Podcasts about Employment

Friday - Clark Stinks day! Christa  shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.   Also,  every time a major technological shift happens, we hear predictions of widespread job destruction—and the rapid rise of Artificial Intelligence is driving those fears to a whole new level. Clark breaks down what the AI boom actually means for your paycheck, how tech expansion shifts hidden costs onto consumers, and the concrete steps you can take today to pivot, re-educate, and make your career resilient against technological change. All this and more on the August 28, 2026, episode of The Clark Howard Show. Clark Stinks: Segments 1 & 2 AI & Jobs: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Top Fortune 500 Companies for Remote Work - Clark Howard How To Find a Trustworthy Mechanic - Clark Howard Credit Card Car Rental Insurance: What You Need To Know Should I Keep My Old Car or Buy a New Car? - Clark Howard  NYTimes: A.I. Companies Are Recruiting Electricians and Carpenters by the Thousands Employers still place a premium on people skills, not AI, when making hiring decisions Should I Convert a Traditional IRA to a Roth IRA? - Clark Howard  Top 7 Ways To Shop Safely Online - Clark Howard  Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Submit your opinions or questions: Ask Clark. Learn more about your ad choices. Visit megaphone.fm/adchoices

In a scathing critique, the speaker takes aim at the Colorado Department of Labor and Employment, highlighting a staggering case of mismanagement and incompetence. The department's inability to accurately track and distribute unemployment benefits has left thousands of people waiting for their rightful checks, with some facing financial ruin.This episode delves into the shocking story of a woman who paid into the unemployment insurance fund, only to be left waiting for her benefits due to a bureaucratic nightmare. The speaker reveals the department's staggering errors, including a discrepancy of over $1.5 billion in owed claims, which was later corrected to a mere $86 million. The auditors' report also uncovered a pattern of understating bad debt, revenue, and expenses, with a total adjustment of $10.6 billion needed to fix the department's books.The speaker questions the department's excuses, pointing out that the pandemic may have caused difficulties, but it's no excuse for the repeated failures to correct their mistakes. The department's inability to get the job done is not just a one-time issue, but a systemic problem that has been ongoing for years. The speaker highlights the contrast between the department's performance and other states, which have managed to distribute benefits efficiently despite similar challenges.The speaker argues that the real issue is not just about accounting errors, but about remembering who the money is for – the people who need it. The episode is a call to action, urging listeners to demand accountability from their government and to remember that the money is for the people, not just a number in a report.See omnystudio.com/listener for privacy information.

Watch the show on television by downloading the SuperCrowd.tv Channel app to your Roku or Amazon Fire TV or e360tv channel app to your Roku, LG or Amazon Fire TV. You can also see it on YouTube.Devin: What is your superpower?Chris: For me, I always think of it in terms of a toolbox or a toolkit. And there's a mix of things that I would put into that toolbox that I think have supported me on my leadership journey.Communication Service for the Deaf is expanding opportunity for deaf and hard of hearing people by fighting bias as much as by improving access.When I welcomed Chris Soukup, CEO of Communication Service for the Deaf, back to this episode, I wanted to understand how CSD's work has evolved over its 50-year history. Chris described a mission rooted in “a persevering commitment to advancing the quality of life for people who are deaf and for the broader disability community.”For decades, CSD helped lead the push for communication access. That work mattered. Interpreting services, video relay and new technologies opened doors that had long been closed.But Chris explained that access alone did not change the economic reality for the community. Employment barriers remained stubbornly high.“We're really confronting challenges with misperception and bias,” Chris said. He noted that the barrier often appears at the very start of a job search, when a deaf applicant identifies themselves and an employer immediately imagines cost, complexity or extra work.“That blocker has really made it difficult for our community to make meaningful progress,” he said.CSD is responding in every direction. Chris called the work “a process of breaking down barriers by land, by air, by sea.” That means media engagement, policy work, corporate partnerships, employee resource groups, storytelling and matching motivated employers with talented deaf professionals ready to contribute.One part of the work especially excites Chris: entrepreneurship. CSD supports deaf founders building their own businesses. As Chris explained, when those entrepreneurs succeed, “they turn right back around, and they hire from their community.”That creates a powerful cycle. Deaf business owners build companies, employ others and become proof points that help dismantle bias for the next person.Chris also reminded me that accessibility is still a matter of safety. In a 911 emergency, a deaf person may have to wait several minutes for a video relay interpreter before even reaching a dispatcher. In a crisis, that delay can be life or death.Chris's response is characteristic of CSD's culture: “There's a better way.”That optimism is not naive. It comes from 50 years of pushing systems to become more humane, more accessible and more just. CSD's work shows that inclusion is not charity. It is infrastructure. It is innovation. It is economic opportunity.tl;dr:CSD's 50-year commitment expands communication access, employment, and economic opportunity for deaf communities.Bias often blocks talented deaf professionals before employers recognize their value.Entrepreneurship is a powerful path for deaf leaders to create jobs and opportunities.Accessible emergency communication remains a critical issue of safety and equity.Chris's superpower is authentic perseverance in advocating for systemic change and inclusion.How to Develop Authentic Perseverance As a SuperpowerChris's superpower is authentic perseverance. He said leadership requires a “toolbox,” beginning with “authenticity.” Early in his career, he struggled with preconceived ideas of how a leader should behave. Over time, he learned that “you're doing yourself and the people that you support a disservice by not representing yourself in a way that really reflects the person that you are.” He also emphasized persistence: “Nothing happens overnight,” and “change happens by showing up every day and being committed to making a difference.”Chris described an awakening that came from noticing where he felt most effective. One-on-one, he could use humor, tell stories, share experiences, use metaphors and speak honestly about big goals and fears. He realized he could bring that same intimacy to a larger audience. Instead of manufacturing a leadership persona, he chose to show more of himself. That authenticity helped him connect more deeply and lead more effectively, whether speaking with one person or many.Stop performing a leadership role and identify what is genuinely true about your strengths and vulnerabilities.Practice sharing the messy mix that makes you human, including humor, confidence, fears and limitations.Notice where you feel most natural and effective, then bring that presence into bigger settings.Keep showing up month after month, even when meaningful change takes longer than expected.Stay focused on the world you want to create and keep moving toward it with resilience.By following Chris's example and advice, you can make authentic perseverance a skill. With practice and effort, you could make it a superpower that enables you to do more good in the world.Remember, however, that research into success suggests that building on your own superpowers is more important than creating new ones or overcoming weaknesses. You do you!Guest ProfileChris Soukup (he/him):CEO, Communication Service for the DeafAbout Communication Service for the Deaf: Communication Service for the Deaf (CSD) is the largest Deaf-led social impact organization in the world. Since 1975, CSD has been a leader in creating and providing accessible and innovative solutions for deaf and hard of hearing communities. Today, CSD continues its work to create opportunities for personal and economic growth, specifically addressing leadership and employment. In 2022, CSD was named to Fast Company's “Most Innovative Companies” list.Website: csd.orgX/Twitter Handle: @ThisIsCSDCompany Facebook Page: facebook.com/ThisIsCSDLinkedIn: linkedin.com/company/thisiscsdInstagram: @thisiscsdBiographical Information: Chris Soukup is Chief Executive Officer of Communication Service for the Deaf (CSD), one of the world's leading deaf-led social impact organizations. For 50 years, CSD has pioneered accessible technologies and communication services for the deaf and hard of hearing communities, including the first nationwide video relay service (VRS) in the United States and one of today's leading direct to video calling (DVC) solutions. Chris is a longtime leading advocate for the deaf and disability communities. For more than a decade, he has led CSD's transformation and global initiatives, including implementing a virtualized infrastructure; developing a disruptive sign language interpreting platform; launching the first social venture fund for deaf entrepreneurs; introducing a constellation of programs to advance employment opportunities within deaf and disabled communities; and creating a new community foundation designed to strengthen other deaf-centric nonprofits. Chris continues to serve a leadership role in the advancement of key policy and legislation to expand accessibility, including the Communications, Video, and Technology Accessibility Act (CVTA). He also has served on several prominent committees and advisory boards to increase opportunities and accessibility for the deaf and disability communities: the Federal Communications Commission's Consumer Advisory Committee; the Disability:IN Disability Equality Index Advisory Committee; NTID Foundation Board and the TDI Board of Associates.LinkedIn: linkedin.com/in/csoukupSupport Our SponsorsOur generous sponsors make our work possible, serving impact investors, social entrepreneurs, community builders and diverse founders. Today's advertisers include PurposeBuilt100™ Winners and supercrowd.tv. Learn more about advertising with us here.Max-Impact Members(We're grateful for every one of these community champions who make this work possible.)Brian Christie, Brainsy | Cameron Neil, Lend For Good | Carol Fineagan, Independent Consultant | Eric Coury, Arthia AI | John Berlet, CORE Tax Deeds, LLC. | Justin Starbird, The Aebli Group | Ken Steele, Rotarian | Lory Moore, Lory Moore Law | Marcia Brinton, High Desert Gear | Mark Grimes, Networked Enterprise Development | Mike Babbit | Coledger Solutions | Mike Green, Envirosult | Nick Degnan, Unlimit Ventures | Paul Lovejoy, Stakeholder Enterprise | Pearl Wright, Global Changemaker | Scott Thorpe, Philanthropist | Sharon Samjitsingh, Health Care Originals | Add Your Name HereUpcoming SuperCrowd Event CalendarIf a location is not noted, the events below are virtual.Join the SuperCrowd Impact League! You can be recognized for making impact investments via Reg CF. See how your activity compares to your peers. It's free. Win valuable prizes. Start now!SuperCrowd Impact Member Networking Session: Impact (and, of course, Max-Impact) Members of the SuperCrowd are invited to a private networking session on September 8th at 8:00 PM ET/5:00 PM PT. Mark your calendar. We'll send private emails to Impact Members with registration details. Upgrade to Impact Membership today!SuperCrowd26 featuring PurposeBuilt100™: This August 25–27, founders, investors, and ecosystem leaders will gather for a three-day, broadcast-quality global experience focused on disciplined capital formation, regulated investment crowdfunding, and purpose-driven growth. We're bringing together leading voices in impact investing, compliance, digital marketing, and circular economy innovation to deliver practical frameworks, real-world case studies, and actionable strategies. The event culminates in the PurposeBuilt100™ Showcase, recognizing 100 of the fastest-growing purpose-driven companies in the U.S. Register now to secure your seat and get all the details. August 25–27, streaming worldwide.Visit Our Complete Community Event CalendarIf you would like to submit an event for us to share with the 10,000+ changemakers, investors and entrepreneurs who are members of the SuperCrowd, click here.Manage the volume of emails you receive from us by clicking here.We share educational information—not investment advice. Some links may generate compensation. See our full disclosure.We use AI to help us write compelling recaps of each episode. Get full access to Superpowers for Good at www.superpowers4good.com/subscribe

John Festervand, a higher education advancement professional and executive producer of the documentary An Open Door, joins the podcast to talk about storytelling as a skill for every higher ed professional --not just those in marketing or communications. Building on his experience producing a documentary about Dr. Temple Grandin and years of donor engagement, he shares how to identify and elevate the stories happening on campus, why storytelling is central to leadership and advocacy, and how job seekers can use it to stand out in cover letters and interviews. 

Greg David, contributor covering fiscal and economic issues for THE CITY and director of the business and economics reporting program and Ravitch Fiscal Reporting Program at the Newmark Graduate School of Journalism, and Nancy Jiang, journalism student and summer intern for The City Reporter, talk about the effects of NYC's "K-shaped" economy, with growing numbers of the very wealthy and the people qualifying for SNAP benefits. Plus, Greg explains the current turmoil in the bond market. Photo: An EBT sign is displayed on the window of a grocery store on October 30, 2025 in the Flatbush neighborhood of the Brooklyn borough in New York City. (Michael M. Santiago/Getty Images) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

A masterclass on leadership, legacy, and succession. With Ron Solish (CEO) and Steve Sallen (CFO) of Maddin Hauser. --- STEVEN ("STEVE") D. SALLEN joined Maddin Hauser as a law clerk in 1983. He served as the firm's president and CEO for fifteen years and is currently the CFO. Steve earned his undergraduate degree from the University of Michigan and his law degree, cum laude, from the University of Detroit School of Law. There he served as Case and Comment Editor of the University of Detroit Law Review. Steve concentrates his practice in the areas of real estate law, environmental law, and corporate law. His clients include some of Michigan's most successful manufacturing firms, real estate developers, general contractors, and commercial real estate brokers. He also heads the firm's Environmental Law group and is co-chair of the Real Estate group. Read more about Steve Sallen --- RONALD (RON) A. SOLLISH, shareholder, is the firm president and CEO, and chairman of the Corporate and Employment practice groups. He specializes in employment, real estate, partnership, finance, corporate, and business law. A frequent speaker on legal topics, Ron has addressed such groups as the Michigan Chamber of Commerce, the Michigan Association of Certified Public Accountants, and American Society for Industrial Security. Ron is licensed to practice law in Michigan and is a member of the American Bar Association, State Bar of Michigan, and Oakland County Bar Association. Read more about Ron Sollish   Connect with Jon Dwoskin: Twitter: @jdwoskin Facebook: https://www.facebook.com/jonathan.dwoskin Instagram: https://www.instagram.com/thejondwoskinexperience/ Website: https://jondwoskin.com/LinkedIn: https://www.linkedin.com/in/jondwoskin/ Email: jon@jondwoskin.com Get Jon's Book: The Think Big Movement: Grow your business big. Very Big! Connect with Steve Sallen and Ron Sollish: Steve Sallen: https://www.maddinhauser.com/people/steven-d-sallen  Ron Sollish: https://www.maddinhauser.com/people/ronald-a-sollish  Maddin Hauser: https://www.maddinhauser.com  Facebook: https://www.facebook.com/MaddinHauser  Twitter: https://twitter.com/MaddinHauserPC  LinkedIn: https://www.linkedin.com/company/maddin-hauser-roth-and-heller-pc  YouTube: https://www.youtube.com/@maddinhauserlaw  *E - explicit language may be used in this podcast.

Why are so many workers—blue-collar, white-collar, contract, freelance, and college-educated alike—feeling like the old bargain has broken down? Today, Paul Osterman, author of Disposable Workers: The Transformation of Employment, explains how companies increasingly rely on workers without taking responsibility for them. Then New York Times reporter Noam Scheiber, author of Mutiny: The Rise and Revolt of the College-Educated Working Class, looks at a generation of graduates who did everything “right” only to find that college no longer guarantees security, mobility, or meaningful work.

The news of Texas covered today includes:Our Lone Star story of the day: “God is not a Christian!” proclaimed Little Jimmy “The Creep” Talarico in a sermon delivered to his apostasy-riddled church in Austin. Not only was he overtly leftwing political in the sermon, he was repeatedly heretical event to the point of saying Christians are in fellowship with pagans and atheists.Our Lone Star story of the day is sponsored by Allied Compliance Services providing the best service in DOT, business and personal drug and alcohol testing since 1995.Texas oil and gas drilling rig count rises this week.Texas unemployment rate at 4.5 percent in July; Texas leading the nation in job creation.Scurry County judge elect, Russell Wall, accused of child sex crimes. This is undoubtedly political skullduggery from the social set of the incumbent county judge who Wall beat in the GOP primary, Dan Hicks. It is reported to me that the Scurry Co. Republican Party chairman is saying Hicks should be put on the ballot by the executive committee as he came in second – with no regard to a known incumbent being thrown out by GOP voters. Also, it has been reported to me at the judge who signed the arrest warrant is Dana Cooley who is married to Dan Hick's son (this has not been independently verified by me.)Carla Wyatt, embattled Democrat Harris County treasurer, to receive 30% raise!Texas Tech Health Sciences Center Billed Feds for ‘Sex-Rejection' Treatments on Minors.Former Texas Lottery Boss Finally Appears in Court over $95 Million ScandalListen on the radio, or station stream, at 5pm Central. Click for our radio and streaming affiliates.www.PrattonTexas.com

Aubrey Masango is joined by Anthea Whitehead, Cape Town Campus Manager at Richfield, to discuss what it really takes to be employable today. Is your degree enough, or are skills, experience and proof of what you can do what employers are looking for now? Tags: 702, Aubrey Masango show, Aubrey Masango, Education Matters, Anthea Whitehead, Degree, Qualification, Soft skills, Work experience, Networking, Unemployment The Aubrey Masango Show is presented by late night radio broadcaster Aubrey Masango. Aubrey hosts in-depth interviews on controversial political issues and chats to experts offering life advice and guidance in areas of psychology, personal finance and more. All Aubrey’s interviews are podcasted for you to catch-up and listen. Thank you for listening to this podcast from The Aubrey Masango Show. Listen live on weekdays between 20:00 and 24:00 (SA Time) to The Aubrey Masango Show broadcast on 702 https://buff.ly/gk3y0Kj and on CapeTalk between 20:00 and 21:00 (SA Time) https://buff.ly/NnFM3Nk Find out more about the show here https://buff.ly/lzyKCv0 and get all the catch-up podcasts https://buff.ly/rT6znsn Subscribe to the 702 and CapeTalk Daily and Weekly Newsletters https://buff.ly/v5mfet Follow us on social media: 702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

A mediator and HR leader shares how to ask the right questions when a restructure feels shrouded in secrecy, and how to rebuild trust while processing the disappointment. Staying professional, seeking support, and methodically planning next steps can help you move forward without burning bridges.

National Review Senior Editor Charles C.W. Cooke, who hosts the Charles C.W. Cooke Podcast, fills in for Jim on the Wednesday 3 Martini Lunch. Join Charlie and Greg as they dig into Kentucky Gov. Andy Beshear joining the left-wing chorus wanting to abolish the Electoral College, why fewer men are working now and what can be done to reverse it, a professor at Cal-Berkeley fed up with incoming students who are way behind on math, and a majority of Dems, independents, and Republicans favoring price controls.First, they rip. Gov. Beshear for failing to understand the the purpose of the Electoral College. Charlie and Greg also explain why scrapping it would be really bad, both for Kentucky and for Beshear's fledgling White House ambitions.Next, they wince at a New York Post editorial highlighting how men have fallen behind women in employment and that it's part of an ongoing trend, but it's one usually triggered by some shock like the financial crisis or the Covid pandemic. Charlie says we need to realize the economy doesn't look llike it did a couple of decades ago, and getting an accurate picture is a big step towards addressing the problem.Then, they applaud a University of California-Berkeley math professor for venting that many of her students are entering the school anywhere from five to eight years behind in math and that she has to take time to teach concepts they should have learned in middle school. The professor, as well as Charlie and Greg, point to admissions policies and other factors that distract schools from simply admitting the best of the best.Finally, they groan as a new poll shows a majority of Democrats, independents, and even Republicans all favor price controls. Charlie argues that many politicians are flat out lying about our current economic conditions and are convincing too many people of the wrong remedy.Please visit our great sponsors:Brooklyn Beddinghttps://BrooklynBedding.comGet 30% off sitewide Brooklyn Bedding with promo code 3ML. BetterHelphttps://betterhelp.com/3ML See the reviews, see what stands out, and see if BetterHelp is right for you. Noble Goldhttps://NobleGoldInvestments.com/3MLIf you want to see how physical gold and silver could fit into your portfolio, download Noble Gold Investments FREE Wealth Protection Kit.New episodes every weekday. 

New research has found two thirds of New Zealanders with an intellectual disability have never had a job - and this is not for lack of wanting one.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed, Dr. Sonia Lewis. Founder and CEO of The Student Loan Doctor, LLC, an award-winning company that helps individuals navigate student loan repayment and debt management. The conversation explores America's student loan crisis, the long-term impact of educational debt, financial literacy, entrepreneurship, and Dr. Lewis's journey from higher education professional to nationally recognized business owner. At its core, the interview is both a discussion about the realities of student loan debt and an entrepreneurial success story about identifying a major problem and building a business around solving it. Purpose of the Interview The interview was designed to: Educate listeners about the student loan debt crisis. Explain how student debt affects long-term financial success. Highlight the unique challenges facing African American borrowers, particularly women. Introduce solutions and resources for student loan repayment. Share Dr. Lewis's entrepreneurial journey and business-building strategies. Encourage financial literacy and informed borrowing decisions. Key Takeaways 1. Student Loan Debt Is a Systemic Problem Dr. Lewis argues that the student loan crisis begins with the cost of higher education itself. Key points include: Student loans are one of the few major financial products available without traditional underwriting standards. New borrowers continuously enter the system, making loan forgiveness alone an incomplete solution. The problem is tied directly to the growing cost of college education. Higher education and student lending have become interconnected industries with few structural solutions. Bottom Line: The challenge is not just repayment. It is the broader system that continues producing new debt every semester. 2. Student Debt Impacts Major Life Decisions One of the strongest themes throughout the interview is how student debt affects adulthood. Dr. Lewis explains that borrowers often don't fully understand the consequences until they begin trying to: Buy a home Build credit Get married Start a family Launch a business Create long-term wealth Many borrowers discover that large student loan balances significantly limit financial flexibility and delay major life milestones. 3. African American Women Carry a Disproportionate Burden Dr. Lewis has dedicated much of her career to studying how student loan debt impacts African American women. She notes that: African American women earn more college degrees than many demographic groups. They often carry some of the highest student loan balances. Educational attainment does not always translate into proportional wealth building. Student debt often delays homeownership, entrepreneurship, and family financial growth. This issue became a central motivation behind her work and the creation of her company. 4. The Student Loan Doctor Was Built by Solving a Real Problem Dr. Lewis launched her business after recognizing that borrowers were not receiving adequate guidance from loan servicers. She initially: Worked a full-time job in higher education. Met clients in cafes and community spaces after work. Charged modest consultation fees. Studied federal student loan regulations extensively. Built expertise through years of financial aid and higher education experience. Eventually demand exceeded her full-time salary, allowing her to transition into entrepreneurship. Entrepreneurial Lesson: Find a major problem, become an expert in solving it, and deliver consistent value. 5. Solving Problems Creates Business Opportunities A powerful business lesson from the interview is Dr. Lewis's belief that successful entrepreneurs place themselves in the middle of a significant problem. After publicly sharing that she was the first African American woman-owned student loan repayment company, her story went viral. This exposure led to: National media attention Increased public awareness Thousands of inquiries Significant business growth Her success demonstrates the value of owning a niche and becoming the go-to expert in that space. 6. Financial Literacy Starts at Home While colleges play a role in educating students about finances, Dr. Lewis believes financial literacy begins much earlier. She emphasizes: Parents should teach money management. Young adults often receive loan refunds without understanding budgeting. Many borrowers arrive at college without financial education. Borrowing decisions should be tied to future earning potential. Her View: Financial decision-making skills must be developed before students begin managing significant amounts of money. 7. Education Must Connect to Career Outcomes Another important takeaway is the need to think strategically about degrees and career paths. Dr. Lewis encourages students and families to consider: Return on investment. Career demand. Income potential. Employment opportunities. Degree marketability. She notes that many borrowers accumulate debt for degrees without fully understanding how those degrees translate into sustainable careers. 8. Teaching Builds Trust A major factor in Dr. Lewis's success has been education-based marketing. She regularly provides: Free workshops Online classes Community education events Financial literacy sessions By teaching first and selling second, she establishes credibility and trust with potential clients. Notable Quotes On the Student Loan Crisis "Unless we make it free, free 99, in the United States of America, this is a trillion-dollar problem that really doesn't have a solution." On Life After College "When you go to buy a home, they'll say, well, you already have a mortgage. We can't give you another one." On Entrepreneurship "When you are an entrepreneur, you want to put yourself in the middle of a big problem." On Her Business Growth "There was no me before. People were shying away from this conversation." On Supporting Borrowers "We get right into the solution." On Student Loan Shame "It's the thing that plays in the back of your mind when no one else is around." On Building a Business "I only want to talk about having student loans. That's my lane." On Success "God be showing up in places that I haven't made it to yet." On Leadership "You cannot be an entrepreneur, a good business owner, a good leader if you don't have discernment about people." On Personal Growth "I believe in mentorship. I believe in investing in myself." Executive Summary Dr. Sonia Lewis's interview is both a financial education discussion and an entrepreneurial masterclass. She highlights how student loan debt has become a long-term barrier to wealth creation, particularly for African American women, while providing practical insight into why borrowers struggle and how they can move forward. Equally important, she demonstrates how identifying a widespread problem, developing deep expertise, and consistently educating others can create a highly successful business. Her overarching message is that informed financial decisions, strong mentorship, continuous learning, and strategic problem-solving are essential for both personal and professional success. #STRAW #BEST #SHMS Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed, Dr. Sonia Lewis. Founder and CEO of The Student Loan Doctor, LLC, an award-winning company that helps individuals navigate student loan repayment and debt management. The conversation explores America's student loan crisis, the long-term impact of educational debt, financial literacy, entrepreneurship, and Dr. Lewis's journey from higher education professional to nationally recognized business owner. At its core, the interview is both a discussion about the realities of student loan debt and an entrepreneurial success story about identifying a major problem and building a business around solving it. Purpose of the Interview The interview was designed to: Educate listeners about the student loan debt crisis. Explain how student debt affects long-term financial success. Highlight the unique challenges facing African American borrowers, particularly women. Introduce solutions and resources for student loan repayment. Share Dr. Lewis's entrepreneurial journey and business-building strategies. Encourage financial literacy and informed borrowing decisions. Key Takeaways 1. Student Loan Debt Is a Systemic Problem Dr. Lewis argues that the student loan crisis begins with the cost of higher education itself. Key points include: Student loans are one of the few major financial products available without traditional underwriting standards. New borrowers continuously enter the system, making loan forgiveness alone an incomplete solution. The problem is tied directly to the growing cost of college education. Higher education and student lending have become interconnected industries with few structural solutions. Bottom Line: The challenge is not just repayment. It is the broader system that continues producing new debt every semester. 2. Student Debt Impacts Major Life Decisions One of the strongest themes throughout the interview is how student debt affects adulthood. Dr. Lewis explains that borrowers often don't fully understand the consequences until they begin trying to: Buy a home Build credit Get married Start a family Launch a business Create long-term wealth Many borrowers discover that large student loan balances significantly limit financial flexibility and delay major life milestones. 3. African American Women Carry a Disproportionate Burden Dr. Lewis has dedicated much of her career to studying how student loan debt impacts African American women. She notes that: African American women earn more college degrees than many demographic groups. They often carry some of the highest student loan balances. Educational attainment does not always translate into proportional wealth building. Student debt often delays homeownership, entrepreneurship, and family financial growth. This issue became a central motivation behind her work and the creation of her company. 4. The Student Loan Doctor Was Built by Solving a Real Problem Dr. Lewis launched her business after recognizing that borrowers were not receiving adequate guidance from loan servicers. She initially: Worked a full-time job in higher education. Met clients in cafes and community spaces after work. Charged modest consultation fees. Studied federal student loan regulations extensively. Built expertise through years of financial aid and higher education experience. Eventually demand exceeded her full-time salary, allowing her to transition into entrepreneurship. Entrepreneurial Lesson: Find a major problem, become an expert in solving it, and deliver consistent value. 5. Solving Problems Creates Business Opportunities A powerful business lesson from the interview is Dr. Lewis's belief that successful entrepreneurs place themselves in the middle of a significant problem. After publicly sharing that she was the first African American woman-owned student loan repayment company, her story went viral. This exposure led to: National media attention Increased public awareness Thousands of inquiries Significant business growth Her success demonstrates the value of owning a niche and becoming the go-to expert in that space. 6. Financial Literacy Starts at Home While colleges play a role in educating students about finances, Dr. Lewis believes financial literacy begins much earlier. She emphasizes: Parents should teach money management. Young adults often receive loan refunds without understanding budgeting. Many borrowers arrive at college without financial education. Borrowing decisions should be tied to future earning potential. Her View: Financial decision-making skills must be developed before students begin managing significant amounts of money. 7. Education Must Connect to Career Outcomes Another important takeaway is the need to think strategically about degrees and career paths. Dr. Lewis encourages students and families to consider: Return on investment. Career demand. Income potential. Employment opportunities. Degree marketability. She notes that many borrowers accumulate debt for degrees without fully understanding how those degrees translate into sustainable careers. 8. Teaching Builds Trust A major factor in Dr. Lewis's success has been education-based marketing. She regularly provides: Free workshops Online classes Community education events Financial literacy sessions By teaching first and selling second, she establishes credibility and trust with potential clients. Notable Quotes On the Student Loan Crisis "Unless we make it free, free 99, in the United States of America, this is a trillion-dollar problem that really doesn't have a solution." On Life After College "When you go to buy a home, they'll say, well, you already have a mortgage. We can't give you another one." On Entrepreneurship "When you are an entrepreneur, you want to put yourself in the middle of a big problem." On Her Business Growth "There was no me before. People were shying away from this conversation." On Supporting Borrowers "We get right into the solution." On Student Loan Shame "It's the thing that plays in the back of your mind when no one else is around." On Building a Business "I only want to talk about having student loans. That's my lane." On Success "God be showing up in places that I haven't made it to yet." On Leadership "You cannot be an entrepreneur, a good business owner, a good leader if you don't have discernment about people." On Personal Growth "I believe in mentorship. I believe in investing in myself." Executive Summary Dr. Sonia Lewis's interview is both a financial education discussion and an entrepreneurial masterclass. She highlights how student loan debt has become a long-term barrier to wealth creation, particularly for African American women, while providing practical insight into why borrowers struggle and how they can move forward. Equally important, she demonstrates how identifying a widespread problem, developing deep expertise, and consistently educating others can create a highly successful business. Her overarching message is that informed financial decisions, strong mentorship, continuous learning, and strategic problem-solving are essential for both personal and professional success. #STRAW #BEST #SHMS Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSee omnystudio.com/listener for privacy information.

We think this conversation could resonate with many of you .. because our next guest is keen to explain why hiring staff over the age of 50 is a good thing. Ian Fraser is the founder of Seniors at work, a job site for older people who are looking for work opportunities. We get lots of your messages saying ageism is alive and well in 2026, so are keen to hear what can be done to combat it.

Consumer sentiment remains at fifty year lows. The Reserve Bank has surveyed Australians to find out why. 

The $20 Burrito. Young American Generations Crippled Competing for Every Scarce Resource- Housing, Healthcare, Employment, Food and Even Burritos. Andrew Branca.   The Burrito War: A Battle of Realities & Narratives Who is right in the burrito war that has exploded over social media these last few days? Is it the Boomers who project their own lived experience to urge younger generations to just buckle down, put their nose to the grindstone, pull themselves up by their bootstraps, and everything will eventually be OK? Or is it those younger generations whose own lived experience is an ever-escalating cost of living driven primarily by an invasion of tens of millions of third-worlders competing for every scarce American resource—housing, healthcare, education, employment, infrastructure, food—even burritos!—and EVERYTHING ELSE? The answer is in a sense a dichotomy: They are BOTH right. AND it doesn't POLITICALLY matter. Watch this video at- https://www.youtube.com/live/N2E8K4bg3Qc?si=Kz8e7km4U_py55WP The Andrew Branca Show 292K subscribers 6,614 views Streamed live on Aug 7, 2026 #1403 Join me LIVE at Noon ET as I break it all down! Clarence Thomas x 9: Perfect SCOTUS Mugs! https://tinyurl.com/k778wj2k For complete Medicare guidance, dial (617) 644-0093 to speak with my trusted partner, Chapter. All @TheBrancaShow mugs & MORE! https://tinyurl.com/k778wj2k JOIN OUR COMMUNITY! Exclusive Members-only content & perks! Only ~17 cents/day! $5/month! YouTube: https://tinyurl.com/hn32rfz9 Locals: https://tinyurl.com/yck4w9kf FOUNDING FATHERS SPEED DIAL: Founding Fathers SPEED DIAL: https://tinyurl.com/3f7pc8nz TODAY's MEMBERS-ONLY SHOW: “DOJ Takes on Unconstitutional “Gun Roster” Infringement!” YouTube: https://tinyurl.com/2mvrjaxa Locals: https://tinyurl.com/mpwbbrb3

Annukka Svanda is a design researcher that has been working on service design in collaboration with the city of Espoo, in Finland. She is doing his doctoral studies in Aalto University. In this interview she tells us about the creation of a service in which she was involved to support highly educated immigrants in their search for jobs and about a future project on education. Employment services need a lot of design and care in countries like Finland where the unemployment rate of people with a foreign background was 16.7% in 2024. This interview was done as part of the Government Design Finland weekly meetings. The idea is that public servants, researchers, and practitioners can access these discussions later.You can read more on the service KoskeArticles by Annukka and her colleagues in Aalto University:Whom do we include and when? participatory design with vulnerable groupsIntentional Action at the Margins : Unpacking Agency in Public Service Ecosystem DesignThis interview is part of the lists: Immigration, Education and design, Design Research, Finland and Design, Service design, Finnish design in Public sector and Government Design. The lists are the way I have to organise the materials in this podcast.

Africa Melane speaks to Zwelinzima Vavi about South Africa’s latest unemployment figures and the state of the labour market. Presenter John Maytham is an actor and author-turned-talk radio veteran and seasoned journalist. His show serves a round-up of local and international news coupled with the latest in business, sport, traffic and weather. The host’s eclectic interests mean the program often surprises the audience with intriguing book reviews and inspiring interviews profiling artists. A daily highlight is Rapid Fire, just after 5:30pm. CapeTalk fans call in, to stump the presenter with their general knowledge questions. Another firm favourite is the humorous Thursday crossing with award-winning journalist Rebecca Davis, called “Plan B”. Thank you for listening to a podcast from Afternoon Drive with John Maytham Listen live on Primedia+ weekdays from 15:00 and 18:00 (SA Time) to Afternoon Drive with John Maytham broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/BSFy4Cn or find all the catch-up podcasts here https://buff.ly/n8nWt4x Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

In this special crossover episode of Hiring to Firing and The Consumer Finance Podcast, hosts Tracey Diamond and Emily Schifter shift from their usual format and team up with Taylor Gess as they map out obligations hiding in plain sight for multistate financial services employers. The conversation covers crafting a legally defensible employee handbook, pay transparency complexities, and wage and hour classification risks. Together, they deliver guidance for banks, fintechs, lenders, and card issuers operating across state lines, in addition to addressing the thorny intersection of earned wage access, remote workers, and the rapidly evolving assortment of AI hiring laws. It is the episode every financial services employer should hear before their next hire, expansion, or employment compliance review. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Keith explains why achieving scale rather than simply earning more is the key to long-term financial freedom and how income property uniquely delivers multiple forms of leverage.  He breaks down 25 years of inflation data to reveal which everyday costs have most outpaced wages and what that means for the real purchasing power of the dollar.  Keith also explains why markets like Memphis—combining strong cash flow fundamentals with a massive new AI infrastructure build-out—are positioned as compelling targets for long-term real estate investors. Episode Page: GetRichEducation.com/618 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Join Mid South Home Buyers' one-time, free live webinar featuring Keith Weinhold on September 30 at GetRichEducation.com/MidSouth to learn how Memphis' economic expansion could create new real estate investment opportunities, and have your questions answered in real time. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Keith Weinhold  0:01   Welcome to GRE. I'm your host Keith Weinhold. When I talk to a 25-year-old, it's an epiphany. When I tell them that they need this one thing that they're lacking, then some fascinating takeaways about the 93% inflation we've experienced in the past 25 years, and what you can do about it today on Get Rich Education. What if I told you that one of America's strongest cash flow real estate markets is also becoming the new brains and brawn behind AI? That city is Memphis, believe it or not. In September 30th, we're going to show you why the smart money is paying attention now, along with an investing opportunity you won't want to miss. Join me, Terry Kerr and Matthew Van Horn of Mid South Homebuyers, the largest turnkey company in Memphis with more than 6000 homes under management, for a free live webinar the likes of which I've never done before. We're going to look at what billions in new investment could mean for jobs, housing demand, neighborhood appreciation, and your portfolio. Everyone who attends live will also get exclusive access to the best deal terms Mid South has ever offered. Reserve your free seat at getricheducation.com/midsouth again, that's September 30th. Don't say we didn't tell you. Save your spot at getricheducation.com/midsouth.   Speaker 1  1:33   You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get Rich Education.   Keith Weinhold  1:49   Welcome to GRE from Livonia, Michigan, to Laconia, New Hampshire, and across 188 nations worldwide. You are listening to Get Rich Education. I'm your host, Keith Weinhold, heading up this slackjaw operation for another wealth-building week. But at least I'm just a slackjaw. If this slackjaw gets lockjaw, it would probably end the show. Now I've got to tell you, when I meet a 25-year-old, I soon tend to learn about their job because it takes a lot of their time, even if I don't ask them about it, and I find out that a 25-year-old is usually an employee of some sort. They're working for somebody else, depending on our conversational flow. I ask that person this question: Have you considered adding scale to your life? And they usually don't know what I mean. I ask that question because, sadly, today it's less common to live an economically vibrant life if you have a quote normal job like a teacher, engineer, retail manager, app developer, or other normal jobs like a firefighter, truck driver, physical therapist, or social media manager, that is not going to lead to an economically vibrant life with options and freedom. I mean, you used to be able to raise a family of four in New York City. That opportunity is just gone for anyone under a certain age. Well, what about say doctors, corporate executives, and attorneys, including some people that might be older than 25. I mean, professions like this can still pay exceptionally well. But even white-collar careers now have AI breathing down their necks. AI is drafting briefs, reading scans, and virtually attending meetings without pretending to enjoy them. Okay, well, what about the outcome for a 25-year-old that's gone along with the somewhat more nascent trend of rising AI sheltered trades like plumbing, electrical, HVAC, welding, carpentry, equipment repair, and these other types of jobs where ChatGPT can't crawl beneath your sink. Look, here's the thing: it doesn't matter whether you wear scrubs, a suit, or a tool belt. Employment has one stubborn limitation: even if you grind hard, even if your body holds up, even if promotions help you climb to the top of the corporate ladder, when you stop working, the income stops. That's the big problem, and yet people keep designing their life this way, employees lack scale. Now, what is scale? Scale is your ability to increase your wealth or income without increasing your personal time and effort at the same rate. Now, employees can find just a little scale. 401k contributions can compound for decades, sometimes with an employer match. Some employees receive stock compensation or bonuses, but employees generally sell one unit at a time. That unit is an hour. They're selling their hours for dollars, and here scale is limited, if not impossible. Real estate investors can stack several forms of scale simultaneously, and remarkably, doing it takes zero certification, zero qualification, no license, and no permission slip from the dean.   Keith Weinhold  6:05   The first way real estate investors have scale is through something that you already know so well: real estate pays five ways, leverage appreciation, 10 funded income, loan amortization, tax benefits on the entire asset, and inflation profiting on the bank's loan. Secondly, as a real estate investor, you have scale through operational leverage. Property managers, leasing agents, contractors, lenders, insurers, and software all allow just one investor, you, to control multiple properties. You don't personally collect every rent payment or replace every water heater. I mean, sheesh, that could be a plumbing career with less sleep. And this is all tenant funded. Thirdly, real estate investors have geographic leverage. An individual investor living in Los Angeles can own property in Atlanta, Tulsa, Cleveland, and Belize. Physical location does not limit where your capital works. Your body can only work in one city. Your capital can work the night shift in five. The fourth way real estate investors have scale is with replication. Once you learn how to buy and own one suitable rental, the process can be repeated. You buy, stabilize, finance, rent, and repeat. See, the first property is the hardest, and then your second property does not require learning an entirely new profession. It can be replicated. To review what you've learned so far, those are four dimensions where real estate investors achieve scale through real estate pays five ways: operational leverage, geographic leverage, and replication. Here's the important distinction: employees often mistake earning more with achieving scale.   Keith Weinhold  8:16   A surgeon making $900,000 a year earns a nice income, but see that surgeon has limited scale if the income stops when the surgeon stops working. But an investor earning just $150,000 from a portfolio possesses more scale because dozens of tenants, properties, loans, and operating systems continue functioning without your one-for-one labor. That's the distinction. That's why the $150K investor might or might not be living a better life than the 900K surgeon now, but they are set up to live a better life than the surgeon in the future. Now, your employer, the person who hires you, has scale with their many employees. But if you're an employee, you probably don't have scale. You cannot save your way to scale either. That's just stored labor. Savings become scalable only when you convert them into productive assets. Income is how much money comes in. Scale is how little your personal time needs to increase for more money to come in. You can work 20% more hours, but you cannot sustainably work 10 times more hours. Capital can be deployed across 10 assets without requiring 10 times more personal effort. And you know, once I realized this, at a certain point in my life, I was motivated to obtain loans for rental. This helped me scale and own more, replacing my active income with mostly passive income sooner. All right, so what should you do when you have this epiphany? It doesn't mean you should flip over the stupid copier machine as you storm out of work today and announce that you are now a real estate magnet. Not right away, at least employment that can be your launchpad, just like it was for me when I was a humble construction materials inspector for the state DOT. A job does provide you with some benefits like short-term advantages, seed capital, mortgage qualification.   Keith Weinhold  10:45   I'm talking about health insurance and some steady cash flow, and even some skills. But the mistake, whether you are aged 25 or 55, is allowing employment to remain the only economic engine for your entire life. Your job can fund your future, but having just one single linear income source that should not be your entire future. But you know, some people just stay on lazy cruise control at a slow speed and let their life unfurl that way. Others, you know, they merely haven't been exposed to thinking this way, and fortunately, now you have been. Really, the bottom line here is that labor won't scale; capital does scale; it compounds, and few, if any, investments offer more dimensions of scale than real estate. And you also get all kinds of other ancillary benefits by gradually tilting away from active income and toward passive income. Because increasingly, when it comes to taxes, you're going to pay lower capital gains tax rates instead of the higher ordinary income rates. The sooner you optimize this and get into as many properties as you can, you're also going to gain the ability to borrow against your assets tax-free, and so much more. Scale or fail-that's the lesson here, and most people fear change. It's why they stay stuck in relationships longer than they should, and why they stay stuck in jobs longer than they should. They keep settling for a B plus life. Don't settle for a B plus life. This is something that NYU professor Susie Welsh talks about: If you have a D life, oh, everything is lousy. You don't live where you want to live. You don't have reliable transportation. You don't have friends, and you're so very motivated to change that. If you have an A plus life, you've got it all. You get to do what you want to do, who you want to do it with, and you're tremendously incentivized to keep that. But having a B plus life like so many do, and being stuck in it, that is the most dangerous place to be. You could tread water for years and stay stuck in a life that you know you're not fully satisfied with, but it isn't so terrible that you feel compelled to change it. So the people that grow wealth know it means that sometimes you have to give up the good to have the great, and the K-shaped economic divergence that we've had in the past five years. This is really bringing things to a head, so get scale.   Keith Weinhold  13:43   Scale is the difference between grasping the financial abundance that's available to move you toward that A plus life, or staying on the treadmill, stuck and struggling. Two different people living a B plus life, you know, they have the same starting point, and making a plan is your difference maker. We help you with that here. If you're ready to add real estate scale to your financial life, drop a quick email to GRE Investment Coach Naresh for a complimentary strategy session at Naresh at getricheducation.com. You don't need any qualifications. It can take as little as a 20% down payment on a 200k to 400k rental property, and we have access so that you can buy directly from the builders and get a mortgage rate in the fives. And we are chasing the next hot thing here. Last week we discussed co-living on the show. We waited until that strategy was proven. I like strategies that have had some contact with reality. AI can compose a song, or summarize a meeting, or fabricate a photo of some. Wacky like Abraham Lincoln riding a dolphin, but it still cannot download an affordable bedroom, affordable housing. You're scaling into something sustainable that has a future and can't be easily disrupted by AI. Scale or fail. Stop settling for the B plus life. We can help right now at this moment. Drop a quick email to naresh@getricheducation.com. I should spell that out for you. It's n a r e s h@getricheducation.com.   Keith Weinhold  15:36   More straight ahead. I'm Keith Weinhold. You're listening to Get Rich education. What if you got your mortgage loans the same place I get mine? You sure can at Ridge Lending Group NMLS 42056. They provided GRE listeners with more loans than anyone because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal and even chat directly with President Caeli Ridge. While it's on your mind, start at ridgelendinggroup.com. That's ridgelendinggroup.com.   Keith Weinhold  16:13   Let me ask you something: If you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation. In full disclosure: I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed. But with a track record of consistent, on-time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call, or text family to 66866. That's family to 66866.   Chris Martenson  17:17   This is Peak Prosperity's Chris Martenson. Listen to Get rich education with Keith Weinhold, and don't quit your daydream.   Keith Weinhold  17:33   Welcome back to Get Rich Education. I'm your host Keith Weinhold. Having residual income from real estate, it can make you more comfortable for sure, but for me, I like to primarily use it to buy back my time. I'll tell you how I just did this. It's a small thing, a small win. It is time for my car's annual routine maintenance. Boring. I really don't want to lose my time dropping it off at the dealership in the morning and then picking it up again. Those two boring round trips don't add anything to my life. But the dealership had the option of, for just 100 bucks, picking it up for me and dropping it off for me at the end of the day. Oh well, that is an opportunity for me to buy some time, so that's why I did that. Now, when it comes to flying, sometimes I fly coach and sometimes first class. I just booked a flight and I refused to pay six times as much for first class. It just wasn't really worth it this time because the experience isn't that much better, and it sure doesn't save me any time. I tend to do that if the price is just 3x more, so I'll pay to save time, but not always to borrow a wider seat for five hours. And you and I both make hundreds of time versus money decisions every day, most of them small.   Keith Weinhold  19:04   With the more residual income you have, you're gonna make better decisions where you can choose the time over the money. One thing's for sure: whatever we're doing with our money, and that is that our dollar does not go as far as it used to. Let's look at inflation during the first 25 years of this century. This is really interesting. We're going to see how the cost of goods and services has changed from 2000 to the end of 2025 on some select categories that you spend on, and then I've got some mind-bending takeaways for you once I describe this chart, and this is the same chart that I sent to you last Thursday. If you are one of my newsletter readers, but I can open up and talk about it more here than I can in the newsletter because I keep that short. Overall inflation is about. 93% during this time period. 93% over these 25 years. Now, here are the items that rose less than that much, meaning that they became then more affordable over this span. What fell the most is the price of televisions down more than 90% in the first 25 years of this century? Toys down 74% Computer software down 73% Cell phones down 44% By the way, this all uses the government's CPI inflation rate, clothing up just one and a half percent, and even though it's up, that's still more affordable because it's up less than the overall 93% CPI inflation rate over this span. Household furnishings up 21% and finally new cars up 26% So all those items became more affordable because they rose less than the general rate of inflation. All right, moving on up. Now we're going to go above the line. Items above the 93% overall inflation rate, food and beverages were up 106% housing up 111% average hourly wages up 131% All right, let's pause. Yes, wages then outpacing 93% inflation. but of course, since that 93% uses the government CPI, well, that's pretty understated. Probably, you know, the true dispersing power of the dollar is probably more than 93% So it's debatable about whether there are real wage gains from 2000 to the end of 2025, medical care services up 147% Next in the category that has become less affordable is childcare, up 159% And as I'm naming these, there are some common threads here where I think you're going to have a few epiphanies when I point them out. College textbooks up 177%. Sheesh, what a scam! College tuition and fees up 197%, and finally the major category that became less affordable here at the top is the worst of all: hospital services. They have soared the most, up over 281% All right, there they are.   Keith Weinhold  22:57   And what takeaways do we have here? The items that became less affordable tend to be where the government either provides subsidies or they heavily regulate and mandate the product or service, like education, child care, and medical care. The categories that have become more affordable-that's where there is little or minimal government intervention, like clothing and technology. The lesson is that free market competition kept prices low, and some of these categories that became more affordable-you know-they would have become even more affordable than that if it weren't for profligate dollar printing, sadly, the items that have become less affordable-and this could really upset you-the items whose price increases exceed the overall rate of inflation, like medical care and housing, these are life's necessities. They are not once the stuff you need most got harder to obtain, healthcare is the ultimate example of this. It's sad to say, but you'll either pay the fee or you'll die, and the price reflects this. With hospital services up 281% outpacing the overall rate of inflation by about 3x. Also, items that have become more affordable, they are then generally the more discretionary purchases like furnishings, toys, and televisions. You can live without that stuff. Items that have become less affordable. They also tend to be more in-sourced activity, while those more affordable are outsourced, like to China. If you've noticed the trend, then anything involving people in the United States will be expensive, like child. Care and medical care. It involves people in the United States, and then it just gets more and more expensive. And this is also why service prices increase more and goods prices increase less. People are expensive.   Keith Weinhold  25:18   Microchips don't ask for dental insurance, and microchips don't file sexual harassment lawsuits. Overall, inflation was just 2.66% per year during this time period. But when it's compounded for this long, that's how it got to 93% cumulatively. But of course, inflation is higher than this 2.66 rate here in the late 2020s, and inflation is poised to rise even more than the level that it's at now. The war in Iran has pushed up energy prices 24% and these costs seep into almost everything, all right. But you're probably aware of this already, so I'm not going to discuss it much more because I discussed that before, like on episode 606, nearly two months ago when I called it our most important message in years, all right. But few seem to understand that this is just one part of a new inflation triple whammy. First, you've got spiking energy prices, like I mentioned. Second, more U.S. tariffs, and third, you've got mushrooming AI spending, and as a result of all this, this new inflation triple whammy that most people aren't aware of, this has pushed up bond yields to their highest point since 2007, and pressure is mounting for the Fed to jack up rates. Mortgage rates are soaring right along with them, and they are now near 7% Could mortgage rates reach 8% This is a real question now. The bottom line here is that inflation made the dollar lose nearly half its purchasing power in the first quarter century. Real asset owners will win, especially leveraged income property owners. This raises the property's replacement costs, spikes rents, and erodes your mortgage's real burden. Nearly everyone else is going to lose, and I don't want to lose a learning moment for you here. Bond yields-they are closely tied to what future mortgage rates are going to be. It's not about what the Fed does, and this is not as esoteric as some people think. This correlation between inflation, bond yields, and mortgage rates. Bonds pay a fixed interest rate long term.   Keith Weinhold  28:01   For example, the 10-year Treasury bond right now pays about 4.7% each year for the next 10 years. That's what that means. Now, would you lock in your investment for 10 years in order to get a 4.7% return? Well, if you were a conservative investor, maybe you would if you knew that inflation was only going to be 2% because then you'd be making about a 2.7% real return on your investment each year risk free. But if you expect inflation was going to be 5% over the next 10 years, oh well, then locking in a return of 4.7% means that you would lose real purchasing power every year. Investors don't want to lose money, so if investors expect that inflation is going to be higher, they will only buy bonds if they're paying higher amounts. And the bond market is telling us that as of today, investors expect at least 4.7% inflation over the next 10 years. If things change and they expect inflation to be higher than that, well, then bond yields will go up. If they expect inflation to decrease, for example, from a recession, bond yields will go down. So therefore, Treasury bonds are a true representation of investor inflation expectations and the movement of that bond yield-that is the number one factor that moves mortgage rates in that same direction. There's your explanation. That wasn't so hard. The market does not believe we're going to escape the Middle East war without substantial inflation or energy supply chain issues. That's what that means. Now, what else is going on in this era is the continuation of a reduction in the volume. Of housing transactions, fewer deals are happening. It had its recent peak of 6 million existing homes changing hands back in 2021. In 2022, it was 5 million, and it's been about 4 million transactions every year since. Now, as far as investor activity, just looking at that, for big investors, activity that's been sideways to a little down these past few years. But let's look at ourselves for smaller investors, mom and pop types, defined as those doing 10 or fewer deals per year, which probably includes you. You know, each of the past three years, activity has been up for smaller investors like you. You have gradually been purchasing more property, and this is as reported by realtor.com. Okay, what are the reasons for this?   Keith Weinhold  30:55   Well, back during the pandemic, you had to compete with owner-occupied buyers, that's when open house lines stretch down the block, and today there are fewer bidders in the room, and small investors are buying because builders are buying down your mortgage rate for you. That's another reason, and the source analysis it found that investors are sticking to affordable Midwest and Sun Belt markets that have strong rental demand. In fact, they're buying at least one out of every five homes in Memphis, Kansas City, St. Louis, Birmingham, and Oklahoma City. Real estate providers know that some prospective owner-occupant homeowners and even some investors-they won't buy anything at today's market mortgage rates, even though you and I know that these rates are historically normal. But providers-they need to stay in business. They need to keep turning things over. They need to sell property. They need to keep their people busy. They're not running museums here, so they're making sure that mortgage rate buydowns happen. And one of the most lucrative sources that I know about for investors is Mid South Homebuyers because they have investment property where the numbers work in Tennessee, Arkansas, and Texas with mortgage rates in the fives and a conventional loan with 25% down. A lot of their income properties cost under 200k, and these are quality homes in decent neighborhoods. I've physically walked inside many of them myself, not by drone, not with a virtual tour, not by AI, and not through some glossy brochure with suspiciously perfect lighting. The reason I'm telling you about this now is that this mortgage rate is one part of their limited triple five program. Here's what else we get as investors: a mortgage rate near 5% like I mentioned, and a 5% property management fee for five years. Though leverage has its benefits, if you decide to pay all cash instead, they provide you with the 5% property management for life, even if you finance later. I think they call that their forever five. Frankly, it's just amazing how many investors rave about the quality of their rehabs and say that their property management never seems to mess up in this industry. I mean, that is about as common as a calm political debate, or perhaps an airline actually improving legroom, and I have helped recommend Mid Health Homebuyers to our listeners for over 11 years. I know some followers that have looked at their available properties and scooped up three properties on one phone call. In fact, where they're based and have a lot of their available properties, Memphis. You know, Memphis has a story where I don't know if any other market in America can tell it right now. Do you know what's happening? Memphis is developing into having both the new brains and the brawn behind AI, and you got more smart money moving there now. Memphis is now home to the world's largest AI supercomputer. It's XAI's Colossus. It's now part of SpaceX. It's the biggest single-site AI facility on the entire planet. Anthropic is paying over a billion dollars a month to run Claude on it. Google just signed a deal worth up to 30 billion starting october 1, and I look forward to announcing that I have got a live event that I am co-hosting for you the day before this happens on september 30.   Keith Weinhold  34:56   So yes, that's the night before Google's money starts flowing. Into Memphis in one year, XAI became the second largest taxpayer in Memphis after FedEx, and the city has committed 25% of the property tax revenue from those sites to infrastructure in the surrounding neighborhoods. And when you add in FedEx, because Memphis already moves more physical goods than anywhere else in the country, you can see how Memphis is increasingly becoming the brains of the digital economy, while it's already been the brawn of the physical one. In every other market, you know they showcase things like their population growth and the rent-to-price ratios, and those attributes certainly matter, but now the fact that perhaps the biggest infrastructure story in America is happening in the most affordable major cash flow market—I mean, this is something that almost nobody has connected the dots on. So join me and my two co-hosts that lead Mid South Home Buyers.   Keith Weinhold  36:01   We're going to discuss market fundamentals, the AI build out, what it means for jobs, rent in neighborhoods over the next decade, and then a heavy live Q and A on Mid South. You're invited to join me. This is happening again on Wednesday, September 30th. It's at 8p.m. Eastern. Yes, you will have me live. Sign up at getricheducation.com/midsouth. It's a special event as Memphis is positioning to become both the brawn and brains of AI and a property provider that already makes a lot of sense for investors. Save your spot at getricheducation.com/midsouth. Until next week, I'm your host Keith Weinhold. Don't quit your daydream.   Speaker 2  36:54   Nothing on this show should be considered specific, personal, or professional advice. Please consult an appropriate tax, legal, real estate, financial, or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education LLC exclusively.    Keith Weinhold  37:22   The pre- program was brought to you by your home for wealth building, getricheducation.com

Preparation—not perfect timing—is what turns homeownership into long-term wealth.Many aspiring homeowners spend months—or even years—waiting for lower interest rates, a stronger credit score, or what they believe is the "perfect" time to buy. But what if waiting is the very thing keeping you from building wealth?In this episode of Exit Strategies Radio Show, Corwyn J. Melette welcomes Rich Hoffmann, Senior Vice President and National Sales Director at AD Mortgage, to explore the mortgage mistakes and financial misconceptions that often delay homeownership.Building on previous conversations about overcoming financial setbacks, this episode shifts the focus to what comes next: preparing wisely, understanding today's lending environment, and making confident decisions that support long-term financial success.With more than 33 years of mortgage banking experience, Rich shares practical guidance on improving your financial readiness, avoiding common mistakes before applying for a mortgage, understanding what lenders really look for, and why trying to perfectly time the housing market may actually cost you more in the long run.Whether you're buying your first home, preparing for your next purchase, or simply looking to make smarter financial decisions, this conversation provides practical insights to help you move forward with confidence.Legacy Building Takeaway:"The most successful homeowners typically don't wait for the perfect rate, the perfect market conditions, or even in a lot of cases, the perfect home. Instead, they focus on becoming financially prepared and making a sound long-term decision." — Rich HoffmanKey Takeaways:04:56 — The biggest misconceptions preventing qualified buyers from purchasing a home.07:27 — Financial habits to develop before talking with a lender.09:35 — Employment changes that could affect mortgage approval.12:46 — Why waiting for lower interest rates isn't always the smartest strategy.13:28 — "You marry the house, you date the rate."17:14 — Why financial literacy matters before you buy.23:04 — The first step every future homeowner should take before shopping for a house.Connect with Rich:Email Address:⁠ partnersupport@admortgage.comEmail Address:⁠ rich.hoffmann@admortgage.comConnect with Corwyn:Contact Number: 843-619-3005Instagram:⁠ https://www.instagram.com/exitstrategiesradioshow/⁠FB Page:⁠ https://www.facebook.com/exitstrategiessc/⁠Youtube:⁠ https://www.youtube.com/channel/UCxoSuynJd5c4qQ_eDXLJaZA⁠Website:⁠ https://www.exitstrategiesradioshow.com⁠Website: https://www.exitlowcountry.com/Linkedin:⁠ https://www.linkedin.com/in/cmelette/⁠Shoutout to our Sponsor: Mellifund Capital, LLCNeed funding for your next real estate flip or build? MelliFund Capital makes it fast, flexible, and investor-friendly. Visit MelliFundCapital.com and fund your future today. Again, that's MelliFundCapital.com, M-E-L-L-I-L-U-N-D, Capital.com.

With the launch of a new journal, the American Diabetes Association (ADA) is also launching a brand new podcast: The Points of CARE, the official podcast of Diabetes, Obesity, and CardioMetabolic CARE. Join hosts Richard Beaser, MD and Jane Reusch, MD, as they highlight key research findings, clinical implications, and emerging themes across diabetes, obesity, and cardiometabolic health through interviews with journal authors and subject-matter experts. 1:15 Our hosts speak with Katherine R. Tuttle, MD, FASN, FACP, FNKF, Executive Director of Research at Providence Inland Northwest Health and a Professor of Medicine at the University of Washington School of Medicine. She is an author of the article "SGLT2 Inhibitors for the Primary Prevention of CKD in Type 2 Diabetes: A Systematic Review and Meta-analysis," available at doi.org/10.2337/doci26-0001. 8:50 Next, Richard introduces Alexander Turchin, MD, MS, Director of Informatics Research at the Division of Endocrinology at Brigham and Women's Hospital and Associate Professor of Medicine at Harvard Medical School. He is an author of "Trends in Diabetes Medications After Metformin in Patients at High Versus Moderate Cardiovascular Risk: The BESTMED Consortium 2014–2022," available for free at doi.org/10.2337/doc26-0027. 17:05 Richard and Jane highlight special material available in the latest issue of Diabetes, Obesity, and CardioMetabolic CARE. "Screening, Diagnosis, Evaluation, and Staging of Obesity in Adults: Standards of Care in Overweight and Obesity—2026," available for free at doi.org/10.2337/doci26-0003 "Employment and Diabetes: A Statement of the American Diabetes Association," available for free at doi.org/10.2337/doc25-0092. 23:40 Finally, Richard and Jane highlight some of their favorite articles from the July-August issue. Vidovic, et al. Behavior Modifications From CUT-DM, Including Lifestyle Modification and Self-Efficacy doi.org/10.2337/doc25-0093 Chan, et al. Pharmacist-Driven Pre-Visit Planning to Optimize Prescribing in Type 2 Diabetes doi.org/10.2337/doc26-0019 Bannuru, et al. RAAS Inhibitors for the Primary Prevention of CKD in Type 1 and Type 2 Diabetes: A Systematic Review and Meta-analysis doi.org/10.2337/doci25-0014 Dimentstein, et al. Goals of Care Among Caregivers of Youths With Type 1 Diabetes doi.org/10.2337/doc26-0035 To learn more about Diabetes, Obesity, and CardioMetabolic CARE please visit diabetesjournals.org/docm-care. Thank you for listening, and don't forget to subscribe.

There was nothing redeeming in the July jobs report, and the podcast crew covered all the pain points: weak job gains, downward revisions, fewer hours worked, slowing wage growth, and a worrisome drop in labor force participation. Fittingly, we had to battle through our own painful series of technical problems while recording - curious whether you'll notice. Hosts: Mark Zandi – Chief Economist, Moody's Analytics, Cris deRitis – Deputy Chief Economist, Moody's Analytics, and Marisa DiNatale – Senior Director - Head of Global Forecasting, Moody's Analytics Follow Mark Zandi on 'X' and BlueSky @MarkZandi, Cris deRitis on LinkedIn, and Marisa DiNatale on LinkedIn Questions or Comments, please email us at InsideEconomics@moodys.com. We would love to hear from you. To stay informed and follow the insights of Moody's Analytics economists, visit Economic View. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The US saw a weaker market after losing 23,000 jobs in July and it's figures are much worse than expected. We'll be hearing why the American economy isn't creating more jobs.Plus, could oil be the saviour of Venezuela's economic needs? As the conflict in the Middle East continues to choke global supplies, Venezuela has a unique opportunity to gain market share and investment through having the world's largest reserves.And, Wetherspoons, a large pub chain in the UK has banned Meta's smart glasses which allows the wearer to film what they're looking at, sometimes without the subject's knowledge. We hear from a bar owner who's followed suit for their customers' privacy.

Travel broadens the mind. So the Voxtalks visits a conference, we find the most interesting research from economists just starting out, and hand three of them a microphone. Ad that is today's episode, recorded at the CEPR Paris School of Economics Policy Forum 2026.Listen to hear three findings that undercut conventional wisdom. Guido Lamarmora (University of Nottingham) argues that the usual policy prescription for developing economies that want to industrialise of raising agricultural productivity can deepen their reliance on farming rather than break it. Costanza Tomaselli (Imperial College London) studies what an energy price shock in Mexico does to employment: she finds that firms without access to credit hire rather than fire. Mushegh Tovmasyan (University of Paris-Saclay) follows Armenia after Russia was sanctioned in 2022, where trade doubled but the gains went to incumbents and their workers, not to new firms.The research behind this episode:Lamarmora, Guido. 2026. "The Food Problem in an Open Economy." Tomaselli, Costanza, and Armando Rangel Colina. 2026. "Energy Shocks, Employment Response, and Heterogeneous Credit Access." Tovmasyan, Mushegh. 2026. "Trade and Firm-Level Adjustments to Geopolitical Shifts: Evidence from Armenia." To cite this episode:Phillips, Tim, Guido Lamarmora, Costanza Tomaselli, and Mushegh Tovmasyan. 2026. "The Next Generation: PSE 2026." VoxTalks Economics (podcast).About the guestsGuido Lamarmora is completing his PhD at the University of Nottingham, with research on international trade, macro development, and structural transformation. Soon you will find him at Johannes Gutenberg University Mainz as a postdoc.Costanza Tomaselli is a PhD candidate at Imperial College Business School, with research spanning financial economics, industrial organisation, and energy economics.Mushegh Tovmasyan is a PhD candidate at University Paris-Saclay, RITM, with research spanning international trade, sanctions, and firm and worker outcomes, built on newly accessible Armenian administrative microdata.Research cited in this episodeThe food problem. The long-standing account of why poor countries keep so many workers in agriculture; households spend most of their income on food, and low farm productivity means many workers are needed just to feed the population. Lamarmora's point is that the standard fix, raising farm productivity or opening to trade, need not hold once you model the economy as open and put land into the picture.Land as a fixed factor. Agriculture uses land, which is fixed, as well as labour. Ignore it and a country with many workers per hectare looks unproductive when it is not. Once land is accounted for, low-income countries turn out to have relatively high agricultural productivity, which flips the conventional diagnosis.Input-output linkages. Industry is wired into the rest of the economy through supply chains, so a rise in industrial productivity or cheaper industrial imports lowers costs everywhere, including on the farm. In Lamarmora's estimates the gains from industry run roughly twice those from raising agricultural productivity.Storm Uri. The February 2021 winter storm that damaged the natural gas pipeline supplying Mexico's electricity, producing a sharp and spatially uneven jump in power prices. Tomaselli uses distance to gas-fired capacity as the source of variation to isolate the labour-market effect of an energy shock.Credit access as a shock absorber. Mexico gave firms no fiscal support after the shock, which let Tomaselli see what finance alone can do. Firms with credit did not change production or employment; they borrowed to smooth the shock. The suggestive model implication is that easing credit frictions could do the work of a blanket energy subsidy at lower cost to the public purse.Sanctions and the neutral economy. Sanctions destroy trade between the sanctioning and target countries but open opportunities for neutrals. Armenia, a landlocked transition economy with trade near 100% of GDP and Russia as its largest partner, saw trade double to triple after 2022. Tovmasyan uses Armenian customs and matched employer-employee microdata to ask whether this is new production, rerouting, or just higher prices.Incumbent-led intermediation. The trade boom was driven by existing large firms scaling up relationships and adding sanctioned goods such as electronics and machinery, not by broad new entry. Employment barely moved; gains showed up as more hours and higher wages for existing workers, which Tovmasyan reads as intermediation rents shared with labour.More VoxTalks Economics episodesPrevious next generations:Paris 25: Ali Bakhtawar, Lucie Giorgi, and Alishuba Philip discuss Lawfare, single sex schooling, and slum clearance.PSE 25: Pelin Ozgul, Deepakshi Singh, and Nathan Vieira on AI in call centres, female employment in India, and short-time work in Europe.Paris 24: Laura Arnemann, Gustavo Julio García Bernal, and Matyas Molnar tall Tim about performance-related pay, intergenerational wealth, and international exhibitions. PSE 24: Alice Chiocchetti, Yuan Hu, and Christoph Semken describe their research on profit-shifting, green tech, and the effect of changing to a greener lifestyle.Follow VoxTalks to discover more of yesterday's stars of tomorrow. 

When was the last time you took a day off? Went on vacation? Gave yourself an extra-long weekend? If it's been a while, well, you're not alone.  A recent survey showed that 4 in 10 Canadians aren't using all the personal time off they're allowed from their job. And in doing so, essentially giving themselves a pay-cut, otherwise known as paying the "time-off tax." It's certainly not that people don't like vacations, so why aren't people taking full advantage of all the time they can get?   Host Catherine Jette is speaking with Emily Durham, author and host of the careers podcast "Clock In", about time-off tax, the workplace cultures that can cultivate it, how employers can actually lose out too, and more.  "Clock In" with Emily Durham can be found here: https://podcasts.apple.com/ca/podcast/clock-in-with-emily-durham/id1505520809 We love feedback at The Big Story, as well as suggestions for future episodes. You can find us:Through email at hello@thebigstorypodcast.ca Or @thebigstory.bsky.social on Bluesky Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode, we explore how artificial intelligence is transforming power, accountability, and trust inside organisations. From algorithmic hiring and performance management to the legal risks of "shadow AI" and workplace surveillance, we discuss what businesses need to understand as AI increasingly shapes employment decisions.We discuss:How far AI has already moved into hiring, performance management, and employment decisionsWhether our legal systems and employment frameworks are prepared for accelerating AI capabilityWhat "human in the loop" really means, and the legal risks when it's missingReal-world litigation, including the Workday hiring-discrimination lawsuit and a Delaware Chancery case over an AI-influenced business decisionShadow AI: why employees bring their own AI tools to work, and what that exposes about leadershipWhere to draw the line between legitimate monitoring and excessive surveillanceWho inside an organisation should own AI-related employment risk — the board, HR, Legal, IT, or the CEOPractical steps every business leader should prioritise over the next 12 monthsAbout the guest: Andrew Adams is Practice Leader of the Labor & Employment Practice Group at DarrowEverett LLP, where he also serves on the firm's Business Litigation & Alternative Dispute Resolution and Regulatory & Compliance practice groups. He advises clients ranging from small businesses to multinational corporations on employment litigation, regulatory compliance, workplace investigations, and government enforcement, and regularly provides training on employment law and compliance issues. About the host: Dominic Bowen is Head of Strategic Advisory and Partner at one of Europe's leading risk management consulting firms. He advises CEOs, boards, and senior executives on crisis management, geopolitical risk, operational resilience, and strategy, drawing on decades of experience across government, humanitarian operations, and corporate leadership.Subscribe for new episodes every weekTell us what you thought in the comments belowShare this episode with colleagues working in employment law, HR, risk management, and corporate governanceSee more at www.theinternationalriskpodcast.com#ArtificialIntelligence #EmploymentLaw #WorkplaceAI #HR #RiskManagement #CorporateGovernance #ShadowAI #EmploymentRisk #FutureOfWork #InternationalRiskPodcastTell us what you liked!

In a world racing toward smarter machines, empathy speakers and authors Rob Volpe and Maria Ross get curious in this limited subseries about what only humans can feel, do, and be — and why that's our greatest competitive advantage. Enjoy this limited subseries here on The Empathy Edge.Synthesis, Contradictions & What We Actually Want to ProtectRob and Maria started this subseries with a single question: What does it mean to be human? Six episodes later, we don't have a tidy answer. And that might be the most human thing of all.In this final episode, we pull the threads together across everything we explored: consciousness, mortality, emotion, aspiration, and morality, and wrestle with what we actually want to protect as AI becomes more woven into daily life.We share an experiment we ran in real-time, asking AI directly whether it can imagine something that has never existed before. The response was surprisingly nuanced.We close with a provocation from Madonna's new album Confessions II for what it says about creativity, individuality, and what only a human can bring to the world. And our call to action for listeners as they move forward in this brave new world.To access the episode transcript, go to www.TheEmpathyEdge.com and search by episode title."AI knows most things that have existed, and therefore can draw on that and summarize and give you different ways to think about it. It's up to us to create something new to build beyond it." — Rob VolpeEpisode References:MIT Sloan: Five Human Capabilities That Complement AINitasha Tiku, The Washington Post: “They built the world's most powerful AI. They're facing a mystery they can't solve.” July 1, 2026: wapo.st/4p7h0EJ Zeynep Tufekci, New York Times Opinion on AI and Employment, June 30, 2026: nytimes.com/2026/06/30/opinion/ai-agents-steal-jobs-employment.htmlBBC: Anthropic hires AI psychiatry team to probe inner states of its models: bbc.com/news/articles/c62n410w5ynoMoltbook: AI agents complaining about humans: moltbook.comDocumentary: How I Became an ApocaloptimistMadonna, Confessions II (Warner Records, July 3, 2026): open.spotify.com/prerelease/4ycSWVO8qE6auKr9LTStuCThe Empathy Edge Podcast: Dr. David Bray: From Bioterrorism to AI - Why Empathy is Your Best Strategy in a Chaotic WorldAbout Maria Ross:Maria Ross is a speaker, author, empathy strategist, and host of The Empathy Edge podcast, now in its sixth year. She believes cash flow, creativity, and compassion are not mutually exclusive™, and has spent decades helping leaders balance empathy with accountability to drive better results, stronger teams, and lasting impact. She is the author of four books, including the award-winning The Empathy Dilemma, a Forbes.com contributor on Workplace Empathy, and creator of two LinkedIn Learning empathy courses.About Rob Volpe:Rob Volpe is the Founder/CEO of Empathy Activist and the creator of The 5 Steps to Empathy, which he chronicles in his award-winning book Tell Me More About That: Solving the Empathy Crisis One Conversation at a Time. He is a recognized thought leader, speaker, and consultant in the improvement of communication and collaboration in organizations of all sizes in all industries.Connect with Rob:Website: robvolpe.expertBook: Tell Me More About That: Solving the Empathy Crisis One ConversationX: x.com/rmvolpeLinkedIn: linkedin.com/in/rmvolpeFacebook: facebook.com/EmpathyActivistInstagram: instagram.com/empathy_activistConnect with Maria:Get Maria's books: Red-Slice.com/booksHire Maria to speak: Red-Slice.com/Speaker-Maria-RossTake the LinkedIn Learning Courses! Leading with Empathy and Balancing Empathy, Accountability, and Results as a LeaderLinkedIn: Maria RossInstagram: @redslicemariaFacebook: Red Slice

In South Dakota, if you want to get to work, you usually need a reliable vehicle. Lee Strubinger looked into how high fuel prices, auto loan interest rates, insurance premiums, and public transit routes impact Rapid City residents.

FOX Business anchor and co-host of The Big Money Show Taylor Riggs joins Marc Cox and Kim St. Onge to break down the latest ADP employment report. Riggs details private-sector job growth data, describing a "low-hire, low-fire" environment while highlighting strength in manufacturing indicators. She addresses workforce participation dynamics among working-age men, arguing that technical trade credentials and vocational training programs are outperforming traditional four-year degrees. Riggs concludes by evaluating presidential rhetoric directed at energy company profit margins, asserting that dividend distribution mechanisms and free-market pricing structures protect shareholder investments better than federal intervention. Hashtags: #TaylorRiggs #FoxBusiness #BigMoneyShow #LaborMarket #ADPReport #FreeMarket #EnergySector

The Salvation Army is seeing greater numbers of young people turn to them for help - as today's unemployment figures show nearly 96,000 aren't in jobs, education or training. The NEET rate for 15 to 24 year olds is now at 13.8 percent. Unemployment has risen to an 11 year high of 5.6 percent. Salvation Army Principal Policy Analyst, Paul Barber spoke to Melissa Chan-Green.

This summer, we're revisiting some of Hina and Marla's greatest hits from the first 11 seasons of The LowDOWN. On Season 6, Episode 6 of The LowDOWN: A Down Syndrome Podcast, Jason Konowalchuk and Aja Masters give us the lowdown on finding a job as a person with Down syndrome.Support the showThe LowDOWN: A Down Syndrome Podcast is produced by the Down Syndrome Resource Foundation. Learn more and support the podcast at DSRF.org.Follow @DSRFCanada on Facebook, Instagram, and Twitter.Leave us a rating and review on Apple Podcasts.

People looking for work are increasingly turning to artificial intelligence to help apply for more jobs. With unemployment at its highest level in 11 years, competition is tough. Sarah White from Tribe Recruitment spoke to Ingrid Hipkiss.

An economist says political parties should look to give the Commerce Commission more firepower in an effort to boost competition and wages. It comes as unemployment hits an 11-year high, and an IPSOS poll shows National is no longer the party most trusted to manage the economy. Political reporter Russell Palmer reports.

The unemployment rate has risen to 5.6 percent, the highest it's been since September 2015. Despite decades of experience in human resources, and despite a desperation to work, Sheryl has struggled to even get a response to many of her applications. She spoke to John Campbell.

While the overall unemployment rate was at its highest in 11 years, for those aged between 20 and 24,the number was even higher. Independent journalist, economics commentator, and editor of The Kaka, Bernard Hickey spoke to John Campbell.

The realities of looking for work as unemployment rises; Consumer boss discusses Foodstuffs SI Com Com court action; Paul Goldsmith discusses justice ministry review; Winetopia founder Rob Elliott speaks to John Campbell

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcast Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Cassandra Lester.

The Portland-based organization Stone Soup hosts a twelve-week culinary education training for individuals that have had significant employment barriers, whether that be experiences with substance abuse, gaps in work experience, lack of access to resources or housing, or other systemic obstacles. The program works to equip those participants with skills to enter the food service industry.   The organization was founded in 2018, and its community kitchen program also provides meals to senior care communities, schools, mental health facilities and shelters, some of which are cooked by those participating in the culinary training program, and some of which are cooked by Stone Soup staff.    We’ll hear from the organization’s director, Ellen Damaschino, and one of the participants of the program, Mikey Barth, about the culinary training program, as well as the organization’s work to provide meals to community organizations.  

Today on Your Daily Chocolate, Patty interviews Andrea Ratfield, a Delta pilot, single mom, and founder/executive director of Hope Filled Cafe, a biblically rooted nonprofit in Minneapolis creating meaningful, sensory-friendly employment for young adults with autism and cognitive disabilities. Andrea shares how her son's diagnosis and a Delta airport tour program for families and adults with special needs revealed the “falling off the cliff” gap after age 22 and the 80–85% unemployment/underemployment rate for this population. She explains launching the nonprofit in late 2023, raising over $75,000, and operating a colorful, non-motorized mobile cafe serving organic smoothies, cold brew lattes, and simple treats staffed by team members with autism, cognitive disabilities, Down syndrome. Andrea discusses hands-on training, the biggest need being fundraising, hopes for a future brick-and-mortar cafe, and how faith, determination, and Lean Startup principles guide her work.Episode Highlights:00:00 Meet Andrea Ratfield02:07 Hope Filled Cafe Mission02:53 Airport Tours to Advocacy04:14 The 22 Cliff and Jobs Gap06:28 Calling and Launch Story08:13 Mobile Venue Menu09:53 Hiring Training Funding12:05 Heartwarming Impact Stories16:16 Faith and Resilience Roots19:06 From Government to Skies19:49 Post 9/11 Pilot Push20:35 Faith Driven Balance21:22 Co Parenting Logistics22:35 No Regrets FBI CIA23:01 Dark Times Stronger Faith24:18 Scaling the Cafe Mission26:05 Rapid Fire Favorites29:10 Chocolate Talk and Farewell31:16 Host Wrap Up 

A major change to how leave is calculated in workplaces has become law.  Employment law expert from Simpson Grierson, Bronwyn Heenan, explains the key changes.

The U.S. Forest Service says wildfires have burned nearly 73,000 acres in the U.S. and Canada. The agency says about 1,000 personnel are working on the fires, which are about 60 percent contained. Officials say crews are monitoring the Chub Fire southwest of Crane Lake and the Camp Fire northeast of Ely. They're also watching for new fires that may have started from recent lightning strikes.Minnesota economic development officials say the tax that funds the state's paid family and medical leave program will stay flat for 2027. The Department of Employment and Economic Development says the existing 0.88 percent payroll tax should be enough to cover claims next year. The tax is split between workers and employers. The department says 75,000 people have used the program so far this year, with benefits costing about $600 million.The Minnesota Department of Health says a large multistate outbreak of gastrointestinal illness caused by the cyclospora parasite has not been linked to Minnesota. Health officials say Minnesota has reported 98 cases of cyclosporiasis since early May, which is in line with what the state typically sees during the summer. The department says it is not observing any concerning trends. There is currently no indication that contaminated items tied to the outbreak were distributed in Minnesota.A St. Paul iron foundry is shutting down after years of pressure from community members and regulators. Northern Iron, in the Payne-Phalen neighborhood, has faced fines from the Minnesota Pollution Control Agency over excessive air pollution. Regulators took the foundry to court to try to revoke its permit. Northern Iron says uncertainty over whether it would be allowed to keep operating forced it to close, and foundry leaders say they plan to fully close the facility by the end of the year.

As Towards Employment celebrates its 50th anniversary, join the City Club and kick off the first annual Dignity of Work forum-a community conversation exploring the future of work, economic mobility, and the partnerships that create pathways to rewarding careers.rnrnAs Cleveland continues to adapt to changing labor markets and emerging industries, this conversation will offer timely insights into how workforce innovation can expand opportunity, strengthen businesses, and build a more inclusive regional economy.rnrnIn a moderated conversation, Jill Rizika will speak with Earl Buford, President of the Council for Adult and Experiential Learning (CAEL) and one of the nation's leading voices on workforce development, adult learning, and talent strategy. Together, they will explore how communities, businesses, educators, and workforce organizations can work together to ensure that every individual has access to meaningful work and opportunities for economic advancement.rnrnThis moment also serves as an opportunity to honor the legacy of Towards Employment's three transformational leaders-founder Soad Mansour, former Executive Director Walter Ginn, and retiring President & CEO Jill Rizika-whose collective leadership over the past five decades has helped thousands of Greater Cleveland residents overcome barriers to employment and build family-sustaining careers, while providing talent to our local businesses.

Plus: chip maker CXMT becomes the most valuable company listed in mainland China in its debut. And some U.S. companies plan to increase headcount despite AI fears. Imani Moise hosts. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This is a rerun of episode 331. In this episode, Dave and Jamison answer these questions: Listener ninjamonkey says, I am a new grad who is half a year into the role now at a very large company. Recently, a senior engineer on my team asked me to create a ticket for an infra team for a problem with a service. I provided logs and steps to reproduce the issue and did a health check before submitting. Right after, the manager of the team put me into a group chat with their team, asked why I created the ticket and told me to start doing my job and they can't debug for me. From these interactions and comments on the ticket, it feels the infra team will likely not work on the tickets I report or de-prioritize them. This has left me discouraged and hesitant. I will have to do lots of this kind of infrastructure work in the future. Additionally, one of the goals my manager set for me is to work with more external teams for the upcoming year. What do I do here? Do I tell my manager about these interactions? Do I tell my team lead, staff/seniors to swap out for different kind of story? I work for a small startup. I was the first employee other than the 2 founders. Being the first developer hired, naturally means I have the most knowledge about our application. I also have good organisational skills, which has led to me becoming and being referred to as the “Lead Developer”. I have recruited 2 of the 3 new developers, and have trained both of them and got them up to speed. At first I was pleased with the progression and was keen to grow into the position, and told the founders so. Since then, I have changed my mind, I don't want to be the lead - due to the following: The communication is absolutely pitiful. Any questions we ask of the founders we get about a 30% reply rate no matter the form of communication. We get poorly defined tasks and requirements The CTO will just blast through some of our features over the weekend and say here I fixed it for you I don't want to quit my job (just yet… its a comin though). I have actually discussed the above points with them, but I know these 2 founders will never change their ways. How do I tell them I just want to go back to being an Individual Contributor like my Employment contract states?

Today - remote work became essential during COVID, but could it be hurting your career now? While the benefits of working remotely are undeniable, new data shows that "out of sight, out of mind" is a dangerous reality in corporate America. Clark shares several things to consider if you want to protect your paycheck and position yourself for promotions. Also, a massive storm is brewing in the healthcare industry, and it is going to hit your wallet hard. The soaring cost of healthcare—driven heavily by hospital system monopolies in major metro areas—is pushing individual deductibles toward an estimated $15,000 and family deductibles past $30,000 by 2027. Clark explains everything you need to know - including another disadvantage in Advantage Plans.  Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the July 20, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark. WFH Benefits & Risks: Segment 1 Ask Clark: Segment 2 Health Insurance Update: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Working remotely could make you more vulnerable to a layoff than AI Scam Alert: How To Avoid Home Title Theft - Clark Howard Home Title Lock: Is It the Same As Home Title Insurance? Property Fraud Alert Are Missing Money Websites Legit? - Clark Howard Raisin Review: Can You Trust This Online Savings Marketplace? 16 of the Best High-Yield Online Savings Accounts in July 2026 Is Plaid Safe? 5 Things to Know Before Linking Your Bank Account  Searching for health insurance? Keep scrolling to avoid government impersonators How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion What Is a Secured Credit Card and How Does It Work? - Clark Howard Best Secured Credit Cards for 2026: Top Picks for Building or Repairing Credit Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices