Podcasts about costs

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3415: Marjolein Dilven reveals the hidden financial drain of maintaining a job, from commuting expenses to wardrobe updates and higher taxes. By unpacking both direct and indirect work-related costs, she empowers readers to rethink their true take-home pay and consider the potential savings in early retirement. Read along with the original article(s) here: https://radicalfire.com/costs-of-working/ Quotes to ponder: "You're probably spending more money on work than you realize." "When you stop working, most of the taxes will go away." "Dressing for success also costs us a significant amount of money each month." Learn more about your ad choices. Visit megaphone.fm/adchoices

Think AI will free you from ‘mundane bookkeeping' so you can do advisory? Blake and David say it's the opposite. Hear how owners already use AI as a de facto CFO, why drafting narratives—not matching bank feeds—is the real win, what the ‘AI premium' means in a billable-hour world, and the two numbers firm owners should track in 2026: monthly recurring revenue and bottom-line profit.SponsorsUNC - http://accountingpodcast.promo/uncOnPay - http://accountingpodcast.promo/onpayTaxBandits - http://accountingpodcast.promo/taxbanditsChapters(01:35) - News Highlights and Sponsor Acknowledgements (03:56) - AI in Small Business Accounting (07:04) - AI's Impact on Accounting Tasks (10:01) - Thought Leader Survey on AI in Accounting (19:56) - AI Premium and Job Automation (25:27) - Survey Answers from Accounting Thought Leaders (25:54) - AI's Role in Strategy and Decision Making (28:24) - Impact of AI on Competitive Landscape (30:50) - AI's Effect on Costs in Accounting Firms (31:54) - AI Replacing Staff Accountants (33:24) - Personal Job Security and AI (41:05) - AI Influencers and Future Experiments (49:24) - Conclusion and CPE Information  Show NotesThese Small-Business Owners Are Putting AI to Good Use https://www.wsj.com/tech/ai/small-business-ai-chatgpt-prompts-0c9a95c4 AI Thought Leaders Survey 2026: Process Predictions https://www.accountingtoday.com/list/ai-thought-leaders-survey-2026-process-predictions Tech Spending Outpacing People Spending as Firms Adopt AI https://www.accountingtoday.com/list/tech-spending-outpacing-people-spending-as-firms-adopt-ai How Much is the 'AI Premium?' https://www.accountingtoday.com/list/how-much-is-the-ai-premium AI Can't Replace Accountants. When Could It? https://www.accountingtoday.com/list/ai-cant-replace-accountants-when-could-it Accounting in 2026: The Year Ahead in Numbers https://www.accountingtoday.com/list/accounting-in-2026-the-year-ahead-in-numbers AI Vending Machine Lost $1,000 to Social Engineering https://www.wsj.com/tech/ai/anthropic-ai-claude-vending-machine-c7baef6f Anthropic's Project Vend Phase 2 https://www.anthropic.com/research/project-vend-2 Trump Commutes Sentence of Private Equity CEO Convicted of Fraud https://www.cnn.com/2025/12/01/politics/david-gentile-trump-pardon Trump Commutes 7-Year Prison Sentence of Former Private Equity CEO David Gentile https://www.nbcnews.com/politics/white-house/trump-commutes-7-year-prison-sentence-former-private-equity-ceo-david-rcna246744 California's Controversial Wealth Tax Proposal Leaves Billionaires With Little Way Out https://www.cnbc.com/2026/01/08/california-wealth-tax-proposal-leaves-billionaires-with-little-way-out.html California Could Impose a Billionaire Tax. Here's How It Would Work https://www.cbsnews.com/news/california-billionaire-tax-ballot-initiative-how-it-works/ New Tax on the Wealth of Billionaires https://lao.ca.gov/BallotAnalysis/Initiative/2025-024Need CPE?Get CPE for listening to podcasts with Earmark: https://earmarkcpe.comSubscribe to the Earmark Podcast: https://podcast.earmarkcpe.comGet in TouchThanks for listening and the great reviews! We appreciate you! Follow and tweet @BlakeTOliver and @DavidLeary. Find us on Facebook and Instagram. If you like what you hear, please do us a favor and write a review on Apple Podcasts or Podchaser. Call us and leave a voicemail; maybe we'll play it on the show. DIAL (202) 695-1040.SponsorshipsAre you interested in sponsoring The Accounting Podcast? For details, read the prospectus.Need Accounting Conference Info? Check out our new website - accountingconferences.comLimited edition shirts, stickers, and other necessitiesTeePublic Store: http://cloudacctpod.link/merchSubscribeApple Podcasts: http://cloudacctpod.link/ApplePodcastsYouTube: https://www.youtube.com/@TheAccountingPodcastSpotify: http://cloudacctpod.link/SpotifyPodchaser: http://cloudacctpod.link/podchaserStitcher: http://cloudacctpod.link/StitcherOvercast: http://cloudacctpod.link/OvercastWant to get the word out about your newsletter, webinar, party, Facebook group, podcast, e-book, job posting, or that fancy Excel macro you just created? Let the listeners of The Accounting Podcast know by running a classified ad. Go here to create your classified ad: https://cloudacctpod.link/RunClassifiedAdTranscriptsThe full transcript for this episode is available by clicking on the Transcript tab at the top of this page

Long-term care has quickly become one of the greatest financial and emotional pressures facing American families. Rising costs, longer life expectancy, and limited insurance coverage have created a situation few retirees are prepared for. On today's episode of Faith and Finance, Harlan Accola joins us to explore this issue. He leads the reverse mortgage team at Movement Mortgage and works closely with families navigating long-term care decisions.Accola describes long-term care as “the elephant in the room.” As Baby Boomers age and care needs rise, families are trying to balance support for aging parents with raising children and managing their own financial responsibilities. Many households avoid discussing care needs until a crisis forces difficult decisions.The numbers reveal why planning is essential. Studies estimate that between 50% and 70% of retirees will require some level of long-term care during their lives. Yet more than 90% of those individuals have not purchased long-term care insurance—and many assume Medicare will cover the cost of nursing or assisted living facilities. In reality, Medicare provides limited short-term rehabilitation benefits, while long-term care typically falls under Medicaid, which only applies once a person has depleted most of their financial assets.Costs vary widely by region, but nursing facilities can range from $80,000 to $120,000 per year, and in-home care providers may charge $30–$40 per hour. Just one or two years of intensive care can rapidly deplete savings intended to last decades in retirement.One of the most overlooked financial risks is the well-being of the surviving spouse. Accola notes that husbands often require extensive care first, and the assets used to pay for their care can leave their wives financially vulnerable after their passing. Without adequate planning, the surviving spouse may face an underfunded retirement and fewer choices for her own care needs.To address this gap, families are encouraged to expand their planning tools. One strategy Accola highlights is to tap housing wealth through reverse mortgages. Because many retirees have significant equity tied up in their homes, a reverse mortgage can unlock funds without requiring monthly payments. These tax-free dollars can be used to pay for in-home care, cover long-term care insurance premiums, or bridge the gap between retirement income and care costs. It also allows individuals to remain at home longer—often delaying or avoiding the need for costly facility care—and preserves retirement accounts for the surviving spouse.Accola emphasizes that reverse mortgages are not a universal solution, but they should be included in the suite of planning options that families evaluate, alongside insurance, savings strategies, and Medicaid planning. Far too many households ignore the issue entirely or assume Medicare will handle it.As long-term care needs continue to rise, proactive planning is no longer optional. Exploring the full range of financial tools available can reduce stress, protect surviving spouses, and provide dignity and stability during the later stages of life.On Today's Program, Rob Answers Listener Questions:I'm 66 and plan to retire at 70. I can take full Social Security at 66 and 10 months. Should I start benefits now while continuing to work full-time, or wait? If I take it now, should I place the funds in an IUL, an IBC strategy, or invest through my Edward Jones account?I've borrowed from my 401(k) several times over the past decade and paid myself interest. Since I hate paying interest on loans like auto loans, is borrowing from my 401(k) a better option than taking a regular loan? If an auto loan is at 5–6%, would it be better to borrow directly from the bank?If I make small extra payments each month on my mortgage and loan, is that roughly equivalent to making a single lump-sum principal payment each year, or does the timing make a difference?I have a question about IRA beneficiaries. If someone inherits an IRA, what would the tax implications be, and is there a better way to pass the money on than simply naming a beneficiary?My husband and I are 45 and 50, and we're considering a 1031 exchange on a property with about $250,000 in capital gains and $15,000 remaining on the mortgage. Should we move forward with the exchange, or would a different strategy make more sense?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Movement MortgageWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

How much does GTA 6 predict it will cost to finish making, the five things most likely to happen in 2026, building our perfect Pixar Avengers lineup, breaking down the Pop SuperBowl conspiracy, and more!----------SIGN UP FOR LEGENDZ CASINO AND SPORTSBOOKUSE CODE: "MAKESHIFT" for 100% Matchhttps://www.legendz.com/en-US/?register=me&btag=59_37ga824cidpidvar1var2var3var4var5affid59tid----------0:00 COSTS MORE? GTA OR THESE THINGS?4:19 MAKESHIFT UPDATES!8:23 5 THINGS MOST LIKELY TO HAPPEN!13:32 PIXAR AVENGERS MOVIE, WHO YOU GOT?20:51 CATHOLIC POPE SUPER BOWL CONSPIRACY!23:27 SIGN UP FOR LEGENDZ!24:40 WHAT CHATGPT WOULD DO AS A HUMAN?36:02 BRIAN'S MONOLOGUE!37:22 ZACH'S MONOLOGE!39:37 MEMBER SHOUTOUTS!

Most investors believe patience protects them—but in uncertain markets, hesitation often becomes the most expensive decision they make.Periods like this don't reward confidence or optimism. They reward preparation, discipline, and the ability to act while others are frozen by fear. That tension sits at the center of this conversation.If you're serious about navigating cycles like this with more clarity and support, the real work happens inside the Tribe of Titans multifamily investing community—where operators go deeper on capital strategy, deal decisions, and asset management in real time.

First off — Happy New Year. To kick off the year, this week's episode of the Wealth Formula Podcast is a solo one from me. I spend the episode walking through my outlook for 2026 and sharing a few predictions for how I think this cycle is going to play out. Lately, I keep hearing the same question phrased in different ways. The economy feels tight, but markets are holding up. Growth is coming in stronger than expected, inflation is easing, and yet a lot of the signals people usually rely on just don't seem to be lining up. That disconnect is really the starting point for this episode. Rather than reacting to headlines or making short-term calls, I wanted to step back and talk through the mechanics of what's actually driving this environment — and why it looks so different from the cycles most of us learned about. A lot of it comes down to debt, policy constraints, how capital moves today, and the growing influence of technology. When you start looking at those pieces together, some of the things that feel confusing begin to make a lot more sense. This isn't meant to be alarmist or overly optimistic. It's simply an attempt to frame the environment clearly so you can think about it more intelligently — especially if you're deploying capital or deciding whether it makes sense to sit on the sidelines. If you've felt like the economy and the markets aren't really speaking the same language right now, I think you'll find this episode useful. Transcript Disclaimer: This transcript was generated by AI and may not be 100% accurate. If you notice any errors or corrections, please email us at phil@wealthformula.com.  You need to be out of the dollar and into the investor class because that that widening gap between those who have, who own things, who own assets and those who do not is gonna continue to widen. Welcome everybody. This is Buck Joffrey with the Wealth Formula Podcast, and today I am going to do something a little bit different. I’m gonna kind of give you. My perspective, maybe predictions I dare say about, uh, the upcoming year in 2026, how I look at it, what I think, uh, uh, is likely outcome and why. Not that I am any smarter than any of you on this stuff, but I’ve actually kind of sat down and, and thought about, you know, the things that are going on in the macroeconomic. Side of things and, um, put some stuff together and, uh, hopefully you’ll enjoy it. We’ll have, uh, that right after these messages. Wealth formula banking is an ingenious concept powered by whole life insurance, but instead of acting just as a safety net, the strategy supercharges your investments. First, you create a personal financial reservoir that grows at a compounding interest rate much higher than any bank savings account. As your money accumulates, you borrow from. Your own bank to invest in other cash flowing investments. Here’s the key. Even though you’ve borrowed money at a simple interest rate, your insurance company keeps paying you compound interest on that money even though you’ve borrowed it at result, you make money in two places at the same time. That’s why your invest. Get supercharged. This isn’t a new technique. It’s a refined strategy used by some of the wealthiest families in history, and it uses century old rock solid insurance companies as its backbone. Turbocharge your investments. Visit Wealthformulabanking.com. Again, that’s wealthformulabanking.com. Welcome back everyone, and, uh, happy New Year to you. I forgot to even say that in the intro. How rude of me. Hopefully you had a great holiday, you had a great Christmas, and you’re bringing in the new year with a vision of health and wealth and PO prosperity and all that stuff. So anyway, let’s talk a little bit about, uh, you know what I am. Kinda looking at for 2026. Now, when you think about, well, what are these predictions and what could they be and all that, um, interest rates, inflation markets, you know, uh, let’s set the foundation for how I’m thinking about it, because everything else really kind of builds on it. And the most important thing to understand is that debt. Is really now I think the main character in the economy. I know we, people have been talking about this for a very long time, but I think, I think the debt issue is really, really becoming something that cannot be ignored, and I’ll get into that in a while. Obviously, I’m not saying that inflation and interest rates don’t matter. They matter enormously. Uh, those are the things that people actually feel, right? Higher prices, higher mortgage rates, higher insurance costs. What I’m saying is that the level of debt now determines really how decisions on those things are made from policy makers. You know, how do they respond to inflation and interest rates, recessions market stress. What debt does is it actually kinda limits the range of choices around how policy makers react to all these things. So once you see that, the behavior of the economy starts to, I think, make a lot more sense. So let’s start with. Sovereign debt, and I’m gonna start really basic here because the question is, you know, what exactly is sovereign debt? Okay. And sovereign debt is the money a government owes, okay? In the US it exists because the government consistently spends more than it collects in taxes, and that gap is called the deficit. When that happens year after year, you have an accumulation of debt. Now, when debt is low, it’s, it’s pretty manageable, right? But when debt gets very large, it starts to influence policy decisions, and that’s where we are right now. Uh, here’s the key mechanic that I think most people don’t really think about, right? Governments don’t pay off debt the way you and I, you know, pay off our debt, like mortgage or whatever. They always refinance it, right? So when the US government borrows money, it issues bonds. That’s how it does, those bonds have maturity dates, and when you buy a bond, you’re, you know, you’re loaning the government money. So when a bond matures, the government owes that principle back to you. Right? So that’s, that’s kind of how well we talk about, we talk about debt, but the government doesn’t save money over time to pay off that bond. Like, I mean, that’s the way you would think about it for you and me, right? I mean, at some point you’re like, ah, I really need to pay off this debt. I’m just gonna pay it off with this money that I saved. Instead, what they do is when a bond comes due, it issues a new bond and uses the money from that new bond to pay back the old one. Okay. Now, if that sounds familiar, uh, to you, it’s because it’s pretty much what we would call in plain English refinancing, right? Now imagine though, the government issued a bond a few years ago when interest rates were near zero. That bond matures today, interest rates are much higher, right to pay off the old bond. The government issues a new one at today’s higher rates. So the debt doesn’t disappear, it just becomes more expensive to carry, right? I mean, it’s just like you got a mortgage, you know you had a, a great rate, but you only got it for seven years and all of sudden you gotta refinance it. Gosh, all of a sudden that rate went really higher and your payments are much higher, and the debt payments going up, you know, for the government, what adds to that deficit? It’s a really, really vicious cycle. Now, take that process and multiply it across trillions of dollars of debt. Now you can start seeing why interest rates matter so much in a high debt system. Now, what makes this especially important right now is that for over the last several years, the US issued a very large amount of short-term debt. Short-term debt matures quickly, and that means large portions of government debt. Come due every year and have to be refinanced at whatever the interest rate exists at the time. So even if deficit stock growing tomorrow, which they won’t, the government would still need smooth functioning financial markets just to keep refinancing what it al what already exists now. This is why the economy has become so sensitive to interest rates, liquidity and confidence. Higher interest rates increase the cost of refinancing, right? We’ve mentioned that already. And that pushes deficits higher and forces even more borrowing. So I mentioned liquidity. What is that? Well, liquidity is about how easily money moves through the system. When liquidity is good, bonds are easily absorbed. Banks lend markets function normally, and when liquidity dries up, refinancing becomes fragile. That stress. Stress in the market spreads quickly. And then finally, confidence I mentioned too. Why does confidence matter? Well, confidence matters because investors need to believe that the system is gonna hold together. When confidence weakens, guess what happens? Well, what would happen if you think about it with a loan, a higher risk loan? While investors demand higher yields like refinance, it becomes even more expensive. And problems compound fast. Now, this is why Pol policymakers are extremely uncomfortable with high borrowing costs, reduced lending, falling asset values, and deep recessions. Recessions, by the way, don’t make debt easier to manage. They make it harder by reducing tax revenue and worsening debt ratios. Now that brings me to a, something that I am feeling sort of back and forth with. Um. You know, a listener who sent me some commentary about, you know, the fear of going back to 1970s, eighties style interest rates. But the thing is that I just don’t think that comparison works, and here’s why. Okay, so in the 1970s, the US had far less debt. Interest rates could go very high without threatening the government’s ability to refinance itself. Now today, with debt much larger relative to the economy, very high rates don’t just fight inflation. They stress the entire financial structure, right? You can’t just say, oh, we’re gonna make super high rates because the cost of all that debt the government has is gonna be extraordinarily expensive. Now, that doesn’t mean that rates can’t rise. It means policymakers have far less tolerance for how high and how long rates can stay elevated. It’s a completely different system from the 1970s and eighties. So I think trying to put things into that context is probably not, um, not a, a good way to think about it. So why am I fo focusing on this right now? Uh, instead of a few years ago, because again, we stu we didn’t suddenly become a high debt economy this year. So what changed? Well timing a massive amount of debt that was issued at very low interest rates, as I mentioned before, is now maturing and being refinanced at much higher rates, and that shift is no longer theoretical. It’s happening in real time. Last year, much of that low uh, rate, debt was still in place. Interest costs hadn’t fully reset, but going into 2026, they have no, I, I keep talking about, you know, how much we’re paying an interest, right? Because again, that’s a big difference between now and the 1970s when you could have, you know, you didn’t have as much debt so you could pay more interest on it. Right now, the US is now spending roughly a trillion dollars a year just on interest. Her perspective, right? I mean, what’s a trillion dollars? Uh, what does that even mean for the normal person? Well, for Perce perspective, that’s the defense budget. $1 trillion. It’s more than Medicare, more than most major federal programs. And the thing is that money doesn’t do anything, right. It doesn’t create growth. It just services past borrowing. And this is the point where debt stops being background noise, kind of an annoyance that people just say, well, we’ll kick it to the next generation. It start starts actively shaping, uh, policy decisions because it’s, it’s a thing that you gotta pay for. You gotta keep paying for it. So the takeaway I want you to carry forward is simple. We now live in a system where policymakers don’t have the luxury of letting things break when debt is low. Governments can tolerate deep recessions like you saw in the seventies and eighties and long recoveries. When debt is high, they can’t because even small shocks can just really get outta control quickly. And that’s the framework I think, uh, that I’m using as we move into interest rates, inflation, and what all this means for markets going into 2026. So let’s talk about interest rates. You’ve heard me say that I think that interest rates are gonna come down. Um, they’re gonna continue to tick down a little bit. I don’t think a lot, but I do think there’ll probably be at least one more rate cut. I think, you know, you’re probably gonna have some, um, uh, some lowering in the 10 year and, and the bond market in general. Uh, but interest rates are not gonna go back to 2010, right? They just aren’t. And. The 2010s were not normal. There were a very specific period created by very specific conditions, right? Inflation was persistently low, uh, but just wouldn’t go up. Globalization, uh, push prices down. Capital was abundant. Debt levels, well, they were high, but they’re rising, but they hadn’t become what they are now. And because of that, central banks could hold rates near zero without much consequence. That environment, unfortunately, does not exist now. So today, debt is much higher. Inflation risk is real again, and investors expect to be compensated for lending money long term. So even when rates decline from current levels, they do not return, uh, they will not return to where people, uh, anchor them psychologically. If they’re thinking about the 2000 tens, they’re gonna settle higher. Within the 2000 tens baseline, you see policymakers are kind of stuck if rates, uh, say too high for too long. We mentioned this before. Refinancing government debt becomes increasingly expensive. Interest costs rise, deficits, widen, and then you get that financial stress that’s spreads through the credit markets. But if rates are pushed too low for too long, borrowing accelerates. And that’s. When inflation resurfaces and confidence in the currency weakens, so then that’s the tug of war. So policymakers, uh, you know, they, they can no longer choose between high rates and low rates. They’re gonna be choosing how to manage, uh, the trade-offs, right? So what’s gonna happen is that you’re gonna see that rates are gonna move within a range. Uh, they come down when something breaks, they move back up when inflation pressures recurrent. Um, that’s why volatility matters more than the exact. Level of rates going forward, in my opinion. So we’re, we’re not returning to free money. We are also not headed to a permanent 1970 style high rate world. What we are doing is entering a time where borrowing costs matter. Again, refinancing is not guaranteed, and rate swings are part of the system, and that naturally leads to the question of inflation. So once you understand why rates. You know, don’t go back to the 2010. The next question becomes, uh, well, if policymakers can’t keep rates high for long and they can’t push them back to zero either, then what are they actually trying to ac accomplish? Well, the answer is that, that the goal is kind of shifted for decades. Economic policy was focused on disinflation, um, you know, pushing inflation lower and lower. Over time, uh, and inflation was actually treated as a failure, and that made sense. In a world with lower debt in a high debt world, that logic sort of breaks down, right? Deflation, which is actually falling prices, increases the real value of debt. Think about that for a moment. Like just in terms of. You know, you have a mortgage and you know, sometime, you know, your parents might have like a 30 year mortgage or something like that, that they’ve had for 25 years. They’ve been paying it off and it’s great. But the bigger thing to notice is the amount of money that they borrowed is actually very small in real world dollars because it’s, you know, 25 years later. See, inflation is bad when it’s, you know, you’re dealing with it, but inflation is. Good at one other thing, which is it’s good at eroding debt. It will make, uh, the amount of the value of the, you know, the actual money that you owe on debt lower over time. So that’s why you can’t have deflation, right? You can’t have deflation because that increases the real value of the debt. It discourages spending, slows growth and makes refinancing harder. So in today’s system, deflation is way, way more dangerous than moderate inflation. And so because of that inflation really isn’t something that I think is quite as important that has to be eliminated at all costs. That, you know, you have to be right at 2%, which is, you know, kind of what the, the fed his, his target is, right? Instead, what you gotta do is you gotta manage it. Of course, that doesn’t mean you want runaway inflation. What they wanna do is have enough inflation to keep nominal growth positive and prevent debt burdens from become heavier again. Why? What do I mean by that? You gotta have enough inflation to erode the debt that we have, right? So this is why that 2% inflation target should be understood. As, you know, kind of aspirational, but not absolute because having a little higher inflation, yeah, it hurts people. It’s, uh, it hurts people on a day-to-day basis, but actually helps with that. So even at, uh, you know, inflation sell a bit higher than, than, than the, you know, 2% fed target say it’s 4%, it’s actually eroding, uh, you know, it is eroding purchasing power, but it’s also eroding debt. It’s, it’s stabilizing debt dynamics. From the system’s perspective, of course that’s helpful. But for us, we’re paying for things on a day-to-day basis to see the cost of eggs and all that. It’s, it’s frustrating, right? And that tension between system stability and personal cost, it’s one of the defining features of the economy heading into 2026. So when you see policymakers tolerate inflation, uh, longer. Then you think they should or step in quickly When markets kind of wobble, it’s not confusion or incompetence, it’s actually constraint because debt limits the available choices. Rates are managed within a range. Inflation is guided and not eliminated. Now put those together and you get the environment we’re moving into, which is an economy where markets can look. Resilient, even while people feel stretched, right? I mean, that’s kinda what we’re feeling. Everybody’s like, oh, these markets are doing fantastic, you know? But then, you know, you look at consumer confidence, it goes down. It’s been going down every month. This is an environment where asset prices recover faster than wages, and we’re understanding how policy reacts becomes a real advantage. So that’s kind of my macro setup for 2026. Um, you know, with that framework, we can start looking into the first prediction I’ll make. And again, these are not, you know, crazy predictions. Uh, they are just generalized things that I think you’re gonna see. So, like the first one is that the markets will stop being reliable proxy for the economy. You could argue that’s already happened, right? Markets in the economy kind of stopped correlating. We saw it after the financial crisis, right? We saw it very clearly even during COVID. The decoupling itself is not new. What’s new is that that decoupling is no longer temporary. It’s become the baseline that’s become the new normal. Uh, for most of modern history people had a fairly reliable mental model, right? You probably do. If you grew up in the eighties and nineties, uh, as a kid or whatever, when the economy felt bad, layoffs, we growth falling in con incomes, markets usually reflected the pain. Right. Sometimes there was a gap. Sometimes markets recovered a little earlier, but eventually things kinda re converged. The economy healed. We just caught up in the markets and lived experience kinda lined up. Now that’s the model that most people still have in their heads, and that’s why so many people feel so confused right now. I mean, I feel confused by it. So what’s changed going into 2026? You know, it, it is, it’s structural Now. We’re no longer living in a system where policy intervenes only during emergencies. We are, uh, in a system where policy is always on, debt is permanently high, rates are actively managed, inflation is tolerated rather than eliminated. And as a result of that, markets aren’t really necessarily responding primarily to how. The economy feels to people they’re responding. Uh, you know, it’s responding to refinancing needs. Liquidity management. Uh, confidence preservation. That’s a very different signal. COVID is the clearest example of that ship, but it’s, it’s important to understand it correctly. So in 2020, the economy was literally shut down, right? Unemployment exploded. Uh, small businesses were collapsing, right? Like, this is COVID and yet markets bottom quickly. We saw that and then bam. All time highs, even though life kind of felt terrible for a lot of people. And that wasn’t because the economy was healthy, it was because policy overwhelmed fundamentals. And at the time that felt extraordinary. It felt very different. Like this doesn’t make any sense. What’s different now is that we’re still using the same playbook but with out in obvious crisis. So intervention is no longer reactive. It’s, you know, uh, it’s preventative. So what do I predict for 2026? Well, markets are gonna stop being a reliable proxy for economic health. Uh, you, you people can just stop talking about that. Like it, like it, it means anything anymore. Markets going to increasingly reflect how constrained policymakers are and how much liquidity is in the system, and how aggressively risk is being managed. They’re not gonna, the markets are not gonna tell you. About affordability, wage pressure, or whether life feels easier or harder for people. Right. Those are completely gonna, those are, it’s just a standard thing now that those are uncorrelated and the gap is not, uh, abnormal anymore. It’s. The operating environment. So what do you do with that information? Well, for an individual investor, this environment requires a real mindset shift, right? You can’t rely on your gut anymore. You can’t say, man, I feel like this economy doesn’t feel good. So the market’s gonna look at the, I mean, you, you, you know, a lot of people feel like the economy doesn’t feel good to them because of inflation, because of what happened with interest rates and all that stuff, right? But look it, you’ve got. Record breaking, uh, stock market numbers. You can’t rely on your gut anymore. Your gut is telling you the economy feels bad. For many people, that’s absolutely true. Costs are high. Again, things feel tight, and the instinct is to wait to sit in cash. To assume markets would reflect that pain, but that instinct used to work. And in this system it doesn’t because markets are no longer pricing in how the economy feels. They’re pricing policy response. Liquidity and constraints. So if you wait for the economy to feel good before you act, it’s gonna be way too late. So instead of asking, does the economy feel weak, you need to start asking different questions. You need to ask how constrained policymakers are, how quickly liquidity will return if markets wob on it, and where capital tends to flow first when policy steps sit. In other words. You gotta start really thinking about investing, right? Like you gotta, like right now. Now I’ve talked, I’ve beat this over many times before, but you know, you have, if you’re, if you’re saving money right now and you’re looking and you are wondering what to do, look for things that are on sale now. I spent real estate’s on sale right now. Right? Get your money into the markets one way or another. That’s what I would say. Whatever it is that you want to invest in. Don’t let your money just erode because this lack of correlation is, it’s a really, really important thing and it’s, it’s gonna continue to happen and you know what else is gonna happen Because of that, you’re gonna see an increasing widening up the wealth gap. People whose income is tied primarily to wages are, are gonna experience that inflation directly, right? Their money’s trapped in the real economy where costs rise faster than income. But investors on the other hand, have an opportunity to participate in the markets that are supported by this sort of unnatural infrastructure that I just mentioned, right? As asset prices are gonna continue going up. Now, I’m not here to judge whether that’s a good thing or a bad thing, I’m just telling you how it’s functions. So the investor class increasingly benefits from asset appreciation, right? Early access to liquidity. While lower income groups often can participate in that upside. Even as their cost of living rise, because they’re not in the markets, they’re not, they don’t own assets. So again, you have to stop, you know, using how the economy feels is your primary investing signal. If you wanna protect and grow your wealth in this environment, you need to understand how policy reacts, how you know liquidity moves, how assets behave when the system is under constraint. And in other words, uh, you know. Frankly, you just need to be part of the winning class, which is the investor class. Alright, so that’s kind of, uh, hopefully that made sense to you. Here’s another prediction for you, and this is probably more related to some of the things that we talk about usually, but I’ll say that multifamily and commercial real estate are going to finish their washout, and the window is gonna start to really close again. I’ve talked about this. Before, you’ve probably heard me say this, but let’s talk about multifamily and commercial real estate again, because you know, this audience doesn’t need just theory. You’ve already lived through the pain or the past two years you’ve seen deals blow up, capital calls go out, refinancings fail. So the real question going on in 2026 is not whether real estate breaks. It’s already, it already did. It already did. The real question is how much longer this phase lasts and what replaces it. My view is that 2025 into early 2026, um, represents the final phase of this unwind in the beginning of stabilization. I’m not predicting an immediate boom, not a return to 2021 by any means, but the end of obvious distress. So what’s happened already from 2022 to 2024? Multifamily and commercial real estate absorbed the fastest rate shock in modern history. Many of you lived through that. I lived through that. It’s painful. Debt costs doubled or tripled. Cap rates moved hundreds of basis points. You know, bridge debt structures broke, uh, refinancing assumptions collapsed. Now, a lot of the deals, I mean, I would say most of the deals, uh, uh, that, you know, kind of imploded, uh, shared the same DNA, you know, peaking price, uh, purchases, uh, during peak prices in 2021, early 2022. Uh, you know. Floating rate thin or negative cash flow based on, you know, the rates at the time. Maybe it was positive business plans that were really dependent on refi and rent growth. Um, those deals though, have largely already defaulted, recapitalize, or, you know, they’re being quietly handed back. And that matters because markets don’t keep breaking the same wave forever. If, if you’re seeing right now and if you’re in our investor club, you are. 30% discounts on a regular basis. Right? On a regular basis compared to the peak. Don’t assume that’s gonna last. That this is the key point I wanna make very clearly. If you’re looking at multifamily or commercial deals today that are trade trading at that 30% below where they were a couple years ago, you should not assume that window stays opening. Definitely because the level of discount there, uh, the level of discount exists because. Dried up liquidity, uh, because of that violent rate reset, uh, uncertainty. But here’s the thing, markets don’t stay frozen forever and as soon as pricing stabilizes, even at higher cap rates, which are going to be higher than they were, because you’re not gonna see interest rates down at zero, capital is gonna start to move again. And stabilization doesn’t require rates to go back to zero. It just requires some level of predictability. So here’s the sequence of what happens first, you know, the distress slows, uh, you see less and less defaults, and then slowly but surely cap rates stop expanding, right? That alone brings back buyers. Then as rates drift mo lower and volatility declines, lenders reenter selectively, debt becomes a billable again. It’s not cheap. It’s definitely usable and that brings more liquidity. When I say liquidity, in this context, I’m talking about just more deals getting done. And once liquidity returns, cap rates don’t stay wide forever. They compress, right? It’s competition. And again, when they compress, they’re not gonna go back to 2021 levels, but enough to meaningfully lift asset values from distressed pricing. This can happen faster than people expect, right? People underestimate the fact that there is an enormous amount of capital sitting on the sidelines right now in money market funds, short term treasuries, private capital, waiting for clarity. That capital isn’t, you know, permanent. The moment investors believe that rates of peak, that prices of stabilized downside risks is contained, that money starts to chase yield. When it does the transition from, nobody wants this, everyone wants exposure again, can happen surprisingly fast. In other words, I’m not saying I think this will happen in 26, but the shift from a market that is on sale, which I’ve described it as to a market that is starting to look a little frothy, can really be just a couple of years. And in that situation, I’d rather be a net seller, right? You wanna be accumulating. During this phase of for sale so that you can sell in froth. So what this means is that the market is, you know, uh, is not a market to wait for everything to feel perfect, because by the time it does, the obvious discounts are gonna be gone. And if you wait for perfect clarity, you’re gonna be competing, you competing with institutional capital, with large private funds and, and, and yield hungry money coming outta cash. The opportunity is not assuming distress lasts forever. It is. It’s in recognizing when the market is transitioning from forced selling, which is what is happening even now to price discovery. So ultimately, the prediction is this multifamily and commercial real estate, that that washout is completed in 2026 and the window created by distress really starts to close. Deep discounts don’t persist. Once market stabilized, which I think is what’s gonna happen, and then I think you’re gonna start to see a shift. You’re gonna start to see more deals, more liquidity, and that’s gonna return faster than people expect. In other words, this is gonna be the end of, you know, sort of this bargain basement, you know, panic pricing. And once real assets stabilize and liquidity returns, attention inevitably turns, uh, to the currency, those assets are priced in. Which brings us to the prediction number three. That dollar, okay, the dollar doesn’t collapse, but it does continue to erode. It slowly leak, right? Let’s talk about the dollar, ’cause you hear about this all the time, right? A nausea, you hear the, the weakening of the dollar. Um, this is one of those topics that where people tend to jump to extremes. You know, on one side you hear the dollar is about to collapse. On the other side you hear the dollar’s strong and everything’s fine. I think, um, the truth is somewhere in, in the middle. And my prediction for 2026 is simple. Um, again, the dollar doesn’t really explode. It doesn’t get replaced. It can just continues to erode slowly but surely. And that’s how reserve currencies actually behave when debt gets high. Right. So why no collapse, right? Because you got like people out there, uh, worried about the collapse of the US dollar. The US dollar is gonna remain dominant, not because it’s perfect, but because there’s no real alternative at scale. There just isn’t. Okay? There’s no other currency with markets as deep, as liquid and as widely used for trade debt and collateral. So, you know, reserve currencies, you know, you hear about the, the worry about us being the reserve currency. Well, reserve currencies don’t disappear overnight. They erode gradually, but they don’t disappear overnight. And that erosion shows up not as a crash, but again as persistent inflation, right? It’s rising, you know, real asset prices, which is again, where you wanna be, and a slow loss of purchasing power over time. Again, that brings us back to the whole issue of debt we were talking about, right? So in a highly indebted system, policymakers are not incentivized to aggressively defend the currency at all costs, right? So very high interest rates might strengthen the dollar in the short term, but they also make debt harder to service and financial stress worse, right? So instead of choosing strength or collapse. Um, you know, policy drifts towards tolerance, right? Inflation is allowed to run a little hotter than people expect, because again, it’s gonna erode that debt. The currency weakens slowly, therefore, rather than violently, right? Again, currency weakening. It’s that, it, it’s so entwined with this idea of inflation because debt becomes easier to manage in real terms. And one of the things I hear, and I’ve been sort of in these conversations back and forth with, um. At least one of you out there, uh, in, in emails is that, you know, I hear, uh, that, that, that there’s a, a serious problem for interest rates because of, you know, China, uh, selling US treasuries. And because of that you might get the collapse of the dollar. In fact, in this conversation, it was not only about China, but also Europe. Which, you know, I hadn’t actually heard anybody mention that before, but I guess that’s out there in the ecosystem and some of the newsletters. Now, all that sounds scary, but it really misunderstands how the system actually works. What exactly happens when someone or a country sells treasuries? Well, they don’t dis, they, they don’t just destroy the dollars. What they’re doing is they just swap $1 asset for another, right? The dollars don’t even lead the system. They change hands. So this idea of China selling off all it t trade, well, China’s been, uh, reducing its treasury holdings for years and the dollar hasn’t collapsed. The market absorbed it because treasuries are the deepest, most liquid market in the world. And then this idea of Europe, of of Europe actually dumping treasuries because, you know, they’re not happy with Donald Trump and what he’s doing in Ukraine and all that, that would be an absolute nightmare for, for Europe. That would hurt their own economy. That’s the last thing that an indebted government wants. So foreign selling, yeah, sure it’s gonna move yields, but it, it’s not gonna implode the dollar. But the reality of the, uh, erosion of the dollar is real. I don’t think anybody questions that anymore, and I think that is another reason that you need to be buying. Real assets. You need to be buying equity. You need to be on the side of the investor class. Okay? That’s, that’s how you combat all of this. So the real takeaway here ultimately is that, you know, it isn’t, uh, to abandon the dollar, right? It isn’t. It’s, it’s just to stop pretending that holding cash is neutral. It’s not, it, most of your wall suits and assets that, that can’t adjust. You know, they can’t grow as, you know, as, as asset prices grow, then you’re making a bet on currency stability that literally no one believes is, is going to be the base standard anymore. Everybody knows, every economist, every country, every everywhere knows that these currencies are eroding. You don’t freak out about the dollar, but don’t, don’t, don’t be like heavily in dollars. Start getting into the markets. Alright, well, you know, I’m talking a lot about esoteric macro stuff, but let’s kind of get into some stuff that you might think is fun, more fun maybe. Okay. You, a lot of you are into Bitcoin. Well, I think that, you know, Bitcoin is gonna continue to mature. And the next look, leg up looks like, you know, because of more adoption, not because of hype, which isn’t maybe not as, as, as fast and violent, but it’s, it’s, it’s a lot more predictable. For those of you who are still unfortunately listening to the likes of Peter Schiff about Bitcoin, you gotta stop doing that because Bitcoin is not tulips. Right? A lot of people still talk about it like it’s a fad that could just vanish. We’re long past that phase. Bitcoin is, is, is a $2 trillion asset and in the history of the world, there has never been a $2 trillion asset that went to zero. Is it volatile? Yeah, it is. It can absolutely continue to be wildly volatile, but you’re not going to zero. And my prediction is not overly crazy. It’s just that. Bitcoin is going to continue to increase in price, but it’s not become, not because of speculative, uh, you know, because it’s a speculative trade anymore, right? I think it’s because of adoption. Uh, adoption is going to become the real meaningful driver of market capitalization. So what do I mean by that? It just means more people are seeing it as a real asset, and it has to become, when it becomes a real asset class, everyone has to have some of it. Every major institution has to have some of it because it’s an its own asset class. And when they do that, it just drives up the entire market capitalization of that asset. And when you have an asset that has a finite amount, which in the case of Bitcoin, there will never be more than 21 million Bitcoin. You have constant adoption, constant slow, but persistent growth in market capitalization, the asset has to become more expensive. Now, what do I mean by this adoption? Well, places that you would never think in a million years, a few years ago, that that would be buying Bitcoin or you know, ETFs, B to Bitcoin ETFs are doing. So Harvard. Harvard is a great example. Because it’s not, it’s not crypto influencer, right? It’s actually one of the most conservative, brand sensitive pools of capital in the world. But their endowment management, uh, disclosed roughly 443, uh, million dollars in its position in BlackRock, uh, BlackRock, iShares Bitcoin, Bitcoin Trust, which is ibi for those of you who, who, uh, don’t know, that’s how you can just go to your New York Stock Exchange and, and buy. Bitcoin ETFs with ibit. Now, whether you love this whole Bitcoin idea or hate it or whatever, that’s a signal that is increasingly treated like a portfolio asset. It’s not a fringe experiment, and it’s not only universities. Uh, institutional comfort is it’s just there, right? Um, custody, uh, custody regulated vehicles, positioning, size, risk controls, those kinds of things are all become part of the Bitcoin uh, environment. Many countries are already holding meaningful amounts of Bitcoin. Uh, even the US has, there’s a, there is a formalized Bitcoin reserve. Now we aren’t actively buying it, but here’s an interesting thing with Bitcoin, you can, when it is, uh, the way that the US is accumulating Bitcoin is through seizures. Alright? Bad guy gets caught. His boats, his house and his Bitcoin get, uh, confiscated. So the US will sell the house, they will sell the gold, they will sell the boats, but they will keep the Bitcoin. What does that tell you? You know? And, and there’s a lot of nations that are actually openly holding and, and buying Bitcoin. I mentioned the US China. This always seems to be, uh, you know, anti Bitcoin. Well, they actually own quite a bit the UK, Ukraine, Bhutan, El Salvador. Bottom line is there’s a big change in narrative, right? That this is a real asset. So this is something that, you know, even if it’s 1% of a major, uh, institution’s assets or less than that, or whatever, it’s part of it. And that adoption alone can move prices from, from here. And that’s what I think a lot of people miss because they’re like, well, you already had a big move and you know, instead a hundred, it’s 80 or 90 or a hundred, whatever. It’s, it’s not going much better, bigger than that. Well, Bitcoin is, is actually really small relative to global pools of capital. So at this stage, adoption alone. Not even the crazy mania of the past can make a non-trivial increase in market capitalization and therefore a mark, you know, a non-trivial increase in the actual price of Bitcoin. All it’s gonna take, and you’re gonna see this, you’re gonna see more endowments, you’re gonna see more sovereign wealth pool, pensions, mod model portfolios, all they guys daisy side, when you know, even with a small allocation. It doesn’t take too much to overwhelm the available float because Bitcoin is scarce and a lot of it’s held tightly. So as far as Bitcoin goes, what do I think is gonna happen? I believe all time highs are gonna get challenged. They’re gonna get broken again in 2026, not because again, everyone’s suddenly becoming a crypto maximas, but because adoptions could just gonna continue to grow. The wild card, I should say, is that the US moving from, we hold. What we seized in terms of Bitcoin to actively acquiring reserves could be enormous catalyst. And there is a lot of talk about this right now. Um, if the market ever believes that the US is a consistent buyer, even in a constrained budget neutral way, that changes the psychology fast. And in that scenario, I think 200,000 plus, uh, $200,000 plus Bitcoin by the end of 2026 becomes very plausible. Zooming out. I’ve said this before, you may think I’m crazy, but again, because of adoption, I think that Bitcoin is at a million dollars five to seven years from now. So what does that mean for you? Well, I mean, I think at the end of the day, if you don’t own some, you might want to, I’m not gonna give you financial advice, but again, just like Harvard’s doing it, you know, major, major endowments are saying, well. You know, maybe we’ll just buy, like, you know, 2% of that, 2% of our, our, uh, endowment will be made of something like that, right? Uh, you know, it’s just even a very small amount, but exposure to it makes a lot of sense. So I think that is something to highly consider if you are still on zero when it comes to Bitcoin. All right, now here’s my last, uh, prediction. You may have heard me talking about this before as well, that AI becomes a deflationary force that policy makers finally wake up to. And I think this is actually one of the most important and misunderstood economic developments, um, that is currently already out there. But I think it’s, it’s gonna be really recognized. By the end of 2026. Okay. Artificial intelligence is gonna stop being just a tech story, and it’s gonna become a macroeconomic story. I think that by the end of 2026, artificial intelligence is clearly, uh, you know, it’s clearly, um, going to be boosting corporate earnings while beginning to materially reshape the labor force. Um, and what’s gonna happen is that central banks and policymakers are gonna start treating it. Is a genuinely deflationary force over the next several years, and they’re gonna try to have to figure out what to do about it. And again, going back to our earlier conversation, because deflation is really a real problem for a country with an enormous amount of debt. So let’s get a little bit into the whole deflationary uh, conversation. So artificial intelligence at its core is a productivity machine, right? It allows companies to produce more. Without, with fewer inputs, fewer hours, fewer people, fewer stakes and productivity always shows up in profits before it shows up in everyday life. Right now, lower cost per transaction, faster execution, fewer people doing the same amount of work, widening margins without price increases. That’s the tell. That’s when profits rise without raising prices, something deflationary is happening underneath the surface. The biggest impact there is the labor market, right? It’s gonna be impossible to ignore. And this is where the conversation really shifts because artificial intelligence doesn’t need to eliminate jobs outright to matter. It only needs to reduce the number of people required to do it, right? So you’re thinking the labor markets, you’re gonna see a lot of this. You’re gonna see more slowing in hiring. Um, even while productivity expectations rise, and I think by late 2026, the public conversation is gonna change from will artificial intelligence affects jobs someday to why aren’t companies hiring the way they used to? And of course, that’s when people are gonna start paying attention and they’re gonna notice it’s deflationary because it’s going to be because artificial intelligence is gonna push down the cost. Of services, administration, customer support, research, and eventually decision making itself. That’s why it’s, it’s deflationary, it’s structural, right? Just think of all those things you can do for so much cheaper. That is what deflation is, right? And again, we mentioned before deflation is not something central banks are comfortable with because of debt and because debt heavy systems rely on nominal growth. Deflation makes debt heavier in real terms as opposed to what we said before, which is that inflation actually erodes debt. And that is a, a very, very challenging problem. And by 2026, I think you’re gonna hear a lot about this, you know, policy problem that we have. Which is innovation versus, you know, deflation. You make a lot of money, but are still worried about retirement. Maybe you didn’t start earning until your thirties. Now you’re trying to catch up. Meanwhile, you’ve got a mortgage, a private school to pay for, and you feel like you’re getting further and further behind. Now, good news, if you need to catch up on retirement, check out a program put out by some of the oldest and most prestigious life insurance companies in the world. It’s called Wealth Accelerator, and it can help you amplify your returns quickly, protect your money from creditors, and provide finance. Financial protection to your family if something happens to you. The concepts here are used by some of the wealthiest families in the world and there’s no reason why they can’t be used by you. Check it out for yourself by going to wealthformulabanking.com. Alright, well, so that’s basically it for my, uh, predictions. And I know I’ve kind of. Off on many different tangents, so hopefully it’s useful to you at least to start thinking and doing some of your own research. Bottom line is this, I mean, as, as a investor, what can you do? I think the big story here is understanding that, um, you need to be out of the dollar and into the investor class because that that widening gap between those who have. Who own things, who own assets, and those who do not is gonna continue to widen. And so, you know, my best, uh, won’t call it advice, but my own belief is that it is a, it is a very good time to look around and look for assets that are underpriced because I think everything is going to expand and it’s gonna ex expand. Uh, and you don’t wanna be caught, you know, on the, uh, dollar side of that equation. So. That’s it for me this week on Wealth Formula Podcast. Happy New Year. I’ll see you next week. If you wanna learn more, you can now get free access to our in-depth personal finance course featuring industry leaders like Tom Wheel Wright and Ken McElroy. Visit wealthformularoadmap.com.

In hour two, still in awe of Crowder's Google Chrome journey. You'll never believe how much the Ticket Wizard has been spending on Newspaper deliveries every year. Lee Sterling shares his pick for the Miami - Ole Miss matchup.

Why is dance so expensive?! Competition season bills are hitting their high as the season starts, but we can't always pinpoint why it's so costly! In this episode we discuss our own experiences paying for competition dance, how studios bill,  what competitions charge and why. Our good friend Chris Suchan from Plantinim Dance also joins in on the conversation to share his professional voice on things competitions and conventions need to pay for that contribute to our costs. You won't want to miss this! CHRIS SUCHAN LINKSPlatinum National Dance CompetitionThe Great Dance Debate PodcastChris Suchan InstagramEPISODE SPONSORSDream Duffel, the original rolling duffel with a built in garment rack! Choose from multiple sizes, colors, patterns, & styles!www.dreamduffel.comApolla Performance Compression Socks, Made by dancers for dancers! Increase stability and support, while reducing pain and fatigue. www.apollaperformance.comRATE & REVIEWRate & Review Apple Podcast Rate on Spotify SOCIALS Instagram: https://www.instagram.com/twodancemomspodcast/

Chinese Firm To Cut Silver Use In Solar Cells As Costs Surge As the price of silver continues to rise, solar panel manufacturers continue to move forward their efforts to reduce the amount of silver that's needed, with some manufacturers indicating that they are even finding substitutes. It's an important development you'll want to be aware of, and Vince Lanci goes through what just happened in this morning's show. So to find out more click to watch the video now! - To get access to Vince's research in 'Goldfix Premium' go to: https://vblgoldfix.substack.com/ - Get access to Arcadia's Daily Gold and Silver updates here: https://goldandsilverdaily.substack.com/ - Join our free email list to be notified when a new video comes out: click here: https://arcadiaeconomics.com/email-signup/ - Follow Arcadia Economics on twitter at: https://x.com/ArcadiaEconomic - To get your copy of 'The Big Silver Short' (paperback or audio) go to: https://arcadiaeconomics.com/thebigsilvershort/ - #silver #silverprice #gold And remember to get outside and have some fun every once in a while!:) (URL0VD)Subscribe to Arcadia Economics on Soundwise

Our 230th episode with a summary and discussion of last week's big AI news!Recorded on 01/02/2026Hosted by Andrey Kurenkov and Jeremie HarrisFeel free to email us your questions and feedback at contact@lastweekinai.com and/or hello@gladstone.aiRead out our text newsletter and comment on the podcast at https://lastweekin.ai/In this episode:Nvidia's acquisition of AI chip startup Groq for $20 billion highlights a strategic move for enhanced inference technology in GPUs.New York's RAISE Act legislation aims to regulate AI safety, marking the second major AI safety bill in the US.The launch of GLM 4.7 by Zhipu AI marks a significant advancement in open-source AI models for coding.Evaluation of long-horizon AI agents raises concerns about the rising costs and efficiency of AI in performing extended tasks.Timestamps:(00:00:10) Intro / Banter(00:01:58) 2025 RetrospectiveTools & Apps(00:24:39) OpenAI bets big on audio as Silicon Valley declares war on screens | TechCrunchApplications & Business(00:26:39) Nvidia buying AI chip startup Groq for about $20 billion, biggest deal(00:34:28) Exclusive | Meta Buys AI Startup Manus, Adding Millions of Paying Users - WSJ(00:38:05) Cursor continues acquisition spree with Graphite deal | TechCrunch(00:39:15) Micron Hikes CapEx to $20B with 2026 HBM Supply Fully Booked; HBM4 Ramps 2Q26(00:42:06) Chinese fabs are reportedly upgrading older ASML DUV lithography chipmaking machines — secondary channels and independent engineers used to soup up Twinscan NXT seriesProjects & Open Source(00:47:52) Z.AI launches GLM-4.7, new SOTA open-source model for coding(00:50:11) Evaluating AI's ability to perform scientific research tasksResearch & Advancements(00:54:32) Large Causal Models from Large Language Models(00:57:33) Universally Converging Representations of Matter Across Scientific Foundation Models(01:02:11) META-RL INDUCES EXPLORATION IN LANGUAGE AGENTS(01:07:16) Are the Costs of AI Agents Also Rising Exponentially?(01:11:17) METR eval for Opus 4.5(01:16:19) How to game the METR plotPolicy & Safety(01:17:24) New York governor Kathy Hochul signs RAISE Act to regulate AI safety | TechCrunch(01:20:40) Activation Oracles: Training and Evaluating LLMs as General-Purpose Activation Explainers(01:26:46) Monitoring Monitorability(01:32:07) Sam Altman is hiring someone to worry about the dangers of AI | The Verge(01:33:38) X users asking Grok to put this girl in bikini, Grok is happy obliging - India TodaySee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Mark Cuban approaches healthcare the same way he approaches every industry he enters: by assuming something essential is missing and then asking who benefits from keeping it that way. In American medicine, he believes that missing ingredient is transparency. Not better messaging, not smarter incentives, but simple visibility into how prices are set, who gets paid and who gets taken advantage of. Cuban is a lifelong healthcare outsider. He is a billionaire entrepreneur, NBA championship team owner and longtime Shark Tank investor. That's what makes him the perfect guest for Season 11 of Fixing Healthcare with cohosts Dr. Robert Pearl and Jeremy Corr. This season's guests have massive online audiences, but their value isn't just reach. It's their ability to listen closely to what millions of patients are experiencing, then translate those insights back into the broader medical conversation. Few guests embody that better than Cuban. He has quickly become one of the system's most incisive critics by paying attention to what patients, employers and clinicians repeatedly say is broken. That mindset led to the creation of Cost Plus Drugs, a pharmacy built on an idea that sounds radical only because healthcare has drifted so far from it. Show patients the actual cost of a medication, add a flat 15% markup and eliminate the opaque middlemen who thrive in the dark. In this conversation, Cuban explains how a cold email from a physician opened his eyes to how hidden pharmaceutical pricing had become and why opacity itself became the opportunity. HIGHLIGHTS FROM THE INTERVIEW Why drug prices are detached from reality. Cuban breaks down how widely used medications, including GLP-1 weight-loss drugs, can cost hundreds or thousands of dollars per month despite far lower manufacturing costs. The driver, he argues, is not innovation or scarcity, but a system dominated by pharmacy benefit managers whose rebate structures reward insurers and intermediaries while excluding patients. How patients bear the greatest financial harm. With concrete examples, Cuban explains how people in deductible phases, especially those on ACA plans, often pay full retail prices while rebates flow elsewhere. Costs are spread across millions of plan holders, but the financial pain lands on the people who actually need care. Why healthcare's complexity is intentional. From fax machines to prior authorization delays, Cuban argues that administrative friction is not accidental. It protects incumbents, drains clinician time and forces providers into the role of “subprime lenders,” all while patients struggle to navigate a system designed to obscure accountability. What he tells CEOs behind closed doors. Cuban outlines the first questions he asks corporate leaders about their pharmacy benefits, why most are not receiving the rebates they believe they are and how audits are often structured to reveal as little as possible. Transparency, he says, is the first step toward leverage. A blueprint beyond pharmaceuticals. The discussion extends into hospitals, insurance design and employer-based coverage, including Cuban's work on cost-plus wellness contracts that publish negotiated rates so others can replicate them. His goal is not dominance. It is forcing the system to respond by making its incentives visible. Throughout the episode, Cuban's message is blunt and consistent. Healthcare does not need more jargon, better marketing or marginal tweaks. It needs sunlight. Once pricing, incentives and risk are exposed, many of the system's most entrenched practices become much harder to justify. * * * Fixing Healthcare is a co-production of Dr. Robert Pearl and Jeremy Corr. Subscribe to the show via Apple, Spotify, Stitcher or wherever you find podcasts. Join the conversation or suggest a guest by following the show on Twitter and LinkedIn. The post FHC #201: Mark Cuban’s blunt diagnosis of what’s broken in healthcare appeared first on Fixing Healthcare.

Draft2Digital has confirmed a print cost increase starting February 1, 2026, following similar changes across the print industry. IngramSpark confirms free revisions are coming, while platform risk, Amazon KDP, audio growth, and new author opportunities round out the first Self-Publishing News of the year. Here is what authors need to know. Author Nation After Party (digital replay) - https://AuthorNation.live/AfterParty  Authors Guild Raises Concerns About Kindle's New "Ask This Book" AI Feature - https://authorsguild.org/news/statement-on-amazon-kindle-ask-this-book-ai-feature/ Draft2Digital (D2D) - https://DaleLinks.com/D2D (referral link) D2D Print Price Calculator - https://draft2digital.com/podcalc  IngramSpark - https://IngramSpark.com  - use FIXIT to waive revision fees through January 2026 - https://www.ingramspark.com/free-revisions-fixit  IngramSpark: A Letter from the Director - https://www.ingramspark.com/blog/a-letter-from-the-director-1  PublishDrive 2025: The Year We Turned AI Promises Into Publishing Reality - https://publishdrive.com/publishdrive-2025-the-year-we-turned-ai-promises-into-publishing-reality.html  PublishDrive - https://DaleLinks.com/PublishDrive (affiliate link) - 25% off all annual plans until January 7, 2026 GetCovers: Is Amazon KDP Worth It In 2026? - https://getcovers.com/blog/is-amazon-kdp-worth-it-in-2026 Spoken: "Your Story" Competition - https://www.spoken.press/yourstory Booklinker: The Strategic Author - https://booklinker.mykajabi.com/Strategic-Author Booklinker: From Book Cover to Brand Story: Building an Author Identity That Sells - https://booklinker.mykajabi.com/Build-author-identity 2025 Digital Book Today Literary Awards - https://digitalbooktoday.com/?s=Dale YouTube for Authors - https://DaleLinks.com/YouTubeBook Subscribe to my email newsletter - https://DaleLinks.com/SignUp Join Channel Memberships - https://DaleLinks.com/Memberships Join Me on Discord - https://DaleLinks.com/Discord Check out my main YouTube channel - https://www.youtube.com/@dalelroberts My Books - https://DaleLinks.com/MyBooks Wanna tip me? Visit https://dalelroberts.gumroad.com/coffee.  Where noted, some outbound links financially benefit the channel through affiliate programs. I only endorse programs, products, or services I use and can stand confidently behind. These links do not affect your purchase price and greatly helps to building and growing this channel. Thanks in advance for understanding! - Dale L. Roberts

Send us an inquiry through a text message here!Welcome to another episode of The Veterinary Roundtable! In this episode, Dr. King is joined by her husband, Richie, to dissect a recent episode of The Tucker Carlson Joe where co-founder of Dutch, Joe Spector, made a myriad of false claims surrounding veterinary professionals and the veterinary industry.Do you have a question, story, or inquiry for The Veterinary Roundtable? Send us a text from the link above, ask us on any social media platform, or email theveterinaryroundtable@gmail.com!Episodes of The Veterinary Roundtable are on all podcast services along with video form on YouTube!Timestamps00:00 Intro02:32 The First Red Flag05:30 Ethics in Capitalism06:12 Insurance Coverage for Pets08:23 Effects of Private Equity on Pet Care11:07 Hate Spewed for the Vet Industry13:42 What Private Equity Does15:32 Why Mom and Pop Clinics are Cheaper18:29 Providing Value in Vet Med19:20 Profitability Isn't Evil23:26 BLS Inflation Model Flaws26:53 Costs in Vet Med28:41 Telehealth Limitations32:00 The Main Goal35:10 Logic Holes36:49 AVMA False Scarcity38:44 Final Thoughts45:49 Outro

Never assume a hospital bill is correct. What's the first thing to ask for? Clark discusses how to handle these bills, and a new way to help get a hospital bill reduced. And speaking of reduced bills, how about a lower heating bill? Clark shares some new innovations to help you Spend Less on home energy.  Lower Hospital Bills: Segment 1 Ask Clark: Segment 2 Lower Energy Bills: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Patient uses AI to reduce hospital bill by 83% - HumbleDollar AI is helping patients fight insurance company denials Can a Patient Advocate Help With Your Medical Bills? Are Extended Warranties Ever Worth It? This paint-like coating lets buildings collect water from the air I tried a sleek new window heat pump that can be installed in less than an hour 10 Ways To Lower Your Heating Bill What Is Service Line Insurance and Do I Need It? Scam Alert: How To Avoid Home Title Theft Home Title Lock: Is It the Same As Home Title Insurance? Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Santana, Paul Simon & more are among the musicians announced for the 2025 Grammy lifetime achievement awards, Ex-KISS guitarist Vinnie Vincent is in hot water with his fans after lashing out at fans who questioned his $225 price tag on his new 8-minute single, saying “this one song is worth more than most albums, consider yourself lucky” Janes Addiction & Perry Ferrell finally reach an agreement over the lawsuits, accusations and proposed settlements that have torn the band apart this past year, and an impressive milestone over the Christmas holiday made Pink Floyd the artist with the longest span between their first and latest No. 1 albums, an interval that stretched over 50 years. PLUS ‘This Week in Rock & Roll History Trivia', Rock Birthdays, ‘The Best & Worst Rock Album Artwork of the Week' & much more!All of our links are up at www.rocknewsweekly.com every Monday, where you canCheck it out on 8 different platforms (including Amazon Audible & Apple/Google Podcasts)Watch us LIVE, chat with us & more…Every Sunday around 2pm PST @ https://www.twitch.tv/rocknewsweeklyWatch all of our videos, interviews & subscribe at Youtube.com/@rocknewsweeklyFollow us online:Instagram.com/rocknewsweeklyFacebook.com/rocknewsweeklyTwitter.com/rocknewsweeklyTikTok.com/@rocknewsweekly#GrammyAwards #WishYouWereHere50 #VinnieVincent #JanesAddiction#Rock #News #RockNews #RockNewsWeekly #RockNewsWeeklyPodcast #Podcast #Podcasts #Metal #HeavyMetal #Alt #Alternative #ClassicRock #70s #80s #90s #Indie #Trivia #RockTrivia #RockBirthdays #NewMusic #NewMusicReleases

Send us a textLaura breaks down why most designers do not have a pricing problem, they have a scope and structure problem. She walks through practical strategies to increase profitability at your current rates, including tightening and clarifying your scope, reclaiming billable hours you are already working, streamlining your process for efficiency, and shifting from selling hours to selling outcomes and expertise. She also walks you through a powerful breakdown of what your hourly rate actually has to cover and why 200 dollars an hour is not what you think it is once overhead, taxes, and business costs are accounted for.You will leave this episode with a clearer understanding of how to protect your fees, honour your time, and run your design business like a true CEO, without feeling guilty for charging appropriately or afraid of client pushback.In this episode, you will learn:Why “pricing correctly” is not always about raising your ratesHow loose scope and fuzzy boundaries quietly erode your profitSimple ways to clarify what is included, what is not, and when additional fees applyHow to reclaim billable hours you are already working but not charging forProcess shifts that make your existing pricing more profitableHow to position your expertise and the transformation you provide, not just your labourWhat your hourly rate really has to cover and why your take-home is a fraction of that numberThe most common mindset blocks designers face around pricing and how to reframe themA free way to support the show is by leaving a five star rating and review on Apple Podcasts. It helps more designers discover The Business of Beautiful Spaces and step into their role as confident, profitable CEOs.In just one focused hour, we'll dive into whatever you need most—pricing strategies, client management, attracting high-end clients or building repeat business. You'll get clarity, strategy, and expert advice based on my 27+ years of running a thriving, seven-figure design firm.This is your chance to get real answers to the questions you've been dying to ask—from someone who's actually been there.Book your session as you need it—no strings attached.Be sure to follow along on Instagram @thebusinessofbeautifulspaces + @thorntondesign to stay up to date on what we're talking about next week. If you love our podcast, please, please, please leave us a review. If you have any questions or topic ideas OR you wish to be a guest email us thebusinessofbeautifulspaces@gmail.com or find us on instagram @thebusinessofbeautifulspacesLaura Thornton is the principle designer of Thornton Design Inc, located in Kleinburg, ON. Since founding the company in 1999, Laura has been committed to creating a new kind of interior design experience for her clients. Thornton Design is an experienced team of creative talents, focused on curating beautiful residential and commercial spaces in the Toronto, Ontario area and beyond. Now sharing all the years of experience with other interior designers to create a world of collaboration and less competition. The Business of Beautiful Spaces I @thebusinessofbeautifulspacesThornton Design I @thorntondesign

One in four women in the United States has a family member in prison — and those carrying the resulting financial and emotional burden are disproportionately women of color. Mary Estrada is one of them. She’s been taking care of her husband, Robert, for 40 years, as he’s been in and out of prison throughout his adult life. Most Sundays, Mary wakes up at 3 a.m. and drives 135 miles each way from Pomona, California, to San Diego to meet her incarcerated husband. In this episode, we accompany Mary on one of her Sunday visits, and we learn about the true costs of supporting a loved one in prison. This story first aired in 2023. Latino USA is the longest-running news and culture radio program in the U.S., centering Latino stories and hosted by Pulitzer Prize-winning journalist Maria Hinojosa. Follow the show to get every episode. Want to support our independent journalism? Join Futuro+ for exclusive episodes, sneak peeks and behind-the-scenes chisme on Latino USA and all our podcasts. Follow us on TikTok and YouTube. Subscribe to our newsletter. See omnystudio.com/listener for privacy information.

Welcome to 2026 and a brand new season of the Pet Boss Podcast! After four solid years and 216 episodes, Season 5 is here with a brand new intro and a clear mission: build what lasts. Because if you've been in the pet industry for any amount of time, you know last year felt HARD. There was a lot of retracting, pulling back, and retreating. Costs got higher. Hiring felt heavier. Customers became more cautious. And the energy it takes to run a pet business right now? Intense. But here's the thing: the pet industry is still growing. Pet spending in the US is now well over $140 billion annually. People aren't walking away from their pets - they're just becoming more selective about how, where, and with whom they spend. So we as business owners have to become more strategic, more intentional, and better at running the actual business side of things. She shares:

WWW.ADVENTUREFREAKSSS.COM Find your Ideal Destination Here: https://adventurefreaksss.com/ideal-destination-finder/ ================================= How to work with me: =================================

Social Security and Medicare aren't abstract programs — they keep millions of Americans alive. Critics warn Trump-backed policies could force seniors and disabled Americans to delay or skip lifesaving care. We break down what's changing, who's at risk, and why this could become a public health emergency. Executive Director of Social Security Works, Alex Lawson joins Thom to break it down. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Winning isn't everything. It's the only thing — or so we're told. But what if the price of winning is your relationships, your integrity, and your ability to live with yourself when the lights go out? In this episode, Kellan Fluckiger breaks the silence around the invisible bill behind success and challenges you to face the cost you've been avoiding.The hidden, invisible cost of winningWhy money is never the real priceThe relationship cost behind successMissed moments that can never be recoveredIntegrity, compromise, and ethical erosionWearing masks and image managementRedefining winning as relationships and wholenessForgiveness, awareness, and personal changeWhy you can't out-earn being untrueChoosing purpose, prosperity, and joy without self-betrayal

Kevin McPartlan, CEO of Fuels for Ireland, speaks to the News at One about the rising cost of petrol and diesel.

What if the fastest path to reliable clean electricity is not a new reactor design, but a new place to put one?   In this conversation, Paul Shapiro speaks with Elizabeth Muller, CEO of Deep Fission, about a plan to place a conventional pressurized water reactor roughly a mile underground to use geology, gravity, and groundwater for containment, pressure, and emergency cooling, potentially cutting total nuclear costs by as much as 80%. They unpack how a narrow borehole reactor could serve always-on demand from data centers and industrial users, what "proven tech combined in a new way" really means, how safety and groundwater concerns are handled through regulation and engineering practices, and the practical milestones from pilot to commercial operation so listeners can evaluate what it would take for underground nuclear to scale.   Things You Will Learn How putting a conventional reactor in a mile-deep borehole can replace major above-ground systems and cut nuclear cost drivers. How Deep Fission thinks about worst-case scenarios, groundwater protection, and regulatory proof points. What milestones convert LOIs into power purchase agreements, and what timelines look like for early deployment. Tools & Frameworks Covered Geology-as-infrastructure – Uses rock, gravity, and water to replace containment and pressurization systems. Mature-tech recombination – Combines proven reactors, drilling, and geothermal heat transfer to speed time to market. Pilot-to-commercial pathway – Separates "go critical" demonstration from commercial electricity generation milestones.   Episode Timestamps 04:55 – Why a mile underground could cut nuclear costs by about 80% 08:47 – Borehole size, reactor dimensions, and how the hardware fits 09:31 – Replacement strategy, sealing, and stacking long-term operations 19:45 – Groundwater and safety concerns, what regulators need to see 21:43 – Timeline to power, DOE pilot program, and moving toward commercialization   #BusinessForGood #CleanEnergy #NuclearEnergy #EnergyInnovation #ClimateSolutions

Enjoy a selection of Chris, Nikki, and Whip's favorite moments from 2025!Listen to The Morning Mix weekday mornings from 5:30am - 10:00am on 101.9fm The Mix in Chicago or with the free Mix App available in the Apple App Store and Google Play.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Arkansas whipped prisoners until 1968. Now we celebrate El Salvador's concentration camps. A reckoning with punishment's price. Read More: www.WhoWhatWhy.org

Thank you so much for listening to the Bob Harden Show, celebrating over 14 years broadcasting on the internet. On Thursday's show, we discuss public education legislative accomplishments in 2025 and we discuss educational legislative objectives for the '26 with the Florida Citizens Alliance, Co-Founder and CEO, Keith Flaugh. We visit with Cato Institute Health Policy Director Michael Cannon about today's expiration of most Obamacare subsidies and alternatives for Congress to address this health insurance crisis. We visit with Libertarian Opinion Journalist Patrick Carroll about surprising news on rent costs in the U.S. We have terrific guests scheduled for Friday's show including Senior Legal Fellow with the Pacific Legal Foundation William Yeatman, CEI Senior Economist Ryan Young, Landmark Legal Foundation Vice President Michael O'Neill, and Professor Larry Bell. Access this or past shows at your convenience on my web site, social media platforms or podcast platforms.

On https://rushtoreason.com, guest host Andy Peth fills in for John Rush and is joined by Tanner Coleman. Together, they deliver a fast-paced, unapologetic Hour 1. The pair set the tone for a no-nonsense conversation about culture, leadership, and values. As the year winds down, the discussion starts with humor and reflection. Then, they focus on California's political direction—new laws, wildfire mismanagement, and what critics call a growing gap between common sense and governance. The hour then sharpens its focus on border security, patriotism, and race. The hosts push back against claims from Los Angeles leadership about Hispanic Border Patrol agents. Are these men and women motivated by money, or by love of country and respect for the rule of law? Using real quotes, vivid analogies, and pointed questions, Andy and Tanner challenge listeners. They urge the audience to reconsider media narratives and the real-world consequences of mass illegal immigration. The conversation shifts again. This time, it moves to culture and morality. Humor explores a serious question: do we still teach why things are wrong, or just warn of consequences? That thread sets up the next topics: wealth, taxes, voting, and whether “fairness” quietly replaced personal responsibility. HOUR 2 Andy returns for a hard-hitting Hour 2 alongside Tanner, opening with an intense deep dive into the massive Minnesota fraud scandal tied to COVID-era programs. How did billions in taxpayer dollars allegedly vanish—and why were whistleblowers ignored or silenced? Andy and Tanner argue this wasn't just a bureaucratic failure, but a political one, repeatedly questioning the role of Tim Walz and asking how accountability might look if a different political movement were involved. Mid-hour, the tone shifts as Richard Rush joins the show, bringing weekly NFL picks, playoff implications, and late-season drama. Which teams are collapsing at the worst possible time—and which quarterbacks are carrying franchises on their backs? From draft positioning to coaching courage, the sports conversation mirrors the political theme: leadership matters, mindset matters, and excuses only go so far. Blending sharp analysis, dark humor, and rapid-fire debate, Hour 2 challenges listeners to question media narratives, political double standards, and even how success—or failure—is measured, whether in government or on the field. HOUR 3 Andy Peth and Tanner return for a politically charged Hour 3 with special guest Eli Bremer, taking a hard look at the future of Republican politics in Colorado and beyond. What happens when party unity breaks down—and who pays the price when candidates prioritize personal brand over winning elections? The hour opens with a candid discussion about internal GOP fractures, performative politics, and the fallout surrounding Marjorie Taylor Greene, raising tough questions about loyalty, teamwork, and governing with slim majorities. The conversation then shifts to Colorado, where Eli walks through the importance of vetting candidates in competitive districts like CD8 and CD3, highlighting incumbents Gabe Evans and Jeff Hurd—and warning how fringe challengers can jeopardize winnable seats. The hour crescendos with a blunt assessment of Joe Altman's newly announced gubernatorial run, exploring how extreme rhetoric and unchecked behavior can turn a difficult race into a political disaster. The message is clear: in a purple state, credibility, discipline, and strategy matter—or the consequences will be severe.

Nick and Andrew are back to go over a gut punching loss vs the Eagles after Josh Allen missed Khalil Shakir for a 2-pt conversion. The guys talk the concern level with Josh's injury and play in this game. Why this loss doesn't change much on the team's overall outlook but how hard this trip to the playoffs will be having to play on the road 3 times to get to a Super Bowl. Going over our favorite memories from "The Ralph" and what that stadium meant to us. The Sabres winning streak continues and we give Kevyn Adams his flowers despite his firing for some of the moves he made but why the Jarmo effect is a big reason for this culture change. Finally, the Bandits bounce back and a few old friends are coming to town from Vegas in their next matchup.Thank you for listening!

Thank you so much for listening to the Bob Harden Show, celebrating over 14 years broadcasting on the internet. On Thursday's show, we discuss public education legislative accomplishments in 2025 and we discuss educational legislative objectives for the '26 with the Florida Citizens Alliance, Co-Founder and CEO, Keith Flaugh. We visit with Cato Institute Health … The post Surprising Good News about Rental Costs appeared first on Bob Harden Show.

Understanding input costs and farm margins – In this Managing For Profit, learn more about maximizing a fertilizer strategy and finding savings without compromising yield. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this best of 2025 episode, Theresa Hush, Co-founder and CEO of Roji Health Intelligence, discusses The Value-Based Care Reckoning - Why Hospital Giants Are the Next Battleground in the War on Costs.

In this episode, Nic and Lexie break down the real costs of home renovation, discussing what different renovation budgets can achieve whether you've got £10k, £20k or £50k to play with. They explore the real-world costs behind kitchens, bathrooms, flooring, major layout changes and easier cosmetic upgrades, giving you a clear picture of what's truly possible at each price point. From clever ways to stretch a smaller budget to the transformative impact of a larger one, Nic and Lexie share expert insights, common pitfalls to avoid, and the upgrades that deliver the best value for your money. If you're planning a renovation and want a no-nonsense guide to what your budget really buys, this is the episode you need before you pick up a paintbrush or call a contractor. For an in-depth look into renovation costs, get specific advice from our website-link below.

Are you chasing every gold star, climbing every ladder, and nailing every "right" mark—only to find yourself missing out on real fulfillment and meaningful connection? The relentless pursuit of achievement can sometimes leave us feeling lonely, disconnected from ourselves, and trapped in relationships that don't truly nourish our hearts. When ambition runs amok, the cost may be far greater than just burnout or missed vacation days—it can lead to self-abandonment and relationships that feel more like a cage than a home. In this episode, you'll discover how overachievement and perfectionism can sabotage our capacity for genuine connection—and what it takes to turn things around. Through honest storytelling and practical insight, the conversation explores the hidden costs of self-abandonment and the steps toward reclaiming self-worth, authenticity, and aligned love. Whether you're feeling the grind of burnout or yearning for more realness in your relationships, you'll gain tools for slowing down, getting honest with yourself, and opening up to relationships that feel like home. Coach Keren Eldad is an Executive Coach, Speaker, podcast host and the Author of the new book: GILDED - Breaking Free from the Cage of Ambition, Perfectionism and the Relentless Pursuit of More.   Episode Highlights 06:18 The roots of self-abandonment: Overachievement and relationship choices. 09:12 Societal pressure and the pursuit of external validation in partner selection. 10:27 Personal story: From self-betrayal to reconstructing identity and worth. 16:07 Building healthy love: The learning curve toward self-connection in relationships. 20:39 Embracing uncertainty: Letting go of control and playing to win in relationships. 26:56 Yellow flags in relationships: Burnout, overfunctioning, and sexless marriages. 31:29 Radical honesty and initiating difficult conversations. 35:51 Centering yourself before addressing relationship issues. 39:54 Tools, coaching, and the path to authentic relationships.   Your Check List of Actions to Take Pause and self-reflect: Practice taking a mindful pause before reacting in relationships to better understand your true feelings and needs. Identify your patterns: Bring awareness to tendencies like overachieving or people-pleasing that may be impacting your connections. Prioritize self-worth: Work on recognizing and affirming your own worth, rather than relying on external validation or achievement. Start small conversations: When something feels off in your relationship, gently broach the subject with curiosity rather than jumping into confrontation. Read for growth: Incorporate reading transformational books by thought leaders to cultivate self-awareness. Seek support: Consider working with a coach or therapist to dig deeper into your personal growth and relationship patterns. Practice radical honesty: Begin being radically honest with yourself about what you want and how you feel, as self-abandonment only perpetuates dissatisfaction. Accept uncertainty: Learn to embrace the unknown in relationships, allowing space for vulnerability and authentic connection rather than controlling outcomes.   Mentioned Gilded: Breaking Free from the Cage of Ambition, Perfectionism, and the Relentless Pursuit of More (*Amazon Affiliate link) (book) Mating in Captivity: Unlocking Erotic Intelligence (*Amazon Affiliate link) (book) The Way of Integrity: Finding the Path to Your True Self *Amazon link (book) Dare to Lead (*Amazon link) (book) Marry Him: The Case for Settling for Mr. Good Enough (*Amazon link) (book) The Work of Byron Katie (website) Brene Brown (website) Eckhart Tolle (website) Ram Dass (website) Louise Hay (website) ERP 494: Designing Love That Lasts: 6 Principles for Lasting Connection — An Interview with Dr. Sara Nasserzadeh ERP 174: How to Experience More Love in Your Relationship with Byron Katie 12 Relationship Principles to Strengthen Your Love (free guide)   Connect with Keren Elded Websites: KerenEldad.com Facebook: facebook.com/LiveWithEnthusiasm?_rdc=1&_rdr# YouTube: youtube.com/channel/UCgGViwGVn_yrHkq3PQ9R_-Q Instagram: instagram.com/coachkeren/?hl=en LinkedIn: linkedin.com/in/keren-eldad Podcast: podcasts.apple.com/us/podcast/coached-with-coach-keren/id1467079024  

In this episode of The Open Bedroom Podcast, I share the story of how Scott and I decided to get married after four years together. I reflect on our initial hesitations, the practical reasons behind our choice—including financial planning and a prenup—and our intimate, DIY park ceremony officiated by a close friend. I discuss the meaning behind our vows, our open relationship, and the importance of creating a wedding that felt authentic to us. I also offer insights into our life together, our recent home remodel, and encourage you to embrace relationships on your own terms.Introduction & Wrestling with Marriage (00:00:03) Jen introduces the podcast and discusses her and Scott's initial hesitations and conversations about marriage.Financial Commitments & Decision to Marry (00:01:09) They consider buying a home and business together, leading to discussions about legal and financial security.Prenup & Ceremony Planning (00:03:37) Jen and Scott agree on a prenup and begin planning a small, private ceremony focused on themselves.Choosing the Location & Officiant (00:05:47) They select a park for the ceremony and ask their friend Steph, a minister, to officiate.Photographer & Ceremony Details (00:06:50) Jen arranges for Ashton, their photographer, to capture the ceremony and describes the intimate guest list.Wedding Attire & Weather (00:07:49) Jen shares her process of finding a dress, dealing with unexpected cold weather, and last-minute outfit changes.Comparing Past Weddings (00:10:39) Jen reflects on her previous two weddings, their costs, and how this third wedding is different.Ring Story & Design (00:12:29) She tells the story of her engagement ring, its history, and how she redesigned it for each marriage.Vows & Writing Process (00:17:11) Jen discusses writing personalized vows, the importance of privacy, and how their open relationship influenced their promises.Deciding Not to Invite Kids (00:20:23) She explains why they chose not to include their children in the ceremony for privacy and honesty in their vows.Handmade Bouquet & Wedding Accoutrements (00:22:35) Jen describes making her own bouquet and boutonniere, and the importance of small details for photos.DIY Wedding & Costs (00:26:18) She encourages listeners to have simple, affordable weddings and details their total expenses.Scott's Wedding Outfit (00:27:14) Jen talks about shopping for Scott's non-traditional wedding attire and how it fit their style.Building a Life Together & New Home (00:28:05) Jen shares about buying a house, remodeling, and the practical aspects of merging lives and finances.Open Relationship & Home Design (00:30:05) They design their home, including a shower for three, to fit their open relationship lifestyle.Reflections on Relationship Changes (00:32:15) Jen recaps the year's changes in their relationship dynamics, including breakups and new dating approaches.Follow The Open Bedroom:https://www.instagram.com/theopenbedroompodcast/

Comparing Federal Employees Health Benefits (FEHB) coverage with Medicare Part B + Supplement helps retirees balance premiums, deductibles, and out-of-pocket costs while maximizing access to care.FEHB + Part B or Medicare Part B with a Supplement — What's the smarter retirement healthcare move for federal employees and retirees navigating rising FEHB costs and Medicare decisions? Discover how FEHB coordinates with Medicare, when Medicare Part B makes sense, and why dual coverage can change your out-of-pocket risk in retirement.

Series: Matthew Speaker: Oswin Suwandi Sermon points: The Christmas message is heavy because it: 1. Costs us our old life. 2. Carries eternal significance. 3. Hands us a role in His kingdom.

STARLINK: THE ECONOMIC ENGINE FOR MARS Colleague Eric Berger. To finance the massive costs of the Mars program, SpaceX developed Starlink, a constellation of thousands of low Earth orbit (LEO) satellites designed to provide global internet. While previous attempts at LEO constellations were deemed impractical due to manufacturing challenges, SpaceX is now operating thousands of satellites, outpacing sovereign nations and competitors like Amazon's Kuiper. This aggressive expansion relies on the reusable Block 5 Falcon 9 boosters to launch dozens of satellites at once, generating the revenue necessary to build the Starship architecture. NUMBER 6 SEPTEMBER 1955

I'm joined by Dr. Brian Levine, founding partner and practice director of CCRM New York, and founder of Nodal, to discuss the future of fertility care. We explore how artificial intelligence is transforming embryo selection and improving clinical outcomes, and we take a transparent look at the true costs of egg freezing and what patients should expect. Dr. Levine also shares how Nodal is revolutionizing surrogacy by streamlining the matching process and lowering costs for intended parents. From technology-driven advances to policy-level changes, this conversation highlights the many ways fertility care is evolving and how we can better support patients at every stage of their journey. In this episode, we cover: How AI is being used to improve embryo grading and IVF success The true costs of egg freezing and what patients need to know How Nodal is changing the landscape of surrogacy matching What to expect from recent government efforts to make IVF more accessible Why tech and transparency are reshaping the future of fertility care Get the full show notes and transcript on Dr. Aimee's website Find Dr. Levine at CCRM Fertility of New York Nodal Surrogacy's website Do you have questions about IVF? Click here to join Dr. Aimee for The IVF Class. You'll be able to join Dr. Aimee for a live call where she will explain IVF and Egg Freezing, and answer your questions live on Zoom. Other ways to connect with me: Visit my YouTube channel for more fertility tipsSubscribe to the newsletter to get updatesJoin Egg Whisperer SchoolRequest a Consultation with Dr. Aimee Dr. Aimee Eyvazzadeh is one of America's most well-known fertility doctors. Her success rate at baby-making gives future parents hope when all hope is lost. She pioneered the TUSHY Method and BALLS Method to decrease your time to pregnancy. Learn more about the TUSHY Method and find a wealth of fertility resources at www.draimee.org.

Welcome to The Times of Israel's Daily Briefing, your 20-minute audio update on what's happening in Israel, the Middle East and the Jewish world. Tech editor Sharon Wrobel and archaeology reporter Rossella Tercatin join host Jessica Steinberg for today's episode. After Israel signed a $35 billion gas deal with Egypt this month, Wrobel discusses the geopolitical and business pressures that brought about the agreement, including pressure to lower domestic electricity prices during the upcoming election year, with the possibility that the deal will bring about a shortage of natural gas and eventually, higher prices within a decade. Tercatin discusses an archaeological finding of a mold used to manufacture tiny flasks 1,500 years ago, the first time a mold of that kind has been found in Israel. She also discusses scholarly research regarding whether there was an Israelite kingdom, combining archaeological discoveries with biblical scholarship. Check out The Times of Israel's ongoing liveblog for more updates. For further reading: As major Egypt gas deal burns through reserves, public will end up paying the price Forget keychains, Byzantine pilgrims took home ‘souvenir’ flasks, newly found mold shows Despite academic battle royal, a new book returns David’s kingdom to its place in history Subscribe to The Times of Israel Daily Briefing on Apple Podcasts, Spotify, YouTube, or wherever you get your podcasts. This episode was produced by Pod-Waves. IMAGE: Israel's Leviathan gas field gas processing rig as seen from Dor Habonim Beach Nature Reserve, on January 1, 2020. (Flash90)See omnystudio.com/listener for privacy information.

Crazy Wisdom: Read the notes at at podcastnotes.org. Don't forget to subscribe for free to our newsletter, the top 10 ideas of the week, every Monday --------- In this episode of the Crazy Wisdom Podcast, host Stewart Alsop speaks with Aaron Borger, founder and CEO of Orbital Robotics, about the emerging world of space robotics and satellite capture technology. The conversation covers a fascinating range of topics including Borger's early experience launching AI-controlled robotic arms to space as a student, his work at Blue Origin developing lunar lander software, and how his company is developing robots that can capture other spacecraft for refueling, repair, and debris removal. They discuss the technical challenges of operating in space - from radiation hardening electronics to dealing with tumbling satellites - as well as the broader implications for the space economy, from preventing the Kessler effect to building space-based recycling facilities and mining lunar ice for rocket fuel. You can find more about Aaron Borger's work at Orbital Robots and follow him on LinkedIn for updates on upcoming missions and demos. Check out this GPT we trained on the conversationTimestamps00:00 Introduction to orbital robotics, satellite capture, and why sensing and perception matter in space 05:00 The Kessler Effect, cascading collisions, and why space debris is an economic problem before it is an existential one 10:00 From debris removal to orbital recycling and the idea of turning junk into infrastructure 15:00 Long-term vision of space factories, lunar ice, and refueling satellites to bootstrap a lunar economy 20:00 Satellite upgrading, servicing live spacecraft, and expanding today's narrow space economy 25:00 Costs of collision avoidance, ISS maneuvers, and making debris capture economically viable 30:00 Early experiments with AI-controlled robotic arms, suborbital launches, and reinforcement learning in microgravity 35:00 Why deterministic AI and provable safety matter more than LLM hype for spacecraft control 40:00 Radiation, single event upsets, and designing space-safe AI systems with bounded behavior 45:00 AI, physics-based world models, and autonomy as the key to scaling space operations 50:00 Manufacturing constraints, space supply chains, and lessons from rocket engine software 55:00 The future of space startups, geopolitics, deterrence, and keeping space usable for humanityKey Insights1. Space Debris Removal as a Growing Economic Opportunity: Aaron Borger explains that orbital debris is becoming a critical problem with approximately 3,000-4,000 defunct satellites among the 15,000 total satellites in orbit. The company is developing robotic arms and AI-controlled spacecraft to capture other satellites for refueling, repair, debris removal, and even space station assembly. The economic case is compelling - it costs about $1 million for the ISS to maneuver around debris, so if their spacecraft can capture and remove multiple pieces of debris for less than that cost per piece, it becomes financially viable while addressing the growing space junk problem.2. Revolutionary AI Safety Methods Enable Space Robotics: Traditional NASA engineers have been reluctant to use AI for spacecraft control due to safety concerns, but Orbital Robotics has developed breakthrough methods combining reinforcement learning with traditional control systems that can mathematically prove the AI will behave safely. Their approach uses physics-based world models rather than pure data-driven learning, ensuring deterministic behavior and bounded operations. This represents a significant advancement over previous AI approaches that couldn't guarantee safe operation in the high-stakes environment of space.3. Vision for Space-Based Manufacturing and Resource Utilization: The long-term vision extends beyond debris removal to creating orbital recycling facilities that can break down captured satellites and rebuild them into new spacecraft using existing materials in orbit. Additionally, the company plans to harvest propellant from lunar ice, splitting it into hydrogen and oxygen for rocket fuel, which could kickstart a lunar economy by providing economic incentives for moon-based operations while supporting the growing satellite constellation infrastructure.4. Unique Space Technology Development Through Student Programs: Borger and his co-founder gained unprecedented experience by launching six AI-controlled robotic arms to space through NASA's student rocket programs while still undergraduates. These missions involved throwing and catching objects in microgravity using deep reinforcement learning trained in simulation and tested on Earth. This hands-on space experience is extremely rare and gave them practical knowledge that informed their current commercial venture.5. Hardware Challenges Require Innovative Engineering Solutions: Space presents unique technical challenges including radiation-induced single event upsets that can reset processors for up to 10 seconds, requiring "passive safe" trajectories that won't cause collisions even during system resets. Unlike traditional space companies that spend $100,000 on radiation-hardened processors, Orbital Robotics uses automotive-grade components made radiation-tolerant through smart software and electrical design, enabling cost-effective operations while maintaining safety.6. Space Manufacturing Supply Chain Constraints: The space industry faces significant manufacturing bottlenecks with 24-week lead times for space-grade components and limited suppliers serving multiple companies simultaneously. This creates challenges for scaling production - Orbital Robotics needs to manufacture 30 robotic arms per year within a few years. They've partnered with manufacturers who previously worked on Blue Origin's rocket engines to address these supply chain limitations and achieve the scale necessary for their ambitious deployment timeline.7. Emerging Space Economy Beyond Communications: While current commercial space activities focus primarily on communications satellites (with SpaceX Starlink holding 60% market share) and Earth observation, new sectors are emerging including AI data centers in space and orbital manufacturing. The convergence of AI, robotics, and space technology is enabling more sophisticated autonomous operations, from predictive maintenance of rocket engines using sensor data to complex orbital maneuvering and satellite servicing that was previously impossible with traditional control methods.

Demand for turbines is growing fast, but so are lead times — causing serious headaches for developers and even cancellations. In Texas, one of six cancelled projects cited “equipment procurement constraints” as the reasons for its withdrawal.  Lead times are stretching to four years and sometimes more. Costs are climbing. So what's behind the bottleneck? In this episode, Shayle talks to Anthony Brough, founder and CEO of Dora Partners, a consulting firm focused on the turbine market. Shayle and Anthony cover topics like:  Why previous boom-bust cycles in turbine manufacturing have left the industry skittish — and why Anthony says leaders are approaching this new peak with “guarded optimism” The competing demands on the turbine supply chain, including from power, oil and gas, and aerospace industries How lead times have ballooned to four years and, in some cases, even longer Factors affecting the market beyond load growth, like renewables, storage, affordable gas, and coal retirements How investment in tech innovation has raised turbine efficiency  How the industry is preparing for hydrogen — if hydrogen scales up Resources: Latitude Media: Engie's pulled project highlights the worsening economics of gas Latitude Media: High costs, delays prompt withdrawal of five more Texas gas plants Power Magazine: Gas Power's Boom Sparks a Turbine Supply Crunch Marketplace: Will we have enough natural gas turbines to power AI data centers? CTVC:

In this episode of the Crazy Wisdom Podcast, host Stewart Alsop speaks with Aaron Borger, founder and CEO of Orbital Robotics, about the emerging world of space robotics and satellite capture technology. The conversation covers a fascinating range of topics including Borger's early experience launching AI-controlled robotic arms to space as a student, his work at Blue Origin developing lunar lander software, and how his company is developing robots that can capture other spacecraft for refueling, repair, and debris removal. They discuss the technical challenges of operating in space - from radiation hardening electronics to dealing with tumbling satellites - as well as the broader implications for the space economy, from preventing the Kessler effect to building space-based recycling facilities and mining lunar ice for rocket fuel. You can find more about Aaron Borger's work at Orbital Robots and follow him on LinkedIn for updates on upcoming missions and demos. Check out this GPT we trained on the conversationTimestamps00:00 Introduction to orbital robotics, satellite capture, and why sensing and perception matter in space 05:00 The Kessler Effect, cascading collisions, and why space debris is an economic problem before it is an existential one 10:00 From debris removal to orbital recycling and the idea of turning junk into infrastructure 15:00 Long-term vision of space factories, lunar ice, and refueling satellites to bootstrap a lunar economy 20:00 Satellite upgrading, servicing live spacecraft, and expanding today's narrow space economy 25:00 Costs of collision avoidance, ISS maneuvers, and making debris capture economically viable 30:00 Early experiments with AI-controlled robotic arms, suborbital launches, and reinforcement learning in microgravity 35:00 Why deterministic AI and provable safety matter more than LLM hype for spacecraft control 40:00 Radiation, single event upsets, and designing space-safe AI systems with bounded behavior 45:00 AI, physics-based world models, and autonomy as the key to scaling space operations 50:00 Manufacturing constraints, space supply chains, and lessons from rocket engine software 55:00 The future of space startups, geopolitics, deterrence, and keeping space usable for humanityKey Insights1. Space Debris Removal as a Growing Economic Opportunity: Aaron Borger explains that orbital debris is becoming a critical problem with approximately 3,000-4,000 defunct satellites among the 15,000 total satellites in orbit. The company is developing robotic arms and AI-controlled spacecraft to capture other satellites for refueling, repair, debris removal, and even space station assembly. The economic case is compelling - it costs about $1 million for the ISS to maneuver around debris, so if their spacecraft can capture and remove multiple pieces of debris for less than that cost per piece, it becomes financially viable while addressing the growing space junk problem.2. Revolutionary AI Safety Methods Enable Space Robotics: Traditional NASA engineers have been reluctant to use AI for spacecraft control due to safety concerns, but Orbital Robotics has developed breakthrough methods combining reinforcement learning with traditional control systems that can mathematically prove the AI will behave safely. Their approach uses physics-based world models rather than pure data-driven learning, ensuring deterministic behavior and bounded operations. This represents a significant advancement over previous AI approaches that couldn't guarantee safe operation in the high-stakes environment of space.3. Vision for Space-Based Manufacturing and Resource Utilization: The long-term vision extends beyond debris removal to creating orbital recycling facilities that can break down captured satellites and rebuild them into new spacecraft using existing materials in orbit. Additionally, the company plans to harvest propellant from lunar ice, splitting it into hydrogen and oxygen for rocket fuel, which could kickstart a lunar economy by providing economic incentives for moon-based operations while supporting the growing satellite constellation infrastructure.4. Unique Space Technology Development Through Student Programs: Borger and his co-founder gained unprecedented experience by launching six AI-controlled robotic arms to space through NASA's student rocket programs while still undergraduates. These missions involved throwing and catching objects in microgravity using deep reinforcement learning trained in simulation and tested on Earth. This hands-on space experience is extremely rare and gave them practical knowledge that informed their current commercial venture.5. Hardware Challenges Require Innovative Engineering Solutions: Space presents unique technical challenges including radiation-induced single event upsets that can reset processors for up to 10 seconds, requiring "passive safe" trajectories that won't cause collisions even during system resets. Unlike traditional space companies that spend $100,000 on radiation-hardened processors, Orbital Robotics uses automotive-grade components made radiation-tolerant through smart software and electrical design, enabling cost-effective operations while maintaining safety.6. Space Manufacturing Supply Chain Constraints: The space industry faces significant manufacturing bottlenecks with 24-week lead times for space-grade components and limited suppliers serving multiple companies simultaneously. This creates challenges for scaling production - Orbital Robotics needs to manufacture 30 robotic arms per year within a few years. They've partnered with manufacturers who previously worked on Blue Origin's rocket engines to address these supply chain limitations and achieve the scale necessary for their ambitious deployment timeline.7. Emerging Space Economy Beyond Communications: While current commercial space activities focus primarily on communications satellites (with SpaceX Starlink holding 60% market share) and Earth observation, new sectors are emerging including AI data centers in space and orbital manufacturing. The convergence of AI, robotics, and space technology is enabling more sophisticated autonomous operations, from predictive maintenance of rocket engines using sensor data to complex orbital maneuvering and satellite servicing that was previously impossible with traditional control methods.

Grab our breakdown of the 5 Low-Cost Businesses That Make $1 Million: https://www.franchiseempire.com/lowcost?utm_source=TJJan032025If you liked this video, but want to learn about franchises with higher profit margins check out this video next: https://youtu.be/voDIBiM58awThinking about investing in a Culver's franchise? In this breakdown, I cover startup costs, royalty fees, average sales, and why it might not be as profitable as it looks. We'll also talk about scalability, margins, and whether it's a smart move going into 2026. You'll also learn more about the brand's history and how it has grown so quickly in some parts of the US. Make sure you watch before you invest!------------------Considering Investing In A Franchise?

Dave, Josh, & Mario are back after Christmas to talk some NFL. The crew preview Chargers vs Texans and talk NFL Week 17. 

As Republicans face increasing pressure to put forth a healthcare solution, four in the party broke ranks with the rest and joined a Democrat-led discharge petition, which would force a vote on a three-year extension of COVID-Era Affordable Care Act subsidies set to expire at the end of January. One of those Republicans, Congressman Mike Lawler (R-NY), spoke to Bret alongside Congressman Josh Gottheimer (D-NJ) last week to explain his support for temporarily extending the subsidies, despite the potential backlash it could bring from the rest of his party.    The discharge petition passed on December 17, 2025, although a vote on extending the ACA subsidies has not yet been scheduled. Learn more about your ad choices. Visit podcastchoices.com/adchoices

THE BORING BENEFITS OF AI Colleague Kevin Frazier. Kevin Frazier advocates for the "boring use cases" of AI, such as in healthcare and traffic management, to save costs and improve efficiency. NUMBER 7 JANUARY 1951

Trump and his regime have corrupted the media, abusing the American people’s trust and sense of decency. Steve Schmidt explains how journalists like Sharyn Alfonsi are fighting back and why Trump’s reckoning is finally arriving. Today's Merch: STANDUP FOR YOUR RIGHTShttps://thewarningwithsteveschmidt.com/products/standup-for-your-rights-tee SUBSCRIBE for more and follow me here:Substack: https://steveschmidt.substack.com/subscribeStore: https://thewarningwithsteveschmidt.com/Bluesky: https://bsky.app/profile/thewarningses.bsky.socialFacebook: https://www.facebook.com/SteveSchmidtSES/TikTok: https://www.tiktok.com/@thewarningsesInstagram: https://www.instagram.com/thewarningses/X: https://x.com/SteveSchmidtSESSee omnystudio.com/listener for privacy information.

This episode is a raw walk through 1 Peter 4 that exposes the fiery trials we avoid, the subtle sins we medicate, and the love we're actually called to embody. This message reframes suffering as a doorway into holiness, reveals the unseen battle for your mind, and unpacks why earnest love has the power to cover sins and restore hearts. It's a call to wake up, arm your thinking, break agreement with self-medication, and step into the kind of spiritual maturity that can withstand fire—and still love people boldly.This message is from a weekly Zoom called Gospel Hour. Join us weekly on Wednesdays at 9a CST: https://us02web.zoom.us/j/9657760302Send us a textSupport the show

In this episode of Trading Secrets, we're joined by Jason Gamel, President & CEO of the American Resort Development Association (ARDA), to break down the real business of vacation ownership. With over 25 years of experience spanning hospitality, law, and leadership, Jason oversees the trade group shaping how millions of Americans vacation every year—and he's here to separate myth from fact. We dive into why the modern timeshare industry looks nothing like it did decades ago, how flexibility and point-based systems have changed the game, and why vacation ownership has quietly become one of the most resilient sectors in U.S. travel, even during economic uncertainty. If you're planning travel for 2026 (or beyond), this episode is packed with practical, consumer-first insights—including how timeshares actually compare to hotels and short-term rentals when it comes to cost, space, predictability, and long-term value. GoTimesharing.com

Jared and Jordana kick things off with a little holiday gift exchange powered by Uber Eats, proving last minute gifting doesn't have to be stressful! Then they tackle a big dating etiquette question: you book a trip together, break up, and suddenly you're stuck with the bill - do you still split the bill? They then get into an icky or picky where a listener asks if her boyfriend's top Spotify song of the year being his own, cringe or just a harmless quirk? Lastly, they get into some red flags: a married grown man sharing an Amazon account with his mom, and a boyfriend who still won't show his apartment after four months of dating! Learn more about your ad choices. Visit megaphone.fm/adchoices