Podcasts about Margin

Chewy (CHWY) hits a 52-week low after cutting its sales outlook, but Arun Sundaram notes its margin expansion remains intact with record adjusted EBITDA. Dan Geltrude points to strong demand, customer loyalty, and pricing power, while highlighting underappreciated growth in pet healthcare and pharmacy services tied to an aging pet population.======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

What if the secret to a business that actually sets you free has nothing to do with your idea, your hustle, or your vision, and everything to do with a number most entrepreneurs never pay close enough attention to? In this episode of The Happy Hustle Podcast, I sit down with Omar Zenhom, co-founder of the legendary $100 MBA Show podcast and the man behind Webinar Ninja, a SaaS company he built from zero to over 30,000 users and eventually sold in 2024. Omar is an educator turned entrepreneur, the kind of guy who left a decade of teaching to go all in on business, built something real over ten years, and came out the other side financially free and still hungry for the next chapter. His podcast has racked up over 300 million downloads and consistently ranks among the top business shows in more than 30 countries. He's not flashy about it. He's just sharp, honest, and genuinely good at what he does. This episode matters because Omar is one of those rare entrepreneurs who's actually done it. He built, he scaled, he burned the candle, he sold, and now he talks about all of it, including the parts that surprised him. If you're a business owner trying to build something that gives you more freedom, not less, this conversation is going to hit. Here are the biggest lessons from this one. Margins aren't the most important thing in business. They're the only thing. Omar opened with something he says constantly on his own show, and it bears repeating here. If your margins aren't healthy, you can't hire great people, you can't delegate, you can't step back, and you definitely can't build a business that serves your life. He says sixty percent is the floor, and anything below that puts you on life support. Software, digital products, service businesses built on systems, these are the models that get you there. Get the margins right first, then build everything else on top. Stop trying to find a diamond in the rough when it comes to hiring. Omar went looking for the most expensive engineer he could find on Upwork, a former engineering exec at Yahoo, because his software needed someone elite. That one person did in ten hours a week what five cheaper engineers couldn't. You pay for it upfront or you pay for it later in messes, rewrites, and wasted time. The same goes for editors, videographers, anyone whose taste and skill directly affects the quality of what you're putting into the world. One great hire changes everything. Validate before you build. Before Webinar Ninja was a real product, Omar and Nicole pre-sold it. One hundred and fifty spots in 48 hours, just on the promise of a solution four months out. That told them everything. People don't just say they want something when they put actual money down. If you're sitting on a business idea right now and haven't tested whether anyone will pay for it yet, that's the only thing that matters next. Embrace the struggle as part of the deal. Omar grew up watching his Egyptian immigrant parents rebuild their lives from scratch in America. That foundation gave him something money can't buy, a high tolerance for discomfort and a genuinely low floor for what counts as failure. He says his fondest memories from ten years at Webinar Ninja are the hard moments, the fires, the pivots, the times he had no idea how he'd get out of something. That mindset isn't just feel-good advice. It's a practical edge. When you stop treating struggle as a sign something's wrong and start treating it as the job, you get a lot harder to shake. AI is not optional anymore, and using it to figure out how to use it better is the move. Omar is building new software on weekends using Claude and Windsurf, no code, no development team. He's using Claude to write his prompts before he even opens the builder. What used to take years now takes a few weekends. He's clear that the people who are thriving right now aren't just using AI, they're building the habit of reaching for it first, staying curious about its limits, and using it to multiply everything they already do well. If you're still on the fence, he'd tell you that fence is expensive. We also get into what it's actually like to sell a business, the 16 months it took, the emotional whiplash of feeling relief and then feeling lost, the NDA that keeps him from saying the number but also the fact that he blinked twice. Omar and Nicole's story of co-founding a company as husband and wife while staying married is one for the books too, and his 70/10/10/5/5 money formula is the kind of simple framework you'll want to write down. The closing of this episode is one of the most grounding things I've heard in a long time. Omar's billboard isn't a quote. It's a mirror. Because every time he was stuck, every time he hit a wall, the common denominator was him. Not the market, not the economy, not bad timing. Him. And once he stopped running from that and started taking full ownership, everything shifted. That's the energy Omar brings, direct, honest, and genuinely fired up about the game of business and the life you can build through it. If you want more of that, go listen to the full episode at https://caryjack.com/podcastin/ It just might be the reset you didn't know you needed. Connect with Omarhttps://www.facebook.com/ozenhomhttps://www.instagram.com/omarzenhom/https://www.youtube.com/@100mba/videoshttps://x.com/TheOmarZenhomhttps://www.linkedin.com/in/omarzenhom/ Find Omar on this website: https://100mba.net/ Connect with Cary!https://www.instagram.com/caryjack/https://www.facebook.com/SirCaryJackhttps://www.linkedin.com/in/cary-jack-kendzior/https://twitter.com/thehappyhustlehttps://www.youtube.com/channel/UCFDNsD59tLxv2JfEuSsNMOQ/featured Get a copy of his new book, https://www.thehappyhustle.com/book Sign up for The Journey: 10 Days To Become a Happy Hustler Online Course @ https://thehappyhustle.com/thejourney/ Apply to the Montana Mastermind Epic Camping Adventure @ https://thehappyhustle.com/mastermind/ “It's time to Happy Hustle, a blissfully balanced life you love, full of passion, purpose, and positive impact!” Episode Sponsors: If you're feeling stressed, not sleeping great, or your energy's been kinda meh lately—let me put you on to something that's been a total game-changer for me: Magnesium Breakthrough by BiOptimizers. This ain't your average magnesium—it's got all 7 essential forms that your body needs to chill out, sleep deeper, and feel more balanced. I take it every night and legit notice the difference the next day. No more waking up groggy or tossing and turning all night If you're ready to sleep like a baby, calm your nervous system, and optimize your recovery, go grab yours now at https://www.bioptimizers.com/happy and use code HAPPY10 for 10% OFF. =================================================================== My Green Mattress If you've been waking up with back pain, feeling stiff, or just not getting that deep, quality sleep. This might be what you're missing: My Green Mattress. It's made with clean, non-toxic, and eco-friendly materials, so you're not just sleeping better, you're sleeping healthier too. The comfort and support are on another level, and you can really feel the difference night after night. 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Send us Fan MailPrime Day isn't just about massive discounts, it's about margin protection and long-term audience building. In this video, we break down why a "Low-Discount" strategy often yields higher net profit and how to use technical tools like Amazon Marketing Cloud (AMC) and Brand Tailored Promotions to capture sales after the event ends.Get help from My Amazon Guy to grow your Amazon sales. https://bit.ly/4jMZtxu#AmazonPrimeDay #AmazonFBA #AmazonSellers #AmazonPPC #amazonmarketing Want free resources? Dowload our Free Amazon guides here:Amazon Receiving Delay Guide: https://hubs.ly/Q04cdD4c0Amazon Catalog Spring Cleaning: https://hubs.ly/Q046BVfp0Amazon Proft Margin Defense 2026: https://hubs.ly/Q042trRH0Amazon SEO Toolkit 2026: https://bit.ly/4oC2ClTAmazon Seller Strategy Report 2026: https://bit.ly/3YN1RME2026 Ecommerce Website & SEO Readiness Checklist: https://hubs.ly/Q04btghf0Amazon 2026 PPC guide: https://bit.ly/4lF0OYXTimestamps00:00 Should You Actually Discount on Prime Day? 01:21 The "Added to Cart" Secret Tactic 02:54 Why the Account-Wide View is Killing Your Profit 03:55 Testing Campaigns Before the Big Event 04:12 AMC Audience Insights: Building Your Post-Prime Funnel 05:00 Summary & Next Steps for Your Brand-----------------------------------------------------------------------------------------Follow us:LinkedIn: https://www.linkedin.com/company/28605816/Instagram: https://www.instagram.com/stevenpopemag/Pinterest: https://www.pinterest.com/myamazonguys/Twitter: https://twitter.com/myamazonguySubscribe to the My Amazon Guy podcast: https://podcast.myamazonguy.comApple Podcast: https://podcasts.apple.com/us/podcast/my-amazon-guy/id1501974229Spotify: https://open.spotify.com/show/4A5ASHGGfr6s4wWNQIqyVwSupport the show

In this episode of Million Dollar Flip Flops, Rodric sits down with inventor, entrepreneur, coach, musician, and author David Ask for a wide-ranging conversation about business, creativity, and what it really means to build a meaningful life.David shares the story behind inventing the world's first thermostat guard with a combination lock, how that product made its way into thousands of stores, and the mindset required to push through legal battles, self-doubt, and the inevitable chaos of entrepreneurship. He also opens up about the role music plays in his life, why scheduled downtime is so important, and how margin can actually make you more productive.From there, the conversation moves into identity, authenticity, mastermind growth, fatherhood, and how to define success in a way that actually feels peaceful and sustainable.This is an inspiring conversation about creating, building, and becoming the kind of person who can lead with both purpose and margin.In This Episode, You'll LearnHow David turned a simple frustration into a successful inventionWhy the thermostat guard with a combination lock was such a powerful product ideaWhat it takes to push through imposter syndrome and legal challengesWhy entrepreneurs need a “band of brothers” or trusted support systemHow music can fuel creativity, inspiration, and balanceWhy unproductivity can sometimes be the most productive thing you doHow to define success through peace, family, and presenceWhy authenticity starts with understanding who authored youHighlights & Timestamps[00:00] Unproductivity can be productive David opens by explaining why giving yourself margin and space to dream can lead to surprising breakthroughs.[01:00] Meet David Ask David shares his background growing up in Minnesota, moving to Nashville, and building a life filled with business, music, coaching, and creativity.[02:00] The thermostat guard invention He tells the story behind inventing the world's first thermostat guard with a combination lock and how it found success in major retail stores.[03:00] From idea to product David explains how a conversation with his brother-in-law sparked the idea and how they launched the business together.[04:00] The roadblocks of inventing The conversation turns to legal fights, patents, trademarks, and the reality that imposter syndrome can be one of the biggest hurdles.[05:00] Reframing imposter syndrome David shares a mindset shift from Chris Kelso's book, replacing “imposter” with “explorer.”[06:00] Learning the hard way He reflects on the importance of support, coaches, and mastermind groups, and what he wishes he had known earlier.[07:00] The value of one good nugget Rodric and David discuss the ROI of coaches, courses, and masterminds—and how one insight can pay for everything.[08:00] Music as inspiration David explains that he doesn't do music just because he likes music, but because he loves the inspirational effect it has on people.[09:00] Why creativity matters in business He talks about how music, inspiration, and soul all play a role in his entrepreneurial life.[10:00] The importance of scheduled downtime Rodric shares how hobbies and space create clarity, and David agrees that margin can spark great ideas.[11:00] Why busy is not always better They discuss how entrepreneurs sometimes create problems just to solve them, and how hobbies can help reset the mind.[12:00] Unproductivity becomes productive David reflects on sitting under a tree with a legal pad and how quiet moments often lead to the best ideas.[13:00] The question for the next guest David asks the next guest what sets their heart on fire.[14:00] Defining success David shares his definition of success: peace at home, a smiling wife, and children who feel safe and loved.[15:00] Authenticity and identity He introduces a deeper theme from his upcoming book, The Guardians of Grit, centered on identity and authenticity.[16:00] The origin of authenticity David explains that authenticity comes from the word “author,” and invites people to discover who they really are.Notable Quotes“Unproductivity becomes rather productive.” – David Ask “If you replace the word impostor with explorer, you really start to shift your mindset.” – David Ask “Scheduled downtime is the most important time in your business.” – Rodric Lenhart “When you give yourself margin, it's amazing how ideas show up.” – David Ask “My definition of success is peace at home.” – David Ask “The word authenticity comes from the word author.” – David AskConnect with David Ask

Financial Assessment (Meet with an experienced professional):https://bit.ly/PureAssessmentFree Financial Resources in This Episode: https://bit.ly/ymyw-585 (full show notes & episode transcript)Today on Your Money, Your Wealth® podcast number 585, Joe and Big Al spitball for folks who are already winning and thinking about getting fancy with it. Reno in Oregon is 50, and his pension is so big he's not sure how to invest or why he would need to convert to Roth. Michael is considering taking out a half-million-dollar margin loan to juice investment returns. What do the fellas think? Tune in for the surprising debate. Husker Fans just pocketed two million from selling their business here come the product pitches: should they buy annuities, set up a charitable trust, or just swallow the tax? What do the fellas think of whole life insurance? And finally, John and Lib on Waltons Mountain - or rather, the Catskills - aren't sure if they've saved too little or too much. Can they bridge the gap until their pension?Emotionless Investing Guide - free download:https://purefinancial.com/white-papers/emotionless-investing-guide/?utm_source=captivate&utm_medium=podcast&utm_campaign=whitepaper-emotionless-investing-guide&utm_content=ymyw-pod-ep585-description-whitepaperFinancial Blueprint - free, self-guided:https://purefinancial.com/financialblueprint/?utm_source=captivate&utm_medium=podcast&utm_campaign=financial-blueprint&utm_content=ymyw-pod-ep585-description-blueprintRetirement Rebound: 5 Plays to Help You Score a Comeback - YMYW TV:https://purefinancial.com/ymyw/episodes/retirement-rebound-5-plays-help-score-comeback/?utm_source=captivate&utm_medium=podcast&utm_campaign=ymyw-tv&utm_content=ymyw-pod-ep585-description-tv-s10e11REQUEST your Retirement Spitball Analysis:https://bit.ly/AskJoeAndAlDOWNLOAD more free guides:https://bit.ly/PureGuidesREAD financial blogs:https://bit.ly/PureFinBlogWATCH educational videos:https://bit.ly/PureEdVideosSUBSCRIBE to the YMYW Newsletter:https://bit.ly/YMYWNewsletterConnect With Us:Subscribe on YouTube and join the conversation in the comments:https://bit.ly/YMYW-YTSubscribe or follow YMYW in your favorite podcast app:https://lnk.to/ymywLeave your honest reviews and ratings in Apple Podcasts:https://podcasts.apple.com/us/podcast/your-money-your-wealth/id312900254Chapters: 00:00 - Intro: This Week on the YMYW Podcast00:58 - How Should a Pension-Rich 50-Year-Old Invest? Should They Even Bother with Roth Conversions? (Reno, OR)10:30 - Should I Borrow $500K in a Margin Loan to Invest? (Michael, VA)23:01 - We're Getting $2M From Selling the Business. Annuity, Charitable Trust, or Bite the Tax? What About Whole Life Insurance? (Husker Fans, Nebraska)34:14 - Can a Frugal Mountain Couple Bridge the Gap to a $60K Pension? (John & Lib, NY Catskills)41:13 - Outro: Next Week on the YMYW Podcast

How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Most contractors who track their gross margin are still getting it wrong. Not because they are doing anything dishonest. Because the way their accounting is set up does not match the economic reality of their business.In this episode Steve walks through exactly how this happens, which costs are consistently misclassified and why it matters way beyond just the margin number itself. If your gross margin is wrong, your bids are wrong, your strategy is wrong, and your cashflow problems make a lot more sense._______________________________________Disclaimer:The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information.LinkedIn | YouTube coltivar.com

Listen back to how 3AW Football reacted to Fremantle's 124-point win over North Melbourne at Hands Oval. See omnystudio.com/listener for privacy information.

Is the U.S. economy heading toward stability, or just navigating a new kind of volatility?In this episode of Around the Horn in Wholesale Distribution, Kevin Brown and Tom Burton are joined by Taylor St. Germain, Senior Economist at ITR Economics, to unpack the forces reshaping wholesale distribution and manufacturing. From interest rate uncertainty and tariff refund chaos to AI adoption gaps and “profitless prosperity,” this conversation connects macroeconomic signals directly to distributor margin strategy, capital investment decisions, and long-term growth planning.What You'll Learn:Why the current economy feels like a “tale of two economies”, and how income distribution impacts demand across B2B marketsWhat the Federal Reserve is really watching (core inflation vs. trimmed mean metrics) and how rate decisions could affect CapEx, M&A, and working capitalHow tariff policy, Section 301 and 232 rulings, and refund uncertainty are influencing distributor pricing strategy and customer relationshipsWhat “profitless prosperity” means for 2026 and 2027, and how to protect margins during growth at a higher costWhy most AI initiatives in wholesale distribution are still efficiency plays—and what separates hype from scalable, repeatable AI-driven business processesEpisode Highlights:03:30 – Inside ITR Economics: forecasting accuracy, leading indicators, and preparing for downturns11:45 – May jobs report surprises: what strong hiring means for inflation and rate decisions14:20 – Interest rate outlook: hold, cut, or increase—and why energy prices complicate the Fed's move30:18 – Tariff escalation, Section 301 and 232 policies, and the ripple effect across distributors41:03 – Tariff refunds: unintended consequences for margins, pricing transparency, and customer trust58:26 – AI adoption in wholesale distribution: efficiency gains vs. true strategic transformation1:16:35 – “Growth at a higher cost”: how to navigate labor inflation, electricity costs, reshoring, and fiscal pressureMeet the Guest:Taylor St. Germain is a Senior Economist and Business Consultant at ITR Economics. He delivers economic keynotes nationwide and helps manufacturers and distributors identify leading indicators, forecast demand, and prepare for economic cycles with a 94.7% forecasting accuracy standard.Tools, Frameworks, and Strategies Mentioned:ITR Economics leading indicator forecasting modelsWeekly GDP tracking vs. lagging government metricsTrimmed mean inflation vs. core CPIEnterprise Growth Platform by LeadSmart TechnologiesAI-driven margin protection and data unification strategiesClosing Insight:“We are very optimistic about growth, but it's growth at a higher cost.”The second half of the decade presents opportunities for wholesale distributors and manufacturers, but only for those who actively manage labor inflation, tariff exposure, electricity costs, and AI investment discipline. Growth is not the question. Margin strategy is.Leave a Review: Help us grow by sharing your thoughts on the show.Learn more about the LeadSmart AI B2B Sales Platform: https://www.leadsmarttech.com/Join the conversation each week on LinkedIn Live.Want even more insight to the stories we discuss each week? Subscribe to the Around The Horn Newsletter.You can also hear the podcast and other excellent content on our YouTube Channel.Follow us on Facebook, Twitter, Instagram, or TikTok.

Where is the money coming from that is fueling this technology rally? No one knows for certain, but there are some concerning signs that suggest many investors may not have the cash to support their positions and are instead relying on borrowed money to drive the rally higher. One metric we continue to monitor closely is margin debt, a potentially dangerous tool that has now reached record levels. Margin debt hit a record $1.304 trillion in April, an increase of 6.8% from the previous month. On a year-over-year basis, margin debt surged 53.3%, highlighting the growing use of leverage in the market. Looking at US margin debt as a percent of real GDP, it just hit 5.2%. According to FINRA data that is an all-time high and during the dot-com era it was around 2% - 3%. The risk with margin debt is that when stock prices decline, investors may receive a margin call requiring them to deposit additional funds into their accounts. If they are unable to meet that requirement, their broker can automatically liquidate positions to cover the shortfall. While margin rules vary based on several factors, you could be in hot water if your equity drops more than 25%. With margin debt at such elevated levels, even a modest setback in the semiconductor or broader technology sector could trigger a chain reaction of forced selling as investors scramble to meet margin calls. Some investors may choose to exit positions before receiving a margin call, particularly if they become uncomfortable with the amount of leverage they have assumed. In those situations, emotions can accelerate selling pressure and amplify market volatility. Technology and semiconductor stocks are already trading at elevated valuations. Adding substantial amounts of borrowed money to an already expensive market increases the risks and leaves investors vulnerable if market sentiment shifts.   Car Sales Are Down, and I Think That's a Good Thing In 2019, consumers in the United States were buying roughly 17 million cars and trucks each year. This year, vehicle sales are expected to reach only about 16 million. Many consumers complain that new-car prices are simply too high, with the average new vehicle now costing around $50,000. Currently, only about 25% of new vehicles sold in the U.S. are priced between $25,000 and $35,000. I believe this trend is actually a positive development. For too many years, automakers focused on producing as many vehicles as possible in an effort to gain market share. In the long run, this proved to be a poor business strategy. Over the years, several manufacturers required government bailouts, while others filed for bankruptcy, hurting shareholders, creditors, employees, and communities. Of course, consumers benefited from this excess production. They could often find heavily discounted vehicles, generous incentives, and large rebates. However, those deals were frequently the result of an unsustainable business model. Today, automakers, led by executives such as Mary Barra of General Motors, have adopted a different approach. Rather than producing excess inventory simply to increase market share, they are focusing on profitability and financial discipline. What a novel idea for a business. Ultimately, making a profit is the primary objective of any business. Consumers have already begun adapting to higher vehicle costs. The average age of cars on U.S. roads has climbed to 13 years, up from less than six years in 1970, reflecting a growing tendency to hold onto vehicles longer. As a result, many consumers may need to take better care of their cars and keep them in service for more years, a choice that is often financially prudent anyway. Others may increasingly turn to high-quality used vehicles rather than purchasing new ones. The industry's renewed commitment to profitability has also made some automakers more attractive investments. Strong cash flow, healthier balance sheets, and improved earnings have created value for shareholders while helping companies avoid the financial distress that plagued the industry in the past. I do not expect this trend to change anytime soon, and in my view, that is a good thing.   The May jobs report delivered another reminder that the U.S. economy remains on solid footing Employers added 172,000 jobs in May, well above expectations of 80,000, and the broader trend is becoming increasingly encouraging. Over the last three months, job growth has seen gains of 214k, 179k, and now 172k in May, an improvement from the pace we've seen really since the beginning of 2025. Rather than slowing, the labor market appears to be finding a sustainable rhythm that balances continued hiring with moderating inflation pressures. One of the most notable areas of strength continues to be hospitality and leisure. The sector added 70k jobs in May, reflecting resilient consumer spending on travel, restaurants, entertainment, and experiences. Despite concerns that higher interest rates would weigh heavily on discretionary spending, Americans continue to spend on services, supporting employment growth across hotels, restaurants, and tourism-related businesses. Perhaps the most important takeaway for investors and policymakers is what we're seeing in wages. Average hourly earnings rose 0.3% in May and are up 3.4% over the past year. That may be close to the sweet spot for the economy. Wage growth is strong enough to support rising household incomes and consumer spending, but not so strong that it creates significant inflationary pressure. For much of the post-pandemic period, policymakers worried that rapid wage gains could fuel a wage-price spiral. Today's data suggests something different: workers are still seeing real income growth while wage inflation has moderated to a level more consistent with long-term price stability. Taken together, the report paints a picture of an economy that remains healthy. Hiring is outperforming expectations, hospitality demand remains robust, unemployment remains low, and wage growth is providing support to consumers without reigniting inflation concerns. That's about as close to a "soft landing" as policymakers could have hoped for a year ago.   Financial Planning: Return on Homeownership Homeownership is often viewed as a superior financial decision, while renting is frequently considered "throwing money away." However, the comparison is more nuanced. A $1 million home in San Diego may rent for approximately $4,000 per month, while owning that same home could cost about $7,000 per month after a $200,000 down payment when the mortgage, property taxes, insurance, and maintenance are included. Even after accounting for estimated tax benefits of $1,000 per month and approximately $750 per month of equity from the principal reduction of the mortgage, the effective cost of ownership would still be about $5,250 per month. In addition, the down payment represents capital that could otherwise be invested and generate returns. When the higher cost of ownership and the opportunity cost of the down payment are considered together, the home would need to appreciate by about 3.5% annually just to produce the same financial outcome as renting and investing the difference. While homeownership offers benefits such as stability, control, and a fixed payment, future home price growth is likely to be much more modest than it was during the low-interest-rate environment of the past decade with many experts projecting between 2% and 3% per year. As a result, neither renting nor owning is inherently the better financial choice. Both can be effective strategies depending on an individual's goals, time horizon, lifestyle preferences, and overall financial circumstances.   Companies Discussed: Boston Scientific Corporation (BSX), Marvell Technology, Inc. (MRVL), The Western Union Company (WU) & AutoZone, Inc. (AZO)

In this episode, Linda McKissack and Dana Gentry explore two transformative principles from Chris Hodges' Legacy Letters: margin and compounding. They discuss how living without margin—whether in time, energy, finances, or attention—often leads to stress, burnout, and reactive decision-making, while intentional space creates room for wisdom, creativity, and healthier relationships. They also examine the compounding principle, emphasizing that meaningful success is rarely the result of dramatic breakthroughs but rather the accumulation of small, consistent actions over time. 

We conclude the series STORIES FROM THE MARGIN by considering God's passion, care and provision for the refugee. We also hear from Alliance about his own journey - personally and for the organization More Than Welcome. www.thevineaustin.org Zechariah 7:8-14

Chuck Hartle, parts expert and founder of PartsEdge is back with a special episode: a replay of the hugely popular webinar covering parts pricing strategies—all about how your dealership's matrix and source structure within the DMS directly affect your margins and control. Chuck breaks down the steps to truly review your pricing foundation, shares real examples from over 300 dealerships, and exposes common pitfalls that are quietly shrinking your profits.From reviewing your price matrix and recognizing when manufacturers “matrix you” to updating overlooked menu-priced items, this episode is packed with real-world insights that parts managers can take action on today. The conversation covers reporting musts, what to tweak and how, debunks pricing myths, and delivers gritty, optimistic advice for running a lean, high-performance parts department.If you're a fixed ops leader or dealership manager looking to turn inventory faster, reduce obsolescence, and stop guessing when it comes to pricing, this replay is your co-pilot.--------------------------------------------This show is powered by PartsEdge: Your go-to solution for transforming dealership parts inventory into a powerhouse of profitability. Our strategies are proven to amp up parts sales by a whopping 20%, all while cutting down on idle inventory. If you're looking to optimize your parts management, visit

This Week In Startups is made possible by:Render - render.com/twistDeel - deel.com/twistNorthwest Registered Agent - northwestregisteredagent.com/twistToday's show:The "Ryanair of drone delivery" just raised $50 million and plans to bring its technology from Europe to the United States. Manna founder Bobby Healy explains to TWiST how his Dublin-based company completed 300,000 deliveries while some rivals are still publishing blog posts, and why low-cost airline economics will decide who wins the autonomous skies.Sticking to the drone theme, TWiST welcomed Theseus co-founder Ian Laffey, who called in from Kyiv to tell us about his company's drone guidance system. It runs off a simple camera and Google Maps. The technology could rewrite the modern, GPS-jammed battlefield, and bring more firepower to smaller nations fending off larger foes.Guest Links:Manna https://www.manna.aeroBobby Healy https://www.linkedin.com/in/bhealy/Manna funding announcement https://www.manna.aero/blog/series-bTheseus https://www.theseus.us/Ian Laffey https://www.linkedin.com/in/ilaffey2/Most recent Theseus funding announcement https://techcrunch.com/2025/04/17/defense-tech-theseus-landed-y-combinator-the-us-special-forces-and-4-3m-from-a-tweet/The tweet that kickstarted Theseus: https://x.com/ilaffey2/status/1759353732075294766Timestamps:0:00 Bobby Healy of Manna joins TWiST1:41 How a Manna base works: drones migrate around the city like Waymos7:18 Battle-hardened in Irish weather: 97% uptime in wind and rain8:52 Margin-positive economics & the path to $0.20 per delivery9:25 Northwest Registered Agent: Get more when you start your business with Northwest. In 10 clicks and 10 minutes, you can form your company and walk away with a real business identity — Learn more at https://northwestregisteredagent.com/twist12:32 $50M Series B vs competitors raising $600–800M19:51 Deel - Founders scale faster on Deel. Set up payroll for any country in minutes, hire anyone anywhere, get visas handled fast, and get back to building. Visit https://deel.com/twist to learn more.22:53 The peer-to-peer drone future and hyper-local commerce25:46 Growing from 170 to 570 people and moving manufacturing to Oklahoma28:43 Ian Laffey of Theseus joins TWIST29:57 Render: Find out why 5 million developers are already using the all-in-one cloud platform, Render. Go to https://render.com/twist and apply for the Render Startup Program to get $500-$100,000 in free credits, depending on your stage and backers.30:58 Inside Ukraine's drone industry: front-line iteration and free-market speed33:55 How GPS gets jammed across the spectrum35:10 Theseus's approach: cameras + satellite maps + ML37:04 The product: Raspberry Pi, SD card, camera — pretending to be GPS49:02 Ukraine: 6–8M drones a year. The US: 300K over two years.51:17 Are US drone primes actually reconstituting the supply chain?58:22 Y Combinator as a defense tech accelerator59:40 "Pick an issue and start working as hard as you can towards it"Subscribe to the TWiST500 newsletter: https://ticker.thisweekinstartups.comCheck out the TWIST500: https://www.twist500.comSubscribe to This Week in Startups on Apple: https://rb.gy/v19fcpFollow Lon:X: https://x.com/lonsFollow Alex:X: https://x.com/alexLinkedIn: ⁠https://www.linkedin.com/in/alexwilhelmFollow Jason:X: https://twitter.com/JasonLinkedIn: https://www.linkedin.com/in/jasoncalacanisCheck out all our partner offers: https://partners.launch.co/Great TWIST interviews: Will Guidara, Eoghan McCabe, Steve Huffman, Brian Chesky, Bob Moesta, Aaron Levie, Sophia Amoruso, Reid Hoffman, Frank Slootman, Billy McFarlandCheck out Jason's suite of newsletters: https://substack.com/@calacanisFollow TWiST:Twitter: https://twitter.com/TWiStartupsYouTube: https://www.youtube.com/thisweekinInstagram: https://www.instagram.com/thisweekinstartupsTikTok: https://www.tiktok.com/@thisweekinstartupsSubstack: https://twistartups.substack.com

Today's show features: - Kenneth Criscione, Finance Manager at Harte Auto Group - Rich Stazzone, Director of Business Development at Highstreet Automotive - Mike Keese, Agency President at Highstreet Automotive - Dana Wines, Director of Training at WE Auto - Valerie Niedermeier, Director of Community Relations at WE Auto This episode is brought to you by: OPENLANE – OPENLANE brings easy, intelligent digital wholesale to dealers across the country, and was once again voted the most preferred digital wholesale marketplace by dealers. If you've never used OPENLANE before, or it's been a while since you have, you're eligible to earn up to $2,500 in buy or sale fee credits. Learn more at https://openlane.com/cdg. Highstreet Automotive – Highstreet Automotive specializes in insurance solutions for automotive dealerships, working with operators across the country to help manage risk, control costs and protect long-term profitability. Explore solutions at https://carguymedia.com/432QKkG Check out Car Dealership Guy's stuff: CDG Circles ➤ https://cdgcircles.com/ CDG News ➤ https://news.dealershipguy.com/ CDG Jobs ➤ https://jobs.dealershipguy.com/ CDG Recruiting ➤ https://www.cdgrecruiting.com/ My Socials: X ➤ ⁠https://www.twitter.com/GuyDealership⁠ Instagram ➤ ⁠https://www.instagram.com/cardealershipguy/⁠ TikTok ➤ ⁠https://www.tiktok.com/@guydealership⁠ LinkedIn ➤⁠ https://www.linkedin.com/company/cardealershipguy/⁠ Threads ➤ ⁠https://www.threads.net/@cardealershipguy⁠ Facebook ➤⁠ https://www.facebook.com/profile.php?id=100077402857683⁠ Everything else ➤ dealershipguy.com

Most people are not victims of the economy. They are victims of the lives and businesses they built with no margin. In this episode, Blaine makes the case that uncertainty does not usually create fragility. It reveals it. Whether it is rising oil prices, conflict in the Middle East, inflation, slow appraisal volume, higher costs, technology disruption, or pressure from lenders and AMCs, the lesson is the same: weak systems get exposed when pressure rises. Blaine breaks down the different kinds of margin every appraiser and business owner should be building, including financial margin, pricing margin, client margin, non lender margin, time margin, emotional margin, physical margin, skill margin, reputation margin, relational margin, asset margin, inflation margin, and spiritual margin. This is not about fear. It is about preparation. A real business should be able to take a punch. It should have reserves, relationships, reputation, pricing power, and options. For appraisers, that means building beyond lender dependency and creating a stronger moat through private work, authority, content, better clients, and diversified revenue sources. If one bad month, one lost client, one market shift, or one unexpected expense can wreck your business, this episode is a wakeup call. The crisis did not break you. It revealed where you had no margin.

HIMS: Get personalized and affordable care for Hair Loss, ED, Weight Loss, and more at https://Hims.com/ICEDAirbnb: Find a co-host at https://airbnb.com/hostGusto: Try Gusto for FREE for 3 months at https://gusto.com/ICEDShopify: Sign up for a $1 per month trial period at https://shopify.com/ichFollow Chris Camillo Here:  @DumbMoneyLive  Sign up for our new website to be an early user! http://www.extradollar.com/ Apply for The Index Membership: https://entertheindex.com/ Timestamps: 00:00:00 - Intro 00:01:01 - $8-Figure Trades & His $5.5M Single-Day Win 00:05:34 - The Three Waves of the AI Super Cycle 00:07:34 - Trimming Bloom, Loading Up on Amazon (4 Ways It Wins) 00:12:50 - HIMS Sponsor / Robinhood as the Other Conviction Pick 00:17:54 - Margin, Dry Powder & Pressing Into Drawdowns 00:20:44 - The Coconut Water Trade He Missed (Vita Coco) 00:22:46 - Sweet Green Wraps: The Next Social Arb Play 00:25:32 - Moving Markets with Tweets & His Ethics Rule 00:28:44 - SanDisk, Memory Chips & "Trade of a Lifetime" 00:31:02 - Airbnb Sponsor / How the Average Person Should Invest in 2026 00:34:42 - What Counts as a "Risk Asset" 00:37:02 - Gusto Sponsor / The Time His Portfolio Was Down 70% 00:41:05 - Michael Burry & the Bear Case Rebuttal 00:44:57 - Treasury Yields, Layoff Risk & Why AI Trumps the Fed 00:49:22 - Ken Griffin Just Realized What's Coming 00:52:25 - Anyone Can Now Operate Like a Hedge Fund 00:54:40 - Shopify Sponsor / The $500K-a-Year AI Implementer Path 01:00:20 - Bill Perkins Rebuilds a Website in 45 Minutes 01:03:40 - Why Podcasting Survives the AI Wave 01:08:00 - Spotting AI Content & The Rise of Live Events 01:10:53 - The Swatch x AP Frenzy (And Why He's Not Heavy in the Stock) 01:18:10 - Pokémon, Manga & The Collectibles Arbitrage 01:24:18 - Most Controversial Investing Philosophy & The SpaceX Mistake 01:28:35 - Why Anthropic Wins + His Bitcoin Take 01:30:57 - Best Founders: Andy Jassy & Amazon's AI Catch-Up 01:33:25 - Elon vs. OpenAI: Why He Saw the Loss Coming 01:35:36 - Advice to His Kids: Skip College, Travel, Build Relationships 01:40:54 - Why Chasing Bigger Numbers Doesn't Make You Happy 01:44:48 - When Does More Money Stop Mattering? Flying Private & Disconnecting 01:49:31 - Foundations Over Trust Funds & MrBeast in Ghana 01:55:34 - Portfolio Review: Jack's Account (8/10) 01:59:39 - Portfolio Review: Graham's Account (6.5/10) 02:04:44 - Tier List: Amazon, Apple, Bloom, GameStop & The Bitcoin Debate 02:08:38 - Tier List: Nvidia, Robinhood, Sweet Green, MicroStrategy 02:11:05 - Tier List: TQQQ, Tesla, Microsoft 02:13:52 - Tier List: Lululemon, Meta, Palantir, Swatch & Wrap-Up *

The Vine continues in our series STORIES FROM THE MARGIN with a beautiful passage in Acts 8. In this story, we discover how the Spirit of God moves to the margin so that an Ethiopian Eunuch can experience God's sacred nearness in spite of prescribed religious exclusion. Acts 8:26-39 REFLECTION QUESTIONS: 1. What about the sermon was encouraging, confusing, or challenging? 2. Read the story (Acts 8:26-39) in its entirety. What do you notice? 3. Was this man marginalized? If so, in what ways? 4. What do you see the Holy Spirit doing in this story? 5. In what ways does Philip give us a helpful example of how to share the Gospel? 6. The Book of Acts tells the story of how the movement of Jesus' Kingdom was breaking out of norms, expectations, and religious boundaries. How do you see that in this story? 7. What did you take from the testimony shared on Sunday? 8. What is one way you can follow the example of Philip? What is one way you can follow the example of the eunuch? Spend time in prayer - for those who feel shut out of God's church, presence, or community. Ask for the Spirit to send us to walk with, read with, and share the Good News of Jesus.

In today's FittBite, we map the real cost chain behind a sportswear product.A factory quote is only the starting point. Landed cost, development recovery, logistics, selling costs, and discount risk all shape the final margin, and if these numbers are not checked early, the product can look profitable on paper while becoming tight in reality.Tune in to protect your numbers before bulk.Book a 1 on 1 with our host, Shadi for personalized advice on how to create and grow your fashion business: https://www.fittdesign.com/services/consultationDesign your own collection with our instantly downloadable factory ready tech pack templates:  FittDesign Tech Pack TemplatesFollow our host on instagram:https://www.instagram.com/shadiadada/https://www.instagram.com/fittdesign/Got any other questions, email us for an instant response at:studio@fittdesign.comSubscribe to our weekly fashion design podcast (New episodes every Thursday at 4pm CST): https://podcasts.apple.com/gb/podcast/the-fittdesign-podcast/id1454410683Visit our website:https://www.fittdesign.com/Follow us on:https://www.linkedin.com/company/fittdesign/https://www.facebook.com/fittdesignhttps://www.pinterest.com/fittdesign/https://www.behance.net/fittdesign...

Moses could get Israel to the Promised Land, but he couldn't get them in. To cross the Jordan, Israel needed a new leader with a familiar name: Joshua. Discover why the transition from the Law to Grace is the only way to claim your divine inheritance. Summary: In this episode, we study the Book of Joshua. We move beyond the battles and the trumpets to find the deep spiritual transformation required to stop wandering and start inheriting. Filling the Shoes of a Giant: We analyze the transition from Moses to Joshua—and from Peter to Jesus—exploring how God stays with the successor just as He was with the predecessor. Crossing the Jordan: We look at the "dry ground" miracle at the Jordan River and how the priests had to step into the water before it parted. Strange Strategies: We discuss the "foolish" tactics used at Jericho. Why does God ask us to do small and simple things—like family prayer or scripture study—that seem unrelated to the "walls" we are trying to bring down? The Valley of Achor: We look at the cautionary tale of Achan and how "one man's sin" can affect an entire community, and how God turns our "valleys of trouble" into "doors of hope." Choose You This Day: We conclude with Joshua's final plea at Shechem. We learn that our obedience lasts only as long as our memory, and why we must choose—every single day—whom we will serve. Call-to-Action: Joshua told the people that the stones of the altar had "heard" their promises. What "witnesses" have you set up in your life to remind you of your covenants? Share your thoughts in the comments! To keep your faith "Unshaken" as we enter the era of the Judges, please like, subscribe, and share this video. Chapter Timestamps: 0:00 Introduction 5:31 Joshua, filling shoes 16:37 Preparing for the Promised Land 34:05 Rahab in Jericho 53:34 Crossing the Jordan River 1:08:02 Magnifying, Memorializing, and Renewing Covenants 1:30:19 The Battle of Jericho 1:46:45 Achan the Accursed 2:19:53 The Battle of Ai 2:25:42 The Gibeonites' Trick 2:37:11 God Fighting Battles & Lengthening Days 2:53:11 The Conquest Continues & Caleb Stakes a Claim 3:10:28 Inheritances in Israel 3:30:15 Mainstream & Margin, Exceptions & Rules 4:12:59 Conclusion

The Human Rights Campaign president on LGBTQ voters, anti-trans politics, authoritarianism, and why “hope is a discipline.” In this episode of The Margin — a midterm election coverage collaboration between The Electorette and URL Media — Jen Taylor-Skinner speaks with Human Rights Campaign President Kelley Robinson about the state of American democracy, rising attacks on LGBTQ Americans, and the political stakes heading into the 2026 midterms. Robinson discusses new polling showing historically high LGBTQ voter engagement, why anti-trans attacks are becoming central to Republican strategy, and what candidates need to understand about the communities powering Democratic victories. The conversation also explores Black women's political influence, voter mobilization, authoritarianism, and why Robinson believes joy itself can be a form of resistance. “Hope is a discipline,” Robinson says. “Our joy is resistance, too.” Learn more about your ad choices. Visit megaphone.fm/adchoices

Book a free strategy call with CertainPath to see how we can help you hit your goals and beyond: https://bit.ly/4b0wLaZ Or call us at: (214) 453-1591 One man. Three trades. $7.9M in twelve months. Here's how Chris Roberts turns a $300 light switch call into a $100,000 job. Chris Roberts isn't a salesman. He's an electrician who learned to sell — and last year he closed $5.1M in electrical, $2.3M in plumbing, and $500K in HVAC personally. The plumbing total happened in roughly one month. He's the first double Crown Champion in CertainPath history. Chris runs sales for Bailey Plumbing, Safety First Electric, and Comfort Heating and Cooling — three companies operating under one roof out of San Jose and Morgan Hill, California. Chris started in the union, watching his electrician's check stay flat while his family kept growing. When the union got slow, he took what he thought was a short-term gig at Safety First Electric — installing, not selling. A few weeks in, the owner asked him to go run a sales call. He brought back $7,000 in signed work. By the end of his first month in sales, his check rewrote his understanding of what was possible. He called his wife and said, "I'm not going back to the union." In this episode, Chris walks Bob Houchin through the exact playbook — every word he uses, every door he opens, every shirt he wears — for turning a single service call into a six-figure multi-trade job. In this conversation, you'll discover: • The $7.9M sales reveal — and why most of the plumbing total came in roughly a month • Why Chris never says the word "finance" on a sales call (and what he says instead) • How a $300 light switch call becomes a six-figure rewire, re-pipe, and drain job • The "Two Costs and One Price" framework that crushes "I need to think about it" • Why Chris wears a different shirt on Day 2 — and what it sells • The 4-option pricing system that lets Bailey charge $70K for a rewire (when competitors price it at $25K) • Why he won't sell a re-pipe to a customer who doesn't need one — and why disqualifying like this builds trust  Whether you're a sales tech trying to break $1M for the first time, a sales manager building a multi-trade playbook, or an owner trying to understand what makes one rep close $7.9M across three trades — Chris's process is a masterclass in stacking trades without losing trust. Watch on YouTube or listen on your favorite podcast platform. And don't forget to subscribe to The Successful Contractor for more interviews that move the needle. About The Successful Contractor is a podcast for residential HVAC, plumbing, electrical, and roofing contractors. Hosted by Bob Houchin, each episode features real contractor growth stories, hard-won business insights, and practical takeaways for building a profitable home services company. Meet the Guest Chris Roberts is the head sales manager at Bailey Plumbing, Safety First Electric, and Comfort Heating and Cooling — three home-services companies operating under one roof out of San Jose and Morgan Hill, California. A former union electrician, Chris transitioned into in-home sales his first year at Safety First, then took on plumbing and HVAC sales as the companies grew. Last year, he personally closed $5.1M in electrical, $2.3M in plumbing, and $500K in HVAC — making him CertainPath's first-ever double Crown Champion. Connect CertainPath: https://www.mycertainpath.com Show Notes The Successful Contractor Podcast is part of the CertainPath family. CertainPath is a business coaching program for residential HVAC, plumbing, electrical, and roofing contractors. For 25 years, we've helped contractors double their revenue, hit 20% net profit, and build teams that stay. With proven systems, professional coaching, software solutions, and a member community of 1,200+ strong — Success is Made Certain. Visit www.mycertainpath.com for more information. FOLLOW CERTAINPATH: Facebook: https://www.facebook.com/CertainPath LinkedIn: https://www.linkedin.com/company/certainpath Instagram: https://www.instagram.com/certainpath/ 

Dan and Ian are joined by Jeff Picaro of meetwingman.com to recap lessons from the DC Mexico event and share five trends for 2026 in bootstrapped, location-independent businesses. In this episode: • Why organic traffic is rebounding and how legacy publishers can compound results via Google, LLMs, and AI repurposing • Why companies with strong SOPs and systems are translating fastest to AI-enabled workflows and higher margins (especially agencies) • How org charts may shift from pyramids to circular, data-centered “hive mind” models with new technical and client-facing roles • Why many founders who started with AI-driven layoffs are rehiring as capacity and demand expand • Why bootstrappers should consider going upmarket, raising contract value, and pursuing bigger customers and deals. Thanks to this week's sponsor Wayfront — the AI-ready operating system for productized agencies. One client portal. One team dashboard. All your data, AI-accessible. TMBA listeners get an extra free month on top of the trial at wayfront.com/tmba. Resources mentioned: Jeff Picaro E-Myth Revisited by Michael Gerber Work the System by Sam Carpenter The 4-Hour Workweek by Tim Ferriss Jack Dorsey's blog post on the circular org chart (published during Block layoffs) Supabase GitHub More Business Resources Upcoming DC Events Tropical MBA is a podcast for entrepreneurs building location-independent businesses. Subscribe for weekly episodes on business, money, and the entrepreneurial lifestyle. Hang out exclusively with 7+ figure founders in DC BLACK https://dynamitecircle.com/dc-black CHAPTERS: (00:00:00) Welcome and Guest Intro (00:00:59) Why Events Spark Growth (00:02:45) Trend 1 Organic Returns (00:07:25) Trend 2 Systems Win (00:13:02) Trend 3 Org Charts Shift (00:17:22) Sponsor Wayfront Break (00:18:48) Trend 4 Layoffs to Hiring (00:25:54) Trend 5 Go Upmarket (00:32:23) Wrap Up and Takeaways (00:34:46) Outro and Resources CONNECT: Dan Andrews is the co-founder of Dynamite Circle, author of Before the Exit, host of the Tropical MBA podcast, and an entrepreneur who has successfully launched and scaled multiple 7-figure businesses. Email Dan@tropicalmba.com PLAYLIST: The $10K Projects You Never Do (AI Just Changed That) How to Build a 6-Figure Digital Business with Claude Code We Got Claude-Pilled

IPO Mania has officially arrived. Hosts Chuck Zodda and Mike Armstrong dive deep into a historic wave of upcoming public filings, breaking down the newly released S1 data from SpaceX and tracking the staggering revenue numbers from Anthropic and OpenAI. Plus, a look at Nvidia's earnings and why the US Government's new $2 billion quantum computing play might be a dangerous precedent for capital markets.In this episode, we discuss:Nvidia's Earnings Reality Check: They beat expectations again, but with gross margins at 75%, can they actually maintain this level of dominance as hardware commoditization looms?The SpaceX S1 Deep Dive: Analyzing the numbers behind their targeted $2 trillion valuation. Revenue is up, but with a widening $5 billion loss, does space tourism and asteroid mining justify the price tag?Anthropic vs. OpenAI: Anthropic's jaw-dropping jump from a $9B run rate to a $44B run rate in just five months—and what it means for OpenAI's shifting IPO timeline.The Sovereign Wealth Danger: The Wall Street Journal reports the US government is injecting $2 billion into quantum computing firms (including $1 billion to IBM) in exchange for equity stakes. Chuck and Mike explain why picking winners and losers squashes true market competition.Resources & Links:Watch the full episode live on YouTube: youtube.com/thefinancialexchangeshowFollow the show on X (Twitter): @TFEshowSupport our veterans: Visit dav5k.boston to make a donation today.Disclaimer: The Financial Exchange is produced by Money Matters Radio and hosted by employees of the Armstrong Advisory Group. All opinions expressed are solely those of the hosts. This program does not offer specific financial or investment advice. Investments can lose money.

About PritenPriten is a part-time Faculty Instructor at College Unbound, a bachelor's degree-granting institution focused on adult learners, where he teaches courses including Family & Society, Ethics of Ed Tech, Arguing for Truth, AI in My Life, and How We Know What We Know. He also serves on the Faculty Curriculum Committee, which reviews and approves new courses, substantive curricular changes, and revisions to grading policies.Priten has lectured on topics including educational justice, public speaking, cognitive biases and social change, moral luck and forgiveness, and writing for social change. He has worked with audiences ranging from elementary school students to graduate students to educators in India.Priten holds a visiting research position as an Associate in the Department of Philosophy at Harvard's Faculty of Arts and Sciences (September 2025–present), where he focuses on developing philosophically grounded yet practical approaches to teaching critical, ethical reasoning at scale for educators and students.Priten is the author of AI & The Future of Education: Teaching in the Age of Artificial Intelligence (Wiley, 2023), which has been translated into Arabic, Simplified Chinese, Turkish, and Vietnamese; released as an audiobook (Tantor Media, 2024); received over 150 academic citations; sold over 8,000 copies; and reached #1 in three Amazon bestseller categories. It has been featured in Harvard Magazine, Church Times, University World News, and Ed. Magazine.Priten's second book, Ethical Ed Tech: How Educators Can Lead on AI & Digital Safety in K-12 (Wiley, 2026), is available now. The book provides a framework organized around philosophy, policy, and practice to help educators develop shared values, build institutional infrastructure for ethical decision-making, and apply these to the concrete dilemmas they face daily. It draws from conversations with educators, technologists, and students facing real ethical challenges, and includes case studies, discussion guides, and practical tools for implementation.Priten's writing has appeared in Education Week, eSchool Learning, and other publications.Priten has delivered keynotes and workshops at conferences including the Singapore International Science Teachers' Conference, the Texas Computer Educators Association, the Virginia DOE Innovative Teaching and Leadership Conference, the World Education Summit, the National Council for the Social Studies, and the Responsible AI Summit, and has appeared on more than 40 podcasts discussing AI and education. (Including two appearances on ThriveinEDU!)Priten hosts two podcast shows that launched in early 2026: Margin of Thought, featuring interviews with educators and academics conducted for Ethical Ed Tech, and Know. Care. Act., focused on liberal arts education and civic engagement.Lectures and WorkshopsAcademic PositionsBooksThought LeadershipNew book: Ethical Ed Tech: How Educators Can Lead on AI & Digital Safety in K-12 (Wiley, 2026)Learn more:Connect with Priten: ethicaledtech.org and priten.org!About RachelleEducator, AI Strategist, Keynote Speaker, Consultant, Attorney, & AuthorLinkedIn: https://www.linkedin.com/in/rachelledenepoth/Subscribe to my ⁠newsletter. bit.ly/pothnews1Check out my ⁠ blog www.Rdene915.com.Contact me for speaking & training related to AI, AI & the law, AI and Healthcare, Cybersecurity, STEM, and more! bit.ly/thriveineduPDInterested in a sponsored podcast or collaboration? Contact me! Rdene915@gmail.com

What happens if your mail ballot is picked up by USPS… but never actually delivered? In this episode of The Margin — a midterm election coverage collaboration between The Electorette and URL Media — Jen Taylor-Skinner speaks with ACLU attorney Theresa J. Lee about the Trump administration's executive order targeting mail-in voting and the ACLU's legal challenge against it. Lee explains how the executive order could direct federal agencies to create citizenship verification lists using flawed federal databases, potentially impacting mail-in and absentee voting for eligible citizens across the country. The conversation explores:• the SAVE system vs. the SAVE Act• the constitutional questions surrounding the executive order• Section 11 of the Voting Rights Act• polling place closures and voter suppression• risks for disabled voters, military families, and overseas voters• and whether the courts are likely to block the order before the 2026 midterms Subscribe to The Electorette for smart, nuanced coverage of democracy, voting rights, and the 2026 elections. #VotingRights #ACLU #MailInVoting #Midterms2026 #Election2026 #Democracy #TheElectorette #TheMargin Learn more about your ad choices. Visit megaphone.fm/adchoices

George Noble, CIO of Noble Capital Advisors, returns to review his February predictions on bonds, energy, and the AI trade, warning that the margin of safety is particularly small right now as there's no room for error with stocks highly valued, companies over-earning, and policymakers unable to ease on either fiscal or monetary fronts. He explains bond vigilantes are awakening as yields hit 30-year highs in Japan and 20-year highs in Europe, predicts the Fed cutting rates against surging inflation will backfire spectacularly, and reveals forward oil contracts are finally rising as the market believes this situation won't pass quickly. Noble declares we're in the "golden age for stock picking" after active managers got killed by ETFs for years, warns the consumer is already in recession with stocks like Home Depot, Lowe's, McDonald's, and Lululemon making multi-year relative lows, and explains his long resources/short consumer-tech spread has generated 10% returns in six weeks. He argues many stocks are in a bubble not because of high PEs but because of unsustainable margins (using shipping stocks as an analogy), reveals consumer ETFs are actually 40% Mag 7, confirms his "death of financialization" thesis as bond markets discipline politicians, and explains why Kevin Warsh is stuck between a rock and hard place with limited policy tools as the buy-the-dip mentality dies.Links: George Noble's Best Income Ideas Online Summit: https://noble-capevents.com/X: https://x.com/gnoble79Substack: https://substack.com/@georgenobleTimestamps: 0:00 Introduction - Big picture macro update since February0:40 Reviewing previous predictions - Energy, bonds, AI trade3:32 Margin of safety particularly small right now5:30 Forward curve moving up - Market believing oil situation won't pass quickly6:02 Rising oil prices and bond yields - Not positive for risk assets8:40 Tech leadership unsustainable - Tremendous blow off top11:00 Buying semis on 8x book historically not a good idea12:26 Equal weight S&P underperforming - Broader market not doing well14:21 Long resources, short consumer and tech - 10% return spread17:03 Bond market move confirming death of financialization thesis19:52 Fed cutting rates against surging inflation and exploding deficits will backfire21:15 Bond market vigilantes being awakened23:38 Japan as canary in coal mine on debt problem25:33 Gold miners outstanding right now - Out of favor27:04 Regime shift happening - 60-40 model is dead29:36 Fed is not in control - They follow the market32:16 This is the golden age for stock picking34:21 AI trade - Biggest misallocation of capital in history of the world36:44 Many stocks in a bubble - Margins are the problem, not PEs38:37 Shipping stocks example - Bubble in earnings, not valuation40:20 Consumer is in recession42:06 Inflation permeating - Gold to energy to food43:28 Rates won't matter until they matter - Temperature analogy45:51 Kevin Warsh stuck between rock and hard place46:38 Margin of safety explained - Seth Klarman's wisdom50:11 Death of buy the dip mentality51:27 ETFs are not the answer - Do you know what's in your ETF?52:53 Golden age of stock picking - Active managers killing it now54:41 Shorting is a bad business - Just avoid garbage stocks56:50 Best Income Ideas Conference - May 20th59:05 Closing thoughts

Send us Fan MailFixed-price contracting is gaining momentum fast, and for small businesses it changes everything. It reshapes how solicitations are written, how bids are evaluated, and who absorbs risk when scope shifts.In this episode of FedBiz'5, we break down what the government's fixed-price push really means in practical terms. You'll learn why some firms win fixed-price contracts and still lose money, the red flags that signal a high-risk requirement, and how to protect margin with sharper scoping, disciplined pricing, stronger proposal language, and better Q and A strategy. We also cover how prime contractors may shift risk downhill, and what to watch for before you sign up to perform work you can't control.If you've been seeing more fixed-price language in solicitations or you suspect it's coming to your market next, this episode gives you the playbook to bid smarter, avoid bad wins, and stay profitable as the rules of the game change.Visit us: FedBizAccess.comStay Connected: Follow Us on FacebookFollow Us on LinkedInNeed help in the government marketplace? Call a FedBiz Specialist today: 844-628-8914Or, schedule a complimentary consultation at your convenience. 

Sales negotiations often fail because sellers protect the deal instead of protecting the value. In this solo episode of the B2B Sales Trends Podcast, Harry breaks down how modern B2B sales professionals can protect profit margin, defend pricing confidently, and close deals without unnecessary discounting. This episode explores sales psychology, value proposition positioning, negotiation skills, and commercial discipline in modern B2B selling. You'll learn practical ways to reinforce value throughout the sales cycle, reduce pricing pressure, and improve long term revenue growth without sacrificing trust.

Welcome to Week 2 of our Margins series as we explore The Mindset of Margin — learning the difference between what we're carrying and what God actually designed us to carry. Through the story of Mary and Martha, this message reveals how many of our greatest struggles are not physical, but mental and spiritual. In a world filled with pressure, distractions, and constant demands for our attention, God invites us into a healthier way of living through boundaries, rest, and time in His presence. This message is a reminder that not every opportunity is obedience, not every interruption deserves access, and true rest is ultimately found in Jesus. As we create margin in our minds, schedules, and hearts, we make room for peace, clarity, and deeper relationship with God. If you've been feeling overwhelmed, mentally exhausted, or stretched too thin, this message will encourage you to slow down and rediscover the rest only Christ can give.

On this episode of Small Biz Florida, host Tom Kindred sits down with Fred Lenz, Founder and Managing Partner of Margin First Advisors, to discuss how small and medium-sized businesses can uncover enterprise-level cost savings without upfront consulting fees. Fred shares how his company helps SMBs improve margins through healthcare cost mitigation, IT optimization, tax incentives, AP automation, and other specialized solutions typically reserved for large corporations. He explains Margin First Advisors' unique no-risk business model, in which clients pay only after savings are realized, and takes a deep dive into a healthcare program that leverages Affordable Care Act provisions to reduce employer healthcare expenses while generating significant FICA tax savings. The conversation also explores the growing role of virtual healthcare, automation, and proactive cost management strategies for businesses navigating economic uncertainty. Connect with our guest:  https://margin1st.com/

Burnout can feel like a personal failure, but it often shows up because the business isn't operationally aligned. In this episode, Kirk Behrendt brings back coach Ariel Siegel to explain why burnout is a business signal, what numbers reveal the real problem, and which metrics to track so your schedule, profitability, and energy feel more sustainable. You'll learn how days worked, write-offs, and margin create (or relieve) pressure — and what to start measuring right now to regain control. Listen to Episode 1048 of The Best Practices Show!Main Takeaways:Burnout often feels personal, but it is typically a signal that something in the business is not working.Adding more hours, skipping lunch, and squeezing in patients can increase effort without delivering proportional financial relief.Days worked and write-offs have risen significantly post-COVID, creating instability and stress when margin becomes inconsistent.Recovery is a requirement for success, and time away from the practice must be built in, not “earned” later.Dentists must track the true number of clinical days worked because most don't know the real number from the prior year.Margin matters more than production because it shows what is left after overhead and debt, and it reveals profit leaks.Write-offs must be understood by source so you can see how many days you are effectively working “for free” and build a plan to improve.Snippets:00:00 Metric Monday Intro01:35 Burnout Is A Signal03:36 When It Goes Wrong04:56 Post COVID Metrics Shift06:16 Margin Stress Spiral08:26 Getting It Right09:51 Track Days And Margin13:15 Busy But Not Profitable14:55 Action Step Write Offs16:47 Resources And Wrap UpGuest Bio/Guest Resources:Ariel has a master's in healthcare administration and several years of dental experience in all aspects of the administrative roles within the dental office. Her passion is to work with dental teams to empower team members to realize their full potential in order to better serve patients, improve office systems to ensure a well-functioning team/office, and to help everyone have fun in the process!Guest resources mentioned in this episode:PPO Freedom Course: https://www.actdental.com/free-resources/ppo-roadmap/More Helpful Links for a Better Practice & a Better Life:The Best Practices Show: https://www.actdental.com/podcast/Best Practices Association: https://www.actdental.com/bpaUpcoming Events & Workshops: https://www.actdental.com/events/Smile Source: https://www.smilesource.com/Subscribe on Apple Podcasts: https://podcasts.apple.comSubscribe on Spotify: https://open.spotify.com

In this episode we answer emails from Geraldo, Rock, Ute.  We discuss how to give well, shifting from big-name school donations to smaller charities with immediate impact, moving from individual stocks to a Golden Butterfly style portfolio with less stress, treating Roth conversions as optional and highly personal rather than automatic, using a conservative Interactive Brokers margin loan as a temporary cash buffer, lowering margin-call risk with diversification and alternatives, and pressure-testing inflation claims for retirees and comparing U.S. data with and older study from The Netherlands.And THEN we our go through our weekly and monthly portfolio reviews of the eight sample portfolios you can find at Portfolios | Risk Parity Radio.Additional Links:Father McKenna Center Donation Page:  Donate - Father McKenna CenterWCI Podcast Episode re Charitable Giving with Rebecca Herbst:  How to Maximize the Impact of Your Charitable Giving - WCI Podcast #470Referenced Inflation Study Paper:  S1474747216000202jra 85..109J.P Morgan Inflation Study:  JP_Morgan_White_Paper_Three_Retirement_Spending_Surprises.pdf - Google DriveRAND Inflation Study:  Spending Trajectories After Age 65: Variation by Initial Wealth | RANDBreathless Unedited AI-Bot Summary:You can be “right” about taxes and still be wrong about living. We dig into three listener emails that expose a common trap for smart investors: turning retirement into an endless optimization project, while the real goal is a calmer portfolio, a sustainable withdrawal plan, and a life you actually want to spend money on.First, we walk through a practical way to transition from individual stocks to a Golden Butterfly portfolio without getting paralyzed by detail. We talk about why macro allocation matters more than the exact ticker list, how to think about growth vs value exposure, and why simplifying inside retirement accounts is usually easier than in taxable accounts where capital gains can bite. We also share what we'd try to eliminate first when someone is de-risking for retirement.Next, we zoom out to retirement tax planning and charitable giving. We discuss why blanket advice on Roth conversion strategy and withdrawal order often fails, what it means to “disgorge” traditional IRAs before RMD age, and how qualified charitable distributions (QCDs) can be a quietly powerful tool for charitably inclined retirees.Then we tackle margin as a tool, not a lifestyle. We break down using a conservative Interactive Brokers margin backstop, how diversification can reduce drawdowns and margin-call risk, and why assets like Treasuries, gold, and managed futures show up again in risk parity style thinking. We also address a listener challenge on retiree inflation and why country, data vintage, and healthcare systems can flip the conclusion.If you like clear portfolio mechanics with real-world tradeoffs, subscribe, share the show with a friend, and leave a review so more DIY investors can find us.Support the show

Here is the opinion I refer to: https://www.dccourts.gov/sites/default/files/2026-05/Ricciardi%20v.%20DC%20%2024-CV-0718.pdf

The "Pattern Day Trading" (PDT) era is officially coming to an end! In this episode, Dan Passarelli and Mark Longo break down the massive regulatory shift coming on June 4th—which some are calling "Trader Independence Day." FINRA is moving away from the rigid $25,000 account minimum for active traders, but as the old saying goes: be careful what you wish for. In this episode, the drill instructors discuss: The Death of PDT: What the removal of the "four trades in five days" rule means for small accounts. The New "Dynamic" Risk Models: Why your broker might be watching you closer than ever. The Rise of Margin Calls: Is the trade-off for freedom a more aggressive liquidation environment? Zero-Day Options (0DTE): How the explosion of same-day expiration forced the regulators' hands. Implementation Timelines: Why some legacy brokers might keep you under the old rules until October 2025. Plus, we answer listener questions about the impact of this change on stock volatility and the potential for "call skews" to get bid up by a new wave of retail traders.

The "Pattern Day Trading" (PDT) era is officially coming to an end! In this episode, Dan Passarelli and Mark Longo break down the massive regulatory shift coming on June 4th—which some are calling "Trader Independence Day." FINRA is moving away from the rigid $25,000 account minimum for active traders, but as the old saying goes: be careful what you wish for. In this episode, the drill instructors discuss: The Death of PDT: What the removal of the "four trades in five days" rule means for small accounts. The New "Dynamic" Risk Models: Why your broker might be watching you closer than ever. The Rise of Margin Calls: Is the trade-off for freedom a more aggressive liquidation environment? Zero-Day Options (0DTE): How the explosion of same-day expiration forced the regulators' hands. Implementation Timelines: Why some legacy brokers might keep you under the old rules until October 2025. Plus, we answer listener questions about the impact of this change on stock volatility and the potential for "call skews" to get bid up by a new wave of retail traders.

Soaring beef prices have some Chicago restaurants in a bit of an existential crisis. Reporter Ally Marotti discusses with host Amy Guth. Plus: Tax break for United Center's 1901 Project advances despite pushback, former Walgreens office in Deerfield sold for a revamp, United Airlines sponsorship puts transportation secretary's side gig under scrutiny, and a mid-year outlook warns wealthy investors to brace for inflation, trade shocks and AI. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

One of the motivations for creating the Kids Cook Real Food™ eCourse was that I was just over halfway to “launch” with my oldest child.Nine years old is half of the intensive part of parenting, and Paul had just turned 10. He demonstrated how to make homemade guacamole to his 4th-grade class, and I realized that guac was the only thing he truly knew how to make!One cannot live on guac alone…so I knew I needed to teach him more before he left my home!I love that parenting expert and author Amy Carney also uses the word “launch” to describe the process of sending off a child into the world, ready to serve and grow and live on purpose.She too had a crisis of parenting when her oldest kids were about 10, and she reacted even more strongly than I did – that and more in today's interview!What Amy made me desire: The sort of MARGIN she found in her life when she taught her kids certain things.How I'll rethink something today: That being frustrated about a task is an opportunity for a teaching moment.A goal I need to keep in mind: Play is as important as “being busy.”In the first two days after the interview, I quoted a certain portion twice, and it's what college professors and deans all agreed that young adults need more of.This is a heartfelt, fun, fascinating, and inspiring interview, and I hope you enjoy Amy as much as I did!Amy is teaching on How to Spot a Scam in #LifeSkillsNow Season 5 – register now!Resources We Mention for Teaching Life Skills to TeensSupporting the foster care systemAmy's video on adoption through foster careMy interview with Julie Lythcott-Haimes about raising successful adultsFind Amy online hereFollow her on social media: Facebook, InstagramGet your kids REAL skills for real life - register for #LifeSkillsNow!Kitchen StewardshipRaising Healthy Families follow Katie on Instagram or FacebookSubscribe to the newsletter to get weekly updatesYouTube shorts channel for HPHFind the Healthy Parenting Handbook at raisinghealthyfamilies.com/podcastAffiliate links used here. Thanks for supporting the Healthy Parenting Handbook!

Send us Fan MailMost builders are responding to a slower market with more incentives. Jeff Shore says that might be making things worse. In this episode, Anya Chrisanthon sits down with the founder of Shore Consulting and one of the most respected voices in new home sales training for a straight-talking conversation about buyer psychology, sales confidence, and what actually separates teams that will come out of this market stronger from the ones that won't.What's covered: Uncertainty - not rates or pricing - is what's slowing buyer decisions right now, and Jeff explains exactly why. He shares the two-word response every salesperson should have when a buyer asks about incentives, how to reverse-engineer the sales presentation so "I'm just looking" never comes up, why dissatisfaction is the single greatest predictor of urgency, and how to normalize a first-visit decision before you ever show the home.For sales leaders: Jeff's two non-negotiables are a daily lead conversion hour and weekly one-on-one skill development coaching for every rep. And for the teams that will win - confidence is the product of belief and mastery, and it's contagious.Sales & Marketing Leadership Summit - San Diego, July 15-17 Anewgo is a proud sponsor. Use code ANEWGO to buy one ticket and get one free: whova.com/portal/registration/4MA1nFzvsqp4sg4JwSu1Free ticket giveaway - apply here (admission only, travel not included, winner announced Friday): Apply NowAbout Anewgo Anewgo is an all-in-one new home sales and marketing platform providing builders with AI-ready homebuilder websites, interactive design tools, floorplans, sitemaps, AI Sales Assistants, and data analytics. Learn more at anewgo.com or find every episode at anewgo.com/podcast.Listen on Apple Podcasts: https://podcasts.apple.com/us/podcast/anewgo-of-new-home-sales/id1602564768

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Mark continues with Stories from the Margin by talking about God's heart for the widow. As we explore the story of Ruth, we see God's provision, care, and future for the widow - and a love that clings to us. www.thevineaustin.org Ruth 1:8-18 REFLECTION QUESTIONS: 1. What about the sermon was encouraging, confusing, or challenging? 2. Why do you think widows have such a valued place in God's heart? How were they marginalized? 3. Read Ruth 1:11-17. What do you notice about Naomi in these verses? What would compel Ruth to such loyal love? 4. Ruth is a unique book as God never explicitly speaks. Yet, how do you see God at work in this story- in systems, in subtle actions, or in clear ways? 5. Read Ruth 4:13-17. The ending presents a great, redemptive reversal. What elements of redemption do you see in these verses? 6. What did you take from Mary's testimony shared on Sunday? 7. Who are the widows in our midst, and what could the church do to provide Christlike loyal love to them? Spend time in prayer. Pray for those who often fall through the cracks of our society.

Book a free strategy call with CertainPath to see how we can help you hit your goals and beyond: https://bit.ly/4b0wLaZ or call us at: (214)-453-1591 On a roof at 17 in 90-degree heat. Eight years later — Crown Champion at his family's Pennsylvania roofing company with $2 million in personal sales his first full year. Mostly replacements. Plus a few full-house exterior packages topping $100K. Mast Roofing & Construction in Oley, PA has been around 30 years — Seth's dad started it. Seth grew up putting together sales folders in the family barn, mowed the property when his dad finally built a real building, and went full-time on a roof crew at 18. A year of installs. A year as a repair tech under Mast's top performer. And almost by accident, he slid into a sales seat when another rep wouldn't run a townhome. Eight months later — Crown Champion. By twelve months — $2M sold. In this conversation, you'll discover: The 3-option close he learned in CertainPath's Service Essentials class — and why it ends every pitch Why he never pre-judges a trailer (or a mansion) — and what to look at instead The "30 minutes on the pictures" inspection that doubles as authority-building The mold-decking story he uses to pre-empt the attic objection before he ever walks upstairs The single line — "if you had this shingle on here, I would probably not be sitting right now" — that handles cheap-shingle objections in one sentence His first-question close: "They've already decided. It's just when and who." Why his close ratio jumped 10% the first time he went to a CertainPath training Whether you're a roofing rep trying to break your first $1M, a sales manager building a training program, or an owner trying to understand what makes a young rep close like a veteran — Seth's process is a masterclass in education over pitching. 

#895 Ready for a reset that goes deeper than your average vacation? In this episode, host Brien Gearin sits down with serial entrepreneur David Schafran, founder of Somoloco — a one-of-a-kind salsa dance immersion company operating in Medellín, Colombia. David shares how he went from launching a venture-backed medtech startup to following his joy and building a high-margin, spiritually fulfilling business that helps people reconnect with themselves through movement, music, and community. From organic beginnings to winning TripAdvisor's Travelers' Choice Award, David walks us through how Somoloco operates like a yoga retreat with a Latin twist — blending private instruction, cultural immersion, and transformational experiences. Tune in to learn how he built the brand, structured pricing, scaled with a lean team, and designed an unforgettable product that's as much about emotional healing as it is about dancing! (Original Air Date - 9/4/25) What we discuss with David: + From medtech startup to dance retreats + Origins of Somoloco in Colombia + Dance as emotional and mental reset + Structure of the salsa immersion experience + Building a lean, high-margin business + Organic team-building through relationships + Pricing strategy and value-based offerings + Operating remotely with a local team + Winning TripAdvisor's Travelers' Choice Award + Creating transformative, embodied experiences Thank you, David! Check out Somoloco at ⁠Somoloco.com⁠. Follow David on ⁠Facebook⁠, ⁠Instagram⁠, and ⁠YouTube⁠. Watch the ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠video podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ of this episode! To get access to our FREE Business Training course go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MillionaireUniversity.com/training⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. To get exclusive offers mentioned in this episode and to support the show, visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠millionaireuniversity.com/sponsors⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

Stijn Schmitz welcomes back Colonel Douglas Macgregor to the show. Mr. Macgregor is a retired U.S. Army Colonel and a decorated combat veteran. In this in-depth discussion, Macgregor provides a critical analysis of the current geopolitical situation, focusing on the ongoing conflict in the Persian Gulf and its profound global economic implications. Macgregor argues that the current war has created a catastrophic disruption in global maritime trade, with commercial ship traffic through the Strait of Hormuz down by over 90%. This disruption is causing severe economic challenges, including potential famines, skyrocketing energy prices, and significant supply chain disruptions. He predicts oil prices could reach $150-$200 per barrel, which would have devastating economic consequences. The colonel is particularly critical of the U.S. approach to the conflict, suggesting that the war is primarily driven by Israeli interests rather than vital U.S. strategic objectives. He believes the strategic initiative has passed to Iran, which can absorb more punishment and endure more economic pain than the United States. Macgregor emphasizes the critical importance of resource sovereignty, arguing that countries must now focus on securing their own critical mineral supplies, refining capabilities, and energy infrastructure. He sees this conflict as a transformative moment that will fundamentally reshape global economic and geopolitical relationships, potentially accelerating the de-dollarization process and China’s economic rise. The discussion highlights the urgent need for a diplomatic solution to stop the conflict, warning that continued military operations will only exacerbate global economic challenges. Macgregor suggests that the world needs to move towards a new approach of international cooperation, focusing on practical economic survival rather than military confrontation. Ultimately, Macgregor believes the current crisis will force nations to rethink their economic strategies, prioritize resource security, and develop more resilient and self-sufficient economic models. Timestamps: 00:00:00 – Introduction 00:00:40 – Iran Campaign Prediction Review 00:00:40 – Iran War Phases Clarified 00:03:02 – Strait of Hormuz Closure 00:03:44 – Global Economic Catastrophe Warning 00:04:41 – Resource Sovereignty Essential Now 00:06:53 – Markets Manipulation and Warfare 00:09:00 – Revolution in Warfare 00:10:33 – Concealing War Strategic Disaster 00:13:00 – Trump’s Strategic Dilemma 00:16:43 – Commodity Investments Shift 00:20:26 – Gold Reserves De-Dollarization Trends 00:24:00 – War Duration and Oil Disruptions 00:30:10 – China & Oil Refining 00:36:43 – Western Reindustrialization 00:40:30 – US Reorganization Critical Minerals 00:44:20 – Reindustrialization and Direction 00:46:04 – Strategic Metal Concerns 00:49:35 – Concluding Thoughts Guest Links: Website: https://douglasmacgregor.com X: https://x.com/DougAMacgregor YouTube: https://www.youtube.com/@douglasmacgregorTV Articles: https://breakingdefense.com/author/doug-macgregor/ Substack: https://substack.com/@coloneldoug Douglas Macgregor is a decorated combat veteran, an author of five books, a PhD, and a defense and foreign policy consultant. Macgregor was commissioned in the Regular Army in 1976 after 1 year at VMI and 4 years at West Point. In 2004, Macgregor retired with the rank of Colonel. In 2020, the President appointed Macgregor to serve as Senior Advisor to the Secretary of Defense, a post he held until President Trump left office. He holds an MA in comparative politics and a PhD in international relations from the University of Virginia. Macgregor is widely known inside the U.S., Europe, Israel, Russia, China and Korea for both his leadership in the Battle of 73 Easting, the U.S. Army's largest tank battle since World War II, and for his ground breaking books on military transformation: Breaking the Phalanx (Praeger, 1997) and Transformation under Fire (Praeger, 2003). Macgregor's recommendations for change in Force Design and “integrated all arms-all effects” operations have profoundly influenced force development in Israel, Russia and China. In 2010, Macgregor traveled to Seoul, Korea to advise the ROK Ministry of Defense on force design. In 2019, Transformation under Fire was selected by Lt. Gen. Aviv Kohavi, Chief of the Israeli Defense Force (IDF), as the intellectual basis for IDF transformation. His fifth book, Margin of Victory: Five Battles that Changed the Face of Modern War from Naval Institute Press is available in Chinese, as well as, English and will soon appear in Hebrew. In 28 years of service Macgregor taught in the Department of Social Sciences at West Point, commanded the 1st Squadron, 4th Cavalry, and served as the Director of the Joint Operations Center at SHAPE during the 1999 Kosovo Air Campaign for which he was awarded the Defense Superior Service medal. In January 2002, at Secretary of Defense Donald Rumsfeld's insistence the USCENTCOM Commander listened to Colonel Macgregor's concept for the offensive to seize Baghdad. The plan was largely adopted, but assumed no occupation of Iraq by U.S. Forces. Macgregor has also testified as an expert witness before the Senate and House Armed Services Committees and appeared as a defense analyst on Fox News, CNN, BBC, Sky News and public radio. He is fluent in German.

In this episode, Steve Liou, Founder and CEO of Clarium, and Dr. Steven Klasko, Executive in Residence at General Catalyst, join Scott Becker to explore how supply chain is emerging as a strategic driver of margin, total cost of care, and health system sustainability. They discuss why operational AI is delivering faster ROI than clinical AI, how better data and automation can unlock billions in savings, and why rethinking supply chain is critical to the future of healthcare.This episode is sponsored by Clarium.

Are you racing from one thing to the next without time to think? In this episode, we break down the "constant demand" trap and share four proven principles to help you create more space, build greater flexibility, and cultivate the relationships that allow you to stop reacting to the world and start leading within it.Resource: Dorie ClarkWe are so grateful for your support! Please share this podcast with someone who needs it and leave us review: https://podcasts.apple.com/us/podcast/positive-on-purpose/id1531548022

Jatin Vyas is a professor of medicine and associate dean for academic innovation at the Columbia University Vagelos College of Physicians and Surgeons. Stephen Morrissey, the interviewer, is the Executive Managing Editor of the Journal. J.M. Vyas. From Mission to Margin in Academic Medicine — The Impact of Corporate Medicine on Medical Training. N Engl J Med 2026;394:1769-1772.

In this episode, we're breaking down why having the most expensive product in your market gives you the best chance at building a real business. From the placebo effect to premium branding strategy, this is the case for raising your prices instead of cutting them. Get on the waiting list at https://capitalism.com/bootcamp Timestamps (0:00) Why premium pricing strategy wins in e-commerce (1:00) The counterintuitive thesis (2:00) The placebo effect in Parkinson's treatment and consumer (3:00) How higher prices increase customer expectations and satisfaction (4:00) Margin protects your presence as a business owner (5:00) Building better systems and customer experience with profitability (7:00) Why luxury dealerships deliver better experiences than used (8:00) The math of discounting premium vs cheap products (9:00) Using aggressive discounts on premium products to acquire (11:00) Why premium discounts feel like events, not gimmicks (12:00) Margin funds the marketing that actually grows your (13:00) Why e-commerce entrepreneurs use price instead of marketing (14:00) Combining discounts and advertising for competitive advantage (15:00) AG One case study (18:00) What premium branding actually means (19:00) Kill Switch sleep supplement (21:00) Doubling your price requires upgrading your entire brand (23:00) Premium pricing as a forcing function for better (25:00) Pricing resistance is a self-worth issue (26:00) How to market premium products (27:00) Real marketing compares your product to inaction, not (29:00) Switch Supplements example (30:00) Connecting product benefits to customer life outcomes (32:00) The premium marketing funnel (35:00) Building premium brands on Amazon and TikTok Shop (36:00) Email relationships drive conversion more than sales pages (38:00) Final wrap

Are you spending more on traffic than you're actually making and calling that “growth”? Business owners often chase scale, obsess over ROAS, and completely miss the bigger picture. Most of them don't have a traffic problem but a strategy problem. And if you don't fix it, you're just working for Meta, Google, or whoever owns your traffic source.Today, we revisit a conversation we had with Kasim Aslam. He breaks down a hard truth about scaling: diminishing returns are still returns, but most businesses quit too early. We explain why entrepreneurs stop at the peak of performance instead of riding the full curve, how margin obsession kills growth, and why doubling down on what's already working beats chasing every new platform or tactic. We get into what's actually happening with AI, automation, and why “scalable” might be the most dangerous word in your business right now. We also unpack what really drives sustainable business growth and why the future belongs to those willing to do what doesn't scale.In This Episode:- Why traffic sometimes costs more than profit- Doubling down on what works- Riding the bell curve of ad performance- Margin vs net profit- Incalculable business advantages- The flip-and-exit mentality- How AI is killing easy business modelsMentioned in the Episode:Apply to Work With Tier 11's Marketing Experts: https://www.tiereleven.com/apply Previous episodes on the law of inverse profitability: https://perpetualtraffic.com/?s=inverse+profitability Listen to This Episode on Your Favorite Podcast Channel:Follow and listen on Apple: https://podcasts.apple.com/us/podcast/perpetual-traffic/id1022441491 Follow and listen on Spotify:https://open.spotify.com/show/59lhtIWHw1XXsRmT5HBAuK Subscribe and watch on YouTube: https://www.youtube.com/@perpetual_traffic?sub_confirmation=1We Appreciate Your Support!Visit our website: https://perpetualtraffic.com/ Follow us on X: https://x.com/perpetualtraf Connect with Kasim Aslam:Website: https://kasimaslam.com/LinkedIn: https://www.linkedin.com/in/kasimaslam Connect with Ralph Burns: LinkedIn - https://www.linkedin.com/in/ralphburns Instagram - https://www.instagram.com/ralphhburns/ Hire Tier11 - https://www.tiereleven.com/apply-now Mentioned in this episode:https://perpetualtraffic.com/advertise-with-us/Apply for an ad spot on Perpetual Traffic for Q1 or Q2. Visit www.perpetualtraffic.com today to secure your spot!We're opening up sponsorship spots for Q1 and Q2! Apply now by visiting www.perpetualtraffic.com https://perpetualtraffic.com/advertise-with-us/