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The S&P 500 is up about 10.2% this year. That average is hiding one of the most lopsided markets in a decade: energy up 28%, communication services negative, and the Magnificent Seven — the stocks that carried the market for three years — collectively underwater.In this week's Money On Tap, Ben Brayshaw and Dan Michelon go beyond the index, sector by sector. They walk the 2026 scoreboard — energy +28.1%, technology +26.8%, industrials +16%, with a 30-point gap between the top and bottom sectors — and unpack the year's most important story: the broadening of the market, with 46.3% of S&P companies now beating the index itself, up from 30.5% last year. Then the mechanics most investors never see: why seven stocks absorb a third of every dollar in a standard S&P fund, why the SPY and QQQ share 8–9 of their top 10 holdings, and why your "diversified" ETFs may be the same bundle of stocks in different wrappers. They close with the Fed's looming rate decision — hike odds jumped from 26% to 73% in one month — and the five durable themes they're watching for the second half.What you'll learn:The 2026 sector scoreboard: all 11 sectors ranked, from energy's +28.1% to communication services' −3.1%The broadening of the index: why 46.3% of S&P companies are beating the index — a decade-plus firstWhy the Mag Seven flipped from engine to anchor (Microsoft down 20%+), and what the index looks like without themThe ETF overlap trap: cap weighting, 35–55% in the top 10, and wrappers around the same stocksWhat a Fed rate hike would do to sector leadership — winners and losers under both scenariosBuffett's warning: "a church with a casino attached," and why down doesn't mean cheapThe dials for outperforming: sector weighting, security selection, valuation discipline, income, cash, and tax managementTaking gains on purpose: the sequence-of-returns lesson in 2026's −4.3% Q1 and +15.2% Q2Five second-half themes: electrification, defense, nuclear renaissance, the aging population, and the infrastructure rebuildPlus Money In The News:73% odds of a Fed rate hike by September — up from 26% just a month earlier — and the two culprits behind itWarren Buffett: it's tough to find value "when everybody is preferring gambling"Blockbuster stock sales — SpaceX's record $75B IPO, Alphabet's $85B raise, SK Hynix ADRs — and whether $500B of new equity can overwhelm the bull marketRead the companion blog: https://www.brayshawfinancial.com/blogSchedule a free consultation: https://app.greminders.com/t/9f3ce72e/initialconsultaBrowse the full Money On Tap library: https://www.brayshawfinancial.com/money-on-tapContact UsPhone: 855-226-8551Email: info@yourmoneyontap.comOffice: 116 South River Road, Bedford, NH 03110Web: brayshawfinancial.comSecurities and advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. All other services offered through Brayshaw Financial Group, LLC are independent of Osaic Wealth, Inc. Index and sector performance figures are as of the air date and subject to change. Past performance is not a guarantee of future results.If the S&P 500 is up 10%, why isn't my portfolio?Because the S&P 500 is cap-weighted: seven stocks absorb about a third of every dollar, and the top 10 holdings make up 35–55% of most S&P funds. In 2026 those mega-caps lagged — the Mag Seven are collectively negative — while sectors like energy (+28.1%) and technology (+26.8%) led. If your ETFs overlap in the same top names, you own the laggards several times over. The fix starts with knowing what you actually own.
Steve and the crew are joined by Blaze Media editor in chief Christopher Bedford for the Deace Group roundtable to discuss the legacy of the late Senator Lindsey Graham. The panel also discusses the renaissance the late Richard Nixon has enjoyed in recent years. Hour Two is Feedback Friday. TODAY'S SPONSORS: PATRIOT MOBILE: https://patriotmobile.com/STEVE or call 972-PATRIOT for your FREE MONTH of service Learn more about your ad choices. Visit megaphone.fm/adchoices
Andy Burnham will be our next Prime Minister. But is theremoney for his rail promises?The Railways Bill starts its passage through the Lords – andRichard is underwhelmed!And Eurostar is said to have changed its new train order tobe able to cope with 55oC Heatwaves in future!In this episode:(00:00) Intro(03:00) Andy Burnham's rail promises(09:55) Demystifying Fiscal Rules(30:00) The Railways Bill 2nd reading(39:46) Railway News round-up(39:50) Bedford train crash update(40:51) Fires on the network(43:53) Northern Trains to lease 350/2s(45:00) Europhoenix Rail rises again(46:32) Balgray station to open early(47:26) Jude Bellingham station supports England(48:39) AI misidentifies snake as track defect(49:55) Eurostar specifies trains to cope with 50C(53:04) Thanks to supporters(54:16) Heritage Railway News round-up(54:21) Cholsey & Wallingford Railway closure(54:56) Vale of Rheidol ‘Collection X' news(57:20) The Quiz(59:55) Hest Bank signal box becomes classroomCredits: Thumbnail image of Andy Burnham - andyformayor.co.ukMembership: If you want to see even more from Green Signals, including exclusive content, become a member and support the channel further too.YouTube -https://www.youtube.com/@GreenSignals/joinPatreon -https://www.patreon.com/GreenSignalsGreen Signals: Website -http://www.greensignals.orgMerchandise - http://greensignals.etsy.comNewsletter -http://www.greensignals.org/#mailing-listFollow: X (Twitter) -https://twitter.com/greensignallers LinkedIn -https://www.linkedin.com/company/green-signals-productions-ltdImportant notes:Green Signals Productions Limited was commissioned to produce the Alpine Belle film by Belle Trains Limited. Our tickets and expenses were paid for by them.Notwithstanding that, the opinions expressed by us in the film are our own. You can view our legal disclaimer, copyright information and privacy policy here - https://www.greensignals.org/legal/
The winners of one of summer's hottest shows, “Love Island USA”, Trinity Tatum and Bryce Dettloff have their first official interview since leaving the villa. Also, actors Lupita Nyong'o and Jon Bernthal are fresh from the New York premiere of “The Odyssey”, they'll discuss the upcoming film. Plus, Martha Stewart brings a sampling of menu items from her restaurant The Bedford including a short rib-blend burger, a tasty chopped salad, and a delicious cocktail. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
In this episode I review Martha Stewart's The Bedford at the Paris hotel and give a little insight why celebrities are hard to find in Las Vegas. Instagram: @conciergeconfidential_lv, @Brian_Ortega26 TikTok: @keystovegas
Morse code transcription: vvv vvv Bedford train crash driver died from brain and chest injuries Wildfires burn across UK as fire chiefs warn of extreme pressure Government failing Farage over security, says Jenrick Scott Mills was highest paid BBC star before sacking, annual report shows Wife of man nearly sucked out of Ryanair plane speaks of ordeal BBC documentary found spycams secretly filming women online PPE failures left NHS staff poorly protected and wasted billions, Covid inquiry finds Australian police reveal previously unseen photos 25 years after Falconio murder Police continue to question suspect over Ann Widdecombe murder Seaton Carew sea death father named locally as Wayne Taylor
Morse code transcription: vvv vvv Seaton Carew sea death father named locally as Wayne Taylor Bedford train crash driver died from brain and chest injuries Police continue to question suspect over Ann Widdecombe murder Australian police reveal previously unseen photos 25 years after Falconio murder PPE failures left NHS staff poorly protected and wasted billions, Covid inquiry finds Scott Mills was highest paid BBC star before sacking, annual report shows Government failing Farage over security, says Jenrick Wife of man nearly sucked out of Ryanair plane speaks of ordeal Wildfires burn across UK as fire chiefs warn of extreme pressure BBC documentary found spycams secretly filming women online
Morse code transcription: vvv vvv Wife of man nearly sucked out of Ryanair plane speaks of ordeal Government failing Farage over security, says Jenrick Seaton Carew sea death father named locally as Wayne Taylor BBC documentary found spycams secretly filming women online Bedford train crash driver died from brain and chest injuries Australian police reveal previously unseen photos 25 years after Falconio murder Wildfires burn across UK as fire chiefs warn of extreme pressure Scott Mills was highest paid BBC star before sacking, annual report shows PPE failures left NHS staff poorly protected and wasted billions, Covid inquiry finds Police continue to question suspect over Ann Widdecombe murder
Orange County Commissioner Sally Greene spoke with 97.9 The Hill's Andrew Stuckey on Wednesday, July 16, discussing county news and events. She recapped the board's July 9th meeting, which was their first since the passing of active commissioner Jamezetta Bedford. She discussed Bedford's legacy and how she was remembered at the meeting. She also talked about some proposed changes to the county's Longtime Homeowner's Assistance Fund, the upcoming schedule for the commissioners, and more. The post Orange County: July Meeting Honoring Jamezetta Bedford, Changes to to Longtime Homeowners Program appeared first on Chapelboro.com.
Morse code transcription: vvv vvv Australian police reveal previously unseen photos 25 years after Falconio murder Government failing Farage over security, says Jenrick PPE failures left NHS staff poorly protected and wasted billions, Covid inquiry finds Seaton Carew sea death father named locally as Wayne Taylor Bedford train crash driver died from brain and chest injuries BBC documentary found spycams secretly filming women online Wildfires burn across UK as fire chiefs warn of extreme pressure Wife of man nearly sucked out of Ryanair plane speaks of ordeal Scott Mills was highest paid BBC star before sacking, annual report shows Police continue to question suspect over Ann Widdecombe murder
Vision Sunday // Rachel Bedford by Greyfriars Church
W obchodzonym 11. lipca Narodowym Dniu Pamięci o Polakach – Ofiarach Ludobójstwa dokonanego przez OUN i UPA na ziemiach wschodnich II Rzeczypospolitej Polskiej, w całej Polsce uczczono pamięć zamordowanych Polaków; Polska odbiera pierwszą energię z wiatru na Bałtyku - do nowo wybudowanej stacji elektroenergetycznej Choczewo w Osiekach Lęborskich na Pomorzu doprowadzono moc z pierwszej polskiej morskiej farmy wiatrowej Baltic Power; działalność SALONiku w Darmstadt, czyli kulturalna misja polonijna w zachodnich Niemczech; a gość PRdZ to Agnieszka Zuzanna Derleta, dyrektorka Departamentu Języka Polskiego w szkole w Bedford w Wielkiej Brytanii, założycielka i prezeska fundacji The Polish Language and Culture Association, a także koordynatorką projektów edukacyjnych i nauczycielką języka polskiego. Zapraszamy do słuchania!
Morse code transcription: vvv vvv Footballs best bromance Bellingham and Haaland break the mould Man arrested as part of murder investigation into death of Ann Widdecombe Prince Harry, Meghan and children Archie and Lilibet visit King Charles and Queen Camilla Chris Mason on Widdecombe Pugnacious, charismatic and she always answered the question Bedford triple murder suspect arrested by South African police Newspaper headlines Widdecombe murder inquiry and Strike Norse Ann Widdecombe murder probe What we know so far Sam Fender and Olivia Dean make chart history with Rein Me In Meet the crypto billionaires building a world where money buys you a vote Uragasaurus kalasinensis New dinosaur discovered in Thailand
Morse code transcription: vvv vvv Footballs best bromance Bellingham and Haaland break the mould Chris Mason on Widdecombe Pugnacious, charismatic and she always answered the question Uragasaurus kalasinensis New dinosaur discovered in Thailand Man arrested as part of murder investigation into death of Ann Widdecombe Newspaper headlines Widdecombe murder inquiry and Strike Norse Prince Harry, Meghan and children Archie and Lilibet visit King Charles and Queen Camilla Ann Widdecombe murder probe What we know so far Meet the crypto billionaires building a world where money buys you a vote Bedford triple murder suspect arrested by South African police Sam Fender and Olivia Dean make chart history with Rein Me In
Morse code transcription: vvv vvv Meet the crypto billionaires building a world where money buys you a vote Uragasaurus kalasinensis New dinosaur discovered in Thailand Bedford triple murder suspect arrested by South African police Man arrested as part of murder investigation into death of Ann Widdecombe Ann Widdecombe murder probe What we know so far Prince Harry, Meghan and children Archie and Lilibet visit King Charles and Queen Camilla Chris Mason on Widdecombe Pugnacious, charismatic and she always answered the question Footballs best bromance Bellingham and Haaland break the mould Newspaper headlines Widdecombe murder inquiry and Strike Norse Sam Fender and Olivia Dean make chart history with Rein Me In
Morse code transcription: vvv vvv Uragasaurus kalasinensis New dinosaur discovered in Thailand Chris Mason on Widdecombe Pugnacious, charismatic and she always answered the question Man arrested as part of murder investigation into death of Ann Widdecombe Bedford triple murder suspect arrested by South African police Meet the crypto billionaires building a world where money buys you a vote Footballs best bromance Bellingham and Haaland break the mould Sam Fender and Olivia Dean make chart history with Rein Me In Ann Widdecombe murder probe What we know so far Newspaper headlines Widdecombe murder inquiry and Strike Norse Prince Harry, Meghan and children Archie and Lilibet visit King Charles and Queen Camilla
Morse code transcription: vvv vvv Tehran launches more strikes after explosions reported in southern Iran Meghan will not appear at public events during Harry UK trip Most popular baby names for boys and girls in 2025 revealed Greek F 16 fighter jet crash lands at busy Zakynthos airport Bonnie Tyler Heartbroken Catherine Zeta Jones leads tributes to Total Eclipse of the Heart star Restore Britain leader describes Dunblane tragedy as one murder Ukrainian agent accused of murdering Monaco bomb suspect changes story Andy Burnham on path to No 10 with Labour nominations under way No UK contact about Bedford murder suspect, say Zimbabwe police Ukraine strikes Russian ships near Crimea, escalating attacks on fuel supplies
Morse code transcription: vvv vvv Restore Britain leader describes Dunblane tragedy as one murder Andy Burnham on path to No 10 with Labour nominations under way Ukraine strikes Russian ships near Crimea, escalating attacks on fuel supplies Greek F 16 fighter jet crash lands at busy Zakynthos airport Ukrainian agent accused of murdering Monaco bomb suspect changes story Tehran launches more strikes after explosions reported in southern Iran Bonnie Tyler Heartbroken Catherine Zeta Jones leads tributes to Total Eclipse of the Heart star Most popular baby names for boys and girls in 2025 revealed Meghan will not appear at public events during Harry UK trip No UK contact about Bedford murder suspect, say Zimbabwe police
Morse code transcription: vvv vvv Restore Britain leader describes Dunblane tragedy as one murder Meghan will not appear at public events during Harry UK trip Tehran launches more strikes after explosions reported in southern Iran Most popular baby names for boys and girls in 2025 revealed Bonnie Tyler Heartbroken Catherine Zeta Jones leads tributes to Total Eclipse of the Heart star Greek F 16 fighter jet crash lands at busy Zakynthos airport Andy Burnham on path to No 10 with Labour nominations under way Ukrainian agent accused of murdering Monaco bomb suspect changes story No UK contact about Bedford murder suspect, say Zimbabwe police Ukraine strikes Russian ships near Crimea, escalating attacks on fuel supplies
Morse code transcription: vvv vvv Andy Burnham on path to No 10 with Labour nominations under way Most popular baby names for boys and girls in 2025 revealed Ukraine strikes Russian ships near Crimea, escalating attacks on fuel supplies Meghan will not appear at public events during Harry UK trip No UK contact about Bedford murder suspect, say Zimbabwe police Greek F 16 fighter jet crash lands at busy Zakynthos airport Tehran launches more strikes after explosions reported in southern Iran Ukrainian agent accused of murdering Monaco bomb suspect changes story Bonnie Tyler Heartbroken Catherine Zeta Jones leads tributes to Total Eclipse of the Heart star Restore Britain leader describes Dunblane tragedy as one murder
A new study says the average retired couple needs $1.16 million to retire comfortably. Scary headline — until you do the math. Because retirement was never about reaching a number. It's about the paycheck that number can produce.In this week's Money On Tap, Ben Brayshaw and Dan Michelon take the "magic number" apart piece by piece. They trace where $1.16 million actually comes from — $84,000 in average spending, $37,700 in Social Security, and a 4% withdrawal covering the gap — then show what the headline can't see: sequence of returns risk, the tax code, health events, and the market's habit of dropping 25–30% when you can least afford it. The centerpiece is a tale of three couples: Couple A with $1.8 million and no guaranteed income beyond Social Security, Couple B with $950,000 and a teacher's pension, and Couple C with $900,000 who built their own pension with an annuity — and ended up more secure than the couple with twice the money.What you'll learn:Where the $1.16 million figure really comes from — and why the study converts it to income immediatelyWhy the race-to-a-number mindset is programmed into us, and why it fails in retirementThe tax reality: 12% vs. 22% brackets, Social Security taxation, RMDs at 73, Medicare's hidden 3–5% "tax," and climbing capital gains ratesThe bucket strategy: cash for years 0–3, buffered strategies and dividends for 3–7, growth for 7+Why 1% of inefficiency on a 4% drawdown is really 25% of your incomeCouple A vs. B vs. C: how guaranteed income beats a bigger portfolioThe timing trap: why buying the annuity after the crash locks in the lossRewriting the 4% rule with 5–7% joint lifetime annuity payoutsPlus Money In The News:SpaceX goes public: Wall Street's sky-high price targets, the trillion-dollar valuation, and why investors stay cautiousTrump floats an Australian-style retirement system with 12% employer contributionsThe IRA saver's match arriving in 2027: who qualifies, and why the income limits are so tightRead the companion blog: https://www.brayshawfinancial.com/blogSchedule a free consultation: https://app.greminders.com/t/9f3ce72e/initialconsultaBrowse the full Money On Tap library: https://www.brayshawfinancial.com/money-on-tapContact UsPhone: 855-226-8551Email: info@yourmoneyontap.comOffice: 116 South River Road, Bedford, NH 03110Web: brayshawfinancial.comSecurities and advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. All other services offered through Brayshaw Financial Group, LLC are independent of Osaic Wealth, Inc. Annuity guarantees are subject to the claims-paying ability of the issuing insurance company.If the S&P 500 is up 10%, why isn't my portfolio?Because the S&P 500 is cap-weighted: seven stocks absorb about a third of every dollar, and the top 10 holdings make up 35–55% of most S&P funds. In 2026 those mega-caps lagged — the Mag Seven are collectively negative — while sectors like energy (+28.1%) and technology (+26.8%) led. If your ETFs overlap in the same top names, you own the laggards several times over. The fix starts with knowing what you actually own.
Send us Fan MailSome conversations don't just give you information—they change the way you see yourself.In this deeply moving episode of Self Reflection Podcast, Lira sits down with behavioral strategist, author, and speaker D.B. Bedford for a conversation that every person—especially every young Black man and woman—needs to hear.Growing up in one of America's most dangerous cities, D.B. witnessed firsthand how unhealed emotions, generational trauma, and unresolved conflict can shape lives, families, and entire communities. Rather than allowing his circumstances to define him, he transformed his lived experiences into a mission: helping people master their emotions before their emotions master them.Together, Lira and D.B. explore the life-changing power of self-awareness, emotional intelligence, and what D.B. calls Civility Intelligence—the ability to remain grounded, respectful, and intentional even in life's most emotionally charged moments.This episode dives into:Why your beliefs, values, and past experiences quietly control your decisions.The hidden behaviors of disrespect that damage relationships without us realizing it.How gossip, dismissiveness, and emotional reactivity slowly erode individuals, families, and workplaces.The four behavioral communication styles that shape how we connect with others.The importance of understanding yourself before trying to understand anyone else.Why healing begins with self-reflection—and why your greatest strength may be your ability to pause instead of react.Beyond the practical tools and powerful frameworks, this conversation is ultimately about hope.It's about believing that no matter where you come from, your past does not have to determine your future.It's about choosing growth over survival.Grace over reaction.Purpose over pain.And perhaps most importantly, it's about embracing one simple but profound truth:You are enough.Whether you're navigating difficult relationships, trying to become a better leader, raising children, healing from past experiences, or simply striving to become a more emotionally healthy version of yourself, this episode will challenge you to slow down, reflect deeply, and lead your life with greater intention.Because sometimes the greatest transformation doesn't begin with changing the world.It begins with changing the conversation happening inside yourself.Take a deep breath, lean in, and join us for one of the most thought-provoking conversations we've ever had.Your next breakthrough may begin with this reflection.Support the showCall to Action: Engage with the Self-Reflection Podcast community! Like, follow, and subscribe on Spotify, Apple Podcasts, YouTube (Self-Reflection Podcast by Lira Ndifon), and all major podcast platforms. Share your insights and feedback—we value your contributions! Suggest topics you'd like us to explore. Your support amplifies our reach, sharing these vital messages of self-love and empowerment. Until our next conversation, prioritize self-care and embrace your journey.Grab your copy of "Awaken Your True Self" on Amazon. Until next time, be kind to yourself and keep reflecting.
Only 20–30% of the AI data centers planned through 2030 are built today. The other 70–80% — the cement, the cooling, the chips, the memory, the power — are still coming. And the companies collecting the profits from that build-out are mostly names the mainstream isn't talking about.In this week's Money On Tap, Ben Brayshaw and Dan Michelon go beyond the Mag Seven and into the hidden companies powering the AI revolution. They trace how the AI trade rotated from the companies spending the money to the companies receiving it — the second-wave winners like Micron, SanDisk, Vertiv, Marvell, and Broadcom — and why Taiwan Semiconductor may be the king of the whole story. Then they go layer by layer through what's still ahead: electrical infrastructure, utilities and nuclear power, engineering, construction materials, and data center REITs.What you'll learn:Why only 20–30% of planned AI data centers exist — and what that means for the next decade of demandThe rotation out of the Mag Seven: from speculation and hope to follow-the-moneyThe AI stack, layer by layer: chips, memory (Micron), storage (SanDisk), cooling (Vertiv), networking (Marvell, Broadcom)Why Taiwan Semiconductor is the company nearly every AI player depends onThe risks worth respecting: valuation, capex pullbacks, competition, interest rates, and tariffsThe layers still to come: electrical, power and grid, engineering, materials, machinery, and data center REITsWhy high conviction — knowing why you own what you own — beats chasing every headlinePlus Money In The News:Trump Accounts for kids launch July 4: $1,000 at birth, up to $5,000 a year — and the math that could reach seven figures by retirementWhich financial stocks actually benefit when interest rates stay highTrump's rare earth agenda hits a milestone as the U.S. Army moves to break China's grip on defense metalsRead the companion blog: https://www.brayshawfinancial.com/blogSchedule a free consultation: https://app.greminders.com/t/9f3ce72e/initialconsultaBrowse the full Money On Tap library: https://www.brayshawfinancial.com/money-on-tapContact UsPhone: 855-226-8551Email: info@yourmoneyontap.comOffice: 116 South River Road, Bedford, NH 03110Web: brayshawfinancial.comSecurities and advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. All other services offered through Brayshaw Financial Group, LLC are independent of Osaic Wealth, Inc.If the S&P 500 is up 10%, why isn't my portfolio?Because the S&P 500 is cap-weighted: seven stocks absorb about a third of every dollar, and the top 10 holdings make up 35–55% of most S&P funds. In 2026 those mega-caps lagged — the Mag Seven are collectively negative — while sectors like energy (+28.1%) and technology (+26.8%) led. If your ETFs overlap in the same top names, you own the laggards several times over. The fix starts with knowing what you actually own.
In this episode of Life Liberty Happiness, Bryan Schley and Emma Miller kick things off by recapping their weekends, including Bryan's camping trip to a NASCAR race and Emma's experience at the Morgan Wallen concert.The discussion turns to sports with the latest from the FIFA World Cup, NASCAR, and recent NBA trades. They also weigh in on current events and political headlines making news across the country.The episode celebrates Trent becoming a grandfather, welcomes Carolina Kevin for NASCAR picks, and, of course, it wouldn't be Life Liberty Happiness without a Mount Rushmore. This week, the debate centers on the Mount Rushmore of Cartoon Characters, followed by viral TikTok finds and upcoming holiday plans.From sports and current events to pop culture and everyday life, Life Liberty Happiness delivers another engaging episode from Bedford, Virginia.
Beau Bedford is a Dallas-based producer, multi-instrumentalist, and songwriter who has become a central figure in the modern Texas roots and Americana scene. He got his start playing in Jonathan Tyler's Northern Lights before founding The Texas Gentlemen, a rotating collective of Dallas players he originally assembled as an all-purpose backing band for singer-songwriters like Leon Bridges and Nikki Lane. Bedford led the group for roughly eight years — recording their 2017 debut TX Jelly at the legendary FAME Studios in Muscle Shoals before stepping away in 2019 to focus on producing. Today he's co-owner and chief engineer at Modern Electric Sound Recorders in Dallas and a member of the Texas based band Chaparelle.Beau is closely associated with Paul Cauthen, having produced Cauthen's debut My Gospel and the Have Mercy EP, along with co-writing several of his songs. His broader credits include Orville Peck (Spotify Singles), Amigo the Devil (Born Against), Wyatt Flores (Welcome to the Plains), and Tanner Usrey.Beau Bedford: Instagram l Website l SpotifyEnjoy The Jarrod Morris Vibe? Please leave us a review on Apple & SpotifyThe Jarrod Morris Vibe Links:Patreon | TikTok | Instagram | Facebook
Rabbi Yosef Minkowitz is the dean of Academie Beis Rivka in Montreal, Canada.In this episode, he shares his memories growing up in Paris in the years following World War II before moving with his family to Brooklyn, NY where he studied in the famous Bedford and Dean yeshiva and then 770.He talks about being part of the first group of bochurim sent as shluchim to the Yeshiva Gedolah in Melbourne, Australia, and what it was like to be a Lubavitch bochur in the 1960s.____Support this podcast at: https://www.hflpodcast.com/donateIf you would like to sponsor an episode or advertise on the podcast please reach out to: bentzi@yuvlamedia.com____Homesick for Lubavitch is a project of Yuvla Media, a boutique video production company that helps organizations around the country share their story through video.If you are looking to make a video for a milestone dinner, online fundraiser or building campaign, please reach out to schedule a fifteen minute call at: hello@yuvlamedia.com____This week's episode is brought to you by "This World Is A Garden," a new film and live concert production by Yuvla Media based on the Rebbe's first talk, Bosi Lgani.Combining beautiful cinematography with a live performance by a string quartet, this production is a meditation on hope and holding on to a vision even as time passes by.Now you can bring this groundbreaking experience of Bosi Lgani to your community.For more info please visit: https://www.yuvlamedia.com/thisworldisagarden
By 2048, an estimated $124 trillion will change hands — the largest transfer of wealth in human history. Roughly $105 trillion to heirs, $18 trillion to charity. And here's the uncomfortable truth: about 70% of family wealth disappears by the second generation, and 90% is gone by the third.In this week's Money On Tap, Ben Brayshaw and Dan Michelon dig into what the great wealth transfer really means — not for the economy, but for your family. They unpack why wealth preservation is far more behavioral than investment-driven, what the Vanderbilts got wrong and the Rockefellers got right, and the Warren Buffett principle every parent and grandparent should know. Most importantly, they walk through the four conversations every family needs to have before the money moves — and the simple first step you can take this week.What you'll learn:Why $124 trillion in motion could be a generational blessing — or a great wealth disasterThe statistic that should stop every family cold: 70% gone by generation two, 90% by generation threeWhy wealth preservation is behavioral, not investment-drivenThe tale of two fortunes: Vanderbilt vs. RockefellerThe four conversations every family must have before the transferA practical first step you can take this week — and the BFG white paper that helps you run your own family meetingPlus Money In The News:General Motors and Lockheed Martin announce a new multi-billion-dollar defense manufacturing partnershipJeff Bezos proposes eliminating federal income taxes for the bottom half of U.S. earners — and what it would actually mean“The job interview is broken”: how AI is reshaping hiring on both sides of the tableRead the companion blog: https://www.brayshawfinancial.com/blog Schedule a free consultation: https://app.greminders.com/t/9f3ce72e/initialconsulta Browse the full Money On Tap library: https://www.brayshawfinancial.com/money-on-tapContact Us - Phone: 855-226-8551 - Email: info@yourmoneyontap.com - Office: 116 South River Road, Bedford, NH 03110 - Web: brayshawfinancial.comSecurities and advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. All other services offered through Brayshaw Financial Group, LLC are independent of Osaic Wealth, Inc.If the S&P 500 is up 10%, why isn't my portfolio?Because the S&P 500 is cap-weighted: seven stocks absorb about a third of every dollar, and the top 10 holdings make up 35–55% of most S&P funds. In 2026 those mega-caps lagged — the Mag Seven are collectively negative — while sectors like energy (+28.1%) and technology (+26.8%) led. If your ETFs overlap in the same top names, you own the laggards several times over. The fix starts with knowing what you actually own.
Morse code transcription: vvv vvv Peter Murrell to be sentenced for embezzling SNP funds Newspaper headlines Keirs tears... Andys crown and Messiah without a mandate US eases oil sanctions as Iran denies Vance claim on nuclear inspectors Keir Starmer announces resignation as prime minister and Labour Party leader Jeffrey Donaldson Former DUP leader guilty of all child sex abuse charges including one count of rape Man charged with terrorism linked attempted murders in Edinburgh How to get a good nights sleep during hot weather Bedford train crash Police confirm latest hospital figures Two men plead guilty over 39m Transport for London cyber attack Chris Mason Questions multiply for the man tipped to replace Starmer
Morse code transcription: vvv vvv Jeffrey Donaldson Former DUP leader guilty of all child sex abuse charges including one count of rape How to get a good nights sleep during hot weather Newspaper headlines Keirs tears... Andys crown and Messiah without a mandate Keir Starmer announces resignation as prime minister and Labour Party leader US eases oil sanctions as Iran denies Vance claim on nuclear inspectors Man charged with terrorism linked attempted murders in Edinburgh Peter Murrell to be sentenced for embezzling SNP funds Chris Mason Questions multiply for the man tipped to replace Starmer Bedford train crash Police confirm latest hospital figures Two men plead guilty over 39m Transport for London cyber attack
Morse code transcription: vvv vvv Two men plead guilty over 39m Transport for London cyber attack Chris Mason Questions multiply for the man tipped to replace Starmer Jeffrey Donaldson Former DUP leader guilty of all child sex abuse charges including one count of rape Peter Murrell to be sentenced for embezzling SNP funds Man charged with terrorism linked attempted murders in Edinburgh Newspaper headlines Keirs tears... Andys crown and Messiah without a mandate US eases oil sanctions as Iran denies Vance claim on nuclear inspectors Keir Starmer announces resignation as prime minister and Labour Party leader Bedford train crash Police confirm latest hospital figures How to get a good nights sleep during hot weather
Morse code transcription: vvv vvv Davey Hearn Former Olympian denies vandalising Washington Reflecting Pool after arrest William marks 44th birthday as royals celebrate Fathers Day Driver killed in Bedford train crash named CCTV shows moments leading up to arrest in Edinburgh anti Muslim attacks probe Starmer considers political future as calls to quit mount Wowcher extremely sorry for crocodile attack email Signs grow that Starmer will set out timetable to resign as mood in government shifts Gwynedd pupils describe being made to eat dog biscuits off floor US and Iran begin talks on initial peace deal in Switzerland David Hockney Low key funeral held for giant of the art world
Morse code transcription: vvv vvv Late singer Oliver Trees body returned to US after Brazil helicopter crash Boy, 3, in stable condition after Cambridgeshire crocodile attack Injured ticket inspector a hero in fatal Bedford train crash Sir Keir Starmer Top lawyer whose Mr Rules approach failed to connect with the public Starmer is stepping down. What could happen next Paedophile nursery worker could have been stopped sooner, says former colleague Who is Andy Burnham Returning MP who wants to be prime minister Prime Minister Keir Starmers resignation speech in full Russia Ukraine war Troop build up threatens Kostyantynivka, key to seizing Donbas Schools close as more than half of France under red heat alerts
Morse code transcription: vvv vvv Prime Minister Keir Starmers resignation speech in full Who is Andy Burnham Returning MP who wants to be prime minister Boy, 3, in stable condition after Cambridgeshire crocodile attack Injured ticket inspector a hero in fatal Bedford train crash Schools close as more than half of France under red heat alerts Starmer is stepping down. What could happen next Sir Keir Starmer Top lawyer whose Mr Rules approach failed to connect with the public Late singer Oliver Trees body returned to US after Brazil helicopter crash Paedophile nursery worker could have been stopped sooner, says former colleague Russia Ukraine war Troop build up threatens Kostyantynivka, key to seizing Donbas
Morse code transcription: vvv vvv Who is Andy Burnham Returning MP who wants to be prime minister Boy, 3, in stable condition after Cambridgeshire crocodile attack Injured ticket inspector a hero in fatal Bedford train crash Russia Ukraine war Troop build up threatens Kostyantynivka, key to seizing Donbas Starmer is stepping down. What could happen next Sir Keir Starmer Top lawyer whose Mr Rules approach failed to connect with the public Schools close as more than half of France under red heat alerts Prime Minister Keir Starmers resignation speech in full Paedophile nursery worker could have been stopped sooner, says former colleague Late singer Oliver Trees body returned to US after Brazil helicopter crash
Morse code transcription: vvv vvv Starmer considers political future as calls to quit mount Davey Hearn Former Olympian denies vandalising Washington Reflecting Pool after arrest David Hockney Low key funeral held for giant of the art world CCTV shows moments leading up to arrest in Edinburgh anti Muslim attacks probe William marks 44th birthday as royals celebrate Fathers Day Signs grow that Starmer will set out timetable to resign as mood in government shifts Gwynedd pupils describe being made to eat dog biscuits off floor Driver killed in Bedford train crash named US and Iran begin talks on initial peace deal in Switzerland Wowcher extremely sorry for crocodile attack email
Morse code transcription: vvv vvv US and Iran begin talks on initial peace deal in Switzerland David Hockney Low key funeral held for giant of the art world Wowcher extremely sorry for crocodile attack email Signs grow that Starmer will set out timetable to resign as mood in government shifts Davey Hearn Former Olympian denies vandalising Washington Reflecting Pool after arrest Gwynedd pupils describe being made to eat dog biscuits off floor Starmer considers political future as calls to quit mount Driver killed in Bedford train crash named William marks 44th birthday as royals celebrate Fathers Day CCTV shows moments leading up to arrest in Edinburgh anti Muslim attacks probe
Morse code transcription: vvv vvv Trump hits out at Italys Meloni after pushback on G7 photo claim Zelensky returns highest Polish honour after award stripped Nine people critically injured in fatal Bedford train crash King Charles to reveal personal tax bill for first time as monarch Four in hospital after bare chested man with weapon roams around Edinburgh Holly Ramsay and Adam Peaty announce they are expecting first child Mark Hughes totally heartbroken after death of son Alex, 38 Iran says it has closed Strait of Hormuz over Israeli attacks in Lebanon Talk of Starmer staying on to fight is fading fast Three men killed following fire in west London
Morse code transcription: vvv vvv Ive banned most men from my massage clinic because of their behaviour Jeremy Clarkson in remission from prostate cancer Harry Potter star Rupert Grint wins bid to build eco village Iran says it has closed Strait of Hormuz over Israeli attacks in Lebanon Davey Hearn Former Olympian denies vandalising Washington Reflecting Pool after arrest William marks 44th birthday as royals celebrate Fathers Day How the social media ban could reshape how all of us use the internet Four in hospital after bare chested man with weapon roams around Edinburgh Bedford train crash disruption to last until Thursday Signs grow that Starmer will set out timetable to resign as mood in government shifts
Morse code transcription: vvv vvv Davey Hearn Former Olympian denies vandalising Washington Reflecting Pool after arrest Jeremy Clarkson in remission from prostate cancer Four in hospital after bare chested man with weapon roams around Edinburgh How the social media ban could reshape how all of us use the internet Iran says it has closed Strait of Hormuz over Israeli attacks in Lebanon Ive banned most men from my massage clinic because of their behaviour William marks 44th birthday as royals celebrate Fathers Day Signs grow that Starmer will set out timetable to resign as mood in government shifts Bedford train crash disruption to last until Thursday Harry Potter star Rupert Grint wins bid to build eco village
Morse code transcription: vvv vvv Zelensky returns highest Polish honour after award stripped Four in hospital after bare chested man with weapon roams around Edinburgh Three men killed following fire in west London Holly Ramsay and Adam Peaty announce they are expecting first child Talk of Starmer staying on to fight is fading fast Iran says it has closed Strait of Hormuz over Israeli attacks in Lebanon Nine people critically injured in fatal Bedford train crash King Charles to reveal personal tax bill for first time as monarch Mark Hughes totally heartbroken after death of son Alex, 38 Trump hits out at Italys Meloni after pushback on G7 photo claim
Morse code transcription: vvv vvv Zelensky returns highest Polish honour after award stripped Talk of Starmer staying on to fight is fading fast Three men killed following fire in west London Nine people critically injured in fatal Bedford train crash Trump hits out at Italys Meloni after pushback on G7 photo claim Iran says it has closed Strait of Hormuz over Israeli attacks in Lebanon Mark Hughes totally heartbroken after death of son Alex, 38 Holly Ramsay and Adam Peaty announce they are expecting first child Four in hospital after bare chested man with weapon roams around Edinburgh King Charles to reveal personal tax bill for first time as monarch
Morse code transcription: vvv vvv Bedford train crash What we we know so far as union warns of serious injuries Zelensky stripped of Polish honour over WW2 name of army unit Zoo worker jumped into crocodile enclosure to save injured boy Italys Meloni says Trump made up story that she begged him for photo at G7 Family plans applause tribute for Scotland fan who died at World Cup Edinburgh airport evacuated over suspicious package PM under pressure from Labour MPs and ministers to set timetable for exit Passengers describe how Bedford train crash unfolded Woman who saved boy at Cambridgeshire crocodile zoo is praised Driver dead and 33 passengers seriously injured in Bedford train collision
Morse code transcription: vvv vvv Crocodile attack on boy at Cambridgeshire zoo What do we know Talk of Starmer staying on to fight is fading fast Four in hospital after bare chested man with weapon roams around Edinburgh Scotland v Morocco Flawed but relentless Scotland show themselves as men of substance Taking supplements every day You might be doing more harm than good Dominican Republic resort fire Italian tourist dies in Bayahibe fire Moscow oil refinery attack brings Russias war with Ukraine closer to home Bedford train crash What we we know so far as union warns of serious injuries Passengers describe how Bedford train crash unfolded Harry and Meghan offered royal accommodation during UK visit
Iran's military says it has again closed the Strait of Hormuz -- in response to Israel's continued strikes on southern Lebanon. Israel launched a wave of attacks this morning -- just hours after agreeing a ceasefire with Hezbollah -- saying it was responding to the firing last night of dozens of projectiles by the Iran-backed group. President Trump had said the Strait of Hormuz would reopen to shipping as part of the framework peace deal agreed between the US and Iran, and signed three days ago.Police say nine people remain in a critical condition in hospital after yesterday's fatal train crash near Bedford. A train driver was killed and scores of passengers were injured when one East Midlands Railway passenger service ran into the back of another. Counter terrorism police are investigating a series of suspected anti-Muslim attacks that left five men injured in Edinburgh last night. Officers say they have arrested a 36-year-old white Scottish man.
Two trains collided near Bedford in eastern England on Friday evening, killing one person and injuring 89 others. The local Ambulance Service said 11 people sustained "very serious injuries."
Ten straight up weeks, then a sharp pullback — and if you're two to five years on either side of retirement, the fear is real. This is the Retirement Red Zone: the last mile into and out of your retirement date, and the most fragile window in your entire financial life.This week on Money On Tap, Ben Brayshaw and Dan Michelon turn last week's market-history conversation into a practical playbook for anyone near retirement: how to avoid the paralysis that wrecked so many retirements in 2008–2009, and what to actually do right now.What you'll learn:Why a 35-year-old and a 65-year-old should do the opposite thing in a pullbackThe accumulation-to-distribution switch most people don't know existsWhat history says: after 40 sharp selloffs since 1980, markets were higher 75% of the time a year laterSequence-of-returns risk — why the first five years decide everythingBuilding a 1–3 year retirement runway with ~4% cash and T-billsRebalancing a 60/40 that drifted to 75/25Diversifying away from a top-10 that's now 40% of the S&P (8 of them tech)Buffered ETFs — a 20% buffer with a 12–15% cap, explainedFoundational income, annuities, and the tax-aware withdrawal piece most firms skipPlus Money In The News:Consumer prices rose 4.2% annually in May — the highest in three years (CNBC, Jeff Cox)Elon Musk poised to become the first trillionaire — and just how much a trillion dollars really isA top JP Morgan strategist's four ways to prep your portfolio for “considerable danger” (David Kelly)Mentioned on air: Our short sequence-of-returns risk video — watch it at brayshawfinancial.com.Read the companion blog: brayshawfinancial.com/blogSchedule a free consultation: app.greminders.com/t/9f3ce72e/initialconsultaFull Money On Tap episode library: brayshawfinancial.com/money-on-tapContact UsPhone: 855-226-8551Email: info@yourmoneyontap.comOffice: 116 South River Road, Bedford, NH 03110Web: brayshawfinancial.comWhat is the retirement red zone, and why does it matter? The retirement red zone is the roughly ten-year window covering the five years before and the five years after your retirement date. It matters more than almost any other period because of sequence-of-returns risk: a major market downturn while you're beginning to withdraw income can permanently damage the plan, even if the market later recovers. Two people who invest identically but retire a few years apart can end up with opposite outcomes based solely on timing. Navigating the red zone means shifting from maximizing gains to mitigating losses — stress-testing the plan, building a cash runway, rebalancing, diversifying, and adding guardrails like buffered ETFs and guaranteed income.
Welcome to LIFTS, where we explore the future of fitness, wellness, and human performance. In this episode, hosts Matthew Januszek and Mohammed Iqbal are joined by Dr. Paul Bedford, founder of The Retention Guru and one of the fitness industry's leading authorities on member retention, customer experience, and consumer behaviour. After analysing more than 5.5 million gym member records worldwide, Dr. Bedford has spent decades helping operators understand one of the biggest challenges facing fitness businesses today: keeping members engaged for the long term. This conversation explores why retention remains one of the most misunderstood metrics in the fitness industry and why many operators may be focusing on the wrong things. As consumer behaviour continues to evolve, the traditional membership model is being challenged by a new generation of fitness consumers who increasingly belong to multiple gyms, studios, communities, and wellness brands simultaneously. Dr. Bedford shares insights into why members really leave, the critical role community plays in long-term engagement, and why every member interaction contributes to retention. The discussion also examines how operators can create more meaningful experiences and why positive experiences, not extraordinary ones, are often the foundation of long-term loyalty. The episode explores the future of member retention, changing consumer expectations, and what fitness operators must do to remain relevant in an increasingly competitive market. In this episode, we cover: • What 5.5 million member records reveal about retention • Why members really leave gyms • The rise of multi-membership consumers • Why community drives long-term engagement • The retention data many operators ignore • What fitness businesses must do next
In December 1996, 32-year-old Sharon McLane was brutally murdered inside her Bedford, Texas apartment. Two years later, her friend John Earl Nolley was convicted of the crime and sentenced to life in prison. The case appeared closed.But questions never completely disappeared.Years after Nolley's conviction, attorneys with the Innocence Project and Tarrant County's Conviction Integrity Unit uncovered troubling problems with the original prosecution, including undisclosed evidence, unreliable jailhouse informant testimony, and forensic findings that cast doubt on the verdict.Early in the case, Paul Dennis Reid, a violent serial killer later convicted of seven murders in Tennessee and suspected in several others, emerged as an alternate suspect. But police discounted him despite many witnesses placing him at Sharon's apartment complex around the time of the murder, among other things.In the final chapter of Sharon McLane's story, we examine Reid's murder convictions, the evidence that pointed away from Nolley, and the extraordinary review that ultimately led to Nolley's release after nearly two decades behind bars.While John Earl Nolley eventually regained his freedom, Sharon McLane's murder remains unsolved, leaving behind one lingering question that has never been definitively answered:Who killed Sharon McLane?Part three of three.If you have any information about the murder of Sharon Lucretia McLane, please call the Bedford police at (817) 952-2127.You can support gone cold and listen to the show ad-free at https://patreon.com/gonecoldpodcastFind us at https://www.gonecold.comFor Gone Cold merch, visit https://gonecold.dashery.comFollow gone cold on Facebook, Instagram, Threads, TikTok, YouTube, and X. Search @gonecoldpodcast at all or just click https://linknbio.com/gonecoldpodcast#JusticeForSharonMcLane #BedfordTX #TarrantCountyTX #Texas #TX #TexasTrueCrime #ColdCase #TrueCrimePodcast #Podcast #Unsolved #MissingPerson #Missing #Murder #UnsolvedMurder #UnsolvedMysteries #Homicide #CrimeStories #PodcastRecommendations #CrimeJunkie #MysteryPodcastBecome a supporter of this podcast: https://www.spreaker.com/podcast/gone-cold-texas-true-crime--3203003/support.