Podcasts about Asset

1. Restoring Naval Autonomy: Arguments for Separating the Navy from DoD. Tom Modly argues the Navy is an "underperforming asset" within the Defense Department's corporate structure, similar to how Fiat Chrysler successfully spun off Ferrari. He suggests the Navy needs independence to address critical shipbuilding deficits and better protect global commerce and vulnerable undersea cables from adversaries. 1898 DEWEY'S FLAGSHIP OLYMPIA

In this episode, Michael dives deep into the chaos at Turning Point USA's America Fest. With more than 30,000 attendees, the event revealed a growing rift within the GOP. From Ben Shapiro's scathing critique of fellow conservatives to the controversial presence of rapper Nicki Minaj, the conference exposed the future direction of the Republican Party. Is Turning Point USA a political asset or a liability for the GOP? Listen here then vote at Smerconish.com, and please rate, review and share this podcast! Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Are you ready to graduate from the grind in 2026? Then here’s your most important project: Future You. Learn more “Eye opening and provocative.” “Challenged me to get out of the starting blocks and far down the path of really thinking about this next phase of my life in very different ways. I now feel like I have a solid road map.” “I wish I’d taken this program earlier.” __________________________ Start the new year right with new habits. FREE 3 session program – 3 Fridays in January at Noon Eastern January 2, 9 and 16 Sign up here __________________________ What if the most creative chapter of your life hasn't happened yet? Today's conversation is about second acts that arrive not quietly—but boldly. Kim Gottlieb-Walker published her debut novel at age 78 after a 50-year career as a photographer. She also leads the Vintage Writers, a lively weekly Zoom group of women authors over 70. Joining her is Roselyn Teukolsky, a former math and computer science educator who retired and now writes fiction. This conversation explores creative courage, identity shifts, the power of starting something new – and the value of community. Kim Gottlieb-Walker and Roselyn Teukolsky join us from California. _________________________ Planning for retirement? Check out our recommended Best Books for Retirement _________________________ Bios Kim Gottlieb-Walker's  career as a photographer covered a wide range of subjects, from classic rock and roll, reggae, and politics in the ‘60s and ‘70s to major motion pictures and television shows. Now in her late 70s, she has reinvented herself as a novelist. While still at UCLA (where she  received a BA in Motion Picture production) and shortly thereafter, she shot for underground LA newspapers and magazines including Crawdaddy, the Staff, and Music World. She  also shot the stills for John Carpenter's Halloween, The Fog, Christine and Escape from New York and worked at Paramount Pictures for nine years as the production photographer for Cheers, and five years for Family Ties. For three decades she  was an elected representative for still photographers on the National Executive Board of IATSE Local 600, the International Cinematographers Guild. Her coffee-table photo books Bob Marley and the Golden Age of Reggae and On Set with John Carpenter were published by Titan Press (UK) distributed by Random House (USA) and both are now in multiple printing. They have editions in Japanese, Russian and French. She's  had gallery shows in London, Los Angeles and New York. Her novels are  Lenswoman in Love – a novel of the 1960s & ‘70s (her debut) and the not-yet published historical novel Caterina by Moonlight, about a girl growing up in renaissance Florence in the late 15th century. Her short story “Summer of Love – 1967” appears in the multi-award-winning anthology Feisty Deeds. Former math and computer science teacher, Roselyn Teukolsky, is the author of A Reluctant Spy, an unconventional spy thriller, and The Fourth Woman, a cautionary tale about online dating. Teukolsky has long been intrigued by the dilemmas faced by smart women in male-dominated settings. Working as a computer science teacher has given her the familiarity to create an authentic female protagonist, a brilliant computer scientist, who, in the latest novel, must ward off a ransomware attack and an online-dating predator. Teukolsky has a B.Sc. in Math and Chemistry from the University of the Witwatersrand in Johannesburg, and an M.S. in Math Education from Cornell. She is the author of the Barron's review book for AP Computer Science, which is currently in its 12th edition. Roselyn's favorite pastime is tournament bridge. She wrote How to Play Bridge with Your Spouse … and Survive (Master Point Press) in 2002. She lives in Pasadena, CA, with her husband, Saul Teukolsky. ________________________ Have a Question You’d Like Answered on the Podcast? Click here to leave a voice message or email me at joec@retirementwisdom.com _________________________ For More on Kim Gottlieb-Walker  Lenswoman in Love www.Lenswoman.com for an overview of her photographic history www.TheRenaissanceWoman.net www.KimGottliebWalker.com – her author website. — For More on Roselyn Teukolsky A Reluctant Spy The Fourth Woman _________________________ Podcast Conversations You May Like Why Retirement Was Just the Beginning – Neal Lipschutz A Creative Pursuit with an Intergenerational Assist – Neil & Michelle McLaughlin Edit Your Life – Elisabeth Sharp McKetta __________________________ About The Retirement Wisdom Podcast There are many podcasts on retirement, often hosted by financial advisors with their own financial motives, that cover the money side of the street. This podcast is different. You'll get smarter about the investment decisions you'll make about the most important asset you'll have in retirement: your time. About Retirement Wisdom I help people who are retiring, but aren't quite done yet, discover what's next and build their custom version of their next life. A meaningful retirement doesn't just happen by accident. Schedule a call today to discuss how the Designing Your Life process created by Bill Burnett & Dave Evans can help you make your life in retirement a great one — on your own terms. About Your Podcast Host Joe Casey is an executive coach who helps people design their next life after their primary career and create their version of The Multipurpose Retirement.™ He created his own next chapter after a 26-year career at Merrill Lynch, where he was Senior Vice President and Head of HR for Global Markets & Investment Banking. Joe has earned Master's degrees from the University of Southern California in Gerontology (at age 60), the University of Pennsylvania, and Middlesex University (UK), a BA in Psychology from the University of Massachusetts at Amherst, and his coaching certification from Columbia University. In addition to his work with clients, Joe hosts The Retirement Wisdom Podcast, ranked in the top 1% globally in popularity by Listen Notes, with over 1.6 million downloads. Business Insider recognized Joe as one of 23 innovative coaches who are making a difference. He's the author of Win the Retirement Game: How to Outsmart the 9 Forces Trying to Steal Your Joy. ___________________________ Wise Quotes On a Writing Community “One of the things I’ve loved best about this recreation of my life is the number of people it’s brought into my life because the writers are a very supportive community. And it keeps your brain alive. There’s so much you have to learn with the learning curve of writing a book that it keeps your brain cells going. It stimulates them. I think there are many people out there who, after having had very active careers that are now retired and are feeling at lost ends. Every person has met interesting people during their lives, has had things happen to them, have had tragedies, have had happiness. Everybody has experiences in them that they might want to communicate. And writing, even though it seems like a very solitary occupation, it gives you a chance to put all of your life experience out into the world and to then connect with other people, other writers, to get the support that you need and to learn all of the different aspects of it. So it’s a very satisfying way to spend your retirement. Oh, well, it’s an amazing group of women. They’re all over 70. They’ve all reinvented themselves as writers. Some were writers beforehand, but most have reinvented themselves. And they cover all different kinds of writing of every genre. There’s self-help, there’s romance, there’s mystery, there’s historical fiction, and they’re all very talented, alert, wonderful women. And we meet every Tuesday on Zoom and commiserate and celebrate and give advice. And it has been the most wonderful support group. So we’re not isolated in retirement. We have interactions with people who have similar goals and similar challenges. It’s a tremendous support group.” – Kim Gottlieb-Walker On Age as an Asset ” It is never too late to reinvent yourself. It’s totally within your reach. You don’t have to depend on anyone else. All you have to do is sit down and let your ideas flow. And I wouldn’t worry about ageism because now that we’re in an age where you can self-publish, it doesn’t matter how old you are. And the fact that we have had such rich lives and so many experiences informs the writing and gives the writing depth and gives it reality because it’s based on our real experiences. No matter what you’re writing, you’re bringing your life experiences into it, which is incredibly valuable. So don’t worry about ageism. Don’t worry about the publisher. Just get it out on paper. Do it yourself.” – Kim Gottlieb-Walker On Starting to Write “A lot of my friends have said to me, Oh, they would love to write a book. They would love to write a book. They’re going to write a book. But the point is, if you don’t sit down every day at the same time, backside in the desk, it doesn’t happen. It just doesn’t. Even if you sit and do nothing. I would ask, what are you going to do in the next 10 years? And I say, I don’t know what I’m going to do. And I say, Well, why not write in the next 10 years?” – Roselyn Teukolsky

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training What would you do if the merger you believed would change everything suddenly collapsed? Agency owners often dream of the big exit: the acquisition, the payday, the validation. But if you've been in this industry long enough, you know the story rarely goes as planned. Today's guest lived through the dot-com boom, a merger gone sideways, a rare "un-merger," and multiple reinventions across three decades. Today's featured guest is an agency owner who lived through the dot com boom, a merger gone sideways, an unmerger (a rare event), and multiple reinventions over three decades. He'll talk about his journey and the lessons he's gained in resilience, clarity, and what it means to build a business that lasts. Tom Snyder is the founder and CEO of Trivera, a Milwaukee-based agency that originally launched in 1996 under the name Website Solutions. He got his start back when tables ruled the web, Netscape Navigator was leading the browser war, and you had to explain to clients what the internet even was. Tom's agency grew quickly through the dot com boom, became part of an early multi-agency rollup, unmerged after the dot com crash, and later rebuilt itself around strategic services, recurring revenue, and emerging technologies. Thirty years later, he has seen nearly every high and low this industry can deliver and has the scars and wisdom to match. In this episode, we'll discuss: The roll up that seemed like a dream and the subsequent meltdown. The rare chance to unmerger. Learning to adapt to new technologies. 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. The Early Days of the Web: A Front Row Seat to Digital History Tom got into websites before most people even understood what a web browser was. He recalls visiting a friend in 1995 who showed him a website for a local jeweler. The fact that someone in Milwaukee could suddenly sell jewelry to anyone in the world blew his mind. That spark soon became Website Solutions, a one-man shop in his duplex basement that grew into a million-dollar agency within three years. These early days were defined by scrappiness. There were no WordPress installs, no Mailchimp, no Shopify. Agencies wrote their own CMS platforms, email tools, and ecommerce systems. For years, Trivera worked on project-based engagements. Sell a website. Build it. Launch it. Then hunt for the next one. It created a revenue roller coaster that made it hard to grow. Then the breakthrough came when someone asked a simple question: Why are you not offering annual retained services? Once they shifted the model, everything changed. Retainers gave them predictable cash flow, stability during downturns, and the ability to build deeper, longer-term partnerships. Inside the Dot-Com Boom and the Rollup That Promised Millions By the late nineties, agency rollups were happening everywhere. Big groups on the West Coast were buying smaller shops at high valuations, promising stock payouts that would multiply as the group grew. Tom's agency was acquired by one of these rollups. The offer was attractive: $1 million in stock with the expectation that it could balloon into ten million within a couple of years. For Tom, this was more than a payday. It felt like a way to secure better opportunities for his team. Higher salaries, better benefits, more resources. All the things agency owners often think a larger parent company can provide. But as the ink dried on the deal, the dot com crash hit. Internal battles erupted among the agency owners inside the rollup. Some wanted to scale fast and sell. Others were emotionally attached to their agencies and resisted change. As the economy collapsed, so did the plan. When an Agency Merger Falls Apart Tom describes the internal environment as chaos. Agencies within the rollup started blaming one another for the downturn. Some owners viewed Tom's Midwest operation as a weak link and argued it was a mistake to acquire them. Then came the breaking point. At a Las Vegas meeting that was supposed to chart a path forward, Tom learned that he would lose control of his agency. His wife, who served as CFO, would be dismissed. His team would report to another agency owner. This happened on September 10th. The next morning, as they sat in their hotel room trying to process what to do, the news broke that planes had hit the World Trade Center. The world changed, and so did their priorities. In that moment of clarity, they made the decision to walk away and unmerge. How a Rare Un-Merge Saved the Agency Unmerging from an agency rollup almost never happens. But because the rollup was already fracturing, the leadership was surprisingly open to it. They returned most of the shares, let Tom keep a small portion, and released the original agency name. From there, Tom and his wife rebuilt everything from scratch under a new identity. Although it felt like the right decision to make, they were still exiting what was still a financially stable operation to start from scratch, which was a scary but necessary step to take. They brainstormed names that felt Greek or Latin until they arrived at Trivera. The name itself was available only because the previous owner had just let the domain lapse. It felt like a small sign that starting over was the right move. This reset allowed Tom to build the agency the right way. No irrational exuberance, burn rates, or pressure to sell. Just strong culture, smart financial discipline, and an eye on durable business fundamentals. How Adapting to New Technology Helped Survive in Crisis After the dot com crash, new technologies created fresh opportunities. SEO, email marketing, mobile, and social opened new revenue streams that helped Trivera rebound each time the economy dipped. Tom noticed a pattern. Every downturn was followed by a brand new marketing wave that rewarded the agencies willing to embrace it early. One of the most pivotal moments came during the 2009 recession. The agency had lost clients, payroll was tight, and they needed a breakthrough. Everyone was asking about social media at the time, so Tom and his team built an event called Social Media University. They hustled for two months and ended up selling 400 tickets. The sales and sponsorship revenue kept their payroll alive and catapulted them into a new service category. Events like this do more than create revenue. They cement authority, give an agency a story in the market, and in Tom's case, it opened doors to new clients and positioned them for the next evolution of the agency. Letting Go of Comparison to Stay Focused on the Journey Despite the wins, Tom admits there were years he compared his agency to others and wondered why they scaled or sold faster, especially some that got the tools from his very social media event. It is easy to feel behind when you see competitors raising money, getting acquired, or shouting big revenue numbers. However, there's very little one can actually know about other agency's purchase deals. These stories are incomplete. You never know what the real terms were. You never know the headaches behind the scenes. And you definitely never know if they actually took money home. Success in the agency world is rarely a straight line. It is more often a messy, winding path filled with reinventions, hard conversations, and moments when you question everything. So agency owners struggling and watching others reach new milestones should remind themselves that longevity comes from resilience, not a perfect upward curve. 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.

Are you planning to retire in 2026? In this episode of Wise Money, we cover the most important decisions to make in the final stretch before retirement. Learn how to stress-test your plan, align your income and investments, and coordinate taxes, Social Security, and healthcare so you can transition into retirement with clarity and confidence.  Season 11, Episode 18 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/LwYuAzlY8F4  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.

  As 2025 closes with major indexes near highs – but investors still oddly cautious – Dana Lyons and Rick Bensignor step back to map...

Most owners work hard for money—few learn to make the tax code work hard for them. In this episode of Sharkpreneur, Seth Greene interviews Catrina M. Craft, a tax strategist and accountant who's advised business owners and previously learned elite tax strategy working with the wealthiest 2% of Americans. Creator of the CRAFT Money Map framework, Catrina specializes in turning reactive “tax season” chaos into proactive, year-round wealth strategy. She breaks down the KPIs that actually drive profitability, the entity and election decisions that matter, and timely plays like bonus depreciation, §179, and QBI that can free up cash to grow.   Key Takeaways: → Proactive vs. reactive taxes: what changes when strategy starts before year-end. → The five KPIs that matter: cash flow, profitability, A/R & A/P, LTV, and CAC—plus how to dashboard them. → The C.R.A.F.T. Money Map: Cash flow, Retirement, Asset management/protection, Financial freedom, and Tax strategies. → Entity structure ≠ paperwork: why LLC + the right tax election (S/C/partnership/sole prop) can swing your tax outcome. → When to hire a strategist: startup consults to avoid missteps; quarterly at ~$50k profit; monthly at ~$100k+.   Catrina M. Craft, CPA, CEO & Founder of Craft More Cash. "The tax code isn't fair — but that's your opportunity as a business owner.” This is the perspective Catrina Craft brings as the CPA and tax strategist behind some of the most profitable coaches, consultants, and creators in the industry. After climbing out of $100K in debt and losing 80% of her income overnight, she rebuilt her business by using the same advanced tax strategies and wealth-building tactics that the top 2% of the wealthiest rely on to protect and multiply their money. Now, she teaches her clients to do the same. Through her Craft Money MapTM system, she helps high-earning entrepreneurs cut taxes by 25% and boost profits by 20% — strategies most accountants won't even talk about. On the mic, Catrina pulls back the curtain on what the ultra-wealthy know: how proactive tax strategy lets you keep more, grow faster, and build real wealth. Listeners walk away with practical insights on entity structuring, overlooked deductions, and income planning that scales. Connect With Catrina: Website: https://www.catrinamcraft.com/ Instagram: https://www.instagram.com/catrinamcraft/ Facebook: https://www.facebook.com/catrinamcraft1/   Learn more about your ad choices. Visit megaphone.fm/adchoices

operationally, and financially—is where most practices struggle. A Problem Most Practices Recognize Many practices invest in advanced technology with good intentions—better care, differentiation, growth. Yet months later, the equipment is used inconsistently, reserved for rare cases, or quietly avoided because it disrupts flow. Dr. Brujic explains why this happens so often: Doctors buy equipment to be "cutting edge" without first identifying a real gap in care or existing patient demand. Workflow isn't designed to support consistent use Teams aren't aligned on when or why to use it The result is frustration—for clinicians, staff, and patients.

Ray Green answers a thought-provoking question from a friend: Is there a real difference between "play to win" and "play to not lose" people, and can you build an entire team of aggressive risk-takers? In this episode, Ray breaks down why he believes there are two distinct types of "play to not lose" people - Type 1 who are well-intentioned and think through proper risk mitigation, and Type 2 who operate from fear and lack of confidence. He explains why Type 1 people are actually assets who balance out aggressive play-to-win leaders, while Type 2 people are toxic liabilities that drain your organization. Ray shares a personal story from his first CEO role about constantly fighting with his co-founder, who drove him crazy but ultimately made him a better leader by having the confidence to speak truth to power. This is about understanding the balance you need on your team, knowing the difference between healthy defensive thinking and toxic negativity, and why you don't want a team of only one type of person.//Welcome to Repeatable Revenue, hosted by strategic growth advisor , Ray J. Green.About Ray:→ Former Managing Director of National Small & Midsize Business at the U.S. Chamber of Commerce, where he doubled revenue per sale in fundraising, led the first increase in SMB membership, co-built a national Mid-Market sales channel, and more.→ Former CEO operator for several investor groups where he led turnarounds of recently acquired small businesses.→ Current founder of MSP Sales Partners, where we currently help IT companies scale sales: www.MSPSalesPartners.com→ Current Sales & Sales Management Expert in Residence at the world's largest IT business mastermind.→ Current Managing Partner of Repeatable Revenue Ventures, where we scale B2B companies we have equity in: www.RayJGreen.com//Follow Ray on:YouTube | LinkedIn | Facebook | Twitter | Instagram

Il Consiglio Ue trova l'accordo su un prestito da 90 miliardi all'Ucraina attraverso uno strumento di debito comune. Restano congelati, quindi, gli asset russi. Il commento di Lorenzo Castellani, storico e politologo, docente alla Luiss. Nuova stretta al vaglio per il telemarketing selvaggio. Ci spiega tutto Andrea Biondi del Sole 24 Ore. Quella in cima alla classifica delle buone notizie di questa settimana ci proietta già al nuovo anno: da giugno 2026 infatti il treno notturno European Sleeper passerà anche per Milano. Sentiamo Giovanni Antoniazzi, vice presidente di Back-on-Track Europe e referente di Back-on-Track Italy.

Lo spettro di Epstein su Trump, spuntano nuove foto e sms. Learn more about your ad choices. Visit megaphone.fm/adchoices

Ue, 90 mld € di prestiti a Kiev senza gli asset russi: Bce senza sorprese, Boj alza i tassi; TikTok salva negli Usa, Oracle tra gli investitori; Mps-Mediobanca, Giorgetti nega interferenze; Gli ETF migliori e peggiori del 2025. Puntata a cura di Elisa Piazza - Class CNBC Learn more about your ad choices. Visit megaphone.fm/adchoices

Show Highlights Include: 00:00 – Introduction & Why These Topics MatterFrank and Stacey explain why this episode focuses on the six themes that got the most traction from advisors in 2025.03:28 – Data as an Asset and Its Impact on ValuationWhy CRM, data quality, and accessibility now play a major role in how buyers evaluate advisory firms.08:10 – Industry Consolidation and the LPL - Commonwealth Ripple EffectHow major M&A deals are reshaping recruiting packages, advisor leverage, and firm competition.13:56 – Staying in the Driver's Seat During AcquisitionsWhy advisors should evaluate whether they would still choose their firm if given a clean slate.17:04 – W-2 Models, Independence, and the “Swimming Upstream” TrendThe rise of independent W-2 structures and why some advisors are moving back toward them.21:51 – Deal Evolution, Multiples, and Private Equity Reality ChecksWhat advisors need to understand about headline multiples, deal structures, and long-term control.31:16 – From Practitioner to EntrepreneurThe mindset shift required to build scalable, enterprise-level advisory businesses.36:37 – Marketing, Video, and the Cost of InactionWhy visibility, authenticity, and decisive action are no longer optional for growth-focused advisors.This episode is a practical, candid look at where the industry is today - and what advisors should be thinking about as they plan their next move.Learn more about our companies and resources:-Elite Consulting Partners | Financial Advisor Transitions:https://eliteconsultingpartners.com-Elite Marketing Concepts | Marketing Services for Financial Advisors:https://elitemarketingconcepts.com-Elite Advisor Successions | Advisor Mergers and Acquisitions:https://eliteadvisorsuccessions.com-JEDI Database Solutions | Technology Solutions for Advisors:https://jedidatabasesolutions.comListen to more Advisor Talk episodes:https://eliteconsultingpartners.com/podcasts/

Welcome back to The Starting Line Podcast with host Cole Taylor!In this episode, Cole interviews Jake Kelfer, Author, Speaker, Entrepreneur and Founder of Big Idea to Bestseller a book publishing company.We discuss the power of authoring a book as a leader, how easy the process can be to become an author, and how business and sports are so closely alike.Tune in!Connect with our guest;Instagram.com/jakekelferwww.bigideatobestseller.com Our resources:Book a call with us here:Business Coaching Health Coaching Free health resources & community:The Optimized Entrepreneur GroupFree faith brotherhood:www.facebook.com/groups/winnerscirclebrotherhood/Connect with Cole:www.instagram.com/coledavidtaylorwww.cole360.com

Each quarter, hear from SWIB staff about the economy, the markets, and how the Wisconsin Retirement System trust funds are impacted. Hear how SWIB is working to help the Wisconsin Retirement System remain among the nation's most resilient pension funds – growing and protecting participants' benefits and giving them peace of mind to focus on work, life, and the future. In this market update, we welcome back SWIB's Head Economic and Asset & Risk Allocation Chief Investment Officer Todd Mattina to talk about the issues that impacted the markets through the fourth quarter of the year and what we might expect as we make our way through the final weeks of 2025.

Leader europei a Bruxelles per un Consiglio a tema asset russi. Ci colleghiamo con il nostro inviato Sergio Nava. Restando in ambito europeo, l'accordo con il Mercosur rischia di saltare ad un passo dalla firma: sul tavolo delle clausole che scongiurino concorrenza sleale. Sentiamo Ettore Prandini, Presidente della Coldiretti. La Corte Costituzionale dà ragione alla Toscana sulla legge regionale, impugnata dal governo, che regolamenta gli affitti brevi. Con noi Eugenio Giani, Presidente della Regione Toscana. OpenAI e Amazon in trattativa sui chip Trainium. Questa e altre notizie di tecnologia con il nostro Enrico Pagliarini.

In this episode we discuss the resilience of the current environment, the risks for a market pullback, and the opportunities ahead as AI improves productivity. 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.

What if you treated your business like an important asset? In this episode, I share a game-changing mindset shift that helped me build a multi-million dollar coaching business: thinking of my business as a growing asset, not just a job. This shift completely transformed how I showed up and how I invested in my business.   I explain why your business needs constant care and attention in its early stages, much like nurturing a baby. It requires ongoing effort, skill development, and commitment, even when it's tough. Rather than seeking quick passive income, this is about building your capacity to manage challenges and viewing your business as an asset with limitless potential.   If you want to start making serious money as a coach, you need to check out 2k for 2k. Click here to join: https://staceyboehman.com/2kfor2k! 

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training As a user, do you still use search engines or have completely defaulted to AI? How will this shift reshape the agency world? How will ads work when people are only getting the one answer they need? Most agency owners are still treating SEO like it's 2012 — optimizing keywords, buying backlinks, and praying to the Google gods. But search has already changed. People are asking AI for answers, not Googling for links. And if you want your agency or your personal brand to stay visible in this new era, the rules are completely different. Today's featured guest will unpack the shift from SEO to AEO and why most businesses are invisible to AI without even realizing it. Kasim Aslam is one of the world's leading voices on Answer Engine Optimization. He runs one of the largest AEO communities and leads a six person research team that has analyzed millions of AI citations to understand how large language models choose their sources. He is also the author of The AEO Blueprint and the founder of multiple companies, including a staffing agency, a mastermind, and AEO.co. Kasim has spent the past year deep in the trenches studying how AI crawlers gather, filter, and prioritize information. When it comes to AEO, nobody has more real data. In this episode, we'll discuss: SEO is over. Understanding AEO. Why brands may get lost in LLMs. The quiet Google change that just changed everything in AI citations. The future of ads. 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 SEO Is No Longer Enough: The Rise of Answer Engine Optimization (AEO) To understand Answer Engine Optimization, we must first understand that, despite what some agencies may be saying, it is not the same as SEO. Traditional search engines prioritize links. That is why entire industries exist around buying them. In the world of LLMs, backlinks barely matter. The number one ranking factor for AI citations is schema markup. And only 12.4% of websites have clean, validated schema. In other words, nearly 90% of brands are invisible to AI crawlers, regardless of how strong their SEO is. Schema isn't just another optimization tactic. It is the visibility layer. It is the metadata that helps LLMs understand and categorize your content. If your schema is broken or missing, AI cannot reference you even if your content is excellent. This is the equivalent of having a beautiful storefront on a street no one can find. The second key is social mentions. In the same way SEO relied on links, AEO relies on people talking about you. For instance, a TikTok comment from someone in the agency industry saying Jason Swenk is their go-to agency guy counts as an authority signal. LLMs weigh these human mentions heavily. Finally, a lot of the nuances on AEO are changing every day, but Kasim has learned that the real key is building authority, long-form content. That along with clear schema and personal brand is the future of staying in the conversation. Why Personal Authority Beats Brand Authority in AI Search One of the biggest shifts Kasim highlights is that answer engines prefer individuals. A person can write a book, earn a PhD, share opinions, create content, develop mastery, and build authority in a way brands cannot. That means generalists are in trouble. If your expertise is scattered, AI won't know how to classify you and won't choose you as an authoritative answer. Meanwhile, someone who goes deep in a single topic becomes the preferred answer. It is a shift away from corporate brand authority and toward personal authority. Authority is not spread across a company anymore. It sits with people. Agencies that hide behind a brand name will lose visibility. Personal brands that plant a flag will win. For agency owners, this is huge. You do not need a bigger brand. You need clear expertise tied to a real person. This is exactly why Jason positions all the Agency Mastery content around him. Personalities thrive. Brands get lost. Where LLMs Get Their Data (and Why That Just Changed Overnight) Kasim's research revealed that 21 percent of all AI citations once came from Reddit. YouTube followed at 18.8 percent. These platforms had deep context and raw human conversation, which LLMs love. Then Google quietly changed everything. Twenty two days before the interview, Google cut off 90% of the internet from AI crawlers by reducing search results from hundreds to ten. Because LLMs rely on deep search results (not the top ten), reducing the searchable depth limits the information AI can access - removing platforms like Reddit from the AI training pipeline. AI tools rely heavily on these deeper results for nuance. By limiting access, Google essentially removed Reddit and other community based sites from the AI food chain. This change sent shockwaves through stock prices and visibility, and most people never noticed. Google is protecting the content needed to train AI because only two organizations truly own the global knowledge graph: Google and Amazon. OpenAI and the rest are crawling, not casing, the internet, which means they operate at a major disadvantage. Google is playing statecraft. And according to Kasim, Google will win the AI race. The Rise of Screenless Search and Voice-Driven Results According to Kasim, we are quickly moving toward a screenless world. Eric Schmidt has said the screenless future is years away, not decades. And the younger generation is already there. Over 55 percent of people under 25 use voice instead of text. Voice queries require different markup, structure, and formatting, and only 0.3 percent of websites use voice schema. Meanwhile, 65 percent of all searches end in zero clicks. People are asking, getting an answer, and moving on. That number does not even include the people who have stopped using search altogether and have already shifted to answer engines. This means your future website is not for your audience. It is for AI. Kasim is rebuilding his personal site in Notion because he believes CSS-light, simple, stripped down sites will perform better for AI ingestion. We are entering a world where content is created for machines first and humans last. How Google Gemini Is Rewriting the Future of Advertising Here is a wild data point. When Kasim set up new Chromebooks for his kids, he discovered the default search engine was not Google. It was Gemini. Google owns Chrome. Google owns Chromebooks. Yet they replaced its primary revenue driver on its own device with a product that currently has no ads. This tells you where the company is headed. They are rebuilding a new knowledge graph optimized for answer engines, while competitors still reply on the old search-oriented graph. And the future ad model will be nothing like what agencies grew up on. If one answer becomes the default experience, where do ads go? How are they shown? What are users willing to tolerate? And will businesses have to give away deep content to earn visibility the same way early YouTubers and bloggers did? These questions will reshape the entire lead generation ecosystem. Data, Moats, and the K-Shaped Economy The people who win in this new world are those who own data. Not tool access or workflows. Data. Custom GPTs, custom models, and proprietary knowledge bases become your moat. We are entering a K-shaped economy. Twenty percent of people and businesses will become unstoppable because their productivity will outpace demand. Eighty percent will fall to zero. The middle disappears. That means agency owners must adapt, evolve, and lean into deep expertise. Vibe coding (the rapid, exploratory use of AI tools) and no code platforms are accelerating this divide. Kasim's team recreated a software that normally costs ten thousand a year in a weekend. Entire SaaS categories are about to be wiped out. 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.

Private asset-based finance (ABF) is the catch-all of credit markets—a diverse and complex segment offering a wide range of investment opportunities. In this follow-up to our previous ABF discussion, we delve deeper into the asset class and what it takes to be successful from origination to underwriting and portfolio construction. We discuss investment areas of interest—as well as those we're apt to avoid—and examine the convergence of structured products and corporate credit through the lens of AI and data center finance. This episode also explores market dynamics, risk management, and where private ABF fits into multi-asset portfolio construction. PGIM's Brian Barnhurst, CFA, Head of Global Credit Research, hosts Oliver Nisenson, Head of Asset-Based Finance. Recorded on November 26, 2025.

Publicly available data can paint a much clearer picture of our lives than most of us realize, and this episode takes a deeper look at how those tiny digital breadcrumbs like photos, records, searches, even the background of a Zoom call can be pieced together to reveal far more than we ever intended. To help break this down, I'm joined by Cynthia Hetherington, Founder and CEO of The Hetherington Group, a longtime leader in open-source intelligence. She also founded Osmosis, the global association and conference for OSINT professionals, and she oversees OSINT Academy, where her team trains investigators, analysts, and practitioners from all experience levels. Cynthia shares how she started her career as a librarian who loved solving information puzzles and eventually became one of the earliest people applying internet research to real investigative work. She talks about the first wave of cybercrime in the 1990s, how she supported law enforcement before the web was even mainstream, and why publicly accessible data today is more powerful and more revealing than ever. We get into how OSINT actually works in practice, from identifying a location based on a sweatshirt logo to examining background objects in video calls. She also explains why the U.S. has fewer privacy protections than many assume, and how property records, social media posts, and online datasets combine to expose surprising amounts of personal information. We also explore the growing role of AI in intelligence work. Cynthia breaks down how tools like ChatGPT can accelerate analysis but also produce hallucinations that investigators must rigorously verify, especially when the stakes are legal or security-related. She walks through common vulnerabilities people overlook, the low-hanging fruit you can remove online, and why your online exposure often comes from the people living in your home. Cynthia closes by offering practical advice to protect your digital footprint and resources for anyone curious about learning OSINT themselves. This is a fascinating look at how much of your life is already visible, and what you can do to safeguard the parts you'd rather keep private. Show Notes: [01:17] Cynthia Hetherington, Founder & CEO of The Hetherington Group is here to discuss OSINT or Open-Source Intelligence. [02:40] Early cyber investigators began turning to her for help long before online research tools became mainstream. [03:39] Founding The Hetherington Group marks her transition from librarian to private investigator. [04:22] Digital vulnerability takes center stage as online data becomes widely accessible and increasingly revealing. [05:22] We get a clear breakdown of what OSINT actually is and what counts as "publicly available information." [06:40] A simple trash bin in a photo becomes a lesson in how quickly locations can be narrowed down. [08:03] Cynthia shares the sweatshirt example to show how a tiny image detail can identify a school and possibly a city. [09:32] Background clues seen during COVID video calls demonstrate how unintentional information leaks became routine. [11:12] A news segment with visible passwords highlights how everyday desk clutter can expose sensitive data. [12:14] She describes old threat-assessment techniques that relied on family photos and subtle personal cues. [13:32] Cynthia analyzes the balance and lighting of a Zoom backdrop, pointing out what investigators look for. [15:12] Virtual and real backgrounds each reveal different signals about a person's environment. [16:02] Reflections on screens become unexpected sources of intelligence as she notices objects outside the camera frame. [16:37] Concerns grow around how easily someone can be profiled using only public information. [17:13] Google emerges as the fastest tool for building a quick, surface-level profile of almost anyone. [18:32] Social media takes priority in search results and becomes a major driver of self-exposed data. [19:40] Cynthia compares AI tools to the early internet, describing how transformative they feel for investigators. [20:58] A poisoning case from the early '90s demonstrates how online expert communities solved problems before search engines existed. [22:40] She recalls using early listservs to reach forensic experts long before modern digital research tools were available. [23:44] Smarter prompts become essential as AI changes how OSINT professionals gather reliable information. [24:55] Cynthia introduces her C.R.A.W.L. method and explains how it mirrors the traditional intelligence lifecycle. [26:12] Hallucinations from AI responses reinforce the need for human review and verification. [27:48] We learn why repeatable processes are crucial for building trustworthy intelligence outputs. [29:05] Elegant-sounding AI answers illustrate the danger of unverified assumptions. [30:40] An outdated email-header technique becomes a reminder of how quickly OSINT methods evolve. [32:12] Managed attribution—hiding your digital identity—is explained along with when it's appropriate to use. [33:58] Cynthia unpacks the reality that the U.S. has no constitutional right to privacy. [35:36] The 1996 case that sparked her digital-vulnerability work becomes a turning point in her career. [37:32] Practical opt-out steps give everyday people a way to remove basic personal data from public sites. [38:31] She discusses how indirect prompting of AI tools can still narrow down someone's likely neighborhood or lifestyle. [39:58] Property and asset records emerge as unavoidable exposure points tied to government databases. [40:52] A high-risk client's situation shows how family members often create digital vulnerabilities without realizing it. [42:44] Threats that surface too late demonstrate why proactive intelligence work is essential. [44:01] Concerns about government surveillance are contrasted with the broader access private investigators actually have. [45:12] Train tracks become an example of how physical infrastructure now doubles as a modern data network. [46:03] She explains how audio signatures and forensic clues could theoretically identify a train's path. [47:58] Asset tracking becomes a global operation as valuable cargo moves between ships, trucks, and rail systems. [49:48] Satellite imagery makes monitoring even remote or underwater locations almost effortless. [51:12] Everyday applications of geospatial analysis include environmental changes and shifts within local communities. [52:19] Surveillance is compared to gravity; it's constant, invisible, and always exerting pressure. [52:44] Cynthia shares practical strategies for controlling your environment and keeping conversations private. [54:01] Resources like OSINT Academy, Information Exposed, and the Osmosis Association offer pathways for learning and strengthening personal privacy. [55:32] The episode closes with encouragement to stay aware of what you share and how easily digital clues can be connected. Thanks for joining us on Easy Prey. Be sure to subscribe to our podcast on iTunes and leave a nice review.  Links and Resources: Podcast Web Page Facebook Page whatismyipaddress.com Easy Prey on Instagram Easy Prey on Twitter Easy Prey on LinkedIn Easy Prey on YouTube Easy Prey on Pinterest Hetherington Group OSMOSIS OSINT Academy Cynthia Hetherington - LinkedIn OSINT: The Authoritative Guide to Due Diligence Business Background Investigations: Tools and Techniques for Solution Driven Due Diligence

Galtere, Inc. v. Harvest Capital Asset Mgmt.

Overview In this episode of the Breakfast Leadership Show, Michael Levitt welcomes Henry Yoshida, founder and CEO of Rocket Dollar, for a deep dive into how technology is reshaping investment accessibility. Together, they explore how average Americans can take control of their financial futures through self-directed IRAs and alternative asset investing. Empowering Diversified Investment Access Henry Yoshida opened the conversation by outlining the sharp decline in publicly traded companies—from roughly 16,000 to around 4,000 over the last century. He explained that a small group of leading firms in the S&P 500 now drive the majority of market returns. This imbalance inspired him to create Rocket Dollar, a platform designed to help investors diversify into non-correlated assets such as real estate. Interestingly, the company's name came from his six-year-old daughter, representing the idea that investors can “go further” with their money. Enhancing Investment Accessibility Through Technology Michael and Henry discussed the evolution of financial markets and the crucial role technology plays in improving access to alternative investments. While the stock market has historically trended upward, Henry emphasized that returns depend heavily on timing. He shared how Rocket Dollar uses technology to simplify complex investment processes, giving everyday investors access to opportunities once reserved for institutions. Real Estate Investment Opportunities Michael turned the discussion toward real estate, describing it as one of the most tangible and stable investment opportunities. He noted how modern platforms like Rocket Dollar make it easier to participate without the traditional headaches of property management. Henry agreed, highlighting that real estate investing can provide not only financial returns but also personal satisfaction and control. Self-Directed IRA Real Estate Investing Henry explained the advantages of self-directed IRAs in allowing investors to use retirement funds for local real estate ventures. Unlike the abstract nature of public markets, this approach connects investors directly with their communities and properties. He pointed out that the ability to personally inspect and enhance properties provides a deeper level of engagement and understanding. Investments and Community Belonging Michael and Henry explored how investments can build stronger local economies. They discussed Austin's growth as an example of how local investments can benefit both residents and investors. Michael emphasized that meaningful investments don't just generate profit—they foster a sense of belonging and collective progress. Local Investment Strategies for Retirement Henry described Rocket Dollar as a bridge between traditional retirement savings and local investment opportunities. By investing in local startups or real estate, individuals can strengthen their communities while diversifying their portfolios. Michael underscored the mutual benefit of this model, which supports small businesses and generates sustainable growth within neighborhoods. Private Investment Opportunities and Trends Wrapping up the conversation, Henry and Michael discussed the growing shift from public to private investments. Henry highlighted the potential for investors to tap into emerging opportunities in private companies such as OpenAI and SpaceX, leveraging their existing retirement funds through Rocket Dollar's platform. Michael encouraged listeners to explore diversification, think locally, and take advantage of new investment pathways that align personal wealth-building with community impact. Connect with Henry Yoshida: Visit RocketDollar.com to learn more about self-directed IRAs and alternative investments. Listen to more episodes and insights at: BreakfastLeadership.com/blog   Henry Yoshida, CFP® CEO & Co-Founder, Rocket Dollar | SVP, Retired.com Henry Yoshida is a financial innovator who's reshaping how Americans invest for their future. As the CEO and Co-Founder of Rocket Dollar, Henry empowers everyday investors to take control of their retirement savings through self-directed IRAs and Solo 401(k)s that unlock access to real estate, startups, and alternative assets traditionally reserved for the wealthy. Before launching Rocket Dollar, Henry founded Honest Dollar, a robo-advisor retirement platform backed by venture capital and later acquired by Goldman Sachs, and MY Group LLC, which was acquired by Captrust. His decade at Merrill Lynch built the foundation for his mission to democratize wealth-building through smarter, tax-advantaged investing. A Certified Financial Planner with an MBA from Cornell University and a degree from The University of Texas at Austin, Henry blends Wall Street expertise with a visionary approach to fintech innovation. His work has been featured across leading media platforms for its impact on the future of retirement investing. When he's not helping investors rethink what's possible with their money, Henry enjoys life in Austin with his two daughters. Signature Topics: – Tax-Advantaged Wealth Building – The Future of Retirement Investing – Real Assets in Retirement Portfolios – Democratizing Alternative Investments Learn more: rocketdollar.com/podcast | LinkedIn: Henry Yoshida  

Many retirees today feel squeezed. Rising costs, fixed incomes, and market uncertainty can make the retirement years feel more fragile than expected. Yet for many households, one of their largest assets—their home—often sits unused in their financial plan.For years, reverse mortgages carried a mixed reputation. But significant reforms over the last decade have reshaped the program, making today's options safer, more flexible, and better aligned with thoughtful retirement planning. Today, we are joined by Harlan Accola, National Reverse Mortgage Director with Movement Mortgage, to explore how home equity can play a more intentional role in retirement.Why Home Equity Is Often OverlookedFor many retirees, their home represents their single largest asset. Yet it's frequently absent from retirement conversations.One reason is perception. Outdated assumptions and negative press have long hampered reverse mortgages. Another reason is structural: many financial advisors simply aren't trained—or compensated—to incorporate home equity into retirement planning. As a result, planning conversations often focus on investments, Social Security, pensions, and insurance, while equity is quietly ignored.That oversight can create strain. When too much wealth is locked inside a home, retirees may feel cash-poor even while sitting on significant net worth—especially if they're still making monthly mortgage payments.Much of what people fear about reverse mortgages no longer applies. Major legislative reforms roughly a decade ago addressed earlier concerns and strengthened consumer protections. Today's reverse mortgage programs are federally regulated and far more transparent.In fact, recent industry surveys—including data from J.D. Power—show that more than 90% of reverse mortgage borrowers report being satisfied with their experience. As more people hear positive stories from neighbors and friends, perceptions continue to shift.Key Benefits of Today's Reverse MortgagesThe most immediate benefit for many retirees is simple: eliminating a monthly mortgage payment. I've spoken with retirees who are using a significant portion of their Social Security income just to cover housing costs. Removing that payment can dramatically improve monthly cash flow—even for those who technically “can afford” the payment.Another powerful benefit is preparation. Long-term care remains one of the largest unfunded risks in retirement. For homeowners who have already paid off their house, a reverse mortgage can establish a guaranteed line of credit before it's needed. Think of it as getting an umbrella before it starts raining—access to funds that can be used later if health care needs arise or unexpected expenses surface.A Third Bucket in Retirement PlanningTraditionally, retirees think in terms of two buckets: income and investments. But home equity can function as a third.The early years of retirement are often the most critical. Drawing too quickly from investments doesn't just reduce the balance—it also eliminates years of future growth. By using home equity strategically, retirees may be able to reduce pressure on their investment portfolio, delay Social Security, and extend the longevity of their overall plan.In many cases, this isn't about necessity—it's about stewardship. Rather than leaving a major asset idle or waiting until it must be accessed in distress, home equity can be used intentionally to support stability, flexibility, and peace of mind.Reverse mortgages aren't for everyone, and they should always be evaluated carefully within a broader financial plan. But for those in the later seasons of life—especially homeowners still making payments or struggling to meet monthly expenses—they can be a valuable option.When used wisely, home equity isn't about giving something up. It's about stewarding what God has already entrusted to you, so your resources serve you well throughout retirement.To learn more, visit Movement.com/Faith.On Today's Program, Rob Answers Listener Questions:I own a small business with about 10 employees, and I'm looking to set up a 401(k). I'm not sure which type makes the most sense or how to get started—can you help point me in the right direction?I've been furloughed, and I'm considering borrowing from my 401(k). I'm trying to understand the tax implications of taking out $50,000 and splitting it between 2025 and 2026. Would it be wiser to take half each year, especially given the uncertainty ahead?I'm a widow with no children or close family. I've heard of revocable trusts and powers of attorney, and I'm trying to understand the difference between them. Specifically, how does having a power of attorney compare to setting up a revocable trust—especially if I were to become incapacitated?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Movement MortgageIRS.gov | 401(k) Plans For Small Businesses (U.S. Department of Labor) | ADPWisdom 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)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.

Many retirees feel the pressure of rising costs and limited income—yet one of their largest assets often sits completely unused: their home equity. For years, reverse mortgages have carried a mixed reputation, but significant reforms have made today’s programs safer, more flexible, and better suited to help retirees navigate financial uncertainty. Harlan Accola and Rob West explain on the next Faith & Finance Live. Then, it’s on to your calls. That’s Faith and Finance Live . . . biblical wisdom for your financial decisions, weekdays at 4pm Eastern/3pm Central on Moody Radio. Faith & Finance Live is a listener supported program on Moody Radio. To join our team of supporters, click here.To support the ministry of FaithFi, click here.To learn more about Rob West, click here.To learn more about Faith & Finance Live, click here.See omnystudio.com/listener for privacy information.

By Adam Turteltaub Neurodiversity tends to be spoken of as an issue to be recognized and, quite often, as a barrier to overcome. Katie Roemer, Vice President, Compliance & Privacy Officer at Alta Hospital Systems see it differently: as an asset to your compliance team. In this podcast she points out that many neurodivergent people excel at pattern recognition and system level thinking, as well as root cause analysis, all of which are of great value to compliance teams. They can also help us to communicate better. Meeting their needs can help with general workforce training. Some examples include: Avoiding densely packed slides with light fonts that are hard to read Breaking the learning up into discreet pieces Previewing what is going to be learned and the length of training Letting the audience know what is the most important part of the training Giving key takeaways and highlighting key points To leverage the neurodiverse fully, she recommends creating a psychologically  safe environment that encourages everyone to speak up without fear of consequences. This enables the expression of a diverse range of ideas from the entire team. Listen in to learn more about the how the neurodivergent can be an asset to your compliance efforts.

Front Run The Week — Free SignalsGet early signals before they hit headlines. Subscribe free — or upgrade for member rewards — at https://tokentrust.substack.comOwning an asset used to be enough. You bought it, held it, and waited. But today's economy doesn't reward spectators — it rewards participants.In this episode, Chip Mahoney breaks down The Stadium Economy: a shift where access, alignment, and positioning matter more than price alone. As crypto, AI, and digital rails reshape markets, most people are watching from the stands while a small group plays on the field.This episode explores:Why passive ownership is no longer the edgeHow infrastructure economies reward early alignment, not late attentionThe growing gap between those who “hold” and those who participateWhy understanding the rails matters more than chasing narrativesIf you've ever wondered why owning the same asset produces wildly different outcomes, this episode explains what's really happening — and what most people are missing.Don't just watch the economy. Own it. Want to go deeper?Start here: Own The Economy — my framework for tracking the Digital Dollar shift, early Signals, and the infrastructure institutions are quietly building.

Si inizia con un'analisi della proposta di utilizzo degli asset russi congelati per sostenere l'Ucraina con l'analisi economica di Alessandro Giraudo, docente all'INSEEC Business School di Parigi. Spazio poi al caso di Mohamed Shahin, l'imam di Torino tornato in libertà. In chiusura, focus sulle proposte di legge in discussione al Senato per contrastare l'ondata di antisemitismo in Italia commentando anche quanto accaduto a Sydney, l'attentato più grave, contro ebrei, avvenuto fuori dai confini di Israele e il più sanguinoso da 30 anni in Australia.

The Day the “Emergency Fund” Met Real Life Rachel here. Many tell us the same story: “I saved the emergency fund, but I'm worried I'm losing ground to inflation and missed opportunities.” https://www.youtube.com/live/T7O8abZDKw8 Because for most people, the “emergency fund” is a lonely pile of cash—stuck in a corner doing next to nothing. It feels safe, until inflation and opportunity cost quietly erode it. Today Bruce and I want to reframe that pile into something far better: emergency fund alternatives that give you liquidity and momentum. What You'll Get From This Guide If you've ever wondered how to stay liquid for the unknown without parking money in low-yield accounts, this is for you. We'll show you how to: Design liquidity that protects your family and keeps compounding intact Think “emergency and opportunity,” not either/or Decide how much liquidity you actually need Compare storage options (banks, brokerage, HELOCs, and emergency fund alternatives like cash value life insurance) Understand policy loans, interest, IRR, and why control and flexibility often beat chasing the “best rate” By the end, you'll have a practical blueprint to keep cash ready for life's surprises—without stalling your long-term growth. The Day the “Emergency Fund” Met Real LifeWhat You'll Get From This Guide1) Why Most People Misunderstand “Emergency Funds”Emergency Fund Alternatives vs. Cash-in-the-Bank2) How Much Liquidity Do You Actually Need?Emergency Fund Alternatives for Real Estate Investors3) Liquidity from Cash-Flowing Assets4) Where to Store Liquidity: A Practical Comparison5) Cash Value as an Emergency–Opportunity FundEmergency Fund Alternatives Using Whole Life Insurance6) “But What About Loan Rates vs. Policy IRR?”7) Real Estate, HELOCs, and Policy Loans—How They Compare8) Early-Year Liquidity & Design Reality9) The Two Big Mindset ShiftsEmergency Fund Alternatives That Keep You in Control10) Implementation Steps You Can Start This WeekWhy This MattersListen In and Go DeeperFAQWhat's the best place to keep an emergency fund?Are whole life policies good emergency fund alternatives?How much liquidity should real estate investors keep?Do whole life policy loans hurt compounding?Policy loan rate vs. policy IRR—what matters most?HELOC or whole life policy loan for emergencies?Book A Strategy Call 1) Why Most People Misunderstand “Emergency Funds” Most picture a rainy-day stash: a fixed dollar amount “just in case.” The problem? That mindset narrows your field of vision to only bad events. You end up over-saving in idle cash, under-preparing for real opportunities, and missing compound growth. The better frame is liquidity for emergencies and opportunities—capital that can pivot quickly, without losing momentum. Emergency Fund Alternatives vs. Cash-in-the-Bank Savings accounts provide easy access but pay little, expose you to inflation, and interrupt compounding when you withdraw. Emergency fund alternatives aim to keep liquidity and let your money continue working. 2) How Much Liquidity Do You Actually Need? Rules of thumb (3–6 months) don't account for your real situation: expenses, income volatility, business ownership, real estate cycles, and your emotional comfort. Bruce and I coach clients to answer three questions: Cash flow cushion: If your income paused, how long until you're back on track? Asset mix & access: Where is your capital now, and how liquid is it (including taxes/penalties)? Personal margin: What amount helps you sleep at night without freezing progress? The right number blends math and emotion. Peace of mind matters because you'll only stick with a plan you believe in. Emergency Fund Alternatives for Real Estate Investors Great operators earmark a percent of rents for vacancies, repairs, and cap-ex—plus a broader, flexible reserve. Emergency fund alternatives make that reserve productive while keeping it accessible. 3) Liquidity from Cash-Flowing Assets One overlooked “emergency fund” is consistent cash flow. If assets deposit $5K–$20K/mo. into your checking account regardless of your job, you may need less static cash. Let the monthly stream cover life's bumps—while your capital base keeps compounding. Cash flow accumulates → periodically deploy to premium (more on that next) Short-term bank buffer exists, but money doesn't linger there You stay positioned for both emergencies and deals 4) Where to Store Liquidity: A Practical Comparison VehicleLiquidityGrowth/DragTaxes on AccessProsConsBank savings/HYSAInstantLow; inflation dragNo capital gains on principalSimplicity, FDICOpportunity cost; interrupts compoundingBrokerage (cash/short-term)High–moderateVariesPossible gains taxesOptional yieldMarket risk; sale can trigger taxesHELOCOn-demand (if open)House appreciates regardlessLoan (not income)Flexible; common for investorsBank approval; can be frozenCash Value Whole Life3–5 days via policy loansUninterrupted compoundingLoan (not income)Control, guarantees, death benefitMust qualify; early-year liquidity is lower Bottom line: Banks are fine for swipe-ready cash. But for meaningful reserves, emergency fund alternatives that preserve compounding and add optionality often fit better. 5) Cash Value as an Emergency–Opportunity Fund This is where Infinite Banking principles shine. Premium dollars build cash value (guaranteed growth + potential dividends) and a rising death benefit. When you need liquidity, you borrow against cash value. Your cash value keeps compounding uninterrupted while the insurer's general fund provides the loan. Result: Capital keeps working; you gain flexibility Mindset: Be both the producer and the banker in your life Governance: Treat loans like a bank would—repay with intention to restore capacity Emergency Fund Alternatives Using Whole Life Insurance Liquidity in days (not months) Access via loan documents—not a bank underwriter If you pass away with a loan outstanding, it's simply deducted from the death benefit; your heirs still receive the net 6) “But What About Loan Rates vs. Policy IRR?” Bruce said it well: I care less about a single rate and more about the system—control, flexibility, and volume of interest over time. IRR reflects long-term, policywide performance. Loan rate is what you pay while capital continues compounding inside the policy. Volume matters: The faster you repay, the less interest volume you pay—at the same rate. Meanwhile, rising death benefits and dividends work in your favor. Chasing the perfect spread can stop you from using a system designed to keep your compounding intact and your options open. 7) Real Estate, HELOCs, and Policy Loans—How They Compare A helpful analogy: a policy loan works like a HELOC on your house—the property can keep appreciating whether a lien exists or not. With cash value, your “property” is the policy: growth continues by contract, and you place a lien to access cash. Differences: Access: Policy loans are paperwork-simple; HELOCs require bank re-approval and can be frozen. Speed: Policies often fund in 3–5 business days; HELOC timing varies. Control: With a policy, you set repayment terms; with banks, they do. For investors, combining a small bank buffer, a HELOC, and cash value creates layers of redundancy—plus uninterrupted compounding. 8) Early-Year Liquidity & Design Reality Honest trade-off: in the first year(s), you won't have access to 100% of premium dollars. That early drag buys you guarantees, long-term compounding, and a growing death benefit. Design matters (base + paid-up additions) and expectations matter. Ask: Do I really need every dollar back in 30 days? Most don't. By years 3–4, well-designed policies are commonly close to dollar-for-dollar access on new premium—and rising. 9) The Two Big Mindset Shifts From Emergency to Emergency–OpportunityStop saving only for the worst. Start storing capital that can respond to anything—repairs, vacancies, investments, giving, tuition, tithing, trips. From Saver to BankerDon't just hold capital; govern it. Design rules. Repay loans. Value your capital at least as much as a bank would. This shifts you from scarcity to stewardship. Emergency Fund Alternatives That Keep You in Control The aim isn't a magic product; it's a governed system that preserves compounding, widens options, and serves your family for decades. 10) Implementation Steps You Can Start This Week Clarify your true liquidity need. Calculate 90–180 days of net cash flow needs, not just expenses. Segment reserves: Keep a thin swipe-ready bank buffer; move the rest to emergency fund alternatives (e.g., cash value). Document loan rules: When you borrow, how will you repay? From what cash flow? On what rhythm? Automate funding: Set recurring transfers to build capital consistently. Review quarterly: Check buffer size, upcoming premiums/PUAs, deal pipeline, and family needs. Think generationally: Policies on multiple family members expand access, diversify insurability, and strengthen your long-term plan. Why This Matters Your “emergency fund” shouldn't be a deadweight expense. With emergency fund alternatives, you can keep liquidity, protect your family, and maintain uninterrupted compounding. Cash-flowing assets provide monthly cushion. Cash value provides controlled access, contractual growth, and a rising death benefit. Together, they create a resilient system that handles storms and seizes sunshine. Listen In and Go Deeper Want the full conversation—including examples, loan mechanics, and our candid takes on rates, IRR, and real-world trade-offs? Listen to the podcast episode on Emergency Fund Alternatives to hear how we actually apply this with clients and in our own families.

In this episode of Take the Stage, presented by Haley Marketing, Brad Bialy sits down with Julie Ann Bittner to unpack the truth about staffing funding: why it's not a weakness, how the right partner fuels growth, and what smart owners must understand before cash gets tight. About the Guest Julie Ann Bittner is the President and CEO of TRICOM, a staffing-industry–specific funding and back-office partner with over 36 years of experience. Known for her high energy and deep industry insight, Julie Ann has spent decades helping staffing owners scale responsibly while navigating volatility, growth cycles, and uncertainty. Key Takeaways Funding is a strategic growth tool, not a sign of weakness. The right partner scales with your business—not against it. Waiting until cash is tight limits your best options. Industry-specific expertise beats generalist solutions. Proactive communication prevents reactive decisions. Timestamps [00:15] – Reframing funding as strength, not weakness [01:40] – Why banks struggle with staffing growth cycles [03:15] – Asset-based lending vs. factoring explained [05:16] – Funding realities for staffing startups [06:07] – Questions every owner must ask lenders [07:51] – The risk of client concentration [09:20] – Why waiting too long costs you options [11:14] – The danger of non-industry lenders [13:38] – Where staffing rebounds next year [16:02] – Industries quietly turning the corner [17:12] – AI's real role in staffing today [23:53] – What true funding partnership looks like About the Host Brad Bialy is a trusted voice and highly sought-after speaker in the staffing and recruiting industry, known for helping firms grow through integrated marketing, sales, and recruiting strategies. With over 13 years at Haley Marketing and a proven track record guiding hundreds of firms, Brad brings deep expertise and a fresh, actionable perspective to every engagement. He's the host of Take the Stage and InSights, two of the staffing industry's leading podcasts with more than 200,000 downloads. Sponsors and Offers Heard Take the Stage is presented by Haley Marketing. The old way of selling staffing is dead. Let's fix it – with smarter strategies and HUGE DISCOUNTS on modern lead gen tools: https://bit.ly/Bialy20 Book a 30-minute business and marketing consultation with host, Brad Bialy: https://bit.ly/Bialy30 This episode is brought to you by MJA & Associates. For over 20 years, they've helped staffing firms save money by securing federal and state tax credits like the Work Opportunity Tax Credit (WOTC). With performance-based pricing, you only pay when you save—no setup costs, just real results. Learn more at https://mja-associates.com      

Most gym owners assume their gym is their retirement plan.That belief is dangerous.In this episode, Scott Carpenter and Andy Boimila break down a hard truth most fitness entrepreneurs avoid:

This week I had the pleasure of having back on the podcast, Autumn Schmidt. So many adjectives I could use to describe her, I'll try to limit it to one, empowering! Autumn has taken her career in law enforcement, passion for martial arts, and her amazing coaching abilities to form, She's An Asset. A women's empowering movement that provides the women of all ages with the skills and mindset necessary to make themselves a "Hard Target". Autumn delivers from a place of first hand experience. Sit back and give our conversation a listen, share it with the women in your life that you want to keep healthy, happy and remaining "Hard Targets".http://www.autumnclifford.com/https://www.linkedin.com/in/autumnclifford/overlay/contact-info/More about Autumn:Most people teach confidence from the neck up.I teach it from the ground up — body, voice, presence, and mindset.I'm Autumn Schmidt — a former police officer turned trauma-informed empowerment trainer, personal safety coach, and speaker. I help women and high-stakes teams build confidence, calm, and leadership that actually shows up in the real world.I founded She's An Asset to teach women how to stop playing small, trust themselves, and move through life like they matter. Our trainings help women access personal leadership, situational awareness, and real tools to navigate stress, boundaries, and safety — without losing their softness, spirit, or truth.I also lead You're An Asset — corporate leadership trainings designed for teams, educators, client-facing industries, and anyone who works under pressure. This isn't a lecture or a slideshow. It's training that activates your people's voice, body language, nervous system, and clarity — so they can lead effectively and feel grounded at work.Private coaching with me is also open to a small number of women who are ready to stop second-guessing and start showing up with powerful clarity — in boardrooms, relationships, and everything in between.Let's talk if you're ready to work together — or if your organization wants to train women and teams to show up differently.www.shesanasset.comautumn@autumnclifford.com Based in Maine | Available NationwideThank you for taking the time to give this podcast a listen. If you would like more information on other Law enforcement Life Coach initiatives, our "Sometimes Heroes Need Help" wellness seminar or our One-On-One life coaching please visit :www.lawenforcementlifecoach.comJohn@lawenforcementlifecoach.comAnd if you would like to watch the interview you can view it in it's entirety on the Law Enforcement Life Coach YouTube Channel : https://studio.youtube.com/channel/UCib6HRqAFO08gAkZQ-B9Ajw/videos/upload?filter=%5B%5D&sort=%7B%22columnType%22%3A%22date%22%2C%22sortOrder%22%3A%22DESCENDING%22%7D

“There's some articles out there that [suggest] once there's losses, there could be a bunch of fire sales of assets ... not true,” says KKR Partner and Global Head of Private Credit Daniel Pietrzak when discussing misunderstandings about private credit markets. “We've got $131 billion of AUM. Almost none of that has any redemption feature.” Pietrzak joins Bloomberg Intelligence's Noel Hebert on the latest episode of Credit Crunch to talk about volatility, continued market growth – especially in asset-based finance – and strategic partnerships like the company's recent deals with Harley-Davidson and PayPal. They also examine global opportunities, how AI factors into lending decisions and the benefits of diversification. The Credit Crunch podcast is part of BI's FICC Focus series.

If you've just made a decision for Christ, please respond HERE: https://www.one.church/jesusTo Support this Ministry: https://www.one.church/giveWebsite: https://www.one.church/One Church Facebook: https://www.facebook.com/onedotchurchOne Church Instagram: https://www.instagram.com/onedotchurchGreg Ford Instagram: https://www.instagram.com/gregoryafordOne Church is on a mission to ignite a movement that reaches adisconnected culture.#onechurch #gregford #purpose

If you've just made a decision for Christ, please respond HERE: https://www.one.church/jesusTo Support this Ministry: https://www.one.church/giveWebsite: https://www.one.church/One Church Facebook: https://www.facebook.com/onedotchurchOne Church Instagram: https://www.instagram.com/onedotchurchGreg Ford Instagram: https://www.instagram.com/gregoryafordOne Church is on a mission to ignite a movement that reaches adisconnected culture.#onechurch #gregford #purpose

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Have you ever felt like enterprise clients were running your agency instead of the other way around? Buried in endless proposals no one reads, forced into rushed timelines, or watching your margins shrink every time a project drags out? Today's featured guest opens up about how he broke out of that exhausting cycle. Instead of over-delivering just to keep big clients happy, and seeing little return, he made the bold decision to focus on smaller, more committed clients who were ultimately more profitable and easier to build long-term relationships with. He'll share what he learned about sustainable growth, including why productizing your services sounds great in theory but can actually become counterproductive when it only happens externally. He'll also explain the sales shift that changed everything: offering a low-risk, "foot-in-the-door" engagement that qualifies prospects, builds trust, and creates a smooth path into deeper service offerings. Charlie Clark is the founder of Minty Digital, a boutique SEO agency focused on travel and lifestyle brands that originally launched in Barcelona and now operates from London. In this conversation, he'll break down the mindset, systems, and strategy needed to stop chasing validation from big brands and instead build a business where profitability, alignment, and respect come first. In this episode, we'll discuss: Why mid-market clients deliver higher profits than enterprise. How internal productization increases efficiency by 3X. How clear pricing transforms the sales cycle. How AI forced a new level of adaptability in SEO agencies. 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 Struggling Freelancer to Sustainable Agency Growth After a short stint in an agency at age 22, Charlie tried to go solo before realizing he didn't yet know how to grow a business. He assumed he could do it on his own and quickly learned he wasn't ready yet. Instead of quitting, he got a job as a Digital Marketing Manager, where he could make mistakes, learn operations, and understand what actually works inside a business. Moving to Barcelona created the perfect environment for momentum. His one-month stay turned into ten years after he landed several clients within weeks. His first retainer was €500 a month, which he laughs about now, but he admits it took years before he learned how to price correctly and move away from low-margin retainers. Those early years were full of trial and error, but the big breakthrough was realizing that charging more wasn't always the key to profit. Charging smarter was. Real Profit Lives in the Middle, Not the Top One of the strongest lessons Charlie learned was that bigger retainers did not equal bigger profit. Working with enterprise clients, he saw they could easily squeeze margins, the team would end up over-delivering, and on top of it all, payment terms were a nightmare. After years, he realized these clients often cost the agency money when the team over-delivered just to keep them happy. By contrast, the clients who had been with him since the early days, the ones paying between three and six thousand per month, were the most profitable and the most loyal. They bought the same deliverables. They stayed for years. And they matched the agency's internal processes beautifully. Once he realized this, he moved to intentionally pursuing that sweet spot. Not the five figure monthly retainers or the cut rate ones. The predictable, operationally aligned middle where the team can deliver consistently and profitably. For Charlie, this changed everything from sales cycle speed to team alignment to lifetime value. Internal Productization: The System that 3X Efficiency Many agencies think productization means selling rigid packages that make you look less strategic. Charlie took the opposite approach. Internally, his team adopted highly productized systems, templates, and SOPs. They knew exactly what to do for a three thousand dollar client versus a six thousand dollar one, and how much effort each one required. Externally, the offer still looked consultative and customized. Clients saw a broad range of what could be included, but the delivery stayed tight behind the scenes. This improved profitability, gave the team clarity, and dramatically sped up onboarding. The biggest win? It eliminated the "start from scratch every time" problem that slows agencies down and kills margins. How Clear Pricing Transforms the Sales Cycle Before productization, Charlie would spend hours on proposals that often got ghosted. Once he added transparent pricing, clear expectations, and prequalification to the website, the right clients were self-selecting before the call even happened. By the time he spoke with them, they understood the price and the structure. Now he closes clients on the call or even through a single WhatsApp message. This is the power of clarity. It shortens cycles, reduces friction, and saves enormous amounts of time for a lean team. However, transparent pricing attracts budget mismatches, so Jason recommends removing pricing from agency's websites and switching to triage calls and the Foot-In-The-Door model. At the end of the day, there are a thousand ways to create a better sales process. What matters is that it filters, qualifies, and positions you as the advisor. Why a Paid Discovery Offer Builds Trust and Prevents Ghosting Both Charlie and Jason agree that a small, paid upfront engagement solves the biggest challenge in agency sales. Trust. SEO agencies in particular fight an uphill battle here. The barrier to entry is low. There are thousands of one-person shops. Many prospects have been burned before. A small paid engagement builds confidence, shows value quickly, and prevents ghosting. The Foot-in-the-Door offer should be simple, done live with the client, and designed to build the relationship. Not overloaded with deliverables that overwhelm the client and make them feel uneducated. When done right, it leads naturally into a larger project and then a retainer. Charlie's Kickstart product functions the same way. For eight hundred dollars, clients get quick wins and clarity. It works because it gives prospects a safe way to test the relationship and because it positions the agency as a trusted advisor instead of a vendor chasing a proposal. How AI Forced a New Level of Adaptability in SEO Agencies Charlie admitted that two years ago he felt bored with SEO. Then AI exploded. Search interfaces changed. Clicks shifted. And suddenly the industry was moving faster than ever. For many agencies, this uncertainty created fear. For Charlie, it sparked energy. He leaned back in, started speaking at events, ran experiments on AI search, and brought a fresh curiosity back to himself and his team. He described the past year as a sink-or-swim moment for agencies. The ones who coasted struggled. The ones who adapted thrived. Lean teams with solid systems could move faster and deliver more value. In his words, being nimble is now a competitive advantage. Figuring out AI reignited his passion in the business but it was far too much to tackle alone. This is why agency owners should have a community to lean on to try to figure out changes in the industry. Your network will determine your speed of growth. Agency owners who surround themselves with peers sharing what works and what fails will survive the next wave of industry change. The ones who go alone will struggle. 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

In The Land Trap (Portfolio / Penguin), Mike Bird—Wall Street editor at The Economist—reveals how this ancient asset still exerts outsize influence over the modern world. From the speculative land grabs of colonial America to China's real estate crisis today, Bird shows how fortunes are built—and destroyed—on the bedrock of land. Tracing three centuries of history, Bird explores how land quietly became the linchpin of the global banking system, driving everything from soaring housing prices to rising geopolitical tensions. As governments wrestle with inequality and land grows ever scarcer, The Land Trap offers a powerful new framework for understanding the hidden force behind today's most urgent challenges. This is the book for anyone who wants to see beyond markets and money to the real game being played on a foundation as old as civilization itself. Timely, provocative, and essential, The Land Trap will change how you see the ground beneath your feet. Reed Schwartz (@reedschwartzsf) holds an MPhil in Intellectual History from the University of Cambridge. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

In The Land Trap (Portfolio / Penguin), Mike Bird—Wall Street editor at The Economist—reveals how this ancient asset still exerts outsize influence over the modern world. From the speculative land grabs of colonial America to China's real estate crisis today, Bird shows how fortunes are built—and destroyed—on the bedrock of land. Tracing three centuries of history, Bird explores how land quietly became the linchpin of the global banking system, driving everything from soaring housing prices to rising geopolitical tensions. As governments wrestle with inequality and land grows ever scarcer, The Land Trap offers a powerful new framework for understanding the hidden force behind today's most urgent challenges. This is the book for anyone who wants to see beyond markets and money to the real game being played on a foundation as old as civilization itself. Timely, provocative, and essential, The Land Trap will change how you see the ground beneath your feet. Reed Schwartz (@reedschwartzsf) holds an MPhil in Intellectual History from the University of Cambridge. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/history

In The Land Trap (Portfolio / Penguin), Mike Bird—Wall Street editor at The Economist—reveals how this ancient asset still exerts outsize influence over the modern world. From the speculative land grabs of colonial America to China's real estate crisis today, Bird shows how fortunes are built—and destroyed—on the bedrock of land. Tracing three centuries of history, Bird explores how land quietly became the linchpin of the global banking system, driving everything from soaring housing prices to rising geopolitical tensions. As governments wrestle with inequality and land grows ever scarcer, The Land Trap offers a powerful new framework for understanding the hidden force behind today's most urgent challenges. This is the book for anyone who wants to see beyond markets and money to the real game being played on a foundation as old as civilization itself. Timely, provocative, and essential, The Land Trap will change how you see the ground beneath your feet. Reed Schwartz (@reedschwartzsf) holds an MPhil in Intellectual History from the University of Cambridge. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/intellectual-history

Are Roth conversions only worth it in the 10% or 12% tax bracket? Not always. In this episode of Wise Money, we explain when Roth conversions in the 22% or 24% tax bracket can make sense and when they don't. We cover estate planning considerations, market downturn opportunities, retirement tax "windows", and whether a seven-figure portfolio can still stay in a lower tax bracket. Season 11, Episode 17 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/_7FbhYGiW98  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 is all about precious metals momentum, and the why behind it. Brien Lundin argues we're watching the classic bull-market baton pass...

Blockchain currency unfurls here like a hidden root system, threading through the cracks of the old order with a quiet, stubborn intelligence. Brandon Quittem walks us into that underground, where mycelial networks and decentralized ledgers start to align in unexpected ways. In his telling, money is something that grows, adapts, and remembers, shaped by the hands and hopes of the people who hold it. Ultimately, the boundary between ecology and economy feels thin enough to step through.Part 1: https://youtu.be/CG7msC0Rv5MPATREON https://www.patreon.com/c/demystifysciPARADIGM DRIFThttps://demystifysci.com/paradigm-drift-showHOMEBREW MUSIC - Check out our new album!Hard Copies (Vinyl): FREE SHIPPING https://demystifysci-shop.fourthwall.com/products/vinyl-lp-secretary-of-nature-everything-is-so-good-hereStreaming:https://secretaryofnature.bandcamp.com/album/everything-is-so-good-here00:00 Go! 00:03:53 Why Can't I Spend Bitcoin at the Grocery Store?00:10:03 Bitcoin in Developing Nations vs. The West00:13:26 The "Criminal Use" Argument & Drug Laws00:15:56 Anonymity, Scams, and Lack of Recourse00:20:20 Exchange Risks & Custody (Not Your Keys, Not Your Coins)00:22:50 How to Start: "Get Off Zero" & Multisig Security00:26:18 The $800 Million Hard Drive in a Landfill00:28:22 Bitcoin vs. "Shitcoins" & Altcoins00:29:13 Handling Volatility & Dollar Cost Averaging00:32:27 Why Bitcoin is Unique: Outsourcing Trust to Math00:35:21 Is Bitcoin Just a "Faith-Based" Asset?00:40:49 Why Are Bitcoiners So Intense? (The Evangelism Problem)00:45:10 How Brandon Manages His Personal Finances00:49:40 Introduction to the Mycelium Analogy00:54:38 Fungi 101: Mycelial Networks & Tree Communication01:05:04 Ancient Human Use of Fungi (Ötzi the Iceman)01:07:56 The Beer Theory of Civilization01:10:46 Slime Molds & Decentralized Decision Making01:14:34 Bitcoin's Anti-Fragility & "Immune System"01:16:12 Monocrops (Fiat) vs. Old Growth Forests (Bitcoin)01:24:01 Is Bitcoin a Living Organism? ("Bits Move Atoms")01:35:15 Consilience: When Multiple Disciplines Agree01:39:03 Crowd Health & Alternative Systems01:41:03 The Social Impact of a Bitcoin Standard01:43:13 Closing Thoughts & Future Episodes #mycology #cryptocurrency , #blockchaintechnology , #decentralization , #economics , #futureofmoney , #digitalcurrency , #physicspodcast #philosophypodcast MERCH: Rock some DemystifySci gear : https://demystifysci-shop.fourthwall.com/AMAZON: Do your shopping through this link: https://amzn.to/3YyoT98DONATE: https://bit.ly/3wkPqaDSUBSTACK: https://substack.com/@UCqV4_7i9h1_V7hY48eZZSLw@demystifysci RSS: https://anchor.fm/s/2be66934/podcast/rssMAILING LIST: https://bit.ly/3v3kz2S SOCIAL: - Discord: https://discord.gg/MJzKT8CQub- Facebook: https://www.facebook.com/groups/DemystifySci- Instagram: https://www.instagram.com/DemystifySci/- Twitter: https://twitter.com/DemystifySciMUSIC: -Shilo Delay: https://g.co/kgs/oty671

As banks retreated from 2008, Private Credit filled in the gap. What started as a niche within private equity now operates like a global lending system. And it extends beyond corporate balance sheets, asset-based finance, the ability to lend against real, cash-generating assets is growing fast and offers countless opportunities. The real unlock isn't just capital — it's the data and technology allowing to manage these assets at scale.Granular, asset-level data enables better underwriting, continuous monitoring, and access to previously illiquid markets. In my conversation with Cesar Estrada, we explored:* How private credit replaced traditional bank lending* Why asset-backed finance is now being unleashed* How to understand the fall of Tricolor and First Brands* And how data and technology could be defining the winners in this marketA few highlights from our conversationAsset-based finance - an ever-expanding universe Asset-based finance means that instead of lending against the future cash flows of a company, you're lending against an asset and the contractual cash flows associated with that asset. That's a very broad definition, and it can include anything within, the consumer, finance world, buy now, pay later, credit cards, auto loans, student loans, any personal term loans, residential mortgages, home, equity lines of credit, the list, keeps on going on as you move outside of a consumer world into, other types of things.Any type of account receivable, supply chain financing, litigation finance, and then more esoteric stuff like, synthetic risk transfers and other things. And it's becoming very specialized by verticals: aviation finance, medical equipment finance…It has possibly a larger addressable market than direct lending. It offers a lot of runway for growth for private equity, private credit firms, hedge funds, and insurance companies participating directly in this space.The need for data feeds From a risk management perspective, given the rate of change of a consumer world, loans are being paid, new loans are being issued, loans are being not paid. You want to be monitoring this much much more real time than you do in a corporate book, where you're getting monthly reporting from the borrower and you are comparing their latest actual financials against the original underwriting thesis against prior periods. And you do that activity once a month.This is not a once-a-month thing. This is a daily thing. You want to see how it's changing because it's changing very dynamically.I was surprised that this frequency of data was even a possibility, and Cesar also added that it goes beyond risk management; it also feeds into the creation of funds for private investors with daily NAV and daily liquidity. The frequency of reporting increases, the liquidity choices increase, and the volumes and rate of change in the investment strategies increase. That all compounds to necessitate a very robust, modern technology to process all of that data.The First Brands & Tricolor questionCesar mentioned he didn't have any specifics on the situation, and when I asked about the data issue, his response from a data management provider was to be expected.It is certainly possible that better data with more accuracy and more frequency could have helped offer a view that those assets were being used as collateral with multiple lenders. […]But I wanted to dig a bit further, and at first, the response confirmed that when a crisis happens, all assets that are linked to it fall at the same time, even if in the long term, there's dispersion (like banks during the Global Financial crisis)In terms of how it happened so quickly, so abruptly. Again, pure speculation, I think that those things might have been bubbling without the public knowing for a while. But as soon as a big source of financing decides that you're no longer creditworthy, all of the other sources of financing follow suit, and it's very abrupt. You can face a liquidity challenge and go bankrupt.It reminded me that Apollo Global Management shorted First Brands' credit risk before the company's fall, showing the information asymmetry that still exists in private credit. This requires a few caveats: First Brands was more direct lending; Tricolor was more linked to asset-based finance; nothing says that Apollo had better data. Yet, until the data-based approach that Cesar described becomes table stakes, it could be an important differentiator.Related episode:About Cesar Estrada:Cesar oversees Arcesium's investment operations, accounting, and data management solutions for private markets fund managers and institutional investors. Previously, he served as Senior Managing Director and Alternatives Segment Head for North America at State Street – a role in which he drove the growth agenda for a business with approximately $1 trillion in Assets Under Administration (AUA) by leading new product launches, expansion into new client segments, strategic partnerships, and acquisitions. Prior to that, as a Managing Director at J.P. Morgan, Cesar led the Private Equity & Real Estate Funds Services business from launch to $350Bn AUA. While at J.P. Morgan, he also held investment banking roles in New York, London, and Hong Kong.Link: https://www.arcesium.com/authors/cesar-estradaAbout the Investlogy podcast:Investology is a podcast dedicated to rethinking investment management and uncovering new ways to deliver better outcomes for investors.Listen on every podcast platform, or watch on YouTube.An episode produced by Orama:Accelerate sales to the financial industry with content that builds trust and drives pipeline with sales-driven video strategies.About the Host:George Aliferis, CAIA is the founder of Orama, where he has produced content for financial brands and multinationals including Amazon, Expedia, Louis Vuitton, and Unilever. Before that, he spent over a decade structuring, marketing and selling complex financial products to institutional clients in Europe and Asia.LinkedIn: https://www.linkedin.com/in/george-aliferis-60078312/My Investing & Investment Management YouTube Channels* Investorama - Separating Investment Facts from Financial Fiction (YouTube)* Investology - Re-Think Investment Management (YouTube) This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit investorama.substack.com

How do you drive freight theft down to nearly zero, and what would your business look like if you could finally stop chameleon carriers, double-brokering, and fraud before it hits your dock? Let's hear it from our returning guest today, Ryan Joyce from GenLogs! Ryan returns to the show to dig into how combining physical asset tracking with strong digital vetting is cutting freight theft for their customers, how chameleon carriers hide behind multiple DOT numbers, why selling motor carrier numbers is fueling fraud, and how GenLogs' new compliance suite is bringing real-time alerts straight into your TMS to flag suspicious carrier behavior before you book the load. We also touch on the national security risks behind unvetted drivers, how ELD manipulation and AI-driven deception make digital vetting harder than ever, and why brokers need to get back to actually talking to carriers to verify legitimacy. This episode breaks it all down in a no-nonsense way, so implement these practical, straightforward steps to reduce fraud, improve compliance, and strengthen your supply chain!   Connect with Ryan Website: https://www.genlogs.io/  LinkedIn: https://www.linkedin.com/company/genlogs/ / https://www.linkedin.com/in/ryanjoyce-/  

00:00 Intro 04:59 Asset finanziari russi congelati 18:49 Creazione di lavoro attraverso la burocrazia 36:21 Guida autonoma bi-partisan 49:06 Ve lo racconta l'imprenditore Learn more about your ad choices. Visit megaphone.fm/adchoices

Marty sits down with Ryan Gentry to discuss his new $220 million SPAC aimed at taking Bitcoin operating companies public, the five-year evolution of the Lightning Network from single-digit millions to $10 billion in annual volume, and why Bitcoin businesses are finally mature enough to compete in public markets. Ryan on Twitter: https://x.com/RyanTheGentry STACK SATS hat: https://tftcmerch.io/ Our newsletter: https://www.tftc.io/bitcoin-brief/ TFTC Elite (Ad-free & Discord): https://www.tftc.io/#/portal/signup/ Discord: https://discord.gg/VJ2dABShBz Opportunity Cost Extension: https://www.opportunitycost.app/ Shoutout to our sponsors: Bitkey https://bit.ly/TFTCBitkey20 Unchained https://unchained.com/tftc/ Obscura https://obscura.net/ SLNT https://slnt.com/tftc CrowdHealth https://www.joincrowdhealth.com/tftc Salt of the Earth: https://drinksote.com/tftc Join the TFTC Movement: Main YT Channel https://www.youtube.com/c/TFTC21/videos Clips YT Channel https://www.youtube.com/channel/UCUQcW3jxfQfEUS8kqR5pJtQ Website https://tftc.io/ Newsletter tftc.io/bitcoin-brief/ Twitter https://twitter.com/tftc21 Instagram https://www.instagram.com/tftc.io/ Nostr https://primal.net/tftc Follow Marty Bent: Twitter https://twitter.com/martybent Nostr https://primal.net/martybent Newsletter https://tftc.io/martys-bent/ Podcast https://www.tftc.io/tag/podcasts/

Shauna VanderHoek, founder of Ask Shauna, who helps entrepreneurs, small business owners, and coaches turn their expertise into powerful nonfiction books that open doors to more visibility, speaking opportunities, and clients.Through her signature FastStart Method, along with editing, publishing, and launch support, Shauna guides mission-driven business owners from fuzzy book ideas to polished assets that grow their authority and their business.Now, Shauna's own journey of leaving her role as a software project manager while navigating health challenges demonstrates what's possible when you choose courage, clarity, and creativity all at once.And while she's building a business that combines her passions for writing, visualization, and helping others succeed, she's also creating a community of authors who see their books not just as publications but as business-building tools.Here's where to find more:Website: Ask Shauna - https://www.askshauna.comYouTube: AskShauna - https://www.youtube.com/@askshaunaLinkedIn Profile: https://www.linkedin.com/in/shaunavanderhoekLinkedIn Business Page: https://www.linkedin.com/company/taylor-bos-booksFacebook Page: Ask Shauna - https://www.facebook.com/askShauna________________________________________________Welcome to The Unforget Yourself Show where we use the power of woo and the proof of science to help you identify your blind spots, and get over your own bullshit so that you can do the fucking thing you ACTUALLY want to do!We're Mark and Katie, the founders of Unforget Yourself and the creators of the Unforget Yourself System and on this podcast, we're here to share REAL conversations about what goes on inside the heart and minds of those brave and crazy enough to start their own business. From the accidental entrepreneur to the laser-focused CEO, we find out how they got to where they are today, not by hearing the go-to story of their success, but talking about how we all have our own BS to deal with and it's through facing ourselves that we find a way to do the fucking thing.Along the way, we hope to show you that YOU are the most important asset in your business (and your life - duh!). Being a business owner is tough! With vulnerability and humor, we get to the real story behind their success and show you that you're not alone._____________________Find all our links to all the things like the socials, how to work with us and how to apply to be on the podcast here: https://linktr.ee/unforgetyourself

Bueno Bueno Podmas Day 10, An episode everyday for 25 days! Follow Ferrny!https://www.instagram.com/only.ferny?igsh=OGQ5ZDc2ODk2ZA%3D%3D&utm_source=qr Buy The Bueno Coffee Hoodie here!https://www.inlandentertainment.com/product-page/bueno-coffee-hoodie More Content On Patreon!patreon.com/buenobueno Call Us To Be On The Show!https://docs.google.com/forms/d/e/1FAIpQLSdV8WNMg69TLL4nYttVh_mKAoLRYzRtnCT226InJqh3ixQR5g/viewform Want to send us a gift?PO BOX 311145Fontana, Ca 92331 Follow Us!https://linktr.ee/buenobuenopdc Saul V GomezInstagram -  https://www.instagram.com/saulvgomez/Twitter - https://twitter.com/Saulvgomez_Tik Tok - https://www.tiktok.com/@saulvgomez Hans EsquivelInstagram - https://www.instagram.com/hans_esquivel/Tik Tok - https://www.tiktok.com/@hanss444 RexxInstagram - https://www.instagram.com/rexxb/Twitter - https://twitter.com/rexxgodbTik Tok - https://www.tiktok.com/@rexx.b1 Bueno Bueno EP. 16900:00 – Intro00:14 – Welcoming Fernie Back01:08 – We were almost arrested08:55 – Why Fernie Almost Got Shot in Texas12:19 – No Plan B: Betting on Yourself16:07 – Law of Attraction26:01 – Hard Work vs. Luck Debate33:01 – The Psychology of Clips36:47 – Working Since 16 & Feeling Behind37:26 – Bible Verse of the Day38:27 – Fear Disguised as Responsibility39:04 – Why Moving Far Forces You to Grow40:22 – Houston Party Recap42:22 – Liability vs. Asset in Your Circle43:34 – Loving the Grind Even When It Hurts45:14 – Seeing Your Work Through Someone Else's Eyes46:29 – The Struggle Is the Best Part

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Why do clients keep asking for deliverables they don't actually need? How to get them to focus on the outcome instead of the task list? Every agency owner has had clients show up asking for a website, SEO, or a million social posts, when what they actually need is something much deeper: more leads, more profit, more time back, and a business they're proud of again. Today's featured guest broke down how he built an 11-year-old shop that delivers exactly that. We dig into why small businesses really hire agencies, why "selling SEO" is a trap, and how simplifying complex work can make your agency more profitable, more trusted, and a hell of a lot easier to run. Nico Biggi, Founder of The Gorilla Agency a full-service Oregon digital agency that helps small businesses achieve their marketing goals. After applying to 31 agencies and hearing absolutely nothing back, he decided if no one would hire him, he'd simply build the place he wished existed. Eleven years later, his agency helps small businesses fall in love with their companies again by delivering marketing that feels personal, purposeful, and rooted in truth—not hype. In this interview, we'll discuss: Why clients don't want SEO and what small business are really buying. How radical simplicity makes agencies more profitable. Walking away from big clients to make your agency stronger. How AI is changing client expectations. 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 Clients Don't Actually Want SEO (And What They're Really Buying from Agencies) Nico knows why his clients first reach out and he understands that, in reality, no one wants SEO. No one wants a website. No one wants a content calendar. What they want is for their phone to ring. They want predictable revenue and to stop feeling behind. Basically, they want a business that finally looks and performs the way they imagined when they started it. Hence, when Nico sits with a new client, he doesn't take their request at face value. He keeps pulling the thread: Why do you want that? What are you really trying to fix? What's happening behind the scenes that made you reach out today? By the time he gets to the core problem, the tactical service almost never matches the thing they originally asked for. And that's where trust is built—showing clients the real path to their desired outcome, not the task list they think they need. As he puts it: Services are the toolkit. Outcomes are the reason you pick up the tools. How Radical Simplicity Makes Agencies More Profitable and Improves Client Trust During client meetings, Nico strives to strip away the complexity agencies tend to hide behind. Clients don't want a masterclass in keyword density or a dissertation-length PDF they'll never read. They want clarity. To him, the best operators and the best salespeople think like teachers. Teachers take complicated ideas and make them accessible. They speak in a way a fifth grader can understand, because simplicity builds confidence, and confidence builds buy-in. Inside his own agency, this shows up in the way he trains his team. No silos. No "not my job." Everyone learns how every part of the system works, from content, SEO, design, dev, and strategy. That shared understanding creates respect, efficiency, and a culture where no one feels like they're building in the dark. Everyone in his team is taught that no one is above anyone and they're all running the machine together. It's a mindset that creates accountability among the team and helps the client understand exactly what they're paying for. Why Saying No to Big Clients Can Make Your Agency Stronger Every agency owner has a moment where the "big" client forces them to rethink everything. For Nico, it was early on, when a client offered him more money than he even asked for ($10k a month) and three months later, he fired the client. On paper, it was a dream account. In practice, it drained the team, misaligned with their process, and became the catalyst for rebuilding the agency from the ground up. He spent two years refining every process—on-page and off-page SEO, content creation, design systems, communication workflows—all centered around one thing: making sure clients always know where their money is going and how it's working. Most agencies duct-tape their operations when things get messy instead of rebuilding the underlying, broken system. Nico rebuilt his foundation truly believing that all business owners need is for someone to create systems, truly listen to them, and help them articulate what they do for their clients. Authenticity Converts (And Your Clients Need Your Help to Show It) Nico's wife unknowingly became the perfect case study for modern buyer behavior. Before choosing anything (restaurants, local services, events) she checks: Reviews Menus FAQs Photos Location Details User experience Credibility That's what most customers are doing, and the standard Nico sets for his clients. He wants to work with businesses that engage with clients and answer their questions, show their work with real photos, tell compelling stories, show proof, have a clean, intuitive website. If it doesn't pass what Nico calls "the wife test" — if a business doesn't have clear answers, real photos, social proof, strong UX, and transparent information — it doesn't ship. And the same goes for exclusivity: Nico refuses to work with two companies in the same industry and service area. He wants to make one the best, not compete against himself for small wins. How AI Is Changing Client Expectations and Why It Won't Replace Agencies Nico sees AI from both angles: the opportunity and the threat. On one hand, AI makes clients think everything should be instant and $500. He's already had clients send him AI-generated instructions like they're firing off tasks to a robot. The danger isn't AI itself but rather clients misunderstanding what real strategy, design, content, and user experience actually require. But the other side is where he sees massive upside. AI removes the repetitive, thankless tasks that bog agencies down. It gives teams more room to think, solve, and create. It lets agencies deliver more value, not less, if they use it correctly. AI doesn't replace strategy and, more importantly, it doesn't replace the human connection that actually closes deals. Your network is your edge. Tools evolve but human trust, real expertise, and the ability to guide clients through complexity—that doesn't. 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.