Podcasts about DMA

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

The short-term trend is your friend, and right now, it's firmly pointing up. The Index refuses to break below the 20 DMA, completely trapping the short-sellers. In this episode, Neel Parekh decodes this relentless bullish sentiment. Are you sitting on the sidelines waiting for a dip that isn't coming? Discover how to ride this momentum before the market leaves you behind.

The short-term trend is your friend, and right now, it's firmly pointing up. The Index refuses to break below the 20 DMA, completely trapping the short-sellers. In this episode, Neel Parekh decodes this relentless bullish sentiment. Are you sitting on the sidelines waiting for a dip that isn't coming? Discover how to ride this momentum before the market leaves you behind.

The short-term trend is your friend, and right now, it's firmly pointing up. The Index refuses to break below the 20 DMA, completely trapping the short-sellers. In this episode, Neel Parekh decodes this relentless bullish sentiment. Are you sitting on the sidelines waiting for a dip that isn't coming? Discover how to ride this momentum before the market leaves you behind.

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. 

Beaucoup de spécialistes alertent sur les risques des réseaux sociaux pour la santé mentale des jeunes : troubles de l'attention, stress et anxiété, exposition au harcèlement et à des images pédopornographiques. Face à ce fléau, plusieurs pays membres de l'Union européenne (UE) réfléchissent à leur interdiction pure et simple pour les mineurs. En France, les députés ont voté cette mesure radicale pour les moins de 15 ans. Mais pour réguler ces plateformes, souvent américaines, la responsabilité revient à la Commission européenne qui dispose d'outils puissants. Deux directives européennes, sur les services et les marchés numériques, intitulées DSA et DMA, sont censées lutter contre les contenus violents, la désinformation et protéger les plus jeunes.

In Folge 298 sprechen die ApfelNerds über die Entscheidung der EU, dass Apple bei Apple Maps & Apple Ads kein Gatekeeper ist. Außerdem ist Apple nicht mehr größter TSMC-Kunde, es gibt Details zum iPhone Fold, Apple Health+ soll weniger Features bekommen, der iPhone 18 Pro Max-Akku wird etwas größer, Apple soll bald 3rd Party-Chatbots in CarPlay erlauben, die kommenden AirPods Pro sollen eine "Rundumsicht" haben, viele Geräte werden "In Kürze" erwartet und es gibt Updates.

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.

Microsoft, mimo że jest mocarstwem

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

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

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

Rejoignez la communauté iWeek et soutenez-nous sur patreon.com/iweek !Voici l'épisode 260 d'iWeek (la semaine Apple).L'iPhone Fold se dévoile et nos souhaits pour 2026Enregistré en streaming, mardi 6 janvier 2026 à 18h30, enregistrement accessible en direct pour nos soutiens Patreon.Présentation : Fabrice Neuman, avec Élie Abitbol et un passage éclair de Benjamin Vincent depuis le CES de Las Vegas.Au sommaire de cet épisode 260 :Retour sur…Le Japon ouvre la voie pour les magasins d'applications alternatifsUne nouvelle loi japonaise, le Mobile Software Competition Act (MSCA), oblige Apple et Android à autoriser des app stores tiers — mais sans imposer le sideloading. Résultat, Apple est bien plus favorable à ce règlement japonais qu'au DMA européen.L'iPhone Fold se précise — design, prix, technologieLes rumeurs autour de l'iPhone pliant se précisent : un format “livre” de 5,4 pouces plié, 7,6 à 7,8 pouces déplié — proche de l'iPad mini. Pas de Face ID, mais un Touch ID intégré au bouton d'alimentation. La charnière pourrait utiliser du “Liquid Metal” ou du titane pour la solidité. L'écran, fourni par Samsung, pourrait ne laisser aucune trace de pliure une fois déployé. À quel prix ?“S'il te plaît, Apple !”Fabrice et Élie partagent leurs envies pour Apple en 2026 : un renouvellement de la gamme Apple d'écrans externes, une tablette ou une montre à encre électronique, une Apple Watch avec une autonomie de plusieurs jours, et le retour des routeurs AirPort. Ils critiquent aussi la perte d'innovation chez Apple, attribuée à une gestion trop financière sous Tim Cook, et appellent à un retour à l'esprit visionnaire des débuts — avec un CEO plus créatif et à l'écoute des utilisateurs.Et le bonus réservé à nos soutiens Patreon: Du Wi-Fi vraiment plus rapide après une simple mise à jour logicielle ? Pas pour tout le monde…Rendez-vous mardi 13 janvier 2026 pour l'épisode 261, à partir de 18h30. Désormais, seuls nos soutiens Patreon peuvent suivre le streaming de l'enregistrement de chaque épisode via le lien que nous leur envoyons chaque semaine. Ils peuvent ainsi profiter du chat et intervenir en visio en cliquant sur le bouton sous le lecteur vidéo. Alors, rejoignez-les!Image: Bob Obba / YouTubeChapitres(00:00:00) Introduction(00:01:27) Retour sur… les App Stores alternatifs au Japon(00:12:26) L'iPhone pliant se précise !(00:25:47) En direct du CES: Benjamin Vincent nous ouvre les portes(00:33:03) Les caractéristiques de l'iPhone Fold(00:43:03) Rejoignez la communauté Patreon !(00:44:20) S'il te plaît Apple : fais-nous plaisir en 2026(01:09:50) Le JT de la semaine: 1ères annonces du CES(01:17:00) ConclusionHébergé par Ausha. Visitez ausha.co/politique-de-confidentialite pour plus d'informations.

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.

It's a talker this week in "...But to Connect"! The Federation hosts a big DMA to-do and everyone's invited! Including, unfortunately, Tarka. There's all kinds of speeches, including one that's just a thinly-veiled couple's spat being played out in front of a bunch of strangers! Awkward! Meanwhile, on "Discovery", Kovich and crew need to try and figure out how to deal with the fact that they're all hanging out inside a self-aware ship. Again: awkward! Also this week: Space C-Span, Lorca 2.0, and Sci-Fi Heroes! [Connect: 01:30; Heroes: 47:18] [A Blog Ghostwritten by Joseph Campbell: https://sshbpodcast.tumblr.com/post/803205120071467008/we-could-be-heroes-just-for-one-lightday ]

Today's Q&A Wednesday is driven entirely by live YouTube chat questions, covering the market topics investors are most focused on right now. Lance Roberts & Danny Ratliff address real-time concerns around market volatility, Federal Reserve policy, interest rates, inflation, portfolio risk, asset allocation, and year-end positioning—without hype or speculation. This interactive session is designed to help investors better understand what matters, what doesn't, and how markets typically behave during periods of uncertainty. Rather than making predictions, we focus on context, probabilities, and risk management—answering your questions as they come in live. If you have a market question, join the conversation in the chat. If you're watching the replay, timestamps and chapter markers are included for easy navigation. 0:00 - INTRO 0:19 - Economic Data Disappoints 5:50 - Markets Re-Test 50-DMA 11:26 - Reindeer & Dwarfs 13:54 - Volatility Commentary 21:23 - Effects of the One Big Beautiful Bill on Charitable Donations 24:37 - Buybacks vs Dividends 26:42 - Expectations for Gold and Silver in 2026 33:25 - Economic Summit Tease 34:41 - TLT Shorts & Speculative Bets 37:37 - Best Portfolio Allocations for 2026 39:35 - What Investments Should NOT Be Held in a Roth IRA? 41:54 - RSI vs Value, MACD, & Volume Trading? 45:38 - Retiring at 63? 48:07 - Dealing with Future Risk 51:50 - Sectors and Stocks for 2026 56:07 - 403b's vs 457's 57:58 - Energy Plays for 2026 Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=yJV-vnHx4Eg&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- The latest installment of our new feature, Before the Bell, "Markets Consolidate After 50-DMA Test," is here: https://www.youtube.com/watch?v=X4PjkAGK804&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- Watch our previous show, "Year-End Checklist for Young Investors," here: https://www.youtube.com/watch?v=3Wyudzh3naw&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- 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/ #MarketOutlook #StockMarketToday #TechnicalAnalysis #YearEndMarkets #RiskManagement #MarketQandA #InvestorQuestions #MarketVolatility #FedPolicy #RiskManagement

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

Mon, 15 Dec 2025 22:15:00 GMT http://relay.fm/upgrade/594 http://relay.fm/upgrade/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

Benjamin and Chance talk about two more Apple executive departures since last week's episode, and a rumored third that appears to be staying for now. There's also exciting details about the next Apple Studio Display, Apple might be able to enlist Intel to manufacture Apple Silicon chips, Fitness+ is using AI for language dubbing, and more.  And in Happy Hour Plus, the duo talk about Netflix's attempt to acquire Warner Bros, and why Apple would never interested in a deal like this. Subscribe at 9to5mac.com/join.  Sponsored by Framer: The only free design tool that brings your ideas to the web. Visit framer.com/design and use code HAPPYHOUR for a free month. Sponsored by Shopify: Grow your business no matter what stage you're in. Sign up for a $1 per month trial at shopify.com/happyhour. Sponsored by 1Password: Take the first step to better security for your team by securing credentials and protecting every application at 1password.com/happyhour. Hosts Chance Miller @ChanceHMiller on Instagram @ChanceHMiller on Twitter @ChanceHMiller on Threads Benjamin Mayo @bzamayo on Twitter @bzamayo on Threads Subscribe, Rate, and Review Apple Podcasts Overcast Spotify 9to5Mac Happy Hour Plus Subscribe to 9to5Mac Happy Hour Plus! Support Benjamin and Chance directly with Happy Hour Plus! 9to5Mac Happy Hour Plus includes:  Ad-free versions of every episode  Pre- and post-show content Bonus episodes Join for $5 per month or $50 a year at 9to5mac.com/join.  Feedback Submit #Ask9to5Mac questions on Twitter, Mastodon, or Threads Email us feedback and questions to happyhour@9to5mac.com Links Meta Partners with iHeartMedia to Bring Coldplay's Music of the Spheres World Tour to Meta Horizon Apple announces departure of two more top executives Report: Johny Srouji contemplating leaving Apple, considering career elsewhere Apple Silicon chief Johny Srouji reportedly commits to staying at Apple for now New Apple Studio Display rumored to upgrade three key features Apple TV previews new F1 streaming deal, confirms driver onboard cams will be included Apple announces biggest Fitness+ expansion ever with help from AI Apple and Google team up to make iPhone and Android switching easier EU says easier iPhone-Android switching is proof the DMA is working Apple might turn to Intel for its upcoming M-series chips, per report Future iPhone chips might be produced by Intel, per report Netflix is buying HBO Max, Warner Bros. in blockbuster $83 billion deal Netflix plans to keep selling Warner shows to Apple TV, like Ted Lasso

Listen to a recap of the top stories of the day from 9to5Mac. 9to5Mac Daily is available on iTunes and Apple's Podcasts app, Stitcher, TuneIn, Google Play, or through our dedicated RSS feed for Overcast and other podcast players. Sponsored by Backblaze: Give yourself the gift of peace of mind. Till the end of the month, 9to5Mac listeners get 30% off with code 9to5Xmas.  New episodes of 9to5Mac Daily are recorded every weekday. Subscribe to our podcast in Apple Podcast or your favorite podcast player to guarantee new episodes are delivered as soon as they're available. Stories discussed in this episode: Former COO Jeff Williams nominated to join Disney board following Apple retirement New Apple Studio Display rumored to upgrade three key features EU says easier iPhone-Android switching is proof the DMA is working Tim Cook meets lawmakers in effort to shift App Store age proposal Listen & Subscribe: Apple Podcasts Overcast RSS Spotify TuneIn Google Podcasts Subscribe to support Chance directly with 9to5Mac Daily Plus and unlock: Ad-free versions of every episode Bonus content Catch up on 9to5Mac Daily episodes! Don't miss out on our other daily podcasts: Quick Charge 9to5Toys Daily Share your thoughts! Drop us a line at happyhour@9to5mac.com. You can also rate us in Apple Podcasts or recommend us in Overcast to help more people discover the show.

Markets bounced sharply after the Federal Reserve cut rates by a quarter-point, pushing major indexes back toward all-time highs. As of Wednesday's close, buy signals remain in place, but relative strength is stretched, and a mild pullback is taking shape this morning—led by weakness in the NASDAQ following Oracle's selloff. With all major indexes still within 2% of record levels, investors should remember that when the Fed cuts near market highs, volatility typically rises over the next one to three months. Historically, this pattern produces short-term corrections but tends to resolve with higher prices over the next 10–12 months. Markets remain in a broader consolidation range, and a normal retracement toward the 50-DMA between now and Christmas would set the stage for a stronger year-end rally. Based on current trends, 2025 looks likely to close with gains near 17%—and we are preparing updated valuation and price-target ranges for 2026 in an upcoming article. In today's pre-market brief, we break down: • Why NASDAQ weakness is no surprise • How Fed policy and "QE/Not-QE" shape volatility expectations • What to expect from a consolidation into year-end • Key levels to watch into the seasonal rally window 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/gnorFZc1qM8 ------- REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- 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 #FederalReserve #InterestRates #MarketVolatility #NASDAQ

Markets traded flat on Tuesday, holding near the top of their recent trading range. With today's Fed announcement, the potential for a short-term pullback rises—especially with markets still overbought and stretched above key moving averages. A move back toward the 20-DMA or 50-DMA wouldn't be surprising. The VIX is also signaling a possible uptick in volatility, hinting at a VIX buy signal. For those running aggressively long positions, this may be an ideal moment to reassess and trim risk around the edges. Bitcoin—often a proxy for speculative sentiment—has bounced recently but is now approaching overhead resistance, reinforcing a more cautious stance through the next several sessions. In this pre-market update, Lance breaks down: Why markets may soften despite positive momentum How the VIX is telegraphing volatility What overbought conditions imply short-term Why Bitcoin's rally may be stalling Stay disciplined and keep risk management front and center as the Fed takes the spotlight. 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/watJ1Jqsf-4 ------- REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- 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 #FedDecision #MarketVolatility #TechnicalAnalysis #BitcoinUpdate

Market sloppiness is showing up as mutual fund distributions continue to create choppiness across the major indices. After the rally off the Thanksgiving lows, markets have spent more than a month stuck in a consolidation range, struggling to make progress while remaining elevated above the 200-DMA and overbought on a momentum buy signal. A pullback to retest the 20-DMA wouldn't be surprising. This week's focus is the Federal Reserve meeting, where commentary—especially anything hawkish—could influence trading and potentially spark short-term volatility. Barring an unexpected shift, markets still appear on track to close 2025 with mid-teens returns, setting up bigger questions about what that could mean heading into 2026. Stay tuned for what to watch as Fed Week unfolds. 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/jVOsWORmpBU ------- REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- 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/ #MarketUpdate #FedWeek #StockMarketToday #MarketVolatility #TechnicalAnalysis

Markets rallied on Wednesday before selling off into the close, but technically this is all normal behavior. After a mild 5% pullback in early November, stocks are simply consolidating gains from the April lows. Now, markets are pushing back toward resistance at the previous highs—an area that may produce some short-term volatility. If markets can break above November's highs, it opens the door for a traditional Santa Claus Rally into year-end. Even a pullback to the 50-DMA heading into Christmas would be a healthy setup. With markets on a buy signal from relatively low levels, the odds still lean toward a strong finish to 2025. Volatility may return over the next couple of weeks, and headlines will inevitably warn that "Santa isn't coming this year." But historically, two back-to-back negative Decembers are extremely rare. The technical backdrop continues to support a year-end push higher. 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=CnOnz8np7ps&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- 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/ #SantaClausRally #StockMarketToday #MarketVolatility #YearEndRally #TechnicalAnalysis

AI stocks inside the Mag-7 are no longer moving in unison. We're now seeing a clear split between the names that are extremely overbought and those entering oversold, opportunity-driven territory. Apple ($AAPL) ripped to all-time highs and is now heavily deviated from its long-term means — historically a tough level to sustain. Google ($GOOGL) has been the recent "darling," but it remains extremely overbought and is beginning an early correction phase. We rebalanced our Google position back to target last week based on that setup. On the other side of the spectrum, Nvidia ($NVDA) has pulled back and is still above its 200-DMA, though the gap hasn't fully closed. Palantir ($PLTR) has triggered a buy signal, showing rotation inside the AI space. The message? When one part of the AI sector becomes stretched, opportunities often emerge somewhere else. Managing position sizes and rebalancing becomes critical into year-end. This pre-market update breaks down: • Which AI stocks are overbought • Which are resetting • Where technical setups are shifting • Why dispersion in the Mag-7 matters right now 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=B8eJNdf9YTI&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- 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/ #AIStocks #Mag7 #TechStocks #PreMarketUpdate #StockMarketNews

Markets kicked off the first trading week of December with a weak open but rallied off the lows. Despite some early sloppiness, the major indices remain well-above their 100-day moving average, and the MACD Buy signal remains intact. Momentum is rebuilding, and a basing pattern appears to be forming across the board, including the NASDAQ. The bigger headline today is Bitcoin. After a sharp pullback and several weeks of ETF outflows, Bitcoin is now oversold and flashing renewed buy-signal conditions. ETF inflows have returned, options activity is picking up on the long side, and the price action suggests a potential base forming—though confirmation will take time. A rally back toward the 100-DMA would still offer meaningful upside without implying new highs. Meanwhile, the U.S. Dollar continues to base following its recent rally, which has helped fuel short-term strength in Gold. Risk-on sentiment is beginning to re-emerge across asset classes as investors rotate back into markets heading into year-end. This pre-market update breaks down the technical backdrop, Bitcoin's improving structure, and what the risk-on rotation means for traders as we move through December. 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=lOg7kPGVEpM&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- 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/ #StockMarketNews #BitcoinAnalysis #PreMarketUpdate #TechnicalAnalysis #TradingStrategy

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. 

In this powerful and deeply honest conversation, Jess Connolly—author, podcaster, and speaker—invites us into a season of her life marked by heartbreak and uncertainty.  Jess opens up about the winter of 2023, when her husband experienced panic attacks, heart issues, and a mental health crisis. At the same time, her family was facing major loss as her stepfather passed away after heart surgery, while also preparing for a book release. Followed by one of her children walking through a dark trial. Jess brings so much truth and gentle encouragement to anyone walking through a season that desperately needs hope, not the shallow Christian clichés we often hear, but a deep and steady hope that God is with us in the valley. Here's some of what we cover: The myth of the “prosperity gospel of parenting” and why 1+2 does not always equal 3 The pressure to assign purpose to a painful season  Rethinking Psalm 23 and understanding the rod and the staff  Learning to lament: why anger expressed to God is actually intimacy An exclusive sneak peak at her next book!  Connect with Jess Connolly:  Instagram: Jess Connolly | Author + Bible Teacher (@jessaconnolly) Facebook: Jess Connolly Website: Jess Connolly Links Mentioned:   What Comes Next: By Jess Connolly Tired of Being Tired: By Jess Connolly It's Not Supposed to Be This Way: By Lysa TerKeurst Related Episodes: Sidetracked with Jess Connolly :: Cynthia and Heather [Ep 484] Your Body is GOOD :: Jess Connolly [Ep 329] Worth Repeating // Jess Connolly Featured Sponsors: Sex Ed Reclaimed: Sex Ed Reclaimed offers a full curriculum with lifetime access so with that mind, visit sexedreclaimed.com to get your family's video curriculum today. 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 . Jones Road Beauty: This holiday season, simplify your routine with makeup that's clean, strategic, and multifunctional. From November 18th - December 1st, Jones Road is doing their first ever Black Friday Sale! Go to JonesRoadBeauty.com to get up to 20% off sitewide.

As a young mom, I felt the tension of wanting to have it all together: the boys in matching outfits, the house spotless, and dinner on the table. But no matter how hard I tried, it always felt just out of reach.  Today, Ashleigh Surratt joins me to talk about what it means to be a Type C mom — a blend of Type A and Type B — and how this mix shapes the way we experience motherhood. She is a mom and faith-filled encourager who speaks honestly about motherhood, identity, and finding God's grace in the messiest seasons of life. Her perspective helps moms release perfectionism and embrace the freedom found in authenticity. We talk about:  How to stop comparing yourself and embrace what truly matters to you How “ideal mom” expectations can become an idol Why authenticity and vulnerability invite connection rather than shame Create simple “catch-all” systems to manage chaos in your home When you feel drained, pause and invite God into the overwhelm Connect with Ashleigh Surratt:  Instagram: Ashleigh Surratt (@ashleigh.surratt) Facebook: Ashleigh Surratt Links Mentioned:   The Lazy Genius The Ashleigh Surratt Show - Podcast - Apple Podcasts Podcast with her husband Related Episodes: Manage Your Time Like a Lazy Genius :: Kendra Adachi [Ep 492] The Lazy Genius Kitchen :: Kendra Adachi [Ep 365] Choose What Matters to YOU :: Kendra Adachi [Ep 293] Featured Sponsors:  Honeylove: Treat yourself or someone special to the most comfortable and innovative bras on earth this holiday season. Save 20% off sitewide at honeylove.com/DMA. Use our exclusive link to get 20% off Green Chef: Make this fall your healthiest yet with 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.  Thrive Causemetics: Complete your fall look. Go to thrivecausemetics.com/DMA for an exclusive 20% off your first order. 

When life doesn't go as planned, it can be hard to see where God is working. In this powerful conversation, Sandra Peoples, author, special needs mom, and ministry leader,  opens up about her journey from growing up with a sister with Down syndrome to parenting a son with autism. Sandra shares how her family's story revealed a gap in the church for families impacted by disability, and how God called her to help fill it. From starting a special needs ministry to creating sensory rooms and buddy systems, Sandra offers practical and spiritual wisdom for pastors, volunteers, and parents alike. Here is some of what we cover:  Disability families are often unreached — the church has an incredible opportunity to serve and love them. Support for the whole family — offer counseling, respite nights, and peer connection for parents and siblings. The church should be a whole picture of the body of Christ including those with disabilities who often enter into worship in the most beautiful ways.  What questions to ask your friends who are hesitant to come to church with their special needs child.  Hope for the mom that feels unseen or hopeless. Psalm 126:5- Those who sow in tears shall reap with shouts of joy! Connect with Sandra Peoples Website: Sandra Peoples: Equipping Churches and Encouraging Families Instagram: Sandra Peoples (@sandrapeoples) Facebook: Sandra Peoples Links Mentioned:   Accessible Church: By Sandra Peoples Held: Learning to Live in God's Grip: By Sandra Peoples Unexpected Blessings: By Sandra Peoples 99 Balloons Related Episodes: Adopting Special Needs :: Alice and Candace [Ep 213] Mothering Autism: Navigating Grief, Marriage, and Community :: Carrie Cariello, Kate Swenson, and Adrian Wood [Ep 515] Parenting Neurodivergent Children–Summer Edition :: Carrie Cassell [Ep 413] Featured Sponsors:  Thrive Causemetics: Complete your fall look. Go to thrivecausemetics.com/DMA for an exclusive 20% off your first order.  StoryWorth Memoirs: Give your loved ones a unique keepsake you'll all cherish for years–Storyworth Memoirs! Right now, save $10 or more during their Holiday sale when you go to storyworth.com/dma !

In this episode, New York Times bestselling author Katherine Schwarzenegger Pratt joins us to talk about parenting, faith, and finding courage, especially in the spotlight. Katherine opens up about her new children's book, Kat and Brandy, an inspiring story about overcoming fear, bravery, and the bond between animals and humans. She shares how growing up in a politically influential family shaped her values, why protecting her kids' privacy matters deeply to her, and how faith and humor help her stay grounded in motherhood. From her childhood journals to her love of animals Katherine reveals the experiences that built her courage, and how she hopes to pass those lessons on. Here is some of what we cover: Balancing Fame and Family: How Katherine and Chris Pratt navigate parenting in the public eye while prioritizing a grounded, private childhood for their kids. Why boredom, journaling, and quiet moments sparked her lifelong passion for storytelling and creativity. Motherhood with Humor and Grace: Katherine's honest reflections on mom life, finding laughter in chaos, and building a community that uplifts and supports. Encouragement for Overwhelmed Moms: find humor in things, get outside, and give yourself grace. Connect with Katherine Schwarzenegger Pratt:  Website: Katherine Schwarzenegger Pratt Instagram: Katherine Schwarzenegger (@katherineschwarzenegger) Facebook: Katherine Schwarzenegger Links Mentioned:   Kat and Brandy: By Katherine Schwarzenegger Pratt Jingle All the Way Christmas Movie Black Beauty: By Anna Sewell BDA Baby® Podcast Related Episodes: Honoring Moms, the Unsung Heroes :: Rebecca St. James [Ep 466] Raising Rock Stars on a Firm Foundation :: Helen Smallbone [Ep 166] From Blockbusters to Blanket Forts: Patricia Heaton on Parenting, Faith, and Comedy [Ep 521] Featured Sponsors:  Hiya Health: 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. Bubs Natural: Live Better Longer with BUBS Naturals. For A limited time get 20% Off your entire order with code [DMA] at Bubsnaturals.com PolicyGenius: Head to policygenius.com to compare life insurance quotes and get the coverage you need. Because being financially protected? That's the ultimate self-care. 

What does it really mean to parent with grace? Does choosing grace-based or gentle parenting mean we throw out discipline or become permissive? In today's episode, Cody Kimmel and I, explore the deep spiritual truths behind parenting the way God parents us, full of grace, full of truth, and full of delight. Parenting is not about perfection. It's about partnering with God in the work He's doing in our kids' lives. When we align ourselves with His heart—gracious, truthful, joyful—we parent from a place of rest, not reaction. Here is some of what we cover: How to respond to a talking-back teen with both love and limits How our own sanctification plays a role in how we approach our kids and discipline  The role of trust and play in your relationship with your kids Grace doesn't mean permissiveness, it means parenting the way God parents us How modern parenting gets it wrong by saying parenting is death to joy and freedom but there is incredible beauty and delight in motherhood  Connect with Cody Kimmel:  Website: Home - Gracebased Facebook: Gracebased Instagram: Gracebased (@gracebasedfamilies) Links Mentioned:   Grace-Based Parenting: By Tim Kimmel Blueprint Pathway - Gracebased Gracebased Home Journal - Gracebased Podcasts lightcatchers - Gracebased Related Episodes: Grace Based Discipline for Kids with Unique Needs :: Karis Murray [Ep 237] Grace-Based Discipline :: Karis Kimmel Murray [Ep 150] “What Does My Child Need?” :: Amy and Jeffrey Olrick [Ep 480] Featured Sponsors:  Little Spoon: Simplify your kids' mealtimes. Go to: littlespoon.com/DMA and enter our code DMA at checkout to get 50% OFF your first Little Spoon order.  Voetberg Music Academy: This month, use my code: DONTMOMALONE to get 20% off each month you're subscribed. Get 20% off the proprietary Voetberg Method Experience. Lightcatchers Podcast: Lightcatchers, a new podcast of original stories for children. Created by an organization with over 40 years of helping moms and dads experience God's vision for parenting, Lightcatchers is loved by children and parents alike. It's perfect for parents looking for stories that explore topics like emotional intelligence, mental health, and hope. Listen now to Lightcatchers wherever you get your podcasts. And learn more at bealightcatcher.com