Podcasts about Margin

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

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

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

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

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

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

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

Stephen Grootes speaks to Tiger Brands CEO, Tjaart Kruger, about the company having improved overall revenue by 2.7% to R34.4 billion and increased gross margin from 29.1% to 31.3% against prior year on a comparable basis. This result is based on continuous improvement initiatives, including value engineering, logistics optimisation, and factory efficiencies. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.    Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Follow us on social media   702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

MustGrow Biologics Corp Chief Executive Officer Corey Giasson joined Steve Darling from Proactive to discuss the company's financial results for the three months ended September 30, 2025, highlighting a meaningful step forward in revenue generation and margin performance. During the quarter, MustGrow reported revenue of $0.8 million, marking a significant improvement from the same period last year, when the company recorded no revenue. Gross profit for the quarter totaled $180,555, resulting in a gross margin of 22.9%, up from 20.9% in the second quarter of 2025. Giasson attributed the sequential improvement in margins to a stronger mix of higher-margin product sales through the company's Canadian sales and distribution division, NexusBioAg. From a balance sheet perspective, MustGrow ended the quarter with $3.3 million in cash and cash equivalents, along with $1.9 million in inventory on hand. Giasson noted that the company remains disciplined in its capital allocation strategy, continuing to focus on investments that support revenue growth across both its NexusBioAg Canadian operations and its TerraSante biofertility product sales in the United States. Giasson also emphasized the seasonal nature of the company's business, pointing out that the third calendar quarter is typically the lowest revenue “shoulder season” for Canadian agriculture, as farmers are more focused on harvesting activities rather than purchasing crop input products. Despite this seasonal slowdown, he said the company continues to make progress in strengthening its commercial platform and positioning itself for improved sales performance in future quarters. #proactiveinvestors #mustgrowbiologicscorp #tsxv #mgro #otcqb #mgrof #mustardseed #TerraSante #Biofertility #Agriculture #BiologicalFarming #RegenerativeAg #SustainableFarming #NexusBioAg #AgTech #CropProtection #FarmingInnovation #CanadianFarming #adjuvantsplus

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

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

Learn why it's crucial for restoration contractors to understand markup vs. margin and overhead to avoid costly mistakes and improve their profitability.

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

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

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

In this episode, Brandon sits down with Matt Molaski, one of the driving forces behind MarginEdge, the back-office platform that's redefining how restaurants manage costs, invoices, inventory, and real-time P&Ls.Matt brings the rare combination of being both a tech leader and a former restaurant worker— which means he actually speaks our language: tickets, invoices, chaos, and the grind. We dig into:The origin story of MarginEdge and how solving their own operational frustration led to a platform now used by thousands of restaurants nationwide.Why invoice automation isn't just a time saver — it's a decision-making tool that gives operators visibility within 24 hours instead of 24 days.How real-time food and labor costs shift the entire culture of a restaurant team when everyone has the same truth in front of them.Inventory that doesn't suck — why most restaurants avoid it, and how MarginEdge made it faster, cleaner, and more operator-friendly.Menu analysis and plate costing that actually impacts pricing and profitability.Matt's insights on tech adoption inside independent restaurants, why owners resist new tools, and what finally creates the “ah-ha” moment.The role of platforms like MarginEdge in supporting multi-unit operators, group purchasing, and the broader mission of increasing restaurant margins without sacrificing hospitality.If you've ever looked at end-of-month financials and thought, “Well… I guess we'll try better next month,” this episode is a wake-up call. Matt breaks down how operators can move from reactive to proactive — with data you don't need a CPA or a spreadsheet hobby to interpret.Learn more about MarginEdge: marginedge.comFollow Nashville Restaurant Radio for more conversations with leaders shaping the hospitality community @nashville_restaurant_radio

This week Luke and Mike discuss the hog market selloff. The outside market influence seems to be piling into the protein markets. Listen to Lukes concerns this week on the hog market talk podcast. 

Faan van der Walt – CEO, WeBuyCars SAfm Market Update - Podcasts and live stream

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Learning the art of leaving space in our lives.

It's one of the most valuable things we have—and one of the easiest to waste. We've all heard the saying, “Time is money.” But if that's true, why do we spend it so carelessly? The truth is, time is worth far more than dollars and cents—it's the most limited resource God has given us. Learning to steward it well isn't just good productivity advice—it's an act of worship.If you've ever said, “I just need a little more time,” you're not alone. Many of us feel the pressure of time slipping through our fingers. Ironically, we often spend our days chasing money, status, or success—only to run out of the very thing we were trying to “buy back.”We treat time like a renewable resource when it's really more like a savings account that's constantly being drawn down. Every hour that passes is one you'll never get back. Yet our culture tempts us to equate our worth with how much we earn or produce.A Biblical View of TimeScripture offers a radically different view. In Psalm 90:12, Moses prays, “Teach us to number our days that we may get a heart of wisdom.” He's not talking about counting hours on a clock but realizing that our time is limited—and therefore deeply valuable.From a biblical perspective, time isn't ours to manage however we wish. It's a gift from God, entrusted to us for His purposes. Just as money and talents belong to Him, so does our time.In Ephesians 5:15–16, Paul writes, “Look carefully then how you walk, not as unwise but as wise, making the best use of the time, because the days are evil.” The original Greek phrase for “making the best use” literally means “redeeming the time”—buying it back for God's glory. It's the same word Paul uses elsewhere to describe what Jesus did for us on the cross.Christ redeemed us from sin and emptiness, giving our lives eternal meaning. In the same way, we're called to redeem our time—to invest every moment, conversation, and decision in what will last forever.Here's the catch: if you don't decide what your time is worth, someone else will. Your job, your phone, your inbox, even social media—all have plans for your time. Unless you set boundaries, your days will fill up with things that seem urgent but aren't truly important.Jesus modeled something completely different. Even with the most important mission in history, He took time to rest, pray, eat with friends, and be fully present with people. He had the margin to be interrupted—to stop for the sick, listen to the hurting, and teach those who were searching. He never rushed, yet He always fulfilled the Father's will.How to Steward Your Time WellSo how can we live as if our time truly belongs to God?1. Reevaluate Your PrioritiesEvery decision is a trade. When you say yes to one thing, you say no to something else. Ask yourself, “What matters most in God's eyes—and am I giving that my best time?”2. Measure Time by Meaning, Not MoneyOur culture values time by dollars per hour, but God's economy works differently. A quiet afternoon encouraging a friend may not pay in cash—but it yields eternal dividends. As Jesus said, “Seek first the kingdom of God and His righteousness, and all these things will be added to you.”3. Build Margin into Your LifeJust as financial margin creates freedom to give, time margin allows you to live generously. When you're not overscheduled, you can pause to listen, serve, or rest. Sabbath isn't wasted time—it's holy time that reminds us that God is in control.4. Steward Small MomentsEternal impact isn't found only in big events. It's in the five minutes you pray for someone, the ten minutes you spend in Scripture, or the conversation that points someone to Jesus. As Colossians 3:17 reminds us, “Whatever you do, in word or deed, do everything in the name of the Lord Jesus.”Making Your Hours Count for EternityWhen you see your time through an eternal lens, every moment takes on new meaning. You stop chasing the clock and start cherishing what truly matters. Missionary C.T. Studd once wrote, “Only one life, 'twill soon be past; only what's done for Christ will last.”So what's your time really worth? It's worth exactly what you invest in eternity.Don't just count your hours—make your hours count. Live intentionally. Rest purposefully. Serve generously. And let every day remind you of the One who holds all time in His hands.On Today's Program, Rob Answers Listener Questions:I have two kids—a 14-year-old and a newborn—and just opened brokerage accounts for them. What are the best investment options, especially for my newborn with a longer time horizon? I'd like something more flexible than a college savings plan.I retired at 59 and receive Social Security disability. My home is paid off, I have no debt, and I have savings in retirement and trading accounts. I'm thinking about buying a new car with cash to avoid debt, but would it be wiser to finance or lease instead?I recently bought an RV with dealership financing at 7.9% for 20 years, though I don't plan to keep it that long. Does simple interest work the same across all banks, and is there a good calculator for figuring out principal payments on early payoff? Also, where could I refinance to get a lower rate?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Calculator.net | Credit Karma (Simple Loan Calculator) | Calculator SoupList of Faith-Based Investment FundsWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

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“Cuando un barco se hunde en cualquiera de los siete mares, se hace una anotación en el libro de Lloyd's y repica la vieja campana. Durante un tiempo, me gustó entrar en el gran vestíbulo para observar el trajín matutino y acercarme a la famosa campana. Lloyd's nació en 1688 en un café de Tower Street en el que se reunían banqueros, navieros y comerciantes para hacer negocios. El dueño, Edward Lloyd, llegó a publicar un periódico con lo que escuchaba a la clientela. El seguro como negocio sistemático se inventó en aquel café”. Así lo cuenta Enric González en mi guía favorita de Londres. Este es un podcast sobre el funcionamiento de las aseguradoras en el incierto mercado.Antiguos episodios.K158. Álvaro Conesa. Underconsumption.Kapital es posible gracias a sus colaboradores:Smartick. El método online de matemáticas y lectura.¿Quieres el mejor futuro para tus hijos? En deporte, España es una potencia mundial, pero en matemáticas y comprensión lectora sigue sin remontar en PISA. Tú puedes cambiar eso para tus hijos. Si tienen entre 4 y 14 años, con Smartick conseguirán dominar los pilares de su educación: matemáticas, comprensión lectora, escribir bien y con claridad, pensamiento crítico. Solo 15 minutos y listos, con un método online personalizado y basado en evidencias científicas. Detrás hay más de 100 expertos en didáctica, empeñados en que tus hijos alcancen su máximo potencial. Cada día recibirás un informe con su evolución y la posibilidad de consultar en todo momento con el equipo. Smartick fomenta la constancia, el gusto por el reto, los buenos hábitos… y también un uso responsable de la tecnología.Prueba 7 días gratis y, si contratas, consigue un precio especial añadiendo el código KAPITAL.⁠Balance Phone⁠. El móvil sin distracciones.Balance Phone nace como una rebelión contra la dependencia digital. Un teléfono sin redes, sin juegos, sin algoritmos que compiten por tu atención. Solo lo esencial. Diseñado para familias que quieren dar un primer móvil sin riesgos a sus hijos y para minimalistas digitales que quieren recuperar el control. No es un Nokia. Es un Samsung con sistema operativo propio, el Balance OS, que bloquea de raíz todo contenido adictivo (redes, pornografía, juegos, apuestas y streaming) y simplifica la interfaz para que usarlo sea una decisión, no un reflejo. 9 meses después de su lanzamiento más de 3.000 persones ya usan Balance Phone. Y lo más importante, con un tiempo de uso diario de 1 hora y 41 minutos, 3 horas por debajo de la media.En Balance Phone no quieren que vivas sin móvil. Quieren que vivas mejor con él.Utiliza el código KAPITAL en su fantástica web para obtener un descuento de 20€.Patrocina Kapital. Toda la información en este link.Índice:0:32 Las regulaciones siempre protegen a las empresas grandes.8:52 La apuesta de Albert en el sector de los seguros médicos.12:24 Síntesis del negocio bancario.26:48 La inflación es el incremento de la masa monetaria.38:35 ¿Quién está detrás de Apollo?49:40 La argentinización del mundo.57:42 El economista es como un médico.1:04:42 ¿Cuál es el seguro para una guerra nuclear?1:16:21 La campana de Lloyd's.1:30:15 El cálculo económico de los austríacos.1:41:40 Carteras con aversión a las pérdidas. 1:48:12 Se retirará Álvaro antes de que saquen el GTA6.Apuntes:Actualidad & Bolsa. Álvaro Conesa.Historias de Londres. Enric González.La gran apuesta. Adam McKay.Margin call. J.C. Chandor.Against the Gods. Peter Bernstein.El cisne negro. Nassim Nicholas Taleb.

Should the S&P go higher? Today we discuss that and more in this wide-ranging episode. We talk the markets, and warn that investors often cling to bad positions instead of reassessing when wrong, noting that current valuations are stretched and the market appears overextended. There is rising corporate caution during earnings season, weak performance among consumer staples and cyclicals, and the growing dominance of the "Magnificent Seven" tech stocks in driving the S&P 500's gains. AI-related capital expenditures and record margin debt levels suggest heightened risk, so you should remain defensive and patient as market conditions soften despite entering a historically strong seasonal period. We discuss...  New York City's election of a socialist-leaning mayor and question how it might impact the city's historically capitalist foundation. Drawing a parallel to investing, we stress the need to reassess assumptions when investments go against you instead of clinging to them. The current market is overextended, with valuations significantly above historical trends and a concentration in a few large tech stocks. Consumer cyclicals and staples, normally defensive areas, have underperformed, suggesting caution for risk-averse investors. The "Magnificent Seven" tech stocks are disproportionately driving the S&P 500's performance, masking weakness in the broader market. AI-related capital expenditures are rising sharply, but returns on these investments remain minimal, highlighting potential overhype. Margin debt has reached record levels, indicating elevated risk if market sentiment shifts. Earnings season shows that even companies beating expectations may see stock declines, signaling that much of the positive news is already priced in. Weak market breadth—many stocks declining while a few outperform—indicates fragility and higher potential volatility. While a correction is possible, seasonal trends historically make late November through January a strong period for markets. Inflation is picking up modestly, while interest rates are being lowered, creating a complex environment for fixed-income investors. Private credit and real estate markets are showing early signs of stress, particularly as products are increasingly marketed to retail investors. Investors are advised to watch for opportunities in mispriced assets but remain cautious due to market overvaluation and potential downside risks. Overall, the discussion emphasizes patience, caution, and careful risk management amid uncertainty in politics, markets, and emerging technologies.   Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the show notes at https://moneytreepodcast.com/should-the-sp-500-go-higher-763 

Ever wonder why money so often reveals what we truly value? Today, we'll find out.You probably know that on Faith and Finance, Rob West is usually the one asking the questions. But today, we're turning the tables. Afton Phillips (Head of Content at FaithFi: Faith and Finance) is here to interview Rob West about a devotional project that he has been working on—one that goes straight to the heart of our financial lives.Afton Phillips is the Head of Content at FaithFi: Faith & Finance. The Heart Behind Our Ultimate TreasureWhen Rob first started writing Our Ultimate Treasure: A 21-Day Devotional to Faithful Stewardship, he didn't set out to create another resource about money management. He wanted to create a journey of the heart—a way for believers to rediscover what Scripture truly says about money and how it reflects our relationship with God.Over the years, Rob has had thousands of conversations with people who genuinely want to honor God with their finances but feel stuck or uncertain about how to begin. That longing—to be faithful, yet unsure how—has shaped everything about this devotional.Rob has spent his entire career at the intersection of faith and finance. Early on, he noticed something that changed how he viewed everything: it didn't matter whether someone had $60,000 in credit card debt or $60 million in investments—the struggles were the same. Money issues are heart issues.That's why Jesus spoke about money more than almost any other topic. Not because He needed our resources, but because He knew how easily our hearts become tangled up in them. The goal of this devotional is to help readers slow down and realign their hearts with God's purposes—to see money not as a source of stress or identity, but as a tool for worship.Jesus said, “Where your treasure is, there your heart will be also.” That simple truth sits at the foundation of everything we teach at FaithFi. How we spend, save, and give reveals what we treasure most.If we focus only on the surface—budgeting better, saving more, paying down debt—we might improve our circumstances but still remain captive to worry or pride. The real transformation happens when God changes our hearts. When our relationship with money is shaped by trust in Him, freedom begins to flow naturally.Moving from Ownership to StewardshipOne of the most freeing shifts in a believer's financial life is learning to see ourselves not as owners, but as stewards. When we live as if we own it all, we carry the crushing weight of control—every financial decision feels like it rests on our shoulders. But when we recognize that God owns it all and we're simply managers of His resources, everything changes.Stewardship invites us to ask a new question: “Lord, what do You want me to do with Your money?” That posture leads to peace, not pressure. It transforms spending into gratitude, saving into preparation, and giving into worship. When we release ownership, we stop building our own kingdoms and start participating in God's.Biblical wisdom provides a framework for every financial decision we make. The world tells us to chase comfort and security; Scripture calls us to pursue faithfulness. God's financial principles aren't restrictive—they're protective.When we live within our means, avoid debt, plan diligently, and give generously, we're reflecting the nature of an orderly, generous, trustworthy God. Over time, those choices form habits—habits that produce margin, contentment, and generosity. Wisdom doesn't just shape our money; it shapes our hearts, making us look more like Christ.The Gift of Margin, Generosity, and LegacyOne of the devotionals in Our Ultimate Treasure focuses on the concept of margin. In our culture, we tend to fill every dollar, every minute, and every ounce of energy. But when our lives are maxed out, there's no space left for God to move.Creating margin is an act of faith. It's how we say, “Lord, I trust You enough not to live at the edge.” When we budget below our income or leave breathing room in our schedules, we acknowledge that God—not us—is the provider. In that space, we often experience His peace, His provision, and His direction in powerful ways.At FaithFi, we often say that generosity isn't just about giving—it's about joining God in His redemptive work. When we give, we participate in something far greater than ourselves.Generosity becomes a reflection of God's heart and a visible expression of His love in the world. The fruit of generosity isn't measured in numbers but in lives changed, needs met, and faith strengthened. 2 Corinthians 9:11 reminds us that God enriches us “in every way to be generous in every way.” Our giving is a response to grace—a way to align our hearts with His purposes and trust that every act of faithfulness has eternal impact.Ron Blue has often said, “Is the next steward chosen and prepared?” That question has also shaped how we should think about legacy.Legacy isn't about wealth—it's about faithfulness. Preparing the next steward means intentionally helping the next generation understand that everything belongs to God. If we pass on money without passing on wisdom, we've missed the point. Our responsibility is to model open-handed living, teaching those who follow us to hold God's gifts lightly and use them for His glory.A Hope for Every ReaderOur prayer for Our Ultimate Treasure is simple: that it would help readers see money through God's eyes and experience a renewed relationship with Him.When we understand that everything we have belongs to a generous Father, our posture shifts from fear to trust. We move from striving to surrender. Financial stewardship becomes less about mastering money and more about walking in freedom with God.If these 21 days lead someone to treasure Christ above all else—to trust Him more deeply and handle money in a way that honors Him—then this devotional has done its work.Our Ultimate Treasure is available to all who become a FaithFi Partner by December 31. Partners will also receive the latest issue of Faithful Steward magazine as well as an early release copy of Rob's new devotional whenever it is released in January 2026. Join us at FaithFi.com/Partner. On Today's Program, Rob Answers Listener Questions:I'm planning to remodel two bathrooms for about $35,000–$36,000. I have $10,000 saved for repairs, $25,000 in emergency savings, and $45,000 in dividend-producing stocks. Should I use some of the dividend money or take out a low-interest loan to cover the rest?I've enrolled in Medicare Part A but not Part B. My company has fewer than 20 employees and will soon only have one. I've heard conflicting advice about penalties for delaying Part B, even with proof of insurance. Should I enroll now or wait?If someone saves $10 a week for 30 years, how much would that grow to over time?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Schwab Intelligent Portfolios | BettermentWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Ever feel like you're running on empty? This episode digests vital research on "margin" in the lives of ag educators – that crucial buffer between your workload and your personal resources! Discover why having more margin is key to maintaining wellness, boosting creativity, and finding greater satisfaction in ag teaching. We'll share actionable strategies from the study on how you can protect and grow your margin, helping you stay energized and effective in the classroom.   Journal Article: https://jae-online.org/index.php/jae/article/view/2827

"AI can help us get to a destination faster... but it's not without some kind of oversight." - Catherine Holt Cat Holt is a marketing strategist, entrepreneur, and brand builder who has shaped some of the most iconic campaigns in modern advertising, including Progressive Insurance's Dr. Rick campaign. She is the Founder and Chief Brand Officer of Coologee, Inc., where she leads a one-team approach that blends agency expertise with client-side insight to drive measurable business impact. Cat also co-founded Lion + Owl, a kids' apparel brand that combines innovative design with a mission to promote kindness and inclusion. Previously, she held senior leadership roles at Falls & Co., Progressive Insurance, and several top agencies, helping brands evolve, grow, and connect with audiences in meaningful ways. Website: https://coologee.com/ LinkedIn: https://www.linkedin.com/in/catkolodij Instagram: https://www.instagram.com/coologee/# Substack: https://catholtcoologee.substack.com/   Michael Orkin is a professor, consultant, researcher, and author.  His most recent book is "The Story of Chance – Beyond the Margin of Error" (Innovative Ink, 2025).  He has appeared on numerous podcasts and TV shows and has been an invited speaker at many conferences.  Dr. Orkin has a B.A. in Mathematics and a Ph.D. in Statistics from the University of California at Berkeley.  He is currently a mathematics professor at Berkeley City College and Professor of Statistics Emeritus at California State University, East Bay.orm) Website: https://drmikeorkin.com LinkedIn: linkedin.com/in/dr-mike-orkin-5600584 Substack: https://drmikeorkin.substack.com/   In this episode, we explore how data, strategy, and creativity intersect to drive smarter decisions, stronger brands, and meaningful impact. Dr. Orkin and Cat Holt share insights from their respective worlds of statistics and marketing, showing how analysis and storytelling work together to shape success.   Apply to join our marketing mastermind group: https://notypicalmoments.typeform.com/to/hWLDNgjz Follow No Typical Moments at: Website: https://notypicalmoments.com/ LinkedIn: https://www.linkedin.com/company/no-typical-moments-llc/ YouTube: https://www.youtube.com/channel/UC4G7csw9j7zpjdASvpMzqUA Instagram: https://www.instagram.com/notypicalmoments Facebook: https://www.facebook.com/NTMoments

Kevin Green turns to the big headline taking up the oxygen Monday morning of a potential end to the government shutdown. While the ACA is something he sees remaining a contentious issue, SNAP funding being issued through next September offers a counterbalance of support. On the tech trade, Kevin notes TSMC's (TSM) 17% revenue growth as "slower" than past metrics but one that doesn't slow the bull run. He explains how a new phone and hardware cycle led by Apple (AAPL) offers a "margin driver" for TSMC. He also talks about Nvidia (NVDA) CEO Jensen Huang "threading the needle" of international relations.======== 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

"AI can help us get to a destination faster... but it's not without some kind of oversight." - Catherine Holt Cat Holt is a marketing strategist, entrepreneur, and brand builder who has shaped some of the most iconic campaigns in modern advertising, including Progressive Insurance's Dr. Rick campaign. She is the Founder and Chief Brand Officer of Coologee, Inc., where she leads a one-team approach that blends agency expertise with client-side insight to drive measurable business impact. Cat also co-founded Lion + Owl, a kids' apparel brand that combines innovative design with a mission to promote kindness and inclusion. Previously, she held senior leadership roles at Falls & Co., Progressive Insurance, and several top agencies, helping brands evolve, grow, and connect with audiences in meaningful ways. Website: https://coologee.com/ LinkedIn: https://www.linkedin.com/in/catkolodij Instagram: https://www.instagram.com/coologee/# Substack: https://catholtcoologee.substack.com/   Michael Orkin is a professor, consultant, researcher, and author.  His most recent book is "The Story of Chance – Beyond the Margin of Error" (Innovative Ink, 2025).  He has appeared on numerous podcasts and TV shows and has been an invited speaker at many conferences.  Dr. Orkin has a B.A. in Mathematics and a Ph.D. in Statistics from the University of California at Berkeley.  He is currently a mathematics professor at Berkeley City College and Professor of Statistics Emeritus at California State University, East Bay.orm) Website: https://drmikeorkin.com LinkedIn: linkedin.com/in/dr-mike-orkin-5600584 Substack: https://drmikeorkin.substack.com/   In this episode, we explore how data, strategy, and creativity intersect to drive smarter decisions, stronger brands, and meaningful impact. Dr. Orkin and Cat Holt share insights from their respective worlds of statistics and marketing, showing how analysis and storytelling work together to shape success.   Apply to join our marketing mastermind group: https://notypicalmoments.typeform.com/to/hWLDNgjz Follow No Typical Moments at: Website: https://notypicalmoments.com/ LinkedIn: https://www.linkedin.com/company/no-typical-moments-llc/ YouTube: https://www.youtube.com/channel/UC4G7csw9j7zpjdASvpMzqUA Instagram: https://www.instagram.com/notypicalmoments Facebook: https://www.facebook.com/NTMoments

Deuteronomy 5:12-15 NIV 12 “Observe the Sabbath day by keeping it holy, as the Lord your God has commanded you. 13 Six days you shall labor and do all your work,14 but the seventh day is a sabbath to the Lord your God. On it you shall not do any work, neither you, nor your son or daughter, nor your male or female servant, nor your ox, your donkey or any of your animals, nor any foreigner residing in your towns, so that your male and female servants may rest, as you do. 15 Remember that you were slaves in Egypt and that the Lord your God brought you out of there with a mighty hand and an outstretched arm. Therefore the Lord your God has commanded you to observe the Sabbath day.

9.35 rates the World Series (0:42), explores saves (5:31), reviews Noelvi Marte (20:11), and reviews Hunter Greene (26:50).

In this episode of Modern Chiropractic Mastery, Dr. Kevin Christie introduces the Margin Expander tool and discusses enhancing financial margins for better professional and personal well-being. Dr. Christie details the importance of cash flow, profit margins, cash reserves, debt management, and building a financial fortress. Additionally, he announces the Cash Confident Chiropractor online course starting on December 1st, 2025, designed to guide chiropractors in increasing revenue, understanding financial reports, planning cash flow, and creating a comprehensive financial plan for 2026.

The best gift you can give yourself this season might not come wrapped in paper or tied with a bow.The holiday season—from Thanksgiving through Christmas—can be one of the most joyful times of the year, but also one of the most stressful, especially when money's tight. What if you could celebrate the whole season without the financial regret that debt brings? The good news is—you can. With a few simple steps, you can enjoy the season, bless others, and keep peace in your heart and home.Start With a Spending PlanFrom the turkey to the tinsel, the holidays bring both delight and pressure. We want to give, to gather, and to make memories. But if we're not careful, the bills that follow can overshadow the joy.Begin by setting a total spending limit. Start with what you can afford, not what you wish you could. That number becomes your guardrail for the season. You're not being stingy—you're being wise. Every dollar you keep out of debt stays available for future generosity.Next, divide that total into categories—food, travel, gifts, decorations, charitable giving—whatever matters most to your family. Writing it down makes the plan tangible and easier to follow.If you're hosting Thanksgiving dinner, include the cost of groceries. If you're traveling, plan for gas or airfare now so you're not caught off guard later.Pay With Cash or DebitStudies show we spend about 30% more when paying with credit. Whenever possible, pay with cash or a debit card. If you must use a credit card, set a firm limit and stick to it.Some families even open a separate account just for holiday spending. It creates a natural boundary and helps avoid impulse purchases. There's real freedom in knowing you've already decided what's enough.Get Creative With GivingWhether it's hosting Thanksgiving dinner or wrapping Christmas gifts, remember—it's not about the price tag. A handwritten note, a framed photo, or a homemade pie can carry far more meaning than something store-bought.Acts 20:35 reminds us, “It is more blessed to give than to receive.” That blessing isn't about the cost—it's about the heart.If your children are old enough, invite them to help bake cookies for neighbors or make handmade gifts for grandparents. These shared experiences create memories that last far longer than the presents themselves.You can also use what you already have—redeem unused reward points or gift cards. It's one more way to keep spending within your means.Plan Ahead for Next YearWhen January rolls around, start setting aside a little each month for the next holiday season. Even $50 a paycheck can make a big difference. By next November, you'll be ready to give and celebrate without anxiety.If you prefer automation, set up a small transfer to a dedicated savings account. You'll hardly notice it leaving your budget—but you'll be grateful when the holidays return.Partner With a Faith-Based Financial InstitutionIf you're looking for a trusted place to save, consider our friends at Christian Community Credit Union (CCCU)—a financial institution that's been serving believers and ministries for over 68 years.They share your faith and are committed to helping you manage money in a way that honors God. Their savings accounts, digital tools, and personalized service can help you stay on track during the busiest time of the year.Right now, as a special offer to FaithFi listeners, you can receive up to a $400 bonus when you open a high-yield checking, savings, or Visa cash-back card. Visit FaithFi.com/Banking and enter the code “FaithFi” when you apply.Keep Your Focus on What Matters MostAs you prepare for Thanksgiving, take a moment to thank God for His provision. Gratitude is where wise stewardship begins. And as Christmas draws near, let your giving reflect the joy of God's greatest gift—His Son, Jesus Christ.When we give with grateful hearts and live with margin, we reflect His generosity to the world around us. Ultimately, this creates space for what matters most: faith, family, gratitude, and the celebration of Christ's birth.Even when finances feel tight, remember—lasting peace isn't found in numbers or careful planning, but in resting on God's faithful provision. That is the heart of faithful stewardship: learning to live not from scarcity, but from trust in the One who provides abundantly.And when you do, you'll find a joy that lasts long after the holidays are over.On Today's Program, Rob Answers Listener Questions:I've been on and off Social Security disability after a head injury, but was later able to return to work. They kept sending me payments even after I notified them I was earning more than allowed. Now that my cancer has returned and I may need to stop working again, how should I handle this with Social Security? Should I visit their office in person to get it sorted out?My wife and I own our home outright, but have built up significant credit card debt over the past few years. We're debating whether to take out a home equity loan or a reverse mortgage to get back on track. Which option would you recommend?We're selling our home and deciding whether to use all the proceeds to buy our next house or invest some of them in our retirement accounts to increase our monthly income. Which choice makes the most financial sense?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Christian Community Credit Union (CCCU)Movement MortgageWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode: Pam shows why margin isn't a luxury—it's the backbone of Christian leadership. You'll learn how to create intentional white space in your schedule and soul so you can lead with clarity, confidence, and better time management. You'll learn What margin really is and why leaders can't thrive without it. How margin clarifies calling and reduces decision fatigue (Psalm 46:10). Practical buffers and rhythms that improve time management (Ephesians 5:15–16). How to sayno without guilt so your yes is stronger (Galatians 1:10). Why Sabbath and solitude are strategic, not optional (Mark 6:31; Luke 5:16). Resources & Links: Want to take the Leadership Quiz? Click here. Join the Private Group for more Encouragement: [link] L.E.A.D. booklet [link] Truth Journal [link] 1:1 Coaching Session ($97) [link]  

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3342: Shailesh Kumar breaks down when margin investing makes sense, and when it absolutely doesn't. He outlines smart, situational uses for margin loans like temporary liquidity gaps or strategic tax planning, while warning against high-risk behaviors like chasing dividends or funding lifestyle purchases with borrowed money. This piece offers a clear, practical guide for investors who want to leverage margin responsibly without falling into financial traps. Read along with the original article(s) here: https://www.goodfinancialcents.com/when-should-you-use-margin-when-investing/ Quotes to ponder: "Margin is debt. You borrow capital from your broker to buy more assets, in most cases stocks." "Too much debt kills, but a little debt can go a long way towards giving you financial flexibility." "Multiple levels of leverage are financial insanity and can come back to bite you much sooner than you think." Episode references: The Margin Loan: How to Make a $400,000 Impulse Purchase: https://www.mrmoneymustache.com/2021/01/29/margin-loan-ibkr-review/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Why do so many Christians want to give more—but feel like they can't?Most of us want to be generous, but there are often barriers—spiritual, financial, or even emotional—that hold us back. Today, Ron Blue joins us to unpack five key reasons why Christians don't give more, and how we can begin climbing toward greater generosity.Ron Blue is a financial teacher, author, and co-founder of Kingdom Advisors. He has helped countless Christians apply biblical wisdom to their finances and is best known for his bestselling book, Master Your Money: A Step-by-Step Plan for Financial Contentment.Five Barriers to Generosity—and How to Overcome ThemGenerosity is one of the greatest marks of spiritual maturity, yet many Christians find themselves wanting to give more but feeling unable to do so. Over the years, most believers face five primary barriers to generosity. These form a kind of “pyramid,” with each level building on the one below it. The journey toward greater giving begins with the heart and ends with intentional planning.1. Spiritual Condition: The Foundation of GenerosityBefore generosity ever shows up in our bank accounts, it begins in our hearts. When we grasp who God is, who we are, and the grace that has been extended to us, generosity naturally flows from that understanding.The more we understand God's ownership and our role as stewards, the more we want to give. Spiritual maturity is the foundation—without it, our giving will always feel like an obligation instead of an act of worship.2. Financial Health: Creating Margin to GiveEven when our hearts are in the right place, poor financial habits can make generosity difficult. Many believers simply can't give more because they're weighed down by debt, overspending, or disorganization.It often takes time—sometimes even years—to align our finances with our convictions. That might mean getting out of credit card debt, restructuring a business, or learning to live within our means. When we get our financial house in order, we create margin for generosity to flourish.3. Vision: Seeing Where God Is WorkingPeople don't give to spreadsheets or buildings—they give to vision. When we can picture the impact of our giving, we're motivated to invest more deeply.A clear vision fuels generosity. Ask yourself: Where has God stirred my heart? What Kingdom work do I feel most passionate about? When we see how our resources can change lives—whether feeding children, funding missions, or supporting local ministries—we begin to give with joy and purpose.4. Community: Encouragement from OthersGenerosity rarely happens in isolation. We need relationships that encourage us to live open-handedly. When we surround ourselves with generous people—friends who talk about giving, pray about giving, and celebrate giving—we're inspired to do the same.Scripture reminds us that we are to “spur one another on toward love and good deeds” (Hebrews 10:24). Community reminds us that generosity isn't just an individual act—it's part of how the body of Christ functions together.5. Planning: Giving with IntentionFinally, generosity grows through intentional planning. I've seen it over and over in my work as a financial planner: when people create a plan for their giving, their generosity increases dramatically—sometimes fivefold.A plan brings clarity and purpose. It helps you set a “finish line” for lifestyle and accumulation so you can redirect more toward eternal purposes. Without a plan, even well-intentioned believers often give sporadically or reactively. With one, generosity becomes a consistent and joyful part of life.Moving Toward Greater GenerosityThese five layers—spiritual condition, financial health, vision, community, and planning—build upon each other. Each represents a step toward living and giving as God intended.So, which one are you ready to work on today?The journey toward generosity isn't about guilt—it's about grace. As we align our hearts, habits, and plans with God's purposes, we discover the joy of giving that truly reflects His character.On Today's Program, Rob Answers Listener Questions:I'm considering a reverse mortgage and wondering—if I were to get one—whether my creditors could come after the proceeds.How can younger people today start building wealth? What are some practical strategies to grow financially—and how can we stay positive and motivated when so many in our generation don't seem to think that way?I run a small architecture business, but my income has been inconsistent over the past few years. My financial advisor suggested I take a salaried job to help pay down debt and stabilize our family's finances. If I do that, how should I communicate with a potential employer that I'd like to keep my business on the side—and is that even wise to do?I've been researching digital currencies and the broader move toward electronic money. With more people, including political figures, showing support for it—and with lower fees and more direct transactions—what's your take on where this is heading?My husband is 65 and retired, and I'm 56 and still working. I've heard that a spouse can collect half of the other's Social Security benefit once they reach a certain age. Is that true, and how does it work?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Open Hands FinanceWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode the hosts critique a $4.28 million asking price for a Signal Security Franchise business in San Antonio earning ~$773K revenue—arguing it's overpriced, under‑differentiated and risky.Business Listing – https://www.bizbuysell.com/business-opportunity/san-antonio-tx-highly-profitable-security-business-for-sale/2350661/Welcome to Acquisitions Anonymous – the #1 podcast for small business M&A. Every week, we break down businesses for sale and talk about buying, operating, and growing them.

Costs are rising. Guests are stressed. Owners are squeezed. And hotels? They're juggling labor inflation, insurance spikes, debt pressure, and renovations delayed since… well, that period we all swore we'd never talk about again. For hashtag#NoVacancyNews I spoke with Mark Carrier, President of B. F. Saul Company Hospitality Group, to reveal what hotel owners really face today — and where smart operators find opportunity when everyone feels the pinch. And yes, we talk about the vibe shift in development, stalled pipelines, conversions, and why intermediation costs + guest data may be the real battleground ahead. Also yes: I slipped in a joke about running hashtag#PMS off a 1980s PC. You're welcome.

After an embarrassing home loss to lowly Utah, the Celtics hit a new low. What is going wrong? Why can't the C's seem to hit a three-point shot? And what can Joe Mazzulla do to fix it? Cap and Guillermo discuss.#DifferentHere #Celtics #JoeMazzulla #JaysonTatum #JaylenBrown #DerrickWhite #PaytonPritchard #AnferneeSimonsCheck out the latest Celtics coverage from our friends at SportSpyder.com: https://sportspyder.com/nba/boston-celtics/news?pid=20906

What's the difference between the 1 and 8 seed? Not much really. The Chiefs may be out right now but they can get back in if they take care of business.

For years, the story of American healthcare has read like an obituary for small, independent medical practices. Faced with shrinking reimbursements, staffing shortages, and rising administrative burden, many physicians traded autonomy for stability, selling to health systems or private equity. Yet beneath the consolidation headlines, a quiet rebellion is taking shape. Across the country, small specialty and multi-site practices are not only surviving but posting strong margins. They're lean, tech-forward, and operationally disciplined, proving that small can be powerful when run like a high-performing business.

Today we're talking about something many real estate owners and operators never really dig into—the true cost of their janitorial services contract. When you get that monthly invoice from your cleaning contractor, you probably see one lump sum, but hidden inside that number is not just the cost of labor, but also the cleaning products—paper, liners, chemicals—and here's the kicker: those products are often marked up, sometimes significantly. So the question is, are you paying more than you should for the basics that keep your buildings running? And if so, what can you do about it? In this episode, we'll uncover how unbundling your janitorial supplies from your service contract can save you money, improve transparency, and give you more control. Joining me today is Maura Wilson, Senior Regional Director at OMNIA Partners. Maura helps property teams standardize specs, unbundle inflated supply costs, and leverage national pricing without sacrificing quality. She'll walk us through exactly how to turn hidden markups into real margin. Find knowledge for the dynamic world of real estate management at irem.org.

Today on our show:Walmart Holiday Plans Shows There Will Be BloodUPS Gains Margin, Plans Strong Peak, But Remains Mired in UncertaintyAmazon All In On Agentic - Reports Great EarningsShopify Merchants Go Live with ChatGPT Instant Checkout- and finally, The Investor Minute which contains 5 items this week from the world of venture capital, acquisitions, and IPOs.Today's episode is sponsored by Rithum.https://www.rmwcommerce.com/ecommerce-podcast-watsonweeklyThis podcast uses the following third-party services for analysis: Podtrac - https://analytics.podtrac.com/privacy-policy-gdrp

Ever feel like you're working harder than ever but not actually getting closer to freedom? Most entrepreneurs chase revenue, not realizing they're building a business that traps them instead of freeing them. So, how do you create a business that gives you freedom, fortune, and fulfillment without burning out? The answer lies in building a business moat.In this solo episode of The Happy Hustle Podcast, I dive into a game-changing framework I learned from Cody Sanchez, a New York Times bestselling author, CEO of Contrarian Thinking, and serial entrepreneur who's on a mission to help one million people achieve financial freedom through business ownership. Cody is known for buying “boring” businesses—laundromats, car washes, service companies and turning them into cash-flowing machines. Her secret? The M.O.A.T. Strategy, a simple yet powerful system to protect your business, your time, and your peace.Here's the gist: M.O.A.T. stands for Margin, Operations, Advantage, and Total Addressable Market. It's all about creating a competitive barrier around your business so that competitors stay out, cash keeps flowing in, and you build a fortress of freedom. Let's unpack a few powerful takeaways that you can apply right now.Margin matters most.If your business isn't profitable, it's fragile. Cody's rule of thumb is to buy or build businesses that cash flow on day one. So, audit your margins—are you charging enough for your time and talent? Sometimes the simplest solution is raising your prices.Systematize or suffer.Your business should run without you. That's the true test of freedom. Start documenting tasks you've done more than three times, then delegate them. Freedom lives in frameworks, my friend—if it's repeatable, automate or outsource it.Identify your unfair advantage.Your edge might be your brand, your relationships, your humor, or your community. Double down on what makes you you. Competitors can copy your strategy, but they can't replicate your soul.Know your market size.If you're playing too small, you're capping your growth. Expand your total addressable market—how many people can your product or service actually help? Think bigger.Do a quarterly M.O.A.T. audit.Rate yourself 1–10 in each of the four areas: Margin, Operations, Advantage, and Market. Find your lowest score and make that your next focus. It's a simple way to plug holes before your business springs a leak.This episode is all about working happier and smarter, not harder. Whether you're running a $100K business or a $100M empire, the MOAT strategy helps you protect your profits, your peace, and your purpose.If you're ready to build your own fortress of freedom, tune in to the full episode and start happy hustlin' your way toward that life of balance, passion, and positive impact.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 free copy of his new book, The Happy Hustle, 10 Alignments to Avoid Burnout & Achieve Blissful Balance https://www.thehappyhustle.com/bookSign up for The Journey: 10 Days To Become a Happy Hustler Online Coursehttps://thehappyhustle.com/thejourney/Apply to the Montana Mastermind Epic Camping Adventurehttps://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 actually 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 nightIf you're ready to sleep like a baby, calm your nervous system, and optimize your recovery, go grab yours now at bioptimizers.com/happy and use code HAPPY10 for 10% OFF.99 Designs- Need a killer logo, stunning website, or next-level brand design?Stop DIY-ing and start delegating like a boss with 99designs by Vista! Neurable- If you're looking to level up your focus, productivity, and mental well-being all at once, do yourself a favor and check out Neurable. You get a special hookup—just use the code HAPPY at checkout and get $100 off.

Book a free Discovery Call to see how we can help you hit your goals and beyond: https://bit.ly/3TvGiNW or call us at: (214)-453-1591