Podcasts about Pe

Most founders measure success by the price they get for their company.  David Hauser did that—he built Grasshopper to $30M Annual Recurring Revenue (ARR) and sold it for $175M – almost 6 times revenue. He and his partner owned the majority of the shares so the deal was life-changing for Hauser. But what makes this interview different is what Hauser did next: he crossed the table to become an investor and now acquires businesses through Durable Capital.  It's a study in contrasts. As a founder, Hauser chased growth. As an investor, he's ruthlessly disciplined. He mocks the PE herd chasing home services roll-ups and avoids auction-driven deals. Drawing on his experience founding Grasshopper and Mark Cuban-backed Chargify, he outmaneuvers ETA buyers and first-time acquirers with quiet, direct, close-ready offers. This is a rare window into how someone who's built and sold a business thinks about buying one—and what makes a deal attractive from the other side. 

Today's poll question dives into a surprisingly nostalgic and controversial topic: Should we reinstate the Presidential Fitness Test in U.S. schools? Michael takes a trip down memory lane—from pizza days and posture checks at Doyle Elementary to the shower policies of junior high PE classes—and unpacks how the fitness test became a cultural milestone. With Trump advocating for its return ahead of America's semi quincentennial, and critics arguing it promotes outdated standards, Michael explores both sides of the debate. Cast your vote today at Smerconish.com

Juan Pablo went from a late-start sophomore at UChicago to securing a coveted Private Banking summer analyst seat at JPMorgan in Miami. In this episode he reveals: How 50+ cold calls turned into warm referrals—and three Superdays The mock-interview routine inside WSO Academy that leveled up his technical & market questions fast Why targeted outreach (15 banks) beat the scatter-shot 50-application strategy Insider tips on speaking to directors with confidence, building a “precision hobby” resume, and turning econ coursework into market-moving insight If you're gunning for asset & wealth management, private banking, or any front-office role, Juan Pablo's playbook is pure gold. Watch, take notes, and start lining up your own calls. ------------------------------------------------------------------------------------------------------

Is your nonprofit still buried in paper forms and outdated systems? In this episode, I sit down with Patrick Waldo—AI and SaaS innovator and CEO of Unicorn Forms—to talk about the real risks and opportunities around e-signatures, data security, and going digital. From board agreements to grant paperwork and beyond, we explore how even small nonprofits can make a big leap into smarter, safer, and more accessible systems. If you're tired of chasing signatures and retyping forms, you need this conversation. Episode Highlights 05:20 - E-sign solutions and nonprofit needs 01:16 - Nonprofit Paperwork Challenges with Patrick Waldo 06:27 - E-signatures: Legal Basics & Security 13:14 - Digital Transformation & Real-World Examples 22:48 - Data, Analytics & The Future of Nonprofit Tech Meet the Guest My guest for this episode is Patrick Waldo. Patrick Waldo, CEO, is a seasoned technology leader with over 15 years of experience developing AI/ML and data analytics SaaS solutions adopted by the Fortune 500. As CEO of UnicornForms, Inc., he's on a mission to make paperwork frictionless through innovative form and document management. Previously, he served as VP of Product at Decernis, where he drove product development, led technical due diligence through two PE acquisitions, and secured two patents in AI/ML and NLP. At FoodChain ID, he led post-merger integration strategies, and at Redica Systems, he oversaw FDA analytics and monitoring for the pharmaceutical industry. Waldo holds master's degrees from Carnegie Mellon University and the University of Bologna, with expertise in IT, management, policy, and economics. He holds a Bachelor's degree from Grinnell College. Connect with Patrick: Web: https://www.unicornforms.com LinkedIn: https://www.linkedin.com/company/unicornforms Instagram: http://instagram.com/unicornforms Facebook: http://facebook.com/unicornforms Sponsored Resource Join the Inspired Nonprofit Leadership Newsletter for weekly tips and inspiration for leading your nonprofit! Access it here >> Be sure to subscribe to Inspired Nonprofit Leadership so that you don't miss a single episode, and while you're at it, won't you take a moment to write a short review and rate our show? It would be greatly appreciated! Let us know the topics or questions you would like to hear about in a future episode. You can do that and follow us on LinkedIn.

What does it really take to spin out and start your own private equity firm?Stephanie Srulowitz, co-head of U.S. private funds at Weil, Gotshal & Manges, joins The Data Minute to break it all down. From legal structure to fundraising strategy to LP negotiation tactics, she and Peter walk through the three common paths to fund launch (and which is the hardest), why some seed capital can come at a steep cost, and how new managers should think about anchor LPs, placement agents, and fund terms that will echo into fund two and fund three.Stephanie also shares inside-the-room stories on restrictive covenants, compensating service providers before a fund closes, and why being “too creative” in today's market can actually limit your LP base. Whether you're thinking about breaking out or just understanding how PE firms begin, this is your private equity masterclass.Subscribe to Carta's weekly Data Minute newsletter: https://carta.com/subscribe/data-newsletter-sign-up/Explore interactive startup and VC data, with Carta's Data Desk: https://carta.com/data-desk/01:08 – Willkie's view of the PE landscape and emerging managers02:30 – Who starts PE funds? Mostly spinouts04:49 – Why top performers are leaving their posts to go solo06:27 – LPs and seed capital: Are they finally warming to first funds?07:42 – Step one in starting a fund? Figure out where your capital is coming from08:46 – Placement agents: what they do, how they work, and how they get paid11:01 – Why PE sponsors must still sell themselves13:15 – What it really means to “go down market”14:01 – Step two: restrictive covenants, forfeited carry, and what you're leaving behind15:44 – Risk tolerance vs. relationship management: how managers differ in how they leave17:08 – When can you have fundraising conversations18:57 – Fundless deals, seed capital, and three different launch strategies20:59 – The tradeoffs of giving up equity in your management company22:28 – Is creative fundraising becoming more common?23:14 – What a “smart” fund target looks like right now26:20 – Fund two timelines: why they're stretching again27:20 – How do sponsors cover Fund I startup costs?28:39 – Why service providers understand the game29:50 – The most important part of the fundraise: differentiation and focus31:21 – The challenge of DBMs: Differentiated But Middling32:03 – Track records and SEC rules: why it's hard to talk about your wins33:47 – LPs still want standard PE terms35:00 – How institutional LPs think about silos, comparisons, and mandates36:43 – Fundraising strategy 101: anchor first vs momentum building38:19 – The hidden cost of big anchors: equity, carry, and long-term economics40:04 – What anchor term sheets usually ask for41:39 – “Forever” is a very long time: sunset clauses and Fund IV reality43:00 – Fund terms are hard to walk back44:57 – What actually trips up LP negotiations46:09 – Holding periods, evergreen funds, and how structures are evolving48:38 – Behind the curtain: how top counsel help sponsors differentiate49:47 – Lessons from the compliance side: RA registration and when it kicks in52:16 – Why a strong advisory bench is a force multiplierThis presentation contains general information only and eShares, Inc. dba Carta, Inc. (“Carta”) is not, by means of this publication, rendering accounting, business, financial, investment, legal, tax, or other professional advice or services, and is for informational purposes only.  This presentation is not a substitute for such professional advice or services nor should it be used as a basis for any decision or action that may affect your business or interests. © 2025 eShares, Inc., dba Carta, Inc. All rights reserved

Join Chat by the Pitch for an inspiring conversation with Warren Cottle, Director of Coaching and Player Development at North Texas State Soccer Association, and Christine Ellis, social media manager for Soccer Innovations. In this episode, Warren and Christine share their passion for youth soccer development, focusing on fostering a player-centric culture. They discuss the transformative Soccer for Success program, the importance of ball mastery at young ages, and the pitfalls of prioritizing winning over development. Tune in for actionable insights on creating environments where kids can learn, make decisions, and grow through soccer, packed with practical tips for coaches and parents alike! (134 words)Key Talking PointsSoccer for Success: Providing soccer education and equipment to schools in underserved communities.Ball mastery: Building technical foundations at home to boost confidence and control.Player-centric coaching: Creating environments for kids to make decisions and learn through play.Small-sided games: Why 4v4 and futsal are critical for maximizing touches and development.Parent education: Shifting focus from winning to long-term player growth.Tune In to LearnTune in to learn how Warren Cottle and Christine Ellis transform youth soccer by prioritizing skill development, decision-making, and inclusive access to the game.Quotes from Warren Cottle and Christine Ellis"The goal is to get soccer education out… it's unbelievably user-friendly for the elementary perspective as well as the high school PE teacher perspective." – Warren Cottle"If you could take that and tie grades to it… use that as a platform to develop not just soccer players, but also people." – Warren Cottle"I saw it with my oldest… it took about six months, and all of a sudden it transformed the way that he played." – Christine Ellis"It's so fun to watch and see… it sets them off on the right foot because now they start to feel confident." – Christine Ellis"As a coach, you don't look at the ball. You look at the players off the ball, what they're looking at, and what they're thinking." – Warren Cottle"I'm big on ownership because they gotta feel like it's their journey, and they will put more into it if it's theirs." – Christine Ellis"Sometimes your best coaches… put ‘em on the field and let the kids figure it out." – Warren Cottle"I wish everybody knew… there's something about they're comfortable, they're at home, they can have a ball at their foot." – Christine Ellis"Tournaments end up being more about money than they're actually about development." – Warren Cottle"If they can't control the ball, how will they be able to play on the field?" – Christine EllisConnect with Warren Cottle

In this episode, we discuss premature ejaculation (PE). Dr. Johnson breaks down the DSM-5-TR definition, explores common causes and types, and offers mental health tips and treatment options for individuals navigating this experience.Transcript for this episodeSavvy Psychologist is hosted by Dr. Monica Johnson. Have a mental health question? Email us at psychologist@quickanddirtytips.com. Find Savvy Psychologist on Facebook and Twitter, or subscribe to the newsletter for more psychology tips.Savvy Psychologist is a part of Quick and Dirty Tips.Links: https://quickanddirtytips.com/savvy-psychologisthttps://www.facebook.com/savvypsychologisthttps://twitter.com/qdtsavvypsychhttps://www.kindmindpsych.com/

Title: How to Make Millions with Vending Machines with Mike Hoffman Summary: In this conversation, Seth Bradley and Mike Hoffman delve into the world of vending machines as a business opportunity. Mike shares his journey from a Midwest farm boy to a successful entrepreneur in the vending industry, highlighting the evolution of vending technology and the potential for passive income. They discuss the importance of location, understanding demographics, and the scalability of vending routes. Mike emphasizes the need for upfront work and learning before delegating tasks, while also addressing the misconceptions surrounding passive income in the vending business. In this conversation, Seth Bradley and Mike discuss various aspects of entrepreneurship, particularly in the vending machine business. They explore the importance of capital raising, the journey of self-discovery, influences that shape business decisions, and the definition of success. The dialogue emphasizes the significance of flexibility, discipline, and focus in achieving entrepreneurial goals, while also touching on financial milestones and the attributes that distinguish successful entrepreneurs. Links to Watch and Subscribe:   Bullet Point Highlights: Mike's journey from a classic Midwest farm boy to a successful entrepreneur. The evolution of vending machines from traditional to smart technology. Understanding the importance of location in the vending business. The analogy of baseball levels to describe starting in vending. Scaling up from single A to big leagues in vending routes. The significance of demographics in product selection for vending machines. The potential for passive income with proper systems in place. The need for upfront work before achieving passivity in business. Vending is not a get-rich-quick scheme; it requires dedication. The future opportunities in the vending industry are expanding rapidly. Raising capital can dilute ownership but may be necessary for rapid growth. Self-discovery often leads to unexpected career paths. Influences in business can come from personal experiences rather than just mentors. Success is often defined by the ability to prioritize family and flexibility. Entrepreneurs work harder than in traditional jobs but gain flexibility. Discipline is crucial for saying no to distractions. Successful entrepreneurs often focus on niche markets. High foot traffic locations are ideal for vending machines. AI is transforming business operations and efficiency. Networking and connections can lead to valuable opportunities. Transcript: Seth Bradley, Esq. (00:04.898) Mike, what's going on buddy? Doing great brother, doing great. How about you?   Mike (00:06.748) Don't worry,   Mike (00:11.664) Good, I'm a little flustered. I usually have my mic set up over here, but I guess we just moved and it's not here today. I guess, yeah, new office and it's been a whole hot mess.   Seth Bradley, Esq. (00:19.822) New office or what?   Seth Bradley, Esq. (00:27.862) Nice man, nice. I see you got the whiteboard cranking back there. Love to see that.   Mike (00:33.114) Always. I love your background. That's sweet.   Seth Bradley, Esq. (00:38.03) Thanks man, yeah, I'm on camera all the time so I like I need to just build this out instead of using like a green screen so Made the investment made it happen   Mike (00:44.86) Totally.   Yeah, absolutely.   Seth Bradley, Esq. (00:49.442) Have we met in person or not? I don't know if we've met at a Wealth Without Wall Street event or I couldn't tell. Okay. No, I did not go to Nashville last year.   Mike (00:58.478) I don't think so. don't think you're... Were you in Nashville last year?   Mike (01:04.634) No, okay. No, I don't think we've met in person. Yeah.   Seth Bradley, Esq. (01:08.256) Okay, all good, man. All good. Well, cool. I'll just go over the format real quick. We'll do kind of a shorter recording. We're do like 30 minutes, something like in that range. And then we'll just kind of like break. And then I'll, want to record a couple of other quick segments where I call it Million Dollar Monday. I'm kind of asking you about how you made your first, last and next million. And then 1 % closer, which would just be kind of what separates you, what makes you the   top 1 % in your particular vertical. So we'll just kind of record those separately. Those will be real short, like five minutes or so.   Mike (01:44.924) Okay, yeah, I'll follow your lead. All good.   Seth Bradley, Esq. (01:47.15) Cool. Cool. Let's see. I think I already have this auto recording. So we're already recording. So I'll just jump right in.   Mike (01:55.377) Okay.   Seth Bradley, Esq. (01:57.782) Welcome to Raise the Bar Radio, hosted by yours truly Seth Bradley. We today we've got Mr. Passive, Mike Hoffman. Mike, welcome to the show.   Mike (02:08.189) Thank you for having me fired up to be here.   Seth Bradley, Esq. (02:10.855) Absolutely man, really happy to have you on. I know it's been a little bit of a trek here to get our schedules lined up, but really stoked to have you on today, man. I see you said you moved into a new office. You've got the whiteboard cranking, so love to see it.   Mike (02:25.372) yeah, whiteboards are the only place I can get my thoughts down.   Seth Bradley, Esq. (02:29.399) Yeah, man, it makes a difference when you actually write something rather than type it or even on a mirror board where you're doing it online. just there's something about physically writing something down.   Mike (02:41.328) You know, I'm glad you said that because yesterday I flipped to Seattle for a quick work trip and I didn't have wifi and I literally had three pages of just, I, was so like the clarity of some of these kinds of bigger visions I have now from just being able to write for an hour on a flight was, I was like, man, I gotta do this more often.   Seth Bradley, Esq. (03:00.363) Yeah, for sure. The key though is once you write it down, it just doesn't go into the trash or into a black hole somewhere where you never see it again. So that's kind of the disadvantage there. If you have it on your computer and you're taking notes or you have it on a mirror board, at least it's there to reference all the time. If you write it down on paper, sometimes, I've got my Raze Masters book right here for notes, but it's like, it might go into the abyss and I'll never look at it again. So you gotta be careful about that.   Mike (03:27.184) Yeah, yeah, I need to check out the Miro boards. I've heard a lot of good things about them.   Seth Bradley, Esq. (03:31.467) Yeah, yeah. Awesome, Mike. Well, listen, for our audience who doesn't know anything about you, maybe just tell them, you know, tell them a little bit about your background. Tell them about your your main business and we can take it from there.   Mike (03:43.354) Yeah. So I think for those that don't know about me, I'm a classic Midwest farm boy started with a classic, you know, showing cattle at the county fair and all of that and had a lemonade stand growing up. And then my first job was actually at McDonald's, you know, thinking about the whole success of that business model. But when I was coaching and, out of college, I got my first rental and I was like, wow, this is crazy. making money without.   really much time involved. and then with my work in Silicon Valley, know, Seth, was classic Silicon Valley, you know, cutthroat job that, startup life and traveling three weeks out of the month. And I was on, I was in airports all the time. And was like, these vending machines I would run into at airports were just so archaic. And so I went down this path of like unattended retail and kind of the future of, of that. And that's really where I just see a huge opportunity right now.   And so it's kind of what led me into all these different income streams that I'm passionate about.   Seth Bradley, Esq. (04:49.431) That's awesome, man. Well, let's dive into that a little bit deeper. me about these income streams. It centers around vending machines, right? But I'm sure there's a lot more to it. I'm sure there's a lot of different entry points for people. Maybe just kind of give us a general synopsis to start out.   Mike (05:06.78) Yeah, so I think the big thing with, you know, if we're talking vending specifically as an income stream, you know, most people think of vending as the traditional machines where you enter in a code, you put your card on the machine and then a motor spirals down a Snickers bar or a soda and you go into the chute and grab it.   Nowadays, there's these smart machines that literally you just unlock the door, or even if you go into, land in the Vegas airport right at the bottom of the escalator where it says, welcome to Las Vegas, there's a 7-Eleven with gates and AI cameras, and there's no employees in the 7-Eleven. And it just tracks whatever you grab and to exit the gate, you have to pay for it. So like, there's just this huge market now where we just installed it in urgent care.   less than two months ago and we can do over the counter meds in that machine because it doesn't have to fit into a motor. It's just shelf space. You identify with the planogram with the AI cameras like, okay, Dayquil in this slot or Salad in this slot and then whatever they grab, gets charged to the person that pulls it from it.   Seth Bradley, Esq. (06:15.469) That's interesting, man. Yeah, I mean, my initial thought too, was just like the traditional old vending machine where you're getting a candy bar or a cola out of there. But yeah, nowadays, now that you mentioned that, you see this more and more every single day where you've got these scanners, you've got kind of self-checkout, that sort of thing. So that's kind of, that expands that world and really opens it up to the future, right? Like it just really, that's what we're trying to get to, or at least we think we wanna get there, where we're kind of removing humans and...   kind of working with technologies and things like that.   Mike (06:49.488) Yeah, and I think, you know, removing the whole human thing. mean, those machines still got to get stocked and you know, there's not robots running around doing that. But I just come back to, I was a Marriott guy when I was on the road all the time and I'd go to these grab and goes at a Marriott and grab a, the end of the night, I'd grab like a little wine or an ice cream sandwich. And I literally had to go wait in line at the check-in desk behind three people checking in just to tell them, Hey, put these on.   room charge and I was like if I had a checkout kiosk in that grab-and-go I could have just removed all the friction for this customer experience.   Seth Bradley, Esq. (07:27.772) Right, 100%. Yeah, I mean, there's a place and time for it and there's more and more applications for it that just pop up every single day and you can kind of spot that in your life as you're just kind of moving through, whether you're checking into your hotel or whatever you're doing.   Mike (07:41.456) Yeah, yeah. So that's just kind of what excites me today.   Seth Bradley, Esq. (07:45.973) Yeah, yeah, so when a stranger asks you what you do just in the street, what do you tell them? Because I have a hard time answering that question sometimes too, but I'd love to hear what your answer is.   Mike (07:56.804) Yeah, I would just say it depends on the day. You know, what do you do or what's your, you know, it's like at the golf course when you get paired up with a stranger and they're like, tell me about what you do for your career. And I just say, I'm a classic entrepreneur. And then I'm like, well, what do you do? And it's like, well, tell me about the day. You know, what fire are you putting out? Like today we just got the go ahead for five more urgent cares for our local route. But then, you know, we have a community of operators across the country that we help really build.   Seth Bradley, Esq. (07:57.933) haha   Ha ha ha.   Seth Bradley, Esq. (08:09.879) Yeah. Yeah.   Mike (08:25.616) Vending empires and so we had a group call this morning. So literally, there's a lot of just, you know, it's classic entrepreneurial life. You never know what the day's script is gonna be.   Seth Bradley, Esq. (08:36.161) Yeah, for sure. And you focus a lot on not only on your own business, but also teaching others, right? Teaching others how to kind of break into this business.   Mike (08:45.402) Yeah, that's my passion, Seth. When I got into my first investment out of college was a $70,000 rental, you know, putting 20 % down or 14K and using an emergency fund. like my background in going to college was as a coach. like I knew I wanted to kind of take that mindset of like coaching people, you know, teach them how to fish. I don't want to catch all the fish myself. It's just not fulfilling that way. So that's really where my passion is.   Seth Bradley, Esq. (09:15.373) Gotcha, gotcha. tell me about like, tell me about step one. I mean, how does somebody break into this business? Obviously your own personal business is probably very advanced. There's probably a lot more sophisticated investing strategies at this point and you've got different layers to it. But somebody just kind of starting out that said, hey, this sounds pretty interesting. This vending machine business sounds like it can be passive. How do you recommend that they get started?   Mike (09:40.57) Yeah, so I'm always, I view like the whole vending scale as similar to Major League Baseball. You got your single A all the way up to the big leagues. And if you're just starting out, I always recommend like find a location where you can put a machine and just learn the process. Like to me, that's single A analogy. you know, that always starts with, people want to jump right to like, well, what type of machines do you recommend?   products, how do you price products? And the first question I'll always ask Seth is, well, what location is this machine going in? And they're like, well, I don't know yet. I was just going to buy one and put it in my garage to start. And it's like, no, you need to have the location first. So understanding that, is it a pet hospital? Is it an apartment? Is it a gym? Where is the foot traffic? And then you can cater to what's the best machine for that type of location.   Seth Bradley, Esq. (10:36.887) Got it, got it. Now is this a kind of a rent, you rent the space to place the machine with that particular business or wherever you're gonna place it or how does that all come together?   Mike (10:47.644) not typically, some people are kind of more advanced, like apartment complexes are used to the revenue share model. So they're going to ask for a piece of the pie for sure, for you to put the machine in their lobby. but like, you know, when we're talking urgent carers or even pet hospitals are viewing it as an amenity. And so we probably have, I don't even know how many machines now 75 now, and we, you know, less than half of those actually,   Seth Bradley, Esq. (10:50.423) Okay.   Mike (11:15.1) us rent or ask for a revenue share to have them in there. So I never leave lead with that, but we'll do it if we need to get the location.   Seth Bradley, Esq. (11:23.989) Interesting gotcha. So it's really a value add for wherever you're gonna place it and that's how most people or I guess most businesses would look at that and then you're able to capture that that space   Mike (11:27.366) Mm-hmm.   Mike (11:34.236) Yeah, absolutely. So, um, a great case study is we have a 25 employee roughing business here in Oregon. And you might think like, only 25 employees. It's not going to make that much money. Well, we do $1,200 a month. And the cool thing about this, Seth, is the CEO of this roughing company literally did napkin math on how much it costs for his employees to drive to the gas station during their 20 minute break. And then   How much they're paying for an energy drink at the gas station and then how much gas they're using with the roofing like the work trucks to get to and from the gas station So he's like I want to bring a smart machine into our warehouse Set the prices as half off so that four dollar monster only costs his rofers two dollars and then we invoice him the the business owner every month for the other 50 % and so he actually   Calculated as a cost savings not asking for money to rent the space   Seth Bradley, Esq. (12:35.597) Yeah, gotcha, gotcha. That makes sense. That makes sense. I love the baseball analogy with the single A, double A, triple A, even into the big leagues here. know, a lot of the folks that listen to this are already kind of, you know, in the big leagues or maybe think about some capital behind them. Like how would they be able to jump right in, maybe skip single or double A or would they, or do you even suggest that? Do you suggest that they start, you know, small just to learn and then maybe invest some more capital into it to expand or can they jump right to the big leagues?   Mike (12:48.891) Yeah.   Yeah.   Mike (13:03.966) I think they can jump right to the big leagues. this is, I'm glad you brought this up because just listening to some of your episodes from the past, there's no doubt that you have people that could buy a route like a off biz buy sell today. And I think this is a prime opportunity. it's very similar to flipping a house. you, you know, there's a route in Chicago, I think it was for $1.1 million, you know, whatever negotiating terms or seller financing or, or what have you, got a lot of, your, your   audience that is experts in that. But the cool thing about these routes is they have the old school machines that have the motors and that are limited to, this type of machine, you can only fit a 12 ounce cannon. Well, guess what? The minute you buy that route, you swap out that machine with one of these micro markets or smart machines. Now you just went from selling a 12 ounce soda for $1.25 to now a 16 ounce monster for $4.50.   Well, you just bought that location based on its current revenue numbers and by swapping out that machine, you're going to two or three acts your revenue just at that location. And so it's truly just like a value play, a value upgrade, like flipping the house of, okay, there's a lot of deals right now of these routes being sold by baby boomers where it's like, they got the old school Pepsi machine. Doesn't have a credit card reader on it. They can't track inventory remotely via their cell phones. So   They're not keeping it stocked. Like all those types of things can really play in your favor as a buyer that just wants to get to the big leagues right away.   Seth Bradley, Esq. (14:37.651) I love that. When you say buy a route, what are you really buying? Tell me about the contractual agreement behind that. What are you really buying there?   Mike (14:47.184) You're just buying the locations and the equipment associated with it. So like this Chicago route, it's like, we have machines in 75 properties all across the Chicago suburbs. And they could be medical clinics. could be apartments. could be employee break rooms at businesses, but that's when you start diving into those locations. It's like, I have a snack machine and a soda machine here. Well, you swap that out with a micro market that now instead of.   Seth Bradley, Esq. (14:49.279) Okay. Okay.   Mike (15:13.626) that machine that'll only hold a small bag of Doritos that you charge two bucks, well now you get the movie size theater bags that you can really put in there in a micro market. Like naturally just that valuation of that route based on those 75 machines current revenue, I mean you're gonna be able to two or three X your revenue right by just swapping out those machines.   Seth Bradley, Esq. (15:35.959) Wow, yeah, I love that analogy with real estate, right? It's just like a value add. It's like, how can I bring in more income from what already exists? Well, I need to upgrade or I need to put in some capital improvements, whatever you want to call it. Here's the vending machine upgrades or a different kind of system in there. And you get more income. And obviously that business in itself is going to be worth more in a higher multiple.   Mike (15:58.396) Absolutely. mean, a great example of this is we had a machine in an apartment complex and it was your traditional machine with the motors and you have to enter in the code. Well, we could only put in four 12 ounce drinks and then chips. Well, we swapped that out with a micro market. Well, now that micro market, we literally put in bags of Tide Pods for laundry, like these big bags of Tide Pods. We'll sell those like hotcakes for 15 bucks. And our old machine,   Seth Bradley, Esq. (16:25.281) Yeah, let's say those aren't cheap.   Mike (16:27.246) Yeah, our old machine Seth, it would take us to get to 15 bucks, we'd have to sell eight Snickers. That's one transaction.   Seth Bradley, Esq. (16:33.547) Right, right. Yeah, yeah. How do you do an analysis kind of based on like what you think is gonna sell there, right? Like you're replacing, let's say a Dorito machine with Tide Pods, you know? So you have to individually go to each location and figure out what will work, what will sell.   Mike (16:47.738) Yeah.   Mike (16:51.834) It's all about demographic. Absolutely. So, you know, we have, we have, we have a micro market and a manufacturing plant that's, it's a pumpkin farm and there's a ton of Hispanic workers. So we do a lot of like spicy foods, a lot of spicy chips. do, we do a ton of, mean, the sugar or sorry, the glass bottle cokes. They do, they love their pastries.   Seth Bradley, Esq. (16:53.431) Yeah.   Seth Bradley, Esq. (17:06.349) Yeah.   Mike (17:15.868) So we just doubled down on the demographics. So yesterday I was filming at one of our micro markets that's in a gym and they crushed the Fairlife protein shakes, like the more modern protein shakes, but they won't touch muscle milk. So we're literally taking out one row of muscle milk just to add an extra row of Fairlife shakes. So you're constantly just catering to the demographics and what's selling.   Seth Bradley, Esq. (17:40.632) Yeah, yeah, this is awesome. I mean, this is literally just like real estate, right? Like you go and you find a good market. You're talking about demographics, right? Find the market, see what they want, see how much you can upgrade, how you can upgrade. If it's an apartment, it's a unit. If it's here, it's the product that you're selling and the type of machine, or maybe it's a mini market. A lot of things to kind of tie your understanding to here.   Mike (17:45.926) Yeah.   Mike (18:05.904) Yeah, absolutely.   Seth Bradley, Esq. (18:07.615) Yeah, awesome, man. Awesome, Where are you at in your business? Like what, you know, what are the big leagues looking like right now? You know, what are you doing to expand your business, raising the bar in your business?   Mike (18:18.692) Yeah, I'm going after that's a really good question. I'm going after kind of these newer markets and we're kind of past that point of like, okay, let's pilot in this location. For example, that urgent care, we didn't know if it was going to be a good location two months ago when we installed. Well now it's already crushing it. Well, there's six other urgent cares in town and we just got to go ahead on five of those six. So like for me, it's doubling down on our current proof points of where.   okay, we know that manufacturing plant, the pumpkin farm does really well. So let's start getting intros to all their, manufacturers of the products they need to grow pumpkin. know, like we're just doubling down on scaling because now we have the operational blueprint to really just kind of to go after it.   Seth Bradley, Esq. (19:03.917) Gotcha, gotcha. Tell me about how passive this can really be, right? So I used to have, before we switched over to the new brand, Raise the Bar podcast, it was the Passive Income Attorney podcast, right? I was really focused on passive investments, focused on bringing in passive investors into my real estate deals, things like that. And I think that word passive gets thrown around quite a bit, right? And sometimes it's abused because people get into things that are not truly passive.   Mike (19:18.427) Yeah.   Mike (19:28.784) Mm-hmm.   Seth Bradley, Esq. (19:33.517) What's your take on that as it relates to the vending business?   Mike (19:38.49) Yeah, so I think as far as with the vending business, there's clearly upfront leg work that needs to be done, whether that's finding locations or any of those things. So I have a route that is here in Oregon, and then we bought a route last year in Illinois and have scaled that route. I spend 30 minutes a week on each route now. that these urgent cares and stuff, like we have an operator that's running the whole route.   Here's the problem, Seth. It's like people are so scared to build systems to ultimately systemize things or they're too cheap to hire help. And I'm the opposite. like, you know, kind of like Dan Martell's buy back your time. Like I have like a leverage calculator and like I constantly think about is this worth my time? Cause as you know, you're busier than me. Like it's so limited.   for me, my routes, I would consider them passive, like one hour a week is, is nothing in my mind. But as far as like, you know, I'm, I'm also a passive investor on, we're building a, an oil loop station in Florida and I sent my money a year ago to, to my, active investor and I haven't talked to him since. Like that's actually truly probably passive now, you know, I'm not doing anything, but there's, there's different levels to that. And I'm a huge believer like.   don't delegate something until you know what you're delegating. So people that want to start with the vending routes, sure, if you want to buy a route that already has an operator, that's one thing. but these, if you're starting a vending route for your kid or for your stay at home wife or whatever, as a side hustle, like get in the weeds and install that first machine. So when you hire help to take over the route, you know what you're delegating.   Seth Bradley, Esq. (21:09.773) Mm-hmm.   Seth Bradley, Esq. (21:27.021) Yeah, that's key. That's key. And you you described just like any other business, right? I think that's kind of where people get themselves into trouble. That sometimes they get sold the dream that is truly passive. And eventually it can be. I mean, you're talking about an hour a week. To me, that's pretty damn passive, right? But you know, upfront, you you've got to learn the business. You've got to know what you're getting yourself into. Like you said, you've got to learn before you delegate so that you know what you're delegating.   There is going to be some upfront work and then as you're able to kind of delegate and learn Then you can make it more and more passive as you go   Mike (22:00.88) Yeah, I mean, it's no different than what's the same when people tell you that they're busy. I mean, you're just not a priority. Like that's a fact. you're not. People say it's the same thing when people come to me and they're like, I'm so busy. It's like, okay, well let me, let me see your schedule. Where are you spending your time? You know, it's like when people are like, I can't lose weight. Okay, well let me see your food log. What did you eat yesterday? Did you have ice cream? Like this is like the same kind of thing. That's where passive I think has been really abused.   Seth Bradley, Esq. (22:16.097) Yeah. Yep.   Mike (22:29.638) To me, the bigger issue is like, vending is not get rich quick. And so like, if you're expecting to leave your nine to five tomorrow and vending is going to make up for that in one day, like that's not going to   Seth Bradley, Esq. (22:41.089) Right, Makes sense. Speaking of passive, do you raise capital or do you have any kind of a fund or have you put together a fund for something like this?   Mike (22:51.48) We haven't put together a fun, we're definitely buying routes is definitely becoming more and more intriguing. And I know there's some PE players starting to get into the vending game, but it's something we've been definitely considering and on our radar of do we want to.   Seth Bradley, Esq. (22:58.541) Mm-hmm.   Seth Bradley, Esq. (23:10.231) Gotcha. Cool. I mean, you brought in money partners for some of those routes yet, or is that still something you're exploring too?   Mike (23:18.168) No, I think it's just something we're thinking about. mean, what do you recommend?   Seth Bradley, Esq. (23:21.089) Yeah. Yeah. Well, I'd recommend I mean, it depends, right? Like I'm I'm scared to turn you by trade, but I don't like to say you should always raise capital no matter what. Right. Like you've been able to scale your business as you have and grown it to where it is without bringing outside capital. It sounds which is great because you own 100 percent or with whatever business partners you might have. You know, when you start raising capital, you're giving a large chunk of that piece away, not necessarily your whole company. But if you're buying   you know, a set of routes or that sort of thing. You you're gonna give a big piece away to those past investors if you're starting a fund or even if it's up. Even a single asset syndication here for one of these, you know, these routes, you could put it together that way. You know, it's just something to consider. But a lot of times when people are looking to scale fast, right, if they wanna grow exponentially, you've gotta use other people's money to get there or hit the lottery.   Mike (24:08.294) Mm.   Mike (24:15.856) Absolutely, no, agree. That's spot-on and I actually before you know the Silicon Valley company That I was part of we had a we went through probably series a B C D C ground   Let's just say we weren't very fiscally responsible. So I come from the, you know, it's like the ex-girlfriend example. I don't want to just start taking everyone's money.   Seth Bradley, Esq. (24:42.413) Yeah, yeah, that tends to happen with some startups, right? Like before you get funding, you're super frugal because it's your money and every single dollar counts. And you're like, I don't want to pay, you if it's software, you don't want to pay the software engineers. I'm going to out, you know, put it, you know, hire Indian engineers, that sort of thing. And then once you get a few million bucks that you raised in that seed round, then it just goes and you're like, whoa, wait a minute, let's hire 20 people. You know, it's you got to be careful about that.   Mike (25:05.606) Yeah   Yeah, yeah, that's a great, great take on it.   Seth Bradley, Esq. (25:11.245) Yeah, it's, yeah. It's a question I love to ask and I think it's about time for that. So, in a parallel universe, tell me about a different version of you. So a different but likely version, right? Like, for example, for me, I went to med school for a year and a half and then I dropped out and I ended up becoming an attorney. So that was like a big turning point, right? So I could have easily at some point just said screw it and became a doctor and that would have been a totally different route than I'm going down right now.   What's an example of something like that for you?   Mike (25:42.524) Wait, are you being serious about that? I took the MCAT too. I got into med school and then I, yeah, I was pretty mad in school. And then the more I learned about exercise science, I was like, organic chemistry is not fun.   Seth Bradley, Esq. (25:44.321) Yeah, totally.   yeah? There you go.   Seth Bradley, Esq. (25:57.39) It is not fun. I did not love that. I majored in exercise physiology and then I ended up switching to biology because it was just a little bit of an easier route to get my degree and go into med school and I went for a year and a half and then I dropped out because I absolutely hated it. I knew I didn't want to do it. I was just more attracted to business and that sort of thing.   Mike (26:16.346) Yeah, that's crazy. That's awesome. parallel universe. I, that's a really good question. I don't know. I, kinda, I have two kids under three and the other side of me wishes I would have traveled more.   you know, I mean, we'll get there hopefully when they get out of high school and someday. But right now I just think there's so many different cultural things and ways to skin the cat. And it's just fascinating to learn some of those things.   Mike (26:55.352) yourself in those cultures.   go to different cultures and really like understand how they did things for a time, a period of time to really just learn their thinking.   Seth Bradley, Esq. (27:07.777) Yeah, I love that man. I had a similar experience of what you're describing. I didn't travel abroad really other than like, you know, Canada and Mexico until I studied abroad in Barcelona during law school and I got to stay there for a couple of months. So you actually had some time. It wasn't like you're just visiting for a week or a weekend or anything like that. You got to kind of live there right for a couple of months and it just totally changed my, you know, my outlook on life and just the way that you see things like I feel like we're in the US and we just think   Mike (27:19.627) Seth Bradley, Esq. (27:37.76) US is number one and there's only one way to do things the way that we do things that kind of attitude. And then when you go to Western Europe and you see that culture and you drive or get on a train, it's like an hour away and you're in a totally different culture and they're doing it a certain way as well and it's working. You just see that other people are doing things differently and still being successful at it, still having a thriving culture and it's just awesome to see.   Mike (28:03.312) Yeah, absolutely.   Seth Bradley, Esq. (28:06.251) Yeah. Tell me about some major influences in your life. What turned you or got you into that, the vending business? It's not one of those typical things. mean, I know you're in the education business, so you're kind of really spreading the word about this type of business. But I would say when you started, there might not have been a mastermind or educational courses around this. mean, how did you kind of get drawn into that? Were there any particular people or influences that brought you in?   Mike (28:29.308) you   Mike (28:36.188) Yeah. So the, biggest influence for me to get into vending, uh, wasn't actually a person. It was actually, was, um, I had landed, I was coming back from the Pentagon from a trip back to the Bay for the startup we were talking about. And I was in the Denver airport and 11 PM, you know, our flight was delayed. And then they're like, Hey, you have to stay in the airport tonight. The pilot went over their hours for the day, blah, blah, blah. So I went to a vending machine and I remember buying a bottle of water.   I think it costs like at the time three bucks or something. I knew that bottle of water cost 20 cents at Costco. And I was like, there is someone that's at home with their kids right now making money off me and they're not even at this mission. Like the machine is doing the work. So I had like an aha moment of like, what are my true priorities in life? And like, why am I chasing this cutthroat startup from.   Palo Alto and trying to make it when reality was my priorities are freedom to spend more time with my family. So that's really kind of what led me into this path of starting a vending machine side hustle to keep our lifestyle as we had kids. We wanted to have a nanny and we wanted to be able to still go on dates and things like that as a couple with my wife. So that's really kind of my family and just like...   having the freedom to do things. Like that's what I'm really passionate about.   Seth Bradley, Esq. (29:59.084) Yeah. Yeah. I mean, building on that, and you may have already answered that, but what does success look like for you?   Mike (30:01.766) next   Mike (30:06.268) an empty calendar.   Seth Bradley, Esq. (30:08.621) Good luck with that. Good luck with that.   Mike (30:11.516) Oh man, I was gonna say, how do we crack that code? No, yeah. No, but I think success to me is doing things like picking up my daughter at three and even being able to say no to the things that aren't gonna get you to where you need, like the discipline piece of this too.   Seth Bradley, Esq. (30:15.708) man.   Seth Bradley, Esq. (30:33.995) Yeah, yeah, mean, you know, for me, it's kind of similar, right? It's not going to be able to empty that calendar. Not yet, at least maybe here in the future. But for now, it's pretty filled. But it is it's flexible, right? Like us as entrepreneurs, you know, we probably work more than we ever worked when we were in our W-2s. But at the same time, it's you know, we're working in our own business for ourselves, for our families. And we have the   Flexibility, a lot of people will say the freedom, right? But we have the flexibility to move things around. And if you want to pick your kids up at school at three, or you do want to take a weekend off, or something comes up in your schedule, you have the flexibility to do that. Whereas if you're kind of slaving away at the nine to five, you can't really do it.   Mike (31:04.486) Yeah. Yeah.   Mike (31:20.198) Yeah, that's spot on. mean, I just wrote that down, but flexibility is, cause you're right. When you started becoming an entrepreneur, this is what I tell people all the time when they want to get a venting around is like running your own business. You are going to work harder than you do for your boss currently at your W-2. Like you have to do payroll. You have to do, like you gotta like make sure there's money to actually do pay, you know, like all those things that you just don't even think about when you have a W-2. It's like, today's   Seth Bradley, Esq. (31:39.543) Yeah   Mike (31:48.89) You know, this Friday I get paid. Well, when you run a business, mean, that money's got to come from somewhere.   Seth Bradley, Esq. (31:51.905) Yeah   Right, yeah, 100%, man, 100%. All right, Mike, we're gonna wrap it up. Thanks so much for coming on the show. Tell the listeners where they can find out more about you.   Mike (32:05.286) Yeah, so thanks for having me. This has been great. I have free content all over the place. can find me on the classic Instagram, Twitter, YouTube, but I also have vendingpreneurs.com is where we help people that are more interested in actually the vending stuff. But I've been really trying to double down on YouTube lately because there's just a lot of content and you can't get it off a one minute reel.   Seth Bradley, Esq. (32:32.417) Love it, man. All right, Mike, appreciate it. Thanks for coming on the show.   Mike (32:35.91) Thanks for having me.   Seth Bradley, Esq. (32:37.227) Hi brother. Alright man, got a couple more questions for you. We do like a quick, kind of do the full podcast episode and then I'll just do kind of a quick episode that'll follow up on a Monday and then another one on a Friday. Cool.   Mike (32:55.814) See you.   Seth Bradley, Esq. (32:59.693) We out here.   Welcome to Million Dollar Mondays, how to make, keep, and scale a million dollars. Mike is a super successful entrepreneur in the vending machine business and beyond. Tell us, how did you make your first million dollars?   Mike (33:20.922) Yeah, Seth. It was probably actually through real estate and just getting a little bit kind of lucky with timing with COVID and short-term rentals and some of that. But yeah, that's probably how I got the first million.   Seth Bradley, Esq. (33:25.229) Mm.   Seth Bradley, Esq. (33:37.079) Gotcha, cool. Yeah, real estate usually plays a role in the everybody's strategy down the line, whether they're in that primary business or not, whether they start out there or they end up there, real estate usually plays a part. How'd you make your last million?   Mike (33:53.956) Yeah, that's a good question because it's completely different than real estate, but it's actually been vending machines. So that's been kind of fun. just, you you talk about product market fit whenever you're an entrepreneur with a business. And that was just kind of the perfect storm right now of traditional vending really kind of being outdated. And we found a product market fit with it.   Seth Bradley, Esq. (33:57.57) Right. Yeah.   Seth Bradley, Esq. (34:16.215) Gotcha. Cool. that was from, was this maybe mostly attributed to kind of buying those routes, those larger routes?   Mike (34:23.32) Exactly. Yeah. Buying old school routes and really kind of flipping them like a house with modern micro markets charging, with different products and what would fit in a vending machine, like more of the unorthodox, you know, toilet paper and tide pods and things that wouldn't fit in a traditional vending machine. I mean, we'll sell $35 bottles of shampoo in these micro markets. So just kind of, go and add it in a different way.   Seth Bradley, Esq. (34:49.857) Yeah, and then with the aging population, there's gotta be more and more of these things popping up. So there should be more opportunity for people to get involved or for people like yourself to just snag everything, right?   Mike (35:01.102) Yeah, I think there's no chance I could snag everything, not even just in this town alone that I'm currently in. I mean, machines are getting cheaper, the technology is getting way better with AI. And nowadays, it's not what fits in a vending machine motor. It's okay, what's shelf space? if it's a bottle of shampoo or a glass Coke, it doesn't matter because it's not just getting thrown down the chute of a traditional machine.   Seth Bradley, Esq. (35:05.387) Yeah.   Seth Bradley, Esq. (35:27.521) Makes sense, makes sense. Last, how are you planning on making your next million dollars?   Mike (35:34.3) I think probably with AI, we're doing a lot of interesting stuff with helping people scale their, their vending routes. that is applicable to any, small business. And so I'm really intrigued. Just every time I go down a rabbit hole with some new AI tool, I feel like there's another better one that just came right behind it. So I just think it's kind of that time where you can really get ahead by just learning.   Seth Bradley, Esq. (36:06.209) Yeah, totally makes sense. mean people that are not paying attention to AI whether it's simply using chat GPT instead of Google search are getting left behind quickly because it's just advancing so fast. I can't even imagine what this world's gonna look like five years from now the way that things are moving.   Mike (36:23.132) It's crazy. Three years ago when I was working for a tech company selling software into the government, I would have to work with three secretaries to schedule a meeting with the general to sell their software. Now my EA is literally an AI bot and everyone that's scheduling time on my calendar, they don't even know they're talking to a non-human, which is pretty   Seth Bradley, Esq. (36:43.479) Yeah, 100%. We're gonna, I predicted within five years, everybody's gonna have a humanoid robot in their home with AI instilled and they're gonna be doing physical things for us at our homes. Yeah. Yep. Yep. 100%. Awesome, All right, moving on to the next one.   Mike (36:50.181) Yeah!   Mike (36:57.917) I hope so. I hope they can go to Costco get all our groceries do our do our laundry The dishes   Seth Bradley, Esq. (37:11.501) You're clearly in the top 1 % of what you do, Mike. What is it about you that separates you from the rest of the field?   Mike (37:19.056) Ooh, that's a good question, Seth. I think it's just discipline, know, discipline and focus. One of the hardest things is being able to say no with the things that don't align. And when I was growing up, I had a quote that has really stuck with me. That's like, it's better to be respected than liked. And I think that really resonates. Like naturally as a human, you want to be liked and help people, but the 1 % are really good at saying no.   Seth Bradley, Esq. (37:47.649) Yeah, I love that man. That's a great answer. Kind of building on that, what do you think the number one attribute is that makes a successful entrepreneur?   Mike (37:57.468) probably focus. Yeah. Yeah.   Seth Bradley, Esq. (37:59.212) Yeah, focus. Yep. The one thing, right? The one thing.   Mike (38:04.186) Yep. That's why you come back to like the most successful entrepreneurs. They always niche down and they niche down because they just, got hyper-focused. Like this is kind of why for me, you know, I started this passive Mr. Passive on social media before I even got into Vendi. Well, now everyone's like, well, how passive is Vendi? And well, it's like, what's really interesting is I was posting all these different, what I thought passive income streams in the time, but everyone, 95 % of the questions I got about   Airbnbs are all my different investments was about bending. So I just niche down on, on bending and I just looked back on that and I was like, it really forced me to focus.   Seth Bradley, Esq. (38:43.263) Awesome, awesome. What's one thing someone could do today to get 1 % closer to success in the vending machine business if they are really interested in learning more?   Mike (38:53.892) tap into your connections and find a location that has high foot traffic, whether that's a friend that works at an urgent care, a sister that lives at an apartment. You know, you take your kid to that gymnastics studio that has a ton of foot traffic between 4 PM and 8 PM. Like all those locations are prime locations to put one of these modern smart machines in. so, tapping into your connections, well, you know,   Seth Bradley, Esq. (39:24.567) Love that man. Awesome. All right, Mike, I appreciate it, brother. We'll to meet in person sometime,   Mike (39:30.574) I would love to. Where are you based, Seth?   Seth Bradley, Esq. (39:31.789) I'm in San Diego, where you at?   Mike (39:34.78) I am in Eugene. Yeah, Oregon. I'll come down your way though.   Seth Bradley, Esq. (39:37.39) Cool We're planning on doing yeah, we're planning on doing so me and my wife we have a Sprinter van and Last May we did we did going back to the flexibility piece, right? We did 32 days in the van up through Wyoming Montana and then into like Into Canada and they're like Banff and Jasper and all the way up to Jasper and then we circled back on the west coast Through Vancouver and then down back to San Diego Yeah   Mike (40:05.52) What?   Seth Bradley, Esq. (40:06.829) Pretty wild, pretty awesome. And the reason I brought that up is this year we're gonna do shorter trip. We're probably gonna do two, maybe three weeks at the most, but we're gonna do kind of the Pacific Northwest. So Oregon, Washington, and Vancouver and all those parks and stuff up there.   Mike (40:17.254) Yeah.   Mike (40:21.744) Yeah, you definitely have a, have you been to Bend before? Bend is like my, that whole area, Central Oregon is, and even Idaho, like all those kind of, yeah. That's awesome. Please let me know when you're up this way. I mean, I'll come meet you wherever. That'd be amazing. Absolutely. Yeah. Awesome. Yeah.   Seth Bradley, Esq. (40:24.641) Yeah, yeah I have.   Seth Bradley, Esq. (40:38.861) Sure man grab a coffee or beer. I appreciate it. Yeah, let's do it. Yeah all right brother great to meet you and I will send the information on when this is gonna get released and give you you materials and all that stuff so we can collaborate on social media   Mike (40:51.964) Okay. Okay. Yeah. Is a lot of your audience, like passive investors?   Seth Bradley, Esq. (40:58.593) So most of that, so now I'm rebranding. I rebranded because I'm gonna be speaking more towards like active entrepreneurs, Active entrepreneurs, people raising capital, that sort of thing. Whereas before it was based on passive investors and people really focused on attorneys. So I'm an attorney and I was raising capital from attorneys for my real estate deals. Now I'm really more into selling shovels. I'm scaling my law firm. I'm chief legal officer for Tribest, which is, we've got a fund to fund.   Mike (41:20.262) Mm-hmm.   Seth Bradley, Esq. (41:28.085) legal product there as well. So we're really trying to bring in active, active entrepreneurs and people raising capital.   Mike (41:29.777) Yeah.   Mike (41:36.572) Okay, because I got that, I was just thinking through when we talking about that oil development project, that could be a good, the guy that runs that fund could be a good interview for you. Just thinking through your audience, because he's always looking for investors into his fund and like these oil lubs are just crushing it.   Seth Bradley, Esq. (41:49.901) Cool. Yeah.   Seth Bradley, Esq. (41:58.464) Yeah, cool. Who is it? Just, I don't know if I know him or not.   Mike (42:02.183) Um, Robert Durkey, he's out of Florida. has, his problem is he's sitting on a gold mine that has no, like he's old school, doesn't know social media, any of that. So that's why I think he'd be perfect for you. Cause I think you could help him and he could definitely help you with some kickback. Yeah. So cool. Yeah. Yeah. Yeah. Hopefully we meet soon. Okay. See you Seth. Bye.   Seth Bradley, Esq. (42:05.645) I don't think I know. I don't think I know.   Seth Bradley, Esq. (42:13.889) Yeah. Gotcha.   Seth Bradley, Esq. (42:20.705) Cool, okay, sounds good man. Yeah, I appreciate the introduction.   Yeah, all right brother. Talk soon. See ya. Links from the Show and Guest Info and Links: Seth Bradley's Links: https://x.com/sethbradleyesq https://www.youtube.com/@sethbradleyesq www.facebook.com/sethbradleyesq https://www.threads.com/@sethbradleyesq https://www.instagram.com/sethbradleyesq/ https://www.linkedin.com/in/sethbradleyesq/ https://passiveincomeattorney.com/seth-bradley/ https://www.biggerpockets.com/users/sethbradleyesq https://medium.com/@sethbradleyesq https://www.tiktok.com/@sethbradleyesq?lang=en Mike Hoffman's Links: https://www.instagram.com/mikehoffmannofficial/ https://x.com/mrpassive_?lang=en https://www.linkedin.com/in/mikedhoffmann/ https://www.tiktok.com/@mr.passive

Christensen o Araújo podrían salir si llega una buena oferta y ya trabajan en el adiós de Héctor Fort e Iñaki Peña.

Christensen o Araújo podrían salir si llega una buena oferta y ya trabajan en el adiós de Héctor Fort e Iñaki Peña.

Christensen o Araújo podrían salir si llega una buena oferta y ya trabajan en el adiós de Héctor Fort e Iñaki Peña.

Pełnej wersji podcastu posłuchasz w aplikacji Onet Audio. W najnowszym specjalnym odcinku podcastu "Raport Międzynarodowy" prowadzący Zbigniew Parafianowicz i Witold Jurasz rozmawiają z wicepremierem i ministrem spraw zagranicznych Radosławem Sikorskim. Zaczną od najbardziej palących kwestii związanych z prognozowanym zawieszeniem broni między stroną ukraińską i rosyjską. Na jakich zasadach podpisany zostanie pokój między Kijowem a Moskwą i czy niezmiennie wysoko licytująca w tej rozgrywce Rosja uzyska wszystko to, o co walczyła od początku? Czy sankcje nałożone na Putina przez Zachód zostaną wycofane wraz z ustabilizowaniem sytuacji? Jakie są, jeśli to w ogóle nadal realne, perspektywy Ukraińców na przystąpienie do NATO - czy Sojusz Północnoatlantycki podtrzyma doktrynę otwartych drzwi? W końcu jakie znaczenie pokój ten będzie miał dla Polski - w wymiarze politycznym, ekonomicznym i energetycznym.

No episódio de hoje do Pelas Pistas Podcast os hosts comentaram os resultados do GP da Bélgica, que teve dobradinha da McLaren no pódio, com vitória de Oscar Piastri e terceiro lugar para Charles Leclerc, da Ferrari. Lewis Hamilton também se destacou com uma ótima escalada durante a corrida.Foi um bom fim de semana para o brasileiro Gabriel Bortoleto, que somou mais um ponto na corrida e foi bem tanto nas classificações quanto na sprint.O episódio também debate quais novatos merecem renovar contrato para 2026 e quais estão em situação mais delicada. E, claro, discutimos o tema que gerou polêmica: por que a corrida não aconteceu na chuva? Há soluções para melhorar a visibilidade e garantir disputas molhadas no futuro?Ainda falamos sobre os brasileiros pelo mundo e a Fórmula Indy.Este episódio é patrocinado por BYD e PitStop.BYD Song Pro: O super hibrido com a melhor eficiência do mercadohttps://www.byd.com/br/car/song-pro-dmi PITSTOP Faça seu pedido na loja, whats ou site! https://www.pitstop.com.br/#PeçaÉNaPitstopPatrocine o Pelas PistasEntre em contato com nosso time comercial:pelaspistas@pod360.com.brLoja Oficial Pelas Pistas Podcast https://pelaspistas360.com.br/ Redes sociais: @‌pelaspistas360   / pelaspistas360   Apresentadores: Thiago Alves, Christian Fittipaldi e Nelsinho Piquet Direção Executiva: Marcos Chehab e Tiago Bianco Direção de Conteúdo: Felipe Lobão Produção: Kal Chimenti Captação de áudio: Willian Souto Redes sociais e Captação de Vídeo: Guilherme DiazGP da Bélgica, vitória de Piastri, ponto de Bortoleto, corrida na chuva? Indy #PelasPistasPodcast

Guvernul Bolojan, a șasea încercare de reformare a pensiilor speciale. Cum au eșuat primele cinci (Libertatea) - Puteau fi prevenite inundațiile, cu decese, din Suceava și Neamț? Apele Române: Este nevoie de implicarea mai multor instituții (Europa Liberă) - Cazul Pieleanu – chiar dacă studenții i-au boicotat cursul tot semestrul, profesorul continuă să predea la SNSPA. Andreea, studentă, 19 ani: „A încuiat ușa cu cheia și mi-a zis «Stai jos»” (HotNews) Guvernul Bolojan, a șasea încercare de reformare a pensiilor speciale. Cum au eșuat primele cinci (Libertatea)  Premierul Ilie Bolojan a ieșit, marți, 29 iulie, într-o conferință de presă, în care a anunțat că are loc o nouă încercare de reformare a pensiilor speciale, cu precădere cele ale magistraților, unde crește vârsta standard pensionare la 65 de ani, iar maximumul cuantumului pensiilor să fie de cel mult 70% din ultimul salariu net, nu 80% din brut, cum e în prezent. De asemenea, ar putea fi pensionări timpurii din sistem, dar în jur de 58 de ani, pentru cei care lucrează din timp în magistratură, însă ar pierde 2% din pensie pentru fiecare an înainte de 65 de ani. Guvernele și legislaturile din ultimii șase ani, fie într-un mod mai serios, fie doar prin mimare, au încercat să reformeze sistemul pensiilor speciale, prin eliminare, supraimpozitare sau alte prevederi, scrie Libertatea. Executivul Bolojan e ultimul care încearcă o asemenea reformă, singurul succes fiind însă pe vremea Cabientului Boc, care a reuşit să scape de pensiile speciale ale parlamentarilor. Iar acest lucru se întâmpla în iunie 2010. Pensiile speciale, greu de „ucis”. Un profesor constituțional explică de ce reforma justiției oscilează mereu între două extreme (Adevărul) Premierul Ilie Bolojan a anunțat, marți, o nouă încercare de reformă a pensiilor speciale, după ce în ultimii 15-20 de ani au existat mai multe tentative nereușite de a rezolva această problemă. Doctor în drept constituțional și conferențiar universitar la Facultatea de Științe Politice a Universității București, Bogdan Iancu explică, într-un interviu pentru „Adevărul”, care sunt marile piedici în calea acestei reforme și din ce cauză au eșuat toate încercările de până acum. „Nu trebuie demonizată o categorie socio-profesională atât de importantă. Trebuie corectate carențele structurale, dacă și cât se poate”, avertizează expertul. „CSM seamănă însă tot mai mult cu o organizație sindicală, tot mai puțin cu garantul independenței justiției”, adaugă Bogdan Iancu. În Germania, un judecător de Amtsgericht, judecătoria lor, are un venit salarial de încadrare de 4.472 până la 4.820 euro. Crește prin promovare până la final de carieră, dar nu peste 8.000 și ceva, treapta cea mai înaltă, creșterea cea mai mare. Salariul mediu net pe economie în Germania e circa 2.700 euro. Judecătorii germani ies la pensie la 67 de ani, cu pensii care nu pot depăși 71,75 % din salariu și sporuri. „Există un studiu interesant care ne arată că reformele „justiției” sunt ciclice, de la independență extremă la dependență extremă. Noi nu ne găsim niciodată echilibrul, nici nu prea tindem către el”. Integral în ziar. Puteau fi prevenite inundațiile, cu decese, din Suceava și Neamț? Apele Române: Este nevoie de implicarea mai multor instituții (Europa Liberă) Inundațiile masive din județele Suceava și Neamț, în urma cărora trei persoane au murit, au fost provocate în primul rând de ploile abundente, dublate însă de scurgerile foarte rapide de pe versanți, favorizate de lipsa unor măsuri care să le împiedice, potrivit specialiștilor de la Apele Române. Orașul Broșteni, din județul Suceava, cunoscut la nivel național drept cel mai mare oraș – ca întindere – din țară, de două ori mai mare ca a Bucureștiului, a ajuns în centrul atenției, în ultimele zile, în urma unor evenimente devastatoare pentru localitate. Debitul râului Bistrița a atins valori istorice și a crescut în doar 12 ore de peste 20 de ori, depășind cota de pericol în județul Neamț și cota de inundații în județul Suceava. „La Broșteni, peste 50% din oraș și localitățile aparținătoare sunt grave afectate”, spune pentru Europa Liberă președintele Consiliului Județean Suceava, Gheorghe Șoldan. Inundațiile puternice din Suceava și Neamț sunt rezultatul „unui efect cumulat, între cantitățile foarte mari de precipitații cu scurgerile de pe versanți, care practic au condus la o creștere foarte rapidă a debitului”, explică pentru Europa Liberă purtătoarea de cuvânt a Administrației Naționale Apele Române (ANAR), Anamaria Agiu. Instituția gestionează portalul inundații.ro, unde sunt prezentate hărți ale riscului la inundații, realizate în cadrul unui proiect cu finanțare europeană. Pe harta principală a portalului, orașul Broșteni nu apare ca fiind în zonă de risc.   INVESTIGAȚIE. Cazul Pieleanu – chiar dacă studenții i-au boicotat cursul tot semestrul, profesorul continuă să predea la SNSPA. Andreea, studentă, 19 ani: „A încuiat ușa cu cheia și mi-a zis «Stai jos»” (HotNews) Premierul României a vorbit, ministrul Educației s-a pronunțat, iar partide din opoziție cer comisie parlamentară. Au fost multiple reacții după ce Snoop a prezentat mărturii ale femeilor care vorbesc despre abuzurile sexuale ale profesorului Marius Pieleanu, pe care acesta le neagă. Ce se întâmplă la SNSPA 32 de studenți SNSPA au cerut, în mai, într-o scrisoare „cǎtre instituția în care ar fi trebuit sǎ ne simțim în siguranțǎ”, un cadru normativ clar și transparent împotriva hărțuirii sexuale, cu mecanisme sigure de raportare. Nu au primit răspuns. După dezvăluirile din cazul profesorului Alfred Bulai, SNSPA a cercetat și plângerile la adresa lui Marius Pieleanu. Pe 10 februarie, cazul s-a clasat. Hotărârea nu e publică la 5 luni după ce a fost luată. Mai multe pe HotNews.ro.

De mai bine de un deceniu se vorbește despre schimbarea pensiilor speciale. Acum, premierul Bolojan face și vorbește mai puțin. Va fi, însă, un proces complicat care are în față încă multe obstacole. Legal, se numesc pensii de serviciu. Popular, li se spune pensii speciale, chiar dacă beneficiarii sau viitorii beneficiari nu suportă termenul și îl folosesc doar pe cel înscris în lege. De ce pensiile de serviciu sunt speciale? Pentru că au trei caracteristici pe care nu le întâlnim la pensiile normale. Prima este vârsta de pensionare. Magistrații ies acum la pensie dacă au o vechime de 25 de ani, ceea ce înseamnă că mulți dintre ei se retrag din activitate între vârstele de 47 și 49 de ani. Aceste prevederi legale nu sunt nicidecum justificate, pe de o parte, pentru că vârsta standard de pensionare este acum de 63, respectiv 65 de ani, pentru femei și bărbați. Pe de altă parte, ieșirea la pensie la vârste atât de „fragede” creează probleme de personal pentru instituțiile din sistemul de justiție. A doua caracteristică este dată de modul de calcul al pensiei. Acum, cuantumul pensiei reprezintă 80% din ultimul salariu brut. Este evident o aberație economică, pentru că un salariu net înseamnă aproximativ 60% din cel brut. 80% din brut este totdeauna mai mare decât 60% din aceeași sumă. Cu alte cuvinte, pensia va fi mai mare decât salariul, desigur cu excepția situației în care în timp salariile cresc, iar pensiile rămân pe loc. Dar, și pensiile cresc, măcar cu rata inflației. Să nu uităm că pentru pensiile bazate pe contributivitate rata de înlocuire, adică valoarea pensiei față de ultimul salariu este de numai 50%, ceea ce ne arată diferența între pensiile de stat și cele speciale. A treia caracteristică este o combinație între cele două. Pensiile speciale ale magistraților sunt mult diferite de cele plătite din contribuțiile de asigurări sociale de stat. Prin vârsta de ieșire la pensie, prin modalitatea de calcul, prin lipsa contributivității, dar mai ales prin diferența majoră de cuantum între pensiile de serviciu ale magistraților și pensiile de stat. Concret, media pensiilor magistraților este de 25.000 de lei, în timp ce pensia medie din asigurări de stat este de numai 3.000 de lei. Deocamdată, focalizarea este pe pensii. Dar, un calcul simplu arată că pentru a obține o pensie de 25.000 de lei este nevoie ca ultimul salariu brut să fie, în medie, de 30.000 de lei. Nu este deloc o sumă de neglijat chiar și pentru categorie profesională importantă, o putere independentă în stat, care are și o serie de restricții legale în ceea ce privește viața socială și economică. Dar, prezentarea de ieri a premierului Ilie Bolojan ne-a adus și câteva informații de-a dreptul uimitoare și anume numărul de procese deschise în instanță pe teme legate de salarizare. Temele sunt de obicei cele legate de așa-zisa discriminare salarială, de sporuri sau de valoarea de referință sectorială. 20.000 de acțiuni în instanță care s-au soldat cu plăți făcute de la buget în valoare de 10 miliarde de lei, iar hotărârile judecătorești și plățile vor continua, chiar și eșalonate în timp. Ce își propune noua lege? Câteva lucruri simple și clare și anume creșterea vârstei de pensionare la 65 de ani, cu excepții în anumite condiții, în sensul că o pensionare anticipată va presupune și o reducere a valorii pensiei. De asemenea, calculul pensiei se va schimba, în loc de 80% din salariul brut se va trece la 55% din media indemnizațiilor de încadrare brute și a sporurilor din ultimele 60 de luni, dar nu mai mult de 70% din ultimul salariu net. Magistrații au schițat ieri primele proteste publice. Un magistrat, membru al Consiliului Superior al Magistraturii, acuză că prin proiectul de lege se încearcă „distrugerea unei puteri în stat”. Nu mă pot pronunța asupra performanțelor profesionale ale magistraților. Dar, din punct de vedere economic, prevederile propuse de guvern sunt o normalitate. Este greu de crezut că se poate distruge statul de drept dacă magistrații vor avea o pensie medie nu de opt ori mai mare decât pensia medie de stat, ci doar de cinci ori. Sau dacă magistrații se vor pensiona la 65 de ani. Bunul simț economic nu poate distruge statul de drept, ci îl poate consolida.

Festivalul Strada Armenească revine între 1 și 3 august 2025 în Grădina Botanică „Dimitrie Brândză” din București. Și în acest an, festivalul își extinde aria de expresie dincolo de muzică și dans, propunând un program amplu de expoziții, ateliere participative și discuții. Dezvoltam acest subiect într-o discuție cu invitata emisiunii RFI360, Silvia Terzian, directoarea Festivalului Strada Armenească. Pe scena Festivalului Strada Armenească vin din Republica Moldova Zdob și Zdub, trupa-fenomen care a dus rockul basarabean pe marile scene ale lumii, Surorile Osoianu, recunoscute pentru păstrarea și rafinamentul interpretării cântecului tradițional moldovenesc și Frate Gheorghe & mica orchestră, ce aduc laolaltă influențe tradiționale, poezie și improvizație. România este reprezentată de Fanfare Ciocârlia, una dintre cele mai cunoscute fanfare din lume, de Robin and the Backstabbers, emblemă a scenei alternative locale, de Corina Sîrghi & Taraf, cu un repertoriu de romanțe și tangouri urbane. Din Armenia sosesc muzicienii de la Gata Band, cu jazz-ul lor etnic vioi și dansant, și legendara trupă The Bambir, activă de peste patru decenii, cu un sunet ce reunește rock progresiv, folclor și lirism balcanic. Atmosfera va fi completată de o serie de DJ sets și intervenții live susținute de Miko Baghdasarian ft. Skior și invitații lor speciali din Armenia și Ligia Keșișian ft. Lucas Molina. TALKS – Istorii personale, vocații colective Sâmbătă, 2 august, de la ora 16:30, la Biblioteca Festivalului, deschidem o fereastră spre secolul XX printr-o conversație despre negustorii armeni din România – cei care, traversând exilul, au construit punți comerciale și afective între Anatolia și orașele românești. Discuția pornește de la volumul De la Kayseri la București. Cusut până la capăt, semnat de Andreea Barbu, și îi are ca invitați pe Monica Dudian, Maria Erzian și Paul Agopian, colecționar de povești armenești la negustorie.ro.  Duminică, 3 august, tot de la 16:30, vorbim despre prezent și viitor: „Roots Beyond Borders” este un talk despre ce înseamnă să fii tânăr și armean în diaspora. Invitații – Silva Sahakyan (Franța), Ruzanna Grigoryan (Letonia) și Manushak Danielyan (Germania) – fac parte din Diaspora Youth Ambassadors Program 2024–2025 și vorbesc despre identitate, conexiuni transnaționale și cum se păstrează viu un fir cultural într-o lume în continuă mișcare. Discuția este moderată de Hrant Jaghinyan, Diaspora Youth Ambassador din partea României. EXPOZIȚII – memorie și identitate Pe tot parcursul festivalului, vizitatorii vor putea explora o serie de expoziții care documentează, reinterpretează și celebrează cultura armeană. „Armenii jazzului românesc” aduce în prim-plan o parte mai puțin cunoscută a contribuției artistice armenești în România: fotografii de Emilian Săvescu și imagini de arhivă surprind figuri precum Garbis și Capriel Dedeian, Harry Tavitian, dar și imagini cu Johnny Răducanu sau Corneliu Stroe – pionieri ai unei scene muzicale între tradiție și libertate. „Revoluționare – Femei armene care au schimbat lumea”, ilustrată de Maretta Aivazian, ne aduce povești despre curaj, viziune și schimbare ale unor femei din Armenia, diaspora și România. „Centenarul ARARAT” este o incursiune în istoria presei armenești din România, o arhivă de memorie culturală marcată de figuri precum Vartan Mestugean și Arșag Bogdan Căuș, părinții spirituali ai publicației care a dat nume unei epoci editoriale. Expoziția de colaje curatoriată de Bucharest Collage Collective aduce în grădină viziuni fragmentate și poetice semnate de Alexandra Grigore, Beatrice Arzoiu, Cristina Gârleșteanu, Oana Iordăchescu și alți artiști care explorează tensiunile dintre imagine, text și memorie. Sâmbătă și duminică, între orele 12:00 și 16:00, cei mici se vor bucura de Basme armenești însuflețite de BCR – un spectacol-lectură cu păpuși inspirat din volumul Basme armenești de la Moș Suren, scris de Suren Muradyan și tradus în limba română de nepotul său, Arsen Arzumanyan. Spectacolul este susținut de trei tineri actori-păpușari – Radu Stăncescu, Florentina Bălan și Luca Horia Drăghici. ATELIERE – Culoare și meșteșug, zi de zi în Grădina Botanică Sâmbătă și duminică 12:00–14:00 | Atelier de pictat rodii cu Doriana Habian. Participanții sunt invitați să picteze, pe carton pânzat, rodii în miniatură – simbol al abundenței, vieții și frumuseții ascunse în cultura armeană. Atelier potrivit pentru toate vârstele. Sâmbătă și duminică 12:00–20:00 | Atelier Pressed Flowers. Compoziții florale presate pe hârtie, atelier potrivit pentru toate vârstele. 13:00–18:00 | Activități pentru copii. Desfășurate continuu, vineri între 17:00 și 20:00, sâmbătă și duminică 13:00–18:00: Nisip Creativ – desen pe planșe preimprimate cu 16 nuanțe colorate; Ch'Artist – pictură pe figurine ceramice (case, animale, flori); Slime Party cu CONI – experimente de chimie distractivă, urmate de realizarea propriului slime Sâmbătă și duminică 14:00–16:00 | Ateliere Centrul Cultural Teryan – seria I. Atelier de decorat accesorii  –  În timpul acestui atelier, participanții vor decora cu flori accesorii armenești de purtat pe cap.  Atelier de Ceramică –obiecte din ceramică pictate cu ornamente din miniaturi armenești. Sâmbătă și duminică 15:00–18:00 | Atelier de colaj – Bucharest Collage Collective. Atelier de colaj analog, deschis tuturor, condus de artiștii colectivului din București. Sâmbătă și duminică 16:00–16:30 | Atelier de dansuri armenești. Workshop de dansuri tradiționale armenești, coordonat de ansamblul Vardavar. Sâmbătă și duminică 16:00–18:00 | Ateliere Centrul Cultural Teryan – seria II. O nouă serie a atelierelor de decorat accesorii și pictat ceramică. Call to action: Strada Armenească e mai mult decât un festival. Este locul unde ne regăsim în sunet, în culoare, în gesturi simple care apropie oameni și culturi. Din 2013, accesul a fost mereu gratuit – pentru ca oricine să se poată bucura de muzică, meșteșug, povești și apartenență. Tot ce vezi aici se construiește cu grijă, cu respect față de artiști și colaboratori, dar și cu efort constant. Dacă Strada îți aduce bucurie, ajută-ne să o păstrăm vie. Donează atât cât poți, atât cât simți. Fiecare gest contează.  https://www.stradaarmeneasca.ro/sustine  Intrarea la festival este liberă, iar accesul se realizează în limita capacității. 

What is the most stressful part of selling your business? Join us as we discuss the recent acquisition of National Pavement Partners and the balance they had to strike between completing due diligence and looking after their customers during their busiest season. View the complete show notes for this episode.   Want To Learn More? M&A Reps & Warranties | A Complete Guide Indemnification in Purchase Agreements | M&A Basics The M&A Purchase Agreement | An Overview Additional Resources: Selling your business? Schedule a free consultation today. Sign up for an Assessment and Valuation of Your Business. Courses: The Art & Science of Selling a Business Download The Art of The Exit: The Complete Guide to Selling Your Business Download Acquired: The Art of Selling a Business With $10 Million to $100 Million in Revenue   If you have any topic or guest suggestions, please email them to podcast@morganandwestfield.com.

Under President Santiago Peña, Paraguay is enjoying economic stability, the fastest growth in Latin America, the lowest debt to GDP ratio in the region, a stable currency and the award of investment grade status for the first time ever. And, while this is impressive and cause for celebration, analysts are asking what the Paraguayan government is doing to combat corruption? On The LatinNews Podcast this week, we speak to Andrew Nickson, Honorary Reader in Public Management and Latin American Studies at the University of Birmingham and ask about Peña's successes and his shortcomings over the first two years of his government, and what we can predict for the remaining three years. Follow LatinNews for analysis on economic, political, and security developments in Latin America & the Caribbean. Twitter: @latinnewslondon LinkedIn: Latin American Newsletters Facebook: @latinnews1967 For more insightful, expert-led analysis on Latin America's political and economic landscape, read our reports for free with a 14-day trial. Get full access to our entire portfolio.

Jurnaliștii europeni comentează întâlnirea dintre președintele chinez Xi Jinping și liderii europeni, care a avut loc recent la Beijing, în cadrul summitului UE–China. Președintele Consiliului European, António Costa, și președinta Comisiei Europene, Ursula von der Leyen, au fost întâmpinați de liderul chinez într-un moment în care relațiile dintre cele două părți sunt extrem de tensionate.  Bruxellesul acuză Beijingul de practici comerciale neloiale și de sprijin militar indirect acordat Rusiei în războiul împotriva Ucrainei. Observatorii analizează relația complexă dintre cei doi parteneri inegali. Ziarul francez Le Figaro, abordează direct tema, susținând că Uniunea Europeană trebuie „să renunțe brusc”: „În realitate China finanțează eforturile de război ale Rusiei cumpărând petrolul acesteia și furnizându-i componentele „cu dublă utilizare” de care are nevoie pentru a-și fabrica armele. Dacă Beijingul va fi prins în flagrant, va răspunde cu șantajul pământurilor rare. Nu își va abandona niciodată „partenerul junior” rus. Germania, care depinde de exporturile din China, a anunțat acum că vrea să renunțe brusc. Și era și timpul! Dacă Europa s-a săturat de jocul dublu al Chinei, trebuie să se alăture Berlinului și să ia atitudine.” Süddeutsche Zeitung recomandă ca Europa să urmeze linia trasată de Ursula von der Leyen în relațiile cu China: „Asta înseamnă să nu se evite confruntările și restricțiile atunci când Beijingul nu respectă regulile. Pentru că, spre deosebire de conflictul comercial cu SUA, UE are o influență considerabilă asupra Chinei. În același timp, trebuie să folosească puținul spațiu de manevră de care dispune pentru cooperare. Declarația UE-China privind protecția climei, singurul rezultat concret al summitului, nu este suficientă. Cu toate acestea, este un acord oficial privind o problemă definitorie a secolului XXI. Și arată că China este încă dispusă să accepte reguli comune.” Publicația Turun Sanomat, din Finlanda, subliniază dilema Uniunii Europene în relațiile cu China: „China și Rusia cooperează în multe moduri practice. În loc de arme, China furnizează Rusiei componente importante pentru producția de armament, fără de care Rusia s-ar afla într-o situație foarte dificilă. ... Continuarea războiului din Ucraina servește intereselor Chinei. Războiul epuizează resursele Occidentului și provoacă diviziuni. ... UE se află într-o poziție dificilă. Relațiile economice cu China au devenit mai importante ca niciodată de când SUA a început războiul tarifar. Pe de altă parte, sprijinul acordat de China Rusiei trebuie condamnat și ar trebui să conducă la luarea de contramăsuri.” Pentru ca industria UE să supraviețuiască în competiția cu China, este nevoie de măsuri decisive, avertizează ziarul sloven Dnevnik: „În primul rând, accentul trebuie mutat de la actuala fantezie despre confruntare și reînarmare către dezvoltare. În al doilea rând, trebuie elaborată o strategie industrială și tehnologică coordonată, care să vizeze extinderea competențelor și a materialelor. În al treilea rând, reglementarea ajutoarelor de stat trebuie revizuită complet, iar fondurile europene trebuie canalizate în primul rând către proiecte industriale. În al patrulea rând, politica energetică trebuie reorientată cu scopul de a reduce prețurile la energia electrică pentru producătorii industriali. Și, în al cincilea rând, Europa trebuie să depună eforturi pentru instaurarea imediată a păcii în Ucraina și reluarea livrărilor de gaze rusești în condiții favorabile.”   Grupaj realizat de Cezar Ionuț Ionescu, pentru RFI România

Admirabilul PSD, carnivorele și 10% cinstiți (SpotMedia) - „Am avut vizita unor inspectori care ne-au propus protecție în schimbul unei sume de bani". Ce spun antreprenorii despre relația cu statul (Adevărul) - Abuzuri fără sancțiuni. Cazul sociologului Marius Pieleanu și eșecul sistemului la SNSPA (Snoop) - Il Luce. Maestrul (Gazeta Sporturilor) Prima reacție a premierului Bolojan în scandalul Anastasiu: Nu am știut despre dosar / Nu acceptăm darea de mită sau taxele de protecție / Am date despre oameni de decizie ale căror rude au firme care dau consultanță unor companii controlate de ANAF / Voi prelua eu reforma companiilor de stat (G4Media) Premierul Ilie Bolojan a vorbit în premieră într-un interviu G4Media despre scandalul vicepremierului Dragoș Anastasiu. Bolojan a spus pentru G4Media că nu a știut despre dosarul în care a fost implicat Anastasiu și nu a discutat cu el despre acest lucru. Premierul Bolojan a spus că ”nu trebuie să acceptăm” darea de mită și taxele de protecție și le-a cerut antreprenorilor să denunțe astfel de practici. Ilie Bolojan a mai spus că are date despre angajați din Finanțe ale căror rude au companii cu care fac contabilitate sau consultanță pentru firme private controlate de aceștia. Întrebat de G4Media dacă a sesizat parchetul în cazul lor, premierul a spus că a schimbat conducerea ANAF și a trimis echipe de control pentru a verifica aceste practici. Șeful guvernului a mai spus că nu va numi imediat un alt vicepremier în locul lui Dragoș Anastasiu și că va prelua el sarcina reorganizării companiilor de stat și a super-agenției AMEPIP, care gestionează aceste companii. „Am avut vizita unor inspectori care ne-au propus protecție în schimbul unei sume de bani". Ce spun antreprenorii despre relația cu statul (Adevărul) Declarațiile lui Dragoș Anastasiu privind absența unui parteneriat real între stat și mediul privat au fost rapid confirmate de mai mulți oameni de afaceri. Pe de-o parte, unii antreprenori au descris situații aproape identice: controale abuzive, blocaje birocratice, lipsă de predictibilitate, în timp ce alții au venit cu completări și au formulat propuneri concrete. Cei mai mulți susțin că statul este perceput mai degrabă ca obstacol decât ca sprijin pentru dezvoltarea afacerilor în România. Integral, în ziarul Adevărul. Admirabilul PSD, carnivorele și 10% cinstiți (SpotMedia) Corupția de supraviețuire cu care s-a justificat fostul vicepremier Atanasiu este una dintre cele mai perfide justificări ale vinovăției individuale, care, în loc de căință sau măcar asumare reală, are pretenția de a fi împărtășită de toți: un fel de „cu toții am fost turnători”, până la urmă. Așa se face că una dintre temele obsesiv reluate zilele acestea a fost aceea a presupusei ipocrizii a celor care cer claritate morală și intelectuală de la membrii Guvernului și mai ales de la premierul care a anunțat că această claritate morală este garanția pe care o lasă cecului în alb cerut de la români. În fond, nu am dat cu toții măcar o dată în viață bani în plic undeva, la spital, școală, ANAF? Nu așa s-a asigurat supraviețuirea în România postcomunistă, cel puțin? Și mai ales, suntem întrebați, nu e mai mare păcatul PSD, care defilează cu domnul Neacșu în Guvern? Toate aceste întrebări sunt erori logice și toate legitimează ceea ce va fi negat în mișcarea secundă: dublul standard, descurcăreala, supraviețuirea ca justificare pentru delațiuni și pactizări (vezi și Biserica Ortodoxă Română în comunism) și corupție, scrie jurnalista Magda Grădinaru pe pagina SpotMedia. Abuzuri fără sancțiuni. Cazul sociologului Marius Pieleanu și eșecul sistemului la SNSPA (Snoop) Sociologul Marius Pieleanu, invitat constant la TV în rolul „domnului profesor” de la SNSPA, milionar din bani publici, legitimat de un CV contestabil și sprijinit de legături vechi cu șefi din poliție și PSD este acuzat de abuzuri sexuale și hărțuire de foste studente sau femei care au intrat în biroul lui. Snoop publică noi mărturii. Il Luce. Maestrul (Gazeta Sporturilor) Gazeta Sporturilor publică un portret video extins, de peste trei ore, al lui Mircea Lucescu, în ziua când selecționerul împlinește 80 de ani. Este un documentar unicat în presa de sport din România. Un documentar ce a strâns laolaltă cele mai mari nume din fotbalul românesc, zeci de foști mari fotbaliști, precum și jurnaliști importanți, un tur de forță menit să depene o carieră de aproximativ 7 decenii în fotbal, cu bune, cu rele, cu realizări monumentale, precum și cu controverse pe măsură. Gazeta a atins TOATE marile falii din cariera lui Mircea Lucescu, de la epoca anilor '80, cu Dinamo și echipa națională, trecând spre epoca italiană și ajungând până la perioadele prolifice de la Galatasaray, Beșiktaș și Șahtior Donețk.

Este episódio tem papel duplo: prestar utilidade pública e reforçar a campanha #TodosPeloPirulla - participe você também, contribuindo para a recuperação do amigo, divulgador científico e youtuber Pirulla: vakinha.com.br/vaquinha/pirullaConfira o papo entre o leigo curioso, Ken Fujioka, e o cientista PhD, Altay de Souza.>> OUÇA (59min 59s)*Naruhodo! é o podcast pra quem tem fome de aprender. Ciência, senso comum, curiosidades, desafios e muito mais. Com o leigo curioso, Ken Fujioka, e o cientista PhD, Altay de Souza.Edição: Reginaldo Cursino.http://naruhodo.b9.com.br* APOIO: NORDVPNSe você escuta o Naruhodo há algum tempo, sabe que eu trabalho muito remotamente.Isso quer dizer que eu acabo usando muitos wifis públicos. Ou mesmo wifis privados, mas sobre os quais eu não tenho controle. E isso expõe dados meus, tais como senhas, números de cartão de crédito… E até mesmo minha privacidade sobre por onde eu estou navegando.Também quer dizer que, em algumas ocasiões, eu estou num país em que eu não posso acessar o conteúdo que está hospedado em outro país, por algum tipo de restrição técnica.Ou seja: perrengues da vida digital.É pra esses momentos todos que eu uso uma VPN, um serviço que protege sua conexão com a Internet.Mas não qualquer VPN: eu uso a NordVPN. Ela é fácil de instalar. fácil de usar e eu já confio por experiência própria.Por isso te convido a experimentar também a NordVPN com um desconto especial para ouvintes Naruhodo - e, se não ficar satisfeito, pode pedir seu reembolso garantido de 30 dias.É só acessar: https://nordvpn.com/naruhodoNordVPN, a VPN nº 1 de 2025 segundo a TechRadar.*APOIO: INSIDERIlustríssima ouvinte, ilustríssimo ouvinte do Naruhodo,Chegamos mais uma vez no momento INSIDER. E hoje eu quero compartilhar com você uma experiência pessoal.Eu sou relativamente minimalista em meu guarda-roupas: 70% das minhas peças são pretas, 90% delas são lisas.E meu estilo é bem informal: a roupa que eu uso no dia a dia não é tão diferente assim da roupa pra sair.Por isso a INSIDER combinou tanto comigo: ela me proporciona informalidade com sofisticação.Tecido encorpado e cortes modernos, que trazem um caimento perfeito. Peças que eu não preciso passar, que não marcam, que não ficam com mau cheiro - e, principalmente, peças que duram.Estilo despojado, sim, mas sempre com cara de novo. Minha vida fica mais prática e eu fico mais bem vestido.Então, fica aqui meu convite: experimente INSIDER você também e aproveite o desconto de 15% para ouvintes do NARUHODOPara isso, o jeito mais fácil é usar o endereço: creators.insiderstore.com.br/NARUHODOOu clicar no link da descrição deste episódio: o cupom NARUHODO será aplicado automaticamente no carrinho.INSIDER, inteligência em cada escolha.#InsiderStore*REFERÊNCIASVaquinha do Pirulahttps://www.vakinha.com.br/vaquinha/pirullaPathophysiology of Ischemic Strokehttps://link.springer.com/chapter/10.1007/978-981-10-5804-2_4Effects of aspirin on risk and severity of early recurrent stroke after transient ischaemic attack and ischaemic stroke: time-course analysis of randomised trialshttps://pmc.ncbi.nlm.nih.gov/articles/PMC5321490/Cryptogenic stroke: time to determine aetiologyhttps://www.jthjournal.org/article/S1538-7836(22)10551-9/fulltextSummary of evidence-based guideline: Periprocedural management of antithrombotic medications in patients with ischemic cerebrovascular diseasehttps://pmc.ncbi.nlm.nih.gov/articles/PMC3716407/A systematic review and synthesis of global stroke guidelines on behalf of the World Stroke Organizationhttps://journals.sagepub.com/doi/full/10.1177/17474930231156753Dental Management Considerations for the Cardiac Patienthttps://onlinelibrary.wiley.com/doi/abs/10.1111/scd.70048?casa_token=ttBLDqLWGt0AAAAA%3AO1oMHKDSRIFa3VmyQGU7DdblutxTUbu9ryEvRqBoJLUx8AqJhMBvKcnElH5XY2tE88GU3PdTEp8wEx0tClinical diagnosis of stroke subtypes https://www.uptodate.com/contents/clinical-diagnosis-of-stroke-subtypesWorld Stroke Organization: Global Stroke Fact Sheet 2025https://journals.sagepub.com/doi/full/10.1177/17474930241308142Artificial intelligence in stroke rehabilitation: From acute care to long-term recoveryhttps://www.sciencedirect.com/science/article/pii/S0306452225002180?casa_token=NzPfRaWoZOAAAAAA:GEmB6wj1KbQA8dw79yZOaOAnIy416QI0UpvqQlDrz6cCYDgoT7CQ-xwikHLwD8UkNhLlwLhaf40Air pollution and stroke: Short-term exposure's varying effects on stroke subtypeshttps://www.sciencedirect.com/science/article/pii/S0147651325006323Hyperacute stroke care–What's new?https://journals.sagepub.com/doi/full/10.1177/17474930251348387?casa_token=hH0neB-v_E0AAAAA%3A6C706lwrzHGSeV8xAdAUMNudTMYecSZUOVTxCCKUpUfGN0pv7mezUIUcprlNfTQ8JirCLmi7CKlPDgAdvances in Epidemiology, Outcomes, and Population Science in 2024https://www.ahajournals.org/doi/abs/10.1161/STROKEAHA.125.049886Chain mediating effect of frailty and depression between nutrition and quality of life in elderly stroke patients https://www.tandfonline.com/doi/abs/10.1080/13548506.2025.2502843Telemedicine and Post-Acute Care Demands: Evidence from Stroke Patientshttps://aisel.aisnet.org/pacis2025/ishealthcare/ishealthcare/17/The global prevalence of oropharyngeal dysphagia in different populations: a systematic review and meta-analysishttps://link.springer.com/article/10.1186/s12967-022-03380-0Stroke–heart syndrome: clinical presentation and underlying mechanismshttps://www.thelancet.com/journals/laneur/article/PIIS1474-4422(18)30336-3/abstractBrain–heart interaction after acute ischemic strokehttps://link.springer.com/article/10.1186/s13054-020-02885-8Stroke-Heart Syndrome: Incidence and Clinical Outcomes of Cardiac Complications Following Strokehttps://www.ahajournals.org/doi/full/10.1161/STROKEAHA.121.037316Impact of OSA on cardiovascular events after coronary artery bypass surgeryhttps://pubmed.ncbi.nlm.nih.gov/25612013/Sleep apnea prevalence and severity after coronary revascularization versus no intervention: a systematic review & meta-analysishttps://link.springer.com/article/10.1007/s11325-024-03164-4Obstructive Sleep Apnea and Outcomes in Cardiac Surgery: A Systematic Review with Meta-Analytic Synthesis (PROSPERO CRD420251049574)https://www.mdpi.com/2227-9059/13/7/1579Guidelines for the Prevention of Stroke in Women A Statement for Healthcare Professionals From the American Heart Association/American Stroke Associationhttps://pmc.ncbi.nlm.nih.gov/articles/PMC10152977/Clipe da Música Prevenção Contra o AVC 2017https://www.youtube.com/watch?v=F1GjcMJTdeQNaruhodo #236 - Por que temos dor de cabeça?https://www.youtube.com/watch?v=q8FtXVlSz1INaruhodo #264 - Por que é importante conhecer nosso colesterol?https://www.youtube.com/watch?v=5D3ezsGM_5sNaruhodo #256 - Por que roncamos?https://www.youtube.com/watch?v=SfJH_F2GsI4Naruhodo #162 - Por que acontece o nocaute?https://www.youtube.com/watch?v=_UmiDEjZmfcNaruhodo #163 - O que a anestesia desliga no nosso corpo?https://www.youtube.com/watch?v=6IoMagNybTINaruhodo #217 - Por que algumas pessoas tremem?https://www.youtube.com/watch?v=K7KLyBBnK_Q*APOIE O NARUHODO!O Altay e eu temos duas mensagens pra você.A primeira é: muito, muito obrigado pela sua audiência. Sem ela, o Naruhodo sequer teria sentido de existir. Você nos ajuda demais não só quando ouve, mas também quando espalha episódios para familiares, amigos - e, por que não?, inimigos.A segunda mensagem é: existe uma outra forma de apoiar o Naruhodo, a ciência e o pensamento científico - apoiando financeiramente o nosso projeto de podcast semanal independente, que só descansa no recesso do fim de ano.Manter o Naruhodo tem custos e despesas: servidores, domínio, pesquisa, produção, edição, atendimento, tempo... Enfim, muitas coisas para cobrir - e, algumas delas, em dólar.A gente sabe que nem todo mundo pode apoiar financeiramente. E tá tudo bem. Tente mandar um episódio para alguém que você conhece e acha que vai gostar.A gente sabe que alguns podem, mas não mensalmente. E tá tudo bem também. Você pode apoiar quando puder e cancelar quando quiser. O apoio mínimo é de 15 reais e pode ser feito pela plataforma ORELO ou pela plataforma APOIA-SE. Para quem está fora do Brasil, temos até a plataforma PATREON.É isso, gente. Estamos enfrentando um momento importante e você pode ajudar a combater o negacionismo e manter a chama da ciência acesa. Então, fica aqui o nosso convite: apóie o Naruhodo como puder.bit.ly/naruhodo-no-orelo

In this episode, hosts start off with, what else, soccer snark, discussing Chelsea's Trump drama, then a little Tour de France trash-talk. Chad roasts Monster Europe's collapse, blasting Randstad and Apollo as "corporate cowards" ditching workers like bad dates. They dissect HelloWork's lawsuit against Indeed for yanking ATS feeds—Chad calls it a data domination plot, Joel bets on French PR patriotism trumping legal odds. "Buy or Sell" gets savage: MetaView's €30M note-taker? Chad and Lieven sell (no moat, just meh), Joel buys for human touch. Traxlo's €1.6M gig app? Joel and Lieven buy for retail grunt work, Chad sells (automation apocalypse incoming). Ordio's €12M deskless payroll? Joel and Lieven buy, Chad sells (pricing poultry—er, paltry). EQT X snags Adevinta's Spanish ops, InfoJobs included? PE panic—Chad and Joel scream "abandon ship!" And Paris-based Teleperformance gobbles up Agents Only, a Vancouver-based staffing company specializing in online workers for AI data annotation and customer service, which is a fancy way of saying "workers who check expiration dates on milk."

The Moose on The Loose helps Canadians to invest with more conviction so they can enjoy their retirement. Today, we are talking about my 5-step stock analysis framework: #1 understand the business model #2 craft the bull case playbook growth competitive advantage #3 bear case business flaws industry & market threats competitive landscape #4 dividend growth health trend 1, 3, 5 years payout ratio yield vis average #5 spot red flags dividend triangle big movement (up or down) long term debt trend PE, yield change confusing trend you don't get dig deeper It's all about dividend growth investing! Get the 20 income products guide for retirees: https://retirementloop.ca/retirement-income/ Get your Investment roadmap: https://dividendstocksrock.com/roadmap Download the Rockstar list here: https://moosemarkets.com/rockstars

Send us a textWelcome PE Nation!Today I want to explore five traditional PE games that need makeovers to increase student engagement, maximize participation, and ensure all students benefit regardless of athletic ability.• Tic-Tac-Toe relay and other relay races need smaller groups of 3-4 students to prevent excessive standing around• Hula Hoop Rock-Paper-Scissors games should include multiple pathways with fewer students per team• Full-class team sports should be replaced with small-sided games (4-6 players) and modified rules• Dodgeball raises concerns about targeting students, creating fear, and elimination - consider games with non-human targets instead• Elimination games should be modified to quickly return students to play or completely remove the elimination aspectTake care,DavePlease take 10 seconds to leave a review5 Games that need a PE Makeover articleFirst Year PE Blueprint ebookBeg, Borrow, Build and Steal ebook with links, Free game PDFs and my personal grant writing files: https://www.teacherspayteachers.com/Product/Beg-Borrow-Build-and-Steal-Equipment-13063549Join my Substack newsletter, where I share PE tips, games and strategies.Become a guest on the show: podcast signup formFREE E-Book on setting up your PE programMy website: https://www.supersizedphysed.comPlease take 10 seconds to leave a review

Sobre las viviendas sociales entregadas en Peñalolén y las razones por fabricarlas en esa comuna, Iván Valenzuela y Andrea Vial conversaron con Alejandro Aravena, arquitecto, académico de la Universidad Católica de Chile y ganador del premio Pritzker, en una nueva edición del Rat Pack de Mesa Central.

Aumenta la siniestralidad con animales en carretera. Teruel es la quinta provincia de España con más sucesos: cómo hay que reaccionar ante un accidente así. Nos lo explica Elena de la Peña, subdirectora general Técnica de la Asociación Española de la Carretera, y Jesús Viñuales, Director de la Escuela ACF Drive.

Listen to this episode if you: are an early career engineer, are contemplating a career change, or just like engineering career stories.This Week in LinkedIn Lunatics:⁠1. $20 an hour to work as a Civil Engineer? PE license preferred? Get out of here⁠⁠⁠⁠2. Wow...⁠ (No Reply All, No Offer)⁠⁠⁠⁠⁠College Questions⁠⁠⁠1. Question for Engineers⁠⁠⁠2. If my Phd isn't funded is that bad?⁠⁠⁠3. Is it normal to hate all of your classesInternships1. PhD vs Undergrad intern2. Taking off a few days during internship?Career Questions⁠⁠⁠⁠⁠⁠1. First two days on the job and I wanna quit (because of my sexist manager)2. Wearing engagement ring to work?3. Designer vs Engineer4. Do civil engineering contracts/billing rates not allow for 'personalization' of salaries?Don't miss a blog post or a podcast episode, subscribe to my newsletter on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.ENGRingSuccess.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Support the on podcast on Spotify or on Patreon: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://podcasters.spotify.com/pod/show/engineering-success (preferred)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.patreon.com/ENGRingSuccess⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Top tier supporters - shout out each episode of the month for $10 monthly donation. Follow along on all social medias: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://engringsuccess.com/link-in-bio/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠To submit your question, email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠daniel@ENGRingSuccess.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube to watch short excerpts of podcast episodes addressing specific topics: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/channel/UCj86alc3a7_A_PibgYpkWFg⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  ⁠⁠⁠⁠⁠⁠⁠Daniel is a Mechanical Engineering graduate of Trinity University's B.S. in Engineering Science and currently works in Commercial Management in the Engineering and Construction Consulting Industry. All views expressed on this podcast are his own and do not reflect the opinions or views of his employer. Music by Maxgotthetracks: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://open.spotify.com/artist/0Pclog68AY⁠

The Private Equity Podcast – Show NotesGuest: Otis Spencer Host: Alex Rawlings Episode Title: Lessons in Leadership: From Army Logistics to PE Operating Partner & CEO Success

Public SaaS companies are growing faster—but private equity–backed SaaS companies are doing it more profitably. In this episode, AJ and Asad dig into new data from David Spitz comparing ARR growth and EBITDA margins across both groups, and debate what's really driving the difference: lower R&D spend, selection bias, or superior go-to-market execution. They also unpack the implications of long CAC paybacks, PE-style operational rigor, and whether most founders truly understand the capital partners they're signing up with. Thanks for tuning in! New episodes of Topline drop every Sunday and Thursday. Don't miss GTM2025 — the only B2B tech conference exclusively for GTM executives. Elevate your 2026 strategy and join us from September 23 to 25 in Washington, D.C. Use code TOPLINE for 10% off your GA ticket. Stay ahead with the latest industry developments and emerging go-to-market trends with Topline Newsletter by Asad Zaman. Subscribe today. Tune in to The Revenue Leadership Podcast every Wednesday, where host Kyle Norton talks with real revenue operators and dives deep into what it takes to succeed as a modern revenue leader. You're invited! Join the free Topline Slack channel to connect with 600+ revenue leaders, share insights, and keep the conversation going beyond the podcast! This episode is sponsored by UserEvidence. Want to know what actually moves the needle on trust? Download The Evidence Gap, a data-backed report on the customer proof that drives real results. Get it now at userevidence.com/evidence.  Key Chapters: (00:00) - Introduction to Topline Podcast and Episode Overview (02:42) - Exploring SaaS Growth Metrics and Margins (05:29) - The Role of R&D in SaaS Companies (08:32) - Understanding CAC and Payback Periods (11:22) - Cohort Analysis and Its Importance (14:34) - Navigating Board Dynamics and CEO Challenges (17:26) - The Importance of Understanding Investors (20:39) - Lessons from Previous Funding Rounds (23:34) - Market Dynamics and Founder Challenges (26:25) - The Impact of Market Conditions on Founders (29:39) - Acquisition Strategies and Long-Term Vision (32:34) - The Future of LinkedIn and Social Networks (35:42) - Conclusion and Key Takeaways (36:10) - The Evolution of LinkedIn and Market Dynamics (38:30) - Challenges in Product Market Fit and Email Cadences (40:45) - The Challenger Sale: Relevance and Misconceptions (46:40) - AI's Impact on Sales Methodologies and Market Dynamics (53:38) - Defining Intelligence in AI and Its Implications (01:02:00) - Best Practices for Using AI Effectively  

CÂNTĂRI DE IZBĂVIRE (2) „Pe la miezul nopţii, Pavel şi Sila se rugau şi cântau cântări de laudă lui Dumnezeu…” (Faptele apostolilor 16:25)

This episode is a compilation of answers to YOUR questions that were asked directly from my listeners who attend my weekly business education YouTube live webcast. Topics covered include: The Worst Investment You Can Make, Best business to run by yourself, How to value a crypto company and more.   Refer to chapter marks for a complete list of topics covered and to jump to a specific section. Download my free "Networking eBook": www.harouneducation.comAttend my weekly YouTube Live every Thursday's 8am-11am PT. Subscribe to my YouTube Channel to receive notifications. Learn more about my MBA Degree ProgramConnect with me: YouTube: ChrisHarounVenturesCompleteBusinessEducationInstagram @chrisharounLinkedIn: Chris HarounTwitter: @chris_harounFacebook: Haroun Education Ventures  TikTok: @chrisharoun300How to forecast a P/E ratio

Big bank earnings give a cautious green light on the economy Every quarter we get excited about listening to and reading about how things went for the big banks in the most recent quarter as they release their earnings. I'm primarily talking about JPMorgan Chase, Bank of America, Citigroup, and Wells Fargo. We have held a couple large banks in our portfolio for years and they have provided very useful information along with great returns as well. Overall, the big banks were happy with the low rates of consumer delinquencies and writing off debt that was unrecoverable stayed around the same rate as last year. One banker made a comment that with a 4.1% unemployment rate it's not likely to see a lot of weakness in their portfolio. This is something we have said for quite a while now, but we believe as long as the employment picture stays strong, the economy should do well. Deal making for the banks looked pretty good across the board and all of them had profit increases compared to one year ago. The overall tone from the bankers was largely upbeat, but a couple banks did call out some concern around commercial real estate and office buildings. There are certain cities with economies that are doing well, but there are other areas that are more problematic and the banks generally have commercial real estate in many markets across the country. To summarize, it appears the bankers feel pretty good, but they still remain somewhat cautious as bankers always should.   Understanding new legislation on cryptocurrencies Last week new legislation on cryptocurrencies was announced as the Genius Act, which stands for Guiding and Establishing National Innovation for US stable coins, made its way through Congress and to the President's desk. The legislation is supposed to provide licensing and oversight for stable coins as issuers must obtain licenses through either a national trust bank charter with the OCC, which stands for the Office of the Comptroller of the Currency, or a state level money transmission license. The Genius Act is supposed to provide consumer protection in the case of the issuer of a stable coin becoming insolvent. The solution in the Genius Act is to prioritize stable coin holder claims so the holders of those coins should be able to get their money back. This is nowhere near the safety one has in a bank where your deposits are insured by the FDIC should that bank fold. I feel this law will give people a false sense of security and I don't believe it will prevent a major collapse of stable coins. There's also a conflict of interest from President Trump‘s promotion of digital currencies since he himself has a coin and his sons Donald Trump Junior and Eric Trump run a bitcoin mining firm called American Bitcoin and are heavily involved in the crypto space. I believe the whole thing is just adding to the bubble of cryptocurrencies. Keep in mind that a bubble can last 10 to 12 years, if not longer, but the bigger it gets the bigger the financial disaster it causes.   What is better for investors stock dividends or stock buybacks? Unfortunately, there's no hard and fast rule based on performance figures in terms of what is better for stock investors, but I would have to lean towards stock dividends. If you look at the right companies paying dividends over a 10-year period you can find that perhaps the company you invested in is now giving you a yield of maybe 7-8% based on your initial investment. Those dividends can be a really great tool for long-term investing and while companies could always stop the dividend, most companies that have paid a dividend for the long-term do not like to stop or even reduce paying that dividend. This can help stabilize returns during downturns and may help investors be less emotional. A problem with stock buybacks is they can be announced and the stock may see a little bounce, but then it's possible that management does not fulfill the commitment to buy back all the shares they had planned to. Also, if the company or the markets were to hit a rough patch many times the first thing to go is stock buybacks. It is also possible that the company could do a stock buyback, but within a year or two the stock might drop below the price where the repurchases occurred, which would make those investments a questionable use of capital. Benefits to stock buybacks include the fact that there's no taxes for shareholders when they occur and they do increase your ownership of that business. While dividends are generally taxed, they are tax favored and depending on one's tax bracket you may pay very little or no tax at all. And don't forget about the compounding effect of reinvesting those dividends back into another investment. Unfortunately, it has become harder to find good quality companies paying dividends for a reasonable price. Looking at the S&P 500 index, the yield is now only 1.2%, which is near the all-time low that was hit during the dot-com bubble. Over the long-term history of the S&P 500, it's yield is generally around the 10-year Treasury and I was surprised to learn that up until the 1960's, the S&P 500 actually generally yielded more than the 10-year Treasury. Even looking just 10 years ago they were both yielding around 2%, but currently the spread between the two is about 3%. This comes as the S&P 500 has seen its forward P/E based on the next 12 months of earnings expand from 17 to around 22 during that time frame. Could this be another warning sign that the S&P 500 index is overvalued?   Financial Planning: New Tax Rules for Tips and Overtime Starting in tax year 2025 and through 2028, the One Big Beautiful Bill Act exempts up to $25,000 in tip income and up to $12,500 in qualifying overtime pay per individual from federal income tax—doubling to $50,000 and $25,000 respectively for married couples filing jointly. The tip exemption applies only to workers in occupations where tips are customary and must be properly reported through W-2s. The overtime deduction applies only to the premium portion of overtime wages—i.e., the extra pay above an employee's standard hourly rate—and must be paid in accordance with Section 7 of the Fair Labor Standards Act (FLSA), meaning it only covers overtime worked in excess of 40 hours per week under federal rules. Overtime paid under state laws or union contracts does not qualify unless it also meets the FLSA criteria. The full exemption is available to taxpayers with modified adjusted gross incomes up to $150,000 (single) or $300,000 (married filing jointly) and begins to phase out above those levels. To claim the exemption, workers must file a new IRS Form 10324-T with their annual tax return. Keep in mind Social Security, Medicare, and state taxes still apply to the tip and overtime pay. The policy begins with wages and tips earned on or after January 1, 2025, with claims first filed on 2025 tax returns in 2026.   Companies Discussed: Union Pacific Corporation (UNP), Toast, Inc. (TOST), American Eagle Outfitters, Inc. (AEO) & Abbot Laboratories (ABT)

Radijo vaidinimas „Peldų nuotykiai” pagal Kazio Sajos pasaką-apysaką „Peštukai ir nykštukai”. Režisierė Marija Rasteikaitė, garso režisierius Jonas Mockevičius, kompozitorius Juozas Širvinskas. 1969 m.

From managing construction sites in Ann Arbor to breaking into a real-estate private-equity shop—Chandler's detour pays off. After a non-target MBA at Georgia and zero on-campus finance recruiting, he leaned on WSO Academy for brutal coursework, mocked interviews and relentless networking. Hear how he leveraged a single phone call to land a full-time REPE internship, slashing MBA debt with a full ride and proving persistence beats pedigree. Perfect for career-switchers aiming at high-finance from unconventional backgrounds. ------------------------------------------------------------------------------------------------------

The soul suckers of private equity, Douglas Murray on Epstein and MAGA & are literary sequels ‘lazy'?First up: how private equity is ruining BritainGus Carter writes in the magazine this week about how foreign private equity (PE) is hollowing out Britain – PE now owns everything from a Pret a Manger to a Dorset village, and even the number of children's homes owned by PE has doubled in the last five years. This ‘gives capitalism a bad name', he writes. Perhaps the most symbolic example is in the water industry, with water firms now squeezed for money and saddled with debt. British water firms now have a debt-to-equity ratio of 70%, compared to just 4% in 1991. Britain's desperation for foreign money has, quite literally, left Britain ‘in the shit'. Gus joined the podcast to discuss further, alongside the journalist Megan Greenwell, author of Bad Company: Private Equity and the Death of the American Dream. (00:46)Next: why is MAGA so incensed over Jeffrey Epstein?Six years after he died, the Jeffrey Epstein scandal is still haunting Donald Trump. Trump had vowed to release all files on various cases that attract conspiracy theorists – from JFK to Martin Luther King Jr. What makes the Epstein case different, as Douglas Murray writes in the magazine this week, is that the case was so recent and Epstein's ties with the elites, many of whom are still in power. Trump appeared to backtrack on releasing files relating to Epstein, prompting ire from the MAGA world, and there is now mounting cross-party pressure to uncover who knew what. Mike Johnson, the House speaker, sent representatives home early for summer, and there is even talk of Ghislaine Maxwell testifying.  Why is the Epstein scandal such a lightning rod for MAGA rage? Douglas Murray joined the Spectator to discuss. The full interview can be found on Spectator TV. (15:49)And finally: are literary sequels ‘lazy'?It's ‘sod's law', says the Spectator's literary editor Sam Leith, that when a friend's book is due to be reviewed in the pages of the books section that you edit, the review will be bad. Mike Cormack reviews Men In Love by Irvine Welsh this week, calling the decision by Welsh to pen another sequel to Trainspotting ‘lazy'. At the Spectator this made us ponder whether this is true of all literary sequels, and what motivates authors to stick with characters and stories that they know.Sam joined us to discuss further alongside Lucy Thynne, the Telegraph's deputy literary editor. (33:59)Hosted by William Moore and Lara Prendergast.Produced by Patrick Gibbons and Megan McElroy.

Welcome to episode 259 of the Women's Running podcast. I'm your host Esther Newman and she's your other host Holly Taylor. On this podcast we talk about health, politics, stuff on TV and what we ate last night. Occasionally, we talk about running.Running and heatToday we're talking about how we're managing our running in the recent heatwave at the beginning of July. And we have *some* resolution to the – I'm sure by now – extremely dull London Marathon chat. Live podWe need to remind you at this point that if you're up for running the Bath Half with us in March next year, do please sign up, because if you do, you can then come and join us at our live event the night before, which will be filled with fun and giggles and perhaps a few tips on how to survive the Half the following day. Make sure you pick up your tickets to come and see us (they're only a tenner) from Eventbrite. Google Women's Running Bath Half event if the link doesn't work! ControversiesI also bring up a controversy – tell us what you think about marathons having time penalties if they've got lots of downhill! Then we get on to PE at school – what are your experiences, what do you think of the PE provision we have these days for kids?Join us!If you aren't a patron yet do join us on Patreon for just £2 a month, through which you can join Discord, our forum just for you, our gorgeous Pod Squad, to meet up, chat about running, TV, books, menopause, and anything else you like. You also get to come along to our Live Pods! To get access to Discord, all you need to do is head to patreon.com/womensrunning and join us for just £2 a month.Lovely extra bits Subscribe to Women's Running – and you can save 50%Sign up to the Westonbirt Half (or other distances), and check out the other races from Relish Running while you're thereGet tickets to our live event ahead of the Bath Half 2026!Setting up your own podcast? Try Zencastr – we've been using it for ages and LOVE ITDo join us on Patreon so you can come and chat in our new Pod Squad community on Discord! Go to patreon.co.uk/womensrunningEmail us at wrpodcast@anthem.co.uk with any questions or running stories Hosted on Acast. See acast.com/privacy for more information.

Justin Abelow, managing director in Houlihan Lokey's financial sponsors group, discusses PE's resilience in navigating a challenging M&A environment and the alternate structures firms are pursuing for liquidity.

The soul suckers of private equity, Douglas Murray on Epstein and MAGA & are literary sequels ‘lazy'?First up: how private equity is ruining BritainGus Carter writes in the magazine this week about how foreign private equity (PE) is hollowing out Britain – PE now owns everything from a Pret a Manger to a Dorset village, and even the number of children's homes owned by PE has doubled in the last five years. This ‘gives capitalism a bad name', he writes. Perhaps the most symbolic example is in the water industry, with water firms now squeezed for money and saddled with debt. British water firms now have a debt-to-equity ratio of 70%, compared to just 4% in 1991. Britain's desperation for foreign money has, quite literally, left Britain ‘in the shit'. Gus joined the podcast to discuss further, alongside the journalist Megan Greenwell, author of Bad Company: Private Equity and the Death of the American Dream. (00:46)Next: why is MAGA so incensed over Jeffrey Epstein?Six years after he died, the Jeffrey Epstein scandal is still haunting Donald Trump. Trump had vowed to release all files on various cases that attract conspiracy theorists – from JFK to Martin Luther King Jr. What makes the Epstein case different, as Douglas Murray writes in the magazine this week, is that the case was so recent and Epstein's ties with the elites, many of whom are still in power. Trump appeared to backtrack on releasing files relating to Epstein, prompting ire from the MAGA world, and there is now mounting cross-party pressure to uncover who knew what. Mike Johnson, the House speaker, sent representatives home early for summer, and there is even talk of Ghislaine Maxwell testifying.  Why is the Epstein scandal such a lightning rod for MAGA rage? Douglas Murray joined the Spectator to discuss. The full interview can be found on Spectator TV. (15:49)And finally: are literary sequels ‘lazy'?It's ‘sod's law', says the Spectator's literary editor Sam Leith, that when a friend's book is due to be reviewed in the pages of the books section that you edit, the review will be bad. Mike Cormack reviews Men In Love by Irvine Welsh this week, calling the decision by Welsh to pen another sequel to Trainspotting ‘lazy'. At the Spectator this made us ponder whether this is true of all literary sequels, and what motivates authors to stick with characters and stories that they know.Sam joined us to discuss further alongside Lucy Thynne, the Telegraph's deputy literary editor. (33:59)Hosted by William Moore and Lara Prendergast.Produced by Patrick Gibbons and Megan McElroy.Become a Spectator subscriber today to access this podcast without adverts. Go to spectator.co.uk/adfree to find out more.For more Spectator podcasts, go to spectator.co.uk/podcasts. Contact us: podcast@spectator.co.uk

Radijo vaidinimas „Peldų nuotykiai” pagal Kazio Sajos pasaką-apysaką „Peštukai ir nykštukai”. Režisierė Marija Rasteikaitė, garso režisierius Jonas Mockevičius, kompozitorius Juozas Širvinskas. 1969 m.

On this week's episode of the Pennsylvania Woodsman,Mitch is joined by Mike Tussey from Nomad Outdoors.  Mike shares his journey from being a middle school PE teacher to becoming a prominent figure in the hunting industry. He discusses the dynamics of the hunting business during the offseason, the importance of managing turkey populations, and the unique challenges faced as a hunting guide. Mike also shares memorable client interactions, including experiences with high-profile hunters, and reflects on the diversity of hunting experiences in Florida. The conversation touches on sustainability issues in hunting, the significance of scouting, and the unique aspects of hunting in Florida, including deer and bear hunting. Mike concludes by discussing the future of Nomad Outdoors and the importance of building a community around the brand. Learn more about your ad choices. Visit megaphone.fm/adchoices

On this week's episode of the Pennsylvania Woodsman, Mitch is joined by Mike Tussey from Nomad Outdoors.  Mike shares his journey from being a middle school PE teacher to becoming a prominent figure in the hunting industry. He discusses the dynamics of the hunting business during the offseason, the importance of managing turkey populations, and the unique challenges faced as a hunting guide. Mike also shares memorable client interactions, including experiences with high-profile hunters, and reflects on the diversity of hunting experiences in Florida. The conversation touches on sustainability issues in hunting, the significance of scouting, and the unique aspects of hunting in Florida, including deer and bear hunting. Mike concludes by discussing the future of Nomad Outdoors and the importance of building a community around the brand.

In this episode, I interview Anthony Fasano, founder of the Engineering Management Institute (EMI), about essential skills for engineers transitioning into project management. Drawing from Anthony's extensive training experience, we explore communication, delegation, planning, conflict resolution, and leadership. The discussion provides practical strategies for young professionals to build confidence and excel in project management while highlighting the importance of lifelong learning and servant leadership.Guest* Anthony Fasano: Civil engineer, licensed PE, and founder of EMI. He hosts multiple podcasts, runs leadership programs, and authored Beyond PM Training. Anthony specializes in helping engineers develop non-technical skills for career advancement.Key Topics & Timestamps* 0:00 Introduction and Anthony's background. Overview of EMI's initiatives, including podcasts (Civil Engineering Podcast, AEC Leadership), YouTube channels for FE/PE exam prep, and custom training programs for leadership and project management.* 2:40 Essential skills for aspiring project managers: Communication with diverse stakeholders, understanding work styles/personalities, and delegation as the "CEO" of projects (focusing on scope, schedule, budget, and team coordination).* 5:29 Delegation challenges for engineers: Overcoming the urge to handle tasks personally, recognizing delegation as team development, and enjoying benefits like freed time for business development or mentoring.* 9:29 Effective project management strategies: Focus on upfront planning (project management plans, kickoff meetings), scope/schedule/budget breakdown, managing changes/scope creep, and identifying the critical path to handle delays.* 13:53 Handling difficult conversations: Building confidence over time, understanding others' needs, maintaining calm to de-escalate, and considering long-term relationships.* 17:51 Real-world conflict resolution examples: Maintaining professionalism for ongoing relationships and approaching issues collaboratively.* 20:15 Developing authentic leadership: Embracing servant leadership, prioritizing team success, conducting regular check-ins, mentoring, and creating an approachable environment despite billable hour pressures.* 22:40 Final advice: Develop public speaking skills to build confidence and communication abilities—crucial for effective meetings and presentations as a project manager.Resources Mentioned* Engineering Management Institute (EMI): engineeringmanagementinstitute.org – Access free podcasts, YouTube channels, and resources.* Podcasts: Civil Engineering Podcast, AEC Leadership, AEC Project Management.* YouTube Channels: Pass the FE Exam, Pass the PE Exam.* Book: Beyond PM Training: How to Build a Scalable AEC Project Management Ecosystem by Anthony Fasano – Available Here.* Newsletter: Sign up at luisfelipeduque.com/newsletter for episode recaps, action items, and career insights.* Contact: luisfelipeduque.com/contact for questions or suggestions.Action Items for Listeners* Assess your communication style: Identify your work style (analytical vs. expressive) and practice adapting to others—start by observing team interactions.* Practice delegation: List tasks you can offload (aim for 30%) and invest time teaching a team member; focus on the developmental benefits.* Enhance project planning: For your next project, create a detailed management plan covering scope, schedule, budget, and change processes; conduct both internal and external kickoff meetings.* Build conflict resolution skills: During difficult discussions, stay calm, understand the other party's goals, and propose win-win solutions—consider role-playing to practice.* Invest in public speaking: Join Toastmasters or practice presentations to boost confidence; challenge yourself to lead one meeting this month. Get full access to Engineering our Future at engineeringourfuture.substack.com/subscribe

John Freeman recently pulled out of his positions on Alphabet (GOOGL), believing its 20x P/E ratio is too high. He points to OpenAI taking Google search revenue as a "plausible enough" long-term risk. Greg Dukes disagrees, citing soaring cloud and advertising revenue as major growth drivers. He and John both like Amazon (AMZN) as a Mag 7 name they see gaining traction in the back half of 2025.======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – / schwabnetwork Follow us on Facebook – / schwabnetwork Follow us on LinkedIn - / schwab-network About Schwab Network - https://schwabnetwork.com/about

SHOW SCHEDULE 7-21-2025 GOOD EVENING: The show begins in Afghanistan, four years since the US departed Kabul... 1878 AFGHANISTAN CBS EYE ON THE WORLD WITH JOHN BATCHELOR FIRST HOUR 9:00-9:15 TALIBAN 2025. Bill Roggio. 9:15-9:30 TALIBAN 2025, continued. 9:30-9:45 AIR WAR UKRAINE AND RUSSIA. Blaine Holt, Bill Roggio. 9:45-10:00 AIR WAR UKRAINE AND RUSSIA. Blaine Holt, Bill Roggio, continued. SECOND HOUR 10:00-10:15 DRUZE MURDERED. Malcolm Hoenlein @CONF_OF_PRES @MHOENLEIN1 @THADMCCOTTER @THEAMGREATNESS 10:15-10:30 IRAN SHIPPING WEAPONS. Malcolm Hoenlein @CONF_OF_PRES @MHOENLEIN1 @THADMCCOTTER @THEAMGREATNESS 10:30-10:45#SMALLBUSINESSAMERICA: NEITHER GOOD NOR BAD, WAITING. @GENEMARKS @GUARDIAN @PHILLYINQUIRER 10:45-11:00 #SMALLBUSINESSAMERICA: CALIFORNIA FAST FOOD EMPLOYMENT DECLINES. @GENEMARKS @GUARDIAN @PHILLYINQUIRER THIRD HOUR 11:00-11:15 #NEWWORLDREPORT: VENEZUELA AND BRAZIL. Joseph Humire @JMHUMIRE @SECUREFREESOC. Ernesto Araújo, Former Foreign Minister Republic of Brazil. #NEWWORLDREPORTHUMIRE, Alejandro Peña Esclusa. 11:15-11:30 #NEWWORLDREPORT: COLOMBIA AND CHILE. Joseph Humire @JMHUMIRE @SECUREFREESOC. Ernesto Araújo, Former Foreign Minister Republic of Brazil. #NEWWORLDREPORTHUMIRE, Alejandro Peña Esclusa. 11:30-11:45 ROBOTS AND AI ON THE FACTORY FLOOR. Alan Tonelson, Gordon Chang. 11:45-12:00 ROBOTS AND AI ON THE FACTORY FLOOR. Alan Tonelson, Gordon Chang, continued. FOURTH HOUR 12:00-12:15 SYRIA HORRORS. Ahmad Sharawi, Bill Roggio. 12:15-12:30 SYRIA HORRORS. Ahmad Sharawi, Bill Roggio, continued. 12:30-12:45 IRAQ STATE WITHIN A STATE. Janatyn Sayeh, Bridget Toomey.12:45-1:00 AM UNKNOWNS OF DEATHS IN IRAN. Janatyn Sayeh, Bill Roggio. Key changes made: Organized into clear hour sections with proper formatting Fixed "IRNA" to "IRAN" Added accent to "Araújo" and "Peña" Fixed spacing and punctuation throughout Added proper time formatting and structure Maintained all hashtags and social media handles as intended

With just three months left in his MEng at University College London, Alkin ditched an engineering track and sprinted into high-finance. Hear how he combined a last-minute PE internship, CFA Level I prep and WSO Academy's modeling + interview bootcamps to master derivatives, send laser-targeted cold emails and wow SocGen's X-Asset Solutions Sales team by nailing the only “impossible” technical of the day—earning the job on the spot. Perfect for late pivots who still want an elite markets seat. ------------------------------------------------------------------------------------------------------

Vince, Belz and Watke get back to the business of the Monday Review, working through a lot of the transfer news, and a few other things that might have slipped through the cracks if we hand't brought them up.Still working on this series about youth soccer. If you have a question about raising or coaching little kids to be as good at soccer as they can be......submit one for Jim Harte, former PE teacher and longtime high school soccer coach who founded the High School Champions League: https://forms.gle/R132rXppaqFdFenb8 Jim and I will be talking soon about the right approach to coaching little kids, how to encourage more free play, how kids learn and what they are looking for from sports.Or submit one for Mike Idland, a college soccer coach who's been a thoughtful and incisive email correspondent to me for a long time. We'll be talking about practical tips for how to run a U6 or U8 rec soccer practice, among other things: https://forms.gle/FhfMoFGxRV3rpNU69 Subscribe to Scuffed on Patreon! Patrons get a private ad-free feed for all episodes that go out on the public feed, plus the Monday Review every week with Watke and Vince. Patrons also get access to some video of clips we discuss on the show, our private Discord server, live call-in shows, and the full catalog of historic recaps we've made: https://www.patreon.com/scuffedAlso, check out Boots on the Ground, our USWNT-focused spinoff podcast headed up by Tara and Vince. They are cooking over there, you can listen here: https://boots-on-the-ground.simplecast.com

#507 What if you could build a 7-figure business without ever cleaning a single home? In this episode, host Brien Gearin sits down with returning guest Jon Margalit, founder of Happy Home Helpers and Rags to Riches University. Jon shares how he scaled his remote cleaning service to over $2 million a year, why private equity is flooding into the home services space, and how he trains overseas teams to deliver elite customer service. He also reveals the hidden goldmine of Airbnb cleanings, the contractor hack that keeps his margins high, and how Rags to Riches University is helping others launch their own successful cleaning businesses — many of which are on track to attract PE offers of their own! What we discuss with Jon: + Growing a $2M+ cleaning business remotely + Private equity entering home services + How to attract PE interest + Differentiating with elite customer service + Hiring and training overseas VAs + The Airbnb cleaning goldmine + Contractor model vs. franchise model + Building Rags to Riches University + Helping others start cleaning businesses + Why Jon hasn't sold to PE yet Thank you, Jon! Check out Jon Margalit at JonMargalit.com. Check out Happy Home Helpers at HappyHomeHelpers.com. Check out Rags to Riches University at RagstoRichesU.com. Watch the ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠video podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ of this episode! To get access to our FREE Business Training course go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MillionaireUniversity.com/training⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. And follow us on: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Tik Tok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Youtube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ To get exclusive offers mentioned in this episode and to support the show, visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠millionaireuniversity.com/sponsors⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Want to hear from more incredible entrepreneurs? Check out all of our interviews ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! Learn more about your ad choices. Visit megaphone.fm/adchoices

Is AI starting to feel like one more overwhelming thing on your already packed to-do list? You're not alone—and you're not behind. In this empowering episode, Dr. Lauryn sits down with AI strategist Marnie Wills to cut through the noise and help you understand exactly how AI can support your business without stealing your soul (or sanity). Whether you're curious, skeptical, or somewhere in between, this conversation is for you.Marnie shares her journey from PE teacher to multi-business founder to AI trainer, and how adopting an “AI-first mindset” transformed her work, her time, and her impact. They dive into practical use cases for healthcare providers, how to overcome the initial mental block with AI tools, and why adding your personal expertise to AI is the secret weapon most people miss. This episode is a masterclass in starting small, staying human, and scaling smart.Key Takeaways:AI is your second brain—not your replacement. Marnie explains how to collaborate with AI to enhance decision-making, automate repetitive tasks, and amplify your expertise, not erase it.Strategy beats tech skills every time. You don't need to be “techie” to use AI effectively—you need intention, clarity, and the right mindset. Learn how to shift from overwhelm to opportunity.Customization is the key to authenticity. Plug-and-play prompts won't cut it anymore. Marnie shows why creating tailored AI assistants can elevate your content, marketing, and operations.The future belongs to leaders who adapt. From courses to client communications, Marnie reveals how industries are changing—and how healthcare providers can evolve without losing their humanity.About the Guest:Marnie Wills is an AI trainer, speaker, and strategy consultant helping business owners adopt an “AI-first” mindset to scale sustainably. After two decades as a teacher and entrepreneur, she transitioned into tech by combining her passion for systems, automation, and impact. Marnie now leads workshops and trainings around the world, empowering people to customize AI tools for their unique businesses—without needing a tech background.Find all of Marnie's resources and ways to work with her here.Follow Marnie: LinkedIn | Instagram Resources:Join The Uncharted CEO: An 8-week immersive experience for clinic owners designed to increase revenue, maximize profits, and build cash flow systems that create freedom NOW, not at 65. Not sure if The Uncharted CEO is right for you? Take the quiz and find out!Don't miss the upcoming Cash Cow Webinar: A Free Masterclass on How to Systemize, Profit, and Lead Without Being the Bottleneck. Happening twice, on July 29th and 30th, register for FREE today!Join The Uncharted Collective: A Membership for Healthcare Professionals to Build a Profitable Personal Brand in Just 2 Hours a WeekFollow

Today's word of the day is ‘distraction' as in Lloyd Howell as in the NFLPA as in Pablo Torre as in Mike Florio as in found out. What a night. It needed to happen. We told you it would happen. It started with a possible collusion coverup then went to advisor of a PE firm then landed on another coverup. Will the players finally care? Now we hear about the former NFLPA president told players to fake injuries! WHAT!? (19:30) It's time for the sprint for October in MLB. Trade deadline is approaching. Postseason approaching. We have some huge series ready to go. (31:15) Review: Old Guard 2. (34:30) Caitlin Clark is out of the All-Star Game that'll be played in Indiana. Sad. Injuries suck. That's a huge story for the country, but a huge story for the players… CBA negotiations. (42:00) Damian Lillard is back with the Portland Trail Blazers. He is making so much money next year and guess what… not playing! (45:00) NPPOD. (46:00) TJ Watt is now the highest non-QB in the NFL. A monster deal and now other teams have some issues. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today's word of the day is ‘distraction' as in Lloyd Howell as in the NFLPA as in Pablo Torre as in Mike Florio as in found out. What a night. It needed to happen. We told you it would happen. It started with a possible collusion coverup then went to advisor of a PE firm then landed on another coverup. Will the players finally care? Now we hear about the former NFLPA president told players to fake injuries! WHAT!? (19:30) It's time for the sprint for October in MLB. Trade deadline is approaching. Postseason approaching. We have some huge series ready to go. (31:15) Review: Old Guard 2. (34:30) Caitlin Clark is out of the All-Star Game that'll be played in Indiana. Sad. Injuries suck. That's a huge story for the country, but a huge story for the players… CBA negotiations. (42:00) Damian Lillard is back with the Portland Trail Blazers. He is making so much money next year and guess what… not playing! (45:00) NPPOD. (46:00) TJ Watt is now the highest non-QB in the NFL. A monster deal and now other teams have some issues. Learn more about your ad choices. Visit podcastchoices.com/adchoices