Podcasts about innovators

Hello internet! This week's episode is all about the triumphs and achievements of BLACK INNOVATORS! Enjoy and be sure to share with a friend!Immigrant Defenders Law Center: https://www.immdef.org/

Once synonymous with passive, index-based investing, ETFs have become a vehicle for active managers seeking to deliver differentiated returns. Today, active ETFs now outnumber passive funds among US-listed exchange-traded products for the first time.Scott Davis, Head of ETFs at Capital Group, joins us on this episode of ETF Innovators to discuss how the firm integrates over 90 years of investment expertise into modern ETF structures.

Radical AI is building scientific superintelligence—AGI for science—through a closed-loop system that combines AI agents with fully robotic self-driving labs to accelerate materials discovery. The materials science industry has a fundamental innovation problem: discovering a single new material system takes 10-15+ years and costs north of $100 million. This economic reality has frozen innovation across aerospace, defense, semiconductors, and energy—industries still deploying materials developed 30 to 100 years ago. In this episode, Joseph Krause, Co-Founder and CEO of Radical AI, explains how his company is attacking the root causes: serial experimentation workflows, systematically lost experimental data, and the manufacturing scale-up gap. Working with the Department of Defense, Air Force Research Lab on hypersonics systems, and as an official partner to the DOE's Genesis mission, Radical AI is focused on high entropy alloys that maintain mechanical properties in extreme environments—the kind of enabling technology that unlocks entirely new product categories rather than optimizing existing ones. Topics Discussed: The structural economics preventing materials innovation: 10-15 year timelines, $100M+ discovery costs, and why companies default to decades-old materials Three fundamental process failures in scientific discovery: serial workflows that prevent parallelization, the 90%+ of experimental data that lives only in lab notebooks, and the valley of death between lab-scale discovery and manufacturing scale-up How closed-loop autonomous systems capture processing parameters during discovery—temperature ranges, pressure requirements, humidity impacts, precursor form factors—that map directly to manufacturing conditions High entropy alloys as beachhead: 10^40 possible combinations from the periodic table, requiring materials that maintain strength and corrosion resistance at 2,000-4,000°F in oxidative environments created by hypersonic flight The strategic rationale for simultaneous government and commercial GTM: government for long-shot applications like nuclear fusion and access to world-class science institutions; commercial customers in aerospace, defense, automotive, and energy for near-term product applications Why Radical AI focuses on enabling technology rather than optimization technology—solving for markets where novel materials unlock new products, not incremental margin improvements GTM Lessons For B2B Founders: Engineer downstream adoption barriers into your initial system architecture: Joseph identified that customer skepticism centered on manufacturability, not discovery speed. Most prospects understood AI could accelerate experimentation but questioned whether discoveries could scale to production without restarting the entire process. Radical AI's response was architectural: their closed-loop system captures processing parameters—temperature ranges, pressures, precursor concentrations, humidity effects, form factors like powders versus pellets—during the discovery phase. This data maps directly to manufacturing conditions, eliminating the traditional restart cycle. The lesson: In deep tech, the adoption barrier isn't usually your core innovation—it's the adjacent problems customers know will surface later. Engineer those solutions into your system from day one rather than treating them as future optimization problems. Select beachheads where problem complexity matches your technical advantage: Radical AI chose high entropy alloys not because the market was largest, but because the search space is intractable for humans—10^40 possible combinations that would take millions of years to experimentally test. This creates a natural moat where their ML-driven autonomous system has exponential advantage over traditional approaches. Joseph explicitly distinguished "enabling technology" (unlocking new products) from "optimization technology" (improving margins on existing products), then targeted markets with products ready to deploy but blocked by materials constraints. The strategic insight: beachhead selection should optimize for where your technical approach has structural advantage and where success unlocks new market creation, not just better unit economics. Structure dual-track GTM to derisk technology while building commercial pipeline: Radical AI simultaneously pursues government contracts (DOD, Air Force Research Lab, DOE Genesis) and commercial customers (aerospace, defense primes, automotive, energy). This isn't market hedging—it's strategic complementarity. Government provides access to the world's most advanced scientific institutions, funding for applications with 10-20 year horizons like nuclear fusion, and willingness to bridge the valley of death that scares commercial buyers. Commercial customers provide clear near-term product applications, faster revenue cycles, and market validation. Joseph views them as converging rather than divergent, since transformative materials apply across both. The playbook: in frontier tech, government and commercial aren't either/or choices—structure them as parallel tracks that derisk each other while your technology matures. Reframe the economics of the innovation process itself: Joseph didn't pitch faster materials discovery—he reframed the entire process from serial to parallel, from data-loss to data-capture, from discovery-manufacturing gap to integrated workflow. This changes the fundamental economics: instead of 10-15 years and $100M+ per material, the conversation shifts to discovering and scaling multiple materials simultaneously with manufacturing parameters already mapped. This reframing unlocks budgets from companies that had stopped innovating because the traditional process was economically irrational. The insight: when industries have stopped innovating entirely, the problem isn't usually that existing processes are too slow—it's that the process itself is structurally broken. Identify and articulate the broken process, not just the speed/cost improvement. Lead with civilizational impact to filter for long-term aligned stakeholders: Joseph explicitly positions Radical AI as "building a company that fundamentally impacts the human race" and tells prospective talent, "if you are focused on a mission and not a job, this is the place for you." This isn't recruiting copy—it's strategic filtering. In frontier tech with 10-15 year commercialization horizons, you need customers, partners, investors, and talent who think in decades, not quarters. Mission-driven positioning attracts stakeholders aligned with category creation over optimization and filters out those seeking incremental improvements. It also provides air cover for decisions that prioritize long-term technological breakthroughs over short-term revenue optimization. // Sponsors: Front Lines — We help B2B tech companies launch, manage, and grow podcasts that drive demand, awareness, and thought leadership. www.FrontLines.io The Global Talent Co. — We help tech startups find, vet, hire, pay, and retain amazing marketing talent that costs 50-70% less than the US & Europe. www.GlobalTalent.co // Don't Miss: New Podcast Series — How I Hire Senior GTM leaders share the tactical hiring frameworks they use to build winning revenue teams. Hosted by Andy Mowat, who scaled 4 unicorns from $10M to $100M+ ARR and launched Whispered to help executives find their next role. Subscribe here: https://open.spotify.com/show/53yCHlPfLSMFimtv0riPyM

Keywords education, technology, podcast, FETC, animal discussions, gambling, teaching, conferences, EdTech, snow days, education, innovation, technology, Classroom Draft, EdTech, AI, community, podcast, teaching, learning Takeaways The conversation starts with a light-hearted introduction amidst a snowstorm. Discussion about a fictional teacher gambling app emerges humorously. FETC conference experiences are shared, highlighting the camaraderie among educators. A theoretical discussion about the largest animal one could choke out leads to humorous exchanges. The conversation transitions into a serious discussion about an EdTech tournament bracket. Participants reflect on their roles in education and how they would rank against each other in a tournament setting. The group discusses the importance of recognizing contributions from educators in various fields. Humor is a consistent theme throughout the conversation, making serious topics more engaging. Theoretical discussions about animals lead to unexpected insights about human capabilities. The podcast showcases the blend of humor and serious educational discourse. Ranking educators can be subjective and varies by category. Emotional connections in education can influence innovation. The Classroom Draft app engages students in learning. The first EdTech draft was a fun and competitive experience. Collaboration among educators is essential for community building. AI is becoming a buzzword in the education sector. Recognition of teachers is crucial for their motivation. Innovative approaches can disrupt traditional educational methods. Community managers in education often know each other. Humor and camaraderie are important in educational discussions. Summary In this episode, the hosts engage in a light-hearted conversation that transitions into various themes, including humorous discussions about teacher gambling, experiences at the FETC conference, and a theoretical debate about the largest animal one could choke out. The conversation culminates in a creative EdTech tournament bracket discussion, where the hosts rank themselves and their peers in a playful yet insightful manner. In this engaging conversation, the hosts discuss various themes related to innovation in education, including personal rankings of educators, the emotional aspects of educational innovation, and the introduction of a new app called Classroom Draft. They also reflect on their experiences at the first EdTech draft and Nick's new role at School AI, while humorously exploring the dark side of sports wishes. Titles Snowstorms and Teacher Gambling: A Lighthearted Start FETC Insights: Educators Unite Sound bites "You could bet on anything!" "We love you guys." "Thank you." Chapters 00:00 Introduction and Conference Vibes 01:26 Teacher Gambling and Snow Day Predictions 02:59 FETC Conference Highlights and Donnie's Speaking Experience 09:58 Theoretical Animal Combat Discussion 14:54 ChatGPT and Animal Size Debate 15:30 The Great Animal Debate 18:46 Wrestling and Unexpected Connections 24:37 EdTech Tournament of Champions 32:23 Ranking the Innovators 35:49 The Emotional Battle of Innovation 38:41 Donnie's AI and the NIT Bracket 43:23 Introducing Classroom Draft 49:38 The EdTech Draft Results 51:18 The Draft Debate: Tools and Choices 54:16 New Roles and Responsibilities in Education 57:38 Community Building and Collaboration 01:01:09 Sports Rivalries and Dark Humor 01:03:51 The AI Trend in Education 01:07:48 Closing Thoughts and Future Connections

Lukasz Gadowski ist einer der bekanntesten deutschen Internetunternehmer und Investoren. In dieser besonderen Longform-Folge spricht er über seinen Weg von den Anfängen mit Spreadshirt und Delivery Hero bis hin zu Investments in Flugtaxis, Batterietechnologie und Lasern. Es geht um die Unterschiede zwischen dem europäischen und dem US-Start-up-Ökosystem, um politische und wirtschaftliche Hürden, um die Lehren aus seinen größten Fehlern – und um die Frage, wie Europa echte Technologieriesen hervorbringen könnte. Was du aus der Folge mitnimmst: Warum Europa strukturell (noch) hinter den USA liegt und wie ein gemeinsamer Kapitalmarkt und konsistente Industriepolitik echte Tech-Giganten ermöglichen könnten Lukasz' Wandel von Internet- zu DeepTech-Investments: Flugtaxis, Laser, Batterien, Energie – und was ihn heute antreibt Warum Innovation in Konzernen schwierig ist und wie „Innovator's Dilemma“ verhindert, dass Old Economy neue Technologien wirklich voranbringt Teure Fehler und harte Learnings: Premature Scaling, Hardware-Risiken und der Unterschied, ob man Investor oder Gründer ist Wie Lukasz an neue Themen herangeht: Systematische Analyse von Technologie-Generationen, Moonshots und der Mut, sich auf Jahre einzulassen Karriere- und Lerntipps für junge Menschen: Fünf Bereiche (Finanzen, Technologie, Volkswirtschaft, Kunst, Jura), Theorie & Praxis, emotionale Stabilität und Meditation als „Trumpfkarte“ ALLES ZU UNICORN BAKERY: https://stan.store/fabiantausch   Mehr zu Lukasz: LinkedIn: https://www.linkedin.com/in/lukaszgadowski/ Website: https://www.teamglobal.net/ Join our Founder Tactics Newsletter: 2x die Woche bekommst du die Taktiken der besten Gründer der Welt direkt ins Postfach: https://www.tactics.unicornbakery.de/  Kapitel: (00:00:00) Warum hinkt Europa hinterher? (00:02:37) Champions League: USA vs. Europa (00:06:38) Was müsste sich in Europa und Deutschland ändern? (00:09:22) Kapitalmarkt, Industriepolitik und das Innovators Dilemma (00:17:24) Wie müsste Politik für mehr Innovation aussehen? (00:26:18) Von Consumer Internet zu DeepTech – Lukasz' Themenwandel (00:30:21) Unterschiede: Internetökonomie vs. DeepTech (00:35:10) Warum (noch) nicht in KI investiert? (00:37:58) Wandel beim Angel Investing (00:38:56) Investor, Mitgründer oder beides? (00:41:17) Fehler & Learnings aus 20 Jahren Unternehmertum (00:44:36) Die teuersten Fehler: Cirque & Premature Scaling (00:47:14) Was unterscheidet erfolgreiche von weniger erfolgreichen Märkten? (00:49:44) Nächste Meilensteine: Spreadgroup, Miles, Laser, Batterien, Flugtaxis (00:54:26) Portfolio-Management & wie tief dabei sein? (00:56:17) Energie, Politik und die nächste Stromnetz-Generation (00:57:00) Rückblick: Gründerszene, Medien & Startup-Kultur (00:59:13) Was Lukasz heute jungen Leuten rät

In this episode of The Builder's Bookshelf, we unpack Clayton Christensen's The Innovator's Dilemma and explore why even the best-run construction companies can get blindsided by prefab, modular, drones, and AI. You'll learn how to spot disruptive shifts early, run experiments without wrecking your core business, and become the builder that drives the change instead of getting run over by it.Enjoy Episode 4 and #BeNEXT

Transforming schools through ethical, large-scale Al integration and collaborative learning. About Jamie Toner Jamie is an education technology and innovation leader with experience across K-12 and Higher Education in the UK, Middle East, Southeast Asia, and East Asia. As Director of Technology and Innovation at Singapore American School, he leads digital transformation, AI integration, and the development of forward-looking learning ecosystems.  Previously Founding Director of Digital Learning and Information Services at Harrow International School Shenzhen, Jamie has driven major projects in digital strategy and information services. Named on the recent CILIP 125 List of future leaders and a Fellow of the Higher Education Academy, he researches and presents internationally on digital leadership and knowledge sharing. He is currently in the final stages of his PhD at the University of Sheffield on how legitimacy and epistemic authority are unevenly constructed and sustained within international schools. Jamie Toner on Social Media LinkedIn: https://www.linkedin.com/in/jamie-toner-611b2478/  About Claire Simms Claire is an experienced international educator and digital learning leader with over 25 years in schools across Hong Kong, Malaysia, Switzerland, the Philippines, Vietnam, and Singapore. She is currently Assistant Principal - Innovation and Technology at St. Joseph's Institution International School where she leads initiatives that enhance teaching and learning through technology. Since joining SJI International in 2016, Claire has held key leadership roles including Head of IPC and Head of Grade, helping to shape both curriculum and digital strategy. A Google Trainer, Coach, Innovator, and GEG Leader, Apple Learning Coach, and Seesaw Educator Lead, she regularly presents across the APAC region on digital learning and leadership. Claire holds a PGCE in Primary Education from the University of Sunderland and is currently completing her National Professional Qualification in Senior Leadership (NPQSL). Claire Simms on Social Media LinkedIn: https://sg.linkedin.com/in/claire-simms-13679643  Resources https://www.sas.edu.sg/  https://www.sji-international.com.sg/  John Mikton on Social Media LinkedIn: https://www.linkedin.com/in/jmikton/ Twitter: https://twitter.com/jmikton Web: beyonddigital.org Dan Taylor on social media: LinkedIn: https://www.linkedin.com/in/appsevents  Twitter: https://twitter.com/appdkt  Web: www.appsevents.com Listen on: iTunes / Podbean / Stitcher / Spotify / YouTube Workspace Audit by AppsEDU Find and Fix Security Gaps in Your Google Workspace at https://workspaceaudit.com/  Get a complete, automated overview of your security posture. Our read-only scanner identifies misconfigurations and provides actionable steps to harden your environment. We also help you STAY secure. With our automated monitoring functionality you schedule daily, weekly or monthly scans, allowing you to fix issues before they become a problem. Get started for free with no obligation, your first scan is on us! https://workspaceaudit.com/ 

Superpowers for Good should not be considered investment advice. Seek counsel before making investment decisions. When you purchase an item, launch a campaign or create an investment account after clicking a link here, we may earn a fee. Engage to support our work.Watch the show on television by downloading the e360tv channel app to your Roku, LG or AmazonFireTV. You can also see it on YouTube.Devin: What is your superpower?Eugene: Staying focused on a North Star.Eugene Chan, CEO and founder of rHEALTH, has taken blood diagnostics to new heights—literally. His innovative technology, capable of analyzing dozens of biomarkers from a single drop of blood, was tested aboard the International Space Station (ISS). In today's episode, Eugene shared the remarkable journey of rHEALTH, from competing with top companies for a NASA partnership to launching its device into space.What sets rHEALTH apart is its proven reliability in extreme conditions, including the zero-gravity environment of space. Eugene explained, “We tested this technology on the International Space Station with astronaut Samantha Cristoforetti, who operated the device and obtained precise values from single drops of sample. They did the analysis using our device and got absolutely the right answers.” This achievement underlines the robustness and accuracy of rHEALTH's technology, qualities that distinguish it from other attempts at single-drop blood diagnostics.Unlike Theranos, which famously failed to deliver on similar promises, rHEALTH's technology has been rigorously vetted. Eugene highlighted the grueling process of earning NASA's trust. “To be the one company selected to demonstrate our novel technology on the ISS was a huge undertaking,” he said. He recounted the intense competition and NASA's exacting standards, which included testing the device's functionality during zero-gravity parabolic flights.Now, Eugene and his team are bringing this groundbreaking technology to the public with a regulated crowdfunding campaign on StartEngine. “You don't have to be a Silicon Valley elite or a Boston venture capitalist to participate,” I noted during the episode. With this campaign, everyday investors have the opportunity to support a proven technology poised to revolutionize healthcare.The implications of rHEALTH's success are profound. If it works in space, it can work in remote clinics, underserved communities, and even in people's homes. This technology has the potential to make diagnostics more accessible, empowering individuals to take control of their health.Eugene's vision, combined with rHEALTH's proven track record, makes this an exciting investment opportunity. Visit StartEngine to learn more and become part of this revolutionary journey.tl;dr:Eugene Chan shared how rHEALTH's diagnostic technology was tested and proven aboard the International Space Station.He explained the rigorous process of competing with other companies to secure NASA's trust.rHEALTH's crowdfunding campaign on StartEngine makes investing in this revolutionary technology accessible to all.Eugene highlighted the importance of his North Star: improving human health with innovative solutions.He shared advice on maintaining focus and using challenges as opportunities to achieve big goals.How to Develop Staying Focused on a North Star As a SuperpowerEugene's superpower is his ability to maintain a relentless focus on his “North Star”—the overarching goal of improving human health. As he explained, “The North Star has always been to improve the human condition and help us improve human health.” For Eugene, this guiding principle has driven his work through challenges, from competing for NASA's attention to developing groundbreaking diagnostic technology.One illustrative story of this superpower came during a pivotal moment in Eugene's career. While competing in the XPRIZE competition, he found himself grappling with a flawed prototype. It was during this time, sitting at his wife's bedside after the birth of their child, that the concept for rHEALTH's current device was born. Combining the pressure of the competition, the inspiration of his newborn daughter, and his unwavering focus on creating a robust solution, Eugene developed the technology that would later achieve success in space.Eugene also shared actionable tips for developing this superpower:Identify your personal North Star—a goal or mission that deeply resonates with you.Let that North Star guide your decisions, especially during challenging times.Stay committed to your mission, even when facing setbacks or obstacles.Use external pressures, like deadlines or competitions, to fuel innovation and progress.By following Eugene's example and advice, you can make staying focused on a North Star a skill. With practice and effort, you could make it a superpower that enables you to do more good in the world.Remember, however, that research into success suggests that building on your own superpowers is more important than creating new ones or overcoming weaknesses. You do you!Guest ProfileEugene Chan (he/him):CEO, Founder, rHEALTHAbout rHEALTH: rHEALTH has worked with NASA to develop a miniaturized diagnostic test system to keep astronauts healthy on the way to Mars. We have successfully tested this onboard the International Space Station and published the results in Nature Communications, demonstrating results from blood in minutes in extreme environments. The technology shrinks a central clinical lab and a team of doctors in a form suitable for everyday use. Comprehensive lab-quality analysis can be performed by anyone, fundamentally shifting diagnostics from centralized facilities to the point-of-care and homes. The focus is to usher in Diagnostics 2.0, allowing high-value multiplexed diagnostics.Website: rhealth.comOther URL: startengine.com/offering/rhealthBiographical Information: Dr. Chan is a physician-inventor. He is currently Founder, CEO of rHEALTH, and President, CSO of DNA Medicine Institute, a medical innovation laboratory. He has been honored as Esquire magazine's Best and Brightest, one of MIT Technology Review's Top 100 Innovators, and an XPRIZE winner. His work has contributed to the birth of next-generation sequencing, health monitoring in remote environments, and therapeutics. Dr. Chan holds over 60 patents and publications, with work funded by the NIH, NASA, and USAF. Dr. Chan received an A.B. in Biochemical Sciences from Harvard College summa cum laude in 1996, received an M.D. from Harvard Medical School with honors in 2007, and trained in medicine at the Brigham and Women's Hospital. He has been in zero gravity and led the team that demonstrated the rHEALTH ONE bioanalyzer onboard the International Space Station.LinkedIn Profile: linkedin.com/in/eugene-chan-4220045Personal Twitter Handle: @Dr_EugeneChanSupport Our SponsorsOur generous sponsors make our work possible, serving impact investors, social entrepreneurs, community builders and diverse founders. Today's advertisers include Crowdfunding Made Simple. Learn more about advertising with us here.Max-Impact Members(We're grateful for every one of these community champions who make this work possible.)Brian Christie, Brainsy | Cameron Neil, Lend For Good | Carol Fineagan, Independent Consultant | Hiten Sonpal, RISE Robotics | John Berlet, CORE Tax Deeds, LLC. | Justin Starbird, The Aebli Group | Lory Moore, Lory Moore Law | Mark Grimes, Networked Enterprise Development | Matthew Mead, Hempitecture | Michael Pratt, Qnetic | Mike Green, Envirosult | Dr. Nicole Paulk, Siren Biotechnology | Paul Lovejoy, Stakeholder Enterprise | Pearl Wright, Global Changemaker | Scott Thorpe, Philanthropist | Sharon Samjitsingh, Health Care Originals | Add Your Name HereUpcoming SuperCrowd Event CalendarIf a location is not noted, the events below are virtual.SuperGreen Live, January 22–24, 2026, livestreaming globally. Organized by Green2Gold and The Super Crowd, Inc., this three-day event will spotlight the intersection of impact crowdfunding, sustainable innovation, and climate solutions. Featuring expert-led panels, interactive workshops, and live pitch sessions, SuperGreen Live brings together entrepreneurs, investors, policymakers, and activists to explore how capital and climate action can work hand in hand. With global livestreaming, VIP networking opportunities, and exclusive content, this event will empower participants to turn bold ideas into real impact. Don't miss your chance to join tens of thousands of changemakers at the largest virtual sustainability event of the year. Learn more about sponsoring the event here. Interested in speaking? Apply here. Support our work with a tax-deductible donation here.SuperCrowd Impact Member Networking Session: Impact (and, of course, Max-Impact) Members of the SuperCrowd are invited to a private networking session on January 27th at 1:30 PM ET/10:30 AM PT. Mark your calendar. We'll send private emails to Impact Members with registration details.Community Event CalendarSuccessful Funding with Karl Dakin, Tuesdays at 10:00 AM ET - Click on Events.Join C-AR Annual Reporting: Requirements, Deadlines, and Lessons Learned from the Field on January 14, 2026, an informative online webinar designed to help crowdfunding issuers and professionals clearly understand C-AR annual reporting requirements, key deadlines, and real-world insights to stay compliant and prepared.Join UGLY TALK: Women Tech Founders in San Francisco on January 29, 2026, an energizing in-person gathering of 100 women founders focused on funding strategies and discovering SuperCrowd as a powerful alternative for raising capital.If you would like to submit an event for us to share with the 10,000+ changemakers, investors and entrepreneurs who are members of the SuperCrowd, click here.Manage the volume of emails you receive from us by clicking here.We use AI to help us write compelling recaps of each episode. 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I am so delighted to finally welcome one of my friends and mentors, the incomparable Julie Cortés, to The Jake's Take with Jacob Elyachar Podcast!  Julie is a copywriter by day and a freelance rockstar by night. Her journey began in 1998, when she was removed from her job. However, the event lit a fire beneath her. What started as a “What now?” moment turned into a HELL YEAH kind of career – one that she built from the ground up following her natural talent, relentless drive, and rebellious energy.  Today, Julie Cortés helps clients across the globe find their voice, own their brand, and show up like the rockstars they were meant to be.  Julie did not choose the freelance life. It chose her! Fast forward over 25 years, and Julie Cortés founded the Freelance Exchange of Kansas City, a community for solo creatives. She also built and taught a college-level Freelancing 101 course at the Kansas City Art Institute. Julie became a business coach for freelancers and solopreneurs and spoke on stages across the country.  She was also featured on various media platforms, including Clients from Hell, CNN, Great Day KC, The Kansas City Business Journal, and The Kansas City Star.  Julie won numerous awards, ranging from Innovator of the Year from the Stevie Awards for Women in Business and the Women's Business Advocate of the Year from the Kansas Department of Commerce to being named a Small Business Superstar by the Greater Kansas City Chamber of Commerce.  On this episode of The Jake's Take with Jacob Elyachar Podcast, Julie Cortés shared the origin story of Freelance Exchange of Kansas City, the creation of a Freelancing 101 course, and her efforts to combat antisemitism and anti-Zionism on social media.  Become a supporter of this podcast: https://www.spreaker.com/podcast/jake-s-take-with-jacob-elyachar--4112003/support.

Today, we're diving deep with a true Silicon Valley powerhouse, Kevin Surace. This man is a legendary innovator, serial entrepreneur, and "edutainer" who has graced the stages of TED, the US Congress, and hundreds of major events, earning accolades like INC Magazine's Entrepreneur of the Year and a CNBC Top Innovator of the Decade. With 93 worldwide patents under his belt, Kevin has led pioneering work on everything from the first cellular data smartphone to human-like AI virtual assistants, and even the energy retrofits of iconic landmarks like the Empire State Building—and he's here to share his dynamic insights on the most disruptive forces shaping our world, including ChatGPT, AI, and digital transformation.Kevin Surace is a Silicon Valey innovator, serial entrepreneur, CEO, TV personality and EDUTAINER. Kevin has been featured in Businessweek, Time, Fortune, Forbes, CNN, ABC, MSNBC, FOX News, and has keynoted hundreds of events, from INC5000 to TED to the US Congress. He was INC Magazines' Entrepreneur of the Year, a CNBC top Innovator of the Decade, World Economic Forum Tech Pioneer, Chair of Silicon Valey Forum, Planet Forward Innovator of the Year nominee, featured for 5 years on TechTV's Silicon Spin, and inducted into RIT's Innovation Hal of Fame. While Kevin has a technical background with 93 worldwide patents, he is known as a highly dynamic speaker who is a true entertainer that is funny, excites people, educates & energizes audiences to action. Mr. Surace led pioneering work on the first celular data smartphone (AirCommunicator), the first plastic multichip semiconductor packages, the first human-like AI virtual assistant (Portico), soundproof drywall, high R-value windows, AI-driven building management technology, Generative AI for QA, supply-chain multivariate auctions, and the window/energy retrofits of the Empire State Building and NY Stock Exchange.Mr. Surace is also an accomplished music director, conductor, Broadway and streaming producer, and percussionist. Kevin's most requested talks include ChatGPT, AI and Automation. It's impact on your life and your company, Bringing Silicon-Valey Disruptive Innovation to Your Organization and Digital Transformation. He customizes each talk to your audience, from 30min to 60min, and is available to expertly moderate conversations and interview luminaries and executives as well as host workshops and events.CONTACT DETAILS Business: Kevin Surace Website: https://www.kevinsurace.com/ Social MediaLinkedIN - https://www.linkedin.com/in/ksurace/ Facebook - https://www.facebook.com/kevin.surace/ Instagram - https://www.instagram.com/kevinsurace/ Remember to SUBSCRIBE so you don't miss "Information That You Can Use." Share Just Minding My Business with your family, friends, and colleagues. Engage with us by leaving a review or comment on my Google Business Page. https://g.page/r/CVKSq-IsFaY9EBM/review Your support keeps this podcast going and growing.Visit Just Minding My Business Media™ LLC at https://jmmbmediallc.com/ to learn how we can help you get more visibility on your products and services. 

Bryon Lake, Chief Transformation Officer at Goldman Sachs Asset Management, joins Bilal Little to discuss how ETFs are reshaping the future of investing. Drawing on nearly two decades in the ETF industry, Lake explains why the ETF wrapper has become the preferred technology for delivering active strategies at scale. He highlights Goldman's growth in active ETFs, the rise of defined-outcome strategies, and the firm's agreement to acquire Innovator to expand those capabilities. Lake also explores how digital tools, democratization, and access to alternatives are changing the investor experience

Host Ruben Navarrette has a great conversation with Rene Alegria, the Atlanta-based Chief Innovation Officer at Neuvo Network. The former president and CEO of MundoNow, and founding CEO of Mamiverse Media, Alegria also guided the launch of the groundbreaking Latino podcast network, Oyenos Audio. Before all that, the Tucson native founded and served as publisher of the book imprint Rayo/HarperCollins. Today, he continues to look for new ways to connect with and inspire Latino audiences with compelling stories. The two media pioneers talk about where Latinos fit into the modern media landscape, and what the world of digital media gets wrong and right about America's largest minority.

The Wealth Formula Podcast is one of the longest-running personal finance podcasts still standing. For more than a decade, I've shown up every single week to talk about investing, markets, and the forces shaping the economy. What's interesting is how much my own thinking has evolved over that time. Early on, I was more rigid. I was—and still am—a real estate guy. But back then, I didn't give much thought to ideas outside that lane. I was dogmatic, and I didn't always challenge my own beliefs. Time has a way of doing that for you. I've now lived through multiple market cycles. I've watched the stock market melt up to valuations that felt absurd—and then keep going. I've seen gold go from flat for a decade to parabolic over a year. I've seen interest rates sit near zero for a decade and then snap higher at the fastest pace in modern history. And I've learned, sometimes the hard way, that diversification is about survival and that every asset class has its day. One lesson I learned that I am thinking a lot about these days is: ignore major technological shifts at your own peril. Back in 2014, I first started hearing people talk seriously about Bitcoin. At the time, I dismissed it. I listened to the critics, was convinced it was a scam, and didn't take the time to truly understand it. That was a mistake—not because everyone should have bought Bitcoin, but because I ignored a structural change happening right in front of me. Bitcoin went from a cypherpunk expression of freedom to the largest ETF owned by BlackRock. Today, the dominant story is artificial intelligence. And whether you love stocks, hate stocks, prefer real estate, or focus exclusively on cash flow, you cannot afford to ignore AI. This isn't a fad. It's a general-purpose technology—on the scale of electricity, the internet, or the industrial revolution itself. That doesn't mean it's easy to invest in. It's hard to look at headline names trading at massive valuations and feel good about buying them today. But investing in AI isn't about chasing a single company. It's about understanding second- and third-order effects: energy demand, data centers, productivity gains, labor displacement, capital flows, and how blockchain and decentralized systems intersect with all of it. What experience has taught me is this: you don't need to be first to invest—but you do need to be early in understanding. If you wait until something feels obvious, most of the opportunity is already gone. This week's episode of the Wealth Formula Podcast is focused squarely on AI and blockchain—what's real, what's noise, and where the long-term implications may lie. Listen to this episode. You'll come away smarter. And years from now, you may look back and realize this was one of those moments where paying attention really mattered. Transcript Disclaimer: This transcript was generated by AI and may not be 100% accurate. If you notice any errors or corrections, please email us at phil@wealthformula.com.  Welcome everybody. This is Buck Joffrey with the Wealth Formula Podcast. Coming to you from Montecito, California. Today we wanna start with a reminder. We are in a new year and we are already doing deals, uh, through the Wealth Formula Accredit Investor Club. You can go and sign up for that for free. Uh, wealth formula.com just hit investor club and you just get on there and, and you’ll get onboarded. And from there, all you gotta do is wait for deal flow and webinars coming to your inbox. And, um, you know, if nothing else, you learn something. So go check it out. Uh, go to. Wealth formula.com and sign up for Investor Club now onto today’s show. Uh, the, it is interesting. I don’t know if you are aware it’s a listener, but we are, wealth Formula is, uh, probably I would say one of the, certainly in the one of the top longest running personal finance podcasts still. Standing. Uh, I’ve been around, well, I think the first episode was on like 2014, so it was a long time, but in earnest, you know, at least for over a decade. And, you know, during that time, I’ve shown up every week, every single week. Don’t Ms. Weeks, but none, none. Isn’t that incredible? I’ve shown up, uh, talked about investing and talked about very way markets are working, forces, shaping the economy, all that kind of stuff. But you know, as you can imagine, as a. As a younger individual versus, um, my crusty self. Now, you know, a lot of my own thinking has evolved over that time, you know, back then. And I, you know, I think this appealed to some people, but, um, you know, I was really dogmatic. I’m a real estate guy, right? And I still am a real estate guy, but back then I wouldn’t give anything else the time of day to even think about, you know, and, and, uh, I, I, you know. I was dogmatic and didn’t always challenge my own belief systems. Um, I’m different now, right? I’ve softened And time is a way of, of changing all of that dogmatic stuff for you. You know, I’ve lived through multiple market cycles. I’ve watched, well, I’ve watched the stock market, which I, which I always maligned, you know, melt up to valuations. Uh, that felt absurd. And then keep going higher. I’ve seen gold, which was kind of ridiculous for the longest time. I watched it for like a decade, just pretty much flat, and then it goes parabolic. Over the last year, I’ve seen interest rates sit near zero for a decade and then snap higher. Uh, not even as time, just launch higher at the fastest space in modern history. And I’ve learned sometimes I guess, the hard way that diversification is about survival and that every class, every asset class has its day. Just like every dog has its day. And um, you know, one other lesson that I learned that I’m thinking a lot about these days is ignore major technological shifts at your own peril. So what am I talking about? Well. It’s kind of a, it is a technological shift, whether you think it about not, but Bitcoin. Okay. Back in 2014, I first started hearing people talk seriously about Bitcoin, and at that time I dismissed it. I was, uh, I was listening to critics beater Schiff that constantly called it a scam, said it was going to zero and so on. I didn’t, I didn’t take the time to truly understand it, to try to understand it the way I understand it now, that makes me a believer in Bitcoin. That, of course was a big mistake, not because, you know, everyone should have bought Bitcoin and, uh, back then, well, they, you know, would’ve been nice if they did, but because fundamentally I ignored something that was a structural change happening right in front of me. And since then, Bitcoin went from a cipher punk expression of freedom to the large CTF owned by BlackRock today. The dominant story is actually artificial intelligence. Now, whether you love stocks, hate stocks, prefer real estate focused exclusively on cab, whatever, you cannot afford to ignore ai. It’s not a fad. It’s a general purpose technology and a technology shift, and the scale of electricity. The internet bigger than the internet, bigger than the industrial revolution. Now, that doesn’t mean it’s easy to invest in. I mean, I’m gonna go invest in AI and make a bunch of money because I mean, what does that even mean? It’s hard to look at headline names, trading at massive valuations like Nvidia and all that right now, and saying, oh, I’m gonna go buy that. Who knows? That’s gonna work out. When I talk about investing in AI isn’t really just investing in stocks or any individual company or data centers or whatever. It’s about understanding. The second and third order effects, energy demand. You know, as I mentioned, data centers, productivity gains, labor displacement, capital flows, and how blockchain and decentralized systems intersect with all of that. It is very, very complicated. Um, but it’s really important to start to try to understand, you know, an experience that stop me is this. You don’t need to be the first to invest, but you do need to be early in understanding. If you wait until something feels obvious, usually the opportunity’s gone by then. And you know, the thing about AI is even if you think it’s obvious now. The reality is that most people haven’t really caught on. Maybe they played with chat GPT, but I don’t think they’re understanding what this whole, you know, this thing is gonna do to our world. Um, anyway, so that is what this week’s episode of Wealth Formula Podcast, uh, is about. It’s about AI and also, um, a little bit about, you know, bitcoin and blockchain and that kind of thing. Um, we’re gonna talk about what’s noise, uh, you know, where the long, what the long-term, uh, implications are all of this stuff. This is a show that, uh, I really enjoy doing really, really good stuff. Um, so make sure you listen in. We’ll have that interview for you right after these messages. Wealth Formula banking is an ingenious concept powered by whole life insurance, but instead of acting just as a safety net. The strategy supercharges your investments. First, you create a personal financial reservoir that grows at a compounding interest rate much higher than any bank savings account. As your money accumulates, you borrow from your own bank to invest in other cash flowing investments. Here’s the key. Even though you borrowed money at a simple interest rate, your insurance company keeps paying you compound interest. On that money, even though you’ve borrowed it, that result, you make money in two places at the same time. That’s why your investments get supercharged. This isn’t a new technique. It’s a refined strategy used by some of the wealthiest families in history, and it uses century old rock solid insurance companies as its backbone. Turbocharge your investments. Visit Wealth formula banking.com. Again, that’s wealth formula banking.com. Welcome back to the show, everyone. Today. My guest on Wealth Formula podcast is Jim Thorne, chief Market strategist at Wellington. L is private wealth with more than 25 years of experience in capital markets. He’s previously served as chief capital market strategist, senior portfolio manager, chief economist, and CIO. Uh, equities at major investment firms and has also taught economics and finance at the university level. Uh, Jim is known for translating complex economic, political, and market dynamics into clear actionable insights to help investors and advisors navigate long-term capital decisions. Uh, Jim, welcome with the program. Thanks for having me Buck. Well, um, Tim, I, I, I, uh, had been following a little bit of, uh, what you discuss on, uh, on X and, um, one of the things that caught my eye is, you know, your, your narrative on, on ai, a lot of people are tend to be still sort of skeptical of AI and what’s going on, uh, with the markets. Um, uh, but at the same time, uh, there’s this. Sense. I think that ignoring AI altogether as an investor is, is, is downright potentially dangerous. So, uh, at the highest level, why is AI something people simply can’t dismiss? Well, we live in an, uh, uh, you know, many other people have coined this term, but we live, we’re living in an exponential age of, of technological innovation. And, you know, AI and I’ll just add into their, uh, blockchain is just the normal evolutionary process that, you know, for me started when I left graduate school and came into the business in the nineties where everybody had this high degree of skepticism of the computer and the, the, the phone, the, the. And the internet. And so, you know, what we do is we go through these cycles and there are periods of time where the stars align. And we have a period of time where we have what I would call an intense period of innovation where I would suggest to you that. People are skeptical. Skeptical, and yet at the same point in time, they very early on in the, in the, in the trade, call it a bubble when it’s not. And so I think it comes from the position of ignorance. One, I think two, fear, and then three. If you think about if you are an active manager, I in a 40 ACT fund, um, you know, and you’re sitting there with, uh, you know, mi. Uh, Nvidia at, you know, eight or 9% of your index. And that’s a big chunk that you’ve gotta put into your fund, uh, just to be market neutral. So there’s a lot of people that hate this rally. There’s a lot of people that are can, going to continue to hate this rally. But the thing I anchor my hat on are a couple of things. Look at if this is no different than the railroad. Canals, any major technological innovation, will it become a bubble? Yes. Just not now. So, so let’s follow up on that, because a lot of people think, or are talking about the, do you know the.com bubble, uh, comparisons, and you’ve argued that that sort of misses the real story. So, so where are we getting it wrong right now? Are those people getting it wrong? In the nineties buck, you’d walk into a bar and there wouldn’t be ESPN on there’d be CNBC on people were getting their jobs to become day traders. Folks didn’t go to the go to university because they were basically getting their white papers financed. You had companies that were trading off of clicks. So I lived that. Anybody who is of a younger generation has no idea what a bubble is, and it’s specious and pedantic for them to use that term when they have no clue about what they’re talking about. But you did mention that it could become a bubble. How do we know when it does become a bubble? Oh, it’ll become a bubble. Well, when, when, when you know, the, what, what I am looking for is, you know, when we, when the good investment opportunities start to dry up, when liquidity starts to dry up. So what I, it’s not about valuation, to me it’s about liquidity. So in 2000, what, and I’m roughly speaking, what went down was you had all these companies that were trading at Strat catastrophic valuation, this stupid valuations, and you walked in one day and they didn’t get financing. And if you read the prospectus or you followed the company, you knew that they were not going to be free cash flow positive for another two or three rounds of financing. All of a sudden you walked in and everybody goes, oh my God, this thing, you know, trading at 250 times sales. And everybody went, yeah, of course. And so what it was is, was when does liquidity dry up? So I’ll give you a date, um, you know, with Trump’s big beautiful bill act. 100% tax deductibility of CapEx and that goes until Jan 1, 20 31. So to me, that’s a very motivating factor for people to, um, invest. The last thing I would say to you in more of a game theoretic context book is, look, if you are a big tech company and you don’t invest in ai. You are ensuring your death. Yahoo, Hela Packard. I can go through the list of companies that cease to invest, so they’re looking. If it was you and I when we were running this company, I would say, dude, we gotta invest because if we don’t have a poll position in this next platform, whatever it is, we’re done. We’re toast. And I think that’s why you’re seeing all these hyperscalers spending as much money as they are. ’cause they get this, they saw it. So, you know, you framed ai not necessarily as a a tech trade, but as a capital expenditure cycle. Can you explain that to people? Well, what we need to do is we need to build out the infrastructure of ai. Then, and that’s the phase that we’re in right now. So it’s more like we’re building out all of the railroads, the railway tracks and the railway stations across the United States back in the 18 hundreds. And then we’re gonna go through that building phase. And then as that building phase goes, some companies, some towns, are going to basically realize and recognize what’s happening and start to basically take ai. Bring it into their business model, into enhanced margins. Right. So right now we’re building it out. I mean, you know, we all focus on the hyperscalers, but the majority of companies, pardon me, governments. Individuals, they haven’t used AI and, and what is interesting about this is back in the nineties, they were talking about how the internet had to evolve to be much more. You know, uh, have critical thinking in, in, in it. And it was more explained when you went to these conferences, as you know, you know, think about this. You’re hearing this in 99, okay? Not today. You go in and you ask Google or dog pile at the same time, or excite, okay? You would say, I wanna go to Florida in the third week of March and I wanna stay here and I wanna spend this amount of money and I wanna rent a car. Plan it for me. And they would come back and they would tell you that it would come back and it would, it would, everything would be there. And you would have your over here and all you would have to do is drop your money and you had your thing planned. So none of this is as, it’s aspirational, but we’ve heard it before. And in technology, what happens is it’s not like it’s new. We’ve been talking to, I did machine learning in in graduate school. Ai, you know, I did neural networks and I’m a terrible Ian. This isn’t, you know, Claude Shannon wrote about this in 1937, right? But it’s about when does it hit, and so it was chat GBT. Can we argue, was that right? As an investor, it’s stop arguing, start investing. Then what you’ve gotta figure out, which is the question you ask, is when does the music stop? I think it goes until the end of the decade. You know, one of the things that, uh, is interesting about this, uh, AI investment, uh, it’s, it’s unfolding in a higher interest rate environment. Why is that detail so important? Understanding its significance? Well, it’s the cost of capital, right? And so this phase that we have right now. It’s funny you say that, right? ’cause our reference point is zero interest rates, right? Yeah, yeah. Right. That’s right. So, you know, you know, so, so think about this, what it happens right now. Now we’re in the phase where you’ve got these hyperscalers that instead of taking all their free cash flow and buying bonds and buying back stock, are increasing CapEx because there’s a great tax deduction on it. So you get a lot of, so we’re in this phase where, for where, where a lot of the money is, you know, was. Was, let me, let me be clear, was a hundred free cashflow. Now we’re getting these guys, these companies like Oracle and what have you, you know, starting to issue debt and look at debt isn’t bad as long as the rate of return on debt is higher than the interest rates. And so, you know, you know, I, I would say historically speaking, for a lot of these high quality names, the interest rates are not, uh, at levels that will stop them from investing. Right. Right. You know, you’ve written that, um, productivity is ultimately the real story behind ai. So why does productivity matter more than the technology headlines themselves? Well, let me just put it this way, right? So we’ve grown, I grew up, I, I joined, I’m up here in Toronto, right? So I’m gonna give it to you in Canadian dollars, right? So I joined, I joined here. You know, I grew up here, went to the states, came back home. Growing this company I joined when we’re about three and a half billion. We’re getting close to 50 billion, and we’re the fastest growing independent platform in the country. I’m a one man band, right? I use three ai. In the old days, I’d have four research assistants. Where’s the margin in that? And so I, that’s how I see it. And let me be clear, it’s, you know, this isn’t we’re, it’s not perfect. But if I wanted to say, instead of you, but hey, write me a 2000 word essay on the counterfactual of what happened with railroads up until 1894 when the, when the bubble popped, give me a f, you know, a a thousand word essay and, and just a general overview. I can get that in less than five minutes. Michael Sailor is writing product on ai, which, which, which you would take, which you would take. He’s in his presentation, say it would take a hundred lawyers. So it’s gonna be more about those. And it’s, it’s no different than Internet of things or, you know, it was, uh, Kasparov that talked about this. Gary Kasparov talking about the melding of, of technology in humans. He would ran, run this chess tournament called freestyle. You could use a computer, you could use, you know, grand Masters. You could use whatever you wanted to compete. And who won? Well, who won it Was that those teams that were generalists that had a little bit of that, the knowledge of the computer and the knowledge of the test. Uh, o of chess, right? That’s what’s gonna happen. So this isn’t we’re, as far as I’m concerned, we’re not, yes, there’s going to be some d some jobs that are going to be replaced, but that is always the case in technology. I’m not a Luddite, okay? I am not Luddite. But the same point in time. I, I would suggest to you that it, it is just a really, for me, it’s a, helps me. Do research no different than when I was an undergrad and they went from cue cards in the, the library at the university to actually having a dummy terminal and I could ask questions in queue. You know, it stalked me from having to go to the basement of the library and going to microfiche. Right. Have helping that way. Now can it, can, will it do other things? I’m sure it is, and I’ll lead that to Elon Musk and the crew. You know, that’s above my pay grade. But for me, I see it as a very helpful way of, you know, allowing me to process and delineate. Much more information a a and not have me waste so much time trying to figure out what got went on in the past or, you know, QMF. Right. You know, summarize me the talk five, you know, academic papers in this area, what are they saying? And then they gimme the papers. Right. It just speeds the process up. Yeah. You know, um, one of the things that I’ve been sort of talking about and thinking about. Is that it’s hard to not see AI as a very, very strong deflationary force. Um, how do you think about that? Yeah. Technology is deflationary, right? Doubt about it. And so I look at it this way, Ray. Um, so I work at the financial services industry, okay. You know, Mr. Diamond of JP Morgan is talking about how they are starting to embrace blockchain and ai. They are going to cut out the back end of that in the, the margins in that, in that company by the end of the cycle are going to be fantastic. People just do not get in. You know, the financial services industry is built on a platform. Of the 1960s, dude. I mean, they’re still running Fortran, cobalt. So you know what I, how I look at this is much more as a margin type story, and there’s going to be a lot of displacement. But at the same point in time, I look at Tesla and automation and ai. And you know, people look at Tesla as a car company. I look at Tesla as an advanced manufacturing company. Elon Musk could basically go into any industry and disrupt it if it wanted to. Right. So that’s how I look at it. And so, you know, the hard part is going to be, you know. Nothing. If we get back to where we were, it’s not going to be perfect, right? Because here’s, here’s where the counter is, here’s where the counter is. Right? If you, if, if you think about, and we’re, I’m gonna take Trump outta the equation and ent outta the equation right now, but if we just went back to the way things were before COVID, we would have strong deflationary forces. Okay. Just with demographics, just with excessive levels of debt. Just with, you know, pushing on a string in terms of, in terms we couldn’t get the growth up, you know, and, you know, and the overregulation of financial institutions. Trump and descent are basically applying what’s called supply side economics, and they’re deregulating. It’s says law, which is John Batiste, that says basically supply creates his own demand and it’s non-inflationary. But really what they’re going to try to do is they’re going to try to run the economy hot and they’re gonna try to pull this way out of the debt. And if you do that and you deregulate the banks. And allow the banks to get back to where they were before the financial crisis. Okay. You know, and, and the Fed takes its interest rates down to neutral, expands the balance sheet. Then I don’t think we’re gonna go back to the zero bound in deflation. I think this thing’s gonna run hot for a long time. And I think it, the real question is, is, is is 2 75 in the United States the neutral rate? I think it is. Uh, but as, as, as Scott be says, and, and, and, and, and let’s be clear, buck, the guy’s a superstar. Okay. Guy is a legend. Just you sit there, just shut up and listen to him. Okay. They keep up, right? Well, so they’re gonna run it hot, but where we are is, in his words, mine, not mine. We’re still in this detox period, you know what I mean? We still got the Biden era. We still got, you know, a over a decade of excessive ca of Central Bank intermediation. That needs to get, you know, go away. So what I say, and what I’ve been writing about is 26 is going to be the year that the baton is passed back to the private sector. Let’s get rates down to 2 75. That’s, I mean, I’m going off the New York Fed model. That says real fed funds, the real, the real neutral rate is 75 to 78 basis points. I think inflation’s at two. That that gets you 2 75. Get the rates there and then get the balance sheet of the Fed to the level so that overnight lending isn’t loose or tight. It’s just normal. And then step back, go away and let Wall Street and the private sector create credit. Create economic growth and let’s get back to the business cycle. And if we do that, we’re gonna have non-inflationary growth. It’s gonna be strong, but we’re not going back to the zero bound and we’re gonna grow our way out of this. And so that’s where I get really excited about. This is a very unique time in history. A very, very, very unique time in history where, and I don’t know how long it’s going to last because of the compression that we have now because of the, you know, we live in such a digital world, but let’s say it’s five years demographic says it’s to 33, 32 to 33. That’s, you know, that’s how long this run is. And, and to me, uh, AI is a massive play. I, I, to me, blockchain is a massive play and to me it’s to those countries and companies that get it is, whereas investors, we wanna think, start thinking about investing. Yeah. You mentioned, um, non non-inflationary growth. Can you drill down on that a little bit just so people understand a little bit where. Usually you think of an economy running super hot, you, you think automatically there’s an, you know, an inflationary growth. So I want you to think in your mind into your list as think in your mind. Go back to economics 1 0 1 with the demand curve. In the supply curve, okay? And there are an equilibrium. And at that equilibrium we have a price at an equilibrium, and we have an output as an equilibrium. Okay? Now what I want you to do is I want you to keep the demand curves stagnant or, or, or anchored. Then I want you to shift the supply curve out. Prices go down, output goes out. We can talk all this esoteric stuff, you know, you know Ronald Reagan and, and Robert Mandel and supply side economics. But it’s really your shift in the supply curve out, and that’s what, and that’s what BeIN’s doing. I mean, this is a w would just sit down and be quiet. He’s talking about, you know, what is deregulation? He’s pushing the supply provider. Oh, hold on. My phone. My, my thing. And what did, since the two thousands, what did, what was the policy? It was kingian, it was all focused on the demand curve. Everything was focused on demand. And so all we’re doing is we’re, we’re getting the keynesians out. I use 2000 ’cause that’s when Ben Bernanke really came in and was very influential. Let me just say he’s a very smart, I learned so much from reading. Smart, smart, smart, smart guy. But his whole thing was Kasan. He came from MIT, his thesis supervisor was Stanley Fisher, right? We’re going back to, you know, Mario Dragons thesis supervisors, Stanley Fisher, all these guys came from MIT, Larry, M-I-T-M-I-T, Yale, and Princeton. Whereas previously it was the University of Chicago. It was Milton Friedman. It was, it was supply side economics. We’re going back, they’re going back to supply side economics and right now we need it. We need balance. But my god, what did we end off with? We ended off with four years of mono modern monetary theory. Deficits matter. That’s insanity. You had mentioned a little bit, uh, you, you’ve talked about blockchain a few times here. Talk about the significance. I mean, it’s sort of, you know, blockchain was a thing that everybody was, everybody was talking about it, you know, three, four years ago, but now it’s all about ai. But you know, now you’ve got, um, but in, but in the background, blockchain has grown, uh, adoption has grown. Uh, tell us what’s going on there, and if you could tie it into the significance of, of where we’re at today. Yeah. Um, uh, Jeff Bezos gave a wonderful speech, I think in two thou, early two thousands, where he basically talked about the fact that, you know, once this innovation is led out of the genie’s, led out of the bottle, whether or not, you know, buck and Jim, like it as an investment, the innovation continues. And so after the internet bubble pop, right? Really smart guys like Jeff Bezos, uh, Zuckerberg, you, you, the whole cast of characters, right? Basically built it out. Okay. And it wasn’t perfect and everybody knew it wasn’t perfect. I mean, that was the whole thing that was so bizarre. But they knew it wasn’t perfect and they knew that they needed to solve some problems. Right. And you know, it was a double spend problem. I mean, the internet that we were dealing with right now was developed in the 1950s and so on and so forth. And so, you know, that always stuck with me. Right. A couple of things stuck with me because I’ve lived through a couple of these cycles. The first one is Buck. When the, when Wall Street coalesces around something just shut up and buy it, right? I mean, I, I spent too much of my life arguing about whether dog pile and Ask Gees was better than Google. Wall Street said Google was the best. Shut up. Invest, right? And so, so look, blockchain solved the double spend problem. Blockchain solved all the problems that the original iteration of the internet could solve, and everybody knew it was coming along okay. So it’s a decentral, it’s decentralized, right? Uh, does, does not need to be reconciled. So no. Not only do you have another iteration of the internet. You have basically introduced into society the biggest innovation in accounting or recordkeeping since double entry. Bookkeeping accounting was introduced in Florence, Italy centuries ago by the Medicis and, and buck. All this is out there like, so this is a profound, right? So think about you’re in an accounting department and you don’t have to reconcile, right? So look. The first use cakes was Bitcoin. And what was the, what was the beautiful thing about it? Well, first off, it grew up by itself. And secondly, it’s got perfect scarcity, right? And so let’s just full stop. And I mean, yes, gold and silver had the run that they should have had decades. So I had been waiting and listening to people, gold bugs, talking about this type of run since the nineties. Okay. Um, but look, you know, and the problem with fi money, right? I mean, this is, this goes back decades. It’s an old argument. The way you solve it is, is Bitcoin. That’s the solution. I mean, forget about it. I mean, if they’re gonna whip it around and do all this stuff, fine. But the other thing that people miss and Sailor hasn’t, and Sailor is brilliant, is look. Bitcoin is pristine collateral in 2008, in September. What caused the, the system to stop was the counter. We could not identify counterparty risk for near cash. It was a settlement problem. Anybody you talk to Buck that says it was, you know, the subprime this and it, yeah, that was crap. I get that. But when the system shut down is you had a $750 million near cash instrument with X, Y, Z, wall Street firm, and you did this for three extra beeps and it was no longer cash. Guess. And guess what? Your institutional money market fund broke the buck. That’s when the system blew sky high. When the money market broke the buck and it was a settlement problem, blockchain and Bitcoin solved that. Sailor knows that, look where Wall Street’s gonna go. They understand now that. Bitcoin is pristine, collateral and capital that is 100% transparent. Let’s lend against it, and that’s what Sadler’s doing. That’s why Wall Street hates the guy so much, right? Think about that. Think of where is he going after he’s going after all the stranded capital on Wall Street. And, and the whole point is he’s sitting there going, I’m too busy for this. And you’ve got all these other people that are gonna live off of other people’s ignorance. Meanwhile, Jing Diamond knows exactly what he’s talking about. We can identify, if I hear one more person on me in, in the meeting say, I don’t know. You know, you know, uh, micro strategies balance sheet is so complicated. Really. Compared to JP Morgans, I mean, you know what his capital is. It says Bitcoin, like, what are you guys talking about? But hey, fucking in this business, people make generational wealth on ignorance of people who think they know what they don’t know. So, you know, just going back to Jamie Diamond, you know, he spent, I don’t know how long. Throwing every insult, uh, he could towards Bitcoin. And now they’ve really kind of, they haven’t backtracked. I think he’s, he’s, you know, his, his, um, I think the way he phrases is the blockchain’s a real thing. He never seems to really say the word Bitcoin, uh, in this regard. Um, banks in general, where do you think they’re headed with this stuff? I mean, I, you know, right now, again, you can kind of see even. Um, I think, you know, some of the big advisory firms suddenly recommending one to, you know, one to 4% of people’s portfolios in Bitcoin. I mean, this is all, I mean, gosh, I, I’ve, you know, been talking about Bitcoin since 2017. This is in unbelievable transformation in less than a decade. Where do you see this going in the next five to 10 years? It’s called the, it’s called, what is it? It’s called, I’m gonna call it the Evolution of Jim. Me, you know, in my business and, and, and, and you know, the thing I have book is I’ve survived and I’ve gone through a lot of cycles. I’ve done a lot, you know, and you ask yourself, you scratch your head a lot and you’re, and you, but you’re continually doing objective research and you’re this, if you, this is why I love this game so much. Right? So let’s just go stop for a second. Let’s get some context. Right. My first summer job, one of my first summer jobs, I worked in the basement of a bank in the in, in downtown Toronto, right up the street from the Toronto Stock Exchange. And my job was to let guys in with beak, briefcases into the cage, into the big vault, to basically bring in certificates. Okay. And, and what? Stock certificates. And so remember, you know, and I remember my grandfather when we, when he died, look at, we couldn’t sell the house because he didn’t believe in the banks. And we were finding certificates all over the house in the walls. Okay? Right. So in the 1960s it was bare based. The whole industry was bare based. And there was the volume in Wall Street started to pick up to the point where they couldn’t handle the volume. There was a paper crisis where almost a third of the companies went down bankrupt because of the cage. The cage. Okay. So basically what happened was, to make a long story short, they came out with, they came, Hey, why don’t we get two computers At one point in time, they said, okay, crisis. Let’s solve it. Well, why don’t we get these two computers and we can solve, or we can sell trades among, amongst each other. Okay. And then we don’t need to have guys riding around Wall Street with bicycles and big briefcases. Okay. And then what we did was, what we did was we sat there and said, well, why don’t we have a centralized clearing, and we’re gonna call it DTC or CDS, depending on what country you’re in. And what we’re gonna do is we’re gonna offer paper, we’re gonna, we’re gonna issue paper rights to the underlying stock that was developed in the early 1970s. That’s the system that we’re on right now. There are a lot of faults with that. Let me give you, when you’ve talked about the GameStop a MC situation, when you have a company that’s basically have more shares outstanding short, sorry, more shares short than outstanding, that shows you that the old system doesn’t work. It’s called ation. The paper writes to the underlying assets, it, it doesn’t match up. There have been guys that make a career outta this and write books about this, right? Dole Pineapple. They had a corporate, a corporate event, right? Hostile takeover. 64,000 for 64 million shares, voted, I think, and there was only 3,200 on. We all know this, so this has to be solved. The way you solve it is you tokenize assets, and this was talked about a decade ago, and they know about it and true tofor, they, and if you’re thinking about it, it’s totally logical, right? But if we allow this innovation to go full stream ahead, we’re wiped out, right? So what did they do? They delayed. They delayed. And as you know, you could talk about, it’s called Operation choke 0.2 0.0. Right. You know, the Fed overreached their bounds, they de banked people. I mean, this is why, why Best it’s going after them. They, yet they stepped over their constitutional mandate. Right. The federal, the Fed Act is not, uh, does not supersede the US Constitution. Elizabeth warned the whole thing. They did it. Okay, so let’s not complain about it. So now Atkins is gonna, we’re gonna have the Clarity Act come out and they’re gonna basically deregulate New York Stock Exchange already there. They’re gonna put everything on the blockchain and when you put everything on the blockchain, trade a settlement. There’s no hypo. Immediate settlement. Immediate, which is a benefit if you can get your act together because it, you know, for Wall Street firms you need less capital, right? So it’s a natural evolutionary process. And then you sit there and go back in history, if you and I were writing it, we’d sit there and go, well, should we be surprised that the incumbents right, the status quo pushed back on innovation? No, there was a guy, there was a prophet, um. At, at Harvard, his name was Clay Christensen, and he wrote this wonderful book called The Innovator’s Dilemma. You know, why does, why don’t companies evolve, or why do they go bankrupt? It’s because they cease to evolve and the status quo doesn’t allow the evolution of the companies to take place. Right? Well, that’s what happened in RA. We’re gonna complain about it. No, it, it is what it is. It’s water under the bridge. And so what I think is happening is, you know, Mr. Diamond is basically saying. He’s pragmatic, he’s a realist. And now he’s saying, we gotta evolve. And hey, by the way, now I’ve gotten to the point where I think I can make a tunnel. Think about that. Yeah. Think about his own stable coins, right? So his own stable coins. And, uh, well think about this. If you trade like internal meetings, right? And I’m hyped this hypothetical, right? I go, fuck, don’t screw this up this time. And you’re gonna go, Jim, what are you talking about? I go. We want a nice bread between bid and ask in these financial price. We don’t wanna go down to pennies. Okay? Can we go back to the old days when we were, you know, trading in quarters and sixteenths and so we can make some skin in the game? I think you’ve got the deregulation of the banking industry where the banks are gonna, they’re fit. It’s gonna be baby steps. But what’s gonna happen is they’re gonna basically say, stop taking all that capital that’s sitting at the Fed, making four or fed funds rate overnights wherever it’s four half, 3 75 right now. And you can now trade it. Go back to prop trading, which is what they did. And they’re gonna start off, they will start off with, its only treasuries. Eventually they’ll be able to expand throughout our lifetime. So the old way you gotta look at it is, you know. We’re bringing the ba, you know, we’re putting the band back together, man. Right. And the banks are gonna deregulate, they’re gonna deregulate the banks, they’re going to innovate, they’re gonna be able to use the capital, their earnings profile going out into the end of the decade. It’s, it’s gonna be monstrous, it’s gonna be, you know, it, it’s, it’s, and, and that’s how I get, you know, when people say, where do you think the s and p goes? You know, I say, you know, 14,000, you know, double from here by the end of the decade. And he goes, well, what about ai? I go, well, they’re gonna, that’s important, but it’s the banks. I think the banks are gonna have a renaissance. Yeah. Yeah. Um, one thing just to get your thoughts on, so when you look at the banks, you talked about sort of the inevitability of tokenization. Um, the stock exchange, uh, we talked about stable coins. I mean, another great way for banks to make money. Uh, essentially where does that, how, how does that help or hurt Bitcoin adoption? Because Bitcoin is a sort of a separate, separate, you’re not, you’re not building on Bitcoin as much as you are, say, Ethereum, Mar Solana or, you know, some of the, some of the blockchain things. So, so is it just that. Is it just a, an adoption issue? Because you live in a, in a different world. You live in a world of blockchain and Bitcoin is, its currency. It’s weird, right? Because I, I’m writing this feed like, so Buck, where are you right now? Where, where, where are you located? I’m in Santa Barbara. You’re in California. So, yeah, so I’m in Toronto, right? Uh, you know, I lived in, worked in the States for, you know, a decade, a couple of decades, and I’m back home and it’s like, man, they don’t get it. Right, and, and, and, and what am I talking about? Well, well, this, this is the, the thing that you’ve gotta understand is this, right. Ethereum was invented by Vladi Butrin in this town, Joe Alozo, who’s the head of one of the largest Ethereum groups. Father is a dentist at Bathurst and Spadina. We’re up here and people are saying, oh, you know, president Trump don’t talk about being a 51st state. We act like a colony, duke. We are a, you know, we forget about calling us one. We are. So, look, it, look, there is no doubt in my mind that Ethereum is going to have a place and, and we’re going to use it. Seems like we’re going to use Ethereum and that’s the smart contract, you know? Um. And that’s fine. Um, you know, but going back in time. But, but remember, there’s not per, there’s not perfect scarcity there. So I like Ethereum, don’t get me wrong, but I look at Bitcoin and I look at the, I look at the scarcity, and I also look at the fact of, you know, what sa, what Sailor, if you sailor did a presentation in the middle of next year and all hell broke loose. What he did, and it’s, you know, and of course I’m hypothesizing. He basically went to New York and said, I am going to create fixed income products and I am going to give yields. On those products, and I’m coming after the stranded capital that sits on Wall Street that you guys have been ripping on for years. In the middle of last year, staler went public and declared war. Okay. Are we surprised that Jim Shane Oaks came out and everybody came out basically guns a blazing. Are we surprised? But what he, what Sailor did and put and slammed on the table is it’s pristine capital, it’s transparent capital. And what are you willing to pay for that? And now you GARP banks trading at. We have no idea what their capital structure really is. Honestly, we have an idea, but it’s very opaque, right? You know, the high quality names are trading at two, two to, you know, two times tangible book. You’ve got fintech’s companies trading at four to five times, right book, and you know, what’s Sailor doing right now? Diluting his stock so he can buy as much Bitcoin as he wants because he sees the next game. He says the hell with what you guys think the next game is going to be. Wall Street’s going to realize that Bitcoin is pristine capital and there’s only 21 million of it. What do you and, and what just happened today? What did Morgan Stanley just file a treasury company. So everything you and I are talking about, they know they’re smart guys, right? They’re real, they’re not. That’s, this is the whole point. They’re really, really, really smart. Okay. They see they’ve gone through the history. They know. Okay, so you’re sitting there, you get around the room, you say, so wait a minute. Wait. Whoa, sailor’s over here. And he’s basically saying he’s gonna give you a a pref that’s basically backed by Bitcoin charging 10%. And he’s going after our corporate clients. I mean, and what’s the pitch Buck? You’ve got a hundred million dollars. Okay, you got a hundred million dollars in the kitty. Okay, buck. What happens is you need $10 million a year for working capital, which is in cash, which means you’ve got $90 million sitting there idle. Hey, buck, I can give you 10% on that. You go to Jamie, he’s giving you two. What are you gonna do? Yeah. I think one of the issues right now is I the, the perceived risk profile of that. Right. Uh, you know. I tend to agree with you about the, uh, pristine nature of Bitcoin s collateral, but just in general, the perception. I don’t know that, that that’s. That’s the case. Well, you gotta go back to the fact that, do you think Bitcoin’s going to zero or not? No, of course not. Yeah. ‘ cause the Bitcoin doesn’t go to zero. There’s no, then, then that are, there’s Bitcoin could go to zero. There’s no, I mean, I don’t think, I mean, non-zero probability, of course, right? I don’t think it is. And if that has been, if it has been selected and now you have Wall Street coalescing it, I haven’t even mentioned the president of the United States or his family. Right. Uh, or the Commerce Secretary and his family, right? Or if you go to New York, wall Street, right, they’re all talking about it, right? So, I, I, you know, to me, I, I, the question about micro strategy, to me it’s not. That it’s a treasury company and it’s got a pile of Bitcoin. What does he do with it? Does he become a bank? Like why does it, this is me. I’m pitching him. Right. Hey, Mike, why don’t you just become a FinTech, say you’re like a FinTech company and you’ll get, and you, you’re gonna instantaneously trade it five to six times book. Why don’t you, why are you, you’re talking like you’re attacking them, but you’re still, you’re still a software company with a, with a big whack of Bitcoin that you are writing pres. Right? So, and, and so that’s, that’s how I look at it. I think the wave is too big. We are going to digitize. And the other thing that we didn’t really touch on with respect to AI and blockchain, and I’m gonna paraphrase the president. Right. Um, Mr. Trump is, look, um, it’s a matter of national security, duke, and when I hear that, I go back to the nineties in the eighties when I was in late eighties when I was an undergrad. Right. And it wasn’t China, it was Japan. And, and you know, what happened was, you know, it, it’s funny, Al Gore did deregulate so that. The internet could become for-profit. We all stood around and said, you know what the hell could, how do we make money on this? That’s, you know, what do we do? And then what did we do? We, we, we threw a ton of money at it and the United States controlled it. And what did we get out of it? We got out, we got, you know, all those companies. Right. The last thing I would say to you, and this is much more of a personal story, is I, when I was younger, I was in New York and it was 2000 and I was at the Grand Hyatt, and it was a tech, it was a tech conference and, uh, Larry Ellison Oracle was there and he gave a, he gave a, he gave a a, a fireside chat. Then, um, we go to a breakout room and, you know, in a break, I don’t know about if you’ve been to one, but you go to a breakout room, it’s a smaller room at the hotel, and you know, sometimes you got 25 people, sometimes you got 50 people, right. And, you know, I went to the, I went to the breakout with Mr. Allison ’cause of Oracle and I went in there and it was absolutely jammed and I was sweating and he just looked at us and he just ripped us. He AP Soly, just, I still have the scars today. I’m talking to you about it. Okay. He called it a bubble. He called it a bubble. He, he was early in calling it a bubble. I never forgot that. And then you sit there and see what he’s doing right now. Where he’s levering up the balance sheet. Now, to me, having survived in this game for such a long period of time, and I call it a game, it’s a game of strategy, whatever, you know, how does that not, you know, I would say to you, we were, your office was next to mine. Fuck. I remember New York, he’s loading the goose loaded in. He go in, he’s borrowing money from his grandmother. He’s, you know, what is going on. And he’s really stinking smart. You know, he’s, he, Larry Allenson just doesn’t do, and people, oh, he’s in, you know, he’s, no, he’s not, he’s, he’s like the mentor of all of these guys. You know what I mean? So there’s a, to me, there’s a discontinuity that these need to believe that we’re still early on because you know, what, if Larry’s, what do we take when Larry or Mr. Ellison is leveraging up to me, it’s profound because I’m anchoring off of my bias to the New York, the New York high at, at the Tech Co. I think it was, I think it was at Bear Stearn. I couldn’t remember Bear Stearns or Lehman. But you know, one of those I carry that experience on with the rest of my life. I do. It’s like, what is Larry thinking? Right? So he’s leveraging up buck. That’s all I know. He’s a priest or guy. Well, that’s probably a good place for us to stop, Jim, uh, chief, uh, market strategist at Wellington Elta Private Wealth. Thank you so much for joining me. Thanks so much and be safe. You make a lot of money but are still worried about retirement. Maybe you didn’t start earning until your thirties. Now you’re trying to catch up. Meanwhile, you’ve got a mortgage, a private school to pay for, and you feel like you’re getting further and further behind. Now, good news, if you need to catch up on retirement, check out a program put out by some of the oldest and most prestigious life insurance companies in the world. It’s called Wealth Accelerator, and it can help you amplify your returns quickly, protect your money from creditors, and provide financial protection to your family if something happens. The concepts here are used by some of the wealthiest families in the world, and there’s no reason why they can’t be used by you. Check it out for yourself by going to wealth formula banking.com. Welcome back to the show everyone. Hope you enjoyed it. Uh, and, uh, as I said before, do not ignore ai. This is something that you need to start using. Have your kids start using it. Uh, make sure that they, you know. They use it every day because this whole world is turning AI and it’s gonna happen. You know, it’s gonna happen in, in a blink of an, uh, blink of an eye. And the world is gonna change and there are gonna be real winners out there. And the winners are gonna be people who knew where there was, was going and kind of used it in their mind’s eye as they looked on navigating how. You know how to allocate their money. Anyway, that is it for me. This week on Wealth Formula Podcast. This is Buck JJoffrey signing off. If you wanna learn more, you can now get free access to our in-depth personal finance course featuring industry leaders like Tom Wheel Wright and Ken McElroy. Visit wealth formula roadmap.com.

Bonjour and Hello, In this episode, Cory Connors interviews two standout winners of the Paris Packaging Week Future Leaders Program—Danielle Goad and Nicole Toole—to explore their journeys, innovations, and perspectives on the future of sustainable packaging. Danielle shares how discovering packaging at Cal Poly led to a global leadership role at SpecRight and her upcoming move to London as she builds the EMEA region. Nicole recounts founding ECGO as a college project and transforming it into an AI‑powered recycling education and behavior‑change platform used by students, universities, and brands.Both leaders reflect on being recognized among the top ten emerging leaders worldwide and discuss the importance of global collaboration, consumer behavior insights, regulatory preparedness (PPWR & EPR), and inspiration from younger generations. They share what they're most looking forward to at Paris Packaging Week—from innovation zones to reuse concepts to the energy of an international community passionate about packaging.Key Topics Discussed:Danielle's path from student to global leader and her work scaling SpecRight internationallyNicole's founding of ECGO and the role of AI, incentives, and data insights in improving recycling behaviorsThe significance and impact of being named Future Leaders by Paris Packaging WeekEvolving sustainability messaging and the shift toward value‑driven, consumer‑relevant communicationThe rapid pace of regulatory change and the industry's need for continual education (PPWR, EPR)Cross‑industry collaboration and the packaging sector's tight‑knit, globally connected natureExcitement about innovations in reuse, sustainability tech, and meeting global peers at Paris Packaging WeekResources Mentioned:SpecRight – Specification management platformECGO – AI‑powered consumer education and recycling platformParis Packaging Week Future Leaders ProgramContact:Danielle Goad:LinkedIn: Danielle GoadEmail: danielle@specright.comVisit SpecRight at their stand in the PCD space during Paris Packaging WeekNicole Toole:Website: ecgo.coLinkedIn: Nicole TooleClosing Thoughts:Cory, Danielle, and Nicole highlight the tremendous momentum building within sustainable packaging—driven by young leaders, new technologies, data‑driven insights, and global collaboration. They emphasize that meaningful industry change requires education, curiosity, and fresh thinking from every generation. Both guests hope their recognition as Future Leaders inspires other emerging professionals to share ideas boldly, challenge the status quo, and pursue innovative solutions that reduce waste and improve the planet.Thank you for tuning in to Sustainable Packaging with Cory Connors!https://anewearthproject.com/collections/new-earth-approvedhttps://www.linkedin.com/in/cory-connors/I'm here to help you make your packaging more sustainable! Reach out today and I'll get back to you asap. This podcast is an independent production and the podcast production is an original work of the author. All rights of ownership and reproduction are retained—copyright 2022.

Guest Randy Landreneau, USInventor.org, joins to discuss ongoing policy conversations to protect innovators and inventors in the US from big corps. Do we have the proper protections, and why is the US falling behind other nations with new technology?  Another public school punishes students for supporting President Donald Trump. When could we see the end of the Federal Dept of Education and reforms within the public school system?

On episode 447 of Animal Spirits, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ben Carlson⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ discuss Jerome Powell, credit card rates, the institutional ownership of homes, lowering mortgage rates, how to fix the housing market, AI vs. the labor market, the broadening out of the bull market, the growth in sports gambling, where housing is still affordable, circular private equity deals, why TVs are so cheap and much more. This episode is sponsored by Innovator. Learn more at  https://www.innovatoretfs.com/pdf/ddq_product_brief.pdf Sign up for The Compound newsletter and never miss out: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠thecompoundnews.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Find complete show notes on our blogs: Ben Carlson's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠A Wealth of Common Sense⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Michael Batnick's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Irrelevant Investor⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Feel free to shoot us an email at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠animalspirits@thecompoundnews.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ with any feedback, questions, recommendations, or ideas for future topics of conversation.   Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Ben Carlson are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Wachstum ersetzt Unübersicht: digital kompakt erfindet sich neu, mit klaren Themen, greifbaren Formaten und der Erkenntnis, dass echte Entwicklung mehr braucht als unendlichen Input. Künftig dreht sich alles um Business, Selbstverwirklichung und Gesundheit – persönlich, ehrlich, kompromisslos. Jede Folge hilft dir, Erfahrungen anderer für dein eigenes Level-Up zu übersetzen, statt dich im Podcast-Dschungel zu verlieren. Willkommen im Next Level für Menschen, die mehr wollen als nur Wissen. Du erfährst... ...wie digitale Transformation und Wachstum bei digital kompakt neu definiert werden. ...welche drei Dimensionen erfolgreiche Menschen in ihrem Leben meistern. ...wie du mit inspirierenden Geschichten und Learnings dein nächstes Level erreichst. __________________________ ||||| PERSONEN |||||

Alan Brunton is redefining the role of audio in human health, education, and performance. From pioneering restaurant ventures and media productions to groundbreaking audio technology, Alan's journey reflects a rare blend of entrepreneurial drive, creative vision, and scientific innovation. His company, Cymatrax, stands at the forefront of a global movement to harness sound not only for entertainment, but for measurable improvements in cognition, wellness, and neurological therapy. Links https://cymatrax.com If you're enjoying Entrepreneur's Enigma, please give me a review on the podcast directory of your choice. The show is on all of them and these reviews really help others find the show. iTunes: https://gmwd.us/itunes Podchaser: https://gmwd.us/podchaser TrueFans: https://gmwd.us/truefans Also, if you're getting value from the show and want to buy me a coffee, go to the show notes to get the link to get me a coffee to keep me awake, while I work on bringing you more great episodes to your ears. →  https://ko-fi.com/entrepreneursenigma Support me on TrueFans.fm → https://gmwd.us/truefans. Support The Show & Get Merch: https://shop.entrepreneursenigma.com Want to learn from a 15 year veteran? Check out the Podcast Mastery Community: https://www.skool.com/podcast-mastery/about Follow Seth Online: Instagram: https://instagram.com/s3th.me LinkedIn: https://www.linkedin.com/in/sethmgoldstein/ Seth On Mastodon: https://indieweb.social/@phillycodehound The Marketing Junto Newsletter: https://MarketingJunto.com Leave The Show A Voicemail: https://podcastfeedback.com/entrepreneursenigma Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us a textThis episode dives straight into the conversation every educator and leader needs right now: How AI is reshaping coaching, leadership, and the way we build an Innovator's Mindset in schools.Becca sits down with George Couros, world-recognized educator and author of The Innovator's Mindset, to unpack how AI can support real human-centered leadership instead of replacing it. Together, they explore how AI can fuel curiosity, deepen critical thinking, and expand teacher and student agency when used with intention.You'll hear George break down:Why innovation is not about technology, but about creating “new and better” ways of learningHow leaders can build ownership by giving real choice and voiceHow AI tools like ChatGPT can save hours of time while strengthening reflection, planning, and connectionWhy discernment is now a core skill for educatorsHow teachers and leaders can model meaningful AI use before bringing it to studentsWhat the rise of AI search means for school leadership, professional learning, and even hiringThis conversation mixes practical AI strategies, mindset shifts, and real talk about the skills educators and students need in a world where information is easy... but wisdom isn't. If you're a coach, teacher leader, or administrator wanting to use AI without losing the human heart of your work, this episode is your new favorite.Check out more about what George is up to on his website!Download the FREE Human BINGO card, here!Start with connection, and everything gets easier from there!Let's Stay Connected!Website | Instagram | Twitter | Linkedin | Facebook | Contact Us

In this inspiring episode, we celebrate the power of curiosity, inclusion, and innovation for young readers and families! Host Jed Doherty first welcomes Dr. Ainissa Ramirez, scientist and author of "Spark: Jim West's Electrifying Adventure and Creating the Microphone." Ainissa shares how modern microphones owe their magic to Jim West's inventive mind and explains how science is all about asking questions, exploring, and making discoveries—ideals she brings to her children's books to inspire the next generation of diverse innovators. Next, we meet Zephyrus White, co-founder of the Recordable Book Buddy, a clever device letting parents, grandparents, and loved ones record themselves reading picture books for the special kids in their lives. Zephyrus chats about the importance of family connections, the joy of sharing our voices, and how technology can bring storytime home—no screens required! Finally, author and illustrator Kacey Becker joins the conversation to share "I See Superheroes Everywhere," a heartfelt picture book designed to prevent bullying and empower children with special needs. Kacey discusses the importance of empathy, the value of every kind of ability, and her personal mission to see every child recognize their own superpowers. With friendly stories, fascinating science, and a big dose of heart, this episode offers parents, educators, and kids new ways to explore, connect, and grow together.

I'm gonna do a little series here called "The Inches Are All Around Us," and in this series, at least to start, all of the inches I'm gonna mention are full-on administrative waste—waste that is particularly egregious because it has nothing to do with patient care. That's why when Shane Cerone said, "The inches are all around us" in episode 492 about hospitals and hospital prices, I really perked up. Because by fixing this friction, this administrative waste, we can actually improve patient care and reduce costs simultaneously. For a full transcript of this episode, click here. If you enjoy this podcast, be sure to subscribe to the free weekly newsletter to be a member of the Relentless Tribe. Along these same lines, I have also heard Zack Cooper, PhD, talk about the 1% steps to healthcare reform project, where he's like, look, find 10 or 30 or whatever 1% problems, and you'll probably transform healthcare faster than if you're trying to find a 10% or 30% solution. So, same idea. And finding these inches, these 1 percents, even in and of themselves, it's big dollars when it comes to how much the U.S. spends on healthcare, which is, by the way, projected to reach $5.6 trillion in 2025, according to NHE (National Health Expenditure) projections from federal actuaries. So, I decided to go on a bit of a quest for these inches—you know, get a bead on where they may be nestled for anyone looking on behalf of their plan or their country or their state maybe. To this end, also recall or be aware of the episode with David Scheinker, PhD (EP363). But David Scheinker in that episode gets into how much every industry pays something like 2% to administer a transaction. But in healthcare, the provider pays something like 14%, and the payer pays another 14% to submit and get paid for a claim, which is healthcare for a transaction. Don't get me wrong, it's the plan sponsors such as self-insured employers, members, and USA taxpayers who are ultimately paying for those two 14 percents. So that 28% of full-on administrative costs—most of which, we could agree, could go away and probably be better for patients, not worse—this, too, is coming out of the pockets of the ultimate purchasers of healthcare. Those costs are getting passed along. I say all this to say, to kick off this "the inches are all around us" exploration, I wanted to dig in a little more specifically into what goes on during these aforementioned transactions (ie, what this life of a claim kind of, like, looks like on the ground). I wanted to start here because, yeah, we haven't done this before; and this exploration is gonna continue into next week because we're gonna dip heavy into clearinghouses with Zack Kanter and what they do all day. And then after that, I'm talking payment integrity programs. I'm talking prepayment review programs with Mark Noel, because you know what? Employers don't wanna be bringing a knife to a gunfight. And I realized in the course of these conversations that any self-insured plan sponsor that is not doing, for real, payment integrity programs, for real, prepayment review, post-payment review.  I'm getting ahead of myself, but when you listen to the show next week with Zack Kanter, you will so totally see what I mean. Today, as I mentioned earlier, I am speaking with Mark Newman, who is the CEO and founder of Nomi Health. Nomi aims to simplify the act of buying and paying for healthcare for self-insured employers. Look 'em up if that sounds intriguing. I also do need to thank Nomi Health for so generously offering to donate to RHV to cover the expenses of producing this episode. So, thank you so much to Nomi Health. Okay, lastly here, just to set the basic framework for this conversation that follows, Mark gets into two main revelations, reasons that kind of sit behind all a large part of the waste and friction in healthcare transactions. Again, otherwise known as a claim getting paid. And these two reasons are data isn't data isn't data. In other words, as a claim moves through the system to different stakeholders, the data starts to change and morph and come and go. Different people have different use cases for that data, so it starts to get added and subtracted, but nobody really has the universal level to tote up the difference in any organized fashion. So, we talk about that first. Then Mark Newman doubles down with another reason for the friction and waste. Here's the second revelation: A dollar isn't a dollar isn't a dollar. And same kind of rules apply here. A plan sponsor might spend a dollar and, yeah, is that dollar spent or is that dollar accrued to spend? Which is kind of wonky, but also relevant. And if you didn't understand that, we'll get to it. And then just because a dollar gets spent doesn't mean the provider gets that dollar. And by the way, I don't just mean, oh, there's spread pricing. How shocking. I mean that a plan sponsor could roll up to a hospital and say, "We spent $10 million last year," and the hospital could say, "No, you didn't. You only spent five." And spoiler alert, in this case, it's not about spread pricing, although it might be. It's also about how much was the member responsibility that the members didn't pay. So, a dollar is not a dollar for a whole bunch of different reasons. This podcast is sponsored by Aventria Health Group, and today, it's also sponsored by Nomi Health. Also mentioned in this episode are Nomi Health; Shane Cerone; Zack Cooper, PhD; David Scheinker, PhD; Zack Kanter; Mark Noel; Aventria Health Group; Preston Alexander; Eric Bricker, MD; Sam Flanders, MD; Andrew Tsang; Sandra Raup; Stan Schwartz, MD; ZERO.health; Cristin Dickerson, MD; and Matt Christensen. For a list of healthcare industry acronyms and terms that may be unfamiliar to you, click here.   You can learn more at nomihealth.com or reach out to Mark at mark@nomihealth.com. You can also follow Mark and Nomi Health on LinkedIn.   Mark Newman is the co-founder and CEO of Nomi Health, on a mission to rebuild America's healthcare system to serve all stakeholders: providers, employers, and patients. A recognized healthcare innovator and entrepreneur, Mark previously founded and built HireVue into the world's largest provider of AI-driven talent assessment solutions before its acquisition by the Carlyle Group. His commitment to improving the healthcare system stems from a desire to address systemic issues that have long plagued the industry. Under his leadership since its inception in 2019, Nomi Health has focused on creating a more direct and transparent healthcare experience: reducing an organization's spend by over 30% per patient while increasing a provider's payments. Through Nomi Health, Mark continues to advocate for a more efficient, service-centered approach to healthcare that prioritizes known costs for employers, zero out of pocket for patients, and near-real-time payments for providers.   06:48 What is actionable to know about the life of a claim? 08:14 How data can change as it moves through the claims process. 11:45 Why a dollar isn't a dollar in healthcare. 18:50 Why employers are actually paying more than a dollar to access a dollar of healthcare (the medical loss ratio). 21:54 Why cutting out the "friction" is actually better for employees and members. 22:48  EP482 with Preston Alexander. 22:50 EP472 with Eric Bricker, MD. 23:36  EP490 and EP492 with Sam Flanders, MD, and Shane Cerone. 23:53 Infographic by Andrew Tsang showing 27 streams of income. 26:53 How do we fix these issues? 28:05 LinkedIn comment from Sandra Raup. 28:59 How Nomi Health is experimenting with a no co-payment, no deductible model. 31:29 INBW42 with Stacey on moral hazard. 32:26 EP486 with Stan Schwartz, MD. 32:31  EP485 with Cristin Dickerson, MD. 32:56 The Innovator's Dilemma by Clayton M. Christensen. 34:55 How does Nomi Health work with and help employers?   You can learn more at nomihealth.com or reach out to Mark at mark@nomihealth.com. You can also follow Mark and Nomi Health on LinkedIn.   @markhirevue discusses #plansponsor #healthspend and #clinicalorg pay on our #healthcarepodcast. #podcast #financialhealth #patientoutcomes #primarycare #digitalhealth #healthcareleadership #healthcaretransformation #healthcareinnovation   Recent past interviews: Click a guest's name for their latest RHV episode! Stacey Richter (INBW45), Stacey Richter (INBW44), Marilyn Bartlett (Encore! EP450), Dr Mick Connors, Sarah Emond (EP494), Sarah Emond (Bonus Episode), Stacey Richter (INBW43), Olivia Ross (Take Two: EP240), John Quinn

This week we're back at the Mpact Transit + Community Conference in Portland Oregon at the Mpact Innovators Poster Sessions.  We talk with young professionals about the transportation implementation and policy work they've been doing in the field including designing new transportation hubs, rethinking parking, and improving bus service. This week we're at the 2025 Mpact Transit + Community Conference in Portland Oregon and we're chatting with young professionals about their work that they presented at the Mpact Innovators poster session. The Innovators is an all-volunteer national networking group that organizes events and networking at the conference each year. Each of the interviews is about five minutes and we have a link to the posters in the show notes in case you want to follow along with the visuals.  I will note that the poster sessions occurred during one of the evening gatherings so you may hear a bit of background noise.  But there are some pretty cool ideas in here so hopefully you all stick around to check all 8 of them out. Cameron Thompson - Sisters East Portal Transportation Hub Veronica Mandasari - Reimagining Mill Avenue: What Tempe can Learn from Portland's Walkable Street Design Emily D'Antonio - TriMet Better Bus: Improving Reliability at Greeley and Going Eric Gasper - Bridgeless to Better Burnside Daniel Lambert - Pathways Transit Assistance Team (PTAT):  A Trauma-Informed Alternative to Object-Oriented Security on Transit Systems Ryan Martyn - Wasted Space: Using Parking Lots to Improve Neighborhood Completeness Jules Plotts - Employer-Centered Accessibility Model to Non-Dayshift Work Maddy Belden - Development & Datasets +++ Get the show ad free on Patreon! Follow us on Bluesky, Threads, Instagram, YouTube, Flickr, Substack ... @theoverheadwire Follow us on Mastadon theoverheadwire@sfba.social Support the show on Patreon http://patreon.com/theoverheadwire Buy books on our Bookshop.org Affiliate site!  And get our Cars are Cholesterol shirt at Tee-Public! And everything else at http://theoverheadwire.com

En el episodio inaugural de On Rare: Innovadores, una nueva serie derivada de On Rare de BridgeBio, los presentadores David Rintell, director de abogacía de pacientes de BridgeBio, y Mandy Rohrig, directora sénior de abogacía de pacientes de BridgeBio, presentan a los oyentes a las personas que están transformando la comunidad de enfermedades raras a través de la defensa de los derechos, la compasión y la acción. La serie comienza en Gijón, España, con Carmen Alonso, fundadora de la Fundación ALPE, quien ha dedicado su vida a mejorar la atención y construir una comunidad para las personas y familias que viven con acondroplasia. Lo que comenzó como el viaje personal de Carmen, una madre que buscaba información y apoyo, se convirtió en una red internacional que ha transformado la comprensión y el manejo de la acondroplasia y otras displasias esqueléticas. Acompañada por su hijo Yago y su colega Fani, Carmen reflexiona sobre las lecciones de amor e inclusión que han guiado su trabajo y la convicción de que "siempre se puede hacer algo". A través de la historia de Carmen, On Rare: Innovators celebra a los líderes cuyas ideas y determinación impulsan el cambio en la ciencia, la defensa de los derechos y la comunidad. Su trabajo nos recuerda que la innovación no se encuentra solo en los laboratorios o las salas de juntas, sino que florece dondequiera que las personas decidan actuar con propósito y corazón.

As long as New Vegas has craps tables, I'm all set.Season 2, Baby!"The Innovator""The Golden Rule""The Profilgate"Join the HBO BOIZ to talk about all things entertainment!Support the Show: Patreon.com/HBOBOIZThreads: @thehboboizpodInstagram: @thehboboizpodTikTok: @thehboboizSubscribe to Nothingstar AcademyAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

X: @KeithJKrach @250Freedom_ @ileaderssummit @americasrt1776 @NatashaSrdoc @JoelAnandUSA @supertalk @JTitMVirginia Join America's Roundtable (https://americasrt.com/) radio co-hosts Natasha Srdoc and Joel Anand Samy with Keith J. Krach, CEO of Freedom 250, which was launched by President Donald J. Trump. Freedom 250 is the national, non-partisan organization leading the celebration of our Nation's 250th birthday. Working together with the White House Task Force 250, federal agencies, and the Commission, Freedom 250 serves as the official public-private partnership that connects, aligns, and amplifies national and local efforts to deliver the defining presidential moments of this anniversary year. At its heart, Freedom 250 is creating a movement of citizens, organizations, companies, and leaders from across the country to honor our Nation's proud history, cherish our God-given freedoms, and build the Golden Age of Opportunity for the next 250 years. Keith Krach is the Former Under Secretary of State, technology entrepreneur, and Chairman of the Krach Institute for Tech Diplomacy at Purdue University. A Silicon Valley innovator and dedicated public servant, he founded and led several category-creating companies—including Ariba, the world's largest B2B e-commerce network, which transacts $3.7 trillion annually; and DocuSign, inventors of digital transaction management, serving over a billion users. Visit: Freedom250.org americasrt.com (https://americasrt.com/) https://ileaderssummit.org/ | https://jerusalemleaderssummit.com/ America's Roundtable on Apple Podcasts: https://podcasts.apple.com/us/podcast/americas-roundtable/id1518878472 X: @KeithJKrach @250Freedom_ @ileaderssummit @americasrt1776 @NatashaSrdoc @JoelAnandUSA @supertalk @JTitMVirginia America's Roundtable is co-hosted by Natasha Srdoc and Joel Anand Samy, co-founders of International Leaders Summit and the Jerusalem Leaders Summit. America's Roundtable (https://americasrt.com/) radio program focuses on America's economy, healthcare reform, rule of law, security and trade, and its strategic partnership with rule of law nations around the world. The radio program features high-ranking US administration officials, cabinet members, members of Congress, state government officials, distinguished diplomats, business and media leaders and influential thinkers from around the world. Tune into America's Roundtable Radio program from Washington, DC via live streaming on Saturday mornings via 68 radio stations at 7:30 A.M. (ET) on Lanser Broadcasting Corporation covering the Michigan and the Midwest market, and at 7:30 A.M. (CT) on SuperTalk Mississippi — SuperTalk.FM reaching listeners in every county within the State of Mississippi, and neighboring states in the South including Alabama, Arkansas, Louisiana and Tennessee. Tune into WTON in Central Virginia on Sunday mornings at 9:30 A.M. (ET). Listen to America's Roundtable on digital platforms including Apple Podcasts, Spotify, Amazon, Google and other key online platforms. Listen live, Saturdays at 7:30 A.M. (CT) on SuperTalk | https://www.supertalk.fm

Composer Michelle DiBucci is a versatile artist whose work spans theater, opera, dance, and film. Michelle has made significant contributions to contemporary music, having collaborated with renowned ensembles like the Kronos Quartet and created works performed at prestigious venues such as Alice Tully Hall and the Komische Oper in Berlin. Her rich background includes studying under esteemed composers like Louis Andriessen and teaching at Juilliard since 1992, where she shares her passion for music and theater with aspiring artists.In this first part of our conversation, we explore Michelle's early influences, from her childhood experiences with television soundtracks to her pivotal moment of discovering the relationship between music and visual storytelling. She shares her journey from acting to composing, detailing how mentorship shaped her path and the lessons learned along the way. Michelle's insights into music composition reveal the intricate balance between creativity and the realities of the industry.[Subscriber Content] In the second part, we delve deeper into her composition approach and the collaborative process behind her compositions. Michelle discusses memorable projects, including her opera based on Charlotte Solomon's life, and highlights her thoughts on the changing landscape of music education and the impact of technology on future generations of musicians. This section offers valuable perspectives on navigating a career in music, alongside a reflection on the importance of live performances in an increasingly digital world.Would you like more inspirational stories, suggestions, insights, and a place to continue the conversations with other listeners? Visit anthonyplog-on-music.supercast.com to learn more! As a Contributing Listener of "Anthony Plog on Music," you'll have access to extra premium content and benefits including: Extra Audio Content: Only available to Contributing Listeners. Podcast Reflections: Tony's written recaps and thoughts on past interviews, including valuable tips and suggestions for students. Ask Me Anything: Both as written messages and occasional member-only Zoom sessions. The Show's Discord Server: Where conversations about interviews, show suggestions, and questions happen. It's a great place to meet other listeners and chat about all things music! Can I just donate instead of subscribing? Absolutely! Cancel at anytime and easily resubscribe when you want all that extra content again. Learn more about becoming a Contributing Listener @ anthonyplog-on-music.supercast.com!

The Innovator. Season One came out April of 2024 so Fallout just barely beats the "every two years" allegations by getting Season 2 out just before the new year. Red & Ivan emerge from their executive cryo chambers to talk Prime Video's Fallout. Also, check out Red & Maggie Tokuda-Hall's podcast, Failure to Adapt, available on Spotify, Apple Podcasts, or via RSS As always: Support Ivan & Red! → patreon.com/boarsgoreswords Follow us on twitter → @boarsgoreswords Find us on facebook → facebook.com/BoarsGoreSwords

Sean Mooney curates the 2025 reading list recommended by private equity investors, operating partners, and portfolio company CEOs featured on Karma School of Business this year. The episode spans business strategy, capital allocation, leadership, happiness, mindset, and life design—through the lens of people actively building and scaling companies. From The Outsiders to Traction to unexpected personal favorites, the list reflects what serious operators are actually reading and rereading. If you're building for the long term, this one earns a spot in your queue. Episode Highlights 1:12 – Casey Myers on shifting from achievement to fulfillment with From Strength to Strength 2:53 – Steve Hunter reframes money, time, and health through Die With Zero 4:04 – Jonathan Metrick on compounding time, skills, and careers via The Algebra of Wealth 7:35 – Ran Ding explains why great CEOs are elite capital allocators in The Outsiders 11:11 – Chris Scullin on dynamic competition and adaptation from The Innovator's Dilemma 14:01 – Micah Dawson on focus, ambition, and escaping the hedonic treadmill with The One Thing 18:20 – Dan Gaspar on operational discipline and change using Traction and Who Moved My Cheese?

Fallout is back! Tune in to the podcast this week to hear Jason and I chat about Fallout season 2 […]

Annie Appleby is a yoga innovator, entrepreneur, and passionate advocate for holistic health and wellness. Renowned for her resilience and ingenuity, Annie overcame a life-changing car accident to transform her healing journey into the invention of the patented YogaForce A-Line mat now used by athletes, rehabilitation patients, and celebrities alike. As the founder of YogaForce.com, she pioneered the concept of alignment-focused yoga accessories and introduced Doga Yoga, a practice for people and their canine companions. With decades of experience teaching at top companies and working with major health organizations, Annie empowers others to prioritize wellness, embrace alignment, and build resilience no matter where they begin. https://youtu.be/JE5aoO_G6fE In this episode of Marketer of the Day, Annie Appleby joins Robert Plank to share her inspiring path from overcoming injury to launching innovative yoga products and advocating for preventative health. Annie reveals the personal story behind her A-Line yoga mat, discusses the rise of Doga Yoga, and recounts the persistence required to stand out in a competitive industry even in the face of intellectual property challenges. Listeners will learn about the crucial roles of sleep, posture, and alignment in living a vibrant life, how Annie's inventions reached from Hollywood sets to major retailers, and why helping others is her enduring motivation. Annie also offers practical guidance for maintaining health, cultivating confidence, and thriving in adversity. Quotes: "If you don't have your health, your life is miserable. Your health is your wealth." "You can fall down, but you have to get back up, right? Don't freak out. Something's gonna happen to you. Don't freak out." "Alignment is a big deal right now. I started it just like I started dog yoga in 2009." Resources: Annie Appleby on LinkedIn YogaForce (official site)

Hermann Haller, MD, PhD President, Professor, MDI Biological Laboratory; Professor, Department of Nephrology and Hypertension, Hannover Medical School Haller received his medical degree from the Free University of Berlin and completed his postdoctoral work at Yale University. He has published more than 700 peer-reviewed articles, holds six world-wide patents and has founded four biotech companies. He has received many honors and awards and serves on numerous advisory boards, including those of Bayer, Boehringer Ingelheim, Genzyme and Novo Nordisk. In addition to his position at the MDI Biological Laboratory, he is also a full professor of medicine and former chairman of the Division of Nephrology at the Hannover Medical School in Germany. INNOVATORS is a podcast production of Harris Search Associates.      *The views and opinions shared by the guests on INNOVATORS do not necessarily reflect the views of the interviewee's institution or organization.*

Santiago Cortez is a process-driven transformation specialist, founder of labcortex, and a trusted advisor for compliance-focused, mission-driven organizations. Renowned for his ability to turn tangled, manual workflows into organized, auditable systems, Santiago partners with firms in highly-regulated industries to drive sustainable growth. He champions a process-first mindset, helping businesses clarify their goals, align teams, and eliminate inefficiency empowering both organizations and individuals to reclaim time, reduce stress, and achieve lasting improvement. In this episode of Marketer of the Day, Santiago Cortez joins Robert Plank to demystify the world of compliance, workflows, and operational excellence. Santiago shares his unique approach to consulting, emphasizing that tools should serve existing processes not the other way around. Listeners will hear how Santiago and his team dive deep into their clients' day-to-day realities, uncovering the misalignments between written policies and practical actions. He reveals the communication pitfalls that stall progress, the importance of small wins, and why embedding continuous improvement into company culture is critical. Through practical examples and actionable insights, Santiago explains how focusing on people, clarity, and collaboration drives transformation making even the "boring" aspects of business work both effective and rewarding. Quotes: “Tools amplify a process. They don't replace it.” “You just want to ensure these little things don't get caught in your way of the big things. They all lead to that.” “Communication and feedback loops are essential to aligning teams and catching issues before they compound.” Resources: Connect with Santiago Cortez on LinkedIn Helping organizations work smarter, safer, and more efficiently

César Hidalgo has spent years trying to answer a deceptively simple question: What is knowledge, and why is it so hard to move around?We all have this intuition that knowledge is just... information. Write it down in a book, upload it to GitHub, train an AI on it—done. But César argues that's completely wrong. Knowledge isn't a thing you can copy and paste. It's more like a living organism that needs the right environment, the right people, and constant exercise to survive.Guest: César Hidalgo, Director of the Center for Collective Learning1. Knowledge Follows Laws (Like Physics)2. You Can't Download Expertise3. Why Big Companies Fail to Adapt4. The "Infinite Alphabet" of EconomiesIf you think AI can just "copy" human knowledge, or that development is just about throwing money at poor countries, or that writing things down preserves them forever—this conversation will change your mind. Knowledge is fragile, specific, and collective. It decays fast if you don't use it. The Infinite Alphabet [César A. Hidalgo]https://www.penguin.co.uk/books/458054/the-infinite-alphabet-by-hidalgo-cesar-a/9780241655672https://x.com/cesifotiRescript link. https://app.rescript.info/public/share/eaBHbEo9xamwbwpxzcVVm4NQjMh7lsOQKeWwNxmw0JQ---TIMESTAMPS:00:00:00 The Three Laws of Knowledge00:02:28 Rival vs. Non-Rival: The Economics of Ideas00:05:43 Why You Can't Just 'Download' Knowledge00:08:11 The Detective Novel Analogy00:11:54 Collective Learning & Organizational Networks00:16:27 Architectural Innovation: Amazon vs. Barnes & Noble00:19:15 The First Law: Learning Curves00:23:05 The Samuel Slater Story: Treason & Memory00:28:31 Physics of Knowledge: Joule's Cannon00:32:33 Extensive vs. Intensive Properties00:35:45 Knowledge Decay: Ise Temple & Polaroid00:41:20 Absorptive Capacity: Sony & Donetsk00:47:08 Disruptive Innovation & S-Curves00:51:23 Team Size & The Cost of Innovation00:57:13 Geography of Knowledge: Vespa's Origin01:04:34 Migration, Diversity & 'Planet China'01:12:02 Institutions vs. Knowledge: The China Story01:21:27 Economic Complexity & The Infinite Alphabet01:32:27 Do LLMs Have Knowledge?---REFERENCES:Book:[00:47:45] The Innovator's Dilemma (Christensen)https://www.amazon.com/Innovators-Dilemma-Revolutionary-Change-Business/dp/0062060244[00:55:15] Why Greatness Cannot Be Plannedhttps://amazon.com/dp/3319155237[01:35:00] Why Information Growshttps://amazon.com/dp/0465048994Paper:[00:03:15] Endogenous Technological Change (Romer, 1990)https://web.stanford.edu/~klenow/Romer_1990.pdf[00:03:30] A Model of Growth Through Creative Destruction (Aghion & Howitt, 1992)https://dash.harvard.edu/server/api/core/bitstreams/7312037d-2b2d-6bd4-e053-0100007fdf3b/content[00:14:55] Organizational Learning: From Experience to Knowledge (Argote & Miron-Spektor, 2011)https://www.researchgate.net/publication/228754233_Organizational_Learning_From_Experience_to_Knowledge[00:17:05] Architectural Innovation (Henderson & Clark, 1990)https://www.researchgate.net/publication/200465578_Architectural_Innovation_The_Reconfiguration_of_Existing_Product_Technologies_and_the_Failure_of_Established_Firms[00:19:45] The Learning Curve Equation (Thurstone, 1916)https://dn790007.ca.archive.org/0/items/learningcurveequ00thurrich/learningcurveequ00thurrich.pdf[00:21:30] Factors Affecting the Cost of Airplanes (Wright, 1936)https://pdodds.w3.uvm.edu/research/papers/others/1936/wright1936a.pdf[00:52:45] Are Ideas Getting Harder to Find? (Bloom et al.)https://web.stanford.edu/~chadj/IdeaPF.pdf[01:33:00] LLMs/ Emergencehttps://arxiv.org/abs/2506.11135Person:[00:25:30] Samuel Slaterhttps://en.wikipedia.org/wiki/Samuel_Slater[00:42:05] Masaru Ibuka (Sony)https://www.sony.com/en/SonyInfo/CorporateInfo/History/SonyHistory/1-02.html

BONUS: The Operating System for Software-Native Organizations - The Five Core Principles In this BONUS episode, the final installment of our Special Xmas 2025 reflection on Software-native businesses, we explore the five fundamental principles that form the operating system for software-native organizations. Building on the previous four episodes, this conversation provides the blueprint for building organizations that can adapt at the speed of modern business demands, where the average company lifespan on the S&P 500 has dropped from 33 years in the 1960s to a projected 12 years by 2027. The Challenge of Adaptation "What we're observing in Ukraine is adaptation happening at a speed that would have been unthinkable in traditional military contexts - new drone capabilities emerge, countermeasures appear within days, and those get countered within weeks." The opening draws a powerful parallel between the rapid adaptation we're witnessing in drone warfare and the existential threats facing modern businesses. While our businesses aren't facing literal warfare, they are confronting dramatic disruption. Clayton Christensen documented this in "The Innovator's Dilemma," but what he observed in the 1970s and 80s is happening exponentially faster now, with software as the accelerant. If we can improve businesses' chances of survival even by 10-15%, we're talking about thousands of companies that could thrive instead of fail, millions of jobs preserved, and enormous value created. The central question becomes: how do you build an organization that can adapt at this speed? Principle 1: Constant Experimentation with Tight Feedback Loops "Everything becomes an experiment. Not in the sense of being reckless or uncommitted, but in being clear about what we're testing and what we expect to learn. I call this: work like a scientist: learning is the goal." Software developers have practiced this for decades through Test-Driven Development, but now this TDD mindset is becoming the ruling metaphor for managing products and entire businesses. The practice involves framing every initiative with three clear elements: the goal (what are we trying to achieve?), the action (what specific thing will we do?), and the learning (what will we measure to know if it worked?). When a client says "we need to improve our retrospectives," software-native organizations don't just implement a new format. Instead, they connect it to business value - improving the NPS score for users of a specific feature by running focused retrospectives that explicitly target user pain points and tracking both the improvements implemented and the actual NPS impact. After two weeks, you know whether it worked. The experiment mindset means you're always learning, never stuck. This is TDD applied to organizational change, and it's powerful because every process change connects directly to customer outcomes. Principle 2: Clear Connection to Business Value "Software-native organizations don't measure success by tasks completed, story points delivered, or features shipped. Or even cycle time or throughput. They measure success by business outcomes achieved." While this seems obvious, most organizations still optimize for output, not outcomes. The practice uses Impact Mapping or similar outcome-focused frameworks where every initiative answers three questions: What business behavior are we trying to change? How will we measure that change? What's the minimum software needed to create that change? A financial services client wanted to "modernize their reporting system" - a 12-month initiative with dozens of features in project terms. Reframed through a business value lens, the goal became reducing time analysts spend preparing monthly reports from 80 hours to 20 hours, measured by tracking actual analyst time, starting with automating just the three most time-consuming report components. The first delivery reduced time to 50 hours - not perfect, but 30 hours saved, with clear learning about which parts of reporting actually mattered. The organization wasn't trying to fulfill requirements; they were laser focused on the business value that actually mattered. When you're connected to business value, you can adapt. When you're committed to a feature list, you're stuck. Principle 3: Software as Value Amplifier "Software isn't just 'something we do' or a support function. Software is an amplifier of your business model. If your business model generates $X of value per customer through manual processes, software should help you generate $10X or more." Before investing in software, ask whether this can amplify your business model by 10x or more - not 10% improvement, but 10x. That's the threshold where software's unique properties (zero marginal cost, infinite scale, instant distribution) actually matter, and where the cost/value curve starts to invert. Remember: software is still the slowest and most expensive way to check if a feature would deliver value, so you better have a 10x or more expectation of return. Stripe exemplifies this principle perfectly. Before Stripe, accepting payments online required a merchant account (weeks to set up), integration with payment gateways (months of development), and PCI compliance (expensive and complex). Stripe reduced that to adding seven lines of code - not 10% easier, but 100x easier. This enabled an entire generation of internet businesses that couldn't have existed otherwise: subscription services, marketplaces, on-demand platforms. That's software as amplifier. It didn't optimize the old model; it made new models possible. If your software initiatives are about 5-10% improvements, ask yourself: is software the right medium for this problem, or should you focus where software can create genuine amplification? Principle 4: Software as Strategic Advantage "Software-native organizations use software for strategic advantage and competitive differentiation, not just optimization, automation, or cost reduction. This means treating software development as part of your very strategy, not a way to implement a strategy that is separate from the software." This concept, discussed with Tom Gilb and Simon Holzapfel on the podcast as "continuous strategy," means that instead of creating a strategy every few years and deploying it like a project, strategy and execution are continuously intertwined when it comes to software delivery. The practice involves organizing around competitive capabilities that software uniquely enables by asking: How can software 10x the value we generate right now? What can we do with software that competitors can't easily replicate? Where does software create a defensible advantage? How does our software create compounding value over time? Amazon Web Services didn't start as a product strategy but emerged from Amazon building internal capabilities to run their e-commerce platform at scale. They realized they'd built infrastructure that was extremely hard to replicate and asked: "What if we offered it to others?" AWS became Amazon's most profitable business - not because they optimized their existing retail business, but because they turned an internal capability into a strategic platform. The software wasn't supporting the strategy - the software became the strategy. Compare this to companies that use software just for cost reduction or process optimization - they're playing defense. Software-native companies use software to play offense, creating capabilities that change the competitive landscape. Continuous strategy means your software capabilities and your business strategy evolve together, in real-time, not in annual planning cycles. Principle 5: Real-Time Observability and Adaptive Systems "Software-native organizations use telemetry and real-time analytics not just to understand their software, but to understand their entire business and adapt dynamically. Observability practices from DevOps are actually ways of managing software delivery itself. We're bootstrapping our own operating system for software businesses." This principle connects back to Principle 1 but takes it to the organizational level. The practice involves building systems that constantly sense what's happening and can adapt in real-time: deploy with feature flags so you can turn capabilities on/off instantly, use A/B testing not just for UI tweaks but for business model experiments, instrument everything so you know how users actually behave, and build feedback loops that let the system respond automatically. Social media companies and algorithmic trading firms already operate this way. Instagram doesn't deploy a new feed algorithm and wait six months to see if it works - they're constantly testing variations, measuring engagement in real-time, adapting the algorithm continuously. The system is sensing and responding every second. High-frequency trading firms make thousands of micro-adjustments per day based on market signals. Imagine applying this to all businesses: a retail company that adjusts pricing, inventory, and promotions in real-time based on demand signals; a healthcare system that dynamically reallocates resources based on patient flow patterns; a logistics company whose routing algorithms adapt to traffic, weather, and delivery success rates continuously. This is the future of software-native organizations - not just fast decision-making, but systems that sense and adapt at software speed, with humans setting goals and constraints but software executing continuous optimization. We're moving from "make a decision, deploy it, wait to see results" to "deploy multiple variants, measure continuously, let the system learn." This closes the loop back to Principle 1 - everything is an experiment, but now the experiments run automatically at scale with near real-time signal collection and decision making. It's Experiments All The Way Down "We established that software has become societal infrastructure. That software is different - it's not a construction project with a fixed endpoint; it's a living capability that evolves with the business." This five-episode series has built a complete picture: Episode 1 established that software is societal infrastructure and fundamentally different from traditional construction. Episode 2 diagnosed the problem - project management thinking treats software like building a bridge, creating cascade failures throughout organizations. Episode 3 showed that solutions already exist, with organizations like Spotify, Amazon, and Etsy practicing software-native development successfully. Episode 4 exposed the organizational immune system - the four barriers preventing transformation: the project mindset, funding models, business/IT separation, and risk management theater. Today's episode provides the blueprint - the five principles forming the operating system for software-native organizations. This isn't theory. This is how software-native organizations already operate. The question isn't whether this works - we know it does. The question is: how do you get started? The Next Step In Building A Software-Native Organization "This is how transformation starts - not with grand pronouncements or massive reorganizations, but with conversations and small experiments that compound over time. Software is too important to society to keep managing it wrong." Start this week by doing two things.  First, start a conversation: pick one of these five principles - whichever resonates most with your current challenges - and share it with your team or leadership. Don't present it as "here's what we should do" but as "here's an interesting idea - what would this mean for us?" That conversation will reveal where you are, what's blocking you, and what might be possible.  Second, run one small experiment: take something you're currently doing and frame it as an experiment with a clear goal, action, and learning measure. Make it small, make it fast - one week maximum, 24 hours if you can - then stop and learn. You now have the blueprint. You understand the barriers. You've seen the alternatives. The transformation is possible, and it starts with you. Recommended Further Reading Tom Gilb and Simon Holzapfel episodes on continuous strategy  The book by Christensen, Clayton: "The Innovator's Dilemma"  The book by Gojko Adzic: Impact Mapping  Ukraine drone warfare Company lifespan statistics: Innosight research on S&P 500 turnover  Stripe's impact on internet businesses Amazon AWS origin story DevOps observability practices About Vasco Duarte Vasco Duarte is a thought leader in the Agile space, co-founder of Agile Finland, and host of the Scrum Master Toolbox Podcast, which has over 10 million downloads. Author of NoEstimates: How To Measure Project Progress Without Estimating, Vasco is a sought-after speaker and consultant helping organizations embrace Agile practices to achieve business success. You can link with Vasco Duarte on LinkedIn.

Join Dave and Wayne for genre television show news, a glimpse into what the hosts are watching, listener feedback, and analysis of the Prime Video series Fallout. This week on the SciFi TV Rewatch podcast we discuss the Season 2 premiere and the evolving partnership between The Ghoul and Lucy as they search the wasteland for her father and The Ghoul's family. Has Norm made an incredibly bad decision releasing the remainder of Bud's Buds? Will Hank make contact with Robert House? In our What We're Watching segment, Wayne manages a rewatch of Fallout, and Dave continues w/military nurse and ANZAC Girls on Roku Channel. In Listener Feedback, Fred from the Netherlands and Alan in England comment with audio feedback, and Cincinnati Joe checks in via email.  Remember to join the genre television and film discussion on the SciFi TV Rewatch Facebook group for the latest genre television show news and podcast releases. Episode Grade: Dave 8.0  Wayne 9.3      

In this episode of Founder Talk, I sit down with Mark Bealin, SEO Expert and founder of SearchLab, to unpack what it really takes for businesses to get found today, across Google, local search, and the rapidly changing world of AI-powered discovery. This is not a surface-level SEO conversation. Our conversation breaks down how search has evolved, why many founders are unknowingly invisible online, and what actually matters now if you want customers to find you instead of your competitors.Mark shares hard-earned lessons from building companies through multiple search eras, from the early days of Google to today's AI-driven answer engines. We also dig into why chasing hacks is a losing game, how customer obsession directly impacts rankings and revenue, and why reputation, trust, and fundamentals matter more than ever in a world of zero-click searches and AI summaries.We also go deep on the practical side. Local search, Google Business Profiles, reviews, content strategy, and how founders should think differently about SEO as a long-term business asset, not a marketing trick. Along the way, Mark connects search strategy to leadership, focus, and building a company that can adapt as technology keeps changing.You'll learn:✅ Why most founders misunderstand how customers actually find businesses today✅ What matters more than rankings in a world of AI answers and zero-click search✅ How reputation and customer obsession directly impact growth and visibility✅ Why chasing SEO “hacks” hurts long-term performance and trust✅ How to future-proof your business as search and AI continue to evolveIf you are a founder or business owner trying to grow demand, win trust, and stay relevant as search shifts under your feet, this conversation will reshape how you think about being discovered.Connect with Mark Bealin Guest LinkedIn: https://www.linkedin.com/in/markbealin/Guest Website: https://searchlabdigital.com/If you are a B2B company that wants to build your own in-house content team instead of outsourcing your content to a marketing agency, we may be a fit for you! Everything you see in our podcast and content is a result of a scrappy, nimble, internal content team along with an AI-powered content systems and process. Check out pricing and services here: ⁠https://impaxs.com⁠Head to our website to stream every episode on your favorite platform, join the Founder Talk community, and submit questions for future guests–all in one place: https://foundertalkpodcast.com/Timecodes00:00 Introduction and Welcome00:08 The Evolution of SEO01:39 Local SEO Explained02:27 Paid vs. Organic Search03:52 Importance of Google Business Profiles05:41 The Shift from Traditional to Digital Marketing15:15 The Role of Reviews in SEO22:01 AI and the Future of Search33:32 The Innovator's Dilemma34:30 Google's Evolution and Challenges35:25 Content Strategies for AI and Traditional Search37:32 The Importance of Fresh and Relevant Content38:55 SEO Best Practices and Common Mistakes40:31 The Role of Video in SEO41:19 The Impact of Social Media on Search43:58 Google Business Profile and Zero Click Searches49:12 Balancing Work, Health, and Personal Life57:13 Future Goals and Business Strategies

Spencer and Lee head back into The Wasteland armed with Pip Boys and pockets full of bottle caps to battle Ghouls, rival factions, societal apathy, and corporate greed. Amazon Prime's "Fallout" is back for Season 2 and Spencer and Lee go long-form in reviewing episode 1. Let us know what you think! facebook.com/mangumtalks or mangumtalkspodcasts@gmail.com

Today is Episode 400… a milestone I never imagined when I sat at my dining room table with six children during the pandemic, simply trying to create safety and stability for kids who needed a place to learn. But 400 episodes later, I have grown. You have grown. The entire movement has grown. And in this episode, I'm sharing a full-circle moment: the official transformation from the Teacher Let Your Light Shine podcast into the new era of ReDream Education. This is not a rebrand. This is a rebirth. Over the years, many of us have walked through burnout, fear, exhausted dreams, and the longing for something more meaningful. We've outgrown systems that didn't fit us anymore. We've struggled with leaving the classroom, starting schools, raising families, and carrying visions bigger than our circumstances. And yet—just like me—so many of you have been redreaming your lives, your schools, your identities, and your purpose. In this episode, I reflect on: ⭐ The evolution I've experienced over 400 episodes Burnout, rebuilding, expansion, leadership, program redesign, and the deep internal shift that demanded a new dream. ⭐ How our community has changed You're not just teachers needing encouragement. You're founders. Innovators. Mothers and fathers creating microschools, homeschool hybrids, learning communities and learner-centered environments from the ground up. ⭐ Why ReDream Education had to be born Because the world no longer needs encouragement alone—it needs leaders, school builders, and architects of the future committed to mastery-based, personalized, flexible, human-centered learning. ⭐ How Microschool Masterminds is evolving This is now a national training ground for founders, offering: weekly coaching leadership frameworks enrollment systems financial planning curriculum decision-making multi-age learning structures personalized learning blueprints legal and operational support community building scalable school models It's everything educators search for when they're ready to step into their calling as founders. Microschool Masterminds is no longer just a program. It is a movement inside the movement. ⭐ Why today marks the official beginning of the ReDream Era Teacher Let Your Light Shine gave hope. ReDream Education builds leaders. Teacher Let Your Light Shine inspired teachers. ReDream Education equips founders. Teacher Let Your Light Shine ignited the spark. ReDream Education builds the fire. And as we step into this next chapter, I leave you with this question: What part of your life is asking to be redreamed? Because if you're listening today, your dream isn't dying— it's evolving. Teacher Let Your Light Shine Microschool, Learning Pod, Tutoring and Homeschool Business Coaching Launch and Scale Your Microschool or Homeschool Hybrid by Maximizing Your Time, Optimizing Your Finances and Mastering Your Marketing! With our program, you'll confidently navigate the journey of starting or growing your educational venture, equipped with the tools and support needed to achieve lasting success! Teacher Let Your Light Shine Microschool, Learning Pod, Tutoring and Homeschool Business Coaching Join Our Facebook Group for a supportive community and the “best place on the corner of the internet” Teacher, Let Your Light Shine's Microschool Community | Facebook Book a Clarity Coaching Session: Teacher Let Your Light Shine Microschool, Learning Pod, Tutoring and Homeschool Business Coaching Get started on your dream school right now! Get all the documents you need to jumpstart, market and enroll students! Teacher Let Your Light Shine Microschool, Learning Pod, Tutoring and Homeschool Business Coaching We have step-by-step instructions to help you write powerful marketing brochures, enrollment forms, introductory packets, and so much more! You'll also find easy-to-use templates made to simplify your creation process, as well as beautiful real-life examples used by my micro-school, Lighthouse Learning, to give you creative inspiration when designing your very own forms. You will be able to seal the deal with peace and clarity when you hand deliver your new handbook and contract. Tune in to today's episode to find out more and head over to our shop to purchase your documents at teachersletyourlightshine.com!

EHV-1 has dominated online conversation in recent weeks—but not all the information circulating reflects the science. In this episode of Equine Innovators, we step back from the noise to focus on what researchers and clinicians know about how equine herpesvirus infects horses, how it spreads, why latency matters, and what drives the neurologic form of the disease.Host Stephanie Church, editorial director at The Horse, speaks with Dr. Abby Sage, equine technical services veterinarian for Zoetis and a former state veterinary official, and Dr. Lutz Goehring, professor of equine infectious diseases at the University of Kentucky's Gluck Equine Research Center. Sage and Goehring explain what testing can—and cannot—tell us during an outbreak, clarify common misconceptions, and outline how vaccination and biosecurity fit into a thoughtful response.The conversation also looks ahead, exploring emerging diagnostic tools, vaccine research, and unanswered questions about viral reactivation and neurologic risk. Whether you're a veterinarian or a horse owner navigating heightened concern, this episode offers grounded perspective and practical context.In this episode, Dr. Lutz Goehring and Dr. Abby Sage discuss:How EHV-1 spreads and why outbreaks occur regularly, even when they don't make headlinesWhat differentiates respiratory infection from equine herpesvirus myeloencephalopathyHow veterinarians interpret PCR testing and where stall-side tools fitWhat vaccination can realistically achieve, and what it cannotWhich biosecurity measures matter most at home and on the roadWhere current research on EHV-1 is headed nextTune in to hear how two equine veterinarians break down equine herpesvirus-1 transmission, testing, neurologic disease, and prevention.GUESTS AND LINKS – EPISODE 24:Host: Stephanie L. Church, editorial director at The Horse: Your Guide to Equine Health Care/TheHorse.com | @stephlchurch on Instagram | Email Stephanie (schurch@thehorse.com)Links: (EHV-1 and other resources from TheHorse.com) Special Feature: Everything You Need To Know About EHV-1 | Discussion of the Valencia, Spain, EHV outbreak: EHV-1 in 2022 | Biosecurity Tips to Protect Your HorseLinks: (EHV-1 and other infectious disease information from the AAEP's

A weekly podcast discussing the Amazon Prime Fallout television series.

Fallout: Season 2, Episode 1 "The Innovator" Every dollar spent is a vote cast. Feedback : blackgirlcouch@gmail.com  (audio/written) Tumblr: blackgirlcouch Youtube: ChristinaBCG Instagram: @blackgirlcouch

Send us a textEver build something truly game-changing… only to watch your audience go glassy-eyed the moment you demo it? In this episode, Mike and Blaine break down The Innovator's Trap—that painful gap between building something brilliant and actually getting people to understand (and buy) it. We dig into why powerful features confuse prospects, how founders accidentally over-explain themselves into oblivion, and the psychology behind why customers don't “get it” even when the value is obvious to you. From AI tools to cash flow platforms to startup war stories, we explore the real reasons innovation lands with a thud instead of a round of applause—and how to communicate your product in a way that actually creates demand. If you've ever delivered a demo, watched enthusiasm evaporate, and thought “Oh no… I've made a mistake,” this episode will feel uncomfortably relatable.#innovation #founders #startups #productmarketing #salesstrategyVisit mikeandblaine.com to buy us a beer!Watch on YouTube: https://youtu.be/q5lqjFlK8DABuy us a beer and keep the show rolling at mikeandblaine.com!Featured Beer: @ResidentCultureMike: Neighbour Pat's “Brown Mild”Blaine: Resident Culture “Turnstyle” IPAThanks to our Beer Sponsors: • Rachel Barnett from Gentle Frog: youtube.com/@GentleFrog • Karen Hairston from 3S Smart Consulting: 3ssmartconsulting.com• Larry Weinstein, the Cash Flow Cowboy in Houston Texas!• Neighbor Pat• DevinListen to all our episodes at mikeandblaine.comcashflowmike.comdryrun.comSupport the showCatch more episodes, see our sponsors and get in touch at https://mikeandblaine.com/

Many clinicians quietly wonder if there's a “next chapter” beyond the hospital walls, and an increasing number are stepping into health tech roles that didn't exist a decade ago.Dr. Reena Pande has lived that shift firsthand: from cardiologist at a top academic center, to early employee and CMO at AbleTo, to now leading clinician executive search at Oxeon. She joins us to unpack what it really takes for clinicians to succeed in startups, why these roles matter more than ever, and how AI is reshaping both medical training and leadership.We cover:

Richard Gearhart and Elizabeth Gearhart, co-hosts of Passage to Profit Show interview Author or The Real Environmentalists, Jim Beach from The School for Startups, Joe Massa from Podtopia and Nicky Wake from Chapter 2 Dating. In this eye-opening episode, entrepreneur and author of The Real Envivonmentalists, Jim Beach challenges everything you think you know about climate change and environmentalism. He makes the bold case that the real heroes aren't politicians or celebrity activists, but profit-driven entrepreneurs quietly solving massive environmental problems through innovation and hard work. He also shares insights from his experience as the founder of the School for Startups. Read more at: https://realenvironmentalist.com/ and at: https://schoolforstartups.com/ Joe Massa is a podcasting veteran, media strategist, and host of The Measuring Post, and the owner of Podtopia Network, a full-service podcast network that helps creators launch, grow, and monetize their shows while connecting them with top-tier guests and sponsors. Read more at: https://www.podtopianetwork.com/ Nicky Wake is the inspiring founder of Chapter 2 Daing, who transformed her own heartbreaking loss into a powerful, compassionate community helping widows and widowers find connection, hope, and their next chapter. Read more at: https://chapter2dating.app/ Whether you're a seasoned entrepreneur, a startup, an inventor, an innovator, a small business or just starting your entrepreneurial journey, tune into Passage to Profit Show for compelling discussions, real-life examples, and expert advice on entrepreneurship, intellectual property, trademarks and more. Visit https://passagetoprofitshow.com/ for the latest updates and episodes. Chapters (00:00:00) - PODCAST: Starting a Business(00:00:36) - Passive to Profit(00:01:54) - What's the One Mind Shift That separates Business Startups from Just(00:04:15) - Mel Robbins on Just Do It(00:04:56) - How to Start a Law Practice(00:06:45) - Real Environmentalists: The Real Heroes(00:13:58) - The 10 Biggest Celebrity Hypocrites(00:16:11) - In the Elevator With Climate Change(00:17:20) - Are We Harming the Climate?(00:19:22) - Jim Beach on Capitalism and Environmentalism(00:23:51) - Car Shield(00:25:05) - Better Health Insurance for You(00:26:05) - Jim Beach on His School of Entrepreneurship(00:31:45) - What Does an Entrepreneur Need to Know About Law?(00:33:22) - Pioneer Program: Passage to Profit(00:34:40) - AI in Business(00:36:20) - How AI is Automating Your Business(00:38:21) - Are You Using AI In Your Dating Apps?(00:41:47) - Talking Tech: ChatGPT and More(00:43:43) - Are You Using AI in Your Law Firm?(00:47:01) - AI for Business: Considering Your Blind Spots(00:48:30) - Divorce Debt Relief Hotline(00:51:08) - Copyright Law: Singing Songs Should Be Paid(00:54:58) - Podtopia Network: Full-Service Podcast Network(00:58:38) - How to Get Your Voice Heard in the Media(01:03:25) - SEO for Podcasts and LLM's(01:05:37) - How to Break Through in Podcasting(01:08:04) - In the Elevator With Podcast Creator Joe Massa(01:10:28) - How to Connect with Joe Massa(01:10:58) - Widow Dating(01:16:10) - Widows' Fire vs. Chapter 2 Dating App(01:18:53) - Widows in Tech: From Business to Community(01:24:34) - How Can People Find You?(01:25:14) - Turnabout Ranch(01:26:19) - Old Keys, New Life(01:27:31) - Secrets of the Entrepreneurial Mind(01:28:49) - Jim Beach(01:30:06) - Inventors: The Corridor Principle(01:31:08) - What's Your Secret to Success as an Entrepreneur?(01:32:55) - Passage to Profit

Fallout is back to criticize evil corporations for season 2! Streaming now on Amazon Prime Video! Jason and Rosie are recapping the latest episode, "The Innovator," and discussing their thoughts and their hopes for the season ahead. See omnystudio.com/listener for privacy information.

Reposted from Wax Episodic, which you can find at: https://podcastica.com/podcast/wax-episodic — Forward motion on all fronts as Lucy and the Ghoul cross the LA desert in search of Hank McClean, and we're introduced to a mysterious new corporate villain. Plus, Reg starts a club. Great to be back in the world of Fallout! Join Kasi, Kara, and Jason as we talk it out. Next up on Fallout: S2E2. Let us know your thoughts! You can email or send a voice message to telegrams@podcastica.com. Or join our Discord where you can leave comments and chat with hosts and other listeners: https://discord.gg/6WUMt3m3qe  Or check out our Podcastica Facebook group, where we put up comment posts for each episode, at facebook.com/groups/podcastica. Other Wax Episodic shows: We cover these other intelligent, engaging, oftentimes delightfully twisted shows: Pluribus (Apple TV): Everyone is transformed into a pleasant hive mind — except for Carol (Rhea Seehorn), the most miserable woman on the planet, who must save the world from happiness. It's sounds weird, and it is… in the best way. Created by the great Vince Gilligan, of Breaking Bad and Better Call Saul. Hosted by Jason and Karen! IT: Welcome to Derry (HBO): A fun, scary, and surprisingly great prequel to the 2016 and 2019 IT movies, Pennywise stalks the children of 1962 Derry. A mix of heart, mystery, charm, and some shockingly disturbing Nightmare on Elme Street-esque horror. Cohosted by Shawn of Strange Indeed. Alien: Earth (FX): From the brilliant Noah Hawley (Fargo, Legion), this one really scratches that sci-fi itch. A greedy corporate tech overlord transfers the consciousness of a group of terminally ill children into highly performant synth bodies. And the Xenomorph is in it, too. Also, Tim Olyphant! Hosted by Jason, Kara, and Randy. Come join our Discord and chat with hosts and other listeners:  Don't know what Discord is? It's kind of like a chat forum, our own little private Podcastica space to talk about Fallout, Welcome to Derry, Alien: Earth, other shows, and whatever else we want. It's free, and it's fun. Invitation link: https://discord.gg/6WUMt3m3qe  Check out other podcasts on our network at podcastica.com.  Show support and get ad-free episodes and a bunch of other cool stuff: patreon.com/jasoncabassi  Or go to buymeacoffee.com/cabassi for a one-time donation. Digging our podcast? A quick, free, and easy way to show support and help bump us up in the charts is to give us a rating or a review: On Apple Podcasts: https://podcasts.apple.com/us/podcast/wax-episodic-alien-earth/id1824392797 On Spotify: https://open.spotify.com/show/7sA66ySwVRIsdzBBdriEGV?si=87f36cd30cc54dc5  Or just search for “Wax Episodic” wherever you get podcasts.  Thank you! Learn more about your ad choices. Visit megaphone.fm/adchoices

The Fallout Boys, Jim and A.Ron, are back at it in the wasteland to cover season 2 of Fallout. The Amazon Prime show starts its newest season with all the promise of mayhem and mirth of season 1. Stick around with Bald Move to get your fix on all things Fallout.  VASQUEZ ROCKS STRIKES AGAIN: Baldly Go - A Star Trek: TOS Podcast - S01E18 - Arena Send your feedback to fallout@baldmove.com. Hey there!  Check out https://support.baldmove.com/ to find out how you can gain access to ALL of our premium content, as well as ad-free versions of the podcasts! Join the Club! Join the discussion:  Email | Discord | Reddit | Forums Follow us: Twitch | YouTube | Twitter  |  Instagram  |  Facebook Leave Us A Review on Apple Podcasts Learn more about your ad choices. Visit megaphone.fm/adchoices

George Couros is an Innovative Teaching, Learning, and Leadership Consultant, speaker, and author of The Innovator's Mindset and Innovate Inside the Box. As co-owner of IMPress Books and an Adjunct Instructor at the University of Pennsylvania's Graduate School of Education, he draws on his experience across all levels of K–12 education to help educators create innovative, collaborative, and student-centered learning environments. A father of three—Kallea, Georgia, and Marino—George is passionate about helping every learner find a meaningful path to success. He believes education should not only prepare students for the real world but inspire them to make it better through curiosity, collaboration, and creativity. Guided by the belief that meaningful change begins by connecting to people's hearts before their minds, George empowers educators to lead with empathy, innovation, and purpose in all they do.  During the show we discuss: How financial fluency helps families build confidence with money What kids should learn early to manage money wisely Teaching kids how to leverage money responsibly Getting kids excited about saving and investing Making compound interest fun and easy to understand The most important money lessons every child should learn Why kids need to understand financial freedom early Paths to success beyond the traditional college route Resources: https://georgecouros.com/

- Interview with Chris Olson on Gold and Silver (0:00) - Analysis of the Sydney Shooting (2:01) - Critique of Gun Control and False Flag Operations (7:05) - Introduction to AI and Its Importance (15:02) - AI Tools and Their Applications (16:26) - The Economic Impact of AI (25:18) - The Future of AI and Its Implications (45:45) - The Cost of Ignorance in Various Areas (55:07) - The Importance of Self-Education (1:12:44) - Financial Ignorance and Its Consequences (1:17:38) - Societal Ignorance and Its Impact (1:21:33) - Big Pharma's Business Model and Health Ignorance (1:21:51) - Big Tech's Role in Promoting Ignorance (1:28:52) - The Cost of Ignorance in Various Areas (1:30:32) - The Importance of AI in Modern Life (1:33:02) - The Future of Education and Work (1:39:02) - The Breakdown of Political Systems (1:46:50) - The Role of AI in Government and Justice (1:52:56) - The Impact of AI on Job Markets (1:53:17) - The Future of Money and Currency (2:00:17) - The Role of AI in Financial Systems (2:51:03) - Interview with Tucker and Industry Impact (2:51:22) - Promotion of Battalion Metals (2:54:38) - Final Remarks and Personal Anecdotes (2:56:31) - Future Financial Markets and Health Ranger Store Promotion (2:57:51) For more updates, visit: http://www.brighteon.com/channel/hrreport  NaturalNews videos would not be possible without you, as always we remain passionately dedicated to our mission of educating people all over the world on the subject of natural healing remedies and personal liberty (food freedom, medical freedom, the freedom of speech, etc.). Together, we're helping create a better world, with more honest food labeling, reduced chemical contamination, the avoidance of toxic heavy metals and vastly increased scientific transparency. ▶️ Every dollar you spend at the Health Ranger Store goes toward helping us achieve important science and content goals for humanity: https://www.healthrangerstore.com/ ▶️ Sign Up For Our Newsletter: https://www.naturalnews.com/Readerregistration.html ▶️ Brighteon: https://www.brighteon.com/channels/hrreport ▶️ Join Our Social Network: https://brighteon.social/@HealthRanger ▶️ Check In Stock Products at: https://PrepWithMike.com

Why do massive companies like Nokia or Blockbuster get crushed by newcomers, even when they seemed to be doing everything right? How does innovation sneak up and change the game before the big players even notice? This episode unpacks one of the most important business books of all time.Omar breaks down The Innovator's Dilemma by Clayton Christensen and highlights the real reasons industry giants fall behind while scrappier startups take over. You'll hear why listening to today's customer isn't always the answer, how disruptive competitors often look “worse” at first, and why business model innovation, not just technology, creates category leaders. Omar also shares practical exercises to help you spot untapped opportunities in your own space, plus lessons from building his own software company.If you want to avoid getting left behind and build a business that is future-proofed, hit play now! This lesson will steer you towards building what's next in your industry.Discover all our must-read book reviews at https://100mba.net/bookreviews.Watch the episodes on YouTube: https://lm.fm/GgRPPHiSUBSCRIBEYouTube | Apple Podcast | Spotify | Podcast Feed Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.