Podcasts about Margin

On this special crossover episode between RETHINK Retail and Retail Razor, guest host Ricardo Belmar — founder of the Retail Razor podcast network — sits down with Aidan Mittra, Co-founder of OrderGrid, to explore how retail innovation is reshaping grocery operations, tackling margin constraints, and leveraging data to unlock the massive opportunities presented by AI and retail media networks. Key Takeaways - Acute operational and resource pressures remain: Margin constraints, high staff turnover, and shifting customer expectations create an incredibly complex environment where grocers must operate leaner than ever. - Clean data is required for emerging tech: Advanced solutions like AI-based pre-trip meal planning rely entirely on real-time, accurate inventory and product data foundations. - Isolated point systems must be connected: Novel solutions like robots, sensors, and electronic shelf labels generate useful data, but they lack the operational connectivity needed to orchestrate real-time daily tasks for overwhelmed store associates. - Stores are evolving into omnichannel hubs: Physical stores remain essential but are shifting to blend digital channels with experiential upgrades, such as utilizing smart carts, apps, and backroom fulfillment. - In-store retail media opens incremental high-value revenue: Grocers possess an invaluable goldmine of first-party customer data that can be activated inside the store to build a meaningful new income stream with real bottom-line impact. - Three factors separate future market leaders: Success hinges on structuring organizations around the customer rather than separate physical/e-commerce P&Ls, establishing strong data foundations today, and fiercely owning the customer relationship through loyalty. This episode digs deep into how a clean data foundation and operational connectivity position grocery operators to lead an increasingly complex and fast-moving retail landscape.

It's Big 12 Championship or bust.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Michigan Secretary of State Jocelyn Benson joins The Margin to discuss her campaign for governor and the challenges facing Michigan—from housing affordability and economic growth to protecting voting rights in an increasingly polarized political climate. Benson reflects on defending Michigan's 2020 election in the face of election denialism, explains why she believes states must step in as federal voting protections continue to erode, and discusses the role Democratic governors can play as a constitutional check on presidential power. The conversation also explores her plans to increase housing affordability, support small businesses, grow wages, and strengthen Michigan's economy. The Margin is a special midterm election series from The Electorette and URL Media exploring the issues, races, and ideas shaping the 2026 elections. If you found this conversation helpful, like this episode and follow @electorette for more political midterm coverage, election analysis, and nuanced discussions that go beyond the headlines. Learn more about your ad choices. Visit megaphone.fm/adchoices

The FTC just notched its second win against the biggest roll-up in anesthesia history. Welsh Carson settled first. Now USAP. So who actually won, and who pays next? Joe Rodriguez sits down with Randy Moore and Gary Keeling for the kind of conversation that usually happens at the bar after the conference, not on the record. No "where did you go to school" warm-ups. Just three operators reading the headlines everyone else is misreading. Gary drops the frame that defines the episode: this is two Goliaths at war. Private equity built 70 percent market share with borrowed money. Insurers answered with the No Surprises Act and rate cuts. Now IDR is swinging back, hospitals are eating the shortfall through subsidies, and the FTC just stepped into the ring. Anesthesia providers are standing in the middle of all of it. Then the gloves come off on the anesthesiologist assistant fight. Sixty bills in thirty years. Gary says there's enough work for everybody and braces for the hate mail. Randy makes the case that should worry every workforce planner in the country: this shortage isn't a cycle anymore, it's structural, and it's not normalizing for five to seven years. Joe closes with the contrarian bet he's making with his own money. If you book the cases, staff the rooms, or sign the subsidy checks, this episode is your briefing. Takeaways The FTC win is a settlement, not a verdict. USAP admitted no fault and the terms are still being executed. The real signal is that the roll-up playbook now carries regulatory risk that didn't exist a decade ago. The Goliath framework: insurers wanted fragmented anesthesia markets they could play against each other. PE consolidated to fight back. The NSA flipped leverage to insurers, IDR is flipping it back, and hospitals absorb every swing through subsidies. PE's debt structure is the tell. Buy with borrowed money, load the debt onto the asset, run admin on a skeleton crew, jettison through bankruptcy when it breaks. Margin expectations beyond 6 to 15 percent in a service business are the warning sign. AA legislation has a 30-year losing record. Roughly 60 attempts, 47 straight failures from 2010 to 2019, and only 5 of 40 passed in 2025 during a historic shortage. If it was going to break through, that was the year. Randy's call: the workforce shortage is structural, not cyclical. Every CRNA program is expanding cohorts and demand still outruns supply. No meaningful normalization for five to seven years. The pipeline counterweight: 147 nurse anesthesia programs with 17 more coming. Joe's on the record preparing for demand growth to slow. Cycles always turn. Gary's operator test: the 2 percent of groups with excess staff aren't lucky, they built culture and systems. Everyone else is churning providers and renting locums at whatever price locums name. Want more Dr. Joe Rodriguez? Tik Tok: @jrodcrna21 Instagram: @jrod.crna & @abouttherestpod YouTube: @AboutTheRest Thanks for my co-hosts: Randall Mooore, DNP, MBA CRNA are Executive VP of Strategy and Chief Anesthetist Officer, former AANA CEO. Gary's is VP of Anesthesia Services, Revenue Cycle Management To Learn More about Human Content Visit: ⁠⁠⁠http://www.human-content.com⁠⁠⁠ To Learn More about About The Rest Visit: www.abouttherest.com Got a Question? hello@abouttherest.com Part of the Human Content Podcast Network Learn more about your ad choices. Visit megaphone.fm/adchoices

Zack and T.J. discuss a loss to open the White Sox series which saw Cleveland score 5 runs but lose it in the 9th. The Guardians are operating with little margin for error given their injuries, but is there anything they can do to make this stretch without Jose Ramirez, Chase DeLauter and Angel Martinez more bearable?

Tokenisation represents an “operating system upgrade” for the investment industry, says Theo Golden, Baillie Gifford's new head of digital assets. In this episode, they explain what it involves and how it should deliver a better experience, both by reducing the number of middlemen between you and your investments and making your holdings more “useful”. Background:In this conversation, Theo Golden tells Short Briefings… host Leo Kelion about how tokenisation can reduce costs and complexity – and pave the way for providing clients with new services that better fit their needs. Tokenisation means taking an asset – such as a fund – and turning it into a line of code. This lives on a blockchain: a shared digital record that no single party owns or controls. The investment itself doesn't change, but what does are the ways that ownership is recorded and transferred. Instead of a chain of intermediaries, each keeping their own set of books, everyone can work from one shared record. As Golden puts it, it's “the same but better” – the same investments, on faster, lower-cost, more flexible rails built for the internet age. It also paves the way to new capabilities. Among those Golden discusses are making it much easier for clients to use the funds they invest in as collateral for loans, and the development of “agentic wealth management” – AI bots that autonomously plan and, potentially, update an individual client's portfolio based on their risk appetite and changing circumstances. Baillie Gifford's first steps with tokenisation involve fixed income, but in time the ambition is to “build across our investment universe,” Golden says. “So be ready for Baillie Gifford on chain.”  ResourcesBaillie Gifford digital assets hubDr Ian Hunt: Replicating Legacy is Squandering the Promise of Tokenisation: We Are Building a Faster HorseShort Briefings on Long Term Thinking podcast archive Timecodes:00:00  Introduction01:40   “A world with less friction”02:15   The lesson from losing it all04:50  From Bloomberg to bonds06:35  Defining tokenisation and the blockchain08:20  Same assets, better system09:35  One golden source of truth12:35   Making assets more useful16:10   Turning assets into “Lego bricks”19:20   Stablecoins, regulation and new decision-makers24:00  Managing crypto risks26:25  The ‘same but better' rule28:00  Starting with fixed income29:20  Meeting clients where they are30:27  Book pick Glossary of terms (in order of mention): Trading volumes: The amount of buying and selling taking place in a market over a period of time. Blockchain-based tokenisation: The use of blockchain technology to create digital tokens that represent ownership of assets. Self-sovereign: Controlled directly by the owner, rather than depending entirely on a bank, platform or intermediary. Custody: The safekeeping of assets. Self-custody means holding and controlling the asset directly yourself. Counterparties: The other parties involved in a financial transaction or agreement. Multi Asset: An investment approach that can invest across several asset classes, such as shares, bonds, currencies and infrastructure. Catastrophe bonds: Bonds that transfer insurance-related risks, such as natural-disaster losses, from insurers to investors. FX rates: Foreign exchange rates. Smart contract: Computer code that automatically carries out agreed rules when certain conditions are met. Token: A digital representation of an asset or ownership right on a blockchain. Walled garden: A closed system where users can only operate within the rules and limits of one provider or platform. Fixed income fund: A fund that invests mainly in bonds or other debt instruments that typically pay interest. Growth equity fund: A fund that invests in companies expected to grow faster than the wider market. Vehicle for transfer: The system or method used to move ownership or value from one party to another. Rails: The underlying infrastructure that allows transactions or transfers to take place. Reconciliation: The process of checking that different records match each other. Shareholder registry: The official list of people or organisations that own shares or fund units. Transfer agency register: A fund-administration record that tracks investor ownership and transactions. Wallet: A digital tool used to hold and manage blockchain-based assets. Finality: The point at which a transaction is considered complete and cannot easily be reversed. Unitisation: The process of dividing a fund into units so investors can buy and sell a share of the fund. Inert: Hard to move, transfer or use in other financial activities. UK gilt: A UK government bond. Margin call: A demand for more cash or collateral when the value of an investment or position has fallen. Interoperability: The ability of different systems, assets or pieces of software to work together. Composability: The ability to combine digital assets or software components, like building blocks, to create new services. COBOL: Common Business-Oriented Language – an older computer programming language still used in some legacy financial systems. AI agents: Software that can act semi-independently to carry out tasks on behalf of a user. On-chain books and records: Official ownership and transaction records kept on a blockchain. Stablecoin: A digital asset designed to track the value of a traditional currency, such as the US dollar or pound. Fiat currency: Government-issued money, such as pounds, dollars or yen, that is not backed by a physical commodity such as gold. USDC: A stablecoin issued by Circle that is designed to track the value of the US dollar. FCA: The Financial Conduct Authority, the UK regulator for financial services firms and markets. Burn a token: Permanently cancel or destroy a digital token so it can no longer be used. Remit a token: Re-issue a token to a new wallet. Neobank: A digital-first bank, usually operating mainly through apps or online services.

This Podcast was previously released June 24, 2025: John Finkelde has over 40 years of experience in ministry. He has done it all when it comes to leading a healthy church. As lead pastor at C3 Church Hepburn Heights, Perth, Australia, John led the church through a generational renewal that saw it grow, while also planting a new church every three years and moving to a purpose-built, multi-million-dollar worship centre.In 2012, John founded Grow a Healthy Church and has conducted over 170 on-site and online church consultations in Australia, the UK, Europe, and New Zealand to glowing reviews.John joins Dale on today's 95Podcast to discuss the importance of taking care of your physical and mental health, along with emphasizing the value of financially planning for retirement.Show Notes: https://95network.org/95podcast-343-summary-pastoral-rest-that-lasts-how-dale-sellers-john-finkelde-help-pastors-build-a-sustainable-rhythm-days-off-sabbath-vacation-margin-episode-343/Support the show

Join the Wealthy Practitioner Tour with Dr. Stephanie Wigner this August! Visit the Wealthy Practitioner Tour to get your tickets today.   It's time to build your family's future on a foundation of true health and freedom. Join us at Future Foundations—because your future generations deserve the best start to the mission that will outlive us… Check it out here. Use code FREEDOM25 for 25% off!    Whether you're looking for tinctures, topicals or teas or a deeper connection to your INNATE healing capacity, Noble Task Homestead is here to serve you. Join the movement. Visit NobleTaskHomestead.com/noblestan today and enjoy a 10% discount on your order.   San Diego area residents, take advantage of our special New Patient offer exclusively for podcast listeners here. We can't wait to experience miracles with you! Welcome to a new episode of the Future Generations Podcast! In this conversation, Dr. Stanton Hom sits down with Dr. Stephanie Wigner, chiropractor, owner of five health and wellness clinics, and founder of The Wealthy Practitioner, a coaching company for purpose-driven practitioners. Together, they unpack what it really means to create generational health and generational wealth, move from activist burnout into aligned abundance, and build a business that serves both your family nervous system and your mission. If you're a health and wellness practitioner, especially a parent or spouse navigating business and purpose, this episode will challenge your beliefs about money, impact, and what you're really here to build.   Highlights: "I want to help people who are impactful as is become more impactful, because when they're living in their purpose, everybody around them benefits."    "Wealth to me is the love and time we get to spend together, the experiences we get to share, and the opportunities we get to try as a family."    "All business problems are personal problems. That's the harder thing to fix, so most people don't want to, and that's why they experience chaos in their business."    "Your mission and my mission are the same mission. We try to make it about health, or about money—it's the same mission: elevating people to a new level."    Timestamps:  00:02 Why Stanton Almost Didn't Interview Steph 01:04 Five Clinics and a Soul-Aligned Coaching Business 02:47 Generational Health and Generational Wealth 04:17 The "Wealthy AF" Hat and Money Triggers 08:55 COVID Chaos: Two Clinics and a $40K Overhead 11:45 Choosing a New Reality: Buying a House in Florida 13:24 Priming the Mind for Quantum Leaps 15:25 Abundance, Opinions, and Emotional Triggers 23:44 Business, Family Nervous Systems, and Margin 36:34 The Wealthy Practitioner Live in San Diego   Resources:   Remember to Rate, Review, and Subscribe on iTunes and Follow us on Spotify!   Learn more about Dr. Stanton Hom on:   Instagram: https://www.instagram.com/drstantonhom    Website: https://futuregenerationssd.com/  Podcast Website: https://thefuturegen.com  Twitter: https://twitter.com/drstantonhom   LinkedIn: https://www.linkedin.com/in/stanhomdc   Stay Connected with the Future Generations Podcast:   Instagram:  https://www.instagram.com/futuregenpodcast   Facebook: https://www.facebook.com/futuregenpodcast/     About Dr. Stephanie Wigner: Dr. Stephanie Wigner is a chiropractor, entrepreneur, and founder of The Wealthy Practitioner. She owns five health and wellness clinics on the East Coast and runs a coaching company that helps health and wellness practitioners build businesses that are aligned with their soul, values, and family life.   Rooted in a mission of generational health and generational wealth, Stephanie is obsessed with activating people into their highest potential so they can expand their impact, income, and freedom without burning out. Through her clinics, coaching programs, and live events, she blends identity work and mindset with practical strategy, guiding purpose-driven practitioners to create businesses and lives that actually feel as good as they look. The desire to go off grid and have the ability to grow your own food has never been stronger than before. No matter the size of your property, Food Forest Abundance can help you design a regenerative layout that utilizes your resources in the most synergistic and sustainable manner. If you are interested in breaking free from the system, please visit www.foodforestabundance.com and use code "thefuturegen" to receive a discount on their incredible services.   Show your eyes some love with a pair of daylight or sunset (or both!) blue-light blocking glasses from Ra Optics. They have graciously offered Future Generations podcast listeners 10% off any purchase. Use code FGPOD or click here to access this discount, and let us know how your glasses are treating you!   One of the single best companies whose clean products have supported the optimal wellness of our family is Earthley Wellness. Long before there was a 2020, Kate Tetje and her team have stood for TRUTH, HEALTH and FREEDOM in ways that paved the way for so many of us. In collaboration with this incredible team, we are proud to offer you 10% off of your first purchase by shopping here.   Are you concerned about food supply insecurity? Our family has rigorously sourced our foods for over a decade and one of our favorite sources is Farm Match and specifically for San Diego locals, "Real Food Club PMA". My kids are literally made from their maple breakfast sausage and the amazing carnitas we make from their pasture raised pork. We are thrilled to share 10% off your first order when you shop at this link.   Another important way to bolster food security is by supporting local ranchers. Our favorite local regenerative ranch is Perennial Pastures. They have the best nutrient-dense meats that are 100% grass-fed and pasture-raised. You can get $10 off of your first purchase when you use the code: "FUTUREGENERATIONS" at checkout. Start shopping here.

Taylor Jung on how Zohran Mamdani uses media, messaging, and policy to shape public perception Zohran Mamdani has been mayor of New York City for less than a year, but his influence already extends far beyond the five boroughs. In this episode of The Margin, Taylor Jung, a journalist with Epicenter NYC, joins host Jen Taylor-Skinner to discuss Mamdani's first months in office, the excitement surrounding his inauguration, and why his approach to politics has captured national attention. The conversation explores the policies Mamdani has begun to roll out, from housing to childcare, the challenges of governing after running on a bold progressive vision, and the growing role of content creators in shaping political narratives. Jung also discusses how Mamdani's team has used social media and highly produced digital content to build a national audience, the evolving relationship between journalists and influencers, and what it all means for political communication in the digital age. As Mamdani's administration takes shape, the conversation offers a window into the opportunities—and challenges—of governing in a rapidly changing media environment. If you found this conversation helpful, like this video and follow @electorette for more political midterm coverage, election analysis, and nuanced discussions that go beyond the headlines. Learn more about your ad choices. Visit megaphone.fm/adchoices

Just one year after Zohran Mamdani's rise to City Hall, New York City voters are headed into one of the most consequential primary elections of the 2026 cycle. With more than 200 offices on the ballot, the results could reveal whether the coalition that helped propel Mamdani to victory—a multiracial alliance of young voters, immigrants, and progressives—has the power to reshape New York politics for years to come. In this episode of The Margin, host Jen Taylor-Skinner speaks with Mitra Kalita, co-founder and CEO of URL Media, former Senior Vice President for News, Opinion and Programming at CNN Digital, and founder of Epicenter-NYC. Together, they unpack the races drawing national attention, the candidates aligned with—and challenging—the city's political establishment, and the growing influence of issues like immigration, affordability, and economic justice on local elections. They also explore what some are calling the "Mamdani Effect": the emergence of a new generation of candidates, a changing Democratic coalition, and whether New York's political transformation offers a roadmap for Democrats heading into the 2026 midterms and beyond. Topics include:• The candidates and races to watch in New York City's primary elections• Zohran Mamdani's endorsements and political influence• Immigration, affordability, and economic justice in local politics• The future of progressive politics in New York• What New York's elections could signal for Democrats nationwide Mitra Kalita is the co-founder and CEO of URL Media, a network of Black and Brown community news organizations. A veteran journalist and media executive, she previously served as Senior Vice President for News, Opinion and Programming at CNN Digital and has held leadership roles at The Wall Street Journal, Quartz, and the Los Angeles Times. She is also the founder of Epicenter-NYC, a community-driven local news outlet serving New Yorkers. If you found this conversation helpful, like this video and follow @electorette for more political midterm coverage, election analysis, and nuanced discussions that go beyond the headlines. 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  He started plumbing at 19. Last year he sold $800,000 in residential plumbing — and installed every job himself. This is his exact playbook. Payton Sword is a plumbing technician at Steve Huff Plumbing, Heating & Air in Kingsport, Tennessee — and a 4x Crown Champion at CertainPath, the program's top sales tier. Last year he sold roughly $800,000 in residential plumbing. No sales/install split, no handing the job off: every technician at Steve Huff sells the work and does the work. Payton was hired at 19 — at the same shop his dad worked for back in 1996. The company put him through 15 months of ride-alongs, trainings, and schools before he ever got his own truck. Today the shop's 12 plumbing technicians train four days every month: full service-call roleplays with homeowner personalities, DISC profiles, and a "switch method" that swaps techs mid-roleplay to keep everyone sharp. In this episode, Payton walks Bob Houchin through his entire service call, start to finish — from the drive-time research to the same-day install. In this conversation, you'll discover: • The $800K reveal — and why he installs every job he sells • The at-the-door credibility statement he delivers on every single call • Why he never asks permission to run the whole-house safety inspection — "it's a value creator" • Builder-grade vs. professional fixtures — and the restaurant question that sells Totos • The four-option presentation with everything on the top option • Present the top option, ask for the business — then go silent • "Is it only the money?" — his answer to "I should get another bid" • The authority close: "What were you expecting to spend today?" • Why the shop trains four days a month — and why it produces Crown Champions  Whether you run a plumbing company, manage a service team, or you're a tech chasing Crown Champion numbers — Payton's process is a masterclass in trust-first, education-driven selling. 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 Show 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 Host Bob Houchin has spent 20+ years immersed in the home services industry — listening to, learning from, and serving the people who run it. As host of The Successful Contractor, he's interviewed hundreds of the brightest minds in the trades. Beyond the mic, Bob is a Senior Strategist at CertainPath, building the training, onboarding programs, keynotes, and playbooks used by 1,200+ residential service companies. His motto: smart contractors learn from their mistakes; wise contractors learn from the mistakes of others. About CertainPath CertainPath is a business coaching and training organization that has built successful home service businesses for more than 25 years. We serve 1,200+ member companies across HVAC, plumbing, electrical, and roofing with professional coaching, training for every role, software solutions, and a vendor partner network that delivers millions in member rebates every year. Doubling your sales with a 20% net profit and an inspiring company culture is ALL possible. With CertainPath, Success is Made Certain. Visit www.mycertainpath.com for more information.

Stijn Schmitz welcomes back Colonel Douglas Macgregor to the show. Douglas is a Retired U.S. Army Colonel and a Decorated Combat Veteran. In their discussion, Macgregor assesses the leaked 14-point MOU between Iran and the United States as an admission of strategic defeat, signaling that Iran has emerged victorious from the conflict. He emphasizes that the war is not over, predicting Israel will soon resume its offensive, prompting an Iranian counterattack and forcing President Trump to reengage militarily, albeit briefly, before ultimately disengaging. Macgregor argues that the United States was doomed to lose due to Iran's mastery of integrated surveillance and strike capabilities, which render traditional naval and air superiority ineffective without robust ground forces, a capability he claims the U.S. currently lacks. Shifting to economic implications, Macgregor advises a focus on energy, metals, minerals, fertilizer, and food as the only secure investments in the current climate, dismissing AI and SpaceX as speculative bubbles. He warns that the Strait of Hormuz remains at risk, ensuring oil prices will surge again as global demand outpaces supply, with countries racing to build strategic reserves. The depletion of the U.S. Strategic Petroleum Reserve and the potential for further conflict will drive inflation and economic instability, likening the coming effects to a tsunami. He foresees a structural reset where American military hegemony retreats, leading to the collapse of artificial state boundaries in the Middle East and the rise of Iran and Turkey as dominant regional powers, which will reshape alliances and likely end Israel’s long-term viability. Macgregor also discusses the financial front, projecting that gold will reemerge as the ultimate reserve currency, with prices potentially reaching $10,000, while Bitcoin may serve as a transactional alternative to the dollar. He underscores that the geopolitical shifts will redirect American focus inward, forcing a painful but necessary reorientation toward domestic prosperity and core industries. Overall, his analysis presents a bleak near-term outlook marked by military defeat, economic disruption, and profound global realignment. Timestamps: 00:00:00 – Introduction 00:00:45 – Iran US MOU Assessment 00:06:00 – Energy Metals Commodity Focus 00:08:50 – Oil Prices and Reserves 00:11:50 – Rise of Iran & Turkey 00:20:14 – Trump Pressures & MOU 00:23:30 – Gold and Bitcoin Outlook 00:27:56 – U.S. Strategic Petro Reserve 00:31:38 – Sulphuric Acid, Urea, & Ag. 00:34:47 – Use of Ground Forces? 00:37:08 – Gold In A Tsunami 00:38:50 – Purchasing Power Gold & BTC 00:40:01 – Substack and Final Remarks 00:42:11 – 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.

The state of public education is a mess. At the heart of it is a real struggle about a fundamental question: How much tech should our kids be exposed to daily in the classroom?Contrary to what parents have been told by public schools nationwide, there is no single one-size-fits-all solution for kids and that includes the use or non-use of tech tools like artificial intelligence (AI) in classrooms.Also, did those high-tech school districts warn you your kid's basic math skills would erode so much that she/he would be tethered to a tech device for the rest of their lives?Priten Soundar-Shah, author of Ethical Ed Tech: How Educators Can Lead on AI and Digital Safety in K-12, shares a better way forward based on the intelligent and deliberate use of technology that fosters better engagement in our public schools this week on Spirit Gym. Learn more about Priten and his much-needed work in the non-profit sector at his website. Listen to his podcast, Margin of Thought with Priten, on Apple Podcasts, Spotify, YouTube or wherever you listen to them. You'll find him on social media via Instagram, Linkedin and TikTok.Read the opening chapter of Priten's book, Ethical Ed Tech, for free at this website. Buy his book on Amazon, Barnes & Noble or Bookshop and upload your receipt, and you'll receive several free resources, including an exclusive bonus chapter and video course.Timestamps7:39 Living the life of a non-profit entrepreneur, tech tool-builder and teacher.19:14 The conversations about the role of tech in schools moved from teachers to big tech companies.26:03 Reading a book on how to read inspired the name for Priten's podcast.32:26 How do know what red is if you don't experience it?44:36 How do you persuade kids to eat vegetables and learn things too?50:19 Making things happen faster and easier — what tech does best — is often not the best environment for learning.58:00 Paul's crashing conversation with Claude about generating faulty AI art.1:02:47 There is no one-size-fits-all solution for improving education and that includes the use/non-use of tech like AI.1:11:40 Gamified engagement versus learning engagement.1:18:06 Are we so dependent on technology that your kid's basic math skills have been “downloaded” to a digital calculator on a cell phone?1:25:30 The case studies featured in Ethical Ed Tech provide scenarios and options for the ethical use of tech in schools, not absolute solutions.1:33:17 One unintended consequence of tech dominance in schools: A fixation on measuring and controlling every aspect of them (including reading and test scores).1:46:11 There's no community consensus on the purpose of schooling.1:53:36 The real-world limits on how much schools can solve external factors like personal flourishing, contributing to the world and how a kid feels about herself/himself away from school.2:03:21 Priten hopes schools will deal with AI faster than they did cell phones (10-15 years).ResourcesAI and the Future of Education: Teaching in the Age of Artificial Intelligence by Priten Soundar-ShahPedagogy FuturesAcademy 4 Social Civics The work of ConfuciusPaul's podcast conversations with Dr. Jared Horvath and Elizabeth NelsonThe Digital Delusion: How Classroom Technology Harms Our Kids' Learning — And How To Help Them Thrive Again by Jared HorvathThe Living Soil and the Haughley Experiment by Lady Evelyn Barbara BalfourFind more resources for this episode on our website.Music Credit: Meet Your Heroes (444Hz), Composed, mixed, mastered and produced by Michael RB Schwartz of Brave Bear MusicThanks to our awesome sponsors:PaleovalleyBIOptimizers US and BIOptimizers UK PAUL15Organifi CHEK20Wild PasturesPique LifeSpirit GymCHEK InstituteWe may earn commissions from qualifying purchases using affiliate links.

One of the most common—and least examined—words in politics is authenticity. We hear it constantly when discussing candidates, campaigns, and electability. But who gets to be seen as authentic? And are all candidates judged by the same standard? In this episode of The Margin, Jen Taylor-Skinner speaks with political strategist Maya Rupert, author of The Real Ones: How to Disrupt the Hidden Ways Racism Makes Us Less Authentic. Together, they explore how race, gender, and unconscious bias shape perceptions of authenticity in politics—and why those perceptions can have real consequences for candidates and campaigns. Drawing on examples ranging from Kamala Harris and Barack Obama to Donald Trump and Jasmine Crockett, Rupert argues that authenticity is often less about honesty than about who voters and the media are willing to see as credible, relatable, and trustworthy. As the 2026 midterms approach and attention begins to shift toward 2028, this conversation offers a timely look at the hidden standards that continue to shape American politics. The Margin is a special election series from The Electorette and URL Media exploring the races, issues, and voters that will shape the future of American democracy. Learn more about your ad choices. Visit megaphone.fm/adchoices

The episode explores why golfers should not expect to feel fully comfortable on the course, especially under pressure, and how accepting nerves, bad swings, or lingering fears can help keep a round together. There is also a debate about whether golfers should tee the ball up on par threes, which is tied to a larger conversation about margin for error, reducing big mistakes, and testing what works best for your own game. Finally, the episode covers how on-course personality affects performance, and why finding the right balance between focus on the ball and staying relaxed between shots can be a major unlock for both scoring and enjoyment. Thanks to our show sponsors Lagoon Sleep, For Wellness, Strike Wedge, Rhoback, Ridge, and LMNT Lagoon Sleep helps you find the right pillow for your sleep position and body type with a quick two-minute quiz, giving you a more personalized setup for better rest and recovery. Their adjustable pillows are trusted by elite athletes and can help with neck support, cooling, and waking up without aches or pains. Sweet Spot listeners can get 15% off by going to lagoonsleep.com/sweetspot and using promo code SWEETSPOT. • Golfers who care about their game should care about taking care of their bodies too. The Good Stuff from For Wellness is a small scoop that can be added to coffee, smoothies, or protein shakes, with ingredients like collagen for joint support, L-theanine for focus, MCTs for energy, cinnamon for antioxidants, and Himalayan salt for minerals and electrolytes. For Wellness conducted an IRB-approved study showing up to an 85% reduction in joint stiffness in 60 days, and the brand has over 12,000 five-star reviews. Sweet Spot listeners can get the best price on a 90-day subscription and welcome kit at ⁠⁠⁠⁠forwellness.com/sweetspot⁠⁠⁠⁠ with promo code SWEETSPOT for an extra 10% off. • Most golfers don't need more swing thoughts — they need better feedback on impact. That's what I like about Strike Wedge: it's a simple, portable training aid that helps you work on the three things that matter most for better ball striking — low point control, path, and strike location. You can use towels, bottles, and other DIY setups for some of this, but Strike Wedge puts it all into one tool that fits in your golf bag and makes your practice more organized. If you're trying to improve your contact without overcomplicating your swing, this is a smart training aid to check out. Go to ⁠⁠http://strikewedge.com/sweetspot⁠⁠ to get 15% off • Rhoback makes some of the best golf apparel we've worn. Their polos are incredibly comfortable with moisture-wicking fabric, plenty of stretch, and a crisp collar that works on and off the course. They're got a couple of new releases for spring - the Highlands Hoodie—lightweight with great mobility for golf—and the Brookline Vest, a perfect layering piece for cooler tee times. Get 20% off your first order ⁠⁠⁠⁠⁠https://rhoback.com/⁠⁠⁠⁠⁠ using promo code SWEET. • As the weather gets warmer, staying properly hydrated on the golf course becomes even more important. LMNT's new Lemonade Iced Tea flavor combines electrolytes, magnesium, and potassium with no sugar or questionable sports drink ingredients, plus caffeine from black tea extract for a steadier energy boost. Because the caffeine comes from tea, it's naturally paired with L-theanine and polyphenols, which can feel smoother than the spike-and-crash effect of many energy drinks. For golfers looking for hydration and a little back-nine energy, this is a great option to try. With any purchase you're going to get a free sample pack. To claim your special offer visit ⁠⁠drinklmnt.com/sweetspot • The Ridge Wallet is a slim, modern alternative to bulky leather wallets, designed to fit comfortably in your front pocket while still holding up to 12 cards and cash. Made with premium materials like aluminum, titanium, and carbon fiber, Ridge wallets include RFID-blocking technology, a lifetime warranty, and over 50 colors and styles to choose from — making them a great Father's Day gift. For a limited time, get up to 40% off during Ridge's Father's Day Sale at Ridge.com/sweetspot, and after you purchase, let them know we sent you. Learn more about your ad choices. Visit megaphone.fm/adchoices

Fred Voccola, CEO of Simpro Group, explains how SMBs are using AI to boost efficiency, turning 5–7% margins into over 25% through optimized scheduling and job management. He highlights how AI acts as a digital workforce, helping smaller businesses scale profitably while larger enterprises face disruption from AI-driven efficiencies.======== 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

Je sychravý podzim 1957 a on je už 17 dní na útěku. Vyhýbá se silnicím i místům, kde žijí lidé. Jeho cílem je stodola u osamělého stavení ve Václavovicích. Dům jeho milenky je na dohled… Tento případ z 50. let nemá jen dva pachatele. Další viníci ale předvoláni před soud nebudou. Jsou to příslušníci Sboru národní bezpečnosti. Zanedbali vyšetřování i ostrahu a nechali hlavního pachatele dvakrát uprchnout. Začalo to až komickými krádežemi v Domě pionýrů a skončilo vraždou.

'What "fucked" actually means in ecommerce and the two ways brands get there: over-buying stock and operating at a loss'Ryan sits down with Paul Waddy, author of Shopify for Dummies, former Head of Operations at Showpo, former CEO of The Horse, and founder of Learn eCommerce, fresh off one of the standout keynotes at Retail Fest: "How to Unfuck Your Business in Three Steps."Paul shares his journey from suitcases of shoe samples in Guangzhou to coaching hundreds of ecommerce brands including Naked Sundays, Budgy Smuggler, Maison de Sabré and LSKD, and breaks down exactly why so many ecommerce businesses are losing money without realising it, and the formulas to fix it.Packed with hard numbers: target margins, ad spend benchmarks, inventory formulas and the metrics every founder should be tracking daily.WHAT YOU'LL LEARN• What "fucked" actually means in ecommerce and the two ways brands get there: over-buying stock and operating at a loss• Why high revenue can hide a failing business, and why some founders are "the lowest paid workers in Australia"• The three foundations of a healthy ecommerce business: sales, gross profit, and OPEX + inventory• The break-even formula: OPEX ÷ gross profit• Why you need a ~70% product margin in today's market• The inventory formula: forward cover = lead time + 30 days safety stock• Why ad spend should stay under 20% of net revenue (MER) with a 20% net profit target• The #1 trait of successful founders: humility• Why ecommerce businesses are valued on EBITDA multiples (2–4x), not revenue• Underrated organic channels: SEO, newsletters, and why nobody in ecommerce is using Reddit (yet)TIMESTAMPS(00:00) Welcome Paul Waddy — "the godfather of Australian ecommerce"(01:11) From McDonald's and Bonds Couriers to trade union official(03:18) Flying to Guangzhou and starting a men's shoe brand(05:18) Hard lessons in wholesale margins and cash flow(06:08) Five retail stores, no profit — and the move to ecommerce in 2007(07:38) Joining Showpo: $100M with no external funding(08:50) CEO at The Horse and the start of advisory (Muscle Republic, Babyboo, and more)(09:52) Building Learn eCommerce: coaching hundreds of brand owners(12:11) What does a "fucked" business look like? The two killers: stock and operating losses(14:14) "You're the lowest paid worker in Australia" — why revenue hides the truth(17:56) "Time till I'm fucked" — the metric every founder should know(19:17) The three steps: sales, gross profit, OPEX & inventory(22:00) Margin targets, logistics under 10%, merchant fees under 3.5%(24:29) A warning about the "scale bros" and taking on debt to grow(25:22) Inventory formulas: forward cover and monthly stock budgets(28:14) The #1 trait of successful founders: humility(30:36) How often should you check your numbers? (Daily.) Forecasting within 2%(32:45) How to beat competitors with bigger ad budgets: differentiation(36:47) EBITDA multiples and why profit — not revenue — determines what your business is worth(39:48) Should you build to exit from day one?(41:30) Ad spend benchmarks: why MER should stay under 20%(44:24) Hot take: the channels everyone is sleeping on — SEO, newsletters and Reddit(48:50) How brands can actually use Reddit (without getting downvoted)(52:31) How to work with PaulKEY FORMULASBreak-even: OPEX ÷ gross profit (if monthly OPEX exceeds gross profit, you're losing money)Forward cover: lead time + 30 days safety stock (e.g. 60-day lead time = hold 90 days of stock)Monthly stock budget: planned sales × COGS % (e.g. $100K sales at 30% COGS = $30K stock buy)Benchmarks: ~70% margin | logistics

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. If you're ready to invest in better sleep and better recovery, check it out at https://thehappyhustle.com/mygreenmattress =================================================================== Ozlo Sleep If you've been struggling to fall asleep, stay asleep, or just wake up feeling actually rested, let me put you on to something that's been a total game-changer: Ozlo Sleep. These aren't your typical sleep buds. They're designed to block out noise and help your brain fully relax, so you can drift off faster and stay in deep, uninterrupted sleep. Perfect if you're a light sleeper or just want that next-level rest. If you're ready to upgrade your sleep and wake up feeling recharged, check out https://ozlosleep.com and save $80 OFF using code HAPPY.

The Wisconsin Senate Democratic Leader on childcare, affordability, and the fight over Trump's anti-weaponization fund. Wisconsin is once again at the center of American politics. In this episode of The Margin, Wisconsin Senate Democratic Leader Diane Hesselbein joins me to discuss her effort to prevent taxpayer dollars from being used to compensate January 6 insurrectionists and fake electors through the Trump administration's proposed anti-weaponization fund. We also discuss Wisconsin's childcare affordability crisis, the looming expiration of childcare support programs, rising costs facing working families, and why Democrats believe they have a real opportunity to win a blue trifecta in Wisconsin this November. The Margin is a special midterm election series from The Electorette and URL Media examining the races, issues, and communities that will shape the 2026 elections. Topics:• Trump's anti-weaponization fund• Wisconsin fake electors• Childcare affordability• Cost of living and family budgets• Wisconsin state politics• 2026 midterm elections• Democratic strategy in battleground states Follow The Electorette:https://www.electorette.com Subscribe to The Electorette on Substack:https://electorette.substack.com Watch episodes of The Electorette & The Margin on YouTube: https://www.youtube.com/@electorette #TheMargin #Electorette #WisconsinPolitics #Midterms2026 #StatePolitics #Democrats #BattlegroundStates #Election2026 Learn more about your ad choices. Visit megaphone.fm/adchoices

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.

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 $17 million in residential HVAC sales. One comfort advisor in Boise, Idaho. Here's how Cord Nichols sells the top-tier system — every time. Cord Nichols isn't a closer who shows up Friday with a quote book. He's a comfort advisor at Diamond Heating & Cooling in Boise, Idaho — and he's quietly sold roughly $17 million in residential HVAC, including $2.25 million last year alone. He's a 7x Crown Champion at CertainPath, the program's top sales tier. Cord didn't start in HVAC. His first sales job was door-to-door — security in his early twenties. He moved to Utah looking for a wife, found her, then sold solar door-to-door before the solar industry tightened in the mid-2010s. Wanting a trade he could "sink his teeth into" — and not be a one-trick pony — he approached Diamond cold. He'd never sold HVAC. But owners Rick and Sue Ellen hired him for his sales background. Today he's a Dave Ramsey debt-free dad of four (with a fifth on the way) who recently paid off his mortgage — all on residential HVAC sales. In this episode, Cord walks Bob Houchin through the exact playbook — every question he asks, every option he names, every word he uses — for turning a single in-home consultation into a top-tier HVAC sale. In this conversation, you'll discover: • The $17M reveal — and the on-camera moment where Bob puts the career number on record • Why Cord opens every options reveal by repeating the customer's own words back to them • The Kia-vs-Toyota framing he uses to explain tiered HVAC systems in 30 seconds • The "Is there any reason I can't ask for your business today?" close — and the three answers it always produces • Why Cord names options after the customer's hobbies (the "14-Point Buck" move) • The clipboard intro that disarms skeptical homeowners ("I'm just going to be taking some notes") • "I am your one throat to choke" — the post-sale handoff line that earns lifelong customers  Whether you're a comfort advisor working to break $2M for the first time, a sales manager building a residential HVAC playbook, or an owner trying to understand what consistent top-tier closing looks like — Cord's process is a masterclass in trust-first, conviction-led HVAC sales. 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 Cord Nichols is a comfort advisor at Diamond Heating & Cooling — a family-owned, values-based HVAC company in Boise, Idaho, founded by Rick and Sue Ellen. After several years selling door-to-door (security in his early twenties, then solar in Utah and Idaho), Cord joined Diamond with zero HVAC experience and a strong sales background. He's now a 7x CertainPath Crown Champion with roughly $17 million in residential HVAC sales — including $2.25 million in his most recent year. He lives in Boise with his wife and four kids (with a fifth on the way) and recently paid off his mortgage as a Dave Ramsey debt-free family. 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/

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)

Connecticut is taking a different approach. While many states have moved to restrict access to the ballot, Connecticut expanded voting access by passing its own John R. Lewis Voting Rights Act and implementing no-excuse absentee voting. At the same time, state leaders have found themselves responding to federal immigration enforcement, protecting access to schools and public services, and addressing rising costs for residents. In this episode of The Margin, Connecticut Governor Ned Lamont joins Jen Taylor-Skinner to discuss the state's efforts to strengthen voting rights, resist federal voter-roll requests, protect immigrant communities, and increase civic participation. They also discuss Connecticut's high electricity costs, the regulation of utility companies like Eversource, and what states can realistically do to make life more affordable for residents. As the nation approaches its 250th anniversary, Lamont argues that states have an important role to play in protecting democratic participation and ensuring that residents feel invested in their communities. Follow @electorette on YouTube and Instagram, and subscribe wherever you get your podcasts for more political midterm coverage, election analysis, and nuanced discussions that go beyond the headlines. Learn more about your ad choices. Visit megaphone.fm/adchoices

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.

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.

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

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.

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

❓ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Have a money question? Ask Ramsey is here to help.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠