Podcasts about Estimates

Estimates are that 10 to 15 percent of the American population have Irish Heritage.  And, this percentage is much higher in cities like Boston and Chicago.  Many people are exploring their Irish heritage through DNA testing and through travel. Our guest today, Jonathan Smyth, is the author of a book entitled Faith, Hope and Endurance,  … Continue reading "Interview With Irish Author Jonathan Smyth, The Cavan Diaspora and Insights Into Irish Heritage , Episode 124" The post Interview With Irish Author Jonathan Smyth, The Cavan Diaspora and Insights Into Irish Heritage , Episode 124 appeared first on Mark Fraley Podcast.

A New Zealand logistics company estimates war surcharges could add up to ten million US dollars to its monthly freight costs. The Hormuz strait a vital shipping lane between Iran and Oman is current closed. Iran's threatening to bomb any ships trying to pass through the narrow strip of water. Kotahi co-ordinates the ships various New Zealand exports including dairy and meat to the region. It has thousands of containers literally at sea and it say freight companies are charging a per container premium for delivery. Kotahi chief executive Emma Parsons spoke to Lisa Owen.

SINGAPORE (ICIS)--Asia's naphtha inventories are rapidly depleting as the ongoing Middle East conflict disrupts crude flows through the Strait of Hormuz, a vital chokepoint through which around 20% of global crude supply passes.With crude oil exports from the Middle East constrained, naphtha resupply to Asia has tightened sharply. Estimates suggest Asian petrochemical producers are holding just two to three weeks of working inventory, raising concerns that prolonged disruption could trigger run cuts or even major shutdowns if replenishment fails to materialize.In this podcast, ICIS principle analyst Darryl Xu breaks down how the Middle East conflict is constraining naphtha availability to Asia, and the potential downstream impact on steam crackers across the region. US-Iran conflict disrupts Strait of Hormuz, preventing Middle East crude exports Asian producers adjust run rates to manage depleting naphtha inventories Middle East refiners face pressure to export amid limited product containment

Todd Miller and co-host Ryan Bell welcome Austin Rosenbaum of Demand IQ to discuss rapid changes in home improvement marketing and lead generation, focusing on pricing transparency and instant online estimates.Austin explains how Demand IQ evolved from a data-driven marketing agency into a software platform that helps contractors provide online budget estimates to qualify leads, reduce friction, and improve conversion. He describes contractor adoption challenges since 2019, noting increased interest in the past year, and outlines how COVID accelerated digital shopping behavior, especially among millennials and Gen Z.The episode highlights Google's new “online estimates” search filter and the risks of ignoring deep-funnel channels like Google and Meta. Austin shares results from a contractor case study, explains onboarding steps to rank for online estimates, and predicts AI agents will increasingly shop and gather quotes on homeowners' behalf.Timestamps00:00 Welcome and Intro00:47 Challenge Words Explained01:21 Marketing Is Changing Fast02:02 Meet Austin Rosenbaum02:32 Origin Story and Analytics04:23 Demand IQ and Instant Estimates07:22 Contractor Pushback on Pricing09:43 COVID and New Buyer Behavior12:18 Google Online Estimates Filter14:40 Risks of Old School Marketing16:21 What Homeowners Want First18:31 Case Studies and Use Cases20:58 Onboarding and Ranking Steps24:06 AI Agents and The Future26:29 Calculator vs Pricing Table30:32 Final Thoughts and Rapid Fire36:07 How to Connect With Austin37:40 Challenge Words and Wrap Up38:22 Closing Thanks and Sign OffConnect with Austin OnlineLinkedIn: https://www.linkedin.com/in/austinrosenbaum/Website: https://www.demand-iq.com/For more Construction Disruption, listen on Apple Podcasts or YouTubeConnect with us on Facebook, Instagram, or LinkedInThis episode was produced by Isaiah Industries, Inc.Construction Disruption was recently featured in this 15 Best Podcasts for Contractors list!This podcast uses the following third-party services for analysis: Podtrac - https://analytics.podtrac.com/privacy-policy-gdrp

Hour 3 - The largest missing portion appears to be from Corporate tax collections.

As Donald Trump and his Administration threaten to attack Iran, their motivations remain unclear. Does the President want to force Iran to make a nuclear deal, to replace the one that he scrapped in his first term, or is he really seeking regime change? To understand how this all might play out, David Remnick speaks with Karim Sadjadpour, a policy analyst at the Carnegie Endowment for International Peace, who writes about the Middle East for Foreign Affairs and other publications. Citing the disastrous precedents in Afghanistan and Iraq, Sadjadpour notes, “the last two decades has proven that we don't have the ability to dictate . . . who comes to power the day after a military attack.” Plus, After protests over the economy erupted across Iran late last year, reports emerged that the regime was killing protesters. Donald Trump threatened to intervene, but did not. Estimates vary widely, but some note that thirty thousand people or more may have been killed. Now, as the U.S. sends a huge military force to the Gulf, Iranians are waiting for war—and many in the country are in the shocking position of hoping for conflict, if it will end the Ayatollah's government. The reporter Cora Engelbrecht has been recording her conversations with sources on the ground about what that could mean. Their voices were altered or overdubbed for our story, to protect them from reprisal. New episodes of The New Yorker Radio Hour drop every Tuesday and Friday. Join host David Remnick as he discusses the latest in politics, news, and current events in conversation with political leaders, newsmakers, innovators, New Yorker staff writers, authors, actors, and musicians.

Florida Ag Commissioner announced preliminary estimates of losses to Florida agriculture from the recent freezes, and new research finds that adding red raspberries to a meal improved blood sugar responses and enhanced cognitive performance within hours.

Nvidia gave another bullish forecast for quarterly revenue. CEO Jensen Huang said the enterprise adoption of AI agents is skyrocketing. That suggests it's not just hyperscalers buying Nvidia's products, corporations are as well. Fiscal first-quarter sales will be about $78 billion, the chipmaker said in a statement Wednesday. Though the average Wall Street estimate was $72.8 billion, some analysts had projected numbers approaching $80 billion, according to data compiled by Bloomberg. To break down the latest earnings, we spoke to Daniel Newman, CEO at the Futurum Group. Plus - Asian shares climbed for a fourth day as recent turmoil sparked by concerns over the impact of artificial intelligence subsided, though gains were tempered by a muted response to Nvidia Corp.'s upbeat sales forecast. We heard from Kieran Calder, Head of Equity Research for Asia at UBP. He spoke to Bloomberg TV hosts Haidi Stroud-Watts and Shery Ahn.See omnystudio.com/listener for privacy information.

Singapore shares dipped today as investors continue to monitor earnings out of the country. The Straits Times Index was down 0.23% at 4,995.97 points at 12.36pm Singapore time, with a value turnover of S$1.10B seen in the broader market. In terms of counters to watch, we have AEM, after the semiconductor equipment maker posted a net profit of S$13.9 million for H2 FY2025, up 32 per cent from S$10.5 million the year before. Elsewhere, from how chipmaker Nvidia posted better-than-expected results for the January quarter and forecast current-quarter revenue above market estimates, to how Singapore firms delivered their biggest dividend haul yet in 2025, more corporate headlines remained in focus. On Market View, Money Matters’ finance presenter Chua Tian Tian dived into the details with Terence Wong, CEO, Azure Capital. See omnystudio.com/listener for privacy information.

From Wall Street to Main Street, the latest on the markets and what it means for your money. Updated regularly on weekdays, featuring CNBC expert analysis and sound from top business newsmakers. Anchored and reported by CNBC's Jessica Ettinger. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Capability Unboxed Mini Series (powered by CIAB+) #3Ever heard someone say, “We don't have the capability,” when what they really meant was, “We don't have the person”?In this episode of Capability Unboxed, Fatimah Abbouchi tackles one of the most persistent structural mistakes in organisations: equating capability with headcount. It sounds harmless — but it quietly fractures delivery, inflates estimates, and creates governance bloat.She resets the foundations by clearly separating capability from function, role, and capacity. Capability is the enduring what of the business. Functions are groupings. Roles carry accountability. Capacity is available effort. When those concepts blur, execution suffers.From restructures and portfolio planning to regulatory programs and new product development, this episode explores what really happens when capability is reduced to a person or team label. Delivery fragments at handoffs. Estimates inflate inside silos. Steering committees default to “who owns it?” instead of “what system enables it?” Governance grows heavier, not clearer.Fatimah shares a practical cross-functional model for anchoring capability properly — mapping it across outcomes, processes, tools, and data; assigning ownership for decisions; and planning capacity against capabilities rather than departments. The result is a more resilient system that holds steady even when leadership, teams, or priorities shift.If you're leading transformation, managing a portfolio, or trying to reduce rework and single points of failure, this episode gives you the language and structural clarity to re-anchor execution.

Stop being an available tradesman hoping someone picks you and start acting like a professional business owner. If you're still running all over town giving away your time and expertise for free, you're training people that your bandwidth has zero value. In this episode, Tom Reber breaks down why "common" is where profit goes to die and how to reclaim 20+ hours of your week by qualifying access to your brain.======================================Stop playing small with your profit. Join us on March 12-13 for Freedom Forge: Dallas.https://thecontractorfight.com/forge======================================== Rate the Podcast ==Help your fellow contractors find the podcast! Please leave a rating/review.Apple PodcastsSpotify

EV Cayman and Boxster Project on the Chopping Block Big news out of Stuttgart: Porsche has pulled the EV Cayman and Boxster from their configurator, and reports are surfacing that Porsche leadership held internal meetings to kill the project entirely. So is this a win or a loss? Our take: probably more win than loss. This was shaping up to be a failure to launch. The enthusiasm for an electric mid-engine Porsche was never really there from the core enthusiast base, and the market has been sending clear signals. Sometimes the best move is knowing when to walk away before you're too far in. The money lost hurts, but a forced launch that lands flat would've hurt the brand more. Magnus Walker Collection Heading to RM Sotheby's — No Reserve Magnus Walker is sending a significant portion of his collection to auction at RM Sotheby's, and the cars are listed with price estimates and—here's the key detail—no reserve. If you've spent any time in the auction world, you know how rare and how meaningful that is. It signals real commitment to sell. The cars we're watching most closely: the Minerva Blue 930 estimated at $175-200k, and the 996 GT2 at $125-150k—nearly 100k miles on it, but it's a GT2, and those don't come around often. Honorable mention to the 996 GT3 at $100-125k. Estimates feel fair across the board, but no reserve means the floor is the floor and the ceiling is whatever the room decides. Expect most of these to go higher, not lower. Fahren — Last Call, Spots Nearly Gone This is your final warning. Fahren spots are almost gone. If you're even remotely considering it, stop thinking and put your deposit in now to lock your spot. You can figure out the rest later. Don't be the person who waited too long and missed it. Head to pcartalk.com. Singer Drops a Wide Body Convertible Singer has built a wide body convertible, and this is a bigger deal than people may realize. Factory wide body drop tops were made in period—just not many of them. Singer's version brings all their engineering refinement along for the ride, including a 4.0L naturally aspirated motor making 420 horsepower. For the person who wanted a wide body convertible and has the means to make it happen, Singer just gave them the answer. The heritage is real, and the execution is Singer. Hard to argue with that. MotorTrend's Top 5 911s One Journalist Has Ever Driven MotorTrend published a list of the top 5 911s one of their journalists has ever driven: the first-gen 930 3.0 pre-intercooler Turbo, the 993, a 996 generation car, the 991.2, and the 992 GT3 RS. Opinion-based, sure, but it's a great conversation starter. The 930 pre-intercooler making the list says a lot—there's something about that raw, unfiltered experience that sticks with people. What do you think of this grouping? Is there a generation missing that deserves a spot? Let us know. Outro That's the show. Thanks for listening. If you want more, join the Pcar Club at Patreon.com/pcartalk. Follow us on Instagram @pcartalk. Until next time, keep it on the road. Kimchi Crew Steve, Leslie, Chris, Ken, Aaron, Matthew, Sean, and Nik

If you're a leader in game dev who feels stuck, able to spot problems but struggling to make a real difference, there is a path forward that levels up your leadership and accelerates your team, game, and career. Sign up here to learn more: https://forms.gle/nqRTUvgFrtdYuCbr6 Stop treating your game dev estimates like a prophecy; you aren't a prophet. If your estimates keep failing, it's not because your team is bad at math; it's because you're using estimation as a fortune-telling machine instead of a decision-making tool. In this episode, Ben breaks down why "perfect" plans are a trap in the high-uncertainty world of game dev. He introduces a four-level framework—from "Priorities First" to "Relative Sizing"—to help you gain predictability, set external expectations, and find shared understanding across disciplines without killing your team's soul in meetings. What you'll learn in this episode: Why estimation isn't really about being accurate — and why predictability and velocity are only part of the picture. Why estimating work without clear priorities can actually slow teams down and lead to worse decisions How simple throughput tracking can outperform detailed estimates for forecasting — with less friction from the team When fast "blink" estimates are more useful than detailed sizing, and how they help Design, QA, and Engineering spot risk early Why the Fibonacci sequence exists in estimation — and how to avoid wasting time debating tiny differences that don't matter How to recognize when estimation isn't worth the cost, and when time-boxing is the smarter move If you're a producer or lead tired of watching your team polish a "beautiful plan" while the actual game feels like it's missing the mark, this episode is for you. Connect with us:

The USDA's World Agricultural Supply and Demand Estimates report shows the 2025-26 U.S. corn outlook is for greater exports and lower ending stocks, and the USDA is facing doubts about the reliability of its data from farmers, grain traders, and economists.

Larry Cooley joins us to explore how to achieve sustainable impact at meaningful scale. As co-founder of the Scaling Community of Practice, Larry has spent more than two decades examining why promising innovations so often fail to reach the scale required to address global problems. Drawing on 50 years of experience, from his early work as a Peace Corps volunteer to senior roles advising governments, foundations and multilateral institutions, he offers a candid assessment of what is and is not working. At the centre of the conversation is a shift in thinking. Larry distinguishes between transactional scaling, which focuses on expanding projects, and transformational scaling, which seeks to embed change within the systems that deliver services at scale. Projects matter, he argues, but only insofar as they serve as vehicles for systemic change. Without attention to the institutions, incentives and delivery mechanisms that sustain impact over time, even the most effective pilot will struggle to move beyond proof of concept. A key theme is the sobering reality that most successful pilots do not scale. Estimates suggest that between 70 and 95 per cent fail to achieve broad, sustained uptake. This is rarely due to weak ideas. Rather, the barriers lie in the pathway from innovation to institutionalisation. The assumption that another actor will step in to take a proven model to scale has often proved misplaced. Larry describes the work of the Scaling Community of Practice, now a global network of 5,000 members across more than 120 countries, convening practitioners, funders and policymakers to share lessons and develop practical guidance. The community has recently completed 28 case studies examining how different types of funders approach the question of scale. These studies highlight eight core elements required for transformational scale and examine how internal policies, incentives and funding models either enable or hinder progress.  Visit our Knowledge Hub at Lidji.org for information on 350+ case studies and interviews with remarkable leaders in philanthropy, sustainability and social entrepreneurship. 

Episode #138 of Electrical Wholesaling's Today's Electrical Economy podcast will take a look at Electrical Marketing's latest county-level estimates for industrial sales potential and some new construction project data  in Dodge Construction Network's latest Momentum Index. Sponsored by Champion Fiberglass.

This pivotal short section depicts one of the iconic episodes of Austerlitz, namely retreating Russian forces falling through ice amidst an artillery barrage.French General Adolphe Marbot provided a contemporary report on this phenomenon and Czar Alexander appears to have relayed to his inner circle, years later in 1814, that he watched helplessly as thousands of his men perish in the frozen waters. A large number is realistic given accepted casualty figures. Estimates of allied losses indicate 12,000 Russians and 4,000 Austrians dead or wounded and 12,000 captured.  French losses were around 1,400 killed and 7,000 injured.  For nearly a century, which covers the period Tolstoy was writing, it was accepted that thousands perished in this dramatic way. However, academic scrutiny on the episode gained steam in 1902 when Oxford historian Reginald L. Poole published an influential article in The English Historical Review. Poole notes that accounts of the weather in the local Oberamtmann newspaper for early December 1805 indicate the ice was relatively thin, so Poole suggests a vast army retreat would not have been realistic. Nevertheless, a report of relatively thin ice is...relative...and the weather was naturally subject to getting colder from publication. Poole also notes that French engineers drained some of the waters within a few days of the battle, whereupon they discovered 30 cannons and the remains of 150 horses but only three people. Still there are few specifics on the actual draining.  While there remains a great deal of mystery surrounding the event, cannon balls assuredly pierced the ice, leading to a grand spectacle.Tolstoy puts the fictional Fedor Dolokhov in this mix of the columns retreating in the southern portion of the field after the fight was lost at all points.  Dolokhov is among a group crowding around an escape route by a dam and the attendant waters near the Village of Augesd (Awg-est or Ow-gest), which was reachable by cannon fire from the Pratzen Heights.  It was within the rules of engagement to fire at such retreating soldiers, provided it was done at active combatants and not those surrendering or too injured to pose a threat. Tolstoy makes a critical contrast, remarking how this area only knew peace for generations. On the quant dam, which also served as a bridge, an old miller would ordinarily sit in his tasseled cap fishing with his grandson nearby while locals steered their two-horse carts back and forth with goods. On December 2, 1805, however, terrified men crowded together, nearly crushing one another amidst an artillery barrage. Many were struck down like bowling pins. At intervals, they took fire and some went down while others were forced to step over the dead. It was something of a macabre carnival game. Dolokhov is a character men & women love and actors would love to play. Youthful, masculine, handsome, with a dark and wild side. Not wealthy and of privilege like the plentiful assembly of aristocrats Tolstoy crafts, Dolokhov still reflects a side of Tolstoy as in the author's younger days he was quite the debauched gambler.  Dolokhov had been wounded and imbued with survival instincts. He was escaping with some ten men of his company, representing all that was left of it.  His contingent got stymied at an approach because a dead horse had to be dragged out of the narrow path.Soon enough, a cannon ball takes someone out behind Dolokov and another fell in front of him, so Dolokhov was splashed with blood.  He is desperate. Each of these men thought, “If we get a hundred yards further and we are saved, but shall we remain here another two minutes….it is certain death.” Dolokhov frees himself, leaves the edge of the dam and runs onto the ice. Come this way!” he beckons, jumping about the ice which creaked under him. “It bears!” The ice swayed and it was plain that it would give way under his weight alone. The men hesitated in stepping onto the ice, but realized they had no choice.A nearby general on horseback tried to say something but was quickly taken out and it was an ugly death. Seeing their leader fall, the men realized they had to try and ran onto that ice. So they went, running and sliding away from danger.  Very soon, the ice gave way. First under one man, then another, and on and on.    Cries of horror were heard as a group went down in a great mass and struggled in the freezing water. Tolstoy puts a number as forty men, which is well within reason. As the chapter ends, cannon balls continue to pound the ice.

The Seahawks Super Bowl Championship parade was a success. Estimates say 1 million people attended and there were no issues along the 2 mile parade route. What a celebration it was for the fans and the players, a lot of whom couldn't stay on the buses and had to get out to mingle with fans along the route. :30- What's Going On In Other Sports: Part Deux. - What's going on with so many hamate bone injuries? - What's going on with tanking in the NBA? - What's going on with Jake and Jutta? :45- Jessamyn caught up with all the key players immediately after the Seahawks Super Bowl win and today we hear from the GM, John Schneider. See omnystudio.com/listener for privacy information.

The Seahawks Super Bowl Championship parade was a success. Estimates say 1 million people attended and there were no issues along the 2 mile parade route. What a celebration it was for the fans and the players, a lot of whom couldn't stay on the buses and had to get out to mingle with fans along the route. :30- What's Going On In Other Sports: Part Deux. - What's going on with so many hamate bone injuries? - What's going on with tanking in the NBA? - What's going on with Jake and Jutta? :45- Jessamyn caught up with all the key players immediately after the Seahawks Super Bowl win and today we hear from the GM, John Schneider.

Welcome back to The Collision Vision, driven by Autobody News. I'm your host, Cole Strandberg. Today I'm joined by Sebastian Torres, a sharp family-business operator leading CARSTAR Torcam Group in Canada. When Sebastian took the reins, he challenged legacy habits and leaned into tech—adding Solera's photo-capture estimating and mobile inspection so customers can leave with an estimate in hand. The result? Faster intake, cleaner repair plans, better documentation, and a noticeable lift in profitability. We'll unpack the workflow changes at the front counter, the ROI math behind instant estimates, and—importantly—the leadership side: how to build the foundation for growth and know when the timing is right to scale across locations. Let's get into it. Links: https://www.linkedin.com/in/sebastian-torres-4ba591211/ storres@torcamcarstar.ca 

Your daily news in under three minutes. At Al Jazeera Podcasts, we want to hear from you, our listeners. So, please head to https://www.aljazeera.com/survey and tell us your thoughts about this show and other Al Jazeera podcasts. It only takes a few minutes! Connect with us: @AJEPodcasts on Twitter, Instagram, Facebook, and YouTube

Budget uncertainty is driving just about every conversation – on tax policy, on education, and definitely on health care. This week, producer Logan Finney discusses why tax conformity, often a formality, has become a real debate this session. Then, Kevin Richert of Idaho Education News talks about looming budget cuts and how they might affect public schools, higher education, and everything else.

(February 04, 2026) Tax billionaires, cut rents and other takeaways from California’s first gubernatorial debate. How big is the U.S. housing shortage? Estimates range from zero to 40 million homes. Olympic ceasefire calls lay bare the scale of global conflict. From ‘Hamilton’ to Issa Rae to Philip Glass: Here’s a list of Kennedy Center cancellations.See omnystudio.com/listener for privacy information.

Derek Moore is joined by Shane Skinner this week to discuss the parabolic moves in silver and gold including the record amount of trading. Plus, was PPI a big deal or no problem? Later, looking at the forward valuations of Walmart vs Nvidia in a hypothetical game of which one would you rather hold? You could also flip a coin which would be as good as any analysis. Meanwhile, earnings estimates have ticked higher while the S&P 500 Index moved lower, illustrating a multiple contraction in the forward PE ratio.   Silver and Gold go parabolic Record trading volumes in silver and gold Forward EPS estimates tick higher in the S&P 500 Index PPI Producer Price Index was lower in 2025 than 2024 so why the angst? Walmart vs Nvidia forward PE ratios Why is Walmart trading at a higher valuation than Nvidia? Is AI the reason Walmart is bid up on a valuation measure?     Mentioned in this Episode   Derek Moore's book Broken Pie Chart https://amzn.to/3S8ADNT   Jay Pestrichelli's book Buy and Hedge https://amzn.to/3jQYgMt   Derek's book on public speaking Effortless Public Speaking https://amzn.to/3hL1Mag   Contact Derek derek.moore@zegainvestments.com        

Greg Brady spoke to Eric Kam, Economics Professor at Toronto Metropolitan University about 'Bad news' GDP puts Bank of Canada's growth estimates in the crosshairs, economists say. Learn more about your ad choices. Visit megaphone.fm/adchoices

Guest: Bob Zimmerman. Zimmerman highlights James Webb Telescope discoveries challenging Big Bang theories, new estimates of Europa's ice thickness, and unique images of Saturn and Pluto1930

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Send us a textIn this episode, Steve and Paul chat with Scott, of Royal River Heat Pumps, and Paul, of A-Guy Heating and Air, two business owners about the important aspects of the initial walkthrough. Between sizing, equipment selection, and building construction, they discuss the critical considerations that must be made when selling heat pump equipment.Thanks for listening! Please visit www.mitsubishicomfort.comContact us at metustechshow@hvac.mea.com

Thanks to our Partners, Shop Boss and AppFueledYou might be tracking average repair order, car count, even gross profit, but are you looking at your average estimate? In this episode, Brian Walker sits down with coach and shop owner Chris Cotton to dig into what may be the most underutilized KPI in the auto repair industry. Chris lays out real numbers, explains why average estimate is a crystal ball into your sales process, and even shares the exact changes his shop made to 4x estimates and drive gross profit through the roof, all in just one year.If you've ever asked yourself “Why aren't my tickets higher?” or “Do I really need another service advisor?” this is the episode for you. Plus, you'll hear actionable advice on how to move the needle on closing ratios, the power of DVI, and why the right software may be the best investment you'll ever make.Hit play and discover why average estimate might be the missing metric in your shop's growth strategy.Show Notes with TimestampsIntroduction and Sponsor Acknowledgements (00:00:09) Host introduces the podcast, guest Chris Cotton, and thanks sponsors.Setting the Topic: The Most Important KPI You're Not Tracking (00:01:14) Discussion begins on the underutilized KPI: average estimate written by service advisors.Why Average Estimate Matters (00:01:47) Chris explains why average estimate is overlooked and its importance in diagnosing low average repair orders.How to Track Average Estimate (00:03:36) Discussion on how shop management systems track average estimate and the need to analyze by advisor and shop.Chris Cotton's Shop Background and Context (00:04:23) Chris shares his dual role as coach and shop owner, and sets context for the numbers discussed.Differences Between Shop Types and KPIs (00:06:07) Explains how KPIs differ between general, specialty, and quick lube shops, and the impact on labor hours.Shop Operations: Car Count, Bays, and Staffing (00:07:25) Chris details his shop's car count, number of bays, technicians, and unique seven-day schedule.Process Improvements and Estimate Presentation (00:09:29) Describes improvements in hours presented on estimates and the impact of digital vehicle inspections (DVIs).Leveraging Technology for Deferred Work (00:10:26) How CRM tools and online scheduling help sell deferred work and improve customer engagement.Transparency and Full Disclosure in Estimates (00:11:20) Chris's philosophy on presenting all findings to customers for informed decision-making.What is a Good Average Estimate? (00:13:19) Chris shares a rule of thumb for average estimate based on vehicle mileage and shop type.Impact of Raising Average Estimate on Revenue (00:14:51) Chris details how increasing average estimate improved average repair order and overall...

Historian and researcher Dr. Karcheik Sims-Alvarado has developed a theorem she describes as a starting point for translating the harm of slavery into monetary value. Sims-Alvarado, an assistant professor of Africana Studies and the Director of Public History and the chair of the Fulton County Reparations Task Force, plus Dr. Amanda Meng, the secretary of the task force and a Georgia Tech professor, led the research effort that culminated in a 650-page Harm Report. The professors discussed their findings in detail on today's "Closer Look with Rose Scott."See omnystudio.com/listener for privacy information.

1. Oil Prices & National Security Lower global oil prices weaken hostile regimes like Iran, Russia, and Venezuela by reducing their revenue. The Trump administration aims for a “sweet spot” oil price ($60–$70/barrel): Low enough to hurt adversaries. High enough to avoid bankrupting U.S. independent oil producers. If prices drop into the $40s, it could collapse small oil producers in Texas and the Permian Basin. 2. Venezuela’s Oil Infrastructure Venezuela has the world’s largest proven oil reserves, but decades of mismanagement have destroyed its infrastructure. Estimates from oil executives: Increasing production from 1 million to 3 million barrels/day could take 10 years and require $100B+ in investment. Even going from 1 million to 2 million/day would take 5–7 years. Gulf Coast refineries can process Venezuela’s heavy sour crude, but expanded imports would mostly affect Canada and Mexico, not U.S. light-sweet crude producers. 3. Cuba’s Economic Crisis Cuba historically survived on financial support from: The Soviet Union (until its collapse). Venezuela under Chávez/Maduro (oil and money). With Venezuela no longer able to support Cuba, the island is in economic freefall. Mexico is currently providing oil that helps sustain the Cuban regime. The Trump administration may pressure Mexico to cut this supply, potentially pushing Cuba toward political collapse. 4. Jack Smith & January 6th Investigation Smith is accused of leading a politically motivated prosecution against Donald Trump. He allegedly relied on questionable or disproven testimony, notably from Cassidy Hutchinson. Hutchinson’s dramatic claims (e.g., Trump lunging for a steering wheel) were not confirmed by eyewitnesses. Jim Jordan challenged Smith in hearings, accusing him of: Using unreliable witnesses. Conducting a partisan, anti-Trump investigation. Targeting large numbers of Republicans with subpoenas. 5. Crime Statistics & Trump Administration Policies Nationwide murder rates reportedly declined ~20% from 2024 to 2025. Approx. 1,400 fewer murders. Major cities showing decreases: Chicago: 30% NYC: 20% Baltimore: 31% Oakland: 33% Washington, D.C.: 31% (after National Guard deployment) Other violent crimes also declined: Motor vehicle theft: ↓25% Robbery: ↓18% Aggravated assault: ↓8% Law enforcement stats cited: Violent crime arrests: ↑100% Gangs disrupted: ↑210% Fentanyl seized: ↑31% Missing/abducted children located: ↑22% Human traffickers arrested: ↑15% Significant increase in arrests of espionage suspects and fugitives. Please Hit Subscribe to this podcast Right Now. Also Please Subscribe to the 47 Morning Update with Ben Ferguson and The Ben Ferguson Show Podcast Wherever You get You're Podcasts. And don't forget to follow the show on Social Media so you never miss a moment! Thanks for Listening YouTube: https://www.youtube.com/@VerdictwithTedCruz/ Facebook: https://www.facebook.com/verdictwithtedcruz X: https://x.com/tedcruz X: https://x.com/benfergusonshowYouTube: https://www.youtube.com/@VerdictwithTedCruzSee omnystudio.com/listener for privacy information.

Cattle futures continued higher Wednesday, supported by more bullish outside markets, recently higher wholesale beef values and likely positioning ahead of Friday's monthly Cattle on Feed report, which many expect to be bullish. Estimates ahead of the report see December placement down about 5%, December marketings about 2% more due to an extra marketing [...]

Estimates indicate that between 25% and 59% of Americans feel they possess a clear, active sense of purpose or meaning in their lives. 57% Americans report regularly questioning how to find greater meaning and purpose in their lives, at least once per month. While more than 80% of Americans express belief in a higher purpose, only about one-fourth to just over half feel that they are truly living in alignment with it. 28%: Approximately 28% of Americans consider their work to be meaningful, according to data from LinkedIn and the Cato Institute. Motivational speaker Luke Mickelson was raised in Kimberly, Idaho, where community values, character development, and service were foundational aspects of daily life. A committed athlete and lifelong competitor,  Mickelson dedicated his efforts to youth programs, coaching, and mentoring—cultivating both a passion for developing people and a talent for leadership. Although he continued this commitment into his business career, he sought a more profound impact. In 2012,  Mickelson founded Sleep in Heavenly Peace (SHP), a registered 501(c)(3) nonprofit organization driven by the mission, “No kid sleeps on the floor in our town.” What began as a singular act of generosity has since evolved into an international movement. Currently, SHP operates over 400 chapters across 47 U.S. states and four countries, and has delivered more than 350,000 beds to children in need.  Mickelson has provided training and mentorship to hundreds of chapter leaders, disseminating a model for community-driven transformation and motivating thousands to engage in purposeful service. His contributions have been acknowledged by prominent media outlets, including Mike Rowe's Returning the Favor, CNN Heroes (Top 10 finalist), NBC Nightly News with Lester Holt, Good Morning America, The Today Show, People Magazine, and American Ninja Warrior. These recognitions highlight his steadfast commitment to the “Humans Helping Humans” philosophy. Presently, Mr. Mickelson travels nationwide as a keynote speaker, guest, and podcast host, inspiring audiences to recognize the significant impact of small acts of kindness and to find fulfillment in serving others within their own communities. For additional information, please visit: https://shpbeds.org/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Senegal's former capital Saint-Louis, a coastal city and UNESCO World Heritage site, is threatened by rising sea levels caused by climate change. Estimates show that 70 percent of the city could disappear underwater by 2100. Thousands of fishermen have already been relocated. Our France 2 colleagues report, with FRANCE 24's Lauren Bain.

Trevor speaks with Gilbert Clark, CEO of Meridian Mining, about the company's recent corporate updates and mineral resource estimates for their Santa Helena and Cabaçal deposits. The conversation highlights the findings from the initial mineral resource estimate for Santa Helena, which includes 5.3 million tons of gold, copper, zinc and lead, as well as an updated resource from the Cabaçal deposit. Gilbert emphasizes the importance of these updates as they set the stage for the company's growth and development in 2026, particularly with the upcoming definitive feasibility study (DFS) for Cabaçal.

San Francisco Mayor Daniel Lurie delivered his first State of the City speech today saying the City is continuing its recovery, and he's now setting his sights on making it more affordable. For more on this KCBS Radio news anchor Rebecca Goodeyon spoke to KCBS Insider Phil Matier.

AI Doesn't Eliminate Agile Teams — It Increases the Need for Great Ones - Mike CohnEveryone today seems eager to talk about how AI is accelerating software development. Teams are shipping faster. Individuals are more productive. Entire backlogs can be written in minutes. Estimates are a click away. Code that once took days now materializes in minutes. With all this newfound speed, it's understandable that teams and leaders start asking whether they still need the same kinds of collaboration—or even the same kinds of teams.Yet hidden underneath all that enthusiasm is a risk that hasn't received enough attention. In fact, I would argue it is the risk that agile leaders should be paying the closest attention to.https://www.mountaingoatsoftware.com/blog/ai-doesnt-eliminate-agile-teams-it-increases-the-need-for-great-onesHow to connect with AgileDad:- [website] ⁠https://www.agiledad.com/⁠- [instagram] ⁠https://www.instagram.com/agile_coach/⁠- [facebook] ⁠https://www.facebook.com/RealAgileDad/⁠- [Linkedin] ⁠https://www.linkedin.com/in/leehenson/

U.S. core inflation data for December dips slightly below forecasts with hopes it may have peaked. President Trump once again lashes out at Federal Reserve chairman Jerome Powell over interest rate cuts. Crude experiences a volatile session with the prospect of U.S. intervention in Iran protests still on the table after President Trump told protestors on the ground that ‘help was on its way'. And China posts a new record high trade surplus of $1.2tn in 2025 despite U.S. tariffs.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

From Wall Street to Main Street, the latest on the markets and what it means for your money. Updated regularly on weekdays, featuring CNBC expert analysis and sound from top business newsmakers. Anchored and reported by CNBC's Jessica Ettinger. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

This opinion poll asks readers to weigh in on the future of the I-5 Bridge replacement project after reports revealed higher cost estimates and raised concerns about transparency inside the Interstate Bridge Replacement Program. https://www.clarkcountytoday.com/opinion/poll-with-updated-estimates-reaching-as-high-as-17-7-billion-what-should-happen-to-the-i-5-bridge-replacement-project/ #Opinion #I5Bridge #IBR #ClarkCounty #SWWashington #Transportation #PublicAccountability

Joe's Premium Subscription: www.standardgrain.comGrain Markets and Other Stuff Links —Apple PodcastsSpotifyTikTokYouTubeFutures and options trading involves risk of loss and is not suitable for everyone.

Guest: Noah Williams – Founder, Home Doctor Sales SystemGuest Links: Website: https://homedoctorss.com/ Facebook: https://www.facebook.com/noahwill99/ Instagram: https://www.instagram.com/noahwill99/ This episode breaks down why most roofing and home service sales conversations fail long before pricing is ever discussed, and how elite sales systems are built around mindset, trust, and structure rather than scripts alone. The episode explores the Home Doctor Sales System and its holistic approach to sales performance, focusing on bi-directional trust, discovery-based selling, and identifying homeowner pain points early in the appointment. It explains why common objections like “I need three estimates” are symptoms of poor framing, not price resistance, and how elite reps prevent those objections by reshaping the conversation before they appear. The episode dives into paradigm-shifting techniques such as guided discovery questions, test cases during inspections, and the PAP presentation framework, which personalizes the presentation, addresses pain, and reframes affordability into controllable budget conversations. It also covers why too many options kill confidence, why narrowing product choices increases margins, and how visual sales decks eliminate complaints and misaligned expectations. Beyond tactics, the episode explores the deeper role of belief, energy, and leadership in sales performance, why business owners act as “chief energy officers,” and how misalignment between owners, managers, and reps destroys trust internally. It closes by outlining how structured coaching, masterminds, and shared accountability systems help contractors scale sales teams sustainably, build belief-driven cultures, and replace hustle-based insurance sales with repeatable, high-margin sales processes. 

Daycare & Autism Centers Fraud Numerous daycare centers and autism facilities have received millions in state funding but have no children enrolled. Example: A daycare shut down for violations reopened under a new name and continued receiving funds. Home Healthcare Fraud A single building allegedly housed 14 Somali-owned healthcare companies, all billing the state for services that were never provided. FBI raids and investigations are mentioned as evidence of the scale of fraud. Political Corruption Minnesota politicians, including Governor Tim Walz and other Minneapolis officials, have enabled fraud for political gain. Funds were used to buy votes and maintain power, particularly by appealing to immigrant communities. Financial Impact Minnesota swung from an $18 billion surplus to a $6 billion deficit in two years, attributing much of this to fraud. Estimates fraud in Minnesota alone exceeds $9 billion, with nationwide entitlement fraud possibly Please Hit Subscribe to this podcast Right Now. Also Please Subscribe to the 47 Morning Update with Ben Ferguson and The Ben Ferguson Show Podcast Wherever You get You're Podcasts. And don't forget to follow the show on Social Media so you never miss a moment! Thanks for Listening YouTube: https://www.youtube.com/@VerdictwithTedCruz/ Facebook: https://www.facebook.com/verdictwithtedcruz X: https://x.com/tedcruz X: https://x.com/benfergusonshowYouTube: https://www.youtube.com/@VerdictwithTedCruzSee omnystudio.com/listener for privacy information.

This Flashback Friday is from episode 575, published last September 30, 2015. We break closing costs down into small pieces to support Jason's #1 rule of investing, thou shalt become educated. Understanding which costs are fixed and which are variable will help you to protect yourself and allow you to become your own best advisor. We take the confusion out of calculating the fees. And, will private equity firms be the next big player in the mortgage game?     Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com

Looking at a weird GDP data point. Calling BS on Russia/Ukraine peace talks. Gold and Silver – WOW! Closing out the year – a good one too! PLUS we are now on Spotify and Amazon Music/Podcasts! Click HERE for Show Notes and Links DHUnplugged is now streaming live - with listener chat. Click on link on the right sidebar. Love the Show? Then how about a Donation? Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter Warm-Up - CTP Cup - All systems go! 9 participants! - Lots to be excited about and anxious too - Looking at a weird GDP data point - Calling BS on Russia/Ukraine peace talks Markets - Gold and Silver - WOW! - Closing out the year - a good one too! - Buyers are still hot to buy any dip - "Diet" pills coming Bitters Making Progress  - Chocolate -Dark Cherry -Infusions - https://highdesertbotanicals.com NYE Celebration - Cities across America ring in the new year by dropping unexpected objects: - Amelia Island, FL drops a giant shrimp. - Nashville drops a 400lb musical note with 28,140 LEDs. - Boise, ID, drops a glowing potato. - Key West, FL, drops an eight-foot ruby-red heel—complete with a drag queen inside! - In Spain, revelers gulp down 12 grapes—one for each midnight chime—to bring luck for each month - Denmark - Danes toss old dishes at friends' doors—large piles of broken crockery at dawn are seen as tokens of good luck. What a year! - So many themes in 12 months - AI, Tariffs, War and Trade War, Fat drugs, Deglobalization - Data centers, semiconductors, and supporting infrastructure like power and cooling systems. - Approx: DJIA +13.5%, SP500 +17%, NASDA +21%, BTCUSD -7.6%, Gold +64%, SLV +145%, $DXY -9.5%, EEM +30% - 2026 - Opportunities and Auld Lang Xiety (Tech still looks frothy in certain names) Top New Year's Resolutions - Exercise More - Eat Healthier - Save More Money/Get Out of Debt - Be Happy/Improve Mental Health - Lose Weight - Spend More Time with Family & Friends - Learn a New Skill/Hobby - Get Organized Active Management (Funds) - Same report annually - A small group of tech super stocks accounted for an outsize share of returns in 2025, extending a pattern in place for the better part of a decade. - Around $1 trillion was pulled from active equity mutual funds over the year, marking an 11th year of net outflows, while passive equity exchange-traded funds got more than $600 billion. - The concentration of gains in a few stocks made it harder for active managers to do well, with 73% of equity mutual funds trailing their benchmarks this year, the fourth most in data going back to 2007. - BUT, there are some areas that it makes sense for active management ---- Equity vs Fixed income and reasoning --- Efficient markets, boots on the ground Fat Pill - The FDA has approved the first-ever GLP-1 pill from Wegovy maker Novo Nordisk. - Novo Nordisk said the starting dose of 1.5 milligrams will be available in early January in pharmacies and via select telehealth providers with savings offers for $149 per month. - The approval gives Novo Nordisk a head start over chief rival Eli Lilly, which is racing to launch its own obesity pill. - Packaged food makers and fast-food restaurants may be forced to overhaul more of their products next year as newly approved, appetite-suppressing GLP-1 pills become available in January PowerBall - A ticket sold in Arkansas scored a $1.8 billion Powerball jackpot after Wednesday night's draw — one of the richest lottery prizes in U.S. history, landing just in time for Christmas. - The payout soared after last Monday's drawing produced no winners, with last-minute ticket sales pushing the jackpot to $1.817 billion. That makes it the second-largest U.S. lottery prize ever and the biggest Powerball of 2025, the lottery website said on Thursday. - The winning numbers — 4, 25, 31, 52, 59 and the Powerball 19 - Odds: one in 292.2 million. Silver - Amazing year! - Sunday night futures - >$83 then turned hard lower| - Down 7% on Monday - Range $83 - $71 (15%) for the day - Some rumors about a bank collapse due to wrong way position on Silver - forced liquidation and covering.... ----- Hard to believe that a bank was short that much silver - but..... SoKo Breach - South Korean online retail giant Coupang said it will offer 1.69 trillion South Korean won ($1.17 billion) in compensation to 34 million users affected by a massive data breach disclosed last month. - That is about 4% of Coupang's annual revenue - but a big chunk of their profit - $34 per user NVDA Deal - Nvidia has yet to issue a public announcement or disclosure regarding its $20 billion Groq deal that CNBC was first to cover on Wednesday. - Groq described the deal as a “non-exclusive licensing agreement,” a tool that's been used by tech giants of late in part to avoid regulatory scrutiny. - Analyst: “Antitrust would seem to be the primary risk here, though structuring the deal as a non-exclusive license may keep the fiction of competition alive,” Bernstein's Stacy Rasgon wrote in a report. - Groq will remain an independent company (?) GDP Consumption - Something is a bit off.... - With the marketplace costs increasing, this may be more than a one-off expenditure Q3 GDP Surge Russia/Ukraine - Less that an hour after the White House claimed great movement toward peace - Russian President Putin told President Trump that Russia will revise its negotiating position, raising questions over prospects for peace deal - Russian Foreign Minister Sergei Lavrov says Ukraine tried to attack Russian President Putin's residence - Does anyone even listen to the crap coming out of the White House anymore? - Did you hear Lutnick trying to explain the 600% reduction in costs for pharmaceuticals? Math wizards! - - For 2026, my wish is that they continue to work on the job at hand and just shut up Just for fun - Who is biggest drinker of spirits? - While there's no single official "heaviest drinker," legendary wrestler Andre the Giant is widely cited as having unmatched capacity, famously downing 119 beers in one sitting (or even up to 156 in other accounts) Oil - Crude oil futures down about 9.5% YTD - Much of the drop due to pick up in production (supply/demand) - Still a floor with as Russia, Nigeria, Venezuela etc - What will it take to move up? Best Auto Stock for 2025? - GM! Better than ford, Tesla and others (up 55%) - best year from coming out of bankruptcy in 2009 - Ford up 35% - Mary Barra, CEO selling into the strength - $73 M sold this year (Position down 73% from what she held last year) - - - Barra has contended for years that stock undervalued. With all of these say what does that say now? --- Would she ever say shares are overvalued? More fun stats - A peer?reviewed 2025 study estimates AI data centers (including indirect usage from electricity generation) consumed 312–765 billion liters of water annually. That's more than all bottled water consumed worldwide each year - Direct (on-site) water is used for cooling servers via systems like cooling towers or liquid loops. Indirect (off-site) water stems from electricity generation—particularly from thermal and nuclear plants, which require significant cooling resources - ??? Estimates suggest a single standard AI prompt (about 100 words) is linked to around 1.5 liters of water—accounting for the entire chain of consumption. (This is total usage from cooling powr consumption, electricity generation) - Global AI workloads consumed 50–60 terawatt-hours (TWh) in 2025—roughly the annual electricity use of a medium-sized country like Switzerland. - By 2030, AI-related electricity demand could reach 300–500 TWh annually, according to energy analysts—comparable to the entire electricity consumption of countries like France. Over to Iran - President Trump tells reporters that if Iran is building up its nuclear program, the U.S. will have to "knock them down" again --- Wait - I thought we destroyed all of their nuke aspirations??? - - - AND - Iran's currency hit a record low, triggering wave of protests, according to Bloomberg Fed News - Top Fed Chair Candidate Odds Narrow Again, With Hassett at 43% and Warsh at 35% - President Trump still angry at Powell 0threating to sue for incompetence Odd - Tesla Inc. published a series of sales estimates indicating the outlook for its vehicle deliveries may be lower than many investors were expecting. - The carmaker posted estimates showing analysts on average expect the company to deliver 422,850 cars in the fourth quarter, down 15% from a year earlier. - Tesla is on course for its second consecutive drop in annual vehicle sales, with the company compiling an average estimate for 1.6 million deliveries, down more than 8% from a year earlier. - These are estimates published by analysts - Tesla put on its own site - WHY? End of Year Stat - The U.S. national debt is climbing at a rapid pace and has shown no signs of slowing down despite the growing criticism of massive levels of government spending. - The national debt, which measures what the U.S. owes its creditors, rose to $38,386,384,190,622.68 as of Dec. 30, according to the latest numbers published by the Treasury Department. - That is an increase of about $5.8 billion daily - ~$18 per person in the US per day increase ($7,300) - or about the monthly price of leasing a small Mercedes - Each person in US owes approx $128,000 Love the Show? Then how about a Donation? THE CLOSEST TO THE PIN 2025 Winners will be getting great stuff like the new "OFFICIAL" DHUnplugged Shirt! CTP CUP 2025 Participants: Jim Beaver Mike Kazmierczak Joe Metzger Ken Degel David Martin Dean Wormell Neil Larion Mary Lou Schwarzer Eric Harvey (2024 Winner) FED AND CRYPTO LIMERICKS See this week's stock picks HERE Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter

Joe's Premium Subscription: www.standardgrain.comGrain Markets and Other Stuff Links —Apple PodcastsSpotifyTikTokYouTubeFutures and options trading involves risk of loss and is not suitable for everyone.

As project managers, we spend a lot of time talking about tools, processes, and delivery frameworks—but far less time talking about the invisible structure that holds projects together: trust. In this Top Shelf Replay episode of Project Management Happy Hour, Kim Essendrup and Kate Anderson revisit one of the show's earliest and most enduring concepts: Trust Bricks. Originally recorded in 2018, this short but powerful episode explores how trust is built—not through grand gestures or heroic saves—but through consistent, everyday actions that compound over time. The core idea is simple: trust is predictability. When you repeatedly do what you say you'll do—whether that's sending meeting notes on time, honoring estimates, or showing up prepared—you lay one small Trust Brick at a time. Over weeks, months, and years, those bricks form a structure strong enough to withstand missed deadlines, bad news, or the occasional broken promise. Kim and Kate break down why Trust Bricks matter so much in project environments: Teams are more honest with you when they trust you Estimates improve when people believe they won't be punished for telling the truth Difficult conversations become easier when everyone believes you're on the same side Sponsors give you more latitude when your track record is consistent The conversation also explores what happens when trust breaks—and how the same Trust Brick approach can be used to rebuild credibility. Rather than trying to restore trust with a single "big win," the hosts argue that rebuilding starts small: partial deliverables, frequent check-ins, and deliberately meeting micro-commitments until confidence is restored. In the replay commentary, Kim and Kate reflect on how their thinking has evolved since the original recording. They discuss: The role of showing up consistently, even when no explicit promise was made How trust operates differently in virtual and remote teams Why strong performers can accidentally set expectations that lead to burnout How leaders vary widely in how much "trust damage" they tolerate before overreacting The episode also revisits the journey of Trust Bricks beyond the podcast, including Kim's experience delivering a TEDx talk on the topic and refining the framework into three enduring lessons: You are always building or breaking Trust Bricks—whether you realize it or not Missed expectations don't pause trust building; they actively tear it down Unspoken expectations are the fastest way to accidentally destroy trust This episode is a reminder that trust isn't soft, vague, or optional—it's a core delivery skill. If you want stakeholders who back you, teams who tell you the truth, and projects that don't require constant firefighting, it starts with sweating the small commitments. The next time you make a commitment—big or small—ask yourself: Am I laying a brick… or cracking one? Check out Kim's TEDx talk at trust-bricks.com or on the TED youtube channel Want more PM reality without the fluff? Join the PMHH membership for courses, templates, community, and direct access to Kate and Kim. https://pmhappyhour.com/membership

The planet Mercury is shrinking. It’s contracted by several miles since its birth. And it’s continuing to get smaller even now. Mercury is the closest planet to the Sun. It’s also the smallest major planet in the solar system – a little more than 3,000 miles in diameter – about the width of the 48 states. It has a core of iron and nickel, surrounded by dense layers of rock. And it’s topped by a thin crust. The surface of the planet is marked by lots of impressive cliffs. The biggest is more than 600 miles long and about two miles high. They formed as Mercury lost heat from its interior. As the planet cooled, it shrank. Estimates of how much it’s contracted have ranged from about a mile to about nine miles. A recent study narrowed the range a little bit. It measured the most dramatic features, then scaled that to the surface of the entire planet. The result suggests that Mercury has shrunk by about three to five miles as a result of its cooling. And when you add in some other causes, the total contraction is about four to seven miles. And Mercury is still getting smaller today. This incredible shrinking planet is quite low in the southeast in the dawn twilight for the next few days. It looks like a bright star, but you need a clear horizon to spot it. And because of the viewing angle, it’s easier to spot from more southern latitudes. Tomorrow, the Moon stands to its right or upper right. Script by Damond Benningfield

Original Release Date: October 10, 2025Our U.S. Thematic and Equity Strategist Michelle Weaver discusses how the largest intergenerational wealth transfer in history could reshape saving, spending and investment behavior across America.Read more insights from Morgan Stanley.----- Transcript ----- Michelle Weaver: Welcome to Thoughts on the Market. I'm Michelle Weaver, Morgan Stanley's U.S. Thematic and Equity Strategist.Today, a powerful force reshaping the financial lives of millions of Americans: inheritance.It's Friday, October 10th at 10am in New York.Americans are living longer and they're passing on their wealth later. Longevity is one of Morgan Stanley Research's four key themes, and this is an interesting element of longevity. As baby boomers age, they're expected to transfer their wealth to Gen X, millennials and Gen Z to the tune of tens or even hundreds of trillions of U.S. dollars.Estimates vary widely, but the amounts are unprecedented. And so, inheritance isn't just a family milestone; it's becoming an important cornerstone of financial planning and longevity. And understanding who's receiving, expecting, and using their inheritances is key to forecasting how Americans save, spend, and invest.According to our latest AlphaWise survey, 17 percent of U.S. consumers have received an inheritance, and another 14 percent expect to receive one in the future. Younger Americans are especially optimistic. Their expectations split evenly between those anticipating an inheritance within the next 10 years and those expecting it further out.But here's the kicker; income plays a huge role. Only 17 percent of lower income consumers report receiving or expecting an inheritance, but that number jumps to 43 percent among higher income households highlighting a clear wealth divide.What about the size of the inheritance? In our survey, those who received or expect to receive an inheritance fall broadly into three categories. About half reported amounts under $100,000 dollars. For about a third, that amount rose to under $500,000. And then meanwhile, 10 per cent reported an inheritance of half a million dollars or more.Younger consumers tend to report smaller amounts, while inheritance size rises with income. One important thing to remember about our survey though, is it looks more at the average person. We are missing some of those very high net worth demographics in there where I would expect inheritance to rise much higher than half a million.And so, when we think about this, how will recipients use this wealth? That's a really important question. The majority, about 60 percent, say they have or will put their inheritance towards savings, retirement, or investments. About a third say they'll use it for housing or paying down debt. Day-to-day consumption, travel, education and even starting a business or giving to charity also featured in the survey responses – but to a lesser extent.The financial impact of inheritance is significant: 46 percent of recipients say it makes them feel more financially secure; 40 percent cite improvements in savings; and 22 percent associate it with increased spending. Some even report retiring earlier or lightening their workloads.Inheritance trends are shaping consumer behavior and have the power to influence spending patterns across industries. To sum it up, inheritance isn't just a family matter, it's a market mover.Thanks for listening. If you enjoy the show, please leave us a review wherever you listen, and share Thoughts on the Market with a friend or colleague today.