Podcasts about incentives

JVL and Catherine Rampell (filling in for Sarah) dig into the latest Epstein revelations and what they expose about the darker, unsteady corners of the GOP. The conversation traces how a party already splintering under internal contradictions keeps getting dragged into fresh scandals, bad actors, and self-inflicted wounds.

Send us a textStories change the way we work, but meetings change what we do next. That belief runs through our conversation with Sarah Braley (aka Sally), managing editor at Northstar Meetings Group and a veteran journalist whose passport and notebook have shaped how planners think about destinations, incentives and experience design. We trace Sally's path from early magazine days to becoming a trusted voice at Meetings & Conventions and Incentive, and we explore how the shift from monthly issues to daily digital reporting transformed the job—and the industry.Sally breaks down why experience design matters more than ever, offering practical ways to build programs that engage attention, respect budgets and deliver outcomes attendees can use. We dive into inclusive F&B strategies, from allergy-aware registration to vegetarian-first menus that improve quality and reduce waste. She also makes a compelling case for rethinking destination strategy: while mega-conventions draw headlines, most gatherings host under 100 people, and smaller cities like Burlington, Toledo and Knoxville can deliver outsized impact with walkability, character, and value. For incentive travel, bucket list markets such as Australia and New Zealand still shine when authenticity and access are thoughtfully planned.If you work in PR, you'll get clear guidance on what makes a pitch land: B2B relevance, access to the planner, strong visuals and a crisp angle that helps readers do their jobs better. And for editors and planners alike, Sally's on-the-ground role at Northstar events offers a rare view into how content, logistics and attendee experience feed each other.Through downturns and disruption, one truth remains: when the world shifts, people meet to solve problems. Join us to hear what's new, what works and what's next for meetings, conventions and incentives—and how to tell better stories about all three. If this conversation helped you think differently about events, subscribe, share with a colleague, and leave a quick review so others can find the show.You can connect with Sally via email at  Please take a moment to rate, review and subscribe to the Media in Minutes podcast here or anywhere you get your podcasts: https://podcasts.apple.com/us/podcast/media-in-minutes/id1555710662 

Join economist Dr. Orphe Divounguy and Chris Krug as they discuss home builder incentives on this episode of Everyday Economics! Everyday Economics is an unrehearsed, free-flow discussion of the economic news shaping the day. The thoughts expressed by the hosts are theirs, unedited, and not necessarily the views of their respective organizations. Support this podcast: https://secure.anedot.com/franklin-news-foundation/ce052532-b1e4-41c4-945c-d7ce2f52c38a?source_code=xxxxxx Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

What if every crown, implant, or veneer you placed didn't just build smiles—but built wealth? In this episode, Dr. Len Tau sits down with innovators Max Zanan and Adam Marburger of Dental Protection Group to reveal how dentists can turn warranties into a new revenue stream. They're showing why protecting your patients' dental work can also protect—and grow—your financial future. They explain how this simple yet powerful concept—borrowed from the automotive industry—offers dentists a way to increase patient trust, improve case acceptance, and build long-term wealth through profit-sharing warranty programs. Max and Adam share how their model allows dentists to turn warranties into wealth-building vehicles, all while protecting patients and creating a new stream of passive income in a tax-advantaged environment. They also discuss how to get your team on board, how to present warranties to patients, and why this model is changing how entrepreneurial dentists think about their businesses. You'll learn: Warranties Build Trust: Patients already value protection plans in every purchase—offering one in dentistry creates instant credibility and peace of mind. Wealth Through Risk Transfer: Unlike goodwill replacements, Dental Protection Group's model lets dentists transfer risk and receive compensation when failures occur. Profit Sharing Opportunity: Money left over from unclaimed warranties is returned to the practice, compounding over time like a "401(k) on steroids." Team Buy-In Is Key: Success depends on making warranties part of the practice culture—presented as a standard part of every procedure, not an upsell. Entrepreneurial Dentistry: The program empowers dentists to generate long-term, tax-friendly income, fund growth, or even retire earlier.   Key Takeaways 00:44 Introduction and Event Highlights 02:30 Meet the Dental Protection Group 04:35 Understanding Dental Warranties 06:00 The Value of Warranties in Dentistry 06:40 Warranties as a Consumer Expectation 10:40 Differentiating Warranties from Goodwill 12:50 The Financial Benefits of True Warranties 14:40 Wealth Building through Warranties 16:01 Creating Generational Wealth in Dentistry 17:40 Implementing Warranties in Practice 20:55 The Culture of Warranties in Dental Practices 22:52 The Perfect Scenario for Implementation 28:00 Handling Patient Objections 30:44 Team Buy-In and Incentives 31:35 Quick Onboarding Process 32:35 Transferability of Warranties 37:37 Final Thoughts and Opportunities   — Connect with Max and Adam Visit DentalProtectionGroup.com to schedule a consultation with Max and Adam.

Josh Young, Portfolio Manager at Bison interests, and Tracy Shuchart, Founder/CEO and Chief Market Strategist, at Hilltower Resource Advisors, stop by the Energy News Beat and Energy Impacts Podcasts - With Stu Turley for an in-depth look at the global oil and gas financial markets. Highlights of the Podcast00:00 – Opening & Guest Introductions02:32 – AI Boom vs. Power Shortage07:18 – AI Hype vs. Energy Reality11:42 – Nuclear Reality Check16:03 – Coal's Comeback18:02 – Natural Gas Outlook21:15 – Pipeline Bottlenecks & Permitting Trouble24:33 – Chevron Entering Data Center Power25:19 – Pipeline Twinning Not As Easy As It Sounds28:08 – Geopolitics Ignored by the Market33:24 – Demand: Stronger Than Narratives Suggest37:05 – Sanctions, “Kinetic Sanctions,” & Enforcement Reality42:31 – Dollar Weaponization, Gold Buying, & the Milkshake Theory49:52 – Commodities Rotation & Energy Lag55:11 – Propaganda & the Climate Narrative01:01:21 – Pendulum Swings & Hope for Middle Ground01:02:50 – Utility Mismanagement & Decentralization01:05:04 – Will Democrats Blame Republicans for High Power Prices?01:06:10 – Government Control, Incentives & Rate Failures01:09:59 – Tracy on Fox Business: Uranium Bottleneck01:22:35 – Closing Thoughts & Market Outlook

Patrick McKenzie (patio11) reads his essay on title insurance, a service designed to never be performed with a "laughably low" 5% loss ratio compared to 50-80% for almost all types of insurance. The typical American moves every seven to eight years, paying a $500 annual tax for basically no good or service. This is due to a quirk about how America records real estate ownership: it mostly doesn't. Confused? Welcome to the joyous anarchy that is American real estate.–Full transcript available here: www.complexsystemspodcast.com/the-4-000-insurance-policy-designed-to-never-pay-out/–Sponsor: Framer is a design and publishing platform that collapses the toolchain between wireframes and production-ready websites. Design, iterate, and publish in one workspace. Start free at framer.com/design with code COMPLEXSYSTEMS for a free month of Framer Pro.–Links:Bits about Money, Working title (insurance) https://www.bitsaboutmoney.com/archive/working-title-insurance/–Timestamps:(00:00) Intro(01:59) What is "title," anyway?(02:48) Distributed versus centralized database design in property rights(04:50) A quick digression for privacy-minded buyers(08:21) High confidence and complete confidence are different(11:28) Title insurance and title searches(14:33) One very quirky risk transfer and a statistical artifact(19:14) How title insurance is sold(20:03) Sponsor: Framer(21:34) How title insurance is sold (cont'd)(23:36) Is there anything to be done here?(25:47) Potential innovations in title insurance

Could removing incentives for buying electric vehicles stop you buying one?Journalists Jonathan Dimbleby and Peter Oborne take listeners' calls on the war in Gaza and on Palestine's future.

Medical coder Zoe Smith exposes how hospitals turned death into profit—paid bonuses for fake COVID diagnoses, remdesivir use, and ventilator deaths.Money should have intrinsic value AND transactional privacy: Go to https://davidknight.gold/ for great deals on physical gold/silverFor 10% off Gerald Celente's prescient Trends Journal, go to https://trendsjournal.com/ and enter the code KNIGHTFind out more about the show and where you can watch it at TheDavidKnightShow.comIf you would like to support the show and our family please consider subscribing monthly here: SubscribeStar https://www.subscribestar.com/the-david-knight-showOr you can send a donation through Mail: David Knight POB 994 Kodak, TN 37764Zelle: @DavidKnightShow@protonmail.comCash App at: $davidknightshowBTC to: bc1qkuec29hkuye4xse9unh7nptvu3y9qmv24vanh7Become a supporter of this podcast: https://www.spreaker.com/podcast/the-david-knight-show--2653468/support.

Medical coder Zoe Smith exposes how hospitals turned death into profit—paid bonuses for fake COVID diagnoses, remdesivir use, and ventilator deaths.Money should have intrinsic value AND transactional privacy: Go to https://davidknight.gold/ for great deals on physical gold/silverFor 10% off Gerald Celente's prescient Trends Journal, go to https://trendsjournal.com/ and enter the code KNIGHTFind out more about the show and where you can watch it at TheDavidKnightShow.comIf you would like to support the show and our family please consider subscribing monthly here: SubscribeStar https://www.subscribestar.com/the-david-knight-showOr you can send a donation through Mail: David Knight POB 994 Kodak, TN 37764Zelle: @DavidKnightShow@protonmail.comCash App at: $davidknightshowBTC to: bc1qkuec29hkuye4xse9unh7nptvu3y9qmv24vanh7Become a supporter of this podcast: https://www.spreaker.com/podcast/the-real-david-knight-show--5282736/support.

This conversation explores the future of Web3 education, focusing on the innovative approaches taken by Olympus Insights and their Olli education platform. With nearly 90,000 students enrolled, the platform leverages AI to provide personalized learning experiences and aims to bridge the knowledge gap in the crypto space. The discussion highlights the importance of community engagement, global outreach, and the incentives offered to learners and content creators. The conversation also touches on the recent Asia trip, showcasing the platform's growth and future aspirations in the blockchain education sector.TakeawaysOlympus Insights is an AI and blockchain edtech company.The Olli education platform offers over 170 free lessons.AI tutors provide personalized learning experiences.Education is crucial for understanding the crypto ecosystem.The platform has nearly 90,000 students enrolled.Community engagement is vital for global outreach.Incentives like learn-to-earn encourage participation.The platform aims to onboard the next billion users.Education in blockchain needs to be accessible and engaging.The future of education will integrate AI and blockchain technologies.Chapters00:00 The Future of Web Three Education02:57 AI and the Role of Tutors06:04 Understanding Crypto Education08:54 Global Community Engagement and Impact11:54 Highlights from Asia Trip and Future Plans12:20 The Singapore Experience: Networking and Insights16:49 Incentives and the Learn-to-Earn Model19:18 Future of Education in Blockchain22:29 Onboarding the Next Billion UsersDISCLAIMER: This content is for informational and educational purposes only and is not financial, investment, or legal advice. I am not affiliated with, nor compensated by, the project discussed—no tokens, payments, or incentives received. I do not hold a stake in the project, including private or future allocations. All views are my own, based on public information. Always do your own research and consult a licensed advisor before investing. Crypto investments carry high risk, and past performance is no guarantee of future results. I am not responsible for any decisions you make based on this content.

Let's talk Asset Management: Episode 5 - Incentives by NRF Regulation Tomorrow Podcast

Erez Levin, a prominent figure in the Ad Tech industry known for his focus on quality joins AdTechGod on the podcast today. They discuss Erez's journey from Google to founding his advisory firm, the complexities of defining quality in marketing, and the importance of ad placement and publisher quality. The conversation dives into the incentives that drive the industry, the accountability of marketers, and the future of quality in advertising. Erez emphasizes the need for marketers to demand better effectiveness for their spend and to question the status quo in the industry. Takeaways Quality in advertising is a range, not a binary. Marketing should be viewed as a cloud science, not a clock science. Investing in quality controls can yield significant benefits. The buy side has commoditized media, leading to a race to the bottom. Quality media will be increasingly valued in the future. Marketers create the incentives that drive quality in advertising. Don't let perfect be the enemy of the good when it comes to quality controls. The long tail of publishers will likely become commoditized. Trust your gut and question the consensus in the industry. Quality is ultimately determined by effectiveness in advertising. Chapters 00:00 Introduction to Quality in Ad Tech 01:13 Erez Levin's Journey in Ad Tech 03:08 Understanding Quality in Marketing 05:52 The Importance of Ad Placement 08:59 The Role of Marketers in Quality Control 12:25 Incentives and Accountability in Advertising 16:12 The Future of Quality Media 19:17 Decommodization of Media 21:49 Lessons from Emet Advisory Learn more about your ad choices. Visit megaphone.fm/adchoices

Making Belief Practical—From Hiring to Customer Experience Introduction: In Part 2, we get into the how. Matt walks through what belief looks like in action—from hiring people who align with your culture, to defining values in ways people can actually use, to building customer experiences that transform relationships. This is packed with real stories from Apple, Nordstrom, and other brands that got it right, plus Matt's CADET framework that changes how you think about every interaction. Summary: We tackle the practical side of building belief-driven cultures. Matt shares how to hire for cultural fit and belief (not just skills), and walks through his experience scaling Apple retail from 10,000 to 25,000 employees without losing their DNA. We dig into why values are meaningless without tangible definitions, the power of storytelling in creating shared understanding, and the CADET framework for customer experience. Matt also explains why incentives must align with desired behaviors, using real examples of what happens when they don't. Key Highlights: Apple hired for people who loved the brand and wanted to serve, not for product expertise—then trained them Values need tangible definitions: what does "kindness" look like, sound like, feel like in your specific organization? The CADET framework: Connect, Assess, Deliver, Exceed, Transform—and why you can't skip steps Incentives and behaviors must align, or your culture breaks down (the e-commerce returns example) Key Takeaways: Hire for belief, train for skill. Look for alignment with your mission and values first, then build competence. Define your values in observable terms. Don't just say "kindness"—describe what it looks like in action and what it doesn't look like. Use storytelling to build culture. Get your team to share transformational experiences, then identify the common threads. Deliver flawlessly before trying to exceed. Master the basics (stated needs) before attempting to wow people with extras. Remove barriers to desired behaviors. If you want certain actions, make sure your incentive structure supports them, not fights them. Next Steps for Listeners: Pick one of your company values. Can you describe it in specific, observable terms? If not, gather your team and define it together using stories. Review your last few hires. Did you prioritize skills or cultural alignment? What would change if belief came first? Walk through a customer or employee experience using CADET. Where are you trying to "exceed" before you've "delivered"? Connect with Matt on LinkedIn.

https://www.linkedin.com/in/christophkarger/https://www.linkedin.com/company/gotonetworkhttps://www.linkedin.com/in/breitinger/Summary (AI) In dieser Episode von Go To Network spricht Christoph Karger mit Max Breitinger über die Zukunft von Customer Centricity, Automatisierung und Sales Prozessen – und warum viele Unternehmen zwar digitalisieren, aber dabei den Kunden aus dem Blick verlieren. Max verantwortet als Global Process Owner bei Cosmo Consult die Digitalisierung der Customer Journey – und erklärt, warum Technologie, KPIs und AI nie den menschlichen Faktor ersetzen dürfen. Im Gespräch geht es um die unbequeme Wahrheit: Viele Sales‑Teams designen ihre Prozesse, als wären sie für sich selbst – nicht für den Kunden. Christoph und Max sprechen über Anreizstrukturen, die kurzfristige Deals fördern, aber langfristige Kundenbeziehungen verhindern, über den richtigen Einsatz von KI im Sales und darüber, wie Customer Success zur echten Growth Engine wird. Eine Folge für alle, die Sales nicht weiter automatisieren – sondern besser machen wollen. Takeaways Nicht jeder Deal muss gewonnen werden – nur die richtigen.Kurzfristige Abschlüsse schaden, wenn Kunden danach churnen.Customer Success ist keine Service‑, sondern eine Wachstumsrolle.Zu viele Touchpoints verwirren den Kunden – weniger ist mehr.Incentives müssen langfristigen Erfolg belohnen, nicht Volumen.Digitalisierung und AI sind Werkzeuge, keine Entscheider.Gute Automatisierung entlastet – schlechte entfernt den Menschen.Sales braucht Frameworks statt starre Prozesse.Die beste Pipeline ist Teamsport – Sales und CS gehören zusammen.Der Kunde steht nicht im Prozess – er ist der Prozess. Sound Bites „Nicht jeder Deal muss gewonnen werden – nur die richtigen.“ „Customer Success ist kein Therapieplatz für Probleme aus dem Sales.“ „Wir bauen Prozesse für uns, nicht für unsere Kunden – das ist das Problem.“ „Digitalisierung ohne Empathie ist nur Automatisierung.“ „Sales braucht mehr Menschenverstand – nicht mehr Tools.“ „Frameworks geben Freiheit – Prozesse nehmen sie.“ „Der beste Automatisierungs‑Trigger ist immer noch gesunder Menschenverstand.“ „Customer Success entscheidet, ob Umsatz bleibt oder geht.“ „AI kann Daten lesen, aber keine Kunden verstehen.“ „Der Kunde ist König – aber nicht immer im Recht.“ Chapters 00:00 Begrüßung – vom Running Gag zur echten Folge 01:20 Was macht Max Breitinger eigentlich – und warum Customer Centricity mehr ist als ein Buzzword 03:30 Die unbequeme Wahrheit im Sales – nicht jeder Deal muss gewonnen werden 05:30 Kurzfristige Incentives und ihre Nebenwirkungen 07:40 Warum Customer Success die entscheidende Rolle für Wachstum ist 10:20 Zu viele Touchpoints – wie wir Kunden im Prozess verlieren 13:30 Customer Journey Design – Ideale Prozesse gibt es nicht 16:00 Die neue Rolle von SDRs – Awareness statt Cold Calls 20:00 Was Automatisierung leisten kann – und wo sie aufhören muss 26:00 Digitalisierung vs. Persönlichkeit – das Spannungsfeld im Sales 30:00 Warum der Mensch immer die letzte Entscheidung treffen sollte 35:00 Frameworks statt Prozesse – Freiheit für gute Seller 38:00 Pipeline ist Teamsport – Sales und CS müssen zusammen arbeiten 41:00 AI als Werkzeug für Effizienz und Relevanz 44:00 „Der Kunde ist König – aber nicht immer im Recht.“ 46:20 Wo du mehr von Max findest – LinkedIn

Join our champion program: mark@themomentumcompany.comAttend a Thriving Leader event: https://www.themomentumcompany.com/thrivingleader2026Instagram: @the.momentum.companyLinkedIn: /momentum-companyIn this episode, Mark Jewell sits down with veteran sales strategist Ken Pieh, a man with nearly four decades of experience transforming sales organizations—from Medtronic to fast-growing startups—through better incentive design.Ken shares real-world stories of how one small med-tech company went from $30 million to $200 million in revenue by overhauling its compensation model. He breaks down why most sales incentive plans unintentionally reward the wrong behaviors, and how to fix that before it costs you your best people.This is an episode every CEO, VP of Sales, and sales manager in agribusiness needs to hear. If your incentive plan doesn't align with your culture, goals, and leadership vision—you're probably burning money and morale.Key Takeaways:

In this episode we answer emails from Dave, Isaiah, and Ian.  We discuss back-testing tools, revisit UPRO and leverage from the last episode, the inherent biases and incentives for retail financial advisors to recommend underspending and using underspending plans larded with window dressings, and revisit a limited 401k and a retirement scenario from Episodes 420 and 444.And THEN we our go through our weekly portfolio reviews of the eight sample portfolios you can find at Portfolios | Risk Parity Radio.Additional links:Father McKenna Center Donation Page:  Donate - Father McKenna CenterPortfolio Visualizer Backtester:  Backtest Portfolio Asset AllocationTestfolio Backtester:  testfol.ioBreathless Unedited AI-Bot Summary:Think your withdrawal rate is just a number? We dig into why the path matters more than the headline, showing how 0%, 3%, and 6% withdrawals change resilience without altering which portfolios dominate across different eras. Then we pull apart the leverage mirage: why 3x S&P funds can look unbeatable in calm runs yet suffer brutal volatility drag and catastrophic left tails when the decade turns against you. The goal isn't fear—it's sizing risk so you don't bet your future on luck.We also wade into the psychology of advice. Even fee-only planners face incentives to keep clients underspending, leaning on cash-heavy buckets, retirement “paychecks,” and tidy jargon that soothes but often costs performance. If you're wired for DIY, you'll appreciate a finance-first approach: let evidence drive the allocation, not marketing hooks. We contrast retail comfort with institutional discipline and offer a practical way to align your plan with the results you actually want.For listeners wrestling with constrained 401k menus, we map out how to approximate risk parity using the levers that matter most: low-cost stock and core bond indexes, selective value tilts, and tax-aware placement. We touch Roth versus traditional choices when you're in a low bracket, how to secure your FI core, and why continuing to work a decade after reaching FI might mean it's time to spend more on life, not just accumulate more line items.We close with a sharp market rundown and performance across sample portfolios, from classic diversifiers to levered blends. If you want a clear-eyed, practical framework for withdrawals, leverage, advisor incentives, and building robust portfolios with imperfect tools, this conversation will sharpen your plan. If it resonates, follow the show, leave a review, and share it with a friend who needs a finance-first reset.Support the show

It's crunch time for real estate investors — and this is your last chance to take advantage of Rent To Retirement's biggest end-of-year incentives ever!

On today's episode, Virginia Rhodes, Partner at Meridian Compensation Partners, LLC, explains how the executive chair blends board leadership with hands-on strategy, when and why companies use the role during CEO transitions and what drives compensation decisions. She outlines how clear duties, governance alignment and communication plans support smooth transitions.Key Takeaways:00:00 Introduction.03:10 Executive chairs combine board leadership with active strategic involvement.04:22 Non-executive chairs focus on oversight and governance.06:54 Among large US companies, the executive chair role remains relatively uncommon.08:33 Stability and continuity support leadership change.10:32 Early deliberate discussion strengthens compensation planning.11:39 Incentive design aligns with responsibilities and time in role.14:38 Day-to-day involvement and CEO mentorship distinguish this role.22:12 Clear duties and communications enable effective governance.Resources:Virginia Rhodeshttps://www.linkedin.com/in/virginia-rhodes-b361251/Meridian Compensation Partners, LLChttps://www.linkedin.com/company/meridian-compensation-partners-llc/This episode is brought to you by Meridian Compensation Partners, LLC. Learn more by visiting MeridianCP.com. #Compensation #Wages #SPAC #Equity #ExecutiveCompensation #Clawback

It's crunch time for real estate investors — and this is your last chance to take advantage of Rent To Retirement's biggest end-of-year incentives ever!

Breaking out of commodity selling is now a leadership challenge - not a pricing one. In this episode, we explore how modern sales teams reframe connectivity from a cost line item into a mission-critical value driver across the Internet of Things (IoT).

Welcome to the Daily Compliance News. Each day, Tom Fox, the Voice of Compliance, brings you compliance-related stories to start your day. Sit back, enjoy a cup of morning coffee, and listen in to the Daily Compliance News. All, from the Compliance Podcast Network. Each day, we consider four stories from the business world, including compliance, ethics, risk management, leadership, or general interest, relevant to the compliance professional. Top stories include: NBA Reports to Congress on Gambling Probe. (The Athletic) Capula ex-CCO claims retaliation for whistleblowing in termination. (Bloomberg) BaFin slaps a €45 million fine on JPMorgan. (FT) Will Elon Musk really work harder for a $1 trillion pay package? (NYT) The Daily Compliance News has been honored as No. 2 in the Best Regulatory Compliance Podcasts category. Learn more about your ad choices. Visit megaphone.fm/adchoices

Patrick McKenzie (patio11) reads his Bits about Money essay on deposit insurance, explaining this critical financial infrastructure, with some thoughts on its performance during 2023. He covers what deposit insurance actually covers (and critically, what it doesn't), how fintech users often misunderstand their exposure to counterparty risk, and the anatomy of bank failures. This is infrastructure you rely on as much as electricity: ubiquitous, critical, hopefully invisible, and worth understanding before it matters again.–Full transcript available here: www.complexsystemspodcast.com/how-deposit-insurance-actually-works/–Sponsor: Framer is a design and publishing platform that collapses the toolchain between wireframes and production-ready websites. Design, iterate, and publish in one workspace. Start free at framer.com/design with code COMPLEXSYSTEMS for a free month of Framer Pro.–Links:Bits about Money, https://www.bitsaboutmoney.com/archive/deposit-insurance/ –Timestamps:(00:00) Intro(03:10) The covered peril(07:07) Anatomy of a bank failure(12:55) Keeping your bank hydrated(19:58) Sponsor: Framer(23:20) Orderly bank failures(28:25) The cost of insurance(30:15) The ultimate backstop(31:48) Deposit insurance as ubiquitous infrastructure

Are you participating in the Black Friday madness? Maybe you're on the fence about if you want to and what you want to offer…I'm here to help!We're going over the pros and cons of selling something new vs. something old and then I'm giving you 7 ideas for offers to sell AND bonuses and incentives that will push your lead over the fence.Join Grow: https://peggyrejames.com/growReady to work less and make more through a scalable business model? Enrollment is open for GROW Business & Marketing Academy - Click here to join. Connect with me on Instagram: @peggyrejames Join the community: https://www.facebook.com/groups/sixfigureshiftcommunity/

Karim Harbott: You Can't Make a Flower Grow Faster—The Oblique Approach to Shaping Culture Read the full Show Notes and search through the world's largest audio library on Agile and Scrum directly on the Scrum Master Toolbox Podcast website: http://bit.ly/SMTP_ShowNotes.   "How can I make a flower grow faster? Culture is a product of the behaviors of people in the system." - Karim Harbott   For Karim, one of the biggest challenges—and enablers—in his current work is creating a supporting culture. After years of learning what doesn't work, he's come to understand that culture isn't something you can force or mandate. Like trying to make a flower grow faster by pulling on it, direct approaches to culture change often backfire.  Instead, Karim uses what he calls the "oblique approach"—changing culture indirectly by adjusting the five levers: leadership behaviors, organizational structure, incentives, metrics, and systems. Leadership behaviors are particularly crucial.  When leaders step back and encourage ownership rather than micromanaging, teams transform. Incentives have a huge impact on how teams work—align them poorly, and you'll get exactly the wrong behaviors.  Karim references Team of Teams by General Stanley McChrystal, which demonstrates how changing organizational structure and leadership philosophy can unlock extraordinary performance. He also uses the Competing Values Framework to help leaders understand different cultural orientations and their tradeoffs. But the most important lesson? There are always unexpected consequences. Culture change requires patience, experimentation, and a willingness to observe how the system responds. You can't force a flower to grow, but you can create the conditions where it thrives.   Self-reflection Question: Are you trying to change your organization's culture directly, or are you adjusting the conditions that shape behavior?   [The Scrum Master Toolbox Podcast Recommends]

Your city just legalized “missing middle” housing in its zoning code… now what? With Memphis, Tennessee, as a case study, John Zeanah and Andre D. Jones discuss the hidden non-zoning barriers to developing small apartment buildings — and how to lower them. This is part 4 of our series on misaligned incentives in housing policy.Show notes:Zeanah, J. (2025). Beyond Zoning: Hidden Code Barriers to Middle-Scale Housing. Center for Building in North America.Garcia, D., Carlton, I., Patterson, L., Strawn, J., & Metcalf, B. (2024). Making missing middle pencil: The math behind small-scale housing development. UC Berkeley Terner Center for Housing Innovation. Zeanah, J. (2022 January 12). Memphis, TN Amends Local Building Code to Allow up to Six Units Under Residential Building Code (IRC) to Enable Missing Middle Housing. Opticos Design. 'Beyond Zoning' Abstract:In recent years, planners have made zoning reform a key priority to enable housing supply, including “missing middle” housing … This article explores the barriers beyond zoning that can hold back development of middle-scale housing. It begins with a background on why these lesser-known codes matter for housing diversity. This is followed by a case study of a project in Memphis, highlighting the non-zoning barriers posed to the development of an infill collection of cottages and small apartment buildings, and how they were overcome. Next, the article delves into specific categories of barriers, from building codes and fire safety mandates to infrastructure and local ordinances, explaining how each can impede middle-scale housing projects. Finally, it concludes with an Action Steps for Planners section, offering implementable strategies for reforming codes and coordinating across departments to unlock middle-scale housing development.

While changes to the low-income housing tax credit (LIHTC) will help address America's affordable housing shortage, there remains a significant gap to help renovate and preserve affordable rental housing'a gap that could be addressed by a proposed tax incentive that would allow nonprofit developers and property managers to raise capital from individual investors to finance those improvements. In this week's podcast, Michael Novogradac, CPA, Novogradac partner Kevin Wilson, CPA, and Peter Lawrence, Novogradac's chief public policy officer, discuss the proposal, including why there's a need, how it would work, where it is in the legislative process and how a new Novogradac working group is addressing the issue.

The award-winning Compliance into the Weeds is the only weekly podcast that takes a deep dive into a compliance-related topic, literally going into the weeds to explore a subject more fully. Seeking insightful perspectives on compliance? Look no further than Compliance into the Weeds! In this episode, Tom Fox and Matt Kelly discuss the intricacies of integrating incentives into corporate compliance programs. Matt shares insights from a recent webinar and blog posts, discussing how companies can encourage ethical behavior through executive compensation plans, performance bonuses, and other incentive schemes. The conversation explores the Justice Department's guidelines on executive compensation, the intricacies of designing these programs to align with industry-specific risks, and the implications for various levels of management. They also examine the challenges of establishing meaningful compliance metrics and striking a balance between compliance incentives and overall business objectives across multiple sectors. Key highlights: The Role of Incentives in Compliance Programs Structuring Executive Compensation for Compliance Challenges and Nuances in Incentive Programs Incentives for Different Business Models Compensation Types and Ethical Behavior Resources: Matt in Radical Compliance Tom Instagram Facebook YouTube Twitter LinkedIn A multi-award-winning podcast, Compliance into the Weeds was most recently honored as one of the Top 25 Regulatory Compliance Podcasts, a Top 10 Business Law Podcast, and a Top 12 Risk Management Podcast. Compliance into the Weeds has been honored with a Davey, Communicator, and W3 Award, all for excellence in podcasting. Learn more about your ad choices. Visit megaphone.fm/adchoices

The Institute of Internal Auditors Presents: All Things Internal Audit In this episode, Mike Jacka and Yvette Adams talk about one of the most important, and often overlooked, risk areas — human capital management. From talent shortages and upskilling to culture, fraud, and AI, they unpack how people strategy connects directly to organizational success. Hear how auditors can assess workforce risks, build better relationships with HR, and ensure that governance around both people and technology keeps pace with change. HOST: Mike Jacka, CIA, CPA Chief Creative Pilot, Flying Pig Audit, Consulting, and Training Solutions    GUEST: Yvette Adams, CIA, CRMA Senior Audit Manager, Zions Bancorporation   KEY POINTS: Introduction [00:00–00:00:39] Defining Human Capital Management [00:00:44–00:01:26] Why People Strategy Matters [00:01:26–00:01:50] Top Workforce Risks and Skill Gaps [00:02:36–00:03:37] Upskilling as a Continuous Practice [00:04:16–00:05:51] Talent Retention and Strategy Alignment [00:05:54–00:07:34] Internal Audit's Role in Talent Strategy [00:07:34–00:08:16] Building Trust with HR and Audit Clients [00:08:23–00:09:37] Hybrid Work and Relationship Building [00:10:07–00:11:03] Common HR and Payroll Frauds [00:11:51–00:13:07] AI Governance and Human Oversight [00:14:01–00:14:35] Auditing Culture, Ethics, and Engagement [00:15:04–00:16:44] Using Surveys and Exit Interviews for Insight [00:15:59–00:16:33] Emerging Workforce Risks [00:19:08–00:20:21] Balancing Technology and Humanity [00:21:02–00:21:40] Values, Incentives, and Ethical Governance [00:23:14–00:25:38] Final Thoughts [00:25:38–00:25:49] THE IIA RELATED CONTENT:  Interested in this topic? Visit the links below for more resources: 2025 RISE Virtual Conference Global Perspectives & Insights: Social/Human Capital/Culture Risk in Focus 2026 Vision 2035 Visit The IIA's website or YouTube channel for related topics and more. Follow All Things Internal Audit: Apple PodcastsSpotify LibsynDeezer

Achieving your company incentive trip is difficult. In this episode, I share with you my journey to achieving my very first incentive trip back in 2010 and what I learnt from failing to achieve it the year before.   I give you the three things that made the difference to me getting on the company trips so you can too.   Grab yourself a copy of my free download, 100 Ways to Grow Your Customer Base here https://annagreen.kartra.com/page/web-100ways    And get 104 Post Ideas to Attract Your Ideal Teamie free here https://annagreen.kartra.com/page/104-post-ideas    Find me on socials here: Facebook www.facebook.com/annagreenmentor  My Facebook Community www.facebook.com/groups/directsellingsuccesscommunity  Instagram www.instagram.com/directsellingsuccess  TikTok www.tiktok.com/@directsellingsuccess 

My guest today is Luca Ferrari. Luca is the co-founder and CEO of Bending Spoons, which he describes as 25 percent private equity and 75 percent technology company. Founded in 2013, Bending Spoons fully acquires and operates digital companies like Evernote, Meetup, Vimeo, and most recently AOL.  Our conversation explores the unique model behind Bending Spoons, and the culture required to scale it. Luca shares exactly how their acquisition playbook works – from identifying promising businesses to rebuilding every part of them across product, design, monetization, and marketing. We discuss their approach to financing long-term ownership through both debt and equity, Luca's obsession with finding and developing exceptional talent, and his decision to build the company in Europe.  I found Luca's description of himself as perennially unhappy to be the clearest window into how he builds. It's a mindset that fuels his pursuit of excellence and defines the culture at Bending Spoons. Please enjoy my conversation with Luca Ferrari. For the full show notes, transcript, and links to mentioned content, check out the episode page ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠.⁠⁠⁠⁠⁠⁠⁠⁠ ----- This episode is brought to you by⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Ramp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Ramp's mission is to help companies manage their spend in a way that reduces expenses and frees up time for teams to work on more valuable projects. Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Ramp.com/invest⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to sign up for free and get a $250 welcome bonus. – This episode is brought to you by⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ AlphaSense⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. AlphaSense has completely transformed the research process with cutting-edge AI technology and a vast collection of top-tier, reliable business content. Invest Like the Best listeners can get a free trial now at⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Alpha-Sense.com/Invest⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and experience firsthand how AlphaSense and Tegus help you make smarter decisions faster. –- This episode is brought to you by⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Ridgeline⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Ridgeline has built a complete, real-time, modern operating system for investment managers. It handles trading, portfolio management, compliance, customer reporting, and much more through an all-in-one real-time cloud platform. Head to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ridgelineapps.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to learn more about the platform. ----- Editing and post-production work for this episode was provided by The Podcast Consultant (⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://thepodcastconsultant.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠). Show Notes: (00:00:00) Welcome to Invest Like the Best (00:03:12) The Vision and Ambition (00:07:56) Challenges and Early Days (00:11:01) The Turning Point: Evertale to Bending Spoons (00:13:12) Acquisition Strategy and Growth (00:24:22) Case Study: Evernote Acquisition (00:33:34) Pricing and Valuation Insights (00:40:02) Making Competitive Offers (00:40:37) Walkaway Rate and Offer Success (00:41:14) Financing the Business (00:43:21) Lessons from Acquisitions (00:46:32) The AOL Acquisition (00:48:21) Simplifying Business Operations (00:56:10) Incentives and Motivation (00:58:31) Balancing Discontent and Growth (01:03:21) Raising Debt Capital (01:06:37) Impact of AI on Business (01:11:00) Company Culture and Traditions (01:16:00) The Kindest Thing

No more food stamps for you :: Phone given to the masses as a distraction and division tactic :: Gremlins in the machines :: Bonnie decides not to use a Ouija board :: Voluntary society as compared to forced "social contract" :: Incentives left wing politics invite homelessness into towns with :: If the US constitution WAS a contract it's null and void now that the gov has broken their end :: Taxation just social control :: Gold rush to cash in :: Gold in Fort Knox? :: Immigrants who would never get here to begin with without getting shipped here by the gov :: You shouldn't be paying taxes :: Dr. Reality podcast :: Helicopter parents :: 2025-11-01 Hosts: Bonnie, Colin, Angelo

Andrea Sporcic Klund, Director of the Missouri Film Office talking about different films shot in Missouri and the Missouri Film Tax Incentive.

Nancy Churchill examines the shifting meaning of “our democracy” and how power has become a political incentive. In her Dangerous Rhetoric column, she discusses legitimacy, accountability, and the importance of civic self-correction in a functioning republic. https://www.clarkcountytoday.com/opinion/opinion-power-is-the-incentive/ #Opinion #Democracy #Politics #NancyChurchill #DangerousRhetoric #WashingtonState #Elections #Accountability #Power #CivicResponsibility

My guest is Dr. David Fajgenbaum, MD, professor of translational medicine and human genetics at the University of Pennsylvania. He explains how, unbeknownst to most doctors, many approved medications can successfully treat or even cure diseases other than the ones they are typically used to treat. He shares his story of escaping death from Castleman's disease by discovering a life-saving treatment using repurposed drugs that were approved for other purposes. Our conversation explores how researchers, physicians, and you—the general public—can explore novel treatments and cures to conditions the medical profession has deemed untreatable, including cancers. We also discuss the crucial role of mindset in battling diseases and the lesser-known use of compounds to promote health and longevity. Read the episode show notes at hubermanlab.com. Thank you to our sponsors AGZ by AG1: https://drinkagz.com/huberman Eight Sleep: https://eightsleep.com/huberman Rorra: https://rorra.com/huberman David: https://davidprotein.com/huberman Function: https://functionhealth.com/huberman Timestamps (0:00) David Fajgenbaum (4:06) Self-Agency in Healthcare; New Uses for Old Medicines (6:44) Other Uses of Aspirin & Viagra; Drug Development & Approved Use (8:53) Lidocaine & Breast Cancer; Pharmaceutical Companies & Incentives (11:36) Sponsors: Eight Sleep & Rorra (14:16) Pharmaceutical Companies, Patents & New Uses; Lithium (18:40) Tools: Finding Reliable Health Sources, Asking Questions & Disease Organizations; DADA2 Treatment (21:53) Medical Community & Connections; Integrated Medical Databases (24:36) Drug Repurposing, Thalidomide, Pembrolizumab (28:45) Medical Research Databases, Mapping Disease Connections (33:51) Every Cure Database & Programs, Bachmann-Bupp Syndrome; Colchicine & Heart Disease (37:57) Sponsors: AGZ by AG1 & David (40:41) David's Medical & Career Journey, Glioblastoma, Castleman Disease (49:10) Autoimmune Disease, Driven Personality, Stress & Immune System (52:52) Castleman Disease, Treatment, Chemotherapy (55:54) Physician Continuing Education, Santa Claus Theory of Civilization; Science Collaboration (1:03:32) Medical School, Relapse & “Overtime”, Finding a New Treatment, Rapamycin (1:12:46) Sport, Football & Resilience; Challenge & Personal Growth, Family (1:18:41) Sponsor: Function (1:20:29) Social Support; “Overtime”, Gratitude (1:23:19) Business School, Castleman Disease Treatment; Repurposing Drugs & AI (1:28:29) Drug Repurposing, POEMS Syndrome; Mitigating Risk (1:35:32) Nicotine, Compounds for Preventive Health; GLP-1 Agonists (1:40:51) Bioprospecting, Drug Development; AI, Prioritization & Novel Connections (1:46:18) Healthcare & Children; Hope, Action & Impact Circuit; Challenge & Super-Agers (1:52:50) Get Involved with Every Cure (1:56:20) Zero-Cost Support, YouTube, Spotify & Apple Follow, Reviews & Feedback, Sponsors, Protocols Book, Social Media, Neural Network Newsletter Disclaimer & Disclosures Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, Chuck sits down with Laura Foote, executive director of YIMBY Action. They dive into America's housing crisis, debate the future of zoning, and explore what it will take to fix broken incentives and build more homes. Additional Show Notes YIMBY Action's new implementation guide Strong Towns' new housing toolkit YIMBY Action (site) Laura's email: laura@yimbyaction.org Chuck Marohn (Substack)   This podcast is made possible by Strong Towns members. Click here to learn more about membership.

In this episode of First Round's On Me, we sit down with Tyler Jackowski — better known online as Fishing for Clout — a Boston-bred teacher turned viral storyteller who's built one of the most positive corners of the internet.Tyler opens up about his journey from classroom chaos to content creation, what teaching taught him about empathy, and how he's redefining what it means to connect online. We talk about the Boston vs LA mindset, the illusion of influence, education reform, and his mission to give teachers the recognition (and paychecks) they deserve through America's Heroes.This one's equal parts hilarious and heartfelt — from kids roasting their teacher on Zoom to tackling the future of connection in an AI-driven world.

The closeout process is where most projects quietly fail. In this episode ofKP Unpacked, the #1 podcast in AEC, KP Reddy and Nick pull back the curtain on why handovers break, why owners get stuck with the bill, and how to design for decades instead of deadlines. From BIM's broken promise to the CapEx vs OpEx split, this is a hard reset on how AEC should finish work.Highlights1) Documentation and dataBIM vs reality: digital models did not eliminate banker boxes or fragmented handoversDocumentation as asset value: warranties, submittals, service records as the true owner's manualModern handover standard: digitize everything, make it queryable, and keep data portable across owners2) Incentives and ownership structureCapEx vs OpEx: split mindset drives short-term choices that hurt operationsIncentives and warranties: tie first five years of maintenance to designers and contractorsDesign–Build–Operate: operating accountability changes what gets built3) Operations and economicsMaintenance economics: lifecycle costs can exceed build costs and should change design choicesManufacturers and feedback loops: lost warranty visibility and how direct data ties prevent waste4) Process and workflowsDecentralized workflows: hundreds of contributors, no single system, and why forcing one platform fails at closeout5) Owner playbookSet closeout requirements early, enforce data standards in contracts, and involve operations from day one.This is exactly why we launched the Owner Training Series to help owners and owner reps fix what breaks between design, build, and handover. Learn how to manage risk, enforce better closeouts, and align your teams for long-term success.2nd Webinar is on Nov 20th.Enroll now and get the replay of first one → https://kpreddy.co/owner-training-seriesAEC leaders, operators, and innovators, this one matters. Listen now and fix your closeout before it burns value.Sounds like you? Join the waitlist at https://kpreddy.co/Check out one of our Catalyst conversation starters, AEC Needs More High-Agency ThinkersHope to see you there!

Adam Bierman—co-founder of MedMen—shares how a desperate, all-in bet on a federally illegal, unlicensed Venice Beach shop in 2010 became the world's most recognized cannabis brand, with Apple-style stores from Beverly Hills to Fifth Avenue and a multibillion valuation. A dingy dispensary doing ~$300k a month revealed massive demand; a “Canna Mums” encounter reframed the mission from retail to culture, policy, and patients. MedMen pieced together legitimacy—operating under California's medical veil, banking out of Las Vegas, and listing in Canada—helping drag cannabis into the mainstream (yes, Kardashians and Kimmel included). But hypergrowth met hard limits: heavy cash burn, governance questions, and a key PharmaCann merger slowed by unusual DOJ antitrust scrutiny under AG William Barr. Financing from Gotham Green Partners (Jason Adler) kept the lights on—on senior, highly protected terms. As debt mounted and regulation remained choppy, the story ended in bankruptcy/liquidation, even as MedMen's retail blueprint reshaped how dispensaries look and operate across the U.S. Why leaders should watch:

No more food stamps for you :: Phone given to the masses as a distraction and division tactic :: Gremlins in the machines :: Bonnie decides not to use a Ouija board :: Voluntary society as compared to forced "social contract" :: Incentives left wing politics invite homelessness into towns with :: If the US constitution WAS a contract it's null and void now that the gov has broken their end :: Taxation just social control :: Gold rush to cash in :: Gold in Fort Knox? :: Immigrants who would never get here to begin with without getting shipped here by the gov :: You shouldn't be paying taxes :: Dr. Reality podcast :: Helicopter parents :: 2025-11-01 Hosts: Bonnie, Colin, Angelo

At Redeemer Presbyterian Church in Charleston, SC, our senior pastor Rev. Craig Bailey preached again from Hebrews 11:6, encouraging us to diligently seek the Lord.

We've got a wide variety of Orlando topics for you. Epic universe scaling up, some road relief news, new developments finally underway, and your Q&A!

This is the second message in our missions conference here at BFBC brought to us by Gary Neal. It is a sobering, but necessary message. We see the necessity of realizing the reality of Hell in order to understand the necessity of spreading the gospel.

Jack looks at Tesla's robo future. And a self-described inflationist discusses what two centuries of returns say about what investors should do now. Learn more about your ad choices. Visit megaphone.fm/adchoices

Planning a destination wedding shouldn't feel like a hundred open tabs. In this episode, we flip the process and start with your priorities—Beach, Food, Budget Packages, Incentives, and Party Vibe—so you can stop scrolling and start deciding.I'll show you how to choose your top two, accept one smart trade-off, and finish with a list of resort that meet your needs. We'll cover when Caribbean/Mexico beaches have the best odds of being picture-perfect, which brands truly deliver on food, the under-$5K packages that include a real reception, and how to make your room block pay for private-event hours.This episode gives you a clear framework to narrow from twenty maybes to three yeses—without second-guessing. Grab the free Priority Cheat Sheet and follow along as we map your must-haves to real resorts, with practical tips you can use the moment you hit play.Download Our Priority Cheat Sheet here!Need help with your destination wedding? Head here to schedule a consult with me!Shop for your Groom's Ring at Ring Bear today!

3:30 What do heated interactions on the sideline mean for Mike?7:00 Impact of new facility?11:30 Sunken cost fallacy with Mike?14:30 Postseason coaching decisions17:15 Michael Alford comments22:30 CP read26:00 What players do you hope stay if Mike is gone?29:00 What is FSU's standard?34:30 QB predictions with a loss? What happens with coaching changes?37:30 Is the portal the source of FSU's problems and lack of depth?43:00 Analyzing Mikes tone45:00 Return of FSU alumni as HC?46:20 Incentive for current FSU players49:45 Can FSU get the next Curt Cignetti?54:30 Louisiana government getting involved at LSU?58:00 Corey as a HC and OutroMusic: In Her Own Words - Cherry Redvitaminenergy.com | PROMO: warchantbogo | buy one, get one free!In Crawfordville, your Home Convenience Store is ACE Home Center & NAPA Auto Parts located at 2709 Crawfordville Hwy Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

3:30 What do heated interactions on the sideline mean for Mike?7:00 Impact of new facility?11:30 Sunken cost fallacy with Mike?14:30 Postseason coaching decisions17:15 Michael Alford comments26:00 What players do you hope stay if Mike is gone?29:00 What is FSU's standard?34:30 QB predictions with a loss? What happens with coaching changes?37:30 Is the portal the source of FSU's problems and lack of depth?43:00 Analyzing Mikes tone45:00 Return of FSU alumni as HC?46:20 Incentive for current FSU players49:45 Can FSU get the next Curt Cignetti?54:30 Louisiana government getting involved at LSU?58:00 Corey as a HC and OutroMusic: In Her Own Words - Cherry Redvitaminenergy.com | PROMO: warchantbogo | buy one, get one free!In Crawfordville, your Home Convenience Store is ACE Home Center & NAPA Auto Parts located at 2709 Crawfordville Hwy Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode, Patrick McKenzie reads his essay about the financial infrastructure that makes buying windows painless. When a window installer can originate, underwrite, and fund a $25,000 loan in 15 minutes before leaving your house, it's because four parties—window companies, facilitating platforms, specialized banks, and capital providers—have built a system that actually works. Patrick explains how modern consumer lending learned from 2008 to create better underwriting, clearer compliance, and properly distributed risk, all in service of enabling commerce in the real economy.–Full transcript available here: www.complexsystemspodcast.com/home-improvement-lending/–Sponsor: MercuryThis episode is brought to you by Mercury, the fintech trusted by 200K+ companies — from first milestones to running complex systems. Mercury offers banking that truly understands startups and scales with them. Start today at Mercury.comMercury is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Column N.A., and Evolve Bank & Trust; Members FDIC.–Links:Bits about Money: https://www.bitsaboutmoney.com/archive/window-modern-loan-origination/ –Timestamps:(00:00) Intro(02:46) Why not just have banks loan money for home improvement?(06:43) Modern installment loan origination as a service(09:58) Sponsor: Mercury(11:09) Modern installment loan origination as a service (part 2)(15:17) What's the actual product offered?(19:03) How does this pie get divvied up?(24:12) Is this unsecured lending?(26:12) Should we be happy this Rube Goldberg machine exists?

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One of the hardest parts of scaling a 7 or 8-figure business, is being able to balance rewarding your team with protecting your company's profitability. In this episode, Kelly discusses how to design compensation and incentive plans that motivate and inspire your team to perform at their best, create simultaneous promotion of interests (good for the team, the client, and the company), and keep your business financially healthy and sustainable If you've ever wrestled with questions like: “how do I pay competitively without overextending the business?” or “should I give raises or one-time bonuses?” this episode is a must-listen. You'll learn: The #1 mistake business owners make when designing incentive plans, and what every compensation plan should start with instead How to structure incentives so your team can earn 6 or multiple 6 figures  while the business remains profitable The 4X Method: how to ensure every hire brings in 4x what they cost Timestamps:  01:16–03:10 – Why every compensation plan should be designed one year at a time. 03:11–05:20 – The “simultaneous promotion of interests” principle: good for the team, clients, and company. 05:21–07:00 – The biggest mistake leaders make: constant salary increases instead of incentive pay. 07:01–09:00 – Why one-time bonuses protect your profit and performance. 09:01–10:30 – Start with your profit plan: reverse-engineer roles that bring in 4x what they cost. 10:31–12:15 – How to cap salaries like a sports team to sustain profitability. 12:16–13:45 – Transitioning old incentive models to fit new business offers or pricing structures. 13:46–14:45 – The power of creating multiple income streams for your team tied to performance. 14:46–15:15 – Invitation: Join the October 30th 4X Method training + March Legacy Leaders Immersive. Resources:  Register for the 8-Figure Roadmap Info Session on Thursday, Oct 30 at 1pm EST: https://events.thebusinessadvisory.com/opt-in-page-7731-7080-2242  Learn more about our Legacy Leaders In-Person Immersive March 10th & 11th, 2026: https://advancesociety.org/2026rsvp  Follow Kelly on Instagram: https://www.instagram.com/kellyroachofficial/    Follow Kelly on Facebook: https://www.facebook.com/kelly.roach.520/w     Connect with Kelly on LinkedIn: https://www.linkedin.com/in/kellyroachin