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Day Break | MAHA Momentum, Iran Tensions & Another Platner Scandal --- 00:00 - Monologue 19:12 – Alireza Jafarzadeh, Deputy Director of the U.S. office of the National Council of Resistance of Iran (NCRI-US) and author of The Iran Threat. Jafarzadeh discusses the latest developments in Iran, including reports that U.S. and Iranian negotiators have reached a tentative agreement to extend the ceasefire and begin new nuclear talks. He provides analysis on what the negotiations could mean for the region and the future of U.S.-Iran relations. 28:09 – Will Hild, Executive Director of Consumers' Research. Hild discusses ExxonMobil shareholders' decision to move corporate operations to Texas and examines broader debates over corporate governance, shareholder activism, and the influence of proxy advisory firms. 38:19 - Monologue Featuring Ivey Gruber 47:21 – Eric Eggers, Vice President of Research at the Government Accountability Institute and author of Fraud: How the Left Plans to Steal the Next Election. Eggers discusses election integrity concerns heading into the midterm elections, voter confidence, and ongoing debates over election security and administration. 57:36 – Mayra Flores, former U.S. Representative for Texas's 34th Congressional District and the first Mexican-born woman elected to Congress. Flores discusses the growing importance of Latino voters, ongoing redistricting battles, and how demographic and political shifts could shape future elections. 1:06:27 – Charlotte Bergmann, candidate for Tennessee's 9th Congressional District. Bergmann discusses comments made by a CNN contributor regarding Black Republican candidates and shares her perspective on race, politics, faith, and representation in America. 1:16:35 - Monologue 1:25:34 – Katie Heid, News Director for Michigan News Source. Heid presents the Michigan Rundown, covering stories including calls for an investigation into alleged ties between Secretary of State Jocelyn Benson and the Southern Poverty Law Center, as well as ballot-access controversies affecting Michigan gubernatorial candidates. 1:35:31 – Bill Wild, President and CEO of the Midwest Independent Retailers Association (MIRA). Wild discusses efforts to reform Michigan's Bottle Bill and promote expanded curbside recycling programs. He explains why retailers are advocating for changes to the state's recycling and deposit system. 1:44:27 – Ivey Gruber, President of the Michigan Talk Network. Gruber discusses the recurring issue of visitors approaching large wildlife such as bison and oxen in national parks, often resulting in injuries. The conversation also touches on a resurfaced video showing cloud-seeding operations and broader discussions surrounding weather modification technology. --- Check out our brand new podcast, 'Forgotten America'... Episode 17 is live NOW at Steve Gruber on YouTube! Link below: https://youtu.be/ULMlE_xv87Q
Jon Summers, The Motoring Historian, recaps a Consumer Reports session led by Alex Knizek, outlining CR's nonprofit testing operation (36 cars yearly, 330-acre Connecticut track) and its scoring pillars: road test, reliability, owner satisfaction (380,000 member surveys), and safety, including real-world/track ADAS evaluation. He reads key rankings, including five-to-ten-year reliability led by Lexus, Toyota, Mazda, Honda, and Acura, with Tesla last; he contrasts this with the 2026 brand report card topped by Subaru, BMW, Porsche, Honda, and Toyota, and notes Rivian's low reliability but high satisfaction. He shares takeaways that hybrids show 15% fewer issues than ICE, while plug-ins have 80% more issues than hybrids, and discusses model-specific drags (Honda Prologue, Mazda CX-90). He explains his wife's purchase of a 2026 Cadillac Optiq, influenced by pricing, free workplace charging, and Super Cruise. ===== (Oo---x---oO) ===== 00:00 Why Consumer Reports? 02:07 Inside CR Testing 03:22 Elk Test Explained 04:36 How CR Scores Cars 06:29 Used Car Reliability 09:01 New Car Software Woes 10:56 Brand Report Card 12:54 Surveys Versus Desire 17:01 Hybrids PHEVs EVs 22:23 ADAS & Super Cruise 25:10 EV Reliability Problems 26:46 Safety Rankings 27:37 Top 10 Picks Wrap 28:55 Thanks And Credits ==================== The Motoring Podcast Network : Years of racing, wrenching and Motorsports experience brings together a top notch collection of knowledge, stories and information. #everyonehasastory #gtmbreakfix - motoringpodcast.net More Information: Visit Our Website Become a VIP at: Patreon Online Magazine: Gran Touring Follow us on Social: Instagram Jon Summers is the Motoring Historian. He was a company car thrashing technology sales rep that turned into a fairly inept sports bike rider. On his show he gets together with various co-hosts to talk about new and old cars, driving, motorbikes, motor racing, motoring travel. Copyright Jon Summers, The Motoring Historian. This content is also available via jonsummers.net. This episode is part of the Motoring Podcast Network and has been republished with permission.
Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Monica Cornitcher. Entrepreneurial journey, the inspiration behind Medase Cocktails, and the realities of launching, funding, and scaling a premium nonalcoholic spirits brand in a highly competitive market. Purpose of the Conversation The purpose of the episode is to: Educate aspiring entrepreneurs on how to build a differentiated consumer brand Demonstrate the importance of storytelling, market clarity, and operational discipline Highlight the growth of the nonalcoholic / zero‑proof beverage movement Inspire founders—especially founders of color—to own their niche, seek capital strategically, and scale intentionally. Key Takeaways 1. Business Built from Personal Need and Purpose Medase Cocktails was co‑founded by Monica and her lifelong friend during her friend’s battle with breast cancer, a time when alcohol was no longer an option—but celebration still mattered. The brand was created to allow people to celebrate authentically without alcohol It carries emotional depth rooted in friendship, gratitude, and loss Monica continues the mission after her co‑founder passed away in 2024 Lesson: Purpose-driven businesses create deeper emotional connection and long-term brand equity. 2. Differentiation Is Everything Monica deliberately rejected the “sparkling water with flavor” model common in nonalcoholic drinks. Her differentiators include: Authentic cocktail taste (Old Fashioned, Margarita, Moscow Mule) Organic juices, not artificial flavors Bold packaging that stands out on shelves Drinks designed to smell, taste, and feel like real cocktails Lesson: Competing on authenticity—not cost—is how you carve out market share in crowded spaces. 3. Brand Names and Stories Matter The name “Medase” means “thank you” and reflects gratitude, friendship, and emotional support. Monica emphasizes: Every flavor name, color, and product decision has a story A strong brand narrative creates curiosity, loyalty, and investor interest Lesson: People invest in brands they feel—emotionally, not just intellectually. 4. Venture Capital Is Not Just About Numbers While financials matter, Monica stresses that VCs also invest in founders and stories. What helped her secure venture capital: A compelling personal story Relevant founder skill sets (M&A, law, operations) Clear understanding of the market opportunity Lesson: Early-stage funding often depends on who you are and why you’re building, not just revenue. 5. Research, Planning, and Discipline Before Launch Unlike many food startups, Medase did not begin in a kitchen. They: Conducted a feasibility study Built a formal business plan Worked with a Black female food scientist Set strict personal funding limits before seeking capital Lesson: Preparation reduces risk and builds long-term sustainability. 6. Scaling Requires Operational Maturity As sales increased—especially on Amazon—Monica emphasized the need to move from “hustle mode” to operational excellence. Key scaling principles: Understand unit economics Track ROI for events and activations Adjust pricing as volume increases Build strategy across marketing, operations, and distribution Lesson: Hustle starts the business; operations grow it. 7. Niche First, Expansion Later Medase does not try to be “everything to everyone.” Core customers include: People seeking a break from alcohol Health-conscious consumers Black men looking for alcohol replacements Consumers wanting cocktail taste without hangovers Lesson: Strong niches create loyal advocates who fuel organic growth. 8. Smart Distribution Strategy Rather than rushing into retail, Monica prioritized direct-to-consumer channels: Amazon (top-performing channel) Brand website TikTok Shop Only after 6–7 months of traction did retail expansion become viable. Lesson: Control your margins and demand before entering expensive retail environments. Memorable Quotes “I wanted an authentic cocktail without compromise.” “Everything we do has a story behind it.” “Sometimes it’s not about the financials—it’s about the founder and the story.” “Don’t be everything to everybody. Find your market and stick with your market.” “Hustle starts the business, but operations give you scale.” “If it tastes too much like alcohol and you gave me a one-star review—thank you. That means I did my job.” Overall Message This episode is a real-world entrepreneurial blueprint showing how clarity of vision, emotional authenticity, disciplined planning, and niche focus can turn a personal idea into a scalable national brand. Monica Cornitcher exemplifies the modern founder:visionary, data-aware, emotionally intelligent, and unapologetically authentic. #SHMS #BEST #STRAWSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.
Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Monica Cornitcher. Entrepreneurial journey, the inspiration behind Medase Cocktails, and the realities of launching, funding, and scaling a premium nonalcoholic spirits brand in a highly competitive market. Purpose of the Conversation The purpose of the episode is to: Educate aspiring entrepreneurs on how to build a differentiated consumer brand Demonstrate the importance of storytelling, market clarity, and operational discipline Highlight the growth of the nonalcoholic / zero‑proof beverage movement Inspire founders—especially founders of color—to own their niche, seek capital strategically, and scale intentionally. Key Takeaways 1. Business Built from Personal Need and Purpose Medase Cocktails was co‑founded by Monica and her lifelong friend during her friend’s battle with breast cancer, a time when alcohol was no longer an option—but celebration still mattered. The brand was created to allow people to celebrate authentically without alcohol It carries emotional depth rooted in friendship, gratitude, and loss Monica continues the mission after her co‑founder passed away in 2024 Lesson: Purpose-driven businesses create deeper emotional connection and long-term brand equity. 2. Differentiation Is Everything Monica deliberately rejected the “sparkling water with flavor” model common in nonalcoholic drinks. Her differentiators include: Authentic cocktail taste (Old Fashioned, Margarita, Moscow Mule) Organic juices, not artificial flavors Bold packaging that stands out on shelves Drinks designed to smell, taste, and feel like real cocktails Lesson: Competing on authenticity—not cost—is how you carve out market share in crowded spaces. 3. Brand Names and Stories Matter The name “Medase” means “thank you” and reflects gratitude, friendship, and emotional support. Monica emphasizes: Every flavor name, color, and product decision has a story A strong brand narrative creates curiosity, loyalty, and investor interest Lesson: People invest in brands they feel—emotionally, not just intellectually. 4. Venture Capital Is Not Just About Numbers While financials matter, Monica stresses that VCs also invest in founders and stories. What helped her secure venture capital: A compelling personal story Relevant founder skill sets (M&A, law, operations) Clear understanding of the market opportunity Lesson: Early-stage funding often depends on who you are and why you’re building, not just revenue. 5. Research, Planning, and Discipline Before Launch Unlike many food startups, Medase did not begin in a kitchen. They: Conducted a feasibility study Built a formal business plan Worked with a Black female food scientist Set strict personal funding limits before seeking capital Lesson: Preparation reduces risk and builds long-term sustainability. 6. Scaling Requires Operational Maturity As sales increased—especially on Amazon—Monica emphasized the need to move from “hustle mode” to operational excellence. Key scaling principles: Understand unit economics Track ROI for events and activations Adjust pricing as volume increases Build strategy across marketing, operations, and distribution Lesson: Hustle starts the business; operations grow it. 7. Niche First, Expansion Later Medase does not try to be “everything to everyone.” Core customers include: People seeking a break from alcohol Health-conscious consumers Black men looking for alcohol replacements Consumers wanting cocktail taste without hangovers Lesson: Strong niches create loyal advocates who fuel organic growth. 8. Smart Distribution Strategy Rather than rushing into retail, Monica prioritized direct-to-consumer channels: Amazon (top-performing channel) Brand website TikTok Shop Only after 6–7 months of traction did retail expansion become viable. Lesson: Control your margins and demand before entering expensive retail environments. Memorable Quotes “I wanted an authentic cocktail without compromise.” “Everything we do has a story behind it.” “Sometimes it’s not about the financials—it’s about the founder and the story.” “Don’t be everything to everybody. Find your market and stick with your market.” “Hustle starts the business, but operations give you scale.” “If it tastes too much like alcohol and you gave me a one-star review—thank you. That means I did my job.” Overall Message This episode is a real-world entrepreneurial blueprint showing how clarity of vision, emotional authenticity, disciplined planning, and niche focus can turn a personal idea into a scalable national brand. Monica Cornitcher exemplifies the modern founder:visionary, data-aware, emotionally intelligent, and unapologetically authentic. #SHMS #BEST #STRAWSee omnystudio.com/listener for privacy information.
Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Monica Cornitcher. Entrepreneurial journey, the inspiration behind Medase Cocktails, and the realities of launching, funding, and scaling a premium nonalcoholic spirits brand in a highly competitive market. Purpose of the Conversation The purpose of the episode is to: Educate aspiring entrepreneurs on how to build a differentiated consumer brand Demonstrate the importance of storytelling, market clarity, and operational discipline Highlight the growth of the nonalcoholic / zero‑proof beverage movement Inspire founders—especially founders of color—to own their niche, seek capital strategically, and scale intentionally. Key Takeaways 1. Business Built from Personal Need and Purpose Medase Cocktails was co‑founded by Monica and her lifelong friend during her friend’s battle with breast cancer, a time when alcohol was no longer an option—but celebration still mattered. The brand was created to allow people to celebrate authentically without alcohol It carries emotional depth rooted in friendship, gratitude, and loss Monica continues the mission after her co‑founder passed away in 2024 Lesson: Purpose-driven businesses create deeper emotional connection and long-term brand equity. 2. Differentiation Is Everything Monica deliberately rejected the “sparkling water with flavor” model common in nonalcoholic drinks. Her differentiators include: Authentic cocktail taste (Old Fashioned, Margarita, Moscow Mule) Organic juices, not artificial flavors Bold packaging that stands out on shelves Drinks designed to smell, taste, and feel like real cocktails Lesson: Competing on authenticity—not cost—is how you carve out market share in crowded spaces. 3. Brand Names and Stories Matter The name “Medase” means “thank you” and reflects gratitude, friendship, and emotional support. Monica emphasizes: Every flavor name, color, and product decision has a story A strong brand narrative creates curiosity, loyalty, and investor interest Lesson: People invest in brands they feel—emotionally, not just intellectually. 4. Venture Capital Is Not Just About Numbers While financials matter, Monica stresses that VCs also invest in founders and stories. What helped her secure venture capital: A compelling personal story Relevant founder skill sets (M&A, law, operations) Clear understanding of the market opportunity Lesson: Early-stage funding often depends on who you are and why you’re building, not just revenue. 5. Research, Planning, and Discipline Before Launch Unlike many food startups, Medase did not begin in a kitchen. They: Conducted a feasibility study Built a formal business plan Worked with a Black female food scientist Set strict personal funding limits before seeking capital Lesson: Preparation reduces risk and builds long-term sustainability. 6. Scaling Requires Operational Maturity As sales increased—especially on Amazon—Monica emphasized the need to move from “hustle mode” to operational excellence. Key scaling principles: Understand unit economics Track ROI for events and activations Adjust pricing as volume increases Build strategy across marketing, operations, and distribution Lesson: Hustle starts the business; operations grow it. 7. Niche First, Expansion Later Medase does not try to be “everything to everyone.” Core customers include: People seeking a break from alcohol Health-conscious consumers Black men looking for alcohol replacements Consumers wanting cocktail taste without hangovers Lesson: Strong niches create loyal advocates who fuel organic growth. 8. Smart Distribution Strategy Rather than rushing into retail, Monica prioritized direct-to-consumer channels: Amazon (top-performing channel) Brand website TikTok Shop Only after 6–7 months of traction did retail expansion become viable. Lesson: Control your margins and demand before entering expensive retail environments. Memorable Quotes “I wanted an authentic cocktail without compromise.” “Everything we do has a story behind it.” “Sometimes it’s not about the financials—it’s about the founder and the story.” “Don’t be everything to everybody. Find your market and stick with your market.” “Hustle starts the business, but operations give you scale.” “If it tastes too much like alcohol and you gave me a one-star review—thank you. That means I did my job.” Overall Message This episode is a real-world entrepreneurial blueprint showing how clarity of vision, emotional authenticity, disciplined planning, and niche focus can turn a personal idea into a scalable national brand. Monica Cornitcher exemplifies the modern founder:visionary, data-aware, emotionally intelligent, and unapologetically authentic. #SHMS #BEST #STRAWSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.
Donate (no account necessary) | Subscribe (account required) Join Bryan Dean Wright, former CIA Operations Officer, as he covers today's top stories shaping America and the world. In this Friday Headline Brief of The Wright Report, Bryan tracks fresh Iranian missile attacks on US merchant ships in the Strait of Hormuz, even as Washington and Tehran reportedly agree to a 60-day ceasefire extension. Bryan walks through the strange split-screen of war and optimism, with US stock markets hitting all-time highs and Southwest Airlines reporting strong consumer demand, while Trump's approval numbers still sag under the weight of the Iran conflict and lingering inflation. He also breaks down a chilling Reuters report that adversaries are buying US service members' digital exhaust on the open market, and delivers a scathing insider analysis of the David Rush case, the former CIA officer who allegedly conned the Agency out of $40 million in gold bars and cash, with Bryan tying it back to the CIA's broken recruitment philosophy of hiring C students. Plus, Bryan closes the week with a deep look at the Quantum Revolution, why Trump just steered $2 billion to IBM and others, and why whoever masters quantum computing first may end up master of the planet. "And you shall know the truth, and the truth shall make you free." - John 8:32 Keywords: Bryan Dean Wright, The Wright Report, Friday Headline Brief, Iran attack US ships, Strait of Hormuz, IRGC missile strike, Bandar Abbas, Iran ceasefire extension, US stock market highs, Southwest Airlines consumer demand, Trump approval rating, Benjamin Netanyahu, Gaza 70 percent, Israel Palestinian war, US service members targeted, digital exhaust, commercial data brokers, Pentagon Google Chrome warning, David Rush CIA fraud, CIA gold bars scandal, CIA recruitment failures, John Ratcliffe, CIA reform, Quantum Revolution, quantum computing, qubits, superposition, IBM quantum, Trump quantum investment, China quantum race, AI and quantum computing
The App Era Is Over: Wallet-Native Insurance & the Agentic Frontier — Marc Lampe × Ernesto Suarez In this episode of Scouting for Growth, Sabine VanderLinden sits down with Ernesto Suarez and Marc Lampe to explore why the future of insurance is moving beyond apps and into wallet-native, AI-ready experiences. The conversation begins with a powerful reminder of why customer experience matters: a traveler stranded abroad, unable to prove they had insurance in an emergency. From there, the discussion unpacks the hidden friction embedded across the insurance journey — especially in claims, servicing, and customer engagement. Ernesto shares how Gigasure was designed as a digital-native travel MGA focused on mobile-first engagement, instant gratification, and removing the traditional “handoffs” that frustrate policyholders. Marc explains how Wallet Studio, developed by Miss Moneypenny Technologies after nearly a decade of experimentation, enables insurers to create dynamic wallet-based insurance experiences that sit directly alongside boarding passes, payments, and loyalty cards. Together, they reveal how the partnership rapidly launched over 50,000 digital wallet cards in just a few months, achieving remarkable customer engagement and demonstrating that insurance can become proactive, contextual, and genuinely useful. The episode also dives into parametric claims, embedded insurance, MGA innovation, AI-enabled customer journeys, and why ecosystem collaboration — not disruption alone — is shaping the next era of InsurTech. KEY TAKEAWAYS What struck me most in this conversation is how both Ernesto and Marc are solving an issue the industry has talked about for years but rarely fixed: making insurance truly accessible and useful at the exact moment customers need it most. We often talk about “customer experience” in insurance, yet too many journeys still rely on PDFs buried in inboxes, disconnected claims processes, and handoffs between providers. This discussion showed what happens when founders design around real human behavior instead of legacy systems. I was particularly fascinated by the simplicity and power of wallet-native insurance. Consumers already use wallet technology every day for boarding passes, payments, loyalty cards, and transport tickets. Integrating insurance directly into that ecosystem feels obvious once you see it in action. The results speak volumes: more than 50,000 wallet cards issued within months and exceptionally high customer engagement rates. That tells us customers are ready for insurance experiences that are frictionless, visible, and mobile-first. Another important insight is how the MGA model is evolving. Ernesto highlighted how modern MGAs are increasingly powered by specialist InsurTech enablers rather than trying to build every capability themselves. The future is less about disruption in isolation and more about intelligent collaboration, integration, and speed to market. This partnership demonstrates how insurers, MGAs, and technology providers can create far more value together than separately. Finally, I loved the honesty around AI and the “agentic frontier.” Both guests acknowledged that technology alone is not enough. The real challenge is guiding customers through increasingly complex ecosystems in ways that remain trustworthy, intuitive, and human-centered. The winners in this next phase of insurance innovation will be the companies that combine intelligent automation with seamless customer trust. BEST MOMENTS “The era of the app, as we have known it, is over.” — Marc Lampe “88% said they have trouble finding their documents.” — Ernesto Suarez “Insurance has never been tangible. And I feel like this is a little piece that we can give customers for what they've purchased.” — Ernesto Suarez “The solution is not to build the perfect AI-driven functionality, but to deliver that actually to the customer.” — Marc Lampe “We're all very good at selling, but it's the post-sale service element that I feel is a big lie.” — Ernesto Suarez “The customer should only have the experience and not struggle.” — Marc Lampe “We are trying to eat away at the friction.” — Ernesto Suarez “Customer experience in insurance can actually be good.” — Sabine VanderLinden ABOUT THE GUESTS Ernesto Suarez Ernesto Suarez is the Founder and CEO of Gigasure, a digital-native MGA redefining travel insurance through mobile-first engagement and wallet-native customer experiences. With more than 25 years in the insurance industry, Ernesto previously founded and exited a successful niche insurance venture focused on car hire excess protection. Through Gigasure, he is building a new generation of insurance products designed specifically for millennials and Gen Z consumers, combining embedded services, parametric claims, instant payouts, and app-driven customer servicing. Marc Lampe Marc Lampe is the Co-founder of Miss Moneypenny Technologies, the company behind Wallet Studio, a wallet-native platform enabling insurers to create dynamic digital insurance cards and customer engagement experiences. An entrepreneur since the age of 17, Marc has spent more than a decade developing wallet technology solutions across industries before focusing on insurance. Today, Wallet Studio powers wallet-native experiences for more than 20 insurers and MGAs, helping carriers modernize customer engagement, claims interaction, and embedded insurance journeys. ABOUT THE HOST Sabine VanderLinden is a corporate strategist turned entrepreneur and the CEO of Alchemy Crew Ventures. She leads venture-client labs that help Fortune 500 companies adopt and scale cutting-edge technologies from global tech ventures. A builder of accelerators, investor, and co-editor of the bestseller The INSURTECH Book, Sabine is known for asking the uncomfortable questions—about AI governance, risk, and trust. On Scouting for Growth, she decodes how real growth happens—where capital, collaboration, and courage meet. If this episode sparked your thinking, follow Sabine VanderLinden on LinkedIn, Twitter, and Instagram for more insights. And if you're interested in sponsoring the podcast, reach out to the team at hello@alchemycrew.ventures
In the early 20th century, some retailers would advertise a product at an attractively low price to lure customers into the store, claim the item was out of stock or of poor quality then pressure customers to buy a more expensive alternative. The practice became known in the public vernacular as "bait and switch" in the 1920s. This week, we look at three modern bait and switches pertinent to our beat. First, Julian looks at “free speech patriot” Chud the Builder's slimy social media tactics. Then Derek investigates RFK Jr's SNAP benefits now you see them, now you don't. Finally, Matthew looks at how Mark Carney is bait and switching the Canadian political body. Show Notes SNAP Restrictions Raise Prices for U.S. Retailers and Consumers, Rather Than Improving Diets State-Level SNAP Food Restrictions: Assessing Long-Term Profitability and Policy Risks for Grocery Retailers SNAP Enforcement Changes Risk Limiting Food Access for Vulnerable Communities USDA outlines retailer compliance for state SNAP waivers EBT, SNAP, and Food Retail Compliance: A Complete Explainer for Small Grocery and Convenience Store Owners FRAC Urges USDA to End Harmful SNAP Food Restriction Waivers Bank of England — Mark Carney biography UN — Carney Special Envoy appointment Council for Inclusive Capitalism — Carney Amnesty International Canada — Bill C-12 CBC News — Bill C-233 defeated Government of Canada — CERB eligibility CBC News — CRA COVID benefit clawbacks Parliamentary Budget Officer — federal housing spending CBC News — oil and gas emissions cap scrapped CBC News — F-35 contract review CBC News — Defence Security and Resilience Bank confirmed CBC News — Indigenous Services Canada budget cuts CCPA — Bill C-15 corporate exemption CBC News — Grassy Narrows, "I can outlast her" Guardian — Carney climate record Learn more about your ad choices. Visit megaphone.fm/adchoices
Today on CarEdge Live, Ray and Zach discuss the latest from WSJ. Tune in to learn more! Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.
Consumers have grown increasingly worried about inflation, and many are delaying major purchases, according to J.D. Power. That's especially true for people under 40. In a survey, J.D. Power found that only about a third in that age group believe they can cover everyday expenses. We'll dig in. But first, Spotify has long invested in podcasts and audiobooks. Now, it wants you to listen to magazine articles on the platform, too.
Consumers have grown increasingly worried about inflation, and many are delaying major purchases, according to J.D. Power. That's especially true for people under 40. In a survey, J.D. Power found that only about a third in that age group believe they can cover everyday expenses. We'll dig in. But first, Spotify has long invested in podcasts and audiobooks. Now, it wants you to listen to magazine articles on the platform, too.
The people best trained to recognize what NXIVM was doing were the people Keith Raniere reportedly made sure never got inside the organization. Licensed therapists were kept out. That wasn't an accident.NXIVM's recruitment model was built on a framework Raniere refined after his first MLM, Consumers' Buyline, was shut down as a pyramid scheme by the New York attorney general in 1996. The courses cost thousands and were structured so each one led to the next. The colored-sash hierarchy rewarded recruitment. Doubt about the methods was reframed as a personal failing — a limiting belief to be overcome through more coursework, not a reason to question anything.Raniere deliberately pursued recruits with resources and public visibility. Clare and Sara Bronfman invested over $100 million, bringing both capital and credibility. Actress Allison Mack became a high-profile recruiter. Their participation told every prospective member this was legitimate.India Oxenberg entered at nineteen and spent seven years inside, ultimately marked and unable to recognize the situation she was in. The escalation from introductory course to inner circle was so gradual that each step felt like a free choice. By the time the deepest demands arrived, members' judgment had been reshaped by years of conditioning.The psychological architecture Raniere built continues to function in the minds of a small loyalist network that still advocates for his release — years after his conviction on all seven federal counts.Part two of a four-part Hidden Killers investigation into NXIVM and Keith Raniere.Join Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/channel/UC8-vxmbhTxxG10sO1izODJg?sub_confirmation=1Instagram https://www.instagram.com/hiddenkillerspod/Facebook https://www.facebook.com/hiddenkillerspod/Tik-Tok https://www.tiktok.com/@hiddenkillerspodX Twitter https://x.com/TrueCrimePodThis publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice.#NXIVM #KeithRaniere #TrueCrime #HiddenKillers #CultRecruitment #NXIVMCULT #MindControl #TheVow #TrueCrimePodcast #CultSurvivor
Oil Drops – Still highest cost for Memorial Day in years Consumer Sentiment Drops again New Fertilizer coming – Kinda Soilent Green vibe Everyone is talking about SpaceX PLUS we are now on Spotify and Amazon Music/Podcasts! Click HERE for Show Notes and Links DHUnplugged is now streaming live - with listener chat. Click on link on the right sidebar. Love the Show? Then how about a Donation? Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter Warm-Up - Oil Drops - Still highest cost for Memorial Day in years - Consumer Sentiment Drops again - New Fertilizer coming - Kinda Soilent Green Concept - Everyone is talking about SpaceX Markets - Nothing Really Matters - Anyone can see - New HIGHS - Governments picking the winners again - CHIPS ! - Concentration NVDA - Over the weekend, Jensen Huang said that his forecast of a $200 billion market for CPUs includes China, signalling Nvidia still sees significant long-term demand in the market amid ongoing U.S.-China technology tensions. - During an earnings call on Wednesday, Huang said Nvidia's new "Vera" central processors give it access to a new $200 billion market. - So, once again the PR machine is running overtime to make sure there is no reason for anyone to sell the stock - needed to make this clarification over the weekend - Nvidia has received licenses from the U.S. government to sell its H200 chips but has not received approval from Chinese officials who are fostering China's own chip suppliers. Consumers - Consumer sentiment has tumbled to a fresh record low in May as fears of higher prices grow due to the U.S.-Iran war and elevated oil prices, the University of Michigan's Surveys of Consumers said Friday. - The index of consumer sentiment fell to 44.8 from a preliminary reading of 48.2. It's also well below the 49.8 level seen at the end of April. Consumers Upset South Korea - Record after record... - This is an impressive chart - Two companies -Samsung and SK Hynix -----40% of the entire KOSPI index's total market capitalization. Kospi Index Who Believes this Crap? - U.S. forces have conducted “self defense” strikes in southern Iran early Tuesday, with U.S. Central Command saying that this was to “protect our troops from threats posed by Iranian forces.“ - “U.S. Central Command continues to defend our forces while using restraint during the ongoing ceasefire,” Hawkins added. - Meanwhile there was some talk over the weekend that --- 1) We are very close to a deal and it will happen soon ----2) We are in no rush for a deal ----3) How many times is this same line going to be used to try to push the price of oil down (it did move towards $90 after the weekend resumption of futures trading) - Neither side can agree on anything... Secretary of State Marco Rubio said on Friday that the United States has seen some progress towards a deal but that more work was required, while Iran's foreign ministry said the differences remained deep and significant. - Tiresome CEO of Ford - Did you know -??? - The CEO of Ford (Jim Farley) is cousin to Chris Farley Farley and Farley Crops - Farmers worldwide are under pressure due to the Iran war disrupting supplies of conventional nitrogen fertilizers, forcing them to improvise ahead of the fall planting season. - Some farmers are turning to age-old solutions like manure, while others are experimenting with newer technologies, including waste-based inputs and microbial products. -----Circular bio-economy The crisis is giving fresh momentum to products that have long struggled to gain widespread adoption, with demand for biofertilizers and biostimulants rising and companies seeing rising interest and increased sales. - Municipal wastewater and treated human urine, which contain high levels of nutrients that can be processed. ---- So, if your corn is a little extra yellow this summer - now you know... Government's Hand - Quantum computing shares popped last Thursday, as the U.S. government said it would award $2 billion in grants to nine firms operating in the space. - IBM is the biggest beneficiary of the package, with the U.S. Commerce Department agreeing to give the firm $1 billion. - Chipmaker GlobalFoundries is receiving $375 million, while other grant recipients D-Wave Quantum, Rigetti Computing and Infleqtion will be awarded $100 million. - Shares of D-Wave added 33%, Rigetti soared 30% and Infleqtion skyrocketed about 31%. - Funding will come from the 2022 Chips and Science Act. More Money Throwing - Nvidia Corp. bought $500 million worth of rights for shares in Corning Inc. as part of a partnership to expand artificial intelligence infrastructure. - Corning pledged to increase US fiber production capacity by more than 50% to supply more optical fiber for AI data centers. - The partnership includes Corning's plan to construct three new complexes in North Carolina and Texas, which is estimated to create more than 3,000 new US jobs. DEBT - Global debt hits new record, IIF (institute for International Finance) report shows - Global debt rose for a fifth consecutive quarter in Q1 2026, increasing by more than $4.4 trillion to a record high of over $350 trillion, with the increase concentrated largely in the United States and China. - Investors shows signs of shift away from Treasuries - Global debt-to-GDP ratio stable around 305% - NOTHING TO SEE HERE Global Debt More Charts AI Reality? - Starbucks retires AI tool nine months after North American deployment - Tool was part of CEO Brian Niccol's campaign to fix product shortages - AI tool miscounted items, leading to errors, Reuters has reported Starbucks cites need for consistency, supply chain improvements in ending program More AI - Elon Musk's Grok is seeing minimal adoption in US government - even though it's cheap- - Grok lags far behind OpenAI and other rivals that analysts call more capable - Data shows uptake by corporations is also weak, suggesting Grok's problems stretch beyond government - Is it possible that corps don't trust Musk after the way he heavy handled the DOGE process? - Is this going to impact SpaceX growth story? Employment and Ai - The co-founder of AI company Anthropic said on Monday that the development of artificial intelligence cannot be left solely to technology companies, urging greater oversight from religious leaders, governments and civil society. - Speaking at the presentation of Pope Leo's first encyclical, addressing the challenges posed by artificial intelligence, Chris Olah said there was "a real possibility" that AI will displace human labour "at very large scale". Scared - China is restricting overseas travel for top AI professionals in private firms, requiring them to get approval from relevant authorities before embarking on overseas travel. - The government is targeting talent within the AI sphere, including startup founders, researchers, and executives, and adding individuals to the list based on assessments of their critical importance to the country. - The restrictions risk undermining the ability of AI firms in China to recruit and retain talent, and may force engineers with global ambitions to choose between staying home or going abroad earlier in their careers. CHIPS - Micron topped a $1 trillion market value for the first time on Tuesday as shares popped 18%, driven by insatiable artificial intelligence demand for its memory chips. - The stock surge came as UBS tripled its price target on the stock from $535 to $1,625 a share, citing long-term agreement opportunities with partially fixed pricing. - “We believe the market will start to put a more ‘normal' multiple on the stock and MU will continue to re-rate higher as more details emerge about the structural changes AI has driven to the entire memory complex,” the firm wrote. SpaceX - Lots of interest on this... - Lots of clients calling on this and we are working on this for them - Here is a bit of a reality check... --- First - company still losing billions of dollars - some may look past that - - Weird inclusion period for indices and that may take stock up due to required buying ahead of the inclusion (keeping a floor on prices in the beginning) ---- SpaceX plans to allow a large portion of its shares to become eligible for resale before the usual six-month restriction period post-IPO, under a staged system conditioned to the company's performance, a company filing shows. - The approach, designed to avoid a large wave of shares hitting the market at once, would depart from the standard 180-day lock-up that has prevailed in the U.S. Most companies going public restrict early investors from selling shares to help stabilize the stock. - Valuation somewhere between $1.5T and $2T (a year ago it was like $400 million) - Valuation in December was $750 M - Rationale for the big valuation: SpaceX is leveraging its satellite network to build massive, space-based AI data centers, which take advantage of limitless solar energy and off-planet cooling Retail - Ross Stores Inc. raised its sales and profit guidance after first-quarter results surpassed consensus estimates, aided by strong customer traffic among younger shoppers. - The company reported sales of $6.01 billion and earnings of $2.02 per share, with same-store sales growing 17% in the period, a record for Ross. - Ross now expects full-year same-store sales to grow 6% to 7%, and earnings of $7.50 to $7.74 per share, with executives citing increased customer traffic as a key driver of profit. Meanwhile - Walmart issued a worse-than-expected financial outlook amid soaring gas prices. - Finance chief John David Rainey said high tax returns may have muted some of the impact high gas prices had on shoppers in the first quarter, indicating consumer pressures could rise in the current quarter - The big-box retailer issued fiscal first-quarter results that beat Wall Street's expectations on the top line but were only in line on the bottom. - The retailer said it's expecting adjusted earnings per share to be between $2.75 and $2.85, lower than expectations of $2.91, according to LSEG. - Walmart said it anticipates net sales will rise between 3.5% and 4.5% for the year. Ferrari - Electric - Ferrari (RACE) is trading lower today after the company unveiled its first fully electric vehicle, the Ferrari Luce, marking a major strategic shift away from its traditional combustion-engine supercar identity. - The Luce is a four-door, five-seat ultra-luxury EV developed with former Apple (AAPL) design chief Jony Ive, featuring a quad-motor setup producing over 1,000 horsepower, a 0--60 mph time of roughly 2.5 seconds, and a price tag around $640,000. - Despite these headline-grabbing performance specs, investors reacted negatively because the design is seen as a sharp break from RACE's iconic styling, with many critics arguing it looks closer to a mass-market EV than a traditional Ferrari. Saying goodbye - One of America's once-dominant beer brands is being discontinued after more than 175 years. - Schlitz Premium, a beer brand that traces its roots to Milwaukee in the 1840s and was once among the largest breweries in the country, is being put "on hiatus," parent company Pabst Brewing Co. confirmed Friday after Wisconsin Brewing Company announced it would brew the brand's final batch later this month. - "Unfortunately, we have seen continued increases in our costs to store and ship certain products and have had to make the tough choice to place Schlitz Premium on hiatus," Zac Nadile, Pabst head of brand strategy, said in a statement to Milwaukee Magazine. Love the Show? Then how about a Donation? Announcing the THE CLOSEST TO THE PIN for SALESFORCE (CRM) Winners will be getting great stuff like the new "OFFICIAL" DHUnplugged Shirt! FED AND CRYPTO LIMERICKS See this week's stock picks HERE Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter
Hidden Killers With Tony Brueski | True Crime News & Commentary
Licensed therapists were reportedly not welcome inside NXIVM. The people with professional training to spot coercive influence were the exact people Keith Raniere kept out. That detail tells you everything.This episode goes inside the recruitment — how Raniere got smart, ambitious, successful people through the door and made leaving feel impossible. His first venture, Consumers' Buyline, was shut down as a pyramid scheme in 1996. He took the lesson: control the structure, control the people. NXIVM's courses cost thousands and were built as a progression where each step deepened your commitment. Doubt was reframed as a personal flaw. The desire to leave was labeled fear.Raniere targeted wealth and influence deliberately. The Bronfman heiresses brought over $100 million and legitimacy. Allison Mack brought fame. Every high-profile member became a walking advertisement. Inside the organization, the language of healthy self-awareness was inverted — boundaries became avoidance, discomfort became evidence of growth, and independent judgment became a barrier to overcome.India Oxenberg walked in at nineteen looking for business skills. Seven years later she'd been marked and couldn't see anything wrong. She wasn't gullible. She was processed through a system built to produce exactly that result.The most chilling proof the system worked: a network of loyalists still defends Raniere years after his conviction and 120-year sentence. The techniques he used are not unique to him. They're still in use.Part two of a four-part Hidden Killers investigation into NXIVM and Keith Raniere.Join Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/channel/UC8-vxmbhTxxG10sO1izODJg?sub_confirmation=1Instagram https://www.instagram.com/hiddenkillerspod/Facebook https://www.facebook.com/hiddenkillerspod/Tik-Tok https://www.tiktok.com/@hiddenkillerspodX Twitter https://x.com/TrueCrimePodThis publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice.#NXIVM #KeithRaniere #TrueCrime #HiddenKillers #CultRecruitment #NXIVMCULT #MindControl #TheVow #TrueCrimePodcast #CultSurvivor
Register here to attend the live virtual event "Why Investors Are Targeting Oklahoma Real Estate in 2026" on Thursday, May 27th at 8:00 PM Eastern Time. Keith explains how rent payments are starting to factor into credit scores, boosting accountability for tenants and strengthening landlords' position. He introduces the "GRE Duck" to show how a plain long-term rental can quietly build wealth through several profit centers beyond visible cash flow. Keith also shares why he expects a new era of heightened inflation and how owning real assets with long-term fixed-rate debt can help investors stay ahead of it. Finally, Keith is joined by a GRE Investment Coach, Naresh Vissa, to highlight Oklahoma as an under-the-radar, business-friendly market that many investors see as a promising "next place" for cash-flowing rentals. Episode Page: GetRichEducation.com/607 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text FAMILY to 66866 Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. To get in the best physical, mental, and professional shape of your life, go to DanielThomasHind.com and apply for Daniel's intensive 1-on-1 coaching for burnt-out entrepreneurs and executives. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review" For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Keith Weinhold 0:01 Welcome to GRE. I'm your host, Keith Weinhold. The American consumer is in real trouble today, and persistent inflation is poised to make it worse. How should real estate investors adjust their strategy? Learn the difference between delinquency, default, and foreclosure. Why making an early mortgage payoff is almost always ill-advised, then we explore an investment market that's poised for potential today on Get Rich Education. Keith Weinhold 0:32 You know, Mid South Homebuyers, that top Memphis turnkey provider, I learned that a secret weapon behind their explosive growth is more than just you buying their properties. It's an executive coach for nine years now. Their CEO, Terry Kerr, and his COO, Pat Nix, have worked privately with a coach who I've now learned from too, and he doesn't market himself online anywhere. After 12 years behind the scenes, that coach is now making himself available exclusively for GRE listeners. His name is Daniel Thomas Hind. If you're a hard-charging business owner or investor who wants to get in the best shape of your life, physically, mentally, and professionally, you can fill out an application for a free consult. This is private one on one coaching for those willing to go to uncommon lengths to achieve uncommon results. Thanks to Daniel, we've all become better leaders, better operators, and better men. It started by showing up for ourselves. Now it's your turn. Go to danielthomashind.com H I N D, that's danielthomamashind.com and sign up before spots fill. Keith Weinhold 1:45 Flock Homes helps multifamily owners exit the operator grind, whether it's your sixplex or a 50 unit apartment through a 721 exchange. This defers your capital gains tax. It's a strategy long used by institutions. Now you can swap tenants and toilets for passive income and zero management. Request your initial valuations. See if your property qualifies at Flock homes.com/gre that's F L O C K homes.com/gre Corey Coates 2:18 You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get Rich Education. Keith Weinhold 2:34 Welcome to GRE from Arcadia, California to Arcade New York, and across 188 nations worldwide. I'm Keith Weinhold. You're listening to Get Rich Education. Around here, we don't look at a house and see four walls, we see five profit centers quietly doing jumping jacks behind the drywall. At the same time, most people seem to think cash flow is something that you catch in a stream. Hey, well, Who's in trouble out there amidst persistent and rising inflation? Well, you know the answer, it's just another reflection of the K-shaped economy and the hollowing out of the middle class. Now we can look at how many Americans are missing their mortgage payments. The mortgage delinquency rate is historically between one and 2% That just means that's the proportion of borrowers that get seriously behind on their mortgage payments. That's the normal range over the long run. Today's figure is pretty low at 1.1% so on the low end of that historic one to 2% range. So homeowners are in good shape, but credit card and automobile loan delinquencies are now deeply concerning, and a lot of times these people can be your rent paying tenant for credit card delinquency. Back in 2022 the rate was 8% Now 13% of credit card users are seriously behind on their payments. How about automobile delinquency? Back in 2022 it was 3.6% Now it's 5.6% and then there's student loans. The proportion of seriously delinquent student loans is 10.3% That's the highest since 2020 So the average borrower entering student loan default is now fully 40 years old. Before the pandemic, it was just 36 and a half. Now, there's surprisingly few hard statistics on the exact average age at which Americans fully pay off student loans, but the best available evidence from a platform. Called the Education Data Initiative, it suggests that the typical borrower who successfully repays on a standard timeline finishes somewhere in their early to mid 40s, and a substantial share of borrowers still carry student debt into their 50s and even 60s, so the US student loan crisis is intensifying. How about your tenant in that rent payment? About one in eight renters are behind on their rent payments per the CFPB. Almost every tenant catches up. Some live a paycheck to paycheck timing game. The payment that renters are most likely to miss is for credit cards, and, like I just put the numbers to, they are more than twice as likely to miss a credit card payment than they are an automobile payment. To most tenants, losing the car would mean losing the job, so they'll make the car payment before the credit card payment, and eviction is catastrophic, so they don't want to face that. They'll make that rent payment before a credit card payment too. Alarmingly, half of American credit card users carry balances from month to month, fully half the average interest they're paying is 21 to 22% I mean, sheesh, if Luboo is in a collection of wildly overpriced Stanley tumblers that all look big enough, waste of money. Now, some debtors can tap home equity to pay their consumer debt, but a lot of them aren't homeowners, all right. So, what does this all mean for residential income property owners? Well, since 1980 rent increases have compounded at 3.9% annually, that's the number, so almost 4% rent growth since about the time that Ronald Reagan became president, but rent growth is currently lagging behind this, and I expect that rent hikes will continue to be pretty paltry for the next couple years. Inflation is stressing tenants' consumer purchases too much for them to deal with steep rent hikes. The median household income of a US renter is $55,000 Overall, it's $84,000 All right, so to be clear, that 84k household income is not for homeowners, it's 84k overall for every American household. The 55k number is just for renters. What all this means is that this coming higher wave of inflation from the Iran war, where you're now poised to potentially see the highest rate of inflation of your entire life occur in the next couple years is that when you're looking at adding rental property on your pro forma, you can see how the numbers would be with those historic 3.9% rent increases each year, but it's wiser to run your numbers with no rent increase at all, because higher inflation on all these consumer products means it's less likely that they can handle a rent hike Keith Weinhold 8:25 In the mortgage world. What's the difference between delinquency, default, and foreclosure, anyway? Because some people use a couple of those terms interchangeably, but there is a difference. The timeline is that once you're 30 days late, that is delinquency, and this condition occurs the moment that a single payment is missed. And at this early stage, your bank still hopes that this is temporary, because the bank actually doesn't want to take back your property. They're not in the business to do that. They want you to be able to keep making your payments in general, because if a borrower keeps missing payments and a bank has to take possession of the property, well, then that bank has to pay legal fees and court costs, and even property taxes if they end up taking back the property. Yeah, the bank pays all of that if they have to take it all right, so that's 30 days. What about when a borrower gets to 90 days late on payments, where we're trending closer to the bank having to take back the property? Well, 90 days, that's the point at which we're in mortgage default. When a homeowner's 90 days late on payments, the lender kind of says to themselves that bank is saying, hey, this is serious, and they file what's called a notice of default with both the homeowner and the courts at the 120 day mark. This is pre foreclosure, right? So, after about four months or more of missed pay. Payments and state timelines vary. Texas is famously Formula One fast, really lender friendly, then, but timelines can drag on for one to three years in a bunch of northeastern states, Florida, Illinois and Ohio, so they're more borrower protective, and during Covid, this was overridden, and even fast states became slow. Beyond 120 days of non-payment, this is foreclosure, the legal seizure process. This is when the home sells that auction to the highest bidder. That's sort of like Sotheby's for distressed drywall, but if no bidder raises their paddle, well, then the property returns to the bank and becomes R E O. You've probably heard this term before, that stands for real estate owned, R E O. It also kind of means bank owned, and bank owned is the phrase that kind of makes more sense. That's what REO is, all right. Yes, this is when the bank becomes the home's reluctant landlord, and if the occupant has not left, the bank can formally file for eviction. Banks don't like being in this position, and they might sell the home cheaply. Why would they do that? Because, again, banks are not in the business of owning property, and they don't want to pay those holding costs, besides paying legal fees and court costs, and the banks now having to pay property tax because they do temporarily own that foreclosed upon property. Now they're also usually paying for maintenance, repairs, and insurance, a non-paying borrower like this can typically cost a lender 1000s per month. So this is the difference between delinquency, default, and foreclosure. But, like I said, we are at a time when mortgage delinquency rates are historically low. Instead, it's consumer debtors that are more likely to default today on things like their credit cards and their automobile loans. The takeaway for real estate investors here is that in today's inflationary times, renters are increasingly cost-burdened, rent increases are historically slow. That's sort of the bad news. And then the upside, the good news is it also means that tenants must delay home ownership and keep on renting from you, because as they struggle to pay these rising expenses, it's also harder and harder for them to form a down payment and go buy their own place, that's the real lesson with the parts of the economy where you see default trends today. Keith Weinhold 12:52 Now, if you're an income property owner, like I am, you probably have mortgages with a bunch of different banks, lenders like I do. You've probably noticed more than once that various banks and mortgage servicers, a lot of times, they feature these early payoff tools, enticing you to pay your mortgage off ahead of time, before it goes its full 30 year term, or whatever your full loan duration is. I mean, a lot of banks love it when you try to pay off your own early. It's often good for them and bad for you. And there are a few reasons that banks do this. They reduce their default risk if a bank convinces you, the borrower, to aggressively pay down your principal. It also builds equity faster, and you become less likely to walk away, so it's safer for the bank during downturns. Say there's a borrower with a 300k property and a 50k loan balance, meaning it's mostly paid off. Oh, that's far less risky to the bank than one with a 300k property and a 200k loan balance, meaning that you have less equity in it. So banks value stability. Another reason that some banks want to roll out the red carpet to try to get you to pay off your mortgage early is because banks recycle capital. They don't simply hold every mortgage for 30 years. A lot of loans are sold to Fannie Mae or Freddie Mac, or they're bundled into mortgage-backed securities, or they're serviced for fees. So your originating bank, when they first made that loan with you, oh, they've already earned their origination fees and servicing income and cross-selling opportunities, so getting principal back from you sooner allows them to reissue new loans sooner, and see rising interest rate environments like we've been in lately that changes the incentives for banks too, because if current mortgage rates are higher than your old rate a. Wow, then banks really love getting your old low rate loan paid off. Just say, for example, you have a 3% mortgage that you got five years ago, and new mortgages today are 7% Oh, if you pay off or refinance the old loan, oh well, now the bank can redeploy that money into higher yielding loans. Now they can lend it out at today's 7% that is really valuable to them. So encouraging your payoff, that is often just some consumer service positioning and marketing. You'll see messaging like, hey, make extra payments, or hey, you can own your home faster if you make extra principal pay downs, that's sort of marketing psychology. Because emotionally, a lot of consumers, they're not thinking big, they still emotionally love debt freedom, because a lot of them don't even consider true financial freedom is something that's in the realm of possibility for them, so banks provide tools because customers oftentimes want them and like them. Regulators actually like this position too. It's positioned as responsible lending optics, and financially healthy borrowers are deemed to be safer customers, but a bank sure does not want delinquency or foreclosure from a wealth building perspective. Productive low-cost debt benefits you, the borrower, enormously. Keith Weinhold 16:34 And on previous episodes, I've talked extensively about how making extra principal pay downs on your mortgage is a bad idea, and that's whether it's rental property or your own home, and you know, I'll bring a new example to this for you. It might feel good to pay off your mortgage faster. Your bank probably likes that, as I just explained, but feeling good doesn't build your wealth. Let's just take a 400k mortgage at a 6% mortgage rate. We'll keep it simple. With a 30 year loan, your payment is about 2400 monthly, so you'll pay 864k over the life of the loan. Well, instead, with a 15 year loan, your payment's 3376 and you'll pay just 608k over the life of the loan. So, by paying extra principal with the 15 year, you save about 255k in interest over the life of the loan, and that's it. Most people stop right there, and they think, oh well, then the 15 year paying down principal faster than that has got to be the smarter way, look, I can point to this on paper and show you, no, but with that extra about $1,000 per month of mortgage payment that you made by going with the 15 year, if instead you would have just invested that at an 8% return, you would have about 1.1 million more dollars in your pocket. Some people say they sleep better because their house is paid off, but I would rather sleep knowing that my money is growing faster than my debt is costing me. I only used 8% as a return, too. If your dollars were instead invested in a different vehicle, say in buy and hold income property. We know that it can be multiples higher than 8% and all the while, if we keep our own money and avoid making an early pay down, our cash is also going to remain more liquid than if we sunk it into the house, because houses make terrible banks. It is indeed rather myopic to make extra principal payments on a mortgage loan in most cases. In fact, somewhat related to this, coming up on a future show, I'm going to tell you about the biggest financial expense you will ever have in your life, it is not taxes, it's not housing, it's not interest charges, it's not inflation, it's not paying for children, and it's not health care. Most people have never heard of it. The biggest financial expense that you'll ever have in your life. I'll talk about that coming up in a future episode. Keith Weinhold 19:23 Is today's American housing market a buyer's market or a seller's market? In fact, it's somewhat of a discussion that you can have. There's not a clear cut answer, because more so than usual, it depends on which region of the nation you're looking at. As we know, six months of available supply is a balanced market nationally. There's only 4.4 months of existing housing supply, but almost twice that much new housing supply. National median home values are only up about 1.1% year over year. And what's the future of the investment market? Good, I'm going to discuss this and more with a guest later today. I would like to seriously thank you for your listenership. GRE is a platform largely built on long form trust, podcast listeners, newsletters, coaching calls, and referrals, releasing a show 52 weeks a year for between 11 and 12 years now, and the show is delivered every week from me, a real human flesh and blood host with a pulse and sometimes a cowlick in my hair, really human stuff going on here. I say this because robot podcast hosts are becoming more common, though I still wouldn't say that robot hosts are widespread. Amazon's Alexa Plus now produces AI-generated podcasts featuring chats between two robot co-hosts, but here on GRE it's always been human delivered with no plans to change that promise, and speaking of human connection, I learned that a number of successful guests that you've heard here on the show, they've gotten counsel from a rather special executive coach that's really developed some of these people that you've heard on the show. This coach has helped people show up as the best version of themselves and build them into better leaders, better operators, and better men and women, just like you, I know there's a gap between who you are and who you could be. When someone points out that gap to you, that can be a motivator alone, and when you learn the steps to close that gap, you really start to fulfill your potential. It often takes a trained eye from the outside to get you on the right trajectory and build the sort of person that compounds and builds you closer to your optimal self and people of enormous success have a coach or mentor behind them. Steve Jobs did, Michael Jordan, Tom Brady, Taylor Swift does the accountability piece alone is often enough to elevate your performance. I just learned about this coach this year. This man has been the behind the scenes key to success for a number of not just real estate related pros and GRE guests, but other people too. And interestingly, he hasn't marketed himself online anywhere. Well, I got curious, I learned more about him and kind of tracked him down, and he and I had a great lunch in California together not long ago, and I have since learned from him after 12 years behind the scenes. Well, it was quite a successful lunch, because that coach is now making himself available exclusively for GRE listeners. His name is Daniel Thomas Hind, the number of people with life-changing testimonials from working with him is pretty remarkable. So, if you're a hard-charging business owner or investor, and you want to get in the best shape of your life, physically, mentally, or professionally, you can fill out an application for a free consult. It's private one on one coaching, if you're willing to go to uncommon lengths to achieve pretty uncommon results. Thanks to Daniel, we've all become better leaders, better operators, better men. It started by showing up for ourselves. If it sounds interesting to you, now it can be your turn. You might at least look into it, since it is close personal one on one coaching. He can only help a limited number of people. So, complete an application before spots fill. You can go to Daniel Thomas hind.com H I N D is how you spell his last name, that's Daniel Thomas hind.com More next, I'm Keith Weinhold. This is Get Rich Education. Keith Weinhold 24:05 What if you got your mortgage loans the same place I get mine? You sure can at Ridge Lending Group, NMLS 42056 They provided GRE listeners with more loans than anyone, because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal, and even chat directly with President Chaley Ridge. While it's on your mind, start at Ridge Lending group.com That's Ridge lendinggroup.com Keith Weinhold 24:36 Let me ask you something: if you've worked hard to build wealth, is your money positioned to actually support your goals. A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers Freedom Notes for investors seeking structured income backed by real estate. It's a straight. Forward approach built on real assets, not speculation. In full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed, but with a track record of consistent on-time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call, or text family 266866 that's Family 266866 Keith Weinhold 25:38 This is Peak Prosperity's Chris Martinson, listen to Get Rich Education with Keith Weinhold and Don't Quit Your Daydream. Keith Weinhold 25:52 For an in-house chat, I'd like to welcome back our head investment coach here at GRE. He has his MBA, but perhaps more importantly, he's an active real estate investor himself, and he spends his days helping GRE listeners cut through the noise and actually make smart real estate investing decisions, and this means helping you figure things out, like what market fits your goals, whether cash flow appreciation or even showing a tax law should be your priority, and how to think about financing and what properties, the exact properties pass the smell test, and maybe most importantly, helping investors like you avoid expensive mistakes. And yes, the coaching is free to GRE listeners at GRE Investment coach.com And basically, if the real estate world feels like Costco on a Saturday afternoon, he helps you find the free samples, find the exit, and get the good deals without getting run over by a shopping cart. It's time for you to share with the audience. Naresh Vissa. Naresh Vissa 26:53 Thanks a lot, Keith, for having me back on the show. Always a pleasure to connect with our loyal GRE listeners and followers, Keith Weinhold 27:01 a lot of loyal listeners, some that have listened to all 600 plus episodes, starting from back in 2014 and Naresh we continue to see income property builders provide incentives that we haven't seen in years. Tell us about it. Naresh Vissa 27:19 We're at a key point in this real estate cycle, Keith, regarding incentives, because we had GRE, and I think investors will tell you this, not just through GRE, but maybe in their hometowns and their local markets, that they're seeing incentives that they've never seen before, and a major reason for this is understanding why these incentives are there in the first place. If we go back five years to 2021 we didn't really see any incentives in 2021 outside of maybe like one year of free property management, which isn't the most enticing incentive out there, but today we are seeing more incentives than we've seen, at least in my career as a real estate investor, which is not very long, it's only about 10 years, but in my career as a real estate investor, in my career as a real estate investment coach, and a major reason for that is because providers, we call them providers, we can call them local market builders, or specialists, or flippers, wholesalers - we'll just call them sellers - they want to offload inventory, they want to sell their homes as quickly as possible. And why is that? Because we're not in a 2021 environment anymore, where a property gets listed and within three hours the first offer comes in, and within 24 hours multiple offers are in, and within two days of property is sold. We're not in that environment anymore. There are a variety of factors about why we're not in that environment. Part of it is economy related, part of it we talked at length about Doge, and the government contracts that have been cut. I mean, we're talking about hundreds of billions of dollars that are worth of dollars that are no longer pumping into the US economy, and the many jobs associated with that. We're also talking about the artificial intelligence, so the tech industries for the last few years, have not necessarily downsized, but changed their job functions, or removed, just eliminated job functions entirely, and this has affected markets, not the entire United States, but it's certainly affected some markets that we operate in, Florida, certainly in Texas, you can look at Austin, Texas, for example, and see the impact that the artificial intelligence and AI has had in the sector there. There are just all sorts of reasons, and so this is why builders, they're not building as much. So there were five years ago what are called spec homes. And pre construction homes, pre construction homes are homes that are to be developed and they get buyers ahead of time and they don't build until they get a buyer and then they build and they complete the property. Pre construction homes are not being done anymore as compared to custom home. A custom home is when you have a buyer and the building has started, the buyer has paid a good portion of the building, and the property is complete. But in pre-construction, they haven't even broken ground, they haven't even gotten permits, and a lot of investors have been scared away from that, saying, Why get a home like that when I can just buy a spec home or a custom home. A spec home is a home where the builder just builds a property and they hope that a buyer is going to come after it's built, and the problem with that, as we're seeing today, this is why builders are trying to offload their inventory. It's because so many of these spec homes were built because these builders thought, oh, 2021 2022 those are such amazing years, but now in 2026 they built these homes, and there aren't buyers throughout the building process, they weren't able to get buyers, and there still aren't buyers available, so what do the builders want to do, they want to offer really, really enticing incentives, because it's very highly likely they took out some type of construction loan, and they took out some other type of loan, and they've got all this debt on the property. Builders are not landlords, builders build, they want to build something and sell it off. They do not want to hold on to it and let something just sit there, that builders make money by selling their property, so all these different reasons are why we're seeing incentives like we've never seen before. And to give you an example, instead of one year of property management, we're seeing two years of property management. Yeah, instead of closing cost credits, we're seeing builders and sellers in general actually pay money to buyers, so they close on a property. Let's say they, instead of a closing cost credit, you close on a property, they'll literally just wire you or overnight you a check for x amount of dollars, and this is not like $1,000 $2,000 We've had some investors get up to $50,000 mailed to them after closing on a property, so I think this is a really, really good time for investors to find deals. You brought up Costco earlier, I'm like the Costco finder, it's a really, really good time to find deals, because through networks like GRE we have access globally, not just mainland 48 states, not just United States, not just globally, whether it's teak timber parcels in South America or in Central America, or it's duplexes, quads, single family homes in mainland United States, we have access to these deals, to these incentives, whereas your average person, they're just reading some headline saying, oh, real estate is a bad investment right now, and home values are supposed to crash, and there's so many homes available for sale, and there's going to be this big crash, and and inflation is very high, which means interest rates are really high. That's like the general consensus, but that's what the mainstream news media is telling, and that's what's creating a consensus. Keith Weinhold 33:29 That's what clicks and fear. Yes, Naresh Vissa 33:31 that's where I say that there are GRE is here to find those diamonds in a rough to find those incentives to find those good deals to find those markets, just like even in the stock market, the stock market can be at all-time highs, but you can still find those diamonds in the rough that are good, high-quality companies. Maybe they're undervalued. There's always going to be some type of diamond in the rough. I don't think we've ever gone through a period in our lifetimes where it was like, oh, everything is going so well, and there's nothing to invest in. There's nothing we should just do nothing with our money. I don't think there's ever been a point. There's always in any asset class in any industry. So that's why I say right now I'm seeing incentives. That's how I began this conversation. I'm seeing incentives that I've never seen before, and I'm excited to share them with all of our GRE followers. Keith Weinhold 34:24 Yes, there's never perfection in a market like a panacea, where everything is tuned in just right, and it's really not a buyer's market nationally, in a sense. Now it sort of feels that way, because in 2021 to 2022 we had such a frenzy and such a run up in such a seller's market that things have come somewhat back more into balance. We still have substantially less than six months of supply on a national basis, but yes, to your point, some people are really cashing in on. These incentives, and that's created a pickup in activity recently that you've seen with investors. Naresh Vissa 35:07 I have absolutely seen a pickup in activity, and there could be.. I don't want to speak in absolutes.. there could be a variety of reasons for this. Number one is the stock market has consistently reached all-time highs for the past few weeks or so, and many people, they liquidated some of their portfolio, they liquidated some of those stocks, and said, all right, it's time to get into real estate. Another reason is, yes, you do see these headlines that are doom and gloom, next big crash, and there are some markets in Florida, for example, in Texas, for example, in the DMV area, DC metro area, Maryland, Virginia, and even in some parts of California, you do see a stagnation in home values, maybe even a decline in home values in some of these areas, but I bring them up because some areas where investors own are still thriving and doing really well, and many of those investors who we work with at GRE, they opted to 1031 and say, you know what, I had this property, it appreciated by 60% since I bought it, 60% 50% whatever it might be, and I want to cash out. Well, I don't want to necessarily cash out, but I want to sell in 1031 into an undervalued market, or a market where the homes have declined, or maybe it's an up and coming market. For those who don't know, 1031 is special tax favored strategy from the tax code that allows real estate investors to sell a property and to essentially replace it with a like kind property, and there's tax break, you don't have to pay a capital gains tax or anything on it. There's nothing like that with stocks. So, if you sell a stock, for example, you can't get a more expensive stock with that capital gain and avoid paying the capital gains tax. Unfortunately, you can't do that for stocks, but for real estate, you can. So, we've had several investors do that, where they, 1031 they said this market, it's taken off, maybe it could go down, who knows, but I'm selling at the peak, and I want to buy somewhere else, so that's what we help people do, that's what I help people do, I help them find those deals, those incentives, those markets that could be up and coming, or maybe that declined, and that's why still it makes a lot of sense to be on the lookout for those deals. Keith Weinhold 37:47 Now, one such place is potentially the Oklahoma market. Last week here on the show, I had your co-host for an upcoming event with me, Richard, whom is an Oklahoma City provider, and we were sort of a phrase that I use, Naresh, is that next place, that next place, Oklahoma City, where the prices haven't run up, it's business friendly, and you do have these affordable prices, and you have landlord-friendly laws, potentially that next place where your dollar goes further, and as the Oklahoma City Thunder go deep in the playoffs, you know the nice thing about Oklahoma is that you can still buy real estate there without needing an NBA contract to afford it. In fact, we were spotlighting their $145,000 new build detached single family rental. Now it is tiny, and it comes with both LVP flooring and granite. I mean, it's something that sort of sounds like science fiction in Metro New York City and coastal California. I don't know if paying 145k would even give you permission to look at a house, but that's one opportunity that we've been talking about here. Niresh, Naresh Vissa 39:03 let me talk a bit about Oklahoma, because this is a market that we haven't covered much. In fact, we, I would say, have never covered it in writing. It's not heavily featured throughout GRE's history. Yeah, it's not prominently featured on our website. This is a newer market, and I brought up the term up and coming, so I brought up the 1031 people are 1031 into up and coming markets. Oklahoma is an up and coming market. It's a very landlord friendly state, it's a very tax friendly state. The property taxes are significantly lower in Oklahoma, for example, compared to a Texas or a Florida, which are two very popular in real estate investment states. Investors go after Oklahoma is not quite as high, their home insurance isn't anywhere as high as a Florida, for example, but the best part. It is because of all these different factors. Oklahoma has a lot of industry, and we'll go into it this Thursday on our webinar. Go to GRE webinars.com to register, but Oklahoma, the tourism is getting up and running. The energy industry still has a very important part to play in this world's energy consumption, Oklahoma, it's got huge academic areas. You have Oklahoma University, you have Oklahoma State, you have a plethora of Tulsa has a very strong university there. You have medical schools there. Oklahoma is an underrated state. People don't think about Oklahoma when they think about what are the greatest states in America, or what state that I want to move to, but Oklahoma, I think, is that next up-and-coming state, because there's actually more stuff now. I brought up tourism, you brought up the Oklahoma City Thunder, they never had really any professional sports teams, what, 20 years ago, Keith Weinhold 41:02 right? Naresh Vissa 41:03 And the Thunder now are the best NBA teams. They have been the best, and I'm rooting for them. So this is all good. That's the Oklahoma City area, where the Thunder play, but, like I said, I brought up other markets, like Tulsa, where we have inventory, and there are a few others that we're going to cover, but mostly the best properties that we're going to cover on Thursday are in the Oklahoma City area, places within 45 minutes, 50 minutes from Oklahoma City. So, as you're watching the webinar and following the Oklahoma City Thunder, that should only kind of enhance as the team does better and as Oklahoma gets more publicity, and is on TV more, and you see all those nice stills on TV, and those shots, and ESPNs covering the city, that's all very good for real estate, and for publicity, and this is like an intangible reason to invest in Oklahoma that actually makes a very big difference. So, overall, Oklahoma is what I would call, like I said earlier, up and coming, the home values, because it's up and coming. You can't get $145,000 new construction property anywhere in the United States right now. When I say anywhere, there's a little bit of hyperbole there. If you look to some boondock towns and cities, yeah, you'll find them, but are they really good renters markets? Are they good appreciating markets? Well, in fact, the most of the state of Oklahoma is now, and definitely that Oklahoma City area is. So, I'm excited about this online special event we're having this Thursday, because, like I said, this is a new market, just like the team, I mean, so many fans are just new to Oklahoma, you know, like Oklahoma, like what's in Oklahoma. Well, attend our special event this Thursday, GRE webinars.com and we're going to get down to the nitty gritty of it. I think this is out of all the up and coming markets I've covered over the last 10 years, I think this is the best one, because the problems I had with some of these up and coming markets, like Memphis, for example, crime.. it's why are they up and coming? Why are the home value solo? Well, you know, crime was a major issue. There's no comparison between an Oklahoma City or a Tulsa and Memphis, for example, or a Baltimore. There's no comparison when it comes to esthetics, when it comes to newness, niceness, crime, homicides, no comparison. So, to me, this is a no-brainer. And I think investors should be really excited about this. Keith Weinhold 43:32 There is anticipation for Thursday's live event, which you can enjoy from the comfort of your own home. You'll learn about real estate investing, you'll get to chat with Naresh and the co-host, Richard, that provides there. Ask any questions that you want to have answered in real time. The event name is why investors are targeting Oklahoma real estate this year. It is this Thursday night, the 20-eighth, 8pm Eastern, 5pm Pacific. Sign up is open@grewebinars.com It's free. Naresh, we all look forward to seeing you Thursday night. It was great having you here. Naresh Vissa 44:06 Thanks a lot, Keith. Looking forward to seeing everybody. Keith Weinhold 44:15 Yes, the Oklahoma City Thunder are the reigning NBA champions, and they've gone deep into playoffs again this season, but what you'll find more interesting about Oklahoma City's real estate investment market is that it's business friendly, still affordable population growth, job growth. There are still good deals. You don't need to have a venture capital exit just to put some rental property in your portfolio, and while those $145,000 properties are small detached cottages with LVP and granite, there are other single family rental and duplex styles, all new build, everything here is new construction, the. Like a nice looking 565k duplex in Edmond, Oklahoma. I'm looking at a photo of it right now. Edmund abuts right up against Oklahoma City. Between 2010 and 2020 it had whopping population growth of 16% That is not random. People vote with their moving trucks. Learn more about Oklahoma's growth in energy, aerospace, aviation, logistics, and tech, along with Oklahoma City's downtown revitalization. This creates the rent-paying tenants with stable incomes that we need at the event, the provider is even offering two years of free property management, and they handle all the tenant placement for you. Save your spot for Thursday now@grewebinars.com Our team will see you then. Next week, we'll have Rich Dad Poor Dad author Robert Kiyosaki back here on the show with us. We'll see you Thursday. I'm your host, Keith Weinhold. Don't quit your daydream. Unknown Speaker 46:08 Nothing on this show should be considered specific personal or professional advice. Please consult an appropriate tax, legal, real estate, financial, or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education LLC exclusively. Keith Weinhold 46:36 The preceding program was brought to you by Your Home for Wealth building get richeducation.com
Hilary Dubin is co-CEO and head of Jones' digital product & behavioral support program. She graduated from the University of Pennsylvania magna cum laude, majoring in cognitive science with a concentration in computation and cognition, an honors thesis on the effects of gender, realism, and role of virtual agents, and a minor from Wharton in consumer psychology. She worked in David Brainard's visual neuroscience lab for 3 years and published 4 papers and supplementary materials on illumination discrimination (color perception). After Penn, she was selected as one of ten Americans to be a Ventures Fellow in the Excel Ventures incubator program in Tel Aviv, and continued on to be the inaugural member, and later program lead, of the US Associate Product Manager Program at Atlassian. She worked as a product manager at Atlassian for 5 years, ultimately as Head of Confluence Editions & Admin Experience where she launched Confluence Premium & Free into multi-million dollar product offerings with 2M+ users. She hired & managed two PMs and lead a team of over 30 developers. Prior to founding Jones, she and Caroline founded Cozier together, a sleep & loungewear brand designing ethical, effortlessly chic garments for every/body. Hilary started vaping casually in 2017 when the JUUL seemed relatively harmless and fun. When the world went on lockdown in 2020, her casual vaping habit became a daily crutch for coping with stress and working from home. After over a year of unsuccessful cold-turkey quit attempts, she finally kicked her vaping habit in 2022 when Caroline suggested she try NRT. Outside of work, Hilary loves hiking, backcountry skiing, trying to find the best burger in NYC, and playing with other people's dogs. In This Conversation We Discuss: [00:00] Intro [02:34] Creating products from personal pain points [06:52] Sponsor: Klaviyo [08:59] Meeting potential customers where they are [10:47] Adapting products based on user feedback [13:48] Testing market demand with waitlists [16:02] Sponsor: Electric Eye [17:10] Maximizing personal networks for growth [18:34] Gathering behavioral data in early days [19:52] Callouts [20:02] Launching a product to engaged audiences [22:09] Sponsor: Intelligems [24:09] Pivoting marketing to bridge early limitations [26:24] Driving organic traffic with relatable content [30:33] Adding modern value to traditional products Resources: Subscribe to Honest Ecommerce on Youtube Nicotime mints and social app to quit vaping quitwithjones.com/ Follow Hilary Dubin linkedin.com/in/hilary-dubin-374156b4/ Follow Caroline Vasquez Huber linkedin.com/in/caroline-vasquez-huber Book a demo today at intelligems.io/ Schedule an intro call with one of our experts electriceye.io/connect Get your free demo klaviyo.com/honest If you're enjoying the show, we'd love it if you left Honest Ecommerce a review on Apple Podcasts. It makes a huge impact on the success of the podcast, and we love reading every one of your reviews!
"That's people who choose to just survive instead of truly live." Will you eat pizza crust if it doesn't have garlic on it? Is Tiramisu overrated? Were the Thunder physical in Game 2? Does Aaron Rodgers compare more to John Elway or Blaine Gabbert? Have you ever driven over 100 mph? Learn more about your ad choices. Visit podcastchoices.com/adchoices
Veronique de Rugy argues that tariffs function as taxes paid by Americans, with costs passing to consumers at a 96% rate. Despite promises to revive manufacturing, employment in that sector has continued to decline. The policy is described as a "catastrophe" resulting in billions in unconstitutional levies that require federal refunds. (13/16)1921 WALL STREET
Lowe's had some more bad news about the American consumer. CEO Marvin Ellison said “This has been the most difficult housing market that I have faced in this business since the financial crisis.” Lowe's is hardly alone. Walmart said higher income shoppers are still trading down while lower income Americans are, well, they're running out of their tax refund money. And then there is Kroger. Eurodollar University's Money & Macro Analysis--------------------------------------------------------------------------------Learn more about Augusta Precious Metals and what they have to offer - including physical gold for IRA accounts - by going to: https://EurodollarGold.com or text EURO to 35052. --------------------------------------------------------------------------------Flash PMI signals subdued growth in May amid price surgehttps://www.pmi.spglobal.com/Public/Home/PressRelease/d7a15ea4f43c4e3493db3814db67ad99Lowe's CEO says this is the 'most difficult housing market' since the financial crisishttps://finance.yahoo.com/markets/stocks/article/lowes-ceo-says-this-is-the-most-difficult-housing-market-since-the-financial-crisis-170512082.htmlKroger Plans Biggest Price Cuts In Years to Take On Walmart, Costcohttps://www.bloomberg.com/news/articles/2026-05-21/kroger-plans-biggest-price-cuts-in-years-to-take-on-walmart-costcohttps://www.eurodollar.universityTwitter: https://twitter.com/JeffSnider_EDUI'll also be active on Bravais Social - a new AI-centered social network designed for professionals and knowledge workers. The platform aims to bring together a wider range of tools and functionalities tailored specifically for professional interaction, research, and knowledge exchange in one place. You can find me here: https://bravais.social/profile/edu
Sidekick NAILED $NVDA again! Today I take you through:1. $NVDA - what to do next2. $MU - what $NVDA just told us 3. Cyber security names - FULL ANALYSIS4. A new stock that looks AMAZING 5. SO MUCH MORE PLUS the TOP Alpha Pick Sidekick has been such a great tool and Trendspider's best sale of the year is going on now - get up to 52 training sessions with a product expert once again for less than $30 per session and you can get Trendspider for FREE! Get more details here. FORMULA - Alpha Picks + Seeking Alpha Premium + Trendspider and Sidekick - PERFECT TOGETHER! THESE SALES END SOON: TRENDSPIDER - DON'T WAIT - only 2 days to save up to 45% - get my 4 hour algorithm included on any annual plan.Seeking Alpha's Tool kit (throw this in for the complete package)*BEST DEAL - SEEKING ALPHA BUNDLE - Save over $150 and get Premium and Alpha Picks together ALPHA PICKS - Want to Beat the S&P? Save $50 Seeking Alpha Premium - FREE 7 DAY TRIAL SEEKING ALPHA PRO - TRY IT FOR A MONTH FOR ONLY $89 EPISODE SUMMARY
PREVIEW for Later Today: Veronique de Rugy explains that American consumers bear the full cost of Trumpadministration tariffs. These taxes make domestic manufacturing more expensive and products less affordable, contradicting claims that the policy would benefit the economy.1800 OYSTER STAND NYC
In this episode of the Body Wisdom Podcast, host Jamie Belz, FNTP, MHC sits down with Darrell Rogers of The Holistic Council to unpack a landmark Supreme Court decision that could fundamentally change the future of holistic health, nutritional therapy, wellness coaching, and foundational health education in America. At the center of this conversation is the Supreme Court case Childs v. Salazar, an 8–1 ruling affirming that professionals have First Amendment protections when speaking with willing clients about health, wellness, lifestyle, and personal improvement. Jamie and Darrell dive into what this ruling means for Nutritional Therapy Practitioners (NTPs), functional and integrative wellness professionals, health coaches, their patients and clients, and anyone who has ever felt silenced, censored, or restricted when discussing foundational approaches to health. Darrell Rogers is a longtime health freedom advocate and a leading voice in protecting the rights of holistic practitioners across the United States. Through his work with The Holistic Council, he helps advocate for practitioners and organizations whose work centers around wellness, nutrition, lifestyle education, and bio-individual health approaches. The Holistic Council is a nonprofit organization dedicated to protecting the rights of holistic professionals to educate, communicate, and work freely with clients without unconstitutional government overreach or speech restrictions. In this episode, Jamie and Darrell discuss: The Supreme Court's Childs v. Salazar ruling and why it matters The intersection of health freedom and freedom of speech How state dietetic boards have historically restricted holistic practitioners The difference between regulating conduct versus regulating speech Why foundational health conversations are now federally protected speech Bio-individuality and why one-size-fits-all nutrition doesn't work The role of functional nutrition, nutritional therapy, and wellness education Government regulation, licensing laws, and constitutional rights Why consumers deserve access to multiple health perspectives The future of holistic wellness, functional medicine, and nutrition coaching What this ruling means for NTPs, health coaches, holistic practitioners, and wellness entrepreneurs moving forward This episode is for: Nutritional Therapy Practitioners (NTPs) Functional Nutritional Therapy Practitioners (FNTPs) Health coaches Functional medicine practitioners Holistic wellness professionals Integrative health advocates Consumers seeking foundational health answers Anyone passionate about health freedom, wellness education, and informed choice Whether you're a practitioner navigating scope-of-practice concerns, a wellness advocate passionate about constitutional freedoms, or someone searching for deeper root-cause healing solutions, this conversation offers clarity, hope, and an important look into the future of foundational health education in America. If you enjoyed this episode, be sure to subscribe to the Body Wisdom Podcast, leave a review, and share this episode with someone passionate about health freedom and foundational wellness. Follow Jamie Belz and the Nutritional Therapy Association for more conversations centered around bio-individuality, root-cause healing, and the Foundations of Health. Support the work of The Holistic Council and learn more: https://holisticcouncil.org/ https://holisticcouncil.org/donate/ Connect with Jamie on Instagram: https://www.instagram.com/jamiebelzfntp/ https://www.instagram.com/stories/thebodywisdompodcast/ Check out the Nutritional Therapy Association: https://www.nutritionaltherapy.com/ Join a webinar to see if the Nutritional Therapy Practitioner Program is right for you!: https://www.nutritionaltherapy.com/webinars Follow the NTA on Instagram: https://www.instagram.com/ntatraining/ S2E7: Truth Over Regulation - The Supreme Court Reinstated Health Freedom of Speech
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Mallory May and Blythe Harris are lifelong creativity advocates, design thinkers and mess makers who have spent their careers helping others connect with their innate creativity. Blythe was co-founder and chief creative officer of Stella & Dot, and has been featured in Inc., Fast Company, Vogue France, and Elle, and on the TODAY show. Mallory spent over a decade as a vice president at Sotheby's before launching a career as an artist, designer, and creative director.Her work has been featured in Vogue and exhibited at the Museum of Arts and Design in New York. In 2020, they teamed up to launch DailyCreative.DAILY CREATIVE: The 5-Minute Habit To Rewire Your Brain is an interactive book that helps readers turn creativity into a daily wellness practice. Designed for busy lives and short attention spans, this beautifully illustrated book helps anyone build a five-minute creative habit that sparks joy, strengthens mental agility, and rewires the brain for possibility. Featuring 60 accessible exercises and bonus content that boosts innovation, unlocks perspective, reduces stress, and quiets perfectionism. No art skills needed. No talent required. Just curiosity, a pen, and fiveminutes. Creativity is not a personality trait. It's a trainable neural pathway. Even short bursts of playful creative activity can activate the brain's reward system, increase dopamine, strengthen neuroplasticity, and lower cortisol. Five minutes a day can:● Boost innovation, focus, and problem-solving● Reduce stress and anxiety● Improve mental health and emotional resilience● Expand imagination and personal expressionWHY NOW?● Rising burnout and overwhelm make simple, accessible wellness habitsessential.● Creativity is a top future-of-work skill and a driver of mental well-being.● Consumers are craving analog tools that offer digital relief and emotionalgrounding.Blythe and Mallory join us on The Vault to discuss ways that we can use creativity to bring us daily points of hope, joy and to support our mental health and wellbeing. How to harness creativity. How to become creative. What is creativity? Why is creativity important? What are the different ways to be creative? How to cope with burnout by using creativity. How to Cope with High-Functioning Depression.Follow Daily Creative and Blythe and Mallory:Daily Creative BookBlythe HarrisMallory May Follow Dr. Judith:Instagram: https://instagram.com/drjudithjoseph TikTok: https://www.tiktok.com/@drjudithjoseph Facebook: https://www.facebook.com/drjudithjoseph Website: https://www.drjudithjoseph.com/Sign up for my newsletter here: https://www.drjudithjoseph.com/newsletter-sign-up
Health-focused franchising is becoming an increasingly important part of the modern business landscape as consumers pay closer attention to what they eat, how products are made, and the impact those choices have on their overall well-being. While many brands position themselves as "healthy," fewer are built on a foundation that truly supports that claim across every aspect of the business. Tara Gilad has built her brand around that distinction. As Founder and President of Vitality Bowls, Tara has taken a deeply personal mission and transformed it into a scalable franchise system. The brand was born out of necessity when her daughter was diagnosed with severe food allergies, creating an immediate need for safe, high-quality food options. What began as a solution for her family quickly revealed a larger gap in the market. Health-focused franchising requires more than offering better ingredients. It requires a commitment to transparency, consistency, and operational discipline. As brands grow, maintaining those standards becomes more challenging, especially when expanding through franchising. Systems must be strong enough to ensure that every location delivers the same level of quality and experience. For Vitality Bowls, that commitment starts with the product itself. The brand emphasizes clean, non-toxic ingredients and avoids many of the shortcuts commonly used in the industry. This approach not only differentiates the brand but also builds trust with customers who are increasingly aware of what goes into their food. However, product quality alone is not enough to sustain franchise growth. Franchise systems must support both consistency and scalability. This includes training, supply chain management, and clear operational guidelines that allow franchisees to execute effectively. Without these systems in place, growth can lead to inconsistencies that weaken the brand. Tara's approach highlights the importance of building that infrastructure early. By focusing on strong systems, clear processes, and ongoing support, the brand has been able to expand while maintaining alignment across locations. This level of support is critical in franchising, where each unit represents the brand in a different market. Ford Saeks often emphasizes that systems only work when they are followed and reinforced. In franchising, this becomes even more important because franchisees are independent operators who must balance their own business goals with the requirements of the brand. Alignment between franchisor and franchisee is essential for long-term success. Another key factor in health-focused franchising is authenticity. Consumers are increasingly skeptical of marketing claims, especially in the health and wellness space. Brands that overpromise or rely on misleading messaging risk losing credibility. On the other hand, brands that are transparent about their ingredients, processes, and values are more likely to build lasting relationships with their customers. This focus on authenticity extends beyond food. Tara's work with MyFlexy reflects a broader commitment to non-toxic, effective products across multiple categories. By applying the same principles to both food and wellness, she is creating a consistent brand philosophy that resonates with today's consumers. Franchise growth also depends on people. From the corporate team to franchisees and frontline staff, the success of a brand is shaped by those who represent it every day. Building the right team, fostering strong relationships, and maintaining a shared vision all contribute to a healthier and more sustainable business. Leadership plays a central role in this process. Founders who remain connected to their mission and actively support their teams are better positioned to guide their brands through growth and change. This leadership helps ensure that the original purpose behind the business is not lost as it scales. Health-focused franchising is not just about expansion. It is about building a system that delivers value consistently, supports franchisees effectively, and creates a positive impact for customers. Brands that can achieve this balance are more likely to stand out in a crowded market and sustain their growth over time. Tara Gilad's journey demonstrates that when a business is built on a clear purpose, supported by strong systems, and driven by a commitment to quality, it can grow in a way that remains true to its origins while continuing to evolve. Watch the full episode on YouTube. Join Fordify LIVE every Wednesday at 11 a.m. Central on your favorite social platforms and catch The Business Growth Show Podcast every Thursday for a weekly dose of business growth wisdom. About Tara Gilad Tara Gilad is the Founder and President of Vitality Bowls, a fast-growing superfood café franchise focused on clean, high-quality ingredients and allergy-conscious offerings. A four-time entrepreneur, Tara built the brand from a personal need into a national franchise system known for its commitment to health, transparency, and consistency. She is also involved with MyFlexy, expanding her mission of non-toxic living into the beauty and wellness space. About Ford Saeks Ford Saeks is a Business Growth Accelerator who has generated more than a billion dollars in sales worldwide by helping companies attract loyal customers, expand brand visibility, and drive innovation. As President and CEO of Prime Concepts Group, Inc., Ford has founded more than ten companies, authored five books, earned three U.S. patents, and advised organizations ranging from startups to Fortune 500 brands. His expertise spans business growth strategy, customer acquisition, leadership, and AI-driven content systems that help companies improve results in a rapidly changing marketplace. Learn more at ProfitRichResults.com and watch Fordify LIVE at Fordify.tv.
Thursday May 21, 2026 The Case Against Forcing Residential Consumers to Pay for Data Center Costs
In this episode, Tristan Handy and I sit down to unpack a massive shift coming to the data industry: over the next 12 months, the primary consumers of data won't be humans. They will be AI agents. We dive deep into what this means for data infrastructure, compute costs, and the tools we use every day. We also talk about processing high-volume agent queries, building "context stores", and why the industry shouldn't just build "horses with wheels" when designing agentic data engineers. We also take a fun detour comparing the current AI landscape to the early days of dial-up modems and Mosaic browsers , and discuss why stepping away from the screen and going old-school might be the ultimate productivity hack.
For decades, marketers have debated one question:How much frequency is enough?But what if the industry has been arguing about two completely different things the entire time?In Part 2 of this Sharp Cut series, Marc Binkley and Vassilis Douros revisit the reach vs frequency debate after a wave of listener feedback challenged, refined, and strengthened the original episode. What emerges is a far more nuanced framework built around one critical distinction: burst frequency vs drip frequency.Drawing on work from Byron Sharp, Les Binet, Hermann Ebbinghaus, Stu Carr, Dale Harrison, Paul Hindle, and real-world incrementality testing from industry practitioners, this episode breaks down:Why frequency is not one thingThe difference between burst and drip frequencyHow memory actually works in advertisingWhy brands quietly lose effectiveness when they go darkThe hidden risks of streaming frequency capsWhy low frequency can appear more effective than it really isThe three real jobs of frequency: building, refreshing, and activatingWhy impressions and average frequency often mislead marketersHow last-click attribution continues to distort decision makingThe planning mistakes quietly wasting media budgets todayThis episode reframes one of marketing's oldest debates through the lens of memory, incrementality, and effectiveness.Because the real question was never reach versus frequency.It was burst versus drip.Chapters00:00 - Introduction to Comfort Blankets in Advertising03:40 - Understanding Memory in Advertising08:05 - Building and Refreshing Memory Structures10:08 - The Impact of Streaming on Frequency13:50 - The Three Jobs of Advertising20:38 - Measurement Challenges in AdvertisingOriginal LinkedIn Post: https://www.linkedin.com/feed/update/urn:li:activity:7453434962604691457/Special thanks to all those who inspired this follow-up episode:Stu Carr, Dale Harrison, Paul Hindle and Dennis A.ResourcesBinet, L. (2024, January 17). How advertising REALLY works [Video]. YouTube. https://www.youtube.com/watch?v=B9EDJs3evCIBinet, L., & Davis, W. (2025, October). Go big or go home [Conference presentation]. IPA Effectiveness Conference, London, UK. https://ipa.co.uk/news/go-big-or-go-homeBinkley, M. (2025, August 7). 4Ps - Promotion: Why your customers say ads don't work on me. WARC. https://www.warc.com/en/article/4ps---promotionCarr, S. (2026, February 2). Why a frequency of 1 works, and why it isn't nearly enough. Mi3. https://www.mi-3.com.au/02-02-2026/why-frequency-1-works-and-why-it-isnt-nearly-enoughEbbinghaus, H. (1885). Uber das Gedachtnis: Untersuchungen zur experimentellen Psychologie. Duncker & Humblot.Gordon, B. R., Moakler, R., & Zettelmeyer, F. (2026). Predictive incrementality by experimentation (PIE) for ad measurement (NBER Working Paper). National Bureau of Economic Research.Harrison, D. W. (2022, November). Ad reach and frequency are not independent variables [LinkedIn post]. LinkedIn. https://www.linkedin.com/posts/dale-w-harrisonKlepek, M. (2025). Duplication of purchase and double jeopardy in social media markets [Working paper]. Silesian University of Technology.Krugman, H. E. (1972). Why three exposures may be enough. Journal of Advertising Research, 12(6), 11-14.Ritson, M. (2023, October 16). Consumers don't get tired of ads, only marketers do. Marketing Week. https://www.marketingweek.com/consumers-tired-ads-marketers/Sharp, B. (2010, September 4). Frequency and frequency: Something to watch out for [Blog post]. Marketing Science. https://byronsharp.wordpress.com/2010/09/04/frequency-and-frequency-something-to-watch-out-for/Sharp, B., Romaniuk, J., & Kennedy, E. (Eds.). (2021). Marketing: Theory, evidence, practice (3rd ed.). Oxford University Press.Taylor, J., Kennedy, R., & Sharp, B. (2009). Is once really enough? Making generalizations about advertising's convex sales response function. Journal of Advertising Research, 49(2), 198-200.Thomaz, F. (2024, October 15). Reach sufficiency and the missing dimension [Conference presentation]. SXSW Sydney, Sydney, Australia. Reported in Mi3. https://www.mi-3.com.au/15-10-2024/really-mediocre-outcomes
John Maytham speaks to Wits Associate Professor Michele van Eck on companies telling consumers when they are chatting to an AI bot. Presenter John Maytham is an actor and author-turned-talk radio veteran and seasoned journalist. His show serves a round-up of local and international news coupled with the latest in business, sport, traffic and weather. The host’s eclectic interests mean the program often surprises the audience with intriguing book reviews and inspiring interviews profiling artists. A daily highlight is Rapid Fire, just after 5:30pm. CapeTalk fans call in, to stump the presenter with their general knowledge questions. Another firm favourite is the humorous Thursday crossing with award-winning journalist Rebecca Davis, called “Plan B”. Thank you for listening to a podcast from Afternoon Drive with John Maytham Listen live on Primedia+ weekdays from 15:00 and 18:00 (SA Time) to Afternoon Drive with John Maytham broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/BSFy4Cn or find all the catch-up podcasts here https://buff.ly/n8nWt4x Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.
Eddie Hertzman, founder of Athletech News and creator of the Athletic Innovation Summit, pulls no punches in this conversation about what's holding the fitness industry back — and what it's going to take to finally move it forward. From the frustrating silence of successful fitness executives who refuse to show up at industry events, to the critical gap between how this industry sees itself and how consumers and investors see it, Eddie breaks down why fitness still hasn't gotten its "got milk moment." He and Eric dig into the second year of the Athletic Innovation Summit, what makes it genuinely different from every other fitness conference, and why bringing in voices from hospitality, media, luxury brands, and Wall Street is the only way this industry levels up. Eddie also shares what's new at Athletech News — including a members-only executive circle and a renewed commitment to building content that actually helps operators run better businesses in the age of AI. What You'll Take Away:
IN CLEAR FOCUS: Alia J. Daniels, COO of Revry and President of PrismRiot, discusses the power of privacy-first advertising. She explains why reaching LGBTQ+ and multicultural consumers is a business imperative, not a charitable exercise. Discover the massive addressability gap in programmatic media, why Revry walked away from The Trade Desk to protect audience data, and how a privacy-by-design exchange connects brands to diverse audiences at scale without ever compromising user trust.
U.S. retail meat sales climbed to a record $112 billion in 2025 as consumers continued prioritizing protein and fresh meat purchases despite higher grocery prices, according to the 2026 Power of Meat report released by the Meat Institute and FMI-The Food Industry Association. NAFB News ServiceSee omnystudio.com/listener for privacy information.
Gen Z and millennial consumers are leading in both purchase frequency and annual spending. Neal Hull, director of state and regional marketing with the National Pork Board, said they are working with retailers to ensure ground pork is prominently placed and easy for shoppers to find in the meat case. NAFB News ServiceSee omnystudio.com/listener for privacy information.
When faith, trust, and money intersect, consumers can get hurt. In this episode, Stan the Annuity Man calls out prosperity gospel sales tactics, misused fiduciary labels, and explains how to protect yourself with contractual guarantees and a true second opinion. In this episode, The Annuity Man discussed: Definition and misuse of the "fiduciary" label Religion, churches, and faith-based annuity sales Prosperity gospel and financial product pitching Friends, family, and local agents selling limited annuity options The importance of second opinions and contractual guarantees Key Takeaways: A plaque on the wall or a fiduciary title is no substitute for genuinely putting a client's best interests first. Using church relationships or religious trust to sell annuities is a growing problem and can easily cross ethical lines. Consumers should be wary of buying complex products from friends, family, or small local circles that only offer one or two annuity types. Multi-level marketing and prosperity-focused messaging around annuities demand extra skepticism and independent verification. Treat major annuity decisions like a serious medical diagnosis; always seek a second opinion before committing significant retirement savings. "Fiduciary means that you're putting the client's best interest ahead of the advisor." — Stan The Annuity Man Connect with The Annuity Man: Website: http://theannuityman.com/ Email: Stan@TheAnnuityMan.com Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!
The Automotive Troublemaker w/ Paul J Daly and Kyle Mountsier
Shoot us a Text.Episode #1343: Today we discuss dealers trusting people more than AI when it comes to lead follow-up, Hyundai's big push to repair struggling service satisfaction, and a new lawsuit claiming Toyota buyers deserve part of a potential $9 billion tariff refund.Show Notes with links:Dealers still believe the human element wins the sale. A new Urban Science survey shows strong confidence in showroom sales teams, but much less trust in AI lead follow-up. The takeaway? Dealers want better process visibility before turning things over to automation.72% of dealers said they're highly confident in their sales teams' ability to convert leads, while 75% say they respond in under five minutes.Dealers still see weak spots: 38% cited lack of real-time insight into lost sales and 34% pointed to inconsistent follow-up.Consumers expect speed. Urban Science found 82% say follow-up matters, and 72% expect a response within 24 hours.AI still has a trust gap. Only 14% of dealers trust AI tools for lead follow-up compared to 57% who trust in-house sales teams.Urban Science's Eric Demont said dealers need “a clear understanding” of wins, losses and defection patterns to improve conversion rates.Hyundai is trying to fix one of its biggest weak spots: service satisfaction. After years of complaints about delays, parts shortages and overloaded service departments, the automaker is rolling out mobile service vans, technician recruiting and dealership efficiency programs to win customers back.Hyundai says poor service capacity and years of engine replacement recalls overwhelmed dealerships and dragged down customer satisfaction scores.The brand has added 4,000+ service bays nationwide, while dealers are extending hours and adding Saturday service to handle demand.Hyundai plans to launch a 150-van mobile service fleet by year's end to handle oil changes, brake jobs, software updates and other light repairs at homes or workplaces.The company is also recruiting more technicians, improving diagnostic training and coaching 185 dealerships on service efficiency and workflow gaps.Hyundai's Michel Poirier said the goal is climbing back up JD Power rankings by 2028, adding: “Service is the most important part of the business.”A California Toyota buyer is taking aim at tariff pricing, claiming customers helped foot the bill for billions in import costs — and should get paid back if Toyota ever receives tariff refunds. A proposed class action lawsuit claims Toyota passed tariff costs onto buyers through higher vehicle and parts prices.The filing covers buyers and lessees of qualifying Toyota vehicles purchased between February 2025 and February 2026.Toyota reportedly absorbed about $9 billion in tariff-related costs tied to Japan, Canada and Mexico operations.Toyota recently raised prices on several models, including a $1,600 increase for the 2026 Sequoia, while calling the changes part of a “regular review of the prices.”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/
Cherie Colbom is not only an expert Nutritionist, she has written 35 books, including her Juicing For life which has sold 2 million copies and her current book which became available on April 28th entitled The Truth About Seed Oils. Cherie will talk about how Seed Oils can have negative health effects for consumers and will discuss the link between Seed Oils and Pediatric, Adolescent and Young Adult, and Adult Cancer. Cheire has been on television many times discussing this issue and has also written many articles on this subject.
Advertising SponsorThis episode is brought to you by Arcadia Green Coffee, Colombian coffee exporters taking fresh green coffee from Colombia to the world, farm to roastery, direct.Instagram: https://www.instagram.com/arcadiagreencoffee/WhatsApp: https://wa.me/353877871523Episode DescriptionThis is episode 1 of a 5-part series with Isabela Raposeiras, founder of Coffee Lab Brazil. In this series of The Daily Coffee Pro Podcast by Map It Forward, we're discussing what's changing about leading coffee businesses and why many of the systems, language, and assumptions that built specialty coffee may no longer be serving the industry—or the consumer.In this episode, podcast host Lee Safar and Isabela explore what the coffee industry is getting wrong about managing quality coffee businesses around the world.The conversation challenges one of the biggest assumptions in coffee: that consumers simply “don't understand quality coffee.” Isabela argues that the problem may not be the consumer at all, it may be the industry's inability to communicate value in ways that feel welcoming, inclusive, and relevant.Lee and Isabela discuss how specialty coffee has often created environments that unintentionally alienate consumers through arrogance, overcomplication, and judgment-based culture. They explore why many cafés still prioritize proving expertise over creating connection, and how this disconnect is contributing to consumers walking away from specialty coffee experiences.Isabela also explains why she no longer likes using the term “specialty coffee,” preferring instead to focus on “quality coffee” and hospitality-led experiences that invite consumers into coffee rather than making them feel excluded from it.This episode is a direct and thoughtful conversation about ego, hospitality, consumer behavior, and why coffee businesses may need to rethink the way they define and communicate quality moving forward.Connect with Isabela Raposeiras and Coffee Lab here:https://www.instagram.com/coffeelab_br/https://www.instagram.com/isabela.raposeiras/If you found this episode valuable, make sure you're subscribed to the podcast and follow along for the rest of this 5-part series. In the next episode, we explore how global geopolitics is impacting food supply chains.***************************************About Map It Forward The Daily Coffee Pro is produced by Map It Forward, supporting coffee professionals globally across the supply chain.Website: https://mapitforward.coffeeMailing list: https://mapitforward.coffee/mailinglistPatreon: https://www.patreon.com/mapitforwardInstagram: https://www.instagram.com/mapitforward.coffee/Contact: support@mapitforward.org
Quick SummaryAdam Morka is the entrepreneur behind Trail Hub, a 142-acre events and recreation destination in Durham Region, Ontario built on the site of a former ski hill. In this episode, Adam breaks down how he drove 170% year-over-year revenue growth using a multi-channel marketing strategy, the hard lessons that came with scaling fast, and why his bet for 2026 is simple: elevate your brand.In This EpisodeHow Adam's background as a professional mountain bike racer and Olympic-athlete coach shaped his entrepreneurial mindsetThe morning routines and calendar blocking habits that keep Adam performing at a high level — even on two hours of sleepWhy content marketing and digital visibility are non-negotiable for any business or professional in 2026The step-by-step marketing strategy behind Trail Hub's triple-digit year-over-year growthWhy event marketing is one of the best ROI-generating strategies available (with a real-world case study from supplement brand BPN)The operational growing pains that come when marketing works too wellAdam's one-word marketing bet for the next 12 months: brand elevationKey TakeawaysSchedule everything that matters. Adam's morning workout, family time, and personal development are all on his calendar — not left to chance. If it's not scheduled, it's not a priority.Marketing results lag behind effort. Trail Hub didn't see significant impact from their revamped digital marketing until 6–12 months after launch. Set realistic expectations and stay consistent.Event marketing pulls double duty. Well-executed events can run at break even or a profit AND generate content and brand awareness that keeps paying off long after the event.More impressions, fewer conversions. Most businesses convert only 2–2.5% of website traffic. Trail Hub hit 10% — but it required 375,000 annual website visits to get there. Volume of impressions matters.Elevate your brand deliberately. Consumers in 2026 are investing in brands they share values with. Get clear on who you are as a brand and constantly raise the bar — your marketing spend becomes more efficient and your customer quality improves.Memorable Quotes"If everything matters, nothing does. If everything is a priority, then nothing is a priority. — Adam Morka (referencing Alex Hormozi)""The standards you hold your organization to are essentially the business you create — the same way the standards you hold yourself to create the life you live. — Adam Morka""Event marketing truly is one of the best marketing spends a business owner can make. If you do it properly, you can run the event at break even or a profit — and you're also getting the content and awareness out of the event itself. — Adam Morka"Resources MentionedLinkedIn: Adam MorkaInstagram: @adammorkaTrail Hub: trailhub.caKelsey's Instagram: @KelseyReidlKelsey's Website: KelseyReidl.comHubSpot — CRM and email marketing platform used at Trail HubBloom — paid media marketing agency (Toronto & Montreal)BPN — supplement company; referenced as an event marketing case studyThe Four Burner Theory — framework for life prioritizationAlex Hormozi — entrepreneur and author; quote referencedAbout the GuestAdam Morka is the driving force behind Trail Hub's explosive growth, bringing over a decade of experience spanning professional mountain bike racing, Olympic-level athlete coaching, and tech company scaling. He joined the family business in May 2023 and has since grown revenue by triple digits year-over-year through a relentless focus on digital marketing and brand building.
Kantar BrandZ's Ellie Thorpe explains why brands like Coca-Cola, Red Bull and Walmart continue gaining loyalty, pricing power and market share despite inflation, cautious spending and growing consumer uncertainty
Advertising SponsorThis episode is brought to you by Arcadia Green Coffee, Colombian coffee exporters taking fresh green coffee from Colombia to the world, farm to roastery, direct.Instagram: https://www.instagram.com/arcadiagreencoffee/WhatsApp: https://wa.me/353877871523Episode DescriptionThis is episode 1 of a 5-part series with Isabela Raposeiras, founder of Coffee Lab Brazil. In this series of The Daily Coffee Pro Podcast by Map It Forward, we're discussing what's changing about leading coffee businesses and why many of the systems, language, and assumptions that built specialty coffee may no longer be serving the industry—or the consumer.In this episode, podcast host Lee Safar and Isabela explore what the coffee industry is getting wrong about managing quality coffee businesses around the world.The conversation challenges one of the biggest assumptions in coffee: that consumers simply “don't understand quality coffee.” Isabela argues that the problem may not be the consumer at all, it may be the industry's inability to communicate value in ways that feel welcoming, inclusive, and relevant.Lee and Isabela discuss how specialty coffee has often created environments that unintentionally alienate consumers through arrogance, overcomplication, and judgment-based culture. They explore why many cafés still prioritize proving expertise over creating connection, and how this disconnect is contributing to consumers walking away from specialty coffee experiences.Isabela also explains why she no longer likes using the term “specialty coffee,” preferring instead to focus on “quality coffee” and hospitality-led experiences that invite consumers into coffee rather than making them feel excluded from it.This episode is a direct and thoughtful conversation about ego, hospitality, consumer behavior, and why coffee businesses may need to rethink the way they define and communicate quality moving forward.Connect with Isabela Raposeiras and Coffee Lab here:https://www.instagram.com/coffeelab_br/https://www.instagram.com/isabela.raposeiras/If you found this episode valuable, make sure you're subscribed to the podcast and follow along for the rest of this 5-part series. In the next episode, we explore how global geopolitics is impacting food supply chains.***************************************About Map It Forward The Daily Coffee Pro is produced by Map It Forward, supporting coffee professionals globally across the supply chain.Website: https://mapitforward.coffeeMailing list: https://mapitforward.coffee/mailinglistPatreon: https://www.patreon.com/mapitforwardInstagram: https://www.instagram.com/mapitforward.coffee/Contact: support@mapitforward.org
LIFE TOGETHER Acts 2.42-47 Gordon Dabbs, PhD At Pentecost, front and center, there was; • A community • A shared life MOVEMENT 1 - Devotion Over Casual Acts 2.42 (ESV) They devoted themselves to the apostles' teaching and the fellowship, to the breaking of bread and the prayers. We want spiritual depth… but we structure our lives for spiritual convenience. We want community… but we keep God's people at arm's length. A Spirit-filled church is not built on hype. It's built on habits. MOVEMENT 2 - Awe That Changes Everything Acts 2.43 (ESV) Awe came upon every soul, and many wonders and signs were being done through the apostles. When the Father's grip on us is tight. . . our grip on the other stuff loosens. A Spirit-filled church is a generous church. MOVEMENT 3 - A Life That Speaks Acts 2.46 (ESV) Day by day, attending the temple together and breaking bread in their homes. . . They didn't just attend together. They did life together. THE EARLY CHURCH: Their shared life made the gospel visible. Not just something you hear. Something you see. We love the idea of Acts 2… until it asks something of us. Consumers attend. Committed people devote themselves. We think church is about what we get. God says it's about who you become—together. Let's lean in. Let's devote ourselves. Let's live this life together.Subscribe to PRESTONCREST - with Gordon Dabbs on Soundwise
Derek Champagne chats with Eddie Yoon. Eddie is a growth strategy expert for the last 20 years as a Partner with The Cambridge Group. In the last 5 years, he has helped double numerous businesses-cable media company, food brand, beverage company, pet food brand, consumer robotics, standby generators-from several hundred million to close to a billion dollars.Eddie is the author of the acclaimed book, Superconsumers: A Simple, Speedy and Sustainable Path to Superior Growth. He is also the author of over 40 articles, including Make Your Best Customers Even Better (Harvard Business Review magazine) and Why It Pays to Be a Category Creator (Harvard Business Review magazine). Eddie has been a keynote speaker in the U.S., Africa, Australia, Denmark, the UK and Japan.Business Leadership Series Intro and Outro music provided by Just Off Turner: https://music.apple.com/za/album/the-long-walk-back/268386576
Fed up with the rising cost of electricity, Steve shops around and switches to a new provider in his Boston neighborhood. The process is simple, and Steve thinks the matter is settled until a week later, when he receives a call from his previous provider claiming he is in danger of having his electricity cut off. Steve initially dismisses it as a scam, but the caller seems to know all about his recent switch. What follows is an hours-long back-and-forth, with Steve passed between agents posing as representatives from two power companies. Frustrated and angry, Steve ultimately buys $900 worth of gift cards in the hope of keeping his electricity flowing. This sophisticated scam is one of a number of scams involving utility companies threatening to cut off basic services. Monica Martinez, the executive director for Utilities United Against Scams, shares tips on how to spot utilities-related scams.
Most authors think they're selling to readers. That's the first mistake.Because readers and book consumers are not the same—and confusing the two is one of the biggest reasons books don't sell.In this episode, we break down the critical difference between someone who loves to read and someone who actually buys books, and why that gap quietly derails even the most well-intentioned marketing plans. If you've been showing up, posting, running ads, pitching podcasts—and still watching your sales stall—this is the missing piece.We get into the real psychology behind book buying. A consumer isn't just browsing—they're evaluating risk. Is this worth my time? Will I enjoy it? Does it deliver what I want right now? That's why someone will wait weeks for a library copy instead of spending money (or even an Audible credit) on an unknown author. It's not about price—it's about certainty.And that's where most books fall apart.We walk through what your Amazon retail page is actually responsible for—and why it's not just “information,” it's conversion. From your cover thumbnail to your title, categories, keywords, and especially your book description, every element needs to answer one question fast: why this book, right now?You'll get specific, actionable fixes:Why fiction needs to sell an experience, not a plot summaryWhy nonfiction must clearly define the outcome, not just the topicHow weak positioning shows up instantly in your description (and how to fix it)Why “well-written” copy often underperforms—and what works insteadWe also connect this directly to your broader marketing: ads, influencer outreach, publicity. Because none of that matters if your retail page can't convert the traffic you're sending.This is the shift most authors never make—and it changes everything.If your book isn't selling the way you expected, start here.Send us your feedback!Help shape our 2026 content by taking our 30-second listener poll!
Inflation hit its highest rate in close to three years, driven by the war with Iran. Andrew Ackerman of the Washington Post breaks down how rising costs are squeezing consumers. Many of the American passengers who were aboard the cruise ship struck by hantavirus are now in a specialized quarantine facility in Nebraska. The Washington Post’s Lauren Weber explains what life is like on the inside. British Prime Minister Keir Starmer is under intense pressure to step down. Reuters reports on how his potential downfall comes less than two years after he ushered in one of the biggest parliamentary majorities in the U.K.’s modern history. Plus, Trump’s FDA commissioner resigned, the NBA’s first openly gay player has died, and why some college grads aren’t optimistic about AI as they enter the job market. Today’s episode was hosted by Gideon Resnick.
What does it really mean to “Boss Up”? In this episode of the Jake & Gino Podcast, bestselling author, entrepreneur, and CEO Scott Abbott shares the mindset shifts required to stop thinking like an employee and start taking ownership of your life, business, and future. With more than 30 years of experience scaling companies and generating billions in revenue, Scott breaks down the habits, systems, discipline, and execution strategies that separate high performers from people who stay stuck consuming information. If you feel stuck, overwhelmed, or unsure about your next step, this conversation will challenge you to level up and take action. This episode was brought by Wheel barrow profits. Start your journey here! wheelbarrowprofits.com TIMESTAMPS 00:00 Intro + Presenting Scott Abbott 01:45 What “Boss Up” Actually Means 05:10 The Mindset Shift From Employee to Owner 09:20 Why Most People Stay Stuck 13:40 Consumers vs Executors 17:55 Accountability Changes Everything 22:10 Discipline & Financial Success 26:35 Humanizing Good Systems 30:20 Building a Business Operating System 34:15 AI & The Future of Business 38:00 Coaching, Leadership & Growth 41:45 “Why Don't You Want To Be Your Best?” 45:10 How to Identify Momentum in Business 47:30 Final Advice for People Feeling Stuck 48:45 Closing Thoughts We're here to help create real estate entrepreneurs... About Jake & Gino: Jake & Gino are multifamily investors, operators, and owners who have created a vertically integrated real estate company. They control over $350M in assets under management. Connect with Jake & Gino here --> https://jakeandgino.com. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
We've said from the get-go that consumers paid the bulk of President Trump's tariffs. Now that most were ruled illegal, individual businesses will get to decide whether to pass those tariff refunds onto customers. And any litigation of those decisions could take a while. Also in this episode: What's next for the airline industry sans Spirit, why GameStop wants to buy eBay, and how states could claw back some tax dollars.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.
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