Podcasts about MID

Click HERE to learn how to earn $10K/month in rental income & access 50% discount on RTR Academyhttps://landing.renttoretirement.com/evg-masterclass-replayThis episode is sponsored by…BLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders athttps://bluprinthomeloans.com/renttoretirement/BAM Capital:Get access to premium real estate assets with BAM Capital. Rent to Retirement's preferred multifamily partner.https://bamcapital.com/rtr/In this episode of the Rent To Retirement Podcast, hosts Adam Schroeder and Zach Lemaster sit down with real-estate investor and full-time firefighter Karl, who shares a remarkable journey shaped by life-changing events, disciplined action, and the pursuit of financial freedom. His story is a powerful roadmap for anyone balancing a W-2 job while building a real estate portfolio.Karl reveals how he:• Turned a triplex into a profitable mid-term rental• Scaled into Airbnb using systems, cleaners, and automation• Leveraged bonus depreciation to offset W-2 income• Built a deal pipeline through consistent networking• Navigated a difficult syndication loss—and what every investor must learn from it• Closed a fix-and-flip using none of his own money• Plans to grow into boutique hotel investingWhether you're a new investor, a W-2 earner seeking financial independence, or someone considering short- or mid-term rentals, Karl provides actionable insight, transparency, and motivation to take the next step.⏱️ TIMESTAMPS00:00 – Introduction to Karl & his investing journey00:39 – Karl's first deal: Triplex → MTR opportunity 01:57 – The life-changing event that shaped his “why” 03:34 – Becoming a firefighter & treating real estate as a side hustle 05:16 – Closing multiple deals & using real estate as a safety net07:15 – How STR owners can deduct against W-2 income with bonus depreciation08:31 – Mid-term vs short-term rentals & building systems for automation10:06 – Cleaners, maintenance teams & messaging automation tips11:49 – Pivoting into Airbnb & how professional design doubled bookings13:56 – Increasing ADR & turning $1,000–$1,200 rents into $2,300–$3,000/mo18:33 – Karl's syndication experience: vacancies, management issues & loss22:20 – Risks of syndications vs owning real estate directly27:17 – How to analyze deals without paralysis30:22 – Advice for W-2 workers getting started31:43 – Building skills, using mornings, and finding mentors33:21 – The value of networking & how it led to funding a deal overnight38:02 – Karl's 2025–2026 market outlook39:31 – What's next: Boutique hotels & scaling STR operations40:55 – Closing thoughts & how to share your story on the podcast

I sat down to record a love story- ours.Not knowing I would also capture the moment it ended.This episode holds the beginning and the breaking.The tenderness and the shattering.The memory and the message.Mid-recording, a text came through that changed everything.A goodbye I wasn't prepared for.A sentence that closed a chapter I was still writing out loud.I didn't stop the mic.I didn't hide the pain.I read it- on air- and you hear me break.This isn't polished.This isn't edited.This is heartbreak happening in real time.If you've ever loved deeply,If you've ever been blindsided,If you've ever felt the floor drop beneath you. You'll hear yourself in this episode.Just a woman telling the truth about love, loss, and the moment a future disappears.This is the audio diary I never planned to record.And maybe the one I needed to.To the man- “You can fuck all the way off”Follow Jessica on IG: @jessicasmith.love

Donovan Pyle, CEO of Health Compass Consulting, is on a mission to revolutionize how businesses manage healthcare benefits. Drawing on experience from both the carrier and brokerage sides of the health insurance industry, he uncovers the hidden inefficiencies costing companies time and money. Donovan is also the author of the forthcoming book Fixing Health Care: How Executives Can Save Their People, Their Business, and the Economy, sharing bold strategies to transform healthcare and drive real results.Please learn more about Donovan Pyle at www.healthcompassconsulting.comOn this episode of Mr. Biz Radio, Ken “Mr. Biz” Wentworth sits down with Donovan Pyle, CEO of Health Compass Consulting, to reveal how smarter healthcare strategies can transform business performance. Donovan pulls back the curtain on hidden inefficiencies in traditional healthcare plans and shares how leaders can turn benefits from costly obligations into strategic advantages. His real-world insights make it clear: healthcare doesn't have to drain your budget—it can fuel growth.Key Takeaways:-Businesses can save significant sums, reducing waste equating to $4,000 per employee per year by addressing inefficiencies.-Obtaining unbiased advice is crucial for uncovering opportunities within the complex healthcare benefits landscape.-Businesses must focus on transparency, data analytics, and strategic alignment with broader business goals to maximize healthcare program effectiveness.-Mid-sized and smaller companies have a unique opportunity to distinguish themselves by engaging effectively with their healthcare strategies.

Scott Smith: Using MIRO to Build a Living Archive of Learning Read the full Show Notes and search through the world's largest audio library on Agile and Scrum directly on the Scrum Master Toolbox Podcast website: http://bit.ly/SMTP_ShowNotes.   "We're in a servant leadership role. So, ask: is the team thriving? That's a huge indication of success." - Scott Smith   For Scott, success as a Scrum Master isn't measured by velocity charts or burn-down graphs—it's measured by whether the people are thriving. This includes everyone: the development team and the Product Owner.  As a servant leader, Scott's focus is on creating conditions where teams can flourish, and he has practical ways to gauge that health. Scott does a light touch check on a regular basis and a deeper assessment quarterly. Mid-sprint, he conducts what he calls a "vibe" check—a quick pulse to understand how people are feeling and what they need. During quarterly planning, the team retrospects and celebrates achievements from the past quarter, keeping and tracking actions to ensure continuous improvement isn't just talked about but lived. Scott's approach recognizes that success is both about the work being done and the people doing it. When teams feel supported, heard, and valued, the work naturally flows better. This people-first perspective defines what great servant leadership looks like in practice.   Self-reflection Question: How often do you check in on whether your team is truly thriving, and what specific indicators tell you they are? Featured Retrospective Format for the Week: MIRO as a Living History Museum "Use the multiple retros in the MIRO board as a shared history museum for the team." - Scott Smith   Scott leverages MIRO not just as a tool for running retrospectives but as a living archive of team learning and growth. He uses MIROVERSE templates to bring diversity to retrospective conversations, exploring the vast library of pre-built formats that offer themed and structured approaches to reflection. The magic happens when Scott treats each retrospective board not as a disposable artifact but as part of the team's shared history museum.  Over time, the accumulation of retrospective boards tells the story of the team's journey—what they struggled with, what they celebrated, what actions they took, and how they evolved. This approach transforms retrospectives from isolated events into a continuous narrative of improvement. Teams can look back at previous retros to see patterns, track whether actions were completed, and recognize how far they've come. MIRO becomes both the canvas for current reflection and the archive of collective learning, making improvement visible and tangible across time.   [The Scrum Master Toolbox Podcast Recommends]

Thanks to Garmin for supporting the podcast!  00:00 Garmin ad: Jimmi's Rookie Error 01:00 Gym gains & Greggs pub 05:50 SRAM battery hack you should NEVER try 08:57 Mid-range bikes that are cool? 12:36 Campagnolo promises mid-tier groupset amidst mass lay-offs 25:40 People are angry at Specialized 31:56 Tour de France stage winner caught 5 times over drink-driving limit 32:39 4 ways we make winter fitness more enjoyable 46:56 Jimmi's £200 DIY Fluff up 49:34 Unpopular Opinion: e-shifting is for people who suck at basic maintenance 53:26 Send us your Unpopular Opinions and Questions! 53:39 FINALLY answering your important questions You can check out the video versions of the podcast, plus more videos from Cade Media here: https://www.youtube.com/@Cade_Media/videos If you'd like us to send in a question, story, some good news, things you'd like us to discuss or anything else, email us at wildonespodcast@cademedia.co.uk Thanks and see you next time. Hosted on Acast. See acast.com/privacy for more information. Learn more about your ad choices. Visit podcastchoices.com/adchoices

It's conference championship week and chaos reigns on Tailgate on the Quad! Ciarnan returns and joins Kev to break down explosive coaching changes, with Lane Kiffin's dramatic LSU move front and center. The episode dives deep into the ripple effects at Ole Miss and Penn State, the fast-paced coaching carousel, and which schools came out as winners and losers. The hosts dissect playoff rankings, debate Texas, Alabama, and Notre Dame's chances, and offer bold playoff predictions.  Check out our socials: https://linktr.ee/QuadGate 0:00:00 – Welcome, shoutouts, and conference championship week intro 0:06:00 – Lane Kiffin drama and NCAA chaos 0:12:00 – Ole Miss promotes Pete Golding; coaching stability talk 0:18:00 – Penn State's coaching search struggles 0:24:00 – Coaching carousel: winners and losers 0:30:00 – Big-money contracts and Jimmy Sexton discussion 0:36:00 – Iron Bowl recap and Alabama's issues 0:42:00 – College Football Playoff rankings breakdown 0:48:00 – Playoff predictions and bold takes 0:54:00 – Conference championship betting picks 1:00:00 – Mid team season wrap-ups and the “curse” 1:06:00 – Luke Fickell's buyout list and episode close

Mid-year IEP revisions don't have to be stressful. Learn how to review student progress, adjust goals, and revise services with ease using templates and team input. Body: The holidays are approaching—and so are mid-year IEP reviews. In Episode 292 of Be The Exception, Dawn shares practical strategies for updating IEPs based on Q2 progress and real-time data. Learn how to: Know when to revise an IEP mid-year Use academic + behavior data to guide changes Collaborate with your team to make smart service adjustments Use amendment templates to save time

....and he's back! Your host Andy, Ant and Dun take a look back over the action from Thanksgiving week - Contrasting fortunes at Blackburn and Norwich - Change might do us good- The definition of insanity is making the same mistakes and expecting different results at set pieces- but at least we're not Sheffield Wednesday- 6 from 9 is a decent return - Mid table progress/mediocrity (delete as applicable)- Jeepers Keepers. - Thank you Paul Furlong (For everything)- Tylon Smith and Richard Kone (?) called up for AFCON- Save the date: 20th December QPR NYC Christmas Party - Save the dates: 23rd & 24th January - Can't say yet, but it's really really really great!- It's beginning to look a lot like Christmas (in Rockerfeller Plaza)- The Village People, Robbie Williams, Kevin Hart, Donald J Trump. Why, it must be the World Cup draw...Or a terrible wedding reception- QPR NYC failed our casting call...We have to wait for our big break- KIT KORNER: Attack of the Paperclips- Predictions. Cans opened?- Predictions. Lyndon's coming home. You know what that means...- Double the games, double the stanzas- Pies, and families and Football Factory Christmas Parties. Lovely Stuff!- Where to watch when....The December fixturesPlease rate, comment, review where ever you listen to your podcasts.PS - Thank you to the 42 of you who has QPR NYC as your top podcast in your spotify wrapped! You are all have incredible taste!

A single sentence can change a career. We open with a real-world case: a shuttle driver on SFU property tells a flagger she's “unbelievably beautiful” and suggests modelling. Security documents the exchange, the university issues a campus ban, and the employer fires him. He then pushes for the complainant's identity under FOIPPA, arguing that the decision-makers needed complete, accurate information. We walk through why FOIPPA binds public bodies but not private companies, how section 28 actually works, and why the court said disclosure wasn't required when the driver admitted the key facts. Plus, we flag the sting in the tail: special costs when you sue the wrong parties.From there, the stakes rise. Mid-trial in Vancouver, a mother asks to relocate her eight-year-old to Thailand. The judge says no on best-interests grounds. She leaves anyway, hides her location, and starts a case abroad. We explain how habitual residence anchors jurisdiction, why the Hague Convention exists to stop jurisdiction shopping, and how credibility findings—false affidavits, financial misstatements—reshape custody, support, and costs. The practical takeaway is stark: unilateral moves during active proceedings invite severe legal consequences and can fracture future parenting arrangements.We close with the Lytton wildfire class action. Plaintiffs allege a passing train ignited the fire; the defendants point to onboard video, sensors, and clean inspection data. The court certifies the case, clarifying that the standard is some basis in fact, not proof. Timing, location near the tracks, tinderbox conditions, and a supportive expert opinion clear the threshold. Certification doesn't decide liability—it ensures a fair, efficient path to test common issues, expert evidence, and causation at trial.If you value clear, no-spin explanations of how law affects real people—from campus discipline and privacy to cross-border parenting and community-scale claims—follow the show, share it with a friend, and leave a review telling us which case challenged your assumptions.Follow this link for a transcript of the show and links to the cases discussed.

Can you change a child's birthday because it's a bit... inconvenient for you? Content creator Indy Clinton wants us to believe she's doing just that with her "Christmas baby" and Sagittarians everywhere have thoughts. Plus, Sienna Miller is pregnant and in a negligee on the British Fashion Awards this week. At 43, Holly wants to know, is this the quintessential representation of the new era of agelessness? Also, Pilates is dead, strength training is on its way out and a mobility obsession is on its way in - but, Amelia asks, is scolding people with the "correct" exercise trends really the way to make women move? And an essay about motherhood ambivalence has Jessie pufferfishing. So, if you're not sure if you want kids, should you do it? REFERENCES, friends:If You're On The Fence About Having Kids, Don't Do It - By Zoya Patel. Dr Stacey Sims being interviewed by Holly on MID.

In her second week as CFO, Cristina Kim sat with Octaura's leadership team reviewing a three-year strategy and ambitious 2026 targets, she tells us. As the numbers appeared on the screen, her instinct was to do what she had done for nearly two decades: probe what might go wrong, stress-test assumptions, and look for what could break, she tells us. Mid-meeting, she experienced what she calls an “aha moment”—realizing she was no longer outside the story but inside it, responsible for helping the team achieve those goals, she tells us.That shift caps a career built on breadth rather than a linear ladder. Cristina began in investment banking in Hong Kong before spending 17 years in JP Morgan's strategic investments group across London and the United States, she tells us. There, she learned to sit at the center of technology innovation, translating between business needs, risk, and upside, and working closely with management teams and CFOs, she tells us. Over time, investing in Octaura and partnering with its leaders made her want to move from evaluating companies to helping build one, she tells us.Today at Octaura—an electronic trading platform and data company focused on loans and CLOs, she tells us—Cristina is applying that investor muscle in new ways. She is building frameworks for resource allocation, pushing for more granular, week-to-week metrics, and exploring how AI-enabled forecasting and internal data tools can sharpen decisions, she tells us. The discipline remains, but now it is in service of writing the story from within, she tells us.

Early winter weather has us pondering an alternate definition of “slush pile,” albeit the mucky, grey residue remaining after a city snowfall. Our Slush Pile is far more fresh, but still a wintry mix as we discuss the short story “Catherine of the Exvangelical Deconstruction” by Candice Kelsey. You might want to jump down the page and read or listen to it in full first, as there are spoilers in our discussion!   The story is set on the day of the Women's March, following 2017's Inauguration Day, but only references those events in the most glancing of ways. Instead the protagonist glances away to an array of distractions: Duolingo, a Frida Kahlo biography, a bat documentary, European architecture, banjo music, a stolen corpse flower, daydreaming, and actual dreaming. In the withholding of the protagonist's interiority, Sam sees a connection to Rachel Cusk's Outline, while Jason is reminded of early Bret Easton Ellis. The editors discuss how fiction might evoke the internet's fractioning of our attention, by recreating the fractioning or reflecting it?   We'd like to offer congratulations to Sam whose debut book of short stories, “Uncertain Times,” just won the Washington Writers Publishing House Fiction Prize. As always, thanks for listening!   At the table: Dagne Forrest, Samantha Neugebauer, Jason Schneiderman, Kathleen Volk Miller, Lisa Zerkle, and Lilllie Volpe (Sound Engineer)   Listen to the story “Catherine of the Exvangelical Deconstruction” read in its entirety by Dagne Forrest (separate from podcast reading) (Bio): Candice M. Kelsey (she/her) is a bi-coastal writer and educator. Her work has received Pushcart and Best-of-the-Net nominations, and she is the author of eight books. Candice reads for The Los Angeles Review and The Weight Journal; she also serves as a 2025 AWP Poetry Mentor. Her next poetry collection, Another Place Altogether, releases December 1st with Kelsay Books. (Website): https://www.candicemkelseypoet.com/ (Instagram): @Feed_Me_Poetry   Catherine of the Exvangelical Deconstruction Catherine's thumb hovers over Duolingo's question, her mind dim from doom scrolling, chest dead as TikTok. The green owl stares. She swears its beak is twitching.  “Got 5 minutes?”  She swipes Duo, that nosy bastard, and his taunting French flag icon away. “Non.” The apartment is dim, the air too still. Days feel hollow and unhinged, as if she's Edmond Dantès tossed off the cliff of Chatêau d'If, a brief and misplaced shell weighted to the depths of the sea. So much for learning a language to calm the nerves. Frida Kahlo's face stares from the page of a book she hasn't finished reading. “I should just return this already.” There are days she commits to her syllabus of self-education and days she resents it. Kahlo's eyes pierce her, and giving up feels like large-scale feminist betrayal—how she has shelved the artist, her wounds, tragic love, and all. But even sisterhood is too much this January 21st, and of all people, Kahlo would understand. Catherine opens her laptop and starts a documentary about bats instead. Chiroptera. A biologist with kind eyes speaks of their hand-like bones, the elastin and collagenous fiber wings. The chaos of nature is its own magic realism. She learns bats are vulnerable like the rest of us. Climate disruption and habitat loss. Plus white nose syndrome and the old standby, persecution by ignorant humans who set their caves aflame. In the documentary, there is a bat with the liquid amber eyes of a prophet. Maybe that's what this world has had too much of, she begins to consider. Mid-deconstruction of decades in the white, evangelical cesspit of high control patriarchy, Catherine sees the world as one big field day full of stupid ego-competitions like cosmic tug-a-wars. And prophets were some of the top offenders. King Zedekiah, for one, had the prophet Jeremiah lowered into a well by rope, intending he sink into the mud and suffocate. All because he warned the people of their emptiness. Her mind wanders to Prague, to art, to something far away that might fill her own cistern life. “Maybe next summer,” she whispers. “Charles Bridge, St. Vitus.” The rhythm of bluegrass hums through the speakers, enough to anchor her here, in this room, in this thin sliver of a world she cannot escape. “That could be the problem; I need to learn Czech. No, fuck Duo.” J'apprendrai le français. J'irai à Prague. Je verrai les vieux bâtiments. But then, something strange. The banjo's pluck feels different, deeper, its twang splitting the air. She Googles the history of Bluegrass, and the words tumble from the page, layering like the weight of a corpse settling into the silt off the coast of Marseille. The banjo isn't Appalachian in origin but rather West African—specifically from the Senegalese and Gambian people, their fingers strumming the akonting, a skin drum-like instrument that whispered of exile, of worlds ripped apart. American slavers steeped in the bitter twisting of scripture trafficked them across the Middle Passage, yet in the cruel silence of the cotton fields, they turned their pain into music. How are we not talking about this in every history class in every school in every state of this nation? The akonting, an enslaved man's lament, was the seed of a gourd that would bloom into the sounds of flatpicking Southerners. Still, the banjo plays on in Catherine's apartment. A much more tolerable sound than Duolingo's dong-ding ta-dong. But she can't quite cleanse her mind of the French lessons, of Lily and Oscar. Il y a toujours plus. Her voice is barely a whisper, trying to reassure herself. There must be more. A recurring dream, soft and gleaming like a pearl—her hands moving over cool clams, shucking them on a beach house in Rhode Island. It's a faint memory, but no less ever present. Aunt Norma and Uncle Francis' beach cottage and the closest thing to a Hyannis Port Kennedy afternoon of cousins frolicking about by the edge of a long dock lured back by the steam of fritters. But this time, Ocean Vuong stands beside her. He's talking about the monkey, Hartford, the tremors of the world. And the banjo has morphed into Puccini's La Bohème, which laces through the rhythm of Vuong's syntax like a golden libretto. They notice a figure outside the window, a shadow in the sand—the new neighbor? He's strange. A horticulturist, they say. Catherine hasn't met him, but there are rumors. “Did he really steal it?” Vuong asks. She practices her French—it's a dream after all—asks “Le cadavre fleuri?” They move to whispers, like a star's breath in night air. Rumor stands that in the middle of California's Eaton fire, the flower went missing from the Huntington Museum in Pasadena. The Titan Arum, bloated and bizarre in its beauty and stench, just vanished. Fran at the liquor store says the new neighbor, gloves always pressed to the earth, took it.  At night, she hears him in the garden, talking to the roots. She imagines his voice, murmuring something incomprehensible to the moonlight. Like that's where the truth lies—beneath the soil, between the cracks of broken promises, smelling faintly of rot. She recalls the history she once read, so distant, so impossibly rotten. During WWI, when the Nazis swept through Prague, they forced Jewish scholars to scour their archives. They wanted to preserve the so-called “best” of the Jews—manuscripts, texts, holy materials—for their future banjo-twisted Museum of an Extinct Race. She shudders. The music, the wild joy of the banjo, now seems infected with something ancient and spoiled. The act of collecting, of preserving, feels obscene. What do you keep? What do you discard? Whom do you destroy? She wakes from the dream, her phone still alive with French conjugations. The bluegrass hums, but it's heavier, like a rope lowering her into Narragansett Bay. The neighbor's house is dark. But she thinks she can see him, a silhouette against the trees, standing still as a warning. Everything is falling apart at the seams, and she is both a part of it and apart from it. Like each church she left, each youth group and AWANA or Vacation Bible School where she tried to volunteer, to love on the kids, to be the good follower she was tasked with being.  She leans her forehead against the cool glass of the window, closing her eyes. The ache is there, the same ache that never quite leaves. It's sharp, it's bitter, it's whole. The small, steady thrum beneath it all. Il y a toujours plus. Maybe tomorrow she will satisfy Duo. Maybe next fall she will dance down a cobbled street in Prague. Find five minutes to feel human. Perhaps she will be whole enough, tall as St. Vitus Cathedral, to face whatever is left of this America. She closes her eyes to Puccini's Mimi singing Il y a toujours plus and dueling banjos while her neighbor secretly drags a heavy, tarp-covered object across his yard under the flutter of Eastern small-footed bats out for their midnight mosquito snack. A scene only Frida Kahlo could paint.

Mid week and Jeff warns about snow and in the process chats with Luke Pettit & Barry Moore on this Happy Hump Day Edition of The Jeff Katz Show!

Send us a textIf you are a mid-career professional feeling drained, discouraged, or stuck because of a difficult boss, this episode gives you a clear path forward. Many professionals stay silent or shut down when leadership becomes unpredictable, controlling, or inconsistent. In today's job market, that silence can stall your visibility, performance, and promotion potential.This episode breaks down five difficult boss archetypes and gives you a practical strategy to stabilize your workweek, protect your confidence, and manage up with clarity and professionalism. What You Will Learn• The five difficult boss archetypes: micromanager, ghost, credit taker, hot and cold leader, and conflict avoider • How to interpret leadership behavior without internalizing blame • Why empathy helps you respond strategically without excusing poor behavior • How to set realistic workload and time boundaries that reduce stress and prevent burnout • A simple structure for weekly check-ins that prevents surprises and strengthens accountability • How to use data-driven updates to negotiate scope, timelines, and trade-offs • When to use “we” language publicly to manage credit takers while safeguarding your individual contributions for reviews and interviews • How to respond when your boss swings between praise and pressure • The key difference between a difficult boss and a toxic culture • How to make values-based decisions when an environment becomes unhealthyA Story About Leadership, Boundaries, and RepairI share a pivotal career moment: losing a promotion after a leadership conflict, and how a calm, clear conversation helped rebuild trust. The lesson is simple. Communicate with intention. Protect your boundaries. And treat managing up as an essential leadership skill, not a survival tactic.Mid-career professionals often work under heightened expectations while receiving less direct feedback. Navigating a difficult boss becomes a visibility issue, a performance issue, and a career advancement issue. This episode gives you tools to lead from where you are, strengthen your professional reputation, and keep your career moving forward.Support the showReady to give your career the jumpstart it needs to whatever is next? Schedule a $197 Career/Leadership Strategy Session. Click here to learn more about how this transformative strategy session will help you. Visit https://johnneral.com/resources to: Subscribe to my free leadership and career newsletter Get The Mid-Career Promotion Blueprint to help you figure out whatever is next for you and your career Join The Mid-Career GPS Membership Community. Please leave a rating and review on Apple Podcasts here. Connect with John on LinkedIn here.Get John's New Mid-Career Journal on Amazon here. Follow John on Instagram @johnneralcoaching. Subscribe to John's YouTube Channel here.

A CMO Confidential Interview with Michael Treff, the CEO of Code and Theory joins us for our 150th Show to share observations on the major forces impacting the B2B space. Michael details how "empowered buyers" are forcing sellers to increase focus on customer value creation and transforming marketing and sales from "leads to information" which is also shifting spending to capital expense. Key topics include: why the next AI frontier is customer experience; the need for companies to have both a long and short-term AI plans; why budgeting won't get any easier and; the gap between the CX problems and CX actions. Tune in to hear why you need to have an "AI plan for your humans" and learn if you need " a personalized relationship with your mustard."CMO Confidential #150: Michael Treff on B2B's Year-In-Review, What's Next, and How AI Will Actually Drive Growth**B2B is being rebuilt from the core. Michael explains why budgets are shifting from media to infrastructure, how the funnel is being rewritten by agentic search, and where AI must move from efficiency to growth. We also cover the KPIs that matter, budgeting realism for 2026, and three things every CMO should know by the end of next year. Sponsored by Typeface—the agentic AI marketing platform helping brands turn one idea into thousands of on-brand experiences. Learn more: typeface.ai/cmo. **Chapters**00:00 Intro + show setup01:00 Sponsor: Typeface — agentic AI marketing, enterprise-grade & integrated02:00 Guest intro: Michael Treff, CEO of Code and Theory03:00 B2B landscape: investment shifts, changing journeys, disintermediation07:00 From MQLs to value: sales enablement and end-to-end outcomes10:00 Mid-roll: Typeface ARC agents & content lifecycle11:00 Why suites win: implementation and value realization after the sale15:00 AI phases: Wave 1 (efficiency) → Wave 2 (growth) pressures on agencies17:00 CX as the bridge: measure outcomes, not vanity metrics22:00 Roadmaps, humans, and culture—planning beyond point tools26:00 Budget reality check: deliberation, polarization, and trade-offs29:00 Personalization vs. business impact—what to fund and measure33:00 By end of 2026: know your human plan, AI maturity, and new journeys35:00 2026 prediction: the ROI vice tightens—agencies must be consultative36:00 Closing advice: “Interrogate everything yourself.”38:00 Wrap + where to find past episodes39:00 Sponsor close: Typeface—see how ASICS & Microsoft scale personalization**About our sponsor, Typeface** @typefaceai is the first multimodal, agentic AI marketing platform that automates workflows from brief to launch, integrates with your MarTech stack, and delivers enterprise-grade security—named AI Company of the Year by Adweek and a TIME Best Invention. Learn more: typeface.ai/cmo. **Tags**B2B marketing, enterprise marketing, customer experience, AI marketing, agentic AI, marketing ROI, sales enablement, Code and Theory, Michael Treff, Mike Linton, CMO strategy, marketing budget, personalization, Martech, TypefaceSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Mid-podcast interview with Courtney Townley, my guest this week, a comment she said stopped me in my tracks.  "I moved from discipline to devotion." She was talking to me about how she reframed the times she showed up to write–moving from discipline (or something she HAD to do), to devotion (focusing on this incredible book that would serve her community). I absolutely love the distinction. Courtney, already known for her poignant reframes around women, midlife and wellness, made the point that women don't need another guru telling them to move their body, stress less and eat kale–we need to understand self-leadership. With over three decades in the wellness industry, she's discovered that deep health isn't about following someone else's manual—it's about writing your own. A sought-after speaker and educator, she blends science with straight talk, helping women navigate behavior change with grace, grit and self-trust. Ladies, this episode is for you–full of nuggets and applicable wisdom–you don't want to miss it!    

Pastor James Hunter speaks at our Sunday service. Join us in person at the church building or on Facebook and YouTube live, Sundays 10am. Mid week Prayer Connect Groups on Wednesdays at 7pm at various locations. Visit www.vomanchester.org.uk for more info.

It’s hot and everyone’s slightly unhinged, so what better time to kick off the Mamamia Out Loud Summer Book Club than with the only novel bold enough to ask: What if you left your family for a road trip and reinvented yourself... in a motel off the freeway? In the first of our Summer Book Club episodes, Em, Jessie and Holly dive into Miranda July’s All Fours, a book that is part midlife crisis, part erotic fever dream and part existential stand-up comedy routine. Em, Jessie and Holly discuss female desire, boredom, creativity and how it’s somehow both deeply relatable and utterly chaotic to want to start afresh on a whim. If you’ve ever: Sat in your car for an five extra minutes just to avoid your family Fantasised about a new life in a different country Or simply wondered, 'What if?' Then yes, this episode of Summer Book Club is for you.Summer Book Club Episode 2 drops December 28 when we'll be discussing the Great Big Beautiful Life by Emily Henry. Support independent women's media What To Listen To Next: Listen to our latest episode: All The Things We Didn’t Need To Know About The Sex Scandal Of The Year Listen: So, Are You Rude With Money? Listen: The Women Quietly Quitting Their Husbands & Your High School Ghost Listen: The 5 Days You Should Schedule Every Month Listen: The Most Telling Detail In That Meghan Sussex Profile Listen: ‘I Was An Ugly Child’ & The 5-Second Underthinking Rule Listen: Everything That Shouldn't Be Embarrassing But Absolutely Is Listen: So That's The Reason I Feel Bad About… My Eyelids? Listen: Big Brother Australia, The Golden Bachelor & The TV ‘Algorithm Theory’ Listen to MID with Monique van Tulder: The Gap Year That Saved A Marriage Connect your subscription to Apple Podcasts Discover more Mamamia Podcasts here including the very latest episode of Parenting Out Loud, the parenting podcast for people who don't listen to... parenting podcasts. Watch Mamamia Out Loud: Mamamia Out Loud on YouTube What to read: 'I’m obsessed with audiobooks, here are 10 of the best I’ve ever heard.' 11 of the very best beach reads to lose yourself in this summer. If you loved A Court of Thorns and Roses, here are 6 romantasy books to read next. The 8 best spicy reads that aren't all-out smutty. The 22 best books Reese Witherspoon has recommended. THE END BITS: Check out our merch at MamamiaOutLoud.com GET IN TOUCH: Feedback? We’re listening. Send us an email at outloud@mamamia.com.au Share your story, feedback, or dilemma! Send us a voice message. Join our Facebook group Mamamia Outlouders to talk about the show. Follow us on Instagram @mamamiaoutloud and on Tiktok @mamamiaoutloudBecome a Mamamia subscriber: https://www.mamamia.com.au/subscribeSee omnystudio.com/listener for privacy information.

Sunday-centric churches get three to four hours a week with their people. Social media gets two to three hours a day. You can fight that reality or you can work with it. Chestly breaks down the difference between digital noise and actual community. He walks through Paul's hub strategy in Ephesus—how the Roman road system created a first-century network that looks surprisingly like what we have now. You'll learn Rick Warren's stages of community and why most churches stop short. Discover why your Sunday morning event might be keeping you from building the structures where people actually grow. This isn't about killing the mega church. It's about understanding what serves what. The best part? Mid-sized churches have a secret advantage. You can move fast. You're relational. You don't need new buildings or staff. You just need to flip the model right-side up.

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So. Everyone says your fiancée cheated on you with a big-wig politician (or two). After you break up, you're sitting on a whole lot of juicy, icky, sexy detail from messages and emails that you KNOW the world is going to be into. Do you release them? Well, of course you do. And welcome to the sex scandal that's consuming America right now - the Olivia Nuzzi affair. So, do YOU want to hear all about it? Also, what do real-life witches think of Wicked, For Good? And, women have never been hornier. At least, that's what our obsession with internet boyfriends, smutty books and libido-boosting supplements tells us. So Em, Holly and Jessie discuss: Is it power, or pressure? Plus, recommendations and Em's F1 obsession. $21 off - Mamamia’s massive Black Friday Deal.Get an all access pass to Mamamia for just $48. Enjoy $21 off a yearly subscription, ends 1 December 2025! Recommendations Em recommends getting up at 3am on Monday to watch the QATAR F1 Race on Foxtel or Kayo. Jessie recommends A Battle with My Blood by Tatiana Schlossberg about her terminal cancer diagnosis. And the Brushology Premium Boar Bristle Hairbrush. Holly recommends The Mushroom Tapes: Conversations on a triple murder trial, a book by Helen Garner, Chloe Hooper and Sarah Krasnostein What To Listen To Next: Listen to our latest episode: So, Are You Rude With Money? Listen: The Women Quietly Quitting Their Husbands & Your High School Ghost Listen: The 5 Days You Should Schedule Every Month Listen: The Most Telling Detail In That Meghan Sussex Profile Listen: ‘I Was An Ugly Child’ & The 5-Second Underthinking Rule Listen: Everything That Shouldn't Be Embarrassing But Absolutely Is Listen: So That's The Reason I Feel Bad About… My Eyelids? Listen: Big Brother Australia, The Golden Bachelor & The TV ‘Algorithm Theory’ Listen to MID with Monique van Tulder: The Gap Year That Saved A Marriage Connect your subscription to Apple Podcasts Discover more Mamamia Podcasts here including the very latest episode of Parenting Out Loud, the parenting podcast for people who don't listen to... parenting podcasts. Watch Mamamia Out Loud: Mamamia Out Loud on YouTube What to read: A brutally honest review of the new Wicked movie. The 9 biggest differences between Wicked: For Good and the musical. Viagra for women is a thing and nobody's talking about it. 2024 was the year of horny mid-life women. 'Young women are overtaking the F1 fan base. I know exactly why.' THE END BITS: Check out our merch at MamamiaOutLoud.com GET IN TOUCH: Feedback? We’re listening. Send us an email at outloud@mamamia.com.au Share your story, feedback, or dilemma! Send us a voice message. Join our Facebook group Mamamia Outlouders to talk about the show. Follow us on Instagram @mamamiaoutloud and on Tiktok @mamamiaoutloud CREDITS: Hosts: Emily Vernem, Jessie Stephens & Holly Wainwright Group Executive Producer: Ruth Devine Executive Producer: Sasha Tannock Audio Producer: Leah Porges Video Producer: Josh Green Junior Content Producer: Tessa KotowiczBecome a Mamamia subscriber: https://www.mamamia.com.au/subscribeSee omnystudio.com/listener for privacy information.

Arsenal achieve a statement and redemptive victory over Bayern Munich as Liverpool move closer to crisis.Mikel Arteta's Gunners now lead the UCL league phase, while North London rivals Tottenham Hotspur responded well to derby defeat but were bettered by European champions PSG.Despite an eight-game thriller for Spurs in Paris, the night's big story came at Anfield, where Liverpool suffered yet another humbling defeat, 4-1 to PSV Eindhoven.Mark Chapman is joined by Paul Robinson, Matt Upson, John Murray, Alistair Bruce-Ball and Lee Blakeman for all the reaction on a thrilling night of Champions League action, with 39 goals in nine games. Plus you'll hear from Slot, as well as Spurs boss Thomas Frank.Timecodes: 00:30 Arsenal's statement victory over Bayern 11:12 Liverpool 20:30 Reaction from Arne Slot 22:10 Mid-roll 22:55 Tottenham's eight-goal thriller 26:50 Reaction from Spurs manager Thomas Frank 28:10 Do PSG look like European champions? Upcoming commentaries on 5Live/Sports Extra: Thu 1745 Feyenoord v Celtic – Sports Extra Thu 2000 Rangers v Sporting Braga – Sports Extra Thu 2000 Aberdeen v Noah – Sports Extra 2 Sat 1500 Man City v Leeds – 5 Live Sat 1500 Sunderland v Bournemouth – Sports Extra Sat 1730 Everton v Newcastle – 5 Live Sat 1730 England Women v China – Sports Extra Sun 1405 West Ham v Liverpool – 5 Live Sun 1405 Aston Villa v Wolves – Sports Extra Sun 1405 Nottingham Forest v Brighton – Sports Extra 2 Sun 1630 Chelsea v Arsenal – 5 Live

Don and Tom run through a Wall Street Journal list of “subtle signs it might be time to retire,” reacting to each one with their usual mix of disbelief, personal anecdotes, and gentle ribbing. The episode wanders into tech reluctance, job promotions nobody wants, Sunday dread, obsessive 401(k) checking, volunteering guilt, missing peers, feeling left out of friends' retirements, boss-related misery, and aging knees. They also answer listener questions about Schwab Intelligent Portfolios and their high cash allocations, discuss the shrinking role of physical cash, explain the real value of pre-1964 silver quarters, and handle calls on Social Security math. Tom repeatedly tracks his daughter's high-school soccer match on-air, providing live updates as the drama unfolds. 1:06 WSJ list of “subtle signs it's time to retire” begins 1:40 Sign #1: Feeling numb arriving at work 2:11 Why neither host relates to workplace numbness 2:59 Sign #2: Shrinking from new tech tools (Tom jokes incoming) 3:40 Don embraces AI, Tom… less so 4:21 Sign #3: Avoiding promotions; why neither wants a bigger job 5:16 Sign #4: The “Sunday scaries” 5:50 Sign #5: Constantly checking your 401(k) balance 6:26 Mid-list recap before the break 7:42 Second half of the list introduced 8:57 Sign #6: Wanting to volunteer more 9:40 Sign #7: Realizing all your peers have retired 10:11 Don jokes about dying at his desk 11:34 Sign #8: Feeling left out as friends enjoy retirement trips 12:40 Sign #9: Hating your boss (and why that's not a retirement issue) 12:56 Sign #10: Achy knees and “retire before you can't enjoy things” 13:35 Doctors, guarantees, and aging joints 14:43 Call for listener questions 15:04 Call: Schwab Intelligent Portfolios' big cash allocations 16:28 How Schwab makes money on the spread 18:20 Transparency vs. hidden fees 20:20 Back from break — Wednesday podcast explanation 21:31 Don hates change (the coin kind and the life kind) 22:30 Historical buying power of coins 22:56 Pre-1964 silver quarter value 24:15 Odds of finding one in circulation 25:10 What amount of money makes you bend over and pick it up? 25:47 Cleaning out the garage vs. hunting silver coins 27:36 Halftime soccer update: the comeback begins 29:02 Caller: misunderstanding “8% interest” from Social Security discussion 30:26 Caller Paul on cash vs. cashless society 31:51 Coca-Cola prices through time 32:57 Only 12–18% of payments today are cash 34:02 Holiday well-wishes and generational shifts 35:34 Bewitched, credit checks, and pre-internet detective work Learn more about your ad choices. Visit megaphone.fm/adchoices

Did you know that 99% of your body's molecules are water? In episode 835 of the Savage Perspective Podcast, host Robert Sikes sits down with Mario Brainovic to explore the incredible science of structured water. They discuss how changing the state of the water you drink can increase your cellular energy, boost brain function, and support a longer, healthier life. Mario explains the simple process of creating this coherent water, its effects on NAD+ levels for longevity, and how it can even help protect you from the negative impacts of EMF radiation. This conversation reveals why not all water is created equal and how this simple change can have a profound impact on your body and the world around you.Ready to build a stronger, more energetic body? Join Robert's FREE Bodybuilding Masterclass to learn the blueprint for gaining muscle and achieving your fitness goals. Sign up here: https://www.ketobodybuilding.com/registration-2Get Keto Brick: https://www.ketobrick.com/Subscribe to the podcast: https://open.spotify.com/show/42cjJssghqD01bdWBxRYEg?si=1XYKmPXmR4eKw2O9gGCEuQChapters:0:00 - Why You Are More Water Than The Ocean 0:54 - From Big Pharma to Water: The Surprising Origin Story 2:22 - What Is Structured Water & Why It's Not All The Same 5:06 - How to ‘Structure' Your Water for Maximum Power 7:15 - Can Your Thoughts Physically Change Water? The Famous Rice Study 10:31 - How Does The Analemma Wand Actually Work? 12:44 - Short, Mid, & Long-Term Benefits of Drinking Structured Water 13:25 - How Structured Water Instantly Upgrades Your Brainwaves 17:03 - Does Structured Water Increase Your Cellular Energy (ATP)? 20:58 - What Does Drinking Structured Water Feel Like? 23:56 - Is It Worth Drinking Unstructured Water If You Have To? 26:07 - Can Structured Water Make You More Anabolic? 27:31 - How To Naturally Increase Your NAD+ Levels for Longevity 30:04 - What Does ‘Analemma' Mean? The Symbol of The Sun 31:04 - The #1 Biggest (and Most Surprising) Benefit of This Water 35:58 - What Destroyed The Natural State of Water on Earth? 38:30 - How to Reverse The Negative Effects of EMF Radiation 43:32 - Why Water is the Ultimate Compound Habit for a Better Life 45:40 - The Surprising Truth About Water Filters 46:25 - How Long Does Structured Water Stay Structured? 49:08 - How is the "Mother Water" Created? A Secret Process 50:46 - Rapid Fire Q&A: Your Questions Answered 52:14 - How to Get a 30-150% Increase in Heart Rate Variability (HRV) 54:02 - If I Mix Structured and Unstructured Water, What Happens? 55:09 - Does Boiling or Making Coffee Destroy Structured Water? 58:55 - The New Analemma Water Bottle (Coming Soon) 59:34 - Is The Scientific Community Pushing Back On This? 1:00:44 - How Structured Water Radically Improves Your Gut Microbiome 1:03:01 - How We Revived Dead Soil and What It Means for the Planet 1:05:47 - The Mission: Making All Water on Earth Coherent Again 1:09:14 - Where to Get Analemma & Learn More

Would you partner notice if you 'quiet quit' your relationship? You know, quietly moving into separate bedrooms, watching all your own shows in different rooms of the house at night, never socialising together, taking separate holidays... Plenty of people are doing it, and probably always have. So, is it always a bad thing? And is it possible to un-quit?Also, Ariana Grande, Cynthia Erivo and the world's most-irritating press tour. Yes, Wicked For Good is out and you will not have missed the two stars coo-ing over each other on global red carpets. Are they the world's greatest girlfriends, or are they playing us? And when did press tours become performance art? And... what are high school reunions for? It's long been predicted that social-media-stalking has killed the reunion, but Amelia just went to her 25th and she had a revelation. Plus, Jessie, Amelia and Holly share the 'plate' they take to BYO social events, and what "some cheese in a plastic bag" says about you. Support independent women's media Read The Women Quiet Quitting Their Husbands by Monica Corcoran Harel in The Cut, here. What To Listen To Next: Listen to our latest episode: The 5 Days You Should Schedule Every Month Listen: The Most Telling Detail In That Meghan Sussex Profile Listen: ‘I Was An Ugly Child’ & The 5-Second Underthinking Rule Listen: Everything That Shouldn't Be Embarrassing But Absolutely Is Listen: So That's The Reason I Feel Bad About… My Eyelids? Listen: Big Brother Australia, The Golden Bachelor & The TV ‘Algorithm Theory’ Listen: Get My Boss Out Of My Bed & The Last Relationship Taboo Listen: Squirting, Dawn Culture & The Most Motivating Word Listen to MID with Monique van Tulder: The Gap Year That Saved A Marriage Connect your subscription to Apple Podcasts Discover more Mamamia Podcasts here including the very latest episode of Parenting Out Loud, the parenting podcast for people who don't listen to... parenting podcasts. Watch Mamamia Out Loud: Mamamia Out Loud on YouTube What to read: The messy middle stage of separation that no one warns you about. A brutally honest review of the new Wicked movie. Let's talk about all the most unhinged things that happened in Wicked: For Good. The 9 biggest differences between Wicked: For Good and the musical. 'The 6 answers I needed about the social media age restriction that's coming.' Steve Biddulph on why boys fall into the "manosphere" and what we can do to stop it. THE END BITS: Check out our merch at MamamiaOutLoud.com GET IN TOUCH: Feedback? We’re listening. Send us an email at outloud@mamamia.com.au Share your story, feedback, or dilemma! Send us a voice message. Join our Facebook group Mamamia Outlouders to talk about the show. Follow us on Instagram @mamamiaoutloud and on Tiktok @mamamiaoutloudBecome a Mamamia subscriber: https://www.mamamia.com.au/subscribeSee omnystudio.com/listener for privacy information.

Pete, Jon, and Nez get you prepped for the Thanksgiving DFS slate on Underdog, share their favorite sleepers, and build some spicy pick 'ems⁠⁠.

In Episode 441 of the Immigration Lawyers Toolbox® Podcast, John Q. Khosravi, Esq. sits down with Rusten Colombo of Colombo & Hurd to discuss firm growth, NIW/EB-1 trends, remote practice management, client feedback systems, hiring strategies, and how his firm scaled from 30 to over 360 team members. A deep dive into building a high-volume, high-quality immigration practice. Spotify | iTunes | YouTube Music | YouTube Timestamps: 00:00 – Opening 00:33 – Podcast Introduction 02:24 How Rusten Entered Immigration Law 03:19 From Civil Litigation to Immigration Practice 05:54 The Growth Timeline of Colombo & Hurd 07:06 Pandemic, Trump Era & Shifts in Immigration Demand 09:37 Mastering NIW Cases at Scale 11:20 Global Talent & the Rise of NIW Filings13:08 How Colombo & Hurd Manage High-Volume Case Work 15:50  Sharing Knowledge Across a Large Attorney Team 17:58 Where Colombo & Hurd Operate 19:14 Scaling Fast: Office vs. Remote Work 21:01 Mid 21:50 Client Experience Metrics & Feedback Systems 25:18 Maintaining Culture Through Rapid Growth 27:26 How Colombo & Hurd Hire Attorneys 29:44 Flat Fees, Dynamic Pricing & Client Expectations 31:47 Profitability & Balancing Case Workloads 33:38 How the Firm Approaches Expansion & Growth Strategy 35:23 Outro 35:46 Closing Show Notes: Rusten Hurd's LinkedIn: https://www.linkedin.com/in/rustenhurd/ Website: https://www.colombohurdlaw.com/orlando/ Live Consular Processing training for lawyers Dec 18, 10:00–11:45 a.m. PT - NVC packets & DS-260 - Interview prep & follow-up - Timelines, fees, and real-world workflows Register here! Check out eimmigration by Cerenade webinar [Keys to Building Resilience in Immigration Law for 2026]  Follow eimmigration by Cerenade: Facebook | Instagram | LinkedIn Start your Business Immigration Practice! (US LAWYERS ONLY - SCREENING REQUIRED): E-2 Course EB-1A Course Get the Toolbox Magazine!  Join our community (Lawyers Only) Get Started in Immigration Law! The Marriage/Family-Based Green Card course is for you Our Website: ImmigrationLawyersToolbox.com Not legal advice. Consult with an Attorney. Attorney Advertisement. #podcaster #Lawyer #ImmigrationLawyer #Interview #Immigration #ImmigrationAttorney #USImmigration #ImmigrationLaw #ImmigrationLawyersToolbox  

New weight loss drugs may portend end of “Fat Acceptance” movement; Celebs and Southerners embrace GLP-1s; Trump clears path for more access to diet drugs; Mid- and late-life exercise slash dementia risk; “Ethicists” urge more tick-borne meat allergy to save planet—as alpha-gal syndrome claims first fatality; What's wrong with the melatonin study that claims it leads to heart failure? How to detox 9-11 first-responders? Can weekend warriors obtain same benefits as regular exercisers? 

Get the Midterm Rental Insurance Blueprint: https://experimentrealestate.com/#blueprintIn this detailed episode of In The Lab, Ruben sits down with tax strategist and CPA, Michael Uadiale Michael brings the type of clarity most entrepreneurs wish their CPA would give them, breaking down the real tax game in a way that feels simple, concrete, and practical.Michael shares why the tax code is built for business owners and investors, not W2 earners — and how most people are losing money simply because they're operating in the wrong category. He explains the difference between tax preparation, tax planning, and tax strategy, why bonus depreciation is so misunderstood, and how entrepreneurs can position themselves before Q4 ends.Throughout the conversation, Michael outlines the real KPIs that matter for understanding your tax position, the most common blind spots he sees in operators, and how AI is reshaping the accounting industry. More importantly, he gives a blueprint for building a tax-optimized business structure — from entity setup, to bookkeeping hygiene, to capturing deductions the right way.This episode is a must-listen for anyone who wants to stop guessing, stop overpaying, and finally understand how to use the tax code as a tool for building wealth. Tune in now to learn how Michael's strategic approach can help you keep more of your money, protect your business, and plan for long-term freedom.HIGHLIGHTS OF THE EPISODE:11:50 Michaeil talks about the tax code and real estate success.17:40 Michael talks about getting proactive on managing taxes KEEPING IT REAL:04:20 – What CPAs do07:58 – Compliance vs. strategy11:15 – Why books matter14:42 – Cash flow leaks17:10 – Business owner mindset20:55 – W2 vs. 109923:41 – Entity structure basics26:12 – LLC vs. S-Corp29:09 – Audit red flags32:44 – Deduction vs. credit36:01 – Mileage & receipts40:28 – Real estate benefits44:12 – Depreciation explained48:00 – Cost segregation use52:18 – Passive vs. active55:44 – Short-term rental rules58:59 – Material participation tests1:02:10 – Tax strategy stacking1:05:08 – Mid-term rental angle1:08:30 – Investor documentation1:12:44 – AI and accounting1:16:10 – Scaling financial ops1:20:55 – Final takeawaysCONNECT WITH THE GUESTLinkedin: https://www.linkedin.com/in/smeedcpa/Instagram: https://www.instagram.com/michael_uadiale/?hl=en #TaxStrategy #BusinessFinances #RealEstateInvesting #CashFlow #EntrepreneurMindset #FinancialLiteracy #SREI #BusinessOwnerLife #CPAInsights #WealthBuilding

Fellas deepdive into Leafs Drama show of a year so far, discuss Oilers redemption win over defending cup Champs, The Year of the Mid, and much more! 

Pastor Paul Lloyd speaks at our Sunday service. Join us in person at the church building or on Facebook and YouTube live, Sundays 10am. Mid week Prayer Connect Groups on Wednesdays at 7pm at various locations. Visit www.vomanchester.org.uk for more info.

In this special release episode, Matt sits down with Nathan Lambert and Luca Soldaini from Ai2 (the Allen Institute for AI) to break down one of the biggest open-source AI drops of the year: OLMo 3. At a moment when most labs are offering “open weights” and calling it a day, AI2 is doing the opposite — publishing the models, the data, the recipes, and every intermediate checkpoint that shows how the system was built. It's an unusually transparent look into the inner machinery of a modern frontier-class model.Nathan and Luca walk us through the full pipeline — from pre-training and mid-training to long-context extension, SFT, preference tuning, and RLVR. They also explain what a thinking model actually is, why reasoning models have exploded in 2025, and how distillation from DeepSeek and Qwen reasoning models works in practice. If you've been trying to truly understand the “RL + reasoning” era of LLMs, this is the clearest explanation you'll hear.We widen the lens to the global picture: why Meta's retreat from open source created a “vacuum of influence,” how Chinese labs like Qwen, DeepSeek, Kimi, and Moonshot surged into that gap, and why so many U.S. companies are quietly building on Chinese open models today. Nathan and Luca offer a grounded, insider view of whether America can mount an effective open-source response — and what that response needs to look like.Finally, we talk about where AI is actually heading. Not the hype, not the doom — but the messy engineering reality behind modern model training, the complexity tax that slows progress, and why the transformation between now and 2030 may be dramatic without ever delivering a single “AGI moment.” If you care about the future of open models and the global AI landscape, this is an essential conversation.Allen Institute for AI (AI2)Website - https://allenai.orgX/Twitter - https://x.com/allen_aiNathan LambertBlog - https://www.interconnects.aiLinkedIn - https://www.linkedin.com/in/natolambert/X/Twitter - https://x.com/natolambertLuca SoldainiBlog - https://soldaini.netLinkedIn - https://www.linkedin.com/in/soldni/X/Twitter - https://x.com/soldniFIRSTMARKWebsite - https://firstmark.comX/Twitter - https://twitter.com/FirstMarkCapMatt Turck (Managing Director)Blog - https://mattturck.comLinkedIn - https://www.linkedin.com/in/turck/X/Twitter - https://twitter.com/mattturck(00:00) – Cold Open(00:39) – Welcome & today's big announcement(01:18) – Introducing the Olmo 3 model family(02:07) – What “base models” really are (and why they matter)(05:51) – Dolma 3: the data behind Olmo 3(08:06) – Performance vs Qwen, Gemma, DeepSeek(10:28) – What true open source means (and why it's rare)(12:51) – Intermediate checkpoints, transparency, and why AI2 publishes everything(16:37) – Why Qwen is everywhere (including U.S. startups)(18:31) – Why Chinese labs go open source (and why U.S. labs don't)(20:28) – Inside ATOM: the U.S. response to China's model surge(22:13) – The rise of “thinking models” and inference-time scaling(35:58) – The full Olmo pipeline, explained simply(46:52) – Pre-training: data, scale, and avoiding catastrophic spikes(50:27) – Mid-training (tail patching) and avoiding test leakage(52:06) – Why long-context training matters(55:28) – SFT: building the foundation for reasoning(1:04:53) – Preference tuning & why DPO still works(1:10:51) – The hard part: RLVR, long reasoning chains, and infrastructure pain(1:13:59) – Why RL is so technically brutal(1:18:17) – Complexity tax vs AGI hype(1:21:58) – How everyone can contribute to the future of AI(1:27:26) – Closing thoughts

http://www.sherylkline.com/blogIn the latest Fearless Female Leadership interview, I had the honor of talking with Sarah Lloyd Favaro, Senior Solutions Director, Office of Responsible AI and Governance at HCLTech, about one of the most urgent and misunderstood leadership topics today: how leaders can mitigate AI bias for women.Sarah's career has always lived at the intersection of technology and learning. Long before generative AI swept into the mainstream, she was exploring how tech could enhance human capability (not replace it.) But with the rapid rise of AI tools, Sarah doubled down on understanding how these systems work, why bias appears, and how leaders can prepare their organizations for a future where AI is woven into every workflow.What makes Sarah's perspective so powerful is her blended expertise: she understands both the practical magic of AI and the very real risks. She believes strongly that if organizations benefit from AI's productivity and innovation, they must also ensure equitable, responsible, human-centered usage.She emphasizes the critical role leaders play in upskilling their workforce… especially women, who are statistically underrepresented in AI fields. According to Sarah, equitable access to education and tools is non-negotiable if companies want to avoid widening gender and societal gaps.Sarah also demystifies what many call the AI “black box.” She explains that becoming confident with AI doesn't require being an engineer. Instead, it requires learning how to communicate with AI systems, think critically about outputs, and understand where bias may creep in.Her message is both empowering and practical: AI is here to stay. And with the right awareness, skills, and strategies, women and leaders can shape a future where AI is an equalizer (not a divider.)

From Jeffy’s Online Books to everything from A to Z, Amazon.com is an empire amongst empires. Bezos created something remarkable. Dave Young: Welcome to the Empire Builders Podcast, teaching business owners the not-so-secret techniques that took famous businesses from mom-and-pop to major brands. Stephen Semple is a marketing consultant, story collector, and storyteller. I’m Stephen’s sidekick and business partner, Dave Young. Before we get into today’s episode, a word from our sponsor, which is… Well, it’s us, but we’re highlighting ads we’ve written and produced for our clients. So here’s one of those. [Pinpoint Payments Ad] Dave Young: Ding-dong. Okay. Well, I was making noises there as we started. Welcome to the Empire Builders Podcast. Dave Young here alongside Stephen Semple, and we’re talking about empires. I mean, businesses that started tiny and grew into behemoths, in this case, and often… Well, every time what we do is we let the countdown to the recording start, and then Stephen whispers in my ear today’s topic, and we see if I recognize it. Maybe perhaps I’ve heard of them. And today, he just said one word, Amazon. And I’m like, “Is that a river?” I mean, that’s what we all said back in the day when Jeff Bezos started it- Stephen Semple: Yes. Dave Young: … was, “Really, you named it after a river in South America? What are you thinking? What’s wrong with you?” But I guess he proved them wrong. Stephen Semple: What you’re going to discover, wasn’t actually the first name. Dave Young: Oh, cool. They started with a different name and then switched to Amazon. Stephen Semple: Jeffy’s Online Books? Dave Young: Well, and here’s the thing. We’re 200-and-some-odd episodes in, and we’ve managed to hold off not covering Amazon. That’s a good point. Yeah. Stephen Semple: And I resisted myself, because basically everything that’s to be said about Amazon has probably been said, but I did come across a couple of interesting little tidbits that we’re going to focus on- Dave Young: Oh, cool. Stephen Semple: … that I hope gives a little bit different picture to Amazon than the other things, people. Look, Amazon is a massive success, has changed the way the world is, was unbelievably innovative and forward-thinking. And today, Amazon does like 8,000 orders a minute. Dave Young: A minute? Stephen Semple: A minute. Dave Young: Unbelievable. Stephen Semple: Crazy, isn’t it? Dave Young: Mm-hmm. Stephen Semple: And Jeff Bezos is one of the richest men in the world, and Amazon is just a monster out there. But here’s the thing that’s also really interesting. Jeff Bezos did not come from technology or retail. And how often have we seen this over and over and over again, that these businesses are built by people from outside the industry? That is like 9 out of 10, or probably even more like 99 out of 100. He was an investment guy that was working in the early ’90s on Wall Street. That’s what he was doing. And he was making big bucks doing research in the technology space. So he was working in the space, but he wasn’t a tech guy or a retail guy. And he comes across this report about growth in the internet space. And he literally… It boggles his mind. He’s working away in Wall Street, comes across this report, and it says, the space is growing at 2300%. And he literally, as the story goes, picks up the phone, calls the analyst, and said, “There’s a typo here.” And they were like, “No, this is how it’s growing.” And he was like, “Oh my God.” Now, let’s think about this for a moment, because it’s easy to forget this. 1989 is when the first online transaction on the World Wide Web happened. Dave Young: I wouldn’t have thought it was even that long ago, but yeah. Stephen Semple: Yeah, yeah, but it was, like, one- Dave Young: Yeah. It’s ancient history now, but… Stephen Semple: We forget, we forget how much the growth is. And if you really want to go back, probably the best documentation of the growth we’ve had is episode 227 on AOL. Because AOL was really a driver of internet growth. It really was. It was really one of the pioneers that took people online. So to be looking at these things in the early ’90s and go, “Hey, I see growth in online retail,” that’s really forward-thinking. I’ve got to give Bezos credit. Not a lot of people were thinking that way. So he looks at this growth and he says, “There’s got to be potential to do a business in this space.” And that’s where he starts off. We’ve got to do a business in this space. So he does brainstorming ideas with his wife at the time, McKinsey, and they look at investment sites, they look at advice sites, but he decides it needs to be a store, because people shop every day. Everyone. It’s mass- Dave Young: An online store, yeah. Stephen Semple: It’s mass, it’s something we do all the time, it’s habitual, and he doesn’t want to do something that’s a niche. And it has no boundaries, and ideally you could remove a lot of the friction in shopping. But he realizes he can’t start that way. This is the other part where I thought he was brilliant. His vision was always online store, but he knew you can’t start as an online store. You can’t become known for being an online store. It’s too big. You need to pick one thing. Dave Young: But he had that vision long before he started selling books. Stephen Semple: The goal was to sell everything. Dave Young: Everything. Stephen Semple: But he knew that’s not where you start. And this is what I find interesting. It’s amazing how many startups I talk about have these massive visions, and it’s too big. You can have that massive vision, but you got to still start with something smaller. And that starting something smaller doesn’t limit you. Jeff Bezos has proven that. So he steps back in this point. He’s trying to figure out, “Well, what’s the one thing I want to do?” And he ordered a book called Cyberdreams by Asimov, and it took two weeks to arrive and arrived damaged. And the ordering process was a bit of a pain in the neck. And he went, “You know what? There’s an opportunity to do better here.” And at the time, the book business is very fragmented. There’s two big players, Barnes & Noble, and Borders. But they combined are only 25% of book sales. So still, most book sales are being done by little retailers. So it’s dominated by all sorts of little players, and they don’t do a good job of shipping books. So he says, “There’s the opportunity. Books is the opportunity.” He quits Wall Street where he is making like a million bucks a year, moves to Seattle to start the business, and he moves to Seattle because University of Washington at the time has got basically the top computer engineering school, Microsoft is there, so there’s lots of good engineers available. Dave Young: Gotcha. Stephen Semple: Hires a programmer, Shel Kaphan. And the first name of the company was not Amazon. It was Cadabra, as in- Dave Young: Cadabra. Abra. Stephen Semple: As in “Abracadabra, your book arrives.” Dave Young: Yeah. Stephen Semple: Name didn’t work well. People thought it was… Dave Young: Magic supplies, or- Stephen Semple: No. Well, they actually mistake it, Cadabra for cadaver. Dave Young: Yeah, that’s not good either, now that I think about it. Stephen Semple: So they needed a new name, and they had very much still the phone book mentality. Remember how everybody wanted to be listed first in the phone book? Dave Young: Sure. You start with an A. Stephen Semple: So you start with an A, and the first name that kind of came along that they thought they could do anything with was Amazon. Okay, yeah. You know, it’s [inaudible 00:08:32] a river, all this other stuff. So they just went, “Sure, let’s do Amazon. We can make that work.” Dave Young: Well, and the smart thing is he picked a… unless I’m wrong, he picked one word as the name. Stephen Semple: Yes. Dave Young: It wasn’t Amazon Booksellers. Stephen Semple: No, Amazon. Dave Young: Amazon Online Booksellers. Stephen Semple: Right, because he still had the vision — Dave Young: That’s limiting. Yeah. Stephen Semple: Right, because he still had the vision, “I’m going to do more than this, but I need to start with one thing.” So Amazon. Dave Young: So that vision dictates you find a name that is big enough to handle the vision. Stephen Semple: Yes. World’s biggest river, right? So it’s June 16th, 1995, Amazon goes live. They wanted to make it simple and easy to order books, and what would happen is they will get the sale, then they turn around and buy the book from the wholesaler, repackage the book, and ship it out to you. So they basically had no inventory. Dave Young: I was going to say, you could test the whole idea by just setting up your office near a brick and mortar bookstore and walking over and buying the book. Stephen Semple: Instead, they were buying the wholesale. Dave Young: Drop it in the mail. But they’re buying from wholesale, so there’s a little profit in it for them. That’s good. Stephen Semple: Yep. So the book would come in, they would repack it, ship it to the customer. So really, at first they had no physical inventory, but they had a list of a million books. They could basically sell any book that they could get from a wholesaler. And Amazon rolls out with this claim. They have the Earth’s biggest bookstore, which is really crazy. Any book store could claim that, because they all had access to the same million books. But I also love… There was a little bit of an unusual wording here. Dave Young: Stay tuned. We’re going to wrap up this story and tell you how to apply this lesson to your business right after this. [Using Stories To Sell Ad] Dave Young: Let’s pick up our story where we left off, and trust me, you haven’t missed a thing. Stephen Semple: I also love, there was a little bit of an unusual wording here, because you sort of expect it to be the world’s biggest bookstore, rather than the Earth’s biggest bookstore. Dave Young: Oh yeah, that’s a good point. Yeah. Stephen Semple: Right? And I think that really, again, the slightly unusual wording that fit but doesn’t fit sort of makes things stand out a little bit more. The first week, they do 13,000 in sales. Everybody’s working, boxing books, including Bezos in the early days, and they’re struggling to keep up. Like, it’s working. Then they get a call from Yahoo. So remember, at the time, Yahoo is the monster. Mid-’90s, Yahoo is the leading search engine by a country mile. And Yahoo had this thing that they would do. Each week, they would feature the hottest websites on their landing page. And they give Amazon a call and they say, “Hey, would you like to be featured?” Now, they’re struggling to keep up. Bezos says, “Yep. Keep the pedal to the metal.” So Amazon’s already behind in orders, but they go for it, because the whole idea is get big fast. In a month, they’ve got orders from all 50 states, 25 countries, but they don’t have the infrastructure to keep up, and they’re operating at a loss and growing. So in 1996, they arrange for $8 million investment and they start hiring and updating infrastructure. Now, this point, they get the attention of Barnes & Noble. Remember, Barnes & Noble is the biggest retailer at this time. The CEO meets with them, and he’s known as being kind of a bit of a ruthless guy. He tells Jeff that Barnes & Noble is going to launch their site and it’s going to kill them. So the alternative is sell to Barnes & Noble. Barnes & Noble basically says, “Bezos, we’re going to bury you.” Bezos says, “No.” But here’s where Bezos is smart. Basically, Barnes & Noble tipped their hand. So in May, 1997, Barnes & Noble launches their site, and it’s not bad, and it’s getting better, but the heads-up made Bezos realize he needed the capital to compete. So he had also arranged to go public. So when Barnes & Noble launched their site, Bezos went public, literally same month, May, ’97. And he raises $54 million. But what he realizes, to win, he now needs to stock inventory and do it quicker than Barnes & Noble. So he starts building warehouses. Then, what is the next natural thing to add to books? Movies, and music. Remember? Dave Young: Yeah, I’m just… Stephen Semple: Right, because movies were DVD, and music was CDs, right? Nice, natural add-on. Dave Young: And you’ve already got people competing in that space. Stephen Semple: Yes. Dave Young: You’ve got places that are selling CDs and shipping you movies, like Netflix. Stephen Semple: Yeah. Dave Young: Yeah. Stephen Semple: So it’s 1999, and he grows from 610 million to 1.6 billion, 170% growth with the addition of that. Now, here’s the problem. The dot-com bubble bursts, and lots of businesses fail. Investors are switching their focus away from growth. You know how there was that whole thing, burn rate, burn rate, burn rate, doesn’t matter, you don’t need to be profitable. Now all of a sudden, you got to be profitable. And Amazon’s still losing money. And Bezos is told by the board that he needs to make money, he needs to raise prices. This is what the board says. “Dude, you’re raising prices.” What does Bezos do? Announces he’s lowering prices across the board by 30% on everything. He stands against the board, because he says, “This is my opportunity to crush the competition and win.” It’s really interesting, the Monday Morning Memo this week, from Roy H. Williams. So we need to note, it’s October 6th, so any listeners should go back, mondaymorningmemo.com, October 6th. Read that because it’s really interesting what Roy wrote this morning. It’s write down this whole idea, that when things slow down, this is when the little guy can crush the big guys. Dave Young: The big guy, yeah. Stephen Semple: This is what he did. Bezos stood against the board, board, said, “Raise prices,” Bezos said, “No, this is my opportunity to put the foot down, put the hammer down, and win.” And that’s what he did. And guess what? Not only that, few quarters after doing that, they hit profitability for the first time, because they exploded the transactions. They killed their competitors in that moment. So I think the parts that came across interesting for me that I wanted to talk about when it comes to Amazon is this whole idea of he knew he wanted to do something big, but he knew he couldn’t start large. So he spent a lot of time thinking about what’s the natural thing for me to start with? And he looked for something that was fragmented, then it’s easy to go in, that was not being done well, but was already a fairly regular purchase, so he did books. And then in terms of the expansion, what’s something that has very similar characteristics to books? Movies, music. Dave Young: That people are already accustomed to purchasing online. Stephen Semple: Correct. Dave Young: And startup people will talk about the minimum viable product, or minimum viable service, right? Stephen Semple: Yes. Dave Young: And that’s sort of this. Stephen Semple: It is sort of, because he did it with no inventory. Dave Young: Sort of, but it’s not quite, though. Stephen Semple: Not quite. Dave Young: Because he wasn’t trying to make the minimum viable product or service. He was trying to find the entry path to something much, much bigger. Stephen Semple: Correct. Dave Young: When you have this idea for a business that, oh, we’re going to sell this thing online, or we’re going to do this service, and you just… When you think about minimum viable product, you’re forced to think small, and I think in some cases the risk is that you trim back that big vision. Stephen Semple: Yeah. He managed to hold- Dave Young: And you lose it. Stephen Semple: So there’s two areas where Bezos really showed his brilliance. And look, he’s shown his brilliance in so many different things. There’s whole books that have been written around his philosophies and whatnot. But these were the two that I thought have not been talked about before that I think we can all learn from as entrepreneurs, is he managed to hold those two ideas in his head, the long-term vision and the short-term thing he needed to do to get started. And he didn’t have the one limit the other. One, he was very clear, this one is the pathway to the other. But he was also okay to be known initially as a bookseller. He was fine with that. But he was able to hold those two contradictory ideas in his head and not sacrifice one for the other. And I think you’re right. A lot of people struggle with that, and he was brilliant at that. Dave Young: He was focused on it. Stephen Semple: He never lost sight of it. Dave Young: That’s a really good take on Amazon. I love this one. Stephen Semple: The other part is, and I think it’s particularly relevant for where we are today, is because there’s a lot of talk of consumer confidence slipping and things along that lines, is that he stood against his board. His board was like, “Okay, the tune of the day is we got to get profitable. You have to raise prices.” And what he knew is if he raised prices, this idea wasn’t going to work. And look, I’m not normally one saying, “Go lower prices. Go lower prices. Go lower prices.” But strategically, here’s what he knew at this point. His competitors were failing, his competitors were not making money, and his competitors had no more access to capital. This was the opportunity to destroy his online competitors. Dave Young: Yeah. Stephen Semple: The final nail… This is my opportunity to put my foot on their throat and win. Normally, a lowering a prices is not going to do that, but strategically in that moment, strategically in that moment, it was going to crush the competition. Dave Young: And he didn’t change the vision of the company to always be the low-cost supplier, right? It’s, like, that’s changed now. Stephen Semple: Right. Yes. Dave Young: You may find it for less on Amazon, but you may not. He didn’t make it as a strategy of focus on the company. Again, he made it as strategic decision for competition reasons. Stephen Semple: Correct. Dave Young: Which is what Walmart did, right? Stephen Semple: Correct. Dave Young: It’s just a similar story that’s not in the brick-and-mortar space. I love hearing this story. Stephen Semple: Yeah. And he took advantage of the moment. He saw that there’s this moment where this will work. There’s this moment in time where this will work, and I’m going to take advantage of this moment. Dave Young: And he became incredibly rich. Stephen Semple: Yes. Dave Young: Still is. And here’s, to me, the happy ending, okay? When he got divorced, his ex-wife got half of it, half of… I don’t know, half of Amazon, but half of all the money, at least, and she’s been given it away to charities and helping all kinds of people, not buying yachts. Stephen Semple: And look, and he didn’t fight it. He recognized her role. Dave Young: Yeah, yeah. Oh, sure. Stephen Semple: He recognized her role. Dave Young: No, [inaudible 00:19:52] full credit for that. Stephen Semple: It was not one of these drawn-out-in-court battles, because we didn’t hear anything about it. Dave Young: Yeah, and- Stephen Semple: So he did the right thing. Dave Young: Yeah, I think so. And she’s doing a great thing. Stephen Semple: Yes. Dave Young: Right? She’s clearly thought, well, yeah, “I can help a lot of people , still live a fantastic life.” Stephen Semple: I’d been resisting doing Amazon, although I felt like it’s hard to have a podcast like this and not talk about Amazon. Dave Young: It is. Stephen Semple: But I wanted to find a couple of things that I think just were a little bit different take, and a couple of things that we can really take away as business owners. And I like to call it the thin edge of the wedge strategy. What’s that starting point which you identified, that then you can pivot to the larger thing. And also, in the tough times, that’s your opportunity to become the leader. Dave Young: Okay. Well, that’s it for the giant, Amazon. Stephen Semple: Yep. Dave Young: You’re talking about an empire. Stephen Semple: Yeah. Dave Young: Next week, as marketers, we’ll be back to talking about the Apple 1984 commercial. No, we won’t. Thank you, Stephen. Stephen Semple: Thanks, David. Dave Young: Thanks for listening to the podcast. Please share us, subscribe on your favorite podcast app, and leave us a big, fat, juicy five-star rating and review at Apple Podcasts. And if you’d like to schedule your own 90-minute empire-building session, you can do it at empirebuildingprogram.com.

Mid week and Jeff is loaded with news items and chats with Preston Truman Boyd & Mike Dickinson on this Happy Hump Day Edition of The Jeff Katz Show!

This was a not-at-all-MID, nor, for that matter -MEH, Monday crossword: the theme was above average, the clues crisp and clever. We especially want to give a shoutout to 22D, Sch. with a T section, MIT; and the presence of both 10D, Nickname for Dorothy, DOT, and 59A, Play-_____, DOH, in the grid. Kudos to Rena Cohen for this, her 6th NYTimes crossword.We also are delighted to announce our JAMCOTWA™️ (Jean And Mike Crossword Of The Week Award) winners (yes, plural!) -- deets inside.Show note imagery: Katrina Gorry, poised to do something extraordinary with a football.We love feedback! Send us a text...Contact Info:We love listener mail! Drop us a line, crosswordpodcast@icloud.com.Also, we're on FaceBook, so feel free to drop by there and strike up a conversation!

Ever wondered what Dr. Deming really meant by "profound knowledge" — and how it can still transform your work today? In this conversation, Bill Scherkenbach shares with host Andrew Stotz lessons from Dr. W. Edwards Deming on profound knowledge, systems thinking, and why "knowledge without action is useless, and action without knowledge is dangerous." Tune in for wisdom, humor, and practical insights on learning, leadership, and finding joy in work. TRANSCRIPT 0:00:02.2 Andrew Stotz: My name is Andrew Stotz, and I'll be your host as we dive deeper into the teachings of Dr. W. Edwards Deming. Today, I'm continuing my discussion with Bill Scherkenbach, a dedicated protege of Dr. Deming since 1972. Bill met with Dr. Deming more than a thousand times and later led statistical methods and process improvement at Ford and GM at Deming's recommendation. He authored the Deming Route to Quality and Productivity at Deming's behest, and at 79, still champions his mentor's message, learn, have fun, and make a difference. Bill, how are you doing?   0:00:36.3 Bill Scherkenbach: Doing great, Andrew. How about you?   0:00:38.6 Andrew Stotz: I'm good. It's been a while since we talked. I took a little holiday to Italy, which was. I was out for a bit, but I'm happy to be back in the saddle.   0:00:48.9 Bill Scherkenbach: Dove in Italia?   0:00:51.3 Andrew Stotz: Yes.   0:00:52.5 Bill Scherkenbach: Where in Italy?   0:00:53.6 Andrew Stotz: Well, I went to Milan for a trade show in the coffee industry, and then I went to Lake Como and relaxed and oh, what a paradise.   0:01:03.2 Bill Scherkenbach: Beautiful. Beautiful. Yep.   0:01:05.0 Andrew Stotz: And, of course, always great food.   0:01:09.4 Bill Scherkenbach: Yep, yep, yep. Well, you have a chance to use the PDSA on improving your mood there.   0:01:16.6 Andrew Stotz: Yeah, it was just... The resort I stayed at was a tiny little place on the side of a hill, and the food at this tiny little place was fantastic. We just didn't want to leave. Every single meal was great. So I love that. Who doesn't love that?   0:01:34.4 Bill Scherkenbach: They didn't have a food cart in the background.   0:01:38.0 Andrew Stotz: Yeah. In fact, they didn't really open for lunch.   0:01:39.8 Bill Scherkenbach: Like what they do over here.   0:01:41.3 Andrew Stotz: Yeah, they didn't open for lunch. They only served sandwiches at 2pm so we had to hold out. But we still, the sandwich was so good. We just thought yeah, just wait.   0:01:51.3 Bill Scherkenbach: Early lunch. Yep.   0:01:53.3 Andrew Stotz: Well, you've got some interesting stuff to talk about today, and I'm gonna share the screen, and then I think we can kick it off from there. So let me see if I can get that up straight here. One second in. All right, so hopefully, you see a white screen that says profound knowledge. You see that, Bill?   0:02:16.0 Bill Scherkenbach: Yes, I do.   0:02:17.2 Andrew Stotz: All right, well, let's... Yeah, let's. Let's get into it.   0:02:23.2 Bill Scherkenbach: Oh, okay. I'll go from the bullets that I've got, and we'll hear from Dr. Deming and how he couched it in a little bit, in a few minutes, but he recognized that leaders would say they had the knowledge. Oh, yeah, we do SPC. We follow Deming's philosophy, we do that. But they really only knew the buzzwords. And to an extent, and I don't know how he came up with the word profound, but I do know in speaking with him that he intended it to be a degree of expertise that was beyond the buzzwords. Now, he said you didn't have to be an expert in it, but you had to know enough to be able to understand it and in fact, use it, as we'll talk about in a little bit. And knowledge obviously includes, as he said, an appreciation for a system and variation and knowledge and psychology. And as we'll hear in the audio, he also didn't really limited to that when he said there was there... His point, main point was that there are a whole bunch of interrelated subject matters that are very, very useful in managing your business or managing any organization.   0:04:17.1 Andrew Stotz: You know, I was thinking about that word profound. It's oftentimes wondering exactly what is meant by that. This is helpful to help us understand. It's, number one, about expertise. And I think the thing that I've always also felt is like, when you understand appreciation for a system, knowledge about variation, theory of knowledge and psychology, it, like things click, like it comes together, it's a whole. And that's the way I've thought about it. But that's interesting about the expertise aspect.   0:04:51.8 Bill Scherkenbach: Yeah. And that's something Don Peterson at Ford spoke about. He gave a very good talk to our leaders with Dr. Deming in attendance. And he said that a lot of you have said, "Oh, yeah, we already do this at Ford, " but you have to come to grips with a lot of you have been promoted for perhaps the wrong reason throughout your career, and you're gonna have to change. The change starts with us. So that was very impactful for Dr. Deming to listen to that.   0:05:32.7 Andrew Stotz: Yeah. And I just thought about the idea of profound action. Like, once you get this knowledge, does that mean that you're going to also, you know, the way that you do things is going to change substantially.   0:05:47.3 Bill Scherkenbach: Yeah. I mean, that's been a philosophical question. In one of the slides, I quote Confucius. About 2500 years ago, essentially saying knowledge without action is useless and the action without knowledge is pretty dangerous. But that's been consistent with Eastern and Western. Aristotle did the same thing, and Mid Eastern folks did it as well. Philosophers dealing with, yeah, we've got knowledge, but everyone agrees, at least in the good thinker role, that, that you've got to take action, otherwise it's useless. Okay, so we've got, and the subject matters, as I said, are not new. And he coalesced on four, but the general thought was that. And you've got to remember Dr. Deming was a classically trained physicist in the 1920s. And because of that a lot of, although it had been a few years, but they were very aware that everything started in the both, the eastern philosophies and western philosophies. Everything started with philosophy. Science wasn't a separate subject matter. And so everything was connected on how people should live, on how the stars move, a whole bunch of stuff. It all was philosophy. And these various subject matters evolved over the years.   0:07:50.6 Bill Scherkenbach: So even though he stopped it for his general intent was that a whole bunch of things are interconnected. If you go study these various subject matters.   0:08:05.1 Andrew Stotz: It's interesting because I attended the seminars in 1990, 1992 and then I went to Thailand and then I did other things and I didn't really keep up with it because I was in the financial world and doing my thing. And then I got The New Economics years later and there was this discussion about System of Profound Knowledge. And then I think about also going back to your previous discussions of what it was like being in a classroom with Dr. Deming when you first met him and studied with him. You know, that these things were going on. Obviously he had a deep understanding of variation. He definitely understood about the theory of knowledge from his scientific background. But I'm just curious, as you... It's interesting what you said, these things are not new. It's the way he brought them together. I just find that, that fascinating. How do you see that journey for him going from when you first met him to a very full formed concept or theory of profound knowledge at his later years?   0:09:15.3 Bill Scherkenbach: Yeah, I think things just solidified or codified. I mean, when I first met him in '72 at New York University Graduate School of Business, he didn't have 14 Points. He didn't have the Deadly Diseases. So none of the stuff that were codified as he progressed. I mean the one thing that I've mentioned it a number of times, the most important thing I learned from him is that you never stop learning. And he epitomized that sense of continual learning in improving oneself. So he tried to learn from everyone. But, but yes, for instance, as I mentioned, he was a degreed physicist and ended up doing a whole bunch of. And that transitioned into statistics which was a relatively. Well, I'm going to say everything is relative. But new in operationalizing the use of statistics besides counting people and the experiments at Rothamstead for agriculture. I mean, that really was some of the... But the earlier stuff, yeah. Was helping their patrons gamble better.   0:11:02.0 Andrew Stotz: And so I often take comfort in your descriptions in the first episodes about how he hadn't put all of these things in place at the age of 72. And I think there's still hope for me, Bill, to figure it out and put together my grand thinking.   0:11:22.7 Bill Scherkenbach: Yeah. Oh, no, I understand. I mean, I'll be 80 in less than six months. But he really, he started out getting his foot in the water here anyway when he was 79 also. So there's a chance. There's a chance.   0:11:46.4 Andrew Stotz: There's a chance. All right, well, the next slide, you're talking about the connections.   0:11:51.6 Bill Scherkenbach: Yeah. Again, all the subject matters are, again, evolve from philosophy and they all are interconnected in many, many ways. So, yeah, if you could play what Dr. Deming's introducing, that might set the stage.   0:12:14.0 Andrew Stotz: Okay, let me play this audio. Hopefully it comes across. Okay.   [video playback] Dr. Deming: Let us begin our study of Profound Knowledge. Profound Knowledge. Provides a roadmap to transformation, not just change, but a roadmap to transformation. Nothing else will satisfy our needs. Not just change, a roadmap to transformation into a new state. The System of Profound Knowledge, appears here in four parts, all related to each other: first, Appreciation for a System. Which we shall study, we shall study a system, and soon, I won't keep you waiting. And Theory of variation and theory of knowledge and knowledge of psychology and add anything you please, sociology, anthropology, whatever you please. I present these four parts to Profound Knowledge. They are interdependent, they cannot be separated. One need not be imminent in any part of Profound Knowledge in order to make it, in order to understand it and apply it.   0:13:30.9 Andrew Stotz: That's quite a mouthful.   0:13:33.1 Bill Scherkenbach: Yes, it is. Yes, it is. What I've got to do is go back to the tapes and get the lead in and follow on to that. But yeah, that's how he introduced profound knowledge in his later seminars.   0:13:56.2 Andrew Stotz: So what would this have been? What, 1990, 1991, 1992?   0:14:03.8 Bill Scherkenbach: Well, probably, I would say, yeah, maybe '89.   0:14:10.6 Andrew Stotz: Okay.   0:14:11.9 Bill Scherkenbach: In there. Yeah.   0:14:13.8 Andrew Stotz: So I took out a little transcript of that and I want to just go through a couple quick points, if you don't mind. He starts off by talking about it's a roadmap to transformation, not just change. Why would he say transformation rather than just change?   0:14:38.6 Bill Scherkenbach: Well, he changed really, transformation. And he thought a metamorphosis would be better. There's a butterfly in there somewhere, but it needs change. And it's not just, I know he mentioned the western style of management, but in my travels, Eastern style of management is just as bad. And again, knowledge is, is literally encompasses space and time. Looking at the past, projecting or predicting the future, little space, great space. And when you look at Western philosophies or western style management, we have emphasized the individual. So restricted space and short term. And the eastern philosophy of management took a longer term viewpoint of things. And they said it's not the individual, it's the team, the family. In my opinion, you have to, everyone, no matter where you live in the world has to balance those two, being able to take joy in your work as an individual. To be able to take joy in your work as a member of the team. And, I mean, I've been asked years ago, how long would it take? And I would say, "Well, Deming says it'll take 30 years." So over here in the US it's going to take a long time, but it's not going to take a long time in Asia, it's only going to take them 30 years. So time is relative, so is space.   0:16:53.2 Andrew Stotz: And there's something else he said in here that if you could try to help me understand and help the listener understand it. He talks about, you know, he gives a summary, theory of variation, theory of knowledge, knowledge of psychology. And then he adds in this line, "add anything you please, sociology, anthropology, whatever you please." What does he mean by that?   0:17:16.6 Bill Scherkenbach: That's what I said before he came from the the school that everything started with philosophy and things broke off science and all of these various disciplines. What he's saying is he's gone to, his theory of profound knowledge is included these four. But the general message is any discipline is interconnected with each other. So you don't have to be restricted to these four. And you're going back to how knowledge was developed in the first place. And perhaps it could be full circle, although I'm not going to get bogged down with the potential of AI contributions. But you need to, you need to recognize that many, many subject matter are interrelated because they were spawned from the original Eastern philosophy and Western philosophy.   0:18:37.5 Andrew Stotz: And one last thing on this, he wraps it up with this statement that also, you know, particularly given his depth of knowledge of the subject, he said, "One need not be imminent in any part of profound knowledge in order to make it, nor to understand it and to apply it." Why do you think he had this need to explain that you don't really have to know this in super deep detail?   0:19:02.7 Bill Scherkenbach: Well, I think he was being off a little bit. The word profound scares a lot of people. And so there's again a balance. You need to go far beyond the buzzwords, but you don't need to be an expert in any of those fields in order to grasp and be able to in some cases, I think, contribute to them. So he's saying that he's trying to better explain or define the word profound.   0:19:48.8 Andrew Stotz: Yep. Okay, now the next slide is incredible. A lot of different things on here that you're showing. Maybe you can explain what you're getting across in this one.   0:19:57.9 Bill Scherkenbach: Yeah, this is a MEGO chart. My Eyes Glaze Over. What I tried and I'm. I'm continually updating it. The different colors are from the fields of statistics, the fields of epistemology, psychology and systems thinking. And I'm linking a whole bunch of them together to show that there are similar thoughts in all four of these fields that contribute to a better understanding and use of all of them. Now the next slide, hopefully is more visible. It should be. I'm focusing on a stable process, which is statistical concept. Stable process means you've got by definition of Shewhart. There's a... Deming would call them common causes. When common causes are... When a process is stable, you're able to do design of experiments. Some of the enumerative methods work very, very well or with some degree of belief with a stable process. The red bead experiment was stable. Rule one and two of The Funnel. Stable process. Common causes in theory of knowledge. There's comment, well, I've seen that before or no, jeepers, I've never seen that that hooks up to some other special causes and statistics. There's a concept in theory of knowledge where you're talking about general providence or specific providence that the storm just, it hit everyone and pick out anyone in systems thinking you can only have a stable process if you have negative feedback loops and negative feedback.   0:22:40.0 Bill Scherkenbach: Again, I think I had mentioned in a previous discussion with you, negative doesn't mean it's bad. It just means it closes the loop and it seeks a stasis so, and that's the only way you're going to get. I'll simplify just about the only way you're going to get a stable process. There's a negative feedback loop in there somewhere. Stable process leads to long term thinking versus short term thinking, the theory of knowledge, empirical knowledge is never complete. Knowledge is theory applied over time. Stable process over and over and over again. The theory matches the data or what you predict, you then have knowledge. So the point is that, that there are a number of specific learnings. Well, for instance, let me see here, what's on. I have to adjust this. Okay. From psychology you've got what the psychologists call a fundamental attribution error. And that is mistaking who, as Dr. Deming says, who, who did it, who did it, did the people do it? Or did the system do it? Did the process do it? And in psychology, although it's in a different place, you've got following Rule 3 of The Funnel is a psychological term called complementary schismogenesis.   0:24:42.3 Bill Scherkenbach: And that's easy for me to say, going back to the Greek schism of split in genesis of a birth of a split. What that means is in psychology it's two people trying to one-up another. I've got this example. Well, I can do it. I mean, who, yeah, and the move or the musical Annie Oakley. Anything you can do, I can do better. So, psychology has observations and subject matters that they didn't have a clue. That was rule 3 of The Funnel. So my point in looking at all of these is that as you dig into things, they are interrelated. Now I haven't dug through anthropology or started. I've just restricted it to the four things Dr. Deming spoke about. But that would be a challenge to our listeners. If you really know some of these sciences, some of these bodies of knowledge, how are they connected? Okay. The aim of profound knowledge, he says, has to have an aim. Confucius in the East, Aristotle in the West, and in the Mid east, someone essentially said knowledge without action is useless and action without knowledge is dangerous.   0:26:51.0 Bill Scherkenbach: And Deming said the aim of a system, of his System of Profound Knowledge is action. And as we discussed previously, it's a transformation of Western, I think it's a transformation of Eastern and Western style of management. And he, the way he pronounced it was metamorphosis. And I will have to check the OED, Oxford English Dictionary. I haven't done that yet. But he has been 100% right in his pronunciation and usage of the English language. So as I said, there's got to be a butterfly in there somewhere. But he's talking about a major, major shift, major rebirth if you will, management. Systems theory. A lot of this is obvious and these are what he mentioned in his, not Out of the Crisis, but The New Economics. A network of interdependent components that work together to try and accomplish its aim. And, and he, and this I had mentioned earlier, I think that in his work. Well, I've got... Going back to some things, this is a 1954 speech he gave in Rome and this is a 1940 speech he gave. And because he was a Renaissance scholar, they were talking about a Systems View before it was popular.   0:29:06.5 Bill Scherkenbach: Everyone knows that he introduced the improvement on the old: design it or spec it, make it, try to sell it. And he introduced his expertise, sampling theory to be able to check on the customers and see what they think about stuff and be able to create a system of production instead of just one way through. Now. And I'm sure anyone who has read any of his books knows he spoke about the interdependence. He said in the example he gave was bowling. You just add up the scores. In the orchestra, you don't use a bunch of soloists, but they have to work together to be able to make sure that the result is what the composer, well, we don't know, I don't think what modes are intended.   0:30:28.9 Andrew Stotz: One of the things that's interesting about that orchestra concept is even, you know, it's a relatively complex system, but there's a score, there's a rule book, there's a play guide, here's what we're going to play. But sometimes with business there is no guide particularly, you know, you're running your own business relative, you know, you're focused on your own development of your own business. And it's not like you wake up every morning and there's a manual that says, "Here's what you do, here's what you play today." Which makes it that interdependence even more difficult and the need for communication and cooperation even more challenging. I have a client of mine that they've struggled to get the team to work together. But what I've also found is that they never sat down as a team and really had honest discussions consistently to try to break down the barriers and figure out how we're going to work together for this aim. So I'm curious about how do you look at business compared to, let's say, that orchestra example?   0:31:36.9 Bill Scherkenbach: Well, yeah, and Deming made that exact same point, at the far end of complexity or just about is business. They are far more complex and require far more interaction than the orchestra. Now, in trying to operationalize Dr. Deming's philosophy, I've tried to emphasize. And we've got a process to be able to create a vision and it obviously is followed by mission, values and question. We covered the physical, logical, emotional a few talks ago. But, but you have to... Top management has to have that vision that will include everyone in its and all sorts of voices in its creation. And then you have to have a way to be able to master that vision or make sure that that vision is operationalized. And that requires a whole bunch of feedback loops, if you will, systems thinking, a whole bunch of being able to work with people. And so it literally needs the application of profound knowledge from the management's perspective. You need to be able to operationalize your vision, not just come up with the vision and put it on the bookshelf.   0:33:34.5 Andrew Stotz: And the final bullet, says "the obligation of any component is to contribute its best to the system, not to maximize its own production, profit or sales, nor any other competitive measure." Oftentimes in the world of finance where I teach and I work, a lot of stuff, people think that the objective is to maximize profit, but the reality is the objective is to maximize value. And so when we look at, for instance, the value of a business, it's two components. Number one, the profit, which you could consider is kind of in the numerator. And then we reduce the profit by the denominator, which is risk. So think about it. If you were to invest money in two projects. One, you invest $100 in two projects, and one is very proven and you're very confident that this is going to work, and the other one is brand new, very possible it doesn't work. We would reduce the second cash flow and say, "Well, yeah, the amount we're investing is $100, but the reality is the cash flows may or may not hit." So we would reduce the value by the risk. And I try to help my young students particularly understand that it's an intricate balance of profit and risk. And if you overemphasize profit, you could be increasing the risk, which actually doesn't increase the value of the company.   0:35:07.0 Bill Scherkenbach: Yeah. And Dr. Deming had a similar statement saying that the cost of something doesn't mean anything. It's the value of what you get for the cost and value is determined by the quality. My look at systems theory, especially the obligation this last one is to contribute its best to the system. What many people forget is as I mentioned in the beginning, everything is defined as in space and time. And Bill Ouchi who wrote the book Theory Z stated that... And this is an eastern management concept that you have to have, I guess, corporate knowledge because in order for someone to say, "Okay, this department, I'm going to..." Well, for instance, lunches, the corporate lunch room will lose money so that the corporation can make. So the people would stay on site and be able to contribute more work. But that's in the longer term. And so if someone steps aside today to let someone else get the kudos or the credit, the corporation needs to remember that. He called it societal knowledge or memory. And if you ended up being saying, "Screw you, I'm taking what's owed to me, " that also will be remembered. So you have to introduce the dimension of time to any systems theory view. Time and space.   0:37:36.3 Andrew Stotz: You mentioned about... Oh, go ahead.   0:37:40.5 Bill Scherkenbach: No, it's a statistician's attempt at humor before Einstein. Yeah.   0:37:49.6 Andrew Stotz: You mentioned about metamorphosis and you mentioned about transformation and I was just looking it up and let me maybe if I'll read out what I found. "Metamorphosis is a biological stage based change. Like a caterpillar turning into a butterfly. It implies a natural structured process. Transformation is a broad change in form, character or condition. It can be physical, emotional or organizational. In short, every metamorphosis is a transformation. But not every transformation is a metamorphosis."   0:38:26.2 Bill Scherkenbach: Good point. Understand.   0:38:30.7 Andrew Stotz: So let's continue.   0:38:35.0 Bill Scherkenbach: Okay. Variation. I think the first noble truth of Buddhism is "life is suffering." And Deming equated variation with suffering. So when I presented similar slides to my friends in Asia, I... Life is variation.   0:39:02.2 Andrew Stotz: That's great.   0:39:03.0 Bill Scherkenbach: Now there are two extremes in taking action on variation. Well, in taking action, I know this is in front of us, but Dr. Deming spoke about Shewhart's contribution. And that is the two mistakes that people can make with variation, while in taking appropriate action on variation. And one is mistaking common cause for special causes or special causes for common causes. And that's really the primary view. But Deming seminars showed that if you're going to take action, there also are two extremes in taking action. And one was every action taken tends to make things worse, which he used The Funnel experiment. And the other extreme is every action taken has no effect on the variation. And that's obviously the red bead experiment. And so he, those were the two extremes that he wanted to show and demonstrate to people in order to solidify the folks learning. Theory of knowledge. Okay, Management is prediction, temporal spread, space and time absolutely required, knowledge is built on theory.   0:40:50.5 Bill Scherkenbach: He got that from Shewhart and indirectly through C.I. Lewis and on knowledge being built on theory. And with that, that jogged my mind as far as coming up with my theory-question-data-action cycle, which is a bit different than the Plan-Do-Study-Act cycle. But in knowledge development knowledge is built on theory. So anytime any data that you see you and he asked, he told people, by what method did these data get to me? If you see data you have to ask that. If you see data you have to say what was the question that was asked? If you're a question asker, questions come from theory. They're connections of concepts in your mind. And so theory could be a guess or it could be as proven as scientific law, but everything, and that scares people away, but everything really starts with theory. Given a theory you can ask a question. You can tell people when you ask the question what I'm going to do with the data so they have a better idea of how to collect the data and what data to collect. And then you take the action and go back and revisit the theory. So theory, question, data, action over time generates knowledge. And with some other emotional and physical constraints and consistencies, you're going to gain wisdom.   0:42:58.8 Andrew Stotz: There's something...   0:43:00.4 Bill Scherkenbach: Go ahead.   0:43:01.5 Andrew Stotz: There's something that I always, I've questioned, I think you can probably clear it up in this part of our discussion is that Dr. Deming used to say something along the lines of without prediction or without theory there is no knowledge. Something along that line as I recall. And sometimes I understood that clearly and other times I question that. What would you say about that? How should I understand that?   0:43:33.1 Bill Scherkenbach: Well, it's something that he and Shewhart spoke about a lot. And let's see, in his 1939 book The Statistical Methods from the Viewpoint of Quality Control by Shewhart and edited and commented on by Dr. Deming, they speak about that, as far as. And again Shewhart was influenced by C.I. Lewis. And as an aside, when, when I was at Ford and we had a speaker who had studied under CI Lewis. I had to get Dr. Deming to speak with them. And I've put part of a video of their conversation on LinkedIn, YouTube, I guess. But knowledge is built on theory. Now can you explain it again? I might be able to...   0:45:03.0 Andrew Stotz: So let me get a quote from New Economics. He said "experience by itself teaches nothing. Without theory, experience has no meaning. Without theory, one has no question to ask. Hence without theory there is no learning."   0:45:19.0 Bill Scherkenbach: Yeah. Yeah, okay. He was getting to, and he had all sorts of examples on the, on the first statement that experience teaches nothing. If you're, you might have an experience that perhaps you were, you, you were picked on. And what are you going to do about it? Well, your theory could have been: well, they don't like me. It could have been that: well, that person was a bully. Could be a whole bunch of things. But without the theory, what are you going to do in the future to make that experience more to your liking? And so you have to go beyond the experience and look at what is the thoughts and motivations behind that, which is theory. And now I don't know why I mentioned that, but I mean a number of the way... Well, I'll leave it at that.   0:47:02.8 Andrew Stotz: Yeah.   0:47:04.3 Bill Scherkenbach: As the left and right dukes it out based on their own theories. Okay. Psychology, it's incomplete without knowledge of variation. You mention that if you know the red beads, you won't make the fundamental attribution error. I had mentioned schismagenesis earlier, which is rule three of The Funnel. It invites, it says helps us understand people as different individuals. In, again, my take on this part of psychology. And again Dr. Deming saying everyone is entitled to take joy in their work. And he spoke about extrinsic and intrinsic motivation. Well, I have looked at it for many years as each one of us has an internal voice of the customer. We are the customer. And what makes me take joy would make another person perhaps take despair. And so it's management's responsibility who manages the people, materials, methods, equipment, environment to know me as a customer and be able to, if this works for me, then the management would try to arrange things that would help me take joy because it's more congruent with my internal voice of the customer. Deming used a number of examples that I gather some psychologists call it overjustification. But it in fact says the description was he tried to tip someone and it was an insult.   0:49:30.8 Bill Scherkenbach: And so instead of a thank you. He talked, he talked about the letter he sent to a surgeon of his, meant more than adding $500 to the bill. And the surgeon would carry the letter from Dr. Deming because he was, Deming was thankful for it. But it takes an astute manager to be able to understand all of the individual voices of the customers, their employees, and be able to construct a system that is going to be more congruent with each of them. And if you know that money doesn't influence or isn't congruent with someone, maybe it's retirement point, maybe it's a day off, maybe it's a variety of things managers would know that works for one person pisses off another. So that's where I stand on that, on the overjustification. And the obvious: fear invites wrong figures. Yeah. Although I think I had mentioned that in my work over in Asia, in China. So we don't have fear. It's called respect. So.   0:51:09.0 Andrew Stotz: I've just been reading a book about the Gaokao, the exam that students have to take in China to get into the elite university system. And it really makes you, it definitely gives you all kinds of both sides of the thinking on that. It really has got me thinking about this, one measure, everybody's ranked and they go through the pros and cons of it, which is challenging, it's good to go through that and think about that. So, fascinating. Well, that's been a great discussion for me, the idea of transformation, the concept of metamorphosis was interesting to me also the stuff related to having, you know, that how do we acquire knowledge? I think sometimes when in research, let's say in financial research that I've done all my life, I come up with a vague hypothesis and then I just start playing with numbers to see what I find. And so I'm kind of fiddling around. I wouldn't say that I have...   0:52:18.7 Bill Scherkenbach: What's the vague hypothesis? Give an example of...   0:52:22.7 Andrew Stotz: So, one observation that I've been able to make is that a particular ratio has fallen consistently across the world for the last 30 years, and that is the amount of revenue that assets generate out of companies. And I looked at 10,000 companies across the world. So the first thing I thought, okay, well, maybe it's a particular sector that's causing this. And I broke down that those 10,000 companies into 10 different sectors, and I saw they all had almost the same pattern. So that kind of showed me yeah, it's probably not that. And then I went through. I came up with kind of five different ideas of what it could be. And I could test that because I had a lot of data to be able to test it, but I couldn't find an answer to it. Now, I guess what you could say is that my fiddling around was based on some type of theory or guess or prediction. It wasn't until I came up to one final one, which was, could interest rates have a relationship with this? We have been through a period of time of very, very low interest rates.   0:53:39.7 Andrew Stotz: So could that decline have been caused by or related to interest rates? So I looked at the average interest rate that these 10,000 companies were paying over the past 30 years, and I saw it was going down, down, down, down, down, down very low. And I would say that that was the most plausible explanation I could find was that low interest rates incentivize companies to invest in projects that generated less revenue than previous projects.   0:54:13.2 Bill Scherkenbach: Okay. Yeah. I would think that the system. Well, you have to take into account the lag in response to lower and lower. Okay, am I going to wait for the next one? Whatever. And what's the lag in decision-making on the thing? But you need to codify, what's your theory? Okay, if X, then Y, then collect, ask the questions, make sure you understand how you got the data. And then try to take action there. But, yeah, everything starts with theory. Yeah. So it'll be good to be specific about it. What do you think it is?   0:55:09.8 Andrew Stotz: Yeah, that's, that's helpful. Well, let's wrap this up. How would you, if you were to, to bring this into a very condensed takeaway of what you want people to get from this discussion, what would you say is the core takeaway you want them to remember.   0:55:25.7 Bill Scherkenbach: Space and time. And I have done my best. Dr. Deming ended all of his lectures.   0:55:38.9 Andrew Stotz: I have done my best. Well, I love that. And let me wrap it up, Bill, by saying, on behalf of everybody at the Deming Institute, I want to thank you again for this discussion, another one that I've enjoyed immensely and for listeners remember to go to deming.org to continue your journey. And of course, you can find bill on LinkedIn in particular, where he's posting a lot of these cool discussions and thoughts and all of that. So this is your host, Andrew Stotz, and I'll leave you with one of my favorite quotes from Dr. Deming, and it relates to what we were just talking about. And that is "people are entitled to joy in work."

Welcome, welcome! We're hitting you with a ton of anime this week. Dustin discusses the second season of Solo Leveling, is it Mid? Is it great? Is it Super S? Lindsay's Catch Up Corner is back... catching up... with Sakamoto Days. We also discuss the Chainsaw Man movie, This Monster Wants To Eat Me, Hands Off: Sawaranaide Kotesashi-kun and With You, Our Love Will Make It Through.

In Episode 437, John Q. Khosravi, Esq. shares his Top 10 immigration updates and lessons from the week — covering everything from new USCIS policies to DOJ shakeups and practical tips for immigration attorneys. Highlights include: ⚖️ USCIS denials of U for You parole-based adjustments

Episode 410 of Airey Bros Radio breaks down one of the most chaotic, unforgettable NJCAA championship weekends ever — the 2025 NJCAA Cross Country & Half Marathon National Championships in snow-covered Fort Dodge, Iowa.A full blizzard turned the XC course into a survival test and the half marathon into a grit fest. Tonight, five of the top programs in the country join us to relive every moment — the wins, the adversity, the strategy changes, and the championship celebrations.Featuring:• Mesa CC – Coach Daniel Pescador: DII Women's National Champions | Men 5th• College of DuPage – Coach Mallory Dominguez: DIII Women's National Champions | Men Runner-Up• Odessa College – Coach Chris Beene: DI Women's National Champions | Half Marathon Champions• Iowa Central – Coach Dee Brown: DI Men's National Champions | Host School• Iowa Western – Coach Marc Bierbaum: Men's Half Marathon National Champions | Women Runner-UpWe dive into:– Racing through a whiteout snowstorm– XC race plan adjustments & spike decisions– Saturday XC breakdowns across D1, D2 & D3– Monday Half Marathon results– Key athletes, huge moves & gritty performances– What these results mean heading into indoor & outdoor trackHosted by Airey Bros RadioYouTube: https://www.youtube.com/@Aireybros Instagram: https://www.instagram.com/aireybrosradioFueled by Black Sheep Endurance Coaching https://www.blacksheependurance.com/SHOW NOTES Coach Daniel Pescador – Mesa Community CollegeDII Women's National Champions | Men 5th7:00 – Coach joins7:15 – Blizzard morning reaction7:50 – Adjusting race plans & spikes8:40 – Olivia Baker's fall + concussion mid-race9:20 – Paradise Valley challenge10:50 – Mesa defends its title12:00 – Mesa Men finish 5th13:00 – Team celebration14:30 – Indoor track plansCoach Mallory Dominguez – College of DuPageDIII Women's National Champions | Men Runner-Up20:00 – Coach joins20:20 – “The girls were excited to race in the snow”21:40 – Men's race helped prep the women22:50 – Visibility & course navigation24:10 – COD women take control early25:45 – Men's runner-up finish27:00 – Celebration + recovery28:20 – First women's XC title in school history29:40 – Half marathon recap31:20 – Building future depthCoach Chris Beene – Odessa CollegeDI Women's XC Champions | Half Marathon Champions40:00 – Coach joins40:15 – Weather shock: expected rain, got blizzard41:20 – Emotional meaning behind this title42:15 – Rukia & Kadine overcome adversity43:40 – When he knew Odessa was winning45:00 – First XC title in program history46:30 – Half Marathon dominance47:50 – Culture, recruiting & what's nextCoach Dee Brown – Iowa CentralDI Men's XC National Champions | Meet Host55:00 – Coach joins55:10 – Panic on Saturday morning56:00 – Coaches clearing snow manually57:25 – DIII athletes “create the path”58:40 – Iowa Central vs Hutch battle1:00:10 – Winning at home1:02:00 – Monday half marathon recap1:03:20 – Hosting challenges & victoriesCoach Marc Bierbaum – Iowa WesternMen's Half Marathon Champions | Women Runner-Up DI XC1:10:00 – Coach joins1:10:30 – Women grinding through the blizzard1:11:50 – Mid-race strategy adjustments1:13:15 – Back-to-back men's half marathon titles1:14:40 – Women win the half marathon title1:16:10 – Full Fort Dodge weekend recap1:17:45 – Transitioning into track season1:20:00 – OutroThanking all coaches, ABR weekly schedule, Peace, love & happiness — The Airey Bros are out

We come through on our promises: super fan Paulie is getting his signed cards sent out. Who you surround yourself with is important. Crederes guide to being a man. Mid season NFL talk. Grown men and cereal, with AG1 endorsement.    

Tech Contrarians explains the market's AI obsession, and why fears of a bubble might be premature (1:00). OpenAI's spending spree (3:20). Big tech's CapEx surge and what it signals about market anxiety (5:40). Red flags may indicate short-term supply chain hiccups not AI collapse (8:00). AI bubble or deflation? Mid-2026 more likely for major corrections (10:15). AMD, Nvidia & Broadcom (15:30). Intel's turning point (25:40). Why data storage and HBM memory are long-term AI plays (33:50). Opportunities outside AI (36:00).Episode TranscriptsShow Notes:AMD: OpenAI Got A Bargain - I Wouldn't Hold Into EarningsTaking Profits For Yield And Growth With David Alton ClarkMichael Burry to shut down hedge fundRegister for Top Income & AI Growth Stocks Worth Watching: https://bit.ly/4ifR7PPFor full access to analyst ratings, stock and ETF quant scores, and dividend grades, subscribe to Seeking Alpha Premium at seekingalpha.com/subscriptions

Today Eddie tells the show about how his old headphones turned into a fashion accessory hours after he took them off, Emily takes over the Mid-week Meltdown responsibilities, Eddie and Emily get into an argument about Eddies rouge actions and who gets to see Thor's new baby first

Today Eddie tells the show about how his old headphones turned into a fashion accessory hours after he took them off, Emily takes over the Mid-week Meltdown responsibilities, Eddie and Emily get into an argument about Eddies rouge actions and who gets to see Thor's new baby first

Mid week in Maryland and we meet harmonica star Steve Potter with songs Break My Heart, Grotto Says and My Special Place

In this solo training episode, John Q. Khosravi, Esq. breaks down the Top 3 USCIS memos every immigration lawyer must know — especially for family-based immigration practice. From conditional residence and adjustment of status to unlawful presence, John explains how each memo impacts your strategy, filings, and client outcomes. You'll learn:

In this monthly episode, John Q. Khosravi, Esq. sits down with Kevin A. Gregg, Esq. to break down key new immigration cases and developments from the federal courts. They discuss the latest in: - Notice and due process in Rivera-Valdes (9th Cir.) - Police reports and discretion in Maurice v. Bondi (1st Cir.) - Conspiracy and particularly serious crimes in Amos v. Att'y Gen. (3d Cir.) Plus, Kevin shares updates on habeas litigation trends and practical tips for removal defense attorneys.

“The Church from You, dear Master, Received the gift divine; And still that light is lifted O'er all the earth to shine. It is the chart and compass That, all life's voyage through, Mid mists and rocks and quicksands Still guides, O Christ, to You. “O make Your Church, dear Savior, A lamp of burnished gold To bear before the nations Your true light as of old! O teach Your wand'ring pilgrims By this their path to trace Till, clouds and darkness ended, They see You face to face.”

In this episode of the Immigration Lawyers Toolbox® Podcast, host John Q. Khosravi, Esq. speaks with Jeffrey O'Brien, Esq., founder of O'Brien Immigration and Mobile Pathways, about leadership, technology, and access to justice in the immigration space. Jeffrey shares how he built a thriving removal and asylum law practice, how technology is reshaping client service and nonprofit impact, and why collaboration across the immigration bar is essential for systemic change. They also dive into: ⚖️ Modern challenges in immigration court

Ladies and gentlemen, welcome to the 2025 Football America! Mid-season Awards. We're presenting awards to: 1. Guy who constantly gets mentioned as an MVP candidate but has zero chance of winning. 2a. Team currently in playoff position but won't be by season's end. 2b. Team currently not in playoff position but will be by season's end. 3. Team you'd least want to be rooting for (if you're a Jets fan, you could theoretically be excited by the trades). 4. Best single getup of the season so far. 5. Best uniform matchup. 6. the most handsome Football America! Mike Ryan Ruiz and Ten Day Tony join to make their picks with Dave Dameshek and the gang on this episode of Football America! (Photo by Paul Sancya/AP) Timestamps: (00:00) The 2025 Football America! Mid-season Awards Show (38:44) Pick Six - Week 10 (41:50) Games to Watch and Games to Pick- Week 10 AUDIO Football America! is available wherever you listen to podcasts. Leave us a 5-star review on Apple Podcasts: https://podcasts.apple.com/us/podcast/football-america/id1831757512 Follow us: Dave Dameshek: https://x.com/dameshek Mike Ryan Ruiz: https://x.com/MichaelRyanRuiz Ten Day Tony: https://x.com/10DayTony Host: Dave Dameshek Guests: Mike Ryan Ruiz, Ten Day Tony Team: Gino Fuentes, Mike Fuentes Director: Danny Benitez Senior Producers: Gino Fuentes, Mike Fuentes Executive Producer: Bradley Campbell Arizona Cardinals, Atlanta Falcons, Baltimore Ravens, Buffalo Bills, Carolina Panthers, Chicago Bears, Cincinnati Bengals, Cleveland Browns, Dallas Cowboys, Denver Broncos, Detroit Lions, Green Bay Packers, Houston Texans, Indianapolis Colts, Jacksonville Jaguars, Kansas City Chiefs, Las Vegas Raiders, Los Angeles Chargers, Los Angeles Rams, Miami Dolphins, Minnesota Vikings, New England Patriots, New Orleans Saints, New York Giants, New York Jets, Philadelphia Eagles, Pittsburgh Steelers, San Francisco 49ers, Seattle Seahawks, Tampa Bay Buccaneers, Tennessee Titans, Washington Commanders Learn more about your ad choices. Visit podcastchoices.com/adchoices