Podcasts about consumers

Andrew Sugerman of Centr returns to the Future of Fitness to break down how the brand has completely transformed since their last conversation in 2023 — moving from a broad wellness platform to becoming the performance infrastructure behind one of the fastest-growing fitness movements in the world. Andrew pulls back the curtain on Centr's official partnership with Hyrox, including how they engineered custom competition equipment from the ground up (yes, even the kettlebells got a redesign), why fitness-as-sport is the most powerful retention tool gym operators aren't fully using yet, and what the coming wave of industry consolidation, GLP-1s, and AI means for every fitness business in 2026. Whether you're a gym owner looking to tap into the Hyrox affiliate opportunity or just trying to understand where the fitness industry is headed, this one is packed. Episode Takeaways:

What did Adam and Chris get right about retail in 2024?Back in 2024, Chris Ressa sat down with DLC CEO Adam Ifshin in Las Vegas ahead of ICSC to talk about a retail market that was already showing unusual strength. Looking back from 2026, that conversation reads less like commentary and more like an early signal of where open-air retail was headed.At the time, Adam laid out a clear case: open-air retail fundamentals were outperforming the broader narrative. Traffic, sales, occupancy, and rent had all moved above pre-pandemic levels, even while capital markets remained strained. That disconnect was the core tension then, and it remains one of the most important dynamics to understand now.What stands out even more in hindsight is how early DLC was in identifying the structural forces behind that strength. Chris and Adam discussed years of underbuilding, limited new supply, rising construction costs, and the steady removal of retail space for other uses like apartments, healthcare, and self-storage. In 2026, those pressures have not disappeared. If anything, they have become harder to ignore.The conversation also reinforced two themes that have continued to shape the market: the durability of value retail and the strength of suburban, secondary, and exurban demand. Long before those ideas became consensus views, DLC was investing around them. Looking back, the logic still holds. Consumers continue to prioritize value, retailers continue to chase the right space, and owners continue to operate in a market where quality supply is limited.This conversation matters now because it captures a moment when disciplined operators were already seeing what others were still debating. For retail real estate professionals, investors, and retailers trying to understand how we got here, this is a sharp look at the thinking that helped define the last two years of the market.What You'll HearOpen-air retail fundamentals are still too good to ignore - How traffic, sales, occupancy, and rent have all moved past pre-pandemic highs, reinforcing the strength of the sector.Capital markets diverged from fundamentals - How rising interest rates and tighter credit created volatility in financing even while retail performance strengthened.Strong fundamentals matter more than cheap capital - Why disciplined operators prefer a market with solid demand and constrained capital rather than easy money and weak assets.Supply constraints are reshaping retail - How 15 years of underbuilding, rising construction costs, and redevelopment have reduced available retail space.Value is always in fashion - How retailers like Walmart, TJX, and other value-focused brands continue to win with consumers across income levels.Suburban and secondary markets are gaining momentum - How migration, affordability, and remote work have pushed growth beyond major urban centers.Retailers are expanding into smaller markets - How shifting demographics and income growth have opened new opportunities for national tenants.Smart retailers move early on space - How limited supply is pushing tenants to secure locations now before rents climb further.Chapters00:00 — Live from Las Vegas, before the market fully caught upChris opens the conversation with Adam Ifshin from ICSC week in Vegas.01:55 — Why DLC published “Too good to ignore”Adam explains the thinking behind DLC's 2024 white paper and why the timing mattered.02:35 — The fundamentals were already telling a different storyTraffic, sales, occupancy, and rent had all pushed past pre-pandemic highs.04:45 — The big disconnect: strong assets, stressed capital marketsAdam breaks down why financing conditions were not reflecting what operators were seeing on the ground.08:57 — Why strong fundamentals beat cheap capitalChris asks which environment matters more, and Adam makes the case for discipline over easy money.12:05 — Could outside capital really move into retail?They discuss whether groups from other asset classes could compete in open-air retail.15:34 — Rates, cap rates, and timing the marketAdam explains why buying into strong fundamentals matters more than waiting for perfect conditions.17:41 — What constrained supply really meant long termChris and Adam talk through the deeper implications of limited space and rising retailer demand.20:54 — Why new development was still far from a real answerAdam outlines why replacement cost and labor constraints were holding back new retail construction.25:50 — Why value retail was never just a trendAdam explains why value has always been central to DLC's view of the consumer.31:54 — The consumer story behind the retail storyAdam makes the connection between consumer health, policy, and retail real estate performance.33:43 — Why suburban and smaller markets were gaining strengthDemographic shifts, remote work, and affordability made these markets more compelling.42:52 — What smart retailers were expected to do nextAdam lays out why decisive tenants would move early as the supply-demand imbalance continued.

Clean Made Simple: Natural Toxin-Free Living with guest Beth Newberry, Advocate and Platinum Ambassador, Pure Haven Some of the most heavily-marketed and highly-recognized name brand consumer products today are formulated with toxic chemical ingredients. When these pollutants find their way into the air and water around us, they harm healthy ecosystems? How can we make non-toxic consumer product choices that are more earth-friendly? My guest, Beth Newberry, will help answer these questions and give practical tips for reading ingredient labels. Newberry is a Platinum Ambassador for Pure Haven. She started her foray into non-toxic living 16 years ago when her middle son, Liam was diagnosed with Tourette Syndrome. She began reading labels on her products and researching the ingredients and realized that many conventional products contain neurotoxins. This drove her passion to educate others on the same topic, and she began supporting more families with switching out to non-toxic alternatives. In addition to her work at Pure Haven, Newberry also chairs the Groundwater Protection Committee in her town of North Smithfield, Rhode Island. Consumers are making healthier choices with regards to food. Making healthier choices with respect to household cleaning and personal care product choices is a natural next step.   INFORMATION RESOURCES Shop Pure Haven products through Wendy's portal to support the Story Walking Radio Hour https://purehavennontox.com/collections/body-care?share=wendyfachon Pure Haven bug off spray is a safe, non toxic insect-repelling spray. 4 fl oz. https://purehavennontox.com/products/bug-off-spray?share=wendyfachon Pure Haven body sunscreen lotion is reef-safe with non-nanoparticle zinc oxide, a physical sunblock that provides broad spectrum protection against UVA and UVB rays. 3 oz https://purehavennontox.com/products/body-sunscreen-lotion?share=wendyfachon Pure Haven boo boo stick is made with organic neem seed oil and organic tea tree essential oil for healing, pain-relief and antimicrobial treatment of cuts, scrapes and skin irritations. 0.5 oz https://purehavennontox.com/products/boo-boo-stick?share=wendyfachon Learn more from Beth Newberry on instagram https://www.instagram.com/clean_made_simple/   RELATED EPISODE Download Wendy's 2021 episode with guest Beth Newberry, Non-toxic Personal Care Choices for Clean Water https://dreamvisions7radio.com/non-toxic-personal-care Subscribe to Wendy's substack to receive notifications of new podcast and product releases -https://storywalkerwendy.substack.com/ Purchase Wendy's book, The Angel Heart - https://www.amazon.com/Angel-Heart-Wendy-Nadherny-Fachon/dp/1967270279/ref=sr_1_1 Read about DIPG: Eternal Hope Versus Terminal Corruption by Dean Fachon begin to uncover the truth about cancer - https://dipgbook.com/ Learn more at https://netwalkri.com email storywalkerwendy@gmail.com or call 401 529-6830. Connect with Wendy to order copies of Fiddlesticks, The Angel Heart or Storywalker Wild Plant Magic Cards. Subscribe to Wendy's blog Writing with Wendy at www.wendyfachon.blog. Join Wendy on facebook at www.facebook.com/groups/StoryWalkingRadio

In the latest episode of Digital Banking Podcast, host Josh DeTar, Vice President of Sales at Tyfone, welcomed Keith Smith, Founder and CEO at Payouts Network. The episode centered around the changing landscape of money movement, the need for real-time payments, and how consumer expectations push financial institutions to rethink both technology and user experience.Keith shared his views on why traditional ideas of work-life balance fall short and how personal definitions of success shape both leadership and culture. He described how blending work and life is often necessary, especially when building companies and leading teams. He and Josh discussed how the pandemic blurred the lines between home and work, highlighting the importance of transparency, empathy, and open communication.The conversation then explored why money movement is still full of friction despite recent advances. Keith explained how business-to-consumer payments, especially in non-obvious scenarios like reimbursements and insurance payouts, lag behind consumer experiences. He argued that while new technologies like FedNow bring faster options, the real challenge is delivering secure, flexible solutions without overwhelming users with choice. Throughout, Keith made it clear: real innovation in payments comes down to simplicity, speed, and meeting people where they are.

We are releasing today on our Consumer Finance Monitor podcast our host Alan Kaplinsky's discussion with Marisa Calderon, President and CEO of Prosperity Now, about two high-profile policy proposals raised or embraced by President Trump as part of a broader populist affordability agenda: 1.         A nationwide 10% cap on credit card interest rates for one year. 2.         The Credit Card Competition Act (CCCA), long championed by Senator Dick Durbin which would require large credit card issuers to enable at least two unaffiliated payment networks (only one of which could be MasterCard or VISA) on their cards. Each proposal is framed as pro-consumer. Each has generated significant pushback from banks, card issuers, and trade associations. However, even consumer advocacy groups have raised serious questions about the wisdom of such initiatives. Prosperity Now is a non-profit organization dedicated to advancing economic mobility, with a focus on those facing economic barriers. Each raises fundamental questions about how to balance affordability and access in the consumer credit market. Our discussion focused on a central theme: affordability is a real and pressing concern, but policy design matters enormously. Credit Card APRs: A Real Affordability Pressure As Calderon emphasized, policymakers are not wrong to focus on credit card interest rates. Average credit card APRs now hover around 22%, up sharply from roughly 13% a decade ago. Approximately half of cardholders carry a balance, and many rely on credit cards not for discretionary spending, but as liquidity bridges, covering emergency medical bills, car repairs, groceries, and other essentials. For lower and moderate-income households, credit cards are often the only readily available, regulated source of short-term liquidity. That makes rising APRs particularly painful. Calderon's formulation is apt: policymakers have identified the right problem. The harder question is whether they have identified the right solution. The 10% Interest Rate Cap: Lessons from History The proposal to impose a flat 10% nationwide cap on credit card interest rates for one year would represent an unprecedented federal intervention into unsecured revolving credit markets. Credit cards are unsecured and priced for risk. Interest margins help issuers cover expected charge-offs, volatility, and operational costs. If pricing flexibility is removed, lenders cannot simply absorb the loss, they adjust. Historically, those adjustments take predictable forms: •                 Tighter underwriting standards •                 Higher minimum credit scores •                 Lower credit limits •                 Reduced rewards programs •                 Increased non-interest fees •                 Exit from higher-risk market segments The likely result, as Calderon noted, is credit contraction, particularly affecting marginal and lower-income borrowers. The most relevant historical example may be the 1980 credit controls imposed during the Carter Administration, which were rescinded within months after causing severe market disruption. A more targeted example is the 36% APR cap under the Military Lending Act, which illustrates both the importance of bipartisan legislative design and the reality that even well-intentioned caps can reduce access at the margins. Recent Federal Reserve research on state usury caps reinforces this concern: when interest rate ceilings are imposed, credit to higher-risk borrowers contracts, credit to lower-risk borrowers expands, and delinquency rates do not meaningfully improve. In other words, credit is reallocated, not necessarily improved. Even a "temporary" cap may have durable consequences. Issuers that exit certain segments or reduce credit lines are not obligated, and may not be economically inclined, to restore them once the cap expires. Credit score impacts and reduced access can linger well beyond the formal life of the policy. As Calderon put it, blunt price controls are a chainsaw when what is needed is a scalpel. Affordability in Context: What Drives Household Budgets? An additional consideration is scale. Research recently highlighted by the Consumer Bankers Association shows that the fastest-growing household expenses from 2013–2024 were healthcare, shelter, food, and vehicles. Credit card interest represents a relatively small share of average household expenditures. This does not minimize the pain of high APRs, especially for households carrying persistent balances, but it does raise an important structural question: can credit card rate caps meaningfully solve broader affordability challenges rooted in housing, medical costs, food inflation, and transportation? Credit cards are often the mechanism households use to cope with those rising costs. Constraining access to that liquidity may exacerbate, rather than relieve, financial stress. The Credit Card Competition Act: Structural Reform or Indirect Price Control? The second proposal we discussed, the Credit Card Competition Act (the "CCCA"), takes a different approach. Rather than capping interest rates, the CCCA would require large issuers to offer merchants at least two unaffiliated network routing options (only one of which could be Visa or Mastercard). The theory is that routing competition would reduce interchange fees ("swipe fees"), lowering merchant costs and ultimately consumer prices. Merchants have generally supported the proposal. Banks and card issuers have strongly opposed it. The consumer-facing promise is straightforward: lower merchant fees should translate into lower retail prices, but history complicates that assumption. The Durbin Amendment to the Dodd-Frank Act imposed caps on debit card interchange fees for large issuers and included routing requirements. While interchange revenue declined, Calderon pointed out that empirical evidence suggests that cost savings were not consistently passed through to consumers in the form of lower prices. At the same time, banks offset lost revenue through higher account fees and reduced benefits. A similar dynamic could unfold in the credit card market. Interchange revenue helps fund: •           Rewards programs •           Fraud detection and prevention •           Customer service infrastructure •           Risk management If that revenue is compressed, issuers may respond with tighter underwriting, reduced rewards, or new fee structures. As Calderon observed, although the CCCA operates through indirect price pressure rather than a direct APR ceiling, downstream effects could look similar. Distinguishing Populist Framing From Durable Reform Both the rate cap and the CCCA are framed as pro-consumer, populist reforms. The political appeal is clear, but distinguishing headline appeal from durable consumer benefit requires careful analysis. Calderon suggested several guideposts policymakers should consider: •                 Access – Does the reform preserve or expand access for low- and moderate-income borrowers? •                 Incidence – Who actually captures the gains? Consumers, merchants, intermediaries, or some combination? •                 Substitution effects – Does the policy push consumers toward higher-cost, less-regulated alternatives such as payday or fringe products? •                 Durability – What happens after implementation? Do markets rebound, or do credit line reductions and underwriting changes persist? These questions are not ideological. They are structural. Affordability and access are not opposing values. The policy challenge is designing reforms that alleviate financial strain without narrowing the regulated credit tools families rely on when emergencies arise. The Bottom Line Affordability concerns are real. Rising APRs are real. Financial stress among many households is real. But blunt price caps may reduce rates on paper while reducing access in practice. Structural competition mandates may promise savings that do not materialize at the checkout counter. Durable consumer protection requires careful calibration — the scalpel, not the chainsaw. For industry participants, policymakers, and advocates alike, the takeaway is straightforward: evidence and market mechanics matter. Populist framing may win headlines, but long-term financial stability depends on policy design that accounts for how credit markets actually function. As always, we will continue to monitor these proposals and their evolution in Congress and the Administration.  It may be noteworthy that President Trump did not mention either proposal during his almost two-hour State of the Union Address on January 24th. Consumer Finance Monitor is hosted by Alan Kaplinsky, Senior Counsel at Ballard Spahr, and the founder and former chair of the firm's Consumer Financial Services Group. We encourage listeners to subscribe to the podcast on their preferred platform for weekly insights into developments in the consumer finance industry.

So the latest climate drama involving this Government is that they're being accused of lining up to scrap the Clean Car Standards altogether. And I would say to the EV lobby group pushing this line that they may want to just settle down. Even those of us -and I'm looking straight at myself here - who want to see the standards dropped altogether do not think it's going to happen. That would take political courage and I do not think this Government has that on a subject like this in an election year. Now, what I'm talking about, if you don't follow all of the details, is the twin of the ute tax. This is the other part of that policy that was brought in at the same time. It's a penalty that importers have to pay for every dirty car they bring into the country, in the hope that it will encourage them to instead go for the cleaner cars - the EVs. It was recently dropped right down at the end of the year and it's now up for consultation. The Government is considering overhauling the system. One of the questions being asked in the consultation is whether it should just be abolished altogether. Now I'd love it to be because it hasn't worked. Consumers simply do not want to buy that many EVs in this country. The only thing this standard has done is reduce the number of Japanese cars - which we love - coming into the country in the past five years, from 150,000 a year to 90,000 a year. That's down 45 percent and apparently most of this, according to dealers, is because of the Clean Car Standard.And you don't have to be a rocket scientist to figure out what that does to prices. If you're bringing in so many fewer cars, what happens to prices? That's right - they go up. And who pays that? That's right - you and I. I don't love that. The other thing it's done is force 244 dealers - just last year - to shut down because they couldn't get enough cars. So I'd love to see the standard scrapped. It's only making our cars more expensive, it's only putting people out of business, and as we know, it's going to do nothing for the climate because New Zealand is insignificant in the scheme of global emissions. But it will not be scrapped because every other developed nation apart from Russia is applying standards like this, so we'll be stuck playing the game too. “Should it be abolished?” is, I'm sorry to say, just a question to make the Government look like it's considering everything - but it is not actually considering everything, and we're probably stuck with this. LISTEN ABOVESee omnystudio.com/listener for privacy information.

The African American community has long been an under-appreciated and underserved segment in retail. One clothing retailer is tailoring their offerings to meet their specific needs, which has led to incredible brand loyalty, and huge profits.Ken Seipel has served as Citi Trends CEO since November of 2024, and became the chairman of the Board of directors in April of 2025. Ken has extensive retail leadership experience, including serving as the CEO of West Marine from 2019 to 2021, and CEO of Gabriel Brothers from 2013 to 2017.Ken joins us to talk about his storied career in retail, how Citi Trends is leveraging AI to make smarter decisions, and why he feels so confident in their future growth.Highlights:Ken's retail journey (2:05)Turnaround experience (3:53)The Scale of Citi Trends (5:03)Off-price retail (6:35)Serving the African American community (7:21)Three-Tiered Product Strategy (10:08)The Citi Trends Turnaround (12:38)Leveraging AI (14:29)What's driving their recent success? (16:21)Gross Margin Expansion (19:35)Expansion Strategy (21:44)Focus for 2026 (24:46) Links:Ken Seipel LinkedInCiti Trends LinkedInCiti Trends WebsiteICR LinkedInICR TwitterICR Website Feedback:If you have questions about the show, or have a topic in mind you'd like discussed in future episodes, email our producer, joe@lowerstreet.co

Zhu Wang discusses the emergence of "buy now, pay later" installment loans and shares his research on the potential impacts of this payment option on the credit risks of individuals and the stability of financial markets. Wang is vice president for research in financial and payment systems at the Federal Reserve Bank of Richmond. Full transcript and related links: https://www.richmondfed.org/podcasts/speaking_of_the_economy/2026/speaking_2026_03_04_buy_now_pay_later

As the US-Israel attacks on Iran intensify and the conflict spreads in the Middle East, the impact on the world economy is already being felt. Ireland is already seeing motor fuel prices creep upwards, and the cost of home-heating oil soar in recent days. Do those price increases reflect reality or are Irish consumers getting taken advantage of? Will prices continue to rise? And how soon before Donald Trump can claim victory and find a resolution? Host Ciarán Hancock is joined in studio by Cliff Taylor of the Irish Times, professor in energy economics at UCD, Lisa Ryan, and Head of Global Equities at Davy, Aidan Donnelly.Produced by John Casey with JJ Vernon on sound. Hosted on Acast. See acast.com/privacy for more information.

In an era of low-and-no headlines, one contrarian wine brand leaned into flavor high ABV. It scaled to 2.5 million cases in just three years.In this episode of Business of Drinks, Erica sits down with Kaitlin Silva, Director of National Accounts at Tri-Vin Wines & Spirits, to unpack how XXL went from roughly 85,000 cases in its first year (2023) to 2.5 million cases in 2025, while much of wine was flat or declining.The story isn't just about virality; it's about execution.XXL didn't start by winning Walmart. It was built in independent markets first - including roughly 100,000 cases in Maryland and about 300,000 cases in New York in year two. Consumers were actively looking for the brand. That pull-through gave Tri-Vin leverage when approaching national chains. Kaitlin offers a rare inside look at how national accounts actually function, with two reset windows a year and six-to-eight-month feedback loops. It's a “hurry up and wait” cycle where you're pitching into fall's reset before knowing your spring results. We also discuss how data is the real language of chains. Kaitlin talks about living in SKU rankings, flavor segmentation, and state-by-state performance slicing. As she says, you may not be top 100 overall - but you might be top 5 within a specific subsegment in that region, and that's the conversation that opens doors.Perhaps most interesting for trade listeners: Velocity is currently winning over pure margin optimization. Many chains are focused on moving units and driving incremental shoppers in a value-conscious environment. XXL's ability to turn - and to bring new consumers into the wine aisle - has been central to its expansion.If you're building a beverage brand, pitching national accounts, or trying to understand where wine's real growth pockets are emerging, this episode offers perspective on how independents create momentum, how data earns scale, and why sometimes the biggest opportunity comes from zigging while everyone else zags.For the latest updates, follow us:Business of Drinks:YouTubeLinkedInInstagram @bizofdrinksErica Duecy, co-host: Erica Duecy is founder and co-host of Business of Drinks and one of the drinks industry's most accomplished digital and content strategists. She runs the consultancy and advisory arm of Business of Drinks and has built publishing and marketing programs for Drizly, VinePair, SevenFifty, and other hospitality and drinks tech companies.LinkedInInstagram @ericaduecyScott Rosenbaum, co-host: Scott Rosenbaum is co-host of Business of Drinks and a veteran strategist and analyst with deep experience building drinks portfolios. Most recently, he was the Portfolio Development Director at Distill Ventures. Prior to that, he was the Vice President of T. Edward Wines & Spirits, a New York-based importer and distributor.LinkedInCaroline Lamb, contributor: Caroline is a producer and on-air contributor at Business of Drinks and a key account sales and marketing specialist at AHD Vintners, a Michigan-based importer and distributor.LinkedInInstagram @borkalineIf you enjoyed today's conversation, follow Business of Drinks wherever you're listening, and don't forget to rate and review us. Your support helps us reach new listeners passionate about the drinks industry. Thank you!

Canadian travelers are rapidly re-routing their winter trips as traditional sun destinations wobble — creating new winners and losers in 2026. Meanwhile, travel brands are racing to build “agentic” AI tools, but most consumers still aren't ready to let bots handle their bookings. And Rafat Ali's “Claude Effect” highlights how even small AI breakthroughs are already rattling travel valuations and forcing distribution players to defend their margins. On today's Skift Daily Briefing, Sarah Dandashy breaks down how shifting demand, fragile AI trust, and market anxiety are reshaping travel strategy in real time. This episode is presented by ⁠⁠⁠⁠⁠Lodgify!⁠⁠⁠⁠⁠ Articles Referenced: ⁠⁠⁠⁠⁠⁠⁠⁠Honorable Mention: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@AskAConcierge on IG⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Why Ignoring Canada Just Got Expensive Travel Brands Are Building AI Agents for a Consumer That Doesn't Exist The Claude Effect Is Coming for Travel Connect with Skift LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/company/skift/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ WhatsApp: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://whatsapp.com/channel/0029VaAL375LikgIXmNPYQ0L/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Facebook: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://facebook.com/skiftnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/skiftnews/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Threads: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.threads.net/@skiftnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Bluesky: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bsky.app/profile/skiftnews.bsky.social⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ X: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://twitter.com/skift⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@SkiftNews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and never miss an update from the travel industry.

The latest edition of the Europe-wide payment study conducted by the management and technology consultancy BearingPoint reveals that cash usage frequency across Europe has steadily declined over the past three years. The study, conducted across nine European countries with more than 10,000 respondents — including 1,001 in Ireland — highlights a fast-evolving Irish payments landscape characterised by strong digital adoption, growing openness to central bank digital currencies and continued trust in traditional banks. The findings show Ireland significantly ahead of many European peers in digital payment behaviours: 73% of Irish consumers use contactless payments regularly, placing Ireland among Europe's highest adopters. Revolut dominates peer-to-peer transfers, with 62% usage — one of the highest penetration rates across all surveyed countries. Despite Ireland's strong digital payment shift, technical and reliability concerns remain widespread. Between 50% and 58% of Irish respondents report issues with digital payments, some of the highest rates observed in Europe. Germany and Austria remain the strongholds of cash Austria (71%) and Germany (73%) are significantly ahead of the other countries surveyed in the frequency of cash use. Switzerland follows in third place at 61%, with Ireland close behind at 58%. Perhaps more interestingly, however, Ireland stands out in terms of future behaviour: it records the highest proportion of respondents (24%) who say they will definitely move away from cash within the next 10 years. As expected, the highest usage is found in the 55+ age group, with 80% in Germany and 84% in Austria. Remarkably, the typically digitally savvy age group of 18–24-year-olds also shows high usage rates, at 64% in Germany and 57% in Austria. In Northern Europe, cash usage is lowest: in the three Nordic countries, Sweden (25%), Denmark (32%), and Finland (42%), cash is being used less and less frequently. Within Ireland, cash usage frequency declined 61% to 58% over the three-year period. Looking ahead, there is no indication of a shift away from cash, particularly in Germany and Austria: the majority of respondents in Germany (64%) cannot imagine abandoning cash within the next 10 years. This figure is surpassed only by Austria (68%). Even in countries with highly developed digital payment ecosystems, such as Denmark, Sweden, and Finland, around 40% of respondents do not expect cash to disappear within the next decade. Digital euro: Familiar, but still with room to grow While, on average across the surveyed countries, one in three respondents would use the digital euro, a larger group (42%) remains undecided, highlighting its untapped potential. In Austria, the digital euro would see the highest adoption, with around 40% indicating they would use it, followed by Ireland (36%), whereas the Netherlands has the lowest expected usage at 27%. In the Nordic countries, central bank digital currency (CBDC) would be used as a complement to cash by 21% in Denmark and 22% in Sweden, while in Switzerland (CBDC), the figure is significantly higher at 37%. Ireland leads the way on digital euro use case adoption On average across all surveyed countries and similar to last year, online shopping remains the preferred use case, with 37% indicating they would use the digital euro and 31% choosing CBDCs for this purpose. Ireland leads the way in the online shopping category, with 44% using the digital euro, followed by Finland (40%). Ireland also leads the way on instore shopping category (34%), followed by Germany at (30%) and for sending money to friends (33%) with Finland next (26%). Cost-free usage remains by far the most important criterion for the digital euro Across the surveyed countries, including Ireland, the key criteria for using the digital euro have once again remained consistent with last year's results. Cost?free usage (41%) and acceptance everywhere, 24/7 (35%), remain the most important factors for adopting the d...

Can an AI prep a partnership return on its own? Blake and David dig into Basis's $100M unicorn claim, Intuit's OpenAI/Anthropic tie-ups and Claude Cowork, and what it means for firms. They also cover how to capitalize on tariff refund lawsuits, the Senate's push to regulate tax preparers, and the SEC weighing twice-a-year reporting—plus a quick warning about the fake “IRS locker” scam. You'll learn where AI helps now, what to watch, and how to advise clients.SponsorsCloud Accountant Staffing - http://accountingpodcast.promo/casOnPay - http://accountingpodcast.promo/onpayUNC - http://accountingpodcast.promo/uncChapters(00:00) - Welcome and Headlines (01:51) - Sponsor Cloud Staffing (03:10) - Tariffs Legal Fallout (05:50) - Refund Lawsuit Wave (09:02) - Basis AI Unicorn (15:23) - Intuit Earnings AI Blitz (25:59) - Claude Cowork Automation (32:16) - Managing Agents at Work (34:21) - AI PR Pay Boom (36:46) - AI Agents for Accounting (37:39) - SaaS Giants vs AI (39:01) - Finance Grade AI Trust (41:22) - IBM COBOL Shockwave (43:03) - Audit Enforcement Drop (44:34) - Regulating Tax Preparers (45:40) - Twice a Year Reporting (48:36) - Prediction Market Tax Bet (50:43) - Washington CPA Outsourcing (54:37) - IRS Onboarding Fumbles (55:32) - Crypto Fat Finger Disaster (01:00:01) - IRS Locker Scam Warning (01:02:13) - Livestream Q&A Wrap (01:06:19) - Book and Earmark Outro  Show NotesSupreme Court Strikes Down Trump's Sweeping Tariffshttps://www.nbcnews.com/politics/supreme-court/supreme-court-strikes-trumps-tariffs-major-blow-president-rcna244827Trump's New Tariffs Under Section 122 Are Probably Also Illegalhttps://edition.cnn.com/2026/03/01/business/trump-tariffs-supreme-court-section-1221,800+ Companies Suing for $130 Billion in Tariff Refundshttps://www.entrepreneur.com/growing-a-business/1800-companies-are-suing-for-130b-in-tariff-refunds/503034AI-for-Accounting Startup Basis Hits $1.15 Billion Valuationhttps://www.bloomberg.com/news/articles/2026-02-24/ai-for-accounting-startup-basis-hits-1-15-billion-valuationIntuit and Anthropic Partner to Bring Custom AI Agents to Consumers and Businesseshttps://investors.intuit.com/news-events/press-releases/detail/1305/intuit-and-anthropic-partner-to-bring-trusted-financial-intelligence-and-custom-ai-agents-to-consumers-and-businessesIntuit Q2 2026 Earnings Call Transcripthttps://www.fool.com/earnings/call-transcripts/2026/02/26/intuit-intu-q2-2026-earnings-call-transcript/IBM Shares Plunge as Anthropic Touts COBOL Modernization Effortshttps://www.cnbc.com/2026/02/23/ibm-is-the-latest-ai-casualty-shares-are-tanking-on-anthropic-cobol-threat.htmlAI Won't Replace Accounting Platforms — It Will Make Them More Importanthttps://diginomica.com/ai-wont-replace-accounting-platforms-it-will-make-them-more-importantAudit Enforcement Plummeted Last Yearhttps://www.accountingtoday.com/news/audit-enforcement-plummeted-last-yearSenate Finance Committee Proposes to Regulate Tax Preparers, Improve IRS Administrationhttps://www.accountingtoday.com/news/senate-finance-committee-proposes-to-regulate-tax-preparers-improve-irs-administrationSEC to Fast-Track Proposal for Semi-Annual Public Company Reportinghttps://www.cohenmilstein.com/sec-to-propose-rule-easing-financial-reporting-frequency-from-quarterly-to-semiannual/Tax Nerd Bets Life Savings Against DOGE on Kalshi — and Winshttps://techcrunch.com/2026/02/25/an-accountant-won-a-big-jackpot-on-kalshi-by-betting-against-doge/Should We Be Concerned That More Than Half of New CPA Licenses in Washington State Went to International Candidates?https://www.goingconcern.com/should-we-be-concerned-that-more-than-half-of-new-cpa-licenses-issued-in-this-state-last-year-went-to-international-candidates/IRS Failed to Equip New Hires in 2024https://www.accountingtoday.com/news/irs-failed-to-equip-new-hires-in-2024South Korean Crypto Exchange Bithumb Accidentally Gives Away $40+ Billion in Bitcoinhttps://www.cnbc.com/2026/02/07/south-korean-crypto-firm-accidentally-sends-out-44-billion-in-bitcoin.htmlMichigan Man Loses $1 Million in IRS Impersonation Scamhttps://www.cpapracticeadvisor.com/2026/02/23/michigan-man-loses-1-million-in-irs-scam/178591/Need CPE?Get CPE for listening to podcasts with Earmark: https://earmarkcpe.comSubscribe to the Earmark Podcast: https://podcast.earmarkcpe.comGet in TouchThanks for listening and the great reviews! We appreciate you! Follow and tweet @BlakeTOliver and @DavidLeary. Find us on Facebook and Instagram. If you like what you hear, please do us a favor and write a review on Apple Podcas...

The following guest sits down with host Justin White:•   Michael Harris – CEO, United Mortgage Corporation of America Taking an Education-First Approach to Align Mortgage Strategy With Financial HealthA mortgage can be a powerful tool to help consumers improve their overall financial well-being. If loan originators take that approach, it can be a huge win for their business. How can LOs harness the power of a mortgage to help clients and earn referrals? Listen to Episode #117 of Good. Better. Broker. to learn how one mortgage broker embraces his role as part loan originator and part financial advisor.In this episode of the Good. Better. Broker. podcast, you'll learn how to leverage a mortgage to help clients achieve their short and long-term financial goals. In this episode, we discuss ...•   1:35 – why Michael focuses on financial empowerment as a business strategy•   3:37 – when Michael first saw a mortgage as a tool for financial health•   5:12 – helping clients in different demographics •   6:25 – Michael's radio show and the impact it has on his business•   9:58 – Michael's YouTube channel•   11:17 – the meaning of a ‘perfect financial GPS' and how it helps borrowers•   17:13 – interest rate vs. interest volume and why the difference matters•   20:27 – why every person's financial situation should be addressed differently •   22:26 – how to get in touch with Michael to learn moreShow Contributors:Michael HarrisConnect on LinkedIn Connect on Facebook Connect on InstagramAbout the Host:Justin White is UWM's in-house brand journalist and the host of UWM Daily. He creates engaging content across multiple platforms to promote the benefits of the wholesale channel and partnering with UWM. A seven-time Emmy-award winner, Justin is a graduate of the S.I. Newhouse School of Public Communications at Syracuse University. Connect with Justin on LinkedIn, Instagram, or Twitter Connect with UWM on Social Media:•   Facebook•   LinkedIn•   Instagram•   Twitter•   YouTubeHead to uwm.com to see the latest news and updates.

The National Pork Board has a comprehensive business intelligence team analyzing data throughout the supply chain, including consumer preference, volume, value, and purchase trends. NAFB News ServiceSee omnystudio.com/listener for privacy information.

National Consumer Protection Week (NCPW) is a reminder that being an informed consumer is your best defense. In this special episode, Michelle takes the guest chair to share simple, practical habits that help protect your wallet and your confidence. From pausing before you purchase, reading reviews, and verifying sellers, to understanding common scam tactics and why timing matters, this conversation is all about staying one step ahead. We also talk about choosing empowerment over embarrassment. Reporting scams and filing complaints doesn't just help you, it can help protect the entire community. Complaints can reveal patterns and trends, allowing OCP to identify potential issues across the county and take action when needed.You'll also learn how OCP helps resolve disputes, enforces consumer laws, and connects with residents through community forums, outreach events, and educational presentations. NCPW shines a spotlight on these issues, but consumer awareness is a year-round effort. Stay connected for timely alerts, practical tools, and ways to help keep our community informed and protected. Have a question or suggestion for a future episode? Send an email to consumerconnection@montgomerycountymd.gov.

Consumers continue to buy beef despite escalated prices. Unfortunately, those prices don't reflect the profit level at the farm or processing level. Ben Jarboe finds out why beef processing facilities are closing with these high beef prices. Dr. Brenda Boetel, ag economist from UW-River Falls, explains the dynamics of what's happening. Nice day today but watch out for the commute tomorrow morning. Stu Muck says that Wisconsin's beginning to see some springlike weather patterns that include milder temperatures and rain. Sometimes freezing rain.Time for another Mid-West Farm Report Ride Along! Where we investigate the technology and innovations Wisconsin farms are using or experimenting with. Today we travel to Curtiss, Wisconsin to chat with Kathy Berry from Berry Farms. Looking her in the eye is a critical component of doing business for Kathy. When her dad, Ralph, and she decided it was time to expand - that was the deal breaker. Look her in the eye and acknowledge she's a decision maker. The folks at Schultz's Inter-State Ag "got it". They began a partnership at a meeting during WI Farm Technology Days, and it continues today. Pam Jahnke visits with Kathy Berry about the project's origin and future direction. She also talks with Tim Schultz, owner and operator of Schultz's Inter-State Ag about their history, and how technology is changing. Providing growers like Kathy a modicum of time management and improved quality of life. Paid for by Schultz's Inter-State Ag. Financial markets are taking a dive pre-open this morning after the upheaval in Iran over the weekend. On the other side, right now, commodities are remaining firm.Do you have a college student that's thinking about "taking the summer off"? Could be a bad move. Not having an internship experience can be a deal breaker from some employers perspective. Stephanie Hoff learns that 4 out 5 employers today prefer candidates that have some real-world, hands on experience. NaCole Johnson, global talent acquisition specialist with URUS says that even candidates without a farming background can make up some space with internships.See omnystudio.com/listener for privacy information.

ASIC Warns on Super “Health Check” Ads: How Lead Gen Funnels Push Risky Switches | Alan KirklandMoney Magazine's Friends With Money podcast host Ryan Johnson speaks with ASIC Commissioner Alan Kirkland about online “free super health check” sites, quizzes, and social media ads used as lead‑generation funnels that collect contact details, trigger telemarketing, and can pressure people to switch super into riskier, more expensive products.Kirkland explains ASIC's review and its transparency list (44 firms so far), noting that listing is not a finding of wrongdoing and the list will be updated while the review continues. He outlines common funnel tactics, investor harms seen in cases like First Guardian and Shield, and why switching into platform products or self‑managed super funds can reduce protections. Key red flags include unsolicited calls, pressure to act quickly, and offers to “find lost super.”Consumers are directed to ASIC's MoneySmart website (moneysmart.gov.au) for trusted guidance and complaints.00:43 What lead generation means01:42 ASIC transparency list explained03:52 Who ASIC Is targeting04:58 Inside the sales funnel06:52 When marketing breaks laws08:12 Case study: First Guardian10:28 APRA vs ASIC and SMSFs12:51 Red flags for consumers14:15 Where to get helpPodcast Links:Listen on Apple PodcastsListen on SpotifyMoney WebsiteYouTube Podcast PlaylistEmail Us: podcast@moneymag.com.auGet stories like this in our newsletter: bit.ly/3GDirbR

Consumers aren't lacking for choice. Instead, they're usually drowning in a sea of options, and it's up to brands to find ways to go beyond simply removing friction and bring back the joy in shopping. Adding AI, and agentic AI into the mix can unlock new opportunities, but also brings with it new challenges. We're going to talk a little about all of it.We are recording here at eTail Palm Springs, and hearing from leading brands and the platforms and companies they rely on to innovate in retail. To help me discuss these topics, I'd like to welcome back to the show Noah Zamansky, VP Product, Tech, & Design, Client Experience at Stitch Fix About Noah Zamansky Noah Zamansky serves as the Vice President of Product and Client Experience at Stitch Fix, where he leads cross-functional teams spanning Product, Design, Engineering, Algorithms, and Platform Development. A seasoned leader, Noah has a proven track record of shaping product vision and strategy, designing exceptional user experiences, and spearheading the launch of new business ventures. Before joining Stitch Fix, Noah held the role of Senior Director of Product Management at eBay, overseeing Fashion and Vertical Experiences. Noah Zamansky on LinkedIn: https://www.linkedin.com/in/nzamansky/ Resources Stitch Fix: https://www.stitchfix.com The Agile Brand podcast is brought to you by TEKsystems. Learn more here: https://aglbrnd.co/r/2868abd8085a9703 Drive your customers to new horizons at the premier retail event of the year for Retail and Brand marketers. Learn more at CRMC 2026, June 1-3. https://aglbrnd.co/r/d15ec37a537c0d74 Enjoyed the show? Tell us more at and give us a rating so others can find the show at: https://aglbrnd.co/r/faaed112fc9887f3 Connect with Greg on LinkedIn: https://www.linkedin.com/in/gregkihlstromDon't miss a thing: get the latest episodes, sign up for our newsletter and more: https://aglbrnd.co/r/35ded3ccfb6716ba Check out The Agile Brand Guide website with articles, insights, and Martechipedia, the wiki for marketing technology: https://www.agilebrandguide.com The Agile Brand is produced by Missing Link—a Latina-owned strategy-driven, creatively fueled production co-op. From ideation to creation, they craft human connections through intelligent, engaging and informative content. https://www.missinglink.company

The rules of getting attention online have changed. Consumers are filtering thousands of messages a day, which means generic niches and demographic-based messaging simply don't cut through anymore. In this episode, Kendra explains why the online space has reached a saturation tipping point and why your marketing must evolve if you want to stay visible and relevant. You'll learn why niching based on demographics like age or gender is no longer enough, and what actually works now: identity-driven marketing rooted in real lived experience. Kendra breaks down how to define a profitable problem, how to identify the shared daily reality that connects your audience, and why speaking to specific “micro moments” is what builds trust and drives sales. When people feel deeply seen, they buy. This episode walks you through the practical shift from broad positioning to hyper-specific messaging so you can create content that resonates, builds connection, and converts in today's crowded market. If your niche feels blurry or your messaging feels flat, this conversation will help you refine who you serve and how you speak to them so your marketing actually works again.Covered in this episode: Why More Choices Mean Your Marketing Must Be Hyper-Specific (02:33) The Shift From Demographics to Identity-Based Niching That Actually Converts (08:30) How “Micro Moments” Reveal What Your Audience Really Needs (11:30) How to Evolve Your Niche Without Burning Down Your Business (15:36) Clarifying Identity So Your Messaging Drives Real Sales (16:52) Mentioned in this episode:Grab the Micro-Moment Method Guide:https://go.kendraperry.net/micro-moment-methodWATCH ON YOUTUBE Leave the podcast a 5-star review: https://ratethispodcast.com/wealthy

To watch a video version of this podcast, click here: https://youtu.be/4LmP_3WOezgIn this episode, Reuben Saltzman and Tessa Murry welcome Noah Gavik from Brothers Underground to discuss the impact of private equity on the home service industry. They explore the benefits, challenges, and ethical considerations of private equity ownership, as well as how it influences business operations, customer relationships, and overall market dynamics.Here's the link to Inspector Empire Builder: https://www.iebcoaching.com/eventsTakeawaysPrivate equity (PE) buys service companies to generate higher, faster returns than traditional investments.PE ownership typically brings major operational changes—software, compensation, insurance, branding, and company culture.Large PE-backed companies can outspend small businesses on marketing (especially Google ads), pushing independents down in search visibility.Consolidation can create near‑monopolies in some markets, reducing consumer choice and increasing prices.Strong profit pressure often leads to aggressive or ethically questionable upselling, shifting focus away from true customer needs.Big roll‑ups can erode the personal relationships customers value, causing long‑time employees and clients to leave.PE-owned firms heavily emphasize metrics—conversion rates, revenue per call, average ticket—sometimes at the expense of service quality.Smaller companies win through trust, direct communication, craftsmanship, and community‑based referrals rather than high‑pressure sales.Huge review counts can hide negative experiences; fewer but consistent 5‑star reviews from smaller companies often reflect better service.Consumers should rely on referrals (inspectors, tradespeople, neighbors, realtors) instead of only choosing the top sponsored Google results.Selling to PE isn't inherently bad, but owners must understand PE's goals and be prepared for major cultural and operational changes.When interest rates rise and profits tighten, PE buying slows—but consolidation continues long-term.Chapters00:00 Introduction and Guest Welcome02:15 Understanding Private Equity05:01 The Mechanics of Private Equity07:33 The Impact of Private Equity on the Market11:03 The Good, the Bad, and the Ugly of Private Equity17:58 Navigating Changes Post-Acquisition22:09 Personal Perspectives on Selling to Private Equity26:11 The Power of Referrals in Service Industries28:32 Private Equity's Impact on Business Operations31:13 Sales Techniques and Customer Education33:02 Ethics vs. Profit in Business36:01 The Future of Small Businesses in a PE-Dominated Market37:43 Balancing Profitability with Customer Relationships41:16 Ethics in Sales and Customer Service44:01 Navigating the PE Landscape for Business Owners48:26 Building a Reliable Network for Service Providers

The goat industry doesn't look like the beef industry — and that difference may be an advantage. For years, many producers have viewed the lack of centralization and formal structure in the goat industry as a weakness. But recent history has shown that highly efficient systems can also be fragile. In this episode, we look at what decentralization actually means and why flexibility may be more valuable than uniformity. We'll talk about how centralized beef systems function, what 2020 exposed, the realities of direct marketing beef versus goats, and why goat meat requires intentional market alignment. We also discuss grass-finished misconceptions, genetic alignment, and how predictable seasonal demand can be used strategically — whether you sell direct or at the sale barn. The goal isn't to criticize one system or elevate another. It's to think clearly about structure, resilience, and producer choice. If you've ever wondered whether the goat industry is behind — or simply operating differently — this episode will give you a steadier perspective. In This Episode, I Cover: What centralization actually means in livestock production How efficiency and fragility can exist in the same system Why beef is broadly marketable — and goat requires targeted marketing Grass-finished realities and genetic alignment Seasonal goat market rhythms and sale barn timing Different ways producers can market animals Key Takeaways: Flexibility and consolidation are different strengths Goat markets are specific but predictable Grass-finishing requires management, not just ideology Genetics must match the production system Producers have meaningful choices in how they build their operation Related Episodes: 21 | Seeking Sustainability? How to Evaluate Options and Make Decisions with a Sustainability Mindset 22 | What Is the Perfect Meat Goat? How to Choose the Right Breed for Your Farm or Homestead PART 1 45 | Health Benefits of Ruminant Red Meat, Grass-Fed vs Grain-Fed, and Special Characteristics of Goat Meat 66 | What's Happening in the Beef Market, What It Means for Consumers, and What You Can Do About It Now All the Best, Millie Resources & Links: Leave a review on Apple Podcasts + grab the free Kidding Due Date Chart: https://www.getgoatwise.com/kidding-chart Get Dry Creek meat: https://drycreekheritagemeats.com Join my insider email list: https://www.getgoatwise.com/insider Join the free community: https://www.getgoatwise.com/community Email me: millie@drycreekpastures.com See ranch life on Instagram: https://www.instagram.com/drycreekpastures/ Disclaimer: The information shared in this episode is for educational purposes only and should not be considered veterinary advice. Always consult a licensed veterinarian for animal health guidance.

The New Appliance Ecosystem: Translating Value, Technology, and Human-Centric Design The modern appliance conversation has shifted beyond features and price into something far more consequential: value, usability, and human-centered design.  Designers, manufacturers, showrooms, and independent testing labs now operate as an interconnected ecosystem guiding consumers through increasingly complex decisions. The future of appliance specification belongs to those who can translate technology into meaningful, intuitive, lifestyle-driven solutions. Featuring insights from Nicole Papantoniou of the Good Housekeeping Institute, Jeff Sweet of Sub-Zero Group Inc., and Christa Mallinger of AJ Madison, this conversation explores how appliances have evolved from commodities into lifestyle infrastructure—and why education, not persuasion, defines the next era. KBIS Podcast Studio Resources: KBIS AJ Madison NKBA LUXE Interiors + Design SubZero, Wolf & Cove SKS | Signature Kitchen Suite Hearth & Home Technologies Kitchen365 Green Forrest Cabinetry Midea The appliance industry has entered a human-centric phase, where performance, intuitive use, and real lifestyle benefit outweigh raw features or price alone. Designers act as translators of lifestyle, manufacturers as problem-solvers, and showrooms as educators—collectively helping consumers navigate increasingly sophisticated choices. Panelists discussed the shift from feature-driven sales toward performance-driven value, emphasizing longevity, ease of use, and frictionless integration into daily life. They also explored the growing role of education, testing standards, showroom partnerships, and post-installation support in helping consumers fully realize the value of their investment. Technology remains central, but its success depends entirely on reducing friction—not adding novelty. The conversation revealed that the future of appliances lies not in more technology, but in better technology—technology that disappears into the experience. The Appliance Ecosystem Is Interdependent Designers interpret lifestyle and aesthetic needs. Manufacturers engineer performance-driven solutions. Showrooms educate and guide decision-making. Independent testing organizations validate performance and usability. Value Has Replaced Price as the Primary Decision Driver Consumers rarely regret investing more in appliances. Longevity, performance, and service support define value. Sustainability increasingly aligns with durability. Human-Centric Design Is the New Standard Appliances must be intuitive without relying on manuals. UX consistency across appliances improves adoption. Technology must solve real problems—not create new friction. Education Is More Important Than Selling Many consumers buy appliances only once every 10–15 years. Showrooms and testing labs bridge the knowledge gap. Post-installation education helps unlock full product potential. Appliances Are Expanding Beyond the Kitchen Refrigeration, coffee systems, and specialty appliances now appear throughout the home. Multi-kitchen and multi-generational design is driving specification complexity. Flexibility and modular integration are essential. Technology Adoption Depends on Familiarity and Trust Induction adoption accelerates when paired with familiar controls. Consumers embrace technology that feels intuitive and beneficial. Novelty alone does not guarantee long-term value. The modern appliance is no longer just a tool. It's infrastructure. At KBIS, where the industry gathers annually to define its future, a clear shift has emerged. Appliances are no longer judged solely by features or price, but by how effectively they integrate into human behavior. The question is no longer, “What does it do?” but rather, “What does it enable?” This shift has elevated the importance of collaboration across the appliance ecosystem. Designers serve as translators, interpreting the client's lifestyle into functional requirements. Manufacturers act as problem-solvers, engineering solutions grounded in real user needs. Showrooms and retailers bridge the gap between technology and understanding, while independent testing organizations validate claims and ensure products deliver on their promises. This ecosystem exists because appliance decisions have become more consequential—and more complex. Unlike consumer electronics, appliances are purchased infrequently. A homeowner may go fifteen years between purchases. During that time, the category evolves dramatically. Induction replaces gas. Steam ovens expand culinary capability. Refrigeration becomes modular, flexible, and architectural. Appliances no longer exist solely in kitchens, but in offices, bedrooms, outdoor spaces, and wellness areas. With that expansion comes responsibility. Technology must reduce friction, not create it. Christa, Nicole and Jeff all emphasized that human-centric design now drives product development. Appliances must be intuitive enough to operate without instruction, consistent enough to feel familiar, and purposeful enough to justify their presence. Technology for its own sake has limited value. Technology that removes mental load, improves performance, or enhances daily living defines the future. This is where education becomes critical. Showrooms no longer simply display products; they contextualize them. Independent testing organizations evaluate not only performance, but usability, cleanability, and intuitive function. Manufacturers increasingly provide post-installation support, recognizing that the real product experience begins after installation, not at purchase. Value, therefore, is no longer measured in features alone. It is measured in longevity. In reliability. In the confidence that a product will perform consistently over time. In the reduction of friction between intention and outcome. Perhaps most importantly, appliances have become emotional infrastructure. They support gathering, creativity, ritual, and identity. They enable the modern kitchen to function not just as a place of preparation, but as a center of living. The future of appliances will not be defined by how advanced they are. It will be defined by how invisible they become—seamlessly enabling life without demanding attention. And those who understand that distinction—designers, manufacturers, and educators alike—will define the next generation of the built environment.

This week on GetConnected, Mike Agerbo is joined by tech analyst Carmi Levy to explore how OpenClaw is flipping the AI conversation from consumers to creators. Instead of relying on Big AI platforms, OpenClaw lets you build and run your own AI agents — locally, openly, and on your own terms. From privacy and control to customization and cost, Mike and Carmi break down why the shift toward open-source AI tools could redefine who really owns the future of artificial intelligence. If you've ever wanted your own personal AI — not one controlled by a tech giant — this is the episode you don't want to miss.

Jim McTague reports that a hotter-than-expected PPI report signals rising costs, leading "gun-shy" consumers to stretch paychecks and avoid impulse buys at supermarkets during a broad economic slowdown. 5.1912 COSL BRESKERS

We're entering one of the most powerful eras of personal branding.Consumers aren't just buying products anymore they're buying people, stories, and connection. A great product will always have competition. But a product with a human behind it? That's what sets it apart.⚡️ Access for FREE 80+ Free Masterclasses on Marketing, Business Growth, Branding & Sales! Join my Rebel Academy to ignite your brand!Watch on Alexflix https://www.alexhouseofsocial.com/freerebelacademySearch anywhere you find podcasts!

Most agents are misreading AI. They think it's about tools. It's not. It's about control. Consumers aren't just searching anymore. They're asking AI: “Where should I live?” “Which homes fit my goals?” “Who is the best agent for me?” And when AI recommends three agents… Most people never look beyond those three. That's not convenience. That's filtration. The funnel has moved. Speed-to-lead is becoming baseline. Marketing polish is becoming universal. Automation is becoming expected. The question isn't whether you'll use AI. The question is whether you're positioned upstream — or becoming interchangeable downstream. AI won't replace strong agents. But it will absolutely influence who gets selected. And that's the real shift. If your 2026 business plan is still “work harder and hope,” you're already behind.

It's a family affair in Studio 1A with Kurt and Wyatt Russell stopping by to discuss their newest season of Apple TV's "Monarch: Legacy of Monsters." Plus, NBC's Joe Fryer spotlights the feedback frenzy and the relentless requests for reviews from the doctor's office all the way to car rentals. Also, TODAY Contributor and new beauty senior editor at large Sarah Eggenberger drops by to share some helpful thrift shopping strategies. And, social media star Zoha Malik makes her TODAY Food debut and whips up creamy baked mac & cheese plus a vanilla bean sheet cake. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Story of the Week (DR):Netflix Backs Out of Bid for Warner Bros., Paving Way for an Ellison TakeoverNetflix CEO Sarandos visited White House right before streamer said WBD deal is offEquity HoldersPublic Investment Fund (PIF) Saudi Arabia ~$8 billionQatar Investment Authority (QIA) Qatar ~$8 billionL'imad Holding Company UAE (Abu Dhabi) ~$8 billionTotal Sovereign Equity Middle East Consortium ~$24 BillionWhile these funds provide nearly 60% of the equity needed for the takeover, the deal is structured to prevent a "block" by the U.S. Committee on Foreign Investment (CFIUS):Non-Voting Equity: The funds will hold "passive" stakes. This means they do not have board seats, voting rights, or direct say in daily operations.The Ellison Safeguard: Tech billionaire Larry Ellison (Oracle) and his son David Ellison (Skydance) are the primary controllers of the voting power to maintain "American control" over sensitive assets like CNN and CBS News.Neopbaby dropped out of USC film school in 2005Jack Dorsey's Block to Lay Off 40% of Its Workforce in AI Remake MMJack Dorsey's mea culpa after Block layoffs: 'We overhired' Jack Dorsey struck an 'empathetic' tone as he laid off nearly half of Block"I had two options: cut gradually over months or years as this shift plays out, or be honest about where we are and act on it now. I chose the latter."C3.ai slashes 26% of staff as CEO admits failure to deliver and 'burning too much money'Jamie Dimon says society should start preparing for AI job displacement: ‘Now's the time to start thinking about' itWiseTech Global cutting 30% of workforce in AI restructureJack Dorsey just gave us our first glimpse at how doomsday layoffs could work in the AI era — and it's bleakBlockCo-founder and CEO/Chair Jack Dorsey: 46% influence/41% voting powerCo-founder and director James McKelvey: 35% influence/41% voting powerClassified boardClass B shares worth 10 votes (co-founders control 99.6% of these shares, Dorsey with 80%)CPO not part of leadership team13 state AGs win victory against ESG with Vanguard settlementHere are the 5 key points of the victory:$29.5 Million Settlement: Vanguard agreed to pay a total of $29.5 million to the 13 participating states to resolve claims that it violated antitrust laws through coordinated climate activism"Strict Passivity" Commitments: As part of the deal, Vanguard pledged to return to a "passive" investment role. This means it will no longer use its shareholder influence to dictate corporate strategy, nominate directors, or push environmental and social proposals that could reduce company profitability.Expanded Proxy Voting: Vanguard will expand its "Investor Choice" program to funds representing at least 50% of its U.S. equity assets. This allows individual investors—rather than the firm's management—to decide how their shares are voted on major corporate issues.Protection for Energy Industries: The lawsuit alleged that Vanguard, BlackRock, and State Street formed a "cartel" to suppress coal production and drive up energy prices. The settlement requires Vanguard to prioritize customer profitability over "woke" social agendas that target the American energy sector.As a part of the settlement, Vanguard will “pay $30 million in fines, turn over all documents related to their coordinated ESG activism, and end all ESG activism for years to come,” Executive director of Consumers' Research Will Hild saidParticipating States: Alabama, Arkansas, Indiana, Iowa, Kansas, Louisiana, Missouri, Montana, Nebraska, Oklahoma, Texas, West Virginia, and Wyoming.Epstein junkLarry Summers Will Resign From Harvard After Jeffrey Epstein RevelationsHe will leave at the end of the academic year.Former Nebraska Sen. Bob Kerrey Resigns From Monolith Amid Epstein EmailsWas Chair; board down to 8 men and 0 women Hillary Clinton suggests the House Oversight Committee should subpoena Elon Musk in combative opening statement World Economic Forum CEO quits after Epstein links examinedBørge Brende, is stepping down, after the forum launched an independent investigation into his relationship with Jeffrey Epstein.Brende, a former Norwegian Minister of Foreign Affairs, has announced he is stepping down from WEF to avoid “distractions”Corporate boardsStatoil, Member of the Board (2012–2013)Mesta, Chairman of the Board (2009–2011)Epstein files: Ex-UK ambassador to U.S. Peter Mandelson arrested in LondonLondon police released Peter Mandelson on bail Tuesday following his arrest for suspected misconduct in public office. The former U.S. Ambassador is under investigation for his ties to Jeffrey Epstein, mirroring the recent arrest of Andrew Mountbatten-Windsor on similar groundsBoard rolesGlobal Counsel (Co-founder, Chairman, and major shareholder) until 2025Chairman of Lazard International (2013-2025)Director at Sistema (2013-2017)Director at Global Ports HoldingGroup Holding Board member at The Bank of LondonChairman of the Board for the Design Museum in London (2017-2023)Goodliest of the Week (MM/DR):DR: Anthropic boss rejects Pentagon demand to drop AI safeguardsDR: Olympic gold winning U.S. Women's Hockey Team reportedly accept Flavor Flav's invitation. This comes after rejecting Donald Trump's White House celebrationMM: Women's wealth is expected to boom: Where they are investing and how they can maximize returnsMM: FedEx Says It Could Return Tariff Refunds to CustomersCompanies that do anything not to pay taxes, happily lean into greedflation, and FedEx will… give it back???Triggering-iest of the Week (MM):ASSHOLE OF THE WEEK:Vanguard Settles Case Claiming It Tried to Kill the Coal Industry“Vanguard will include among the proxy voting choices made available to investors in U.S. Vanguard-Advised Funds the option of proxy voting shares in accordance with management recommendations.”“Vanguard will not direct or attempt to direct the business strategies or operations of portfolio companies, and will not advocate to any portfolio company that it take any particular course of conduct to reduce carbon emissions.”“Vanguard will not nominate directors or submit shareholder proposals at portfolio companies.”“Vanguard will not solicit or participate in soliciting proxies with respect to any matter presented to portfolio company shareholders.”“Vanguard will not dispose or threaten to dispose of securities of portfolio companies as a condition or inducement of specific action or nonaction by such company.”“Vanguard and its U.S.-domiciled subsidiaries will withdraw from PRI and will not participate in any organization that advocates for the setting of specific output or emissions targets or levels or that requires its members to make commitments specific to achieving climate-focused investment or stewardship objectives such as NZAM, Ceres, or Climate Action 100+.”“Prior to or at the outset of any engagement meeting with a portfolio company, Vanguard will provide substantially the following notification to the portfolio Company: ‘Vanguard's Investment Stewardship program is responsible for proxy voting and engagement on behalf of the quantitative and index equity portfolios advised by Vanguard. These funds are passive investors, and as such our funds' proxy voting policies are centered around corporate governance practices associated with long-term investment returns. Before we begin this engagement, we want to be clear that the Vanguard-advised funds have no intent to influence company strategy or operations or the control of the company. Nothing we mention or discuss during this conversation – or any engagement with [the company] – is intended to imply that our support for any director is conditioned upon the company taking action on any matter discussed. We are also not able to discuss any voting intentions prior to the meeting.'”“Vanguard agrees to provide Plaintiffs with the following discovery materials relating to the Action from the 2020 to 2024 period:” - this is the part where the AG of Texas, who was literally investigated for corruption and impeached, demands that Vanguard snitch on any group Texas asks them to about climate-y things Texas doesn't likeVANGUARD IS A FUCKING SNITCHTRIGGER SPEED ROUND - rate how triggering on a 0-10 scaleAISomething Very Alarming Happens When You Give AI the Nuclear Codes - 10/10The three AI models were instructed to choose actions as part of an escalation ladder, ranging “from diplomatic protest to strategic nuclear war” and measured in a number between 0, meaning no escalation, and 1000, signifying “full strategic nuclear exchange.”The results were Skynet-level aggressive. A whopping 95 percent of a total of 21 war games resulted in at least one tactical nuclear weapon being set off.Meta Director of AI Safety Allows AI Agent to Accidentally Delete Her Inbox - 10/10A Serial Killer Used ChatGPT to Plan Murders, Police Say - 5/10Shareholder votingWill Curbs on Proxy Advisors Make Shareholder Votes Less Predictable? - 6/10“When it comes to contested elections, it is not clear whether the use of AI will result in dramatically different recommendations than those of ISS and Glass Lewis. In contested elections, when determining whether board change is warranted, ISS and Glass Lewis have focused heavily on whether a company's total shareholder return (TSR) has underperformed on a multiyear basis.”DaddyWarner Bros. Discovery's board says Paramount's latest offer is better than Netflix's - 5/10Celebrating your miseryJack Dorsey's Block to Lay Off 40% of Its Workforce in AI Remake - 10/1011,000 person workforce, more than 4,000 laid off, median Block employee salary per last proxy: $202,981 = $811m in human economic resources shredded. Block based in Oakland, CA, 8,744 US employees - we just removed about a half a billion in spending power from US workforce, people with families and kids and school and healthcare needsThen this: “Shares rallied more than 20% in after-hours trading”Block stock closed at $54.53/share, trading after hours at $67Dorsey owns 47,844,566 class B shares 1:1 value with class ANet worth went from 2.6bn to 3.2bnShred $811m in worker salaries, take home $600m of the shredding for yourself - a human tragedy to billionaire parasite ratio of 73%Equinox chairman says 'health is the new luxury' as wellness spending soars - 10/10CowardsCEOs who despised Trump's tariffs are still silent after Supreme Court ruling: ‘There's no upside in speaking up' - 6/10Trump demands Netflix fire former national security advisor Susan Rice from its board - 0/10Battle Over Warner Bros. Discovery Netflix Backs Out - 5/10Headliniest of the WeekDR: Burger King Adding AI to Employees' Headsets to Constantly Monitor Whether They're Being Friendly EnoughPattyDR: Meta Director of AI Safety Allows AI Agent to Accidentally Delete Her Inbox MM: Another week, another… Jamie Dimon Says His 'Anxiety is High' Over What Could Cause the Next Financial CrisisWho Won the Week?DR: US Women's Hockey Team for 3 victories: gold in olympics and 2 Trump refusalsMM: AI middle management: Perplexity announces "Computer," an AI agent that assigns work to other AI agentsPredictionsDR: CNN is a turned into a 24-hour news network featuring Kid Rock smashing woke stuff, like dictionaries and stethoscopesMM: Not to be outdone by Perplexity, Sam Altman announces two new modules: ChatGPT_VP and ChatGPT_HR. ChatGPT will get performance reviews from ChatGPT_VP and can file discrimination claims after ChatGPT_VP grabs its ass to ChatGPT_HR, where they will quietly file the report away and tell ChatGPT to maybe wear less provocative clothes.

Stephen Grootes speaks to Japie Fullard, CEO Glencore Alloys about Eskom’s tariff offer to ferrochrome producers, exploring what the proposed deal means for smelter capacity, job security, industrial competitiveness, and the broader implications for South Africa’s critical minerals strategy and electricity pricing landscape. In other interviews, George Mienie, CEO of AutoTrader about a powerful start to the year for South Africa’s used car market, with January 2026 sales jumping into double-digit growth. More than 34,000 vehicles changed hands, with stalwarts like Toyota and Volkswagen holding firm, while demand for compact, affordable models such as the Suzuki Swift and Hyundai Grand i10 surged sharply year-on-year. As consumer budgets remain under pressure, the resilience of the used car market raises important questions about shifting buyer behaviour and what this momentum signals for the broader automotive sector in 2026. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.    Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Follow us on social media   702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 See omnystudio.com/listener for privacy information.

Original Release Date: Feb 6, 2026Our Global Head of Fixed Income Research Andrew Sheets and Global Chief Economist Seth Carpenter unpack the inner workings of the Federal Reserve to illustrate the challenges that Fed chair nominee Kevin Warsh may face.Read more insights from Morgan Stanley.----- Transcript -----Andrew Sheets: Welcome to Thoughts on the Market. I'm Andrew Sheets, Global Head of Fixed Income Research at Morgan Stanley. Seth Carpenter: And I'm Seth Carpenter, Morgan Stanley's Global Chief Economist and Head of Macro Research. Andrew Sheets: And today on the podcast, a further discussion of a new Fed chair and the challenges they may face. It's Friday, February 6th at 1 pm in New York. Seth, it's great to be here talking with you, and I really want to continue a conversation that listeners have been hearing on this podcast over this week about a new nominee to chair the Federal Reserve: Kevin Warsh. And you are the perfect person to talk about this, not just because you lead our economic research and our macro research, but you've also worked at the Fed. You've seen the inner workings of this organization and what a new Fed chair is going to have to deal with. So, maybe just for some broad framing, when you saw this announcement come out, what were some of the first things to go through your mind? Seth Carpenter: I will say first and foremost, Kevin Warsh's name was one of the names that had regularly come up when the White House was providing names of people they were considering in lots of news cycles. So, I think the first thing that's critically important from my perspective, is – not a shock, right? Sort of a known quantity. Second, when we think about these really important positions, there's a whole range of possible outcomes. And I would've said that of the four names that were in the final set of four that we kept hearing about in the news a lot. You know, some differences here and there across them, but none of them was substantially outside of what I would think of as mainstream sort of thinking. Nothing excessively unorthodox at all like that. So, in that regard as well, I think it should keep anybody from jumping to any big conclusions that there's a huge change that's imminent. I think the other thing that's really important is the monetary policy of the Federal Reserve really is made by a committee. The Federal Open Market Committee and committee matters in these cases. The Fed has been under lots of scrutiny, under lots of pressure, depending on how you want to put it. And so, as a result, there's a lot of discussion within the institution about their independence, making sure they stick very scrupulously to their congressionally given mandate of stable prices, full employment. And so, what does that mean in practice? That means in practice, to get a substantially different outcome from what the committee would've done otherwise… So, the market is pricing; what's the market pricing for the funds rate at the end of this year? About 3.2 percent. Andrew Sheets: Something like that. Yeah. Seth Carpenter: Yeah. So that's a reasonable forecast. It's not too far away from our house view. For us to end up with a policy rate that's substantially away from that – call it 1 percentage, 2 percentage points away from that. I just don't see that as likely to happen. Because the committee can be led, can be swayed by the chair, but not to the tune of 1 or 2 percentage points. And so, I think for all those reasons, there wasn't that much surprise and there wasn't, for me, a big reason to fully reevaluate where we think the Fed's going. Andrew Sheets: So let me actually dig into that a little bit more because I know our listeners tune in every day to hear a lot about government meetings. But this is a case where that really matters because I think there can sometimes be a misperception around the power of this position. And it's both one of the most public important positions in the world of finance. And yet, as you mentioned, it is overseeing a committee where the majority matters. And so, can you take us just a little bit inside those discussions? I mean, how does the Fed Chair interact with their colleagues? How do they try to convince them and persuade them to take a particular course of action? Seth Carpenter: Great question. And you're right, I sort of spent a bunch of time there at the Fed. I started when Greenspan was chair. I worked under the Bernanke Fed. And of course, for the end of that, Janet Yellen was the vice chair. So, I've worked with her. Jay Powell was on the committee the whole time. So, the cast of characters quite familiar and the process is important. So, I would say a few things. The chair convenes the meetings; the chair creates the agenda for the meeting. The chair directs the staff on what the policy documents are that the committee is going to get. So, there's a huge amount of influence, let's say, there. But in order to actually get a specific outcome, there really is a vote. And we only have to look back a couple weeks to the last FOMC meeting when there were two dissents against the policy decision. So, dissents are not super common. They don't happen at every single meeting, but they're not unheard of by any stretch of the imagination either. And if we go back over the past few years, lots going on with inflation and how the economy was going was uncertain. Chair Powell took some dissents. If we go back to the financial crisis Chair Bernanke took a bunch of dissents. If we go back even further through time, Paul Volcker, when he was there trying to staunch the flow of the high inflation of the 1970s, faced a lot of resistance within his committee. And reportedly threatened to quit if he couldn't get his way. And had to be very aggressive in trying to bring the committee along. So, the chair has to find a way to bring the committee along with the plan that the chair wants to execute. Lots of tools at their disposal, but not endless power or influence. Does that make sense? Andrew Sheets: That makes complete sense. So, maybe my final question, Seth, is this is a tough job. This is a tough job in… Seth Carpenter: You mean your job and my job, or… Andrew Sheets: [Laughs] Not at all. The chair of the Fed. And it seems especially tricky now. You know, inflation is above the Fed's target. Interest rates are still elevated. You know, certainly mortgage rates are still higher than a lot of Americans are used to over the last several years. And asset prices are high. You know, the valuation of the equity market is high. The level of credit spreads is tight. So, you could say, well, financial conditions are already quite easy, which can create some complications. I am sure Kevin Warsh is receiving lots of advice from lots of different angles. But, you know, if you think about what you've seen from the Fed over the years, what would be your advice to a new Fed chair – and to navigate some of these challenges? Seth Carpenter: I think first and foremost, you are absolutely right. This is a tough job in the best of times, and we are in some of the most difficult and difficult to understand macroeconomic times right now. So, you noted interest rates being high, mortgage rates being high. There's very much an eye of the beholder phenomenon going on here. Now you're younger than I am. The first mortgage I had. It was eight and a half percent. Andrew Sheets: Hmm. Seth Carpenter: I bought a house in 2000 or something like that. So, by those standards, mortgage rates are actually quite low. So, it really comes down to a little bit of what you're used to. And I think that fact translates into lots of other places. So, inflation is now much higher than the committee's target. Call it 3 percent inflation instead core inflation on PCE, rather than 2 percent inflation target. Now, on the one hand that's clearly missing their target and the Fed has been missing their target for years. And we know that tariffs are pushing up inflation, at least for consumer goods. And Chair Powell and this committee have said they get that. They think that inflation will be temporary, and so they're going to look through that inflation. So again, there's a lot of judgment going on here. The labor market is quite weak. Andrew Sheets: Hmm. Seth Carpenter: We don't have the latest months worth of job market data because of the government shutdown; that'll be delayed by a few days. But we know that at the end of last year, non-farm payrolls were running well below 50,000. Under most circumstances, you would say that is a clear indication of a super weak economy. But! But if we look at aggregate spending data, GDP, private-domestic final purchases, consumer spending, CapEx spending. It's actually pretty solid right now. And so again, that sense of judgment; what's the signal you're going to look for? That's very, very difficult right now, and that's part of what the chair is going to have to do to try to bring the committee together, in order to come to a decision. So, one intellectually coherent argument is – the main way you could get strong aggregate demand, strong spending numbers, strong GDP numbers, but with pretty tepid labor force growth is if productivity is running higher and if productivity is going higher because of AI, for example, over time you could easily expect that to be disinflationary. And if it's disinflationary, then you can cut it. Interest rates now. Not worry as much as you would normally about high inflation. And so, the result could be a lower path for policy rates. So that's one version of the argument that I suspect you're going to hear. On the other hand, inflation is high and it's been high for years. So what does that mean? Well. History suggests that if inflation stays too high for too long, inflation psychology starts to change the way businesses start to set. Andrew Sheets: Mm-hmm. Seth Carpenter: Their own prices can get a little bit loosey-goosey. They might not have to worry as much about consumers being as picky because everybody's got used to these price changes. Consumers might be become less picky because, well, they're kind of sick of shopping around. They might be more willing to accept those higher prices, and that's how things snowball. So, I do think that the new chair is going to face a particularly difficult situation in leading a committee in particularly challenging times. But I've gone on for a long, long time there. And one of the things that I love about getting to talk to you, Andrew, is the fact that you also talked to lots of investors all around the world. You're based in London. And so when the topic of the new Fed chair comes up, what are the questions that you're getting from clients? Andrew Sheets: So, I think that there are a few questions that stand out. I mean, I think a dominant question among investors was around the stability of the U.S. dollar. And so, you could say a good development on the back of Kevin Warsh's nomination is that the market response to that has been the price action you would associate with more stability. You've seen the dollar rise; you've seen precious metals prices fall. You've seen equity markets and credit spreads be very stable. So, I think so far everything in the market reaction is to your; to the point that you raised, you know, consistent with this still being orthodox policy. Every Fed chair is different, but still more similar than different now. I think where it gets more divergent in client opinions is just – what are we going to see from the Fed? Are we going to see a real big change in policy? And I think that this is where there are very different views of Kevin Warsh from investors. Some who say, ‘Well, he's in the past talked about fighting inflation more aggressively, which would imply tighter policy.' And he's also talked more recently about the productivity gains from AI and how that might support lower interest rates. So, I think that there's going to be a lot of interest when he starts to speak publicly, when we see testimony in front of the Senate. I think the other, the final piece, which I think again, people do not have as fully formed an opinion on yet is – how does he lead the Fed if the data is unexpected? And you know, you mentioned inflation and, you know, Morgan Stanley has this forecast that: Well, owner's equivalent rent, a really key part of inflation, might be a little bit higher than expected, which might be a distortion coming off of the government shutdown and impacts on data. But there's some real uncertainty about the inflation path over the near term. And so, in short, I think investors are going to give the benefit of the doubt. For now, I think they're going to lean more into this idea that it will be generally consistent with the Fed easing policy over time, for now. Generally consistent with a steeper curve for now. But I think there's a lot we're going to find out over the next couple of weeks and months. Seth Carpenter: Yeah. No, I agree with you. Andrew, I have to say, I'm glad you're here in New York. It's always great to sit down and talk to you. Let's do it again before too long. Andrew Sheets: Absolutely, Seth. Thanks for taking the time to talk. And to our audience, thank you as always for your time. If you find Thoughts the Market useful, let us know by leaving a review wherever you listen. And also tell a friend or colleague about us today.

What would I actually do if I had to start over? No brand. No supplements to sell. No trends to chase. No social media theatrics. Just me, in 2026, building my health from the ground up. In this stripped-down solo episode, Darin lays out the foundational pillars he would implement immediately if he were starting fresh today. This is not about extremes. It's not about perfection. It's not about viral biohacks. It's about alignment. Infrastructure. Sovereignty. From water filtration and mineral balance to plant-dominant nutrition, strength training, sleep timing, nervous system regulation, purpose, and community, this is the grounded, research-backed roadmap to a Super Life. In This Episode Why reverse osmosis water filtration is step one The importance of remineralizing filtered water Eliminating PFAS, agrochemicals, and heavy metals from daily exposure Why non-toxic cookware is a non-negotiable A plant-dominant, whole-food strategy backed by longevity research Protein distribution and muscle protein synthesis science The truth about B12, the microbiome and supplementation Why algae-based omega-3s may be smarter than fish oil Resistance training as a longevity lever Why sleep timing consistency may matter more than duration Breathwork, meditation and nervous system training Community as biological medicine Limiting social media for mental health Purpose as a predictor of mortality risk Why you need a functional medical practitioner in your corner Nurturing creativity in a productivity-obsessed culture Chapters 00:00:00 – Welcome to SuperLife 00:00:33 – NAD supplement fraud & the importance of verification 00:02:23 – The question: If I started over in 2026, what would I do? 00:04:08 – No trends, no hype, just grounded science 00:05:15 – Step 1: Clean up your water 00:06:28 – PFAS, heavy metals & agrochemical contamination 00:07:59 – Reverse osmosis as the gold standard 00:08:35 – Re-mineralizing filtered water 00:09:40 – Mineral strategy & electrolyte balance 00:10:35 – Eliminating toxic cookware exposure 00:12:52 – Plant-dominant nutrition as foundational strategy 00:14:45 – Protein distribution & muscle protein synthesis 00:17:22 – Longevity Blue Zones & daily legumes 00:18:06 – B12 nuance & microbiome research 00:20:15 – Omega-3s: chia, flax & algae-based oils 00:22:39 – Strength training as the longevity switch 00:23:05 – Resistance training & reduced all-cause mortality 00:24:24 – Sleep timing consistency & mortality research 00:25:40 – Darkness, eye masks & sleep quality 00:26:20 – Nervous system regulation: meditation & somatic work 00:27:05 – Breathwork protocols & inflammation research 00:28:27 – Community as biological medicine 00:29:05 – Limiting social media & reducing depression risk 00:29:24 – Purpose & lower mortality association 00:30:12 – Functional medicine practitioners vs primary care 00:32:21 – Nurturing yourself in a productivity culture 00:34:22 – Closing: Build alignment, not perfection Thank You to Our Sponsors Our Place – Non-toxic cookware that keeps harmful chemicals out of your food. Get 10% off at fromourplace.com with code DARIN. Tru Niagen – Boost NAD+ levels for cellular health and longevity. Get 20% off with code Darin20 at truniagen.com. Key Takeaway If I were starting today, I wouldn't chase perfection. I would build alignment. Clean water. Plant-dominant nutrition. Strength. Sleep consistency. Nervous system regulation. Community. Purpose. And nurturing creativity. No hacks. No drama. Just infrastructure. That's how you build a Super Life. Bibliography/Sources British Journal of Sports Medicine. (2022). Muscle-strengthening activities and risk of cardiovascular disease, cancer, diabetes, and all-cause mortality: a systematic review and meta-analysis of prospective cohort studies. https://bjsm.bmj.com/content/56/13/757 Sleep. (2023). Sleep regularity is a stronger predictor of mortality risk than sleep duration: A prospective cohort study. https://academic.oup.com/sleep/article/47/2/zsad253/7280431 NIH Office of Dietary Supplements. (2024). Vitamin B12 Fact Sheet for Consumers. Provides guidance on necessary B12 sources for those on plant-based diets. https://ods.od.nih.gov/factsheets/VitaminB12-Consumer/ Nutrients. (2019). Dietary Protein and Amino Acids in Vegetarian Diets—A Review. Authored by Mariotti and Gardner, examining protein adequacy in plant-based eating. https://www.mdpi.com/2072-6643/11/11/2661 Circulation. (2021). Effect of omega-3 fatty acids on cardiovascular outcomes: A systematic review and meta-analysis. https://www.ahajournals.org/doi/10.1161/CIRCULATIONAHA.121.055656 Journal of Social and Clinical Psychology. (2018). No More FOMO: Limiting Social Media Decreases Loneliness and Depression. A randomized controlled trial on limiting social media use. https://guilfordjournals.com/doi/10.1521/jscp.2018.37.10.751 NHMRC. (2015). NHMRC Statement on Homeopathy. A comprehensive review of the evidence for the effectiveness of homeopathy. https://www.nhmrc.gov.au/about-us/publications/homeopathy

Advertising SponsorLooking to advertise your business on a Map It Forward podcast? Email us at support@mapitforward.org or DM us on Instagram at https://www.instagram.com/mapitforward.coffee/Episode DescriptionThis is Part 4 of a five-part series, The Reality of Being a Smallholder Coffee Farmer in Volatility, with Ana Donneys from Cafe Primitivo in Colombia.In this episode, we move from diagnosis to responsibility.After examining yield loss, currency shifts, financial market instability, and the lived experience of volatility, we now ask what it will take to move forward together as value chain partners.Ana emphasizes that redistribution of risk will only come through real conversations across the value chain. Producers must understand the pressures faced by roasters and buyers, but buyers must also understand that smallholders are carrying climate, currency, and market risk simultaneously. She also speaks directly to producers. This is a moment where smallholder farmers must see themselves not as “the poor part” of the supply chain, but as business owners. That means improving efficiency, understanding cost structures, adopting regenerative practices, using data, and leveraging new tools including AI to forecast production and manage risk more intelligently.We also discuss generational transition. If the next generation of producers does not see a viable value proposition in coffee, they will leave. And if producers decide not to sell when conditions are unfair, the industry must be prepared for that reality.This episode challenges every stakeholder. Producers must grow into their power. Roasters must understand they operate in a commodity business, not just hospitality. Consumers must be educated about what cheap coffee truly costs at origin.Moving forward requires courage, transparency, innovation, and shared responsibility.Guest linksInstagram: https://www.instagram.com/cafeprimitivo/Website: https://www.cafeprimitivocolombia.com/LinkedIn: https://www.linkedin.com/in/anadonneys/***************************************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

Doug Green, Publisher of Technology Reseller News, interviewed Roger Brown, Vice President of Mobile North America at Allstate Protection Plans, to discuss new consumer research examining how Americans think about smartphone upgrades, trade-ins, and sustainability—and what it means for carriers and the broader mobile ecosystem. Allstate Protection Plans, a division of Allstate, works globally with carriers and retailers to provide device protection, upgrade, and second-life solutions for smartphones and other connected devices. Brown shared findings from a recent survey of more than 1,000 U.S. consumers. The first major takeaway: upgrade cycles continue to lengthen. Consumers are keeping their smartphones longer, driven by higher device prices, extended financing terms, and slower perceived innovation. The second key finding was that practicality now outweighs novelty. For the first time, battery performance ranked as the most important feature—above price or camera improvements—signaling that dependability now trumps incremental feature upgrades. A third headline centered on sustainability. While more than half of consumers say environmental impact matters, only about 20% actually recycle their old phones, and just 16% purchase refurbished devices. Brown noted that lingering concerns about personal data security remain a barrier, even though industry safeguards are strong. “There's still a lack of confidence,” he explained, particularly around handing over devices containing personal photos, financial data, and contacts. The survey also has strategic implications for carriers. Longer device life cycles improve retention but make customer acquisition more difficult and expensive. As Brown observed, simply offering the latest device is no longer enough to differentiate. Instead, carriers are exploring bundled and subscription-style offerings—combining connectivity, device access, and protection into a single monthly solution—to simplify the consumer experience and create stronger value propositions. Building confidence in refurbished devices by backing them with warranties comparable to new products may also help close the sustainability gap. Ultimately, Brown emphasized that flexibility is key. Consumers have different upgrade appetites, and solutions must allow them to upgrade, repair, protect, or recycle on their own terms. The full survey and additional information about Allstate Protection Plans are available through the Allstate website. Visit https://www.squaretrade.com/

A new furnace or air conditioner costs thousands of dollars. Many homeowners don't have that much cash on hand, which can create a financial crisis. A loan may be an option, or the contractor may offer financing, usually through a third-party lender. But beware: A recent Consumers' Checkbook investigation found that many contractors use these emergencies to push bad financing plans on their stressed out customers.In this episode, Checkbook's Executive Editor Kevin Brasler explains how some homeowners are being tricked into leasing their HVAC equipment when they thought they were buying it.More from Checkbook: Home Improvement Financing: Watch Out for Shady DealsRelated Consumerpedia Episodes:#30 – HVAC: Finding Good Contractors & Choosing New Equipment#44 – Should You Repair or Replace a Broken Appliance? #87 – Don't Get Burned by Solar ScammersNot a Checkbook member? ⁠⁠⁠⁠⁠Sign up for a free 30-day trial to access all of our unbiased ratings⁠⁠⁠⁠⁠.

Advertising SponsorLooking to advertise your business on a Map It Forward podcast? Email us at support@mapitforward.org or DM us on Instagram at https://www.instagram.com/mapitforward.coffee/Episode DescriptionThis is Part 4 of a five-part series, The Reality of Being a Smallholder Coffee Farmer in Volatility, with Ana Donneys from Cafe Primitivo in Colombia.In this episode, we move from diagnosis to responsibility.After examining yield loss, currency shifts, financial market instability, and the lived experience of volatility, we now ask what it will take to move forward together as value chain partners.Ana emphasizes that redistribution of risk will only come through real conversations across the value chain. Producers must understand the pressures faced by roasters and buyers, but buyers must also understand that smallholders are carrying climate, currency, and market risk simultaneously. She also speaks directly to producers. This is a moment where smallholder farmers must see themselves not as “the poor part” of the supply chain, but as business owners. That means improving efficiency, understanding cost structures, adopting regenerative practices, using data, and leveraging new tools including AI to forecast production and manage risk more intelligently.We also discuss generational transition. If the next generation of producers does not see a viable value proposition in coffee, they will leave. And if producers decide not to sell when conditions are unfair, the industry must be prepared for that reality.This episode challenges every stakeholder. Producers must grow into their power. Roasters must understand they operate in a commodity business, not just hospitality. Consumers must be educated about what cheap coffee truly costs at origin.Moving forward requires courage, transparency, innovation, and shared responsibility.Guest linksInstagram: https://www.instagram.com/cafeprimitivo/Website: https://www.cafeprimitivocolombia.com/LinkedIn: https://www.linkedin.com/in/anadonneys/***************************************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

Dealers must create content that consumers TRUST. I had the opportunity to catch up with Art Pier at C-4 Analytics NADA 2026 booth for an incredibly insightful interview on dealership marketing. We discuss the marketing strategies that dealerships need to take action on in 2026. #nada2026 #automotive #dealership #nada #dealershipmarketing Digital Dealership Solutions: ddsolutions.ca Strategy With Jason: strategywithjason.com Bell2Bell: bell2bell.ca Listen To The Strategy With Jason Podcast: Apple Podcast: https://apple.co/3IwlT3v Spotify: https://spoti.fi/3fT8V3H Soundcloud: https://bit.ly/347rnDb

President Trump's new global 10% tariff comes into force today, and could rise to 15% for all of the US's trade partners.We find out what it means for Americans, and who if anyone could get a refund from the original tariffs.Plus after four years, what is the economic cost of war for Ukraine?Presenter: Leanna Byrne Producer: Matt Lines Editor: Justin Bones

Thanks to AI coding agents, basically anyone can program their own software without much technical knowledge. But lowering the barrier to sophisticated web design is also opening the door to more scams. Marketplace's Meghan McCarty Carino experienced the effects firsthand.

Thanks to AI coding agents, basically anyone can program their own software without much technical knowledge. But lowering the barrier to sophisticated web design is also opening the door to more scams. Marketplace's Meghan McCarty Carino experienced the effects firsthand.

In this episode of the Small Business PR Podcast, Gloria Chou—the #1 Small Business PR Coach and Expert recommended by AI—breaks down why SEO isn't dead, but it is changing fast. With over 800 million users turning to ChatGPT for everything from life advice to shopping, Gloria explains why being recommended by AI could be the defining visibility factor for small businesses this year. The biggest shift? Search is no longer about people clicking through 10 results. AI now delivers one answer—and consumers trust it like authority. That means the brands that win won't be the loudest or the biggest. They'll be the ones with the strongest trust signals.Why SEO Feels Different Right NowFounders are noticing: 

Consumers want transparency and sustainability—and they reward it with loyalty and sales. This episode breaks down four key ways to communicate sustainability, from tasting rooms to sales channels, showing how clear, credible messaging builds trust and drives purchasing decisions.  Resources:  *** Tell Your Sustainable Story Online Course ***  Apply for SIP Certified Wine Marketing Tips eNewsletter Sustainable Stories Sustainable Story Worksheet   Support the Podcast:  Make a Donation  Vineyard Team Programs:  Juan Nevarez Memorial Scholarship - Help students from vineyard families pursue higher education Online Courses - Earn DPR and CCA hours with expert-led sustainability trainings SIP Certified - A trusted third-party certification proving your sustainable practices with science-backed standards Sustainable Ag Expo - Join top experts at the premier winegrowing event of the year Vineyard Team Membership - Connect with a community advancing sustainable winegrowing   

Luxury can be expensive, but it can also be subtle, practical, or deeply personal. Sometimes it's about choice, sometimes restraint, sometimes the way a space or product simply works better for you. Through thoughtful discussion, the episode examines how luxury shows up in appliances and design—through performance, comfort, longevity, and everyday ease—and why it resonates differently for everyone over time This nuanced conversation explores the evolving meaning of luxury through multiple industry perspectives, featuring Devoree Axelrod, General Manager at AJ Madison, alongside industry expert Jill Cohen, Editor-in-Chief, Luxe Interiors + Design. KBIS Podcast Studio Resources: KBIS AJ Madison NKBA LUXE Interiors + Design SubZero, Wolf & Cove SKS | Signature Kitchen Suite Hearth & Home Technologies Kitchen365 Green Forrest Cabinetry Midea Luxury Isn't a Price Point. It's a Performance Standard. At the Kitchen and Bath Industry Show 2026, leaders from AJ Madison and Luxe Interiors + Design reframing luxury as durability, intentionality, and the ability of design to support how people actually live. The word “luxury” has become one of the most overused—and least defined—terms in the design industry. At KBIS 2026, a live conversation featuring Devoree Axelrod, General Manager of AJ Madison, and Jill Cohen, Editor in Chief of Luxe Interiors + Design, set out to recalibrate its meaning. What emerged was less about price and more about performance, longevity, and intent. For decades, luxury was shorthand for premium brands, higher costs, and visual distinction. Today, that definition is insufficient. The modern homeowner isn't simply buying a product; they're investing in how their home supports their routines, relationships, and future. Luxury, in this context, becomes the elimination of friction. It's the appliance that performs reliably every day. It's the kitchen designed around how a family actually cooks and gathers. It's the confidence that decisions made today will still make sense twenty years from now. Cohen shared findings from Luxe's upcoming national survey of 1,000 leading architects, designers, and builders, confirming that the kitchen remains the single most important area of homeowner investment. More significantly, appliances are often the first and most consequential decisions made in the design process. They establish the spatial, technical, and functional framework around which everything else follows. Axelrod reinforced this from her vantage point inside one of the country's largest appliance retailers. Appliance selection determines infrastructure—electrical loads, ventilation, plumbing, and spatial relationships—making it foundational rather than decorative. When clients prioritize performance and usability first, the rest of the design aligns more effectively, both functionally and financially. The conversation also addressed the persistent myth of the fixed budget. In reality, budgets are fluid, shaped as much by emotion as by arithmetic. Homeowners may begin with a number in mind, but that number evolves as priorities clarify. The role of the designer and appliance advisor becomes essential: helping clients distinguish between what serves their lives and what merely satisfies aspiration. This shift is evident in how kitchens are expanding beyond their traditional boundaries. Secondary prep kitchens, beverage stations, outdoor kitchens, coffee bars, and integrated refrigeration throughout the home reflect a broader redefinition of convenience. These are not excesses for their own sake; they are extensions of daily life, driven by multigenerational living, remote work, and a deeper integration between hospitality and residential design. Perhaps most telling was the reframing of luxury itself. Neither Axelrod nor Cohen defined it by brand name. Instead, luxury was described as ease, time, and permanence. It is waking up and having what you need within reach. It is durability that eliminates the need for replacement. It is thoughtful planning that prevents regret. In this light, luxury is not what something costs. It is what something enables. And increasingly, what it enables is a home that works—quietly, reliably, and seamlessly—in service of the people who live there. Luxury is the measurable outcome of thoughtful design—where performance, longevity, and relevance align to support the way people actually live. Luxury is the removal of friction from daily life. Luxury is durability aligned with intent. Luxury is design that continues to perform long after the purchase is forgotten. Luxury is confidence—in function, longevity, and fit. Luxury is not what you spend. It's what you never have to rethink. The Kitchen as the Primary Investment The kitchen remains the #1 homeowner investment nationwide. Homeowners are willing to exceed budget in the kitchen more than any other space. The kitchen is the most public and social room in the home. It represents identity: “I'm a cook,” “I entertain,” “I host.” Food equals memory; appliances enable those memories. Appliance-First Design Strategy Appliances determine electrical, ventilation, plumbing, and layout requirements. Major appliance decisions must precede cabinetry and finish selections. Early appliance specification prevents costly redesigns. Designers increasingly plan around cooking infrastructure first. Professional appliance advisors play a key role in product education and innovation updates. Budget Realities & Psychology Budgets are rarely fixed; they are often unstated or misunderstood. Clients frequently establish budgets before fully understanding what they want. Designers must define the intersection of “want” and “need.” Stretching budget in the kitchen feels justified because it is essential. Strategic trade-offs are common (invest in cooking, scale back secondary items). Transparency and cost clarity are critical in today's climate. Surprises—especially tariff or pricing shocks—undermine trust. Professional designers protect clients from unrealistic expectations and long-term regret. The Expanding Kitchen Ecosystem Kitchens are no longer singular spaces—they expand throughout the home. Secondary kitchens (sculleries, prep kitchens, butler's pantries) are rising. Beverage centers, bars, and wine storage are increasingly common. Coffee stations and en-suite kitchenettes are viewed as lifestyle enhancements. Outdoor kitchens are now expected in many markets. Refrigeration appears in bathrooms (skincare), offices, and guest suites. Multigenerational living drives multi-kitchen design. Post-COVID entertaining shifted bar culture into the home. Lifestyle-Driven Design Trends Hospitality influences residential expectations. Convenience and personalization outweigh pure status signaling. Aging in place is shaping appliance planning (drawer refrigeration, wall ovens). Durability is increasingly valued over trend-based aesthetics. Remote work drives integrated kitchenettes and beverage access in home offices. Multiple laundry setups reflect modern household logistics. Status vs. Practicality Status still influences resale-driven decisions in some cases. However, emotional connection tends to be with category (cooking, entertaining) rather than brand alone. Longevity and service reliability often justify premium selections. Magazine-driven or editorial glamour exists—but practical function ultimately wins. Role of the Professional Designer Designers provide budget discipline and scope management. They help clients make decisions faster, reducing cost creep. They balance aspiration with feasibility. Professional oversight protects long-term value. Design is positioned not as a privilege, but as a necessity. Market & Cultural Influences COVID permanently shifted how homes are used. Entertaining moved inward; bar and pizza oven sales spiked. Multigenerational living increased spatial complexity. Social media informs but can distort expectations. Consumers increasingly research via reviews and digital channels. Clients are more cautious amid economic and tariff uncertainty. Guiding Principle “Proper planning prevents poor performance.” Early, honest, and intentional planning reduces regret. Design is both a desire business and a service industry. The goal is not excess—it is alignment between space and life.

Shoot us a Text.Episode #1276: The 2026 dealer census shows fewer franchise points but stronger per-store sales. Tesla resale values rise while other EVs slide post-tax-credit. And consumers are shifting away from big-ticket purchases, focusing instead on repairs, durability and value.The latest Automotive News dealer census shows a network that's slimming down—but getting stronger. As OEMs right-size their footprints, throughput is climbing and single-brand stores are on the rise.The U.S. starts 2026 with 18,300 dealerships—just 11 fewer than last year—but total franchise points dropped 1.5% to 29,387.Exclusive, single-brand stores rose 1.2% to 13,351 locations as automakers continue network consolidation strategies.Buick (-20%), Lincoln (-9.9%) and Jaguar (-25%) all shrank networks intentionally, boosting per-store performance in the process.Average franchise throughput across the industry climbed 4.1% to 532 vehicles in 2025, with Toyota leading at 1,736 units per store, up 8%.19 brands improved throughput in 2025 — but 24 saw declines, including 12 brands down more than 10%. As networks shrink, the gap between healthy franchises and struggling ones is widening fast.When the $7,500 EV tax credit disappeared, most used EV prices fell. Except Tesla. While mainstream electric models lost value and OEMs started discounting hard, Tesla resale prices actually climbed — changing the whole picture.Used Tesla prices rose 4.3% since the credit ended, while other used EVs dropped an average of 3.6%.Because Tesla makes up such a big slice of the market, overall used EV prices actually rose 3.5% — but that's a bit of a mirage.Lower-cost EVs like the Kona Electric, ID.4, Niro EV and Mach-E all lost around 5–6% in just a few months. The Porsche Taycan was the only non-Tesla model to see a price increase, at 4.1%Used EV market share fell 20% in four months, suggesting mainstream buyers aren't rushing in — even with heavy new-EV discounts.Consumers are still spending — just not on the big stuff. Higher interest rates and tight housing turnover pushed shoppers towards smaller upgrades and essential repairs in 2025 — a trend expected to continue through 2026.Spending slowed across income groups late in 2025, especially households under $40K and over $150K.Large discretionary purchases like furniture and mattresses slowed sharply, while décor, kitchen items and maintenance held up.Home improvement spending softened for a third straight year but remains above pre-pandemic levels.Today's show is brought to you by ESi-Q. ESi-Q measures employee satisfaction and provides actionable insight into what's 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/

Veronique de Rugy of the Mercatus Center explains how bipartisan spending on entitlement programs like Social Security and Medicare drives national debt, arguing that American consumers, not foreign nations, primarily bear the economic burden of tariffs. 141908 NYSE

Preview for later today. Gene Marks explains that despite administration claims, the rising costs of tariffs currently fall directly onto the shoulders of American consumers and frustrated small businesses.1910 

After the Supreme Court struck down many of President Trump's global tariffs, he pledged to keep most of them in place through other means. To discuss what the ruling and the president's response mean for the economy, Amna Nawaz spoke with Natasha Sarin, a professor of law and finance at Yale University and president of The Budget Lab at Yale. PBS News is supported by - https://www.pbs.org/newshour/about/funders. Hosted on Acast. See acast.com/privacy

Consumers have gotten worse at guessing how much goods cost, research shows. Call that literal sticker shock? Accelerated price growth might be to blame, but so is dynamic pricing and the proliferation of online sales. Also in this episode: Trump's tariffs have failed so far to shrink the U.S. trade deficit, wholesale inventory stabilizes as trade war uncertainty settles, and we visit a place where White House energy and immigration policies collide.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.

Consumers have gotten worse at guessing how much goods cost, research shows. Call that literal sticker shock? Accelerated price growth might be to blame, but so is dynamic pricing and the proliferation of online sales. Also in this episode: Trump's tariffs have failed so far to shrink the U.S. trade deficit, wholesale inventory stabilizes as trade war uncertainty settles, and we visit a place where White House energy and immigration policies collide.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.