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In part two of my interview with Nadya Dickson, we dive deeper into how Christian moms can lead their families with clarity by identifying their values and creating a vision. Values and vision go hand in hand. Whether we've named them or not, every family operates from a set of values. Nadya explains that when we take the time to identify and name the values that matter most to us, they become a powerful lens for making decisions, setting priorities, and shaping the atmosphere of our homes.We also talk about creating a yearly vision for your children, focusing more on character than performance, and asking God to reveal who each child is becoming. In a world filled with competing messages about what motherhood should look like, a clear vision can help moms filter out the noise and focus on what is truly fruitful.If you've ever felt overwhelmed by expectations or unsure how to prioritize your time as a mom, this conversation will help you rediscover peace, purpose, and intentionality in your parenting. Here is some of what we cover: The power of naming your top 5 values How moms can filter out cultural pressure and expectations Why clarity helps us determine what is fruitful versus wasteful You can't change people, but you can control the atmosphere Connect with Nadya Dickson: Website: Formed to Lead | Nadya Dickson Links Mentioned: 50 I am statements CliftonStrengths Online Talent Assessment 5 Values Exercise Annual Vision Process - Children 2026 One-Year PowerSheets® Goal Planner Related Episodes: Goals, Roles and Superpowers :: Bruce and Heather [Ep 112] Motherhood Is an Assignment, Not Your Identity | Clarity Series (Part One) with Nadya Dickson [Ep 563] Learning to Listen to God's Voice :: Kelsey Phillips [Summer of Mentorship wk 3] Featured Sponsors: Written by Tim and Mark Shoemaker, a father and son duo who have spent years walking with guys through real questions, 72 Questions (and Answers) About Life and Becoming the Man God Designed You to Be tackles the issues they're facing, porn, dating, purpose, fear, and spiritual dryness, with clear, biblical direction. Warby Parker: Warby Parker gives you quality & better-looking prescription eyewear at a fraction of the going price. Our listeners get 15% off + Free Shipping when they buy 2 or more pairs of prescription glasses at WarbyParker.com/DMA. Cove: Make protecting your home a top priority. Check out Cove at covesmart.com/DMA or use code DMA at checkout for up to 60% off your first order!
Retirement income planning isn't just about withdrawal rates, portfolio construction, or tax strategies. For many retirees, the hardest part of retirement is psychological, not mathematical. Richard Rosso & Jonathan McCarty explore the psychology behind retirement spending decisions, including why retirees frequently leave large amounts of wealth unused and how behavioral finance shapes income planning. Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:19 - Turmoil in Markets & The Math of Retirement 6:28 - Retirees Chronically Under-spend 9:42 - Longevity Risk & LTC 11:21 - Looking at Guardrails & Switching Lanes in Retirement 14:20 - Not much is working - doing mental accounting 17:24 - Legacy vs Consumption conflict 20:20 - Healthcare Uncertainty & Insurance 24:17 - Candid Coffee Preview 29:15 - Tax Strategies for Retirement 32:29 - Accumulation vs De-cumulation planning 34:21 - What Will You Do IN Retirement 38:45 - What % of Working-Age Income is Used in Retirement 43:05 - Johnny Cash in Nickajack Cave ------- Register for our next Candid Coffee, 3/21/26, and Ask Us Anything: https://realinvestmentadvice.com/resources/events/ask-us-anything/ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/0J1dQZvIQrQ ------- Watch our previous show, "The “Value Rotation” Illusion," https://youtube.com/live/jW9UWP7WdZY?feature=share ------- Articles Mentioned in Today's Show: "Technical Deterioration: Risk Management Is Key" https://realinvestmentadvice.com/resources/blog/technical-deterioration-an-analysis-of-the-markets-next-move/ "True Value: Looking Through The Value Rotation Illusion" https://realinvestmentadvice.com/resources/blog/true-value-looking-through-the-value-rotation-illusion/ -------- The latest installment of our new feature, Before the Bell, "Markets Reclaim 100-DMA," is here: https://youtu.be/MntZ-KayzxA ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #RetirementPlanning #RetirementIncome #BehavioralFinance #FinancialPlanning #InvestorPsychology
Retirement income planning isn't just about withdrawal rates, portfolio construction, or tax strategies. For many retirees, the hardest part of retirement is psychological, not mathematical. Richard Rosso & Jonathan McCarty explore the psychology behind retirement spending decisions, including why retirees frequently leave large amounts of wealth unused and how behavioral finance shapes income planning. Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:19 - Turmoil in Markets & The Math of Retirement 6:28 - Retirees Chronically Under-spend 9:42 - Longevity Risk & LTC 11:21 - Looking at Guardrails & Switching Lanes in Retirement 14:20 - Not much is working - doing mental accounting 17:24 - Legacy vs Consumption conflict 20:20 - Healthcare Uncertainty & Insurance 24:17 - Candid Coffee Preview 29:15 - Tax Strategies for Retirement 32:29 - Accumulation vs De-cumulation planning 34:21 - What Will You Do IN Retirement 38:45 - What % of Working-Age Income is Used in Retirement 43:05 - Johnny Cash in Nickajack Cave ------- Register for our next Candid Coffee, 3/21/26, and Ask Us Anything: https://realinvestmentadvice.com/resources/events/ask-us-anything/ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/0J1dQZvIQrQ ------- Watch our previous show, "The "Value Rotation" Illusion," https://youtube.com/live/jW9UWP7WdZY?feature=share ------- Articles Mentioned in Today's Show: "Technical Deterioration: Risk Management Is Key" https://realinvestmentadvice.com/resources/blog/technical-deterioration-an-analysis-of-the-markets-next-move/ "True Value: Looking Through The Value Rotation Illusion" https://realinvestmentadvice.com/resources/blog/true-value-looking-through-the-value-rotation-illusion/ -------- The latest installment of our new feature, Before the Bell, "Markets Reclaim 100-DMA," is here: https://youtu.be/MntZ-KayzxA ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #RetirementPlanning #RetirementIncome #BehavioralFinance #FinancialPlanning #InvestorPsychology
The market narrative says investors are rotating out of expensive growth stocks and into cheaper value stocks. But is that actually happening? Jon Penn and Michael Lebowitz explain how today's passive investing landscape can distort traditional definitions of value and growth. ETF flows and index-driven allocations often send capital into the largest and most popular companies, regardless of valuation. Using our three-tier valuation framework—past earnings, forward earnings, and growth-adjusted valuations—we show how investors can better separate stocks that simply look cheap from those that may represent genuine value. We also discuss why traditional screens like low P/E ratios can lead investors into value traps, and how market narratives, psychology, and passive flows can create large valuation gaps across sectors and companies. Understanding the difference between perceived value and true value is critical in today's market environment. Hosted by RIA Advisors Senior Investment Advisor, Jonathan Penn, CFP, w Portfolio Manger, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:20 - Before the Bell - Markets Making Lower Highs and Lower Lows 2:56 - Dealing with Trapped Longs 5:32 - Negative Divergences Send Warnings 7:35 - Our Strategies Now 11:26 - The Price of Oil & U.S. Dollar 13:52 - Impact of Dollar on Gold, Silver, Precious Metals 17:41 - The Momentum Chase 18:25 - $200 Crude & Futures Markets 22:15 - Crude Oil & Gasoline Futures curves 25:24 - CPI vs Core CPI & The Fed 30:32 - Jerome Powell, Kevin Warsh, & Fed Stance 33:22 - The Value Rotation Illusion 35:51 - What is Value? 38:55 - How Airlines Really Make Money 41:40 - Market Commentary & Blog posting ------- Register for our next Candid Coffee, 3/21/26, and Ask Us Anything: https://realinvestmentadvice.com/resources/events/ask-us-anything/ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/jW9UWP7WdZY ------- Watch our previous show, "Q&A Day: Technical Breakdown in the S&P 500: What Comes Next?" here: https://youtube.com/live/B2diF0UUrjs ------- Articles Mentioned in Today's Show: "Technical Deterioration: Risk Management Is Key" https://realinvestmentadvice.com/resources/blog/technical-deterioration-an-analysis-of-the-markets-next-move/ "True Value: Looking Through The Value Rotation Illusion" https://realinvestmentadvice.com/resources/blog/true-value-looking-through-the-value-rotation-illusion/ -------- The latest installment of our new feature, Before the Bell, "Markets Reclaim 100-DMA," is here: https://youtu.be/MntZ-KayzxA ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #ValueInvesting #StockMarket #PassiveInvesting #MarketAnalysis #InvestorEducation
The market narrative says investors are rotating out of expensive growth stocks and into cheaper value stocks. But is that actually happening? Jon Penn and Michael Lebowitz explain how today's passive investing landscape can distort traditional definitions of value and growth. ETF flows and index-driven allocations often send capital into the largest and most popular companies, regardless of valuation. Using our three-tier valuation framework—past earnings, forward earnings, and growth-adjusted valuations—we show how investors can better separate stocks that simply look cheap from those that may represent genuine value. We also discuss why traditional screens like low P/E ratios can lead investors into value traps, and how market narratives, psychology, and passive flows can create large valuation gaps across sectors and companies. Understanding the difference between perceived value and true value is critical in today's market environment. Hosted by RIA Advisors Senior Investment Advisor, Jonathan Penn, CFP, w Portfolio Manger, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:20 - Before the Bell - Markets Making Lower Highs and Lower Lows 2:56 - Dealing with Trapped Longs 5:32 - Negative Divergences Send Warnings 7:35 - Our Strategies Now 11:26 - The Price of Oil & U.S. Dollar 13:52 - Impact of Dollar on Gold, Silver, Precious Metals 17:41 - The Momentum Chase 18:25 - $200 Crude & Futures Markets 22:15 - Crude Oil & Gasoline Futures curves 25:24 - CPI vs Core CPI & The Fed 30:32 - Jerome Powell, Kevin Warsh, & Fed Stance 33:22 - The Value Rotation Illusion 35:51 - What is Value? 38:55 - How Airlines Really Make Money 41:40 - Market Commentary & Blog posting ------- Register for our next Candid Coffee, 3/21/26, and Ask Us Anything: https://realinvestmentadvice.com/resources/events/ask-us-anything/ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/jW9UWP7WdZY ------- Watch our previous show, "Q&A Day: Technical Breakdown in the S&P 500: What Comes Next?" here: https://youtube.com/live/B2diF0UUrjs ------- Articles Mentioned in Today's Show: "Technical Deterioration: Risk Management Is Key" https://realinvestmentadvice.com/resources/blog/technical-deterioration-an-analysis-of-the-markets-next-move/ "True Value: Looking Through The Value Rotation Illusion" https://realinvestmentadvice.com/resources/blog/true-value-looking-through-the-value-rotation-illusion/ -------- The latest installment of our new feature, Before the Bell, "Markets Reclaim 100-DMA," is here: https://youtu.be/MntZ-KayzxA ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #ValueInvesting #StockMarket #PassiveInvesting #MarketAnalysis #InvestorEducation
Jon Penn & Devoda Owens cover key financial planning and market topics affecting investors and retirees, beginning with market commentary on the Iran campaign and geopolitical risk, and what it could mean for energy prices, inflation expectations, and market volatility. Jon & Devoda also discuss Social Security depletion projections, how investors should think about benchmarking portfolios, and the key considerations around when to claim Social Security benefits. Additional planning topics include estate planning when remarrying, insurance and long-term care strategies, preparing for healthcare inflation, and the role of life insurance and umbrella coverage in protecting assets. We examine the recent value rotation narrative in markets and preview the upcoming CPI report and its potential implications for inflation and interest rates. Hosted by RIA Advisors Senior Investment Advisor, Jonathan Penn, CFP, w Senior Investment Advisor, Devoda Owens, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:20 - Introducing Devoda Owens, CFP 4:55 - Market Commentary - Iran Campaign 8:42 - Social Security Depletion & Comparing Benchmarks 14:08 - When to Take SS? 19:53 - Estate Planning and Re-marriage 27:56 - Value Rotation Illusion 31:13 - Insurance Planning & Long Term Care 37:48 - Planning for Healthcare Inflation 41:57 - Life Insurance & Umbrella Coverage 46:17 - CPI Preview ------- Register for our next Candid Coffee, 3/21/26, and Ask Us Anything: https://realinvestmentadvice.com/resources/events/ask-us-anything/ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/B2diF0UUrjs ------- Watch our previous show, "The Benefits Talk Every Business Owner Needs," here: https://youtube.com/live/p6Fp1bhtsDE ------- Articles Mentioned in Today's Show: "Technical Deterioration: Risk Management Is Key" https://realinvestmentadvice.com/resources/blog/technical-deterioration-an-analysis-of-the-markets-next-move/ "True Value: Looking Through The Value Rotation Illusion" https://realinvestmentadvice.com/resources/blog/true-value-looking-through-the-value-rotation-illusion/ -------- The latest installment of our new feature, Before the Bell, "Markets Reclaim 100-DMA," is here: https://youtu.be/MntZ-KayzxA ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #FinancialPlanning #SocialSecurity #RetirementPlanning #MarketOutlook #InvestmentStrategy
Jon Penn & Devoda Owens cover key financial planning and market topics affecting investors and retirees, beginning with market commentary on the Iran campaign and geopolitical risk, and what it could mean for energy prices, inflation expectations, and market volatility. Jon & Devoda also discuss Social Security depletion projections, how investors should think about benchmarking portfolios, and the key considerations around when to claim Social Security benefits. Additional planning topics include estate planning when remarrying, insurance and long-term care strategies, preparing for healthcare inflation, and the role of life insurance and umbrella coverage in protecting assets. We examine the recent value rotation narrative in markets and preview the upcoming CPI report and its potential implications for inflation and interest rates. Hosted by RIA Advisors Senior Investment Advisor, Jonathan Penn, CFP, w Senior Investment Advisor, Devoda Owens, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:20 - Introducing Devoda Owens, CFP 4:55 - Market Commentary - Iran Campaign 8:42 - Social Security Depletion & Comparing Benchmarks 14:08 - When to Take SS? 19:53 - Estate Planning and Re-marriage 27:56 - Value Rotation Illusion 31:13 - Insurance Planning & Long Term Care 37:48 - Planning for Healthcare Inflation 41:57 - Life Insurance & Umbrella Coverage 46:17 - CPI Preview ------- Register for our next Candid Coffee, 3/21/26, and Ask Us Anything: https://realinvestmentadvice.com/resources/events/ask-us-anything/ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/B2diF0UUrjs ------- Watch our previous show, "The Benefits Talk Every Business Owner Needs," here: https://youtube.com/live/p6Fp1bhtsDE ------- Articles Mentioned in Today's Show: "Technical Deterioration: Risk Management Is Key" https://realinvestmentadvice.com/resources/blog/technical-deterioration-an-analysis-of-the-markets-next-move/ "True Value: Looking Through The Value Rotation Illusion" https://realinvestmentadvice.com/resources/blog/true-value-looking-through-the-value-rotation-illusion/ -------- The latest installment of our new feature, Before the Bell, "Markets Reclaim 100-DMA," is here: https://youtu.be/MntZ-KayzxA ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #FinancialPlanning #SocialSecurity #RetirementPlanning #MarketOutlook #InvestmentStrategy
Consider this the money talk your Dad would have given you if he knew everything about running a business. Jon Penn and Tom Allen provide straight-talking advice, walking you through exactly how to build a benefits and retirement strategy that works for you AND your employees. No jargon. No sales pitch. Just the kind of honest, experienced advice two dads would give their own kids sitting across the kitchen table. Hosted by RIA Advisors Senior Investment Advisor, Jonathan Penn, CFP, w Retirement Plan Consultant, Tom Allen Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:21 - Two Dads & Tom's Kids 2:27 - Market Commentary - Technical Deterioration 12:14 - What to Do in Times Like These 17:00 - Benefits Planning for Business Owners 21:24 - What is the long-term vs near-term vision? 25:27 - Retirement Plan Structure 28:17 - Starting Things Off... 31:06 - How to Fix/Correct Mistakes 34:13 - Educating About Retirement Plans 38:00 - Common Employee Questions & Portability 39:03 - Compensation for Key Employees 41:16 - Dealing with 12% Healthcare Inflation 42:43 - Defining BUCA ------- Register for our next Candid Coffee, 3/21/26, and Ask Us Anything: https://realinvestmentadvice.com/resources/events/ask-us-anything/ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/p6Fp1bhtsDE ------- Watch our previous show, "Diversification Is Not Risk Management," here: https://youtube.com/live/9m5uCWh7hWw ------- Articles Mentioned in Today's Show: "Technical Deterioration: Risk Management Is Key" https://realinvestmentadvice.com/resources/blog/technical-deterioration-an-analysis-of-the-markets-next-move/ -------- The latest installment of our new feature, Before the Bell, "Markets Reclaim 100-DMA," is here: https://youtu.be/MntZ-KayzxA ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #TwoDadsOnMoney #BusinessOwnerFinance #RetirementPlanning #EmployeeBenefits #SmallBusinessWealth
Consider this the money talk your Dad would have given you if he knew everything about running a business. Jon Penn and Tom Allen provide straight-talking advice, walking you through exactly how to build a benefits and retirement strategy that works for you AND your employees. No jargon. No sales pitch. Just the kind of honest, experienced advice two dads would give their own kids sitting across the kitchen table. Hosted by RIA Advisors Senior Investment Advisor, Jonathan Penn, CFP, w Retirement Plan Consultant, Tom Allen Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:21 - Two Dads & Tom's Kids 2:27 - Market Commentary - Technical Deterioration 12:14 - What to Do in Times Like These 17:00 - Benefits Planning for Business Owners 21:24 - What is the long-term vs near-term vision? 25:27 - Retirement Plan Structure 28:17 - Starting Things Off... 31:06 - How to Fix/Correct Mistakes 34:13 - Educating About Retirement Plans 38:00 - Common Employee Questions & Portability 39:03 - Compensation for Key Employees 41:16 - Dealing with 12% Healthcare Inflation 42:43 - Defining BUCA ------- Register for our next Candid Coffee, 3/21/26, and Ask Us Anything: https://realinvestmentadvice.com/resources/events/ask-us-anything/ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/p6Fp1bhtsDE ------- Watch our previous show, "Diversification Is Not Risk Management," here: https://youtube.com/live/9m5uCWh7hWw ------- Articles Mentioned in Today's Show: "Technical Deterioration: Risk Management Is Key" https://realinvestmentadvice.com/resources/blog/technical-deterioration-an-analysis-of-the-markets-next-move/ -------- The latest installment of our new feature, Before the Bell, "Markets Reclaim 100-DMA," is here: https://youtu.be/MntZ-KayzxA ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #TwoDadsOnMoney #BusinessOwnerFinance #RetirementPlanning #EmployeeBenefits #SmallBusinessWealth
Many women today are running at full speed—balancing motherhood, work, leadership, and countless responsibilities—yet still feel like they are barely surviving. In this powerful conversation, purpose strategist Nadya Dickson shares how women can move from survival mode into clarity and confidence by rediscovering their God-given identity.One of the most powerful reminders from this episode: motherhood is an assignment, not your identity. When women understand who God says they are, everything else—leadership, family, work, and influence—begins to align.If you've ever wondered Who am I beyond my roles? or Where should my time and energy really go? This conversation will encourage you to slow down, seek God, and rediscover your purpose. Here is some of what we cover: Starting with the prayer: “God, who do You say I am?” Understanding your identity as a daughter of the King of Kings Recognizing the unique personality and wiring God gave you The parable of the four soils and why busyness is not the same as fruitfulness The influences around us are constantly forming and shaping us. Connect with Nadya Dickson: Website: Formed to Lead | Nadya Dickson Links Mentioned: 50 I am statements CliftonStrengths Online Talent Assessment Free Personality Test | 16Personalities Related Episodes: Goals, Roles and Superpowers :: Bruce and Heather [Ep 112] Healing Past Wounds for More Freedom :: Jennifer Barnett [Summer of Mentorship wk 4] Generational Healing: Becoming the Mom You Needed :: Melanie Shankle [Ep 508] If You're Tired of Feeling Like You Don't Measure Up… :: Hosanna Wong [Ep 538] Featured Sponsors: Hiya Health: We've worked out a special deal with Hiya for their best selling children's vitamin. Receive 50% off your first order. To claim this deal you must go to hiyahealth.com/DMA. get your kids the full-body nourishment they need to grow into healthy adults. Branch Basics: And here's the good news — Branch Basics is now available everywhere you shop: at Target, Target.com, Amazon, and of course, BranchBasics.com. Tossing the toxins has never been more convenient! And for anyone grabbing the Premium Starter Kit, you can still get 15% off at BranchBasics.com with our code DMA. Honeylove: Treat yourself to the most advanced bras and shapewear on the market. Use our exclusive link to save 20% off Honeylove at honeylove.com/DMA .
Is your IRA a ticking tax time bomb? Most retirement savers don't realize that every dollar sitting in a traditional IRA will eventually be taxed — and you may have little say over when, how much, or at what rate. Danny Ratliff & Sarah Buenger break down the three critical dimensions of IRA tax planning: a proactive multi-year conversion strategy, the risks of doing nothing, and legacy planning considerations that could determine how much your heirs actually keep. Hosted by RIA Advisors Senior Investment Advisor, Danny Ratliff, CFP, w Senior Investment Advisor, Sarah Buenger, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:22 - Oil, Gasoline, & Market Commentary 3:51 - What Will the Fed Do Next? 6:06 - Tax Strategies & Management 7:52 - The Ticking Tax Time Bomb 10:10 - Doing Roth Conversions in a Down Market 13:02 - The IRS Uniform Lifetime Table 15:47 - No More Stretch IRA's 17:32 - Retirement Income Trough & RMD's 21:15 - Building Money Buckets 25:34 - Money for Medical Expenses 27:02 - Implications of relocating to no-income tax state 29:19 - Qualified Charitable Donations 31:51 - Dealing with RMD's & IRMAA's 34:00 - Multi-year strategies 37:54 - Estate Planning w Roth Assets ------- Register for our next Candid Coffee, 3/21/26, and Ask Us Anything: https://realinvestmentadvice.com/resources/events/ask-us-anything/ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/p6Fp1bhtsDE ------- Watch our previous show, "Diversification Is Not Risk Management," here: https://youtube.com/live/9m5uCWh7hWw -------- The latest installment of our new feature, Before the Bell, "Markets Reclaim 100-DMA," is here: https://youtu.be/MntZ-KayzxA ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #IRAPlanning #RothConversion #RetirementTaxStrategy #RMDPlanning #WealthTransfer
Is your IRA a ticking tax time bomb? Most retirement savers don't realize that every dollar sitting in a traditional IRA will eventually be taxed — and you may have little say over when, how much, or at what rate. Danny Ratliff & Sarah Buenger break down the three critical dimensions of IRA tax planning: a proactive multi-year conversion strategy, the risks of doing nothing, and legacy planning considerations that could determine how much your heirs actually keep. Hosted by RIA Advisors Senior Investment Advisor, Danny Ratliff, CFP, w Senior Investment Advisor, Sarah Buenger, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:22 - Oil, Gasoline, & Market Commentary 3:51 - What Will the Fed Do Next? 6:06 - Tax Strategies & Management 7:52 - The Ticking Tax Time Bomb 10:10 - Doing Roth Conversions in a Down Market 13:02 - The IRS Uniform Lifetime Table 15:47 - No More Stretch IRA's 17:32 - Retirement Income Trough & RMD's 21:15 - Building Money Buckets 25:34 - Money for Medical Expenses 27:02 - Implications of relocating to no-income tax state 29:19 - Qualified Charitable Donations 31:51 - Dealing with RMD's & IRMAA's 34:00 - Multi-year strategies 37:54 - Estate Planning w Roth Assets ------- Register for our next Candid Coffee, 3/21/26, and Ask Us Anything: https://realinvestmentadvice.com/resources/events/ask-us-anything/ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/p6Fp1bhtsDE ------- Watch our previous show, "Diversification Is Not Risk Management," here: https://youtube.com/live/9m5uCWh7hWw -------- The latest installment of our new feature, Before the Bell, "Markets Reclaim 100-DMA," is here: https://youtu.be/MntZ-KayzxA ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #IRAPlanning #RothConversion #RetirementTaxStrategy #RMDPlanning #WealthTransfer
Most investors believe diversification protects them from risk. It does not. Richard Rosso breaks down what diversification actually does, what it does not do, and why confusing it with risk management can quietly damage your portfolio over time. We also tackle one of the most overlooked questions in retirement planning: do you actually need long-term care insurance? Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 1:38 - Market Gyrations & Diversifications 3:22 - Diversification of Assets AND Accounts 7:28 - The Past as a Pacifier 9:35 - What's Free on Wall Street? 13:01 - Diversification is NOT Risk Management 16:34 - Why is "Diversification" Sold as it is? 18:10 - Redefining Diversification 24:31 - The Lunchroom Effect in Mutual Funds 33:16 - Long Term Care - Some People Don't Need It 36:39 - Richard's Search in Cemeteries 37:41 - Long Term Care Planning Around Alzheimer's 40:08 - Who Needs LTC Insurance? 44:35 - Who Doesn't Need LTC Insurance? 48:00 - But If You Really Want LTC Insurance ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/9m5uCWh7hWw ------- Watch our previous show, "Passive Aggressive Market: Bogle's Warning Came True," here: https://youtube.com/live/jbpipFjnakQ -------- The latest installment of our new feature, Before the Bell, "Markets Reclaim 100-DMA," is here: https://youtu.be/MntZ-KayzxA ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #PersonalFinance #RetirementPlanning #InvestingStrategy #LongTermCareInsurance #PortfolioManagement
Most investors believe diversification protects them from risk. It does not. Richard Rosso breaks down what diversification actually does, what it does not do, and why confusing it with risk management can quietly damage your portfolio over time. We also tackle one of the most overlooked questions in retirement planning: do you actually need long-term care insurance? Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 1:38 - Market Gyrations & Diversifications 3:22 - Diversification of Assets AND Accounts 7:28 - The Past as a Pacifier 9:35 - What's Free on Wall Street? 13:01 - Diversification is NOT Risk Management 16:34 - Why is "Diversification" Sold as it is? 18:10 - Redefining Diversification 24:31 - The Lunchroom Effect in Mutual Funds 33:16 - Long Term Care - Some People Don't Need It 36:39 - Richard's Search in Cemeteries 37:41 - Long Term Care Planning Around Alzheimer's 40:08 - Who Needs LTC Insurance? 44:35 - Who Doesn't Need LTC Insurance? 48:00 - But If You Really Want LTC Insurance ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/9m5uCWh7hWw ------- Watch our previous show, "Passive Aggressive Market: Bogle's Warning Came True," here: https://youtube.com/live/jbpipFjnakQ -------- The latest installment of our new feature, Before the Bell, "Markets Reclaim 100-DMA," is here: https://youtu.be/MntZ-KayzxA ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #PersonalFinance #RetirementPlanning #InvestingStrategy #LongTermCareInsurance #PortfolioManagement
Are passive investors really passive? Not anymore. Lance Roberts & Michael Lebowitz break down how index funds and ETFs — the tools designed for patient, long-term investing — have quietly become weapons of short-term speculation. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manger, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer 0:00 - INTRO 1:03 - Good Economic News Under the Surface 4:26 - Out of the Frying Pan, Into the Fire... 6:15 - Wait for Market to Declare Direction 10:49 - Economic Improvement Puts the Fed in a Box 14:14 - What's Going to Happen to Yields? 15:38 - Risk Management Matters 16:59 - Narratives Work Both Ways 20:28 - Cheerios & Lucky Charms' 21:59 - Passive-Aggressive Markets 25:17 - The Rotation of Assets 29:34 - Taking Stock of Volatility 33:01 - Retail Investors are Trading the Market 34:07 - Options Trading - Much more speculative 39:49 - Fixed Income, Bonds, & Yields ------- Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/jbpipFjnakQ ------- Watch our previous show, "Q & A Wednesday: Ask Us Anything," here: https://youtube.com/live/uFdhcR6QBKI -------- The latest installment of our new feature, Before the Bell, "Markets Reclaim 100-DMA," is here: https://youtu.be/MntZ-KayzxA ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #PreMarket #StockMarket #MovingAverage #MarketAnalysis #TradingSignals #PassiveInvesting #ETFStrategy #IndexFunds #SectorRotation #JohnBogle
Are passive investors really passive? Not anymore. Lance Roberts & Michael Lebowitz break down how index funds and ETFs — the tools designed for patient, long-term investing — have quietly become weapons of short-term speculation. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manger, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer 0:00 - INTRO 1:03 - Good Economic News Under the Surface 4:26 - Out of the Frying Pan, Into the Fire... 6:15 - Wait for Market to Declare Direction 10:49 - Economic Improvement Puts the Fed in a Box 14:14 - What's Going to Happen to Yields? 15:38 - Risk Management Matters 16:59 - Narratives Work Both Ways 20:28 - Cheerios & Lucky Charms' 21:59 - Passive-Aggressive Markets 25:17 - The Rotation of Assets 29:34 - Taking Stock of Volatility 33:01 - Retail Investors are Trading the Market 34:07 - Options Trading - Much more speculative 39:49 - Fixed Income, Bonds, & Yields ------- Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/jbpipFjnakQ ------- Watch our previous show, "Q & A Wednesday: Ask Us Anything," here: https://youtube.com/live/uFdhcR6QBKI -------- The latest installment of our new feature, Before the Bell, "Markets Reclaim 100-DMA," is here: https://youtu.be/MntZ-KayzxA ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #PreMarket #StockMarket #MovingAverage #MarketAnalysis #TradingSignals #PassiveInvesting #ETFStrategy #IndexFunds #SectorRotation #JohnBogle
The 100-day moving average has been the market's most critical support level since April 2025 — and this week, it's being tested again. After Monday's selloff on Middle East military escalation news, markets broke below the 100-DMA before quickly recovering above the 50- and 20-DMA. Tuesday opened ~2% below that key level, but buyers stepped in and pushed markets right back up to close AT the 100-DMA. Here's what most investors get wrong: when markets break a moving average, algorithmic trading programs and HFT systems are ALL watching the same level — and many are programmed to SELL at the 100-DMA. That's exactly what played out Tuesday. Don't panic-sell into that action. What to watch TODAY: ✅ If markets RECLAIM the 100-DMA → potential to re-enter the prior range ❌ If markets FAIL at the 100-DMA and turn lower → confirmed sell signal; time to reduce exposure and rebalance risk The bottom line: Don't make a move before today's close. Let the market tell you what it wants to do. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/c7jD-q6_mY8 --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Rate us on Google: https://bit.ly/4b9JtEo --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #PreMarket #StockMarket #MovingAverage #TechnicalAnalysis #MarketOutlook
In this episode, Suzanne Stabile, internationally recognized Enneagram expert and mom of four adult children, shares her personal story and how the Enneagram has shaped her approach to parenting. She explains that the Enneagram isn't about changing who we are, but about understanding how we see the world and choosing how to act with intention. She reminds us that there's no one right way to parent; motherhood requires recognizing differences, extending grace, and embracing our own authentic path.Suzanne dives into the practical applications of the Enneagram in family life, showing how it can transform relationships with your children, your spouse, and other moms. She explains the energy and tendencies of different Enneagram types—from aggressive and dominant types to dependent and withdrawing types—and how understanding these patterns can bring unity instead of conflict. Parenting is never easy, and mistakes are inevitable, but Suzanne emphasizes that grace covers our shortcomings. By using the Enneagram as a tool, we can parent with more awareness, respond with empathy, and honor our own authentic selves while guiding our children with love. Here is some of what we cover: Enneagram Types as Animals: Ones are Worker Bees, Twos are Kangaroos, Threes are Eagles, Fours are Butterflies, Fives are Owls, Sixes are Bunny Rabbits, Sevens are Monkeys, Eights are Lions, and Nines are Turtles. Grace covers the places we fall short Set appropriate priorities: You can't do it all. Be mindful in child-centered families: When the focus is entirely on the children, much can get overlooked, and it often reflects a broader cultural expectation. Connect with Suzanne Stabile: Instagram: Suzanne Stabile (@suzannestabile) Website: The Enneagram Godmother Facebook: Suzanne Stabile | Facebook Links Mentioned: The Road Back to You: By Suzanne Stabile The Journey Toward Wholeness: By Suzanne Stabile Related Episodes: How God Personally Pursues and Redeems :: Jenn Jett [Ep 193] Enneagram and Stress :: Ian Cron Recap [Bonus Episode] The Enneagram, Marriage and the Gospel :: Beth McCord [Ep 259] Featured Sponsors: Green Chef: Head to Greenchef.com/50ALONE and use code 50ALONE to get fifty percent off your first month then 20 percent off for two months with free shipping. Cove: Make protecting your home a top priority. Check out Cove at covesmart.com/DMA or use code DMA at checkout for up to 60% off your first order! And if you get a survey, please let them know you heard about Cove from this podcast. Thrive Causemetics: Amplify your Spring look with Thrive Causemetics. Go to thrivecausemetics.com/DMA for an exclusive offer of 20% off your first order.
Is the stock market topping — or just catching its breath? This week, equity markets face a triple threat: an Iranian strike rattling geopolitical risk assets, an Anthropic AI capability announcement that hammered IBM, CrowdStrike, financials, and SaaS stocks, and a technical picture showing the S&P 500 slipping below both its 20- and 50-day moving averages. Lance Roberts breaks down the bull and bear case in full. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer Rate us on Google: https://bit.ly/4b9JtEo 0:00 - INTRO 1:05 - Market Over Reaction to Iran Hits? 6:54 - The Potential for Building a Market Topping 13:27 - Impact of Oil Prices on Inflation 18:11 - The Energy Stocks Heat Map 20:40 - The Iran Situation 23:03 - Gauging the Risk 24:56 - The Bearish Scenario 29:23 - The Bullish Scenario 37:04 - What We're Doing Now 39:08 - Be Cautious With Positioning 42:12 - Coming Attractions ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/m3M6saceH5g?feature=share ------- Watch our previous show, "Cut Your Medicare Bill in 2026 | IRMAA Appeal Secrets" here: https://youtube.com/live/dO3QPhf0rEs?feature=share -------- The latest installment of our new feature, Before the Bell, "Will Markets Hold 100-DMA?" is here: https://youtu.be/h0iV2DpbEq4 ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #PreMarket #StockMarketToday #MarketAnalysis #CrudeOil #BondMarket #StockMarket2026 #MarketTop #SP500Analysis #IranGeopolitics #AIStocks
Markets are at a critical level — here's what to watch before the open. The S&P is sitting on 100-day moving average support after three weeks of testing, and futures point to a ~1% gap down at the open. The key question: do markets close below the 100-DMA and confirm a topping process — or do bulls recover into the close? In this pre-market breakdown:
Is the stock market topping — or just catching its breath? This week, equity markets face a triple threat: an Iranian strike rattling geopolitical risk assets, an Anthropic AI capability announcement that hammered IBM, CrowdStrike, financials, and SaaS stocks, and a technical picture showing the S&P 500 slipping below both its 20- and 50-day moving averages. Lance Roberts breaks down the bull and bear case in full. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer Rate us on Google: https://bit.ly/4b9JtEo 0:00 - INTRO 1:05 - Market Over Reaction to Iran Hits? 6:54 - The Potential for Building a Market Topping 13:27 - Impact of Oil Prices on Inflation 18:11 - The Energy Stocks Heat Map 20:40 - The Iran Situation 23:03 - Gauging the Risk 24:56 - The Bearish Scenario 29:23 - The Bullish Scenario 37:04 - What We're Doing Now 39:08 - Be Cautious With Positioning 42:12 - Coming Attractions ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/m3M6saceH5g?feature=share ------- Watch our previous show, "Cut Your Medicare Bill in 2026 | IRMAA Appeal Secrets" here: https://youtube.com/live/dO3QPhf0rEs?feature=share -------- The latest installment of our new feature, Before the Bell, "Will Markets Hold 100-DMA?" is here: https://youtu.be/h0iV2DpbEq4 ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #PreMarket #StockMarketToday #MarketAnalysis #CrudeOil #BondMarket #StockMarket2026 #MarketTop #SP500Analysis #IranGeopolitics #AIStocks
Markets are carving a rolling top while holding firm support near the 100-DMA. The last week-plus has been choppy, with price repeatedly capped below the 20- and 50-DMAs. Tuesday's dip to the 100-DMA brought in buyers, pushing the market back toward the 50-DMA, and futures are higher this morning. If the market can close up around 0.25%, it could reclaim near-term resistance and set up a move back toward prior highs. But this remains a fickle, range-bound tape—so keep risk management tight. A clean break below the 100-DMA raises the odds of a quick 3%–5% downside move. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/tiE6S1qaBn0 --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Rate us on Google: https://bit.ly/4b9JtEo --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #MarketOutlook #TechnicalAnalysis #RiskManagement
Most investors don't realize how quickly a good plan can get derailed by one bad question: "What will your investments return this year?" Lance Roberts and Jonathan Penn break down why asking an advisor for short-term performance predictions is usually the wrong framework—especially when comparisons start with "Can you beat Treasuries this year?" Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:50 - E-books & Economic Data 2:53 - Will AI Lead to Next Period of Financial Instability? 5:33 - Market Fails at 20- 50-DMA 11:10 - Chasing Returns in 2026 12:31 - Index's Substitution Effect 16:39 - What About the Flat Market? 19:20 - Where Returns Come From... 23:07 - Generating 6% Return w Bonds Only? 27:38 - Making Money vs Keeping It 29:05 - Money is Emotional 30:43 - What Do You Do w Your $1Million? 34:17 - Markets Have Been Easy 35:46 - Markets' Extreme Deviations 40:50 - Mistakes In Chasing Benchmarks 43:24 - Why Root for Economic Failure? 45:22 - Set a Goal & Manage Risk ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/iN9Pv2Thvbo ------- Watch our previous show, "Is China Really Dumping U.S. Treasuries?," here: https://youtube.com/live/fEk6rYGzFkA?feature=share -------- The latest installment of our new feature, Before the Bell, "100-DMA Test: 5% Pullback Risk Rising," is here: https://youtu.be/FfqIQklIxcc ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #MarketOutlook #Investing #RiskManagement #FinancialPlanning #InvestingEducation #BehavioralFinance #RiskManagement #WealthProtection
OpenAI korrigiert seine Umsatzerwartungen erneut nach oben: $284 Mrd. bis 2030, davon $150 Mrd. aus dem Consumer-Geschäft . Anthropic meldet massive Destillationsangriffe chinesischer Modellbetreiber mit bis zu 24.000 Fake-Accounts, während DeepSeek laut Reuters auf Nvidias Blackwell-Chips trainiert – angeblich in Data Centern in der Mongolei. Bernie Sanders fordert nach Gesprächen mit KI-CEOs ein Moratorium. Der virale Citrini-Research-Artikel "The 2028 Global Intelligence Crisis" beschreibt ein Doom-Szenario für SaaS und löst einen realen Kursrutsch bei ServiceNow, DoorDash und Cloudflare aus. Das DHS baut eine behördenübergreifende biometrische Datenbank. OpenAI-Mitarbeiter erkannten Warnsignale in der Chat-Historie einer kanadischen Amokläuferin, meldeten sie aber nicht an Behörden. Open-Source-Projekte kämpfen mit AI-Slop-Commits, Cerebras wagt einen zweiten IPO-Anlauf. Trump bedroht Netflix wegen Board-Mitglied Susan Rice, Musks Super PAC verstößt gegen das Wahlrecht in Georgia. Das Pentagon arbeitet mit Google, OpenAI und XAI ohne Guardrails. Unterstütze unseren Podcast und entdecke die Angebote unserer Werbepartner auf doppelgaenger.io/werbung. Vielen Dank! Philipp Glöckler und Philipp Klöckner sprechen heute über: (00:00:00) Intro (00:09:15) OpenAI Umsatzziel Anpassung (00:23:15) China destilliert Claude mit 24.000 Fake-Accounts (00:35:13) Citrini Research: The 2028 Global Intelligence Crisis (00:57:40) LinkedIn-Verifizierung: Was Persona mit deinen Daten macht (01:04:20) DHS baut biometrische Mega-Datenbank (01:08:50) OpenAI: Warnsignale vor Amoklauf nicht gemeldet (01:13:30) AI-Slop in Open Source und Cerebras IPO (01:19:07) Trump droht Netflix und Musks Wahlrechtsverstoß in Georgia (01:25:00) Waymo vs. Tesla und Pentagon ohne Guardrails (01:30:30) Trump-Regierung gegen europäische NGOs und DMA (01:32:57) Binance: $1,7 Mrd. Iran-Transaktionen, Whistleblower gefeuert (01:37:37) Steven Bartlett und Christian Angermayer (01:44:04) DJI-Saugroboter-Hack Shownotes OpenAI resets spending expectations, tells investors compute target is around $600 billion by 2030 - cnbc.com Anthropic beschuldigt chinesische Firmen, Daten von Claude zu stehlen. - wsj.com China nutzte Nvidia-Chip für KI-Modell trotz US-Verbot. - reuters.com Sanders warnt vor unkontrollierter Geschwindigkeit der KI-Revolution. - theguardian.com Post von pitdesi - x.com LinkedIn-Identität verifiziert - thelocalstack.eu DHS Search Engine - wired OpenAI-Mitarbeiter warnten Monate zuvor vor Kanadaschützen. - wsj.com Für Open-Source-Programme sind KI-Codierungswerkzeuge ein zweischneidiges Schwert. - techcrunch.com Cerebras Files Confidentially For a U.S. IPO - theinformation.com Trump droht Netflix wegen Rice im Vorstand Konsequenzen an. - bloomberg.com Trump sagt, Netflix wird 'Konsequenzen tragen', wenn Susan Rice bleibt. - theverge.com Georgia sagt, Elon Musks America PAC verletzte Wahlgesetz. - theverge.com Tesla Waymo - wired Musks xAI und Pentagon vereinbaren Nutzung von Grok in Geheimdiensten - axios.com Trump-Verbündete zielen auf europäische NGOs wegen Big-Tech-Regeln. - ftm.eu Binance Employees Find $1.7 Billion in Crypto Was Sent to Iranian Entities - nytimes.com Von Dragons' Den zu Disney: Steven Bartlett sammelt achtstellige Summe. - eu-startups.com Meta-Direktorin für KI-Sicherheit gab OpenClaw-Bot vollen Zugriff. - x.com DJI Romo mit Xbox-Controller. - x.com
In part three of my School Choice Series, I sit down with my friend Emily Fenlaw to talk about all things public school. With four children who have experienced everything from traditional public school to the talented and gifted program, an all-girls school, and an arts-focused school, Emily has navigated the many options and transitions that public education can offer.She also shares candidly about parenting children with ADHD — walking through 504 plans, medication decisions, and the ongoing process of learning how to support executive functioning at home. Through it all she learned to be a student of her child to discover the best path for them. My hope with this series is to share a variety of school choice stories so you can hear different experiences and perspectives. As you listen, I encourage you to pray and seek God's guidance, asking Him to bring to mind exactly what you need to know for your family's journey. Trust Him to walk hand in hand with you, year by year, as you make decisions and navigate each step of your children's education. Here is some of what we cover: The beauty of building relationships with families from all walks of life How introverts and extroverts can uniquely flourish in public school environments You can only make the best decision you can with the information you have The challenges of public school and navigating relationships with other parents Connect with Emily Fenlaw: Instagram: @EmFenlaw Get notified when her tshirt business launches Related Episodes: School Choice Series: Private to Public School with Misty Persefield:: [Ep 560] School Choice Series: Homeschool to Private School with Kris Habashy :: [Ep 559] The School of Dependency on Christ :: Wendy Speake [Ep 240] Featured Sponsors: Inspire Bible for Kids: The latest Bible in the bestselling Inspire Bible line, packed with activities for boys and girls ages 7 to 12. With over 400 ready-to-color line-art illustrations, wide margins for creativity, devotional readings and trivia questions, journaling prompts, memory verse prompts, fun facts–and more–all to bring God's Word to life for young hearts. Discover more at www.InspireBibleforKids.com Barefaced: If you want to see results and find a skincare routine you'll actually stick to, this is where I recommend starting. Head to barefaced.com and use code DMA for 15% off at checkout plus free shipping. Barefaced: less steps, better skin. Cozy Earth: Discover how care in every detail transforms simple routines into moments of true comfort and ease. Head to cozyearth.com and use my code DMA for up to 20% off.
Markets pushed higher Wednesday morning and ran straight into a key technical "traffic jam" as the 20-day and 50-day moving averages converged near the same level. Late-day selling pulled prices back toward the 50-DMA, and with futures slightly lower this morning, the big question is whether buyers step back in—or whether we start to see a more routine digestion of gains. The bigger tell right now may be the Dow Jones Industrial Average. The Dow has notched nine consecutive months of gains, a streak that's historically rare over long market history. When runs like this extend, it doesn't automatically signal a crash—but it does increase the odds of corrective action. If a Dow pullback shows up, it can easily spill into the S&P 500 and NASDAQ through sentiment and positioning. Breadth is improving, with roughly 65% of S&P 500 stocks trading above their moving averages. That's supportive for trend health—yet it's also a double-edged sword. When participation rises broadly, markets can correct broadly as well, even if the primary trend remains intact. Bottom line: we're not talking about a major breakdown. But a 3–5% pullback would be completely normal given the Dow's extended run and the market's proximity to key moving averages. That's why this is a good window to take partial profits, rebalance risk, and maintain discipline. If/when a pullback arrives, it can create a more favorable entry point to put that capital back to work. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV --- Watch the Video version of this report on our YouTube channel: https://youtu.be/zor3I7w1wLA --- Articles mentioned in this report: "Market Sector Review: Extreme Market Bifurcation" https://realinvestmentadvice.com/resources/blog/market-sector-review-extreme-market-bifurcation/ "Calm Market Waters Hide Fierce Undercurrents" https://realinvestmentadvice.com/resources/blog/calm-market-waters-hide-fierce-undercurrents/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #DowJones #TechnicalAnalysis #InvestingStrategy
Markets tested the 100-day moving average (100-DMA) and buyers stepped in—exactly where many systematic and algorithmic strategies tend to respond. Futures are pointing higher this morning, but that doesn't automatically mean the selloff is finished. Momentum remains weak and the market is still on a sell signal, which often sets up a choppy, range-bound environment without a clear catalyst. We also discuss why "chasing winners" can get dangerous late in an extended run—highlighted by Walmart's sharp drop after a strong advance. In commodities, crude oil is trying to stabilize, but remains on a sell signal at elevated levels. If support near ~$62 fails, the next downside zone could pull oil into the mid-to-high $50s—potentially helping inflation prints while pressuring Energy stocks. Energy sector momentum is stretched and nearing a sell signal from a high level. If you've been riding Energy higher, this may be a prudent window to rebalance risk and harvest gains—rather than waiting for the market to do it for you. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV --- Watch the Video version of this report on our YouTube channel: https://youtu.be/EJVtzKwAMG4 --- Articles mentioned in this report: "Market Sector Review: Extreme Market Bifurcation" https://realinvestmentadvice.com/resources/blog/market-sector-review-extreme-market-bifurcation/ "Calm Market Waters Hide Fierce Undercurrents" https://realinvestmentadvice.com/resources/blog/calm-market-waters-hide-fierce-undercurrents/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #TechnicalAnalysis #MovingAverages #EnergyStocks
It's Q&A Wednesday—your questions drive the show. Lance Roberts & Danny Ratliff break down what's moving markets right now, key economic and Fed signals to watch this week, and the practical portfolio decisions that matter most (risk, allocations, income, taxes, and retirement timing). Drop your question in the live chatroom and we'll tackle as many as we can. Topics we often cover: market volatility & trend levels, rates/inflation, sector rotation, retirement income, tax strategy, ETFs vs. individual bonds, and avoiding emotional decision-making. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:19 - Wrapping Earnings Season w Highest Revenue Growth Ever 4:38 - Markets Bounce off 100-DMA 6:47 - What's Next for Crude Oil & Energy Stocks? 9:40 - How Much Money is "Enough" to Retire On? 17:48 - Study: Coffee & Dementia 19:06 - Work Benefits vs Medicare 20:41 - Capital Allocation in Current Markets 23:19 - How to Plan for 2027 25:14 - Bloom Energy & Fuel Cell Tech 26:21 - Price Floor Effects on Trading, Employment & Metals 29:56 - Extended Car Warranty Pros & Cons 31:27 - How Much Trust in Forward Guidance? 32:55 - Is Palantir Over Sold? (Yes) 33:35 - Datacenter Rage vs Fiber Optics 35:00 - Corporate Stock Buy Backs vs AI Cap-Ex Spending 35:54 - Planning to Retire at 56 36:52 - Should You Wait Until 74 for Social Security? 39:09 - Market Rotation Velocity 40:28 - Coming Attractions ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/3xyx42x5s44 ------- Articles Mentioned in Today's Show: "Seasonality: Buy Signal And Investing Outcomes" https://realinvestmentadvice.com/resources/blog/seasonality-buy-signal-and-investing-outcomes/ "Technology Stocks: Dead Or An Opportunity?" https://realinvestmentadvice.com/resources/blog/technology-stocks-dead-or-an-opportunity/ ------- Watch our previous show, "Bank, Brokerage, or Corporate Trustee? (It's a Matter of Trust)," here: https://youtube.com/live/MU8qVbSiqxY?feature=share -------- The latest installment of our new feature, Before the Bell, "1100-DMA Bounce: Range-Bound Markets & Energy Risk," is here: https://youtu.be/EJVtzKwAMG4 ------- Visit our E-book Library (no library card required!) https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #TechnicalAnalysis #MovingAverages #EnergyStocks #QandAWednesday #MarketOutlook #PortfolioRisk #RetirementPlanning #InvestingEducation
Markets held the 100-DMA on Friday, but that support is in focus again today. The bigger issue is a negative divergence: price has risen while momentum and relative strength have faded. If the 100-DMA breaks, the next key level is the 200-DMA near 6,650—so stay disciplined on allocations, concentration, and risk. Breadth is improving: the gap between market-cap and equal-weight has narrowed, and equal-weight has led over the past six months. Energy, Utilities, Industrials, and Materials have been driving gains, but several are getting extended—take profits and rebalance where needed. Also watch Technology: it's oversold, and even a modest rebound could quickly shift leadership back toward mega-cap performance. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV --- Watch the Video version of this report on our YouTube channel: https://youtu.be/Qkkl5m8hY7w --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarketUpdate #SP500 #TechnicalAnalysis #RiskManagement #MarketRotation
Choosing a corporate trustee is one of the most important decisions in estate planning—especially if you're naming a bank, brokerage trust department, or independent trust company to manage assets and carry out your wishes after you're gone. Lance Roberts & Jon Penn break down how to compare corporate trustees beyond just "lowest fees," including fiduciary standards, investment flexibility, service model, administrative capabilities, distribution discipline, technology/reporting, continuity, and how they handle family dynamics. We also cover the key differences between revocable and irrevocable trusts, including where each is typically used, how control and flexibility change, and why trustee selection matters even more once a trust becomes irrevocable. Finally, we explain Trust Protectors—what they do, why they can be a critical safeguard, and how they may help your beneficiaries replace a trustee later if service, philosophy, or circumstances change. For educational purposes only. This discussion is general in nature and not individualized legal, tax, or investment advice—talk with your estate attorney and tax professional to apply these concepts to your situation. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:19 - Bifurcated Markets - Over Sold, Over Bought 3:09 - Markets Challenge 100-DMA 7:57 - The Danger in Overlooking the Importance of Trusts 11:21 - Don't Scrimp on Speedo's or Estate Plans 14:24 - Where There's a Will... 17:51 - Medical, Durable Powers of Attorney 20:26 - The Parties to a Trust 23:45 - Setting Up the Trust 29:34 - Wills vs Beneficiary Directions 32:00 - Who Do You Designate as Trustee? 36:27 - Choosing the Right Corporate Trustee 39:20 - Estate Taxes & Exemptions 40:55 - Passing Assets to Children Who Marry & Divorce 43:51 - Legal Zoom & On Line Platforms 46:15 - Trust Protectors 47:39 - The Cost of Setting Up a Trust 52:54 - What is Required to Change a Trust Company? ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/MU8qVbSiqxY?feature=share ------- Articles Mentioned in Today's Show: "Seasonality: Buy Signal And Investing Outcomes" https://realinvestmentadvice.com/resources/blog/seasonality-buy-signal-and-investing-outcomes/ "Technology Stocks: Dead Or An Opportunity?" https://realinvestmentadvice.com/resources/blog/technology-stocks-dead-or-an-opportunity/ ------- Watch our previous show, "Margin Debt & the One-Stock Myth," here: https://youtube.com/live/MU8qVbSiqxY?feature=share -------- The latest installment of our new feature, Before the Bell, "100-DMA Test - Momentum Fades, Rotation Shifts," is here: https://youtu.be/Qkkl5m8hY7w ------- Visit our E-book Library (no library card required!) https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarketUpdate #SP500 #TechnicalAnalysis #RiskManagement #MarketRotation #EstatePlanning #Trusts #Trustee #WealthManagement #FinancialPlanning
In part two of my School Choice Series, I sit down with Misty Persefield, a mom of three, to talk candidly about navigating school choice from the early years through high school. Misty shares her family's journey through private and public schools, the fears she faced, and the peace that came from trusting God rather than comparing herself to others. This conversation offers reassurance for moms carrying the weight of making the “right” educational choices and highlights the importance of keeping fear out of the decision-making process.My hope with this series is to share a variety of school choice stories so you can hear different experiences and perspectives. As you listen, I encourage you to pray and seek God's guidance, asking Him to bring to mind exactly what you need to know for your family's journey. Trust Him to walk hand in hand with you, year by year, as you make decisions and navigate each step of your children's education. Here is some of what we cover: Challenges of private school, including finances and high expectations The importance of knowing yourself, your child, and your family culture Pivoting from private to public school for high school Starting kids early vs. late, especially for boys based on birthdays Preparing kids for college by “taking off the bubble wrap” while they're still at home Connect with Misty Persefield: Instagram: Misty Persefield (@mistypersefield) Website: Marketing Agency | Misty Persefield Marketing and Media Related Episodes: Shame, Perfectionism and Smiling Depression :: Misty Persefield and Stephanie Coker [Ep 154] School Choice Series: Homeschool to Private School with Kris Habashy :: [Ep 559] Confidence in Parenting Decisions :: Laura Wifler [Ep 497] Featured Sponsors: Cove: Make protecting your home a top priority. Check out Cove at covesmart.com/DMA or use code DMA at checkout for up to 70% off your first order! And if you get a survey, please let them know you heard about Cove from this podcast. Raising Daughters by September McCarthy: Most moms don't need more advice—they need reassurance. If you've ever walked away from a conversation with your daughter thinking, I said that all wrong, this book is for you. We're raising girls in a world that's loud, confusing, and constantly redefining womanhood. And before we can guide our daughters, we have to remember who we are in Christ. Raising Daughters meets you right where you are and gives you one faithful next step at a time—because raising daughters is holy work. It takes grit, grace, and guidance, and you'll find all three here. Grab a copy here. Wayfair: Get organized, refreshed, and back on track this new year for WAY less. Head to Wayfair.com right now to shop all things home. Wayfair. Every style. Every home.
In episode one of my School Choice Series, Kris Habashy shares her family's journey from homeschooling to Christian private education. From navigating dyslexia to the challenges of transitioning middle schoolers, Kris offers a heartfelt, honest look at the joys, struggles, and unexpected growth that come with trusting God in your educational choices.My hope with this series is to share a variety of school choice stories so you can hear different experiences and perspectives. As you listen, I encourage you to pray and seek God's guidance, asking Him to bring to mind exactly what you need to know for your family's journey. Trust Him to walk hand in hand with you, year by year, as you make decisions and navigate each step of your children's education. Here is some of what we cover: Why Kris initially chose to homeschool and how her personality and family dynamics played a role. The challenges of transitioning kids from homeschooling to private school — especially in middle school. The importance of nurturing your own growth as a mom while guiding your kids. Families navigating dyslexia, learning differences, or anxiety around school transitions. Connect with Kris Habashy: Instagram: (I don't see any SM for her, do you mind asking?) Facebook: Website: Stress management coaching for life's major moments Links Mentioned: Living Fearless: By Jamie WinshipRelated Episodes: Expect the Hard, Experience the Good :: Kris Habashy (part 1) Ep 34 Expect the Hard, Experience the Good (Part Two) :: Kris Habashy {Ep 35} Exchange False Beliefs with True Identity :: Jamie Winship [Ep 433] Featured Sponsors: Branch Basics: And here's the good news — Branch Basics is now available everywhere you shop: at Target, Target.com, Amazon, and of course, BranchBasics.com. Tossing the toxins has never been more convenient! And for anyone grabbing the Premium Starter Kit, you can still get 15% off at BranchBasics.com with our code [DMA]. Honeylove: Treat yourself to the most advanced bras and shapewear on the market. Use our exclusive link to save 20% off Honeylove at honeylove.com/DMA. Experience the new standard in comfort and support with Honeylove. Hiya Health: We've worked out a special deal with Hiya for their best selling children's vitamin. Receive 50% off your first order. To claim this deal you must go to hiyahealth.com/DMA. This deal is not available on their regular website. Get your kids the full-body nourishment they need to grow into healthy adults.
Markets sold off again Wednesday, closing right on the S&P 500's 50-day moving average (50-DMA). While the index is still riding its underlying support line and working off an overbought condition, the momentum trade has largely been wrung out. Despite the turbulence, the broader uptrend remains intact—just with a lot more internal rotation. Wednesday's damage was concentrated in mega-cap momentum and "growth leadership," while much of the rest of the market held up better. That matters because Value vs. Growth has become increasingly overextended over the last several sessions—conditions that often precede a mean-reversion move and create rotation trade opportunities. The NASDAQ is also telling a different story. It's broken down through the 20-, 50-, and 100-day moving averages during a consolidating/topping process and remains on a sell signal. However, after the persistent selling in Technology, the index is now extremely oversold. Historically, oversold extremes have often aligned with short-term bottoms and tradable reflex rallies—even if the bigger-picture backdrop stays choppy. Bottom line: a rotation back from Value into Growth over the coming days and weeks wouldn't be surprising. As investors, the goal isn't to chase what worked yesterday, but to watch for setups where price has moved too far, too fast—and where improving risk/reward can favor disciplined entries, position sizing, and clear stop/target levels. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV --- Watch the Video version of this report on our YouTube channel: https://youtu.be/IKsm6U2CK8w --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #MarketRotation #SP500 #NASDAQ #TechnicalAnalysis
Markets sold off sharply Tuesday, then bounced into the close—continuing a familiar pattern: when price tests the 50-day moving average (50-DMA), dip buyers step in. That's been working, but it's also how traders get trapped when the "buy-the-dip" playbook finally fails—so risk management matters. This morning, futures are pointing higher as the market tries to reclaim the 20-day moving average (20-DMA). Tuesday's weakness was concentrated in mega-cap tech (NVDA, MSFT, GOOGL), and early action suggests a bounce attempt. Meanwhile, the "heat map" continues to highlight rotation: value and defensives (WMT, COST, PG) plus energy have been outperforming while growth digests valuations. That rotation can persist, but value is getting overbought/overextended, raising the odds of a rotation back toward growth as we move through earnings season. Seasonally, February can be volatile, and we're watching the VIX closely as volatility's trendline remains elevated. Bottom line: expect choppy, sloppy trading—keep allocations disciplined, avoid chasing stretched moves, and stay focused on process over predictions. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV --- Watch the Video version of this report on our YouTube channel: https://youtu.be/EY04EexrThs --- Articles mentioned in this report: "Precious Metals Aren't Predicting Economic Collapse" https://realinvestmentadvice.com/resources/blog/precious-metals-arent-predicting-economic-collapse-draft/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #DipBuyers #BuyTheDip #SP500 #Premarket #RiskManagement
Adventures in kakeland - A podcast about running a cake business
Today is a guest episode where i am back in conversation with Cristina Arevalo from the Art cake coach podcast. We speak about her DMA award nomination, the boom of cake coaches and her new podcast No icing. It was a great conversation. Also in this episode i talk about the relaunch of my SBKB treat box and how i wanted to create more of an experience to my customers.Also whats been trending over the month of january in the cake world..If you would like to connect with Cristina you can find her on instagram and facebook book:The art cake coach instagramThe art cake coach facebookThe art cake coach podcastNo icing podcastIf you have a question or feedback about this episode you can message me here. Thank you for listeningYou can connect with me via:Instagram: Adventures in KakelandAdventures in kakeland studio: Creative projects, custom GPTs, books and resourcesPublished books for hobbyist and cake business owners. A food management system: for small home based food businesses Bake -cover-finish -deliver: undated Weekly baking planner Cake business order form book Cake business Social media planner Dated weekly cake business planner (2026) My Business social media channelsInstagram: Kake and CupkakeryFacebook: Kake and Cupkakery...
Parenting a spicy child can feel overwhelming, isolating, and exhausting, especially when traditional parenting advice just doesn't work. In this episode, Mary Van Geffen joins us to talk about what it really means to parent a strong-willed, spirited, intense child without losing yourself or crushing their spirit.So often, as moms, we unknowingly tie our identity and worth to how our children behave. When our kids are calm, compliant, or successful, we feel like we are doing a good job. When they are loud, explosive, or struggling, we internalize it as failure. Parenting a spicy child brings this tension to the surface and forces us to ask deeper questions about where our identity really comes from. This conversation invites moms to loosen their grip on performance-based parenting and remember that our value is not measured by our child's behavior, but by who we are and whose we are. Here is some of what we cover: How to stay connected to your child so you can guide them long-term A practical calm down recipe for flare-ups and explosive moments How to set boundaries without crushing your child's spirit Why you are not responsible for your child's happiness How to support the mild child in a family with a spicy sibling Connect with Mary Van Geffen: Instagram:
Markets delivered plenty of action Friday. The S&P 500 briefly broke below its 20-DMA but reversed higher, signaling that the broader uptrend remains intact despite rising volatility. Internally, markets continue to rotate—shifting between mega-cap growth and value—while staples have pushed toward overbought levels and technology has become increasingly oversold. We also explain the sharp moves in silver, gold, and oil. Commodity markets are driven by heavily leveraged futures positioning, and Friday's decline reflected an unwinding of leverage—not a fundamental shock. With margin requirements rising across precious metals, volatility is likely to remain elevated, reinforcing why disciplined risk management, rebalancing, and profit-taking matter—especially in commodities. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/Dt4z5fAB7jI --- Articles mentioned in this report: "Precious Metals Aren't Predicting Economic Collapse" https://realinvestmentadvice.com/resources/blog/precious-metals-arent-predicting-economic-collapse-draft/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarketToday #MarketVolatility #CommodityMarkets #RiskManagement #SP500
Cette semaine : procès contre les géants des réseaux sociaux aux US, action contre Android en UE, Facebook Actu bientôt de retour au Canada et concurrence déloyale au nom de la souveraineté en France.Avec Bruno Guglielminetti (Mon Carnet)Les réseaux sociaux face à la justice américaineLa justice américaine ouvre une série de procès visant les grandes plateformes accusées d'avoir des effets délétères sur la santé mentale des jeunes. Bruno Guglielminetti détaille les poursuites engagées contre Meta, propriétaire de Facebook et Instagram, tandis que TikTok et Snap ont conclu des accords à l'amiable hors cour. Ces procédures pourraient révéler des documents internes sensibles, notamment sur la connaissance par les plateformes des risques liés à leurs usages.Android et le DMA : l'Europe met Google sous pressionLa Commission européenne exige des changements profonds dans Android au nom du Digital Markets Act. Bruxelles veut forcer Google à ouvrir l'accès aux composants clés des smartphones, tant pour l'intelligence artificielle que pour les moteurs de recherche concurrents. Une bataille réglementaire de longue haleine qui rappelle les bras de fer déjà engagés avec Apple.Canada : Meta pourrait rouvrir l'accès aux contenus d'actualitéAu Canada, Meta avait bloqué le partage de contenus de presse en réaction à une loi imposant une rémunération des médias. Bruno Guglielminetti revient sur les conséquences concrètes de cette décision, notamment lors de situations d'urgence, et sur les discussions en cours entre Ottawa et Meta pour rétablir l'accès à l'information sur Facebook.La France développe sa propre visio : souveraineté ou concurrence déloyale ?L'État français lance une solution de visioconférence destinée à remplacer les outils américains dans l'administration. Jérôme Colombain analyse ce choix stratégique en matière de souveraineté numérique, mais aussi la colère des entreprises françaises du secteur, qui voient l'État devenir un concurrent direct avec une solution gratuite.-----------♥️ Soutien : https://mondenumerique.info/don
Ce mardi 27 janvier, François Sorel a reçu Frédéric Simottel, journaliste BFM Business, Didier Sanz, journaliste tech, et Frédéric Krebs, président de Krebs & Partners. Ils se sont penchés sur l'attaque de l'Europe à Google pour le forcer à ouvrir son IA et ses données à la concurrence depuis la mise en place du DMA, ainsi que Meta et YouTube devant la justice californienne pour un procès concernant la protection des mineurs, dans l'émission Tech & Co, la quotidienne, sur BFM Business. Retrouvez l'émission du lundi au jeudi et réécoutez-la en podcast.
*Republishing our most downloaded episodes, one a month this year*Whether you've been married for a few years or are approaching a milestone anniversary, a healthy marriage takes intentional work. Marriage isn't built in the big, dramatic moments, but in thousands of small habits and daily interactions that over time lead to either a God-honoring, joy-filled relationship—or one marked by strain and self-focus.Author and speaker Paul David Tripp joins me to talk about how those everyday habits shape our marriages and how to identify the ones that need to be uprooted. Drawing from nearly 50 years of marriage, Paul helps us see our relationships through the lens of the gospel.“A biblical view of marriage is a sinner married to a sinner in a fallen world—but with a faithful God. That means we can't coast. There are things in each of us that threaten our marriage, and we need God's grace every day.”My hope is that this conversation encourages you to re-engage your marriage with renewed faith and confidence in what God can do.What we talk about: How marriages are shaped by thousands of small moments Why daily habits matter more than big moments Identifying healthy and harmful marriage habits How sin turns us inward—and why marriage is a covenant of community Confession, forgiveness, and navigating conflict Unity vs. uniformity in marriage The role of the fruit of the Spirit in a thriving marriage Why isolation harms marriage and community helps heal it Connect with Paul David Tripp: Instagram: Paul David Tripp (@paultrippquotes) Facebook: Paul David Tripp Website: PaulTripp.com | Pastor. Author. Conference Speaker. Links Mentioned: Marriage: 6 Gospel Commitments Every Couple Needs to Make by Paul David Tripp Related Episodes: Hope for the Hopeless Marriage :: Kathy Bush [Ep 453] Building Strong Marriages :: Kimberly Beam Holmes [Ep 374] Rebuilding from an Abusive Marriage :: Jeni B [Ep 246] Featured Sponsors: Thrive Causemetics: Amplify Your Every Day. Go to thrivecausemetics.com/DMA for an exclusive offer of 20% off your first order. Cozy Earth: These viral pj's are so good they sold out during the holidays, and now they're back with an exclusive deal only available January 25th to February 8th. Head to cozyearth.com today and use my code DMABOGO to get these pj's for you and someone you love! And if you get a Post-Purchase Survey, be sure to mention you heard about Cozy Earth right here! Cash App: For a limited time, new Cash App customers can earn $10 if they use code FAMILY10 in their profile at signup and send $5 to a friend within 14 days. Terms apply. Cash App is a financial services platform, not a bank. Banking services provided by Cash App's bank partner(s). Prepaid debit cards issued by Sutton Bank, Member FDIC. Direct deposit and promotions provided by Cash App, a Block, Inc. brand. Visit cash.app/legal/podcast for full disclosures.
Markets are breaking down from a rising wedge pattern, triggering a short-term momentum sell signal. Downside targets include the 50-DMA near 6,810 and the 100-DMA around 6,720—both important support levels to monitor. A 2–5% pullback is not unusual and is part of the normal investing process. While selling pressure may continue for a few sessions as sellers move lower to meet buyers, this does not signal the start of a major market downturn. Tariff headlines may create short-term noise, but they do not materially alter forward earnings expectations for major U.S. companies or the broader economic outlook. This is why disciplined risk management—rebalancing, taking profits, and avoiding knee-jerk reactions—matters most during periods of volatility. Let the market work through the move, then reassess positioning once price action provides confirmation. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://www.youtube.com/watch?v=KS2mSWm16qg&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketVolatility #StockMarketUpdate #RiskManagement #MarketPullback #InvestorDiscipline
Are we living in the most anxious generation ever? In this powerful and hope-filled conversation, Max Lucado joins us to talk about anxiety, mental health, and the unseen struggles so many kids and teens are facing today—and what parents can do about it.With constant access to phones, social media, and nonstop information, anxiety often shows up sideways in our kids through anger, withdrawal, or fear. Max explains what's happening in the brain, why anxiety feels like an alarm that never shuts off, and how parents can become a soft place to land when emotions run high.We also talk about the importance of parents addressing anxiety in their own lives, how worry steals joy and peace, and why our presence (not perfection) is what God desires most. Max shares encouragement for praying parents, reminding us that Jesus never turned away a parent who asked for help for their child. Here is some of what we cover: Why today's kids are facing unprecedented levels of anxiety The physical and emotional toll of chronic worry Why a parent's physical presence matters more than we realize Max Lucado's personal faith journey and what God taught him about presence over performance Connect with Max Lucado: Instagram: Max Lucado (@maxlucado) Facebook: Max Lucado Website: Max Lucado Links Mentioned: Calm Thoughts for Kids: 90 devotions for Anxious Days Tame Your Thoughts: By Max Lucado Anxious for Nothing by Max Lucado Hermie Series–Buzby and the Grumble Bees **SIGN UP to Join Heather and Megan at Pro Love Saturday for Embrace Grace Related Episodes: Life Empowered by the Holy Spirit :: Max Lucado [Ep 381] You Are Never Alone :: Max Lucado [Ep 298] From Overwhelmed to Anchored: Replacing the Lies of Motherhood with God's Truth :: Erica Gwynn [Ep 544] Featured Sponsors: Cove : Make protecting your home one of your New Year's resolutions! Check out Cove at covesmart.com/DMA or use code DMA at checkout for up to 70% off your first order. Wayfair: Get organized, refreshed, and back on track this new year for WAY less. Head to Wayfair.com right now to shop all things home. Every style. Every home. HiyaHealth: We've worked out a special deal with Hiya for their best selling children's vitamin. Receive 50% off your first order. To claim this deal you must go to hiyahealth.com/DMA. This deal is not available on their regular website. Get your kids the full-body nourishment they need to grow into healthy adults.
A inteligência artificial por voz está transformando a forma como as empresas operam e se relacionam com seus colaboradores e clientes - e o Start Eldorado desta semana mostra um pouco dos desafios como escala, agilidade e personalização na implementação de soluções que combinam speech-to-text, text-to-speech, análise de intenção e IA generativa. Essa adoção tem diferentes fases, desde projetos piloto para consolidação de dados e treinamento das máquinas, até entregar resultados como mais eficiência, melhor experiência do cliente e possibilitar decisões mais rápidas para os próprios negócios. Os próximos passos são claros: assistentes cada vez mais inteligentes, proativos e integrados à jornada dos colaboradores e consumidores. Para falar dessa aplicação em uma grande empresa que atende 6 milhões de pessoas, cada qual com sua jornada e suas demandas, o apresentador Daniel Gonzales recebe Alessandra Schwab, Digital Customer Care Senior Manager Latam da Natura, e Flávia Polo Nassif, CEO da DMA. O Start vai ao ar todas as quartas-feiras, às 21h, na Rádio Eldorado FM (107,3) para toda a Grande SP, além do app, site e assistentes de voz, e depois pode ser ouvido pelas plataformas digitais como podcast.See omnystudio.com/listener for privacy information.
My friend and Sidetracked podcast co-host, Cynthia Yanof, joins me to discuss her new book, How'd I Miss That?Cynthia shares hilarious and poignant stories about family and kids that help uncover deeper truths—reminding us that God has a plan, and there's no formula for this parenting journey. We often stress over things that feel big at the moment, like preschool registration or making the “right” sports team, but what really matters is having an eternal perspective—focusing on who our kids are becoming at 25 and who we are becoming as parents. In this episode, we talk about: How to pray audacious, faith-filled prayers over our kids Trusting the process, even when it doesn't make sense in the moment Why not all friendships are meant for every season of parenting—and being intentional about your inner circle And we wrap up with some fun hosting tips from Cynthia Connect with Cynthia Yanof: Instagram: Cynthia Wilkinson Yanof (@cynthiayanof) Website: Cynthia Yanof Links Mentioned: How'd I Miss That?: By Cynthia Yanof Sidetracked - Podcast - Apple Podcasts Draw the Circle: By Mark Batterson Pre-order Cynthia's book and then fill out this form to join us LIVE on Jan 27th at 7:30 pm CST Related Episodes: The Goal Isn't Happy Children :: Cynthia Yanof – Summer of Mentorship – Wk 6 [Ep 419] The Unicorn That is Adult Friendship :: Cynthia Yanof – Summer of Mentorship – Wk 3 [Ep 416] Raising Kids Who Can Stand Alone :: Cynthia Yanof -Summer of Mentorship-Wk 2 [Ep 415] Featured Sponsors: BUBS Naturals: Live Better Longer and kick 2026 off the right way! BUBS is running a HUGE New Year New You sale PLUS for a limited time only, our listeners are getting 20% OFF at BUBS Naturals by using code [DMA] at checkout. Bubsnaturals.com Branch Basics: And here's the good news — Branch Basics is now available everywhere you shop: at Target, Target.com, Amazon, and of course, BranchBasics.com Tossing the toxins has never been more convenient! And for anyone grabbing the Premium Starter Kit, you can still get 15% off at BranchBasics.com with our code [DMA]. Thrive Causemetics: Amplify Your Every Day. Go to thrivecausemetics.com/DMA for an exclusive offer of 20% off your first order.
The MacVoices Live! panel discusses reports of U.S. restrictions affecting foreign-made drones and the impact on DJI users, an Italian fine against Apple tied to app tracking prompts and privacy expectations, and talk of possible U.S. retaliation over EU tech enforcement. Along the way, the group vents Festivus-style grievances and debates privacy, evidence, and motive. Participants include Chuck Joiner, David Ginsburg, Brian Flanigan-Arthurs, Eric Bolden, Marty Jencius, Mark Fuccio, Web Bixby, and Jim Rea. MacVoices is supported by CleanMyMac from MacPaw. Get Tidy Today! Try 7 days free and use my code MACVOICES20 for 20% off at http://clnmy.com/MACVOICES. MacVoices is supported by Squarespace. Check out https://www.squarespace.com/MACVOICES to save 10% off your first purchase of a website or domain using offer code MACVOICES. Show Notes: Chapters: 00:00 Opening: drones, Italian fine, retaliation 00:50 Festive panel intros and holiday banter 07:12 Drone news: U.S. restrictions and DJI concerns 10:44 FCC approvals vs existing drones; supply/import issues discussed 20:40 Italy fines Apple over app privacy/tracking prompts 23:05 Interpreting the case: reporting gaps and EU regulatory culture 28:41 U.S. retaliation threats over EU DMA/DSA enforcement 35:07 Chat room question: privacy preferences and tracking tolerance 36:35 Wrap-up and credits Links: US bans new foreign drone models in a blow to Chinese giant DJI https://www.cnn.com/2025/12/23/business/us-ban-foreign-drones-dji-intl-hnk Apple fined $116 million over app privacy prompts https://www.theverge.com/news/849528/apple-italy-antitrust-fine-att-app-privacy Economic forecast for Italy https://economy-finance.ec.europa.eu/economic-surveillance-eu-member-states/country-pages/italy/economic-forecast-italy_en Trump Administration Threatens Retaliation Over EU's DMA and DSA Enforcement Against U.S. Tech https://www.macrumors.com/2025/12/16/trump-admin-eu-dma-retaliation/ Guests: Web Bixby has been in the insurance business for 40 years and has been an Apple user for longer than that.You can catch up with him on Facebook, Twitter, and LinkedIn, but prefers Bluesky. Brian Flanigan-Arthurs is an educator with a passion for providing results-driven, innovative learning strategies for all students, but particularly those who are at-risk. He is also a tech enthusiast who has a particular affinity for Apple since he first used the Apple IIGS as a student. You can contact Brian on twitter as @brian8944. He also recently opened a Mastodon account at @brian8944@mastodon.cloud. Mark Fuccio is actively involved in high tech startup companies, both as a principle at piqsure.com, or as a marketing advisor through his consulting practice Tactics Sells High Tech, Inc. Mark was a proud investor in Microsoft from the mid-1990's selling in mid 2000, and hopes one day that MSFT will be again an attractive investment. You can contact Mark through Twitter, LinkedIn, or on Mastodon. David Ginsburg is the host of the weekly podcast In Touch With iOS where he discusses all things iOS, iPhone, iPad, Apple TV, Apple Watch, and related technologies. He is an IT professional supporting Mac, iOS and Windows users. Visit his YouTube channel at https://youtube.com/daveg65 and find and follow him on Twitter @daveg65 and on Mastodon at @daveg65@mastodon.cloud. Dr. Marty Jencius has been an Associate Professor of Counseling at Kent State University since 2000. He has over 120 publications in books, chapters, journal articles, and others, along with 200 podcasts related to counseling, counselor education, and faculty life. His technology interest led him to develop the counseling profession ‘firsts,' including listservs, a web-based peer-reviewed journal, The Journal of Technology in Counseling, teaching and conferencing in virtual worlds as the founder of Counselor Education in Second Life, and podcast founder/producer of CounselorAudioSource.net and ThePodTalk.net. Currently, he produces a podcast about counseling and life questions, the Circular Firing Squad, and digital video interviews with legacies capturing the history of the counseling field. This is also co-host of The Vision ProFiles podcast. Generally, Marty is chasing the newest tech trends, which explains his interest in A.I. for teaching, research, and productivity. Marty is an active presenter and past president of the NorthEast Ohio Apple Corp (NEOAC). Jim Rea built his own computer from scratch in 1975, started programming in 1977, and has been an independent Mac developer continuously since 1984. He is the founder of ProVUE Development, and the author of Panorama X, ProVUE's ultra fast RAM based database software for the macOS platform. He's been a speaker at MacTech, MacWorld Expo and other industry conferences. Follow Jim at provue.com and via @provuejim@techhub.social on Mastodon. Support: Become a MacVoices Patron on Patreon http://patreon.com/macvoices Enjoy this episode? Make a one-time donation with PayPal Connect: Web: http://macvoices.com Twitter: http://www.twitter.com/chuckjoiner http://www.twitter.com/macvoices Mastodon: https://mastodon.cloud/@chuckjoiner Facebook: http://www.facebook.com/chuck.joiner MacVoices Page on Facebook: http://www.facebook.com/macvoices/ MacVoices Group on Facebook: http://www.facebook.com/groups/macvoice LinkedIn: https://www.linkedin.com/in/chuckjoiner/ Instagram: https://www.instagram.com/chuckjoiner/ Subscribe: Audio in iTunes Video in iTunes Subscribe manually via iTunes or any podcatcher: Audio: http://www.macvoices.com/rss/macvoicesrss Video: http://www.macvoices.com/rss/macvoicesvideorss
Moms, life throws us into so many conversations every day… Talking with our kids, navigating our husband's work party, connecting with other moms, or building our own friendship. All of these moments show who we are and how we communicate. Today, Debra Fileta, counselor, author, and podcaster, joins me to share practical tips on how to communicate effectively with friends, family, and loved ones. In our tech-driven world, we've lost many opportunities for genuine connection, and often we don't realize how we come across when meeting new people or entering a room full of strangers. Debra shares insights from her new book, People Skills, to help us connect in deeper, more authentic ways. Here's some of what we cover: Relationships and people skills: The strength of your relationships depends on the skills you bring into them. Communication matters: In a tech-driven world, real-life interactions with tone, body language, and facial expressions are more important than ever. Understanding communication styles: Learn the four types—assertive, aggressive, passive, passive-aggressive—and how to navigate them. Practical tips for being a great conversationalist: Honor your story, honor theirs, and create space for give-and-take in relationships. Connect with Debra Fileta: Instagram: Debra Fileta Facebook: Debra Fileta Truelovedates.com Website: Debra Fileta, M.A. LPC (@debrafileta) Links Mentioned: Soul Care: By Debra Fileta People Skills: By Debra Fileta Talk To Me: The Debra Fileta Podcast Related Episodes: When Friendships Get Messy: Healing, Humor and Finding Your Chicken-Fried Women :: Melissa Radke [Ep 519] Important Topics to Cover with Tweens and Teens about Manners, Technology and Friendship :: Lee Cordon [Ep 408] Helping Our Kids Foster Friendships :: David Thomas and Sissy Goff [Ep 338] Featured Sponsors: Honeylove: Treat yourself to the most advanced bras and shapewear on the market. Use our exclusive link to save 20% off Honeylove at honeylove.com/DMA. Cove: Make protecting your home one of your New Year's resolutions. Check out Cove at covesmart.com, use code DMA for an additional 10% off your first order —easy, affordable, and peace of mind guaranteed. Green Chef: Go to Greenchef.com/ALONEGRAZA use the code ALONEGRAZA to get started with 50% off Green Chef + FREE Graza Olive Oil Set in your 2nd and 3rd boxes. This 50% offer is only available for a limited time, so don't wait.
Recruiting on social sounds easy… until you try it. In this episode of HR Famous, Tim Sackett sits down with Sean Worden (CEO/Founder) and Katy Schuck (Co-Founder/COO) of Reelist to unpack why most TA teams struggle to hire through Facebook, Instagram, TikTok, and beyond, and what it actually takes to make social recruiting work in the real world. Sean starts with the big picture: Reelist makes it “ridiculously easy” to recruit off social by automating creative, running paid + organic campaigns, handling brand safety and compliance, messaging and screening candidates, and tying it all back to your ATS with real-time optimization. Then the conversation gets fun: Reelist didn't start there. It began as a “TikTok for jobs” concept (think video-based matching)… until they realized it was turning into a job board with extra steps. The pivot? Build the infrastructure that helps employers recruit where people already are on their phones while scrolling. Tim pushes into the questions every TA leader asks: Which channel works best for in-person roles? The answer isn't a generic “TikTok!” It depends on geography and density. For rural and small-town hiring, Sean breaks down why Facebook and Instagram often outperform, while TikTok targeting can fall apart when it forces broad DMA-level reach that doesn't match “I need someone to drive 15 minutes to this plant.” Katy brings the strategy home with two essentials: awareness and action. Social ads aren't meant to impress your C-suite, they're meant to hit candidates with what they care about (pay, conditions, location) in a tight message, then make it frictionless to apply now. That “instant gratification” moment matters because speed matters. Tim shares a Marriott story that proves it: the advantage often goes to whoever responds first, not to whoever has the prettiest employer-brand deck. They also dig into what “viral” means for recruiting content (including share-to-view ratios and platform-specific behavior), why the best videos qualify and disqualify quickly, and how social can reduce junk and bot applications by capturing real intent. Finally, the crew gets into agentic AI vs. traditional GenAI, API-driven automation, real-time ATS integrations, and why security/compliance (SOC 2 Type II and more) isn't optional anymore. If you've ever said, “We've tried social… it didn't work,” this episode might change your mind and your playbook.
In this episode, author, podcaster, and speaker Mary DeMuth returns to share the inspiration behind her latest work, which spotlights overwhelmed women in the Bible—women whose stories have often been minimized or overlooked. From Mary the mother of Jesus to Hagar to the widow with two mites, these women model faith, resilience, and wholehearted trust in God. We talk about how Christmas can be both beautiful and heavy. Mary opens up about her own seasons of overwhelm, from her water breaking on Christmas Eve to sleeping in a barn the week before Christmas. She reminds us that Mary, the mother of Jesus, lived through the deepest fears a mother can face, yet she remained faithful as a disciple. Here is some of what we cover: Why Christmas often heightens grief, trauma, and unmet longings The consumerism of the holiday season vs. the simplicity of God with us What Shalom really means: wholehearted, whole-bodied peace rooted in surrender Jesus' care for the overlooked, the aging, and the marginalized The definition of “Whelm” which refers to out-of-control stress, “overwhelmed” is that same stress amplified beyond capacity Connect with Mary DeMuth: Instagram: Mary DeMuth // Healing from Trauma (@marydemuth) Facebook: Mary DeMuth Website: Mary DeMuth Links Mentioned: Nobody's Mother: By Sandra Glahn 90-Day Bible Reading Challenge: By Mary DeMuth Most Misunderstood Women of the Bible: By Mary DeMuth The Most Overlooked Women of the Bible: By Mary DeMuth The Most Overwhelmed Women of the Bible: By Mary DeMuth Podcast - Pray Every Day Mary DeMuth Church Hurt Checklist Related Episodes: Building the Family You Never Had :: Mary DeMuth [Ep 156] Nobody's Mother :: Dr. Sandra Glahn [Ep 443] From Overwhelmed to Anchored: Replacing the Lies of Motherhood with God's Truth :: Erica Gwynn [Ep 544] Featured Sponsors: Green Chef: Go to Greenchef.com/ALONEGRAZA use the code ALONEGRAZA to get started with 50% off Green Chef + FREE Graza Olive Oil Set in your 2nd and 3rd boxes. This 50% offer is only available for a limited time, so don't wait. Policygenius: With Policygenius real users have gotten 20-year $2 million policies for just $53 a month. Don't wait until next year. Give your family the gift of security today with Policygenius. Head to Policygenius.com to compare life insurance quotes from top companies and see how much you could save. Thrive Causemetics: Complete your holiday look. Go to thrivecausemetics.com/DMA for an exclusive offer of 20% off your first order.
Mon, 15 Dec 2025 22:15:00 GMT http://relay.fm/upgrade/594 http://relay.fm/upgrade/594 Featuring Crimes 594 Jason Snell and Myke Hurley We discuss what laptops Apple is expected to release in 2026, Apple's AI parsing of podcasts, that time Jason didn't really almost work for Apple, and weird snacks. We discuss what laptops Apple is expected to release in 2026, Apple's AI parsing of podcasts, that time Jason didn't really almost work for Apple, and weird snacks. clean 6384 Subtitle: Apple of the YearWe discuss what laptops Apple is expected to release in 2026, Apple's AI parsing of podcasts, that time Jason didn't really almost work for Apple, and weird snacks. This episode of Upgrade is sponsored by: Squarespace: Save 10% off your first purchase of a website or domain using code UPGRADE. DeleteMe: Get 20% off your plan when you use this link and code UPGRADE20. Gusto: Payroll, HR, Benefits. Simplified. Get 3 months free. Factor: Healthy, fully-prepared food delivered to your door. Use code upgrade50off Links and Show Notes: Get Upgrade+. More content, no ads. Submit Feedback Selena Gomez created this first-ever Oreo flavor | CNN Business Curl - Jonathan Coulton - YouTube Bowser & Blue - The Curling Song Jeff Williams Nominated to The Walt Disney Company Board of Directors Apple and Google team up to make iPhone and Android switching easier - 9to5Mac EU says easier iPhone-Android switching is proof the DMA is working - 9to5Mac Pluribus becomes Apple TV's most watched show ever - 9to5Mac The Twelfth Annual Upgradies Nomination Form iPhone 18 Pro Leak Adds New Evidence for Under-Display Face ID - MacRumors Apple Studio Display 2 leak reveals ProMotion, HDR, A19 chip upgrades | Macworld Apple's next HomePod mini and AirTag upgrades surface in leaked internal code | Macworld Here Are the Four MacBooks Apple Is Expected to Launch Next Year - MacRumors Apple's 26.2 betas boost iPad multitasking, AI processing – Six Colors Apple Releases iOS 26.2 With Alarms for Reminders, Lock Screen Changes, Enhanced Safety Alerts and More - MacRumors 10 NEW iOS 26.2 Features - Stephen Robles - YouTube macOS Tahoe 26.2 Gets Edge Light Feature for Video Calls - MacRumors Why is RAM so expensive right now? It's way more complicated than you think | TechRadar
In this episode, I sit down with bestselling author and investigative journalist Lee Strobel to explore some of the most profound questions of faith: Are miracles real? What evidence supports the Christmas story? What are angels like? Lee was famously an atheist, and when his wife came to faith in Christ, he set out to prove her wrong. In the end, he discovered that the evidence for Jesus was too substantial to ignore and he became a Christian. Since then, he has helped countless people wrestle with life's biggest questions: Is God real? How do we navigate a spiritually mismatched marriage? How can we help our kids understand the evidence that Jesus came, died, and rose again? Now, he has a new movie coming out called The Case for Miracles, bringing the supernatural to life in a powerful and compelling way. In this interview, we explore: Documented cases of divine healing Spiritual Mismatch in marriage and how to have hope The evidence surrounding Christmas and the incarnation Do angels exist? Do we have guardian angels? What Scripture and research reveal How God is using miracles and dreams around the world to draw people to Him Connect with Lee Strobel: Instagram: Lee Strobel (@lee_strobel) Facebook: Lee Strobel Website: Lee Strobel Links Mentioned: The Case for Miracles Movie Spiritual Mismatch: By Lee Strobel The Seeing the Supernatural: By Lee Strobel The Case for Christ: By Lee Strobel The Case for Miracles: By Lee Strobel Related Episodes: Moms and the Best Christmas Pageant Ever :: Dallas and Amanda Jenkins [Ep 501] “What is My Responsibility in My Child's Salvation?” :: Vela Tomba [Ep 431] Seek Him First :: Lillian Richey [Ep 494] Featured Sponsors: BUBS Naturals: Live Better Longer! For a limited time only, our listeners are getting 20% OFF at BUBS Naturals by using code DMA at checkout. Just head to BubsNaturals.com and use code DMA and you're all set. Branch Basics: Get yourself and your loved ones the best gift of all - the gift of clean with Branch Basics! For a limited time only, our listeners get 15% off and Free Shipping on their premium starter pack when you use code DMA at BranchBasics.com/DMA.
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