Podcasts about Margin

Star Wars vs Star Trek (and Inflation and Tariffs!) Tariffs are making an impact, and we talk about who is bearing the brunt of this impact currently. Margin compression can only go so far before prices go up or companies shut down. The business owner and employee relationship should be symbiotic in nature, but not everyone believes in win-win situations. We talk about Star Wars vs. Star Trek and relate those to today! Technology and innovations in the corporate world should be allowing deflation in consumer pricing, but the government needs inflation. We talk about why as well as how you can protect yourself from inflation to make your world a better place! Sponsors: American Gold Exchange Our dealer for precious metals & the exclusive dealer of Real Power Family silver rounds (which we finally got in!!!). Get your first, or next bullion order from American Gold Exchange like we do. Tell them the Real Power Family sent you! Click on this link to get a FREE Starters Guide. Abolish Property Taxes in Ohio: https://reformpropertytax.com/ Our Links: www.RealPowerFamily.com Info@ClearSkyTrainer.com 833-Be-Do-Have (833-233-6428)

On this TCAF Tuesday, Josh Brown welcomes CNBC host Wilfred Frost for a look at the success of US stocks vs the UK's market and what made Wilfred's dad David Frost one of the most important TV journalists of the 20th Century. Then at 37:30, hear an all-new episode of What Are Your Thoughts with ⁠⁠⁠⁠⁠Downtown Josh Brown⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠! This episode is sponsored by Public. Find out more at: https://public.com/WAYT   Sign up for ⁠⁠⁠⁠⁠The Compound Newsletter⁠⁠⁠⁠⁠ and never miss out! Instagram: ⁠⁠⁠⁠⁠https://instagram.com/thecompoundnews⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠https://twitter.com/thecompoundnews⁠⁠⁠⁠⁠ LinkedIn: ⁠⁠⁠⁠⁠https://www.linkedin.com/company/the-compound-media/⁠⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠⁠https://www.tiktok.com/@thecompoundnews⁠⁠⁠⁠⁠ Public Disclosure: All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Public Investing, Inc., member FINRA & SIPC. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1890144), which is licensed to engage in virtual currency business activity by the NYSDFS. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings are not protected by the FDIC or SIPC. Alpha is an experimental AI tool powered by GPT-4. Its output may be inaccurate and is not investment advice. Public makes no guarantees about its accuracy or reliability—verify independently before use. *Rate as of 6/24/25. APY is variable and subject to change. Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Josh Brown are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Steiny and Guru discuss NFL Cut Day and who could be staying or going. They look at the roster as a whole and wonder how close are they from 6 wins or 11 wins?

Multi-store owners: Are running payroll through all of your locations? This episode is a must listen... In this episode of Master the Margin, Scotty Sykes, CPA, CFP® and Kathy Blanchard, Senior Pharmacy Accountant, dive into the nuances of common paymaster status and why it's often misunderstood in multi-store pharmacy operations.  They break down:  - What a common paymaster is—and how it (theoretically) benefits employers  - Why most multi-store pharmacy owners don't qualify, despite good intentions  - The payroll risks of misclassifying employees across entities  - The role of controlled group rules in IRS compliance  - How common ownership impacts payroll, 401(k)s, benefits, and more  Check out the full episode with bonus insights: https://masterthemargin.substack.com/ Schedule an Rx Assessment: https://www.sykes-cpa.com/rx-assessment-service/  More resources about this topic: Podcast - One Big, Beautiful Bill: What the New Tax Proposal Means for Pharmacies: https://www.youtube.com/watch?v=99jnN08jGUo Podcast - The Multi Store Owners Guide to Selling Your Pharmacy: https://www.youtube.com/watch?v=smmNR_SFOwg

Are you running on empty? In a world that celebrates hustle, many of us live with no room to breathe—no margin in our schedules, budgets, emotions, or spiritual lives. In this practical and powerful series, Margin: Making Space for What Matters, we'll learn how to create healthy space in four key areas: time, finances, emotions, and faith. God never meant for us to live maxed out and burnt out. When we build margin into our lives, we make room for rest, generosity, peace, and deeper connection with God and others. Discover how less stress and more space can actually lead to more purpose.

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)-453-1591   

Government Theft, Margin Compression, and "Studies" The property tax situation is heating up and leads to us talking about delinquencies, California's proposition, and what happens when people can't pay what someone wants to charge them. We throw in some talk of gyroplanes, strange "Studies" degrees, and the Epstein list. There are so many politicians ignoring their constituents, stealing money and spending dollars where we don't want them to go. It will take a lot of voices speaking out against government overreach and abuse in order to get some real change for the better!  Sponsors: American Gold Exchange Our dealer for precious metals & the exclusive dealer of Real Power Family silver rounds (which we finally got in!!!). Get your first, or next bullion order from American Gold Exchange like we do. Tell them the Real Power Family sent you! Click on this link to get a FREE Starters Guide. Abolish Property Taxes in Ohio: www.AxOHTax.com Our Links: www.RealPowerFamily.com Info@ClearSkyTrainer.com 833-Be-Do-Have (833-233-6428)

The CAC payback period is one of the most important SaaS metrics — and a top investor metric used in boardrooms, fundraising, and valuation discussions. But here's the nuance: which gross profit should you use when calculating it? In episode #307, Ben Murray explains why CAC payback must be gross margin adjusted and why using your company's total blended gross margin is a mistake. Instead, you'll learn how to align ARR, MRR, and revenue streams with their specific gross profit to get an accurate picture of sales efficiency and scalability. This lesson is especially critical for scaling SaaS and AI businesses as miscalculations here can distort your financial model, mislead investors, and even impact your company's valuation. What You'll Learn Why CAC payback is a must-have metric in your financial dashboard. The correct gross profit to use in CAC payback calculations. How to calculate CAC payback when you have multiple revenue streams (subscription, usage, services, hardware). Why large SaaS companies may need segmented CAC payback periods for different products or business units. How an accurate accounting foundation prevents “accounting debt” that complicates metrics and valuation later. Why It Matters Investors rely on CAC payback to judge efficiency and growth potential. Using the wrong gross profit skews results and undermines trust in your financial metrics. Clean accounting systems and segmentation enable accurate benchmarking, which strengthens your story in fundraising and valuation discussions. Resources Mentioned

Send us a textRunning a private mental health practice is more than just providing excellent care—it's also about keeping your business healthy and sustainable. In this episode of the Your Mental Health Business Mentor Podcast, we delve into the delicate balance between compassionate care and financial responsibility. Join Dr. Margo Jacquot as she talks with Rebecca Berneck, CEO of Officeheads, about practical ways to maintain strong profit margins without compromising the quality of care your clients receive. From understanding your true costs to setting fees with confidence, to streamlining operations, this conversation offers valuable insights for clinicians at every stage of private practice. Whether you're just starting out or have been in business for years, you'll walk away with actionable strategies to help your practice thrive—financially and clinically. Because when your bottom line is strong, your ability to serve others only grows.You Will Learn To:Balance compassionate care with financial sustainability in private practiceUnderstand the true costs of running your businessIdentify strategies to maintain strong profit marginsAn efficiency geek since birth, Rebecca Berneck is CEO and “Big Head” of Officeheads. Rebecca's ineffable spirit has taken her from corporate problem solver to the pied piper of small business owners. She applied her vast talents to creating not one but two seven-figure consulting firms in 5 years. She knows her stuff and knows how to put it to use for her clients and audiences. She has implemented best practice processes, provided financial management and tax services, and advised a slew of hectic entrepreneurs to know their numbers and to apply this powerful information to their financial and strategic goals, creating the Officeheads 5-Gear Financial Management System. Outside of work, Rebecca is a retired vintage motorcycle racer and still sings the national anthem at vintage motorcycle events. The largest crowd thus far is 70,000 people. Resources Mentioned in the Episode:Officeheads Academy-- https://academy.officeheads.com/Traction: Get a Grip on Your Business-- https://www.amazon.com/Traction-Get-Grip-Your-Business/dp/1936661837Profit First: Transform Your Business from a Cash-Eating Monster to a Money-Making Machine-- https://www.amazon.com/Profit-First-Transform-Cash-Eating-Money-Making/dp/073521414X/ref=tmm_hrd_swatch_0Connect with Rebecca Berneck:https://www.linkedin.com/in/officeheads/Dr. Margo Jacquot is the award-winning founder and Chief Care Officer of The Juniper Center, one of the largest woman-owned counseling and therapy practices in the Chicago area. With over 20 years of experience, she specializes in trauma recovery, addiction treatment, and LGBTQ-affirming therapy. Dr. Jacquot is also the host of the "Mental Health Business Mentor" podcast, where she shares insights on running a successful mental health practice. thejunipercenter.com Connect with Dr. Margo Jacquot: Website: thejunipercenter.com Instagram: @thejunipercenter Facebook: The Juniper Center

If every day ends at 0%—no time, no energy, no cash—you're not leading strategically; you're firefighting.

Let's welcome this week's first guest, Carly Gunby of Transfix, to share how modern freight technology is transforming outdated business development! Our conversation explores the significant role of niche specialization, consistent pricing, and real-time AI-driven tools. From analyzing broker behaviors to optimizing lane performance and adopting smarter load coverage strategies, Carly and I dig into practical ways brokers and shippers can use data to stay competitive in today's market. Tune in for more!   About Carly Gunby Carly is a highly skilled business professional with over a decade of experience in the transportation and logistics industry. Carly began her career at Crowley Maritime, where she spent eight years in varying positions selling their full suite of supply chain offerings. She eventually landed in their truck brokerage, building the inside sales team. During her time at Crowley, she played a critical role in driving growth and expanding the company's footprint across the United States. Currently serving as the Vice President of Revenue at Transfix, Carly is responsible for developing and implementing strategies to drive revenue growth and improve the company's overall sales performance. Her expertise in sales and business development has been instrumental in helping Transfix achieve significant growth and establish itself as a leader in the transportation and logistics industry. In addition to her professional pursuits, Carly is a proud soccer mom who coaches for her daughters' team in her spare time. She is also an active volunteer, dedicating her spare time to the finance committee of her church. Carly's commitment to giving back to her community is a testament to her dedication to making a positive impact in the world around her. Carly is highly respected and regarded within the transportation and logistics industry for her exceptional leadership, strategic thinking, and commitment to driving growth and success. Her unwavering dedication to her profession and community has earned her a reputation as a highly accomplished and respected business leader.   Connect with Carly Website: https://transfix.io/  Email: carlygunby@transfix.io  LinkedIn: https://www.linkedin.com/in/carlygunby/  To donate to the St. Christopher Fund, go to https://truckersfund.org/ to learn more!  

AI-Native products and AI products integrated into a traditional SaaS platform have different Cost of Goods Sold (COGS) than a SaaS platform, which directly impacts Gross Margin. With over 80% of SaaS companies already integrating AI products into their platform, the Metrics Brothers knew it was time to discuss the Gross Margin and Cost of Goods Sold considerations of deploying an AI product:Topics that CAC and Growth discuss during this episode includes:Gross Margin benchmarks for AI products versus SaaS platformsCost of Goods Sold (COGS) for SaaS productsCost of Goods Sold (COGS) for AI productsGeneral Rules for COGS vs OPEX categorizationIncreasing AI product Gross Margins with scaleThe cascading reality of AI investments and build-outsIf you are considering investing capital and resources into an AI product, be it in an AI-Native product or as an add-on to a legacy SaaS platform, this conversation between CAC and Growth provides multiple insights and considerations for many Cost of Goods Sold components for AI products vis-à-vis traditional SaaS products.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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In this powerful installment of our Grown Folks Faith series, Pastor James D. Gailliard walks us through the spiritual, emotional, and physical battles we face in our pursuit of wholeness. Rooted in 3 John 2—“Beloved, I pray that you may prosper in all things and be in health, just as your soul prospers”—this message challenges us to name the enemies of our wellness and fight back with biblical strategy.

In this powerful installment of our Grown Folks Faith series, Pastor James D. Gailliard walks us through the spiritual, emotional, and physical battles we face in our pursuit of wholeness. Rooted in 3 John 2—“Beloved, I pray that you may prosper in all things and be in health, just as your soul prospers”—this message challenges us to name the enemies of our wellness and fight back with biblical strategy.

Are you running on empty? In a world that celebrates hustle, many of us live with no room to breathe—no margin in our schedules, budgets, emotions, or spiritual lives. In this practical and powerful series, Margin: Making Space for What Matters, we'll learn how to create healthy space in four key areas: time, finances, emotions, and faith. God never meant for us to live maxed out and burnt out. When we build margin into our lives, we make room for rest, generosity, peace, and deeper connection with God and others. Discover how less stress and more space can actually lead to more purpose.

TJ Romans didn't just sell $800,000 in plumbing work last year—he installed it, too. That kind of performance doesn't come from pressure tactics or slick sales lines. It comes from trust, education, and a clear process that empowers homeowners to say yes with confidence.  In this episode, TJ breaks down exactly how he earns that trust—and consistently turns routine calls into big-ticket installs.  You'll learn how he: Sold and installed $800K in plumbing by keeping it simple and putting the homeowner first Navigates high-risk stoppage calls with a single sentence that protects both him and the company Uses inspections as an educational moment—not a scare tactic—and builds options around what homeowners care about Handles objections with empathy, especially on calls involving remodeled bathrooms or builder-grade fixtures Structures his calls by focusing first on what the customer noticed—then smoothly introduces additional value Builds urgency the right way—backed by visuals, facts, and clear explanations Avoids chasing every potential upgrade and instead controls the call with purpose  TJ also shares how he mentally resets after tough calls, stays consistent with his approach, and trains newer techs to focus on the long game—not the quick close.  This isn't a high-pressure sales training—it's a real conversation with a high-performing technician who genuinely wants to help people. And that mindset? It sells. If you're in plumbing sales—or manage people who are—this is the kind of episode that can change your approach for the better.  

I am excited to introduce Efficient Friday! Each week, in 10 minutes or less,  I want to share a super tactical tip, idea, process, hack, etc with you that you can implement in your business right away!In this short but powerful episode:Libby shares the one game-changing shift that transformed her from reactive and overwhelmed to calm and proactive. If you've ever found yourself scrambling the night before a client meeting or derailed by surprise issues, this strategy will resonate.You'll learn how building just a bit of margin into your schedule (think: a simple two-week buffer) can reduce stress, improve your client experience, and help you lead like a true CEO—not just put out fires all day.You can also watch this Efficient Friday as a video on The Efficient Advisor's YouTube Channel!Learn more about the Group Coaching & Mastermind HERE! Check out The First 100 Days Course: The Advisor's Blueprint for a Remarkable Client Experience HERE!Learn more about Asset-Map financial planning software HERE! Learn more about our sponsor Beemo Automation HERE! Check out the Efficient Advisor YouTube Channel HERE!Connect with Libby on LinkedIn HERE!Successful businesses don't get built alone. You need community! You need collaboration! Join us in The Efficient Advisor Community on Facebook.

An episode looking at the possibilities for state-to-state engagement, direct diplomacy and constructive dialogue between Lebanon and Iran. With Michael Young - senior editor at Carnegie's Middle East Center and editor of Diwan. Articles mentioned in this episode include "Israel can inflict even more damage if Hezbollah doesn't disarm" https://www.thenationalnews.com/opinion/comment/2025/08/13/how-much-damage-can-israel-cause-if-hezbollah-doesnt-disarm/ "Hezbollah's Margin is Tightening - The Lebanese government's efforts to secure a monopoly over weapons are advancing, but can it ignore Iran?" https://carnegieendowment.org/middle-east/diwan/2025/08/hezbollahs-margin-is-tightening?lang=en The podcast is only made possible through listener and viewer donations. Please help support The Beirut Banyan by contributing via PayPal: https://www.paypal.me/walkbeirut Or donating through our Patreon page: https://www.patreon.com/thebeirutbanyan Subscribe to our YouTube channel and your preferred audio platform. Follow us on Facebook, Instagram & Twitter: @thebeirutbanyan And check out our website: www.beirutbanyan.com Timestamps: 0:00 Intro 1:12 Diplomacy with Iran 4:56 What Iran wants 7:53 What the Iranians and Americans are discussing 8:47 The Lebanese Forces' rejection to Larijani's visit 11:57 Lebanese state as interlocutor 13:15 Deadline for disarmament 14:34 Comparisons to earlier attempts at militia disarmament 15:37 Israeli entry into the fight 17:10 Betting on time 20:48 US goals vis-a-vis dialogue with Iran 21:52 A normal relationship with Iran 25:05 Letter to Rouhani

Hace 10 años que se publicó 'Dos amigos, un siglo de música', disco doble con un concierto de la gira con la que Caetano Veloso y Gilberto Gil quisieron celebrar 50 años en la música. Ellos dos, solo con sus voces y sus guitarras, en 'Back in Bahia', 'Coração vagabundo', 'Tropicália', 'Marginália II', 'É luxo só', 'De manhã', 'As camélias do quilombo do Leblon', 'Sampa', 'Terra', 'Nine out of ten', 'Odeio', 'Tonada de luna llena', 'Eu vim da Bahia', 'Superhomem a canção', 'Come prima' y 'Esotérico' Escuchar audio

Martin Mignot is a Partner at Index Ventures, the best-performing fund in the world right now. In the last three months, they have sold Wiz for $ 32 billion, sold Scale for $14.9 billion, and IPO'd Figma as the largest investor. In addition to this, they are the largest or second-largest shareholders in Roblox, Revolut, Adyen and Datadog.  Agenda for Today: 00:00 – Why Gross Margin is the Biggest Sin in the Early Days 04:50 – Why Most People Shouldn't Become VCs 07:40 – Why it is BS to Suggest the Future of VC is Boutique vs Mega Fund 09:10 – Do Multi-Stage Funds Really Give a S*** About Seed 13:50 – The Founder Trait That Trumps Market Size Every Time 18:45 – How Spotify Still Haunts Index Ventures & What They Learn From It? 28:50 – The Brutal Truth About European vs. U.S. Founders 34:20 – The Case for a European AI Giant (and Who Might Build It) 40:50 – The Return of the 7-Day Founder Work Week 52:10 – Biggest Lessons from Leading Revolut's Series A 56:40 – Betting Against Nick Storonsky? Don't. 1:03:10 – The One Competitor Index Ventures Admires    

When it comes to the advancement of the Gospel into the world, God is the One who opens the way, He often works on the fringes, and He always invites us to respond.

“The way of a fool is right in his own eyes, but a wise man listens to advice.” — Proverbs 12:15Wise financial decisions don't happen in a vacuum—they often require wise counsel. But how do you know if the person giving you advice shares your convictions and values? Brian Cochran joins us today to explore how biblical wisdom should shape not just our decisions, but the voices we trust.Brian Cochran is a Certified Financial Planner (CFP®), a Certified Kingdom Advisor (CKA®), and also serves as the Chief Stewardship Officer at John Moore Associates. The “Why” Shapes EverythingAt John Moore Associates, a recently celebrated milestone tells a powerful story—over $50 million in charitable giving facilitated through the families they serve. This achievement isn't about accolades or financial performance. It reflects a deeper belief: money is a gift from God, but it was never meant to be the ultimate goal for an individual. It's a tool designed for Kingdom impact.Certified Kingdom Advisors® take a distinct approach to financial planning. While they certainly aim to help clients grow their wealth, they are equally—if not more—committed to helping them give it away with wisdom and purpose. The core question isn't just, “How can you accumulate more?” but, “How can you steward it more faithfully?”Their mission is to walk alongside families and help them become wise and generous stewards of the resources God has entrusted to them. That vision informs every client meeting, every piece of advice, and every long-term strategy. They don't see themselves merely as business professionals—they see themselves as called to influence families toward biblically grounded financial decisions that reflect God's character and priorities.They refer to this role as being “stewards of stewards.” Their job is to help others manage God's money in a way that aligns with His will—not just to build bigger portfolios, but to foster hearts that reflect His generosity.The Art of Financial PlanningAlthough financial planning encompasses technical elements such as taxes, investments, and estate strategies, it is far more than just numbers. Financial planning is as much an art as it is a science.That's because personal values, priorities, and convictions ultimately shape every financial decision. Two families with identical balance sheets may receive vastly different advice depending on the worldview and values of their advisor. Even the most technically sound recommendations can lead a client astray if they don't align with their faith or purpose.Families excited to step into greater generosity have occasionally faced resistance—not from financial limitations, but from professionals who didn't understand why anyone would want to give so much away. Similarly, some clients have discovered their portfolios include investments in industries that conflict with their convictions, such as pornography, abortion, or addictive products. These disconnects are more common than many realize.When an advisor doesn't understand a client's “why,” they may unintentionally work against it.When Values AlignBy contrast, working with an advisor who shares a client's biblical values can be transformational. Rather than resist generosity, they champion it. They help clients move beyond conventional financial goals and pursue eternal ones—cheering them on as they give, invest, and plan with Kingdom purpose.This values alignment also fosters deeper conversations about contentment and purpose. Advisors who understand the biblical call to stewardship help clients shift from an accumulation mindset to one that asks, “How much is enough?” That change can lead to greater peace, joy, and impact.It also affects how clients invest. With the guidance of a biblically aligned advisor, many discover new confidence and clarity by investing in companies or funds that reflect their values. In many cases, clients feel more engaged and excited knowing that their investments are not only earning a return but also honoring God.Questions to Ask a Potential AdvisorFor those seeking this kind of partnership, here are a few essential questions to ask any prospective advisor:What are your core values, both personally and as a firm?How do those values shape the way you serve your clients?How do you define success in a client relationship?How are you compensated? Are there any potential conflicts of interest?Most importantly: How will your advice support and strengthen my faith?These questions open the door to alignment—and can help avoid unnecessary confusion or compromise down the road.Many Christians are already working with an advisor, but over time begin to sense that their values may not fully align. That tension shouldn't be ignored. It may be time to ask the same questions listed above. If the answers fall short, it might be wise to explore a new advisor who shares a biblical worldview.Though changing advisors can feel daunting, staying with one who doesn't understand or support a client's convictions may come at a greater cost.A Higher Calling in Financial AdviceUltimately, stewardship is at the heart of every financial decision. Money is not just a personal asset—it's a divine responsibility. A truly aligned financial advisor serves not just as a guide for wealth management but also as a partner in helping Christians honor God with all that He has entrusted to them.For those looking to take that next step with confidence, a nationwide directory of Certified Kingdom Advisors is available at FaithFi.com. Just click Find a Professional to connect with an advisor who shares biblical values and a Kingdom-focused approach to financial planning.On Today's Program, Rob Answers Listener Questions:I'm 70 and considering an annuity to add more stability to my portfolio. Can you explain the pros and cons? I'm looking for guaranteed income and want to diversify beyond my current investments in silver, stocks, and bonds.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)John Moore AssociatesWisdom 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) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Manufacturers today who want to decrease their carbon footprint and build sustainable products face dual challenges. Not only do they need to revamp their factories and set up a sustainable supply chain, but they need to keep costs low to sell on price as well as on values. It's margin before mission if you want to really win in the competitive marketplace. So says Plantd co-founder and host of the SuperCool podcast Josh Dorfman, who is the guest on this episode of Manufacturing Insights.

MOVE SUPPLY CHAINPay less for COGS, get shorter lead times, and improve payment terms in your supply chain with help from Move Supply Chain at https://⁠movesupplychain.com⁠.//What if your next supply chain decision could unlock 5–10 more points of margin—without sacrificing quality?In this episode, Andrew brings back Laura Guevara of Move Supply Chain to do a deep dive on exactly how they built a high-margin, custom-manufactured product (solid cologne) from scratch—with global sourcing, minimal MOQs, and airtight logistics.You'll hear how Laura's team:– Sourced over 80+ manufacturers across Asia, Europe, and the U.S.– Landed beautiful, custom walnut & aluminum packaging at ~$5 per unit– Navigated tariff risk, lead times, and sampling strategy– Used Filipino talent for affordable, world-class execution– Identified future margin unlocks, including raw material sourcing and toll manufacturingIf you're scaling an eCommerce business, supply chain optimization isn't optional. It's your competitive advantage. This episode is a masterclass in how to build smart from day one—and where to look for your next big efficiency win.//CHAPTER TITLES:00:02:21 - Introducing Resolute00:07:19 - Sales Funnel Process For Manufacturing00:13:04 - Resolute Unit Economics Calculator00:29:47 - Complications In Production00:33:30 - Lara Discusses Various Supply Chain Locations00:41:25 - Sourcing Raw Materials For Packaging & Product// SUBSCRIBE TO MY CHANNEL FOR 2X/WEEKLY UPLOADS!//ADMISSIONGet the best media buying training on the Internet + a free coaching call with Common Thread Collective's media buyers when you sign up for ADmission here: ⁠https://www.youradmission.co/andrew-faris-podcast⁠//FOLLOW UP WITH ANDREW X: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://x.com/andrewjfaris ⁠Email: podcast@ajfgrowth.comWork with Andrew: ⁠https://ajfgrowth.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Are you looking to save time, make money, and start winning with less risk? Then head to https://www.ovtlyr.com.Get ready for an action-packed episode of “Ask Me Anything Friday,” where traders like you get real answers in real time. From dissecting trending stocks like Nvidia, Dutch Bros, and Palantir to crushing popular trading strategies like the wheel, this video is your backstage pass to smarter trading decisions.We kick things off with a hilarious, choir-style stock market anthem before diving into viewer-submitted questions on everything from margin vs. options to how to use the OVTLYR signals like a pro. If you've ever asked yourself when to roll an option, how much extrinsic value is too much, or whether your stop losses should ever be placed in the market (spoiler: no), this video is a must-watch.Here's what we cover:➡️ Live analysis of Nvidia, Dutch Bros, AMD, and SPY using the OVTLYR trend template➡️ Breakdown of the Slingshot Setup and how to use fear & greed scores by sector➡️ Why extrinsic value matters and how to calculate the right price for your options➡️ Margin vs. options: which gives better leverage and lower risk?➡️ Why the wheel strategy can be dangerous—and what to do instead➡️ Trading psychology: how to stick to your plan when markets get emotional➡️ Monte Carlo simulation walkthrough: calculating your worst-case scenario like a pro➡️ Merch preview: monkey hammer gear, OVTLYR University apparel, and more➡️ Why we believe in trading over selling courses—and how that shapes the value of OVTLYRYou'll also get answers to community questions about long-term investing, open interest, position sizing, and more—plus behind-the-scenes commentary on building version 4.0 of the OVTLYR platform and what's coming next.If you're tired of overpriced trading gurus pushing $10,000 courses, this is your antidote. We break everything down in plain English—with zero fluff—and equip you to trade faster, smarter, and with less risk. Whether you're just starting out or scaling up a six-figure portfolio, OVTLYR is built to make your trading journey more effective and enjoyable.Time to level up your trades. Watch now and start making better decisions with data-driven clarity.Gain instant access to the AI-powered tools and behavioral insights top traders use to spot big moves before the crowd. Start trading smarter today

In today's fast-moving, high-volatility markets, the old way of managing pricing—manual processes, siloed data, reactive decisions—just can't keep up. This episode, inspired by AI agent pricing: Faster, smarter decision making for margin growth, examines how AI agents are changing the game for sales, pricing, and revenue management.We dive into what makes agentic AI different from traditional automation, why human-AI collaboration is key, and how unified technology platforms create the environment these agents need to thrive. Real-world examples, including Pricevex's specialized pricing agents, show how businesses can detect margin leaks, optimize discounting, accelerate quoting, and capture premium opportunities—at scale.What You'll Learn in This Episode:1. The Shift to Agentic AIHow AI agents differ from past automation toolsWhy they act as “always-on” co-pilots for margin-impacting decisionsGartner's prediction: AI agents augmenting or automating 50% of business decisions by 20272. Core Characteristics of an AI-Agent-Ready PlatformAlways-on, proactive data scanningComposable, connected architecture for real-time integrationTransparent, explainable recommendations to build trustUser-friendly, natural language interaction3. Practical Applications in PricingMargin leakage detection for unprofitable products and contractsDiscount strategy optimization to prevent revenue lossQuote intelligence to speed complex deal cyclesUpside opportunity spotting to boost premium sales4. Pricevex in ActionSeamless integration with SAP Commerce Cloud and SAP Sales CloudInstant, AI-driven pricing recommendations for complex configurationsAutomated approval workflows and real-time system sync5. The Strategic Role of Unified PlatformsWhy best-of-breed architectures often create complexity and cost trapsBenefits of suite-as-a-service for pre-integration and vendor consolidationThe “flywheel effect” where integrated applications, data, and AI feed each other6. Looking Ahead: AI and Business StrategyAI literacy as a driver of 20% higher financial performanceChallenges of managing synthetic data at scaleThe role of semantics in improving AI model accuracy and reducing costsGartner's 2029 prediction: AI guidance influencing board-level decisionsKey Takeaways:AI agents enable faster, more precise decision-making in pricing and revenue management.Unified, composable platforms remove the silos that limit AI's effectiveness.Transparency and explainability are essential for trust in AI-driven recommendations.Vendor consolidation supports efficiency, scalability, and consistent data for AI models.Businesses that combine human expertise with agentic AI will set the pace in their industries.Subscribe to our podcast for expert insights on AI in pricing, sales, and business strategy. Visit The Future of Commerce for in-depth research on how technology is transforming decision-making. Share this episode with pricing leaders, CIOs, and revenue strategists who want to harness AI for margin growth.

Will the stock market crash? With the market continuing to march higher and setting record high after record high, I do worry more and more that a crash could be coming. It doesn't mean it will happen tomorrow, next week, or maybe even this year, but I do believe the risk to reward of investing in the S&P 500 at this point is not favorable when you take all the data into consideration. I have talked a lot about the fact that the top 10 companies now account for nearly 40% of the entire index and the forward P/E multiple of around 22x is well above the 30-year average of 17x, but there are also less discussed factors that are quite concerning. There is something called the Buffett Indicator that looks at the total US stock market value compared to US GDP. Buffet even made the claim at one point that this was “the best single measure of where valuations stand at any given moment." The problem here is that it now exceeds 200%, which is a historic high and well above even the tech boom when it peaked around 150%. Another concerning measure is the Shiller PE ratio, which looks at the average inflation-adjusted earnings from the previous 10 years in relation to the current price of the index. This is now at a multiple around 39x, which is well above the 30-year average of 28.3 and at a level that was only seen during the tech boom. While valuation isn't always the best indicator for what will happen in the next year, it has proven to be a successful tool for long term investing. Unfortunately, valuations aren't my only concern. Margin expansion is even more frightening as the reliance on debt can derail investors. Margin allows investors to buy stocks with debt, but the big problem is if there is a decline and a margin call comes the investor would either have to add more cash or make sells, which causes a further decline in the stock due to added selling pressure. Margin debt has now topped $1 trillion, which is a record, and it has grown very quickly considering there was an 18% increase in margin usage from April to June. This was one of the fastest two month increases on record and rivals the 24.6% increase in December 1999 and the 20.3% increase in May 2007. In case you forgot, both of the periods that followed did not end well for investors. Looking at margin as a share of GDP, it is now higher than during the dot-com bubble and near the all-time high that was reached in 2021. One other concern with the margin level is it does not include securities-based loans, which is another tool that leverages stock positions and if there is a decline could cause added selling pressure. Unfortunately, this data is not as easy to find since they are lumped in with consumer credit. The most recent estimate I could find was in Q1 2024, they totaled $138 billion and with the risk on mentality that has occurred, my assumption is the total would be even higher now. We have to remember that we now are essentially 18 years into a market that has always had a buy the dip mentality. Even pullbacks that occurred in 2020 and 2022 saw rebounds take place quite quickly. This has created a generation of investors that have not actually experienced a difficult market. I always encourage people to study the tech boom and bust as it was devastating for investors. The S&P 500 fell 49% in the fallout from the dotcom bubble and it took about 7 years to recover. Investors in the Nasdaq fared even worse as they saw a 79% drop and it took 15 years to get back to those record levels. Unfortunately, this isn't the only historical period that saw difficult returns. If you look back to the start of 1964, the Dow was at 874 and by the end of 1981 it gained just one point to 875. This was an extremely difficult period that saw Vietnam War spending, stagflation, and oil shocks, but it again illustrates that difficult markets with little to no advancement can occur. So, with all of this, how are we investing at this time? We are maintaining our value approach, which generally holds up much better in difficult markets. For comparison, the Russell 1000 Value index was actually up 7% in 2000 while the Russell 1000 Growth index fell 22.4% that year. We are also maintaining our highest cash position around 25% since at least 2007.  I continue to believe there are opportunities for investors, it just requires discipline and patience. One other person remaining patient at this time is Warren Buffett. Berkshire now has near a record cash hoard of $344.1 billion and the conglomerate has been a net seller of stocks for the 11th quarter in a row. I'd rather follow people like Buffett at times like this over the Meme traders that have become popular once again.   Consumers are doing a better job managing their credit card debt  Data released by Truist Bank analysts show that card holders of both higher and lower scores are doing a better job paying their bills on time. This is based on a drop in the rate of late payments from last quarter. Also improving is debt servicing payments as a percent of consumers disposable personal income. The first quarter shows debt-servicing payments were roughly 11% of disposable income, which is a strong ratio to see considering that level is below what was typical before the start of 2020 and it's far below the 15%-plus levels that were seen leading up to the Great Recession in 2008. According to Fed data, card loan growth was only 3% year over a year, which could be due to lenders increasing their credit standards. Stricter standards also made it more difficult for subprime borrowers to obtain new credit cards considering the fact that as a share of new card accounts, this category accounted for just 16% of all new accounts. This was down roughly 7% from the last quarter in 2022 when it was 23%. Consumers may also be more aware of the high interest costs considering rates stood at 22% as of May. There has been a decrease in rates from the peak last year, but Fed data reveals before interest rates began rising in 2022 interest rates stood at 16% for card accounts. If the Fed were to drop rates a couple of times between now and the end of the year, we could see a small decline in the rate. With that said borrowing money on a credit card and accruing interest is a terrible idea as even a 16% rate would not be worth it!    Real estate investors may be supporting the real estate market. This may sound like a good thing, but this could be dangerous long-term since investors don't live at the property. It would be far easier for them to default on the mortgage and let the house go into foreclosure or sell at a price well below market value just to get their investment back. So far in 2025 investors have accounted for roughly 30% of sales of both existing and newly built homes, which is the highest share on record. This is according to property analytics firm Cotality and they started tracking the sales 14 years ago. Most of these investors were small investors, who own fewer than 100 homes as they accounted for roughly 25% of all purchases. This compares to large investors which accounted for only 5% of purchases of new and existing homes. Within the small investor space, the stronger category is those with just 3-9 properties as this group has accounted for between 14 and 15% of all sales each month this year. The data also shows that the large investors like Invitation Homes and Progress Residential have become net sellers in the market and are selling more properties than they are buying. This is likely due to reduced rents from the high competition in the rental market and a softening of the overall real estate market in certain areas that has not provided the expected return that they wanted. I do worry that the small investor here has less access to good data and is less disciplined with their investment strategy. They are likely buying homes because real estate has been a good investment for the last several years, but if the market were to turn, they would be more likely to panic and sell and they may not have the means to continue holding the real estate. I do believe if interest rates remain, housing prices could remain stable or perhaps even drop a little bit. It's important to remember long term mortgage rates generally stem from longer term debt instruments like a 10-year Treasury, rather than the short-term discount rate set by the Fed.   Financial Planning: When and How a Refinance is Helpful After several years of elevated mortgage rates, steady declines have made more homeowners candidates for refinancing, but a smart decision requires looking beyond the headline interest rate. The first question is whether the refinance actually reduces the rate, and if so, what third-party closing costs and discount points are involved. Every mortgage carries these costs, and paying points may not make sense if rates are expected to fall further and another refinance could be on the horizon, especially since few 30-year mortgages last their full term before a sale or another refi. The structure of the new loan also matters: should costs be paid upfront or rolled into the loan balance, and how long will the loan likely be kept? The real goal is to borrow at the lowest overall cost over the life of the loan, factoring in both the rate and the cost to obtain it. A lower rate and payment may feel like a win, but without careful structuring, it may not be the most cost-effective move, something mortgage brokers often overlook when focusing solely on rate reduction. Here's a real example from just last week. A homeowner with a $580,000 mortgage at 6.875% and a $3,900 monthly payment has the opportunity to refinance to 5.5%, lowering the payment to $3,500 with no additional cash due at closing, and saving roughly $80,000 in total interest over the life of the loan. At first glance, this looks like a no-brainer. However, this structure would only be ideal if the homeowner never had another chance to refinance, which is unlikely given their current rate of 6.875%. In this case, all costs were rolled into a new loan balance of $616,000—an increase of $36,000—explaining why no cash was required at closing. A better approach might be to refinance to a rate only slightly lower than 6.875%, still reducing both the monthly payment and lifetime interest, but without dramatically increasing the loan balance by rolling in discount point costs. Refinances can continue as long as rates are expected to decline, and the best time to pay points is in a “final” refinance when rates are no longer expected to drop so the benefit can be locked in for the long term.   Companies Discussed: Carrier Global Corporation (CARR), Polaris Inc. (PII) & Align Technology, Inc. (ALGN)

A recent survey reveals that nearly 1 in 4 Americans has no emergency savings, and more than a third had to tap into their savings just to get through the past year. Even more sobering, Bankrate reports that only 46% of U.S. adults have enough savings to cover three months of expenses, while 33% have more credit card debt than they do in emergency savings.The numbers are alarming, but they don't have to define your future.Laying the Foundation: Live on Less Than You EarnBefore we talk about building wealth or making investments, we must start with the foundation: living on less than you earn. It's the bedrock of biblical financial wisdom. As John Maxwell put it, “A budget is telling your money where to go instead of wondering where it went.” Without a plan, it's easy to drift. But a budget anchors your finances and gives every dollar a purpose.That's where the FaithFi app can help—offering a practical tool to craft a spending plan rooted in biblical values.Proverbs 6:6–8 urges us:“Go to the ant, O sluggard; consider her ways, and be wise. Without having any chief, officer, or ruler, she prepares her bread in summer and gathers her food in harvest.”The ant doesn't wait for a crisis—it stores up in advance. That's what budgeting does. It's not about restriction; it's about preparation and wisdom.Why Investing Comes NextOnce you've created margin through budgeting, the next step is investing. Why? Because while money sitting in a checking account loses value due to inflation, investing allows your resources to grow through the power of compound interest.As Proverbs 21:5 (TLB) says:“Steady plodding brings prosperity; hasty speculation brings poverty.”Wise investing isn't about chasing trends—it's about faithful, consistent action over time.Maybe you're thinking, “I don't make enough to invest.” But consider this: If you invest just $100 a month starting at age 25, earning an 8% annual return, you'll have over $300,000 by age 65. That's the power of small, faithful steps over time.And today, getting started is easier than ever. Roboadvisors, such as Schwab Intelligent Portfolios or Betterment, offer diversified, user-friendly platforms that require minimal financial knowledge.Wealth With a Purpose: Stewardship, Not Self-SufficiencyRemember: financial freedom isn't independence from God—it's dependence on Him with wisdom. Deuteronomy 8 reminds us that even the ability to produce wealth comes from the Lord. As Proverbs 13:11 teaches:“Wealth gained hastily will dwindle, but whoever gathers little by little will increase it.”God doesn't call us to perfection—He calls us to faithful stewardship.Why do we budget, save, and invest? So we can live with margin, give joyfully, and bless others. Wise financial decisions position us to participate in God's Kingdom work—not just provide for ourselves. So if you're feeling stuck, start small:Build a budgetCreate marginSave a littleInvest a littleTrust God with the processOver time, you'll be amazed at what He can do through your faithfulness.On Today's Program, Rob Answers Listener Questions:My friend is interested in investing directly in Israel's stock market—how would they go about doing that? Additionally, I'm 83 years old and own a home valued at $360,000. I need to replace the iron pipes, which could cost between $35,000 and $51,000. At my age, what are my options for financing a project like this?My 66-year-old brother wants to set aside money to care for his adult autistic son, who currently lives in a group home. What's the best way for him to save and plan financially for his son's future care after he's gone?I'm 70, working full-time, and receiving Social Security, but I have no savings. My wife and I have been married for 50 years, but she refuses to save. What guidance can you offer for improving our financial situation at this stage in life?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Timothy Plan's Israel Common Values Mutual FundWisdom 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) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Cooper Vaughan didn't plan on being a caterer—he was trying not to be.But what started as a side gig in Lexington, Kentucky, turned into Apiary: one of the most creative and complex hospitality companies in the South. And the key to its success? Reinvention. From fine dining drop-offs during the pandemic to immersive, ticketed culinary experiences that fund a wildly profitable event business, Cooper has found the sweet spot between margin and magic.In this episode, we break down how he scaled a brand that's both financially stable and creatively fulfilling, why most caterers are sitting on unrealized gold, and how personal transformation—spiritual and strategic—became the fuel for business evolution.This isn't just about making money off weddings. It's about turning a redheaded stepchild of the industry into a platform for deep connection, artistry, and long-term impact.To learn more about Apiary and explore their work, visit https://www.the-apiary.com/.____________________________________________________________Full Comp is brought to you by Yelp for Restaurants: In July 2020, a few hundred employees formed Yelp for Restaurants. Our goal is to build tools that help restaurateurs do more with limited time.We have a lot more content coming your way! Be sure to check out our other content:Yelp for Restaurants PodcastsRestaurant expert videos & webinars

"Don't fall more in love with the call then with Jesus, the caller." "If you don't have time to look forward to what is coming up, or celebrate what has happened, you're too busy." "Without margin, you can't make sense of things." "It's a joy to know that God is at work even when we are not - it doesn't all depend on us, like grace, we experience God's work aside from ours." READ POST: https://www.timpriceblog.com/margin-rhythm-vision-grace/READ EBOOKS: https://www.timpriceblog.com/product-category/e-books/

AP correspondent Ben Thomas reports Democrats are looking to California to counter Republican moves in Texas to bolster their position in the U.S. House.

Guardians can still make playoffs, but no margin for error + CJ Kayfus or Browns quarterbacks? full 992 Mon, 04 Aug 2025 13:36:40 +0000 dizw3eJfmDwBAqphQCYF8nxXXoZM7gwx nfl,mlb,cleveland browns,cleveland guardians,sports The Ken Carman Show with Anthony Lima nfl,mlb,cleveland browns,cleveland guardians,sports Guardians can still make playoffs, but no margin for error + CJ Kayfus or Browns quarterbacks? The only place to talk about the Cleveland sports scene is with Ken Carman and Anthony Lima. The two guide listeners through the ups and downs of being a fan of the Browns, Cavaliers, Guardians and Ohio State Buckeyes in Northeast Ohio. They'll help you stay informed with breaking news, game coverage, and interviews with top personalities.Catch The Ken Carman Show with Anthony Lima live Monday through Friday (6 a.m. - 10 a.m ET) on 92.3 The Fan, the exclusive audio home of the Browns, or on the Audacy app. For more, follow the show on X @KenCarmanShow. 2024 © 2021 Audacy, Inc. Sports False

[Join our community at my Substack where we continue these conversations with deeper dives into the biggest lessons from each episode, plus my regular essays and behind-the-scenes thoughts: https://bogumilbaranowski.substack.com/]Today's guest: Monsoon Pabrai is the managing partner of Drew Investment Management, who combines generational wisdom from legendary investors like her father, Mohnish Pabrai, Charlie Munger, and Guy Spier, with her own distinctive approach to global value investing, particularly in India's emerging markets.EPISODE NOTES3:00 - Childhood shaped by entrepreneurship over money talk; Chipotle visits became business lessons on cost optimization and operational efficiency6:00 - At age 12, attended legendary Warren Buffett lunch with Guy Spier; Buffett's advice: "most important decision is who you marry"9:00 - Learning temperament from father during 9+ years without collecting fees; "I've never seen him have a bad day at all"12:00 - KEY INSIGHT: American Express COVID opportunity - when travel stopped, 60 cents per dollar usually spent on customer retention became massive float for capital allocation15:00 - March 2020 market crash: colleagues broke emotionally, sold at bottom despite decades of experience18:00 - Guy Spier as "uncle figure" - long-term compounder philosophy of buying quality and never selling27:00 - Investment process: random idea generation through travel, conferences, Value Line screening, then rigorous 4-part analysis framework35:00 - Four investment criteria: 1) Good business quality 2) Margin of safety 3) Capital allocation 4) Alignment of interests (crucial for emerging markets)42:00 - AI revolution transforming research speed: "NotebookLM can read a 10K faster than me"47:00 - India investing: 60-70% of 3,000+ listed companies "untouchable" due to fraud risk, but incredible opportunities exist with proper network53:00 - Dakshana foundation: educating underprivileged students for IIT entrance (1.3% acceptance rate); "most motivating people I've ever met"Podcast Program – Disclosure StatementBlue Infinitas Capital, LLC is a registered investment adviser and the opinions expressed by the Firm's employees and podcast guests on this show are their own and do not reflect the opinions of Blue Infinitas Capital, LLC. All statements and opinions expressed are based upon information considered reliable although it should not be relied upon as such. Any statements or opinions are subject to change without notice.Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed.Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

Margin is “The space that once existed between ourselves and our limits.” When we reach the limits of our resources and abilities, we are out of margin. Former Probe staffer Lou Whitworth reviews a very important book by Dr. Richard Swenson, Margin: How to Create the Emotional, Physical, Financial, and Time Reserves You Need.

Are you running on empty? In a world that celebrates hustle, many of us live with no room to breathe—no margin in our schedules, budgets, emotions, or spiritual lives. In this practical and powerful series, Margin: Making Space for What Matters, we'll learn how to create healthy space in four key areas: time, finances, emotions, and faith. God never meant for us to live maxed out and burnt out. When we build margin into our lives, we make room for rest, generosity, peace, and deeper connection with God and others. Discover how less stress and more space can actually lead to more purpose.

In this episode of the All About Nothing podcast, host Barrett Gruber welcomes Dr. Michael Orkin, a statistician and author of 'The Story of Chance: Beyond the Margin of Error.' They discuss various topics including the nature of probability, the intersection of statistics and gambling, and the impact of misinformation on public health, particularly regarding vaccines. Dr. Orkin shares his journey in the field of statistics, his consulting experiences, and insights into games of skill versus chance. The conversation also touches on humorous anecdotes, the significance of data in decision-making, and the role of luck in gambling and lotteries.Webpage | Dr. Michael Orkin PhD.Substack | The Neutral ZoneLinkedIn | Dr. Michael Orkin, PhD.Amazon Link: "The Story of Chance: Beyond the Margin of Error"Barrett Gruber | LinktreeThe All About Nothing: Podcast | LinktreeClick here for Episode Show Notes!Click Here to see available advertising packages!Click Here for information on the "Fair Use Copyright Notice" for this podcast.Mentioned in this episode:Everplay Sports and Social Fall 2025 Leagues!Visit EverplaySocial.com for all of the details and registration for the upcoming Fall 2025 Schedule! Register by August 21st!Everplay Sports & Social LeagueZJZ Designs - Small BusinessCheck out ZJZ Designs for the best and most original designs in apparel and gifts! ZJZ Designs2025 SodaCity Headliners 20250623The 2025 Soda City Comic Con is coming, August 23 and 24 at the Columbia Metro Convention Center! Check https://sodacitycomiccon.com for tickets and details!Soda City Comic ConBIG Media LLC Copyright 2025This Podcast is a product of BIG Media LLC and Copyright 2025 Visit https://barrettgruber.com for more from BIG Media LLC!BIG Media LLC

When it comes to money, most people are searching for two things: security and peace of mind. That's understandable—life is unpredictable, expenses arise, and markets swing. But what if true peace isn't found in your circumstances at all?Financial wisdom doesn't start with a budget or a savings plan. It begins with trust—specifically, trusting in the Lord. Proverbs 3:5–6 reminds us, “Trust in the Lord with all your heart and do not lean on your own understanding. In all your ways acknowledge Him, and He will make straight your paths.”If you chase peace through your paycheck or portfolio, you'll always come up short. But when Christ is your foundation, you begin to see money in a new light—not as a source of peace, but as a tool to steward.Five Secrets to Financial Wisdom from God's Word1. Know Who Owns It All. Psalm 24:1 says, “The earth is the Lord's, and everything in it.” Everything belongs to God—your income, your retirement, even your ability to earn. That means we're not owners; we're stewards, entrusted with God's resources to manage faithfully.2. Spend With Purpose. Jesus asks in Luke 16:11, “If you have not been trustworthy in handling worldly wealth, who will trust you with true riches?” Spending should reflect God's priorities—giving, saving, living within your means, and investing in eternal impact.3. Avoid the Slavery of Debt. Proverbs 22:7 warns, “The borrower is slave to the lender.” Debt can limit your freedom to give and respond to God's calling. Wise stewards build margin and pursue freedom—not because debt is always wrong, but because freedom is better.4. Save With Perspective. Proverbs 21:20 says, “The wise store up choice food and olive oil, but fools gulp theirs down.” Saving isn't about hoarding; it's preparation for what God might have ahead. But remember: your security isn't in your savings—it's in the Savior.5. Give First, and Freely. 2 Corinthians 9:7 tells us, “God loves a cheerful giver.” Generosity reflects God's heart. It breaks the grip of greed and aligns us with His Kingdom. When we give, we declare, “God, I trust You more than I trust this money.”Anchored in ChristFollowing these biblical principles won't guarantee worldly success. Even the most faithful stewards face trials. But when your foundation is Christ, you're anchored. Isaiah 33:6 says, “He will be the sure foundation for your times, a rich store of salvation and wisdom and knowledge.”So if you're looking for security or peace, don't start with a spreadsheet—start with surrender. Financial wisdom begins when you recognize that your Provider is also your Redeemer. And in Him, you have more than enough.On Today's Program, Rob Answers Listener Questions:My deceased friend's estate is in probate, and he owned an LLC registered in another state. I've been told that if a new manager isn't appointed, the LLC will be considered closed after 90 days. Once my friend's family receives the letters of instruction, how should they go about settling or managing the LLC?I'm struggling financially and can't make this month's mortgage payment. My lender has offered two options: a repayment plan and a forbearance. What's the difference between them, and how will each option affect my credit score?My husband is switching jobs, and his current 401(k) has a balance of less than $500. His new employer doesn't offer a retirement plan. What are our best options for what to do with this small amount?My son is thinking about filing for bankruptcy, but still hopes to buy a house sometime in the future. How will bankruptcy impact his credit, and realistically, how long will it take for him to be able to qualify for a mortgage again?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)The Sound Mind Investing Handbook: A Step-by-Step Guide to Managing Your Money From a Biblical Perspective by Austin Pryor with Mark BillerWisdom 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) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Jeremy White and Joe DiBiase talk about how much the margin of error in the new NFL measurement system can make a difference in regular season games.

In this episode, Stacey Richter talks with Dr. Stan Schwartz, co-founder of ZERO.health about the tension between mission-driven healthcare and financial incentives within the healthcare system. Highlighting examples like the Comprehensive Primary Care Initiative and other advanced primary care efforts, Schwartz shares insights on how health system economics, particularly the reliance on emergency room admissions, often undermine initiatives aimed at reducing costs and improving patient outcomes.  The discussion delves into the role of employer-sponsored health plans as potential change agents in the healthcare system, given their significant influence over commercially insured patients, who are highly attractive to providers. Dr. Schwartz underscores the importance of aligned financial incentives and collective action among employers to drive meaningful change in healthcare. If you would like to get a copy of the mentinoed personal integrity and “are you in healthcare for the right reasons” policy called the Guiding Principles Policy that Doug Geinzer and Amy Mecham from High Performance Providers put together.please either check your inbox for the newsletter this week that you just got when this show went live and find the link to download or sign up for the newsletter and I will include it again next week on Thursday. === LINKS ===

Boost revenue. Build loyalty. Increase what your business is worth.  That's exactly what Kevin Thornton of JB Warranties unpacks in this can't-miss episode of The Successful Contractor.  Host Bob Houchin sits down with Kevin—VP of Dealer Business Services—for a high-impact conversation full of strategic insights for contractors who want to scale smarter. Kevin explains why warranties aren't just an upsell—they're a business tool that drives profitability, deepens customer relationships, and increases valuation when it's time to sell.  

As the Kansas City Current prepares for a match against Racing Louisville on Friday, the team currently sits miles ahead of the rest of the league in the NWSL standings. How has this team been so successful?

Matt Spiegel and Laurence Holmes were joined by MLB Network insider Jon Morosi to discuss the Cubs' mindset as the trade deadline looms Thursday.

Launching a product on Amazon doesn't have to mean sacrificing all your profit. In this episode of Built by Business, Andy breaks down how to launch on Amazon without giving away 90% of your margin.   Forget the old-school tactics like rebates, steep discounts, and blowout PPC campaigns. You'll learn how to build a high-converting listing, position your product to stand out, and attract real buyers without racing to the bottom on price.   Andy shares a margin-first launch framework that includes strategic bundling, long-tail PPC targeting, and believability-first content that converts even with under 10 reviews.   Whether you're launching your first private label product or rethinking your next product strategy, this episode gives you a profitable roadmap to launch smarter in 2025.   Get a free audit here: www.weavos.io.

$30 Million in HVAC Sales. 78% Close Rate. Population: 75,000. That's Cody Kropp's reality—and he's doing it all in rural Idaho.  In this powerhouse episode of The Successful Contractor, Bob Houchin digs deep with one of the most consistent and impressive closers in the industry. Cody's 15-year journey from oil-change tech to $30M HVAC titan is packed with street-smart wisdom, mindset gold, and killer sales tactics that actually work.  

We may know how to pray with our hearts and minds, but Father Dave welcomes Dr. Ansel Augustine to discuss what it means to put that prayer into action. Dr. Augustine currently serves as the Assistant Director of African American Affairs for the USCCB Secretariat of Cultural Diversity in the Church, and his new book is called, “Praying With Our Feet: Encountering God in the Margins.”

Today's Sports Daily covers NFL margin of victory shows how competitive the league is, the balance of power between the haves and the have nots, more NBA gambling issues, and Scottie Scheffler is making golf unfair.Music written by Bill Conti & Allee Willis (Casablanca Records/Universal Music Group) 

On today's episode, Kyle Grieve discusses the principles of value investing, including how to distinguish between speculation and true investing, the dangers of Wall Street's incentive structures, and the importance of prioritizing downside protection over upside potential. We'll also delve into discipline for value investing, how to develop a margin of safety mindset, and how to build a risk-averse strategy and portfolio. IN THIS EPISODE YOU'LL LEARN: 00:00 - Intro 05:04 - Why most investors speculate rather than invest—and how to tell the difference 11:01 - Why fund managers have structural weaknesses that require them to prioritize the wrong things 13:26 - Why EBITDA can mislead—and how it hides a business's actual condition 16:46 - Why value investors focus more on downside protection than upside potential 18:47 - How to think about margin of safety when constructing a portfolio 31:51 - The three temperamental traits most critical to successful value investing 36:38 - Why value investors hold cash and how they use it as a strategic weapon 44:00 - A detailed breakdown of how Klarman values businesses 20:06 - The major types of value opportunities—and where to find them 1:02:49 - Klarman's perspective on diversification and intelligent position sizing Disclaimer: Slight discrepancies in the timestamps may occur due to podcast platform differences. BOOKS AND RESOURCES Join Clay and a select group of passionate value investors for a retreat in Big Sky, Montana. Learn more ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Join the exclusive ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TIP Mastermind Community⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to engage in meaningful stock investing discussions with Stig, Clay, Kyle, and the other community members. Buy a copy of Margin of Safety here. Follow Kyle on Twitter and LinkedIn. Check out all the books mentioned and discussed in our podcast episodes ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Enjoy ad-free episodes when you subscribe to our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Premium Feed⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. NEW TO THE SHOW? Get smarter about valuing businesses in just a few minutes each week through our newsletter, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Intrinsic Value Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Check out our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠We Study Billionaires Starter Packs⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Follow our official social media accounts: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠X (Twitter)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Browse through all our episodes (complete with transcripts) ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Try our tool for picking stock winners and managing our portfolios: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TIP Finance Tool⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Enjoy exclusive perks from our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠favorite Apps and Services⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn how to better start, manage, and grow your business with the ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠best business podcasts⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. SPONSORS Support our free podcast by supporting our sponsors: SimpleMining Hardblock AnchorWatch Human Rights Foundation Unchained Vanta Shopify Onramp HELP US OUT! Help us reach new listeners by leaving us a ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠rating and review⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Spotify⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! It takes less than 30 seconds, and really helps our show grow, which allows us to bring on even better guests for you all! Thank you – we really appreciate it!⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://theinvestorspodcastnetwork.supportingcast.fm