Podcasts about Percentage

The Celtics poor shooting from the outside continued in game 3

Have you ever wondered how many people actually take full advantage of their dental insurance? You might be surprised! In this episode, Gary and Naren dive into a shocking stat: only 2.8% of patients use their full yearly dental benefits. That means nearly everyone else is missing out on the coverage they've paid for. So why does this happen? Is it because people forget, or is dental insurance just too hard to navigate? Gary and Naren break it all down, exploring how dental insurance hasn't kept up with rising costs and why many patients don't value their benefits. They also offer practical tips for practice owners and staff to help patients make the most of their insurance, ensuring they get the care they need. Tune in to understand why only a small percentage use their full benefits and what you can do to change that. Book your free marketing strategy meeting with Ekwa at your convenience. Plus, at the end of the session, get a free analysis report to find out where your practice stands online. It's our gift to you! https://www.lessinsurancedependence.com/marketing-strategy-meeting/  If you're looking to boost your case acceptance rates and enhance patient communication, you can schedule a Coaching Strategy Meeting with Gary Takacs. With his experience in helping practices thrive, Gary will work with you on personalized coaching, ensuring you and your team are prepared to present treatment plans confidently, offer financing options, and communicate the value of essential dental services. https://www.lessinsurancedependence.com/csm/ 

China's financial authorities have explained a package of measures to stabilize the market. As part of the efforts, the country's central bank said it will cut the reserve requirement ratio by 0.5 percentage points.

Discover why the reselling rate is a game-changer for your business! In this video, we break down what reselling rate means, why it's crucial for profitability, and how to optimize it for success. Whether you're into e-commerce, thrifting, or dropshipping, understanding this key metric can boost your revenue and growth. Stick around for expert tips and strategies to improve your reselling rate today! Keywords: reselling rate, reselling tips, e-commerce success, profitability metrics, how to resell, business growth strategies Subscribe for more insights on reselling and business hacks! Drop a comment: What's your biggest reselling challenge? #ResellingRate #EcommerceTips #businessgrowthsolutionsRECOMMENDED TOOLS AND THINGS TO MAKE RESELLING EASIERVendoo Crosslisting Platform: https://vendoo.co/register?via=robbMy Favorite Tape Gun: https://amzn.to/4cF4wOzExcellent Packing Tape: https://amzn.to/42KJg6tPostage Scale: https://amzn.to/44vNwbgLabel Printer: https://amzn.to/4jBlSxUScotty Peelers Stick Removers: https://amzn.to/44vOBzQHeat Gun: https://amzn.to/4jAGxSCPhotography Lights: https://amzn.to/4lOS1EeMagic Eraser: https://amzn.to/3Gfizhu Goof Off Cleaner: https://amzn.to/4imA50H

Welcome back to The Top Shelf Cookie Sniper Hockey Card Podcast, where cardboard legends meet silver screen heroes! This is Episode 97, and today we're dropping the gloves and the popcorn—because we've got a double feature for you.First up, we're counting down my Top 10 Hockey Films/ Documentaries of all time—from cult classics to emotional tearjerkers, these films capture the spirit, grit, and glory of the game we love. Think you know what's number one? Then, we're ripping into the market with a look at the hockey cards that have seen the biggest percentage jumps over the past two weeks. We're talking risers, sleepers, and maybe even a few surprises. Is your collection getting hot, or are you stuck on the bench?Whether you're a film buff, a card shark, or just here for the chirps, you're in the right place. Grab a Gatorade, tape up your twig, and let's get into it!

On this week's episode, we talk about "quick hits" from outside the ring and a full WrestleMania breakdown. Cheers and thanks for letting us penetrate your ears.

Nosipho Radebe speaks to Dion Shango, CEO at PwC AfricaSee omnystudio.com/listener for privacy information.

What percentage of your retirement savings should you allocate toward traditional IRAs and 401(k)s vs. Roth IRAs and Roth 401(k)s? That's what this episode explores. Traditional financial guru advice says that it's impossible to predict where tax rates are going down the road. Therefore, you may hear that your best bet is to simply have 50% of your money in tax-deferred and 50% of your money tax-free. David is somehow perplexed by the guru's point of view about the future of tax rates being an unknown. However, signs that things won't be the same appear to be evident. The current national debt is at $37 trillion and the U.S. will be layering another $2 trillion per year over the next 10 years – excluding the $4.6 trillion that will be added to the debt if the Trump Tax Cuts get extended. That means the debt could grow to over $60 trillion by the time 2035 rolls around! Former Comptroller General of the Federal Government David Walker has stated that tax rates would have to double to keep the country solvent. And if the American fiscal ship doesn't get right by 2040, no combination of raising taxes or reducing spending will arrest the financial collapse of the nation (source: Penn-Wharton). Experts have already weighed in, and there seems to be general unanimity on the subject: in 10-15 years, tax rates are likely to be higher than they are today.  David believes that, if tax rates are likely to double in the near future, allocating the vast majority of your retirement savings to tax-free is the way to go. Why not put 100% of your retirement savings into tax-free accounts? Because you'll still have a standard deduction available to you in retirement. That's $30,000 if you're married and retired today, half that amount if you're single. Remember: if you don't have a pension, employment, or other residual income in retirement, the ideal amount is $400,000 if you're married and about half if you're single. Have a sizable pension? In that case, the ideal amount goes all the way down to zero. David suggests moving your money slowly enough that you don't rise into a tax bracket that gives you heartburn, but quickly enough to get the heavy lifting done before tax rates increase in 2034. The goal? To stretch that tax obligation out over as many years as possible, so you can stay in as low a tax bracket as you can. Generally, David recommends never bumping into a higher tax bracket than 24% as you execute your Roth Conversion strategy. Instead of reflexively allocating money in a 50-50 split between traditional IRAs and Roth IRAs, David encourages a more surgical approach. This will shield you from the impact of higher taxes down the road and increase the likelihood that your money will last as long as you do.     Mentioned in this episode: David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com David M. Walker

“Anime”? What is that? Well, listen to our guest this time, Maison Collawn who will explain. Maison was diagnosed as “developmentally delayed” when he was under three years old. By the age of seven his diagnosis was changed to label him as someone with autism, more specifically at the time, he was diagnosed as having Asperger Syndrome. Yes, Maison grew up understanding that he was different. He did not always handle difference well, especially while growing up. Over time he came to realize that difference did not mean he was less than others. As you will discover, Maison is quite bright and has learned to live in the world just like most all of us. He has a job as an Assistant Produce Manager at a Kroger store.   Maison made television quite a hobby and vehicle for his entertainment. He and I talk quite a bit about media entertainment and have a fascinating conversation about the future of television and even motion pictures. Given his observations, it is difficult to disagree where he thinks media entertainment is headed.   In addition to work, participating in his community and enjoying television he also hosts a podcast. I met Maison through the Podapalooza event program we have discussed in earlier episodes. I had the opportunity to participate as a guest on his podcast, MC Anime Podcast. He agreed to reciprocate and here we are. I hope you enjoy Maison and his life philosophy.       About the Guest:   Maison Collawn is the creator and host of the MC Anime Podcast, where he channels his passion for communication into exploring diverse topics and fostering meaningful discussions with listeners. Living with autism has profoundly influenced his worldview and his approach to engaging with others, allowing him to connect on a deeper level with audiences. His journey into media and communications was shaped by his academic background, including an Associate's degree in Social Science from Reynolds Community College and a certificate in Journalism. These achievements reflect his commitment to understanding people and society, as well as his dedication to improving his skills in storytelling and media. A natural communicator, Maison thrives in spaces that encourage conversation and idea exchange. His podcast, which blends insightful commentary with personal stories, is a platform where he engages with a variety of topics, ranging from anime and pop culture to broader discussions about social issues and human behavior. Through the MC Anime Podcast, he has developed strong interviewing and research skills, creating a space for guests to share their perspectives and for listeners to engage in thought-provoking dialogues. Beyond podcasting, Maison is committed to staying active in his community and constantly exploring new avenues for growth. Whether through his academic work, community outreach, or journalistic pursuits, he is always seeking to connect with others and expand his understanding of the world. His desire to try new things, learn from others, and share knowledge fuels his ongoing exploration of mass communications, especially in the realms of media and journalism. He believes in the power of thoughtful, meaningful conversation to create positive change. In everything he does, he is driven by a passion for people—listening to their stories, understanding their experiences, and using his voice to make a positive impact. Through the MC Anime Podcast and other endeavors, he aims to bridge gaps in understanding and bring diverse voices together, creating a space where all perspectives are valued and heard. Whether speaking about his own experiences or exploring the stories of others, his mission is clear: to engage, inspire, and foster a sense of community.   Ways to connect Maison:   http://www.facebook.com/BlogMCAnime and my collection of links is https://linktr.ee/MCAnime   About the Host:   Michael Hingson is a New York Times best-selling author, international lecturer, and Chief Vision Officer for accessiBe. Michael, blind since birth, survived the 9/11 attacks with the help of his guide dog Roselle. This story is the subject of his best-selling book, Thunder Dog.   Michael gives over 100 presentations around the world each year speaking to influential groups such as Exxon Mobile, AT&T, Federal Express, Scripps College, Rutgers University, Children's Hospital, and the American Red Cross just to name a few. He is Ambassador for the National Braille Literacy Campaign for the National Federation of the Blind and also serves as Ambassador for the American Humane Association's 2012 Hero Dog Awards.   https://michaelhingson.com https://www.facebook.com/michael.hingson.author.speaker/ https://twitter.com/mhingson https://www.youtube.com/user/mhingson https://www.linkedin.com/in/michaelhingson/   accessiBe Links https://accessibe.com/ https://www.youtube.com/c/accessiBe https://www.linkedin.com/company/accessibe/mycompany/   https://www.facebook.com/accessibe/       Thanks for listening!   Thanks so much for listening to our podcast! If you enjoyed this episode and think that others could benefit from listening, please share it using the social media buttons on this page. Do you have some feedback or questions about this episode? Leave a comment in the section below!   Subscribe to the podcast   If you would like to get automatic updates of new podcast episodes, you can subscribe to the podcast on Apple Podcasts or Stitcher. You can subscribe in your favorite podcast app. You can also support our podcast through our tip jar https://tips.pinecast.com/jar/unstoppable-mindset .   Leave us an Apple Podcasts review   Ratings and reviews from our listeners are extremely valuable to us and greatly appreciated. They help our podcast rank higher on Apple Podcasts, which exposes our show to more awesome listeners like you. If you have a minute, please leave an honest review on Apple Podcasts.       Transcription Notes: Michael Hingson ** 00:00 Access Cast and accessiBe Initiative presents Unstoppable Mindset. The podcast where inclusion, diversity and the unexpected meet. Hi, I'm Michael Hingson, Chief Vision Officer for accessiBe and the author of the number one New York Times bestselling book, Thunder dog, the story of a blind man, his guide dog and the triumph of trust. Thanks for joining me on my podcast as we explore our own blinding fears of inclusion unacceptance and our resistance to change. We will discover the idea that no matter the situation, or the people we encounter, our own fears, and prejudices often are our strongest barriers to moving forward. The unstoppable mindset podcast is sponsored by accessiBe, that's a c c e s s i capital B e. Visit www.accessibe.com to learn how you can make your website accessible for persons with disabilities. And to help make the internet fully inclusive by the year 2025. Glad you dropped by we're happy to meet you and to have you here with us.   Michael Hingson ** 01:20 Well, hi everyone. Welcome to another edition of unstoppable mindset. I am your host, Michael Hingson, and today we have a guest who I'm really excited to talk to and talk about. We could talk about him, but I'd love to talk with him. So Maison, I want to welcome you to unstoppable mindset. Why don't you introduce yourself and tell us a little bit about you?   Maison Collawn ** 01:47 Hey guys. So my name is Maison. Maison Collawn for that matter, and I am a fellow podcast myself. I want MCMA podcast. Want to launch voice of the voiceless. I am a typical person who likes entertainment, Asian culture with a twist and overall, speaking in general, as a medium to present me to myself, I did   Michael Hingson ** 02:15 so tell me about this Asian culture with a twist that sounds intriguing.   Maison Collawn ** 02:20 So Asian cultural twist typically includes two aspects of what the coverage of the podcast is. One is Japanese esthetics and Asian studies. So I take on different like historical perspectives, like, for example, when I did Western storytelling and Eastern storytelling, where I was, I dissected each of the main stories that was in those civilizations, like Journey to the West, with Asia and the Odyssey with Western civilization, and then we compare them both, and did a case by Case Study side by   Michael Hingson ** 03:01 side. So what got you interested in that? Ah,   Maison Collawn ** 03:04 I think it was the well, in the anime that, because I didn't realize I watched anime when I was younger, like Pokemon and Yu Gi Oh, and then when I re watched those shows, because I would, you know when to relive nostalgic days, I found that this is actually anime. So it's anime from Japan with Japanese culture. So by diving into Japanese culture animated TV shows, I was able to have a broader aspect of Oh. So if this is Japan. And then they also touch on Asia. That's for some aspects of Asia too, and just also history is something I like. So knowing about it and talking about it is pretty easy.   Michael Hingson ** 03:54 So dealing with animating and Japan and the culture and so on. Did you watch all the Godzilla movies from Japan over the years? I've   Maison Collawn ** 04:05 seen a couple of them. I hadn't seen all of them. Um, there's a lot in the franchise, like Gotha and the God of all monsters, but the law is very interesting, because you got mecha Godzilla in there, you have King Kong and somehow in there, but Godzilla is facing all these different beasts. But I would like Godzilla as a film to study. They use a lot of claymation in the formation of movie sets in the early days, right?   Michael Hingson ** 04:40 I remember the original Godzilla movie. I think it was 1955 maybe it was earlier than that, but, yeah, I think was around 1955 but it definitely became part of the culture over the years. And then, then, of course, it got picked up over here. The original King Kong versus Godzilla. Was a US movie, not a Japanese movie, but everybody put their own spin and brought their own things to it. It's, it's kind of fascinating. Yeah,   Maison Collawn ** 05:09 well, his own genre, Sky juice. Yes, giant creatures. Tell   Michael Hingson ** 05:14 me something about you growing up that of the early Mason if you would tell us a little bit about kind of your your young background and all that, so people get to know you better. So   Maison Collawn ** 05:25 my younger background is I sought out negative attention, how I struggle. I was misunderstood. And instead of positive reinforcements, I sought out the negative attention. So what I did with the negative attention was I anticipate. People and be the antagonizer. I got to the point where they care what people thought. I just accepted that I am who I am, and I'll live who I would to be. And if you don't like me or well,   Michael Hingson ** 05:59 well you are, you are different in some ways than a lot of people tell us about that. Because obviously you, you, you do have differences. And you know what people would say, you have disabilities, although I would, I would argue that disability does not mean lack of ability. So just so you know where I'm coming from, but tell us about the about you all that.   Maison Collawn ** 06:23 So I was diagnosed with Asperger's Syndrome disorder. So before that became autism as a whole, because they changed ASD to autism syndrome disorder instead, because I just did one umbrella was I was high functioning. So in that community, high functioning was seen as you're more your average, but you're socially awkward. You could do some things and but you still have some small discrepancies that people can make pick up on, but these people picking up on it might not see it necessarily. In a normal, more severe case of autism, I was a less severe case, so that's how that was. I was able to function more academics. Was high typically only had one area. I struggled stuff like that. But political correctness now is they don't use the term high functioning because it just it creates this different learning curve that's applied to other people, because people in autism and the spectrum learn on different ways, and just one person who's high functioning or a mild case or a severe case, all of them interact and have the disability in a different way.   Michael Hingson ** 08:01 And so you have other disabilities or, or I   Maison Collawn ** 08:06 have also odd, I'm sorry, oppositional, oppositional defiance disorder. So I would oppose authority, and I will be combative, or potentially like to get an argument, and I'm more prone to it than, say, a normal, neurotypical person. How do you deal with that? Lots of trial and error. If one thing doesn't work and the same thing keeps happening, I would talk it out and eventually figure out a solution. I know with my younger days when I was working odd would trigger, and I would create situations where the management, staff, food line that I worked at would also, lot of times, intervene. We'll have meetings, discuss what I did, what I did wrong, and talk about it. And at times it was like maybe I said something I shouldn't, or there's an outburst, or I'm just not speaking professional, so we had to take the time to address the issue and keep talking about it because of that. So it's still an ongoing thing, but it's got a lot better in some aspects, and not as openly defined. It's more like I misunderstand directions, or I might take the wrong context and react differently.   Michael Hingson ** 09:52 Well, I think there are a lot of people that do that, actually, but, but you know, I hear what you're I hear. What you're saying, and it's part of you know who you are, and there's nothing wrong with that. That's fine. I have had lots of discussions with people about the whole concept of disabilities, and one of the things that I have said, especially over the last year, is that disability is not a lack of ability, but rather, disability is a characteristic that everyone has. It manifests itself differently for different people. For most people on the planet, the disability that they have is that they're light dependent, and you don't do well without light and that doesn't mean that you can't but we are brought up primarily as light dependent people we are brought up with, you got to have light. And now, with the fact that light is so available on demand because of Thomas Edison, the disability gets covered up a lot, but it doesn't mean that it isn't there. And so the reality is that that it is a characteristic that everyone has, and it manifests itself differently for different people, but it doesn't make anyone less than anyone else, or it should or it shouldn't anyway.   Maison Collawn ** 11:06 Well, my manifestation of disability is through social skills, non verbal communication, executive function, such a decision making like if I were to this is a common example that could be applied to me stopped by a police officer, I'm more likely to be hauled up for questioning because they don't understand how to deal with me. I'm not trying to be a guilty party that they can suspect me as a guilt, let's say I wore my eyes not paying attention, or stuttering, or whatever is happening. They could determine that to be, oh, he's suspicious. He's a suspect. He is hiding something, right? So with that being said, that could be is a realized situation where there's not enough awareness, if they don't know, they're going to treat me like I have, like I have a criminal tendency,   Michael Hingson ** 12:11 right? And they make assumptions and and operate accordingly, without really having enough information or knowledge about how to get the information that they need to have. And that's something that we we see a lot. You know, when I was born, and I was born two months premature, and when it was discovered I was blind, the doctor said, send them to a home, because no blind child can ever grow up to amount to anything. And that is still all too often, the way blind children and blind people in general are treated today, you're blind, you can't possibly be as competent overall as a person with eyesight, and that's just simply not true, but that is the way we bring people up. Well,   Maison Collawn ** 12:59 there's a different way of learning, different way to to go with it, but also navigation on without sight, to get access to information that sighted people have   Michael Hingson ** 13:12 well, and the reason that they have the information is because they're a whole lot more sighted people than than blind people. And so we make the world site oriented, and it is very difficult to get society to change and recognize that we really need to be able to accommodate both categories sighted and non sighted, or any number of other different kinds of differences, and accommodate   Maison Collawn ** 13:41 them, non neotypical and neotypical. That's the aspect as well.   Michael Hingson ** 13:46 Sure, it's an issue to deal with. So when were you originally diagnosed as well? Let's just use the general term, a person with autism. So   Maison Collawn ** 14:00 I had two diagnosis, one for severe developmental delay, and then the other one was autism itself. So from 18 months to five years, they were saying I was delayed, and that's how a developmental delay was my diagnosis. Then they found out that was autistic at age seven. Let's change their understanding of what the diagnosis I actually had. To specific instances of they were overlaid. They were overlay similar because most psychological conditions were very similar, and typically, through as you get older, you accept more symptoms of the one you actually have, instead of the early on transgression. Yeah,   Michael Hingson ** 14:52 you know the the the issue is we're still learning to understand things like autism, although. Um, we're learning a lot. I've had people on this podcast who said they they had autism and it wasn't even diagnosed until they were adults, because they just didn't learn enough about it soon enough.   Maison Collawn ** 15:16 Because lot of people can have different diagnosis all at the same time. So there is no one size fit all test to think everything out   Michael Hingson ** 15:30 right. And again, it's it's a learning process, like with anything that makes anyone different. But the reality is, we're all different in so many ways. Yes, and it does need to go away, but it is   Maison Collawn ** 15:45 to constantly think about them and maybe analyze it differently. Yeah,   Michael Hingson ** 15:54 we're still learning to do that, and we're still working to get people to teach that to most individuals, but we'll get there. Just takes a while. Yeah, well, so you mentioned earlier that you you seek out entertainment. What medium Did you really decide was going to be the entertainment medium of choice for you, and why?   Maison Collawn ** 16:24 Well, my medium of choice was actually TV for the longest time, and it still is, and it's still a major factor in it. Um, when I was a child, the only thing I had for entertainment was TV. So my only way to spend some extra time. If I wasn't doing physical activities and other stuff with the TV, I would watch all my shows, watch movies, watch DVDs, watch stuff in the Campo, go to the flea market, watch the TV and the trailer on Saturday night morning, watch different cartoons, that type of stuff. As I grew up, the more TV I watched, it just became mainstream. I got older, it kind of went to streaming, but it's still TV related. So you can say that I changed streaming from TV, but in reality, it still shows that I'm watching so it's still TV shows most likely, and   Michael Hingson ** 17:28 that that satisfied something in your psyche, I gather,   Maison Collawn ** 17:34 yeah, it the it was the As how storytelling can be interesting. It can be compelling, those different plots, those different tropes, those archetypes out there that can tell what is going on in the general sense, and they can apply that to the show. And you can see different patterns falling a line in the show itself. Well.   Michael Hingson ** 17:58 So for you, you've obviously watched a lot of TV. How do you think that TV has changed as a medium over the years, and has it become better or worse? Or is that really a judgment anyone can make?   Maison Collawn ** 18:15 Well, TV has changed dramatically in the sense that not everyone is available to watch live content on the broadcasting as much they rather there's been a change in focus to streaming so they can watch this TV show, no no ads. They can watch it anytime they want. Basically Video on Demand become the change that TV has tried to do, but it's different. That's why cable services just to compete. They have video on demand you can watch the next day on shows. That's why some TV networks like revising stuff like that, is able to compete with streaming because they have a service that's, you know, video on demand. However, streaming will probably be the major market coming forward, because people are realizing that access to all these channels is probably not worth the money you pay. So these people, companies and satellite companies are behind the times, and they're trying to scramble to keep the buyers that they have.   Michael Hingson ** 19:35 Well, in reality, it's it's definitely changing, and you're right, streaming has become so ubiquitous already, and I think people are going to have to accept that going forward, and it's going to be interesting to see how all that works out, because you've got still different streaming companies. You. That provide different content, and I wonder how that's going to be addressed over time, because people ultimately really want to stream whatever they want to stream, and different groups have different things that are popular to them. I wonder how they're going to deal with all that. Do you think that companies are going to merge? Do you think that it's going to be that some companies are just going to license other content. What do you think is going to happen?   Maison Collawn ** 20:25 Well, I think the major focus right now is for these companies to survive. Is acquisitions. Yeah, you see what happened with Disney and Hulu? Disney now I do those majority hold up Hulu Paramount is potentially going to sell in the near future. They're going to potentially, you know, look at Warner Bros. What? How many times do they get bought out? How many times they go to fox, fox, you know, you know, having different acquisitions is what these companies do. The liquidate assets. And, you know, with the anime streaming, we had fun information in country roll. Sony already bought fundation. They just load country roll information together and made country roll the sole service. So that's kind of what they're doing. What do you eat with big companies. They were doing acquisitions to meet the demand to stay, I guess, survive. What   Michael Hingson ** 21:31 do you think is going to happen to the motion picture industry, which is, of course, a different animal, but that that's an interesting one, world that's all going to fit into it, because, again, people want to start streaming movies and so on. So where do you think motion pictures are going to   Maison Collawn ** 21:49 go? Well, that's all. What a decline in motion pictures is lately, if they don't, if they keep releasing movies, that is not necessarily an original idea. There's not going to be as much as a need to go to the theaters, if you can just buy it online, straight out. I mean, if it's available on like HBO Max, and these movies are like, Well, we are offering this movie on our platform, but also being theaters too, these platforms are moving to almost live rentals that you can do so they're going into what voodoo used to be, which is a video catalog that You could buy a bunch of movies and TV shows that that might be where these movie companies are going to go. They're going to probably say, Well, if I don't get an exclusive deal with this streaming service, then I want my content to be paid to watch instead. So the licensing agreement probably be different the   Michael Hingson ** 23:08 I guess. The question is, over time, how much value will there be to having the theater experience, which is definitely going to have better sound, bigger screens and so on than you can possibly do with your television. Will that make a difference overall?   Maison Collawn ** 23:24 Well, the theater probably nostalgic, so there'll be some around, but there won't be as big business as it once was. The transition from streaming is putting the theaters to potentially go to another audience. So these they're going to go to independent movies now they're going to try to have a large audience to view it, that type of stuff. So it's going to be more nostalgic. It's going to be like what theaters are doing now. They're doing multi talent programs. They're not just doing plays, they're not just doing movies, they're doing concerts, they're doing talk shows, they're doing conferences to meet up their venue, because their venue is accessible to many different events. So these movie theaters might have to slightly tweak the mainstream movies maybe have the cater to other events for additional revenue. Do   Michael Hingson ** 24:26 you? Do you? Do you foresee the time that theater will just completely disappear? Or do you think that won't happen?   Maison Collawn ** 24:33 I don't think it'll just completely disappear. I think people want it for nostalgic. They would want it to have a more profound experience than just watching on the tablet. Yeah, now it's easier to watch on a smaller device, but who will want to spend a bunch of money on surround sound like. Stereo system just to be able to listen to it, kind of like most people don't have a home movie budget, like, you know, they don't have a room just dedicated to lounging around and having all this fancy sound equipment,   Michael Hingson ** 25:15 right? Yeah, I'm I tend to think that theater is going to be with us for a while, and that's going to change. It will change, and we'll it'll be interesting to see how it goes. But going back to to you a little bit. How have has autism progressed for you? How have you changed? And how is as you grow older, you know? How has that affected you, and autism   Maison Collawn ** 25:43 has affected me greatly. If I didn't have a kid in my mother and she didn't completely take the time to understand what I needed for education, I wouldn't be here now, now saying that I have transgressed to working with autism, so I have a job and doing it to keep working with autism, and then basically living with autism as a young adult, I've never accepted this part of who I am. It's not going to go away. It's definitely lacks impact now because of my executive function. You know, lessons that I've had over the years, the awareness, the self attention to dialog, knowing how people react to me because I'm not like them. So that type of interaction has now been shifted a little bit, because now I feel like I'm someone normal and just do my own thing. It's not really as a major aspect of my life compared to early childhood, and say, teen years.   Michael Hingson ** 27:03 So it is. It's a progression, but it is something ultimately that you accept as a part of you, which is, I think, probably the biggest issue for any of us with anything regarding us, is acknowledging you are what you are, and learning how best to utilize the gifts that you have, right?   27:25 Yeah, yeah.   Michael Hingson ** 27:28 Which makes, which makes a lot of sense.   Maison Collawn ** 27:32 Yeah, I feel that people are not necessarily underestimated any right? And degree is really how make you as a person, benefit from what you have, right? So if you have limited in this area, well, just do everything you can to get better, and if it's not copacetic, at least make it somewhat easier. Yeah, then being totally difficult, but   Michael Hingson ** 28:02 that's a choice that you get to make, which is what's important, yes, and it's all about making a choice, and it's all about knowing that you have a choice that you get to make,   Maison Collawn ** 28:17 but your agency is really up to you to to a certain point, right?   Michael Hingson ** 28:23 Which is, which is something that makes a lot of sense. And we, we all need to do that.   Maison Collawn ** 28:31 Yes, if you don't, we might be left behind to catch up later in life, right? And if you never catch up, you might just be be lost among the ways   Michael Hingson ** 28:45 well, or you might not catch up in some ways, but you might catch up and surpass in other ways, which is, which is part of what it's all about. As, as I have said many times, we all have gifts, and what we need to do is to learn to use the gifts that we have, because we're going to have gifts other people don't have, and that's okay. Which is, which is, you know, pretty important to be able to deal with.   Maison Collawn ** 29:12 Well, you need to know how to use a gift in a specific way to convey a message, convey that message, and be able to really strengthen what you have or had just figure out something that will work for you. Mm, hmm. Doesn't have to be the drastic change in life that you're looking for. It could be something unexpected, and you just find it by accident, right? No,   Michael Hingson ** 29:40 no question about it, and it's really important just to progress where you can so What job do you have? Now? You said you have a job. What do you   Maison Collawn ** 29:53 do? So I'm in produce. I have worked up from a lead position for clues. Month to a assistant produce, assistant leader at Kroger. Oh, I am part of the management at night time, so my responsibility is to work from 130 to 10 o'clock at night and make sure the department gets closed correctly for the next day, for the morning people to be able to do the next stage of operations every day that we're supposed to do.   Michael Hingson ** 30:30 This is at a particular store, or is it more general than that?   Maison Collawn ** 30:34 I'm at a particular store part of a bigger it's called the program company, so it's part of a chain of stores right across the nation, right I'm at a particular store, 505, 10, which is mine. I'm actually able to, you know, I have people under me for the night time. And as a assistant leader, is my responsibility to make sure everything gets done, Delegate if need be, and also now that doing me to do as well and anything that might come up, like price reductions or questions that they can't answer, I need to be able to answer, and occasionally getting a manager involved if I can't help them, since I'm technically the representative management in that department at that time. Okay,   Michael Hingson ** 31:31 so at least you are. You're progressing, you you had a job, you've been promoted. What's next?   Maison Collawn ** 31:41 Well, typically will be next is as an opening at one point, if I wanted to be a produce man, I don't find the assistant manager, I can probably do produce manager, but I'll probably want a smaller store. For me, Kroger's too big to be a produce manager because of the size compared to through line that I had. Through line was a lot smaller stores. It was more manageable. So if I was to be a manager, I probably want to choose a smaller store, but use my training that I have to be able to do that. Do   Michael Hingson ** 32:30 you find that when you're working at a larger store and for a larger company like Kroger, that also there's a lot more rigidity. Things are more rigid, and so there is not a lot of flexibility to maybe be creative or do things in a little bit different way than maybe the company would normally do it. Or is that even an issue that should come out in the corporate world?   Maison Collawn ** 32:57 So typically in retail, corporate is going to have the TOS, the standard practice that is applicable to everything you should do. They have everything mapped out time. So this comes back to business logistics. So their business science has already dictated how much time something should take and how much hours is allocated to do it. So anywhere you go there's not going to be, oh, more creatives. The only creative you could be is probably at a smaller local store level. So a local store probably more creative because they don't they're not dictated by the business science how to run your business efficient, right? With compared to food line, there is more flexibility on some things, because you are a smaller store, and sometimes you just don't have the space you might have to, you know, if pumpkins are on sale, you might have to keep them up longer to sell them down to the price, you know, it may extend the time. Then at Kroger, you might not be able to do that. They tell you to take it down. You have to take it down. And you just have to take the loss of profit, yeah. And seasonal change is pretty rigid over there, as soon as the season ends forever, Thanksgiving, Halloween, they'll change the next one, like almost two or three days before the actual holiday is,   Michael Hingson ** 34:28 well, the the other side of that, though, is seasonal kinds of things, you know that? I mean, you know seasonal, so you expect that when it ends, it ends. So a lot of things like that do happen, especially with seasonal kinds of products, so different kinds of vegetables, different kinds of fruits and so on, are only good at certain times a year, or other kinds of products that are only related by our society to Thanksgiving as opposed to Christmas. As opposed to Halloween. Yes. Well, so in addition to working at Kroger, which which definitely keeps you busy and helps pay the bills and keeps the lights on, we want you to be we want you light dependent people to have the lights on. It's okay. Tell me about your your podcast world. So along the way, you decided to get into podcasting, and I should tell people that you and I met through patapalooza. I've talked about patapalooza a lot on some of our podcast episodes, and we got to meet Mason at the latest patapalooza, which was a lot of fun. And so, as he mentioned, I have now, I've been on his podcast, and we talked a lot about assistive technology and so on. And now we get to to have Mason on ours, and get a lot of insights, which is a lot of fun. But tell me about you in podcasting. Why did you get involved in it? What do you think it brings to you in your life, and what do you bring to the rest of the world?   Maison Collawn ** 36:04 Well, podcasting is definitely unique, because, through my passion for TV, I was introduced to yearbook in eighth grade. Alright, so eighth grade, I want to do yearbook. Cool. I go to high school, and the intro to medications is yearbook, newspaper, TV production. Well, instead of choosing yearbook because there's too much graphic design spread and all that stuff, I went with TV production. So I took four years of TV production, and in doing that, I learned how to do studio set design, all that stuff. And I went to continue that after high school, but I didn't know how to format it correctly. So instead of podcasts, because the podcast is not first, my blog MC ani blog MC anime was first. I want to write about Anime Reviews. I want to write about my favorite shows. I went to Facebook to do it, and then I was like, Wait a second, my Facebook audience that I have is not they don't know this content. So I made a Facebook page blog and see anime. So that's kind of how my original Facebook got started was through different mediums to blog, and then that became podcaster after that, because I didn't want to do the blog anymore, but I still want to do something on brand, which, as I was doing before, podcasting has given me the insight to be able to talk. I've been behind the camera so much as it doesn't bother me. I have a personality that I want to share. I have a story that's compelling. And through be able to speak. It's like I'm overcoming a part of myself that tell people that I tell I shouldn't speak, that you won't be able to speak, you'll be not understanding other people because you don't connect them because you're socially inclined. And that's not true at all.   Michael Hingson ** 38:17 So how do you see the world of podcasting evolving over time.   Maison Collawn ** 38:24 The world of podcasting is good. It's already grown tremendously. There's probably going to be so much competitive market that only the top 5% will be would be able to make a living. But I see podcasting moving on towards a supplemental income unless you are able to go to your audience do a plug in business that is tied to your podcast. So solely doing podcast is not going to make pay the bills. Now, tying something in to your pockets, like getting discovery calls, like giving them services, selling product, affiliate marketing that's going to be able to convert that audience to revenue. So that's where podcast is going now in the world of everyone keeps launching a podcast. I guess it's just going to be a slice of the pod and the demographic is going to give to certain podcasts. True Crime is really good. Talk Shows are really good. But you have to identify which podcast is going to be you standing for, because you don't want to be a generic podcast if you don't have a good follow. The other   Michael Hingson ** 39:44 thing that I find interesting, we started unstoppable mindset back in 2021 but by beginning, roughly speaking, of 2023 although we had put two. We we had put video into every podcast, but the the folks that we were working with who are involved with patapalooza, Michelle Abraham and the amplify you group, suggested that we should also put the podcast up on YouTube, and as a result, make sure that it's a video podcast as well, because there's a growing audience that like to see the podcast. Now, I know that originally Steve Jobs and the whole idea behind the podcast was to have something that you could play anywhere. So if you're running or walking or out on demand, yeah, whatever you could listen. But do you think that there's a significant growing audience that need to have the video as well?   Maison Collawn ** 40:48 Yes, it's kind of the reason why I realized that YouTube is a good medium. Because everybody was asking me, do you have a YouTube channel? Like, okay, no, I don't, sorry, but I start backtracking all my old content. Wish I started videos so much sooner. There's so much easier to post. But instead, I backlog Season One, two and three as audio grams. I'm converting it to audio to video, but I'm using a visual component to make it video, to make it more stand out that is,   Michael Hingson ** 41:27 well, the the whole idea of having a video podcast, or having video for your podcast, is a little bit new, but it is, but it is certainly something that I think people have become accustomed to having around. So I'm not surprised at it. Radio became television. We we like to watch things, and so the result of all that is is that we need to make sure that we we cater to the audience, whatever audience it is that we are we're working toward. So having the ability to have a video podcast is is pretty important. And the other idea about having a video component to podcasting is that it's easy to do video. You can fairly inexpensively have a camera, a decent camera, you can have it be part of your repertoire of technology. But you also can have the the whole aspect of making sure that everybody can interact with the podcast in their own way. So it's just kind of fun. So having the ability to have video, I think is, is probably a pretty important thing. And I get actually probably more comments from people who have interacted with us on the YouTube channel than anything else, even though the the size of the audience is significantly less, but they're vocal.   Maison Collawn ** 43:22 Yeah, I found out my size of my audience is three different graphics. I have the podcast downloads, which is really good, but I also have the YouTube as a video component. And I'm also using video on my Facebook as well, but then I also have the short length content. So I am using short link content to promote it, and actually people are liking it. I'm getting a lot of hits. However, that's good, but short link content only promotes short link content, so you still got to promote the long form content. So it kind of becomes as well. I'm using the short link content to potentially get more people so they get introduced, they might be able to be interested in the small percentage converted. Yeah,   Michael Hingson ** 44:11 so the short link content is probably what most people would understand the terminology more with sound bites. It's not large, and it isn't the way to present the majority of the content, but it certainly is a way, if you do it right, to get people interested enough to then focus on what you're doing and go from there, yeah,   Maison Collawn ** 44:37 but I'm having lots of fun doing it. It's interesting how I'm doing my schedule now for uploads, I'm doing like three to four short link videos plus the episode upload. So that is drastically increase my social media uploading content. It's given a diverse. How actually, that's why I like about it. Yeah,   Michael Hingson ** 45:03 and do you think you're getting a lot of conversion from the short links to people listening to the whole podcast?   Maison Collawn ** 45:12 I'm definitely getting interested in different spikes of the episode, though, it's not as withstanding typically, to have a lot of good voting from short length content. You had it, let's go about the YouTube algorithm. You need 3 million subscribers on a short link content channel, 3 million views in all videos to be able to get monetized. That's a lot comparing that you only need a minimum of 1000 on a regular YouTube channel. So there's a different demographic. Percentage of you need a bunch more people to convert it. So it only helps to promote you, unless you're getting to like lots of followers on it. If you're not getting as many followers, it's just going to be like a good social media blast, that type of thing, right? So it's hard to convert, not super successful because I'm getting 1000 hits, okay, 1000 views, that's great, but that's not nearly enough to convert to the podcast, and it's a lot of people, but I need a lot more people to view it. Why do you think typically need five to 10,000 to be able to convert a larger base.   Michael Hingson ** 46:44 Why do you think that more of those people aren't transferring over and observing the longer podcast,   Maison Collawn ** 46:50 because their attention spans guided to the short lathe content so it the shortly content is good, gave you greater access to people, but you need a greater number of people watching you to can have a higher voting percentage.   Michael Hingson ** 47:10 Yeah, and the short links aren't going to give you real substance. What is,   Maison Collawn ** 47:17 what is obviously seen. So unless   Michael Hingson ** 47:20 you just can come up with something so creative that it draws people to the larger podcast. But that's just not what happens.   Maison Collawn ** 47:29 Yeah, that's why you have these social media influences. They're able to dictate an audience base on social media in a way that for all these people to these accounts, right? That's good for them, but they're not podcasters. It can be not everyone is,   Michael Hingson ** 47:49 yeah, mostly they're not. They. They do other things   47:55 well. So tell us is good in that way?   Michael Hingson ** 47:57 I'm sorry. Go ahead. Say again.   Maison Collawn ** 47:59 No, just podcasting is YouTube, is the long form content that was created at all. So yeah, that's kind of what a podcast can do   Michael Hingson ** 48:09 well. So tell us more about your podcast then, and what, what typically you do on it, the kinds of of people who you've had on and also, how can people find it and go investigate it?   Maison Collawn ** 48:27 So I've had a range of public professional speakers to feature speakers who are my friends, who like experts in that episode. So I like to incorporate people who are experts in the the thing we'll talk about, alright, that's kind of my philosophy. It's my job to highlight you, to speak in a way, speak on the subject. We speak it together, and you also present your perception of what it is. And to find me on the podcast, you can go to HTTPS dot slash, slash, at Facebook blog and see anime. You can also find me spell that. Spell that, if you would what Facebook website or just social media handle,   Michael Hingson ** 49:19 whichever you'd like, so that people can get to the podcast. So   Maison Collawn ** 49:23 an easy way to search it is that at sign capital, B, l, o, G, capital M, capital C, capital A, n, i, m, e, that is at blog MC anime, and that's an easy way to source me on Facebook and other navigations to it's my landing page for the link tree. You can get my social media and that type of stuff. And we   Michael Hingson ** 49:53 will also make sure that things are in the show notes, so that people can get it that way as well.   Maison Collawn ** 49:58 And of. At Facebook, com, slash blog, and see anime,   Michael Hingson ** 50:03 right? Cool. Well, this has been fun, and I guess I would ask if you have kind of any final thoughts or anything that you want people to to know, and if there are other things that they should be aware of about you, or any other kinds of ways they should be able to reach out to you. Why don't you give us any of that that you'd like?   Maison Collawn ** 50:26 Well, as I'm learning now, there is no barrier through different aspects of different lives. You have the power to be able to do something now, if it's not what you want, and you are in a limited option, say, a disability, or you're not as good, whatever, that's not going to stop you. You just have to keep trying until you figure something out that's be able to be successful for you and those resources out there to be able to do that, you just need to be able to connect to them, find someone who can help you if you're not able to navigate it, and just really have a strong ally and support base to move forward in what you're trying to do, or maybe the lack of and you're trying to get better,   Michael Hingson ** 51:23 but I would say each of us knows, or should know ourselves better than anyone else, so you know what you can do, and you can learn for yourself how much more you can do if you really work at it. So it is up to each of us to take a stand and work to move forward. Don't you think? Yes,   Maison Collawn ** 51:44 if you don't know what you need, then who would know for you? Yeah, powerful advocate that anyone can have.   Michael Hingson ** 51:57 There you go. Well, I want to thank you for being with us today. This has been a lot of fun. I think it's been very insightful, and I certainly appreciate your time, and I hope that everyone who has been with us appreciates all the insights and things that you bring to us. It's been a lot of fun talking about television and where it might go, and just media in general, and where people are, are going to be going to look for things in the future. It is. We're in a in an evolving world by any standard. So it's, it's fun to talk about that, and I appreciate your time to do that by any standard. I'm truth that any standard can happen. Well, we'd love to hear from all of you out there. If you've got any thoughts I'd love to hear from you, feel free to email me. Michael H, I m, I C, H, A, E, L, H, I at accessibe, A, C, C, E, S, S, I, B, e.com, you're also welcome to go to our podcast page, www, dot Michael hingson.com/podcast, and Michael Hanks spelled M, I, C, H, A, E, L, H, I N, G, s, o, n.com/podcast, and Mason, if people want to email you, do you have an email address, they can, can reach out to Yes.   Maison Collawn ** 53:14 So my corresponds to that blog, MC enemy. It's the same as before, B, L, G, m, c, a, n, i, m, e@gmail.com, and can you communicate about collaborations, interviews, insight, all the nine yards. Cool. Well,   Michael Hingson ** 53:37 I want to thank you for being here, and we appreciate it. If you listening out there, would give us a five star rating. Wherever you are watching or listening to this podcast, you have options to review. Please give us a five star rating. We value that greatly. And you, Mason and all of you listening out there, if you know of anyone who you think ought to be a good guest on our podcast, or if you'd like to come on unstoppable mindset, we want to hear from you. We love introductions. We love hearing from people. So please don't hesitate to let us know if you've got any thoughts for guests. We are always looking for people who want to come on and tell their stories and help us show the world that we're all more unstoppable than we think we are. And with that, I want to thank you once again, Mason for being here with us today and and taking the time. Thanks very much for being here. You have been listening to the Unstoppable Mindset podcast. Thanks for dropping by. I hope that you'll join us again next week, and in future weeks for upcoming episodes. To subscribe to our podcast and to learn about upcoming episodes, please visit www dot Michael hingson.com slash podcast. Michael Hingson is spelled m i c h a e l h i n g s o n. While you're on the site., please use the form there to recommend people who we ought to interview in upcoming editions of the show. And also, we ask you and urge you to invite your friends to join us in the future. If you know of any one or any organization needing a speaker for an event, please email me at speaker at Michael hingson.com. I appreciate it very much. To learn more about the concept of blinded by fear, please visit www dot Michael hingson.com forward slash blinded by fear and while you're there, feel free to pick up a copy of my free eBook entitled blinded by fear. The unstoppable mindset podcast is provided by access cast an initiative of accessiBe and is sponsored by accessiBe. Please visit www.accessibe.com . AccessiBe is spelled a c c e s s i b e. There you can learn all about how you can make your website inclusive for all persons with disabilities and how you can help make the internet fully inclusive by 2025. Thanks again for Listening. Please come back and visit us again next week.

The Western Cape High Court is currently hearing an application by the DA and the EFF that is aimed at blocking the 0.5 percentage point VAT increase tabled by Finance Minister, Enoch Godongwana. Both parties say the VAT increase will intensify the country's cost of living and hit the poor the hardest. They also propose that other alternatives instead of increasing VAT, such as cutting a bloasted government. Senior Counsel and Advocate, Michael Bishop representing the DA, representing the DA says the party is opposing the processes Parliament followed in its decision on the fiscal framework

For Pete's Sake 04.19.25 - Three of the Most Important Stories of the week -Here is America's “panic percentage” when it comes to phone battery life-The average person in the US owns around 7.24 reusable water bottles- Including a text abbreviation (thx) can make the recipient feel as though you're brushing them off To subscribe to The Pete McMurray Show Podcast just click here

David Murphy, Economic and Publics Affairs Editor, discusses the expected decision on interest rates from the European Central Bank.

Frank Mols, hoofddocent politieke wetenschappen aan de Universiteit van Queensland, doet al jaren onderzoek naar het stemgedrag van kiezers. Zijn Australische stemmers trouw? En hebben alle campagnereisjes, radio- en televisiereclames en folders in de brievenbus eigenlijk wel zin?

Frank kicks off an early Ask Frank Anything segment in anticipation of his absence. He also talks with Larry Rutman, an award winning podcaster and author, whose latest book is “Intimate Conversations: Face to Face with Matchless Musicians”. They discuss music, baseball and the American-Jewish experience. Learn more about your ad choices. Visit megaphone.fm/adchoices

Explore how Tamil Nadu became an economic powerhouse in India. From thriving industries to smart governance, we break down the success story behind its booming GDP.

Rod, Alex, and Chile talk about some funny happenings at The Masters, and tell you what people's "panic percentage" is for their cell phones. Then in the final hour of the show it's Open Phones Friday.

You might think your profit margin is healthy. But is it, really? In this episode of Metric Mondays, Kirk Behrendt brings back Dr. Barrett Straub, ACT's CEO, to break down gross profit percentage, the real health indicator of your practice. To learn what a good profit margin looks like and how to start improving yours, listen to Episode 871 of The Best Practices Show!Learn More About Dr. Straub:Send Dr. Straub an email: barrett@actdental.com Join Dr. Straub on Facebook: https://www.facebook.com/barrett.d.straubSend Gina an email: gina@actdental.com Learn More About ACT Dental:ACT's webinars: https://www.actdental.com/136ACT's website: https://www.actdental.comACT's Instagram: https://www.instagram.com/actdentalACT's YouTube: https://www.youtube.com/actdentalACT's Facebook: https://www.facebook.com/actdentalACT's LinkedIn: https://www.linkedin.com/company/3137520/admin/feed/posts/ACT's Twitter: https://twitter.com/actdentalMore Helpful Links for a Better Practice & a Better Life:Subscribe to The Best Practices Show: https://the-best-practices-show.captivate.fm/listenJoin The Best Practices Association: https://www.actdental.com/bpaDownload ACT's BPA app on the Apple App Store: https://apps.apple.com/us/app/best-practices-association/id6738960360Download ACT's BPA app on the Google Play Store: https://play.google.com/store/apps/details?id=com.actdental.join&hl=en_USJoin ACT's To The Top Study Club: https://www.actdental.com/tttSee the ACT Dental/BPA Live Event Schedule: https://www.actdental.com/eventGet The Best Practices Magazine for free: https://www.actdental.com/magazinePlease leave us a review on the podcast: https://podcasts.apple.com/us/podcast/the-best-practices-show-with-kirk-behrendt/id1223838218Episode Resources:Watch the video version of Episode 871:...

-While contemplating the win over Arizona State last night and seeing how important Brice Williams and Juwan Gary were to the victory, it makes you wonder again how this team will look next year without them-Do you believe in Fred and staff's ability to get the pieces needed to be BETTER than this year's team and over the hump? Optimism is low...Show sponsored by NEBCOOur Sponsors:* Check out Hims: https://hims.com/EARLYBREAKAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Something is quietly killing your profit — and it's not what you think! In this episode of Metric Mondays, Kirk Behrendt brings back Dr. Barrett Straub, ACT's CEO, to break down one of the most misunderstood numbers in dentistry. They explain the myths of overhead percentage, what a healthy overhead percentage looks like, and ways for you to lower it if it's too high. To better understand where your money is going, listen to Episode 868 of The Best Practices Show!Learn More About Dr. Straub:Send Dr. Straub an email: barrett@actdental.com Join Dr. Straub on Facebook: https://www.facebook.com/barrett.d.straubSend Gina an email: gina@actdental.com More Helpful Links for a Better Practice & a Better Life:Subscribe to The Best Practices Show: https://the-best-practices-show.captivate.fm/listenJoin The Best Practices Association: https://www.actdental.com/bpaDownload ACT's BPA app on the Apple App Store: https://apps.apple.com/us/app/best-practices-association/id6738960360Download ACT's BPA app on the Google Play Store: https://play.google.com/store/apps/details?id=com.actdental.join&hl=en_USJoin ACT's To The Top Study Club: https://www.actdental.com/tttSee the ACT Dental/BPA Live Event Schedule: https://www.actdental.com/eventGet The Best Practices Magazine for free: https://www.actdental.com/magazinePlease leave us a review on the podcast: https://podcasts.apple.com/us/podcast/the-best-practices-show-with-kirk-behrendt/id1223838218Episode Resources:Watch the video version of Episode 868: https://www.youtube.com/@actdental/videosRegister for ACT's To The Top Study Club (April 11, 2025): https://www.eventbrite.com/e/climb-with-us-register-for-april-11-2025-ttt-study-club-tickets-1012966789937Register for ACT's To The Top Study Club (July 25, 2025): https://www.eventbrite.com/e/climb-with-us-register-for-july-25-2025-ttt-study-club-tickets-1205497959849Main Takeaways:Understand what it costs to run your business.Healthy practices have overhead between 55% and 65%.Your expenses should not grow at the rate of your revenue.When your overhead is too high, that means there is less...

(00:00-10:26) Today on Kincade & Salciunas, the show opens with the guys debating their personal percentage of enjoyment for a Phillies game and the angst of how it will end. (10:26-16:31) Andrew got an email regarding Aaron Nola and he shares it with the audience. (16:31-26:42) The guys react to a series win over the opening weekend. (26:42-35:58) We check the texts for the first time today, including one on Aaron Nola. (35:58-47:50) Balancing enjoyment and angst with the Phillies. Plus, the latest on the injuries of Trea Turner and J.T. Realmuto. (47:50-56:09) Nick Sirianni spoke about the tush push and said some other coaches better have his back. (56:09-1:06:37) Howie Roseman and the second round in the NFL Draft. (1:06:37-1:16:01) People forget how good the start to last season was for the Phillies. (1:16:01-1:26:44) USA Today ranked Citizens Bank Park the top ballpark in all of baseball. (1:26:44-1:36:35) In Today’s Headlines, Connor brings up the Yankees’ new bats. (1:36:35-1:46:47) John says there’s no reason to ban the Yankees’ bats, and Sean McDermott doubles down on being a hypocrite. (1:46:47-1:56:03) The San Francisco 49ers are in a pickle with Brandon Aiyuk. (1:56:03-2:08:12) Can you just sit back and enjoy the Phillies season without worrying about what is to come down the road. (2:08:12-2:17:56) How are you supposed to dress to a press box. (2:17:56-2:28:36) Roki Sasaki breaks the biggest rule in baseball – no crying in baseball! (2:28:56-) The show wraps up with some final texts and the Key 3.

Welcome to the "Saturday Morning Golf Stat" from the Hack it Out Golf Podcast. Three-putting never feels great. Three-putting from 10 feet is a kick in the gut. In today's episode, Lou asks Greg and Mark how often this tragedy happens for golfers at different levels. Afterward, we get a couple of pointers on these putts and some epic putting stories from Greg. Each of these will be a mini-episode (10-15 minutes long) about an interesting golf stat. We will discuss what you can learn, and most importantly, how you can apply this on the golf course to lower your scores and lower your handicap. Listen on your drive to the golf course or over your Saturday morning coffee! Data is sourced from Arccos Golf. They have over 1 BILLION shots in their database.  Check them out at: https://www.arccosgolf.com/  Use code MARK15 for 15% off! Learn more about your ad choices. Visit megaphone.fm/adchoices

If you're in SF: Join us for the Claude Plays Pokemon hackathon this Sunday!If you're not: Fill out the 2025 State of AI Eng survey for $250 in Amazon cards!We are SO excited to share our conversation with Dharmesh Shah, co-founder of HubSpot and creator of Agent.ai.A particularly compelling concept we discussed is the idea of "hybrid teams" - the next evolution in workplace organization where human workers collaborate with AI agents as team members. Just as we previously saw hybrid teams emerge in terms of full-time vs. contract workers, or in-office vs. remote workers, Dharmesh predicts that the next frontier will be teams composed of both human and AI members. This raises interesting questions about team dynamics, trust, and how to effectively delegate tasks between human and AI team members.The discussion of business models in AI reveals an important distinction between Work as a Service (WaaS) and Results as a Service (RaaS), something Dharmesh has written extensively about. While RaaS has gained popularity, particularly in customer support applications where outcomes are easily measurable, Dharmesh argues that this model may be over-indexed. Not all AI applications have clearly definable outcomes or consistent economic value per transaction, making WaaS more appropriate in many cases. This insight is particularly relevant for businesses considering how to monetize AI capabilities.The technical challenges of implementing effective agent systems are also explored, particularly around memory and authentication. Shah emphasizes the importance of cross-agent memory sharing and the need for more granular control over data access. He envisions a future where users can selectively share parts of their data with different agents, similar to how OAuth works but with much finer control. This points to significant opportunities in developing infrastructure for secure and efficient agent-to-agent communication and data sharing.Other highlights from our conversation* The Evolution of AI-Powered Agents – Exploring how AI agents have evolved from simple chatbots to sophisticated multi-agent systems, and the role of MCPs in enabling that.* Hybrid Digital Teams and the Future of Work – How AI agents are becoming teammates rather than just tools, and what this means for business operations and knowledge work.* Memory in AI Agents – The importance of persistent memory in AI systems and how shared memory across agents could enhance collaboration and efficiency.* Business Models for AI Agents – Exploring the shift from software as a service (SaaS) to work as a service (WaaS) and results as a service (RaaS), and what this means for monetization.* The Role of Standards Like MCP – Why MCP has been widely adopted and how it enables agent collaboration, tool use, and discovery.* The Future of AI Code Generation and Software Engineering – How AI-assisted coding is changing the role of software engineers and what skills will matter most in the future.* Domain Investing and Efficient Markets – Dharmesh's approach to domain investing and how inefficiencies in digital asset markets create business opportunities.* The Philosophy of Saying No – Lessons from "Sorry, You Must Pass" and how prioritization leads to greater productivity and focus.Timestamps* 00:00 Introduction and Guest Welcome* 02:29 Dharmesh Shah's Journey into AI* 05:22 Defining AI Agents* 06:45 The Evolution and Future of AI Agents* 13:53 Graph Theory and Knowledge Representation* 20:02 Engineering Practices and Overengineering* 25:57 The Role of Junior Engineers in the AI Era* 28:20 Multi-Agent Systems and MCP Standards* 35:55 LinkedIn's Legal Battles and Data Scraping* 37:32 The Future of AI and Hybrid Teams* 39:19 Building Agent AI: A Professional Network for Agents* 40:43 Challenges and Innovations in Agent AI* 45:02 The Evolution of UI in AI Systems* 01:00:25 Business Models: Work as a Service vs. Results as a Service* 01:09:17 The Future Value of Engineers* 01:09:51 Exploring the Role of Agents* 01:10:28 The Importance of Memory in AI* 01:11:02 Challenges and Opportunities in AI Memory* 01:12:41 Selective Memory and Privacy Concerns* 01:13:27 The Evolution of AI Tools and Platforms* 01:18:23 Domain Names and AI Projects* 01:32:08 Balancing Work and Personal Life* 01:35:52 Final Thoughts and ReflectionsTranscriptAlessio [00:00:04]: Hey everyone, welcome back to the Latent Space podcast. This is Alessio, partner and CTO at Decibel Partners, and I'm joined by my co-host Swyx, founder of Small AI.swyx [00:00:12]: Hello, and today we're super excited to have Dharmesh Shah to join us. I guess your relevant title here is founder of Agent AI.Dharmesh [00:00:20]: Yeah, that's true for this. Yeah, creator of Agent.ai and co-founder of HubSpot.swyx [00:00:25]: Co-founder of HubSpot, which I followed for many years, I think 18 years now, gonna be 19 soon. And you caught, you know, people can catch up on your HubSpot story elsewhere. I should also thank Sean Puri, who I've chatted with back and forth, who's been, I guess, getting me in touch with your people. But also, I think like, just giving us a lot of context, because obviously, My First Million joined you guys, and they've been chatting with you guys a lot. So for the business side, we can talk about that, but I kind of wanted to engage your CTO, agent, engineer side of things. So how did you get agent religion?Dharmesh [00:01:00]: Let's see. So I've been working, I'll take like a half step back, a decade or so ago, even though actually more than that. So even before HubSpot, the company I was contemplating that I had named for was called Ingenisoft. And the idea behind Ingenisoft was a natural language interface to business software. Now realize this is 20 years ago, so that was a hard thing to do. But the actual use case that I had in mind was, you know, we had data sitting in business systems like a CRM or something like that. And my kind of what I thought clever at the time. Oh, what if we used email as the kind of interface to get to business software? And the motivation for using email is that it automatically works when you're offline. So imagine I'm getting on a plane or I'm on a plane. There was no internet on planes back then. It's like, oh, I'm going through business cards from an event I went to. I can just type things into an email just to have them all in the backlog. When it reconnects, it sends those emails to a processor that basically kind of parses effectively the commands and updates the software, sends you the file, whatever it is. And there was a handful of commands. I was a little bit ahead of the times in terms of what was actually possible. And I reattempted this natural language thing with a product called ChatSpot that I did back 20...swyx [00:02:12]: Yeah, this is your first post-ChatGPT project.Dharmesh [00:02:14]: I saw it come out. Yeah. And so I've always been kind of fascinated by this natural language interface to software. Because, you know, as software developers, myself included, we've always said, oh, we build intuitive, easy-to-use applications. And it's not intuitive at all, right? Because what we're doing is... We're taking the mental model that's in our head of what we're trying to accomplish with said piece of software and translating that into a series of touches and swipes and clicks and things like that. And there's nothing natural or intuitive about it. And so natural language interfaces, for the first time, you know, whatever the thought is you have in your head and expressed in whatever language that you normally use to talk to yourself in your head, you can just sort of emit that and have software do something. And I thought that was kind of a breakthrough, which it has been. And it's gone. So that's where I first started getting into the journey. I started because now it actually works, right? So once we got ChatGPT and you can take, even with a few-shot example, convert something into structured, even back in the ChatGP 3.5 days, it did a decent job in a few-shot example, convert something to structured text if you knew what kinds of intents you were going to have. And so that happened. And that ultimately became a HubSpot project. But then agents intrigued me because I'm like, okay, well, that's the next step here. So chat's great. Love Chat UX. But if we want to do something even more meaningful, it felt like the next kind of advancement is not this kind of, I'm chatting with some software in a kind of a synchronous back and forth model, is that software is going to do things for me in kind of a multi-step way to try and accomplish some goals. So, yeah, that's when I first got started. It's like, okay, what would that look like? Yeah. And I've been obsessed ever since, by the way.Alessio [00:03:55]: Which goes back to your first experience with it, which is like you're offline. Yeah. And you want to do a task. You don't need to do it right now. You just want to queue it up for somebody to do it for you. Yes. As you think about agents, like, let's start at the easy question, which is like, how do you define an agent? Maybe. You mean the hardest question in the universe? Is that what you mean?Dharmesh [00:04:12]: You said you have an irritating take. I do have an irritating take. I think, well, some number of people have been irritated, including within my own team. So I have a very broad definition for agents, which is it's AI-powered software that accomplishes a goal. Period. That's it. And what irritates people about it is like, well, that's so broad as to be completely non-useful. And I understand that. I understand the criticism. But in my mind, if you kind of fast forward months, I guess, in AI years, the implementation of it, and we're already starting to see this, and we'll talk about this, different kinds of agents, right? So I think in addition to having a usable definition, and I like yours, by the way, and we should talk more about that, that you just came out with, the classification of agents actually is also useful, which is, is it autonomous or non-autonomous? Does it have a deterministic workflow? Does it have a non-deterministic workflow? Is it working synchronously? Is it working asynchronously? Then you have the different kind of interaction modes. Is it a chat agent, kind of like a customer support agent would be? You're having this kind of back and forth. Is it a workflow agent that just does a discrete number of steps? So there's all these different flavors of agents. So if I were to draw it in a Venn diagram, I would draw a big circle that says, this is agents, and then I have a bunch of circles, some overlapping, because they're not mutually exclusive. And so I think that's what's interesting, and we're seeing development along a bunch of different paths, right? So if you look at the first implementation of agent frameworks, you look at Baby AGI and AutoGBT, I think it was, not Autogen, that's the Microsoft one. They were way ahead of their time because they assumed this level of reasoning and execution and planning capability that just did not exist, right? So it was an interesting thought experiment, which is what it was. Even the guy that, I'm an investor in Yohei's fund that did Baby AGI. It wasn't ready, but it was a sign of what was to come. And so the question then is, when is it ready? And so lots of people talk about the state of the art when it comes to agents. I'm a pragmatist, so I think of the state of the practical. It's like, okay, well, what can I actually build that has commercial value or solves actually some discrete problem with some baseline of repeatability or verifiability?swyx [00:06:22]: There was a lot, and very, very interesting. I'm not irritated by it at all. Okay. As you know, I take a... There's a lot of anthropological view or linguistics view. And in linguistics, you don't want to be prescriptive. You want to be descriptive. Yeah. So you're a goals guy. That's the key word in your thing. And other people have other definitions that might involve like delegated trust or non-deterministic work, LLM in the loop, all that stuff. The other thing I was thinking about, just the comment on Baby AGI, LGBT. Yeah. In that piece that you just read, I was able to go through our backlog and just kind of track the winter of agents and then the summer now. Yeah. And it's... We can tell the whole story as an oral history, just following that thread. And it's really just like, I think, I tried to explain the why now, right? Like I had, there's better models, of course. There's better tool use with like, they're just more reliable. Yep. Better tools with MCP and all that stuff. And I'm sure you have opinions on that too. Business model shift, which you like a lot. I just heard you talk about RAS with MFM guys. Yep. Cost is dropping a lot. Yep. Inference is getting faster. There's more model diversity. Yep. Yep. I think it's a subtle point. It means that like, you have different models with different perspectives. You don't get stuck in the basin of performance of a single model. Sure. You can just get out of it by just switching models. Yep. Multi-agent research and RL fine tuning. So I just wanted to let you respond to like any of that.Dharmesh [00:07:44]: Yeah. A couple of things. Connecting the dots on the kind of the definition side of it. So we'll get the irritation out of the way completely. I have one more, even more irritating leap on the agent definition thing. So here's the way I think about it. By the way, the kind of word agent, I looked it up, like the English dictionary definition. The old school agent, yeah. Is when you have someone or something that does something on your behalf, like a travel agent or a real estate agent acts on your behalf. It's like proxy, which is a nice kind of general definition. So the other direction I'm sort of headed, and it's going to tie back to tool calling and MCP and things like that, is if you, and I'm not a biologist by any stretch of the imagination, but we have these single-celled organisms, right? Like the simplest possible form of what one would call life. But it's still life. It just happens to be single-celled. And then you can combine cells and then cells become specialized over time. And you have much more sophisticated organisms, you know, kind of further down the spectrum. In my mind, at the most fundamental level, you can almost think of having atomic agents. What is the simplest possible thing that's an agent that can still be called an agent? What is the equivalent of a kind of single-celled organism? And the reason I think that's useful is right now we're headed down the road, which I think is very exciting around tool use, right? That says, okay, the LLMs now can be provided a set of tools that it calls to accomplish whatever it needs to accomplish in the kind of furtherance of whatever goal it's trying to get done. And I'm not overly bothered by it, but if you think about it, if you just squint a little bit and say, well, what if everything was an agent? And what if tools were actually just atomic agents? Because then it's turtles all the way down, right? Then it's like, oh, well, all that's really happening with tool use is that we have a network of agents that know about each other through something like an MMCP and can kind of decompose a particular problem and say, oh, I'm going to delegate this to this set of agents. And why do we need to draw this distinction between tools, which are functions most of the time? And an actual agent. And so I'm going to write this irritating LinkedIn post, you know, proposing this. It's like, okay. And I'm not suggesting we should call even functions, you know, call them agents. But there is a certain amount of elegance that happens when you say, oh, we can just reduce it down to one primitive, which is an agent that you can combine in complicated ways to kind of raise the level of abstraction and accomplish higher order goals. Anyway, that's my answer. I'd say that's a success. Thank you for coming to my TED Talk on agent definitions.Alessio [00:09:54]: How do you define the minimum viable agent? Do you already have a definition for, like, where you draw the line between a cell and an atom? Yeah.Dharmesh [00:10:02]: So in my mind, it has to, at some level, use AI in order for it to—otherwise, it's just software. It's like, you know, we don't need another word for that. And so that's probably where I draw the line. So then the question, you know, the counterargument would be, well, if that's true, then lots of tools themselves are actually not agents because they're just doing a database call or a REST API call or whatever it is they're doing. And that does not necessarily qualify them, which is a fair counterargument. And I accept that. It's like a good argument. I still like to think about—because we'll talk about multi-agent systems, because I think—so we've accepted, which I think is true, lots of people have said it, and you've hopefully combined some of those clips of really smart people saying this is the year of agents, and I completely agree, it is the year of agents. But then shortly after that, it's going to be the year of multi-agent systems or multi-agent networks. I think that's where it's going to be headed next year. Yeah.swyx [00:10:54]: Opening eyes already on that. Yeah. My quick philosophical engagement with you on this. I often think about kind of the other spectrum, the other end of the cell spectrum. So single cell is life, multi-cell is life, and you clump a bunch of cells together in a more complex organism, they become organs, like an eye and a liver or whatever. And then obviously we consider ourselves one life form. There's not like a lot of lives within me. I'm just one life. And now, obviously, I don't think people don't really like to anthropomorphize agents and AI. Yeah. But we are extending our consciousness and our brain and our functionality out into machines. I just saw you were a Bee. Yeah. Which is, you know, it's nice. I have a limitless pendant in my pocket.Dharmesh [00:11:37]: I got one of these boys. Yeah.swyx [00:11:39]: I'm testing it all out. You know, got to be early adopters. But like, we want to extend our personal memory into these things so that we can be good at the things that we're good at. And, you know, machines are good at it. Machines are there. So like, my definition of life is kind of like going outside of my own body now. I don't know if you've ever had like reflections on that. Like how yours. How our self is like actually being distributed outside of you. Yeah.Dharmesh [00:12:01]: I don't fancy myself a philosopher. But you went there. So yeah, I did go there. I'm fascinated by kind of graphs and graph theory and networks and have been for a long, long time. And to me, we're sort of all nodes in this kind of larger thing. It just so happens that we're looking at individual kind of life forms as they exist right now. But so the idea is when you put a podcast out there, there's these little kind of nodes you're putting out there of like, you know, conceptual ideas. Once again, you have varying kind of forms of those little nodes that are up there and are connected in varying and sundry ways. And so I just think of myself as being a node in a massive, massive network. And I'm producing more nodes as I put content or ideas. And, you know, you spend some portion of your life collecting dots, experiences, people, and some portion of your life then connecting dots from the ones that you've collected over time. And I found that really interesting things happen and you really can't know in advance how those dots are necessarily going to connect in the future. And that's, yeah. So that's my philosophical take. That's the, yes, exactly. Coming back.Alessio [00:13:04]: Yep. Do you like graph as an agent? Abstraction? That's been one of the hot topics with LandGraph and Pydantic and all that.Dharmesh [00:13:11]: I do. The thing I'm more interested in terms of use of graphs, and there's lots of work happening on that now, is graph data stores as an alternative in terms of knowledge stores and knowledge graphs. Yeah. Because, you know, so I've been in software now 30 plus years, right? So it's not 10,000 hours. It's like 100,000 hours that I've spent doing this stuff. And so I've grew up with, so back in the day, you know, I started on mainframes. There was a product called IMS from IBM, which is basically an index database, what we'd call like a key value store today. Then we've had relational databases, right? We have tables and columns and foreign key relationships. We all know that. We have document databases like MongoDB, which is sort of a nested structure keyed by a specific index. We have vector stores, vector embedding database. And graphs are interesting for a couple of reasons. One is, so it's not classically structured in a relational way. When you say structured database, to most people, they're thinking tables and columns and in relational database and set theory and all that. Graphs still have structure, but it's not the tables and columns structure. And you could wonder, and people have made this case, that they are a better representation of knowledge for LLMs and for AI generally than other things. So that's kind of thing number one conceptually, and that might be true, I think is possibly true. And the other thing that I really like about that in the context of, you know, I've been in the context of data stores for RAG is, you know, RAG, you say, oh, I have a million documents, I'm going to build the vector embeddings, I'm going to come back with the top X based on the semantic match, and that's fine. All that's very, very useful. But the reality is something gets lost in the chunking process and the, okay, well, those tend, you know, like, you don't really get the whole picture, so to speak, and maybe not even the right set of dimensions on the kind of broader picture. And it makes intuitive sense to me that if we did capture it properly in a graph form, that maybe that feeding into a RAG pipeline will actually yield better results for some use cases, I don't know, but yeah.Alessio [00:15:03]: And do you feel like at the core of it, there's this difference between imperative and declarative programs? Because if you think about HubSpot, it's like, you know, people and graph kind of goes hand in hand, you know, but I think maybe the software before was more like primary foreign key based relationship, versus now the models can traverse through the graph more easily.Dharmesh [00:15:22]: Yes. So I like that representation. There's something. It's just conceptually elegant about graphs and just from the representation of it, they're much more discoverable, you can kind of see it, there's observability to it, versus kind of embeddings, which you can't really do much with as a human. You know, once they're in there, you can't pull stuff back out. But yeah, I like that kind of idea of it. And the other thing that's kind of, because I love graphs, I've been long obsessed with PageRank from back in the early days. And, you know, one of the kind of simplest algorithms in terms of coming up, you know, with a phone, everyone's been exposed to PageRank. And the idea is that, and so I had this other idea for a project, not a company, and I have hundreds of these, called NodeRank, is to be able to take the idea of PageRank and apply it to an arbitrary graph that says, okay, I'm going to define what authority looks like and say, okay, well, that's interesting to me, because then if you say, I'm going to take my knowledge store, and maybe this person that contributed some number of chunks to the graph data store has more authority on this particular use case or prompt that's being submitted than this other one that may, or maybe this one was more. popular, or maybe this one has, whatever it is, there should be a way for us to kind of rank nodes in a graph and sort them in some, some useful way. Yeah.swyx [00:16:34]: So I think that's generally useful for, for anything. I think the, the problem, like, so even though at my conferences, GraphRag is super popular and people are getting knowledge, graph religion, and I will say like, it's getting space, getting traction in two areas, conversation memory, and then also just rag in general, like the, the, the document data. Yeah. It's like a source. Most ML practitioners would say that knowledge graph is kind of like a dirty word. The graph database, people get graph religion, everything's a graph, and then they, they go really hard into it and then they get a, they get a graph that is too complex to navigate. Yes. And so like the, the, the simple way to put it is like you at running HubSpot, you know, the power of graphs, the way that Google has pitched them for many years, but I don't suspect that HubSpot itself uses a knowledge graph. No. Yeah.Dharmesh [00:17:26]: So when is it over engineering? Basically? It's a great question. I don't know. So the question now, like in AI land, right, is the, do we necessarily need to understand? So right now, LLMs for, for the most part are somewhat black boxes, right? We sort of understand how the, you know, the algorithm itself works, but we really don't know what's going on in there and, and how things come out. So if a graph data store is able to produce the outcomes we want, it's like, here's a set of queries I want to be able to submit and then it comes out with useful content. Maybe the underlying data store is as opaque as a vector embeddings or something like that, but maybe it's fine. Maybe we don't necessarily need to understand it to get utility out of it. And so maybe if it's messy, that's okay. Um, that's, it's just another form of lossy compression. Uh, it's just lossy in a way that we just don't completely understand in terms of, because it's going to grow organically. Uh, and it's not structured. It's like, ah, we're just gonna throw a bunch of stuff in there. Let the, the equivalent of the embedding algorithm, whatever they called in graph land. Um, so the one with the best results wins. I think so. Yeah.swyx [00:18:26]: Or is this the practical side of me is like, yeah, it's, if it's useful, we don't necessarilyDharmesh [00:18:30]: need to understand it.swyx [00:18:30]: I have, I mean, I'm happy to push back as long as you want. Uh, it's not practical to evaluate like the 10 different options out there because it takes time. It takes people, it takes, you know, resources, right? Set. That's the first thing. Second thing is your evals are typically on small things and some things only work at scale. Yup. Like graphs. Yup.Dharmesh [00:18:46]: Yup. That's, yeah, no, that's fair. And I think this is one of the challenges in terms of implementation of graph databases is that the most common approach that I've seen developers do, I've done it myself, is that, oh, I've got a Postgres database or a MySQL or whatever. I can represent a graph with a very set of tables with a parent child thing or whatever. And that sort of gives me the ability, uh, why would I need anything more than that? And the answer is, well, if you don't need anything more than that, you don't need anything more than that. But there's a high chance that you're sort of missing out on the actual value that, uh, the graph representation gives you. Which is the ability to traverse the graph, uh, efficiently in ways that kind of going through the, uh, traversal in a relational database form, even though structurally you have the data, practically you're not gonna be able to pull it out in, in useful ways. Uh, so you wouldn't like represent a social graph, uh, in, in using that kind of relational table model. It just wouldn't scale. It wouldn't work.swyx [00:19:36]: Uh, yeah. Uh, I think we want to move on to MCP. Yeah. But I just want to, like, just engineering advice. Yeah. Uh, obviously you've, you've, you've run, uh, you've, you've had to do a lot of projects and run a lot of teams. Do you have a general rule for over-engineering or, you know, engineering ahead of time? You know, like, because people, we know premature engineering is the root of all evil. Yep. But also sometimes you just have to. Yep. When do you do it? Yes.Dharmesh [00:19:59]: It's a great question. This is, uh, a question as old as time almost, which is what's the right and wrong levels of abstraction. That's effectively what, uh, we're answering when we're trying to do engineering. I tend to be a pragmatist, right? So here's the thing. Um, lots of times doing something the right way. Yeah. It's like a marginal increased cost in those cases. Just do it the right way. And this is what makes a, uh, a great engineer or a good engineer better than, uh, a not so great one. It's like, okay, all things being equal. If it's going to take you, you know, roughly close to constant time anyway, might as well do it the right way. Like, so do things well, then the question is, okay, well, am I building a framework as the reusable library? To what degree, uh, what am I anticipating in terms of what's going to need to change in this thing? Uh, you know, along what dimension? And then I think like a business person in some ways, like what's the return on calories, right? So, uh, and you look at, um, energy, the expected value of it's like, okay, here are the five possible things that could happen, uh, try to assign probabilities like, okay, well, if there's a 50% chance that we're going to go down this particular path at some day, like, or one of these five things is going to happen and it costs you 10% more to engineer for that. It's basically, it's something that yields a kind of interest compounding value. Um, as you get closer to the time of, of needing that versus having to take on debt, which is when you under engineer it, you're taking on debt. You're going to have to pay off when you do get to that eventuality where something happens. One thing as a pragmatist, uh, so I would rather under engineer something than over engineer it. If I were going to err on the side of something, and here's the reason is that when you under engineer it, uh, yes, you take on tech debt, uh, but the interest rate is relatively known and payoff is very, very possible, right? Which is, oh, I took a shortcut here as a result of which now this thing that should have taken me a week is now going to take me four weeks. Fine. But if that particular thing that you thought might happen, never actually, you never have that use case transpire or just doesn't, it's like, well, you just save yourself time, right? And that has value because you were able to do other things instead of, uh, kind of slightly over-engineering it away, over-engineering it. But there's no perfect answers in art form in terms of, uh, and yeah, we'll, we'll bring kind of this layers of abstraction back on the code generation conversation, which we'll, uh, I think I have later on, butAlessio [00:22:05]: I was going to ask, we can just jump ahead quickly. Yeah. Like, as you think about vibe coding and all that, how does the. Yeah. Percentage of potential usefulness change when I feel like we over-engineering a lot of times it's like the investment in syntax, it's less about the investment in like arc exacting. Yep. Yeah. How does that change your calculus?Dharmesh [00:22:22]: A couple of things, right? One is, um, so, you know, going back to that kind of ROI or a return on calories, kind of calculus or heuristic you think through, it's like, okay, well, what is it going to cost me to put this layer of abstraction above the code that I'm writing now, uh, in anticipating kind of future needs. If the cost of fixing, uh, or doing under engineering right now. Uh, we'll trend towards zero that says, okay, well, I don't have to get it right right now because even if I get it wrong, I'll run the thing for six hours instead of 60 minutes or whatever. It doesn't really matter, right? Like, because that's going to trend towards zero to be able, the ability to refactor a code. Um, and because we're going to not that long from now, we're going to have, you know, large code bases be able to exist, uh, you know, as, as context, uh, for a code generation or a code refactoring, uh, model. So I think it's going to make it, uh, make the case for under engineering, uh, even stronger. Which is why I take on that cost. You just pay the interest when you get there, it's not, um, just go on with your life vibe coded and, uh, come back when you need to. Yeah.Alessio [00:23:18]: Sometimes I feel like there's no decision-making in some things like, uh, today I built a autosave for like our internal notes platform and I literally just ask them cursor. Can you add autosave? Yeah. I don't know if it's over under engineer. Yep. I just vibe coded it. Yep. And I feel like at some point we're going to get to the point where the models kindDharmesh [00:23:36]: of decide where the right line is, but this is where the, like the, in my mind, the danger is, right? So there's two sides to this. One is the cost of kind of development and coding and things like that stuff that, you know, we talk about. But then like in your example, you know, one of the risks that we have is that because adding a feature, uh, like a save or whatever the feature might be to a product as that price tends towards zero, are we going to be less discriminant about what features we add as a result of making more product products more complicated, which has a negative impact on the user and navigate negative impact on the business. Um, and so that's the thing I worry about if it starts to become too easy, are we going to be. Too promiscuous in our, uh, kind of extension, adding product extensions and things like that. It's like, ah, why not add X, Y, Z or whatever back then it was like, oh, we only have so many engineering hours or story points or however you measure things. Uh, that least kept us in check a little bit. Yeah.Alessio [00:24:22]: And then over engineering, you're like, yeah, it's kind of like you're putting that on yourself. Yeah. Like now it's like the models don't understand that if they add too much complexity, it's going to come back to bite them later. Yep. So they just do whatever they want to do. Yeah. And I'm curious where in the workflow that's going to be, where it's like, Hey, this is like the amount of complexity and over-engineering you can do before you got to ask me if we should actually do it versus like do something else.Dharmesh [00:24:45]: So you know, we've already, let's like, we're leaving this, uh, in the code generation world, this kind of compressed, um, cycle time. Right. It's like, okay, we went from auto-complete, uh, in the GitHub co-pilot to like, oh, finish this particular thing and hit tab to a, oh, I sort of know your file or whatever. I can write out a full function to you to now I can like hold a bunch of the context in my head. Uh, so we can do app generation, which we have now with lovable and bolt and repletage. Yeah. Association and other things. So then the question is, okay, well, where does it naturally go from here? So we're going to generate products. Make sense. We might be able to generate platforms as though I want a platform for ERP that does this, whatever. And that includes the API's includes the product and the UI, and all the things that make for a platform. There's no nothing that says we would stop like, okay, can you generate an entire software company someday? Right. Uh, with the platform and the monetization and the go-to-market and the whatever. And you know, that that's interesting to me in terms of, uh, you know, what, when you take it to almost ludicrous levels. of abstract.swyx [00:25:39]: It's like, okay, turn it to 11. You mentioned vibe coding, so I have to, this is a blog post I haven't written, but I'm kind of exploring it. Is the junior engineer dead?Dharmesh [00:25:49]: I don't think so. I think what will happen is that the junior engineer will be able to, if all they're bringing to the table is the fact that they are a junior engineer, then yes, they're likely dead. But hopefully if they can communicate with carbon-based life forms, they can interact with product, if they're willing to talk to customers, they can take their kind of basic understanding of engineering and how kind of software works. I think that has value. So I have a 14-year-old right now who's taking Python programming class, and some people ask me, it's like, why is he learning coding? And my answer is, is because it's not about the syntax, it's not about the coding. What he's learning is like the fundamental thing of like how things work. And there's value in that. I think there's going to be timeless value in systems thinking and abstractions and what that means. And whether functions manifested as math, which he's going to get exposed to regardless, or there are some core primitives to the universe, I think, that the more you understand them, those are what I would kind of think of as like really large dots in your life that will have a higher gravitational pull and value to them that you'll then be able to. So I want him to collect those dots, and he's not resisting. So it's like, okay, while he's still listening to me, I'm going to have him do things that I think will be useful.swyx [00:26:59]: You know, part of one of the pitches that I evaluated for AI engineer is a term. And the term is that maybe the traditional interview path or career path of software engineer goes away, which is because what's the point of lead code? Yeah. And, you know, it actually matters more that you know how to work with AI and to implement the things that you want. Yep.Dharmesh [00:27:16]: That's one of the like interesting things that's happened with generative AI. You know, you go from machine learning and the models and just that underlying form, which is like true engineering, right? Like the actual, what I call real engineering. I don't think of myself as a real engineer, actually. I'm a developer. But now with generative AI. We call it AI and it's obviously got its roots in machine learning, but it just feels like fundamentally different to me. Like you have the vibe. It's like, okay, well, this is just a whole different approach to software development to so many different things. And so I'm wondering now, it's like an AI engineer is like, if you were like to draw the Venn diagram, it's interesting because the cross between like AI things, generative AI and what the tools are capable of, what the models do, and this whole new kind of body of knowledge that we're still building out, it's still very young, intersected with kind of classic engineering, software engineering. Yeah.swyx [00:28:04]: I just described the overlap as it separates out eventually until it's its own thing, but it's starting out as a software. Yeah.Alessio [00:28:11]: That makes sense. So to close the vibe coding loop, the other big hype now is MCPs. Obviously, I would say Cloud Desktop and Cursor are like the two main drivers of MCP usage. I would say my favorite is the Sentry MCP. I can pull in errors and then you can just put the context in Cursor. How do you think about that abstraction layer? Does it feel... Does it feel almost too magical in a way? Do you think it's like you get enough? Because you don't really see how the server itself is then kind of like repackaging theDharmesh [00:28:41]: information for you? I think MCP as a standard is one of the better things that's happened in the world of AI because a standard needed to exist and absent a standard, there was a set of things that just weren't possible. Now, we can argue whether it's the best possible manifestation of a standard or not. Does it do too much? Does it do too little? I get that, but it's just simple enough to both be useful and unobtrusive. It's understandable and adoptable by mere mortals, right? It's not overly complicated. You know, a reasonable engineer can put a stand up an MCP server relatively easily. The thing that has me excited about it is like, so I'm a big believer in multi-agent systems. And so that's going back to our kind of this idea of an atomic agent. So imagine the MCP server, like obviously it calls tools, but the way I think about it, so I'm working on my current passion project is agent.ai. And we'll talk more about that in a little bit. More about the, I think we should, because I think it's interesting not to promote the project at all, but there's some interesting ideas in there. One of which is around, we're going to need a mechanism for, if agents are going to collaborate and be able to delegate, there's going to need to be some form of discovery and we're going to need some standard way. It's like, okay, well, I just need to know what this thing over here is capable of. We're going to need a registry, which Anthropic's working on. I'm sure others will and have been doing directories of, and there's going to be a standard around that too. How do you build out a directory of MCP servers? I think that's going to unlock so many things just because, and we're already starting to see it. So I think MCP or something like it is going to be the next major unlock because it allows systems that don't know about each other, don't need to, it's that kind of decoupling of like Sentry and whatever tools someone else was building. And it's not just about, you know, Cloud Desktop or things like, even on the client side, I think we're going to see very interesting consumers of MCP, MCP clients versus just the chat body kind of things. Like, you know, Cloud Desktop and Cursor and things like that. But yeah, I'm very excited about MCP in that general direction.swyx [00:30:39]: I think the typical cynical developer take, it's like, we have OpenAPI. Yeah. What's the new thing? I don't know if you have a, do you have a quick MCP versus everything else? Yeah.Dharmesh [00:30:49]: So it's, so I like OpenAPI, right? So just a descriptive thing. It's OpenAPI. OpenAPI. Yes, that's what I meant. So it's basically a self-documenting thing. We can do machine-generated, lots of things from that output. It's a structured definition of an API. I get that, love it. But MCPs sort of are kind of use case specific. They're perfect for exactly what we're trying to use them for around LLMs in terms of discovery. It's like, okay, I don't necessarily need to know kind of all this detail. And so right now we have, we'll talk more about like MCP server implementations, but We will? I think, I don't know. Maybe we won't. At least it's in my head. It's like a back processor. But I do think MCP adds value above OpenAPI. It's, yeah, just because it solves this particular thing. And if we had come to the world, which we have, like, it's like, hey, we already have OpenAPI. It's like, if that were good enough for the universe, the universe would have adopted it already. There's a reason why MCP is taking office because marginally adds something that was missing before and doesn't go too far. And so that's why the kind of rate of adoption, you folks have written about this and talked about it. Yeah, why MCP won. Yeah. And it won because the universe decided that this was useful and maybe it gets supplanted by something else. Yeah. And maybe we discover, oh, maybe OpenAPI was good enough the whole time. I doubt that.swyx [00:32:09]: The meta lesson, this is, I mean, he's an investor in DevTools companies. I work in developer experience at DevRel in DevTools companies. Yep. Everyone wants to own the standard. Yeah. I'm sure you guys have tried to launch your own standards. Actually, it's Houseplant known for a standard, you know, obviously inbound marketing. But is there a standard or protocol that you ever tried to push? No.Dharmesh [00:32:30]: And there's a reason for this. Yeah. Is that? And I don't mean, need to mean, speak for the people of HubSpot, but I personally. You kind of do. I'm not smart enough. That's not the, like, I think I have a. You're smart. Not enough for that. I'm much better off understanding the standards that are out there. And I'm more on the composability side. Let's, like, take the pieces of technology that exist out there, combine them in creative, unique ways. And I like to consume standards. I don't like to, and that's not that I don't like to create them. I just don't think I have the, both the raw wattage or the credibility. It's like, okay, well, who the heck is Dharmesh, and why should we adopt a standard he created?swyx [00:33:07]: Yeah, I mean, there are people who don't monetize standards, like OpenTelemetry is a big standard, and LightStep never capitalized on that.Dharmesh [00:33:15]: So, okay, so if I were to do a standard, there's two things that have been in my head in the past. I was one around, a very, very basic one around, I don't even have the domain, I have a domain for everything, for open marketing. Because the issue we had in HubSpot grew up in the marketing space. There we go. There was no standard around data formats and things like that. It doesn't go anywhere. But the other one, and I did not mean to go here, but I'm going to go here. It's called OpenGraph. I know the term was already taken, but it hasn't been used for like 15 years now for its original purpose. But what I think should exist in the world is right now, our information, all of us, nodes are in the social graph at Meta or the professional graph at LinkedIn. Both of which are actually relatively closed in actually very annoying ways. Like very, very closed, right? Especially LinkedIn. Especially LinkedIn. I personally believe that if it's my data, and if I would get utility out of it being open, I should be able to make my data open or publish it in whatever forms that I choose, as long as I have control over it as opt-in. So the idea is around OpenGraph that says, here's a standard, here's a way to publish it. I should be able to go to OpenGraph.org slash Dharmesh dot JSON and get it back. And it's like, here's your stuff, right? And I can choose along the way and people can write to it and I can prove. And there can be an entire system. And if I were to do that, I would do it as a... Like a public benefit, non-profit-y kind of thing, as this is a contribution to society. I wouldn't try to commercialize that. Have you looked at AdProto? What's that? AdProto.swyx [00:34:43]: It's the protocol behind Blue Sky. Okay. My good friend, Dan Abramov, who was the face of React for many, many years, now works there. And he actually did a talk that I can send you, which basically kind of tries to articulate what you just said. But he does, he loves doing these like really great analogies, which I think you'll like. Like, you know, a lot of our data is behind a handle, behind a domain. Yep. So he's like, all right, what if we flip that? What if it was like our handle and then the domain? Yep. So, and that's really like your data should belong to you. Yep. And I should not have to wait 30 days for my Twitter data to export. Yep.Dharmesh [00:35:19]: you should be able to at least be able to automate it or do like, yes, I should be able to plug it into an agentic thing. Yeah. Yes. I think we're... Because so much of our data is... Locked up. I think the trick here isn't that standard. It is getting the normies to care.swyx [00:35:37]: Yeah. Because normies don't care.Dharmesh [00:35:38]: That's true. But building on that, normies don't care. So, you know, privacy is a really hot topic and an easy word to use, but it's not a binary thing. Like there are use cases where, and we make these choices all the time, that I will trade, not all privacy, but I will trade some privacy for some productivity gain or some benefit to me that says, oh, I don't care about that particular data being online if it gives me this in return, or I don't mind sharing this information with this company.Alessio [00:36:02]: If I'm getting, you know, this in return, but that sort of should be my option. I think now with computer use, you can actually automate some of the exports. Yes. Like something we've been doing internally is like everybody exports their LinkedIn connections. Yep. And then internally, we kind of merge them together to see how we can connect our companies to customers or things like that.Dharmesh [00:36:21]: And not to pick on LinkedIn, but since we're talking about it, but they feel strongly enough on the, you know, do not take LinkedIn data that they will block even browser use kind of things or whatever. They go to great, great lengths, even to see patterns of usage. And it says, oh, there's no way you could have, you know, gotten that particular thing or whatever without, and it's, so it's, there's...swyx [00:36:42]: Wasn't there a Supreme Court case that they lost? Yeah.Dharmesh [00:36:45]: So the one they lost was around someone that was scraping public data that was on the public internet. And that particular company had not signed any terms of service or whatever. It's like, oh, I'm just taking data that's on, there was no, and so that's why they won. But now, you know, the question is around, can LinkedIn... I think they can. Like, when you use, as a user, you use LinkedIn, you are signing up for their terms of service. And if they say, well, this kind of use of your LinkedIn account that violates our terms of service, they can shut your account down, right? They can. And they, yeah, so, you know, we don't need to make this a discussion. By the way, I love the company, don't get me wrong. I'm an avid user of the product. You know, I've got... Yeah, I mean, you've got over a million followers on LinkedIn, I think. Yeah, I do. And I've known people there for a long, long time, right? And I have lots of respect. And I understand even where the mindset originally came from of this kind of members-first approach to, you know, a privacy-first. I sort of get that. But sometimes you sort of have to wonder, it's like, okay, well, that was 15, 20 years ago. There's likely some controlled ways to expose some data on some member's behalf and not just completely be a binary. It's like, no, thou shalt not have the data.swyx [00:37:54]: Well, just pay for sales navigator.Alessio [00:37:57]: Before we move to the next layer of instruction, anything else on MCP you mentioned? Let's move back and then I'll tie it back to MCPs.Dharmesh [00:38:05]: So I think the... Open this with agent. Okay, so I'll start with... Here's my kind of running thesis, is that as AI and agents evolve, which they're doing very, very quickly, we're going to look at them more and more. I don't like to anthropomorphize. We'll talk about why this is not that. Less as just like raw tools and more like teammates. They'll still be software. They should self-disclose as being software. I'm totally cool with that. But I think what's going to happen is that in the same way you might collaborate with a team member on Slack or Teams or whatever you use, you can imagine a series of agents that do specific things just like a team member might do, that you can delegate things to. You can collaborate. You can say, hey, can you take a look at this? Can you proofread that? Can you try this? You can... Whatever it happens to be. So I think it is... I will go so far as to say it's inevitable that we're going to have hybrid teams someday. And what I mean by hybrid teams... So back in the day, hybrid teams were, oh, well, you have some full-time employees and some contractors. Then it was like hybrid teams are some people that are in the office and some that are remote. That's the kind of form of hybrid. The next form of hybrid is like the carbon-based life forms and agents and AI and some form of software. So let's say we temporarily stipulate that I'm right about that over some time horizon that eventually we're going to have these kind of digitally hybrid teams. So if that's true, then the question you sort of ask yourself is that then what needs to exist in order for us to get the full value of that new model? It's like, okay, well... You sort of need to... It's like, okay, well, how do I... If I'm building a digital team, like, how do I... Just in the same way, if I'm interviewing for an engineer or a designer or a PM, whatever, it's like, well, that's why we have professional networks, right? It's like, oh, they have a presence on likely LinkedIn. I can go through that semi-structured, structured form, and I can see the experience of whatever, you know, self-disclosed. But, okay, well, agents are going to need that someday. And so I'm like, okay, well, this seems like a thread that's worth pulling on. That says, okay. So I... So agent.ai is out there. And it's LinkedIn for agents. It's LinkedIn for agents. It's a professional network for agents. And the more I pull on that thread, it's like, okay, well, if that's true, like, what happens, right? It's like, oh, well, they have a profile just like anyone else, just like a human would. It's going to be a graph underneath, just like a professional network would be. It's just that... And you can have its, you know, connections and follows, and agents should be able to post. That's maybe how they do release notes. Like, oh, I have this new version. Whatever they decide to post, it should just be able to... Behave as a node on the network of a professional network. As it turns out, the more I think about that and pull on that thread, the more and more things, like, start to make sense to me. So it may be more than just a pure professional network. So my original thought was, okay, well, it's a professional network and agents as they exist out there, which I think there's going to be more and more of, will kind of exist on this network and have the profile. But then, and this is always dangerous, I'm like, okay, I want to see a world where thousands of agents are out there in order for the... Because those digital employees, the digital workers don't exist yet in any meaningful way. And so then I'm like, oh, can I make that easier for, like... And so I have, as one does, it's like, oh, I'll build a low-code platform for building agents. How hard could that be, right? Like, very hard, as it turns out. But it's been fun. So now, agent.ai has 1.3 million users. 3,000 people have actually, you know, built some variation of an agent, sometimes just for their own personal productivity. About 1,000 of which have been published. And the reason this comes back to MCP for me, so imagine that and other networks, since I know agent.ai. So right now, we have an MCP server for agent.ai that exposes all the internally built agents that we have that do, like, super useful things. Like, you know, I have access to a Twitter API that I can subsidize the cost. And I can say, you know, if you're looking to build something for social media, these kinds of things, with a single API key, and it's all completely free right now, I'm funding it. That's a useful way for it to work. And then we have a developer to say, oh, I have this idea. I don't have to worry about open AI. I don't have to worry about, now, you know, this particular model is better. It has access to all the models with one key. And we proxy it kind of behind the scenes. And then expose it. So then we get this kind of community effect, right? That says, oh, well, someone else may have built an agent to do X. Like, I have an agent right now that I built for myself to do domain valuation for website domains because I'm obsessed with domains, right? And, like, there's no efficient market for domains. There's no Zillow for domains right now that tells you, oh, here are what houses in your neighborhood sold for. It's like, well, why doesn't that exist? We should be able to solve that problem. And, yes, you're still guessing. Fine. There should be some simple heuristic. So I built that. It's like, okay, well, let me go look for past transactions. You say, okay, I'm going to type in agent.ai, agent.com, whatever domain. What's it actually worth? I'm looking at buying it. It can go and say, oh, which is what it does. It's like, I'm going to go look at are there any published domain transactions recently that are similar, either use the same word, same top-level domain, whatever it is. And it comes back with an approximate value, and it comes back with its kind of rationale for why it picked the value and comparable transactions. Oh, by the way, this domain sold for published. Okay. So that agent now, let's say, existed on the web, on agent.ai. Then imagine someone else says, oh, you know, I want to build a brand-building agent for startups and entrepreneurs to come up with names for their startup. Like a common problem, every startup is like, ah, I don't know what to call it. And so they type in five random words that kind of define whatever their startup is. And you can do all manner of things, one of which is like, oh, well, I need to find the domain for it. What are possible choices? Now it's like, okay, well, it would be nice to know if there's an aftermarket price for it, if it's listed for sale. Awesome. Then imagine calling this valuation agent. It's like, okay, well, I want to find where the arbitrage is, where the agent valuation tool says this thing is worth $25,000. It's listed on GoDaddy for $5,000. It's close enough. Let's go do that. Right? And that's a kind of composition use case that in my future state. Thousands of agents on the network, all discoverable through something like MCP. And then you as a developer of agents have access to all these kind of Lego building blocks based on what you're trying to solve. Then you blend in orchestration, which is getting better and better with the reasoning models now. Just describe the problem that you have. Now, the next layer that we're all contending with is that how many tools can you actually give an LLM before the LLM breaks? That number used to be like 15 or 20 before you kind of started to vary dramatically. And so that's the thing I'm thinking about now. It's like, okay, if I want to... If I want to expose 1,000 of these agents to a given LLM, obviously I can't give it all 1,000. Is there some intermediate layer that says, based on your prompt, I'm going to make a best guess at which agents might be able to be helpful for this particular thing? Yeah.Alessio [00:44:37]: Yeah, like RAG for tools. Yep. I did build the Latent Space Researcher on agent.ai. Okay. Nice. Yeah, that seems like, you know, then there's going to be a Latent Space Scheduler. And then once I schedule a research, you know, and you build all of these things. By the way, my apologies for the user experience. You realize I'm an engineer. It's pretty good.swyx [00:44:56]: I think it's a normie-friendly thing. Yeah. That's your magic. HubSpot does the same thing.Alessio [00:45:01]: Yeah, just to like quickly run through it. You can basically create all these different steps. And these steps are like, you know, static versus like variable-driven things. How did you decide between this kind of like low-code-ish versus doing, you know, low-code with code backend versus like not exposing that at all? Any fun design decisions? Yeah. And this is, I think...Dharmesh [00:45:22]: I think lots of people are likely sitting in exactly my position right now, coming through the choosing between deterministic. Like if you're like in a business or building, you know, some sort of agentic thing, do you decide to do a deterministic thing? Or do you go non-deterministic and just let the alum handle it, right, with the reasoning models? The original idea and the reason I took the low-code stepwise, a very deterministic approach. A, the reasoning models did not exist at that time. That's thing number one. Thing number two is if you can get... If you know in your head... If you know in your head what the actual steps are to accomplish whatever goal, why would you leave that to chance? There's no upside. There's literally no upside. Just tell me, like, what steps do you need executed? So right now what I'm playing with... So one thing we haven't talked about yet, and people don't talk about UI and agents. Right now, the primary interaction model... Or they don't talk enough about it. I know some people have. But it's like, okay, so we're used to the chatbot back and forth. Fine. I get that. But I think we're going to move to a blend of... Some of those things are going to be synchronous as they are now. But some are going to be... Some are going to be async. It's just going to put it in a queue, just like... And this goes back to my... Man, I talk fast. But I have this... I only have one other speed. It's even faster. So imagine it's like if you're working... So back to my, oh, we're going to have these hybrid digital teams. Like, you would not go to a co-worker and say, I'm going to ask you to do this thing, and then sit there and wait for them to go do it. Like, that's not how the world works. So it's nice to be able to just, like, hand something off to someone. It's like, okay, well, maybe I expect a response in an hour or a day or something like that.Dharmesh [00:46:52]: In terms of when things need to happen. So the UI around agents. So if you look at the output of agent.ai agents right now, they are the simplest possible manifestation of a UI, right? That says, oh, we have inputs of, like, four different types. Like, we've got a dropdown, we've got multi-select, all the things. It's like back in HTML, the original HTML 1.0 days, right? Like, you're the smallest possible set of primitives for a UI. And it just says, okay, because we need to collect some information from the user, and then we go do steps and do things. And generate some output in HTML or markup are the two primary examples. So the thing I've been asking myself, if I keep going down that path. So people ask me, I get requests all the time. It's like, oh, can you make the UI sort of boring? I need to be able to do this, right? And if I keep pulling on that, it's like, okay, well, now I've built an entire UI builder thing. Where does this end? And so I think the right answer, and this is what I'm going to be backcoding once I get done here, is around injecting a code generation UI generation into, the agent.ai flow, right? As a builder, you're like, okay, I'm going to describe the thing that I want, much like you would do in a vibe coding world. But instead of generating the entire app, it's going to generate the UI that exists at some point in either that deterministic flow or something like that. It says, oh, here's the thing I'm trying to do. Go generate the UI for me. And I can go through some iterations. And what I think of it as a, so it's like, I'm going to generate the code, generate the code, tweak it, go through this kind of prompt style, like we do with vibe coding now. And at some point, I'm going to be happy with it. And I'm going to hit save. And that's going to become the action in that particular step. It's like a caching of the generated code that I can then, like incur any inference time costs. It's just the actual code at that point.Alessio [00:48:29]: Yeah, I invested in a company called E2B, which does code sandbox. And they powered the LM arena web arena. So it's basically the, just like you do LMS, like text to text, they do the same for like UI generation. So if you're asking a model, how do you do it? But yeah, I think that's kind of where.Dharmesh [00:48:45]: That's the thing I'm really fascinated by. So the early LLM, you know, we're understandably, but laughably bad at simple arithmetic, right? That's the thing like my wife, Normies would ask us, like, you call this AI, like it can't, my son would be like, it's just stupid. It can't even do like simple arithmetic. And then like we've discovered over time that, and there's a reason for this, right? It's like, it's a large, there's, you know, the word language is in there for a reason in terms of what it's been trained on. It's not meant to do math, but now it's like, okay, well, the fact that it has access to a Python interpreter that I can actually call at runtime, that solves an entire body of problems that it wasn't trained to do. And it's basically a form of delegation. And so the thought that's kind of rattling around in my head is that that's great. So it's, it's like took the arithmetic problem and took it first. Now, like anything that's solvable through a relatively concrete Python program, it's able to do a bunch of things that I couldn't do before. Can we get to the same place with UI? I don't know what the future of UI looks like in a agentic AI world, but maybe let the LLM handle it, but not in the classic sense. Maybe it generates it on the fly, or maybe we go through some iterations and hit cache or something like that. So it's a little bit more predictable. Uh, I don't know, but yeah.Alessio [00:49:48]: And especially when is the human supposed to intervene? So, especially if you're composing them, most of them should not have a UI because then they're just web hooking to somewhere else. I just want to touch back. I don't know if you have more comments on this.swyx [00:50:01]: I was just going to ask when you, you said you got, you're going to go back to code. What

Introduction (0:00:00). Justin apologizes, and atones, for a Cardinal sin.The Break (0:02:15). Results from Queens DA and Cap City. Plus, a new job opening!Vexatious Litigants (0:03:35). Colleague fight! Stetson's Liz Boals and Kate Donoghue debate if competitions are better with "live witnesses" or "team witnesses." Kate insults her boss. Liz threatens her job.Suggested Plagiarism (0:34:07). Dr. Emily Shaw -- a professional jury consultant and successful mock trial coach -- identifies trial lawyers' most common mistakes, reveals the most surprising aspects of her jury research, addresses how much a lawyer's charisma actually matters, discusses how political affiliations affect jury selection, and explains how coaching mock trial has helped her jury consulting (and vice versa).Mailbag (1:07:16). What tournament innovations would you like to see next?

Muthu Muthiah is the CIO at Children's Healthcare of Atlanta (CHOA), one of the largest pediatric care providers in the United States. At CHOA, Muthiah leads the investment office, which manages the system's long-term $6.4 billion investment portfolio. Previously Muthu has been in several allocator roles at different types of institutional pools of capital.Links: ⭐ Sponsored by Podcast10x - Podcasting agency for VCs - https://podcast10x.comCHOA's website - https://choa.org/Muthu Muthiah on LinkedIn - https://www.linkedin.com/in/muthumuthiah/

Are there any special things we should be considering when former clients want to come back to volunteer? Stacey and Andy have thoughts. Also this week, we discuss whether an organization should have an "overhead target" and if it's appropriate for a financial auditor to suggest a specific number. Thanks for joining us this week, and be sure to send any and all questions (or suggestions!) to questions@NonprofitEverything.com.

Collecting 95% sounds great. But there's a big problem: you're leaving 5% on the table! In this episode of Metric Mondays, Kirk Behrendt brings back Dr. Barrett Straub, ACT's CEO, to break down net collections percentage. You'll learn why 95% isn't as great as it sounds, how it's killing your practice, and what you can do to raise this KPI. To learn what you need to know about net collections, listen to Episode 862 of The Best Practices Show!Learn More About Dr. Straub:Send Dr. Straub an email: barrett@actdental.com Join Dr. Straub on Facebook: https://www.facebook.com/barrett.d.straubSend Gina an email: gina@actdental.com More Helpful Links for a Better Practice & a Better Life:Subscribe to The Best Practices Show: https://the-best-practices-show.captivate.fm/listenJoin The Best Practices Association: https://www.actdental.com/bpaDownload ACT's BPA app on the Apple App Store: https://apps.apple.com/us/app/best-practices-association/id6738960360Download ACT's BPA app on the Google Play Store: https://play.google.com/store/apps/details?id=com.actdental.join&hl=en_USJoin ACT's To The Top Study Club: https://www.actdental.com/tttSee the ACT Dental/BPA Live Event Schedule: https://www.actdental.com/eventGet The Best Practices Magazine for free: https://www.actdental.com/magazinePlease leave us a review on the podcast: https://podcasts.apple.com/us/podcast/the-best-practices-show-with-kirk-behrendt/id1223838218Episode Resources:Watch the video version of Episode 862: https://www.youtube.com/@actdental/videosRegister for ACT's To The Top Study Club (April 11, 2025): https://www.eventbrite.com/e/climb-with-us-register-for-april-11-2025-ttt-study-club-tickets-1012966789937Register for ACT's To The Top Study Club (July 25, 2025): https://www.eventbrite.com/e/climb-with-us-register-for-july-25-2025-ttt-study-club-tickets-1205497959849Main Takeaways:Your goal is to collect 100% or more.If you're not collecting 100%, understand why.Make sure your team is aligned with your expectations.97% is great on a chemistry exam. It's not great for net collections.Pre-collect from patients....

What Percentage of Americans Like Democrats These Days? (Hour 1) full 1383 Mon, 17 Mar 2025 15:09:00 +0000 pkVG86h0pl1IVyWdV4VNp92nrXZIXRBu news Richmond's Morning News news What Percentage of Americans Like Democrats These Days? (Hour 1) On Richmond's Morning News our team discusses the top stories of the day from around the world, nationally, in Virginia, and right here in the Richmond area.  Listen to news you can use, newsmakers, and analysis of what's happening every weekday from 5:30 to 10:00 AM on NewsRadio 1140 WRVA and 96.1 FM!   2024 © 2021 Audacy, Inc. News False https://player.amperwavepodc

Carl O'Brien, Education Correspondent with The Irish Times, reports that on the rise of children being diagnosed with autism.

Around one in twenty children are now being diagnosed with autism.That is a three times increase in the amount of diagnoses ten years ago.So, where has this increase come from?To discuss, Andrea is joined by Eleanor McSherry, former Head of Autism Studies in UCC, Chair of Involve Autism, Miriam Kenny and more.

You might think you know your write-off percentage. But do you, really? In this episode of Metric Mondays, Kirk Behrendt brings back Dr. Barrett Straub, ACT's CEO, to break down this important KPI. They explain what it is, how it affects your profitability, and countermeasures to start adding some percentage points back to your bottom line. For step-by-step guidance through this process, become a Premium member of ACT's BPA and listen to Episode 859 of The Best Practices Show!Learn More About Dr. Straub:Send Dr. Straub an email: barrett@actdental.com Join Dr. Straub on Facebook: https://www.facebook.com/barrett.d.straubSend Gina an email: gina@actdental.com Learn More About ACT Dental:ACT's webinars: https://www.actdental.com/134ACT's website: https://www.actdental.comACT's Instagram: https://www.instagram.com/actdentalACT's YouTube: https://www.youtube.com/actdentalACT's Facebook: https://www.facebook.com/actdentalACT's LinkedIn: https://www.linkedin.com/company/3137520/admin/feed/posts/ACT's Twitter: https://twitter.com/actdentalMore Helpful Links for a Better Practice & a Better Life:Subscribe to The Best Practices Show: https://the-best-practices-show.captivate.fm/listenJoin The Best Practices Association: https://www.actdental.com/bpaDownload ACT's BPA app on the Apple App Store: https://apps.apple.com/us/app/best-practices-association/id6738960360Download ACT's BPA app on the Google Play Store: https://play.google.com/store/apps/details?id=com.actdental.join&hl=en_USJoin ACT's To The Top Study Club: https://www.actdental.com/tttSee the ACT Dental/BPA Live Event Schedule: https://www.actdental.com/eventGet The Best Practices Magazine for free: https://www.actdental.com/magazinePlease leave us a review on the podcast: https://podcasts.apple.com/us/podcast/the-best-practices-show-with-kirk-behrendt/id1223838218Episode Resources:Register for ACT's To...

-- How can Heat Map Analytics reveal the most engaging areas within a Matterport tour? -- What insights can Tag Analytics provide about how visitors interact with Tags? -- How can these new analytics tools help Matterport Service Providers add more value for your clients? Stay tuned ... Join us on WGAN-TV Live at 5 at 5 pm ET on Thursday, 27 February 2025 for: ✔ WGAN-TV: Introduction to Matterport + CAPTUR3D Heat Map Analytics and Tag Analytics Our guest: ✔ CAPTUR3D Product Owner Alex Hitchcock (for PHORIA) | @AlexHitchcock In this WGAN-TV Live at 5 show, we'll explore the CAPTUR3D latest analytics updates, including Heat Maps Analytics and Tags Analytics, which provide powerful insights into user interactions within a Matterport digital twins. What You'll Learn NEW: Heat Map Analytics – Identify how visitors engage with each scan point and room in Matterport tours: ✔ Most-viewed rooms and scan points ✔ Time spent per room and scan ✔ Average scans/visits per session ✔ Percentage-based comparisons across rooms NEW: Tags Analytics – Gain insights into how users interact with Tags: ✔ Clicks and hovers on tags ✔ Content engagement tracking ✔ CSV data export for analysis & reporting Bonus: CSV Exports ✔ Easily download a detailed report of engagement metrics for in-depth analysis and team collaboration. Why This Matters For Matterport Service Providers, real estate professionals, and digital twin creators, the CAPTUR3D analytics tools provide data-driven insights to: ✔ Optimize tour layouts by understanding visitor engagement patterns ✔ Improve tag effectiveness by tracking content clicks and hovers ✔ Deliver more value to clients with quantifiable engagement reports Questions I'll Ask Alex ✔ How do Heat Maps Analytics enhance the way we analyze Matterport tour engagement? ✔ What trends have emerged from early CAPTUR3D Analytics data? ✔ How do Tags Analytics help businesses optimize their Mattertags & interactions? ✔ What industries benefit most from these advanced analytics tools? ✔ What's next for CAPTUR3D AI-driven insights and Matterport integrations? Exclusive Offer for WGAN Members Get $90 in free CAPTUR3D credits for high-quality floor plans & photo retouching via this special WGAN link! Must be used within first 30 days. Other questions that I should ask Alex during WGAN-TV Live at 5? Best, Dan About CAPTUR3D is an all-in-one 3D Virtual Tour Software & Management Platform. This powerful CMS enhances your Matterport Virtual Tours and streamlines your workflow. Get everything from Floor Plans to Virtual Staging and easily create eye-catching content for residential, commercial and cultural spaces. ✔ CAPTUR3D Website ✔ Matterport website

Jason went to see Justin Timberlake last night and was frustrated by how many songs were from a newer album nobody cared about. What percentage of a concert should be "the hits"? (Photo by Manny Carabel/Getty Images for Audacy)

Alamin ang Top 10 bansang may pinakamalaking porsyento ng populasyon na Katoliko sa buong mundo!

Huge thanks to Bailey Wynne of "Sky Blue Times" and "93:20 Podcast" for coming back on to discuss all things Manchester City with CrunkChocolate. Was recorded 2/17/25. If you enjoyed the first 15 minutes of this episode, please subscribe to our $6 Tier of Patreon where you get episodes like this and plenty more. 20+ hours of media every month with a library of content for you to enjoy. Subscribe here: patreon.com/user?u=94168109TOPICS:- Introduction- How did you fall in love with soccer/football?- What is something that is over/under rated about soccer/football (rule, chant, player, etc)- Percentage chance that Manchester City beats Real Madrid at the Bernabeu?- Omar Marmoush had his first hat trick of his career. Shows that he could be the backup for Haaland if needed. Do you think City play a false 9 if Haaland needs rest or would you prefer City bring in a true striker?- Nico Gonzalez showed against Newcastle the importance of having a true holding midfielder. Is Nico a Rodri regen or does he have a playing style that is his own? - Staying on Nico. Can he thrive being Rodri's backup, could he play next to Rodri, or will he leave for greener pastures like Alvarez when he realizes all he will be is Rodri's backup?- We all know there could/should be big roster turnover in the summer. Who are the players you would like to see moved in the Summer transfer window?

How do you scale support for smallholder farmers, in hard to reach locations, harvesting a slow maturing crop? Social Impact Pioneer Christina Mawuse Gyisun, Co-Founder of Sommalife, joins us to talk about the shea industry in West Africa and how she and her team are increasing market access, and securing the future of an industry, by better supporting female smallholder farmers. Though women shea nut farmers provide a crucial raw ingredient to the $430 billion beauty industry, many live in extreme poverty, struggle with limited access to markets, and face the devastating impacts of climate change. Sommalifeis changing the game with a bespoke tech platform that digitizes operations, connects farmers to buyers, and empowers them as environmental stewards. The Problem: Systemic Exclusion & Environmental Threats In West Africa, 60 million women smallholder farmers depend on raw commodities like shea nuts for survival. Yet, these farmers are often left out of formal markets, limited to selling their crop for low prices. Meanwhile, the shea tree—a lifeline for many communities—is at risk due to deforestation and vulnerable to climate change. In Ghana alone, 90% of charcoal production comes from shea trees, threatening both economic livelihoods and biodiversity. The Solution: Technology, Traceability & Market Access Sommalife has developed a bespoke digital platform to connect farmers directly to international buyers, ensuring fair prices and financial stability. Since 2020, the enterprise has: ✅ Digitised operations for 110,000 farmers ✅ Increased income by 23% for 40,000 women ✅ Protected 1,500+ acres of shea trees By leveraging AI and traceability technology, Sommalife enables ethical sourcing, ensuring that farmers benefit from global sustainability initiatives. This innovation aligns with the EU's Corporate Sustainability Due Diligence Directive (CS3D), which mandates supply chain transparency. Call to Action: Investing in Social Impact To scale this success, funding, collaboration, and corporate partnerships are crucial. Companies and investors looking to create real change can support ethical sourcing initiatives that protect the environment while improving livelihoods. As a Schwab Foundation Social Entrepreneur of 2025, Mawuse is proving that sustainable business can be profitable and impactful. Will your organisation be part of this movement? Links FAO: West African agriculture and climate change (includes Percentage of West Africans who depend on agriculture): https://www.fao.org/family-farming/detail/en/c/413652/#:~:text=Agriculture%20is%20vital%20to%20livelihoods,gross%20domestic%20product%20(GDP). USAID: Sustainable Shea Butter Initiative, Fact Sheet (16 million shea producer network): https://www.usaid.gov/west-africa-regional/fact-sheet/sustainable-shea-initiative#:~:text=Demand%20for%20shea%20produced%20in,collecting%20and%20processing%20shea%20kernels. Karibon: Shea butter as cocoa butter equivalent: https://delivery.bunge.com/-/media/Files/00-Confectionery-Brochures/11-Coberine-Shea/Folder_Karibon.ashx Sommalife: https://sommalife.com/ Sommalife Instagram: https://www.instagram.com/sommalife/ Sommalife Linked In: https://www.linkedin.com/company/sommalife/?viewAsMember=true Sommalike Medium: https://sommalife.medium.com/ Mawuse's Linked In: https://www.linkedin.com/in/mawuse-christina-gyisun-772758123/ Mawuse's Instagram: https://www.instagram.com/mawusegyisun/ Schwab Foundation Awards 2025: https://www.weforum.org/press/2025/01/schwab-foundation-awards-2025-new-social-entrepreneurs-and-innovators-of-the-year-announced/ & https://www.schwabfound.org/2025-awardees

Are you looking to submit an offer in compromise, but don't know your chances? Here is what percentage the IRS has accepted in the past.Do you have tax debt? Call us at 866-8000-TAX or fill out the form at https://choicetaxrelief.com/

Today on the Woody and Wilcox Show: Fun With Football Audio; Percentage of people who say they are watching the Super Bowl; Build-A-Bear's cougar commercial; Backlash from Starbucks writing phrases on cups; People not washing their hands and communal foods; Ariana Grande receives call from gynecologist after Oscar nomination; LG oven recall; And more!

We have some deep nerd stuff for you right now. Percentage of snaps by highest-used player at each position: B1G 2024. Parker Flemming. @statsowar

TOP 3: Thursday Snow Closures, New Survey Reveals the Shocking Percentage of People Seen Leaving Public Restrooms Without Washing Their Hands, and Duchess Meghan Recuits Billie Eilish to Surprise Victim of LA Fires full 281 Thu, 06 Feb 2025 15:59:02 +0000 wY46Fj6yK49KmuaSmvhWjfUNx2jAuRRC music,society & culture,news Kramer & Jess On Demand Podcast music,society & culture,news TOP 3: Thursday Snow Closures, New Survey Reveals the Shocking Percentage of People Seen Leaving Public Restrooms Without Washing Their Hands, and Duchess Meghan Recuits Billie Eilish to Surprise Victim of LA Fires Highlights from the Kramer & Jess Show. 2024 © 2021 Audacy, Inc. Music So

On the heels of yesterday's conversation about who deserved the most credit for the Patriots' dynastic levels of success, Ted Johnson presents his updated credit "percentage pie" to Hart and Fitzy, and names others who deserve more credit for shaping the dynasty. Plus, ESPN Senior NFL insider Adam Schefter joins the guys to discuss the role that technology will play in assisting referees moving forward, the future of the "Tush Push" in the league, his take on Brady vs. Belichick and much more.

On the heels of yesterday's conversation about who deserved the most credit for the Patriots' dynastic levels of success, Ted Johnson presents his updated credit "percentage pie" to Hart and Fitzy.

Every month we put together an income report to share a behind-the-scenes look at the ups and downs of running a 7-figure business. In full transparency, it's not easy – but it IS possible. Through hearing about our mistakes, lessons learned, and our wins, we hope to inspire and motivate you to take action in your business with just one step forward every single day. For our full income report, visit EOFire.com/income136, and IGNITE! December 2024 Income At-A-Glance Gross Income for December: $131,587 Total Expenses for December: $12,156 Total Net Profit for December: $119,431 Difference b/t December and November: +$35,348 Percentage of net profit to overall gross revenue: 91 percent Sponsors HubSpot When you combine the power of Marketing Hub and Content Hub, you can have your best quarter, every quarter. Visit Hubspot.com/marketers to learn more Airbnb If you've got an extended trip coming up and need a little help hosting while you're away, just hire a co-host to do the work for you. Find a co-host at Airbnb.com/host Optimize To chat with JLD about Optimizing your life, click here EOFire.com/optimize

Every month we put together an income report to share a behind-the-scenes look at the ups and downs of running a 7-figure business. In full transparency, it's not easy – but it IS possible. Through hearing about our mistakes, lessons learned, and our wins, we hope to inspire and motivate you to take action in your business with just one step forward every single day. For our full income report, visit EOFire.com/income136, and IGNITE! December 2024 Income At-A-Glance Gross Income for December: $131,587 Total Expenses for December: $12,156 Total Net Profit for December: $119,431 Difference b/t December and November: +$35,348 Percentage of net profit to overall gross revenue: 91 percent Sponsors HubSpot When you combine the power of Marketing Hub and Content Hub, you can have your best quarter, every quarter. Visit Hubspot.com/marketers to learn more Airbnb If you've got an extended trip coming up and need a little help hosting while you're away, just hire a co-host to do the work for you. Find a co-host at Airbnb.com/host Optimize To chat with JLD about Optimizing your life, click here EOFire.com/optimize

I read from fielding percentage to fieldwork.     Typically "field of view" is used for "external apparatus" but if you're talking about the eyeballs (retinas), then the average human has about a 210 degree field of view. I'm sure that lessens for many humans as they get older. I think mine is a bit less.  https://en.wikipedia.org/wiki/Field_of_view     The word of the episode is "field trip".     Use my special link https://zen.ai/thedictionary to save 30% off your first month of any Zencastr paid plan.    Create your podcast today! #madeonzencastr     Theme music from Jonah Kraut https://jonahkraut.bandcamp.com/     Merchandising! https://www.teepublic.com/user/spejampar     "The Dictionary - Letter A" on YouTube   "The Dictionary - Letter B" on YouTube   "The Dictionary - Letter C" on YouTube   "The Dictionary - Letter D" on YouTube   "The Dictionary - Letter E" on YouTube   "The Dictionary - Letter F" on YouTube     Featured in a Top 10 Dictionary Podcasts list! https://blog.feedspot.com/dictionary_podcasts/     Backwards Talking on YouTube: https://www.youtube.com/playlist?list=PLmIujMwEDbgZUexyR90jaTEEVmAYcCzuq     https://linktr.ee/spejampar dictionarypod@gmail.com https://www.facebook.com/thedictionarypod/ https://www.threads.net/@dictionarypod https://twitter.com/dictionarypod https://www.instagram.com/dictionarypod/ https://www.patreon.com/spejampar https://www.tiktok.com/@spejampar 917-727-5757

Every month we put together an income report to share a behind-the-scenes look at the ups and downs of running a 7-figure business. In full transparency, it's not easy – but it IS possible. Through hearing about our mistakes, lessons learned, and our wins, we hope to inspire and motivate you to take action in your business with just one step forward every single day. For our full income report, visit EOFire.com/income135, and IGNITE! November 2024 Income At-A-Glance Gross Income for November: $96,482 Total Expenses for November: $12,399 Total Net Profit for November: $84,083 Difference b/t November & October: -$45,520 Percentage of net profit to overall gross revenue: 87 percent Sponsors HubSpot Breeze is HubSpot's collection of AI tools that helps you turn one piece of content into a whole suite of assets. Visit HubSpot.com/marketers to learn more LastPass The most accessible and easy-to-use password manager on the planet! Visit LastPass.com/fire for a free trial and get started today Author100 A 100-day program where I will personally guide you 1-on-1 to create, write, publish and market your book! If you want daily guidance and mentorship from me, JLD, then head over to Author100.com to sign up for a free call to chat about the details

In this episode of the Personal Finance Podcast Money Q&A, we're going to talk about what percentage of your net worth should be in stocks, what to do with an old 401k, books for buying businesses and so much more.  Today we are going to answer these questions!  Question 1: Should I pay off my 7.72% Car Loan? Question 2: What to do with my Old 401(K)?  Question 3: What taxes are associated with international index funds?  Question 4: Books For Buying a Business  Question 5: Stock Lending and Investment Services  Question 6: Back Door Roth & % of Net worth in stocks?  How Andrew Can Help You:  Don't let another year pass by without making significant strides toward your dreams. "Master Your Money Goals" is your pathway to a future where your aspirations are not just wishes but realities. Enroll now and make this year count! Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! Learn to invest by joining  Index Fund Pro! This is Andrew's course teaching you how to invest!  Watch The Master Money Youtube Channel! , Ask Andrew a question on Instagram or TikTok.  Learn how to get out of Debt by joining our Free Course  Leave Feedback or Episode Requests here.  Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast. Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at  shopify.com/pfp Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn't affect your credit score. Get started at chime.com/ Monarch Money: Get an extended 30 day free trial at monarchmoney.com/pfp Thanks to Fundrise for Sponsoring the show! Invest in real estate going to fundrise.com/pfp Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Thanks to Policy Genius for Sponsoring the show! Go to policygenius.com to get your free life insurance quote. Right now, my listeners can get a free 2-week trial at 1password.com/PERSONALFINANCE to help secure their growing business. The Rundown by Public.com—your daily financial news podcast. Listen now: The Rundown Podcast Go to joindeleteme.com/pfp20 for 20% off!  Links Mentioned in This Episode:  How to Get Rich Buying Boring Businesses With Codie Sanchez Cody Sanchez's Book  A Masterclass on Investing in Individual Stocks with Brian Feroldi Connect With Andrew on Social Media:  Instagram  TikTok Twitter  Master Money Website  Master Money Youtube Channel   Free Guides:   The Stairway to Wealth: The Order of Operations for your Money  How to Negotiate Your Salary  The 75 Day Money Challenge  Get out Of Debt Fast  Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices

Every month we put together an income report to share a behind-the-scenes look at the ups and downs of running a 7-figure business. In full transparency, it's not easy – but it IS possible. Through hearing about our mistakes, lessons learned, and our wins, we hope to inspire and motivate you to take action in your business with just one step forward every single day. For our full income report, visit EOFire.com/income134, and IGNITE! October 2024 Income At-A-Glance Gross Income for August: $140,470 Total Expenses for August: $10,867 Total Net Profit for August: $129,603 Difference b/t August and July: +$30,918 Percentage of net profit to overall gross revenue: 92 percent Sponsors HubSpot Making your life easier. Getting you results faster. And better connecting you to all your data, all in one place. Start making major moves with HubSpot. Visit HubSpot.com/marketers to learn more FranBridge Many EOFire listeners have launched franchises in a variety of industries outside of food – and FranBridge Consulting has guided them to these premier opportunities! Sign up for a free consultation with Jon - or get a free copy of his book, Non-Food Franchising - at FranBridgeConsulting.com

Every month we put together an income report to share a behind-the-scenes look at the ups and downs of running a 7-figure business. In full transparency, it's not easy – but it IS possible. Through hearing about our mistakes, lessons learned, and our wins, we hope to inspire and motivate you to take action in your business with just one step forward every single day. For our full income report, visit EOFire.com/income133, and IGNITE! September 2024 Income At-A-Glance Gross Income for August: $110,362 Total Expenses for August: $11,677 Total Net Profit for August: $98,685 Difference b/t August & July: -$35,373 Percentage of net profit to overall gross revenue: 89 percent Sponsor HubSpot: Get ready for growth, without the growing pains. Visit HubSpot.com/spotlight to see the dozens of major product updates that'll make impossible growth feel impossibly easy