Podcasts about FTC

Today on CarEdge Live, Ray and Zach discuss the latest on FTC air pricing compliance live from Washington DC. Tune in to learn more! Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Could the electromagnetic fields (EMFs) in your environment be affecting your bone health? In this episode, I'm joined by Valerie Burke, also known as the "Shungite Queen," to explore the potential impact of EMFs on bone health and how shungite, a rare carbon-based rock from Russia, may help mitigate those effects. We discuss the science, history, and properties of shungite, including its molecular structure with fullerenes and its unique interaction with electromagnetic fields. Valerie explains the ways EMFs may adversely affect bone health, including voltage-gated calcium channels, bone marrow interference, thyroid disruption, and decreased melatonin production. She also walks us through different grades of shungite, how to recognize authentic pieces, and practical tips for using it in daily life, whether as jewelry, desktop pieces, or even infused in water. I also share my own curiosity and personal experiences with keeping shungite near my workspace to create a more grounding and protective environment.  This conversation will help you make informed choices about EMF exposure while exploring innovative ways to support bone health, wellness, and stress reduction. "Shungite water is another way you can use shungite for your health, for just the fullerenes, the carbon 60, and the detox properties. Elite Shungite sort of energizes the water in a way that nothing else can." ~ Valerie Burke, MSN   In this episode: - [02:55] - What is shungite? Origins and molecular properties - [05:34] - How EMFs affect bones: voltage-gated calcium channels - [08:29] - Bone marrow, thyroid, and melatonin disruption - [12:06] - Various grades of shungite and how to identify genuine shungite - [15:31] - Placement strategies: desk, jewelry, and energy fields - [21:21] - Valerie's backstory and how she discovered shungite  - [23:41] - Stories from shungite users  - [30:04] - Valerie's osteoporosis story  - [38:26] - Shungite water infusion and its detox benefits   Resources - Osteoporosis Exercises to Strengthen Your Bones and Prevent Fractures - tinyurl.com/osteoporosisexercises - Valerie's Shungite product collection (Use coupon code Happybones for 10% discount - one use per customer. This discount runs from 6/16/26 to 7/5/26) - https://shungitequeen.com/discount/Happybones?redirect=%2Fcollections%2Fevergreen  - Link to article with research on EMFs and bone health -  https://shungitequeen.com/blogs/shungify/4-ways-emfs-damage-bones-how-to-protect-your-health   More about Margie - Website - https://margiebissinger.com/  - Facebook - https://www.facebook.com/p/Margie-Bissinger-MS-PT-CHC-100063542905332/  - Instagram - https://www.instagram.com/margiebissinger/?hl=en    DISCLAIMER – The information presented on this podcast should not be construed as medical advice. It is not intended to replace consultation with your physician or healthcare provider. The ideas shared on this podcast are the expressed opinions of the guests and do not always reflect those of Margie Bissinger and Happy Bones, Happy Life Podcast. *In compliance with the FTC guidelines, please assume the following about links on this site: Some of the links going to products are affiliate links of which I receive a small commission from sales of certain items, but the price is the same for you (sometimes, I even get to share a unique discount with you). If I post an affiliate link to a product, it is something that I personally use, support, and would recommend. I personally vet each and every product. My first priority is providing valuable information and resources to help you create positive changes in your health and bring more happiness into your life. I will only ever link to products or resources (affiliate or otherwise) that fit within this purpose.

Episode #1372: Paul's in DC today for the CBT News Auto Leadership Summit on Fair Pricing and Compliance, and we're talking about how much the industry has (or hasn't) shifted since the FTC put 97 dealers on notice. Plus, when an AI chatbot overquotes ...

In this episode of the Used Car Dealer Podcast, Zach sits down with Jeff Martin, CEO of the National Independent Automobile Dealers Association (NIADA), to preview the upcoming NIADA Convention & Expo in Denver and discuss the biggest issues facing independent dealers today. Jeff shares what makes this year's Denver event unique, from NIADA's education-focused breakout sessions and networking opportunities to a closing general session covering the China wave, TikTok, and how dealers can connect with the next generation of buyers. He also explains why affordability, inventory, and FTC advertising-price expectations are among the most urgent topics dealers are asking NIADA to address. The conversation also covers wholesale trends, incoming EV supply from rental and lease channels, how dealers are adapting to high interest rates, and why liquidity matters more than ever. Jeff also shares his perspective on AI adoption, the misconception that AI is simply coming to take jobs, and why education is the biggest opportunity for independent dealers right now. Zach and Jeff also discuss NIADA's advocacy work around right to repair, universal title, compliance support, government relations, and the association's evolving role through boot camps, webinars, state association partnerships, and the return of the Certified Master Dealer Program. Jeff closes with why he remains optimistic about the resilience of independent dealers and how members can get more involved with NIADA.

If you've ever told yourself "I'm too small to worry about trademarks," this episode is the wake-up call. Kelly sits down with trademark and IP attorney Berkeley Sweetapple — the rare lawyer who makes legal genuinely fun — to break down why protecting your brand isn't a someday problem, it's a business growth investment you make early. Kelly opens up about the most expensive lesson of her career. when she figured she was too small and insignificant to bother with a trademark, and ended up needing a full rebrand across thousands of files, podcasts, and videos, millions of dollars lost, and years of focus pulled off growth. Berkeley shares how she went from "most likely to quit law and become a housewife" to building a law firm serving online entrepreneurs, and gets into where IP is heading in the age of AI. Celebrities like Taylor Swift and Matthew McConaughey are already trademarking phrases, faces, and likenesses to control how their persona shows up online, and Berkeley explains why the law is always playing catch-up while AI moves at full speed. Berkley shares why everything in your business probably needs a legal refresh after the changes of the last couple years, and where to start if you're mid-panic. The common denominator: if you stay in business long enough, these things will happen to you. The move is to get the right people in place early, stay in your CEO energy, delegate the legal, and build the systems so you can keep moving the company forward. In this episode: Kelly's Unstoppable Entrepreneur lawsuit and the cost of trademarking too late How Berkeley turned a legal lifestyle blog into a law firm for online founders Trademarking your likeness, face, and voice as AI reshapes IP Real trademark horror stories (and one big USPTO win) What a legal VIP day / audit actually covers Why your business is probably exposed after recent changes Kelly's partnership cautionary tale Staying in CEO energy: delegate legal, build systems, expect the hard stuff Timestamps 00:00 — Cold open: Kelly's Unstoppable Entrepreneur trademark story 00:44 — Welcome and introducing Berkeley, the "fun lawyer," and trademarking for Madison 01:56 — Berkeley's path: law school, a legal lifestyle blog, and finding her niche 04:06 — Trademarking your likeness, face, and voice in the age of AI 06:42 — Can you trademark your voice? Why the law is always behind 08:47 — Trademark horror stories (the conference and the 25K-follower takedown) 10:08 — Kelly's story: the Unstoppable Entrepreneur lawsuit with Entrepreneur Magazine 12:54 — The FTC scare, the company audit, and the Miracle Hour earnings disclaimer 15:30 — What a legal VIP day covers: audit, copyright, contracts, disclaimers 17:25 — Why everything in your business changed, and where you're now exposed 19:13 — Client win: getting Julie Solomon's Influencer Podcast trademarked after a refusal 20:22 — Where to start if you're having an "oh no" moment 21:03 — The Seven Figure CEO Bundle and code KELLY20 22:24 — Kelly's partnership cautionary tale 24:08 — "If these things aren't happening to you, you're not playing big enough" 25:58 — Staying in CEO energy: delegate legal, build the systems 26:51 — Closing: trademark before you need it, and licensing the Miracle Hour   RESOURCES:  Connect with Berkley on Instagram: https://www.instagram.com/berkleysweetapple/  Check out Berkley's trademark packages HERE: https://berkleysweetapplelaw.com/trademarks/#start  Schedule a VIP day: https://berkleysweetapplelaw.com/vip-day/#start  Get Berkley's 7-figure CEO Bundle: https://www.thebusinessstudio.com/pages/7-figure-ceo-bundle  Schedule a free discovery call: https://berkleysweetapple.as.me/schedule/72c2f17c/appointment/41570219/calendar/13957087?calendarIds=13957087 

In this episode of the Audiobook Lovin Series, we're diving into one of the most important ways listeners can support authors, narrators, and publishers, reviews. Whether you're new to reviewing audiobooks or a seasoned ALC team member, we'll discuss what makes a review helpful, why it's important to credit narrators, what information listeners are actually looking for, and why simply repeating the book blurb doesn't help fellow readers. We'll also break down FTC disclosure requirements, explain why transparency matters, and discuss what reviewers need to know when sharing recommendations and promotional content. If you've ever wondered how a few sentences can make a big impact in the audiobook community, this episode is for you. Visit Viviana, Enchantress of Books: Support the podcast by becoming a patreon at www.patreon.com/AudiobookLovin or Buy Me A Coffee: www.buymeacoffee.com/enchantresspr We hope you have enjoyed this production of The Audiobook Lovin' Podcast. Topic: Audiobook Reviews Matter: How to Write Helpful Reviews & Understanding FTC Disclosure Requirements Host: Viviana Izzo Podcast Intro & Outro: Xavier Blade Editor: Viviana Izzo This has been an Audiobook Lovin' production part of the Audiobook Lovin Network. Copyright 2017 by Viviana Izzo, Enchantress of Books. Production Copyright 2017 by Audiobook Lovin'. Audiobook Lovin' Series, The Audiobook Lovin Podcast is a division of Viviana, Enchantress of Books. Please visit Viviana, Enchantress of Books to learn more about the Audiobook Lovin' Series. All rights reserved. No part of this publication may be reproduced, modified, copied, distributed, repackaged, shared, displayed, revealed, extracted, emailed, transmitted, sold or otherwise transferred, conveyed or used, in a manner inconsistent with the Agreement, or rights of the copyright owner. You shall not redistribute, repackage, transmit, assign, sell, broadcast, rent, share, lend, modify, extract, reveal, adapt, edit, sub-license or otherwise transfer the Content. You are not granted any synchronization, public performance, promotional use, commercial sale, resale, reproduction or distribution rights for the Content. For permission requests, please visit Viviana, Enchantress of Books for more information.

Just in time for Pride month, Marsha Blackburn and the Heritage Foundation's anti-LGBTQ censorship is back (now supported by OpenAI). SUPPORT MY WORK: Buy a paid subscription to my newsletter at usermag.co     Support my work on Patreon: http://patreon.com/taylorlorenz    The Kids Online Safety Act (KOSA) is back, and this time, the White House is reportedly negotiating a deal to pass it in exchange for federal preemption of state AI laws. In this episode of Free Speech Friday, I break down why KOSA is one of the most dangerous internet censorship bills in Congress, why tech billionaires like Sam Altman and Elon Musk actually SUPPORT it, and what the media is getting completely wrong about this so-called "trade-off."I'm joined by Ari Cohn, one of the top First Amendment lawyers in the country, to explain exactly how KOSA's "duty of care" provision will force platforms to mass-censor content, including LGBTQ voices, mental health support communities, reproductive health information, and more. We cover the junk science behind the social media moral panic, the age verification privacy nightmare, how the FTC could become the internet's censor-in-chief, and why we've seen this exact panic before with comic books, video games, and television.Click the link below to take action now!!! https://www.badinternetbills.com In this video, we cover:What the Kids Online Safety Act actually doesHow KOSA could impact social media platformsAge verification and online privacy issuesThe potential effects on LGBTQ communities, mental health resources, and online speechWhy Elon Musk and OpenAI support KOSA.The reality of age verification and the death of online privacy.How KOSA targets niche communities and support groups.

Rear-view cameras that go dark, airbags that don't behave the way you expect, and screens that blank out at the worst time, that's where we start. We run through a packed list of new vehicle recalls and talk about what they mean in plain English: what's affected, why it matters, and the simple step every owner should take right now (hint: check your VIN and get on the schedule before it becomes a roadside story).From there, we jump into the most addictive kind of car talk: real auction results. We use Hemmings online sales to play “guess the price,” bouncing from a head-turning 1957 Cadillac Eldorado to a 1967 Corvette convertible, a clean two-door 1999 Tahoe, a vintage Land Rover, a 1955 Buick Super, and even a Cobra-style build. Along the way, we break down the collector car market signals that actually move the numbers like condition, originality, drivetrains, and why some “everyman” vehicles are suddenly not so cheap.We wrap with automotive news you can use: U.S. auto sales holding steady under inflation pressure, new global SUV launches and rebadging rumors, Mitsubishi's plan for a Nissan-sourced mid-size pickup, and a jaw-dropping story about an $80,000 Camaro stolen twice in five days. We also talk Toyota's sales dip as buyers wait for redesigns, the surge in hybrids, and why FTC warnings plus customer reviews are a smart early warning system for bait-and-switch dealer behavior. If you like practical advice mixed with car culture and a few laughs, subscribe, share the show with a car friend, and leave us a review.Be sure to subscribe for more In Wheel Time Car Talk!The Lupe' Tortilla RestaurantsLupe Tortilla in Katy, Texas Gulf Coast Auto ShieldPaint protection, tint, and more!Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.----  ----- Want more In Wheel Time car talk any time?     In Wheel Time is now available on Audacy!  Just go to Audacy.com/InWheelTime where ever you are.-----   -----Be sure to subscribe on your favorite podcast provider for the next episode of In Wheel Time Podcast and check out our live multiplatform broadcast every Saturday, 10a - 12nCT simulcasting on Audacy, YouTube, Facebook, Twitter, Twitch and InWheelTime.com.In Wheel Time Podcast can be heard on you mobile device from providers such as:Apple Podcasts, Amazon Music Podcast, Spotify, SiriusXM Podcast, iHeartRadio podcast, TuneIn + Alexa, Podcast Addict, Castro, Castbox, YouTube Podcast and more on your mobile device.Follow InWheelTime.com for the latest updates!Twitter: https://twitter.com/InWheelTimeInstagram: https://www.instagram.com/inwheeltime/https://www.youtube.com/inwheeltimehttps://www.Facebook.com/InWheelTimeFor more information about In Wheel Time Podcast, email us at info@inwheeltime.com

Episode 109 - Ending Sexploitation Podcast Dani Pinter, Esq. (Chief Legal Officer and Director of the NCOSE Law Center) is joined by Khari James, Esq. (Senior Legal Counsel at the NCOSE Law Center) to discuss the recent FTC complaint that was filed by Fairplay and NCOSE over the harms that have happened – and continue to happen – on Roblox. They chat about the details of what Roblox is, what the concerns have been in the past, and what still needs to change for Roblox to be safe for kids and families today.     Read about the FTC Complaint: https://tinyurl.com/mpuz9kxp  PARENTS! Get more resources at our newly launched Parent Center: https://ParentCenter.org/  Join us in telling Big Tech: "Don't Mess With Our Kids!" - https://EndSexualExploitation.org/Donate/  

Every deal document tells a story, and in an antitrust merger review, overbroad and imprecise language can cost you months of investigation and millions of dollars in legal fees. In this Committed Capital Sidecar episode, Dechert antitrust attorneys Rani Habash, Brian Hanna and Greg Luib draw on their combined experience at the firm, the FTC and the DOJ to break down the "hot documents" that attract unwanted regulatory attention and explain how companies can better prepare for their next merger filing.

What can a $35 million settlement teach companies about subscription billing, auto-renewals, and cancellation practices? In this episode, we unpack the FTC's case against Shutterstock, which resulted in one of the agency's largest recent settlements over alleged negative option marketing violations. The complaint alleges that Shutterstock failed to clearly disclose automatic renewals and cancellation fees, did not obtain consumers' express informed consent for recurring charges, and made it unnecessarily difficult to cancel subscriptions. As regulators continue to focus on auto-renewal programs, recurring billing, and “click-to-cancel” principles, the case serves as a powerful reminder that businesses must ensure material terms are clear, consent is meaningful, and cancellation is as straightforward as enrollment. Hosted by Simone Roach. Based on a blog post by Gonzalo E. Mon.

Welcome to Health-e Law, Sheppard's podcast exploring the fascinating health tech topics and trends of the day. In the second part of this two-part episode, Cora Han, Chief Health Data Officer for University of California Health, joins partner and host Michael Orlando to discuss the current state of AI adoption across healthcare systems, including deployment, governance challenges, regulatory developments and the future of AI-enabled care delivery. What we discuss in this episode: The growing role and current state of AI adoption across healthcare delivery systems Ambient scribes, inbox management, coding assistance and other practical AI use cases Using AI to improve quality reporting and operational efficiency Opportunities for AI to address clinician shortages, burnout and healthcare access issues Expanding access to specialized care through AI-enabled care models The challenges of evaluating and governing a rapidly growing AI vendor ecosystem Adapting governance frameworks to keep pace with AI innovation Federal and state regulatory developments impacting healthcare AI adoption The importance of transparency in AI tools, including model development, performance and use Why implementation and workflow integration remain critical barriers to successful AI adoption Measuring ROI and real-world impact of AI tools in healthcare settings About Cora Han Cora Han is Chief Health Data Officer for University of California Health and Executive Director of the Center for Data-driven Insights and Innovation. She also serves as Co-Chair of the Health System and Provider Advisory Board for the Coalition for Health AI (CHAI).  Drawing on her extensive experience in AI strategy, regulatory advocacy, and data privacy, Cora leads efforts to establish consistent guardrails for the use of health data with AI vendors and third-party collaborators. Her work spans the full spectrum of health data challenges, from de-identification of clinical data to navigating HIPAA compliance and AI vendor relationships, making her a leading voice on responsible AI adoption in academic health systems. Before joining UC Health, Cora spent over ten years at the Federal Trade Commission, most recently as Senior Attorney in the Division of Privacy and Identity Protection, where she focused on data privacy and consumer protection, including a term as Counsel to the Director of the Bureau of Consumer Protection. Prior to her tenure at the FTC, she practiced at a leading international law firm, where she counseled clients on copyright and trademark matters. Cora also served as an Adjunct Professor of Consumer Protection Law at George Mason University School of Law for five years. Cora holds a BA in Government from Harvard University and a JD from the University of Chicago Law School. About Michael Orlando Michael Orlando is a partner in Sheppard's San Diego (Del Mar) office. He is team leader of the firm's Technology Transactions team, a member of the Life Sciences, Healthcare and Artificial Intelligence teams, and co-leader of the firm's Digital Health & Innovation team. Michael has more than 20 years of experience advising health technology companies, insurers, healthcare systems and providers, academic medical centers and research institutions, medical device manufacturers, pharmaceutical and wellness companies on intellectual property and business transactions in key strategic areas, including EHR systems procurement and integration, telehealth, mobile health applications, clinical decision support technologies, artificial intelligence, data use, wearable devices, remote patient monitoring, medical devices and equipment, research and collaborations, patent licenses, software licenses, joint ventures, mergers and acquisitions, revenue cycle management, and other outsourcing transactions.  Michael founded a software-as-a-service company before entering private practice and completed an in-house secondment at a publicly traded biotechnology company, an experience that informs his practical and business-focused approach to client engagements. Thank you for listening! Don't forget to SUBSCRIBE to the show to receive new episodes delivered straight to your podcast player every month. If you enjoyed this episode, please help us get the word out about this podcast. Rate and Review this show on Apple Podcasts, Amazon Music, or Spotify. It helps other listeners find this show. This podcast is for informational and educational purposes only. It is not to be construed as legal advice specific to your circumstances. If you need help with any legal matter, be sure to consult with an attorney regarding your specific needs.

Many women are not aware that the pelvic floor plays a key role in stabilization, posture, and overall bone health, whether you lift weights, practice balance exercises, or simply want to move confidently. In this episode, I'm joined by Isa Herrera, a licensed physical therapist and pelvic floor expert, to discuss why your pelvic floor is essential for strong bones. We explore common mistakes women make, such as ignoring the connection between the core, fascia, and the pelvic floor. Isa walks us through exercises like the transverse hold, baby Kegels, and reverse Kegels, demonstrating how to safely strengthen the pelvic floor and integrate it into your strength training program. By combining proper pelvic floor activation with targeted strength and stabilization exercises, you can reduce incontinence, improve posture, prevent injury, and enhance bone health. This conversation provides simple strategies you can start using today to strengthen your pelvic floor and support your bones for the long term.   "When women take ownership of their pelvic and bone health, their whole lives change. And all of a sudden, they're happier, they're more confident, and they're doing the things they love." ~ Isa Herrera, MSPT, CSCS   In this episode: - [03:17] - Why the pelvic floor is critical for bone health - [05:08] - Exercises to avoid: traditional crunches, heavy lifting, ballistic moves - [08:16] - Testing and correcting diastasis recti - [11:36] - The transverse hold: foundation exercise for the pelvic floor - [15:05] - Common pelvic floor issues and their impact on exercise and bones - [21:41] - Kegel exercises: technique and visualization - [26:49] - Full-body Kegel and pelvic brace: combining breath, fascia, and core - [33:31] - Adjusting exercises for symptoms: leaking, prolapse, pain   Resources - On-demand pelvic floor masterclass - https://www.lk10ppt.com/2T4B5B1/2PKWQ8/?uid=304 - Vaginal Dryness eBook - https://www.lk10ppt.com/2T4B5B1/2PKWQ8/?uid=305  - Margie's More Natural Approaches to Exercise and Bone Health Summit (free to watch for 8 days) - https://www.happyboneshappylife.com/osteoporosis-bone-health-summit.  - Get quality supplements at Margie's Fullscript dispensary - https://tinyurl.com/supplementsforless   More about Margie - Website - https://margiebissinger.com/  - Facebook - https://www.facebook.com/p/Margie-Bissinger-MS-PT-CHC-100063542905332/  - Instagram - https://www.instagram.com/margiebissinger/?hl=en    DISCLAIMER – The information presented on this podcast should not be construed as medical advice. It is not intended to replace consultation with your physician or healthcare provider. The ideas shared on this podcast are the expressed opinions of the guests and do not always reflect those of Margie Bissinger and Happy Bones, Happy Life Podcast. *In compliance with the FTC guidelines, please assume the following about links on this site: Some of the links going to products are affiliate links of which I receive a small commission from sales of certain items, but the price is the same for you (sometimes, I even get to share a unique discount with you). If I post an affiliate link to a product, it is something that I personally use, support, and would recommend. I personally vet each and every product. My first priority is providing valuable information and resources to help you create positive changes in your health and bring more happiness into your life. I will only ever link to products or resources (affiliate or otherwise) that fit within this purpose.

Hoy es el ÚLTIMO DÍA del Pack Audiovisual 2026 26 expertos +300h de contenido Solo 89€. Cierra esta noche a las 23:59 sin prórroga → https://go.hotmart.com/K105730657K/ ________________ Esta semana el podcast de noticias que estabas esperando. Vuelve Jordi después de mucho tiempo, y entre los dos repasamos todo lo que está pasando en el mundo del stock: la multa de 35 millones de dólares que acaba de recibir Shutterstock de la FTC por prácticas engañosas con sus suscriptores, el estado actual de la fusión Getty-Shutterstock y lo que significa para nosotros, el rebranding de Freepik a Magnific, pagos extra de Envato por acuerdos de licencia con terceros y el cambio fiscal importantísimo del formulario W8B. Y de propina: el concurso Fashion de Shutterstock con premios en metálico, y un vistazo a cómo Jordi sigue produciendo stock a pesar de llevar meses con la rodilla operada. ________________ Hoy es el ÚLTIMO DÍA del Pack Audiovisual 2026 26 expertos +300h de contenido Solo 89€. Cierra esta noche a las 23:59 sin prórroga → https://go.hotmart.com/K105730657K/

What actually constitutes a network marketing lifestyle claim? Most distributors think they understand compliance…but they really don't. In this episode, Todd Falcone breaks down one of the most misunderstood areas of compliance in network marketing and social media marketing. Inside this training, you'll learn: What the FTC considers a lifestyle claim Why implication matters just as much as direct statements Common social media posts that can create compliance issues Why fake lifestyle marketing damages the profession The difference between inspiration and implication How to market effectively WITHOUT crossing the line What leaders and companies need to understand moving forward If you're serious about building your business long term, protecting your credibility, and learning how to market professionally, this is a must-watch episode. Watch more and learn how to execute at a higher level here: Execution Lab #NetworkMarketing #LifestyleClaims #FTCCompliance #MLMCompliance #ToddFalcone #NetworkMarketingTraining #SocialMediaMarketing #ExecutionLab #NetworkMarketingLeadership Additional Resources for you: Know EXACTLY What to Say in EVERY Situation as a Network Marketer and Never, Ever Be at a Loss for Words Again https://ToddFalcone.com/guide Facebook: | https://facebook.com/thefearlessnetworker Instagram: | https://www.instagram.com/toddfalcone/ LinkedIn: | https://www.linkedin.com/in/toddfalcone/ ————————— ABOUT TODD FALCONE ————————— Todd Falcone is known for his raw, real, and highly actionable approach to teaching network marketers how to build long term success. With more than two decades in the field, he trains on prospecting, closing, leadership, and the mindset required to build a business that lasts. To book Todd for an event, webinar, or corporate training, visit: https://ToddFalcone.com/speaking

Another MLM is in hot water again with the FTC! This time it's Amare Global Holdings Inc. for alleged health and incomes claims! So Mr. F and I did what we do best when MLMs are accused of something we definitely know they did... we decided to prove it. All of the pieces of evidence presented in today's episode were found the day after this press release was dropped, leading me to believe that no one truly knows what's going over over at Amare on any given day.Show NotesSources used for evidence are being kept confidential due to the nature of legal proceedings and hun's who dirty delete. But I got SS/URLs if you need!FTC Sues to Stop Amare GlobalFTC sues AmareThe Influence ContinuumOut of MLM⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The BITE Model⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LAMLM Book Club⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MLM Dupes⁠⁠⁠⁠⁠⁠⁠How can you help?⁠⁠⁠⁠⁠⁠⁠MLM Change⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Report Fraud⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Truth in Advertising⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Report to your state Attorney General's office!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Not in the U.S.? No Problem!⁠⁠⁠⁠⁠⁠⁠Support the Podcast!⁠⁠⁠⁠⁠⁠⁠Website⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠ Patreon⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠ Buy Me a Taco⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠ TikTok⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠ Instagram⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠ Facebook⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠ YouTube⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠ Discord⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠ Merch!⁠⁠⁠⁠⁠⁠⁠Life After MLM is produced by Roberta Blevins. Audio editing is done by the lovely⁠⁠⁠⁠⁠⁠⁠ Kayla Craven⁠⁠⁠⁠⁠⁠⁠, video editing by the indescribable⁠⁠⁠⁠⁠⁠⁠ RK Gold⁠⁠⁠⁠⁠⁠⁠, and⁠⁠⁠⁠⁠⁠⁠ Michelle Carpenter⁠⁠⁠⁠⁠⁠⁠ is our Triple Emerald Princess of Robots. Life After MLM is owned by Roberta Blevins 2026.Music : Abstract World by ⁠⁠⁠⁠⁠⁠⁠Alexi Action⁠⁠⁠⁠⁠⁠⁠*Some links may be affiliate links. When you purchase things from these links, I get a small commission that I use to buy us tacos.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

From birthright citizenship to the independence of federal agencies, the Supreme Court is poised to decide a series of cases that could redefine the balance of power in Washington. Yale legal scholar and New York Times Magazine staff writer Emily Bazelon joins Ian Bremmer to assess what's at stake and whether the judiciary remains an effective check on presidential authority. Bazelon argues that Trump's effort to end birthright citizenship is unlikely to succeed, but says other pending cases involving the Federal Reserve and the Federal Trade Commission could significantly expand presidential control over agencies that Congress intentionally designed to operate independently. "I think it's very likely the court will rule in the president's favor," she says of the FTC case. The conversation also examines the Court's recent decisions on tariffs and voting rights, including a ruling that further weakened protections against partisan gerrymandering. Bazelon argues that the consequences extend beyond individual cases, contributing to a broader perception that the Court is becoming increasingly political. Yet despite declining public trust, Bazelon sees reasons for cautious optimism. While Congress has largely failed to constrain executive power, she argues that the judiciary, particularly the lower courts, has repeatedly pushed back against actions that exceed legal authority. The bigger question is whether those guardrails will continue to hold as the Court confronts some of the most consequential constitutional disputes still ahead. Subscribe to the GZERO World with Ian Bremmer Podcast on Apple Podcasts, Spotify, or your preferred podcast platform, to receive new episodes as soon as they're published. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

From birthright citizenship to the independence of federal agencies, the Supreme Court is poised to decide a series of cases that could redefine the balance of power in Washington. Yale legal scholar and New York Times Magazine staff writer Emily Bazelon joins Ian Bremmer to assess what's at stake and whether the judiciary remains an effective check on presidential authority. Bazelon argues that Trump's effort to end birthright citizenship is unlikely to succeed, but says other pending cases involving the Federal Reserve and the Federal Trade Commission could significantly expand presidential control over agencies that Congress intentionally designed to operate independently. "I think it's very likely the court will rule in the president's favor," she says of the FTC case. The conversation also examines the Court's recent decisions on tariffs and voting rights, including a ruling that further weakened protections against partisan gerrymandering. Bazelon argues that the consequences extend beyond individual cases, contributing to a broader perception that the Court is becoming increasingly political. Yet despite declining public trust, Bazelon sees reasons for cautious optimism. While Congress has largely failed to constrain executive power, she argues that the judiciary, particularly the lower courts, has repeatedly pushed back against actions that exceed legal authority. The bigger question is whether those guardrails will continue to hold as the Court confronts some of the most consequential constitutional disputes still ahead. Subscribe to the GZERO World with Ian Bremmer Podcast on Apple Podcasts, Spotify, or your preferred podcast platform, to receive new episodes as soon as they're published. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

On today's show, we dive into the cost structure of audio speakers. We start with an article that asks whether 'audiophile' speaker brands are milking you for $20,000. We also read your emails and cover the week's news. News: Important update to your DIRECTV account SVS Auto EQ Room Correction for R|Evolution Subwoofers YouTube TV adds Fox One, Peacock to Primetime Channels store Other: Monoprice Alpha In-Wall Speaker There's never been a better time to grab a new Google TV launcher Are 'Audiophile' Speaker Brands Are Milking You for $20,000 The listeners keep delivering great ideas for show topics. This week Mike LaBorde sent in an article published at headphonesty.com entitled A Former FTC Economist Quit His Job to Prove 'Audiophile' Speaker Brands Are Milking You for $20,000.  The author talks about how a former FTC economist quit his job to design and build affordable high-performance speakers.  He argued that many premium audiophile brands are significantly overpriced because they use similar OEM drivers from the same factories while charging massive markups for branding, cabinets, and dealer margins. We'll break down this article into five points we felt were interesting. The full article is linked and you may want to read it for more details. Many premium audiophile speaker brands rely on the same small group of OEM driver manufacturers (like Sinar Baja/SB Acoustics, SEAS (Scandinavian Electro Acoustic Systems), Scan-Speak, etc.). The same factories and engineering talent supply drivers to both high-end and mainstream brands, even when the final speakers carry vastly different logos and price tags. "Custom" or "proprietary" drivers are often overstated. Most brands customize only the "soft parts" (cone, surround, voice coil) on top of standard off-the-shelf "hard parts" from OEM suppliers, rather than designing and building drivers entirely from scratch. Pricing of speakers — The actual cost of the drivers is a tiny fraction of the retail price. In the Wilson Audio Yvette example, the three drivers cost roughly $530–$580 total, representing only about 2% of the $25,000+ selling price. The vast majority of the cost comes from cabinetry, finish, dealer margins (40-50%), distribution, marketing, and brand prestige, with a typical 5x markup from manufacturing cost to retail. Only a few brands truly manufacture their own drivers in-house. Companies like Focal, KEF, Dynaudio, Paradigm, and Bowers & Wilkins are exceptions. Most premium brands outsource driver production due to the high cost and complexity of vertical integration. High performance doesn't require extreme prices. Former FTC economist Dennis Murphy's Philharmonic Audio proves this by offering well-engineered speakers (like the $850/pair Ceramic Mini using quality SB Acoustics drivers) with minimal overhead, direct sales, and no lavish dealer/showroom costs — challenging the idea that great sound must come with five-figure price tags. The article essentially argues that much of the ultra-premium speaker market is driven more by branding and distribution economics than by revolutionary driver technology. What is the Cost Breakdown of Thousand Dollar Speakers? After going through the previous article we wondered what the actual cost breakdown of Passive bookshelf speakers retailing at $1,000 per pair? ThinkKEF Q series, ELAC Debut Reference, or similar mid to high end consumer hi-fi brands. They balance good performance with accessible pricing.  What follows is our best estimation based on the data we uncovered. If you are in the industry and have better data, please let us know and we will update this analysis. Sources for this analysis include - Audio Science Review, AVS Forum, WhatHifi, headphonesty.com, hubhifi, and a few others.  1. Design & Development (R&D) – Upfront Investment Typical cost: $50,000–$250,000+ for a new model line. Includes acoustic modeling, driver selection/tuning, crossover design, enclosure simulation, multiple prototypes, listening tests, and anechoic chamber measurements. For this price tier, brands often use a mix of off-the-shelf and mildly customized drivers rather than fully bespoke high-end ones.   Amortization: Spread over production volume and for this exercise we used a production run of 5,000–20,000 pairs. This adds roughly $5–$25 per pair at a reasonable scale. 2. Prototyping & Tooling Prototypes: 5–15 iterations at $300–$1,200 each which include custom cabinets, driver samples, hand-assembled crossovers. Tooling: CNC molds/jigs for cabinets, baffle cutting, or vinyl wrap tooling: $8,000–$40,000 upfront. Amortized to $2–$10 per pair. 3. Bill of Materials (BOM) – The Biggest Per-Unit Cost For a typical 2-way passive bookshelf (6.5" woofer + 1" tweeter) at this price point: Drivers - $80–$180 - 6.5" coated paper woofer (~$30–$70 ea.), soft dome or aluminum tweeter (~$15–$50 ea.). Brands like SEAS, SB Acoustics, or custom OEM. Cabinet -  $60-$130, - Braced MDF (18–25mm), vinyl wrap or basic veneer, internal damping, port tube, terminals. Real wood veneer adds premium. Crossover - $30-$80 - 2nd/3rd order with air-core inductors, film capacitors, resistors. Higher quality parts (Mundorf-level) push toward the upper end. Other (grille, wiring, hardware, terminals) - $20-$50 - Magnetic grilles, internal wiring, binding posts. Total BOM per pair: $190–$440 at volume production (typically in China or Vietnam for most brands). Premium touches (better drivers, thicker bracing, nicer finishes) push BOM toward the higher end. 4. Manufacturing, Assembly & Overhead Labor & Assembly: $25–$60 per pair (cabinet gluing/bracing, driver mounting, crossover soldering, final wiring, testing). Quality Control & Testing: Burn-in, frequency sweeps, distortion checks: $10–$25. Factory Overhead/Utilities: $35 - $50. Total Manufacturing per pair: $70 - $135 5. Full Cost Structure to Retail ($1,000/pair) We will assume a large brand that sells 20,000 units and has already invested in tooling and requires minimal new tooling for each new speaker design.  Design and R&D Amortized - $5 Prototype and Tooling  - $2 Bill of Materials - $315 - We split the $190 - $440 down the middle Manufacturing -  $103 - We split the $40 - $135 down the middle Shipping, duties etc to distributor per pair on average - $50 Total to Manufacture $474. The rest of the thousand dollars covers the distribution chain, branding, and profit. And in reality, depending on the efficiency of the factory and ability to leverage design histories from years of experience, the soft costs can be about a third of $110 we came up with, bringing the total cost to about $400. Key Variables Affecting Cost Volume: Higher production = lower per-unit costs. Driver Quality: Exotic materials (beryllium tweeters, carbon fiber) can double driver costs. Cabinet Finish: Vinyl vs. real walnut veneer = big difference. Brand Positioning: Established names (KEF, ELAC) have higher R&D/marketing allocation than direct-to-consumer brands. For comparison DIY builders can replicate similar performance for $300–$600 per pair in parts using higher quality drivers and crossover components and flat-pack or self-built cabinets, eliminating most of the overhead and markups. And after building over 30 sets of speakers I can say without doubt that what you build will sound as good as speakers costing ten times the amount. Plus you can use material that works best for you as well as customizing the look to match your decor. Even my latest set built from stock off the shelf components bought from Part Express for about $200 sound simply amazing!  

This week's lineup is loaded. The FTC just opened its first real antitrust investigation into fertilizer pricing, a Wisconsin farmer took the USDA to court over discrimination and won, and cattle prices are sitting at record highs while the screwworm threat creeps toward the border. Plus AI moving into the field, a hard look at why everybody copying everybody is killing small ag, and our Made in America pick. In this episode we get into the FTC fertilizer antitrust investigation, including why prices jumped overnight with no supply change and how that seems dirty. We break down the USDA discrimination settlement and how dairy farmer Adam Faust ended race- and sex-based preferences in federal farm programs like EQIP, loan guarantees, and Dairy Margin Coverage. We talk record cattle prices and the New World screwworm, with beef at all-time highs, the herd at a 75-year low, and the parasite Texas declared a disaster over. We dig into AI in agriculture, from cutting herbicide use 70% in the field to the data center land grab eating up rural farmland, water, and power. We get into why an oversaturated market is a race to the bottom for small farm operations and how to actually stand out instead of copying the crowd. We run our Top 3 occupations besides farming, hand out our Made in America pick with Crocodile Cloth, and close it out with a few words on glyphosate, Shawn Ryan, and the conversation the loudest critics keep dodging. Real talk from real farmers, row crops, cattle, and everything in between. New episodes weekly. Follow on Spotify so you never miss one. Go check out Agzaga! It is the ultimate online farm store. American owned and operated. Go check out their site and get what you need. Be sure to use the code TalkDirt20 to get $20 off your order of $50 or more! Visit them at: https://agzaga.com 

Episode #1363: A fresh look at thousands of FTC dealership complaints reveals where consumers are still finding friction. Tesla expands its Austin robotaxi footprint as autonomous ride-hailing scales up. And Buc-ee's reminds us that in Texas, even the ...

WE ARE BACK!!! Use our code for 10% off your next SeatGeek order*: https://seatgeek.onelink.me/RrnK/PRET... Sponsored by SeatGeek. *Restrictions apply. Max $20 discount Rula patients typically pay $15 per session when using insurance. Connect with quality therapists and mental health experts who specialize in you at https://www.rula.com/pretty #rulapod Please make sure to hyperlink the URL in the YT/Social/Podcast descriptions Please review the “AD” disclosure requirements based on FTC legal regulations here: http://ftc.gov/influencers Our listeners can buy one prescription pair and get 20% off any additional pairs at WarbyParker.com/PRETTY — and using our link helps support the show. #WarbyParker #ad Get up to $200 off Square hardware when you sign up at square.com/go//pretty! #squarepod Learn more about your ad choices. Visit megaphone.fm/adchoices

DOCKET ALERTS:   The lady who wore a penis costume to a No Kings protest in Fairhope, Alabama was acquitted of disturbing the peace.   DNI Tulsi Gabbard referred the Ukraine Whistleblower and former Intelligence Community Inspector General to the DOJ for criminal prosecution. Crime: TBD.   US Attorney for DC Jeanine Pirro continues to harass the Federal Reserve. This time she sent prosecutors to bang on the door demanding to inspect the ongoing renovations.   The Trump administration uses the threat of administrative sanctions to force changes it can't get from Congress or the courts. The Justice Department extorted $17 million from IBM — which just so happens to have billions of dollars in government contracts! — for committing DEI "fraud." And the FTC forced brand advisers to agree not to "discriminate" against conservative media outlets.   On a more positive note, a judge in Maryland continues to block the ICE facility being constructed in the state, and Judge Richard Leon put the kibosh on Trump's ballroom … again.   MAIN SHOW:   A jury slapped Live Nation and Ticket Master in the antitrust lawsuit filed in New York. The feds noped out two days into trial, but the states who picked up the baton and ran with it. The jurors found the company liable on all counts. We talk about the ins and outs of the decision and some pending legal questions still waiting for resolution.    We also break down a new lawsuit brought by a lawful resident of Maine with no criminal record who was seized by ICE during "Operation Catch of the Day" and brutalized. Can he sue under the Maine Civil Rights Act? And if so, is this a path forward for blue states to fill the gap left by inadequate federal laws?   Penis costume protester prevails in court https://www.courthousenews.com/penis-costume-protester-prevails-in-court/   Tulsi's "Criminal Referral" of the Ukraine Whistleblower and ICIG https://www.dni.gov/index.php/newsroom/press-releases/press-releases-2026/4154-pr-06-26   Prosecutors from Jeanine Pirro's office tried to access Federal Reserve headquarters, but were turned away https://www.cbsnews.com/news/prosecutors-jeanine-pirro-office-visit-federal-reserve-headquarters-jerome-powell/   Justice Department settles with IBM over alleged DEI practices https://www.washingtonpost.com/national-security/2026/04/16/justice-department-settles-with-ibm-over-alleged-dei-practices/   Ad firms settle with Trump FTC over claims they boycotted conservative media https://arstechnica.com/tech-policy/2026/04/ad-firms-settle-with-trump-ftc-over-claims-they-boycotted-conservative-media   Maryland v. Mullin https://www.courtlistener.com/docket/72313096/state-of-maryland-v-mullin   National Trust for Historic Preservation v. National Park Service https://www.courtlistener.com/docket/72028010/national-trust-for-historic-preservation-in-the-united-states-v-national   US v. LiveNation [docket via CourtListener] https://www.courtlistener.com/docket/68557723/united-states-of-america-v-live-nation-entertainment-inc/?order_by=desc&page=1   Carvajal-Munoz v. Ravencamp [docket via CourtListener] https://www.courtlistener.com/docket/73186770/carvajal-munoz-v-ravencamp/   Maine Civil Rights Act, 5 M.R.S. 4682 https://legislature.maine.gov/statutes/5/title5sec4682.html   "State Law, the Westfall Act, and the Nature of the Bivens Question," [2013 U. Penn. L. Rev.] https://scholarship.law.georgetown.edu/cgi/viewcontent.cgi?article=1976&context=facpub   Show Links: https://www.lawandchaospod.com/ BlueSky: @LawAndChaosPod Threads: @LawAndChaosPod Twitter: @LawAndChaosPod

Prediction markets like Kalshi let you bet on presidential elections, Taylor Swift's engagement, and whether it'll snow in LA this month. Billions in annual trading volume. Near-zero consumer protections. And a younger male demographic growing faster than any other.Craig Perra sits down with Joe Ciccolo -- nationally recognized expert in digital asset regulatory compliance, founder of BitAML, and Executive Director of the California Blockchain Advisory Coalition -- to break down what prediction markets actually are, why they're structurally different from gambling (and why that distinction matters for your protection), and what nobody in the industry wants you to know about the regulatory gap that leaves consumers completely exposed.This is not a fear piece. This is a pattern recognition conversation.What you'll learn:*How prediction markets work and why they're more addictive than traditional betting*The insider trading paradox: why informed trading is literally built into the model*Why the FTC regulates these platforms but has zero consumer protection mandate*How crypto exchanges fusing with prediction markets are eliminating the last friction between you and a compulsive bet*What the industry's own marketing reveals about who they're really targetingIf you recognize yourself in any of this, the Self-Sabotage Assessment at mindfulhabitmastery.com/slst is where to start.Connect with Joe Ciccolo:LinkedIn: https://www.linkedin.com/in/joeciccolo/Website: https://www.bitaml.com

Why one former senior advisor of the FTC thinks a libertarian myth of the internet has given Big Tech too much power.Fact checking by Vito Emanuel.Your Next Listen — Why infinite scroll's inventor wants to kill his creationConnect with The Indicator — Sign up for The Indicator's brand new newsletter— Find our socials, YouTube and more!— For sponsor-free episodes, subscribe to NPR+ See pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences.NPR Privacy Policy

How the Sutter Health Antitrust Case Opened the Door for Employers and Members to Recover Hospital Overcharge Damages What happens when a self-insured employer or health plan member finally says enough is enough and takes a consolidated hospital system to court over anticompetitive contracting practices? That's exactly what antitrust attorney Matthew Cantor did — and after 13 years of litigation, three trips to the Ninth Circuit Court of Appeals, and a first trial, he and his team secured a landmark $228.5 million settlement in Sidibe v. Sutter Health. In this episode, Stacey Richter speaks with Matthew Cantor, founding partner of Shinder Cantor Lerner LLP, about one of the most significant antitrust victories in healthcare history — and what it means for self-insured employers, plan sponsors, and everyday members who have been paying inflated premiums because of hospital market power. WHAT YOU'LL LEARN ✅ How all-or-nothing clauses and anti-steering/anti-tiering provisions allow dominant hospital systems to lock up local geographies and block members from accessing lower-cost, higher-quality care ✅ Why holding large, consolidated health systems legally accountable is so difficult — including the halo effect, the FTC's lack of jurisdiction over nonprofits, and the challenges of unsympathetic witnesses ✅ How Sidibe v. Sutter Health established a groundbreaking precedent allowing indirect purchasers — employers and plan members paying inflated premiums — to recover damages from hospital overcharges ✅ Why the DOJ is already pursuing similar anti-steering litigation against health systems like OhioHealth and NewYork-Presbyterian ✅ Four concrete options for employers ready to stop being passive price takers: federal legislation, state legislation, engaging the DOJ and state attorneys general, and direct litigation WHY THIS MATTERS Hospital charges make up roughly 50% of underlying medical costs, which in turn represent 80–85% of health insurance premiums. When consolidated systems operate in local markets with little competition, everyone — employers and members alike — pays more. Sidibe v. Sutter Health shows that accountability is possible. === LINKS ===

Episode #1361: The FTC names 97 dealers in a warning over advertising practices, new data shows EV truck owners are surprisingly disloyal to legacy brands, and Anthropic files for an IPO after rocketing past OpenAI in valuation. Show Notes with links: ...

Many people think there's a single "perfect" diet for bone health, but the truth is, what works for one person may not work for another. In this episode, I'm joined by Ashley Koff, a registered dietitian, USA Today bestselling author of Your Best Shot, and founder of The Better Nutrition Program, to explore why one-size-fits-all nutrition doesn't work for bone health. We dive into the gut-bone axis, discussing how your digestion, nutrient absorption, and hydration impact whether your body can actually use the nutrients you consume to strengthen your bones. Ashley emphasizes that even if two people eat the same diet, one may gain bone strength while the other continues losing it. We also discuss the importance of tracking blood sugar and how modern medications like GLP-1 agonists affect bone health. Ashley shares strategies to personalize your nutrition, including how to evaluate your total nutrient intake from foods, supplements, and medications, and adjust them to support your bones effectively. This conversation will help you take control of your nutrition, optimize digestion, and implement personalized strategies that support bone strength, metabolism, and overall health.   "If your digestion is not optimal, you cannot have optimal bone health." ~ Ashley Koff, RD   In this episode: - [02:08] - Why personalized nutrition is necessary for bone health - [03:45] - Total nutrition: combining food, supplements, and medication - [06:37] - The importance of comprehensive digestive assessment - [12:33] - Proper hydration and its role in nutrient transport for bone health - [25:17] - Practical strategies for digestion, eating habits, and nutrient absorption - [30:16] - Blood sugar regulation and its impact on bones - [42:46] - Menopause, hormones, and their interaction with gut and bone health - [46:56] - More information about GLP-1 agonists - [50:23] - Accessing Ashley's Better Nutrition Program, free consults, and community   Resources Live Class with Ashley: Personalized Nutrition and Exercises for Better Digestion & Bone Health on Thursday, July 9th at 12:00 PM EDT. Join Ashley and Margie's community for practical, science-backed strategies to support digestion and bone health. The first 200 people to register get a complimentary copy of Ashley's book, Your Best Shot! Register here: https://margie-bissinger.mykajabi.com/personalized-nutrition-and-exercises-for-better-digestion-bone-health   Get Your Personalized Nutrition Plan: Work with Ashley to build a nutrition plan tailored to you. Use code Margie20 for your 20% discount. https://thebetternutritionprogram.com/ Prefer to chat first? Book a free 15-minute call: https://meetings.hubspot.com/team-bnp/15-minute-chat?uuid=85714460-8a38-4268-b2aa-7c9fc1833c65   Osteoporosis Exercises - https://tinyurl.com/Exercisesforbonehealth   More about Margie - Website - https://margiebissinger.com/  - Facebook - https://www.facebook.com/p/Margie-Bissinger-MS-PT-CHC-100063542905332/  - Instagram - https://www.instagram.com/margiebissinger/?hl=en    DISCLAIMER – The information presented on this podcast should not be construed as medical advice. It is not intended to replace consultation with your physician or healthcare provider. The ideas shared on this podcast are the expressed opinions of the guests and do not always reflect those of Margie Bissinger and Happy Bones, Happy Life Podcast. *In compliance with the FTC guidelines, please assume the following about links on this site: Some of the links going to products are affiliate links of which I receive a small commission from sales of certain items, but the price is the same for you (sometimes, I even get to share a unique discount with you). If I post an affiliate link to a product, it is something that I personally use, support, and would recommend. I personally vet each and every product. My first priority is providing valuable information and resources to help you create positive changes in your health and bring more happiness into your life. I will only ever link to products or resources (affiliate or otherwise) that fit within this purpose.

In this eye-opening episode of the Millionaire Car Salesman Podcast, Sean V. Bradley sits down with CBT News co-founder and automotive industry veteran Jim Fitzpatrick for a conversation that every dealer principal, general manager, and automotive leader needs to hear. "The FTC is going to be saying, look, you can't play games with this. If your salesperson is out there pitching a price on a car... your salesperson is now going to be representing to the consumers what the sale price of that car is." - Jim Fitzpatrick As the FTC increases its focus on dealership advertising, pricing transparency, and consumer protection, many retailers are left wondering: Is my dealership truly prepared? Sean and Jim unpack one of the most important topics facing the automotive industry today, exploring how regulatory changes, compliance expectations, and evolving consumer demands are reshaping the dealership landscape. From pricing disclosures and advertising practices to the growing influence of social media and personal branding, this discussion highlights why old habits could create new risks in today's market. "We're really bringing together the smartest minds in retail automotive or most of them, to bring them together to say, look, let's help dealers figure this thing out." - Jim Fitzpatrick Without giving away all the answers, this episode challenges dealers to think differently about compliance, leadership, training, and accountability. More importantly, it highlights why staying informed and proactively adapting may be one of the biggest competitive advantages a dealership can have moving forward. Whether you're a dealer principal, GM, GSM, compliance officer, or automotive professional, this conversation will help you better understand the road ahead and why industry leaders are paying close attention to the conversations surrounding FTC enforcement, dealership operations, and the future of automotive retail. Register for the Auto Leadership Summit in Washington, D.C. here and get $100 OFF with code 'SEAN100': https://www.cbtnews.com/auto-leadership-summit/ Because in today's environment, what you don't know could cost you far more than you think… Key Takeaways: ✅ The FTC is focusing on fair pricing and transparent marketing practices in the automotive industry to protect consumer interests. ✅ Dealers need a comprehensive training program that includes a structured compliance strategy to address pricing and social media marketing challenges. ✅ Social media influencers and individual sales representatives can unwittingly cause compliance issues if they post content related to pricing without understanding the implications. ✅ Establishing a robust audit system for social media content posted by dealership employees is vital to maintain compliance and protect brand reputation. ✅ The CBT News Auto Leadership Summit on Fair Pricing and Compliance will offer insights from experts across the industry on how to navigate these compliance challenges.   About Jim Fitzpatrick Jim Fitzpatrick is a 25-year veteran of the retail automotive industry. He began his career in 1980 as a new car salesperson at a high-volume Toyota dealership in South Florida and quickly rose through the ranks, holding executive positions with AutoNation and JM&A. In 2001 Jim became the Managing Partner of a Toyota dealership in Augusta Georgia.  In 2004 Jim, along with his son, John, co- founded Force Marketing in Atlanta, Georgia which currently serves over 1600 franchised dealers throughout North America. In 2012, realizing the need for new car dealers to have their own news and information platform, Jim and his wife Bridget, launched CBT Automotive Network.  In addition to providing daily news reports, CBT produces nine weekly shows, hosted by the industry's best known consultants and trainers. Each show focuses on different departments of the dealership operation. Over 54,000 dealer principals, OEM, and Association Executives throughout North America receive CBT's daily newsletters. A recent study found that more people view CBT's video segments than any other automotive media platform. A father of five and grandfather of six, Jim lives in Atlanta, Georgia with his family.     Harnessing Regulatory Compliance and Social Media Strategy in Automotive Sales: Insights from Industry Leaders   Key Takeaways Social Media Compliance: Dealerships must enforce strict social media policies to ensure compliance with Federal Trade Commission (FTC) regulations and protect their brand image. Price Transparency: Aligning advertising strategies with FTC guidelines on fair pricing can prevent costly violations and enhance consumer trust. Training and Policies: Implementing comprehensive training programs and policies can safeguard dealerships against potential regulatory breaches and maintain operational integrity.   Navigating the Complex World of Social Media Compliance In the ever-evolving automotive industry, dealerships face a growing demand to maintain transparency and compliance, particularly in the realm of social media. The transcript from a riveting conversation between Jim Fitzpatrick and Sean V. Bradley highlights the importance of ensuring dealership employees adhere to social media guidelines set by the FTC. Fitzpatrick asserts that social media has become crucial in portraying a dealership's brand and customer experience. "Take the influencers and have them talk about the experience, have them talk about the selection," he suggests, emphasizing content that avoids pricing to remain compliant. The conversation underscores the significant role dealerships' social media strategies play in forming consumer perceptions and regulatory compliance. With employees potentially acting as brand ambassadors online, the repercussions of non-compliant posts can be detrimental. Discounted prices or misleading offers shared on personal platforms, as Fitzpatrick points out, can draw unwanted regulatory scrutiny. Dealerships are not just at risk of tarnishing their reputation but also face hefty fines. Simply put, ensuring a strategy that focuses on non-monetary aspects of the dealership experience can protect both brand and financial standing. Price Transparency: A Path to Building Consumer Trust Price transparency in dealership advertising is another crucial theme woven throughout the dialogue. The FTC, under the Biden administration, has intensified its focus on what it terms "junk fees" in various industries, including automotive. "Maybe the managers are saying, well, in order for us to be compliant, we're going to price ourselves right out of the marketplace," Fitzpatrick notes, acknowledging the balance dealerships must strike between competitive pricing and regulatory adherence. According to Bradley, the importance of consistency across advertised prices and what consumers actually pay when they walk into a dealership cannot be overstated. Misleading pricing not only disrupts consumer trust but also exposes dealerships to severe penalties. With the FTC reportedly sending out 97 warnings to dealerships about these practices, the industry is on high alert. Dealerships must ensure that their advertising reflects the actual purchase price, minus incentives, to maintain compliance and consumer confidence. Comprehensive Training and Policies for Sustainable Operations Both Bradley and Fitzpatrick adamantly express the importance of robust training and policy establishment to mitigate the risks of regulatory infringements. Fitzpatrick underscores the need for ongoing employee education, suggesting that training programs specifically tailored to reinforce compliance norms can be a dealership's strongest defense. "If you don't have ongoing training in this area…you have no defense," he mentions. Bradley concurs, emphasizing the necessity of consistent managerial oversight and the implementation of structured communication protocols, such as computer use policies. These measures not only ensure that the dealership aligns with federal regulations but also empower employees with the knowledge they need to uphold the company's reputation. Comprehensive, routine audits and training can preemptively address and rectify potential compliance issues before they escalate to external disputes or regulatory scrutiny.   Navigating the intricacies of compliance in the automotive industry requires a proactive and strategic approach. By fostering a culture of transparency and accountability through comprehensive training and controlled social media strategies, dealerships can fortify themselves against regulatory pitfalls. As the conversation between Bradley and Fitzpatrick poignantly illustrates, these measures not only safeguard against financial penalties but also contribute to building a resilient, consumer-focused brand reputation in a competitive industry landscape.     Resources + Our Proud Sponsors:   ➼ The Millionaire Car Salesman Facebook Group: Join the #1 Automotive Sales Mastermind Facebook Group with over 29,000 automotive professionals worldwide. The Millionaire Car Salesman Facebook Group is the go-to community for car salespeople, BDC agents, sales managers, general managers, and dealer principals looking to increase performance, income, and leadership skills. Inside the group, members collaborate daily on automotive sales strategies, lead handling, phone scripts, closing techniques, CRM best practices, dealership leadership, and accountability systems. Learn directly from top automotive trainers, industry mentors, and high-performing sales leaders who are actively winning in today's market. If you're serious about growing your automotive career, increasing car sales, and building long-term success, join The Millionaire Car Salesman Facebook Group today! ➼ Dealer Synergy: Dealer Synergy is the automotive industry's #1 Sales Training, Consulting, and Accountability Firm, with over 20 years of proven dealership success nationwide. We specialize in helping car dealerships increase sales, improve processes, and build high-performing Sales, Internet, and BDC departments from the ground up. Our expertise includes automotive phone scripts, rebuttals, CRM action plans, lead handling strategies, BDC workflows, Internet sales processes, management training, and accountability systems. Dealer Synergy partners directly with dealership leadership to align people, process, and technology, ensuring consistent results and scalable growth. From independent dealers to large dealer groups and OEM partnerships, Dealer Synergy delivers measurable performance improvements, stronger teams, and sustainable profitability. ➼ Bradley On Demand: Bradley On Demand is the automotive industry's most advanced interactive training, tracking, testing, and certification platform for car dealerships — built to develop top-performing teams across Sales, Internet Sales, BDC, CRM, Phone Skills, Leadership, and Management. In addition to LIVE virtual automotive training classes and a library of 9,000+ on-demand dealership training modules, Bradley On Demand now includes AI Phone Roleplaying and Coaching to help salespeople and BDC agents practice real dealership conversations before they ever get on the phone with customers. This AI-powered roleplay technology strengthens phone scripts, objection handling, appointment setting, lead follow-up, and closing skills, while providing measurable coaching feedback for continuous improvement. Bradley On Demand empowers dealerships to train faster, coach smarter, improve call performance, increase closing ratios, and sell more cars more profitably — all through structured, trackable, modern automotive training.

Today on CarEdge Live, Ray and Zach discuss the latest on the FTC. Tune in to learn more! Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

On today's episode, Editor in Chief Sarah Wheeler talks with Lead Analyst Logan Mohtashami about the delinquency data on credit cards and car loans and how that affects the housing market. Related to this episode: Credit card and auto loan delinquencies look like 2008. Housing does not HousingWire | YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ More info about HousingWire The Top 5: CoStar to buy Zonda from MidOcean Partners NAR urges DOJ and FTC to issue clear guidance on MLSs Is Zillow a public utility? Attorneys weigh in on MRED, Compass suit Fair housing groups sue CFPB, Vought over ECOA lending rule What happens to mortgage rates if the Iran conflict is over? The HousingWire Daily podcast brings the full picture of the most compelling stories in the housing market reported across HousingWire. Each morning, listen to editor in chief Sarah Wheeler talk to leading industry voices and get a deeper look behind the scenes of the top mortgage and real estate.

Used-car financing gained ground in the first quarter as affordability pressures continued to push consumers away from higher-priced new vehicles. Used vehicles accounted for 58.6% of all auto financing in Q1, up from 58.2% a year earlier and marking the first Q1 increase since 2023, according to Experian.  The shift underscores a broader affordability challenge facing the auto industry as average used-vehicle loan amounts rose 3% YoY to $27,070, while average monthly payments increased 1.5% YoY to $531. New vehicles remained considerably more expensive, with average loan amounts hitting $43,925 and monthly payments climbing 2.9% YoY to $770. As consumers look for lower-cost options, lenders also are expanding credit access, with nonprime borrowers accounting for 31.6% of all auto loans in Q1.  Growth remained a key theme for lenders, including AutoNation Finance, Global Lending Services, Stellantis Financial Services and Lendbuzz, which were among the fastest-growing auto lenders by outstandings in 2025, according to the latest Big Wheels Rankings. Auto ABS, AI and compliance take center stage Meanwhile, funding markets were active, with U.S. auto asset-backed securities issuance at $79.3 billion year to date through May 29, up 3.9% YoY, according to JPMorgan Securities.  In addition, the FTC disclosed the names of 97 dealership groups that received warning letters concerning potentially deceptive vehicle pricing practices, reinforcing the agency's focus on transparency and compliance.  In this episode of “Weekly Wrap,” Auto Finance News Editor Amanda Harris, Deputy Editor Johnnie Martinez II and Senior Associate Editor Aidan Bush discuss top trends across macroeconomic dynamics, affordability, funding and powersports lending for the week ended May 29. 

Episode 107 – Ending Sexploitation Podcast  When larger institutions speak up, the conversation in our culture and around the world can start to shift.  Haley McNamara & Dani Pinter discuss 3 recent headlines that illustrate the importance of leaders and prominent institutions speaking up about sexual exploitation. Pope Leo XIV released his first encyclical, which addresses many aspects of emerging technology – particularly Artificial Intelligence. The United Nations issued a statement from experts Reem Alsalem and Ana Brian Nougrères on the complicity of online pornographic platforms and other intermediaries in sexual exploitation of women and girls. The FTC has received a complaint filed by Fairplay and NCOSE with support of many partner organizations alleging that the design of Roblox puts kids at risk.   Support this podcast by donating to the work at NCOSE: https://EndSexualExploitation.org/DONATE  Read our blog about the FTC complaint against Roblox: https://endsexualexploitation.org/articles/fairplay-and-ncose-file-complaint-with-federal-trade-commission-ftc-over-roblox-harms-to-children/  Read the articles referenced in this episode:  https://www.vaticannews.va/en/pope/news/2026-05/pope-leo-xiv-encyclical-magnifica-humanitas-ai.html  https://www.ohchr.org/en/press-releases/2026/05/un-experts-alarmed-complicity-online-pornographic-platforms-and-other  https://fortune.com/2026/05/20/exclusive-advocacy-groups-file-complaint-roblox-manipulative-design/  Follow us on Instagram and submit questions for the podcast! https://www.instagram.com/endexploitation/ 

The South and West sides of Chicago are gaining more CTA-area development, but gaps still persist. Crain's reporter Rachel Herzog discusses with host Amy Guth. Plus: Trump Tower lands first retail tenant more than 17 years after opening, Mag Mile office tower extends run of downtown distress, FTC chair says agency is probing fertilizer industry over price hikes and a luxury steakhouse is set to open in the old Esquire Theater. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This week's Friday Free-for-all features Jim Wiesemeyer of Wiesemeyer's Perspectives podcast and Farm Journal executive producer Clinton Griffiths, plus special guest Brian Willott, Missouri Corn Growers Association board member. Brian shares his experience of attending a special event in Texas where the FTC announced an investigation into the fertilizer industry.See omnystudio.com/listener for privacy information.

The FTC says it will be investigating the fertilizer industry, plus oil pushes new inflation numbers, and how one man's vision is turning old barn wood into eternal vessels.See omnystudio.com/listener for privacy information.

Tejas Manohar, co-founder and co-CEO of Hightouch, joins Ari Paparo and Eric Franchi to discuss composable CDPs, replacing LiveRamp, enterprise AI workflows, and why marketers still need SaaS in the age of vibe coding. They also cover Meta's new apps, OpenAI ads, AppLovin's social ambitions, X's ad business, and the rise of clipping in political campaigns. Takeaways: - Hightouch is emerging as a strong alternative to LiveRamp for identity onboarding and data activation. - Tejas Manohar explains why composable CDPs and enterprise AI workflows are gaining momentum. - The team discusses agentic AI, OpenAI ads, Meta's new apps, and the future of marketing automation. - X, AppLovin, and Meta are all evolving their platforms around AI, data, and advertising scale. - Political campaigns are increasingly using clipping and influencer distribution over traditional media. Chapters: 00:00 Intro & Marketecture Live Chicago announcement 01:28 IAB Tech Summit and industry association discussion 02:43 Introducing Hightouch co-founder Tejas Manohar 04:20 What Hightouch actually does 05:22 Composable CDPs explained 07:32 SaaS apocalypse vs enterprise software reality 11:08 Can Hightouch replace LiveRamp? 13:58 Hightouch's vision for agentic AI marketing 17:09 Why CDPs matter for AI workflows 20:48 Tejas Manohar's background and Segment experience 23:32 Running Hightouch as co-CEOs 24:37 AppLovin launches social app “Gist” 28:11 Meta launches Reddit-style Forums app 30:41 Meta's AI consulting and enterprise ambitions 34:42 X ad revenue, xAI, and social graph advantages 37:14 OpenAI ads and “conversational intent” 40:51 The rise of clipping in politics and media 44:28 FTC settlement over “active listening” claims 46:52 All Eyes On raises funding in the CTV space 48:57 Closing thoughts and outro Guests: Ari Paparo, Eric Franchi, Tejas Manohar Learn more about your ad choices. Visit megaphone.fm/adchoices

On today's episode of AD Nauseam, Amy and Daniel explore substantiation for cosmetic advertising claims, outlining how companies can effectively promote beauty products without crossing regulatory lines. They discuss the FTC and NAD's approach to efficacy claims—including the need for reliable lab testing, properly designed consumer perception studies, and accurate visual depictions—and highlight common pitfalls involving before‑and‑after imagery, “natural” and ingredient claims, and overstated performance promises that can trigger enforcement risk.Questions & Comments: amudge@bakerlaw.com or dkaufman@bakerlaw.com

This Day in Legal History: Black Monday and the End of the NIRAOn May 27, 1935 — a day quickly dubbed “Black Monday” by the press — the United States Supreme Court delivered three unanimous decisions that gutted central pieces of Franklin Roosevelt's New Deal in a single morning. The most consequential was A.L.A. Schechter Poultry Corp. v. United States, in which the Court struck down the National Industrial Recovery Act. The case grew out of the prosecution of a Brooklyn kosher poultry slaughterhouse for violating the “Live Poultry Code,” one of the hundreds of industry codes drafted by trade groups and given the force of federal law by the National Recovery Administration. The Court held that the NIRA's code-making scheme was an unconstitutional delegation of legislative power to private actors and the executive, and that the federal government's Commerce Clause authority did not reach the intrastate sale of poultry to local butchers. Justice Cardozo, concurring, famously described the statute as “delegation running riot.”The same day, in Humphrey's Executor v. United States, the Court cabined the President's power to remove members of independent regulatory commissions, a holding that would shape the constitutional status of agencies like the FTC, SEC, and FCC for the next ninety years. And in Louisville Joint Stock Land Bank v. Radford, the Court invalidated the Frazier-Lemke Farm Bankruptcy Act as an uncompensated taking from secured creditors. Roosevelt was, by all accounts, furious — and Black Monday became the proximate cause of his 1937 court-packing plan, which failed in Congress but is generally credited with prompting the “switch in time” that produced the more deferential commerce-clause and administrative-law jurisprudence of Jones & Laughlin Steel and the decades that followed. The nondelegation doctrine the Court announced in Schechter has, famously, not been used to strike down a federal statute since — though it has been the subject of growing interest from the current Court's conservative majority, which makes the ninety-first anniversary of Black Monday more than just a historical footnote.Former President Joe Biden has sued the Department of Justice to block the release of audio recordings and transcripts from his interview with Special Counsel Robert Hur, the prosecutor who investigated Biden's handling of classified documents and declined to bring charges. According to the filing, Biden argues that releasing the recordings would skirt federal law restricting disclosure of materials gathered in a special counsel probe, and would effectively turn protected investigative material into political fodder. The suit follows a 2024 Freedom of Information Act action by the conservative Heritage Foundation seeking the same recordings, and comes against the backdrop of repeated efforts by the current administration to make Hur-era material public — efforts the Biden team has argued are intended to embarrass the former president rather than to serve any legitimate investigative or oversight function. The transcripts of the Hur interviews were released back in 2024, but the audio itself has been the subject of executive privilege fights ever since. Worth watching for what the court does with the privilege claims, and for how the Special Counsel regulations are treated now that there is an ex-president on each side of these disputes.Former President Biden sues DOJ over release of interview audio | ReutersThe Trump administration is asking a California federal judge to throw out an expanded challenge to its sweeping reorganization of the federal workforce, calling the litigation a “litigation safari.” In a Friday motion to dismiss filed in AFGE v. Trump, the administration urged Judge Susan Illston to toss a supplemental complaint that broadened the case to cover, among other things, the downsizing of FEMA and a set of forward-looking workforce planning documents the administration issued last October. The original suit, filed in April 2025 by a coalition including the American Federation of Government Employees, SEIU, and the cities of Chicago, Baltimore, and San Francisco, challenged layoffs and reorganizations at more than twenty federal agencies. Judge Illston enjoined the workforce plans last May, but the Supreme Court stayed her injunction in July, and she has since declined to dismiss the case outright.The administration's argument is essentially jurisdictional: that the October planning documents are too tentative to constitute “final agency action,” that there is no specific DHS order behind the FEMA contract lapses the plaintiffs point to, and that individual FEMA terminations must run through the administrative civil-service process rather than land in district court. The “litigation safari” framing — that the plaintiffs are simply “roving the executive branch to explore various employment issues” — is rhetorically catchy but glosses over the more interesting underlying question: how cleanly the Administrative Procedure Act's “final agency action” requirement maps onto a coordinated, rolling, and openly cross-agency reorganization. A ruling on the dismissal motion is expected later this summer.Trump Admin Looks To Ax Expanded Suit Over Staffing Cuts - Law360Billionaire insurance magnate Greg Lindberg was sentenced in the Western District of North Carolina to twelve years in federal prison across two separate criminal cases — eighty-seven months on charges that he tried to bribe the state's insurance commissioner, and 144 months on wire-fraud charges arising from a $2 billion scheme in which prosecutors said he treated the insurance companies he controlled as a personal piggy bank. The sentences will run concurrently. Judge Max Cogburn also entered a preliminary restitution order of $1.6 billion based on a court-appointed special master's recommendation, which Lindberg's defense team described as the largest restitution award in state history.Prosecutors said the scheme harmed more than two hundred thousand victims, most of them elderly annuity holders, at least twenty thousand of whom died before any promised payouts arrived. The bribery case has its own complicated history — Lindberg was first convicted in 2020, had that conviction vacated by the Fourth Circuit in 2022 over faulty jury instructions, and was reconvicted on retrial in 2024. He pleaded guilty to the separate wire-fraud and money-laundering counts in November 2024. Judge Cogburn credited Lindberg's “extraordinary cooperation” with prosecutors and the special master, but also noted, with what reads like real exasperation in the transcript, that Lindberg has continued to file pro se civil lawsuits against the insurance companies he once owned and that the case illustrates how much of our regulatory apparatus can be “bought and sold like sacks of potatoes.” The government had sought roughly fourteen and a half years; Lindberg had asked for four.‘Regretful' Billionaire Gets 12 Years For $2B Fraud, Bribery - Law360The Colorado Supreme Court ruled unanimously that a debt buyer suing a consumer must attach to its complaint a non-affidavit writing that actually shows the buyer owns that consumer's debt — not just a generic bill of sale showing that the buyer purchased some bundle of receivables from the original creditor. The case, Wright v. Portfolio Recovery Associates, involved a $671.29 Victoria's Secret credit-card balance that Comenity Bank had sold to Portfolio Recovery in 2018. Portfolio Recovery's complaint attached a bill of sale and an affidavit identifying the last four digits of Wright's account number, and the lower courts found that sufficient under Colorado's Fair Debt Collection Practices Act. The Colorado Supreme Court, in the first opinion authored by recently appointed Justice Susan Blanco, reversed and held the affidavit could not cure a complaint that didn't first satisfy the statute's non-affidavit-writing requirement.The practical consequence is significant: the four largest debt buyers alone filed close to forty thousand cases in Colorado county courts between 2013 and 2015, accounting for around eight percent of the state's county-court civil docket, and many of those complaints have historically relied on exactly the kind of generic bill-of-sale-plus-affidavit packaging the court just rejected. Consumer advocates argue the ruling will help consumers — most of whom never had any relationship with the debt buyer — understand and respond to the suits filed against them; the debt-buying industry will, in the near term, need to retool its pleading practices statewide.Colo. Justices Say Debt Buyer Must Show It Owns The Debt - Law360 This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.minimumcomp.com/subscribe

The FBI warns attackers are abusing Microsoft OAuth authentication. India pushes faster patching as AI speeds up cyberattacks. Iranian hackers blend phishing with SEO poisoning. Anthropic's AI finds thousands of open source flaws, while AI also reshapes bug bounties and fuels supply-chain attacks hitting thousands of GitHub repos. Plus, a new LMS zero-day, bulletproof hosting arrests in the Netherlands, FTC action over bogus “active listening” claims, and another busy week for cyber funding and M&A. Our guest is Kurtis Minder, author, joining us to discuss his book "Cyber Recon: My Life in Cyber Espionage and Ransomware Negotiation.” Please disregard all searches for disregard. Remember to leave us a 5-star rating and review in your favorite podcast app. Miss an episode? Sign-up for our daily intelligence roundup, Daily Briefing, and you'll never miss a beat. And be sure to follow CyberWire Daily on LinkedIn. CyberWire Guest Today we are joined by Kurtis Minder, author, joining us to discuss his book "Cyber Recon: My Life in Cyber Espionage and Ransomware Negotiation." Selected Reading FBI warns of Kali365 phishing service targeting Microsoft 365 accounts (Bleeping Computer) India's CERT-In Sets 12-Hour Patch Deadline for Exposed Flaws (Infosecurity Magazine) Iran-Linked Hackers Target US Aviation with Phishing and SEO Poisoning Campaign (Infosecurity Magazine) Anthropic: Mythos Detected 23,000 Potential Vulnerabilities Across 1,000 OSS Projects (SecurityWeek)  HackerOne takes an axe to its bug bounty rewards (The Register) Automated 'Megalodon' Campaign Spreads GitHub Repo Backdoors (GovInfo Security) Hackers Exploited KnowledgeDeliver Zero-Day for Web Shell Deployment (SecurityWeek) Admins of Bulletproof Hosting Service Used by Russian Hackers Arrested in Netherlands (SecurityWeek) FTC to Require Cox Media Group, Two Other Firms to Pay Nearly $1 Million to Settle Charges They Deceived Customers About “Active Listening” AI-Powered Marketing Service (Federal Trade Commission) Socket raises $60 million in Series C funding. (N2K Pro Business Briefing) You can no longer Google the word 'disregard' (TechCrunch) Share your feedback. What do you think about CyberWire Daily? Please take a few minutes to share your thoughts with us by completing our brief listener survey. Thank you for helping us continue to improve our show. Want to hear your company in the show? N2K CyberWire helps you reach the industry's most influential leaders and operators, while building visibility, authority, and connectivity across the cybersecurity community. Learn more at sponsor.thecyberwire.com. The CyberWire is a production of N2K Networks, your source for strategic workforce intelligence. © N2K Networks, Inc. Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you exercising for osteoporosis but unsure if your program is truly effective? Many people miss key components that make all the difference in preventing fractures and building strong bones. In this episode, I dive into the essentials of a complete osteoporosis exercise program. As a physical therapist with over 40 years of experience, I've seen so many women doing "good exercises" but still missing critical pieces that protect their bones and reduce fracture risk. I break down the five core components every osteoporosis program should include and share practical tips for making these exercises effective. I also talk about balance exercises and why improving balance is crucial for preventing falls, and I highlight posture techniques to protect the spine and enhance spinal stability. Finally, I share resources, handouts, and videos you can access for free, so you can implement these exercises safely at home. Whether you're walking, dancing, or doing resistance training, these tips will help you make your program complete and effective for bone strength and independence.   "Research has shown that the bones respond to the forces placed upon them. So when a muscle is contracting against resistance, it's pulling on the bone and shaking the bone as if to say, hey, we need more bone here." ~ Margie Bissinger   In this episode: - [01:19] - Five essentials for a bone-building program - [03:28] - Resistance training: proper weight, form, and frequency - [09:32] - Impact and weight-bearing exercises: why supervision helps - [11:49] - Balance training: static, dynamic, dual-tasking for fall prevention - [15:54] - Posture work: spinal alignment, seated posture, visual cues - [24:30] - Flexion vs. extension exercises - [27:10] - Movements to avoid  - [34:55] - Aerobic exercise: benefits and limits for bone density - [35:25] - Core & pelvic floor: breathing and stabilization techniques - [39:08] -  Happy Bones Club for workshops, Q&A, and more resources   Resources - Osteoporosis Exercises - https://tinyurl.com/exercisesforme - Happy Bones Club membership - https://www.happyboneshappylife.com/bones-club   More about Margie - Website - https://margiebissinger.com/  - Facebook - https://www.facebook.com/p/Margie-Bissinger-MS-PT-CHC-100063542905332/  - Instagram - https://www.instagram.com/margiebissinger/?hl=en    DISCLAIMER – The information presented on this podcast should not be construed as medical advice. It is not intended to replace consultation with your physician or healthcare provider. The ideas shared on this podcast are the expressed opinions of the guests and do not always reflect those of Margie Bissinger and Happy Bones, Happy Life Podcast. *In compliance with the FTC guidelines, please assume the following about links on this site: Some of the links going to products are affiliate links of which I receive a small commission from sales of certain items, but the price is the same for you (sometimes, I even get to share a unique discount with you). If I post an affiliate link to a product, it is something that I personally use, support, and would recommend. I personally vet each and every product. My first priority is providing valuable information and resources to help you create positive changes in your health and bring more happiness into your life. I will only ever link to products or resources (affiliate or otherwise) that fit within this purpose.

Google is changing its search bar for the first time in 25 years, The FTC's 'Deep Fake' rules hsve officially kicked in, New vape pen lets you earn Bitcoin while you smoke weed, X has announced some new restrictions on non-verified accounts...those stories and more in this week's 'Tech It Out'See omnystudio.com/listener for privacy information.

Google is changing its search bar for the first time in 25 years, The FTC's 'Deep Fake' rules hsve officially kicked in, New vape pen lets you earn Bitcoin while you smoke weed, X has announced some new restrictions on non-verified accounts...those stories and more in this week's 'Tech It Out'

Shoot us a Text.Episode #1349: Today we talk about Mitsubishi cutting weak dealers while betting on a product comeback, the growing FTC pressure pushing vendors toward all-in pricing transparency, and Pizza Hut discovering the hottest new trend in retail… 1990s nostalgia complete with red cups and Pac-Man.Mitsubishi is shrinking its dealer network while promising a future product comeback. The brand has cut underperforming stores, frustrated some retailers with low profits and aging products, but says a new EV and refreshed lineup could turn things around.Mitsubishi's U.S. dealer count has dropped 16% since 2019, falling from 355 stores to just under 300 today.CEO Mark Chaffin says the strategy is “quality over quantity,” replacing low-volume stores with higher-performing operators expected to sell 3-5x more vehicles.Dealers say profits are razor thin, with many relying on used cars to stay afloat while struggling with an aging lineup and heavy fleet sales.Mitsubishi is betting on its “Momentum 2030” plan, including a new electric crossover this fall and several electrified models through 2030.One frustrated dealer summed it up bluntly: “Eventually Mitsubishi may get there with the new product, but it's going to have to commit more to the U.S. if it wants to do well here.”As regulators tighten the screws on vehicle pricing transparency, vendors are racing to help dealers stay compliant. S&P Global Mobility and TrueCar both rolled out new tools designed to simplify fee disclosures, standardize pricing, and avoid FTC headaches before they become lawsuits.S&P Global Mobility launched “FeeSync,” a free industrywide tool that lets dealers update fees across vendors and marketplaces from one central hub.The push comes as the FTC continues sending warning letters to nearly 100 dealer groups over pricing and advertising practices.TrueCar updated its platform to display all-in pricing upfront, including dealer fees and add-ons, with expandable disclosures for shoppers.TrueCar CEO Scott Painter said the platform's goal is “a transactional price that is good for both the dealer and the car buyer upfront, without negotiation.”Pizza Hut is leaning hard into retro vibes, remodeling stores to look like peak-1990s dine-in restaurants complete with Pac-Man, stained-glass lamps, and those iconic red cups. Turns out millennials will absolutely drive three hours for a little childhood comfort food.Since 2019, Pizza Hut has converted 144 locations into “Pizza Hut Classics” with throwback décor and dine-in experiences.Some remodeled stores are now top performers, with customers traveling long distances just to relive the experience.The nostalgia push comes as Pizza Hut closes underperforming locations while rival Domino's continues expanding aggressively.Pizza Hut is also reviving its legendary “BOOK IT!” reading program, rewarding kids with pizza for summer reading goals.Join Paul J Daly and Kyle Mountsier every morning for the Automotive State of the Union podcast  as they connect the dots across car dealerships, retail trends, emerging tech like AI, and cultural shifts—bringing clarity, speed, and people-first insight to automotive leaders navigating a rapidly changing industry.Get the Daily Push Back email at https://www.asotu.com/JOIN the conversation on LinkedIn at: https://www.linkedin.com/company/asotu/

Some of the biggest threats to your bone health may be hiding in foods you eat every single day, even foods marketed as "healthy." Today, I'm revisiting one of the most popular conversations ever on my YouTube channel with nutrition expert Mira Dessy, The Ingredient Guru. This information is simply too important not to share again. We talk about the hidden ingredients commonly found in packaged and processed foods that may negatively affect both your bone health and your overall well-being. The good news? This episode is not about fear or perfection. It's about awareness and making simple, realistic swaps over time. Mira explains why ingredients like carrageenan, EDTA, phosphoric acid, and excess caffeine may interfere with nutrient absorption, increase inflammation, and potentially contribute to bone loss. We also discuss why the "low-fat" mindset may actually work against your bones by interfering with the absorption of important fat-soluble vitamins like vitamins D and K. We also share practical ways to reduce these ingredients without overwhelm. You can learn how small, sustainable changes can make a meaningful difference for your bones and your overall health.   "I encourage people to be brand disloyal…You really want to make sure that you're being proactive for yourself. Make sure that you're looking, not for the brand, not for what's on the front of the package, but for what's in the ingredients." ~ Mira Dessy   In this episode: - [03:29] - Carrageenan, emulsifiers, and gut inflammation explained - [12:22] - How gums may affect digestion and nutrient absorption - [14:55] - Why EDTA may interfere with calcium absorption - [18:44] - The surprising connection between caffeine and bone health - [22:06] - Non-caffeinated coffee alternatives - [30:16] - Why low-fat foods may weaken bone health - [33:19] - Phosphoric acid, soda, and mineral depletion - [39:29] - Simple ways to reduce harmful ingredients without overwhelm - [40:59] - Easy bone broth nutrition hacks for stronger bones  - [43:37] - New research linking ultra-processed foods to poor bone health   Resources - Get discounted supplements at Margie's Fullscript dispensary (SALE 5/18-5/21) - https://tinyurl.com/happybonessupplements - More Natural Approaches to Osteoporosis & Bone Health Summit - free 8 days - https://www.happyboneshappylife.com/osteoporosis-bone-health-summit  - Mira's Substack - https://miradessy.substack.com  - January Zine (free for everyone) - https://miradessy.substack.com/p/january-2026-kitchen-table-chat-zine - The Pantry Principle: How to Read the Label and Understand What's Really In Your Food - https://www.amazon.com/dp/0988935708/ref=tmm_pap_swatch_0  - Avoid the Bone Health Bandits ebook - https://www.amazon.com/dp/B0D4TTHWCF   More about Margie - Website - https://margiebissinger.com/  - Facebook - https://www.facebook.com/p/Margie-Bissinger-MS-PT-CHC-100063542905332/  - Instagram - https://www.instagram.com/margiebissinger/?hl=en    DISCLAIMER – The information presented on this podcast should not be construed as medical advice. It is not intended to replace consultation with your physician or healthcare provider. The ideas shared on this podcast are the expressed opinions of the guests and do not always reflect those of Margie Bissinger and Happy Bones, Happy Life Podcast. *In compliance with the FTC guidelines, please assume the following about links on this site: Some of the links going to products are affiliate links of which I receive a small commission from sales of certain items, but the price is the same for you (sometimes, I even get to share a unique discount with you). If I post an affiliate link to a product, it is something that I personally use, support, and would recommend. I personally vet each and every product. My first priority is providing valuable information and resources to help you create positive changes in your health and bring more happiness into your life. I will only ever link to products or resources (affiliate or otherwise) that fit within this purpose.

Have you ever wondered what it takes to manufacture luxury watches that cost tens of thousands of dollars? This is the episode to find out! Last week I reconnected with Josh Shapiro to tell him about a used Willemin 408MT Graff-Pinkert had for sale. He told me that he was extremely excited for his new line of watches coming out that he has been working on for years. He is finally going to be producing the entire movement in his watches. Please have a listen to one of our most popular interviews on the show! Our guest on the podcast today is a machinist, entrepreneur, and master craftsman. Josh Shapiro is the owner and founder of JN Shapiro Watches, one of the few high-end luxury wristwatch makers in the United States. His latest line of watches will be priced at $70,000 dollars and up. His operation uses the most state of the art CNC Swiss and turn mills, as well as manual turning technology developed as far back as the 1500s! Listen to the podcast or read the highlights to learn how Josh is producing watches like nobody else has in United States for last 50 years. You can also view the podcast in video form on our YouTube Channel.     Highlights from the Interview Noah Graff: First, explain your company, JN Shapiro. Josh Shapiro: We make high-end luxury wristwatches. We’re one of the very, very few companies in the United States that manufacture watches. We started out just making the faces of the watches. Our expertise is with something called Guilloche, which is doing engraved geometric shapes on the faces of watches, and that’s done using non-motorized, very old school machines. They’re really special. From there we moved on to making our own cases. Now we are very close to having our first prototype completely in-house movement done. Graff: How much do the watches cost? The price was $30,000 to $40,000 depending on the case material. The new series that we’re going to launch soon is $70,000 up to about $85,000, depending on material and customization. JN Shapiro Watch So they’re very expensive, but we put in about 400 to 500 hours on each timepiece. So much time goes into making each one of those watches. Graff: How did you get into watchmaking? Shapiro: I just had a love of old things, so I ended up becoming a history major and then becoming a teacher. I walked into a local watch store here in Los Angeles called Feldmar when I was about 25, and just fell in love with watches. One of the first watches I saw was a Skeleton Chronograph watch. There was just so much going on there. It was so fascinating to me. Watches are mechanical. Watches are a really beautiful thing. It’s wearable jewelry that’s functional. It’s fascinating how the gear train flows together. How the escapement functions, the pendulum, just the whole interplay of all the pieces. While I was a teacher and principal, I was doing watchmaking as a hobby. Then around 2015, I purchased a really nice set of Guilloche, or engine turning machines, and that allowed me to do professional level work. I started producing watch faces, watch styles for other watchmakers, and started thinking in the back of my head of launching my own brand. Around 2018, I launched my first series, and that’s when I started really reducing my role as a principal, until finally leaving completely two years ago. Graff: Explain engine turning Shapiro: The concept is there are cams made out of bronze on the spindle of the machine, and those cams are rocking against the stop. As the spindle is turning, it’s creating these geometric patterns. Then you can phase the cam, independent of the workpiece, and you can create these really beautiful geometric shapes. It’s an old art. Engine turning machines have been around since the time that lathes came into existence, around 1500. I have a number of them. The first one I bought, I scraped together every cent I had to afford it. Then, then I ended up selling that set of machines and buying another set of machines. The second set of machines cost me around $30,000. I didn’t have that much money, so I had to sell my 67 Mustang Fastback to afford it. Graff: How many staff do you employ for making the watches? Shapiro: It's me plus seven. I’ve taught everyone in the company how to do engine turning. I have one trained CNC machinist. I have another watchmaker who is turned into a CNC machinist. I have three other watchmakers who are doing various watchmaking tasks and manual machining tasks. I have one person who’s a trained jeweler, who has pursued a whole career in hand engraving, and one admin. So everyone has a really great skillset and really enjoys making things. Graff: Tell me about the various machines in your shop. Shapiro: My first big CNC machine, which we still have, is a Haas office mill. That’s actually a great watchmaking machine, and there’s a lot of people in Switzerland that have these Haas office mills because they’re really, really accurate. Then we got a Hardinge, HLV, which is like the premier tool room lathe. And then we picked up the, the (Citizen) L20 from you that was to practice on before we got our new shiny L12, which is getting here Wednesday. The big machine that we got this year was a Kern Evo. Kern makes the most accurate milling machines on the planet. It’s a sub-micron machine. We can’t measure sub-micron here in our shop, but it’s nice to know that we’re working with the machine that accurate, that precise. It’s the first Kern Evo used for watchmaking in the US, which is really exciting. JN Shapiro Watch Parts Graff: Explain the watch movement Shapiro: A movement is the guts of a mechanical watch. It’s everything inside of it, just like a car engine and transmission. There are some [watch] brands in the United States that do cases and dials, and some purchase everything from Switzerland. They're just designed in the United States, like Shinola watches. You know they’re importing a good chunk of all their stuff. They got in trouble with the FTC for saying it was American made. Slowly more is being done here. Our watch that we’re working on is the first time since the sixties that all the parts, all the little parts, everything are made in the United States. The old series, the Infinity series, that we sold out on, we were making the case, the hands and the dial. So not the movement of the watch. That was according to plan. I did the Infinity Series to have the funding to grow the company enough to be able to make the movement. Some people make the mistake of trying to do the movement, which is the most difficult thing, right off the bat. And if it’s not a critical success, then they’re out of business. Graff: Why do people buy expensive watches? Shapiro: I guess the best example is if you look at the car world. You can buy a Toyota or Honda, and it’ll get you from point A to B, and you can also buy McLaren and it’ll get you from point A to B. From the outside observer, they say, okay, the McLaren looks cooler and rich people buy it. But then you get into the engine. You know the car goes fast—very, very fast. There’s a ton of engineering that goes into the car to make it be able to do that. The quality of the parts that are in the car are produced at a much higher level than in a car that’s mass produced. It’s the same thing for a watch. It tells the time, but the quality and time that we put into each and every one of the parts is astronomic. [A watch] is something that’ll last hundreds of years. It’s a piece of art, and it’s functional art that you can wear on your wrist. Art is the spice of life. It’s not something that’s necessary for you to eat, or live. But it’s what makes our civilization special beyond just being a toy for wealthy people. When someone sees a work of art it’s inspiring, and that’s what we do with our watches. They’re more than just time telling devices. Question: What is your favorite watch?

This week on Amicus, hosts Dahlia Lithwick and Mark Joseph Stern break down a whirlwind stretch of reproductive rights legal battles, from the Fifth Circuit's sweeping nationwide ban on telehealth medication abortion, to the Supreme Court's emergency order blocking it. Madiba Dennie (Deputy Editor, Balls and Strikes; and author of The Originalism Trap) joins to explain what the furious dissents from Justices Clarence Thomas and Samuel Alito reveal about where this is all headed.Then, Dahlia sits down with writer, activist, and former NARAL president Ilyse Hogue for a wide-ranging conversation about why the assault on medication abortion and the assault on voting rights are the same fight — and why progressives keep losing the narrative battle even when public opinion and shared values are on their side. They also discuss an overlooked but hugely significant win for free speech in the Media Matters v. FTC case, and why fighting back against government bullying matters more than ever.Want more Amicus? Join Slate Plus to unlock weekly bonus episodes with exclusive legal analysis. Plus, you'll access ad-free listening across all your favorite Slate podcasts. You can subscribe directly from the Amicus show page on Apple Podcasts and Spotify. Or, visit slate.com/amicusplus to get access wherever you listen. Hosted on Acast. See acast.com/privacy for more information.

This week on Amicus, hosts Dahlia Lithwick and Mark Joseph Stern break down a whirlwind stretch of reproductive rights legal battles, from the Fifth Circuit's sweeping nationwide ban on telehealth medication abortion, to the Supreme Court's emergency order blocking it. Madiba Dennie (Deputy Editor, Balls and Strikes; and author of The Originalism Trap) joins to explain what the furious dissents from Justices Clarence Thomas and Samuel Alito reveal about where this is all headed.Then, Dahlia sits down with writer, activist, and former NARAL president Ilyse Hogue for a wide-ranging conversation about why the assault on medication abortion and the assault on voting rights are the same fight — and why progressives keep losing the narrative battle even when public opinion and shared values are on their side. They also discuss an overlooked but hugely significant win for free speech in the Media Matters v. FTC case, and why fighting back against government bullying matters more than ever.Want more Amicus? Join Slate Plus to unlock weekly bonus episodes with exclusive legal analysis. Plus, you'll access ad-free listening across all your favorite Slate podcasts. You can subscribe directly from the Amicus show page on Apple Podcasts and Spotify. Or, visit slate.com/amicusplus to get access wherever you listen.Need to set up your Slate Plus feed? If you subscribed through Slate.com, check out our FAQ at slate.com/podcastfaqs for easy instructions. Members subscribed via Apple Podcasts get automatic access—no setup required. Hosted on Acast. See acast.com/privacy for more information.

This week on Amicus, hosts Dahlia Lithwick and Mark Joseph Stern break down a whirlwind stretch of reproductive rights legal battles, from the Fifth Circuit's sweeping nationwide ban on telehealth medication abortion, to the Supreme Court's emergency order blocking it. Madiba Dennie (Deputy Editor, Balls and Strikes; and author of The Originalism Trap) joins to explain what the furious dissents from Justices Clarence Thomas and Samuel Alito reveal about where this is all headed.Then, Dahlia sits down with writer, activist, and former NARAL president Ilyse Hogue for a wide-ranging conversation about why the assault on medication abortion and the assault on voting rights are the same fight — and why progressives keep losing the narrative battle even when public opinion and shared values are on their side. They also discuss an overlooked but hugely significant win for free speech in the Media Matters v. FTC case, and why fighting back against government bullying matters more than ever.Want more Amicus? Join Slate Plus to unlock weekly bonus episodes with exclusive legal analysis. Plus, you'll access ad-free listening across all your favorite Slate podcasts. You can subscribe directly from the Amicus show page on Apple Podcasts and Spotify. Or, visit slate.com/amicusplus to get access wherever you listen. Hosted on Acast. See acast.com/privacy for more information.