Podcasts about Margin

Homeschooling and family life can drain the life out of us. How do we maintain a right attitude and perspective in our families for the long haul? Carol talks with consulting client Mellany Zepelak about how learning to create margin in her life and receive God's love has transformed her family life. They discuss how adding personal downtime, encouraging a positive home environment, and embracing your identity in Christ can radically improve your family dynamics. Don't miss this hope-filled conversation!RESOURCES+The Blessing Seminar+Build Your Family's Library: Grab our FREE book list here+Get our FREE ebook: 5 Essential Parts of a Great Education.+Attend one of our upcoming seminars this year!+Click HERE for more information about consulting with Carole Joy Seid!CONNECTHomeschool Made Simple | Website | Seminars | Instagram | Facebook | PinterestMentioned in this episode:Learn More about CTCMathGet God's Good Design GuideGod's Good Design Guide

Cliff Nonnenmacher has owned and operated various franchise businesses, including Cartridge World, Personal Training Institute, PuroClean, and Maid Right, as well as non-franchise companies. He has also developed well-known domestic and international brands like Four Seasons Sunrooms, Contours Express, Island Fin Poke, and Krak Boba.[00:00-05:09] Started at 8 Years Old[05:10-06:15] Insights into the Franchise World[06:16-12:09] Reality of the Food Industry[12:10-19:01] The Future of Jobs[19:02-24:58] Invest in Practical Skills[24:59-30:08] The man ahead of his timeSpecial Mention: Thomas Edison, Henry Ford, Harvey Firestone, Elon MuskReach out to Cliff at: https://franocity.com/Any questions?*** Grab my 10k/month passive income strategy and weekly newsletters at https://tinyurl.com/iwg-strategy BOOK IS OUT! Grab Your Copy and learn how to get your feet wet in real estate investing

In this episode, Emily explains how to live on time with your finances. Living on time means maintaining financial margin in your life to be able to absorb unexpected occurrences in your income or spending. When you're behind in your finances, your income is going out the door right after you receive it, you have balances on your credit cards that you can't pay off until your next paycheck comes, and/or you are unprepared for the next manual tax payment that is required of you. This may be true even if you're not experiencing financial consequences such as interest payments on debt. The good news is that it's very simple, though not necessarily easy, to transition to living on time once you know what it means.

Logan Cysiewski is a top-performing roofing sales professional with Krumm Exteriors in New Richmond, Wisconsin.  He's rewriting the rules on how to win jobs—and win big. From earning the trust of homeowners to mastering CertainPath's proven sales process, Logan breaks down exactly how he's sold over $4 million in just a few short years… all without ever being "salesy."  Whether you're a rookie in home services or a seasoned veteran looking to sharpen your edge, this conversation is packed with real-world takeaways that will elevate your approach and boost your results.  Here's what you'll learn in this episode: How Logan used CertainPath training to launch a wildly successful career in roofing sales Why building clear options instead of hard-pitching earns more trust—and more contracts Logan's mindset when walking into a home for the first time (and how he wins rapport instantly) The way he handles price objections by comparing competitive bids without trash-talking The one sales process nugget that changed everything for him Why presenting multiple options leads to bigger average tickets How he handles full system replacements with confidence, not pressure A behind-the-scenes look at the Kanga Care Club and why it works Why Logan believes you should “never close the job before you walk in the door” The importance of following a consistent process—and how it actually frees you to be yourself Logan's take on financing, how to frame it, and why it helps homeowners make faster decisions What happened when he started revisiting his training again (and how his numbers responded) His advice to new techs and sales reps on how to build confidence fast The mindset shift that helped him go from “just helping out” to being a sales powerhouse  Whether you're in HVAC, plumbing, or roofing, this episode is a must-listen for anyone who wants to learn how to sell with integrity—and win more jobs by simply doing things the right way.  Watch now and discover how Logan became one of the best in the business.  Show Notes The Successful Contractor Podcast is a part of the CertainPath family.  CertainPath builds successful home service businesses—and has for 25 years.  We do it by providing contractors with a proven path to success, professional coaching, software solutions, and a member community of 1,200+ strong. Doubling your sales, with a 20% net profit, and an inspiring company culture is ALL possible.  Let us show you the way. With CertainPath, 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/ 

Check out the full episode with bonus insights: https://masterthemargin.substack.com/p/one-big-beautiful-bill-what-the-new Schedule an Rx Assessment: https://www.sykes-cpa.com/rx-assessment-service/ More resources about this topic: Podcast - Master The Margin: 2025 Tax Outlook: https://www.sykes-cpa.com/tax-cuts-and-jobs-act-2025-outlook/ Webinar - Tax Cuts and Jobs Act of 2017: Pharmacy Impact and §199A: https://www.sykes-cpa.com/tax-cuts-and-jobs-act-of-2017-pharmacy-impact-and-%c2%a7199a/ Blog – Tax-smart Depreciation on Pharmacy Buildings and Equipment: https://www.sykes-cpa.com/tax-smart-depreciation-on-pharmacy-buildings-and-equipment/ Blog – Maximize Pharmacy State and Local Tax Deductions (SALT): https://www.sykes-cpa.com/maximize-pharmacy-state-and-local-tax-deductions-salt/  

Struggling with self-imposed limits? Listen in as Brady Neal shares his story of breaking through self-imposed ceilings to achieve success in business and life. Time Stamps00:56 - Episode & Guest Intro01:25 - The Importance of Mindset03:46 - Brady's Entrepreneurial Journey06:10 - Defining Uncapped and Personal Growth23:21 - Why Directed Focus Matters24:30 - Turning Dreams into Aligned Actions24:59 - The Importance of Margin and Capacity26:03 - Narrowing Focus and Defining End Results27:55 - Vision and Adaptability in Business31:35 - Cognitive Framing and Overcoming Challenges39:47 - Behavioral Rhythms and Morning Routines42:02 - Episode Recap43:25 - Self-Definition and Overcoming Labels45:18 - Imposter Syndrome and Business Ownership46:43 - Final Thoughts and TakeawaysSnippets from the Episode   ”The frame that you put around your pain is going to determine if it becomes bitterness or if it becomes a breakthrough.” - Brady Neal  “Don't let circumstances be the author of who we're telling ourselves we are. Reclaim the pen. Write it yourself.” - Brady Neal  “People think their condition is somebody else's fault, they start making excuses, denials.  The absolute first thing is you have to say, it's up to me.” -Martin Holland  “If we don't get your mindset right. It's gonna be really hard to, to uncap your faith and your family and everything else that comes with that.” - Brady NealResources⁠CFC 153 - Stay One Step Ahead with Jon Matzner⁠⁠CFC 192 - AI for Contractors: How Can You Actually Use AI in Your Business?⁠⁠Lazy Leverage Podcast⁠⁠24 Things⁠⁠⁠⁠ Construction Business Owners Need to Successfully Hire & Train an Executive Assistant⁠⁠⁠⁠Schedule⁠⁠⁠⁠ a 15-Minute Roadblock CallCheck out ⁠⁠⁠⁠OpenPhone⁠⁠⁠⁠Build a Business that Runs without you. Explore our ⁠⁠⁠⁠GrowthKits ⁠⁠⁠⁠Need Marketing Help? We Recommend ⁠⁠⁠⁠Benali⁠⁠⁠⁠Need Help with podcast production? We recommend ⁠⁠⁠⁠Demandcast⁠⁠⁠⁠More from Brady Neal⁠SUBSCRIBE⁠ to Living Uncapped NewsletterConnect with Brady Neal on ⁠LinkedIn⁠Check out ⁠Shuterra⁠Check out ⁠Covva Insurance⁠Checkout ⁠Corrosource⁠More from Martin Holland⁠⁠⁠⁠theprofitproblem.com⁠⁠⁠⁠⁠⁠⁠⁠annealbc.com ⁠⁠⁠⁠⁠⁠⁠⁠Email Martin⁠⁠⁠⁠⁠⁠⁠⁠Meet With Martin⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠More from Khalil⁠⁠⁠⁠benali.com ⁠⁠⁠⁠⁠⁠⁠⁠Email Khalil⁠⁠⁠⁠⁠⁠⁠⁠Meet With Khalil⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠More from The Cash Flow ContractorSubscribe to our ⁠⁠⁠⁠YouTube channel⁠⁠⁠⁠Subscribe to our ⁠⁠⁠⁠Newsletter⁠⁠⁠⁠Follow On Social: ⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠,⁠⁠⁠⁠ Facebook⁠⁠⁠⁠, ⁠⁠⁠⁠Instagram, ⁠⁠⁠⁠⁠⁠⁠⁠X(formerly Twitter)⁠⁠⁠⁠Visit our ⁠⁠⁠⁠website⁠⁠⁠⁠⁠⁠⁠⁠Email⁠⁠⁠⁠ The Cashflow Contractor

In this episode, we welcome Chris Zerzavy to the studio. He is the author of the new book “Margin” which details what his life was like after his young son was killed in a traffic accident. In this interview, we discuss what it was like growing up with Kyle in Lawton, OK, how he has seen his hometown evolve over the almost four decades of living there, the circumstances around his son's tragic death, why he has yet to forgive his son's killer, why it is important to have a foxhole of men around you, his message for how we can all “Live Like Jon”, and much more. Let's get into it… Episode notes and links HERE. Donate to support our mission of equipping men to push back darkness. Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us a textSeason 3, Episode 43 - 5 New Tools to Try for Time and Energy ManagementOur tools:1. The 2-Hour Focus Window 2. Weekly Energy Audit 3. Theme Days with Margin 4. Reset Hour 5. Personal Priority Rule BONUS: Try something just for YOU!Resources:Instagram @nicolereilleycoachingFacebook @nicolereilleycoachingBluesky @RevNicole.bsky.social & @clergycoaching.bsky.socialSubstack. @revnicole Ministry & Life Coaching and Social Media Management at NicoleReilley.com.Expanding the Expedition Through Digital Ministry by Nicole Reilley at AmazonContact me: RevReilley@gmail.comwww.NicoleReilley.com

Jason Barbee is a plumbing technician who didn't just sell — he installed nearly $1M in residential plumbing last year. Even more impressive, Jason is a 5-time Plumbing Sales Crown Champion; he's 26 years old and already sold & installed over $4M in residential plumbing in his short career. From humble beginnings helping his future father-in-law lift water heaters, to dominating full-service residential calls today, Jason shares the real story behind his rise — and the mindset shifts that changed everything.  In this episode, you'll hear: How Jason builds trust on every call — and turns “quick fixes” into whole-home inspections Why he never solves the problem before he arrives — and how that helps him keep his mind open His secrets to handling drain cleaning calls like a superhero (and turning panic into profit) The role of empathy, education, and options in what some call “upselling” — but Jason calls “doing the job right” How following the CertainPath 6-step process helped skyrocket his KPIs from $16K to $404K in less than a year Jason's favorite lines for introducing water heater replacements — even when that's not why he was called His unique strategy for earning customer permission to inspect and price the entire home's plumbing system Why training, role-playing, and DISC profiling are non-negotiables in his shop's daily culture How financing and well-structured options helped close $10K–$15K+ jobs with less resistance What younger techs can do TODAY to start writing their own ticket to success — no shortcuts, just clarity  If you're a service tech, manager, or business owner, this is a masterclass in modern residential plumbing service — packed with actionable takeaways and honest insights from someone who's doing it at the highest level.  Don't miss this inspiring, practical conversation with one of the industry's top performers.  Show Notes The Successful Contractor Podcast is a part of the CertainPath family.  CertainPath builds successful home service businesses—and has for 25 years.  We do it by providing contractors with a proven path to success, professional coaching, software solutions, and a member community of 1,200+ strong. Doubling your sales, with a 20% net profit, and an inspiring company culture is ALL possible.  Let us show you the way. With CertainPath, 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/ 

'Cacofonia', segundo disco del brasileño afincado en Los Ángeles Gabriel da Rosa, contiene canciones suyas como 'Pé patu pá', 'Seu João', 'No fundo', 'Abusei', 'O pacto' o 'Walker'. De 'Plural', disco del armonicista Gabriel Grossi, 'Motion' -con los teclados de Jacob Collier-, 'Nosso amor vadio' -con la voz de Zelia Duncan-, 'Onde nascem as ondas' -con la voz de Ed Motta- y 'Banzo'. Y del disco 'Caetano e Bethânia ao vivo' los temas 'Os mais doces dos bárbaros'/'Gente' y 'Tropicália'/'Marginália II'.Escuchar audio

După un început mai tensionat de an, în contextul economic și politic în care trăim, intenția episodului de azi este să îți aducă aminte că își poți crea ancore care să te ajute să traversezi perioadele dificile. Partenera mea de conversație este Mădălina Margină-Luca, o persoană senină de a cărei perspectivă optimistă avem nevoie, mai ales că antreprenoriatul e o aventură plină de diverse provovări.Mădălina este antreprenor și co-fondator al agenției de marketing digital Seed Agency și al Asociației ”Strigăt pentru educație”. Ne vei auzi vorbind despre:cum gestionăm perioadele copleșitoare în antreprenoriatritualuri și obiceiuri sănătoase de care avem nevoieprovocările AIsocial media și presiunea de a fi mereu onlinecum rămânem autenticicum ne menținem entuziasmul pentru ceea ce facem. Așteptăm curioase să ne spui ce ți-ai luat valoros din episod, așa că nu ezita să ne scrii și să distribui episodul către persoanele cărora le-ar putea fi de folos ideile din episod. Pe Mădălina o găsești pe Instagram și pe site-ul Seed Agency.Nu uita să urmărești podcastul pe:Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Pauza de Bine⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Pauza de Bine⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Youtube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Cristina Oțel

The Margin of Error Has Vanished: What CRE Investors Should Be Watching Now Commentary on a conversation with John Chang, Senior Vice President and National Director, Research and Advisory Services, Marcus & Millichap   The New CRE Investment Mandate: Survive First, Then Thrive “The margin of error has narrowed to virtually zero.” This was John Chang's stark assessment of today's commercial real estate environment – an era marked by fragile capital markets, rising Treasury yields, policy instability, and speculative hangovers from a decade of cheap money. According to Chang, the headline playbook hasn't changed: keep leverage low, maintain reserves, underwrite for downside. But the stakes have changed. What used to be prudent is now required. Those who forget that, particularly those lulled by the long post-GFC bull run, risk extinction.   Cap Rates, Treasury Yields, and the Compressed Spread A central theme of our conversation is the vanishing spread between borrowing costs and asset yields. Cap rates have risen 100–200 bps depending on asset class and geography, but Treasury rates have risen more. That's compressed spreads, rendering most acquisitions reliant on a value-creation story or an eventual rate reversal.   Investors are still transacting, says Chang, but only if they believe they can bridge the spread gap through operational improvements i.e. leasing, renovation, management upgrades. Passive cap-rate arbitrage is no longer viable. “The potential for something to go wrong is high,” Chang warns, especially in a policy environment that remains erratic.   The Treasury Market's Imminent Supply Shock Chang outlines why he expects upward pressure on Treasury yields for the balance of the year – contrary to the market's general expectations of rate cuts. Key reasons: Federal Deficits: With a delayed budget, Treasury issuance has been running below historical norms. That's about to reverse, with $1–1.5 trillion in supply expected by October. Shrinking Buyer Base: The Fed is reducing its balance sheet. Foreign holders, especially China and Japan, are net sellers. Even traditional allies are showing less appetite, driven partly by frictions over U.S. trade policy. Trade Tensions: Tariffs of up to 145% on imports from China, EU saber-rattling, and a broad retreat from globalization are alienating the very buyers of U.S. debt. “People don't want to do us any favors right now,” Chang says. “That uncertainty alone elevates risk premiums.”   Normalcy Bias and the Myth of the Perpetual Up Cycle Chang pulls no punches on the market psychology underpinning risky underwriting in recent years. He describes a bifurcated investor landscape: Those who entered post-GFC and think 2–3% interest rates and infinite rent growth are normal. Veterans of the 1990s S&L crisis, the dot-com bust, or the GFC, who know better. What's striking is the lack of long-term data. Even Marcus & Millichap, he notes, only has robust CRE data going back to 2000. Without context, many have mistaken the tailwind-fueled 2010s as a standard baseline.   “We're back to old-world real estate,” Chang says. “Where you have to actually understand the property, the tenant mix, the microeconomics of location. The era of pure financial engineering is over.”   Lessons from the Pandemic and GFC: Underwrite for Downside, Not for Hype Chang recounts closing on an investment in April 2020 at the very onset of pandemic uncertainty. “What if we rent at breakeven?” he asked. If the answer was yes, he proceeded. That conservative approach worked then and still applies today.   The biggest blow-ups, he says, came from sponsors who: Modeled double-digit rent growth. Over-leveraged. Used floating-rate debt without hedges. Ignored capex and reserves. By contrast, Chang praises sponsors who locked in fixed debt, kept leverage under 65%, and stayed humble. “They're embarrassed to be earning 7% IRRs,” he jokes, “but in this climate, that's a win.”   Washout in the Syndication Space: Good Riddance? Perhaps most damning is Chang's commentary on the wave of underqualified syndicators who entered during the boom years.   “Thousands came in with no operating experience,” he says, pointing to the proliferation of coaching programs offering checklists instead of expertise. These new entrants mimicked industry language – AUM figures, fund manager titles – but often had no institutional track record or risk management skills.   Many of them, Chang believes, are now out or on their way out. And while some may return with hard-earned wisdom, he expects the flow of “tourists” into the syndication world to dry up for the foreseeable future.   Tailwinds Still Exist: But Only for the Well-Prepared Despite the short-term risks, Chang sees multiple long-term tailwinds: Demographics: Millennials are delaying homeownership, renting into their 40s and fueling demand for multifamily. Inflation Resistance: Assets like multifamily, self-storage, and even select retail have pricing power in inflationary environments. Constrained Supply: Rising costs (e.g., lumber, steel tariffs) are slowing new construction, which will support existing asset values over time. He also flags tax policy as a positive surprise: The “BBB” tax bill, now working its way through the House, offers accelerated depreciation and expansion of Opportunity Zones particularly in rural areas. This could buoy returns in an otherwise challenging environment.   On the Aging of America: A Selective Case for Healthcare-Adjacent Assets Chang views medical office and senior housing through a bifurcated lens: Medical office: Attractive if tenants are stable, young, or anchored by heavy equipment. Long leases. Minimal turnover. Durable income. Assisted living: Demographic tailwinds are real, but operators matter more than ever. The Achilles heel? Labor. “About 30% of healthcare workers in the U.S. are foreign-born,” he warns. “And immigration policy, especially under restrictive regimes, will constrain the labor supply.” No staff, no NOI.   Final Signals: What He's Watching Closely If you want to forecast CRE performance, Chang suggests watching: University of Michigan Consumer Sentiment: A leading indicator of retail sales and housing trends. Currently falling. Inflation-adjusted Retail Sales: Shows how real consumption is holding up. Trade Policy & Supreme Court Rulings: The potential invalidation of Trump-era tariffs could reset inflation and Treasury outlooks but introduces a new kind of uncertainty. “We're not facing one black swan,” he concludes. “We're facing a whole flock. Pick your bird.”   Bottom Line This is not a time for heroic assumptions. It's a time for competence, humility, and discipline. If you must deploy capital, do so with sponsors who have been through a major downturn GFC style, and focus on those who didn't make capital calls, who still generate yield, and who underwrite to reality, not to hope.   The next 2–3 years may be rocky. But the long term still belongs to those who survive the short term.   *** In this series, I cut through the noise to examine how shifting macroeconomic forces and rising geopolitical risk are reshaping real estate investing.   With insights from economists, academics, and seasoned professionals, this show helps investors respond to market uncertainty with clarity, discipline, and a focus on downside protection.    Subscribe to my free newsletter for timely updates, insights, and tools to help you navigate today's volatile real estate landscape. You'll get: Straight talk on what happens when confidence meets correction - no hype, no spin, no fluff. Real implications of macro trends for investors and sponsors with actionable guidance. Insights from real estate professionals who've been through it all before. Visit GowerCrowd.com/subscribe Email: adam@gowercrowd.com Call: 213-761-1000

In this episode, I sit down with Izabella Ritz, founder of Ritz Momentum and one of the sharpest minds in eCommerce, to break down exactly how to find high-margin, profitable products that actually sell. What You’ll Learn How to find high-margin products to sell without any upfront cash Simple tricks with AI to discover profitable items fast How validate that your product will sell without buying inventory upfront Sponsors SellersSummit.com – The Sellers Summit is the ecommerce conference that I’ve run for the past 8 years. It’s small and intimate and you’ll learn a ton! Click Here To Grab The […] The post 592: How To Find High-Margin Products Without Spending a Dollar Upfront With Izabella Ritz appeared first on MyWifeQuitHerJob.com.

Illinois' new "sin tax" on sports betting may be a short-term pain for companies like DraftKings (DKNG) and FanDuel, but Morningstar's Dan Wasiolek says it's a manageable hit to margins. He expects the sports betting space to continue growing, even if new jurisdictions don't come online as quickly as expected. He points to a $30 billion revenue estimate for U.S. sports betting by 2030 and sees growth in profitability for leaders like DraftKings, which he says could weather a recession better than traditional casinos.======== 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

Mornin' mornin sunshines. Wakey wakey!!! It's time to FIRE IT UP! This episode today is special for YOU—the high achiever, the leader, the go-getter—who's trying to do it all. But guess what? You can't lead everyone (or anyONE) if YOU'RE lost in the process. And today, I'm dropping a coaching framework that's going to help you recalibrate, reignite, help you get crystal clear on your priorities, and help you get some “balance” back in your life. Sound good? Good! I actually get on the whiteboard during today's podcast episode and coach you on my “3-Circle Check-in” or sometimes what I refer to as my “3-M Framework” that WILL help you personally & professionally. Specifically In this episode, I coach you through: How to stop trying to be everything to everyone. Check out my “3-Circle Check-in” or “3M Framework”: MISSION. MARGIN. ME. How to best assess YOUR energy, mindset, and physical health (ME). How aligned you are with your PURPOSE (MISSION). How your finances and financial bandwidth doing (MARGIN). And how to make practical, strategic changes in your life & biz right NOW based on where you want to go and what your mission and vision dictates. We're going deep on personal leadership. I'm bringing the whiteboard heat today. Whether you're listening during a workout, a walk, or a plane ride—this is a good “heart-to-heart” talk on some specific things you can do to recapture your mind, body, soul…and LIFE! No more trying to be everything for everyone. Get back to YOU! The best version of YOU. Let's be sure to create margin, stay on mission, and let's create MASSIVE impact together! Thanks for listening. Please be sure to share your big takeaways or AHAS from this episode on your Instagram Stories. Please tag me (@ToddDurkin) and let me know how this episode hits you! IG: @ToddDurkin   #ToddDurkin #IMPACTSHOW #Episode429 #3M's ** TEXT ME. Remember, you can text me any questions you have at 619.304.2216. This is my personal text and I will text you back. Give it a shot today!! Your COACHING CHALLENGE This Week: 1. Where is “ME, MISSION, or MARGIN” showing up strong or weak in your life right now? 2. Choose at least ONE of the 3Ms to go deep on this week and take ACTION on it. Please report back or text me your feedback on your actions. 3. Please share a quick pic on your IG story and please tag me @ToddDurkin. I will return the favor and reshare your story. Additional Information from this episode: 1. A HUGE shoutout to our 2025 Impact Foundation Scholarship Winners—over $350K awarded since we started. THIS is what living your mission looks like. 2. A personal invite to my High-Performance Mastermind Group. This is for ALL leaders, business owners, or business entrepreneurs (ALL fields/industries). Check out www.ToddDurkin.com/xxx 3. ATTN fitness business gym owners & fitness-entrepreneurs: 2-ways we can help you… a. The TD High-Performance Mastermind. The best Mastermind in the business…bar none. b. If you are looking how you can generate an additional $100K in 6 months—guaranteed—check out our Gym Profit Coaching Program. Check out www.ToddDurkin.com or set up a quick complimentary Discovery Call with Kelli Watson at kelliwatson88@gmail.com Upcoming Events – “BE IN THE ROOM:” Perform Better Chicago: Chicago, IL June 12–14, 2025 his is part of the Coaching Greatness series—don't miss it! Fit Expo / Coaching Greatness LA Los Angeles, CA August 1, 2025 Perform Better Providence - Providence, RI - August 14–16, 2025 High-Performance Mastermind Retreat - Whitefish, Montana - November 13–16, 2025 - You and your spouse, your biz partner, your team—bring someone and share the growth. This is gonna be SOUL-FILLING and SOUL-FUELING! ALL INFORMATION EVENTS at www.ToddDurkin.com

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“We must have some room to breathe. We need freedom to think and permission to heal. Our relationships are being starved to death by velocity.” — Dr. Richard Swenson, The Overload SyndromeIn our fast-paced, always-on world, these words ring true. We're overloaded—physically, emotionally, mentally, and financially. But what if the antidote to our exhaustion isn't doing more, but doing less? Today, let's look at rest from a biblical perspective.What Is Margin?Margin is the “room to breathe” that Dr. Swenson describes. It's the space between our load and our limits, which allows us to pause before we break.Too often, we end the day with nothing left—no time, energy, or money. Then the next day starts…full throttle again.That kind of lifestyle comes at a cost. The Sleep Foundation reports that nearly half of Americans experience trouble sleeping—a third of them get less than seven hours of sleep a night. Chronic sleep deprivation can lead to serious (and expensive) health problems like anxiety, heart disease, and diabetes. It also undermines our relationships and decision-making.The truth? Rest is not a luxury. It's wisdom.God Created RestGod rested on the seventh day of Creation—not because He needed to, but because His work was complete. He blessed that rest and called it holy (Genesis 2:3).Later, He enshrined the Sabbath in the Ten Commandments (Exodus 20:8-11). Why? Because He knows our tendency to keep pushing ourselves, and He lovingly tells us to stop. As pastor and author Rich Villodas says:“God gives us Sabbath—he gives us rest—as a gift to remind us that our standing in Christ is not based on our works. When we rest, we're reminded: I'm not producing anything…and God still loves me.”Margin in a Work-Obsessed WorldTechnology allows us to work from anywhere, at any time. But just because we can doesn't mean we should. Rest gives us the strength and focus to do our work “as unto the Lord” (Colossians 3:23).Working late nights and skipping vacations might seem productive, but over time, they damage what matters most—our health, our relationships, and our spiritual lives.Rest doesn't mean avoiding work. It means working wisely and worshipfully—and stepping away when it's time to refuel.The Difference Between Rest and LazinessNow, let's be clear: Rest is not laziness.Laziness is neglecting what we're called to do. It violates God's design for us to work, serve, and create. Paul warned the Thessalonians to “warn those who are idle and disruptive” (1 Thess. 5:14), and added in 2 Thessalonians 3:11 that idleness often masks itself as busyness.Proverbs 31 praises the noble woman who works diligently. Verse 27 says she “does not eat the bread of idleness.” Laziness can show up subtly, like scrolling endlessly or shopping to avoid responsibility.Proverbs 24:30–31 tells of a neglected field, overgrown and crumbling, due to a lack of care. That's what happens when laziness takes root. But there's hope.Rest Is a Gift of GraceWhether you're burned out or stuck in patterns of procrastination, God's grace meets you where you are. Jesus doesn't offer a tighter schedule—He offers a lighter burden.“Come to me, all who are weary and burdened,” Jesus says, “and I will give you rest.” (Matthew 11:28)Rest isn't something you earn. It's something you receive. So step into the rhythm of grace, not guilt. Your soul—and your stewardship—depends on it.On Today's Program, Rob Answers Listener Questions:My son is 26, and last year he was able to start a 401(k) with his job. I want to get him a Roth IRA and start with $200 to get something going. Is that a good idea?I'm 87 years old. If all my assets have beneficiaries designated, is there any reason to have probate, or is there a maximum dollar amount that requires probate, so I would have to get a trust?I pay my bills and save as much as I can. Is it okay for me to spend $10 at the Salvation Army to get a new church dress? I don't make much money, but I get paid every two weeks with a decent check.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)The Overload Syndrome: Learning to Live Within Your Limits by Dr. Richard A. SwensonMargin: Restoring Emotional, Physical, Financial, and Time Reserves to Overloaded Lives by Dr. Richard A. SwensonSchwab Intelligent Portfolios | BettermentHeart for LebanonWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Logan Webb was uncharacteristically not sharp against the Tigers yesterday, but the bigger concern is the Giants terrible run support.

On this episode, Erwin Dekker chats with Director Tomasz Agencki on the making of "Notes on the Margin" (2024), a full length documentary on the life and legacy of Carl Menger, founder of Austrian economics. Despite limited archival material and conflicting accounts, Agencki crafts a visually rich story highlighting Menger's intellectual journey and reformist spirit.Tomasz Agencki is a freedom-focused movie maker who travels around the world to cooperate with like-minded creators. Agencki has over 15 years of experience in film and tv production, directs and films many of his own documentaries, and is a professional audiobook voice artist. Watch Agencki's “How Sweden Quit Smoking” (2024) or find his other works here.If you like the show, please subscribe, leave a 5-star review, and tell others about the show! We're available on Apple Podcasts, Spotify, Amazon Music, and wherever you get your podcasts.Virtual Sentiments, a podcast series from the Hayek Program, is streaming. Subscribe today and listen to season three, releasing now!Follow the Hayek Program on Twitter: @HayekProgramLearn more about Academic & Student ProgramsFollow the Mercatus Center on Twitter: @mercatusCC Music: Twisterium

Send us a textDidn't make it to Foodpreneurs Festival 2025? Or maybe you were there but want a refresher on all the high-impact opportunities presented at the event, and the practical steps to take now to leverage your learnings and industry connections?In this episode, I sat down with Naishad Dalal, food scientist, entrepreneur, and founder of the Food Entrepreneurship Academy, and Jason Stockton, operations expert and founder of Supply'd, the ERP system built just for Foodpreneurs.Together, we unpack exactly what went down at Foodpreneurs Festival 2025 - from the brands to watch, to the big questions buyers were asking, to the tools and systems fast-growing brands are using to stay lean and scale smart.Tune in to learn:

Episode #44 is our annual follow up of a statistical analysis of how the new 3-point takedown has affected our sport. MatStats analyzes the number of scoring moves, total points per match, Margin of Victory, the change in the frequency of majors & techs, and is it time to adjust the MOV needed for a major and tech?Slideshow for Episode 44: https://www.mattalkonline.com/wp-content/uploads/2025/05/MatStatsEp44.pdf About Mat StatsWelcome to the NWCA's latest venture to help our favorite sport. Glenn Gormley, Jason Bryant and Kevin Hazard outline their effort to bring statistical analysis to wrestling. Mat Stats is the NWCA's attempt to bring wrestling up to speed with so many other sports by incorporating stats. It is the same sport, the wrestlers are just older and better.Mat Stats by the NWCA is a monthly podcast by the National Wrestling Coaches Association Apple Podcasts | Spotify | iHeartRadio | Podcast Addict | Castbox | RSS

Danielle Smith's extended political honeymoon, Naheed Nenshi's lukewarm debut, and Alberta's identity crisis — all captured in a fresh batch of polling data commissioned by CBC Calgary. On this episode of West of Centre Short, host Rob Brown speaks with pollster Janet Brown and data scientist John Santos to explore where Alberta's political winds are blowing at the halfway mark of the current UCP government's mandate.From voter impressions of the Alberta premier and her NDP challenger to shifting seat projections and separatist sentiment, the numbers tell a compelling story — one of “stick it to Ottawa” politics, polarization, and a province still wrestling with its feelings about Canada. *Note: This survey was conducted between May 7 and 21 with a representative sample of 1,200 Albertans. Margin of error is ±2.8 percentage points, 19 times out of 20. Fore more details, go to cbc.ca/calgary

Blayne Ippolito went from addiction and homelessness to managing a team of high-performing electricians and selling and installing over $680K in residential electrical work with $1M in his sites this year. His journey is raw, powerful, and packed with lessons for anyone in the trades.  In this episode of The Successful Contractor, Blayne opens up about the pain that shaped him—and the purpose that drives him today. Now a sales manager with MZ Electric in Littleton, Colorado, Blayne trains his techs five days a week, blends emotional intelligence with process, and closes jobs with $4,000 average tickets. But what really sets him apart is how he leads with service, connection, and trust.  You'll learn: How Blayne's early life and recovery shaped his mission in the trades His approach to consultative sales that build massive trust with homeowners Why presenting tiered pricing options builds credibility—and increases close rates How he eliminates objections early using CertainPath's StraightForward Pricing Guide What it means to be a friend first, electrician second in a customer's home His mindset tools for resetting between calls, including gratitude and meditation The emotional training sessions he runs on Wednesdays—including one centered on the phrase “Justify Your Existence” Why fear is the biggest sales killer—and how techs can beat it The story of a homeowner who cried reading his bio—and trusted him over a cheaper bid What it takes to move from technician to trusted leader of a service team  Blayne's story isn't just about closing big tickets. It's about becoming the kind of person others believe in. Whether you're a tech, a leader, or someone just looking to find more meaning in your work—this is a conversation you won't forget.  Show Notes The Successful Contractor Podcast is a part of the CertainPath family.  CertainPath builds successful home service businesses—and has for 25 years.  We do it by providing contractors with a proven path to success, professional coaching, software solutions, and a member community of 1,200+ strong. Doubling your sales, with a 20% net profit, and an inspiring company culture is ALL possible.  Let us show you the way. With CertainPath, 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/ 

In this episode, we tackle the concept of margin erosion and how it impacts scaling businesses. I share insights on how growing your sales doesn't necessarily equate to growing your profits. We dive into common culprits like hiring rates, customer acquisition costs, and overhead, providing practical solutions to maintain healthy margins. You'll learn the importance of knowing your fixed vs. variable costs, adjusting your pricing structure, and implementing standardized processes without compromising customization. I'll also emphasize the necessity of regularly reviewing your finances to ensure sustainable profitability. Tune in to gain actionable strategies to improve your margins, ensuring that your business growth translates into increased profitability.   What You'll hear in this episode: [00:50] Understanding Lifestyle Creep in Business [01:15] The Concept of Margin Erosion [02:50] Warning Signs of Margin Erosion [03:40] Customer Acquisition Costs [06:45] Diagnosing Margin Erosion [09:00] Improving Margins and Scaling [10:05] Standardization and Customization [13:10] Financial Oversight and Cash Flow Management   If you like this episode, check out: Smart Cash Management for Business Owner Start with This Financial Metric (Financial Priority Formula Part 1) Early Warning Signs of a Cash Flow Crisis   Want to learn more so you can earn more?  Visit keepwhatyouearn.com to dive deeper on our episodes  Visit keepwhatyouearncfo.com to work with Shannon and her team  Watch this episode and more here: https://www.youtube.com/channel/UCMlIuZsrllp1Uc_MlhriLvQ  Connect with Shannon on IG: https://www.instagram.com/shannonkweinstein/   The information contained in this podcast is intended for educational purposes only and is not individual tax advice. Please consult a qualified professional before implementing anything you learn.

In this solo episode of Modern Chiropractic Mastery, host Dr. Kevin Christie dives into the concept of creating margin in your life, which refers to building buffer space to handle unexpected challenges, reduce stress, and enhance well-being. Topics covered include financial, time, energy, relationship, work, emotional capacity, health, and leisure margins. Dr. Christie discusses the importance of understanding the stage of life you're in and offers practical tips for auditing and improving each aspect. He emphasizes that it's possible to maintain high productivity and business success while also improving life's margins.

Summer break is thisclose and if you're anything like me, you're torn between dreaming of slow mornings and already dreading the snack raids and sibling fights. If you're a mom trying to keep your house and your business from falling apart while everyone's home 24/7... this episode is your pre-summer pep talk and planning session. Today I'm sharing exactly how I'm prepping our home, mindset, and rhythms to make summer feel a little less chaotic and a lot more calm. From decluttering the “junk mail counter” to setting realistic expectations with my kids, I'm walking you through what I'm doing right now to make this season smoother. PLUS... if you're craving some extra support, you have to check out my upcoming summer workshop, Thriving Through Summer. It's grace-filled, practical, and totally designed for moms like you. In this episode, you'll hear: How I reflect on what worked (and didn't) last summer to prep this one The “overwhelm zones” I'm tackling before the kids are home full-time What's in our summer stock-up stash (including swimsuits, sunscreen, and sanity-savers) The bucket list convo I have with my kids—and how we build a loose rhythm together Why it's okay if you haven't planned a thing yet (spoiler: I didn't start until mid-June last year!) Join the Summer Workshop! ✨ Thriving Through Summer – June 4th ✨ A simple, grace-filled workshop to help you build a flexible summer rhythm that works for your real life—not the Pinterest version. You'll walk away with: ✅ A personalized weekly flow ✅ Mindset shifts to release the pressure ✅ Margin for both work and play (yes, even with kids home!) Grab your spot here → [Insert Flodesk Link]

CBS's Capitol Hill Reporter, Taurean Small, joins Michael and John as Pres Donald Trump's budget and tax plan passes the house, narrowly, and moves to the Senate. Small says the bill comes with a $3.8 trillion dollar price tag, and may face more opposition in the Senate. Credit: © Sipa USA

In this episode we answer emails from Andy, El Yama and Paulo.  We discuss a follow up to the question on margin accounts at Interactive Brokers in Episode 424, the use of SCHD fund as a large cap value fund in a risk parity style portfolio, the meaning of "safe" in "safe withdrawal rates" and the current popular obsession with international funds, as well as diversification considerations for using them.  And an upcoming appearance on the "Afford Anything" podcast.  And the famous SCTV parody "The Queen Haters."Links:Father McKenna Center Donation Page:  Donate - Father McKenna CenterSCHD Analysis on Morningstar:  SCHD Stock - Schwab US Dividend Equity ETF | MorningstarBreathless Unedited AI-Bot Summary:Dive into the murky waters of investment strategy as Frank tackles listener questions with his signature blend of expertise and irreverent humor. This episode peels back the layers on three critical investing topics that frequently trip up even experienced investors.Frank first dissects the mechanics of margin accounts at Interactive Brokers, clarifying how leverage percentages work differently when withdrawing cash versus purchasing additional assets. With characteristic frankness, he explains why brokers might offer leverage limits up to five times an account's value while emphasizing that such levels represent "way more margin than anyone really needs or would want, unless they truly have a gambling problem."The conversation shifts to dividend ETFs, specifically SCHD, which Frank analyzes not by its label but by its actual characteristics. He reveals how this fund functions effectively as a conservative value play that "sits right on the border between mid-cap and large-cap" with "an even lower average PE ratio than most value funds." This practical approach to fund classification—looking beyond marketing labels to actual investment behavior—exemplifies the podcast's commitment to clear-eyed analysis.Perhaps most valuable is Frank's demolition of several sacred cows in retirement planning. He explains how safe withdrawal rates already incorporate worst-case scenarios, making additional conservative assumptions not just unnecessary but potentially harmful. "When people are talking about 3% or less withdrawal rates, they are really just doing bad forecasting," he argues, characterizing such excessive conservatism as "essentially leaving life on the table by not spending the money when you're alive."The episode culminates in a masterful takedown of the current "fervor" for international stocks. Frank explains how currency fluctuations—not magical mean reversion—drive performance differences between markets, and why holding total market US and international funds provides minimal true diversification. "That is pretty much the least diversified way of using international funds against US funds," he notes, before offering practical alternatives for constructing a genuinely diversified portfolio across meaningful factors.Want to support the show? Consider donating to the Father McKenna Center, which helps homeless people in Washington DC. Email your questions to frank@riskparityradio.com or visit riskparityradio.com.Support the show

“Take care, and be on your guard against all covetousness, for one's life does not consist in the abundance of his possessions.” — Luke 12:15In an age of instant gratification, getting what we want has never been easier, even if we can't afford it. But as “Buy Now, Pay Later” (BNPL) services become increasingly popular, they're quietly reshaping our relationship with money, debt, and even contentment. Let's explore how these programs work, why they're spiritually and financially dangerous, and how Scripture invites us into a better way.What Is Buy Now, Pay Later?Originally used for large purchases like furniture or electronics, BNPL services now allow consumers to split nearly any purchase into multiple payments—even cheeseburgers. DoorDash, for example, lets customers finance their food in four installments. The convenience may seem harmless, but it can mask deeper issues.Companies like Klarna, Afterpay, Affirm, Zip, Sezzle, and PayPal offer these options at checkout. According to Experian, more than 80% of U.S. shoppers have used BNPL. The ease is attractive, but the long-term impact can be devastating.BNPL makes it seem like you're not going into debt, but that's exactly what's happening. Small recurring payments across multiple platforms add up fast, leading to overdraft fees, financial stress, and, in many cases, high interest rates—some as high as 36% for missed or extended payments.A $60 DoorDash meal split into four $15 payments doesn't seem bad—until you do it for every meal. Or take a $3,000 couch bought with a BNPL plan: one missed payment, and that couch could ultimately cost $8,000 due to fees and interest.Scripture's Warnings About DebtThe Bible doesn't shy away from warning us about the dangers of debt. Proverbs 22:7 tells us, “The borrower is the slave of the lender.” Debt isn't just a financial issue—it can become an emotional and spiritual burden, dividing our attention and devotion.In Luke 12:15, Jesus reminds us that “life does not consist in the abundance of possessions.” Yet BNPL feeds the lie that more stuff equals more satisfaction. Instead of trusting God to provide, we try to manufacture comfort and control through impulsive spending.Why are we tempted to buy now and pay later? Often, it's not out of need, but out of insecurity, impatience, or discontentment. Paul models a better path in Philippians 4:11–13: “I have learned in whatever situation I am to be content...I can do all things through him who strengthens me.”True contentment doesn't come from a checkout screen—it comes from trusting the Lord to provide, even when the budget feels tight.A Better Way: Practical and Spiritual WisdomSo, how do we resist the pull of BNPL and grow in godly contentment?Practically:Build margin. Save up for purchases ahead of time.Budget for “wants.” Use a separate category or envelope system.Set spending limits. Use cash or debit card to help avoid overspending.Spiritually:Examine your heart. Ask: Am I trusting God, or just trying to feel better?Pursue contentment. Let God define your enough.Practice gratitude. Train your heart to see God's provision in what you already have.Freedom to Live GenerouslySaying no to unnecessary debt frees us to say yes to generosity. When we live with open hands and open hearts, we reflect the freedom we have in Christ—freedom from striving, fear, and scarcity. And that's far better than four easy payments.So next time you see a “Pay in 4” button, pause. Ask yourself: Do I really need this? Can I pay for it in full? And does this reflect trust in God, or just in a payment plan?Wise stewardship begins with contentment, and contentment begins with Christ.On Today's Program, Rob Answers Listener Questions:My husband and I are sending our son on a five-week mission trip to Scotland. We're debt-free and want our kids to stay that way. I'm hesitant to open a credit card, but what's the best, safest way to give him access to money while he's overseas?We recently sold our home at a profit, bought a new one, and are now debt-free. However, the new home needs repairs, and we still have a mortgage. Should we tithe on the profit from the home sale, or use those funds for the house needs?I'm a recently retired teacher with two annuities—one worth $19,000 and the other about $13,000. I've just opened an IRA and wonder if I should roll the annuities into it, or if there might be a better strategy.I've inherited a large amount of cash-valued property and need guidance on how to manage it wisely, especially to minimize potential tax liability.We paid off our home in October 2024. Do we need the deed and title to protect ourselves from fraud, or is it handled automatically?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Christian Credit CounselorsWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Sometimes the biggest seasons of growth come from the hardest chapters of life.In this episode, we sat down with the incredibly honest and grounded Anna Lord to talk about what it really looks like to evolve your business while navigating personal change—moving cities, processing grief, shifting priorities, starting a family… and doing it all without losing momentum.We talked about letting go of the timeline you thought you had to follow. About redefining what success looks like (and feels like). About giving yourself permission to shift—not just for the sake of your business, but for the sake of your life.And maybe most importantly, we talked about what happens when you stop trying to do it all and start building a support system that actually supports you.If you've been feeling the tension of growing your business while also being human, this conversation will remind you: you're not behind, you're just in a new chapter. And you're more capable than you think.No more fear of falling behind.No more pressure to get it perfect.No more doing it all alone.You get to evolve. You get to grow slow. You get to win on your terms.Let's talk about what that can actually look like.

Before you hire, launch, or invest, there's one number you need to know: your future break-even point. It's more than a “boring” accounting term; it's one of the most powerful tools you have in your toolkit as a business owner and CEO.  In this episode, Danielle Hayden, reformed corporate CFO and CEO of Kickstart Accounting, Inc., flips the script on how entrepreneurs look at their break-even point by turning it from a financial checkmark into a forward-thinking strategy tool. She walks through how to use it as a launchpad for smarter decisions and puts you in control of your numbers.  Key Takeaways:  Break-Even as a Planning Tool: Knowing your break-even point helps you look forward, not backward, and make strategic choices with confidence.  Know Your Break-Even Before Big Decisions: Calculate how your expenses will change first and then what new revenue you'll need to cover them. Turn Your New Break-Even into Your Revenue Goal: Add a 10–15% profit margin to your break-even number to set a clear, sustainable monthly revenue target. Create a Margin of Safety: If you're not ready to make a leap, build savings in advance so you're financially prepared to take on new expenses with confidence. Numbers Beat Guesswork Every Time: Ditch the gut-based decisions and use this method to plan investments without fear or uncertainty. Topics Discussed: What is Break-Even Point in Business & How to Use It (00:50 – 01:57) How to Calculate Your New Break-Even Number (01:58 – 04:41) Real World Example of Calculating a New Break-Even (04:41 - 06:08) Saving for an Investment & Margin of Safety (06:08 - 07:11) Using Break-Even to Plan Your Next Business Move (07:11 - 08:35)   Related Episode: Ep. 222 | From Burnout to Balance: Redefining Entrepreneurial Success Through Break-Even Analysis with Delanie Fischer of Self-Helpless Podcast   Book a Call with Kickstart Accounting, Inc.: https://www.kickstartaccountinginc.com/book    Connect with Kickstart Accounting, Inc.: Instagram | https://www.instagram.com/Kickstartaccounting YouTube | https://www.youtube.com/@businessbythebooks  Facebook | https://www.facebook.com/kickstartaccountinginc

“The King will reply, ‘Truly I tell you, whatever you did for one of the least of these brothers and sisters of mine, you did for me.'” - Matthew 25:40Some exciting things are happening that will give you more ways to help “the least of these” in God's Kingdom. Brian Holtz joins us today with details about how we can all have the greatest impact in helping those in need.Brian Holtz is the CEO of Compass Financial Ministry and the author of Financial Discipleship for Families: Intentionally Raising Faithful Children.A Call to Reach the MarginsWhen it comes to helping families in financial crisis, good intentions aren't always enough. Real transformation requires more than quick fixes—it takes relationships, discipleship, and time. That's the heart behind Making Ends Meet, a small group video study from Compass Financial Ministry designed to equip churches and communities to walk with struggling families toward lasting financial health.Most financial ministries have historically focused on middle—and upper-income families, but Compass felt God pushing them to address those with no financial margin at all—those who aren't just managing poorly but truly don't have enough income to meet basic needs.In response, Compass partnered with ministries that specialize in serving low-income families to learn the unique challenges these households face, many of which go far beyond budgeting.Why Money Alone Isn't EnoughSimply giving money doesn't create lasting change. It may provide short-term relief, but study after study shows that injecting money into poverty doesn't solve the deeper problem.That's not a reason to stop giving—it's a reason to start giving differently.Jesus didn't just heal people and walk away. He invited them to follow Him. That's the model we need to follow—combining financial help with relational investment.When someone is experiencing financial hardship, it's often not just a matter of dollars and cents—it's about identity, family history, and deeply ingrained beliefs. That's why true transformation requires more than a checkbook; it requires presence.When we invest relationally, we gain credibility. That allows us to speak into someone's life in a way that supports their heart and habits.Understanding the Emotional BarriersOne of the surprising lessons Compass learned during the development of Making Ends Meet is how emotional the journey out of poverty can be.Many poor communities are deeply interdependent. They share what they have and support each other in powerful ways, like the early church in Acts.But when someone begins to move toward financial stability, it can create fear: Will I lose my community if I start to thrive? Will I be accepted if I have more than those around me?This anxiety can be paralyzing, which is why patience and prayer are so critical. These are generational challenges. They won't be overcome overnight, but change is possible with consistent love and support.Learn More and Get InvolvedThe beauty of Making Ends Meet is its simplicity. You don't need to be a financial expert to use it. If you care about people and are willing to walk with them, the study provides a step-by-step framework to break cycles of poverty and help families build a new mindset.This is for anyone already serving in their community through their church, a shelter, or a mentoring ministry. Compass provides the tools to make that investment more effective.To explore how you or your church can use Making Ends Meet, visit CompassFinancialMinistry.org. Whether you're looking to lead a group or come alongside a struggling neighbor, this resource is designed to equip you to serve with compassion and wisdom.Helping others financially isn't just about generosity—it's about discipleship. When we combine truth, love, and time, God can do amazing things.On Today's Program, Rob Answers Listener Questions:How do I get banks to produce my bank statements further back than the seven-year period usually required to keep records? I need bank statements from 10-15 years ago because I believe fraud or theft has occurred.My boyfriend is 62 and is about to receive profit-sharing money in two weeks after he took an early retirement from his job. He wants to put the money in his checking account or keep it in his man cave. I don't know how to get anything lined up for him or what to tell him to change his mind.I would like to send a charitable donation to my church directly from my IRA. I have the RMD forms, but I don't understand them. I don't know what to do by myself and don't want to make a mistake.I'm trying to withdraw some equity from my house, and I'm wondering what you think of a HELOC or an HEI.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Compass Financial MinistryMaking Ends Meet Video StudyWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

The Margin Of Empathy | Advice For The Hurried Life - Part 3 | Encounter Church by Encounter Church

In this episode we answer emails from Yangon, The Value Stock Geek, and Graham.  We discuss the ins and outs of margin accounts at Interactive Brokers, some annoyances with gold ETFs and 1099s, and BTAL vs. treasury bonds.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 CenterTyler On The Security Analysis Podcast:  Tyler (@PortfolioCharts): The Amazing Power of Uncorrelated AssetsAnalysis Of BTAL vs. SPY vs. TLT With Correlations:  testfol.io/analysis?s=jAQO2TjzAPaper Re Stock Market Volatility And Treasury Bonds (C. Moise):  Flights to Safety, Volatility Risk, and Monetary Policy by Claudia E. Moise :: SSRNBreathless Unedited AI-Bot Summary:Diving deep into the financial weeds, Frank tackles several practical questions that impact do-it-yourself investors managing their own portfolios. What begins as a detailed exploration of Interactive Brokers' margin loan program reveals valuable insights about using portfolio assets as collateral, the tax deductibility of margin interest, and how to monitor your account to avoid margin calls.The conversation shifts to an unexpected tax headache many gold ETF investors face: those annoying tiny distributions that clutter 1099 forms while providing minimal value. Frank compares how different brokerages handle these transactions, offering practical advice for simplifying your tax reporting experience. For those weary of manually entering dozens of nickel-and-dime transactions each tax season, this segment provides welcome relief.Perhaps most valuable is Frank's thoughtful analysis of asset correlations and why treasury bonds remain irreplaceable in risk parity portfolios despite recent correlation changes. "Correlations are not magical and they're not random," Frank explains, dismissing the notion that we've entered a "new paradigm" where traditional diversification no longer works. He articulates why correlation changes are tied to macroeconomic conditions and why treasury bonds still serve as essential recession insurance that alternatives like BTAL cannot replace.The weekly portfolio review brings welcome news as most sample portfolios show positive performance, with gold continuing its strong 2024 despite recent pullbacks. Small cap value remains the year's underperformer, while the diverse range of portfolio strategies demonstrates how risk parity principles can adapt to different investor needs.Whether you're considering margin loans, puzzling over gold ETF tax statements, or questioning the role of treasury bonds in today's market environment, this episode delivers practical wisdom for navigating these complex investment waters. Frank's straightforward approach strips away the mystique surrounding these topics, empowering listeners to make more informed decisions with their portfolios.Support the show

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From 'Bustin' Loose Baseball' (subscribe here): It was another rough series for a Nationals offense that has gone mostly cold and a pitching staff that is struggling to get deep into games. Tobi Alitzer & Darris Dameron assess what went wrong as the Nationals dropped 3 of 4 in Atlanta. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Jared Dean isn't winging it — he's a master HVAC sales tactician. With over two decades in the industry, Jared has developed a precise, proven process that earns trust, overcomes objections, and closes premium HVAC systems at a staggering $25K average ticket with a 64% closing percentage.  Jared works just three days a week in the field, serves full-time as a pastor, and still sold $3.5 million last year. In this conversation, he opens up his playbook — step by step.  What you'll walk away with: The first 10 minutes that make or break the sale — Jared's subtle script to uncover decision-makers and secure time commitment without pressure. How to “price-condition” like a pro — Set the stage for high-ticket HVAC sales without triggering objections. The four-option close that boosts average ticket and drives confident, fast decisions. How storytelling + strategic vulnerability generate instant trust (and eliminate hard closing). What to say after they say “yes” — Jared's post-sale move that slashes cancellation rates. The 5-minute habit that separates amateurs from elite sales pros — and accelerates long-term mastery.  Jared proves you don't need to work 60-hour weeks or be a natural-born closer to dominate in residential HVAC sales — you need a system, heart, and the discipline to follow through.  Show Notes The Successful Contractor Podcast is a part of the CertainPath family.  CertainPath builds successful home service businesses—and has for 25 years.  We do it by providing contractors with a proven path to success, professional coaching, software solutions, and a member community of 1,200+ strong. Doubling your sales, with a 20% net profit, and an inspiring company culture is ALL possible.  Let us show you the way. With CertainPath, 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/ 

Episode 180, Segment 1 - It was another rough series for a Nationals offense that has gone mostly cold and a pitching staff that is struggling to get deep into games. Tobi Alitzer & Darris Dameron assess what went wrong as the Nationals dropped 3 of 4 in Atlanta. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Episode 180, FULL SHOW - It was another rough series for a Nationals offense that has gone mostly cold and a pitching staff that is struggling to get deep into games. Tobi Alitzer & Darris Dameron assess what went wrong as the Nationals dropped 3 of 4 in Atlanta; Tobi & Darris dive down to the Minor League level, where the bats of some top hitting prospects are heating up, another top prospect made his professional debut, and two top pitching prospects have returned from rehab assignments; It's Rivalry Weekend across the Major Leagues, which means the Nationals will head to Camden Yards for Round 2 of the Battle of the Beltway Series. Tobi & Darris set the table for the weekend ahead. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

More on dividend growth investing  -> Join our market newsletter!  While dividend growth remains the core of what we do, it's not the only path to building an income stream. In times of market distress, opportunities emerge that are simply too compelling to ignore. When venturing into troubled waters, the key is to stay disciplined and unemotional. Volatility may test you, but the potential rewards can be worth it. In this episode, Greg explores two distinct approaches to finding value from an income perspective. In the first half, he discusses business development corporations (BDCs), which often offer eye-catching yields north of 10%. Using Oaktree Specialty Lending Corp. ($OCSL) as a case study, he unpacks how BDCs are structured, where their income potential comes from, and why they carry above-average risk. More importantly, he shares why patience and preparation are key to capturing value when these high-yield opportunities go on sale. In the second half, we shift gears back to a more traditional name for dividend growth investors. Greg introduces Sysco Corp. ($SYY), a 50-year dividend payer in the essential world of food distribution. Unlike the high-yield, high-volatility world of BDCs, Sysco represents steady, well-managed growth with consistent operations. Even though the stock appears to have been in a holding pattern over the past few years, it fits squarely into our 10-year framework. In both cases, price discipline is essential. Topics Covered:01:46 – Introduction to BDCs (Business Development Corporations)05:18 – Oaktree Specialty Lending Corp Case Study 14:57 – Knowing What You Own: Risk and Return in Distressed Markets 16:23 – When and How to Buy BDCs 19:22 – Total Return Recap from a Past Investment in Oaktree 24:37 – Transition to Traditional Dividend Growth: Enter Sysco Corp 28:17 – The 10-Year Model: Can Sysco Double? 30:08 – Margin & Capital Efficiency Strengths 32:52 – Comparison to Competitors 35:05 – Valuation and Price-to-Sales History 35:29 – Risks: Cyclicality & Debt Load 38:58 – Why a “Boring” Food Distributor Might Outperform 41:39 – Wrapping Up: Patience, Price, and Knowing What You Own Send us a textSchedule a meeting with us -> Financial Planning & Portfolio Management If you submit a question to us and we use it in an episode, we will send you an official The Dividend Mailbox Yeti® Tumbler -> Email us at ethan@growmydollar.com.Notes & Resources:DCM Investment Reports & ModelsVisit our website to learn more about our investment strategy and wealth management services.Follow us on:Instagram - Facebook - LinkedIn - XIf you enjoy the show, we'd greatly appreciate it if you subscribe and leave a review

SummaryIn this episode of the Gird Up Podcast, host Charlie Ungemach speaks with Shawn Herkstroeter, who shares his journey from teaching to his current role at Grace in Action. They discuss the importance of teaching, coaching, and leadership in youth development, as well as the challenges of maintaining work-life balance in ministry. Shawn emphasizes the need for spiritual, emotional, and physical health, and the significance of having margin in life to prevent burnout. The conversation provides valuable insights into the roles of educators and leaders in shaping the lives of young people. In this conversation, Charlie Ungemach and Shawn Herkstroeter explore various aspects of spiritual, physical, and emotional health. They discuss the importance of intentional prayer, the dynamics of family devotions, and the significance of maintaining physical wellness through proper nutrition and exercise. The conversation also delves into emotional health, emphasizing the need for a growth mindset and the impact of relationships on overall well-being. Throughout, they share personal experiences and practical tips for integrating these practices into daily life. In this conversation, Charlie Ungemach and Shawn Herkstroeter explore the importance of understanding relationships, particularly through literature, and the challenges faced in the teaching profession. They discuss the impact of Christian education on shaping the next generation and the role of coaching in supporting teachers and staff. The dialogue emphasizes the significance of finding purpose in teaching and navigating the challenges of ministry, while also highlighting the need for emotional and spiritual health in educators.Chapters00:00 Introduction and Support for Girt Up Podcast01:02 Shawn Herkstroeter's Background and Transition to Grace in Action02:55 Teaching Experience and Philosophy05:47 The Role of Coaching in Youth Development08:46 Leadership and the Principalship11:57 Work-Life Balance in Ministry14:55 The Importance of Margin in Life17:58 Spiritual, Emotional, and Physical Health20:59 Practical Applications of Spiritual Health26:45 Navigating Spiritual Practices32:55 Intentional Prayer and Reflection39:04 Couples and Family Devotions41:44 Physical Health and Wellness49:15 Emotional Health and Growth Mindset52:27 Understanding Relationships Through Literature54:52 The Challenges of Teaching and Teacher Retention56:43 The Impact of Christian Education01:00:00 The Role of Coaching in Education01:07:10 Finding Purpose in Teaching and Coaching01:14:00 Navigating Challenges in Ministry and LifeGrace in Action Coaching Options: https://grace-in-action.com/building-healthy-individuals/Shawn's Favorite Links: https://www.girdupministries.com/herk-favoritesGird Up Links:https://youtube.com/@girdupministries4911?si=tbCa0SOiluVl8UFxhttps://www.instagram.com/girdup_be_a_man/https://www.girdupministries.com Hosted on Acast. See acast.com/privacy for more information.

Most leaders don't have a time problem — they have a margin problem. In this episode, Dave Miller dives deep into how covocational disciple-makers can design their lives around what truly matters. If you've ever felt crushed by overcommitment or unsure how to balance business and ministry, this conversation offers a simple, replicable framework that leads to clarity and freedom. Discover the surprising reason most people stay stuck and how to reclaim your schedule for both kingdom impact and personal joy.Making Moments Matter Resources on Evernote Show Notes:In this episode, we cover:Why margin is essential for both crisis and kingdom opportunitiesThe "yes list" and how it replaces the unrealistic "no list"How to build a habit-based ideal weekFour “margin bombs” that will wreck your rhythm: overcommitment, procrastination, lack of communication, and indecisionHow to multiply your efforts through prayer, training others, and invitationPractical ways to overlap priorities for multiplicational livingCovo Multipliers:Join the Signal Group: To connect with others living the co-vocational lifestyle, share wins/challenges, and get early access to event updates: https://forms.gle/TWB6kGRQWdpgbvFu8Participate in the June 28, 2025 Bible Study: Zoom deep dive into the model of Priscilla and Aquila, facilitated by Dave. Get biblical clarity and shared DNA for multiplying gospel-centered communities. Join Signal Group for access.Prepare for an October Immersion Experience: Mark your calendar—details to come. Live shoulder-to-shoulder with others in a practical environment to accelerate reproducibility.

David Silberman has always been passionate about ping pong. Until he realized something. No matter where he goes, ping pong players typically only have two options for a place to play: either at overpriced bars or run-down dojos.This made David realize there is a huge opportunity in this niche market. What if he can provide an alternative for the ping pong players? A place that offers more value for them at a fraction of the price.In this interview, David sits down with Ryan Atkinson to talk about his journey in growing PingPod, a self-serving ping pong establishment that runs without any onsite staff. How? by utilizing smart tech and innovative product development.  David also shares how his business ideas came about, how he invested in software development to automate his business, and the systems that he uses to make sure his business runs on autopilot. Whether you're an aspiring entrepreneur or a business owner looking to innovate and scale, this episode is packed with actionable insights you don't want to missTakeaways- Ping Pod started as a response to a lack of accessible ping pong venues.- The initial MVP was a pop-up in Manhattan that validated the business idea.- Automation and self-service are key to reducing overhead costs.- Launching during the pandemic presented unique challenges but also opportunities.- Understanding supply and demand dynamics is crucial for niche businesses.- Building your own technology can enhance operational efficiency.- Community building is a rewarding aspect of running a business.- Franchising offers a way to scale while maintaining brand integrity.- It's important to balance passion with smart business decisions.- Success in entrepreneurship requires hard work and a bit of luck.Tags: Sporting Goods, Niche Markets, Business Ideas, Product Development, Passive Income, Software DevelopmentResources:Start Your Business Today: https://links.upflip.com/43cKzdo Connect with David: https://www.instagram.com/dsilby/?hl=en 

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This is Zack Fuss. Today, we are breaking down Interactive Brokers, widely recognized as IBKR. Founded in 1978, Interactive Brokers evolved from a market maker on the American Stock Exchange to a global, cutting-edge electronic brokerage firm. Its founder, Thomas Peterffy, remains far and away its largest shareholder and has earned his place as one of the wealthiest people in the world. To break down IBKR, I'm joined by Freddie Lait and Jacopo Di Nardo of Latitude Investment Management. We explore the journey of IBKR from its early days as Timber Hill to its current status as a publicly traded company with a market cap of nearly $80 billion. We also discuss their differentiated tech stack, their global reach, and their famously low fees. Please enjoy this breakdown of Interactive Brokers. Subscribe to Colossus Review For the full show notes, transcript, and links to the best content to learn more, check out the episode page here. —- This episode is brought to you by Octus, formerly Reorg, is the essential credit intelligence and data provider for nearly 40,000 professionals across the world's leading buy side firms, investment banks, law firms and advisory firms. By surrounding unparalleled human expertise with embedded AI technology, data and workflow tools, Octus unlocks powerful truths that fuel decisive action in financial markets. Visit octus.com to learn how rigorously verified intelligence is delivered at speed to create a complete picture across the entire credit lifecycle.  —- Business Breakdowns is a property of Colossus, LLC. For more episodes of Business Breakdowns, visit joincolossus.com/episodes. Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com). Show Notes (00:00:00) Welcome to Business Breakdowns (00:03:41) Overview of Interactive Brokers (00:04:53) Revenue Streams and Business Model (00:06:15) Competitive Landscape and Differentiation (00:08:38) Founder Thomas Peterffy's Story (00:11:31) Payment for Order Flow and Market Access (00:13:41) Automation and Risk Management (00:16:50) Customer Experience and Balance Sheet Strategy (00:26:33) Growth Opportunities and International Expansion (00:34:34) Valuation and Financial Metrics (00:37:28) Risks and Stress Tests (00:42:13) Lessons From IBKR

In this edition of the Pharmacy Survival Guide series, guests Joey Chamberlain, Parker Baro, Rannon Ching, and Mayank Amin share the hard-earned (and well-won) strategies that keep their pharmacies strong. They talk everything from cash pricing to maximizing margins to turning storage closets into profitable clinics backed by medical billing. Packed with practical tips and real-world wins, this episode is a masterclass in doing more with less.   00:31 – Joey Chamberlain on balancing care and business survival 03:14 – Should you pay for a pricing solution? Why time is money 04:08 – Parker Baro on delegation, priorities, and business focus 07:30 – Rannon Ching on the learning curve of medical billing 09:54 – Real-time insurance tools and fixing billing blind spots 12:15 – Why pharmacy-level care deserves provider-level billing 14:13 – Reframing counseling as consultation for reimbursement 17:00 – Mayank Amin on profit margins, strategic ordering, and innovation 20:11 – Competing with Amazon by offering personalized experiences 22:19 – Diversifying income through clinical services 23:13 – Buying smart: comparing suppliers and boosting script margins 24:00 – Understanding retroactive fees and unpredictable clawbacks 25:19 – Final thoughts: simplify reporting, work smarter, not harder  Hosted By:  - Mark Bivins, SVP of Sales, RedSail Technologies  - Will Tuft | Director of Pharmacy Education & Engagement     Guests:  - Joey Chamberlain | President, CEO of Cheek and Scott Drugs - Mayank Amin | Owner & Chief Patient Advocate, Skippack Pharmacy - Rannon Ching | Pharmacist-in-Charge, Tarrytown Pharmacy - Parker Baro | Medication Transitions Specialist at Denver Health Looking for more information about independent pharmacy? Visit https://www.redsailtechnologies.com 

As startups grow, product teams often find themselves caught between speed and structure. In this episode of The Product Experience, Charlotte King, Lead Product Manager at eBay, shares practical insights from her work leading teams through this transition at companies including Moonpig, Flipdish, and ThoughtWorks. Charlotte unpacks how to define product's role during scaleup, build team structure around strategic value, and use tools like Wardley Mapping and Team Topologies to support organisational change. She also introduces the DHM model (Delightful, Hard to copy, Margin-enhancing) and discusses how to make strategy tangible for cross-functional teams. This conversation is especially useful for product leaders, heads of product, and founders navigating scale.Chapters1:13 – Charlotte's background2:36 – Product's role in startups, scaleups and enterprises4:35 – What product teams need to succeed during scale6:42 – Defining product's role as the company grows9:00 – Using Wardley Mapping to assess team maturity14:30 – Creating and communicating guiding principles20:30 – Using the DHM model to prioritise value25:48 – Structuring teams with Team Topologies29:03 – Multidisciplinary collaboration in practice30:41 – Lessons from leading transformation32:30 – Final reflections and takeawaysFeatured Links: Follow Charlotte on LinkedIn | eBay | Wardley Maps | What we learned at #mtpcon London 2025' feature by Kent McDonald and Louron PrattOur HostsLily Smith enjoys working as a consultant product manager with early-stage and growing startups and as a mentor to other product managers. She's currently Chief Product Officer at BBC Maestro, and has spent 13 years in the tech industry working with startups in the SaaS and mobile space. She's worked on a diverse range of products – leading the product teams through discovery, prototyping, testing and delivery. Lily also founded ProductTank Bristol and runs ProductCamp in Bristol and Bath. Randy Silver is a Leadership & Product Coach and Consultant. He gets teams unstuck, helping you to supercharge your results. Randy's held interim CPO and Leadership roles at scale-ups and SMEs, advised start-ups, and been Head of Product at HSBC and Sainsbury's. He participated in Silicon Valley Product Group's Coaching the Coaches forum, and speaks frequently at conferences and events. You can join one of communities he runs for CPOs (CPO Circles), Product Managers (Product In the {A}ether) and Product Coaches. He's the author of What Do We Do Now? A Product Manager's Guide to Strategy in the Time of COVID-19. A recovering music journalist and editor, Randy also launched Amazon's music stores in the US & UK.

Are we heading toward a recession—or just stuck in macroeconomic purgatory? In this episode of Excess Returns, Dave Nadig and Matt Zeigler sit down with Cameron Dawson, CIO of NewEdge Wealth, to explore the uncertain territory between headline-driven panic and hard data reality. From the implications of sweeping tariffs to the capital account war no one's talking about,Cameron offers one of the sharpest macro takes we've heard. We cover where the market might go next, how investors should respond to volatility, and what signals to trust in a confusing environment.Topics Covered:Why we're in a “no man's land” between tariffs and hard dataThe potential economic fallout of 145% tariffs on ChinaCapital account war: Why treasury demand may be fadingWhat the collapse in shipping and trucking data tells usHow margin compression could trigger job cutsThe case for value over growth after a Mag 7 blow-offUsing technicals, sentiment, and positioning to spot turning pointsWhy quality stocks may beat traditional defensivesWhether hedging is worth it vs. holding T-billsPractical strategies for rebalancing through market chaos

As Charlotte Mason Homeschoolers, we all know the challenge it is to find balance in all the other parts of life besides our school lessons. With so many priorities and responsibilities, it is imperative that we continue to evaluate and seek to find balance in our lives. In this podcast episode Emily, Liz, and Nicole discuss the challenges, mistakes, and tips they have for balancing relationships, home responsibilities, service, and ministry opportunities. CM Simple Languages www.livingbookpress.com Use code "delectable" at check out to receive 10% off your order Melissa Petermann's Video: Mindset, Margin, and Tactics ADE's Teacher Training Videos ADE's Patreon Community

With margin borrowing, you can give your investments a boost— but if you're not careful, you could also lose more than you gain. Nicole explains the concept, and whether it's a money move you should make.