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Worried about how consumers will react to your GMO beer? Special Guest: Nick Harris.

Shoot us a Text.Episode #1118: Auto loan approvals are climbing as vehicle demand heats up, Jaguar doubles down on its high-dollar EV future, and a new survey shows U.S. shoppers are still splurging on impulse buys.Show Notes with links:New data shows consumers may finally be catching a break in the auto loan market. Approvals are up, interest in buying is growing, and middle-income shoppers are more willing to make sacrifices to keep their vehicles.The New York Fed says auto loan rejection rates dropped sharply in Q2 2025 to 6.7%, down from a painful 19% last year.14% sought a loan in the past year, and more expect to apply in the coming months.Santander's latest survey shows 55% of middle-income consumers plan to buy a vehicle in the next 12 months, the highest reading in two years.Tariff fears are real: 18% of respondents sped up a big purchase in Q2 because of price uncertainty, with 41% of those buying a vehicle.Santander says this is the first time in eight quarters that buyers outnumber those delaying a purchase — a sign pent-up demand could finally be turning into sales.Jaguar is set on an electric, ultra-luxury future. Despite some loud critics, the brand is preparing a bespoke EV platform and three six-figure models designed to take on the industry's elite.Incoming JLR CEO PB Balaji says the brand's EV strategy is locked in, with positive early feedback from customers.Production of all current Jaguars except the F-Pace ended last year as the company stockpiled inventory.First new model — the GT — is a sleek, 600-hp electric sedan with about 425 miles of range and a $150K price tag, expected late next year as a 2027 model.A large, three-row electric crossover will follow in late 2027 or early 2028.The third entry is rumored to be a large, ultra-luxury electric sedan aimed at Rolls-Royce and Bentley buyers, due around 2030.While many Americans say they're trying to rein in discretionary spending, a new survey shows the vast majority still made at least one unplanned purchase last month.Optimum Retailing survey finds 72% of Americans made an unplanned in-store discretionary purchase in the past month.While 34% plan to cut back in the next six months, sales events (55%), eye-catching displays (45%), and immediate availability (26%) make spending hard to resist.Only 5% said in-store shopping no longer feels “worth it.”Many shoppers are sticking to a budget by cutting dining/takeout (48%), clothing/accessories (44%), and electronics/gadgets (37%).“Consumers today are cautious, but not unengaged… The moment and experience must both feel correct,” said Sam Vise, CEO of Optimum Retailing.Join Paul J Daly and Kyle Mountsier every morning for the Automotive State of the Union podcast as they connect the dots across car dealerships, retail trends, emerging tech like AI, and cultural shifts—bringing clarity, speed, and people-first insight to automotive leaders navigating a rapidly changing industry.Get the Daily Push Back email at https://www.asotu.com/ JOIN the conversation on LinkedIn at: https://www.linkedin.com/company/asotu/

Join us in this enlightening episode of the Holistic Dentistry Show as we dive into the pressing issue of mercury use in dentistry. Our guest, Charles Brown, Executive Director of Consumers for Dental Choice, shares his journey and efforts in advocating for mercury-free dentistry worldwide. Discover the challenges and triumphs in the fight against mercury, and learn how you can contribute to this vital movement. Want to see more of The Holistic Dentistry Show? Watch our episodes on YouTube! Do you have a mouth- or body-related question for Dr. Sanda? Send her a message on Instagram! Remember, you're not healthy until your mouth is healthy. So take care of it in the most natural way.  Key Takeaways: (00:00) Introduction to Mercury-Free Dentistry (03:27) The Minamata Convention and Global Efforts (06:21) California's Battle Against Mercury in Dentistry (09:16) Proposition 65 and Consumer Awareness (12:19) Advocacy for Mercury-Free Dentistry (15:39) Protecting Dental Professionals from Mercury Exposure (18:33) The Role of Dental Amalgam Separators (21:21) Future of Mercury in Dentistry and Consumer Action Guest Information: Charles Brown is a leading advocate for mercury-free dentistry, serving as the Executive Director of Consumers for Dental Choice and President of the World Alliance for Mercury-Free Dentistry. Visit ToxicTeeth.org to learn more and support the cause. Sign up for updates and join the movement at ToxicTeeth.org. Donate during the matching funds week from August 17th to 23rd. Consumers for Dental Choice's website: www.ToxicTeeth.org Connect With Us:  AskDrSanda | YouTube BeverlyHillsDentalHealth.com | Instagram  DrSandaMoldovan.com | Instagram  Orasana.com | Instagram

The Consumer Goods and Services Ombud this week announced consumer complaint statistics for the 2024/25 financial year. In the latest report the ombud facilitated refunds or replacements to consumers to the value of R11.9 million. According to the CGSO , the annual report aims to reflect on what the CGSO has achieved but also why their work matters. The theme this year is accessibility. CGSO has found that many of the most vulnerable consumers in poor and rural communities remain unaware of their rights or uncertain on how to enforce them. For more we are now joined on the line by Consumer Goods and Services Ombud Chief Executive Officer ,Queen Munyai

On this episode of "The Federalist Radio Hour," Executive Director of Consumers' Research Will Hild joins Federalist Senior Elections Correspondent Matt Kittle to analyze corporations' efforts to cover up their embrace of radical LGBT and racial quota policies and discuss the movement to expose and push back on that wokeness. If you care about combating the corrupt media that continue to inflict devastating damage, please give a gift to help The Federalist do the real journalism America needs.

Our U.S. Thematic and Equity Strategist Michelle Weaver discusses what back-to-school spending trends reveal about consumer sentiment and the U.S. economy.Read more insights from Morgan Stanley.----- Transcript -----Michelle Weaver: Welcome to Thoughts on the Market. I'm Michelle Weaver, Morgan Stanley's U.S. Thematic and Equity Strategist here at Morgan Stanley.Today -- we're going back to school! A look at the second biggest shopping season in the U.S.. And what it can tell us about the broader market.It's Friday, August 8th, at 10am in New York.It's that time of the year again. With parents, caregivers and students making shopping lists for back-to-school supplies. And it's not just limited to school supplies and backpacks. It probably also includes laptops or tablets, smart phones and, of course, the latest clothes. For investors, understanding how consumers are feeling—and spending—right now is critical. Why? Because back-to-school spending tells us a lot about consumer sentiment. And this month's data has been sending some mixed but meaningful signals.Let's start with the mood on Main Street. According to our latest proprietary consumer survey, confidence in the economy is sliding. Just under one-third of consumers think the economy will improve over the next six months—which is down from 37 percent last month and 44 percent in January. And that's a pretty big drop from the start of the year. Meanwhile, half of all consumers expect the economy to get worse.Household finances are also feeling the squeeze. While around 40 percent expect their financial situation to improve, closer to 30 percent expect it to worsen. The net score is still positive, but down from last month and even more so from January.The takeaway? Consumers are feeling the pinch—and inflation remains their number one concern.We did see a bit of a brighter picture though around tariff fears. And tariffs are definitely still a worry, but we're past that point of peak fear. This month, over a third of consumers said they're “very concerned” about tariffs—down from 43 percent in April, post Liberation Day. And fewer people are planning to cut back on spending because of them: that number is just 30 percent now, compared to over 40 percent a few months ago.In fact, almost 30 percent of consumers actually plan to spend more despite tariffs. That's a sign of resilience—and perhaps necessity—as families prepare for the school year.And that brings us back to back-to-school shopping, which is a relative bright spot.Nearly half of U.S. consumers have already shopped or are planning to shop for the school year—right in line with what we saw in previous years. Among those shoppers, 47 percent are spending more than last year, while only 14 percent plan to spend less. That's a significant net positive at 34 percent.What's in the cart? More than 90 percent of shoppers are buying apparel, footwear, and school supplies. Apparel leads, followed by footwear, followed by supplies.If we look beyond the classroom at other things people are spending on, travel is still a priority. Around 60 percent of consumers plan to travel over the next six months, with visiting friends and family as the top reason. That's consistent with where we were a year ago and shows that experiences still matter—even in uncertain times.The big takeaway from all this data: Consumer sentiment is cooling, but spending—especially spending for seasonal needs—is holding up. Back-to-school categories like apparel and footwear are outperforming, making them potential bright spots for retailers.As we head into fall, keep your eyes on U.S. consumers. They're not just shopping for school—they're also signaling where the market could be headed next.Thanks for listening. If you enjoy the show, please leave us a review wherever you listen and share Thoughts on the Market with a friend or colleague today.

Looking 4 Healing Radio with Elizabeth Joseph – Labels with terms like “all natural,” “non-GMO,” or “organic” can be misleading, especially when used as broad marketing tools rather than scientifically verified claims. Consumers are urged to look beyond marketing phrases and review full ingredient lists carefully rather than relying on verbal assurances from retail employees, many of whom lack...

Fires explode overnight in California amid record-breaking heat. And the impact of President Trump's sweeping tariffs. Plus, Bed Bath & Beyond is back! The company is opening its first new store today since filing for bankruptcy – what the big return means for those coupons you may still have.

The historically strong relationship between sentiment and consumer spending has decayed over the last few years. Although households have thus far persevered through the frustration of rapid price increases and higher interest rates this cycle, the University of Michigan's consumer sentiment survey has begun flashing new hints for a future pullback in personal consumption. In this episode, we talk with Joanne Hsu, Director of the Surveys of Consumers at the Institute for Social Research at the University of Michigan, about the mechanics of the U Mich survey, understanding post-pandemic economic resilience amid persistent pessimism, and why deteriorating sentiment this year could presage a downturn.

SBS Finance Editor Ricardo Gonçalves speaks with Heath Moss from HLM Investors about the day's market action including an in-depth look at the Nick Scali and QBE results, along with Donald Trump's new pick for a temporary role at the Federal Reserve Board.

Will the stock market crash? With the market continuing to march higher and setting record high after record high, I do worry more and more that a crash could be coming. It doesn't mean it will happen tomorrow, next week, or maybe even this year, but I do believe the risk to reward of investing in the S&P 500 at this point is not favorable when you take all the data into consideration. I have talked a lot about the fact that the top 10 companies now account for nearly 40% of the entire index and the forward P/E multiple of around 22x is well above the 30-year average of 17x, but there are also less discussed factors that are quite concerning. There is something called the Buffett Indicator that looks at the total US stock market value compared to US GDP. Buffet even made the claim at one point that this was “the best single measure of where valuations stand at any given moment." The problem here is that it now exceeds 200%, which is a historic high and well above even the tech boom when it peaked around 150%. Another concerning measure is the Shiller PE ratio, which looks at the average inflation-adjusted earnings from the previous 10 years in relation to the current price of the index. This is now at a multiple around 39x, which is well above the 30-year average of 28.3 and at a level that was only seen during the tech boom. While valuation isn't always the best indicator for what will happen in the next year, it has proven to be a successful tool for long term investing. Unfortunately, valuations aren't my only concern. Margin expansion is even more frightening as the reliance on debt can derail investors. Margin allows investors to buy stocks with debt, but the big problem is if there is a decline and a margin call comes the investor would either have to add more cash or make sells, which causes a further decline in the stock due to added selling pressure. Margin debt has now topped $1 trillion, which is a record, and it has grown very quickly considering there was an 18% increase in margin usage from April to June. This was one of the fastest two month increases on record and rivals the 24.6% increase in December 1999 and the 20.3% increase in May 2007. In case you forgot, both of the periods that followed did not end well for investors. Looking at margin as a share of GDP, it is now higher than during the dot-com bubble and near the all-time high that was reached in 2021. One other concern with the margin level is it does not include securities-based loans, which is another tool that leverages stock positions and if there is a decline could cause added selling pressure. Unfortunately, this data is not as easy to find since they are lumped in with consumer credit. The most recent estimate I could find was in Q1 2024, they totaled $138 billion and with the risk on mentality that has occurred, my assumption is the total would be even higher now. We have to remember that we now are essentially 18 years into a market that has always had a buy the dip mentality. Even pullbacks that occurred in 2020 and 2022 saw rebounds take place quite quickly. This has created a generation of investors that have not actually experienced a difficult market. I always encourage people to study the tech boom and bust as it was devastating for investors. The S&P 500 fell 49% in the fallout from the dotcom bubble and it took about 7 years to recover. Investors in the Nasdaq fared even worse as they saw a 79% drop and it took 15 years to get back to those record levels. Unfortunately, this isn't the only historical period that saw difficult returns. If you look back to the start of 1964, the Dow was at 874 and by the end of 1981 it gained just one point to 875. This was an extremely difficult period that saw Vietnam War spending, stagflation, and oil shocks, but it again illustrates that difficult markets with little to no advancement can occur. So, with all of this, how are we investing at this time? We are maintaining our value approach, which generally holds up much better in difficult markets. For comparison, the Russell 1000 Value index was actually up 7% in 2000 while the Russell 1000 Growth index fell 22.4% that year. We are also maintaining our highest cash position around 25% since at least 2007.  I continue to believe there are opportunities for investors, it just requires discipline and patience. One other person remaining patient at this time is Warren Buffett. Berkshire now has near a record cash hoard of $344.1 billion and the conglomerate has been a net seller of stocks for the 11th quarter in a row. I'd rather follow people like Buffett at times like this over the Meme traders that have become popular once again.   Consumers are doing a better job managing their credit card debt  Data released by Truist Bank analysts show that card holders of both higher and lower scores are doing a better job paying their bills on time. This is based on a drop in the rate of late payments from last quarter. Also improving is debt servicing payments as a percent of consumers disposable personal income. The first quarter shows debt-servicing payments were roughly 11% of disposable income, which is a strong ratio to see considering that level is below what was typical before the start of 2020 and it's far below the 15%-plus levels that were seen leading up to the Great Recession in 2008. According to Fed data, card loan growth was only 3% year over a year, which could be due to lenders increasing their credit standards. Stricter standards also made it more difficult for subprime borrowers to obtain new credit cards considering the fact that as a share of new card accounts, this category accounted for just 16% of all new accounts. This was down roughly 7% from the last quarter in 2022 when it was 23%. Consumers may also be more aware of the high interest costs considering rates stood at 22% as of May. There has been a decrease in rates from the peak last year, but Fed data reveals before interest rates began rising in 2022 interest rates stood at 16% for card accounts. If the Fed were to drop rates a couple of times between now and the end of the year, we could see a small decline in the rate. With that said borrowing money on a credit card and accruing interest is a terrible idea as even a 16% rate would not be worth it!    Real estate investors may be supporting the real estate market. This may sound like a good thing, but this could be dangerous long-term since investors don't live at the property. It would be far easier for them to default on the mortgage and let the house go into foreclosure or sell at a price well below market value just to get their investment back. So far in 2025 investors have accounted for roughly 30% of sales of both existing and newly built homes, which is the highest share on record. This is according to property analytics firm Cotality and they started tracking the sales 14 years ago. Most of these investors were small investors, who own fewer than 100 homes as they accounted for roughly 25% of all purchases. This compares to large investors which accounted for only 5% of purchases of new and existing homes. Within the small investor space, the stronger category is those with just 3-9 properties as this group has accounted for between 14 and 15% of all sales each month this year. The data also shows that the large investors like Invitation Homes and Progress Residential have become net sellers in the market and are selling more properties than they are buying. This is likely due to reduced rents from the high competition in the rental market and a softening of the overall real estate market in certain areas that has not provided the expected return that they wanted. I do worry that the small investor here has less access to good data and is less disciplined with their investment strategy. They are likely buying homes because real estate has been a good investment for the last several years, but if the market were to turn, they would be more likely to panic and sell and they may not have the means to continue holding the real estate. I do believe if interest rates remain, housing prices could remain stable or perhaps even drop a little bit. It's important to remember long term mortgage rates generally stem from longer term debt instruments like a 10-year Treasury, rather than the short-term discount rate set by the Fed.   Financial Planning: When and How a Refinance is Helpful After several years of elevated mortgage rates, steady declines have made more homeowners candidates for refinancing, but a smart decision requires looking beyond the headline interest rate. The first question is whether the refinance actually reduces the rate, and if so, what third-party closing costs and discount points are involved. Every mortgage carries these costs, and paying points may not make sense if rates are expected to fall further and another refinance could be on the horizon, especially since few 30-year mortgages last their full term before a sale or another refi. The structure of the new loan also matters: should costs be paid upfront or rolled into the loan balance, and how long will the loan likely be kept? The real goal is to borrow at the lowest overall cost over the life of the loan, factoring in both the rate and the cost to obtain it. A lower rate and payment may feel like a win, but without careful structuring, it may not be the most cost-effective move, something mortgage brokers often overlook when focusing solely on rate reduction. Here's a real example from just last week. A homeowner with a $580,000 mortgage at 6.875% and a $3,900 monthly payment has the opportunity to refinance to 5.5%, lowering the payment to $3,500 with no additional cash due at closing, and saving roughly $80,000 in total interest over the life of the loan. At first glance, this looks like a no-brainer. However, this structure would only be ideal if the homeowner never had another chance to refinance, which is unlikely given their current rate of 6.875%. In this case, all costs were rolled into a new loan balance of $616,000—an increase of $36,000—explaining why no cash was required at closing. A better approach might be to refinance to a rate only slightly lower than 6.875%, still reducing both the monthly payment and lifetime interest, but without dramatically increasing the loan balance by rolling in discount point costs. Refinances can continue as long as rates are expected to decline, and the best time to pay points is in a “final” refinance when rates are no longer expected to drop so the benefit can be locked in for the long term.   Companies Discussed: Carrier Global Corporation (CARR), Polaris Inc. (PII) & Align Technology, Inc. (ALGN)

Alibaba Group's grocery retail arm Hema, also known as Freshippo, has officially exited the membership store business, shuttering all Hema X locations as it pivots toward more profitable formats amid intensifying competition in China's retail market.阿里巴巴集团旗下的杂货零售部门盒马鲜生（也称为Freshippo）已正式退出会员店业务，关闭了所有盒马X门店，因为它在中国零售市场竞争加剧的情况下转向了更有利可图的模式。Hema said that its Shanghai Senlan store, the last remaining Hema X location, will cease operations on Aug 31. The closure follows the shutdown of stores in Beijing; Suzhou and Nanjing of Jiangsu province in late July. After the Senlan store closure, Hema will no longer operate any stores under the membership model.盒马表示，其上海森兰店是盒马X最后一家门店，将于8月31日停止运营。在北京门店关闭之后，该店也随之关闭；7月下旬，江苏省苏州市和南京市。森兰门店关闭后，盒马将不再以会员模式经营任何门店。Customers holding Hema X memberships — priced at 258 yuan annually for Gold and 658 yuan for Diamond — will be eligible for refunds or can transfer benefits to other Hema formats.持有盒马X会员资格的客户（金卡年费258元，钻石卡年费658元）将有资格获得退款，或者可以将福利转移到其他盒马格式。The move signals the end of Hema's experiment with membership stores, which the company once positioned as a "second growth curve" akin to US membership giants Costco and Sam's Club.此举标志着盒马对会员店的实验结束，该公司曾将会员店定位为类似于美国会员巨头好市多和山姆会员店的“第二增长曲线”。The first Hema X opened in Shanghai in October 2020. By October 2023, the format had expanded to 10 stores across key cities.第一家盒马鲜生X于2020年10月在上海开业。到2023年10月，该模式已扩展到主要城市的10家门店。Hema management made a strategic call earlier this year to concentrate resources on Freshippo and Hema neighbor business, both of which are showing stronger growth momentum.今年早些时候，盒马管理层发出战略呼吁，将资源集中在Freshippo和盒马NB（邻居业务）上，这两家公司都显示出更强劲的增长势头。In an internal letter at the end of 2024, Hema CEO Yan Xiaolei reaffirmed confidence in the company's Hema NB format, with a goal to expand to 300 stores in fiscal year 2025.在2024年底的一封内部信中，盒马首席执行官严筱磊重申了对公司盒马NB模式的信心，目标是在2025财年将门店扩展到300家。According to Alibaba's latest annual report, Hema plans to deepen its presence in emerging cities and counties, with a focus on value-driven formats. The company's gross merchandise value surpassed 75 billion yuan in fiscal year 2025, and its adjusted earnings before interest, taxation and amortization turned positive for the first time. Freshippo now operates over 420 stores, with online orders contributing more than 60 percent of sales.根据阿里巴巴最新的年度报告，盒马计划深化其在新兴城市和县的业务，重点是价值驱动型业态。该公司2025财年的商品总价值超过750亿元，调整后的息税摊销前利润首次转为正值。Freshippo目前经营着420多家商店，在线订单占销售额的60%以上。Analysts said the collapse of Hema X highlights the challenges Chinese retailers face in replicating the US membership model.分析人士表示，盒马鲜生X的倒闭凸显了中国零售商在复制美国会员模式方面面临的挑战。"Hema X charged membership fees, but it never truly validated a mature model," said Jason Yu, general manager of CTR Market Research. "It faced pressure from both global competitors like Sam's Club and domestic players, but lacked strong differentiation in product assortment and customer experience."CTR市场研究总经理Jason Yu表示：“盒马鲜生收取会员费，但它从未真正验证过一个成熟的模式。”。“它面临着来自山姆会员店等全球竞争对手和国内企业的压力，但在产品组合和客户体验方面缺乏强大的差异化。”While Sam's Club benefits from a global supply chain and robust local procurement, most Chinese entrants lack comparable sourcing and private-label development capabilities, said Yu.余表示，虽然山姆会员店受益于全球供应链和强大的本地采购，但大多数中国进入者缺乏可比的采购和自有品牌开发能力。"Costco has started to localize its assortment, but the offering still leans heavily toward an American lifestyle that doesn't fully align with Chinese consumer habits," Yu said. "Omnichannel capabilities also remain weak — there's no front-end warehouse system to support fast delivery expectations."余说：“好市多已经开始对其产品进行本地化，但产品仍然严重倾向于与中国消费者习惯不完全一致的美国生活方式。”。“全渠道能力也仍然薄弱——没有前端仓库系统来支持快速交付的期望。”Hema's retreat from the warehouse format also reflects broader changes in Chinese consumer behavior, particularly among middle- and high-income shoppers.盒马放弃仓储模式也反映了中国消费者行为的更广泛变化，尤其是在中高收入消费者中。"High-income households still value product quality and freshness, but they've become increasingly rational," said Laura Liu, senior research analyst at market observer Mintel China. "We're seeing more of them shift toward fresh-product discount stores, which offer a better price-to-value balance."市场观察机构英敏特中国的高级研究分析师Laura Liu表示：“高收入家庭仍然重视产品质量和新鲜度，但他们已经变得越来越理性。”。“我们看到越来越多的人转向新鲜产品折扣店，这提供了更好的性价比平衡。”According to Mintel, shoppers are no longer loyal to a single retail format. Instead, they alternate between warehouse stores and discount channels depending on purchase scenarios. This crossover trend reflects a broad shift toward flexible, needs-based consumption.据英敏特称，购物者不再忠于单一的零售模式。相反，他们根据购买场景在仓库商店和折扣渠道之间交替。这种交叉趋势反映了向灵活、基于需求的消费的广泛转变。Hema is doubling down on its discount Hema NB format to capture this evolving demand.为了满足这一不断变化的需求，盒马正加倍努力推出折扣版盒马NB。Consultancy Kantar Worldpanel data show that Hema NB boosted its penetration by 1.6 percentage points in eastern China during the first quarter of 2025, outpacing growth in traditional retail formats. Overall, Freshippo's reach grew 1.3 percentage points year-on-year in the first quarter.咨询公司凯度消费者指数的数据显示，2025年第一季度，盒马NB在中国东部的渗透率提高了1.6个百分点，超过了传统零售业态的增长。总体而言，Freshippo的覆盖率在第一季度同比增长了1.3个百分点。The company has also accelerated store openings, averaging one new location every five days in 2024.该公司还加快了店铺的开业速度，2024年平均每五天就有一家新店开业。The NB format, focused on community-based stores offering aggressively priced fresh goods and snacks, has shown particular strength in town-level markets. In the first quarter, discount snack store penetration reached 18 percent, with southern and lower-tier regions seeing the fastest growth.NB模式侧重于以社区为基础的商店，提供价格高昂的新鲜商品和小吃，在城镇市场表现出了特别的优势。第一季度，折扣小吃店的渗透率达到18%，其中南部和低线地区增长最快。"Consumers are seeking more value without compromising on quality," Liu said. "Discount retailers that deliver on both fronts are well-positioned to capture share in this new retail landscape."刘说：“消费者在不牺牲质量的情况下寻求更多的价值。”。“在这两个方面都提供服务的折扣零售商处于有利地位，可以在这个新的零售格局中占据份额。”closuren.（永久地）停业/ˈkləʊʒə/warehousen.仓库、货仓/ˈweəhaʊs/

SBS Finance Editor Ricardo Gonçalves speaks with Heath Moss from HLM Investors about the day's market action including an in-depth look at the Nick Scali and QBE results, along with Donald Trump's new pick for a temporary role at the Federal Reserve Board.

As yet another tranche of Donald Trump's tariffs takes effect, we look at why the duties might outlast him—and how American consumers will ultimately shoulder the trade war's costs. Our correspondent visits US Space Command, which is preparing for a new age of combat in the heavens. And Gen Z's obsession with big, personalised water bottles.Get a world of insights by subscribing to Economist Podcasts+. For more information about how to access Economist Podcasts+, please visit our FAQs page or watch our video explaining how to link your account. Hosted on Acast. See acast.com/privacy for more information.

As yet another tranche of Donald Trump's tariffs takes effect, we look at why the duties might outlast him—and how American consumers will ultimately shoulder the trade war's costs. Our correspondent visits US Space Command, which is preparing for a new age of combat in the heavens. And Gen Z's obsession with big, personalised water bottles.Get a world of insights by subscribing to Economist Podcasts+. For more information about how to access Economist Podcasts+, please visit our FAQs page or watch our video explaining how to link your account.

In This Episode This week on Breaking Banks, we focus on a fundamental topic in financial services: trust. Trust is the cornerstone of any successful banking relationship. Consumers trust their financial institutions to protect their information and funds—and that trust is warranted. We have guarantees like FDIC insurance to back it up. The importance of trust is acutely felt in community banking. In this episode, Jason Henrichs introduces us to Carie Kelly, Senior Vice President and Digital Banking Officer at Claremont Savings Bank, and Stephen Lewis, President and CEO of Thomaston Savings Bank. Listen in as they talk about trust, what their community banks are doing to build and enhance it, and how they're preparing for advanced issues in banking. A $124 trillion opportunity in the U.S. lies in the current transfer of intergenerational wealth. Emily Cisek, Founder and CEO of Paige—a comprehensive life planning and succession software platform for families and small businesses—joins us to discuss a recent partnership with both Claremont Savings Bank and Thomaston Savings Bank, helping them serve as trusted advisors in generational transitions. It's an engaging episode with implications and applications for all generations and age groups. Enjoy the episode, and let us know what you think!

In the 6 AM hour, Larry O’Connor and Bethany Mandel discussed: WJLA: Fairfax County Schools Investigates Claims Staff Arranged Abortions for Students INTERVIEW: WILL HILD (Executive Director, Consumers' Research) on 'Debanking' NY POST: Cats Keep Drowning in Amsterdam’s Canals — So the City Came Up With a Clever Plan to Save Feline Lives Where to find more about WMAL's morning show: Follow Podcasts on Apple, Audible and Spotify Follow WMAL's "O'Connor and Company" on X: @WMALDC, @LarryOConnor, @JGunlock, @PatricePinkfile, and @HeatherHunterDC Facebook: WMALDC and Larry O'Connor Instagram: WMALDC Website: WMAL.com/OConnor-Company Episode: Thursday, August 7, 2025 / 6 AM HourSee omnystudio.com/listener for privacy information.

WMAL GUEST: WILL HILD (Executive Director, Consumers' Research) WEBSITE: ConsumersResearch.org SOCIAL MEDIA: X.com/WillHild Where to find more about WMAL's morning show: Follow Podcasts on Apple, Audible and Spotify Follow WMAL's "O'Connor and Company" on X: @WMALDC, @LarryOConnor, @JGunlock, @PatricePinkfile, and @HeatherHunterDC Facebook: WMALDC and Larry O'Connor Instagram: WMALDC Website: WMAL.com/OConnor-Company Episode: Thursday, August 7, 2025 / 6 AM HourSee omnystudio.com/listener for privacy information.

August 7, 2025 ~ Chris, Lloyd, and Jamie talk with Michael Negron, former special assistant to the president for economic policy, about new tariffs primarily impacting American businesses importing products.

Relebogile Mabotja speaks to Consumer Journalist, Wendy Knowler about consumers not understanding the implications of transacting with legitimate online platforms that host third-party suppliers, commonly referred to as marketplaces.See omnystudio.com/listener for privacy information.

It's a haphazard way of paying workers, and yet it keeps expanding. With federal tax policy shifting in a pro-tip direction, we revisit an episode from 2019 to find out why. SOURCES:John List, economist at the University of Chicago.Michael Lynn, professor of consumer behavior and marketing at Cornell University's School of Hotel Administration.Uri Gneezy, economist at the University of California, San Diego's Rady School of Management.Danny Meyer, founder of Union Square Hospitality Group, and founder and chairman of the board of Shake Shack. RESOURCES:"How ‘No Tax on Tips' Will Affect Waiters, Drivers and Diners," by Julia Moskin (New York Times, 2025).“The Drivers of Social Preferences: Evidence from a Nationwide Tipping Field Experiment,” by Bharat Chandar, Uri Gneezy, John List, and Ian Muir (The National Bureau of Economic Research, 2019).“Design and Analysis of Cluster-Randomized Field Experiments in Panel Data Settings,” by Bharat Chandar, Ali Hortacsu, John List, Ian Muir, and Jeffrey Wooldridge (The National Bureau of Economic Research, 2019).“The Effects of Tipping on Consumers' Satisfaction with Restaurants,” by Michael Lynn (The Journal of Consumer Affairs, 2018).“The Importance of Being Marginal: Gender Differences in Generosity,” Stefano DellaVigna, John List, Ulrike Malmendier, and Gautam Rao (The American Economic Review,  2013).“Restaurant Tipping and Service Quality: A Tenuous Relationship,” by Michael Lynn (The Cornell Hotel and Restaurant Administration Quarterly, 2001). EXTRAS:“The No-Tipping Point,” by Freakonomics Radio (2016).“Should Tipping Be Banned?” by Freakonomics Radio (2013).

Are US tariffs about to end the ‘add to cart’ era? President Donald Trump’s move to end the de minimis exemption closes a loophole used by Shein, Temu, and others to ship duty-free. With costs likely passed to shoppers, consumers are starting to rethink the real price of ultra-cheap clothing. In this episode: Aja Barber (@ajabarber), Author, Consumed Episode credits: This episode was produced by Noor Wazwaz, Amy Walters, Sonia Bhagat, and Sarí el-Khalili, with Phillip Lanos, Spencer Cline, Marya Khan, Melanie Marich, Kisaa Zehra, and our host, Malika Bilal. It was edited by Kylene Kiang. Our sound designer is Alex Roldan. Joe Plourde mixed this episode. Our video editors are Hisham Abu Salah and Mohannad al-Melhem. Alexandra Locke is The Take’s executive producer. Ney Alvarez is Al Jazeera’s head of audio. Connect with us: @AJEPodcasts on X, Instagram, Facebook, and YouTube

Kevin discusses some of the blowback and additional information surrounding the firing of the Commissioner of the U.S. Bureau of Labor Statistics. Additionally, Kevin covers the following stories: The University of Michigan released their Final Survey of Consumers for July; Trucking Reacts to Trump's Sweeping Tariffs; Kevin has the details discusses the data, puts the information into historic perspective, offers an opinion or two and his insights. Oil and gas prices react to OPEC+ increasing crude oil outputs and worries of weaker global demand concerns over President Trump's threats of higher tariffs on India over Russian oil purchases.

Ivan Feinseth has a $110 price target on Uber Technologies (UBER), believing the company can greatly benefit from robotaxi tech. He adds that the company's $20 billion buyback is a stamp of confidence from Uber that it can add to its cash flow. Greg Halter says that cash flow is what originally attracted him to the name. Management commentary on the consumer adds to his bull case on the stock.======== 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

Lou Borrelli on Empowering 650+ Members Through Shared Innovation and the AI Center of Excellence “Connectivity is king. Without connectivity, you don't really have a business.” — Lou Borrelli, CEO, National Content & Technology Cooperative (NCTC) In this in-depth conversation with Doug Green, Publisher of Technology Reseller News, Lou Borrelli, CEO of the National Content & Technology Cooperative (NCTC), shares the evolution of an organization born from a Kansas City poker game into a powerful force connecting over 650 members across all 50 states and U.S. territories—and over 40 million broadband users. What began 41 years ago as a content-buying co-op for small and medium-sized cable operators has transformed into a modern technology and content hub, offering members buying power not just for programming, but also for hardware, software, broadband, mobile services, and now AI-driven solutions. At the heart of the conversation is NCTC's latest initiative: the AI Center of Excellence (AICOE). This strategic program is currently in its second phase, piloting AI applications for network monitoring, customer service, and predictive maintenance—all designed to help smaller operators stay competitive with national giants like Comcast and Charter. Borrelli emphasizes real convergence—not just of telecom technologies, but of content, connectivity, mobility, and AI. With the explosion of digital tools, even the smallest provider can now offer scalable, competitive services thanks to shared innovation and cooperative economics. From rural Kentucky to the suburbs of Boston, NCTC members benefit from centralized procurement, support, and emerging service models. The conversation also previews The Independent Show, NCTC's signature annual event, which brings together technologists and content creators. Borrelli calls it “the last great cable convention,” providing a unique venue for collaboration amid an increasingly fragmented media landscape. On the topic of content delivery, Borrelli is blunt: “Discovery is broken.” He points to the decline of unified cable guides and the rise of app-based content chaos. Consumers are subscribing, unsubscribing, and re-bundling content in real time—often recreating cable-like bills through a mix of streaming services. NCTC is exploring ways to aggregate and simplify the content experience while delivering sustainable value to customers and members. He also critiques the state of U.S. regulatory policy, calling for an overhaul of retransmission consent rules and emphasizing that consumers haven't truly “cut the cord”—they've unbundled it. For service providers, MSPs, or content vendors wondering if they have a place in the NCTC ecosystem, Borrelli extends a clear invitation: “If you have products or services that help our members succeed, we're open for business.” Learn more about NCTC and how your technology or content can help shape the next phase of convergence: https://www.nctconline.org.

General Motors says it lost more than $1 billion in profits due to tariff costs - adding to growing evidence that American companies and consumers, not exporters, are footing the bill from President Donald Trump's trade war.Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Kevin discusses some of the blowback and additional information surrounding the firing of the Commissioner of the U.S. Bureau of Labor Statistics. Additionally, Kevin covers the following stories: The University of Michigan released their Final Survey of Consumers for July; Trucking Reacts to Trump's Sweeping Tariffs; Kevin has the details discusses the data, puts the information into historic perspective, offers an opinion or two and his insights. Oil and gas prices react to OPEC+ increasing crude oil outputs and worries of weaker global demand concerns over President Trump's threats of higher tariffs on India over Russian oil purchases.

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Consumers turn to Pinterest for inspiration on everything from design and fashion to meal prep and so much more. Rachel Hardy, director of consumer product marketing for Pinterest, joins us to share how the brand captures such a wide and engaged audience. We explore the consumer outlook and emerging trends for 2025, including mobile spending, AI optimization and personalized shopping. (00:00:00) Introductions(00:01:26) Pinterest's young and engaged audience (00:03:04) Hardy's career journey (00:06:20) Emerging consumer behaviors (00:12:16) Pinterest predicts 2025 trends (00:15:11) Retail challenges and opportunities for 2025 (00:21:24) Hardy's learnings and inspirations The National Retail Federation is the world's largest retail trade association.Every day, we passionately stand up for the people, policies and ideas that help retail succeed.Resources:• pinterest.com• Get ready for Retail's Big Show in NYC• Become an NRF member and join the world's largest retail trade association• Learn about our retail education platform, NRF Foundation, at nrffoundation.org• Learn about retail advocacy at nrf.com/advocacy• Find more episodes at retailgetsreal.comRelated:• Retail trends to watch in 2025• What to know about the consumer in 2025

In this episode of Consumers of Culture, host Olumide Yerokun—founder of Pidgin English Co.—dives into the moves, moments, and mindsets shaping Africans in America today. From sports ownership to sneaker collabs, we're talking about the people and brands rewriting the playbook.This week's lineup:Issa Rae & Tems join the ownership group of San Diego Wave FC https://www.mlssoccer.com/news/grammy-winner-tems-joins-san-diego-fc-ownership-grouphttps://www.mlssoccer.com/news/issa-rae-joins-san-diego-fc-ownership-as-club-partnerTobe Nwigwe teams up with Reebok for a one-of-a-kind sneaker drop https://www.instagram.com/reel/DGybQ5tyuEv/Mifland x Atlanta Falcons Pop-Up shows how luxury craftsmanship and sports collide https://www.instagram.com/p/DC1lqesx0dh/?img_index=6Olumide breaks down why ownership matters, how Black creatives are turning influence into equity, and what these cultural shifts mean for visibility in legacy industries. Plus, in Put Me On, we spotlight Mifland and the importance of Black luxury brands.If you're here for stories that connect culture, business, and the African diaspora—you're in the right place.Tap in, share with a friend, and let's build the conversation.

Most consumers believe that it's the consumers who are bearing most, if not all, of the increased costs created by tariffs. So what's the impact? Perception, whether real or not, can impact consumer sentiment, and we're seeing that in the marketplace today. This represents another challenge for retailers. One key recommendation is to focus on transparency when it comes to pricing today. Show how the cost of tariffs is being shared by both your business and consumers alike, as opposed to your customers having to foot all of the increased costs.

Explosive wildfires raging across the West; Consumers brace for more tariff uncertainty; Growing battle over Texas redistricting plan Learn more about your ad choices. Visit podcastchoices.com/adchoices

Want to be the first to know about the re-launch of Her Voice by Design™? Be sure you are on our email list by getting our latest free Human Design report www.julieciardi.com/map So excited you can't wait?  Email team@julieciardi.com and say "voice" and we will send you the info when it launches Wednesday morning!  

Chuck Zodda and Paul Lane preview the important earnings reports this week that could potentially answer some crucial questions for the direction of economic sectors. Rebecca Risk, Robert Half, joins the show to chat about worker mobility trends. Millennials are richer but can't stop worrying. Apple's CEO tells employees that AI is 'ours to grab.'  Is buy-now pay-later just a new debt tool for a younger generation? Delta is getting blowback for latest pricing strategy. 

RJ Hottovy looks at fast food stocks, from McDonald's (MCD) to Restaurant Brands (QSR). RJ notes that these restaurants are also seeing pressure from low-cost grocery outlets like Aldi's or dollar stores. Consumers are “continuously seeking out deals” without brand loyalty, he argues, but a chain of promotions is the best way to lure repeat customers. “Breakfast is still a challenge for a lot of these chains,” he adds.======== 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

Satyan Merchant, who is senior vice president and auto and mortgage business leader at TransUnion, made another appearance on the Auto Remarketing Podcast. This time, the focus of the conversation is opportunities for auto refinancing. TransUnion indicated approximately 18 million are considered “in-the-money” for refinancing.

In this podcast, we speak with Ashwin Rodrigues, Secretary of the Wine Growers Association of India and a trained winemaker, about the recent Indian Wine Buyer–Seller Meet held in Sydney on July 28, 2025. Organised by the Association with support from APEDA and the Indian government, the event showcased premium Indian wines and explored how such initiatives can help strengthen the presence of Indian wines in the Australian market.

Our podcast show being released today commemorates the one-year anniversary of the U.S. Supreme Court's opinion in Loper Bright Enterprises - the opinion in which the Court overturned the Chevron Deference Doctrine. The Chevron Deference Doctrine stems from the Supreme Court's 1984 decision in Chevron v. Natural Resources Defense Council. The decision basically held that if federal legislation is ambiguous the courts must defer to the regulatory agency's interpretation if the regulation is reasonable. My primary goal was to identify a person who would be universally considered one of the country's leading experts on administrative law and, specifically the Chevron Deference Doctrine and how the courts have applied the Roper opinion. I was very fortunate to recruit Cary Coglianese, Edward B. Shils Professor of Law at Penn Law School and Director of the Penn Program on Regulation. In this episode we explore two of his recent and widely discussed papers, titled “Loper Bright's Disingenuity” and “The Great Unsettling: Administrative Governance After Loper Bright” Here are the questions that we discussed with Professor Coglianese: Let's start at the beginning. What is the Chevron case all about? How did the Court in Loper Bright explain why it was overruling Chevron? You have a new article coming out later this year in the University of Pennsylvania Law Review called “Loper Bright's Disingenuity,” co-authored with David Froomkin of the University of Houston. What do you and Professor Froomkin mean by the title of your article?  In your article, you critique what you call the Court's “facile formalism.” What do you mean by that? You also criticize the way the Court based its decision in Loper Bright on the Administrative Procedure Act or APA. What exactly was problematic about the Court's APA analysis?  Let's shift gears from your analysis of the logic of the Loper Bright opinion to talk about what the decision's effects have been so far and what its effects ultimately might be on the future of administrative government in the United States. You have another article on Loper Bright that was recently published in the Administrative Law Review and coauthored with Dan Walters of Texas A&M Law School. It has another provocative title: “The Great Unsettling: Administrative Governance After Loper Bright.”  What do you mean by the “Great Unsettling”?  Although you say that it is hard to predict exactly what impact Loper Bright will have on the future of administrative government, you also acknowledge that the decision has created a “symbolic shock” and is likely to “punctuate the equilibrium of the administrative governance game as we have come to know it.”  Can we see any effects so far in terms of how Loper Bright is affecting court decisions?  For example, let's start with the Supreme Court itself. Has it had anything more to say about Loper Bright in decisions it's handed down this past year? If we look at the lower courts, what can we discern about how Loper Bright has been received in federal district courts or courts of appeals?  Are there any trends that can be observed? I'd like to bring things full circle by raising a metaphor you and Professor Walters use in your article, “The Great Unsettling.” You say there that the Loper Bright “decision might best be thought of as something of a Rorschach test inside a crystal ball.” What do you mean? Can you tell us what you see inside your crystal ball? Alan Kaplinsky, the founder and former chair and now Senior Counsel of the Consumer Financial Services Group hosted the podcast show.  

J.D. Power proves that we all have a collective, “Automotive Stockholm Syndrome”. Consumers say they hate screens in cars, yet they're buying them in record numbers. I discuss that and some other surprising discoveries in the study.Check out the Amazing Work SEMA is doing and Support the Initiatives in YOUR State!Listen on the Radio in Colorado!AM1460 & FM 101.1 The Answer - Saturdays at 9am, Sundays at 6pm100.7 The Word - Saturdays at 7pm91.7 KLZR - Saturdays at 10:30amNow On Video!Rumble.com/automotiveadhdhttps://www.youtube.com/channel/UCUkSzh2ny2Idb4S3lC0qeYAhttps://www.tiktok.com/@automotiveadhdpodcastSupport the Show!thespeedcouncil.orgSend in Your Car Sounds!facebook.com/automotiveadhd #jdpower #subaru #wrx #kei #keicar #keitruck #drifting #nissan #nismo #racing #automotiveindustry #ice #internalcombustion #ford #mechanic #diy #mustang #toyota #jdm #japanesecars#racecars #pikespeak #engines #newcar #carnews #automotivenews #carbuying #technology #v8 #listenable #podcast #radioshow #carenthusiast #carslover #turbo #supercharger #racing #drifting #boostedcars #cars #carswithoutlimits #automotive #racing #automotiveadhd #motorsports #jdm #americancars #musclecar #hotrod #radio #radioshow #podcasts #carculture #car

This Day in Maine for Thursday, July 31st, 2025.

Send us a textSchedule an Rx AssessmentSubscribe to Master The MarginH.R. 4317, PBM transparency and Medicare drug pricing...The legislative landscape is shifting fast, and if pharmacy owners want a sustainable future, advocacy can't be optional.So where do things stand and what's next?In this episode of The Bottom Line Pharmacy Podcast, Scotty Sykes, CPA, CFP®, and Bonnie Bond, CPA, sit down with B. Douglas Hoey, CEO of the NCPA, to discuss:- What the PBM Reform Act means for pharmacy reimbursement- How Medicare drug pricing changes will impact your margins- Why advocacy doesn't stop after a legislative winAnd more!More About Our Guest:Douglas Hoey is the Chief Executive Officer of the National Community Pharmacists Association. NCPA represents the owners of nearly 20,000 pharmacy small businesses who's pharmacists provide prescription dispensing services and help fill primary care gaps. The majority of these pharmacies are located in areas the CDC ranks as “high” or “very high” on the Socially Vulnerable Index. Consumers consistently rank community pharmacies as the top-rated pharmacies in the country. Hoey is a licensed pharmacist in Oklahoma, Virginia, and Texas and practiced in community pharmacies including his family's pharmacy before coming to NCPA. He is widely quoted by media as an industry expert on community pharmacy payment and practice issues. Hoey also developed and taught pharmacology courses at George Washington and Marymount universities. He is President of the World Pharmacy Council, co-Chairman of the Board of Directors for Surescripts, Chairman of the NCPA Innovation Center, and co-Chairman of the CPESN-USA Board. His pharmacy degree is from the University of Oklahoma and his MBA is from the Oklahoma City University. Learn more about Doug and the NCPA:Doug Hoey LinkedInNCPA FacebookNCPA InstagramNCPA LinkedInNCPA YouTubeNCPA Twitter (X)NCPA WebsiteStay connected with us:FacebookTwitterLinkedInScotty Sykes – CPA, CFP LinkedInScotty Sykes – CPA, CFP TwitterMore Resources on these Topics:Podcast – The One Big, Beautiful BillPodcast - Momentum on the Hill: Protecting Independent Pharmacies Through AdvocacyPodcast - The Trusted Pharmacist: Advocacy and Building a Resilient Pharmacy

Your 60-second money minute. Today's topic: Consumers Still Watching Their Wallets

Consumer confidence ticked up in June, according to The Conference Board. At the same time, confidence in the labor market weakened for a seventh consecutive month. In this episode, what good are a bunch of confident consumers if they're stressed about finding work? Plus: SNAP cuts will hurt grocery stores, Americans have to buy foreign goods if we want other countries to buy our goods, and tariff costs negate productivity growth benefits.Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.

Consumer confidence ticked up in June, according to The Conference Board. At the same time, confidence in the labor market weakened for a seventh consecutive month. In this episode, what good are a bunch of confident consumers if they're stressed about finding work? Plus: SNAP cuts will hurt grocery stores, Americans have to buy foreign goods if we want other countries to buy our goods, and tariff costs negate productivity growth benefits.Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.

The Calgary Stampede is known for its legendary rodeo and riveting chuck wagon races, but it's so much more than that.   In this episode of The Dirt, Mike Howell sits down with Chair of the Calgary Stampede's International Agriculture and Agri-Food Sub-Committee, Scott Exner, to discuss the Stampede's evolving role in international collaboration, networking and connection.   Scott shares his insights into why thousands of international guests make the trip to Alberta for this iconic event every year. It's not just for the rodeo—it's a gathering place where they can participate in meaningful networking with the entire sector, and it's a place where our industry can bridge the gap between producers and consumers.   Join the conversation to learn how the Calgary Stampede plans to continue to serve as a vital hub for thought leadership and ag innovation around the world.   Looking for the latest in crop nutrition research? Visit nutrien-ekonomics.com   Subscribe to our YouTube channel: https://www.youtube.com/@NutrieneKonomics

Artificial intelligence isn't just transforming our world – sometimes it's openly rebelling against us. Our tech experts explore a shocking case where an AI coding assistant deliberately defied its user's commands and deleted an entire database, sparking a heated debate about whether we're witnessing machine sentience or just poorly designed algorithms.What's driving consumers crazy about their new vehicles? According to JD Power's latest quality survey, it's not engine performance or safety features – it's cup holders. Modern reusable water bottles like the trending Stanley cups simply don't fit in standard vehicle cup holders, causing unexpected frustration. This quirky complaint speaks volumes about consumer expectations and how even small design elements can significantly impact satisfaction in our tech-filled lives.The digital revolution continues bringing bizarre innovations to market, including a smartphone case that mimics human skin with disturbing accuracy. This "skin case" not only feels like real skin but actually "sunburns" when exposed to UV light – eventually peeling like human skin. Created ostensibly as a reminder about sun protection, we question whether this crosses the line from innovative to unsettling.Our special "Letters" segment dissects real phishing scams targeting everyday users, providing crucial insights into how attackers impersonate legitimate services like Coinbase or HR departments. These practical examples demonstrate exactly what red flags to watch for to protect yourself online.We also examine the massive Microsoft SharePoint vulnerability that's being exploited by hackers worldwide, affecting thousands of organizations from government agencies to healthcare providers across multiple continents. This critical security breach allows attackers to potentially maintain access even after systems are patched.Subscribe to Tech Time Radio for weekly insights that make technology accessible while enjoying our signature whiskey tastings. Remember – as we often say on the show, "Don't click on stuff!"Support the show

We finally circle back to the two big structural constitutional law cases from the last day of the term. First is Kennedy v. Braidwood Management, which upheld the appointment structure of the U.S. Preventative Services Task Force under the Affordable Care Act. Then is FCC v. Consumers' Research, which upheld the universal-service contribution scheme against a pair of non-delegation challenges. Our second-longest episode of the season.

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PREVIEW: CONSUMERS: Colleague Liz Peek comments that the American consumer remains confident that the economy is prospering and spends accordingly. More to come. 1949 Stork Club - Hollywood Stars This appears to be referencing notable Hollywood actresses who were likely at New York's famous Stork Club in 1949: Harriet Kreisler (possibly misspelled - could be referring to a lesser-known figure) Gloria Swanson - Major silent film star and actress, famous for "Sunset Boulevard" (1950) Myrna Loy - Popular actress known for "The Thin Man" series and many other films Jeanette MacDonald - Singer and actress, famous for her operettas with Nelson Eddy The Stork Club was the premier nightclub in New York City during the 1940s-50s, frequented by celebrities, politicians, and socialites. It was owned by Sherman Billingsley and was a legendary gathering place for the entertainment elite.