spending and inflation insights15:07 GDP and corporate profits analysis18:47 Labor market trends21:59 Special Guest: Dan Kudrik on human capital, valuations, and residual valuesResources mentionedNew Home Sales: https://www.census.gov/construction/nrs/index.html Existing home sales: https://www.nar.realtor/research-and-statistics/housing-statistics/existing-home-sales PCE: https://www.bea.gov/data/personal-consumption-expenditures-price-index GDP: https://www.bea.gov/data/gdp/gross-domestic-product University of Michigan's Consumer Sentiment Index: https://www.sca.isr.umich.edu/ JOLTS: https://www.bls.gov/jlt/ Dan Kudrik: https://www.linkedin.com/in/danielkudrik/ Email us: altusresearch@altusgroup.com Thanks 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

    Total Information AM
    How to get your share of the Amazon Prime/FTC settlement

    Total Information AM

    Play Episode Listen Later Oct 2, 2025 6:29


    Law Professor and Consumer protection attorney Danny Karon and author of "Your Lovable Lawyer's Guide to Legal Wellness: Fighting Back Against a World That's Out to Cheat You.", joins Megan Lynch to talk about Amazon prime subscriptions the difficulty to cancel it and the FTC settlement.

    Redeye
    Farmers not the cause of food price inflation in Canada

    Redeye

    Play Episode Listen Later Oct 2, 2025 11:51


    The National Farmers Union says Canadians are upset about higher grocery bills, but farmers' incomes have not kept up with inflation. The NFU points out that revenues for retail grocery companies have increased despite a decrease in the volume of food purchased by Canadians. We speak with James Hannay, policy analyst at the NFU.

    Making Sense
    This Job Report Just Flipped the ENTIRE Jobs Narrative Upside Down

    Making Sense

    Play Episode Listen Later Oct 1, 2025 19:44


    The latest report on jobs changes everything. The hiring rate in August dropped to its lowest level since April of 2020. April 2020. It's another clear sign that the labor market is visiting Dr. Beveridge and right in time for Amazon Prime Days which begin a week from now. Consumer confidence fell sharply here for September in even more new data, with workers reporting they also feel job availability is at a multi-year low, so it's not just in the high level data, this thing is also making waves on the ground. Eurodollar University's Money & Macro Analysis---------------------------------------------------------------------------------------------------------------------It is absolutely critical to understand the hidden truth or really truths about what interest rates are saying. Decoding them isn't really that difficult, either, once you step away from mainstream Economics. And that's what we're going to do on Tuesday October 14 at 6 pm ET. Join me for a full webinar as we break down these secrets to interest rates that really shouldn't be.Sign up for our webinar on the Hidden Truth Behind Interest Rates:https://webinar.eurodollar-university.com/home---------------------------------------------------------------------------------------------------------------------What is a Eurodollar University membership? It's where understanding the monetary world isn't a mystery—it's a method.If you're serious about your financial education and want clarity in a world of volatility and massive uncertainty, you're in the right place. https://eurodollar.university/memberships ---------------------------------------------------------------------------------------------------------------------Conference Board https://www.conference-board.org/topics/consumer-confidence/https://eurodollar.universityTwitter: https://twitter.com/JeffSnider_EDU

    Alloy Personal Training Business
    Care is Currency - Part 1

    Alloy Personal Training Business

    Play Episode Listen Later Oct 1, 2025 31:46


    In part 1 of this 5-part series, Rick presents the concepts from his keynote presentation from the 2025 Alloy Conference.Through compelling stories, Rick and Matt explain how Alloy differentiates itself from competitors by showing genuine care for every client, leading to long-term loyalty and success.Rick shares how caring for clients beyond the sale through accountability and follow-up makes a big difference.From uncomfortable sales moments to deeply personal coaching sessions, Alloy's model proves that the way you treat people is more important than the services you offer.You'll also hear about the importance of consistent effort—like making phone calls to clients or following up on leads—and how this ‘boring' work creates incredible results in the long run.Listen in and learn how Alloy ‘out cares' the competition.Key TakeawaysIntro (00:00)Differentiating Alloy through care (02:38)Starting point session: Jerry's story (04:10)The importance of consistent care (11:07)Overcoming discomfort in sales (13:36)Boring work and consistent effort (18:42)Consumer loyalty statistics (29:16)Additional Resources:- Alloy Personal Training- Learn About The Alloy Franchise Opportunity---------You can find the podcast on Apple, Google, Spotify, Stitcher, or wherever you listen to podcasts.If you haven't already, please rate and review the podcast on Apple Podcasts!

    The Money Show
    Consumer Ninja – Refund or not? Cancelling travel for family illness

    The Money Show

    Play Episode Listen Later Oct 1, 2025 8:02 Transcription Available


    Stephen Grootes speaks to consumer ninja Wendy Knowler about whether you can get a full refund if you cancel a travel booking because a family member falls ill. The Consumer Protection Act allows refunds on cancelled advance bookings, but the amount depends on how early you cancel and the company’s chances of filling your spot.. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.    Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Follow us on social media   702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

    TD Ameritrade Network
    Jefferies Upgrades CVNA: Can Digital Consumer Shift Help Carvana?

    TD Ameritrade Network

    Play Episode Listen Later Oct 1, 2025 6:13


    Jefferies upgrades Carvana (CVNA) to buy and raised its price target to $475, noting a shift in consumers from in-store purchases to online helping the auto industry. Marley Kayden notes the stock's already astronomical run and weighs merit to the analyst note. Prosper Trading Academy's Scott Bauer offers a bearish take on the stock through an example options trade.======== 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

    Jason & Alexis
    9/30 TUES HOUR 1: A consumer alert about tariffs, we're getting our bodies ready for PDD: Dance, would you go to a bar that bans cell phones, and we go down a "personal" rabbit hole...

    Jason & Alexis

    Play Episode Listen Later Sep 30, 2025 40:02


    A consumer alert about tariffs, we're getting our bodies ready for PDD: Dance, would you go to a bar that bans cell phones, and we go down a "personal" rabbit hole...See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

    The Brainy Business | Understanding the Psychology of Why People Buy | Behavioral Economics
    536. Unlocking Consumer Choices: The Power of Behavioral Science in Marketing

    The Brainy Business | Understanding the Psychology of Why People Buy | Behavioral Economics

    Play Episode Listen Later Sep 30, 2025 41:19


    In this episode of The Brainy Business podcast, Melina Palmer welcomes back Nancy Harhut, author of the insightful book, Using Behavioral Science in Marketing. Together, they delve into the powerful ways behavioral science can be applied to marketing strategies, enhancing customer engagement and driving action. Nancy shares her journey from traditional marketing to integrating behavioral science into her work, highlighting the importance of understanding consumer psychology. Throughout their discussion, Melina and Nancy explore key concepts such as autonomy bias, the magnetic middle, and the significance of testing marketing strategies to achieve measurable results. With practical examples and engaging stories, this episode is packed with actionable insights for marketers at any level. In this episode: Discover how small changes in marketing can lead to significant results. Learn about the impact of autonomy bias and how to leverage it in your campaigns. Explore the concept of the magnetic middle and its role in consumer decision-making. Understand the importance of testing and validation in marketing strategies. Gain insights into the practical applications of behavioral science in various marketing contexts. Get important links, top recommended books and episodes, and a full transcript at thebrainybusiness.com/536. 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

    Fitt Insider
    308. Brian Keller, Co-Founder and CEO of Rorra

    Fitt Insider

    Play Episode Listen Later Sep 30, 2025 33:13


    Today, I'm joined by Brian Keller, co-founder and CEO of Rorra.    Prioritizing design excellence, Rorra sells user-friendly water filters that deliver cleaner, safer drinking and bathing water — backed by NSF testing and transparent performance reports.   In this episode, we discuss building trust in the water filtration category.   We also cover:   Design and UX philosophy Direct-to-consumer vs. retail strategy Educating consumers without scare tactics   Subscribe to the podcast → insider.fitt.co/podcast   Subscribe to our newsletter → insider.fitt.co/subscribe   Follow us on LinkedIn → linkedin.com/company/fittinsider    Rorra's Website: https://rorra.com/  Rorra's Instagram: https://www.instagram.com/rorrawater/  Rorra's X: https://x.com/rorrawater  Rorra's Facebook: https://www.facebook.com/rorrawater    -   The Fitt Insider Podcast is brought to you by EGYM. Visit EGYM.com to learn more about its smart workout solutions for fitness and health facilities.   Fitt Talent: https://talent.fitt.co/  Consulting: https://consulting.fitt.co/  Investments: https://capital.fitt.co/   Chapters:  (00:00) Introduction  (00:25) Brian's background and founding story behind Rorra  (02:30) Researching existing water filtration options and market gaps  (05:15) Product development challenges and manufacturing in stainless steel  (07:15) Building business model and raising capital pre-product  (09:35) Design philosophy and user experience considerations  (11:30) Consumer education and "What's in Your Water" platform  (14:10) Messaging strategy around microplastics and forever chemicals  (16:20) Positioning as health and wellness vs. kitchen appliance  (18:15) Customer segmentation from biohackers to new mothers  (20:15) Partnership strategy with health and wellness influencers  (23:20) Direct-to-consumer vs. retail distribution considerations  (25:40) Filter replacement strategy and subscription model  (28:10) Future product roadmap and staying focused on water  (30:35) Long-term vision as trusted water quality information source  (31:05) Conclusion  

    Keep It Simple
    Where's the Debt? | Consumer vs. National Debt Explained (Mortgages, Cars, Credit Cards & DTI)

    Keep It Simple

    Play Episode Listen Later Sep 30, 2025 37:21


    From AssetBuilder's Plano HQ, host Joey Badinger sits down with Adam Morse, Janet Griffith, and Tommy Williams to unpack America's debt picture—from household budgets to the federal balance sheet. We break down mortgages vs. auto/student/credit-card debt, what rising rates mean, how to use debt-to-income (DTI) the smart way (the 28/36 rule), and practical habits to avoid lifestyle creep and instant-gratification financing. You'll learn: How much U.S. households owe (and where it sits by generation) Why mortgages can be “productive” debt—and why long car loans aren't Current rate realities (mortgage, auto, student loans, credit cards) Exactly how to calculate your DTI (with target ranges) Behavior traps: BNPL, long auto terms, monthly-payment thinking What “deficits” mean at home and at the national level—and why they compound Hosts & Credentials: Joey Badinger (Lead Advisor), Adam Morse (Director of Advising), Janet Griffith (Senior Advisor), Tommy Williams (Associate Advisor), AssetBuilder, Plano, TX. Contact the show: https://www.assetbuilder.com Chapters 00:00 Intro & Disclaimer 00:32 Welcome, Hosts & Setup (Plano HQ) 01:00 What We're Covering: Consumer vs. National Debt 02:00 U.S. Household Debt Snapshot (Totals & Averages) 03:15 Debt by Age Cohort (30–39, 40–49 peak, etc.) 05:10 Gen Z, Mortgages & Down Payments 06:00 Is Debt “Bad”? Productive vs. Dangerous Debt 07:20 National Debt vs. GDP (Post-WWII to Today) 09:40 Auto Loans Deep Dive (Long Terms, Delinquencies) 12:10 Average Loan Sizes (New vs. Used) 13:00 Deficits at Home & Nationally—What It Means 14:20 Growth Limits, Demographics & Reality Check 16:00 Rate Check: Mortgage, Auto, Credit Cards, Student Loans 18:30 Emergency Funds > High-APR Credit Cards 20:10 BNPL & Instant-Gratification Traps 21:10 Know Your Biases (Impulse, Overconfidence) 22:40 Budgeting Habits That Actually Stick 26:10 How to Calculate DTI (28/36 Rule) 28:30 Lender Approval vs. Healthy DTI 31:00 Why 70+ Debt Can Be Risky (Context Matters) 33:00 Depreciating vs. Appreciating Assets (Cars vs. Homes) 34:20 Action Steps: Start Small, Delay Gratification 36:00 How to Contact & Subscribe 36:30 Sign-Off & Disclosure Key Takeaways Debt is a tool, not a villain. Mortgages can raise quality of life; revolving/consumer debt at high APRs can snowball. Auto loans are 2nd-largest consumer debt and loan terms are stretching—be wary of “just the monthly.” Credit-card APRs >20% make balances dangerous; build emergency savings to avoid swipes under stress. DTI targets: ≤28% housing (PITI+HOA), ≤36% total debts is healthy; 50%+ is a red flag. Behavior beats hacks: budget regularly, delay gratification, prefer used cars/shorter terms, question “need vs. want.” Hashtags & Keywords Keywords: consumer debt 2025, debt to income ratio, 28/36 rule, mortgage vs rent, auto loan terms, credit card APR, student loans, national debt vs GDP, budgeting tips, AssetBuilder advisors Hashtags: #PersonalFinance #DebtFreeJourney #DTI #Mortgage #AutoLoans #CreditCards #Investing #Budgeting #KeepItSimplePodcast #AssetBuilder

    The ShiftShapers Podcast
    # 531 Eliminating Financial Barriers - with Tom Policelli of PayMedix

    The ShiftShapers Podcast

    Play Episode Listen Later Sep 30, 2025 23:39 Transcription Available


    High-deductible health plans have created "functionally uninsured" people who have insurance cards but can't access care due to high out-of-pocket costs, creating barriers to necessary healthcare and driving up long-term expenses. We discuss a solution with Tom Policelli of Paymedix.• Consumer confusion about benefits is the #1 issue, with affordability a close second• 45% of insured people avoided necessary care last year due to cost concerns • Nearly 30% of hospitals now require payment before scheduling services• 25% of commercially insured people have no available credit• Healthcare utilization by lower-income tiers mimics Medicaid patterns - delaying care until emergencies• PayMedix's "Super EOB" consolidates billing and offers 0% interest financing• Employers using PayMedix save 2-3% annually on healthcare trend• Unlike consumer credit companies, PayMedix uses an insurance mindset to spread risk• PayMedix maintains 95% employer retention versus the 30% industry average• TempoPay acquisition provides a card-based solution for pharmacy costs• Partnerships with companies like XO Health are expanding PayMedix's reach nationwideVisit paymedix.com to learn more about implementing these solutions.This episode is sponsored by Benepower, the platform of choice for a modern benefits experience. Benepower is an AI-powered benefits platform offering access to top products and services, enabling consultants and employers to create customized plans, optimize usage, and measure effectiveness. www.benepower.com

    TD Ameritrade Network
    Consumer Anxiety Persists Despite Lower Inflation Data

    TD Ameritrade Network

    Play Episode Listen Later Sep 30, 2025 6:52


    Tsvetta Kaleynska analyzes what consumers say online, noting a “fragile” spending situation. While data is showing lower inflation, “consumers feel the pinch on a daily basis” and doubt the data as their day is “getting harder and harder.” Tsvetta also discusses energy and gas prices for consumers, along with shelter, which has “been fueling consumer anxiety.” Food costs are “rising in general” with grocery a “huge negative driver this month.”======== 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

    That Makes Cents: A consumer podcast
    Unlocking MVP Status: How Brands Deliver More Value for the Price

    That Makes Cents: A consumer podcast

    Play Episode Listen Later Sep 30, 2025 16:11


    On this episode of "That Makes Cents" we dive into the strategies and capabilities that set MVP (More Value for the Price) brands apart in today's competitive consumer landscape. Our host, Bobby Stephens is joined by Mike Daher, Deloitte's US consumer industry leader, and Ed Johnson, principal in Deloitte's US consumer industry practice, to explore how brands can consistently exceed consumer expectations through supply chain resilience, data-driven insights, and innovative use of AI. The discussion highlights the financial advantages of MVP brands, shares personal perspectives on value, and offers actionable advice for organizations aiming to strengthen their market position by delivering exceptional value. Explore the Value-Seeking Consumer paper today: https://www.deloitte.com/us/en/insights/industry/retail-distribution/consumer-behavior-trends-state-of-the-consumer-tracker/understanding-value-seeking-consumer.html

    Retailistic
    Grocery Shop Buzz: Innovators, Tariffs, and Holiday Retail Predictions

    Retailistic

    Play Episode Listen Later Sep 30, 2025 18:47


    Video version of this episode is hereTakeawaysThe team is excited about upcoming grocery reports and innovations.AI tools are transforming the way retail professionals work.Holiday shopping is expected to grow by 3-3.5%.Consumer sentiment is cautious due to rising prices.Consumers are pulling holiday purchases forward to October.Supply chain disruptions may affect product availability.Weekly consumer surveys help gauge holiday spending expectations.Retailers are preparing for potential shortages this holiday season.CoreSight's reports are accessible to both members and non-members.Chapters00:00Introduction to Isla Meldon and Her Journey03:31The Role of AI in Graphic Design06:37Upcoming Reports and Innovations in Retail10:28Introduction to Holiday Retail Trends12:10Consumer Sentiment and Spending Expectations14:44Supply Chain Dynamics and Product Availability17:48CoreSight Research Insights and Reporting

    Please Explain
    Click to cancel: How hard should it be to end a subscription?

    Please Explain

    Play Episode Listen Later Sep 30, 2025 17:16 Transcription Available


    We all know how annoying it can be to cancel a subscription, whether to a streaming service or gym membership, but when do ‘'subscription traps’', as they’re known, legally cross a line?Consumer advocates, businesses and legislators are puzzling over the question as the government formulates new laws on unfair trading practices. Today, national consumer affairs reporter Elias Visontay on what a ban on subscription traps may actually look like.Subscribe to The Age & SMH: https://subscribe.smh.com.au/See omnystudio.com/listener for privacy information.

    Please Explain
    Click to cancel: How hard should it be to end a subscription?

    Please Explain

    Play Episode Listen Later Sep 30, 2025 17:16 Transcription Available


    We all know how annoying it can be to cancel a subscription, whether to a streaming service or gym membership, but when do ‘'subscription traps’', as they’re known, legally cross a line?Consumer advocates, businesses and legislators are puzzling over the question as the government formulates new laws on unfair trading practices. Today, national consumer affairs reporter Elias Visontay on what a ban on subscription traps may actually look like.Subscribe to The Age & SMH: https://subscribe.smh.com.au/See omnystudio.com/listener for privacy information.

    The Conversion Show
    AI Marketplaces - The Future of Retail with Jordan Brannon

    The Conversion Show

    Play Episode Listen Later Sep 30, 2025 32:04


    The shift from being a "channel" to the leading "Marketplace", this is the future and Jordan shared his expertise, a must listen especially with Shopify's Chatgpt announcements this week. Jordan Brannon from Coalition Technologies discusses the evolving landscape of AI marketing, particularly the integration of AI and the importance of marketplaces and zero party data. He emphasizes the value of quizzes and surveys in capturing customer insights, which can enhance marketing strategies and improve customer experiences. The discussion also covers the challenges of cart abandonment and the future of marketplaces as they adapt to AI-driven consumer behavior.Takeaways:-AI is transforming digital marketing into a marketplace.-Quizzes and surveys provide valuable customer insights.-Zero party data is essential for personalized marketing.-Understanding customer feedback can enhance user experience.-Cart abandonment is often due to poor checkout processes.-AI can optimize marketing strategies effectively.-The future of e-commerce will focus on loyalty and relationships.-Shopify's integration with AI is a game changer.-Consumer behavior insights drive marketing success.-Effective marketing requires understanding and adapting to AI trends.Chapters00:56 The Value of Quizzes and Surveys08:37 Leveraging Zero Party Data for Marketing10:20 Unlocking Marketing Insights Through Data11:02 The Power of Quizzes and Surveys12:03 Leveraging AI for Content Creation13:38 Zero-Party Data and AI Strategies15:24 Optimizing Marketing Campaigns17:04 Building Effective Surveys19:08 Consumer Behavior and AI Insights21:32 Understanding Cart Abandonment24:08 Shopify's Role in E-commerce25:29 The Future of Marketplaces and AI29:37 Free Analytics Dashboard Offer

    Epic Gardening: Daily Growing Tips and Advice
    Garden with Cool Birds with Drin Chissus | The Beet

    Epic Gardening: Daily Growing Tips and Advice

    Play Episode Listen Later Sep 29, 2025 55:11


    This episode has been brought to you by Fox Farm, crafting soil and fertilizers since 1984. Supercharge your plants by locating a Fox Farm retailer near you: https://foxfarm.com/find-a-dealer/ Episode Description:  In this episode of the Beet Podcast, Jacques chats with Cool Birds™ spokesperson Drin Chissus (also known as Bird Lady Drin) about all things feathered and fabulous. They dive into how birds can improve your garden and why you definitely want them hanging around. Learn how to create a bird-friendly space that keeps winged guests coming back for more. Connect with Drin Chissus: Adrianne “Drin” Chissus, aka “Bird Lady Drin,” is a wildlife advocate, birding expert, and the Director of Consumer & Bird Engagement at Global Harvest Foods and their flagship brand, Cool Birds™. With a deep passion for bird feeding and a knack for sharing practical, engaging tips, Drin inspires both beginners and seasoned bird lovers to see bird feeding as fun, fresh, and endlessly entertaining. Find more from Cool Birds™ here: https://morecoolbirds.com/  Find more from Drin on the Cool Birds™ Instagram: https://www.instagram.com/morecoolbirds/  Support The Beet: → Shop: https://growepic.co/shop  → Seeds: https://growepic.co/botanicalinterests  Learn More: → All Our Channels: https://growepic.co/youtube  → Blog: https://growepic.co/blog  → Podcast: https://growepic.co/podcasts  → Discord: https://growepic.co/discord  → Instagram: https://growepic.co/insta  → TikTok: https://growepic.co/tiktok  → Pinterest: https://growepic.co/pinterest  → Twitter: https://growepic.co/twitter  → Facebook: https://growepic.co/facebook  → Facebook Group: https://growepic.co/fbgroup  → Love our products? Become an Epic affiliate! https://growepic.co/3FjQXqV Learn more about your ad choices. Visit podcastchoices.com/adchoices

    Cloud Security Podcast by Google
    EP245 From Consumer Chatbots to Enterprise Guardrails: Securing Real AI Adoption

    Cloud Security Podcast by Google

    Play Episode Listen Later Sep 29, 2025 33:35


    Guest: Rick Caccia, CEO and Co-Founder, Witness AI Topics: In what ways is the current wave of enterprise AI adoption different from previous technology shifts? If we say “but it is different this time”, then why? What is your take on “consumer grade AI for business” vs enterprise AI? A lot of this sounds a bit like the CASB era circa 2014. How is this different with AI?  The concept of "routing prompts for risk and cost management" is intriguing. Can you elaborate on the architecture and specific AI engines Witness AI uses to achieve this, especially for large global corporations?  What are you seeing in the identity space for AI access? Can you give us a rundown of the different tradeoffs teams are making when it comes to managing identities for agents?  Resources: EP226 AI Supply Chain Security: Old Lessons, New Poisons, and Agentic Dreams EP173 SAIF in Focus: 5 AI Security Risks and SAIF Mitigations EP84 How to Secure Artificial Intelligence (AI): Threats, Approaches, Lessons So Far Witness AI blog Shadow Agents: A New Era of Shadow AI Risk in the Enterprise Blocking shadow agents won't work. Here's a more secure way forward Shadow AI Strikes Back: Enterprise AI Absent Oversight in the Age of Gen AI Cloud CISO Perspectives: How Google secures AI Agents “The Soul of a New Machine” book Emoji Attack: A Method for Misleading Judge LLMs in Safety Risk Detection  

    SGGQA Podcast – SomeGadgetGuy
    #SGGQA 414: OnePlus 15 and Qualcomm's New Chips - PJ Pod!

    SGGQA Podcast – SomeGadgetGuy

    Play Episode Listen Later Sep 29, 2025 179:09


    OnePlus is showing off their next phone, and it might land here SOON! Plus Qualcomm has new chips ready for phones, tablets, and PC's! Let's get our tech week started right! -- Show Notes and Links https://somegadgetguy.com/b/4R4 Video Replay https://youtube.com/live/WEl1Tt9gPfM 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.

    Hoosier Ag Today Podcast
    388. NutriPop’s Ujaswin Jain + Audrey Chung on student entrepreneurship, food is health + innovating for an evolving, mindful consumer

    Hoosier Ag Today Podcast

    Play Episode Listen Later Sep 29, 2025 30:41


    As consumers shift their preferences toward healthier food options, there is ripe opportunity for innovators in the CPG snack market. This week, we are joined by NutriPop co-founders Ujaswin Jain and Audrey Chung to talk food is health, student entrepreneurship and seizing the moment. We get into:  How the NutriPop team came together on the campus of the University of Notre Dame What popped water lily seeds are and how they become a nutritious snack The company's participation in AgriNovus' Velocity accelerator and how that experienced helped drive NutriPop forward in 2025 After winning the Food is Health track for Velocity, NutriPop's successes, wins and momentum on market NutriPop's differentiation and what makes them unique in the food is health space The tough realities of the CPG market and why they chose to enter as entrepreneurs Advice they would offer to young student entrepreneurs heading down a similar path  What's ahead for NutriPop 

    Best of the Left - Leftist Perspectives on Progressive Politics, News, Culture, Economics and Democracy
    SOLVED! SAMPLE! #23 - ROBBING YOU BLIND: ‘Buy Now Pay Later' and Mass Consumer Manipulation

    Best of the Left - Leftist Perspectives on Progressive Politics, News, Culture, Economics and Democracy

    Play Episode Listen Later Sep 28, 2025 19:01


    Air Date: 9–24-25 Today, Jay!, Amanda, Deon, and Erin discuss: Ch. 1 - Intro, and quick follow up on bad satire Ch. 2 - The new culture of ‘buy now pay later' and how these companies are manipulating the public to normalize the culture of overconsumption Ch. 3 - How companies pass the environmental toll of their products on the public, and the rise of “cute” debt Ch. 4 - The way heavy ‘buy now pay later' marketing has dramatically changed people's impression of how they spend their money Ch. 5 - Why poor voters are America's swing voters and why that's extremely important right now SOLVED! BACKSTAGE: Beyond the Algorithm: How we should address young boy's anger FOLLOW US ON: Bluesky Mastadon Instagram Facebook YouTube (This episode drops on YouTube on Friday - please share!) Nostr public key: npub1tjxxp0x5mcgl2svwhm39qf002st2zdrkz6yxmaxr6r2fh0pv49qq2pem0e REFERENCES: Buy now, pay later usage for groceries nearly doubles as consumers struggle with food costs - Fox Business Consumers Are Financing Their Groceries. What Does It Say About the Economy? - The New York Times Inside the Manipulative “conspiracy” of consumption - Fast Company The Rise of ‘Cute Debt' - The Atlantic The ‘Buy Now, Pay Later' Bubble Is About to Burst - The Atlantic Poor People Are America's Swing Voters - Time MEMBERS Child Soldiers - Slate TAKE ACTION: No Kings National Day of Action - Oct. 18th Free DC Project: FOR ALLIES ACROSS THE COUNTRY - Tell Congress to stand down the federal escalation One Million Rising Trainings In a blue state? Help stop ICE overreach Use the 5 Calls app for scripts and to reach all your elected officials Capitol Switchboard: 202-224-3121

    WNY Brews
    Buffalo Beer Buzz, September 26th, 2025

    WNY Brews

    Play Episode Listen Later Sep 27, 2025 35:42


    This week on WNY Brews, we're talking about a stacked lineup of fall beer events across Western New York. Buffalo Olde Brewery is hosting a four-day Oktoberfest weekend in Lovejoy (Sept. 25–28) with food, live music, giveaways, and their seasonal BOBFest lager. Resurgence and Consumer's Beverages have a group giveaway running now, and Ellicottville Brewing is raffling off Fall Fest tickets, so check their Instagram pages if you're feeling lucky. Clarksburg Cider is looking ahead with their winter seasonal Spruced Up, while WNY Beer Week kicks off Sept. 25 with a new collaborative hazy IPA pouring at breweries across the region. The Arc of Erie County's Ale Trail also returns Sept. 25 in Williamsville, with beer, cider, spirits, live music, and a discount code for our listeners. Buffalo Beer Goddesses will mark 13 years at Mr. Goodbar on Oct. 1, Rusty Nickel hosts their 11th Harvest Fest on Sept. 27, and a brand-new cidermaker, The Cider Project, officially launches Sept. 30 at Groundwork Market Garden.This episode is brought to you by The Tap and Craft Festival at Buffalo Riverworks on October 4th, presented by The Lock Tender. For tickets and info, head to BuffaloBeerLeague.com/tapandcraft.For more local beer stories, visit BuffaloBeerLeague.com. You can always reach us at Brian@BuffaloBeerLeague.com and Scott@WNYBrews.com. Hosted on Acast. See acast.com/privacy for more information.

    Retail Retold
    How Do Community, Capital, and Consumer Shifts Shape Retail Real Estate?

    Retail Retold

    Play Episode Listen Later Sep 25, 2025 47:55


    What Can 25 Years in Retail Real Estate Teach Us About Resilience and Growth?On this episode of Retail Retold, Chris Ressa welcomes longtime friend and industry leader Hue Chen, President of Saglo Companies, for a conversation packed with stories and lessons from 25 years in retail real estate.Hue reflects on starting his career in the trenches of the Great Recession, when lead-sharing boards and creativity kept deals alive. He shares how an unlikely sabbatical during that downturn reshaped his outlook, and why sometimes the “boring” tenants — daycares, laundromats, coin ops — deliver the biggest wins.From comparing ICSC attendee lists in 2018 vs. 2025 to unpacking why beverage brands like Dutch Bros and 7 Brew are exploding, Hue uses data and anecdotes to show how the retail landscape is constantly evolving. He and Chris also dive into deeper themes: what it takes to scale a company without being the bottleneck, how community-minded regional tenants often outperform nationals, and why consumer and retailer debt may be retail's real risk today.It's a conversation that blends history, humor, and hard truths — and proves that the best retail stories aren't always about lollipops and rainbows, but about resilience, adaptability, and the unexpected deals that shape entire careers.What you'll hear: How the Great Recession forged Hue's mindset — and why he never thought of leaving retailThe sabbatical that reset his career and gave him long-term perspectiveWhy “unsexy” tenants like daycares and laundromats can be the most profitable anchorsWhat ICSC attendee lists reveal about a generational shift in retail leadershipHow Saglo builds systems so the president isn't the bottleneckWhy regional tenants with 2–20 stores often outperform big nationalsThe explosion of beverage concepts like Dutch Bros, 7 Brew, and Luckin Coffee — and what makes them different from StarbucksWhy community engagement is often the real driver of tenant successThe hidden risks: consumer debt and retailer leverage vs. the strength of retail real estate fundamentalsLessons on adaptability, resilience, and how a single deal can shape an entire careerChapters00:00 Navigating the Great Recession: A Shared Journey09:32 The Evolution of Retail Real Estate20:47 Current Market Dynamics and Future Outlook24:56 Retail Resilience and Market Dynamics28:22 Concerns in Retail: Debt and Consumer Behavior31:26 The Importance of Community Engagement in Retail34:24 The Rise of Coffee Concepts in Retail40:30 Defining the 'Third Place' in Today's Society

    The Neuro Experience
    #1 Neurologist Reveals the SHOCKING Root Cause of Parkinson's Disease and How to Stop it | ft. Dr. Ray Dorsey

    The Neuro Experience

    Play Episode Listen Later Sep 23, 2025 59:49


    Parkinson's disease is the fastest-growing neurological condition in the world—and according to Dr. Ray Dorsey, it doesn't have to be this way. In this episode, I sit down with Dr. Dorsey, a leading neurologist, Parkinson's researcher, and tireless advocate for rethinking chronic illness. Together, we unpack why the rates of Parkinson's have doubled in the last 25 years and explore a bold claim: Parkinson's is largely a manmade and preventable disease.Dr. Dorsey's message is urgent yet hopeful: prevention is possible, but it requires awareness, advocacy, and collective action. Dr. Ray Dorsey is a neurologist and one of the world's foremost voices in Parkinson's disease research and care. With deep clinical expertise and a passion for health care innovation, he is reshaping how we understand and address chronic illness. His parents were both psychiatrists, and he knew from first grade that he wanted to become a doctor. Today, he combines that lifelong love of learning with a mission to prevent Parkinson's and improve the lives of millions worldwide. ***  Subscribe to The Neuro Experience for more conversations at the intersection of brain science and performance. I'm committed to bringing you evidence-based insights that you can apply to your own health journey.  ***  A huge thank you to my sponsors for supporting this episode. Check them out and enjoy exclusive discounts: Troscriptions: Go to www.troscription.com/neuro | Code: NEURO for 10% your first order Ketone IQ:  Go to https://ketone.com/NEURO for 30% OFF your subscription order + receive a free gift with your second shipment. Caraway: Visit https://carawayhome.com/neuro and you can take an additional 10% off your next purchase. Manukora: Head to https://manukora.com/NEURO to save up to 31% plus $25 worth of free gifts with the Starter Kit. Rula: Go to https://rula.com/NEURO to get started today.  Puori: Go to https://puori.com/NEURO and use the code NEURO at checkout for 20% off. *** I'm Louisa Nicola — clinical neuroscientist — Alzheimer's prevention specialist — founder of Neuro Athletics. My mission is to translate cutting-edge neuroscience into actionable strategies for cognitive longevity, peak performance, and brain disease prevention. If you're committed to optimizing your brain — reducing Alzheimer's risk — and staying mentally sharp for life, you're in the right place. Stay sharp. Stay informed. Join thousands who subscribe to the Neuro Athletics Newsletter → https://bit.ly/3ewI5P0 Instagram: https://www.instagram.com/louisanicola_/ Twitter : https://twitter.com/louisanicola_ *** Learn more about Dr. Ray Dorsey's work: Ending Parkinson's DiseaseExplore Parkinson's 25 recommendations in his book The Parkinson's Plan to reduce your risk. Topics discussed: 00:00:00:00 —  Intro  00:01:45:16 — Rising rates of Parkinson's & preventability00:03:59:20 — How it starts & prodrome (decades-long progression).00:05:27:22 — TCE & contaminated water/sites (Camp Lejeune, Woburn, Brooklyn, Silicon Valley). 00:10:36:02 — Dry cleaning exposure (perc), apartments above cleaners. 00:12:31:08 — Pathophysiology I: mitochondria, substantia nigra, alpha-synuclein. 00:17:06:16 — Pathophysiology II: body-first vs brain-first; REM sleep behavior disorder.00:23:52:16 — Diagnosis: clinical features, imaging/biomarkers. 00:25:44:09 — Genetics (12.5%) & environmental susceptibility; TCE history/regulation. 00:29:12:23 — Pesticides: chlorpyrifos, paraquat; golf-course & agricultural exposure. 00:34:14:00 — Consumer guidance: wash produce; prioritize organic meat/dairy; contamination case studies. 00:37:58:11 — Sex differences & exposure sociology; possible estrogen protection. 00:39:37:03 — Management mindset: no cure; reduce exposures; 25 recommendations; occupational risks.00:41:05:15 — Air pollution & purifiers: PM2.5, blood–brain barrier bypass, home monitoring.00:46:53:17 — Water purification: filters vs RO; well-water testing & regulation gaps. Learn more about your ad choices. Visit megaphone.fm/adchoices