Podcasts about Asset

Mike Bird, the Wall Street editor of The Economist, joins Cardiff to discuss his new book, The Land Trap: A New History of the World's Oldest Asset.By one estimate, the value of land makes up roughly a third of all the wealth in the entire world. Add the houses and commercial buildings on top of the land and the total value is almost two-thirds. And according to Mike, land “defies some of the usual laws of capitalism that apply to other goods and assets.” Its supply is fixed, it is immobile, and it neither decays nor depreciates. These special qualities have given land its fascinating history. They're also the reason that so many economies end up in what Mike refers to as the land trap.Mike and Cardiff discuss: The definition of a land trapWhy booming land values are a problem while they're rising and not just because they often set the stage for a bustHow land affects older, established companies differently than newer, innovative businesses — and why that matters for the economy The perverse incentives that rising land values can have on a nation's economyThe land histories of America, China, Hong Kong, Japan, and Singapore Land reform and the development of low-income countries The lessons of Singapore And more! Related links: The Land Trap, A New History of the World's Oldest AssetHousing booms, reallocation and productivity, by Sebastian Doerr, BIS Hosted on Acast. See acast.com/privacy for more information.

Is money an asset or liability to your marriage? It depends on your attitude toward money. If you look to money for the things that money can buy to make you happy, then money will be a source of conflict in your marriage.Donate to Moody Radio: http://moodyradio.org/donateto/lovelanguageminuteSee omnystudio.com/listener for privacy information.

Don and Tom open with the investor mistakes Christine Benz highlighted in Morningstar: portfolio sprawl, concentration in the same large-cap tech names, clinging to ancient active funds, ignoring reallocations, and failing at both asset allocation and asset location. The show then shifts into calls—first about fears of an “AI crash,” then a heartbreaking case of an 80-year-old widow stuck in an expensive, incoherent Schwab-built portfolio, which Don dismantles live. Later, Roth conversion strategy, smishing scams, and a closing riff on Bitcoin's extreme volatility versus gold. A packed episode on how bad habits, high fees, and fear derail investors—and how a simple, globally diversified plan avoids most of it. 0:04 Intro and Christine Benz's list of common portfolio mistakes 0:56 Portfolio sprawl and “hodgepodge-itis” 1:32 Overloaded baskets of large-cap tech stocks 2:52 The 31-year-old underperforming fund problem 3:54 Active vs. passive: the shift the industry still hasn't admitted 4:03 Asset allocation errors driven by ignoring the plan 4:51 Why rebalancing matters (and why people never do it) 5:40 Asset location mistakes and why taxes demand a smarter structure 6:15 Why these errors are easy to fix with a simple plan 7:58 Don solo; open phones 8:23 Caller: Fear of an “AI crash” and whether it can tank the market 11:16 Building a portfolio that can withstand any crash 13:01 International ballast and why planning matters more than predictions 14:27 Don solo again; open phones 15:17 Smishing scams and the rise of SMS-based fraud 16:13 How cheap scam-software makes fraud explode 17:08 Caller: 80-year-old widow with an awful Schwab portfolio 18:27 Don investigates the tickers—high fees, obscure funds, bad structure 19:57 Schwab dropped her; Don: “This advisor should be fired” 21:07 Why the portfolio lost money and what those numbers really mean 22:26 Active funds, high turnover, and tax drag 24:01 Don's verdict: unload the mess and move to simple, low-cost indexing 25:01 Why a target-date fund may be the cleanest fix 26:33 Take the risk quiz; why advisors should be boring 27:00 Don vents about industry incompetence and fee-only failures 28:23 Why advisors chase “exciting” instead of sound 30:02 Caller: Roth conversion when 70% of assets are in traditional IRAs 31:25 Why conversion benefits are minor but sometimes worthwhile 32:33 Strategy: convert up to top of the 24% bracket 33:19 Wrap-up and call for last questions 34:56 Gold vs. Bitcoin: which is actually stable? 36:09 Why Bitcoin's volatility makes it a terrible “currency” Learn more about your ad choices. Visit megaphone.fm/adchoices

Dr Boyce Watkins speaks about black children being a huge financial asset.

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Is your agency growing fast but still running without the right structure or leadership team to sustain that growth? If too many people are reporting directly to you, it's a clear sign you've outgrown your current setup. But building that next layer of leadership isn't as simple as promoting your top performers. Without a clear strategy, those well-intentioned promotions can backfire, causing confusion, turnover, and setbacks that stall your agency's momentum. Today's featured guest learned that lesson firsthand. After experiencing a year of costly turnover caused by the wrong management moves, he came away with a better understanding of what real leadership development looks like. In this episode, he'll share what it takes to scale beyond seven figures, the mistakes that nearly derailed his agency's growth, and the key shifts that helped him build a stronger, more sustainable business. Brandon Rost is the founder and CEO of be Marketing, a Pennsylvania-based advertising agency that helps brands grow through creative, digital, and media strategies. Over the past decade and a half, Brandon has built his agency from a solo operation into a multi-million-dollar powerhouse by focusing on relationships, resourcefulness, and relentless problem-solving. He's proof that you don't need to have all the answers when you start, just the willingness to figure it out along the way. In this episode, we'll discuss: How to reinvest profits strategically to scale your agency sustainably. Why promoting top performers doesn't already create effective leaders. The KPI's and systems that improved profit and cash flow. The mindset shift that turns fast growth into longterm success. 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 Being Resourceful Is the Key to Building an Agency Brandon didn't plan on running an agency. At the time, he was managing social media for a corporate job and bartending on the side when a PR firm owner offered him a shot at managing her clients' social accounts. What started as ten small accounts quickly snowballed into a full-time business. Like most early-stage entrepreneurs, he had no idea what he was doing at first. He sent invoices in Word documents, figured out HR and finance on the fly, and said "yes" to every opportunity—then learned how to deliver later. It wasn't glamorous, but it worked. That resourcefulness became his superpower. As anyone who has grown a business can tell you, success comes from resourcefulness - not knowing everything. You don't have to know everything right now. Just figure it out and make it work. Scaling Up: Investing Every Dollar Back In the Agency For the first few years, Brandon kept bartending to cover his bills and put every dollar the agency made back into growth. That discipline gave him the runway to build a real company without debt or short-term panic. He hired his first part-time employee within a year, went full-time around year two, and hit seven figures by year four in 2014. However, crossing the million-dollar mark didn't come with confetti and fireworks. It came with more responsibility, more moving parts, and a steeper learning curve. "Everyone thinks hitting a million feels different," Brandon said. "It doesn't. It just brings on more work." Instead of waiting for that milestone to magically change things, focus on building the right foundation so the business can continue to grow without you doing everything. Make it a point to continue to delegate part of that workload every quarter, and after a couple of years, you'll find you've gotten your freedom back. Learning to Lead and Let Go: Building a Leadership Team Brandon learned the hard way that leading people requires a completely different skill set than landing clients. As the agency grew, he at one point had seventeen people reporting to him and eventually realized it just wasn't sustainable. It was the right moment to create different positions that would oversee different departments. However, his strategy was flawed at first; "We elevated people just to elevate them," he said. "And it set us back a year." He never stopped to ask whether or not those employees were ready or even suited for management roles. As a result, they dealt with a year of turnover followed by slowly getting back on track. The lesson for Brandon was: put the right people in the right seats, and don't assume your best technician wants to—or should—manage others. Leadership isn't a promotion; it's a whole new role. Knowing Your Numbers and Turning Chaos Into Profitability Once the business hit its stride, Brandon turned his focus to profitability. He shared how the agency once got caught in a dangerous cash flow loop of collecting Google ad payments for clients and effectively becoming a bank instead of a marketing firm. After untangling that, his team started tracking key KPIs more closely: AGI (Agency Gross Income) in the 55–60% range Net profit around 10–12% Payroll around 33% of AGI By simplifying operations and separating client media costs from agency revenue, they stabilized cash flow and built a healthier margin. Simply put, what you measure improves and, for Brandon, that meant finally treating the numbers as a steering wheel instead of a rearview mirror. Sales: The Last Most Agency Owners Are Ready to Hang Up Even after 15 years, Brandon still handles most of the sales himself. It's something he admits he should've delegated earlier, but building a sales team isn't as easy as hiring a "radio guy" and hoping they sell. After two failed attempts, Brandon realized the problem wasn't the salespeople but rather the lack of systems. Now, the new plan is to support the team with brand marketing, create a "sales tackle box" full of proven client stories, and build repeatable processes for outreach, follow-up, and closing. You'll always be the best salesperson until you document what's in your head. With the right structure and stories in place, a sales team can finally scale what made the founder successful in the first place. What Scaling Fast Taught Him About Patience and Culture Looking back, Brandon said the biggest surprise was how much patience real growth takes—and how easy it is to lose sight of culture while scaling fast. Whether it was figuring out HR policies, managing team dynamics, or setting boundaries for office events, every new level came with a new layer of learning. He now focuses on balance: growing deliberately, empowering leaders, and making sure the culture that got them here doesn't get lost along the way. "We've learned to grow smarter, not faster," he said. 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 this conversation, Scott Forgue and Dylan Silver discuss their experiences in real estate, including networking with notable figures like Robert Shemin and Vanilla Ice. They explore strategies for financial success in the real estate market, addressing common concerns about making money without significant risk.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Retiring before Medicare? You might face a tricky balancing act between doing Roth conversions and keeping your health insurance subsidies through the Affordable Care Act (ACA). Tanner Watson, CFP®, helps us unpack a real-life retirement planning case to show how Roth conversions can impact your premium tax credits and what strategies can help you make the most of both. 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/RzfHaemmR3A  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.

Revealing, insightful, necessary, candid conversation with the incomparable Jerry Craft, NYT bestselling author of the groundbreaking book New Kid.* Craft is the ONLY PERSON IN THE HISTORY OF EVER to have a book win the:Newbery Medal, the Coretta Scott King Author Award, and the Kirkus Prize for Young Readers' Literature* New Kid was the FIRST graphic novel to receive the prestigious Newbery Medal* New Kid is billed as a book for middle grade readers (ages 8 - 12, grades 3 - 7) however it is just as riveting and important a read FOR ADULTS An actual middle schooler, KJ Fletcher got to join his mom, host and producer Samantha Fletcher for this one of a kind opportunity. They caught up with the multi-talented and in-demand busy author, illustrator and all around wise guy – literally for his wisdom as well as his wit – Jerry Craft.Craft graciously answers 10 questions -- plus a few more because the host Samantha can't allow a good dig-in or follow up question to pass -- and shares why he wrote the book, why it's great for young people, AND why it is an ASSET and a MUST-READ for GROWNUPS, too.WHAT IS NEW KID ABOUT? Described as "heartbreakingly accurate" by Kirkus, here is an AI overview summary: "New Kid is a graphic novel by Jerry Craft about a Black seventh grader named Jordan Banks who is one of the few students of color at a prestigious, mostly-white private school. The book follows Jordan as he navigates this new environment, torn between his familiar Washington Heights neighborhood and the new school's culture, exploring themes like microaggressions, racism, and socioeconomic disparity. It's a coming-of-age story about making friends, fitting in, and staying true to himself while dealing with the challenges of being a new student from a different background."WHY KIRKUS CHOSE THIS AS ITS WINNER: "Kirkus chose Jerry Craft's New Kid for its honest portrayal of being a Black student in a predominantly white private school, handling race, class, and microaggressions with humor and a relatable protagonist. The graphic novel was praised for its "heartbreakingly accurate" and "funny, sharp, and totally real" story that allows readers to see themselves in a narrative that isn't based on "misery" or historical hardship, but instead on the everyday experiences of a young person navigating identity and belonging. Kirkus specifically highlighted how the book combined a middle-grade narrative with important social commentary, using the protagonist's art to visualize his dual worlds."www.samanthafletcher.comhttps://jerrycraft.com/https://creators.spotify.com/pod/profile/dailybordercrossings/ https://podcasts.apple.com/us/podcast/daily-border-crossings/id1517113315

Jay Chrawnna, director of The Kus, dives into the subtle ways people are already using Web3 in everyday transactions (often without realizing it) and what this means for the future of consumer Web3. He explores how gaming projects like FIFA Rivals are redefining digital asset ownership, and highlights how entities like the Indonesian government are leveraging blockchain to improve transparency, efficiency, and mainstream accessibility. Key Takeaways: How the next wave of Web3 could be completely invisible to users. Why Polkadot may be the only platform capable of scaling Web3 at full potential. What "Consumer Web3" really means, and why it's about more than wallets and tokens. How blockchain is being used to reimagine institutions at a massive scale. Guest Bio: Jay Chrawnna is the director of The Kus, a media broadcaster for Polkadot. On the Space Monkeys Podcast and weekly Attempts at Governance liveshows, the DOT eco's top movers and doers drive discourse and shape the second age of Polkadot. Jay exclusively uses the Brave browser. ---------------------------------------------------------------------------------------- About this Show: The Brave Technologist is here to shed light on the opportunities and challenges of emerging tech. To make it digestible, less scary, and more approachable for all! Join us as we embark on a mission to demystify artificial intelligence, challenge the status quo, and empower everyday people to embrace the digital revolution. Whether you're a tech enthusiast, a curious mind, or an industry professional, this podcast invites you to join the conversation and explore the future of AI together. The Brave Technologist Podcast is hosted by Luke Mulks, VP Business Operations at Brave Software—makers of the privacy-respecting Brave browser and Search engine, and now powering AI everywhere with the Brave Search API. Music by: Ari Dvorin Produced by: Sam Laliberte  

In this episode of Stewardship Leader, the second episode of a three-part series, Dr. Russell James joins Leo Sabo to discuss practical ways to apply biblical principles in fundraising. Drawing on insights from his book, "The Biblical Fundraiser In Modern Practice: Helping Christians Enjoy Their Wealth," Dr. James provides guidance on engaging donors, designing meaningful giving opportunities, and helping supporters see their wealth as a tool for kingdom impact. He emphasizes the importance of enjoying wealth through good works and generosity, rather than hoarding it. The conversation also covers the distinction between income and wealth, and how ministries can better handle non-cash gifts.Key Takeaways-Enjoy wealth by doing good and being generous.-Wealth should be used for kingdom impact, not hoarded.-Income and wealth are distinct; focus on wealth sharing.-Non-cash gifts are crucial for effective fundraising.--Biblical principles guide effective wealth management.-Engaging donors requires understanding their wealth.-Generosity reflects personal character and values.-Asset donor stories inspire wealth sharing.-Long-term relationships lead to major gifts.-Ministries should balance mission with measurable results.

Em entrevista ao Café com Investidor, Renato Jerusalmi, sócio da Riza Asset, explica como a gestora, que nasceu em 2020, ganhou musculatura com o avanço do mercado de crédito no Brasil

In this eye-opening segment from Episode #1,102 of The Clay Edwards Show on WYAB (November 17, 2025), host Clay Edwards and guest Andrew Gosser unpack Tucker Carlson's explosive exposé on Thomas Crooks—the would-be assassin who shot at President Trump in Butler, PA last July. They delve into allegations of CIA grooming via MKUltra-style mind control programs, Crooks' hidden online footprint (over 20 social media accounts across platforms like DeviantArt, where he used "they/them" pronouns and engaged in furry communities), and his radical shift from Trump supporter in 2015-2016 to hardcore leftist.   Clay and Andrew question the FBI's rapid cover-up: quick cremation to hide potential toxicology evidence of psychotropic drugs, deep sanitization of his home (even bleaching walls and removing silverware for DNA traces), and erasure of his digital history despite violent posts about killing Republicans and beheading people—posts that should've triggered NSA flags during peak censorship eras. They highlight Rep. Tim Burchett's claims of Crooks being a "mark" radicalized by deep state operatives, possibly tied to Antifa or socialist movements, and call for dismantling corrupt agencies like the FBI, CIA, NSA, and IRS.   Speculation abounds: Was Crooks trans-adjacent and activated as part of a broader left-wing embrace of such communities to shield them from criticism? Why the secrecy around his medical records and prescriptions? Don't miss this unfiltered deep dive into government overreach, mind control theories, and the need for accountability in America's intelligence apparatus.   Tune in for raw analysis on conspiracies, deep state tactics, and why agencies must be held accountable. Subscribe for more no-holds-barred takes on politics, culture, and hidden truths. Follow @SaveJxn on Facebook, YouTube, and X. #ClayEdwardsShow #ThomasCrooks #TuckerCarlson #ButlerShooting #DeepState #MKUltra #Politics

Hello, listeners, and welcome back to First Principles, Episode 48, or the 7th episode of season 3. This is part 2 of the conversation.The host, Rohin Dharmakumar, first crossed paths with Deepak Abbot back in April 2015, even before The Ken had been founded. Rohin was chasing down an insightful breakdown of the tech ecosystem's huge user numbers during the Free Basics debate, and Deepak, a veteran operator and former product head at Paytm, was the go-to source for his data-filled, analytical posts.That same data-driven curiosity is what led Deepak to walk away from corporate life in 2019. He was clear: he didn't want to just manage; he had years left to actively "build products, you know, with my own hands". What he built was Indiagold, targeting the massive opportunity of gold in a market VCs often dismissed as an 'old economy product'.In this episode, Rohin sat down with Deepak Abbot, co-founder of Indiagold, to discuss how they are transforming India's massive $1.5 trillion gold reserve—an asset often locked away and doing nothing—into a productive force. Deepak calls this gold a "dead asset" and explains that Indiagold's mission is to change the mindset around it. They are not just giving gold loans; they are monetising a secured asset for the 250 million Indians who are excluded from formal credit due to thin or non-existent credit scores. By enabling customers to safely leverage their gold reserve, the company helps jumpstart a formal credit history and provides essential working capital.Listen in as Deepak charts his operator-to-founder journey, shares how he navigated initial VC skepticism, and details the strategy behind turning a seemingly archaic commodity into a modern fintech solution for one of India's most fundamental credit problems. Plus, a fascinating look inside a unique company culture, including why Indiagold operates without a CEO.*****This episode was mixed and mastered by Rajiv CN.Write to us at fp@the-ken.com with your feedback, suggestions, and guests you would want to see on First Principles.If you enjoyed this episode, please help us spread the word by sharing and gifting it to your friends and family.***** Join The Ken as a Podcast Producer and work with India's most ambitious storytellers! We're creating a podcast about India's biggest companies, with each episode backed by weeks of deep research. You'll lead the workflows that turn that research into exceptional narratives and bring the show to listeners around the world. Join us to help shape something exceptional. Check out the details and apply here. 

We met in a conference room at an office in Barrington, IL. A place where sometime later a couple guys thought they'd screw me in a business deal. I came out ahead in the end, but the place has mixed memories.   This meeting involved thinking about the future of asset data and systems interoperability. We had a system diagram. The idea was to solve a huge problem for owner/operators of process manufacturing enterprises—flowing engineering data into other software systems for operations, maintenance, and enterprise. The incumbent system was a morass of paper (or pdf documents which was much the same thing).   We did trademark searches and domain name searches and eventually settled on the Open Industrial Interoperability Ecosystem—OIIE.   I plot this history for context for the conference I attended recently—the 2nd ADIF Workshop at Texas A&M University dubbed Driving Asset Data and Systems Interoperability Toward an Open and Neutral Data Ecosystem.   This workshop brought together owner/operators, EPCs, System Integrators, university researchers, standards organizations, and software vendors. Each group conducted a panel discussion of its needs and successes. I was there for a short presentation and to moderate the standards panel.   Professor David Jeong from Texas A&M and the session leader previewed the discussions. One of his colleagues later presented research his team has performed to provide a method for taking P&ID documentation into a standard format usable by other software systems.   The message that came to me from the panel of owner/operators (grossly summarized, as will be all the discussions) included two key words—collaborate and operationalize. They are impatient about solving this data interoperability problem. One panelist quipped, "We know the project is finished when the large van backs into the loading dock and disgorges mountains of paper."   What blows my mind is that I was moved to a position called Data Manager in 1977 to tackle the (much smaller) mountain of paper our product engineering department provided to operations, accounting, and inventory management. I led a digitalization effort in 1978 to tackle the problem. The problem not only remains, but it is immensely more complicated and critical.   The EPCs basically said that their hands were tied by the owner/operators mandating which design and engineering software to use and the inflexibility of the vendors of said design and engineering software. When owner/operators had requested digital documentation, they had responded with pdfs. Hardly interoperable data.   Our standards panel included the leader of DEXPI, whose organization has developed a method of changing P&ID data into an xlsx (Excel) format. That, of course, is a good start.   An organization called CFIHOS (see-foss) presented their take on standards. I'm afraid I got a bit lost in the slides (note: more research needed). What I gathered was that they were attempting one overriding standard—and that that work was years away. Interesting that I listened to Benedict Evans' podcast this morning. He is a long-time tech industry analyst. He remarked in another context, "It seems that where there are 10 standards and someone comes along with a standard to encompass them all, you wind up with 11 standards."   The ISA-95 was presented. This messaging (and more) standard is incorporated with the OIIE, which was presented next. Dr. Markus Stumptner of the University of South Australia presented his research work on proof of concept of the OIIE.   If we can get enough momentum focusing on this area and find some SIs willing to take the OIIE to an owner/operator, perhaps we can finally prove the business case of asset data and systems interoperability.

AIを活用した3Dモデル制作を効率化し、誰でも高品質なアウトプットが可能な「Asset Hub」や新ワークフローを開発、グローバル展開を目指している。

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training How do you ensure the highest possible retention levels at your agency? What reasons do you give employees to stay and develop their careers at your agency? Today's featured guest hires fresh talent right out of college. People his team can train into the sort of workers who grow with the agency. However, young talent tends to be ambitious and likely to move on quickly to the next opportunity. To boost retention, he has created a growth path for employees that are a right fit with the agency. He'll break down how he's learned to hire intentionally and build a culture that grows people as fast as profits. McKay Salisbury is the founder and CEO of FiveStar Commerce, an eCommerce agency based in Orem, Utah. His team manages Amazon, Walmart, and Target Plus accounts for over 450 brands annually. What started as a freelancing side hustle on Upwork has grown into a full-service agency focused on team development, in-person collaboration, and steady internal promotion. In this episode, we'll discuss: How to hire and retain young talent in a competitive market. Why in-person culture drives faster growth and better retention. The career path strategy that turns entry-level hires into future leaders. How to build systems that grow people as fast as profits. 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. Growing his Freelancer Gigs to a Thriving Amazon Agency McKay's journey began while working at a small Amazon marketing firm, when he started freelancing on Upwork to make a little extra money. Within six months, his freelance income reached half of his salary, and he decided to go all in. Moving into his sister's basement, McKay began full-time freelancing, which quickly evolved into his own agency. Within the first month after quitting his job, he was already matching his old salary. McKay's early days were lean, but the momentum from focusing entirely on client work set the foundation for future growth. Hiring Early and Building Support Systems McKay's first hire came just a month into freelancing full-time. It was a part-time assistant he had previously worked with. That decision to delegate quickly accelerated FiveStar Commerce's capacity. Within five months, he added his first full-time project manager and opened a physical office. Unlike many agency owners who chase remote freedom, McKay found that in-person collaboration gave him structure, focus, and culture. For him, separation between work and home drives productivity. Just like he had learned in college, where studying at the library helped him focus, McKay found it much easier to create great work and culture working in-person. The physical office became the heartbeat of FiveStar Commerce's growth, helping employees feel part of something bigger and creating accountability that can be hard to replicate remotely. Why In-Person Work Still Wins for Training and Culture When it came time to really build his team beyond just a few employees, McKay found it was either difficult or expensive to find the right talent with experience in his particular niche. It wasn't an option for an agency just starting out, so he leaned on investing time on training young talent. It made sense cost wise, and location wise, given they are near two large universities, which provided a supply of fresh talent eager to learn. To make this approach work, the agency had to adapt its environment to support constant learning. A central part of this is their in-person operations, since McKay noticed that even the smallest physical arrangements, like which direction desks faced, could impact how quickly new hires learned and that having trainers nearby reduced hesitation and built confidence. He also observed that remote employees tended to "float away" after 6–12 months. While remote setups can work for certain roles, McKay found that building culture, energy, and loyalty thrive best face-to-face. This philosophy shaped his agency's identity and helped retain young, ambitious team members eager for mentorship. Designing Career Paths that Retain Talent Beyond intentional training, this strategy worked because he paired it with a clear path for career progression. Every employee starts as a generalist learning all aspects of Amazon management, from ads to design to optimization. After 6–12 months, they move into project management roles, and the top performers advance to senior project manager positions. Each promotion comes with a pay increases - typically around $10,000 per year - which keeps employees motivated and invested in long-term growth. This proved to be a great way to increase retention, which is one of the biggest challenges for growing agencies. As McKay puts it, "If you're not giving people a reason to grow, LinkedIn will." Personality Over Experience: Hiring for Potential When hiring fresh graduates, how can you gauge whether or not they'll be a good fit in the long run? McKay looks for personality traits that predict leadership potential—confidence, communication skills, and curiosity. The interview process focuses on how candidates carry themselves, not just what's on their resume. Those who communicate clearly and think proactively tend to rise fastest. This approach ensures that every new hire is a potential project manager within a year or two. McKay views entry-level roles not as long-term positions but as training grounds for leadership. By prioritizing culture fit and growth mindset, he's been able to maintain consistent quality while scaling quickly. 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.

Im Gespräch mit Michael Jost, dem ehemaligen Chefstrategen des Volkswagen-Konzerns und Gründer von eD-TEC, ging es um nichts weniger als die Zukunft von Mobilität, Energie und Industrie. Schon zu Beginn machte Jost klar: „Die Energiewende und damit auch die Mobilitätswende sind keine Frage des Ob, sondern des Wann.“ Für ihn steht fest, dass der Weg weg von fossilen Energien hin zu erneuerbaren Quellen unausweichlich ist – und dass Europa diese Transformation nur mit klarer Strategie, technologischem Mut und entschlossenem Handeln meistern kann. Er erinnerte daran, dass bereits 2018 bei Volkswagen die Weichen in Richtung Elektromobilität gestellt wurden. Doch rückblickend sieht er auch Versäumnisse: Eine zu starke Fixierung auf kurzfristige Renditen, zu wenig gemeinsame Stimme der deutschen Hersteller. „Wir haben es nicht geschafft, die großen Automobilplayer in Deutschland zu vereinen – jeder hat seine EBIT-Optimierung in den Vordergrund gestellt,“ so Jost kritisch. Im Gespräch, welches an die zwei Stunden ging und daher in drei Podcast-Folgen aufgeteilt wurde, wurde deutlich, dass für ihn Energie- und Mobilitätswende zwei Seiten derselben Medaille sind. Jost forderte, Deutschland müsse jährlich 100 Milliarden Euro in erneuerbare Technologien investieren – in Erzeugung, Speicherung, Infrastruktur und Ausbildung. Nur so könne echte Unabhängigkeit von fossilen Energieimporten erreicht werden. „Das wäre keine Ausgabe, sondern ein Asset,“ betonte er. Ein weiterer zentraler Punkt war die Notwendigkeit langfristiger Planung. Jost kritisierte den politischen Zyklus von vier Jahren, der tiefgreifende Strategien verhindere. „Wir brauchen eine übergreifende Strategie, die länger hält als eine Legislaturperiode,“ forderte er. Auch wirtschaftlich sieht er ein Umdenken als zwingend: Europa müsse wieder stärker auf Eigenständigkeit setzen – in Energiefragen, Technologie und Mobilität. Dabei blickte Jost nach vorn auf neue Geschäftsmodelle, die das klassische Besitzdenken ablösen. Modelle wie „Pay per Use“ oder flexible Subscriptions seien laut ihm unvermeidlich, ebenso wie das autonome Fahren. „Wenn wir in Europa als Erste den Menschen 20 Monate ihres Lebens zurückgeben, weil sie nicht mehr selbst fahren müssen – das ist echter Fortschritt,“ so Jost. Er sprach außerdem über die Rolle von Marken in dieser neuen Welt. Für ihn wird die Marke zur entscheidenden Währung – als Trägerin von Vertrauen, Identität und Sinn. „Marken sind die Antwort auf die Sehnsucht nach Vertrauen,“ erklärte er. Dabei müsse sich Europa wieder stärker auf die emotionale Seite seiner Industrie besinnen, anstatt sich ausschließlich über Zahlen und Technik zu definieren. Zum Schluss wagte Jost den Blick in die Zukunft: Elektroantriebe werden seiner Meinung nach 80 Prozent des Marktes dominieren, während der klassische Verbrenner nur noch als Nischenprodukt überlebt – ein „Uhrwerk der Ingenieurskunst“, betrieben mit synthetischen Kraftstoffen. Hybridlösungen könnten dort bestehen, wo reine Batterieantriebe an ihre Grenzen stoßen. Nun aber genug der Worte – hör am besten selbst rein in die aktuelle Podcast-Folge mit Michael Jost.

TRUMP WAS FBI ASSET? WHAT?!? NO WONDER EPSTEIN HATED HIM!!! SHOW #54 11142025

Retiring with debt in your 50s can feel like a dead end, but it doesn't have to be. In this episode of Wise Money, we unpack how to balance paying off debt while still making that final push toward a confident retirement. We explain different versions of the debt snowball, how to build a five-factor retirement plan, and how to bring clarity to your financial plan so you can retire with confidence.  Season 11, Episode 13 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/5Z318wvIAJs  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.

  Precious metals rebound, copper positioning, and insights from the New Orleans Investment Conference   This week's Weekend Show dives deep into the current phase...

Joining Gary on the show today is Break of Day Capital's Director of Asset Management, Tim Chui. With over a decade of experience in institutional real estate, Tim Chui has held senior roles at leading firms including JRK Properties, Essex Property Trust, and American Realty Advisors. He began his career analyzing equity and fixed income opportunities before moving into acquisitions, portfolio management, and asset management. Tim has overseen 54 multifamily assets across Southern California totaling more than 12,000 units and $5 billion in value, and has successfully navigated complex, over-leveraged portfolios through challenging market cycles. In today's conversation, Tim shares what first drew him to the asset management space, the path that led him to his current role, and the skill set needed to excel in the field. He opens up about the toughest property he's ever managed, the lessons learned, and his proudest accomplishments to date. They also dive into the tools and metrics that drive effective asset management, the industry's evolving landscape, and where Tim believes the future of asset management is headed. Thanks for tuning in!Key Points From This Episode:Introduction to today's guest and topic of conversation.What first grabbed Tim's interest in the asset management space.The path to becoming an asset manager.Tim breaks down the basic skillset required in asset management. He shares about the hardest property he's ever had to asset manage.What he learned from his most challenging property.His biggest accomplishment so far, in the asset management space.Tim sheds light on some of the biggest challenges he faces. Asset management tools and resources Tim can't live without. A typical day as an asset manager; from Tim's perspective. What he hopes to achieve when visiting properties on a monthly basis.Key metrics he focuses on.Tim shares his thoughts on the changes he's witness and where the industry is heading. Links Mentioned in Today's Episode:Tim Chui on LinkedInEliseAIAsset Management Mastery Facebook Group Invest SmartBreak of Day Capital Break of Day Capital InstagramBreak of Day Capital YouTubeGary Lipsky on LinkedIn

Caleb speaks with George Urvari of Knowledge Tree Consulting and Oriole Landscape. Urvari discusses his forty-year career in the green industry, starting Oriole Landscaping in college and growing it into a $10 million maintenance-focused business by hiring people better than him and focusing on organizational processes. A significant portion of the conversation addresses Urvari's role as a consultant through Knowledge Tree, where he employs a blunt, truth-focused approach based on psychological profiling to help clients improve their businesses, often by quickly identifying and addressing team members who are liabilities rather than assets. Urvari emphasizes the importance of loyalty, strategic thinking, and a data-driven methodology to achieve rapid, sustained business improvement. Connect with George: https://knowledgetreeconsulting.com/ george@ktc.biz  Important Links: Auman Landscape on YouTube Primed For Growth www.companycam/kcpodcast Company Cam- 50% for 2 months! Linktree/AumanLandscape @aumanlandscapellc www.CycleCPA.com  Use code: Auman and save $200 when signing up. LMN Software Save on onboarding! Code: AUMAN

Send us a textMost salespeople waste their first meeting covering basics that could've been handled beforehand. Bill introduces a game-changing digital asset: the introductory video—a 5-minute pre-meeting video that positions you as a credible problem-solver before the conversation even starts.In this episode, Bill breaks down the exact structure of an effective introductory video, including the hook that grabs attention in 10 seconds, how to tell your story concisely, the three industry headwinds your prospects face, your process for solving them, and the mindset shifts clients need to embrace. He also shares why most sellers won't do this (it requires actual work) and why that's precisely your competitive advantage.If you're tired of first meetings that feel like interrogations or product pitches, this framework gives you a smarter way to start every relationship.Download your complimentary copy of the 12 Bold Moves audiobook at 12BoldMoves.com/Audiobook

Trust isn't just a soft skill — it's a strategic asset vital for leadership success, sales growth, and organizational change. On the Sales POP! podcast, John Golden interviews Darryl Stickle, a trust expert with decades of experience, about how to cultivate trust in emotionally charged and uncertain times. Highlights include: Understanding trust as a balance of uncertainty and vulnerability. The importance of starting with small vulnerabilities to invite reciprocity. The four levers of trust: ability, benevolence, integrity, and transparency. How acknowledging today's trust crisis and showing empathy can rebuild connections. Why consistent communication and under-promising are key to maintaining trust.  

Let's talk about payroll! In this episode of the HR Like a Boss podcast, John is joined by fellow podcaster Pete A. Tiliakos to discuss the critical role of payroll in organizations. They explore the challenges faced by payroll professionals, the importance of engagement, and the future of payroll leadership. Hear Pete advocate for the elevation of payroll roles within organizations and emphasize the need for education and awareness in the payroll profession.ABOUT PETEPete leverages unique market expertise from over 30 years in HR and payroll technology, services, and transformation. Pete is globally recognized for his extensive knowledge, coverage, research, and strategic advisory of leading and emerging solution providers across the payroll, employer of record services, payments, and HCM technology marketplaces. Both practitioners and providers widely leverage his research and perspectives as he is a regular contributor to industry associations, podcasts, publications, and events and the co-host of the HR and Payroll 2.0 podcast, and host of The Source podcast by DailyPay.

Welcome back to the EUVC Podcast, where we explore the frameworks moving European venture, finance, and policy.Two weeks after Building Bridges 2025 in Geneva, Andreas Munk Holm and Enrique, Chi Impact Capital sit down with Patrick Odier — Chairman of the Supervisory Board of Lombard Odier and Chair of Building Bridges — to get practical on financing systemic transition. Odier argues for a shift from “risk and exclusion” to opportunity and system redesign, spotlighting circularity, materials, and real-economy partnerships as core alpha.

On August 12th, AGORACOM made history with our first-ever Real World Asset (RWA) Tokenized Financing Webcast, hosted in partnership with BlockRidge, our Dubai-based RWA global partners — and joined by 200+ small cap executives.The response was incredible. The Q&A ran longer than the webcast itself, proving just how much interest and excitement there is around tokenized financing.If you missed it, or want to share it with your team, this is the full replay video on demand. What You'll Learn in This Replay: How RWA tokenization is rewriting the rules of small cap financing Why issuers can finally escape predatory financing models How global blockchain infrastructure opens doors to investors worldwide Insights from active financing discussions already totaling $350M+ The Paradigm Shift Has Begun:SEC launches Project Crypto – opening the door to tokenized markets,Nasdaq proposes tokenized securities trading by Q3 2026, If you're a small cap company looking to raise $20M+ against real world assets ready for commercialization, this webcast is a must-watch. Watch the full replay now and see how tokenization is transforming capital raising for small caps.#Tokenization #SmallCap #AGORACOM #Webcast #Blockchain #RWA

Jason discussed the introduction of 50-year mortgages in the United States and their potential impact on real estate affordability and demand, while highlighting favorable market conditions including sliding interest rates and the end of quantitative tightening. He explained how extended mortgage terms can be financially beneficial through inflation-induced debt destruction and tax deductions, contrasting common misconceptions about mortgages as liabilities. Jason emphasized the importance of understanding current market trends and encouraged listeners to explore his AI chatbot and past content for insights, while also promoting his upcoming monthly masterclasses and the Empowered Investor Pro community. Jason then welcomes Jeff Deist, in-house counsel for Monetary Metals, to discuss the impact of dollar debasement and inflation on the economy. They explore how the U.S. has been in a slow-motion economic decline since 1971 and examine the evolving nature of money, including the role of gold and digital assets in the modern financial system. The conversation concludes with a discussion on the use of physical gold to generate income through leasing arrangements and the benefits and risks of gold investments, including its cultural significance and untapped potential as a financial asset. Check out our FREE Ai tool- JasonHartman.com/Ai Join our PRO community at EmpoweredInvestor.com Key Takeaways: Jason's editorial 1:32 I'm having a party! 9:54 Mortgage Amortization Calculator 14:44 Check out our FREE Ai tool- JasonHartman.com/Ai 15:55 Confluence of factors 17:00 Join our FREE Masterclass at  JasonHartman.com/Wednesday   Jeff Deist interview 18:44 A defense against the debasement of the US dollar 23:52 Tether no more 35:07 Gold and governments 38:08 Making precious metals productive 42:35 Benefits and risks 47:23 Gold has a role to play Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com  

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training How are you preparing your clients to start thinking about AI as part of their SEO strategy? Are you educating them on what they can expect now that the landscape is changing with AI optimization? As an agency, you should be starting these conversations because you can be sure your clients are already thinking about AI, even if they still don't understand its applications for how clients will get to their content. Artificial intelligence isn't just changing how people find information, it's rewriting the rules of search altogether. Today's featured guest is already running AI audits for his clients; he thinks all agency owners should be doing this. He'll unpack what AI optimization really means for agencies, marketers, and business owners who've lived and breathed SEO for decades. Vishal Mahida is the Director of Digital Marketing at E2M Solutions, where he helps over 100 agencies scale their SEO and digital marketing operations. With a 40+ person team specializing in SEO, PPC, and operations support, Vishal works directly with agencies on systems that drive measurable growth and keep them ahead of major shifts in the industry. In this episode, we'll discuss: SEO vs. AI Optimization No, SEO is not dead, so your website still matters. Preparing your agency and clients for AI search. Subscribe Apple | Spotify | iHeart Radio The Difference Between SEO and AI Optimization There's a lot of buzz around how AI has come to change and maybe even replace SEO. Vishal clarifies that AI optimization isn't replacing SEO, it's expanding it. Traditional SEO focused primarily on optimizing for Google rankings, keywords, and backlinks. The goal was to get traffic from search results. But as Vishal explains, the modern search landscape has fragmented. Users are now searching on multiple platforms including ChatGPT, Perplexity, and Claude, not just Google. This shift means brands must move beyond "ranking on Google" and focus on being visible wherever their audience searches for information. Whether someone asks ChatGPT for "the best roofers in Austin" or Google's AI mode for "running shoes under $5,000," AI systems are gathering and summarizing information across multiple sources in real time, including social platforms like Reddit, Quora, and LinkedIn. Think about it as building a multimedia visibility strategy and ensuring your brand, expertise, and answers exist across platforms that large language models (LLMs) pull from. "You're not optimizing for one search engine anymore," he says. "You're optimizing for how the internet talks about you." Why Your Website Still Matters in the AI Era Will websites become irrelevant if AI answers everything for users? According to Vishal, websites won't disappear, they'll evolve. Think of them as your source of truth rather than your traffic generator. When AI summarizes answers for users, it still references real content and authoritative sources. So, your website remains essential for credibility, events, and conversion, even if fewer users arrive there through traditional search. For instance, if someone asks ChatGPT about agency growth events in Austin, and you've mentioned your event across social media, your website, and podcasts, AI will likely include it in the results. "That's how people find you now," Vishal agrees. "Not just through search but through signals from every platform." Of course, you should still think about the content you're putting out on your website. Are you answering the questions that people are asking? Or you just optimizing for the keywords. Optimizing for the keywords won't work. People will ask LLMs questions and if you're already answering them on your content there are more chances that AI results will find you and list your website. Redefining Reporting and KPIs for Agencies One of the biggest challenges agencies face is explaining to clients why organic traffic might be dropping even as visibility increases. Why? Traditional SEO metrics no longer tell the whole story. So how to report back? Basically, you'll need to educate clients and start measuring mentions, citations, and referrals coming from AI platforms. Vishal suggests tracking LLM bot hits in server logs and monitoring whether AI crawlers are visiting key pages. These indicators reveal your brand's visibility in AI-generated results. While raw traffic might decline, the quality of leads and conversions often improves. "You might get fewer leads," he says, "but they'll be more qualified, because AI searchers are deeper in their intent." Leads from AI chats tend to be more serious buyers who have already researched their problems. The shift, then, isn't a loss but rather an opportunity to educate clients on new performance indicators that reflect where users actually search today. Preparing Your Agency and Clients for AI Search When it comes to optimizing for AI, Vishal recommends a hybrid approach: combine solid technical SEO fundamentals with a new layer of AI-readiness. This includes making sure your site is clean, crawlable, and structured properly, while also ensuring your brand has visibility across other platforms. At E2M, Vishal's team runs AI search audits to check how often their clients' brands appear in LLM answers. They even query ChatGPT and Perplexity directly to see what those systems say about them and their competitors. From there, they reverse-engineer visibility by identifying which platforms, podcasts, or publications help brands get cited more often by AI. Mentions on Reddit, Quora, and podcasts count, even if they're not linked, because they help build trust signals that LLMs detect. Agencies, Vishal says, can sell these as AI search audits, AI content audits, or full AI optimization packages — new recurring revenue streams that build on their SEO expertise. The Human Edge in an AI-Driven World Agencies can't afford to be "order takers" who wait for clients to bring up AI. If your clients are asking about AI before you bring it up, you're already behind. Instead, agencies should position themselves as trusted advisors who help clients navigate the shift confidently. So go to your clients and start those conversations, or you WILL be replaced by AI. At the end of the day, people still want connection, which is why both Jason and Vishal agree that AI will never replace the human element and the strategy, empathy, and creativity that come from real human connection. People will always want someone that can help guide them through the new marketing trends. As Vishal puts it, "Business owners don't have time to learn all this. They want someone they trust to handle it." AI might make average easier, but connection, data, and network will always be your edge. 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.

Time Stamps:2:20 - Zulu Vs Dave Smith1:01:45 - Epstein IS an Israeli Intel Asset1:32:15 - Yeakey1:45:10 - Did Tyler Robinson Actually Need to Disassemble the Gun?Welcome to The Morning Dump, where we dive headfirst into the deep end of the pool of current events, conspiracy, and everything in between. Join us for a no-holds-barred look at the week's hottest topics, where we flush away the fluff and get straight to the substance.Please consider supporting my work- Patreon- https://www.patreon.com/nowayjose2020 Only costs $2/month and will get you access to episodes earlier than the publicNo Way, Jose! Rumble Channel- https://rumble.com/c/c-3379274  No Way, Jose! YouTube Channel- https://youtube.com/channel/UCzyrpy3eo37eiRTq0cXff0g My Podcast Host- https://redcircle.com/shows/no-way-jose Apple podcasts- https://podcasts.apple.com/us/podcast/no-way-jose/id1546040443 Spotify- https://open.spotify.com/show/0xUIH4pZ0tM1UxARxPe6Th Stitcher- https://www.stitcher.com/show/no-way-jose-2 Amazon Music- https://music.amazon.com/podcasts/41237e28-c365-491c-9a31-2c6ef874d89d/No-Way-Jose Google Podcasts- https://www.google.com/podcasts?feed=aHR0cHM6Ly9mZWVkcy5yZWRjaXJjbGUuY29tL2ZkM2JkYTE3LTg2OTEtNDc5Ny05Mzc2LTc1M2ExZTE4NGQ5Yw%3D%3DRadioPublic- https://radiopublic.com/no-way-jose-6p1BAO Vurbl- https://vurbl.com/station/4qHi6pyWP9B/ Feel free to contact me at thelibertymovementglobal@gmail.com#ZuluVsDaveSmith #LibertarianInfighting #DaveSmithDebate #ZuluLibertarianClash #LibertarianDrama #DaveSmithVsZulu #EpsteinIsraeliAsset #EpsteinIntelOp #NewEpsteinDrop #TrumpKnewEpstein #EpsteinMossadLink #EpsteinConspiracy #TerranceYeakeyDeath #YeakeyMystery #OKCBombingCoverup #TerranceYeakeyTruth #YeakeySuspiciousDeath #OKCFirstResponder #LibertarianFeud #EpsteinTrumpConnection

Dan Brunskill is interest.co.nz's political and economics reporter based in the parliamentary press gallery. He joins Emile to discuss.

What happens when you search for a chair company? What happens when a popular game is turned into an anime? What happens when your whole family is connected to the police department? And what happens when you're recruited for an undercover mission? Tune in to find out!Timestamps:  00:48 - The Chair Company (HBO Max)07:13 - Disney Twisted-Wonderland the Animation (Disney+)13:26 - Boston Blue (CBS)20:19 - The Asset (Netflix)  Edited with thanks to Playlyst StudiosConnect with us:  Buy us a coffee at buymeacoffee.com/thepilotpodcast | Visit us at thepilotpodcast.com | Email us at askthepilotpodcast@gmail.com | Follow us @ThePilotPod on X, Instagram, and TikTok | Please leave a rating and review on Apple Podcasts

Coalition differences were aired at volume today - with Christopher Luxon and Winston Peters at loggerheads over the prospect of asset sales. The Prime Minister says it's a conversation worth having. The New Zealand First leader says it's a failed economic strategy. Acting political editor Craig McCulloch reports.

Setting up a business for your book isn't just smart, it's essential. In this episode, Juliet Clark sits down with Aaron Scott Young of Laughlin Associates to explore why every author should treat their work as both a creative pursuit and a protected asset. Aaron breaks down how incorporating your book-related ventures—whether for speaking, consulting, or brand credibility—can safeguard your personal wealth, reduce tax liability, and position you as a true professional in the marketplace. Drawing from decades of experience helping entrepreneurs and authors build solid business foundations, Aaron explains how to separate passion from protection, creativity from risk, and hobby from enterprise. This conversation is a must-listen for any author ready to turn their intellectual property into a long-term business advantageLove the show? Subscribe, rate, review, and share! https://superbrandpublishing.com/podcast/

Welcome back to the Alt Goes Mainstream podcast.Today's episode dives into private credit and building an asset management business inside of a leading global bank.We sat down in Nomura's NYC office with Robert Stark, the CEO of Nomura Capital Management LLC (NCM) and Head of Investment Management in the Americas for the Nomura Group.Robert brings deep experience in financial services to Nomura. He was previously the Founder & CEO of Alterum Capital Partners LLC, where he focused on building an investment management business at the intersection of private markets and RIAs. Prior to Alterum, he was a Senior Managing Director and member of the Executive Committee at FS Investments, where he was responsible for Corporate Development. He also spent 7 years at JP Morgan across Asset & Wealth Management. He joined JP Morgan from Russell Investments, where he was a member of the Executive Committee. He started his professional career at McKinsey & Company, where he was a Partner serving clients in asset management, investment banking, insurance, and private equity.Robert brings both a consultant's analytical perspective and an operator's practical approach to his work building the credit business at Nomura Capital Management.Robert and I had a fascinating and wide-ranging discussion about building an asset management business in a fast-growing segment of private markets: private credit. We covered:The state of the private credit market.How to build an asset management business.What it takes to work with the wealth channel.The entrepreneurial spirit of RIAs.Open architecture vs closed architecture in private credit.Keys to success in the evergreen fund space.Thanks Robert for coming on the show to share your wisdom and expertise on private markets and wealth management.Show Notes00:00 Message from Ultimus, our Sponsor01:57 Welcome to the Alt Goes Mainstream Podcast02:06 Guest Introduction: Robert Stark03:18 Building an Asset Management Business03:42 Evolution of Asset Management Industry04:01 Regulatory Environment and Market Structure05:12 Challenges in Asset Management08:24 Importance of the Right People08:44 Private Credit Business at Nomura09:59 Diversification in Private Credit10:47 Secular Trends in Private Credit11:15 Client-Centric Solutions19:00 Origination in Private Credit20:07 Open vs. Closed Architecture22:45 Product Development and Client Feedback24:22 Early Stages of Private Credit Solutions25:43 Future of Evergreen Funds27:29 Investor Interests and Needs27:47 Building a Trusted Brand28:18 Challenges of Entrepreneurship28:46 Capital and Talent Requirements29:23 Nomura's Long-Term Vision30:12 Nomura's Wealth Management Legacy30:49 Expanding in the US Market31:32 Japanese Investment Culture32:07 Open Architecture Strategy32:34 Global Network and Client Access34:32 Challenges of Working with RIAs36:19 Fiduciary Alignment37:04 Partnerships and Client Success37:56 Strategic Acquisitions39:50 Evolution of the RIA Segment44:44 Long-Term Business Planning46:39 Future of Private MarketsEditing and post-production work for this episode was provided by The Podcast Consultant.

Well, entirely predictably, the debate about selling state assets has already kicked off ahead of election year - with Winston calling the idea a 'tawdry, silly argument'. And Chris Luxon then shooting back that Winston's view is not surprising, because he's been there for 50 years, for goodness' sake, he's got a lot of entrenched views. I'm actually surprised that Luxon and National are prepared to take this to the election, because you can already see it, right? You know how it's gone in the past, this is going to get heated. And National is not really known at the moment for having the stomach for potentially unpopular ideas, so good on them for doing it - cause this has got to be done, if only to inject some private sector work ethic into these places. I don't even know if I need to lay this argument out for you, but I will: We know that the public sector is slower to get things done than the private sector, we know it's more likely to waste money, we know it's less likely to make money. We got the figures last week, just on sick leave. Public sector workers take more sick days than private sector workers. The partial sale of the power companies that happened under John Key's watch has already proved what can happen if you get some private discipline in there. I mean those four power companies are now worth twice what they were when we sold half of them, so we haven't lost any value. And they pay more dividends, and we got to put money in our pockets. And they've proven that we can do things differently to the way that it was done in the 80s and 90s, which freaked out Winston with the 100 percent sale of things like BNZ, 100 percent of BNZ, 100 percent of New Zealand Rail, 100 percent of Petrocorp. We can sell 49%, less than half and we can still control the business. We get the money out of it though, we get some discipline into it and we make even more money from it. Now, of course, I think the power company sales are an example of it going well. Others will blame those same sales for a drop-off in investment in renewable energy generation or an increase in power prices - which is exactly why this will be a contentious debate, because we all see it differently. So good on the Nats for having the courage, by the looks of things, to go there next election. LISTEN ABOVESee omnystudio.com/listener for privacy information.

As one coalition partner speaks against asset sales, another is keen to welcome them with open arms. The Prime Minister reiterates he's ruled them out this term, but is keen to reconsider them in future, saying legitimate conversations should be held. New Zealand First's Winston Peters says he's going to stop the country's assets from being sold. "The reality is, the name of this game is getting an asset and extracting the maximum amount of value out of it for your your workforce, for your wealth, for your economy. Other countries do that, why don't we?" LISTEN ABOVESee omnystudio.com/listener for privacy information.

Hello, listeners, and welcome back to First Principles, Episode 48, or the 7th episode of season 3. This is part 1 of the conversation.The host, Rohin Dharmakumar, first crossed paths with Deepak Abbot back in April 2015, even before The Ken had been founded. Rohin was chasing down an insightful breakdown of the tech ecosystem's huge user numbers during the Free Basics debate, and Deepak, a veteran operator and former product head at Paytm, was the go-to source for his data-filled, analytical posts.That same data-driven curiosity is what led Deepak to walk away from corporate life in 2019. He was clear: he didn't want to just manage; he had years left to actively "build products, you know, with my own hands". What he built was Indiagold, targeting the massive opportunity of gold in a market VCs often dismissed as an 'old economy product'.In this episode, Rohin sat down with Deepak Abbot, co-founder of Indiagold, to discuss how they are transforming India's massive $1.5 trillion gold reserve—an asset often locked away and doing nothing—into a productive force. Deepak calls this gold a "dead asset" and explains that Indiagold's mission is to change the mindset around it. They are not just giving gold loans; they are monetising a secured asset for the 250 million Indians who are excluded from formal credit due to thin or non-existent credit scores. By enabling customers to safely leverage their gold reserve, the company helps jumpstart a formal credit history and provides essential working capital.Listen in as Deepak charts his operator-to-founder journey, shares how he navigated initial VC skepticism, and details the strategy behind turning a seemingly archaic commodity into a modern fintech solution for one of India's most fundamental credit problems. Plus, a fascinating look inside a unique company culture, including why Indiagold operates without a CEO.*****This episode was mixed and mastered by Rajiv CN.Write to us at fp@the-ken.com with your feedback, suggestions, and guests you would want to see on First Principles.If you enjoyed this episode, please help us spread the word by sharing and gifting it to your friends and family.*****

277 - Unlocking Tax Efficiency and Asset Protection with Stefan Belhomme and Michelle Nice   Welcome to the Real Estate Investor Growth Network (REIGN) with your host, Jen Josey! In this episode, Jen reveals her top 5 tips for launching a profitable short-term rental property, including how to navigate local regulations, maximize occupancy, and create an unforgettable guest experience—perfect for both new and seasoned real estate investors. Jen is joined by specialists from Prudent Wealth Strategies: Stefan Belhomme and Michelle Nice. Together, they dive deep into advanced real estate investing strategies focused on tax efficiency, asset protection, and building generational wealth. Learn about structuring your real estate business for maximum protection, using trusts and LLCs effectively, and why financial education is critical for long-term success. Whether you're just starting in real estate or looking to scale your investment portfolio, this episode is packed with actionable advice on short-term rentals, tax planning, estate planning, and smart business structures. Timestamps: 00:00 – Introduction to REIGN & Host Jen Josey 01:01 – Top 5 Tips for Launching a Short-Term Rental 03:37 – Meet the Guests: Stefan Belhomme & Michelle Nice 05:26 – Importance of Tax Efficiency & Asset Protection 07:11 – Real-Life Examples & Practical Advice 08:43 – Structuring Your Business for Success 10:52 – Ownership vs. Control: Protecting Your Assets 24:10 – Building Generational Wealth with Trusts 26:20 – Ensuring Your LLC is in Your Trust 27:07 – The Importance of Funding Your Trust 27:57 – Handling Assets After Death 29:33 – Educating Clients on Trusts 30:54 – Planning for the Future 34:26 – Real-Life Success Stories 36:46 – First Steps for New Investors 38:54 – The Tax and Estate Academy 40:15 – BADASS Acronym Breakdown 49:51 – Final Thoughts & Contact Information Key topics: Short-term rental investing Real estate investor tips Tax strategies for real estate Asset protection for investors LLCs and trusts explained Building generational wealth Financial education for investors Real-life real estate success stories Don't miss this episode if you want to grow your real estate portfolio, protect your assets, and plan for long-term wealth. Make sure to like, comment, and subscribe for more real estate investing tips from Jen and the REIGN Nation!     Stefan Belhomme is the founder of Prudent Wealth Strategies, LLC and a graduate of Rollins College in Winter Park, FL. He is a Registered Tax Planner and Certified Tax, Trust, & Estate Specialist. Since 2006, he has helped countless business owners and investors utilize advanced tax structures and strategies and understand the rules of the game so they can play it more efficiently. Michelle Nice is an Advanced Tax Consultant & Trust Funding Specialist at Prudent Wealth Strategies, she is also a licensed insurance broker and graduate of Nova Southeastern University, in Fort Lauderdale, FL. Additionally, Michelle is the founder of Wake Up N' Mahj Social Club an American mahjong social club that supports mom & pop businesses around Wake County and the surrounding areas.   Growing up the daughter of a small business owner, the exposure to the risks and ups and downs of owning a business groomed Michelle from an early age, on the importance of maximizing a business's efficiency.   Michelle specializes in helping business owners, investors and families meet their financial goals. Listening to business owners pain points, needs and goals is key to Michelle's success in implementing efficient strategies to achieve the greatest possible outcomes.     Social Media Links:  https://www.youtube.com/@thetaxandestateacademy https://www.facebook.com/thetaxandestateacademy https://www.instagram.com/thetaxandestateacademy/ https://www.linkedin.com/in/stefanbelhomme/ https://www.tiktok.com/@stefanbelhomme https://www.linkedin.com/in/michelle-nice/ Website: https://prudentwealthstrategies.com/     To learn more about Jen Josey, visit https://www.therealjenjosey.com/ To join REIGN, visit https://www.reignmastermind.com/ Stuff Jen Josey Loves: https://www.reignmastermind.com/resources Buy Jen Josey's Book: From Beginner to Badass: https://a.co/d/bstKlby Interested in growing your rental portfolio with Jen as your coach? Check out Rental Property Pro: https://rentalproppro.com/booking?am_id=reign

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Is innovation truly at the center of your agency operations? Not just what you offer clients, but in how you operate? With AI raising expectations faster than most agencies can adapt, investing in innovation isn't optional anymore. It's how you build client trust, stay ahead of disruption, and keep your edge. Today's featured guest unpacks his journey from leading the award-winning agency T3 to launching Superstep Capital, a private equity firm investing exclusively in agency and technology-service businesses. His insights cut through the noise on innovation, leadership, and how to stay ahead of the next big shift. Ben Gaddis still calls himself agency guy. After more than a decade building T3 into one of the nation's leading digital agencies, serving clients like UPS, 7-Eleven, and JP Morgan Chase he sold the company and launched Superstep Central, a private equity firm investing in agencies and tech service businesses. When he sold T3 to a private-equity group, he didn't ride off into the sunset. Instead, he crossed over to what he calls "the dark side," founding Superstep Capital. Now, he defines his mission as redefining what private equity looks like in the agency world by partnering with founders to scale the right way. In this episode, we'll discuss: Going all-in on the next wave before clients catch up. Why innovation should be treated as an expectation. Lessons on creating a leadership structure. Why differentiation still wins. 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. Go All-In on the Next Wave Before Clients Catch Up Ben's family has been running T3 since he was born, so it made sense to him that he'd eventually end up in the agency world. Hence, he started his career working at Omnicom, learning from their biggest competitors, and was around when mobile apps became a thing after the launch of the iPhone. At Omnicom Ben saw how traditional holding companies were too slow to invest in mobile. He didn't hesitate to seize the opportunity that mobile presented. Frustrated, he took over T3 and bet big on the emerging mobile market. That bet paid off with marquee wins and explosive growth, scaling the agency to $50 million in revenue and around 300 employees. His advice for agency owners today echoes that same spirit: burn the boats. You can't half-commit to a new capability and expect to lead it. You can't expect clients to lead you there. If you want to own a new channel, whether it's AI, automation, voice, whatever's next, you have to invest ahead of demand and prove value before anyone asks. If you wait for client demand before you invest, it's already too late. Innovation Isn't a Slogan, It's an Expectation At T3, Ben created a culture where innovation wasn't just encouraged; it was an expectation. So they turned innovation into a measurable habit by creating an "Innovation Match" program where they matched a portion of a client's spend dollar-for-dollar on experimental projects. Clients got to share in the risk and the reward. Those projects became T3's biggest success stories and built a reputation for fearless creativity. T3 chose projects and built roadmaps alongside the clients. turning them into true partners in innovation. The coolest work the agency ever did ended up coming from that program. It even led to another venture project called T3 Ventures, where they invested in c-stage startups. It was all about surrounding his team with people who were doing the newest and coolest stuff and letting their clients see this. It worked much better to show innovation than to just talk about it. Innovation has to live in your budget, not your buzzwords. When your team sees that experimentation is backed by leadership, and even matched financially, they'll start bringing the bold ideas that set you apart. This" Innovation Match" model is a playbook for modern agencies trying to make innovation a repeatable, funded process. Leadership Has to Grow as Fast as the Agency Early on, Ben was a young CEO trying to manage instead of lead. He assumed people could read his mind and execute on his vision. That mistake caused turnover and frustration until he hit pause, clarified T3's mission, and re-aligned around a few focused areas: digital products, loyalty, and CRM. From there, he learned to build leadership in layers. Initially, he brought on a COO, which seemed like the next logical move; however, it wasn't the right cultural fit and complicated everything with the team. It wasn't about what his COO changed, it was how they did it… the entire team rejected this dynamic. Eventually, Ben was able to bring in a COO who simplified instead of complicating. It not only freed Ben to think creatively again and gave the agency room to scale, it gave him back his creative headspace. Agency Structure for Scale: Build Practice Leaders, Not Project Managers The other positive change at his agency was creating the "practice groups". Instead of spreading talent thin across random projects, they paired a portfolio lead with a subject-matter expert. Each duo owned a P&L and growth target. The result was deep expertise, repeatable wins, and new verticals that practically built themselves. Their restaurant and convenience-store niche exploded from 2 clients to 30 in record time. This model solves the scaling paradox of how to grow without sacrificing quality. When your experts own both excellence and profit, growth stops feeling chaotic. The last area they focused on was delivery, fighting to maintain quality as they did the newest thing. In the end, it came down to setting expectations and aligning with clients around what they were bringing to the table. As a result, quality went up. AI, Sales, and What's Next for Agency Growth On the investment side, Ben sees a lot of agencies struggling with hesitation and "no-decision" deals. AI has amplified expectations while compressing margins. Many clients now assume everything can be automated, expecting greater output for less cost. Thankfully, this trend has decreased, as clients were burned by this overreliance on AI. On the other hand, it's clear to Ben that agencies should and must be faster and more efficient, and agencies with a clear understanding of what they do and who they serve are not blindsighted by this new reality. His advice: AI isn't differentiation, it's amplification. The edge comes from how you apply it, not the tools themselves. Know your vertical, know your data, and connect AI to real business outcomes. The agencies that win are the ones that define how AI fits their process - not the other way around. Why Differentiation Still Wins in the AI Era The agencies and individuals winning right now aren't the ones with the fanciest tools or the most automation; they're the ones combining experience, curiosity, and creativity to use AI in smarter ways. Ben shares the story of an account manager who built her own workflows using AI to research verticals, anticipate objections, and walk into client meetings armed with strategic ideas that wowed executives. She wasn't a technologist, she was a strategist who understood her clients deeply and used AI as a force multiplier. That's the real edge in this new era. Tools are accessible to everyone, but insight and application are not. As Ben points out, it's your data, your intuition, and your industry expertise that make AI valuable. AI doesn't replace strategy, it rewards it. The agencies that know their data, their clients, and their niche will always have the edge. 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.

When you retire, your investment strategy shouldn't look the same as it did during your working years. The way down the mountain is different and more challenging than the climb up. In this episode of Wise Money, we're walking through five retirement investment strategies, explaining the pros and cons of each, and helping you determine which approach is best for your situation. From dividend investing to the personal pension plan, discover how to manage risk, protect your income, and keep your retirement on track. Season 11, Episode 12 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/vl-jAU5wWAg  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 Friday Q&A tackles a familiar voice: Bitcoin Bob tries again to make the case for crypto as protection against currency debasement. Don breaks down what “debasement” actually means, why inflation gradually reduces purchasing power, and why Bitcoin's extreme volatility makes it a poor replacement for the U.S. dollar. Productive assets remain the historically reliable hedge. Then: a comparison of target-date funds vs. a DIY three-fund portfolio, guidance for a couple aiming for early retirement with multi-account withdrawal planning, a discussion of equity/bond allocation in personal portfolios, and what might happen to the small China exposure inside global funds if geopolitical tensions escalated into war. 0:04 Friday Q&A intro and request for more listener questions 1:33 Bitcoin Bob returns: what “currency debasement” means 4:34 Bitcoin vs. the dollar: volatility and why stability matters 6:59 The real hedge: productive global assets over speculative tokens 8:29 Target-date funds vs. a three-fund portfolio in retirement 10:32 Asset allocation control vs. glide path defaults 11:20 Early retirement scenario: withdrawal sequencing, 72(t), and risk tolerance 14:55 When to add bonds and why emotional behavior matters 16:00 Don's and Tom's current equity/bond allocations 17:07 If the U.S. and China went to war: what happens to VT's China exposure? 20:26 Why global diversification limits catastrophic loss Learn more about your ad choices. Visit megaphone.fm/adchoices

Apple last week reported its fiscal fourth quarter, so Dave and I take a quick look at numbers and see where the revenue is coming from. We also talk about the reasons GM is ending support for CarPlay and Android Auto for future cars and reports that the next version of Siri will be powered by Google's Gemini. Brought to you by: CleanMyMac: Get Tidy Today! Try 7 days free and use my code DALRYMPLE for 20% off at clnmy.com/DALRYMPLE Show Notes: World Series Apple reports fourth quarter results Enjoy CarPlay while you still can CarPlay Seems Essential for Rental Fleets Canva buys Affinity, Adobe should be worried Siri and Gemini Shows and movies we're watching The Asset, Netflix A History of Rock Music in 500 Songs Mr. Scorsese

RIA Advisors' Financial Guardrails are timeless principles for building lasting wealth and protecting your financial future. Richard Rosso, CFP®, shares insights from decades of experience helping investors avoid common pitfalls and build financial wellness that lasts generations. From annuities and debt control to emotional investing and realistic return expectations, these guardrails are designed to keep you on track — no matter what markets do. 0:20 - Rules Can Save You in a Turbulent World 3:17 - Annuities Should Be Planned, not Sold 9:34 - A Home is a Liability, not an Asset 12:37 - Setting Good Financial Boundaries with Adult Children 15:25 - Debt Control & Savings Priorities 17:45 - Dealing with Student Loan Debt 19:33 - Personal Un-secured Debt - Credit Cards 22:03 - Good Health in Retirement 24:15 - Realistic Projections, Time Horizons, & Inflation Factors 27:33 - Be Vigilant of Confirmation Bias & Emotion 32:35 - Create a Household Wellness Evolution Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=MM5vwaXJyls&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=8s ------- Articles Mentioned in Today's Show: "The RIA Financial Guardrails" https://realinvestmentadvice.com/ria-e-guide-library/ -------- The latest installment of our new feature, Before the Bell, "Buy-the-Dip Isn't Dead Yet" is here: https://www.youtube.com/watch?v=UU_zCk3hYhs&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our Previous Show, "Nvidia's Money Loop: Smart Move or Red Flag?," is here: https://www.youtube.com/watch?v=PBMx8sckBhk&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=5s ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #FinancialPlanning #WealthManagement #InvestingTips #RetirementPlanning #MoneyMindset

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

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

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

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

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

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