Podcasts about TL

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Latest podcast episodes about TL

Terminal Value
Who Needs a Stable Job Anyway?

Terminal Value

Play Episode Listen Later Dec 19, 2025 29:54


After an 18-year rise through corporate HR—from recruiter to group president across Canada and the U.S.—Dom walked away from a “safe” executive career to build something on his own terms. In this conversation, we unpack why large organizations quietly trade momentum for bureaucracy, how technology and automation empower lean founders, and why “stability” often comes at the cost of creativity, speed, and meaning.We explore intrapreneurship vs. entrepreneurship, the hidden traps of bloated systems, and how founders can use data, automation, and open APIs to move faster without burning capital. The throughline isn't rebellion—it's agency. Building work that's fun, aligned, and alive again.No anti-corporate rant. Just lived experience, hard trade-offs, and a clear-eyed look at what it really takes to step off the stable path—and thrive.TL;DR* Stability is conditional: Corporate safety disappears the moment priorities shift.* Intrapreneur vs. founder: Big-company success doesn't equal personal leverage.* Tech as leverage: Automation and BI (not hype AI) unlock speed for lean teams.* Systems can trap you: CRMs and ERPs either enable growth—or become prisons.* Innovation dies slowly: Bureaucracy rewards optics over outcomes.* Work-life blend > balance: Fun, purpose-driven work creates sustainability.* Momentum matters: Small teams with clarity outperform slow giants.Memorable lines* “Stability often costs more than risk—you just don't see the bill right away.”* “Big systems don't fail fast. They fail quietly.”* “AI isn't magic—it's leverage if you know what problem you're solving.”* “Careers don't collapse overnight; they stall one approval layer at a time.”* “Fun isn't a perk—it's fuel.”GuestDominic Levesque — HR executive turned founder; CEO of NextWave; author and advisor on leadership, technology, and organizational transformation.

Little Miss Recap
Landman S2:EPS 4&5

Little Miss Recap

Play Episode Listen Later Dec 18, 2025 44:34


Amye and Becca are back to talk about the oil industry! We recap and review Landman S2:EPS 4&5In episode 4, Dancing Rainbows: Tommy and the Norris family gather for his mother's funeral. We learn about Tommy's mom and it's not good.In episode 5, The Pirate Dinner: Tommy runs around putting out fires and Angela prepares a pirate-themed dinner for TL.For ad-free and BONUS episodes, please support the show by signing up for Little Miss Recap PREMIUM:https://www.patreon.com/littlemissrecap or click subscribe on Apple Podcasts!PLEASE VISIT OUR SPONSORS:LUMI GUMMIES are consistent, mellow, and super delicious –– Lumi Gummies are specifically designed to make you feel good, not stoned. Lumi Gummies are available nationwide. We have a 30% code for our listeners! Visit www.LumiGummies.com and use code (LITTLEMISSRECAP) for 30% off your order.Listen to my true crime podcast: Murder She Watched at www.murdershewatchedpod.comGet in touch with us:Facebook: https://www.facebook.com/groups/littlemissrecapFacebook group: https://www.facebook.com/groups/littlemissrecapInstagram: @littlemissrecap Voicemail: www.littlemissrecap.comEmail: amye@littlemissrecap.comGrab yourself some Little Miss Recap merch at: https://littlemissrecap.myshopify.com/See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

TL's Road House
TL's Road House - Kristian Bush

TL's Road House

Play Episode Listen Later Dec 17, 2025 79:43


TL's Road House is back with two-time GRAMMY Award winner Kristian Bush for a wide-ranging conversation with one of country music's most dynamic creatives. From co-founding the hit duo Sugarland to his early days in Billy Pilgrim, launching a solo career and forming the improvisational rock band Dark Water, Kristian has lived many musical lives. In recent years, he's also become an in-demand songwriter and producer, playing a key role in discovering and producing artists like Megan Moroney, Runaway June and more. In this episode, Tracy and Kristian dig into the highs and hard lessons of a long-lasting career, the realities of navigating fame and success and the importance of evolving with purpose. Hop on board with Tracy and Kristian for an honest, insightful and entertaining ride through their careers that continue to shape modern country music.

İstifade Ettiren Fikirler
10 AYDA TRENDYOL'DA 1 MİLYON DOLAR! Faruk Bunu Nasıl Yaptı? (İnanılmaz Strateji)

İstifade Ettiren Fikirler

Play Episode Listen Later Dec 15, 2025 23:53


Azerbaycanlı bir yazılımcı, Türkiye'ye yüksek lisans için geliyor, Trendyol'da plaj giyimi satarak 10 ayda 1 milyon dolar (yaklaşık 40 milyon TL) ciro yapıyor.Markası yok, shop kategorisinde satış yapıyor, 5–10 bin TL'lik mayo ve plaj ürünlerini meta reklam, doğru hedef kitle ve yapay zeka görselleriyle Türkiye'nin en premium kitlesine satıyor. Bu podcastte Farrukh'la birlikte, bu sürecin tüm perde arkasını konuşuyoruz.

İstifade Ettiren Fikirler
Ailesi Küçümsedi, Trendyol Cezayı Kesti: Enes'in 600 Bin TL'lik Dersi

İstifade Ettiren Fikirler

Play Episode Listen Later Dec 15, 2025 18:07


19 yaşında bir gencin, Trendyol'da 600.000 TL'si içeride kalıyor, sahte ürün suçlamasıyla sayfası kapanıyor, marka ihlali dosyaları açılıyor… Ama hikâyenin devamında 300 m² dükkana, günde 150'den fazla kargoya ve 1,5–2 milyon TL ciroya uzanan bambaşka bir tablo var. Bu podcastte Enes'in Gaziantep'ten başlayıp Trendyol üzerinden e-ticaret dünyasında nasıl battığını, parasını nasıl geri aldığını ve bugünlere nasıl geldiğini tüm detaylarıyla konuşuyoruz.

İstifade Ettiren Fikirler
Kamu Çalışanı 8 Ayda 1 Milyon TL Ciroya Nasıl Ulaştı?

İstifade Ettiren Fikirler

Play Episode Listen Later Dec 15, 2025 13:53


Türkiye'de yaşlı bakımı ve evde bakım alanında büyük bir boşluk var. Bu podcastte Cihan Yılmaz ile, “E-bebek'in yaşlı versiyonu” gibi görünen ama aslında çok daha derin bir probleme çözüm üreten E-Yaşlı girişiminin hikayesini konuşuyoruz.✅ 8 ayda 1 milyon TL ciroya giden süreçte neler yaptılar?✅ Google'da “yararlı bilgi” etiketi nasıl alınır, organik trafik nasıl büyütülür?✅ SGK hakları, bez parası, evde bakım ürünleri ve medikal ürünlerde fırsatlar neler?✅ Trendyol, Hepsiburada, N11, Amazon gibi pazar yerleri stratejisi nasıl kurulmalı?Bu podcast özellikle girişimcilik, e-ticaret, pazar yeri satışları ve sağlık/medikal alanında iş kurmayı düşünenler için “kafa açan” bir örnek.

Let's Talk About Mental Health
Why your family ignores your boundaries (Episode 312)

Let's Talk About Mental Health

Play Episode Listen Later Dec 14, 2025 15:09


Do your family boundaries seem to disappear the moment someone gets upset? In this episode of the Let's Talk About Mental Health podcast I'm exploring family conflict, toxic family relationships, and how to set boundaries with family… so you can dial down the family drama and start finding peace! I'll walk you through why setting boundaries with family members feels so hard, what's really going on in your head when you're struggling with boundaries, and simple mental health tips to help you say no without guilt. This one's especially useful for holidays mental health, but it's really for any time you find yourself stuck in old patterns with family and want a calmer mindset and less anxiety after seeing them. By the end of the episode you'll have practical ideas for how to have better relationships with family: protecting your peace, using kind but direct boundaries, and feeling more in control of your own life. 

Terminal Value
Coming Back Home: Identity, Ego, and the Real Work of Leadership

Terminal Value

Play Episode Listen Later Dec 12, 2025 32:10


Most of us chase home on the outside — new careers, new cities, new missions — assuming the right setting will unlock the right identity. But for Socratese, home wasn't Boston, the Army, or the next achievement. It was the inner place he had been trained to outrun.In this episode, we unpack why so many high-performers hit professional milestones but feel spiritually homeless, how “hero's journey” conditioning pushes leaders away from their real identity, and how cannabis (used intentionally, not performatively) became the unexpected doorway to presence, empathy, and actual healing.We trace the emotional reality of reintegration after elite institutions (military, corporate, startup), how performance culture replaces personhood, and why coming home is always an inward path — never a geographic one.This conversation winds through 80s action movies, the “meeting crisis,” late-stage capitalism narratives, business ethics, the collapse of real community, and the quiet courage required to stop living other people's scripts.No mysticism. No clichés. Just a brutally honest exploration of what it actually takes to return to yourself.TL;DR* Home isn't a location—it's your inner alignment. Many leaders hit external success while feeling internally displaced.* Cannabis as a tool, not an identity. For Socratese, it created non-judgmental presence—the state needed for real healing.* Performance culture steals personhood. Whether military or corporate, the identity costumes eventually crack.* Disruption isn't tech—it's restoring human reciprocity. Real business is two people making each other better.* The journey inward is the only real journey. Every choice either takes you closer to your true self or further away.Memorable Lines* “I came home from the Army, but I didn't feel at home. Because the home I needed wasn't a place—it was my heart.”* “Cannabis didn't heal me. It put me in a state where healing was finally possible.”* “We spend years becoming the person others expect, and then wonder why we feel like strangers in our own lives.”* “Business should be: I win, you win. Somewhere along the line, we lost the human part.”* “You don't find home. You return to it.”GuestSocratese Rosenfeld — Army veteran, tech founder, CEO of Jane, and one of the most thoughtful voices on identity, healing, and conscious leadership.LinkedIn: https://www.linkedin.com/in/socratesrosenfeld/Website: https://www.iheartjane.com/Why This MattersIf you're a founder, veteran, executive, or anyone who has lived inside a high-performance machine, you know the cost: identity confusion, emotional detachment, and a quiet sense of exile from yourself.Coming back home is the real work.Not a tactic. Not a hack.A reckoning.The leaders of tomorrow aren't the loudest.They're the ones who know where “home” is — and how to lead from that grounded center.Call to ActionIf this conversation lit something up for you, don't just let it fade. Come join me inside the Second Life Leader community on Skool. That's where I share the frameworks, field reports, and real stories of reinvention that don't make it into the podcast. You'll connect with other professionals who are actively rebuilding and leading with clarity. The link is in the show notes—step inside and start building your Second Life today.https://secondlifeleader.com This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit www.dougutberg.com

High Voltage Business Builders
#211 Black Friday Is Lying To You (What the Data Actually Says + What It Doesn't)

High Voltage Business Builders

Play Episode Listen Later Dec 12, 2025 8:13


Everyone loves Cyber Week numbers. Big charts. Big screenshots. Big claims.But Cyber Week data lies….When demand is compressed into five days, behavior gets distorted. And if you build your next 90-day strategy on distorted data, you scale the wrong lesson.In this Week in Review, Neil breaks down what the post–Cyber Week data actually reveals, why traffic and revenue spikes mislead sellers every December, and how real operators read the scoreboard differently heading into January and 2026.

Terminal Value
Stepping Out of a Career That Was Actually a Trap

Terminal Value

Play Episode Listen Later Dec 11, 2025 26:40


Rita Malvone did — but only after it nearly burned her out as a leader, a human, and as someone trying to make sense of a career that never quite felt like hers.In this episode, Rita and I unpack the quiet misery of high-performing corporate people: the ones who smile on Zoom, hit the metrics, answer Slacks at 11 p.m.… and privately wonder why they feel so damn empty.Rita's story starts in China, leading a young team while simultaneously building an entire Asia-Pacific presence from scratch. On paper? Impressive.In reality? A slow emotional suffocation disguised as “success.”She talks openly about being a bad leader — not out of incompetence, but because she was deeply unhappy. The FaceTime culture, the politicking, the performative grind, the “be grateful you even have this job” mindset… all of it slowly turned her into someone she didn't like.When the company finally told her she was 47th in line for a promotion, she snapped the trap in half.Leaving wasn't graceful. It wasn't strategic.It was survival.And looking back, Rita realized something hard but beautiful:You can't become the leader you want to be inside a system that requires you to betray yourself.We dig into the aftermath of walking away, the shock of rediscovering joy, the messy years of rebuilding, and how real leadership is less “motivational poster” and more “doing the hard, human, unglamorous work.”We talk about why suffering gives leaders their edge, why authenticity can't be faked, and why corporate life fails people who don't fit the mold — no matter how capable they are.This isn't a rage story.It's a liberation story.No villains. No corporate-hate screeds. Just an honest look at the moment you realize your career is using you more than you're using it — and what happens when you finally walk out.TL;DR* The trap: A prestigious career that looks like success and feels like misery.* The break point: Being told she was “#47 in line for a promotion.”* The turn: Leaving corporate, owning how unhappy she truly was, and rebuilding a life that isn't powered by performance, FaceTime, or pretending.* The lesson: You can't lead well while losing yourself.Memorable Lines* “I wasn't a bad leader. I was an unhappy human pretending to be a leader.”* “We were building the seats as we were sitting in them.”* “You can't sugarcoat how miserable you are and still expect to lead well.”* “Once I stepped out, I finally saw the cage I had been sitting in.”GuestRita Malvone — Leadership coach, former corporate executive in China, and someone who rebuilt her life after discovering her ‘career' was a beautifully decorated cage.

DTC POD: A Podcast for eCommerce and DTC Brands
#366 - 360° Brand Growth: How Premium Brands Crack the UK, Optimize Their Funnel & Scale Profitably

DTC POD: A Podcast for eCommerce and DTC Brands

Play Episode Listen Later Dec 11, 2025 48:37


Natalia Chappell is the founder of Natalia Chappell & Co, a UK-based consultancy helping luxury and lifestyle brands scale sustainably. Previously, she led marketing for THG's luxury division, working with brands like Coach and Ralph Lauren across price points from hundreds to thousands of pounds.In this episode of DTC Pod, Natalia breaks down what it really takes for US brands to win in the UK—and why so many get it wrong. She shares the full-funnel mistakes she sees premium brands make over and over, why some household US names thrived in Britain while others quietly retreated, and what's actually driving results on Meta right now. She also gets into how to connect with younger consumers who think differently about spending, and why the old playbook of polished content isn't cutting it anymore. Plus, her journey from corporate marketing leader to female founder, and what she wishes more people understood about building a business as a woman.Episode brought to you by StordInteract with other DTC experts and access our monthly fireside chats with industry leaders on DTC Pod Slack.On this episode of DTC Pod, we cover:1. Lessons from high-growth UK e-commerce brands 2. Creating sustainable, holistic marketing strategies3. Using data and analytics to drive channel mix decisions4. Optimizing for paid and organic synergy5. Landing page and website audit best practices6. UGC, influencer, and creator partnership frameworks7. Onboarding and managing creators for conversion and brand fit8. Navigating UK logistics, customs, and local expectations9. How to adapt brand voice and content for UK consumer10. UK cultural moments and how to plan campaigns around them11. Success stories (Drunk Elephant, Ralph Lauren, Coach) and why some US brands flop12. Digital-first approaches to brand building13. Upcoming trends—partnership ads, authentic content, and Gen Z consumers14. Supporting and growing as a female founder in e-commerceTimestamps00:00 Introduction to DTC POD and episode with Natalia Chappell01:18 Natalia's background: fashion, digital marketing, luxury brand experience03:26 Lessons learned building luxury and beauty e-commerce teams05:16 Becoming a female founder and launching Natalia Chappell & Co07:22 The type and scale of brands Natalia's agency works with09:07 Optimizing paid-to-organic mix for sustainable growth12:12 Data, analytics, and the importance of first-party data integrity13:33 Why understanding inventory and offer depth matters before scaling ads16:26 Building a marketing flywheel that feeds itself18:50 Audience segmentation, CRM, and conversion optimization20:08 Attribution modeling and keeping data integrations clean22:29 Organic growth: auditing website, SEO, landing pages, and reviews24:03 Content strategy: authentic UGC, influencers, and the UK market26:58 Equipping creators for conversion, not just reach29:25 Structuring affiliate and creator programs, commissioning vs. flat fees33:01 Logistics: Warehousing, customs, and UK delivery expectations36:54 Adapting voice, copy, and calendar to resonate in the UK38:34 Brand case studies: Drunk Elephant, Coach, Ralph Lauren41:09 Why some US brands struggle in the UK (Forever 21, etc.)44:21 Trends to watch: partnership ads, content authenticity, Gen Z targeting47:25 Where to find and connect with Natalia ChappellShow notes powered by CastmagicPast guests & brands on DTC Pod include Gilt, PopSugar, Glossier, MadeIN, Prose, Bala, P.volve, Ritual, Bite, Oura, Levels, General Mills, Mid Day Squares, Prose, Arrae, Olipop, Ghia, Rosaluna, Form, Uncle Studios & many more.  Additional episodes you might like:• #175 Ariel Vaisbort - How OLIPOP Runs Influencer, Community, & Affiliate Growth• #184 Jake Karls, Midday Squares - Turning Your Brand Into The Influencer With Content• #205 Kasey Stewart: Suckerz- - Powering Your Launch With 300 Million Organic Views• #219 JT Barnett: The TikTok Masterclass For Brands• #223 Lauren Kleinman: The PR & Affiliate Marketing Playbook• ​​​​#243 Kian Golzari - Source & Develop Products Like The World's Best Brands-----Have any questions about the show or topics you'd like us to explore further?Shoot us a DM; we'd love to hear from you.Want the weekly TL;DR of tips delivered to your mailbox?Check out our newsletter here.Projects the DTC Pod team is working on:DTCetc - all our favorite brands on the internetOlivea - the extra virgin olive oil & hydroxytyrosol supplementCastmagic - AI Workspace for ContentFollow us for content, clips, giveaways, & updates!DTCPod InstagramDTCPod TwitterDTCPod TikTokNatalia Chappell - Founder of Natalia Chappell & Co.Blaine Bolus - Co-Founder of CastmagicRamon Berrios - Co-Founder of Castmagic

The Logistics of Logistics Podcast
Trimble's Perspective: The Future of Freight is Connected with Rob Painter

The Logistics of Logistics Podcast

Play Episode Listen Later Dec 11, 2025 36:16


In "Trimble's Perspective: The Future of Freight is Connected", Joe Lynch and Rob Painter, Trimble's President and Chief Executive Officer, discuss how Trimble connects the freight ecosystem—people, data, and workflows—to navigate the difficult truckload market and drive customer efficiency using AI and integrated commercial solutions. About Rob Painter Rob Painter became Trimble's president and chief executive officer in January 2020. From 2016 through 2019, he served as the Company's chief financial officer. Joining the Company in 2006, Painter held a variety of leadership positions, including corporate development, corporate strategy, general manager of Construction Services, general manager of the Intelligent Construction Tools international joint venture, and vice president of Trimble Buildings construction software. In August 2023, he was appointed to serve on the Synopsys Board of Directors. Painter holds a bachelor's degree in finance from West Virginia University and an MBA from Harvard University. About Trimble Transportation Trimble Transportation provides fleets with solutions to create a fully integrated supply chain. With an intelligent ecosystem of products and services, Trimble Transportation enables customers to embrace the rapid technological evolution of the industry and connect all aspects of transportation and logistics — trucks, drivers, back office, freight and assets. Trimble Transportation delivers an open, scalable platform to help customers make more informed decisions and maximize performance, visibility and safety. Key Takeaways: Trimble's Perspective: The Future of Freight is Connected In "Trimble's Perspective: The Future of Freight is Connected", Joe Lynch and Rob Painter, Trimble's President and Chief Executive Officer, discuss how Trimble connects the freight ecosystem—people, data, and workflows—to navigate the difficult truckload market and drive customer efficiency using AI and integrated commercial solutions. Holistic Solution for a Difficult Truckload Market: Trimble's T&L segment directly addresses the pressures of the current truckload market by providing core operational platforms (TMW.Suite, TruckMate) to help carriers, shippers, and brokers manage operations, accounting, and dispatch, ensuring maximum efficiency and cost control when margins are tight. Driving Strategy with the Connect & Scale Message: The entire product portfolio—spanning TMS, maintenance, visibility, and procurement—is structured to embody Trimble's "Connect & Scale" message, which focuses on integrating people, data, and workflows into a unified ecosystem to drive growth and efficiency. AI-Powered Autonomous Freight Procurement: Trimble is leveraging AI within its Freight Procurement solutions (Transporeon, Freight Marketplace) to move toward autonomous procurement. This helps shippers and brokers efficiently source capacity and optimize freight spend in real-time, which is critical in a volatile capacity environment. Commercial Mapping for Efficiency and Safety: Essential tools like Trimble MAPS (CoPilot, Appian) go beyond basic navigation. They provide commercial-grade routing that accounts for truck-specific constraints and HOS, acting as a crucial element in optimizing routes and protecting drivers (part of the people and workflow components of Connect & Scale). TMS as the Core Workflow Integrator: Comprehensive Transportation Management Systems (TMS) platforms like TMW.Suite act as the central brain for workflows, integrating data across the business from operations to financial accounting, which is foundational to the "Scale" component of Trimble's strategy. Proactive Maintenance and Data Connectivity: Solutions for Asset & Fleet Maintenance focus on maximizing uptime—a key lever in today's market. By using data from connected trucks (fault codes, location) for preventative and predictive maintenance, they ensure assets remain productive and reduce unexpected downtime. Regulatory Compliance and Risk Mitigation (People & Data): The Safety & Compliance offerings help fleets mitigate risk and adhere to federal regulations, ensuring the safety and legal operation of their people (drivers) and assets, proving that technology is essential for responsible management and effective use of operational data. Learn More About Trimble's Perspective: The Future of Freight is Connected Rob Painter | Linkedin Trimble Transportation | Linkedin Trimble Transportation Revolutionizing the Road: Trimble's Tech Solutions with Kelly Williams | The Logistics of Logistics Trimble & Platform Science: The Future of Telematics with Rob Painter and Jack Kennedy The Logistics of Logistics Podcast If you enjoy the podcast, please leave a positive review, subscribe, and share it with your friends and colleagues. The Logistics of Logistics Podcast: Google, Apple, Castbox, Spotify, Stitcher, PlayerFM, Tunein, Podbean, Owltail, Libsyn, Overcast Check out The Logistics of Logistics on Youtube

TL's Road House
TL's road House - Lanie Gardner

TL's Road House

Play Episode Listen Later Dec 10, 2025 66:50


Welcome back on board TL's Road House! Tracy Lawrence sits down with country singer-songwriter Lanie Gardner to talk musical inspirations, family influence, stage nerves and more. A North Carolina native with traditional roots, Lanie first blew fans away in 2020 when her YouTube cover of “Dreams” by Fleetwood Mac went viral. Before that, she was learning guitar and singing alongside her dad from an early age. Her career has quickly taken off with a record deal right out of college, opening for major acts like the Jonas Brothers, Jelly Roll and Cody Johnson, and she most recently released her sophomore album, Faded Polaroids. Tracy and Lanie get real about life lessons they have learned, while also bonding over their go-to Broadway bars, and the memories made along the way. Tune in for a fun and heartfelt conversation with one of country music's fastest-rising stars!

Tobin, Beast & Leroy
(HR 1.) Magic Vanish The Heat In NBA Cup Action, Old Man Rivers Back In Indy

Tobin, Beast & Leroy

Play Episode Listen Later Dec 10, 2025 46:00


In the first hour of the show, T& L discuss the Miami Heat loss to the Orlando Magic in the quarterfinal of the NBA Cup, The loss is the team's 4th in a row and is it time to make a trade. Tobin & Leroy discuss the return of Philip Rivers back to the Indianapolis Colts. Leroy feels there are better options for the Colts than a 44 year old grandfather who hasn't been played since 2020.

Tobin, Beast & Leroy
(HR 4.) Lean On Mr. Toney

Tobin, Beast & Leroy

Play Episode Listen Later Dec 10, 2025 16:40


In the final hour of the show, T&L talk College Football Playoffs as the Canes get set to face Texas A&M. MLB 1b Pete Alonso signed a 5 year 150 million deal with the Baltimore Orioles that has Tobin upset the Miami Marlins didn't make an offer to the Polar Bear.

Tobin, Beast & Leroy
(HR 3.) The Heat Is Off!!!

Tobin, Beast & Leroy

Play Episode Listen Later Dec 10, 2025 36:08


In hour 3, T&L talk on the Miami Heat' bad play of late has them bothered and upset. They discuss if Philip Rovers is the best option for the Indianapolis Colts and how the Colts situation should be a cautionary tale for Dol-fans who want Tua out as QB. Lastly, we play Rats Of A Ship

The Fintech Factor
Facing Credit: Pressure Points

The Fintech Factor

Play Episode Listen Later Dec 10, 2025 63:54


Welcome back to the Fintech Takes podcast. I'm Alex Johnson, joined by Dave Wasik (Partner at 2nd Order Solutions) for our new series, Facing Credit, where we unpack what's happening in lending right now. First, we kick off with the big picture in December 2025, starting with delinquency rates. TL;DR: Things don't appear to be improving, and if you squint, they may be eroding. Next, credit cards and BNPL. Dave explains why cards hold up, thanks to their clear value prop, rewards stickiness, and issuer concentration (the top 10 issuers control 82% of cards). Minimum payments are flexible and low, helping riders through cash-flow crunches. On the other hand, BNPL has shifted from big ticket items to everyday spending like groceries and restaurants (we discuss why the shift raises concerns, especially with limited bureau reporting). Finally, auto, student loans, and the thing at the top of Dave's worry board: private credit. It's enormous, growing rapidly, and hard to manage (there's no data to either corroborate or refute the risks; leverage plus interconnected bets can turn a small shock into a cascade). Plus, we'll close each Facing Credit episode with our guest's take on one trend shaping the industry. This time: what does the breakdown of FICO as the standard mean for credit scoring and underwriting? Tune in for Dave's take! This episode was brought to you by Marqeta. Don't sacrifice agility for stability. With Marqeta, launch payments experiences that perform at scale and flex with your business. Learn more at https://marqeta.com/ftt Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don't forget to check out my YouTube page. Follow Dave Wasik LinkedIn: https://www.linkedin.com/in/davewasik/   Follow Alex Johnson:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnsonX: https://www.twitter.com/AlexH_Johnson

Tobin, Beast & Leroy
(HR 3.) Punchable Face

Tobin, Beast & Leroy

Play Episode Listen Later Dec 9, 2025 38:52


In the third hour of the show, T&L continue the discussion of the College Playoff and Notre Dame's reaction to being left out of the committee. Tobin & Leroy talk some panthers hockey as a poll was taken by The Athletic about the most punchable players in the NHL and the Florida Panthers haven't loss their shine. Lastly, we get into the Mix Bag and listen to sound from Erik Spoelstra( who is sounding more like Mike McDaniel) and Mike Tomlin on Old QBs starting in the NFL.

Idling In The Impala
Carrying Wayward: Interview with Mary on Supernatural Fandom and Podcasting

Idling In The Impala

Play Episode Listen Later Dec 9, 2025 110:51


Sandra and Kasey are chatting with Mary, creator and co-host of the beloved Supernatural podcast “Carrying Wayward,” a cherished part of the SPN fandom. Launched as the show ended in 2020, Mary's podcast dives into character development and lore, and offers thoughtful critique. After a year-long hiatus, “Carrying Wayward” made a much-anticipated return with new episodes on September 13th—marking Supernatural's 20th Anniversary and our recording day! In this episode, discover what inspired Mary to start podcasting, her experiences in the fandom, and what new directions lie ahead for "Carrying Wayward." Whether you're a fanfic writer, podfic creator, or longtime Supernatural fan, this insightful interview celebrates the vibrant SPN family and its continued storytelling spirit.Link up to all things Carrying Wayward at: http://carryingwayward.com/You can find Mary on BlueSky.~~~We're taking you for a spin in Baby's backseat.Dean's House Rules - Driver picks the music, shotgun shuts his cakehole, and the ones in the back enjoy the ride... idling in the Impala.~~~~~TL;DR - If you can't be bothered clicking on all the things in this description, just visit our website: idlingintheimpala.comWe'd love to hear your thoughts. Send us an email (idlingintheimpala@gmail.com)!All the Socials and AO3 and Fiction links: https://linktr.ee/idlingintheimpalapodcastOur Discord #backseat Channel.Interested in being a guest on the podcast? Give us some info about you here so we can connect.Feel inclined to leave us a tip for all this AWESOME content? Visit our Ko-fi page. Monthly supporters will get special behind-the-scenes perks!We've got podcast merch for our fellow idlers. Take a look!~~~~~Charities IITI Supports: Check out the Causes, ‘cause page on our website for the whys:World Central Kitchen and Doctors Without Borders/Médecins Sans Frontières (MSF)~~~~~For Those in the US: Educate and Empower Yourself, Find Ways to Take ActionSupport Basic Human Rights - American Civil Liberties Union (ACLU)Prioritize Your Mental Health - National Alliance on Mental Illness (NAMI)Thrive (Not Just Survive) After Abuse - Rape, Abuse & Incest National Network (RAINN)  ~~~~~LGBTQ+ CharitiesSwitchboard LGBT UKThe Trevor Project - USA and Global~~~~~Our podcast occasionally incorporates brief excerpts from the CW television show "Supernatural" for transformative commentary and analysis. This use falls under the Fair Use doctrine codified in Section 107 of the United States Copyright Act. The included clips are short, constituting only a minuscule portion of the original work, and illustrate specific points within our critical commentary. Our podcast does not compete with the show's market. This use promotes public discourse and understanding of the work, strengthening its cultural significance.~~~Chapter Timestamps00:00:00 - Intro00:02:33 - Background on Mary and Carrying Wayward00:05:14 - Getting into the Supernatural Fandom00:06:52 - SPN's Comfort Factor00:07:48 - Brother blorbo?00:11:25 - Putting Mary on the spot for favorite season00:21:30 - Why start a podcast about a show that just ended?00:23:03 - Despair and the fandom00:33:21 - Support that got Carrying Wayward off the ground00:35:20 - Finding the perfect co-host00:36:59 - The podcast producer00:38:30 - Deciding on a podcast name and artwork00:40:34 - What worked and what didn't in the beginning00:42:46 - Fitting the podcast into real life00:47:12 - What brought Carrying Wayward back00:53:16 - Research and notes for a podcast00:55:43 - Along for the ride with a first-time watcher00:58:45 - Anger over the Anti-Christ01:00:53 - Tuning in to Angel Radio01:08:19 - Nostalgia and Societal Reflection01:13:13 - The podcast creator community01:17:26 - How podcasting has changed Mary's life01:20:49 - Processing the end of Season 801:32:17 - Kasey's question01:38:54 - Advice for anyone interested in starting a podcast01:41:28 - Final thoughts and outro

Going North Podcast
Ep. 1032 – A Grandmother's Fight for Disability Representation in Books with T. L. McCoy (@BlueRoundBG)

Going North Podcast

Play Episode Listen Later Dec 8, 2025 42:45


“The whole purpose of the book is to kind of reach kids who might be experiencing some difficulties in life, whether they feel isolated or alone, or maybe they're special needs. So, I really wanted there to be more out there that is inclusive.” – T. L. McCoyToday's featured award-winning, bestselling author is a wife, glam-mom, U.S. Air Force veteran, registered nurse, former educator, and the founder of Blue Round Book Group, LLC, T. L. McCoy. We had a fun on a bun chat about her first book, “Delilah Versus the Ghastly Grim”, her journey from military service and living in Japan to becoming a psychiatric nurse and educator, the importance of inclusion in literature, and more!!Key Things You'll Learn:The benefits and challenges of military lifeHow her experience as a teacher for children with behavioral and developmental disabilities helped her support her grandchild diagnosed with Dravet syndromeWhat she learned about herself through writing her bookThe impact of Dravet syndrome on families and the importance of support and awarenessTL's Site: https://blueroundbookgroup.com/TL's Books: https://www.amazon.com/stores/author/B0F925Z2RP/allbooksThe opening track is titled, “Unknown From M.E. | Sonic Adventure 2 ~ City Pop Remix” by Iridium Beats. To listen to and download the full track, click the following link. https://www.patreon.com/posts/sonic-adventure-136084016 Please support today's podcast to keep this content coming! CashApp: $DomBrightmonDonate on PayPal: @DBrightmonBuy Me a Coffee: https://www.buymeacoffee.com/dombrightmonGet Going North T-Shirts, Stickers, and More: https://www.teepublic.com/stores/dom-brightmonThe Going North Advancement Compass: https://a.co/d/bA9awotYou May Also Like…Ep. 484 – “What's Wrong with My Child” with Elizabeth Harris (@elizabethwwwmc): https://www.goingnorthpodcast.com/ep-484-whats-wrong-with-my-child-with-elizabeth-harris-elizabethwwwmc/Ep. 710 – “Trusting Your Mommy Instincts” with Colleen Faul: https://www.goingnorthpodcast.com/ep-710-trusting-your-mommy-instincts-with-colleen-faul/Ep. 389 – “Unshakable, Undaunted, & Undefeated” with Elizabeth Meyers (@thelizmeyers): https://www.goingnorthpodcast.com/ep-389-unshakable-undaunted-undefeated/Ep. 463 – “Crushed” with Linda Bjork (@Linda_Bjork_1): https://www.goingnorthpodcast.com/ep-463-crushed-with-linda-bjork-linda_bjork_1/247 – “Cozy Mysteries & Inclusive Children's Books” with Kelly Brakenhoff (@inBrakenVille): https://www.goingnorthpodcast.com/247-cozy-mysteries-inclusive-childrens-books-with-kelly-brakenhoff-inbrakenville/Ep. 969 – Music, Memoirs, and Making a Difference As a Disability Advocate with Jenna Udenberg: https://www.goingnorthpodcast.com/ep-969-music-memoirs-and-making-a-difference-as-a-disability-advocate-with-jenna-udenberg/Ep. 844 – Different But Special with Owen Rex Daughtry (@daughtry_owen): https://www.goingnorthpodcast.com/ep-844-different-but-special-with-owen-rex-daughtry-daughtry_owen/Ep. 494 – “Living With Cerebral Palsy & Inspiring Others to Achieve the Extraordinary” with Christopher Powell (@overcomelimits): https://shorturl.at/k5evfEp. 344.5 – “Poohlicious” with Mary Elizabeth Jackson (@Mary_E_Jackson): https://www.goingnorthpodcast.com/ep-3445-poohlicious-with-mary-elizabeth-jackson-mary_e_jackson/Ep. 385 – “From Wheels to Heals” with Barby Ingle (@BarbyIngle): https://www.goingnorthpodcast.com/ep-385-from-wheels/Ep. 471 – “How to Turn Suffering Into Something Good” with Darci Steiner (@DarciJSteiner): https://www.goingnorthpodcast.com/ep-471-how-to-turn-suffering-into-something-good-with-darci-steiner-darcijsteiner/Ep. 918 – From the Boxing Ring to the Book Page with Craig Stilley: https://www.goingnorthpodcast.com/ep-918-from-the-boxing-ring-to-the-book-page-with-craig-stilley/

VOV - Chương trình thời sự
Thời sự 12h 8/12/2025:Thái Lan - Campuchia gia tăng căng thẳng với một loạt vụ đụng độ dọc biên giới

VOV - Chương trình thời sự

Play Episode Listen Later Dec 8, 2025 55:49


- Tổng Bí thư Tô Lâm, Bí thư Quân uỷ Trung ương dự lễ kỉ niệm 80 năm Ngày truyền thống Lực lượng vũ trang Quân khu 9 và đón nhận danh hiệu Anh hùng lực lượng vũ trang nhân dân.- Dự lễ khai trương cặp cửa khẩu quốc tế Tân Nam – Men Chây sáng nay, Thủ tướng Phạm Minh Chính kỳ vọng, công trình sẽ trở thành một hình mẫu đi đầu trong chuyển đổi số, thông minh, văn minh, hiện đại, mang lại sự thịnh vượng, ấm no, hạnh phúc cho người dân khu vực biên giới.- Các đại biểu Quốc hội thảo luận hàng loạt cơ chế, chính sách đặc thù liên quan đến Hà Nội, TP.HCM và Đà Nẵng- Tình hình biên giới Thái Lan - Campuchia gia tăng căng thẳng với một loạt vụ đụng độ dọc biên giới.- Giới chức Benin vô hiệu hóa âm mưu đảo chính do nhóm sỹ quan đội tiến hành và bắt giữ nhiều người liên quan.Ảnh: Thủ tướng Thái Lan Anutin Charnvirakul sáng 8/12/2025 đã hoãn chuyến thị sát 4 tỉnh biên giới để tiến hành họp khẩn với Hội đồng An ninh quốc gia sau một loạt các vụ đụng độ dọc biên giới Thái Lan-Campuchia. Ảnh: The Nation.

VOV - Chương trình thời sự
Thời sự 18h 8/12/2025: Tổng Bí thư Tô Lâm dự lễ kỉ niệm 80 năm Ngày truyền thống LLVT Quân khu 9

VOV - Chương trình thời sự

Play Episode Listen Later Dec 8, 2025 57:17


- Thủ tướng Phạm Minh Chính và Thủ tướng Campuchia Hunmanet dự khai trương cặp cửa khẩu quốc tế Tân Nam - Men Chây. 2 nước phấn đấu đưa kim ngạch thương mại song phương sớm đạt 20 tỷ đôla trong thời gian tới-Với tổng mức đầu tư hơn 36.000 tỷ đồng, dự án mở rộng cao tốc TP HCM - Trung Lương - Mỹ Thuận là dự án BOT giao thông lớn nhất từ trước đến nay- Khánh Hòa điều tra việc vận hành xả lũ các hồ chứa trong đợt mưa lớn giữa tháng 11 vừa qua, khiến nhiều khu vực bị ngập sâu, gây thiệt hại nghiêm trọng- Tình hình biên giới Campuchia và Thái Lan leo thang nghiêm trọng khi hàng loạt vụ đụng độ được ghi nhận tại khu vực vào sáng nay- Indonesia cần hơn 3 tỷ đô-la để tái thiết các khu vực bị tàn phá bởi lũ lụt và lở đất ở Xu-ma-tra.Tổng Bí thư Tô Lâm dự Lễ kỷ niệm 80 năm Ngày truyền thống Quân khu 9 và đón nhận danh hiệu Anh hùng lực lượng vũ trang nhân dân  

TẠP CHÍ VIỆT NAM
Mỹ muốn kéo Việt Nam vào quỹ đạo “bán đồng minh”, Hà Nội vẫn chưa sẵn sàng rời Matxcơva

TẠP CHÍ VIỆT NAM

Play Episode Listen Later Dec 8, 2025 9:34


“Washington muốn hợp tác chặt chẽ hơn với Việt Nam về mặt quân sự”. Mối quan hệ này được thể hiện qua việc Mỹ chuyển giao ba tàu tuần tra cho Cảnh sát biển Việt Nam (1), năm máy bay huấn luyện T-6C trên tổng số 12 chiếc (2). Một cột mốc quan trọng khác là chuyến công du Hà Nội của bộ trưởng Chiến Tranh Mỹ Pete Hegseth đầu tháng 11/2025. Ông khẳng định “Hoa Kỳ quyết tâm theo đuổi những dự án này và nhiều dự án khác”. Việt Nam giữ vai trò như thế nào trong chiến lược quốc phòng vừa được tổng thống Trump điều chỉnh ngày 05/12, theo đó Trung Quốc vẫn là đối thủ “hàng đầu” của Mỹ ? Liệu Hà Nội có thể tăng cường mối quan hệ quân sự với Washington mà vẫn không tách rời Matxcơva ? RFI Tiếng Việt đặt câu hỏi với nhà nghiên cứu địa-chính trị Laurent Gédéon tại Viện Đông Á (Institut d'Asie orientale), Trường Sư phạm Lyon (ENS Lyon), Pháp. RFI : Việt Nam nằm trong số các điểm dừng chân trong chuyến công du châu Á của bộ trưởng Chiến tranh Hoa Kỳ Pete Hegseth tháng 11/2025. Chuyến thăm này diễn ra trong bối cảnh nào ? Laurent Gédéon : Trước hết, cần lưu ý rằng ông Pete Hegseth được coi là một đồng minh thân cận của tổng thống Donald Trump và được biết là người có lập trường cứng rắn đối với Trung Quốc. Ngày 03/11, ông Hegseth kết thúc chuyến thăm Việt Nam kéo dài hai ngày, gặp bộ trưởng Quốc Phòng Phan Văn Giang và cam kết tăng cường quan hệ quốc phòng giữa hai nước. Chuyến thăm này trùng với kỷ niệm 30 năm thiết lập quan hệ ngoại giao song phương và hai năm nâng cấp lên thành Đối tác Chiến lược Toàn diện - cấp ngoại giao cao nhất của Việt Nam. Chuyến thăm này diễn ra trong bối cảnh ngoại giao tế nhị, được đánh dấu bằng chuyến công du Bắc Triều Tiên của tổng bí thư đảng Cộng Sản Việt Nam Tô Lâm ngày 09/10, dự lễ duyệt binh tại Bình Nhưỡng để kỷ niệm 80 năm thành lập đảng Lao Động Triều Tiên. Dĩ nhiên là chuyến công du đầu tiên của một quan chức cấp cao Việt Nam từ năm 2007 cũng được theo dõi sát sao ở Washington. Đọc thêmViệt Nam : Tổng bí thư Tô Lâm thăm Bắc Triều Tiên, dự lễ 80 năm thành lập đảng Lao Động Việc tổng bí thư đảng Cộng Sản Việt Nam thăm Bình Nhưỡng có thể được phân tích trên hai cấp độ. Thứ nhất là thể hiện mong muốn của Hà Nội trong việc khôi phục quan hệ với Bình Nhưỡng bị đình trệ vì đại dịch Covid-19, Bắc Triều Tiên gần như đóng cửa hoàn toàn biên giới với du khách nước ngoài. Mặt khác, điều này có thể liên quan đến môi trường địa-chiến lược nhạy cảm ở Đông Nam Á, đặc biệt là liên quan đến Trung Quốc, cũng như sự bất cân xứng quân sự đặc trưng trong mối quan hệ Việt-Trung. Trong bối cảnh này, Hà Nội quan tâm đến các phương pháp hiện đại hóa hệ thống vũ khí Liên Xô do Bắc Triều Tiên phát triển, đặc biệt là không quân, bởi vì Việt Nam cũng được trang bị vũ khí hạng nặng từ Nga hoặc Liên Xô cũ. Mối quan tâm này có thể giải thích sự hiện diện của bộ trưởng Phan Văn Giang. Giả thuyết này càng được củng cố qua việc hai bên đã ký một thỏa thuận hợp tác quốc phòng song phương. Bên cạnh hai yếu tố này, Việt Nam cũng đang định hình là một trung gian tiềm năng nếu đối thoại giữa Mỹ và Bắc Triều Tiên được nối lại, như trường hợp hồi tháng 02/2019. Lập trường này sẽ giúp Hà Nội có được lợi thế ngoại giao quý giá đối với Washington, đặc biệt là trong giai đoạn quan hệ kinh tế song phương nhạy cảm. Chuyến thăm của bộ trưởng Pete Hegseth, diễn ra trong bối cảnh phức tạp như đã nói ở trên, còn được đánh dấu bởi mong muốn của Hà Nội trong việc tìm kiếm sự cân bằng giữa hợp tác với các bên liên quan trong khu vực, tìm kiếm ảnh hưởng của Mỹ làm đối trọng với Trung Quốc, và duy trì khoảng cách tương đối với Washington mà không cắt đứt quan hệ với Mỹ. RFI : Hoa Kỳ đã tạm dừng viện trợ của Cơ quan Phát triển Quốc tế USAID trên thế giới, yêu cầu các đối tác và đồng minh chi tiêu nhiều hơn cho an ninh của họ. Ngược lại, Washington lại công bố khoản tài trợ mới 130 triệu đô la cho dự án xử lý dioxin tại sân bay Biên Hòa, nâng tổng số viện trợ không hoàn lại lên 430 triệu đô la. Đâu là lý do có thể giải thích cho quyết định này ? Laurent Gédéon : Thông qua quyết định này có thể thấy kết quả của sự hợp tác về các vấn đề hậu chiến, vốn là nền tảng chính trị và biểu tượng thiết yếu trong quan hệ Việt-Mỹ. Năm 1995 khi bình thường hóa quan hệ, hai nước hợp tác trong việc rà phá bom mìn, tìm kiếm hài cốt quân nhân mất tích và tẩy sạch chất dioxin tại các căn cứ không quân cũ bị nhiễm của Mỹ. Vết tích chiến tranh vẫn in hằn đối với cả người Mỹ và người Việt Nam. Việc nêu bật hậu quả về con người và môi trường của các vụ ném bom của quân đội Mỹ ở Việt Nam đã nâng cao nhận thức tại Hoa Kỳ và thúc đẩy mong muốn giải quyết cuộc xung đột này. Bối cảnh này là một trong những yếu tố giải thích cho quyết định tài trợ của Washington. Đọc thêmMỹ - Việt Nam tăng cường hợp tác quân sự Ngoài ra, còn có một lý do khác liên quan đến mong muốn của Washington trong việc thúc đẩy bất cứ việc gì có thể giúp hai nước xích lại gần nhau về mặt chiến lược, cho dù chi phí không phải là nhỏ. Theo quan điểm của các chiến lược gia Mỹ, một Việt Nam trung lập nhưng hòa giải đối với Mỹ, hoặc thậm chí là một Việt Nam đồng minh, là một mục tiêu đặc biệt quan trọng, bởi vì sẽ giúp kiềm chế Trung Quốc. Đây chắc chắn là một trong những lý do cho sáng kiến ​​của Mỹ. RFI : Liệu sự hợp tác về di sản chiến tranh có tạo nền tảng cho mối quan hệ quốc phòng giữa hai nước sâu sắc hơn không ? Việt Nam có thể vận dụng sự hợp tác này như thế nào để phát triển quan hệ với một cựu thù ? Laurent Gédéon : Hợp tác về di sản chiến tranh chắc chắn rất quan trọng để củng cố quan hệ quốc phòng giữa hai nước. Việc này cũng mang ý nghĩa chính trị nội bộ ở Việt Nam. Tại một đất nước mà cuộc chiến vẫn giữ ý nghĩa biểu tượng rất quan trọng đối với người dân, kể cả các thế hệ về sau, sự hợp tác về di sản chiến tranh này mang lại cho chính quyền tính chính danh chính trị cần thiết trong nỗ lực phát triển quan hệ với cựu thù. Tuy nhiên, sự hợp tác này không phải là động lực duy nhất thúc đẩy mối quan hệ Việt-Mỹ. Ngoài di sản chung của chiến tranh, mối quan hệ đó còn được thúc đẩy bởi thực tế cụ thể của bối cảnh địa-chiến lược hiện tại trong khu vực, được đánh dấu bằng sự trỗi dậy của Trung Quốc. Chỉ riêng thực tế này cũng rất thuận lợi cho việc thúc đẩy các cuộc đàm phán giữa hai nước. Đọc thêmHoa Kỳ muốn hợp tác giúp Việt Nam có đủ vũ khí để tự vệ Các cuộc đàm về việc mua 24 chiến đấu cơ F-16, được tiết lộ ngày 22/04, cũng phải được đặt trong bối cảnh này. Mặc dù khởi đầu đầy hứa hẹn nhưng thỏa thuận lại không tiến triển trong chuyến thăm Hà Nội của bộ trưởng Pete Hegseth. Tuy nhiên, thất bại này không liên quan - hoặc chỉ liên quan tối thiểu - đến vấn đề ký ức lịch sử và di sản chiến tranh như vừa đề cập ở trên. Đó là lý do tại sao tôi nói rằng còn có những yếu tố tác động khác. Thật vậy, cần phải nói là song song với đàm phán Việt-Mỹ, nhiều cuộc đàm phán khác cũng diễn ra giữa Hà Nội và Matxcơva để Việt Nam mua chiến đấu cơ của Nga. Báo New York Times đưa tin vào ngày 27/10 rằng Hà Nội đã đặt mua vũ khí Nga trị giá 8 tỷ đô la, trong đó có 40 chiến đấu cơ Su-35 và Su-30. Nếu được xác nhận, hợp đồng này chứng minh hai điều : Thứ nhất, sự xích lại gần nhau ngày càng sâu sắc giữa Hà Nội và Matxcơva, và thứ hai, những thắc mắc của Việt Nam liên quan đến mức độ tin cậy lâu dài của Mỹ. Tuy nhiên, vì Washington hiểu rằng Việt Nam đã tăng cường quân sự đáng kể trong những năm gần đây, với ngân sách quốc phòng hiện chiếm gần 2% GDP, cho nên rất có thể Mỹ sẽ tiếp tục nỗ lực xích lại gần hơn bằng cách dựa vào những nền tảng được đặt ra trong hợp tác song phương về di sản chiến tranh, cũng như những chương trình hợp tác khác. RFI : Trong cuộc đối thoại ngày 02/11, bộ trưởng Quốc Phòng Việt Nam cũng bày tỏ mong muốn Mỹ tiếp tục hỗ trợ Việt Nam đào tạo nguồn nhân lực chất lượng cao trong lĩnh vực quốc phòng và chia sẻ kinh nghiệm về an ninh mạng. Đâu là mục đích của Việt Nam trong việc này ? Laurent Gédéon : Đây là điểm đáng chú ý, bởi vì từ một năm nay, Việt Nam giữ vị thế nổi bật trong lĩnh vực an ninh mạng. Ngày 24/12/2024, Đại Hội Đồng Liên Hiệp Quốc chính thức thông qua Công ước Liên Hiệp Quốc về Chống Tội phạm Mạng và chỉ định Hà Nội là địa điểm tổ chức ký kết. Lễ mở ký Công ước Hà Nội được tổ chức ngày 25 và 26/10/2025. Sự kiện này đánh dấu một bước ngoặt quan trọng trong hợp tác quốc tế về an ninh mạng, đồng thời phản ánh tầm quan trọng đặc biệt cho ngành ngoại giao Việt Nam. Theo báo cáo của Liên Hiệp Quốc, thiệt hại kinh tế hàng năm trên quy mô toàn cầu do tội phạm mạng dự kiến ​​vượt quá 10.000 tỷ đô la Mỹ vào năm 2025, với hàng triệu cuộc tấn công mạng xảy ra mỗi ngày. Đọc thêmHơn 60 nước ký kết Công ước chống Tội phạm Mạng tại Hà Nội, nhiều tập đoàn kỹ thuật số tẩy chay Tại Việt Nam, cũng như nhiều nơi khác trên thế giới, tội phạm mạng ngày càng gia tăng về quy mô và tính chất phức tạp về bản chất, cũng như tác động. Theo thiếu tướng Lê Xuân Minh, cục trưởng Cục An ninh mạng và Phòng chống tội phạm mạng, bộ Công An, năm 2024 đã xảy ra hơn 100.000 sự cố an ninh mạng. Tội phạm mạng chuyển hướng từ các cuộc tấn công đơn lẻ, quy mô nhỏ sang hoạt động xuyên quốc gia được tổ chức bài bản, nhắm vào các hệ thống quốc gia trọng yếu và các doanh nghiệp kinh tế lớn. Đầu tháng 12/2025, bộ Công An cũng đã cảnh báo về sự gia tăng nhanh chóng của các video và hình ảnh được AI tạo ra sau trận lũ lụt ở miền Trung Việt Nam một tuần trước đó. Rõ ràng đây là vấn đề dân sự. Nhưng vì có tính chất hỗn hợp, những vấn đề này thường đan xen giữa lĩnh vực dân sự và quân sự, hoặc thậm chí là an ninh dân sự và quốc phòng. Trong bối cảnh đó, Hoa Kỳ - quốc gia sở hữu một trong những chuyên môn hàng đầu thế giới trong lĩnh vực này - rõ ràng có thể hỗ trợ Việt Nam, nếu Hà Nội yêu cầu, dưới hình thức đào tạo chuyên gia, cung cấp chuyên gia, chia sẻ dữ liệu số, xây dựng năng lực, thậm chí là hội nhập vào các mạng lưới quốc tế. Tuy nhiên, để đi xa hơn trong quá trình hợp tác này, ví dụ, liên quan đến việc chia sẻ kinh nghiệm từ xung đột Ukraina, có lẽ Việt Nam sẽ phải thay đổi triệt để các ưu tiên chiến lược và ngoại giao, trong đó có việc Hà Nội có thể sẽ phải tách khỏi Matxcơva và xích lại gần Washington, điều này sẽ đưa Việt Nam vào quỹ đạo đồng minh hoặc bán đồng minh của Mỹ. Nhưng đó sẽ là sự thay đổi mô hình mà Hà Nội có lẽ chưa sẵn sàng vào thời điểm này, cho dù được Washington khuyến khích. Do đó, hợp tác Mỹ-Việt trong lĩnh vực an ninh mạng nhiều khả năng sẽ vẫn ở mức độ hạn chế. RFI Tiếng Việt xin chân thành cảm ơn nhà nghiên cứu địa-chính trị Laurent Gédéon, giảng viên Trường Sư phạm Lyon (ENS Lyon), Pháp. (1) Hoa Kỳ mở rộng hợp tác quốc phòng Hoa Kỳ - Việt Nam với việc bàn giao máy bay huấn luyện T-6C (2) Hoa Kỳ chuyển giao tàu tuần tra thứ ba cho Cảnh sát Biển Việt Nam nhân kỉ niệm 30 năm quan hệ ngoại giao

VOV - Sự kiện và Bàn luận
Tiêu điểm - Tổng Bí thư: Dự báo đúng tình hình, làm tốt công tác tham mưu chiến lược với QUTW, BQP

VOV - Sự kiện và Bàn luận

Play Episode Listen Later Dec 8, 2025 5:49


VOV1 - Tổng Bí thư Tô Lâm yêu cầu, tập trung xây dựng Lực lượng vũ trang Quân khu 9 cách mạng chính quy, tinh nhuệ, hiện đại, lấy xây dựng về chính trị làm cơ sở để nâng cao chất lượng tổng hợp và sức mạnh chiến đấu.

VOV - Việt Nam và Thế giới
Tin trong nước - Thúc đẩy hợp tác chiến lược đào tạo, bồi dưỡng và nghiên cứu đánh giá cán bộ Việt Nam – Nga

VOV - Việt Nam và Thế giới

Play Episode Listen Later Dec 8, 2025 0:35


VOV1 - Chiều nay (8/12), tại Hà Nội, GS.TS Nguyễn Xuân Thắng, Ủy viên Bộ Chính trị, Giám đốc Học viện Chính trị quốc gia Hồ Chí Minh, Chủ tịch Hội đồng Lý luận Trung ương tiếp và làm việc với Đoàn đại biểu Học viện Hành chính công và Kinh tế quốc dân trực thuộc Tổng thống Liên bang Nga (RANEPA)Đoàn đại biểu Học viện Hành chính công và Kinh tế quốc dân trực thuộc Tổng thống Liên bang Nga (RANEPA) do ông Alexey Komissarov, Giám đốc Học viện làm Trưởng đoàn.Tại buổi tiếp, làm việc, Giáo sư, Tiến sĩ Nguyễn Xuân Thắng nhấn mạnh buổi làm việc diễn ra trong bối cảnh năm 2025 là năm kỷ niệm 75 năm quan hệ ngoại giao hai nước; đánh giá cao quan hệ hợp tác giữa hai bên, đặc biệt là sau chuyến thăm của Tổng Bí thư Tô Lâm sang Liên bang Nga và việc Tổng Bí thư vinh dự nhận bằng Giáo sư danh dự của RANEPA.Tại buổi tiếp, hai bên đã cùng nhìn lại những kết quả hợp tác thực chất trong thời gian qua. Giám đốc Học viện Hành chính công và Kinh tế quốc dân trực thuộc Tổng thống Liên bang Nga Alexey Komissarov cho biết, ngay sau khi ký kết biên bản ghi nhớ vào tháng 5, hai Học viện đã triển khai ngay các hoạt động cụ thể. Trong năm nay, 4 chương trình hợp tác đào tạo đã được thực hiện. Đáng chú ý, tháng 9 vừa qua, Học viện Chính trị quốc gia Hồ Chí Minh đã tổ chức khóa đào tạo cho 30 cán bộ thuộc lực lượng dự bị quản lý cấp Liên bang của Nga; và tháng 10, Học viện Hành chính công và Kinh tế quốc dân trực thuộc Tổng thống Liên bang Nga đã đón đoàn cán bộ của Việt Nam sang phát triển chuyên môn. Hiện tại, Học viện Hành chính công và Kinh tế quốc dân trực thuộc Tổng thống Liên bang Nga đang tiếp tục tổ chức hai chương trình đào tạo cho công chức hành chính Liên bang Nga ngay tại Học viện Chính trị quốc gia Hồ Chí Minh. Ông Alexey Komissarov, Giám đốc Học viện Hành chính công và Kinh tế quốc dân trực thuộc Tổng thống Liên bang Nga cbo biết:“Tôi trân trọng cảm ơn chất lượng cao của các diễn giả của Việt Nam. Sự tham gia sâu sát và tận tâm của giảng viên Việt Nam giúp các công chức Nga có cơ hội tìm hiểu về các văn kiện, chiến lược trong lĩnh vực quy hoạch; đặc điểm của cải cách hành chính; công nghệ đổi mới cũng như chính sách kinh tế xã hội của Việt Nam. Sau khi kết thúc khóa học như thường lệ, chúng tôi thu thập phản hồi từ từng học viên và dự án đã nhận được những đánh giá tích cực"

Let's Talk About Mental Health
Dreading the holidays? Here's how to get through (Episode 311)

Let's Talk About Mental Health

Play Episode Listen Later Dec 7, 2025 24:58


Dreading Christmas and the holidays? Worried about how to deal with family drama? Going through loss and grief at Christmas? If Christmas and the holidays leave you feeling numb, angry, frustrated, or quietly thinking “I hate Christmas” while everyone else plays happy families then this episode of the Let's Talk About Mental Health podcast is for you (and me, since I struggle with surviving the holidays too).This week I'm talking about the Christmas blues (or ‘holiday blues' if you prefer), and what to do when issues like grief during the holidays, family drama, and loss during the holidays turn December into something you're dreading. I'll share practical holiday stress tips and simple holiday stress management ideas to help you start coping with the holidays in a calmer and kinder way (or at least in a way that you can keep your sanity!) even if you're dealing with a toxic family reunion or ongoing family conflict. You'll also find it helpful if you're looking for holiday depression tips or you just find this time of year emotionally exhausting. 

Terminal Value
Burning Down the Monster: Why Darnyelle Jervey Harmon Walked Away from a Seven-Figure Business

Terminal Value

Play Episode Listen Later Dec 5, 2025 27:28


In this episode, business transformation powerhouse Dr. Darnyelle Jervey Harmon joins me to talk about the moment she looked at her wildly successful company… and realized she hated it.This isn't a story about hustle culture or “girlboss bounce-backs.”It's about bankruptcy, rebuilding with intention, and choosing a business that loves you back.We break down the difference between scaling and self-sacrifice, how money exposes what you haven't healed, why “more clients” isn't the strategy people think it is, and how Darnyelle rebuilt a seven-figure company in two years—this time without losing her health, relationships, or sanity.We dig into the metaphysics of money, the courage to kill a successful business, and what it really means to lead with soul.No clichés. No hustle theatre.Just clarity, candor, and the blueprint for a business that pays well and preserves your life.TL;DR* Success ≠ Sustainability: A seven-figure business can still be a monster.* Burnout math: Saying yes for money creates commitments you eventually suffocate under.* Money as a mirror: It amplifies what you haven't healed—not what you hope for.* One offer > Seven streams: She rebuilt to millions with one $35–40k offer and 35 clients.* Speaking still prints leads: Free or paid—stages can generate six figures if used strategically.* Rebuild rule #1: Sit down. Breathe. Get clear. Desire before strategy.* Work ≠ worth: Your business should love you back—or it's not success.What We Cover* Filing bankruptcy after her first year in business* Working full-time while rebuilding clarity* Scaling to seven figures… then realizing she hated the Frankenstein she'd created* Walking away from all previous commitments to start over* Designing a life-first, soul-centered business* Building the Move to Millions method* Why most entrepreneurs overcomplicate revenue* How she books paid speaking gigs year-round* The discipline of 90 minutes of BD/day* Turning free stages into predictable clientsMemorable Lines* “I didn't build a business. I built a monster.”* “Money amplifies everything you haven't healed.”* “I stopped pitting myself out for revenue.”* “Clarity comes when you sit down long enough to breathe.”* “You don't need seven income streams—you need one that works.”GuestDr. Darnyelle Jervey Harmon — CEO of Incredible One Enterprises, creator of the Move to Millions method, business transformation leader helping entrepreneurs scale sustainably.LinkedIn: https://www.linkedin.com/in/darnyellejerveyharmon/Website: https://movetomillions.com/podcast/Why This MattersIf you want a business that lasts—one that doesn't wreck your body, your marriage, your joy, or your sanity—you must stop chasing complexity and start designing for reality:* a business model that respects your energy* one clear offer that can scale* money earned without martyrdom* self-care as strategy, not luxuryThis episode is the roadmap for founders ready to rebuild without burning down.Call to ActionIf this conversation lit something up for you, don't just let it fade. Come join me inside the Second Life Leader community on Skool. That's where I share the frameworks, field reports, and real stories of reinvention that don't make it into the podcast. You'll connect with other professionals who are actively rebuilding and leading with clarity. The link is in the show notes—step inside and start building your Second Life today.https://secondlifeleader.com This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit www.dougutberg.com

NTVRadyo
Eve Dönerken - 05 Aralık 2025

NTVRadyo

Play Episode Listen Later Dec 5, 2025 78:54


VietChristian Podcast
Hãy Tỏ Lòng Biết Ơn (Mục Sư Đoàn Trung Tín)

VietChristian Podcast

Play Episode Listen Later Dec 4, 2025


Tựa Đề: Hãy Tỏ Lòng Biết Ơn; Kinh Thánh: Cô-lô-se 3:15; Tác Giả: Mục Sư Đoàn Trung Tín; Loạt Bài: Hội Thánh Truyền Giảng Phúc Âm, Lễ Tạ Ơn

TL's Road House
TL's Road House - Treaty Oak Revival

TL's Road House

Play Episode Listen Later Dec 3, 2025 56:14


This week on TL's Road House, Tracy Lawrence invites Texas country-rock band Treaty Oak Revival onto the bus for a high energy hang full of music, mischief and memories from the road. Originally from Odessa, Texas, the band is made up of Sam Canty (lead singer/acoustic guitar), Lance Vanley (rhythm electric/background vocals), Jeremiah Vanley (lead electric), Dakota Hernandez (bass) and Cody Holloway (drums). These self-proclaimed “rockers with a country accent” have carved out a lane of their own in the Texas and Red Dirt scene, releasing four studio albums, selling out shows and racking up impressive streams while staying true to their homegrown identity. Hop on the bus for a conversation filled with good stories, good laughs and an inside look at one of Texas' most beloved bands.

VOV - Chương trình thời sự
Thời sự 6h 3/12/2025: Tổng Bí thư Tô Lâm kết thúc tốt đẹp chuyến thăm cấp Nhà nước tới Lào

VOV - Chương trình thời sự

Play Episode Listen Later Dec 3, 2025 28:15


- Hôm nay, Quốc hội thảo luận báo cáo của Chính phủ, Chánh án Tòa án nhân dân tối cao, Viện trưởng Viện Kiểm sát nhân dân tối cao, Tổng Kiểm toán nhà nước về việc thực hiện một số nghị quyết của Quốc hội khóa 14 và khóa 15 về giám sát chuyên đề, chất vấn.- Tiếp thu ý kiến của Đại biểu Quốc hội và dư luận xã hội, Chính phủ điều chỉnh khoản 3 Điều 10, Luật Trật tự, an toàn giao thông đường bộ theo hướng:  Xe kinh doanh không bắt buộc phải lắp ghế an toàn cho trẻ.- Venezuela chấp thuận nối lại chuyến bay hồi hương người di cư từ Mỹ.- Ấn Độ yêu cầu cài ứng dụng An ninh mạng của chính phủ trên mọi điện thoại thông minh.- Môn bóng đá nam tại SEAGAME 33 hôm nay khởi tranh với cặp đấu giữa U22 Việt Nam và U22 Lào.Tổng Bí thư Tô Lâm và Phu nhân cùng đoàn đại biểu cấp cao nước ta kết thúc tốt đẹp chuyến thăm cấp Nhà nước tới Lào (ảnh: TTXVN)

VOV - Chương trình thời sự
Thời sự 18h 3/12/2025: Việt Nam có hệ thống an sinh xã hội bao trùm cho người khuyết tật

VOV - Chương trình thời sự

Play Episode Listen Later Dec 3, 2025 56:14


 - Tổng Bí thư Tô Lâm chủ trì buổi làm việc với các Bộ ngành bàn các giải pháp để chăm sóc, hỗ trợ người khuyết tật trong cả nước.- Thủ tướng Phạm Minh Chính và Thủ tướng Lào đồng chủ trì Kỳ họp lần thứ 48 Uỷ ban Liên Chính phủ về hợp tác song phương Việt Nam - Lào. - Quốc hội thông qua Luật Tình trạng khẩn cấp. Luật có hiệu lực thi hành từ ngày 1/7/2026.- Đội bóng đá U22 Việt Nam ra quân tại Seagame 33 với chiến thắng  2-1 trước U22 Lào.- Bỉ bắt giữ cựu đại diện cấp cao của Liên minh Châu âu EU về nghi vấn gian lận liên quan đến các chương trình đào tạo dành cho các nhà ngoại giao trẻ.- Liên hợp quốc cảnh báo tăng trưởng toàn cầu năm 2025 giảm do bất ổn tài chính và địa chính trị.Giám đốc Tổ chức Lao động Quốc tế (ILO) tại Việt Nam, bà Park Sinwon, nhấn mạnh an sinh xã hội để bảo vệ, đồng thời là nền tảng trao quyền. Khi người khuyết tật được tiếp cận an sinh xã hội đầy đủ và có cơ hội việc làm ý nghĩa, họ có thể tham gia trọn vẹn, đóng góp cho xã hội...

Tám Sài Gòn
Tạ Lâm & Hồng Thanh kể chuyện đóng cảnh nóng & bị ngất xỉu khi quay Thai chiêu tài

Tám Sài Gòn

Play Episode Listen Later Dec 2, 2025 84:00


Đạo diễn Trần Nhân Kiên, diễn viên Hồng Thanh và Tạ Lâm kể hậu trường quá trình thực hiện phim "Thai chiêu tài" ---------------------------------#8saigon #thaichieutai #hongthanh #talam #phimkinhdi

VOV - Chương trình thời sự
Thời sự 18h 2/12/2025: Lễ kỷ niệm 50 năm Quốc khánh nước Cộng hòa Dân chủ Nhân dân Lào

VOV - Chương trình thời sự

Play Episode Listen Later Dec 2, 2025 56:07


- Tổng bí thư Tô Lâm, phu nhân và đoàn đại biểu cấp cao Việt Nam dự lễ kỉ niệm diễu binh, diễu hành, chào mừng 50 năm Quốc khánh nước Cộng hòa Dân chủ Nhân dân Lào. Nhân dịp này, hai bên đã ra tuyên bố chung, nhất trí làm sâu sắc hơn mối quan hệ Việt Nam – Lào lên tầm cao mới, là quan hệ “Hữu nghị vĩ đại, đoàn kết đặc biệt. hợp tác toàn diện, gắn kết chiến lượng”.- Thảo luận về Chương trình Mục tiêu quốc gia nâng cao chất lượng giáo dục 2026–2035, các đại biểu Quốc hội đề nghị tập trung đầu tư vùng khó khăn, thu hẹp khoảng cách vùng miền, cơ cấu lại vốn giai đoạn 2026–2030, hoàn thành kiên cố hóa phòng học, bổ sung giáo viên và nhà công vụ.- Từ hôm nay, chính thức triển khai thanh toán qua mã QR giữa Việt Nam và Trung Quốc.- Ngành y học sơ sinh Việt Nam vừa đạt được một bước tiến quan trọng khi Bệnh viện Hùng Vương, thành phố Hồ Chí Minh cứu sống một bé gái sinh non ở tuần thai thứ 23, nặng chỉ 640gram.- Tổng thống Hàn Quốc Li-Chê-Miêng đề xuất khôi phục các kênh liên lạc với Triều Tiên.- Trung Quốc tổng rà soát an toàn cháy nổ nhà cao tầng trên phạm vi toàn quốc, sau vụ hỏa hoạn nghiêm trọng xảy ra tại Hong Kong, khiến ít nhất 151 người thiệt mạng.

Tobin, Beast & Leroy
(HR 2) You're a garden tool Lane Kiffin

Tobin, Beast & Leroy

Play Episode Listen Later Dec 1, 2025 42:53


In the second hour of the show, T&L talk about Lane Kiffin leaving Ole Miss for LSU and trying to coach Ole Miss in the college football playoffs and the craziness that happened this weekend in Oxnard and Baton Rouge. They talk more about Heat loss to the Detroit Pistons on Saturday night. Heat nation is upset with boy wonder Tyler Herro who just came back from injury. Is it time to trade Tyler? Lastly, Leroy gives out his Game Balls and Game Bums from this past Thanksgiving.

Tobin, Beast & Leroy
(HR 4) What's up with Nikola Jovic's recent struggles?

Tobin, Beast & Leroy

Play Episode Listen Later Dec 1, 2025 37:37


Final Hour of the show, T&L talk about Miami Heat young forward Nikola Jovic who has been struggling recently. Niko is a favorite of Tobin's but is he about to be labeled a "Fat Cat. "

Tobin, Beast & Leroy
(HR 1) Canes made their case for College Football Playoff

Tobin, Beast & Leroy

Play Episode Listen Later Dec 1, 2025 40:00


In the first hour of the show, T& L discuss what went on this past Thanksgiving weekend. The Dolphins beat the Saints 21-17to stretch their winning streak to 3 and winners of 4 out of their last games. Though they won why does it feel like they lost. Why does the last victories feel like they lost? They talk about the poor play of QB Tua Tagovailoa recently and Leroy say something we never thought he would say about Tua? The Miami Hurricanes beat the Pittsburgh Panthers in a blowout on Saturday and made a compelling case to be in the College Football Playoffs. Can the College Football Playoff Committee deny that the U is one of the top 12 teams in college football? The Miami Heat are back in action after their 6 game winning streak was snapped by the Pistons on Saturday. They take on the LA Clippers at the Kaseya Center.

Talking Smack 415
Talking Smack 415 December's Energetic Forecast: Maia's Take

Talking Smack 415

Play Episode Listen Later Dec 1, 2025 18:47


December is here and when Jamie the Great and I sit down with Maia in Talking Smack's 415 Energetic forecast Maia's take, we learn it's giving  “horse sprinting at full speed” energy… but the actual message?Slow. Down.The year flew by, the holidays are chaos, and it's tempting to keep galloping so you don't have to feel your feelings — but nope. December wants you to pause and actually process the good, the hard, and the “WTF was that?” moments.Maia says this quote is MLK but it may actually be Pittak Elk says:“It's the bumps that help you climb.”Every bumpy moment this year was you leveling up. New level, new devil — but also new power. Tarot Card: The Sun… AGAINThe Sun card popped up again this month, which means the universe is like: “Did you get the message or do I need to say it again?”Themes:creativityjoyclaritywishes coming truestepping into your actual magicIf you shrugged it off last month… December is doubling down.Rumi MomentRumi's The Guest House is the vibe: Let all the emotions in. Even the uninvited ones. They're messengers, not punishments.Flower of the Month: White LilyPurity. Grace. Rebirth. A soft reset for your whole system.TL;DR December EnergySlow down enough to actually feel thingsReflect without judging yourselfHonor the bumps — they built your strengthCreativity + joy = front and centerRebirth energy is loadingYou're ending 2025 wiser, louder, and way more youShare this episode with your friends and family who love to laugh. Subscribe to Talking Smack 415 and leave us a rating and review so more peeps can find us for laughter and friendship to feed your soul!

Let's Talk About Mental Health
Money stress is hijacking your peace of mind — how to deal with the cost of living (Episode 310)

Let's Talk About Mental Health

Play Episode Listen Later Nov 30, 2025 24:55


Is money stress making every week feel like a fight you didn't sign up for? Cost of living tips not really cutting it? Well, we need to talk about money and mental health… not to mention the cost of living and mental health!In this episode of the Let's Talk About Mental Health podcast with Jeremy Godwin, I look at how the cost of living is out of control and what that does to your mind and body. I break down why financial anxiety triggers threat mode, how money worries create decision fatigue, and why shame keeps you stuck (and makes it tough to work on your financial wellness). I'm sharing practical ways to cope with financial stress that focus on better mental health first: a simple 10-minute weekly reset I use, quick calming practices for your nervous system, and realistic boundaries you can set to protect your peace while you deal with the numbers. If you're overwhelmed by rising costs and tired of feeling on edge, this is for you. 

Terminal Value
Money ≠ Success: How Meaning, Flexibility & Real Life Redefine Winning

Terminal Value

Play Episode Listen Later Nov 29, 2025 34:32


From Wall Street's “culture of no” to early-Google hypergrowth to building a consulting business in Memphis with three kids, Meg lived the arc most founders dream about—and learned that money is only one measurement. Freedom, contribution, intellectual fulfillment, and time with family often matter far more.In this episode, we trace her journey from HR leader to entrepreneur, why business development is the real gauntlet, how networks—not algorithms—actually create opportunity, and why the ability to choose your work may be the highest form of wealth.We talk about corporate identity, the loneliness of early consulting, the illusion of digital shortcuts, and the gift of designing your life around family—especially when life throws real-world challenges like caring for a dying parent.No clichés. No hustle fantasy.Just the reality behind “success”—and why meaning often pays in different currencies.TL;DRSuccess isn't salary: Impact, thought leadership, and flexibility often matter more than income.Corporate → Startup → Consulting: Three worlds, three definitions of achievement.Network beats algorithms: You don't get clients—or jobs—from LinkedIn applications. You get them from people.Business dev never stops: Land a client → get busy → pipeline dries up → repeat.Life design is wealth: The freedom to choose work, time, and commitments is a form of success money can't buy.Lean thinking > corporate thinking: Consultants who've lived outside the safety net think clearer, simpler, and more efficiently.Legacy isn't money: Books, models, and ideas can become your version of “immortality.”Memorable Lines“Starting a business teaches you everything you never knew you didn't know.”“You can apply for 2,000 jobs online and hear nothing—your network is your real résumé.”“Consulting is freedom, but freedom comes with the cost of building your own pipeline.”“My definition of success now is simple: choice.”“Thought leadership is being known for what your mind creates—not for who signs your paycheck.”GuestMeg Crosby — Former Wall Street & Google People Ops leader turned consultant; co-author of Running the Gauntlet, corporate board member, and advisor to organizations seeking modern talent, culture, and people-strategy practices.

Terminal Value
From Managing Money to Making Media — Why Your Second Act Might Be Your Real One

Terminal Value

Play Episode Listen Later Nov 28, 2025 40:03


Most people treat their career pivot like a crisis. Adam approached his like compounding interest — small, consistent moves that eventually broke the equation. We talk about the finance industry's myths (no, you are not beating the market), why sharing your story works even when you think you're “not that person,” how giving away thousands of books became a growth engine, and why content creation is the new credibility layer for every entrepreneur.We explore the second-life moment: when you've spent years mastering one system only to realize the next version of you is waiting in a completely different world. Adam's journey from “professional low-stakes grifter” (his words for financial advisors) to founder of a fast-growing media company is a case study in paying attention to what starts pulling you forward.This isn't a story about leaving finance. It's a story about finally doing work that compounds in every direction.TL;DR* No one beats the market: Most managed-money careers hide behind complexity; transparency wins.* Your story is an asset: A book isn't a $5 product — it's a credibility accelerant.* Content scales trust: Podcasting, writing, and storytelling create leverage regulated industries never allow.* Pivots aren't leaps: They're a series of realizations you can't unknow.* Second-life careers reward clarity: When you know what you can do exceptionally well, the right path becomes obvious.Key Themes1. The Finance IllusionAdam spent 14 years across every side of the money-management business — IRA departments, CFP work, retirement plans, running his own RIA. The deeper he went, the clearer the hard truth became:Complexity sells. Simplicity performs.Most investors would do better with a simple S&P split and quarterly rebalancing than paying a point-plus in fees. The industry doesn't like that sentence.2. The Accidental AuthorAdam wrote his first book because his mentor forced him to.He didn't believe in $5 products.He didn't believe in writing books.He definitely didn't believe he had a story worth telling.But giving away thousands of books changed everything:* Attracted assets* Opened doors* Taught him the power of simple ideas (compound interest, APR, basic personal finance)* Showed him that people are starving for clarity, not complexityStories scale. Silence doesn't.3. When Others Ask You to LeadPeers started asking Adam to help them publish books — CEOs, business owners, professionals.He thought it was absurd.But the model worked: anthology-style, collaborative, marketing budget pooled, broad distribution.What started as a side experiment became a series that has now published 400+ authors.4. The Media PivotWith books working and the podcast exploding, Adam faced a choice:Try to run two careers poorly, or choose one and let it compound.He chose media. Nine years later, that call looks obvious.5. The Bigger RealizationMoney is an accounting entry for resource ownership.But we're consuming resources at an unsustainable pace to create more accounting entries.Every financial system eventually resets.What matters isn't the illusion of compounding — it's the relationships, reputation, and value you build that survive resets.Memorable Lines* “If you can market yourself in finance, you can grow 10x faster in a non-regulated industry.”* “I thought broke people wrote books — turns out authors build trust faster than anyone.”* “You don't need to beat the market; you need to beat obscurity.”* “I'm not Elon. I can do one thing really well — that's it. And that's enough.”* “Content is the new credibility. Silence is the new obscurity.”GuestAdam Torres — Media Founder, Author, PodcasterCo-founder of Mission Matters, publisher of hundreds of books and host of nationally distributed business podcasts. Former CFP and RIA owner turned media-builder helping entrepreneurs amplify their stories.LinkedIn: https://www.linkedin.com/in/adamtorres8/Website: https://missionmatters.com/Why This MattersBecause your second life might not look like an escape — it might look like leverage.Adam's story shows that the skills you build in one industry become unstoppable when combined with storytelling, ownership, and the courage to pivot.If you want a career that compounds — not just capital but impact, relationships, opportunities — you have to build something the system can't reset: your voice, your story, your platform.Call to ActionIf this conversation lit something up for you, don't just let it fade. Come join me inside the Second Life Leader community on Skool. That's where I share the frameworks, field reports, and real stories of reinvention that don't make it into the podcast. You'll connect with other professionals who are actively rebuilding and leading with clarity. The link is in the show notes—step inside and start building your Second Life today.https://secondlifeleader.com This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit www.dougutberg.com

DTC POD: A Podcast for eCommerce and DTC Brands
365 - From Clicks to Bricks: How Digitally Native Brands Go Massive in Retail

DTC POD: A Podcast for eCommerce and DTC Brands

Play Episode Listen Later Nov 28, 2025 58:57


Martin Forde is the co-founder and partner at Highline Brands, a retail brokerage built for modern CPG and emerging brands. As the first sales hire at Dr. Squatch, he helped lead the brand's Walmart launch—which did over $50M in year one and set the foundation for a $1.5B exit to Unilever.In this episode of DTC Pod, Martin shares the full playbook for making the leap from DTC to retail. He breaks down how to evaluate which channels make sense, what buyers actually care about (hint: it's not your brand), how to pitch them, and how to choose the right brokerage partner. He also gets into the operational side: how deals are structured, why retail timelines take longer than most founders expect, and what actually drives velocity on shelf.Episode brought to you by StordInteract with other DTC experts and access our monthly fireside chats with industry leaders on DTC Pod Slack.On this episode of DTC Pod, we cover:1. When to consider retail (and when you're not ready)2. Independent retail vs. major retailers: where to start3. The old DTC-first playbook vs. the new hybrid approach4. Understanding your consumer and choosing the right retailer5. What buyers actually care about (hint: category growth, not your brand)6. Three ways to reach buyers: cold outreach, inbound, or through a broker7. Why and when to say no to a retailer8. How brokers work: deal structures, retainers vs. commission, red flags9. The 9-12 month timeline from first conversation to shelf10. Merchandising and digital tactics that drive velocity on shelfTimestamps00:00 Martin Forde's background and experience in CPG03:14 Launching and scaling brands into retail04:20 Key lessons from Dr. Squatch retail rollout07:30 Dr. Squatch's early days and pent-up retail demand09:39 Defining “why retail” and evaluating retail opportunities10:38 Understanding independent retail channels and platforms15:14 Retail supply chain basics: MOQs, case packs, and 3PLs17:46 Testing and iterating supply chain through small-scale channels18:56 Leveraging online marketplaces (Faire, Thrive, Bubble)23:33 Deciding when to break into retail; timing and strategy24:44 Comparing DTC-first and direct-to-retail playbooks29:28 Raising capital, prepping for retail, and first retail sale process30:57 How to approach retail buyers and pitch34:03 Different ways to reach retail buyers: direct outreach, inbound, brokerages39:51 Working with brokers: models, deal structures, and choosing a partner50:29 Preparing retail pitch materials and buyer presentations51:39 Identifying category white space and incremental value54:53 Merchandising and digital tactics for retail success57:06 Where to connect with Martin Forde and closing thoughtsShow notes powered by CastmagicPast guests & brands on DTC Pod include Gilt, PopSugar, Glossier, MadeIN, Prose, Bala, P.volve, Ritual, Bite, Oura, Levels, General Mills, Mid Day Squares, Prose, Arrae, Olipop, Ghia, Rosaluna, Form, Uncle Studios & many more.  Additional episodes you might like:• #175 Ariel Vaisbort - How OLIPOP Runs Influencer, Community, & Affiliate Growth• #184 Jake Karls, Midday Squares - Turning Your Brand Into The Influencer With Content• #205 Kasey Stewart: Suckerz- - Powering Your Launch With 300 Million Organic Views• #219 JT Barnett: The TikTok Masterclass For Brands• #223 Lauren Kleinman: The PR & Affiliate Marketing Playbook• ​​​​#243 Kian Golzari - Source & Develop Products Like The World's Best Brands-----Have any questions about the show or topics you'd like us to explore further?Shoot us a DM; we'd love to hear from you.Want the weekly TL;DR of tips delivered to your mailbox?Check out our newsletter here.Projects the DTC Pod team is working on:DTCetc - all our favorite brands on the internetOlivea - the extra virgin olive oil & hydroxytyrosol supplementCastmagic - AI Workspace for ContentFollow us for content, clips, giveaways, & updates!DTCPod InstagramDTCPod TwitterDTCPod TikTokMartin Forde - Co-Founder of Highline BrandsBlaine Bolus - Co-Founder of CastmagicRamon Berrios - Co-Founder of Castmagic

Little Miss Recap
Landman S2:EP2 Sins of the Father

Little Miss Recap

Play Episode Listen Later Nov 27, 2025 46:33


Amye and Becca recap and review Landman S2:EP2 Sins of the FatherCami works to uncover Monty's secret, Angela and Ainsley cause a stir at the nursing home, but more importantly, we get a lot of father/son drama with TL, Tommy, and Cooper. For ad-free and BONUS episodes, please support the show by signing up for Little Miss Recap PREMIUM:https://www.patreon.com/littlemissrecap or click subscribe on Apple Podcasts!SUPPORT MY SPONSORS!LUMI GUMMIES are consistent, mellow, and super delicious –– Lumi Gummies are specifically designed to make you feel good, not stoned. Lumi Gummies are available nationwide. We have a 30% code for our listeners! Visit www.LumiGummies.com and use code (LITTLEMISSRECAP) for 30% off your order.Listen to my true crime podcast: Murder She Watched at www.murdershewatchedpod.comGet in touch with us:Facebook: https://www.facebook.com/groups/littlemissrecapFacebook group: https://www.facebook.com/groups/littlemissrecapInstagram: @littlemissrecap Voicemail: www.littlemissrecap.comEmail: amye@littlemissrecap.comGrab yourself some Little Miss Recap merch at: https://littlemissrecap.myshopify.com/See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Terminal Value
Becoming Braver, Burning the Old Life, and Why Minimalism Makes Better Entrepreneurs

Terminal Value

Play Episode Listen Later Nov 27, 2025 25:33


In this conversation with entrepreneur and outsourcing leader Carmen Williams, we unpack the moment she walked into work, felt a physical “no” in her stomach, and quit her job that same day. No plan, no runway, no strategy deck—just bravery born from clarity.This episode isn't about hustle culture. It's about permission—to pivot, to shrink your life, to rebuild your identity, and to stop performing your way into burnout.We explore why corporate stability is an illusion, why minimalism creates freedom, how virtual teams scale your capacity, and why the “first hire fantasy” founders chase is usually wrong.We also talk about life after collapse—the rebirth that happens when you stop clinging to the version of yourself that was built to survive, not thrive.No hype. Just the quiet courage of starting over.TL;DR* The brave pivot: Carmen quit her job in one day after realizing life is short and fear is expensive.* Job security is riskier than entrepreneurship: One employer = one point of failure.* Minimalism is leverage: Less stuff, lower burn rate, fewer emergencies.* Founders hire the wrong “clone”: You don't need another visionary—you need a steady executor.* AI + VAs is the winning combo: AI increases the demand for great operators; it doesn't replace them (yet).* Saying “no” builds more trust than yes: Filtering clients improves ROI and reputation.What we unpack1. The moment you stop pretending you have timeCarmen's turning point came when her mother was diagnosed with a terminal illness—20 years older than her. Mortality compresses priorities.She realized: “If I knew I had 20 years left, would I stay here?”Her answer was a clean no.2. The illusion of corporate safetyDoug reflects on climbing into bigger houses and bigger bills—only to realize everything you own also owns a piece of you.Entrepreneurs face volatility monthly.Employees face catastrophe suddenly.Pick your pain.3. Minimalism as a business strategyDoug downsized from 3,800 sq ft → 560 sq ft.Less space. Fewer things. More intention.The easy life is the one with fewer dependencies.4. Why founders hire the wrong personalityEntrepreneurs imagine a “mini-me” assistant—someone spontaneous, creative, high-initiative.What they need is the opposite:A detail-driven operator who finishes what the founder starts.5. How Carmen accidentally built a 100-person outsourcing companyShe hired VAs for her own consulting practice.People kept asking for help.She kept saying no—until the market refused to let her.No website. No pitch deck. Twenty VAs anyway.6. Why AI doesn't replace VAs—it amplifies themHer teams use AI as a force multiplier, not a threat.Training loops, outside experts, and self-directed learning have made her VAs more valuable—not redundant.Memorable lines* “If you only have one income stream, you don't have stability—you have a trap.”* “Minimalism isn't aesthetic. It's leverage.”* “Your first hire shouldn't be you—it should be your opposite.”* “The day you stop pretending you have time is the day you become brave.”* “AI doesn't replace people. It replaces excuses.”GuestCarmen Williams — Founder & CEO of a global outsourcing agency supporting 100+ virtual assistants across multiple industries. Known for helping entrepreneurs scale through operational discipline, delegation frameworks, and mindset shifts around capacity and courage.LinkedIn: https://www.linkedin.com/in/carmenwilliamsau/Website: https://globalteams.com.au/Why this mattersIf you want your second life to work, you can't drag your first-life habits with you.That means:* lower burn rate* fewer possessions* more clarity* better support* braver decisions* honest self-assessmentYou can't rebuild while holding onto the version of yourself that burned out.Call to ActionIf this conversation lit something up for you, don't just let it fade. Come join me inside the Second Life Leader community on Skool. That's where I share the frameworks, field reports, and real stories of reinvention that don't make it into the podcast. You'll connect with other professionals who are actively rebuilding and leading with clarity. The link is in the show notes—step inside and start building your Second Life today.https://secondlifeleader.com This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit www.dougutberg.com

The Dentist Money™ Show | Financial Planning & Wealth Management

In our new TL;DR series episode, Jake reads his blog post where he explains that dividends are periodic payments made by companies to shareholders. He emphasizes that while dividends may feel like "free money," they're actually a return of the company's capital rather than pure profit, meaning your overall wealth may not increase simply by receiving them. Tune in to learn more about how dividends actually work. Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.

Tobin, Beast & Leroy
Leroy's Game Balls & Game Bums, Analytics vs Fundamentals

Tobin, Beast & Leroy

Play Episode Listen Later Nov 24, 2025 20:08


Leroy hands out his Game balls and Game bums from Week of 12 of the NFL. In recapping what went on Sunday, T&L criticize teams and coaches not going for the FG and points on 4th down.

Tobin, Beast & Leroy
(HR 2.) Biting A Little More Than You Can Chew

Tobin, Beast & Leroy

Play Episode Listen Later Nov 24, 2025 41:58


In the second hour of the show, T&L talk about the Miami Dolphins coming off their bye week , getting back on the field to face the New Orleans Saints. The Fins are on a 2 game winning streak and possibly can get some key players back soon like TE Darren Waller in the near future. Can they make a run to the playoffs? Tobin shares about his experience at the jake Paul vs Anthony Joshua fight presser. He is smitten by Anthony Joshua's charisma and thinks that the Jake Paul camp realized that they may have made big mistake. Lastly, Leroy gives out his game balls and game bums.

Tobin, Beast & Leroy
(HR 1.) Heat Beat 76ers ,Getting Tyler Herro Back Tonight, Inter Miami Moves On To ECF, Crazy Week 12 in The NFL

Tobin, Beast & Leroy

Play Episode Listen Later Nov 24, 2025 41:04


In hour 1 of the T&L show, the guys talk about the great weekend locally in sports. The Miami Heat beat the Philadelphia 76ers 127-117 led by Norman Powell and Ke'lal Ware. The Heat are 3rd in the Eastern Conference and are getting Boy wonder back Tyler Herro is schedule to make his 2025 season debut tonight. Lionel Mess show why he is the GOAT, as he scored a goal and had 3 assists to lead Inter Miami to the Eastern Conference Final with a 4-0 win over Nashville. The Panthers are back on the ice tonight on the road against the Nashville Predators puck drops at 8pm. The University of Miami Hurricanes took care of business in Blacksburg vs Va Tech. Now they take on the Pittsburgh Panthers with their CFP chances still up in the air. Tobin & Leroy go over what went on in a crazy week 12 of the NFL.

Terminal Value
Making the Invisible Visible: Cybersecurity, Reinvention, and the Real Risks Leaders Ignore

Terminal Value

Play Episode Listen Later Nov 22, 2025 31:00


In this episode, we use cybersecurity as a lens to expose a truth that every leader forgets: the biggest threats to your company are the ones you can't see—until they take you down.Scott's career mirrors the evolution of tech itself—from software stores in the '80s to early network integration, to building one of the original managed services models before “MSP” was even a phrase. His latest book, Visible Ops for Cybersecurity, reframes the discipline not as an IT function, but as a visibility function: if you can't see it, you can't secure it… and if you can't secure it, you can't scale it.We break down why ransomware is now franchised, why even the best companies get breached, why cyber insurance is becoming a false safety net, and why every founder—yes, even a team-of-one startup—needs a security-first mindset.This isn't fear-mongering. It's leadership.TL;DR* Assume breach. The #1 mistake founders make is believing they're “too small” to be a target.* Backups are not backups unless they're encrypted, immutable, and air-gapped.* Cyber insurance is not protection—44% of claims were denied in 2024.* Reinvention is mandatory. Tech evolves, threats evolve, your systems must evolve.* Visibility beats bravado. Most failures come from what leaders think is secure, not what actually is.Memorable lines* “Security by obscurity died the day ransomware became a franchise.”* “If the best cybersecurity companies get hacked, your only strategy is resilience.”* “Backups aren't safety—they're hope, unless they're air-gapped.”* “Reinvention isn't optional in tech—it's the price of staying alive.”* “Make the invisible visible, or the invisible will make the decision for you.”Key Ideas We Unpack1. Reinvention as a Survival SkillScott turned retail software into network integration, then into managed services, then into cybersecurity leadership.The pattern:Visibility → Competence → Reinvention.Most founders skip the first step and collapse at the third.2. The Modern Threat Landscape Is IndustrializedRansomware now has:* franchises* training* support hotlines* experts who “close the deal” when an amateur hacker gets stuckThis is organized crime with a customer-service department.3. Backups Are the New LifeboatsThreat actors sit inside systems for 60–365 days before triggering an attack.If your backups are not:* encrypted* immutable* air-gappedyou don't have backups—you have illusions.4. Cyber Insurance Is Becoming a Mirage44% of claims denied.Policies are unregulated.Exclusions keep growing.Insurance is no longer a plan—it's paperwork.5. The Startup Founder Version of CybersecurityIf you're a team of one, your mantra is simple:Be good to your future self.Design tools, workflows, and systems with a security-first mindset from day one.The cheapest hack is the one that never becomes possible.6. Visibility Is a Leadership HabitYou can't manage what you can't see.And almost everything that destroys a business—breaches, failures, slow decay, talent risk—starts in the invisible layer.GuestScott Aldridge — President & CEO of IP Services.Cybersecurity author, technologist, MSSP leader, and early pioneer of managed services.Linkedin: https://www.linkedin.com/in/scott-alldridge-1a976/Website: https://ipservices.com/Why This MattersMost founders underestimate risk because they overestimate visibility.If you want a business that survives the next decade, the job is simple:Design for resilience.Assume breach.Back up reality, not hope.Reinvent before the market forces you to.And make the invisible visible—before someone else does.Call to ActionIf this conversation lit something up for you, don't just let it fade. Come join me inside the Second Life Leader community on Skool. That's where I share the frameworks, field reports, and real stories of reinvention that don't make it into the podcast. You'll connect with other professionals who are actively rebuilding and leading with clarity. The link is in the show notes—step inside and start building your Second Life today.https://secondlifeleader.com This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit www.dougutberg.com

FriGay the 13th

Is cooking art? Is it trauma? Is it a gateway to poisoning your enemies? On this week's FriGay the 13th, we're stirring the pot — literally and historically — and diving into why the kitchen might be the scariest room in the house. We kick things off with an opening skit featuring Matty eating pasta like a raccoon behind a 7-Eleven (Andrew's words, not ours). From there, things only escalate.