Podcasts about ICR

When you're shopping for clothes, there's a checklist of things you look for: you want them to look and feel good, you want them to last a long time, you might want them ethically and sustainably sourced, and probably most importantly, you don't want them to break the bank. In 2011 one active wear company emerged that ticked pretty much all those boxes.  Adam Goldenberg is the CEO and co-founder of Fabletics. Adam is a seasoned entrepreneur and leader in the e-commerce industry with a proven track record of building multiple-billion dollar brands. In fact, alongside co-founder Don Ressler, Adam has generated over $10 billion dollars in sales through his company, TechStyle Fashion Group, which in addition to Fabletics, has launched other digitally-native fashion brands like Savage X Fenty, Just Fab, Fab Kids, Shoedazzle and Yitti.  Adam launched his first company at 16, at 19 he became the youngest ever COO of a public company. He joins us to share his thoughts on e-commerce, customer retention, sustainability, and opportunities to grow the Fabletics brand.  Highlights:Fabletics origins (2:50)Fabletics' customer base (4:48)Tech and personalization (5:55)Celebrity partnerships (7:32)Membership model (8:37)E-commerce vs. Brick and mortar retail (11:23)Amazon (13:54)Plans for growth (15:27)Sustainability (19:09)Lesson's learned (20:58)What's next for Fabletics (23:19)Links:Adam Goldenberg LinkedInFabletics LinkedInFabletics WebsiteICR LinkedInICR TwitterICR Website Feedback:If you have questions about the show, or have a topic in mind you'd like discussed in future episodes, email our producer, marion@lowerstreet.co.

Mary welcomes Rob Yardley to the podcast, Rob is a true servant in the church with the heart of a pastor and theologian. Rob has served on several boards of note and continues to do so - from Calvary Chapel Costa Mesa to ICR to Thru the Bible with J Vernon McGee. His new role as Executive Director of The Berean Call is one that is dear to his heart because of his friendship with the late Dave Hunt, and of course T.A. McMahon, who has recently retired. When putting godly men like Dave Hunt, TA, Henry Morris, and J Vernon side by side we get a picture of 20th century men that God greatly used. We will look at the legacies of each one, and talk about what it means to be a Berean in 2025. Where are today's great apologists and theologians? A thoughtful hour with a thoughtful brother.   Stand Up For The Truth Videos: https://rumble.com/user/CTRNOnline & https://www.youtube.com/channel/UCgQQSvKiMcglId7oGc5c46A

The world has changed a lot in the last century, but it might surprise you to learn that the US power grid has remained pretty much the same. In this country, energy is by and large controlled by regional utilities with de-facto monopolies, and no real incentive to innovate. That inertia impacts the entire economy, as industrial projects are starved of the power they need to get off the ground. Jereme Kent is the founder and CEO of One Power Company. Under his leadership, One Power is trailblazing the creation of the customer-centric power grid of the future. Before founding One Power in 2009, Jereme led the construction of some of the world's premier wind projects. As a field engineer, erection superintendent and site manager, he has overseen more than a billion dollars in wind turbine construction. Jereme joins us to discuss how and why current US power infrastructure is falling short, and how the One Power model could both energize and decarbonize America's efforts to re-industrialize. Highlights:The state of the grid (3:09)Why we need fixes now (7:04)One Powers services (9:03)Vertical Integration (11:30)Digital Substations (13:54)Fundamental Industries (15:20)Sustainability (16:55)Net Zero (19:45)10 year outlook (21:02)Culture of innovation (23:36)One Power's priorities (25:30)Links:Jereme Kent LinkedInOne Power LinkedInOne Power WebsiteICR LinkedInICR TwitterICR Website Feedback:If you have questions about the show, or have a topic in mind you'd like discussed in future episodes, email our producer, marion@lowerstreet.co. 

Summary:  We may not talk about them the same way we talk about basketball or baseball players, but make no mistake, dancers are elite athletes. Their training is intense, and the competition is fierce. And with Breakdancing at the Olympics, dance content flooding TikTok, and dance competition shows all over TV, there's never been more interest in the art-form. So how do you take that global phenomenon, and harness it into a global business?  Dan Galpern is the CEO of DanceOne. In 2023, the company was formed out of the merger between Break The Floor Productions and Star Dance Alliance, and it has become the premier producer of educational and competitive dance events, as well as the largest family of dance brands in the world.  Dan joins us to discuss DanceOne's plans for future expansion and growth, and how their global community is raising up the next generation of world-class dancers.  Highlights:The origins of DanceOne (3:48)Path from investor to CEO (5:41)DanceOne infrastructure (6:46)Building the DanceOne experience (8:11)The global appeal of dance (9:20)DanceOne event offerings (10:30)Growth opportunities (11:43)The power of dance (15:29)The DanceOne community (17:52)Goals for the future (20:00)Links:Dan Galpern LinkedInDanceOne LinkedInDanceOne WebsiteICR LinkedInICR TwitterICR Website Feedback:If you have questions about the show, or have a topic in mind you'd like discussed in future episodes, email our producer, marion@lowerstreet.co. 

The increasing popularity of Asian food presents many exciting business opportunities, but also some challenges. Many of these specialty restaurants are family-owned, and lack the corporate structure you'll find at larger chains. And a lot of them are located in rural places that make centralized distribution difficult. Servicing these types of businesses requires a personal touch, and a lot of relationship building to understand their individual needs. That makes the barrier to entry pretty high, and creates a pretty large moat around the companies already established in the sector. That includes HF Foods Group, led by CEO Felix Lin. HF trades on NASDAQ under the symbol HFFG and they are a leading distributor of international and specialty foods service solutions to restaurants, wholesalers and other customers in the food supply chain in the United States. Before taking on the role of CEO, Felix served as President and Chief Operating Officer of HF Foods Group and has been a key part of developing, implementing, and executing on the company's comprehensive transformation plan. Felix joins us to discuss how HF Foods Group made such strong inroads in the Asian food market, and how they plan to leverage their position in the marketplace, and smart capital allocation, to create opportunities for future growth. Highlights:The history of HF Foods (3:17)The popularity of Asian foods (4:53)Customer loyalty (5:57)Product offerings (8:02)Navigating market disruptions (10:23)Distribution networks (12:32)M & A Strategy (14:00)Outlook for the international food space (17:34)Strategic plan for HF Foods (20:04)Links:Felix Lin LinkedInHF Foods Group LinkedInHF Foods Group WebsiteICR LinkedInICR TwitterICR Website Feedback:If you have questions about the show, or have a topic in mind you'd like discussed in future episodes, email our producer, marion@lowerstreet.co.

Innovating in the field of Med Tech presents a host of unique challenges. Formulating new treatments is a long and capital-intensive process. The regulatory regime for medical devices is extremely stringent. And even if you get approval, you still need to convince doctors that your treatment is safe and effective. But success in Med Tech R & D doesn't just mean profits for the company and it's shareholders, it means new treatments that can dramatically improve or even save the lives of patients. Jim Clemmer became the CEO of AngioDynamics in April of 2016, the company trades on the NASDAQ under the symbol ANGO. Prior to joining the company, Jim served as President of the multi-billion dollar medical supply segment at Covidien PLC where he directed the strategic and day-to-day operations for global business divisions that collectively manufactured 23 different product categories. In addition, he managed global manufacturing, research and development, operations, business development, and all other functions associated with the medical supplies business. Jim joins us to discuss AngioDynamics' innovative products that are helping treat a range of conditions from pulmonary embolism to prostate cancer. He also explains how their continued commitment to innovation has set AngioDynamics up for future success.  Highlights:The AngioDynamics Mission (4:03)Managing the AngioDynamics Portfolio (5:04)What sets AngioDynamics apart in the field (6:20)Meeting real-world clinical needs (7:24)AngioDynamics products (8:53)AngioDynamics approach to R&D (12:45)The impact on patients (15:36)Navigating regulation in different markets (20:06)The role of AI (21:35)AngioDynamics' balance sheet (23:01) Links:AngioDynamics LinkedInAngioDynamics WebsiteICR LinkedInICR TwitterICR Website Feedback:If you have questions about the show, or have a topic in mind you'd like discussed in future episodes, email our producer, marion@lowerstreet.co.

Today: In 1979, Nurse With Wound entered a UK recording studio with no musical training whatsoever and created an album called Chance Meeting on a Dissecting Table of a Sewing Machine and an Umbrella, which promptly was awarded a rating of five question marks from Sounds Magazine. Since then, NWW has confounded critics and listeners alike, both pioneering and mining the areas of improvisation, Krautrock-influence, electroacoustic experiments and more, with unparalleled sense of invention and quite often humor. Today, Brian Turner reflects back on the massive body of work by this shifting ensemble, digging out a rare interview he did with its central figure, Steven Stapleton, from his Irish goat farm.NURSE WITH WOUND - Rock N' Roll Station - Rock N' Roll Station (United Dairies, 1994)NURSE WITH WOUND - Fragments I - Who Can I Turn To Stereo Etc. (Jnana, 2011)NURSE WITH WOUND - Yagga Blues - Funeral Music For Perez Prado (United Dairies, 2001)NURSE WITH WOUND - Homotopy For Marie - Homotopy For Marie (United Dairies, 1982)NURSE WITH WOUND - June 3 - Shipwreck Radio Volume One (Seven Sonic Structures From Utvær) (ICR, 2004)NURSE WITH WOUND / FOETUS - Brained By Falling Masonry - The Swinging Reflective (Favourite Moments Of Mutual Ecstasy) (United Dairies, 1999)BT INTERVIEW WITH STEVEN STAPLETON (PART ONE)NURSE WITH WOUND - Strain Crack Break (w/David Tibet) - Chance Meeting On A Dissecting Table Of A Sewing Machine And An Umbrella (1979, Re: United Dirter, 2009)NURSE WITH WOUND - (I Don't Want To Have) Easy Listening Nightmares - Alice The Goon (White Noise, 1995)NURSE WITH WOUND - You Walrus Hurt the One You Love - The Sylvie And Babs Hi-Fi Companion (United Dairies, 1997)NURSE WITH WOUND - Soliloquy For Lilith 7 - Soliloquy For Lilith (Idle Hole/Mirror One, 1988)BT INTERVIEW WITH STEVEN STAPLETON (PART TWO)NURSE WITH WOUND - Thrill of Romance...? - Huffin' Rag Blues (United Dairies/Jnana, 2008)COLIN POTTER - Power - The Scythe (ICR, 1981)ANDREW LILES / GROUNDHOGS - Split 5 - Split - Up (Dirter Promotions, 2016)NURSE WITH WOUND / STEREOLAB - Simple Headphone Mind (Duophonic, 1997)

The Department of Education just dropped a negotiated rulemaking announcement, and while it might sound like dry policy talk, this one's worth your attention — especially if you're pursuing Public Service Loan Forgiveness (PSLF), on Pay As You Earn (PAYE), or using Income-Contingent Repayment (ICR). Learn what negotiated rulemaking actually means, why it matters, and what kinds of changes could be on the horizon for federal student loan repayment. We'll also walk through the strategy behind these proposed updates, what the timeline might look like, and the political and legal dynamics that could affect how this all plays out. Key moments: (03:20) My initial take: borrowers don't need to panic just yet — and here's why (05:35) What these changes could actually mean for PSLF borrowers (06:59) PAYE and ICR might be affected, but IBR is protected by statute  (10:49) The GOP proposal targets nonprofit hospitals, but I don't think it'll go anywhere (12:34) With 2026 elections in sight, student loan overhauls will probably stay pretty modest Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

When we experience buyers remorse about an item, what do we do? We return it. Either in store, or through the mail. But what happens to those products after we send them back? Surely they're repackaged and restocked, right? In a lot of cases, no. Many vendors aren't equipped to process those returns, and they can end up being sold in bulk at a loss, or worse, dumped in a landfill.Sender Shamiss has made it his mission to prevent that from happening. He's the co-founder and CEO of ReturnPro, a global reverse logistics platform that works with the world's largest retailers and vendors to solve the significant problem of merchandise returns. Today, we discuss the complexity of restocking returned items, the prevalence of fraud in merchandise returns, and how ReturnPro leverages innovative tech solutions to lessen that nearly 900-billion-dollar burden on the retail industry. Highlights:What happens to returned items? (3:14)Why have retailers ignored the issue? (7:18)ReturnPro's services (8:56)Working with big and small retailers (10:57)Recovering value from returns (13:27)The role of tech (16:22)Returns ending up in landfills (19:02)The impact of tariffs (22:08)Links:Sender's LinkedInReturnPro LinkedInReturnPro WebsiteICR LinkedInICR TwitterICR WebsiteFeedback:If you have questions about the show, or have a topic in mind you'd like discussed in future episodes, email our producer, marion@lowerstreet.co.

Major sporting events used to be clustered among a handful of TV channels. Now following your favourite team might require subscriptions to a whole litany of cable and streaming services. Which is to say nothing of all the licensed content you'll find spread out across social media platforms. In such a complex media ecosystem, how do organizations even begin to think about licensing their media assets? And how do they calculate their worth?Doug Perlman is the founder and CEO of Sports Media Advisors. SMA advises sports properties on their media strategies and rights negotiations. Doug has negotiated tens of billions of dollars in rights fees for some of the largest sports properties in the world, including the NFL, NASCAR, US Soccer, and the Ryder Cup, among others. Doug joins us today to discuss recent trends like the rise of streaming, the popularization of sports betting, and the emergence of AI, and all the unique challenges and opportunities they present for different leagues and organizations. Highlights:Doug's early career (3:00)Working for the NHL (4:40)Founding SMA (7:53)SMA's services (9:31)Negotiating rights deals (13:55)Cord-cutting (17:16)Impact of sports betting (18:35)Women's sports (19:37)AI in sports (20:58)Advice for young people trying to work in sports (26:12)Links:Doug Perlman LinkedInSMA LinkedInSMA WebsiteICR LinkedInICR TwitterICR WebsiteFeedback:If you have questions about the show, or have a topic in mind you'd like discussed in future episodes, email our producer, marion@lowerstreet.co.

Student loans are a mess. They've been a mess for as long as we've been doing this, but right now? It's like someone took that mess, threw it in a blender, and hit "puree." We're answering a whole heap of listener questions. This episode is dropping on April Fool's Day, but no jokes or pranks here — just straight-up answers. Let's face it: the real joke is how convoluted this whole system has become. But we're tackling the questions head-on. And if you're one of the folks who sent in questions, thanks for trusting us with your financial headaches. We've got your back. Key moments: (04:34) The trap that will mean big trouble for borrowers if ICR gets repealed (12:06) No “processing shortcuts” exist — everyone's in the same slow-moving line (21:20) Inexperienced customer service representatives giving you the wrong answers (34:06) Why you might want to file a tax extension to see how student loan policies might shift (45:24) Financial windfall? Where to direct your cash for maximum impact Links mentioned: StudentAid.gov IDR plan request Certify employment for Public Service Loan Forgiveness (PSLF) Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

How do engineering principles, biological complexity, and a solid understanding of apologetics work together to further the cause of Christ? Why must believers be trained in ways to defend the faith? Host Michael is joined by former rocket scientist Cathryn Sterling and ICR physicist Dr. Jake Hebert to discuss this important topic in episode 34 of Creation.Live. Learn More: Defend the Faith Ministry

How do engineering principles, biological complexity, and a solid understanding of apologetics work together to further the cause of Christ? Why must believers be trained in ways to defend the faith? Host Michael is joined by former rocket scientist Cathryn Sterling and ICR physicist Dr. Jake Hebert to discuss this important topic in episode 34 of Creation.Live. Learn More: Defend the Faith Ministry

Putting together an IPO is no easy feat. Just getting your finances in order can be a herculean effort. Add in the laundry list of compliance requirements, and it simply becomes too much for most firms to handle on their own. That's especially true for young companies in emerging industries like biotech or AI, where corporate governance may have taken a backseat to product development. Enter, Mike Aiello. He's the CEO and managing partner at Centri Business Consulting, one of the country's fastest growing accounting and advisory firms. Mike founded Centri in 2011 with a focus on capital markets, transactions and emerging growth organizations. It has since grown from its Philadelphia, mid-Atlantic roots to eight offices nationwide, with around 250 staff providing support to more than a thousand companies. Mike walks us through the massive undertaking that is IPO preparation, and how Centri guides their clients through that process. He also shares his thoughts on the current state of IPOs and SPACs, and explains why he feels optimistic for the future of capital markets.Highlights:Mike's path to founding Centri (3:14)Centri's menu of services (6:26)The state of the IPO market (8:34)SPACs (12:09) Getting ready for an IPO (13:56)Working with AI companies (15:39)Recruiting talent from 'The Big 4' (18:05)Importance of corporate culture (19:22)Priorities for growth (21:57)Upcoming 'Capital Markets Conference' (25:28)Links:Centri LinkedInCentri TwitterCentri WebsiteICR LinkedInICR TwitterICR WebsiteFeedback:If you have questions about the show, or have a topic in mind you'd like discussed in future episodes, email our producer, marion@lowerstreet.co.

Summary:  It's early in the 2025 reporting season, but new trends in the restaurant and foodservice space are already emerging. 2024 was a difficult year and the industry is still adjusting—navigating the same pressures of inflation, labor costs, and economic shifts, plus some new challenges. Consumer habits continue to evolve, and technology is playing a bigger role than ever.  Today we're joined by Michael Halen, the Senior Restaurant and Foodservice Analyst for Bloomberg Intelligence. At Bloomberg, Michael publishes company-specific and industry-focused research on everything from how new government policies will impact business to the shifting demographics that affect consumer behavior. Michael makes frequent appearances as a TV and radio guest and is the host of Bloomberg Intelligence's restaurant-focused podcast titled Choppin' It Up.  In this episode, Michael breaks down the biggest takeaways and predictions for 2025. As we enter the new year, what's setting the winners apart? Which trends have staying power, and what can last year's challenges tell us about the road ahead? And most importantly, what should restaurant leaders be looking out for to stay ahead of the curve?  Highlights:Michael's path to his role at Bloomberg (3:08)The winners and losers from the last few years (6:01)Regional differences in consumer behavior (7:53)Impacts of inflation on the restaurant industry (9:22)The role of strategic pricing (11:41)The role of AI and automation (16:12)Make America Healthy Again (18:30)Recent trends and what they say about the future (23:48) Links:Michael Halen on LinkedInBloomberg Intelligence LinkedInBloomberg Intelligence WebsitePodcast: Choppin' it Up by Bloomberg IntelligenceICR on LinkedIn ICR on XICR Website Feedback:If you have questions about the show, or have a topic in mind you'd like discussed in future episodes, email our producer, marion@lowerstreet.co.

Summary:  Personalization has reshaped nearly every industry, turning one-size-fits-all solutions into tailored experiences. Think self-serve kiosks in fast food or streaming algorithms curating content just for you—consumers now expect products to adapt to them, not the other way around. In the health and fitness space, where no two people share the same habits, goals, or motivations, personalization is crucial to progress. So why hasn't mass personalization taken hold in the space? Because it takes more than just offering choices—it requires an approach that adapts in real time and integrates seamlessly into people's lives. Today's guest is leading this shift, using cutting-edge innovation to make personalized health and fitness more accessible than ever. Today, we're sitting down with Kevin Duffy, CEO of iFIT, the global leader in connected fitness. Kevin is a seasoned executive with experience leading both private equity-backed and public consumer-branded technology companies.  Some of Kevin's core strengths include steering organizations through transformative organic growth, completing integrated accretive acquisitions, and delivering superior investor returns. Kevin holds a Bachelor of Economics from Princeton University and an MBA from Stanford Graduate School of Business.  In this episode, Kevin unpacks how iFIT is revolutionizing connected fitness by making mass personalization a reality. He discusses the technology driving adaptive workout experiences, the role of data in shaping individualized fitness journeys, and why the future of health and wellness hinges on meeting people where they are. Highlights:Kevin describes the path to his current role at iFIT (2:57)What iFIT is and what makes their technology and software unique (4:41)The importance of customization and personalization in health and wellness (7:11)iFIT's unique habit-forming AI software (9:00)Kevin discusses the recent NordicTrack partnership (11:03)Business scale and prospects for continued international expansion (12:53)Kevin walks us through iFIT's recent software updates and advancements (15:18)How user data helps enhance iFIT products (18:01)The management team and company culture at iFIT (19:15)Major fitness trends to watch in 2025 (20:45)How iFIT balances innovation with investment (24:10)Goals for the future (26:03)Links:Kevin Duffy on LinkedIniFIT on LinkedIniFIT WebsiteICR on LinkedIn ICR on XICR Website Feedback:If you have questions about the show, or have a topic in mind you'd like discussed in future episodes, email our producer, marion@lowerstreet.co.

Summary:  The rapid rise of AI is transforming industries at an unprecedented pace, creating both challenges and opportunities for innovation. With technology this powerful, pure progress is not enough. We have a responsibility to be intentional about about how we build it, power it, and use it, to ensure it drives positive outcomes and a more sustainable future. Today, we're sitting down with Rahul Mewawalla, the President and CEO of Mawson Infrastructure Group, a rapidly evolving digital infrastructure services company that trades on NASDAQ under the symbol MIGI. Rahul has been a CEO for over a decade, leading numerous technology companies, including household names like Yahoo, Nokia, and General Electric. Rahul has served on the boards of six NASDAQ-listed companies, two of which he chaired. He led San Francisco's Innovation and Technology Program in collaboration with the White House and the Executive Office of the President, served as a Special Government Employee with the U.S. Department of Defense, and was an advisor to Stanford University's Persuasive Technology Lab. Rahul has had a front-row seat to four major technology waves—the internet, mobile, cloud, and AI—giving him tremendous perspective on today's rapidly evolving landscape In this episode, Rahul explores how companies are joining forces to address AI's soaring energy demands—and what it means for the future of digital infrastructure. He delves into the evolving partnership between technology firms and energy providers, the growing role of nuclear and carbon-neutral power in sustaining AI's expansion, and why cross-industry collaboration is essential for long-term success.Highlights:Rahul discusses what initially drew him to digital infrastructure (3:18)Mawson's strategic shift from cryptocurrency mining to AI infrastructure (6:01)Key components and functions in an AI technology stack (8:34)Rahul's perspective on the transformative AI wave and growing investment around it (11:29)Rahul describes what the PJM market is (13:44)Investment in nuclear energy (15:30)Rahul discusses Mawson's management team and leadership strategy (17:50)Mawson's announcement of a major AI co-location agreement (19:51)Rahul explains why industry collaboration is essential for scaling AI infrastructure (21:49)Mawson's total addressable market and maintaining a competitive edge (23:25)How Rahul balances leadership and innovation (24:58)The future innovations and business opportunities Rahul sees for Mawson (26:53)Links:Rahul Mewawalla on LinkedInMawson Infrastructure on LinkedInMawson Infrastructure WebsiteICR LinkedIn ICR Twitter ICR Website Feedback:If you have questions about the show, or have a topic in mind you'd like discussed in future episodes, email our producer, marion@lowerstreet.co.

The IDR and loan consolidation applications are down, repayment plans are shifting, and court rulings are throwing everything into question. If you're feeling stuck, you're not alone. Learn why the Department of Education is reworking the IDR and PSLF applications, what this means for your loan strategy, and how to make smart decisions despite the chaos. We'll also tackle listener questions about PSLF timing, repayment plan changes, and what potential policy shifts could mean for your forgiveness path. Key moments: (04:38) What the court ruling means for PSLF and ICR borrowers (07:16) Will my loans be forgiven? I'm two payments away from forgiveness and not IBR eligible (14:51) Is my income too high to qualify for financial hardship? (19:24) Do my Parent PLUS loans qualify for PSLF forgiveness? (23:06) What is the student loan “tax bomb” and will I have to pay it? Link mentioned:   Request an income-driven repayment plan   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

NTTA warning…. Who Died Today: Gene Hackman 95, Betsy Arakawa 63 and the dog found dead… Michelle Trachtenberg 39…. Measle outbreak causes two deaths... Email: ChewingTheFat@theblaze.com. Dumbest criminal?... Record Store Award goes to Lisa Loeb…. A Bar Song (Tipsy) still on top of some charts…. Eli Lilly makes Zepbound cheaper… Oxygen microparticle injections…. Humans found earlier than already known / ICR may disagree?... Self Destructing Bacteria?... National Garden of American Heroes…. Caitlin Clark new Nike Ad…. Joke(s) of The Day…. from Dwight…   Learn more about your ad choices. Visit megaphone.fm/adchoices

Recent court rulings and policy shifts have created confusion, leaving borrowers wondering what to do next. Should you stay on SAVE, switch plans, or wait it out? We break down what's happening, why PAYE and ICR are back in the spotlight, and whether sticking with SAVE or switching plans is the smarter strategy. We'll also cover key financial factors that could affect your repayment plan, like credit card debt, maternity leave, and tax filing choices. If you're unsure what this means for you, tune in for insights and next steps to keep your student loan strategy on track.Key moments:(03:38) When sticking with SAVE is the smartest financial move(06:19) Ditching SAVE could fast-track PSLF loan forgiveness(10:24) Your tax filing status could be the key to lowering your student loan payments(16:09) If you borrowed federal loans between October 2007 and July 2014, PAYE might be a golden opportunityDVMs deserve financial experts who speak their language. Book a free intro call today. Just browsing? Learn more about us at SLP Wealth.Like the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple Podcasts

Summary:  You've heard it before: "The customer is always right." For many businesses, that's sound advice. But for premium brands, the road to success often takes a different route. Rather than reacting to every shift in demand, it's about staying rooted in a philosophy: delivering quality, staying authentic, and fostering relationships that stand the test of time. Today's guest has fully embraced this approach, leveraging his brand's strengths to set a new standard of excellence in the technical apparel market. Stuart Haselden has been the CEO of Arc'teryx since 2021 and brings over 20 years of global experience in retail and premium brands to the company, having worked in North America, Europe, Asia, and Australia for brands such as Away Travel, Lululemon, J.Crew, and Saks Fifth Avenue. His career began in the United States Army where he served as a Cavalry Officer—a defining experience for him that has shaped his views on leadership. It was also the beginning of a lifelong love of mountain and alpine sports, as Stuart learned to ski in the Austrian Alps while stationed in Germany.  In this episode, Stuart shares how Arc'teryx has expanded its direct-to-consumer model while preserving the brand's authenticity. He explains how a relentless focus on performance and innovation has fueled the company's growth and set it apart in the competitive technical apparel space. Stuart also talks about the leadership strategies that have guided Arc'teryx's evolution—and how they're shaping its future. Highlights:Background on Arc'teryx and the road to becoming a premium brand (2:43)Stuart's history in retail and how he was introduced to the opportunity at Arc'teryx (4:19)Stuart discusses Arc'teryx's position in the Amer Sports portfolio (7:18)Competition in the technical apparel field and what differentiates Arc'teryx (8:35)Stuart describes how Arc'teryx maintains its authenticity while it grows (10:17)How Arc'teryx evolved from a retail model to a direct-to-consumer approach (13:07)Current scale of the business (15:15)Stuart discusses future expansion opportunities (16:55)The senior team at Arc'teryx (18:43)Stuart's management style and the leadership techniques he learned from Mickey Drexler (20:37)Stuart's predictions for retail in 2025 (20:54)Arc'teryx's unique sustainability efforts (21:54)How Arc'teryx adapts its retail spaces when entering new communities (23:21) Links:Stuart Haselden on LinkedInArc'teryx on LinkedInArc'teryx WebsiteICR LinkedIn ICR Twitter ICR Website Feedback:If you have questions about the show, or have a topic in mind you'd like discussed in future episodes, email our producer, marion@lowerstreet.co.

The legal battle over the SAVE plan just took another turn. With the injunction now made permanent, what happens next? Learn how this latest court decision affects your repayment plan, the impact on student loan forgiveness, and what it means for current and future borrowers. We'll also cover the legal and legislative angles, what to watch for in the coming months, and how to adjust your student loan strategy. If you're wondering whether student loan forgiveness is still in play or how this affects your next steps, tune in to this episode. Key moments: (02:48) The ICR statute doesn't explicitly promise forgiveness after 25 years (04:44) What the SAVE injunction means in plain terms (07:31) How this ruling could throw a wrench into House Republicans' tax cut plans (12:09) What to consider if you're in the SAVE forbearance or going for PSLF   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

Summary:  Getting ahead begins with a sharp focus on recognizing problems and finding better solutions than anyone else. But staying ahead requires something more: the ability to adapt, evolve, and lead as the stakes grow. Today's guest didn't just solve a problem; he built a system so indispensable it's reshaped how an entire industry operates.  Kent Collier is the Founder and CEO of Octus (formerly Reorg), a credit intelligence and data provider for the world's leading buy-side firms, investment banks, law firms, and advisory firms. Kent's experience as a research analyst at firms like Millennium Partners, Catalyst Investment Management, Assurant Asset Management, and Babson Capital refined his expertise in high-yield distressed debt and special situations. As a passionate innovator in data science and generative AI, Kent has put Octus at the forefront of cutting-edge technologies that fuel decisive actions across financial markets.  In this episode, Kent shares how Octus evolved from a niche solution into a category leader in data intelligence. He explains how AI is transforming workflows and shaping the future of data management. Kent also discusses the discipline required to scale effectively and stay ahead in a rapidly evolving industry. Highlights:Spotting a gap in the marketplace and founding Octus (2:50)Company scale and customer base (4:36)Kent describes what sets Octus apart from competitors in the field (5:50)Market runway and growth projection (7:33)Kent discusses the decision to rebrand the company (9:16)Bridging Kent's work in finance with technology (10:47)Initial challenges when founding the company (11:50)Kent describes his management style (13:40)How the team at Octus is implementing AI (16:13)Kent's short-term predictions for the private equity market (19:42)Octus' expansion opportunities (22:13)Kent's approach to M&A (23:32)Kent talks about the Good Words Foundation (25:32) Links:Kent Collier on LinkedInOctus on LinkedInOctus WebsiteICR LinkedInICR TwitterICR Website Feedback:If you have questions about the show, or have a topic in mind you'd like discussed in future episodes, email our producer, marion@lowerstreet.co.

Since founding ICR in 1998, Tom and his senior team have grown the firm into one of the largest, most respected and most impactful agencies in the world. He has studied public companies, their value creation initiatives and communications strategies for over 30 years and has used his experience as a former sell-side analyst/investment banker to advise hundreds of high-profile companies spanning numerous industries. This includes Abbott, Keurig Green Mountain, Chipotle, Wendy's, Texas Roadhouse, and Legg Mason to name a few.   As a true partner to corporate clients, Tom's advice is solely geared toward building and preserving C-Suite credibility and reputation, which is a key driver of valuation and capital costs. This, in turn, leads to his clients becoming the employer of choice, the logical exit for companies looking to sell, and other untold opportunities for reinvestment and capital deployment.   Interviewed by Kate Doerge.

Summary:  In some industries, new players try to shake things up by breaking them down. But in sectors like food, where traditions run deep and habits are hard to change, collaboration can be a far more palatable strategy and can be leveraged to create scalable, sustainable solutions. Today's guest is doing just that, using decades of industry expertise to partner with key players, tackle global challenges, and redefine what's possible for the future of food. Jeff "Trip" Tripician is the CEO of Meatable, a Dutch biotech company dedicated to the development of cultivated meat products. Trip is an industry veteran with more than 25 years of experience in the organic and natural meat industry in the U.S.  He most recently served as CEO of Grass Fed Foods and, prior to that, as President of Perdue Premium Meat Company. Trip also brings extensive experience across the U.S. meat market with deep expertise in the U.S. supply chain, marketing of sustainable meat products, fundraising, and M&A. In fact, at Grass Fed Foods, Trip orchestrated a successful merger between Teton Waters Ranch and SunFed Ranch, which positioned the company as the foremost regeneratively focused grass-fed beef platform in the U.S.During his time at Perdue Premium Meat Company, he spearheaded the company's growth and premium meat brands, such as Niman Ranch and Coleman Natural, among others. Notably, he oversaw the acquisition and integration of Panorama Organic Grass-fed Meats and Alexander & Hornung. In this episode, Trip shares how his background in the traditional meat industry shaped his work at Meatable. We dive into the cultivated meat-making process and the nuances of producing different cuts and types of meat. Trip also discusses the challenges the industry is facing, from scaling production and licensing to food security and navigating regulatory hurdles. Highlights:Trip's history in the meat industry and journey into cultivated meat (3:34)Trip describes what drew him to his role at Meatable (4:51)Population growth and the increasing global demand for meat (6:40)How investor mindset in cultivated meat has changed over time (7:49)The science behind cultivating different cuts of meat (9:53)Current cultivated meat projects and innovations at Meatable (12:04)Meatable's business model and how it has evolved (14:26)Public reception to cultivated meat and industry hurdles (17:57)Trip describes the value of spreading awareness and education about cultivated meat (22:39)Future scalability and current field economics (25:16)Links:Jeff Tripician on LinkedInMeatable on LinkedInMeatable WebsiteICR LinkedInICR TwitterICR Website Feedback:If you have questions about the show, or have a topic in mind you'd like discussed in future episodes, email our producer, marion@lowerstreet.co.

Summary:  When it comes to running a business, data insights are invaluable, but that data has to come with meaningful action. You need to be willing to evolve alongside your customers and constantly refine your approach to meet their needs. Today's guest has mastered this balance, building a platform that drives engagement, growth, and innovation at scale.  Today, we're sitting down with Chuck Davis, Chairman and CEO of Prodege. Chuck's business journey began by creating a sports newsletter in middle school that caught the attention of NFL Commissioner Pete Rozelle. He went on to earn degrees from Brown University and then Harvard Business School. Afterward, he embarked on a career that would shape the digital landscape. Chuck started in publishing, working for Time, Inc. and TV Guide before becoming the Walt Disney Company's first President of E-Commerce in 1996, where he launched pivotal online platforms like Disneystore.com and ESPNstore.com.  Chuck's career progressed as he led Shopzilla, formerly known as Bizrate.com, through its acquisition in 2005 and transformed Fandango into a leading entertainment website. For the last 10 years, he has built Prodege into a cutting-edge marketing and consumer insights platform.  In this episode, Chuck explores how adaptability and customer focus have shaped Prodege's success, from harnessing gamification to leveraging AI for innovation. He also shares his approach to leading through change and building a company culture that drives lasting impact. Highlights:Chuck remembers the early days of the internet and the digitalization of brands (3:18)Prodege's background, and what makes their platform unique (6:54)Prodege's approach to data privacy (11:07)Chuck's strategy for navigating business cycles and economic fluctuation (12:17)Chuck describes Prodege's current platform features and how the site has evolved (14:56)How Prodege adapts alongside changing data regulations (16:30)How Prodege maintains quality in their consumer insights (19:36)Chuck discusses how Prodege is incorporating AI into their platform internally and externally (21:07)Current innovations and plans for the future of the platform (23:30)Growth and acquisition opportunities (25:43)How Prodege maintains company culture amid acquisitions and expansion (27:33) Links:Chuck Davis on LinkedInProdege on LinkedInProdege WebsiteICR LinkedInICR TwitterICR Website Feedback:If you have questions about the show, or have a topic in mind you'd like discussed in future episodes, email our producer, marion@lowerstreet.co.

Summary:  Innovation often starts with asking tough questions, like: What if the systems we've always relied on aren't equipped to handle today's complexities? By leveraging data and challenging outdated assumptions, new possibilities are arising in unexpected industries. Today, we're sitting down with Jay Jackson, Chairman and CEO of Abacus Life, which trades under the symbol ABL. Jay joined Abacus Settlements in 2016 as President and Chief Executive Officer and has also served as CEO of Longevity Market Assets since June 2019.  He serves as a current member of the Orlando Mayor's Committee on Livability and as an Executive Board Member for the Senior Resource Alliance, an agency of the Florida Department of Elder Affairs. Jay began his career at Franklin Templeton Investments, and prior to joining Abacus, he co-founded and managed the Fayerweather Street Life Fund, as well as the Cambridge Life Management origination platform for FDO Partners, a three billion quantitative investment firm founded by Harvard Business School professor Ken Froot. With over 20 years of experience in the financial services and life settlement industry, Jay is not only a pioneer in the life settlement and longevity industry but has also formed multiple verticals within that umbrella.  In this episode, we explore how Jay Jackson and Abacus Life are transforming life insurance into a powerful financial empowerment tool, offering policyholders and their loved ones newfound flexibility. He'll also tell us how Abacus is leveraging data to unlock hidden value and drive innovation across the longevity market. Highlights:Abacus' background and mission (3:05)The total addressable market for Abacus in life insurance (4:14)Market competition and key business differentiators (6:10)Abacus' target audience and customer profiles (8:12)Abacus Life's business model and how it has evolved (9:49)Jay describes Abacus' technology platform and the value of data collection (12:11)How data insights will unlock opportunities for innovation and efficiency in the field (16:03)How life insurance policies will change if human lifespans increase (17:50)Jay describes the benefits of taking Abacus public (21:19)The senior team at Abacus Life (23:24)Future goals at Abacus and balancing growth with M&A (25:44) Links:Jay Jackson LinkedInAbacus Life on LinkedInAbacus Life WebsiteBook: Pursuing Wealthspan: How Science is Revolutionizing Wealth ManagementICR LinkedInICR TwitterICR Website Feedback:If you have questions about the show, or have a topic in mind you'd like discussed in future episodes, email our producer, marion@lowerstreet.co.

On this week's Extra Serving, NRN editor in chief Sam Oches and executive editor Alicia Kelso discuss the news that Hot ‘n Now — a Michigan-based burger quick serve that once had 150 locations but is now down to just one — is planning to jumpstart growth again, spearheaded by a developer who plans to use modular build-outs. In the wake of the news that Chi-Chi's and Steak & Ale would also be resurrected, could we be seeing a wave of nostalgia for once-dormant brands? Plus, they talk about new and improved loyalty programs from restaurants like Portillo's, Potbelly, Red Robin, and Denny's, and how loyalty plays a role in restaurant companies' ongoing efforts to jumpstart traffic. Speaking of Denny's, Sam and Alicia chat about the family dining chain's announcement that it planned to return to net new unit growth in 2026 after closing 150 underperforming locations; while 150 closed locations may sound like a lot, Sam and Alicia share why they think this could be a positive move for Denny's. And in this week's extra serving, senior editor Joanna Fantozzi joins to talk about Starbucks' announcement that it would lay off a number of corporate employees. Finally, hear from executives at ICR about their growth strategies in 2025. For more on these stories: Hot ‘n Now is planning a comeback this yearICR takeaways: Efficiency, value adjustments, smaller boxes, cautious optimismDenny's plans to get back to net unit growth by 2026Starbucks CEO Brian Niccol foreshadows possible layoffs

Summary:  In business, leadership isn't just about taking charge — it's about enabling others to thrive. As companies grow and stakes rise, fostering trust and collaboration becomes essential. Today's guest has embraced a leadership style rooted in empowerment, driving innovation, and turning ambitious visions into tangible success. Today we're sitting down with Mohammed Alardhi, Executive Chairman of Investcorp, a leading global manager of alternative investments. Under his leadership, Investcorp has grown its assets under management from 10 billion to 53 billion in just nine years, all while diversifying and expanding its global footprint. Mohammed leads the firm's activities across its global network in New York, London, Bahrain, Abu Dhabi, Riyadh, Mumbai, Delhi, Beijing, Singapore, and Japan. He is a retired Air Vice Marshal and was the youngest and longest-serving Chief of the Omani Air Force, having joined the Royal Air Force of Oman in 1978. In addition to his role at Investcorp, Mohammed also serves as Chairman of the Muscat Stock Exchange. He sits on several boards, including the International Advisory Board of the Brookings Institute in Washington, D.C., the Eisenhower Fellowship in Philadelphia, The World Economic Forum's Community of Chairpersons, and the Harvard Kennedy School's Dean Council, among others. Mohammed is the author of three published books, the most recent is Connecting to the Future, which became a U.S. bestseller in 2023.  He holds a Bachelor of Science degree in Military Science from the Royal Air Force U.K. Staff College and a Master's in Public Administration from the John F. Kennedy School of Government at Harvard University. He is also a graduate of the Royal Air Force Military Academy in the U.K. and the National Defense University in Washington, D.C. In this episode, we discuss how Mohammed redefined his leadership style at Investcorp, blending military precision with visionary strategy to scale operations, foster innovation, and create lasting impact on a global stage. Highlights:How Mohammed spearheaded Investcorp's transformation plan (5:36)Mohammed describes his military experience and how it informs his approach to business (7:47)Situational awareness, and its application to work environments (9:39)How Mohammed views investment decisions on a global scale (11:27)Mohammed's leadership style (12:21)How challenging the status quo helped Investcorp set growth and transformation goals (13:50)What Mohammed has learned from navigating high-profile deals (17:58)How to balance short-term results with long-term strategic planning (19:15)Breaking free of nostalgia in business (20:40)How the Investcorp team maintained internal stability amid substantial growth (22:34)Navigating cultural and economic environments on a global scale (25:19)Investcorp's outlook and goals for 2025 (26:27)Incorporating AI into Investcorp workflows (29:33)Investcorp's influence on corporate social responsibility (30:37) Links:Mohammed Alardhi LinkedInInvestcorp on LinkedInInvestcorp WebsiteBook: Connecting to the Future by Mohammed Alardhi (2023)ICR LinkedInICR TwitterICR Website Feedback:If you have questions about the show, or have a topic in mind you'd like discussed in future episodes, email our producer, marion@lowerstreet.co.

Send us a textWTR Consumer Products analyst Doug Lane shares his thoughts on some common themes at last week's ICR conference in Orlando 

Summary: Branding used to be as simple as product packaging. But today, it's woven into every touchpoint — from social media and customer service to in-store experiences. With more opportunities than ever to connect, brands face the challenge of creating a unified, authentic experience that not only stands out but also stays true to their core identity. Our guest today is helping brands forge deeper, more meaningful connections with their customers...connections that last.Kate Doerge is Principal at Kate Doerge Consulting and Operating Partner at Traub, a global business development, advisory, and investment firm focused on the consumer and retail industries. Kate works with her colleagues at Traub on all aspects of brand strategy and optimization across domestic and global markets.Kate is a dynamic business leader, brand strategist, and trusted advisor driving organizational transformation and delivering impactful results. As an experienced brand marketing consultant, Kate champions innovation and optimizes brand performance to generate value for stakeholders. Her clients have included L'Oreal, H&M, Kate Spade, TAG Heuer, and Oscar de la Renta, among others. Previously, Kate was Head of Marketing at iStar New York, leading iStar's branding and communications efforts. She launched the firm's first marketing department to drive awareness and also helped iStar play a central role in revitalizing Asbury Park, New Jersey with the Asbury Park Now brand campaign.Prior to that, Kate was a partner at Paul Wilmot Communications, where she led the firm's fashion, beauty and wellness, accessories, culture, and lifestyle divisions. In 2015, Kate was appointed Vice Chair of the Board of Advisors of the Hospital for Special Surgery. She sits on the HSS Pediatric Council, and for the past 16 years, she has Co-chaired HSS's most successful fundraiser for the Pediatric Pavilion, raising more than 25 million to date.She also sits on the Board and acts as a Strategic Advisor for the Penny Doerge Adaptive Pediatric Academy and is Co-founder and CEO of Penny's Flight Foundation dedicated to raising awareness and funding for neurofibromatosis, launched in honor of Kate and her husband Chad's daughter, Penny, who passed away from this condition in November of 2022.In this episode, we explore how Kate Doerge is helping brands stand out by balancing authenticity with innovation, aligning messaging across platforms, and leveraging storytelling to create lasting connections in a rapidly evolving market.Highlights:Kate's path into public relations and consulting (4:03)Memorable client experiences at Traub (9:48)Kate describes the Traub team (11:59)How Kate aligns brand strategies across entire teams (13:32)Challenges brands face when adapting their branding digitally (14:37)How Kate stays on top of trends and innovations (15:51)Adapting to trends while remaining authentic (18:20)How Kate's work at Traub informs her consulting business (20:05)Kate's philanthropic work and 'Penny's Flight Foundation' (22:24)Links:Kate Doerge on LinkedInKate Doerge Consulting WebsitePenny's Flight Foundation Traub WebsiteICR LinkedInICR TwitterICR WebsiteFeedback:If you have questions about the show, or have a topic in mind you'd like discussed in future episodes, email our producer, marion@lowerstreet.co.

Morgan Brennan and Jon Fortt lead the hour with insights from Bespoke's Paul Hickey and U.S. Bank's Eric Freedman on the markets, plus Steve Liesman breaks down the latest PPI and CPI data. Bernstein's Courtney Breen provides an update on Eli Lilly's performance after a guidance cut sunk the stock. Marko Papic from BCA Research discusses tariffs and the TikTok debate, while Stephen Yalof, Tanger CEO, explores the evolving retail and mall landscape. David George from Baird dives into bank earnings and JPMorgan developments, and Contessa Brewer reports on the latest fire risks. Plus, key takeaways from ICR with On Holding co-CEOs and Planet Fitness CEO Colleen Keating in her first interview in the role, and an update on Firefly in "Manifest Space."

Summary: What does it take to revitalize a legacy brand, while maintaining its identity? By balancing tradition and transformation, any company can breathe new life into its business and consistently evolve to meet the changing expectations of customers and employees alike.Today's guest is Julie Masino. Julie is President and CEO of Cracker Barrel, a role she took on just over a year ago in November of 2023. Since then, she's led the company with a focus on innovation and growth drawing on her over 30 years of experience in the restaurant and retail industries. Previously, Julie served President of International at Taco Bell and before that, President of North America. She's also held senior leadership positions at Sprinkles Cupcakes, Mattel, Starbucks, and began her career at iconic brands like Godiva, Coach, J. Crew, and Macy's. In this episode, Julie shares her vision for the brand and the five-pillar transformation strategy she is implementing aimed at enhancing market share, guest experience, and profitability.Highlights:Julie explains the opportunity she saw for Cracker Barrel (2:58)Julie's fiver pillar strategy for Cracker Barrel's transformation (4:25)Why dinner remains a key area for increasing market share (9:23)What updates are being made to Cracker Barrel's pricing strategy? (12:39)Improving facilities and team satisfaction (15:44)Julie highlights the metrics correlated with sales growth (18:48)Digital and off-premise growth (23:00)How Cracker Barrel is engaging younger consumers (27:05)Links:Julie Masino on LinkedInCracker Barrel on LinkedInCracker Barrel WebsiteICR LinkedInICR TwitterICR WebsiteFeedback:If you have questions about the show, or have a topic in mind you'd like discussed in future episodes, email our producer, marion@lowerstreet.co.

Summary:  This year, news cycles were dominated by American election coverage, groundbreaking advancements in AI, and distressing updates on global conflicts. After a year marked by uncertainty on so many fronts, will 2025 see a leveling out of the macroeconomic landscape, or persistent volatility? On this brief, end-of-year episode, Tom Ryan, founder and CEO of ICR, and host of Welcome to the Arena reflects on the key market trends of 2024 and explores the potential economic shifts that could define the year ahead.Happy new year from everyone at ICR and Welcome to the Arena. Watch out for new episodes and more incredible stories from our guests in 2025. Links:ICR TwitterICR LinkedInICR WebsiteTom Ryan LinkedIn Feedback:If you have questions about the show, or have a topic in mind you'd like discussed in future episodes, email our producer, marion@lowerstreet.co.

Student loan repayment plans are in chaos. From the PAYE and ICR confusion to the ongoing servicer challenges, borrowers face an overwhelming mess. We break down what's happening, what changes might be coming, and how to stay ahead in an unpredictable system. On the investing side, we're tackling the dominance of U.S. stocks since 2008, asking whether their reign is coming to an end. We'll explore the rise of cryptocurrencies, the risks of betting too heavily on any one market, and why diversification remains critical to long-term financial success. Key moments: (01:23) How reopening the ICR plan lets high-income borrowers qualify for forgiveness and PSLF (03:16) U.S. stocks have outperformed international markets by 3.5x since 2008 (07:23) Bitcoin's wild swings, why it mirrors U.S. stocks but amplifies market moves (11:45) Why investors tend to chase risky stocks and overlook safer opportunities (15:40) The importance of a diversified portfolio for professionals, no matter your student loan debt (16:49) Key investment strategies to prioritize as 2025 approaches   Links mentioned:  Department of Education Announces Borrowers Can Now Apply for Additional Income-Driven Repayment Plans WSJ: Young Men Are Making Risky Bets on Crypto and Politics—and Raking It In Right Now   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

Listen in with student debt expert and Board Member Dr. Tony Bartels in this next installment of our Student Debt Series. In this episode we're covering the latest news on student loans as we close out 2024 and start 2025.    Topics covered included: December 18, 2024 US Department of Education announcement on Pay As Your Earn (PAYE) and Income Contingent Repayment (ICR) Timeframes/features and additional information about PAYE and ICR Income Driven Repayment (IDR) profiles What this latest news means for the Save On Valuable Education (SAVE) plan  Where things stand on the One-time Forgiveness Adjustment Additional helpful information for borrowers   As always, we want to hear from YOU. Please share your thoughts by sending an email or joining the conversation.     NOTE: This is an ongoing situation, for continued updates visit the VIN Foundation Blog and student debt message board areas. GUEST BIO: Dr. Tony Bartels Tony Bartels, DVM, MBA graduated in 2012 from the Colorado State University combined MBA/DVM program and is a VIN Foundation Board Member and Student Debt Expert, and an employee of the Veterinary Information Network (VIN). He and his wife, a small-animal internal medicine specialist practicing in Denver, have more than $400,000 in veterinary-school debt that they manage using federal income-driven repayment plans. By necessity (and now obsession), his professional activities include researching and speaking on veterinary-student debt, providing guidance to colleagues on loan-repayment strategies and contributing to VIN Foundation resources. Beyond debt, his professional interests include small- and exotic-animal practice. When he's not staring holes into his colleagues' student-loan data, Tony enjoys fly fishing, ice hockey, camping and exploring Colorado with his wife, Audra, daughter, Lucy, and their two rescued canines, Addi and Maggie. LINKS AND INFORMATION:   VIN Foundation Student Debt Center: https://vinfoundation.org/studentdebtcenter Check your current student loan servicers and other loan details -- VIN Foundation My Student Loans tool: http://www.vinfoundation.org/mystudentloans VIN Foundation IDR Profiles: WikiDebt - IDR Eligibility Loan Repayment Simulator: https://vinfoundation.org/loansim  VIN Foundation WikiDebt: https://vinfoundation.org/wikidebt VIN Foundation get updates: https://vinfoundation.org/updates/ VIN Foundation GIVE page to support programs these programs & tools: https://vinfoundation.org/give VIN Foundation Blog, Related Student Debt Blog posts:  PAYE and ICR income-driven repayment plans temporarily reactivated https://vinfoundation.org/paye-and-icr-income-driven-repayment-plans-temporarily-reactivated/ The election is over. Change is on the horizon. What is next for your student loans? https://vinfoundation.org/the-election-is-over-change-is-on-the-horizon-what-is-next-for-your-student-loans/ Student Loan FAQs and What's Next? https://vinfoundation.org/september-2024-student-loan-update-faqs-and-whats-next/ SAVE is blocked. What does that mean for your student loans?: https://vinfoundation.org/save-recent-court-rulings/  Choosing between PAYE and SAVE income-driven plans: Are you in The Pickle? https://vinfoundation.org/choosing-between-paye-and-save-income-driven-plans-are-you-in-the-pickle/ A ‘new' income-driven repayment plan? https://vinfoundation.org/a-new-income-driven-repayment-plan/  Personalized student loan Help from VIN and VIN Foundation: https://vinfoundation.org/veterinary-student-loan-debt-help/  Income-Driven Repayment Plan Discretionary income calculations, WikiDebt: https://www.vin.com/studentdebtcenter/default.aspx?pid=14352&catId=74141&id=7249857  Federal Student Aid Data, Consolidation, and Repayment Applications: https://studentaid.gov/ Department of Education Updates on Saving on a Valuable Education (SAVE Plan): https://www.ed.gov/save  SAVE Plan Court Actions: Impact on Borrowers: https://studentaid.gov/announcements-events/save-court-actions  Have a veterinary story you want to share? https://share.hsforms.com/1e6QkQvg2RI-wpDv59Byqkwcos60 Stay up to date with VIN Foundation updates: https://vinfoundation.org/updates/ Email VIN Foundation: studentdebt@vinfoundation.org Get updates to stay tuned for the VIN Foundation webinars on student debt.  You may learn more about the VIN Foundation, on the website, or join the conversation on Facebook, Instagram, and LinkedIn. If you like this podcast, we would appreciate it if you follow and share. As always, we welcome feedback. If you have an idea for a podcast episode, we'd love to hear it!

Summary: With a new, crypto-friendly administration incoming, 2025 may be the year we see Bitcoin integrate more fully into mainstream finance in America and globally. Though volatile, and with an uncertain future that will heavily depend on how macroeconomic conditions and regulatory policies play out across the year, there's reason to believe that Bitcoin could soon be more prominent than ever. Today's guest is here to tell us why.Michael Saylor is the Executive Chairman and co-founder of business intelligence company MicroStrategy (Nasdaq: MSTR), and a leading advocate of Bitcoin. MicroStrategy considers itself to be the world's first Bitcoin Company, and under Michael's leadership have adopted a unique Bitcoin acquisition strategy with approximately $42 billion in Bitcoin held to date. Michael will also be the keynote speaker in ICR's 27th annual conference, held in Orlando, Florida in January 2025. In this episode, Michael describes his journey from skeptic to Bitcoin maximalist, emphasizes the importance of understanding Bitcoin as a digital capital asset, and discusses its potential to disrupt traditional valuation methodologies in finance.Highlights:Michael recommends resources for Bitcoin beginners (2:37)Why fear of progress holds us back (3:55)Michael points out the clues suggesting Bitcoin is here to stay (7:11)What USD maximalists get wrong (13:15)How we can understand the potential of Bitcoin through an engineering lens (16:25)Why valuation methodologies need to adapt to include Bitcoin (18:48)How Bitcoin outperforms traditional investments (28:09)Why supportive regulatory environment is crucial for Bitcoin's growth (30:54)Michael explains why the current capital market structure favors a select few (34:59)Why sound money is critical for societal progress (39:00)Links:Michael Saylor LinkedInMicroStrategy WebsiteBook: The Bitcoin Standard by Saifedean AmmousICR LinkedInICR TwitterICR WebsiteFeedback:If you have questions about the show, or have a topic in mind you'd like discussed in future episodes, email our producer, marion@lowerstreet.co.

Summary: With a rising global population and growing urgency around sustainability, one industry under the spotlight is cultured meat. Vegan and plant-based products have made strides in recent years, but today's guest is pushing that progress further—pioneering new ways to create sustainable alternatives without compromise.​Arik Kaufman is an accomplished entrepreneur and the CEO and co-founder of Steakholder Foods. Armed with strong values and a clear vision of how to approach urgently-needed changes in the food industry, Arik set out to develop printed meat in 2019, resulting in a more sustainable and authentic alternative to conventional meat. Today, with its innovative 3D food printing technology, Steakholder is at the forefront of this growing industry. Arik has also founded three other food-tech firms, two of them (cell-grown milk developer Wilk and cultured honey company Beeio Honey) on the Tel Aviv stock exchange, and is a founding partner of Blue Sound Waves, an investment partnership led by Ashton Kutcher, Guy Oseary, and Effie Epstein.In this episode, we explore how Steakholder Foods is shaping a future where alternative proteins and traditional meat coexist, and what it will take for cutting-edge technologies like 3D printing to gain widespread adoption in a rapidly evolving market.Highlights:The impact of a growing population and climate change on the cultured meat industry (4:36)How 3D printing meat works, and what makes Steakholder's approach unique (6:42)The importance of IP and in-house innovation at Steakholder Foods (8:50)Steakholder Foods' business model (10:05)Steakholder's customer base and target audiences (11:19)The status of regulation with cultured meat technology (15:25)Differences between 3D printing variances of cultured meat (18:08)Arik speaks on the potential for international expansion (19:35)Arik discusses collaborations and partnerships in the food industry (22:42)Arik reflects on lessons learned working in food tech (23:49)What Arik is most excited about at Steakholder, and plans for the future (24:46)Links:Arik Kaufman on LinkedInSteakholder Foods on LinkedInSteakholder Foods Website ICR LinkedIn ICR Twitter ICR Website Feedback:If you have questions about the show, or have a topic in mind you'd like discussed in future episodes, email our producer, marion@lowerstreet.co.

Summary: In today's market, too often brands find themselves caught up in chasing trends, losing sight of the path to long-term growth. Today's guests are breaking that cycle by taking a customer-first approach, turning insights into action, and aligning multiple brands under one clear vision.Today we're sitting down with Steve Dunn and Diana "DB" Barnes from WHY Brands. Steve is WHY's CEO, founder, and Chairman and Diana is Chief Brand Officer and Creative Director of the company. WHY Brands is the parent company of baby lifestyle brand Munchkin, which Steve founded in 1990, as well as a new name in upscale home goods, Curio, which was co-founded by DB and Steve in 2023. A young father himself at Munchkin's start, Steve aspired to bring smart design into the nursery and found his passion in innovative product development and is now the primary inventor of the majority of over 350 patents. An investment banker turned entrepreneur, Steve holds a Bachelor's Degree from UC Berkeley and an MBA from Harvard Business School. As Chief Brand Officer, DB oversees global brand partnerships and manages the public relations, social media, and brand design teams for Munchkin and Curio Worldwide. She joined Munchkin in 2014 and under her leadership the brand design team has won over a hundred top international awards.She's the creator and producer of Munchkin's top-ranked parenting podcast, StrollerCoaster, and was recently named one of the top 20 CMOs in the world by Fast Company. DB is a passionate advocate for animals and the environment, and leads all Munchkin CSR initiatives, including partnerships with the International Fund for Animal Welfare and Trees for the Future.Diana holds a BA from the University of Tennessee, a BFA in Graphics Packaging from the ArtCenter College of Design, and has completed several executive MBA programs at Harvard Business School.In this episode, we learn how WHY Brands' "moonshot" culture fuels its innovation, and why paying attention to your customers should always be a priority. Highlights:Steve's business background and path to founding Munchkin (3:50)Steve describes the early days of the baby and children's market, and initial hurdles at Munchkin (5:20)DB talks through the founding of Curio Home Goods (7:08)The inspiration behind the creation of WHY Brands (8:22)DB discusses the unique 'moonshot culture' at WHY Brands (9:35)WHY Brands' RD8 Group and how they innovate for the future (10:40)DB on the importance of connecting with the consumer beyond advertising (15:03)Potential M&A opportunities at WHY Brands (17:31)Hot to stay on top of evolving trends and maintains brand relevancy (19:59)Standout products from Curio and Munchkin (22:59)WHY Brands' philanthropic initiatives (24:44)Steve's advice for navigating rocky climates in business (26:22)DB reflects on career challenges she has overcome (28:13)Links:WHY Brands Inc. on LinkedInWHY Brands Inc. WebsiteDiana Barnes on LinkedInStrollerCoaster PodcastICR LinkedInICR TwitterICR WebsiteFeedback:If you have questions about the show, or have a topic in mind you'd like discussed in future episodes, email our producer, marion@lowerstreet.co.

Summary:  Navigating the intricate landscape of ESG and shareholder activism requires a deep understanding of both market dynamics and investor expectations. That's why expert guidance is indispensable for companies looking to build lasting value and trust with their stakeholders.Today we're sitting down with Lyndon Park, Head of ICR Governance Solutions. Lyndon advises boards and management teams on complex corporate governance, ESG and shareholder activist event-driven issues to align clients with investor and market expectations. Before joining ICR, Lyndon was Head of Global Corporate Governance at Dimensional Fund Advisors, where he oversaw the firm's global stewardship and ESG initiatives. Prior to Dimensional, Lynden was a partner and Head of Governance and Listing Standards at EQX, a capital market startup. He began his career in governance at BlackRock by supporting BlackRock's board of directors on intercompany governance matters before serving as one of the BlackRock Investment Stewardship teams' lead governance analysts, overseeing portfolio companies representing about $450B of BlackRock's AUM. Lyndon is a recognized thought leader in ESG and shareholder activism, frequently participates on panels, and his perspectives have been published or quoted in numerous leading media outlets like the Wall Street Journal and the Financial Times. Highlights:Takeaways from the 2024 proxy season (3:25)What companies can do differently to avoid Executive comp challenges (6:00)What companies can do differently when under duress during proxy season (8:58)Lyndon discusses the effects of the Universal Proxy Card (11:45)Lyndon discusses MNA-driven attacks (16:06)Examining the recent Starbucks ESG activist campaign (17:25)The current anti-ESG movement, and Lyndon's take (19:24)Lyndon's advice on easy wins in ESG strategy in this moderating DEI climate (21:50)Lyndon shares what he sees on the horizon in 2025 (25:05)How the best boards and management teams tackle this landscape (28:17) Links:Lyndon Park on LinkedInICR LinkedInICR TwitterICR Website Feedback:If you have questions about the show, or have a topic in mind you'd like discussed in future episodes, email our producer, marion@lowerstreet.co.

* List of Discoveries Squeezing Evolution: Did you know that dinosaurs ate rice before rice evolved? That turtle shells existed forty million years before turtle shells began evolving? That insects evolved tongues for eating from flowers 70 million years before flowers evolved? And that birds appeared before birds evolved? The fossil record is a wonderful thing. And more recently, only a 40,000-year squeeze, Neanderthal had blood types A, B, and O, shocking evolutionists but expected to us here at Real Science Radio! Sit back and get ready to enjoy another instant classic, today's RSR "list show" on Evolution's Big Squeeze! Our other popular list shows include: - scientists doubting Darwin - evidence against whale evolution - problems with 'the river carved the canyon' - carbon 14 everywhere it shouldn't be - dinosaur still-soft biological tissue - solar system formation problems - evidence against the big bang - evidence for the global flood - genomes that just don't fit - and our list of not so old things! (See also rsr.org/sq2 and rsr.org/sq3!) * Evolution's Big Squeeze: Many discoveries squeeze the Darwinian theory's timeframe and of course without a workable timeframe there is no workable theory. Examples, with their alleged (and falsified) old-earth timeframes, include: - Complex skeletons existed 9 million years before they were thought to have evolved, before even the "Cambrian explosion".- Butterflies existed 10 million years before they were thought to have evolved. - Parrots existed "much earlier than had been thought", in fact, 25 million years before they were thought to have evolved. - Cephalopod fossils (squids, cuttlefish, etc.) appear 35 million years before they were able to propagate. - Turtle shells 40 million years before turtle shells began evolving - Trees began evolving 45 million years before they were thought to evolve - Spores appearing 50 million years before the plants that made them (not unlike footprints systematically appearing "millions of years before" the creatures that made them, as affirmed by Dr. Marcus Ross, associate professor of geology). - Sponges existed 60 million years before they were believed to have evolved. - Dinosaurs ate rice before it evolved Example - Insect proboscis (tongue) in moths and butterflies 70 million years before previously believed has them evolving before flowers. - Arthropod brains fully developed with central nervous system running to eyes and appendages just like modern arthropods 90 million years earlier than previously known (prior to 2021, now, allegedly 310mya) - 100 million years ago and already a bird - Fossil pollen pushes back plant evolution 100 million years. - Mammalian hair allegedly 100-million-years-old show that, "the morphology of hair cuticula may have remained unchanged throughout most of mammalian evolution", regarding the overlapping cells that lock the hair shaft into its follicle. - Piranha-like flesh-eating teeth (and bitten prey) found pushing back such fish 125 million years earlier than previously claimed   - Shocking organic molecules in "200 million-years-old leaves" from ginkgoes and conifers show unexpected stasis. - Plant genetic sophistication pushed back 200 million years. - Jellyfish fossils (Medusoid Problematica :) 200 million years earlier than expected; here from 500My ago. - Green seaweed 200 million years earlier than expected, pushed back now to a billion years ago!  - The acanthodii fish had color vision 300 million years ago, but then, and wait, Cheiracanthus fish allegedly 388 million years ago already had color vision. - Color vision (for which there is no Darwinian evolutionary small-step to be had, from monochromatic), existed "300 million years ago" in fish, and these allegedly "120-million-year-old" bird's rod and cone fossils stun researchers :) - 400-million-year-old Murrindalaspis placoderm fish "eye muscle attachment, the eyestalk attachment and openings for the optic nerve, and arteries and veins supplying the eyeball" The paper's author writes, "Of course, we would not expect the preservation of ancient structures made entirely of soft tissues (e.g. rods and cone cells in the retina...)." So, check this next item... :) - And... no vertebrates in the Cambrian? Well, from the journal Nature in 2014, a "Lower-Middle Cambrian... primitive fish displays unambiguous vertebrate features: a notochord, a pair of prominent camera-type eyes, paired nasal sacs, possible cranium and arcualia, W-shaped myomeres, and a post-anal tail" Primitive? - Fast-growing juvenile bone tissue, thought to appear in the Cretaceous, has been pushed back 100 million years: "This pushes the origin of fibrolamellar bone in Sauropterygia back from the Cretaceous to the early Middle Triassic..."- Trilobites "advanced" (not the predicted primitive) digestion "525 million" years ago - And there's this, a "530 million year old" fish, "50 million years before the current estimate of when fish evolved" - Mycobacterium tuberculosis 100,000 yr-old MRCA (most recent common ancestor) now 245 million- Fungus long claimed to originate 500M years ago, now found at allegedly 950 Mya (and still biological "the distant past... may have been much more 'modern' than we thought." :) - A rock contained pollen a billion years before plants evolved, according to a 2007 paper describing "remarkably preserved" fossil spores in the French Alps that had undergone high-grade metamorphism - 2.5 billion year old cyanobacteria fossils (made of organic material found in a stromatolite) appear about "200 million years before the [supposed] Great Oxidation Event". - 2.7 billion year old eukaryotes (cells with a nucleus) existed (allegedly) 1 billion years before expected - 3.5 billion year "cell division evidently identical to that of living filamentous prokaryotes." - And even older cyanobacteria! At 220 million years earlier than thought, per Nature's 3.7 billion year old dating of stromatolites! - The universe and life itself (in 2019 with the universe dated a billion, now, no, wait, two billion!, years younger than previously thought, that's not only squeezing biological but also astronomical evolution, with the overall story getting really tight) - Mantis shrimp, with its rudimentary color but advanced UV vision, is allegedly ancient. - Hadrosaur teeth, all 1400 of them, were "more complex than those of cows, horses, and other well-known modern grazers." Professor stunned by the find! (RSR predicts that, by 2030 just to put an end date on it, more fossils will be found from the geologic column that will be more "advanced" as compared to living organisms, just like this hadrosaur and like the allegedly 100M year old hagfish  fossil having more slime glands than living specimens.)  - Trace fossils "exquisitely preserved" of mobile organisms (motility) dated at 2.1 billion years ago, a full 1.5 billion earlier than previously believed - Various multicellular organisms allegedly 2.1 billion years old, show multicellularity 1.5 billion years sooner than long believed   - Pre-sauropod 26,000-pound dinosaur "shows us that even as far back as 200 million years ago, these animals had already become the largest vertebrates to ever walk the Earth." - The Evo-devo squeeze, i.e., evolutionary developmental biology, as with rsr.org/evo-devo-undermining-darwinism. - Extinct Siberian one-horned rhinos coexisted with mankind. - Whale "evolution" is being crushed in the industry-wide "big squeeze". First, geneticist claims whales evolved from hippos but paleontologists say hippos evolved tens of millions of years too late! And what's worse than that is that fossil finds continue to compress the time available for whale evolution. To not violate its own plot, the Darwinist story doesn't start animals evolving back into the sea until the cast includes land animals suitable to undertake the legendary journey. The recent excavation of whale fossils on an island of the Antarctic Peninsula further compresses the already absurdly fast 10 million years to allegedly evolve from the land back to the sea, down to as little as one million years. BioOne in 2016 reported a fossil that is "among the oldest occurrences of basilosaurids worldwide, indicating a rapid radiation and dispersal of this group since at least the early middle Eocene." By this assessment, various techniques produced various published dates. (See the evidence that falsifies the canonical whale evolution story at rsr.org/whales.) * Ancient Hierarchical Insect Society: "Thanks to some well-preserved remains, researchers now believe arthropod social structures have been around longer than anyone ever imagined. The encased specimens of ants and termites recently studied date back [allegedly] 100 million years." Also from the video about "the bubonic plague", the "disease is well known as a Middle Ages mass killer... Traces of very similar bacteria were found on [an allegedly] 20-million-year-old flea trapped in amber." And regarding "Caribbean lizards... Even though they are [allegedly] 20 million years old, the reptiles inside the golden stones were not found to differ from their contemporary counterparts in any significant way. Scientists attribute the rarity [Ha! A rarity or the rule? Check out rsr.org/stasis.] to stable ecological surroundings." * Squeezing and Rewriting Human History: Some squeezing simply makes aspects of the Darwinian story harder to maintain while other squeezing contradicts fundamental claims. So consider the following discoveries, most of which came from about a 12-month period beginning in 2017 which squeeze (and some even falsify) the Out-of-Africa model: - find two teeth and rewrite human history with allegedly 9.7 million-year-old teeth found in northern Europe (and they're like Lucy, but "three times older") - date blue eyes, when humans first sported them, to as recently as 6,000 years ago   - get mummy DNA and rewrite human history with a thousand years of ancient Egyptian mummy DNA contradicting Out-of-Africa and demonstrating Out-of-Babel - find a few footprints and rewrite human history with allegedly 5.7 million-year-old human footprints in Crete - re-date an old skull and rewrite human history with a very human skull dated at 325,000 years old and redated in the Journal of Physical Anthropology at about 260,000 years old and described in the UK's Independent, "A skull found in China [40 years ago] could re-write our entire understanding of human evolution." - date the oldest language in India, Dravidian, with 80 derivatives spoken by 214 million people, which appeared on the subcontinent only about 4,500 years ago, which means that there is no evidence for human language for nearly 99% of the time that humans were living in Asia. (Ha! See rsr.org/origin-of-language for the correct explanation.) - sequence a baby's genome and rewrite human history with a 6-week old girl buried in Alaska allegedly 11,500 years ago challenging the established history of the New World. (The family buried this baby girl just beneath their home like the practice in ancient Mesopotamia, the Hebrews who sojourned in Egypt, and in Çatalhöyük in southern Turkey, one of the world's most ancient settlements.) - or was that 130,000? years ago as the journal Nature rewrites human history with a wild date for New World site - and find a jawbone and rewrite human history with a modern looking yet allegedly 180,000-year-old jawbone from Israel which "may rewrite the early migration story of our species" by about 100,000 years, per the journal Science - re-date a primate and lose yet another "missing link" between "Lucy" and humans, as Homo naledi sheds a couple million years off its age and drops from supposedly two million years old to (still allegedly) about 250,000 years old, far too "young" to be the allegedly missing link - re-analysis of the "best candidate" for the most recent ancestor to human beings, Australopithecus sediba, turns out to be a juvenile Lucy-like ape, as Science magazine reports work presented at the American Association of Physical Anthropologists 2017 annual meeting - find skulls in Morocco and "rewrite human history" admits the journal Nature, falsifying also the "East Africa" part of the canonical story - and from the You Can't Make This Stuff Up file, NPR reports in April 2019, Ancient Bones And Teeth Found In A Philippine Cave May Rewrite Human History. :) - Meanwhile, whereas every new discovery requires the materialists to rewrite human history, no one has had to rewrite Genesis, not even once. Yet, "We're not claiming that the Bible is a science textbook. Not at all. For the textbooks have to be rewritten all the time!"  - And even this from Science: "humans mastered the art of training and controlling dogs thousands of years earlier than previously thought."- RSR's Enyart commented on the Smithsonian's 2019 article on ancient DNA possibly deconstructing old myths...  This Smithsonian article about an ancient DNA paper in Science Advances, or actually, about the misuse of such papers, was itself a misuse. The published research, Ancient DNA sheds light on the genetic origins of early Iron Age Philistines, confirmed Amos 9:7 by documenting the European origin of the biblical Philistines who came from the island of Caphtor/Crete. The mainstream media completely obscured this astounding aspect of the study but the Smithsonian actually stood the paper on its head. [See also rsr.org/archaeology.]* Also Squeezing Darwin's Theory: - Evolution happens so slowly that we can't see it, yet - it happens so fast that millions of mutations get fixed in a blink of geologic time AND: - Observing a million species annually should show us a million years of evolution, but it doesn't, yet - evolution happens so fast that the billions of "intermediary" fossils are missing AND: - Waiting for helpful random mutations to show up explains the slowness of evolution, yet - adaption to changing environments is often immediate, as with Darwin's finches Finches Adapt in 17 Years, Not 2.3 Million: Charles Darwin's finches are claimed to have taken 2,300,000 years to diversify from an initial species blown onto the Galapagos Islands. Yet individuals from a single finch species on a U.S. Bird Reservation in the Pacific were introduced to a group of small islands 300 miles away and in at most 17 years, like Darwin's finches, they had diversified their beaks, related muscles, and behavior to fill various ecological niches. So Darwin's finches could diversify in just 17 years, and after 2.3 million more years, what had they evolved into? Finches! Hear this also at rsr.org/lee-spetner and see Jean Lightner's review of the Grants' 40 Years. AND: - Fossils of modern organisms are found "earlier" and "earlier" in the geologic column, and - the "oldest" organisms are increasingly found to have anatomical, proteinaceous, prokaryotic, and eukaryotic sophistication and similarity to "modern" organisms AND: - Small populations are in danger of extinction (yet they're needed to fix mutations), whereas - large populations make it impossible for a mutation to become standard AND: - Mutations that express changes too late in an organism's development can't effect its fundamental body plan, and - mutations expressed too early in an organism's development are fatal (hence among the Enyart sayings, "Like evolving a vital organ, most major hurdles for evolutionary theory are extinction-level events.") AND: - To evolve flight, you'd get bad legs - long before you'd get good wings AND: - Most major evolutionary hurdles appear to be extinction-level events- yet somehow even *vital* organs evolve (for many species, that includes reproductive organs, skin, brain, heart, circulatory system, kidney, liver, pancreas, stomach, small intestines, large intestines, lungs -- which are only a part of the complex respiration system) AND: - Natural selection of randomly taller, swifter, etc., fish, mammals, etc. explains evolution yet - development of microscopic molecular machines, feedback mechanisms, etc., which power biology would be oblivous to what's happening in Darwin's macro environment of the entire organism AND: - Neo-Darwinism suggests genetic mutation as the engine of evolution yet - the there is not even a hypothesis for modifying the vast non-genetic information in every living cell including the sugar code, electrical code, the spatial (geometric) code, and the epigenetic code AND: - Constant appeals to "convergent" evolution (repeatedly arising vision, echolocation, warm-bloodedness, etc.) - undermine most Darwinian anatomical classification especially those based on trivialities like odd or even-toed ungulates, etc. AND: - Claims that given a single species arising by abiogenesis, then - Darwinism can explain the diversification of life, ignores the science of ecology and the (often redundant) biological services that species rely upon AND: - humans' vastly superior intelligence indicates, as bragged about for decades by Darwinists, that ape hominids should have the greatest animal intelligence, except that - many so-called "primitive" creatures and those far distant on Darwin's tee of life, exhibit extraordinary rsr.org/animal-intelligence even to processing stimuli that some groups of apes cannot AND: - Claims that the tree of life emerges from a single (or a few) common ancestors - conflict with the discoveries of multiple genetic codes and of thousands of orphan genes that have no similarity (homology) to any other known genes AND (as in the New Scientist cover story, "Darwin Was Wrong about the tree of life", etc.): - DNA sequences have contradicted anatomy-based ancestry claims - Fossil-based ancestry claims have been contradicted by RNA claims - DNA-based ancestry claims have been contradicted by anatomy claims - Protein-based ancestry claims have been contradicted by fossil claims. - And the reverse problem compared to a squeeze. Like finding the largest mall in America built to house just a kid's lemonade stand, see rsr.org/200 for the astounding lack of genetic diversity in humans, plants, and animals, so much so that it could all be accounted for in just about 200 generations! - The multiplied things that evolved multiple times - Etc. * List of Ways Darwinists Invent their Tree of Life, aka Pop Goes the Weasle – Head and Shoulders, Knees and Toes: Evolutionists change their selection of what evidence they use to show 'lineage', from DNA to fossils to genes to body plans to teeth to many specific anatomical features to proteins to behavior to developmental similarities to habitat to RNA, etc. and to a combination of such. Darwinism is an entire endeavor based on selection bias, a kind of logical fallacy. By anti-science they arbitrarily select evidence that best matches whichever evolutionary story is currently preferred." -Bob E. The methodology used to create the family tree edifice to show evolutionary relationships classifies the descent of organisms based on such attributes as odd-toed and even-toed ungulates. Really? If something as wildly sophisticated as vision allegedly evolved multiple times (a dozen or more), then for cryin' out loud, why couldn't something as relatively simple as odd or even toes repeatedly evolve? How about dinosaur's evolving eggs with hard shells? Turns out that "hard-shelled eggs evolved at least three times independently in dinosaurs" (Nature, 2020). However, whether a genus has an odd or even number of toes, and similar distinctions, form the basis for the 150-year-old Darwinist methodology. Yet its leading proponents still haven't acknowledged that their tree building is arbitrary and invalid. Darwin's tree recently fell anyway, and regardless, it has been known to be even theoretically invalid all these many decades. Consider also bipedalism? In their false paradigm, couldn't that evolve twice? How about vertebrate and non-vertebrates, for that matter, evolving multiple times? Etc., etc., etc. Darwinists determine evolutionary family-tree taxonomic relationships based on numbers of toes, when desired, or on hips (distinguishing, for example, dinosaur orders, until they didn't) or limb bones, or feathers, or genes, or fossil sequence, or neck bone, or..., or..., or... Etc. So the platypus, for example, can be described as evolving from pretty much whatever story would be in vogue at the moment...   * "Ancient" Protein as Advanced as Modern Protein: A book review in the journal Science states, "the major conclusion is reached that 'analyses made of the oldest fossils thus far studied do not suggest that their [allegedly 145-million year-old] proteins were chemically any simpler than those now being produced.'" 1972, Biochemistry of Animal Fossils, p. 125 * "Ancient" Lampreys Just Modern Lampreys with Decomposed Brain and Mouth Parts: Ha! Researches spent half-a-year documenting how fish decay. RSR is so glad they did! One of the lessons learned? "[C]ertain parts of the brain and the mouth that distinguish the animals from earlier relatives begin a rapid decay within 24 hours..." :) * 140-million Year Old Spider Web: The BBC and National Geographic report on a 140-million year old spider web in amber which, as young-earth creationists expect, shows threads that resemble silk spun by modern spiders. Evolutionary scientists on the otherhand express surprise "that spider webs have stayed the same for 140 million years." And see the BBC. * Highly-Credentialed Though Non-Paleontologist on Flowers: Dr. Harry Levin who spent the last 15 years of a brilliant career researching paleontology presents much evidence that flowering plants had to originate not 150 million years ago but more than 300 million years ago. (To convert that to an actual historical timeframe, the evidence indicates flowers must have existed prior to the time that the strata, which is popularly dated to 300 mya, actually formed.) * Rampant Convergence: Ubiquitous appeals to "convergent" evolution (vision, echolocation, warm-bloodedness, icthyosaur/dolphin anatomy, etc.), all allegedly evolving multiple times, undermines anatomical classification based on trivialities like odd or even-toed ungulates, etc. * Astronomy's Big Evolution Squeeze: - Universe a billion, wait, two billion, years younger than thought   (so now it has to evolve even more impossibly rapidly) - Sun's evolution squeezes biological evolution - Galaxies evolving too quickly - Dust evolving too quickly - Black holes evolving too quickly - Clusters of galaxies evolving too quickly. * The Sun's Evolution Squeezes Life's Evolution: The earlier evolutionists claim that life began on Earth, the more trouble they have with astrophysicists. Why? They claim that a few billion years ago the Sun would have been far more unstable and cooler. The journal Nature reports that the Faint young Sun paradox remains for the "Sun was fainter when the Earth was young, but the climate was generally at least as warm as today". Further, our star would shoot out radioactive waves many of which being violent enough to blow out Earth's atmosphere into space, leaving Earth dead and dry like Mars without an atmosphere. And ignoring the fact that powerful computer simulators cannot validate the nebula theory of star formation, if the Sun had formed from a condensing gas cloud, a billion years later it still would have been emitting far less energy, even 30% less, than it does today. Forget about the claimed one-degree increase in the planet's temperature from man-made global warming, back when Darwinists imagine life arose, by this just-so story of life spontaneously generating in a warm pond somewhere (which itself is impossible), the Earth would have been an ice ball, with an average temperature of four degrees Fahrenheit below freezing! See also CMI's video download The Young Sun. * Zircons Freeze in Molten Eon Squeezing Earth's Evolution? Zircons "dated" 4 to 4.4 billion years old would have had to freeze (form) when the Earth allegedly was in its Hadean (Hades) Eon and still molten. Geophysicist Frank Stacey (Cambridge fellow, etc.) has suggested they may have formed above ocean trenches where it would be coolest. One problem is that even further squeezes the theory of plate tectonics requiring it to operate two billion years before otherwise claimed. A second problem (for these zircons and the plate tectonics theory itself) is that ancient trenches (now filled with sediments; others raised up above sea level; etc.) have never been found. A third problem is that these zircons contain low isotope ratios of carbon-13 to carbon-12 which evolutionists may try to explain as evidence for life existing even a half-billion years before they otherwise claim. For more about this (and to understand how these zircons actually did form) just click and then search (ctrl-f) for: zircon character. * Evolution Squeezes Life to Evolve with Super Radioactivity: Radioactivity today breaks chromosomes and produces neutral, harmful, and fatal birth defects. Dr. Walt Brown reports that, "A 160-pound person experiences 2,500 carbon-14 disintegrations each second", with about 10 disintergrations per second in our DNA. Worse for evolutionists is that, "Potassium-40 is the most abundant radioactive substance in... every living thing." Yet the percentage of Potassium that was radioactive in the past would have been far in excess of its percent today. (All this is somewhat akin to screws in complex machines changing into nails.) So life would have had to arise from inanimate matter (an impossibility of course) when it would have been far more radioactive than today. * Evolution of Uranium Squeezed by Contrasting Constraints: Uranium's two most abundant isotopes have a highly predictable ratio with 235U/238U equaling 0.007257 with a standard deviation of only 0.000017. Big bang advocates claim that these isotopes formed in distant stellar cataclysms. Yet that these isotopes somehow collected in innumerable small ore bodies in a fixed ratio is absurd. The impossibility of the "big bang" explanation of the uniformity of the uranium ratio (rsr.org/bb#ratio) simultaneously contrasts in the most shocking way with its opposite impossibility of the missing uniform distribution of radioactivity (see rsr.org/bb#distribution) with 90% of Earth's radioactivity in the Earth's crust, actually, the continental crust, and even at that, preferentially near granite! A stellar-cataclysmic explanation within the big bang paradigm for the origin of uranium is severely squeezed into being falsified by these contrasting constraints. * Remarkable Sponges? Yes, But For What Reason? Study co-author Dr. Kenneth S. Kosik, the Harriman Professor of Neuroscience at UC Santa Barbara said, "Remarkably, the sponge genome now reveals that, along the way toward the emergence of animals, genes for an entire network of many specialized cells evolved and laid the basis for the core gene logic of organisms that no longer functioned as single cells." And then there's this: these simplest of creatures have manufacturing capabilities that far exceed our own, as Degnan says, "Sponges produce an amazing array of chemicals of direct interest to the pharmaceutical industry. They also biofabricate silica fibers directly from seawater in an environmentally benign manner, which is of great interest in communications [i.e., fiber optics]. With the genome in hand, we can decipher the methods used by these simple animals to produce materials that far exceed our current engineering and chemistry capabilities." Kangaroo Flashback: From our RSR Darwin's Other Shoe program: The director of Australia's Kangaroo Genomics Centre, Jenny Graves, that "There [are] great chunks of the human genome… sitting right there in the kangaroo genome." And the 20,000 genes in the kangaroo (roughly the same number as in humans) are "largely the same" as in people, and Graves adds, "a lot of them are in the same order!" CMI's Creation editors add that "unlike chimps, kangaroos are not supposed to be our 'close relatives.'" And "Organisms as diverse as leeches and lawyers are 'built' using the same developmental genes." So Darwinists were wrong to use that kind of genetic similarity as evidence of a developmental pathway from apes to humans. Hibernating Turtles: Question to the evolutionist: What happened to the first turtles that fell asleep hibernating underwater? SHOW UPDATE Of Mice and Men: Whereas evolutionists used a very superficial claim of chimpanzee and human genetic similarity as evidence of a close relationship, mice and men are pretty close also. From the Human Genome Project, How closely related are mice and humans?, "Mice and humans (indeed, most or all mammals including dogs, cats, rabbits, monkeys, and apes) have roughly the same number of nucleotides in their genomes -- about 3 billion base pairs. This comparable DNA content implies that all mammals [RSR: like roundworms :)] contain more or less the same number of genes, and indeed our work and the work of many others have provided evidence to confirm that notion. I know of only a few cases in which no mouse counterpart can be found for a particular human gene, and for the most part we see essentially a one-to-one correspondence between genes in the two species." * Related RSR Reports: See our reports on the fascinating DNA sequencing results from roundworms and the chimpanzee's Y chromosome! * Genetic Bottleneck, etc: Here's an excerpt from rsr.org/why-was-canaan-cursed... A prediction about the worldwide distribution of human genetic sequencing (see below) is an outgrowth of the Bible study at that same link (aka rsr.org/canaan), in that scientists will discover a genetic pattern resulting from not three but four sons of Noah's wife. Relevant information comes also from mitochondrial DNA (mtDNA) which is not part of any of our 46 chromosomes but resides outside of the nucleus. Consider first some genetic information about Jews and Arabs, Jewish priests, Eve, and Noah. Jews and Arabs Biblical Ancestry: Dr. Jonathan Sarfati quotes the director of the Human Genetics Program at New York University School of Medicine, Dr. Harry Ostrer, who in 2000 said: Jews and Arabs are all really children of Abraham … And all have preserved their Middle Eastern genetic roots over 4,000 years. This familiar pattern, of the latest science corroborating biblical history, continues in Dr. Sarfati's article, Genesis correctly predicts Y-Chromosome pattern: Jews and Arabs shown to be descendants of one man. Jewish Priests Share Genetic Marker: The journal Nature in its scientific correspondence published, Y Chromosomes of Jewish Priests, by scie

Summary:  Every industry has its trailblazers, but true innovation goes beyond just patents and profits. Today's guest understands that collaboration and flexibility aren't just ideals—they're essential to creating safer, smarter technologies that drive progress across an entire ecosystem. Frantz Saintellemy is the CEO of LeddarTech, an automotive ADAS and autonomous driving software company, trading under the symbol LDTC. As an engineer, innovator, and internationally recognized expert in advanced technology, Frantz brings over 25 years of experience in the electronics and automotive sectors. Frantz is the co-founder of Groupe 3737, an incubator and innovation hub, and previously served as VP and General Manager of the Automotive and Industrial Division at Integrated Device Technology. His remarkable career includes roles as President and Executive VP of Global Sales and Marketing at ZMDI AG, a global supplier of automotive and industrial sensor solutions, and as CTO and Corporate VP of Technical Marketing and Advanced Engineering at Future Electronics. A graduate of the MIT Sloan Engineering Fellows Program on Innovations and Global Leadership with a degree in electrical engineering from Northeastern and an MBA from McGill, Frantz's expertise has a firm academic foundation. And, in 2021, he was appointed Chancellor of the University of Montreal, underscoring his commitment to both innovation and education. In this episode, we explore LeddarTech's approach to innovation and IP, how LeddarTech's technology is differentiated, and what the future of autonomous driving looks like for all of us.  Highlights:LeddarTech's background and how their software works (3:32)Common automobile safety problems and what software can do to help (7:46)LeddarTech's target audience (10:52)How LeddarTech protects their software innovations through IP (14:00)Frantz's perspective on market competition (15:52)AI incorporation and current software developments (19:06)Common misconceptions about ADAS safety systems (20:40)Frantz's outlook on short-term developments in automotive technology (22:20)Future goals for LeddarTech (25:04) Links:Frantz Saintellemy on LinkedInLeddarTech on LinkedInLeddarTech WebsiteICR LinkedIn ICR TwitterICR Website Feedback:If you have questions about the show, or have a topic in mind you'd like discussed in future episodes, email our producer, marion@lowerstreet.co.

In this comprehensive episode of Finding Financial Freedom with The Frugal Physician, Dr. Disha Spath hosts Travis Hornsby, founder and CEO of Student Loan Planner, to explore the current landscape of student loans and repayment strategies for high-debt professionals. With over $800 million in student loans consulted on, Travis is an authority on loan repayment and shares crucial insights on navigating Public Service Loan Forgiveness (PSLF), recent policy changes, and strategies for repayment that every physician, professional, and student loan borrower needs to know. Discover how changes in student loan policies under the Trump, Obama, and Biden administrations have reshaped the repayment landscape and what potential policy shifts could mean for borrowers in the coming years. Travis also discusses methods to optimize PSLF eligibility, the pros and cons of refinancing, and the best strategies for long-term financial freedom despite student loan debt. Key Topics Covered: Travis Hornsby's Journey & Student Loan Planner's Mission Travis's background in finance and bond trading at Vanguard, his journey to starting Student Loan Planner, and why he's dedicated his career to helping borrowers navigate complex student loan systems. Public Service Loan Forgiveness (PSLF): From Inception to Transformation How PSLF has evolved since its inception in 2007, including challenges under the Trump administration and impactful changes introduced by President Biden. Changes in Income-Driven Repayment (IDR) Plans Overview of the original income-driven repayment options (PAYE, REPAYE, IBR, ICR) and how Biden's new SAVE plan replaced REPAYE with enhanced interest subsidies. Potential Pitfalls & Common Mistakes in Repayment Plans How to avoid costly missteps when selecting a repayment plan, including considerations around PSLF qualification, income certification, and timing of tax filings. Navigating Political and Legal Challenges in Student Loan Policies Insights into current legal challenges to the SAVE plan and potential impacts of future policy changes on IDR options for physicians and other borrowers. Refinancing vs. Forgiveness Travis outlines when it's beneficial to refinance your loans versus staying on a PSLF track, with practical advice for borrowers based on debt-to-income ratio and financial goals. Resources Mentioned: Student Loan Planner for calculators, tools, and professional consultations. Travis's Books: Managing Your Money in Your Twenties and Thirties and 25 is the New 65: How to Retire Outrageously Early. Listener Takeaways: Gain a better understanding of student loan repayment plans and forgiveness options. Learn the strategies for managing student loans amidst political upheaval and legal challenges. Understand when refinancing makes sense versus sticking with PSLF or other forgiveness options. Connect with Us: Host: Dr. Disha Spath, The Frugal Physician Guest: Travis Hornsby, CFA, CFP, Student Loan Planner Follow us on Instagram, Facebook, and Twitter for updates on upcoming episodes. Thank you for tuning in! Be sure to share this episode with anyone navigating student loan repayment.   This episode is sponsored by: PearsonRavitz– Helping physicians safeguard their most valuable assets.  This episode is also sponsored by FacetWealth– Discover how Facet is transforming financial planning for physicians with personalized, flat-fee financial planning—visit facet.com/frugalphysician to start building your financial future today.

Summary: Driven by pandemic restrictions and changing lifestyles, social isolation is on the rise in America. In response, many people are searching for new ways to connect and share meaningful experiences together. Bars, restaurants, and entertainment spaces have a unique opportunity to help fill this void, but too many venues leave potential markets untapped by prioritizing some aspects of their offering at the expense of others. Today's guest, however, has come up with a winning formula: a blend of thoughtful design, engaging entertainment, and stand-out dining that appeals to customers across generations and backgrounds.Today we sit down with Dale Schwartz, the founder and CEO of the bowling and bocce restaurant Pinstripes, which trades under the symbol PNST. Prior to Pinstripes, Dale was co-Founder and co-CEO of natural pharmacy retailer Pharmaca Integrative Pharmacy, CEO of Infigen, Inc., and CFO of Ribozyme Pharmaceuticals, Inc.Earlier in his career, he was a principal at Odyssey Partners, a private partnership specializing in leveraged buyouts, venture capital, and recapitalizations. He got is start as an analyst in Morgan Stanley's M&A group, attended Colgate University, and holds an MBA from Harvard Business School. In this episode, Dale talks us through Pinstripes' unique approach to experience curation, their considerations when it comes to real estate, and discusses their plans for domestic growth and international expansion.Highlights:Pinstripes' story and background (3:05)How Pinstripes got its name (4:10)Dan's outlook on the early days in the dining and entertainment industry (5:02)Pinstripes' interior design and the importance of atmosphere (6:33)Pinstripes' menu, and finding balance between food and entertainment (8:57)How Dale chooses new locations for Pinstripes (10:27)Pinstripes economic model for food, drink, and entertainment (12:16)Dale's outlook on the private event space (14:17)Growth and expansion goals (15:25)Dale discusses the influence landlord incentives have on costs and returns (18:08)Potential for international expansion (20:00)Dale's approach to the current macro environment and rising costs (21:40)What future success looks like for Pinstripes (23:46)Links:Pinstripes on LinkedInPinstripes WebsiteICR LinkedInICR TwitterICR WebsiteFeedback:If you have questions about the show, or have a topic in mind you'd like discussed in future episodes, email our producer, marion@lowerstreet.co.

Summary:  There's a growing call for clean energy solutions in America, and our guest today is ready to answer it. With an unpredictable geopolitical landscape and US lithium demands projected to skyrocket over 500% by 2030, now is the time for American innovation in the outdated lithium refinement industry. Today's guest is leading this charge, modernizing an industry long overdue for and upgrade with a commitment to environmental responsibility and smarter, sustainable practices. Roshan Pujari is the founder and CEO of Stardust Power, a sustainability-focused, American developer of battery grade lithium resources, which lists on the NASDAQ stock exchange under the symbol SDST. Currently, the company is focused on building 'the U.S.'s largest battery-grade lithium refinery' in Muskogee, Oklahoma, which is expected to process up to 50,000 metric tons of lithium annually (enough to power almost five million electric vehicle (EV) batteries every year). Previously serving as founder and CEO of VIKASA Capital, Roshan brought over 20 years of experience in market analysis with him to Stardust. He is a recognized investor and philanthropist, and is chairman of the Pujari foundation, a 501(c)(3) educational organization promoting arts, culture, education, and community around the globe.  In this episode, Roshan discusses the strategic advantages of the location chosen for their Oklahoma refinery, and outlines the sustainable practices, including the use of recycled wastewater from oil and gas production, at the core of Stardust's business model.  Highlights:Roshan's path to the energy industry (3:00)Stardust Power's Oklahoma refinery project (4:15)Roshan describes the lithium supply chain (5:21)What are the advantages to keeping lithium production domestic? (7:22)Roshan describes the strategic advantages of building the refinery in Oklahoma (9:28)How do legacy methods of lithium production harm the environment? (11:52)Roshan reflects on potential impacts of the upcoming US election to the industry (13:26)Where is the electric vehicle industry likely headed? (15:04)The expertise of Stardust Power's leadership team (16:45)Taking Stardust Power public (18:23)Limiting technology risk in the supply chain (20:15)Roshan's vision for Stardust's future (22:03) Links:Roshan Pujari on LinkedInStardust Power on LinkedInStardust Power WebsiteICR LinkedInICR TwitterICR Website Feedback:If you have questions about the show, or have a topic in mind you'd like discussed in future episodes, email our producer, marion@lowerstreet.co.

Summary:  On October 22, the CDC reported that an outbreak of E. coli infections was connected to McDonald's Quarter Pounder hamburgers, leading to recalls of their quarter pound beef patties and fresh slivered onions from supplier Taylor Farms in several states. This outbreak has spotlighted the importance of food safety for restaurants and food services companies and has reminded us of an interview from earlier this year with food safety expert, and CEO & Founder of PathSpot, Christine Schindler. This is a timely episode and, whether you caught it when it originally aired or are listening now for the first time, one you won't want to miss. In an industry booming with customer-focused innovations, it's crucial not to overlook the backbone of an enterprise. Today's guest created a groundbreaking technology that prioritizes health and safety for both customers and in-house staff and is a critical asset for hospitality businesses as a whole.  We're sitting down with Christine Schindler, who is CEO and co-founder of PathSpot, a technology company dedicated to protecting businesses and their customers from the threat of food borne illnesses and outbreaks. An engineer and entrepreneur who is passionate about utilizing technology to overcome gaps in healthcare, Christine invented PathSpot's hand scanner in 2017, following a transformative educational trip to Mount Kilimanjaro. The scanner instantly detects carriers of harmful contamination commonly spread through poor handwashing. PathSpot has now broadened its safety suite to include a comprehensive range of back-of-the-house digital health and safety tools that track temperature, expiration, and more.  Christine has a Bachelor of Science in Biomedical Engineering and Global Health from Duke University. Prior to founding PathSpot, she assisted with biomedical research for Engineering World Health at Mount Kilimanjaro and spent two years on the innovation and M&A team at Cigna. In addition to PathSpot, Christine is Founder and CEO at Girls Engineering Change, a non-profit focused on increasing female representation in STEM. She was also featured in Forbes 30 Under 30 in 2021 and Hospitality Technology's Top Women in Restaurant Technology in 2023. Highlights: ·       Christine's background in healthcare and public health (4:30)·       Christine describes the entrepreneurial influence that motivated her (5:30)·       The a-ha moment for PathSpot's hand scanner technology (6:20)·       How the hand scanner technology works (8:12)·       How PathSpot found and targeted their audience (9:22)·       Brands that PathSpot works with (10:24)·       Christine describes PathSpot's safety suite of services and data platform (11:30) ·       The pandemic's impact on PathSpot's newly founded business (13:01)·       PathSpot's economic model (14:29)·       How PathSpot uses their data bank as an ROI feature for businesses (15:36)·       Christine explains the data PathSpot technology detects, and how businesses can utilize it (17:17)·       How PathSpot maintains legal regulation and brand compliance (20:07)·       PathSpot's areas of focus for the new year (21:23)·       Christine's perspective on the society's mindset on health and safety conditions, post-COVID (22:03)·       PathSpot's goals and trajectory over the next 10 years (23:13)  Links:Christine Schindler on LinkedInPathSpot on LinkedInPathSpot WebsiteICR LinkedInICR TwitterICR Website Feedback:If you have questions about the show, or have a topic in mind you'd like discussed in future episodes, email our producer, marion@lowerstreet.co.  

Dr. Randy Guliuzza returns to "Changing the Narrative" with David Rives for an in-depth discussion on scientific hypotheses and intelligent design. Together, they explore how ICR is advancing a groundbreaking theory to support the evidence of creation, demonstrating how the scientific method can indeed point to a Creator. Don't miss this fascinating look into the intersection of science and faith!

The SAVE lawsuit hearing did NOT go well for borrowers. What happens if SAVE was ruled to be unconstitutional along with the ICR statute? In this episode, we will share more about the challenges the SAVE plan is facing and what borrowers should consider up ahead. Key moments include 01:30 What are the current SAVE lawsuits? 04:50 Student loan uncertainty causing statute confusion 12:35 SAVE plan forbearance considerations 17:38 PSLF real talk and how it is limited to certain groups 21:15 How politicians see student loan repayment plans 22:10 What borrowers should consider up ahead   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning   Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

Summary: Last week, we welcomed Sandra Campos back to the show to discuss her new role as CEO of PetMed Express, and her vision for the company's future. This week, we're revisiting our previous interview with Sandra, where we unpacked the career trajectory that set the stage for her leadership at PetMeds today. If you missed it the first time, this conversation is a must-listen. The fashion industry is powered by the sometimes differing perspectives of artistic entrepreneurs and business executives. It takes an intuitive and bold business innovator to merge those visions, and lead brands into the future.  On this episode we sit down with Sandra Campos, a board member, three time CEO and two-time entrepreneur and advisor. Throughout her career, she's built global lifestyle brands, and she's been instrumental in turnarounds, digital transformations, and innovative marketing campaigns, as well as international expansion as a technology-focused operator.  She's the only independent board director at Fabric, a modular and headless commerce solution. She's also a board member at Private Equity-backed Daniels Jewelers, and Big Lots. Her retail career has included being CEO of Diane Von Furstenberg, president of a portfolio of billion dollar contemporary brands, including Juicy Couture, and Division President at Oscar de la Renta. As an entrepreneur, she created the first teen celebrity brand management company in partnership with fellow Latina, Selena Gomez. Together, they launched Gomez's first lifestyle brand 'Dream out Loud'. Sandra is an advocate for Latinos, and recently launched Latina Disruptors, an event highlighting and honoring entrepreneurs. She has received numerous awards, including Top 100 Latina Leaders by Latina Magazine; ALP'S most powerful Latina 2020 to 2022; Top Women in Retail and 2019 Top Leaders in Business, by Hispanic Executive Magazine. Highlights:Upbringing and entrepreneurial background (3:23)How Sandra was introduced to retail and fashion (5:20)Sandra's business mindset (7:44)Her first CEO role (8:44)Bringing together creative and business mindsets (10:18)Recent transformation in the retail industry (12:53)Sandra's partnership with Selena Gomez (15:13)Finding the right role in the fashion industry (17:50)Working on a Board of Directors (19:06)Sandra's experience working in a male-dominated and less culturally-diverse industry (23:16)Her new role with Fabric and Daniel's Jewelers (24:46)Latina visibility in the workforce (27:56) Links:ICR TwitterICR LinkedInICR WebsiteSandra Campos on LinkedInFabric on LinkedInFabric Website Feedback:If you have questions about the show, or have a topic in mind you'd like discussed in future episodes, email our producer, marion@lowerstreet.co.

Summary: Periods of transition often come with uncertainty, but they also offer a chance for businesses to innovate and refine their direction. Under the right leadership, companies can seize these opportunities to reevaluate objectives and implement fresh strategies, finding new alignment with the core values of their customers. At PetMed Express, that leadership takes the form of CEO Sandra Campos.Sandra is now a two-time guest on the podcast, and, as of this past April, the president and CEO of PetMed Express (Nasdaq: PETS).Already a three-time CEO prior to joining PetMeds, Sandra recently served in the role at DVF (Diane von Furstenberg) a global luxury fashion brand. She has held leadership roles at apparel companies Polo Ralph Lauren and Nautica International, and is the former co-president of women's apparel at Global Brands Group Holding Limited, a branded apparel, footwear, and brand management company that included labels like Juicy Couture, Bebe, and BCBG, among others. Sandra is the founder of Fashion Launchpad, a continuing education platform for retail and fashion professionals, and created Dream Out Loud in partnership with Selena Gomez, the first teen celebrity brand management company. Sandra is a board member for Big Lots, Daniel's Jewelers, Fabric (a modular commerce solution), and advertising services company PureRED since 2023. She has also served on the board of the national non-profit Girls, Inc. and is a Director of the Latino Corporate Directors Association. In this episode, Sandra talks us through the strategic decisions she's made since joining PetMeds Express as CEO, and where she anticipates the company heading.Highlights:How Sandra came to the opportunity at PedMed Express (3:39)PedMeds' mission and audience (4:34)How Sandra's previous work influences her role and personal goals for the company (6:02)Sandra's approach to realigning the business (7:14)How Sandra has organized senior management and company structure (8:44)What distinguishes PedMeds from their competition (11:10)PetMeds' customer base and economic model (12:15)How PedMeds balances their subscription service with private product development (13:00)Current product lines of focus (14:09)How the current macro environment is impacting pet owners and the pet industry (15:12)Sandra shares insights on customer retention strategies (16:50)PetMeds' approach to innovation and a look inside product development (18:09)Sandra discusses PetMeds' advisory board and collaboration with pet healthcare professionals (19:28)The role of technology at PedMeds and in the pet industry (21:28)Sandra describes the long-term goals for PedMeds (24:02)Links:Sandra Campos on LinkedInPetMeds on LinkedInPetMeds WebsiteICR LinkedInICR TwitterICR WebsiteFeedback:If you have questions about the show, or have a topic in mind you'd like discussed in future episodes, email our producer, marion@lowerstreet.co.