Podcasts about Bank

Zilla Fatu has arrived in NXT and that's a good thing, plus what his Bloodline future may look like... thoughts on Solo Sikoa being served up to Roman Reigns tomorrow night, why it's NOT the end of his babyface run and what it could mean (lol) for LA Knight at Money in the Bank... Bayley's social media video RAISES EYEBROWS in WWE and you have got to be kidding me... thoughts on the final faceoff with CM Punk and Kevin Owens before their title match in Toronto, Chelsea Green's fate as Women's champion, the FIVE segments that did not air on Smackdown and why the show should NEVER be three hours again... AEW Continental Cup updates, including the man who was injured on Collision, the current lineup for All In London and where things stand as far as attendance... my DARK SIDE OF THE RING REVIEW on "Mr. Wonderful" Paul Orndorff and his sad ending... YOUR QUESTIONS on Dave Meltzer's star ratings, Tessa Blanchard's future with WWE, the real reason Vince McMahon didn't want Randy Savage back, wrestling referee pet peeves... and my thoughts on The End Of Oak Street!***Follow Solomonster on X (formerly Twitter) for news and opinion:http://x.com/solomonsterSubscribe to the Solomonster Sounds Off on YouTube:https://www.youtube.com/user/TheSolomonster?sub_confirmation=1Become a Solomonster Sounds Off Channel Member:https://www.youtube.com/channel/UC9jcg7mk93fGNqWPMfl_Aig/join

In this explosive bonus weekend episode of The Rush Hour, we cover major developments in the war with Iran as Tehran declares diplomacy is finished and the crisis enters a dangerous new phase. Meanwhile, Donald Trump is launching his own bank—but is it his latest money-making scam? Plus, Trump tells Americans they should be willing to accept rising gas prices as the economic consequences of the war hit home.

Aug 13, 2026; 6pm; MS NOW's Ari Melber is joined by former Trump White House lawyer Ty Cobb to discuss growing backlash to President Trump's power grabs. Plus, Melber reports on new revelations that a major U.S. bank believed the Trump Organization was potentially linked to money laundering. NYU's Ruth Ben-Ghiat joins for analysis. To listen to this show and other MS podcasts without ads, sign up for MS NOW Premium on Apple Podcasts. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Did you know: Today's dentists are waiting five years longer to buy a practice than they were a generation ago? Kiera is joined by Brian Hanks of Dental Buyer Advocates to talk about delayed ownership traps and why the future of private practice is an encouraging one (Brian shares numerous data points to back that up). They also touch on overcoming fears and all the information out there that makes everyone seem more prepared for business ownership than they actually are, and how to go about buying a practice while asking the right questions. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: Kiera (00:00) Hello, Dental A Team Listeners, this is Kiera, and today is an awesome day. I am so excited to be podcasting with one of my favorite humans. He and I have spoken across the country together. We go to different things, we share clients together. I have Brian Hanks, the owner of Dental Dental Buyer Advocates. And today we're gonna talk about like delayed ownership trap because I think so many people get stuck into this of should I buy, should I not buy? And Brian and I are just here to have a fun rift. So, Brian, welcome to the show today. How are you?   Brian Hanks (00:28) So nice to be back, Kiera. You're one of my favorite people too. Thank you for having me.   Kiera (00:32) Of course. I'm excited, Brian. It's a good time. It's been a hot minute since we podcasted together. So it's time, it's time to talk about this. Because when we were chatting about episodes, you were saying that dentists are now waiting like five years longer to buy a practice than they were a generation ago, which is fascinating to me because I've been on this like whole hot to trap of like, do people buy? Are DSOs taking over? Like, is there still money to be made in private practice? Like literally my chiropractor and I were talking about this the other day because she's like,   My dentist told me that they were like not able to make any money. And I was like, well, they sh just give them my card. Like private practice to me is still one of the best businesses and industries, even if you have to buy a top dollar right now. and so just like super fascinating to talk about like delaying that purchasing, why people do it. But Brian, I've jumped right in and pretended like everybody knows who you are. Brian, give us a little intro of like who you are, how you got into Dental Buyer Advocates, what your background is, and then like let's talk about to delay or not delay buying a practice.   Brian Hanks (01:29) Sure.   Yeah, I one of my favorite stories. I'm an ex-Wall Street guy, so I'm a reformed Wall Streeter. And my father-in-law is a dentist. And I would watch these Wall Street people come in and like sell a very aggressive investments. And when they went bust, they would turn around and sell the crappy investments to dentists who at the time my was my father in law. Active practice, he lived in the Seattle area. And anyway, I went to go work for a dental CPA in the Dallas area. I went to work for another one. So I'm I've lived in the accounting world, Kiera.   And when I was in that world, I got younger dentists who were in the pro they were the associates and they were asking accounting questions and tax questions and you know financial planning questions. And inevitably they would come back to dental practice ownership. Like, how do I do this? How much do I pay? Is   Kiera (02:13) Yeah.   Brian Hanks (02:13) is this a good deal? And so I went looking for the book. I was like, well, where's the book? I was on Amazon, I was other places. There was no book. And I thought, all right, well, let me try writing this book. Famous Last Words, by the way, it's way harder than you assume. But the book is called.   Very creatively, How To Buy A Dental Practice. And that helped me start my own business. And that's   Kiera (02:30) I like it.   Brian Hanks (02:33) what I do. I I only help buyers of dental practices. And, you know, Kiera, my business is good, your business is good. Dentist business, we can talk about why the future of private practice is very bright. I can give you some stats and   Kiera (02:46) Mm-hmm.   Brian Hanks (02:46) statistics. But one of the interesting, the most interesting facts for me is Health Policy Institute has data that shows that.   Dentists get into ownership, like they they end up in ownership. Okay, so I'll give you like they've broken it down by like graduation rates. So like the the   Kiera (03:07) And what I   Brian Hanks (03:08) dental school grads from 1990 and then 1995, and everybody between 95 and 2000, so and so forth. So they have these like vintages of graduates. And   Kiera (03:16) Mm-hmm. Mm-hmm.   Brian Hanks (03:17) very reliably, they're showing that nine out of ten dentists, of which you know there's 203,000 in the US, nine out of ten end up in ownership.   At some point in their career. But like you said,   Kiera (03:27) Fascinating.   Brian Hanks (03:28) they're waiting longer to do it. And I think that's what we're going to talk about.   Kiera (03:32) Yeah. Which like again, I think people are scared. So many students I worked at Midwestern and they're like, Kiera, should I buy? Should I go associate? And I was like, listen, you're just delaying the inevitable so like get in there and get it done. Now, I like always throw an asterisk on that. Like if you're not good at your hand skills, like yeah, go go associate for a hot minute. like if you aren't confident with your speed and with case acceptance and like presenting, that's gonna be but I'll tell you there is nothing more thrilling than throwing yourself into a business that you have to produce for.   You learn case acceptance really freaking fast. Like, ask me how I know. We surely did that. Like I took a student, we took our first practice from 500,000 to 2.4 million in nine months. Like she was a she was a power producer. Do I have an office right now that just bought a practice less than a year ago? We're already on track for two and a half million. Yes. Like there are a lot of success stories from that small town. It's not like they were just given the keys to the kingdom. Like they've had to work for it, they've had to build things. They don't have full schedules. But   I just, I don't know. I'm the same way and I I don't know. I'm I'm at a space of but do what makes you happy. Like, do not go   Brian Hanks (04:37) Yeah.   Kiera (04:38) own a practice and make less than being an associate. That's like a hard line for me too. I'm like, 'cause if you're gonna like not be a good business owner, keep associating. But I   Brian Hanks (04:43) No. Yeah.   Kiera (04:46) agree, I feel like the trajectory of dentists is always to purchase. Like they want their own stamp, they want their name on the building. I will also highly recommend don't put your name on the building. Like that's really fun and not scalable. Ask me again how I know that. Like   Cura's dental consulting was real fun till it wasn't. Like the things you the things you evolve on, but truly I I'm excited to hear why you think people are delaying, what that's costing them. Brian, I love that you always come with a bunch of stats and facts. And I love that you named your book, like How To Buy A Dental Practice. That's what people want to know. so it sometimes simple is no, that is the best.   Brian Hanks (05:13) I know. I just yeah. I'm not the best at marketing, right? So yeah, like we we call Kiera when we need   marketing advice. So okay.   Kiera (05:24) Mm-hmm.   Brian Hanks (05:24) So Kiera, here are some more stats for you.   Kiera (05:28) Okay, ready?   Brian Hanks (05:29) the average owner, dentist, makes $151,000 than the average more than the average associate. Okay, 151. Now that's   Kiera (05:37) I was like, hold on, 151   is bad. That's more than if you're being an associate. You're gonna make 151,000 more. Okay.   Brian Hanks (05:43) Yep. Yeah. And think about why   that is. Yep. That's obviously the you're taking on the risk. You're taking on the the pain and suffering of being an owner, right? So there's some compensation involved in   Kiera (05:51) Mm-hmm.   Brian Hanks (05:52) that. Those are two medians, right? And there is a bell curve around both of those numbers. So is it possible   Kiera (05:57) Course.   Brian Hanks (05:58) to make less as an associate? Yes. Yeah. Is it possible   to make a hell   Kiera (06:01) Mm-hmm. Uh-huh.   Brian Hanks (06:02) of a lot more than $151,000 more than an associate? Absolutely, yes, right. So there's there's room on both end of the ends of those those bell curves. but think about   So here's why I one of the data points why I think private practice ownership and dentistry is still it's bright and it's getting brighter. Is you think about the average associate you talk to, Kiera, the average associate I talk to when we're standing around a cocktail party or at mid mid the you know, wherever, some conference, Yankee, Midwestern.   Kiera (06:30) Mm-hmm.   Brian Hanks (06:31) And I will tell you the average associate that I talk to isn't saying, gosh, Brian, you know what? I love my boss. I love the DSO I'm working for.   I love my hours. I love the insurances we take, the assistant they force me to use, I love her, right? It's the future of private practice dentistry is bright because dentists are people. And people generally like   Kiera (06:52) Mm-hmm.   Brian Hanks (06:52) a little bit of control over their career if they can get it. And dentists absolutely can get it. So that's one of the data points that   Kiera (06:55) Yeah.   Brian Hanks (06:58) I love. Now, are dentists scared to get into ownership? And do higher on average student loan balances scare them marginally more than they did 10 years ago, 20 years ago? For sure.   Yep, absolutely. Here's the mistake   Kiera (07:11) Absolutely.   Brian Hanks (07:11) they make. So I'll give the associates listening or the students or whoever it is that's maybe telling you, Kiera, or telling me, or they're telling their, you know, the the person next to them on the treadmill at the gym while they're listening to this, like, sure, Brian, easy for you to say, but I don't feel ready. Right? I haven't taken all of Care's courses.   Kiera (07:30) Mm-hmm.   Brian Hanks (07:31) I haven't, I don't know how you know, I'm not the pro at treatment planning. My hands beat because you I I want to take this implant course first, right?   You come up, your brain comes up with all these excuses of why you don't feel ready. And I'm not gonna dismiss your feelings. I think your   Kiera (07:45) Mm-hmm.   Brian Hanks (07:46) feelings are valid. You should listen to them, but don't here here's another thing to consider in addition to your feelings. Is you know how there were like a hundred people in your dental school class, probably ish, right? And 10 of whom you would never let near your teeth. Like you watch them go through all four years of dental school and you're like,   Okay, of those 10 over there, like they're never getting, they're never giving me a shot. They're never in that nothing, right?   Kiera (08:10) Yep.   Brian Hanks (08:10) Because I guarantee you, nine out of ten of those dentists, they already own their practice. They're not bankrupt. They're making more money than you,   Kiera (08:16) Yeah.   Brian Hanks (08:17) and they are killing it. Meanwhile, you're scared to run a practice. And those, if   Kiera (08:22) Mm-hmm.   Brian Hanks (08:22) those jokers can figure it out, you can figure it out.   Kiera (08:26) Totally. Well, and I think also on there like, Brian, let's be real. Is anybody ready to be a business owner? Like I wasn't, I'm sure you weren't.   Brian Hanks (08:31) Nope. Nope.   Kiera (08:33) I think are people ready to be parents? The answer is no. Like nobody feels ready for that. Were you ready when you went into dental school? The answer's no. I think that there's this imposter syndrome that hits us all that we think, like, give me a little more time and I'm gonna get ready. Give me a little more time. And I will say that like the brass taxes, you jump into owning a business and you figure it out. Now, should you listen to some podcasts? Should you do some things? Like for sure.   But   like how many consultants and coaches are there that literally are gonna like grab your hand, walk you through, and make sure you don't make the mistakes? Like how many people like yourself are gonna walk you through buying the practice to where it's an actually great practice? I I think that I think there's more help today. Now, do I think there's a lot of noise and a lot of people that might be like posturing out there saying that they know what they're doing? Yes. So make sure you like vet them a little bit before you go and jump on a bandwagon of somebody, like someone who's been there, done that, done that successfully multiple times is who I'd bet on. But like   We are in such a day and age where there is so much information out there. You need to be a great clinician. We're gonna teach you how to be a great business owner. And as long as you're comfortable realizing that you've got to learn that side of it, that's to me, like if you're a good producer and you're a good human, like go for it. There's dentistry is so fun owning and practice because the sky is the limit. And ultimately there is no cap on what you're able to do, what you're able to produce, how you're able to do it.   And I think that there are very few careers out there, very few job opportunities that really are the sky's limit. Now, remember how I told you about that dentist who bought their own practice. They're now doing like two fifty this year, whatever they're he was making five hundred thousand as an associate. And so this   Brian Hanks (10:06) Yeah. Hi Bart.   Kiera (10:08) is one where like people be like, Well, gosh, like, you know, he went from five hundred thousand and now he's at a two point, I think he's gonna end around two to two point four this year. But like he had a great associateship. And so I think   There is still this just like uncanny, unnatural desire that you want to just own, you want to build. And I think dentistry is also if I look at like banks, they lend to dental practices, like almost guaranteed, like they have a they're pretty lucrative with like just shelling money out to your dental practice. And I'm like, if banks are willing to back, you've got to also see that your dental practice, like you have the greatest opportunity of not failing.   of any business venture you're going to do. Why is private equity coming in strong? Because they know dental practices are almost bulletproof of an investment to have. So when I look at all those reasons, I agree with you, Brian. People don't feel like they're ready, but I'm like, you're never gonna feel ready. But you have so many things stacking in your favor to help you be successful.   Brian Hanks (11:03) At the beginning of that, I   I don't I don't want people to miss that. If they missed the wisdom that Kiera just shared at the beginning of that, as she said, yeah, you use parenting. I think you use business ownership as some advice. Like I I just want to repeat what you said because it's so important. Dentistry is not like, I don't know, Kiera, scuba diving, right? If you go get scuba certified, you like practice in the pool. And then they like make you, you know, they learn, you know, you you learn taking the regulator out of your mouth and putting it back in and all that. And I imagine like dentists think   ownership, like there's gonna be some course I can take that's gonna prepare me for ownership kinda like scuba certification. That's like you gotta help me come up with   Kiera (11:38) Yeah.   Brian Hanks (11:39) a better example, but it's not it's not true. It's like parenting,   Kiera (11:42) I got you.   Brian Hanks (11:42) it's like marriage. It's like I don't know, business ownership, whatever it is. Like the the thing that prepares you for it is just doing it. Just just   try it out.   Kiera (11:50) Mm-hmm.   Brian Hanks (11:50) Yep.   Kiera (11:51) Well, and I think Brian, to that point, like the analogy is I think people think business ownership is a skill that can be learned in a one, two, three step versus like marriage, relationships, child, like being parents, business ownership. It's an evolution of soul and it's a it's a creating of who you are. It is not a skill. Like there are skill points to it, like learning to read a p PL, learning how what profitability is.   But business ownership in and of itself, I had a friend she's like, Kiera, you have to have kids. Like it will strip you down to your core and it will like show things to you that you've never had. And I said, Have you ever been a business owner? Cause I'll tell you that I'm pretty confident. I've got a lot of that stripping over here that's like breaking me down to my utter like most. But I think we think business ownership and running a practice, I'm not here to say that there's not like tactical pieces and we've broken it down. Like our team actually just went through this something. I'm like, there's really like   10 things that you need as systems that are really gonna make or break it. And you gotta know a couple of like core foundations and you got to know your numbers. Like beyond that, that's kind of your checklist. But to your point of like scuba diving or cooking or whatever, it's not this like checklist skill that you're going to have. And so I think, like you said, you're gonna look for this course. But I'm like, the course is life, the course is doing it, the course is going through it. And I think you've got to have the confidence of are you confident in you that no matter what comes your way, you're gonna be able to figure it out. And if so, business ownership is there for you.   And I would give more confidence to you than you give yourself. I've watched a lot of students. I worked at Midwestern. To your point of those 10 students, there was probably like 50 of them. Sorry, Midwestern grads, I was not letting any of you touch my mouth. Like genuinely, you needed a few years to practice and I'm not your practicey. But like I think I think you're more equipped than you give yourself credit for. Just like you're more equipped for life than you give yourself credit for. And I think business ownership is the same.   Brian Hanks (13:31) So Kiera, let's break down some of those numbers. by the way, better   analogy for business ownership is like health. Do you remember the first time by the way? if you're listening to this, it's pretty obvious if you're watching, but if you're listening, Kiera's in a lot better shape than me. But if if Kiera, I don't know if you had this moment. I I did when I was like 21, 22, that I realized at the I was at the gym, I was like lifting some weights, and I realized, I'll never be done with this. Like you're never done with health. So I think business ownership is a lot like.   Kiera (13:59) I do remember my moment   of that. Mine was   Brian Hanks (14:01) Yeah.   Kiera (14:03) not at the gym, Brian. Mine was actually in Bali, like a little flex there. I remember because   Brian Hanks (14:07) There you go.   Kiera (14:07) I was like having a lot of like knee and hip pain. And I was like, okay, I just have to like work out and then eventually this is gonna get better. And I remember I was walking down to the pool overlooking the ocean. I was like, I'm never gonna be done. Like this is my forever. Like I'm not like I used to just work out to be like skinny and fit. And now I'm like, no, you gotta do this so you don't freaking hurt and you can actually walk and get out of bed. Like it's never gonna end. And   I   sat there and read a book, quite depressed. And then I was like, okay, like this is what it you're right. It's it's a constant evolution of soul. You're never done parenting, you're never done in a relationship. Like you don't hit this, like, check the box, we've got a golden thing. It is a forever perpetual. But I also think that that's what drives dentists to go into that because they are of this obsession of wanting to be the best of the best. You want to get a better prep. You want to get a better crown crop. You go to CE, you're CE junkies out there. Like, this is just another level of obsession.   Of a space that's going to evolve you as a human and it's gonna allow you to grow. So yeah, thanks. That was that was a great that was a great analogy, Brian. Good good call on that one.   Brian Hanks (15:02) Yeah. Yeah, the the   the negative of the health analogy is that you're never done, but the positive is you can break it down. Like you can learn how to do certain lifts a little better. You can learn how to macro track. You can learn diet and exercise.   Kiera (15:14) So you're right, Brian. Like that was a solid call out on the health analogy. Like this is what people are obsessed about, but they want to have that evolution of soul. They want to like I think that that's why dentists are drawn to ownership, but I think they're just afraid. But I'm like, we're also afraid to work out. We're afraid to have kids. We're afraid like, so don't let fear hold you back. I think it's just a like, I don't know. It doesn't be like Nike, just do it, guys. Like that sounds like terrible business advice on my side.   Brian Hanks (15:37) Well just do it and but remember   remember how good you weren't at at all the clinical stuff that you're really   Kiera (15:44) Mm-hmm.   Brian Hanks (15:44) good at now, right? So dentists, the the superpower that most dentists have is that attention to detail, like the obsession over the details and and the the minutiae. And and as a patient, like I gotta go to filling next week, and as a patient, I want my sister thinking about all of the all of the little details, right? and   Kiera (16:04) Mm-hmm.   Brian Hanks (16:04) that superpower is real.   And I want the density like lean into it. If you're listening to this and that evolution of soul that that Kiera's talking about, part of that evolution for you is just remembering that that superpower that you have comes like there's another side to that coin. It comes with a downside. And the downside is the overthinking when you're not.   You know you're not that good at a thing. And if you know you're not that good at finding a dental practice to buy, analyzing a dental practice to buy, actually buying that practice, applying for a loan, like talking to lawyers, all those things, your brain is gonna start to spin a little bit. And j but but but here's the good news: your brain spun a thousand times already. Remember that first time they opened up the little mannequin to like practice, like prepping a crown or something, and you were like, How do I even do this? Right.   Kiera (16:49) Dexter, their little type   it on.   Brian Hanks (16:51) Yeah, like seriously, like you figure this out. You like and if the dentists that I deal with they're the smartest people on the planet, they're awesome. And and so if you can figure that stuff out,   Kiera (17:02) Mm-hmm.   Brian Hanks (17:02) my gosh, like first of all, hire somebody else like you to just be amazing for you in all the areas that you aren't amazing, and just remember that it doesn't this isn't rocket science. yeah, so you can figure this stuff out.   Kiera (17:14) Mm-hmm.   Brian Hanks (17:14) But okay, so speaking of minutia, speaking of details, I gave you the hundred and fifty one thousand dollar number.   Okay, here I did some math. I'm an accountant. I I know I know spreadsheets.   Kiera (17:22) Yeah.   Brian Hanks (17:24) I know how to do like compound interest and some those things. Here's what I did is I just is I said, what's the cost? Okay, if dentists aren't feeling ready, they want to feel like they have their student loans under control, which is smart, right? I'm a financial planner. Yeah, don't get yourself over your skis in debt. That's great. But like, how much is it gonna cost if you're the statistic?   Right. And the statistic is you're you, listener, right now, if you're not a practice owner, are waiting five years longer to own a practice. How much does that five years cost you? Right. And if you do the math, and I did the math at like a 38-year-old dentist versus a 33-year-old dentist. And I assumed that they actually retired at age, both retired at age 60. Okay. So like different lengths of associate part of your career and owner part of your career.   with compound interest, assuming 7% and some of those other variables that I put in there, it was a $1.14 million difference between those two numbers. So don't forget that while you're busy like taking care of your student loans so you can feel ready to buy a practice, it's costing you an enormous amount of money. And Kiera, I would just add, and I'm curious if you can think of any others, I would say the compound.   the compound effect that I'm talking about is not just money, although money is a big part of it. I think the compound effect applies to other things. Like how many more times and at bats would you have for treatment planning, for managing that difficult assistant, teaching someone how to answer the phones better, hiring, firing. Like there's a compound effect on all of those behavioral things too and and it's gonna cost you some money. So any thoughts on that?   Kiera (19:04) Mm-hmm.   Yeah, I think it's a I I was fascinated. I'm so glad that you went into the 1.1 because we had talked about that pre-show and I was just very fascinated of like, my gosh, like that's so much for people. That's so many things. Like there's a financial dollar amount, which I love because I think dentists really do. Like that's an easy one for me to be like, gosh, like me delaying this decision can cost me that much. But I think like there's also you still have to go through the   growth of learning to run a business. So not only is there a financial delay, but there's also the growth of you getting good at running a business and having it profitable and being able to make this thing run longer. And then you have more opportunities like I think about yourself. And the longer you're able to build this practice and like maybe do multiple like there's to me that's like such a it's fascinating. And I think I think the the call to today is there are some people that definitely are meant to be owners and there's some that aren't.   but I think if you have that itch, that scratch, I would really ask yourself, like, what truly are you waiting for? And when are you going to know that you're actually ready? Like you're never going to feel ready to have a child. You're like, I need to get these ducks in a row. Well, those ducks get in a row and then you got seven more ducks that come behind that you're like, I need get those in a row. So to me it'd be if I'm really wanting to buy a practice, what things do I need to have? Cl schedule a call with Brian. Like, I think Brian, this is why we put you on the podcast. I think you're fantastic. You don't put people into weird zones. you're very much like   If that dentist is producing and you don't do those skills and you don't do those type of procedures, don't buy that practice. Like you're not, you're gonna be broke. You're very, very pro making sure people feel confident and that they're able to buy it. And I think it's like buying a home. I remember when I first like went and talked to somebody about buying a home, I had no freaking clue and I wish I would have known more. But like until you start having the conversations, I think it can feel more daunting than it actually is. Then from there, like listen to the podcast, start listening to there's our podcast, there's other podcasts out there, start reading up on how to buy a practice.   But I think to me, there is like two parts to it. One is finding the right practice. Like what you buy, and I say like eyes wide open when you're looking in, and then rosy glasses as soon as you sign on that dotted line, and you're gonna see a lot and you're just gonna deal with it. From there, make sure you got somebody really solid in your corner. Like our practices, as soon as they buy, we take them on. I try to get them two to three months before they close. I wanna make sure we're getting things in. If you don't close on time or things happen, no problem. We're gonna pause you, get your practice in place. Like it's happened twice in hundreds of offices we've helped.   But then, like from there, just have somebody in your corner, somebody who's gonna help you grow in your first year. Most practices are seeing like a 10 to 30% increase in their first year. So if I'm buying a one million dollar practice, that's a hundred to three hundred thousand dollar uptick just by having somebody in the corner. That's very conservative. A million dollar practice, like we are usually growing those exponentially. But like you don't have to stress and freak out. Hey, I'm pinned.   Brian Hanks (21:45) Yep. By the way, I I d pin put a pin, put a pin, Kiera. You you gotta you gotta underline that. Yeah.   That's like underline that, underline it. Like keep going, keep going. I I'm throwing you off. I'm interrupting you, but like I will tell you the   Kiera (21:59) Yeah.   Brian Hanks (21:59) average buyer I talk to on the phone is so scared of patient attrition. They're like, Kiera, like   I'm gonna have 10%, 20%. What if 50% of the patients don't show up? Listen, that's a real fear. By the way, I want you to have that   Kiera (22:10) Right. Mm-hmm.   Brian Hanks (22:12) fear when you're like doing the margin on my crown, right? Like again, it's your superpower dentist,   Kiera (22:16) Mm-hmm.   Brian Hanks (22:17) but like my stats show exactly the same thing, Kiera is saying I have data to support what Kiera is saying that the average   Kiera (22:22) Mm-hmm.   Brian Hanks (22:24) dentist doesn't they have a negative attrition, which is just two negatives, right? So it's a positive. They the average buyer has more enthusiasm, they've got some more energy, they're gonna update the website, they're gonna maybe get rid of.   That one employee that everybody kind of knew probably s needed to go. And suddenly the practice is just gonna it's gonna take off. Ten to thirty percent. That's yeah, right in line with what I'm seeing. That's awesome. So sorry, I I'm interrupting you, keep going.   Kiera (22:47) Mm-hmm. And I think, no, y you are always this is a conversation. It's not like a dictation. So we're like this is real life rift here. I just think people like when you look at it, I think you're more capable than you think you are. I know that you can get the skills, you can figure it out. Like you said, I'm always like, okay, play the what ifs, lose 50% of your patients. Great. Well, we're gonna take those 50%. And there's ways you can actually grow a practice without even needing to have more new patients.   So   we're gonna maximize all those, we're gonna optimize them. You're going to pull in more people. Like it is one of those things that I'm like, I have yet to have a practice go bankrupt. So knock on wood, like you can be my first challenge accepted. Like I feel very confident that I'm not like, unless you completely botch it and you go into malpractice, like we're probably gonna be just fine. So odds of it happening, so minimal. Are you gonna be a little stressed out? Yeah. Like, welcome to business ownership, but you're also looking for growth, and that's why you're being called to this moment. Like   It will not go away. That itch will not go away until you scratch it. And scratching it, and I love that you said like they're waiting five years and that's a $1.1 million minimum. There's so many other pieces to it. So I think I think a lot of dentists like to have facts. I think a lot of dentists like to have that decision make logical sense. And then we back it up with emotional reasons. And I think it's a wise way to make decisions. But I I would just say if you're even remotely curious, like start going down the path. I know when I was going to buy a house.   I needed to go find out, like, I don't know about lenders, I didn't know about interest rates. I did and until you get into it, just like you wanted to be a dentist, but until you got into it and you started working on that type it on and you learned about dropping the box and like waxing it up and working on Dexter and then taking x-rays, like you didn't know it. And I think most of the time the fear comes from the lack of knowing. I will also say, and I've seen this a lot, Brian, a lot of dentists feel like because I'm a doctor and I'm a dentist, if I buy a practice, I should know how to run a practice. And   Brian Hanks (24:38) And   Kiera (24:38) I just want to like   Scratch that out. I want to tell you that that's not true. But I know a lot of you come in feeling like but Kiera, I'm a dentist, or Brad, I'm a dentist, like I'm a doctor, like people expect me to know this. And I want to say you think people expect you to know that, but the reality is you don't. You just need to be scrappy enough to figure it out. No one's expecting you to know anything. Honestly, you probably know way more than you think you do already. But I I want to just cut that because I know a lot of you have perfectionism like fear of being exposed that you're not that great.   Except that you don't know how to run a business just like you didn't know how to prep a crown, but you learned that and you're gonna learn how to do a business and you're gonna do it exponentially well because you are so detail oriented and you're gonna hire a great team around you, hire great coaches around you that you're literally like it's impossible for you to fail. And so I think Brian, like kudos on it, kudos on the stats, any other thoughts that you have around people and like how do they get to the nitty-gritty of actually going through   Brian Hanks (25:26) Let's get some yeah. I'll hit I'll hit you with more stats. Yeah.   Kiera (25:31) that.   Brian Hanks (25:32) Some more facts for dentists. You and you mentioned the failure rate. What is the actual failure rate in dentistry? It's it's 0.14% of dentists go bankrupt. Okay. And it's always, always, always one   Kiera (25:43) Incredible.   Brian Hanks (25:43) of three things. It's drugs, divorce, and then jail. You know, some kind of felony that doesn't have anything to do with practice. so you stay away from those   Kiera (25:51) Yep.   Brian Hanks (25:52) three things and you're guaranteed not to go bankrupt.   And it so what do dentists actually need to buy practice? We've done a good job of pumping people up, given the rah-rah speech. What do you actually need? You need five things, okay? and I almost guarantee you, unless you're in dental school right now, listening to this, you have the five right now. All right. almost guaranteed. and I'll go from hardest to easiest, Kiera. Okay. Hardest for people to get is you need 50k   Kiera (26:18) Okay.   Brian Hanks (26:19) cash. You need some cash. 50k is your magic number.   Has to be liquid. It's gotta be in a checking   Kiera (26:24) Mm-hmm.   Brian Hanks (26:24) savings money market account. Can't be in an IRA or home equity or something like that. but you need that money to show the bank that you're responsible. And by the way, you don't actually hand that money over to the bank. You keep it. Yeah, the bank just wants to see that you have some money to see that you're responsible.   Kiera (26:39) Mm.   Brian Hanks (26:40) And if you know COVID shuts us down again, can you still pay the bank the bank back a few months? All right. So most people have that.   Kiera (26:46) Mm-hmm, mm-hmm.   Brian Hanks (26:47) They've got fifty K or access to fifty K. That's like a side thing we could talk about.   Kiera (26:51) Totally.   Brian Hanks (26:52) Yep.   Kiera (26:52) Mm-hmm.   Brian Hanks (26:53) you need production history. You got to be able to do about 80% of the production of what a seller could do. So million-dollar GP practice, let's say 250 of that Kiera is hygiene, means the doctor was doing 750k a year in production. that means you as an associate need to do about 600   a year   Kiera (27:12) Mm-hmm.   Brian Hanks (27:12) to buy a million-dollar practice. Okay. Most associates listening, you know, public health, military, there are some special exceptions where we need to learn how to count.   procedures and things   Kiera (27:22) Mm-hmm.   Brian Hanks (27:23) like that. But most associates, they can do 600 to buy a million dollar practice. Okay, the 80%. most dentists don't have any problem with numbers threes and four, number three and four. Number three is you got to have a credit score over 680. It's pretty low. And it's a green light, red light. 681 credit score gets you the same interest rate as an 820. And and then you need a clean credit history is number four. And so no bankruptcies, no short sales, or a really good story.   Behind a bankruptcy or short sale. And then you need one year of experience out of dental school or a residency program. GPR, AEGD, specialty program, whatever it is. If you're in a residency program, you could buy a practice the day you get out of your residency. So that's it. And so technically, Kiera, you need number six. Number six is you need a practice to buy. And I'll be I'll be really blunt with people, that's the   Kiera (28:17) Mm-hmm.   Brian Hanks (28:17) hardest step.   Finding a good practice to buy is the hardest thing because everybody   Kiera (28:21) I agree.   Brian Hanks (28:22) wants to look for the practice in their pajamas. They think it's like buying a house. Like I'm gonna go on the MLS and I'm gonna look   Kiera (28:28) Mm-hmm.   Brian Hanks (28:28) for a dental practice. There is no such thing as the DLS, there's no dental listing service. And so if you're in your pajamas looking for a practice to buy, it's   Kiera (28:34) Mm-hmm.   Brian Hanks (28:36) not there. Sometimes it is, which is why people do it, but it's almost certainly not there, especially in the city you want to live right now. and so we'll have a podcast episode about how to   Find a practice well. But the sh here's the short version is you go talk to dentists. Build a network of dentists that know like and trust you. That's the   Six things and and most associates have And so attitude, like don't let us stop you, don't be scared. Like we did the like pump you up version of the speech. And here's the facts to back that up, is it's not actually that hard. Like with those six things, banks will not only give you a hundred percent of the purchase price, they'll give you a hundred percent of the purchase price, and then they'll hand you another seventy-five K in cash just to make sure you don't run out of money on the first day. Sometimes it's a hundred K. I've seen d banks give two hundred thousand dollars in cash.   Kiera (29:21) Mm-hmm.   Brian Hanks (29:21) before they even walk through the doors with you know the key in hand as an owner. So it's awesome. If if you're thinking about ownership and nine out of ten dentists are at some point in their career, it's it's really not it's not it's simple. It's not necessarily easy, but it's simple.   Kiera (29:41) Yeah. And Brian, even on the I've been talking to the Bank of America guys, and they were like, we even give like thirty to forty thousand to a new startup practice for consulting fees in addition to our working capital because   Brian Hanks (29:52) Yeah.   Kiera (29:53) we know that it's also going to help grow them. So there's so many pieces, and I think you've just listed off like really, I agree, like finding the practice and like sending out the postcards, getting to know the network, finding the dentist, like the practice that actually works for you, finding a seller that wants to sell for the price that you want.   I agree with you 100%. That is the hardest part. But I think Brian, you did an incredible job of breaking this down from the like, okay, you're probably gonna do it. Nine out of ten is do buy that. What are the exact steps that I need to take for this? And then I agree with you. Like, absolutely a follow-up podcast on like how to actually find a practice. But Brian, I'm curious if people are interested, like they want to start connecting and like this is what you do. And I know you guys are really generous with your time. How do people connect in with you to like even start the process? Like, again, I feel like curiosity.   Is the best place to be. Like let's just ask the questions. Let's figure it out. So Brian, how do people get connected in with you?   Brian Hanks (30:41) Pop over to Amazon, type in How To Buy A Dental Practice. That's the book. if you want, by the way, if you want a cheaper copy, you can go to the website. The website is DentalBuyerAdvocates.com. I'm happy to ship it to you like as a publisher copy, no strings attached. but yeah, just pop over to Amazon, DentalBuyerAdvocates.com. Care if people want to email me directly. I always offer this. And it's so fascinating to me how few people actually take me up on it. I would be more than happy to have a half an hour conversation with whoever you are, free of charge.   Send me an email, Brian@BrianHanks.com. It's B-R-I-A-N and Hanks like Tom Hanks. So yeah, that's how you get a hold of me.   Kiera (31:20) Amazing.   Well, Brian, thank you for breaking this down and for all of you listening. I hope that today was just a really insightful podcast for you. I hope it gave you the facts to back it up. I hope it gave you the emotional piece. I hope it gave you kind of the like step by step by step of how to get there. I'm so grateful for Brian being here. Everybody connect in with him. And for all of you listening, thank you for listening and I'll catch you next time on the Dental A Team Podcast.  

In this episode, Alejandro Szita shares his unique approach to relationship banking, focusing on building long-term financial relationships beyond transactions. He discusses the importance of personal touches, niche markets, and how to stand out in a highly regulated industry.   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   —--------------------

Sen. Marsha Blackburn had repeatedly presented herself publicly as an advocate for transparency surrounding Jeffrey Epstein, while Sen. Ron Wyden's investigation showed that she declined opportunities to help obtain precisely the financial records that could have shed more light on Epstein's operation. Beginning in 2024, Wyden's office reportedly approached Blackburn multiple times seeking her support for efforts to compel the release of Epstein-related suspicious activity reports and other banking records. When Treasury officials resisted Wyden's requests, he eventually pursued legislation that would force production of the material. According to the reporting, Blackburn's office never gave Wyden a clear commitment and did not respond affirmatively to a direct request that she co-sponsor the legislation, despite Blackburn continuing to publicly criticize others for supposedly obstructing Epstein transparency.That contradiction was the heart of the story: Blackburn's public rhetoric about exposing the Epstein scandal was being measured against what she actually did when presented with a concrete opportunity to assist a major congressional investigation. Wyden's investigation ultimately uncovered extensive evidence concerning Epstein's financial relationships and alleged compliance failures at JPMorgan, Deutsche Bank and Bank of America, making the records he sought potentially important to understanding how Epstein moved money and how financial institutions responded to warning signs surrounding him. The Banner's reporting therefore raised the question of whether Blackburn's highly visible demands for Epstein accountability were matched by meaningful action behind the scenes, or whether she was willing to campaign on transparency while declining to support one of the most substantial efforts in Congress to follow Epstein's money.to contact me:bobbycapucci@protonmail.comsource:Report alleges Blackburn refused to help with Epstein probe - Nashville BannerBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.

Join Dennis Voznesenski, CBA's Agricultural and Sustainability Economist, for this week's Agri Commodity Update - where escalating Black Sea export disruption, stronger oil-markets and improving Australian rainfall collide with farmgate prices. This week, Dennis unpacks why Australian APW1 prices fell as northern hemisphere harvest supply pressure and favourable local weather weighed on prices, before examining why Russia's wheat story is increasingly about how much grain it can get out, rather than simply how much it can produce. He also breaks down canola's rally from oil-markets, Black Sea logistics and North American biofuel demand, before turning to cattle markets where favourable rain and tight US beef supply remain supportive, but temporarily weaker export demand is limiting local price upside.   Disclaimer:    Important Information   This podcast is approved and distributed by Global Economic & Markets Research (“GEMR”), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”).  Before listening to this podcast, you are advised to read the full GEMR disclaimers, which can be found at www.commbankresearch.com.au.   No Reliance  This podcast is not investment research and nor does it purport to make any recommendations. Rather, this podcast is for informational purposes only and is not to be relied upon for any investment purposes.  This podcast does not take into account your objectives, financial situation or needs. It is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products, or as a recommendation, and/or investment advice. You should not act on the information in this podcast.   The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations made are reasonably held at the time given, and are based on the information available at the time of its compilation. No representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made.  Liability Disclaimer  The Bank does not accept any liability for any loss or damage arising out of any error or omission in or from the information provided or arising out of the use of all or part of the podcast.   Usage of Artificial Intelligence  To enhance efficiency, GEMR may use the Bank approved artificial intelligence (AI) tools to assist in preparing content for this podcast. These tools are used solely for drafting and structuring purposes and do not replace human judgment or oversight. All final content is reviewed and approved by GEMR analysts for accuracy and independence.       

Comment on the show?..send me a text!What if the fastest way to improve your iRating… is to stop chasing it?In this episode of The Lone Road iRacing Podcast, Guy Robertson looks back at the process that has taken his Formula iRating from just over 2,000 to more than 4,300, and why that same approach is now beginning to produce significant gains in Sports Cars.And this isn't theory.During one evening racing the Radical at the Nürburgring, three races produced three completely different outcomes:

Clue 4 of the Bank of Utah Where's the Wallet Cash Quest is out, and it is four lines of pure anagram bait. What's something that's sweet that you always want ample. Solve for M and you'll have something for the old hippocampal. Look for a place that's in the wrong spot, that's pretty and fun and feels like a plot.We ran the whole thing through a new segment called Start, Bench, Cut. Maple started, apple got benched, jingles got cut. Slope started, because M is slope. On hippocampal, Christian went full Greek mythology: the hippocampus is a creature with the head and body of a horse and the tail of a fish, horses get apples as treats, and the thing in the wrong spot is the tail. That is Horsetail Falls in Alpine, which sits in Phelps Canyon, which is the trail from last week's census question. It rated a 6.8. Chad liked the orchard on Dry Creek better.Also: the bonus clue came out as narcissus, which is a genus of daffodil, one week after we spent an episode on Wordsworth and the daffodils. Confirmation bias at its absolute best, and Christian's confidence in Alpine went down anyway.If you're here for real solve work, there's an anagram, a slope, and a 16th century anatomist in here. If you're here for Dolphin To Go, we have that too.In This Episode:Chad wants a spreadsheet tracking everyone who speaks in absolutes about their solveMaple or apple, and whether the line even has to make sense in the sentenceSolve for M, where M is slope, John Moyle, or nothing at allWhether they picked ample to rhyme with hippocampal or hippocampal to rhyme with ampleThe big P on the Alpine mountain, which is on Peterson's land and is therefore in the wrong spotPlot as a cemetery plot, a literary device, a garden bed, or the button on a TI-83Half-baked ideas, biggest robberies, and the worst lines from past hunt poemsLast week's question is answered: the one Alpine trail that shares a name with the 1850 census is Phelps Canyon.One ask. People have been searching the Alpine Cemetery. It's not there, we've looked, and it's a real cemetery with real families buried in it. Please leave it alone.We're hitting the trail this week and doing an Instagram Live from it. With audio this time.#utah #treasure #utahtreasurehunt #bankofutah #wheresthewallet

Who will win Money in the Bank 2026?! Karl & Antony run through the biggest potential contenders for WWE Money in the Bank 2026 and try to predict who will walk away with the men's and women's briefcases!On the women's side, we debate Roxanne Perez, Stephanie Vaquer, Paige, Lash Legend, Jade Cargill, Blake Monroe, Jacy Jayne, Sol Ruca, AJ Lee and Naomi - including whether Roxanne could finally get the payoff against Liv Morgan.Then we tackle the men's Money in the Bank picture, including Trick Williams, Solo Sikoa, Penta, LA Knight, Dominik Mysterio, Logan Paul, Bron Breakker Sami Zayn, Royce Keys and Oba Femi.Who has the best chance of winning? Who actually NEEDS the briefcase? And is WWE currently too risk-averse to use Money in the Bank to create a new main-event star?We also discuss whether Money in the Bank has become too predictable, whether the briefcase still needs to be tied to a world title, Logan Paul's potential involvement, and some very different ideas for what WWE could do with the briefcase.#MoneyInTheBank #MITB2026 #Wrestling #WWE2026

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Gregory Richardson. A cybersecurity expert and AI consultant. The conversation explores cybersecurity best practices, the rise of AI, and how Gregory is helping churches and nonprofits leverage technology to spread the gospel.

Dan Nathan and Guy Adami dig into the biggest story in markets: Nvidia's roundtable with Wall Street's top financiers — Jensen Huang, David Solomon, Jon Gray, and Stephen Schwarzman — and the multi-hundred-billion-dollar backstop deal getting compared to a modern-day CDO. Dan lays out why he thinks this AI CapEx build could make the dot-com bust and the GFC look tame, walks through Nvidia's doubling credit default swaps, and answers a listener question on exactly what would signal the bubble has popped. Plus: the cautionary tale of The Trade Desk's collapse from $140 to $14, why valuations are only richer once before in history (the dot-com peak), and a preview of what to watch in Cisco's earnings after the close today. Show Notes A short history of valuing stocks (FT) Wall Street just endorsed Jensen Huang's ‘big concept' for AI. What now? (CNBC) —FOLLOW USYouTube: @RiskReversalMediaInstagram: @riskreversalmediaTwitter: @RiskReversalLinkedIn: RiskReversal Media The financial opinions expressed in Risk Reversal content are for information purposes only. The opinions expressed by the hosts and participants are not an attempt to influence specific trading behavior, investments, or strategies. Past performance does not necessarily predict future outcomes. No specific results or profits are assured when relying on Risk Reversal. Before making any investment or trade, evaluate its suitability for your circumstances and consider consulting your own financial or investment advisor. The financial products discussed in Risk Reversal carry a high level of risk and may not be appropriate for many investors. If you have uncertainties, it's advisable to seek professional advice. Remember that trading involves a risk to your capital, so only invest money that you can afford to lose. Derivatives are not suitable for all investors and involve the risk of losing more than the amount originally deposited and any profit you might have made. This communication is not a recommendation or offer to buy, sell or retain any specific investment or service.

On today's episode, I'm joined again by Tezza Barton, founder of the Tezza App, to discuss building one of the most-used creative apps in the world, finding her voice as a creator, and what it's like to build a business alongside your partner. We also dive into motherhood, navigating grief after the loss of her sister, and how those experiences have shaped the way Tezza chooses to live, create, and inspire her kids. Plus, Tezza shares how she found her creativity again after becoming a mom, how she helps keep her kids inspired, and what she would do differently if she were starting her creator journey today. Whether you're building a business, navigating motherhood, finding your creative voice, or simply looking for inspiration to live more intentionally, this episode is packed with honest insights and inspiration. Enjoy!To connect with Siff on Instagram, click HERE.To connect with Siff on Tiktok, click HERE.To learn more about Arrae, click HERE. To check out Siff's LTK, click HERE.To check out Siff's Amazon StoreFront, click HERE. To connect with Tezza Barton on Instagram, click HERE.To connect with Tezza Barton on Tiktok, click HERE.To download the Tezza app, click HERE.This episode may contain paid endorsements and advertisements for products and services. Individuals on the show may have a direct, or indirect financial interest in products, or services referred to in this episode.Head to vitaclean.co and use code DREAM at checkout (Shower Head Starter Kits). Again, that's code DREAM at vitaclean.coText DREAM to 64000 to get 20% off all IQBAR products, plus FREE shipping. Message and data rates may apply.Right now, you can save up to $230 on the 12 piece cookware set vs buying the products individually. And you can find even more set savings when you shop Caraway's full Kitchenware collection. Plus For a limited time, every dollar you spend on clean kitchenware gets you closer to your dream kitchen – or $100,000 cash! Visit Carawayhome.com/BIGGER to take an additional 10% off your next purchase. This deal is exclusive for our listeners, so visit Carawayhome.com/BIGGER or use code BIGGER at checkout.Upgrade your everyday. Go to Quince.com/dreambigger for free shipping on your order and 365-day returns. Now available in Canada and the UK, too. That's Quince.com/dreambigger for free shipping and 365-day returns. Quince.com/dreambiggerProduced by Dear MediaSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Welcome back, roadies! Todd and Jim are joined in the corner of Rick House in Frankfort, Kentucky by returning guest Drew Hannush of the Whiskey Lore podcast for his sixth appearance on the show. The crew had just come off a big night in Lawrenceburg attending the premiere of Bo Cumberland's documentary *Spirit of Lawrenceburg*, a film tracing the deep distilling heritage of Anderson County — and they brought a very special bottle back from the event to kick things off. Drew also shares details about his ongoing research into the early history of bourbon, including a new book project that he is releasing chapter by chapter on his podcast as he writes it, inviting listener feedback in real time. On the Tasting Mat: - WH McBrayer 250th Special Edition Kentucky Straight Bourbon Whiskey: A limited release of only 1,776 bottles celebrating 250 years of the McBrayer legacy. Bottled at 105 proof from a blend of 11 barrels aged five to seven years, using the distinctive Bloody Butcher corn mash bill (88.4% Bloody Butcher corn, 5.8% Heritage Rye, 5.8% Malted Barley). The nose opens with stone fruits — pear and apple — alongside a well-aged grain character and a light mint note. The palate is full and lingering, leaning sweet upfront before drying out with oak, rye spice, and cinnamon on the finish. MSRP $100, available at select Northern Kentucky retailers and at Bourbon on the Bank. *(00:01:58)* - Hard Truth Double Oak Sweet Mash Bourbon: A limited release from Hard Truth Distilling Co. in Nashville, Indiana, bottled at 106.1 proof. Made from a mash bill of 73% corn, 19% rye, and 8% malted barley, this expression undergoes a secondary aging of over one year in a second custom-char new American oak barrel. Only 28 barrels were produced. The nose is relatively subdued with mild herbal notes, but the palate delivers a rich, concentrated punch of sweetness backed by dark fruits, graham cracker, toasted granola, and a bitter dark chocolate finish with hints of cola. The secondary barrel adds sweetness without overwhelming the whiskey with char or marshmallow notes. MSRP approximately $60. *(00:17:30)* - Bardstown Bourbon Company Victoria Pineapple Barrel Finish: A finished American whiskey blending 10- and 11-year-old straight bourbon and rye, aged 27 months in rum casks that previously held premium rum aged with prized Victoria Pineapple — with fresh pineapple also added directly to the barrel during finishing. Bottled at 106.1 proof and available only in Kentucky. MSRP $140 for a 750ml. The nose is immediately tropical and warming, with grilled pineapple and a gentle burn. The palate is lush and syrupy-sweet — not quite cloying — with a mouthfeel that lingers, layers of tropical fruit, and just enough rye spice and dark cherry emerging on subsequent sips. The panel agreed this pours like a cocktail in a glass, with strong potential as a highball or warm-weather sipper. *(00:30:00)* - Potter Jane Big Fat Liar Kentucky Straight Bourbon Whiskey: The first aged whiskey release from Potter Jane Distilling Company in Springfield, Kentucky, founded by industry veterans Denny Potter and Jane Bowie. The name playfully references their earlier vow never to source whiskey — a promise this bottle good-naturedly breaks. Aged six years, vatted for seven months in American and French oak casks, and bottled at 109.4 proof. Limited to approximately 1,200 bottles, released during Kentucky Bourbon Week. MSRP $49.99. The nose is light and classic, with vanilla, a touch of apple, and a hint of citrus. The palate is well-balanced and viscous, with a sweet sizzle on entry, apple cobbler, restrained dark chocolate, and a quiet coffee-bean note on the finish. Crushable and approachable at proof, with nothing out of place. *(00:33:26)* Four bottles, four personalities, one memorable evening in Kentucky bourbon country. Whether you caught the *Spirit of Lawrenceburg* premiere or are just tuning in for the whiskey, this episode covers the spectrum from heritage grain bourbons to tropical barrel experiments — all in a tight proof band that made for a genuinely competitive tasting mat. Be sure to check out Drew Hannush and the Whiskey Lore podcast, and head over to thebourbonroad.com to join the Roadie Bar, search our full archive of 1,360-plus tasting notes, and keep up with everything happening on the Bourbon Road.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Gregory Richardson. A cybersecurity expert and AI consultant. The conversation explores cybersecurity best practices, the rise of AI, and how Gregory is helping churches and nonprofits leverage technology to spread the gospel.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Attorney S. Diane Clair. A Georgia-based attorney, real estate law professor at Kennesaw State University, and founder of a law practice specializing in real estate, estate planning, probate, business, and contract law. The discussion focuses on wealth building through real estate investing, asset protection, and estate planning strategies for generational wealth. [S. DIANE CLAIR | Txt] Purpose of the Interview The primary purpose of the interview was to: Educate listeners about real estate investing opportunities, including lesser-known strategies such as tax liens and tax deeds. [S. DIANE CLAIR | Txt] Stress the importance of working with qualified legal professionals instead of relying on Google, social media, AI tools, or generic legal templates. [S. DIANE CLAIR | Txt] Promote wealth preservation through estate planning, particularly trusts and business structures. [S. DIANE CLAIR | Txt] Encourage minority communities to create estate plans and pass wealth to future generations. [S. DIANE CLAIR | Txt] Key Takeaways 1. Don't Rely Solely on Google, Social Media, or AI for Legal Advice Clair warns that many individuals attempt to create wills, trusts, and legal documents online without professional guidance. She emphasizes that legal matters require experienced attorneys because AI and internet sources may provide incomplete or incorrect information. [S. DIANE CLAIR | Txt] Why it Matters Legal mistakes can create costly problems later. AI-generated content can be inaccurate. Estate planning and real estate transactions require professional review. [S. DIANE CLAIR | Txt] 2. Real Estate Is a Powerful Wealth-Building Tool Clair argues that real estate remains one of the strongest ways to build and transfer wealth between generations. She highlights its relative stability compared to stock market fluctuations. [S. DIANE CLAIR | Txt] Benefits Mentioned Builds long-term wealth Generates passive income Creates assets that can be inherited Helps achieve financial freedom [S. DIANE CLAIR | Txt] 3. Start Real Estate Investing Through a Business Entity One of Clair's first recommendations is to establish a legal business structure before purchasing investment properties. Recommended Structures LLC Corporation Other formal business entities [S. DIANE CLAIR | Txt] She repeatedly stresses that investment assets ideally should not be owned in an individual's personal name. [S. DIANE CLAIR | Txt] 4. You Don't Need Large Amounts of Money to Invest A major myth she debunks is that real estate investing requires significant capital. Entry-Level Strategies Tax liens Tax deeds Foreclosure purchases Fix-and-flip projects Rental properties [S. DIANE CLAIR | Txt] According to Clair, investors can begin with relatively small amounts by purchasing tax liens and earning interest when property owners redeem them. [S. DIANE CLAIR | Txt] 5. Estate Planning Is Largely Ignored Clair shares a startling statistic: Approximately 64% of Americans do not have an estate plan. Among minorities, that number rises to about 70%. [S. DIANE CLAIR | Txt] She believes the problem is educational rather than financial, noting that even wealthy celebrities frequently fail to plan their estates. [S. DIANE CLAIR | Txt] 6. Trusts Are Better Than Wills for Many Situations Clair strongly favors trusts, especially irrevocable trusts, as vehicles for preserving wealth. Advantages of Trusts Avoid probate Potential tax benefits Asset protection Easier transfer of wealth Can operate while the creator is still alive [S. DIANE CLAIR | Txt] Difference Between a Will and a Trust Will Takes effect after death Goes through probate court Directs distribution of assets [S. DIANE CLAIR | Txt] Trust Can function during the owner's lifetime Avoids probate Can provide stronger protection and tax advantages [S. DIANE CLAIR | Txt] 7. Asset Protection Is Essential Clair explains that trusts can own: Real estate Bank accounts Businesses Investments Other valuable assets [S. DIANE CLAIR | Txt] Because the trust, rather than the individual, owns the property, there can be additional protection from lawsuits and claims. [S. DIANE CLAIR | Txt] Notable Quotes On Legal Services Beyond Personal Injury Law "You can hire lawyers for way more, and we can assist you in way more." [S. DIANE CLAIR | Txt] On Using AI for Legal Matters "AI is not really something you want to trust... It creates and makes up stuff." [S. DIANE CLAIR | Txt] On Professional Guidance "You want to book a consultation with an attorney." [S. DIANE CLAIR | Txt] On Real Estate Investing "A lot of people have that misconception that you have to have a lot of money to start investing in real estate, and that's not true." [S. DIANE CLAIR | Txt] On Generational Wealth "Real estate is something that is the best thing to invest in and pass down to future generations." [S. DIANE CLAIR | Txt] On Estate Planning "This is not a money thing... It's an education thing." [S. DIANE CLAIR | Txt] On Trusts "The best estate planning instrument is always going to be a trust." [S. DIANE CLAIR | Txt] On Asset Ownership "Don't have anything in your own name, have it in the name of the trust or in the business." [S. DIANE CLAIR | Txt] Overall Message Attorney Diane Clair's central message is that wealth creation and wealth preservation must work together. Building assets through real estate is important, but equally important is protecting those assets through proper business structures, trusts, estate planning, and professional legal guidance. The interview encourages listeners, especially entrepreneurs and minority communities, to think long term about generational wealth, asset protection, and financial legacy rather than short-term gains. [S. DIANE CLAIR | Txt] #BEST #STRAW #SHMS Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

This should be fun.

Stop leaving yourself vulnerable to data breaches. Go to my sponsor https://aura.com/matt to get a 14-day free trial and see if any of your data has been exposed⁣ ⁣ ⁣ Portia Louder became entangled in a massive real estate fraud scheme involving inflated appraisals and hard money loans, eventually leading to an $11 million restitution order and a seven-year federal prison sentence. ⁣ ⁣ Connect with Portia⁣ Instagram: https://www.instagram.com/portialouder/⁣ Facebook: https://www.facebook.com/portialouder⁣ YouTube: https://www.youtube.com/user/chlouder⁣ Website: https://portialouder.com/⁣ ⁣ Get 50% sitewide for a limited time. Just visit https://GhostBed.com/cox and use code COX at checkout.⁣ ⁣ Do you want to be a guest? Fill out the form https://forms.gle/5H7FnhvMHKtUnq7k7⁣ ⁣ Send me an email here: insidetruecrime@gmail.com⁣ ⁣ Do you extra clips and behind the scenes content?⁣ Subscribe to my Patreon: https://patreon.com/InsideTrueCrime ⁣ ⁣ ⁣ Follow me on all socials!⁣ Instagram: https://www.instagram.com/insidetruecrime/⁣ TikTok: https://www.tiktok.com/@matthewcoxtruecrime⁣ ⁣ ⁣ Do you want a custom painting done by me? Check out my Etsy Store: https://www.etsy.com/shop/coxpopart⁣ ⁣ Listen to my True Crime Podcasts anywhere: https://anchor.fm/mattcox ⁣ ⁣ Check out my true crime books! ⁣ Shark in the Housing Pool: https://www.amazon.com/dp/B0851KBYCF⁣ Bent: https://www.amazon.com/dp/B0BV4GC7TM⁣ It's Insanity: https://www.amazon.com/dp/B08KFYXKK8⁣ Devil Exposed: https://www.amazon.com/dp/B08TH1WT5G⁣ Devil Exposed (The Abridgment): https://www.amazon.com/dp/1070682438⁣ The Program: https://www.amazon.com/dp/B0858W4G3K⁣ Bailout: https://www.barnesandnoble.com/w/bailout-matthew-cox/1142275402⁣ Dude, Where's My Hand-Grenade?: https://www.amazon.com/dp/B0BXNFHBDF/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1678623676&sr=1-1⁣ ⁣ Checkout my disturbingly twisted satiric novel!⁣ Stranger Danger: https://www.amazon.com/dp/B0BSWQP3WX⁣ ⁣ If you would like to support me directly, I accept donations here:⁣ Paypal: https://www.paypal.me/MattCox69⁣ Cashapp: $coxcon69 Learn more about your ad choices. Visit megaphone.fm/adchoices

Today's crypto market is quiet, but it is not calm in a healthy way. Bitcoin is sitting around $64K ahead of the July CPI report, with perpetual trading activity at its lowest level since 2023 and volatility still compressed. The market is waiting for a macro catalyst, but underneath the surface, traders are cautious, altcoins are fragile, and sell pressure from public miners remains a real issue.The biggest security story is Harmony. The project confirmed an exploit where an attacker minted roughly 4 billion ONE tokens, equal to more than a quarter of the supply. ONE fell around 40%, exchanges were asked to freeze funds, and Harmony is now looking at emergency fixes and possible rollback options. That is not just a hack. That is a monetary-integrity failure.On the institutional side, Fidelity is moving to add staking and quarterly cash payouts to its nearly $900 million Ether ETF. That is a major step toward yield-bearing Ethereum ETFs. At the same time, public Bitcoin miners have sold about 28,000 BTC this year, worth roughly $1.78 billion, adding another layer of selling pressure to the market.Regulation is also busy. Russia wants retail crypto trading limited to Bitcoin, Ether, and USDT. The Bank of England is testing how stablecoins and a potential digital pound could work together in trade finance. The CFTC is fighting New York to keep Kalshi operating, while FlightAware dropped its separate lawsuit against Kalshi after just one day.The core theme today: Bitcoin is stuck in hibernation, but the rest of crypto is not quiet. Exploits, regulation, tokenized finance, Ethereum staking, and AI competition are all moving while BTC waits for CPI. Hosted on Acast. See acast.com/privacy for more information.

In this episode, Luis Castillo shares insights into trade financing, its potential in real estate and international business, and how entrepreneurs can leverage insurance and risk mitigation to grow their ventures. Discover how to become your own bank and explore new opportunities in global markets. In this episode, Luis shares insights on licensing, residual income, business scaling, and life balance, emphasizing the importance of passion and leadership in entrepreneurship.   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   —--------------------

Greg Foss is back. After stepping away from Twitter and spending time on Nostr, the veteran credit analyst explains what pulled him back: young people reaching for socialism, and credit markets he sees as far less healthy than equities. The credit default swap thesis. Foss walks through his method: take the CDS spread on U.S. government debt, multiply by total obligations including unfunded liabilities, then compare that to Bitcoin's market cap. He flagged his spread number as from memory. Why insurance, not a risk asset. Most holdings are short volatility: when volatility rises, they fall. Foss argues Bitcoin should do the opposite, and credits BlackRock's Larry Fink as one of the few in traditional finance framing it that way. The rate the Fed does not control. Warsh has suggested AI productivity gains leave room to cut. Foss points instead to the 10-year Treasury, set in the open market, which could rise if investors demand more for U.S. credit risk. Credit markets are flashing before equities. A listener asked about widening CDS spreads across AI infrastructure names. Foss compared NVIDIA's vendor financing to Nortel and Lucent in 2000, and pointed to CoreWeave's tight debt service covenant. Banking is a leveraged business. From inside an insolvent Bank of Boston in 1992, Foss saw the math up close: roughly $5 of equity behind every $100 loaned. He argues Bitcoin can act as a safety net against that fragility. Bitcoin mining versus AI data centers. Miners can switch off in seconds and chase stranded energy; AI workloads cannot. Suze raised UK curtailment spending and ERCOT's grid balancing record, and asked whether mining gets built into AI sites. What the ETFs changed. Foss says a Wall Street wrapper was necessary for institutional allocation, while raising the paper Bitcoin question. He runs a 5% of global assets thought experiment, stressing he is not certain it happens. Treasury companies as an evolution, not an endpoint. Foss says he admires Michael Saylor without admiring every lever pulled, notes the premium to underlying Bitcoin has collapsed toward parity, and expects these vehicles to matter less over time. Bitcoin as collateral, and pensions inching in. Foss calls Bitcoin pristine collateral and a natural extension of lending. Dom described recommending it to pension boards years ago and pointed to a Michigan 13F filing adding to its position.

Waiting three to five days for funds isn't just annoying, it quietly reshapes entire business models. I sit down with Arpit Goel, CEO of Root, to unpack why money movement in the United States still depends on slow, multi-hop workflows and how that slowness creates “float” across payroll, staffing, marketplaces, insurance, and the creator economy. When settlement is delayed, someone benefits, and Arpit makes a sharp case that incentives are the real blocker, not the lack of technology.We dig into what Root is building in the instant payments space: a non-custodial, bank-to-bank infrastructure layer that aims to deliver true real-time payments where funds settle in seconds and can be used immediately. Arpit explains the “Zelle for businesses” idea, why it matters for enterprise disbursements, and how programmatic treasury APIs can help companies ship faster without spending a year integrating directly with a bank. We also talk about the current US real-time rails, including FedNow and RTP, and why adoption is accelerating as standards and competition push the ecosystem forward.Then we zoom out to the trends payments leaders can't ignore: agentic payments, fraud and liability, strong customer authentication, and the stablecoin-to-bank convergence as regulation catches up. Arpit's final message is direct: compliance is a follower, and security needs to be years ahead as AI-driven attacks scale faster than humans ever could. Subscribe for more conversations like this, share the episode with a payments leader, and leave a review so more builders can find it.

State of the Bay explores the risks of extreme heat and how our city can prepare, delves into the debate over whether San Francisco should establish a public bank and hears about SF's boom and bust history.

ASB's settlement over alleged historic breaches of credit disclosure rules has affected its bottom line. The bank reached a $135.6-million-dollar settlement in October last year. In annual results released today, ASB's reporting a six-percent rise in operating income, but a 16 percent rise in operating expenses. CEO Vittoria Short says inflation and new investments in technology also added to the profit drop. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Gregory Richardson. A cybersecurity expert and AI consultant. The conversation explores cybersecurity best practices, the rise of AI, and how Gregory is helping churches and nonprofits leverage technology to spread the gospel.

What if fear wasn't something holding you back, but something you could learn to use to move forward? On this re-release episode of the Live Greatly podcast, Kristel Bauer sits down with Michelle "Mace" Curran, former fighter pilot, bestselling author of The Flipside: How to Invert Your Perspective and Turn Fear into Your Superpower, and only the second woman in history to fly as Lead Solo Pilot for the U.S. Air Force Thunderbirds. Michelle shares lessons from her extraordinary career about reframing fear, building confidence, navigating self-doubt, and taking bold action when the stakes are high. Kristel and Michelle also explore imposter syndrome, breaking through perceived limitations, and how shifting your perspective can help you move toward your personal and professional goals. Key Takeaways From This Episode: How to reframe fear and use it to move forward Strategies for building confidence and working through self-doubt Michelle's journey as a female fighter pilot and USAF Thunderbird How to navigate imposter syndrome Why changing your perspective can help you break through barriers How to take bold action even when you feel afraid or uncertain Tune in to learn how to change your relationship with fear, strengthen your confidence, and step more boldly into what's possible. ABOUT MICHELLE "MACE" CURRAN: Michelle "Mace" Curran shattered barriers as a combat fighter pilot and only the second woman in history to fly as the Lead Solo Pilot for the USAF Thunderbirds—a role reserved for the best of the best. Now a bestselling author, keynote speaker, and LinkedIn Top Voice, she shares powerful lessons on confidence, leadership, and bold action with audiences worldwide. Michelle has worked with leading brands like Microsoft, SpaceX, Boeing, and PwC, and has been featured on The Kelly Clarkson Show, CBS Evening News, and Glamour. Through her upcoming book, The Flipside: How to Invert Your Perspective and Turn Fear into Your Superpower (Sept 9, 2025), she equips women with the mindset and strategies to push past self-doubt, embrace boldness, and lead authentically.   Connect with Michelle Order Michelle's book: https://a.co/d/63K0A9r  Website: https://macecurran.com/  Linkedin: https://www.linkedin.com/in/macecurran/  Instagram: https://www.instagram.com/mace_curran/  Facebook: https://www.facebook.com/macecurran/  About the Host of the Live Greatly podcast, Kristel Bauer: Kristel Bauer is a corporate wellness and performance expert, keynote speaker and TEDx speaker supporting organizations and individuals on their journeys for more happiness and success. She is the author of Work-Life Tango: Finding Happiness, Harmony, and Peak Performance Wherever You Work (John Murray Business November 19, 2024). With Kristel's healthcare background, she provides data driven actionable strategies to leverage happiness and high-power habits to drive growth mindsets, peak performance, profitability, well-being and a culture of excellence. Kristel's keynotes provide insights to "Live Greatly" while promoting leadership development and team building.   Kristel is the creator and host of her global top self-improvement podcast, Live Greatly. She is a contributing writer for Entrepreneur, and she is an influencer in the business and wellness space having been recognized as a Top 10 Social Media Influencer of 2021 in Forbes. As an Integrative Medicine Fellow & Physician Assistant having practiced clinically in Integrative Psychiatry, Kristel has a unique perspective into attaining a mindset for more happiness and success. Kristel has presented to groups from the American Gas Association, Bank of America, bp, Commercial Metals Company, General Mills, Northwestern University, Santander Bank and many more. Kristel has been featured in Forbes, Forest & Bluff Magazine, Authority Magazine & Podcast Magazine and she has appeared on ABC 7 Chicago, WGN Daytime Chicago, Fox 4's WDAF-TV's Great Day KC, and Ticker News. Kristel lives in the Fort Lauderdale, Florida area and she can be booked for speaking engagements worldwide. To Book Kristel as a speaker for your next event, click here. Website: www.livegreatly.co  Follow Kristel Bauer on: Instagram: @livegreatly_co  LinkedIn: Kristel Bauer Twitter: @livegreatly_co Facebook: @livegreatly.co Youtube: Live Greatly, Kristel Bauer To Watch Kristel Bauer's TEDx talk of Redefining Work/Life Balance in a COVID-19 World click here. Click HERE to check out Kristel's corporate wellness and leadership blog Click HERE to check out Kristel's Travel and Wellness Blog Disclaimer: The contents of this podcast are intended for informational and educational purposes only. Always seek the guidance of your physician for any recommendations specific to you or for any questions regarding your specific health, your sleep patterns changes to diet and exercise, or any medical conditions.  Always consult your physician before starting any supplements or new lifestyle programs. All information, views and statements shared on the Live Greatly podcast are purely the opinions of the authors, and are not medical advice or treatment recommendations.  They have not been evaluated by the food and drug administration.  Opinions of guests are their own and Kristel Bauer & this podcast does not endorse or accept responsibility for statements made by guests.  Neither Kristel Bauer nor this podcast takes responsibility for possible health consequences of a person or persons following the information in this educational content.  Always consult your physician for recommendations specific to you.

Originally aired in May of 2020: Previewing Money in the Bank with Zach Smith, host of the NXT review shows on The WWE Podcast. Is it possible we see Braun Stroman join Bray Wyatt? If so, when? Also, is there anyone beyond Shana Baszler that could win the Women's side of things? What about AJ Styles, is he truly the favorite in the Men's Money in the Bank ladder match? We cover all of this and so much more!GO AD-FREE at patreon.com/wwepodcastBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-wwe-podcast--2187791/support.

President Trump's latest executive order is aimed at overhauling the nation's childhood vaccination recommendations. He is directing federal agencies to cut the number of vaccines children receive and spread out their shots across more doctor ‘s appointments. Trump's new "gold standard" recommendations consist of only 11 core vaccinations against the most serious diseases, along with the MMR vaccine, which the president hopes will eventually be administered as separate shots rather than as a combined vaccine. Doctors are already speaking out against these changes, saying it means fewer children will be fully vaccinated. The Washington Post is reporting that President Trump had to be smuggled out of Turkey in a catering truck and onto a smaller airplane in an attempt to thwart threats against him. We'll discuss it all with Pulitzer Prize winning author and investigative journalist David Cay Johnston. The Trump administration‘s grifting, scandals and interesting pardon policies have us following the money. We get help in that regard from Dr. Bill Black. He is a law professor and the author of “The Best Way to Rob a Bank is to Own One.” The Mark Thompson Show 8/11/26 Patreon subscribers are the backbone of the show! If you'd like to help, here's our Patreon Link: https://www.patreon.com/themarkthompsonshow Maybe you're more into PayPal. https://www.paypal.com/donate/?hosted_button_id=PVBS3R7KJXV24 And you'll find everything on our website: https://www.themarkthompsonshow.com The Mark Thompson Show has an official new Facebook page. Please join! Here's the link: https://m.facebook.com/TheMarkThompsonShow/ Show sponsors: coachellavalleycoffee.com - use code MarkT at check out to save 10%

MRKT Matrix - Tuesday, August 11th S&P 500 falls amid Iran uncertainty, Big Tech losses (CNBC) An inflation report Wednesday should be a big deal for the Fed. Here's what to expect (CNBC) Santoli: Stocks return to winning ways. Why the market gods may not be satisfied with July's brief pain (CNBC) One big question remains for the bull market, says Bank of America (CNBC) Investors poured $2.3 billion into this riskier corner of the bond market in July (CNBC) Nvidia is trying to quiet ‘circular financing' accusations. Wall Street is unsure it will (CNBC) AI computing power is becoming a tradable asset class as CME launches futures contracts (CNBC) SpaceX shares can more than double, Morgan Stanley says. The bull thesis isn't based on space business (CNBC) --- Subscribe to our newsletter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://riskreversal.substack.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ MRKT Matrix by RiskReversal Media is a daily AI powered podcast bringing you the top stories moving financial markets Story curation by RiskReversal, scripts by Perplexity Pro, voice by ElevenLabs

LEARN MORE about NDX: ⁠⁠https://www.nasdaq.com/nasdaq-100-options-xnd-ndx?utm_medium=Podcast&utm_source=RiskReversal⁠ SUBSCRIBE to our newsletter: http://riskreversal.substack.com/ Dan Nathan & Guy Adami break down the top market headlines and bring you stock market trade ideas for Tuesday, August 11th. -- Learn more about FactSet: https://www.factset.com/lp/mrkt-callFollow us on Twitter @MRKTCallFollow @GuyAdami on TwitterFollow @CarterBWorth on TwitterFollow us on Instagram @RiskReversalMediaLike us on Facebook @RiskReversalWatch all of our videos on YouTube Learn more about your ad choices. Visit megaphone.fm/adchoices

On this podcast listen to Jerry find, call, offer and negotiate with an agent on a bank owned property.With over 500,000 subscribers, this is the #1 channel on YouTube for all things wholesaling and flipping. SUBSCRIBE NOW! https://www.youtube.com/@FlippingMastery Podcast fan? Listen to your favorite Flipping Mastery TV videos on your favorite podcast platform! http://FlippingMasteryPodcast.com Jerry Norton went from digging holes for minimum wage in his mid 20's to becoming a millionaire by the age of 30. Today he's the nation's leading expert on flipping houses and has taught thousands of people how to live their dream lifestyle through real estate. **NOTE: To Download any of Jerry's FREE training, tools, or resources… Click on the link provided and enter your email. The download is automatically emailed to you. If you don't see it, check your junk/spam folder, in case your email provider put it there. If you still don't see it, contact our support at: support@flippingmastery.comGet Access to Unlimited Free Property Searches and Downloads: https://flippingmastery.com/propwireWholesaling & House Flipping Software: https://flippingmastery.com/flipsterpodMake $10,000 Finding Deals: https://flippingmastery.com/10kpodGet 100% funding for your deals: https://flippingmastery.com/fspodMentoring Program: https://flippingmastery.com/ftpodFREE 8 Week Training Program: https://flippingmastery.com/8wpodGet Paid $8700 To Find Vacant Lots For Jerry: https://flippingmastery.com/lfpodFREE 30 Day Quickstart Kit https://flippingmastery.com/qkpodFREE Virtual Wholesaling Kit: https://flippingmastery.com/vfpodFREE On-Market Deal Finder Tool: https://flippingmastery.com/dcpodFREE Wholesaler Contracts: https://flippingmastery.com/wcpodFREE Comp Tool: https://flippingmastery.com/compodFREE Funding Kit: https://flippingmastery.com/fkpodFREE Agent Offer Sheet & Scripts: https://flippingmastery.com/aspodFREE Cash Buyer Scripts: https://flippingmastery.com/cbspodFREE Best Selling Wholesaling Ebook: https://flippingmastery.com/ebookpodFREE Best Selling Fix and Flip Ebook: https://flippingmastery.com/ebpodFREE Rehab Checklist: https://flippingmastery.com/rehabpod LET'S CONNECT! FACEBOOK http://www.Facebook.com/flippingmastery INSTAGRAM http://www.instagram.com/flippingmastery

Michael Howell, CEO of CrossBorder Capital, an investment advisory firm, and author of Capital Wars, returns to explain why the global liquidity cycle peaked in late Q3/early Q4 of last year — and what that means for the rest of 2026. His core argument: money is fungible but finite, and a booming real economy is now pulling liquidity out of financial assets, which compresses P/E multiples even as earnings look fine. That puts us in what he calls the speculation phase: rising bond yields, strong commodities, pressured crypto, and low-quality equity returns where index gains mask widespread underperformance. He also pushes back hard on the popular "debasement trade" explanation for gold, arguing the real driver is the People's Bank of China injecting liquidity to devalue the yuan internally while holding it steady externally — with Chinese retail locked out of crypto and the Shanghai Gold Exchange now setting the marginal price. On the bond side, he lays out how the Treasury is quietly monetizing through front-end issuance and buybacks — private-sector QE under Treasury direction — a strategy that works until it doesn't, with Japan's move from 50bps to nearly 3% as the cautionary tale. His bottom line: range-bound Wall Street, no bonds, gold and silver on weakness, and watch commodities for the first sign the boom is ending.Thank you to our partners Augusta Precious Metals — To learn more, visit https://juliabuysgold.com/ or text “Julia" to 35052Monetary Metals - learn more at https://www.monetary-metals.com/julia/Links:  Website: http://www.crossbordercapital.com/ Twitter/X https://x.com/crossbordercapSubstack: https://capitalwars.substack.com/ Book: https://www.amazon.com/Capital-Wars-Rise-Global-Liquidity/dp/30303929020:00 The call: range-bound market, own gold0:20 Welcome back, Michael Howell1:19 Two pools of money: markets vs. the real economy2:30 The liquidity cycle has peaked3:20 What this phase looks like4:48 Why a booming economy is bad for stocks5:22 The P/E multiple is where liquidity shows up6:34 Late cycle, explained7:38 Augusta Precious Metals9:29 Global liquidity vs. the world business cycle10:45 Atlanta Fed nowcast near 6%11:54 The K-shaped economy is global12:45 Monetary inflation vs. Main Street inflation14:45 Speculation now, turbulence next15:15 The cycle map17:55 Monetary Metals19:49 Gold: it isn't the debasement trade20:30 It's China: PBOC liquidity22:15 Why gold and not crypto23:14 Inside the PBOC balance sheet25:00 Yuan gold and the 27,000 line26:15 Bond yields track nominal GDP27:40 NGDP at 7-8% vs. a 4.7% ten-year28:18 Treasury QE: funding at the front end30:20 Who's actually buying the debt?30:51 The beach ball under water32:35 The two-year note leads the Fed34:30 The 2022 analogue36:00 Why MOVE matters more than VIX37:08 Treasury buybacks and the volatility cap38:30 Margin debt and the 2026 range call39:31 Parting thoughts: commodities as the warning40:30 Gold, silver, and the ratio to watch

Cory's argument about narratives. Journalists and bankers keep asking what the catalyst will be, but narrative follows price rather than causing it. Something moves because sellers are exhausted, and the reason gets fitted afterward. The only narrative that matters is Bitcoin being better money for eight billion people. Larry Lepard on what actually moved. The debasement trade began in earnest last year, and it showed up first in gold and silver rather than Bitcoin because those are more widely understood. Silver quadrupling is the kind of thing that has essentially never happened before. Japan is the seminal event. With Japan holding roughly $1.2 trillion in Treasuries, the US offered swap lines and rotated euro reserves into yen. What shook the gold market was the Treasury Secretary suggesting the existing facility should be larger. As Larry put it, a swap line is printing money, full stop. A guest correcting his own AI. Larry noted the press had the facility's usage wrong and that AI had misled him too, so he went and read the Fed's own statements to establish it had not actually been drawn on. Worth noting as a method, not just a detail. The 1992 parallel, corrected live. It was Warsh, not Bessent, who worked for Soros attacking the Bank of England. Thirty-four years later he is on the other side of that trade, in the Bank of England's role. Larry's thesis for the year is the unmasking of Warsh as a hawk, because the math will not let him be one. The Fed has exactly two tools. It can mislead about inflation, and it can print. Larry's read is that we are currently in the first phase and last week signalled a move toward the second. He also explained yield curve control as what governments do when the bond market stops cooperating, with the post-war precedent as the template. His own record is the caveat he volunteers. He expected massive inflation out of 2008 and a cascade from Silicon Valley Bank, and was wrong both times. The people running the system are good at kicking the can, so the honest position is direction with no date. The two-tier system he expects. The dollar remains the unit everyone transacts in, gold displaces Treasuries as the reserve asset, and Bitcoin sits alongside before eventually supplanting gold over years, not days. It is already visible in oil sold for yuan and immediately swapped into physical gold. Greg Foss on where trouble announces itself. Every recent crisis began in credit rather than equities, and private credit is where he is watching now. His trader's version: equity investors ask how much they can make, credit investors ask how much they can lose. Credit is the first smoke in the theatre. And his structural objection about treasury companies. He takes issue with perpetual preferred shares being described as credit, because a perpetual has no maturity and no principal repayment, so its running yield cannot be compared to a bond's yield to maturity. Retiring that stack at scale would mean selling Bitcoin, which was never the strategy.

Phil Goldfeder runs the American Fintech Council, the trade group representing nearly 170 fintech and banking companies. Before that he advised Chuck Schumer and Michael Bloomberg, served in elected office, and helped steer Cross River through the Paycheck Protection Program, where a bank with six or seven billion dollars in assets made as many loans as Chase and Bank of America.In this episode, Reggie Young talks with Phil about how policy actually gets made and changed. They cover the lessons he took from Bloomberg and Schumer, what it was like inside Cross River during PPP, how a trade group turns 170 members with different interests into workable positions, why relationships with regulators get built in rooms rather than in filings, and the window he sees for durable policy work over the months ahead.Fintech Layer Cake is powered by Lithic, financial infrastructure that helps teams build better card and payments products for consumers and businesses.Chapters: 00:00 – Cold open: know what you know 00:12 – Meet Phil Goldfeder: Schumer, Bloomberg, Cross River, AFC 01:16 – What Bloomberg taught him about getting things done 03:16 – What Schumer taught him about time and showing up 04:33 – Inside Cross River when PPP hit 05:46 – "We have a responsibility to serve": the CEO's call 08:30 – Out-loaning the giants: a $7B bank matching Chase 09:39 – How a fintech actually advocates for policy change 11:52 – AFC as the nucleus: connecting companies, states, and regulators 14:13 – Who counts as a policymaker 15:21 – The high schoolers who changed his vote 19:01 – Managing 170 members who don't agree 19:48 – Flipping the compromise: everyone walks away a winner 21:04 – The compliance officer and the FDIC in the same room 23:13 – Banks want integrity, fintechs want speed, both can win 25:03 – Why friendly administrations don't guarantee progress 26:41 – The six-to-eight-month window to build things that last 29:36 – Consent orders as a step toward stronger companies 30:40 – Where to find AFCNothing in this podcast should be construed as legal or financial advice.Subscribe for new episodes every other Wednesday. If you enjoy the show, leave a review on Apple Podcasts or Spotify to help more people in fintech find it.

Guest:Weslea O'Connor knows what it means to have life rewritten overnight. A former real estate professional turned healthcare executive, she is now the founder and voice behind The Survivor's Edit, a deeply personal blog chronicling her journey through cancer with equal parts honesty, humor, and hope. Rather than offering clichés, Weslea explores the messy middle—the fear, resilience, relationships, and unexpected lessons that come with surviving. Her writing has resonated with readers looking for something real: not polished inspiration, but authentic humanity. Today, she joins us to talk about illness, identity, and how sometimes the most powerful stories are the ones we never planned to tell. Monologue:School Is Back In SessionMyths You Must Know Are FakeDelta 8 OUTLAWEDRare AI Books DestroyedEvery week from Dripping Springs, Texas, Steve Mallett and Michelle Lewis sit down with fascinating guests-from entrepreneurs and musicians to elected officials, authors, and community leaders-for conversations that are funny, authentic, and full of stories worth sharing. They dive into everything from life's absurdities to community quirks, adding their signature blend of small-town charm and bold candor. Think of them as the funny neighbors with the best stories-the ones who always tell it like it is. With a healthy dose of Hill Country spirit, they explore local happenings and universal topics that connect us all, proving you don't need to be famous to be extraordinary-you just need a microphone and the courage to share your voice. Every episode delivers laughter, insight, and genuine connection. New episodes every week...because ordinary people make the best damn stories. Send us Fan MailSupport the showThe Best Realtor in Dripping Springs? The #1 choice is the Mallett Integrity Team, led by Steve Mallett. Local experts and results-driven service-Cedric Mills, Carlisle Kennedy, Maury Boyd, and Michelle Lewis.SouthStar Bank a tradition of full-service community banking for over 100 years. Your neighborhood Bank. Stop by a branch today! The Deep Eddy Vodka Tasting Room in the TX Hill Country just outside Austin, TX, welcomes over 75K visitors annually and sits within the former bottling plant. Family Friendly Fun in the Hill Country. Black Slate Construction /Black Slate Roofing-Locally owned and operated in Austin, TX! Over a decade of experience-their skilled team delivers high-quality construction/roofing and exceptional service.Follow us, leave a review and TELL A FRIEND!Mallett and Michelle Podcast Website

Matt Elliott, former president of Bank of America Michigan and now CEO of Blue Lakes Ideas, joins host Stephen Hayes on Beyond the Game to talk about the Power of &, the framework that came out of his own burnout, a health scare, and years of leading through crisis. They dig into why AI often gives people a false sense of catching up, what's happening to Michigan's education rankings and workforce pipeline, and why Elliott now treats rest as a weapon instead of a luxury. Elliott's book, Overloaded, is out this fall.

Send us Fan MailA senior executive clucks like a chicken in a conference room to pressure a subordinate into a personal wager, and that single moment becomes the spark for one of the messiest employment law stories to hit the appellate courts. We walk through Pannek v US Bank, where a bank reorganization, an ethics hotline complaint, and a termination plan collide in a way that makes the timeline feel almost unreal, until you remember how often restructurings amplify fear and silence at work. We break down how internal investigations actually function when the accused is powerful, why HR training and reporting mechanisms matter, and what it means when the company substantiates misconduct yet the people who reported it still lose their jobs. You'll hear how Title VII retaliation works as a separate legal wrong from the underlying harassment, why the McDonnell Douglas burden shifting framework is built for circumstantial evidence, and how “pretext” can be inferred from timing, contradictions, and failing to follow the employer's own layoff procedures like a peer group analysis. We also dig into the defenses that shape real outcomes: how the Faragher-Ellerth framework can defeat a hostile work environment claim when reporting is delayed, why judges can't decide witness credibility at summary judgment, and what a restructuring does (and doesn't) prove in an ADEA age discrimination theory when duties are redistributed instead of backfilled. If you work through mergers, layoffs, or toxic management, this is a practical guide to documenting, reporting, and understanding the legal risk on both sides. Subscribe for more workplace law breakdowns, share this with a coworker navigating a reorg, and leave a review with your take: should a complaint made during layoffs be viewed with more skepticism, or more urgency? If you enjoyed this episode of the Employee Survival Guide please like us on Facebook, X and LinkedIn.  We would really appreciate if you could leave a review of this podcast on your favorite podcast player such as Apple Podcasts and Spotify. Leaving a review will help other employees find the Employee Survival Guide.  For more information, please contact our employment attorneys at Carey & Associates, P.C. at 203-255-4150, www.capclaw.com.Disclaimer:  For educational use only, not intended to be legal advice. 

It's been a summer of extremes, and this week's Must Read Research highlights four themes shaping markets across regions and asset classes. Candace Browning, Head of Global Research at BofA Securities, reviews a powerful earnings season that continues to deliver broad-based EPS growth, even as investors become increasingly difficult to impress. The episode also examines mounting risks in European energy markets amid record temperatures and tightening gas inventories, the accelerating AI investment cycle driving memory demand following SK Hynix's landmark U.S. listing, and a potentially significant reshuffling of MSCI emerging-market indexes that could redirect billions of dollars in investor flows. Together, these developments offer a timely look at the forces influencing corporate profitability, energy security, AI infrastructure spending, and global capital allocation.   "Bank of America" and “BofA Securities” are the marketing names for the global banking businesses and global markets businesses (which includes BofA Global Research) of Bank of America Corporation. Lending, derivatives, and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., Member FDIC. Securities, trading, research, strategic advisory, and other investment banking and markets activities are performed globally by affiliates of Bank of America Corporation, including, in the United States, BofA Securities, Inc. a registered broker-dealer and Member of FINRA and SIPC, and, in other jurisdictions, by locally registered entities. ©2026 Bank of America Corporation. All rights reserved.

Is Roman Reigns overrated—or has his historic WWE run earned him a place among the all-time greats? We're LIVE after Monday Night Raw to define what “overrated” actually means, determine where Roman belongs in WWE history and discuss the tournament that will decide his next challenger!We're also looking back at the career of Brock Lesnar following his official retirement. What are our favorite memories of The Beast, what was it like seeing him live and what will Brock's lasting WWE legacy be?Plus, CM Punk and Kevin Owens reignite their deeply personal rivalry ahead of their August 21 match in Toronto. We'll explain their history, review their heated promo and discuss whether WWE could have something even bigger planned for them at Money in the Bank.Also on tonight's show:- Where Cody Rhodes and Randy Orton's latest confrontation could lead- What's next for The Bloodline & LA Knight?- Chelsea Green's injury and what WWE does with the women's division now- Why Haku joining the MFTs matters

Bitcoin's BIP-110 soft fork briefly split the chain—but the failed Bitcoin fork may have proven the opposite of corporate capture: nobody, from Michael Saylor and BlackRock to miners and node operators, can unilaterally change Bitcoin's rules. Meanwhile, the Bank of Japan and U.S. Treasury spent an estimated $87 billion defending the yen as Jamie Dimon exposed what truly supports the dollar's reserve-currency status. This episode connects Bitcoin consensus, mining centralization, self-custody, hashrate, fiscal dominance, inflation, capital flows, and the accelerating search for neutral digital money.SPONSORS

Evan Rogan breaks down how bank lending strategies have changed, why traditional credit hacks no longer work, and how business owners can leverage bank lending trends to secure substantial funding without tax returns or bank statements.

A $124 trillion wealth transfer is happening right now, and if you're a regular, hardworking American, you're on the losing end of it. Bank of America just released a study this week confirming what I've been warning you about for years. The greatest transfer of wealth in human history is already underway. It's time to pay attention to this, because most people still don't see this trap.On this episode of Investing in Real Estate, you're going to learn about the three forces converging right now in 2026 that are accelerating this wealth transfer. Plus, we're going to discuss why saving money is so destructive in this environment, and what you can do instead.

Gianluca Benigno is a professor of economics at the University of Lausanne. Previously, he was a senior economist at the Federal Reserve Bank of New York and an economist at the Bank of England. Gianluca returns to the program to discuss financial r-star, the changing landscape of central bank balance sheets, the unique challenges facing the Swiss National Bank, how stablecoins could affect Treasury markets and the demand for reserves, the return of nonlinear inflation, its implications for monetary policy, and much more. Watch the full length video on our new YouTube Channel! Check out the transcript for this week's episode, now with links. Recorded on June 22nd, 2026 Subscribe to David's Substack: Macroeconomic Policy Nexus Follow David Beckworth on X: @DavidBeckworth Follow Gianluca Benigno on X: @BenignoGianluca Follow the show on X: @Macro_Musings Check out our Macro Musings merch! Timestamps 00:00:00 - Intro 00:01:41 - R-Double-Star 00:04:10 - Central Bank Balance Sheets 00:09:22 - Swiss National Bank 00:32:05 - Working Paper on the Regulation of Stablecoins 00:45:41 - Inflation 00:53:19 - Outro

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Sticky inflation has Bank of America predicting 75 basis points of Fed hikes this year. Acting FDA Commissioner Kyle Diamantas on a rule change for ingredients and the ongoing foodborne illness outbreaks. Plus, the name trader Jeff Kilburg is buying on the dip.  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Your bank knows the customer. The employee sitting across from that customer usually does not. Banks and credit unions have spent millions learning about the people they serve, then built an access model that keeps most of what they know away from the employees responsible for those relationships. New research from MIT's Center for Information Systems Research finds that only 28% of employees regularly draw on the data assets their organization has already built, and that employees who do reach data spend 61% of that time finding and preparing it rather than learning anything from it. In this Banking Insights episode, Jim Marous examines the gap between data creation and data use inside financial institutions. He argues that the industry measures one kind of risk carefully and never records the other: the relationships lost, the avoidable fees nobody questioned, and the marketing dollars spent acquiring customers who quietly went dormant, all because a signal never reached a person who could act on it. Drawing on the MIT research, the Digital Banking Report study of agentic AI in banking sponsored by OpenText, and examples from Fifth Third and Bangor Savings Bank, he shows why fraud teams have already solved this problem and why far fewer institutions have done the same work for the employee desktop. The episode closes on a question every leader can answer this week. What would change if the person handling your next important customer conversation could see what your institution already knows, and had the authority to act on it? About: Banking Transformed is hosted by Jim Marous, a top-five banking industry influencer and Co-Publisher of The Financial Brand. Banking Insights episodes deliver the most important strategic ideas in under ten minutes, for the executive who wants the takeaway without the deep dive. Subscribe to the Digital Banking Report at thefinancialbrand.com.

In this bonus episode of Perspektives with Bank, Big Bank sits down with Dre for a remarkable conversation about wrongful conviction, resilience, and rebuilding life after incarceration. Sentenced in Fulton County to life plus 105 years for murder, Dre recounts the shock of hearing his sentence, the emotional toll of repeated failed appeals, and the harsh realities of surviving prison. After spending 12 years behind bars, his case was reexamined by the Conviction Integrity Unit, where new DNA testing excluded both him and his co-defendant, and a key witness formally recanted prior testimony—ultimately leading to his release. Dre opens up about the trauma of incarceration, the challenges of institutionalization after returning home, and how violence, gangs, drugs, and prison conditions shaped his perspective on life. The conversation also explores the power of faith, loyalty, and purpose as Dre credits his girlfriend, mentors, and unwavering support system for helping him endure years of imprisonment without losing hope. Reflecting on the myths surrounding street culture, he discusses how social media and rap can influence young people, why he now values peace over respect, and how his experience transformed his mission in life. Today, working alongside Dr. Barbara and community leaders, Dre is dedicated to mentoring youth, discouraging street violence, and ensuring his legacy is defined not by the years he lost, but by the lives he helps change. Rate, subscribe, comment and share. Follow Perspektives With Bank on IG @perspektiveswithbank @lifeplus105See omnystudio.com/listener for privacy information.

How does Canada regulate crypto? This podcast answers that in less than 60 minutes. You'll hear from Grant Vingoe, CEO of the OSC, Eric Richmond, CEO of Coinbase Canada, the Bank of Canada's Anne Butler, McCarthy's Lori Stein, Osler's Matt Burgoyne, Evan Thomas, Dr. Ryan Clements of the ASC and Blair Wiley of Wealthsimple.Law of Code is presented by Altitude, visit ⁠https://altitude.xyz/law⁠ to learn why.Timestamps:0:00 Intro2:42 Tax4:53 AML Rules8:06 Securities12:00 Investment contracts16:13 Quadriga's collapse23:00 The Crypto Contract34:29 World's first Bitcoin ETF38:23 Stablecoins46:47 Where Canada could play offense: DeFi, perps and tokenization52:53 The speed problemNothing in this podcast is legal or investment advice.Thank you to our other sponsors:McCarthy Tétrault LLP, with which I am co-hosting a Crypto in Canada event on August 12, 2026 in Toronto: https://luma.com/89qnrnahOsler, Hoskin & Harcourt LLP: https://www.osler.com/en/expertise/services/digital-assets-and-blockchain/ Cahill Gordon & Reindel LLP: ⁠https://www.cahill.com/practices/litigation-digital-assets-and-emerging-technology⁠Solana Policy Institute: ⁠https://www.solanapolicyinstitute.org/⁠Hyperliquid Policy Center: ⁠https://hyperliquidpolicy.org/⁠Sign up for the free Law of Code newsletter at lawofcode.fm.

#906: Bank of America is spending $250M a year on GLP-1 weight loss drugs for its employees. SpaceX's first post-IPO lockup expired Thursday after releasing 912 million restricted shares into the public market. A group of 20 undergraduate students at Indiana University's Kelley School of Business manages a $12 million private real estate investment fund, and AI creates its first synthetic virus.  Submit your password guess! https://forms.gle/4EdBi3X8N4eMnBd56  Come to our August trivia! https://mbdtrivianight-august2026.splashthat.com/  Grab tickets to our Performance Revue show! https://www.morningbrew.com/events/brew-performance-revue-2026?utm_campaign=performance_revue_2026&utm_source=mbd Subscribe to Morning Brew Daily for more of the news you need to start your day. Share the show with a friend, and leave us a review on your favorite podcast app. Listen to Morning Brew Daily Here:⁠ ⁠⁠https://www.swap.fm/l/mbd-note⁠⁠⁠  Learn more about your ad choices. Visit megaphone.fm/adchoices