Podcasts about Margin

Fred and Sherrod were top-tier corporate sales performers pulling in six-figure salaries before they realized that the local "dirty" businesses—like junk haulers and carpet cleaners—were actually out-earning them while enjoying significantly more freedom. Tired of the "gilded cage" of corporate America, this US Army veteran duo walked away from their Fortune 500 careers to build Accelerated Waste Solutions. Today, they've turned a borrowed pickup truck into a national system that generates $1 million a month with a staggering 60% gross profit margin.In this episode, Fred and Sherrod join Ryan Atkinson to break down their recession-proof playbook for building a high-margin service business. They dive deep into why they prioritize B2B contracts over B2C, explaining the strategic shift from "renting" customers to "owning" them through recurring revenue. You'll learn the mathematical secrets behind their "Bigger Trucks, Better Pricing" competitive advantage and how they used a patented junk removal app to bring transparency and technology to the waste management industry.From leveraging relationships at the local Chamber of Commerce to the conviction required to turn down a $5 million acquisition offer, Fred and Sherrod share the grit and systems needed to scale a successful franchise. Whether you're interested in business acquisition, startup advice for service-based businesses, or transitioning from sales to CEO, this interview provides the roadmap to financial independence. Stay tuned for their "fan blitz" where they reveal the essential tools—like the humble dolly and scoop shovel—that save their teams hours of labor every single weekTakeaways:- The realization that local service providers often out-earn six-figure corporate employees can be the ultimate catalyst for leaving the corporate ladder.- Focusing on B2B contracts with apartment complexes allows a business to "own" a customer through recurring revenue rather than "renting" them for one-time residential events.- Successful business opportunities often stem from solving personal daily frustrations, such as the inconvenience of transporting trash across a large residential property.- Maintaining a 60% gross profit margin is achievable by using larger trucks and precise mathematical volume calculations to offer the most competitive price per cubic yard.- Integrating patented technology like photo-based reporting creates a transparency "trust factor" that differentiates a service business from competitors who use bait-and-switch pricing.- Prioritizing community relationships and joining local chambers of commerce is often more effective for long-term growth than immediate, unguided prospecting.- Entrepreneurs must identify their "Achilles' heels" early on and utilize resources like AI or specialized sales training to offset their personal skill gaps.- Investing in simple but essential equipment like heavy-duty dollies and scoop shovels prevents unprofessionalism and saves hours of physical labor on the job site.- Maximizing daily efficiency requires a purposeful routing plan for both service calls and prospecting before even leaving the house in the morning.- Having a clear vision and a "why" beyond just money provides the conviction necessary to turn down premature multi-million dollar acquisition offers in favor of long-term scaling.Tags: Side Hustle, Entrepreneurship, B2B, Business Mindset, Startup, Customer Retention, Junk Hauling Resources:Grow your business today:  https://links.upflip.com/the-business-startup-and-growth-blueprint-podcast Connect with Fred and Sherrod:https://www.instagram.com/awsfranchise/?hl=en

Niels and Cem reflect on a year marked by concentration, confidence, and growing structural fragility beneath calm markets. They examine extreme positioning, record low cash levels, and the quiet dominance of reflexive flows over fundamentals. Cem challenges common readings of volatility, explains where real fear hides in options markets, and outlines why tail exposure becomes critical late in cycles. The discussion broadens into portfolio construction, questioning the legacy of 60/40 investing and the illusion of diversification built during falling-rate decades. Grounded in history, market structure, and political cycles, this conversation offers a disciplined framework for navigating regimes where leverage, policy, and inequality quietly redefine risk.-----50 YEARS OF TREND FOLLOWING BOOK AND BEHIND-THE-SCENES VIDEO FOR ACCREDITED INVESTORS - CLICK HERE-----Follow Niels on Twitter, LinkedIn, YouTube or via the TTU website.IT's TRUE ? – most CIO's read 50+ books each year – get your FREE copy of the Ultimate Guide to the Best Investment Books ever written here.And you can get a free copy of my latest book “Ten Reasons to Add Trend Following to Your Portfolio” here.Learn more about the Trend Barometer here.Send your questions to info@toptradersunplugged.comAnd please share this episode with a like-minded friend and leave an honest Rating & Review on iTunes or Spotify so more people can discover the podcast.Follow Cem on Twitter.Episode TimeStamps: 00:00 - Introduction to the Systematic Investor Series00:49 - Geopolitical tensions beneath the surface of markets02:07 - Extreme bullish sentiment and record low cash levels04:12 - Margin use, positioning, and why this setup is fragile06:07 - Why the VIX fails as a true fear indicator11:48 - Buffett's concentration and risk management through quality16:27 - Leverage, Sharpe ratios, and misunderstood diversification21:02 - Trend following performance and late year positioning23:48 - Positioning, reflexivity, and market microstructure28:25 - Volatility traps and convexity before stress events31:06...

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What if you could build a thriving $2M construction business by focusing on the right team structure and core values? Tom Bunn shares his journey from corporate burnout to successful contractor, revealing how his team-first approach and EOS framework transformed Bunn and Sons from a handyman service to a thriving design-build firm, without the chaos that typically plagues construction businesses.What You'll LearnHow to transition from working IN your business to working ON your businessWhy core values are essential for qualifying both team members and clientsHow to structure and manage trade partner relationships for long-term successThe importance of maintaining margin in your business decisionsWhy "table stakes" business practices can become a major differentiator in constructionTime Stamps00:00 - Episode Intro01:02 - Starting Bunn and Sons: From Corporate to Construction03:43 - Building the Business: Early Challenges and Growth06:04 - Team Dynamics: Assembling and Managing the Crew09:27 - Core Values and Company Culture25:31 - Building Long-Lasting Trade Partner Relationships25:56 - Onboarding and Integrating New Trade Partners27:15 - Maintaining Trade Partner Relationships34:00 - Client Qualification and Vetting Process40:20 - Challenges and Best Practices in Construction42:16 - The Importance of Margin in Business47:18 - Differentiating Through Basic Business Practices49:26 - The Low Barrier to Entry in Construction53:41 - Simplicity vs. Complexity in Business Operations55:15 - Final Thoughts and ReflectionsSnippets from the Episode"I've found that a lot of people we hire come to us in a state I'd loosely describe as 'battered wife.' This industry has just become far too commonplace for tradespeople to be undervalued, overworked, and stressed out."- Tom Bunn"When things get lean, there's a constant temptation to want to say 'maybe we could make this work,' but you have to be careful. It's very easy to burn a lot of relationship capital with your team when you bring a bad client on board."- Tom Bunn"Simple doesn't mean easy. Pricing is simple: direct costs, indirect costs, and margin on top. But if you don't know what those are, that very simple thing becomes tough."- Tom BunnKey TakeawaysDefine your core values first, then hire to match themFocus on coordination and client experienceMaintain long-term trade partner relationshipsPay invoices on time and respect trade partners' expertiseQualify clients against your values and ideal client profileProtect your margins by saying no to the wrong opportunitiesBasic business practices can be your biggest differentiatorResources⁠⁠⁠⁠⁠⁠⁠⁠⁠24 Things⁠⁠⁠⁠⁠⁠⁠⁠⁠ Construction Business Owners Need to Successfully Hire & Train an Executive Assistant⁠⁠⁠⁠⁠⁠⁠⁠⁠Schedule⁠⁠⁠⁠⁠⁠⁠⁠⁠ a 15-Minute Roadblock CallBuild a Business that Runs without you. Explore our⁠⁠⁠⁠⁠⁠⁠⁠⁠ GrowthKits⁠⁠⁠⁠⁠⁠⁠⁠⁠ Need Marketing Help? We Recommend⁠⁠⁠⁠⁠⁠⁠⁠⁠ Benali⁠⁠⁠⁠⁠⁠⁠⁠⁠Need Help with podcast production? We recommend⁠⁠⁠⁠⁠⁠⁠⁠⁠ Demandcast⁠⁠⁠⁠⁠⁠⁠⁠⁠More from Tom BunnLinked InBun & Sons websiteBun & Sons on IGMore from Martin Holland⁠⁠⁠⁠⁠⁠⁠⁠⁠theprofitproblem.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠annealbc.com⁠⁠⁠⁠⁠⁠⁠⁠⁠   ⁠⁠⁠⁠⁠⁠⁠⁠⁠Email Martin⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Meet With Martin⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠More from Khalil⁠⁠⁠⁠⁠⁠⁠⁠⁠benali.com ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Email Khalil⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Meet With Khalil⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠More from The Cash Flow ContractorSubscribe to our⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube channel⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe to our ⁠⁠⁠⁠⁠⁠⁠⁠⁠Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow On Social:⁠⁠⁠⁠⁠⁠⁠⁠⁠ LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠,⁠⁠⁠⁠⁠⁠⁠⁠⁠ Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠,⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠X(formerly Twitter)⁠⁠⁠⁠⁠⁠⁠⁠⁠Visit our ⁠⁠⁠⁠⁠⁠⁠⁠⁠website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Email⁠⁠⁠⁠⁠⁠⁠⁠⁠ The Cashflow Contractor

'Caetano e Bethânia ao vivo' recoge en disco el espectáculo que los dos hermanos, María Bethânia y Caetano Veloso, llevaron por las principales ciudades de Brasil, entre agosto del año pasado y marzo de este año, con canciones como 'Os mais doces dos bárbaros', 'Gente', 'Oração ao tempo', 'Motriz/Não identificado', 'A tua presença', 'Milagres do povo', 'Tropicália'. 'Marginália', 'Um indio', 'Cajuina', 'Sozinho', 'O leãozinho', 'Você não me ensinou a te esquecer', 'Você é linda', 'Baby' o 'Vaca profana'.Escuchar audio

Carl Zeiss Meditec AG FY 2024/25: Key TakeawaysCarl Zeiss Meditec FY 2024/25 Financial ResultsStrategic Realignment Drives Resilient Growth and Sets the Stage for Margin ExpansionIn its FY 2024/25 financial results presentation, Carl Zeiss Meditec Group demonstrates that it remains firmly positioned in structurally attractive global healthcare technology markets, while simultaneously acknowledging the need for sharper execution and strategic focus to unlock its full earnings potential. The year was marked by solid revenue growth, robust order intake, and the first tangible effects of a broader strategic realignment aimed at restoring profitability momentum over the medium term.Solid Top-Line Growth and Strong Order MomentumCarl Zeiss Meditec delivered reported revenue of approximately €2.23 billion in FY 2024/25, reflecting solid growth compared with the prior year. On a foreign-exchange adjusted basis, revenue growth was clearly positive, supported by a combination of organic demand and the full-year consolidation of DORC in Ophthalmology. Order intake developed particularly strongly, increasing at a double-digit rate year-on-year on a constant-currency basis, resulting in a healthy order backlog that underpins revenue visibility into the new fiscal year.Growth was broad-based across regions. EMEA and the Americas showed especially strong momentum, while Asia-Pacific continued to contribute meaningfully despite a more challenging environment in China. Importantly for investors, order entry growth outpaced revenue growth, signalling ongoing demand strength across key product categories and geographies.Earnings: Stable EBITA Amid Headwinds, Adjusted Margin ImprovementOn the profitability side, EBITA increased slightly year-on-year, landing broadly in line with management guidance. Reported EBITA margin declined modestly compared with the prior year, reflecting a combination of adverse foreign exchange effects, US tariff-related headwinds, and a prior-year one-off gain related to the Topcon settlement. On an adjusted basis, however, EBITA margin improved, underlining the underlying progress in operating efficiency.A key positive driver was the reduction in underlying operating expenses excluding DORC effects, particularly through lower R&D spending and reduced integration costs. This demonstrates early discipline in capital allocation and cost management, even as the company continues to invest selectively in future growth areas.Segment Performance: Ophthalmology Strengths Offsets Microsurgery TransitionOphthalmology remained the group's core earnings pillar. Consumables, premium intraocular lenses, and the full-year contribution from DORC drove revenue growth in this segment. Margin expansion in Ophthalmology was supported by operating leverage and improved cost discipline, reinforcing the segment's role as the primary value driver within the portfolio.Microsurgery, while showing a recovery in revenue momentum toward year-end, continued to face margin pressure due to product mix effects, delayed ramp-up of new systems, and ongoing investments in commercialization and market development. Management clearly positioned this as a transitional phase, with expectations of improved profitability as new products scale and operational measures take effect.....▶️ Other videos: Elevator Pitch: https://seat11a.com/investor-relations-elevator-pitch/ Company Presentation: https://seat11a.com/investor-relations-company-presentation/ Deep Dive Presentation: https://seat11a.com/investor-relations-deep-dive/ Financial Results Presentation: https://seat11a.com/investor-relations-financial-results/ ESG Presentation: https://seat11a.com/investor-relations-esg/ T&C This publication is intended solely for informational purposes and does not constitute investment advice. By using this website, you agree to our terms and conditions as outlined on www.seat11a.com/legal and www.seat11a.com/imprint.

Tulane head coach Jon Sumrall joined Sports Talk. Coach Sumrall previewed the Green Wave's trip to the College Football Playoff to face Ole Miss. Coach Sumrall shared his thoughts on Tulane's improvement in the passing game, the importance of running the football, and the emphasis on winning the turnover margin.

Reach Out Via Text!In this Marriage Monday episode Jeremiah and Savannah Jennings recap a rare and meaningful date night that turned into one of their most productive conversations as a couple. They share how intentional preparation before the dinner allowed them to talk through travel expectations family rhythms business growth and personal needs without conflict. The conversation centers around time management travel boundaries and accountability as they plan for the year ahead with clarity rather than assumptions. Savannah opens up about the realities of managing a home with two young kids and the need for personal margin while Jeremiah shares what support looks like for him as the business grows. Together they explain how setting expectations in advance creates trust reduces resentment and helps couples move forward as a unified team.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/

What happens when clients see your pet care business as interchangeable with everyone else? In this episode, we break down the commodity trap and why it's not a pricing problem—it's a positioning problem. We walk through the client, financial, and operational red flags that quietly signal your business is stuck competing on price. We explain why being more trained, more insured, and more professional often hurts more when the market doesn't reward it. Finally, we share a practical framework for moving from commodity to chosen by selling outcomes, making your process visible, and building a business designed for the right clients. Main topics: Defining the commodity trap Client pricing behavior signals Margin and burnout cycles Operational warning signs Moving from commodity to chosen Main takeaway: "If the only question a client ever asks you is how much you charge, that's not a pricing problem—it's a positioning problem." That single question can quietly reveal whether your business is being treated as interchangeable. When pet care becomes a commodity, price becomes the deciding factor, margins shrink, and burnout follows. Being better, more trained, or more professional doesn't automatically protect you if clients can't see the difference. Escaping the commodity trap starts by changing what you sell—from tasks to outcomes—and making your process visible. Links: Check out our Starter Packs See all of our discounts! Check out ProTrainings Code: CPR-petsitterconfessional for 10% off

Silver Margin Hike In Shanghai Backfires Bigtime As you might expect in a $60+ silver world, the regulators are scrambling to figure out what to do. And in this morning's show, Vince explains how a silver margin hike in Shanghai has massively backfired in the shorts' face. To find out more click to watch this video now! - To get access to Vince's research in 'Goldfix Premium' go to: https://vblgoldfix.substack.com/ - Get your free copy of Arcadia's Silver Report here: https://goldandsilverdaily.substack.com/p/arcadia-silver-report-an-overview - Get access to Arcadia's Gold and Silver Daily substack at: https://goldandsilverdaily.substack.com/ - Join our free email list to be notified when a new video comes out: click here: https://arcadiaeconomics.com/email-signup/ - Follow Arcadia Economics on twitter at: https://x.com/ArcadiaEconomic - To get your copy of 'The Big Silver Short' (paperback or audio) go to: https://arcadiaeconomics.com/thebigsilvershort/ - Listen to Arcadia Economics on your favorite Podcast platforms: Spotify - https://open.spotify.com/show/75OH2PpgUpriBA5mYf5kyY Apple - https://podcasts.apple.com/us/podcast/arcadia-economics/id1505398976 - #silver #silverprice #gold And remember to get outside and have some fun every once in a while!:) (URL0VD)Subscribe to Arcadia Economics on Soundwise

In this episode of Roofing Road Trips®, Megan Ellsworth sits down with Keven Wall of DCX and Alena Wilson of Estimate Mastery to unpack how supplementing claims can be a powerful driver of revenue in the roofing world. They break down the hurdles contractors often face with supplementing and how those challenges impact profitability. Our guests share expert insight on maintaining control over the process and the tools that make efficient supplementing possible. Join them as they break down how effective in-house supplementing can give you more control on every project while protecting and strengthening your margin.  Learn more at RoofersCoffeeShop.com! https://www.rooferscoffeeshop.com/   Are you a contractor looking for resources? Become an R-Club Member today! https://www.rooferscoffeeshop.com/rcs-club-sign-up   Sign up for the Week in Roofing! https://www.rooferscoffeeshop.com/sign-up     Follow Us!   https://www.facebook.com/rooferscoffeeshop/   https://www.linkedin.com/company/rooferscoffeeshop-com   https://x.com/RoofCoffeeShop   https://www.instagram.com/rooferscoffeeshop/   https://www.youtube.com/channel/UCAQTC5U3FL9M-_wcRiEEyvw   https://www.pinterest.com/rcscom/   https://www.tiktok.com/@rooferscoffeeshop   https://www.rooferscoffeeshop.com/rss     #DCX #RoofersCoffeeShop #MetalCoffeeShop #AskARoofer #CoatingsCoffeeShop #RoofingProfessionals #RoofingContractors #RoofingIndustry 

Nick and Tyler break down how line item budgets, tiered estimates, and value engineering actually protect you when clients start pushing on price and scope. From losing out on a five million dollar job after an eleven hour estimate to using that same work to land better projects, they talk through transparency, expectations, and how not to let your own standards wreck your profitability. Show Notes:  00:00 Cold Open, Winter 05:04 Sponsors and Setup 13:09 Cordless Tools Talk 15:19 Precon Tier 1 21:55 Dropbox Wipeout 29:54 Line Items and Trust 42:09 Cheaper Builder Choice 47:11 Cool Work vs Profit 56:35 Grass and Perspective Video Version:https://youtu.be/LfpK6nRHTUo   Partners:  Andersen Windows Buildertrend Harnish Workwear  Use code H1025 and get 10% off their H-label gear NAHB International Builders' Show   The Modern Craftsman: linktr.ee/moderncraftsmanpodcast Find Our Hosts:  Nick Schiffer  Tyler Grace  Podcast Produced By: Motif Media

Welcome to First Presbyterian Church, Columbus, Georgia! We hope you will be blessed by the ministry of the Word through our services! Click here to view the Concise service video on Youtube

Welcome to First Presbyterian Church, Columbus, Georgia! We hope you will be blessed by the ministry of the Word through our services! Click here to view the Concise service video on Youtube

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Faith shapes every part of life—not only what we believe, but how we spend, save, invest, and give. Every financial decision reveals something about what we value, trust, and treasure most. That's why conversations about money are never just about budgets or balances; they're deeply spiritual.Today, Afton Phillips, our Head of Content at FaithFi, joins the show to talk about how our faith reshapes the way we steward God's resources. This conversation grew out of our upcoming 21-day devotional, Our Ultimate Treasure, and the themes behind it.The Heart Behind the New DevotionalAfton has been shaping this project from its earliest concept to its final pages. She shared that when she first joined FaithFi, she longed for a place where people could revisit core biblical principles—not simply hear them once, but reflect on them deeply.“Money isn't just about math,” Afton said. “It's really about our hearts.”The devotional walks readers through foundational truths:God owns it all.Money issues are heart issues.Our financial lives are deeply connected to our spiritual formation.If that's true, then what we need isn't a formula—it's space with God. Scripture. Prayer. Reflection. This devotional is designed to help readers slow down long enough to allow God to reshape how they see and handle money.Redefining Success: What We Surrender, Not What We StoreOne of the early themes in Our Ultimate Treasure is the truth that God doesn't measure success by what we store up, but by what we surrender.We're all tempted to believe that just a little more—more savings, more security, more achievement—will finally bring peace. But no amount of accumulation ever delivers the rest our souls crave.True biblical success is about formation more than finances.Are we growing in Christlikeness?Are the fruits of the Spirit becoming more evident in our lives?Are we learning to let go of fear, control, and comfort so God can shape us?When surrender becomes the lens, money stops being a monument to ourselves and becomes a tool for becoming more like Jesus.Restoring Purpose in Our WorkAnother key section of the devotional explores a truth we often forget: work is not a curse—it's a calling.From the very beginning, God designed work as something good. Not something we merely do to earn or survive, but something through which we participate in His redemptive mission.Your desk, job site, classroom, or kitchen table isn't just a workplace—it's holy ground. Your work is one of the primary arenas where God shapes your character and blesses others through you.Why Margin Matters for Faithful StewardshipMargin is one of the most important threads running through the entire devotional.Afton put it simply:“Margin creates space for God to move.”When we max out:our moneyour timeour energyWe leave no room to listen, pause, or respond to God's leading.Margin isn't restrictive. It's freeing. It enables generosity, rest, trust, and wise decision-making. It's one of the clearest marks of faithful stewardship.The Power of Wise CounselMoney can feel personal—sometimes even private. But Scripture is clear: we're not meant to navigate finances alone.Every day, callers to our program remind us how many people long for guidance, encouragement, and clarity. That's why we devoted an entire day in the devotional to seeking wise counsel.Afton shared:“When we invite wise counsel into our lives, we begin to see things we might have missed.”That's also why Certified Kingdom Advisors (CKA) exist—to help believers apply biblical principles to their real-life financial situations. You can find one at FindaCKA.com.Generosity Rooted in Grace, Not GuiltIf there's a single thread that runs through the whole devotional, it's generosity.But not guilt-driven generosity. Grace-driven generosity.We give because God has first given to us—lavishly, sacrificially, joyfully. When we understand His grace, generosity becomes something we get to do, not something we feel pressured into.Every act of giving becomes an act of worship.A Devotional Designed for Reflection, Beauty, and FormationOne of the most unique aspects of Our Ultimate Treasure is its built-in rhythm of reflection.Each day includes:ScriptureA devotionalGuided reflection questionsA written prayerBeautiful, thoughtful imageryThe artwork itself invites contemplation. Everyday images—like a simple desk—are visually transformed to reflect biblical truth, reminding readers that God reshapes the way we see everything, even our work and money.This devotional was designed not just to be read, but to be experienced.Finishing with What Truly Lasts: Eternal RewardsThe final day draws us back to what matters most: our ultimate treasure is Christ Himself.Earthly wealth fades. Opportunities change. Seasons shift. But our life in Christ—His presence, His love, His Kingdom—endures forever. Afton summed it up beautifully:“What are we investing in that will matter in a thousand years? That's eternal treasure.”Experience Our Ultimate TreasureIf you'd like to journey through this 21-day devotional yourself, we would love to send it to you as part of the FaithFi Partner Program.With a monthly gift of $35 or a one-time gift of $400, you'll receive year-long benefits, including early access to studies, devotionals, and our Faithful Steward magazine.You can learn more at FaithFi.com/Partner.On Today's Program, Rob Answers Listener Questions:I have Roth and traditional IRAs, plus taxable investments with large capital gains. My advisor suggested direct indexing last year, so I opened a small-cap account. It's up slightly overall but includes about a 19% loss I could use to offset gains. I also give appreciated stock to charity, but I need some funds for living expenses. My question is: Is direct indexing a biblically sound strategy, or is it problematic in any way? And how do you tell the brokerage which companies you don't want to own? Do you specify which types of businesses to exclude?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)National Christian Foundation (NCF)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Dear Boss Babe...if you've been running on caffeine, grit, and “I'll rest when things slow down,” this episode is your sign to STOP. Hustle culture has tricked too many high achievers into believing burnout is normal — but today, we're rewriting that story. In this pep-talk episode, I'm getting real about what happens when your margin disappears… and how choosing even one small margin decision can shift your entire life. If you've been feeling stretched, snappy, overwhelmed, resentful, or just tired-tired, this one is for you. Why hustle culture convinces high achievers to live with no margin The signs of emotional and mental burnout you can't ignore The tiny, everyday ways you leak your energy What “margin decisions” are and how to start making them today How to rebuild space in your time, your money, and your emotional energy Why protecting your peace is not selfish — it's self-care ✨ Come connect with me on Instagram: ⁠@theerickanicole⁠ / ⁠@bossbabereset ⁠  ✨ Podcast produced by: ⁠Your Girl Media⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Ready to stop wearing all the hats in your solo business?In 2026, AI integration will be as common as using your smartphone.But if you're a solo business owner who feels behind or overwhelmed by all the new tools, you're not alone.In this episode, I break down how to use AI and why strategy, simplicity, and your authentic voice are the keys to growth in the next wave of online business.What You'll Discover in This EpisodeMy top 3 predictions for 2026 and how they affect solo entrepreneursThe 3 leadership skills that will set you apart in the age of AIWhy content marketing is about to explode, and how to stand out with heart and originality, not just more content.Why your story and perspective are still your biggest business assetsActionable steps for simplifying your offers, building a strong brand voice, and using AI effectively. Key TakeawaysAI isn't a magic fix; it mirrors what you give it. Your clarity and communication matter more than ever.Delegation is now about asking: Should I be doing this, or can AI?Imagination is your competitive edge. Margin gives you the space to innovate.Your brand message and personality are your biggest differentiators in a crowded, AI-generated world.Keep your business focused: one offer, one audience, one problem, one transformation.Join AI Lab for SolopreneursReady to learn how to work smarter with AI and amplify your personal authority?Find out more at https://marisashadrick.com/communityAudio Timestamps:00:00:00 – Intro and why AI content is starting to blur00:01:20 – AI adoption trends and predictions for 202600:03:20 – Strategic use of custom GPTs and tools00:04:50 – Why prompting skills are your new superpower00:05:57 – The explosion of content: blogs, books, and newsletters00:08:02 – 3 leadership skills solopreneurs need for the future00:09:35 – How to simplify your offer, lead magnet, and audience00:12:05 – Rethinking delegation with AI as your assistant00:14:15 – Why imagination is your next best strategy00:16:28 – Protecting your voice and brand in the age of AI00:18:47 – Closing and community invitationSkip Hours of Prompt Trial & Error with ChatGPTWhether you're writing, planning, analyzing, or brainstorming, my C.O.N.T.E.X.T. ™ method transforms ChatGPT into a consistent marketing assistant. No steep learning curve.Free Download!https://marisashadrick.com/prompts If you're ready to grow with effective marketing that actually feels manageable, here's your next move.Inside AI Lab for Solopreneurs, get Custom GPTs, templates, and coaching to grow your business. Visit: https://marisashadrick.com/communityListen to the "Amplify Your Authority" Podcast! Click Here! Rate & Review: If you enjoyed this episode, please take a moment to leave a 5-star rating and review on Apple Podcasts. Tip: Answer these questions inside of ChatGPT (free or paid) and have AI craft your review! How did you discover this podcast? What's your biggest takeaway from this episode? How has this podcast helped your current journey? Thanks so much for taking a few minutes to craft a review!

READ: Dybantsa has fully arrived Gary Parrish and Matt Norlander recap an eventful night at the Jimmy V Classic. BYU and Clemson trade massive blows each half in a game that's decided by Rob Wright at the buzzer. Florida and UConn went toe-to-toe in the night cap between the last two national champions. Then, it's a midweek whip around to recap other action on Tuesday and look ahead to the end of the week. (0:00) Intro (0:30) Great night at the Jimmy V Classic (1:00) Uconn beats Florida in the nightcap + some hilarious Dan Hurley quotes (16:00) BYU beats Clemson at the buzzer in a tale of two halves (35:20) Wednesday Whiparound - Michigan dominates another high major team (37:15) Illinois wins on the road & a freshman flying under the radar (41:02) Indiana steamrolls Penn State. My GOODNESS Lamar Wilkerson (43:30) Looking ahead  Theme song: “Timothy Leary,” written, performed and courtesy of Guster Eye on College Basketball is available for free on the Audacy app as well as Apple Podcasts, Spotify and wherever else you listen to podcasts. Follow our team: @EyeonCBBPodcast @GaryParrishCBS @MattNorlander @Boone @DavidWCobb @TheJMULL_ Visit the ⁠betting arena on CBSSports.com⁠ for all the latest in ⁠sportsbook reviews⁠ and ⁠sportsbook promos⁠ for ⁠betting on college basketball⁠. You can listen to us on your smart speakers! Simply say, “Alexa, play the latest episode of the Eye on College Basketball podcast,” or “Hey, Google, play the latest episode of the Eye on College Basketball podcast.” Email the show for any reason whatsoever: ShoutstoCBS@gmail.com Visit Eye on College Basketball's YouTube channel: ⁠https://www.youtube.com/channel/UCeFb_xyBgOekQPZYC7Ijilw⁠ For more college hoops coverage, visit ⁠https://www.cbssports.com/college-basketball/⁠ To hear more from the CBS Sports Podcast Network, visit ⁠https://www.cbssports.com/podcasts/ To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

We know that healthcare is broken, but how, exactly? And why is it that nothing seems to be helping? Well, as Chris Deacon says in this honest, open interview, “Until ...

Larry Miller, Founder and CEO of Smart Retail Solutions joins Grocer Pod again this week. This time Larry and Sean discuss a new product called Scan-it® Mobile. Scan It is a cloud-based Whole-Store Ordering, Inventory Management, Shrink Loss Tracking, and Receiving System. If you are interested in learning more, contact Larry Miller today.

I sit down with Walfinch CEO Amrit Dhaliwal to discuss how purpose-driven home care businesses can grow sustainably while staying true to their mission. Amrit reveals how he uses strong values, long-term vision, and EOS to create consistency across his franchise network and maintain high standards of care.They also look at the future of the sector, the shift toward home healthcare, and what leaders must do to protect the “soul” of their business as they scale.Listen on YouTube: https://youtu.be/YwCAoSTrbQIJoin the mailing list to get the show notes for every episode here: ⁠⁠⁠⁠⁠⁠⁠https://thesalesaccelerationformula.com/podcast-show-notes⁠⁠⁠EOS Book: https://amzn.eu/d/iCWEdLP#podcast #healthcare #homecare #carehomes #Walfinch #businessgrowth #handsonbusiness #hfiles

Today, on Sauna Talk, and almost on the sauna bench, I'm pleased to bring you the folks behind the three major American sauna stove makers. American manufacturing at work! Garrett, Lamppa Manufacturing, Tower, Minnesota, Population 421 Philip, Nippa, Beulah, MI, Population 303 Lynn, Ilo, Dollar Bay, Michigan, Population 1,070 We talk through what their company looks like, their community, and what their opinions are on the North American sauna industry. Small town manufacturing. Direct to consumer, factory direct. Products Made with quality with longevity in mind. A couple of terms: Cost engineering: Designed in a way that reduces manufacturing costs—sometimes at the expense of quality, durability, or performance. Margin stacking: When every step in a product's journey — manufacturer, distributor, wholesaler, retailer — adds a profit margin, and those margins compound into a much larger final price. More here.

John Diamantakos breaks down how he's using AI to qualify sellers, manage conversations, and consistently close 2+ high-margin deals each month. He explains the system he built, how it plugs into DealMachine's data, and why slowing down acquisitions helped him create a sharper, more targeted pipeline. If you want a real look at how AI can power a lean, profitable operation, this episode walks through the full approach. KEY TALKING POINTS:0:00 - Intro0:29 - John Diamantakos' Business1:54 - Why He Transitioned Into Real Estate3:53 - How He Found His First Deal & Funded It5:35 - What He Did Next & Building Spartan Closer8:47 - What He's Doing With The Deals He's Getting11:21 - How He's Selling His Deals12:07 - What He's Looking Forward To13:10 - How To Get In Touch13:38 - Outro LINKS:Instagram: John Diamantakoshttps://www.instagram.com/thejohnnydiamond Website: Diamond Tree Propertieshttps://www.diamondtreeproperties.com Instagram: David Leckohttps://www.instagram.com/dlecko Website: DealMachinehttps://www.dealmachine.com/pod Instagram: Ryan Haywoodhttps://www.instagram.com/heritage_home_investments Website: Heritage Home Investmentshttps://www.heritagehomeinvestments.com/

Are you living at your best—or simply getting by? For many believers, chronic exhaustion has become a quiet norm. Yet Scripture reminds us that burnout isn't a badge of honor. It's a warning light. When life feels out of balance, it may be a sign we're pushing beyond the limits God lovingly designed for our good.Today, we sat down with Carey Nieuwhof—pastor, bestselling author of At Your Best: How to Get Time, Energy, and Priorities Working in Your Favor, leadership expert, and host of the Carey Nieuwhof Leadership Podcast, as well as the founding pastor of Connexus Church—to talk about how Christians can pursue biblical rest and renewed purpose. Carey's insights come not from theory, but from the deepest valley of personal experience.When Success Masks ExhaustionCarey's story began two decades ago, during a season of explosive ministry growth. His church was thriving, opportunities were multiplying, and by every outward measure, life was “on top.” But amid this success, his inner world was collapsing.After returning from a high-profile speaking event, Carey hit a wall:“It was like I fell off a cliff. I lost motivation, passion, and energy. I met all the symptoms of clinical depression. My body declared a finish line I had refused to acknowledge.”People around him saw the signs. He didn't. And that's often the story behind burnout—others notice the warning lights long before we do.Carey describes burnout as “the gap between what you're capable of and what you're carrying.” Early in ministry, he assumed that increasing responsibility meant increasing hours. It was an unsustainable equation.Yet today, two decades later, he leads a much larger platform with far more influence—without living exhausted. Why? Because he restructured his life around a biblical rhythm of rest, limits, and intentional focus.Managing Energy, Not Just TimeMany Christians feel that better time management will fix their overload. But as Carey points out, time is a fixed asset—everyone gets the same 24 hours. Energy, however, rises and falls.Every person has what Carey calls a “green zone”—a few hours each day when they are at their best mentally, emotionally, and spiritually. For him, it's morning. For others, it might be midday or evening.His challenge is simple: Do what you're best at when you're at your best.When he writes in his green zone, he gets exponential results. When he tries the same work in his “red zone,” productivity crashes. This principle applies to everyone—from CEOs to parents, pastors, and business owners.Stewarding energy also requires boundaries. That means saying no—not out of selfishness, but out of faithfulness.Carey explains:Saying yes to every request eventually forces you to say no to the people who matter most.Delegation is a spiritual discipline.Some opportunities, even good ones, don't align with God's call in a particular season.By categorizing his decisions—like eliminating breakfast meetings that compete with his green zone—Carey reclaimed the margin he had been missing for years.Rest Is Not a Reward—It's DesignFor many Christians, rest feels like something we “earn” after working ourselves to the edge. But biblically, rest is part of our calling.Carey describes Sabbath not just as rehab after exhaustion, but prehab—something that prepares and strengthens us for faithful work. He points to the way elite athletes build rhythms of sleep, diet, and intentional recovery before they step onto the court.Even God modeled this for us—delighting in His creation and resting not from exhaustion but from joyful completeness.For Carey, the principles of rest and margin extend well beyond the calendar.A free Saturday protects family time. A healthy emergency fund protects the home from crisis. Limits are not restrictions—they are blessings that allow us to flourish.Margin creates room to love well, give freely, and listen to God's direction.Living at Your BestCarey's journey from burnout to renewal is a grace-filled reminder: God never asked us to outrun His design.He calls us to work diligently, rest faithfully, and live within the good limits He created for our flourishing. Carey's whole story—and the principles he teaches in his book At Your Best—offer a roadmap for anyone seeking balance, health, and spiritual renewal.For more wisdom from Carey Nieuwhof, explore his book At Your Best and visit the Carey Nieuwhof Leadership Podcast. And if you're an advisor, he'll be joining us at Redeeming Money, our conference for financial professionals, in February.May you learn to live—not at your limit—but at your best, in the freedom and rest God provides.On Today's Program, Rob Answers Listener Questions:Can you explain the pros and cons of taking Social Security at 62 versus waiting until full retirement age? By 62, I'll be mostly debt-free, and since longevity doesn't run in my family, I'm wondering if it makes sense to claim early while my quality of life is higher and still work within the income limits.When should someone update their will? I'm 58, debt-free, still working, and have a solid 401(k). Should I consider setting up a trust, and how do I know when that becomes the wise choice, especially since it costs more?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)At Your Best: How to Get Time, Energy, and Priorities Working in Your Favor by Carey NieuwhofDidn't See It Coming: Overcoming the Seven Greatest Challenges That No One Expects and Everyone Experiences by Carey NieuwhofThe Carey Nieuwhof Leadership PodcastRedeeming Money 2026: A Kingdom Advisors ConferenceWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Dan Campbell's Lions are on the outside, looking in, when it comes to the NFC playoff picture heading in to Week 14. The Dallas Cowboys are in the same predicament! Dan Miller joins us to preview a "must-win" Thursday Night Football matchup! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

H3-Seg2-Wed12/03/25-TCJS- Last night in the TN 7th Congress Dist, Van Epps won with a slim margin

H3-Wed12/03/25-TCJS- "Could some of the MN Fraud money gone to terrorist group Al Shabob ", " Last night in the TN 7th Congress Dist, Van Epps won with a slim margin" , "Every single time I bring up voting, excuses pop up " , " Calls about Voting and voter turnout on the WORD talk line"

In this episode the hosts walk through evaluating a potential acquisition of a Houston‑area elevator services company, debating whether a 7.5× EBITDA asking price can pencil out given the financing constraints and growth challenges.Business Listing - https://www.bizbuysell.com/business-opportunity/strong-cash-flow-elevator-services-business-houston-texas/2439153/?J=bot&bn=114637964&bd=20251110&utm_source=bizbuysell&utm_medium=emailsite&utm_campaign=htmlbotWelcome to Acquisitions Anonymous – the #1 podcast for small business M&A. Every week, we break down businesses for sale and talk about buying, operating, and growing them.

Busyness may look normal, but it's quietly draining your marriage emotionally, physically, spiritually, and sexually. In this episode, Scott, Derek, and Gabrielle unpack why most of our busyness is a choice, how to discern when to say yes or no, and practical ways to create margin, live on mission, and protect what matters most at home.Scriptures:Romans 12:1-2Ephesians 5:15-17Matthew 16:25Genesis 2:25Questions to Discuss:1. What are some of the reasons you and your spouse are overly busy in your lives and schedule?2. What is the cost of your busyness to your marriage and family? (i.e., health, money, intimacy)3. Which of your current commitments are true needs and which are really choices that reflect your lifestyle preferences or fear of missing out?4. Who in your community group or trusted circle needs to speak into your level of busyness and help you evaluate your commitments?Resources:Podcast - More Than Roommates, Episode 41 - Why Busyness Might Destroy Your Marriage (feat. Gary Thomas)Podcast - More Than Roommates, Episode 31 - Too Busy to Get Busy (Part 2 of 3 in a series on marital intimacy)Book - Emotionally Healthy Spirituality, by Peter ScazzeroBook - Practicing the Way, by John Mark Comer

Streaming live Mondays at 6pm ET on The Jack Mallers Show YouTube channel.

Ann Berry is joined in-studio by Nate Baxter, President & COO of ScottsMiracle-Gro. They discuss how the 160-year-old company is modernizing its iconic brands, balancing innovation with sustainability, and sunsetting its cannabis subsidiary. Nate explores shifting consumer demographics, regional growth strategies and the company's planned packaging refresh.Highlights include:- How Scotts and Miracle-Gro are being reinvented for millennials and Gen Z- Why ScottsMiracle-Gro is exiting the cannabis business- How organic and sustainable lawn-care products are shaping the company's future00:00 – Nate Baxter Joins01:06 – Pandemic hangover and the reset02:33 – Margin recovery and streamlining03:25 – Brand portfolio and recession resilience04:50 – Millennials, Gen Z & wellness06:51 – “Emerging” consumers, kids and pets09:04 – Organics, biologicals and safety10:44 – Modernizing packaging and brand aesthetic11:59 – E-commerce, website revamp and education13:32 – Exiting cannabis and Hawthorne's future15:22 – Why tech and AI matter in lawn care17:22 – Weather, forecasting and media allocation18:27 – Seasonality and fall lawn strategy21:51 – Free cash flow, debt paydown & M&A24:05 – What a “transformational” deal could be $SMG Learn more about your ad choices. Visit megaphone.fm/adchoices

This episode explores human performance and aviation safety, contrasting airline procedures with general aviation risks. Guests discuss building safety margins, the importance of planning vs. acting, and how economic pressures can erode resilience. Highlights include treating near-misses as learning opportunities, practical tips for pilots to increase recoverability, and real-world examples from naval operations and long-term flying experience.

In episode #332, Ben Murray explains why AI companies with high inference costs and lower gross profit margins must scale dramatically faster—up to 6x larger—to match the financial performance of a comparable SaaS business. Using simple financial modeling and the core principles of SaaS economics, Ben breaks down how AI margins, variable COGS, and TAM expansion interact to shape the financial trajectory of AI-native companies. This episode builds on a recent blog post and downloadable Excel model, both linked in the show notes. Key Topics Covered Why SaaS metrics still apply to AI companies, but with different economic inputs The impact of AI inference costs on gross margin and scalability Comparing a SaaS company at 80 percent gross margin vs. an AI company at 55 percent Why an AI company needs 6x the revenue to generate the same EBITDA How lower gross profit changes cash flow, EBITDA, and company valuation Why larger TAM and higher ACV potential in AI may offset lower margins How attacking labor budgets expands revenue opportunity for AI products The myth that SaaS metrics are “broken” for AI companies Understanding how COGS scale in SaaS vs. AI and why the math still works Evaluating OPEX profiles when modeling scale scenarios How to use the downloadable template to test scenarios for your own AI or SaaS business Why This Matters This episode is critical for: AI founders modeling their unit economics SaaS founders embedding AI and needing to understand margin changes CFOs, controllers, FP&A leaders, and finance teams navigating AI cost structures Investors assessing the scalability and valuation profile of AI companies Operators planning cash runway, revenue forecasts, and growth investment Understanding these financial dynamics early ensures you can forecast accurately, raise capital more effectively, and prepare for due diligence with confidence. Resources Mentioned Full blog post on AI vs. SaaS economics: https://www.thesaascfo.com/the-real-economics-of-saas-versus-ai-companies/ SaaS Metrics Course: https://www.thesaasacademy.com/the-saas-metrics-foundation

In this episode of the Grow Your B2B SaaS podcast, recorded live at the SaaS Summit Benelux in Amsterdam, host Joran sat down with Richard Schenzel from AtScale. Richard and his team act as operating partners for B2B SaaS companies, helping them build, structure, and scale sales operations with a strong focus on improving performance.The conversation centered on how go-to-market (GTM) strategy is changing in 2026. From the rise of blended motions and the evolving role of ACV across PLG and sales-led setups, to how AI will reshape the entire funnel—Richard shared a pragmatic view into what will separate the SaaS companies that scale successfully from those that fall behind. He also explained why now is the time for deep introspection, how to audit your GTM machine, and why roles like SDR/BDR must be rethought in an AI-driven world.Key Timestamps(0:00) – The 2026 B2B SaaS GTM Shakeup: AI, PLG vs Sales-Led & ACV Truths(0:00) – Meet Richard Schenzel: The B2B SaaS Sales Ops Performance Architect(0:01) – GTM in 2026: AI-Driven Plays, Blended Motions & ACV Strategy(0:02) – Why 2026 Demands a Full GTM Audit: Blended Motions + ACV Reality(0:02) – PLG vs Sales-Led: How ACV Decides Your Entire GTM Motion(0:03) – The New Era of Efficient SaaS Growth: AI, Margin & Sales Efficiency(0:04) – Bow-Tie Model Power: Where AI Creates Massive GTM ROI(0:04) – Automate Your Sales Engine: AI Intent, Scoring, SDR Workflows & CS(0:05) – The 2026 SDR: Human Connection Beats Sequencing Automation(0:06) – 2026 Headcount Reset: New SDR/BDR, AE & RevOps Roles(0:07) – Train the Machines: Why People Still Win in AI-Driven GTM(0:07) – Ad Break: Reditus – The AI Affiliate Engine for B2B SaaS(0:08) – What Will Make SaaS Winners in 2026: Adapt Fast or Fall Behind(0:09) – The 2026 Mindset Shift: Stop Fixing Yesterday, Pivot Faster(0:09) – The GTM Implementation Blueprint: Mission → Strategy → Tech → People(0:11) – The “If It Ain't Broke” GTM Trap: How to Spot Hidden Failures(0:11) – The Ultimate SaaS GTM Audit: 1–5 Scoring Across Every Function(0:13) – Bow-Tie Data Mastery: Fix GTM Bottlenecks Faster With AI(0:14) – From 0 → 10K MRR: ICP, Feedback Loops & Avoiding Enterprise Traps(0:16) – Scaling to $10M ARR: ICP Alignment, Feature Pruning & $100M Roadmap(0:17) – Evolving Your ICP: Stay True to Your Customer & Your Mission(0:17) – Connect With Richard Schenzel on LinkedIn

Het Orakel van Omaha. Is daar nog niet alles over gezegd? Welnee. We kunnen niet lang genoeg naar deze man luisteren. Uit een enorme lading luisterwaardig materiaal visten we de beste uitspraken van Buffett. In deze aflevering lopen we ze langs aan de hand van zijn investeringsfilosofie, die sterk is geworteld in de basisprincipes van zijn mentor Benjamin Graham: Mr. Market, Margin of Safety en Buy Businesses. Pim deelt een korting uit op PDT en heeft Crowdstrike verkocht. ► Uitgebreide show notes en achtergrondinformatie: https://jongbeleggendepodcast.nl/207-grote-beleggers-warren-buffett-deel-1 ► Word Vriend: https://portfoliodividendtracker.com ► Updates via Instagram: https://www.instagram.com/jongbeleggen ► Mijn volledige portfolio: https://app.portfoliodividendtracker.com/p/jongbeleggen 1) We maken gebruik van programmatic advertising, wat inhoudt dat we geen invloed hebben op de spots die in de podcast worden afgespeeld. Dit is vergelijkbaar met tv, YouTube, radio en de krant, uiteraard met uitzondering van de advertenties die we zelf hebben ingesproken. 2) Deze podcast is 100% expertise-vrij en alleen geschikt voor amusementsdoeleinden. De inhoud mag niet worden beschouwd als financieel advies. ► Voor boekhoudtips én een extra lange gratis proefperiode, ga naar moneybird.nl/jongbeleggen. ► Ga naar Incogni.com/JongBeleggen voor 60% korting. ► Geef jezelf 3 tellen en bij twijfel klik weg. Deze aflevering is in samenwerking met De Rijksoverheid. Kijk voor meer informatie over online oplichting op laatjenietinterneppen.nl.See omnystudio.com/listener for privacy information.

The Unofficial Bengals Podcast celebrates the return of Joe Burrow and reviews what would need to happen for the Bengals to make the playoffs this season. Headlines, starter changes, transactions, Flacco, Tinsley, Jalen Davis, Chase Brown, the Patriots game, the Ravens game, all things Bengals! All in a crisp 30-minute format,,, No one talks Bengals quite like The Unofficial Bengals Podcast!! Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of The New Money Habits Podcast, Coach Nino Villa and Maria Casillas take a dive deep into the critical topic of prioritizing expenses and managing your financial margin—whether you're dealing with a surplus or a shortfall. Through an insightful discussion, they explore the unique paradigm of what you think you want versus what you actually need to achieve sustainable financial success. This episode is packed with practical tips and eye-opening revelations that will help you realign your financial priorities, shift your mindset, and make meaningful progress toward your financial goals. Whether you're struggling to make ends meet or figuring out how to best use your extra income, this conversation will provide the guidance you need to navigate your financial journey with clarity and purpose.

Classic Replay: Medicaid Managed Care – Considerations in Calculating Margin In recognition of National Family Caregivers Month, we're re-releasing this classic episode from June 26, 2017. Dale Hall, Managing Director of Research at the Society of Actuaries, is joined by Steve Siegel, SOA Research Actuary, and Sarah Tepema of Health Care Service Corporation. The conversation explores the SOA's report "Medicaid Managed Care Organizations: Considerations in Calculating Margin in Rate Setting." Listeners will gain insight into how states structure capitation rates for MCOs, how margins are defined and used beyond just profit, and the real-world impacts these margins have on Medicaid programs—especially important for populations relying heavily on caregivers. For more information on this report visit:  https://www.soa.org/resources/research-reports/2017/medicaid-margins/

This defense has found a way to be impactful beyond the TO margin full 401 Tue, 25 Nov 2025 18:59:38 +0000 XpT3M6mPV8twygdbW764p4kMbKsLu4Az nfl,kansas city chiefs,society & culture Cody & Gold nfl,kansas city chiefs,society & culture This defense has found a way to be impactful beyond the TO margin Hosts Cody Tapp & Alex Gold team up for 610 Sports Radio's newest mid-day show "Cody & Gold."  Two born & raised Kansas Citians, Cody & Gold have been through all the highs and lows as a KC sports fan and they know the passion Kansas City has for their sports teams."Cody & Gold" will be a show focused on smart, sports conversation with the best voices from KC and around the country. It will also feature our listeners with your calls, texts & tweets as we want you to be a part of the show, not just a listener.  Cody & Gold, weekdays 10a-2p on 610 Sports Radio.  2024 © 2021 Audacy, Inc. Society & Culture False https://player.amperwavepod

In this archive episode, we dive into the concept of “Profit First” E-commerce and why focusing solely on revenue can lead to big surprises. Karl O'Brien, Co-Founder of Store Hero, an e-commerce analytics tool, shares how their system helps store owners avoid common financial pitfalls by shifting their focus from top-line sales to bottom-line profitability. He explains how to gain a clear view of true profit and what to do with that information to drive business forward.Topics discussed in this episode:  Why many merchants get a profit shock at month's end. Why revenue-based decisions can hurt profits in e-commerce. How contribution margin bridges the gap between marketing and finance. What products are hidden cash cows or are actually unprofitable. How to calculate break-even point ROAS for individual products. Why Q4 strategy should be based on profit, not just sales.What Store Hero is: a profit-first e-commerce analytics tool. Links & Resources Website: https://storehero.ai/LinkedIn: https://www.linkedin.com/company/storehero/Twitter: https://twitter.com/StoreHeroApp Get access to more free resources by visiting the show notes at https://tinyurl.com/dsay245p______________________________________________________ LOVE THE SHOW? HERE ARE THE NEXT STEPS! Follow the podcast to get every bonus episode. Tap follow now and don't miss out! Rate & Review: Help others discover the show by rating the show on Apple Podcasts at https://tinyurl.com/ecb-apple-podcasts Join our Free Newsletter: https://newsletter.ecommercecoffeebreak.com/ Support The Show On Patreon: https://www.patreon.com/EcommerceCoffeeBreak Partner with us: https://ecommercecoffeebreak.com/partner-with-us/

In this episode of Aviation News Talk, we begin with the developing details In this episode of Aviation News Talk, Max sits down with renowned safety expert Dr. Todd Conklin to explore some of the most important aviation safety lessons pilots can learn from Human & Organizational Performance (HOP)—a framework rooted in human factors, systems thinking, and the realities of how people actually perform in complex environments. Todd's work has shaped safety programs across multiple high-risk industries, and in this episode he explains how these ideas translate directly to aviation, both for professional pilots and general aviation flyers. Todd begins by reframing how pilots should think about safety. Safety is not a static condition or something you "have" because you passed a checkride; instead, safety is a capacity, similar to fuel, that must be built, protected, and constantly replenished. This capacity includes time to think, margin for error, resilience, and the ability to recover when something goes wrong. When pilots allow that capacity to shrink—through rushed planning, complacency, or pressure—they lose the very buffer that keeps small mistakes from becoming accidents. Max and Todd dive into the first HOP principle: people make mistakes. This simple truth is foundational in human factors but often overlooked in aviation culture. Many pilots implicitly believe that if they just try hard enough, they can deliver perfect performance, yet every flight includes small deviations and errors. The key isn't eliminating mistakes—it's ensuring the system has enough margin so those mistakes don't cascade into failures. This leads to the second principle: blame fixes nothing. Todd explains that blaming pilots for errors obscures the real question: What conditions made that mistake possible? Max shares an example from a flight club where an accident prompted a search for someone to blame. Todd counters that meaningful safety improvement comes from understanding system interactions rather than assigning fault. They then discuss the third HOP principle, learning is vital. High-reliability organizations routinely debrief their successes—not just failures—because the same system dynamics that allow a successful flight may also allow a failure under slightly different conditions. Todd notes that curiosity is one of a pilot's most important safety tools; pilots who continuously seek to understand their environment develop stronger mental models and better decision-making under pressure. The conversation then moves into one of the most powerful HOP principles: context drives behavior. Todd explains that people behave differently depending on the setting, expectations, and formality of the environment. Airline pilots operate within a highly formalized culture—uniforms, checklists, cockpit procedures, and CRM—that creates predictable behavior and reduces variability. GA pilots, by contrast, have to formalize their own environment, since they don't benefit from the same structure. Simple habits, like always dressing appropriately, using a structured briefing, or maintaining personal minimums, help create a context that supports safer flying. Finally, Todd discusses the last major HOP principle: how leaders respond matters. For pilots, this includes how they respond to their own errors, near-misses, and close calls. Near-misses, Todd says, are "gifts"—accidents without consequences—that provide an ideal opportunity to identify weak controls or missing margin. He distinguishes between near-miss good, where robust controls allowed recovery, and near-miss lucky, where the pilot simply avoided disaster by chance. Both are important signals, and both must be studied with honesty and without blame. Todd brings these concepts to life with vivid examples, including his well-known "Kenny the Alligator Wrestler" story and his experience working with Admiral John Meyer and the U.S. Navy's aircraft carrier operations. Through cross-training, structured practice, and better system understanding, the Navy dramatically reduced ground-handling incidents on carrier decks—reinforcing how resilience and margin must be intentionally built into high-risk operations. Max and Todd close by emphasizing that aviation safety advances through learning, innovation, curiosity, and margin, not perfection. For pilots, this means consistently planning ahead, making conservative decisions, building buffer into every phase of flight, and embracing the idea that mistakes are inevitable—but accidents don't have to be. This episode equips pilots with a deeper understanding of human factors, risk management, and the practical application of HOP principles, offering a richer, more realistic framework for staying safe in today's increasingly complex flying environment. If you're getting value from this show, please support the show via PayPal, Venmo, Zelle or Patreon. Support the Show by buying a Lightspeed ANR Headsets Max has been using only Lightspeed headsets for nearly 25 years! I love their tradeup program that let's you trade in an older Lightspeed headset for a newer model. Start with one of the links below, and Lightspeed will pay a referral fee to support Aviation News Talk. 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Check out Max's Online Courses: G1000 VFR, G1000 IFR, and Flying WAAS & GPS Approaches. Find them all at: https://www.pilotlearning.com/ Social Media Like Aviation News Talk podcast on Facebook Follow Max on Instagram Follow Max on Twitter Listen to all Aviation News Talk podcasts on YouTube or YouTube Premium "Go Around" song used by permission of Ken Dravis; you can buy his music at kendravis.com If you purchase a product through a link on our site, we may receive compensation.

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Out of margin? Whether you're navigating a new baby, a demanding job, a strained relationship, grief, or a big transition, this conversation gives you practical ways to stay grounded when life won't slow down. We share Romi's birth story and the grief that unexpectedly opened the door to peace, unpack why people "borrow" each other's nervous systems, and walk through simple, repeatable practices to regulate in real time—without perfection or spiritual jargon. Who This Is For (and Why It Helps) Parents and caregivers feeling stretched thin and reactive—learn how to co-regulate and repair. Singles and married couples without kids facing career pressure, loneliness, or change—use micro-practices to steady your inner world. Leaders, pastors, and coaches who carry others' emotions—discover how presence resets a room better than control. Anyone in transition or grief—see why honest sorrow can become the doorway to peace rather than a detour. You'll walk away with language for what's happening in your body, a kinder way to meet your triggers, and small steps that create real change. What You'll Learn How grief can make space for breakthrough (Romi's story) The pain–fear–tension loop and how to break it "Borrowed nervous systems": why your presence matters more than perfect words A clarifying question that transforms reactivity: "Why does this bother me?" Zero-margin tools: two breaths + one sentence, name the wave, orient to good, rhythm over rules, repair over perfection Chapters & Timestamps 00:00 When life feels unmanageable (why margin matters) 03:20 Grieving what's ending and how it made room (Romi's birth) 10:10 Pain–fear–tension: what bracing does to your body 16:45 Borrowed nervous systems: presence over control 23:00 The belief beneath the reaction: "Why does this bother me?" 31:15 Micro-practices for zero-margin moments (step-by-step) 38:00 Being parented by God so we can lead from peace   Learn more, find resources, or get in touch at: www.aliveandfreeconsulting.com