Podcasts about Factoring

In this episode of Settle Smart, NSSTA Executive Director Eric Vaughn speaks with National Consumers League's CEO, Sally Greenberg, about the growing national conversation surrounding structured settlements and factoring companies.Following renewed public attention on the topic, the discussion examines how structured settlements are designed to provide long-term financial security for injury victims and families, the risks associated with factoring transactions, and the importance of consumer protections.The episode also highlights:• The role of structured settlements in protecting injured people• How state-level guardrails can reduce predatory practices• Why judges and lawmakers play an important role in consumer protection• The need for financial literacy and public awareness• The future of structured settlement advocacyStructured settlements provide guaranteed, tax-free income designed to support long-term medical and living needs after a serious injury.Visit our site at https://nssta.com/ to learn more about structured settlements.

Was tun, wenn Rechnungen offen bleiben und die Liquidität unter Druck gerät? Darüber habe ich mit Dr. Tariq Sultan über Factoring, Cashflow und die finanziellen Herausforderungen in der Praxisgründung gesprochen – und warum fehlende Planung hier schnell zum echten Risiko wird. Wir sprechen darüber, wie Praxisinhaber Zahlungsausfälle vermeiden, ihre Einnahmen planbar machen und sich den Rücken für das Wesentliche freihalten. Podcast Gast werden: https://calendly.com/miguelangelobasalo/kennenlernen-dentalwelt-podcast?back=1&month=2025-08 Oralchirurgie Nordschwarzwald: https://www.oralchirurgie-nordschwarzwald.de Instagram Tariq: https://www.instagram.com/oralchirurgie_nordschwarzwald/ DZR Factoring: https://www.dzr.de/ Info Pakete: https://www.dzr.de/infopaket?utm_source=dentalwelt&utm_medium=podcast&utm_campaign=2406

Kristin Frang, Understanding the Roots of Fluency with Addition & Subtraction ROUNDING UP: SEASON 4 | EPISODE 16 Research suggests that supporting students' fluency with addition and subtraction hinges on understanding how children's mathematical thinking develops. So what are the concepts and ideas that play a part in fluency with combinations to 10, 20, and beyond?  Today, we'll explore this question with Kristin Frang, director of instructional programs at Integrow Numeracy Solutions.  BIOGRAPHY Kristin Frang is the director of instructional programs for Integrow Numeracy Solutions. She designs resources and services that support states, districts, schools, and individuals in transforming numeracy education. RESOURCES "Understanding Units Coordination" Season 4, Episode 11 of the Rounding Up podcast Integrow Numeracy Solutions website blog  email address On Track to Numeracy book by Lucinda "Petey" MacCarty, Kurt Kinsey, David Ellemor-Collins, and Robert J. Wright TRANSCRIPT Mike Wallus: Welcome to the podcast, Kristin. It is so great to be talking with you today.  Kristin Frang: It's great to be here. I feel so honored to be on this podcast.  Mike: Before we dive into a conversation about addition and subtraction, I'd like to do a bit of grounding. So you're currently the director of instructional programs for Integrow Numeracy Solutions. I wonder if briefly you could tell the listeners: What is Integrow Numeracy Solutions, and what's its mission?  Kristin: Yeah. Integrow Numeracy Solutions' mission is to transform numeracy education by connecting research with practice and empowering educators to advance student mathematical thinking and success. But I really want to bring that mission to life through a story, just a quick story, if I can.  Prior to my role with Integrow, I was a K–12 mathematics consultant. And one of the things that I did was, when the Common Core [State Standards] were released, I worked with teachers to transition to the then-new standards. We studied many documents together, including progression documents that were included in the standards, and teachers were honestly fascinated by this idea of a progression and that they were embedded into the standard. But I remember an instance where we had been studying these progressions and a teacher came up and said to me, "I know where my students are at; I can see them in these progressions. But how do I get them to the next stage?"  And I didn't have an answer (laughs) at that point. I was a former middle school and high school teacher. I was working with elementary teachers. I was studying, just like them, these progression documents, and I could only categorize the reasoning that was in front of us. And so that next step to say, "Oh, this is what I would do and bring into action in the classroom," I didn't have an answer for. And so that's really where I was introduced to Integrow—formerly [the] US Math Recovery Council, but now Integrow Numeracy Solutions. And at the heart of our mission to empower educators is to bring research to the classroom in accessible and practical ways that advance student reasoning. We do this in professional learning, we do it in supplemental resources, and we also hire and train educators to deliver high-dosage tutoring for students to accelerate their learning.  Mike: I want to just linger on something you said, which was—and I really appreciate both the truth of the statement you made and also the vulnerability, which is to say—I think for many teachers, there's this experience of, "I can see my students in these progressions, but I'm not sure what to do when it comes to making moves to shift where they're at or help them move." And I think that's a profound truth for so many teachers. And I think it's really important that folks like you, who are doing this work, acknowledge that that's a place you were in once as well because that's so true for so many of us.  Kristin: Yeah. There's always a new thing where we're watching students, we're thinking about the next steps. And so often it boils down to categorizing the things that students are doing now, but not often figuring out: What are the true actions that we take with real children who are in front of us to get them to progress in their own reasoning? We can tell them the next step, but my belief system that is aligned with Integrow Numeracy Solutions is that the most powerful thing is to help students have those experiences and create that understanding themselves. And to do that, it's more complex than just knowing what the next benchmark is for them.  Mike: I think that's a helpful introduction. And I also find it to be a good segue for all the questions that I wanted to explore today. So let me start here: It feels important to acknowledge that supporting students' addition and subtraction fluency actually hinges on understanding how children's mathematical thinking develops. So I wonder if you can talk about some of the concepts and the ideas that play a part in fluency when it comes to combinations of 10, combinations to 20, and even beyond.  Kristin: Yeah. The words that we hear associated with fluency right now are "flexibility," "efficiency," "accuracy." So we've moved on from just speed, which I think is a really positive place for us to be in education. But at the heart of flexibility, efficiency and accuracy is a quantitative understanding of arithmetic. I'm really glad that you had Amy Hackenberg on [the podcast] recently who discussed this concept of units coordination because throughout what we'll talk about, you'll see units coordination come out, but she's definitely the expert to explain it. Just a nod. Just listen to that episode [Season 4, Episode 11]. It was amazing.  Thinking, though, specifically about fluency—fluency isn't just knowing all of these combinations. In the early stages of counting, students view a number simply as a count or result of a count of single items, and there's this critical shift in developing a unit as a fundamental tool of measurement. And that's the act of unitizing where a student conceives of a collection of items as one unit that's simultaneously made of smaller units.  It is a common progression that once a student counts on, that then we would shift to building strategies to solve addition and subtraction within 20, and then of course with 100, and beyond, and then in other domains. But this is all happening in first and second grade for that addition and subtraction to 20 fluency. So attending to this numerical composite—understanding that when a child says "7" and sees that that represents counting from 1 to 7 without having to count—is a really big cognitive shift in their mathematical understanding and can be undermined with, "Oh, now that they're counting on, we're going to tell them these strategies." And so we really do need to have some intentional instructional strategies to make sure that we're developing that first, that numerical composite, before we try to develop all these strategies for addition and subtraction to 20. Because that is the basis for children to move from a counting-based strategy to compose units.  So when they can use a quantity like, "Oh, 8 plus 5, I can break apart this 5 into smaller parts and I can give some of those parts to the 8." So children at that point have to simultaneously hold 5 as a single unit while recognizing the 2 and the 3 make up the 5, but they can be moved to the 8 as well. That's really sophisticated.  Mike: So I want to mark that because I think the notion that this is really sophisticated is important for folks to understand because I'll be vulnerable and honest: I didn't recognize the complexity of what children were grappling with when I started teaching, particularly as a person who was teaching kindergarten and first grade. I really saw my job as helping to build a set of rote procedures like counting and number sequence and memorizing combinations and the outcome of being able to count and the outcome of being able to quickly recall those. I think that's not in question, but understanding the mechanics and the evolution of kids' thinking that's going on, that's a big deal. This whole notion that you have a unit and the unit is composed of smaller units. And one of the things that you said that feels like a really big deal that could be lost is the idea that shifting from a counting-based strategy to a strategy that depends on this notion of units that have smaller units inside and that are also still a unit—that's such a big deal. In order to go from counting everything to counting on to being able to look at a number like 8 and say that it has a 5 and a 3 inside of it—all of that is connected to this notion of units inside of units. And I'm so glad you mentioned that.  Kristin: Yeah. The mental actions that students are doing, making those visible, when we see children do it developmentally, we just assume it's easy. But the shifts that they're making in their understanding of units to move from that pre-numerical stage of "Everything is a 1 and I have to repeat it" to "Now this word can stand in for the count" to "Now I can embed units inside of other units." There's so much happening, and they're so young at that age; we have to remember that too.  Mike: So let's talk about some other important components of developing fluency. What else is an important primer for how people are thinking about this?  Kristin: Yeah. Another important component is supporting students in developing the cognitive structures that allow students to anchor their understanding and quantitative meaning and develop that sophisticated reasoning. Many researchers, many authors have written in different ways and different names about these structures. So like a "mental structure," "mental residue," "mental tools," "patterns of thought." To name a few people, Zaretta Hammond, Betty [K.] Garner, Karen [S.] Karp are some people I've read and appreciate their thinking around that.  So it's more than just allowing students to use manipulatives to solve problems. There's an intentionality in how we use tools and an explicit process used by educators to bring their mathematical world to life. So first, identifying key settings that emphasize mathematical structures. So the tool in front of them has a big role to play in the "math"—I put that in quotations—in the "math" that they see. 10-frames that highlight a quantity of 10, but also can show other quantities within 10, such as, like, a five or a double. It has an added layer of boxes that contain a number. Some contain a number or a counter and others are empty. So there's ways that kids are coming to understand quantity with the structure.  Similarly, a bead rack can show a five structure, a double structure, depending on your representation. They can help kids think about exchanges and really kind of that movement of quantity in a real physical way. Using linking cubes, do you use them all in one color? Are you strategic about the color that you use to bring out mathematical structures for them?  So once we think about the key setting and the structure that we're trying to help kids reason about, we want to pose intentional questions that orient students to those structures. So how do they see that 5 inside? How are we going to bring that out? It's obvious to us, but are they seeing that or are they seeing something different in the tool? Are they reasoning about something different? And so the intentionality behind how we question students during those activities also aids to building their cognitive structures. So it's not the tool itself that is the 8. It's that the child is seeing the 8 and they're seeing the 5 and the 3 in some empty boxes.  And finally, I think the step that we miss a lot, especially in problem-based instruction or any kind of inquiry-based instruction, is this explicit time where we connect the symbols in formal mathematics directly to represent the child's thinking and the tool that they've been playing around with. So it's not just about knowing I can get an answer on the 10-frame, but it's [that] I'm abstracting that series of actions, and I'm then connecting it to this quantity that I've written in a symbol. And are there connections between those things? And if those things aren't happening—kids are doing all those parts and pieces, but really developing the cognitive structure that they can then themselves use and take with them, I think that's what's so powerful when we talk about fluency is they can take a cognitive structure with them and fill in the mathematics in the future [when] maybe they don't have an educator in front of them asking those questions. But if they've been through those processes, then they have that structure to fill in.  Mike: There's a lot that you just said that I think is important and we could probably linger on a lot of it. But on the front end of this conversation, you said it's one thing to be able to see students in a progression, and it's another thing to think about, "What's my role or what are the tools that I have to help them shift?" What I heard in that last part, particularly is this notion of almost like a translation between the physical materials kids are engaging with and the meaning that they're making of that, and then helping them to abstract that in a way where we have symbols that are representing either actions or quantities and the relationships that are happening. That part of the teacher's job and part of the moves that teachers have in their toolbox is this notion of translation—taking what I'm seeing kids doing and how what I'm hearing them say or do to make meaning of it, and then helping them make that abstraction is kind of one of the tools that's really important in a teacher's toolbox when they're thinking about helping kids make moves.  In preparation for our interview, one of the things that stayed with me was you described how your own understanding of the meaning and the importance of fluency had shifted over time. And I'm wondering if you can talk about what you used to think and what is it that you think now about fluency. Could you talk about your own personal journey?  Kristin: For sure. I used to think that knowing facts, just knowing them in a very static way—like I know the answer to 5 plus 3, I keep coming back to that fact—reduces the cognitive load when they were getting into higher grade levels. Well, they don't need to think about that problem, and they can think about what we're doing in seventh grade math or in algebra.  But what I've come to understand is that the ways that students know their facts—more specifically how they're able to work with the units and the way they conceptualize the units that they are given, how they break them apart, how they put them back together—that's what matters as they go. So not just knowing the answer, but that these things can be taken apart and put back together.  Anderson Norton is a researcher that I really love to listen to. And I listened to him at an Integrow conference once. And he talked about developing mathematics through repeatable mental actions. So this kind of relates back to those cognitive structures. One example of a group of mental actions is this idea of composable, reversible, and associative. So when I think about 8 plus 5, 5 is composed of a 2 and a 3, and I can reverse that to focus on the unit of 2, and then I can associate that quantity with the 8 to make a new unit while keeping intact the unit of 5. That's really complex, but that idea transcends the domains of mathematics. Now, I'm not an expert in units coordination research, so I hope I represented that correctly, but I've certainly experienced students struggling to keep track of different units as they work. So thinking about exponent rules, and they break apart these powers and they're writing them and they're learning all these patterns, but they're struggling to keep track of the units that they're working with. Factoring functions in algebra. We're asking them to break apart something and put it back together in these different forms, and they're losing track of these units. So these actions of composable, reversible, and associative have implications in many domains of mathematics. So the bottom line is we want to develop not the fact itself, but the mental action behind that fact. Anderson Norton, I hope I did that justice.  Mike: I want to name something that I think is really important, particularly given the fact that your background is actually in secondary [education]. So what I take from this is this idea of working with units and the mental actions, that transcends arithmetic. It transcends whole numbers and even rational numbers. And it pays dividends and it keeps paying dividends in middle school and high school as kids are working in an algebra context. And I think that's worth saying out loud because it means that doing this work with elementary students to develop fluency is a bit of a twofer in the sense that you do get kids who end up with a bank of facts that they know, but they also have this underlying understanding of units and actions that pays dividends for them in the long run. Mathematics education, students' learning experience, is not a sprint or a series of handoffs. It's really a marathon. And those early experiences, they pay dividends and they keep paying dividends. I think that's really important because it reminds us, particularly as elementary educators, that we're part of a larger project.  Kristin: Not only part of a project, but part of building a lifelong interest in mathematics as an actual body of research that's dynamic and not a set of things to memorize and learn so that mathematics does become applicable in these different fields because the way that I approach a problem as an expert mathematician is that I take things apart, I put them back together. That transcends many careers. It's not just about being a math teacher or a math professor. It's about coming to understand that I have autonomy and how I see relationships of things, whether they're numbers or shapes or maybe parts that I'm working on in some sort of creative field that I'm in, but that I can do all of these things and that I can be curious and repeat those actions and see how they play out in that particular study.  Mike: That's well said.  Well, let's talk about the what, the why, the how of combinations to 10 and 20. To begin, I want to note that we use the term "combinations," and I'm wondering if you can say more about what you mean when you refer to combinations and why they matter.  Kristin: Yeah. I mean combinations not to literally mean "addition," but that combination is the idea of this relationship between parts and wholes. So that 2, 3, and 5 have this kind of additive relationship. I can put these parts together to make the whole; I can take a part out of the whole and be left with a part. I can have a part and wonder what part I need to make the whole. And so we sometimes talk about these in curriculums as "fact families," but the emphasis should be on the relationship of the parts to the whole and not filling out that kind of mimicking of like, "I know the four sentences because I know this thing." So, "If I know this, I also know this." It feels really nuanced, but in action really quite specific.  Mike: So I think that's really helpful and it really does lead me to my next question about how we help kids build their fluency with combinations to 10 and 20 and beyond. So given the why that you just articulated, it seems like the how is going to be substantially different from the ways that many, if not most, adults learn to build fluency. Can you talk about that, Kristin?  Kristin: We start from key combinations first. We consider a set of combinations that would be really useful in a lot of contexts. And I think many listeners will be familiar with those key combinations: doubles. Combinations of 10, of course. 5 plus because I have five fingers and then I can add some more on it, and I'm showing some finger patterns. So those are things we normally work on with students anyways. But starting again, going back to my original statement from a quantitative perspective—so not the memorization of those facts, but that I really come to understand them as quantities that are useful to me. And then building from those key combinations—I also want to name before I build onto that, is that some kids just have other facts that are interesting to them that they bring. So it might be their age, it might be the combination of their siblings' ages. And so we don't want to ignore that we introduce key combinations to students, but that students also have combinations that are useful to them naturally.  So once we have a set of those key combinations that we've come to think about and reason about, we can then build things that we don't know. We can transfer that. So 5 plus 3 can help me think about 4 plus 3. If I have a mental structure of a 10-frame or a bead rack that helps me think about, "Oh, there's just going to be one less counter on the top, and so I'm going to take that [counter] away." So that idea of taking the 1 out of the number is a really important mental action of them disembedding that quantity.  In addition, when we think about the 5 plus, the doubles, the partitions, we're thinking about combinations that will also transcend into multidigit combinations. So addition, subtraction—whether we're working with whole numbers or decimals, we can make tens, we can make hundreds, we can make wholes, we can make zeros. And those combinations of 10 are going to be really useful for us.  Mike: I'm struck by the fact that the combinations and also the mental actions that accompany them, as you said, they really do scale up quite nicely. And it seems like they scale up in the sense that they can get used to understand and solve problems with larger whole numbers, but they can also scale in the sense that ideas will help kids, but they can also scale in the sense that the ideas can really help kids when they encounter fractions and decimals. I wonder if you could talk about that idea just a little bit.  Kristin: Yeah. So thinking about a combination of 10 in this missing part. So 99 plus can help us when we're thinking about, that 99 is 1 away from 100. It can also help us think about 99 one-hundredths or 9 tenths as being one part or one unit away from a benchmark number that's really helpful for us. And so, it's just that the unit itself is different. So instead of just a whole, I'm one whole unit away from 100, I might be 1 tenth of a unit away from one whole, so the unit is just changing.  The view of mathematics this way, again, is very dynamic. We're creating a world where children are thinking about units and units away across domains, across number systems. And if we come to regard units as things that we can act on, whether it's a single object or a group of objects or a shape—we can put them together, take them apart and reassociate them—I can think of a lot of my mathematical knowledge in this way and not as a static set of information that I learned. And so then I'm able to transfer that because I've done that mental action or I've thought about something being a unit away.  Mike: That's fascinating because I'm going to go back to this whole notion of the relationship between 3 and 2 and 5. So 3 is 2 units away from a unit of 5 and three-fifths are 2 one-fifths away from a unit of five-fifths or one whole. This notion of units away from or units that combine to make other units, I really get now whether it's whole numbers or fractions, we're really talking about a unit that we've defined and then how many other units or how can we—how did you describe that? What was the language you used before about pulling a unit out? Was it "disembed"?  Kristin: "Disembed," yeah.  Mike: That really plays regardless of the type of unit we're talking about.  Kristin: Yeah. And remember back where we said this quantity had a meaning, so 7 stood for something. When we disembed, that unit still has meaning in the context of the original unit. So that's a really important point about disembedding is that it's not just that you take a part out, it's that part still has a relationship to the whole and you don't lose that relationship.  Mike: As I hear you talking, there seem to be some themes that are jumping out. One is the importance of key fact combinations and the mental actions. Another is the role visual models play in learning those combinations. And I think finally, I hear you indicating that it's important for students to make connections between different representations of the same combination. Tell me what I understood properly. Tell me what you'd revise or add to the summary that I just offered.  Kristin: Yes. I think we get a false sense that a student understands a concept when they're recognizing pattern, and that could be that they're recognizing pattern in a really intentional setting. Maybe they're using a 10-frame. But is that same relationship present in another setting? Success should not be measured by one instance of a child recognizing that pattern. And so one way of knowing that a child knows this is to see it in many contexts. And I think that's why it's so important for us to acknowledge the research around multiple representations in mathematics. And showing that knowledge in these multiple ways really does say that this is a connected set of knowledge that I can refer to as a child and not just be successful on this one day. That doesn't mean that that experience where they're recognizing the patterns is not important, but that can't be the measure of their success.  So this also becomes challenging in our system that values assessment events so heavily and measuring against a set benchmark. And I just want to name that because that's a real challenge for teachers. And of course we want to develop this rich set of knowledge, and sometimes we have to say that this is the system that we live in. But the true measure of that knowledge is being able to take that knowledge and transfer it into these multiple representations or in these multiple spaces and be able to use that. And that's why we talk so much about fluency being flexible and not just about accuracy.  Mike: You have me thinking more deeply than I have in a long time about the structure of some of the visual models and the physical materials that children use when they're engaged with the Bridges curriculum. I wonder if we could get specific and talk about a few of the visual models that support student learning. Are there features that make some models particularly valuable?  Kristin: One I want to mention that we might not have talked about is just a child's fingers. I think sometimes we think child's fingers are not models for them because they're counting by 1 and we tend to want students to move to more efficient strategies. But these fingers actually become really efficient tools. We can exchange fingers, we can move them very easily. We have control, and they're always with us. And so the finger use itself, I think, is a really powerful tool for us to encourage students to use in very sophisticated ways.  Mike: I mean, we literally have units of 1, units of 5, and a unit of 10 at our fingertips in front of us. I'm so glad you called that out because that's a tool that students can make use of, that teachers can make use of and that we can think of in a slightly different way than we had in the past when I just thought about fingers as a counting-by-1 resource, when actually fingers, [a hand], and hands, plural, are 1s, 5s, and 10s right there in front of you.  Kristin: And they can stand in for other units if we're really sophisticated with sequences. So a 1 can be a 7 if we wanted it to be, and we can think really creatively about that. I mean, I think that depends on some other skills. But yeah, we have 1s, 5s, and 10s built right into our hands.  Mike: That's exactly right. And you're making me think about the fact that when I skip-count or when I see students skip-count, oftentimes what's happening is I'm speaking the unit out loud and I'm holding up one finger to stand in for that unit on my hand to keep track of the number of units. So I totally hear what you're saying.  Kristin: Yeah, very sophisticated. And then there's even more complex content, right? So thinking about hours and elapsed time, and we're crossing different kinds of numerical systems where you go from a 12 to a 1 is very complex, and then we can have these fingers as units as well to help us keep track of things. So of course, frames are a really powerful tool. Frames—specifically, 10-frames, 5-frames, 20-frames—provide an extra structure for students, especially when they're really thinking hard about some quantity pieces. So they might not be completely solid in that unit, but we don't have to say, "Oh, you have to count on first before we're going to try to explore some other patterns." Those things can be developing simultaneously. So frames provide this box that contains the unit for them and it becomes this really obvious count for them. They can see those individual discrete items, but they can also see what's missing really clearly because they're empty.  Bead racks are a great support as well when you're thinking about that relational network that we want students to develop and not count by 1s. So we can exchange beads, and we can exchange quantities, and we don't have to exchange beads one by one. Sometimes frames, when we get to a space, it's inconvenient to have to move five counters at the same time where in a bead rack, you can just slide those five over or three over at the same time.  I also want to mention linear bead racks. So taking that stacked bead rack and making it align really helps students think about a continuous model, which transfers to a number line and the idea of units being measurement. So we were talking about, "It's one away," and so really conceptualizing that kind of next decade of numbers and one bead away. That's developing that idea of relative magnitude that's extremely helpful when we get to middle school and all of a sudden we're working in negative numbers.  Mike: We're reaching the end of our time together. And before we go, I'm wondering if you could share contact information for Integrow Numeracy Solutions with our listeners. I'd really love to be able to offer that because we've just touched the surface of some of the ideas that you help educators explore in some of the training and the support that you all offer.  Kristin: Yeah. If you'd like to find out more about us, a great place to go is our website, which is www.integrowmath.org, all one word. And we have a lot of different things you can explore from our events. There is actually, if you add a backslash "blog" to that [www.integrowmath.org/blog], you can go to our blog and read some of the ways that we think about our professional learning and some of the topics that I talked about today. If you want to reach out directly, feel free to email info@integrowmath.org and someone will get you to the right place based on your question.  Mike: And for listeners, we'll put a link to both of those in the show notes. Before we leave, Kristin, I'll just ask one last question. Are there any recommendations that you have for folks interested in learning more about the ideas we've talked about today? It could be books, websites, articles, or even just a suggested practice for someone who wants to get started.  Kristin: Yeah. For sure, take a look at the blogs on our website. They're little snippets of pieces of our trainings that you can take right with you into the classroom. Some ideas that I've talked about—help with bead racks, ideas around multiplication and division, and supporting students to think about those units. Our new publication, On Track to Numeracy from [Lucinda] "Petey" MacCarty, Kurt Kinsey, [David Ellemor-Colons, and Robert J. Wright], is designed to be an accessible, relatable and practical tool focused on supporting classroom teachers. It not only has the progressions that I started this podcast off talking about, but it has those teaching tests and progressions that help us answer the question of, "What do I do next now that I can understand where my students are?" Mike: I think it's a great place to stop, Kristin. I want to thank you so much for joining us. It's really been a pleasure talking with you.  Kristin: Thank you for having me. I've had a great time.  Mike: This podcast is brought to you by The Math Learning Center and the Maier Math Foundation, dedicated to inspiring and enabling all individuals to discover and develop their mathematical confidence and ability.  © 2026 The Math Learning Center | www.mathlearningcenter.org

In this episode, we explore how CSX has curtailed operations at its major Chicago terminal to improve overall network efficiency and reduce transit times. We discuss the strategic shift of freight traffic to partner railways and the resulting union backlash surrounding the elimination of local yard jobs. Next, we head north to examine a massive wave of logistics investments sweeping across Canada, highlighted by a targeted $1.6 billion acquisition by Nippon Express. The country is also seeing major infrastructure expansions from Toyota, accelerated electric fleet rollouts from Coca-Cola, and enhanced cross-border compliance services. Finally, we break down how Triumph Financial posted a remarkably strong first quarter in its factoring division, successfully outperforming typical seasonal trends. We dive into the company's new core metrics focused on revenue growth and margins, as well as its successful integration of artificial intelligence to efficiently process millions of invoices. Follow the FreightWaves NOW Podcast Other FreightWaves Shows Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, we explore how CSX has curtailed operations at its major Chicago terminal to improve overall network efficiency and reduce transit times. We discuss the strategic shift of freight traffic to partner railways and the resulting union backlash surrounding the elimination of local yard jobs. Next, we head north to examine a massive wave of logistics investments sweeping across Canada, highlighted by a targeted $1.6 billion acquisition by Nippon Express. The country is also seeing major infrastructure expansions from Toyota, accelerated electric fleet rollouts from Coca-Cola, and enhanced cross-border compliance services. Finally, we break down how Triumph Financial posted a remarkably strong first quarter in its factoring division, successfully outperforming typical seasonal trends. We dive into the company's new core metrics focused on revenue growth and margins, as well as its successful integration of artificial intelligence to efficiently process millions of invoices. Follow the FreightWaves NOW Podcast Other FreightWaves Shows Learn more about your ad choices. Visit megaphone.fm/adchoices

Host Kevin Gormley is joined once again by Alex Whelan from Kaplan to help candidates prepare for the May Operational Case Study (OCS) exam. Whether you're early in your preparation or refining your technique, Kevin and Alex provide practical insights to help you focus on what matters most: applying your knowledge to the case with confidence. Good luck to all candidates! Building on the popularity of their February episode, Kevin and Alex focus on the May case study scenario featuring SOPA, a family‑owned restaurant business operating in a competitive market. The discussion provides practical guidance on how students should interpret the pre‑seen, identify exam‑relevant issues, and approach answers across all OCS core activities.  This episode is especially valuable for candidates sitting their first CIMA Case Study exam and transitioning from Objective tests to a fully integrated, scenario‑based assessment. It  offers a concise but comprehensive roadmap for tackling the May 2026 OCS exam.  Key Topics Covered Case Study Overview: SOPA SOPA is a family‑owned restaurant chain operating across nine locations. The business operates in a highly competitive hospitality sector with tightening margins. Strong revenue growth and profitability, but operational and strategic risks are emerging. Heavy reliance on customer reviews, staff morale, and brand reputation. Industry themes include: Rising labour and food costs Low consumer confidence Staffing shortages Cost‑of‑living pressures   Strengths and Risks in the Pre‑Seen: Positives Strong revenue and gross margin growth (outperforming the market) Healthy cash position and working capital Loyal customer base and sustainability credentials Standardised menus and processes   Strengths and Risks in the Pre‑Seen: Risks & Weaknesses Declining customer reviews High staff turnover and morale concerns High fixed‑cost base Dependence on single suppliers Potential over‑expansion risks   Expansion & Strategic Decisions Potential exam‑relevant initiatives discussed in the pre‑seen included: Opening new restaurants Launching a ghost kitchen Developing a branded dips product line Entering a new foreign market Exploring AI and digital ordering technology The move from B2C to B2B activities is highlighted as a significant operational and financial risk area that candidates should prepare to address.   Exam Focus: Core Activities Breakdown Alex walks through all six OCS core activities, highlighting what candidates should expect and where SOPA‑specific issues may arise: Core Activity A – Costing Marginal costing vs absorption costing New syllabus focus: Environmental and quality costing Digital vs traditional costing (apps, online ordering, IT support costs) Cost of quality (prevention, appraisal, internal & external failure) Core Activity B – Budgeting & Forecasting Incremental vs zero‑based budgeting (ZBB) Forecasting and seasonal trends Rolling budgets and beyond budgeting Importance of clearly explaining ZBB steps Core Activity C – Performance Management KPIs (occupancy rates, sustainability, quality, staff metrics) Variance analysis (including mix variances) Use of attachments and data in answers Core Activity D – Accounting & Reporting Reduced weighting but still examinable PPE decisions (buy vs lease) Inventory valuation (IAS 2) Capitalisation and depreciation Implications of sustainability investments (e.g. vertical farming) Core Activity E – Decision Making Relevant and incremental cash flows Outsourcing vs in‑house production (dips, ghost kitchen) Decision trees and expected values Linear programming and constraints Weighted average benefit analysis Core Activity F – Risk & Working Capital Inventory management (EOQ vs JIT) Working capital cycle (negative cycle at SOPA) Receivables emergence from B2B expansion Factoring and invoice discounting Cash surplus management and over‑trading risks How the Exam Is Marked Alex explains CIMA's four assessment pillars: Technical understanding Communication & professional tone Use of information provided (attachments) Application to the scenario   Key advice Refer to SOPA frequently — name the company, people, products, and locations. Use clear sub‑headings and structured answers. Justify recommendations clearly. Use planning time effectively. No calculations required — focus on explanation and application. Exam Tips & Final Advice Expect questions around ghost kitchens, expansion, and B2B risks Practice with mock exams and review model answers Focus on structure, relevance, and professionalism Remember: you must advise SOPA, not write generic theory Useful Links Finance Leadership Program: https://enroll.cgma.org CGMA Hub with Case Study Resources & Mock Exams Thanks for listening. It takes just a couple of minutes to share your feedback here. About Us The CGMA Finance Leadership Programme (FLP) is the online pathway to the prestigious Chartered Institute of Management Accountants' Professional Qualification. Find out more about the FLP at https://enroll.cgma.org/ Get in touch with show host Kevin Gormley via LinkedIn. Contact the podcast team at podcast@aicpa-cima.com This is a podcast from AICPA & CIMA, together as the Association of International Certified Professional Accountants. To enjoy more conversations from our global community of accounting and finance professionals, explore our network of free shows here.  

Daniel Lam looks into the recent ECB and BOJ meetings, the implications of the elevated energy prices on their stance, and what it means for investors.Speaker: - Daniel Lam, Head, Cross-Asset Derivative Strategy, Standard Chartered BankFor more of our latest market insights, visit Market views on-the-go or subscribe to Standard Chartered Wealth Insights on YouTube.

In this episode, Carl explores the tension between what's rational on paper and what's workable in real life. Spreadsheets say to invest lump sums immediately, keep low-interest debt, and avoid holding excess cash. The math is often right. But the spreadsheet doesn't model loss aversion, regret, sleep, or the behavioral breaking point of being human. Strategies like dollar-cost averaging or paying off a mortgage may be mathematically suboptimal but psychologically stabilizing. Carl argues that these choices are often a form of emotional insurance, not mistakes. The key is simply to name them honestly: Sometimes the smartest line in the spreadsheet is the human factor.Want more from Carl? Get the shortest, most impactful weekly email on the web! Sign up for the Weekly Letter from Certified Financial Planner™ and New York Times columnist Carl Richards here: https://behaviorgap.com/ 

Analysts Don Kellogg and Roger Entner are joined by Hanish Bhatia from AtomInsights to discuss the company's recent acquisition by Recon Analytics and how the deal will significantly expand Recon's data capabilities and value to clients.00:00 Episode intro 00:22 Acquisition announcement 03:15 Tracking the entire customer journey 04:47 International reach and advanced analytics 06:10 Database integration and capabilities 09:56 AI use for data precision 10:31 Factoring in macroeconomics 11:35 Speed advancements and future expansion 12:59 Enhanced value for semiconductor clients 14:13 Improved sample sizes 14:38 Roger's letter from Total Wireless 15:28 Episode wrap-upTags: telecom, telecommunications, wireless, prepaid, postpaid, cellular phone, Don Kellogg, Roger Entner, Hanish Bhatia, AtomInsights, statistics, devices, Canada, international, network, speed, AI, databases, semiconductors, NPS, Total

Es ist ein Finanzierungsinstrument, das im deutschen Mittelstand allgegenwärtig ist – im M&A-Kontext aber erstaunlich oft unterschätzt wird: Factoring. Wenn wir über Akquisitionsfinanzierungen sprechen, denken viele zuerst an andere Finanzierungsinstrumente. Factoring wird häufig eher als operatives Working-Capital-Tool wahrgenommen. Kann es auch rund um das Closing strategische Effekte entfalten, also zusätzliche Liquidität generieren, die Bilanz entlasten oder Covenant- und Leverage-Effekte positiv beeinflussen? Unter anderem um diese Fragen geht es in dieser Episode unseres Podcast mit Co-Gastgeber Markus Lunz von der TARGOBANK.

The groundbreaking Pinnacle Architecture paper has sent shockwaves through the quantum computing industry by demonstrating that RSA-2048 encryption could potentially be cracked with just 100,000 physical qubits. This is a massive order-of-magnitude reduction from previous estimates that once reached into the millions. Join host Konstantinos Karagiannis as he sits down with Felix Thomsen and Paul Webster from Iceberg Quantum as they explain the techniques in the paper and its serious potential ramifications. By leveraging high-efficiency LDPC codes and a novel modular architecture, the team explains how they've bridged the gap between theoretical quantum error correction and practical hardware implementation, effectively accelerating the timeline toward Q-Day. More than one quantum computing hardware roadmap has us reaching 100,000 physical qubits before 2030! And there's no reason to believe future work couldn't lower the qubit requirements even more.   Beyond the security implications, the architecture is also a blueprint for the first generation of utility-scale quantum systems. Thomsen and Webster detail how their modular design—featuring dedicated processing units, magic engines, and shared memory—can be optimized for “slow” hardware like trapped ions or applied to life-changing scientific breakthroughs in quantum chemistry and material science. Whether you are a cryptographer bracing for the post-quantum transition or a scientist eager to see the first practical applications of fault-tolerant quantum computing, you'll need to understand this paper's potential impact.   For more information on Iceberg Quantum, visit https://www.iceberg-quantum.com/.     To read the Pinnacle paper: https://arxiv.org/abs/2602.11457. Visit Protiviti at www.protiviti.com/US-en/technology-consulting/quantum-computing-services  to learn more about how Protiviti is helping organizations get post-quantum ready.  Follow host Konstantinos Karagiannis on all socials: @KonstantHacker and follow Protiviti Technology on LinkedIn and X: @ProtivitiTech.             Questions and comments are welcome!  Theme song by David Schwartz, copyright 2021.  The views expressed by the participants of this program are their own and do not represent the views of, nor are they endorsed by, Protiviti Inc., The Post-Quantum World, or their respective officers, directors, employees, agents, representatives, shareholders, or subsidiaries.  None of the content should be considered investment advice, as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, or other securities or non-securities offering. Thanks for listening to this podcast. Protiviti Inc. is an equal opportunity employer, including minorities, females, people with disabilities, and veterans.  

Carlos Dalmau, presidente de la Asociación Española de Factoring, hace balance del cierre de 2025 que ha sido un año récord.

Paul Auslander, President of SeaBridge Private Wealth, a division of SeaBridge Investment Advisors LLC joins the Chuck Toddcast for a wide-ranging conversation about the intersection of money, markets, and the current political moment. Auslander walks through how the political climate now factors directly into financial planning projections, noting that European indices doubled the S&P's performance last year as capital flows shift overseas, and that a growing number of wealthy clients are hedging by moving money out of the United States. He offers candid takes on the issues keeping investors up at night: the inevitability of Social Security cuts (though he argues simply pushing retirement age from 67 to 69 would stabilize the fund), the likely future of Social Security privatization, crypto's evolution from a technological revolution into a special interest that bought its own policy outcomes, and whether there's money to be made off bad Trump policies that are likely to be reversed. Auslander also explains why the bond market is a better barometer of economic health than the stock market, why private equity is sitting on mountains of sidelined capital, and why he remains cautiously bullish on 2026 — largely because AI is only in the "second inning" and massive disruption is still ahead. The conversation also ventures into territory financial planners don't usually discuss publicly. Auslander addresses whether the wealthy are worried the "pitchforks are coming for them," pointing to economic anxiety driving a spike in gun sales and a pop culture landscape that increasingly portrays corporations and the ultra-rich as villains. He breaks down the rise of family offices — private wealth management firms for the ultra-wealthy that take a long-term investment view — and explains why companies increasingly choose to stay private thanks to nearly unlimited private capital, rather than face the scrutiny of public markets. They also dig into the generational divide between investing and gambling, the casino-like nature of prediction markets, and the burden that post-Lehman Brothers insurance and regulatory requirements have placed on small businesses and regional banks that had nothing to do with the 2008 financial crisis. Auslander closes with a pointed message: that Fed independence and the rule of law are paramount to economic stability, and that centrism — not ideological extremism — remains the best way to run the country. Go to https://zbiotics.com/CHUCKTODDCAST and use CHUCKTODDCAST at checkout for 15% off any first time orders of ZBiotics probiotics.” Protect your family with life insurance from Ethos. Get up to $3 million in coverage in as little as 10 minutes at https://ethos.com/chuck. Application times may vary. Rates may vary. Thank you Wildgrain for sponsoring. Visit http://wildgrain.com/TODDCAST and use the code "TODDCAST" at checkout to receive $30 off your first box PLUS free Croissants for life! Link in bio or go to https://getsoul.com & enter code TODDCAST for 30% off your first order. American Finance Disclaimer: NMLS 182334, nmlsconsumeraccess.org. APR for rates in the 5s start at 6.196% for well qualified borrowers. Call 866-885-1081, for details about credit costs and terms. Or https://apply.americanfinancing.net/thechucktoddcast Timeline: (Timestamps may vary based on advertisements) 00:00 Paul Auslander joins the Chuck ToddCast 01:30 Paul’s origin story 02:45 Financial planning was mostly done by insurance companies in 70’s 03:30 Northerners move to FL for taxes & weather, but FL is pushing it socially 06:00 Fiduciary responsibility is the line of demarcation in financial planning 07:00 Factoring the political climate into financial planning projections 08:30 European index doubled the performance of the S&P last year 09:30 Tax policy is generally the biggest concern for investors 12:00 A cut to social security payments is bound to happen 13:00 If you push retirement from 67 to 69 the SS fund becomes healthy 15:15 Social security privatization likely to happen in the future 17:15 Money to be made off bad Trump policies that are likely to go away? 18:15 Crypto became a special interest & bought support for pro crypto policy 20:00 Crypto is a revolution that predates Trump & will outlast him 21:30 Lesson to be learned from rise then collapse in price of silver? 22:30 Central banks are buying silver, gold and assets 24:00 How many people are hedging by moving money out of the U.S.? 24:45 Europe is spending big money on arms & infrastructure 26:00 Definition of a “Family Office” 28:30 Family office investments are increasingly popular & take the long view 30:00 Are the investors/wealthy worried the pitchforks are coming for them? 31:30 Economic anxiety driving a spike in gun sales 33:00 Pop culture portrays corporations & wealthy as the villains 34:30 Private equity has a lot of money on the sideline, looking for investments 37:30 The burden of insurance requirements on small business 40:00 Small & regional banks paying for the sins of Lehman Brothers 41:00 Companies stay private due to near unlimited private capital 41:45 Do young people like investing… or do they just like gambling? 42:45 Thoughts on prediction markets? 44:00 There’s a casino like approach to certain markets 45:15 If the house flips, you could see money get withdrawn from markets 46:30 How do Trump’s relationships with world leaders affect projections? 47:45 The bond market is more indicative of economic health than stock market 48:45 Uncertainty will impact earnings 49:15 Why are you feeling bullish on 2026? 51:30 AI is only in the 2nd inning. Disruption is coming 54:30 Thom Tillis sounds like a different man now that he’s retiring 55:30 Centrism seems like the best way to run the country 57:30 AI won’t be replacing financial advisors anytime soon 59:45 What’s one question you want every presidential candidate to answer? 1:00:15 Fed independence and rule of law are paramountSee omnystudio.com/listener for privacy information.

In this episode recorded immediately after Trump's record-breaking 108-minute State of the Union address, Chuck Todd argues that while Trump's base will love the "own the libs" moments — from trolling Democrats in the chamber to the raucous "USA" chants from Republicans — the speech was fundamentally a missed opportunity that did nothing to help the GOP heading into the midterms. He contends that Trump chose to be a party leader rather than a president, turning the address into something resembling an award show by packing it with medal presentations, the Olympic men's hockey team, honorees who deserved more dedicated recognition rather than being used as applause props in an already bloated speech. He argues that Trump's tone on the economy couldn't have been worse for Republicans: with his approval at 60% disapproval and the Supreme Court having just struck down his tariffs days earlier, Trump barely addressed voters' core concerns about costs and affordability, instead declaring a "turnaround for the ages" that doesn't match most Americans' lived experience. He notes Trump’s highlighting of Iran's ballistic missiles sounded like a pretext for war that won't play well with parts of his own base. He praises Virginia Governor Abigail Spanberger's Democratic response as simple and effective — particularly her pointed questions about whether the president is actually working to make life more affordable — and argues she clearly won over independents. He closes with a bigger-picture observation: that there's a 60% majority coalition available on populist economic issues like protecting the safety net from cuts to fund tax breaks for the wealthy, but that Democrats still have a damaged brand despite Trump's terrible numbers, and that voters who thought they were getting first-term Trump are reckoning with something very different. Then, Paul Auslander, President of SeaBridge Private Wealth, a division of SeaBridge Investment Advisors LLC joins the Chuck Toddcast for a wide-ranging conversation about the intersection of money, markets, and the current political moment. Auslander walks through how the political climate now factors directly into financial planning projections, noting that European indices doubled the S&P's performance last year as capital flows shift overseas, and that a growing number of wealthy clients are hedging by moving money out of the United States. He offers candid takes on the issues keeping investors up at night: the inevitability of Social Security cuts (though he argues simply pushing retirement age from 67 to 69 would stabilize the fund), the likely future of Social Security privatization, crypto's evolution from a technological revolution into a special interest that bought its own policy outcomes, and whether there's money to be made off bad Trump policies that are likely to be reversed. Auslander also explains why the bond market is a better barometer of economic health than the stock market, why private equity is sitting on mountains of sidelined capital, and why he remains cautiously bullish on 2026 — largely because AI is only in the "second inning" and massive disruption is still ahead. The conversation also ventures into territory financial planners don't usually discuss publicly. Auslander addresses whether the wealthy are worried the "pitchforks are coming for them," pointing to economic anxiety driving a spike in gun sales and a pop culture landscape that increasingly portrays corporations and the ultra-rich as villains. He breaks down the rise of family offices — private wealth management firms for the ultra-wealthy that take a long-term investment view — and explains why companies increasingly choose to stay private thanks to nearly unlimited private capital, rather than face the scrutiny of public markets. They also dig into the generational divide between investing and gambling, the casino-like nature of prediction markets, and the burden that post-Lehman Brothers insurance and regulatory requirements have placed on small businesses and regional banks that had nothing to do with the 2008 financial crisis. Auslander closes with a pointed message: that Fed independence and the rule of law are paramount to economic stability, and that centrism — not ideological extremism — remains the best way to run the country. Finally, Chuck presents his updated ToddCast Top 5 list of senate seats most likely to flip in the midterms and answers listeners’ questions in the “Ask Chuck” segment. Go to https://zbiotics.com/CHUCKTODDCAST and use CHUCKTODDCAST at checkout for 15% off any first time orders of ZBiotics probiotics.” Protect your family with life insurance from Ethos. Get up to $3 million in coverage in as little as 10 minutes at https://ethos.com/chuck. Application times may vary. Rates may vary. Thank you Wildgrain for sponsoring. Visit http://wildgrain.com/TODDCAST and use the code "TODDCAST" at checkout to receive $30 off your first box PLUS free Croissants for life! Link in bio or go to https://getsoul.com & enter code TODDCAST for 30% off your first order. American Finance Disclaimer: NMLS 182334, nmlsconsumeraccess.org. APR for rates in the 5s start at 6.196% for well qualified borrowers. Call 866-885-1081, for details about credit costs and terms. Or https://apply.americanfinancing.net/thechucktoddcast Timeline: (Timestamps may vary based on advertisements) 00:00 Chuck Todd’s introduction 03:15 Trump’s base will love “own the libs” moments from SOTU 04:30 Most of Trump’s base was celebrating himself & animating his base 05:15 Trump’s tone on the economy couldn’t have been worse for GOP 06:30 Trump hid behind the glory of others, turned speech into award show 07:45 Awards are an incredible honor, deserved more time & recognition 09:30 Hopefully the recipients get dedicated events to honor them 10:00 Overloading the speech with awards felt a bit gimmicky 11:00 Trump mostly bit his tongue when addressing SCOTUS 11:30 Trump chose to be a party leader rather than president, trolled Dems 12:15 Spanberger’s response to SOTU was simple & effective 14:00 Spanberger definitely did better with independents than Trump 14:45 Trump’s proposal to make AI companies provide their power is a winner 15:15 Trump highlighting Iran’s ballistic missiles sounds like a pretext for war 16:30 Attacking Iran won’t play well with parts of Trump’s base 17:30 Trump didn’t talk about Venezuelan democracy, just oil 18:15 Trump’s still working with the Maduro regime 19:45 Are we trying to prevent Iranian nukes, or attempting regime change? 20:30 Trump claiming credit for getting Mexican cartel leader is a big faux pax 21:45 Allies feel like Trump will sell them out just so he can take credit 22:30 Trump didn’t address voters concerns on costs & the economy 23:45 Trump is better on the attack than defending his record 24:30 The speech didn’t give Republicans a boost for the midterms 25:30 Most Americans don’t support cutting safety net for tax cuts 27:30 There’s a 60% majority to be had on economic issues, not cultural ones 29:15 Voters keep picking the out party 30:30 There’s a majority coalition to be won with populist economic policy 32:30 This could be a moment for candidates to shed the party label 33:00 Democrats will have a strong midterm just being against Trump 33:45 Class politics could create a strong majority 35:30 Voters thought they’d get 1st term Trump, not what they’re getting 45:30 Paul Auslander joins the Chuck ToddCast 47:00 Paul’s origin story 48:15 Financial planning was mostly done by insurance companies in 70’s 49:00 Northerners move to FL for taxes & weather, but FL is pushing it socially 51:30 Fiduciary responsibility is the line of demarcation in financial planning 52:30 Factoring the political climate into financial planning projections 54:00 European index doubled the performance of the S&P last year 55:00 Tax policy is generally the biggest concern for investors 57:30 A cut to social security payments is bound to happen 58:30 If you push retirement from 67 to 69 the SS fund becomes healthy 1:00:45 Social security privatization likely to happen in the future 1:02:45 Money to be made off bad Trump policies that are likely to go away? 1:03:45 Crypto became a special interest & bought support for pro crypto policy 1:05:30 Crypto is a revolution that predates Trump & will outlast him 1:07:00 Lesson to be learned from rise then collapse in price of silver? 1:08:00 Central banks are buying silver, gold and assets 1:09:30 How many people are hedging by moving money out of the U.S.? 1:10:15 Europe is spending big money on arms & infrastructure 1:11:30 Definition of a “Family Office” 1:14:00 Family office investments are increasingly popular & take the long view 1:15:30 Are the investors/wealthy worried the pitchforks are coming for them? 1:17:00 Economic anxiety driving a spike in gun sales 1:18:30 Pop culture portrays corporations & wealthy as the villains 1:20:00 Private equity has a lot of money on the sideline, looking for investments 1:23:00 The burden of insurance requirements on small business 1:25:30 Small & regional banks paying for the sins of Lehman Brothers 1:26:30 Companies stay private due to near unlimited private capital 1:27:15 Do young people like investing… or do they just like gambling? 1:28:15 Thoughts on prediction markets? 1:29:30 There’s a casino like approach to certain markets 1:30:45 If the house flips, you could see money get withdrawn from markets 1:32:00 How do Trump’s relationships with world leaders affect projections? 1:33:15 The bond market is more indicative of economic health than stock market 1:34:15 Uncertainty will impact earnings 1:34:45 Why are you feeling bullish on 2026? 1:37:00 AI is only in the 2nd inning. Disruption is coming 1:40:00 Thom Tillis sounds like a different man now that he’s retiring 1:41:00 Centrism seems like the best way to run the country 1:43:00 AI won’t be replacing financial advisors anytime soon 1:45:15 What’s one question you want every presidential candidate to answer? 1:45:45 Fed independence and rule of law are paramount 1:47:30 Chuck’s thoughts on interview with Paul Auslander 1:48:45 ToddCast Top senate seats most likely to flip in midterms 1:49:00 #1 North Carolina 1:50:45 #2 Maine 1:53:45 #3 Michigan 1:58:15 #4 Alaska 2:01:15 #5 Texas 2:06:30 Honorable mentions: South Dakota & Minnesota 2:11:30 Ask Chuck 2:11:45 Promoting tariffs & AI have to only be bad for Trump? 2:12:45 Can Republicans not endorsed by Trump win their primaries? 2:14:15 Will lifting pesticide bans cause MAHA voters to turn on Trump?See omnystudio.com/listener for privacy information.

Today we're breaking down what we want to think about, prioritise and potentially implement when it comes to setting up our morning, if we train early

In this short episode, I remind you to keep your new healthy nutrition plans simple. We are only seven weeks into the new year and subsequently some are still contemplating making changes to their diets / eating habits. Nutrition is a vast subject, of which would take a multitude of episodes to barely scratch the surface. With this in mind, as a personal trainer, I often suggest clients keep their weight loss or body fat reduction plans simple, when it comes to the early stages of nutrition changes. It's tempting for new clients to over analyze their weekly food shop, with the influx of internet trends and social media marketing of the next 'superfood' or 'magic formula supplement'. My advice is to avoid overthinking and make a relatively small list of foods to buy and consume on a consistent basis, at least until you have made inroads into weight management. Factoring in your preferences for taste or any allergies, its way easier to maintain a healthy diet, given less options, rather than too many to chose from, which can lead to stagnation and even resorting back to poor choices. As you become disciplined with your nutrition, its okay to add a cheat meal or dine out once a month to enjoy eating, as you now course correct instantly and continue with your basic calorie consumption. Regarding supplementation, always ensure your actual food intake habits are dialed in before purchasing exotic sounding drinks, pills, tablets and potions, promising to make you look and perform better. Money is often wasted on supplements, as its far more exciting or time saving, than food shopping and preparation, given our hectic lifestyles and schedules. Take into account, you are still relatively new to a healthy diet and subsequently your body may be slow to change, as we all respond differently, given our starting points (weight, height, shape, sex, professions and sleep habits). Supplements can be addressed at a later stage, as you'll now be more aware of your physiology, through basic, safe and consistency in the kitchen. Should you give in to temptation and load up on supplements too early into your new healthy diet, it can create confusion as to what makes the most changes and perhaps lead you down the path of searching for your next fix of fat loss pills or slimming wonder drinks. Make a list, add your tuna and bananas and get to it. Trust me you'll develop a healthy relationship with food, rather than becoming obsessed over too many choices. Watch the short episode on YouTube and listen on Spotify or Amazon Music. Feel free to comment and subscribe to the channel. Thanks for listening.

Fuel prices just jumped again — up nine cents this week — and for small carriers, that's not a market trend, that's a problem. In this episode of The Long Haul, Adam sits down with Zach Buckner, Senior VP of Sales at OTR Solutions, to dig into what really separates good financial partners from the ones who quietly drain your margins. Zach shares his journey from sales executive to senior leadership, the lessons he's learned from a decade in the factoring space, and why OTR is betting big on transparency, speed, and innovation to support small carriers when the market tightens. This is a conversation between two people who live it — not a sales pitch. If you're an owner-operator or small fleet trying to manage cash flow and fuel spikes at the same time, this one's for you. Follow The Long Haul Podcast Other FreightWaves Shows Learn more about your ad choices. Visit megaphone.fm/adchoices

Ed, Rob, and Jeremy took some time from Wednesday's BBMS to discuss Steve Bisciotti's decision to get the players' input before moving from John Harbaugh. Did he do the right thing? Do the players deserve to have input?

Join hosts David Stone and Susan Weber, along with special guest Clare Lizotte, as they take a deep dive into AI integration best practices for financial institutions. In part one of this three-part series, BerryDunn's experts share insights on: Aligning AI initiatives with overall business strategy and long-term goals Factoring in change management and focusing on data readiness Managing risks such as bias, explainability, and regulatory compliance Calculating risks and developing internal controls for AI use

Jason Chats with Emily Vincent.

What really makes a short-term rental unforgettable—and consistently five-star worthy?In this episode, we sit down with Allegra Muzzillo—editor-turned-designer, superhost, and one of the sharpest minds in STR design—to uncover the secrets behind creating guest-ready spaces that truly stand out.Allegra shares her fascinating journey from the fast-paced world of NYC publishing to crafting beautifully designed, highly functional rentals. We dive into the exact design decisions that matter most: choosing durable, cleaner-friendly materials, standardizing essentials to streamline turnovers, and integrating thoughtful local touches without falling into overdone clichés.Whether you're a seasoned host looking to elevate your listings or setting up your very first property, this episode is packed with real-world, actionable strategies to help you boost guest satisfaction, simplify operations, and increase profitability.

Yogev Debbi and Prof Avi Schroeder (Technion Israel Institute of Technology), co-founded Mana bio along with Dr. Kira Radinsky and Roy Nevo. They are leveraging data, machine learning and high throughput screening to design novel Lipid NanoParticles for targeted extrahepatic delivery of nucleic acid therapeutics and vaccines. Lipid nanoparticles are microscopic fatty bubbles that deliver genetic medicines into your cells—think of them as the FedEx trucks of molecular biology. Remember the mRNA vaccines that saved millions during COVID? They used lipid nano particles as the delivery vehicle.. The little secret behind those vaccines is that we got lucky. Those lipid nanoparticles worked beautifully for the liver and immune system. But if you try to deliver RNA to your brain, your lungs, or a tumor, those would be a massive failure! Scientists are still running thousands of experiments hoping to stumble onto the right formulation. This actually was my postdoc work as well, which makes this episode very special. I always wished there was a better way to design these delivery vehicles—and that's exactly what today's guests have built with AI." We talk about how they founded and currently building Mana Bio- a big part around how biologists and chemists can interact with technologists, especially data and AI geeks to build something important. Their story provides a great framework for scientists and tech folks to work together. Shownotes: https://www.mana.bio/ How Avi got started using data/AI to design LNPs Optimizing LNP formulations targeting different organs Working with Bob Langer and Dan Anderson @MIT Yogev transitioning to gene editing Defining the problem & cross disciplinary conversations and projects Language that helps interactions between scientists and software/AI folks Deepdive into the platform- building data sets Data scraping, validation, improvisation, new data generation (both positive and negative data) Cleaning data and normalization Work in the wet lab: 'I trust my colleagues and believe data can be replicated" Data moats: Proprietary data vs public data Daily routine in the lab and interactions with the data/AI team Cross Functional dynamics Scientists trying to save money vs optimizing for more valuable time Lab hypothesis predictions vs AI predictions: competitive spirit Factoring in errors by the machines and humans Business model: Building customized solutions for drug delivery Potentially becoming a pharma company Regulatory affairs Fears that keep them up Dynamics of a diverse founding team: Roy Nevo and Dr. Kira Radinsky (the other two co founders) Message to academia: "Publish more data- including failures. This will accelerate science" Omri Drory, Kira Radinsky https://www.youtube.com/watch?v=y5hX3vq3iNk

What's really driving carrier success in a tough freight market? And how are factoring, automation, and fraud prevention reshaping the way trucking companies stay alive and profitable?  Listen to Grace Maher from OTR Solutions, our first guest this week, speaking about how factoring has evolved into a strategic financial tool for most small carriers. Grace digs into how modern factoring helps carriers stay organized, invoice faster, and build stronger broker relationships through better vetting and automated fraud detection, and how OTR's instant funding puts money in carriers' accounts within seconds, even on weekends, giving small trucking businesses the stability they need to keep moving. We also hit on the need for better broker rating systems across the industry, the role of automation in eliminating document headaches, and why clean, accurate, fast invoicing is becoming just as important as on-time delivery!   About Grace Maher Grace is the COO of OTR Solutions, America's most trusted freight fintech company. OTR Solutions provides industry-leading technology and financial services, tools, and support to help carriers start and grow a successful operation. Trucking companies and Brokerages of all sizes turn to OTR to receive reliable financing and back-office solutions, fuel programs, up-to-date news and education, and technology and innovation to prepare them for anything and everything.  Driven by a passion for building success-driven processes and products, Grace combines over fourteen years of industry experience with a relentless commitment to innovation. Her strategic approach has not only fueled business growth but also scaled operations efficiently, with a sharp focus on optimizing operational expenditures.   Connect with Grace Website: https://otrsolutions.com/  LinkedIn: https://www.linkedin.com/in/gracemaher/  

Factoring, a financial practice where businesses sell unpaid invoices for immediate cash, underpins trillions in global commerce, with global volumes nearing €3.8 trillion in 2023

In this episode of the Supply Chain Podcast, host Thomas O'Connor discusses with Tamera Fenske, Kimberly-Clark's chief supply chain officer, how the leading consumer goods manufacturer traverses the peaks and valleys of the ever-evolving consumer landscape. Fenske details how Kimberly-Clark adjusts to these challenges with agility and makes changes within the organization to adapt to shifting consumer expectations.This episode explores:How consumers balance price-sensitivity with the desire for quality. (1:24)How Kimberly-Clark's supply chain works with the R&D and commercial divisions on product construction, product design and various cost elements. (2:57)Responding to the global market with agility and speed. (6:51)Building strong relationships with C-suite stakeholders. (10:21)Factoring strategy with talent in meeting organizational goals. (15:03)Tamera Fenske is a CPG supply chain leader who has worked in a variety of manufacturing and supply chain leadership roles and is known for unlocking best-in-class capabilities across a range of technologies, innovations and go-to-market models. As chief supply chain officer for Kimberly-Clark, Tamera has global responsibility for the enterprise supply chain's end-to-end manufacturing and distribution footprint, as well as the functional support areas, including procurement, quality, sustainability, occupational health and safety, strategy and capital engineering. Prior to joining Kimberly-Clark in 2022, Tamera served as senior vice president of manufacturing and supply chain for 3M Company, where she led end-to-end supply chain in the U.S. and Canada across all of its business groups and markets. During her 22-year tenure with 3M, she held various senior roles leading manufacturing, supply chain and operations for many of the company's global businesses, as well as plant management. She brings additional prior experience from Marathon Ashland Petroleum and Dow Chemical Company. She holds a bachelor's degree in environmental engineering from Michigan Technological University and has been a frequent presenter at supply chain leadership and manufacturing conferences, sharing her perspective on factory-of-the-future strategies and their impact on the bottom line, advanced process control applications that reduce variability and adopting scalable automation solutions to drive an end-to-end supply chain. Outside of work, Tamera enjoys spending time with her family and friends, hiking with her two dogs, traveling, scuba diving and enjoying the great outdoors.  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Bryan Alsobrooks is President of Phoenix Capital Group (PCG). PCG is a wholly-owned subsidiary of Gulf Coast Bank & Trust Company and is a nationally recognized provider of working capital solutions to small- to medium-sized transportation companies.  Financing solutions include asset-based lending, accounts receivable financing and factoring, equipment financing and fuel card services.  Headquartered in Scottsdale, Arizona, with additional offices in Fruitland, Idaho, Baton Rouge, Louisiana and Chattanooga, Tennessee. Mr. Alsobrooks has over 32 years commercial finance experience and more than 25 years in the transportation industry. Mr. Alsobrooks is active with the International Factoring Association and has served as past Chairman and Vice Chairman for the North American Credit Manager's National Transportation Credit Group. Mr. Alsobrooks received a Bachelor of Business Administration degree from Austin Peay State University. Learn more about your ad choices. Visit megaphone.fm/adchoices

There are always a few class members who, after a while, begin to progress at a very slow rate or become stagnant in their performance. This is often met with frustration and sometimes inaction, which raises the question of whether some people actually want to improve or if they are content simply turning up. This week, we discuss how class members might be able to improve and progress without necessarily doing additional work. Sometimes, having better intention and pulling the right levers can go a long way. If you're not already subscribed to our newsletter, head over to www.legionsc.com to get a weekly selection of training tips and our favorite articles. We run online workshops for coaches as well. Find out when our next workshop is here: https://legionsc.com/program-design-workshops These podcasts are posted in video format on YouTube as well. Show Notes: [2:00] Do people need to do extras on top of class [4:30] When behaviours are not aligned with goals [6:45] You have to care enough to take action [9:30] Improving or just always doing new things [14:00] Factoring in someone's starting point [15:30] Many just need a bit of intention [22:30] Pros and cons of competitiveness

Think you're saving money with cheap truck tires? Think again. In this episode, we sit down with Matt Gibbs from Ozarko Tire to reveal the real costs of poor tire choices, the truth about retreads, and why tire maintenance can make or break your bottom line. Whether you're an owner-operator, fleet manager, or just someone in the trucking industry, this conversation will change the way you think about your tire program. You'll discover: The hidden difference between Tier 1 and Tier 4 tires How retreads can slash your cost per mile The #1 cause of roadside breakdowns (and how to prevent them) Why “cheap” tires often cost you more in the long run How to choose the right tire for your specific hauling needs

Most trucking companies are running unsafe—and they don't even know it. In this episode, Jared Flinn sits down with safety expert Sam Watts to uncover the hidden risks, legal traps, and overlooked safety violations that could destroy your trucking business.

In this episode, Alex sits down with Bill Campbell, PhD, to discuss his soon-to-be groundbreaking work in menopause fitness research. Dr. Campbell shares insights from conducting the first-ever survey on menopause fitness and his ongoing efforts to establish new research beyond the initial survey, particularly focusing on finding answers to fat loss resistance during menopause. Listen in as Alex and Dr. Campbell bridge the gap between cutting-edge research and real-world application for those navigating fitness during menopause and beyond.If YOU'RE ready to make real, sustainable change in your life, jump on a free call with us - https://physiquedevelopment.typeform.com/to/ToP9TYLEAs always, it is our goal not only to supply you, the listener, with valuable insights on the topics or questions but also to plant some seeds for further research and thought. Be sure to like and subscribe and leave us a review if you loved this episode!Timestamps:(0:00) Introducing Bill Campbell, PhD(0:44) Conducting the FIRST ever survey on menopause fitness(6:20) Establishing new research beyond the survey (finding answers to fat loss resistance)(10:57) The effects of aging on muscle gain, loss, & retention(18:56) The hierarchy of protein needs as we age(26:30) Where Bill's interests lie when it comes to menopause research(31:13) Factoring in sleep & its effects on hormones during menopause(33:09) Pulling the curtain back on the research publication process(40:44) Cardio vs weight training for fat loss(45:43) The latest research on rapid fat loss(51:16) Putting the research into practice(53:04) Alex's current self-micro-experiment(54:29) Wrap-upConnect with Bill online:IG - https://www.instagram.com/billcampbellphdSubscribe to Body By Science - https://billcampbellphd.comHave questions or comments for us? Submit them here - https://forms.gle/AEu5vMKNLDfmc24M7Check out our FREE 4-Week Glute Program - https://bit.ly/podcastglutesAnd keep the gains rolling with 12 MORE weeks of glute growth (use code POD at checkout for $25 off!) - https://train.physiquedevelopment.com/workout-plans/963551Follow us on Instagram:Coach Alex - https://www.instagram.com/alexbush__Coach Sue - https://www.instagram.com/suegainzPhysique Development - https://www.instagram.com/physiquedevelopment_Physique Development Podcast - https://www.instagram.com/physiquedevelopmentpodcastInquire to learn about nutrition-only coaching WITH exercise review - https://bit.ly/optimizeglutesInterested in the Physique Development Training Club App? Join here! - https://physiquedevelopment.appKeep up-to-date with all things PD, get exclusive content, snag freebies, and more by joining our email list! - https://dedicated-artist-6006.ck.page/emailsignupGrab a band tee here! - https://shopphysiquedevelopment.comLooking to hire the last coach you'll ever need? Apply here - https://physiquedevelopment.typeform.com/to/ToP9TYLEInterested in competition prep? Apply here - https://physiquedevelopment.typeform.com/to/Ii2UNAFor more videos, articles, and information, head to - https://physiquedevelopment.comIf you would like to support Physique Development and this podcast, please head over to your favorite podcast app and leave us a rating and review! This goes a long way in supporting this podcast and helps us continue to bring high-quality, honest content to you in the form of a podcast. Thank you for listening and we will see you all next time!----Produced by: David Margittai | In Post MediaWebsite: https://www.inpostmedia.comEmail: david@inpostmedia.com© 2025, Physique Development LLC. All rights reserved.

In taking the name Pope Leo XIV, the new pope has signaled that the Church finds itself in an era marked by tumultuous social change. The question remains whether the Catholic social thought of his predecessor Leo XIII's time is still applicable today given the radically different world we now live in—a world increasingly defined by the rise and possible dominance of artificial intelligence, robotics entering into mainstream life, the breakdown of regular physical contact among people, and the rise of transhumanism. Can Catholic social thought help us to navigate these uncharted waters? A listener asks: How does one respond to “Science doesn't care what you believe”? 00:00 | Introduction 01:45 | Episode 500! 02:51 | What is Catholic social thought? 03:59 | Pope Leo XIII and Catholic social thought 06:05 | The Catholic conception of human dignity 08:00 | How Catholics understand the common good 09:36 | Defining solidarity 11:39 | Understanding subsidiarity 13:45 | Factoring in the question of sin 17:19 | The significance of the name Leo XIV 18:08 | Examining the nature of artificial intelligence 23:23 | Humanity and the machine 29:09 | Limiting principles 31:35 | Virtual reality, avatars, and companions 35:38 | AI and the workforce 40:43 | AI and art 43:14 | Listener question: How does one respond to “science doesn't care what you believe”? 45:16 | Join the Word on Fire Institute Links: Goldman Sachs citation: https://www.forbes.com/sites/jackkelly/2023/03/31/goldman-sachs-predicts-300-million-jobs-will-be-lost-or-degraded-by-artificial-intelligence/ Word on Fire resources on artificial intelligence: https://www.wordonfire.org/topics/artificial-intelligence/ Word on Fire Institute: https://institute.wordonfire.org/ NOTE: Do you like this podcast? Become a Word on Fire IGNITE member! Word on Fire is a non-profit ministry that depends on the support of our listeners . . . like you! So become a part of this mission and join IGNITE today to become a Word on Fire insider and receive some special donor gifts for your generosity.

Jason walks us through an important recent paper from Google tracking the cost of quantum factoring.

Please text us at 559-701-8000Please text us at 559-701-8000Sponsor www.DrugTestingSites.com &  www.LoadBroker411.com to sign up for FREESign up for Ticket Fighting Defence for $29.95. Please text us at 559-701-8000Reach NAPTA at 877-622-1313Post your jobs at www.CDLJobsGuru.comPlease text us at 559-701-8000 for excellent rates on Factoring & ELDPunjabi Trucking 360 can be reached by texting at 559-701-8000 or info@ramandhillonshow.com for advertisement and show inquiries. Support the showThank you for listening & please share with your friends and family. Please follow us on SoundCloud, Spotify, or any other major podcast platform.

Please text us at 559-701-8000Please text us at 559-701-8000Sponsor www.DrugTestingSites.com &  www.LoadBroker411.com to sign up for FREESign up for Ticket Fighting Defence for $29.95. Please text us at 559-701-8000Reach NAPTA at 877-622-1313Post your jobs at www.CDLJobsGuru.comPlease text us at 559-701-8000 for excellent rates on Factoring & ELDPunjabi Trucking 360 can be reached by texting at 559-701-8000 or info@ramandhillonshow.com for advertisement and show inquiries.Support the showThank you for listening & please share with your friends and family. Please follow us on SoundCloud, Spotify, or any other major podcast platform.

In this episode of The Long Haul, Adam chops it up with Robert McCutcheon, VP of Strategy and Growth at TAFS, to dig into the stuff that keeps small carriers afloat—or breaks them down. We're talking factoring terms most folks overlook, the real cost of fuel cards, and how to make smarter money moves in a market that's already tight. Rob brings years of experience across finance, logistics, and trucking and lays it out plain: if you don't understand your numbers, you're rolling backwards. If you've ever signed a factoring deal or swiped a fuel card, this one's for you. Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode Description: Family, this week on Queer News, Anna DeShawn honors the life of Jewel Thais-Williams, a Black lesbian pioneer who built spaces that saved our lives. In politics, Wisconsin's Supreme Court clears the way to finally ban conversion therapy, while a sobering new report reveals foundation funding for LGBTQ+ causes has plummeted nearly 20%. In culture & entertainment, Artis restaurant keeps fighting to stay open, American Airlines refuses to back down under conservative pressure, and BET+ debuts House on Fire, a docuseries spotlighting the legendary House of Miyake Mugler.  Want to support this podcast?

 Confused about what "due diligence" is? Not sure what steps to take before you buy that laundromat? How do you make sure it's a good deal and you're protected? In this episode of The Laundromat Millionaire Show, Dave & Carla Menz reveal their 12 recommended steps to take before you close on that laundromat purchase.Referenced Links: Our Sponsors: H-M Company Drain Troughs: https://www.draintroughs.comEastern Funding: https://www.easternfunding.com/Our Website: https://www.laundromatmillionaire.comOur Online Course: https://dave-menz.mykajabi.com/sales-pageOur Youtube channel: https://youtube.com/c/LaundromatMillionaireOur Podcast: https://laundromatmillionaire.com/podcast/Our Facebook: https://www.facebook.com/laundromatmillionaire/Our Facebook Group: https://www.facebook.com/groups/laundromatmillionaireOur LinkedIn: https://www.linkedin.com/in/dave-laundromat-millionaire-menz/Our Instagram: https://www.instagram.com/laundromatmillionaire/Our laundromats: https://www.queencitylaundry.comOur pick-up and delivery laundry services: https://www.queencitylaundry.com/deliveryOur WDF & Delivery Workshop: https://laundromatmillionaire.com/pick-up-delivery-workshop/Suggested Services Page: https://www.laundromatmillionaire.com/servicesWDF & Delivery Dynamics: A Complete Business Blueprint: https://laundromatmillionaire.com/wdf-delivery-dynamics-a-business-blueprint/LaundroBoost Marketing Company: https://laundroboostmarketing.com/Clean Show Registration: https://the-clean-show.us.messefrankfurt.com/us/en.htmlLM Show on Leases: https://www.youtube.com/watch?v=npSt0Kn6uuELaundroworks: https://laundroworks.com/Timestamps00:00 Episode 100 Intro on How to do Due Diligence before You Buy03:52 What is Due Diligence?05:57 Making the Offer: Writing a Letter of Intent11:35 Step 1: Get the Support Behind Their Numbers17:28 Red Flag Expenses25:34 Step 2: Difficult to Escape a Bad Lease32:26 Step 3: Assess the Equipment & Inventory36:14 Step 4: Demographics & Value of the Location38:42 Factoring in the Float of a Card Store44:05 Step 5: Evaluating Current Operations46:33 Step 6: Analyze the Competitive Landscape48:57 Step 7: Regulatory Compliance51:08 Step 8: Watch for Lawsuits and Contract Obligations53:15 Step 9: What is the Status of their Brand?55:19 Step 10: Proper Coverage from Day 157:50 Step 11: What About the People?1:00:51 Step 12: But What Will the Future Hold??1:04:35 Final Thoughts and Call to Action 

We had the chance to chat with Paul Douglas about the floods in Texas that have reportedly killed 108 people and left still dozens missing and how the warning systems play into this situation and could an event like this have been avoided

In this episode of the BulkLoads Podcast, guest Nisrine Masri, founder of Movers Dispatch Board, shares her entrepreneurial journey in the moving and storage industry. She dives into the unique challenges of household goods logistics, the evolution of specialized technology for movers, and how her platform fills critical gaps in capacity, labor, and trust—highlighting fascinating industry insights and memorable moving stories along the way. From running a moving company out of a spare bedroom to launching a nationwide tech platform, Nisrine Masri brings a rare mix of grit and innovation to the world of household good logistics. In this episode, she breaks down the realities of long-distance moving, the hidden complexities of staffing and dispatching, and how Mover Dispatch Board is reshaping an overlooked industry. Watch this episode on YouTube & Subscribe! https://youtu.be/ivDP-0GTjPg Free Video Shoot From BulkLoads? https://links.bulkloads.com/widget/form/bfbbWKvA8xQZJKKYfc2Z   How can we pray for you? Email us: prayer@bulkloads.com   Follow Nisrine: https://www.linkedin.com/in/nisrine-masri-8014b419/ https://moversdispatchboard.com/   Check out our companies!  BulkLoads - https://www.bulkloads.com/sign_up/create_account/?utm_source=youtube&utm_medium=audio&utm_campaign=podcast Insurance - https://www.bulkinsurancegroup.com/ Factoring - https://www.smartfreightfunding.com/  Transportation Management (TMS) - https://www.bulktms.com/ Permitting- https://www.bulkloads.com/tools/permitting/   Timestamp: 00:00 "Learning the Moving Industry" 03:37 Interstate Moving Revenue Focus 06:31 Movers Dispatch and Shipment Consolidation 10:57 Fragmented Moving Industry Analysis 13:45 "Pros and Cons of Container Moving" 19:01 "Digital Evolution in Moving Industry" 21:04 Moving Jobs Broker Description 24:52 Seasonal Trends in Housing Market 29:34 Startup Growth Challenges & Adaptation 32:40 Engaging Subscriber Analytics 34:43 Enhancing Trust in Moving Industry 40:04 Confused Delivery Call Resolution 41:03 Unforeseen Divorce Mid-Move Chaos

It's our turn to rank the league's quarterbacks as Jalen Hurts' game continues to be disrespected despite his Super Bowl MVP performance as the likes of jabronis like Dak Prescott, Justin Herbert, Jordan Love and Baker Mayfield get ranked above him by unbelievable non-ball knowers. Factoring in the entire QB room, where do the Eagles rank with Jalen Hurts, Tanner McKee and Kyle McCord? Zach Berman is back with a vengeance to rank it up with Bo Wulf.

In this inspiring episode of the BulkLoads Podcast, host Jared Flinn sits down with Roger Zima, a trucking legend who's driven over 4 million miles without a single accident. Recently named the 2024 Minnesota Driver of the Year by the Minnesota Trucking Association, Roger shares the wisdom, discipline, and heart behind his 40-year career with Foltz Trucking. From early gravel hauls to hauling canola and beans across the Midwest, Roger opens up about how he's stayed safe on the road, what makes Foltz a standout company for drivers, and why patience, prayer, and good people matter. You'll also hear about the life-changing support he received after a devastating accident, and what makes his trucking family different. This is a must-watch for anyone in the trucking world who wants to hear from one of the best to ever do it. Watch this episode on YouTube & Subscribe! https://youtu.be/SKNaFnwK6go Free Video Shoot From BulkLoads? https://links.bulkloads.com/widget/form/bfbbWKvA8xQZJKKYfc2Z   How can we pray for you? Email us: prayer@bulkloads.com   Check out our companies!  BulkLoads - https://www.bulkloads.com/sign_up/create_account/?utm_source=youtube&utm_medium=audio&utm_campaign=podcast Insurance - https://www.bulkinsurancegroup.com/ Factoring - https://www.smartfreightfunding.com/  Transportation Management (TMS) - https://www.bulktms.com/ Permitting- https://www.bulkloads.com/tools/permitting/

In this episode of the BulkLoads Podcast, guest Jace Young shares his compelling journey from growing up on a family feed yard in Western Kansas to founding Legacy Farmer. He discusses the hard lessons learned from his family's farm loss, the emotional and financial struggles of generational operations, and the critical need for financial clarity and open communication in ag businesses. Watch this episode on YouTube & Subscribe! https://youtu.be/sGWRYZrDjxY Free Video Shoot From BulkLoads? https://links.bulkloads.com/widget/form/bfbbWKvA8xQZJKKYfc2Z   How can we pray for you? Email us: prayer@bulkloads.com Check out our companies!  BulkLoads - https://www.bulkloads.com/sign_up/create_account/?utm_source=youtube&utm_medium=audio&utm_campaign=podcast Insurance - https://www.bulkinsurancegroup.com/ Factoring - https://www.smartfreightfunding.com/  Transportation Management (TMS) - https://www.bulktms.com/ Permitting- https://www.bulkloads.com/tools/permitting/  Timestamp: 0:00 - 2:40 Introducing Jace and Early Family Farm Experiences 2:40 - 7:03 The Rise and Fall of the Family Operation 7:03 - 12:08 Emotional Impact of Losing the Farm 12:08 - 16:25 Lessons Learned: Hindsight on the Operation's Downfall 16:25 - 19:37 Family Dynamics and Communication Challenges in Family Businesses 19:37 - 24:09 Lingering Family Conflicts & Financial Fallout 24:09 - 29:29 What is Legacy Farmer? Elevating Farm Financial Management 29:29 - 33:38 Bringing Clarity to Farm and Trucking Finances 33:38 - 40:02 Business Owner Mindset: Shifting Roles and Responsibilities 40:02 - 45:00 Legacy Farmer Community, Coaching, and Real-World Lessons 45:00 - 46:33 Final Thoughts on Mission, Impact, and Continuing the Conversation

“I am reminded of your sincere faith, which first lived in your grandmother Lois and in your mother Eunice and, I am persuaded, now lives in you also.” – 2 Timothy 1:5Mother's Day invites us to reflect on the deep, often quiet influence of a mother's faith. The Apostle Paul's words to Timothy reveal that sincere faith often passes from one generation to the next through the loving guidance of mothers and grandmothers. Today, we celebrate that legacy.A Mother's Work: Beyond MeasureWhen we think about the value of moms, it's usually in terms of intangible gifts—love, wisdom, compassion, and sacrifice. These are treasures that can't be priced.But what if we did try to measure the economic value of a mother's daily work?According to Salary.com, a working mother averages 54 hours a week managing her household in addition to her job. Stay-at-home moms? They often work the equivalent of 15-hour days, seven days a week. The roles include everything from chef and nurse to financial manager, event planner, and counselor.Based on these duties, a mother's annual salary would exceed $185,000—and that's before bonuses, overtime, or hazard pay. Factoring in those extras, a stay-at-home mom could easily command over $200,000 a year. And truthfully, she's worth every penny.Still, even that figure falls short of her true worth. The value of a mother's love and faithfulness can't be calculated. It's personal. It's spiritual. It's eternal.How Scripture Calls Us to Honor MothersThe Bible doesn't just acknowledge the role of mothers—it esteems it. Proverbs 31:28 paints a moving picture of a godly woman's reward:“Her children rise up and call her blessed; her husband also, and he praises her.”Honoring your mother starts with your words. Tell her what she means to you. Thank her for the sacrifices she has made and the ways she has reflected God's love in your life.But biblical honor doesn't end with gratitude. It matures into care, especially as our mothers age.Honoring Through Care: A Biblical MandateIn Mark 7:10–13, Jesus rebukes the Pharisees for neglecting their duty to care for their parents, even though they claimed their resources were dedicated to God. Their so-called righteousness became a mask for selfishness. Jesus made it clear: caring for your parents is not optional; it's a direct expression of your devotion to God.In today's terms, honoring your mother might look like:Making time for her amid your busy scheduleOffering financial assistance or managing her needsIncluding her in decisions that affect the familyListening with patience and respectPraying for and with her regularlyThese acts aren't just thoughtful gestures—they reflect the heart of Scripture and offer a meaningful way to live out our faith in everyday life.Honoring a Legacy of FaithWhether it's your biological mom, your wife, a grandmother, or a spiritual mother who's poured into your life, this Sunday is your opportunity to show them they're not alone or forgotten.Let her know she's seen. Let her know she's loved. Let her know that her quiet faithfulness—the prayers whispered, the tears cried, the meals made, the lessons taught—isn't wasted. It is, in fact, shaping generations and pointing hearts toward Jesus.Because when a mother models faith, she's not just building a home—she's shaping eternity.This Mother's Day, let's rise up and call her blessed, not just with words, but with actions that honor God and her.On Today's Program, Rob Answers Listener Questions:Is Bitcoin something that someone should have in their portfolio? I don't necessarily know much about it, so I don't invest in it, especially since I'll be going into retirement.My husband and I have an annuity, and I'd like to know how we can make charitable donations from it.My daughter has two student loans totaling approximately $15,000, with Mohela serving as the loan servicer. With the interest deferment ending in September, I'd like to know if we can negotiate to pay off the loans at a reduced amount, or should we pay them off if we have the funds available?I am the executor of my father's estate, and I'm 67 years old. Last December, the estate planner surprised me by saying we had to take a required minimum distribution (RMD). This year, I would like the RMD to be donated to a charitable organization. How do I set that up?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineNational Christian Foundation (NCF)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Scale Your Therapy Practice Fast: Clinicians, Clients, Cash & Space In this episode, Julie walks you through the four critical systems you need to grow your therapy practice quickly and sustainably. You'll learn how to recruit clinicians before you need them, attract a steady stream of clients, plan for cashflow dips, and optimize your office space.By the end, you'll have a clear roadmap to coordinate all four factors—so your practice can expand without burning out your team or your bank account.Listen for solutions:If you're hiring more clinicians but are worried about cash flow, you'll learn how to budget and finance growth.If you need a reliable client‑generation system, you'll discover the metrics and processes to track.If your office feels maxed out, you'll get practical tips to squeeze more value from every square foot.Highlights: 00:00 – Julie opens Therapy for Your Money and today's growth topic 00:32 – Introducing Profit First for Therapists book 00:45 – The four pillars of fast scaling: Clinicians, Clients, Cash, Space 01:25 – Building recruiting systems and runway planning 03:19 – Why you must start hiring months before you need capacity 04:23 – Factoring team attrition into your hiring goals 05:00 – Budgeting for clinician recruitment ads (Indeed, LinkedIn, ZipRecruiter) 05:59 – Setting up client‑attraction systems (ads, referrals, tracking) 07:48 – Speed of response: converting inquiries in 24 hours 10:01 – Planning for a temporary profit dip during rapid growth 11:39 – Financing options: owner's pay, lines of credit, loans 14:00 – Maximizing physical space: shifts, weekend hours, telehealth 15:46 – Knowing when to add locations or telehealth roles 16:53 – Integrating all systems for efficient, profitable expansion 17:46 – Key takeaways and next steps for scaling successNeed Help Growing:Need a tailored growth plan? Visit Green Oak Accounting for free guides and tools. If you found this episode helpful, share it with a colleague or leave a review!Links and ResourcesMoney for Therapists Practice Startup - https://www.greenoakaccounting.com/startupGreenOak Accounting - www.GreenOakAccounting.comTherapy For Your Money Podcast - www.TherapyForYourMoney.comProfit First for Therapists - www.ProfitFirstForTherapists.comProfit First Academy - www.ProfitFirstForTherapists.com/Academy Podcast Production and Show Notes by Course Creation Studio

Have you been relying on endless algebra flowcharts to nowhere?Are your students relying on tricks and shortcuts instead of truly understanding math? Are they seeing math as a set of disconnected procedures to apply and success comes when you figure out which procedure applies given a set of inputs? Whether you teach elementary or high school, the tension between teaching for deep understanding and preparing students to "just get the answer" is real. In this episode, veteran math educator Maryann Greenholt shares her candid journey of grappling with how to move beyond procedural teaching—especially in the context of factoring—and what it really takes to help students understand the why behind the math.You'll learn:Why students at all levels often cling to memorized steps—and how to shift that mindsetHow using visual and concrete models can deepen understanding, from basic operations to polynomialsWhat it looks like to create a calm, concept-first math classroom that builds confidence and curiosityIf you're ready to move beyond surface-level math instruction and foster real meaning for your students, press play now and walk away with insights you can use at any grade.Not sure what matters most when designing math improvement plans? Take this assessment and get a free customized report: https://makemathmoments.com/grow/ Math coordinators and leaders – Ready to design your math improvement plan with guidance, support and using structure? Learn how to follow our 4 stage process. https://growyourmathprogram.com Looking to supplement your curriculum with problem based lessons and units? Make Math Moments Problem Based Lessons & UnitsShow NotesLove the show? Text us your big takeaway!Get a Customized Math Improvement Plan For Your District.Are you district leader for mathematics? Take the 12 minute assessment and you'll get a free, customized improvement plan to shape and grow the 6 parts of any strong mathematics program.Take the assessmentAre you wondering how to create K-12 math lesson plans that leave students so engaged they don't want to stop exploring your math curriculum when the bell rings? In their podcast, Kyle Pearce and Jon Orr—founders of MakeMathMoments.com—share over 19 years of experience inspiring K-12 math students, teachers, and district leaders with effective math activities, engaging resources, and innovative math leadership strategies. Through a 6-step framework, they guide K-12 classroom teachers and district math coordinators on building a strong, balanced math program that grows student and teacher impact. Each week, gain fresh ideas, feedback, and practical strategies to feel more confident and motivate students to see the beauty in math. Start making math moments today by listening to Episode #139: "Making Math Moments From Day 1 to 180.

Photographers often react instinctively against artificial intelligence, typically focusing on controversial generative AI. Meanwhile, a different branch of AI technology—machine learning systems—has been making remarkable progress helping photographers manage overwhelming image workflows under tight deadlines.   In today's show, we explore this trending topic in a discussion with Justin Benson and Sam Hurd, both accomplished wedding photographers and tech entrepreneurs.   Justin begins by clarifying the distinction between machine learning and generative AI before taking us behind the scenes of Aftershoot, the workflow tool he co-founded. He highlights the key advantages of culling and editing images locally rather than using cloud-based alternatives.   We also explore the question of trusting automated workflows and discuss how aesthetics factor in, particularly since machine learning systems adapt to a photographer's culling and editing preferences over time.   Our conversation naturally addresses the ethical concerns surrounding AI. Sam's posing tool, Insight, uses generative AI to offer photographers fresh creative suggestions, but importantly, it trains exclusively on images from his own extensive collection. You'll hear about his journey developing this tool initially for personal use before scaling it as a service for others.   By the end, you'll have gained fresh perspective on how these AI-powered tools can enhance your current workflow, along with hearing some thought-provoking predictions about what the future may hold. Guests: Sam Hurd & Justin Benson Episode Timeline: 3:34: Sam's background in the creative arts complimented his love of technology in developing his photography career.  7:26: Justin's busy wedding workload and how his photography knowledge became an asset in developing an AI-powered culling & editing software. 9:35: Differentiating between machine learning and Generative AI, plus ethical concerns related to companies using cloud-based systems. 12:49: The influence of AI-related processes to a photographer's creative output, plus the significance of the human element in generating new creative content.   18:43: Factoring for aesthetics when it comes to AI-powered culling and editing software, plus how much to trust the process. 30:34: Implementing an AI-powered software program in a photographer's overall workflow process, and reallocating time to details that really matter. 42:00: Episode Break 42:50: The backstory to Sam Hurd's AI-powered posing tool Insight, plus why posing people is so hard. 54:59: Staying ahead of the curve with various AI-powered workflow tools, plus essential differences to Insight as a text-based service instead of an app. 1:02:57: How the increasing use of generative AI is causing a shift in assumptions about posting portrait pictures to the Internet. 1:07:30: Debating future advancements to AI technology, image generation at the pixel level, and comparing this to the shift from analog to digital. 1:12:23: The importance of the user community in making further advances to AI-powered software tools. 1:17:34: What's next with AI, a real-world comparison to the original Blade Runner movie, plus the dynamic of scary vs cool.   Guest Bios: After starting as a political news and celebrity portraitist in Washington, DC., Sam Hurd was quickly drawn to wedding photography as a way to explore more inventive ideas. He focuses on deceptively simple photographic techniques with the potential to transform difficult or uninspiring environments into unique creative visions.  A hallmark of his work are several in-camera techniques he developed such as Prisming, Lens Chimping, Color Spreading, and his Ring of Fire effect for in-camera flare. In addition to his long-held passion for photography and creative reinvention, Sam is equally skilled in information technology and computer science since majoring in this field during college. That background, combined with a belief that modern AI tools can offer new avenues for creative exploration when thoughtfully leveraged, has led Sam to build several services to assist and inspire photographers. These include Insight, which analyses images in real time, returning visual pose ideas based on the actual environment and subjects in front of the lens - an entirely new process for breaking through creative blocks while working.  Justin Benson started out photographing sets and location scouting for film and TV. But in 2011 his life changed after he answered a last-minute call from a family friend in need of a wedding photographer. Justin quickly discovered wedding photography was his true calling and he's been at it ever since, with his wife joining him as a second shooter in 2016. Based in Connecticut, Justin works in a modern traditional style, combining a hint of candid moments with posed scenes.  In 2019, just before COVID started shutting things down, Justin learned about an enterprising developer who was seeking photographer input to incorporate in an AI-powered image culling app he was cooking up. After much discussion and advice about how to improve this product, Justin signed on and became a co-founder of the AI-based software company Aftershoot.  Stay Connected: Sam Hurd Website: https://samhurdphotography.com/ Sam Hurd Instagram: https://www.instagram.com/iamthesam/ Sam Hurd Facebook: https://www.facebook.com/samhurdphotography Sam Hurd Youtube: https://www.youtube.com/@iamsamhurdphotography Sam Hurd Linktr.ee: https://linktr.ee/iamthesam Sam Hurd Patreon: https://www.patreon.com/samhurd Insight Photo Website: https://www.insight.photo/  Sam Hurd on the B&H Photography Podcast: https://www.bhphotovideo.com/explora/podcasts/photography/photographic-craft-connections-sam-hurd-dixie-dixon Blade Runner movie clip: https://youtu.be/IbzlX43ykxQ?si=g9NG8TPkRskGsvW6' Justin Benson Website: https://jbensonphotography.com/ Justin Benson Instagram: https://www.instagram.com/Jbensonphotography/ Justin Benson Facebook: https://www.facebook.com/jbensonphotography Aftershoot Website: https://aftershoot.com/ Justin Benson & Aftershoot on the B&H Explora blog: 

Have you ever been jealous of someone in your life? Of course you have! Often, we get jealous of the upside of someone's decisions (such as the house they live in or the car they drive). However, we rarely think about the cost of these decisions. In today's episode, host Travis Shelton explains why we must factor in both sides of the equation before we form an opinion (or become jealous). Often, if we actually knew the consequences of such decisions, we wouldn't be jealous at all. When we look at life and decision-making through this lens, we all might get a little less jealous. If you have questions or would like to connect with us outside of the podcast, here's where you can find us: Instagram: ⁠https://www.instagram.com/meaning_over_money⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok: https://www.tiktok.com/@meaning_over_moneyDaily Blog: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://travisshelton.com/blog⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to the daily blog: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://shorturl.at/ipS35⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Podcast Facebook Group: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/groups/370457478238932⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Podcast website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.travisshelton.com/podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Travis's Instagram:  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/travis_shelton_⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ YouTube:  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/channel/UCasnj17-bOl_CZ0Cb9czmyQ

“What you ought to say is, ‘If the Lord wants us to, we will live and do this or that.’ Otherwise you are boasting about your own pretentious plans, and all such boasting is evil.” (James 4:15–16 NLT) James is talking to successful Christian business leaders. These are people who worked hard to reach the top of their field. You’ll notice that he doesn’t rebuke them for their success or their efforts to be the best. No matter what you do for a living, if you’re a follower of Christ, you should strive to be the best at what you do. You should work harder than anybody else. You should arrive early to your job. You should leave a little later than others do. You should work cheerfully. And you should do everything for the glory of God, wherever you are. God hasn’t called everyone into so-called ministry. He hasn’t called everyone to be a preacher. But He has called us all to minister and to serve Him and to bring honor and glory to Him, whatever our profession is. If you’re a doctor, attend to your patients for the glory of God. If I need surgery, I don’t want a preacher. I want a godly surgeon who knows what he’s doing. I may need a Christian attorney. I may need someone else in another field—in construction, in music, in art, in politics. We need strong believers in all fields to represent us well. But in your striving to be the best, you need to maintain your focus and priorities. That’s what James is saying. He offers you a valuable reminder. He gives you the key to maximize your success. The people James was talking to had lost their focus. They were believers, but they were living like atheists. They weren’t factoring God into their plans. So James reminded them to keep God’s will at the forefront of their lives. Ultimately, every plan anybody ever makes is dependent on “if the Lord wants us to.” If you humbly acknowledge that and plan accordingly, God will bless your plans. That’s why Paul told the believers in Ephesus, “I will come back later, God willing” (Acts 18:21 NLT). And it’s why he wrote to the believers in Corinth, “I will come—and soon—if the Lord lets me” (1 Corinthians 4:19 NLT). God’s will covers a lot of ground—everything you do, in fact. If you’re going to give it the consideration it deserves, it must be one of the first things you think about in the morning and one of the last things you think about at night. It needs to be a frequent topic of conversation with your spouse or loved ones. It needs to be the main focus of every prayer, every business meeting, and every decision-making process. No matter what field you’re in, keeping God’s will at the forefront means thinking about what you’re sacrificing, thinking about what you’re prioritizing, thinking about how you’re using your resources—including your time, finances, and people—and making sure that they align with God and His will. You can glorify God wherever you are and in whatever you do. Just remember to factor in His will. Reflection question: How do you factor God’s will into your workday? Discuss Today's Devo in Harvest Discipleship! — Listen to the Greg Laurie Podcast Become a Harvest PartnerSupport the show: https://harvest.org/supportSee omnystudio.com/listener for privacy information.

Are new construction homes a good investment right now? Well, that depends. If you want a lower price for a property in a better condition, with a lower mortgage rate and the ability to charge more rent, then new construction homes are what you need. This “sleeper” investment is now cheaper to buy than a regular rental property, but since it's a new build, it comes with a fraction of the headaches and repairs than most “used” homes. So if they're cheaper, better, and make you more money, why isn't everyone buying a new home? Kathy Fettke has been investing in new construction homes for decades. At first, it was just a way for her to have a more passive real estate portfolio. But now, she knows she can make much more with new homes than buying existing rentals. Since so much of her portfolio is new builds, we brought her to the show to share why this investment may be the best on the market. We'll get into new construction pricing and why new homes are CHEAPER than existing homes but offer better amenities, safer structures, and often much lower insurance prices. Next, how to get a rock-bottom mortgage rate by negotiating with builders (we're talking three or four percent interest rates!). Plus, Kathy shares precisely how to ensure you're buying a new home in the path of progress so you can rake in appreciation. In This Episode We Cover Why new construction rental properties may be one of the best investments of 2024 Saving serious money on your mortgage with rate buydowns paid for by the developers  Why new construction home prices are CHEAPER than existing home prices in 2024 Buying in the “path of progress” to ensure your home value keeps growing  Factoring in appreciation into your next deal and whether you should account for it at all And So Much More! Links On the Market Podcast Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/real-estate-1013 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices