Podcasts about averaging

The episode of the PRmoment Podcast titled “PR Pitch Hacks” features host Ben Smith in conversation with agency Hannah Sharratt of Axe & Saw, exploring how PR pitching currently works and how it should evolve. Ben opens by noting that pitching, alongside timesheets and AVE, is one of the most emotive issues in PR, with recent years marked by excessively long shortlists, reverse pitch auctions and widespread ghosting of agencies. Here is the link to a previous PRmoment Podcast with Tui's Amy Dowling, where she outlined a recommended 12 stage PR pitch process.He argues that in‑house teams often overcomplicate what should be a structured, courteous process, and that following a clear best‑practice model would save agencies time and deliver better client–agency fit.Hannah, who likens pitching to dating with its “icks, tricks and hacks,” describes both the traditional pitch process and her more disruptive alternative. Traditionally, brands move from longlist to shortlist, run chemistry sessions with three or four agencies, issue a written brief, then hold pitch meetings where agencies present polished strategies and big ideas before a Q&A, followed by a delayed decision and often poor feedback. From an agency standpoint, chemistry sessions are critical for understanding how clients think, why the brief exists, what their vision is, and who the real decision‑makers are. She stresses the need to research and challenge in advance to bring a point of view, not just show up passively.Hannah's proposed four‑step model retains the chemistry session but demands a much clearer, more brief. She insists on explicit budgets, not necessarily large but realistic, so agencies can shape ideas to fit. She also wants success metrics and decision‑maker clarity set out from the start. Her major innovation is replacing traditional pitch theatre with a live workshop. In this setup, the brief lands shortly before the meeting—perhaps 24 hours in advance—and the pitch itself becomes a collaborative working session. The agency leads, dissecting the brief, challenging assumptions and building ideas in real time with the client. She argues that this is far better for assessing how an agency thinks, responds under pressure and will work day‑to‑day than judging them on speculative deck polish. This is reinforced by her estimate that only about 10 to 15 percent of pitched ideas are ever implemented once legal, brand and procurement weigh in.The conversation also covers red flags and etiquette. For Hannah, no budget, fuzzy timings, overlong unfocused briefs and “blue‑sky thinking” requests without a defined sense of “bold” are strong warning signs. She is particularly wary of tissue sessions dominated by junior stakeholders that send agencies down the wrong path before senior decision‑makers appear at the final pitch. On ghosting, both she and Ben are blunt: decisions should come within 10 days to two weeks, and losing agencies deserve meaningful feedback, ideally via a phone call.Finally, they discuss how independent agencies like Axe & Saw use pitching strategically. Averaging roughly one pitch a week has helped them nearly double revenue in a year, but Hannah emphasises intentional growth: each win should either pay the bills or shift the agency's trajectory, and profile is built as much through consistent, visible work as through formal announcements and awards.“I think pitching, agency pitching, is like dating. Everyone loves to talk about the icks and tricks and the hacks, and everyone gets very heated and irate.”— Hannah Sharrett, [0:01:58]“We've seen extraordinarily long long lists, reverse pitch auctions, and loads and loads of ghosting… it's one of those topics that always stirs the passions, particularly with agency folks.”— Ben Smith, [0:00:03]“I don't think it should be slick‑Rick presentations at all. I think the best pitch should feel like a live working session.”— Hannah Sharratt, [0:03:16]“If they can't make a decision throughout the pitch process, that probably suggests they can't make a decision that easily throughout your working relationship.”— Hannah Sharratt, [0:06:29]“I'm actually not looking for the biggest budget. I'm looking for the most honest conversation about where the budget actually is.”— Hannah Sharratt, [0:03:16]“In a dream world, 10 days, max two weeks. Anything longer than two weeks is offensive, or you can't make a decision.”— Hannah Sharratt, [0:11:42]“If you don't win, proper feedback is the most valuable thing you can give an agency. It's the one thing that says, ‘This hasn't all been for nothing.'”— Hannah Sharratt, [0:11:42]“If a client says they want bold but they can't define what bold means to them, they're probably not ready to buy bold.”— Hannah Sharratt, [0:17:39]“Bold without a budget—that's the ultimate destructive combo.”— Hannah Sharratt, [0:18:43]“Every pitch matters because every client changes your trajectory.”— Hannah Sharratt, [0:24:48]

This playlist is 73% vinyl friendly. Not bad. The ‘cack handed’ HMV 1507 portable radiogram. When from? It’s old. An online post from nearly two decades ago… ‘… came across this rather strange record player, though quite admirably I resisted buying it! The casing is a bit weird in that the lid seems to cover the entire thing rather than sitting on a bottom half. Then a closer look at the record deck itself made me wrinkle the noble brow in surprise. The pickup arm rests at 90 degrees to the usual resting place. It looks almost back to front! Unfortunately it didn’t have a maker’s or model name, so unless someone can identify it and leave a comment then it will have to remain a mystery for another ten years or so… ‘ And then a decade later, the answer… ‘Your cack handed record player is an HMV 1507 portable radiogram. The type C cartridges almost never work when found now. It’s a cack handed design alright. The radio part is a transformerless AC/DC design but the record deck motor is AC only. Any track marked * has been given either a tiny or a slightly larger 41 Rooms tweak/edit/chop and the occasional tune might sound a bit dodgy, quality-wise. On top of that, the switch between different decades and production values never helps in the mix here. Lyric of Playlist 153 Gil… by a mile! 00.00 (Intro) THE FLAMINGOS – Stars (Edit) – Unreleased demo – 1983. Episode #1 for info. 00.41 NEW ORDER – World (The Price Of Love) (Perfecto Mix) * – 12″ – London – 1993 Nineties house music legend and a fave remixer of the band, Paul ‘Perfecto’ Oakenfold adding some clout and drive to an already sparkling song that, if I’m honest, didn’t in its era always transfer successfully to a live setting. Some of what was floating Oakenfold’s DJ’ing boat back in the day. DJ mag article, 15.10.94 06.51 BESERK IN A HAYFIELD – Club Paris – Cold Waves Of Color Volume 3, v/artists LP – Color Disc – 2016 ‘Packaged in a fancy pants paper cut Whoever Beserk In A Hatfield was/is, their mid ’80s output has regularly featured on re-activated label, Color Disc’s compilations… and they’ll be back here. 10.03 CHRISTIAN PROMMER (feat JUSTINE HOERWARTH) – Tryin’ Times – Rhythmique Nocturne, 2LP – Compost – 2026 Tryin’ Times? Ain’t they just! Maybe not a stream of consciousness in the vocals/lyrics department, at times they’re on more like a bit of a languid ramble… up against busying keyboards that occasionally remind me of Keith Jarrett… but it works! Classy Prommer over some ‘transparent splatter’ vinyl, with a ‘silver particles print’, to boot. 15.24 WATER FROM YOUR EYES – Nights In Armor – It’s A Beautiful Place, LP – Matador – 2025 That’ll be tears then. A duo out of Brooklyn, New York with more motif biziness and on exclusive ‘Clear Blue Smoke’ (with a signed 12″x12″ print, 500 copies) or ‘Coke Bottle Green’ vinyl. 18.34 LA RISSA – Surrender – Download only – 2026 Still with duos but from Brooklyn to Bradford, and never has ‘I wanted to knock your fucking lights out… ‘ sounded so dark wave pop. 22.45 BLONDSHELL – Heart Has To Work So Hard – Download only – 2026 Vocalist, Sabrina Teitelbaum is for some unclear reason doing her best to physically show us her heart on the accompanying promo shot (upcoming Violins album cover?) and I get the feeling her sound is possibly influenced by a bunch of bands in the ’90’s and noughties that passed me by. Could be wrong. 25.53 CABARET VOLTAIRE – Just Fascination (live) – But What Time Is It Really? LP – MemeTune – 2026 Given that the whole album was ‘Recorded on the UK tour Oct-Nov 2025’ and I was at four of the six dates, there’s a 66% chance I was at this performance and that of each of the other tracks. And as it stands right now, I’ll be at the last three of their last ever gigs come October 2026. An iconic and groundbreaking band bowing out, forty four years after I first saw them, below in 1982. 29.46 A CERTAIN RATIO – And Then Again (Flight 12″ version) – 12″ b-side – Factory – 1980 Simon Topping’s vocal on any ACR is such an era capturing moment for me. I can nearly feel the people, ‘sense’ the places etc I knew then. Thanks to the band’s gigography it seems though this track is not one I heard them play live in the times (including the above) I saw them before Topping’s departure in late ’82. 32.14 LONELADY – The Catcher – Former Things, LP – Warp – 2021 Julie! New music, if you please! Best, Dec. 36.29 THE DURUTTI COLUMN – Liars – Renascent, LP – London – 2026 Vini Reilly’s first album in fifteen years… and with maybe more lyrics on this track than on his entire back catalogue! Good to have him back. 40.13 BROKEN SPINDLES – Induction – Fulfilled / Complete, LP – Saddle Creek – 2004 A 180g vinyl album maybe before they became all the rage? Dunno, I lose track of time. Anyway, Broken Spindles was one Joel Peterson and the many layers Fulfilled / Complete was the second of six album sized projects he/it/they released in the noughties. I often wonder what peeps do when they stop making music… and I always hope it’s ‘keep being artistic’ 43.01 RAE & CHRISTIAN with TEXAS Vs THE WORKS – Hush (The Works Remix) – Grand Central Vs The Works-The Soul Sessions Vol-1, download only – ?? – 2026 The ‘Texas’ being wholly that band’s driver Charleen Spiteri, and here with a tad more motion/movement/swing than the original beaut. Hush is still lush. 46.51 GIL SCOTT-HERON (with PRETTY PURDIE and THE PLAYBOYS) – 7″ – The Revolution Will Not Be Televised – Flying Dutchman – 1971 Boy, would he have something to say if he were still alive. 49.50 SHY FX & KINGH – La Prima (B-side) – Download only – 2026 With a third of the utuuuube views that the dub-step’y and longer version has attained in the two months since release but this funkier take is the proper version. 51.16 DOROTHY ASHBY – Soul Vibrations * – 7″ – Cadet – 1968 In her time, a jazz harpist of some standing, with both the album (1968’s Afro-Harping) this cinematic feel track leads off and the single itself now costing serious money in their original form. 54.24 PATRICK COWLEY (feat PEGGY GIBBONS) – Ice Age – Hard Ware, 2LP – Dark Entries – 2025 Whether Ms Gibbons sounding a lot like Donna Summer was a coincidence or Cowley ideally would have liked the latter to get involved on this simple plodder I’ll never know but at least he got to later remix I Feel Love. 01.00.27 SHEILA CHANDRA – Satyam, Shivam, Sundaram – The Struggle, LP – Indiepop – 1985 After her Monsoon ‘Ever So Lonely’ days but she was still crossing over. 01.05.09 JAZZ THE GLASS – MeMorY PalacE – Download only – 2026 Dunbar in the area! Averaging a 41 Rooms appearance roughly every ten shows but in case there’s any suggestion of nepotism, with a whole bunch of tunes I haven’t played. 01.08.12 JC-001 – All My Children (Mother’s P-Phunk Mix) (41 Rooms – edit) * – 12″ – Anxious – 1993 A massive 41 Rooms edit to be honest… and if I was ever to have carried on DJ’ing, I’d have maybe opened any set with the a cappella of ‘All my children now… ‘ An idea to others? You’re welcome. 01.11.39 SIOUXSIE and THE BANSHEES – Happy House – 7″ – Polydor – 1980 Siouxsie once said of this, the band’s second top 20 hit: “It is sarcastic. In a way, like television, all the media, it is like adverts, the perfect family whereas it is more common that husbands beat their wives. There are mental families really but the projection is everyone smiling, blond hair, sunshine, eating butter without being fat and everyone perfect“. 01.15.03 EYELESS IN GAZA – (Across The) Pulse Of The Rain – Mania Sour, CD only – Ambivalent Scale – 2014 Often performed live in early EIG gigs but it took thirty plus years for them to lay down a studio version… and apologies for the slightly brutal intro I edited. 01.17.25 THE SOUND – Unwritten Law (Mike Read session, BBC Radio 1, Oct 1980) – The BBC Recordings, 2CD only – Renascent – 2004 Those BBC sessions – produced in just a few hours – very often turned up superior versions and though I’d possibly be outvoted on this, with more edge in the production and presence in the vocal I prefer this take to the one on their debut album, Jeopardy. 01.21.00 MISTY IN ROOTS – Wise & Foolish (John Peel Session) – The John Peel Sessions, CD only – Strange Fruit – 1995 For me, they were absolutely flying in their earliest (1979-1980) JP sessions, with Wise… being from the third of the nine they did for the great man. 01.25.49 MOUTH – Voyage To The Bottom Of The Sea – Voyage To The Bottom Of The Sea, 12″ EP – Emotional Rescue – 2016 Released thirty five years late(r) but added here to their only ever releases (2 singles)… and that’s definitely Mark Stewart ranting in there at the end. 01.32.24 BLACK UHURU (feat MICHAEL ROZE) – Party – 7″ – Ajang – 2000 A tough reworking of the band’s Party Next Door from 1983. 01.35.43 LADY BLACKBIRD vs CROOKED MAN – When The Game Is Played On You – Crooked Spirituals 12″ EP – Foundation – 2025 The power of electronics – in this case Sheffield-based Richard Barratt – reeeeally adding to a great vocal. 01.41.09 CARON WHEELER – In Our Love (Club Remix) – 12″ – EMI Records USA – 1992 One of a number of tunes she released after her Soul II Soul days proving she was making some top tunes post Jazzie B. 01.44.58 MARXMAN – Theme From Marxman – 33 Revolutions Per Minute, LP – Talkin’ Loud – 1993 ‘Marxist Hip Hop group, formed 1989 in London. Consisting of Bristol MC’s Hollis Byrne (H) and Stephen Brown (MC Phase) and Oisin Lunny and DJ K One from Ireland‘. – Discogs Were they the first hip hop act to play on the ‘revolutions per minute’ thing? 01.48.11 TALKING HEADS – Take Me To The River – 2×7″ – Sire – 1978 David Byrne sounding in less of a hurry to get to the water than Al Green on the original. 01.52.58 SOUL II SOUL – Back To Life (Club Mix) * – 12″ – Ten Records – 1989 Just a couple of tunes along, Caron Wheeler returns with the song she’ll always be remembered for. Show 154 will be with you Aug 2. Dec x The post Post Punk Plus Podcast Playlist 153 – Original upload 5.7.26 appeared first on 41Rooms.

Progressives in San Francisco are continuing to take stock following last week's election with their candidates and ballot measures going down to defeat. To tell us more, KCBS' Rebecca Goodeyon spoke with KCBS Insider Phil Matier.

Book a call: https://remnantfinance.com/calendar Out Print the Fed with a 1% target per week: https://remnantfinance.com/optionsEmail us at info@remnantfinance.com or visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588)Twitter: @remnantfinance (https://x.com/remnantfinance)TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBE_____________________________In this episode, Hans tackles the two questions every listener is asking right now: is AI a bubble, and why does the market keep hitting record highs while everyone feels anxious? Then he dismantles what he calls the "holy grail" of mainstream financial planning, the average rate of return. Using the exact numbers from a popular Dave Ramsey article, Hans proves that a projected $2.6 million retirement would have actually delivered far less, even with perfect hindsight and zero down years to spare. If you've ever been shown a smooth, parabolic growth chart by an advisor, this episode will change how you read it forever.Chapters: 00:00 – Opening segment 00:35 – Two things at once: record highs and record-low sentiment 02:10 – The cash flow vs. net worth philosophy 04:30 – Building a guaranteed cash flow floor instead of chasing FOMO 07:25 – Is AI a bubble? Bubbles with value vs. bubbles without 13:40 – Why AI is shattering earnings: more profit on a shrinking workforce 17:25 – The companies that won't survive the shakeout 22:30 – Oil, the Fed, and why rate cuts don't move the market like they used to 27:50 – The myth of the perfect parabola 29:25 – Math is not money: the grift in action 33:40 – $2.6 million vs. reality: running 30 years of actual market data 36:20 – Grifter math and the 34% shortfall 38:35 – The erosion of the castle: layering in fees and taxes 43:50 – Why you only get one shot at this 45:00 – Where guaranteed compounding actually lives 50:40 – Closing segmentKey Takeaways:Two opposite things can be true at the same time. The stock market has hit roughly 21 record highs this year while consumer sentiment sits near historic lows. Understanding why both exist at once is the key to reading today's economy without panic or FOMO.Cash flow beats net worth. A large, untouchable retirement account at 65 is worth less than a guaranteed, steadily increasing floor of monthly cash flow you can rely on. Build the floor first, and the question of "what will my 401k be worth?" stops mattering.Record profits are coming from shrinking workforces. Companies are blowing out earnings reports by replacing expensive human labor with cheap AI tools. Same revenue, drastically lower cost, and profit margins explode. That is why the market climbs while sentiment falls.The average rate of return is a meaningless metric. The math is correct, but the money is wrong. Averaging 100% gains and 50% losses says you made 25% a year, when in reality you broke even or worse. Averages hide the gravity of negative numbers.The projected $2.6 million was never real. Using the exact data behind a Dave Ramsey 12% claim, $100,000 over 30 years should have grown to $2.585 million. Run the actual year-by-year returns and you end up with $1.72 million, a shortfall of roughly $857,000, with perfect hindsight and only six down years.Guaranteed compounding only exists in one place. Every other vehicle, from high-yield savings to MicroStrategy preferred shares, has rates that fluctuate. Contractual, uninterrupted compounding growth lives only in whole life cash value, where the best case is the case you actually get.

Plus Tanner Horner sentenced to death for killing 7-year old Athena Strand, two people were killed and three were wounded by gunfire at K-Towne Plaza in Carrollton's Koreatown, Firehouse is giving out free medium sandwiches to anyone named with a Mike-like name, and more!

This year's “fastest two minutes in sports” was viewed by a record audience over the weekend. Correspondent Gethin Coolbaugh reports.

Rapper Offset, Cardi B's ex, was shot in Florida last night. Savannah Guthrie returned to The Today Show yesterday. Caitlin Clark gets a 521% salary bump. Let's eat the headlines: The ‘Lord of the Flies' trailer is gross; Kim Kardashian is Instagram official with Lewis Hamilton. The Artemis II mission is creating more space buzz than we've seen in a long time. Bay area gas prices are now AVERAGING over $6 a gallon. How are you? Never better. What generation has the biggest sweet tooth?

Hour 1: Rapper Offset, Cardi B's ex, was shot in Florida last night. Savannah Guthrie returned to The Today Show yesterday. Caitlin Clark gets a 521% salary bump. Let's eat the headlines: The ‘Lord of the Flies' trailer is gross; Kim Kardashian is Instagram official with Lewis Hamilton. The Artemis II mission is creating more space buzz than we've seen in a long time. Bay area gas prices are now AVERAGING over $6 a gallon. How are you? Never better. What generation has the biggest sweet tooth? Hour 2: Email us your problems! We can (probably) help! badadvice973@gmail.com. Scammers never stop. The Artemis II crew got a call from Ryan Gosling. Jimmy Kimmel made four, twenty minute weed focused documentaries. Vinnie prefers the classic stoner comedies. Tattoos are totally mainstream now, huh? One guy's TikTok just saved a bakery! And, another feel-good story about bowling. Big Bear Lake is home to 2 new bald eagles! If you're a young adult living with your parents, you're not alone. Hour 3: We know who's replacing Stephen Colbert after his show ends in May. Bob says she'll be watching Hot Ones instead. Kim Kardashian is in the news… so is Kanye. ‘Weapons' writer is creating a spin-off for Aunt Gladys. Is asking for free stuff on the internet a trend? What do you do after Ozempic? Get divorced. Vinnie's telling us about the stickiest cities in America. Hour 4: Dallas Little insists his AI artist should be respected. We're not so sure. What is art anyway? Judd Apatow's new movie stars Glenn Powell as a country western star in free fall. Lady Gaga abruptly cancels a show. A school board member has been living under a rock. At least that's the only way to explain his disgusting behavior. In more harmless news, a grocery story ordered WAY too many bananas. Plus, When Did That Happen?

Since October 2024, people in South Cobb have been able to reserve on-demand transit through the CobbLinc Go pilot program. The public transit, two-year program, provides "curb to curb" service for passengers over 26 square miles across Austell, Powder Springs, and southwestern Marietta. It’s similar to requesting an Uber or Lyft, but at a cost of $2.50 per ride. Drew Raessler, who serves as the director of the Cobb County Department of Transportation, joins "Closer Look" to discuss the success and challenges of the program and to provide an update about the possibility of expanding the program to other cities in Cobb County. Also on today’s “Closer Look,” The performances of Echoes of the Storm: 20 Years After Katrina recalls the tragedy and resilience of those impacted by the massive Category 5 hurricane. The Apollo Theater, the National Black Arts Festival, and Spelman College collaborated to produce the six 10-minute plays. Leatrice Ellzy, president and CEO of the National Black Arts Festival, and Aku Kadogo, a senior instructor in Spelman’s theater department, spoke with “Closer Look” host Rose Scott about the production.See omnystudio.com/listener for privacy information.

Most investors think their biggest losses come from bad picks. They don't. They come from blind spots. In this episode, Andy Tanner, Corey Halliday, and Noah Davidson unpack the psychological traps that quietly sabotage traders and investors. Sunk cost fallacy. Anchoring to past prices. Averaging down to "get back to even." Overconfidence disguised as conviction. These aren't strategy problems. They're belief problems. You'll hear why price alone tells you nothing about value. Why holding a loser to avoid admitting you're wrong is often the costliest decision you can make. And why the real edge in trading isn't prediction — it's risk management. The conversation moves beyond tactics and into self-awareness. Because markets don't just test your capital. They test your identity. Are you managing risk — or defending your ego?
Are you following a plan — or reacting to discomfort? This episode isn't about a new indicator or a better entry signal. It's about understanding how your own thinking can distort decision-making — and how disciplined investors structure their process to prevent small errors from becoming permanent damage. The market is rarely the enemy. Unexamined assumptions are. Want to Learn More? – Explore free education and tools at cashflowbonus.com to strengthen your investing foundation – Keep building your financial education at yourinvestingclass.com.

Narit Chotikavanic's story is truly a testament that belief and persistence can outlast recognition. As a senior at Plano East High School, Chotikavanic went undefeated on the way to a Texas 6A state championship—yet still drew minimal Division I interest. Now a sophomore at Stephen F. Austin, he's playing a meaningful role in the Lumberjacks' historic 24–3 start. Narit committed to a Division 2 school (West Texas A&M) out of HS and despite the belief he was a Division 1 player, the freshman saw hardly any action in the first half of the season. Chotikavanic continued to work and finished his season with ten straight double digit scoring performances, earning the LSC Freshman of the Year honors. Following his belief that he was a Division 1 talent, Narit decided to test out the transfer portal. The portal experience was much of the same attention that he received coming out of high school with only a few schools interested. Betting on himself, Chotikavanic chose to join first-year head coach Matt Braeuer at Stephen F. Austin—a decision already paying off. Averaging just under double digits, shooting 40% from three, he has become a key contributor on one of the best teams in program history. With conference championship aspirations and multiple seasons still ahead, Chotikavanic's story is far from finished—and his breakout may only be the beginning. Available wherever you get your podcasts. Subscribe @Notevend2 ... Enjoy the episode!

DJ & PK chronicled what went wrong for BYU in their latest loss to the Arizona WIldcats and what they need to do to turn things around.

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It's a weird time for jobs numbers. Another month, another jobs report pushed back by the Bureau of Labor Statistics. Averaging two private sources, ADP and Revelio Labs: an estimated 4,500 jobs were added in January. Sounds like … not many. And, yet, the unemployment rate hasn't seemed to have risen. This might be, in part, due to the Trump administration's immigration crackdown. We'll explain through the story of one Angeleno.On today's show, how bad are these job numbers? Or are they not bad at all? And what does immigration have to do with it? Related episodes: Can we still trust the monthly jobs report? (Update) What you need to know about the jobs report revisions What really goes on at the Bureau of Labor Statistics (Update) For sponsor-free episodes of The Indicator from Planet Money, subscribe to Planet Money+ via Apple Podcasts or at plus.npr.org. Fact-checking by Sierra Juarez. Music by Drop Electric. Find us: TikTok, Instagram, Facebook, Newsletter.  Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

The term averaging can be confusing for newer traders. In simple terms, it means entering a stock at one price and then adding more shares later, which creates an average cost basis based on how many shares were purchased at each price. Buying at higher prices is known as averaging up, while buying at lower prices is averaging down.In this episode, we take a deeper look at the pros and cons of the three different ways traders add shares to a position. These approaches I refer to as professional, risky, and deadly — and understanding the difference may be the key to avoiding a trade that never ends.Episode Resource: youtu.be/7eT7kjkq4NA?si=fDDXhv8t8KCkHclqSet up a free coaching session with Paul:https://calendly.com/dts-paul/coaching-session-w-paulThe DTS Free Stuff Page:https://disciplinedtradingstrategies.com/free-stuffTo learn more, visit:http://disciplinedtradingstrategies.comListen to more episodes on Mission Matters:https://missionmatters.com/author/paul-lange

On this lively episode of The Valley Today, host Janet Michael sits down with Brady Cloven, executive director of Friends of Old Town, and Corporal Rob Sloan, the City of Winchester's dedicated Old Town walking mall officer. Their conversation offers a behind-the-scenes look at how visibility, relationships, and everyday interaction help keep downtown safe — and welcoming — for residents, businesses, and visitors alike. From Fairfax to Foot Patrol After more than three decades in law enforcement, Corporal Sloan brings a wealth of experience to Winchester. He spent 28 years with Fairfax County Police before relocating north to finish his career closer to home. Although the shift from big-city policing to a small-town walking mall might seem dramatic, Sloan says the transition has been refreshing. Unlike the fast-paced environment of Fairfax, Old Town Winchester allows him to interact with people in positive moments — conversations filled with greetings, gratitude, and genuine connection. Those daily interactions, he explains, make the job uniquely rewarding. Why Foot Patrol Makes a Difference Unlike officers confined to cruisers, Sloan spends his shifts walking — a lot. Averaging 15,000 to 20,000 steps per day, he patrols not only the pedestrian mall but surrounding streets and alleys as well. That visibility matters. By walking instead of driving, Sloan builds familiarity. He learns who belongs, who needs help, and how the rhythm of downtown changes throughout the day. More importantly, people learn him — by name, by face, and by trust. As Brady notes, merchants quickly felt more comfortable once Sloan arrived. Business owners gained a consistent point of contact, and open communication replaced uncertainty. Community Policing in Action At the heart of Sloan's role is community-oriented policing — a philosophy centered on communication rather than enforcement. Whether speaking with visitors, checking in with business owners, or engaging with the unhoused population, Sloan approaches each interaction with respect and conversation first. His goal isn't intimidation; it's understanding. He believes relationships prevent problems before they start — and when issues do arise, familiarity helps resolve them calmly and efficiently. Changing Perceptions, One Conversation at a Time Sloan speaks candidly about misconceptions surrounding law enforcement. Too often, he says, people meet police officers only on their worst days. The walking mall offers a different opportunity — one where children can wave hello, visitors can ask for directions, and families can see officers as helpers rather than threats. Janet reflects on how damaging it can be when parents use police as a form of punishment. Sloan agrees wholeheartedly, emphasizing that children should feel safe approaching officers — especially if they ever need help. On the mall, those everyday positive moments help reshape perceptions across generations. A Walking Welcome Center In many ways, Sloan doubles as a roaming ambassador for Winchester. Tourists frequently stop him to ask where to eat, what museums to visit, or how far away certain landmarks are. Those questions have even inspired him to brush up on Winchester history so he can better serve curious visitors. While he diplomatically avoids choosing favorite restaurants, he excels at pointing people in the right direction — often beginning with the most important qualifier of all: How much time do you have? Safety Through Presence, Not Pressure Much of Sloan's work operates quietly in the background. His uniformed presence alone acts as a deterrent — a concept rooted in the "broken windows" theory of policing. Simply being seen reduces problematic behavior before it escalates. From addressing bicycle and scooter concerns on the mall to educating visitors about city ordinances, Sloan emphasizes that enforcement is rarely the first step. Education comes first. Warnings follow. Enforcement becomes a last resort. The goal, he explains, is never to ruin someone's day — it's to keep everyone safe. Balancing a Complex Downtown Environment Old Town Winchester presents unique challenges. The mall functions as a pedestrian space, a residential area, a tourism hub, and — during certain hours — an active roadway. Add e-bikes, scooters, crowded events, and weekend foot traffic, and safety becomes a delicate balancing act. Sloan works closely with Friends of Old Town and city partners to address concerns as they arise. Community meetings allow business owners to voice issues, brainstorm solutions, and ensure their concerns move up the chain. That collaboration builds confidence — and strengthens trust. Events, Energy, and the Pulse of Downtown As the conversation continues, Brady outlines an active lineup of upcoming Old Town events, from winter food competitions to February's packed calendar: A sausage gravy cookoff benefiting local organizations Chocolate Escape, encouraging shoppers to explore downtown stores Spin to Winchester, a fitness-based fundraiser Black History Month events, including jazz nights, storytelling, and cultural programming Restaurant Week, showcasing the city's dining scene For Sloan, attending monthly meetings helps him stay informed — ensuring he's ready for crowds, questions, and changing traffic patterns. A Familiar Face Makes All the Difference As the conversation wraps, one message stands out clearly: people feel safer when they recognize who's protecting them. Seeing Corporal Sloan walking the mall — stopping into shops, greeting regulars, and chatting with visitors — brings comfort. It reassures business owners, enhances the visitor experience, and reinforces Old Town's identity as a welcoming place. In a space that serves as the heart of Winchester tourism and community life, that calm, consistent presence matters more than most people realize. An Open Invitation Sloan closes with a simple request: say hello. Whether someone recognizes him from the radio, the newspaper, or a casual stroll downtown, he welcomes the interaction. Every handshake, wave, or brief conversation strengthens the community he walks through each day. Because at the end of the shift — after thousands of steps and countless conversations — his job is about more than safety. It's about belonging.

Are you looking to save time, make money, and start winning with less risk? Then head to https://www.ovtlyr.com.Markets have been absolutely wild lately. One day we are down hard, the next day we are ripping higher. If that sounds familiar, you are not alone. This kind of volatility is where most traders get shaken out, not because they lack information, but because they keep making the same mistakes over and over again. This video walks straight into those mistakes, calls them out, and explains why consistency in the market has a lot less to do with prediction and a lot more to do with discipline, execution, and risk control.If you have ever said things like “it should come back,” “I'll just give it a little more room,” or “I don't want to sell now because it might bounce,” this one is going to hit close to home. These habits feel normal, but normal behavior in markets usually leads to very average results. And average results in trading usually mean frustration.A big theme here is the difference between thinking like a money-first trader versus a risk-first trader. Most people obsess over how much they might make on a trade. Professional traders obsess over how much they can lose and whether that loss fits inside a clearly defined plan. When risk is handled correctly, the money tends to show up over time without forcing it.There is also a deep dive into why buying the dip can be far more dangerous than it sounds. No one knows how far a stock can fall. Strong trends, on the other hand, often last much longer than people expect. Buying strength, respecting exits, and letting winners run is uncomfortable, but that discomfort is often where consistency lives.Here are some of the biggest mistakes covered in the video, and odds are you will recognize at least one of them:✅ Holding losing trades and hoping they recover✅ Cutting winning trades too early✅ Moving stops instead of honoring them✅ Averaging down without a real risk plan✅ Trading based on emotion instead of executionAnother powerful idea discussed is treating every trade as a completely separate event. Your last win does not guarantee another win. Your last loss does not doom the next trade. When traders drag emotions from past trades into new ones, decision making breaks down fast.The video also explains why understanding overall market direction matters so much. Using objective tools like moving averages removes a lot of guesswork. You may not know how far or how long a move will last, but you can know whether the market is trending up or down. Ignoring that information is how traders get trapped for years.The reality is simple but uncomfortable. Most people struggle in markets not because they are unintelligent, but because they cannot consistently follow a plan. An edge without execution does nothing. Execution without emotional control falls apart quickly.If you want to stop repeating the same mistakes, stop guessing, and start trading with clarity, structure, and confidence, this breakdown will challenge how you think about risk, discipline, and what it actually takes to be consistent. That mindset shift is exactly where OVTLYR separates itself from the crowd.Gain instant access to the AI-powered tools and behavioral insights top traders use to spot big moves before the crowd. Start trading smarter today

Coppernico Metals (TSX: COPR) said it significantly expanded the known extent of surface mineralization and reinforced the scale potential of the Nioc system. Ivan Bebek, chair and CEO of Coppernico Metals, joined Mining Stock Daily on Monday to discuss the company's latest exploration results from the Sombrero Project in southern Peru. Coppernico recently reported 155 metres of continuous surface copper mineralization averaging approximately 0.5% copper at the Nioc target. Bebek explains how detailed geological mapping and channel sampling have now extended high-grade copper mineralization well beyond earlier results. Coppernico is a mineral exploration company. The company's flagship Sombrero project is a land package of approximately 56,400 hectares (564 square kilometres) located in the north-western margins of the Andahuaylas-Yauri trend in Peru. It consists of a number of prospective exploration targets characterized by copper-gold skarn and porphyry systems and precious metal epithermal systems. 

I had the pleasure of co-hosting another episode of Excess Returns with Matt Zeigler.In this wide-ranging conversation, Gautam Baid joins Excess Returns to discuss the principles that shaped his investing philosophy, the lessons learned through bear markets, and why compounding, patience, and quality matter far more than forecasts or short-term performance. Drawing from his books The Joys of Compounding and The Making of a Value Investor, Baid shares a deeply reflective framework for long-term investing, portfolio construction, behavioral discipline, and global diversification, with insights spanning Indian and US markets, liquidity cycles, AI, and investor psychology.Available now on Excess Returns Podcast and Talking Billions.

In this wide-ranging conversation, Gautam Baid joins Excess Returns to discuss the principles that shaped his investing philosophy, the lessons learned through bear markets, and why compounding, patience, and quality matter far more than forecasts or short-term performance. Drawing from his books The Joys of Compounding and The Making of a Value Investor, Baid shares a deeply reflective framework for long-term investing, portfolio construction, behavioral discipline, and global diversification, with insights spanning Indian and US markets, liquidity cycles, AI, and investor psychology.Main topics covered• The asymmetric power of compounding and why being wrong half the time can still lead to exceptional long-term returns• Why patience, temperament, and behavior matter more than analytical precision in investing• The role of journaling in improving decision-making and avoiding repeated behavioral mistakes• How investor sentiment reveals itself through IPO markets and portfolio quality late in bull cycles• Why long-term investing requires continuous monitoring rather than buy-and-forget complacency• Letting winners run, cutting losers, and understanding power-law outcomes in stock markets• Liquidity cycles and how they drive market returns in both India and the United States• How bear markets reshape investing philosophy toward resilience, quality, and diversification• When averaging down makes sense and when it is dangerous• The differences between Indian and US equity markets, valuations, and governance• Why home country bias can be a major risk for US-based investors• AI, productivity, profitability, and where future market winners may emerge beyond mega-cap tech• Why passion for investing matters more than money in sustaining long-term successTimestamps00:00 Introduction and the asymmetric nature of compounding01:00 Gautam Baid's investing background and books03:00 The importance of journaling and learning through bear markets06:00 Investor sentiment, IPOs, and late-cycle market behavior10:20 Long-term investing versus complacency and monitoring risk14:15 Convex upside, concave downside, and letting winners run18:30 Liquidity cycles and lessons from Stan Druckenmiller22:45 Identifying market bottoms and the anatomy of bull and bear markets28:00 Averaging down, quality, and risk management30:30 How bear markets change investor psychology and strategy33:00 Patience, management quality, and long-term optionality36:15 Mr. Market, price signals, and market intelligence39:00 The Federal Reserve, inflation, and asset price dynamics44:00 Understanding the Indian equity market and valuation structure46:45 Why global diversification matters for US investors50:30 AI, margins, and the future of value investing53:00 Passion, purpose, and the psychology of long-term investing54:30 The single most note investors should learn

Photographers sometimes assume luxury is reserved for studios, but today's guest proves that a high-end experience can thrive right inside your clients' homes.Chelsea Hickey, the award-winning photographer behind Chicky Little Photography, specializes in in-home newborn storytelling sessions outside of Boston. Averaging $7,000 newborn sales and $4,000 across all genres, she's built a thriving luxury brand rooted in service, simplicity, and confident systems.In this conversation, Chelsea shares how she made the leap from burnout-pricing to sustainable profit, why luxury is really about ease and service, and how to confidently guide clients through IPS without feeling “salesy.” She also breaks down money mindset, transparent pricing, outsourcing retouching, and why understanding your cost-of-doing-business will completely change your business.If you've ever dreamed of higher sales, smoother sessions, and a brand that feels elevated without being overwhelming, this episode is a game-changer.What's in this episode:[02:00] Chelsea's start in photography and the burnout that forced a pivot[04:00] Why she chose in-home newborn sessions over a traditional studio[05:00] What luxury actually means (and why service is the foundation)[06:00] How she structures her in-home newborn workflow from start to finish[08:00] What Chelsea shifted to average $7K newborn sales[10:00] Reframing IPS as service, not sales[11:00] Overcoming money mindset, and pricing fears[13:00] Working less, earning more, and taking 6–7 vacations a year[17:00] Paying yourself and the tax lesson that changed everything[20:00] Transparent pricing without overwhelming clients[23:00] Outsourcing retouching + why “Who Not How” changed her workflow[29:00] Gift certificates, portfolio building sessions & how to use them wisely[30:00] The first small step toward the luxury market[31:00] Chelsea's courses & resources for photographersIf the luxury world has ever felt like something other photographers could access but not you, Chelsea's guidance will help you see what's possible and what you can start shifting right now.For full show notes, resources, links and to download the transcript, visit our website: https://themilkyway.ca/podcast/Grab your spot for the 2025 Online Newborn Retreat!

The Dynasty Nerds are reviewing the 2025 rookie class at the season's end. Hosts Garret Price and Andrew Mott break down how quarterbacks and running backs have performed, from disappointing debuts to breakout stars. With playoff positioning locked in and the regular season winding down, it's time to assess which rookies lived up to the hype and which ones left fantasy managers wanting more. Listen to This Episode:

NBA Legend Penny Hardaway joins the Hoop Genius Podcast for a rare, exclusive interview! In this episode, Penny responds to Shaq's viral claim that he would be a "Top 3 player ever" without injuries , reveals his future plans to coach in the NBA , and explains why he would dominate today's "drop coverage" defense. Penny opens up about his iconic run with the Orlando Magic, the truth about the Chris Webber draft night trade , and auditioning for Shaq during the filming of "Blue Chips". He also gives his unfiltered take on Ja Morant , the problems with modern AAU basketball causing injuries , and drops his controversial All-Time Starting 5 list. Penny discusses playing alongside Shaq in Orlando, the Finals run, guarding elite scorers, and why spacing, pace, and rule changes would amplify his offensive impact today. He also shares his evolution from NBA superstar to Memphis head coach, his views on AAU development vs European systems, and how basketball IQ separates great players from elite ones. The "What If" Legacy: Penny agrees with Shaq that his IQ, size, and skill set would have put him in the GOAT conversation alongside Jordan and LeBron had he stayed healthy. Modern NBA vs. 90s: Penny breaks down why he loves the current era's spacing but believes he could score more easily today due to the lack of hand-checking and "drop coverage" defenses. Coaching Future: For the first time, Penny explicitly states that coaching in the NBA would "complete the cycle" of his basketball life. Sneaker History: A look back at the Nike Foamposite and why it remains one of the grestest sneakers of all time.

In the frosty confines of Highmark Stadium, the Cincinnati Bengals square off against the Buffalo Bills on Sunday, December 7, 2025, in a pivotal AFC clash that pits two of the league's premier quarterbacks against each other: Joe Burrow and Josh Allen. As Week 14 unfolds, both teams jockey for playoff positioning, with the Bills clinging to a wild-card spot and the Bengals desperate to climb the standings after a rollercoaster start to the season. Joe Burrow, the Bengals' unflappable gunslinger, enters this matchup on a high note. Fresh off a triumphant return from a nagging wrist tweak earlier this year, Burrow has been surgical, posting 19.24 fantasy points in his last outing and ranking as the QB4 overall. His 2025 stats scream efficiency: over 4,000 passing yards, 30-plus touchdowns, and a completion percentage north of 68%. Armed with Ja'Marr Chase's explosive routes and Tee Higgins' red-zone prowess, Burrow thrives in shootouts. But Buffalo's secondary, led by Christian Benford and a resurgent Taron Johnson, will test him—expect Burrow to lean on quick slants and play-action to counter the Bills' blitz-heavy scheme under Sean McDermott. On the flip side, Josh Allen embodies chaos in the best way possible. The MVP frontrunner boasts a league-leading five double-digit rushing touchdowns, blending arm talent with bulldozer mobility. Averaging 25.8 points per game in fantasy terms, Allen's dual-threat nightmare—coupled with James Cook's shifty runs and Khalil Shakir's emergence—makes Buffalo's offense a juggernaut. Yet, Cincinnati's front seven, anchored by Trey Hendrickson and a healthy Sam Hubbard, poses a real threat to Allen's pocket presence. If the Bills' O-line holds, Allen could exploit the Bengals' middling pass defense for chunk plays. Head-to-head history favors Burrow slightly, with a 2-1 edge in regular-season tilts, but Allen's home-field advantage and Buffalo's 6-1 December record tilt the scales. This isn't just a quarterback duel; it's a symphony of stars—Burrow's precision versus Allen's power—where the winner could vault their squad toward January glory. Prediction: Bills edge it 31-27, but don't bet against Burrow's magic. Football at its finest. Music from #InAudio: https://inaudio.org/ Track Name Holy (Trap). Music from #InAudio: https://inaudio.org/ Track Name Exercise (Rock). #Bengals #NFL #OffTheBench

Maddox Batson is 15, doesn’t have a driver’s license, and is somehow getting his first passport so he can head out on a world tour. In this episode, he talks about bringing his entire family on the road, growing up on bluegrass with a mandolin-master dad, and how being homeschooled actually fits with a life of airports, soundchecks, and hotel rooms. He and Bobby get into what a “normal day” looks like for him, why he begged to get off the screen and onto real stages, and how it feels now to hear crowds singing every word back. Maddox also opens up about the hobbies that keep him grounded such as collecting watches, playing golf, hunting and whether he still feels like a kid when most of his friends are just starting high school. He shares his love for artists like John Mayer, Keith Whitley, George Jones, and Ed Sheeran, his “pinch me” Opry moment, and the story of averaging 35 points a game in basketball before a knee injury changed everything. Plus, there’s a funny clip about being accused of being a ball hog, some “uncountry” talk, and what it’s like playing shows in Nashville and beyond at 15 years old. For tour dates and tickets go to MaddoxBatson.com Follow on Instagram: @TheBobbyCast Follow on TikTok: @TheBobbyCast Watch this Episode on Youtube See omnystudio.com/listener for privacy information.

In this conversation, Terrel Harris shares his journey as an undrafted player in the NBA, discussing the pivotal moment when he decided to join the Miami Heat over the Chicago Bulls. He reflects on the pressures of performance and the importance of focusing on the game rather than external expectations. His confidence in his abilities, particularly in guarding Dwayne Wade, highlights his determination and readiness to seize opportunities in the competitive world of professional basketball.Takeaways:Nick Nurse advised Terrel Harris on his career choices.Harris chose Miami for its potential for bold moves.He focused on playing rather than stressing about numbers.Averaging 25 points didn't guarantee calls from teams.Confidence in his ability to guard top players was key.The journey of an undrafted player is challenging yet rewarding.Harris's mindset was to play his best regardless of the situation.He valued the advice of experienced coaches like Nick Nurse.The decision-making process in sports can be influenced by mentors.Seizing opportunities is crucial in a competitive environment.To View This Episode- https://youtu.be/JaderoESWCE#nba #philfriedrich #whoknewinthemoment #nbachampion #oklahomastatecowboys #miamiheat

Maddox Batson is 15, doesn’t have a driver’s license, and is somehow getting his first passport so he can head out on a world tour. In this episode, he talks about bringing his entire family on the road, growing up on bluegrass with a mandolin-master dad, and how being homeschooled actually fits with a life of airports, soundchecks, and hotel rooms. He and Bobby get into what a “normal day” looks like for him, why he begged to get off the screen and onto real stages, and how it feels now to hear crowds singing every word back. Maddox also opens up about the hobbies that keep him grounded such as collecting watches, playing golf, hunting and whether he still feels like a kid when most of his friends are just starting high school. He shares his love for artists like John Mayer, Keith Whitley, George Jones, and Ed Sheeran, his “pinch me” Opry moment, and the story of averaging 35 points a game in basketball before a knee injury changed everything. Plus, there’s a funny clip about being accused of being a ball hog, some “uncountry” talk, and what it’s like playing shows in Nashville and beyond at 15 years old. For tour dates and tickets go to MaddoxBatson.com Follow on Instagram: @TheBobbyCast Follow on TikTok: @TheBobbyCast Watch this Episode on Youtube See omnystudio.com/listener for privacy information.See omnystudio.com/listener for privacy information.

Follow Us on Substack:https://excessreturnspod.substack.com/In this episode, we sit down with Rob Arnott for a wide-ranging discussion on bubbles, valuations, AI spending, market history, index construction, and long-term return expectations. Rob explains how to think about bubbles in real time, why today's market echoes the late 1990s, and what investors can practically do to improve future returns. He also digs into Research Affiliates' latest work on fundamental indexing, growth investing, and the opportunities in international and emerging markets.Topics covered:• How Rob defines a bubble and why narrative drives market pricing• Lessons from the dot-com era that apply to today's AI-driven market• Why disruptors eventually get disrupted• Practical portfolio steps for investors concerned about concentration• Why value stocks remain historically cheap• CapEx vs R and D and what history says about future returns• The role of AI spending and why many companies struggle to monetize it• How AI may reshape industries and who the real long-term winners could be• Index construction flaws and how RA's RAFI and RACWI approaches differ• A new way to build growth indexes using actual business growth• Why expensive companies with slow growth are the worst quadrant to own• Insights on emerging markets, international value, and forward return expectations• How Rob invests personally and what he sees as the best long-term opportunitiesTimestamps:00:00 Defining bubbles and why narrative matters02:00 Are we in a bubble today06:20 Lessons from the dot-com boom12:00 What investors can practically do now14:00 Value, RAFI, and rebalancing alpha17:00 AI CapEx and its historical parallels20:30 Who benefits most from AI23:00 Disruption, technology cycles, and productivity35:00 Reinventing index construction40:00 A new way to define and weight growth stocks43:30 The problem with expensive slow-growth companies46:00 Magnificent Seven through the growth lens52:00 Rob's outlook on emerging markets55:00 Why the US is priced for perfection57:00 Averaging out and trimming expensive winners58:00 New research and future product ideas from RA59:00 Rob's personal portfolio approach and long-short ideas01:00:20 Closing thoughts and outlook

If slowing down feels wrong but your body is begging for rest, this episode is for you. In this episode, I'm talking to the woman who has always been the go-hard achiever — the early workouts, the hustle, the I-don't-need-rest mindset.  But now your body feels like it's pushing back, and slowing down feels uncomfortable or even scary. I've been there, and I want to help you make sense of what your body is trying to say. Instead of guessing or feeling guilty,  I'm giving you a simple, practical five-question check-in to help you know whether your body needs rest or whether gentle movement will actually make you feel better. Because in a healing season, both rest and movement are powerful — it's just about choosing the right one for the day you're in.  You'll learn why the signals you're feeling are a sign of recovery, not failure. I'll walk you through what this looks like in different phases of healing — from burnout, to rebuilding, to thriving again. We'll also talk about the mental side of this: letting go of the belief that discipline only counts when you push harder.  Resting doesn't make you weak. It makes you wiser. And the more you listen to your body, the faster your energy, hormones, and confidence return.  By the end of this episode, you'll have a tool you can use anytime you're unsure of what your body needs. This is how you build trust with yourself again — one decision at a time. So take a breath, tune in, and let's help your body feel safe and strong again.  Time Stamps: (1:17) Mood Lighting(2:02) Pulling Back From Exercise(5:47) Movement and Discipline(8:14) Your Hormones Are Recalibrating(9:59) #1: How Did I Sleep Last Night?(11:57) If You're Averaging 5-6 Hours of Sleep A Night(13:12) #2: My Stress Level From 1-10(14:32) #3: How Does My Body Feel Physically?(16:00) #4: What's My Emotional State?(17:41) #5: How Do I Think I'll Feel After?(21:56) Save This One For The Future---------------------Find Out More Information on Vital Spark Coaching---------------------Follow @vanessagfitness on Instagram for daily fitness tips & motivation. ---------------------Download Our FREE Metabolism-Boosting Workout Program---------------------Join the Women's Metabolism Secrets Facebook Community for 25+ videos teaching you how to start losing fat without hating your life!---------------------Click here to send me a message on Facebook and we'll see how I can help or what best free resources I can share!---------------------Interested in 1-on-1 Coaching with my team of Metabolism & Hormone Experts? Apply Here!---------------------Check out our Youtube Channel!---------------------Enjoyed the podcast? Let us know what you think and leave a 5⭐️ rating and review on iTunes!

In this podcast episode, I answer a question from Jiani.This is a great question and a fairly common question one - is it better to 'lump sum' invest or 'drip feed' / 'cost average' invest.We go through the data, the pros and cons of each approach, some real life examples, what I personally do, and more, in this podcast episode.Listen to the podcast episode for the full details.Timestamps:0:00 - Question from Jiani: Cost averaging vs Lump sum1:24 - What is the difference?2:45 - What the data shows4:17 - Why lump sum investing wins5:13 - Why cost averaging/drip feeding might still be better7:09 - When does each strategy work best?8:31 - Some real life examples10:17 - The ‘lost decade' where drip feeding won12:08 - The final verdict13:23 - What do I do?14:4 - Outro-----------------------------------------More investing:

Want to Start or Grow a Successful Business? Schedule a FREE 13-Point Assessment with Clay Clark Today At: www.ThrivetimeShow.com   Join Clay Clark's Thrivetime Show Business Workshop!!! Learn Branding, Marketing, SEO, Sales, Workflow Design, Accounting & More. **Request Tickets & See Testimonials At: www.ThrivetimeShow.com  **Request Tickets Via Text At (918) 851-0102   See the Thousands of Success Stories and Millionaires That Clay Clark Has Helped to Produce HERE: https://www.thrivetimeshow.com/testimonials/ Download A Millionaire's Guide to Become Sustainably Rich: A Step-by-Step Guide to Become a Successful Money-Generating and Time-Freedom Creating Business HERE: www.ThrivetimeShow.com/Millionaire   See Thousands of Case Studies Today HERE: www.thrivetimeshow.com/does-it-work/  

NBA icon Oscar Robertson joins host Jeff Mendez on Live Life by Design to discuss the legendary Oscar Robertson Rule, how it reshaped basketball, and his perspective on success, faith, and purpose. From averaging a triple-double before it was tracked to navigating racism and redefining player freedom, this episode is a masterclass in perseverance and design—on and off the court.

Send us a textExplore the 10 most viewed Amazon PPC videos on our channel! These top-rated tips and tricks will help you optimize your ad campaigns and boost sales. Whether you're new to PPC or a seasoned seller, these videos are packed with actionable insights.Ready to improve your PPC performance? Book a strategy call today and unlock your campaign's full potential! https://bit.ly/3ZlHh6G Want to watch the full videos? here's the list:Top 10: The Right Time to Reduce Amazon Ad Spend (8 Critical Reasons): https://www.youtube.com/watch?v=3XWKdZKvpwcTop 9: How to Negate bad Search Terms on Amazon PPC Advertising to Improve ACOS: https://www.youtube.com/watch?v=5CeeU5adrAQTop 8: Top Amazon PPC Errors That Kill Profits: https://www.youtube.com/watch?v=2EhMwCF7DlgTop 7: [Beginner Tutorial] Amazon PPC

“For God gave us a spirit not of fear but of power and love and self-control.” - 2 Timothy 1:7When it comes to investing, wisdom means keeping emotions in check. Fear, greed, overconfidence, and regret can all derail sound decisions. Dr. Art Rainer joins us today to share four ways emotions ruin smart investing—and how you can avoid those traps.Dr. Art Rainer is the founder of the Institute for Christian Financial Health and Christian Money Solutions. He is a regular contributor here at Faith & Finance and the author of Money in the Light of Eternity: What the Bible Says about Your Financial Purpose.Don't Let Emotions Derail Your InvestmentsWhen it comes to investing, emotions can be your worst enemy. Allowing emotions to guide your investment decisions will most likely lead you to buy high and sell low. That's the opposite of building a solid retirement fund.So how can investors avoid the emotional traps that derail wise investing? Here are four common ways emotions can ruin sound investment strategies.1. Focusing on the Present Instead of the FutureThe stock market fluctuates daily, sometimes even hourly. Many investors get caught in the drama of short-term swings. But we must remind ourselves that we're not investing for today, we're investing for the future.Keeping your eyes fixed on long-term goals helps put temporary volatility in perspective. The market may dip, but over time, patience and consistency are what build wealth.2. Letting Fear Take ControlFear often shows up during a market downturn. In 2008, as markets plummeted, many investors panicked and withdrew their money. Later, most admitted that the decision was a mistake.In fact, steady contributions during down markets actually allow for the purchase of more shares at lower prices—a benefit to long-term investors. This is a process called “dollar-cost averaging”.  Dollar-cost averaging is an investing strategy where you contribute a fixed amount of money at regular intervals, regardless of market conditions. Over time, this helps reduce the impact of market volatility by buying more shares when prices are low and fewer when prices are high.Fear may feel protective, but it usually leads to missed opportunities.3. Becoming Overconfident in a Rising MarketJust as fear hurts during downturns, overconfidence can be just as dangerous when markets rise. We saw this during the dot-com bubble in 2000 and again in 2020.As stock prices climb, inexperienced investors often rush in, assuming the market is “easy money.” They may chase riskier investments without understanding the dangers, setting themselves up for painful losses when the bubble bursts.4. Dwelling on RegretRegret over past decisions is natural, but it can tempt us to overcorrect. For example, selling too soon because of a bad memory from the last downturn—or holding too long trying to “make up” for past mistakes.Instead of being trapped by regret, let past experiences guide wiser choices without driving reactionary ones.The Bible tells us that saving is wise, but it also cautions against letting fear or greed rule our hearts. Wise investing requires patience, discipline, and trust in God's provision—not reactionary emotions.Get Help From a Certified Christian Financial CounselorFor those struggling with debt, budgeting, or saving for the future, Dr. Rainer recommends connecting with a Certified Christian Financial Counselor (CertCFC). These professionals are trained to help individuals and couples align their finances with biblical principles.You can search for a counselor in your area at ChristianFinancialHealth.com.On Today's Program, Rob Answers Listener Questions:I'm trying to help someone who has three credit card debts that have gone to collections. What type of documentation should we request to confirm that the debt collector is legally entitled to collect the debt, especially since different agencies continue to contact us?I'm retired and have recently purchased a property with mold in the crawl space, which is impacting my health. Given my financial situation, would it be wise to borrow money to resolve the mold problem?My husband is about to turn 73, and we've placed all of our IRA funds into an annuity. How do we calculate the required minimum distribution once he reaches 73, and does that amount change each year? We'd like to withdraw only the minimum necessary.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)The Institute for Christian Financial HealthChristian Money SolutionsWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Are you looking to save time, make money, and start winning with less risk? Then head to https://www.ovtlyr.com.SoFi stock just crashed hard, dropping over 10% in a single session, and the big question is: what do you do if you're holding shares? In this video we break down the warning signs that could have saved traders from heavy losses, the technical red flags flashing across the chart, and why sticking to proven signals with OVTLYR helps you avoid getting caught in a free fall.We start by analyzing SoFi's chart and the sell signals that fired off before the collapse. Order blocks showed clear resistance overhead while no support was in sight. On top of that, the 10 EMA and 20 EMA weren't just broken, they were crushed, confirming that the short-term and intermediate trends had flipped bearish. Add in the 50/80 rule—where 50% of the time a stock like this can fall 80%—and the risk was obvious to anyone following the data.➡️ Learn how order blocks reveal resistance zones and why lack of support signals danger➡️ See why SoFi's moving average breakdown was a massive red flag➡️ Understand how the 50/80 rule plays out in real-world trades➡️ Discover why buying dips in crashing stocks is a losing strategy➡️ Get the simple trend template OVTLYR traders use to confirm entries and exitsThis episode also dives into trading psychology. Many investors convince themselves that “the market is wrong” when a stock like SoFi drops. But the market is never wrong. Price is truth, and your job is to follow the wave, not fight it. That's why patience and discipline matter—waiting for stocks that are crashing up instead of catching falling knives that destroy your account.We also compare SoFi to names like AMD, Tesla, and others that show what happens when you ignore exit signals. These examples prove that even the strongest rallies can evaporate quickly, and the only way to protect your gains is by having a plan. Averaging down might feel like a strategy, but it ties up your money for months with no guarantee of recovery. Averaging up when the trend is confirmed is where the real profits are made.Beyond SoFi, we look at opportunities across the market using OVTLYR's plans: Plan M, Plan A, and Plan ETF. With the S&P and Nasdaq showing mixed signals, sometimes the smartest move is simply sitting in cash. Other times, ETF strategies shine by capturing broader uptrends with lower stress. And when the signals line up, individual names like Intel, Zscaler, and Datadog show traders exactly how to time their moves with confidence.If you've been burned holding stocks through massive drops, this video is for you. You'll see why trusting signals, following the trend template, and using OVTLYR to confirm setups is the smarter way to trade. Stop guessing, stop hoping, and start trading with rules that protect your capital.Gain instant access to the AI-powered tools and behavioral insights top traders use to spot big moves before the crowd. Start trading smarter today

Former Cleveland Browns lineman and current analyst John Greco joins Anthony Lima and Daryl Ruiter to discuss the state of the Cleveland Browns' struggling offense and the "spark" needed to get things going, offensively.

What is dollar-cost averaging, and how can you use it as an investment strategy? In this episode, Art gives a clear, easy-to-understand explanation of how it works and why it matters. He also answers two listener questions—one about reducing retirement contributions to save for a home and another about Christians and sports betting. Don't miss it!Resources:8 Money MilestonesChristian Money HelpAsk a Money Question!

Averaging one per month. Head of BLS Out. Goldman's leading economist – suggested out. Plus Nvidia to share revenue with the government, inflation info, more concerns with Buy Now Pay Later and a debit card snafu. Plus plus Perplexity offers $34.5 billion for Google Chrome.

In this episode of Breaking Math, Dr. Noah Giansiracusa discusses his book 'Robin Hood Math', emphasizing the importance of mathematical literacy in navigating an algorithm-driven world. He explores how math can empower everyday people, the writing process behind his book, and practical applications of math in daily life, including social media algorithms and financial decisions. The conversation highlights the simplicity of the math that truly matters and encourages listeners to reclaim agency through understanding mathematics.Takeaways Math is a powerful tool that can empower individuals. The concept of Robin Hood Math aims to redistribute mathematical knowledge. Mathematical literacy is becoming as essential as reading. Algorithms are deeply embedded in our daily lives, influencing decisions. Understanding expected value can improve decision-making. Averaging guesses can lead to better predictions. Social media algorithms prioritize engagement, affecting content visibility. Credit scores are calculated using weighted sums of various factors. Many important mathematical concepts are simpler than they appear. Mathematical literacy can help close equity gaps in society.Chapters 00:00 Monetizing Social Media for Educators 02:25 The Birth of Robin Hood Math 05:18 Empowering the Everyday Person with Math 08:01 The Writing Process and Surprising Discoveries 10:37 Practical Math Lessons for Everyday Life 13:22 Understanding Algorithms in Social Media 21:56 Understanding Engagement Algorithms 24:28 The Impact of Mathematics on Financial Decisions 29:54 Empowering Through Mathematical Literacy 32:23 Exploring Key Themes in MathematicsFollow Noah on Twitter, BlueSky, Instagram, LinkedIn and on his WebsiteSubscribe to Breaking Math wherever you get your podcasts.Become a patron of Breaking Math for as little as a buck a monthFollow Breaking Math on Twitter, Instagram, LinkedIn, Website, YouTube, TikTokFollow Autumn on Twitter and InstagramBecome a guest hereemail: breakingmathpodcast@gmail.com

In this episode of the Tough Girl Podcast, meet Ioana Barbu—an unstoppable ultra runner with big goals, bold energy, and a fierce belief in betting on herself. After winning the Ice Ultra (230km at the Arctic Circle) and the Highland Ultra (125km in the Scottish Highlands) in 2025—each by hours and against stacked fields—Ioana is now going all-in to complete the entire Beyond the Ultimate series in one calendar year. That means racing across jungles, deserts, mountains, and ice—self-funded, self-motivated, and 100% committed. We dive into her mindset, training strategy, and what it takes to juggle full-time work while prepping for some of the toughest foot races on Earth. From selling her flat to afford the journey, to building her endurance and community from scratch, Ioana's story is raw, real, and massively inspiring. Explicit language: This episode contains one F-bomb. If you're chasing big goals or need a fire lit under you—this is the one to listen to.  New episodes of the Tough Girl Podcast drop every Tuesday at 7 AM (UK time)! Make sure to subscribe so you never miss the inspiring journeys and incredible stories of tough women pushing boundaries.  Do you want to support the Tough Girl Mission to increase the amount of female role models in the media in the world of adventure and physical challenges? Support via Patreon! Join me in making a difference by signing up here: www.patreon.com/toughgirlpodcast.  Your support makes a difference.  Thank you x Show notes Who is Ioana  Based in London  Working in post production of video production  Being an ultra runner Growing up in Europe Moving to the UK at 18  Living in New Zealand and Canada Being into Snowboarding  Getting into running  Her younger years  Growing up with her grandparents in the countryside Getting into swimming, ballet  Starting snowboarding in her early 20s and how it changed her life Wanting to get good at the sport Book: Power Speed Endurance : A Skill-Based Approach to Endurance Training. By Brian Mackenzie  Breathe work, breathing, posture Running on a treadmill for training  Training with Altitude Centre in London, in an altitude chamber   Living in Wellington, New Zealand Working with a snowboarding coach Don't think about it too much or you will catch fear Always end on a high  Moving back to the UK and fast forward a few years Getting back into running during lockdown in 2020 Starting to sign up for races  Royal Parks Half Marathon  How her running journey progressed Running the London Marathon for charity  Make Some Noise  Giving a voice to small charities  Working with Spencer Matthews on his Big Fish Podcast  Deciding to sign up for the - Beyond the Ultimate Jungle ultra - 230km  Being surrounded by people who encourage you and support you Being told she couldn't do a 30 miler I'll prove you wrong Julian Morgan-Ayres  The Early Birds  Is it a race or is it an event? Emma Kirk-Odunubi - Running Coach  To The Finish Line  Having a lovely time running the marathon  Adam Kimble - Running Coach  Kris King Never quit at the end of the day Doing the right volume of training (6 days a week) but doing the wrong type of training  Averaging about 30k - 50k a week max - which wasn't enough Running 70k - 100k weeks  More running and less hyrox/strength training Beyond The Ultimate - Jungle Ultra  Palate fatigue  Needing to be her own hero Winning Races Arctic Race - 230km race  Going out to race and win Getting her period in the jungle and ending up doing the short course Wanting to make ultra running a full time job Global Expedition Medics  Going into the ice-ultra with such a strong mindset Knowing what to expect with snow and ice 2025 - Racing the full series in one year (calendar year) Self funding the challenge  Harry Edmonds - youngest racer to compete the extreme sport series  How much will it cost?! Selling her flat and using the money to pay for the race series Needing to buy specialist kit  Approx £30k so far… Wanting to quit her job and do this full time Dr Freya Bayne - London Southbank Uni Sports Department  Heat acclimatisation in a heat chamber and why it was one of the best things to do before the desert race All female researchers How can people connect and follow along  Final words of advice  Find people who are like minded, don't be afraid to join a community Inspiring other women to start running    Social Media Website makesomenoise.enthuse.com/pf/ioana-barbu  Instagram @ioanabarboux  

165 Big league HR's? Check! Defensive star in the outfield? Yep! After hanging 'em up, he became the manager of the Frederick Keys? You betcha Does he have stories? Well, if you want to hear stories about Roger Clemens, Torii Hunter, Shannan Stewart, and how he played the ball off the "baggie" in the Metrodome, then you know what to do. Download and listen to this hilarious, story-packed episode of The Approach Shot with 10 year Major League Baseball star JACQUE JONES.

Spread across the Earth's oceans, the Chinese distant-water fishing fleet is the single largest armada in human history. This three-part series is an unprecedented investigation into their secretive fishing practices. The fleet is so gargantuan that even the Chinese government can't account for all its vessels. We do know it has hauled in more than 35 billion dollars worth of catch per year and sold it across the globe — and yet, almost nothing was known about its practices. That is, until the Outlaw Ocean team started asking questions, and eventually managed to get aboard.Episode highlights:Averaging one dead body every six weeks, mostly-Chinese fishing vessels have been dropping their deceased off in Uruguay's coastal capital for years. But in 2021, an Indonesian deckhand named Daniel Aritonang arrives clinging to life. He's conscious enough to say he'd been beaten, tied up by the neck, and starved for days.We learn Daniel's story is shockingly common in the world's Chinese-run fish processing infrastructure. It's a realm where health and human safety are secondary to meeting quotas and where forced labour and human rights abuses are rampant. We learn how vulnerable people like Daniel are recruited, and how routinely they never make it home.The team is convinced that they need to speak directly to the crew on one of these vessels. They themselves are shocked when a captain agrees to let them aboard. Even more surprising, a minder briefly leaves host Ian Urbina alone with the crew and immediately some men plead to be rescued.

➡️ Want To Learn More About Partnering With Me at eXp (Get all my Training & Coaching For Free) Schedule a Zero Pressure, Fully Confidential Zoom Call with me: https://go.oncehub.com/PartnerwithJoshuaSmithGSD   ➡️ Connect With Me On Social Media: Facebook: https://www.facebook.com/JoshuaSmithGSD Instagram: https://instagram.com/joshuasmithgsd/   About Joshua Smith: -Licensed Realtor/Team Leader Since 2005 -Voted 30th Top Realtor in America by The Wall Street Journal -NAR "30 Under 30" Finalist -Named Top 100 Most Influential People In Real Estate -Top 1% of Realtors/Team Leaders Worldwide -6000+ Homes Sold & Currently Selling 1+ Homes Daily -Featured In: Forbes, Wall Street Journal, Inman & Realtor Magazine -Realtor, Team Leader, Coach, Mentor

In this podcast episode, Ryan covers the topic of averaging into your winning trades. Is this a viable strategy that maximizes profits, or does it expand the risk factor at the expense of reward?Be sure to check out my Swing-Trading offering through SharePlanner that goes hand-in-hand with my podcast, offering all of the research, charts and technical analysis on the stock market and individual stocks, not to mention my personal watch-lists, reviews and regular updates on the most popular stocks, including the all-important big tech stocks. Check it out now at:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠https://www.shareplanner.com/premium-plans⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

(00:00-30:11) The Blues seem to want a baby. Comparisons to the 2019 team. Only two points back of Minnesota. Puck Monkey. Jackson's in the dark on today's surprise guest. Humdinger tomorrow. Lots of folks unhappy at the difficulty of finding the Blues game on TV. Pronger interviewed Martin. Charlie Marlowe's locked in on fantasy baseball. Equinox Midwest. Opening Day dossier. (30:19-55:35) Jackson's feeling a little more vivacious this morning. The Spread Zone. Dodgers win total. Blues now a favorite to make the playoffs. Fun with math. Averaging more than 4 goals per game since the break. Jim Montgomery talking about knowing during the day the Blues were going to win that game. Who sits when Parayko comes back? (55:45-1:05:19) Runaround Sue. Little Big League. Does Opening Day take a backseat to the Blues? The Tex Winter of local sports. A denture heist. Cards vs. Blues discussion. Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

(00:00-30:11) The Blues seem to want a baby. Comparisons to the 2019 team. Only two points back of Minnesota. Puck Monkey. Jackson's in the dark on today's surprise guest. Humdinger tomorrow. Lots of folks unhappy at the difficulty of finding the Blues game on TV. Pronger interviewed Martin. Charlie Marlowe's locked in on fantasy baseball. Equinox Midwest. Opening Day dossier. (30:19-55:35) Jackson's feeling a little more vivacious this morning. The Spread Zone. Dodgers win total. Blues now a favorite to make the playoffs. Fun with math. Averaging more than 4 goals per game since the break. Jim Montgomery talking about knowing during the day the Blues were going to win that game. Who sits when Parayko comes back? (55:45-1:05:19) Runaround Sue. Little Big League. Does Opening Day take a backseat to the Blues? The Tex Winter of local sports. A denture heist. Cards vs. Blues discussion. Learn more about your ad choices. Visit podcastchoices.com/adchoices

In today's episode of Backpacker Radio, presented by The Trek, brought to you by LMNT, we are joined by Austen McDaniel, known on trail as PI. If that name sounds familiar, it's because we've been reading it off at the end of every episode for years, as Austen is one of our Chuck Norris Award-winning Patreon supporters.  But in addition to being a longtime patron, Austen is also one hell of a backpacker, having completed the Triple Crown in three consecutive years. He approached his first thru-hike as prepared as anyone we've ever talked to, hitting the Appalachian Trail with a six-pound base weight after years of fine-tuning his setup on various shakedown hikes. He walks us through how he's managed to shave additional ounces and grams off his pack, shares some fun ultralight hacks, and offers tips for making cold soaking suck less. Of course, we also dive deep into his three thru-hikes.  Beyond hiking, Austen gives us a glimpse into his life as a professional tennis instructor, if he's seducing moms at the country club, and how he managed to squeeze in some disc golf in various trail towns during his CDT trek.  We wrap the show with news of an massive new FKT on New Zealand's Te Araroa, a breakdown of just how much Irish heritage runs through our DNA, including some truly deranged family tree math from Chaunce, the triple crown of food combinations, and possibly the greatest limerick in the history of the written language. LMNT: Get a free sample pack with any order at drinklmnt.com/trek. Gossamer Gear: Use code “BACKPACKER20” for 20% off packs at gossamergear.com.  Purple Rain Skirts: Use code “BACKPACKER20” for 20% off at purplerainskirts.com. Ombraz: Use code “BACKPACKER30” for $30 off at ombraz.com/discount/backpacker30. AG1: Get your free $79 gift at drinkag1.com/backpacker. [divider] Interview with Austen McDaniel Austen's Instagram Austen's Youtube Time stamps & Questions 00:06:27 - Reminders: Join us for our live show in Austin, listen to our episodes ad-free on Patreon, and apply to blog for the Trek! 00:11:32 - Introducing Austen 00:13:40 - At what age could you serve over 100 miles per hour? 00:17:43 - Who's the GOAT in tennis? 00:18:20 - Tell us about disc golf 00:20:20 - What were the best courses you played on the CDT? 00:21:54 - How much is aiming versus distance? 00:23:01 - What is the distance like on a par 5 course? 00:26:01 - How did you get into hiking? 00:27:40 - Did you see any wild hogs while waterfall hunting? 00:33:30 - Discussion about preparing for thru-hiking 00:35:00 - What were your Big 3 for the AT in 2022? 00:37:05 - Did you test any items that you didn't end up liking? 00:39:17 - Why do you prefer sleeping bags over quilts? 00:41:25 - Did you find any interesting ways to combine functionality of items? 00:45:55 - Do you have any other gear hacks? 00:49:00 - What are your go-to cold soaking meals? 00:50:10 - Spinning the Wheel 00:52:33 - What's your trail name? 00:54:50 - What about ultralight makes it worth it to you? 00:56:30 - Discussion about AT pace and budget 01:00:30 - Tell us about your goal of hiking three trails in three years 01:02:10 - What does your tennis instructing work look like? 01:03:20 - Did you coach interesting people at country clubs? 01:05:30 - How did you decide to hike southbound on the CDT? 01:10:00 - Discussion about fires on the PCT in 2024 01:14:18 - Tell us about the loneliness on the CDT 01:20:20 - Would you change anything if you hiked the CDT again? 01:21:30 - Anything else to share about the CDT? 01:25:25 - What was your budget for the 3 hikes? 01:27:40 - How did the PCT hike compare to the CDT? 01:30:00 - Do you have tips for dealing with loneliness on trail? 01:31:05 - How was the air quality on the PCT? 01:34:37 - Discussion about ultralight versus mileage 01:37:45 - What were your other takeaways from the PCT? 01:42:08 - What advice do you have for someone who wants to Triple Crown in three years? 01:43:47 - Fuck Marry Kill: AT, PCT, CDT 01:46:18 - What's next for you? 01:48:28 - Stay Salty Question: What's your hottest take in the world of backpacking? Segments Trek Propaganda Karel Sabbe Destroys Te Araroa FKT, Averaging 60 Miles per Day To Set Jaw-Dropping New Record by Katie Jackson 2025 Badger Sponsorship Winners by Kendra Slagter QOTD:  Does either of your ginger-ness come from Irish heritage? Do you celebrate St Patrick's Day? Triple Crown of food combinations Listener Voicemail Mail Bag 5 Star Review [divider] Check out our sound guy @my_boy_pauly/ and his coffee. Sign up for the Trek's newsletter Leave us a voicemail! Subscribe to this podcast on iTunes (and please leave us a review)!  Find us on Spotify, Stitcher, and Google Play. Support us on Patreon to get bonus content. Advertise on Backpacker Radio Follow The Trek, Chaunce, Badger, and Trail Correspondents on Instagram. Follow Backpacker Radio, The Trek and Chaunce on YouTube. Follow Backpacker Radio on Tik Tok.  Our theme song is Walking Slow by Animal Years. A super big thank you to our Chuck Norris Award winner(s) from Patreon: Alex and Misty with NavigatorsCrafting, Alex Kindle, Andrew, Austen McDaniel, Ben Love, Brad & Blair Thirteen Adventures, Brent Stenberg, Bryan Alsop, Christopher Marshburn, Coach from Marion Outdoors, Derek Koch, Eric Casper, Erik Hofmann, Gillian Daniels, Greg Knight, Greg Martin, Greg McDaniel, Griffin Haywood, Hailey Buckingham, Liz Seger, Mud Tom, Patrick Cianciolo, Rebecca Brave, Sawyer Products, SPAM, Timothy Hahn, Tracy ‘Trigger' Fawns A big thank you to our Cinnamon Connection Champions from Patreon: Bells, Bonnie Ackerman, Chris Pyle, David, Dcnerdlet, Emily Galusha, Jeanie, Jeanne Latshaw, Katharine Rudzitis, Lauren Cain, Luke Netjes, Merle Watkins, Peter, Ruth S, and Spencer Hinson.

Investors can choose between two savvy strategies that help mitigate market volatility and potentially boost returns. Today's Stocks & Topics: AOS - A.O. Smith Corp., Market Wrap, CCB - Coastal Financial Corp., Choosing Between Dollar-Cost and Value Averaging, Viewer Comment, AVGE - Avantis All Equity Markets ETF, COWZ - Pacer U.S. Cash Cows 100 ETF, The Bond Market, HII - Huntington Ingalls Industries Inc., SHEL - Shell PLC ADR, OKE - ONEOK Inc., BIGGQ - Big Lots Inc., Egg Prices.Our Sponsors:* Check out Fabric: https://fabric.com/INVESTTALK* Check out Kinsta: https://kinsta.com* Check out Trust & Will: https://trustandwill.com/INVESTAdvertising Inquiries: https://redcircle.com/brands

Suze explains what Value Cost Averaging investing is and how it’s different from Dollar Cost Averaging and Lump Sum investing. Could Value Cost Averaging be the right way for you to invest? Get out your Suze notebooks and find out! Jumpstart financial wellness for your employees: https://bit.ly/SecureSave Protect your financial future with the Must Have Docs: https://bit.ly/3Vq1V3GGet your savings going with Alliant Credit Union: https://bit.ly/3rg0YioGet Suze’s special offers for podcast listeners at suzeorman.com/offerJoin Suze’s Women & Money Community for FREE and ASK SUZE your questions which may just end up on the podcast. Download the app by following one of these links: CLICK HERE FOR APPLE: https://apple.co/2KcAHbH CLICK HERE FOR GOOGLE PLAY: https://bit.ly/3curfMISee omnystudio.com/listener for privacy information.

Welcome to this week's episode of Fast. Feast. Repeat. Intermittent Fasting for Life, with Gin Stephens and Sheri Bullock.To make a submission for the podcast, go to fastfeastrepeat.com/submit.  We are a community-driven podcast, and we look forward to sharing your questions, success stories, non-scale victories, IF tweaks, motivational quotes (and more!) on each episode of the podcast. To get the books, go to https://www.ginstephens.com/get-the-books.html. The second edition of Delay, Don't Deny is now available in ebook, paperback, hardback, and audiobook.  This is the book that you'll want to start with or share with others, as it is a simple introduction to IF.  It's been updated to include the clean fast, a thorough description of ADF and all of your ADF options, and an all new success stories section.  When shopping, make sure to get the second edition, which has a 2024 publication date.  The audiobook for the second edition is also available now!The Merch Store is now OPEN! Visit https://www.fastfeastrepeat.com/merch.html Resources used in today's episode:Go to fastfeastrepeat.com to see Gin's and Sheri's favorite things, and to shop with us.  Every purchase you make through links on our website help to support this podcast so we can keep bringing you episodes each week. Want to learn more about BiOptimizer's Magnesium Breakthrough? Visit www.bioptimizers.com/fastfeastrepeat and use code FFR10 to save 10% off any order. Are you ready to take your intermittent fasting lifestyle to the next level? There's nothing better than community to help with that.  In the Delay, Don't Deny community we all embrace the clean fast, and there's just the right support for you as you live your intermittent fasting lifestyle. Connect with both Gin and Sheri in the community, as well as thousands of other intermittent fasters who are there to support you along your journey.  If you're new to intermittent fasting or recommitting to the IF lifestyle, join the 28-Day FAST Start group.  After your fast start, join us for support in The 1st Year group.  Need tips for long term maintenance? We have a place for that!  There are many more useful spaces beyond these, and you can interact in as many as you like.Visit ginstephens.com/community to join us. An annual membership costs just over a dollar a week when you do the math.  If you aren't ready to fully commit for a year, join for a month and you can cancel at any time. If you know you'll want to stay forever, we also have a lifetime membership option available.  IF is free. You don't need to join our community to fast. But if you're looking for support from a community of like-minded IFers, we are here for you at  ginstephens.com/community.