Podcasts about Margin

Send a textOn a recent cruise in the Caribbean, God began speaking to me about something I didn't realize I was missing — margin.Not more productivity.Not more opportunity.Margin.The space between my load and my limit. The breathing room in my time, finances, and emotional energy.In this episode, I share how Jesus modeled margin for ministry, Mark 1:35, why interruptions are often divine assignments, and how living too full can cause us to miss the very people God places in front of us.Because love requires availability.And availability requires space.I'll also give you practical ways to build intentional margin in this season and reflection questions to help you discern where you may be overfilled.If you're longing to slow down and hear God more clearly, this episode is for you.And if you want guided space to practice listening and creating with Him, explore my Creative Healing Bundle, Refreshing the Soul, or Ashes to Bloom.God still speaks. Sometimes we just need to make room.

Live from Joe's mom's basement (where the jokes are free but hospital care apparently isn't), the Stacking Benjamins crew tackles two very real financial stressors: surprise medical debt and a shifting housing market. First up is Amani Vance, who joined the Coast Guard at 19 and soon faced a nightmare scenario. What started as appendicitis escalated to severe sepsis after limited on-base resources and long waits for off-base care. After hospitalization, including treatment for an abscess and eventual appendix removal, Amani received a bill totaling roughly $43,000 to $45,000. And here's where it gets worse. She didn't qualify for VA help because she hadn't yet served 180 days. Accessing Coast Guard records proved difficult. The bill arrived after the care, opaque, overwhelming, and completely disconnected from what she had agreed to or expected. If you're a Stacker, you know this feeling. The stress isn't just the number. It's the lack of clarity. Amani shares how she started researching options, discovered the nonprofit Dollar For through Reddit, and used them to apply for hospital financial assistance. Dollar For helped her complete and submit the required forms, and within weeks, she was approved for 100% financial assistance, wiping out the bill entirely. Joe Saul-Sehy highlights an important takeaway. Nonprofit hospitals are legally required to offer financial assistance. Many for-profit hospitals offer programs, too. Income thresholds are often higher than people assume. The applications can be confusing, which is where advocates like Dollar For can make a huge difference. Instead of locking into $300 to $500 monthly payments for years, Amani walked away debt-free and with a completely different outlook. After Doug drops trivia about the youngest bank robber (yes, really), the crew pivots to housing. A recent Wall Street Journal/Redfin headline suggests the housing market may be tilting toward buyers, with more homes selling below list price and average sales around 8% under asking. Joe and OG break down what that means for Stackers, not in headline hype terms but practical life terms. What You'll Learn: Medical Bills and Financial Assistance: • Why medical debt feels different from other debt • How hospital financial assistance programs work • Why many people qualify but never apply • How nonprofits like Dollar For can help navigate the paperwork • Why you should always ask for itemized bills and assistance options Housing Market: Think Forward, Not Backward: • Why you shouldn't get stuck in your mortgage just because you locked in a low rate • How anchoring to past rates can cloud present decisions • Why negotiating power is shifting and how to use it • The importance of building financial margin when income rises • Smart, low cost staging tactics, including hiring a pro for just an hour of advice • How AI tools can help with pricing and presentation ideas The Big Takeaways: Before paying a massive medical bill, check whether you qualify for assistance. Financial stress often comes from confusion. Clarity is power. Housing decisions should be forward-looking, not emotionally anchored to the past. Margin and flexibility beat perfect timing. This Episode Is For You If: • You're facing medical debt and thought you had no options • You've been putting off dealing with a hospital bill because it feels hopeless • You're stuck in a low rate mortgage and wondering if you should move • You want to understand what's really happening in the housing market • You believe there's always more to the story than the bill or the headline Question for You: Have you ever negotiated or reduced a bill you initially thought was non-negotiable? Share your story in the Spotify comments or The Basement Facebook group. Your experience might help another Stacker avoid paying more than they should. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Recent analysis from Goldman Sachs indicates that $700 billion in AI investment during 2025 resulted in no measurable U.S. GDP growth, with most AI equipment imports negating domestic benefits and 80% of surveyed firms reporting no productivity or employment improvements. This pattern suggests that AI-related spending has primarily shifted margins from enterprise IT budgets to a small number of infrastructure vendors rather than delivering distributed value. Internal concerns are rising, with 90% of IT leaders questioning AI's return on investment, and 80% citing fragmented data as a primary challenge to measuring outcomes. Further context reveals that agentic AI initiatives face operational headwinds: Gartner expects 40% of such projects to be cancelled by 2027, and S&P Global found nearly half are abandoned before production, most often due to inadequate planning and data foundations. Margin erosion is widespread, attributed to AI implementation costs, and attempts to scale AI agents into production remain limited by inference costs and insufficient infrastructure. Despite increased adoption efforts, sustainable value delivery from AI platforms remains elusive for most organizations. Enterprise AI access is becoming increasingly concentrated. OpenAI's partnership with consulting firms such as BCG, McKinsey, Accenture, and Capgemini consolidates control of the enterprise distribution layer, narrowing competitive opportunities for smaller providers. Meanwhile, Amazon's 13-hour AWS outage, linked to the misconfiguration of an internal AI tool, underscores the liability ambiguity in agentic systems—where vendors may attribute autonomous actions to user error, complicating risk assignment. Additional updates from vendors such as Anthropic, Cloudflare, and New Relic address incremental technical capabilities, with a distinct focus on cost, operational governance, and policy enforcement. The prevailing themes for MSPs and IT leaders are increased scrutiny of AI value, heightened exposure to cost and accountability risk, and the emergence of managed service opportunities around data governance, cost instrumentation, and liability management. With enterprise market channels consolidating and risk shifting toward service providers, integrating robust contractual definitions for autonomy, incident attribution, and financial boundaries is essential to limit harm and clarify responsibility before incidents occur. Four things to know today 00:00 Goldman: $700B AI Spend Delivered Near-Zero U.S. GDP Growth in 2025 03:49 OpenAI Enlists BCG, McKinsey, Accenture to Distribute Enterprise AI Agents 06:44 Report: Amazon's Own Engineers Prefer Claude Over Its Mandated Internal Tools 08:56 AI Inference Costs Are Falling — But Governance Gaps Are Growing This is the Business of Tech.    Supported by: CometBackup  Small Biz Thoughts Community   

Landon Swan talks about his firm's recent data on Salesforce (CRM) following the stunning sell-off in shares. He points to the general SaaS stock selling as overblown and expects Salesforce to bounce on its earnings. However, Landon still sees AI threats and margins as concerns for the company's long-term outlook. ======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe 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

Tariffs, inflation, and rising labor costs are putting real pressure on shop margins right now—and I know a lot of shop owners are asking how to recover those costs without upsetting customers. In this episode of Ratchet+Wrench Radio, I sit down with payments expert Randy Motos to break down surcharging: what it is, how it works, what the compliance rules really are, and why “freedom of choice” at checkout is becoming a go-to strategy for shops looking to offset credit card fees while protecting customer trust.

If you sell product, you should be asking.In this episode, Cheryl and Liz discuss how to build vendor relationships that actually improve your margin with better pricing, extra percentages, showroom discounts, and free samples by strategy. They share how to pre-sell projects, position your showroom as leverage, communicate upcoming sales, and negotiate from clarity instead of hope. Because reps are motivated by volume — and if you're moving product, you have influence. This is about operating like a business owner.If you are ordering it anyway, ask.If you are promoting it, ask.If you are bringing them business, ask. Margin often lives in the conversation you didn't initiate.Have a question--click here to ask us.RESOURCE LINKS:Damn Good Workshops - WebsiteJoin us for our next workshop on February 25!These workshops are 2–3 hour deep dives (some more than one day) built for creative entrepreneurs who want to lead with confidence, price with authority, and grow with intention. We created this workshop series with tracks that cover the challenges we know designers face: pricing, sales, client relationships, project management, marketing, and leadership.Each workshop is designed to stand alone — so you can choose the topics that matter most right now — while still connecting to the bigger picture of building a profitable, sustainable design business.Damn Good Designer - Damn Good Designer - WebsiteThe best multi-faceted business coaching for Interior designers—seriously. This is not some wham-bam glamathon; It is the real deal you have been looking for and what is missing from the business coaching marketplace today.The Paradigm Quick Start - 3 Month Custom Coaching ProgramThe Paradigm Shift - 6 Month Custom Coaching ProgramThe Paradigm Intensive - 12 Month One on One Immersive Custom Business CoachingJoin our FREE Facebook GroupsSmall Business - Think Big - FacebookWhat They Didn't Teach You in Design School - Facebook GroupFor designers who need honest talk and a place to work on the business, marketing and promotion small business owners need.Subscribe to our NewsletterABOUT US:Cheryl Clendenon is the host of The Damn Good Designer Podcast and an award-winning interior designer, writer, and business coach with 26 years of full-time industry experience. With a prior career in media and radio sales, she brings a rare blend of creative thinking and business acumen to the...

1. All seven people on board were feared dead as an air ambulance transporting a burn victim from Ranchi to New Delhi crashed in Jharkhand's Chatra district on Monday night, in the latest safety crisis to hit India's aviation sector. 2. 'Any country that wants to play games...': Trump issues 'higher tariff' threat 3. Former British ambassador to the US, Peter Mandelson, was arrested by London police on suspicion of misconduct in public office on Monday, a development that came after revelations over his ties to sex offender Jeffrey Epstein. 4. The West Indies blew away T20 World Cup 2026 surprise package Zimbabwe by a massive 107-run margin in Mumbai on Monday, taking a significant early lead in their Super 8 campaign. 5. The BAFTA (British Academy of Film and Television Arts) has released an apology after Tourette's syndrome campaigner John Davidson shouted a racial slur at Michael B. Learn more about your ad choices. Visit megaphone.fm/adchoices

JOST Werke SE delivered a resilient performance in FY 2025 despite a mixed macroeconomic backdrop across global commercial vehicle markets. While freight volumes and trailer registrations normalized in parts of Europe and North America, structural demand drivers such as fleet renewal, efficiency requirements, and regulatory standards remained intact.Revenue remained stable, supported by geographic diversification and a broad product portfolio spanning truck and trailer systems, axle solutions, and agricultural components. The company maintained a solid adjusted EBITDA margin, demonstrating strong pricing discipline and cost control. Operating and free cash flow generation remained robust, underlining JOST's structural cash-generative profile.Margin stability in a moderating demand cycle reflects operational improvements implemented in recent years, including supply chain optimization, procurement efficiencies, and production flexibility. Agricultural and aftermarket activities provided additional resilience, while strong OEM relationships across Europe, North America, and Asia supported global positioning.The balance sheet remains solid, with controlled leverage, a healthy equity ratio, and continued deleveraging. Capital allocation stays disciplined, prioritizing organic growth, selective M&A, and sustainable shareholder returns.Strategically, JOST focuses on efficiency programs, digitalization, lightweight components, and sustainability-driven innovation. Electrification and evolving safety standards in commercial transport represent long-term growth opportunities.Overall, FY 2025 confirms JOST's ability to navigate cyclical fluctuations while protecting margins and cash flow — reinforcing its positioning as a structurally improved, financially disciplined industrial supplier within global transport supply chains.▶️ Other videos: Elevator Pitch: https://seat11a.com/investor-relations-elevator-pitch/ Company Presentation: https://seat11a.com/investor-relations-company-presentation/ Deep Dive Presentation: https://seat11a.com/investor-relations-deep-dive/Financial Results Presentation: https://seat11a.com/investor-relations-financial-results/ ESG Presentation: https://seat11a.com/investor-relations-esg/ T&C This publication is intended solely for informational purposes and does not constitute investment advice. By using this website, you agree to our terms and conditions as outlined on www.seat11a.com/legal and www.seat11a.com/imprint.

Six Flags posted Q4 2025 results this week. Modified EBITDA margin fell from 33.2% to 27.1%. Attendance dropped 13%, with roughly 425,000 of those lost visits tied directly to cutting winter holiday events at four parks — a decision the company now calls a self-inflicted headwind. New CEO John Reilly is two months into the job and was candid about not yet having a full plan. He's toured 14 parks, collected over 300 employee proposals, and shared examples from his listening tour: increasing ride uptime and throughput, placing executive chefs in parks, and buying equipment the chain has been renting at a loss for years. All good ideas. All things that probably should have been happening already. What the examples reveal is a deeper structural problem with how information and decisions have flowed across 26 parks — and whether the merger made that worse. Reilly deserves time. But the margin, the debt, and the parks that barely contribute to EBITDA aren't going to wait forever. Listen to weekly BONUS episodes on our Patreon.

Laois' Patrick Harding, the performance coach for Formula One driver Alex Albon, joins Eve Conway in studio to talk through his journey from the GAA, to the Olympics, to the Premier League and now to the pinnacle of motorsport. Ahead of the 2026 F1 season starting in Australia next week, with a whole new generation of cars, Patrick chats about how to extract every inch of performance from a driver over the course of the weekend, competition in the garage, and his favourite races.

How do we live within our means in a culture that constantly pushes us to spend more? In this message from our "Dollars & Sense" series, Pastor Josh shares biblical principles and practical guidance around budgeting, discipline, and contentment—pointing us toward a healthier relationship with money and a life with less stress and more peace. // Verses and message notes: www.theridge.church/notes // Join us online or in person Sundays at 9a + 11a: www.theridge.church/live

Let me know your thoughts on the show and what topic you would like me to discuss next.You keep saying “after this,” and life keeps answering with another deadline, another fire, another request that only you can handle. We pull the thread on that story and reveal the structure underneath: a high capacity life that generates new pressure faster than the old pressure resolves. Not because you plan poorly or lack discipline, but because people depend on you, you deliver, and the system rewards reliability with more demand.We walk back through the last three years and map the moments you promised change would happen later: after the quarter closes, after the promotion, after the move, after the kids are older. The details shifted, but the pattern held. Along the way we name the hidden costs you might be normalizing as “temporary”: a spouse who adapts to partial presence, kids who stop bringing you the deep stuff, and an internal compass dulled by constant reactivity. Nothing explodes, nothing obviously breaks, yet influence erodes as others learn to work around your limited availability.Then we pivot from diagnosis to design. Margin isn't found at the end of your task list; it's created by deciding what will not be urgent and by acting on priorities despite imperfect timing. We offer practical moves: write down the last five “after this” promises and note what actually changed; set a cap on what earns the crisis label; schedule device‑free, recurring time with your partner and each child; install simple work constraints that protect presence, like no same‑day late meetings or a nightly shutdown ritual. The goal isn't doing less or becoming less capable. It's aligning capability with commitments so the people who matter get more than your leftovers.If you've wondered how many more years you'll wait for the mythical calm season, this conversation invites a different choice. Call the pattern what it is, stop asking circumstances for permission, and create margin now. If this resonated, subscribe, share it with a friend who needs the nudge, and leave a review telling us the one boundary you'll set this week. Your future self—and your family—will feel the difference.Key moments in this episode:00:00 This Isn't a Busy Season...It's a Pattern (Full)00:42 Mapping Your Timeline08:29 Why Temporary Becomes Permanent11:30 The Real Cost of Deferring14:56 Breaking the PatternSupport the showThanks for listening to the Revolutionary Man Podcast. For more information about our programs, please use the links below to learn more about us. It could be the step that changes your life.

Rob Schimmenti is flipping houses in New York City — one of the most competitive real estate markets in the country — and closing 15 high-margin deals per year primarily through driving for dollars. In this episode, he breaks down his real numbers, how he generated nearly $3M from 26 deals, why his driving-for-dollars list produces bigger spreads than PPC or high-equity lists, how he calculates ROAS, and the simple postcard tweaks that improved his response rates. If you want to compete in a saturated market without a massive team or complicated funnels, this is a practical look at what's actually working.   KEY TALKING POINTS: 0:00 - Intro 0:50 - Rob Schimmenti's Business 1:42 - Learning From Alex Hormozi 3:28 - His First Deal Under Contract 7:22 - Fractional Ownership Process 10:11 - Finding ROAS & His Next Deal 13:30 - Closing Costs In NY 14:35 - What His Team Looks Like 16:21 - Driving For Dollars 20:28 - D4D vs List Building 23:11 - How He's Improved His Postcards 26:57 - Where To Find Rob & Closing Thoughts 29:07 - Outro   LINKS: Instagram: Rob Schimmenti https://www.instagram.com/robschimmenti/   Website: Cash 4 Keys https://www.cash4keys.com/   Instagram: David Lecko https://www.instagram.com/dlecko   Website: DealMachine https://www.dealmachine.com/pod   Instagram: Ryan Haywood https://www.instagram.com/heritage_home_investments   Website: Heritage Home Investments https://www.heritagehomeinvestments.com/

Book a free strategy call to see how we can help you hit your goals and beyond: https://bit.ly/3TvGiNW or call us at: (214)-453-1591Grab our FREE resource: The Foundation Series, Real strategies to build a business that runs (and grows) without chaos: https://bit.ly/3Yqzow5────────────────────────────────────────────────────────────────────────────────“How did I do this before?”That's the number-one thing ServiceTitan hears from contractors after they make the switch. And now, ServiceTitan and CertainPath are officially partnered—which means the best coaching in home services just got paired with the most powerful software platform in the industry.In this episode of The Successful Contractor, Bob sits down with Joseph Morales and Phil Stern from ServiceTitan—recorded live at CertainPath's Eagles' Summit—to unpack what this partnership means for contractors, what's new with ServiceTitan's Pro Products, and why the AI revolution is already changing how you dispatch, market, and grow.Joseph has spent four years on the road meeting contractors face-to-face. Phil came from 12 years at Google, where he worked on AI solutions and partnerships with brands like Wells Fargo and Ford. Together, they break down ServiceTitan's biggest announcements—from the commercial and construction expansion to the AI-powered Dispatch Pro that's already proving your gut instincts wrong.What You'll Learn in This Episode:•        Why ServiceTitan and CertainPath partnered—and why Phil says “CertainPath's model was a perfect fit”•        The “How did I do this before?” moment—what contractors consistently say after adopting ServiceTitan•        How one contractor was spending 4 hours a day tracking time through email—and how geo-fencing automation eliminated it overnight•        Dispatch Pro: the AI tool that's matching the right tech to the right job for profit—and proving that your “best guy” isn't always who you think•        Marketing Pro: the most-adopted Pro Product, with smart campaigns, UTM tracking, reputation management, and AI-powered ad optimization•        Scheduling Pro: how to automate maintenance contract bookings and online scheduling—straight into your ServiceTitan dashboard•        Atlas and Titan Intelligence: ServiceTitan's new AI-powered voice and dispatching tools•        Titan Score: how ServiceTitan grades your software usage and tells you where to expand next•        The commercial and construction expansion: why contractors who dismissed ServiceTitan as “residential only” need to take a second look•        ServiceTitan's roofing push: the GAF partnership and growing adoption across trades•        CertainPath coach certification: 40–60 hours of training, full curriculum access, and demo accounts—so your coach knows the software inside and out•        Why ServiceTitan is “all in” on CertainPath events—not a one-and-done partnershipWhether you're already on ServiceTitan and want to get more out of it, or you've been on the fence about making the switch—this episode gives you the inside track on where the software is going and how CertainPath coaching is about to make it even more powerful.

In Episode 95 of the Land to Lots™ Podcast, Carter Froelich sits down with Scott Cox, Principal of SLC Advisors and a frequent contributor to The Builder's Daily, for a candid discussion on what is really driving builder stress right now. While margins may still look acceptable on paper, many private builders feel pressure building beneath the surface. The issue is not just today's closings, but higher-basis land in the pipeline, slower absorption, and the simple reality that time is expensive. Carter and Scott explore the difference between managing to a pro forma and managing to the market. They discuss why sales velocity often matters more than protecting the last point of margin, how to calculate the true monthly carrying cost of a community, and why that number alone can reshape pricing decisions. Scott also shares practical ways to protect backlog without losing momentum, how trapped cash impacts capital structure, and when it may be time to revisit product instead of relying only on incentives. In this episode, you'll learn: 1.      Why margin concerns today are often rooted in tomorrow's land pipeline. 2.      The dashboard metrics builders should be watching when absorption slows. 3.      How to calculate the real monthly cost of being in a project. 4.      How trapped cash impacts capital structure and future deal flow. 5.      When protecting backlog makes sense and when it becomes counterproductive. 6.      Why velocity protects more than revenue. 7.      How to evaluate product utility against competitors in a practical way. 8.      When it is time to revisit product instead of simply cutting price. Show Notes: Scott Cox 01scottcox10@gmail.com https://www.linkedin.com/in/scott-cox-25874154/ Plus: Whenever you're ready here are 4 ways Launch can help you with your project: Prepare a Special Tax District Bond Analysis for your Project – If you have a projects in AZ, CA, CO, ID, NC, NM, SC, TN, TX, UT, WA contact  Carter Froelich (ADD MY EMAIL LINK) and have Launch prepare an initial bond analysis for your project. Add Favorable Financing Language to Annexation and/or Development Agreements – Create certainty and flexibility related to your project's infrastructure financing by having Launch professionals prepare handcrafted favorable financing language for inclusion in your Annexation and/or Development Agreement. Perform The RED Analysis™ on your Project – We have developed a unique process at Launch called The RED Analysis™ in which we perform a diagnostic review of your project to determine possible ways to Reduce, Eliminate and Defer infrastructure construction costs in order to enhance project returns. Track Your Reimbursable Costs Utilizing The Launch Reimbursement System™ ("LRS") – Never lose track of your district eligible reimbursable costs and have Launch manage your district's costs reimbursement tracking, preparation of electronic reimbursement submittal packages and processing of your reimbursement requests with the district, jurisdiction and/or agency. Complimentary Offers for Land to Lots™ ListenersComplimentary Land to Lots book: https://www.launch-mpc.com/offer Complimentary Bond Sizing Analysis:  https://form.jotform.com/231376408765160 Carter Froelich hosts the Land to Lots™ podcast powered by Launch Development Finance Advisors. Carter shares how he and his team help their clients finance infrastructure, reduce costs, and mitigate risks all with the goal of enhancing project profitability Land to Lots™ is a registered trademark of Launch Development Finance Advisors

EnWave Corporation CEO Brent Charleton joined Steve Darling from Proactive to discuss the company's financial results for the first quarter ended December 31, 2025, highlighting revenue growth, rising royalties, and improved margins compared to the same period last year. The company reported higher Q1 revenue year-over-year, driven primarily by large-scale machine sales and increased royalty income. During the quarter, EnWave commissioned one large-scale machine and completed the fabrication of two additional large-scale machines under contract, contributing to the revenue uplift. Charleton noted that royalties—excluding exclusivity payments—increased by 18% compared to the same quarter in the prior year. Total reported royalty revenue for Q1 2026 rose 12% year-over-year. The growth was attributed to a combination of factors, including an expanding base of royalty partners, increased product sales, higher partner production volumes, and exclusivity payments recognized during the quarter. Profitability metrics also improved meaningfully. Gross margin for Q1 2026 reached 37%, up from 29% in the three months ended Q1 2025. Management attributed the margin expansion to a stronger contribution from higher-margin royalty revenue as well as the production mix of large-scale machines at various stages of fabrication and commissioning. Operationally, the quarter included several strategic milestones, with EnWave signing new contracts across multiple jurisdictions, including North Queensland, Australia, New Zealand, and the United States. The company said these agreements further expand its global footprint and reinforce demand for its proprietary dehydration technology platform. #proactiveinvestors #enwavecorporation #tsxv #enw #EarningsReport #RevenueGrowth #RoyaltyRevenue #MarginExpansion #DehydrationTechnology #FoodTech #IndustrialInnovation #MachineSales #GlobalExpansion #AustraliaBusiness #NewZealandBusiness #USBusiness #TechCommercialization #ManufacturingGrowth #IPLicensing #OperationalMilestones

Send a text When there's no margin left, even the life you love can feel tight. This conversation sits with that tension — and reminds you to stay steady in it.

Send a textMarkup vs. margin is one factor that directly affects your profit — and if you don't know the difference, it could explain why you're not making as much as you expect.

(00:00-18:05) So What'd Your Grandma Think featuring Jackson's favorite coach Mick Cronin not happy with the question about Michigan State's student section. Audio of Josh Schertz's post game comments about his team's lackidaisical effort catching up to them. Kellen Thames's struggles. Margin of error has shrunk for the Billikens.(18:13-30:45) Doug's boiler cam. Is he stress eating? Jason Isringhausen is coaxed over to the show. His golf game. Working with the younger guys in camp. John Rodriguez with the J-Rod spikes. Johnny Load. Izzy's mustache is looking wonderful.(30:55-31:13) And the winner of the Design Aire Heating & Cooling EMOTD is...See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Reach Out Via Text!Spring is almost here, and if you don't get proactive right now, you're going to feel it in your margins! In this episode, Jeremiah walks through highly actionable steps to bulletproof your landscaping business before March 1 hits — covering price increases, cash flow protection, production efficiency, and selling high-margin enhancements. He breaks down exactly how to use real man-hour data to justify raises, why mid-season price increases hurt your brand, and how to build a scalable system targeting $100 revenue per hour and 50% gross profit. You'll also hear practical strategies for tightening routes, increasing lead flow, building contractor relationships, and avoiding the trap of hiring too fast during spring rush. This is a tactical, no-fluff roadmap to starting the season strong and protecting your margins all year long!Support the show 10% off LMN Software- https://lmncompany.partnerlinks.io/growinggreenpodcast Signup for our Newsletter- https://mailchi.mp/942ae158aff5/newsletter-signup Book A Consult Call-https://stan.store/GrowingGreenPodcast Lawntrepreneur Academy-https://www.lawntrepreneuracademy.com/ The Landscaping Bookkeeper-https://thelandscapingbookkeeper.com/ Instagram- https://www.instagram.com/growinggreenlandscapes/ Email-ggreenlandscapes@gmail.com Growing Green Website- https://www.growinggreenlandscapes.com/

We discuss the recent market dislocation where SaaS stocks are crashing while the broader market hits all-time highs. We break down the three main fears driving the sell-off and debate which companies—like Adobe and Salesforce—are actually at risk. Finally, we share how we are handling the volatility, with Jeff buying more Shopify and Jason using a "barbell strategy" to stay sane.02:27 Housekeeping03:53 Episode Setup06:37 Three AI Threats to SaaS: 09:23 Is AI Really Different? 12:59 Stock Spotlight: Adobe18:35 The Real Issue: Moats, Stickiness, Switching Costs, and Resetting SaaS Multiples23:18 LLMs Aren't Free23:49 Why SaaS Stocks Are Selling Off25:11 Shopify vs. Toast27:06 Disruption Timelines & Valuation Reratings29:19 Earnings Season as the Reality Check31:53 Tactical Moves: Selling Puts for Margin of Safety33:02 Barbell Portfolio Strategy: Growth on One Side, Dividends on the OtherCompanies mentioned: ABNB, ADBE, ASAN, CRM, CRWD, ENPH, EPR, MNDY, MSFT, NOW, O, PYPL, SHOP, SQ, TEAM, TOST, TTDFind where to listen & subscribe,  portfolio contests, and contact information at https://investingunscripted.com*****************************************To get 15% off any paid plan at fiscal.ai, visit https://fiscal.ai/unscriptedListen to the Chit Chat Stocks Podcast for discussions on stocks, financial markets, super investors, and more. Follow the show on Spotify, Apple Podcasts, or YouTube*****************************************Join our PatreonSubscribe to our portfolio on Savvy Trader

In this episode, Dr. Killeen breaks down why expectations can quietly become your biggest liability to happiness, peace of mind, and even financial freedom. He explains how happiness often works like a ratio and how unchecked expectations can move the goalposts without you noticing. Through the idea of a Margin of Freedom, this conversation is a reminder that clarity around what is enough can lighten life in powerful ways. A simple reflection at the end helps you reset before expectations start running the show.

Send a textIn this episode of The Corporate Life, Hina Siddiqui sits down with Ryan Hawley, CEO of Odin Industries, to explore the high-stakes world of international medical logistics and defense-based risk mitigation. Ryan Hawley shares his transformation from an emergency room nurse and air ambulance specialist - visiting 143 countries - to a visionary entrepreneur building a legacy of service for veterans and global security firms. He offers a candid look at the sacrifices required for success, famously noting that "Big dreams don't come quietly. They demand risk".Key TakeawaysSuccess requires treating your company like a child, demanding long hours and intense dedication to see it grow. Leadership in crisis-driven industries necessitates emotional resilience and the ability to perform under pressure without becoming overwhelmed. Entrepreneurs must embrace total accountability, as blaming others destroys relationships and hinders company growth.Episode HighlightsFrom the ER to the C-Suite: How a background in nursing prepared Hawley for the adrenaline and tough choices of global business. Scaling Odin Industries: Landing one of the world's largest security firms within a year of starting from a couch. The Cost of Ambition: Honest reflections on missing early family moments to build generational wealth and a lasting legacy. Shield of Odin: Expanding the portfolio to support veterans with medical evidence for disability claims.Timestamps02:37 — Childhood dreams of firefighting and the shift to nursing 04:16 — International air ambulance nursing and visiting 143 countries06:31 — Starting Odin Industries and the importance of professional networks 13:14 — How running a business hardens a leader and demands steadfastness 20:37 — The story of the most challenging medical case in Africa 28:07 — Why the movie of his life is titled "Son of Odin"Connect with GuestWebsite: odinindustriesllc.com Instagram: @odin_ceo or @odin_industries Veteran Services: shieldofodin.comConnect with HinaWEBSITE I https://thehinasiddiqui.com/ LINKEDIN I / hinasiddiqui INSTAGRAM I @hinawithwings YOUTUBE I / @thehinasiddiqui Email I hina@thehinasiddiqui.comCheck out Hina's books: https://amzn.to/3B65Wz7Production Credit: Edited and produced by @the32collective_ / https://www.the32collective.co/

Estimating isn't just math—it's how contractors decide which risks they're willing to own. In this episode of the Construction Genius Podcast, Eric Anderton talks with Chris Clausing, Director of Program and Curriculum Innovation for Construction at Colibri Group, about why estimating is still more art than science—and why contractors consistently miss the risk margin that protects profit. Drawing on 25 years as a commercial general contractor, Chris explains how regional differences, niche discipline, poor handoffs, and earned value blind spots quietly erode margins. They also discuss how AI can help identify estimating risks—if it's adopted thoughtfully. If you've ever won work that you later wished you hadn't, this episode will change how you think about estimating.  

In this episode, host Don Adeesha joins Laura Crowley, CEO of Laura Janet & Co, to tackle the "retail gap" in aesthetic practices. Laura explains why the best clinical providers often struggle with retail sales, feeling that it compromises their clinical integrity. She shares how to psychologically rewire a team to reframe product recommendations from a commercial upsell to a necessary part of patient advocacy and optimal medical results. Laura breaks down the operational failures that cause half of your patients to leave empty-handed, advocating for retail integration that starts with pre-appointment paperwork. She details how to fix the consultation and checkout process by presenting a comprehensive written treatment plan and then simply "stopping talking" to avoid over-explaining the price. Beyond tactics, she warns against just throwing commission at low sales, instead emphasizing financial transparency, regular one-on-ones, and targeted product education to foster an ownership culture among staff. Finally, Laura encourages owners to embrace employee personal branding as a powerful marketing tool rather than fearing patient theft. For owners trapped in the treatment room, she shares her blueprint for stepping back: delegating low-hanging tasks to an assistant, building Standard Operating Procedures (SOPs), and dedicating non-negotiable "CEO hours" to strategically work on the business instead of in it.  

In this episode of Growing eCommerce, Mike Ryan and Chris debunk three persistent myths that are still holding retailers back in 2026. While everyone is distracted by the hype of UCP and Agentic Commerce, many accounts are bleeding efficiency due to outdated structures like the "Heroes & Zombies" matrix and one-dimensional margin buckets.We break down why these old-school tactics create self-fulfilling prophecies of failure and share what sophisticated retailers are doing instead to balance volume, margin, and the new reality of AI-driven search.In this episode, we cover:The "Zero Click" Wake-Up Call: Why the shift to walled gardens means you need to fix your tactical basics now before the ecosystem changes forever.Myth #1: Heroes & Zombies: Why classifying low-volume products as "zombies" is a logical flaw that starves your potential growth engines. We explain the danger of using historical data to doom new products.Myth #2: Margin Buckets: Why segmenting campaigns by gross margin % (e.g., 0-5%, 5-10%) is dangerous. Mike shares data showing how this ignores conversion volume and pricing strategies, leading to "death by optimization."Myth #3: PMax vs. Standard Shopping: It's no longer an either/or decision. We discuss the rise of hybrid setups and why Standard Shopping is actually gaining cost share again.Key Takeaways:Don't rely on single-dimensional data: Grouping products solely by ROAS or Margin % ignores critical context like seasonality, price competitiveness, and absolute profit.Standard Shopping isn't dead: Even Google is now advocating for hybrid use cases, such as using Standard Shopping for query filtering or specific inventory control.+1The "Self-Fulfilling Prophecy": If you put a new product in a "zombie" campaign with low budget because it has no data, it will never get data. You need a multi-dimensional scoring strategy.About Mike RyanBased in Austria and originally from Boston, Mike Ryan is Head of Ecommerce Insights at Smarter Ecommerce (smec). With 10+ years in retail and PPC, and experience across retail operations, product management, and digital advertising, he helps online retailers turn data into strategies that improve performance in a highly competitive market.About Christian ScharmüllerChristian Scharmüller is CCO & Managing Director at Smarter Ecommerce and a long-time expert in PPC and e-commerce. With 12+ years in ad tech, he's a regular speaker at major industry events such as SMX and OMR, sharing insights on e-commerce strategy and the future of retail media.About Smarter Ecommerce (smec) Smarter Ecommerce (smec) helps e-commerce brands scale profitably with AI-driven PPC automation—optimizing for business outcomes while keeping strategic control in the hands of marketers. The platform activates first-party data (e.g., margins, CLV, core business metrics) to automate campaign optimization toward profitability and efficient growth, with transparent insights that reduce manual work and free teams for strategic oversight. As a Google Premier Partner and three-time Microsoft Retail Partner of the Year, smec manages €500M+ in ad spend and drives €5B+ in annual e-commerce revenue for 350+ global retail clients, including THG, Snipes, REWE, and Intersport. Follow smec for performance marketing insights: Website: smarter-ecommerce.com LinkedIn: linkedin.com/company/smarter-ecommerce-gmbh Newsletter: smarter-ecommerce.com/en/newsletter/ Instagram: instagram.com/smarterecommerce

Are you building a successful pet care business — but feeling more stretched than ever? In this episode, we unpack what margin really means beyond profit and why losing it often happens after growth, not before. We explore financial, time, mental, operational, and strategic margin — and how each one impacts sustainability. We discuss how small exceptions, over-customization, and decision fatigue quietly erode your capacity. Most importantly, we share practical steps to intentionally rebuild margin so your business can absorb reality without breaking. Main topics:  Financial Margin and Profit Time Buffer and Capacity Decision Fatigue and Mental Load Operational Redundancy Systems Strategic CEO Thinking Space Main takeaway: "Margin is the space that allows your business to absorb reality without breaking." Most pet care business owners don't fail because they lack passion. They struggle because their systems slowly run out of space. When demand equals capacity every single day, one small disruption can feel catastrophic. Margin gives you breathing room — financially, mentally, and operationally. If your business feels fragile right now, the solution may not be more hustle. It may be more space. Links: Check out our Starter Packs See all of our discounts! Check out ProTrainings Code: CPR-petsitterconfessional for 10% off

Happy Presidents Day—today's show blends portfolio risk management with real-life planning (and a little chili controversy). We break down margin debt and how leverage turns routine volatility into forced selling and permanent losses. Then we pivot to weddings, pre-nups, and money conversations—what couples should sort out early to protect goals and reduce future stress. Next, we tackle the "one stock forever" question: why the idea is tempting, where concentration risk shows up, and what characteristics investors are really looking for (durable cash flows, pricing power, strong balance sheets). We wrap with the reflation trade—what typically works when growth/inflation narratives heat up, and how valuation can bite when the story gets crowded. Educational only—not individualized investment advice. 0:00 - INTRO 0:22 - Margin Debt & Losing It All 12:08 - Planning Weddings 16:23 - When Should a Pre-nupt be used? 21:20 -The One Stock You'd Buy if You Could Only Buy One 24:32 - The Reflation Trade and Chili: Beans or No Beans Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisors, Danny Ratliff, CFP, & Jonathan Penn, CFP, and w Portfolio Manger, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/MU8qVbSiqxY?feature=share ------- Articles Mentioned in Today's Show: "Seasonality: Buy Signal And Investing Outcomes" https://realinvestmentadvice.com/resources/blog/seasonality-buy-signal-and-investing-outcomes/ "Technology Stocks: Dead Or An Opportunity?" https://realinvestmentadvice.com/resources/blog/technology-stocks-dead-or-an-opportunity/ ------- Watch our previous show, "Duct Tape & WD-40 Your Portfolio Together," here: https://youtube.com/live/EsweZ6GtMvI?feature=share -------- The latest installment of our new feature, Before the Bell, "Market Rotation Keeps Stocks Flat," is here: https://youtu.be/8iyhck2LBpY ------- Visit our E-book Library (no library card required!) https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarginDebt #RiskManagement #FinancialPlanning #ReflationTrade #InvestingPsychology

Joseph diGenova, former U.S. Attorney for the District of ColumbiaTopic: Appeals court won't let Trump freeze Gateway tunnel funding; Judge orders with return of Venezuela migrants deported Myron Ebell, former head of Donald Trump's 2016 EPA transition team and chairman-elect of the American Lands CouncilTopic: Trump revokes EPA finding Steve Forbes, Chairman and Editor-in-Chief at Forbes Media & the co-author of "Inflation: What It Is, Why It's Bad, and How to Fix It"Topic: "Radical ideology replaces competence at the NYC Health Department" (Fox News op ed) Mike Gallagher, radio talk show host heard weekday mornings at 10 a.m. on AM 970 The AnswerTopic: Trump EPA announcement; Narrowing Republican margin in the House Daniel Patino, Fundraiser for Food for the PoorTopic: Food for the Poor Patrick J. Brosnan, Retired and Decorated NYPD Detective and the host of "Pat Brosnan: Live From the Batcave" Saturdays at 9 a.m. on AM 970 The AnswerTopic: Nancy Guthrie Tom Fitton, President of Judicial WatchTopic: Judicial Watch suing over Evanston, Illinois reparations programSee omnystudio.com/listener for privacy information.

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Margin pressure is squeezing builders from every direction – rising costs, longer timelines and more complex projects. But profit isn't usually lost in one big moment. It's lost through small breakdowns in process, procurement and pricing discipline.   In this episode of "The Building Code", Carly Ward is joined by Sarah Biben and returning guest Tyler Farrell, founder of Killowen Construction, to break down how builders protect profits through tighter workflows, smarter procurement and clearer pricing communication.   They explore how forecasting, purchase orders, job costing and standardized processes help builders surface risks earlier, defend margins and maintain trust with clients throughout long build cycles.   What you'll learn: • Why margin squeeze often hides behind strong revenue • How disciplined process and procurement protect profitability • Where builders lose money without realizing it • How pricing clarity improves financial outcomes and client confidence   Subscribe here, and never miss an episode.   Got podcast topic suggestions? Reach out to us at podcast@buildertrend.com.   Links and more Find Killowen Construction here Learn more about IBS 2026 here Follow Buildertrend on social: Instagram | Facebook Watch The Building Code on YouTube Join The Building Code Crew fan page on Facebook to connect with fellow listeners and keep the conversation going   #TheBuildingCode #Buildertrend #KillowenHomes #BuilderProfitability #ConstructionFinance #MarginProtection #CustomHomeBuilder #Procurement #JobCosting #ConstructionLeadership #BuildingBetter #ResidentialConstruction

Taking a deep dive into a few teams from the ACC and SEC. Who are the teams of intrigue? What teams have tournament hopes? All of that and more with Helen Williams and Jamie Steyer Johnson. HerHoopStats.com: Unlocking better insight about the women's game.The Her Hoop Stats Newsletter: https://herhoopstats.substack.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Adam Coons and Ron Westfall break down Cisco (CSCO) earnings as the stock falls more than 10% post-report. Ron thinks that they're in a “solid position further out,” expecting them to take advantage of AI spending this year. Adam thinks the big story is margins, as they saw a decline in gross margins due to rising memory costs and expect this to be a continuing issue.======== 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 – / schwabnetwork Follow us on Facebook – / schwabnetwork Follow us on LinkedIn - / schwab-network About Schwab Network - https://schwabnetwork.com/about

בפרק היומי של "מפת החום – מהדורת אחד ביום", אני עושה סדר בכל מה שקרה ב־24 השעות האחרונות בעולם הכלכלה – מהשוק המקומי ועד הגלובלי.נושאים:1. עסקת wiz2. ⁠תשואות המדדים בישראל מתחילת שנה3. ⁠מהו הMargin ולמה צריך להיזהר ממנו?נתונים מאקרו־כלכליים, דיווחים חשובים, כותרות שזעזעו את השוק, דוחות כספיים של חברות, צעדים רגולטוריים, שינויים במדיניות ותחזיות מפתיעות – כל מה שצריך כדי להבין את התמונה המלאה.זהו פודקאסט קצר, חד ותמציתי – בלי רעש מיותר, רק תובנות פרקטיות וסקירה מקצועית של היום שהיה.הפרק מתעדכן מדי בוקר – ומעניק לכם יתרון אמיתי על שאר המשקיעים.לפתיחת חשבון מסחר במיטב:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://landing.meitav.co.il/he-IL/landing/trade/tradeleads?utm_source=%D7%92%D7%99%D7%90+%D7%A0%D7%AA%D7%9F&utm_medium=%D7%92%D7%99%D7%90+%D7%A0%D7%AA%D7%9F⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠לאינסטגרם שלי:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/guynatan9/לאתר שלי:https://www.guynatan.com/

If you've built significant wealth in your investment portfolio, you may have more flexibility than you think. In this episode, Emily Harper, CFP(R) joins the show to talk about how borrowing against your portfolio actually works—including margin loans and pledged asset lines of credit (PALs)—and why many high-net-worth investors use them as strategic tools for liquidity and tax planning. We cover when these strategies can make sense, where the risks lie, and what to consider before tapping your portfolio for cash. From managing short-term cash needs to avoiding unnecessary portfolio sales, this conversation is all about using your wealth intentionally and keeping your options open. Have a question you'd like us to answer on a future episode? Email us at offthewall@monumentwm.com.         Please see important podcast disclosure information at https://monumentwealthmanagement.com/disclosures   Episode Timeline/Key Highlights:   0:00 — Reason to borrow from your portfolio 1:50 — Tax-aware reasons investors choose borrowing over selling 4:20 — Real-world cash flow situations where this actually matters 6:55 — Margin basics: how it works and common use cases 10:40 — Margin risks, interest costs, and forced-sale scenarios 14:45 — Pledged asset lines explained and how they differ from margin 18:10 — Rates, spreads, pricing power, and trade-offs 24:20 — Planning payments, payoff strategy, and optionality going forward Connect with Monument Wealth Management:    Visit our website: https://monumentwealthmanagement.com/   Follow us on Instagram: https://www.instagram.com/monumentwealth/#   Connect on LinkedIn: https://www.linkedin.com/company/monument-wealth-management/   Connect on Facebook: https://www.facebook.com/MonumentWealthManagement   Connect on YouTube: https://www.youtube.com/user/MonumentWealth#Fit   Subscribe to our Private Wealth Newsletter: https://monumentwealthmanagement.com/subscribe/   Check out our Between Sips Podcast: Where Money Meets Meaning Because money without meaning never feels like wealth. https://monumentwealthmanagement.com/between-sips-podcast/   About "Off the Wall":    Markets are noisy. Your time is limited. Off The Wall cuts through the clutter. Hosts Dave Armstrong, CFA and Nate Tonsager, CIPM bring you straightforward, candid insights about what's really moving markets and why it matters for successful investors. From economic shifts to portfolio positioning, we break down the complexities so you can invest with intention and stay grounded when headlines and life feels chaotic.   Learn more about our hosts on our website at https://monumentwealthmanagement.com   

We live in a world that rewards busyness and praises full schedules. But Jesus seemed to live differently. What if the margin He modeled wasn't weakness or inefficiency, but the very pathway to an abundant life?

While many prospective homebuyers are living the American Dream Deferred, others are finding their way thanks to committed professionals who understand how to turn knowledge gaps into opportunities to educate and win customer loyalty. Jeremy Davis, President of Mortgage at Southern Bancorp, describes his successful business approach centered on consumer education and community involvement. His hands-on style serves an overarching philosophy that margin and mission are not mutually exclusive.

This week on TrendsTalk, ITR Economist and Speaker Taylor St. Germain breaks down the key economic benchmarks shaping business conditions in 2026. Industrial production, employment, capital investment, and consumer spending are all showing improvement, but growth comes with new challenges. As demand returns and competition for labor intensifies, businesses must stay disciplined on margins to win in this cycle. Are you prepared for what the second half of 2026 may bring?

Sellers fear procurement because it often brings price pressure and delays. In this episode, Brandon explains what procurement teams actually optimize for, why sellers lose leverage when they disengage, and how uncertainty turns price into the only negotiation lever.You'll learn how to pre-wire procurement early, reframe value without sounding defensive, protect margin through smart trade-offs, and keep deals moving while contracts are reviewed. If procurement keeps slowing or shrinking your deals, this episode gives you a clear, confident playbook to handle it right.

 Independent pharmacies are dispensing more prescriptions than ever—but too many are seeing their profits shrink month after month. In this episode of This Week in Pharmacy, hosts Todd Eury and CEO of MatchRx Johny Kello sit down with Saeed Dinno Director of Pharmacy for a group of independent pharmacies in MI. For a practical, plain-English breakdown of one of the most overlooked metrics impacting pharmacy profitability: GCR, let's dive into this! This episode isn't about policy debates, compliance theory, or vendor hype. It's a real-world conversation designed to help pharmacy owners, managers, and buyers understand how everyday sourcing and dispensing behaviors directly influence margin—often without anyone realizing it. Saeed explains what GCR actually measures, what it does not measure, and why two pharmacies filling the exact same prescription can end up with completely different financial outcomes. From convenience buying and emergency orders that become routine, to default NDC selection and a disconnect between the buyer and the bench, the episode highlights the subtle habits that quietly erode profitability over time. More importantly, the conversation delivers actionable steps pharmacies can implement immediately. Saeed outlines the core disciplines that improve performance—smarter buying strategy, better alignment between purchasing and dispensing, and simple operational guardrails that don't slow workflow. The focus is not on “working harder,” but on working differently. The episode closes with a clear, clip-worthy takeaway: one specific action pharmacy leaders can take this month to start moving the needle. If you've ever wondered why your pharmacy is busy but the numbers don't reflect it, this is an episode you'll want to listen to twice—and put into practice the very next day. Second segment of TWIRx is with Jonathan Adly, CEO of TJM Labs, to discuss his powerful new book, The Innovative Pharmacy: How to Build an 8-Figure Pharmacy One Idea at a Time. At a time when independent pharmacies are being squeezed by rising labor costs, shrinking reimbursements, and increasing operational complexity, Adly delivers a refreshing message: success is still possible—but it requires innovation, clarity, and execution. Jonathan shares why this book is not a “one-size-fits-all” business blueprint, but a collection of real-world frameworks inspired by hundreds of high-performing pharmacies across the U.S. and Canada. We explore the principles behind sustainable growth, including identifying your ideal customer, building scalable systems through automation, simplifying operations, and playing offense when the math works. This conversation is a call to action for pharmacy leaders ready to build smarter, faster, and stronger—one bold idea at a time. This episode of TWIRx is sponsored by MatchRx, TJM Labs, Independent Pharmacy Cooperative (IPC) and Sykes & Company. 

“Learning a language is an act of devotion. In fact, learning a language may be the most heartfelt love language of all,” writes Opinion Columnist Alexia Sextou.

Cam Smith is a pro trail runner and ski mountaineer living in Crested Butte, CO. Anna Gibson is a pro trail runner and ski mountaineer living in Jackson Hole, WY. Together they are representing Team USA at the winter olympics in the Mixed Relay SkiMo race. This is the first time skimo has been included in the Olympic Games but the sport has gained increasing popularity in recent years, especially among top trail runners who often pursue the sport competitively or recreationally in the winter months.    Chapters: 03:55 Introduction to Olympic Aspirations 06:46 The Emotional Finish at Solitude 09:53 Personal Journeys to the Olympics 12:43 Understanding the Mixed Relay Format 16:06 The Stakes of the Solitude Race 19:07 Margin of Victory and Team Dynamics 21:55 Recruitment and Team Building 24:48 Transition Skills in Ski Mountaineering 28:00 Lessons from Trail Running Competitions 35:21 Building Confidence Through Competition 36:26 Mentorship and Team Dynamics 38:24 Strategic Preparation for World Championships 39:04 The Evolution of Ski Mountaineering in North America 41:22 Lessons from Olympic Inclusion 44:07 Navigating Individual vs. Team Formats 47:55 The Journey to Team USA 50:48 Embracing Inexperience as a Strength 52:24 Final Training Push Before the Olympics 56:45 Mindset and Competition 01:00:35 Overcoming Health Challenges 01:04:04 Family Support and Emotional Moments 01:08:04 Looking Ahead to Future Goals     Sponsors:   Grab a trail running pack from Osprey Use code FREETRAIL25 for 25% off your first order of NEVERSECOND nutrition at never2.com   Freetrail Links: Website | Freetrail Pro | Patreon | Instagram | YouTube | Freetrail Experts   Dylan Links: Instagram | Twitter | LinkedIn | Strava

Margin erosion is a sneaky business killer that can unnecessarily send a company to the boneyard. Becoming a doctor of details is essential to protecting the precious pennies of profitability. If you are not willing to get into your company weeds, than brace yourself for a painful impact sooner than later? What say you? Are you putting your operational weeding gloves on to make sure you are retaining the profitability listed on your costing sheet?Support the show

Send us a textIn this episode of the L3 Leadership Podcast, Doug Smith shares Part 2 of his annual reflection series, unpacking the final ten lessons he learned in 2025 and how they are shaping his leadership moving into 2026. Drawing from real conversations, leadership challenges, faith, and personal growth, Doug challenges leaders to rethink success, create margin, embrace hard seasons, and recognize the significance of the work God is doing in and through them.⏱️ Episode Breakdown00:00 – Why Doug shares his annual lessons and how they're selected 01:45 – Lesson 11: You can have everything and still have nothing 03:30 – Lesson 12: In leadership, there are things only you can do 05:00 – Lesson 13: The necessity of people who challenge your perceptions 07:45 – Lesson 14: Follow a proven path when you don't know what to do 08:45 – Lesson 15: Why AI can be a powerful personal and leadership coach 10:30 – Lesson 16: Margin matters—create it with time and finances 11:45 – Lesson 17: You're always campaigning, whether you realize it or not 13:30 – Lesson 18: The gospel comes with a house key 15:15 – Lesson 19: Lessons learned in one season prepare you for the next 17:30 – Lesson 20: Don't minimize the work God is doing in and through you 18:45 – Final encouragement: Don't quit—your leadership matters more than you thinkResources Mentioned:The Ride of a Lifetime by Bob IgerThe Gospel Comes with a House Key by Rosaria Butterfield“Good” Leadership Mindset – Jocko Willink (Video)The L3 Leadership Podcast is sponsored by Andocia Marketing Solutions. Andocia exists to bring leaders' visions to life. Learn more at www.andocia.com

In this episode, I'm sharing honestly about the heaviness I have been feeling for months and the choices I've been making to care for my mind and creativity.We'll talk about listening to yourself, creating margin without quitting, and protecting your most precious asset, your mind. I also share updates on changes to the podcast schedule and introduce The Tillage Patreon: The Green Room, a place where you can support the show in a new way. If you've been feeling overwhelmed, stretched thin, or like you might need to do things differently, this episode is a gentle reminder that you're allowed to honor your needs and move at a pace that supports you.

Banking executives know their industry is being disrupted. What they don't know is how much of their balance sheet they've already lost control of. According to Accenture, more than $200 trillion in global bank deposits and loans are now at risk, and that threat isn't coming from another bank. It's coming from stablecoins, AI agents that can automatically optimize finances, and platforms that can quickly move cash, often outside the traditional banking system. Today's guest is Mike Abbott from Accenture. His team's new report on the top banking trends for 2026 reveals some uncomfortable truths. Seventy percent of IT spending still goes to maintaining outdated systems. Margin compression could reduce US bank pre-tax income by 22%. And many of those loyal customers who've stayed with their bank for seven years? The research calls them "lazy loyalists." The real question for banking leaders isn't whether this shift is happening, but how much of the balance sheet they'll still control when it does. Mike joins us to discuss how banks can respond to threats moving faster than their modernization efforts.

Send us a textRachel Lacey joins me to chat about her latest, Margin of Error, releasing today, the current situation in Minnesota and how she talks to her son about what's going on, her sister and fellow author, Ari Lacey, Vermont and more! Get Margin of Error here: Margin of Error - Kindle edition by Lacey, Rachel. Romance Kindle eBooks @ Amazon.com.To support this podcast, you can buy me a coffee@  sapphiclaura is Bringing you fun chats with the best authors in sapphic fiction.Support the show

NPR's Tamara Keith and Amy Walter of the Cook Political Report with Amy Walter join Amna Nawaz to discuss the latest political news, including a special election in Texas eroding Republicans' margin in the U.S. House of Representatives as the federal government partially shuts down again. PBS News is supported by - https://www.pbs.org/newshour/about/funders. Hosted on Acast. See acast.com/privacy

NPR's Tamara Keith and Amy Walter of the Cook Political Report with Amy Walter join Amna Nawaz to discuss the latest political news, including a special election in Texas eroding Republicans' margin in the U.S. House of Representatives as the federal government partially shuts down again. PBS News is supported by - https://www.pbs.org/newshour/about/funders. Hosted on Acast. See acast.com/privacy

Right now, some pet businesses are booming. Some are holding steady. And many are feeling like sales have slowed down and they need to make a change. But here's the truth: When revenue feels uncertain, that's exactly when how you manage your money matters MORE than how much money is coming in. In this episode, Candace shares real money decisions she's making at Dante and Dory's - and why being more aggressive with money doesn't mean being reckless!  She shares: