Podcasts about MFI

Chris Rose and Trevor Plouffe discuss the hottest stories in baseball Monday through Friday! Get $10 Off @BRUNT with code  at https://bruntworkwear.com/TODAY! #bruntpod Go all in on moomoo by clicking https://start.moomoo.com/Today to earn up to 60 free stocks when making a qualified deposit! Terms and Conditions apply. Securities are offered through Moomoo Financial Inc. (MFI), Member FINRA/SIPC. The creator is a paid influencer and is not affiliated with MFI and their experiences may not be representative of other moomoo users. Investing is risky. WATCH DUGOUT DISCUSSIONS: https://www.youtube.com/watch?v=I9o88yr0ROk 00:00 INTRO02:49 Is the Tigers lineup good enough to win the World Series?09:57 Are the METS a more complete team than the Dodgers right now?21:59 Could Boston be sellers and trade Jaren Durran?32:35 Jac Caglianone set to make MLB debut Tuesday night39:08 Programming announcement!40:01 Yankees lose Luke Weaver for 4-6 weeks44:42 OUTRO JM Merch Store: https://shop.jomboymedia.com/ Follow us on X/Instagram: @ChrisRoseSports Chris Rose on X/Instagram: @ChrisRose Trevor Plouffe on X/Instagram @TrevorPlouffe Follow all of our content on https://jomboymedia.com 

Chris Rose and Trevor Plouffe discuss the hottest stories in baseball Monday through Friday! Go all in on moomoo by clicking https://start.moomoo.com/Today to earn up to 60 free stocks when making a qualified deposit! Terms and Conditions apply. Securities are offered through Moomoo Financial Inc. (MFI), Member FINRA/SIPC. The creator is a paid influencer and is not affiliated with MFI and their experiences may not be representative of other moomoo users. Investing is risky. Upgrade your wardrobe and save on @trueclassic at https://trueclassic.com/TODAY! #trueclassicpod #sponsored WATCH DUGOUT DISCUSSIONS: https://www.youtube.com/watch?v=I9o88yr0ROk 00:00 INTRO03:01 Judge/Ohtani go deep in first at-bats of Yankees-Dodgers and overall thoughts11:45 Are the Brewers a legit contender or not?18:28 This doesn't look good for Corbin Burnes and the D-Backs23:42 This ejection might have been warranted33:25 Highs and lows from the weekend43:44 OUTRO JM Merch Store: https://shop.jomboymedia.com/ Follow us on X/Instagram: @ChrisRoseSports Chris Rose on X/Instagram: @ChrisRose Trevor Plouffe on X/Instagram @TrevorPlouffe Follow all of our content on https://jomboymedia.com 

Chris Rose and Trevor Plouffe discuss the hottest stories in baseball Monday through Friday! Bosch Power Tools helps you to conquer any task on the jobsite, ‘Like a Bosch.' Learn more at https://www.boschtools.com. Go all in on moomoo by clicking https://start.moomoo.com/Today to earn up to 60 free stocks when making a qualified deposit! Terms and Conditions apply. Securities are offered through Moomoo Financial Inc. (MFI), Member FINRA/SIPC. The creator is a paid influencer and is not affiliated with MFI and their experiences may not be representative of other moomoo users. Investing is risky. 00:00 INTRO04:05 a World Series rematch begins15:38 Another bad look by the Braves management?24:38 Players of the week28:00 Mike Trout returns33:06 Other series to watch this weekend39:01 OUTRO JM Merch Store: https://shop.jomboymedia.com/ Follow us on X/Instagram: @ChrisRoseSports Chris Rose on X/Instagram: @ChrisRose Trevor Plouffe on X/Instagram @TrevorPlouffe Follow all of our content on https://jomboymedia.com 

How long did you take looking round your home before you put an offer in for it? The average prospective buyer spends just 43 minutes.  Surprise, surprise, research suggests that it pays to take your time. This is week, Georgie Frost, Simon Lambert and Lee Boyce talk about what should be on your checklist before you take the plunge and buy a property. Should you go by vibes alone, or do you really need to kick the tyres?  And when you do buy, what happens if the seller leaves junk like a mouldy fridge, grimy washing machine and a stained sofa? We reveal all. Buy-to-let has taken a battering in recent years – but there are still pockets of Britain where investors are finding a decent yield.  Cash Isas are back in the spotlight with a review likely to come in July – how likely is it that they will be tinkered with?  And with news defunct furniture brand MFI will return after 20 years, what stores would you like to see make a comeback? 

Guys, it's bad out there. Like, really bad. It's legitimately dangerous to fly in certain parts of the country depending on who you ask. And that's if you ask people who work in the FAA or air traffic control. So, you know, no biggie. PLUS, we've got the latest updates on China and what it means for the markets. Give this video a thumbs up if you enjoyed it! And please leave us a comment! It helps us! DENVER we are coming for you. Get tix here: https://comedyworks.com/comedians/ben-emil-live Reminiscing about our favorite moments over the last 100 episodes in this week's bonus! Sign up to watch and support the show at https://benandemilshow.com

What a week. We're talking about Shiloh Hendrix, the woman who made $600,000 by being racist to a child. We're also talking about the great Warren Buffett, who announced his retirement recently. PLUS, we're covering weird, weird weird Mark Zuckerberg and the latest weird shit he's saying. Give this video a thumbs up if you enjoyed it! And please leave us a comment! It helps us! AUSTIN we are in you MAY 9th! Get tix here: https://www.showclix.com/event/ben-emil-livehxfv1hb DENVER we are coming for you. Get tix here: https://comedyworks.com/comedians/ben-emil-live Talking Cody Ko's Oats, Italian brainrot, and more in this week's bonus! Sign up to watch the Bonus and support the show at https://benandemilshow.com

In this episode, we feature Mina Shahid, CEO and co-founder of Numida, a leading digital microfinance institution (MFI) in East Africa. Mina shares his personal journey, from his early experiences that shaped his passion for financial inclusion to the founding of Numida. Born out of a mission to empower micro- and small businesses (MSBs), Numida leverages proprietary technology and innovative credit processes to deliver convenient, unsecured working capital to entrepreneurs often left out of traditional financial systems. Tune in to hear how Mina's vision and leadership are driving real impact across the region—improving livelihoods while building a thriving, scalable business.

Check out Good Work here: https://www.youtube.com/watch?v=eNptnCkCoVk Talking New York City, The Mets, and more in the Bonus B&E this week! Sign up to watch the Bonus and support the show at https://benandemilshow.com

Send us a textJoin Dr. Emmie Brown, ND, and Adair Anderson, MS, RDN, LDN, in this month's audio edition of the Vibrant Voice as they discuss hidden hormone disruptors and strategies for supporting patient health.

Cappy is here to tell us about his recent adventures and our favorite missile boi Habitual Linecrosser is back! Last chance to take part in this month's Autism charity fundraiser: LIMITED EDITION AUTISM CHARITY SHIRTS: https://www.bunkerbranding.com/collections/unsubscribe-podcast-shirts LIMITED EDITION TISM SHOES: https://www.bunkerbranding.com/collections/unsub-shoes Watch this episode ad-free and uncensored on Pepperbox! https://www.pepperbox.tv/ WATCH THE AFTERSHOW & BTS ON PATREON! https://www.patreon.com/UnsubscribePodcast ------------------------------ THANK YOU TO OUR SPONSORS! TUSHY Over 2 Million Butts Love TUSHY. Get 10% off TUSHY with the code UNSUBSCRIBE at https://hellotushy.com/UNSUBSCRIBE TRUE CLASSIC Upgrade your wardrobe and save on @trueclassic at https://trueclassic.com/UNSUB! #trueclassicpod MANSCAPED Get 20% OFF + Free Shipping @MANSCAPED with promo code “UNSUB” at https://manscaped.com #ManscapedPartner #TCSociety MOOMOO Click this link to https://start.moomoo.com/UNSUBSCRIBE to get up to 60 free stocks when you make a qualified deposit Terms and Conditions apply. Securities are offered through Moomoo Financial Inc. (MFI), Member FINRA/SIPC. The creator is a paid influencer and is not affiliated with MFI and their experiences may not be representative of other moomoo users. Investing is risky. Promo 8.1% APY (as of 04/24/25) is for new users only. Actual APY may differ. Rates may change. New user promo subject to terms & conditions. Click the ad for Bank Deposit List, Cash Sweep and Promo details. Moomoo Financial Inc., Member FINRA/SIPC ------------------------------ UNSUB MERCH: https://www.bunkerbranding.com/pages/unsubscribe-podcast ------------------------------ FOLLOW THE HOSTS: Eli_Doubletap https://www.instagram.com/eli_doubletap/ https://www.twitch.tv/Eli_Doubletap https://x.com/Eli_Doubletap https://www.youtube.com/c/EliDoubletap Brandon Herrera https://www.youtube.com/@BrandonHerrera https://x.com/TheAKGuy https://www.instagram.com/realbrandonherrera Donut Operator https://www.youtube.com/@DonutOperator https://x.com/DonutOperator https://www.instagram.com/donutoperator The Fat Electrician https://www.youtube.com/@the_fat_electrician https://thefatelectrician.com/ https://www.instagram.com/the_fat_electrician https://www.tiktok.com/@the_fat_electrician ------------------------------ unsubscribe pod podcast episode ep unsub funny comedy military army comedian texas podcasts #podcast #comedy #funnypodcast Chapters 00:00:00 - Podcast Intro ️ 00:14:49 - Japan ️ 00:22:55 - Dinosaur Movies 00:30:20 - Hippos 00:38:46 - Navy Seals 00:47:20 - Furniture Museum 00:54:51 - German SWAT Armor️ 01:18:35 - Burrito Invention 01:33:55 - Stop Resisting! 01:41:57 - Bradleys 01:49:35 - Russian Civilians 01:57:14 - Knife Fight Impact 02:05:34 - National Guard Unit ️ 02:14:01 - War Logistics Side Learn more about your ad choices. Visit podcastchoices.com/adchoices

Well folks, the Pope is dead. Anyway now that that's out of the way, we're gettin deep into the HUGE antitrust cases against Google, Meta, and to a lesser extent Amazon and Apple. These cases are massive, and their rulings could change the internet as we know it. It's fascinating stuff! Give this video a thumbs up if you enjoyed it! And please leave us a comment! It helps us! AUSTIN we added a second night! Get tix here: https://www.showclix.com/event/ben-emil-livehxfv1hb DENVER we are coming for you. Get tix here: https://comedyworks.com/comedians/ben-emil-live Talking all about Kanye, those Aussie twins, Simply Thick John, and more. Sign up and support the show at https://benandemilshow.com

Well well well, if it isn't CHINA. Trying to make a deal with little old US. We always knew they'd come begging for us to buy their various wares and gadgets. And now here they are...TAUNTING us with their dirt cheap shoes, electronics, designer bags, and athleisureware. That's right: they've pulled back the curtain and showed us the Matrix and are offering us poor, brainwashed Americans the chance to cut out the middleman once and for all. But is it legit? Let's find out. Give this video a thumbs up if you enjoyed it! And please leave us a comment! It helps us! AUSTIN we are coming for you. Get tix here: https://www.creekandcave.com/events/ben-emil-live This week's bonus episode is one for the record books. Sign up and support the show at https://benandemilshow.com

Nick Freitas is here to talk raising kids, quitting politics and the best eras of history! GET YOUR AUTISM SHIRTS & support an amazing cause! https://www.bunkerbranding.com/collections/unsubscribe-podcast-shirts Watch this episode ad-free and uncensored on Pepperbox! https://www.pepperbox.tv/ WATCH THE AFTERSHOW & BTS ON PATREON! https://www.patreon.com/UnsubscribePodcast ------------------------------ THANK YOU TO OUR SPONSORS! STOPBOX Get firearm security redesigned and save with BOGO the StopBox Pro AND 10% off StopBoxUSA with code UNSUB at https://www.stopboxusa.com/UNSUB #stopboxpod MANDO Control Body Odor ANYWHERE and get $5 off off your Starter Pack (that's over 40% off) with promo code UNSUB at https://shopmando.com #mandopod MOOMOO Click this link https://start.moomoo.com/UNSUBSCRIBE to get up to 60 free stocks when you make a qualified deposit + earn 8.1% on uninvested cash for a limited time for new users!! Terms and Conditions apply. Securities are offered through Moomoo Financial Inc. (MFI), Member FINRA/SIPC. The creator is a paid influencer and is not affiliated with MFI and their experiences may not be representative of other moomoo users. Investing is risky. Promo 8.1% APY (as of 12/18/24) is for new users only. The Base Rate is 4.1% APY plus a 4% temporary boost once activated. The actual APY may differ. Rates may change. Enrollment in the Cash Sweep Program is required. See program details at www.moomoo.com/us/support/topic 4 222. APY Booster Rate is effective for 3 months on up to $20,000 once activated. See www.moomoo.com/support/topic4 410 for details. Moomoo is not a bank. ------------------------------ UNSUB MERCH: https://www.bunkerbranding.com/pages/unsubscribe-podcast ------------------------------ FOLLOW THE HOSTS: Eli_Doubletap https://www.instagram.com/eli_doubletap/ https://www.twitch.tv/Eli_Doubletap https://x.com/Eli_Doubletap https://www.youtube.com/c/EliDoubletap Brandon Herrera https://www.youtube.com/@BrandonHerrera https://x.com/TheAKGuy https://www.instagram.com/realbrandonherrera Donut Operator https://www.youtube.com/@DonutOperator https://x.com/DonutOperator https://www.instagram.com/donutoperator The Fat Electrician https://www.youtube.com/@the_fat_electrician https://thefatelectrician.com/ https://www.instagram.com/the_fat_electrician https://www.tiktok.com/@the_fat_electrician ------------------------------ unsubscribe pod podcast episode ep unsub funny comedy military army comedian texas podcasts #podcast #comedy #funnypodcast Chapters 00:00:00 - California 00:07:06 - Military Background 00:16:32 - Social Media Power 00:25:50 - Homeschooling 00:34:00 - History Interests 00:42:04 - Energy Drink Tasting 00:52:41 - Shooting Gummy Bears 01:00:10 - Wind Energy Issues 01:08:03 - Casualty Projections 01:15:54 - Spartan Training Legacy 01:26:10 - Delegate Experience 01:34:14 - Fundraising Struggles 01:43:35 - Homeschooling Insights 01:52:32 - Dyslexia Challenges 01:59:53 - Ryden 02:08:26 - Star Wars 02:18:02 - Cultural Reflections Learn more about your ad choices. Visit podcastchoices.com/adchoices

It sucks living in interesting times! We're talking all about what's going on with these damn tariffs, the impact we're already seeing, what it means for YOU, what the billionaire rulers think, and what stocks you might want to consider. Oh and hey! Give this video a thumbs up if you enjoyed it! And please leave us a comment! AUSTIN we are coming for you. Get tix here: https://www.creekandcave.com/events/ben-emil-live This week's bonus episode is a DOOZY. Sign up and support the show at https://benandemilshow.com

Back by popular demand!  @KylaScanlon  joins us this week to talk about Trump's big tariff gamble, the looming recession, social media breaking our brains, and so much more. Oh and hey! Give this video a thumbs up if you enjoyed it! And please leave us a comment! AUSTIN we are coming for you. Get tix here: https://www.creekandcave.com/events/ben-emil-live Check out Kyla here: https://kyla.substack.com/ and on socials Buy Kyla's book here: https://www.amazon.com/This-Economy-Money-Markets-Really/dp/0593727878 This week's bonus episode is a GEM. Sign up for your FIRST MONTH FREE and support the show at https://benandemilshow.com

Every day we learn about new and unsettling things AI can do. In this episode we'll talk about a journalist who was involuntarily psychologically profiled by a stranger using ChatGPT, the sketchy new tools ICE is using to detain people, and just what exactly Palantir actually DOES. This week's bonus episode is as good as they come. Sign up for your FIRST MONTH FREE and support the show at https://benandemilshow.com

Popular YouTuber Mark Rober drove his Tesla through a cartoon wall and the Tesla permabulls and Elon fanboys cannot stop obsessing over it. We'll take a look at the recent spate of negative news hitting the automaker, it's historic stock decline, and what could happen next. This week's bonus episode is as good as they come. Sign up for your FIRST MONTH FREE and support the show at https://benandemilshow.com

Tariff fears. Consumer sentiment in the toilet. Seasonality. Caution from billionaires. Everything right now is pointing toward a bumpy road ahead. Buckle up folks, we'll break it all down for you in this week's episode. PLUS, we have Warren Buffet's words of wisdom in his annual shareholder letter. __ PORTLAND! We are coming April 13th! Come see us! Only a couple tickets left. https://www.etix.com/ticket/p/96128474/ben-and-emil-live-portland-hawthorne-theatre We got a really good bonus episode this week. Sign up and support the show at https://benandemilshow.com ***LINK TO OUR DISCORD: https://discord.gg/CjujBt8g ***Subscribe to Emil's Substack: https://substack.com/@emilderosa ***Leave a comment! Like this video! Tell a friend about our show! Latest MEATBALL SPECIAL HERE: https://youtu.be/uIOdsIn1Tdo Last week's episode HERE: https://youtu.be/kEg3yRkw6JU We bought suits HERE: https://youtu.be/_cM1XqA9n2U __ MADAM RAM: Check out Toni Collette in the crazy true story about Georgia Frontiere, the entertainer who inherited the LA Rams and turned the NFL on its head. https://podcasts.apple.com/us/podcast/madam-ram/id1788379009 ROCKET MONEY: Cancel your unwanted subscriptions and reach your financial goals faster with Rocket Money! Go to https://rocketmoney.com/baes today! MOOMOO: Click this link https://j.moomoo.com/BAES to get up to 30 free stocks from moomoo U.S when you make a qualified deposit + earn 8.1% on uninvested cash for a limited time for new users!! Terms & Conditions Apply Options trading is risky and not for all. Read the Options Disclosure Document (https://j.moomoo.com/01Zy9J) before trading. Options are complex and you may quickly lose the entire investment. Supporting docs for any claims will be furnished upon request. Securities are offered through Moomoo Financial Inc., Member FINRA/SIPC. The creator is a paid influencer and is not affiliated with MFI and their experiences may not be representative of other moomoo users. Investing is risky. Visit https://moomoo.com/us/support/topic4_222 for information on the Cash Sweep Program. __ This episode was edited by Connor Rousseau / @ conrad_roussrad Follow us on instagram! @ benandemilshow @ bencahn @ emilderosa Learn more about your ad choices. Visit podcastchoices.com/adchoices

President Javier Milei tweeted on Valentine's Day about $LIBRA, a token he said would help raise funds that would go directly to small businesses and help Argentina's economic growth. It reached $4.56 billion market cap before absolutely collapsing, making insiders over $100 million in profits. So what happened? Who was involved? Who's going to prison? And WHERE DID ALL THAT MONEY GO? It's a veritable who's who of the recent crypto mania, including big names like Dave Portnoy, Adin Ross, the "LA Vape Cabal" and other clowns. It is the most incredible story we've heard in years. __ PORTLAND! We are coming April 13th! Come see us! https://www.etix.com/ticket/p/96128474/ben-and-emil-live-portland-hawthorne-theatre Ben fully crashes out in this week's bonus. Sign up and support the show at https://benandemilshow.com ***LINK TO OUR DISCORD: https://discord.gg/CjujBt8g ***Subscribe to Emil's Substack: https://substack.com/@emilderosa ***Leave a comment! Like this video! Tell a friend about our show! Latest MEATBALL SPECIAL HERE: https://youtu.be/uIOdsIn1Tdo Last week's episode HERE: https://youtu.be/ApxrNF67jbs We bought suits HERE: https://youtu.be/_cM1XqA9n2U __ MOOMOO: Click this link https://j.moomoo.com/BAES to get up to 30 free stocks from moomoo U.S when you make a qualified deposit + earn 8.1% on uninvested cash for a limited time for new users!! Terms & Conditions Apply Options trading is risky and not for all. Read the Options Disclosure Document (https://j.moomoo.com/01Zy9J) before trading. Options are complex and you may quickly lose the entire investment. Supporting docs for any claims will be furnished upon request. Securities are offered through Moomoo Financial Inc., Member FINRA/SIPC. The creator is a paid influencer and is not affiliated with MFI and their experiences may not be representative of other moomoo users. Investing is risky. Visit https://moomoo.com/us/support/topic4_222 for information on the Cash Sweep Program. MUD/WTR: Start your new morning ritual and get up to 43% off your @MUDWTR with code BAES at https://mudwtr.com/baes #mudwtrpod SHOPIFY: Upgrade your business and get the same checkout we use! Sign up for your one dollar per month trial period at https://shopify.com/baes to upgrade your selling today. __ This episode was edited by Connor Rousseau / @ conrad_roussrad Follow us on instagram! @ benandemilshow @ bencahn @ emilderosa Learn more about your ad choices. Visit megaphone.fm/adchoices

So Google just debuted a special quantum chip and everyone's FREAKING out. There's lots of implications at play here, not just for computing, but for reality as we know it. Pretty cool. Pretty scary. This week's bonus is a real doozy. https://benandemilshow.com BOSTON! we are coming to you! https://thewilbur.com/armory/artist/ben-and-emil/ code: benandemilboston LINK TO OUR DISCORD: https://discord.gg/CjujBt8g CHECK OUT OUR BONUS EPISODES: https://benandemilshow.com Subscribe to Emil's Substack: https://substack.com/@emilderosa Leave a comment to be featured as the comment of the week next week! And also, like this video, please! Thank you! __ AURA FRAMES: For a limited time, visit https://auraframes.com and get $35 off Aura's best-selling Carver Mat frames by using promo code BAES at checkout! It's their best Black Friday Cyber Monday deal of the year so don't miss it! SHOPIFY: Upgrade your business and get the same checkout we use! Sign up for your one dollar per month trial period at https://shopify.com/baes to upgrade your selling today. MOOMOO: Important: The creator is a paid influencer and not affiliated with Moomoo Financial Inc. ("MFI") or its affiliates. Content outside of the moomoo ad has not been reviewed by MFI and reflects the influencer's own views. MFI does not endorse any strategies mentioned and is not responsible for the influencer's services. Click this link https://j.moomoo.com/BAES to get up to 15 free stocks from moomoo U.S when you make a qualified deposit + earn 8.1% on uninvested cash for a limited time for new users!! Terms & Conditions Apply __ Latest MEATBALL SPECIAL HERE: https://youtu.be/Euyfzwmq8WY Last week's episode HERE: https://youtu.be/rXA-Tg-VS-M We bought suits HERE: https://youtu.be/_cM1XqA9n2U This episode was shot and edited by Connor Rousseau / @ conrad_roussrad Follow us on instagram! @ benandemilshow @ bencahn @ emilderosa Learn more about your ad choices. Visit megaphone.fm/adchoices

Casey Jogerst is the Permitting and Regulation Manager for the Urban Forestry Division in the Parks and Recreation Bureau at the City of Portland, OR. Casey holds a B.S. in Science from the University of Iowa and a M.S. in Forestry from Michigan Technological University. Casey completed her master's degree concurrently with service in the Peace Corps and continued her path in forestry at the City of New York City where she worked as a forester on the Million Trees Campaign. In 2012, Casey relocated from New York to the Midwest to further her work in the field of urban forestry as an Urban Forestry Manager for the City of Milwaukee, WI. Building on the experience gained in NY and WI, Casey accepted her current position as the Permitting and Regulation Manager in Portland, OR where she's been for the past 11 years. She currently leads five urban forest regulatory teams managing all aspects of tree regulations in the City of Portland with the goal of protecting and enhancing the City's urban forest. Casey is an International Society of Arboriculture (ISA) Certified Arborist, ISA Municipal Specialist, ISA Qualified Tree Risk Assessor, attended the 2014 Urban & Community Forestry Society (UCFS) Municipal Forestry Institute (MFI) and currently serves as an educational facilitator for MFI and as an advisory member of the National Urban and Community Forestry Advisory Council (NUCFAC).________________________________________________________________________UCFS Arborist Exchange Program________________________________________________________________________Patreon: http://patreon.com/TheMunicipalArboristInstagram: https://www.instagram.com/the_municipal_arborist/Questions or comments?themunicipalarborist@gmail.comThank you to our sponsors:Davey Resource GroupArbsessionWinkler Tree & Lawn Care________________________________________________________________________

So this week we learned that Enron is back...sort of. That prompted us to finally do an episode on the rise and fall of the once massive company that became the poster child for corporate greed and corruption. Is Enron actually back or is this some kind of elaborate hoax for...something? We'll dive in sweeties. This week's bonus episode is a fuckin' gem, by the way. Sign up LINK TO OUR DISCORD: https://discord.gg/CjujBt8g CHECK OUT OUR BONUS EPISODES: https://benandemilshow.com Subscribe to Emil's Substack: https://substack.com/@emilderosa Leave a comment to be featured as the comment of the week next week! And also, like this video, please! Thank you! __ MIRACLE: Upgrade your sleep with Miracle Made! Go to https://trymiracle.com/BAES and use the code BAES to claim your FREE 3 PIECE TOWEL SET and SAVE over 40% OFF. Again, that's TryMiracle dot COM slash BAES to treat yourself. Thank you Miracle Made for sponsoring this episode! AURA FRAMES: For a limited time, visit https://auraframes.com and get $45 off Aura's best-selling Carver Mat frames by using promo code BAES at checkout! It's their best Black Friday Cyber Monday deal of the year so don't miss it! MOOMOO: Important: The creator is a paid influencer and not affiliated with Moomoo Financial Inc. ("MFI") or its affiliates. Content outside of the moomoo ad has not been reviewed by MFI and reflects the influencer's own views. MFI does not endorse any strategies mentioned and is not responsible for the influencer's services. Click this link https://j.moomoo.com/BAES to get up to 15 free stocks from moomoo U.S when you make a qualified deposit + earn 8.1% on uninvested cash for a limited time for new users!! Terms & Conditions Apply SHOPIFY: Upgrade your business and get the same checkout we use! Sign up for your one dollar per month trial period at https://shopify.com/baes to upgrade your selling today. __ Latest MEATBALL SPECIAL HERE: https://youtu.be/Euyfzwmq8WY Last week's episode HERE: https://youtu.be/tBvALmluvl8 We bought suits HERE: https://youtu.be/_cM1XqA9n2U This episode was shot and edited by Connor Rousseau / @ conrad_roussrad Follow us on instagram! @ benandemilshow @ bencahn @ emilderosa Learn more about your ad choices. Visit megaphone.fm/adchoices

The crypto world is getting just a bit out of control. Pump.Fun started out as an obscure memecoin site and has recently snowballed into a completely unchecked casino where anyone can launch a coin for just a few bucks. They recently launched (and have since shut down) a livestream feature which...didn't go very well to say the least. We've got some of the best and worst moments and everything you need to know this week. PLUS, another Forbes 30 under 30 nominee ends up being a complete scammer. We love to see it. LINK TO OUR DISCORD: https://discord.gg/CjujBt8g CHECK OUT OUR BONUS EPISODES: https://benandemilshow.com Subscribe to Emil's Substack: https://substack.com/@emilderosa Leave a comment to be featured as the comment of the week next week! And also, like this video, please! Thank you! __ AURA FRAMES: For a limited time, visit https://auraframes.com and get $45 off Aura's best-selling Carver Mat frames by using promo code BAES at checkout! It's their best Black Friday Cyber Monday deal of the year so don't miss it! MASTERCLASS: Give your loved ones the most unique gift they'll ever receive this holiday season with MasterClass. Head over to https://masterclass.com/baes for up to 50% off. MANDO: New customers get $5 off a starter pack with our exclusive code, which equates to over 40% off! Go to https://shopmando.com and use code BAES MOOMOO: Important: The creator is a paid influencer and not affiliated with Moomoo Financial Inc. ("MFI") or its affiliates. Content outside of the moomoo ad has not been reviewed by MFI and reflects the influencer's own views. MFI does not endorse any strategies mentioned and is not responsible for the influencer's services. Click this link https://j.moomoo.com/BAES to get up to 15 free stocks from moomoo U.S when you make a qualified deposit + earn 8.1% on uninvested cash for a limited time for new users!! Terms & Conditions Apply __ Latest MEATBALL SPECIAL HERE: https://youtu.be/Euyfzwmq8WY Last week's episode HERE: https://youtu.be/EANW1f_BSqA We bought suits HERE: https://youtu.be/_cM1XqA9n2U This episode was shot and edited by Connor Rousseau / @ conrad_roussrad Follow us on instagram! @ benandemilshow @ bencahn @ emilderosa Learn more about your ad choices. Visit megaphone.fm/adchoices

RFK Jr makes a lot of crazy declarations. This week we dive into as many as we can to sort fact from fiction. There's certainly things he says we agree with...and some things that are just nutty. Ben also tries his RFK impression again. Is it good? Is it bad? PLUS! We're talking about the Onion buying out Infowars, and Mark Zuckerberg making all us guys look really bad because he loves his wife so hard. It's a fun episode. LINK TO OUR DISCORD: https://discord.gg/CjujBt8g CHECK OUT OUR BONUS EPISODES: https://benandemilshow.com Subscribe to Emil's Substack: https://substack.com/@emilderosa Leave a comment to be featured as the comment of the week next week! And also, like this video, please! Thank you! __ MOOMOO: Important: The creator is a paid influencer and not affiliated with Moomoo Financial Inc. ("MFI") or its affiliates. Content outside of the moomoo ad has not been reviewed by MFI and reflects the influencer's own views. MFI does not endorse any strategies mentioned and is not responsible for the influencer's services. Click this link https://j.moomoo.com/BAES to get up to 15 free stocks from moomoo U.S when you make a qualified deposit + earn 8.1% on uninvested cash for a limited time for new users!! Terms & Conditions Apply ROCKETMONEY: Stop wasting money on things you don't use! Cancel your unwanted subscriptions by going to https://rocketmoney.com/baes CHUBBIES: Look good like us! Get 20% off with promo code BAES20 at checkout at https://chubbiesshorts.com __ Latest MEATBALL SPECIAL HERE: https://youtu.be/Euyfzwmq8WY Last week's episode HERE: https://youtu.be/EANW1f_BSqA We bought suits HERE: https://youtu.be/_cM1XqA9n2U This episode was shot and edited by Connor Rousseau / @ conrad_roussrad Follow us on instagram! @ benandemilshow @ bencahn @ emilderosa Learn more about your ad choices. Visit megaphone.fm/adchoices

The election may be over, but Trump is just getting started. So what's that mean for all of us and our precious, precious economy? We'll go over some of the things that may affect you and (hopefully) put your mind at ease. LINK TO OUR DISCORD: https://discord.gg/CjujBt8g CHECK OUT OUR BONUS EPISODES: https://benandemilshow.com Subscribe to Emil's Substack: https://substack.com/@emilderosa Leave a comment to be featured as the comment of the week next week! And also, like this video, please! Thank you! __ MANDO: Try the Mando starter pack and get free shipping! New customers get $5 off with our exclusive code. Use code BAES at https://shopmando.com SHOPIFY: Upgrade your business and get the same checkout we use at Shopify! Sign up for a $1 per month trial period at https://shopify.com/baes MOOMOO: Important: The creator is a paid influencer and not affiliated with Moomoo Financial Inc. ("MFI") or its affiliates. Content outside of the moomoo ad has not been reviewed by MFI and reflects the influencer's own views. MFI does not endorse any strategies mentioned and is not responsible for the influencer's services. Click this link https://j.moomoo.com/BAES to get up to 15 free stocks from moomoo U.S when you make a qualified deposit + earn 8.1% on uninvested cash for a limited time for new users!! Terms & Conditions Apply __ Latest MEATBALL SPECIAL HERE: https://youtu.be/Euyfzwmq8WY Last week's episode HERE: https://youtu.be/Gtc8pbuxiLQ Watch the latest Ben & Emil On HERE: https://youtu.be/ZgLZQZ8oeQI This episode was shot and edited by Connor Rousseau / @ conrad_roussrad Follow us on instagram! @ benandemilshow @ bencahn @ emilderosa Learn more about your ad choices. Visit megaphone.fm/adchoices

誠心祈禱下背痛患者都能解脫 相簿滿了不爽繳雲端月費？小孩的照片塞滿相簿捨不得刪？主委推薦你試試看

Lina Kahn is doing the best work in all of US government. She takes action that makes people's lives better, easier, smoother. And yet, she's persona non grata on the left and the right. No shocker there. Our second big story is all about the MAJOR fraud allegations against SUPERMICRO, once the darling of wall street, it's gained and lost over 60 billion in value in just two years. So what the hell happened?? Leave a comment to be featured as the comment of the week next week! And also, like this video, please! Thank you! Head to https://benandemilshow.com for this week's bonus episode and to support the show! :) __ ROCKETMONEY: Stop wasting money on things you don't use! Cancel your unwanted subscriptions by going to https://rocketmoney.com/baes MOOMOO: Important: The creator is a paid influencer and not affiliated with Moomoo Financial Inc. ("MFI") or its affiliates. Content outside of the moomoo ad has not been reviewed by MFI and reflects the influencer's own views. MFI does not endorse any strategies mentioned and is not responsible for the influencer's services. Click this link https://j.moomoo.com/CREATORNAME to get up to 15 free stocks from moomoo U.S when you make a qualified deposit + earn 8.1% on uninvested cash for a limited time for new users!! Terms & Conditions Apply __ Latest MEATBALL SPECIAL HERE: https://youtu.be/Euyfzwmq8WY Last week's episode HERE: https://youtu.be/Gtc8pbuxiLQ Watch the latest Ben & Emil On HERE: https://youtu.be/ZgLZQZ8oeQI This episode was shot and edited by Connor Rousseau / @ conrad_roussrad Follow us on instagram! @ benandemilshow @ bencahn @ emilderosa Learn more about your ad choices. Visit megaphone.fm/adchoices

The election is almost here. It's almost over. Thank god. This week we're going over our predictions for who will win, when we'll know, what the markets are predicting, and how markets might react to either candidate winning. PLUS, drama at The Washington Post and so much more. What an episode! Leave a comment to be featured as the comment of the week next week! And also, like this video, please! Thank you! Head to https://benandemilshow.com for this week's bonus episode and to support the show! :) __ MOOMOO: Important: The creator is a paid influencer and not affiliated with Moomoo Financial Inc. ("MFI") or its affiliates. Content outside of the moomoo ad has not been reviewed by MFI and reflects the influencer's own views. MFI does not endorse any strategies mentioned and is not responsible for the influencer's services. Click this link https://j.moomoo.com/BAES to get up to 15 free stocks from moomoo U.S when you make a qualified deposit + earn 4.6% on uninvested cash + an additional 3.5% APY Coupon for 3 months for new users!! Terms & Conditions Apply __ Latest MEATBALL SPECIAL HERE: https://youtu.be/Euyfzwmq8WY Last week's episode HERE: https://youtu.be/Gtc8pbuxiLQ Watch the latest Ben & Emil On HERE: https://youtu.be/ZgLZQZ8oeQI This episode was shot and edited by Connor Rousseau / @ conrad_roussrad Follow us on instagram! @ benandemilshow @ bencahn @ emilderosa and @ conrad_roussrad Learn more about your ad choices. Visit megaphone.fm/adchoices

The most fascinating story to come out of the internet and artificial intelligence is unfolding faster than we can keep up with it. A semi-autonomous AI agent became obsessed with an old shock meme and created its own religion, which then collided head-on with the crypto world in ways nobody expected. And it spawned a whole new chaotic category of tokenization: AI memecoins. It sounds stupid (and it is), but the implications and rabbit holes that have opened up go far further than you might think at first blush. Plus these AI agents are BITCHY! Leave a comment to be featured as the comment of the week next week! And also, like this video, please! Thank you! Head to https://benandemilshow.com for this week's bonus episode and to support the show! :) __ MOOMOO: Important: The creator is a paid influencer and not affiliated with Moomoo Financial Inc. ("MFI") or its affiliates. Content outside of the moomoo ad has not been reviewed by MFI and reflects the influencer's own views. MFI does not endorse any strategies mentioned and is not responsible for the influencer's services. Click this link https://j.moomoo.com/BAES to get up to 15 free stocks from moomoo U.S when you make a qualified deposit + earn 4.6% on uninvested cash + an additional 3.5% APY Coupon for 3 months for new users!! Terms & Conditions Apply MANDO: Our sponsors this week include MANDO! Control body odor ANYWHERE with @shop.mando and get $5 off your Starter park (that's over 40% off) with promo code BAES at https://shopmando.com ! __ Latest MEATBALL SPECIAL HERE: https://youtu.be/bF9FbRUtyrM Last week's episode HERE: https://youtu.be/TLVSLpFBRvg Watch the latest Ben & Emil On HERE: https://youtu.be/ZgLZQZ8oeQI This episode was shot and edited by Connor Rousseau / @ conrad_roussrad Follow us on instagram! @ benandemilshow @ bencahn @ emilderosa and @ conrad_roussrad Learn more about your ad choices. Visit megaphone.fm/adchoices

Last week was arguably the biggest event in the history of Tesla, aptly titled "We, Robot". They're promising us a world of abundance for everyone, all thanks to a little thing called AUTOMATION. If you missed the party, don't worry sweetie...we've got you covered with all the highlights and of course, our glowing commentary. PLUS, we're talking about the loneliness epidemic and some new apps that seek to solve it, and a long overdue CRYPTO CORNER. People are saying it's one of our best episodes ever. Leave a comment to be featured as the comment of the week next week! And also, like this video, please! Thank you! Head to https://benandemilshow.com for this week's bonus episode and to support the show! :) __ SHOPIFY: Grow your business no matter what stage you're in! Sign up for a ONE DOLLAR PER MONTH trial period at https://shopify.com/baes LUMEN: Take the next step in improving your health! Go to https://lumen.me/BAES to get 15% off your Lumen! MOOMOO: Important: The creator is a paid influencer and not affiliated with Moomoo Financial Inc. ("MFI") or its affiliates. Content outside of the moomoo ad has not been reviewed by MFI and reflects the influencer's own views. MFI does not endorse any strategies mentioned and is not responsible for the influencer's services. Click this link https://j.moomoo.com/BAES to get up to 15 free stocks from moomoo U.S when you make a qualified deposit + earn 4.6% on uninvested cash + an additional 3.5% APY Coupon for 3 months for new users!! Terms & Conditions Apply __ Latest MEATBALL SPECIAL HERE: https://youtu.be/bF9FbRUtyrM Last week's episode HERE: https://youtu.be/TtMzvVzHk7M Watch the latest Ben & Emil On HERE: https://youtu.be/ZgLZQZ8oeQI This episode was shot and edited by Connor Rousseau / @ conrad_roussrad Follow us on instagram! @ benandemilshow @ bencahn @ emilderosa and @ conrad_roussrad Learn more about your ad choices. Visit megaphone.fm/adchoices

State Senate candidate Kelly Dooner joins the show again to discuss the massive discrepancy in EBT card users and the number of active cards in the state. Plus, Toby Leary joins the show to discuss his successful signature collection efforts, and MFI's Sam Whiting joins the show to talk about a Tewksbury library which tried to cancel a lecture on transgenders playing in women's sports. Visit the Howie Carr Radio Network website to access columns, podcasts, and other exclusive content.

It's finally here. The haters said it couldn't be done, and now the haters are in prison. What do you guys think? Anyway, this week we're covering the hilarious corruption and bribery scandal involving our favorite guy Mayor Eric Adams of NYC. Nobody does it like him. Also we've got the latest drama from OpenAI, SuperMicro gets investigated by the DOJ, Meta debuts their glasses, and MKBHD (Marques Brownlee) angers a lot of people because of his shitty wallpaper app. What a week. What a time to be alive. Thanks for watching, gang. Leave a comment to be featured as the comment of the week next week! And also, like this video, please! Thank you! Head to https://benandemilshow.com for this week's bonus episode and to support the show! :) __ MOOMOO: Important: The creator is a paid influencer and not affiliated with Moomoo Financial Inc. ("MFI") or its affiliates. Content outside of the moomoo ad has not been reviewed by MFI and reflects the influencer's own views. MFI does not endorse any strategies mentioned and is not responsible for the influencer's services. Click this link https://j.moomoo.com/BAES to get up to 15 free stocks from moomoo U.S when you make a qualified deposit + earn 4.6% on uninvested cash + an additional 3.5% APY Coupon for 3 months for new users!! Terms & Conditions Apply __ Latest MEATBALL SPECIAL HERE: https://youtu.be/bF9FbRUtyrM Last week's episode HERE: https://youtu.be/TtMzvVzHk7M Watch the latest Ben & Emil On HERE: https://youtu.be/ZgLZQZ8oeQI This episode was shot and edited by Connor Rousseau / @ conrad_roussrad Follow us on instagram! @ benandemilshow @ bencahn @ emilderosa and @ conrad_roussrad Learn more about your ad choices. Visit megaphone.fm/adchoices

Get up to 15 free stocks for signing up with Moomoo using our special link: https://j.moomoo.com/018m5C Micron stock (MU stock) is down over 40% from its peak earlier this year. Is it time to buy the dip? And is there an area of the semiconductor market that's an even better long-term investment? Nick and Kasey discuss in this special "celebration" video. Moomoo's $0 commission trading is available only to U.S. residents trading in the U.S. markets through Moomoo Financial Inc. Other fees may apply. For more information, visit moomoo.com/us/pricing Join us on Discord with Semiconductor Insider: https://ko-fi.com/chipstockinvestor Supercharge your analysis with AI! Get 15% of your membership with our special link here: https://finchat.io/csi/ Safeguard your personal information with Aura's monitoring service – try it free for two weeks and see where your data might be lurking: https://aura.com/chipstockinvestor Affiliate links that are sprinkled in throughout this video. If something catches your eye and you decide to buy it, we might earn a little coffee money. Thanks for helping us (Kasey) fuel our caffeine addiction! Content in this video is for general information or entertainment only and is not specific or individual investment advice. Forecasts and information presented may not develop as predicted and there is no guarantee any strategies presented will be successful. All investing involves risk, and you could lose some or all of your principal. #micron #memorychips #lamresearch #lrcxstock #chips #investing #stocks #financeeducation #artificialintelligence #ai #financeeducation #chipstocks #finance #investing #chipstockinvestor #semiconductormanufacturing #semiconductorstocks Nick and Kasey own shares of Lam Research and Applied Materials Moomoo Disclosures: Moomoo is a financial information and trading app offered by Moomoo Technologies Inc. In the U.S., investment products and services on Moomoo are offered by Moomoo Financial Inc., Member FINRA/SIPC. The creator is a paid influencer and is not affiliated with Moomoo Financial Inc. (MFI), Moomoo Technologies Inc. (MTI) or any other affiliate of them. The experiences of the influencer may not be representative of the experiences of other moomoo users. Any comments or opinions provided by the influencer are their own and not necessarily the views of MFI, MTI or moomoo. They do not endorse any trading strategies that may be discussed or promoted herein and are is not responsible for any services provided by the influencer. This advertisement is for informational and educational purposes only and is not investment advice or a recommendation to engage in any investment or financial strategy. Investing involves risk and the potential to lose principal. Investment and financial decisions should always be made based on your specific financial needs, objectives, goals, time horizon and risk tolerance. Any images shown are strictly for illustrative purposes. Institutional Tracking feature limitations: Please note any portfolio composition provided is updated on a significant delay and may be incomplete. It is not possible to replicate the timing or exact holdings of institutional portfolios. Conditional orders: No matter what type of order is used, market and investment risks cannot be completely eliminated. Limit and stop orders do not guarantee that an execution will occur because the price may never reach your limit or stop price, or there are other orders ahead of yours.*Important: Before investing in an ETF, you should read its prospectus or, if available, the summary prospectus, which provide detailed info on the ETF's investment objective, strategies, risks, costs, and historical performance (if any). Locate prospectuses on the websites of the firms that sponsor a particular ETF, or through your broker. ETFs are exposed tomarket volatility and risks of underlying securities.

Get up to 15 free stocks for signing up with Moomoo using our special link: https://j.moomoo.com/018m5C Join us on Discord with Semiconductor Insider: https://ko-fi.com/chipstockinvestor Is this power chip stock one of the best buys now? Chip Stock Investors Nick and Kasey discuss their power, automotive, and industrial semiconductor portfolio in this episode, and discuss why they recently bought Monolithic Power Systems (MPWR stock). With data centers and AI changing the landscape for this top chip stock, there could be plenty of growth left. Moomoo is not a bank. $0 commission trading is available only to U.S. residents trading in the U.S. markets through Moomoo Financial Inc. Other fees may apply. For more information, visit moomoo.com/us/pricing Supercharge your analysis with AI! Get 15% of your membership with our special link here: https://finchat.io/csi/ Affiliate links that are sprinkled in throughout this video. If something catches your eye and you decide to buy it, we might earn a little coffee money. Thanks for helping us (Kasey) fuel our caffeine addiction! Content in this video is for general information or entertainment only and is not specific or individual investment advice. Forecasts and information presented may not develop as predicted and there is no guarantee any strategies presented will be successful. All investing involves risk, and you could lose some or all of your principal. #monolithicpower #mpwrstock #semiconductors #chips #investing #stocks #finance #financeeducation #silicon #artificialintelligence #ai #financeeducation #chipstocks #finance #stocks #investing #investor #financeeducation #stockmarket #chipstockinvestor #fablesschipdesign #chipmanufacturing #semiconductormanufacturing #semiconductorstocks Nick and Kasey own shares of Monolithic Power Systems Moomoo Disclosures: Moomoo is a financial information and trading app offered by Moomoo Technologies Inc. In the U.S., investment products and services on Moomoo are offered by Moomoo Financial Inc., Member FINRA/SIPC. The creator is a paid influencer and is not affiliated with Moomoo Financial Inc. (MFI), Moomoo Technologies Inc. (MTI) or any other affiliate of them. The experiences of the influencer may not be representative of the experiences of other moomoo users. Any comments or opinions provided by the influencer are their own and not necessarily the views of MFI, MTI or moomoo. They do not endorse any trading strategies that may be discussed or promoted herein and are is not responsible for any services provided by the influencer. This advertisement is for informational and educational purposes only and is not investment advice or a recommendation to engage in any investment or financial strategy. Investing involves risk and the potential to lose principal. Investment and financial decisions should always be made based on your specific financial needs, objectives, goals, time horizon and risk tolerance. Any images shown are strictly for illustrative purposes. Institutional Tracking feature limitations: Please note any portfolio composition provided is updated on a significant delay and may be incomplete. It is not possible to replicate the timing or exact holdings of institutional portfolios. Conditional orders: No matter what type of order is used, market and investment risks cannot be completely eliminated. Limit and stop orders do not guarantee that an execution will occur because the price may never reach your limit or stop price, or there are other orders ahead of yours. *Important: Before investing in an ETF, you should read its prospectus or, if available, the summary prospectus, which provide detailed info on the ETF's investment objective, strategies, risks, costs, and historical performance (if any). Locate prospectuses on the websites of the firms that sponsor a particular ETF, or through your broker. ETFs are exposed to market volatility and risks of underlying securities.

Dr. L. H. Manjunath was the Executive Director of Shri Kshethra Dharmasthala Rural Development Project (R.) (SKDRDP). He joined SKDRDP as the Executive Director in 2001, to take forward the SHG promotion and community organization works of SKDRDP. He developed SKDRDP into a unique institution for microfinance and micro insurance for the poor. He retired in 2024. At the time of his joining SKDRDP was restricted to one taluk. Realising SKDRDP's potential, Dr. Manjunath prepared a growth plan which has not only made the institution sustainable but has encompassed 5.5 million families through 6,43,000 Self Help Groups (SHGs) spread across the entire Karnataka. He has developed many modules for last mile delivery of products related to poor. The financial innovations have helped the farmers, the women and the unbanked to access the best financial facilities at their doorsteps. Since 2009 SKDRDP has run one of the biggest Business Correspondent/Banking Facilitator to six scheduled commercial banks in the country. The efforts of Dr.Manjunath have made poor families more specially, women, credit worthy and bankable. Currently he is engaged in mentoring MFI startups. Before joining SKDRDP, Dr. Manjunath worked in various capacities at the Syndicate Bank, served as the Director at the T. A. Pai Institute for Rural Development and worked with the Rural Development Self Employment Training Institutes (RUDSETI). Prior to this engagement, he served in the Department of Animal Husbandry as a Veterinary doctor for 3 years. Dr Manjunath holds a postgraduate in veterinary sciences (MVSc.).

Stephanie Hendrixson shares observations from her visit to learn more about two different manufacturing institutes under the umbrella of Carnegie Mellon University. First, she visited the lab facilities at Mill 19, a refurbished steel mill site, used by the Manufacturing Futures Institute. The MFI aims to accelerate the digital transformation of manufacturing, through work that includes things like robotics, digital twins and generative design as well as AM. She also learned about the Next Manufacturing Center, CMU's additive-focused research institute seeking to solve increasingly specific 3D printing problems— including how to model and avoid spatter in laser powder bed fusion.   Find photos, related links and the transcript for this episode on AdditiveManufacturing.Media.   This episode is brought to you by Additive Manufacturing Media. Never miss a story.    Want to be the first to see the episodes of The Cool Parts Show we created with Carnegie Mellon? Sign up for our ALL ACCESS newsletter for fans of the show.   Mentioned in this episode: Stephanie's article about additive manufacturing and Carnegie Mellon University More about the solar array installed at Mill 19 Article from Solar Power World Mill 19 The Manufacturing Futures Institute and Next Manufacturing Center

This report contains an analysis of the latest financial reporting from BJ's Wholesale Club - BJ. The earnings report is for the first quarter of 2024, and the report was shared on an earnings call on May 23, 2024.Company Report & OutlookComp Sales Reporting in Q1 2024 Earnings CallDuring BJ's Wholesale Club's Q1 2024 earnings call, the company reported the following regarding comparable (comp) sales:Comp Sales Growth:* Comparable club sales, excluding gas sales, grew by 0.6% in the first quarter. This performance was noted as particularly significant given the tough comparison to last year's high inflation dynamics.Traffic Contribution:* Strong traffic was a major driver, contributing 3 percentage points to the comp sales in the quarter, maintaining a trend similar to the fourth quarter of the previous year.Inflation and Unit Volume:* Inflation was about flat during the quarter.* There was growth in unit volumes, especially in the perishables, grocery, and sundries divisions.Performance in Perishables, Grocery, and Sundries:* The perishables, grocery, and sundries division experienced comp growth of over 1%.* The strongest growth within this division was in perishables, particularly in unit volumes, led by categories such as fresh produce and dairy.General Merchandise:* The general merchandise segment delivered a slightly negative comp in Q1.* Weather-sensitive categories had a significant impact, with about a 10-point variance in performance across markets with different weather conditions.* Despite these challenges, specific categories like consumer electronics, apparel, and home textiles showed positive comp growth. Home categories, including home textiles, experienced nearly 7% comp growth, turning positive for the first time in a while.Overall, BJ's Wholesale Club highlighted continued momentum and strong comp sales growth, supported by robust traffic, unit growth, and strategic initiatives despite a challenging retail environment.AnalysisCurrent State of BJ's Wholesale ClubMembership and Market Share Growth:* Membership Fees: The company saw robust growth in membership fees by 8.6% year-over-year.* Market Share: Continued growth in market share, particularly in perishables, grocery, and sundries.* Renewal Rate: Exceptionally strong at 90%.* New Memberships: Growth was driven significantly by digital platforms.Sales and Traffic:* Comp Sales: Comparable club sales excluding gas grew by 0.6% in Q1 despite difficult comparisons due to last year's inflation.* Traffic and Unit Growth: Strong traffic trends contributed positively to sales, with a noted increase in unit growth particularly in perishables like fresh produce and dairy.* General Merchandise: Faced challenges due to weather-sensitive categories but reported positive comps in consumer electronics and apparel, with a notable 7% growth in home categories.Digital Engagement:* Digitally Enabled Sales: Continued double-digit growth in digital sales, with a 21% year-over-year increase in digitally enabled comp sales.* Convenience Initiatives: Enhanced digital capabilities like buy online, curbside pickup, and inventory management improvements to further assist shopping convenience.Gasoline Business:* Traffic Driver: Gas promotions and value offerings drove traffic, leading to a 6% growth in comp gallons sold, outpacing the down-trending broader U.S. market.* Profit Margins: Faced margin headwinds in Q1 due to rising costs, but expected to recover in Q2.Financial Performance:* Gross Margins and SG&A: Merchandise gross margin rate slightly decreased. SG&A increased year-over-year due to new openings and strategic investments.* Overall Financial Health: Ended the first quarter with strong inventory management, balancing new unit growth and strategic investments.Future OutlookStrategic Priorities:* Member Loyalty: Focus on increasing the quality and quantity of memberships, with an emphasis on high-spending, high-loyalty segments.* Shopping Experience: Continuous improvement through initiatives like Fresh 2.0 to enhance the quality and selection of fresh produce.* Digital and Convenience: Further development of digital tools to streamline shopping and increase member satisfaction.* Footprint Growth: Aggressive expansion with 11 new clubs expected in H2 of fiscal 2024 in both new and existing markets.Growth Projections:* Comp Sales Guidance: Expect comp sales growth to range between 1%-2% for fiscal 2024 with improved performance in the back half of the year.* Gross Margin Expansion: Anticipates a 20 basis point improvement in merchandise gross margin rate for the year driven by cost management and own-brand growth.* Membership Fee Income: Although Q1 showed high growth, the company expects a moderate but steady increase throughout the year.Industry and Economic Context:* Consumer Sentiment: Acknowledgement of consumer discretion in spending and a focus on high value and essential items.* Competitive Landscape: Awareness of competitive pricing actions but confidence in BJ's intrinsic value proposition and strategic promotional efforts.GuidanceThe leadership team at BJ's Wholesale Club provided the following specific guidance for investors regarding their business:* Comparable Sales: They expect fiscal 2024 comparable sales, excluding gas, to range from 1% to 2%. They anticipate an improving performance as the year progresses, with a particularly strong performance expected in the back half of the year.* Inflation: They are assuming a slightly inflationary year, with a robust consumable business led by traffic, units, and market share.* Membership Fee Income: The company noted that the year-over-year membership fee income increase of 8.6% in the first quarter will probably be the highest growth rate for the year. However, they anticipate it will continue to grow but at a more moderate rate.* Merchandise Gross Margin: They forecast an improvement in the merchandise gross margin rate by approximately 20 basis points for fiscal 2024, driven by strong cost management and continued growth in their own brands.* SG&A: Continued SG&A deleverage is expected as they invest in growth initiatives, particularly in unit growth as new club sales ramp up over a multi-year period. They are also lapping variable compensation tailwinds from fiscal 2023.* Tax Rate: They are planning for an effective tax rate of approximately 28% for the remaining three quarters of the fiscal year.* EPS Guidance: The company continues to expect to deliver adjusted earnings per share (EPS) in the range of $3.75 to $4.00.* Expansion: BJ's plans to open 11 more clubs in the back half of the fiscal year 2024 in both new markets like Louisville, Knoxville, Southern Pines, and Myrtle Beach, as well as existing markets like New York metro and Florida. They also mentioned ongoing investments into their existing footprint with upgrades and remodels.* Gasoline Business: While the first quarter faced margin headwinds due to rising costs, they expect the gasoline business to recover somewhat in the second quarter. They remain confident in the overall profitability and growth potential of this segment on an annual basis.This guidance provided the investors with a clear outlook on how BJ's Wholesale Club expects to perform financially in the coming months and outlined the strategic initiatives they are pursuing to ensure continued growth and return on investment.Change Since Last QuarterComparative Analysis of BJ's Wholesale Club Earnings ReportsThe recent earnings report shows continued growth in membership, digital sales, and market share, with a particular emphasis on digital engagement and convenience improvements. Challenges in general merchandise and gasoline margins were noted, but the outlook remains positive with strategic expansions and new club openings. The previous report emphasized membership growth and long-term value, with concerns about disinflation affecting perishables. Both reports highlight investments in digital capabilities and a steady focus on member loyalty and expanding the company's footprint.Analyst ResponseAnalysisKey Topics from Analysts' Questions* Membership Fee Income (MFI) Growth:* Analyst: Peter Benedict (Baird)* Topic: Why MFI growth is expected to step down after Q1 and whether BJ's leadership is considering increasing membership fees given the strong performance.* Inventory and Merchandising Margins:* Analyst: Peter Benedict (Baird)* Topic: Efforts in getting inventory in line, its progress, and expectations for merchandising margins through the year.* Promotional Environment and Pricing Actions:* Analyst: Kate McShane (Goldman Sachs)* Topic: Current promotional environment and how BJ's is addressing competitive pricing actions to maintain their competitive price gap.* Discrepancy between MFI Growth and Club Growth:* Analyst: Simeon Gutman (Morgan Stanley)* Topic: Drivers behind the high MFI growth and its sustainability, especially with new club openings throughout the year.* New vs. Existing Member Spending:* Analyst: Simeon Gutman (Morgan Stanley)* Topic: Comparison of spending habits across different product categories between new and existing members.* New Market Clubs Performance:* Analyst: Robby Ohmes (Bank of America)* Topic: Performance of new market clubs versus expectations and reasons behind any observed differences.* Fresh 2.0 and Coolers Initiative:* Analyst: Robby Ohmes (Bank of America)* Topic: Details about the Fresh 2.0 initiative and the impact of placing coolers at the front of clubs.* General Merchandise and Seasonal Categories:* Analyst: Chuck Grom (Gordon Haskett)* Topic: Dynamics within the general merchandise segment and the impact of seasonal categories, including services and ancillary products.* Gross Margin Expansion Drivers:* Analyst: Chuck Grom (Gordon Haskett)* Topic: Future drivers of gross margin expansion including inventory management, SKU rationalization, and own brand efforts.* Gasoline Segment Profits:* Analyst: Greg Melich (Evercore ISI)* Topic: Decline in gas profit margins and expectations for improvement.* Impact of Credit Card Transition:* Analyst: Greg Melich (Evercore ISI)* Topic: Effects of last year's credit card transition on current margins, overall sales, and SG&A.* Monthly Sales Trends:* Analyst: Michael Baker (D.A. Davidson)* Topic: Monthly sales trends within the quarter and their relationship to comp expectations throughout the year.* Income Cohort Performance:* Analyst: Edward Kelly (Wells Fargo)* Topic: Performance of different income cohorts, especially the improvement in spending among lower-income members.* Unit Improvement and Own Brands:* Analyst: Chuck Cerankosky (Northcoast Research)* Topic: Unit sales improvement indicating overall club performance and impact of own brand sales on comps and margins.Key ThemesHere are the key terms and phrases used by the BJ's Wholesale Club executives in the earnings call:* Membership fee income (MFI) - This refers to the revenue BJ's earns from membership fees, which is a key driver of their business.* Comparable club sales/comps - This measures the sales growth at stores open for at least 13 months, excluding the impact of gas sales.* Perishables, grocery and sundries - This is a key division of BJ's business focused on food and everyday household items.* General merchandise - This refers to the non-grocery/household items like electronics, apparel, home goods etc.* Fresh 2.0 initiative - This is a program to improve the quality, selection and presentation of BJ's produce offerings.* Own brands (Wellsley Farms, Berkley Jensen) - BJ's private label brands which they are focused on growing as they offer higher margins.* Digitally-enabled sales - Sales driven through online/app ordering and services like curbside pickup.* Merchandise gross margin - The profitability on the merchandise BJ's sells, excluding the gas business.* Strategic priorities - The four key focus areas for BJ's: member loyalty, unbeatable shopping experience, value convenience, and footprint growth.The executives highlighted the company's strong membership growth, gains in market share, improvements in merchandising, and continued investment in digital capabilities as key drivers of their business performance.Financial Reporting Summary* Net Sales: Approximately $4.8 billion, growing 4% over the prior year.* Comparable Club Sales: Up 1.6% year-over-year, led by gallons sold.* Merchandise Comp Sales (excluding gas sales): Increased by 0.6% year-over-year and by 6.3% on a two-year stack.* Digital Sales: Digitally enabled comp sales for the first quarter grew 21% year-over-year and 40% on a two-year stack.* Membership Fee Income (MFI): Grew 8.6% to approximately $111.4 million.* Gross Margins:* Merchandise gross margin rate (excluding gasoline) decreased by approximately 50 basis points year-over-year.* Expected merchandise gross margin rate improvement of approximately 20 basis points for fiscal 2024.* SG&A Expenses: Approximately $721.8 million, with a year-over-year increase attributed to new unit growth and other investments.* Adjusted EBITDA: $236.4 million for the first quarter.* Effective Tax Rate: 24.4% for the quarter.* Adjusted Earnings Per Share (EPS): $0.85, flat year-over-year.* Inventory: Ended the first quarter with inventory about flat year-over-year.* Net Leverage: Ended the first quarter with 0.6 turns of net leverage.* Share Repurchases: 405,000 shares for $30.2 million, with $159 million remaining under the current authorization.* Guidance for Fiscal Year 2024:* Comp sales, excluding gas, expected to range from 1% to 2%.* Merchandise gross margin rate expected to improve by approximately 20 basis points.* Effective tax rate of approximately 28% for the remaining three quarters of the fiscal year.* Adjusted EPS expected in the $3.75 to $4 range. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit theearningscall.substack.com

Dr. John Sweetenham and Dr. Marc Braunstein look ahead at key abstracts across the spectrum of hematologic malignancies that will be presented at the 2024 ASCO Annual Meeting, including the OPTIC trial in chronic myeloid leukemia, treatment options for transplant-ineligible patients with multiple myeloma, and the 7-year analysis of the ECHELON-1 trial in classical Hodgkin lymphoma. TRANSCRIPT Dr. John Sweetenham: Hello, I'm Dr. John Sweetenham from UT Southwestern's Harold C. Simmons Comprehensive Cancer Center and the host of the ASCO Daily News Podcast. I'm delighted to be joined again this year by Dr. Marc Braunstein, a hematologist and oncologist at the NYU Perlmutter Cancer Center in New York. We're going to be discussing some of the key abstracts in hematologic malignancies that will be featured at the 2024 ASCO Annual Meeting.  Our full disclosures are available in the transcript of this episode, and disclosures of all guests on the podcast are available at asco.org/DNpod.  Marc, it's great to have you back on the podcast. Dr. Marc Braunstein: It's a pleasure to be back, John.  Dr. John Sweetenham: There are some exciting abstracts to be presented at this year's meeting, and I would like to begin, if we can, with Abstract 6501. As you know, this reports the four-year results from the OPTIC trial of ponatinib in patients with chronic-phase CML and the T315I mutation. Can you tell us about the trial and about these latest follow-up results? Dr. Marc Braunstein: Sure. Well, we've made tremendous progress in managing patients with CML in the past two decades using these oral tyrosine kinase inhibitors such as ponatinib. Ponatinib is a third-generation TKI that has activity in both Philadelphia-positive ALL as well as CML, and can overcome the resistance mutation you mentioned, called the T315I mutation, which is sometimes found following prior TKI therapy. The OPTIC study is a multicenter phase 2 randomized study of various doses of ponatinib in 283 chronic phase CML patients who had received 2 or more prior lines of therapy or those who had the presence of a T315I mutation, with the current analysis examining the major remission at 48 months, PFS, as well as OS. Of note, in this study, after patients have achieved a major remission with a transcript level of 1% or less, the study allowed for dose reduction of ponatinib from the original dose of either 45 milligrams or 30 milligrams to a reduced dose of 15 milligrams.  So, when we look at the results, we find that the patients who had the highest overall response rates and higher rates of molecular remission were those who received the 45-milligram dose. And remember, these patients were allowed to be dose-reduced to the 15-milligram dose once they achieved a molecular remission of 1% or less. In addition, the rates of overall survival were highest in the 45-milligram dose as well. When looking at the T315I subgroup, the rates of molecular remission, the depth of remission, and the rates of progression-free survival, in general, were lower in that subgroup, but still higher in the 45-milligram dose than the 35- milligram dose.  Furthermore, when looking at the rates of treatment-emergent adverse events leading to discontinuation, they were 8% in the 45-milligram dose compared to 14% in the 30-milligram dose and 5% in the patients who only received the 15-milligram dose. The authors have concluded that the 45-milligram dose, with the potential to be reduced to 15 milligrams after achieving 1% or less of the BCR-ABL transcript level, seems to be the right balance between efficacy and safety.  Dr. John Sweetenham: Thanks, Marc. In the longer term, do you think that this study will, in any way, affect the position of ponatinib in the treatment algorithm for CML? Is it going to remain as a second or third-line option, or do you think there's any chance it will be moved up? Dr. Marc Braunstein: Well, that's a great question. There are other TKIs, such as asciminib, that also target the T315I mutation, and that mutation tends to develop after prior first-line or second-line TKI therapy. But given its activity in both ALL and CML, I think it's certainly reasonable to expect that ponatinib will be used in earlier lines of therapy given its efficacy in later lines. Dr. John Sweetenham: Let's change gears and move the focus to acute myeloid leukemia. There has been a lot of discussion around frailty in many different malignancies, but the impact of frailty on outcomes in AML is maybe something that hasn't been quite so well studied. In Abstract 6506, investigators did a population-based study in Ontario, Canada, that assessed the patient's frailty risk and the impact that might have on outcomes. What are your takeaways from this study, and how do you think these data will help optimize treatment decisions?  Dr. Marc Braunstein: Yeah, I'm glad we're talking about this abstract John, because frailty scores are increasingly being used in hematologic malignancies to help guide goals and intensity of care. And as opposed to using age or performance status alone, these composite frailty assessment tools, such as the MFI tool that they used in this particular study, take into account multiple variables that are both physiologic, such as the patient's comorbidities, as well as social, and what kind of support system do they have, and things of that nature. And that accounts for their overall fitness. So, in this retrospective cohort study that was a population-based study in Ontario between 2006 and 2021, they looked at 5,450 patients retrospectively with acute leukemia and grouped those patients into 3 categories based on this frailty index. Patients who are either fit, somewhere in the middle between fit or frail, which they call pre-frail, or frail. And they looked at outcomes such as overall survival, comparing patients who got intensive chemotherapy regimens for induction or those who got non-intensive therapy for induction. Patients in either group could have been assigned to either fit, pre-frail, or frail although there are much more fit patients than those who got intensive induction.  And so, looking at their findings, it was noted that patients who were in the frail category, not entirely unexpectedly, had lower overall survival when compared to those who were fit or pre-frail. I think the value of a study like this is not just to highlight the benefit of frailty scores to help predict which patients may ultimately have a shorter survival, but also to help potentially guide which patients may be more suitable for intensive versus less intensive induction. I will note that this study was conducted in an era where we didn't have the same sorts of less intensive induction that are very effective in less fit patients, such as the combination of azacytidine and venetoclax, which is commonly used in less fit patients nowadays. So, the study may encompass patients who didn't have access to that therapy because it wasn't available during that time. But I think it still, overall, does highlight the fact that assessing fitness or frailty in acute myeloid leukemia is important for predictive value. Dr. John Sweetenham: I agree. Marc, I don't know what your thoughts are on this, but it goes either way. I mean, I think that, if I remember the numbers correctly, 25% of fit patients received non-intensive therapy. So, is there a missed opportunity there for that group of patients who actually may have tolerated the intensive therapy but it was never offered? Dr. Marc Braunstein: That's an excellent point, John, and I think that highlights the importance of frailty indices because they take into account much more than one particular factor, or even just a subjective assessment of the patient in real time when they're first presenting. And they may have disease-specific features that are decreasing, say one element of their assessment such as their performance status. So, really taking these composite fitness scores into account may actually allow you to escalate therapy in a patient who may actually be fit but maybe perceived as less fit when they present. Dr. John Sweetenham: Yeah. So, I think, as you mentioned, there are better treatment options out there now maybe than there were at the time this study was conducted. Nevertheless, there may still be that opportunity for more intensive therapy for some of these patients when they are more holistically assessed.  Let's move on and switch gears once again and talk about a study in multiple myeloma, the so-called IMROZ study, which is Abstract 7500. So, this is a study looking at treatment options for transplant-ineligible patients with newly diagnosed multiple myeloma. Some of these patients may not have a chance for subsequent therapy if they are not eligible for transplant. What are your thoughts on this study? Do you think we're closer to a new standard of care for patients who are not going to proceed to an autologous stem cell transplant?  Dr. Marc Braunstein: It seems like every year there's a new standard of care for newly diagnosed multiple myeloma because there's so much data emerging, which is just wonderful. So, I think as background, at the 2023 ASH meeting, the IsKia study was presented, which is a randomized phase 3 study in newly diagnosed transplant-eligible patients. And that was using isatuximab with carfilzomib, lenalidomide, and dexamethasone upfront and that study did show a benefit in terms of reducing minimal residual disease compared to carfilzomib, lenalidomide, and dexamethasone alone. But that study was looking at fit newly diagnosed patients who were going on to stem cell transplant. Right now, the standard of care for patients who are not eligible for transplant is generally to use a 2 or 3-drug regimen, such as daratumumab, lenalidomide, and dexamethasone, based on the phase 3 MAYA study. But this study is really unique in that it looks at using a quadruplet regimen in patients who are transplant ineligible or not intended to go for transplant.  So, the phase 3 IMROZ study was a randomized study of 446 patients that compared isatuximab, bortezomib, lenalidomide, and dexamethasone to bortezomib, lenalidomide, and dexamethasone alone. So, a quad versus a triplet regimen. The primary endpoint in this study was progression-free survival, but they also looked at secondary endpoints, such as complete response rate and minimal residual disease negativity.   Just to quickly highlight the results and then discuss the standard of care, the median duration of treatment in this study was 53 months in the quad regimen and 31 months in the control arm. At a median follow-up of about 60 months, the progression-free survival was not reached with the quad regimen versus 54 months in the triplet, and that was a significant difference. In addition, the safety profile was pretty much consistent with the class, there were a bit more grade three or higher treatment-emergent adverse events with the ESA-containing regimen, 92% versus 84%, but no difference in adverse events leading to discontinuation in either arm.   So, this study is certainly compelling in terms of using quadruplet-based regimens that contain an anti-CD38 monoclonal antibody for newly diagnosed patients who are not intended to undergo transplant. I think at the meeting, I will be interested to see the patient population that was included. Patients who are over the age of 80, for example, are excluded. So, I would like to know more about their fitness level and performance status. But I think it's clear, John, that using quad regimens over triplet regimens is just consistently superior in terms of efficacy outcomes. Dr. John Sweetenham: Right. I guess that, even though maybe we can't focus on the specific agents right now, it looks as if quad regimens are going to be the standard of care regimens for the future in this group. Do you think that is fair?  Dr. Marc Braunstein: Very likely. Dr. John Sweetenham: Absolutely. Well, that's a pretty challenging group of patients.   And so to move on again, let's talk about another, perhaps equally challenging group - patients with mantle cell lymphoma, particularly those who carry certain mutations. The so-called SYMPATICO study, which is reported in Abstract 7007, presents data on the efficacy and safety of ibrutinib and venetoclax in patients with mantle cell lymphoma who carry a TP53 mutation. We know that this mutation confers a high risk of early progressive disease and poorer outcomes when these patients are treated with standard chemoimmunotherapy for mantle cell. Trials to date have been limited to small single-arm studies. Can you tell us a little bit about this study and the outcomes and what you think it means for the future?  Dr. Marc Braunstein: As a background, although BTK inhibitors such as ibrutinib have yet to be approved for newly diagnosed mantle cell lymphoma, acalabrutinib and zanubrutinib, which are second-generation BTK inhibitors, are FDA-approved for previously treated mantle cell lymphoma. Ibrutinib was withdrawn from the market. The lead author of this abstract, Dr. Michael Wang, had presented a late-breaking data from the phase 3 SYMPATICO trial at ASH last year, in which 267 patients with relapsed or refractory mantle cell lymphoma after one to five prior lines of therapy were randomized to receive the combination of ibrutinib plus the BCL-2 inhibitor venetoclax or ibrutinib plus placebo. That study showed there was a 32 versus 22-month progression-free survival with a hazard ratio of 0.65 at a median follow-up of 51 months, indicating the PFS benefit of the combination of ibrutinib and venetoclax compared to ibrutinib with placebo.   So that leads us to this subgroup analysis in the current study being presented at ASCO, in which they looked at a subgroup of patients with mantle cell lymphoma who are at very high risk for treatment failure and early relapse - those are patients who have a mutation in TP53, which again is high risk for treatment failure. This abstract examined an open-label cohort of 44 first-line patients, as well as 75 patients who were in the relapse/refractory cohort, and compared to patients who either did or did not have the P53 mutation. When we look at the progression-free survival outcomes, the median progression-free survival in the first-line cohort of patients who did not have a P53 mutation was not reached, whereas those with the P53 mutation had a median progression-free survival of 22 months, which is still meaningful but still less than those who did not have a P53 mutation. Which again is not entirely unexpected. But the overall response rate of the combination of ibrutinib and venetoclax was very high at 90%, and the median duration of response was about 21 months.  Now comparing this to the relapse/refractory cohort, in those without a P53 mutation, the progression-free survival of the combination of ibrutinib and venetoclax was about 47 months versus those who don't have the P53 mutation was about 21 months with an overall response rate of 80%. I think one takeaway looking at this comparison of the first-line and relapse/refractory setting is that patients seem to do very similar in terms of overall response rate and progression-free survival, whether they were in the first line or in the later lines of treatment if they had the P53 mutation, which says that the combination of ibrutinib and venetoclax is effective no matter which phase of the disease the patient might be in, indicating its overall activity and being strong.    Dr. John Sweetenham: Yeah, I thought that was an interesting observation, actually, how similar the outcomes were in those two groups.  Dr. Marc Braunstein: No, I agree. And I think although patients with TP53 mutations did comparatively worse than those without the mutation according to progression-free survival, overall response rate, or complete remission rates, they did seem to be similar whether a patient was in first-line or relapsed refractory if they were P53 mutant and were treated with this combination. So, I think we need further data in the first line, such as the data that's awaiting publication from the TRIANGLE study, which is examining upfront ibrutinib. But certainly, BTK inhibitors have significant activity in either the first line or the relapse setting of mantle cell lymphoma.  Dr. John Sweetenham: Great. Thanks, Marc.  Let's wind up with one more abstract, and this is Abstract 7053. It's a 7-year analysis of the so-called ECHELON-1 study. This was a study comparing the standard of care, ABVD, with the same regimen with bleomycin substituted by brentuximab vedotin for patients with previously untreated advanced-stage classical Hodgkin lymphoma. The study at the time it was originally reported, resulted in a significant practice change in the first-line therapy of Hodgkin's lymphoma. We now have mature follow-up. What are your take-homes from this study? Dr. Marc Braunstein: The ECHELON-1 study has certainly been a practice-changing clinical trial where, as you said, brentuximab with the backbone of AVD was compared to ABVD, which was the prior standard. And this was examined in newly diagnosed patients with classical Hodgkin lymphoma who were at advanced-stage, stage 3 or 4. The publication, first of the progression-free survival, and more recently, in the New England Journal of Medicine in 2022, where we saw the 6-year overall survival was 94% with the brentuximab-containing arm versus 89% in the control arm, established the brentuximab AVD, or otherwise called AAVD, as the standard of care in advanced stage newly diagnosed classical Hodgkin lymphoma. The current study is now reporting 7-year follow-up on about 1,300 randomized patients who were enrolled in this impressive study.   Though at a median follow-up of 89 months now, the 7-year overall survival was quite similar, 94% versus 89%, again favoring the brentuximab-containing arm. In particular, this was driven by patients who had stage 4 disease or those patients who were aged less than 60 in subgroup analyses. So, what I take away from this abstract in the 7-year follow-up of the ECHELON-1 is that brentuximab with AVD remains the standard of care for previously untreated advanced-stage classical Hodgkin lymphoma. It is worth noting that the SWOG S1826 study that was presented at ASCO last year compared nivolumab with AVD compared to brentuximab AVD and did show a slight PFS advantage of 94% versus 86% with nivolumab AVD. Obviously, these were different studies with different patient populations enrolled, so we're really just cross-comparing different studies. But I think brentuximab AVD, given the survival benefit that is retained now at seven years in the current abstract, still remains the standard of care for advanced-stage classical Hodgkin lymphoma. The role of immune checkpoint inhibitors like nivolumab is making headway in terms of treating newly diagnosed patients as well. Dr. John Sweetenham: Yeah, thanks, Marc. I mean, one of the observations that I thought was of interest in this study was the outcome for patients who were PET-2 positive, when you compare AAVD and ABVD. It does seem as if even in those patients who are PET-2 positive, having had AAVD, they still apparently have a better outcome than those who received ABVD in that situation who were PET-2 positive. So, I think that's another interesting observation. I'm not quite sure what it means, except speaking to the overall superior efficacy of that regimen. Dr. Marc Braunstein: You make a great point, John, because it's worth noting that in ECHELON-1, a PET scan was done after cycle 2, but the study was not PET-adapted. So even if you had a positive PET, you continued for the full six cycles of treatment. But PET-2 status is often used in various studies of Hodgkin lymphoma to guide whether to give additional cycles or escalate therapy. So, I think the benefit of presenting those subgroups is that even if you were PET-2 positive, you still did better by continuing on the brentuximab-containing regimen. Dr. John Sweetenham: Yeah, exactly. I mean, the other important takeaway message, I think, is that the outcome for patients with advanced Hodgkin lymphoma seems to continue to steadily improve, which is great news and also really remarkable. And I'm excited to see there may be some additional data presented at one of the late-breaking abstracts in this year's meeting, so it will truly be interesting to see what that shows us as well.  Dr. Marc Braunstein: Incredible. Dr. John Sweetenham: Well, Marc, as always, thank you for sharing your insights with us today on the ASCO Daily News Podcast. We look forward very much to hearing the updated data from these abstracts at the meeting.  Dr. Marc Braunstein: As do I and thank you so much for inviting me again.  Dr. John Sweetenham: And thank you to our listeners for joining us today. You'll find links to the abstracts discussed today in the transcript of this episode. Finally, if you value the insights that you hear on the ASCO Daily News Podcast, please take a moment to rate, review, and subscribe wherever you get your podcasts. Disclaimer: The purpose of this podcast is to educate and to inform. This is not a substitute for professional medical care and is not intended for use in the diagnosis or treatment of individual conditions. Guests on this podcast express their own opinions, experience, and conclusions. Guest statements on the podcast do not express the opinions of ASCO. The mention of any product, service, organization, activity, or therapy should not be construed as an ASCO endorsement.   Find out more about today's guest: Dr. Marc Braunstein @docbraunstein   Follow ASCO on social media:  @ASCO on Twitter  ASCO on Facebook  ASCO on LinkedIn    Disclosures:  Dr. John Sweetenham: Consulting or Advisory Role: EMA Wellness   Dr. Marc Braunstein: Consulting or Advisory Role: Pfizer, Bristol-Myers Squibb/Celgene, Adaptive Biotechnologies, GlaxoSmithKline, ADC Therapeutics, Janssen Oncology, Abbvie, Guidepoint Global, Epizyme, Sanofi, CTI BioPharma Corp Speakers' Bureau: Janssen Oncology Research Funding (Institution): Janssen, Celgene/BMS

CHECK OUT EURODOLLAR UNIVERSITY'S SPRING SALEhttps://www.eurodollar.university/sales-page-springWhat is it with banks these days? Well, this time it may not be the bank themselves. According to the latest data from the ECB, European depositories are lending loads to non-banks over there. That's not a good sign and in this video you'll see why that is - and why it isn't just Europeans who should be seriously concerned. Eurodollar University's Money & Macro AnalysisECB Manual on MFI statisticshttps://www.ecb.europa.eu/pub/pdf/other/ecb.manualmfibalancesheetstatistics202402~8e4fc2ccca.en.pdfECB November 2023 Financial Stability Reviewhttps://www.ecb.europa.eu/press/financial-stability-publications/fsr/html/ecb.fsr202311~bfe9d7c565.en.htmlhttps://www.eurodollar.universityTwitter: https://twitter.com/JeffSnider_EDU

This week in politics starts, of course, with Michigan's Presidential Primary. The primary has Biden and Trump winning by a bunch — but both campaigns see warning signs for November. Also this week: Sneaker salesman Trump graciously accepts victory by calling Gretchen Whitmer “a terrible governor who sold you out”, and UAW president Shawn Fein “atrocious" A state court has, for now, put Kristina Karamo out to political pasture, but the fight for control of what's left of the Michigan Republican Party goes on Michigan born-and-bred Ronna Romney McDaniel admits the obvious: she's officially another victim of Trump's one-way loyalty Former Michigan Congressman Mike Rogers is trying to rewrite his legislative history sponsoring legislative mirroring last week's Alabama ruling that embryos are people Joining the podcast is Lou Glazer, head of the economic think tank Michigan Future, a non-partisan, non-profit organization. Michigan Future's mission is to be a source of new ideas on how Michigan can succeed as a world class community in a knowledge-driven economy. Its work is funded by Michigan foundations. Glazer currently is heading efforts to implement a new agenda designed to raise household income for all. Prior to joining MFI, he served as Deputy Director of the Michigan Department of Commerce during the Blanchard Administration. He received Bachelors and Masters degrees from the University of Michigan. =========================== This episode is sponsored in part by EPIC ▪ MRA,  a full service survey research firm with expertise in: • Public Opinion Surveys • Market Research Studies • Live Telephone Surveys • On-Line and Automated Surveys • Focus Group Research • Bond Proposals - Millage Campaigns • Political Campaigns & Consulting • Ballot Proposals - Issue Advocacy Research • Community - Media Relations • Issue - Image Management • Database Development & List Management ===========================

This week, we delve into Part Two of our discussion with Michael Goodman of Centrance. We get into the nitty-gritty of the intricacies of creating the PASpport Vo, and the benefits of maintaining simplicity in design by restricting the device to just six knobs, which enhances ease of use for podcasters and voiceovers alike. #VoiceOverTechTalk #ProAudioSuite #DesignSimplicityInAudio A big shout out to our sponsors, Austrian Audio and Tri Booth. Both these companies are providers of QUALITY Audio Gear (we wouldn't partner with them unless they were), so please, if you're in the market for some new kit, do us a solid and check out their products, and be sure to tell em "Robbo, George, Robert, and AP sent you"... As a part of their generous support of our show, Tri Booth is offering $200 off a brand-new booth when you use the code TRIPAP200. So get onto their website now and secure your new booth... https://tribooth.com/ And if you're in the market for a new Mic or killer pair of headphones, check out Austrian Audio. They've got a great range of top-shelf gear.. https://austrian.audio/ We have launched a Patreon page in the hopes of being able to pay someone to help us get the show to more people and in turn help them with the same info we're sharing with you. If you aren't familiar with Patreon, it's an easy way for those interested in our show to get exclusive content and updates before anyone else, along with a whole bunch of other "perks" just by contributing as little as $1 per month. Find out more here..   https://www.patreon.com/proaudiosuite     George has created a page strictly for Pro Audio Suite listeners, so check it out for the latest discounts and offers for TPAS listeners. https://georgethe.tech/tpas If you haven't filled out our survey on what you'd like to hear on the show, you can do it here: https://www.surveymonkey.com/r/ZWT5BTD Join our Facebook page here: https://www.facebook.com/proaudiopodcast And the FB Group here: https://www.facebook.com/groups/357898255543203 For everything else (including joining our mailing list for exclusive previews and other goodies), check out our website https://www.theproaudiosuite.com/ “When the going gets weird, the weird turn professional.” Hunter S Thompson   Summary In the latest episode of The Pro Audio Suite podcast, we delve into Part Two of our insightful discussion with Michael Goodman. The focus is on the nitty-gritty of audio equipment design, specifically the intricacies of creating the Passport Vo. Goodman highlights the benefits of maintaining simplicity in design by restricting the device to just six knobs, which enhances ease of use for voiceover artists. The conversation also explores the challenges and considerations in pricing and product functionality, like the decision to enable the Passport Vo to work with external preamps. Goodman provides a candid look at the rapidly evolving landscape of audio interface protocols, such as the impending obsolescence of the lightning jack in favor of USB-C and the limitations of ASIO on Windows. Listeners will gain unique insights into the manufacturing process, from the adoption of a platform strategy to the precision of creating 3D printed parts. Goodman discusses the shift to new USB chips due to discontinued ones and reveals how smaller manufacturers are playing a key role. For those interested in the technical aspects of audio equipment production and design choices that impact both the user experience and future compatibility, this episode offers a wealth of knowledge. Tune in to learn from Goodman's expertise and stay informed on the latest in pro audio equipment design. #VoiceOverTechTalk #ProAudioSuite #DesignSimplicityInAudio Timestamps (00:00:00) Introduction with George Wittam and Robert Marshall (00:00:32) George Discusses Design Limitations (00:05:22) Unique Tools for Voiceover Artists (00:08:44) Flexibility of the English Channel Passport (00:11:56) Apple's Lightning Jack Obsolescence (00:16:23) Challenges with Apple's Developer System (00:21:36) Michael on the Passport VO Analog Mixer (00:25:04) Progress on USB Chip Prototyping (00:28:48) DIY Circuit Board Manufacturing (00:33:15) Handling Tiny Components on Circuit Boards (00:35:48) Michael Inquires About Custom Faceplates (00:38:27) Closing Remarks and Acknowledgments Transcript Speaker A: Y'all ready? Speaker B: Be history. Speaker A: Get started. Speaker C: Welcome. : Hi. Hi. Speaker A: Hello, everyone to the pro audio suite. These guys are professional. Speaker C: They're motivated with tech. To the Vo stars, George Wittam, founder of source elements Robert Marshall, international audio engineer Darren Robbo Robertson, and global voice Andrew Peters. Thanks to Triboo, austrian audio making passion heard source elements George the tech Wittam and Robbo and AP's international demo. To find out more about us, check ThePro audiosuite.com. And this is part two of our talk with Michael Goodman. In this episode, we pick up where we left off and we talk about the passport Vo. Speaker A: I like the fact that there's a restriction to the design. Like, Michael had to decide what those six knobs could do or not do. And so it wasn't like, oh, let's just add more knobs. Let's just make it bigger. : I did add more knobs in the black cab. It's got nine. Speaker A: Just kind of pushing squeeze nine in there. Yeah, but no, that's the beauty of when we made the passport. We did not add more knobs. We forced ourselves to work within that restricted design space and say, we have six knobs. We need to do everything we need with these six knobs. If there's more than six knobs, how do you expect an actor to understand what the heck the thing is doing as you add more and more? Speaker C: Yeah, yeah, I agree. : See, we should have looked at the black cab when we were asking for stuff. Speaker C: Yeah. Speaker B: I have a funny feeling Michael's answer would have been the same. : I think it's an excellent way of building simplicity into it, and really also, it makes you go through the design process. And I think it was a fun thing with the passport was exactly that. Because at first it was like, so many things. Add another knob, add another knob, and then you have to go through that slightly painful but sharpening process of going, like, we can't only have six knobs. How are you really going to do this? : It's interesting. When I was younger, I geeked out a lot on the japanese culture specifically. I loved their propensity for making small pieces of art. Right. The whole idea with the ice sculpture, art should be ephemeral. It should be there, and it's not there anymore. Right. And then the whole idea with writing a poem on a grain of rice, et cetera. I love compact things. And when we started making hi fi products, we also make some headphone listening products at sentrance. I traveled to Japan a lot, and I attended these hi fi shows, and I noticed how people are focused on completely different priorities there. Because apartments are very small in Japan. And therefore nobody buys a traditional stereo system with big speakers and all that. Everybody essentially listens in headphones in a tiny little spot, usually on a train, on their way to work or back home. So that culture creates a necessity for smaller things. And then for some reason, it just kind of stuck with me. I like when, essentially, when you travel, you don't want to log around a 19 inch rack or even like a 500 series lunchbox thing. That's the way we're trying to make these things small. But getting back to passport vo, the restriction there was basically the same one that was popularized by Henry Ford, who said that you can have your Model T in any color as long as it's black. Yeah. So basically, we have this box, and whatever you want to have must fit. Speaker C: In the box, which was good. And it was an interesting exercise, me being the guinea pig who potentially is going to be the person who uses this. Know, I didn't want it too technical and trying to get the terminology something that people like me would understand. So that was an interesting exercise for all of us as well. Speaker A: There was a lot of pushing and pulling between the Andrew Robert hemispheres of the design team. : There was? Speaker C: Yes, that's right. : Yes. I was wanting to keep it flexible and let it do more things. Be both. The. For instance, I wanted to be the interface that you could take on the road or leave in your control room and run it as your whole studio interface, or have it in your booth. And it could work in any place. And Andrew was like, I just want to travel with this was. Speaker C: It was kind of interesting because we were the polar opposite. So you had Robert on one side, me on the other side, and George and Robbo in the middle. George particularly, trying to make sense of. Speaker A: Our nonsensical and the filter. And I was trying to condense down everything. What they wanted to George was the traffic Michael. So that Michael didn't end up having to be the traffic cop. It got out of control at one point, expand at one point. Remember distinctly, I was like, wait, I was supposed to be protecting my. : I think that was important, giving Michael one point of communication. Because it would have been maddening for him. : Exactly. Well, I have to say, I actually enjoyed the process. I mean, there was a lot of creativity and ideation throughout the whole thing. And if you have. I love ideation myself. So I'm not really necessarily against it, opposed to it, as long as it eventually comes to a solid, well defined feature. Set, which I think we have. So that whole process that worked very well for me. And I do appreciate George coming in as a traffic cop and essentially directing. Speaker B: A lot of that traffic and an architect as well. Can I just say, with all the drawings that he had to do, I. Speaker A: Had fun trying to figure out a way to draw a signal flow diagram, which I'd never really done anything. And I know there's proper nomenclature and symbolism and all sorts of stuff in drawing one. I didn't know that, so I just did my own thing. But it really was cool because it helped me tremendously see it, understand what goes to what. And we revised that signal flow diagram. Oh, jeez, I don't know, seven or eight times, probably. Speaker C: Yeah, probably a lot more. Speaker B: A million times. : I think it was the blend of having the signal flow diagram so you could really see what was exactly going to happen combined with the mockup of the final device so you could get an imagination of how it was really going to work in the field. I think we really came up with something that fits sentrins in the sense that it fits, obviously, the form factor, but it's super flexible and unique. You're not finding this absolutely any other interface. : No, I think it'll continue to be unique because it is so purpose built that other manufacturers will look at it and go, why? Speaker C: That's right, exactly. Speaker B: Because there's nothing else out there that's been purpose built for voiceover artists. I think that was the initial motivation. For years, voiceover artists have had to take stuff that's built for music, for music engineers, and rework it to make it for voiceover. : And it seems like this is such a niche industry that a larger manufacturer might not necessarily see a lot of business potential there. So I think that was a good match between our size being a smaller company and then a market being smaller that we were like, okay, that makes sense. : I think you see that in its price point. Speaker C: Yeah. : Someone who's looking at it really basically goes, I can get a two channel USB interface, two microphones USB interface for $100. : No, this is not that. : If you see that in there, then you're not seeing what this is. Speaker A: Yeah, it's not for you. There's almost like when you set something at a price point, you're trying to give a very clear, I mean, not only you're saying that it's worth it, obviously, but you're making a very clear statement that this is priced for professionals and it's worth every penny to a professional who will understand the value. And we've already had people stand up and say, I believe it. I see what you're saying. And they've blunt down the cash. : And let's be honest, for a working voiceover professional, not everybody, of course, but a lot of those guys can make that much money in 15 seconds. : Pays for itself in one gig. Speaker A: That is true. Speaker C: Exactly. Speaker A: We knew that pricing was going to be tricky, but we also knew that we had a restricted space in which we had to work. We wanted the value to be there. But we also have to make a profit. Michael has to make a profit. We had ideas that would have driven the price even higher quite a bit that we could have implemented, but we didn't want to do that. There's a certain point where we thought, let's keep it under that. : Well, I remember one was how we handled the, and this is actually something I have a question with, with the English Channel, we wanted to make the passport flexible enough to use an external preamp instead of the built in one. And I know that was important to Andrew. And one of the things I find with the English Channel is that when you come out line level XLR and you go into the courtcaster, turning the courtcaster down is not enough. You got to pad the other stages beforehand to get it because you're kind of feeding a mic pre into a mic pre. And I remember that was one of the things where we had to accept that we were going to go through that chip, if I remember right, and we didn't get a pure bypass of. Speaker A: The mic because that was going to raise the parts count and the cost in other ways. And it was such a, the switching, it was something where it was going to add cost to make a very small percentage of users. : It would not have made a difference to most users. Speaker C: But even based on that, I have to say that if you look at the new Neumann interface, how much is that thing? : Like one, $200, right? Speaker C: No, more than that. It will be like over 2000 us. : 18, from what I understand. : 18, yeah. I'm sorry. And it doesn't do as much as the. Speaker C: And also when you're talking about having, bypassing the internal preamp, it doesn't. : Oh, really? Speaker C: It doesn't. Like, nowhere on that new Neumann interface can you bypass a preamp. Speaker A: Fascinating. : I would wonder if that's a subject of pride. We give you the best preamp in the land. Why would you want to bypass that? Speaker B: I would suggest that would be the case, yeah. Speaker A: Well, the irony is that they sell a preamp like they sell a very expensive preamp. Outboard preamp. So you would think that they would have that. : Do you want to know what device that is? It's the reincarnation, it's the perennial. It's like a locust that comes out of the ground every eight years. And the last one that emerged out of the ground was the mini me. Speaker A: The mini me from Apigee. : The apigee mini me. Yeah. Badass preamp. Badass converter. Speaker A: Yeah. And soft clipping. : It had that limiter but really expensive interface that's just going to. I'm expensive. I'm going to be the best kind of thing is what it's trying to be, but it's not flexible. : Mini me is not a convincing name. Speaker A: If that movie hadn't come, I'm sure. : When that movie came true, but really, the mini me, it wants to be the original ad 1000, which I have several of those. And those are great. : Yeah. Speaker A: But they don't use Firewire or USB. Right. : The mini me, I believe, is USB. Speaker A: Are you sure? I don't think so. : I'm pretty sure it runs as USB and a separate pre, but I don't. Speaker A: Think it has any protocol. See, that's the thing. As soon as you add a protocol to the unit, like a USB protocol, a firewall protocol, you're now dating your product. It is now locked in time. It's now going to be obsolete at some point. Speaker C: Correct. Speaker A: Like this happened. Firewire. Actually, Firewire just became officially obsolete with, I think, Ventura, if you have a Firewire device. : So even if you have like a firewired, a thunderbolt adapter, it doesn't matter. Speaker A: They dropped off the protocol. It's gone. Poof. : Well, the lightning jack is about to go the way of the dodo. Speaker A: Yes, that's right. : Really? : Because of Europe. Speaker A: That's a whole other can of worms. Right, Michael? Because I know you spent a long time dealing with the lightning port and the. What is it called? Made for Apple MFA? : Mfi. Mfi. Made for iPhone. Speaker A: Right. Made for iPhone. And wasn't that like a major stumbling block to getting the first mixer face built and designed? : Correct. We started down that path in our hi fi devices because we wanted to make these headphone amplifiers that plugged into the phone because a lot of people started moving their music collection onto the phone and using the phone as the playback device. And then that kind of translated into recording products as well. So Apple decided to keep that walled garden ecosystem all to themselves. And then as a manufacturer, making a peripheral device, a product that would interface with the Apple iPhone, iPad, et cetera. You had to go through a lengthy bureaucratic process to establish yourself as a registered developer, essentially in the MFI ecosystem. And they policed that hard to the point. I mean, it got ridiculous. So the lightning jack actually is quite sophisticated. There's a chip inside and that chip has a serial number, a laser etched serial number inside. So every lightning jack in the world has a unique serial number. Believe it or not, this information is less relevant now. But it used to be relevant before. So what had happened is if there was a cable, a lightning cable, lightning to USB, that was not made per spec, any cable that you made as an MFI manufacturer had to be certified by an Apple approved lab and it had to do all the things that a lightning cable had to do. : It was very annoying when they started. : They enforced it all the time. And then what they ended up doing is there's been a plethora of chinese cables that were not approved. So Apple was able, because they actually had control over the chips inside of the lightning checks, they were able to remotely disable cables. Speaker A: Wow. : And then we still get these calls. It's like, man, I plug this lightning to USB cable into your product and it doesn't pass audio. It's your product. No, it's the cable. That cable just hasn't paid the fee. And by the way, you had to pay the fee to Apple. If you were MFI developer, the manufacturer of that cable either didn't pass the test or didn't pay the fee or whatever and their cable had been remotely disabled, which is bizarre. But that went on for a while and after a while we were know we're too small to be able to deal with this because there were like constant updates. : So then you just have to get your own interface adapter so you couldn't plug straight into the phone anymore. You had to have some stupid dongle so Apple could get their fee. : They got their fee one way or another. But now, thanks to Europe, it's just going to be USBC and the whole lightning adapter is no more. Speaker A: Oh, so let me ask you, this is the MFI certification, whatever you want to call it. Is that now dead because of USBC or is it still in there somewhere? : There is no special communication happening anymore because USBC is supposed to be generic. You had to announce yourself and you had to be in the database and that's how they tracked you essentially. But now there is no communication there. And then, so now it's just like a Windows machine. You plug a peripheral, a USB peripheral into a Windows machine. And if it's a generic peripheral, it pulls up a generic driver and knows what to do, knows how to work with it. With Mac, it's been like that forever. And they've written great drivers, a lot better than Windows. So that any audio interface, you plug it into a Mac, it works right away. Speaker A: Yeah, as long as it's core. What do they call it? Compliant or core audio compliant? : Core audio. Core. Audio compliant, right, exactly. : And then. So it's going to be exactly like that with the iPhone and iPads. Been like that with the iPad for about a year now. So just one less hurdle to jump over, which that's progress. Yes. And that's good, because we had this conversation the other day when you were coaching me on how to make the proper connections here, and I was pulling my hair out, trying to get things working, and I realized that it works in this environment, not in that environment and all that. Speaker A: Oh, my gosh. Honestly, when I was writing that, I went down the rabbit on the developer page of Apple. Right. To understand better how the system works. And there was like seven distinctly different and unique modes of operation. : Because it's trying to make all these decisions for you. It's like, can we interrupt this phone call? Can we interrupt this movie? Speaker A: Right, right. Oh, my gosh, it is so complicated. : It is pretty annoying. Speaker A: It's all complicated on the developer side so that you, the user, don't have to think about it, but they make those decisions for you. And that's what runs us into trouble as pros. I wish, again, because of iPhone 15 Pro and the new chipset, maybe this is going to change. But yeah, I wish we could really control our devices and say, I want to use this as the input. I want to use that as the output. I want to send this over here. : On the Windows side, there is this protocol that's been around for a while called ASIO. ASIO is the one that is direct to device. It was developed that way a long time ago. : It was made by Steinberg. : Yeah. And that would not be interrupted if you're playing a YouTube video or phone call comes in. Your session continues to be solid. Nowadays. : The problem with ASIO is that it can't share very well. : The whole point of it is that you shouldn't share. It should be like point to point, indestructible. You know what I mean? : On the macOS, it's got it with core audio where it shares it just fluidly yet. And the only thing that you have to make sure of which is the same with any situation is you just keep. If I'm sharing it, we have to agree on what sample rate we're going to be at. The device can't be at more than. Speaker A: One sample rate, but there's still weird stuff on the Apple side. Where is the volume up and down button on the keyboard going to change the output level of my device? : Exactly. Speaker A: I don't know. Is the gain, input gain setting on Mac OS going to be effective on the input level? : Or would that be if that device is set as the output in system preferences, then your knob becomes a control if that device is controllable. Not all devices are controllable. And you'll see that some of them, if you select them as the output, the slider becomes grayed out. Speaker A: But who decides that? The manufacturer of the device, the writer of the driver or the Mac audio. : Stack or whatever, that's the device. : In reality, it's everything. It's a little bit of both. So some decisions Apple has to make, some decision manufacturer tries to make, but then Apple could reverse those decisions at their own volition. Anytime you have a competition between a whole bunch of sound sources, like phone movie playing, another movie playing in this other window, and then your audio thing, the system has to decide what's the priority, which of these programs really has to be streamed and which other ones have to be muted, or do you want to just mix everything together? Which is kind of madness, right? Speaker A: Yeah. IPhone does some weird stuff like, I know we're going down a rabbit hole. : It's very useful. It's like the way a Nexus device works. They're like patch cables. And if you send two devices to go out the same patch cable, it just mixes everything together. The Wasopi Windows driver is a little bit more flexible and a little bit more core audio like than mixes. : It mixes everything, and they worked hard on doing that. Here's a problem, because it has to mix so many different streams, again, from these movies and radio stations and everything else that you could be listening to and watching at the same time in the same Windows computer. What they do is they have to align the sample rates from all these different sources. The process of aligning the sample rates results in a delay in latency. So that's completely inapplicable to music recording. Robbie would know about that. And then, so if you're watching a movie and the sound comes in 30 milliseconds later, you don't know it. It doesn't matter if you're recording music and sound comes back 30 milliseconds later, it ruins the take. : So I wonder if the latency in Wasapi is similar to the latency in core audio. Because anything that's native, every audio engineer knows it's more. : It's a lot more. In Wasapi, core audio is just very well tuned. : It's like Wasapi and fast. It's like Wasapi and ASIO combined in a way. : Wasapi generally introduces delay, and it introduces a lot of convenience at the price of the delay, whereas ASIO is as little delay as you can have. So essentially, the delay through the computer is about two milliseconds each way, and then the rest of it is the interface. But it's point to point. There are no decisions to make, so there's no pausing to think whether we should do it this way or that way. That's the beauty of ASIO, and core audio is very much like that. Speaker A: Since we're talking about Windows a little bit, is it too early for you to tell us, Michael, when you connect the passport Vo with its two USB buses or two USB interfaces to a pc, is the best choice for the user, in most cases going to be, what do they call it? Mme or Windows classic wave driver or direct sound. What's going to be the optimal setting? Do you think? : Wasapi usually is the best if you know what you're doing and you're not sending several different streams into your interface? Speaker A: Right, right. And you won't be, because with this design, each USB bus is basically a simple two in, two out. Exactly interface. Right. So the hardware, all that mixing that we try to do with software, and sometimes not very successfully, is being handled in the analog domain or internally inside the unit. : Right. Speaker A: So we don't have to even worry about that anymore. : That was a very smart idea or path. : That's the beauty of it. No drivers? No, yes. Nothing to. That's the goal. : Yeah. You could have two separate applications running at the same time. One could be sharing applications such as source connect. The other one can be a recording application such as DAW, local DAW. Speaker A: And then Adobe audition is a popular choice on Windows. : Those applications could actually meet inside of the device, inside of passport Vo, and not really conflict with each other as they would be if you were trying to mix inside the machine. : This is why we did it, because on Windows, this ability to have two applications use the same device at the same time can cause huge tech support issues. Huge. And one approach is to basically have someone like George help you out and figure it out. Going into drivers and turning them off of exclusive mode and things like that. And then crossing your fingers that it works. Speaker A: No, I have. Mike McConaughey will do that. I won't touch that stuff anymore on Windows. : Or just do it this way and dedicate one interface to one application, the other interface to the other, and then do all your cross patching and your blending and the analog domain with. : That's unique. Nobody else does that, right. Speaker A: And that internally. Michael, just to make that really clear, it's an analog signal path, that's all. It's staying completely analog? : Yes. It's an analog mixer which has two inputs which happen to be digital streams from the computer. Speaker A: But they've been converted from digital to. : Analog to analog and become analog. Mixing in analog introduces zero latency. It's that old technology. We're going back to the british invasion. And it's seamless, essentially. There are no conflicts when you're mixing an analog. Speaker A: Yeah, no sample rates to coordinate. : George? It's a bit like when you use the Bering interface to plug externally back. Speaker A: Into someone else's problem solver. : It's that, but it's all in the box with knobs and switches to control it. Instead of like, you could have your. Speaker A: Doll running at 24, 96, maybe 24 bit 96. And you can have your zoom or source connect running at whatever the heck the client wants, sample rate it needs to be. And they will not step on each other's toes at all. You don't have to worry about that. : Yeah, that's completely transparent in the analog domain. So I think that was a brilliant move. Speaker A: I can't wait. That's such a cool thing. : Hey, listen, I can't wait either. So a small development on that front. I know everybody wants to know status. As mentioned before, we have three separate paths here. And we're about to choose one with regards to the actual USB chip. So I've laid out all of the analog circuitry. It's already done. So all that mixing that we've just talked about, that's all already in the design. Speaker A: Cool. : It's designed and it's waiting to be prototyped. I am pausing and not sending this to prototyping because there's one additional block that needs to be finalized. And that block is the USB portion of the design. Actually, there's two USB portions of the design because, as we just said, there's two USB ports and there's two different computers that you could connect this thing to at the same time. And then it would then blend between the signals from those two computers. So for the USB chip that goes inside of there, the two USB chips, we learned recently, unfortunately, that the chip that we've been using for like twelve years or so is now out of production. And the manufacturer does have a newer version, but it's larger and more expensive. But larger part is more important here because, yes, we do have that small box and it just wouldn't fit. So we started a big search for another chip. We found a manufacturer in Taiwan, which is a smaller manufacturer, and it makes a chip that is smaller also. And that seems to fit the bill. But we wanted to make sure that we kind of wanted to vet them. Speaker A: Yeah, you don't just slap any random chip in there and hope for the. : You know, it's like a couple of guys in an office. Are you going to be around next year? So I have a friend in Taiwan who visited them yesterday and sent me a lengthy email. Anyway, so he visited them. He lives in neighboring cities. It's an hour drive for him, not that big a deal. So he popped over and he had a meeting and he said it was a very pleasant conversation. Taiwan is where they make all of the chips pretty much in the world these days. So they use a couple of foundries. Foundries. A plant that makes chips. And then, so they use two very reputable suppliers for that. And everything is well tested. I was like, do they test these things? How's the reliability? Do they have any large customers? Turns out this company is not well known in America, in the west yet, but they are known in China, and they're shipping significant volume into China. So I think there's the reason to believe that it's going to be a reliable supplier. And so my friend there in Taiwan who actually works for large contract manufacturers, like, yeah, you should go ahead and work with them. Not a problem. I don't see a problem. Speaker A: Milestone moment right here, folks. : Just happened to yesterday, as a matter of fact. So we're like, oh, okay, well, then, thank you. So we're not concerned about their longevity and all that. So there was also a third path, which was there's still a stock available of the old chip that's gone out of production and we can put that in there. But that would just kind of be a step backwards, putting something in the product that you know is not going to be made anymore. : Are there any features on the new chip? Like, it goes up to 384. : It does. : Does your taxes. : It does do your taxes. That would be important. But the 384, I think less so I'm joking, of course, because who needs 384 in real life? Audiophiles love their 384. Except there's no content to play. But you got to buy your DAC. : It's the album of mouse farts. : To each his own. Speaker C: Yeah. Speaker A: One other thing I want to touch on before we wrap it is I also know that you have invested in a rapid prototype, or what would you call it, a prototyping. : You can make your own boards now. : Right? It's a pick and place machine. That's the official name. Speaker A: Pick and place. Got you. : Yeah. Electronic components these days don't go through little holes in the side of the pc board. Instead, they're planar. Yeah. They're just put on the surface. And some of these components are smaller than 1 mm by 1 mm. They're really tiny. Speaker A: Yeah. : And then it used to be ten years ago that they're larger. Maybe three, four, 5 can actually use tweezers and just put them on the board yourself. It'd take forever, but you could do it right. And then you'd put this whole board with all these components that you just very carefully put on the board, and you would put it inside of an oven and heat it up for about ten minutes. There'd be a particular heat profile, and that would solidify all of the solder and then connect all the components together. And after you had a board for prototyping, that was a thing to do. Nowadays, components are so small that even if you have a magnifying glass, if you partied the night before, your hand is not as steady anymore. So therefore, assembling these things. And I'm not saying that people should not party, but it kind of puts a cramping your style anyway. So this automated pick and place machine that we have now does that for you. It's a robot, and it just kind of like, has a tiny little suction cup at the end of a needle. So it just moves over the hand, moves over to where you have your components on a reel. They're in a bobbin. This is reel. And it just picks one up by applying a little bit of suction, kind of sucks it out of the reel and then moves it to an appropriate place on the board and just kind of releases gently. And it can handle things that a human hand cannot handle. So from that standpoint, it's a huge benefit. And it actually does it fast, and it doesn't party the night before, from what I know, it doesn't ask for. : Raises and it doesn't. : Yeah. Speaker A: So I have so many questions. I mean, I'm dying to see one of these working in action. I'm sure I could probably find it on YouTube. But how long does it take to populate a board that would go inside the mixer face or pork? : About ten minutes at this point. Speaker A: Wow. : Whereas if you do it by hand, you're probably, like, at it for a couple of hours. Speaker A: Oh, my gosh. Yeah. : And you're developing cramps. : When does it get to the point where it's like, just by order? When does it get to the point where you can make your board, you can assemble your board, you've got a 3d printer. Because I really like the case for the english channel. A lot of manufacturing is like, okay, we're going to make a product, and then there you have 60,000 of some plastic thing, and then maybe they sell, maybe they don't, and you just have a lot of extra waste and they're done. Here's like making these things as needed, right? : 3D printing. Yeah, we make everything for order, and we've been sheepish about it for a while until we got to the point where we figured out how to make it look good and also make it reliable so it doesn't break. So these 3D printed parts at this point are completely usable. I mean, they're not toys anymore. They're functional pieces of mechanical design. And we love that because we can change colors. You can get the tray, the commander console, we call it, for the english channel. You can get it in lime, lemon, red, blue, white, black, whatever, gray. And this is so easy for us to do otherwise we would have to order thousands of each color and then store them somewhere. And now we just have these reels of filament, which is this just essentially plastic out of which everything's being made, and then we can make them to order. So that's really great. And then as far as how long does it take? Well, the box that we make everything in is still aluminum. So that box, fortunately for us, we make a lot of different products inside that same box. So we can order it by a boatload from the manufacturer because there is a minimum order quantity. But we figured that we will go through the entire order because we will put different products in that same box, and that way we can afford to buy a whole bunch at once. Speaker A: So one more board thing is amazing. So after you've dropped tiny, tiny little components over this little board, so is that the point where it goes into the oven? And how do you keep the little tiny, tiny, tiny pieces from moving around. : You squeeze paste, solder, solder paste, the official name. You squeeze a layer of this gooey. It's just like toothpaste, but it's dark gray. And it has the property that when you heat it up, it solidifies and it becomes metal. But basically you get a stencil, which is this thin metal plate. Steel plate, very thin, less than a millimeter. And then holes for the components are laser cut inside of that steel plate. And then you put that steel plate over the board, line it up correctly, and then you use a squeegee to essentially squeeze that paste over the stencil. And then where the stencil has the holes, the paste drops through the holes onto the pc board and then forms the tiny little squares in appropriate places. Then they're a little sticky, just like toothpaste. And then when a component drops onto these two squares, for example, if component has two pins, right, it kind of gets stuck in the paste and it doesn't move. And then you can handle the board. I mean, you don't want to throw the board because the components will fly off. But if you carefully handle it and carefully move it into the oven, then the components will not move. And then what actually happens in the oven is a beautiful thing due to surface tension. Essentially, the components, once they heat up, they line up because the tiny little solder bolts. So essentially you have liquid metal at that point. If you remember the movie terminator, there was this other terminator guy that was essentially made out of liquid metal, and he could reassemble himself at all points. Remember that? Speaker A: Oh, yeah. : T two. Yeah, that's liquid tension is like when liquid gets together, it just kind of just forms this one thing wants to make a ball. Wants to make a ball. And that is what allows these tiny little components to get soldered to the pads in a very even sort of glowing pattern where all the solder gets utilized and none of it is left around because it all kind of tenses up and kind of sucks into one bowl in each little pad. Speaker A: That's cool, man. Thanks for describing that. That's really neat. : Michael, I actually had one quick question with the faces. Can you cut your own faces right now? : When you say faces, what are you referring to? : Like, all your pieces are made out of the same metal, sort of two pieces of metal. : Oh, I understand. : And right now, they always have the same four outside screw holes to hold them together. But then on the top of it, there's different holes for different knobs. And what I'm asking is, do you need to make seven holes in this one, three slots for a different switch. And you're able to do that all at your place now. I mean, could you theoretically just. : No, we still do it at a supplier, but. Good question. Yes. So the official term for this is platform strategy, is when you can make a lot of different things out of one thing. Another official term, if you want to keep going with the MBA speak. Design for postponement is what we're using here, if you want to be official about it, which means that you can make the decision on what the heck it is that you're building at the very last step. Right. Which also allows 3d printing is the same thing. You postpone the differentiation of the product, and then you can actually choose what you're building the day when you ship that thing. Right. Toyota has pioneered that in the 80s where with the whole just in time strategy and all that, because they were able to reduce the amount of stuff that they held at their warehouses, which were huge anyway. So what happens with these products is, on top of the product is this plastic overlay. It's actually a sticky sticker. Yeah, it's a thick sticker made out of polycarbonate. It's a polycarbonate overlay with an adhesive backing that we very carefully lay in this existing hole. And then that sticker we print. And then, fortunately, we have a supplier who doesn't want us to print thousands of them. They can print 100 at a time. And then those stickers themselves are not that expensive. And therefore we can get 100 stickers of each product and then essentially put the sticker on the product. The day we assemble the product and the day we ship it to the customer, which allows us to be a lot more flexible than a traditional manufacturing plant. : So then if you have the ability to drill your own holes and slots at some point, whatever CNC machine that. : Is, we have that. Speaker B: There you go. Speaker C: You do. : I haven't let you into the warehouse yet. You should come back. : I'd love to. Speaker C: Yeah, he's on his way. Speaker B: He's leaving now. : And on that note, as Andrew would say, yes. Speaker A: Well, that was fun. : Is it over? Speaker C: The pro audio suite with thanks to Tribut and austrian audio recorded using source Connect, edited by Andrew Peters and mixed by Robo. Got your own audio issues? Just ask robo.com tech support from George Thetech Wittam. Don't forget to subscribe to the go and join in the conversation on our Facebook group. To leave a comment, suggest a topic, or just say, g'day. Drop us a note at our websiteprodiosuite.com.

In this episode, I talk to Dean Newlund about leadership and the importance of follow through. Ready to dive into some transformative insights?Guest Introduction:Now, let me introduce you to Dean Newlund. With over 30 years of experience, he's the powerhouse behind a niche training and development company, Mission Facilitators International. Dean specializes in propelling leaders, teams, and organizations not just towards growth, but in executing strategies with surgical precision. Think strategic planning, culture change, executive coaching – the whole shebang.MFI has over a dozen professional consultants, coaches, trainers, and strategic planning facilitators. Unlike most other firms where consultants work alone with their clients, MFI members often work as a team to facilitate growth for leaders and organizations. Today, Mission Facilitators is a respected company, having worked with scores of Fortune 500 companies, nonprofits, educational institutions, and family-owned companies nationally and in 19 countries. Grounded in age-old wisdom, modern-day learning models, neuroscience, business acumen, organizational development, and consulting, their approach has helped companies increase sales and engagement, create high-performing teams, cultivate leaders and improve company cultures. Dean is a skilled consultant, facilitator, coach, trainer, speaker, and author. For years he had a weekly column on leadership at the Arizona Republic Newspaper. He's authored dozens of articles and white papers and has presented on the TEDX stage in Bend, Oregon, in 2019. And he also has a popular podcast called The Business of Intuition. Dean wants to change the world grounded in these beliefs: that when we understand our purpose, acknowledge our truth, honor our intuition, and forge genuine connections with others, we all have the power to transform our lives and the workplace. And as each person cultivates new mindsets and new skills, the fabric of our society is gradually repaired.Leadership & The Importance Of Follow Through: Key Takeaways:Strategic Planning and Execution:We're starting with the nuts and bolts of strategic planning. Dean stresses that it's more than just the plan – execution is the real game-changer.Stay vigilant on follow-ups, dashboards, and measurements for execution that truly packs a punch.Slowing Down to Speed Up:Dean imparts the wisdom of slowing down to speed up. Connect the dots between strategic planning and stepping off the hustle treadmill. It's about finding clarity in the chaos.Decision-Making in Execution:Let's delve into decision-making during execution. Dean spills the beans on defining roles and responsibilities and throws in a savvy trick – a 1 to 5 scale for team decisions. Brilliant, right?New Ways of Being:Dean introduces the concept of "new ways of being" in executing a strategic plan. It's not just about ticking off tasks; it's aligning your culture with the grand plan for that sweet success.Culture vs. Strategy:We're tackling the evergreen debate of culture vs. strategy. Dean emphasizes you can't have one cannibalizing the other. Aligning your organizational culture with your strategic plan is the secret sauce.Continuous Learning and Adaptation:In a world changing faster than you can say "coaching," Dean advocates for being structured for learning. He spills the beans on learning from mistakes during execution – because who said learning has to be all rainbows?Key Quotes:"Execution is as important, if not more important, than the plan itself.""If you're feeling the grind, you need to slow down to speed up.""Decision-making is a key part of execution; decisions either...

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