Podcasts about Margin

Exchange-traded funds began as simple, low-cost index vehicles, but their popularity has sparked a flood of increasingly speculative products. Don and Tom explain how more than 1,000 new ETFs launched in the past year—many involving leverage, crypto exposure, or even single-stock bets—turning what was once a sensible investment wrapper into a playground for risky financial engineering. They discuss why firms are rushing into ETFs to capture investor dollars, how leveraged products can devastate portfolios, and why investors must focus on what's inside an ETF rather than the label itself. The episode also answers listener questions about the cost structure of Avantis's AVGE fund-of-fund ETF, strategies for gradually escaping tax-inefficient mutual funds like American Funds, and the rules governing cost-basis transfers when moving brokerage accounts. 0:04 ETFs used to be simple—now Wall Street is turning them into gambling products 1:24 Explosion of new ETFs: 1,000 launched in a year and most offer nothing new 3:07 Why firms are rushing into ETFs: chasing the $1.5 trillion flowing into them 4:23 Leveraged crypto ETFs (like 2× Dogecoin) and how investors lost 70% quickly 6:15 Greed, leverage, and investor behavior driving risky ETF products 7:48 The absurd rise of single-stock ETFs—paying fees to own one stock 8:55 Leveraged commodity ETFs and the danger of massive one-day losses 9:45 Margin speculation and the historical lesson of the 1929 crash 10:31 An ETF is just a wrapper—what's inside determines whether it's sensible 11:51 Simple rule: avoid ETFs charging more than about 0.35% annually 12:08 Using Morningstar to check ETF costs and holdings 14:26 AVGE question: how fund-of-fund ETF expenses actually work 16:47 Escaping tax-inefficient mutual funds like American Funds 19:56 Capital Group's ETF strategy vs traditional loaded mutual funds 22:28 Cost basis rules when transferring accounts between custodians Learn more about your ad choices. Visit megaphone.fm/adchoices

Join Elevated GP: www.theelevatedgp.com Register for the live meeting: https://www.theelevatedgp.com/ElevationSummit Download the Injection Molding Guide: https://www.theelevatedgp.com/IMpdf  In Part 2 of this two-part conversation on Dental Digest, Dr. Melissa Seibert continues her discussion with digital dentistry educator and CAD/CAM expert Dr. Michael Skramstad. While Part 1 focused on the foundations of digital workflows, this episode explores the clinical nuances where digital dentistry either enhances precision or quietly introduces risk. The conversation begins with one of the most under-recognized challenges in restorative dentistry: the accuracy of digital bite registrations and full-arch scanning. Dr. Skramstad explains that while intraoral scanners are highly capable, their accuracy is heavily dependent on clinician awareness and workflow management. In cases where patients struggle to find a repeatable bite position, digital or analog records may both become unreliable. In these scenarios, techniques such as deprogramming with a leaf gauge and capturing an open CR bite digitally can improve reproducibility and clinical outcomes. DDP SkramstadP2 First Edit Dr. Skramstad then discusses one of the most important factors affecting digital impressions: margin management. While scanner technology has improved dramatically, the accuracy of digital impressions still depends primarily on the quality of the tooth preparation and effective hemostasis. He emphasizes that meticulous preparation design remains the single most important determinant of restorative fit, regardless of the digital system used. DDP SkramstadP2 First Edit The discussion also explores practical strategies for managing subgingival margins. Techniques such as ViscoStat Clear for hemostasis, selective use of retraction cord, and careful isolation protocols can significantly improve scan accuracy and margin visualization. Importantly, workflow decisions may differ depending on whether restorations are fabricated in-house or sent to a laboratory, since file formats such as STL lack color information and can make margin identification more difficult for technicians. DDP SkramstadP2 First Edit The episode then shifts to material selection in contemporary restorative dentistry, particularly the evolving role of zirconia. Early zirconia restorations were often criticized for poor esthetics, but recent material innovations have dramatically improved translucency and optical properties. Dr. Skramstad explains why modern zirconia systems—such as multi-layered zirconia materials—are increasingly used in both posterior and selected anterior applications, while still maintaining the exceptional strength that originally drove zirconia's adoption. DDP SkramstadP2 First Edit The conversation also addresses: • The clinical differences between bonding vs. cementing zirconia restorations • How preparation design influences retention and restorative longevity • The impact of speed sintering on zirconia optical and mechanical properties • When digital workflows simplify restorative dentistry—and when they introduce hidden complexity One of the most important themes reinforced throughout the discussion is that digital dentistry does not replace clinical fundamentals—it magnifies them. Technology can improve efficiency and accuracy, but it cannot compensate for poor preparation design, inadequate isolation, or imprecise clinical technique. For dentists exploring or expanding digital workflows, this episode provides a grounded perspective on how to integrate digital tools responsibly while maintaining the biological and mechanical principles that underpin successful restorative dentistry. Topics discussed include: • Digital bite registration and centric relation records • Margin management in digital impressions • Hemostasis techniques for intraoral scanning • STL vs PLY file formats in digital workflows • Zirconia vs lithium disilicate restorations • Speed sintering and modern zirconia materials Whether you're already practicing chairside CAD/CAM dentistry or simply evaluating digital systems for your practice, this conversation offers a thoughtful look at how technology intersects with clinical judgment in modern restorative dentistry.

TO TAKE ADVANTAGE OF ANDY'S JUNK SILVER OFFER go to https://thoughtfulmoney.com/buygoldThe CME recently lowered margin requirements on gold & silver.And the war in Iran continues to rage, increasing global uncertainty.Are these conditions that will send the price of the precious metals back to new highs?Precious metals expert Andy Schectman, CEO of Miles Franklin, returns to provide his latest update and take audience Q&A.#goldprice #silverprice #preciousmetals_____________________________________________Thoughtful Money LLC is a Registered Investment Advisor Promoter.We produce educational content geared for the individual investor. It's important to note that this content is NOT investment advice, individual or otherwise, nor should be construed as such.We recommend that most investors, especially if inexperienced, should consider benefiting from the direction and guidance of a qualified financial advisor registered with the U.S. Securities and Exchange Commission (SEC) or state securities regulators who can develop & implement a personalized financial plan based on a customer's unique goals, needs & risk tolerance.IMPORTANT NOTE: There are risks associated with investing in securities.Investing in stocks, bonds, exchange traded funds, mutual funds, money market funds, and other types of securities involve risk of loss. Loss of principal is possible. Some high risk investments may use leverage, which will accentuate gains & losses. Foreign investing involves special risks, including a greater volatility and political, economic and currency risks and differences in accounting methods.A security's or a firm's past investment performance is not a guarantee or predictor of future investment performance.Thoughtful Money and the Thoughtful Money logo are trademarks of Thoughtful Money LLC.Copyright © 2026 Thoughtful Money LLC. All rights reserved.

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Three NEW topics on climate tech finance, decision tools, and mindful leadership:Finance — Gross Margin: Quality > PercentTools — Quiz: The 5 Types of WealthLeadership — Motivation: Identity > Consequences------------Join EFI's CEO group — The private room for climate CEOs making nine-figure decisions Become an EFI Climate CEO Fellow: a confidential peer community for VC- and private equity-backed CEOs in climate tech and sustainability. Capped at 50 CEOs and 50 investor mentors, representing $40B in market value or investment assets.

How to Go from Not Enough to More than Enough 2 Kings 4:1–7 Now the wife of one of the sons of the prophets cried to Elisha, “Your servant my husband is dead, and you know that your servant feared the Lord, but the creditor has come to take my two children to be his slaves.” 2 And Elisha said to her, “What shall I do for you? Tell me; what have you in the house?” And she said, “Your servant has nothing in the house except a jar of oil.” 3 Then he said, “Go outside, borrow vessels from all your neighbors, empty vessels and not too few. 4 Then go in and shut the door behind yourself and your sons and pour into all these vessels. And when one is full, set it aside.” 5 So she went from him and shut the door behind herself and her sons. And as she poured they brought the vessels to her. 6 When the vessels were full, she said to her son, “Bring me another vessel.” And he said to her, “There is not another.” Then the oil stopped flowing. 7 She came and told the man of God, and he said, “Go, sell the oil and pay your debts, and you and your sons can live on the rest.” (ESV) 1. Margin is what I have beyond what I need Proverbs 21:20 The wise store up choice food and olive oil, but fools gulp theirs down (NIV) 2. When margin goes down, stress goes up Ephesians 5:15 Be very careful, then, how you live—not as unwise but as wise (NIV) Proverbs 6:6–8 Go to the ant, you sluggard; consider its ways and be wise! 7 It has no commander, no overseer or ruler, 8 yet it stores its provisions in summer and gathers its food at harvest (NIV) Ecclesiastes 4:6 Better one handful with tranquility than two handfuls with toil (NIV) 3. Margin has more to do with my mindset than my money Proverbs 21:20 The wise have wealth and luxury, but fools spend whatever they get (NLT) Proverbs 23:5 Cast but a glance at riches, and they are gone, for they will surely sprout wings and fly off to the sky like an eagle (NIV) Proverbs 13:11 Dishonest money dwindles away, but whoever gathers money little by little makes it grow (NIV) 4. Margin allows you and I to live on mission Proverbs 22:7 The borrower is slave to the lender (NIV) 2 Corinthians 9:8 And God is able to bless you abundantly, so that in all things at all times, having all that you need, you will abound in every good work (NIV) 2 Corinthians 9:10-11 Now he who supplies seed to the sower and bread for food will also supply and increase your store of seed and will enlarge the harvest of your righteousness. 11 You will be enriched in every way so that you can be generous on every occasion, and through us your generosity will result in thanksgiving to God (NIV)

In this episode:00:25 How paediatricians' antibodies could treat serious viral infectionsNew Scientist: Paediatricians' blood used to make new treatments for RSV and colds04:22 Galileo's annotations in an ancient textScience: Galileo's handwritten notes found in ancient astronomy textSubscribe to Nature Briefing, an unmissable daily round-up of science news, opinion and analysis free in your inbox every weekday. Hosted on Acast. See acast.com/privacy for more information.

This conversation was originally released in June of 2023. Today we return to the semiconductor value chain with one of the most important companies in modern technology: ASML. The company began life as an unwanted spin-out from Philips with no real product and little expectation of success. Today, it builds the only machines capable of manufacturing the most advanced chips in the world. To break down ASML, I'm joined by Tom Walsh, portfolio manager at Baillie Gifford. Tom walks through how photolithography works, what's happening inside an extreme ultraviolet machine, and how a small Dutch company came to dominate one of the most complex technologies ever built. This breakdown pairs very well with our breakdowns on AMD, Qualcomm and Cadence. And I'd also highlight the Founders Podcast episode #8 on the Intel Trinity.  Please enjoy this breakdown of ASML. For the full show notes, transcript, and links to the best content to learn more, check out the episode page here.    ----- Become a Colossus member to get our quarterly print magazine and private audio experience, including exclusive profiles and early access to select episodes. Subscribe at ⁠colossus.com/subscribe⁠. ----- This episode is brought to you by⁠⁠⁠⁠ ⁠Portrait Analytics⁠⁠⁠⁠⁠ - your centralized resource for AI-powered idea generation, thesis monitoring, and personalized report building. Built by buy-side investors, for investment professionals. We work in the background, helping surface stock ideas and thesis signposts to help you monetize every insight. In short, we help you understand the story behind the stock chart, and get to "go, or no-go" 10x faster than before. Sign-up for a free trial today at ⁠⁠⁠⁠⁠portraitresearch.com⁠⁠⁠⁠⁠ ----- Stay up to date on all our podcasts by signing up to Colossus Weekly, our quick dive every Sunday highlighting the top business and investing concepts from our podcasts and the best of what we read that week. Sign up here. ----- Timestamps (00:00:00) Update on ASML and Welcome to Business Breakdowns (00:04:01) Intro (00:04:50) The ASML back story (00:08:20) A deep dive into what semiconductors and Lithography are (00:10:10) Alternate business directions ASML could have pursued (00:21:45) How large ASML is in the industry today (00:12:43) A look into the management team over time (00:16:09) Moore's Law and the key components of chip production (00:17:15) Overall size of the machines manufactured (00:18:20) The evolution of UV light and its important role in the advancement of Lithography (00:22:35) Other competing companies within the field (00:25:16) A detailed look into the cost of production industry wide (00:26:10) Unlocked innovations associated with the development technology (00:27:38) The life cycle of a lithography machine (00:29:10) Revenue gained from new versus refurbished machines (00:29:33) The cyclicality of the ASML machine revenue (00:31:38) Potential production limitations due to capacity (00:33:06) Margin profile and how ASML sets prices (00:34:39) What the concentration of customers looks like (00:39:06) Reasons why an acquisition has not taken place to date (00:40:48) He explains where investor cash flow is directed (00:42:07) An investors perspective on ASML opportunities (00:44:30) How milestones in new technology are regulated and measured (00:47:46) Potential business risks (00:51:27) Lessons he's learned from studying ASML

Stijn Schmitz welcomes Douglas MacGregor to the show. Douglas is a retired U.S. Army Colonel and Decorated Combat Veteran. In this in-depth discussion, MacGregor provides a critical analysis of the current geopolitical tensions in the Middle East, particularly focusing on the conflict involving Iran, Israel, and the United States. MacGregor argues that the current military strategy against Iran is fundamentally flawed, with no clear purpose or achievable end state. He suggests that the United States and Israel are attempting to destabilize Iran, but this approach is unlikely to succeed. The colonel emphasizes that Iran’s primary goal is simply to survive, while the U.S. would need to completely conquer the nation – an impossible task given Iran’s size and resilience. The conversation delves into the broader economic implications of the conflict, particularly its impact on global oil markets and supply chains. MacGregor predicts significant economic disruption, with oil prices potentially exceeding $100 per barrel and widespread increases in commodity prices. He highlights the critical importance of resource sovereignty, emphasizing the need for nations to control their fuel, food, fertilizer, and defense supply chains. A key theme of the discussion is the potential acceleration of de-dollarization and the emergence of a new global financial system. MacGregor suggests that the United States and Israel are essentially “fighting against the future” by resisting these inevitable economic shifts. He points to the growing influence of BRICS nations and the increasing interest in alternative currency systems, potentially backed by gold or a basket of precious metals. MacGregor concludes with a stark warning about the destructive nature of current geopolitical strategies, arguing that these “pointless wars” are counterproductive and potentially catastrophic. He calls for more measured, strategic approaches to international relations and economic development, emphasizing the need for stability, long-term planning, and cooperation between governments and private sectors. Timestamps: 00:00:00 – Introduction 00:00:56 – Middle East Assessment 00:01:32 – Strategic Goals Discussion 00:02:55 – Oil Dependency Impacts 00:04:52 – Global Economic Shutdown 00:07:28 – Logistics and Escalation 00:09:01 – Lack of Planning 00:11:32 – Israel’s Internal Problems 00:13:00 – Oil Markets Analysis 00:16:16 – Conflict Motivations Explored 00:20:05 – Emerging Alliances Support 00:26:27 – Reshoring Supply Chains 00:39:12 – Gold Currency Future 00:42:04 – Concluding Thoughts Guest Links: Website: https://douglasmacgregor.com X: https://x.com/DougAMacgregor YouTube: https://www.youtube.com/@douglasmacgregorTV Articles: https://breakingdefense.com/author/doug-macgregor/ Substack: https://substack.com/@coloneldoug Douglas Macgregor is a decorated combat veteran, an author of five books, a PhD, and a defense and foreign policy consultant. Macgregor was commissioned in the Regular Army in 1976 after 1 year at VMI and 4 years at West Point. In 2004, Macgregor retired with the rank of Colonel. In 2020, the President appointed Macgregor to serve as Senior Advisor to the Secretary of Defense, a post he held until President Trump left office. He holds an MA in comparative politics and a PhD in international relations from the University of Virginia. Macgregor is widely known inside the U.S., Europe, Israel, Russia, China and Korea for both his leadership in the Battle of 73 Easting, the U.S. Army's largest tank battle since World War II, and for his ground breaking books on military transformation: Breaking the Phalanx (Praeger, 1997) and Transformation under Fire (Praeger, 2003). Macgregor's recommendations for change in Force Design and “integrated all arms-all effects” operations have profoundly influenced force development in Israel, Russia and China. In 2010, Macgregor traveled to Seoul, Korea to advise the ROK Ministry of Defense on force design. In 2019, Transformation under Fire was selected by Lt. Gen. Aviv Kohavi, Chief of the Israeli Defense Force (IDF), as the intellectual basis for IDF transformation. His fifth book, Margin of Victory: Five Battles that Changed the Face of Modern War from Naval Institute Press is available in Chinese, as well as, English and will soon appear in Hebrew. In 28 years of service Macgregor taught in the Department of Social Sciences at West Point, commanded the 1st Squadron, 4th Cavalry, and served as the Director of the Joint Operations Center at SHAPE during the 1999 Kosovo Air Campaign for which he was awarded the Defense Superior Service medal. In January 2002, at Secretary of Defense Donald Rumsfeld's insistence the USCENTCOM Commander listened to Colonel Macgregor's concept for the offensive to seize Baghdad. The plan was largely adopted, but assumed no occupation of Iraq by U.S. Forces. Macgregor has also testified as an expert witness before the Senate and House Armed Services Committees and appeared as a defense analyst on Fox News, CNN, BBC, Sky News and public radio. He is fluent in German.

What happens when tariffs collide with AI, oil volatility, margin erosion, and agentic commerce,  all in the same week?In Episode of Around the Horn in Wholesale Distribution, Kevin Brown and Tom Burton break down the accelerating news cycle impacting manufacturers, wholesale distributors, and the global supply chain. From the latest job report and Federal Reserve signals to tariff refund chaos, AI-driven margin strategy, and the Amazon vs. Walmart agentic commerce divide, this episode delivers practical insight for distribution leaders navigating economic uncertainty.If you are asking, “How should distributors respond to tariffs, AI disruption, and margin pressure right now?” This conversation is your roadmap.What You'll Learn:Why the latest U.S. jobs report may not reflect real-time economic reality — and how distributors should interpret lagging indicators like CPI, PPI, and unemployment dataHow tariff refund litigation could create a $40+ billion Wall Street trading frenzy — and why downstream distributors face complex reconciliation challengesThe real drivers of margin erosion in wholesale distribution, including internal discounting and product mix blind spotsHow AI-powered discovery systems (like the DAGA framework: Discover, Alert, Guide, Automate) can unlock 40–50% revenue growth from existing accountEpisode Highlights:03:15 – Why the news cycle now shifts between Thursday night and Friday morning12:09 – February jobs report: 92,000 jobs lost and what that signals for the Fed22:40 – Oil volatility, the Strait of Hormuz, and supply chain risk exposure29:43 – Tariff increases to 15% and the Supreme Court refund implications40:18 – Wall Street's move to buy tariff refund claims at a discount59:14 – Margin erosion in distribution and the three silent profit killers1:06:00 – The DAGA framework: Discover, Alert, Guide, Automate1:13:46 – Amazon vs. Walmart: Competing models for agentic commerce1:22:33 – “Your data is worthless until you give it purpose”Tools, Frameworks, and Strategic Concepts Mentioned:DAGA Framework – Discover, Alert, Guide, AutomateAI-driven white space analysisMargin mix optimizationAgentic commerce modelsPredictive sales intelligence and guided sellingAI-enabled demand forecastingData clarity vs. data overloadKey Themes for Distribution Leaders:Tariffs are not just policy, they are operational complexityMargin compression is often self-inflicted through unmanaged discountingAI should enhance sales teams, not replace themData without context is decorationClosing Insight:“AI is not about replacing people. It's about making good people better.”Leave a Review: Help us grow by sharing your thoughts on the show.Learn more about the LeadSmart AI B2B Sales Platform: https://www.leadsmarttech.com/ Join the conversation each week on LinkedIn Live.Want even more insight to the stories we discuss each week? Subscribe to the Around The Horn Newsletter.You can also hear the podcast and other excellent content on our YouTube Channel.Follow us on Facebook, Twitter, Instagram, or TikTok.

In this episode of the Independent Dealer Podcast, hosts Jeff Watson and Luke Godwin tour The Auto Cave in Dallas, Texas with Mitchell Briggs — a buy here pay here operation built around a focused inventory strategy, an on-site parts yard, and a relentless pursuit of margin. If you have ever felt squeezed on recon costs, this episode will change the way you think about your buy box.What You'll Learn:Why zeroing in on Hyundai and Kia transforms shop efficiency and parts availabilityHow to reverse-engineer a lower cost basis by buying cars with known problemsHow Mitchell generated nearly $20,000 in parts sales in a single month from cars he would have otherwise scrappedHow The Auto Cave cut average recon costs by $650 per car — and what that means at 80-100 units a monthHow smaller dealers can apply this model without seven acres and 35 liftsKey Takeaways:Every make and model has a known common problem — buy it with that problem and fix it cheaper than anyone elseCatalytic converters, door lock actuators, headlights, taillights, and engines are where the money hides in your scrap carsThe BHPH dealer who masters the car side of the business wins on every layer: wholesale margin, retail margin, and APRSupport the businesses that support the podcast:Buckeye Risk Services https://theindependentdealer.com/buckeyeBlytzPay - https://theindependentdealer.com/blytzpayIturan GPS - https://theindependentdealer.com/ituranWebsite: www.theindependentdealer.comEmail: info@independentdealer.comFacebook Group: @independentautogroupLuke Godwin: @lukegodwinJeff Watson: /sendtojeffwLike, subscribe, and share this episode with a dealer who is ready to stop leaving money in the junkyard.

Market segmentation driven by rising memory costs is actively restructuring the endpoint device landscape, leading to margin redistribution across the technology stack. Apple exemplified this bifurcation strategy by launching an entry-level MacBook Neo at $599 built on the A18 Pro iPhone chip, while simultaneously increasing prices on other MacBook Air and Pro models by $100 to $400 in response to global memory shortages. This deliberate move separates high-margin premium hardware from low-cost devices, effectively diminishing the traditional mid-tier device segment where most SMB and MSP standards have typically been positioned. Supporting data highlights the broader industry impact: 62% of small businesses report ongoing supply chain disruption, affecting pricing, timing, and availability, according to recent NFIB survey data. Component suppliers such as Broadcom are capturing upstream value, with a reported 29% year-over-year revenue increase driven by concentrated AI infrastructure demand. Omnia's forecast anticipates a significant smartphone shipment decline in 2026, primarily attributed to rising memory costs and uneven impact, disproportionately squeezing entry-level devices while preserving premium margins. A parallel challenge emerges within organizational governance and service delivery. The Logicalis Global CIO Report 2026 found over half of CIOs believe AI adoption is outpacing their management capabilities, with 90% of organizations lacking internal technical expertise yet 72% planning further AI investment. This gap between ambition and readiness, combined with traditional ticket-based operating models, means unmanaged risk increases as businesses prioritize speed over structured governance. Internal IT builds are increasingly abandoned, with 71% of IT and security leaders reporting failure to meet on-time and budget targets, signaling that velocity and accountability, not just ticket closure, are becoming core client expectations. Implications for MSPs and IT service providers are immediate and operational. Service models must account for hardware segmentation by incorporating differentiated support structures for entry-level versus premium devices. Increased complexity and support demands from constrained hardware will compress margins unless properly priced and standardized. MSPs are positioned closest to liability accumulation as clients face both hardware refresh and AI adoption without sufficient internal expertise. Advisory frameworks should address total cost of ownership, memory shortage context, and governance gaps, productizing assessments and redesigning service delivery for speed with explicit controls to manage risk. Three things to know today 00:00 Memory Costs Squeeze Entry-Level Hardware as Suppliers Capture Margin Upstream 02:24 Apple's $599 MacBook Neo Signals a Split Hardware Strategy, Not a Budget Play 04:22 IT Service Models Built on Approvals Are Losing to Speed-First Competitors 06:57 Why Do We Care?  Supported by:

In Episode 96 of the Land to Lots™ Podcast, Carter Froelich continues his conversation with Scott Cox, Principal of SLC Advisors and a frequent contributor to The Builder's Daily, for a candid discussion on what is really driving builder stress right now. While margins may still look acceptable on paper, many private builders feel pressure building beneath the surface. The issue is not just today's closings, but higher-basis land in the pipeline, slower absorption, and the simple reality that time is expensive. Carter and Scott explore the difference between managing to a pro forma and managing to the market. They discuss why sales velocity often matters more than protecting the last point of margin, how to calculate the true monthly carrying cost of a community, and why that number alone can reshape pricing decisions. Scott also shares practical ways to protect backlog without losing momentum, how trapped cash impacts capital structure, and when it may be time to revisit product instead of relying only on incentives. In this episode, you'll learn: 1.      Why margin concerns today are often rooted in tomorrow's land pipeline. 2.      The dashboard metrics builders should be watching when absorption slows. 3.      How to calculate the real monthly cost of being in a project. 4.      How trapped cash impacts capital structure and future deal flow. 5.      When protecting backlog makes sense and when it becomes counterproductive. 6.      Why velocity protects more than revenue. 7.      How to evaluate product utility against competitors in a practical way. 8.      When it is time to revisit product instead of simply cutting price. Show Notes: Scott Cox 01scottcox10@gmail.com https://www.linkedin.com/in/scott-cox-25874154/ Plus: Whenever you're ready here are 4 ways Launch can help you with your project: Prepare a Special Tax District Bond Analysis for your Project – If you have a projects in AZ, CA, CO, ID, NC, NM, SC, TN, TX, UT, WA contact  Carter Froelich (ADD MY EMAIL LINK) and have Launch prepare an initial bond analysis for your project. Add Favorable Financing Language to Annexation and/or Development Agreements – Create certainty and flexibility related to your project's infrastructure financing by having Launch professionals prepare handcrafted favorable financing language for inclusion in your Annexation and/or Development Agreement. Perform The RED Analysis™ on your Project – We have developed a unique process at Launch called The RED Analysis™ in which we perform a diagnostic review of your project to determine possible ways to Reduce, Eliminate and Defer infrastructure construction costs in order to enhance project returns. Track Your Reimbursable Costs Utilizing The Launch Reimbursement System™ ("LRS") – Never lose track of your district eligible reimbursable costs and have Launch manage your district's costs reimbursement tracking, preparation of electronic reimbursement submittal packages and processing of your reimbursement requests with the district, jurisdiction and/or agency. Complimentary Offers for Land to Lots™ ListenersComplimentary Land to Lots book: https://www.launch-mpc.com/offer Complimentary Bond Sizing Analysis:  https://form.jotform.com/231376408765160 Carter Froelich hosts the Land to Lots™ podcast powered by Launch Development Finance Advisors. Carter shares how he and his team help their clients finance infrastructure, reduce costs, and mitigate risks all with the goal of enhancing project profitability Land to Lots™ is a registered trademark of Launch Development Finance Advisors

Steak gets in to the fallout of the Jurickson Profar suspension, and while Profar was not here to make an enormous impact, his absence will definitely be felt, especially while dealing with a banged up rotation.

Guest post by Lee Bryan Tech leaders in regulated consumer product sectors who treat regulation as a game of hide and seek eventually get found. Across the UK and EU, the same pattern keeps repeating in sectors like consumer electronics, cosmetics, children's toys, PPE, sex toys, and novel nicotine products. A brand scales quickly, leans on a grey area in product classification, stretches a claims boundary, exploits a labelling technicality, or relies on an under-resourced enforcement body. Compliance, the Loophole Loop and Tech Leaders Revenue spikes. Marketplaces open up. Influencers amplify the product. Then enforcement catches up. Listings are removed. Products are detained. Responsible Persons are scrutinised. Documentation is demanded. Fines land. The same leadership team that once celebrated "moving fast" now scrambles to explain what went wrong. This is the Loophole Loop. It is the cycle of exploiting regulatory gaps, triggering scrutiny, reacting under pressure, and then searching for the next workaround. It feels strategic in the short term. It is structurally weak in the long term. The Cat-and-Mouse Illusion Many founders in regulated consumer markets see compliance as friction imposed by bureaucrats who do not understand innovation. Regulations feel slow. Guidance feels ambiguous. Enforcement feels inconsistent. So the internal logic becomes: The regulation is vague. The guidance is outdated. The enforcement body is stretched. There is no clear precedent yet. Therefore, we are safe. That assumption no longer holds. UK and EU authorities are increasingly deploying automation and AI-powered investigation and enforcement tools. What once required physical inspections or whistleblowers can now be identified remotely and at scale. Product listings are scraped automatically. Packaging artwork is analysed through image recognition. Claims are scanned for trigger words. Marketplace data is cross-referenced with customs records. Corporate structures are mapped across jurisdictions. The cost of being "under the radar" has collapsed. What used to be a slow-moving chess match is now algorithmic risk detection. Why the Loophole Loop Is Shrinking The gap between innovation and enforcement in regulated consumer products is narrowing for three structural reasons. First, digital transparency. Even physical product businesses are now digitally exposed. Websites, Amazon listings, TikTok ads, influencer partnerships, shipping data, and online reviews create an open data trail. Every aggressive claim leaves evidence. Second, cross-border intelligence. UK and EU authorities increasingly share information. A packaging issue flagged in one member state can trigger scrutiny elsewhere. The idea that a brand is "small" or "flying under the radar" rarely reflects reality in a digital marketplace. Third, automated triage. Enforcement bodies do not need to manually inspect every operator. They can prioritise risk using signals. Rapid sales growth. High-risk product categories. Missing UK Responsible Persons or EU Authorised Representatives. Inconsistent Declarations of Conformity. Unsupported marketing claims. These are patterns that machines can detect. If your growth strategy depends on staying invisible, it is already outdated. The Real Cost of Playing the Game The Loophole Loop produces four predictable outcomes for tech-enabled consumer brands. 1. Strategic instability. Product pivots become driven by regulatory panic rather than customer insight. 2. Investor friction. Serious investors now conduct regulatory diligence earlier. A business model built on definitional technicalities looks fragile. 3. Brand damage. In sectors involving children, safety, chemicals, or electronics, public enforcement action erodes trust quickly and permanently. 4. Margin destruction. Retrospective remediation is expensive. Relabelling. Reformulation. Product withdrawal. Storage fees. Legal advice. Emergency compliance audits. All destroy cash. The irony is s...

In this episode of Physical Therapy Private Practice Secrets of the Top 10%, Brian Gallagher sits down with Dr. Heidi Jannenga, co-founder of WebPT, to unpack the key insights from the 2025 State of Rehab Therapy Report. Together they explore the biggest forces shaping private practice today—margin compression, clinician burnout, administrative burden, and the rapid rise of AI and automation in healthcare. Brian and Heidi discuss what the data reveals about the disconnect between clinic owners and clinicians, why smaller practices are struggling to adopt new technologies, and how forward-thinking practices are adapting their business models to stay profitable. If you're a practice owner looking to navigate the challenges of 2026 and beyond, this episode delivers practical insights you can apply immediately. Access WebPT 2025 State of Rehab Therapy Report

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Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3931: Paula Pant explores how the “1% margin for improvement” helped figures like Dave Brailsford and Wilhelm Steinitz achieve extraordinary success through small, consistent gains. By pairing ruthless prioritization with tiny daily improvements, she shows how anyone can transform their finances, habits, and career trajectory over time. Listen to discover how micro-progress, applied deliberately, compounds into remarkable results. Read along with the original article(s) here: https://affordanything.com/one-percent-margin-for-improvement-aggregation-of-marginal-gains/ Quotes to ponder: “We searched for small improvements everywhere. Forget about perfection; focus on progression.” “We tried so hard with all the bells and whistles of marginal gains that our focus was too much on the periphery and not on the core.” “You have to identify the critical success factors and ensure they are in place, and then focus your improvements around them. That was a harsh lesson.” Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3931: Paula Pant explores how the “1% margin for improvement” helped figures like Dave Brailsford and Wilhelm Steinitz achieve extraordinary success through small, consistent gains. By pairing ruthless prioritization with tiny daily improvements, she shows how anyone can transform their finances, habits, and career trajectory over time. Listen to discover how micro-progress, applied deliberately, compounds into remarkable results. Read along with the original article(s) here: https://affordanything.com/one-percent-margin-for-improvement-aggregation-of-marginal-gains/ Quotes to ponder: “We searched for small improvements everywhere. Forget about perfection; focus on progression.” “We tried so hard with all the bells and whistles of marginal gains that our focus was too much on the periphery and not on the core.” “You have to identify the critical success factors and ensure they are in place, and then focus your improvements around them. That was a harsh lesson.” Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3931: Paula Pant explores how the “1% margin for improvement” helped figures like Dave Brailsford and Wilhelm Steinitz achieve extraordinary success through small, consistent gains. By pairing ruthless prioritization with tiny daily improvements, she shows how anyone can transform their finances, habits, and career trajectory over time. Listen to discover how micro-progress, applied deliberately, compounds into remarkable results. Read along with the original article(s) here: https://affordanything.com/one-percent-margin-for-improvement-aggregation-of-marginal-gains/ Quotes to ponder: “We searched for small improvements everywhere. Forget about perfection; focus on progression.” “We tried so hard with all the bells and whistles of marginal gains that our focus was too much on the periphery and not on the core.” “You have to identify the critical success factors and ensure they are in place, and then focus your improvements around them. That was a harsh lesson.” Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3930: Paula Pant explores how the “1 percent margin for improvement,” popularized by Dave Brailsford and echoed by thinkers like Wilhelm Steinitz and Leo Babuta, can transform finances, health, learning, and business results. By pairing ruthless prioritization with tiny, consistent gains, she shows how small daily actions compound into extraordinary outcomes. Listen to discover how micro-progress can help you finally move the needle on the goals that matter most. Read along with the original article(s) here: https://affordanything.com/one-percent-margin-for-improvement-aggregation-of-marginal-gains/ Quotes to ponder: “We searched for small improvements everywhere. Forget about perfection; focus on progression.” “Prioritization is the ‘what.' Marginal gains is the ‘how.'” “One percent improvements create champions over time.” Episode references: Fresh Tilled Soil: https://www.freshtilledsoil.com/ Tour de France: https://www.letour.fr/en/ Harvard Business Review: https://hbr.org/ Learn more about your ad choices. Visit megaphone.fm/adchoices

FOLLOW UP WITH ANDREW X: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://x.com/andrewjfaris⁠⁠⁠ Email: ⁠⁠⁠podcast@ajfgrowth.com⁠⁠⁠Work with Andrew: ⁠⁠⁠https://ajfgrowth.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠INTELLIGEMSIntelligems brings A/B testing to business decisions beyond copy and design. Test your pricing, shipping charges, free shipping thresholds, offers, SaaS tools, and more by clicking here: ⁠https://bit.ly/42DcmFl⁠. Get 20% off the first 3 months with code FARIS20.MOVE SUPPLY CHAINReduce your OpEx and create more leverage in your company with financial forecasting, AI, and offshore talent by visiting ⁠https://morestaffing.co/af⁠.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3930: Paula Pant explores how the “1 percent margin for improvement,” popularized by Dave Brailsford and echoed by thinkers like Wilhelm Steinitz and Leo Babuta, can transform finances, health, learning, and business results. By pairing ruthless prioritization with tiny, consistent gains, she shows how small daily actions compound into extraordinary outcomes. Listen to discover how micro-progress can help you finally move the needle on the goals that matter most. Read along with the original article(s) here: https://affordanything.com/one-percent-margin-for-improvement-aggregation-of-marginal-gains/ Quotes to ponder: “We searched for small improvements everywhere. Forget about perfection; focus on progression.” “Prioritization is the ‘what.' Marginal gains is the ‘how.'” “One percent improvements create champions over time.” Episode references: Fresh Tilled Soil: https://www.freshtilledsoil.com/ Tour de France: https://www.letour.fr/en/ Harvard Business Review: https://hbr.org/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3930: Paula Pant explores how the “1 percent margin for improvement,” popularized by Dave Brailsford and echoed by thinkers like Wilhelm Steinitz and Leo Babuta, can transform finances, health, learning, and business results. By pairing ruthless prioritization with tiny, consistent gains, she shows how small daily actions compound into extraordinary outcomes. Listen to discover how micro-progress can help you finally move the needle on the goals that matter most. Read along with the original article(s) here: https://affordanything.com/one-percent-margin-for-improvement-aggregation-of-marginal-gains/ Quotes to ponder: “We searched for small improvements everywhere. Forget about perfection; focus on progression.” “Prioritization is the ‘what.' Marginal gains is the ‘how.'” “One percent improvements create champions over time.” Episode references: Fresh Tilled Soil: https://www.freshtilledsoil.com/ Tour de France: https://www.letour.fr/en/ Harvard Business Review: https://hbr.org/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Hour 3 of JJ & Alex with Jeremiah Jensen and Alex Kirry. NHL Standings and the Mammoth playoff percentages  Cole Bagley, Utah Mammoth insider for KSL Sports Utah Mammoth vs Minnesota Wild

This is a free preview of a paid episode. To hear more, visit www.auburnobserver.comJustin and Dan look at Auburn basketball's do-or-die bubble situation over the next two home games after a disappointing loss at Oklahoma. Topics for this episode include:* the sudden urgency of Auburn's situation* what's changed the most over the last month* the defensive problems that surfaced again in Norman* why it's especially disappointing that the team hasn't gotten better over the course of the year* the areas where Auburn's defense needs to improve the most* the risks of filling a roster with players who are new to D1 (or even SEC) basketball* why Ole Miss presents a dangerous challenge despite having lost ten straight games* a Troy Women's Basketball update from Dan before the final day of the regular season in the Sun Belt * a jam-packed Grubserver segment featuring Mexican food in Denton, pizza in Norman, and Dan getting a California pizzeria confused with a Juvenile albumThis is a premium podcast for Observer subscribers only. You can join by clicking the button below or going to this link.Follow Dan (@dnpck) and Justin (@JFergusonAU) on Twitter.

Dr. Matthew Preston and Dr. Thaon Simms review two investing classics that transformed how they think about money. Thaon breaks down Morgan Housel's Psychology of Money, revealing why a janitor accumulated $8 million while a Harvard executive went bankrupt. Preston dives into Warren Buffett's shareholder letters, explaining why Buffett says any company with an economist has one employee too many.You'll discover why behavior trumps intelligence in investing, how 84% of Buffett's wealth came after age 50, the dangerous trap of moving financial goalposts, and why circle of competence matters more than credentials.Chapters:00:00 Introduction to Financial Book Club00:52 The Psychology of Money by Morgan Housel02:07 Behavior vs Intelligence in Investing05:36 The Janitor vs The Harvard Grad09:03 Reasonable vs Rational Decision Making12:33 The Art of Survival and Compounding14:33 Room for Error and Margin of Safety18:28 Defining Enough and Finding Freedom20:09 Happiness and Lower Expectations24:02 The Essays of Warren Buffett26:09 Margin of Safety in Practice27:57 Circle of Competence Explained29:19 Medical Stocks and Unfair Advantages32:42 Mr Market Analogy35:38 Ignoring Macro Predictions37:38 Why Economists Can't Forecast41:51 Management Alignment with Shareholders42:38 Book Recommendations Request

In this episode of the Newsmakers Podcast, Jackie Sponsler, master advisor at CEO Warrior, unpacks the real story behind today's labor shortage. Sponsler argues the issue isn't just a lack of workers, but a shortage of skilled, accountable, revenue-producing technicians, and explains why retention, incentive pay structures, and clear career paths are the true competitive advantages. The conversation also dives into material price volatility, labor efficiency benchmarks, and why contractors must build disciplined budgets before attempting to scale.

Send a textOn a recent cruise in the Caribbean, God began speaking to me about something I didn't realize I was missing — margin.Not more productivity.Not more opportunity.Margin.The space between my load and my limit. The breathing room in my time, finances, and emotional energy.In this episode, I share how Jesus modeled margin for ministry, Mark 1:35, why interruptions are often divine assignments, and how living too full can cause us to miss the very people God places in front of us.Because love requires availability.And availability requires space.I'll also give you practical ways to build intentional margin in this season and reflection questions to help you discern where you may be overfilled.If you're longing to slow down and hear God more clearly, this episode is for you.And if you want guided space to practice listening and creating with Him, explore my Creative Healing Bundle, Refreshing the Soul, or Ashes to Bloom.God still speaks. Sometimes we just need to make room.

In this episode, President and Senior Financial Planner Paul L. Moffat and Director of Financial Planning Jordan Naffa discuss how dividends, margin usage, stock options, and certain market transactions can significantly impact tax outcomes. While these strategies can enhance income and portfolio flexibility, they also introduce nuanced tax rules that investors must understand to avoid unintended consequences.Paul and Jordan explain the importance of qualified dividend treatment, how margin can alter tax classification, and why timing matters when purchasing dividend paying stocks, ETFs, or mutual funds. They also cover alternative minimum tax considerations related to incentive stock options and highlight the risks of concentration in high dividend stocks.This episode reinforces the need for disciplined planning, careful coordination with tax professionals, and a long term perspective when implementing dividend and option strategies.In this episode: ● The difference between qualified and ordinary dividend treatment ● How margin usage can affect dividend tax status ● Holding period requirements for favorable dividend taxation ● Dividend timing considerations for stocks, ETFs, and mutual funds ● Alternative minimum tax exposure with incentive stock options ● Risks of concentrating in high dividend paying companies ● Why protecting after tax returns requires careful planningThe opinions expressed in this podcast are for general purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide education about the financial industry. It is not intended to provide tax or legal advice. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed in this program is not a guarantee of future results. Any indices referenced for comparison are unmanaged and cannot be invested in directly. As always, please remember that investing involves risk and the possible loss of principal. Please seek advice from a licensed professional.Arista Wealth Management is a registered investment adviser. Advisory services are only offered to clients or prospective clients where our firm and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Arista Wealth Management unless a client service agreement is in place.

The current landscape of the furniture industry is characterized by a measured yet optimistic outlook, as we observe a selective financial performance amidst persistent tariff uncertainties and shifting consumer confidence. Key players, such as Havertys, have demonstrated a commitment to disciplined management practices, focusing on promotional balance, cost control, and the protection of gross margins rather than indiscriminately pursuing top-line growth. The premium segment, in particular, continues to assert its presence, with strong demand for high-quality design and curated assortments, indicating that the higher-end consumer remains engaged despite broader market challenges. Furthermore, the value retail sector is gaining traction, suggesting a significant shift in consumer purchasing behavior towards price-sensitive alternatives, thus presenting both warnings and opportunities for traditional furniture retailers. As we navigate these complexities, it becomes evident that the overarching theme is one of discipline—retailers and manufacturers that maintain vigilant oversight of pricing, inventory, and capital allocation are better positioned to thrive in this evolving environment.Takeaways:Consumer confidence is exhibiting a modest increase, albeit still remaining below earlier peak levels.The furniture retail landscape is marked by tariff uncertainties that are likely to persist for the foreseeable future.Havertys has adopted a prudent approach, emphasizing margin protection and inventory management over aggressive growth strategies.The premium segment of the market continues to demonstrate resilience amidst broader economic challenges and shifting consumer preferences.AI technology is increasingly accessible to smaller retailers, allowing them to enhance operational efficiencies and competitive positioning.The current market environment necessitates a disciplined focus on pricing, inventory, and capital allocation to navigate the complexities ahead.

Live from Joe's mom's basement (where the jokes are free but hospital care apparently isn't), the Stacking Benjamins crew tackles two very real financial stressors: surprise medical debt and a shifting housing market. First up is Amani Vance, who joined the Coast Guard at 19 and soon faced a nightmare scenario. What started as appendicitis escalated to severe sepsis after limited on-base resources and long waits for off-base care. After hospitalization, including treatment for an abscess and eventual appendix removal, Amani received a bill totaling roughly $43,000 to $45,000. And here's where it gets worse. She didn't qualify for VA help because she hadn't yet served 180 days. Accessing Coast Guard records proved difficult. The bill arrived after the care, opaque, overwhelming, and completely disconnected from what she had agreed to or expected. If you're a Stacker, you know this feeling. The stress isn't just the number. It's the lack of clarity. Amani shares how she started researching options, discovered the nonprofit Dollar For through Reddit, and used them to apply for hospital financial assistance. Dollar For helped her complete and submit the required forms, and within weeks, she was approved for 100% financial assistance, wiping out the bill entirely. Joe Saul-Sehy highlights an important takeaway. Nonprofit hospitals are legally required to offer financial assistance. Many for-profit hospitals offer programs, too. Income thresholds are often higher than people assume. The applications can be confusing, which is where advocates like Dollar For can make a huge difference. Instead of locking into $300 to $500 monthly payments for years, Amani walked away debt-free and with a completely different outlook. After Doug drops trivia about the youngest bank robber (yes, really), the crew pivots to housing. A recent Wall Street Journal/Redfin headline suggests the housing market may be tilting toward buyers, with more homes selling below list price and average sales around 8% under asking. Joe and OG break down what that means for Stackers, not in headline hype terms but practical life terms. What You'll Learn: Medical Bills and Financial Assistance: • Why medical debt feels different from other debt • How hospital financial assistance programs work • Why many people qualify but never apply • How nonprofits like Dollar For can help navigate the paperwork • Why you should always ask for itemized bills and assistance options Housing Market: Think Forward, Not Backward: • Why you shouldn't get stuck in your mortgage just because you locked in a low rate • How anchoring to past rates can cloud present decisions • Why negotiating power is shifting and how to use it • The importance of building financial margin when income rises • Smart, low cost staging tactics, including hiring a pro for just an hour of advice • How AI tools can help with pricing and presentation ideas The Big Takeaways: Before paying a massive medical bill, check whether you qualify for assistance. Financial stress often comes from confusion. Clarity is power. Housing decisions should be forward-looking, not emotionally anchored to the past. Margin and flexibility beat perfect timing. This Episode Is For You If: • You're facing medical debt and thought you had no options • You've been putting off dealing with a hospital bill because it feels hopeless • You're stuck in a low rate mortgage and wondering if you should move • You want to understand what's really happening in the housing market • You believe there's always more to the story than the bill or the headline Question for You: Have you ever negotiated or reduced a bill you initially thought was non-negotiable? Share your story in the Spotify comments or The Basement Facebook group. Your experience might help another Stacker avoid paying more than they should. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Recent analysis from Goldman Sachs indicates that $700 billion in AI investment during 2025 resulted in no measurable U.S. GDP growth, with most AI equipment imports negating domestic benefits and 80% of surveyed firms reporting no productivity or employment improvements. This pattern suggests that AI-related spending has primarily shifted margins from enterprise IT budgets to a small number of infrastructure vendors rather than delivering distributed value. Internal concerns are rising, with 90% of IT leaders questioning AI's return on investment, and 80% citing fragmented data as a primary challenge to measuring outcomes. Further context reveals that agentic AI initiatives face operational headwinds: Gartner expects 40% of such projects to be cancelled by 2027, and S&P Global found nearly half are abandoned before production, most often due to inadequate planning and data foundations. Margin erosion is widespread, attributed to AI implementation costs, and attempts to scale AI agents into production remain limited by inference costs and insufficient infrastructure. Despite increased adoption efforts, sustainable value delivery from AI platforms remains elusive for most organizations. Enterprise AI access is becoming increasingly concentrated. OpenAI's partnership with consulting firms such as BCG, McKinsey, Accenture, and Capgemini consolidates control of the enterprise distribution layer, narrowing competitive opportunities for smaller providers. Meanwhile, Amazon's 13-hour AWS outage, linked to the misconfiguration of an internal AI tool, underscores the liability ambiguity in agentic systems—where vendors may attribute autonomous actions to user error, complicating risk assignment. Additional updates from vendors such as Anthropic, Cloudflare, and New Relic address incremental technical capabilities, with a distinct focus on cost, operational governance, and policy enforcement. The prevailing themes for MSPs and IT leaders are increased scrutiny of AI value, heightened exposure to cost and accountability risk, and the emergence of managed service opportunities around data governance, cost instrumentation, and liability management. With enterprise market channels consolidating and risk shifting toward service providers, integrating robust contractual definitions for autonomy, incident attribution, and financial boundaries is essential to limit harm and clarify responsibility before incidents occur. Four things to know today 00:00 Goldman: $700B AI Spend Delivered Near-Zero U.S. GDP Growth in 2025 03:49 OpenAI Enlists BCG, McKinsey, Accenture to Distribute Enterprise AI Agents 06:44 Report: Amazon's Own Engineers Prefer Claude Over Its Mandated Internal Tools 08:56 AI Inference Costs Are Falling — But Governance Gaps Are Growing This is the Business of Tech.    Supported by: CometBackup  Small Biz Thoughts Community   

Risk Isn't Reckless | Elite Risk Management with SuperFrenchie What does it take to make decisions when the margin for error is zero? In this episode of The Heartbeat for Hire Podcast, Lyndsay sits down with Matthias Giraud — better known as SuperFrenchie — two-time world record–holding ski BASE jumper, professional alpinist, and the only person in history to ski BASE jump the Alps Trilogy: Eiger, Matterhorn, and Mont Blanc. Known for GoPro's first viral avalanche cliff jump and featured on 60 Minutes, CNN Headline News, and international media worldwide, Matthias has amassed over 100+ million cumulative views across social, YouTube, and global television. But this conversation isn't about adrenaline. It's about discipline. It's about fear. It's about clarity under pressure. This episode explores the psychology behind extreme performance, dismantles the myth of the "adrenaline junkie," and reframes risk as a leadership competency — not a personality trait. Episode Summary In this episode of The Heartbeat for Hire Podcast, Lynz welcomes two-time world record-holding ski BASE jumper Matthias Giraud, famously known as "SuperFrenchie." Matthias shares his journey from the French Alps to becoming a professional mountain athlete and the only person to ski BASE jump the "Alps Trilogy" — the Eiger, Matterhorn, and Mont Blanc. The conversation dives deep into the psychology of extreme sports, debunking the myth of the adrenaline addict and instead focusing on elite risk management, the necessity of fear, and finding fulfillment through self-calibration. In This Episode, You'll Learn: 1️⃣ How elite performers evaluate risk before emotion takes over 2️⃣ Why fear is not the enemy — but a required data point 3️⃣ How preparation, humility, and presence create sustainable performance Key Takeaways Fulfillment Over Adrenaline The Power of Self-Calibration Failure as a Teacher Honor Your Inner Child Personal Accountability Episode Chapters [00:00] – The Illusion of Arrogance [03:15] – Redefining the "Adrenaline Junkie" [06:04] – The Origin of "Super Frenchy" [08:50] – Honoring the Inner Child [12:15] – Self-Calibration vs. Failure [14:45] – The "Weather Report" Philosophy [17:30] – Managing Fear and Anxiety [20:10] – The Alps Trilogy [23:55] – Vulnerability in Leadership [27:20] – The Concept of "Active Waiting" [30:45] – Defining Success [33:15] – Final Thoughts and Where to Follow About Matthias Giraud Matthias Giraud (SuperFrenchie) is a professional mountain athlete specializing in alpinism, steep skiing, and BASE jumping. He is a two-time world record holder for highest ski BASE jump and has completed numerous first descents and ski BASE jumps worldwide, including: First ski BASE jump off Eiger First ski BASE jump off Matterhorn First ski BASE jump off Mont Blanc First ski BASE jump off Mt. Hood First Night Ski BASE Jump He has performed and spoken for global organizations including Apple, Facebook, and NetApp and continues to produce high-engagement content across social and YouTube. Follow Matthias: Instagram: @superfrenchieofficial

In the first official episode of Culture Over Quota, AJ Vaughan introduces a concept that sits right in the uncomfortable gap most high-growth organizations refuse to measure: People Profit.Every leadership team can tell you their CAC, EBITDA, unit economics, and revenue per employee. Those numbers are discussed, defended, and forecasted like gospel. But the most important operating system behind all of them — the lived reality of the workforce — often goes unmeasured until it breaks.This episode is a direct conversation to CHROs, CFOs, CROs, and private equity operators who are chasing scale without pretending the human layer will “figure itself out.”AJ breaks down the hidden margin crisis that shows up when companies optimize for short-term output while ignoring human capacity alignment: the quiet disengagement, the innovation drag, the internal hesitation, the missed handoffs, the cancelled collaboration meetings, the increase in “heroics,” and the fear-based grind that turns high performers into flight risks.You'll hear why a company can look “fine” on paper while internally bleeding speed — and why leaders often feel the month was “off,” even when dashboards don't explain it.AJ uses a simple but sharp sports analogy: teams that sprint too hard early burn out late. Businesses do the same thing — pushing intensity without building sustainable alignment — then act surprised when Q2 momentum fades, Q3 gets weird, and Q4 becomes a recovery plan.People Profit is AJ's push to change what we track:Not just financial outcomes, but the human signals that predict them alignment, psychological safety, workload strain, collaboration quality, and the invisible behaviors that either compound performance or quietly tax it.Because culture isn't a vibe.It's a performance system.And when you measure it honestly, it becomes a margin.This is Part One of a multi-part breakdown of the People Profit framework and the start of Culture Over Quota as a movement for leaders who want growth without burnout, speed without chaos, and profit without losing the people who create it.

Landon Swan talks about his firm's recent data on Salesforce (CRM) following the stunning sell-off in shares. He points to the general SaaS stock selling as overblown and expects Salesforce to bounce on its earnings. However, Landon still sees AI threats and margins as concerns for the company's long-term outlook. ======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

Tariffs, inflation, and rising labor costs are putting real pressure on shop margins right now—and I know a lot of shop owners are asking how to recover those costs without upsetting customers. In this episode of Ratchet+Wrench Radio, I sit down with payments expert Randy Motos to break down surcharging: what it is, how it works, what the compliance rules really are, and why “freedom of choice” at checkout is becoming a go-to strategy for shops looking to offset credit card fees while protecting customer trust.

If you sell product, you should be asking.In this episode, Cheryl and Liz discuss how to build vendor relationships that actually improve your margin with better pricing, extra percentages, showroom discounts, and free samples by strategy. They share how to pre-sell projects, position your showroom as leverage, communicate upcoming sales, and negotiate from clarity instead of hope. Because reps are motivated by volume — and if you're moving product, you have influence. This is about operating like a business owner.If you are ordering it anyway, ask.If you are promoting it, ask.If you are bringing them business, ask. Margin often lives in the conversation you didn't initiate.Have a question--click here to ask us.RESOURCE LINKS:Damn Good Workshops - WebsiteJoin us for our next workshop on February 25!These workshops are 2–3 hour deep dives (some more than one day) built for creative entrepreneurs who want to lead with confidence, price with authority, and grow with intention. We created this workshop series with tracks that cover the challenges we know designers face: pricing, sales, client relationships, project management, marketing, and leadership.Each workshop is designed to stand alone — so you can choose the topics that matter most right now — while still connecting to the bigger picture of building a profitable, sustainable design business.Damn Good Designer - Damn Good Designer - WebsiteThe best multi-faceted business coaching for Interior designers—seriously. This is not some wham-bam glamathon; It is the real deal you have been looking for and what is missing from the business coaching marketplace today.The Paradigm Quick Start - 3 Month Custom Coaching ProgramThe Paradigm Shift - 6 Month Custom Coaching ProgramThe Paradigm Intensive - 12 Month One on One Immersive Custom Business CoachingJoin our FREE Facebook GroupsSmall Business - Think Big - FacebookWhat They Didn't Teach You in Design School - Facebook GroupFor designers who need honest talk and a place to work on the business, marketing and promotion small business owners need.Subscribe to our NewsletterABOUT US:Cheryl Clendenon is the host of The Damn Good Designer Podcast and an award-winning interior designer, writer, and business coach with 26 years of full-time industry experience. With a prior career in media and radio sales, she brings a rare blend of creative thinking and business acumen to the...

Six Flags posted Q4 2025 results this week. Modified EBITDA margin fell from 33.2% to 27.1%. Attendance dropped 13%, with roughly 425,000 of those lost visits tied directly to cutting winter holiday events at four parks — a decision the company now calls a self-inflicted headwind. New CEO John Reilly is two months into the job and was candid about not yet having a full plan. He's toured 14 parks, collected over 300 employee proposals, and shared examples from his listening tour: increasing ride uptime and throughput, placing executive chefs in parks, and buying equipment the chain has been renting at a loss for years. All good ideas. All things that probably should have been happening already. What the examples reveal is a deeper structural problem with how information and decisions have flowed across 26 parks — and whether the merger made that worse. Reilly deserves time. But the margin, the debt, and the parks that barely contribute to EBITDA aren't going to wait forever. Listen to weekly BONUS episodes on our Patreon.

Laois' Patrick Harding, the performance coach for Formula One driver Alex Albon, joins Eve Conway in studio to talk through his journey from the GAA, to the Olympics, to the Premier League and now to the pinnacle of motorsport. Ahead of the 2026 F1 season starting in Australia next week, with a whole new generation of cars, Patrick chats about how to extract every inch of performance from a driver over the course of the weekend, competition in the garage, and his favourite races.

Let me know your thoughts on the show and what topic you would like me to discuss next.You keep saying “after this,” and life keeps answering with another deadline, another fire, another request that only you can handle. We pull the thread on that story and reveal the structure underneath: a high capacity life that generates new pressure faster than the old pressure resolves. Not because you plan poorly or lack discipline, but because people depend on you, you deliver, and the system rewards reliability with more demand.We walk back through the last three years and map the moments you promised change would happen later: after the quarter closes, after the promotion, after the move, after the kids are older. The details shifted, but the pattern held. Along the way we name the hidden costs you might be normalizing as “temporary”: a spouse who adapts to partial presence, kids who stop bringing you the deep stuff, and an internal compass dulled by constant reactivity. Nothing explodes, nothing obviously breaks, yet influence erodes as others learn to work around your limited availability.Then we pivot from diagnosis to design. Margin isn't found at the end of your task list; it's created by deciding what will not be urgent and by acting on priorities despite imperfect timing. We offer practical moves: write down the last five “after this” promises and note what actually changed; set a cap on what earns the crisis label; schedule device‑free, recurring time with your partner and each child; install simple work constraints that protect presence, like no same‑day late meetings or a nightly shutdown ritual. The goal isn't doing less or becoming less capable. It's aligning capability with commitments so the people who matter get more than your leftovers.If you've wondered how many more years you'll wait for the mythical calm season, this conversation invites a different choice. Call the pattern what it is, stop asking circumstances for permission, and create margin now. If this resonated, subscribe, share it with a friend who needs the nudge, and leave a review telling us the one boundary you'll set this week. Your future self—and your family—will feel the difference.Key moments in this episode:00:00 This Isn't a Busy Season...It's a Pattern (Full)00:42 Mapping Your Timeline08:29 Why Temporary Becomes Permanent11:30 The Real Cost of Deferring14:56 Breaking the PatternSupport the showThanks for listening to the Revolutionary Man Podcast. For more information about our programs, please use the links below to learn more about us. It could be the step that changes your life.

How do we live within our means in a culture that constantly pushes us to spend more? In this message from our "Dollars & Sense" series, Pastor Josh shares biblical principles and practical guidance around budgeting, discipline, and contentment—pointing us toward a healthier relationship with money and a life with less stress and more peace. // Verses and message notes: www.theridge.church/notes // Join us online or in person Sundays at 9a + 11a: www.theridge.church/live

Rob Schimmenti is flipping houses in New York City — one of the most competitive real estate markets in the country — and closing 15 high-margin deals per year primarily through driving for dollars. In this episode, he breaks down his real numbers, how he generated nearly $3M from 26 deals, why his driving-for-dollars list produces bigger spreads than PPC or high-equity lists, how he calculates ROAS, and the simple postcard tweaks that improved his response rates. If you want to compete in a saturated market without a massive team or complicated funnels, this is a practical look at what's actually working.   KEY TALKING POINTS: 0:00 - Intro 0:50 - Rob Schimmenti's Business 1:42 - Learning From Alex Hormozi 3:28 - His First Deal Under Contract 7:22 - Fractional Ownership Process 10:11 - Finding ROAS & His Next Deal 13:30 - Closing Costs In NY 14:35 - What His Team Looks Like 16:21 - Driving For Dollars 20:28 - D4D vs List Building 23:11 - How He's Improved His Postcards 26:57 - Where To Find Rob & Closing Thoughts 29:07 - Outro   LINKS: Instagram: Rob Schimmenti https://www.instagram.com/robschimmenti/   Website: Cash 4 Keys https://www.cash4keys.com/   Instagram: David Lecko https://www.instagram.com/dlecko   Website: DealMachine https://www.dealmachine.com/pod   Instagram: Ryan Haywood https://www.instagram.com/heritage_home_investments   Website: Heritage Home Investments https://www.heritagehomeinvestments.com/

Book a free strategy call to see how we can help you hit your goals and beyond: https://bit.ly/3TvGiNW or call us at: (214)-453-1591Grab our FREE resource: The Foundation Series, Real strategies to build a business that runs (and grows) without chaos: https://bit.ly/3Yqzow5────────────────────────────────────────────────────────────────────────────────“How did I do this before?”That's the number-one thing ServiceTitan hears from contractors after they make the switch. And now, ServiceTitan and CertainPath are officially partnered—which means the best coaching in home services just got paired with the most powerful software platform in the industry.In this episode of The Successful Contractor, Bob sits down with Joseph Morales and Phil Stern from ServiceTitan—recorded live at CertainPath's Eagles' Summit—to unpack what this partnership means for contractors, what's new with ServiceTitan's Pro Products, and why the AI revolution is already changing how you dispatch, market, and grow.Joseph has spent four years on the road meeting contractors face-to-face. Phil came from 12 years at Google, where he worked on AI solutions and partnerships with brands like Wells Fargo and Ford. Together, they break down ServiceTitan's biggest announcements—from the commercial and construction expansion to the AI-powered Dispatch Pro that's already proving your gut instincts wrong.What You'll Learn in This Episode:•        Why ServiceTitan and CertainPath partnered—and why Phil says “CertainPath's model was a perfect fit”•        The “How did I do this before?” moment—what contractors consistently say after adopting ServiceTitan•        How one contractor was spending 4 hours a day tracking time through email—and how geo-fencing automation eliminated it overnight•        Dispatch Pro: the AI tool that's matching the right tech to the right job for profit—and proving that your “best guy” isn't always who you think•        Marketing Pro: the most-adopted Pro Product, with smart campaigns, UTM tracking, reputation management, and AI-powered ad optimization•        Scheduling Pro: how to automate maintenance contract bookings and online scheduling—straight into your ServiceTitan dashboard•        Atlas and Titan Intelligence: ServiceTitan's new AI-powered voice and dispatching tools•        Titan Score: how ServiceTitan grades your software usage and tells you where to expand next•        The commercial and construction expansion: why contractors who dismissed ServiceTitan as “residential only” need to take a second look•        ServiceTitan's roofing push: the GAF partnership and growing adoption across trades•        CertainPath coach certification: 40–60 hours of training, full curriculum access, and demo accounts—so your coach knows the software inside and out•        Why ServiceTitan is “all in” on CertainPath events—not a one-and-done partnershipWhether you're already on ServiceTitan and want to get more out of it, or you've been on the fence about making the switch—this episode gives you the inside track on where the software is going and how CertainPath coaching is about to make it even more powerful.

Send a text When there's no margin left, even the life you love can feel tight. This conversation sits with that tension — and reminds you to stay steady in it.

(00:00-18:05) So What'd Your Grandma Think featuring Jackson's favorite coach Mick Cronin not happy with the question about Michigan State's student section. Audio of Josh Schertz's post game comments about his team's lackidaisical effort catching up to them. Kellen Thames's struggles. Margin of error has shrunk for the Billikens.(18:13-30:45) Doug's boiler cam. Is he stress eating? Jason Isringhausen is coaxed over to the show. His golf game. Working with the younger guys in camp. John Rodriguez with the J-Rod spikes. Johnny Load. Izzy's mustache is looking wonderful.(30:55-31:13) And the winner of the Design Aire Heating & Cooling EMOTD is...See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Reach Out Via Text!Spring is almost here, and if you don't get proactive right now, you're going to feel it in your margins! In this episode, Jeremiah walks through highly actionable steps to bulletproof your landscaping business before March 1 hits — covering price increases, cash flow protection, production efficiency, and selling high-margin enhancements. He breaks down exactly how to use real man-hour data to justify raises, why mid-season price increases hurt your brand, and how to build a scalable system targeting $100 revenue per hour and 50% gross profit. You'll also hear practical strategies for tightening routes, increasing lead flow, building contractor relationships, and avoiding the trap of hiring too fast during spring rush. This is a tactical, no-fluff roadmap to starting the season strong and protecting your margins all year long!Support the show 10% off LMN Software- https://lmncompany.partnerlinks.io/growinggreenpodcast Signup for our Newsletter- https://mailchi.mp/942ae158aff5/newsletter-signup Book A Consult Call-https://stan.store/GrowingGreenPodcast Lawntrepreneur Academy-https://www.lawntrepreneuracademy.com/ The Landscaping Bookkeeper-https://thelandscapingbookkeeper.com/ Instagram- https://www.instagram.com/growinggreenlandscapes/ Email-ggreenlandscapes@gmail.com Growing Green Website- https://www.growinggreenlandscapes.com/

Estimating isn't just math—it's how contractors decide which risks they're willing to own. In this episode of the Construction Genius Podcast, Eric Anderton talks with Chris Clausing, Director of Program and Curriculum Innovation for Construction at Colibri Group, about why estimating is still more art than science—and why contractors consistently miss the risk margin that protects profit. Drawing on 25 years as a commercial general contractor, Chris explains how regional differences, niche discipline, poor handoffs, and earned value blind spots quietly erode margins. They also discuss how AI can help identify estimating risks—if it's adopted thoughtfully. If you've ever won work that you later wished you hadn't, this episode will change how you think about estimating.