Podcasts about super saver

You’ve got your deposit sorted, your plans lined up, and you’re finally ready to buy your first home, and then boom… one small misstep knocks you out of the running for a scheme that could’ve saved you tens of thousands. That’s what happened to these two first home buyers who were doing all the right things. They were organised, informed, and using the First Home Super Saver scheme to boost their deposit, they had their sights set on the First Home Guarantee to avoid lender’s mortgage insurance. But what they didn’t realise was that the timing of withdrawing those funds would impact their income assessment… and cost them their eligibility. In this episode, we break down exactly where things went wrong and why two government schemes designed to help buyers don’t always work well together. It’s a real-life example that highlights just how tricky this space can be, and how easy it is to fall into a trap when you don’t have the right people guiding you. If you’re planning to use any kind of grant or incentive to buy property, this is one you don’t want to miss. The right move at the wrong time can undo everything, but with the right advice, it doesn’t have to. Episode Highlights: 00:00 - Introduction 03:14 - Sam and Joe’s story: What went wrong 04:37 - Three key takeaways for first home buyers 06:31 - What happened because they withdrew their Super Saver funds a little too early 08:39 - A quick refresher on how the super saver scheme and the first home guarantee works 11:02 - Why these two schemes weren’t designed to work together 14:20 - Solutions if you’d like to use the super saver scheme and first home guarantee Resources: FREE MINI COURSE: How to price property like a professional https://www.homebuyeracademy.com.au/freecourse Meet our recommended mortgage brokers at Home Buyer Academy https://homebuyeracademy.com.au/brokers Visit our website https://www.homebuyeracademy.com.au/ Join our Facebook Group to get access to free monthly live Q&A sessions https://www.facebook.com/groups/yourfirsthomebuyerguideaustralia Learn how to buy property without making a mistake with our ultimate 10-step online course for first time home buyers https://homebuyeracademy.com.au/YFHBG If you have any questions or would like to be featured on our show, contact us at: Your First Home Buyer Guide Podcast - support@homebuyeracademy.com.au Looking for a Sydney Buyers Agent? https://www.gooddeeds.com.au Work with Veronica: https://www.veronicamorgan.com.au Looking for a Brisbane Buyers Agent? https://www.propertypursuit.com.au/ Work with Meighan: https://www.linkedin.com/in/meighanwells/ If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey! Subscribe on YouTube: https://www.youtube.com/@YourFirstHomeBuyerGuidePodcast Subscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825 Subscribe on Spotify: https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f See omnystudio.com/listener for privacy information.

Healthier you with probiotics and Omega 3's. Learning All About Amino Acids, and AntioxidantsJerry Hickey discusses probiotics and the health benefits of Omega 3'sDr. Amanda Williams highlights Super Saver products. How to get the most out of key nutrients

Another Conversation About Kindness Guests: January Liddell, Amanda Beth Johnson, Amy Olmedo, Mark Heidt, Dr. Teresa Lynch, Will Pollock Bio's: January Liddell: January is a dynamic, positive Christian leader passionate about serving others. She resides in Oahu, Hawaii, with her husband and two children. A proud UC Berkeley alumna, January is also CEO of Anchored Financial LLC. She educates clients on elite financial strategies, bringing keen awareness to their portfolios. Set up a complimentary consultation at https://bit.ly/meetwithjanuary  January also maintains an active, health-centric lifestyle and continuously adapts to industry demands. She believes in teaching financial literacy to today's youth. She created the “Honey Maker Book Series” with Alina, the Super Saver, where kids learn about money concepts. Learn more at: www.januaryliddell.com Amanda Beth Johnson: Amanda is an intuitive energy healer, and best-selling author committed to helping individuals embrace transformation and self-discovery. Based in Southeast Iowa, she uses ThetaHealing to guide clients in releasing limiting beliefs, fostering personal growth, and serving clients globally. Her journey inspired her to write *Blooming into Life*, sharing insights on overcoming challenges and finding authentic empowerment. With a unique blend of healing services and passions for classic cars, gardening, and crochet, Amanda brings a multifaceted approach to holistic well-being. Join her in exploring the path to fulfillment and transformation in all aspects of life. Amy Olmedo: Amy is on a mission from God. Her first goal is to publish White Heron: A Creation Story, a blend of spirituality, mythology, and life lessons that inspire triumph over tragedy. Explore her journey by purchasing the book, visiting her website, and joining her community at https://www.whiteheron.us/  Amy's second goal is to create a retreat where nature becomes a sanctuary for healing and self-discovery. Amidst mystical woodland trails and a honey bee farm, guests can rest, reconcile the past, and recreate their future, embracing the transformative power of nature and inner wisdom. Mark Heidt: Mark is an award-winning writer/director/producer of $30 Million in half-hour infomercials. He has a BS from Syracuse University and the State University of NY College of Environmental Science and Forestry. He performed music at Carnegie Hall and fought forest fires in Idaho. Mark is the husband of Sandy, the father of Ken and Ruth, and the grandfather of Graeme. He has a unique perspective on the influences that enlighten, empower, and motivate people to take effective action. His faith is above all. Dr. Teresa Lynch: As a dedicated health professional, Dr. Teresa Lynch helps others thrive naturally, guiding clients toward their fullest potential in unique and meaningful ways. At every step of the journey, she provides support, encouragement, and tools for transformation. It's not about her but about her clients' victories. Together, they focus on nurturing the body, mind, and spirit for lasting wellness. Whether it's gaining energy, finding balance, or achieving natural health goals, her clients' success is her mission. Every win brings each client closer to a healthier, happier life. https://terrylynchcoaching.com/   Will Pollock: Will is a freelance multimedia journalist, researcher, and author in Atlanta. He's a contributor to TrumpFile.org and founder of CrankyYank.com, an online news magazine. A native of New York City, now domesticated in the South, Will is a proud dad to Cameron and Jackson, a Rat Terrier puppy. He's a lifelong tennis player and fan of The New York Yankees, despite the scourge of Alex Rodriguez. Will's fundraising effort, ARTvision Atlanta, and book Pizza for Good have raised over $100,000 for various charities. Video Version: https://youtu.be/Guehvte__ic?si=vViClqQvVDypelZt Call in with a comment or Chat with Teresa during Live Show with Video Stream: Call 646-558-8656 ID: 8836953587 press #.  To Ask a Question press *9 to raise your hand. or write a question on YouTube during Show Learn more about Teresa here: https://www.webebookspublishing.com    http://authenticendeavorspublishing.com/

In this episode of You Have My Interest, we follow a client's journey and the steps taken to successfully purchase their first home through a related party transaction. We dive into the key considerations, including securing independent valuations, understanding lender rules for related party purchases, and navigating state stamp duty regulations. We also explore how the First Home Super Saver Scheme helps boost savings, with tips on timing and using determination letters as proof of funds. Additionally, we highlight the client's strategic loan choice, focusing on flexibility and long-term financial goals. Whether you're a first-time buyer or looking for advice on related party purchases, this episode has valuable insights for you! Find out your next step in property finance: You Have My Interest is brought to you by Everlend, a mortgage and finance broking firm built for the purpose of educating and empowering you to make informed financial decisions tailored to your wealth goals. Find out more and book in your free initial consultation at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.everlend.com.au/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Get in touch: Find out more about You Have My Interest at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠everlend.com.au/podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and connect with us at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠podcast@everlend.com.au⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ You Have My Interest provides information and educational content relating to mortgages, finance and property. You Have My Interest's content is general in nature and does not take into account the individual financial, legal or tax needs or objectives of its audience members. It is not intended as a substitute for professional advice. Listeners should seek out a licensed professional to discuss their individual financial, legal and tax requirements. If you need mortgage or finance advice tailored to your own personal situation, contact ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Everlend⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ today for a free consultation. Everlend are authorised credit representatives of Loan Market Pty Ltd, Australian Credit Licence number 390222. Podcast produced with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Apiro.

In this debut episode of our new series, OTTB on Tap Evaluates, Niamh and Emily dive into the conformation and pedigree of listener-submitted Thoroughbreds. In Volume 1, we take a closer look at three Off-Track Thoroughbreds (OTTBs): Baybuilt, Floo Powder, and Dragon Moon.Using only conformation photos and their Jockey Club pedigrees, we analyze their physical structure, racing lineage, and discuss what their conformation could suggest about their future in equestrian disciplines. Along the way, we explore key bloodlines, including famous sires like Love of Money, Exchange Rate, and Super Saver, connecting these pedigrees to each horse's conformation and temperament.This educational and entertaining episode is perfect for anyone interested in Thoroughbred conformation analysis, learning about bloodline impact on horse suitability, or evaluating OTTBs for their next discipline. Whether you're a new OTTB owner or a seasoned OTTB trainer, this clinic-style episode offers insights that can help guide your assessment process.Tune in to discover:Pedigree breakdowns of Baybuilt, Floo Powder, and Dragon MoonHow Thoroughbred conformation influences suitability for different equestrian disciplinesFun insights into Thoroughbred racing lineage and influential siresEmily and Niamh agree and disagree on a lot of the above!Be sure to visit our website www.ottbontap.com for additional resources, including detailed conformation photos and pedigrees for each OTTB featured. Don't forget to sign up for our newsletter to stay updated on future episodes in the OTTB on Tap Evaluates series!Reference material & links:Mitchell, Eric. “The Legacy of Not for Love.” BloodHorse.com, 1 June 2016, www.bloodhorse.com/horse-racing/articles/212102/the-legacy-of-not-for-love.“Not For Love (Horse).” American Classic Pedigrees, www.americanclassicpedigrees.com/not-for-love.html.This has interviews with people who have Not For Love progeny: https://equiery.com/not-for-love-marylands-leading-thoroughbred-sire-retires/“Danzig (Horse).” American Classic Pedigrees, www.americanclassicpedigrees.com/danzig.html.Tdn. “Exchange Rate Euthanized.” TDN | Thoroughbred Daily News | Horse Racing News, Results and Video | Thoroughbred Breeding and Auctions, 11 Jan. 2016, www.thoroughbreddailynews.com/exchange-rate-euthanized.“Storm Cat (Horse).” American Classic Pedigrees, www.americanclassicpedigrees.com/storm-cat.html.“Yes It's True (Horse).” American Classic Pedigrees, www.americanclassicpedigrees.com/yes-its-true.html.

"Of course we can! As long as we have a plan!" How many times has your child asked, "Can I do this? Can I go here? Can you buy this for me?" Alina's mom, Queen Bumble, knows the importance of a plan. Join Alina, the Super Saver, and other bees as she learns the value of saving.

Pages of Wonder~ A Magical Journey with Seven Children's Authors The show will feature January Liddell, Catherine Stillwell, Gin Yu, Katerina Pappas, Charles Davis, Morgan Kawakami and Christine Morkert. They will each be discussing their books. Below are their bios and information on their books. January Liddell - A proud UC Berkeley alumna, January balances her roles as a devoted wife, mother, author, and finance professional while maintaining an active, health-centric lifestyle. She continuously adapts to industry demands, investing in personal growth and inspiring those around her. January's mission permeates every aspect of her life, making her an invaluable asset to her agency and clients. Alina the Super Saver https://amzn.to/3Al5Wy Catherine Stillwell - Catherine Stillwell has been a pet owner and advocate for over five decades. “Paulie Finds His Forever Home” is a true story based on Beloved Paulie's adoption. On 7/8/24, she adopted a two-year-old terrier mix named Brutus. More info on the book is on her website, www.senior-dogs-rock.com. Paulie Finds His Forever Home https://amzn.to/4fJxoX2 Gin Yu - Gin Yu was Born in Taiwan, raised in Brazil and currently lives in Los Angeles. Her Journey defines her diverse identity. With a passion for telling stories, Gin balances economic acumen and creative passion as a TV and Film Producer and Author. Why Am I Here? https://amzn.to/46KgQde Katerina Pappas - Katerina Pappas (LadyMoon) was born in Philadelphia and raised in Greece. Her journey in public service started at the David A Clarke School of Law, followed by the Institute for Integrative Nutrition and Yog Farm Ithaca. After many years of collecting life experiences, she is infusing all she has learned into her first true love, creative writing, and singing. Flow, Beena, Flow https://amzn.to/3YGo67Q Charles Davis - Charles Davis is a U.S. Army veteran, advocates for veterans and children's welfare. He holds a degree from Keystone College and currently works with Veterans Affairs. In 2023, he launched "The Adventures of Leo the Border Collie From PA," a children's book series promoting morals, adventure, fun, and safety. The Adventures of Leo the Border Collie From PA (Not including a link to the book we are working on - It will be released on 8/31) Morgan Kawakami - Morgan Kawakami is wife to Stephen and mother to 4 incredible children- Willow, Milo,Rio and Margo. She has a BA in English Education from Lee University and feels called to help others through her writing. She has launched several endeavors to minister to teenage girls and young mothers, and now, with "I Have Something Extra," families who have kiddos with Down Syndrome. She and her family live in Southeast Tennessee. - I Have Something Extra  https://amzn.to/46L03Xx Video Version: https://www.youtube.com/live/-oQk9_N_4C0?si=FewAs89rfOXdCXtF Call in with a comment or Chat with Teresa during Live Show with Video Stream: Call 646-558-8656 ID: 8836953587 press #.  To Ask a Question press *9 to raise your hand. or write a question on YouTube during Show Learn more about Teresa here: https://www.webebookspublishing.com    http://authenticendeavorspublishing.com/

In case you've missed it, the First Home Super Saver (FHSS) scheme is an initiative that does what the name suggests. With the FHSS, you can save for your first home deposit within your superannuation. By doing so, you can aim to benefit from certain advantages that don't apply to shares or savings accounts.Like so much in super, the details surrounding the FHSS can feel a bit muddled. That's why Tash and Ana have devoted this session to discussing the FHSS, how it works, and how it can help you save for a home. Give them an episode, and they'll give you a primer in the First Home Super Saver scheme!@tashinvests@anakresina@getrichslowclub@pearlerhqGet Rich Slow ClubPearlerYouTubeDisclaimerAny advice is general and does not consider your financial situation needs, or objectives, so consider whether it's appropriate for you. You should also consider seeking professional advice before making any financial decision.Natasha Etschmann is an Authorised Representative #1299881 of Guideway Financial Services Pty Ltd AFSL#420367. Read the FSG available from https://tashinvests.com/linksPearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guideIf you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer's website before deciding. Hosted on Acast. See acast.com/privacy for more information.

This podcast will recap the First Home Super Saver rules, explain the rules, touch on some recent changes and review when this may be beneficial for clients. Disclaimer: The podcasts are for adviser use only. They must not be made available to any person and any information in them must not be communicated to any person without the prior written consent of BT, part of the Westpac Banking Corporation. The views expressed in this webinar are those of the presenters alone unless otherwise quote, and do not reflect the views of policy of any company in the Westpac Group. The Westpac Group accepts no responsibility for the accuracy or completeness of, nor does it endorse any such opinions. To the maximum extent permitted by law, we intend by this notice to exclude liability for these opinions. The information in this podcast is provided solely as general information and it should not be considered a comprehensive statement on any matter or relied upon as such. The information provided is factual only and does not constitute financial product advice. Before acting on it, you should seek independent advice about its appropriateness to your or your clients objectives, financial situation and needs. Any projections in this webinar are predictive in character. Whilst we have used every effort to ensure that any assumptions on which any projections are based are reasonable, any projections may be affected by inaccurate assumptions or may not take into account known or unknown risks and uncertainties. The results actually achieved may differ materially from any projections herein. Past performance is not a reliable indicator of future performance. The podcast recordings are being shared with the prior written consent of our participants.

In this episode of the Retire with Integrity podcast, Brian Bowen and Brett Sharp discuss the role of finance in retirement confidence. They share a story about a prospective client who was confident in his investment portfolio but had not considered tax planning or other strategies. They emphasize the importance of financial planning beyond just investing, including tax planning, estate planning, and building wealth through various avenues. They also discuss the difference between investing and saving, and the need for super savers to be more open to taking risks. The episode concludes with a discussion on different investment scenarios based on the timeline of needing the money.   01:28  The Core of Financial Planning 05:18  Investing vs. Saving 10:01  The Impact of Competition in Finance 14:10  Taking Risks as a Super Saver

Some early handicapping tips for Kentucky Derby 2024, an insider's look at one of the contenders in the race and some handicapping for this weekend's Preakness 2024 qualifiers are front and center on this week's Ron Flatter Racing Pod. National Horseplayers Championship winner Mike Gillum checks in from Indianapolis with his five horses whom he counts among the most likely winners of the Derby. Here is a hint. Two of them are not obvious choices. In other words, long shots. Trainer Whit Beckman talks about Honor Marie, his first Derby horse in his name. He also remembers when he was an assistant on the teams that Todd Pletcher and Chad Brown led to past Derby accomplishments as Super Saver's 2010 win and Good Magic's 2018 runner-up result. He also discusses who may ride Honor Marie on May 4 at Churchill Downs. Mark Midland is in the handicappers rotation to offer his tips on the Federico Tesio at Laurel Park, a Pick 3 that starts with the Bathhouse Row at Oaklawn and the Illinois Derby at Hawthorne. The three stakes are win-and-you're-ins for the Preakness. John Cherwa joins Ron to dissect the court ruling in favor of Churchill Downs Inc. in the Zedan Racing Stables' lawsuit that failed for now to get Arkansas Derby (G1) winner Muth and trainer Bob Baffert into next month's Kentucky Derby. The Ron Flatter Racing Pod via Horse Racing Nation is available via free subscription from Apple, Firefox, iHeart and Spotify as well as HorseRacingNation.com. This week's episode is sponsored by Xpressbet. For information on Sunday's Illinois Derby day handicapping contest, go to xpressbet.com/tournaments.

Roger and Elias discuss the habits of a super saver plus they have a discussion on why you should look for alternatives to the 80% rule when determining your retirement income needs.  Take control of your financial future: https://www.btwealthshow.com/start-planning Follow Us on Facebook.com/BTWealthShow  Subscribe to the Podcast https://linktr.ee/BehindTheWealth Hosted By: Roger Abel Guest Host: Elias Randel Produced By: Molly Nordlocken Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.  The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for  any individual. To determine which investments may be appropriate for  you, consult with your attorney, accountant, and financial or tax advisor prior to investing.   All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly.  Premier Investments of Iowa, Inc. and LPL Financial do not provide tax advice, please consult your tax professional.  Dollar cost averaging involves continuous investment in securities  regardless of fluctuation in price levels of such securities.  An investor should consider their ability to continue purchasing through fluctuating price levels. Such a plan does not assure profit and does not  protect against loss.  Economic forecasts set forth may not develop as predicted and there  can be no guarantee that strategies promoted will be successful.  There is no assurance that the techniques and strategies discussed are  suitable for all investors or will yield positive outcomes.  The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal. Consult your tax professional about eligibility to Roth and Traditional IRA  contributions. Contributions and earnings in a Roth IRA can be withdrawn  without paying taxes and penalties if the account owner is at least 59 ½  and has held their Roth IRA for at least five years. Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of the conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA. This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor. Prior to investing in a 529 Plan investors should consider whether the investor's or designated beneficiary's home state offers any state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in such state's qualified tuition program. Withdrawals used for qualified expenses are federally tax free. Tax treatment at the state level may vary. Please consult your tax advisor before investing.  Data Sources:  Morningstar Invesco Google

Are you a Super Saver? Clark discusses the key choices you can make in your life that will truly empower you to have control over your financial future. There are 2 big decisions that most enable super savers to live on less than what they make. Also today - by design, many websites employ tricks to manipulate your buying, subscription and privacy choices. Recognizing these “dark patterns” can keep you above the fray of getting played.  What Super Savers Know: Segment 1 Ask Clark: Segment 2 Seeing Dark Patterns Online: Segment 3 Ask Clark: Segment 4 Mentioned on the show Here are the top sacrifices made by 'super savers' The Millionaire Next Door How To Open a Roth IRA What Is a Fiduciary Financial Advisor and Do I Need One? How to Buy a Used Car in 7 Steps Why You Might Want To Dump Your Delta Credit Card Now Dark patterns: how online companies strive to keep your money and data when you try to leave — The Conversation 7 Things To Know About the Venmo Credit Card Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode 83 is all about How Alanna went from being a super saver to a super investor: Hear from Alana. Alanna G. is a Latina in talent acquisition living in Chicago. Tune into the episode to learn more about Alana's journey working with Luzy as her private client.   Luzy King is an award-winning Latina entrepreneur. She is a certified trauma-informed Financial & Business Coach, contributing author, Community Leader, and Founder of Say Hola Wealth. Luzy is on a mission to destigmatize the idea of wanting more money to help women build a legacy through stock market investing and entrepreneurship.    Start Your Wealth Building Journey today; apply to work with Luzy privately. Ready to add an additional income stream through coaching or consulting? Apply for Jefas & Wealth.    Connect with Luzy Say Hola Wealth Website Follow Luzy on Instagram, Tiktok @sayholawealth, and on Linkedin.

In this episode of The A to Z English Podcast, Jack explains the meaning of three idioms using the verb "live."Phrasal Verbs: Live in / Live for / Live down / Live it upTranscript:A to Z Tips 32.mp300:00:0000:13:2600:00:01발표자 1Welcome to the A-Z English podcast, where Jack and Social take you on a journey from learning the basics to mastering the nuances of the English language. Our podcast is designed for non-native speakers who are looking to improve their English skills in a fun and interactive way. Each episode covers a wide range of topics.00:00:23발표자 1From grammar and vocabulary to slang and culture to help you navigate the English speaking world with ease.00:00:36발표자 2Welcome to the Adas English podcast. My name is Jack and I am one of the hosts of the podcast, and today I'm doing a solo episode. I'm without social. However, we have an interesting lesson for you today. It is a continuation of.00:00:53발표자 2Our last two quick tip episodes where we are unpacking the meanings.00:01:01발표자 2Of phrasal verbs, which can be kind of confusing in English, phrasal verbs are where we use usually a verb and a preposition together, and it has a kind of new meaning to it. So there are quite a few in English, and it's good to be familiar with these, so that.00:01:23발표자 2You know when you hear people use them, you.00:01:26발표자 2Understand what they're saying, or if you want to express yourself in a way that.00:01:30발표자 2Is a little bit.00:01:31발표자 2More specific and you wanna articulate a point that is.00:01:37발표자 2It's clearer than this may be a good solution for you. So our first one is our first phrasal verb is to live in, to live in, and this one's pretty easy to live in, means to reside in the place, especially a permanent or long term resident.00:02:00발표자 2For example, they live in a small cottage by the beach.00:02:07발표자 2Yeah. And you know, where do you live? You know? And it's not just live, but like I live in.00:02:15발표자 2So you would probably want to add like if somebody says.00:02:21발표자 2You know.00:02:24발표자 2Where do you live? Do you live in a house or an apartment? You could say. Well, I live in an apartment in whatever city in New York City I live in an apartment in New York City.00:02:38발표자 2Pretty. Ohh, that's great. OK, where do you live? Well, I live in a studio apartment in Brooklyn. OK, interesting. Interesting. But notice how we're using the verb.00:02:56발표자 2Ohh sorry, we're using the proposition in after the verb live live in you know. Where do you live? I I live in Mexico.00:03:07발표자 2OK.00:03:09발표자 2Yeah, because in meaning in that country, in that apartment, in that neighborhood I live in, I live in Brooklyn. I live in Manhattan. I live in Mexico City. I live in Colorado. I live in Los Angeles.00:03:29발표자 2These are are very common expressions in so and so you should get used to using that together live in live in where do you live? I live in. I live in Stillwater. I live in White Bear Lake. I live in North Saint Paul.00:03:47발표자 2That's where I live.00:03:49발표자 2#2.00:03:55발표자 2They live in a small sorry I read this one already. Sorry #2 live 4 live 4.00:04:07발표자 2OK, this is to have a strong passion or desire for something. What do you live for? Like, what is your?00:04:18발표자 2Number one priority, who do you you know? Who do you live for? What do you live for? What is your?00:04:25발표자 2Obsession, you know, I'm. I'm trying to think of a an example.00:04:32발표자 2What's a good example of somebody that lives for something?00:04:37발표자 2I'm trying to.00:04:38발표자 2Think of some like sports athletes and.00:04:45발표자 2Well, let's just for the lack of of a better example here. Let's talk about messy, OK?00:04:54발표자 2What does messian live for?00:04:56발표자 2If you had to choose one thing, what?00:04:58발표자 2Does he live for?00:05:00발표자 2He lives for football.00:05:02발표자 2OK, it consumes 90% of his life.00:05:09발표자 2You know, he sees his family sometimes, but really he lives for football, lives for football. And here's an example.00:05:21발표자 2To have a strong passion or desire for something.00:05:27발표자 2Example. She lives for adventure and is always seeking new experiences, so maybe for her every time there's a holiday from school or from work, she jumps on a plane and she travels somewhere because what is her passion? What does she live?00:05:47발표자 2Or she lives for traveling.00:05:51발표자 2She lives for adventure.00:05:55발표자 2OK, So what do you live for? What do you live for?00:05:59발표자 2Gotta think of what I live for these days. I live for podcasting. I mean, that's the reality. I every minute of my day that I have any extra time. I'm in my office, I'm editing podcasts. I'm recording podcasts.00:06:17발표자 2I live for podcasts. Yeah, this is true. This is true.00:06:23발표자 2Uh. All right, let's do #9 live down, live down LIVEDOWN.00:06:35발표자 2Live down means to overcome or recover from an embarrassing or shameful situation.00:06:45발표자 2Example, it took him 10 years to live down the embarrassment of that awkward speech, so maybe he gave a speech.00:06:57발표자 2And he forgot all the words.00:07:00발표자 2So he was just doing a speech. Hello. My. My name is Jack. And today I'm going to talk.00:07:11발표자 2Talk about.00:07:13발표자 2Talk about. I can't remember what I was gonna talk about. Yeah, that's an unmitigated disaster, right? If you forget everything that you're going to talk about, that it's going to take you a while to live down the shame.00:07:34발표자 2The embarrassment and you know, as we say in English, time heals all wounds, right? So 10 years later, no one is gonna care about his bad speech. But maybe for the first six months.00:07:51발표자 2His colleagues might make fun of him and.00:07:54발표자 2Make a joke, you know.00:07:57발표자 2It's possible it's possible.00:08:01발표자 2And so.00:08:03발표자 2To live down something is to overcome or recover from an embarrassing or shameful situation. Example it took him years to live down the embarrassment.00:08:18발표자 2Of that awkward speech. So the first two years, every time he thought about that speech, he blushed. You know, his face turned red and he was embarrassed. But after 10 years, you just kind of go ohh, whatever. Who cares?00:08:38발표자 2You know, it doesn't matter. It doesn't matter.00:08:42발표자 2It's not that important, but when things are fresh in our minds, we definitely like to think about it a lot and obsess about it and feel bad about it. But don't.00:08:58발표자 2Nobody cares, right? People will forget it immediately and you don't need to. No one will think about it more than you think about it.00:09:09발표자 2OK, think about that.00:09:11발표자 2No one will think about your bad speech more.00:09:16발표자 2Then you think about it yourself. OK, so if you can take that power away from it and forgive yourself, you'll be much happier. #10 live up to live up to it means to enjoy life to the fullest.00:09:37발표자 2Often by indulging in enjoyable activities or experiences.00:09:43발표자 2Have you ever met a couple that want to live it up?00:09:48발표자 2You know, they go skydiving and parachuting and parasailing and surfing and traveling and.00:09:56발표자 2They're just all over the world living it up, just having a great time together to live it up.00:10:07발표자 2Are you a livid up kind of person, or are you a Super Saver? Do you want to save up with your husband and wife and buy a house? No vacations, maybe have some children? What is your?00:10:25발표자 2Objective for when you have some money, when you have some money, when you're earning some money, what do you want to do with your money?00:10:36발표자 2And remember that the meaning of phrasal verbs can sometimes be idiomatic and context dependent, so it's important to consider the context in which they are used to fully understand their intended meanings. So.00:10:55발표자 2You know, again, these are not like 100%.00:10:58발표자 2Went black and white. Some of them are idiomatic expressions and they might be used a little differently. Pay attention when you're talking to native speakers so that you can also use these in a more colloquial X extemporal.00:11:19발표자 2My brain is, yeah.00:11:24발표자 2I don't know if that's the right word. Improvisational. I don't know. Manner so that you can actually use these. You know, these are very common in in American culture. So I think these are good to learn. And with that said.00:11:44발표자 2I will stop today's today's episode. I just want you to go to podchaser.com. Give us a good review. All you need is a Google account. If you can just find it in your heart to just give us like, you know 55555, give us a go.00:12:00발표자 2Gold recommendation or go to cast box cast box is also a place where you can give us a good recommendation. Go to our website azenglishpodcast.com A-Z englishpodcast.com. Leave a comment and send us an e-mail.00:12:21발표자 2A-Z englishpodcast@gmail.com that's A-Z englishpodcast@gmail.com and yeah. With that said I will see you.00:12:34발표자 2Next time. Thanks everybody. Bye bye.Podcast Website:https://atozenglishpodcast.com/a-to-z-quick-tips-3-idioms-using-live/Social Media:Facebook Group: https://www.facebook.com/groups/671098974684413/Tik Tok:@atozenglish1Instagram:@atozenglish22Twitter:@atozenglish22A to Z Facebook Page:https://www.facebook.com/theatozenglishpodcastCheck out our You Tube Channel:https://www.youtube.com/channel/UCds7JR-5dbarBfas4Ve4h8ADonate to the show: https://app.redcircle.com/shows/9472af5c-8580-45e1-b0dd-ff211db08a90/donationsRobin and Jack started a new You Tube channel called English Word Master. You can check it out here:https://www.youtube.com/channel/UC2aXaXaMY4P2VhVaEre5w7ABecome a member of Podchaser and leave a positive review!https://www.podchaser.com/podcasts/the-a-to-z-english-podcast-4779670Join our Whatsapp group: https://forms.gle/zKCS8y1t9jwv2KTn7Intro/Outro Music: Daybird by Broke for Freehttps://freemusicarchive.org/music/Broke_For_Free/Directionless_EP/Broke_For_Free_-_Directionless_EP_-_03_Day_Bird/https://creativecommons.org/licenses/by/3.0/legalcodehttps://freemusicarchive.org/music/eaters/simian-samba/audrey-horne/Support this podcast at — https://redcircle.com/the-a-to-z-english-podcast/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Craig Day and Tim Sanderson discuss changes to the FHSS scheme that are designed to improve flexibility. Subsequent to the recording of this podcast, legislation implementing the changes received royal assent on 20 Sept 2023. However the start date of the changes is still to be announced. Hosted on Acast. See acast.com/privacy for more information.

Todd Pletcher arrives at the 149th Kentucky Derby with another strong chance to win. The horse trainer and two-time Derby winner (Super Saver in 2010, Always Dreaming in '17) has three contenders in the field this Saturday: Forte (3-1) , Tapit Trice (5-1) and Kingsbarns (12-1) Today on the show, Eric and Todd discuss the preparation before the most exciting two minutes in sports, how Todd got into training horses and much more. Rate, review and subscribe to the show today! Tackle What's Next is out today! Order a copy of Eric's new book here: https://ericwoodmedia.com/book/

In this audio podcast episode, Miguel Gonzalez shares a few steps you may wish to take to become a retirement SUPER SAVERWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORS Facebook-> https://m.facebook.com/CortburgInc Twitter-> https://twitter.com/CortburgInc LinkedIn->https://www.linkedin.com/in/miguelxgonzalez/ Website: www.CortburgRetirement.com Email: Miguel@CortburgRetirement.com

Paul Benson is the Principal Financial Planner at Guidance Financial Services. With over two decades of experience in the financial advisory industry, Paul has helped countless clients achieve their financial goals, including saving for their first home deposit. In this episode, we'll be discussing the big challenge that many first-home buyers face - the deposit. Paul will share some common mistakes people make when trying to save for a deposit, and how to avoid them. He'll also explain how investing can be a powerful tool in helping you save for your deposit, before sharing his top tips on how to get started. Plus, Paul gives his insights on a government scheme that could potentially help first-home buyers increase their savings.    Resources and links: Paul Benson LinkedIn Financial Autonomy podcast   Connect: Lendstreet website Lendstreet on Facebook Lendstreet on Instagram Lendstreet on LinkedIn Michael Nasser on Twitter This show is produced in collaboration with Wavelength Creative. Visit wavelengthcreative.com for more information.

We're glad Ikea exists. The ability for a vast majority of the population to get their hands on some incredibly functional, well designed, and affordable furniture is a good thing. But, you're also unlikely to pass Ikea furniture down to your kids or for that matter, use it for more than a handful of years. Compare that to a campaign dresser from the 1800s! It's true that they don't make them like they used to. The same is true when it comes to modern financial advice. There's a lot of ‘wisdom' floating around out there that is self-serving at best, and deceptive and predatory at worst. So in today's episode we pull some ancient wisdom from the Bible, Stoicism, and other wisdom traditions from hundreds to thousands of years before our time. Then we connect that ancient wisdom to our modern times to help you to determine what you should be doing with your money.   Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: Knowing your ‘money gear' is a crucial part of your personal finance journey. Start here.  Sign up for the weekly HTM newsletter. It's fun, free, & practical. Find a thriving community of fellow money nerds by joining the HTM Facebook group! Maximize your rewards by getting the best credit card for how you spend. Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile. Don't be cheap and forego getting a life insurance policy. Compare rates with Policygenius. During this episode we enjoyed an Apricot Crumble by Vitamin Sea Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you're not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!   Best friends out!See omnystudio.com/listener for privacy information.

Eleven days of rides, food, fun, music and gaming is affordable for families looking for exciting things to do on a budget. The Pensacola Interstate Fair offers options to save your hard-earned cash with Dollar Day on Opening Day Thursday, Midnight Madness Friday specials, and advance Super Saver discount ride wristbands and half-price admission tickets. Dondi Frenkel has the details.

In spite of inflation, there are deals to be had. Amazon is in major overstock mode right now - offering a separate site for discounts, and a section for deals on open box returns - Clark explains. Also, there are those among us who, despite not making a lot of money, are able to save significant amounts. Clark shares how the goal of Financial Independence is achieved.  Amazon Cuts Deals: Segment 1 Ask Clark: Segment 2 Secrets of Super Savers: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Amazon Warehouse: Where Amazon Prime Returns Become Your Next Online Bargains Simplified Employee Pension (SEP) Definition - Investopedia What Is a SEP IRA and Who Is Eligible? What Is Direct Primary Care? A Patient's Guide to DPC - GoodRx How To Plan a Trip: Clark's Best Travel Tips To Save Money Travel Insurance? What You Need To Know Before You Buy A Simple Way To Help Your Kid Build Credit T-Mobile 5G Home Internet: 5 Things To Know Before You Sign Up Verizon Home Internet: Things To Know Before You Sign Up How To Find the Best Deal on Cheap Internet Service in 4 Steps   Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Avengers Assemble!Suit up for this weeks podcast all about Avengers Campus - the brand new land at Disneyland Paris.  Our local Magic Maker Martin was invited to two sneak-peak previews and he chats with fellow Magic Maker Rebecca all about this new land.We'll be chatting more about Avengers Campus including:How you can meet Marvel characters such as Spiderman and Captain Marvel?Where to eat including the Pym Test Kitchen?What's the atmosphere like?How good is the Spiderman ride?Does it live up to the hype?Are there any hidden extras and Easter Eggs in Avengers Campus?How to book a Super-Saver offer to Disneyland ParisBook your Disneyland Paris Super-Saver Offer:https://www.fairytaleholidays.co.uk/disneyland-paris-deals-offers/Stay in touch with the magicSign up today for exclusive member offers, Disney and Universal guides, travel tips and so much morehttps://www.fairytaleholidays.co.uk/newsletter/Book your next trip to Disney and Universal with Fairytale Holidayshttps://www.fairytaleholidays.co.ukSupport the show

Guest: SuperSaver  Julia See omnystudio.com/listener for privacy information.

Guest: SuperSaver  Julia See omnystudio.com/listener for privacy information.

Hello and welcome back to the 360 Money Matters podcast! If you're a first-time homebuyer that wants to break into the real estate market faster, then listen in on this episode! The biggest barrier for most first home buyers is usually the deposit that you need to put down on your first home. So enter this government initiative to help you accomplish just that.   The First Home Super Saver Scheme is a savings vehicle with tax benefits, helping a lot of first home buyers get started in real estate. In this episode, join us as we talk about the potential this plan has to work in your favour! We will help give you an understanding of how this scheme works, some of the benefits associated with this as well as some key things that you should consider before embarking on this strategy.   So be sure to join in on our conversation as we maximise your contributions and get you that first dream home!   --   This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. This information is provided by Billy Amiridis &  Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorised representatives and credit representatives of AMP Financial Planning – AFSL 232706   Episode Highlights:  • Introduction to First Home Super Saver Scheme • Requirements to be eligible  • Tax benefits that are available • The restrictions on contributions & withdrawals • Concrete examples of using the FHSS scheme   Connect with Billy and Andrew!   360 Financial Strategists Check out our latest episodes here: Apple Podcasts Spotify  Google Podcasts

Chris is a record-setting producer who shows agents how to break through to life-changing success & long-term security with proven appointment setting systems based on eliminating debt to build wealth for everyday Americans. “Coach Chris”, as he is also called also teaches the Infinite Banking Concept (IBC) using the most up-to-date products that can replace and upgrade a regular passbook savings account to a Super Saver account featuring no risk, fees or taxes, ever. He is the owner of the domain Build a Bank Workshops and has over 100 contractor type team members in his agency. He is a recognized and certified debt coach and wealth builder as well as sanctioned financial mentor under Global Renaissance auspices since 1998. Mr. McFarland is a licensed life insurance agent in multiple states across the country and is a pledged fiduciary advisor since April of 2001. His core belief is service leadership and courageous realism. Chief influences are Ray Dalio, Zig Ziglar, Napoleon Hill, Dale Carnegie and the Holy Bible. He has publicly accepted the Giving Pledge.Learn More: https://www.linkedin.com/in/christianmcfarland/719-207-6995Smartmoneychris@gmail.comInfluential Influencers with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-coach-chris-mcfarland-ceo-of-zero-limit-group

Chris is a record-setting producer who shows agents how to break through to life-changing success & long-term security with proven appointment setting systems based on eliminating debt to build wealth for everyday Americans. “Coach Chris”, as he is also called also teaches the Infinite Banking Concept (IBC) using the most up-to-date products that can replace and upgrade a regular passbook savings account to a Super Saver account featuring no risk, fees or taxes, ever. He is the owner of the domain Build a Bank Workshops and has over 100 contractor type team members in his agency. He is a recognized and certified debt coach and wealth builder as well as sanctioned financial mentor under Global Renaissance auspices since 1998. Mr. McFarland is a licensed life insurance agent in multiple states across the country and is a pledged fiduciary advisor since April of 2001. His core belief is service leadership and courageous realism. Chief influences are Ray Dalio, Zig Ziglar, Napoleon Hill, Dale Carnegie and the Holy Bible. He has publicly accepted the Giving Pledge.Learn More: https://www.linkedin.com/in/christianmcfarland/719-207-6995Smartmoneychris@gmail.comInfluential Influencers with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-coach-chris-mcfarland-ceo-of-zero-limit-group

Another wacky Wednesday slate filled with questionable tags. Not sure what to do? Don't worry our guys in the DFS Division have got you covered. Join Santino as he breaks down who to look at in the countless scenarios at play.Subscribe, rate and review on iTunes by clicking here!Manscaped is BACK, baby! Just like the NBA! Use coupon code HOOPBALL20 to get 20% off and free shipping on your purchase at Manscaped.com!Want more codes? We got 'em! ExpressVPN is offering 3 BONUS months on every 12-month membership purchase by using this special link: https://www.expressvpn.com/hoopballAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Everything you wanted to know about movie theater projection booths, and then some! Join host Douglas Arthur as he interviews Tampa Author and Comedian Clark Brooks about his side hustle as a film projectionist. The duo swap stories from long careers as "celluloid jockeys" in a variety of different movie theaters around the country including AMC, General Cinema, Regal, Super Saver, Harkins, and independent cinemas like the Buffalo Drive-in, and the Tampa Theater. A fun and fascinating look behind the scenes of the way things used to be, and the lost art of film projection. --- Send in a voice message: https://anchor.fm/SpaceMules/message

Are you wondering how to save for a house deposit while interest rates are so low? Azaria, in this episode, explains all you need to know about the First Home Super Saver scheme (FHSS) and how it may work for you. She touches on:

One of my favorite things to do is to learn from other people. I think that if you look at someone else's experiences and outcomes, you can better control what your own outcomes will be when faced with similar situations. When looking at what Super Savers believe and say about their own financial situation, there are several things that do not surprise me, but there are aspects of their financial lives that could also use some clean-up. This reminded me that just because you get one part of your finances right doesn't mean you are maximizing your potential wealth-building and stewardship. Today, we will discuss: 1. What Super Savers say about their financial habits 2. How you should follow Super Savers 3. How you can improve on what Super Savers do financially   Begin your path to financial freedom today: https://www.youtube.com/channel/UCjyCApAbHBN0Jtw5bAehbRg?sub_confirmation=1   Don't forget to like, subscribe, and leave comments below as I would love your feedback. Be sure to check out my website (www.mnowithdylan.com) where you can get more information on my financial coaching services and more, the podcast of these shows if you are more of a listener than a watcher, and follow the show on any social media outlet (FB, Twitter, & Instagram) @mnowithdylan (Money's No Object with Dylan Howell) [All links in description]. Tune in for more personal finance concepts. Don't forget to check-in every weekday (Monday-Friday) for new videos which will be uploaded each day at 6 a.m. CDT. Thank you, guys, for tuning into this episode of Money's No Object. I'm Dylan Howell. God Bless!   Facebook: https://www.facebook.com/mnowithdylan/   Instagram Page: https://www.instagram.com/mnowithdylan/   Twitter: https://twitter.com/mnowithdylan     (Please keep in mind that I am not a financial advisor. I create these videos for educational purposes only. You and only you are responsible for the investment decisions that you make.)

On this episode of the Upside, we speak to Global Consumer investor Aneta Wynimko. Aneta manages the Fidelity Global Consumer Industries Fund for Canadian investors and globally, she manages a similar fund and demographics fund.  She adds that she invests in different parts of the world with a big emphasis on the U.S. and Chinese market. Aneta is focused not only on consumer goods and services, but also intellectual property, brands, and pricing power.  Aneta speaks to host Emily Anonuevo about the changing consumer landscape since the beginning of the pandemic until now.  For example, the US consumer is more open and unrestricted whereas the European consumer behaves a little more cautiously.  Aneta points out consumers now are more concerned with quality products rather than fast fashion and that younger consumers are committed to sustainability and “greener” products than ever before.    Recorded on September 8, 2021.

--On the Show: --Henry Giroux, Professor at McMaster University and a Distinguished Scholar in Critical Pedagogy, joins David to discuss authoritarianism, neo-liberal fascism, the lack of critical thinking pervading society and culture, and much more --COVID cases are 300% higher than a year ago, while COVID deaths are 70% higher, and vaccination has stagnated in the United States --A Japanese video circulating about Ivermectin for COVID-19 is actually from February, and since then, Japan has not actually approved Ivermectin for use against COVID --Janene Hoskovec, the anti-mask woman seen deliberately coughing on shoppers at a Super Saver grocery store in Lincoln, Nebraska, has been fired by her employer, SAP --Republican Texas Governor Greg Abbott's approval rating has collapsed to its lowest ever as COVID is ravaging the state of Texas --Feds have asked Republican Congresswoman Marjorie Taylor Greene to account for $3.5 million in donations that she previously received --Donald Trump received a fawning, softball interview from Fox News host Greg Gutfeld, and it's unclear who was most humiliated during the interview --Donald Trump calls a statue of confederate General Robert E. Lee "magnificent" in a statement released after the removal of the statue in Richmond, Virginia --Voicemail caller presciently asks how everything can be Joe Biden's fault if, as many claim, Biden is merely a puppet and someone else is actually in charge --On the Bonus Show: Joe Manchin lays out list of demands, $3 million deal reached in rough arrest of woman with dementia, Amazon will open cashier-less Whole Foods, much more...

A video of a maskless woman intentionally coughing on customers at a Super Saver grocery store in Lincoln, Nebraska, is being widely circulated on social media. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/connie-brownlee/message Support this podcast: https://anchor.fm/connie-brownlee/support

Evan reminds listeners of the basics of personal finance.  The 20% knowledge required to be successful over time.  Inspired by a Wallet Genius article titled "Simple Steps To Becoming A Super Saver" published December 16, 2019, Evan also reminds listeners that no matter what year it is, whether it be 2021 or 2031, these five (5) tips are essential and proven.  By who?  You guessed it.  Your Broke at 40 host, yours truly.  Evan will give his personal thoughts for each of the five tips.  What additional proof do you need other than to hear it from your frugal friend?  Want to be on the show to share your money story?  Email us:  EvanThomasBroke@yahoo.com --- Send in a voice message: https://anchor.fm/evan-thomas1/message

Jim reports on the Nebraska Josh Fight, recalls the attractive salesmen at Super Saver, and Gabe confesses involvement in a Pyramid Scheme and gives us his picks for UFC 261. All whilst debating communism. Intro/outro Music- What's the Rush by Muso195Deep Thinkers and Beer Drinkers;    Email: ThinkAndDrinkPodcast@gmail.com    Instagram: Deepthinkers_Beerdrinkers    TikTok: DeepthinkersBeerDrinkersGabe Fraher found on;     Instagram: counterpunch_comedy     TikTok: counterpunch_comedyJim Witter found on;     Instagram: Jimclassiccomedy    

Warren Ingram and Grant Locke share some exciting news on an upcoming competition with OUTvest. We want to help you build towards your financial goals by making it fun, the more you save towards your goal, the higher your chance is to WIN the grand prize of R10 000 deposited into your OUTvest Investment account. You can also stand the chance of winning R1000 monthly and a signed copy of Warren Ingrams book. No investment is too small… So what are you waiting for? Sign up today: https://bit.ly/3wEMBlBP.s. Want to feature on an episode with Warren Ingram? Share your goal saving journey with us and you could feature on Honest Money pod.  

This week we had the pleasure of chatting to another one of our community babies who at just 20 years old has saved an impressive 60K!Joining you on Money Diaries this week is Victoria Devine and Ryan Jon.Do you love the podcast SICK and want more SOTM? Course ya do. Join our Facebook page to share your money wins and money confessions, follow us on Insta for daily inspo to keep you on track and DEFINITELY subscribe to our newsletter https://www.shesonthemoney.com.au/newsletter the written recap of the pod's key takeaways, including some bonus bits you won't want to miss.Finally, if you're in a money mess and need help untangling the muddle - we've got you sorted - simply record your question and send it through to us at podcast@shesonthemoney.com.au and you may just end up on the podcast!The advice shared on She's on The Money is general in nature and does not consider your individual circumstances. She's on The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Victoria Devine is an Authorised Representative of Australia Pacific Funds Management Proprietary Limited ABN 34 132 463 257 - AFSL 339151.See omnystudio.com/listener for privacy information.

This week we had the pleasure of chatting to another one of our community babies who at just 20 years old has saved an impressive 60K! Joining you on Money Diaries this week is Victoria Devine and Ryan Jon. Do you love the podcast SICK and want more SOTM? Course ya do. Join our Facebook page to share your money wins and money confessions, follow us on Insta for daily inspo to keep you on track and DEFINITELY subscribe to our newsletter https://www.shesonthemoney.com.au/newsletter the written recap of the pod's key takeaways, including some bonus bits you won't want to miss. Finally, if you're in a money mess and need help untangling the muddle - we've got you sorted - simply record your question and send it through to us at podcast@shesonthemoney.com.au and you may just end up on the podcast! The advice shared on She’s on The Money is general in nature and does not consider your individual circumstances. She’s on The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Victoria Devine is an Authorised Representative of Australia Pacific Funds Management Proprietary Limited ABN 34 132 463 257 - AFSL 339151.

And they’re off! In this week's episode of The Pony Pundits, Marco and Sig preview Saturday's Tampa Bay Derby from Tampa Bay Downs. King Guillermo captured last year's Tampa Bay Derby with a 49-to-1 upset, but that catapulted the horse to a very successful three-year-old season which saw King Guillermo finish second in the Arkansas Derby and fourth in the Cigar Mile. In a unique horse racing quirk, horses that run in the Tampa Bay Derby but didn't win have traditionally done well in the Kentucky Derby. Street Sense lost the Tampa Bay Derby but won the Kentucky Derby in a runaway. Super Saver finished third in Tampa before winning the Kentucky Derby in 2010.

Today we’re talking all about some very important women in Lucy’s life! To be clear these moms are *not* family vloggers and their kids are not starring in the videos. That honor instead goes to the 10 gallons of milk and seven loaves of bread they're buying. The wholesomeness of these women cannot be overstated and the importance of women discovering & nurturing their hobbies is truly a delight to see. How much does Claire hate eating things out of the freezer? How magical is it to grow up in the woods? Why isn’t there a Super Saver near us? When did cereal and snacks get so political? Plus, secret baptism family drama! Get to know the moms! www.youtube.com/playlist?list=PL6…pDLElsMwBj_eIBRPR Claire’s radiator was having a TIME during the recording of this episode, so sorry about all the random hissing y’all. We hope you enjoy this episode! You can follow us on twitter @dontforgetpod, support us on patreon www.patreon.com/dontforgetmegryan or send us an email at dontforgetmegryan@gmail.com (we would love to hear from you!)

In the 1960's Russ Raybould started a grocery store that today has become the 36th largest employer in the state. His one little grocery store on the corner of 17th and Washington in Lincoln now has 22 locations across Nebraska and Iowa and is a staple in the state. And keeping any company going for 55 years isn't easy let alone the grocery industry that has seen so much disruption from Walmart to Amazon to Covid. The chain continues to stand the test of time in part due to it's friendly employees and also due to Russ's son Pat Raybould who joins us today. ___ Connect with the Nebraska Made | YouTube | Facebook | Instagram | LinkedIn ___ This show is produced by Grindstone. Interested in starting a podcast? Visit grindstoneagency.com/podcasting to learn more.   Support us!

In the 1960's Russ Raybould started a grocery store that today has become the 36th largest employer in the state. His one little grocery store on the corner of 17th and Washington in Lincoln now has 22 locations across Nebraska and Iowa and is a staple in the state. And keeping any company going for 55 years isn't easy let alone the grocery industry that has seen so much disruption from Walmart to Amazon to Covid. The chain continues to stand the test of time in part due to it's friendly employees and also due to Russ's son Pat Raybould who joins us today. ___ Connect with the Nebraska Made | YouTube | Facebook | Instagram | LinkedIn ___ This show is produced by Grindstone. Interested in starting a podcast? Visit grindstoneagency.com/podcasting to learn more.   Support us!

This week's money diarist is a great example of someone who took their money story and a tough start in life and turned it into some really great habits. Some of us in the office definitely wish we'd had our ish together like this gal at 18, but sadly dropped our money out the window on random spenno things instead.Joining you on Money Diaries this week is Victoria Devine, Ryan Jon and Georgia King.Do you love the podcast SICK and want more SOTM? Course ya do. Join our Facebook page to share your money wins and money confessions, follow us on Insta for daily inspo to keep you on track and DEFINITELY subscribe to our newsletter, the written recap of the pod's key takeaways, including some bonus bits you won't want to miss.Finally, if you're in a money mess and need help untangling the muddle - we've got you sorted - simply record your question and send it through to us at podcast@shesonthemoney.com.au and you may just end up on the podcast!The advice shared on She's on The Money is general in nature and does not consider your individual circumstances. She's on The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Victoria Devine is an Authorised Representative of Australia Pacific Funds Management Proprietary Limited ABN 34 132 463 257 - AFSL 339151.See omnystudio.com/listener for privacy information.

This week’s money diarist is a great example of someone who took their money story and a tough start in life and turned it into some really great habits. Some of us in the office definitely wish we’d had our ish together like this gal at 18, but sadly dropped our money out the window on random spenno things instead. Joining you on Money Diaries this week is Victoria Devine, Ryan Jon and Georgia King. Do you love the podcast SICK and want more SOTM? Course ya do. Join our Facebook page to share your money wins and money confessions, follow us on Insta for daily inspo to keep you on track and DEFINITELY subscribe to our newsletter, the written recap of the pod's key takeaways, including some bonus bits you won't want to miss. Finally, if you're in a money mess and need help untangling the muddle - we've got you sorted - simply record your question and send it through to us at podcast@shesonthemoney.com.au and you may just end up on the podcast! The advice shared on She’s on The Money is general in nature and does not consider your individual circumstances. She’s on The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Victoria Devine is an Authorised Representative of Australia Pacific Funds Management Proprietary Limited ABN 34 132 463 257 - AFSL 339151.

Meet Tim K Dean, founder of Credi the personal loan management platform for private lenders. For tips on lending money, borrowing money and gifting money check out Bomad.Learn more about the First Home Super Saver Scheme.If you'd like to get a full picture of your financial health Download the WeMoney app. Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.DisclaimerWe Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation

Saving up for a house can be a challenge - but the Money Madams are here to speed up your progress. In this week's episode, we take an in-depth look at the First Home Super Saver account - who is eligible, what the benefits are and how and when you need to access the funds. For the full details of the scheme head to the ATO website to learn more click here.

To say that Kathy from Baby Boomer Super Saver had a difficult journey ahead of her is an understatement. She was $70,000 in credit card debt, with a big mortgage, and a spouse that had a medical emergency. So how did she make her way to the millionaire retirement level?Through financial management communities like the FIRE movement, she was able to correct her spending faults, earn more, and invest most of her income into retirement accounts.Kathy put in the work to change her mindset about money as a whole, and reach for abundance instead of just survival. Now, Kathy teaches others how they can reach their retirement goals (even if they’re behind where they want to be) on her Baby Boomer Super Saver blog.Whether you’re just starting your career, or are a few years away from retirement, Kathy has some incredible tips on money management, maxing out retirement contributions, and being intentional with your money and your journey.In This Episode We CoverHow to reach your retirement goals even if you start later in lifeSnowballing your debt so you can save moreChanging your financial mindset to get where you need to beThe 2 key ways to get your retirement savings upHow catchup contribution accounts like the 457b plan can accelerate your investingBeing intentional with your money while lining up your saving/investing with your valuesThe importance of educating yourself and not relying entirely on others for financial adviceAnd SO much more!Links from the ShowBiggerPockets Money Facebook GroupBiggerPockets ForumsDave RamseyBiggerPockets Money Podcast 18 with Mad Fientist

Members of our community are keen to know more about the First Home Super Saver scheme (FHSS) so I pulled Vince Scully from Lifesherpa onto the show to walk through what you need to know, touching on:

This week, on our penultimate episode of My So Pod Life, we'll find out what happened after Rayanne got harassed at the Super Saver. Rickie and Corey have The Talk. Rayanne shows up on Lewis's doorstep. And it's opening night of the play, y'all! Thanks for listening. You're so beautiful, it hurts to look at you. Intro music, "Late at Night" by Buffalo Tom. Check out more of Buffalo Tom's music! --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

The First Home Super Saver Scheme is basically legal money laundering. And if that doesn't get you excited, I don't know what will.The Scheme allows first home buyers to save extra money for their first home inside their super, and take it back out again at a lower tax rate. And saving on tax = WIN. Our special guest is Conaill Keniry, a financial adviser and the director of What If Advice. In this episode, we explore: How tax works with our super fund The ways we can contribute to our super and how they differThe maximum amount we can contribute each yearHow the Scheme benefits first home buyersHow the extra money in my super gets invested, and if there's any risks if the share market dropsIf it has any impacts on my HECS repaymentsThe process for taking money back out of your super when you're ready to buyThe timeframes involved - when I need to withdraw it, when I need to buy a property and how long I need to live there for (super important!!)How to actually use the Scheme Which professionals you should be speaking to Do you have a burning property question you'd like answered on the show? Connect with us on instagram @thebuyersbible, we'd love to hear from you with questions, thoughts and feedback. Don't forget to head to our website www.thebuyersbible.com.au for our show notes, and to download your free first home buyer checklist. Information provided in our podcast is general in nature and does not constitute financial advice. Every effort has been made to ensure the information is accurate, listeners must not rely on this information to make investment or financial decisions. Theme music: Lioness (Instrumental) by DayFox https://soundcloud.com/dayfox Free Download / Stream: https://bit.ly/lioness-instrumental

I ain't no super saver hoe --- Support this podcast: https://anchor.fm/mistress-of-macabre/support

Guest: Julia 

Learn how joining the FIRE movement helped Kathy Lee, Baby Boomer Super Saver, get out of debt and catch up her retirement savings.

It’s the 20th of May. If you’re missing your friends or loved one, give A Fold Apart a go. It’s a puzzle game that explores the challenges of long-distance relationships. On now in Microsoft Store is the Super Saver Sale, offering up to 80% off great titles, including 67% off online action RPG Tom Clancy’s The Division 2, 75% off co-op prison escape experience A Way Out, 50% off action packed Mutant Football League and many many more. Finally, believe it or not, it’s the 5th Anniversary of The Witcher 3: Wild Hunt. With Xbox One X enhanced graphics, we think this game will play great long into the future. We’ll be back with more news tomorrow; thanks for listening.

My girlfriend is a super-saver but I need her to live a little. #Dilemma

Kieran McErlean is back in the studio explaining how the First Home Buyer Super Saver Scheme works. Is this something that could help you into your first home? James Kennedy, Kingsley's #1 agent, then chats about why this family stronghold has so much to offer. Have you considered the lifestyle offerings of this northern suburb?

On episode 26 of the Horse Racing Show, Kenny Rice talks syndication in the horse racing industry, such as when it started, who started it, and how it's shaped the horse racing industry in the last few decades. West Point Thouroughbreds owner and CEO Terry Finley discusses going from one owner and one horse to the largest partnership in the world with over 500 owners and 90-plus horses, the importance of Grade 1 victories and Kentucky Derby win Always Dreaming, his friendship with Secretary of State Mike Pompeo, West Point, and how to get into the racing business with a syndicate. Trainer Todd Pletcher goes over his outstanding career, from working for D. Wayne Lukas and Charlie Whittingham, learning from his father at a young age, to the special Belmont Stakes win with Rags to Riches and the “relief” of winning his first Kentucky Derby with Super Saver. Pletcher also talks about the special place that is Saratoga and his concerns about the extended meet. Connect with Us on Social Media! Twitter - @HorseRacingShow Youtube - https://www.youtube.com/c/TheHorseRacingShow Facebook - fb.me/TheHorseRacingShow Instagram - thehorseracingshow

EP153 - Pre-Thanksgiving Industry News and Listener Questions Thanksgiving road trips with Jason & Scot have become a tradition in the digital shopper marketing industry.  Here is an hour of new and listener questions, to get you ready for the Turkey-5 holiday! Spiffy announces connected car initiative.  The first connected car feature grants limited access to vehicles through OEM (Original Equipment Manufacturer) connected car capabilities. Eliminating the step of handing off keys prior to a service makes Spiffy's on-demand services even easier for customers. Amazon News HQ2/3 discussion Amazon offers free shipping w/o Prime (how will Target/Walmart respond) Apple establishes an official presence on Amazon Other News 11.11 Recap Walmart earnings (e-com up 43%) Walmart CEO Doug McMillon on Tim Ferris podcast New store concepts dominated by mobile experiences 7Fresh (JD Grocery) New Nike NY Store "House of Innovation 000" 7-11 scan and go Sams Club Now Amazon Go / 4-Star / Books Listener Questions Sri Rajagopalan Is the Amazon business in consumables really growing? Why are we not embracing Alibaba in the USA? Anonymous Anker rose to be a powerhouse of an Amazon business. Can you analyze their changes to highlight the overall marketplace transition to differentiated product development? Don't forget to like our facebook page, and if you enjoyed this episode please write us a review on itunes. Episode 153 of the Jason & Scot show was recorded on Sunday, November 18, 2018. http://jasonandscot.com Join your hosts Jason "Retailgeek" Goldberg, SVP Commerce & Content at SapientRazorfish, and Scot Wingo, Founder and Executive Chairman of Channel Advisor as they discuss the latest news and trends in the world of e-commerce and digital shopper marketing. Transcript Jason: [0:25] Welcome to the Jason and Scott show this is episode 153 being recorded on Sunday November 18th 2018 I'm your host Jason retailgeek, and as usual I'm here with your co-host. Wingo. Scot: [0:41] Hey Jason and welcome back Jason Scott show listeners. Tonight we are sitting here on the cusp of Thanksgiving which is the official kickoff of holiday 18 we got some great guests on as we get into the thick of that but we thought we'd take this kind of opportunity here before at everything hits to go over some industry news and we I had some listeners that were really dying to ask some questions so we have some listener questions and we have hopefully if our sound engineer is doing his job we should have this out before you do your travel for Thanksgiving so hopefully this gives you something to you get the folks in the car asleep so that you can pick about some e-commerce and get really super hungry as you ride to that, great turkey dinner that you're going to enjoy. Jason: [1:34] That's a lot of pressure you just put on the audio engineer thanks a lot. Scot: [1:38] Well we have a we have a big team and I'm confident they can they can get it done. Before we dig into news and Lester questions Jason you were at something to deal with a bonfire so tell me about this big block party with you. Jason: [1:55] Sorry I did not get to light anything on fire. Loyal listeners will have heard of last week show where we talked a little bit about some joint research that my employer poop assisted with salesforce.com and so we did this. Speak study called The Shopper first study and you can listen to episode 152 if you want to learn more about the study but one of the things we we've done is leverage pieces of that study in various social events around the country so one of these we called the retail retail bonfire was in Manhattan a couple weeks ago we had three or four hundred clients in. To the Dream Hotel put on a cool event and shared some of the research but I also got to, talk a little bit about one of my favorite topics which is personalization and I I got to share this story that I enjoy sharing that I call hashtag United you don't know me and it's essentially this. This tragic story about how I'm United's best customer and I'm in their Secret customer Infinity program and I travel millions of miles with him and I. Do all my spending with a very expensive United credit card and so imprimis they should know everything about me and they should have tons of data. Dramatically reduce friction and make my my experiences with them easy and. [3:23] There's just numerous touchpoint I have with them every day where they missed that opportunity and so. I used that story to sort of underscore the point that at the moment in the industry were talking off a lot about personalization but in reality, nobody's doing a very good job yet and we we have all that the data and insight to treat customers much better than we in fact actually are and so that's kind of. The kind of said my my talk which seems like it was well-received I got some good feedback at the retail bonfire. Scot: [3:57] Yeah there was a video posted in I couldn't hear what you were saying because it was from the audience there and but there was a lot of laughter I thought you were doing your quit this whole e-commerce retail gig and doing stand-up. Jason: [4:09] So you may have busted me I'm a little Overexposed I flew straight from the retail bonfire to the Home Improvement Aerie tail summer in Chicago which was that show for the Home Improvement industry at talking about digital disruption and so I think the video you're referring to is actually a little bit of my my sort of omni-channel presentation at the retail bonfire and I always. Put some jokes in there and occasionally one of them lands. Scot: [4:38] I don't know you're saying but those people were very rolling in the aisles. Jason: [4:43] I got super lucky that they accidentally recorded the one one segment where where they thought it was funny and they didn't record what I said so you will never know that they just don't have a very good sense of humor. Scot: [4:56] I was guessing that maybe you would like you're like the 9 p.m. and then going to dinner and had like 45 drinks or something. Jason: [5:04] Yeah well that for folks that are interest in having me speak to your event you should know I do have a two drink minimum so I only accept it and swear people are likely in that state already. But yeah so I've been traveling a lot since grocery shop doing a bunch of fun events and I've been trying to keep up on stuff, I feel like everytime I open my newsfeed all I see is a big giant picture of Scot Wingo, doing something with speed and I think there was some pretty cool news this week if I'm not mistaken. Scot: [5:35] Yeah it's kind of you know you would think that my car washing world would not intersect with our digital world that much but the increasingly dense and so one of the things we've been working on it's 50 for a long time is a fair number of Manufacturers have connected car initiatives big Tesla do so I've been in Connected car world since 2013 and what would connect the car is essentially is your vehicle has a 3G or 4G or an LTE connection, that essentially connects your car to the cloud and then usually the manufacturer will give you a nap and I'll let you do a lot of cool stuff so for example with the Tesla app you can lock and unlock the car to put it in the valet mode you can now actually. [6:23] It has a mode where will we will come to you that's pretty cool kind of Tony Stark mode and then so various other manufacturers have other features in addition to the app haven't connected car it in the vehicle you will have Wi-Fi and then you can have just like over the air updates you can have better Maps so there's a lot of really great reasons to do this from a consumer Behavior perspective so 2015 people started in it and it was kind of spotty because a lot of them would charge you extra a lot of consumers didn't sign up for it within the last 2 or 3 years OEM zarchive including it in the the first three to five years of the vehicle ownership so we're that ties in with our world is 50 is for doing Car Care car wash and oil changes those kinds of things and we're having watched Amazon for 20 years yeah I think they think they get right as a musician is being really obsessed with with customers so we. [7:24] I'm thinking how can we make that customer experience better and one of the painful things, drives us crazy is we have to get our customers keys and that can be kind of an arduous process so this allows us for those customers that you have connected cars they can give us permission and then the day of service we can come in and our technician can walk in the black car and get the keys to our service without having them involved. Inet School transparency in mission control of that so that was really well received a lot of good press and thanks for bringing up it's it's it's fun to see how these things overlap. Jason: [8:00] Yeah it's that's kind of cool. It reminds me a lot of sort of it's the carwash equivalent of the Holy Grail of Amazon or Walmart delivering the groceries right through my refrigerator. Scot: [8:12] Yeah Amazon does have a program So within the Amazon key there's two flavors to key there's that home one where they can you can grab them permission with a Wi-Fi lock that come in or out and then you have a camera to watch Lily person I've been else have a car delivery system within tea and they're using a lot of the same technology that we are in the connected car to do that. Jason: [8:33] I will say I know you. Joke about there being a lot of overlap but it's kind of annoying for me because I feel like I'll go to visit a car client and you don't be talking that e-commerce and. You know if you start to feel like you've moved on from e-commerce the car and then they're still out yet we're sick of Jason can we meet Scott. Scot: [8:54] Funny Cooks so it would not be the Jason Scott show without a little bit of. Jason: [9:07] Your margin. Scot: [9:16] Cool well the big amazon news that that has happened since our last news podcast is they they did make the final hq2 decision. Good news is it lined up the rumors reported on so this is kind of like old news in a way but I guess we should say. [9:33] So what Amazon did I is they did kind of did the proverbial the Old Testament splitting of the baby and instead of announcing they decided to split it into two so, New York's and Virginian were the winners so specifically New York City somewhere around Queens called Long Island City which is maybe you can explain this list I don't understand this particular thing. It in Crystal City and they're actually, asking people to kind of create a new names there's a whole new name there that they're going to kind of call where they're going to be, something like National Landing so that's interesting and so there was a lot of controversy after Nelson super small lot of people were upset they split it. I and our cock will this isn't really another headquarters is just two things. You know dr. Holloway was right he had predicted this and so he was indicated in his whole thing about you know it's convener to abduct businesses houses and their political influence. The light people of observed that now Amazon has data from sunlight 240 cities and Metro areas about. [10:50] All this data they had them put together for Amazon is now sitting somewhere in a database I hopes Amazon in the variety of different ways young next time they build a building center or a Dana Center they can kind of go and say well you know for hq2 you said this, certainly give us portion of whatever you promise, and then the other big one is now that it's public the subsidies have been released and it turns out we add up New York in Virginia it's over 2 billion dollars and subsidies, so this creates a lot of consternation from citizens who were like wow why are we paying so much and then company exist, okay we've been here forever when are we going to get our tax credits and it's just really kind of, yeah I probably read 5 articles a date so kind of from the aftershocks this that's been and, you're so that's good be interesting to watch and see where they they plant more flights would you think about it all Jason. Jason: [11:59] I'm a little over at my wife asked me today and I she pointed out that I kind of snapped at her in the answer. Cuz I'm a little tired of talking about it out of course I want to share my myhumboldt pod with our listeners. [12:20] So they're opening a new headquarters in a suburb New York and they're going to 25,000 employees Google already has close to 25,000 employees in New York and there was no year long. Contest or you know this constant drumbeat of news Amazon set. Nothing's up by calling at hq2 and having this kind of formal contest and all of us to follow the industry and in the media. [12:51] I feel like sort of overreacted and bought into it too much because it's in some ways it's it's not a heck of a lot different than. Then the way every other company behaves I mean all all companies you know try to extort these business development funds from cities when they moved new infrastructure there I mean. Towing threatened to move their headquarters from Seattle to Chicago McDonald's and moving their headquarters like they're all these things that happen all the time. And it's it's kind of annoying that the Amazon one stayed in the new cycle for a year and then had this anti-climatic ending right so. They split it up between two City so it clearly isn't that co-equal headquarters like I'm sure the center of gravity for Amazon is going to stay squarely in Seattle so people that like that or going to be happy people that don't like Amazon's presents in Seattle and probably. Going to be disappointed they're going to hire a bunch of people in New York and compete with with Google and the agencies protect tires in New York but that's not. [13:53] I think a game changer you know it's. I feel like it's a little overhyped I will tell you that Steve Carell was the host of Saturday Night Live this week and he played Jeff Bezos. In the opening and he had a bunch of funny lines but one of them he's like we are excited to announce hq2 last week and everyone was really excited with our result. What are the people in one of the cities that we selected as hq2 or any of the people that live in anywhere that is not hq2. Scot: [14:25] Spring Arbor. Jason: [14:30] Pretty funny and summed it up pretty well side note. Anytime a city cut these Economic Development projects with employers one controversial thing is right. How much input you gave the citizenry in this and what you know sort of checking balance process were followed and obviously. Particularly in New York Amazon negotiated for these things and the governing politicians a largely. Agreed to them without any public discourse and so now that they're revealed there's there's a lot of folks on City councils and Andreas capacities that are sort of. Outraged and obviously the Optics to Amazon probably look pretty bad because they're. There you know compared to many companies there they're doing very economically well now these these. Subsidies that they're getting our are publicly revealed there was no there was no sort of public comment. [15:33] And it looks a little shady that they promise this whole hq2 thing and then they they split the baby and you know we all assume that the subsidies they got are not half of what was offered because they split the headquarters in half they probably. Got most or all of the the offered subsidies even for the the half the jobs that they promised and as you kind of pointed out. Every single time they open up a filming center from now on they're probably going to remind that municipality what kind of. Program was off and you know the try to get as much as they can and I think they even announced a big new facility in Nashville the same time they announce these two headquarters. I'm not I don't think they're behaving that much different than any other employer but I feel like. Some of the overhyped pr maybe sort of backfiring on them at the moment because there is a big backlash. And it almost even feels like Amazon recognized it again overboard cuz I feel like they they'll eat the announcement on Election Day in that like I assume that was to try to. Can I sneak it in and a busy new Psycho. [16:40] So another interesting one that I was following this week is there's been kind of a fun arms race on what retailers would do for their free shipping program for holiday. So Target. [16:57] Several weeks ago and asked that they would drop all minimum thresholds on their free shipping so you know if you want to shop from Black Friday to Christmas it Target no matter what you buy what volume you get free 2-day shipping. Walmart normally has free 2-day shipping with a $35 threshold so we are all curious to see if Walmart would respond to targets. Offer in Walmart did not respond they announced that they were going to keep their $35 threshold and so at the time I thought that was kind of interesting Walmart didn't feel like they had to chase. Target in this particularly expensive to offer promotion over holidays I thought that was kind of fascinating and that in a way I, I sort of admired Walmart's position there and then the totally unexpected thing happened Amazon came in and said, oh and by the way we're offering free shipping with no threshold whether you're a Prime member or not for the holidays Inn in effect matching targets offer and undercutting Walmart and well haven't been in Walmart was comfortable, not matching Target I suspect they they did not anticipate that that, Amazon would have a significantly more generous shipping offer than they did. Scot: [18:14] Yeah I had some people tweet at me in there like what why I would even pay for Prime and you know I think what those folks are missing is this is the Super Saver quickly a program that used to be you had a minimum car that you have to get to get Super Saver but it's still the Super Saver service-level just Hard series things to say but essentially you know that's kind of the slow boat and it's a 4 5 6 day kind of a shipping window not a not a two-day so Prime Sole is the thing that makes sense in my mind to pay for it because now you're getting free 2-day shipping for pain description so that's the difference in yiay Prime and Super Saver can still co-exist even when Super Saver is free. [18:58] One thing I noticed it was interesting is there's been a lot of kind of friction between Apple and Amazon over the years and then also Facebook their Style lot of drama going on with with all these companies fit specifically between Apple and Amazon you know there's been no love lost there they had, what example is Prime video for the longest time wasn't available on Apple TV devices you know I don't think apple is ever available on Amazon Fire devices and then I'll dig up that resolved and then one of the ones that got resolved that was kind of nursing is is Apple app that apple is going to really increase its listings on Amazon with kind of bring that the main product lines up there with iPhones iPads and that kind of stuff so it was actually Apple selling on Amazon, I thought the timing was interesting it feels like if your Apple you want to do that for the holiday, the water of Wall Street on Judith at the new iPhones aren't selling it, the pace ever thought they should be and suppliers are swimming in inventory so that was interesting you know what is the quid pro quo if I'm if I'm. [20:15] Amazon and I say alright I'll let you somewhere your stuff here you know obviously you're getting it cuz of that, but then you got it feels like there's something else going there and one of the big friction points as a Kindle reader so I use my Kindle app on my iPad is can't really buy from the Kindle app you have to go to the Amazon website you can buy to the Amazon apps Can't Buy Kindle content website order it and then download it and what they're doing is it getting around the 20 to 30% take right at the store level not selling right from the iTunes Store. So I would love to see you know that is a big friction point that with the Amazon ecosystem I'd love to see kind of hopefully as he's guys get along better let's see that go away. Jason: [21:07] I totally agree you know I assume one of the things that that Apple's getting in the short run is that by being on on the. The popcorn formula that they're going to get more brand protection help in more policing with all the the counterfeit product and because am is Apple so popular. You know there's a lot of speculation that there's a ton of counterfeit fit product and I'm I'm thinking mainly like Chargers and cables and things like that that that. Probably part of the quid pro quo of Apple being on their formally is that they'll get more help with their brand protection and so in some ways it felt not too dissimilar from the like the deal Nike cut earlier for example. [21:52] But I will throw one thing out, I share your frustration I can browse for books on the Kindle app but I can't buy them I have to go to the website and prove your point it's because when you buy something through an app you pay a commission to the app store owner right and so. Amazon doesn't want to pay Google and iTunes the big Commission on those. So they make you go to the web there is now a traffic solution for this Amazon should release a Kindle Progressive web app. An answer that that essentially like would be. Functionality that you don't get from the the App Store and therefore don't have to pay a commission and so they could basically have all the same offline capabilities that they have in their app that can let you put an icon on there on on the. The homescreen let you read books offline and all those sorts of things and they could sell you books which without having to pay on iTunes or Google Play. Commissioned so regardless of whether this deal makes apple and Amazon more friendly in that way if you like Amazon needs to get off the dime and embraced pwa. Scot: [23:04] So then how do you it's so I'm going to do it for dummies question if they're not in the app store which everyone's been trained as a way to get this stuff how do you do discovery. Jason: [23:15] So that still is the that is the problem with pwa today. [23:21] Never trying to con in Discovery they're not discovered in the App Store but they are much more discoverable in Google then amps are in so. I if I were a Amazon I would certainly still have. My app in the app store for Discovery but I would give them an alternative which is this pwa version so instead of throwing someone to the Amazon website to buy. The book and then having them come back to the app to read it I would throw them to the pwa version of my sight to both by the book and read them going forward and it will see if the App Store. Track down on this pain at the moment there's no restriction against having an app in the app store if you get that app away for free by the way you pay nothing to the App Store have utility in that app. In that app you can totally promote your pwa and even had a direct link for someone to download the PJ pwa version, as having greater capability than the App Store version so. You can kind of use the app store version of the Trojan Horse for your pwa version but at the very least the pwa version would be a good would be a better alternative than. Send him to the website to buy and then having them come back to the Kindle app. [24:46] So we'll see how that all plays out. Scot: [24:48] Search Jeff listens I'm sure he's taking care of since Jeff call Jason if you want details. Jason: [24:53] Or I'll just send an email you can add a? In forward it off to someone to ruin their life on Thanksgiving. We you did not record a show directly adjacent to it but. Of course singles Day November 11th was happened since the last time we did a new show and it's kind of a big milestone it's the 10th anniversary of double eleven day. Did you were you up late buying some stuff from Hong Kong. Scot: [25:29] Wasn't you know I think it's been interesting over the 10-year Ark where you know I feel like the last first nine years there was all this hey this is going to spill into the US and then feels like this year there's finally capitulation and I didn't even get a single email I think from us retailer promoting it like last year I got a couple of your before I got a lot and you before you a lot so it feels like, we kind of given up on the spilling over in the US and then Prime day is kind of become are on the singles day. And now everyone is anchoring on that and offering their own kind of deals around that time for 11:11. Yep. Jason: [26:10] The number of years where singles they grew dramatically and Jack ma would threaten next year. We're coming to the west and mostly what that meant and this has definitely been true. Every year alibaba's done a great job of recruiting more Western Brands to participate in singles day, in Asia and definitely singles day has expanded Beyond China so Alibaba now you don't has a presence in other cities are other countries rather, they have is it was Zada. In Singapore did they extended it too so it's it's definitely become a bigger Regional event and there's a ton of Western Brands I have a ton of clients that are excited about it as an opportunity to sell to. The indigenous populations in those countries but I would agree with you right there was always some type that there might be some play for for us consumers and it most there's like a kind of soft play for. Scot: [27:14] Like a kind of soft play for. Jason: [27:17] But I definitely know I haven't seen any any traction with with Western Choppers. Just what happened they sold 30 billion the equivalent of 30 billion dollars in US 30.8 billion so huge day. Compare do I cut prime day that might be 4 billion or a Black Friday or Cyber Monday they could maybe hit 6030000000 the normous number, that's up from Mike 25.3 billion last year so, in a superficial you look at that and go man this this thing continuing a crank it does seem like the rate of growth is starting to slow down so that represented a 27% growth over last year to put things in perspective last year was a 39% growth over the year before that and I'm pretty sure every year other than those two has been over 50%. [28:14] Feels like the growth rate is decelerating a little bit and. In some ways even though was the 10th anniversary it felt a little bit Mewtwo number one Jack ma who played at the super prominent role in the first nine was was there but had like a much less significant role as he sort of stepping back from the company a little bit. I think Alibaba issued some guidance either right before or right after, singles day that they sort of downgraded their the revenue guidance for the year and there's a lot of talk about how the Chinese economy is slowing down a little bit so. You know it's it's one of those things like objectively. It did really well but against expectations it was a little bit of the year if you will. Scot: [29:06] Yeah absolutely and dumb Alibaba stock is spelled it so even after you know what kind of a crazy number like 31 billion essentially if you around up a tad which is crazy to do in a 24-hour period the stock is trading kind of New Year Of Glow and it's that pressure up lowering the forecast China economy slowing down the tariffs you know everyone is thinking. Is, assuming the worst with this tariff environment that were in so yeah it's going to be a little bit of a rough time there yeah I did see another article that to your point about brands that they had the most semi 200 Western Brands sold pretty considerable amounts on there and it it's funny it's kind of like you know everyone goes to China and tries to set up a.com to give up and they essentially saw Auntie mall to you're looking at, even Amazon who runs their own Chinese store they sell a lot of candles and devices over there which be like let's see if you like Amazon selling on eBay which you would never have so it is interesting to see it even though they're slowing down there quite dominant and huge portion of e-commerce goes to Ali. Jason: [30:24] For sure what one of the thing that seems what is containing attractions every year they make significant progress in trying to turn this into a omni-channel event so Alibaba owns a bunch of stores they only like a hundred of these fancy digital-first grocery stores they don't like 500 convenience stores. Increasingly there their soliciting other retailers that they don't, direct Lyon to participate in double eleven day in so what that usually means is some kind of digital enablement so maybe they have a digital sign in the front of the store with the deals and you can. Activate the deals in the store you might take the goods with you or had the good ship from home but you don't really trying to expand from being a pure e-commerce holiday to being an omni-channel holiday. [31:15] E-commerce is bigger in in China than is in u.s. it still is true that it's like e-commerce is like 15% of the total. Retail spend in China and that's. More true in a lot of the West develop cities so you know it. Yeah you got a really big tier-1 cities there's kind of a premise that they're they're getting saturated with e-commerce and that you know everybody knows about it and use it as much as they want to and that really is driving the. The swelling growth rates in China. There's a huge untapped Market in China which are all these West develop cities that you are more likely to have like real farmers in them and to one of those you get singles day to reach him or them is you. Enable that one physical store that's in that City to sell stuff from. From that singles day in that store and so it seems like there was something like 200,000 stores that participated in singles Day this year so so that to me is is. Kind of interesting and you know frankly that's going to have to be the future of the growth story in China right like you. [32:30] It's already bigger than the US that the addressable Market is even way bigger, but they increasingly have to get these not digital Shoppers to to get in online before they are able to get them to become e-commerce shop. Scot: [32:47] Yeah so pooping so we've covered Amazon Ali Baba and now another large Global retailer is Walmart they announce their quarterly earnings and this was weird once were they that came out in and you exceeded. Expectations and it seems like they raised him in the stock went down and I'm not exactly sure what went on there I bet you made his watch that little bit closer than I did the headline that caught my attention was they announce that e-commerce group 43%, I think that's a pretty good acceleration for these guys and Baseline about kind of 15% growth rate that's the top scorer number and government is a lot of people that anchor on this 15% growth number so it feels like Walmart's e-commerce is growing 3x Amazon's quarterly earnings were more in the mid-20s range so feels like they're growing faster than congratulations to our friends at Walmart there sounds like. Jason: [33:49] And kind of put it in a frame it a little bit if the investor Day last year mark Glory promise 40% annual growth in e-commerce and then the next quarter out they slightly miss that at 39% and, a 1% misses apparently enough that they took a pretty big beating in the in the. Financial press and in their stock market in their in their market cap so the next couple quarter since then they basically hit that, percent exactly in fact it almost seems suspicious cuz I hit that exactly so this quarter getting 43%. With big holiday quarter up is pretty favorable and good news for Walmart, you know I do like to remind people in my mind a big driver that huge number so you know what we're doing a lot of things to grow e-commerce they really turned up the heat on the marketplace and they've dramatically expanded their selection so I think. Not very long ago that they were selling about a million rescues online and today they're more like 40 or 60 million skus online so making huge progress on the assortment. But one of the big drivers of e-commerce at Walmart is. [35:03] Selling groceries online in the way Walmart predominantly sells groceries online is you order them online in there for field from the store so either curbside pickup. Or home delivery and. You know you can add a new skew to your eCommerce site and it instantly available to everyone in the US but to grow grocery sales. [35:26] You have to make more stores available to fulfill that order so Walmart has like 4,000 stores in the US. As of this quarter they had 2100 stores that did curbside pickup and 800 stores that did. Home delivery that's twice as many curbside pickup stores that they had last year so. In a way they've doubled their capacity to sell groceries online in the last year and they're promising another thousand next year and so a lot of this e-commerce growth is be coming from. Like this this significant investment the Walmarts making in grocery. Scot: [36:04] When will that be in every story like when will they laughed that that whole thing. Jason: [36:10] Yeah they haven't said yet but like if you. Last year 2000 stores next to a thousand stores if we if they keep up that linear progression they have two more years before they max out and so then it's another year after that before they really lap the. The 4000 store number so there's there you know could easily be two or three more years of. Benefit from this kind of digital same Source Tails phenomenon that's playing out at Walmart. Scot: [36:39] What's going on with our friends in Bendel. Jason: [36:43] I want a few things but the other one I would have just hit on right now it's kind of fun to Doug mcmillon's the CEO of Walmart impressive guy started out as in internal Walmart work in the stores and is now I think according to Fortune Magazine like the 40th most powerful man in the world which I remind myself every time I've been meeting with him he did an hour-long podcast on the Tim Ferriss show so, like you know he speaks a lot but not really long form like that and so it's kind of fun to hear him and he got to share a little more personal stories then then he's normally known for so if you're interested in Walmart I'd encourage you to listen to that podcast on the Tim Ferriss show and frequently the Tim Ferriss show is kind of a feeder for this show so we watch that show carefully if a guest as well there then we might consider having him on our show so you know maybe that bodes well for Doug's chances of getting on the Jason and Scott show one day soon. Scot: [37:44] Tim doesn't have the reach we do so we try to help me out by by mentioning his podcasr once in awhile. [37:55] So there was a lot of brick-and-mortar stuff announced involving phones and I wanted to pick your brain on that one I saw was 7-Eleven they have this kind of Scan & Go technology what's interesting is kind of pivoting from from Walmart there Walmart had this functionality I think they've actually kind of liked it so you could kind of self checkout at Walmart so now you can't do that but everyone else is trying it so, what the heck's going on with that. Jason: [38:25] So what we kind of genetic I'll scan and go is the ability to pull out your phone scan a product yourself in the store and then pay for it on your phone on and therefore not have to go to a cashier to pay for it and that the expressive been around for a while they weren't the first ones but actually Apple Store is offered this for quite a while so you can walk in and grab your accessories scan them in the Apple app, pay with Apple pay or whatever payment methods you have on file and walk out of the store never have to get help from anyone. [39:00] And we're seeing that increasingly being used Macy's is rolling that out one of the big complaints and these big department stores is that it's hard to find a cashier to check out. So that, potentially attacking the number one complaint at Macy's is you mentioned they rolled it they piloted it in Walmart and Sam's Club and they should have turned off that pilot in Walmart they've doubled down on that pilot in Sam's Club we haven't officially heard from Walmart what what's going on but, my suspicion is in this is kind of a funny side note about anything you do in retail. I'm willing to bet that a bunch of the clerks in Walmart did not love promoting Scan & go because it peten, the potential to reduce the number of shifts they have for cashiers in Walmart so you can imagine this labor force that's responsible for educating customers about this feature. [39:59] It feels like that picture is competing with their livelihood and so, wouldn't surprise me if Walmart is having a retrench How They Roll that out in the Walmart stores but they definitely have embraced it in the Sam's Club stores and in fact Sam's just announced a new. Concept store called Sam's Club now and not only can you scan & Go in Sam's Club now it's the only way to check out so you absolutely have to have a phone and you have to have the Sam's Club app installed before you're even allowed in the store you scan all your items as you put them in your car. And you you self checkout before you leave the store that's a interesting pilot. [40:44] At the same time since they now know every customer is using the phone in the app in the store they've added a bunch of features to the app so they actually have one of my favorite features they've added an augmented reality feature so you can name your phone camera. Add a shelf in the store it recognizes the products on the store and it gives you supplemental information about this product. So you can do the like kind of product comparison where you compare two products and see how the attributes are different than what the pricing is. With why products in the store you can also see ratings and reviews and things that were used to an e-commerce, Sam's is now enabling in the Sam's now store but using the the phone that they're forcing the customer to use and to me that's a big Trend in brick-and-mortar so I'm calling this Tran the future brick-and-mortar is mobile. Because we're increasingly sting same-store Concepts where you literally can't shop the store without using your mobile phone so. We talked a lot about Amazon go and this show can't get in the Amazon go store, without using the mobile app Amazon has book stores in these four star stores in if you want to know the price of any book in the bookstore you need to use the app if you want to pay in the stores are highly encouraged to use the app in those Amazon stores. [42:05] Jd.com that the second biggest e-commerce site in China has just rolled out this new digital grocery format called 7 fresh and they're requiring customers to use their, the phone to get in the store and to do scan and go and have all these features in the store excuse me. And Nike just opened a new, flagship store in on Fifth Avenue in New York it's a cool store for variety of reasons but most of the cool new features are digitally enabled features that require you to have your phone in the store that day, stores geofence the app so when you watch the Nike app near the store the app goes in the in-store mode and it gives you all these unique capabilities. Help you shop the store better so we could eat that in the future episode on any of the specific store formats but to me the big takeaway is. [43:00] 15 to 20% of all e-commerce sales sales happen in e-commerce the rest happen in stores, throw these things people are getting used to online like Dynamic pricing and ratings and reviews in more detailed product information and, the very consistent answer that we're seeing to solve all those problems for brick-and-mortar Shoppers is to have that experience on the phone. Perfect sense because. Customer bring the super expensive phone with a big brilliant screen with him to the store that's a lot more appealing than putting thousands of super expensive screens in the store at the store would have to pay for so I think there's a train we're going to continue to see play out. Scot: [43:41] Yeah and judging from your voice to get pretty you're pretty emotional about the stuff man. Jason: [43:48] I love me some mobile brick and mortar shop. Scot: [43:50] Cool that's the all the News That's fit to chat about any Commerce in retail with that let's move over to listener questions. Jason: [44:08] Question question question question. Scot: [44:14] Our first question comes from, Patrick and he says we're a small retailer with about 30 or 40 employees and we're transitioning from selling other people's stuff. To developing in manufacturing our own brand of products any suggestions on building a team within a retailer that is responsible for manufacturing your own. Brand of products does seems to require a new skill set of employees that we have not traditionally hired for for example Engineers product Developers osetra, Jason had any advice for Patrick on how to counter if swivel maybe not pivot is Right work but too kind of gradually go from selling other people's stuff to developing your own products and sign this. Jason: [44:56] That will sew a congratulations on leaning in that direction I absolutely the dad is a important part of the future of Commerce is more more companies are going to be selling their own stuff it's going to be increasingly harder to make a living selling other people's stuff and I do think you're right like I. You need a lot of different skills to be a product developer manufacturer and marketer, then you do to be a wholesaler or retailer in so I do think you want to think about. Adding those new capabilities via VIA dedicated teams. [45:39] A picture of the things I really want you to think about in the places I would start thinking about investing in in shifting my labor force the most are the successful products that people watch today. Are based on. An intimate understanding of the Target customer and their needs wants and desires and so like all the companies we've seen their been really successful launching new products have a direct relationship in some way or another with a customer, and they use that relationship to test launch new products and quickly iterate and that is Maybe, not best done on platforms like Amazon where's your. Pretty heavily disintermediated from the customer and so you know one of the things I encourage companies to do is they pivot part of their business from from wholesale to to being a brand of manufacture. Is [46:34] Thinking about how you can develop a direct-to-consumer Channel or some way to have meaningful intimacy directly with customers so that you can get. [46:44] Feedback from from customers and so you can more quickly iterate on five development and by all means once you have a great product. Use all those other channels to sell the heck out of it so I have no problem with you selling that new product you invented. On Amazon but I think you need another Channel besides Amazon to test and learn and really develop those those product quickly. The other thing I would remind you is when you're selling someone else's stuff someone else is invested a lot of money in creating awareness and demand for that product when you're making your own product. You really need to have a marketing strategy around how you're going to treat that awareness and brand and usually the, different skills the dirty secret is when you're selling someone else's stuff the Big Marketing skill you need is actually B2B marketing skills, you build a relationship with those retailers but when you start making products that you want consumers to buy, because they recognize that your unique value proposition you really need true b2c marketing skills and said yeah you need to start thinking about, having the right people with the right skills and the the appropriate budgets to do that and so you know those are all some of the things I would. I think about as I made that transition Scott any important stuff I miss. Scot: [48:04] Yeah we're going to have a question in a little bit about anchor spoiler alert and so listen. Don't stop listening. Here at this point Patrick Patrick didn't tell us the categories in so sometimes this works or doesn't but one what area is kind of July feedback like you talked about is Kickstarter or Indiegogo and a lot of the biggest campaign to see on there already pretty well put together so but there's this kind of, level down or maybe two levels down if you kind of Explorer to there and companies are using those platforms to do a lot of experimentation around features so let's say you're going to come up with a widget and I kind of want to find out if people want feature 1 2 3 or some combination of those use those platforms for that what you do is you put the basic product out there then as you date they have different terminology for this but it's actually there's these different levels that that people can commit to. I'm going to vote with their dollars so let's say your base product is $30 and then you can add these features and. You can use that that feature set on those platforms to kind of let people vote with their wallet for different features that you may or may not want associated with your widget. So if you still a little time poking around there you'll see what I mean but that's kind of a cool way of of kind of. [49:29] Killing three birds with one stone so you're getting dressed feedback from consumers you're getting people to pay for YouTube product which is always nice, I did the third one is your building that direct channel so that those platforms can be really useful way that I don't think a lot of Amazon sellers may think about leveraging those platforms for for for doing that. Okay our next question is from Street, and we'll do kind of lightning round here so his first question Jason is is the Amazon business in consumables really growing. [50:06] All right. Jason: [50:08] But clearly there's categories like the Amazon basic battery famously has. 31 market share which is 10% bigger market share than Duracell tons of brands are seeing huge growth on Amazon subscribe and Save. I think it's fair to say that like Dash replenishment well super interesting and potentially the future. Isn't huge yet but absolutely Amazon's having I think very meaningful success in in consumable type product. Scot: [50:39] Are there any consumables that aren't doing well. Like maybe razors like me up Dollar Shave Club and doesn't seem like Amazon's really directly address to that that market that seems to be where razors are going just going to rain in my pickle. Jason: [50:55] That so you know we're going to do is we have to invite one of our data friends like 10 10 data onto maybe share that but I would not be shocked if Amazon sells more razors than Dollar Shave Club or Harry's. So I haven't I'm guessing I haven't specifically seeing the data on razors obviously there are a lot of people buying razors as a single order from Amazon. What's the mixture make a note and we will find out from from some folks that might know in the future shop. I think one of the other questions that tree ask got was why are we not embracing Alibaba in the US. Scot: [51:37] Yeah we kind of talked a little bit about this on the singles day coverage and there's just kind of an interesting little history lesson here, not a lot of people may know so Alibaba acquired a eBay selling platform full disclosure this is a kind of small competitor of Channel advisors called Activa in August of 2010 and then one of the things that Activa team did it and I'm good friends this guy's name is Jeff they pitched Ali Baba on building a Marketplace so essentially aggregating the products from those eBay sellers that now we're kind of also buying a lot of products from Alibaba to sell in the US and they came up the little Marketplace called 11 mean that never got traction a lot of people kind of a room you'll see felt like that was Ali Baba's bet on the US and that's not true and it was just kind of experiment Within that ended up getting caught wound down in 2015. Combined with a bunch of other marketplaces and then. [52:47] Alibaba you know where they're investing heavily is so special to have a very large US presence in New York and their they seem to be expanding that AliExpress is, have a B2B site where you can buy in bulk you know products and then resell them so lot of these Marketplace sellers Source from AliExpress I don't think Alibaba disclose exactly how big that is in the US but I I know it to be quite large so that's a big Market Place a lot of people don't know about because it's kind of weird B2B and then the other kind of technical of Alibaba that reaches into the u.s. today is they invest in a lot of companies. So let's see I always get some of this mixed up with Racket and who's the other company that kind of comes in and buys a lot of our companies so alibaba's a big investor in ShopRunner and then they see today by some The Flash show cat is or was that. Jason: [53:48] I know for fact rocket on about a few but it wouldn't shock me a volume also has. Scot: [53:55] So it seems like most of their their plays in the US have been to really kind of, invest in things and keep an eye on it where you know where I think they're they're doing a lot of the US is more China in so we mentioned earlier the show getting large Brands sell into China that have done some experiments we're trying to get Chinese Francis on the US yep that hasn't really play doubt busiek Park is flowing through Amazon right now or through AliExpress or from Alibaba which you know back to the first question how do you start building questions how do you your seller of other people stuff how do you start the Liam one thing we didn't talk about is finding a Chinese manufacturer alibaba.com is great for that so you can go on there and literally find a factory to make you any. [54:45] So those are the ways that there is some connective tissue between kind of the the China Alibaba world and the US so yep there's always been speculation to sew on eBay and PayPal split up there's rules around this I think we're past the time frame around these rules there's a lot of speculation that it was being done so that the eBay asset could be sold off mom and the number one company admission does find that would be Ali Papa so that would become an interesting way for Alibaba to really get serious about the US market is by eBay retool it and kind of what's worked in China which is splitting the people kind of oriented auctions from any of the B2B sotol Ballentine mall and and then taking a run at the US with some combination of putting a lot of Chinese sellers in the mix so so we'll see the jury still out on that I think it's definitely something Ali Baba has it keeps an eye on and want to the kind of in a weekend position right now like we mentioned earlier so out so I don't think it's you know if I was there I would do that right now, but you know it is something to keep an eye on and we will report any news there on the Jason Scott show. Jason: [55:56] Nice. We're starting stats for Tom little bit that you dirty tease this question so I want to make sure we get it in I think it came from an anonymous listener but it sent you the question was anchor which is a nktr which is the. The accessory mobile and PC accessories manufacturer anchor Rose to be a power a power house on Amazon business can you analyze their changes to highlight the overall Marketplace transition to differentiated product development. Scot: [56:28] Yeah and so my knowledge I've never works directly with these guys but I've read a lot of articles about him and I know people that have worked with him so it's all second-hand knowledge so Jason you may have more knowledge but urban legend at least on this is Anchor started as just kind of in one of these companies that sells a lot of accessories and then they started to see a hole in the market not and I think one of their. As they started to get their know their customer a lot of them are Travelers like like you and I and the one of the first things they noticed or heard from their customers was, hey you know I want, more USB ports on my power supply so that I don't have to buy as many of the Scituate of the bricks so one of their first products that came out with was a multi USB plug-in kind of power supply that was wildly popular and now they've taken that and really run with it and you know they have a whole, Kohl Mansion whole group that that innovates around these kinds of things talks to people and understands you know what what is their next gadgets need look like, I'm I'm sitting here and. [57:43] I got 30 or 40 different anchor thinks I have a thousand Jason and it's one of my favorite things to buy on Prime day because they are pretty aggressive song and to my knowledge they pivoted from Simply a Marketplace seller all the way to a top manufacturer I've read articles that kind of put their sales well north of of several hundred million dollars would surprise me I bet they're probably three to five hundred billion dollar company at this point so, back to that first question this is a really good example of how they do it but I also know, it's been a lot of time looking at Amazon search results there's various services that give you Amazon searches and the results, so for example we have a customer channelizer that spoke at a conference so I don't feel bad saying this they you know there's just this classic Han Solo in carbonite image there in the Star Wars world shockingly so I know a lot about them and they kept seeing people look for that in different ways and they came out with a beach towel that had it on it so it looks really funny the beach towel is just like. [58:50] The exact Han Solo in carbonite so it looks kind of funny when she was sitting there on the beach and they discovered that two looking at Search terms so people are actually looking in towels for Han Solo Carbonite not finding it and they saw the no search results there and decide, and I've heard danger guys talk about they spent a lot of time looking at the Amazon Marketplace in these inequities between Supply and man and then they figure out how to be the supply that meets that again. Jason: [59:18] Yeah it's an awesome tactic if your own e-commerce site it's one of the most valuable, places to mine are those zero results found on your own site but for sure using tools to get disability in the like what's happening on Amazon searches super valuable the other area that they they tend to farm a lot for good Insight is the reviews on the. Amazon so you you can actually learn a lot about the attributes people are looking for and products by reading the reviews of people that actually bought the. The previous versions of products which is another good tactic, and you did correctly surmise I feel like I am a little bit of an anchor hoarder I have some weird wait in fear that someone's going to come to my house with a weird device that they need charged and I'm going to be a bad host, and not have the right the right stuff so I feel like I I buy way too much of that stuff and every new Gadget that comes out open the door to replace it all right so. Now are our latest iPhones can be charged by 18 watt Chargers and they charge a little faster so I had to replace all the the the older usb chargers with USB C Chargers and one of the things you'll find from a company like anchors they have now moved in a differentiated products is. [1:00:36] Actually have competitive advantages over the ocean of of generic products that are there on the market so you can find, 18 watt USB C charger from anchor that are much smaller, that have like nice usability features like folding plugs and all these things then almost in the other sellers on Amazon so it it it are a little tip of my hat. It's always surprising to me when you can offer a differentiated product on Amazon where they now have like 600 million. Million skews and so that's going to be a great way to leave it hopefully you're listening to this show, in your car on the way to. Your relatives for for Thanksgiving and when you jump on your phone to look for some of those Black Friday deals make sure you check out some cool new usb chargers, from our friends and anchor and so, if I'm wrong or you have another paper product or there's anything else you want to discuss from the show we did encourage you to jump on a Facebook and leave us a question we do try to get to all of them we can. What is a good enjoy the show we sure would appreciate it if you would jump on to iTunes and give us that 5-star review. Scot: [1:01:48] Thanks for listening when we hope you have a great Thanksgiving and we're thankful here at the Jason and Scott show for you listening to these crazy ramblings through over a hundred 50 episodes we have no idea why you do it but we really appreciate it. Jason: [1:02:05] Absolutely and so until next time happy turkeying and happy commercing.

Today’s Say What Wednesday question comes from Emma, and relates to saving for a house deposit:  “Hi, thanks so much for the podcasts - I have learnt so much. My question is about saving for a house deposit in Sydney. We have $130,000 saved (which has taken us about five years to save) however we met with a broker and she recommended avoiding LMI by saving up the full 20% of the purchase price plus 4.50% for stamp duty etc. As we have two children we’d like to buy a modest townhouse which are currently valued at around $850,000. Basically, at our current renting while saving rate this would take us five years or so. Do you recommend using ETFs, LICs in this saving circumstance or using the first home super saver scheme or term deposits etc? I’d love to hear any ideas you have to help us save, stay motivated and finally buy something!”   Thanks Emma!  Here’s what we think...   Option 1 – Staying away from risky investments – (5-year period) Given that you want to purchase a place in 5 years, I would probably recommend staying clear of ETFs and LICs. The share markets have had a good run over the past 8 years and historically speaking, we are more likely than not to have some correction in prices within 5 years.   Option 2 – Interest accounts Keep doing what you are doing – Savings in personal names Downside at the moment – Low interest rates and income taxed   Option 3 – Super (First home super saver scheme) Using superannuation is a viable strategy in most situations, even though it can be a little restrictive. It essentially allows for larger savings through the reduction in total tax paid on the level of savings (through not receiving it as a taxable income). How it works: From 1 July 2017, individuals can make voluntary contributions of up to $15,000 per year and $30,000 in total, to their superannuation account to purchase a first home. Pre-tax contributions. – Taxed at 15%, along with deemed earnings, can be withdrawn for a deposit. Done through employer – Salary sacrifice Self-employed – Can still make the contributions, and claim a deduction on personal contributions later Must remain within concessional (pre-tax) cap of $25,000 Withdrawals will be taxed at marginal tax rates less a 30% offset and allowed from 1 July 2018. Amount of withdrawal = Net contribution plus deemed return (90-day bank bill plus 3%) 4.50% currently – will change as the RBA cash rate changes Withdrawal administered by the ATO - determine the amount of contributions that can be released and instruct superannuation funds to make these payments accordingly. Examples Individual earning - $60,000 a year – Never bought a home before They direct $10,000 of pre-tax income into superannuation increasing her balance by $8,500 (after 15% tax) Continue for 3 years – Contribute up to $30k in total Withdraw $27,380 Net contributions of $25,500 Plus deemed earnings on those contributions (4.5%). Withdrawal tax of MTR (34.5% including Medicare levy) minus 30% offset $1,620 in tax paid Net withdrawal - $25,760 $6,240 more than if saved personally ($12,480 more if you are a couple) Thanks again for the question Emma P.S. Awesome work on being able to get to $130,000 in savings!  

The last of our 3 episodes on buying your first home.We take a deep dive into the first home super saver scheme and we are joined by Vince Scully from Life SherpaThings you need to know & places you need to go!-Help support us here & keep the show commercial free, from as little as a coffee per month ($3.50): https://www.patreon.com/mymillennialmoney/-Insta & facey @mymillennialmoney-Our private facey group for listeners: https://www.facebook.com/groups/mymillennialmoney/-Check out Glen's cash flow course here: https://www.sortyourmoneyout.com/online-course/ (use coupon code "m3" for 20% discount)-John's website: www.solverewealth.com.auFeel like giving us a review if you like the show (if you listen on Apple Podcasts)?

Recently I spoke with Bret, a guy who has spent the last year and a half going from super consumer to super saver. He said he felt like he had been in the Matrix and has only just woken up after realising he had been sucked into a giant consumer machine. Where he used to use money to buy endless stuff, he is now using it as a currency to buy back his time.

It's a preview before the Derby preview on this edition of the Ron Flatter Racing Pod. TVG's Christina Blacker examines the Kentucky Derby field and goes over the 20 horses one-by-one to assess their chances of finishing in the money a week from Saturday. WinStar Farm president Elliott Walden discusses his three Derby horses – Justify, Audible and Noble Indy – and what it will take to add to his 2010 victory with Super Saver. The racing flashback goes back 50 years to when the Derby winner was not the first across the finish line and did not wear the roses. We also check out Twitter reaction to the updated Wynn futures on the Derby. RFRP is sponsored by TVG and ForHims.com/Racing. Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

We all know that property prices in Australia have gone stupid in recent years.  One significant consequence of that has been that first home buyers have found it increasingly difficult to enter the property market.  Banks like to see at least a 10% deposit, and in the ideal world you’d have a 20% deposit to avoid mortgage insurance costs.  But when a first home can often cost north of half a million dollars, saving a deposit of that size can be really challenging, especially if you have rent to pay, and perhaps a HECS-HELP debt that sucks away a portion of your income. Fortunately there has been recognition of this problem by both sides of politics, and the solution that has been legislated in recent months is the First Home Super Saver Scheme. So what is it, and should the First Home Super Saver Scheme be on your radar as a strategy to enter the housing market?  In short, should you care about this new initiative? Click here to get the toolkit  It’s always good to start at the beginning, so before we dive in, let’s just consider the objective of the First Home Super Saver Scheme. Home ownership is considered a good thing for the nation.  Now as regular listeners and readers will recall, in episode 19 I looked at whether people who simply can’t enter the property market are financially doomed, and the conclusion that we found is certainly not.  However for those that do wish to own their own home, and that is most of us, the rationale is sound. Owning the roof over your head gives you long term financial security.  Sure, you’ll have a mortgage to repay for many years, but one day this will be paid off, and so in your later years, you’ll have your housing needs covered for relatively little ongoing expense.  This makes retirement that much more affordable, and also provides you with the security of knowing you can remain in your community without disruption. Building equity in your home may also enable you to finance things like starting a business, and provide funds for Aged Care needs towards the end of your life if needed. Home ownership also tends to align with a sense of equality.  I enjoy reading about the period around the French Revolution, in the late 1700’s.  In that era (and it was much the same throughout Europe and England), the wealthy few owned everything, and the vast majority eked out a living as best they could.  In that type of society, the average person had little control over their life, and got blown about by the whims of the wealthy elite, with their wars and ridiculous extravagances.  Australians have always resisted a society like this.  The concept of a fair go is ingrained in us.  And whilst in recent years it feels like perhaps we’ve headed a bit more towards the wealth of the nation become concentrated in fewer hands, the ability to access home ownership for all Australians is a really important foundation stone of our society. So the First Home Super Saver Scheme exists to help ensure that entry into the housing market remains possible. So how does it work?  Now I need to give a jargon alert here.  I always try very hard to not use financial jargon when I write pieces for Financial Autonomy. But because the First Home Super Saver Scheme feeds into the superannuation system, and because Australia’s superannuation system is almost a language all of its own, I won’t be able to avoid having some jargon in this post.  I’ll do my best to explain things in what I hope are easily understood terms, but if anything is unclear, don’t hesitate to drop me an email to clarify. Click here to get the toolkit The First Home Super Saver Scheme enables you to make extra contributions into your superannuation account, and then withdraw them, plus the earnings, for the purposes of a first home deposit.  It’s rational because you are likely to save on tax, and typically the earnings on savings in a super fund will be better than what you would generate with a bank deposit. From 1 July 2018 it is possible to apply to withdraw voluntary contributions made to super after 1 July 2017 for a first home deposit. Voluntary contributions includes both pre-tax (salary sacrifice) and after tax contributions. Your normal superannuation contributions made by your employer are not relevant here – they remain preserved until your retirement.  The First Home Super Saver Scheme only applies to extra contributions that you make. The primary benefit exists for pre-tax contributions, so for the remainder of this post, I’m going to focus on these.  Now the jargon term here is “concessional contributions”.  They are concessional because these type of contributions receive special discounted tax rates.  For most people, concessional contributions occur via salary sacrificing to super.  That is, you arrange with your employer to have an amount taken out of your wage before tax is calculated, and that money is sent to your super fund, on top of the normal employer contribution that they would be making. Now if you’re self-employed, it’s even easier, as it’s probable that any contribution to super that you make will be concessional.  If your taxable income is quite low, this may not be the case, so get some advice here if that’s applicable. Because the money you’re sending to super comes out before tax, you’ll find that the impact on your pay packet is less than you would expect.  So for instance if you were on a wage of $70,000, and you salary sacrificed $500 to super, your take home pay would reduce by around $350, not the full $500 amount. This points to why the First Home Super Saver Scheme makes sense.  It’s all about the tax! When your salary sacrifice contribution arrives at your super fund, it will be taxed at 15%.  So taking the $500 example earlier, after tax is deducted $425 hits your super fund.  But as mentioned earlier, had you instead taken this money as normal take home pay, you would have only got $350 in your pocket, so $425 going into your super fund is a good win. Let’s look at some of the parameters around the scheme. Firstly, the maximum that you can withdraw from the scheme is $30,000 plus the earnings on those funds. The maximum amount that you can have released from a single years contributions is $15,000.  So in other words, in order to get the maximum out, you’d need to contribute for at least 2 years. Also, the normal superannuation contributions limits apply.  The most anyone can contribute to super in pre-tax/concessional contributions is $25,000, and this includes what your employer puts in.  So you might want to save $15,000 in a particular year into super to use in this new scheme, but if your employer already puts in more than $10,000, then you simply don’t have the head room within the contribution caps to be able to do this. When you then withdraw these savings, they will be taxed at your marginal tax rate, less a 30% tax offset.  This bit is confusing at first blush and will catch some people by surprise.  It exists to provide equity in the scheme.  Most people with access to this scheme will pay tax at around 30%, and so any tax applicable at withdrawal will be pretty minimal.  But of course the scheme is open to anyone, even someone earnings several hundred thousand dollars a year, so this mechanism is designed to ensure that higher income earners don’t get a disproportionate benefit from the scheme. I guess the takeaway is just to recognise that when you withdraw, it may be that some tax is deducted.  Rest assured though that where this is the case, you will still have been better off than had you saved the equivalent amount outside of the scheme, assuming earnings rates were the same. It’s also worth noting that you don’t need a new or separate super account for this scheme, nor do you need to tell your super fund that the contributions you are making are for this purpose. The actual mechanism for withdrawing your funds is a little unclear at this point as it hasn’t happened yet.  The tax office is responsible for approving the withdrawal. So either you will apply to the ATO to withdraw the funds, and then when they are satisfied that you are eligible, they will send instructions to your super fund to release the money, OR you will apply to your super fund, who will then go to the ATO for approval to release the money.  The process will become clear later this year once it becomes relevant. The contribution limits apply to an individual, so couples will be able to get twice the benefit if they have the capacity to contribute. Also, it’s probably stating the obvious, but this scheme works by saving you tax.  If you don’t pay any tax, or very little, then there’s likely to be little benefit in the First Home Super Saver Scheme for you.  As a rough guide, I’d imagine it would only be relevant for those earning at least $30,000 per year. So should you care about the First Home Super Saver Scheme?  Well if you’re trying to save a deposit for a home, and earn more than $30,000 per year, then I would say yes. You will save on tax, relative to building up your savings in a normal bank account or investment, and that means more funds available for your first home deposit. The government estimates the scheme will cost the budget $250million in forgone tax revenue over 4 years.  So for those who can use it, why not claim your fair share of that booty?   Click here to get the toolkit   In the toolkit for this episode, we’ve summarised the key elements of the First Home Super Saver Scheme and we have a link to a great calculator that will tell you the gain to be made depending on what your income is, and how much you salary sacrifice.  It tells you the per year benefit and the result over 3 years of saving.  It’s really easy to use and it’s great to really quantify the value of this strategy, so go to the financialautonomy.com.au web site, go to the toolkits page, and download that. Important Information: This information is of a general nature only and has been prepared without taking into account your particular financial needs, circumstances and objectives. While every effort has been made to ensure the accuracy of the information, it is not guaranteed. You should obtain professional advice before acting on the information contained in this publication.

The team run over all the details of the recently introduced First home super saver scheme, plus the Downsizer contributions scheme.

EP015 - eBags co-founder Peter Cobb, Google SERPs and Amazon Peter Cobb, co-founder of eBags and e-commerce pioneer shares his insight and learnings from 17 years of growing a profitable pure-play e-commerce site Our discussion includes, the founding of ebags, shop.org, the future of pure-plays e-commerce sites, brands going direct, private label and the evolution of mobile. Google has made changes to it's SERPs which will effect many e-commerce sites. Amazon opened it's 11 fulfillment center in the UK / Amazon increased FBA prices Amazon raises shipping threshold for non-prime to $49 Amazon private label apparel is already live (Franklin & Freeman, Franklin Tailored, James & Erin, Lark & Ro, North Eleven, Scout + Ro and Society New York) http://retailgeek.com/podcast Join your hosts Jason "Retailgeek" Goldberg, SVP Commerce & Content at Razorfish, and Scot Wingo, Founder and Executive Chairman of Channel Advisor as they discuss the latest news and trends in the world of e-commerce and digital shopper marketing. Full Transcript: Announcer: Welcome to the Jason and Scot Show, your source for the latest news and trends in the ecommerce industry, featuring host Jason Retail Geek Goldberg, SVP of Commerce at Razorfish, and Scot Wingo, founder and Executive Chairman of Channel Advisor.     Here is Jason and Scot.   Jason Goldberg: Welcome to the Jason and Scot Show! This is episode 15, being recorded on February 23rd, 2016. I'm your host, Jason Retail Geek Goldberg, and as always, I'm here with your cohost, Scot Wingo.   Scot Wingo: Hey Jason, how are you doing?   Jason Goldberg: I am doing terrific. I am out here in beautiful Palm Desert for the eTail West trade show.   Scot Wingo: Awesome! I could not make it. We have a lot of folks at Channel Advisor out there. Give me some highlights.   Jason Goldberg: Yeah. A bunch of interesting speakers. The CEO from Barnes and Noble, CEO from US Auto, there's a great presentation from Lane Bryant. One trend that we've talked about a little bit on this show that kind of rubbed me the wrong way is always the case in these shows. There's a lot of conversation about Amazon as the great enemy and how folks can compete with Amazon. There's guys up on stage suggesting that we all move off of AWS, because that's somehow going to make them less competitive with us.     Frankly, I felt like I heard from multiple CEOs at this show that tried to put Amazon in this pigeonhole of primarily being a dominant price competitor and their only competitive advantage is price. Therefore, their solution to competing with Amazon is to compete on customer experience or customer satisfaction or curation, or all these other things. As I'm hearing those things, I want to throw something at the stage because I feel like that's way oversimplifying how significant a competitor Amazon is. I feel like they're excellent at a lot of categories of business that the CEOs are taking for granted.   Scot Wingo: Yeah. Yeah, I run into that a lot. A lot of people feel like, sure, Amazon does compete on price, but what about the shipping infrastructure? The other one I don't think people bring up enough is selection. Amazon has over 400 million items available. I would challenge any of those CEOs to kind of think about that, and how do you deal with that level of selection, because if you want it, pretty much Amazon's going to have it.   Jason Goldberg: Yep. Frankly, I don't think they do exclusively compete on price. I think they're very strategic about price, and they compete on price when it's in their economic interest to do so. They recapture margin when the opportunity presents itself, and I think we have a couple news items this week that sort of highlight that.   Scot Wingo: Yeah, absolutely. What else is new at eTail?   Jason Goldberg: One thing I did want to mention, not necessarily eTail news, getting a bunch of buzz this week is that Google has made some pretty fundamental changes to the search results. This will probably not come as a surprise to any of our listeners, but Google is still a very significant source of traffic to most ecommerce sites. Most ecommerce sites are getting in the ... Mid-20% of all their revenue is coming from organic search results in Google.     This week, they announced that they would stop showing ads on the right hand side of the search results. Superficially, you'd read that and go, "Oh, they're decluttering the page, they already didn't have ads on their mobile page. That's not necessarily a bad thing." By the way, we're also going to add a fourth ad on top of the search results for highly commercial terms. Traditionally, they would put up to three ads on top, and then they'd put a few ads beside. Now what they're saying is, they'll have three or four ads on top, they'll have no traditional pay-per-click ads on the side, but they will still have the Google product listing ads, which we've talked about on the show are kind of the fundamental ads unit of ecommerce.     You add all that up, and essentially what they're saying is, "We're adding more ads and we're making them more prominent on the page," and on many popular browser resolutions, four ads on top means you actually won't see an organic result above the fold. This is potentially alarming news for some folks that rely on organic traffic. I'm not sure it's an earth-changing thing in and of itself, but it's definitely something to be aware of.     The one-two punch is that Google also gave us a hint last week that they really don't like cluttering up the search results with too many what we call "rich snippets." Rich snippets are another super important feature to ecommerce sites. That's the visual stars that you might see on a product result that shows you what your rating is or pricing information or inventory information. Some of these extra pieces of information that you can embed in your product detail pages and then Google shows in the search results, when those extra bits of information show up, the click-through rate on that search result is much higher, so ecommerce sites are really careful to take advantage of all those rich snip features. Google has always decided how frequently to show it. It seems like they're turning down the amount of rich snippets they show quite a bit.     Most alarmingly, the review, the number of stars, has disappeared off a very significant number of organic search results in Google. Some people are frankly speculating that it's a mistake or a bug, and that Google didn't intend to be so drastic, because it is so prominent, but at the moment, the organic search results are getting pushed further down the page and the rich snippets are coming off of the page, which means that a lot of ecommerce sites are going to see a meaningful decrease in their organic search traffic.   Scot Wingo: Just so listeners understand, how much do you think this really kind of is going to impact? Because we've kind of crossed over the 50% mobile. Mobile didn't already have, doesn't do four ads to the right. Is it more just the snippets will be on mobile?   Jason Goldberg: Yep. The snippets absolutely fit both. The rating snippets are huge. Traditionally, you'd see, like, 70% of all the click-through are going to be on that first organic result, and then it exponentially goes down after each additional result. If the second result has rich snippets and the first result doesn't, the second result can actually get more click-through than the first. That's a significant driver of click-through, and if they're going to permanently turn off those stars, that's going to be a game changer, especially for sites that really rely on organic traffic. The site you immediately think of that this would have a prominent derogatory effect on is someone like an eBay.   Scot Wingo: Yeah. Yeah, they've been in this kind of battle with eBay for a while, so it would not surprise me.     I know you always love to hear Amazon news, so I have a couple things there to share. If you're Retail Geek, I'm the Amazon Fulfillment Center Geek, and they slipped in a little announcement this week that they're building a smallish, only a million square foot fulfillment center in the UK. It's in Colville and Leicestershire. Along this lines where they're talking about job creations around fulfillment centers, they announced they're going to have 500 jobs over three years there. A fun fact, this is the 11th fulfillment center in the UK, which is about the same number of fulfillment centers that Walmart has in the US. They're very dense in the UK with fulfillment centers.     What's interesting is most of the things they've done in the UK recently have been kind of for deploying into London. Some of its Prime Now type stuff, or same-day delivery. This is a big new footprint for the UK.     Also in fulfillment center news, and this didn't get a lot of press, so I don't know how well this is known out there. The only area I am aware of where Amazon raises prices, everything else Amazon does lowers prices, especially if you do Amazon web services and that kind of thing, is Fulfillment by Amazon. Even in the marketplace, they haven't really changed the prices since the beginning of time, I think. With FBA, what they constantly do is kind of tweak the economics. There's a couple pieces in there. One of them is the per-package fee that they charge for FBA. It's going to have an increase from, I think it's $0.30 to $1.07, and on average, it looks like, from a model I've seen, it'll be about $0.45 an item increase.     That's one of the fees. The other one is called a storage fee. If you have inventory at FBA, it doesn't sell after x days, I think it's 30, then you get kind of the stump where they take the dimension of the volume of what they're storing for you and have a fee. That's going up. It's pennies, it's like $0.02 to $0.04, but that's kind of times the volume that you have. That's another one where they're constantly working the economic model to incent sellers to have the right behavior of focusing on faster-moving items that are in FBA. That's interesting.     As a result of that and some comments that have kind of come out in management meetings, what I've seen a couple Wall Street analysts do is raise their fulfillment center buildout this year from kind of middle single digits like seven to kind of mid-double digits like 15. It's going to be interesting to see how that comes out. We already have ... This UK one, I believe, is the first one that's been announced this year, so it'll be interesting to see what that looks like.     Another thing I'm sure you probably saw is, for those people that aren't on Prime, you can still get the free shipping. It's not two-day shipping, but the free Super Saver five-day shipping. They raised that from $39 to $99, now. Then, the last-   Jason Goldberg: You mean $49?   Scot Wingo: Yeah, sorry. $49.     The last piece was, we had talked about this last week, actually. This is kind of how fast Amazon moves, where there was news that Amazon may be considering doing private label in fashion. It turns out they are actually out with it. They have some fashion private label brands out there, and they're kind of a mouthful. Let me see if I can do this without stumbling through it. Franklin and Freeman, Franklin Tailored, James & Erin, Lark & Ro, North Eleven, Scout + Row, and Society New York. What is that? One, two, three, four, five, six, seven. Seven different private label brands. Some of these are men's apparel, some women's apparel. Very interesting that there was rumors they were going to do this, and now it's actually out there. You can search, we'll put it in the tidbits on the website. You can actually go search these brands and see what's available there, which I thought was pretty interesting.   Jason Goldberg: Yeah. I think that was a pretty big revelation to a lot of folks that were following the rumors that they might do it, and then, you know, bam, surprise, there's already a ton of skews on the site a lot. I look across all that Amazon news, and my two big takeaways are number one, raising the shipping threshold is interesting. Amazon shipping costs are a very meaningful portion of their business, they're like 12% of their revenue, and so it certainly looks like they're trying to make a profitability move by recovering a little more shipping fees. The big thing is, this just seems like another very overt effort to push more people to Prime, and I suspect it's going to be effective in doing that.     Raising the rates on the FBA is interesting. To me, that's inevitable, that as Amazon grows its business and has more strain on those fulfillment centers, that shelf space becomes more valuable. They just need to charge more to maximize it. I think if you're a seller, you probably shouldn't expect this to be the last increase that you see there.   Scot Wingo: Yet when I talk to customers, it's still very, very competitive to any other 3PL. Even when you kind of look at a multi-year model, you have to kind of look at it over two or three years because of the accounting. It ends up being relatively cheap compared to having your own fulfillment center.   Jason Goldberg: Yep, and you get the huge kiss of being Amazon Prime-eligible.   Scot Wingo: Yeah, and as they do Prime now and whatever else they're going to do around all these things, you ride along with all that investment, which is ... I don't know how you quantify that, but it's a pretty good value.   Jason Goldberg: Yeah. I think the one exception I've heard there is if you're in a category that's predominantly oversized or unusual-sized items, that the economics get a little more challenging on FBA because they've really optimized the pricing model for their typical package size.   Scot Wingo: Yeah, that drayage fee, because it's volumetric, really hits you hard with oversized items. Yeah, absolutely.   Jason Goldberg: Did Etsy have their earnings call this week?   Scot Wingo: They did. It was actually today. A couple highlights out of the call ... Etsy went public and had a great public offering, and then has really struggled since then. A lot of it was mobile. They had a huge challenge when mobile kind of accelerated right around their IPO. It was kind of like Facebook had the same problem, but Facebook recovered pretty quickly. It looks like Etsy is seeing the light in the tunnel. They had pretty strong results. They exceeded expectations. Then they actually came out and said, "For the next three years, we're going to have 20-25% growth," so kind of pounding their chest, feeling pretty good about the future. I think a lot of it is around ... I think they feel like they've solved some of their mobile challenges.     A couple of other interesting metrics: 1.6 million sellers. I think that's interesting, because Amazon reports 2 million sellers. Etsy definitely has more seller density than in Amazon, but because it's handmade, you would need that, right, because you can only handmake so many things. I thought that was interesting. 24 million active buyers. The Amazon question did come up on the call, and the CEO said that, "We" ... By this, I mean Amazon has launched a competing category and seems to have Etsy in their crosshairs. The CEO at Etsy said, "We have no reason to believe that any of the competitors are having an impact on us." For the 4th quarter, Etsy had $750 million in GMV, which, when you look at the run rate, that was a Q4, so it's not pretty fair to really do this, it's not going to be their run rate forever, but it's interesting to think that they're at about a $3 billion run rate.     I remember in the early days of Etsy, everyone in ecommerce was kind of like, "God, what a niche. This handmade stuff, maybe that gets to be $50 million." It really kind of shows ... I think what's interesting about Etsy is, some of these things that seem like niches and they're going to be really small, when you look at them on a global basis, they can be pretty big. $3 billion in homemade items, that blows me away, and they're anticipating it growing 20-25% for the next three years. They see a path to $4 billion or $5 billion, which I think's pretty fascinating.   Jason Goldberg: It's almost like pure play is not really in fact dead.   Scot Wingo: Yeah, yeah, yeah. That's a good little kind of teaser for what's coming next.   Jason Goldberg: Well, let's get to the really exciting news. We have a guest today.   Scot Wingo: That is true. It's episode 15, we're really settled in here at the Jason and Scot Show, so we thought we'd do something you and I had talked about way before episode 1, which was have a special guest. I think it's going to be a new tradition here on the Jason and Scot Show if it goes well, and I'm sure it will. I'm thinking every third show or so, we'll have a special guest to kind of help mix it up.     Today, we're really excited to have as our first guest ... I don't want to put it out there yet, I'm going to build some suspense. This is someone I've known probably for at least 12 if not 14 years. He's one of the founding fathers of ecommerce. If there was a Thomas Jefferson or maybe Alexander Hamilton of ecommerce, that's who we have on the show today. It's kind of a privilege to have someone that has been in the industry for so long but is still right on the cutting edge. He started a company back in '98 that is one of the successful pure plays that's out there.     If you haven't guessed yet, it is Peter Cobb from eBags. Welcome, Peter.   Peter Cobb: Hey Scot, hey Jason. Thanks for inviting me. You guys are doing a great job.   Scot Wingo: Thanks. We're super excited to have you here. I tried to keep your intro kind of brief. To start out with, maybe tell us a little bit about how you got into ecommerce. You're at eBags still and you've had an interesting journey there, so maybe a little highlight of that. Let's just start with that, just to orient everyone that hasn't known you for 15 years, on how you got into the industry and what you do on a daily basis.   Peter Cobb: Yeah. Back in 1998, well, prior to that, there were a couple of us that worked at Samsonite. I led the marketing for Samsonite, and a couple of us execs at Samsonite saw what was going on with people buying books online, music, gardening equipment, toys, etc. We just said somebody is going to own and pioneer the category that we knew so much and love, and that's luggage and handbags and backpacks, business cases, etc. We peeled off from Samsonite in 1998.     Actually, kind of took the idea of my cofounder, John Nordmark. John took the idea to the president of Samsonite and said, "Hey, why don't we buy some domains, discountluggage.com, and so forth?" Back then, you could just make up a domain and you could buy it. We owned about 25, actually. The president of Samsonite said, "I get email, I can't imagine anybody buying luggage from an email. Go back to your cubicle." John called me up and said, "Let's do this. I think it's ripe," and both of us were into the internet and watching what was going on. That was in 1998.     We pulled it together. It was our own money for the first six months or so, and then we actually went the traditional route with angels and to friends and family, and raised some money from Silicon Valley and raised $30 million in 1999. That's the last time that we've raised money. We haven't had any down rounds since then. It's been cashflow positive, really, since 2002.   Scot Wingo: Cool. That's around the time when Amazon did their IPO. They were in '97, if I recall. Was that kind of an impetus for you? Was that kind of the wake-up where you said, "Hey, we need to do something. There's this bookstore going public. This is kind of going to be a thing."   Peter Cobb: Well, you know, I was just explaining to somebody at eBags today about the early days. There was cooking.com, garden.com, mothernature.com, and Amazon was there. Amazon's really the only one that's alive today. eToys. Really just kind of across the board, we just looked at it. Back then, Amazon was just books. We felt like in our space, right out of the gate ... Our model is somewhat unique from a lot of these guys in that we don't want to own product. Our model is drop ship. We knew at Samsonite, who's the global luggage leader, at Samsonite, 75% of our orders out the door were three pieces or less. Somebody owns a piece of luggage at Aspen Luggage, they sell a garment bag. We were selling them one piece at a time from Samsonite.     We convinced Samsonite and many other brands to ship directly to our customers. Took a little bit of time and some arm-twisting, but here we are today with 70,000 different bags and accessory items from 700 brands. Obviously, from a cashflow model, and that's primary to why we're alive today, is somebody buys on eBags.com, we get the cash immediately from the credit card, and pay our brands. It could be 45 days, 60 days, 90 days, whatever's negotiated. You get positive flow versus having a warehouse, and you imagine a warehouse with 70,000 individual units, but then you need to go 105, 100,000 deep on each. It would be $100 million of inventory we'd have to keep, and we wouldn't be alive today. That was really one of the key decisions early on. We were one of the first to drop ship, and actually, it isn't that common. You have marketplaces today which accomplish the same thing.   Scot Wingo: You guys start a company, you raise money, it's all exciting, you're driving into the future, and then the dotcom bubble burst. What was that like? I lived through it, and it was quite painful. I can only imagine what it was like for you guys. What I recall is people are going out of business left and right. Pets.com and all these other things were just flaming out. You guys not only survived but thrived. What was that like, getting through that nuclear winter?   Peter Cobb: It was brutal. It was really tough, because one side of you is saying we're homesteading, we need to claim our territory. Back then, portals were so big, and somebody like AOL could commit $1 million for something the size of a postage stamp, but you would own luggage or handbags on AOL and you just had to occupy that space because so many people came through some of those old portals. You did burn through cash.     Not only was it dotbomb, but for us, what really hurt, I think even more than dotbomb or as much, was the 9/11 tragedy. Just didn't have a lot of people traveling after that. We all were cocooning. Of course, they shut down airlines, and people just said, "You know what? I'm just going to stay home for a while." That really hurt our sales. From a positive standpoint, it really highlighted the fact that we need to diversify. We cannot survive by just being a luggage or even travel goods company. That got us into backpacks for school, women's handbags, fashion accessories, and watches is a big category for us now ... Branch out in business cases and business accessories.     In a way, it kind of poked us a little bit to say, "Okay, you're thinking too narrowly here." It's been an amazing 17 years, and in fact, just last week, we announced we passed 25 million bags sold, which is really a nice accomplishment. We're really proud of that, because if that was a chain of stores, it'd be hundreds of stores nationwide that do that kind of business.   Scot Wingo: For our listeners, can you give us a little idea of the scale of eBags? I don't want you to divulge any confidential information, but maybe your IR rank or whatever you're comfortable letting us know. How big is the scale of eBags at this point?   Peter Cobb: Yeah. We're 110 people, and as I said, 25 million bags. I mean, something that I'm just as proud of is that we have 3.2 million customer reviews, so it's a big part of the DNA of eBags.com, of leaving that virtual Post-It note. From the IR, we're in that kind of 100-150 range, kind of depending on the year, but we are a pure play, which is a critical part of this. We don't have stores to get that PR and help offset some of the expenses. We don't get traffic in the door, we don't eat. It's a constant survival for us.     We just had a meeting today with our executive team, and the primary message was, "We need to stay hungry, we need to be paranoid." This thing can change. You mentioned it, Scot, early. There are things that can happen that are out of our control that can pop up. Cash for us, cash is king. We have no debt. We don't plan on raising any more money. We've got to really live within our means. There's a lot of people out there doing some crazy things from a marketing standpoint, or willing to lose tens, if not hundreds, of millions of dollars. That's an area where we're just ... I actually love it, and we bring people on that accept that challenge and relish it. It's pretty competitive right now.     Like you mentioned, I could have said that in any of the past 18 years.   Jason Goldberg: Peter, I wanted to ask you a question. You mentioned that you're a pure play, and you've been a pure play for more than 15 years. It's interesting, because a lot of the talk today is pretty negative on pure plays. I mean, you've got Scott Gallaway at L2, and he's got a whole campaign around "Rest in Peace, Pure Play," and you've got a bunch of these buzzy new companies like Warby Parker or Bonobos or Nasty Gal or, even I think Blue Nile now is opening some stores. It's a big trend that these pure plays are now shifting to stores. Then, of course, you have a couple of huge pure plays that flamed out. You have the fab.com and Gilt just sold for a disappointing valuation.     I think there's this buzz that, "Hey, pure play isn't a long term sustainable model, or maybe it used to be, and its time has come." It always drives me nuts when I hear that, because I feel like you're the best example, but there's a bunch of people in your class that are long time pure plays that have been able to grow based on their own revenues. I'm just curious, what's your take on the whole viability of the pure play model?   Peter Cobb: Well, obviously with what we do, it depends ... Honestly, it depends on the category, it depends on products, it depends on factors such as ... We're fortunate in that for the most part, people don't need to try it on. It's a piece of luggage, it's a kid's backpack, it's a soccer bag, on and on and on. Our return rate is very low. Really, I think it lays out well for us to be a pure play in that we really feel like we want to be ... I mean, to have 70,000 bags and accessories on our site, and we'll probably pass 100,000 products in the next 120 days, and venture out into even doubling that in the next year or two. We really feel like we want to be a house of brands, as well as something ... For us, it's travel and fashion. If you want a bag or something related to travel and the travel experience, go to eBags.     No store can have the assortment and selection that we have. Picking a brand, one of our better brands is Tumi. It's a premium luggage and business case line. We'll carry 500-plus pieces of Tumi, and a typical store, because a physical space in luggage or business cases, they may carry ten pieces of Tumi, maybe 15, if they're lucky, and we have over 500. That's where we love where we are in the space. It lines up quite well, I think, for long-term viability. There's really no store out there ... I mean, obviously you've got the bookseller in Seattle that does a great job. They've got a broad and vast assortment, but for what we do in our category, there's a lot of brands, actually, that don't want to go down that path, let's just say the marketplace path. We demonstrate to them that we're a specialty store interested in travel and fashion, and that really resonates, especially with brick and mortar having some challenging times right now.     The last thing I'll say is, within our space, retail is still around 10% online, so 90% brick and mortar, and yet, you have stores closing every month in our category. I think it's only going to accelerate. We really love where we're positioned, and I think a lot of categories can say the same thing. To your point, Jason, on a brick and mortar, it just isn't ... You have to really focus on something, and focus on something that you're excellent at. I don't think brick and mortar is an area for us today that we should be venturing into. I think there's so many other opportunities out there within the ecosystem of what we're already working on.   Scot Wingo: Cool. One follow-up on the pure play thing. Amazon's invested hundreds of millions of dollars, if not billions of dollars, in their fulfillment center, and you guys don't have a fulfillment center. Does it ever feel like doing the drop ship thing, that you don't have control over that customer experience, and that's a negative?   Peter Cobb: You know, I think it gets down to are you getting products to people in a timely manner. With our, we have 700 brands, as I mentioned, the average product leaves that door in 0.7 days. Within a day, our goods are out the door. We actually spent some time ... One of our board members did a tour of Zappos, and came back ... At the time, it was 17 football fields, 800 employees, and came back and said, "It's unbelievable what they have. We should move to that model." I remember in the board meeting saying, "What would we gain? It already goes out the door in six hours. Okay, so, we would gain maybe two hours, if we're really, really good."     For us, that part of it ... I think that's the primary part of this. The other part of it is, a lot of our products, they actually are shipped from Asia in the boxes that gets delivered to the customer. In a lot of cases, just thinking in a piece of luggage, we just put a label on it, our brands do, and then ship it to the customer. It's in a box that may say Tumi, Samsonite, or Delsey. That experience is ... It probably could be better to your point, Scot, but I think we just have to make some choices and go that route.     Now, that being said, I will say our number one brand on our site is actually our own private label brand at eBags. It's 24% of units and 20% of revenue. It's unbelievable. I mean, we're product guys when we started eBags. That's what we did at Samsonite, and we just love product and we just have really told the team, "Make product that you would want to carry." Actually, right as we started the business, we got into it, so it's not like it's the last couple years. In a lot of ways, it's really built out this competitive mode. That's a big reason why we're as profitable as we are and that we have some kind of staying power within the space.   Scot Wingo: That's good to hear, because Jason and I both get asked by a lot of what I would call multi-brand retailers, in other words, like a Macy's or something that doesn't really have their own brands, what one of the best strategies they can do. I always go back to private label. Earlier in the show, in the news segment, we talked about some of the stuff Amazon's doing there. It's interesting to hear that that's such a large part of what you guys are doing.     Unsponsored ad here. I love the cubes, the packing cubes you guys do. My wife loves to organize, and she's a huge fan of the eBags packing system there.     One other thing I just wanted to kind of introduce. You introduced me to shop.org. I had been going to the summit, and really enjoying the summit. When I was earlier in ecommerce, though, I didn't really kind of understand that there's an organization behind the summit that we all go to in the fall. You introduced me to that, and you were one of the early folks there. All three of us are on the board there. We'd love to hear how you got involved with shop.org, and how you describe it to folks.   Peter Cobb: Yeah. It's ... You know, this industry that we're in, online retail and digital retail and so forth, it is made up of some amazing people, of some amazingly bright people. It's also, we're undergoing so many challenges, and it's changing so fast. You were talking about chat commerce and even now with what's going on with Facebook Messenger and Snapchat and so forth. Sometimes you need a network of people that you can reach out to to compare notes and share stories and really pick their brain. We're really good at drop shipping, so I'll field some calls from people interested in getting into drop shipping. Other people maybe have more expertise in social media marketing or some other areas.     The thing about shop.org, it's really a trade association made up of a community of people within the digital retail space that gets together several times a year, but also shop.org provides thought leadership pieces, whether it's a think tank, white papers, research, several conferences ... Also works on behalf of retail as part of National Retail Federation, NRF, as a team in Washington DC, working on issues important to all of retail, not only digital, with things like trying to promote legislation to limit patent trolls and things like that.     The big part of it is providing a space where you can learn from others but also network, and, as always happens, you end up developing pretty strong friendships as well, which makes it even more enjoyable.   Jason Goldberg: I'm the new guy amongst the three of us, I think, at shop.org, but I would just absolutely echo that one of my favorite parts is the camaraderie and the opportunity to network and share in an adult beverage with folks that face a lot of the same challenges and opportunities every day that we do. Inevitably, when you get together with other ecommerce folks and you start having conversations, the topics pretty quickly turn to the things that are keeping you up at night or the new trends that you're most excited about in terms of upcoming opportunities. I wanted to ask what was kind of front and foremost in your mind right now, in terms of new trends or new challenges in the ecommerce space?   Peter Cobb: Well, I think a challenge that all of us are facing, and I know we're all getting our arms around it, but it is a challenge, and that's the move towards mobile and smartphones. It's not a surprise. We all use them in our personal life. I think retail, frankly, was caught flatfooted. You have OpenTable and Uber and so many other apps that were built for the smartphone, and I think with retail ... I mean, two years ago, our traffic would have been single digits coming in on smartphones. You knew it was coming, the wave was coming, but there's just so many other things popping that you need to put your resources towards. We're really actually really happy with our mobile experience, but it's kind of one of those ... You just need to continue to invest and spend the resources, and when you think you've got it figured out, something else comes along.     Right now, a great example is, the big obstacle in mobile is payments. Credit card and so forth. Obviously, Paypal is a great provider helping with mobile. It's a big part of our mobile efforts, but there's other wallets popping up, Chase Pay and Masterpass and Visa, etc. I know you guys have talked about that in the past. That's a big challenge, of, okay, who do you partner with, where do you play on a mobile device, how does that all work when you only have so much space and so much real estate?     I think with mobile is, I know in the past, you guys have talked about average conversion rates, and if you just said a PC is 3% or 4%, and tablets 2.5-3%, and mobile is 1%, if not 1.5% ... You know, as your traffic continues to grow towards mobile, and it could be up 50%, 60% year over year, well, that means your weighted average conversion rates are under some pressure. A lot of times, you think about 100 people come into your site and only one or two purchasing. Well, with whether that's Google or Facebook or whatever affiliate partner you have, that's pretty expensive traffic, if you're only getting a 2% conversion. That's a huge challenge that I think a lot of people are facing.     The other part of that that people don't talk about is that usually, you know, on a PC, we'll get 1.5 units per order, and on mobile, it's really kind of one and done. It's about 1.1. You have your average basket size lower, so conversion rate's lower, basket size lower. You really need to just kind of think through how to optimize mobile. I think we're all slowly figuring it out. Our mobile sales ... Actually, our traffic last month up 40%, but our mobile sales are up 70%, so we're going in the right direction, really feel good about it. We always are thinking if we're redesigning parts of the site, it's mobile first, because then PC will all fall behind.     Then, I think another trend that I think is interesting is, you've got brick and mortar as well as brands developing websites, and those are obviously competitors, but I'm going to focus just on the brands. I think an interesting trend is that the brands are realizing, hey, building and maintaining and keeping a website up to speed is not for the faint of heart. It's super-expensive. You need expensive personnel. The whole resource requirements of a brand. I mean, it's one thing for a retailer, they're kind of familiar with the direct marketing model, but for brands that went into it maybe two, three, five, eight years ago, and now are realizing what I was just talking about with mobile and all the resources required, it's really a challenge. Then, they're under pressure for their own brick and mortar stores that many brands bid off. Now they're looking at us and, "Gosh, I got my website, should I update that? Should I send people into my stores? Should I have returns into stores?" I think a lot of retailers as well as brands are really being challenged right now. Those are some key challenges and opportunities I think we all face.   Jason Goldberg: Yeah. Peter, the brands going direct is really interesting, because frankly, a lot of my clients are those brands that either already went direct, or maybe they're in a category of retail that's kind of a digital laggard, and they're just now talking or thinking about going direct.     It's funny, because my opening line is usually, "Hey, you're always going to be the worst place to buy your product. You're not going to have any of the third party accessories or add-on sales that consumers want. You're going to be the only retailer on the planet that perfectly complies with [MAP 00:43:33]. In general, there's a small subset of users that want to buy direct from you, and it certainly makes sense to capitalize on those users, but that you're not going to materially hurt your wholesale partners' business." I'm just curious, from your perspective, is that how you feel? When Tumi goes live and starts selling bags from their own site, which I think they did a couple years ago, did you look at that as, "Oh, a cute effort from Tumi," and maybe it taught Tumi to be a little more sensitive to some of the content issues that make them a better partner for you, or did you feel like that was a material threat to your business?   Peter Cobb: Well, we actually ran Tumi's website for them globally, US, UK, Germany, and Japan, between 2002 and 2010. We had a great eight-year run with Tumi, and then they said, you know, as it was growing, they said, "You know what? It's time for us to take it on our own." I think even ... it's been a challenge. It really has been a challenge, like a lot of brands. They have to decide, does the website exhibit the brand essence, or are we in this to have ecommerce and generate revenue? There's that continuum they have to decide, and I think for a long time, Tumi kind of came out of the chute and said, "We need to promote the brand Tumi. This is part of going public," and so forth, but then realized, "Gosh, our sales are not nearly as strong as we thought they could be." Plus, building out a global ecommerce effort, multiple countries, and then you've got changing marketing messages in 15 or ten or 20 different sites, languages, marketing messages, all the same night, it's pretty challenging to do that for somebody like a brand like Tumi.     To your original question, we just think of that as, "Hey. Tumi's going to get into it," or Samsonite, or so forth. Sure enough, I know they're great partners of ours, and we actually talked to them about some of the challenges. I know they're scratching their heads just like some others say. By the way, this was something, especially when you're talking about global websites, it's something that's pretty challenging for them. I think in a lot of cases, they end up, somebody at the top ends up saying, "You know what? We need to go back to making great product and not pretend we're a technology company." Then they call you, Jason.   Jason Goldberg: We're more than happy to pretend to be a technology company on their behalf!   Peter Cobb: Exactly.   Scot Wingo: Cool. We're up against time, but I have two kind of lightning round questions to ask you. One of the things that's fun about ecommerce is there's always some weird thing that you would have never guessed. For example, when we look at our data, we always see these weird correlations between people buying things that you would never think those would go together. Any insights like that, like from your time at eBags, of strange insights that you've found of consumer behavior?   Peter Cobb: You know, I think ... There's something happening now which is, I think, pretty interesting, in that the power brands are not doing as well as one might think. What I mean by that is, think about anchor store brands, brands you would find in a Macy's, Nordstrom, Bloomingdale's, etc., are really, I think, undergoing some pressure. You've seen it in the designer handbag category with Michael Kors and Coach posting some numbers which were pretty challenging over the last three to five years. What happens, then, is you've got ... The thing that I love about it is, you've got kind of these small brands that, given the light of day, actually do really well. On our site, it could be Osprey backpacks, Fall Raven backpacks. Very cool products that now then we can show to the world of, "Hey, you probably wouldn't know where to find this in Chicago or LA or San Francisco, but you can click a button and have this sent directly to you."   Scot Wingo: Cool. We call it, on the Jason and Scot Show, we call it "the hoverboard effect," kind of the disimportanting of brands. One last one, and I know this is hard to answer quickly. You don't survive 17 years in business without really investing a lot in the culture of your business. I've been to eBags and seen ... You invest personally a lot of your time as a founder into the culture of the company. If there's listeners out there, and maybe they're an entrepreneur or an intrapreneur, any quick tips on how you keep that culture and calcify it and all that kind of thing?   Peter Cobb: Well, I think it starts with once you lock into a solid business model, then you hire great people, don't skimp on people. It's all about getting people that have a history of success, and then letting them run with, of course, guidelines. I think on our end, we were super transparent, we reveal all P and L, we reveal cash on a monthly basis and say, "Look, we're all in this together." Every employee gets stock ownership in the company, so we're all owners, and we think in terms of, "Treat the customer as you would want to be treated." You know, we just have things, too, I mean, a lot of people do, with dogs in the office and things like that, but just really making it a great place to work and making it fun. We're there for ten, 12 hours a day in a lot of cases, and just having it be ... Have it be a place that is fun. Not so serious, but people that are willing to work hard and have fantastic teamwork. You just have to make it fun for people, otherwise there's a lot of other options out there in the world.   Jason Goldberg: Very cool, Peter. I know you're based in Denver, Colorado. Is it safe to say you're always on the lookout for great ecommerce talent?   Peter Cobb: Absolutely. It's really challenging, I think, finding over-the-top talent. I think it's one of the biggest challenges. It is not necessarily somebody that gets straight A's in school. It's why I even talked about a history of success, of doing things that maybe are not right down the fairway all the time. It's okay to be a little bit quirky, because we're doing things that people have never done before in this space. You need people willing to take risks. You can't slap the wrists if they fail. They fail a second, third, fourth time, yeah, absolutely you need to sit people down, but you want people that are willing to get out there and make a calculated risk.   Jason Goldberg: That makes perfect sense, Peter. Listen, that is all the time we have for today, but I want to remind everyone that our guest today has been Peter Cobb, who is one of the co-founders of eBags. You can follow him on Twitter. I think your Twitter handle is @PeterCobb, C-O-B-B.     With that, I will say until next week, happy shopping and thanks very much to all our listeners.   Scot Wingo: Thanks Peter. Thanks, everyone.   Announcer: You've been listening to the Jason and Scot Show. For all the latest news and trends on ecommerce and shopper marketing, subscribe to us in iTunes and please leave a review.  

Happy 2016 to all of you retirement interested folks out there, this is Roger Whitney, and in these parts I’m known as The Retirement Answer Man. I do a podcast each week to help you think about, plan for, and maximize your retirement years so that you can enjoy life, live to the fullest, and be the greatest blessing you can be to the world. I’ve got another great episode of the show today, including a short chat about the various interest rates that impact you and your monthly budget, a conversation with two friends of mine from the Stacking Benjamin’s website team about how you can save 50% of your income, AND the latest news on my upcoming Retirement Plan live event. Be sure to listen, there’s lots of good stuff in store.   Retirement Plan Live starts next week!   If you haven’t heard, you need to know: Beginning last year I created an annual “Retirement Plan Live” event that is aimed at helping you see how a professional retirement planner like me goes about helping an average Joe like you, plan for and execute a retirement plan. It’s packed full of all kinds of insights I can’t even begin to describe here. But in addition to all that goodness, you can plan alongside us using a ton of free resources that I’m providing for this year’s event. If you’d like to sign up to “plan along” with me and my RPL participants this year, listen to this episode to get the details on how you can do that.   The FED raised interest rates. So which rate are they talking about?   A few weeks ago the Federal Reserve Bank raised interest rates after a very long time of not touching them. That step is all abuzz in the news lately, but I wonder, do you know what rate it is they’re talking about and how it impacts you and your money? On this episode of The Retirement Answer Man I’m going to walk you through the 3 main rates that affect you, tell you what each of them is, how they impact each other, and what you need to be thinking about in light of this recent rate hike. Sound like something you’d like to know? Then be sure to listen.   Interest rates went up… but not the ones you were hoping for.   Yes, the Federal Reserve did increase the major interest rates a few weeks back, and that means you’ll be seeing higher rates when you want to buy a home, finance a car, or get a credit card. But it DOESN’T necessarily mean that you’ll see the interest rates offered for savings accounts, money markets, or CDs going up anytime soon. Why is that? In this episode of The Retirement Answer Man I’m going to explain that little known business practice to you and fill you in on what you can expect to see happening in savings interest rates over the next few months and years. Sounds crazy, but you could save up to 50% of your income.   The #1 thing most Americans surveyed say they’d like to change about their financial practices is that they’d like to put more of their hard earned cash into savings. That’s no surprise, but what might surprise you is that there is actually a way that you can save as much as 50% of your income each and every month. I know it sounds crazy, but my guests on this episode of the podcast - Kathleen and Joe - from the Stacking Benjamins team are going to fill us in on how their new program, Save50, could help you do exactly that. You won’t believe what you’re hearing, and how simple it really is. Be sure to give this conversation your attention. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN   [0:30] Happy New Year and Happy 100th episode, from Roger! [1:10] Roger’s introduction to this episode and our guests. [1:33] Next week, Retirement Plan live begins: here’s how you can play along! WHAT DOES THAT MEAN? SEGMENT   [4:15] An interest rate primer. [4:49] The 3 basic interest rates and how they can affect you. [5:10] The FED Funds Rate. [6:03] The Prime rate. [7:11] The Libor rate.   HOT TOPIC SEGMENT   [8:34] Why the increase in the Prime rate is important and how it could impact you. [10:38] Why you shouldn’t expect savings rates to go up as a result.   PRACTICAL PLANNING SEGMENT   [11:31] The top financial resolution of most people: Saving more money. [12:42] Why savings is an important component of a retirement plan. [13:10] How to start a super saver program: with Kathleen and Joe of Stacking Benjamins. [14:30] The campaign Joe and Kathleen are working on in 2016! [15:57] How Kathleen discovered she could save half her income. [18:19] How is it even possible for the average person? [20:42] Forgiving yourself for where you are at as the first step. [22:03] Two things to do to take the next step. [27:00] Why there’s only so much “frugaling” you can do. [29:00] The outline of the course. [30:40] How systems and community can make a huge difference. [32:12] What you can do if you’re behind the eight ball on this?   TODAY’S SMART SPRINT SEGMENT   [33:44] Today’s smart sprint: staying off of social media. [34:58] The value of limiting social media time and how you could benefit from it.   THE “BE HAPPY” SEGMENT   [37:01] A TED talk by Dr. Robert Waldinger about a study on adult happiness. [38:20] The 3 discoveries that determined the happiness of the men studied.   RESOURCES MENTIONED IN THIS EPISODE   www.Save50.org - The Save 50 Program   www.StackingBenjamins.com   www.RogerWhitney.com/RPL - Find out more about retirement plan live!   Contact Roger: http://www.rogerwhitney.com/retirementanswers/   Roger’s retirement learning center: www.RogerWhitney.com/learn   The Retirement Answer Man Facebook page: www.Facebook.com/RetirementAnswerMan

Jeff is on the Super Saver with Ray of Angel's Shoe Repair! Ray is a repair man of sorts and not just of shoes! Although he has repaired shoes SAME DAY for celebrities. Hear more about his story here!

This is the twentieth day in our 31-Day Money Challenge. Over 31 days we’ll publish 31 podcasts, each designed to help you move closer to financial freedom. Yesterday we looked at how to pick mutual funds to implement an asset allocation plan. In today’s podcast, we explore what it means to become a Super Savor […] The post How to Become a Retirement Super Saver [Interview with Stig Nybo] appeared first on The Dough Roller.

This is FoxPro's time to shine once again. Come to Gilbert, AZ in October for Southwest Fox 2013. As with every year, here is my interview with Doug Hennig, Tamar Granor and Rick Schummer, organizers of the number one FoxPro developer conference in North America. This year, the Super Saver ends on June 30th - and this is their cut-off for a go/no-go on the conference - so if you want to share some of your brightness with other FoxPro Developers, now's the time to do it. Sounds like there's lots of exciting things planned - be sure not to miss it!

Sini Ross with Reed Hagen on the Super Saver

Withrow Ballroom on The Good Time Super Saver 05/03/12

Heimie's Haberdashery

03/13/12

Joe Gillett on Super Saver 03/15/12

Director Matt Hall talks on the Super Saver about their up coming spring show. 03/14/12

Super Saver interview with Joe Gillett

Many who have worked with Clint or have met him in the past likely know that he is a huge fan of horse racing and that it is one of his favorite hobbies outside of healthcare. In lieu of the past weekend's running of the Kentucky Derby, today Clint discusses while he felt strongly, even months ago, that the horse called Super Saver had a very high likelihood of winning this race. In a word, it is teamwork. Like teams in healthcare, when you can put together a team of talented members with clear goals and processes and the ability to be flexible, yet positive and assertive, you have a strong ability to come out a winner in practically any endeavor. Learn how to ensure your team comes up roses!

Green Peace - Super Saver

Green Peace - Super Saver

Green Peace - Super Saver

Green Peace - Super Saver