Podcasts about disrupting

Can product thinking truly transform government services? In this episode of the CPO Rising Series hosted by NEOGOV CPO Denise Hemke, State of Maryland CPO Sheetul Agrawal speaks on reimagining government technology through customer-centric innovation. Sheetul shares her groundbreaking approach to bringing product management principles into public sector digital services, revealing how AI and user-focused design can revolutionize how citizens interact with government platforms.

In this episode of The WillPower Podcast, Will sits down with Pater Maher, CEO of Flote, the fast-rising fintech company redefining how money moves in the modern world.Pater is leading Flote's bold expansion across the U.S. — building what many insiders are calling the next generation of payment processing. We dive into how Flote is simplifying the way businesses get paid, why legacy payment rails are ripe for disruption, and what the future looks like when fintech is built for entrepreneurs, creators, and high-growth companies.You'll hear:The real problems with today's payment systems (and how Flote fixes them)How Pater thinks about innovation, risk, and scaling a fintech startupWhy U.S. expansion represents the biggest opportunity in digital paymentsThe mindset required to lead at the highest level in financial technologyHow entrepreneurs should prepare for massive shifts in the payments landscapeIf you're a founder, operator, or investor wanting a front-row seat to the future of money, this episode is a must-listen.Tune in and discover how Flote is reshaping payments from the ground up — and why Pater Maher believes we're just getting started.

Our 226th episode with a summary and discussion of last week's big AI news!Recorded on 11/24/2025Hosted by Andrey Kurenkov and co-hosted by Michelle LeeFeel free to email us your questions and feedback at contact@lastweekinai.com and/or hello@gladstone.aiRead out our text newsletter and comment on the podcast at https://lastweekin.ai/In this episode: New AI model releases include Google's Gemini 3 Pro, Anthropic's Opus 4.5, and OpenAI's GPT-5.1, each showcasing significant advancements in AI capabilities and applications.Robotics innovations feature Sunday Robotics' new robot Memo and a $600M funding round for Visual Intelligence, highlighting growth and investment in the robotics sector.AI safety and policy updates include Europe's proposed changes to GDPR and AI Act regulations, and reports of AI-assisted cyber espionage by a Chinese state-sponsored group.AI-generated content and legal highlights involve settlements between Warner Music Group and AI music platform UDIO, reflecting evolving dynamics in the field of synthetic media.Timestamps:(00:00:10) Intro / Banter(00:01:32) News Preview(00:02:10) Response to listener commentsTools & Apps(00:02:34) Google launches Gemini 3 with new coding app and record benchmark scores | TechCrunch(00:05:49) Google launches Nano Banana Pro powered by Gemini 3(00:10:55) Anthropic releases Opus 4.5 with new Chrome and Excel integrations | TechCrunch(00:15:34) OpenAI releases GPT-5.1-Codex-Max to handle engineering tasks that span twenty-four hours(00:18:26) ChatGPT launches group chats globally | TechCrunch(00:20:33) Grok Claims Elon Musk Is More Athletic Than LeBron James — and the World's Greatest LoverApplications & Business(00:24:03) What AI bubble? Nvidia's strong earnings signal there's more room to grow(00:26:26) Alphabet stock surges on Gemini 3 AI model optimism(00:28:09) Sunday Robotics emerges from stealth with launch of ‘Memo' humanoid house chores robot(00:32:30) Robotics Startup Physical Intelligence Valued at $5.6 Billion in New Funding - Bloomberg(00:34:22) Waymo permitted areas expanded by California DMV - CBS Los Angeles - Waymo enters 3 more cities: Minneapolis, New Orleans, and Tampa | TechCrunchProjects & Open Source(00:37:00) Meta AI Releases Segment Anything Model 3 (SAM 3) for Promptable Concept Segmentation in Images and Videos - MarkTechPost(00:40:18) [2511.16624] SAM 3D: 3Dfy Anything in Images(00:42:51) [2511.13998] LoCoBench-Agent: An Interactive Benchmark for LLM Agents in Long-Context Software EngineeringResearch & Advancements(00:45:10) [2511.08544] LeJEPA: Provable and Scalable Self-Supervised Learning Without the Heuristics(00:50:08) [2511.13720] Back to Basics: Let Denoising Generative Models DenoisePolicy & Safety(00:52:08) Europe is scaling back its landmark privacy and AI laws | The Verge(00:54:13) From shortcuts to sabotage: natural emergent misalignment from reward hacking(00:58:24) [2511.15304] Adversarial Poetry as a Universal Single-Turn Jailbreak Mechanism in Large Language Models(01:01:43) Disrupting the first reported AI-orchestrated cyber espionage campaign(01:04:36) OpenAI Locks Down San Francisco Offices Following Alleged Threat From Activist | WIREDSynthetic Media & Art(01:07:02) Warner Music Group Settles AI Lawsuit With UdioSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Nov 30 | Ray Hughes | Worship Center, Fry Road The Foundry Methodist Church, Houston TX At Foundry we believe God has called us to be a movement of people committed to helping everyone know, follow and share Jesus. This series invites us to discover a deeper participation in that mission! --------------------------------------------------------------------------------------------------------- Used with Permission - CCLI Copyright License Number #855120 Streaming Plus License Number #21172413

Juan Cifuentes from MenuLink joins the Late Night Restaurant Show to discuss how his Toronto-based startup is helping restaurants reclaim revenue by slashing pickup order fees from 15-30% down to just 1%. In this episode, Juan shares MenuLink's mission to give restaurants ownership over their revenue, explains the simple 5-minute signup process. We dive into practical tips for restaurants using third-party platforms from proper packaging choices to surprise-and-delight marketing tactics inside delivery bags. Juan also shares his unconventional journey from philosophy student to telecom manager to restaurant tech disruptor, and why now is the time for the industry to have more options beyond the big platforms.Plus: Dom gets AI-transformed into a woman wearing slippers, Jay pitches marketing ideas, and the team reminds everyone about Next Food Expo coming to Calgary September 13-14.Key Topics:How MenuLink reduces pickup fees to 1% (and delivery to 2% coming soon)Self-enrollment process for restaurants across Canada and the USMarketing strategies for delivery orders (packaging, in-bag promotions, handwritten notes)The importance of Google Maps optimization for restaurantsVisit menulink.ca to learn more or email juan@menulink.ca

This week, we discuss the Cloudflare outage, their current business strategy, and paying OSS maintainers. Plus, thoughts on loading the dishwasher and managing your home. Watch the YouTube Live Recording of Episode (https://www.youtube.com/live/byFyPbe9HC0?si=DpOApdTKs9oh-bWl) 548 (https://www.youtube.com/live/byFyPbe9HC0?si=DpOApdTKs9oh-bWl) Runner-up Titles Mystery Knob Vegans are cursed vegetarians Skilled enough Defrag the dishwasher Design Intentions QR codes everywhere I don't know where we draw the line, but I know where we start SDT IoT CMBD, Home Edition. SDT Open Source Money Maker Lead with Nagware Stocks go up, stocks go down Safari's my naked browser Coté wanted to add periods to all of these but did not. Rundown FFmpeg to Google: Fund Us or Stop Sending Bugs (https://thenewstack.io/ffmpeg-to-google-fund-us-or-stop-sending-bugs/) Cloudflare blames massive internet outage on 'latent bug' (https://techcrunch.com/2025/11/18/cloudflare-blames-massive-internet-outage-on-latent-bug/) Cloudflare outage on November 18, 2025 (https://blog.cloudflare.com/18-november-2025-outage/) Replicate is joining Cloudflare (https://blog.cloudflare.com/replicate-joins-cloudflare/) Relevant to your Interests The Walt Disney Company Announces Multi-Year Distribution Agreement With YouTube TV (https://thewaltdisneycompany.com/the-walt-disney-company-announces-multi-year-distribution-agreement-with-youtube-tv/) Anthropic claims of Claude AI-automated cyberattacks met with doubt (https://www.bleepingcomputer.com/news/security/anthropic-claims-of-claude-ai-automated-cyberattacks-met-with-doubt/) Disrupting the first reported AI-orchestrated cyber espionage campaign (https://www.anthropic.com/news/disrupting-AI-espionage) Compact, human-readable serialization of JSON data for LLM prompts (https://github.com/toon-format/toon) Outage Tracker | Updog By Datadog (https://updog.ai/) Jeff Bezos Creates A.I. Start-Up Where He Will Be Co-Chief Executive (https://www.nytimes.com/2025/11/17/technology/bezos-project-prometheus.html) Power (https://a16z.com/powerpoint-is-your-therapist-gamma-is-your-coach/)P (https://a16z.com/powerpoint-is-your-therapist-gamma-is-your-coach/)oint is your therapist, Gamma is your coach | Andreessen Horowitz (https://a16z.com/powerpoint-is-your-therapist-gamma-is-your-coach/) Red Hat Introduces Project Hummingbird for “Zero-CVE” Strategies (https://www.redhat.com/en/about/press-releases/red-hat-introduces-project-hummingbird-zero-cve-strategies) A new era of intelligence with Gemini 3 (https://blog.google/products/gemini/gemini-3/) The platform that needs a platform (https://cote.io/2025/11/19/the-platform-that-needs-a.html) The AI Coding Startup Favored by Tech CEOs Is Now Worth $29.3 Billion (https://www.wsj.com/tech/ai/the-ai-coding-startup-favored-by-tech-ceos-is-now-worth-29-3-billion-14c72c02) The Smartest Fliers Use This App to Survive America's Travel Hell (https://www.wsj.com/tech/personal-tech/flighty-app-flight-cancellations-delays-900a8aad) Oracle's Market Cap Decline: Analyzing the Impact on Finance (https://platformonomics.com/2025/11/platformonomics-tgif-108-november-14-2025/) OpenAI's Fidji Simo Plans to Make ChatGPT Way More Useful—and Have You Pay For It (https://www.wired.com/story/fidji-simo-is-openais-other-ceo-and-she-swears-shell-make-chatgpt-profitable/) Europe's cookie nightmare is crumbling (https://www.theverge.com/news/823788/europe-cookie-prompt-browser-changes-proposal) Nonsense AI-Powered Teddy Bear Caught Talking About Sexual Fetishes and Instructing Kids How to Find Knives (https://gizmodo.com/ai-powered-teddy-bear-caught-talking-about-sexual-fetishes-and-instructing-kids-how-to-find-knives-2000687140) Whipped Cream Worth $80K Stolen in Ontario (https://www.yahoo.com/news/articles/whipped-cream-worth-80k-stolen-135930616.html) Conferences DevOpsDayLA at SCALE23x (https://www.socallinuxexpo.org/scale/23x), March 6th, Pasadena, CA Use code: DEVOP for 50% off. CFP open until Dec. 1st. SDT News & Community Join our Slack community (https://softwaredefinedtalk.slack.com/join/shared_invite/zt-1hn55iv5d-UTfN7mVX1D9D5ExRt3ZJYQ#/shared-invite/email) Email the show: questions@softwaredefinedtalk.com (mailto:questions@softwaredefinedtalk.com) Free stickers: Email your address to stickers@softwaredefinedtalk.com (mailto:stickers@softwaredefinedtalk.com) Follow us on social media: Twitter (https://twitter.com/softwaredeftalk), Threads (https://www.threads.net/@softwaredefinedtalk), Mastodon (https://hachyderm.io/@softwaredefinedtalk), LinkedIn (https://www.linkedin.com/company/software-defined-talk/), BlueSky (https://bsky.app/profile/softwaredefinedtalk.com) Watch us on: Twitch (https://www.twitch.tv/sdtpodcast), YouTube (https://www.youtube.com/channel/UCi3OJPV6h9tp-hbsGBLGsDQ/featured), Instagram (https://www.instagram.com/softwaredefinedtalk/), TikTok (https://www.tiktok.com/@softwaredefinedtalk) Book offer: Use code SDT for $20 off "Digital WTF" by Coté (https://leanpub.com/digitalwtf/c/sdt) Sponsor the show (https://www.softwaredefinedtalk.com/ads): ads@softwaredefinedtalk.com (mailto:ads@softwaredefinedtalk.com) Recommendations Brandon: The Beast in Me (https://www.google.com/url?sa=t&source=web&rct=j&opi=89978449&url=https://www.netflix.com/title/81427733&ved=2ahUKEwiy4NnP_P6QAxWGnWoFHU37GesQFnoECGcQAQ&usg=AOvVaw0QnhTLbjScTHWLLBI4qs26) Matt: The Prestige (https://www.imdb.com/title/tt0482571/) Coté: Fantastic 4 (https://en.wikipedia.org/wiki/The_Fantastic_Four:_First_Steps) with that Boba Fet (https://en.wikipedia.org/wiki/The_Fantastic_Four:_First_Steps)t (https://en.wikipedia.org/wiki/The_Fantastic_Four:_First_Steps) guy (https://en.wikipedia.org/wiki/The_Fantastic_Four:_First_Steps), “Winter's Mourning,” from Uncaged God (https://www.dmsguild.com/en/product/382873/uncaged-goddesses)d (https://www.dmsguild.com/en/product/382873/uncaged-goddesses)esses (https://www.dmsguild.com/en/product/382873/uncaged-goddesses). Photo Credits Header (https://unsplash.com/photos/gray-and-white-spoon-and-fork-lot-closeup-photo-vZZfVCUOKfw)

Connect with Will at: https://bsky.app/profile/wiverson.com https://www.linkedin.com/in/wiverson Mentioned during the series: Will's Youtube channel: https://changenode.com/ https://www.youtube.com/@ChangeNode Mentioned in this episode: killed by google: https://killedbygoogle.com build your own LLM: https://www.freecodecamp.org/news/code-an-llm-from-scratch-theory-to-rlhf/ The post 313 How AI is Disrupting Social Contracts first appeared on Agile Thoughts.

Thanksgiving is a time that was established originally under the 1789 Thanksgiving Proclamation of George Washington to give thanks to God for all of the provisions we have and to be in peace. In 2025, Thanksgiving is prefaced with unending political drama, political hatred, and political stunts. This is all done to sow division when families come together. Set the stupid aside and focus on each others hearts this Thanksgiving. Time to heal and build bridges.  #BardsFM #BuildingBridges #ThanksgivingFromTheHeart Bards Nation Health Store: www.bardsnationhealth.com EnviroKlenz Air Purification, promo code BARDS to save 10%:www.enviroklenz.com EMPShield protect your vehicles and home. Promo code BARDS: Click here MYPillow promo code: BARDS >> Go to https://www.mypillow.com/bards and use the promo code BARDS or... Call 1-800-975-2939.  White Oak Pastures Grassfed Meats, Get $20 off any order $150 or more. Promo Code BARDS: www.whiteoakpastures.com/BARDS BardsFM CAP, Celebrating 50 Million Downloads: https://ambitiousfaith.net Morning Intro Music Provided by Brian Kahanek: www.briankahanek.com Windblown Media 20% Discount with promo code BARDS: windblownmedia.com Founders Bible 20% discount code: BARDS >>> TheFoundersBible.com Mission Darkness Faraday Bags and RF Shielding. Promo code BARDS: Click here EMF Solutions to keep your home safe: https://www.emfsol.com/?aff=bards Treadlite Broadforks...best garden tool EVER. Promo code BARDS: TreadliteBroadforks.com No Knot Today Natural Skin Products: NoKnotToday.com Health, Nutrition and Detox Consulting: HealthIsLocal.com Destination Real Food Book on Amazon: click here Images In Bloom Soaps and Things: ImagesInBloom.com Angeline Design: AngelineDesign.com DONATE: Click here Mailing Address: Xpedition Cafe, LLC Attn. Scott Kesterson 591 E Central Ave, #740 Sutherlin, OR  97479

Why did David Windley disrupt the recruiting industry by moving from commissions to an hourly model? In this interview, he reveals how he scaled his firm to $50 million in revenue before selling it. He explains why the traditional 33% commission model is broken for clients and how he implemented a professional services approach instead. David unpacks the terrifying reality of a 75% revenue drop during COVID and how furloughing staff saved the company. He also shares why he spun out a software startup (Hoot Recruit) to build AI agents for sourcing, the truth about whether AI will replace human recruiters, and his #1 rule for leadership: character over competence.Check out the company: https://iqrecruit.com

This episode is part of the DEI Symposium Series, developed from the DEI Symposium presented at the 2025 NCDA Global Career Development Conference in Atlanta, Georgia.In this episode, Dr. Frank Gorritz discusses the important topic of racism in the workplace as part of the 2025 DEI symposium series. Dr. Gorritz emphasizes the need to address not just individual instances of racism but also systemic issues including white supremacy culture and its covert manifestations. He highlights the impact of microaggressions on minoritized employees and introduces the Theory of Work Adjustment to explain how workplace dynamics affect these employees. Dr. Gorritz also stresses the importance of career counselors creating a safe space for clients to discuss their experiences and feelings about their workplaces. This discussion reiterates the value of addressing political, social, and identity-related issues in career counseling. Several resources are recommended for further exploration on the topic.Frank Gorritz, PhD, LPC, LMHC, NCC, ACS, QS is a counselor educator in Florida.ResourcesdRworksbool (2021). White supremacy culture. https://www.dismantlingracism.org/white-supremacy-culture.htmlIyer, D. (2022). Social change now: A guide for reflection and connection. Thick Press.Jones, K. & Okun, T. (2001). Dismantling racism: A workbook for social change groups. dRworksBook.

It's a bit of a different week as we look towards Thanksgiving. And with the shorter week, Dave and Carmen are out this week so Bill asked a few people to help him out over the next 3 days. First up was Jayar. And he is known as someone who will sleep through anything. So he chose to sleep at the station so he wouldn't be late. Turns out, he couldn't sleep through the motion sensing light that turned on anytime he made a move on the couch.  AI has disrupted a lot of routine things in our...

In this episode, we discuss the first reported AI-driven cyber espionage campaign, as disclosed by Anthropic. In September 2025, a state-sponsored Chinese actor manipulated the Claude Code tool to target 30 global organizations. We explain how the attack was executed, why it matters, and its implications for cybersecurity. Join the conversation as we examine the details, Anthropic’s response, and the broader impact on AI in cybersecurity. ** Links mentioned on the show ** Disrupting the first reported AI-orchestrated cyber espionage campaign https://www.anthropic.com/news/disrupting-AI-espionage Jen Easterly's LinkedIn post about the Anthropic disclosure https://www.linkedin.com/feed/update/urn:li:activity:7395115984224690176/ China's ‘autonomous' AI-powered hacking campaign still required a ton of human work https://cyberscoop.com/anthropic-ai-orchestrated-attack-required-many-human-hands/ ** Watch this episode on YouTube ** https://youtu.be/mj41KXXZP4s ** Become a Shared Security Supporter ** Get exclusive access to ad-free episodes, bonus episodes, listen to new episodes before they are released, receive a monthly shout-out on the show, and get a discount code for 15% off merch at the Shared Security store. Become a supporter today! https://patreon.com/SharedSecurity ** Thank you to our sponsors! ** SLNT Visit slnt.com to check out SLNT’s amazing line of Faraday bags and other products built to protect your privacy. As a listener of this podcast you receive 10% off your order at checkout using discount code “sharedsecurity”. Click Armor To find out how “gamification” of security awareness training can reduce cyber risks related to phishing and social engineering, and to get a free trial of Click Armor's gamified awareness training platform, visit: https://clickarmor.ca/sharedsecurity ** Subscribe and follow the podcast ** Subscribe on YouTube: https://www.youtube.com/c/SharedSecurityPodcast Follow us on Bluesky: https://bsky.app/profile/sharedsecurity.bsky.social Follow us on Mastodon: https://infosec.exchange/@sharedsecurity Join us on Reddit: https://www.reddit.com/r/SharedSecurityShow/ Visit our website: https://sharedsecurity.net Subscribe on your favorite podcast app: https://sharedsecurity.net/subscribe Sign-up for our email newsletter to receive updates about the podcast, contest announcements, and special offers from our sponsors: https://shared-security.beehiiv.com/subscribe Leave us a rating and review: https://ratethispodcast.com/sharedsecurity Contact us: https://sharedsecurity.net/contact The post AI Agent Does the Hacking: First Documented AI-Orchestrated Cyber Espionage appeared first on Shared Security Podcast.

Dr. Tim Flynn joins the show for a powerful conversation about what it really takes to transform a broken healthcare system.A clinician, educator, and innovator, Tim has spent decades teaching around the world, challenging outdated models, and reminding clinicians that change starts with one encounter at a time.In this episode, we explore: • Why the U.S. operates a “sick-care” system — and how to shift away from it • What “Live health to sell it” means for providers and patients • The role of purpose-driven teaching in PT education • Disrupting entrenched systems without losing sight of patient connection • Lessons Tim learned early in his career teaching in the U.S. Army Baylor PT Program • How clinicians can create meaningful change at the individual and systemic levelsWhether you're a student, seasoned PT, or someone passionate about healthcare reform, this conversation will leave you thinking differently about your work, your patients, and your purpose.About Tim Flynn:Tim is a clinician, teacher, and international speaker who works with private clients, leads national and international workshops, and contributes to the Substack OwnMyHealth. His career reflects a lifelong commitment to service, critical thinking, and the healing power of human connection.

Dating after divorce can feel like walking a tightrope - especially when your kids are still adjusting to the emotional aftershocks of separation. Whether you're newly separated, healing from divorce, or considering a new relationship, it's critical to understand how your dating decisions affect your children's sense of safety and stability. In this episode, Drew and Ed dive into the emotional complexity of dating again and share real-life stories, examples, and guidelines to help dads navigate this season with care and confidence. Learn how to set boundaries that protect your kids and your new relationship Discover when (and how) to introduce your children to a new partner Get practical tools to maintain your parenting presence - even as your relationship life evolves Understand how to support your child's emotional needs while rebuilding your own Listen now and get the clarity, confidence, and tools you need to move forward in a healthy way - without compromising your child's emotional well-being. ----- Struggling with separation or divorce and missing your kids? Get your free copy of Full-Time Dad, Part-Time Kids — a powerful guide for staying connected and confident, even when you're parenting part-time. Download it here: https://dadcentral.ca/guide-for-separated-divorced-dad/  ----- Timestamps: 00:00:00 – Importance of focusing on kids' needs during divorce or separation 00:00:41 – Divorce and dating again 00:01:01 – Setting boundaries, when to introduce kids, maintaining stability 00:06:36 – Segment 1: Setting boundaries for yourself and your kids 00:11:19 – Segment 2: Introducing kids to a new partner 00:17:23 – Segment 3: Stability and reassurance for kids 00:21:11 – Episode recap 00:21:57 – Recommended resource: "One Step at a Time" guide for dads in blended/divorced families ----- "Dad Central is a podcast that supports fathers in navigating fatherhood, reducing stress, building confidence, managing parenting stress, and improving parenting skills, including discipline, co-parenting, custody issues, calm parenting, and effective communication with children, to foster happy children and strong parent-child relationships."

After months of ICE raids on the nation's capital, some construction workers are afraid to go into Washington, D.C. for work, fearing arrest and deportation. Meanwhile, the contractors who need them are struggling to adapt. We'll check in on some of the businesses that are being most affected. But first: why markets ended yesterday on a sour note, and why the housing affordability crisis is accelerating fastest in rural areas.

After months of ICE raids on the nation's capital, some construction workers are afraid to go into Washington, D.C. for work, fearing arrest and deportation. Meanwhile, the contractors who need them are struggling to adapt. We'll check in on some of the businesses that are being most affected. But first: why markets ended yesterday on a sour note, and why the housing affordability crisis is accelerating fastest in rural areas.

Shawn Owen from Salt Lending explains how blockchain and AI are reshaping real estate lending, collateral, and the future of global financial systems.In this episode of RealDealChat, Jack Hoss interviews Shawn Owen, founder and CEO of Salt Lending, to discuss how Bitcoin, blockchain, and artificial intelligence are changing the way we think about money, lending, and real estate.Shawn shares his story of discovering Bitcoin in 2011, how it redefined his understanding of wealth, and how Salt Lending bridges crypto and traditional collateralized lending. From crypto-backed loans to AI automation, Shawn explains how these innovations will soon affect property title transfers, liquidity, and even how entrepreneurs build businesses.You'll learn:What Bitcoin and blockchain really are in plain EnglishHow blockchain lending compares to real estate collateralHow Salt Lending raised $124M in crypto-backed loansWhy Bitcoin's volatility is misunderstoodHow real estate and Bitcoin will merge in the next decadeWhat smart contracts mean for real estate investorsHow regulation is evolving in crypto and blockchainWhy AI + blockchain could reinvent every major industryThe rise of “one-person billion-dollar companies” powered by AI

Register for FREE Infosec Webcasts, Anti-casts & Summits – https://poweredbybhis.com00:00:00 - PreShow Banter™ — The Way the Community Rumbles00:08:21 - A.I. Transcription Startup Was Just A Guy Taking Notes - BHIS - Talkin' Bout [infosec] News 2025-11-1700:09:01 - Story # 1: New data shows companies are rehiring former employees as AI falls short of expectations00:18:06 - Eric & Whitney's “Podcast” [webcast] on training your own LLM00:22:12 - Story # 2: Founder Admits His “AI Transcription” Startup Was Just Him Joining People's Meetings and Taking Notes by Hand00:26:20 - Story # 3: Five Plead Guilty in U.S. for Helping North Korean IT Workers Infiltrate 136 Companies00:37:35 - Story # 4: Google is easing up on Android's new sideloading restrictions!00:43:44 - Story # 5: Google is collecting troves of data from downgraded Nest thermostats00:44:58 - Story # 5b: Hackers are saving Google's abandoned Nest thermostats with open-source firmware00:51:34 - Story # 6: FFmpeg to Google: Fund Us or Stop Sending Bugs01:00:40 - Story # 7: Teens are Hacking School Systems. Let's Teach Them to Protect Communities Instead01:05:55 - Story # 8: Disrupting the first reported AI-orchestrated cyber espionage campaign01:14:58 - Discord CTF Winners

Today I'm joined by Jim Keffer, CEO of Keffer Auto Group. We break down his radical 10-year buyout model, why he hunts “unicorn” operators instead of centralizing, and how underperforming rooftops become high-ROI assets. Jim also explains the math behind buying broken stores, the traits that separate true owner-operators, and the coming shakeups he sees from Carvana, CarMax, and digital retailing. It's a candid, transparent look at a model most dealers never get to see up close. This episode is brought to you by: 1. Lotlinx - What if ChatGPT actually spoke dealer? Meet LotGPT — the first AI chatbot built just for car dealers. Fluent in your market, your dealership, and your inventory, LotGPT delivers instant insights to help you merchandise smarter, move inventory faster, and maximize profit. It pulls from your live inventory, CRM, and Google Analytics to give VIN-specific recommendations, helping dealers price vehicles accurately, spot wasted spend, and uncover the hottest opportunities — all in seconds. LotGPT is free for dealers, but invite-only. Join the waitlist now @ Lotlinx.com/LotGPT 2. vAuto - The average car sits 45 days before getting shipped to another store — hoping it'll sell faster somewhere else. But guess what? Once it lands there, it usually sits another 30 days. On paper, that looks fine. In reality, that car's been tying up capital for 75 days — bleeding margin the whole time. The fix? Get the car to the right store on day one — or move it before the clock runs out. Because every day you wait, you're losing gross you'll never get back. Check out vAuto's new guide on centralized inventory management @ ⁠https://www.vauto.com⁠⁠⁠⁠ 3. CDG Circles - A modern peer group for auto dealers. Private dealer chats. Real insights — confidential, compliant, no travel required. Visit @ https://cdgcircles.com/ to learn more. Check out Car Dealership Guy's stuff: For dealers: CDG Circles ➤ https://cdgcircles.com/ Industry job board ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://jobs.dealershipguy.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Dealership recruiting ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.cdgrecruiting.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Fix your dealership's social media ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.trynomad.co⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Request to be a podcast guest ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.cdgguest.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ For industry vendors: Advertise with Car Dealership Guy ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.cdgpartner.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Industry job board ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://jobs.dealershipguy.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Request to be a podcast guest ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.cdgguest.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Topics: 00:08 Biggest challenge in the car business? 00:52 How does the decentralized model work? 03:41 What is the buyout model? 07:08 How to find the right operators? 32:48 How does goodwill depreciation work? 33:15 How to identify and hire talent? 34:01 Biggest used car sales challenge? 37:45 Balancing sales efficiency with customer experience? 58:18 Future of car dealerships? Car Dealership Guy Socials: X ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠x.com/GuyDealership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠instagram.com/cardealershipguy/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠tiktok.com/@guydealership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ LinkedIn ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠linkedin.com/company/cardealershipguy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Threads ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠threads.net/@cardealershipguy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Facebook ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠facebook.com/profile.php?id=100077402857683⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Everything else ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠dealershipguy.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

In this episode of HALO Talks, industry veteran CJ Bouchard opens up to host Pete Moore about the realities of entrepreneurship in the fitness industry, sharing candid stories of risk, resilience, and what it really means to build from the ground up. From betting his savings on a fledgling franchise in North Carolina and initially making daily two-hour commutes, to pivoting and learning tough lessons about club size, site selection, and market expansion, CJ reveals how grit, adaptability, and a clear mission have fueled Excel Fitness's phenomenal growth. Planet Fitness (NYSE:PLNT) is one of the largest and fastest-growing operators of fitness centers in the U.S, and Excel Fitness Holdings is one of their largest franchisees currently operating 150+ clubs in Austin, Dallas/Ft Worth, Tulsa, Northwest Arkansas, North Carolina, Tennessee, Utah, Georgia, and Virginia. Their mission is to build a team culture and atmosphere constructed on trust, humility, and strong relationships, always leading by example and putting others first with the utmost integrity, dedication, and accountability. Pete and CJ also dive into how partnering with private equity has transformed the business, what it takes to be a successful operator in today's market, what to expect when working with a PE firm, and the importance of building a strong team and community-driven approach. CJ also shares the meaning behind his "Hope is not a strategy" tattoo, and why execution—not wishful thinking—remains his guiding principle. Whether you're a club owner, aspiring HALO sector entrepreneur, or curious about how major fitness brands expand, this episode is packed with actionable insights, real-world advice, and plenty of inspiration from one of the industry's top leaders. Key themes discussed Entrepreneurial journey and early struggles in fitness industry. Evolution and disruption of the Planet Fitness business model. Challenges involved in club building and expansion. The critical importance of location for a gym's success. Strategic growth: Acquisitions, private equity, and territory development. Leadership style: Clarity, vision, and execution over hope. A Few Takeaways: 1.Entrepreneurial Grit & Humble Beginnings: Bouchard started in the fitness industry as a personal trainer without a college degree, working in Connecticut's gym scene and grinding through tough times. He didn't take a paycheck for two years and put payroll on credit cards when launching his first Planet Fitness in North Carolina. Real entrepreneurship often means sacrifice, resilience, and relentless commitment. 2. Evolution from "Hardcore" Gyms to Disrupting the Market: CJ's transition from traditional gyms (Gold's, World Gym, etc.) to Planet Fitness highlights a change in business philosophy. It went from focusing on "results" to focusing on "access." He recognized Planet's disruptive model early on, betting on a concept that many were skeptical about and ultimately building one of the largest Planet Fitness area development companies in the country. 3. Importance of Site Selection and Operational Knowledge: Both Bouchard and Moore emphasized how crucial it is to understand the nuances of real estate, site selection, and the operational details of running clubs. The value of personally touring sites and knowing the history and layout of each location is essential. Software and reports can't replace firsthand experience. 4. Strategic Growth: Mergers, Acquisitions & Private Equity: Under CJ, Excel Fitness strategically expanded through acquiring clubs, merging with other operators, and partnering with private equity (Olympus Partners.) CJ shared how growth now includes both new club development and acquisitions of existing gyms (like Texas Family Fitness), always with an eye on preserving legacy and community as much as possible. 5. Culture, Team, and Values: CJ's leadership philosophy stresses execution, daily engagement in operations, and a moral compass focused on building communities through fitness. His tattoo "Hope Is Not a Strategy" clearly shows his belief in preparation and action, not relying on luck. He also spoke passionately about valuing long-term employees and creating opportunities for others in the organization. Resources:  CJ Bouchard: https://www.linkedin.com/in/cj-bouchard-9ba3aa7 Excel Fitness: https://www.excelfitness.com Planet Fitness: https://www.planetfitness.com Integrity Square: https://www.integritysq.com Prospect Wizard: https://www.theprospectwizard.com Promotion Vault: https://www.promotionvault.com HigherDose: https://www.higherdose.com

This week, we're joined by Amrit Dhaliwal, a multi-award-winning entrepreneur, franchise strategist, and CEO of Walfinch, who is revolutionising homecare franchising in the UK.In this episode, Amrit shares how he transitioned from owning an Italian deli to creating a franchise-first, tech-savvy homecare brand that puts both the client and franchisee at the heart of the business. He unpacks the overlooked power of brand consistency in franchising, explains why tech and storytelling are key drivers of growth, and shares the mindset every entrepreneur must adopt to thrive in today's landscape.We also explore:Why brand clarity is kindness in franchisingHow he scaled operations from £1 to £3.6M+ in revenueTurning unsexy sectors into standout brandsThe truth about hustle culture, resilience, and startup mindsetWhy emotional ROI matters just as much as financial ROIIf you're a founder, franchise owner, or scaling a service business — this is a must-listen masterclass on brand-driven business growth.

In this episode of Disruption/Interruption, host KJ interviews Rob Creighton, founder and CEO of Windlift, about pioneering in the drone industry by advancing unmanned flight abilities and energy efficiencies ready to empower defense and security operations in new ways. Windlift has created a drone platform that enables airborne surveillance and security systems that can fly higher, see further and stay aloft longer due super-smart, wind-friendly design. Rob shares his journey from genetics and environmental science to developing tethered drone technology for both military and civilian applications, aiming to create a world of energy abundance and security. Key Takeaways: How Windlift’s airborne wind friendly technology works and its advantages over traditional systems. — [10:55] The unexpected military applications of tethered drones for surveillance and security. — [20:30] The broader impact on agriculture, security, and global stability. — [36:22] Quote of the Show: (00:15:40) "We can actually take energy out of the wind, and use it to accelerate the vehicle."— Robert Creighton Join our Anti-PR newsletter where we’re keeping a watchful and clever eye on PR trends, PR fails, and interesting news in tech so you don't have to. You're welcome. Want PR that actually matters? Get 30 minutes of expert advice in a fast-paced, zero-nonsense session from Karla Jo Helms, a veteran Crisis PR and Anti-PR Strategist who knows how to tell your story in the best possible light and get the exposure you need to disrupt your industry. Click here to book your call: https://info.jotopr.com/free-anti-pr-eval Ways to connect with Robert Creighton: LinkedIn: https://www.linkedin.com/in/rob-creighton-3572702/ Company Website: https://www.windlift.com/ How to get more Disruption/Interruption: Amazon Music - https://music.amazon.com/podcasts/eccda84d-4d5b-4c52-ba54-7fd8af3cbe87/disruption-interruption Apple Podcast - https://podcasts.apple.com/us/podcast/disruption-interruption/id1581985755 Spotify - https://open.spotify.com/show/6yGSwcSp8J354awJkCmJlDSee omnystudio.com/listener for privacy information.

In this week's show Patrick Gray and Adam Boileau discuss the week's cybersecurity news, including: Anthropic says a Chinese APT orchestrated attacks using its AI It's a day ending in -y, so of course there are shamefully bad Fortinet exploits in the wild Turns out slashing CISA was a bad idea, now it's time for a hiring spree Researchers brute force entire phone number space against Whatsapp contact discovery API DOJ figures out how to make SpaceX turn off scam compounds' Starlink service This week's episode is sponsored by Mastercard. Senior Vice President of Mastercard Cybersecurity Urooj Burney joins to talk about how the roles of fraud and cyber teams in the financial sector are starting to converge. Mastercard also recently acquired Recorded Future, and Urooj talks about how they aim to integrate cyber threat intelligence into the financial world. This episode is also available on Youtube. Show notes Full report: Disrupting the first reported AI-orchestrated cyber espionage campaign Researchers question Anthropic claim that AI-assisted attack was 90% autonomous - Ars Technica China's ‘autonomous' AI-powered hacking campaign still required a ton of human work | CyberScoop Amazon discovers APT exploiting Cisco and Citrix zero-days | AWS Security Blog CISA gives federal agencies one week to patch exploited Fortinet bug | The Record from Recorded Future News PSIRT | FortiGuard Labs CISA, eyeing China, plans hiring spree to rebuild its depleted ranks | Cybersecurity Dive This Is the Platform Google Claims Is Behind a 'Staggering' Scam Text Operation | WIRED A Simple WhatsApp Security Flaw Exposed 3.5 Billion Phone Numbers | WIRED DOJ Issued Seizure Warrant to Starlink Over Satellite Internet Systems Used at Scam Compound | WIRED Multiple US citizens plead guilty to helping North Korean IT workers earn $2 million | The Record from Recorded Future News Cyberattack leaves Jaguar Land Rover short of £680 million | The Record from Recorded Future News FBI: Akira gang has received nearly $250 million in ransoms | The Record from Recorded Future News Operation Endgame: Police reveal takedowns of three key cybercrime tools | The Record from Recorded Future News Inside a Wild Bitcoin Heist: Five-Star Hotels, Cash-Stuffed Envelopes, and Vanishing Funds | WIRED

In this illuminating episode of Vestiges After Dark, Bishop Bryan Ouellette and panel sit down with transformational healer and visionary Susan Shatzer to explore the profound impact of energy healing and the power of pattern interruption. What if the beliefs and energetic signatures you carry are holding you back without your awareness?Susan introduces us to the cutting-edge techniques she uses to dissolve the energetic imprints of trauma, stress, and inherited limitations. We'll discuss how subconscious patterns influence your decisions, relationships, and spiritual growth—and what it truly means to break free. Whether you're new to energy work or have walked this path for years, this episode offers practical insights, ancient wisdom, and a window into the limitless possibilities of healing.To call into the show with your questions, comments, or stories, dial: (207) 544-1983. They will also be taking your questions from the YouTube chatroom, Facebook, Twitter, and Twitch. Music Credits (for full list click here: https://esotericcatholic.org/vestiges...)Become a supporter of this podcast: https://www.spreaker.com/podcast/vestiges-after-dark--3076216/support.

In this illuminating episode of Vestiges After Dark, Bishop Bryan Ouellette and panel sit down with transformational healer and visionary Susan Shatzer to explore the profound impact of energy healing and the power of pattern interruption. What if the beliefs and energetic signatures you carry are holding you back without your awareness?Susan introduces us to the cutting-edge techniques she uses to dissolve the energetic imprints of trauma, stress, and inherited limitations. We'll discuss how subconscious patterns influence your decisions, relationships, and spiritual growth—and what it truly means to break free. Whether you're new to energy work or have walked this path for years, this episode offers practical insights, ancient wisdom, and a window into the limitless possibilities of healing.To call into the show with your questions, comments, or stories, dial: (207) 544-1983. They will also be taking your questions from the YouTube chatroom, Facebook, Twitter, and Twitch. Music Credits (for full list click here: https://esotericcatholic.org/vestiges...)Become a supporter of this podcast: https://www.spreaker.com/podcast/vestiges-after-dark--3076216/support.

Time spent on converting new clients is one of the biggest pain points for any business. We've all experienced it: you research the opportunity, calculate a budget, put together a proposal - only to discover weeks later, it was a waste of time. Wouldn't it be great to know before you even started the conversation...

Meet Nathaniel Girmaye, VP of Sales and Marketing at Go Lime, the Canadian startup turning HVAC upside down with a direct-to-consumer model, transparent pricing, and 24-hour installs. Nathaniel shares how Go Lime targets Ontario homeowners, halves legacy rental costs by cutting middlemen, and uses an action-first website flow instead of classic AIDA to capture high-intent buyers. He breaks down a tech-driven stack, relentless A/B testing, and the "sifter" mindset to match content and CTAs to buyer readiness. Expect practical insights on channel mix (Meta for awareness, Google for capture), building trust through reviews and Reddit buzz, team efficiency, and why mastering human behavior outlasts algorithm shifts.   

La disinformazione è un problema sempre maggiore nella società odierna, con effetti negativi sull'esercizio della democrazia. Vivian Gerrand, ricercatrice dell'ANU, ci ha parlato di un sondaggio sul fenomeno, nell'ambito del progetto "Disrupting Disinformation Ecologies".

Send us a textThe Future of Autonomous Trucking with BOT Auto's Bart TeeterIn this episode of the Trucking Risk and Insurance Podcast, host Chris dives deep into the world of autonomous trucking with guest Bart Teeter, Director of Fleet and Operational Safety at BOT Auto. They discuss the development and implications of driverless trucks, including safety, industry disruption, and societal benefits. Bart explains BOT Auto's focus on Level 4 automation, their operational strategies, safety validation processes, and competitive advantages. The podcast also touches on the potential impact on truck drivers, insurance, and future advancements in autonomous vehicle technology.BOT Autohttps://bot.auto/1 952 463 7300https://bot.auto/contactBart TeeterHOSTChris Harris, Safety Dawgchris@safetydawg.com00:00 Introduction to Autonomous Trucking01:17 Meet Bart Teeter from Bot Auto03:31 Understanding Autonomous Vehicle Levels06:32 Safety and Efficiency of Autonomous Trucks08:26 Current State and Future of Autonomous Trucking11:45 Validation and Testing of Autonomous Systems16:13 Funding and Competition in Autonomous Trucking24:53 Impact on Jobs and Industry28:14 Final Thoughts and Future Outlook30:50 Conclusion and Call to Action

Live from Morgan Stanley's European Tech, Media and Telecom Conference in Barcelona, our roundtable of analysts discusses tech disruptions and datacenter growth, and how Europe factors in.Read more insights from Morgan Stanley.----- Transcript -----Paul Walsh: Welcome to Thoughts on the Market. I'm Paul Walsh, Morgan Stanley's European Head of Research Product. Today we return to my conversation with Adam Wood. Head of European Technology and Payments, Emmet Kelly, Head of European Telco and Data Centers, and Lee Simpson, Head of European Technology. We were live on stage at Morgan Stanley's 25th TMT Europe conference. We had so much to discuss around the themes of AI enablers, semiconductors, and telcos. So, we are back with a concluding episode on tech disruption and data center investments. It's Thursday the 13th of November at 8am in Barcelona. After speaking with the panel about the U.S. being overweight AI enablers, and the pockets of opportunity in Europe, I wanted to ask them about AI disruption, which has been a key theme here in Europe. I started by asking Adam how he was thinking about this theme. Adam Wood: It's fascinating to see this year how we've gone in most of those sectors to how positive can GenAI be for these companies? How well are they going to monetize the opportunities? How much are they going to take advantage internally to take their own margins up? To flipping in the second half of the year, mainly to, how disruptive are they going to be? And how on earth are they going to fend off these challenges? Paul Walsh: And I think that speaks to the extent to which, as a theme, this has really, you know, built momentum. Adam Wood: Absolutely. And I mean, look, I think the first point, you know, that you made is absolutely correct – that it's very difficult to disprove this. It's going to take time for that to happen. It's impossible to do in the short term. I think the other issue is that what we've seen is – if we look at the revenues of some of the companies, you know, and huge investments going in there. And investors can clearly see the benefit of GenAI. And so investors are right to ask the question, well, where's the revenue for these businesses? You know, where are we seeing it in info services or in IT services, or in enterprise software. And the reality is today, you know, we're not seeing it. And it's hard for analysts to point to evidence that – well, no, here's the revenue base, here's the benefit that's coming through. And so, investors naturally flip to, well, if there's no benefit, then surely, we should focus on the risk. So, I think we totally understand, you know, why people are focused on the negative side of things today. I think there are differences between the sub-sectors. I mean, I think if we look, you know, at IT services, first of all, from an investor point of view, I think that's been pretty well placed in the losers' buckets and people are most concerned about that sub-sector… Paul Walsh: Something you and the global team have written a lot about. Adam Wood: Yeah, we've written about, you know, the risk of disruption in that space, the need for those companies to invest, and then the challenges they face. But I mean, if we just keep it very, very simplistic. If Gen AI is a technology that, you know, displaces labor to any extent – companies that have played labor arbitrage and provide labor for the last 20 - 25 years, you know, they're going to have to make changes to their business model. So, I think that's understandable. And they're going to have to demonstrate how they can change and invest and produce a business model that addresses those concerns. I'd probably put info services in the middle. But the challenge in that space is you have real identifiable companies that have emerged, that have a revenue base and that are challenging a subset of the products of those businesses. So again, it's perfectly understandable that investors would worry. In that context, it's not a potential threat on the horizon. It's a real threat that exists today against certainly their businesses. I think software is probably the most interesting. I'd put it in the kind of final bucket where I actually believe… Well, I think first of all, we certainly wouldn't take the view that there's no risk of disruption and things aren't going to change. Clearly that is going to be the case. I think what we'd want to do though is we'd want to continue to use frameworks that we've used historically to think about how software companies differentiate themselves, what the barriers to entry are. We don't think we need to throw all of those things away just because we have GenAI, this new set of capabilities. And I think investors will come back most easily to that space. Paul Walsh: Emett, you talked a little bit there before about the fact that you haven't seen a huge amount of progress or additional insight from the telco space around AI; how AI is diffusing across the space. Do you get any discussions around disruption as it relates to telco space? Emmet Kelly: Very, very little. I think the biggest threat that telcos do see is – it is from the hyperscalers. So, if I look at and separate the B2C market out from the B2B, the telcos are still extremely dominant in the B2C space, clearly. But on the B2B space, the hyperscalers have come in on the cloud side, and if you look at their market share, they're very, very dominant in cloud – certainly from a wholesale perspective. So, if you look at the cloud market shares of the big three hyperscalers in Europe, this number is courtesy of my colleague George Webb. He said it's roughly 85 percent; that's how much they have of the cloud space today. The telcos, what they're doing is they're actually reselling the hyperscale service under the telco brand name. But we don't see much really in terms of the pure kind of AI disruption, but there are concerns definitely within the telco space that the hyperscalers might try and move from the B2B space into the B2C space at some stage. And whether it's through virtual networks, cloudified networks, to try and get into the B2C space that way. Paul Walsh: Understood. And Lee maybe less about disruption, but certainly adoption, some insights from your side around adoption across the tech hardware space? Lee Simpson: Sure. I think, you know, it's always seen that are enabling the AI move, but, but there is adoption inside semis companies as well, and I think I'd point to design flow. So, if you look at the design guys, they're embracing the agentic system thing really quickly and they're putting forward this capability of an agent engineer, so like a digital engineer. And it – I guess we've got to get this right. It is going to enable a faster time to market for the design flow on a chip. So, if you have that design flow time, that time to market. So, you're creating double the value there for the client. Do you share that 50-50 with them? So, the challenge is going to be exactly as Adam was saying, how do you monetize this stuff? So, this is kind of the struggle that we're seeing in adoption. Paul Walsh: And Emmett, let's move to you on data centers. I mean, there are just some incredible numbers that we've seen emerging, as it relates to the hyperscaler investment that we're seeing in building out the infrastructure. I know data centers is something that you have focused tremendously on in your research, bringing our global perspectives together. Obviously, Europe sits within that. And there is a market here in Europe that might be more challenged. But I'm interested to understand how you're thinking about framing the whole data center story? Implications for Europe. Do European companies feed off some of that U.S. hyperscaler CapEx? How should we be thinking about that through the European lens? Emmet Kelly: Yeah, absolutely. So, big question, Paul. What… Paul Walsh: We've got a few minutes! Emmet Kelly: We've got a few minutes. What I would say is there was a great paper that came out from Harvard just two weeks ago, and they were looking at the scale of data center investments in the United States. And clearly the U.S. economy is ticking along very, very nicely at the moment. But this Harvard paper concluded that if you take out data center investments, U.S. economic growth today is actually zero. Paul Walsh: Wow. Emmet Kelly: That is how big the data center investments are. And what we've said in our research very clearly is if you want to build a megawatt of data center capacity that's going to cost you roughly $35 million today. Let's put that number out there. 35 million. Roughly, I'd say 25… Well, 20 to 25 million of that goes into the chips. But what's really interesting is the other remaining $10 million per megawatt, and I like to call that the picks and shovels of data centers; and I'm very convinced there is no bubble in that area whatsoever.So, what's in that area? Firstly, the first building block of a data center is finding a powered land bank. And this is a big thing that private equity is doing at the moment. So, find some real estate that's close to a mass population that's got a good fiber connection. Probably needs a little bit of water, but most importantly needs some power. And the demand for that is still infinite at the moment. Then beyond that, you've got the construction angle and there's a very big shortage of labor today to build the shells of these data centers. Then the third layer is the likes of capital goods, and there are serious supply bottlenecks there as well.And I could go on and on, but roughly that first $10 million, there's no bubble there. I'm very, very sure of that. Paul Walsh: And we conducted some extensive survey work recently as part of your analysis into the global data center market. You've sort of touched on a few of the gating factors that the industry has to contend with. That survey work was done on the operators and the supply chain, as it relates to data center build out. What were the key conclusions from that? Emmet Kelly: Well, the key conclusion was there is a shortage of power for these data centers, and… Paul Walsh: Which I think… Which is a sort of known-known, to some extent. Emmet Kelly: it is a known-known, but it's not just about the availability of power, it's the availability of green power. And it's also the price of power is a very big factor as well because energy is roughly 40 to 45 percent of the operating cost of running a data center. So, it's very, very important. And of course, that's another area where Europe doesn't screen very well.I was looking at statistics just last week on the countries that have got the highest power prices in the world. And unsurprisingly, it came out as UK, Ireland, Germany, and that's three of our big five data center markets. But when I looked at our data center stats at the beginning of the year, to put a bit of context into where we are…Paul Walsh: In Europe… Emmet Kelly: In Europe versus the rest. So, at the end of [20]24, the U.S. data center market had 35 gigawatts of data center capacity. But that grew last year at a clip of 30 percent. China had a data center bank of roughly 22 gigawatts, but that had grown at a rate of just 10 percent. And that was because of the chip issue. And then Europe has capacity, or had capacity at the end of last year, roughly 7 to 8 gigawatts, and that had grown at a rate of 10 percent. Now, the reason for that is because the three big data center markets in Europe are called FLAP-D. So, it's Frankfurt, London, Amsterdam, Paris, and Dublin. We had to put an acronym on it. So, Flap-D. Good news. I'm sitting with the tech guys. They've got even more acronyms than I do, in their sector, so well done them. Lee Simpson: Nothing beats FLAP-D. Paul Walsh: Yes. Emmet Kelly: It's quite an achievement. But what is interesting is three of the big five markets in Europe are constrained. So, Frankfurt, post the Ukraine conflict. Ireland, because in Ireland, an incredible statistic is data centers are using 25 percent of the Irish power grid. Compared to a global average of 3 percent.Now I'm from Dublin, and data centers are running into conflict with industry, with housing estates. Data centers are using 45 percent of the Dublin grid, 45. So, there's a moratorium in building data centers there. And then Amsterdam has the classic semi moratorium space because it's a small country with a very high population. So, three of our five markets are constrained in Europe. What is interesting is it started with the former Prime Minister Rishi Sunak. The UK has made great strides at attracting data center money and AI capital into the UK and the current Prime Minister continues to do that. So, the UK has definitely gone; moved from the middle lane into the fast lane. And then Macron in France. He hosted an AI summit back in February and he attracted over a 100 billion euros of AI and data center commitments. Paul Walsh: And I think if we added up, as per the research that we published a few months ago, Europe's announced over 350 billion euros, in proposed investments around AI. Emmet Kelly: Yeah, absolutely. It's a good stat. Now where people can get a little bit cynical is they can say a couple of things. Firstly, it's now over a year since the Mario Draghi report came out. And what's changed since? Absolutely nothing, unfortunately. And secondly, when I look at powering AI, I like to compare Europe to what's happening in the United States. I mean, the U.S. is giving access to nuclear power to AI. It started with the three Mile Island… Paul Walsh: Yeah. The nuclear renaissance is… Emmet Kelly: Nuclear Renaissance is absolutely huge. Now, what's underappreciated is actually Europe has got a massive nuclear power bank. It's right up there. But unfortunately, we're decommissioning some of our nuclear power around Europe, so we're going the wrong way from that perspective. Whereas President Trump is opening up the nuclear power to AI tech companies and data centers. Then over in the States we also have gas and turbines. That's a very, very big growth area and we're not quite on top of that here in Europe. So, looking at this year, I have a feeling that the Americans will probably increase their data center capacity somewhere between – it's incredible – somewhere between 35 and 50 percent. And I think in Europe we're probably looking at something like 10 percent again. Paul Walsh: Okay. Understood. Emmet Kelly: So, we're growing in Europe, but we're way, way behind as a starting point. And it feels like the others are pulling away. The other big change I'd highlight is the Chinese are really going to accelerate their data center growth this year as well. They've got their act together and you'll see them heading probably towards 30 gigs of capacity by the end of next year. Paul Walsh: Alright, we're out of time. The TMT Edge is alive and kicking in Europe. I want to thank Emmett, Lee and Adam for their time and I just want to wish everybody a great day today. Thank you.(Applause) That was my conversation with Adam, Emmett and Lee. Many thanks again to them. Many thanks again to them for telling us about the latest in their areas of research and to the live audience for hearing us out. And a thanks to you as well for listening. Let us know what you think about this and other episodes by living us a review wherever you get your podcasts. And if you enjoy listening to Thoughts on the Market, please tell a friend or colleague about the podcast today.

The Drive opened the show explaining how the Broncos, Colts and Patriots are the upstart teams, and will have to prove themselves against the old guard of the AFC.

In this conversation, Jitka Bedford discusses her vision to transform the rental application process in the United States. She emphasizes the need for a more efficient system where renters can present their rental resumes instead of going through traditional application hurdles. The discussion also touches on recent legislative changes in Colorado that support the acceptance of portable tenant screening reports, paving the way for a more streamlined process.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

In this episode of Disruption/Interruption, host KJ interviews Mark Mincy, Chief Commercial Officer at US RX Care, about the hidden complexities and conflicts of interest in the pharmacy benefits industry. Mark shares how his company is disrupting the status quo by demanding transparency, eliminating conflicts, and helping employers reclaim millions in savings. The conversation uncovers the tangled web of PBMs, rebates, and the urgent need for legislative and technological change. Key Takeaways: The PBM System is Riddled with Conflicts of Interest [2:34]Mark explains how pharmacy benefit managers (PBMs) and consultants often act in their own financial interest, not the employer’s or patient’s, leading to inflated drug costs. Rebates and Purchasing Contributions Inflate Drug Prices [8:59]The system of rebates and retrospective payments to PBMs can account for up to 80% of a drug’s cost, forcing manufacturers to raise prices and employers to pay more. Transparency and Fiduciary Duty are Essential for Reform [21:37]Mark’s company, US RX Care, operates with complete transparency, passes back all rebates, and offers per-member-per-month guarantees to eliminate guesswork and conflicts. Employers and Consumers Can Take Action [33:34]Mark recommends joining healthcare purchaser coalitions, hiring ERISA attorneys, and demanding non-conflicted consultants to protect interests and drive industry change. Quote of the Show [31:27]:"Everything's intertwined. You want to move and do the right thing. These employers are between a rock and a hard place, so I do think some legislative action needs to occur." – Mark Mincy Join our Anti-PR newsletter where we’re keeping a watchful and clever eye on PR trends, PR fails, and interesting news in tech so you don't have to. You're welcome. Want PR that actually matters? Get 30 minutes of expert advice in a fast-paced, zero-nonsense session from Karla Jo Helms, a veteran Crisis PR and Anti-PR Strategist who knows how to tell your story in the best possible light and get the exposure you need to disrupt your industry. Click here to book your call: https://info.jotopr.com/free-anti-pr-eval Ways to connect with Mark Mincy: LinkedIn: http://www.linkedin.com/in/mark-mincy-a185497 Company Website: https://us-rxcare.com How to get more Disruption/Interruption: Amazon Music - https://music.amazon.com/podcasts/eccda84d-4d5b-4c52-ba54-7fd8af3cbe87/disruption-interruption Apple Podcast - https://podcasts.apple.com/us/podcast/disruption-interruption/id1581985755 Spotify - https://open.spotify.com/show/6yGSwcSp8J354awJkCmJlDSee omnystudio.com/listener for privacy information.

Transforming donor-advised funds into the next big wave of accessible, tech-powered philanthropy. SHOW NOTES:November 13, 2025 - Episode # 207Disrupting Donations: How Chariot is Powering the DAF Revolution On this episode of Raise Nation Radio, host Steve Lausch sits down with Mitch Stein, Head of Strategy at Chariot, to unpack the rise of donor-advised funds (DAFs) and how they're reshaping the future of charitable giving. From simplifying complex donations with DAFpay to empowering nonprofits with instant donor data, Chariot is redefining the donor experience and making generosity more seamless than ever. Mitch and Steve explore how DAFs are becoming democratized, no longer reserved for the wealthy few, but open to everyday givers who want impact at their fingertips. The conversation dives into how technology, transparency, and timing are changing the fundraising landscape, proving that innovation and philanthropy can go hand in hand. Guest Reflection: "When we make giving easier, faster, and more personal, everyone wins - donors, nonprofits, and the causes they care about most." -- Mitch SteinEpisode Highlights: How Chariot's DAFpay bridges the gap between modern donors and nonprofits. Why DAFs are growing faster than any other charitable giving vehicle. The average DAF gift and what it means for fundraising strategy. What's next for Chariot and the future of DAF-driven giving. Connect with our Guests: Mitch Stein Episodes Resources: Chariot DAF Fundraising Report Complete Guide to Donor-Advised Funds DAFpay by Chariot Case Studies Episode Credits and Extras: YouTube FREE ResourcesRaise Event Fundraising Conference Grant ProgramThank you for tuning in wherever you listen to your favorite podcast. Please like, follow, and subscribe to grow our community. Stay Fearless!

The Trends Journal is a weekly magazine analyzing global current events forming future trends. Our mission is to present Facts and Truth over fear and propaganda to help subscribers prepare for What's Next in these increasingly turbulent times. To access our premium content, subscribe to the Trends Journal: https://trendsjournal.com/subscribe Follow Gerald Celente on Twitter: http://twitter.com/geraldcelente Follow Gerald Celente on Facebook: http://facebook.com/gcelente Follow Gerald Celente on Instagram: https://www.instagram.com/geraldcelentetrends Follow Gerald Celente on Gab: http://gab.com/geraldcelente Copyright © 2025 Trends Research Institute. All rights reserved.

Daniel Rudyak, co-founder of ReadyRx, joins us to talk about redefining the future of wellness, healthcare, and health tech innovation. With over $1 billion in business transactions and multiple high-growth startups under his belt, Daniel brings rare insight into how entrepreneurs can scale purpose-driven companies without losing sight of their mission.Inspired by his father's battle with chronic illness, Daniel shares how personal experience shaped ReadyRx's vision for proactive care and better patient access. In this episode, we unpack the intersection of business, mission, and technology—plus Daniel's honest take on what it really takes to build and grow in the health tech space today.

I sat down with Toby  Gilbert, co‑founder of Pact Swap, to dig into how he went from years in telecoms to building infrastructure for the Web3 era. We talk about the problems in decentralized exchanges, why cross‑chain and native Bitcoin support matter, and how Pact Swap is positioning itself to offer DEX functionality at central‑exchange price levels — without KYC and heavy overheads. If you've ever wondered how innovation in DEX infrastructure happens behind the scenes, this episode is for you.Key Learnings[00:01:00] Toby's entry into blockchain came via a deep infrastructure dev friend who highlighted the scaling pain‑points of incompatible chains.[00:02:00] Unlike many who start with Bitcoin or Ethereum apps, Toby started “far further upstream” building infrastructure.[00:03:00] Pact Swap is a cross‑chain DEX that supports native Bitcoin — tackling usability and cost issues with current solutions.[00:04:00] The architecture: Rather than locking hundreds of millions in validator collateral, Pact Swap uses per‑trade collateral and reactive smart‑contracts — making swaps ~95% cheaper than some competitors.[00:05:00] Their go‑to‑market is B2C + B2B (gaming companies, gateways, merchants) — enabling non‑crypto businesses to accept a variety of tokens and instantly swap to stable tokens without KYC overhead.[00:11:00] They're launching a governance & utility token: holders will access fee‑pools, burn tokens to unlock collateral — adding a “gamified” arbitrage model.[00:13:00] Misconception: “Are cross‑chain DEXs safe?” Toby explains how Pact Swap avoids bridges and uses a new architecture to keep it secure.[00:17:00] Big benchmark: Toby expects $0.5 billion/day of trade volume by end‑2026 — scaling to centralized‑exchange levels.[00:18:00] Advice for founders: Be ready to pivot, understand regulation, budget accordingly, and build team culture with open conversation.[00:21:00] On DeFi's next phase: User experience must evolve to bring in non‑crypto users and expand liquidity sources.[00:24:00] On raising: “Build product first, not just a pitch deck” — traction matters more than buzzwords.DisclaimerNothing mentioned in this podcast is investment advice and please do your own research.It would mean a lot if you can leave a review of this podcast on Apple Podcasts or Spotify and share this podcast with a friend.Connecthttps://pactswap.io/https://x.com/Pact_Swaphttps://x.com/TobyCoinwebhttps://www.linkedin.com/in/toby-gilbert-64909855/ Be featured on this podcastBe a guest on the podcast or contact us - https://www.web3pod.xyz/

In this episode of Disruption/Interruption, host KJ interviews Stephan Luna Ng, founder of Moon Five Technologies, about breaking barriers to electric vehicle (EV) charging in apartments and multifamily homes. Stephan shares his journey from environmentalist to entrepreneur, the challenges of EV infrastructure, and how his company is making EV charging accessible, equitable, and resilient for renters and property owners alike. Key Takeaways: EV Charging for Renters and Multifamily Homes [02:18]Stephan explains the unique challenges of providing EV charging in apartments and how Moon Five Technologies is solving them with a tenant-focused approach. Equity and Accessibility in Clean Tech [05:34]The current EV infrastructure often favors wealthier communities. Stephan’s mission is to make charging accessible for low-income and disadvantaged communities. Innovative Load Sharing and Resiliency [13:34]Moon Five’s system branches off individual tenant meters, enabling smart load sharing and even allowing EVs to power apartments during blackouts. Scaling Impact and Community Engagement [20:01]Stephan discusses rapid scaling, the importance of a waitlist, and how community feedback shapes their deployment strategy. Quote of the Show [24:21]:"With something as important as changing the earth, do we wanna be signaling that we're retreating?" — Stephan Luna Ng Join our Anti-PR newsletter where we’re keeping a watchful and clever eye on PR trends, PR fails, and interesting news in tech so you don't have to. You're welcome. Want PR that actually matters? Get 30 minutes of expert advice in a fast-paced, zero-nonsense session from Karla Jo Helms, a veteran Crisis PR and Anti-PR Strategist who knows how to tell your story in the best possible light and get the exposure you need to disrupt your industry. Click here to book your call: https://info.jotopr.com/free-anti-pr-eval Ways to connect with Stephan Luna Ng: LinkedIn: https://www.linkedin.com/in/stephanlunang/ Company Website: moonfive.tech How to get more Disruption/Interruption: Amazon Music - https://music.amazon.com/podcasts/eccda84d-4d5b-4c52-ba54-7fd8af3cbe87/disruption-interruption Apple Podcast - https://podcasts.apple.com/us/podcast/disruption-interruption/id1581985755 Spotify - https://open.spotify.com/show/6yGSwcSp8J354awJkCmJlDSee omnystudio.com/listener for privacy information.

Brian Fabian Crain and Michael Egorov, Curve Finance founder, discuss Curve's origins: solving inefficient DAI/USDC swaps after MakerDAO borrows by creating a DeFi AMM for stablecoins and LSTs. It hit 1M TVL with a bonding curve concentrating liquidity at 1:1, more effective for pegged assets than Uniswap. Features grew to include BTC wrappers, stETH pairs, and crvUSD (a CDP stablecoin with reversible liquidations & a peg-keeper). Governance uses veCRV: Locking CRV grants voting power proportional to lock duration, a mechanism now refined in Yield Basis. Yield Basis solves impermanent loss in volatile pools (e.g., BTC/crvUSD). Users deposit BTC; the protocol borrows crvUSD, pairs it at 2x leverage (50% debt/equity), and uses LP tokens as collateral. This gives 1:1 asset tracking, while fees accrue from auto-rebalancing arbitrage. Simulations show 20%+ APY (may decline as BTC volatility drops) under a $50B TVL cap. It complements Curve by directing veCRV incentives to crvUSD pools, enhancing liquidity, fees, and DAO revenues. Key considerations: manual migrations, deterring forks, and dev support to scale. Topics Discussed 00:00 Introduction to Curve Finance and YieldBases 02:24 Understanding Curve's Unique Mechanisms 07:58 The Concept of veTokenomics 15:27 Lessons Learned from Building Curve 22:20 Exploring YieldBasis and Its Innovations 29:47 Understanding Yield Basis and Collateralization 32:25 Navigating Market Volatility and Liquidation Events 35:32 Metrics and Performance Insights of Yield Basis 38:35 Scaling Yield Basis: Future Directions 40:33 Yield Expectations and Market Dynamics 43:12 Potential Growth and Liquidity Challenges 46:18 Expanding to Other Chains and Governance Tokens 49:35 The Symbiotic Relationship with Curve 54:31 Upcoming Milestones and Future Developments Links Mentioned Michael Egorov on X Curve Finance Yield Basis Gnosis Epicenter - All Episodes SponsorsGnosis: Building decentralized infrastructure since 2015. With Gnosis Pay, the first Decentralized Payment Network. Start leveraging its power at gnosis.io This episode is hosted by Brian Fabian Crain.

Rob is the CEO and Co-Founder of GloCoach, a pioneering platform that links leadership talent with AI-driven, human-centric talent development […]

Send us a textThis week on BetaTalk, we're doing something truly special: the FIRST EVER exclusive interview with EDF Heat Pumps about their groundbreaking new "Express" initiative.EDF's new "Express" initiative is hitting the accelerator, promising faster, smoother heat pump deployments that are directly comparable to the cost of a boiler install. We sit down with Clay Brown from EDF Heat Pumps behind to unpack:What "Express" really means for installers and homeowners.How they're streamlining the process from survey to switch-on.The vision behind this bold step for #RenewableEnergy.Sign up to the BetaTeach newsletter to view heat pump installations from engineers in the Guild of Master Heat EngineersGUILD PATRONS:Primary ProWolseley Renewables CentreCastradsUK RadiatorsSupport the showLearn more about heat pump heating by followingNathan on Linkedin, Twitter and BlueSky

Eps. 93 in today's episode we get LOUD with Peace Out Skincare Founder, Enrico Frezza. Walking through Enrico's struggle with acne as a teenager to revolutionizing skincare with ingredient infused patches to bring a new positive approach to treating acne. Watch the video version of this episode on YouTube: https://youtu.be/8JgglAp2W5IFollow Enrico Frezza: https://www.instagram.com/thefrezza/ Peace Out Skincare: https://peaceoutskincare.com/en-ca Shop real skin. real results: https://nine2fiveskin.com/ Audio versions: Catch LTWL on Apple: https://podcasts.apple.com/ca/podcast/loudtalk-with-lavi/id1664975601 Catch LTWL on Spotify: https://open.spotify.com/show/3lXkBxqJOYzwu3g15fCmCM?si=e33b945687874d0f&nd=1 For Podcast highlights and updates follow: LTWL Instagram: https://www.instagram.com/loudtalkwithlavi/?hl=en LTWL TikTok: https://www.tiktok.com/@loudtalkwithlavi?lang=en More Lavi: Lavinia Rusanda YouTube: https://www.youtube.com/@LaviniaRusanda/videos Lavinia Rusanda TikTok: https://www.tiktok.com/@laviniarusanda?lang=en Lavinia Rusanda on Instagram: https://www.instagram.com/laviniarusanda/?hl=en Join Content Creator and engineering and business student Lavinia Rusanda as she uncovers the secrets of the beauty industry, breaks down the walls of beauty standards, and teaches you to learn self-love and become confident in your skin while bringing awareness to acne and real unfiltered skin.

I found Dr. Trasande quoted in a Washington Post article The health risks from plastics almost nobody knows about: Phthalates, chemicals found in plastics, are linked to an array of problems, especially in pregnancy. He said, "Endocrine-disrupting chemicals are one of the biggest global health threats of our time ... And 2 percent of us know about it---but 99 percent of us are affected by it.”The article said that he said that "at the population level, scientists can see telltale signs that those chemicals are undermining human health, adding to growing male infertility or growing cases of ADHD." This outcome suggests a violation of this nation being founded on protecting life, liberty, and property, and the consent of the governed. I also found from this video, Food Contaminants and Additives, that he reported his results thoroughly, taking care not to venture outside his research.I had to talk to him.We talked about his research, what brought him to a new field, now burgeoning, of learning about chemicals that disrupt our endocrine systems---that is, they mess with our hormones. You'll hear that he didn't intend to go into it. It was (tragically) growing in importance since our hormone systems are becoming increasingly disrupted, as are those of many species.I should be more accurate. They aren't passively being disrupted. Consumers are paying companies to produce chemicals that do it.It sounds slimy and scary. I'd rather it didn't happen, but since it does, I'd rather know than not know. I think you would too.Dr. Trasande's NYU faculty page Hosted on Acast. See acast.com/privacy for more information.

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In this episode of The Digital Executive, host Brian Thomas welcomes Andrea Luoni, founder and CEO of Rate Craft, who's redefining transparency and ethics in the insurance industry.Andrea shares how her lifelong instinct to defend others fuels her mission to protect clients from hidden costs and industry abuse. She explains why too many businesses accept rising premiums without question—and how getting a second opinion can save millions.From her front-row view of the industry's consolidation to her embrace of AI-driven insights, Andrea reveals why it's time for bold leaders to challenge outdated systems and rebuild trust in insurance.Whether you're a startup founder, business owner, or leader navigating risk management, Andrea's perspective is a masterclass in courage, ethics, and disruption.If you liked what you heard today, please leave us a review - Apple or Spotify. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The proclamation "Hashem Melech, Hashem Malach, Hashem Yimloch Le'olam Va'ed," which we make each morning before Baruch She'amar, should be made while standing. On weekdays, "Hashem Melech" is recited just before Baruch She'amar, and so one remains standing until after Baruch She'amar. On Shabbat and holidays, however, when other chapters of Tehillim are recited in between "Hashem Melech" and Baruch She'amar, one must remain standing until he completes the verse recited right after "Hashem Melech" – "Ve'haya Hashem La'Melech…U'Shmo Ehad." The next paragraph – "Hoshi'enu" – may be recited sitting. If one has already prayed Shaharit, and, while learning Torah in the synagogue, he hears the congregation recite "Hashem Melech," then he must stand. Preferably, he should also join them in the recitation. If, however, one hears an individual reciting "Hashem Melech," not with a Minyan, he has no obligation to stand. If a person is praying with a Minyan, and he is still reciting Hodu when the congregation reaches "Hashem Melech," then he should stand but not join the congregation in reciting "Hashem Melech." The Arizal taught that the sequence of the prayer service is vitally important, and so following the proper order takes precedence over the value of joining the congregation in reciting "Hashem Melech." Disrupting the sequence of the Tefila could adversely affect its impact, and so one should not recite "Hashem Melech" early, while he has yet to complete Hodu or the earlier parts of the service. This is the ruling of the Ben Ish Hai (Rav Yosef Haim of Baghdad, 1833-1909) and the Kaf Ha'haim (Rav Yaakob Haim Sofer, Baghdad-Jerusalem, 1870-1939). This is in contrast to the view of the Peri Hadash (Rav Hizkiya Da Silva, 1659-1698), who felt that since we do not pray with all the deep intentions of the Arizal, the sequence of the prayers is not as critical, and thus one should interrupt an earlier part of the service for the sake of joining the recitation of "Hashem Melech." The Ben Ish Hai countered that we should follow the Arizal's practices despite not having all his deep Kavanot (intentions), and so the sequence must be maintained. It is worth noting that if Halacha discourages disrupting the Tefila with the recitation of a different part of the service, then certainly, and many times more so, it forbids interruptions such as reading text messages, checking notifications, and doing other things with one's device. Throughout the entire prayer service, we should try to remain as singularly focused on our Tefila as possible, and make a point of avoiding all distractions. "Hashem Melech" is recited also during the Selihot prayers, and the Ben Ish Hai writes that the aforementioned Halachot apply also when one hears the congregation recite "Hashem Melech" during Selihot, and he is required to stand. Standing during "Hashem Melech" is the accepted custom, but not a strict Halachic requirement. Therefore, an elderly or infirm individual, who finds it difficult to stand, may remain seated for the recitation of "Hashem Melech." The Ben Ish Hai writes that standing is not required during the traditional recitation of "Hashem Melech" during the Hakafot on Simhat Torah. This custom is a relatively new development, and may thus be treated more leniently, such that standing is not required. Hacham Ovadia Yosef raises the question of how the Ben Ish Hai could write this, as standing is strictly required during Hakafot for an entirely different reason – because the Torah scrolls are being carried. Irrespective of the recitation of "Hashem Melech," standing is required in the synagogue when the Sefer Torah is being carried, which is of course happening during Hakafot. Some answer this question by suggesting that the Ben Ish Hai accepted the novel ruling of Rav Shlomo Zalman Auerbach (Jerusalem, 1910-1995) permitting one to sit during Hakafot. Rav Shlomo Zalman asserted that during Hakafot, the Torah scrolls are considered to be in their place, as they are meant to be danced with at this time. Standing for the Sefer Torah is required only when it is removed from its place, and therefore one may sit during Hakafot, when the Torah scrolls are, in a sense, in their place. For this reason, perhaps, the Ben Ish Hai permitted sitting while reciting "Hashem Melech" during the Hakafot. It is unlikely, however, that the Ben Ish Hai followed this novel position, and in fact, it is not accepted as Halacha. The story is told of Hacham Ezra Attieh (1885-1970), Rosh Yeshiva of Yeshivat Porat Yosef, who, as an older man, felt weary during Hakafot on Simhat Torah, and so he left the room to sit down somewhere else. This is the generally accepted Halacha – that even those who feel weak or weary during Hakafot should leave the synagogue to sit. (It should be noted, however, that Hacham Ovadia permitted sitting when the Torah scrolls are stationary in the few moments between Hakafot.) It is more likely, then, that the Ben Ish Hai referred to the practice observed in many congregations to place the Torah scrolls on the Teba after dancing and recite the hymns, including "Hashem Melech," and he therefore wrote that sitting is permissible during that time. Summary: One must stand for the recitation of "Hashem Melech" during Shaharit. If one had already prayed, and, while learning in the synagogue, he hears the congregation recite "Hashem Melech," he should stand and join their recitation. If one is reciting a different part of the prayer service, such as Hodu, then he should rise but not interrupt to recite "Hashem Melech." This applies also to the recitation of "Hashem Melech" during Selihot. Standing is not required, however, for the recitation of "Hashem Melech" during Hakafot if the Torah scrolls are on the Teba and not being carried at that time. The elderly, infirm and others who find it difficult to stand may remain seated for the recitation of "Hashem Melech," even during Shaharit and Selihot.

In this episode of Disruption/Interruption, host KJ sits down with Micah Remley, CEO of Robin Powered, to discuss the challenges and opportunities of hybrid work. They explore how data-driven approaches can transform workplace culture, boost productivity, and help companies thrive in a post-pandemic world where flexibility and connection are more important than ever. Key Takeaways: [2:06] Hybrid work is here to stay, but a one-size-fits-all solution doesn't work—companies must use data to create meaningful in-person experiences. [6:53] Culture is the tie that binds organizations; remote and hybrid work have made it harder to maintain, but it's essential for long-term success. [17:19] Proximity to high performers in the office can boost individual performance by 15% due to emulation and peer pressure. [22:05] Flexible, unstructured hybrid models often fail—coordinated team days and intentional office use are key to making hybrid work successful. Quote of the Show [3:45]:"You're deeply passionate about what you're trying to disrupt... you feel it in your soul because you're putting yourself out there, trying to move the needle." – Micah Remley Join our Anti-PR newsletter where we’re keeping a watchful and clever eye on PR trends, PR fails, and interesting news in tech so you don't have to. You're welcome. Want PR that actually matters? Get 30 minutes of expert advice in a fast-paced, zero-nonsense session from Karla Jo Helms, a veteran Crisis PR and Anti-PR Strategist who knows how to tell your story in the best possible light and get the exposure you need to disrupt your industry. Click here to book your call: https://info.jotopr.com/free-anti-pr-eval Ways to connect with Micah Remley: LinkedIn: https://www.linkedin.com/in/micah-remley-b6430740/ Company Website: robinpowered.com How to get more Disruption/Interruption: Amazon Music - https://music.amazon.com/podcasts/eccda84d-4d5b-4c52-ba54-7fd8af3cbe87/disruption-interruption Apple Podcast - https://podcasts.apple.com/us/podcast/disruption-interruption/id1581985755 Spotify - https://open.spotify.com/show/6yGSwcSp8J354awJkCmJlDSee omnystudio.com/listener for privacy information.

Marina Larroudé joins Vivian to spill the tea on building wealth in the fashion industry and beyond in this refreshingly honest conversation about money, style, and success. Marina opens up about her journey from fashion insider to entrepreneur, sharing the financial lessons she learned while working with luxury brands and launching her own namesake shoe company. Marina and Vivian dive into the psychology of luxury spending, the business of fashion, and why financial confidence is the ultimate accessory. Plus, Marina shares her practical tips for making strategic shoe purchases that actually hold value and the money mindsets that helped her transition from employee to founder. Check out Larroude Shoes at https://larroude.com/ and on ⁠Instagram⁠ , and find Marina on ⁠Instagram!⁠ Follow the podcast on Instagram and TikTok! Got a financial question you want answered in a future episode? Email us at podcast@yourrichbff.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

Five Guys was the fastest-growing fast food chain in the world.  And that's partly due to one clever bit of menu psychology.  Today on Nudge, Richard Shotton explains:  - The psychology behind the Five Guys menu  - How Kraft made a healthier Mac & Cheese (without losing customers)  - Why 99% of marketers would have ruined Pumpkin Spice Latte ---  Read Richard's book: https://a.co/d/fEW7amQ Sign up for my newsletter: https://www.nudgepodcast.com/mailing-list Connect on LinkedIn: https://www.linkedin.com/in/phill-agnew-22213187/ Watch Nudge on YouTube: https://www.youtube.com/@nudgepodcast/  --- Today's sources Lee, L., Frederick, S., & Ariely, D. (2006). Try it, you'll like it: The influence of expectation, consumption, and revelation on preferences for beer. Psychological Science, 17(12), 1054–1058. Nelson, L. D., & Meyvis, T. (2008). Interrupted consumption: Disrupting adaptation to hedonic experiences. Journal of Marketing Research, 45(6), 654–664. Raghunathan, R., Naylor, R. W., & Hoyer, W. D. (2006). The unhealthy = tasty intuition and its effects on taste inferences, enjoyment, and choice of food products. Journal of Marketing, 70(4), 170–184. Shu, S. B., & Gneezy, A. (2010). Procrastination of enjoyable experiences. Journal of Marketing Research, 47(5), 933–944. Zhang, Y., Fishbach, A., & Kruglanski, A. W. (2007). The dilution model: How additional goals undermine the perceived instrumentality of a shared path. Journal of Personality and Social Psychology, 92(3), 389–401.

Patrick Leddin is a leadership expert, bestselling author, decorated Army veteran, and founder of two successful companies. As a former Airborne Ranger and 82nd Airborne officer, senior consultant at KPMG and Franklin Covey, and Vanderbilt professor, Patrick has coached thousands of people to lead through challenge and change. He's the author of The Five-Week Leadership Challenge and, with James Patterson, the new book Disrupt Everything: Win and Take Control of Your Future. On this episode we talk about: Patrick's unlikely journey from floundering college dropout and Army recruit to multimillion-dollar entrepreneur and bestselling author How the military taught him discipline and the value of following clear steps and systems Building and exiting a consulting company with his wife—from side hustle to full-time to acquisition Why “betting on yourself” can unlock more security and fulfillment than any traditional “safe” career path Insights from “Disrupt Everything”: Defining purpose, thriving under adversity, and finding opportunity in uncertainty Behind the scenes on co-authoring with James Patterson, blending powerful storytelling with actionable business wisdom Top 3 Takeaways Most “overnight” entrepreneurs start with side hustles, lots of hours, and calculated risk—build your skillset, then leap when the moment is right. Define your mission, values, and purpose early, and you'll weather any disruption or crisis thrown your way. True opportunity is often found in chaos—if you're willing to pivot and act when everyone else hesitates. Notable Quotes “If you can fail at what you don't want, you may as well take a chance on what you love.” “At some point, you need to ask, do you want a safe job—or would you rather bet on yourself?” “Times of uncertainty are fertile ground for opportunity—if you're clear on your purpose, you can disrupt everything and win.” Connect with Patrick Leddin: Website: patrickleddin.com ✖️✖️✖️✖️