Podcasts about Asset

The London Stock Exchange has launched a series of indexes to track private investment funds. "Private investment" is a phrase we've been hearing a lot — the Trump administration is trying to make it easier to add it to your 401(k). And the "private credit" market has been catching serious side-eye from Jamie Dimon and others. But what the heck does "private" even mean in these contexts? We have an explainer. Plus, a look at job creation and sentiment among farmers.

Jason  champions a view of real estate as a "packaged commodities" investment, emphasizing the financial advantage of the 30-year fixed-rate mortgage. They also stress the importance of adjusting financial figures for inflation, noting that reports of skyrocketing luxury home sales are misleading when not accounting for the dollar's diminished purchasing power. Furthermore, the discussion touches on the unusual trend of luxury home price growth outpacing non-luxury homes due to wealth concentration and the Cantillon effect. Finally, the speaker promotes the strategy of inflation-induced debt destruction and discusses the long-term upward pressure on rents, before briefly introducing the topic of long-term care insurance. The Jason welcomes Aaron Miller, a lawy specializing in long-term care insurance. They focus on long-term care planning and funding options, with Aaron Miller sharing his personal and professional experience as an attorney specializing in elder law. They cover various methods for paying for long-term care, including private pay, insurance, and government assistance programs like Medicaid, with emphasis on the importance of proper planning to avoid financial strain on families. Aaron concluded with insights on elder law abuse, particularly financial abuse by caregivers, and the benefits of long-term care insurance for protecting one's legacy and assets through proper estate planning. #PackagedCommodities #RealEstateInvesting #InflationInducedDebtDestruction #WealthConcentration #LuxuryHousingMarket #HomeSales #AdjustForInflation #CPILie #HousingAffordability #IncomeProperty #PassThroughAsset #RentIncreases #LinearMarkets #CyclicalMarkets #MortgageRates #GovernmentIntervention #LongevityBreakthroughs #LongTermCareInsurance #DieWithZero #FinancialAI  Key Takeaways: Jason's editorial 1:24 Be a packaged commodities investor 2:54 Hamptons housing, inflation and other news 9:55 International tourist trips 11:13 US home prices are up 13:53 House prices outpaced income growth 16:45 FED cuts US rates 17:30 BOA: Copper prices could rise 18:35 Teeing up long-term care insurance 20:10 Need help? Reach out to our investment counselors today! Check out our FREE Ai tool- JasonHartman.com/Ai Aaron Miller interview 21:54 3 Ways for Long-term care insurance 24:35 Government Insurance 29:47 A sword and shield   Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com  

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Would you say your agency is truly profitable? Take a closer look and assess its structure, systems, and tools through the lens of business maturity. You may find you're still in the chaos stage, in need of structure and vision. Running an agency often starts with passion and talent, but keeping it running smoothly takes systems, leadership, and a strong operational backbone. This operational maturity doesn't happen overnight. As today's featured guest knows well, it's a process of reflection, restructuring, and relentless improvement. Harv Nagra is the Head of Brand Communications at Scoro and host of The Handbook: The Operations Podcast, where he explores how agencies and consultancies build scalable, profitable operations. As someone who has spent his career at the intersection of creativity, consultancy, and operations, he'll discuss the key stages of agency growth, the pitfalls of immature operations, and the leadership mindset required to scale sustainably. In this episode, we'll discuss: Understanding the agency maturity model. Evolving your agency from chaos to clarity. Growing your leadership to create framework. Data and the path to predictability. Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources E2M Solutions: Today's episode of the Smart Agency Masterclass is sponsored by E2M Solutions, a web design, and development agency that has provided white-label services for the past 10 years to agencies all over the world. Check out e2msolutions.com/smartagency and get 10% off for the first three months of service. Why Most Agency Founders Aren't Natural Operators Harv has been in the agency space for most of his career, working in marketing and design, and, although he currently works as Brand Communicator for Scoro, he keeps his finger on the pulse of the industry via his podcast The Handbook, where he talks to owners about running great agencies and consultancies. After speaking with so many founders, Harv is aware that operations is often the blind spot for first-time agency owners. They were very good at delivering a service and ended up being an "accidental founder". People start agencies because they're great at marketing, design, or development, not because they planned to manage P&Ls or build operational frameworks. As a result, growth often outpaces structure, and operations fall behind. Early on, these agencies prioritize sales and survival, just trying to land enough business to stay afloat. But as Harv emphasizes, there's a point where founders must transition from doing great work to running a great business. Without operational clarity, even the most talented teams end up winging it, leading to burnout, inefficiency, and missed profit. Understanding the Agency Maturity Model One of Harv's biggest turning points came when his COO introduced him to the concept of a business maturity model. It was an eye-opener. He thought the agency was doing fine, until the framework revealed gaps he didn't even know existed. It showed him that agencies, like people, evolve through stages, from chaotic startups to structured, data-driven organizations. The models vary, but there are usually 5 stages: 1. People challenges 2. process challenges 3. Data and metrics 4. Technology and tools 5. Growth strategy The early stage is where chaos reigns. Processes are tribal, training is informal ("just learn from whoever you sit next to"), and there is no consistent way of working. As the business grows, pockets of best practices emerge, but without unified systems or documentation. The most mature agencies reach a level where processes are standardized, data is reliable, and leaders can make decisions based on insights rather than gut feelings. Unfortunately, only a small percentage of agencies ever get there. From Chaos to Clarity: Building Operational Maturity When Harv stepped into an operations role, his agency was stuck between chaos and maturity. Multiple entities were working in silos with inconsistent tools and workflows. Financial reporting was messy, and onboarding was informal. Everything began to change when they hired a finance director who helped formalize budgeting and systemize financial operations. Together, they redefined how projects were quoted, tracked, and managed, bringing consistency and visibility that had been missing for years. It's a common growing pain for agencies that scale faster than their systems. As Jason recalls, before implementing time tracking, he believed all clients were profitable. The data told a different story: 60% of projects were actually losing money. That realization forced him to fix pricing, reposition the agency, and rethink sales and operations from the ground up. The Leadership Shift: From Fighting Fires to Frameworks Many agency owners reach a ceiling because they're still running their business as they did in the early days. As he moved up the ladder, Harv and his team tried to get the agency's leadership team to realize they were spread too thin, with each senior leader juggling multiple internal roles alongside client work. Once leadership saw the problem, the real work began; creating clarity, documenting systems, and assigning accountability. The key here was clarity, so Harv and this finance director documented everything from budgeting to time tracking, to reporting and resourcing. It was a huge leap in maturity and it consolidated when the founders brought an interim COO who audited operations, restructured the organization, and helped senior leaders focus on strategic leadership instead of firefighting. Finally, there was a clear understanding of where the agency is going, who it serves, and how it operates. Without that, leaders end up managing chaos rather than building growth. Data, Tools, and the Path to Predictability As Harv's agency matured, the next challenge was data and technology. Their systems were outdated, and reporting was cumbersome. Upgrading their tech stack allowed them to collaborate across borders, manage multiple entities, and gain visibility into key metrics like capacity and revenue forecasting. This shift toward being data-driven enabled proactive decision-making instead of reactive problem-solving. Alongside technology, restructuring played a key role. The agency had to make tough decisions about team composition, ensuring the right people were in the right seats. As Harv put it, "Just because someone's been there from the beginning doesn't mean they're the right fit for the next phase." It's a difficult but necessary mindset for sustainable growth. Letting Go — The Hardest Step in Agency Maturity For founders,  growth means letting go. Letting go of old habits, outdated systems, and sometimes even long-time team members. Many owners treat their agency like a baby, and it's a mistake. When leaders cling too tightly, they become the bottleneck. True maturity happens when they can trust the team, delegate decisions, and focus on leading rather than managing. As Harv summarized, agencies should think of themselves less like families and more like sports teams where each player has a role, and the lineup changes as the game evolves. The goal isn't comfort, it's performance. That's what separates agencies that evolve from those that plateau. Do You Want to Transform Your Agency from a Liability to an Asset? Looking to dig deeper into your agency's potential? Check out our Agency Blueprint. Designed for agency owners like you, our Agency Blueprint helps you uncover growth opportunities, tackle obstacles, and craft a customized blueprint for your agency's success.

Land isn't just dirt under buildings—it's the world's oldest, strangest asset, worth an estimated $180T, quietly steering credit cycles, politics, and who gets to build the future. Economist editor and Money Talks host Mike Bird joins us to decode the “land trap”: why superstar cities underbuild, how mortgages turned banks into land-collateral machines, and what Japan's 1980s super-bubble can (and can't) teach us about China's managed deflation today. We trace ownership from Babylonian stone ledgers to modern cadastres, ask whether America ever ran a de facto “land standard,” and explore pragmatic exits: build where demand is, deepen capital markets so homes aren't the only savings vehicle, and tax land value uplift to fund infrastructure. ---

Fuquan Bilal shares how he scaled NNG Capital Fund, raised $50M, and built systems, teams, and mindset to create freedom through real estate investing.In this episode of RealDealChat, Jack Hoss sits down with Fuquan Bilal, founder of NNG Capital Fund, to discuss how he built a $50M+ portfolio through multifamily, affordable housing, and luxury new construction—powered by systems, people, and purpose.Fuquan explains how he started from nothing, burned his bridges to corporate life, and learned the hard way how to scale sustainably. He shares his experience implementing EOS (Entrepreneurial Operating System), raising capital through transparency, and developing affordable housing in the Southeast while building luxury spec homes in New Jersey.You'll also hear how he uses AI for deal analysis, trains his team through systems, and helps investors earn passive income while providing quality housing for families in need.What you'll learn in this episode:How Fuquan started with one deal and scaled to raising $50M+ in capitalWhy transparency and communication build investor trustThe real work after closing: asset management & operational excellenceWhy self-managing properties can double profitabilityHow to implement EOS & Scaling Up to create real tractionLessons from right-sizing your team & aligning around core valuesFour pillars of business success: people, strategy, execution & cashWhy systems + mindset = scaleHow to use creative financing (seller carryback, bridge alternatives)How AI is transforming underwriting and deal review

This time of year is critical. As sales leaders map out their budgets for the new year, the conversation always centers on a core conflict: How to cut expenses and, simultaneously, motivate teams to hit larger quotas. What's the first line item to feel the squeeze? Training and development. It is often incorrectly labeled a 'want' and not a 'need.' We hear leaders say, "It can wait until next quarter," or, "Once we stabilize revenue, we'll invest in the team."  This short-sighted thinking doesn't save money. Instead, it's costing organizations a significant, quantifiable amount of revenue and talent. When professional development is treated like a luxury, we undermine the foundational ability of our teams to perform consistently at a high level. Training is the Foundational Requirement for Peak Performance Sales leaders should consider peak performance in any high-stakes environment. In the military, or in elite professional sports, ongoing training is not a choice—it is a non-negotiable, daily priority.  So why is it that, in Sales, we view continuous development as optional or too expensive? The simple truth is that lack of training is the most expensive mistake you can make. Think about the rate of technological change. Most of us have upgraded our cell phones in the last three to five years because the old ones simply couldn't keep up.  The same principle applies to your sales team's skill set. If your representatives are still relying on techniques learned 5, 10, or 15 years ago, then they are operating at a competitive disadvantage. They will be outmaneuvered and outperformed by competitors who are strategically investing in modern sales frameworks every time. Henry Ford's famous quote still holds true: "The only thing worse than training employees and losing them is to not train them and keep them." If you believe training is expensive, you must take a moment to calculate the monumental loss of reps consistently missing their quotas. The True Cost of Inconsistency and Turnover Look at the numbers. Assume three of your representatives are consistently missing quota by just 20%. That deficit is lost revenue—but it also represents wasted leads, missed opportunities, and the corrosive ripple effect of deals that never even make it into your pipeline. The amount of potential revenue lost due to underperformance is often far greater than the entire annual budget you would allocate to comprehensive sales training. Action Plan for Sales Leaders & Managers To reverse this loss, you must treat coaching as a continuous operational requirement, not a perk. Calculate the 'Cost of Inaction' to Justify Budget: Reframe thinking of training as an expense and start focusing on the cost of the status quo. Calculate the annualized revenue loss from your bottom 20% of underperforming reps (e.g., missed quota * average deal size). Use that concrete number to justify and secure a budget for development, proving that not training is your biggest liability. Implement a Continuous Coaching Framework: Don't rely on annual training events. Transform your managers into daily coaches by mandating 30 minutes of structured, one-on-one coaching per week focused on skill development. This reinforcement is what locks in new behaviors and prevents the initial energy gained in training from fading. The Hidden Expense of Disengagement Talent turnover is another critical cost of lack of training that is often overlooked. A representative who feels unsupported, or who consistently misses quota because they don't have the necessary tools and coaching, is highly likely to seek opportunities elsewhere.  The cost of recruiting, onboarding, and ramping a replacement—which includes the loss of established customer relationships and the disruption to team morale—significantly outweighs the expense of proactive investment. How to Take a Struggling Rep From Liability to Asset

The allegations surrounding Mary Erdoes, the CEO of JPMorgan Chase's Asset and Wealth Management division, focus on what she knew—and when—about Jeffrey Epstein's criminal conduct while the bank continued doing business with him. Epstein remained a JPMorgan client from the late 1990s until 2013, despite his 2008 sex crime conviction and repeated internal warnings about his activities. Internal compliance emails revealed that by 2006, Epstein's accounts were already raising red flags for suspicious activity, and by 2011, Erdoes was directly alerted to legal developments confirming his sex-offender status—she reportedly responded with a short “Oh boy.” Testimony and internal records suggest that Erdoes and then–general counsel Stephen Cutler held the authority to terminate Epstein's banking relationship but did not exercise it, even as other staff raised serious concerns. Multiple reports indicate she continued corresponding about Epstein's status and compliance reviews, demonstrating a level of awareness inconsistent with the bank's later public claims that knowledge of his misconduct was confined to lower levels.Critics argue this places Erdoes near the center of JPMorgan's failure to cut ties sooner, implying that the decision to keep Epstein as a client was not a mere oversight but a conscious choice by top management to preserve a lucrative relationship. During litigation brought by the U.S. Virgin Islands and Epstein's survivors, JPMorgan's internal communications were unsealed, showing that Epstein's financial activity had been reviewed annually and still cleared for continuation under Erdoes's division. Jes Staley, Epstein's primary contact within the bank, later testified that Erdoes “had full authority” to drop him but chose not to. Erdoes herself has denied any knowledge of Epstein's sex-trafficking operations, stating that her involvement was limited to compliance oversight and that Epstein was eventually off-boarded once risk assessments changed. Nevertheless, the accumulated evidence—from internal memos to executive testimony—has left a troubling picture of institutional willful blindness at the highest level of the world's largest bank.to contact me:bobbycapucci@protonmail.com

How can a century-old family tradition from Greece successfully disrupt the competitive U.S. snack aisle. I sat down with OLYRA President and CEO Yannis Varellas to discuss his fascinating journey transforming a fifth-generation flour mill into a modern consumer brand. He details his approach to market entry, the distinction between Amazon and D2C strategies, and how his vision started with a single shipping container filled with Greek cookies.

In this episode we answer emails from Jess, Phil and Scott.  We discuss an experience of setting up a sample RPR portfolio for one's self, using asset swaps to manage cash, and fun with the low bar standards and other inadequacies of many financial advisors.And THEN we our go through our weekly and monthly portfolio reviews of the eight sample portfolios you can find at Portfolios | Risk Parity Radio.Additional Links:Father McKenna Center Donation Page:  Donate - Father McKenna CenterHow To Do An Asset Swap Video from Risk Parity Chronicles:  How to Do an Asset SwapBigger Pockets Money Test Risk Parity Style Portfolio:  We Built a 5% SWR Retirement Portfolio Using Fidelity in 48 Minutes (Golden Ratio Portfolio)Excess Returns Podcast With Rick Ferri (forward to minute 49):  Most Never Escape Stage 3 | Rick Ferri on How You Can Beat the Complexity TrapBreathless Unedited AI-Bot Summary:Tired of being told that everything beyond a three-fund portfolio is “too hard”? We pull back the curtain on practical tools that make DIY investing simpler in practice, not smaller in ambition. Starting with a listener's test portfolios, we show how hands-on experience beats theory, why diversification means loving today's winners and tomorrow's comebacks, and how to turn rebalancing into reliable cash flow.We go deep on asset location and the overlooked power of asset swaps. By “selling here, buying there,” you can keep your overall mix unchanged while moving ordinary income into tax-deferred accounts and positioning equities in taxable for qualified dividends and capital gains. If you've been parking big cash balances in a HYSA and wondering why your tax bill keeps creeping up, this segment is your blueprint for tax efficiency without extra risk.Then we tackle withdrawal rates with clear eyes. Many advisors still anchor to 3 percent for retirees in their 60s. We explain why diversified, risk parity style allocations can responsibly target closer to 5 percent over long horizons, especially when you harvest from strength. Case in point: trimming gold after a powerful run to fund November distributions across our sample portfolios. We share market snapshots, what's leading and lagging, and how a rules-based process keeps emotion out of the driver's seat.If you want an investing plan that funds a life—relationships, experiences, generosity—rather than an accounting hobby, this conversation is your on-ramp. Subscribe, share with a friend who needs a nudge to start that test portfolio, and leave a review telling us your target withdrawal rate and why.Support the show

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training How would you go about making acquisitions to accelerate your growth? Would you buy for revenue, culture fit, or client roster? Would you be willing to fire big clients that are holding your agency back? Most agency owners chase growth by saying "yes" to everything, from new services, new clients, and every new opportunity. Today's featured guest built one of the fastest-growing mobile and digital agencies in the world by narrow focusing, firing bad-fit clients, and mastering the art of strategic acquisitions. Today he'll unpack how his agency evolved from a small mobile startup in Tel Aviv to a global digital powerhouse working with brands like Google, Uber, Samsung, and Microsoft. Gilad Bechar is the CEO and founder of Moburst, a mobile-first marketing and digital transformation agency with offices in Tel Aviv, New York, and San Francisco. Since 2013, Moburst has helped startups and Fortune 500s alike scale their reach through creative, data-driven, and tech-forward strategies. Under Gilad's leadership, the agency has raised capital, acquired multiple specialized firms, and built proprietary technology that keeps them ahead of the curve in AI, mobile UX, and cross-platform performance. In this episode, we'll discuss: The similarities between the mobile boom and the new AI era. Raising capital without losing control. Using acquisitions as a growth strategy. The power of saying no and focusing on fit. Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources This episode is brought to you by Wix Studio: If you're leveling up your team and your client experience, your site builder should keep up too. That's why successful agencies use Wix Studio — built to adapt the way your agency does: AI-powered site mapping, responsive design, flexible workflows, and scalable CMS tools so you spend less on plugins and more on growth. Ready to design faster and smarter? Go to wix.com/studio to get started. From A Mobile-First Niche Focus to Global Agency Powerhouse When Moburst launched in 2013, the agency world was flooded with "digital experts" who claimed to understand mobile. Most didn't. Gilad noticed that agencies were simply repurposing desktop experiences for smaller screens without real mobile UX thinking, no data-driven optimization, and definitely no understanding of how users behaved differently on apps. That insight became Moburst's edge. Instead of trying to compete as another full-service digital shop, they doubled down on mobile-first marketing. They mastered app store optimization (ASO), performance tracking, and mobile UX design. That focus helped them land early wins with major clients who were desperate for expertise in a fast-changing environment. As Gilad puts it, "When you show big clients that a critical piece of their marketing is being ignored, and you can fix it, that's your entry point." The AI Parallel: Most Agencies Talk, Few Deliver Gilad sees history repeating itself with AI. Just like the early mobile days, everyone's suddenly an "AI expert." But the difference between hype and real expertise shows up fast in a conversation. He believes the proof lies under the hood. Real experts can answer deep implementation questions: which tools integrate best, how to handle data security, and what AI models perform for specific tasks. Pretenders can't. For agencies, this is a reminder that credibility is earned through insight, not jargon. Clients see through the buzzwords. And the ones who don't will eventually learn when the work doesn't deliver. Raising Capital Without Losing Control Unlike most agency founders, Gilad took venture funding, not once, but three times. But he did it differently. Instead of giving away huge equity chunks, Moburst only diluted small percentages (around 6% each round). The investors came to them after seeing how fast their clients were growing. Without that, his agency wouldn't have its current success in the US market and would probably still be a very local agency in Israel. That capital gave him the means to hire a team in New York and then eventually move there to lead that office. It was the start of many new opportunities for the agency, like building internal tech tools that set them apart. It was also the way his team has stayed ahead of the curve from competitors that are not investing in the future and stay too focused on the right here and now. Furthermore, despite having 11 investors, Moburst kept full control. Only one board seat represents all investors, and it can't override the founders' decisions. According to Gilad, that control is what allowed them to make hard but smart moves, like firing clients and cutting costs in 2017 when growth was strong but profitability wasn't. The Hard Reset That Saved the Agency and Restored Profitability In 2017, Moburst was scaling fast but losing money just as quickly. The agency was adding clients and headcount, but without the right systems to manage profitability. At one point, they were bleeding up to $70,000 a month. So Gilad made the tough call: he cut unprofitable clients, reduced staff, and rebuilt the agency around systems that supported healthy margins. "It was brutal," he admits. "We let go of big, well-known clients we loved working with. But it didn't make sense to keep losing money just to say we worked with them." That painful reset worked. By 2018, the agency was profitable again and positioned for sustainable growth. That reset set the stage for their next evolution: acquisitions. How to Use Acquisitions as a Growth Strategy (Not a Gamble) Moburst's acquisition strategy wasn't about buying revenue or chasing vanity growth. It was about buying capabilities that solved their biggest operational gaps. Their first acquisition was a video production studio they had already worked with for over a year. The partnership was strong, the culture aligned, and the collaboration was smooth. So they brought them in-house in 2019 and the agency's offerings instantly expanded. Then they looked at their next biggest outsourced expense: web and app development. So in 2022, they acquired a dev shop after a successful collaboration period. In total, Moburst has made five acquisitions, each one following a simple rule: test first, integrate later. As Gilad says, "We don't buy to solve problems. We buy what already works and multiply it." When asked about whether or not these brands keep their names after acquisition, Gilad says it all depends on their brand authority. If they do great work and have a solid team but their brand isn't as strong, then it's best to just bring it under the Moburst umbrella. In case they do have a strong brand, then they'll just make sure their website reflects they are part of a larger group. How to Structure an Agency Acquisition Deal the Smart Way For agency owners eyeing their own M&A moves, Gilad shared his preferred deal structure. Each acquisition has four key components: Cash upfront - Rewards founders for their hard work. Equity - Gives them a stake in the larger vision. Dividends - Paid yearly so they benefit from the agency's profits. Performance bonuses - Tied to the profitability of their specific business unit. This structure keeps founders motivated and aligned for years to come, without the traditional burnout that comes from rigid earnouts. Everyone wins when growth is sustainable and collaborative. Why Firing Bad Clients Helps Scale Smarter One of the biggest lessons Gilad takes away from journey is the courage to say no: to clients, deals, or directions that don't fit. Agencies often cling to bad accounts out of fear of losing revenue, but simply put, that's a silent killer. If you're not profitable on a client, you're not just breaking even; you're paying for the privilege of overworking your team. Moburst's growth didn't come from doing more — it came from doing what mattered most. By focusing, pruning, and strategically acquiring, Gilad turned a niche mobile startup into a global digital powerhouse. Do You Want to Transform Your Agency from a Liability to an Asset? Looking to dig deeper into your agency's potential? Check out our Agency Blueprint. Designed for agency owners like you, our Agency Blueprint helps you uncover growth opportunities, tackle obstacles, and craft a customized blueprint for your agency's success.

As equity markets grind higher and trend strategies navigate sharp reversals, Moritz Siebert welcomes Nick Baltas of Goldman Sachs for a conversation that moves beyond performance to examine structure. Together they unpack the machinery of the $1.3 trillion QIS industry - from index design and client behavior to the subtle forces shaping capacity and crowding. They discuss how trading speed has become a key axis of dispersion, why volatility remains the hidden cost in systematic portfolios, and what resilience in markets might really be masking. This is not just about strategy. It's about how products scale, and how ideas hold.-----50 YEARS OF TREND FOLLOWING BOOK AND BEHIND-THE-SCENES VIDEO FOR ACCREDITED INVESTORS - CLICK HERE-----Follow Niels on Twitter, LinkedIn, YouTube or via the TTU website.IT's TRUE ? – most CIO's read 50+ books each year – get your FREE copy of the Ultimate Guide to the Best Investment Books ever written here.And you can get a free copy of my latest book “Ten Reasons to Add Trend Following to Your Portfolio” here.Learn more about the Trend Barometer here.Send your questions to info@toptradersunplugged.comAnd please share this episode with a like-minded friend and leave an honest Rating & Review on iTunes or Spotify so more people can discover the podcast.Follow Nick on Twitter.Follow Moritz on LinkedIn. Episode TimeStamps:00:23 - Moritz opens the show and introduces Nick01:16 - Nick's quick life update and setting the tone02:45 - Market resilience vs. fragility in 202504:18 - Performance rundown: CTAs, trend, equities, bonds06:10 - October reversals: metals and livestock giveback07:32 - What's working: equities, gold, copper; sugar shorts08:58 - Trend speed, April V-shape, and dispersion10:40 - Position exits, re-entries, and neutral zones11:55 - How QIS differs and why it's opaque from the outside14:40 - How big is QIS? Asset class split and caveats18:05 - Who uses QIS: from asset owners to hedge

As 2025 wraps up, so does your chance to make smart, proactive tax moves before the year is over. In this episode of Wise Money, we walk through your 2025 fall tax planning playbook and checklist for you to follow. We cover Roth conversions, RMDs and QCDs, topping off Health Savings Accounts (HSAs), and how the tax law changes passed this summer should shape what you do before year-end. Season 11, Episode 11 Download our FREE 5-Factor Retirement guide: https://wisemoneyguides.com/    Schedule a meeting with one of our CERTIFIED FINANCIAL PLANNERS™: https://www.korhorn.com/contact-korhorn-financial-advisors/ or call 574-247-5898.   Subscribe on YouTube: http://www.youtube.com/c/WiseMoneyShow Listen on podcast: https://link.chtbl.com/WiseMoney  Watch this episode on YouTube: https://youtu.be/9hmqkEvVptc  Submit a question for the show: https://www.korhorn.com/ask-a-question/   Read the Wise Money Blog: https://www.korhorn.com/wise-money-blog/    Connect with us: Facebook - https://www.facebook.com/WiseMoneyShow  Instagram - https://www.instagram.com/wisemoneyshow/    Kevin Korhorn, CFP® offers securities through Silver Oak Securities, Inc., Member FINRA/SIPC. Kevin offers advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. KFG Wealth Management, LLC dba Korhorn Financial Group and Silver Oak Securities, Inc. are not affiliated. Mike Bernard, CFP® and Joshua Gregory, CFP® offer advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. This information is for general financial education and is not intended to provide specific investment advice or recommendations. All investing and investment strategies involve risk, including the potential loss of principal. Asset allocation & diversification do not ensure a profit or prevent a loss in a declining market. Past performance is not a guarantee of future results. Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.

  On The KE Report Weekend Show this weekend we discuss what's really driving the metal-stock resilience, copper's setup, and the next table-pounding entry in...

Cresce l'appeal per credito e azioni non quotate. Ma spesso le controindicazioni non sono ben ponderate Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Events Demystified Podcast, host Anca Platon Trifan discusses the strategic and transformative aspects of writing a book as a business decision. Joined by guest Steve Martile, founder of Boutique Publishing Agency, this episode explores how entrepreneurs and event professionals can turn their stories into powerful business assets. Steve shares his journey from being a mechanical engineer to founding a successful publishing agency, offering insights on the transition, leveraging personal experiences, and monetizing non-fiction books. They also delve into practical strategies for writing, publishing, and marketing a book, including the use of AI tools and the importance of audiobooks. Whether you're contemplating writing your first book or seeking ways to effectively monetize your expertise, this episode provides valuable guidance and motivation.00:00 Introduction: Writing a Book as a Business Decision01:57 Meet the Host and Guest: Anca and Steve03:59 Steve's Journey: From Engineer to Publisher05:42 The Transition: Marketing to Publishing07:44 Monetizing Books: Strategies and Success Stories11:23 Writing and Publishing Process: Tips and Insights20:24 Marketing Your Book: Launch and Beyond24:44 Adapting to Modern Readers: Attention Spans and Formats27:38 The Power of Audiobooks27:59 Engagement Through Audible29:24 The Impact of Meditation Downloads29:49 The Transition to Life Coaching30:42 Spotify's Changing Landscape32:04 Common Myths About Publishing38:01 The Role of AI in Writing41:20 The Importance of Authenticity in Audiobooks42:45 Publishing Trends and AI Tools43:53 The Value of Personal Stories in Business Books45:33 The Perception Shift from Doer to Leader48:39 The Power of Your Own Voice49:36 Conclusion and Resources

Colette Temmink is a corporate real estate, facilities and operations leader at Voxel committed to making a positive impact championing safe, efficient and sustainable workplace technology. Mike Petrusky asks Colette about how asset and facility management has evolved from a purely tactical focus to a more strategic and technology-oriented profession, influenced by trends such as digital twins, AI, and sustainability. They discuss how FM professionals should not be afraid to embrace new technologies and innovations, but they need to ask what they are solving for and explore technologies that align with their organization's needs and data requirements. A holistic asset lifecycle approach to managing buildings and assets can provide multiple benefits and insights, not just for FM departments but for the entire organization. Colette believes that human connections and professional relationships remain critical in an increasingly AI-driven industry and she emphasizes the importance of being a lifelong learner and staying informed about technological advancements to maintain relevant in the field. FM professionals should shift from reactive maintenance models to more data-informed, AI-driven decision-making processes, so Mike and Colette agree offer the practical advice and encouragement you need to be an Asset Champion in your organization! Connect with Colette on LinkedIn: https://www.linkedin.com/in/colettetemmink/ Learn more about Voxel: https://www.voxelai.com/ Explore Eptura™: https://eptura.com/ Discover free resources and explore past interviews at: https://eptura.com/discover-more/podcasts/asset-champion/ Connect with Mike on LinkedIn: https://www.linkedin.com/in/mikepetrusky/

In this episode we discuss how the U.S. labor market is cooling — not collapsing. The Fed cut rates again, citing a softening jobs picture, but the data tell a more balanced story. We look at why layoffs at major companies don’t signal crisis, how AI will reshape (not erase) work, and why a post-pandemic equilibrium may finally be taking shape. To read this week's Sight|Lines, click here. The views expressed in this podcast may not necessarily reflect the views of Stifel Financial Corp. or its affiliates (collectively, Stifel). This communication is provided for information purposes only. Past performance does not guarantee future results. Investing involves risk, including the possible loss of principal. Asset allocation and diversification do not ensure a profit or protect against loss. © Stifel, Nicolaus & Company, Incorporated | Member SIPC & NYSE | www.stifel.com See omnystudio.com/listener for privacy information.

Brendon Sedo is a serial entrepreneur and blockchain innovator whose journey began early, scaling a service company to over 100 locations by the age of 19. He went on to co-found Joist, the world's largest contractor platform, which now generates more than $18 million in annual recurring revenue and processes over $1 billion in payments each year. Driven by a passion for innovation and real-world impact, Brendon entered the cryptocurrency and blockchain space as an initial contributor to Core and Core Ventures. There, he champions user-centric development, focusing on sustainable utility and self-reliance rather than short-term hype. At Core, Brendon leads Web2 business development partnerships, oversees Core Ventures and the Core Venture Network to fund builders and accelerate ecosystem growth, and has secured key integrations with over 10 major blue-chip projects. A true global citizen with experience living in Winnipeg, Mexico City, and Lisbon, Brendon bridges the gap between sophisticated blockchain technology and everyday user needs. His work reflects a community-first mindset, blending entrepreneurial vision with a mission to make blockchain innovation both practical and accessible. During the show we discussed: Bitcoin as a lasting financial force, not a trend. Why Bitcoin outlasts other cryptocurrencies. Decentralization as Bitcoin's shield from control. Bitcoin's role as digital gold and store of value. How scarcity drives Bitcoin's long-term worth. Global adoption signaling Bitcoin's permanence. Misconceptions about Bitcoin's legitimacy. Institutional adoption validating Bitcoin's role. Key risks and why Bitcoin can endure them. Bitcoin's shift from digital gold to active capital. Earning yield, borrowing, and transacting with BTC. DeFi and Layer 2 innovations boosting Bitcoin utility. How active capital strengthens Bitcoin's ecosystem. Bitcoin's rise as a dynamic, multi-use asset. Resources: https://coredao.org/

What if we stopped investing like bystanders and started investing like owners and “neighbors” in the story of our finances?When you invest like an owner, our portfolios can reflect faithful stewardship and create real-world impact. Robin John joins us today to share practical ways to move from passive investing to purposeful ownership.Robin John is co-founder and Chief Executive Officer at Eventide Asset Management, an underwriter of Faith & Finance. He's also the author of the book, The Good Investor: How Your Work Can Confront Injustice, Love Your Neighbor, and Bring Healing to the World.Investing vs. SpeculatingMany people confuse investing with speculating. Speculating—like day trading—is often no different than gambling. It's focused on short-term gains, trying to predict what the market will do tomorrow. But investing is about ownership. When you buy a stock, you're buying a piece of a company. You become a co-owner.That means your money is participating in real work—serving customers, employing people, and creating products that impact lives. As Christians, we should invest in companies we believe are doing good for the world, not just generating profits.Speculation is reactive and anxious. Investing, when done faithfully, allows us to rest in the knowledge that our capital is working toward purposes aligned with God's design for flourishing.The Responsibility of OwnershipOwnership changes everything. It confers ethical responsibility.If you owned a neighborhood store, you'd care deeply about how it serves your community, treats employees, and impacts the environment. In the same way, being a shareholder means you share in both the profits and the moral implications of what that company does.That's why Eventide Asset Management believes that Christians must think like owners, not traders. Ownership means engaging thoughtfully with the companies we invest in—voting proxies, engaging in dialogue with management, and ensuring that our capital is stewarded with integrity. Our investing isn't just about earning; it's about embodying our faith in the marketplace.Why Passive Investing Deserves a Closer LookIn recent years, many investors have turned to index funds or “passive” strategies. While these offer simplicity and diversification, I believe we should pause and ask: What are we actually owning?As Christians, we can't do anything passively—not even investing. Romans 12:2 calls us to avoid conforming to the patterns of this world, to renew our minds, and to discern what is good. That means we can't blindly invest in every company just because it's part of a market index.Do we really want to profit from industries like pornography, abortion, gambling, or tobacco? Our calling is to pursue good profits—profits that come from serving others and honoring God.To meet that need, Eventide has created systematic ETFs—investment funds that provide broad market exposure while intentionally excluding harmful industries. They're designed for believers who want to participate in the market without compromising biblical conviction.The Neighbor Map: Loving People Through InvestingIn his book, The Good Investor, Robin shares something he calls the Neighbor Map—a framework that helps us see all the “neighbors” affected by a business.God's command to “love your neighbor as yourself” (Leviticus 19) isn't abstract. It applies to the business world. At Eventide, they have identified six key neighbors every company should serve:Customers – Are the company's products truly good for those who use them?Employees – Are they treated with dignity, fairness, and care?Suppliers – Are business relationships ethical and respectful?Communities – Does the company create meaningful jobs and contribute positively to local life?The Environment – Is creation being stewarded well? Caring for creation is one of the most direct ways to love the poor, because it's the poor who suffer most from pollution and neglect.Society – Is the company contributing to the flourishing of the broader culture?Faithful investing isn't only about avoiding harm—it's also about embracing good. When we invest in companies that love their neighbors well, we participate in God's ongoing work of restoration.As investors, we're not distant spectators. We're partners. At Eventide, they engage directly with the companies we invest in—raising concerns, asking hard questions, and encouraging leadership to act with wisdom and compassion.Their goal isn't confrontation—it's collaboration. Whether it's addressing supply chain ethics, employee safety, or corporate philanthropy, we approach these conversations as co-owners who want to see good companies become even better.Clarity for Every Christian InvestorMany believers are unaware of what their money supports. That's why the team at Eventide created GoodInvestor.com—a free tool that allows you to screen your portfolio and see exactly what you're investing in. You can also connect with advisors who understand faith-based investing and can help you align your portfolio with your convictions.We hope that Christians everywhere would invest with joy, clarity, and confidence—knowing that their capital is serving God's purposes in the world. When we invest, we're not just moving money—we're shaping the world. Every dollar we deploy carries moral and spiritual weight.Our prayer is that more believers would see investing as a form of worship—a way to love God and neighbor through the stewardship of capital. Together, we can build a world that rejoices, where profits are good, people are valued, and creation is honored.On Today's Program, Rob Answers Listener Questions:Back in 2010, my parents set up a life estate warranty deed for their home, adding my siblings and me to the deed. My mom passed away eight years ago, and my dad passed in December 2024. We're preparing to sell the house now, but I keep hearing that we need to use a “life expectancy table” to calculate the home's value for capital gains or losses. Can you explain how that works and what steps we'll need to take for the taxes?I've saved up three months' worth of income—about $2,300 in total—and I still owe around $500 on a HELOC and another $500 on a credit card with interest rates of about 7% and 8.9%. My question is: Should I treat my savings separately from my three-month emergency fund? For example, if something unexpected happens—like a car repair—I don't want to touch my emergency fund. Is there a certain percentage or guideline for how much should be in an emergency fund versus regular savings?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)The Good Investor: How Your Work Can Confront Injustice, Love Your Neighbor, and Bring Healing to the World by Robin C. JohnEventide Asset ManagementGoodInvestor.com (Investment Screening Tool and Advisor Search)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Discover how to transform your life insurance into a valuable retirement asset with Ben Mohr's expert guidance. Learn the strategies and techniques to maximize your policy's potential and create a secure financial future. From understanding the basics of life insurance to advanced retirement planning, this video will provide you with the knowledge and insights to make informed decisions about your financial well-being.BEN MOHR is a trusted leader in retirement and income planning, with a strong focus on alternative investments and life settlements. As founder and CEO of Ben Mohr LLC, he leads one of the top firms specializing in life settlement solutions, offering expert guidance for navigating complex financial decisions. Ben works closely with clients to uncover hidden value in their financial portfolios, often helping them turn unwanted or unneeded life insurance policies into powerful retirement assets. Driven by his passion for empowering professionals in the field, Ben launched Life Advisor Solution - a cutting-edge platform providing mentorship, marketing tools, and business development strategies for agents. This initiative empowers advisors to achieve unparalleled success in their careers. Ben also plays a key role as part of the RMO Insurance & Retirement team, where he continues to help clients secure financial stability through personalized strategies and in-depth knowledge of life settlements.Ben's goal is to help individuals approaching retirement make confident, well-informed financial decisions without the confusion or pressure. His clear, practical guidance and proven results have made him a trusted resource for those seeking security and peace of mind in retirement.CONTACT DETAILS:Email: ben@lifeadvisorsolution.com Business: Life Advisor SolutionWebsite: https://lifeadvisorsolution.com/ Social Media:LinkedIN - https://www.linkedin.com/in/ben-mohr-004652270/ Facebook - https://www.facebook.com/lifeadvisorsolution/ Instagram - https://www.instagram.com/lifeadvisorsolution/ Tiktok - https://www.tiktok.com/@lifeadvisorsolution?lang=en Remember to SUBSCRIBE so you don't miss "Information That You Can Use." Share Just Minding My Business with your family, friends, and colleagues. Engage with us by leaving a review or comment on my Google Business Page. https://g.page/r/CVKSq-IsFaY9EBM/review Your support keeps this podcast going and growing.Visit Just Minding My Business Media™ LLC at https://jmmbmediallc.com/ to learn how we can help you get more visibility on your products and services. 

Your database is your legacy. In this episode of the Loan Officer Leadership Podcast, Steve Kyles and Frank Garay break down the one thing most loan officers neglect—yet it holds the power to generate $9K to $27K per month when stewarded correctly. You'll learn: Why your database is the most valuable asset you own How to back it up, protect it, and monetize it (even if you've let it slide) How Steve pulled 500+ agent contacts from past deals using Model Match The exact monthly rhythm to turn your list into a money machine Need help organizing, cleaning, and marketing to your list? Book a free strategy call at FreedomPlanningCall.com

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training How are the new technologies and tools shaping the future of agencies? How can you create an agency that outlasts trends? When you've been around for 75 years in the ad world, you've seen it all, from Mad Men, media buying by fax, the rise of the internet, and now, AI. Today's featured guest runs an agency that has been doing full-service marketing since 1950. What's impressive isn't just their longevity but also how they've stayed relevant and human in a business that changes faster than a TikTok trend. Jennifer Spire is the CEO of Preston Spire, an independent Minneapolis-based creative agency that's been helping brands grow with full-service marketing since 1950. She's the agency's fourth CEO, starting in small independent agencies, rising through global holding companies, and bringing both worlds' lessons to how she leads today. That mix of experiences shaped her leadership style grounded in independence, driven by creativity, and fiercely protective of agency culture. In this episode, we'll discuss: Building a culture that lasts seven decades and beyond. Why independence still matters in the agency world. The future of agency talent and AI. Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources E2M Solutions: Today's episode of the Smart Agency Masterclass is sponsored by E2M Solutions, a web design, and development agency that has provided white-label services for the past 10 years to agencies all over the world. Check out e2msolutions.com/smartagency and get 10% off for the first three months of service. How One Agency Has Stayed Relevant for 75 Years Preston Spire started as a design shop in 1950 and quickly grew to a full service advertising agency, which differs from what we think of as full service today. Over the decades, it's evolved continuously, reinventing itself with every shift in marketing. Jennifer says the real secret to their longevity is adaptability. "It's really hard to continue to evolve and stay strong, but I think there's a lot to be said for an agency that can evolve and still grow while being relevant." Now they're 25 years away from a century, which is both impressive and humbling, as well as something they want to highlight more. Surprisingly, some advisors have actually told Jennifer it'd be best to not mention their 75-year run, since some might assume a 75-year-old agency should be bigger by now. However, Jennifer has a different perspective. For her, you don't have to be one of the biggest agencies to be better and longevity isn't a weakness but rather proof of resilience and reinvention. From Big Agency Bureaucracy to Small Agency Freedom Before joining Press Inspire, Jennifer spent years inside the machine of large agencies, where shareholder-driven decisions often overshadowed what's best for clients or teams. There, she learned that you don't have to be bigger to be better, a philosophy that now fuels how she runs Press Inspire, as she has chosen to keep it small enough to stay personal but strong enough to compete with anyone. Once she left the big-agency world for an independent shop, Jennifer cut her teeth doing everything from answering phones, assisting on shoots, starting media departments, and running PR. That early experience taught her the one skill every agency leader needs — resourcefulness — something she now encourages young people to develop early in their careers. Her time at big agencies, though, showed her what not to do. "You end up making decisions that are best for shareholders, not clients," she said. "At a smaller agency, I wanted everyone to be able to chart their own path and make decisions that serve both the client and the team." Building an Agency Culture Keeps People for Deacades People stay for decades at Preston, some for 37 years, others 30, and three just recently celebrated 25-year anniversaries. That kind of loyalty is nearly unheard of in today's agency churn cycle. So what's the secret? Balance. Jennifer encourages collaboration between long-time employees and newer hires with fresh perspectives. The agency operates in a hybrid setup, with three days in-office to keep creativity flowing while maintaining flexibility. It's a rhythm that keeps collaboration alive without burning people out. "Being together helps," she said. "That human connection is something you can't replicate over Zoom." Their internal compass is guided by what they call COOP values: Courage, Originality, Openness, and Positivity. The team is encouraged to take risks, fail fast, learn, and keep moving forward. Leading with Clarity: Building Alignment and Growth Paths Jennifer may be CEO, but being at a smaller agency she's not above the grind. She manages operations, oversees HR and finance, and still maintains direct relationships with every major client. That visibility matters because, as she explains, clients need to know leadership is invested in their business. Her team structure also breaks down roles by what percentage of their time is spent leading, managing, or making. This clarity helps people grow without being shoved into management if it's not something they want for their careers. This way, they get to build their unique path within the agency, a key to keeping them happy with their work. Quarterly goals, regular feedback, and individualized growth paths keep everyone aligned and fulfilled — a framework that scales culture without micromanagement. Furthermore, constant feedback, quarterly goals, and individualized growth paths help keep everyone aligned and fulfilled. Why Staying Independent Still Wins for Some Agencies Does a 75-year-old independent agency get offers from the big holding companies? They do, actually; all the time. Jennifer says M&A emails land in her inbox daily. But she's not interested. "We've had serious talks with other agencies," she said, "but we've said no every time. Staying independent is critical to our success." If they sold, they'd probably start making decisions for investors instead of their people and be back in the big agency world she escaped. For Jennifer, independence isn't just about control, it's about protecting the culture that makes their agency different. The freedom to put clients and people first is what keeps the agency thriving. Preparing for the Future: AI's Impact on Agency Talent Jennifer's not blind to the future. She's already planning staffing and financial strategy through 2030, a move that would make most agencies sweat. One question she's wrestling with: how AI will change entry-level roles and career paths. "AI has been an incredible tool and has allowed us to be more efficient," she said. "But if it takes away too much of the junior work, where do mid-level people come from five years from now?" The truth is that the jobs won't vanish, they'll evolve. Junior people using AI can perform at mid-level. Mid-level people can perform like senior leaders. You'll just need fewer of them. Still, Jennifer sees it as a call to action for colleagues and agency leaders alike: train people not just in the AI tools, but in critical thinking, problem solving, creativity, and the human side of marketing. Do You Want to Transform Your Agency from a Liability to an Asset? Looking to dig deeper into your agency's potential? Check out our Agency Blueprint. Designed for agency owners like you, our Agency Blueprint helps you uncover growth opportunities, tackle obstacles, and craft a customized blueprint for your agency's success.

Text a question to Victoria!Your website might be costing you clients without you even realizing it. Discover how to tell if your website is a true brand asset or if it's actually a brand liability. As a female entrepreneur, your website is often the first impression your clients have and it can either build trust and credibility or create hesitation that keeps potential clients from booking with you.In today's episode, Victoria is sharing valuable information to teach you how to make your website work for you, not against you. From designing with user experience in mind, to creating consistent branding, and using storytelling and messaging that speaks directly to your ideal clients, you'll gain strategies to turn your website into a conversion-driving, trust-building tool. Be sure to listen all the way through because Victoria is giving you a six step framework to help you do a self audit of your website! If this still feels daunting to you, don't worry! Keep listening because there may even be a special offer to help you get personalized guidance on how to optimize your website!Like Victoria always says, you don't get a second chance at a first impression, so get ready to take notes and let's turn your website into your brand's strongest asset! Give Your Website a Self-Audit! Ask Yourself These Six Questions!1.  Can a stranger understand who you serve and how in less than five seconds when they land on your website?2. Do your visuals and messaging feel like the same brand across all platforms? 3. Would you be proud to send a high ticket customer to your website right now?4. Do you think your friends are excited to send out your website URL when they are referring someone to you?5.  Does your site guide users towards one clear action?6. Does it communicate authority and professionalism equal to your expertise?Links Mentioned in Today's Episode:Get a FREE Website Audit by VictoriaWork With BrandWell DesignsLooking for Brand Clarity? Join The Branding Business School!Follow BrandWell on InstagramFor show notes, head to www.thebrandingbusinessschool.com/thepodcast/ Show notes for episodes 1-91 can be found at www.brandwelldesigns.com/thepodcast/ Follow BrandWell on Instagram. Follow The Branding Business School on Instagram. Save on your first year of Honeybook using this link! Save 50% off your first year of Flodesk using this link! Get $30 off your first month of Nuuly using this link!Get up to $150 off your first box of Factor Meals using this link!

The allegations surrounding Mary Erdoes, the CEO of JPMorgan Chase's Asset and Wealth Management division, focus on what she knew—and when—about Jeffrey Epstein's criminal conduct while the bank continued doing business with him. Epstein remained a JPMorgan client from the late 1990s until 2013, despite his 2008 sex crime conviction and repeated internal warnings about his activities. Internal compliance emails revealed that by 2006, Epstein's accounts were already raising red flags for suspicious activity, and by 2011, Erdoes was directly alerted to legal developments confirming his sex-offender status—she reportedly responded with a short “Oh boy.” Testimony and internal records suggest that Erdoes and then–general counsel Stephen Cutler held the authority to terminate Epstein's banking relationship but did not exercise it, even as other staff raised serious concerns. Multiple reports indicate she continued corresponding about Epstein's status and compliance reviews, demonstrating a level of awareness inconsistent with the bank's later public claims that knowledge of his misconduct was confined to lower levels.Critics argue this places Erdoes near the center of JPMorgan's failure to cut ties sooner, implying that the decision to keep Epstein as a client was not a mere oversight but a conscious choice by top management to preserve a lucrative relationship. During litigation brought by the U.S. Virgin Islands and Epstein's survivors, JPMorgan's internal communications were unsealed, showing that Epstein's financial activity had been reviewed annually and still cleared for continuation under Erdoes's division. Jes Staley, Epstein's primary contact within the bank, later testified that Erdoes “had full authority” to drop him but chose not to. Erdoes herself has denied any knowledge of Epstein's sex-trafficking operations, stating that her involvement was limited to compliance oversight and that Epstein was eventually off-boarded once risk assessments changed. Nevertheless, the accumulated evidence—from internal memos to executive testimony—has left a troubling picture of institutional willful blindness at the highest level of the world's largest bank.to contact me:bobbycapucci@protonmail.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.

Your database is your legacy. In this episode of the Loan Officer Leadership Podcast, Steve Kyles and Frank Garay break down the one thing most loan officers neglect—yet it holds the power to generate $9K to $27K per month when stewarded correctly. You'll learn: Why your database is the most valuable asset you own How to back it up, protect it, and monetize it (even if you've let it slide) How Steve pulled 500+ agent contacts from past deals using Model Match The exact monthly rhythm to turn your list into a money machine Need help organizing, cleaning, and marketing to your list? Book a free strategy call at FreedomPlanningCall.com

In this episode, Brian Skrobonja explains what alternative investments are and why they are the fastest route to growing your assets or retirement savings. He sheds light on how the most successful investors in the world keep getting wealthier and how to use an endowment like strategy to position your retirement assets. Brian explores alternative investments opportunities.  He goes over what larger investors are doing to diversify away from the public market in an effort to help clients protect downside risks. The shift in investment philosophy amongst the largest investors is something to pay attention to as it could offer valuable insights on how to position your retirement assets. Brian explains why it's prudent for investors to adopt an endowment like model. The wealthiest and most successful investors in the world keep getting wealthier, not because they are lucky or privileged, but because they are playing a different game than the average investor. According to Brian, with medical advancements extending life beyond what we have seen in the past, we are entering a longevity dilemma as people may find themselves living longer than their assets. For Brian, the traditional retirement age tied to social security eligibility has longevity implications that are being overlooked. The 4% rule suggests you can safely withdraw 4% of your retirement savings annually with the assumption that the balance in your account will sustain you for 30 years. Brian shares why he believes the 4% rule is not sustainable in the modern age.  There's risk with any type of investment and alternatives are no exception. Brian talks about portfolio diversification and why we need to expand the definition of diversification. Brian talks about alternative investments and why you should consider having a portion of your savings in private equity, private debt, real estate trusts, and even oil and gas. For Brian, the stock market may be a core component of a portfolio, but it cannot be the only holding.  Should investors get out of public markets entirely?  According to Brian, investors should not get out of the market entirely, but should acknowledge that there are many investment opportunities that are far better than the stock market.   We are seeing the world change before our eyes. The way we invest today needs to be forward looking to consider the changes that are underway.   Mentioned in this episode: BrianSkrobonja.com SkrobonjaFinancial.com SkrobonjaWealth.com BUILDbanking.com Common Sense Financial Podcast on YouTube  Common Sense Financial Podcast on Spotify   References for this episode: kiplinger.com/article/investing/t047-c032-s014-to-succeed-at-investing-do-what-yale-does.html brianskrobonja.com/podcasts/posts/ep-52-strategically-separating-your-assets-with-the-five-minute-retirement-plan/ prudential.com/financial-education/4-percent-rule-retirement#:~:text=The%204%25%20rule%20comes%20with,close%20to%20covering%20your%20needs. wsj.com/finance/investing/pension-funds-stocks-bonds-679b8536 imf.org/external/pubs/ft/wp/2000/wp0018.pdf weforum.org/agenda/2022/04/longer-healthier-lives-everyone/ nmhc.org/industry-topics/affordable-housing/apartment-supply-shortage/ sealynet.com/news/sealy-company-small-industrial-spaces/ nationalaffairs.com/publications/detail/inflation-and-debt nasdaq.com/articles/revisiting-the-classic-60-40-portfolio-as-challenges-loom     Securities offered only by duly registered individuals through Madison Avenue Securities, LLC. (MAS), Member FINRA & SIPC. Advisory services offered only by duly registered individuals through Skrobonja Wealth Management (SWM), a registered investment advisor. Tax services offered only through Skrobonja Tax Consulting. MAS does not offer Build Banking or tax advice. Skrobonja Financial Group, LLC, Skrobonja Wealth Management, LLC, Skrobonja Insurance Services, LLC, Skrobonja Tax Consulting, and Build Banking are not affiliated with MAS. Skrobonja Wealth Management, LLC is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Skrobonja Wealth Management, LLC and its representatives are properly licensed or exempt from licensure. The firm is a registered investment adviser with the state of Missouri, and may only transact business with residents of those states, or residents of other states where otherwise legally permitted subject to exemption or exclusion from registration requirements. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training. The views and opinions expressed here are those of the authors and do not necessarily reflect the official policy or position of Madison Avenue Securities, LLC This material contains forward looking statements. Forward looking statements are not guarantees of future performance and involve certain risks and uncertainties, which are difficult to predict.  Actual future results and trends may differ materially from what is forecast. Investing involves risk including the potential loss of principal. Consider your risk tolerance and specific situation before investing. Investments in securities are subject to investment risk, including possible loss of principal. Prices of securities may fluctuate from time to time and may even become valueless. Carefully read all of the relevant investment product's offering documents and information before investing. Seriously consider investment suitability by referencing your financial position, investment objectives, and risks profile before making any investment decision. Alternative investments may be subject to less regulation than other types of pooled investment vehicles. Alternative Investments may impose significant fees, including incentive fees that are based upon a percentage of the realized and unrealized gains and an individual's net returns may differ significantly from actual returns. Such fees may offset all or a significant portion of such Alternative Investment's trading profits. Incorporating alternative investments into a portfolio presents the opportunity for significant losses including in some cases, losses which exceed the principal amount invested. Also, some alternative investments have experienced periods of extreme volatility and in general, are not suitable for all investors. Asset allocation and diversification strategies do not ensure profit or protect against loss in declining markets. Endowment funds are managed for institutions not individuals. An endowment-like strategy is not an endowment or an endowment fund.

Catrina Craft is a CPA, tax strategist, and real estate investor with over 20 years of experience in applying the tax code to maximize wealth for investors and entrepreneurs. As the founder of Craft CFO Advisory Services, she supports real estate professionals, creative agencies, and business owners with proactive planning to reduce tax obligations and build long-term wealth. A frequent speaker and educator, Catrina brings a unique blend of compliance, strategy, and investment knowledge—helping her clients go beyond tax preparation and into true financial empowerment. Make sure to download our free guide, 7 Questions Every Passive Investor Should Ask, here. Key Takeaways Start tax planning early—waiting until tax season puts you in reactive mode Don't structure appreciating assets in a C corp—it can lead to unnecessary tax penalties Asset protection is more than just forming an LLC; structure and exposure matter A tax strategist is proactive—meeting regularly and guiding decisions throughout the year The IRS rewards those who build and invest—use the code to your advantage Topics 1. From Debt to Wealth Building Catrina lost 80% of her income when a major client left and found herself $100K in debt This challenge drove her to learn real estate investing and the tax strategies behind wealth building Paid off her debt in 2 years while building a rental portfolio 2. The CPA vs. Tax Strategist CPAs focus on compliance and reporting what already happened Tax strategists plan proactively to reduce your tax bill before decisions are made Working with a strategist who knows your industry—especially real estate—is critical 3. Avoiding Common Structure Mistakes Many investors set up LLCs without understanding tax treatment options Holding real estate in a C corp is a costly and often irreversible mistake Asset protection includes entity structure, insurance, and understanding exposure risk 4. Planning Beats Panic Most deductions and deferrals (like cost segregation and 1031s) require advance planning Catrina meets monthly or quarterly with clients to stay ahead of key decisions Tax planning should start at the beginning of the year—not at filing time 5. Questions to Vet a Tax Professional Ask about their industry experience and how often they meet with clients Determine whether they offer strategy or just compliance services Ensure they understand your specific investing model (e.g. syndication vs. flipping)

Paul Kromidas didn't just pivot a startup—he changed the vehicle mid-race and still pulled ahead. Summer began as an asset-heavy “own an STR without the risk” model: Summer found the house, bought it with their capital, operated it for two years, and sold it back with a book of business. It worked—until the capital stack and rate environment made venture-scale returns incompatible with real estate velocity. So Paul did the brave thing founders talk about but rarely do: he sold the homes, kept the brains, and rebuilt Summer around the software that had quietly powered V1. That software—Summer OS, now supercharged by Sunny AI—acts like a true asset-management layer for short-term rentals. It stitches market underwriting to unit-level P&L, pipes into your PMS, flags issues before they become reviews, and guides both pros and serious first-timers from “where should I buy?” to “how do I out-operate the comp set?” It's not a wrapper around generic answers; it's a working analyst that shows its work. Today on the show, I'm joined by Paul Kromidas—founder of Summer—on building tools that help operators decide, buy, and perform.In this episode, we: Explore why venture returns and deed-on-title don't rhyme—and how an honest boardroom conversation led to selling the portfolio and doubling down on software. Discuss what an STR “asset management system” really is—linking market selection, underwriting, expense modeling, and live ops into one pane of glass. Explore how Sunny AI turns fuzzy intent into investable action—guiding you through clarifying questions, surfacing the right comps, and recommending markets you didn't have on your radar. Discuss the difference between high-level market data and operator-grade decisions—and why posting performance back to the model is where comp-set truth lives. Explore who it's for today (multi-market PMs and serious operators) and how the roadmap invites the rising class of under-20-door owners without dumbing anything down. Discuss the next frontier: using predictions to fix tomorrow's dip today—so hosting feels less like firefighting and more like running a dialed business. If you're building a portfolio—or rebuilding your ops stack—this one will sharpen how you underwrite, staff, and scale.

In this episode of Trends with Benefits, Ed Lopez sits down with Larry McDonald, Founder of the Bear Traps Report, to discuss the current state of financial markets. Larry dives into signals pointing to potential economic turbulence, from mounting consumer credit pressures to persistent inflation. He shares insights on the growing investor shift toward hard assets amid de-dollarization and global tensions and weighs in on how demographics are reshaping asset allocation. The conversation also touches on the future of AI, energy infrastructure, and the changing dynamics of passive investing, highlighting why reading market signals is more critical than ever.

Ever think about what would happen if your family suddenly had to figure out your insurance, bills, or assets - without you there to explain it? It's not fun to imagine, but it's one of the most loving things you can prepare for. In this episode of Financially Ever After Widowhood, Stacy and Natalie dive into the less-than-glamorous side of legacy planning: getting your insurance and financial details in order so no one's left guessing in a crisis. Along the way, they share real-life stories, personal slip-ups (yes, including a lost engagement ring), and plenty of practical advice you can actually use. You'll hear them discuss: - Why it's not just about what happens after you're gone, it's also about being ready if you're ever incapacitated - How to make sure your health, property, and long-term care insurance are documented and paid up - What COBRA really means when you leave a job or go through a divorce - How long-term care policies work, and what details families often forget to track - What your homeowners, auto, and umbrella insurance *really* cover (and what they don't) - The simple, yearly habit that keeps your assets and account info easy for loved ones to find - A true story that shows exactly why all this planning matters Resources As you listen to this podcast, you can click here to view slides and follow along visually: Legacy Planning Webinar 2 ⁠Because I Love You Planning Companion⁠ Natalie Colley on⁠ FrancisFinancial.com⁠ | ⁠LinkedIn⁠ Stacy Francis on ⁠LinkedIn⁠ |⁠X(Twitter)⁠ | stacy@francisfinancial.com⁠stacy@francisfinancial.com⁠ ⁠FrancisFinancial.com⁠ ⁠See All Podcasts

Can your retirement account buy real estate? Startups? Alpaca farms?! Yes. And in this episode, Dana Udumulla from Madison Trust breaks down how self-directed IRAs actually work, what they can (and can't) invest in, and why more commercial real estate investors should be using them to raise capital.Whether you're an accredited investor or a confused podcast co-host (cough Timmy), this conversation is packed with practical takeaways, tax strategies, and jaw-dropping scenarios (like turning $7K/year into $4.75M tax-free).We also get into:Roth vs Traditional IRA pros & consCommon mistakes investors make (and how to avoid getting disqualified)How to structure deals to receive retirement dollarsReal estate, bonus depreciation, and... Brazilian sugar?Don't invest another dollar until you listen. Your future self will thank you.

As investors have become frustrated over the complexity, the legacy issues, and opacity of funds, many have gravitated to investing in single asset deals. Single assets are easier to underwrite, require less due diligence, and great deals are starting to emerge with distress in the market. Mike Zlotnik, CEO of TF Management Group, is offering investors opportunities to invest in single asset deals in Industrial, Outdoor Retail, and select Multifamily. Mike also manages conservative debt funds that he's run for several years.

The Federal Reserve is set to make its next interest rate decision on Wednesday, even as a near-total blackout of federal economic data continues amid the government shutdown.~This episode is sponsored by BTCC~BTCC 10% Deposit Bonus! ➜ https://bit.ly/PBNBTCC00:00 Intro00:10 Sponsor: BTCC00:30 Join us Tomorrow00:45 25bps locked in01:00 oh SNAP!01:15 Gov Shutdown end Jan 1st??01:30 Dollar hits one-week low02:00 Asset rally loading02:20 Trump Argentina bailout03:00 Andre Jikh: $40B bet against China04:45 What were up against05:20 Banks loaded on Gold05:50 Banks are buying into crypto06:30 $BSOL05:50 More coming07:20 SOL vs ETH07:45 No BlackRock, no party08:30 Tom Lee conviction09:15 Tom Lee is ETHtarding10:00 New financial order10:30 Paul Tudor Jones: Ingredients in place for massive rally12:30 Outro#Crypto #Bitcoin #Ethereum~Rate Cut Countdown

Featured in this podcast are Ayako Fujita, Rie Nishihara, Junya Tanase and Arindam Sandilya discuss the outlook for Japanese macro and markets in the wake of Sanae Takaichi's assuming office as PM and ahead of the upcoming October BoJ MPM This podcast was recorded on Oct 27, 2025. This communication is provided for information purposes only. Institutional clients can view the related report at https://jpmorganmarkets.com/research/content/GPS-5097313-0, https://jpmorganmarkets.com/research/content/GPS-5102873-0, https://jpmorganmarkets.com/research/content/GPS-5107290-0, https://jpmorganmarkets.com/research/content/GPS-5111360-0 and https://jpmorganmarkets.com/research/content/GPS-5112300-0 for more information; please visit www.jpmm.com/research/disclosures for important disclosures. © 2025 JPMorgan Chase & Co. All rights reserved.

Do you want to know why note investing beats buying foreclosures? Scott Carson chats with one of his recent 1:1 coaching students, Sterling James, a CPA-turned-note investor who's mastered the art of turning distressed debt into serious profits.Sterling shares his journey from flipping houses to buying first lien notes, revealing his conservative approach, risk-minimizing tactics, and keys to success. If you're looking for a more passive, hands-off approach to real estate, this is the episode for you.The Secret CPA Advantage: How Understanding Taxes Gives You a HUGE Leg Up in InvestingLearn how Sterling's background in accounting and taxes provides a unique and powerful lens for evaluating deals, minimizing risk, and maximizing returns. Discover how his tax expertise helps him identify hidden opportunities.Back from the Brink: A Tale of Reinvention and Resilience in Real EstateSterling shares his candid story of facing financial challenges in the past and how he pivoted his investment strategy to find stability and consistent returns through note investing. A powerful lesson in adapting and thriving in any market!First Liens: Your Path to Low-Risk, High-Reward InvestingDiscover why Sterling focuses exclusively on first lien notes, providing maximum security and priority in case of foreclosure. Learn the specific criteria he uses to select notes, ensuring a high probability of success while minimizing potential losses.Case Study: The $45,000 Note That Turned into a WINGet a behind-the-scenes look at a recent deal where Sterling acquired a note for just $45,000 that's performing better than expected. Discover his due diligence process, his strategy for working with borrowers in bankruptcy, and how he generated impressive returns.Lazy Assets and Smart Collaboration:He's great at finding and building long-term passive investments and why you can do the same with Scott's 1:1 coaching.Ready to take control of your financial future and unlock the power of note investing? This episode is your roadmap to a more passive, profitable, and stress-free investment journey. Connect with Sterling James and his team at securedequities.com to learn more about partnering and putting your capital to work. Don't just dream of financial freedom – start building it today! And as always, don't forget to subscribe to The Note Closers Show for more expert insights, actionable strategies, and the real stories behind the success!Connect with Sterling HERE!Watch the original Video HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join Note Night in America community today:WeCloseNotes.comScott Carson FacebookScott Carson TwitterScott Carson LinkedInNote Night in America YouTubeNote Night in America VimeoScott Carson InstagramWe Close Notes PinterestBook a call with Scott today at HTTP://TalkWithScottCarson.com to see if 1:1 Note Coaching is right for you!

In this episode, Ihsan Waqf founder and CEO Aminnurllah Mustapah discusses with IFN's Nessreen Tamano how the foundation is transforming Islamic endowments in to productive assets, starting with unconventional projects.

O Podcast Genial Analisa recebe Luiz Alves, sócio-fundador da Versa Asset. Ele revela as ações fora do radar que podem surpreender e bombar em 2026.Quais papéis estão sendo ignorados pelo mercado? Onde estão as oportunidades escondidas? E o que esperar da Bolsa no próximo ano? O gestor compartilha sua visão sobre setores, estratégias e apostas para quem quer sair na frente.

What does it really take to bring a crumbling historic building back to life—and turn it into a thriving, income-producing community space? In this episode, Brian Hamrick sits down with Brad Andrus, commercial real estate investor, broker, and developer behind the ambitious restoration of the Fine Arts Theater in Denton, Texas. Brad shares the full story: from its beginnings as an undertaker's shop in the early 1900s, to its heyday as a bustling single-screen theater, to decades of vacancy after fire damage—and now, its rebirth as a live performance, film, and event venue. You'll learn: The hidden challenges of historic renovations—from roof failures to unexpected structural issues. How federal and state historic tax credits can make or break the capital stack. Why city and community partnerships are essential in adaptive reuse projects. How to balance profitability with legacy-minded investing. The role of AI tools in Brad's real estate business and his new podcast Weeks Ahead AI. Whether you're passionate about historic preservation, curious about adaptive reuse, or an investor exploring creative real estate strategies, this conversation reveals the opportunities—and the pitfalls—of breathing new life into old buildings.

On this special Listener Question episode of Wise Money, we're answering your financial questions. From the new catch-up contribution rules and "super" catch-ups at age 60, to whether it ever makes sense to invest your 401(k) in individual stocks like Tesla or Palantir. We're unpacking most of the most confusing tax and retirement changes heading into 2026.  Season 11, Episode 10 Download our FREE 5-Factor Retirement guide: https://wisemoneyguides.com/    Schedule a meeting with one of our CERTIFIED FINANCIAL PLANNERS™: https://www.korhorn.com/contact-korhorn-financial-advisors/ or call 574-247-5898.   Subscribe on YouTube: http://www.youtube.com/c/WiseMoneyShow Listen on podcast: https://link.chtbl.com/WiseMoney  Watch this episode on YouTube: https://youtu.be/ThP0TxTxoiA  Submit a question for the show: https://www.korhorn.com/ask-a-question/   Read the Wise Money Blog: https://www.korhorn.com/wise-money-blog/    Connect with us: Facebook - https://www.facebook.com/WiseMoneyShow  Instagram - https://www.instagram.com/wisemoneyshow/    Kevin Korhorn, CFP® offers securities through Silver Oak Securities, Inc., Member FINRA/SIPC. Kevin offers advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. KFG Wealth Management, LLC dba Korhorn Financial Group and Silver Oak Securities, Inc. are not affiliated. Mike Bernard, CFP® and Joshua Gregory, CFP® offer advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. This information is for general financial education and is not intended to provide specific investment advice or recommendations. All investing and investment strategies involve risk, including the potential loss of principal. Asset allocation & diversification do not ensure a profit or prevent a loss in a declining market. Past performance is not a guarantee of future results. Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.

  This Weekend Show dives deep into one of the most volatile stretches for gold and silver in decades. With massive intraday swings and investor...

Ever wonder how a long-term marriage like Lori Loughlin and Mossimo Giannulli's can fall apart—and what that means for their fortune, homes, and future?In this episode, Heather Quick breaks down what's really happening behind the headlines of this high-profile separation. Whether you're managing significant assets or simply curious about how the wealthy handle divorce differently, this discussion sheds light on timing, legal implications, and financial strategy when no formal divorce has been filed yet.Discover how timing your separation can dramatically affect your financial outcome.Learn the key legal differences between community and separate property states like California and Florida.Understand how alimony and property division are handled when there are no child custody factors involved.Hit play to uncover the real lessons from a celebrity separation and learn how to protect your own financial future during a high-asset split.Join us on our podcast as we navigate the complexities of marriage, divorce, separation, and all related legal and emotional aspects, including adultery, alimony, child support, spousal support, timesharing, custody battles, and the financial impact of dissolution of marriage.Interested in working with us? Fill out this form here to get started. Not quite ready? Interact with us on socials! Linktree- https://linktr.ee/FloridaWomensLawGroup Florida Women's Law Group Website- https://www.floridawomenslawgroup.com/Women Winning Divorce is supported by Florida Women's Law Group.Disclaimer: This podcast is for informational purposes only and is not an advertisement for legal services. The information provided on this podcast is not intended to be legal advice. You should not rely on what you hear on this podcast as legal advice. If you have a legal issue, please contact a lawyer. The views and opinions expressed by the hosts and guests are solely those of the individuals and do not represent the views or opinions of the firms or organizations with which they are affiliated or the views or opinions of this podcast's advertisers. This podcast is available for private, non-commercial use only. Any editing, reproduction, or redistribution of this podcast for commercial use or monetary gain without the expressed, written consent of the podcast's creator is prohibited.Thank you for listening, please leave us a review and share the podcast with your friends and colleagues. Send your questions, comments, and feedback to marketing@4womenlaw.com.

Highlights of what's new in streaming for the week of October 25, 2025. Netflix The Dream Life of Mr. Kim, season 1 (Oct. 25) The Asset, season 1 (Oct. 27) Babo: The Haftbefehl Story (Oct. 28) Mo Amer: Wild World (Oct. 28) Nightmares of Nature: Lost in the Jungle (Oct. 28) Physical: Asia (Oct. 28) Ballad of a Small Player (Oct. 29) Rulers of Fortune, season 1 (Oct. 29) Selling Sunset, season 9 (Oct. 29) Aileen: Queen of the Serial Killers (Oct. 30) Amsterdam Empire, Season 1 (Oct. 30) Juan Gabriel: I Must, I Can, I Will (Oct. 30) Son of a Donkey, season 1 (Oct. 30) The Witcher, season 4 (Oct. 30) Bad Influencer, season 1 (Oct. 31) Breathless, season 2 (Oct. 31) Rhythm + Flow France: Season 4 (Oct. 31) Disney+ Disney Twisted Wonderland: The Animation (Oct. 29) Star Wars Visions, volume 3 (Oct. 29) HBO Max IT: Welcome to Derry, season 1 (Oct. 26) Paramount+ Mayor of Kingstown, season 4 (Oct. 26) Don't Date Brandon, season 1 (Oct. 28) Prime Video Hazbin Hotel, season 2 (Oct. 29) Hedda (Oct. 29) Tremembé, season 1 (Oct. 31) Apple TV+ Down Cemetery Road (Oct. 29) AMC+ Talamasca: The Secret Order, season 1 (Oct. 26) Hallmark+ Merry Christmas, Ted Cooper (Oct. 25) Baked with Love: Holiday (Oct. 27) Finding Mr. Christmas, season 2 (Oct. 27)

Send us a textAbout This EpisodeJanine Moreno, CIO Advisor at Zoom, tells us all about what happens when you stop waiting for permission and start owning the room. Janine shares how stepping into visibility transformed her leadership, leading to table talks and roundtables that blend authenticity and expertise. She discusses multi-generational collaboration, leading remote teams with clarity, and overcoming perfectionism to lead without a title. This episode is a wonderful guide for anyone ready to trade hesitation for action and claim the seat they have earned. About Janine MorenoJanine Moreno is a CIO Advisor with Zoom Video Communications and a former Executive Director for J.P. Morgan's Asset & Wealth Management division. She leads Zoom's CIO, CX, and Women in Leadership Virtual Table Talks, fostering thought leadership and creating spaces for executives to share insights, collaborate, and discuss the latest technology trends, challenges, and innovative solutions. As Chairperson of Zoom's Cross Industry, she drives initiatives to enhance customer experiences across sectors. Previously, Janine was Head of Strategy for J.P. Morgan's Business Technology Optimization group and led AWM's Technology Training and Communications teams. She has also consulted with Bank of America and served as Sr. Director at Broadridge Financial Solutions, focusing on IS Governance and Compliance. With 19 years at Citigroup, Janine held roles including Head of Front Office Sales Operations & Compliance and Chief of Staff. Her career is defined by visionary leadership and a passion for innovation, shaping the future of virtual and hybrid workspaces. Additional ResourcesLinkedIn: @JanineMorenoSupport the show-------- Stay Connected www.leighburgess.com Watch the episodes on YouTube Follow Leigh on Instagram: @theleighaburgess Follow Leigh on LinkedIn: @LeighBurgess Sign up for Leigh's bold newsletter

In this episode, we review the potential for a slowdown in the economy towards the end of the year, as well as the market implications and potential for a pullback in this elevated market environment. View the Investment Strategy Brief slides related to this episode here Watch the video related to this episode here The views expressed in this podcast may not necessarily reflect the views of Stifel Financial Corp. or its affiliates (collectively, Stifel). This communication is provided for information purposes only. Past performance does not guarantee future results. Investing involves risk, including the possible loss of principal. Asset allocation and diversification do not ensure a profit or protect against loss. © Stifel, Nicolaus & Company, Incorporated | Member SIPC & NYSE | www.stifel.com*See omnystudio.com/listener for privacy information.

China's Property Crisis, Deflation, and Structural Obstacles to Consumption Anne Stevenson-Yang with John Batchelor Anne Stevenson-Yang discussed how the persistent property crater has severely dragged down fixed asset investment. Beijing aims to boost the economy via consumption, but the Chinese system is structurally built to communicate only with producers, not average consumers. Furthermore, the deflationary environment encourages people to delay purchases, waiting for lower prices. She views the Five-Year Plans mainly as an "amazing relic" used internally to motivate the sprawling government bureaucracies. 1850

Send us a textWelcome back to the Laundromat Resource Podcast! In today's episode, host Jordan Berry pits two powerhouse investment options against each other in the "Ultimate Asset Battle: Laundromats vs. Small Multifamily." Are duplexes, triplexes, and fourplexes truly the perfect entry into real estate, or does owning a laundromat deliver unmatched financial freedom and cash flow? Jordan breaks down the numbers with real-world, average deals—not the outliers—comparing nine major categories like cash flow, tax advantages, scalability, passivity, and more.Whether you're dreaming of financial independence, eager to quit your nine-to-five, or simply weighing your next $100K investment, this episode offers clear insights and honest rankings. Will small multifamily come out on top, or does the humble laundromat surprise with its recession resistance and steady returns? Tune in to find out which asset class takes the crown—and how to choose the one that actually fits your goals and lifestyle. Let's dive into the ultimate showdown!In this episode, Jordan discuss:00:00 "Small Multifamily Investment Example"05:24 "Passive Income in Laundromats"07:43 Real Estate vs. Laundromats13:05 Choosing the Right Investment Asset15:28 "Laundromat Opportunities & Resources"Show Noteshttps://laundromatresource.com/show223Join us at Laundromat Accelerator Hawaii November 21-24, 2025LaundromatResource.com/HawaiiJoin the community at:laundromatresource.com/joinConnect With UsYouTubeInstagramFacebookLinkedInTwitterTikTok

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Ever looked at your agency's bank account and thought, “We're crushing it!” only to realize two months later that half that cash wasn't really yours yet? Or maybe you've hit that milestone where you start wondering what your agency might be worth if you sold it tomorrow… but your books are a confusing mix of guesswork and gut feelings. Today's featured guest was a finance expert before falling in love with the agency world and has the experience to show how smart financial planning (not just getting more clients) can completely reshape your agency's future. From forecasting and cash flow to the hard truths about selling, this conversation is packed with real-world lessons every agency owner needs to hear. Lacie Edgeman is the partner and co-owner of PrograMetrix, a digital paid media agency that focuses exclusively on programmatic advertising. With a background in finance, she oversees operations and financial strategy. However, like most small-agency leaders, she's worn just about every hat at some point. Her unique blend of financial discipline and operational savvy has helped her agency grow smart, not just fast. In this episode, we'll discuss: The superpower too many agencies ignore. Cash vs. accrual accounting. Why you should always be tracking these two KPIs. How much cash should you keep in the bank? Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources E2M Solutions: Today's episode of the Smart Agency Masterclass is sponsored by E2M Solutions, a web design, and development agency that has provided white-label services for the past 10 years to agencies all over the world. Check out e2msolutions.com/smartagency and get 10% off for the first three months of service. How a Finance Major Became an Agency Owner After earning a finance degree, Lacie joined a digital agency in Austin as a billing coordinator and quickly discovered she loved the chaos. “You either love it or you hate it,” she says. “I love the fast pace environment and the fact that it challenges me.” That early exposure to how agencies really work, from billing quirks to client chaos, gave her a perspective most creatives never get. By the time she joined PrograMetrix, she wasn't just another partner with ideas; she was the numbers-minded operator who could make sure every big creative idea actually paid off. Forecasting: The Superpower Too Many Agencies Ignore From a finance perspective, Lacie's biggest message for agency owners is to stop running their business off their checking account. “Future planning is where most agencies miss the mark,” she says. It's important to review your historical, of course, but Lacie recommends creating a forecast and revisit it quarterly. This way, if you want to add $1 million in take-home revenue, you can map out exactly which KPIs need to move to make that happen.. This is way, if you, for instance, want to add $1 million in take-home revenue, you can map exactly which KPIs need to move to make that happen. That forward focus creates smarter, calmer decisions; especially when things get uncertain. You can't sleep easy until you know what's coming in, what's going out, and how your pipeline will affect cash flow six months from now. Cash vs. Accrual Accounting: How to Stop Fooling Yourself About Profit When Lacie joined PrograMetrix in 2019, one of her first moves was switching from cash accounting to accrual accounting, a game changer for any media agency. Why? Because when you're handling large media budgets, those big lump payments from clients don't actually mean profit. Accrual accounting forces you to recognize revenue when the work is done, not when the check clears. “It's the only way to see what's actually happening,” Lacie explains. Otherwise, agencies can get fooled into thinking they're thriving when all they've done is temporarily hold pass-through media dollars. For anyone running paid media, she considers accrual accounting “painful but essential.” Furthermore, accrual accounting becomes critical when you're planning to sell your agency. It's not just about cleaner books, it's about protecting your valuation. In cash accounting, all incoming payments hit your revenue the moment they land, even if you haven't delivered the work yet. That can make your agency look healthier than it really is. However, a smart buyer will spot it—and they'll adjust your purchase price down to reflect any undelivered work. If you're serious about eventually selling, move to accrual accounting early so your books reflect true earned revenue. It not only helps you understand your real profitability but also builds trust with future buyers. Building the Right Financial Advisory Team for Your Agency Anyone with prior experience selling a business will probably tell you “if you're planning on selling soon, don't rely solely on a broker”. Brokers are financially motivated to close the deal fast, not to get the best terms. Instead, surround yourself with people who don't have skin in the game. Considering that most agency owners probably come from a creative background, Lacie suggests finding financial mentors or advisers who will tell them what they need to hear, not what they want to hear. You don't have to become a QuickBooks expert, but you do need to understand what your financials are saying about the health of your business. 2 KPIs Every Agency Owner Should Track If Lacie were stranded on an island and could only get one napkin of financials, it'd include two numbers: Topline Revenue (excluding media spend) EBITDA (basically your take-home before taxes) EBITDA is very important here, because you can have great revenue but without free flowing funds to invest back in the business, you'll still be a red flag for potential buyers. Those two tell her almost everything about an agency's financial health. “You can only cut costs so far,” she says. “At some point, you have to grow the top line strategically.” The real game is in balancing both, keeping a clean cost structure while expanding profitable revenue. Owners should also understand adjusted EBITDA, which adjusts for one-off expenses, to get a clearer view of your operational performance. It's something a potential buyer would do any way to get a more accurate picture of your agency's financial health. How Much Cash Should You Keep in Reserve? Ask ten agency owners this question, and you'll get ten answers. Lacie says three months of operating cash is the industry rule of thumb, though she's heard advisers tell sellers to shrink that down to one month before an acquisition. Many would disagree with that advice, but ultimately the right number depends on your risk tolerance and client concentration. If a single client dominates your revenue, then the most important advice would be to secure a line of credit before you need it. Losing a “gorilla client” (one worth more than 20% of your revenue) can wreck cash flow overnight. A credit line buys you breathing room so you don't start saying yes to bad clients just to make payroll. Niching Down Is the Key to Profitability and Valuation For Lacie, niching down was the single best move for PrograMetrix. “When you try to be everything to everyone, you can't scale,” she says. Every one-off client that doesn't fit your core offer quietly drains profit and focus. She urges agency owners to ask themselves if they're offering the right services and double down on what they're great at, not just good at. The rule is simple: the more focused you are, the more you can charge. Start by raising prices for new clients and soon the gap between legacy clients and new ones will convince you of the need to raise prices for legacy clients too. One mastermind member added $72,000 in monthly recurring revenue simply by repricing existing clients after niching. Each year, Lacie's team audits their client roster to identify accounts they've outgrown. It's never easy—many are long-time relationships—but letting go of clients who no longer fit is what creates room for bigger, better ones. Do You Want to Transform Your Agency from a Liability to an Asset? Looking to dig deeper into your agency's potential? Check out our Agency Blueprint. Designed for agency owners like you, our Agency Blueprint helps you uncover growth opportunities, tackle obstacles, and craft a customized blueprint for your agency's success.

We will explain how leveraging blockchain to digitize and fractionalize assets is poised to make investing cheaper, faster, more transparent, and radically accessible to everyone. Today's Stocks & Topics: Pool Corporation (POOL), Silver, Murphy USA Inc. (MUSA), AT&T Inc. (T), Market Wrap, How Asset Tokenization is Revolutionizing Global Finance, Illumina, Inc. (ILMN), TransAlta Corporation (TAC), Gold and Equities, Financial literacy.Our Sponsors:* Check out Anthropic: https://claude.ai/INVEST* Check out Gusto: https://gusto.com/investtalk* Check out Progressive: https://www.progressive.com* Check out TruDiagnostic and use my code INVEST for a great deal: https://www.trudiagnostic.comAdvertising Inquiries: https://redcircle.com/brands

Jim sits down with Tim Rexius — Omaha entrepreneur, fitness pro, and founder of Rexius Nutrition and Omaha Protein Popcorn — to talk about scaling life without losing your soul. From bodybuilding stages to global brands in 14 countries, Tim's story is proof that discipline, faith, and energy compound across every area of life. He's a father of six, a business owner of five, and a living example of legacy over luxury. Together, Jim and Tim unpack how health drives wealth, how mentorship multiplies impact, and how faith anchors it all. What You'll Learn: The mindset shift: Balance isn't found—it's built through intentional structure. The personal breakthrough: When your family sees your mission, they stop saying “Dad's gone” and start saying “Dad's out building.” The Strategy: How Tim Uses Seven Synced Calendars and Daily Restoration Routines (Training, Fasting, Sauna) to Stay Sharp in Business and at Home. The story: From bodybuilding and bankruptcy to owning global nutrition brands and mentoring his former employees into partners. The energy principle: Why taking care of your health is the most profitable business decision you'll ever make. Action Steps: 1. Map Your Horizon & Cashflow Decide your hold period (5–10+ years) and set a monthly cashflow target that makes you work-optional. 2. Run SAFE on Your Next Deal Vet the Sponsor first, then Asset, Financials, and Exit. If any letter fails, pass and keep your powder dry. 3. Choose Your Lane Active: commit to learning, mistakes, and reps. Passive: piggyback a proven operator's network (fund-of-funds, co-GP) to diversify now. Tom Dunkle's Final Word “Little, consistent decisions compound. Pick your horizon, partner with the right ‘who,' and let time and cash flow do the heavy lifting.” Connect with Tim Rexius: Instagram: www.instagram.com/timothy_d_rexius Linkedin: www.linkedin.com/in/timothy-rexius-2968422b/ Website: rexiusnutrition.com