Podcasts about Yoy

Natalie gets candid about pressing pause on the podcast while on maternity leave. In this intimate solo, she shares the fears behind taking a break, the systems and team that make it possible, and the mindset shifts that let momentum keep compounding even when you step back. If you've ever worried a break would tank your growth, this episode will help you trust your audience, your systems, and yourself. TIMESTAMPS 00:07 - Why this episode is different and the truth about taking a break 00:36 - The pressure to “keep appearances” vs choosing authenticity 01:22 - Integrity over optics and why pretending to be “always on” isn't it 01:50 - Naming the fear that downloads and momentum might drop 02:34 - What's in place before stepping away 05:09 - Automated revenue streams and cash stewardship that stabilize breaks 06:59 - Surprise upside doing even better YOY without pushing for growth 08:21 - Boundaries with partners and comms so nothing falls through the cracks 09:50 - If stepping away feels impossible trusting your audience and your work RESOURCES + LINKS Get My Custom AI As Your 24/7 Chief Marketing Officer, Trained On Over A Decade Of My Business Strategies, $36M+ In Proven Funnels, And My Complete FREEDOM Method™: https://www.bossbabe.com/freedomengine Join The Société: Build Your Freedom-Based Business™ With Systems, Templates, Coaching + Community. Just $97/Month. Imagine Having Natalie As Your CMO, On Call 24/7 To Help You Make The Right Moves In Your Business. That's Exactly What You Get With Bossbabe AI The Freedom Engine™: AI-Powered Strategy And Systems That Show You What To Sell, How To Sell It, And How To Scale - Without All The Guesswork. Learn More And Unlock It Here. Sign Up For Our Free Weekly Newsletter & Get Insights From Natalie Every Single Week On All Things Strategy, Motherhood, Business Growth + More. Drop Us A Review On The Podcast + Send Us A Screenshot & We'll Send You Natalie's 7-Figure Operating System Completely FREE (value $1,997).

Shoot us a Text.Episode #1162: Tesla posts a surprise Q3 sales record, $1,000 car payments are becoming the new normal, Meta plans to use AI chats to make ad targeting more personal than ever.Show Notes with links:Tesla delivered a surprise Q3 record after a rocky first half of the year, beating Wall Street expectations with nearly half a million EVs sold. But with the federal EV tax credit now gone, the question is whether momentum can carry into Q4 and beyond.Tesla delivered 497,099 vehicles, topping estimates of 456,000 and reversing two quarters of declines.Model 3 and Y deliveries rose 9%, while other models dropped 30%.Tesla's energy business hit a record, nearly doubling storage deployments to 12.5 GWh.Rivian also posted a 32% bump, delivering 13,201 EVs in Q3.What used to be unthinkable is now routine: the $1,000-a-month car payment. Nearly one in six new-car buyers are signing up for four-figure notes, a trend driven by rising prices, interest rates, and longer terms — reshaping affordability conversations across the showroom floor.In 2015, only 2.4% of buyers paid $1,000+; that number hit 16.6% in JulySUVs (53%) and pickups (37%) dominate these deals; 5% of all $1,000+ buyers drove off in an F-150.Buyers today face average loans near $42K at 6.8% interest, compared to $28K at 3.9% a decade ago.Longer terms now stretch over 68 months on average, nearly a year longer than 2015.“There are some that are very shocked by the payment,” said Cody Anderson, GSM at Freedom Ford. “Their payment thought process is five years ago compared to now.”Meta is about to supercharge its ad business by tapping into conversations people have with its AI chatbot. Starting December 16, chats with Meta AI will help determine not just what ads users see, but what content fills their feeds across Facebook, Instagram, and WhatsApp.Meta AI chats will feed new ad-targeting signals, similar to posts, likes, and connections.Example: Talk about hiking → expect more hiking ads and related content.The company stresses sensitive topics (politics, religion, health, etc.) won't be used for targeting.Meta earned $46.5B in ad revenue last quarter, up 21% YoY.“Interactions with AIs will be another signal we use to improve people's experience,” Meta said.0:00 Intro with Paul J Daly and Kyle Mountsier1:35 The huge news out of More Than Cars2:48 Tesla Sets Delivery Record5:35 Nearly 17% of Car Payments are $10008:45 Meta Will Use AI Searches To Target Ads To UsersJoin Paul J Daly and Kyle Mountsier every morning for the Automotive State of the Union podcast as they connect the dots across car dealerships, retail trends, emerging tech like AI, and cultural shifts—bringing clarity, speed, and people-first insight to automotive leaders navigating a rapidly changing industry.Get the Daily Push Back email at https://www.asotu.com/ JOIN the conversation on LinkedIn at: https://www.linkedin.com/company/asotu/

Strategic licensing has been a major growth unlock for MyProtein, but hints of an upcoming partnership could take “the world's largest online sports nutrition brand” to a whole other level! THG (aka the company formerly known as The Hut Group) recently updated the public markets by releasing its 2025 H1 interim results. I'll be utilizing that financial information, along with notes I took listening to the earnings conference call, and any relevant publicly disclosed information to obviously update you on the recent performance of THG Nutrition division, which includes the world's largest online sports nutrition brand MyProtein, but also utilize everything as the contextual backdrop for my expanded strategic commentary around global sports nutrition market dynamics and trends. Additionally, for those unfamiliar with the up-to-date THG portfolio configuration…due to the THG Ingenuity demerger action occurring at the end of 2024, it now would be described as a global, cash generative, health and wellness consumer brands group. During the first half of 2025, THG Nutrition revenue was approximately $409 million, which increased 3.1% YoY. And while those aren't necessarily blowout caliber results…THG leadership noted the second quarter had the strongest growth since the first quarter of 2022. Moreover, momentum was said to be broad-based across categories outside of the core protein range, especially in activewear, vitamins, bars, and snacks. But I'll dive into several strategic decisions impacting MyProtein including its global digital sales channel strategy, offline retail expansion efforts, product licensing strategy, and let's just say A LOT is riding on the success of the MyProtein global rebrand. But basically two years after the start of its initial staggered market rollout, the transitionary impacts from the rebrand are now behind Myprotein. THG leadership reaffirmed that customer feedback continues to be promising, with unaided brand recognition for MyProtein now at its highest level to date. More importantly though…THG Nutrition leadership needs to continue paying close attention to key commercial metrics, as it seeks to continue moving upstream in positioning, thus unlocking sales channel diversification opportunities. THG must ensure the rebrand decision is well received by (and generates) brand affinity with those less price-sensitive customers. Additionally, THG leadership hinted at a two-way product partnership with a currently unnamed global confectionery leader launching in the fourth quarter (holiday period). Could it be Ferrero Group or even Mondelez International (after the licensing breakup with GHOST Lifestyle)? But I honestly think the biggest potential win-win partnership would be with Mars, Incorporated. Finally, after the first half of 2025 period ended, THG announced the sale of Claremont Ingredients to Nactarome Group. The flavor company has been a long-standing supplier to Europe's leading nutrition brands, and the deal represents a significant ROI for THG…selling Claremont Ingredients for more than double its initial acquisition price (less than five years later).

Joe's Premium Subscription: www.standardgrain.comGrain Markets and Other Stuff Links-Apple PodcastsSpotifyTikTokYouTubeFutures and options trading involves risk of loss and is not suitable for everyone.0:00 Leaked Texts, Argy, Soybeans4:02 Grain Stocks9:12 Govt Shutdown and Markets10:39 River Levels

Visa's (V) foray into stablecoins is more defensive play than innovative move, says LikeFolio's Landon Swan. Amidst 82% YOY digital engagement growth for Mastercard (MA) following its stablecoin launch, Swan notes Visa's move is a "must-have" to stay competitive, as cryptocurrencies and stablecoins like USDC threaten its transaction business. Despite this, Swan remains bullish on Visa, citing its strong track record of innovation and technological adoption. Swan also points to Visa's impressive share buyback history.======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Joe's Premium Subscription: www.standardgrain.comGrain Markets and Other Stuff Links-Apple PodcastsSpotifyTikTokYouTubeFutures and options trading involves risk of loss and is not suitable for everyone.0:00 What Will Taiwan Buy?3:20 Grain Stocks Report Today4:33 Harvest Update8:24 Soybean Shipment Problem10:25 Better Demand for Russian Wheat11:40 Flash Sales

Episode 150 of Couchonomics with Arjun is here — and it's a milestone.For the very first time, we go to Latin America. My guest: Eduardo Chedid, CEO of PicPay — Brazil's biggest super app and one of the fastest-scaling fintechs in the world.With 60M+ customers, $1B+ in revenues, profits up 7× YoY, and 4,500 employees, PicPay is rewriting the rules of digital banking in one of the most competitive markets on earth.We cover:- Brazil's fintech revolution and the role of regulation- How PicPay scaled from wallet → super app → full-service bank- Why AI and open finance are core to growth- The future of tokenized money and cross-border paymentsThis isn't just a Brazil story — it's a blueprint for the future of finance.Couchonomics with Arjun Season 04 is brought to you by our partners:Adyen https://www.adyen.com/Thunes https://thunes.com/Mastercard https://mastercard.com/E& https://www.eand.com/Digit9 https://www.digitnine.com/SC Ventures https://scventures.io/Hala https://hala.com/Chapters:00:00 Episode Highlights01:11 Welcoming Eduardo Chedd03:29 Brazilian FinTech Landscape11:22 PicPay's Growth and Strategy23:52 AI Integration and Innovations28:25 Organizational Structure and Product Velocity29:23 Ownership and Cross-Functional Integration31:13 Driving Governance and Agile Practices32:36 The Role of Data in Financial Services36:55 The Evolution and Importance of Digital Wallets38:46 Tokenized Money and Future Trends41:59 Competition and Market Focus45:21 Global Insights and Future Plans50:44 Conclusion and Final ThoughtsOur website

Doug spent 3 years building technology before landing real customers. While other startups were growing fast, Ethic was stuck at $5M AUM after two years. Until he found a way to help his customers help them WIN new clients they couldn't land before.That single shift took them to $250M AUM in one year. He reveals why he left investment banking in Australia, sold everything, and moved to the Bay Area within three weeks with no idea what company to start. He pitched over 100 investors to raise early rounds, survived years of building with no traction, and discovered the enterprise sales playbook that unlocked distribution in wealth management. Today Ethic manages $7B and has raised. "If I knew how difficult it would be, maybe I wouldn't have done it." This is the reality of building a decade-long overnight success.Why You Should Listen:Why helping customers win new business is the killer ROIHow to survive a 3-year build phase when everyone else is growing fastWhy you should pitch 100+ investors even if only 5 will say yesHow to figure out distribution and go-to-marketWhy the best value-add investors never pitch their value-addKeywords:startup podcast, startup podcast for founders, Ethic, Douglas Scott, wealth management, ESG investing, fintech, B2B2C, Series A, distribution strategy00:00:00 Intro00:01:47 What Ethic does00:08:15 Leaving Australia for Bay Area with no plan00:17:06 The breakthrough for 5x YoY growth 00:29:42 Three years building with no traction00:38:36 Distribution partnerships unlock growth00:42:44 Finding product-market fitSend me a message to let me know what you think!

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger PictureTrump is imposing tariffs on the rest of countries to bring manufactures back to this the US. The US economy is growing the Fed is going to try to stop the growth by pushing back on the rate cut. The Fed inflation detector shows no sign of runaway inflation. Trump is now pushing the narrative to fire Powell, leverage is the name of the game. The [DS] is panicking, Trump and team are now indicting those who are treasonous to this country. The started out with the lying, he is testing the waters, testing the judges building the narrative for the people of this country. The [DS] players are pushing back by using Antifa. These will intensify over time and Trump will counter the insurgency/insurrection with the military. The military is the only way, buckle up.   Economy (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");  Trump Imposes 25% Tariff On Imported Heavy Trucks Starting Oct. 1 Deborah Elms of the Hinrich Foundation said the sweeping tariffs leave major questions unanswered, including whether they comply with existing trade agreements, but predicted they would “almost certainly drive up prices for American buyers.” Source: zerohedge.com Mexico is the largest supplier of medium- and heavy-duty trucks to the U.S., followed by Canada, Japan, Germany, and Turkey. Heavy-truck shipments from U.S. plants climbed from a low of $1.1 billion in April 2020 to $3.2 billion this July, though they have dipped modestly this year, Federal Reserve data shows.   Fed cautious on rate cuts as GDP surges; warns of potential inflation risks Federal Reserve Chair Jerome Powell has stressed that the central bank will weigh the GDP numbers carefully as it considers future rate cuts. “If we ease too aggressively, we could leave the inflation job unfinished and need to reverse course later,” Powell said. Source:  13wham.com  Fed's Favorite Inflation Indicator Shows No Sign Of Runaway Tariff Costs, As Savings Rate Slides  After a modest increase two months ago, and a steady print in July, analysts expected headline PCE to be steady at +2.6% YoY in August and Core PCE - the Fed's favorite indicator - to also be unchanged at 2.9% YoY... and the numbers all came in right in line with expectations. Indeed, "as expected" is the them of this morning's data with headline and Core PCE both matching expectations and staying in the same range they have been in for two years... not exactly the Trump Tariff terror future that every "respected" economist predicted. All those expecting a bounce in Durable Goods inflation will have to wait another month: in August it actually declined again, as did Nondurable Goods, while Services costs increased the most.  On the income side, there was more good news: after outpacing the private sector for nearly three years, wage growth of private workers (5.0% YoY) is once again rising faster than government workers. In fact, government worker wage growth of 4.2% was the lowest since August 2021.   Source: zerohedge.com    Political/Rights BREAKING: Sinclair Caves, Will Bring Jimmy Kimmel's Show Back 

Wall St closed higher on Friday after personal consumption price index, the Fed's preferred measure of inflation, came in as expected at 2.9% for the month of August. The major indices snapped a 3-day losing streak on Friday with the S&P500 rising 0.6%, while the Nasdaq added 0.44% and the Dow Jones ended the day up 0.65%, but for the week the key indices each posted a loss.In Europe on Friday markets closed mostly higher led by the French CAC and FTSE 100 rising 0.97% and 0.96% respectively while the STOXX 600 added 0.8% and Germany's DAX ended the day up 0.87%.Across the Asia region on Friday markets closed lower as investors assessed the 100% healthcare tariffs announced by Trump and continue to monitor trade tensions between the world's largest economies. Hong Kong's Hang Seng fell 1.35%, India's Nifty 50 declined 0.95%, Japan's Nikkei lost 0.87% and South Korea's Kospi index ended the day down 2.45%.Locally on Friday the ASX200 posted a 0.17% rise on Friday as a materials rally offset weakness among healthcare and utilities stocks.Healthcare stocks tumbled on Friday after President Trump announced 100% tariffs on pharmaceutical companies.Pro Medicus (ASX:PME), CSL (ASX:CSL) and Telix (ASX:TLX) dropped between 2% and 3% on Friday, and even Mesoblast (ASX:MSB) and Clarity Pharmaceuticals (ASX:CU6) were caught up in the sell off despite both companies confirming their products were exempt from the new tariffs.Vulcan Energy (ASX:VUL) jumped 15% on a new contract signing to the value of $179m with a consortium to develop and build a geothermal power plant in Germany, while IperionX (ASX:IPX) rose 5.4% after receiving an additional US$25m award from the US department of War to strengthen the country's defence strategy. What to watch today:On the commodities front this morning oil is trading 0.32% higher at US$65.19/barrel, gold is up 0.5% at US$3768/ounce and iron ore is down 0.09% at US$105.44/tonne.The Aussie dollar has strengthened against the greenback to buy 65.45 US cents, 97.92 Japanese yen, 48.91 British pence and 1 New Zealand dollar and 13 cents.Ahead of Monday's trading session, the SPI futures are anticipating the ASX will open the day up 0.24%Trading Ideas:Bell Potter has increased the rating on Pantoro Gold (ASX:PNR) from a sell to a hold and have raised the 12-month price target on the gold production and development company from $4.40 to $5.35 following the release of the company's FY25 results including a $112m turnaround from a $46m loss in FY24 to a $66m profit in FY25. PNR has demonstrated a step-change in cash generation and is on track for gold production growth YOY, as well as multiple production sources are now established, de-risking the outlook which led to the rating upgrades.And Trading Central has identified a bullish signal on Karoon Energy (ASX:KAR) following the formation of a pattern over a period of 19-days which is roughly the same amount of time the share price may rise from the close of $1.73 to the range of $1.87 to $1.91 according to standard principles of technical analysis.

De Soi is one of the breakout stars of non-alc cocktails — selling more than a quarter million cases per year across all channels. Under CEO Scout Brisson, the brand has climbed to the #1 fastest-growing NA cocktail brand in mass channels, growing nearly 500% YOY, per SPINS data, with distribution in 6,000+ doors — and a new national partnership with Southern Glazer's set to take them even further.So what's driving this rocket ship? In this conversation, Scout pulls back the curtain on the operator mindset behind De Soi's rise. She shares why velocity — not awareness or impressions — is the brand's North Star metric, and how focusing on the fundamentals of execution is what keeps the shelves turning.We discuss:How De Soi overcame early Amazon challenges and built a winning channel strategyWhy Scout says “influencer marketing is dead” — and how local IRL businesses are becoming the new influencersThe flavor development process with co-founders Katy Perry and Morgan McLachlan, and how they balance sophistication with mass appealFundraising lessons, including how to convince skeptical investors in an emerging categoryScout also speaks candidly about setbacks (including a major production issue and retailer loss in the same week) and the resilience required to keep building in a fast-changing category.For drinks entrepreneurs, this episode is a case study in scaling a non-alc brand — full of takeaways on growth strategy, retail execution, and building a category leader from the ground up.Last Call:Hiring in the drinks industry looks very different than it did even a few years ago. In this sponsored Last Call, Rachel Doueck of Force Brands shares what every founder should know about scaling teams today:

In this episode, Alex Rawlings is joined by Jeremiah Wanzell, a seasoned consumer brand executive with leadership roles at Hugo Boss and Calvin Klein, and now an operating partner working with private equity firms to drive growth in the consumer sector. Jeremiah shares his insights into the evolving role of the operating partner, value creation beyond financial engineering, the importance of omnichannel strategy, and how consumer-focused PE firms can win in a shifting market.⏱️ Timestamps00:03 – Intro & BackgroundJeremiah's career journey: from Bloomingdale's to Hugo Boss & Calvin KleinLaunching Growth Mindset Advisors to work with PE firms as a fractional growth officer00:57 – Mistakes Private Equity Firms MakeMisunderstanding or undervaluing the role of the operating partnerValue creation needs real operators, not just consultantsPE firms still testing the waters, especially in the lower/mid-market03:44 – Why the Operating Partner Model Isn't Universal YetToo often operating partners are brought in post-acquisition — a critical mistakeThey need to be involved from the outset to shape value creation plans05:12 – Case Study: Capizio AcquisitionDeal thesis: investing in niche category leadersBrought the deal to Argonne after another firm passedRole: pre-deal diligence, channel expansion, post-deal advisory07:07 – What Deal Teams MissOverlooking multi-channel retail strategyExamples: Nike's failed DTC push vs. Allbirds' slow wholesale expansionOmnichannel is no longer optional09:32 – Industry Shoutout: GrataSponsor mention for proprietary, data-driven PE deal sourcing09:58 – State of Consumer DealsDeal volume down 15% YoY, but deal size upHighlighted mega deals: Skechers ($9B), Dick's x Foot Locker, Rode BeautyHot sectors: health & wellness, beauty, and digitally native brands11:27 – Tariffs & Pricing StrategyTariff uncertainty is a headwind but affects all brands equallyBrands must have clear differentiation and pricing transparencyExamples: airlines as commoditized vs. a loyal landscaper who passed along cost savings15:14 – Great Retail ExperiencesRetail “theater” matters more than everExamples: Vuori, Lululemon, building community through in-store eventsIt all starts with product excellence17:32 – Evolution of DTC & Shopify's DisruptionApple iOS14 killed third-party tracking; CAC skyrocketedShopify commoditized eComm site creation → flooded market with undifferentiated brandsStubborn brands (e.g. Allbirds) suffered by not adapting18:59 – Retail Experience ExamplesRetail must build community and be about more than transactionsBrands that create loyalty through events and authentic connection win19:51 – What Jeremiah RecommendsFan of The Private Equity Podcast and Scott GallowayEncourages reading, webinars, and giving back to your networkRaw Selection partners with Private Equity firms and their portfolio companies to secure exceptional executive talent. We focus on de-risking executive recruitment through meticulous search and selection processes, ensuring top-tier performance and long-term success.

In the US overnight Wall St closed lower as investors pulled back from the recent AI run on comments made by Fed Chair Jerome Powell around equity prices being highly valued at present. The S&P500 closed 0.55% lower in afternoon trade, while the Nasdaq saw the biggest fall of 0.95%, and the Dow Jones is closed 0.19% lower so far on Tuesday.In Europe overnight it was a different story with markets closing in the green following the record strength on Wall St on Monday. The STOXX 600 rose 0.4%, Germany's DAX added 0.36%, the French CAC climbed 0.54% and, in the UK, the FTSE100 ended the day flat.Across the Asia region on Tuesday, markets closed mostly higher buoyed by a tech rally in the region after Nvidia announced a partnership with OpenAI. Taiwan's Taiex index rose 1.42% to a record high, while South Korea's Kospi index climbed 0.51%, Hong Kong's Hang Seng fell 0.99% and India's Nifty 50 ended the day down 0.13%.The local market started the new trading week with an extension of last week's rally as investor optimism has been boosted by strength on Wall St and the gold price soaring to new records which has boosted gold stocks to new heights. On Tuesday, the ASX200 posted a 0.4% gain at the closing bell as financial and materials stocks led the day's winning sectors.Myer (ASX:MYR) plunged over 30% on Tuesday after the department store giant released its FY25 results including a slight sales increase, but investors were more focused on responding to the 13.8% decline in EBIT while NPAT fell 30% YoY to $36.8m. The company also reported gross margins for Myer DS down 65bps due to a mix change toward concessions and promotional activity, and reported a statutory net loss of $211.2m primarily due to the acquisition of Premier Investments' apparel brands in January.Telix Pharmaceuticals (ASX:TLX) rallied a further 6% yesterday after announcing that the US Centres for Medicare & Medicaid Services has granted Transitional Pass-Through (TPT) payment status for Telix's Gozellix drug candidate which is the company's next-generation PSMA-PET imaging agent for prostate cancer.What to watch today:On the commodities front this morning, oil is trading 1.97% higher at US$63.50/barrel, gold is up 0.84% at US$3778/ounce and iron ore is flat at US$105.49/tonne.Ahead of Tuesday's trading session, the SPI futures are anticipating the ASX will open the day down 0.35% tracking Wall Street's slide overnight.Trading ideas:Bell Potter has maintained its hold rating on Technology One (ASX:TNE) and lifted its target price from $35.75 per share to $38.22 per share, ahead of its annual showcase event where the company's new products and developments will be highlighted.And Trading Central have identified a bullish signal in Navigator Global Investments (ASX:NGI), indicating that the stock may rise from the close of $1.20 to the range of $2.43 to $2.51 over a period of 21 days, according to the standard principles of technical analysis.

Right now nearly every asset class in rising in price simultaneously.And many indices and individual securities are hitting all-time highs.Investors are getting increasingly confident -- which explains the ongoing melt-up.How long will it last?And when it reverses, will it do so gently? Or violently?The longer the current momentum continues at this pace, the more likely the reckoning is sooner and more painful.Portfolio manager Lance Roberts and I discuss why, as well as the latest technical analysis, this week's FOMC release, gold, AI, social media, the just-announced TikTok deal, the housing market and Lance's firm's latest trades.For everything that mattered to markets this week, watch this video.LOCK IN THE EARLY BIRD PRICE DISCOUNT FOR THE THOUGHTFUL MONEY FALL CONFERENCE AT https://thoughtfulmoney.com/conference#interestrates #marketcorrection #bullmarket 0:00 - Market Heat: High Correlation Across Asset Classes (Stocks, Gold, Bitcoin)2:48 - Why This Rally Isn't "Broken" Yet – Investment Committee Insights3:35 - Train Analogy: Momentum Hard to Stop Despite Slowing Economy4:36 - Earnings as Key Driver: Bull Case vs. Risk of Reversal7:16 - Broad Momentum: Accumulator Model +8%, All-Weather +6%, AI +9%8:14 - Outlook: Exuberance Leads to 5-10% Correction, But Hard to Time10:11 - Tax Cuts Minor; Deregulation & AI Could Drive Growth (Nvidia-Intel Stake)13:31 - Historical Parallels: 1998-99, 2021 Euphoria Ends in Corrections14:46 - Q4 Tailwinds: Earnings Beats, Buybacks +50% YoY, Manager Chasing16:42 - Bias Upward Through Year-End, But 3-5% Pullback Possible18:53 - Google Parabolic: 3-4 Std Dev Above Moving Averages19:35 - Standard Deviations Explained: 99% Odds of Correction24:18 - Gold Also Parabolic: Take Profits, Hedge Positions27:02 - Google AI Threat: Search Monopoly at Risk from Ad Revenue Loss37:47 - Mark Newton Outlook: Momentum to Oct/Nov, Then Correction into 202644:14 - Dot Plot: 4 More Cuts into 2026; Projections Show Slow Growth (1.8%)48:45 - TikTok Deal: Missed Chance to Curb Societal Harm from Social Media59:27 - Housing Cracks: Inventory Up in Midwest/Northeast (Boston +11%)1:04:54 - Idea: Incentive Kids to Live Nearby – Free House After Raising Family1:18:03 - Trades: Position Swaps Next Week – Max 30 Stocks for Outperformance1:20:21 - Rant: Lance's Wife Post-Chemo – Back to Work, Hilarious Wig Story1:26:40 - YouTube Wins: Nutritious, Authentic Content on Demand1:31:16 - Hater Drama: Troll Picks Fights for Visibility – Followers Defend_____________________________________________ Thoughtful Money LLC is a Registered Investment Advisor Promoter.We produce educational content geared for the individual investor. It's important to note that this content is NOT investment advice, individual or otherwise, nor should be construed as such.We recommend that most investors, especially if inexperienced, should consider benefiting from the direction and guidance of a qualified financial advisor registered with the U.S. Securities and Exchange Commission (SEC) or state securities regulators who can develop & implement a personalized financial plan based on a customer's unique goals, needs & risk tolerance.IMPORTANT NOTE: There are risks associated with investing in securities.Investing in stocks, bonds, exchange traded funds, mutual funds, money market funds, and other types of securities involve risk of loss. Loss of principal is possible. Some high risk investments may use leverage, which will accentuate gains & losses. Foreign investing involves special risks, including a greater volatility and political, economic and currency risks and differences in accounting methods.A security's or a firm's past investment performance is not a guarantee or predictor of future investment performance.Thoughtful Money and the Thoughtful Money logo are trademarks of Thoughtful Money LLC.Copyright © 2025 Thoughtful Money LLC. All rights reserved.

In this episode of The Ross Simmonds Show, Ross dives deep into why Reddit has emerged as the most powerful organic marketing platform heading into 2025. From transforming million-dollar buying decisions to influencing AI language models like ChatGPT and Google's AI Overviews, Reddit isn't just a content site — it's a market-shaping force. Ross unpacks exactly how and why Reddit has become a SERP-dominating player, how brands can harness its authenticity-fueled power, and introduces his signature Reddit marketing framework: R.O.S.S (Reddit Operating System of Scale). Key Takeaways and Insights: 1. The Power of a Single Reddit Thread - Deals are won or lost based on one Reddit post - Reddit is no longer just memes — it's shaping corporate decisions 2. The Rise of Reddit in Organic Search - Reddit ranked 2nd after Wikipedia for Google search traffic in late 2024 - Outperformed YouTube in search visibility - Took over bottom-of-funnel consideration traffic from platforms like G2 and Capterra 3. Why Traditional SEO is Failing - Marketers ruined trust in content with affiliate-driven blog posts - Reddit now draws 600M+ monthly visits from Google - 1,328% YoY growth in Reddit's search visibility 4. Google's Algorithm Shift & Reddit's Role - Reddit's authentic content aligns with Google's user-first approach - Google's $60M data licensing deal with Reddit (2024) - New "Forums" search tab prioritizing Reddit threads 5. Reddit vs Traditional Media & Review Sites - Reddit ranks for 5.7M+ transactional keywords - Competes with giants like Wirecutter and New York Times for product discovery - 5.1M overlapping keywords with major publishers 6. Reddit's Impact on AI Training - Reddit content now foundational for LLMs (Large Language Models) - Google, OpenAI, and others using Reddit content to train AI - AI outputs now reflect sentiment from Reddit conversations 7. How Reddit Influences AI Answers - Brand reputation on Reddit can directly influence AI-generated recommendations - Reddit as a real-time, user-driven knowledge base for AI Resources & Tools:

Shoot us a Text.Episode #1148: Buyers rush to lock in EV tax credits, Toyota builds an app to hack your habits, and Walmart's HR chief taps AI for top talent. Legacy automakers saw a sharp EV registration bump in July as buyers rushed to lock in the $7,500 federal tax credit before it expires at the end of September. However, Tesla, Rivian, and VinFast didn't share in the win.EV registrations jumped 27% for legacy brands like Chevrolet and Honda, far outpacing the overall 6% EV market growth and pushing EV share to 8.9% of the light-vehicle market.Tesla saw a 13% YoY drop in registrations, while Rivian dipped 6% and VinFast slid 17%.Chevrolet more than doubled its EV registrations, while Volkswagen posted a 127% increaseHonda's Prologue EV offered nearly $13,000 per unit in incentives, helping it to a 102% rise, while Audi tripled its numbers thanks to strong Q4 e-tron performance.“The current surge in EV sales is being driven by product innovation, motivated dealers and an urgency ahead of the IRA tax credit phaseout,” said Cox Automotive's Stephanie Valdez Streaty.Toyota is getting creative about plug-in hybrid charging with a new app that uses behavioral science to make sure owners actually… plug in. It's dopamine-driven, gamified brain hacking in the name of better fuel economy.Toyota's ChargeMinder app uses over a dozen behavioral interventions to encourage charging, including personalized reminders and gamified streaks.It boosted U.S. user satisfaction by 16 percentage points and increased off-peak charging in Japan by 59%, though U.S. charging frequency only rose 10%.The app uses vehicle telematics and location data to deliver nudges and educational quizzes that make charging habits stick.Toyota says this low-cost strategy can rival expensive infrastructure or incentive programs in moving consumer behavior.Dr. Laura Libby, Manager, Carbon Neutrality, Human Centered AI, Toyota Research Institute: “Small, targeted interventions can have a large impact on people's decisions and actions.”While most associate AI in hiring with resume screening, Walmart's Chief People Officer Donna Morris is tapping tools like ChatGPT and Perplexity to help identify potential candidates—especially for high-level internal or external leadership roles.Morris uses AI to ask targeted questions when kicking off key searches, saying the results often align closely with candidates already under consideration.Walmart has already piloted an AI Interview Coach and is launching a custom version of OpenAI's Certification Program through Walmart Academy.Morris also uses AI in daily life—from diagnosing her father's skin bruises to finding art replicas and restaurant recs—crediting it with making research faster and more accessible.“Now, the access to information is phenomenal,” she said. “I thinkJoin Paul J Daly and Kyle Mountsier every morning for the Automotive State of the Union podcast as they connect the dots across car dealerships, retail trends, emerging tech like AI, and cultural shifts—bringing clarity, speed, and people-first insight to automotive leaders navigating a rapidly changing industry.Get the Daily Push Back email at https://www.asotu.com/ JOIN the conversation on LinkedIn at: https://www.linkedin.com/company/asotu/

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In this Two and a Half Gamers special, Matej and Felix sit down with Lemon (柠檬游戏说) — WeChat Mini-Game blogger, founder of Hyperjoy, and consultant for Scopely — to unpack the Chinese mini-game gold rush.Key insights:2024 market revenue: $7B+ (¥50B RMB).500M+ MAU, 400K+ dev teams183% YoY increase in advertisers; dev cycles: 4 weeks (hypercasual) to 3–6 months (hybrid/midcore).Balanced demographics: gender 50/50, strong 24–40 y/o core.Winners: 4X/SLG, Tower Defense Roguelike, Merge/Match.Declining: Hybrid RPGs, Simulation.Stable: Idle Card RPGs.60% of UA spend is concentrated in RPG, SLG, and TD.Day-1 payer retention is highest in RPG/4X (18–85%).Top GamesIce War: Three Kingdoms – Whiteout Survival clone w/ localized 3K theme.Bangbang Survivor – Top-grossing $1M+/day, IP expanding into 4X.Penguin Go! – Lucky Defense survivor, meta system differentiates it.Plant Master TD Go – Backpack TD hit (#5 grossing).永远的蔚蓝星球 (Summon & Merge TD) – $30M/month, global Q4 launch.Human Leap: Evolution – Top Douyin ad-mon gameSave the King – Royal Match UA creative turned into a WeChat hit ($70K/day ads).East ↔ West ExpansionWest → East: Supercell, Century Games, Scopely already entering WeChat mini-games.East → West: Galaxy Defense, Legend of Mushroom, Banban Survivor meta systems fueling crossovers.Success requires simplification of meta for Western markets.Takeaway: Mini-games are not “mini.” They're a $7B industry with complex metas, ruthless UA competition, and growing East–West crossover potential.Get our MERCH NOW: 25gamers.com/shop---------------------------------------This is no BS gaming podcast 2.5 gamers session. Sharing actionable insights, dropping knowledge from our day-to-day User Acquisition, Game Design, and Ad monetization jobs. We are definitely not discussing the latest industry news, but having so much fun! Let's not forget this is a 4 a.m. conference discussion vibe, so let's not take it too seriously.Panelists: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Lemon Choihttps://www.linkedin.com/in/lemon-minigame/Join our slack channel here: https://join.slack.com/t/two-and-half-gamers/shared_invite/zt-2um8eguhf-c~H9idcxM271mnPzdWbipgChapters00:00 Introduction to China's Minigame Market03:01 Minigame Market Overview07:26 Minigame Genres and Trends14:56 Successful Minigames and Case Studies29:04 Key Takeaways and Future Outlook---------------------------------------Matej LancaricUser Acquisition & Creatives Consultant⁠https://lancaric.meFelix BrabergAd monetization consultant⁠https://www.felixbraberg.comJakub RemiarGame design consultant⁠https://www.linkedin.com/in/jakubremiar---------------------------------------Please share the podcast with your industry friends, dogs & cats. Especially cats! They love it!Hit the Subscribe button on YouTube, Spotify, and Apple!Please share feedback and comments - matej@lancaric.me---------------------------------------If you are interested in getting UA tips every week on Monday, visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠lancaric.substack.com⁠⁠⁠⁠⁠⁠ & sign up for the Brutally Honest newsletter by Matej LancaricDo you have UA questions nobody can answer? Ask ⁠⁠⁠⁠⁠⁠⁠⁠Matej AI⁠⁠⁠⁠⁠⁠ - the First UA AI in the gaming industry! https://lancaric.me/matej-ai

Joe's Premium Subscription: www.standardgrain.comGrain Markets and Other Stuff Links-Apple PodcastsSpotifyTikTokYouTubeFutures and options trading involves risk of loss and is not suitable for everyone.0:00 Direct Payments4:12 US/China Talks5:45 Brazil Soy Planting Starts8:17 Crop Progress/Conditions10:13 NOPA Soy Crush11:19 Tyson and High-Fructose Corn Syrup13:26 Grain Shipments are Strong14:31 Flash Sale

Go to www.LearningLeader.com for full show notes This is brought to you by Insight Global. If you need to hire 1 person, hire a team of people, or transform your business through Talent or Technical Services, Insight Global's team of 30,000 people around the world have the hustle and grit to deliver. Sukhinder Singh Cassidy is the CEO of Xero. Xero is a cloud-based accounting software designed for small businesses. They did $2.1 billion in revenue last year. Over the past 25 years, Sukhinder has had leadership roles at Google, Amazon, and StubHub. Notes: Key Learnings Strategic CEO Job Search Criteria – Sukhinder had four non-negotiables: macro tailwinds/good market, customer she could be passionate about, strong business model, and a role where she could "learn for miles" for 5-8 years. Only two companies met her criteria in 18 months of searching. "Sell, Interview, Sell" Hiring Process – First meeting is 50% selling the opportunity to attract top talent. Only after candidates lean in do you shift to intensive interviewing with leadership team exposure. The Virtuous Cycle Framework – Customer at the top, supported by "high purpose, high performance, high people" culture. "It's an 'and,' not an 'or'" - you don't get to choose just one element. Back-Channeling is Critical – Reference checking happens throughout the entire interview process, not just at the end. "The most important thing is not just front channel... it's all the back channel." Values Alignment Over Pure Qualifications – "Go where my values fit and my strengths are valued." Cultural fit becomes the deciding factor in close hiring calls, not competence. The Layoff Leadership Test – Six weeks after joining, Sukhinder laid off 900 people based on McKinsey benchmarking. Showed consistency between the outside-in analysis presented to the board and transparent communication to employees. Portfolio of Bets Strategy – Balance growth, profitability, and customer happiness through diversified initiatives ranging from "safe moves" to "flyers," with clear probability assessments. Consistency as Culture Foundation – "Culture means consistency of message and what's important." Authenticity through change, not resistance to change. The 10-Slide CEO Interview Deck Framework: Vision statement (destination in 2-3 years) Outside-in market analysis Competitive landscape SWOT analysis of current position Five key strategic moves Implementation approach ("the how") Estimated outcomes with probability ranges Practical Application: Job Search Strategy – Define 4-5 non-negotiable criteria upfront. Be willing to wait for roles that truly meet your standards rather than taking "the job before the job." Interview Preparation – Always build a comprehensive thesis deck even if not requested. Use it to clarify your own thinking and demonstrate strategic capability. Hiring Excellence – Spend equal time selling the opportunity and evaluating candidates. Use diverse interview panels and back-channel extensively throughout the process. Cultural Leadership – Be consistent in messaging across all stakeholders (board, investors, employees). Authenticity enables trust during periods of change. Strategic Planning – Frame initiatives as a portfolio of bets with clear probability assessments. Balance growth, profitability, and customer satisfaction rather than optimizing for one. Leadership Hiring Process: The CEO interviews top 2-3 levels even without hiring authority Diverse interviewer panels with "bar raisers" Business problem-solving presentations in the final rounds Multiple leadership team interactions before the final decision Life Lessons: Patience in Career Progression – Sometimes the right opportunity requires waiting. Sukhinder was frustrated during 18 months of searching but found the perfect fit. Preparation Separates Candidates – The depth of strategic thinking demonstrated in final presentations often determines CEO selections. Culture Survives Through Consistency – Not avoiding change, but maintaining consistent values and communication approach through inevitable changes. Leadership Requires Tough Decisions – Laying off 900 people six weeks into the role, but doing it transparently and based on clear data/analysis. Value Creation Through Alignment – Finding roles where your strengths are valued and values align creates exponentially better outcomes than pure skill matching. Systems Thinking Builds Trust – Sharing appropriate "behind the scenes" context helps teams understand difficult decisions and builds long-term credibility. Early Career Focus – "Do great work for great people." Find talented leaders to apprentice under and work exceptionally hard to maximize learning. Authenticity Enables Performance – Being genuine about challenges and changes builds stronger relationships than trying to maintain artificial stability. Strategic Communication – Frame personal asks in terms of organizational benefits. Make it about solving their problems, not your desires. The Xero Transformation: Financial Performance: $2.1B revenue, 21% YoY growth while maintaining profitability Cultural Approach: "High purpose, high performance, high people" - no choosing between them Strategic Moves: Pricing/packaging optimization, sales motion transformation, customer experience reimagining (new dashboard with 3000+ customer inputs) Leadership Philosophy: Provide a "systems view" to employees, share investor-level insights appropriately, and maintain authenticity during difficult decisions

Joe's Premium Subscription: www.standardgrain.comGrain Markets and Other Stuff Links-Apple PodcastsSpotifyTikTokYouTubeFutures and options trading involves risk of loss and is not suitable for everyone.0:00 Building Drought6:13 USDA Preview9:41 Export Sales12:21 Brazil's Crop Report14:20 Inflation is Up

Send us a text00:00 - Intro00:51 - Klarna's $15.1B IPO + Up in Public Markets (as of Thu, Sep 11)01:51 - Cognition's $400M Raise at $10.2B Valuation02:43 - ElevenLabs' $100M Tender at Doubled $6.6B Valuation03:05 - Replit's $250M Funding at $3B Valuation04:05 - X Square Robot's $140M Raise, New Robot OS Released04:41 - Mistral Finalizes $1.5B Funding at $11.7B Valuation05:12 - Perplexity Finalizes $200M Round at $20B Valuation05:32 - Databricks >$4B ARR in Jul 2025, up 50% YoY 06:07 - Ramp's $1B ARR, +43% in 6 Months06:51 - SpaceX's $17B Spectrum Deal with EchoStar08:01 - Anduril's $1.26B of New Contracts09:06 - AlterEgo's Silent Sense Wearable Launch10:02 - OpenAI's $300B Oracle Data Center Deal10:39 - OpenAI + Microsoft Agree on Nonprofit to For-profit Shift11:05 - Thinking Machines' $2B Seed at $12B Valuation

Joe's Premium Subscription: www.standardgrain.comGrain Markets and Other Stuff Links-Apple PodcastsSpotifyTikTokYouTubeFutures and options trading involves risk of loss and is not suitable for everyone.0:00 Intro0:49 USDA Preview3:38 Argentina Situation7:22 Positive (ish) Soybean Spin10:11 Biofuel Back and Forth12:15 Ethanol Production

- One of the biggest SaaS security incidents recently of course is the Salesloft Drive/Salesforce incident, which impacted hundreds of organizations and involved compromised OAuth tokens. Can you tell us a bit about the incident and the fallout?- In an AppOmni blog on the incident, you all discuss attackers taking advantage of persistent OAuth access, over-permissive access, limited monitoring, and unsecured secrets. Why do these problems continue to plague organizations despite incidents like this?This is part of a broader trend of increased SaaS supply chain attacks. What makes these attacks so enticing for malicious actors and challenging for organizations to prevent entirely?You recently published your State of SaaS Security Report, which projects SaaS to grow 20% YoY between 2025 and 2032. This is despite 75% of organizations reporting a SaaS security incident in the past year. Why do you think we're seeing continued growth in adoption but still lagging in SaaS security to accompany the adoption?The report discusses the rise of NHIs and GenAI and how this will exacerbate problems around SaaS Access and incidents. Can you unpack that for us?I was shocked to see the report find that just 13% of organizations use SSPM tooling despite SaaS's widespread adoption. When you talk to enterprises, for example, nearly everyone is doing some CSPM activity for IaaS. Why are so many neglecting hygiene and posture for their SaaS footprint?

You may not realize it, but that bitcoin ATM at your corner store is probably bringing in some serious cash. Get the headlines that matter, right when they hit the wire: Join our Telegram group for market moving news on top Bitcoin equities like $MSTR, $MARA, $RIOT, $CLSK, and more:  https://t.me/blockspacenews Welcome back to The Mining Pod! Today, Brandon Mintz, CEO of Bitcoin Depot joins Colin to talk about building the largest Bitcoin ATM network in North America with 9,000+ machines. They discuss how the Bitcoin ATM business model works, why someone would buy bitcoin from an ATM rather than an exchange, why Bitcoin ATMs tend to have premiums, and what areas the company may explore for expansion. Subscribe to our newsletter!  **Notes:** • Bitcoin Depot has 9,000+ ATMs across 3 countries • Q2 revenue up 6% YoY to $172.1M • 15% of US transactions still use cash • 1,700 ATMs ready for deployment Timestamps: 00:00 Start 03:16 Founding Bitcoin Depot 05:58 The first BTC ATM? 07:14 Current revenue growth 09:52 Establishing an ATM location 11:54 Deciding ATM locations 16:01 Profit sharing w/ locations 17:33 Convincing locations 19:31 Are ATMs not price sensitive? 22:21 Operating expenses 23:26 ATM user profile 25:45 Price premium 28:59 Revenue valuation 31:46 Expansion 32:27 European market 32:59 Treasury strategy 35:20 Treasury company frothy market 36:57 Regulation changes

Get the headlines that matter, right when they hit the wire: Join our Telegram group for market moving news on top Bitcoin equities like $MSTR, $MARA, $RIOT, $CLSK, and more:  https://t.me/blockspacenews Welcome back to The Mining Pod! Today, Brandon Mintz, CEO of Bitcoin Depot joins Colin to talk about building the largest Bitcoin ATM network in North America with 9,000+ machines. They discuss how the Bitcoin ATM business model works, why someone would buy bitcoin from an ATM rather than an exchange, why Bitcoin ATMs tend to have premiums, and what areas the company may explore for expansion. Subscribe to our newsletter!  **Notes:** • Bitcoin Depot has 9,000+ ATMs across 3 countries • Q2 revenue up 6% YoY to $172.1M • 15% of US transactions still use cash • 1,700 ATMs ready for deployment Timestamps: 00::00 Start 03:16 Founding Bitcoin Depot 05:58 The first BTC ATM? 07:14 Current revenue growth 09:52 Establishing an ATM location 11:54 Deciding ATM locations 16:01 Profit sharing w/ locations 17:33 Convincing locations 19:31 Are ATMs not price sensitive? 22:21 Operating expenses 23:26 ATM user profile 25:45 Price premium 28:59 Revenue valuation 31:46 Expansion 32:27 European market 32:59 Treasury strategy 35:20 Treasury company frothy market 36:57 Regulation changes

Likefolio's Andy Swan shares his take on Chewy's (CHWY) recent resurgence. Swan cites strong auto-ship metrics as a tailwind, with 82% of revenue coming from this segment and low churn rates. However, he also notes a 12% YOY decline in August web traffic, which could lead to a disappointing Q4 earnings report. Swan believes Chewy needs to find another avenue of revenue growth, possibly through its veterinary clinics, to support its current valuation. He maintains a neutral but slightly bearish stance on the stock heading into earnings.======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

It's time again to review the data and metrics from the Workstand platform and talk about what we can learn from sales across our platform. August Workstand platform metricsEcommerce sales saw another month of double-digit growth on Workstand. Online order volume was the strongest it's been all year, with a YOY increase of 8%, with 20,459 orders being the highest volume of any month this year. Sessions saw another month of decline at -11% (assumed from AI search adoption), but revenue per session remains strong at +24%. For the first time since February, the typical dealer did not show growth. Instead, platform growth was driven by high-volume sellers. We don't like to see that number because our typical dealer tends to be predictive of the overall market numbers we'll see from PFB within the coming weeks. We don't see any changes in category sales trends that I've commented on over the last several months.Google search dataOnline research for “best bike” at 2022 levelsBy that measure, demand might be stabilizing, even if unit and dollar sales volume overall, as measured by People For Bikes, is still down, a promising signSearches containing “bike shop” continue multi-year declineWe're talking 2005 levels!That doesn't mean bike shops can't thrive, but you need to connect with customers in a more modern wayYou have to win Google searches for products! You NEED ecommerce. There will be no “return to normal” in this metric. Retail has changed.This is an alarm bell metric that bike shops need to adapt to if they want to meet the consumer demand that's recoveringBe sure to email your questions to podcast@workstand.com. We read all emails sent and we look forward to hearing from you.If you're a Workstand client with questions about your subscription, email support@workstand.com or call 303-527-0676 x 1. If you are not currently a Workstand client with questions about how our programs work, email info@workstand.com.Find Us on LinkedInRyan Atkinson, President + Co-OwnerMark Still, Business DevelopmentWe also publish Around the Workstand on our YouTube channel if you'd like to watch while you listen. Here is our Around the Workstand playlist.If you have any questions about the topics discussed in this episode of Around the Workstand or if you have ideas for new topics we can cover, schedule a time to meet with Mark Still here or email mark.s@workstand.com.

Joe's Premium Subscription: www.standardgrain.comGrain Markets and Other Stuff Links-Apple PodcastsSpotifyTikTokYouTubeFutures and options trading involves risk of loss and is not suitable for everyone.0:00 Freeze1:35 Unknown Buys Soybeans2:43 Export Sales8:35 Monster Corn Yield Estimate9:56 The Funds10:59 Job Growth Slows

Ain't no party like a Beatbox party, cause a Beatbox party don't stop…except when the production lines get foreclosed on! But to better understand that last statement, it requires a brief four-year “rise and fall” history lesson surrounding the small Canadian public company named Flow Beverage Corporation. In mid-2021, a reverse takeover transaction was completed on the premium water company, and Flow Beverage began trading on the Toronto Stock Exchange. After that liquidity event, the total fundraising amount of Flow Beverage ballooned to around $100 million (which included celebrities like Post Malone and athletes like Russell Westbrook). And I'm mentioning that financial snapshot of total amount raised by Flow Beverage for interesting several reasons. Firstly, irrespective of CPG category…raising nine-figures of capital is substantial (and shouldn't be overlooked). Also, it appears even more significant after realizing the company's highest annual revenue never expanded beyond merely one-third of that total fundraising amount…a far cry from the founder (and CEO) Nicholas Reichenbach stating in 2021 that he'd “take Flow Beverage to multi-billion dollars of revenue annually.” Next, capital structure challenges became a central reason for the demise of Flow Beverage…a mere four years after going public. And arguably the “straw that broke the camel's back” happened in May 2025 when Nicholas Reichenbach signed a series of binding term sheets (requiring personal guarantee) that seemed (even at the time) unlikely to solve any working capital issues. But as you've likely been able to determine already…Flow Beverage wasn't Liquid Death. And since Flow Beverage wasn't a highly skilled marketing company that just so happened to sell packaged beverages…burning nine-figures of capital on advertising would've been frankly absurd! Instead, at the time of the reverse takeover transaction, Flow Beverage owned two artesian springs and operated two North American Tetra Pak-capable production facilities. So, Flow Beverage was the opposite of the typical beverage company deploying an asset-light business model. And while those Tetra Pak manufacturing sites were used to produce Flow Alkaline Spring Water, the company also utilized them for contract manufacturing…servicing customers like BeatBox Beverages, BioSteel, and Joyburst. But a few weeks ago, Flow Beverage was forced to enter into a support agreement and transfer ownership of the business and its assets to primary lenders (i.e. NFS Leasing Canada and RI Flow) after they demanded repayment. And this foreclosure obviously leaves uncertainty around what could happen during the restructuring process...especially for its largest contract manufacturing customer Beatbox Beverages (one of the fastest-growing and top-selling RTD alcohol brands in the United States). If you aren't familiar, Beatbox Beverages has become the brand that's bringing the party to the alcohol industry. Yet, the “original party punch” has proven its way more than just a music festival favorite…becoming the most engaged alcohol brand on social media, with availability in over 125K stores across all 50 states. In 2025, BeatBox Beverages is expected to sell over 12 million cases…amounting to over $250 million in retail sales. And with BeatBox Beverages experiencing triple-digit YoY retail sales growth over the past few years…it must consistently reach for operational excellence, or the proverbial party could end abruptly.

Shoot us a Text.Episode #1137: VinFast leans into a dealer-driven strategy while VW puts the brakes on ID.4 production despite rock-bottom lease pricing. Meanwhile, Porsche unveils a slick wireless charger for its next-gen Cayenne EV.Show Notes with links:Despite reporting a larger Q2 loss, Vietnamese EV maker VinFast is still betting on a traditional dealership model to accelerate growth and cut costs. The shift marks a major pivot from its direct-to-consumer roots.Q2 net loss hit $812M, up 15% from Q1, as VinFast ramps global marketing and R&D.Revenue rose 91.6% YoY to $663M, with vehicle deliveries jumping 172% to 35,837 units.Founder Pham Nhat Vuong pledged $1.5B to support expansion and R&D as the company moves away from company-owned showrooms to a lighter, franchised dealership model.“We stick to our goal this year and are flexible with our market approach amid (the) changing global situation,” said Chairperson Thuy Le.Despite offering the most affordable EV lease in the U.S., Volkswagen is pausing ID.4 production in Chattanooga as consumer demand continues to drop.Production will stop in late October, affecting 160 workers who will be furloughed with 80% pay and full benefits.ID.4 sales dropped 65% in Q2, down to 1,992 units, compared to 5,665 in the same quarter last year.Loss of federal EV tax credit and increased competition from Hyundai and GM have hurt demand.Volkswagen has dropped lease pricing to $129/month, but discounts haven't reversed the trend.A company spokesperson called the pause a “market-driven decision” with no set restart date.Forget cables—Porsche's new wireless charging pad for the upcoming Cayenne EV brings smartphone-style convenience to your driveway, with high-tech safety features and surprisingly strong performance.The 11-kW wireless charger pad delivers overnight charging speeds, matching typical Level 2 plug-in options.The system activates automatically when a compatible vehicle parks over the pad, eliminating the need to plug in.Pad is air-cooled; vehicle-mounted plate is liquid-cooled and must be pre-wired at the factory.Built-in radar pauses charging if it detects pets or metal objects, adding a layer of safety to home charging.U.S. pricing is still pending, but the full system—including vehicle integration—is expected to cost around $9,500 based on European estimates.0:00 Intro with Kyle Mountsier and Michael Cirillo0:52 The ebbs and flows of mainstream news1:54 Announcements2:54 Vinfast Announces $812M Q2 Loss5:46 VW To Pause US ID.4 Production9:12 Porsche To Offer Wireless ChargingJoin Paul J Daly and Kyle Mountsier every morning for the Automotive State of the Union podcast as they connect the dots across car dealerships, retail trends, emerging tech like AI, and cultural shifts—bringing clarity, speed, and people-first insight to automotive leaders navigating a rapidly changing industry.Get the Daily Push Back email at https://www.asotu.com/ JOIN the conversation on LinkedIn at: https://www.linkedin.com/company/asotu/

In this episode of The Ad Project, Joe and Maarja discuss the latest Amazon Ads algorithm changes shaking up Sponsored ProductsKey takeaways:Auto campaigns now account for nearly 40% of impressions, with broad match also climbing.Exact match still drives the highest conversion rates (>20%), but its share is shrinking.CPCs are rising on broad (+20% YoY) while auto remains cheapest.Amazon is weighting “Loose Match” and “Substitutes” more heavily within auto targeting.Advertisers should balance discovery and efficiency: run auto/broad with strong negatives, harvest winners into exact/phrase, and monitor impression share shifts.Adapt your strategy now—the balance between efficiency engines (exact) and discovery engines (auto/broad) is the new reality of Amazon Ads.

In this episode the hosts break down a surprisingly solid liquor store deal in Washington, DC, questioning whether a 3x multiple and $500K SDE is too good to be true.Business Listing – https://www.tworld.com/buy-a-business/listings/80yrs-old-sba-appd-profitable-corner-liquor-biz-in-nw-dc-Welcome to Acquisitions Anonymous – the #1 podcast for small business M&A. Every week, we break down businesses for sale and talk about buying, operating, and growing them.

In this episode the hosts break down a surprisingly solid liquor store deal in Washington, DC, questioning whether a 3x multiple and $500K SDE is too good to be true.Business Listing – https://www.tworld.com/buy-a-business/listings/80yrs-old-sba-appd-profitable-corner-liquor-biz-in-nw-dc-Welcome to Acquisitions Anonymous – the #1 podcast for small business M&A. Every week, we break down businesses for sale and talk about buying, operating, and growing them.

Shoot us a Text.Episode #1131: Live from Day 2 at the NAMAD Annual Meeting with co-host Erroll Bomar III! We recap our biggest takeaways from the first day of amazing conversations and content, plus look at the record $56.4B that consumers will spend on new vehicles in August.ASOTU's coverage is brought to you by Connected Dealer Services.Show Notes with links:Automotive retail is posting a strong for August, driven by expiring EV incentives and a calendar twist that included Labor Day. Consumers are projected to spend a record $54.6B on new vehicles, as electrified models reached peak share.Total new-vehicle sales projected at 1.48M, up 8.2% YoY; SAAR at 16.1M.EV retail share hits record 12.0%, up from 9.5% last year, driven by incentive pull-forward.Incentive spending restrained at 6.2% of MSRP amid tariff pressure.Average transaction price reaches $44,750; consumer spend hits August record.“The results are unquestionably inflated by shoppers accelerating their electric vehicle purchases to take advantage of Federal EV credits.” – Thomas King, J.D. PowerJoin Paul J Daly and Kyle Mountsier every morning for the Automotive State of the Union podcast as they connect the dots across car dealerships, retail trends, emerging tech like AI, and cultural shifts—bringing clarity, speed, and people-first insight to automotive leaders navigating a rapidly changing industry.Get the Daily Push Back email at https://www.asotu.com/ JOIN the conversation on LinkedIn at: https://www.linkedin.com/company/asotu/

In this episode of The Hydrogen Podcast, we go deep into the latest hydrogen developments from India and the U.S.—and what they mean for the global energy future.

Shoot us a Text.Episode #1127: We're diving into major tariff relief for EU carmakers, Sonic Automotive's EchoPark outpacing expectations, and how generative AI is rewriting the rules for online retail traffic. Show Notes with links:The automotive industry is watching closely as the U.S. and EU hammer out a framework deal that could bring massive tariff relief for European automaker. The fine print could mean big savings and new market access.The EU and U.S. announced a new trade framework aiming to reduce U.S. auto tariffs from 27.5% to 15%.Relief would be retroactive to August 1 if the EU introduces enabling legislation this month.In exchange, the EU pledged to cut tariffs on U.S. industrial goods and increase access for American agricultural products.The deal may expand to include mutual recognition of auto safety standards and influence future U.S. agreements with Japan and South Korea.EU Trade Commissioner Maros Sefcovic emphasized urgency: “It is the European Commission's firm intention to make proposals by the end of this month.”Sonic Automotive just dropped its Q2 2025 earnings, and while a hefty impairment charge dented the bottom line, EchoPark's performance made sure the story stayed bullish.Total revenue reached a record $3.7B, up 6% YoY.Despite a $172.4M impairment charge, adjusted EPS surged 49% to $2.19, beating expectations.EchoPark led the charge with $62.1M in gross profit (+22%) and a 679% increase in adjusted segment income.Segment income rose from $3.9M to $11.7M — a 200% leap.“EchoPark is just on fire,” said Sonic President Jeff Dyke.Adobe reports a massive 4,700% YoY increase in U.S. retail site traffic driven by generative AI platforms like ChatGPT and Gemini — a clear signal that AI is transforming the online shopping journey.Traffic from gen-AI sources has grown monthly since the 2024 holiday season.90% of users trust gen-AI recommendations; bounce rates are down 27%.Visits from AI referrals are 10% more engaged, with 32% longer durations.The conversion gap between AI and non-AI traffic has shrunk from 49% in January to 23% in July.“It's allowing a very optimized, urgent, efficient journey,” said Adobe's Vivek Pandya.0:00 Intro with Paul J Daly and Kyle Mountsier1:35 Next week, Paul and Erroll Bomar III will be at NAMAD next week2:38 EU-US Finalizing New Trade Deal4:35 EchoPark Boosts Sonic's Q2 Earnings6:52 4700% Increase In Retail Traffic From GenAI SitesJoin Paul J Daly and Kyle Mountsier every morning for the Automotive State of the Union podcast as they connect the dots across car dealerships, retail trends, emerging tech like AI, and cultural shifts—bringing clarity, speed, and people-first insight to automotive leaders navigating a rapidly changing industry.Get the Daily Push Back email at https://www.asotu.com/ JOIN the conversation on LinkedIn at: https://www.linkedin.com/company/asotu/

In this episode, Lex speaks with Ravi Adusumilli - President and GM of the Americas at Airwallex. Ravi and Lex discuss how Airwallex has evolved into a global financial platform by offering businesses an integrated suite of cross-border payments, treasury, and banking services. Founded in 2015, Airwallex now supports 150,000 customers, processes $130 billion in annualized volume (up 73% YoY), and projects a $1 billion revenue run rate by year-end.The company's success stems from its end-to-end infrastructure, homegrown payment rails, and multi-product strategy, with 80% of revenue now coming from customers using more than one product. Airwallex differentiates itself by focusing on global-first B2B use cases and building regional autonomy alongside centralized infrastructure. While not prioritizing stablecoins today, the company is exploring AI-driven financial operations and aims to reach $1 trillion in transaction volume by 2030. NOTABLE DISCUSSION POINTS:Airwallex's Infrastructure: Proprietary Global Payment NetworkAirwallex operates a proprietary global payment infrastructure that processes 95% of its $130 billion in annualized transaction volume. The company has developed its own technology and regulatory framework in partnership with over 60 banks worldwide. This approach reduces dependence on legacy systems such as SWIFT and supports greater control over transaction speed, cost, and compliance.Expansion Through Multi-Product OfferingAirwallex has expanded its services beyond cross-border payments to include card issuance, spend management, treasury functions, and merchant acquiring. According to company data, 80% of revenue is generated from customers using multiple products. Payments now account for 70% of net revenue and are growing at three times the rate year over year.Decentralized Go-To-Market StructureAirwallex employs a regional management model, with General Managers responsible for performance and operations in specific geographies. This structure is supported by centralized functions such as product development, compliance, and engineering. With 1,700 employees in 26 offices, the company uses this hybrid model to manage growth and adapt to local regulatory environments across multiple regions, including Latin America and Asia-Pacific. TOPICSAirwallex, Stripe, Brex, Rippling, Shopify, Pinterest, Visa, fintech, global payments, e-commerce, cross-border transactions, paytech, embedded payments, CFO stack, stablecoins, AI ABOUT THE FINTECH BLUEPRINT

Shoot us a Text.Episode #1124: Today we break down the latest Fixed Ops Golden Metrics, showing where service departments are winning and where there's room to grow. We also look at how dealer inventory has returned to pre-tariff “normal” levels, and why Atlantans are playing cancellation games just to ride in a Waymo robotaxi.The Fixed Ops Golden Metrics 2025 report from Reynolds and Reynolds highlights how service departments are stacking up in hours, labor rates, and RO profits—plus the big gains from technician efficiency tools.Dealers are grouped two ways—by urban classification (Major Urban, Metro, Community, Rural) and by 5 volume classes based on monthly customer-pay ROs: Class 1: 1,200.High-volume Class 5 stores topped 3,000 hrs/month. Major Urban averaged 1,613 hrs/month vs. Rural at 490. Major Urban led profit per RO at $414, Rural just $225. Class 1 averaged $400, dropping to $243 in Class 5.Using recommendation software added +0.5 hrs/RO, +$18 ELR, and +$62 profit/RO—worth $9K more profit/month for a 150-RO store.After months of tariff shocks and supply swings, dealer lots look familiar again. The average automaker now has a 73-day supply of new cars — right on the industry's long-term target.Lots once ran as high as 89 days of supply during early tariff panic.Inventories plunged to 66 days when 25% tariffs first hit but have since recovered.Despite costs, prices rose just 1.5% YoY as automakers and dealers absorbed tariffs.Some brands buck the trend: Toyota/Lexus are tight with just over a month of supply, while Ram and Land Rover sit on four months' worth.Waymo has expanded beyond its California and Arizona roots, bringing robotaxis to Atlanta. But there's a catch: you can only hail one through Uber, and it's not guaranteed.Riders can select “Prefer Waymo” in the Uber app, but often get matched with human drivers.Some Atlantans cancel ride after ride—one reporting 20 cancellations on average—just to snag a Waymo.Waymo has only dozens of vehicles in the city now, with plans to grow to hundreds in coming years.Riders can improve their odds by staying inside the 65-square-mile service zone, avoiding highways, and riding outside peak times.As one rider put it, “The fact that it's so challenging to get has turned it into a game.”0:00 Intro with Paul J Daly and Kyle Mountsier1:08 We'll be at the NAMAD Annual Meeting next week1:45 Webinar on Dealer Reputation Tomorrow2:26 Fixed Ops Golden Metrics from Reynolds and ReynoldsJoin Paul J Daly and Kyle Mountsier every morning for the Automotive State of the Union podcast as they connect the dots across car dealerships, retail trends, emerging tech like AI, and cultural shifts—bringing clarity, speed, and people-first insight to automotive leaders navigating a rapidly changing industry.Get the Daily Push Back email at https://www.asotu.com/ JOIN the conversation on LinkedIn at: https://www.linkedin.com/company/asotu/

Joe's Premium Subscription: https://standardgrain.com/Apple Podcasts https://podcasts.apple.com/us/podcast...Spotify https://open.spotify.com/show/4NJ9AZc...Futures and options trading involves risk of loss and is not suitable for everyone.

Will FitLife Brands be able to show the “one man's trash” proverb is an effective growth strategy within the supplement industry? But for anyone new to these quarterly content pieces, FitLife Brands sells more than 250 SKUs across 13 supplement brands…each with a slightly different product portfolio and sales channel strategy. In total, the FitLife Brands portfolio is sold through more than 20K retail locations globally. But throughout this content, you'll hear me categorize the FitLife Brands portfolio into three segments: Legacy FitLife Brands, Mimi's Rock Corporation, and MusclePharm. Though, everything will be changing very soon with the recent acquisition of Irwin Naturals. In the second quarter of 2025, FitLife Brands Inc. (NASDAQ: FTLF) had revenues of $16.1 million...which was down 5% YoY. But while there's strategic initiatives going on that involve the legacy FitLife Brands and Mimi's Rock segments, the most intriguing activity within FitLife Brands is also currently its smallest segment (i.e. MusclePharm). In the second quarter of 2025, MusclePharm segment revenue was just under $2.6 million...which decreased 4% YoY. But maybe you're hearing that result…thinking to yourself “that's not too terrible,” and I'd typically agree (if it wasn't due to self-inflicted strategic wounds). After learning that FitLife Brands intended to bid on the bankrupt assets of MusclePharm, I was generally excited because it seemed to “be a good shepherd to the brand in the latter part of its life cycle.” Also, the pattern of conservative decision-making had me thinking FitLife Brands fully understood it's a turnaround marathon (and not a sprint). Moreover, it was super simple to see that the last 7+ years of MusclePharm brand mismanagement had provided a sizable amount of unlocked value that was just waiting to come out. Furthermore, doing the required “hard work” upfront (aka running the turnaround marathon) to rebuild the foundation of MusclePharm for the long haul would inherently unlock enough short-term financial results to appease shareholders around the acquisition ROI. Yet…that isn't what happened thus far! Instead, FitLife Brands has surprised me (and not in a good way), as leadership has been unable to learn from past MusclePharm experiences that in hindsight were major underlying driver of its failure. It started with “becoming a victim of product line extension creep” but quickly progressed to chasing ready-to-drink protein beverage (and ready-to-eat protein bar) mirages. Finally, I'll discuss the recent decision of FitLife Brands to find potentially “easier growth” through more M&A opportunities. During the first half of 2025, Irwin Naturals generated revenue of $33.1 million. And since the first half 2025 revenue of FitLife Brands was basically a million dollars less…the acquisition of Irwin Naturals effectively doubles the top-line revenue of new combined company.

The brand portfolio of Glanbia Performance Nutrition is the definition of a beige flag...not offensive, but not particularly inspiring or exciting either! Glanbia Plc (LON:GLB) is a multibillion-dollar global nutrition company that's currently comprised of three divisions that span across the B2B supply chain (i.e. Health & Nutrition and Dairy Nutrition) and branded products (Performance Nutrition). “Health & Nutrition” is a leading global ingredients solutions business, providing value added ingredient and flavor solutions to a range of attractive, high-growth end markets. In the first half of 2025, revenue increased by 18% YoY. Also, Glanbia announced the acquisition of Sweetmix, a Brazil-based nutritional premix and ingredients solutions business that will reportedly enable the Health & Nutrition segment to continue its Latin America expansion. “Dairy Nutrition” is the number one producer of American-style cheddar cheese in the U.S. market, but more importantly (for my audience) the number one producer of whey protein isolate…and provides a wide range of dairy and functional protein solutions. In the first half of 2025, revenue increased by 14.1%. The brands in the Glanbia Performance Nutrition portfolio include; Optimum Nutrition, BSN, think!, Isopure, Amazing Grass, and SlimFast. Glanbia Performance Nutrition had first half 2025 revenue that declined by 3.8% YoY, driven by a volume decrease of 3.5% and a price decrease of 0.3%. Additionally, I'll dive deeper into Glanbia Performance Nutrition geographical, sales channel, product format, and categorial performance. As part of the branded products portfolio part of the group-wide transformation program announced last November, Glanbia had begun the sale process on the weight management brand SlimFast (that was acquired for $350 million in 2018) and announced it signed an agreement for the sale of Body & Fit (that was acquired in 2017). So, if negative impact from non-core brands were excluded from the first half performance, GPN revenue would have only declined 1.5% YoY. Optimum Nutrition, which was the initial M&A transaction in 2008 that created the GPN division, now represents 67% of the total revenue. In the last year, Optimum Nutrition generated revenue of approximately $1.2 billion. The other largest share of GPN revenue is the healthy lifestyle brand portfolio makes up 19% and includes ISOPURE, think!, and Amazing Grass. While these healthy lifestyle portfolio brands have collectively performed relatively strong over the last several years, revenue was only up 0.6% YoY in the first half of 2025. And for the final portion of my latest first principles thinking content, I'll focus my “beige flag” assessment by examining GPN revenue by product format...and discuss the new ISOPURE protein water, think! crispy squares, and several new powdered supplement innovations like Optimum Nutrition creatine plus. I'll end with a discussion around what should be the strategic "north star" for Glanbia Performance Nutrition.

In today's Five Things You Need to Know in Multifamily, we're talking books, market shifts, and bold moves.I just finished (almost) Barry Diller's Who Knew? — an incredible ride from humble beginnings to industry legend. If you're in leadership, entrepreneurship, or just love a well-told story, this is worth your time.Next, a stat that caught my attention: short-term vacation rentals saw a 12% YoY spike in May while U.S. hotels grew just 2%. This “shadow market” is pulling on hotel performance — and similar competitive pressures are brewing in multifamily.Then, a BizNow headline hit me hard: Commercial real estate investors are done waiting for a rate cut. The ice is thawing. Deals are happening. If you can pencil them, even imperfectly, now might be the time to get in the game and show the market you're serious.We also talk about immersive media in multifamily marketing. Virtual unit tours, drone shots, neighborhood views — all designed to spark emotion. Because we buy with our hearts, then justify with our heads.Finally, the AI arms race is accelerating. Companies like OpenAI are making moves to integrate deeply into business ecosystems — property management included. Sooner than you think, AI could be your competitive edge… or your competitor's.If you want to stay sharp in multifamily, proptech, and leadership — hit Like, Subscribe, and turn on notifications.For more engaging content, explore our offerings at the[https://www.multifamilycollective.com](https://www.multifamilycollective.com/) and the [https://www.multifamilymedianetwork.com](https://www.multifamilymedianetwork.com/)Join us to stay informed and inspired in the multifamily industry!

Retail's “canary in the coal mine” moment has arrived. The H1 2025 Retail Recap Report reveals a sector under strain from economic volatility, shifting consumer habits, tariff pressures, and rising job losses. In this episode, we unpack the numbers and narratives driving this change, from cautious shoppers and evolving mall spaces to mounting supply chain costs and looming risks for the second half of the year.Drawing on retail performance data, executive insights, and industry forecasts, we connect the dots between consumer psychology, policy impacts, and the strategic crossroads facing retailers. Whether targeting high-income spenders or pivoting to extreme value propositions, businesses must navigate a retail landscape that's fundamentally shifting beneath their feet.What You'll Learn in This Episode:1. The State of Consumer SpendingWhy warehouse clubs and dollar stores are thrivingCaution in grocery spending and reluctance to try new brandsHealth and wellness as a persistent priority amid belt-tightening2. Economic Indicators Behind the SlowdownInflation masking weaker sales volumesH1 driven by high-income spenders while low-income visits drop sharplyMcDonald's reports double-digit declines in low-income customer visits3. Tariff Pressures and Their Consumer Impact$100M in projected costs for Under Armour from tariffs aloneGoldman Sachs estimates tariffs could add $2,400 annually to household expensesPrice impacts on clothing, cars, and fresh produce4. Job Market Shifts in RetailRetail job cuts up 249% YoY, totaling over 80,000 in H1Signs of systemic change beyond seasonal adjustments5. Tourism and Service Sector HeadwindsWTTC forecasts $29B drop in U.S. international tourism spendingU.S. as the only country projected to see a decline in 20256. What to Expect in H2 2025Holiday season uncertainty despite typical seasonal uptickStrategic fork: target the wealthy or pivot hard to value retailInflation, interest rates, and tariffs as ongoing headwindsKey Takeaways:Consumer caution is reshaping where and how people spendTariffs are directly raising household costs and straining retailer marginsJob cuts and slowing tourism add to the sector's instabilityRetailers face a stark strategic choice for the rest of 2025The middle ground in retail is eroding, redefining economic health indicatorsSubscribe to our podcast for expert analysis on retail trends, economic indicators, and consumer behavior shifts. Visit The Future of Commerce for deeper insights into how market forces and policy decisions are shaping the retail landscape. Share this episode with retail strategists, policy watchers, and anyone navigating the challenges of 2025's volatile economy.

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Microsoft's fiscal year ended on a high note, assuming you didn't just get laid off. WinSAT's formal assessment will give you some interesting PC performance information, similar to the old WEI score from Windows Vista. And Proton finally makes a standalone authenticator app; How to transition from whatever you're currently using and why you'll need to keep using Microsoft Authenticator too.Microsoft Earning Quarterly: net income of $27.2 billion on revenues of $76.4 billion. Those figures represent gains of 24 percent and 18 percent, respectively, year-over-year (YOY) Annual: a net income of $101.8 billion (up 16 percent YOY) on revenues of $281.7 billion (up 15 percent) Another look at layoffs, which are nothing new under Satya Nadella - Over 17,000 in CY 2025 so far, despite over $100 billion in profits in FY Headcount "unchanged" YOY Big announcements below were likely made to avoid Qs about layoffs and it almost worked AI spending in FY was about $85 billion, higher than promised AI spending in this quarter will jump to $30 billion (!!!!) Azure earned $75 billion in revenues in FY, its first-ever disclosure of this number - Fun with math, that means $56 billion in revenues in previous FY. How far back can we go? Microsoft's market cap exceeded $4 trillion after earnings release "Copilot" has over 100 million MAUs, really M365 Copilot, which even Nadella thinks is a new M365 tier GitHub Copilot has over 20 million MAUs, probably most are free HUGE gains in Microsoft Gaming/Xbox, discussed below Windows 11 But first, something completely different: Microsoft's "vision" for Windows in 2030 David Weston a curious choice for this video, first in a series - he's in security Daily work life changes thanks to AI - less toil work, less eyes and more talking, multimodal interactions Security - customers want appliance-level security, "it just works" security - Degenerates into a general security discussion Back to AI, reclaiming our lives Windows 11 SE, RIP - We hardly knew you. Literally. Insider: Changes to Home view in File Explorer for Work and School sign-ins, Settings app changes in Dev (25H2) and Beta (24H2) More earnings AMD - HUGE gains in its PC businesses! Qualcomm up 10% Apple up 9.6% Amazon up 13% AI & dev OpenAI releases its first open-weight reasoning models and Microsoft gives them away for free Apple is trying to Sherlock ChatGPT Of course Alexa+ will get ads Dev: Microsoft has a native app problem on Windows Microsoft says it will fix Windows App SDK Paul just switched .NETpad to the Windows App SDK and can confirm it's a nightmare WPF is half-assed... and last year, it took Microsoft over 9 months to deliver the first Windows Copilot Runtime capabilities to devs, but you still can't use this in production. Also, it's not called that anymore Xbox & games Microsoft Gaming has over 500 million MAUs - More fun with math COD has 50 million MAUs Microsoft has nearly 40 games in development Xbox Game Pass has $5 billion in revenues in FY, over 500 million hours played in FY Gaming Copilot (Beta) is available on Game Bar for Windows PC for Xbox Insiders enrolled in the PC Gaming Preview Assassin's Creed Mirage and more coming to Game Pass this month OG Switch models now cost more thanks to tariffs Tips & Picks Tip of the week: These show notes have been truncated due to length. For the full show notes, visit https://twit.tv/shows/windows-weekly/episodes/944 Hosts: Leo Laporte, Paul Thurrott, and Richard Campbell Sponsors: 1password.com/windowsweekly uscloud.com

Microsoft's fiscal year ended on a high note, assuming you didn't just get laid off. WinSAT's formal assessment will give you some interesting PC performance information, similar to the old WEI score from Windows Vista. And Proton finally makes a standalone authenticator app; How to transition from whatever you're currently using and why you'll need to keep using Microsoft Authenticator too.Microsoft Earning Quarterly: net income of $27.2 billion on revenues of $76.4 billion. Those figures represent gains of 24 percent and 18 percent, respectively, year-over-year (YOY) Annual: a net income of $101.8 billion (up 16 percent YOY) on revenues of $281.7 billion (up 15 percent) Another look at layoffs, which are nothing new under Satya Nadella - Over 17,000 in CY 2025 so far, despite over $100 billion in profits in FY Headcount "unchanged" YOY Big announcements below were likely made to avoid Qs about layoffs and it almost worked AI spending in FY was about $85 billion, higher than promised AI spending in this quarter will jump to $30 billion (!!!!) Azure earned $75 billion in revenues in FY, its first-ever disclosure of this number - Fun with math, that means $56 billion in revenues in previous FY. How far back can we go? Microsoft's market cap exceeded $4 trillion after earnings release "Copilot" has over 100 million MAUs, really M365 Copilot, which even Nadella thinks is a new M365 tier GitHub Copilot has over 20 million MAUs, probably most are free HUGE gains in Microsoft Gaming/Xbox, discussed below Windows 11 But first, something completely different: Microsoft's "vision" for Windows in 2030 David Weston a curious choice for this video, first in a series - he's in security Daily work life changes thanks to AI - less toil work, less eyes and more talking, multimodal interactions Security - customers want appliance-level security, "it just works" security - Degenerates into a general security discussion Back to AI, reclaiming our lives Windows 11 SE, RIP - We hardly knew you. Literally. Insider: Changes to Home view in File Explorer for Work and School sign-ins, Settings app changes in Dev (25H2) and Beta (24H2) More earnings AMD - HUGE gains in its PC businesses! Qualcomm up 10% Apple up 9.6% Amazon up 13% AI & dev OpenAI releases its first open-weight reasoning models and Microsoft gives them away for free Apple is trying to Sherlock ChatGPT Of course Alexa+ will get ads Dev: Microsoft has a native app problem on Windows Microsoft says it will fix Windows App SDK Paul just switched .NETpad to the Windows App SDK and can confirm it's a nightmare WPF is half-assed... and last year, it took Microsoft over 9 months to deliver the first Windows Copilot Runtime capabilities to devs, but you still can't use this in production. Also, it's not called that anymore Xbox & games Microsoft Gaming has over 500 million MAUs - More fun with math COD has 50 million MAUs Microsoft has nearly 40 games in development Xbox Game Pass has $5 billion in revenues in FY, over 500 million hours played in FY Gaming Copilot (Beta) is available on Game Bar for Windows PC for Xbox Insiders enrolled in the PC Gaming Preview Assassin's Creed Mirage and more coming to Game Pass this month OG Switch models now cost more thanks to tariffs Tips & Picks Tip of the week: These show notes have been truncated due to length. For the full show notes, visit https://twit.tv/shows/windows-weekly/episodes/944 Hosts: Leo Laporte, Paul Thurrott, and Richard Campbell Sponsors: 1password.com/windowsweekly uscloud.com

Microsoft's fiscal year ended on a high note, assuming you didn't just get laid off. WinSAT's formal assessment will give you some interesting PC performance information, similar to the old WEI score from Windows Vista. And Proton finally makes a standalone authenticator app; How to transition from whatever you're currently using and why you'll need to keep using Microsoft Authenticator too.Microsoft Earning Quarterly: net income of $27.2 billion on revenues of $76.4 billion. Those figures represent gains of 24 percent and 18 percent, respectively, year-over-year (YOY) Annual: a net income of $101.8 billion (up 16 percent YOY) on revenues of $281.7 billion (up 15 percent) Another look at layoffs, which are nothing new under Satya Nadella - Over 17,000 in CY 2025 so far, despite over $100 billion in profits in FY Headcount "unchanged" YOY Big announcements below were likely made to avoid Qs about layoffs and it almost worked AI spending in FY was about $85 billion, higher than promised AI spending in this quarter will jump to $30 billion (!!!!) Azure earned $75 billion in revenues in FY, its first-ever disclosure of this number - Fun with math, that means $56 billion in revenues in previous FY. How far back can we go? Microsoft's market cap exceeded $4 trillion after earnings release "Copilot" has over 100 million MAUs, really M365 Copilot, which even Nadella thinks is a new M365 tier GitHub Copilot has over 20 million MAUs, probably most are free HUGE gains in Microsoft Gaming/Xbox, discussed below Windows 11 But first, something completely different: Microsoft's "vision" for Windows in 2030 David Weston a curious choice for this video, first in a series - he's in security Daily work life changes thanks to AI - less toil work, less eyes and more talking, multimodal interactions Security - customers want appliance-level security, "it just works" security - Degenerates into a general security discussion Back to AI, reclaiming our lives Windows 11 SE, RIP - We hardly knew you. Literally. Insider: Changes to Home view in File Explorer for Work and School sign-ins, Settings app changes in Dev (25H2) and Beta (24H2) More earnings AMD - HUGE gains in its PC businesses! Qualcomm up 10% Apple up 9.6% Amazon up 13% AI & dev OpenAI releases its first open-weight reasoning models and Microsoft gives them away for free Apple is trying to Sherlock ChatGPT Of course Alexa+ will get ads Dev: Microsoft has a native app problem on Windows Microsoft says it will fix Windows App SDK Paul just switched .NETpad to the Windows App SDK and can confirm it's a nightmare WPF is half-assed... and last year, it took Microsoft over 9 months to deliver the first Windows Copilot Runtime capabilities to devs, but you still can't use this in production. Also, it's not called that anymore Xbox & games Microsoft Gaming has over 500 million MAUs - More fun with math COD has 50 million MAUs Microsoft has nearly 40 games in development Xbox Game Pass has $5 billion in revenues in FY, over 500 million hours played in FY Gaming Copilot (Beta) is available on Game Bar for Windows PC for Xbox Insiders enrolled in the PC Gaming Preview Assassin's Creed Mirage and more coming to Game Pass this month OG Switch models now cost more thanks to tariffs Tips & Picks Tip of the week: These show notes have been truncated due to length. For the full show notes, visit https://twit.tv/shows/windows-weekly/episodes/944 Hosts: Leo Laporte, Paul Thurrott, and Richard Campbell Sponsors: 1password.com/windowsweekly uscloud.com

What goes into creating an episode of The Economics of Everyday Things? And how do shows like this one make money? Zachary Crockett turns the mic on himself. SOURCES:Gabe Tartaglia, vice president of podcast and satellite monetization at SiriusXM.Gabe Roth, editorial director of the Freakonomics Radio Network.Sarah Lilley, senior producer of The Economics of Everyday Things.Jeremy Johnston, audio engineer at the Freakonomics Radio Network.Daniel Moritz-Rabson, fact-checker at the Freakonomics Radio Network. RESOURCES:"Digital Ad Revenue Surges 15% YoY in 2024, Climbing to $259B, According to IAB," (International Advertising Bureau, 2025)."Cost per Thousand (CPM) Definition and Its Role in Marketing," by Will Kenton (Investopedia, 2024)."Podcast Statistics You Need To Know," (Backlinko). APM Music — Licensing  .