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In this week's episode of Dividend Talk, we're back with a jam-packed Dividend Announcements & Earnings deep dive.We kick things off with PayPal initiating its first-ever dividend (welcome to the club, Monkey!), Hershey holding flat to stay off the aristocrat chopping block, and a wild stat on revenue-per-employee (OnlyFans crushes tech giants at $37.6M per head). Then it's over to dividend hikes from Iberdrola (+8.2%), Rockwell Automation, AbbVie, and ExxonMobil, before diving into earnings: Nestlé's volume rebound in China, Schneider Electric riding data-center tailwinds, Altria's cash-rich but growth-poor reality, UnitedHealth's margin squeeze, T. Rowe Price outflows, and Shell's $10B FCF buyback machine.In the Q&A, we tackle benchmarking vs. S&P 500, dollar-cost-averaging into falling knives, estate tax broker moves, covered-call ETFs, Finnish gems, Evolution's permanent pivot, and stock-specific takes on Novo Nordisk, APD, Qualcomm, and more.SEE YOU ON THE INSIDE!!Tickers discussed: PYPL, HSY, GOOGL, MSFT, EBAY, AMZN, IBM, MCD, IEP, IBDR.MC, MUM.DE, SIE.DE, APD, LIN, NOVO-B.CO, EVO.ST, QCOM, ARE, ADC, MO, BATS.L, PM, UNH, TROW, SHEL, XOM, TTE, ITW, ABT, ADP, SCHN.PA, ROC.AX, NOVN.SW, NESN.SW, MCD, APH, DHR, TXN, VFC, RELAS, VWS.CO, WSO, GRG.LJoin us:[Facebook] – Https://www.facebook.com/groups/dividendtalk[Twitter] – @DividendTalk_ , @European_DG[Discord] – https://discord.gg/nJyt9KWAB5[Premium Services] – https://dividendtalk.eu/download-your-free-samples/[Malmo Meetup] – https://t.co/STgV1nMWKj

Linktree: ⁠https://linktr.ee/Analytic⁠Join The Normandy For Additional Bonus Audio And Visual Content For All Things Nme+! Join Here: ⁠https://ow.ly/msoH50WCu0K⁠In this Notorious Mass Effect segment, Analytic Dreamz delivers a comprehensive analysis of Rosalía's groundbreaking 2025 single “Berghain” featuring Björk and Yves Tumor, the lead track from her upcoming album Lux, releasing November 7 via Sony Music. Clocking in at 3:26, the Nicolás Méndez-directed video amassed 3M+ YouTube views in 24 hours and 6M+ by October 29, hitting #2 globally on Trending while debuting Top 5 on Spotify Spain and trending in Germany, Iceland, and Latin America. Filmed across Berlin and Barcelona, the multilingual masterpiece in German, English, and Spanish blends organ, choir, synth bass, and London Symphony Orchestra strings conducted by Daníel Bjarnason. Analytic Dreamz dissects symbolic scenes—from Catholic iconography and a wounded heart jewel to Snow White animal motifs, a dissolving sugar cube nod to Kieslowski's Three Colors: Blue, and a white dove ascension signifying rebirth post-heartbreak with subtle Rauw Alejandro references like the fox and garnet medallion. Fashion highlights include archival Alexander McQueen Fall 2002 shredded dress, Spring 2003 rosary sandals, Givenchy Spring 1997 fringed top, and Balenciaga Spring 2004 cutout piece, curated by José Carayol to evoke holiness and reincarnation. Lux's 18-song, four-movement structure features collaborators Carminho, Estrella Morente, Silvia Pérez Cruz, and shifts from Motomami's urban edge to orchestral spirituality, with 300K+ pre-saves and 1.2M+ Instagram likes signaling massive impact. Analytic Dreamz explores lyrics like “Ich halte viele Dinge in meinem Herzen” and Björk's “divine intervention” bridge, positioning “Berghain” as Rosalía's boldest evolution yet.Support this podcast at — https://redcircle.com/analytic-dreamz-notorious-mass-effect/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Suddenly, the urgent narrative in the government shutdown debate has shifted from expiring healthcare premium subsidies to the looming expiration of SNAP benefits... is this the issue that finally puts an end to the stalemate? (at 15:11) --- The Findlay Trojans have a bye in the first round of the playoffs... Head Coach Stefan Adams talks about what they've been doing this week to prepare for next week (at 24:35) --- With fall sports tournaments underway and winter sports about to begin, a reminder about managing and preventing the injuries that send 2.6M kids to emergency rooms each year (at 34:52) --- Another collection of recipes from Kyra's Kitchen! (at 53:56)

People Are Getting Hosed — VA Refi Receipts (Light) A concise, source-backed outline for your live show • Updated Oct 30, 2025 What's Been Happening (2023–2025) CFPB orders NewDay USA to pay $2.25M Federal consent order alleges misleading cost comparisons on cash‑out refis to servicemembers and veterans. Enforcement CFPB • Aug 29, 2024 Newsroom Consent Order (PDF) Case Docket Servicers' pressure on survivors Report details pressure tactics, inaccurate info, and delays for bereaved families with VA‑backed loans. MOAA • Jan 17, 2025 Open Source VA: Pause foreclosures on VA loans VA called on mortgage servicers to pause foreclosures through May 31, 2024 — pushback to curb harm. VA Newsroom • Nov 17, 2023 Open Source VA seeks extended moratorium Requested extending the veteran foreclosure moratorium through Dec 31, 2024. VA Newsroom • May 29, 2024 Open Source CFPB relief for veterans harmed by schemes $6M in relief tied to illegal lending schemes targeting veteran benefits — signals regulatory focus on veteran predation. CFPB • Jan 2, 2024 Open Source MSCI: High speeds in Ginnie Mae VA loans Investor-side analysis flagged extraordinary prepayment speeds — a market clue of aggressive refi activity. MSCI Blog • May 24, 2024 Open Source Ginnie Mae: recent prepayment activity Agency note: VA cohorts led a recent uptick; overall CPR still below pre‑pandemic — use for nuance. Ginnie Mae • Jun 6, 2024 Open Source CFPB Consumer Response (2024) Mortgage-related consumer complaints remain significant; use to frame trends. CFPB • Published May 1, 2025 Overview Full Report (PDF) BBB: high‑pressure & trigger‑lead complaints Consumer allegations referencing rapid-fire calls and “too-good-to-be-true” VA refi offers (use as allegations, not findings). BBB • Ongoing Example complaints Company profile VA IRRRL — official rules Legitimate streamline path; costs can be financed or traded for a higher rate — decode “no‑cost” claims. VA.gov • Updated 2025 VA.gov Benefits (alt) MarketWatch: VASP wind‑down risk As VASP winds down, tens of thousands of veterans may be closer to foreclosure — stakes and urgency. MarketWatch • May 2025 Open Source Reuters: Kickbacks & steering case CFPB accuses Rocket Homes & partner of illegal referral scheme — not VA‑specific, but shows current enforcement climate on steering. Reuters • Dec 23, 2024 Open Source Talking Points (use these on-air) Misleading “savings” claims: Show NewDay consent order. Translate how “no‑cost” often means “financed costs” or a higher rate. Refi churn math: Explain payment reset, added fees to balance, and erosion of equity; cite investor prepayment data. High‑pressure tactics: Trigger‑lead calls, mailers, and scripted urgency; emphasize opt‑out and comparison shopping. Servicing pain points: Survivors report pressure/delays; stress VA escalation paths and patience with documentation. Guardrails for vets: IRRRL mechanics, itemized fees, true break‑even, and avoiding back‑to‑back refis unless math wins. Regulatory posture: VA foreclosure pauses, VASP, and ongoing CFPB enforcement show the government is watching. Call to action: Offer to do a plain‑English, side‑by‑side quote; invite viewers to send statements for a fee audit. Links & CTAs (edit these) RateWatch 2.0 Add your RateWatch sign‑up URL Schedule Consultation Open scheduling link Apply Now Add your application URL SmartCredit (affiliate) SmartCredit signup Credit Karma (affiliate) Free credit score The Budget App (referral) Budget App link YouTube — The Rate Update Add your channel URL Website therateupdate.com Light version • All external links open in a new tab • Replace placeholder CTAs with your URLs • © 2025 The Rate Update

SPACE ROBOTS! We are are talking about this exciting topic again in this episode. Icarus Robotics is a NY-based space robotics start up that just raised its $6M seed financing round. Co-founders Ethan Barajas and Jamie Palmer are our guests. 

A rare male voice in the herpes space, Christopher Pickering, breaks down erectile dysfunction, porn desensitisation, disclosure, and why his sex life got better post-diagnosis.  We cover: A male blueprint for navigating herpes, ED, and dating with actual results How to re-sensitize your brain + body so real sex feels good again The numbers game of dating post-diagnosis (and why one “yes” changes everything) Masculine leadership in disclosure (what women wish men would do) Ethics of coaching: free vs paid help, and why “when you pay, you pay attention” Diagnosis ≠ death sentence. Chris used herpes as leverage to fix ED, quit porn, build confidence, and make condoms work. One win resets the nervous system. You only need a single successful disclosure to rewrite your dating beliefs. Stigma is cultural. Bali/Europe ≠ North America. Education > fear. If you don't believe the shame, it can't stick. Judgment only lands on what you secretly agree with. Business & love mirror each other. Rejection is data. Keep going. Time-stamped guide 00:00 Two choices: hide forever… or heal for real (ED + herpes) 00:49 Where are the men? The five male advocates he can name 02:26 Diagnosis story (Covid era, slow realization) 06:09 Sexless first relationship, desensitisation spiral 10:04 The night he likely got HSV-2; the condom problem 12:06 What was harder: ED shame vs. herpes stigma 17:26 First disclosure via Google Translate (and why it worked) 19:59 Her oral HSV, his perspective shift: “It's the same thing” 21:20 The belief break: one yes > 100 imagined rejections 21:42 Dating = sales: why “no” isn't a verdict, it's math 23:49 Building a herpes brand, handling haters (and a 6.6M-view clapback) 30:39 Family finding out on YouTube (and why he didn't spiral) 45:13 Who has it “easier,” men or women? (truth: both grind, differently) 53:15 Sex now: less stress, more leadership, better orgasms Connect with Christopher: IG: @PickeringFitnessTikTok: @PickeringFitness Ready to break through what's holding you back and create real transformation? Click this link to book a connection call with my head coach and let's get started. I get SO lit up by every single conversation I have with my community.

Glenn Beck Exposes No Kings Plot: This IS a Color Revolution! A new wave of No Kings protests kicked off across the country on October 18. Organizers claimed a whopping seven million people spontaneously rallied to protest President Trump's authoritarian policies. While many mocked white-haired Boomers holding absurd signs, the strategists behind color revolutions know the precise percentage of population involvement needed for a successful coup — and they're inching closer to that goal on American soil. Glenn Beck and renowned researcher Peter Schweizer trace the shadowy multimillion-dollar funding behind No Kings, revealing the who's who in left-wing activism: Tides, Soros, Rockefeller, Ford, Buffett, and Arabella. Peter's team at Government Accountability Institute uncovered a network infrastructure bigger than No Kings designed to create social destabilization. The evidence trail is there, but can Trump's FBI and DOJ stop the revolutionaries before it's too late? Watch this video at- https://youtu.be/U0ZK5Y8npfE?si=gf-X2MPygMxgSUQd Glenn TV Glenn Beck 1.6M subscribers 90,129 views Premiered Oct 22, 2025 ► Click HERE to subscribe to Glenn Beck on YouTube: https://bit.ly/2UVLqhL ► Click HERE to subscribe to BlazeTV: get.blazetv.com/glenn ► Click HERE to subscribe to BlazeTV YouTube:    / @blazetv   ► Click HERE to sign up to Glenn's newsletter: https://www.glennbeck.com/st/Morning_... Connect with Glenn on Social Media:   / glennbeck     / glennbeck     / glennbeck  

Despite skepticism from her US investors, Ivona Butcher bought (and tripled) a business in her native Czech Republic.Topics in Ivona's interview:Doing business in a post-Soviet cultureDetermination to acquire in the Czech RepublicBuying a business as a married coupleGetting into exhibition services right before CovidLosing all revenue at onset of CovidPivoting to virtual eventsFinding work for their carpenters and metalsmithsAggressively re-negotiating their loan with the bankBuying back the seller note at a huge discountSurviving Covid and doubling EBITDAReferences and how to contact Ivona:Ivona ButcherCorbin ButcherBeireAdam Rao on Acquiring Minds: Reviving a Covid-Crushed Business: $0 to $6M in 3 YearsGet complimentary due diligence on your acquisition's insurance & benefits program:Oberle Risk Strategies - Search Fund TeamGet a free review of your books & financial ops from System Six (a $500 value):Book a call with Tim or hello@systemsix.com and mention Acquiring MindsGet a complimentary IT audit of your target business:Email Nick Akers at nick@inzotechnologies.com, and tell him you're a searcherConnect with Acquiring Minds:See past + future interviews on the YouTube channelConnect with host Will Smith on LinkedInFollow Will on TwitterEdited by Anton RohozovProduced by Pam Cameron

0:00 Karine Jean-Pierre slammed by Democrats for bad Biden answers! Robby Soave | RISING 9:38 DNC pays another $1.6M in Harris campaign debt | RISING 19:07 Dem rep outrages Bondi after announcing ‘ICE tracker' | RISING 23:35 Jasmine Crockett eyeing revenge with potential Senate bid?! Lindsey Granger | RISING 31:30 Conservatives fume after study shows past allergy guidance wrong| RISING 40:44 Musk, Sanders: AI, robots will replace all human jobs?! | RISING Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Orthopreneurs Podcast, Dr. Jordan Lamberton shares his journey into orthodontics, influenced by his family's legacy in dentistry. He discusses the transition from traditional brackets to aligners, the challenges of adopting new technologies, and the importance of digital workflows in modern practices. Jordan also explores his entrepreneurial ventures, including car flipping and real estate investments, and his involvement with OrthoBerry, a tech startup aimed at enhancing practice management. Additionally, he shares insights on owning a pediatric dental practice and the value of consulting in navigating this field. The conversation emphasizes the need for unity and open dialogue within the orthodontic community.QUOTES"My practice went from 10% to 80% aligners in six months. Once I committed, I went all in." — Dr. Jordan Lamberton"I bought a house for $700K and sold it for $1.6M in three years. But it wasn't about the money—it was about giving my wife a project she loved." — Dr. Jordan LambertonKey Takeaways00:00 Introduction to Jordan Lamberton02:56 Jordan's Journey into Orthodontics06:03 Transitioning from Brackets to Aligners08:43 Challenges in Technology Adoption12:02 The Importance of Digital Workflow15:08 Exploring Side Hustles: Car Flipping and Real Estate17:59 Investing in OrthoBerry20:44 Owning a Pediatric Practice24:04 Consulting and Support in Pediatric Dentistry26:56 The Future of Orthodontics and Professional UnityAdditional ResourcesIf you've ever felt like you're stuck in a cycle of burnout, indecision, or just too many “what ifs,” this episode is for you. Jordan shows that with clarity, guts, and a few side projects, you can shape a practice—and a life—that works on your terms.

JLo is revealing the reason none of her relationships have worked out, and one of her exes clapped back - loudly. Ben Affleck is back in rehab thanks to a serious conversation with Jennifer Garner. Kristen Bell's birthday post to Dax Shepard is giving women “the ick” over the weekend. Aziz Ansari's movie, ‘Good Fortune' only made $6M in its opening weekend, and we know why. The ‘Stranger Things' spin-off doesn't sound like a spin-off at all. A major theft at the Louvre in broad daylight is straight out of a heist film. A shoe company is facing a class action lawsuit over squeaky shoes.

Kim Kardashian is unrecognizable on the red carpet - because her face is completely covered. Jelly Roll is putting his money where his mouth is. Keith Urban cancelled some shows last week due to laryngitis and then returned for an audience Q&A - risky! Game 7 in the MLB playoffs was thwarted by NFL Sunday night. Why are there no sports on Tuesday? Does frozen food ever expire? Magicians have to have a code because they're not protected by copyright laws. Something about Garfield phones in a shipping container shipwreck. Liars: Can you spot them? What about ghosts? JLo is revealing the reason none of her relationships have worked out, and one of her exes clapped back - loudly. Ben Affleck is back in rehab thanks to a serious conversation with Jennifer Garner. Kristen Bell's birthday post to Dax Shepard is giving women “the ick” over the weekend. Aziz Ansari's movie, ‘Good Fortune' only made $6M in its opening weekend, and we know why. The ‘Stranger Things' spin-off doesn't sound like a spin-off at all. A major theft at the Louvre in broad daylight is straight out of a heist film. A shoe company is facing a class action lawsuit over squeaky shoes. Sabrina Carpenter didn't hold back as the host/musical guest on SNL this weekend. Jennifer Lawrence once fed Robert Pattinson food from her garbage can. The gang dives into a controversial game of would you rather. A plane crash was caused by… space junk? Charmin is bringing back forever roles of toilet paper, but Sarah and Vinnie are against it. St. Louis is the #1 city for singles. Taylor Swift donates $100k to a young Swiftie fighting brain cancer. Sam River of Limp Bizkit has passed away way too soon. Selena Gomez and Hailey Bieber are both sick of being pitted against each other. No Doubt is headed to The Sphere this spring! Have you heard about the mini spheres coming to SF? 10 years ago this week: Hoverboards and Baby Hitler.

BIO: Thomas J. Powell, founder of The Powell Perspective™, is a seasoned entrepreneur, investor, and advocate for founders, bringing clarity, strategy, and resilience to leaders building at scale.STORY: Thomas invested $3.6M in a friend's cannabis company, where he ignored his own due diligence framework. Because he skipped key governance protections and didn't document alignment or exit terms, the investment became frustrating, hard to control, and nearly impossible to fix—proving that breaking your own rules is the most expensive mistake.LEARNING: Never mix friendship and business. Make sure both you and the founder are solving the same problem. “They say good fences make good neighbors, good documents keep good friendships.”Thomas Powell Guest profileImagine navigating the high-stakes world of capital, strategy, and legacy with a guide who has raised billions and structured ventures worldwide. Thomas J. Powell, founder of The Powell Perspective™, is a seasoned entrepreneur, investor, and advocate for founders, bringing clarity, strategy, and resilience to leaders building at scale.Worst investment everYou've probably heard the saying, “Never mix friendship and business.” Thomas learned that lesson the hard way.His story starts with good intentions. When his kids' grandmother battled breast cancer, cannabis was the only thing that eased her treatment side effects. So when medical marijuana became legal in a few US states, investing in the cannabis industry felt like the right thing to do.But here's where things went wrong.A close friend brought him the deal, and because of that personal connection, Thomas skipped many of the due diligence steps he usually followed through his family office. No detailed governance clauses. No proper reporting framework. No accountability structure.It wasn't a small investment either—about $3.6 million. As time went on, the cracks began to show. The company missed financial reports, accounting systems were weak, and when COVID hit, things only got messier. To make matters worse, taking over the business wasn't even an option since he didn't have a cannabis license. The emotional toll of this situation was significant, as Thomas had to face the reality of his investment failing due to trusting a friend blindly.The worst part? Having to look a friend in the eye, knowing he'd broken his own investment rules.Lessons learnedVerify alignment: Make sure both you and the founder are solving the same problem, and that you share the same exit goals. Ask questions like, “If someone offered to buy this company for $25 million today, would you sell?” If your answers don't match, you're not aligned.Watch the hubris: Just because you're smart or successful doesn't mean you can see around every corner. Understand the legal and regulatory landscape before investing, especially in industries like cannabis, where compliance is complex.Enforce accountability: Set clear reporting expectations from day one and include consequences for missed deadlines. Thomas admits that if his deal had stricter enforcement clauses, it would've saved him time, money, and frustration later on.Andrew's takeawaysMany startups underpay themselves. It might sound noble, but it actually distorts valuation and creates problems later.Make sure founders are paying themselves a market-rate salary. That way, when the business is valued or...

Free Offerings to Get You StartedFind your content block ResourcesJoin the TikTok Growth AcceleratorRepurpose Ai: Streamline your content creation and repurpose effortlessly with ⁠Repurpose Ai⁠.Later Content Scheduling: Simplify your social media strategy with ⁠Later⁠.Flodesk: Elevate your email marketing with Flodesk – get 50% off your first year using ⁠this link⁠.Other Resources:Submit a question to be featured on the podcast and receive live coaching! Send a voice note or fill out the⁠ question form⁠.Where To Find Us:Instagram:⁠ @sigma.wmn⁠TikTok:⁠ @sigma.wmn⁠Newsletter:⁠ Subscribe here⁠.Threads:⁠ @sigma.wmn⁠.Same content. Wildly different results. In this episode I share a simple case study comparing 1.6M views on TikTok with 300K views on Instagram using the exact same videos. We unpack what this says about organic reach in 2025, how platform culture shapes performance, and why your energy is better spent where discovery and search are working for you, not against you.You will hear how TikTok's discovery model still surfaces new creators, why relatability beats hyper-polish, and how in-app search sends warm, ready-to-buy traffic to your offers. We look at a practical repurposing flow from TikTok to Reels, the metrics that matter for conversion, and how to design a simple system so your short-form video behaves like a 24/7 sales call while you are offline.If you have been pouring time into content without the return, this conversation will help you shift platform focus with intention, protect your energy, and build aligned visibility that translates into sales, list growth and brand authority.Tune in to hear:What the 1.6M vs 300K case study reveals about organic reach and platform differences.How to convert platform reach into real business growth with search friendly, relatable content.A simple repurposing workflow that saves time and keeps your message consistent across channels.Find the Complete Show Notes Here → ⁠https://sigmawmn.com/podcast⁠In This Episode, You'll Learn:How TikTok's discovery and search mechanics give new and established creators outsized reach.How to choose topics and hooks that align with platform culture to improve watch time and saves.How to turn views into enquiries using chemistry call content and clear next steps.How to repurpose from TikTok to Instagram without losing clarity or momentum.Themes & Time Stamps:0:49 Comparing TikTok vs Instagram reach. A personal case study1:36 TikTok Accelerator programme and Content Block quiz2:06 Setting up creation tools and scheduling apps2:41 Intentional content creation strategy3:16 Content repurposing. From TikTok to Instagram Reels4:02 Understanding algorithm differences between platforms6:33 Converting social reach into business growth7:43 Authenticity on TikTok vs Instagram culture9:08 Platform currency. Relatability vs aspiration10:03 Creating natural, conversational content for TikTok

In this episode, the hosts dissect a $16M listing for a crypto news media company claiming $6M in revenue—raising serious questions about valuation, legitimacy, and what the business actually does.Business Listing – https://www.loopnet.com/biz/business-opportunity/top-10-crypto-news-media-brand-global-syndication-6-5m-revenue/2358000/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.

What if the most undervalued 4-bedders in Singapore are in the North—and they're disappearing fast?   Melvin Lim from PropertyLimBrothers spotlights key districts like Sembawang and Yishun, where a $1.6M entry into resale ECs and condos under 15 years old may offer significant upside. With a current PSF gap of nearly $900 between resale and upcoming TOP condos, the data points to a narrowing window for buyers with a sub-$2 million budget.   Melvin contrasts the return on capital from North-side resale units with higher-quantum alternatives, showing how strategic entry timing and quantum size can lead to stronger ROI. As new launches edge toward $2,400 PSF, this widening resale-to-new gap could make current listings in the North increasingly hard to come by.   If you're eyeing the North for long-term upside or searching for low-quantum, high-yield options in Q4 2025, this episode is one to take notes on.

In this episode, the hosts dissect a $16M listing for a crypto news media company claiming $6M in revenue—raising serious questions about valuation, legitimacy, and what the business actually does.Business Listing – https://www.loopnet.com/biz/business-opportunity/top-10-crypto-news-media-brand-global-syndication-6-5m-revenue/2358000/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.

Bank of England Says Stablecoin Limit Plan Is TemporaryFidelity Buys $154.6M in Ethereum as Analysts See Path to New Highs Despite OutflowsUS Senator Proposes Using Seized Bitcoin as Strategic Reserve

Dave Asprey—serial entrepreneur, bestselling author, and Bulletproof founder—went from making $6M by 26 to losing it all two years later. By 30, a health crash (testosterone lower than his mom's, multiple diagnoses) pushed him to spend millions hacking his biology. He ultimately built Bulletproof to $140M in annual revenue—then was removed from the board in what he calls a calculated coup that cost him hundreds of millions. Now, as CEO of Upgrade Labs, he's focused on making elite biohacking accessible. This conversation goes well beyond cold plunges and butter coffee. Dave maps the decisions he wishes he'd made sooner: firing the $28M mistake, spotting narcissists quickly, and sorting win-win from win-lose people before they poison their business' culture. We explore how birth trauma shows up in leadership, why empathy drains while compassion sustains, and how to step out of the victim–perpetrator–savior triangle. He shares hiring guardrails (the “first-wiggle” rule, real reference checks, the 60-day policy) and therapeutic/energetic tools founders can use immediately. If you're building through chaos—navigating toxic team members, your own triggers, or both—you'll leave with concrete ways to protect your company, your energy, and your judgment.   Key Takeaways and Topics The $28M lesson: recognize the “first wiggle” and act right away Four categories of people (win-win to win-lose) and who to hire Red flags: instant “best friend” chemistry, envy tells, and trauma bonds How to reference-check and background diligence Empathy vs. compassion: boundaries that protect teams and CEOs Business drama patterns and how leaders step out of them Forgiveness as a nervous-system reset; going no-contact with manipulators Energy as a leadership edge: willpower and decision quality Daily levers: intermittent fasting and nighttime darkness   The Failure Factor Podcast was brought to you by Off The Field Coaching. Explore working with one of our coaches at http://offthefieldcoaching.com Hosted by Megan Bruneau: therapist, executive coach, speaker, Forbes contributor, and host of The Failure Factor. For more info, visit https://meganbruneau.com    Follow Dave Site: https://daveasprey.com/ IG: https://www.instagram.com/dave.asprey/  Linkedin: https://www.linkedin.com/in/asprey/  Follow Megan IG: https://www.instagram.com/meganjbruneau LinkedIn: https://www.linkedin.com/in/megan-j-bruneau-m-a-rcc Subscribe to the podcast newsletter at https://thefailurefactorpodcast.com

Welcome to The Chopping Block — where crypto insiders Haseeb Qureshi, Tom Schmidt, Tarun Chitra, and Robert Leshner chop it up about the latest in crypto. This week, Doug Colkitt, Founder Ambient Finance & Founding Contributor at Fogo, joins us as one of the wildest weekends in crypto history drags us back on air: a record $19B+ in liquidations, gas spiking toward $400, exchange APIs wobbling, and ADL ripping through perps as hedges vanished. We unpack what ADL actually does, why delta-neutral farmers got nuked, and how Binance's USDe and staked ETH/SOL pegs snapped amid index design and mint/redeem gaps—followed by refunds. We get into HLP vs. LLP (vaults vs. winning traders), the Hyperliquid “whale” short ahead of the tariff tweet, cross-margin reflexivity that torched alts, and why market makers wore outsized pain. Then we zoom out to infra: sequencers, force-inclusion in practice, and the case for on-chain clearing plus real insurance funds before the next Listen to the episode on Apple Podcasts, Spotify, Pods, Fountain, Podcast Addict, Pocket Casts, Amazon Music, or on your favorite podcast platform.   Show highlights

We're playing “which comes first” today on Your Money, Your Wealth® podcast number 551 with Joe Anderson, CFP® and Big Al Clopine, CPA. “Retired G-Man and Nurse Ratched” from Pennsylvania have saved $2 million. Should they withdraw money first from their IRA or their taxable accounts in retirement? “Mike and Carol in Florida” want to know when and how much to convert to Roth, but they're also sitting on a mountain of company stock. Should they deal with that first? Mackey in Florida is 55 and wonders if he can retire now with $2.6 million and some lingering debt - but there's an important first he's missing too! Plus, Mike in Utah asks Joe and Big Al to spitball on a plan for his 90-year-old mom's $1.9 million annuity, and Doc McMuffin in Minnesota asks for the fellas' take on her plan to gift appreciated assets to her parents. Free Financial Resources in This Episode: https://bit.ly/ymyw-551 (full show notes & episode transcript) YourMoneyYourWealth.com - all our financial resources! Ask Joe and Big Al, blogs, workshops, financial guides, and 11 seasons of YMYW TV! 10 Big Retirement Regrets to Avoid (Before It's Too Late) - YMYW TV Financial Blueprint (self-guided) Financial Assessment (Meet with an experienced professional) REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings   Chapters:  00:00 - Intro: This Week on the YMYW Podcast 00:53 - How to Retire at 55 With $2.6M and Debt? First, How to Write a Good Spitball Request (Mackey, FL) 03:46 - Sequence of Retirement Withdrawals: IRA First or Taxable First? (G-Man and Nurse Ratched, PA) 12:10 - Roth Conversions vs Concentrated Stock: Which Comes First? (Mike & Carol, FL) 29:27 - What to Do With 90-Year-Old Mom's $1.9M Annuity? (Mike, UT) 40:59 - Is Gifting Appreciated Assets to Parents Tax-Smart or Risky? (Doc McMuffin, MN) 48:27 - Outro: Next Week on the YMYW Podcast

Today we're talking about a topic that's really important to me personally: donating and effective giving. Specifically, why donating 10% of your income to the most effective animal charities might be one of the most important things you can do to improve the world.To dive deep into this topic, I'm so excited to have Sjir Hoeijmakers on the show today. Sjir is the CEO of Giving What We Can (GWWC), the global organisation promoting effective giving and the 10% pledge. Even more impressive than this, he donates around 50% of his income to effective charities, so he really puts his money where his mouth is! In our conversation, we talk about the impact your donation can have, why it also makes sense for people who work full-time in the movement and why the act of pledging really matters. We also talk about another important part of Giving What We Can's work: Their evaluation of regrantors and evaluators, including the Effective Altruism Animal Welfare Fund and Animal Charity Evaluators. If anything we talk about today sparks your interest, I really encourage you to consider taking the trial pledge, where you can pledge to give just 1% of your income to effective charities. It's a great way to test it out and see if it works for you. Personally, taking the pledge is one of the things I'm proudest of. Because of this, I'll be donating £50 to Giving What We Can's effective animal advocacy fund for each person who takes the trial pledge or full 10% pledge, up to a total of £1000. So, if you sign up via the links below, there is a special tracker that will let me know how many people take it, and I'll donate accordingly. Take the

In this episode of Scratch, Ariel Kelman, President & CMO of Salesforce, shows how a category leader can still think like a challenger through the power of education, not persuasion. Education beats persuasion when you make community the flywheel: by pairing product truth with peer proof through events like Dreamforce, Trailhead, and forums, so customers learn how to win with your product (not just why it's great). That mindset turns advocacy into momentum.But teaching only lands if the tech actually works in the flow of “work”, so Ariel's rule is being able to put data before demos. He emphasizes the need to harmonize and govern customer data in Data Cloud so AI agents have context, then deploy them where they matter. For example, a product Q&A agent spun up in weeks drove 700k+ customer chats, and their website/service agents have resolved 1.6M cases because they understand real customer history, permissions, and next best actions.Finally, as a brand, you need to be Customer Zero and balance quick wins with long bets. Dogfood your offerings first to iterate fast and convert internal proofs into external playbooks, then scale what works. Watch the video version of this podcast on YouTube ▶️: https://youtu.be/92Rfv19ypQE          

MLB Trade Rumors just dropped their projected 2026 arbitration figures, and there are some tough decisions ahead for Ben Cherington and the Pirates' front office. From Joey Bart's $2.7M projection to Oneil Cruz's $3.6M, the numbers tell a story about who's earned a raise — and who might be on the bubble. On this episode of North Shore Nine LIVE, we're breaking down every name, debating who should return, and what these figures say about the Pirates' 2026 payroll strategy. We'll cover: ⚾️ Who's worth bringing back?

Small Cap Breaking News You Can't Miss!Here's a quick rundown of the latest updates from standout small-cap companies making big moves today.• Draganfly (CSE: DPRO) — Defense Push with Global OrdnanceDraganfly signed a strategic partnership with DLA prime contractor Global Ordnance to fast-track U.S. defense adoption of its Commander 3XL and Flex FPV drones. The plan: leverage government contracting channels, localize manufacturing, and harden supply chains for NDAA-compliant, mission-ready systems.• West Red Lake Gold (TSXV: WRLG) — Big Hits at Madsen's Lower AustinWRLG reported some of its strongest underground intercepts yet: 139.45 g/t Au over 7.8 m, 74.70 g/t over 8.7 m, and 18.31 g/t over 7.5 m. Results suggest ~600 m of high-grade continuity tying into South Austin—supportive of its 2025 restart plan framed by a PFS with reserves and strong projected cash flow.• Scottie Resources (TSXV: SCOT) — High Grade + Bulk Sample MilestoneAt the Blueberry Contact Zone, Scottie hit 8.37 g/t Au over 8.45 m and 122 g/t over 1.2 m. Its largest program to date (5 rigs, >25,000 m) targets resource upgrades ahead of a Q4 PEA evaluating a capital-light DSO/toll-processing route. The 10,000-tonne bulk sample is mined, crushed, and shipped—assays pending.• Clean Air Metals (TSXV: AIR) — Capital-Light PEA at Thunder Bay NorthNew PEA outlines an 11-year, 2,500 tpd ramp-access mine using toll milling: pre-tax NPV8 C$219.4M, 39% IRR, C$89.5M initial capex, 2.5-year payback (spot case lifts to C$316M NPV and 52% IRR). Updated resources: 14.9 Mt indicated at 2.66 g/t 2PGE, 0.40% Cu, 0.24% Ni; 2.49 Mt inferred at 1.62 g/t 2PGE, 0.31% Cu, 0.19% Ni.• Benton Resources (TSXV: BEX) — Portfolio Leverage to AIR PEABenton owns 24.6M shares (9.8%) of Clean Air Metals and a 0.5% NSR on parts of Thunder Bay North. The AIR PEA's strong returns and low capex provide two potential value streams for Benton—equity upside and future royalty exposure—while Benton advances its own high-grade Great Burnt Cu-Au project.For more breaking small-cap news and real-time updates, follow AGORACOM across all channels—and don't miss our podcast for deep dives and interviews. 

Welcome to Entry & Exit — the new Owned and Operated series for builders in the security & life-safety world. Hosts Stephen Olmon and Collin Trimble share how they grew Alarm Masters from under $2M to ~3× revenue, including +50% RMR growth in Year 1.From recurring revenue (RMR) to acquisitions and organic growth, this episode breaks down what it really takes to scale a security business — and eventually position it for a successful exit.✨ What You'll Learn-The 3 revenue pillars (Install, Service, RMR) and target margins- Why buying monitoring accounts opens doors to 5 scopes (cameras, access, fire, intercom, PA)- The coffee/taco drop strategy that keeps customers sticky & cross-sold- How Alarm Masters went from 1st deal → 4 acquisitions → $6M+ in just 2 years- Lessons on hiring, ops leadership, and competing with the national giants- What buyers look for when evaluating your business (RMR %, retention, service cadence)

Réinventer la carte pro, c'est la promesse de Greenway : une carte tout-en-un pour les usages professionnels (mobilité, achats, travel, titres-resto...). Le fondateur Pierre-Yves a voulu lui donner à Jour 1 une dimension impact et RSE puisque chaque dépense génère 1% reversé à ta fondation pour financer des projets environnementaux et sociaux.Ça fonctionne déjà très bien : plusieurs dizaines de milliers d'utilisateurs, 6M€ d'ARR prévus à la fin de l'année et la rentabilité dans la foulée

In this episode, we break down a $1.6 million real estate deal gone wrong — and the crucial lessons learned from Kyle's costly mistake. From failing to secure the property under contract to losing control of the buyer process, this story is packed with takeaways that could save you from your own “$1.6M disaster.”Learn how to build better rapport with sellers, get courageous with your numbers, and avoid rookie errors that can cost you big time in real estate.---------Show notes:(0:52) Beginning of today's episode(1:52) Seller agreeing to the purchase price(3:07) You should never have your buyer's drive by a property before you have it under contract(4:42) Get courageous in your numbers(6:20) Have the property under contract(7:10) Build rapport with the seller----------Resources:Check out No Limits Real Estate InvestingPay Per Leads ServiceTo speak with Brent or one of our other expert coaches call (281) 835-4201 or schedule your free discovery call here to learn about our mentorship programs and become part of the TribeGo to Wholesalingincgroup.com to become part of one of the fastest growing Facebook communities in the Wholesaling space. Get all of your burning Wholesaling questions answered, gain access to JV partnerships, and connect with other "success minded" Rhinos in the community.It's 100% free to join. The opportunities in this community are endless, what are you waiting for?

Today on Hands On, Hands Off, host Moyo Tillery sits down with Dr. Myra Meekins—PT, educator, and curriculum designer—to rethink how we teach and learn OMPT. From “practice makes perfect” to practice with purpose, Myra connects classic motor-learning models to the OPTIMAL theory (expectancies, autonomy, external focus), and shows why you must address the psychosocial to change the psychomotor.We get concrete about designing sticky learning experiences for DPT students, residents, and fellows; building safe, high-expectation lab cultures; and using feedback, simulations, and competency-based education to translate knowledge to performance. Myra also shares her path from MTI fellowship and WashU's Movement System Impairments work to leading curriculum development for a new DPT program and co-investigating a $1.6M grant bringing PT simulation into high schools.You'll learnWhy clear expectations + psychological safety accelerates skill acquisitionHow to scaffold from competence → refinement → mastery across DPT, residency, and fellowshipPractical ways to make learning “stick” for a class of 100 (and a class of 10)Using low-stakes, frequent formative assessment to steer teaching in real timeDesigning integrated, case-based curricula (and avoiding silo traps)What competency-based education and entrustable professional activities (EPAs) look like in PTMovement as the organizing principle: applying Movement System Impairments to guide exam & interventionWhy educators must adapt to the learner in front of them, not the one they used to be

Linktree: ⁠https://linktr.ee/Analytic⁠Join The Normandy For Additional Bonus Audio And Visual Content For All Things Nme+! Join Here: ⁠https://ow.ly/msoH50WCu0K⁠Join Analytic Dreamz on Notorious Mass Effect to explore Taylor Swift's The Life of a Showgirl (2025), her 12th studio album. Released Oct. 3, it broke Spotify records with 6M+ pre-saves and became 2025's most-streamed album in under 11 hours. TikTok buzz soared with #TSthelifeofashowgirl hitting 180K posts. Swift, now the first woman to surpass 100M album sales, drives massive physical sales with vinyl variants. Paired with a $25M–$30M cinema event and produced by Max Martin and Shellback, this release cements her dominance. Dive into the stats and impact! Support this podcast at — https://redcircle.com/analytic-dreamz-notorious-mass-effect/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Linktree: ⁠https://linktr.ee/Analytic⁠Join The Normandy For Additional Bonus Audio And Visual Content For All Things Nme+! Join Here: ⁠https://ow.ly/msoH50WCu0K⁠Join Analytic Dreamz on Notorious Mass Effect to explore Taylor Swift's The Life of a Showgirl (2025), her 12th studio album. Released Oct. 3, it broke Spotify records with 6M+ pre-saves and became 2025's most-streamed album in under 11 hours. TikTok buzz soared with #TSthelifeofashowgirl hitting 180K posts. Swift, now the first woman to surpass 100M album sales, drives massive physical sales with vinyl variants. Paired with a $25M–$30M cinema event and produced by Max Martin and Shellback, this release cements her dominance. Dive into the stats and impact! Support this podcast at — https://redcircle.com/analytic-dreamz-notorious-mass-effect/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Linktree: ⁠⁠https://linktr.ee/Analytic⁠⁠Join The Normandy For Additional Bonus Audio And Visual Content For All Things Nme+! Join Here: ⁠⁠https://ow.ly/msoH50WCu0K⁠⁠ Join Analytic Dreamz on Notorious Mass Effect to explore Taylor Swift's The Life of a Showgirl (2025), her 12th studio album. Released Oct. 3, it broke Spotify records with 6M+ pre-saves and became 2025's most-streamed album in under 11 hours. TikTok buzz soared with #TSthelifeofashowgirl hitting 180K posts. Swift, now the first woman to surpass 100M album sales, drives massive physical sales with vinyl variants. Paired with a $25M–$30M cinema event and produced by Max Martin and Shellback, this release cements her dominance. Dive into the stats and impact! Support this podcast at — https://redcircle.com/analytic-dreamz-notorious-mass-effect/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

LightSpeed VT: https://www.lightspeedvt.com/ Dropping Bombs Podcast: https://www.droppingbombs.com/ In this raw Dropping Bombs episode, Justin Georgopoulos—founder of Trade Launch—shows how he went from butcher-shop shifts to a $6M+ painting company and a seven-figure-a-month GC by 27. He hands you the blueprint most contractors ignore: own demand with simple ads + door-knocking, present quotes at the kitchen table (not by email), price with production standards, and use AI renderings on the spot so buyers see the result and say yes. Most contractors lose deals by emailing quotes. This is how you stop working in the business and start running an asset built on sales, systems, and discipline. Then he gets ruthless about scale: train estimators who close $2–4M/yr, stack selfie-style Facebook ads with canvassing, pre-qual hard, and run tight SOPs/KPIs so jobs deliver without you. You're not a roofer, painter, or GC—you're a sales & marketing machine that happens to build world-class work. If you're stuck on the tools, this is your wake-up call to leverage AI, own the demand, build the machine, and cash out big.

A fast-spreading malware campaign is abusing WhatsApp as both lure and launchpad. Carmaker Renault suffers a data breach. DrayTek patches a critical router flaw. CISA alerts cover a range of vulnerabilities. A new phishing kit lowers the bar for convincing lures. A Catholic hospital network pays $7.6 million to settle data breach litigation. A major breach at FEMA exposes employee data. Google expands Gmail's end-to-end encryption (E2EE) capabilities. On our Industry Voices segment, we are joined by Brian Vecci, Field CTO at Varonis, discussing move fast but don't break things: Innovating at light speed without putting data at risk. The UK's digital ID is a solution in search of a mandate. Remember to leave us a 5-star rating and review in your favorite podcast app. Miss an episode? Sign-up for our daily intelligence roundup, Daily Briefing, and you'll never miss a beat. And be sure to follow CyberWire Daily on LinkedIn. CyberWire Guest On our Industry Voices segment, we are joined by Brian Vecci, Field CTO at Varonis, discussing move fast but don't break things: Innovating at light speed without putting data at risk. You can listen to Brian's full conversation here. Selected Reading Threat Actors Leveraging WhatsApp Messages to Attack Windows Systems With SORVEPOTEL Malware (Cybersecurity News) Major car maker confirms customer data stolen in cyber attack (The Independent) Unauthenticated RCE Flaw Patched in DrayTek Routers  (SecurityWeek) Organizations Warned of Exploited Meteobridge Vulnerability (SecurityWeek) CISA Releases Two Industrial Control Systems Advisories (CISA.gov) New ‘point-and-click' phishing kit simplifies malicious attachment creation (SC Media) Hospital Chain to Pay $7.6M to Settle Breach Litigation (Bank Inforsecurity) FEMA cyber breach exposes employee data (SC Media) Gmail business users can now send encrypted emails to anyone (Bleeping Computer) UK government says digital ID won't be compulsory – honest (The Register) Share your feedback. What do you think about CyberWire Daily? Please take a few minutes to share your thoughts with us by completing our brief listener survey. Thank you for helping us continue to improve our show. Want to hear your company in the show? You too can reach the most influential leaders and operators in the industry. Here's our media kit. Contact us at cyberwire@n2k.com to request more info. The CyberWire is a production of N2K Networks, your source for strategic workforce intelligence. © N2K Networks, Inc. Learn more about your ad choices. Visit megaphone.fm/adchoices

SummaryCrypto is moving fast, from meme coins to serious institutional plays. In this episode of the ATX DAO Podcast, Luke, Ash, and Tom break down the latest on ETFs hitting the market, including Dogecoin's surprising debut with $6M in volume before lunch. They explore how new SEC guidance could open the floodgates for a wider range of crypto assets, while billions flow into Solana DATs from top funds. The hosts also dig into staking yields that leave banks in the dust, like Coinbase offering 10% on USDC, and what that means for everyday users chasing better returns.Luke, Ash, and Tom also dive into Coinbase's growing influence, from speculation about a potential Base token launch to the company's push toward on-chain products that feel more like mainstream financial tools. With the mix of regulatory green lights, ETF hype, and evolving yield opportunities, the episode captures the energy of a market that feels both chaotic and optimistic. Whether you are doomscrolling Crypto Twitter or just trying to keep up with the headlines, this roundtable delivers insights with a healthy dose of humor.Chapters02:46 Market Trends and Crypto Developments05:54 SEC Guidance and ETF Approvals08:28 Solana and New Developments in DeFi11:33 Coinbase's Innovations and Future Prospects14:25 The Role of Tokens in Blockchain Ecosystems17:14 Coinbase's Banking Transition and Market Position20:18 Closing Thoughts and Future EpisodesCheck out our friends at Tequila 512:Website: ⁠⁠⁠⁠⁠⁠⁠https://www.tequila512.com⁠⁠Socials: ⁠⁠X (Twitter)⁠⁠ | ⁠⁠Instagram⁠⁠ | ⁠⁠TikTok⁠⁠ | ⁠⁠Facebook⁠To learn more about ATX DAO:Check out the ⁠ATX DAO ⁠websiteFollow ⁠@ATXDAO⁠ on X (Twitter)Subscribe to our newsletterConnect with us on ⁠LinkedIn⁠Join the community in the ⁠ATX DAO Discord⁠Connect with the ATX DAO Podcast team on X (Twitter):Ash:  ⁠@ashinthewild⁠Luke: ⁠⁠⁠⁠⁠@Luke152⁠⁠⁠⁠⁠Tom: @Tommyg_25Support the Podcast:If you enjoyed this episode, please leave us a review and share it with your network.Subscribe for more insights, interviews, and deep dives into the world of Web 3.

Today on Your Money, Your Wealth® podcast number 549 with Joe Anderson, CFP® and Big Al Clopine, CPA, a comment on one of our YouTube videos sparks a dialogue between Joe and Big Al on the 4% rule vs. the "guardrails" withdrawal strategy. Joe at the Beach is managing his ~$6M portfolio on his own, but wants the fellas' take on his upper limit for yearly spending, so he can keep drinking his old-fashioneds. Can Joe Ko in Virginia afford to bridge the gap between retiring at 67 and taking Social Security at 70? Plus, "Harold and Maude" have nearly $7M saved. Should they accelerate Roth conversions into high-tax brackets before moving from low-tax Colorado to high-tax California? And how much more than their current annual spend can they afford for family vacations and travel? Free Financial Resources in This Episode:  https://bit.ly/ymyw-549 (full show notes & episode transcript) Withdrawal Strategy Guide Cruising Into Retirement Checklist and Guide (limited time offer, download by this Friday!) How to Cruise Into Your Retirement - YMYW TV Financial Blueprint (self-guided) Financial Assessment (Meet with an experienced professional) REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings   Chapters: 00:00 - Intro: This Week on the YMYW Podcast 00:50 - What About the Guardrails Withdrawal Strategy? (Bill, YouTube) 04:13 - I'm 69 with $5.7 Million Saved. What's the Max I Can Spend in Retirement? (Joe at the Beach) 15:12 - 63 and 58 With $1.85M Saved. How Much Can We Spend from 67 Until Social Security at 70? (Joe Ko, VA) 21:30 - We're 61 and 69 with $7.6 million. Can We Increase Our Retirement Spending? How Should We Do Roth Conversions? (“Harold and Maude”, Durango, CO) 33:49 - Outro: Next Week on the YMYW Podcast

Don and Tom open with a tribute to financial writer Jonathan Clements, reflecting on his career and unique investing wisdom. They unpack five of his “pearls,” including saving early, avoiding big mistakes, and living an active, purposeful life. From there, they pivot into critiques of misleading annuity sales cloaked in fiduciary language, highlight changes coming to retirement account catch-up contributions, and tackle listener questions on bond ETFs, ETF vs. mutual fund conversions, CD strategies, and investing with a reluctant spouse. The show mixes respect for sensible investing voices with sharp criticism of gimmicks, all wrapped in listener calls and banter. 1:04 Remembering Jonathan Clements and his influence 2:59 Pearl #1: Make and save money early, passion can wait 3:54 Pearl #2: Winning isn't everything—avoiding losers matters most 5:05 Pearl #3: The tax code rewards patience and savers 5:50 Pearl #4: Don't just stand there, do something (in life, not trading) 7:37 Reflection on his loss and the scarcity of sensible money voices 9:34 Critiquing Kiplinger article and annuity sales cloaked as fiduciary advice 11:44 Pearl #5: Humans are built to strive, not sit idle—retirement requires purpose 12:40 Preview of rising early-retirement questions in upcoming Q&A show 13:22 Vacation banter, Disney's Aulani resort, and “surfing together” joke 14:13 Back to annuity sales, fiduciary mask problem, and misleading disclosures 17:39 Listener email anticipating annuity criticism—prediction fulfilled 18:12 Listener call: pushback on jargon, “basis points vs. bips” debate 20:13 Listener call: bond ETF BINC—why it's loaded with junk and risky 25:22 Explaining Roth-only 401(k) catch-ups starting 2026 for $145k+ earners 27:22 Listener call: ETF vs. mutual fund conversions, Vanguard's patent, Fidelity status 31:29 Listener call: couple with $1.6M in cash, wife afraid of investing 35:36 Don and Tom's advice: show need via a financial plan, start with small stock exposure 35:59 Listener call from Italy: CDs, interest rates, and laddering vs. penalties Learn more about your ad choices. Visit megaphone.fm/adchoices

Gideon Spencer shares how he scaled from a cash-flowing fourplex to $6M in boutique hotels using automation, creative financing, and the mentor flywheel.In this episode of RealDealChat, Jack sits down with Gideon Spencer, real estate investor and founder of a new boutique hotel community, to discuss how he scaled from a fourplex short-term rental to multi-million-dollar boutique hotels in just two years.Gideon shares his origin story in tech, the family health crisis that fueled his drive for automated wealth, and how he uses systems, teams, and creative financing to scale fast. He also explains his “mentor flywheel” strategy for networking and deal flow—responsible for acquiring $6.5M in real estate.Here's what you'll learn in this conversation:How to turn a fourplex into a cash-printing short-term rental businessThe tech automations that make boutique hotels nearly hands-offWhat defines a boutique hotel & why travelers prefer themHow to find asymmetric return markets (better in bad times)The baby boomer “silver tsunami” fueling hotel opportunitiesWhy mom-and-pop hotel owners are the best sellersCase studies: $300 water valve fix = $600K in valueThe most expensive lesson: permitting delays in CaliforniaWhy “never pay someone to do what you could do yourself” is bad adviceThe mentor flywheel: building relationships that lead to dealsWhy creative financing (seller financing, sub-to, private money) is key

 Juna N Joey are an exciting sibling duo quickly making their mark in the music scene! We loved chatting with them about their journey—from starting out at School of Rock to building an incredible YouTube following, and now launching a thriving career together. They remind us that being “weird” is actually a strength, and we even get to hear their single “Sip it Slow.” Don't miss out on this talented brother-sister act—they're on fire! Not to mention their cool new venue “Round Hear” opening fall of 2025 in Goodlettsville, TN!  Juna N Joey are a rising brother-sister country duo known for their tight harmonies, viral success, and heartfelt songwriting. They first gained attention through YouTube covers (8.6M views) and a viral TikTok (10M views), which led to two EPs recorded in Nashville and growing national and international acclaim. In addition to writing their own songs and collaboratingwith major songwriters, Juna N Joey have performed at high-profile events and opened for stars like Morgan Wallen, Bailey Zimmerman, and Jason Aldean. Their music videos are on rotation across platforms including CMT, Heartland, and Nickelodeon, and they've built brand partnerships with Wrangler, Hey Dude, Hard Rock, and more.  The duo has toured nationally and internationally, including a solo European tour and a UK run with Twinnie, plus appearances at festivals like Pepsi Gulf Coast Jam and the iHeart WIRK New Country Rib Round Up. Offstage, they are ambassadors for One Tree Planted, run a yearly food drive, and lead an anti-bullying campaign every October. With support from press, fans, and industry insiders alike, Juna N Joey is a duo to watch as they continue to make waves in country music.  Be sure to check them out here:  Website: junanjoey.com  Tik Tok: junanjoey  Instagram: junanjoey  YouTube: Juna n joey  Facebook: JunaNJoey  Threads: junanjoey 

Send us a textBuckle up—this one's going to piss some people off. Peaches, Trent, and Aaron sit down with Arvis Owens, a Naval Academy grad and former officer who had his career torched by a broken system. From botched carrier landings to fighting false accusations, Arvis lays out how the Uniform Code of Military Justice turned into a political circus where accusations = convictions and careers burn for headlines. The crew rips into toxic training, third-party harassment nonsense, and the absurd reality that you can be innocent and still lose everything. This isn't a pity party—it's a call to action. If you're thinking about joining, already serving, or just want the unfiltered truth about how the military polices itself, this is the episode you can't ignore. Grab your popcorn, sign the damn petition, and maybe don't leave your office door closed ever again.- Petition Link: http://www.change.org/UnjustUCMJ- Theresa's Evidence Link: https://www.theresatapestries.com/false-accusations⏱️ Timestamps 00:00 – Special Warfare selection and Peaches' intro 03:30 – Meet Arvis Owens: From Beaumont to the Naval Academy 06:00 – Carrier landings, failure, and finding another path 07:30 – The accusation that destroyed everything 12:45 – How politics hijacked the UCMJ 19:30 – Good order and discipline—or fear and intimidation? 24:15 – New UCMJ laws and the insanity of “three-potato” stares 31:40 – Incentives to accuse: PCS, VA claims, and payouts 37:00 – Bystander training, Green Dot, and $1.6M of garbage 46:00 – Arvis' petition and what real change looks like 54:30 – Article 134, speech, and the First Amendment clash 01:05:00 – Cameras, common sense, and fixing a broken system 01:10:00 – Closing: Protecting the future force

In this episode, the hosts analyze a $9.5M revenue RV technician school with $2.8M profit, high regulatory barriers, and a tricky $6M real estate kicker.Business Listing – https://quietlight.com/listings/12510300/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.

Retirement planning just got a lot more flexible. In this episode, Andy Hill breaks down the new 5% rule, based on his interview with Bill Bengen, the creator of the original 4% rule. Learn how this updated strategy can help you withdraw more from your portfolio, reach Coast FIRE faster, and enjoy life while you are still healthy. We also hear the inspiring net worth journey of John and David Auten-Schneider, hosts of the Queer Money Podcast, who grew their wealth from $51,000 of credit card debt to $1.6 million in their early 50s. Finally, Andy and his son Calvin dive into “The Good Word,” where they celebrate positive financial news and explore how investing can grow wealth over time. RESOURCES⁠Sponsors, Deals, and Partners that Support the Show Sponsors, Deals & Partners – See all current offers in one place. MKM RESOURCES Own Your Time – Pre-order my first book today! MKM Coaching – Get 1-on-1 support with your family finance journey. Coast FIRE Calculator – Find out when you can slow down or stop investing for retirement. Mortgage Payoff Calculator – See how fast you can become mortgage free. YouTube – Subscribe for free to watch videos of episodes and interviews. RECOMMENDED RESOURCES (SPONSORS & AFFILIATES) Monarch Money – Best budget app for families & couples. Empower – Free portfolio tracker. Crew – HYSA banking built for families (Get an extra 0.5% APY with my partner link). Ethos – Affordable term life insurance. Trust & Will – Convenient estate planning made easy. Podcast Chapters 00:00 – Bill Bengen on enjoying life while spending safely 00:18 – Welcome and today's 3 segments 01:00 – The 4% rule explained 02:20 – How Bill Bengen created the 4% rule 04:10 – Why diversification allows for a higher withdrawal rate 05:30 – Introducing the 5% rule 06:05 – Retirement math examples ($1M and $2M portfolios) 06:45 – FIRE and Coast FIRE implications (20x vs. 25x expenses) 07:50 – Conservative vs. aggressive expert takes (Orman, Ramsey, Vanguard) 09:00 – Why flexibility matters in retirement withdrawals 10:00 – Andy's personal perspective on the 5% rule 10:15 – Net Worth Win: John and David Auten-Schneider (Queer Money Podcast) 13:00 – Their early struggles with $51,000 of credit card debt 15:30 – From debt payoff to Coast FIRE 18:00 – Breaking down their $1.6M net worth 21:00 – Navigating income dips and financial resilience 26:00 – Considering Roth conversions and tapping retirement accounts 32:00 – Future plans: Moving to Mexico and geo-liberation 37:30 – Their advice for others starting the wealth-building journey 39:00 – The power of house hacking and frugal car choices 40:20 – Where to find John and David online 40:23 – The Good Word with Calvin Hill 42:49 – Stock market hits all-time high and Calvin's investing progress HOW WE MAKE MONEY + DISCLAIMER This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. CREDITS Podcast Artwork: Liz Theresa Editor: Johnny Sohl Podcast Support: Andy Hill Learn more about your ad choices. Visit megaphone.fm/adchoices

This week, Kory and LeRoy sit down with industry veteran Kevin Salters and financial expert Joey Coberly from Lawn Care Launch to tackle the biggest mistakes new lawn care and landscaping business owners make — and how to avoid them. Kevin shares his journey from running a $6M commercial maintenance company to coaching small operators, while Joey brings a financial lens to help owners understand their numbers and build businesses that don't just generate revenue but actually create profit. Together, they break down common traps like underpricing, overleveraging debt, and failing to track key metrics like gross margin and revenue per man hour. They dive into why culture starts with the owner, why communication with your spouse and team is critical, and how to build systems and SOPs that let you step back and scale. If you're starting or growing your green industry business, this episode is packed with real-world advice on pricing, financial management, leadership, and building a company that works for you — not the other way around. Free Trial and 20% off Jobber for 6 months: go.getjobber.com/ballardinc Need a website? Use the code GreenGrind to get your first month for $1.  https://www.greenfrogwebdesign.com/koryballard

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 Trump/Xi Call1:59 Tariff Revenue for Farmer Bailout3:41 H-1B Visa Plan6:42 2026 Acres8:20 China Soy Imports9:59 The Funds10:47 Flash Sale11:11 Cattle on Feed

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 Farm Bailout - How Will it Look?4:02 Fed Rate Cut5:42 Bearish Wheat Headlines8:23 Canada Production9:34 Ethanol Production

At 30, Sarah King was forced to liquidate all her assets after a messy divorce. She had to start over and rebuild any wealth she had acquired, all while being a single mom to her one-year-old. Now, just five years later, she has 17 rental properties and is on track to retire early as a multimillionaire over a decade before traditional retirement age. She did it all with very little money and creatively found ways to invest without having a huge bank account.  And she's done it all while working full-time. After building up a small rental portfolio with her now ex-husband, Sarah already had some of the skillset to invest in real estate. The problem? Those properties were sold to pay for divorce fees, leaving her with little money, but a basic plan. Her next step? Find a duplex, renovate it to increase the equity, rent out one side, and live in the other, and…repeat. She did a house hack BRRRR (buy, rehab, rent, refinance, repeat)!  With proof of concept, Sarah went on to repeat this renovation and refinance process, allowing her to scale, with little money, into a sizable rental property portfolio that will pay for her early retirement. Now, she's got a plan to retire with $6M (yes, you read that right) in assets, and is giving you the framework she's using to get there so that you can repeat it! In This Episode We Cover How to build a rental property portfolio with little money but a need for financial freedom The best first investment property to start building wealth with (you can do it with kids!) Why you do not need to use your own money to invest in real estate (private money 101) Better than long-term rentals? Why Sarah pivoted to this high-cash-flow strategy  Buying homes for $200,000 (or less) and still raking in serious rental income  And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/real-estate-1174 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

Dave and Chuck the Freak talk about Dave sent a Potato Parcel, son of the old basketball player issued Jason a challenge, smart glasses being banned from gyms, Shreking dating trend, guilt trips, grandma hired hitman to kill former son-in-law, woman sentenced after feeding her ex mushrooms to kill him, secondary barrier for plane cockpits, pelvic floor massages, man accused of exposing himself on beach, Philly’s Karen, guy took hat from kid at US Open, fan on camera reaches over and grab’s woman’s boob, Charlie Sheen slept with many men, Pam Anderson and Liam Neeson, John Candy documentary, Kenny G at the VMAs, celeb death hoax about Danny Trejo, Darth Vader’s lightsaber sells for #3.6M, Star Wars LEGO, old man stops would-be thieves from stealing Rolex, woman grabbed brother’s dong over PlayStation game, kid left house for Chick Fil A, have you had a debilitating high?, guy took foot model on date, attempted Camaro theft, plane made hard landing, guy rescued kid who got away from family and was walking on monorail track, tall police officer in Texas, nurse gave drunk raccoon CPR, and more!