Podcasts about barts

CannCon and Zak Paine open GART week with a Monday show full of political fireworks before Deadwood. Trump called it on Truth Social over the weekend and it happened: UK Prime Minister Keir Starmer resigns, becoming the seventh British leader in ten years. Zak connects Starmer's tenure to the Jimmy Savile prosecution he buried and the Pakistani rape gang cases he never brought. Colombia elects Trump-backed political outsider Abelardo de la Espriella in a razor-thin vote, and CannCon flags the remarkable connection: de la Espriella was the attorney for Alex Saab, the Maduro associate who briefed the Trump administration on Central American cartel corruption, making his election look like the Venezuela playbook in one more country. Chuck Schumer goes on MSNBC and inadvertently confirms 25 to 30 million people would come off the voter rolls under the SAVE America Act. Politico drops a hit piece on Ruben Gallego's PAC spending covering Disney trips, a St. Barts birthday, an au pair, and Super Bowl attendance with Eric Swalwell, and CannCon says something big is coming. Ilhan Omar's husband goes from a $30M net worth to negative $95,000 in one year. A federal judge clears the DOJ to hand Biden's audio tapes to the Heritage Foundation. And the Iran deal continues its on-again-off-again cycle as Trump threatens to take over the Strait of Hormuz entirely.

Hogarth used Barts' patients as models for some of the figures in the paintings.

In this special co-hosted episode of The Jess Larsen Show on Innovation & Leadership, Jess Larsen is joined by top Compass broker Holly Parker for a fascinating conversation with Cayman Islands attorney Daniel Altneu of Bedell Cristin. Together, they unpack why the Cayman Islands has become one of the world's most sought-after destinations for ultra-high-net-worth individuals, family offices, entrepreneurs, and global investors. Daniel breaks down the realities behind Cayman residency, offshore structuring, wealth migration, tax strategy, and succession planning — while separating fact from Hollywood fiction about the islands. The discussion explores why affluent families from the U.S., Canada, the U.K., Dubai, and beyond are increasingly relocating assets, businesses, and even future generations to Cayman for lifestyle, privacy, safety, and long-term financial planning. Jess and Holly also dive into the cultural transformation happening in Cayman: world-class dining, luxury real estate, understated wealth, elite healthcare, international schools, and a growing reputation as a discreet alternative to places like Monaco, Dubai, and St. Barts. Along the way, they discuss family office trends, crypto migration, global mobility, co-ownership luxury properties, and what the future of wealth movement may look like in a rapidly changing world. Whether you're curious about international residency, wealth preservation, offshore law, or simply why so many influential people are quietly choosing Cayman, this episode offers an insider look at one of the world's fastest-growing hubs for global wealth and lifestyle. Learn more about your ad choices. Visit megaphone.fm/adchoices

With Rafael Loureiro, Co-Founder & Chief Executive Officer, Wealth.com Rafael Loureiro on why estate planning is shifting from a static legal exercise to an AI-powered, advisor-led planning process. In Summary Estate planning has traditionally operated outside the core advisor workflow—handled through attorneys, revisited infrequently, and often disconnected from the broader client relationship. Louis speaks with Rafael Loureiro, Co-Founder and CEO of Wealth.com, about how AI is beginning to change that model. The conversation explores how advisors can use tools like Ester to surface planning gaps, stay ahead of client changes, and deliver a more continuous planning experience. For advisors, the broader implication is strategic: as investment management becomes increasingly commoditized, integrated planning and ongoing coordination may become a far more meaningful differentiator. The Storyline Most advisors already discuss estate planning with clients. The challenge is what happens next. In many cases, the process still moves outside the advisor relationship: clients are referred to an attorney, documents are created, and the estate plan becomes something revisited only after a major life event or liquidity event forces an update. Louis and Rafael explore why that structure is starting to break down. Rafael's own estate planning experience following the sale of Emailage to LexisNexis exposed how fragmented the process could feel, even for highly engaged clients working with sophisticated advisors. That experience ultimately became the foundation for Wealth.com and its AI-powered planning platform, Ester. The discussion focuses less on AI as a headline topic and more on how it changes advisor workflow in practice—from document interpretation and planning summaries to surfacing next actions and helping advisors stay proactively engaged as client circumstances evolve. For advisors thinking about the future of planning, the conversation raises a larger question: if financial planning itself becomes increasingly standardized, where does the next layer of differentiation come from? Topics Covered Continuous estate planning AI-powered advisor workflows com and Ester Advisor-led estate planning Family office-style client service Trust and estate attorney collaboration Estate planning for mass affluent clients AI agents in wealth management Dynasty Financial Partners integration Advisor differentiation beyond investment management > Download a transcript of this episode… Listen and Learn Highlights for Advisors Why did Rafael decide to build Wealth.com? (06:04) Rafael explains how his own estate planning experience after a liquidity event exposed major disconnects between advisors, attorneys, and clients. Why did Wealth.com choose an advisor-led model instead of direct-to-consumer? (14:28) The platform was designed around the belief that advisors (not marketing campaigns) are best positioned to initiate estate planning conversations with clients. What does “continuous estate planning” actually mean? (20:13) Rafael describes a system where client life changes, tax events, and asset activity can trigger proactive advisor engagement rather than periodic document reviews. How does Ester move beyond document summarization? (32:30) The platform now identifies planning opportunities, prepares tasks and reports, and increasingly helps advisors automate portions of the planning workflow. Why are enterprise firms and large banks adopting platforms like Wealth.com? (24:57) Many firms were already producing estate planning summaries manually for ultra-high-net-worth clients. AI allows those capabilities to scale much more efficiently. How should advisors think about the role of trust and estate attorneys going forward? (26:50) Rafael argues that AI enhances – not replaces – the attorney relationship by improving efficiency and reserving more sophisticated matters for specialized legal expertise. What may differentiate advisory firms as planning becomes more commoditized? (38:02) The discussion points toward responsiveness, coordination, personalization, and deeper client integration as the next major competitive layer for advisors. Key Takeaways Rafael believes estate planning is shifting from a one-time legal exercise to a continuous planning process supported by AI and advisor engagement. Wealth.com was intentionally built as an advisor-first platform rather than a direct-to-consumer business. Ester's AI capabilities now extend beyond summarization into identifying planning gaps, surfacing opportunities, and preparing advisor workflows. Many firms are using estate planning as a way to deepen relationships and expand into more family-office-style service models. AI may allow advisors to serve more clients while maintaining a higher level of personalization and responsiveness. Trust and estate attorneys remain critical for complex situations, but AI can improve efficiency and help clients arrive better prepared. Advisors who fail to expand beyond investment management risk competing in an increasingly commoditized landscape. https://youtu.be/BDI6XbEz_4E Quotable Moments “When AI moves from simply organizing information to helping drive decisions, estate planning stops being a periodic task.” “Investment management is becoming table stakes. Financial planning is becoming table stakes.” “Why does it have to be that way? Now with AI, why can we not have continuous estate planning?” “It is the intangibles.” “My goal is to empower the advisor.” Related Resources Human Intelligence in the Age of AI: Why Recruiters Still MatterArtificial intelligence can analyze firms and deals. It can't replace the insight and advocacy that help advisors make the right move. The Future of Prospecting: How AI Is Powering the Next Era of Advisor GrowthFINNY Co-Founder Eden Ovadia shares how AI is transforming advisor prospecting: automating outreach, matching advisors with ideal clients, and freeing time for deeper human connection. A forward-looking conversation on what growth will look like in the next era of wealth management. Rafael LoureiroCo-Founder and CEO Rafael Loureiro is a technology entrepreneur and product-focused executive with more than 20 years of experience across startups, growth-stage companies, and Fortune 500 organizations. He is Co-Founder and CEO of Wealth.com, a leading estate and tax planning platform powered by proprietary AI and purpose-built for financial institutions. Under his leadership, Wealth.com has expanded into a comprehensive planning platform, embedding deterministic AI to deliver precise, auditable outcomes across estate and tax workflows. Prior to founding Wealth.com, Rafael served as Chief Technology Officer at Emailage, a global fraud prevention SaaS company acquired by RELX in 2020. He is a member of the Forbes Finance Council and has been recognized across the industry, including CEO of the Year honors and Forbes' Top AI Founders to Watch. Originally from France and raised in Brazil, Rafael now resides with his family in the Phoenix metro area. NOTE: The views and opinions expressed by the guests on this podcast are their own and do not necessarily reflect the views and opinions of Diamond Consultants. Neither Diamond Consultants nor the guests on this podcast are compensated in any way for their participation. View the transcript of this episode… Why AI Matters Now: Filling the Estate Planning Gap with Wealth.com A conversation with Louis Diamond and Rafael Loureiro, Co-Founder & Chief Executive Officer at Wealth.com. Louis Diamond: Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is Why AI Matters Now: Filling the Estate Planning Gap with Wealth.com. It’s a conversation with Rafael Loureiro, the firm’s Co-Founder & Chief Executive Officer. I’m Louis Diamond and this is the Diamond Podcast for Financial Advisors. Mindy Diamond: At Diamond Consultants, we help elite advisors identify the right environment for their businesses to thrive, whether that’s at a wire house, boutique, or independent firm. With nearly three decades of experience, we’ve guided thousands of advisors and represented more than a quarter of a trillion dollars in assets transitioned, and each year, one in four advisors managing a billion dollars or more who change firms are our clients. Our process is education driven and based on building relationships, starting as your strategic partner well before you’re even thinking of a move. To schedule a confidential conversation, call us at 908-879-1002. Wondering why advisors change firms and where they’re headed? Are transition deals going up or down? Those very questions and more inspired us to create our annual Advisor Transition Report. It’s the award-winning data-driven resource designed for advisors that connects the dots between the motivations around movement and the firm’s appetite for top talent. Arm yourself with the knowledge you need to make smart decisions. Download your copy at diamond-consultants.com/transitionreport. Louis Diamond: In the wealth management world, estate planning has largely lived in a separate lane. It’s a topic advisors may raise with clients then hand off to an attorney and eventually a set of documents come back, filed away, rarely revisited, and often disconnected from the rest of the planning process. That structure has been in place for a long time and for the most part, it’s gotten unquestioned, but when you step back, it creates a gap between what do clients expect from their advisor and what actually gets delivered when it comes to estate planning. Rafael Loureiro, co-founder and CEO of Wealth.com, ran straight into the gap after a planning event of his own which should have been a coordinated process, felt fragmented, manual, and surprisingly opaque. And likewise, I recall the same type of disjointed experience in my own estate planning process. It’s experiences like these that became the starting point for building Wealth.com. What makes this story interesting isn’t just that they’re using AI but how they’re using it inside the estate planning process, and it’s how AI allows the model itself to change from a one-time legal event to something that evolves alongside the client, from static documents to a system that can actually interpret, update, and surface what matters, from a disconnected handoff to something the advisor can actively lead. In my conversation with Rafael, we get into how that plays out in practice, how tools like Ester move from summarizing estate documents to identifying gaps, to prompting next steps, and eventually preparing action on behalf of the advisor, because when AI moves from simply organizing information to helping drive decisions, estate planning stops being a periodic task and starts to look more like a continuous part of the advice process. So let’s dive in. Rafael, thank you for coming on our show today. Rafael Loureiro: My pleasure, Louis. Thank you for having me here. Louis Diamond: Of course. Let’s jump in and in researching you and speaking to you in the past, I got to admit, you had a very different path into the wealth management industry probably than anyone I’ve ever interviewed. So can you walk us through your background briefly and early professional endeavors? Rafael Loureiro: Absolutely. The accent that you hear is Brazilian. So I’ve been in the US for 25 years. I’m a software engineer by trade, came here as a HMB, been involved with different companies over the years and then most recently before Wealth.com. I was a chief technology officer with a fraud prevention company, nothing to do with wealth management, but by selling that company, it’s how the Wealth.com story started. Louis Diamond: Perfect. And I was referring to also some of your early career endeavors even before founding your last company, if you’re comfortable sharing that. Rafael Loureiro: Yeah, absolutely. I’ve been involved with four different startups in different spaces. One of them was in, if you remember all the way back to 2008, the real estate prices, the first startup with foreclosures. So when houses went into foreclosures, me and my partner, we created a system to index that. I also had work on a photo album company. It became a lifetime business. It’s still running. I was the CTO and I did my share of consulting. I used to work for Accenture, Avanade, and then a home builder Fortune 500 companies. So I have a ton of experience in the technology space before Wealth.com. Louis Diamond: Perfect. And you mentioned the last business that you started that I believe sold to LexisNexis. Can you walk through what that business was? Rafael Loureiro: Yeah. So I did not start the business. I joined the business before Series A. The person that started the business, Rei Carvalho, he’s actually Wealth.com chairman. So the team is still together. The US, San Francisco, New York, offices in Sydney, Singapore, London. We serve clients like Coinbase, grew very fast and then got acquired by LexisNexis in 2020 during peak COVID. Think about, we literally signed the documents, popped the champagne on March 2020. No vaccine. Louis Diamond: Oh, my God. Rafael Loureiro: We literally popped the champagne and we all went back home to work from home because that was the guy that’s from LexisNexis. Through that experience, selling a company, one thing you usually do, it’s a big liquidity event and estate planning is always related to big moments. You get married, someone in your family die, you have a new kid, you have a liquidated event. So I work with a financial advisor. They’re amazing. They helped me with financial planning, wealth management, saved me a lot of money insurance. But when it was time to do the estate planning, Louis, my experience was, “Hey, Rafael, we always work with this lawyer, go talk to the lawyer.” And then it was a completely broken process. First, because it was COVID and I had to go see the lawyer face-to-face. That was weird right there. Second, because I was expecting the lawyer to know everything about me because my advisor knows everything about me, know about my life situation, know about liquid event, know about my kids, rental houses, everything and then the engineer. I know what I told the lawyer, but do I know for sure that everything I told the lawyer end up in the document? No, I don’t. Long story short, otherwise it is a long story, we’re having a virtual coffee. I don’t know if you remember everyone, big beard, long hair, everyone working from home, and then somehow all the Emailage C-level team and founders, the co-founders, we start complaining about state plan. Even another example, my chairman, the Wealth.com chairman, Emailage CEO, Rei Carvalho, he was like, “Hey, Rafael, I’m done with the summer heat in Arizona. I’m moving to Denver. I’m going for cooler weathers.” Literally the moment he moved to Denver, he gets a call from his estate planning lawyer, welcome him to Denver and saying, “Hey, we need to update your documents. “But I just spent thousands of dollars creating my documents.” “Yeah, but you live in a new state, you have to optimize your documents.” At that moment, Louis, we’re like, “Where there’s a problem, there is an opportunity,” and the company was born. Louis Diamond: I find the best company origin stories, it’s you have that, you have a personal experience or a moment where you have a realization that there’s a problem that you have that others might have as well, so let’s create a business around solving this problem. It was legitimately at that point, it wasn’t a long burn, we’re going to research, we’re really going to think about this, it was just all of the core team that was fortunate enough to have a big liquidity event were complaining and commiserating about a similar problem on estate planning and then that launched into, let’s build a company, let’s build a platform, a product to solve this problem? Rafael Loureiro: Yes and no. We saw the opportunity. We had just finished selling a company. It takes a lot from you and your family to create a company and to sell a company. Before we started a new company, we said, “Hey, look, we feel like there is something here, but let’s do the proper groundwork, make sure that the market is right, that there is a need that it’s not only us complaining about these.” I’m going to say that we spend a good three month, we have vision document together, doing a market research and then we got excited. Literally my wife who was not super excited in the beginning said, “You guys just sold a company. You’ve been racing 100 miles an hour for the last seven, eight years and you guys going to do this again.” But I love it. It’s part of my DNA. I love the challenge. I love to build and it is a big problem. When you look at the US market, 67% of the population don’t have estate planning. You have to ask yourself, why? Is that because it costs too much money? Is that because people don’t know enough about estate planning that they don’t do it? Is that because people don’t have to think about that? So the opportunity is there. We did the groundwork. We got the team together, at least some of our eight players. We went to Altus Capital, that’s the same venture firm that led the Emailage series B and we said, “Look, we have a vision, we have a team and we believe the market is ready for it. There is no dominant player and it is blue ocean.” And then they gave us the initial funding, them and my chairman, and then we went from having an idea to launching the product in May 2022. Louis Diamond: Wow, that’s amazing. Before we dive into the rapid growth and what the platform looks like, et cetera, can you just give us a quick overview of what Wealth.com looks like today? Who are you serving? Who are you selling to and where does it fit into an advisor’s value proposition or their advice stack, if you will? Rafael Loureiro: Absolutely. So Wealth.com we empower financial advisors to provide a family office experience to their clients starting with estate planning and tax planning. What I’m trying to solve, Louis, is my situation. I want my financial advisor to be the hub of my needs. So if the need is financial planning, wealth management, insurance, estate planning, tax planning, I need my financial advisor to be aware of all these verticals, right? Because I know if something happens to one of us, my financial advisor is my person. He or she’s going to get my call from my wife and say, “Hey, am I all right?” I want to empower the financial advisor with all the tools to provide that family office experience to their client. So that’s first, we started by providing doc migration. So think of this, you are mass affluent client, between half a million dollars all the way to 10 million dollars. You don’t have your revocable trust, your will, your power of attorney, your advanced healthcare directive, your guardianship documents. We do that. We create those documents. You go to the workflow on the Wealth.com platform if you have an advisor, I need to make that clear, we’re not direct to consumer business. You have to have an advisor. So you go to that workflow and at the end of the workflow, you get the documents. Those are legally optimized, all the documents. The document you get in California is going to be completely different from the document you get in New York, from the document you get in Florida. I just want to make that point clear. What we noticed, Louis, working with these advisors is if you look at the average advisor, if you look at his or her book of business, 80% is mass affluent. So think lawyers, doctors, firemen, 20% high net worth. Usually the high net worth clients, ultra-high network clients, they already have the documents. They already paid $20,000 to have those documents draft and we were not doing anything for them. So in 2022, we had that light bulb moment even before LLMs. OpenAI launched in 2022, we actually used the Bertha model before OpenAI, but I know I’m digressing. Let me get back here. So I was not doing anything for these high net worth, ultra-high net worth clients. So we had this idea, what if we use AI to read their existing plans, all their grants, LATs, all this sophisticated irrevocable trust, connect to all their assets and then provide a summary of everything they have in place? So that was the idea in 2022. Can we do it? And we did it and that became Ester and that became our family office experience. So just to summarize, we help the advisor clients regardless where they fall in the wealthy spectrum. They don’t have the estate planning documents, we create them. If they already have the estate planning documents, we use AI to read this documents, summarize them and provide insight and observations. “Hey, here are ways that you can optimize these documents.” That’s what we do. Louis Diamond: It’s so valuable. I wish I met you a month ago because I went through a very expensive estate planning exercise with an estate planning attorney and my own personal experience is exactly the same that you had. It’s expensive. I have no idea what I was signing. It was a long questionnaire and it wasn’t driven necessarily by my advisor. They gave me the idea to get updated estate plans, but it was a disconnected process. So this makes a ton of sense. I think let’s pull on the thread of being a direct to advisor company rather than trying to pull an end around the advisor and going directly to a consumer. Why was that an important design decision for you? Because I would assume the total adjustable market might be a little bit bigger if you’re going direct to a retail client that may or may not have an advisor versus going directly to a business, an RIA, a wealth management firm, et cetera. Rafael Loureiro: Yeah. What we notice working within these spaces, something triggers you to do your estate planning. I’m not going to ask why you decide to do yours now, but usually it’s related to death in the family, a kid going to college, you buy a new house, you have a new baby, you’re getting married, you get a divorce. Direct to consumer, you have to find the client at that moment for them to consider estate planning as an important thing to do. There’s actually surveys. I think Fidelity put a survey out, that says family is the main reason why people do estate planning. And the second reason is the advisor. So if you work with a financial advisor, most likely he or she’s going to make you do your estate planning. So we did not want to be on the direct to consumer place spending millions and millions of dollars in marketing. We’d rather spend millions and millions of dollars in AI and technology and serve the advisor and empower the advisor to have this conversation and go to you and say, “Hey, Louis, how is it possible that you don’t have your estate planning document? Let’s do this now.” And I know this is uncomfortable. There’s another survey that came out recently saying that some of the advisors don’t want to talk about that. It’s still a hard subject to approach, but we have to have this conversation. Louis Diamond: I would say it almost sounds like an advisor not wanting to talk about their fees. Let’s not talk about that because it’s uncomfortable and no one wants to hear about it. Rafael Loureiro: Oh, you have to have it because they saw a huge lack of education. For example, one thing that we come across all the time, and I know it’s minor, is kids going to college. “Oh yeah, my daughter’s going to college. I don’t have to do anything.” Yeah, you do. She needs an advanced healthcare directive because if you don’t have one and something happens to her, you cannot just go to the hospital and ask for information. They won’t give it to you. We need to educate our clients. We need to do a better job. And I think advisors play that role and we want to empower them to talk about estate planning and tax planning. Louis Diamond: It makes sense. It’s a brilliant strategy because instead of advisors selling against Wealth.com as like, “I can do better and I have a estate planning guy I can refer you to,” it’s you’re working alongside them and you rely upon the advisor to provide the education to be the trigger moment. And I know again, from personal experience, if my advisor didn’t suggest that I should update my estate planning documents because I moved states, I wouldn’t have done it. It’s not like a fun thing to do. It’s an expense, et cetera. So that makes a ton of sense. You’re partnering with the hub or the influencers, if you will, of who’s driving estate planning in this country. It’s a great strategy. Rafael Loureiro: And you said something very important and I want to highlight, the world is very different after COVID. Before COVID, some of these advisors, all their clients were in the same city. I had one estate planning lawyer to help my clients, right? But now with after COVID or during COVID, people moved. “Oh yeah, I’m not living in a farm. Oh, I moved to Montana. Montana is beautiful. I saw Landman or Yellowstone. Now I’m leaving Montana. Landman is in Texas.” How? Now you don’t have estate planning lawyer in Texas. You don’t have estate planning lawyer in Montana. With the right partnership with Wealth.com, now you can serve all your clients regardless where they are in the US because we are present in every jurisdiction and we have lawyers in every jurisdiction. So we empower you to serve clients regardless where they are in the US. Louis Diamond: Very cool. And how about the pricing model? You don’t have to say what it costs, but is it one license that a firm is buying on behalf of their entire client base or is there an incremental cost for each client? And I’m throwing a lot at you. And then third part of the question is, are you seeing advisors charge directly for the Wealth.com estate planning output or are folks wrapping it into their fee as just a value added service as part of their planning and comprehensive wealth management process? Rafael Loureiro: Very good question. My goal, our goal, has always been we want to make estate planning available, democratized estate planning, make it more accessible to the population. So the way we charge is we charge the advisor annual recurring fee. We do not charge per document. I want you to provide estate planning to all your clients. That’s our goal. I don’t want you to think, oh, but that’s going to cost me money. No, all your clients set them all up with estate planning. Are they charging? It depends. So the way I’m going to say this is, I’m going to say that 60% of my advisors are charging not for the documents because they’re not lawyers, they’re charging to help educate you on estate planning. You as a client, you have to go to the process yourself to get the documents. So that’s where an advisor would send an invitation to Wealth.com. You and your wife or your partner, you’re going to go to the workflow and you’re going to get the document at the end. But the advisor is going to set up a call with you, the advisor is going to help you collect the documents. The advisor is going to educate you why estate planning is important. And some of them are charging for this. Some of our advisors, more on the high net worth, alternate high net worth space, you already charge a very good fee to provide your service so they probably provide Ester output, I should say, as a value added service. It depends on the use case. Louis Diamond: Makes sense. So I’ve heard you talk in interviews about a major gap in estate planning between client expectations and what a client is expecting, hoping to get with estate planning, especially when it comes to interacting with their financial advisor and what is actually fundamentally delivered by advisors. So I’m curious, why is there a gap and why do you think that gap has existed for so long? Is it as simple as people don’t like talking about death and it’s expensive or is there a deeper answer? Rafael Loureiro: I think it’s all of the above and your experience is amazing. You pretty much, you are the typical client. You took long to do it. It costs you a lot of money. You’re now like, next time you have to do an update, you’re going to wait five to 10 years to do it because we spend thousands of dollars to get it updated. Why does it have to be like that? And now with AI, and that’s what I think is going to change a lot in the next five years, is why can we not have continuous estate planning? What I mean by that is work with your advisor. I have connection to all your assets. I have connection to CRM. I have connection to your bank account. If you give me access, I don’t need password, but you can actually connect all your assets, I have connection to the portfolio management platform. So as you live your life, as you get married, as you buy a property… You finally decide to buy a property in Tahoe, I get these pings and then I can empower your advisors to say, “Hey, go talk to Louis and say, hey, it’s time to update your estate plan.” Or a rental property outside your home state in California, you need to update your… Or he has just crossed a tax threshold or he just got married or he just had a new beneficiary. My goal is to empower the financial advisor to provide more and more value to this relationship. I’m not trying to replace the financial advisor, but I’m trying to empower him or her to give you more value so him or her becomes more critical for your relationship. Why people haven’t done estate planning I think is a lack of education, is the fear of the cost. “Oh, I have to talk to a lawyer. Oh my gosh, that’s going to cost me $5,000.” I want to make this easier. I want to make this simple. I want to empower the advisor to demystify estate planning and tax planning, make it more accessible, bring the estate planning more to the middle. What I mean by that is why is this estate planning exclusive to the high net worth, ultra-high net worth? Because in that space, 90% of the people have estate planning, 90% of the people. It’s the fear of the cost, I think, and then people don’t want to think about that. Louis Diamond: Yeah. I think that’s exactly right. Yeah. It very much sounds like it’s a win-win. It’s like a next best action type event where you’re giving an advisor on a silver platter a way to add value, which is what I think every advisor wants to do and then it’s a massive value add to the end client. My guess is you don’t have much friction in delivering those sorts of insights to advisors that they can then deliver to their clients. Rafael Loureiro: I would say if you’re not doing it, there is a big risk. You’re going to lose your clients to people that are doing it and they are providing the family office experience. Yeah. Louis Diamond: Yeah. What about the competitive landscape for Wealth.com, whether it’s other FinTechs that are attempting to do something in the space or even just the legacy advisor, the estate planning attorney in town or an advisor’s preferred T&E attorney. How do you think about the competitive landscape in the trust and estate world today? Rafael Loureiro: There are competitors. From day zero when we came in, there were competitors. I don’t see an incumbent. I think now we have became the incumbent. I think there is a segment of the market, just to paint a picture, one third of the advisors are going to retire in the next 10 years. So there is a segment in the market where to your point, they already work with a estate planning lawyer. That’s not a bad thing. They’re like, “Oh yeah, I get leads from this lawyer. My clients are all located in my neighborhood. I don’t need to provide out of state estate planning,” then we’re not going to get there.” But at the same time, if you look at our growth, we’ve been growing and that’s why we just raised a series B, our growth is out there to prove it, we’ve been tripling the company size every year. There’s a need, there’s a demand. Financial advisors are waking up. They are in a very competitive market. They need to provide more to the clients because I feel like investment management, it is becoming table stakes. Financial planning, it is table stakes. So what else can I offer my clients? And that’s why you see some advisory firms offering BillPay. I file your taxes. I’ll get your estate planning done. You got to differentiate yourself. We’re seeing the need. If you look at our penetration, we have now 2,000 firms on the platform and the firms go from independent, a small SMB advisor with one or two advisors in the office, all the way to the top three, three out of the top five banks in the US. We are there, right? Louis Diamond: Wow. It’s interesting. Let’s talk about that. So on the bank side, it’s typically not a segment that is ripe for technological disruption or external tools like this to come in and make a dent. How are banks and very large platforms thinking about Wealth.com? Is it a similar kind of buying journey or decision that an individual RIA or an individual advisor would make or is it a little bit different? Rafael Loureiro: It’s a little bit different. So without mentioning names, these banks, some of these banks that work with high net worth, ultra-high net worth clients, they were providing this summary report that Ester put together, they were, before Esther, but it was taking them 30 to 50 hours. All human labor to put one together, Excel, Visa, PowerPoint, 30 to 50 hours. Even to these very expensive, very wealthy clients, they were only doing once a year. “Hey, here’s your report.” “Oh yeah, but I just sold the house in St. Barts. Can I get a new update?” “No. Next year you’re going to get the update.” I’m not even kidding. It was serious. So they were doing the work, but it was all labor-intensive. Now with Wealth, a much better output, I should say, it’s take minutes. And instead of only reserving these to the very, very wealthy clients, now they can go downstream and offer this to their mass affluent clients and then high net worth clients. They’re all seeing the need. They’re all waking up because they were doing the work, but it was all labor-intensive, like I said, all manual before and they want to automate. Louis Diamond: Very interesting. I definitely want to spend some time talking about Ester. You mentioned it a few times, but before that, I’d say two very real strategic areas that a firm might take on when it comes to estate planning. The first one is a lot of very successful advisors, they cultivate amazing COI referral relationships with attorneys and usually the attorneys are T&E attorneys for obvious reasons. Have you gotten pushback or have you seen that because of Wealth.com, these advisors now are referring less business to these high-powered trust and estates attorneys and then they’re not able to grow their business as much in return. That’s one question if you can weigh in. Rafael Loureiro: I have not heard that. And just to clarify, I think with Wealth, having Wealth as part of your tool framework, you’re going to be able to serve more clients and still leverage your trust estate attorney. And I’ll explain how. For example, we know how to stay our lane. So let’s say you go into the workflow and as part of the workflow, you say, “Hey, I have a special needs child.” At that moment we say, “Stop. Let me put you in touch with a lawyer.” You can decide to use your own lawyer or you can use one of in our network. We have lawyers in every jurisdiction, but it’s up to you. We focus on the revocable trusts and the wealth. If your client requires something more sophisticated, you can still use Wealth.com to map out the client’s situation using Ester. You’re going to be able to see everything they have in place at that moment and then use your relationship, your trust and estate lawyer to make the document update. So I think what we are doing is reserving the most complex case for the trust and estate lawyer if a document needs update, but I don’t think you are breaking that relationship. That relationship will stay there and you’re still going to have that lead exchange, but I don’t have any numbers to answer your question. Louis Diamond: I think that makes sense. It’s not like with Wealth.com, at least not yet. It’s not like there isn’t a role for a T&E attorney and especially for more complex esoteric type situations, an advisor could still refer some of their relationships to a T&E attorney, but they’ll come armed with better information. And also with more clients getting involved with estate planning, there’s also conceivably more opportunities that they can refer out to an estate planning attorney in turn. Rafael Loureiro: Can I use that? You did a much better job than I did. Exactly. Exactly what you said. The difference is now your advisor, your clients are going to be much better informed, that they know exactly what they need from the lawyer. So yeah, 100%. Louis Diamond: Perfect. And then the other one, which is I’d say less commonplace, but it’s a trend. The trend, and you hit on it, that as investments are becoming commoditized or not as differentiated, advisors are being called on to offer more and more services, whether it’s tax preparation in-house or bill pay or picking up clients’ dry cleaning, et cetera. But I think a big area that I’ve seen firms invest in is an in -house trust and estate attorney. Do you think Wealth.com is taking some of the sizzle out of that in-house service or is it just different? Is it two different use cases? Rafael Loureiro: It’s two different uses cases and we actually sell to that use case where if you have your trust estate attorneys in-house, we actually leverage them and they become users on the platform. Going back to my previous answer, now with Wealth.com, you’re going to be able to serve more clients with estate planning. You can actually route some of the use cases back to your trust estate team through Wealth.com. They do whatever they have to do and then you’re able to serve more clients. An example, trust and estate lawyers, they had to read the documents before Wealth.com. They would spend countless hours reading a hundred-page documents. Now with Esther, we do the summarization. We show your trust estate team where all the information was extracted. So instead of reading one document per hour, you’re going to be able to read three documents per hour and visualize the client estate plan and be able to optimize it because we’ve provided insights and suggestions and then the trust and estate lawyer can provide their own and say, “Hey, no, I agree with this one,” or “I think we should also do this.” I think you’re going to optimize the use of your trust estate team. You’re not going to get rid of them. No. Louis Diamond: It’s more so you’re automating the high value differentiated work. It also kind of sounds like, I don’t know when eMoney or MoneyGuidePro came into the mainstream, but it’s almost a difference between a paraplanner for a firm, manually creating pie charts in Excel and PowerPoint and analyzing a bunch of stuff and then eMoney and MoneyGuidePro and NaviPlan and all these companies come about and all of a sudden a lot of the work is automated. And it’s not like a paraplanner is out of work. They just become the experts, the users of the platform and they can allocate their attention to higher value, more bespoke work rather than we’ll say more of the factory kind of below the line things that was taking up a lot of their time. Rafael Loureiro: Absolutely. I like to use the analogy of the shoemaker. In the past, the shoemaker would make one shoe. It would be a beautiful shoe, but he would make one shoe a week or every two days. Now you have specialized agents. All that agent does is read estate planning documents. All that agent does is enriching the documents with insight and observations and looking to all the legal law changes that happened recently. So now you’re able to still make the same high quality shoe, but just at a higher volume. And you have a lot of dedicated workers doing one thing and doing one thing extremely well. So my goal is to empower the shoemaker. My goal is to empower the advisor and with a thousand analysts, a thousand paraplanners. So just making my job more efficient. Louis Diamond: I love it. You fit in Ester a good bit. It seems fairly clear what Ester’s doing. Sounds like an amazing value add. Just given the pace of AI innovation and I don’t think anyone knows where it’s going, but what are you most excited about Ester being able to do either now or in the future and what’s the vision if you can project out a year, which seems like an eternity in AI time, what’s on the dream board for what Ester’s going to be able to do for your Wealth.com clients? Rafael Loureiro: As a technologist, I love this question. I see AI in three distinct phases. You had the first phase of Ester in 2022, 2023 when we launched, which was summaries. It was amazing summarizing data. Some of these clients, Louis, think about this, some of these clients, they have 13 documents in place. They had every type of irrevocable trust you can imagine plus a revocable trust in place. They had very complicated assets, very complex assets. So Ester was amazing in summarizing. That was phase number one. Phase number two is now being able to augment. You read the data, you see an opportunity and you create a task that’s right there in front of the advisor saying, “Hey, I think you should reach out to this client and include this report with some of these observations. Click this button if you agree.” You still involve the advisor, the human is still in the loop. And that’s what we are with Ester right now. We do that. We assess the data, we see the opportunity, we involve the advisor, advisor get involved and say, “Yes, let’s do this,” and click a button, an email is triggered, our report is attached. Here we go. The third phase and that’s coming next and very soon is now you have an agent acting on the behalf of the advisor. I still want to make sure, and I want to make this very clear, I don’t want to get myself in trouble, the devices always evolve, but you have all these specific agents, that’s tax planning agent, that’s the estate planning agent, work independently, connected to the world, extremely well-trained with thousands and thousands of documents that we’ve seen over the years, finding opportunities, creating the tasks, creating the emails, creating the report, having everything ready to go, just waiting for the advisor to say, “Do it.” And we do this enough to the point where the advisor is going to say, “All right, you don’t need my permission anymore to do this specific task. Go.” You connect to the IRS, you download the text transcript, you crunch to this data, you create a report and it’s ready to go. The other thing too is I want to be able, my goal in the next year, a year and a half, is I want to continue estate planning. Up to this point, estate planning has been exactly like you described. You go to a lawyer, you pay thousands and thousands of dollars and those documents start collecting dust in a shelf somewhere while you live your life. And being from this space, that’s not how it works. There is new legislation being passed OBBA became like you crossed tax threshold, you have liquidated events, you get married, you get divorced, you buy real estate property, so on and so forth and that document is already stale. Why does it have to be that way? Now with AI, now with the technology we have in place, it won’t be. I promise you. Louis Diamond: Very cool. That’s exciting. That sounds like the perfect evolution of AI from summary, just here’s something you can read quickly to suggesting action, to then taking action. It does seem like the flow that it’s been and I’m sure there’s 15 other flows from here that we don’t even know yet. Or you probably do because you’re in this, but for me, I can’t even imagine what phase four and five are going to look like for you. Rafael Loureiro: Yes, it’s exciting. Louis Diamond: Definitely is. I saw, when I was doing some research for this that Wealth.com announced a fairly major strategic partnership with Dynasty Financial Partners, embedding Ester into their Dynasty desktop. What do you think this partnership says about where the business is going and how do you expect advisors to really take advantage of this in practice? Rafael Loureiro: It was a new development. We’re super excited about the Dynasty Financial Partnership. Before, if you look at before this partnership, we would have to empower advisor one by one with a Wealth.com license. With this partnership with Dynasty, every advisor in the Dynasty family or using the Dynasty desktop is going to be able to use Ester. So they’re going to be furnished with an AI intelligence that they can ask any estate planning questions, they can get tax planning questions answered. They’re going to be able to upload their clients’ estate planning documents and get a summary with opportunities, with everything that they can do for those estate planning documents. I think it fits perfectly well for enterprise IRAs, wire houses, this solution. Instead of doing one by one, you can actually have AI for all your advisors at once answering their most basic questions and taking action. That’s literally like the agents I was trying to describe. So that’s just the first step in that direction and we’re super excited about this. Louis Diamond: Very cool. Let me ask you another one. So you said earlier that as investment management becomes more commoditized that advisors not only have to offer more services and provide more value, but they also have to differentiate from the advisor or the firm across the street to provide more family office services, if you will. But let’s say, and this will be great for you, Wealth.com becomes like air that everyone’s breathing. It almost becomes like financial planning tool, e-Money. It’s commonplace. Now it’s commoditized across the space, it’s not a differentiator anymore to offer financial planning. As Wealth.com expands more firms work with the platform, what do you think is the next layer or next level of differentiation that your clients then can point to if it’s no longer maybe a couple of years from now that we use Wealth.com that we help with estate planning? Rafael Loureiro: Wow, that’s an interesting one, and approach my wife and bring ideas and suggestions. For me, if I can make that happen where the financial advisor is helping with my taxes, so when it’s tax time, we just have to have a one-hour meeting and we’re ready to click a button and have everything done, that can help me with BillPay. And think about like high net worth and ultra-high net worth people where it becomes extremely complicated to do BillPay properly because you have to pay from the right account, from the right trust. If they can take this off my plate so I can focus 100% in my business and my family, it’s mission accomplished. If that means that they’re going to walk my dog to make this happen, I know I’m exaggerating here, but pick up my laundry like the example you use, I think you’re going to have to do this. That in my mind is how these financial advisors survive the AI revolution. It is that personal relationship. It’s knowing me well. It’s spending more time with me than once a quarter. And with AI, with the right AI, and I know AI, there’s a lot of smoke in this space and very little fire, but with the right agents, with the right workflows, one advisor is going to be able to serve more than a hundred clients. Because right now the ratio is a hundred clients per advisor, maybe you’re going to be able to serve like 200, 250 well. Serve them well, knowing them well, knowing them personally. I think that’s going to happen in the next couple of years. Louis Diamond: I think that’s right. It’s more so like the intangibles that an advisor has. Their secret sauce isn’t going to be necessarily we offer these seven things. It’s going to be, I really get you. I understand you. It’s the advisor’s personal relationship and empathy with that client and all the years that they’ve known them. And then it’s just using all these different tools to aid that relationship. It kind of sounds like that’s what you’re saying. It’s all the other stuff that advisors do that might be different today, over time, people catch up and that becomes commoditized similar to we offer financial planning and that’s a differentiator. Now it’s, if they don’t offer financial planning, it’s a problem. Rafael Loureiro: Yeah, 100%. You got it. Yes, it is the intangibles. That’s perfect. Louis Diamond: Okay. I got two more questions for you. What’s one thing you wish more advisors understood about estate planning that they still miss today? Rafael Loureiro: I think there is an education component. Just deploying Wealth.com and expecting is going to work with your clients. It’s not like that. You need to be willing to have the conversation like your advisor did it with you. You need to have the tough call and say, “Hey, are you ready? Do you have estate planning in place? Why not?” And then having that conversation. Louis Diamond: And I would imagine too, it’s also cool, I got all these documents so instead of it getting locked in the safe or locked in the drawer, it’s also incumbent on the advisor to explain the documents. “Hey, these are a bunch of stuff in here that whatever, we don’t have to get into, but here’s the four key things about this document that you should understand. The power of attorney we’ve nominated is your father-in-law. Your proceeds are going to get distributed one-third to your son, a quarter to your daughter,” et cetera. It’s going to be those things and translating the documents into real words that clients are going to understand. Rafael Loureiro: 100%. That is critical because I’m a software engineer, I’m not equipped to be reading a hundred pages document and trying to understand everything that’s there without … Now with AI, you can actually ask Claude to summarize and Gemini to summarize it, but that was not the case three years ago. So that education component is critical. And some of my advisors are actually very successful, I should say. A smaller firm in this case, I’m not going to say the names, I don’t have that permission to say their name, but they are actually doing these estate planning webinars as a lead generation. Because clients are curious about this. Sometimes if you don’t ask them, you’re never going to know, but they’re probably very curious about estate planning. They’re probably very concerned they don’t have the documents in place. Even the ones that have the documents, they’re probably concerned that they need an update and they haven’t done it. So by doing this webinar, they feel more comfortable just going to the event. They know they’re not going to be the center of attention and then asking a question or hear people asking questions. Some of my most successful clients are actually using webinar as a lead generation to explain state planning. Louis Diamond: It’s a great idea. It’s like you’re empowering the advisor to talk more about estate planning. It’s no longer this bugaboo that was too complex or not in their swim lane. It’s empowering them to lead with, it sounds like. Rafael Loureiro: 100% Louis Diamond: Amazing. And last question, if you were an ambitious advisor building a new firm from scratch today, what would you tell them to focus on to create a more durable, harder to replicate future-proof business? Rafael Loureiro: That’s a great question because the factory floor of a hundred years ago, is no longer work. If you have a chance to start from the beginning, it’s a new world. It’s a new world for companies like ours. Even for companies like ours that are in the bleeding edge of technology, everything is changing with AI. How I organize my teams is changing with AI. So I would say select Wealth.com. No, that’s … I’m kidding. I’m kidding, but yes, I’ll say select the right tools, use AI properly, it’s no longer a headcount game. I’m not saying you’re not going to need help, you’re going to need help, but make sure the tools are talking to each other because it is a new age. It’s an agent about speed, about being able to offer more service quicker, about increasing the relationship, the intangibles, to your point. It’s no longer once a quarter call to your clients. So if I had the chance to do everything again, if I had a chance even to start Wealth.com again, it’s different how you organize your team in this age of AI. AI is going to be bigger than the industrial revolution. Trust me, the shockwave is huge. To your point earlier in this call, we’re getting a big jump every month. It’s no longer every year, every month there is something new coming from AI. So if you start your firm again, select the right partners, select the right tools and then hit the ground running. Louis Diamond: Perfect. That’s amazing. Rafael, this has been so fun. I learned a ton from you. You just have a way of storytelling and I absolutely love the why behind Wealth.com, the personal experience that probably a lot of listeners have had as the light bulb moment. And instead of just complaining about it, you actually took action and now are creating the future of estate planning, empowering advisors to offer estate planning to their clients, getting more folks in this country set up with trust and estates and wills, et cetera. So I think it’s amazing what you’re doing and I’m very excited to continue to watch your success. Rafael Loureiro: Thank you. Thank you for the opportunities and just to do a final plug, estate planning, tax planning, stay tuned. There is more coming. Louis Diamond: There we go. Thanks so much. Rafael Loureiro: Thank you. Mindy Diamond: As a financial advisor, you hold yourself to the highest standards of integrity, honesty, and credibility. You are successful because you take your professional responsibility seriously and are dedicated to your clients. But are you living your best business life? Are your goals aligned with your firms or could a better option exist? Should I Stay or Should I Go? is a book written with you in mind it’s a self-guided journey that walks you through the key steps that we take with our advisor clients. This strategic thought process and roadmap to professional self-discovery is designed to help you ask the right questions and think critically and objectively, whether you’re considering change or not. Learn how to get your copy at diamond-consultants.com/thebook. Why AI Matters Now: Filling the Estate Planning Gap with Wealth.com A conversation with Louis Diamond and Rafael Loureiro, Co-Founder & Chief Executive Officer at Wealth.com. Louis Diamond: Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is Why AI Matters Now: Filling the Estate Planning Gap with Wealth.com. It’s a conversation with Rafael Loureiro, the firm’s Co-Founder & Chief Executive Officer. I’m Louis Diamond and this is the Diamond Podcast for Financial Advisors. Mindy Diamond: At Diamond Consultants, we help elite advisors identify the right environment for their businesses to thrive, whether that’s at a wire house, boutique, or independent firm. With nearly three decades of experience, we’ve guided thousands of advisors and represented more than a quarter of a trillion dollars in assets transitioned, and each year, one in four advisors managing a billion dollars or more who change firms are our clients. Our process is education driven and based on building relationships, starting as your strategic partner well before you’re even thinking of a move. To schedule a confidential conversation, call us at 908-879-1002. Wondering why advisors change firms and where they’re headed? Are transition deals going up or down? Those very questions and more inspired us to create our annual Advisor Transition Report. It’s the award-winning data-driven resource designed for advisors that connects the dots between the motivations around movement and the firm’s appetite for top talent. Arm yourself with the knowledge you need to make smart decisions. Download your copy at diamond-consultants.com/transitionreport. Louis Diamond: In the wealth management world, estate planning has largely lived in a separate lane. It’s a topic advisors may raise with clients then hand off to an attorney and eventually a set of documents come back, filed away, rarely revisited, and often disconnected from the rest of the planning process. That structure has been in place for a long time and for the most part, it’s gotten unquestioned, but when you step back, it creates a gap between what do clients expect from their advisor and what actually gets delivered when it comes to estate planning. Rafael Loureiro, co-founder and CEO of Wealth.com, ran straight into the gap after a planning event of his own which should have been a coordinated process, felt fragmented, manual, and surprisingly opaque. And likewise, I recall the same type of disjointed experience in my own estate planning process. It’s experiences like these that became the starting point for building Wealth.com. What makes this story interesting isn’t just that they’re using AI but how they’re using it inside the estate planning process, and it’s how AI allows the model itself to change from a one-time legal event to something that evolves alongside the client, from static documents to a system that can actually interpret, update, and surface what matters, from a disconnected handoff to something the advisor can actively lead. In my conversation with Rafael, we get into how that plays out in practice, how tools like Ester move from summarizing estate documents to identifying gaps, to prompting next steps, and eventually preparing action on behalf of the advisor, because when AI moves from simply organizing information to helping drive decisions, estate planning stops being a periodic task and starts to look more like a continuous part of the advice process. So let’s dive in. Rafael, thank you for coming on our show today. Rafael Loureiro: My pleasure, Louis. Thank you for having me here. Louis Diamond: Of course. Let’s jump in and in researching you and speaking to you in the past, I got to admit, you had a very different path into the wealth management industry probably than anyone I’ve ever interviewed. So can you walk us through your background briefly and early professional endeavors? Rafael Loureiro: Absolutely. The accent that you hear is Brazilian. So I’ve been in the US for 25 years. I’m a software engineer by trade, came here as a HMB, been involved with different companies over the years and then most recently before Wealth.com. I was a chief technology officer with a fraud prevention company, nothing to do with wealth management, but by selling that company, it’s how the Wealth.com story started. Louis Diamond: Perfect. And I was referring to also some of your early career endeavors even before founding your last company, if you’re comfortable sharing that. Rafael Loureiro: Yeah, absolutely. I’ve been involved with four different startups in different spaces. One of them was in, if you remember all the way back to 2008, the real estate prices, the first startup with foreclosures. So when houses went into foreclosures, me and my partner, we created a system to index that. I also had work on a photo album company. It became a lifetime business. It’s still running. I was the CTO and I did my share of consulting. I used to work for Accenture, Avanade, and then a home builder Fortune 500 companies. So I have a ton of experience in the technology space before Wealth.com. Louis Diamond: Perfect. And you mentioned the last business that you started that I believe sold to LexisNexis. Can you walk through what that business was? Rafael Loureiro: Yeah. So I did not start the business. I joined the business before Series A. The person that started the business, Rei Carvalho, he’s actually Wealth.com chairman. So the team is still together. The US, San Francisco, New York, offices in Sydney, Singapore, London. We serve clients like Coinbase, grew very fast and then got acquired by LexisNexis in 2020 during peak COVID. Think about, we literally signed the documents, popped the champagne on March 2020. No vaccine. Louis Diamond: Oh, my God. Rafael Loureiro: We literally popped the champagne and we all went back home to work from home because that was the guy that’s from LexisNexis. Through that experience, selling a company, one thing you usually do, it’s a big liquidity event and estate planning is always related to big moments. You get married, someone in your family die, you have a new kid, you have a liquidated event. So I work with a financial advisor. They’re amazing. They helped me with financial planning, wealth management, saved me a lot of money insurance. But when it was time to do the estate planning, Louis, my experience was, “Hey, Rafael, we always work with this lawyer, go talk to the lawyer.” And then it was a completely broken process. First, because it was COVID and I had to go see the lawyer face-to-face. That was weird right there. Second, because I was expecting the lawyer to know everything about me because my advisor knows everything about me, know about my life situation, know about liquid event, know about my kids, rental houses, everything and then the engineer. I know what I told the lawyer, but do I know for sure that everything I told the lawyer end up in the document? No, I don’t. Long story short, otherwise it is a long story, we’re having a virtual coffee. I don’t know if you remember everyone, big beard, long hair, everyone working from home, and then somehow all the Emailage C-level team and founders, the co-founders, we start complaining about state plan. Even another example, my chairman, the Wealth.com chairman, Emailage CEO, Rei Carvalho, he was like, “Hey, Rafael, I’m done with the summer heat in Arizona. I’m moving to Denver. I’m going for cooler weathers.” Literally the moment he moved to Denver, he gets a call from his estate planning lawyer, welcome him to Denver and saying, “Hey, we need to update your documents. “But I just spent thousands of dollars creating my documents.” “Yeah, but you live in a new state, you have to optimize your documents.” At that moment, Louis, we’re like, “Where there’s a problem, there is an opportunity,” and the company was born. Louis Diamond: I find the best company origin stories, it’s you have that, you have a personal experience or a moment where you have a realization that t

In this episode of Medsider Radio, we sat down with Antony Odell, co-founder and CEO of Echopoint Medical.Echopoint is a London-based UCL spinout developing iKOr, an optical microcatheter for coronary diagnostics.Antony brings over 30 years of medtech experience across Johnson & Johnson, Fresenius, and Stryker, before transitioning into startups as CEO of Tayside Flow Technologies and Tissue Regenix. He holds a BSc in Physiology and Biochemistry.In this interview, Antony discusses translating academic IP into a commercial device, choosing early clinical sites to balance speed and learning, managing non-dilutive funding as a long-term discipline, and outlines the most important responsibilities of an early-stage medtech CEO.Before we dive into the discussion, I wanted to mention a few things:First, if you're into learning from medical device founders and CEOs and want to know when new interviews are live, head over to Medsider.com and sign up for our free newsletter.And if you're ready to level up your medtech game, you should check out Medsider Courses — 8-week masterclasses covering topics like fundraising, M&A and exit planning, design and development, clinical and regulatory strategy, and commercialization.These courses, featuring hard-earned lessons from elite medtech CEOs, can be purchased individually or come free with our All-Access Pass.If you'd rather read than listen, here's a link to the full interview with Antony Odell, which includes a link to ScottBot — an AI version of host Scott Nelson trained on every Medsider interview and playbook. Feel free to ask ScottBot any questions you'd like!KEY MOMENTS FROM THE INTERVIEW(03:06) - How Antony's career centered on translating clinical insights into commercial reality (05:54) - What Echopoint's iKOr does, and why 40% of cath lab patients leave without a diagnosis (12:13) - How Echopoint landed its first U.S. clinical site, and what that means for the company (13:48) - What to assess before spinning out an academic idea, and why clinician input is the first real test (20:14) - Why Echopoint chose Barts over typical sites for its first-in-human study (22:58) - How getting too close to one clinical site can lead to dangerous groupthink (30:54) - Why non-dilutive funding belongs on the board agenda permanently (39:54) - How CEOs should manage boards, control information flow, and avoid becoming a “glorified note-taker”

Join me for The Spring Edit, a month-long experience inside the School of Self-Image that I'm doing right alongside you. One room, one honest look, and one woman deciding who she is now – and creating a space that says so. https://www.schoolofselfimage.com/go  There's a room in my house that I've called my studio for nearly two years. I've never once recorded a podcast in it. Two walls painted black, two white. Not a decision. A series of half-starts that never became anything. Every time I walk past it, it whispers: "You're a woman with beautiful ideas who doesn't follow through." But I know who does follow through. I've been her. The one who sailed through St. Barts in silk, spent a summer in the South of France, walked into rooms and felt like herself. Alive. Creative. Unapologetic. I set her down somewhere along the way. And maybe you did, too. You don't lose that version of yourself all at once. Life fills in around her, and one day you realize the door has been closed for a long time. In this episode, I'm making it public: I'm building that studio. And I want you to do this with me – because your environment is your identity made visible, and the woman you're becoming doesn't live in someday. She lives right now. Here's what we cover: The room in my house I've been avoiding, and the self-image conversation it's been having with me for years Why an empty room is still a mirror, and what yours might be saying about you The woman I've been outgrowing and the one I'm returning to What space you've been walking past every day (and what it's costing you) Why a weekend blitz can clean a room but cannot shift your self-image How 30 days of intentional choices build unmistakable evidence for who you're becoming My public commitment – and the invitation to join me Did you enjoy this episode? Subscribe to the podcast and leave a 5-star review! You can also listen to this show on YouTube and on all your favorite podcast platforms. How to Connect with Tonya Leigh Website: https://schoolofselfimage.com/ Instagram: https://www.instagram.com/tonyaleigh Facebook: https://www.facebook.com/TonyaLeighOfficial/ LinkedIn: https://www.linkedin.com/in/tonyaleighofficial/ Pinterest: https://ph.pinterest.com/tonyaofficial/ Twitter: https://x.com/tonyaleigh YouTube: https://schoolofselfimage.com/yt-tl

On this week's Bonus Ep: Day 16 in St. Barts and Vogue has officially overstayed her welcome, a man walks half of Italy after an argument, another doesn't speak to his wife for twenty years, and the less said about the primary colours conversation the better.Plus, we've been heard at the top of the Himalayas, a listener fakes an illness for a bit of peace and quiet and a listener called Kirsty is gunning for a producer credit with her new segment idea -Back to the Group Chat. We're listening, send them in.Watch us on YouTube! CLICK HERE! or search Vogue & AmberRemember, if you want to get involved you can:Email us at vogueandamberpod@global.com OR find us on socials @voguewilliams, @ambrerosolero @vogueandamberpodListen and subscribe to Vogue & Amber on Global Player or wherever you get your podcasts

Check #VZD11InBeeld op Instagram en Facebook!In VZD 11 focussen we op misschien wel de meest enigmatische groep theropoden: de spinosauriërs. Uiteraard met speciale aandacht voor de spiksplinternieuwe soort Spinosaurus mirabilis.Maar eerst geven we antwoord op drie luisteraarsvragen. En ook de winnaar van het door ons gesigneerde exemplaar van het cult-paleoart-boek “All Yesterdays” (2012) is bekend!Opgenomen op 26 maart 2026.Hoofdstukken:00:00:00 – Intro00:00:55 – Wie wint het boek “All Yesterdays” (2012)?00:03:02 – Barts 1e vraag: Status halswervel BYU 9024?00:14:43 – Barts 2e vraag: Gastralia in Ornithischia?00:21:59 – Barts 3e vraag: Evolutie sauropodentanden vs. bloemen?00:32:16 – De spinosauriërs00:33:51 – Spinosaurus aegyptiacus00:53:01 – Spinosaurus mirabilis00:59:51 – Baryonyx & Suchomimus01:05:10 – Oorsprong, verspreiding & tanden01:10:16 – Ichthyovenator & Irritator01:16:15 – Paleoart door Mark Witton01:17:30 – Paleoart door Hodari Nundu01:18:31 – Spinosauriërs in België?01:20:29 – OutroBronnen:● Taylor & Wedel 2016: “How Big Did Barosaurus Get?” (foto's!) https://www.miketaylor.org.uk/dino/pubs/svpca2016/TaylorWedel2016-how-big-did-barosaurus-get.pdf● Taylor & Wedel manuscript-in-progress: Halswervel BYU 9024 = Barosaurus https://github.com/MikeTaylor/palaeo-superbaro ● Lovelace, Hartman & Wahl 2007: Halswervel BYU 9024 = Supersaurus https://tinyurl.com/BYU9024-Barosaurus● Radermacher, Choiniere et al. 2021: Ademhaling bij Heterodontosaurus https://doi.org/10.7554/eLife.66036● Farmer 2015: Ademhaling bij krokodilachtigen https://doi.org/10.1152/physiol.00056.2014● D'Emic et al. 2013: Tandvervanging bij sauropoden https://doi.org/10.1371/journal.pone.0069235● Wu, You & Li 2017: Eerste grassen https://doi.org/10.1093/nsr/nwx145● Stromer 1915: Spinosaurus aegyptiacus https://www.biodiversitylibrary.org/item/124817#page/7/mode/1up● Ibrahim et al. 2014: Spinosaurus zwom https://doi.org/10.1126/science.1258750 ● Ibrahim et al. 2020: Spinosaurus-staart https://doi.org/10.1038/s41586-020-2190-3 ● Hone & Holtz 2021: Spinosaurus was oeverjager https://doi.org/10.26879/1110 ● Sereno et al. 2026: Spinosaurus mirabilis https://doi.org/10.1126%2Fscience.adx5486● Hendrickx, Koen Stein et al. 2024: Theropode-tanden uit de Marokkaanse Kem Kem https://doi.org/10.1080/02724634.2024.2311791● Charig & Milner 1986: Baryonyx https://doi.org/10.1038/324359a0● Samathi, Sander & Chanthasit 2021: “Phuwiang spinosaurid B” https://doi.org/10.1080/08912963.2021.1874372 ● Allain et al. 2012: Ichthyovenator https://doi.org/10.1007/s00114-012-0911-7● Schade et al. 2023: Openklappende onderkaak bij Irritator https://doi.org/10.26879/1242#VogelsZijnDinos #KoenStein #AlexanderDecommere #AllYesterdays #DarrenNaish #Supersaurus #Barosaurus #BYU9024 #Diplodocoidea #MorrisonFormatie #Heterodontosaurus #Gastralia #Ornithischia #Saurischia #Aves #Mammalia #Crocodylia #ViktorRadermacher #Titanosauria #Angiospermae #Ouranosaurus #ErnstStromer #Spinosaurus #BombardementMünchen1944 #Paralititan #TheLostDinosaursOfEgypt #WilliamNothdurft #NizarIbrahim #TheDinosaurs2026 #Nyctosaurus #Tapejara #Pterosauria #PaulSereno #KemKemFormatie #Theropoda #Baryonyx #MathiasDecommere #ArtroPoda #PhuwiangSpinosauridB #Irritator #PaleoArt #MarkWitton #HodariNundu #SpinosauridaeVragen of suggesties → ⁠vogelszijndinos@gmail.comHomepage: ⁠⁠https://vogelszijndinos.weebly.comFacebook: ⁠https://www.facebook.com/VogelszijndinosInstagram: ⁠https://www.instagram.com/vogelszijndinosHomepage Koen: ⁠⁠https://www.koenstein.commHomepage Alexander: ⁠⁠https://alexanderdecommere.weebly.comCredits:Gastheer — Filmmaker en dino-nerd Alexander DecommereGast — Paleontoloog dr. Koen SteinProductie en postproductie — Alexander DecommereMuziek — Kostas Panagiotou, van Pantheïst: ⁠https://pantheist.co.ukVZD-logo — Anke De PotterVogels zijn dino's © Alexander Decommere & Koen Stein

Send us Fan MailDescription: Welcome back to Music to Make You Stronger. I'm RonnieZ, and for Episode 214, we are shifting straight into overdrive.This week's mix is designed to keep you entirely out of your comfort zone. We are bridging the gap between nostalgic throwbacks and heavy, modern club energy. With aggressive flips of everything from the Beastie Boys to Playboi Carti, this playlist does not give you a chance to breathe.Lock in, find the beat, and don't hold anything back.Tracklist:·       Flo Rida & Sia - Wild Ones (Cardosh Remix)·       Actin' Tough (Olly Watt Edit)·       Playboi Carti - Shoota (Vuskiii Remix) [Extended Mix]·       Swedish House Mafia - One (TERZI Remix)·       Dem Franchize Boyz - Lean Wit It (Downlow Flip)·       The Hills x Titanium (WILLØ Mashup)·       James Hype - Be Mine (FRNKROK Remix)·       Beastie Boys - Fight For Your Right (RUMPUS & Decker Rush Remix)·       Technotronic - Pump Up The Jam (Andrew Lux Remix)·       Sean Paul, Henry Fong & Proppa vs Teriyaki Boyz - Temperature x Tokyo Drift (WILLØ Mashup)·       Calvin Harris x Justin Beiber x Anabel Englund x CID x Kaskade - How Deep Is Your Love x Beauty and a Beat x Vision Blurred·       Scream & Shout (Arkania 'GO GO GO' Edit)·       Don Toliver - After Party ('Afterparty' Edit)·       Sweet Nothing (Arkania 'Destiny (HILLS Remix)' Edit)·       DON'T STOP (CLUB TOOL)·       M.I.A. - Bad Girls ('Girls MIA' Edit)·       Interupt & BARTS vs Calvin Harris - Power x Flashback ·       Timbaland ft. Justin Timberlake & Nelly Furtado - Give It To Me (Kelland & Jaemo Remix)·       La Roux & Lumarii - Bulletproof Questions/Inquiries -> ronnie@rjzproductions.com Support the Mixes: https://buymeacoffee.com/ronniezIf this mix helped you smash your workout, hit SUBSCRIBE for a new session every week!

TX5EU - update March 14 - We finally made it to our new TX5EU QTH on Austral Island Raivavae and started setting up antennas and equipment. So far, 5 of 9 antennas are already set up: VDAs 20m, 15m, 12m, the DX Commander, and the 40m vertical. The rest will follow tomorrow morning after sunrise (and a quick coffee...). Operation will start around 6 a.m. GMT (at our far end of the world, it is still the evening of March 13...). Watch out for our first signals! 73 from TX5EU   T31 - Central Kiribati - The Rebel DX Group say their upcoming T31TTT activity (Starting around March 25) on Kanton Island will likely be their last operation for "some considerable time," similar to their 3D2/C Conway Reef ops.  They say they are joining government officials and a ministry of fishery and environmental delegation, and note the rules there are changing soon, including likely a lockdown of access for visitors for environmental protection reasons.  We have a second update - The Rebel DX Group's upcoming T31TTT operation, scheduled to start around March 25, the update:  Preparations are complete with their ship loaded with supplies, fuel, and generators.  They are now leaving Fiji for Samoa, to be joined by seven Kiribati government officials who will part of the trip to Kanton Atoll.   HR – Honduras - KN2P, N7VZ and W7UM have gotten their callsign for their Honduras DXpedition,  from the new government and new commissioner for telecoms there.  The callsign is HQ9UM and the dates are March 24-31.  They will be on 160-10 SSB, CW and FT8 and use LoTW for QSLing.  And they have the HQ9X callsign for the CQ WPX SSB weekend.  Otherwise, they will be holiday style.  3B8 - Mauritius - G3TXF, Nigel, will participate in the RSGB Commonwealth Contest as 3B8XF on March 14-15 and continue CW activity on HF until March 25. G3WVG, Ian, now 3B8VV, will also be active on HF for a week until March 19. Both are operating from a small islet previously used by the successful 3B8M contest team.  9J – Zambia - DM7XX, Robert, will be operating as 9J2RO from the Fountain Gate Crafts & Trades School from March 16 to 30, participating in the CQ WPX SSB Contest  (March 28-29)    YJ – Vanuatu - VK2YUS, Chris Ayres, plans an operation, YJ0CA.  He will be at Port Vila March 18 to April 2, SSB only, the same gear as previously, an IC-7300 to small amplifier, and simple wire antennas, 40-10.  He says his main operating times will likely be between 2100-1000Z.  Chris logs on to paper and then has "a high quality physical card for confirmation."  Cards will be sent out air mail in  April from Australia.  Check QRZ.com for the details on QSL address, etc.  YJ - Vanuatu  JK1JXZ, Aki, will operate as YJ1JXZ from Port Vila, Vanuatu, between March 15  and April 3, active on 80-6 meter bands after 5 PM (local time) on weekdays  and all day on weekends.    FJ - St. Barthelemy –Andreas, DK6AS, is now active from St. Barts as FJ/DK6AS for the month of March. He is QRV on CW, FT4 and FT8 on 3.5 through 50 MHz, including participation in the ARRL International DX CW Contest. QSL via DK6AS either direct or via the bureau.  VP2E – Anguilla – Jack, M0PLX, SP9FIH and SQ2RAD, will be QRV from Anguilla until March 22nd. They will use the callsigns VP2ELX, VP2EWE, and VP2EAD, respectively. Their activities will cover the 160-6 meter bands, with each operator focusing on specific frequencies; Jack will concentrate on 15m, 40m, and 80m SSB. Operations will take place on SSB and CW, utilizing multiple transceivers, amplifiers, and both vertical and directional antennas. During the three-week stay, Jack also plans short sightseeing and possible radio activities from St. Maarten (FS), Saba (PJ6), and St. Barthelemy (FJ).  V5 - Namibia – Gunter, DK2WH, is currently operating as V51WH from a farm near Omaruru, Namibia, and will remain active until March 24, covering frequencies from 160 to 6 meters, including 60 meters. 

The following DX information comes from Bernie, W3UR, editor of the DailyDX, the WeeklyDX, and the How's DX column in QST. If you would like a free 2-week trial of the DailyDX, your only source of real-time DX information, justdrop me a note at thedxmentor@gmail.comLet's start with on update on the 3YØK DXpedition from Bouvet Island: Bouvetøya, March 10th 2026 While the previous days weather has been good, thecurrent weather at Bouvetøya has strong winds at 25 m/s and rain and we have difficulties to walk and stand up while outdoor. The 160m antenna broke today and the 20M Yagi is also damaged and not in use. We have spare parts ready forthe antennas, but currently it is deemed unsafe to raise the Yagi in this strong wind. We will get it up as soon as the weather allows it.We currently have 6-7 stations up and running and willkeep this until the weekend. It is likely we will see a partial tear down if there is a weather window this weekend or early next week. We still plan to stay as long as possible next week, but the weather window will dictate when wemust return to vessel. We have currently logged more than 70.000 contacts, and we thank everyone for being in the pileup! - 73, 3YØK. J5 - Guinea-Bissau –As of Monday, they had made 164,500 QSOs with 31,600 different callsigns in 10.9 days of operation. (As of this writing, at 1930 UTC, the number of QSOs logged had increased to 168,085.) There are still nine days to go. They experienced a 30-minute generator outage yesterday, but“apart from that, operation is going on smoothly.” They also reported that they would be on 80M SSB, but not 160M or 60M SSB.   YJ – Vanuatu - VK2YUS, Chris Ayres, plans an operation, YJ0CA.  He will be at Port Vila March 18 to April 2, SSB only, the same gear as previously, an IC-7300 to small amplifier,and simple wire antennas, 40-10.  He says his main operating times will likely be between 2100-1000Z.  Chris logs on paper and then has "a high quality physical card for confirmation."  Cards will be sent out air mail in  April from Australia.  Check QRZ.com for the details on QSL address, etc. FJ - St. Barthelemy –Andreas, DK6AS,is now active from St. Barts as FJ/DK6AS for the month of March. He is QRV on CW, FT4 and FT8 on 3.5 through 50 MHz. VP2E – Anguilla – Jack, M0PLX, SP9FIH and SQ2RAD, will be QRV from Anguilla until March 22nd. They will use the callsigns VP2ELX, VP2EWE, and VP2EAD, respectively. Theiractivities will cover the 160-6 meter bands. ZC4 - UK Sovereign Base Areas on Cyprus The planned (ZC4C and ZC4Z) trip to Cyprus was canceled by the travel company just 12 hours before departure, leaving the group deeply disappointed. Attempts to rebook flights were unsuccessful due to limited availability and  ongoing travel restrictions. The team, who had remained determined to travel  despite recent safety concerns, is now seeking an extension to theirlicense to reschedule for a later date. After a year of preparation, the sudden cancellation is a significant letdown. VP0/O - South Orkney Islands - Sergeant RamonAlberto Matinez, will operate as LU1DMZ/Z from the LU1ZA station at Orcadas Antarctic Base on Laurie Island, South Orkney Islands, throughout 2026. The South Orcadas Base, established in 1904, is the oldest Antarctic base. In 1927, the first all-Argentine crew led by JosÇ Moneta arrived,and the first official radiotelegraph station in Antarctica was opened.Since 1951, the Orcadas Observatory has been under the Argentine Navy as the South Orcadas Naval Detachment. QRX for more details.

Hello and Welcome to the DX Corner for your weekly Dose of DX. I'm Bill, AJ8B.5N – Nigeria – Bodo, DF8DX, will be in Abuja, Nigeria, working at the Voice of Nigeria broadcasting station from March 1-10,. Operating under his new callsign 5N7QBR he plans to be active on the air as time allows and will participate in the ARRL DX SSB Contest. J5 - Guinea-Bissau – 124,600 QSOs and 23,800 different callsigns after 7.24 days of operation. Still 13 days to go.YJ – Vanuatu - JK1JXZ (also known as A35JK, T2JK), Aki, is QRV from Port Vila, Vanuatu as YJ1JXZ until April 3, 2026. He  will operate on the 80-6m bands, with activity after 5 p.m. Vanuatu time on weekdays and all day during weekends. The web page https://www.qrz.com/db/YJ1JXZ will beupdated  once the specific dates are confirmed. FJ - St. Barthelemy –Andreas, DK6AS, is now active from St. Barts as FJ/DK6AS for the month of March. He is QRVon CW, FT4 and FT8 on 3.5 through 50 MHz, including participation in the ARRL International DX CW Contest. QSL via DK6AS either direct or via the bureau.3B8 - Mauritius & 3B9 - Rodrigues - So far reported as 3B8G on 20, 15 and 10 CW, and the operator is VU3OPT, akaOM0GA, Suvarna.  This is a 48-day trip will end on March 30. The Rodrigues portion, callsign 3B9N, will run from April 3 to May 20.  It appears he also plans visits to Sri Lanka (4S) and Bangladesh (S2) in the second half of 2026. JD1/M - Minami Torishima – Take, JG8NQJ, will be working again on Minami Torishima as JG8NQJ/JD1 now to mid-May, operating with 50 watts and a  HB9CV style 17/15M 2-element antenna. QSL via JA8CJY.  VP2E – Anguilla – Jack, M0PLX, SP9FIH and SQ2RAD, will be QRV from Anguilla until March 22nd. They will use the callsigns VP2ELX, VP2EWE, and VP2EAD, respectively. Theiractivities will cover the 160-6 meter bands, with each operator focusing on specific frequencies; Jack will concentrate on 15m, 40m, and 80m SSB.Operations will take place on SSB and CW, utilizing multiple transceivers, amplifiers, and both vertical and directional antennas. During the three-week stay, Jack also plans short sightseeing and possible radio activities from St. Maarten (FS), Saba (PJ6), and St. Barthelemy (FJ).ZC4 - UK Sovereign Base Areas on Cyprus - The ZC4C and ZC4Z team are scheduled to depart Edinburgh, Scotland Wednesday morning heading for Cyprus and will probably begin operations early Thursday.  VE – Canada - It's VO2LAB/VY0 from Iqaluit, Baffin Island, Nunavut  Territory, where Jim, WB2REM, is operating remotely from the VY0IRC station.  QSL via Club Log, QRZ, LOTW but no paper confirmations. V5 - Namibia – Gunter, DK2WH, is currently operating as V51WH from a farm near Omaruru, Namibia, and will remain active until March 24, covering frequencies from 160 to 6 meters, including 60 meters. FO/A - Austral Islands - "The excitement is mounting, just over a week to go until departure!" – from the TX5EU group.  A lot of the prep work is done, extensive radios, antennas, spare parts, etc., "everything has been planned in detail, tested, and packed."  The German and Dutch ops have been meeting regularly, mostly on video conferences.  On March 11, the six ops from Germany and The Netherlands will meet at the airport in Paris and fly to San Francisco and onward to the Austral Islands.  They expect to be on the air March 13, with operations  continuing to March 25.  

Hello and Welcome to the DX Corner for your weekly Dose of DX. I'm Bill, AJ8B.The following DX information comes from Bernie, W3UR, editor of the DailyDX, the WeeklyDX, and the How's DX column in QST. If you would like a free 2-week trial of the DailyDX, your only source of real-time DX information, justdrop me a note at thedxmentor@gmail.comTo say that the world has been waiting on this would be an understatement. We have an update on the Bouvet DXpedition, 3Y0K - They have left Cape Town!The 3YØK team has departed Cape Town aboard the Danish registered vessel Argus from Icetugs, beginning the 1,500‑nautical‑mile transit to Bouvetøya. Argus completed scheduled maintenance and survey work prior to her arrival in Cape Town, ensuring full readiness for the voyage. Earlier this week, the expedition helicopter was loaded, inspected, and secured on deck. Both the vessel and the aircraft have successfully passed all required inspections. We appreciate the strong commitment demonstrated by the pilots, mechanics, expedition guides, and vessel crew as we move forward together as one team to make this a successful expedition. The captain and crew are performing excellently, and the team is enjoying good meals prepared by the ship's chef. Despite encountering rough seas during the first day at sea, preparations continue onboard as we expect to arrive atBouvetøya on February 26th at 08:00 local time. We extend our sincere thanks to all contributors for your continued support! 73, 3YØK Team  5N – Nigeria – Bodo, DF8DX, will be in Abuja, Nigeria, working at the Voice of Nigeria broadcasting station from March 1-10,. Operating under his new callsign 5N7QBR he plans to be active on the air as time allows and will participate in the ARRL DX SSB Contest. Using 100 watts and possibly Voice of Nigeria's large curtain antenna (about 19dB gain), he will operate CW, SSB, and FT8 on 10-80m bands. QSLs are accepted via LoTW, direct, bureau, or OQRS after the activity. For more information, see his QRZ.com profiles for 5N0OCH and 5N7Q.9G – Ghana – Arno, DL1CW, is QRV until March 3rd. He ismostly on CW with some RTTY possible through March 3. He is running 100 atts to a dipole and plans to be active on 3.5 through 50 MHz. QSL via LoTW and via the bureau to DL1CW. J5 - Guinea-Bissau – We have over 25.000 QSOs in the log after the first 24 hours of operation. We already logged more than 5.000 QSOs in CW. Only some 100+ SSB QSOs yet. Manymore CW and SSB to come in the coming days, don't worry... We have an Update on KP5/NP3VI, Desecheo Island- Asreported last week, KP5/NP3VI, the Desecheo Island DXpedition, has been extended to March 3. As of February 25th, they had exceeded 97,000 QSO milestone, “all generated using our fully solar-powered, unattended RemoteDeployment Unit.”  FJ - St. Barthelemy – On February 12, Andreas, DK6AS, began his February/March 2026 FJ/DK6AS operation from St. Barts. He'll be QRV on CW, FT4 and CT8 on 3.5 through 50 MHz,including participation in the ARRL International DX CW Contest. QSL via DK6AS either direct or via the bureau. This week, the DX Mentor YouTube episode will feature Hal, W8HC. Hal will be discussing the 9U1RU DXpedition that logged almost 180,000 QSOs. Give it a watch and let me know what you think.Until next week, this is Bill, AJ8B saying 73 and thanks to my XYL Karen for her love and support. I Hope to hear you in the pileups! Have a great DX week!

Join Dave Davis, Dr. Barts & Simon Brundish from Anfield Index for a deep dive into Liverpool's midfield situation. We conduct a thorough football analysis, examining player match profiles and addressing contract and positioning questions for several key Liverpool FC midfielders. The discussion also touches on broader squad considerations and the role of players like Alexis Mac Allister & Ryan Gravenberch in the current Premier League campaign. Up The Reds!

Hello and Welcome to the DX Corner for yourweekly Dose of DX. I'm Bill, AJ8B.The following DX information comes from Bernie, W3UR, editor of the DailyDX, the WeeklyDX, and the How's DX column in QST. If you would like a free 2-week trial of the DailyDX, your only source of real-time DX information, just drop me a note at thedxmentor@gmail.com5X - Uganda – Richard, HB9FHV,is currently in Uganda for a brief visit with basic radio equipment until February 28, 2026. He plans limited activity as 5X4TA almost daily on the 10, 15, and 20 meter bands between 1500Z and 1600Z.  TZ - Mali - Ulmar, DK1CE, should be QRV as TZ1CE until March 1.  He will be doing mostly FT8 and SSB and says when he's on FT8 he gives stations outside Europe precedent at alltimes.  He plans special attention to 160M FT8, 80M FT8 and 6M and will update daily on Club Log, the LoTW log will be after the operation. FJ - St. Barthelemy – On February 12, Andreas, DK6AS, began his February/March 2026 FJ/DK6AS operation from St. Barts. He'll be QRV on CW, FT4 and CT8 on 3.5 through 50 MHz, including participation in the ARRL International DX CW Contest. QSL via DK6AS either direct or via the bureau.VP5 - Turks and Caicos Islands - The Russell family (WD5JR, N5VOF and KJ5CMP) are in the Turks and Caicos Islands until February 23. They have an IC-7300 and KX2 running 5 to 100 watts into a 17 foot whip with coil and EFHW. They are active as VP5/HC on 7 through 50 MHz on SSB and CW. They areuploading videos to their YouTube channel Radio Roamers and Facebook page Radio Roamers.  QSL via their home calls with SASE.  J5 - Guinea-Bissau - The J51A DXpedition team, heading for Bijagos Archipelago (AF-020) in the February-March time frame giving the following update.  "J51A on QO-100: We were asked to be active on QO-100 satellite, too. We learnt that J5 has NEVER been active on QO-100 before.So, we decided to give it a try for a lot of ATNO contacts on SSB, CW and FT8. However, none of us has operated over  satellite before. Please bear with us if we do something stupid or unexpected. Just let us know by E-Mail ( j51a@gmx.de ) and we'llfix any misbehavior  A.S.A.P. Technically; we will use 50 MHz as the IF band. It means that we  cannot do 50 MHz when on QO-100, and vice versa. QO-100 operation will start a  couple of days after the other bands. Please watch the "News" sectionon  www.qrz.com/db/J51A for more info." OX – Greenland - From February 17th to March 9th, 2026, Bo, OZ1DJJ, will be active as OX3LX from Aasiaat City/Island (GP38NQ, NA-134) during this period. Please note, this is nota DXpedition but rather a business trip, so activity may be limited. 8Q - Maldives – Alex, OE5AUH, is planning a holiday operation as 8Q7AH from Rasdhoo Atoll March 1-10.  RI1F - Franz Jozef Land - The Russian DX Team is preparing a major DXpedition to Franz Josef Land (RI1FJL), The Arctic Ocean archipelago, ranked 44th globally and 26th in North America. The operation will feature at least five high-power radio stations running continuously on all HF bands for 15 days in September 2026, aiming to contact as many stations as possible, including those in distant areas.The total budget for this trip is close to $80,000, making it their most expensive expedition yet, and financial support from DX clubs and individuals is crucial for its success. Donations are encouraged and can be made through the team's website - https://www.rudxt.org/ri1fjl or directlyvia PayPal un7jid@mail.ru. In addition to the previously mentioned KP5/NP3VI interview, the DX Mentor podcast will be with Hal, W8HC. Hal will bediscussing the 9U1RU DXpedition that logged almost 180,000 QSOs. Give it a listen and let me know what you think.

Dave Davis is joined by both BARTs and Si on the latest episode of Stat Me Up, where they analyse Liverpool's poor fitness this year and whats gone wrong! Learn more about your ad choices. Visit podcastchoices.com/adchoices

On the latest episode of Stat Me Up, Dave Davis is joined by both BARTs and Si as they discuss why Konate's renewal makes all sense and the uptick in recent weeks is clear. Learn more about your ad choices. Visit podcastchoices.com/adchoices

On the latest episode of Stat Me Up, Dave Davis is joined by both BARTs and Si as they conclude: - Salah's demise was completely exaggerated, but Gakpo is a concern Learn more about your ad choices. Visit podcastchoices.com/adchoices

Apply for the Leap Year 6-week Minimind - https://www.oliviatati.com/leapyearminiIn this deeply personal solo episode, Olivia Tati reflects on her transformative time in St. Barts — often called Billionaires' Island and the powerful moment she remembered who she truly is ✨ Surrounded by extreme wealth and possibility, she shares how the experience cracked open old mental barriers and exposed subtle limiting beliefs she didn't even realize she was still carrying.Tune in to learn how to release invisible limitations, expand what you believe is possible for you

On the latest Transfer Market Metrics, Dave Davis is joined by Dr Barts to look at: Van Dijk's numbers this season and whether he is in decline, or whether a system change is needed to bring out his best qualities again. Learn more about your ad choices. Visit podcastchoices.com/adchoices

In a bumper special, with a new data site, Dave Davis is joined by Dr Barts to look at: Recent links to Van De Ven (Spurs) and his possible impact at Liverpool! Learn more about your ad choices. Visit podcastchoices.com/adchoices

On the latest Transfer Market Metrics podcast, Dave Davis is joined by Dr Barts to discuss: recent links to Jérémy Jacquet and his potential fit for Liverpool if he were to arrive at LFC! Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this episode, Krista talks about turning 40 in St. Barts, setting clear intentions for how she wants to feel, and rewriting old money stories while traveling with family. She shares what working-from-anywhere looks like (and what she's not willing to sacrifice), how she stays grounded with meditation and Reiki, and why choosing your thoughts, feelings, and actions is the real control we have. It's a candid, poolside riff on ambition, rest, and letting life be both beautiful and imperfect.

Humble Beginnings in a Feed Store Sarah Cohen never imagined she'd spend her life making potato chips in rural Virginia. Growing up in Washington, DC, where she worked in her family's restaurant and hotel business from age 12, she learned work ethic early. However, manufacturing knowledge? That came later—much later. In her twenties, Sarah launched Route 11 Potato Chips in an old feed store in Middletown, Virginia. The setup was as bare-bones as it gets. "We had wooden floors," she recalls, still sounding slightly incredulous. "I know it sounds like the 1800s." The operation ran on 1960s equipment, and workers literally carried potatoes through the office to reach the peeler. Most remarkably, they stirred batches of chips with a garden rake. "I thought we must be the absolute most inefficient chip factory in the world," Sarah admits. Nevertheless, something magical happened. The local community grew curious, came to watch, tried the chips, and became advocates. That grassroots support hasn't stopped since day one. The Power of Transparency From the beginning, Route 11 did something unusual for its time: they installed viewing windows. Initially, this decision stemmed from necessity rather than marketing genius. Without a packaging machine during the first year or two, the company hand-packed chips and relied on customers coming directly to buy them. The window gave visitors something to do besides standing awkwardly in a "weird little wooden building." Before long, tour buses arrived. People came out of sheer curiosity to watch food being made—a rarity in manufacturing. When Route 11 moved to Mount Jackson in 2008, the town made "fry viewing" a stipulation of the deal. Sarah and her business partner Mike embraced this transparency wholeheartedly. "We're very shameless about just showing it as it is," Sarah explains. "This is the real deal. This is how something is made." Today, this openness feels prescient. Craft breweries and artisan food makers routinely showcase their processes, but Route 11 pioneered this approach decades ago. The Partnership That Changed Everything Running a chip factory with breaking-down equipment from the 1960s proved exhausting. Sarah attended food shows unable to sell with confidence because she couldn't guarantee production without breakdowns. Then came a serendipitous encounter in a Winchester bar. Mike, who had been "fixing lawnmowers in his diapers," loved the product but saw room for improvement. An Army veteran with an engineering mindset, he brought manufacturing vision and intensity to complement Sarah's creative approach. "We are very different types of people," she notes. "He's very engineer brain, sees the world in very black and white terms, whereas I'm much more muddled." Mike's obsession with preventive maintenance transformed the operation. Eighteen years later, visitors consistently comment that the equipment looks brand new. "That's because we take care of it," Sarah says simply. "We baby it and pamper it." This philosophy stands in stark contrast to many manufacturers who adopt a "run it until it breaks" mentality. As the conversation reveals, preventive maintenance literally saves money, especially in today's world of long lead times for parts. Route 11 maintains stockpiles of commonly needed components because they can't assume availability when equipment fails. Keeping It Simple: The Ingredient Philosophy Route 11's chips contain a remarkably short ingredient list. This minimalism serves multiple purposes. First, it lets potato chips taste like potatoes—a revolutionary concept in an industry often dominated by artificial flavors and additives. Second, it reduces exposure to recalls. As Sarah explains, "The more ingredients a product has, the more exposure you have to a recall. If one ingredient gets recalled, then you've gotta pull all that product." The company operates as a gluten-free certified facility with only one allergen: dairy, found in trace amounts in their dill pickle chips. They've developed careful protocols for running dairy-containing flavors at the end of the day, followed by thorough cleaning. Interestingly, Route 11 pioneered the dill pickle chip flavor—now ubiquitous in the snack aisle. Sarah, who enjoyed mixing pickle juice with her potato chips and grilled cheese sandwiches, decided to formalize the combination. The flavor garnered press coverage, morning show appearances, and a mention in Oprah's Magazine. "It's the closest thing we've actually formulated," Sarah says. "It's our version of a Doritos." The Costco Courtship Route 11's relationship with Costco began unexpectedly. The buying team discovered their dill pickle chips at a Leesburg deli and started calling. Sarah, having just moved to Mount Jackson, felt unprepared. "I was nervous about it," she admits. Costco persisted, eventually sending their buying team to the facility. They offered flexibility: "Just do what you're comfortable with. You tell us what you can do." This approach proved crucial for a small manufacturer wary of overextending. Today, Route 11 supplies Costco's northeast region—roughly 20 Virginia warehouses. They've learned that many small businesses mistakenly believe they must supply all Costco locations nationwide. Regional arrangements exist precisely for companies like Route 11. Supplying all 90 warehouses would require two to three truckloads weekly—essentially their entire production capacity. "We need a separate Costco production facility to be able to maintain this," Sarah jokes. Instead, they've found their sweet spot: getting chips into as many Virginia locations as possible while maintaining quality and reliability. Costco's rigorous annual audits have elevated Route 11's standards. "Their standards are higher than anybody's," Sarah notes. While the company would maintain high standards regardless, having customers with such exacting requirements pushes continuous improvement. The Flavor Balancing Act Route 11 currently offers eight flavors plus seasonal varieties, including the cult-favorite Yukon Golds. When Yukon Gold season arrives, the company experiences what they call "the Gold Rush"—digging, cooking, and shipping the chips as fast as possible before they sell out. However, Sarah learned a counterintuitive lesson about flavors: more doesn't equal better. "I was very delusional," she admits about her early vision. "I thought everybody's gonna love the chips so much, they would take one of each bag." Reality proved different. People have favorite flavors, and for all potato chip companies, most customers reach for the classic salted variety. Route 11's lightly salted chips represent 60% of sales. When slower-moving flavors like Chesapeake Crab occupy shelf space, they create holes where the lightly salted should be, hampering overall sales velocity. Consequently, Route 11 actually offers fewer flavors now than when they started. To introduce a new flavor, they must discontinue an existing one. This disciplined approach extends to their mission statement, which Sarah describes as "not very exciting": make a great product in a clean and safe environment. For a single-facility operation, one recall could prove catastrophic. Larger manufacturers can shift production to different locations; Route 11 has no such luxury. Crisis and Innovation: The Ukraine Connection The war in Ukraine delivered an unexpected blow to Route 11. Ukraine supplies 90% of the world's sunflower seeds, and when shipping stopped, the entire vegetable oil market seized up. "This is how we're gonna go out of business because we can't get any oil," Sarah remembers thinking. Their oil supplier found peanut oil—more expensive and carrying the stigma of being peanut oil—but something proved better than nothing. Route 11 had to apply different labels to every single bag, creating what Sarah describes as a "dizzying" OSHA hazard. Fortunately, the situation lasted only a couple months, and loyal customers understood. Yet this crisis sparked innovation. While desperately searching for sunflower oil, Sarah discovered a North Carolina farmer preparing to press his own oil. Soon, Route 11 will receive their first tractor-trailer load of oil from this farmer—just five hours away. For the first time, they'll purchase directly from a farm rather than through distributors. "I would not have necessarily found him had we not been turning over every single rock," Sarah reflects. This development aligns perfectly with Route 11's original vision of being regional, local, and sustainable. They already work with local potato growers in Dayton, Virginia, and certified organic sweet potato growers in Mattaponi, Virginia. Adding a sunflower oil supplier completes the circle. The Sweet Spot of Growth Route 11 now employs 53 people and operates on a four-day, 10-hour workweek. They cook during the day, with no Saturday or night shifts. This schedule reflects a deliberate choice about growth and quality of life. "We could add another shift if we wanted to," Sarah acknowledges. However, additional shifts mean accelerated equipment wear, increased maintenance costs, and the prospect of 2 a.m. phone calls about breakdowns. "That's the beauty of having your own business," she says. "You can make decisions like that. We know what we can manage." This philosophy recognizes a truth many businesses miss: there's a profitability sweet spot. Beyond a certain point, scaling up means doing more work for proportionally less profit. Route 11 has found their equilibrium—large enough to matter to suppliers, small enough to maintain quality and control. Instead of adding shifts, they've focused on optimization. Recent investments include a bigger water line for faster cleaning, an additional warehouse for better organization, and new oil tanks for receiving directly from farmers. These improvements help them "eek out more pallets of product" without fundamentally changing their operational model. Retail and Tourism: The Other Revenue Stream While wholesale accounts like Costco generate significant volume, Route 11's retail operation remains vital. The facility welcomes visitors who tour the production area, purchase chips, and browse merchandise including t-shirts and tins. The company ships nationwide, serving customers far beyond their regional grocery footprint. This retail presence serves as their primary marketing channel. People experience the product, see how it's made, and become evangelists. The model has proven so successful that Mount Jackson now hosts an annual Tater Fest—a potato-themed festival celebrating the town's most famous product. Lessons from the Trenches When asked what advice she'd give aspiring food manufacturers, Sarah's immediate response is characteristically honest: "Don't do it. Whatever you do." Then she elaborates more seriously. Small business ownership is all-consuming, like having children. Everything that can go wrong does go wrong. Success requires time, money, deep pockets, and support systems. Sarah deliberately avoided investors, unwilling to be "enslaved" to return-on-investment demands or have others dictating shortcuts for profit. Realism matters, but so does a touch of delusion. "If I had been realistic, I never would've done it," Sarah admits. Vision must balance with number-crunching. She credits the Small Business Development Center where Bill helped her develop a business plan and understand concepts like breakeven points. The timeline proves sobering: Route 11 took nearly seven years to break even. During that period, Sarah worked part-time at a pizzeria while her co-founder worked as a line cook at the Wayside Inn. They put every dollar back into the business, personally making no money. "You have to be in your twenties," Sarah jokes. The energy and resilience required make this a young person's game. When people call seeking mentorship while envisioning running their company from a beach in St. Barts, Sarah's response is blunt: "No, sorry. If you're already envisioning yourself running your company from the beach, you probably should not even start." Manufacturing demands on-site presence. It's like being a conductor, orchestrating multiple moving parts simultaneously. Customers calling with problems don't want to hear ocean waves in the background. Looking Ahead Route 11's future involves maintaining and growing thoughtfully. The pandemic forced a holding pattern, but Sarah feels ready to resume trade shows and active selling now that they've optimized production capacity. Challenges loom, particularly federal government layoffs affecting the DC market—a significant customer base for Route 11. Many restaurants are closing due to reduced lunch business, and Route 11 has been part of that ecosystem. Adaptation will be necessary. Yet Route 11's greatest strength remains reliability. "The most important thing about selling to somebody is that you're reliable," Sarah emphasizes. Potato chips move quickly, and if you can't deliver on time, customers find alternatives. Route 11's commitment to reliability has built trust that transcends market fluctuations. From wooden floors and garden rakes to Costco shelves and 53 employees, Route 11 Potato Chips embodies the American manufacturing dream—not the fantasy version where entrepreneurs run companies from tropical beaches, but the real version requiring grit, adaptability, community support, and an unwavering commitment to quality. As Cohen surveys her 20,000-square-foot facility, the journey from that cramped Middletown feed store seems both improbable and inevitable. "It's just a very interesting story," she says with characteristic understatement. For anyone who's ever tasted a Route 11 chip—crispy, perfectly salted, tasting unmistakably like actual potatoes—the story is more than interesting. It's inspiring.

Happy New Year! Sie sind wieder hier! Nach einer gemütlichen Weihnachtszeit in New York, ging es für Bill, Tom und Heidi frisch gebleicht in die Mittagssonne von St. Barts, wo sie trotz gelegentlicher Hundehasser-Attacken letzten Endes doch noch genüsslich mit Leonardo DiCaprio und seiner Plus Eins ins neue Jahr rutschen konnten. Es wurde gefeiert, es wurde geknutscht und auch ein bisschen eingepullert. Jetzt stellt sich zum Jahresanfang für unsere aufmerksamkeitssüchtigen A-Promis mittleren Alters eigentlich nur die Frage: Dry January oder reicht Blondieren und Spray Tan? - Stay wild, ihr Mäuse! Alle weiteren Infos rund um den Podcast, Updates und Werbepartner findet ihr hier: https://www.instagram.com/kaulitzhills.podcast/ Learn more about your ad choices. Visit podcastchoices.com/adchoices

Bethenny Frankel is getting called out after trashing her St. Barts trip, despite partying with Jeff Bezos, Lauren Sánchez, influencers, and fellow Bravo stars all night. On this episode of Don't Let It Stu, Chef Stuart O'Keeffe and SE Cupp break down Bethenny's viral TikToks, the internet rumors about “facial chlamydia” in St. Barts, and why fans are officially over rich-people hypocrisy. Plus, they react to Nick Viall and Natalie Joy facing backlash for an uncomfortable interview moment, unpack the delusion and chaos of Palm Beach's Members Only, and dive into RHOBH fatigue — including forced retreats, Sutton's vulnerability, Dorit vs Kyle tension, and why “healing journeys” are ruining Housewives. Chef Stu Social - send your questions for “Kitchen Quick Fix” Instagram: https://www.instagram.com/chefstuartokeeffe/ Facebook: https://www.facebook.com/chefstuartokeeffe Youtube: https://www.youtube.com/chefstuartokeeffe TikTok: https://www.tiktok.com/@chefstuart?lang=en Chef Stu's Cookbooks & Seasoning: Quick Six Fix - https://amzn.to/49zVeB0 Cook It, Spill It, Throw It: The Not-So-Real Housewives Parody Cookbook - https://amzn.to/49A8UMi Chef Stu Lovely Seasonings - https://chefstuart.com This is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or the Hurrdat Media YouTube channel! Learn more about your ad choices. Visit megaphone.fm/adchoices

Recorded in Dublin, Ireland, and hosted by The British Journal of Anaesthesia at their annual meeting, this week's TopMedTalk focuses on translational research. Presented by Andy Cumpstey and Kate Leslie with their guest Professor Gareth Ackland Clinical Professor of Perioperative Medicine at the William Harvey Research Institute, Barts and The London School of Medicine and Dentistry, Queen Mary University of London (QMUL). The conversation delves into the autonomic nervous system's role in exercise capacity and its implications for postoperative outcomes. Why specifically does exercise help? Professor Ackland explains groundbreaking work involving neural control, genetic modifications, and translational models, shedding light on how parasympathetic function affects fitness and recovery from surgery. The conversation underscores the importance of personalized medicine and mechanistic research in understanding human physiology and improving clinical practices. It also explains why anaesthesia journals publish high quality translational studies as well as clinical research.

On the latest Under Pressure Podcast, Darth hosts Hamzah and the returning Dr Barts to review the goalless draw at Arsenal with a key focus on: Conor Bradley's injury diagnosis, Bradley Fulham/Arsenal stats review Learn more about your ad choices. Visit podcastchoices.com/adchoices

On the latest Under Pressure Podcast, Darth hosts Hamzah and the returning Dr Barts to review the goalless draw at Arsenal, breaking down the key point: * Arsenal lineup and gameplan * Liverpool lineup and gameplan * Stats review: possession, XG, XT, EPV, Shots, Pressures, Monte Carlo Learn more about your ad choices. Visit podcastchoices.com/adchoices

On the latest Under Pressure Podcast, Darth hosts Hamzah and the returning Dr Barts to review the goalless draw at Arsenal: * Story of 2 halves * Why are Slot-Arteta games such low events? * Slot tactical tweaks * Wirtz in-depth discussion * Frimpong tactical analysis Learn more about your ad choices. Visit podcastchoices.com/adchoices

On the first recording of 2026 for @betches, Sami and Jordana dive into the Ashley Tisdale mom group saga, unpacking what was reported, what was denied, and what Hilary Duff's husband had to say about it. After, we arrive in St. Barts where Alix Earle and Tom Brady's may be hooking up, Bethenny Frankel is self-unaware of instagram presence, and why every celebrity yacht was stuck in the Caribbean. Finally, they drop their hot takes of what is in and out for 2026. Spoiler: Jordana is a big fan of millennial gray. Go to the Betches YouTube page to watch full length episodes every Friday: Youtube.com/@betchespod   Learn more about your ad choices. Visit megaphone.fm/adchoices

Pop Culture Thursday has Jared breaking down Ashley Tisdale opening up about toxic mom groups and why it hits home for millennial women. He also gets into Amy Schumer's Instagram post during her divorce and what it says about body image and fame. Plus, Cher weighs in on Kristen Bell and Dax Shepard, and why trips to St. Barts make celebrity drama even louder!Jared is on tour!

This week's Pop Three is packed. We're breaking down the Disney Channel mom drama nobody saw coming — including Ashley Tisdale, Hilary Duff, and a messy friend group fallout that has the internet spiraling. Then, we get into the viral Alix Earle and Tom Brady rumors out of St. Barts and whether this was just a New Year's Eve moment or something more. Plus, a deep dive into the Real Housewives of Salt Lake City finale, the Meredith Marks pile-on, reunion bombshells, and why this season left fans so divided. We wrap with final thoughts, Bravo chaos, and why The Traitors might be the best thing on TV right now. *Shop MPT Merch* ► https://shop.hurrdatmedia.com/collections/morgans-pop-talks *Listen to the podcast* ► https://hurrdatmedia.com/network/show/morgans-pop-talks/ *Join my Patreon* for exclusive minisodes each week! ► http://www.patreon.com/morganspoptalks for exclusive minisodes each week! *Subscribe to my weekly newsletter* for reminders, important links, and additional surprises! ► https://www.morganptalks.com/   *About Morgan's Pop Talks* Welcome to Morgan's Pop Talks – your weekly VIP pass into the world of reality TV and pop culture! I'm Morgan, your pop culture bestie, here to dish out all the drama, the twists, and the must-know headlines. Each week, we kick things off with The Pop 3, breaking down the top three stories you can't miss. Then, we dive headfirst into The Deep Dive, where we leave no stone unturned – think juicy timelines, episode breakdowns, and all the drama dissected. Plus, I've got exclusive interviews with your favorite reality stars from The Bachelor franchise, Bravo, Dancing with the Stars, and beyond! Whether you're here for the tea or just love the thrill of reality TV, Morgan's Pop Talks is your new go-to!   GEAR WE USE TO MAKE PODCASTS: https://amzn.to/4dg7uZF SOFTWARE WE USE TO MAKE PODCASTS: https://hurrdatmedia.com/our-gear/   This is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or Hurrdat Media YouTube channel! Learn more about your ad choices. Visit megaphone.fm/adchoices

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This week, Juliet and Amanda kick off the new year with a packed episode. They begin with Timothée Chalamet's win at the Critics' Choice Awards alongside girlfriend Kylie Jenner (4:20), as well as his 30th birthday celebration (9:21). Next, they explain why Ashley Tisdale is making headlines after publishing an essay about leaving her mom group chat (12:00). Then, the two move on to updates about Leonardo DiCaprio, including how he got stuck in St. Barts and his specific Houston's order (23:58). Next, Este Haim gets married in Ojai (30:51), Kate Hudson hosts a NYE bonfire party in Aspen (37:43), and Dakota Johnson is spotted making out with Role Model, a.k.a. Tucker Pillsbury (41:05). Finally, the episode wraps up with a discussion of 'Emily in Paris' Season 6 (45:28) and, of course, some Feedback and Follow-Up (57:18). Hosts: Amanda Dobbins and Juliet LitmanProducers: Jade Whaley and Belle Roman Learn more about your ad choices. Visit podcastchoices.com/adchoices

Holiday break recaps (00:00-39:50). Timothée Chalamet & Kylie Jenner at the Critics Choice Awards + Club Chalamet gets close (41:03-55:34). Alix Earle & Tom Brady spend NYE together in St. Barts (55:35-1:14:07). Kelsea Ballerini & Chase Stokes announce they're back together (1:14:08-1:18:46). Zach Bryan marries Brianna clone (1:18:47-1:24:29). Joe Jonas & Tatiana Gabriela (1:24:30-1:27:11). Role Model & Dakota Johnson spotted out together (1:27:12-1:30:39). Kyle Richards & Mauricio spend NYE together in Aspen (1:30:40-1:32:32). Gorga & Giudice Christmas Eve reunion (1:32:33-1:37:17). Weekly Watch Report: Heated Rivalry, Marty Supreme, Eternity + more! (1:37:58-2:28:20). CITO LINKS > barstool.link/chicks-in-the-office.You can find every episode of this show on Apple Podcasts, Spotify or YouTube. Prime Members can listen ad-free on Amazon Music. For more, visit barstool.link/chicks-in-the-office

(SPOILER) Your Daily Roundup covers tonight's live re-watch on the Patreon, New Years Eve programming thoughts, a new A-list celebrity couple seen in St. Barts, & a re-boot of one my favorite classic shows coming to Disney + next month.    Music written by Jimmer Podrasky (B'Jingo Songs/Machia Music/Bug Music BMI) Learn more about your ad choices. Visit megaphone.fm/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

(SPOILER) Your Daily Roundup covers tonight's live re-watch on the Patreon, New Years Eve programming thoughts, a new A-list celebrity couple seen in St. Barts, & a re-boot of one my favorite classic shows coming to Disney + next month.    Music written by Jimmer Podrasky (B'Jingo Songs/Machia Music/Bug Music BMI) Learn more about your ad choices. Visit megaphone.fm/adchoices

On the latest Under Pressure podcast, Barts and Si both return, and Hamzah and Rhodesy analyse Spurs * LFC and Spurs lineups * stats review, possession, XG, XT, EPV, Shots, Pressures, Monte Carlo * Red card and subjective VAR calls update Learn more about your ad choices. Visit podcastchoices.com/adchoices

On the latest Under Pressure podcast, Barts and Si both return, and Hamzah and Rhodesy analyse Spurs * The Curtis Jones propaganda section * Green shoots of process?  CJ-Kerkez-Flo left side analysis Learn more about your ad choices. Visit podcastchoices.com/adchoices

On the latest Under Pressure podcast, Barts and Si both return, and Hamzah and Rhodesy analyse the significant injury to Alexander Isak and what the rehabilitation process could possibly look like! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Federal prosecutors have recently presented new evidence to a grand jury in the Southern District of New York as part of the ongoing investigation into Sean "Diddy" Combs. This evidence includes testimony from Courtney Burgess, a former associate of Combs' late ex-girlfriend, Kim Porter. Burgess claims to possess significant materials, such as video footage and what he asserts is Porter's authentic memoir, which he believes substantiate allegations against Combs. He testified that federal agents from the Department of Homeland Security contacted him, leading to his grand jury appearance and the submission of these materials to prosecutors.In addition to Burgess's testimony, investigators have interviewed approximately ten male escorts regarding Combs' infamous "Freak Off" parties. These individuals, now in their 40s, have reportedly provided detailed accounts of the events, including allegations of being supplied with drugs and coerced into participation. Authorities are examining whether participants, particularly minors, were illegally forced into activities during these gatherings. Recent raids on Combs' residences resulted in the seizure of numerous items, including sexual paraphernalia and videos, as part of the broader investigation into allegations of sex trafficking and related offenses.In our second article...Ty Stiklorius, John Legend's longtime manager, recently shared a harrowing experience from nearly three decades ago at a New Year's Eve party hosted by Sean "Diddy" Combs in St. Barts. In an op-ed for The New York Times, she recounted being led into a bedroom by an unidentified man who then locked the door behind them. Stiklorius managed to escape by convincing the man to let her go, citing concern that her brother was looking for her. At the time, she dismissed the incident as an isolated case of inappropriate behavior at a party. However, after two decades in the music industry, she now views it as indicative of a pervasive culture that fosters sexual misconduct and exploitation.Stiklorius emphasized that such incidents are not anomalies but reflect a broader issue within the music industry, where power is often concentrated in the hands of male gatekeepers who exploit aspiring artists. She called for a cultural shift to dismantle this toxic environment, advocating for accountability and support for survivors. Stiklorius expressed hope that the industry can evolve beyond its current model, which has historically protected predators and their enablers, to create a safer and more equitable space for all artists.to contact me:bobbycapucci@protonmail.comsource:Sean ‘Diddy' Combs: Grand jury hearing from witness who claims he has footage of Combs potentially victimizing celebrities | CNNsource:John Legend's manager escaped 'terrifying situation' at Sean 'Diddy' Combs party

This week, Undressed with Pol & Patrik gets raw, real, and radiant with the fabulous Guerdy Abraira — star of The Real Housewives of Miami, powerhouse event planner, breast cancer survivor, and author of the deeply personal new memoir Trauma to Trophies. From couture gowns to chemo, Guerdy opens up about her extraordinary journey of resilience, creativity, and reinvention. She joins Pol and Patrik for a candid conversation that's equal parts laughter, love, and life lessons — and yes, a little coffee reading magic too. ☕

RUNDOWN   Mitch opens Episode 361 barely able to speak. Area code 361, is a surprisingly stacked Corpus Christi résumé — from Farrah Fawcett's iconic poster-era fame to Eva Longoria, Lou Diamond Phillips, and Lynyrd Skynyrd's longtime keyboardist Billy Powell. The college football playoff drama continues, Notre Dame spent weeks ahead of Miami in the rankings only to get leapfrogged on a Saturday when neither team played — and then "boycott" bowl season in peak Irish fashion. From there they pivot to the Seahawks' 26–6 win in Atlanta, breaking down Sam Darnold's Jekyll-and-Hyde day (ugly first half, near-perfect second), Rashid Shaheed finally becoming a real factor in the passing game, and rookie safety Nick Emmanwori looking like a heat-seeking missile on an already elite defense. Rick breaks down a wild Selection Sunday, starting with the baffling late flip that dropped Notre Dame behind Miami despite neither team playing — a move he believes was driven more by ACC politics than football. He argues Alabama should've been penalized for an awful SEC title game showing, outlines why championship games now feel meaningless, and even says this version of Alabama "has no chance." Mitch, Brady, and Jacson break down Seattle's 37–9 dismantling of the Falcons, a performance highlighted by back-to-back games without allowing a touchdown and the defense's most dominant two-week stretch since 2014. Devin Witherspoon and Nick Emmanwori delivered superstar-level days while the returns of Julian Love and Jarran Reed stabilized the unit even further. On offense, Sam Darnold shook off a miserable first half and exploded for 182 yards and three touchdowns after halftime. Mitch brings Brady and Joe back together for the first Mariners No-Table since the season ended in Toronto, diving straight into Seattle's early offseason headline: the five-year, $92M Josh Naylor deal — a rare moment where the Mariners actually did what "everyone agrees they should do." The guys break down why the front office moved so fast, whether it was an overpay, and what it signals to the clubhouse and the league. From there, they examine the next dominoes (Polanco, bullpen additions, third base uncertainty), debate Cole Young's floor vs. ceiling, unpack the Harry Ford trade, and even entertain the dream-but-unlikely scenario of trading for Tarik Skubal.   GUESTS   Rick Neuheisel | CBS College Football Analyst, Former Head Coach & Rose Bowl Champion Brady Henderson | Seahawks Insider, ESPN Jacson Bevens | Writer, Cigar Thoughts Brady Farkas | Host, Refuse to Lose Podcast (Mariners on SI) Joe Doyle | MLB Draft & Mariners Analyst, OVer-Slot Substack   TABLE OF CONTENTS   0:00 | Mitch battles through a shredded voice, celebrates Corpus Christi's unexpected celebrity roster, and resets the stage for a massive week of Seahawks, CFP, and MLB offseason storylines. 9:10 | BEAT THE BOYS - Register at MitchUnfiltered.com 12:43 | Notre Dame gets ghosted by the committee, Miami sneaks in from the couch, and the Seahawks finally wake up in Atlanta behind Sam Darnold, Rashid Shaheed, and a filthy defense. 27:02 | GUEST: Rick Neuheisel; Committee chaos, Notre Dame's last-second flip, Alabama's free pass, and Rick's early read on who can actually win the 12-team playoff. 43:18 | GUEST: Seahawks No-Table; Another defensive clinic, a second straight touchdown-free game, and an offense that finally woke up when it mattered. 1:05:10 | GUEST: Mariners No-Table; Mariners lock up Josh Naylor, weigh Polanco's future, debate Cole Young's readiness, and navigate a pivotal offseason window. 1:32:50 | Other Stuff Segment: George Pickens vs Richard Sherman Instagram drama, early bowl games (LA Bowl timing), Washington State Cougars losing their coach to Iowa State, WSU coaching turnover history, Doug Gottlieb chair-throwing incident after UW-Green Bay loss, Hannes Steinbach breakout freshman season at Washington, UW basketball freshman class strength, comparing Steinbach to Dirk Nowitzki/Detlef Schrempf/Christian Welp, Utah Tech vs Santa Clara fight after poster dunk, anger over being posterized in the social-media era, Rancho Santa Fe mansion listed by Russell Wilson & Ciara for $54.9M, Liberace's historic LA home with piano-shaped pool for sale, Joey Chestnut wins 2025 wing-eating championship (242 wings in 10 minutes), Tyler Herro hit in groin by referee's errant pass, Seahawks vs Colts upcoming matchup, Huskies vs Boise State bowl game preview RIPs former NASCAR driver Michael Annett, former NBA big man Elden Campbell, former Texas Rangers and Dallas Stars owner Tom Hicks HEADLINES man swallows stolen jeweled Fabergé-style egg and passes it naturally, Paris Hilton seen vacationing in St. Barts, Canadian geese attack Texas woman causing broken pelvis and internal bleeding, China ends condom tax exemption and adds fortunes inside wrappers

On the latest episode of the Under Pressure Podcast, Dan is joined this week by Si, Dr Barts & Hamza to analyse Liverpool's areas of weakness and, most importantly, improvements following the end of the international break this week! Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this Parenting Is a Joke snack episode, Ophira Eisenberg chats again with Kate Auletta, Editor-in-Chief of Scary Mommy and Romper, about her years as a journalist and the surprising turns that led her from travel writing to parenting media. Kate recalls running HuffPost's “How to Raise a Kid” conference in 2017—pulling together experts to talk about money, race, sex, and digital literacy right as the Trump era began—and how it felt like a bright moment of optimism and connection before online discourse hardened. She and Ophira laugh about trolls who argue over sunscreen recipes and how parenting pieces, no matter how harmless, seem to ignite fury. Kate shares that her most viral post, written during the early pandemic, was simply a plea for parents to “give yourself grace,” while health content still draws the fiercest backlash. The conversation shifts to travel—her love for St. Barts (despite how un–kid-friendly it proved), the Costa Rican jungle cot that scarred her for life, and a vomit-filled night at a roadside hotel near the Basketball Hall of Fame. She swears by headphone adapters as her most vital travel gear, while her husband lugs an entire backpack of snacks. The episode ends, fittingly, with her dog Franklin barking in the background, signaling that even editors-in-chief can't escape the soundscape of parenting.

01. Sofiya Nzau, Madism & Robert Miles - Hutia (Extended Mix) 02. Tollef & Feenixpawl - Starburst (Extended Mix) 03. Sigala, Leigh-Anne & Jonita Gandhi - Hello (Extended) 04. Plastik Funk & Younotus - In The Middle (Extended Mix) 05. Bob Sinclar feat. NYV - Drama On The Dancefloor (Extended Mix) 06. Block & Crown - Mr DJ Give Me More (Extended Mix) 07. NARI - Shake It to the Max (Extended Mix) 08. Kate Linn, Fantomel - Dame Un Grrr (Provi Remix) 09. Tujamo & RELOVA - Jump into the Bag (Extended Mix) 10. Merk & Kremont - Disco Robot (Extended Mix) 11. Sonny Bass - The Beat Bangs (Extended Mix) 12. 22Bullets - Dope (Extended Mix) 13. BARTS x Dave Winnel x Alex Hosking - Don't Care Much (Extended Mix) 14. R3HAB & Skytech & Pupa Nas T & Kevin McKay - Work (Extended Mix) 15. Vintage Culture & Doozie feat. Lauren Nicole - Get Naughty (Extended Mix) 16. Martin Schicchi - Verao (Extended Mix) 17. Hackatone - Right Here, Right Now (Extended) 18. Tujamo x MORTEN - Hey Mister Drill (Jake Dile x DJ Baur ADE Edit) 19. Laurent Simeca - Waiting For (Extended Mix) 20. Dannic & Kiyoto - Back To Life (Extended Mix) 21. ATB & Shaun Farrugia - Believe In Love (Extended Mix) 22. Alle Farben & Cheat Codes, JOSEPH - Loving You Is Life (Extended Mix)

Airbnb's shifting fee structure is shaking hosts, but the real issue goes deeper—pricing psychology, guest behavior, and knowing your market.In this episode, Thibault shares actionable strategies that hosts can use to protect margins, win more bookings, and scale smarter.• Why Airbnb's new fee model has hosts freaking out• How to price for what guests see (not what you keep)• Tools like PriceLabs—and why they're useless without context• How European vs. U.S. guests think about fees differently• When to simplify pricing and present “one clean price”• The principles of occupancy, demand, and market alignment00:05:12 – 3 Pricing Foundations Every Host Must Know00:07:02 – Why Hosts Are Freaking Out About Airbnb Fees00:08:22 – The Real Reason Airbnb Changed Its Fees00:09:15 – The Only Price That Matters to Guests00:10:24 – Why “One Clean Price” Converts Better00:11:50 – Airbnb vs. Vrbo vs. Booking.com Costs Compared00:12:09 – How Airbnb Went From Host-Friendly to Guest-First00:24:50 – Are More Bookings Always Better?00:25:04 – AI + Pricing Strategy: Where the Future Is Headed00:25:22 – Who Owns Mistakes—You or the Machine?Guest Bio:Thibault Masson is the Head of Product Marketing at PriceLabs. His short-term rental journey started as a villa owner in Bali and St. Barts, which gave him firsthand insight into the opportunities and challenges of hosting. That passion for hospitality later brought him to Booking.com, where he worked on vacation rental strategy at a global scale, and inspired him to launch Rental Scale-Up as a platform for industry knowledge-sharing. Today at PriceLabs, Thibault brings together his experience as a host, tech marketer, and industry advocate to help property managers worldwide grow through smarter pricing and revenue management.Guest Link:https://www.linkedin.com/in/thibaultmassonGet FREE Access to our Community and Weekly Trainings:http://group.strsecrets.com/

Russillo gives a day-by-day account of his solo trip to St. Barts. Check us out on YouTube for exclusive clips, livestreams, and more at https://www.youtube.com/@RyenRussilloPodcast. The Ringer is committed to responsible gaming. Please visit www.rg-help.com to learn more about the resources and helplines available. Host: Ryen Russillo Producers: Steve Ceruti, Kyle Crichton, Mike Wargon, and Jonathan Frias Learn more about your ad choices. Visit podcastchoices.com/adchoices

On this episode, Richard Whillet unravels a deep web of connections stretching from Epstein's DNA experiments with George Church to the hidden agendas behind Palantir's role in the LA Riots and its $30M ICE contract. They dig into Epstein's mysterious New Mexico Zorro Ranch, rumored ties to Dulce Base, Trementina vaults, and Los Alamos. The conversation spirals into occult territory with the homunculus myths of Rosemary's Baby and Crowley's Moonchild, before surfacing in the elite playgrounds of St. Barts and St. Thomas—linking Epstein, Diddy, and Mike Jeffries. Finally, they dive into the powerful nexus of Chabad Lubavitch, Trump, Putin, and Netanyahu—and their vision for the “World to Come” (Olam Haba) Please subscribe to the new Tin Foil Hat youtube channel:  https://www.youtube.com/@TinFoilHatYoutube Check out Sam Tripoli new crowd work special "Black Crack Robots" now for free. https://youtu.be/_FKugOeYaLc Check out Sam Tripoli's 2nd New Crowd Work Special “Potty Mouth” on YouTube for free. https://www.youtube.com/watch?v=22j3Ds5ArjM Grab your copy of the 2nd issue of the Chaos Twins now and join the Army Of Chaos: https://bit.ly/415fDfY Check out Sam "DoomScrollin with Sam Tripoli and Midnight Mike" Every Tuesday At 4pm pst on Youtube, X Twitter, Rumble and Rokfin! Join the WolfPack at Wise Wolf Gold and Silver and start hedging your financial position by investing in precious metals now!  Go to samtripoli.gold and use the promo code "TinFoil" and we thank Tony for supporting our show. LiveLongerFormula.com: Check out LiveLongerFormula.com/sam — Christian is a longevity author and functional health expert who helps you fix your gut, detox, boost testosterone, and sleep better so you can thrive, not just survive. Watch his free masterclass on the 7 Deadly Health Fads, and if it clicks, book a free Metabolic Function Assessment to get to the root of your health issues. CopyMyCrypto.com: The ‘Copy my Crypto' membership site shows you the coins that the youtuber ‘James McMahon' personally holds - and allows you to copy him. So if you'd like to join the 1300 members who copy James, then stop what you're doing and head over to: CopyMyCrypto.com/TFH You'll not only find proof of everything I've said - but my listeners get full access for just $1  Want to see Sam Tripoli live?  Get tickets at SamTripoli.com: San Diego:  Sam Tripoli and Tin Foil Hat Comedy Live July 17th-19th https://americancomedyco.com/collections/sam-tripoli-live-july-17-19   Boston, MA:  Tin Foil Hat Comedy Night Headlines Nick's Comedy Stop  August 1st https://www.nickscomedystop.com/event-details/special-event-tin-foil-hat-comedy-with-sam-tripoli-and-eddie-bravo-live   Broadbrook Ct: Tin Foil Hat Comedy and Swarm Tank at 8pm on August 2nd https://broadbrookoperahouse.thundertix.com/events/246069   Please check out Richard Willet's internet: Website: https://www.ickonic.com Twitter: https://x.com/WTAFRich Substack: https://substack.com/@richardwillett   Please check out Sam Tripoli's internet: Linktree: https://linktr.ee/samtripoli Please Follow Sam Tripoli's Stand Up Youtube Page: https://www.youtube.com/@SamTripoliComedy Please Follow Sam Tripoli's Comedy Instagram:  https://www.instagram.com/samtripolicomedy/ Please Follow Sam Tripoli's Podcast Clip Instagram: https://www.instagram.com/samtripolispodcastclips/   Thank you to our sponsors:  True Werk: TRUEWERK is hell-bent on creating the most technical, high-performance workwear in the world. The TRUEWERK story begins in the Colorado mountains where a trade worker knew there had to be a better solution than the wet, heavy gear that was weighing him down.  Check out the full lineup and get 15 percent off your first order at TRUEWERK.com/tinfoil. Blue Chew: Make life easier by getting harder and discover your options at BlueChew.com! And we've got a special deal for our listeners: Try your first month of BlueChew FREE when you use promo code TINFOIL -- just pay $5 shipping. That's promo code TINFOIL. Visit BlueChew.com for more details and important safety information, and we thank BlueChew forsponsoring the podcast.