Podcasts about correlation

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On today’s episode of the podcast, Roman Empire expert Jeremy Ryan Slate breaks down the rise and fall of Rome, from its origins and wars to the Roman view of Jesus and Marcus Aurelius. He also explores the parallels between Ancient Rome and modern America, including inflation and the world’s largest economies.Subscribe for more. Timecodes (Episode #180):0:00 - Start3:33 - How BIG Was the Roman Empire27:40 - Punic Wars34:07 - End of Persian War, Republic Starts to Change39:48 - 100BC - 0AD1:23:00 - How the Romans Saw Jesus1:41:05 - How Accurate Is the Movie Gladiator1:41:33 - Marcus Aurelius1:41:41 - What Made Marcus Aurelius So Special?2:02:50 - What Is Inflation?2:46:04 - Correlation to Rome and USA2:46:10 - Correlation Between Rome and US2:55:21 - World's Largest GDP'sFollow The John Rondi ShowTikTok: https://www.tiktok.com/@johnrondipodcastInstagram: https://www.instagram.com/johnrondipodcast/Spotify: https://open.spotify.com/show/7xuYMlfFAXUfReoHKGHjb6?si=e13220a9830e4463Apple Music: https://podcasts.apple.com/us/podcast/the-john-rondi-show/id1670365515Follow Jeremy Ryan SlateInstagram: https://www.instagram.com/jeremyryanslate/Follow John RondiInstagram: https://www.instagram.com/johnrondiTikTok: https://www.tiktok.com/@johnnyrondi#podcast #johnrondi

Episode 532 00:00 Introduction 00:20 Correlation is Causation Illusion 03:15 Correlation is not Causation Story 09:15 Market Assessment Watch the VIDEO Sign up for free ALERTs & Market Commentary at:  https://www.investablewealth.com/subscribe/ ——————————————————

In this episode we answer emails from Optimus Bill, Mark, and Drew.  We discuss a paper about value factor investing from Wes Gray, Section 351 exchanges, how to stick with the horse your rode in on, a long-run correlation analysis of various assets, and a listener's new financial practice.And THEN we our go through our weekly portfolio reviews of the eight sample portfolios you can find at Portfolios | Risk Parity Radio.Links:Father McKenna Center Donation Page (please mention Risk Parity Radio in the comment section with your donation):  Donate - Father McKenna CenterAlpha Architect Value Factor Investing Paper:  AA-JBISFactorInvesting22LongOnlyValueInvesting.pdfInterview of Wes Gray on Section 351 Exchanges and Other Topics:  Episode 70: Dr. Wes Gray discusses the unique tax benefits of ETFs and other topics of interest, host Rick Ferri | Bogleheads On Investing PodcastMark's Long-Term Correlation Matrix:  correlation_matrix (Mark Figley Episode 533).xlsx - Google Sheets"Minimize Your Miss" Article:  Minimize Your Miss – Portfolio ChartsDrew's Money for Makers Book (Not An Endorsement -- Just A Favor For A Long-Time Listener):  Book | Money for Makers by Drew Feldman, APMA® | WideFrame WealthBreathless Unedited AI-Bot Summary:If your portfolio plan only works when stocks are soaring, it's not a plan, it's a mood. We take on a set of sharp listener questions that hit the heart of risk parity investing and modern portfolio construction: when does small cap value truly earn its keep, how should you think about equal-weighted value strategies, and why “liquidity” often matters more to institutions than to everyday ETF investors who rebalance a few times a year. Along the way, we share our core view that the growth versus value split can be more important than the large versus small split for long-term asset allocation.We also dig into an advanced but practical topic for the right person: Section 351 exchanges. If you're sitting on highly appreciated legacy stocks or a concentrated inherited position, the promise of moving toward a diversified ETF structure without an immediate taxable event is compelling, but the real-world constraints are cost, complexity, and scale. We lay out what we know, who it tends to fit, and why most do-it-yourself investors are better served by simpler diversification steps earlier.Then we tackle the uncomfortable truth: diversification can feel like failure during long stretches when the SP 500 leads. We talk behavior, drawdowns, and why educated DIY investors still need a realistic expectation for underperformance in strong stock years. A listener-built 100-year correlation matrix reinforces the point, highlighting how Treasury bonds, gold, and especially managed futures can bring low or even negative correlation when stocks drop. We close with our weekly portfolio review, including performance snapshots and upcoming rebalancing trades in leveraged allocations.Subscribe for more clear, evidence-based investing talk, share this with a friend building a retirement portfolio, and leave a review so more DIY investors can find the show.Support the show

Probiotics, cleanses, leaky gut, worms — science or scam? Jessica Wynn digests the truth about your microbiome this Skeptical Sunday!Welcome to Skeptical Sunday, a special edition of The Jordan Harbinger Show where Jordan and a guest break down a topic that you may have never thought about, open things up, and debunk common misconceptions. This time around, we're joined by writer and researcher Jessica Wynn!Full show notes and resources can be found here: jordanharbinger.com/1366On This Week's Skeptical Sunday:Your gut is a genuine marvel, with 500 million neurons chattering up the vagus nerve to your brain. But "marvel" got rebranded as "malfunction" the second the wellness industry smelled money. The gut-brain axis is real science; the $62 kombucha is not."Scientists discover the sadness bacteria" sells. "We found a correlation we can't explain yet" doesn't. Depressed people do have different gut bacteria — but no one knows which is driving the bus. Correlation isn't causation, a lesson the internet forgets daily.Those "parasites" in cleanse videos are mucus casts — your product coming back out, shaped like worms. "Leaky gut," "mucoid plaque," rope worms: catch-all diagnoses for being alive. The cleanse creates the problem, then sells you the repair kit. Perfect loop.The pitch targets women for a reason: IBS hits them twice as often, and medicine spent decades calling their symptoms "just stress." Wellness says "your doctor won't listen, we will." That distrust is earned — but a real grievance doesn't make the $79 capsules work.The good news is that your microbiome isn't broken, so stop trying to fix it. Eat a wide variety of real, whole and fermented foods, move your body, sleep, manage stress — and take real symptoms to a gastroenterologist, not TikTok. Boring, cheap, and it works.Connect with Jordan on Twitter, Instagram, and YouTube. If you have something you'd like us to tackle here on Skeptical Sunday, drop Jordan a line at jordan@jordanharbinger.com and let him know!Connect with Jessica Wynn at Instagram (and Instagram!), and subscribe to her newsletters: Between the Lines and Where the Shadows Linger!And if you're still game to support us, please leave a review here — even one sentence helps! Sign up for Six-Minute Networking — our free networking and relationship development mini course — at jordanharbinger.com/course!Subscribe to our once-a-week Wee Bit Wiser newsletter today and start filling your Wednesdays with wisdom!Do you even Reddit, bro? Join us at r/JordanHarbinger!This Episode Is Brought To You By Our Fine Sponsors: HomeServe: Find the plan that's right for you: homeserve.comSimpliSafe Home Security: 50% off + 1st month free: simplisafe.com/jordanProgressive Insurance: Free online quote: progressive.comFlyKitt: 15% off: flykitt.com, code JORDANSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Episode 302-Not Getting Tired of Winning Also Available OnSearchable Podcast Transcript Gun Lawyer — Episode Transcript Page – 1 – of 12 Gun Lawyer — Episode 302 Transcript SUMMARY KEYWORDS Gun Lawyer, New Jersey assault firearm law, Third Circuit Court, Supreme Court, stay granted, unconstitutional laws, Second Amendment, sensitive places, National Firearm Act, suppressors, Jordan Salinas, good guy with a gun, training, legal advice, gun rights. SPEAKERS Evan Nappen, Teddy Nappen, Speaker 2 Evan Nappen 00:16 I’m Evan Nappen,. Teddy Nappen 00:18 And I’m Teddy Nappen. Evan Nappen 00:20 And welcome to Gun Lawyer. Well, my friends, the wins keep coming. These are great times. You know, we have suffered from the oppressors on our gun rights for decades upon decades, and now we are seeing the collapse of all their machinations over the years. It is great and getting greater. And so, just within this short period of time, we’ve had the spectacular win in New Jersey in the Third Circuit Court of Appeals and the full en banc panel, all the judges, of course, finding that New Jersey’s 36-year-old assault firearm law and magazine law is unconstitutional. It’s a fantastic decision, as we’ve discussed, written by a Biden-appointee judge who happened to be the first woman of color appointed to the Appellate bench. That is fantastic and has multi-dimensional impact, of course, having that great decision. Evan Nappen 01:52 Now, with that having been said, yes, a stay has been granted in terms of the implementation of the finding of unconstitutionality. So, that stay is granted essentially because traditionally these kind of stays do get granted, especially when the Supreme Court itself of the United States has taken this issue and has granted certiorari over the assault weapon, what New Jersey calls assault firearm law under Viramontes and Grant. They’ll be deciding that. Essentially we’ll have a decision by next June on that issue affecting the nation. Now, New Jersey has got their stay because they’re requesting the Supreme Court of the United States to grant certiorari over New Jersey’s case, and the stay has been granted pending the final resolution, essentially, of these issues, or at least in good part, these issues by the United States Supreme Court. So, in the meantime, Teddy Nappen 03:12 I don’t know if you caught what the AG Davenport wrote in their press release, Dad. Page – 2 – of 12 Evan Nappen 03:20 Well, they can continue to irreparably harm law-abiding, honest gun owners over these unconstitutional laws until that finally happens. But what exactly did Davenport say as they try to turn an utter defeat into some sort of short-term victory? Teddy Nappen 03:45 We are thrilled that the Third Circuit this morning stayed its ruling on our assault weapon / large capacity magazine case while our petition to the U.S. Supreme Court proceeds. That ensures this 36-year law will remain in place. (https://www.njoag.gov/statement-from-attorney-general-jennifer-davenport-on-third-circuits-grant-of-a-stay-in-assault-weapons-large-capacity-magazines-case/) 36 years of going after people, putting them in jail, taking away their rights, providing ruining their lives. Evan Nappen 04:07 Hey, wait, Teddy, are you reading from their news release? Teddy Nappen 04:11 Oh, you know, I read their news release and then added the little context that they forgot. Evan Nappen 04:16 Did they actually use the word “assault weapon”? Teddy Nappen 04:20 Yes. Evan Nappen 04:20 Or did they say “assault firearm”? What did they say? Teddy Nappen 04:21 Assault weapon. Evan Nappen 04:22 Davenport called it “assault weapon” law? Teddy Nappen 04:26 Yes, assault weapons. Evan Nappen 04:27 Okay, just so you know, this is the top law enforcement attorney for New Jersey who is calling their law something it is not. We do not have an “assault weapon” law. We have an “assault firearm” law. Now, granted, it’s a similar issue, and you know it’s the same idea of going after New Jersey’s version of semi-automatics. But you would think if you’re a lawyer, and you’re a lawyer for the State that has this case that you might want to refer to it as the actual name that your State utilizes, because that term “assault firearm” is the term embedded in New Jersey’s law. It is a defined term under N.J.S. 2C:39-1. Page – 3 – of 12 They are called “assault firearms” in New Jersey by law, by law. But you know, why would she bother actually using the correct legal term when discussing laws? That would be amazing, wouldn’t it? Teddy Nappen 05:46 Well, Dad, I mean, just the abuse alone, just to give you the one-to-one. You’ve had many times where people have been charged with having a “assault firearm”, and it’s not. But they love to abuse it and just use whatever term they want. I mean that goes right back to Josh Sugarmann, and his whole idea of making that term “assault firearm” to confuse the public so they could pass their laws. I mean. Evan Nappen 06:10 Yep, it’s exactly that. Well, Sugarmann wrote the manifesto “Assault Weapons and Accessories in America”. That’s what laid the groundwork for this issue. It finally has one foot in the grave, is bedridden, on its deathbed, and the Supreme Court will hopefully administer the coup de gras in June 2027. I believe the odds heavily, heavily favor us, virtually to the point of I would be shocked if we lose. I just don’t see that happening, and the antis know it as well. Those oppressors get it that they’re going to lose on this issue. Teddy Nappen 06:54 It’s Viramontes and Grant. Evan Nappen 06:58 Yeah. Those are the two cases that Supreme Court has granted certiorari on. Just so you know, one is a local law out of Cook County, Illinois, that bans assault weapons, and has incorporated into the definition, magazines into their definition of assault weapon. So, the Supreme Court might actually address the magazine issue because it’s actually part of Viramontes’ law itself. e may see that. The Grant case deals with Connecticut’s assault weapon ban, state law, and when they challenged in Connecticut, they didn’t challenge the magazine portion. They only challenged the so-called assault weapon portion. New Jersey’s case, in the Cheeseman v. Platkin case, that court addressed both assault firearms, aka assault weapons, and magazines. And now, with New Jersey requesting certiorari, meaning requesting the U.S. Supreme Court to take the case, it also opens up the magazine issue. So, the Supreme Court that can do anything it wants might choose to address the magazine issue in the Viramontes and Grant decision. They might even, arguably, they could even take up New Jersey’s case and make it part of that. They might, and what most likely they’re going to just have it in a holding pattern. Evan Nappen 08:47 And we have the Duncan case that deals with magazines as well out of California, the Duncan v. Bonta case (25-198(. So, what it means is, if the Supreme Court doesn’t deal with magazines by next June, but just the guns, then they may very well take New Jersey’s case and Duncan with the split in the circuits there, and then deal with magazines. Like I said, they might do it all together. They might not. But New Jersey proceeding with this actually weirdly in the long run may present and give us a great opportunity because it presents magazines as a complete win by the court from our circuit. So, this may be one of those situations where you know the word to New Jersey is be careful what you wish for. This Page – 4 – of 12 is very interesting to follow. But I believe that all these laws are going to go to the dustbin of history. It’s just a matter of time. Evan Nappen 09:59 But as I have advised listeners, even when this decision came out, not to do anything because of the ability to get a stay. To wait and see. Well, that’s proven correct. I’s been proven out to be the wise thing to do, and have our listeners not end up being GOFUs by obtaining the firearms and magazines that are not yet technically lawful. So, for these continuing months, New Jersey is still free to enforce the magazine and assault firearm laws. Of course, if you have such a case or such a charge, your attorney, if they’re anywhere competent, will raise these very important issues and hopefully get your matter, your criminal matter, stayed pending the outcome and preserve the constitutional issues on your behalf in fighting it. So, be careful. Don’t end up with a GOFU where you’re facing these charges and your current counsel isn’t doing anything about it. I’ve had a number of those cases coming to me from other attorneys, where the client is like, my attorney never raised the constitutionality on these issues. Well, that is a huge mistake because you need to raise these issues, preserve these issues, because ultimately your odds of success are so great here, and it is essentially, arguably, malpractice to not, especially now, raise the constitutional issues if someone is facing in New Jersey or in the Circuit that has decided that these laws are unconstitutional. So, it’s very important that you be aware of that. Teddy Nappen 12:05 Would it be better if the Supreme Court does the other two cases and then take this one up as a mag separately, or is it better to do it all in one go? Evan Nappen 12:13 The best for everyone would be complete victory as soon as possible. However, if they’re not going to do that, if they’re just going to address guns now and then we have these cases to address mags, fine. We’ll fight the fight, and there you go. But the important thing, honestly, is that they’re taking the cases. Remember, for years they did not take these cases, and instead, luckily, wisely, maybe by planning it correctly-I don’t know-maybe intentionally, the groundwork got laid for the challenges to ultimately be successful. Because look, way back in May of 1990, I was an attorney. I remember this horrible New Jersey assault firearm law and magazine law passing. It was disgusting. Of course, it also became the Evan Nappen Full Employment Act. But the fact is, they passed this ridiculous law, and I remember thinking at the time, yeah, you know, in my heart, I knew this has got to be contrary to the Second Amendment. But we did not have any of the cases at that time. We didn’t have Heller finding that the Second Amendment is an individual right. We didn’t have McDonald incorporating the Second Amendment to the states. We didn’t have Bruen laying out the test of constitutionality and what test is to be used to see if guns laws, if gun laws are proper and constitutional. We didn’t have any of that. We didn’t have the giant body of historical research that is critical in these wins. We didn’t have any of it. Evan Nappen 14:08 And what the pro-second amendment gun rights side has done is nothing short of Herculean. All the forces together have built this fortress of the ability to defend and to fight and to take on the fight and to attack. Built this up so that we’re now in a position to have victory after victory. Yet, we see another Page – 5 – of 12 victory, another victory. Just determined in the Fifth Circuit, a nationwide injunction as applied to the members of the parties and their members, such as NRA and GOA and SAF, and FPC, etc. (https://www.nraila.org/articles/20260805/federal-court-strikes-down-nfa-registration-requirements-for-suppressors-short-barreled-rifles-and-short-barreled-shotguns-in-nra-case) All joining, attacking the National Firearms Act under a legal argument that was made possible by President Trump in the Big Beautiful Bill. Remember, the Big Beautiful Bill, which was a reconciliation bill, that was dealing with money, taxation, funding, money. When it’s done as a reconciliation, then what you have is no need or ability to run a filibuster. Since simple majorities can pass the reconciliation bills under the Senate rules, the Democrats, the anti-Second Amendment rights oppressors, could not stop its passage because they would. You know they would demand the 60, have the filibuster cloture, and the laws would die on the vine. But this did not, because it only needed simple majority. In that bill there was a specific repeal of the taxes. The taxes that get paid on suppressors, short barrel shotguns, short barrel rifles, on any other weapon, and silencers. The tax was eliminated to zero. And by doing that, it opened up the ability for the Big, Beautiful Lawsuit that was just a success in the Fifth Circuit, and how it worked was not based on Second Amendment arguments. It was based on jurisdictional arguments. Evan Nappen 16:55 You see, the National Firearms Act is premised upon the federal power of taxation. It is not founded upon the federal power of interstate commerce. Nor is it founded upon the military power. The federal government’s powers are limited. And back in the ’30s, when the National Firearms Act passed, they did not have the insane expansion of the commerce powers under the federal government. Therefore, the first national gun laws, which the NFA was, was jurisdiction by taxation. They imposed a $200 tax on suppressors, short barrel rifles, etc. Now, $200 in 1934 was just a little bit under $5,000 in terms of it being adjusted for inflation. So, imagine today passing a law that said any semi-automatic firearm that you want to possess, you must pay a $5,000 tax to the federal government in order to obtain it. Evan Nappen 18:26 You see how prohibitive that makes the possession, and then go through a registration scheme that is hidden in a pretext of taxation, which is blatantly excessive. And what has happened is by the elimination of the tax to zero, the court essentially said if there’s no tax, then there’s no law. Therefore, the NFA collapses in the enforcement proceedings regarding the paperwork, registration, printing. All the things that get done on the acquisition of NFA items. That law has been stayed for seven days, even though this is a permanent injunction. There’s been a seven-day stay to see if it progresses further, but that is a tremendous win on yet a different front of fighting for Second Amendment liberty. ‘ve had both of these great wins, and we have a lot to be proud of, and a lot to be optimistic about. Teddy Nappen 19:39 Regarding the big win with the NFA, I always want to see what is the what are the gun rights oppressionists? What are they pushing on this one? The Trace didn’t bring up something. However, Giffords, they’re flipping out, and I love this. (https://giffords.org/press-release/2026/08/giffords-reacts-to-federal-court-striking-down-background-checks-for-firearm-silencers-short-barreled-rifles-and-shotguns/) They go right to the. Just laugh, just reading it. This came from Trump’s so-called Big Beautiful Bill. Remove the tax on these devices. The court has struck down the National Firearms Act, requiring background check and registration of firearm silencers, short barrel rifles, and shotguns. Page – 6 – of 12 Silencers and short barrel firearms, and other than handguns, are rarely used in crimes today because current laws have stopped them. Ding ding ding ding ding ding ding ding. Logical fallacy alert, everybody! Logical fallacy alert. Correlation does not equal causation. Saying that this will stop that these things have prevented crime does not make it so. What is your argument? Oh, they didn’t. They don’t have access. Even though prior to that, they weren’t used in crime. Generally speaking, as well. Number one is handguns on that front. But I love how they just try to toss that in every time. Just a red herring every single time, and they try to push it. Evan Nappen 20:56 Yeah, they’re just propagandists, and they’re losing left and right. It’s going to end up, my friends. You can mark my words. It’s going to end up that their entire world of gun law schemes, machinations, all these things that they have hoisted upon us as they die. I am greatly enjoying watching these gun laws die. As they die off and are impossible to find workarounds that, as well, get killed and die off. That they’re simply going to be left with only one mission, and their one mission of the oppressors, the one mission of the Second Amendment rights haters, will be to repeal the Second Amendment. And that’s where a fight’s going to end up. A fight over the oppressors trying to remove the Second Amendment. Of course, they’ll push this through their socialist, communist political movement. Remember, they want to make all kinds of institutional, governmental, radical changes, including getting rid of the Senate, including ending the nine-person Supreme Court and expanding it, getting rid of the presidency being elected where it’s an appointed, et cetera, and going at all different constitutional rights and turning America into a communist nation, and in so doing, they will also push. And Teddy, I think they even are saying, even now, to get rid of the Second Amendment. And you’ll see them joining hands. You’ll see the anti-Second Amendment rights folks joining hands with the Communists, with the DSA, the Democrat Socialist Wing, as the Democrat Party in its civil war implodes over the monster that the Democrats have created themselves. This is their Frankenstein that is now running loose on them. Teddy Nappen 23:27 Yeah, and quite frankly, just going back to them where they have pushed and pushed and pushed, where they said we don’t. They and there was a great video where this guy was basically trying to argue the socialist dilemma of the Second Amendment because it’s that catch 22 where they want to ban arms but they need arms for the revolution. For their great, you know, seize the means of production, but they cannot because they still push for red flag. They still push for universal background checks. Evan Nappen 23:58 Teddy, it’s like the meme with the guy sweating as to which button to push, you know. Ban guns so that you get, you know, so they could disarm the populace, or don’t ban so that their radical, violent Left can have access to firearms. Right? You know, they’re conflicted over that choice. Yeah. But regardless of what politics may lay in the future, right now the wins in court and legislatively. Okay. Remember, this is a combination. The reconciliation bill, etc. That’s all an important legislative changes that open the door to the ability to win on the front of the NFA tax attack and the big beautiful lawsuit. We are making tremendous gains and wins. And it is absolutely a reason to be optimistic. Page – 7 – of 12 Evan Nappen 25:03 I’m looking forward to seeing the decision in Koons and Siegel cases. Those that’s the case that addresses New Jersey’s sensitive places. We’re waiting for that same full en banc panel of the Third Circuit. Now, this is the same court that just killed New Jersey’s assault firearm and magazine law. That same court will be rendering an opinion over the constitutional validity of New Jersey’s sensitive places in the very near future. We’re going to see it. We’re just a matter, any day they can come out with that decision. Keep in mind, it’s going to be very important in countering and destroying the Carry Killer bill that Murphy and company got enacted. They did it. How? They did it because of their hissy fit to the Bruen decision, mandating carry permits get issued. So, they tried to make it so that this insane matrix of sensitive places makes it so incredibly difficult to actually exercise that right. is same court that gave us this fantastic pro-Second Amendment decision will be coming out with the sensitive places decision shortly. I’m cautiously optimistic about that. Keep in mind that the vote of the judges on the assault firearm magazine case. That was a panel of 15 judges, and the vote was 10 on our side, and five against us. So, it was 15 judges. One of the judges that opted to stay in was a judge that had been on a temporary assignment in, and that judge was a known opponent to Second Amendment rights. So, of course he wanted to stay in, and of the votes of the 10 to five ruling, one of the five judges was the anti-Second Amendment judge, but that judge is not part of the decision that will come out of Koons and Siegel. Therefore, it’s a 14-judge panel. And if we see the same voting as occurred on assault firearms and magazines, we should see a 10 to 4 ruling. Keeping our fingers crossed here in favor of knocking out New Jersey’s sensitive places, which would be really fantastic. And so, hang in there, folks. We’ve suffered a long time, but our suffering is slowly but surely being relieved. Evan Nappen 28:18 Hey, let me tell you about our good friends at WeShoot. WeShoot has some pretty cool offers and things happening. They’re offering the Bull Armory Ultralight Pro, and Bull is proudly recognized as North Jersey Friends of NRA Gun of the year for 2026. It’s lightweight. It’s exceptionally accurate, and it’s built for everyday carry. The pistol earned its title through outstanding performance, craftsmanship, and innovation. You can check out that Bull Armory Ultralight Pro at WeShoot. WeShoot is also offering Hornaday Critical Defense ammunition. Now, you know, Critical Defense and that Hornaday line of Critical Duty, as well, is one of the most trusted names in personal protection. That round is designed and engineered for reliable expansion, and dependable feeding, and confidence when it essentially matters most. And let me tell you, the Hornaday Critical Defense and Critical Duty, those are polymer-tipped rounds that perform arguably even better than hollow nose. But are not hollow nose bullets under New Jersey law because the nose is actually not hollow. It’s got an insert filling the hole. So, because of that, it is an ideal round for carry in New Jersey. You can’t carry, at the moment, actual hollow nose, but you can carry Critical Defense or Critical Duty. And frankly, it’s got advantages over hollow nose. Evan Nappen 30:12 Not just because it performs as well or better, but also because of the nose having the polymer plug. It actually feeds even more reliably than hollow nose. So, it’s actually far superior, at least in these terms, to your normal hollow nose ammunition. So, check out Critical Defense at WeShoot. Also, WeShoot has the Ruger Mini-14 Ranch rifle. Now that Mini 14, that’s an American classic. It’s earned its reputation through decades of proven reliability, versatility, and timeless styling. And let me tell you Page – 8 – of 12 about the Ruger. The new Rugers are incredibly accurate. You know the old Ruger with the pencil barrels-they were called pencil barrels. They weren’t known for their accuracy. hey functioned well and sure looked cool when the A-team had them rolling, right? But accuracy-wise, not so much. However, the new Rugers are extremely accurate. The barrel is thickened toward the base, and it is a redesign that gives incredible tack driving accuracy to the new Ruger Mini-14s. The Ranch rifle will be able to deliver for you, and of course, it’s set so you can not only have the scope rings, the classic Ruger scope rings, but even a Picatinny rail that fits in where you could put the rings, and then you could Picatinny it up to whatever optics you like as well. So, Ruger has come a long way, and the new Mini-14 is something you need to check out. I really do love the new Mini. I have one myself and greatly appreciated having had the old ones as well. So, you can get yours at WeShoot. Weshootusa.com is their website. Evan Nappen 32:26 I want to also remind you that if you want to get a New Jersey carry permit, you really should get it. Join our ranks of 100,000 or more here of permitted carry holders. The more folks we get with carries, the closer we get to constitutional carry. So, make sure you’re part of that. You can get your CCARE certification from WeShoot. They have all the great training there. It’s a fantastic facility. It’s a wonderful resource, conveniently off the Parkway in Lakewood, New Jersey. So, make sure you stop by and check out their website as well. weshootusa.com. You’ll be glad you did. Evan Nappen 33:10 Let me also shamelessly plug my book, New Jersey Gun Law. The Bible of Jersey Gun Law. You need to have it. It’s over 500 pages, 120 topics, all question and answer, so that you don’t become a GOFU. Make sure you have that book. Go to EvanNappen.com. You’ll see the big orange cover right there. Click it, and you’ll have it in a matter of days. Go to EvanNappen.com to get your New Jersey Gun Law book. Hey, Teddy, what do you have for us today in Press Checks? Teddy Nappen 33:48 Well, as you know, Press Checks are always free, and I imagine you’ve caught all about the In and Out shooting. What happened there? Evan Nappen 33:59 Well, maybe our listeners aren’t aware of that. would be surprised, but they may not know there was a major shooting that took place at, at and outside of and around this In / Out Burger in Idaho. Hey, I don’t know if any of you’ve ever eaten at In / Out Burger. It’s a West Coast thing. I really do love In / Out Burger. Just a side note, by the way, guys. But anyway, I digress. So, I could have well seen myself ending up at In / Out Burger in Idaho if I was out there. And Teddy Nappen 34:33 Isn’t there mustard on the burger that they do? Evan Nappen 34:35 No, no, that’s Whataburger. Another great burger chain. Oh, listen, we’re gonna have to call this the Burger Show shortly, instead of the burger lawyer, hamburger lawyer. Page – 9 – of 12 Teddy Nappen 34:44 What’s the best at In / Out? Evan Nappen 34:47 I like to get you know they have the secret menu and all that. I get the protein wrap where they take their In / Out Burger and they wrap it in lettuce. You know, I’ve lost over 200 pounds, and I avoid the carbs. I love the lettuce wrap, the protein. They call them the protein wrap. They wrap their In / Out burgers strictly in lettuce, so you have no carbs, and they’re delicious in-out burgers. So, that’s my favorite. But their stuff is really delicious. However, on this particular occasion, it was not so good. We had a bad guy going there with a gun and decided he was going to shoot up the place. And lo and behold, what happened, Teddy? What happened? A fellow by the name of Jordan Salinas. Go ahead. Teddy Nappen 35:35 Yes, good guy with a gun. Jordan Salinas, where he was with his girlfriend, and they had planned a quiet Saturday. You know, going horseback riding, so and you know, going out for a nice lunch in Twin Falls. And as the gunman Chad Williams has been identified, who was shooting up the In-N-Out, Jordan drew his holstered FN five seven semi-auto pistol with a suppressor to fire back and save the people inside. (https://www.ammoland.com/2026/08/armed-citizen-used-a-suppressed-pistol-to-save-lives-at-twin-falls-in-n-out/) Evan Nappen 36:10 Okay, so first of all, that gun standard has a 20 round magazine, and it’s readily available to have a 30-round mag, so that gun with its standard capacity magazine, you would you would up until the recent case, and even though there’s a stay at the moment, you still can’t have that handgun with the standard capacity magazine. But I’m confident we will be able to. So, you couldn’t have that gun in New Jersey unless you had a lame 10-round magazine in it. Which what’s the point when you have an FN five seven that can hold 20 or even 30 of the five seven ammo? And then his gun has a silencer or suppressor on it, which is just great. Again, that is prohibited in New Jersey because New Jersey doesn’t allow silencers at all. So, here we have this crime being committed by this Chad fellow, and lo and behold, the hero, the good guy with the gun, breaks out his five seven with the suppressor and starts laying down fire on the bad guy. It was fantastic, and he was credited, wasn’t he, by law enforcement with saving lives, Who’s Crowder? Teddy Nappen 39:28 Stephen Crowder, Gladworth Crowder. He did a full breakdown on it, where it’s about training, where you just do enough to where you can handle yourself in a situation. And what Evan Nappen 39:36 did he? What did he say hasn’t been? Page – 10 – of 12 Teddy Nappen 39:39 So the one thing that caught is the fact that he’s has a suppressor attached to it, and it was identified in one of his other videos as he uses an FN five seven USG fitted Tactical Solutions Axiom suppressor, firing Vanguard 55 grain subsonic five sevens. Evan Nappen 40:00 Nice. Teddy Nappen 40:00 That was I so that may not now they may not be his exact rig at that moment, but that was what was reported to what he was practicing with. But that being said, this is one to one of what he was using in the and so Evan Nappen 40:12 you know when you step back, Teddy, and look at this. Normally, when there is some bad guy shooting up soft target area, the antis just cheer because they get to do a blood dance to try to attack and oppress gun rights, because it’s the old saying of they never let a tragedy go to waste. However, here the entire thing was turned on its ear because we had an armed civilian who saved lives and did it with a 20 to 30 round capacity handgun with a suppressor, okay, and so this completely turned around this incident to be one of the greatest current examples of why citizens need to be armed and ready and trained, and so the antis can’t even respond because in their normal blood dance that they like to do, it just always goes back to well. Look, we had a good guy with a gun make the difference. That’s the key, and it’s so important, so great that Jordan Salinas was there to save the folks that he did. He rendered aid even to the injured after. He’s just a great person as well. It was amazing to see this, that, and it so turned it around that I’m going to put on my conspiracy hat the way we sometimes see happen with the shootings that they use to go against our gun rights, I’m going to put my conspiracy hat on and say I think this, given how the outcome was, that this was a false flag operation run by us, because it’s had such tremendous-I’m just kidding about that. Of course, it’s not run by us. We, but you know, yeah, Candace Owens might run with it. Oh yeah, it was-it was the pro-gun side that engineered the entire thing. To no, but the thing is, the impact has been tremendous, and it’s now iconic of Jordan Salinas in his position. It’s like as iconic as Sophie Cunningham pointing is Jordan Salinas in his perfect firing position with his suppressed five seven. Seeing Teddy Nappen 42:57 the I’ve been seeing the citizen cowboy joke that’s been circling. Oh yeah, Evan Nappen 43:02 as compared to Citizen Vigilante, it’s now Citizen Cowboy. Teddy Nappen 43:06 Yeah, Citizen Cowboy because he has. But he’s Citizen Page – 11 – of 12 Evan Nappen 43:09 Defender. He’s not a vigilante. He’s a defender. He’s a defender at the moment. Being a man, imagine that being a man. Actually, is that your greatest example of so-called toxic masculinity, right there, called saving lives. I guess so. The Teddy Nappen 43:25 the other thing is, and I want to take this step further. I see where we win in the argument of common use. I want this to be a common thing where people are using suppressors in self-defense shootings. I want people to start carrying and doing that. I think there’s a lot of advantages to Evan Nappen 43:44 having them in self-defense shootings because Teddy Nappen 43:46 if you go back to the old where it was like we’re using 45 for the stopping power or nine, this guy had a five-seven with the suppressor. We were putting out more rounds, and you’re protecting your hearing on that. So it’s definitely that new frame. It’s a very interesting Evan Nappen 44:01 choice, and I’m sure on the technical side, people will can always debate what’s the best. But the bottom line is, well, someone Teddy Nappen 44:09 was going to say like, but look, what’s really the best Evan Nappen 44:11 is that a good guy with a gun helped save the day, and that’s what really matters. Evan Nappen 44:17 And Teddy, I need to tell you about this week’s GOFU because I’ve been seeing a lot of it. GOFUs, as you know, are Gun Owner Fuck Ups. It’s where gun owners make expensive mistakes, costly mistakes, and you get to learn for free. I got to tell you, this week’s GOFU something I see. You know, when it comes to restoring rights, when it comes to getting an expungement, I have to say, do not do it yourself. Seek professionals that know how to do it. I’ve been getting more poorly, improperly done pro se, where the individual themselves tried to expunge their record. There’s too much to that law. Too many complications. Too many nuances. Too many things you have to know to do it right. And when you do it wrong, it’s 10 times more difficult to fix it, and it can end up costing you. If you expunge poorly, and then you apply to get your firearm because you think your rights are restored and they’re not, you end up with a denial. Now you end up with falsification of the application because you wrote no when you should have wrote yes. You wrote no because you thought you were expunged, but you didn’t do it properly. We see this all the time. There is an entire procedure. There are things you need to know. You need to go to a professional. Whether, you know, and I just don’t mean me. Like some attorney. We do them at my firm. We do plenty of expungements. We help people with that. It’s great. But you need to make sure whoever is doing your expungement really understands it, and especially does it Page – 12 – of 12 with gun ownership in mind. Because when it’s done poorly, it can absolutely come back and bite you in the behind. Evan Nappen 45:54 Hey, this is Evan Nappen and Teddy Nappen, reminding you that gun laws don’t protect honest citizens from criminals. They protect criminals from honest citizens. Speaker 2 46:01 Gun Lawyer is a CounterThink Media production. The music used in this broadcast was managed by Cosmo Music, New York, New York. Reach us by emailing Evan@gun.lawyer. The information and opinions in this broadcast do not constitute legal advice. Consult a licensed attorney in your state. Downloadable PDF TranscriptGun Lawyer S5 E302_Transcript About The HostEvan Nappen, Esq.Known as “America's Gun Lawyer,” Evan Nappen is above all a tireless defender of justice. Author of eight bestselling books and countless articles on firearms, knives, and weapons history and the law, a certified Firearms Instructor, and avid weapons collector and historian with a vast collection that spans almost five decades — it's no wonder he's become the trusted, go-to expert for local, industry and national media outlets. Regularly called on by radio, television and online news media for his commentary and expertise on breaking news Evan has appeared countless shows including Fox News – Judge Jeanine, CNN – Lou Dobbs, Court TV, Real Talk on WOR, It's Your Call with Lyn Doyle, Tom Gresham's Gun Talk, and Cam & Company/NRA News. As a creative arts consultant, he also lends his weapons law and historical expertise to an elite, discerning cadre of movie and television producers and directors, and novelists. He also provides expert testimony and consultations for defense attorneys across America. Email Evan Your Comments and Questions  talkback@gun.lawyer Join Evan's InnerCircleHere's your chance to join an elite group of the Savviest gun and knife owners in America.  Membership is totally FREE and Strictly CONFIDENTIAL.  Just enter your email to start receiving insider news, tips, and other valuable membership benefits.   Email (required) *First Name *Select list(s) to subscribe toInnerCircle Membership Yes, I would like to receive emails from Gun Lawyer Podcast. (You can unsubscribe anytime)Constant Contact Use. Please leave this field blank.var ajaxurl = "https://gun.lawyer/wp-admin/admin-ajax.php";

Everybody has an opinion about who should buy whole life insurance. We've given ours plenty of times — built on fifteen-plus years and a few hundred conversations about who it works for and who it doesn't. This week we did something different. We set the opinions aside and went looking for who actually owns cash value life insurance, according to the data. The headline is a paradox. Ownership just hit a record low — about 16% of American families held a cash value policy in 2022, down from more than 37% back in 1989. And yet the industry is selling more of it than ever: new individual life premiums set a record of $17.5 billion in 2025, up 10% in a single year. Fewer families own it, but the ones who do own a lot more of it. The buyer pool didn't disappear. It narrowed and concentrated. So who's left? Not who the stereotype says. We walk the numbers on-air, and a few of them go sideways from the sales pitch: the wealthiest households actually walked away from cash value the fastest, business owners and the self-employed own it at roughly double the rate of everybody else, and the single most-repeated selling point — "it's for risk-averse people" — turns out to be the least-supported claim in the entire body of research. What does hold up might surprise you: financial discipline, a genuinely complicated balance sheet, and having been around the financial block a time or ten. We also do the thing we always do — tell you where the data runs out. Correlation isn't a prescription; this product is sold and not bought, and no spreadsheet can tell you what's right for your situation. But by the end you'll have a much better set of questions to ask yourself than "am I the kind of person who buys this?" _______________________________________ If any of this hits close to home and you want to talk it through, send us a message or book a call with us. We'll give you the pluses and the minuses — no pitch, we promise.

Niels Kaastrup-Larsen and Harry Moore explore the latest developments in trend following, the AI investment boom and why diversification matters most when markets come under pressure. They discuss CTA performance, market dispersion, portable alpha, cash efficient portfolio construction and the role of trend following during major market drawdowns. The conversation also examines how artificial intelligence is transforming quantitative research, the practical challenges of portfolio implementation and new research linking classic Turtle Trading principles to modern portfolio theory.-----50 YEARS OF TREND FOLLOWING BOOK AND BEHIND-THE-SCENES VIDEO FOR ACCREDITED INVESTORS - CLICK HERE-----Follow Niels on Twitter, LinkedIn, YouTube or via the TTU website.IT's TRUE ? – most CIO's read 50+ books each year – get your FREE copy of the Ultimate Guide to the Best Investment Books ever written here.And you can get a free copy of my latest book “Ten Reasons to Add Trend Following to Your Portfolio” here.Learn more about the Trend Barometer here.Send your questions to info@toptradersunplugged.comAnd please share this episode with a like-minded friend and leave an honest Rating & Review on iTunes or Spotify so more people can discover the podcast.Follow Harry on LinkedIn.Episode TimeStamps:00:00 - Market headlines, AI investing and recent macro developments09:32 - Trend following performance and July market review18:42 - How market selection drives CTA performance22:21 - The AI trade and why trend following provides portfolio resilience30:36 - How AI is transforming quantitative research36:07 - Portable alpha and why cash efficiency matters46:14 - Cash buffers, margin management and implementation risks56:33 - Correlation, diversification and building resilient portfolios58:15 - The mathematics behind the Turtle Trading rules01:08:54 - Why risk management has always been the core of trend following01:11:28 - Understanding leverage in portable alpha strategies01:18:32 - Listener questions and final thoughtsCopyright © 2025 – CMC AG – All Rights Reserved----PLUS: Whenever you're ready... here are 3 ways I can help you in your investment Journey:1. eBooks that cover key topics that you need to know about In my eBooks, I put together some key discoveries and things I have learnt during the more than 3 decades I have worked in the Trend Following industry, which I hope you will find useful. Click Here2. Daily Trend Barometer and Market Score One of the things I'm really proud of, is the fact that I have managed to published the Trend Barometer and Market Score each day for more than a decade...as these tools are really good at describing the environment for trend following managers as well as giving insights into the general positioning of a trend following strategy! Click Here3. Other Resources that can help youAnd if you are hungry for more useful resources from the trend following world...check out some precious resources that I have found over the years to be really valuable. Click HerePrivacy PolicyDisclaimer

Episode Summary Dr. Brian Feeley interviews Dr. Nirav Pandya about the recently published study he co-authored on short-term workload patterns preceding Achilles tendon ruptures in NBA players — how the paper came together, what it did (and didn't) find, and why it caught national media attention. The discussion also digs into the difference between correlation and causation, the study's limitations, and what the finding might mean for how teams monitor player workload going forward. Timestamps & Topics 0:00 – Introduction & study overview Dr. Feeley sets up the paper's title and premise — a descriptive study looking at NBA Achilles tendon ruptures over roughly a ten-year period, prompted by a recent cluster of high-profile tears. Dr. Pandya walks through what triggered the research question and the study's basic design (no control group; retrospective look at workload leading into injury). 2:00 – The pattern in the data Dr. Pandya lays out the central finding: an increase in minutes played in the 10–15 games immediately before an Achilles rupture, even when season-long workload looked unremarkable. Early caveat that this is an observed trend, not a proven cause. 4:00 – Correlation vs. causation, sanity-checking the finding Dr. Feeley raises a lighter aside about spurious correlations (jokingly noting you could "find" a correlation with almost anything), which Dr. Pandya uses to frame why the workload spike is a plausible signal but not confirmed as causal. Comparison of modern soft-tissue injury patterns to blunt-force injuries seen decades ago. 6:00 – How big is the difference, really? Dr. Feeley presses on the actual magnitude of the workload increase (on the order of ~1–2 additional minutes per game); Dr. Pandya explains why that's clinically meaningful at the NBA level, given how much cumulative high-intensity activity is packed into that time. 8:00 – What are players actually doing with that extra time? Dr. Pandya speculates on mechanism — intensity, deceleration/jumping load, and fatigue accumulation over a 10–15 game stretch rather than any single game. He notes that back-to-back games did not show a correlation with Achilles injury risk in the data, which Dr. Feeley flags as somewhat surprising given how much back-to-backs are discussed in load-management conversations. Consistency of minutes over time floated as possibly more relevant than any single spike. 10:00 – Original hypothesis vs. what was found Dr. Pandya discusses going in expecting more of a cumulative, season-long load story and being surprised the signal clustered in that shorter pre-injury window instead. Discussion of confounders — hamstring injuries and other soft-tissue injuries as comparison points, and acknowledgment that the cohort skews toward star/veteran players logging heavy minutes. 12:00 – Limitations, and the media's reaction Dr. Pandya directly acknowledges the study's limitations (small cohort, no control group, correlation not causation) and voices frustration that some media coverage ran with the headline finding without engaging the full paper. He calls for the NBA and other leagues to be more open to collaborating with outside researchers so questions like this can be studied with better data access. 14:00 – What would you change? / closing thoughts Dr. Feeley asks what Dr. Pandya would do differently if responsible for NBA player health and safety — Dr. Pandya answers with more consistent, science-based load monitoring (tracking, muscle/movement monitoring) rather than ad hoc minute restrictions, and better use of player-reported feel/symptoms alongside objective data. Episode closes with the standard subscribe/follow call-to-action (Spotify, Apple, YouTube). Key Takeaways The study found a workload spike in the 10–15 games before Achilles rupture — not a season-long overuse pattern. No correlation was found between back-to-back games and Achilles injury risk in this cohort. The paper is explicitly descriptive/observational — the hosts are careful to frame it as hypothesis-generating, not proof of cause and effect. Media coverage tended to oversimplify the finding; the hosts encourage listeners to read the full paper rather than headlines. Consistency of workload over time may matter more than any single game or back-to-back stretch. Please subscribe to our podcast at Apple PodcastsCheck out our website on Simplecast

It's been a busy year for the Alpha Exchange podcast — 25 episodes so far and an exciting fall schedule ahead. Today I'm going solo, assessing a backdrop for market risk that has proven quite unique this year. In the discussion that follows, I want to share what's on my mind with respect to the prices we all stare at every day, and tie together three crosscurrents that look separate on the surface but are really one story. These themes are low correlation, spot up vol up dynamics, and the cheapness of market-based insurance.   First, correlation. Realized and implied correlation among S&P stocks have fallen to levels never seen before — one-month realized printed 0.4% in late July — and that's pinning index vol to the floor even as the stocks inside get more volatile. On the second front, a meaningful cohort of stocks are experiencing massive returns, and, atypically, seeing their options become more expensive at the same time. This is amplified by leveraged ETFs and there are unique implications for risk and trade construction.   Lastly, I argue that the price of insurance across equities, rates, FX and credit is exceptionally low relative to the vast uncertainty in markets, technology, and global affairs. If anything, the already rapid pace of change is only set to accelerate from here. It's a good idea to accumulate shock-absorbing options at low prices during sunny days. They will come in handy when the inevitable risk-off occurs, which I see as an underpriced scenario.   I hope you find this interesting and useful. Thank you for listening.   Editing and post-production work for this episode was provided by The Podcast Consultant (⁠https://thepodcastconsultant.com⁠)

Chuck Todd argues Republicans and the White House are frantically trying to manufacture headlines about the past precisely because the actual news of the present is terrible for the GOP, and because the very issues that got Trump elected are the ones he's now ignoring. Democrats are winning heading into the midterms, TChuck says; the only real question is by how much, which is exactly why Republicans are so desperate to feed their base culture-war red meat as a distraction. But the story Chuck argues is being dangerously underplayed is the Iran war, which is no longer a regional conflict at all: close to thirty countries have been directly involved, multiple nations have been hit, and the Iran and Ukraine wars have effectively merged through shared supply chains — Russia has launched thousands of Iranian-made drones at Ukraine, improved and manufactured them, and is now shipping them back to Iran, while Ukrainian air defense teams have been redeployed to the Middle East and the American stockpile of interceptor missiles has been so massively depleted that commanders are rationing them. He calls the war the dumbest mistake a president has made in decades, while rising oil prices help both Iran and Russia.. It's not World War III, he cautions, but it's genuinely hard to see how it ends, and Congress should be singularly focused on it and simply isn't. He then pivots to what he calls a politics of AI that hasn't been invented yet, where the public is way ahead of the politicians: 72% of Americans have used AI in the past three months and like it, but the vast majority don't trust big tech or the AI companies, and the fierce backlash against data centers is really the manifestation of a deeper anger ever since tech companies stopped trying to improve lives and started maximizing engagement. The public isn't rejecting AI, he argues, it's rejecting the technologists, and Trump has planted himself firmly on the side of the tech companies over the public. He closes by lamenting that political energy is being spent on Fauci rather than pandemic preparedness — before quick hits on Todd Achilles getting a one-on-one race in Idaho, Seth Bodnar leading in Montana if the Democrat can be coaxed into dropping out, and the question hanging over Michigan: if Abdul El-Sayed loses, will it have been because of Mamdani's Israel speech? Then, Kentucky Governor Andy Beshear — the popular two-term Democrat in a deep-red state and a name increasingly floated for 2028 — joins the Chuck Toddcast for a wide-ranging conversation that opens with Kentucky's famous Fancy Farm Picnic and the increasingly countercultural idea that political disagreement shouldn't make people enemies. Beshear turns pointed on Mitch McConnell, who he says has been absent for six weeks without speaking to him, arguing that McConnell has a fundamental duty to level with the people of Kentucky about his condition.. Beshear notes the governor has no authority to declare a vacancy, calls on John Thune to help put the concerns to rest, and observes pointedly that if the situation were reversed, McConnell would be ruthlessly tactical about it — and that the right should arguably be angrier, since it's one fewer vote for the GOP agenda. Beshear reflects at length and with real emotion on the COVID years, which he calls the war of our time with a higher casualty rate than most Americans appreciate, credits Kentucky's expanded Medicaid with keeping the state from running out of hospital beds, and warning that Trump's "Big Beautiful Bill" will close 35 hospitals in Kentucky alone. He's sharply critical of Rand Paul for dragging Fauci into character-assassination hearings while staying conspicuously silent on McConnell, and reminds listeners it was Trump who ordered governors to shut down the economy, not Fauci. The conversation turns to Beshear's political philosophy and the road ahead for Democrats. He rejects the "moderate" label in favor of "pragmatic," arguing that the constant battle to label everyone misses how much more complicated reality actually is. Beshear makes the case that Democrats don't win by becoming a Democratic version of McConnell or Trump, that the party needs to be the party of making the economy work again, and that it should champion structural reforms like campaign finance amendments, outlawing gerrymandering, and directly electing the president. He's visibly frustrated with Democrats who blame other Democrats when Republicans are the ones doing the damage — there's no time for "woulda-couldas," he argues, when Trump and the GOP are inflicting this much harm. As a leader in the Democratic Governors Association, Beshear lays out where he sees real opportunity: big resources heading into Georgia, the critical importance of Katie Hobbs winning in Arizona to ensure a fair 2028 election, and the DGA's willingness to spend anywhere it can win. He addresses the data center backlash as fundamentally rooted in anxiety about AI and big tech's failure to talk to the communities it moves into, and stays characteristically coy about his own 2028 ambitions. Finally, Chuck presents his ToddCast Top 5 Independents/Independent minded leaders who could reshape the U.S. Senate and answers listeners’ questions in the “Ask Chuck” segment. Play ball and swing for the fences on FanDuel, an official partner of the MLB at https://FANDUEL.COM. Protect your family with life insurance from Ethos. Get up to $3 million in coverage in as little as 10 minutes at https://ethos.com/chuck. Application times may vary. Rates may vary. For free and unbiased Medicare help, dial (980) 734-3985 to speak with my trusted partner, Chapter, or go to askchapter.org/chuck /*Paid Partnership Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan’s contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don’t directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Timeline: (Timestamps may vary based on advertisements) 00:00 Chuck Todd’s introduction 02:45 Republicans & WH are trying to manufacture the headlines 03:15 Attacking Fauci, going after Smithsonian, relitigating 2020 election 04:00 These stories are about yesterday, modern headlines are bad for GOP 04:30 The issues that got Trump elected are the issues he’s ignoring 05:30 Dems are winning heading into midterms, question is by how much 07:00 Republicans are desperate to distract their base 07:45 They believe the culture war red meat will turn out their base 08:45 The Iran war is being underplayed 09:45 There have been close to thirty countries directly involved in the war 10:45 Multiple countries have been hit directly during the war 11:30 This is not a regional war 12:00 Multiple countries have been directly involved in kinetic action 13:30 Multiple countries also involved in, or hosted peace talks 15:00 The Ukraine & Iran wars have merged through supply chains 15:45 Nervous that this conflict could go global 16:15 Russia has launched thousands of Iranian made drones at Ukraine 16:45 Russia improved & manufactured drones, now shipping them back to Iran 17:30 Ukraine air defence teams have been sent to the middle east 18:45 American stockpile of air defense missiles has been massively depleted 19:30 Military commanders are having to ration interceptor missiles 20:00 This war was the dumbest mistake a president has made in decades 21:15 Both conflicts are eating from the same plate 21:45 War caused a rise in oil prices, which helped both Iran and Russia 22:15 Beijing hasn’t been a bystander in these conflicts 23:15 Decapitation strikes have been proven not to work 24:00 Everyone is learning the same lessons, including America’s adversaries 24:45 This is not World War 3, but it’s hard to see how this war ends 25:45 Congress should be singularly focused on this war, and it isn’t 27:00 This started as an Iran/Israel dispute, now the world has been dragged in 28:15 The politics of AI hasn’t been invented yet, public is ahead of politicians 29:15 72% of Americans have used AI in the past three months & like using it 29:45 Vast majority of Americans don’t trust big tech or the AI companies 31:00 There’s a disconnect on AI between politicians the American public 31:45 Backlash against data centers is the manifestation of anger at big tech 32:45 Politicians want to manage backlash, not understand what’s behind it 35:00 Seeing political banners against data centers flying over Pensacola beach 37:15 The politicians are trying to play catch up on the politics of AI 37:45 Americans didn’t always distrust big tech 38:45 Tech companies stopped trying to improve lives, now maximize engagement 40:15 Americans feel we’re being optimized, not served by big tech 41:15 Protecting kids from tech is now an issue with massive bipartisan support 42:45 The public isn’t rejecting AI, they’re rejecting the technologists 44:30 Trump sides with the tech companies over the public 45:45 Politicians are captured by, or afraid of big tech cash in politics 48:00 Frustrating that political energy is spent on Fauci, not pandemic preparedness 48:30 Fauci became a vessel for every frustration about COVID 49:00 Fauci had one job, tell the public what the medical risks were 50:30 We had 2,000 Americans dying a day 51:30 We have to remember the conditions under which decisions were made 52:00 Rand Paul released thousands of pages of Fauci’s pandemic era journals 52:30 Pleading the 5th makes people look guiltier than they are 53:15 We learned Fauci loves media attention, but so does Rand Paul 54:15 Relitigating the origins of Covid doesn’t help prepare for the next pandemic 55:15 Rand Paul is undermining his own credibility by attacking Fauci 55:45 Todd Achilles will get a 1 on 1 race in Idaho 56:30 Seth Bodnar leading in Montana in 1 on 1, but Dem resisting dropping out 57:45 If El-Sayed loses in Michigan… was it because of Mamdani’s Israel speech? 1:04:15 Governor Andy Beshear joins the Chuck ToddCast 1:05:30 Kentucky’s Fancy Farm Picnic & its role in politics 1:06:45 Picnic brings politicians from both sides of the aisle together 1:07:15 Having different political beliefs shouldn’t make you an “enemy” 1:07:45 Not attending the picnic to attend his son's final travel baseball game 1:09:30 Haven’t spoken to Mitch McConnell, he’s been absent six week 1:10:00 McConnell has a duty to level with the people of Kentucky 1:10:45 The governor doesn’t have authority to declare a vacancy 1:11:15 John Thune should help put the concerns to rest 1:13:00 The harm is that the senator refuses to level with his constituents 1:13:30 If situation was reversed, McConnell would be ruthlessly tactical 1:14:00 There’s one less vote for GOP agenda, the right should be more mad 1:15:00 Social media helps create a misinformation vacuum about McConnell 1:16:30 Democrats don’t win by being a Democratic version of McConnell or Trump 1:17:15 If he had to miss a week as governor, he’d feel obligated to inform the public 1:18:00 Lack of video of McConnell makes the public think he can’t do it 1:18:45 McConnell tried to beat him three straight times and failed 1:19:15 McConnell may end up tarnishing his legacy due to unexplained absence 1:20:00 Rand Paul dragged Fauci into a hearing, but mum on McConnell 1:20:45 Fauci hearings are just an exercise in character assassination 1:22:00 This feels like a personal vendetta from Paul against Fauci 1:22:45 Mike Pence set up a competent experienced team during COVID 1:23:15 Trump ordered the governors to shut down the economy, not Fauci 1:23:45 Vaccine was the fastest remedy created in human history 1:25:30 Made pandemic decisions based on what would save the most lives 1:26:00 Remember the death toll in Kentucky vividly 1:27:00 COVID was ultimate test of the parable of the good samaritan 1:27:45 COVID was the war of our time, with an even higher casualty rate 1:28:15 Teachers & educators needed to be in the first batch of vaccinations 1:29:45 Kentucky didn’t run out of hospital beds due to expanded Medicaid 1:30:15 Trump’s Big Beautiful Bill will close 35 hospitals in Kentucky 1:31:15 Doesn’t consider himself a “moderate”, but instead he’s “pragmatic” 1:32:00 Can be both pro-business and pro-worker 1:32:30 There’s a battle to label everyone, but reality is more complicated 1:33:00 How big should the Democratic tent be? 1:34:00 There’s space to do things that both sides agree on 1:34:30 Why are Democratic activists so mad at the establishment? 1:35:15 Democrats need to be the party of making the economy work again 1:35:45 Need amendments for campaign finance & outlawing gerrymandering 1:36:30 The president should be directly elected 1:37:00 Dems blame others Dems when Republicans are doing something wrong 1:37:45 Can’t do “woulda couldas” when Trump & GOP are doing so much damage 1:39:15 What’s the pitch in Wisconsin gubernatorial if both candidates are outsiders? 1:40:00 Joe Biden won on the idea of him being the most electable 1:40:30 Trump’s policies are hitting everyday Americans harder 1:41:15 Governor’s association plan to put big resources into Georgia 1:41:45 Believe that Democrats will flip the governor’s mansion in GA 1:42:15 Katie Hobbs has to win to ensure a fair election in Arizona in ‘28 1:44:30 Trump inspired Canadian boycotts that have hit the economy hard 1:45:45 Winner of the Wisconsin primary will come out stronger 1:46:15 Jocelyn Benson is a great candidate for Michigan 1:47:00 Amy Acton can win regardless of the senate race 1:47:30 Correlation between governor and senate races 1:50:15 Can Dems pull off gubernatorial upsets in Texas or Florida? 1:50:45 DGA will spend resources wherever they can win 1:52:00 Focused on winning gubernatorial races, then will ponder run in ‘28 1:52:45 Important to declare presidential candidacy early? 1:53:30 Dems primary calendar will produce candidate that can win everywhere 1:54:30 Do you consider Kentucky a southern state? 1:55:15 Could Israel splinter the party and make elections unwinnable? 1:56:00 Will Doug Jones get DGA help? 1:57:30 Data center backlash comes from concern about AI 1:58:15 Big tech isn’t talking to the communities where they put data centers 1:58:45 Tech should be paying for their electricity & fair share of taxes 2:01:15 We need rational leaders, don’t know where AI/tech is going 2:02:30 Any effort to get an NBA franchise in Kentucky? 2:04:15 Favorite NBA team 2:05:45 Chuck’s thoughts on interview with Andy Beshear 2:07:00 ToddCast Top 5 Independents who could shape the senate 2:07:30 #5 Todd Achilles 2:10:00 #4 Dan Osborne 2:12:15 #3 Seth Bodnar 2:13:30 #2 Lisa Murkowski 2:14:30 #1 John Fetterman 2:17:15 Ask Chuck 2:18:15 Correction for answer on the last pod 2:20:30 Why haven’t we heard much about the people who tried to kill Trump? 2:27:45 Can Trump take the Qatari jet that’s had taxpayer $ spent on it? 2:31:00 What motivates those closest to Trump? Do they believe what they’re saying? 2:34:30 Can you explain the history of the term “lobbyist”? 2:39:45 Thoughts on the funding model of the BBC?See omnystudio.com/listener for privacy information.

Kentucky Governor Andy Beshear — the popular two-term Democrat in a deep-red state and a name increasingly floated for 2028 — joins the Chuck Toddcast for a wide-ranging conversation that opens with Kentucky's famous Fancy Farm Picnic and the increasingly countercultural idea that political disagreement shouldn't make people enemies. Beshear turns pointed on Mitch McConnell, who he says has been absent for six weeks without speaking to him, arguing that McConnell has a fundamental duty to level with the people of Kentucky about his condition.. Beshear notes the governor has no authority to declare a vacancy, calls on John Thune to help put the concerns to rest, and observes pointedly that if the situation were reversed, McConnell would be ruthlessly tactical about it — and that the right should arguably be angrier, since it's one fewer vote for the GOP agenda. Beshear reflects at length and with real emotion on the COVID years, which he calls the war of our time with a higher casualty rate than most Americans appreciate, credits Kentucky's expanded Medicaid with keeping the state from running out of hospital beds, and warning that Trump's "Big Beautiful Bill" will close 35 hospitals in Kentucky alone. He's sharply critical of Rand Paul for dragging Fauci into character-assassination hearings while staying conspicuously silent on McConnell, and reminds listeners it was Trump who ordered governors to shut down the economy, not Fauci. The conversation turns to Beshear's political philosophy and the road ahead for Democrats. He rejects the "moderate" label in favor of "pragmatic," arguing that the constant battle to label everyone misses how much more complicated reality actually is. Beshear makes the case that Democrats don't win by becoming a Democratic version of McConnell or Trump, that the party needs to be the party of making the economy work again, and that it should champion structural reforms like campaign finance amendments, outlawing gerrymandering, and directly electing the president. He's visibly frustrated with Democrats who blame other Democrats when Republicans are the ones doing the damage — there's no time for "woulda-couldas," he argues, when Trump and the GOP are inflicting this much harm. As a leader in the Democratic Governors Association, Beshear lays out where he sees real opportunity: big resources heading into Georgia, the critical importance of Katie Hobbs winning in Arizona to ensure a fair 2028 election, and the DGA's willingness to spend anywhere it can win. He addresses the data center backlash as fundamentally rooted in anxiety about AI and big tech's failure to talk to the communities it moves into, and stays characteristically coy about his own 2028 ambitions. Play ball and swing for the fences on FanDuel, an official partner of the MLB at https://FANDUEL.COM. Protect your family with life insurance from Ethos. Get up to $3 million in coverage in as little as 10 minutes at https://ethos.com/chuck. Application times may vary. Rates may vary. For free and unbiased Medicare help, dial (980) 734-3985 to speak with my trusted partner, Chapter, or go to askchapter.org/chuck /*Paid Partnership Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan’s contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don’t directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Timeline: (Timestamps may vary based on advertisements) 00:00 Governor Andy Beshear joins the Chuck ToddCast 01:15 Kentucky’s Fancy Farm Picnic & its role in politics 02:30 Picnic brings politicians from both sides of the aisle together 03:00 Having different political beliefs shouldn’t make you an “enemy” 03:30 Not attending the picnic to attend his son's final travel baseball game 05:15 Haven’t spoken to Mitch McConnell, he’s been absent six week 05:45 McConnell has a duty to level with the people of Kentucky 06:30 The governor doesn’t have authority to declare a vacancy 07:00 John Thune should help put the concerns to rest 08:45 The harm is that the senator refuses to level with his constituents 09:15 If situation was reversed, McConnell would be ruthlessly tactical 09:45 There’s one less vote for GOP agenda, the right should be more mad 10:45 Social media helps create a misinformation vacuum about McConnell 12:15 Democrats don’t win by being a Democratic version of McConnell or Trump 13:00 If he had to miss a week as governor, he’d feel obligated to inform the public 13:45 Lack of video of McConnell makes the public think he can’t do it 14:30 McConnell tried to beat him three straight times and failed 15:00 McConnell may end up tarnishing his legacy due to unexplained absence 15:45 Rand Paul dragged Fauci into a hearing, but mum on McConnell 16:30 Fauci hearings are just an exercise in character assassination 17:45 This feels like a personal vendetta from Paul against Fauci 18:30 Mike Pence set up a competent experienced team during COVID 19:00 Trump ordered the governors to shut down the economy, not Fauci 19:30 Vaccine was the fastest remedy created in human history 21:15 Made pandemic decisions based on what would save the most lives 21:45 Remember the death toll in Kentucky vividly 22:45 COVID was ultimate test of the parable of the good samaritan 23:30 COVID was the war of our time, with an even higher casualty rate 24:00 Teachers & educators needed to be in the first batch of vaccinations 25:30 Kentucky didn’t run out of hospital beds due to expanded Medicaid 26:00 Trump’s Big Beautiful Bill will close 35 hospitals in Kentucky 27:00 Doesn’t consider himself a “moderate”, but instead he’s “pragmatic” 27:45 Can be both pro-business and pro-worker 28:15 There’s a battle to label everyone, but reality is more complicated 28:45 How big should the Democratic tent be? 29:45 There’s space to do things that both sides agree on 30:15 Why are Democratic activists so mad at the establishment? 31:00 Democrats need to be the party of making the economy work again 31:30 Need amendments for campaign finance & outlawing gerrymandering 32:15 The president should be directly elected 32:45 Dems blame others Dems when Republicans are doing something wrong 33:30 Can’t do “woulda couldas” when Trump & GOP are doing so much damage 35:00 What’s the pitch in Wisconsin gubernatorial if both candidates are outsiders? 35:45 Joe Biden won on the idea of him being the most electable 36:15 Trump’s policies are hitting everyday Americans harder 37:00 Governor’s association plan to put big resources into Georgia 37:30 Believe that Democrats will flip the governor’s mansion in GA 38:00 Katie Hobbs has to win to ensure a fair election in Arizona in ‘28 40:15 Trump inspired Canadian boycotts that have hit the economy hard 41:30 Winner of the Wisconsin primary will come out stronger 42:00 Jocelyn Benson is a great candidate for Michigan 42:45 Amy Acton can win regardless of the senate race 43:15 Correlation between governor and senate races 46:00 Can Dems pull off gubernatorial upsets in Texas or Florida? 46:30 DGA will spend resources wherever they can win 47:45 Focused on winning gubernatorial races, then will ponder run in ‘28 48:30 Important to declare presidential candidacy early? 49:15 Dems primary calendar will produce candidate that can win everywhere 50:15 Do you consider Kentucky a southern state? 51:00 Could Israel splinter the party and make elections unwinnable? 51:45 Will Doug Jones get DGA help? 53:15 Data center backlash comes from concern about AI 54:00 Big tech isn’t talking to the communities where they put data centers 54:30 Tech should be paying for their electricity & fair share of taxes 57:00 We need rational leaders, don’t know where AI/tech is going 58:15 Any effort to get an NBA franchise in Kentucky? 1:00:00 Favorite NBA teamSee omnystudio.com/listener for privacy information.

JJ and Rich break down some of the biggest recent average draft position risers and fallers before JJ is joined by Establish the Run's Adam Levitan. The two discuss optimal draft strategy for 2026, Adam's favorite late-round targets, the importance of Week 17 correlation, and so much more. ---------- Download the DraftKings Daily Fantasy app and sign up with promo code LATEROUND. Enter a lineup in the $20 million Best Ball contest for $25 and get a bonus ticket for a second entry — two shots at the title. Draft One, Get One, only on DraftKings. The Crown Is Yours.Gambling Problem? Call 1-800-GAMBLER or 877-8-HOPENY/text HOPENY (467369) (NY). Help is available for problem gambling. Call (888) 789-7777 or visit ccpg.org (CT). 18+ in most eligible states, but age varies by jurisdiction. Eligibility restrictions apply. Void where prohibited. 1 per customer. Must enter a lineup into the NFL Best Ball $20M Headliner Contest. $25 entry fee. Bonus issued as 1 ticket to NFL Best Ball $20M Headliner Contest. Ticket reward is site credit valid for use only on NFL Best Ball $20M Headliner Contest. Ticket reward is single-use and expires at contest lock on 9/9/26. See terms at https://www.draftkings.com/promotions. Ends 9/9/26 at contest lock. Sponsored by DraftKings.See omnystudio.com/listener for privacy information.

We got intellectually swole on creatine and astrology before this great episode! The main science topic was a study connecting carb oxidation to hydration status. We explain how hydration is the gateway to fueling.We also provided details of the first week of David's creatine experiment. There is some very strange heart rate data that we're tracking. Correlation or causation? We'll find out!And this one was full of fun topics! Other topics: bailing on workouts on bicarb days, how runners should think about improving bike power, tons of thoughts from the Tour de France including the massive power numbers and a follow-up on overnight drug testing, AI in mathematics, a fantastic article in JAMA on tendon healing, and questions on dealing with an identity crisis in athletics, stairmill v. biking, a listener passionate about oysters, a grooming tip, Malcolm Gladwell, stoppage time in runs, and low iron levels.You'll never look at Cheez-Its the same. We're sorry and/or thank you. We love you all! HUZZAH!-David and MeganClick "Get 40% Off" button for 40% off at The Feed here: thefeed.com/swapBuy Janji's amazing gear: https://janji.com (code "SWAP")Get a deal on the best treadmill on the market from Wahoo: https://www.wahoofitness.com/devices/running/treadmills/kickr-run-buy (code “SWAP”)For training plans, weekly bonus podcasts, heart rate zones, articles, and videos: patreon.com/swap

Democrats dominate the nation's largest cities and several entire states, places where trillions in cumulative spending have flowed through their preferred programs, yet measurable quality-of-life metrics—crime, homelessness, educational attainment, family stability—routinely rank among the worst in the developed world. The claim is never that their approach merely falls short; it is that the alternative is heartless.  The lived reality in Chicago, Baltimore, San Francisco, Los Angeles, and large stretches of New York and Illinois tells a different story: problems that existed before are now supercharged, layered with new layers of dependency and extraction. This is not random misfortune.  When ideology treats government as the primary engine of human flourishing and views skepticism of that engine as moral failure, the incentives shift.  Production gives way to redistribution. Oversight gives way to expansion. The people who staff and administer these systems often share the worldview that more money and more programs equal better outcomes by definition. When results disappoint, the response is rarely self-examination; it demands more resources and lobs accusations against anyone pointing at the scoreboard. Two patterns stand out that rarely make the evening news in their full context.  First, public-choice analysis of large transfer programs shows that once concentrated interests gain access to diffuse taxpayer funds, the political and bureaucratic machinery tends to prioritize maintaining and growing those flows over efficient delivery to the intended recipients.  The second is more cultural: jurisdictions with the longest uninterrupted progressive governance often display the highest per-capita government spending alongside the weakest private-sector job creation and the most visible street-level disorder.  Correlation is not destiny, but when the same pattern repeats across continents and decades—whether in certain European welfare states or American blue strongholds—the refusal to examine the underlying assumptions becomes its own form of evidence.   If the model produced anything resembling the promised uplift, we would see at least one flagship city or state where decades of dominance translated into visibly superior results on the ground rather than superior rhetoric.  Instead, the strongest Democratic strongholds function as cautionary exhibits. The question worth asking is straightforward: when the ideology that claims exclusive ownership of compassion has controlled the levers in the places with the most visible human suffering for the longest time, at what point does the repeated failure stop being blamed on external forces and start being examined as a feature of the approach itself?   Schools sit at the heart of any society's claim to invest in the future. When the institutions charged with teaching the next generation become vehicles for personal enrichment, the betrayal cuts deeper than ordinary graft. A recent joint report from the State Financial Officers Foundation and OpenTheBooks documented roughly $225 million in alleged education-related fraud across 24 states and Puerto Rico over just six years. The cases involved embezzlement, phony invoices, inflated enrollment, bid-rigging, and kickbacks. California stood out among the worst offenders. In one Orange County district, a former fiscal services director allegedly drained nearly $16.7 million—roughly $3,553 per student—into luxury homes, vehicles, and designer goods.  Separate cases in Southern California showed school leaders treating district accounts as personal slush funds on a scale that would bankrupt smaller operations outright. These were not isolated errors in judgment; they were sustained, multi-year operations that required complicity or willful blindness at multiple levels. Illinois offers a parallel window into how public office and grant-making intersect with personal gain. In July 2026, federal prosecutors indicted State Representative Carol Ammons and her husband, Champaign County Clerk Aaron Ammons, on multiple counts including wire fraud and obstruction-related charges. The alleged scheme, running from 2017 into 2025, involved converting campaign contributions for personal use and steering state grants toward organizations that employed their daughter. The pattern is not that every educator or administrator is corrupt. It is that the combination of large, lightly monitored public budgets, ideological resistance to rigorous accountability, and a political culture that treats criticism of the system as an attack on the vulnerable creates fertile ground for those willing to exploit it. When the same jurisdictions that lecture the nation on equity and investment simultaneously produce headline-grabbing cases of insiders treating school funds as personal wealth transfers, the disconnect between rhetoric and results becomes impossible to ignore. Kevin Jackson has been called, the "white-collar" Joe Rogan. Given their similar backgrounds in TV, comedy, and martial arts, it's easy to see why people enjoy Kevin's show so much. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Carley Garner breaks down the recent rally in the energy market, explaining why crude oil climbed to $90 a barrel for the first time since June 11. She argues the rally likely would have happened without U.S. involvement, just not as quickly. She also argues the gold market was pricing in geopolitical conflict before the broader market recognized the risks and makes a correlation between it and crude oil. ======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

In this episode of Facts vs Feelings, Ryan Detrick and Sonu Varghese welcome back JC Parets, founder of Trend Labs (formerly of All Star Charts), for a wide ranging conversation on market breadth, momentum, and where the "dumb money" is currently making its biggest mistakes. JC walks through his deductive approach to markets, using breadth data like the NYSE advance decline line and the percentage of Russell 3000 stocks above their 200 day moving average to systematically rule out a bear market thesis, the same way a sommelier deduces a wine varietal.The conversation covers the dollar's surprising resilience as a headwind, the extreme dispersion between software and semiconductor stocks, why crypto and tokenized equities represent "the future of finance" rather than nothing of value, and why the S&P Bank Index breaking out above its 2007 highs is one of the most underappreciated bullish signals in the market. JC and Sonu also debunk the margin debt to GDP scare narrative, put leveraged ETF flows in perspective, and discuss portfolio construction through uncorrelated strategies rather than benchmark chasing. They close out with career advice on social media, JC's favorite cities to visit, and a debate over India's food scene.[Key Takeaways]The NYSE advance decline line closed at an all time high, and the percentage of Russell 3000 stocks above their 200 day moving average is at cycle highs, both inconsistent with bear market conditions, which require broadening weakness across new lows, not just a handful of names.Despite a rallying dollar this year, equities have held up well; a dollar rollover (speculators are currently net long and near extremes) could act as a tailwind for risk assets, emerging markets, and Latin America.Correlation between software stocks and the broader technology index fell to near zero (versus a typical ~70), an extreme unwind that's now driving a "catch up" rotation back into software as some semiconductor strength cools.The S&P Bank Index just broke out above its 2007 Great Financial Crisis highs, alongside breakouts in mid cap financials, small cap financials, and European financials, a broad based signal JC argues is very difficult to reconcile with an imminent recession.Margin debt scares are overstated when framed against GDP; relative to total stock market value, leverage is near multi decade lows, and leveraged ETF products remain a rounding error (about 0.25%) of total market size.Small cap and large cap value are hitting new multi month relative highs versus growth, offering a potential diversifier to a volatile, whipsaw prone momentum factor.Jump to:0:00 - Welcome And Price As Proof2:54 - Breadth Signals Still Say Bull9:01 - Bitcoin Bets And Dollar Tailwinds10:52 - Tech Dispersion And Software Catch-Up12:53 - Crypto Rails And Tokenized Stocks15:58 - Financials Breakout Challenges The Bears24:59 - Margin Debt Myths And Leverage Reality30:02 - Momentum Whiplash And Value Diversifiers34:06 - From All-Star Charts To Trend Labs39:40 - Uncorrelated Strategies Beat Benchmark Anxiety42:56 - Technician Mentors And Who To Follow48:00 - Social Media That Builds Careers55:18 - Crack Spreads And Energy Signals58:31 - Gratitude And Final TakeawaysConnect with Ryan:• LinkedIn: https://www.linkedin.com/in/ryandetrick/• X: https://x.com/RyanDetrickConnect with Sonu:• LinkedIn: https://www.linkedin.com/in/sonu-varghese-phd/• X: https://x.com/sonusvarghese?lang=enQuestions about the show? We'd love to hear from you! factsvsfeelings@carsongroup.com

Joe Consorti is a Bitcoin and global capital markets researcher, and a leading voice at the intersection of Bitcoin & institutional finance.› https://x.com/joeconsorti› https://youtube.com/@joeconsortiPARTNERS

The headlines say your thyroid medication might cause cancer. Before you stop taking it, read this. A 2021 study of over 600,000 people found that long-term levothyroxine users had higher rates of several cancers. That number spread quickly, and for good reason. It sounds alarming. But the study had a critical flaw: it could not separate the effect of the medication from the autoimmune disease that caused people to need it in the first place. In this episode, Evan H. Hirsch, MD breaks down what the research actually found, why Hashimoto's is likely behind the numbers, and what to focus on if you want your health to actually improve. In this episode, you'll learn: Why the study cannot prove levothyroxine caused the cancer, and what it was actually measuring How Hashimoto's thyroiditis, not the medication, likely explains the elevated cancer risk What the study got wrong about who it compared, and why that changes the conclusion Why switching to natural or desiccated thyroid does not reduce your cancer risk What drives autoimmune thyroid disease, and what you can actually do about it Why stopping thyroid medication is not the answer if you want to improve your health Discover your fatigue score and the root causes keeping you stuck: https://myfatiguescore.com Free Fatigue Masterclass: https://fixyourfatigue.com See real results: https://energymdmethod.com/results Chapters: 00:00 - Does Levothyroxine Cause Cancer? 00:31 - What the Research Actually Found 01:22 - Correlation vs. Causation Explained 02:39 - Hashimoto's and Cancer Risk 03:43 - The Toxic 5 and Autoimmune Thyroid Disease 04:50 - Should You Stop Taking Levothyroxine? 06:00 - The Real Root Cause to Address Subscribe to the EnergyMD Podcast for weekly conversations with leading experts on resolving ME/CFS and Long COVID by addressing the real root causes. . For more information about Evan and his program, Click Here.  Prefer to watch on Youtube? Click Here.  Please note that any information in this episode is for educational purposes only and does not constitute medical advice.

Alex Shahidi, Managing Principal at Evoke Advisors and co-portfolio manager of the RPAR Risk Parity ETF and UPAR Ultra Risk Parity ETF, joins Michael Gayed on Lead-Lag Live to unpack why gold belongs at the core of a modern risk-parity portfolio — and why the traditional 60/40 keeps failing in inflationary regimes. In this first of a new series of narrower, single-topic risk-parity conversations, Alex walks through the three-step framework behind RPAR and UPAR, explains why correlation is a byproduct rather than a driver of diversification, and makes the structural case for gold as an anti-paper-money hedge against fiat debasement, sovereign debt monetization, and central-bank de-dollarization. Topics covered: (00:00) A different kind of Lead-Lag Live — post-close, single-topic risk-parity series with Alex Shahidi (00:57) The three-step risk-parity framework: diverse asset classes, risk-balancing, and rebalancing (02:15) Why the traditional 60/40 concentrates almost all risk in stocks (02:44) Correlation is a byproduct — the four economic environments that actually drive returns (04:26) Adding assets with the opposite inflation bias: gold, commodities, and TIPS (04:50) The growth-vs-inflation quadrant framework and reading market-implied environments (06:18) Gold as an investment: cutting through the gold-bug and gold-skeptic extremes (07:13) The 55-year track record — gold's return, low correlation, and diversification value (08:40) Inside RPAR: why gold is separated from commodity producers as its own bucket (09:53) How gold behaves like a bond in a downturn — the Q1 2020 case study (11:20) When gold doesn't outperform: the liquidity-tightening exception (12:17) The narrative around gold — why every asset needs a story for capital to flow (13:15) Fiat debasement, currency printing, and gold's structural tailwind (14:43) Central-bank de-dollarization since 2022 and the shift into gold reserves (16:08) The bear case: what would derail gold from here (16:33) "Why buy something that yields nothing?" — the pricing-power counterargument (18:24) Building a portfolio with meaningful gold exposure to balance equity risk (19:41) Bullish on diversification, not predictions — the discipline of rebalancing (20:39) Closing thoughts on the new single-asset-class series with Alex About Evoke Advisors: Evoke Advisors is a Los Angeles–based independent wealth-management firm. Alex Shahidi co-manages the RPAR Risk Parity ETF and UPAR Ultra Risk Parity ETF, applying a systematic risk-parity approach designed to balance exposures across the four macro environments — rising and falling growth, rising and falling inflation. Where to find Alex Shahidi: Evoke Advisors: evokeadvisors.com LinkedIn: Alex Shahidi, CFA, CIMA The Lead-Lag Report: Get Michael's institutional-grade macro research and market analysis. leadlagreport.com Sponsored by Evoke Advisors: Evoke's risk-parity strategies — RPAR and UPAR — offer diversified exposure across global equities, commodities, gold, and treasuries designed to perform across all four macro environments. Learn more at evokeadvisors.com. Disclaimer: The content of this podcast is for informational purposes only and is not intended as personalized investment advice. Views expressed reflect the current opinions of Michael A. Gayed, CFA, and guests as of the date recorded, are subject to change without notice, and do not represent the views of any firm or entity. Investing involves risk, including the possible loss of principal. Past performance is not indicative of future results. Consult a qualified financial advisor before making investment decisions. Lead-Lag Media and its principals may hold positions in the securities discussed. Support the show

In this episode we answer emails from I Have No Name, Shellie, Midwest Nice, and Mr. Ed (a motley crew indeed!).  We discuss some massively funny generosity to our Top of the T-Shirt Campaign for the Father McKenna Center, an odd small cap value fund in a 401(k) and the issues surrounding holding too much cash, how stocks and long-term treasury bonds can both rise while still showing negative correlation and how that relates to the Four Quadrant Model, and redeploying proceeds from the sale of real estate.  And lutefisk.And THEN we our go through our weekly portfolio reviews of the eight sample portfolios you can find at Portfolios | Risk Parity Radio.Links:Father McKenna Center Donation Page (please mention Risk Parity Radio in the comment section with your donation):  Donate - Father McKenna CenterPMJAX at Morningstar:  PMJAX – Portfolio – PIMCO RAE US Small A | MorningstarPMJAX Comparison:  Asset Analyzer for ETFs, Stocks, and Funds | testfolioPortfolios With More and Less Cash Comparison:  Portfolio Backtester for ETFs and Asset Allocation | testfolioS&P500 and LT Treasury Bond Comparison:  Asset Analyzer for ETFs, Stocks, and Funds | testfolioThe Four Quadrant Model Exquisitely Explained With Illustrations Inspired By Vermeer:  The Four Quadrant Wealth Atlas.pdf - Google DriveFour Quadrant Model Video:  Understanding Correlations and Diversification Using the Four Quadrant ModelBreathless Unedited AI-Bot Summary:A listener spots a new “small cap value” option in a 401(k) and asks the question most DIY investors eventually face: how do you tell what a fund really is when the plan uses a custom name and no ticker? We walk through a practical, repeatable research process using an AI chatbot (Gemini or ChatGPT) to find the closest public equivalent, then confirming style exposure and performance on Morningstar and Testfol.io. Along the way we discuss what “micro” exposure can mean, why “perfect” isn't required inside a restrictive plan, and how you can still build a solid risk parity-style asset allocation with the tools you have.Then we tackle the comfort blanket that can quietly cost you money: cash. We explain cash drag, why holding 25% in cash can act like you're not investing a quarter of your portfolio, and why bucket strategies don't magically solve sequence of returns risk just by relabeling accounts. We also dig into tax-efficient investing and asset location, including why taxable cash interest can be brutal in retirement and when it may make sense to reposition assets between taxable and retirement accounts.A father writes in with his son's surprisingly sharp question about bond stock correlation: if stocks go up over time and long-term Treasury bonds are negatively correlated, do bonds usually go down? We answer with long-run data, show why both can rise while still diversifying each other, and point to specific regimes like 2000 to 2010 versus 2022. We also field a real-world planning scenario on investing property sale proceeds while keeping ACA premium tax credits in mind by managing MAGI, before wrapping with our weekly portfolio review across the eight sample portfolios (VOO, QQQ, VIOV, GLDM, VGLT, PDBC, PFFB/PFFV, DBMF and more).Subscribe for more practical risk parity investing guidance, share this with a friend who's stuck in a confusing 401(k), and leave a rating and review so more DIY investors can find us.Support the show

Does rising margin debt really signal an imminent stock market crash? Not necessarily. Lance Roberts examines why many commonly cited margin debt charts can be misleading, which measures deserve investors' attention, and how leverage should be interpreted within the context of liquidity, economic growth, and market trends. 0:00 INTRO 0:50 - July 4th Recap, FIFA Soccer, & Earnings Season Launch 5:31 - Market Set up for July 9:46 - Market Futures & Economic Surveys 12:23 - Wage Growth as a Leading Economic Indicator 15:10 - Correlation of Wages to Inflation 20:13 - Real Wages' Effect on Economy 22:44 - Margin Debt Risk - The Ratios that Mislead 28:02 - Margin Debt Makes Great Clickbait 30:00 - Margin Debt & Market Cap 33:33 - Indicators that Matter (to the markets) 35:52 - Net Credit Balances 39:11 - Margin Debt vs Personal Savings (cash) 41:16 - What Year-over-year Change Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/qz2YPAd-qPI ------- Watch our previous show, "The Widow's Penalty in Social Security" https://youtube.com/live/iHJLWOZY4NQ ------- Articles mentioned in this report: "Margin Debt Risk: The Ratios That Mislead Investors," https://realinvestmentadvice.com/resources/blog/margin-debt-risk-the-ratios-that-mislead-investors/ "Wage Growth As A Leading Inflation Indicator" https://realinvestmentadvice.com/resources/blog/wage-growth-as-a-leading-inflation-indicator/ "Mag 7 Stocks: Risk Or Opportunity In The Making?" https://realinvestmentadvice.com/resources/blog/mag-7-stocks-risk-or-opportunity-in-the-making/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Narrative Busters: Market Stories Investors Should Approach With Caution," Saturday, July 18, 2026: https://streamyard.com/watch/RfJtCj2byfDr --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Investing #EarningsSeason #MarketOutlook #SP500 #MarginDebt #Investing #MarketAnalysis #FinancialPlanning

Does rising margin debt really signal an imminent stock market crash? Not necessarily. Lance Roberts examines why many commonly cited margin debt charts can be misleading, which measures deserve investors' attention, and how leverage should be interpreted within the context of liquidity, economic growth, and market trends. 0:00 INTRO 0:50 - July 4th Recap, FIFA Soccer, & Earnings Season Launch 5:31 - Market Set up for July 9:46 - Market Futures & Economic Surveys 12:23 - Wage Growth as a Leading Economic Indicator 15:10 - Correlation of Wages to Inflation 20:13 - Real Wages' Effect on Economy 22:44 - Margin Debt Risk - The Ratios that Mislead 28:02 - Margin Debt Makes Great Clickbait 30:00 - Margin Debt & Market Cap 33:33 - Indicators that Matter (to the markets) 35:52 - Net Credit Balances 39:11 - Margin Debt vs Personal Savings (cash) 41:16 - What Year-over-year Change Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/qz2YPAd-qPI ------- Watch our previous show, "The Widow's Penalty in Social Security" https://youtube.com/live/iHJLWOZY4NQ ------- Articles mentioned in this report: "Margin Debt Risk: The Ratios That Mislead Investors," https://realinvestmentadvice.com/resources/blog/margin-debt-risk-the-ratios-that-mislead-investors/ "Wage Growth As A Leading Inflation Indicator" https://realinvestmentadvice.com/resources/blog/wage-growth-as-a-leading-inflation-indicator/ "Mag 7 Stocks: Risk Or Opportunity In The Making?" https://realinvestmentadvice.com/resources/blog/mag-7-stocks-risk-or-opportunity-in-the-making/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Narrative Busters: Market Stories Investors Should Approach With Caution," Saturday, July 18, 2026: https://streamyard.com/watch/RfJtCj2byfDr --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Investing #EarningsSeason #MarketOutlook #SP500 #MarginDebt #Investing #MarketAnalysis #FinancialPlanning

This month, Peter and Jeff unpack the new Trump Accounts, dig into what the latest Social Security report means for future retirees, and explain why so many asset classes have suddenly been moving in lockstep. Plus, you won't want to miss their tips of the month.   Hosted by Creative Planning's Director of Financial Planning, Jeff Stolper, and President, Peter Mallouk, this podcast takes a closer look into topics that affect investors. Included are in-depth discussions on financial planning issues, the economy and the markets. Plus, you won't want to miss each of their monthly tips!   Important Legal Disclosure: creativeplanning.com/important-disclosure-information/   Have questions or topic suggestions?  Email us @ podcasts@creativeplanning.com

Deep Dive in DDH is a three-part limited series where experts in the field of DDH have been invited to discuss the controversies in the management of hip dysplasia. Episode 1 was published in August and discussed management of DDH in infants under 6 months of age. Episode 2 was published in January and discussed the controversies in the management of developmental hip dislocations in the operating room. For the final episode we are joined by Drs. Rachel Goldstein from Children's Hospital of Los Angeles and Steve Frick from Atrium Health in Charlotte. This episode focuses on evaluation and management of residual dysplasia including nonoperative management with bracing, surveillance, and if/when to operate. Hosted by Will Morris (Scottish Rite for Children). Music by A. A. Aalto. Referenced Publications: Gans I, Flynn JM, Sankar WN. Abduction bracing for residual acetabular dysplasia in infantile DDH. J Pediatr Orthop. 2013 Oct-Nov;33(7):714-8. doi: 10.1097/BPO.0b013e31829d5704. PMID: 23812157. Swarup I, Talwar D, Sankar WN. Part-time Abduction Bracing in Infants With Residual Acetabular Dysplasia: Does Compliance Monitoring Support a Dose-dependent Relationship? J Pediatr Orthop. 2021 Feb 1;41(2):e125-e129. doi: 10.1097/BPO.0000000000001704. PMID: 33165268. Morris WZ, Kak A, Mayfield LM, Kang MS, Jo CH, Kim HKW. Does brace treatment following closed reduction of developmental dysplasia of the hip improve acetabular coverage? Bone Joint J. 2023 Dec 1;105-B(12):1327-1332. doi: 10.1302/0301-620X.105B12.BJJ-2023-0255.R1. PMID: 38035597. Albinana J, Dolan LA, Spratt KF, Morcuende J, Meyer MD, Weinstein SL. Acetabular dysplasia after treatment for developmental dysplasia of the hip. Implications for secondary procedures. J Bone Joint Surg Br. 2004 Aug;86(6):876-86. doi: 10.1302/0301-620x.86b6.14441. PMID: 15330030. Novais EN, Pan Z, Autruong PT, Meyers ML, Chang FM. Normal Percentile Reference Curves and Correlation of Acetabular Index and Acetabular Depth Ratio in Children. J Pediatr Orthop. 2018 Mar;38(3):163-169. doi: 10.1097/BPO.0000000000000791. PMID: 27261963. Haider S, Mayfield L, Kim HK, Gill CS, Sucato DJ, Podeszwa DA, Morris WZ. The Impact of Age on Outcomes Following Secondary Reconstructive Surgery for Residual Dysplasia in DDH. J Pediatr Orthop. 2026 Jan 1;46(1):e61-e66. doi: 10.1097/BPO.0000000000003067. Epub 2025 Jul 21. PMID: 40686010; PMCID: PMC12688450. Koura T, Tetsunaga T, Yamada K, Inoue T, Okuda R, Masada Y, Tetsunaga T, Okazaki Y, Ozaki T. MRI at 5 years predicts upsloping acetabular sourcil at skeletal maturity in developmental dysplasia of the hip. Hip Int. 2026 May 6:11207000261436397. doi: 10.1177/11207000261436397. Epub ahead of print. PMID: 42093127. Sucato DJ, Brabham CE, De La Rocha A, Podeszwa DA, Karol LA. Radiographic Outcome Following Treatment of Residual Hip Dysplasia with Pemberton Versus Salter Osteotomy: Comparison of Results in Patients Followed to Skeletal Maturity. J Bone Joint Surg Am. 2025 Jan 1;107(1):46-52. doi: 10.2106/JBJS.23.01346. Epub 2024 Nov 7. Erratum in: J Bone Joint Surg Am. 2025 Aug 20;107(16):e82. doi: 10.2106/JBJS.ER.23.01346. PMID: 39509475.  

In this episode, Adrian Morris joins the show to discuss Bitcoin Treasury Companies. We explore whether MSTR and STRC are over, sustainable mNAV premiums, the impact of leverage, the right way to calculate mNAV, how many such companies can realistically exist, and how this space evolves through bull and bear markets.Timestamps:00:00 What are Bitcoin Treasury Skeptics Getting Wrong?03:55 Is it over for STRC? Par vs Peg06:30 The level of correlation to Bitcoin price07:10 Critiques of STRC marketing?09:02 Market Dynamics and Bitcoin Correlation10:50 Should Strategy Do Something About STRC?13:55 Is it a waiting game?14:40 Is the bitcoin treasury risk mispriced? When is a premium justified?19:26 Leverage or Amplification embedded in the structure24:10 Operating or Financing Flows to Get Bitcoin?26:15 mNAV29:12 Thoughts on CEBE Analysis32:30 Different forms of mNAV36:12 Sentiment's role is amplified40:32 “Just Tread Water and Survive Until the Bull”42:47 Will the Correlation to Bitcoin Price increase over time?46:18 Growth Opportunities: Mergers and Acquisitions 48:23 The Bitcoin Treasury Model - How Replicable is it?51:50 Where are we in this cycle?53:42 AI Analysis: Tools and Techniques for Investors58:55 Is AI being overbuilt? 1:01:40 Open Weights and Local AI?Links: Adrian on X: https://x.com/_AdrianTrue North: https://tnorth.com/Bitcoin For Corporations: https://bitcoinforcorporations.com/Stephan Livera links:Follow me on X: @stephanliveraSubscribe to the podcastSubscribe to Substack

In this episode of Travis Makes Money, Travis and producer Eric dive into a timely discussion about leadership, public perception, and the way we judge people based on past decisions. Using the controversy surrounding reality TV star and mayoral candidate Spencer Pratt as a jumping-off point, they explore whether personal financial mistakes, media narratives, and decades-old decisions should influence how we evaluate someone's ability to lead. The conversation touches on accountability, political messaging, media influence, and the importance of looking beyond surface-level headlines. On this episode we talk about: Whether personal financial decisions predict leadership ability The difference between managing personal money and public budgets How media narratives shape public opinion during elections Why people shouldn't be permanently judged by mistakes they made in their early twenties Critical thinking when evaluating political candidates and public figures Top 3 Takeaways Personal mistakes don't always predict future performance. People can learn, grow, and develop expertise from the very failures that once defined them. Correlation isn't causation. Spending personal money irresponsibly at age twenty-two isn't necessarily evidence that someone can't effectively manage an organization or public institution later in life. Media narratives often oversimplify complex issues. It's important to evaluate claims, data, and political talking points critically rather than accepting headlines at face value. Notable Quotes "I don't think anybody wants people judging us for the decisions we made when we were twenty-two." "A lot of times that inception point can be the thing that made them go fix it and learn how to manage money better." "The opportunities come from the relationships. Opportunities are given by people." Connect with Travis Chappell: LinkedIn: https://www.linkedin.com/in/travischappell Instagram: https://www.instagram.com/travischappell Other: https://travischappell.com A Word from Our Sponsors: Today's episode is brought to you by our incredible sponsors. Their support allows us to continue delivering thought-provoking conversations on entrepreneurship, investing, personal development, and wealth creation. Be sure to check out the offers mentioned during the show and support the brands that support the podcast. - Are you ready to start your own creatorjourney and make it big? Visitwww.fanvue.com today and launch yourcareer! - To learn more about Mode Mobile and its investor community, go to https://invest.modemobile.com/travismakesmoney -Travis Makes Money is made possible by High Level – the All-In-One Sales & Marketing Platform built for agencies, by an agency.Capture leads, nurture them, and close more deals—all from one powerful platform.Get an extended free trial at gohighlevel.com/travis Learn more about your ad choices. Visit megaphone.fm/adchoices

Murdoch Children's Research Institute centre for adolescent help director Professor Susan Sawyer told 3AW Breakfast hosts Ross and Russel that families played an important part in regulating social media use for teenagers.See omnystudio.com/listener for privacy information.

Episode: 2603 Correlation and Risk: When more egg baskets don't help.  Today, eggs and baskets.

Your brain is wired to find patterns. That's mostly a good thing... until it's not. This episode breaks down illusory correlation: why your team sees connections that aren't there, and what you can do to stop making decisions based on a handful of vivid moments dressed up as a trend.Have you ever watched your team make a confident product decision based on a pattern that, when you actually look at the data, barely exists?Illusory correlation is the bias that turns coincidence into conviction. When two things happen close together -- even just once or twice -- our brains quietly file them as connected. The concept was first identified by psychologist Loren J. Chapman in 1967, who noticed that trained clinical professionals were reporting patient behavior patterns that statistically didn't exist. The problem isn't laziness or bad intent. It's just how human memory works. Rare or distinctive events get stored differently, and when two unusual things co-occur, the brain treats that pairing as meaningful -- even when it's pure chance.In product and design work, this plays out constantly and in ways that feel completely legitimate. A feature ships and traffic ticks up the next day, so the launch gets the credit -- even though a competitor was down and marketing ran a campaign. Six user interviews produce two mentions of a feature, and suddenly that feature defines the whole persona. A few support tickets from one customer segment, and that segment becomes "a tough audience." The misses get forgotten. The hits stack up. And the team ends up navigating by a pattern that was never really there. This episode breaks down how illusory correlation sneaks into your metrics, your research, and your team dynamics -- and gives you a few concrete habits to start catching it before it shapes your roadmap. Give it a listen.Topics:• 02:20 – Personal story: the engineering lead I had all wrong• 04:29 – What is illusory correlation?• 04:46 – The origin: Chapman's 1967 research• 06:19 – Hamilton & Gifford: how the bias distorts how we see groups• 07:10 – Kahneman & Tversky: why illusory correlations stick• 07:50 – How it shows up in your product metrics• 08:23 – The A/B testing problem• 09:00 – How it distorts how teams think about people and segments• 09:26 – How it corrupts user research• 09:50 – Engineering superstitions and team dynamics• 10:27 – Why more data isn't always the fix• 11:00 – Five habits to fight illusory correlation—Thanks for listening! We hope you dug today's episode. If you liked what you heard, be sure to like and subscribe wherever you listen to podcasts! And if you really enjoyed today's episode, why don't you leave a five-star review? Or tell some friends! It will help us out a ton.If you haven't already, sign up for our email list. We won't spam you. Pinky swear.• ⁠⁠⁠⁠Get a FREE audiobook AND support the show⁠⁠⁠⁠• ⁠⁠⁠⁠Support the show on Patreon⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠• ⁠⁠⁠⁠Check out show transcripts⁠⁠⁠⁠• ⁠⁠⁠⁠Check out our website⁠⁠⁠⁠• ⁠⁠⁠⁠Subscribe on Apple Podcasts⁠⁠⁠⁠• ⁠⁠⁠⁠Subscribe on Spotify⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠• ⁠⁠⁠⁠Subscribe on YouTube⁠⁠⁠⁠• ⁠⁠⁠⁠Subscribe on Stitcher⁠

What if the same brain states people spend years chasing through psychedelics could be accessed through meditation alone, and in as little as seven days? In this fascinating solo episode, Darin Olien explores groundbreaking new research from University of California San Diego, Harvard University, Massachusetts General Hospital, and University of Montreal suggesting that meditation may produce brain patterns remarkably similar to those observed during psychedelic experiences. From the suppression of the default mode network and increases in neural complexity to neuroplasticity, endogenous opioids, and measurable biological changes in the bloodstream, Darin unpacks the science behind one of the most powerful, and completely free tools available to human beings. He also walks listeners through a practical seven-day protocol combining focused-attention meditation, Vipassana, breathwork, walking meditation, and loving-kindness practices designed to help cultivate greater awareness, emotional resilience, cognitive flexibility, and inner peace. What You'll Learn The groundbreaking UC San Diego meditation study and its surprising findings Why meditation may create brain states similar to psilocybin What the default mode network is and how it shapes everyday thinking How meditation may reduce rumination, anxiety, and self-referential thought The concept of brain criticality and cognitive flexibility Why post-meditation blood samples stimulated neuronal growth How meditation influences neuroplasticity and whole-body biology The differences between Samatha and Vipassana meditation What advanced monks are teaching scientists about consciousness The limitations and caveats of current meditation research A practical seven-day meditation protocol anyone can begin Why meditation may be one of the most powerful health interventions available today Chapters 00:00:03 – Welcome to SuperLife 00:00:33 – Sponsor: Alkemis and the hidden toxicity of indoor air 00:00:57 – Conventional paints, petrochemicals, and endocrine disruptors 00:01:24 – Why VOCs and PFAS may be affecting your home environment 00:01:55 – Fire-resistant mineral paints and healthier living spaces 00:02:27 – Cradle to Cradle certification and sustainable design 00:03:23 – The meditation study Darin can't stop thinking about 00:03:33 – Scanning the brains and blood of meditators 00:03:44 – Brain activity resembling psilocybin experiences 00:04:09 – The promise of a seven-day meditation protocol 00:04:22 – Psychedelics, consciousness, and dissolving the sense of self 00:04:47 – Ancient practices and modern scientific validation 00:05:23 – Why meditation research is entering a renaissance 00:05:41 – Harvard, Massachusetts General Hospital, and advanced consciousness mapping 00:06:00 – University of Montreal's study of monks with 15,000+ hours of practice 00:06:16 – Why psychedelics and meditation are converging scientifically 00:06:37 – What listeners will learn in today's episode 00:06:54 – Breaking down the UC San Diego retreat study 00:07:18 – Thirty-three hours of meditation, breathwork, and group practice 00:07:42 – EEG scans, blood draws, and laboratory neuron testing 00:08:05 – Reduced activity in the default mode network 00:08:24 – The science of mental chatter and rumination 00:08:50 – Blood plasma stimulating new neuronal growth 00:09:02 – Neuroplasticity and new neural connections 00:09:29 – Increased cellular metabolism and endogenous opioids 00:10:13 – Samatha vs Vipassana meditation explained 00:10:42 – How different meditation styles reshape the brain 00:10:50 – Harvard's advanced meditation consciousness studies 00:11:18 – Mapping concentration states and consciousness cessation 00:11:46 – Ancient contemplative traditions meeting modern neuroscience 00:11:50 – Important limitations of the research 00:12:05 – Why advanced monks aren't average practitioners 00:12:20 – Correlation versus causation in psychedelic comparisons 00:12:48 – What may actually be happening inside the brain 00:13:03 – Understanding the default mode network 00:13:26 – Anxiety, depression, addiction, and overactive self-talk 00:13:53 – Why meditation and psilocybin share common neurological effects 00:14:10 – Beginner studies showing measurable brain changes 00:14:28 – Brain criticality and cognitive adaptability 00:14:48 – The most surprising finding: meditation changes the blood 00:15:05 – Meditation as a whole-body signaling event 00:15:18 – Better sleep, digestion, hormone balance, and recovery 00:15:39 – Neuroplasticity, immune function, metabolism, and pain regulation 00:15:56 – Why meditation may be the ultimate free medicine 00:16:10 – Introducing the seven-day meditation protocol 00:16:34 – Sponsor break: Alkemis Paint 00:19:02 – Building a research-backed at-home meditation practice 00:19:24 – Why consistency matters more than total hours 00:19:41 – Combining focused attention and open monitoring 00:19:53 – Days 1–3: Stabilizing attention 00:20:02 – Morning focused-attention meditation instructions 00:20:34 – Evening body scan practice 00:21:04 – Preparing the brain for deeper awareness 00:21:08 – Days 4–5: Opening awareness through Vipassana 00:21:31 – Letting thoughts, sensations, and sounds pass freely 00:21:39 – Evening box breathing for nervous system regulation 00:22:01 – Why days four and five often feel more challenging 00:22:11 – Days 6–7: Deepening and integrating the practice 00:22:27 – Walking meditation and embodied awareness 00:22:52 – Loving-kindness meditation and compassion training 00:23:02 – Vagal tone, heart rate regulation, and inflammation reduction 00:23:18 – Three rules that determine success 00:23:26 – Eliminating distractions and protecting attention 00:23:36 – Why you should never judge your meditation sessions 00:24:00 – Extending the practice beyond seven days 00:24:19 – Psychedelics, meditation, and the search for transformation 00:24:51 – What the medicine always teaches: sit with yourself 00:25:03 – The wellness industry's tendency to monetize stillness 00:25:20 – Why you don't need expensive tools to transform 00:25:36 – Meditation as radical self-reclamation 00:26:02 – Meeting yourself without distraction 00:26:17 – Final reflections and closing thoughts 00:26:29 – Outro and farewell Thank You to Our Sponsors Alkemis: Go to https://alkemispaint.com/ and use code DARIN10 for 10% off your order. Manna Vitality: Go to mannavitality.com/ and use code DARIN12 for 12% off your order. Join the SuperLife Patreon: This is where Darin now shares the deeper work: - weekly voice notes - ingredient trackers - wellness challenges - extended conversations - community accountability - sovereignty practices Join now for only $7.49/month at https://patreon.com/darinolien Find More from Darin Olien: Website: darinolien.com Instagram: @darinolien Book: Fatal Conveniences Platform & Products: superlife.com New Show: Roadmap to Happiness Key Takeaway "Perhaps one of the most profound discoveries emerging from modern neuroscience is that many of the states of awareness humans have sought through substances, rituals, and external interventions may already be available within us. Meditation is not simply a relaxation practice—it appears to be a biological, neurological, and consciousness-altering intervention capable of reshaping the brain, changing the body, and transforming how we experience reality. The question is not whether the door exists. The question is whether we are willing to sit still long enough to walk through it." Bibliography/Sources: Here is the fully formatted bibliography for the "Seven Days to a New Brain" episode. It is organized by category, formatted in strict APA Style (7th Edition), and includes a direct link for every single source : Primary Studies Brewer, J. A., Worhunsky, P. D., Gray, J. R., Tang, Y. Y., Weber, J., & Kober, H. (2011). Meditation experience is associated with differences in default mode network activity and connectivity. Proceedings of the National Academy of Sciences, 108(50), 20254–20259 . https://doi.org/10.1073/pnas.1112029108 Lieberman, J. M., Rahrig, H., Britton, W. B., et al. (2025). Toward a neuroscience of consciousness using advanced meditation. Neuroscience & Biobehavioral Reviews . https://meditation.mgh.harvard.edu/files/Lieberman_25_NeuroscienceAndBiobehavioralReviews.pdf Pascarella, A., Jerbi, K., et al. (2026). Meditation induces shifts in neural oscillations, brain complexity, and critical dynamics: Novel insights from MEG. Neuroscience of Consciousness . https://pubmed.ncbi.nlm.nih.gov/41287816/ Patel, H., et al. (2025). Intensive meditation retreat induces rapid changes in brain activity, blood-based biomarkers, and neurotrophic signaling. Communications Biology . https://today.ucsd.edu/story/meditation-retreat-rapidly-reprograms-body-and-mind Shinozuka, K., et al. (2025). Neuroelectrophysiological correlates of extended cessation of consciousness in advanced meditation [Preprint]. bioRxiv . https://meditation.mgh.harvard.edu/files/Shinozuka_25_bioRxiv.pdf Van Lutterveld, R., et al. (2025). An intensively sampled electroencephalography case study of advanced concentration absorption meditation (jhana) [Preprint]. SSRN . https://meditation.mgh.harvard.edu/files/VanLutterveld_25_SSRN.pdf Supporting Press Coverage & Explainers Harvard Gazette. (2026, January). Your brain on advanced meditation . https://news.harvard.edu/gazette/story/2026/01/your-brain-on-advanced-meditation/ Medical Xpress. (2026, February). Study of 12 monks finds meditation heightens brain activity, reshaping neural dynamics . https://medicalxpress.com/news/2026-02-monks-meditation-heightens-brain-reshaping.html PsyPost. (2026). Brain scans of Buddhist monks reveal how different meditation styles alter consciousness . https://www.psypost.org/brain-scans-of-buddhist-monks-reveal-how-different-meditation-styles-alter-consciousness/ ScienceDaily. (2026, April 6). Scientists say 7 days of meditation can rewire your brain . https://www.sciencedaily.com/releases/2026/04/260406192913.htm UC San Diego Today. (2026). Meditation retreat rapidly reprograms body and mind. UC San Diego News Center . https://today.ucsd.edu/story/meditation-retreat-rapidly-reprograms-body-and-mind Université de Montréal. (2026, January 5). Meditation doesn't rest the brain, it reshapes it. UdeMNouvelles . https://nouvelles.umontreal.ca/en/article/2026/01/05/meditation-doesn-t-rest-the-brain-it-reshapes-it  

Commentary by Dr. Jian'an Wang.

Commentary by Dr. Jian'an Wang.

Rates are climbing, carriers are piling on surcharges, and peak season is arriving ahead of schedule. This week Lars Jensen runs the numbers on why the market is where it is and it has everything to do with the Red Sea and almost nothing to do with how consumers are feeling.In this episode, Lars Jensen and Caroline Weaver cover:Why Pacific and Asia-Europe spot rates continue their upward momentum and what the futures curve is signaling for peak season, including a sharp expected pullback as early as SeptemberThe statistical relationship between US consumer sentiment and container volumes: Lars ran the analysis and the correlation coefficient is 0.3. There effectively isn't one.Hormuz update: no deal, drone strikes on Kuwait, a suspected mine in Omani waters, and an MSC 18,000 TEU vessel that went dark for five days and reappeared off West AfricaHow CMA-CGM continues to quietly expand its Suez routing while every other carrier goes around AfricaChina PMI at exactly 50, and why the raw materials sub-index shooting above 60 post-Hormuz is the inflation signal worth watchingGlobal trade imbalances since 2019: full containers up 17%, fleet up 43%, TEU miles up 41% and empty container movements up 102%

What if there was literally a plastic spoon's worth of microplastics sitting inside your brain right now? In this jaw-dropping and deeply urgent solo episode, Darin Olien breaks down the newest science on microplastics, nanoplastics, brain accumulation, neuroinflammation, endocrine disruption, and the rapidly escalating contamination of the human body. Referencing groundbreaking new research published in Nature Medicine and newly launched U.S. government initiatives, Darin exposes how plastics are no longer just an environmental issue—they are now a human biology issue. From nanoplastics crossing the blood-brain barrier to endocrine-disrupting chemicals like BPA, PFAS, and phthalates accumulating in tissues, placentas, and testes, this episode explores the shocking implications of modern plastic exposure—and, more importantly, what practical steps you can take immediately to reduce your risk.     What You'll Learn The shocking new study finding microplastics in 100% of healthy human brains Why the average brain may now contain roughly a plastic spoon's worth of plastic How nanoplastics cross the blood-brain barrier The alarming connection between microplastics and dementia research Why plastics are not biologically inert substances The endocrine-disrupting chemicals hitchhiking on microplastics How bottled water, tea bags, coffee pods, and heated plastics dramatically increase exposure The role of PFAS, BPA, phthalates, and flame retardants in human health decline Why reverse osmosis filtration is one of the most effective protective tools Practical ways to reduce microplastic exposure immediately     Chapters 00:00:03 – Welcome to SuperLife 00:00:33 – Sponsor: Alkemis wellness paint and indoor air toxicity 00:00:57 – Conventional paints, endocrine disruptors, and off-gassing chemicals 00:01:24 – VOC-free mineral paints and PFAS-free home environments 00:01:55 – Fire resistance, sustainability, and Cradle to Cradle certification 00:02:53 – Why the products surrounding us matter biologically 00:03:23 – New study finds microplastics in 100% of healthy human brains 00:03:44 – The U.S. government launches a $144 million microplastics initiative 00:03:52 – Visualizing a plastic spoon's worth of plastic in the brain 00:04:22 – The Nature Medicine findings explained 00:04:40 – Dementia brains containing dramatically more plastic accumulation 00:04:47 – Why this study is not "internet noise" 00:05:07 – Dr. Matthew Campen and the University of New Mexico research 00:05:15 – The STOMP program: Systemic Targeting of Microplastics 00:05:45 – From environmental issue to "inside your body" crisis 00:06:01 – What listeners will learn and actionable solutions 00:06:21 – Breaking down the Campen study in detail 00:06:38 – Gas chromatography mass spectrometry analysis explained 00:06:50 – Roughly seven grams of plastic found in average brains 00:07:09 – Brain tissue containing more plastic than liver or kidneys 00:07:21 – Dementia brains showing 10x more plastic concentration 00:07:28 – Nanoplastics crossing the blood-brain barrier 00:07:42 – The alarming acceleration of accumulation rates 00:08:03 – Healthy brains vs diseased brains and microplastic prevalence 00:08:24 – The unanswered question: dose and biological effect 00:08:40 – Correlation vs causation and scientific uncertainty 00:09:06 – Why the trend itself is deeply concerning 00:09:23 – Plastic accumulation in blood vessel walls and immune cells 00:09:46 – Chronic neuroinflammation and cognitive decline 00:09:56 – Plastics carrying phthalates, BPA, PFAS, and flame retardants 00:10:08 – Endocrine disruption and hormone interference 00:10:19 – Plastics found in placentas and testes 00:10:31 – "Structural pollution of the human body" 00:10:52 – The plastic industry externalizing costs onto humanity 00:10:58 – Practical steps listeners can take immediately 00:11:02 – Why bottled water may be a major source of nanoplastics 00:11:28 – Reverse osmosis filtration and reducing exposure 00:11:46 – AquaTru systems and affordable filtration solutions 00:12:09 – Sponsor: Shakeology and nutrient density 00:13:58 – Stop heating food in plastic immediately 00:14:17 – Heat dramatically increasing microplastic transfer into food 00:14:31 – Switching to glass, stainless steel, and ceramic containers 00:14:50 – Dangerous recycling codes and plastic leaching 00:15:13 – The hidden plastic problem inside tea bags 00:15:27 – One tea bag releasing billions of microplastics into tea 00:15:50 – Why Darin says to ditch plastic tea bags completely 00:16:02 – Loose leaf tea and stainless steel infusers 00:16:14 – Coffee pod machines and heated plastics under pressure 00:16:26 – Safer coffee alternatives: French press and pour-over 00:16:38 – Fiber helping bind and eliminate particulate matter 00:17:00 – Sweating, exercise, and toxin mobilization 00:17:22 – Polyphenols and antioxidant-rich foods 00:17:42 – Broccoli sprouts, sulforaphane, and glutathione support 00:18:24 – Omega-3s and reducing neuroinflammation 00:18:34 – The plastic industry's "safe and recyclable" narrative 00:18:58 – Comparing plastics to tobacco and PFAS deception 00:19:16 – Disposable convenience culture and "fatal conveniences" 00:19:45 – The simplest immediate change: replacing tea bags 00:20:10 – Taking sovereignty back through everyday choices 00:20:34 – Patreon deep dives and continuing the conversation 00:20:53 – "Your body is not a landfill" 00:21:08 – Why small daily choices compound biologically 00:21:22 – Final reflections and closing thoughts     Thank You to Our Sponsors Shakeology: Get 15% off with code DARINO1BODI at Shakeology.com. Alkemis: Go to https://alkemispaint.com/ and use code DARIN10 for 10% off your order.     Join the SuperLife Patreon: This is where Darin now shares the deeper work: - weekly voice notes - ingredient trackers - wellness challenges - extended conversations - community accountability - sovereignty practices Join now for only $7.49/month at https://patreon.com/darinolien     Connect with Darin Olien: Website: darinolien.com Instagram: @darinolien Book: Fatal Conveniences Platform & Products: superlife.com New Show: Roadmap to Happiness     Key Takeaway "Microplastics are no longer just floating in oceans or polluting landfills—they are accumulating inside human beings. Inside our brains. Inside our blood vessels. Inside unborn children. But while the scale of the problem is staggering, the solution begins with everyday choices. What you drink from. What you heat your food in. What you filter. What you buy. Your body is not a landfill—and reclaiming your health starts with refusing to treat it like one."     Bibliography/Sources Primary Scientific Studies Bornstein, S. R., et al. (2025). Therapeutic apheresis: A promising method to remove microplastics? Brain Medicine . https://pmc.ncbi.nlm.nih.gov/articles/PMC12162106/ Campen, M., et al. (2025). Bioaccumulation of microplastics in decedent human brains. Nature Medicine . https://pmc.ncbi.nlm.nih.gov/articles/PMC11100893/ Campen, M., et al. (2026). Microplastics in 100% of healthy brain samples (2026 Update) . https://hsc.unm.edu/news/2024/05/microplastics-accumulate-in-brain.html Hernandez, L. M., et al. (2019). Plastic teabags release billions of microparticles and nanoparticles into tea. Environmental Science & Technology, 53(21), 12300–12310 . https://pubs.acs.org/doi/10.1021/acs.est.9b02540 Government & University Announcements Advanced Research Projects Agency for Health (ARPA-H). (2026, April 2). STOMP program launch . https://arpa-h.gov/explore-funding/programs/stomp U.S. Department of Health and Human Services (HHS). (2026, April 2). HHS press release on STOMP . https://arpa-h.gov/explore-funding/programs/stomp University of New Mexico Health Sciences Center. (n.d.). UNM HSC announcement - Microplastics in human brains . https://hsc.unm.edu/news/2024/05/microplastics-accumulate-in-brain.html Health & News Resources EurekAlert! (n.d.). Micronanoplastics found in artery-clogging plaque in the neck . https://www.eurekalert.org/news-releases/1080866 NYU Langone Health. (n.d.). 7 ways to reduce your exposure to microplastics . https://nyulangone.org/news/7-ways-reduce-your-exposure-microplastics

Big discount on Martyn's tool for subscribers: https://www.algoadvantage.io/toolbox/Watch Part 1 first! https://youtu.be/Kxvp00VbLx0My detailed write up on Walk Forward Correlation Analysis: https://www.algoadvantage.io/podcast/053-martyn-tinsley-2/Martyn introduces Walk Forward Correlation (WFC) as a diagnostic for two problems that sit at the heart of systematic trading: over-fitting and structural edge. Traditional walk-forward analysis typically optimizes a strategy on an in-sample window, picks the “best” parameter set, then tests that one choice out-of-sample. Used the wrong way, there's a potential flaw here: one parameter set can look good out-of-sample purely by accident. That tells you very little about whether the underlying model is genuinely robust.Tinsley's move is simple, but useful. Instead of judging one selected point, he looks at all parameter combinations in the optimisation grid and asks a harder question: does strong in-sample performance tend to map to strong out-of-sample performance across the whole space? If yes, you may have something real. If no, you're probably flattering noise.Contents:0:00 Walk Forward Correlation Explained 4:22 Best Metrics for Strategy Selection9:27 Building a Combined Performance Metric13:05 Objective Functions and Walk Forward Tests17:30 In-Sample vs Out-of-Sample Validation22:28 Pre-Live Optimization for Live Trading25:14 Why Traditional Walk Forward Falls Short28:59 Walk Forward Correlation Method32:28 Measuring Predictive Power in Trading39:25 Reading Correlation Chart Scenarios41:48 Trade Counts and Statistical Significance45:52 Go/No-Go Gates for Robust Strategies51:03 Optimize Strategy Software Overview56:43 Final Thoughts for Systematic Traders

Markets remain resilient despite rising interest rates, higher oil prices, and inflation concerns, largely supported by strong earnings growth and optimism around AI and technological transformation. However, speculative behavior, IPO activity, and "mania" in certain sectors suggest increased risk and the potential for volatility ahead. In this episode, Karl emphasizes that having a sound investment thesis isn't enough—investors must understand how assets actually behave, including correlation and diversification within a portfolio.    Show Topics Market resilience persists AI mania risks Earnings justify growth Correlation matters Discipline

(SPOILER) Your Daily Roundup covers the Summer House Reunion trailer, Oz the Mentalist gets exposed, Britney Spears posting more cryptic videos, and a random correlation between the Echard/Owens case and my current re-watch. Music written by Jimmer Podrasky (B'Jingo Songs/Machia Music/Bug Music BMI)Ads:Zenni – Online eyewear shop. Now is the time for that long overdue purchase of eyeglasses or sunglasses. Go to https://zenni.com/podcast Promo Code: Podcast15 for 15% off your first order.Ro – https://ro.co/RealitySteve to see if you're eligible for the new GLP-1 pill on Ro.ZocDoc – Click on https://zocdoc.com/RealitySteve to find and instantly book a top rated doctor today.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Markets are hitting new highs while volatility, inflation concerns, interest rates, and geopolitical risks continue to pressure investors. Lance Roberts and Danny Ratliff answer your questions about investing, retirement planning, portfolio management, taxes, market risk, Federal Reserve policy, and the economy. From market momentum and valuation risks to retirement income strategies and financial planning mistakes, this is your opportunity to get straightforward answers without Wall Street spin. Here's a topical rundown of today's show: 0:00 - INTRO 0:57 - Markets Trying to Sell-off 6:17 - Market Comparisons 11:19 - Not Reading the News is Better 12:08 - Is TLT a Good Buy Now? 15:40 - What to Do with Cash 16:40 - Can Bond Yields Go Over 5.5%? 19:08 - Will There Be Inflation from SCOTUS Ruling on Trucker Broker Liability? 20:14 - What Would Trigger Differentiation from Standard Correction or Worse? 23:50 - Higher Oil = Higher Treasuries? 28:26 - Space Stocks, Momentum Trading, & Space-X IPO 31:27 - The Roth Conversion Conundrum 33:53 - APLD Positioning & Short Squeeze 36:21 - Correlation of Assets - What to do when trades don't work 40:46 - Microsoft, AI, & Layoffs 41:48 - What is Your Plan for a Market Downturn? 49:14 - Social Security Reform - Raising Minimum Retirement Age? 55:02 - In What Sector will Space-X Be Placed? Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Articles mentioned in this report: "The NVDA Earnings Report: Could It Pop The Gamma Bubble?" https://realinvestmentadvice.com/resources/blog/the-nvda-earnings-report-could-it-pop-the-gamma-bubble/ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/ngEmjqsUFTY ------- Watch today's "Before the Bell" feature, "Market Decoupling Danger," here: https://youtu.be/uDPuWbEqO-E ------- Watch our previous show, "U.S. - Iran Risks You Cannot Ignore" https://youtube.com/live/YT_BHXcoydw ------- * REGISTER for our next Dynamic Learning Series presentation, "A SimpleVisor Tutorial," Thursday, June 4, 2025 at Noon: https://streamyard.com/watch/MwairsimgmnS -------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #BullMarket #MarketCorrection #FederalReserve #Investing #Investing #Retirement #FinancialPlanning #SocialSecurity #SpaceXIPO

Markets are hitting new highs while volatility, inflation concerns, interest rates, and geopolitical risks continue to pressure investors. Lance Roberts and Danny Ratliff answer your questions about investing, retirement planning, portfolio management, taxes, market risk, Federal Reserve policy, and the economy. From market momentum and valuation risks to retirement income strategies and financial planning mistakes, this is your opportunity to get straightforward answers without Wall Street spin. Here's a topical rundown of today's show: 0:00 - INTRO 0:57 - Markets Trying to Sell-off 6:17 - Market Comparisons 11:19 - Not Reading the News is Better 12:08 - Is TLT a Good Buy Now? 15:40 - What to Do with Cash 16:40 - Can Bond Yields Go Over 5.5%? 19:08 - Will There Be Inflation from SCOTUS Ruling on Trucker Broker Liability? 20:14 - What Would Trigger Differentiation from Standard Correction or Worse? 23:50 - Higher Oil = Higher Treasuries? 28:26 - Space Stocks, Momentum Trading, & Space-X IPO 31:27 - The Roth Conversion Conundrum 33:53 - APLD Positioning & Short Squeeze 36:21 - Correlation of Assets - What to do when trades don't work 40:46 - Microsoft, AI, & Layoffs 41:48 - What is Your Plan for a Market Downturn? 49:14 - Social Security Reform - Raising Minimum Retirement Age? 55:02 - In What Sector will Space-X Be Placed? Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Articles mentioned in this report: "The NVDA Earnings Report: Could It Pop The Gamma Bubble?" https://realinvestmentadvice.com/resources/blog/the-nvda-earnings-report-could-it-pop-the-gamma-bubble/ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/ngEmjqsUFTY ------- Watch today's "Before the Bell" feature, "Market Decoupling Danger," here: https://youtu.be/uDPuWbEqO-E ------- Watch our previous show, "U.S. - Iran Risks You Cannot Ignore" https://youtube.com/live/YT_BHXcoydw ------- * REGISTER for our next Dynamic Learning Series presentation, "A SimpleVisor Tutorial," Thursday, June 4, 2025 at Noon: https://streamyard.com/watch/MwairsimgmnS -------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #BullMarket #MarketCorrection #FederalReserve #Investing #Investing #Retirement #FinancialPlanning #SocialSecurity #SpaceXIPO

Cority has been quietly building environmental, health, and safety software for forty years, and Amanda Smith runs the strategy keeping up with AI that changes every six months. She and Chuck get into why a system of record beats raw AI on life or death calls, how a 600 page permit went from months to minutes, the stat that 95 percent of employees are already using shadow AI, and the PDF problem that has every energy company stuck.Click here to watch a video of this episode.Join the conversation shaping the future of energy.Collide is the community where oil & gas professionals connect, share insights, and solve real-world problems together. No noise. No fluff. Just the discussions that move our industry forward.Apply today at collide.ioClick here to view the episode transcript. 0:00 The Cority story and 40 years in EHS software2:30 How the software shows up on a rig and in the office5:45 The SaaS apocalypse question and why context beats raw AI9:30 Amanda's family mining history and why this work is personal11:00 Recruiting AI talent to Houston and the six month change cycle15:00 Shiny objects versus solving real problems18:00 Auditability, HIPAA, and the black box problem19:30 Where Collide is heading as an operating system23:00 Employee resistance and the friction point playbook27:30 Six hundred page permits, 3000 filings, zero mistakes30:00 Agentic workflows as the new source of record34:30 Correlation, causation, and the shale revolution lesson37:30 The PDF problem and using 2 percent of energy data41:30 Learning to drive as the AI adoption analogy43:00 What we are not talking about today that we will be in five years48:30 Ninety-five percent of employees are using shadow AIhttps://twitter.com/collide_aihttps://www.tiktok.com/@collide.iohttps://www.facebook.com/collide.iohttps://www.instagram.com/collide.iohttps://www.youtube.com/@collide_iohttps://bsky.app/profile/collide-ai.bsky.socialhttps://www.linkedin.com/company/collideai

Christina Hello, everyone, I'm Christina Darnell, the managing editor of MinistryWatch. Welcome to the MinistryWatch podcast. In today's extra episode, I talk with Warren Smith about some news items that are slightly (even significantly) outside of our normal charity and philanthropy “beat.” So, Warren, what's up first? Warren Christian colleges are facing a federal challenge. Emily Belz is reporting for Christianity Today that a new Department of Education regulation “could crater” the programs of Christian colleges. Belz writes, “The regulation would label a bachelor's or master's program a “failure” if its graduates do not earn more than their peers without the degree. Students in these ‘failing' programs would be ineligible for federal financial aid.” Christina Why should Christian colleges be held to a lower standard than other colleges? Warren They shouldn't, but the Christian colleges are saying that this is not an apples-to-apples comparison. The graduates of engineering or accounting programs at Christian colleges should be compared to engineering and mathematics graduates of secular schools. But religious and theological studies students are not going into these fields for the money, and they don't have true analogs in secular schools. The new regulation essentially punishes students for their commitment to a ministry career. The Coalition of Christian Colleges and Universities and the Association for Biblical Higher Education are fighting the new rules. Christina On May 4, Supreme Court Justice Samuel Alito said the abortion inducing drug mifepristone – used in nearly two-thirds of U.S. abortions – can continue to be prescribed via telehealth, dispensed at retail pharmacies, and delivered to patients in the mail. Warren This is a huge setback for the pro-life cause. The Dispatch has provided a helpful “explainer” of what is going on now, especially at the states. Bottom line: thirteen states ban abortion entirely, but with telemedicine, abortions continue in those states. To see the status in all fifty states, click here. Christina Speaking of abortion, Ryan Burge injects some data into the conversation. Warren He has some graphs showing that support for abortion has gone up over the past 50 years, even among evangelicals. In some cases, support has gone up significantly. But that rise masks an important fact. From about 1997 until about 2007, support for abortion went down. Burge does not track the number of actual abortions, but they went down too. Christina So, what happened in 2007? Warren The iPhone. Facebook. Twitter. Correlation does not mean causality. But lots of social theorists from Jean Twenge to Jonathan Haidt have suggested that around 2007 is when we stopped talking to each other, and we retreated into our digital foxholes and started lobbing mortars at those in other foxholes. We used to persuade in the public square. Now, we pummel. The public square has become the scene of a cage fight. Whatever you think of my theory, I do suggest you check out Ryan Burge's data, which you can find here. Christina Colorado Springs has long been the mecca for Christian ministries, but in recent years there are signs that the city is losing its appeal. Warren The latest sign is the announcement that the pro-life organization Save The Storks is moving from The Springs to Dallas. The organization said in a statement that the move was “strategic,” to “centralize operations and expand support for women nationwide.” Christina They're not the first to leave. Warren CauseIQ estimates that about 20 ministries have moved or shut down in Colorado Springs in the past five years. In 2020, the Christian and Missionary Alliance national headquarters left Colorado Springs and moved to Columbus, Ohio, to be nearer the majority of its churches. Colorado Springs is still home to Focus on the Family, Compassion International, The Navigators, Young Life, and other major ministries, but as the city does not have a major airport, and – with traffic – downtown Colorado Springs can be two hours from the Denver airport. Christina We normally don't report about ourselves, but we have a few updates this week. Warren I was recently on Christianity Today's podcast The Bulletin. It was my second appearance in as many months. If you do not subscribe to The Bulletin, you can listen here. I also wanted to let you know that MinistryWatch has won recognition for our work from the Evangelical Press Association. Tony Mator, Kim Roberts, and I won awards at the annual meeting in Nashville. I also wanted to mention that we may need to re-name the MinistryWatch 1000 database. As of this week, we now have 1500 ministries in the database, representing more than $55 billion in annual revenue. Thanks to Kim Roberts, Rod Pitzer, Rob Martin, Stephen duBarry for their contributions to growing our database. Christina In fact, you and I are both in Nashville this week for the EPA conference. You'll be on the road next week, too. Warren Readers in Dallas, Colorado Springs, and Denver. I will also be in Dallas next week, and I will be holding a lunch for readers. I will be Knoxville later in May. I will be speaking at Summit Ministries in Manitou Springs in June, so I will be doing reader lunches in Denver and Colorado Springs during that trip. Let me know if you would like to join us. My email is wsmith@ministrywatch.com. Christina That brings to a close this EXTRA episode of the podcast. The producer for today's program is Jeff McIntosh. I'm Christina Darnell, along with Warren Smith. Until next time, may God bless you.

Is the AI job apocalypse a marketing strategy and not an economic forecast?It's nuanced, and today we tap into first wave stats for clarity.Correlation does Not imply Causation. The divergence is real, but timing also coincides with the Fed's aggressive rate hikes and sustained tightening. That said, AI is likely to reshape the labor market—not just in the number of jobs, but in the types of roles that exist - after giants clean up the BLOAT.People think the AI job crisis is about technology, but it's really about wealth inequality. - Scott GallowayPURE FACT. Every generation has its version of this story.The one where machines come for the jobs.Where the future arrives faster than people can adapt.Where the world you knew is about to end.This time around, the story has better PR and a much bigger budget — but underneath, it's the same script.I'm not saying this is nothing to worry about - we all feel the speed. In fact, the current evolution of AI is 300X faster than the Industrial Revolution. So….here's what I keep coming back to so we can understand the middle phase of the tech boom we are living through. The loudest voices warning us about the AI job apocalypse are also the people who profit most when we believe them.Anthropic's CEO says half of all entry-level white-collar jobs will be wiped out in five years.Elon says no job will be needed.Sam Altman wrote, before ChatGPT even launched, that the price of human labor was about to fall toward zero.Notice the pattern?The people predicting an extinction-level event are the same people building the asteroid and selling tickets to watch.We've Been Here BeforeThis panic isn't new.The Nobel-winning economist Robert Shiller has shown that fears about machines replacing humans helped fuel economic downturns in the 1800s.Science fiction later convinced people that automation caused the Great Depression.Computer panic deepened the recession of the early ‘80s.His point was simple.The damage doesn't usually come from the technology itself.It comes from the story we wrap around it.People feel pain from a normal recession, blame the machines, get more pessimistic, pull back further, and the story becomes the thing that creates the outcome it warned us about.That's exactly what I think is happening right now.AI is becoming a convenient cover story for layoffs that are really about over-hiring, inflation, and tariffs.Look at the numbers.U.S. tech employment grew from 8.7 million in 2020 to 9.6 million in 2023, then went flat.Not great.Not the apocalypse either.Meta's 10% cut is just bringing the company back to its 2021 size.Microsoft's 7% cut still leaves it 47% bigger than before the pandemic.Tesla announced it was hiring more, then laid off 10% of its workforce a month later — because of weak sales, not robots.This isn't the prelude to the end of work.It's a low-hire, low-fire labor market.That's it.Three Ways This Resurgence Plays OutScenario one: the bubble pops.The Mag 10 now make up 40% of the S&P.AI stocks have driven the majority of the market's returns since ChatGPT launched.If AI sneezes, the rest of the economy gets the flu.And when that recession comes, we'll blame AI for it — even though, historically, layoffs come in recessionary bursts, not the moment a new technology arrives.Scenario two: AI delivers, just slower than they say.When something gets dramatically cheaper, we don't use less of it.We find a million new uses for it.That's Jevons paradox.When the spreadsheet launched in 1979, everyone said accountants were finished.Instead, the profession quadrupled over the next 40 years.The same pattern shows up everywhere computers got adopted heavily — employment grew faster, not slower.Programmers today are coding less and thinking bigger.They've gone from construction workers to architects.The real question for any knowledge profession isn't “will AI replace this?”It's “is the human demand for analysis, judgment, and oversight elastic?”I think it is.And I think we're about to discover how much demand has been quietly waiting for the cost of execution to drop.Scenario three: the disruption outruns us.This is the scary one.AI hits every sector at once, no policy response, full collapse of the recovery cycle.But here's the part most people miss.Real societal upheaval almost never comes from unemployment.It comes from people who are working hard and still falling behind.From the loss of economic dignity.If that sounds familiar, trust your gut.We're already living in it.What's Really Going OnInside Silicon Valley, the mood is dark.People talk seriously about a “permanent underclass” and a “limited window” to build wealth before robots take over.I think this is a shared hallucination.The same people obsessed with AI's rapid capabilities are ignoring everything else about how economies, labor markets, and human demand actually work.And here's the tell.Only Americans earning over $200,000 a year see AI as a net positive.That's not a fact about AI.That's a fact about who has access to opportunity in this country.The AI jobs panic is just the newest scene in a much older story about wealth inequality.The real disruption isn't going to come from AI.It's going to come from the public finally noticing that the people warning us about the fire are the same ones selling the smoke detectors.The AI job apocalypse isn't an economic forecast.It's a marketing campaign.We're not watching the end of work.We're watching the monetization of fear.Life is so rich. Especially when you realize your inherent creative power and the evolution of our society has bright day's ahead of us. Not the doom - change, and fast? Yes, but the Universal Law of Order is always flowing from chaos to order. Your thoughts? Here's MY thoughts on AI brought to LIFE for REAL SOLUTIONS. How I view AI.....within the SPACE of the LIGHT Between Oracle Healing Journey.“Between stimulus and response there is a space. In that space is our power to choose our response. In our response lies our growth and our freedom.” - Viktor FranklThe Light Between is the conscious, sovereign light that we must maintain between our stimuli and responses. This is the light of discernment, wonder, and creativity - the light where humans truly thrive at our full capacity, rather than merely coping.I'm building a movement to advocate for preserving this vital light. Safeguarding this Light Between will enable the mindful and beneficial integration of AI into our lives.It is the wellspring of our agency, our ability to thoughtfully shape our responses to the world. Protecting and nourishing this Light is paramount as we navigate the increasing presence of artificial intelligence in our lives.In Closing…So if this lit up your heart and minds view of all the bright potential of transforming world of opportunity, then I'd love for you to experience the LIGHT BETWEEN ORACLE JOURNEY + INTUITIVE READINGS. Five Guides and a Five Layer Path…..to accelerate your intuition and problem solving. The Five-Layer Path integrates intention rituals, intuitive card draws, ancient wisdom teachings, somatic practices, and multidimensional exploration to support your journey. With your purchase, you gain access to:* Tailored Guidance: Personalized oracle readings to answer your questions.* Your Place of Power: Tools to discover and transform disempowering states.* Self Hypnosis: Techniques to rewire the subconscious, enhanced by the Neuro-Nature Self Hypnosis App.* Soul Prayer: Contemplative practices to deepen your connection to inner wisdom.* Poetic Insights: A space to save reflections for creative expression and meaning.* Five-Layer Path for Integration: A holistic approach combining intention, intuition, ancient teachings, somatic practices, and multidimensional awakening.Start for FREE and upgrade for deep awakenings and spiritual problem solving that resolves the daily self doubt and uncertainty. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit thelightbetween.substack.com/subscribe

This episode of Last Call breaks down one of the most confusing market environments in recent memory: why stocks continue to rise despite war, oil shocks, and growing macro risks. Through conversations with Jim Paulsen, Ben Hunt, Kevin Muir, and Brent Kochuba, we explore the tension between strong earnings, hidden risks in private credit and global growth, and the powerful role of flows and positioning in driving markets higher.Follow Last Call on Spotify⁠⁠⁠⁠⁠⁠⁠⁠Follow Last Call on Apple Podcasts⁠Topics CoveredWhy markets are ignoring war, oil shocks, and geopolitical riskThe “supernova” risk in private credit and why it hasn't hit markets yetHow supply-driven inflation differs from 1970s-style demand inflationWhy pessimistic sentiment may actually be supporting marketsThe role of earnings growth and valuation resets in fueling the rallyBull vs bear case for markets based on macro, earnings, and positioningWhy free cash flow trends may be more concerning than earningsHow options flows and dealer positioning are suppressing volatilityThe AI capex boom and its impact on market leadership and breadthThe growing divide between Mag 7 earnings and the rest of the marketTimestamps00:00 Intro and market overview01:37 Why markets are not falling despite negative news03:00 Buy-the-dip behavior and earnings resilience06:11 Ben Hunt on “supernova” risks in private credit08:00 Hidden credit crunch in middle market companies10:24 Why private credit matters for economic growth14:10 Oil supply shocks and global growth risks17:00 Why markets can ignore risks before they appear18:48 Jim Paulsen on market resilience and sentiment20:00 Why pessimism may reduce downside risk22:24 Inflation vs labor force growth framework24:00 Why current inflation is supply-driven, not demand-driven26:00 Potential shift from inflation focus to growth focus29:11 Kevin Muir on bull vs bear market setup31:00 War impact on rates, oil, and positioning33:00 Fed reaction and shifting rate expectations35:00 Why earnings remain the dominant market driver37:00 Why geopolitics often doesn't move markets40:00 Bear case: weak free cash flow and employment risk44:26 Brent Kochuba on options flows and positioning47:00 Why markets ignore rising rates and oil49:00 Call buying, dispersion, and tech leadership51:00 Energy as both hedge and AI-driven opportunity54:00 Correlation, volatility, and market structure56:00 Dealer positioning and suppressed volatility58:00 Earnings strength and narrow market leadership01:01:00 Free cash flow vs earnings debate01:01:55 AI capex and long-term market implications

Muscle Minds 185: Is progressive overload actually REQUIRED for muscle growth? Dr. Scott Stevenson and Scott McNally break down brand-new research that challenges one of the biggest gym dogmas. Discover what the latest studies really show about hypertrophy with vs without overload, the true role of effort, effective reps, training to failure, and what this means for your long-term training. 00:00 - Introduction to the study and research questions on progressive overload 02:52 - Breakdown of the experimental design and training conditions 05:02 - Key findings: muscle growth with and without progressive overload 09:36 - Importance of effort, reps, and reserves in hypertrophy studies 12:30 - Evidence of muscle growth even without overload and what it means 17:35 - How training to failure and effective reps relate to hypertrophy 22:28 - Correlation between overload and muscle gain—what's missing in research 26:21 - Limitations of short-duration studies for long-term training outcomes 31:30 - Practical insights and real-world implications for resistance training 43:41 - Challenges in research measurement techniques and logistical considerations

My new book is The Price of Becoming. To order, go to www.LearningLeader.com/Becoming This is brought to you by Insight Global. If you need to hire one person, hire a team of people, or transform your business through Talent or Technical Services, Insight Global's team of 30,000 people around the world has the hustle and grit to deliver. My Guest: Will Guidara is the former co-owner of Eleven Madison Park, the restaurant he took from a struggling two-star establishment to become the number one restaurant in the world. He's the author of the New York Times bestseller Unreasonable Hospitality, the host of the Welcome Conference, and a co-producer on the Emmy award-winning series The Bear. Notes: Key Learnings "Obsession is a beautiful thing when you can grab it by the tail." This quote is from chef Sean Brock when he opened his pizza place in Nashville. For Will, obsession is when you care so much about something that you give all of yourself to bring its most fully realized version to life. What obsession means to Will: "Loving with every ounce of my being the pursuit of something."  He can't imagine a life where he doesn't have something to be obsessed about. When you lose yourself in the pursuit of something, that's when it gets ugly. Obsession is a beautiful thing if you can grab it by the tail. For those that can't, it becomes ugly. You need to hold onto yourself while obsessively pursuing whatever it is. Find a hobby to be obsessed with before you retire. Will is 46 and has seen people he's long looked up to finally retire in their late seventies without a hobby they're obsessed with. They're feeling listless and without purpose. He's thinking about this now for his future: start to become obsessed with a hobby so that when you do one day retire, there's something else to fall into. "Adversity is a terrible thing to waste." You cannot always control what life throws at you, but you can always control how you react to those things, what you choose to learn from them, how you allow them to fuel your competitive spirit, the perspective you glean from those moments. Allow yourself and your team to feel the weight of the disappointment. When there's a moment of adversity, leaders hear "adversity is a terrible thing to waste" and immediately shift into cheerleader mode. That is not the right thing to do. You need to allow yourself to be as human as humanly possible, and give your team the grace to fully feel the weight of that disappointment.  Sometimes adversity sucks, and you just need to be able to say, "This sucks. I don't feel good. I feel bad. Let's feel bad for a moment." Suffer together. When your team is going through adversity, you want to know that your leader thinks it sucks, too. It's good to feel bad alongside a community, but then after a measure of time, that's when you say, okay, now how do we grow from this? How do we use this to compel us forward? Be thankful for the tough moments. Will can look back at every tough moment with gratitude. The girl who broke his heart two years before he met his now wife, he's so grateful that she did. Breaking up with his business partner and selling his restaurant company felt like the worst thing ever, but he wouldn't have written Unreasonable Hospitality had that not happened. "Who is a restaurateur without restaurants?" COVID forced Will to find the space to decide what he wanted to do next. When he sold the company, two days later, he had a full-blown identity crisis. COVID gave him the gift of forcing him to find the space to decide what he wanted to do next, as opposed to running back to do the thing he'd always done. Team first. "The best way to make sure that you are taking care of your customers is to start by taking care of your team." This is what Will learned from Danny Meyer. The power of language to define a culture. How beautiful and impactful it is when you take the time to clearly and succinctly articulate your values through language. Danny spoke in "isms." Every time he gave them an ism, it was clear that thing mattered to him, so it needed to matter to the team as well. Cult is short for culture. Will's friends from college joked that he worked for a cult, but cult is short for culture. The funny thing is, they worked for companies that lacked a culture. Every great team feels a little cultish, and that's because of the leader. Hospitality is the advantage. The only competitive advantage that exists over the long term comes through hospitality. Every company is trying to identify its competitive advantage: what is the thing about the business that will prevent someone else from coming in and taking away its customers? Those conversations almost always center around the quality of the product or the strength of the brand. Here's the thing: it does not just matter how good the product is, and it does not just matter how strong the brand is, because eventually someone's going to come around and build a better product or create a stronger brand. Relationships matter. Hospitality comes through consistently, generously, and creatively investing in relationships. Those take a long time to build, and if you build them in the right way, the loyalty you will earn takes a very long time to erode. McDonald's vs. Chick-fil-A. The hospitality difference. McDonald's does some of the coolest marketing things in the world. Their product is consistent, and there was probably a season for a very long time where they were the best burger chain out there. Compare that to Chick-fil-A: if you ask 10 people who makes a better chicken sandwich, a lot of people would say other people make better chicken sandwiches than Chick-fil-A. But people are still loyal to Chick-fil-A, not because of the brand, not because of the product, but because of the way that they make people feel. Little gestures go a long way. Chick-fil-A does things like "my pleasure" and refilling your drinks in the dining room. These little gestures go a long way because we are much less likely to leave one company and go to another, even if the other company is better priced and the product is a little bit better. Food is just a conduit through which to express hospitality. As many stories as you hear about Chick-fil-A doing little and big things to make people feel seen, you don't hear those stories about McDonald's. And that's not an accident. One company has chosen to invest all of itself in pursuit of that. The other one has not. If you're in the business of serving other people, these opportunities exist for you in an endless way. Find the smallest touchpoints. Every experience you're serving is filled with lots of big and little touchpoints. The problem is so many companies focus on only the most obvious touchpoints without realizing that there is impact to be made with each one of them.  Hospitality is a craft, a muscle that you can strengthen. Will created the Welcome Conference because he wanted someone who was a server at a restaurant who had dreams to own their own restaurant to have a place where they could learn about the craft of hospitality. What you can't afford to do with money, you can afford to do with time. Will can't afford the kind of speaking fees that people who inspire others on stage at his conference deserve, so he came up with a more creative way to show appreciation: a dinner the night before. It's about community, because the people who take that stage have the responsibility to create the conditions through which attendees can come together and form community. And it's impossible to form a community for others until you first feel a sense of community amongst yourselves. There needs to be a good reason for the event to exist. Will created the Welcome Conference years ago because there were chef conferences all over the world, and he was always the only dining room person speaking at them. He wanted a place for the dining room people to have community. Gift bags are a terrible idea. People think the more they put in the bag, the more hospitable they are. It's usually junk. "I look at something, design the version of that I wish existed, work obsessively to bring that vision to life, and then welcome others into my imagination."  What makes a great conference is meeting the people at those events. The best events are about the people in between the meetings. That time matters. Energy in a room is so important. Will is one of the most extroverted people in the world, but if he walks into a cocktail party and he doesn't know anyone, he seizes up. He doesn't like it. He likes to be around people he knows. Be a connector. A month before Will's event, he realized many people were coming alone, which he wasn't expecting. They sent an email to all of them and said, "We saw that you're coming alone. We have an idea. If you'd like to meet some people, let us know." They set up dinner reservations at Will's favorite restaurants in Nashville and did some matchmaking. Those 40 people ended up coming into the beginning of the conference the next day already like this one big, awesome community. Make the "yes" as easy as possible.  Will gets Emmy screeners, and some people send DVDs (which he doesn't have a player for), while others send QR codes, which make it very easy to watch. The lesson: make it easy for people to say yes to what you're offering. Shop your own business. Stay in your own hotel. Until you've actually been on the receiving end of whatever you're serving, you have an inability to see all the things you're doing wrong or the opportunities you have to do more things right. "Never let a gracious impulse pass." There's the devil and angel on your shoulder. The devil will tell you how hard it will be. Don't listen to that. If you are going to shop your own business, when an idea pops up, do something about it. Get out of the sea of mediocrity. The Unreasonable Hospitality Guide is the "how." There are exercises on how to build a team, how to build a culture of hospitality, how to work with your team to create magic, daily huddles to move the needle, the dreamweaver concept, etc. "I've never once regretted caring more. I have regretted not caring enough." People can't always notice things, but they can feel it. Reflection Questions What are you obsessed with? If you had to retire tomorrow, what hobby would you fall into? If you don't have one, what can you start becoming obsessed with now? What adversity are you currently facing? Have you allowed yourself and your team to fully feel the weight of that disappointment before shifting into problem-solving mode? Map out every single touchpoint in your customer experience. Which ones is nobody else thinking about? How can you make those more awesome? More Learning #545 - Will Guidara: The Remarkable Power of Giving People More Than They Expect #372 - Will Guidara: The Nobility of Service Podcast Chapters 01:00 The Price of Becoming 02:16 The Correlation of Obsession and Excellence 08:06 Adversity Is Fuel 11:38 COVID Identity Reset 15:19 Lessons From Danny Meyer 20:36 The Hospitality Advantage 26:01 Touchpoint Experience Audit 28:55 Welcome Conference Preview 30:44 Creating Community Over Dinner 32:02 Creating A Magical Event  33:35 Why Events Must Exist 35:30 Designing Hospitable Touchpoints 40:42 Make It Easy To Say Yes 45:58 Never Let a Gracious Impulse Pass 47:29 Unreasonable Hospitality Field Guide: The How To 51:20 Obsession, Care, And Excellence 55:53 EOPC

Breast implants may have become increasingly common—but for some women, the experience doesn't always unfold the way they expected. On this episode of The Dr. Hyman Show, I sit down with Dr. Jonathan Kanevsky, a board-certified plastic surgeon who made the decision to stop performing breast implant procedures after years of listening closely to his patients. We explore what he started seeing, how to approach this decision, and what alternatives are now available. Watch the full conversation on YouTube, or listen wherever you get your podcasts. You'll learn: • How to tell if your symptoms may be connected to breast implants • What to consider before deciding to remove them • Why recovery after explant looks different for everyone • What safer, more natural alternatives are available today • How to support your body before and after surgery for better recovery This is a complex and deeply personal decision. My hope is that understanding the full picture helps you make a more informed one. View Show Notes From This Episode Get Free Weekly Health Tips from Dr. Hyman https://drhyman.com/pages/picks?utm_campaign=shownotes&utm_medium=banner&utm_source=podcast Sign Up for Dr. Hyman's Weekly Longevity Journal https://drhyman.com/pages/longevity?utm_campaign=shownotes&utm_medium=banner&utm_source=podcast Join the 10-Day Detox to Reset Your Health https://drhyman.com/pages/10-day-detox Join the Hyman Hive for Expert Support and Real Results https://drhyman.com/pages/hyman-hive This episode is brought to you by Maui Nui, Pique, Perfect Amino, BIOptimizers, Korrus and Made In Cookware. Go to mauinuivenison.com/hyman to claim your free 6-pack of their Wild Axis Venison Jerky Sticks. Secure 20% off your order plus a free starter kit at piquelife.com/hyman. Go to bodyhealth.com and use code HYMAN20 to get 20% off your first order. Head to bioptimizers.com/hyman and use promo code HYMAN at checkout to save 15%. Visit Korrus.com/DrHyman for 15% off their newest product OIO Sphere with code HYMANSPHERE15. Visit MadeInCookware.com and use code HYMAN10 for 10% off your order. (0:00) Breast implants, health concerns, and medical profession perspectives (0:58) Introduction of Dr. Jonathan Kanevsky and personal stories (2:31) Correlation between breast implants, illness, and safety concerns (4:06) Breast implant-associated cancer, FDA warnings, and patient symptoms (6:29) Gaslighting in medicine and types of complications (8:02) Autoimmune reactions and explant surgery (13:15) Challenges and outcomes of explant surgery (16:57) Understanding toxins, metabolic, and cognitive effects of implants (18:36) The future of safe breast augmentation surgery (20:32) Introduction and history of fat grafting (23:14) Fat grafting techniques, results, and risks (28:50) New technologies in fat transfer and critique of new implants (33:10) Banking, growing, and sharing your own fat (36:27) Addressing ongoing concerns about implants' health impacts (40:23) Surgery as ceremony: concept, history, and protocols (49:42) Post-surgery care, recovery, and dietary recommendations (55:10) Whole food, plant-based diets and nutritional interventions (57:29) Integrating alternative therapies and new surgical technologies (58:06) Where to find Dr. Jonathan Kanevsky and closing remarks (59:20) Disclaimer and final notes

The Dean's List with Host Dean Bowen – New research tracks children from infancy to adolescence, revealing how early screen exposure may reshape brain development, slow decision-making, and increase anxiety risk. Findings highlight infancy as a critical window and show how simple parental interactions, like reading together, can help offset potential long-term cognitive and emotional impacts...

Questions? Comments?With geopolitical tension rattling markets and investors stampeding into cash, gold, and energy, Don and Tom step back to deliver a familiar message: nobody knows what's next—and anyone claiming otherwise is selling something. They walk through the behavioral traps of market timing, explain why diversification (especially beyond U.S. large caps) is quietly doing its job, and highlight the role of small cap and micro-cap stocks as part of a broader portfolio—not a silver bullet. Along the way, they mix in listener calls, practical tips (including liquidity strategies and avoiding irreversible investments), and a running acknowledgment that while their radio era is ending, the core mission—keeping investors from doing something dumb—isn't going anywhere.0:04 CBS Radio shutdown vs. TRM leaving radio—industry shift toward podcasts1:32 War-driven market anxiety: money flows to cash, gold, and energy2:54 Interest rate expectations flip—uncertainty dominates3:16 Jason Zweig warning: beware “I know what's next” pitches4:24 Market timing trap—getting back in is the real failure point5:37 Diversification reality—why global exposure smooths outcomes7:08 Financial Fysics Kindle release and podcast transition reminders9:53 “Retirement Plan” film event plug and discussion preview13:37 Listener question: small cap value vs. large cap performance15:44 Correlation explained—why asset classes don't move in lockstep16:29 Small cap value premium—historical outperformance rationale21:49 Micro-cap ETF discussion (DFMC)—extreme diversification option24:47 Caution: aggressive funds are optional, not necessary27:52 Listener success story—laddering cash with CDs for caregiving33:40 Core advice: avoid irreversible financial decisions34:49 Liquidity matters—dangers of annuities and illiquid investments35:55 Wall Street “new ideas” skepticism—most benefit the seller36:21 Final push: transition to podcast-only formatLearn more about your ad choices. Visit megaphone.fm/adchoices

With geopolitical tension rattling markets and investors stampeding into cash, gold, and energy, Don and Tom step back to deliver a familiar message: nobody knows what's next—and anyone claiming otherwise is selling something. They walk through the behavioral traps of market timing, explain why diversification (especially beyond U.S. large caps) is quietly doing its job, and highlight the role of small cap and micro-cap stocks as part of a broader portfolio—not a silver bullet. Along the way, they mix in listener calls, practical tips (including liquidity strategies and avoiding irreversible investments), and a running acknowledgment that while their radio era is ending, the core mission—keeping investors from doing something dumb—isn't going anywhere. 0:04 CBS Radio shutdown vs. TRM leaving radio—industry shift toward podcasts 1:32 War-driven market anxiety: money flows to cash, gold, and energy 2:54 Interest rate expectations flip—uncertainty dominates 3:16 Jason Zweig warning: beware “I know what's next” pitches 4:24 Market timing trap—getting back in is the real failure point 5:37 Diversification reality—why global exposure smooths outcomes 7:08 Financial Fysics Kindle release and podcast transition reminders 9:53 “Retirement Plan” film event plug and discussion preview 13:37 Listener question: small cap value vs. large cap performance 15:44 Correlation explained—why asset classes don't move in lockstep 16:29 Small cap value premium—historical outperformance rationale 21:49 Micro-cap ETF discussion (DFMC)—extreme diversification option 24:47 Caution: aggressive funds are optional, not necessary 27:52 Listener success story—laddering cash with CDs for caregiving 33:40 Core advice: avoid irreversible financial decisions 34:49 Liquidity matters—dangers of annuities and illiquid investments 35:55 Wall Street “new ideas” skepticism—most benefit the seller 36:21 Final push: transition to podcast-only format Learn more about your ad choices. Visit megaphone.fm/adchoices