Podcasts about DNI

España vive un día espectacular con sol y hasta 21 grados, aunque el fin de semana el tiempo empeora. El Gobierno propone medidas económicas sin bajar el IVA de alimentos ni carburantes. La investigación del accidente de Adamuz apunta que la vía estaba rota horas antes, generando dudas sobre Adif. Un estudio de la Universidad Miguel Hernández de Elche vincula el uso problemático de redes sociales a mayor depresión en menores. Se explica la teoría del "mono borracho" sobre la atracción al alcohol y el mareo al leer en coche, junto a leyes inusuales de Grecia, Suiza y Japón. En ¡Buenos días, Javi y Mar!, tras el fallecimiento de Gema Cuervo, comparten anécdotas surrealistas de vecinos, como una que ayuda por WhatsApp a una niña con un ejercicio. La sección "Sé lo que estás pensando" destaca a un ladrón de Salamanca que olvida su DNI en el lugar del robo. Preocupa Britney Spears y la tradición de los ganadores del Óscar de celebrar en una hamburguesería.

Hoy en ¡Buenos días, Javi y Mar! como siempre: compartimos nuestras historias del día a día. Hemos hablado de rutinas, del gimnasio y, cómo no, de los despistes en CrossFit. También nos han llegado historias de oyentes con momentos bastante embarazosos: desde líos con el coche hasta controles de alcoholemia que mejor olvidar. Entre risas, hemos sacado tiempo para noticias que nos han tocado la fibra, como la amistad del mono Punch, y también para curiosidades que nos han dejado pensando, como por qué nos mareamos en el coche o algunas leyes rarísimas que hay por el mundo. Nos ha sorprendido ver lo normales que pueden ser algunos ganadores del Oscar, que después de la gala se plantan en una hamburguesería como cualquiera. No han faltado las historias surrealistas de vecinos ni casos locos como el del ladrón que se deja el DNI en pleno robo... y como siempre, hemos metido humor con nuestras adivinanzas y la ya clásica “Encuesta Absurda”.  Pero sin duda, lo más importante del día ha sido ...

¿Alguna vez te has preguntado qué siente alguien cuando cruza el umbral de tu casa por primera vez? Aunque tu nariz te haya anestesiado para protegerte, tu casa tiene un olor; guarda un DNI energético que no se puede ocultar ni con velas, ni con aceites, ni con inciensos.En este episodio, te explico cómo tu historia, tus emociones y hasta tu química biológica dejan un rastro invisible que condiciona tu bienestar. Te contaré también un truquillo para que puedas averiguar a qué huele tu casa, descubrirás qué dice de ti el aire que respiras y, por supuesto, si lo que descubres no te gusta, te enseñaré cómo resetearlo.¿Qué me dices?, ¿te gusta el menú?"Me encantará saber qué te ha parecido este episodio. Puedes escucharlo en plataformas de podcast como Spotify, iTunes, Ivoox, Google Podcast, Anchor, Breaker, PocketCasts, Radio Public, y muchas más.Si prefieres escucharlo sin música y con subtítulos, puedes disfrutar de este capítulo completo en YouTube.Me haría muchísima ilusión leer tus preguntas, comentarios y experiencias. Puedes dejarme tus opiniones aquí mismo, en YouTube, o en las plataformas donde escuchas Verde Menta. Si prefieres, también puedes escribirme en Instagram.Si te ha parecido interesante este contenido, compártelo con quienes crees que también lo disfrutarían. ¡Así ayudas a más personas y también me ayudas a mí!Si te gusta Verde Menta, me encantaría que dejaras una valoración (unas estrellitas) en la plataforma donde lo escuchas, o simplemente dale “Me gusta” al video aquí en YouTube. ¡Mil gracias por tu apoyo!Aquí me puedes encontrar: Academia de Feng Shui y Astrología Bazi: https://www.bohom.es/academia-online/Instagram: instagram.com/bohomfengshuiYoutube: youtube.com/@bohomfengshuiTikTok: tiktok.com/@bohomfengshuiEmail: hola@bohom.esWeb: https://www.bohom.es

There is a storm coming with the challenges of navigating the TRUSTEE CRISIS. It is one of the biggest blind spots in the “GREAT WEALTH TRANSFER” and will be the source of mountains of litigation for the unwary, https://youtu.be/hwQev88A03M Summary In this conversation, Frazer Rice and Jennifer Zelvin McCloskey discuss the current crisis in trusteeship, highlighting the shortage of qualified trustees amidst a significant wealth transfer. They explore the importance of modern trust planning, the challenges faced by individual trustees, and the need for better education and training in the field. The discussion also covers the emotional and interpersonal aspects of trusteeship, the functions and responsibilities of trustees, and the necessity of managing risk effectively. They emphasize the importance of building a pipeline for future trustees and improving the perception of the profession, while also identifying opportunities within the trust industry. https://open.spotify.com/episode/4qpkrVdaUa2AfDxgl7j3yN?si=XVgG3jE_Qpqq2JTqi8XLXQ Editing and post-production work for this episode was provided by The Podcast Consultant (⁠https://thepodcastconsultant.com⁠) Takeaways The coming crisis in trusteeship is already here. There is a significant shortage of qualified trustees. Trusteeship requires strong interpersonal skills and emotional intelligence. Managing risk is a fundamental aspect of trusteeship. Trustees critically need education and training. The role of a trustee is evolving with increasing complexity. Beneficiaries need to understand their rights and the trustee’s role. Custodial responsibilities are essential for asset protection. There are many opportunities for growth in the trust industry. Trust law and investment management are distinct fields. This Episode is for . . . Anyone that has an estate plan with a trust in it and doesn't know what a trustee does Any advisor who works w/ multi-generational situations (that’s everybody in wealth management) Any RIA looking to sell Financial types worried about compliance world Fiduciary litigators Chapters of “THE TRUSTEE CRISIS: Navigating the Challenges” 00:00 The Coming Crisis in Trusteeship 02:06 Importance of Modern Trust Planning 04:11 Challenges with Individual Trustees 08:03 The Dwindling Pool of Qualified Trustees 10:06 Functions and Responsibilities of a Trustee 12:20 The Emotional and Interpersonal Aspects of Trusteeship 16:05 Managing Risk in Trusteeship 19:07 Building a Pipeline for Future Trustees 22:10 The Role of Education in Trusteeship 25:07 Improving the Perception of Trusteeship 28:19 The Need for Better Trust Education 30:39 Bifurcation of Trustee Functions 33:26 Distribution Functions and Beneficiary Relations 36:52 Custodial Responsibilities in Trusteeship 40:19 Consequences of Poor Asset Management 46:41 Curriculum for Trustee Education 52:13 Opportunities in the Trust Industry Transcript of “THE TRUSTEE CRISIS: Navigating the Challenges” Frazer Rice (00:01.068)Welcome aboard, Jennifer. Jennifer Zelvin McCloskey (00:02.723)Thanks Frazer, how are you today? Frazer Rice (00:04.782)I am doing great. We’re going to dive into a topic that is near and dear to both of our hearts. And that is what I’m describing as the coming crisis in trusteeship, but I think it’s already here. Which is the concept of qualified trustees being in short supply, right in the face of a gigantic wealth transfer. And first of all, before we get into that, just describe what you do on a day to day basis first. Jennifer Zelvin McCloskey (00:33.445)Sure, I actually wear a bunch of hats. Day to day, right now, I’m a full-time practicing trust and estate attorney. I’m also an individual trustee for a variety of trusts that need either somebody here physically located in Delaware for a short period of time or even a successor trustee. But I’ve also spent many, many years building programs in trust management and trust administration. Because there is this crisis of human capital that just does not exist. I built multiple programs. They’re housed out of the University of Delaware. So I act as a trust and estate attorney, do planning, administration, I teach in the area, I build programs in the area, and I serve as a trustee. PEAK TRUST MANAGEMENT CERTIFICATE Frazer Rice (01:23.182)A full plate to be sure. To me, I came out of Wilmington Trust and another trust company served an individual trustee too. I’ve seen all these different flavors of trusteeship. My general sort of bon mot around that is that the individual trustees. I’d say 95 % or higher don’t really have an appreciation of the risk and responsibility that they’re taking on. And then the corporates have their own issues, which we’ll get into in a little bit. If we pull back even further, modern trust planning in wealth management, why is this so important? Jennifer Zelvin McCloskey (02:06.275)That’s massively important. It’s not just for the mass affluent or the ultra high net worth. It’s for everybody. We have all of these assets that we have this hyperfocus on building and increasing our wealth. Making sure that we have the ability to sustain ourselves throughout our entire lives. But if we don’t do this type of planning, if we don’t have structures and implementation for when we die, then our assets that we’ve planned so diligently for will fall off of a cliff. We lose the ability to control ultimately what happens to those assets. Layered on top of that, of course, is the tax component for ultra high net worth folks who are trying to really focus and direct their assets to make and create generational wealth transfers. Without this type of functionality and wealth planning and estate planning long-term, people lose control of what they’ve spent so much time building. Frazer Rice (03:13.338)One of the things I tell people as far as trusts are concerned is that, you know, we’re putting these structures together. They’re durable enough to withstand taxation or creditors or other asset protection features, create some guidelines around distributing the assets to the next generation or other constituencies. But also have some flexibility to be able to deal with the things we can’t look into the crystal ball and figure out over time. And that those three things just putting a document together that tries to do all that is hard enough, but then to put it in the hands of somebody or something to administer and to exercise discretion around it. That’s where the real art and science kind of stitched together and create this issue. You know, as we think about that too, the idea, the history of these types of scenarios kind of goes back to, you know, you’d put a structure in place and then you’d go hire a bank and they’d take care of everything. How do you look at that and say, all right, we’ve gone well past banks to individuals and then to dedicated institutions. What is the problem there? Jennifer Zelvin McCloskey (04:22.956)Now the problem, there’s two problems. In my opinion, what I see is that, you know, your individual trustee by and large is Uncle Joe, right? He’s the guy that everybody goes to in the family. The responsible one. He’s the smart one. The wealthy one who, great, doesn’t know what the fiduciary duties are. He doesn’t know that he has a duty of impartiality. He doesn’t know that… Frazer Rice (04:32.419)Right. Jennifer Zelvin McCloskey (04:48.475)He can’t self deal unless the instrument says so. Doesn’t understand how the instrument works. He doesn’t understand the nuance and the legalese written into the instrument. But he’s flying by the seat of his pants and everybody looks to him as the respected one in the family. No one knows that they have the ability to challenge him. So with your individual run of the mill trustee named in the instrument, they just don’t have the expertise, they don’t have the technical knowledge. Don’t know what they don’t know. They can get into trouble in that way. The other problem that you have with professional individual trustees oftentimes is that they are not formally trained. They may be an attorney who is working in that area, who’s doing plans for people who may or may not know what the full scope of being a trustee is. They may not realize, I have to get a special insurance policy because my malpractice insurance policy doesn’t actually cover this type of fiduciary engagement. There’s a lot of landmines that individuals can run into when they’re doing this type of work. On the corporate side, the problems that we run into is that there’s just a complete and utter lack. Frazer Rice (05:50.061)Hmm. Jennifer Zelvin McCloskey (06:12.059)Of available educational programs to teach people the proper way to be able to understand trusteeship. It has always been, and it just has developed over time through, you know, oh, we’ll give it to the bank, the bank will do it. This apprenticeship model, and that just does not scale well because if you learn improperly at the edge of a desk from somebody that learned improperly at the edge of the desk. Then the person that you’re teaching now at the edge of the desk is learning what you learned improperly. So anecdotally, I did karate for a long, long time. And the man who taught me karate, I’m almost a secondary black belt to like, was serious in karate. And the man who taught me karate said, you practice, it makes permanent. Don’t practice wrong. Because when you’re practicing wrong, you’re making permanent wrong things. And that’s what the apprenticeship model has the risk of lending itself to. It’s not that every trustee that learns at the edge of the desk learns wrong, but the risk is too high because the fiduciary responsibilities and the duties are too high to run that risk. The other problem is that we have a dwindling pool of really qualified senior trust officers because of just the nature of the job. You’re a human being, you’re an individual, you age, you retire. And it’s not something that people go to school and say, when I grow up, I want to be a trustee. They fall into it sideways. And unless there are academic programs that are out there that people are aware of and that they can get some formal training, some formal education to enter into the field. Frazer Rice (07:49.742)Yeah Jennifer Zelvin McCloskey (08:03.82)Separate and distinct from, I’m in the field and now I want to get a CTFA. I want to earn my certification to really show that I have the chops in this area. We have this shrinking pool of expertise. We have a lack of knowledge, a lack of formal education, and an apprenticeship model that doesn’t scale. On top of, with the individual side and the corporate side, this massive wealth transfer and an explosion of trust complexity that’s all taking place at the same time. Frazer Rice (08:31.918)One of the issues at the corporate level too is that as you say that the impregnance model is not necessarily the best way to do it. They’re cutting back on training programs. The business model around being a trustee or even a specific trustee does not make the big money. And so the ability for those types of institutions to develop the people.who ultimately are now in a very sort of pro-employee environment where there’s such a demand for trustees that they can kind of switch around and get a 10 or 20 % bump each time they go because people are desperate to have them. There’s a real cavern there to try to create the permanence that you’re looking for in a structure that really rewards consistency over time, especially as it relates to discretion and process of decision-making. Jennifer Zelvin McCloskey (09:23.15)Yeah, that’s exactly right. And that leads to this revolving door in the industry, because people are just trying to make more money and they’re going and bouncing to different trust companies. And there isn’t that backfill. Just because it’s a trust company and there’s policies and procedures, trusteeship is about relationships that you make with your beneficiaries, the relationships that you develop with multiple generations in a family. And when you have somebody that’s acting and serving in that and they move, they leave, they’re no longer acting and serving in that capacity, a new personality comes into the mix and it can really be disruptive. So having that consistency and minimizing the attrition is so valuable. Frazer Rice (10:06.766)The other thing I try to bring up, especially to individual trustees, is that the thing that you’re signing up for is probably going to look a lot different in five or 10 or 15 years when people are aged on, they remarry, they have kids, etc. That the conditions are a lot different than what they were before. And it’s going to be difficult to take on a structure that has eight people when before there were two. Jennifer Zelvin McCloskey (10:37.517)Yes, and that’s that complexity, that increased sophistication and complexity of trust structures that are available now to people. With the increase in the exemption, these trust structures, they’re not necessarily changed. For example, qualified personal residence trust, if people really need that anymore, but there’s a ton of them sitting around there. Are trustees properly administering it? Did you actually transfer the real estate into the trust at the time? So there’s all kinds of sophisticated structures that the trustees may or may not have the right skills. But they’re saddled with having to do it. Frazer Rice (11:19.47)Let’s take a step back and just talk about the functions of a trustee for a second. I break them down basically into three. Which is the first one. You have to administer the trust, meaning you have to dot the I’s, cross the T’s, make sure things get executed, tax returns are filed, statements get sent out to the extent that that happens, and that the administration of a structure like that occurs. Then I talk about the concept that the investments have to be made monitored moved around decided and that they’re appropriate for all classes of beneficiary that are in there and then the distribution function which is The assets have to be distributed according to the law. First the trust then maybe the intent or the law if everything is silent and that those three things are very different components and that it’s tough to find somebody who’s great at all three housed within one brain. Jennifer Zelvin McCloskey (12:20.217)Yeah, I agree with that 100%. It is a three legged stool. It’s the investments, the administration and the distributions. And in that administration umbrella in and of itself, there’s a tremendous amount of work that sort of goes unsung. know, it’s not the sexy stuff where you’re investing and making a bunch of money for your income beneficiaries and managing to preserve the corpus for your principal or your remainder beneficiaries. And it’s certainly not the personal interaction that you’re doing with your beneficiary day to day. Making distributions, helping them, seeing the product of that help. It’s the making sure you file ax returns are properly. Understanding how to read that tax return. Even if you’re not preparing it, making a proper selection on the accountant that you’re using to prepare those tax returns if you’re not preparing it. Make sure to set up statements properly, make sure that in this world of silent trust documents that you’re not sending a statement to somebody who’s not supposed to have it. Communicating with beneficiaries on an even keel. Making sure that you’re not inadvertently violating your duty of impartiality because it’s more than just a substantive duty, there’s a procedural duty as well. That’s really, really challenging to find within one human being, let alone add on top of it somebody who’s financially savvy enough to understand investments and all of the different complex investment tools that are out there, as well as having the personality and the interpersonal skills to keep beneficiaries engaged and happy. Frazer Rice (13:56.426)Just on top of that, the EQ, the bedside manner, and the ability to simplify the complex, et cetera. At the same time, that dedicated note taker that is able to document everything that happens within a decision. Whether distribution or investment or otherwise, that it’s just two different people most times. I find that something falls apart as time goes on. Ultimately if things aren’t laid out correctly, that’s when conflict starts to simmer. Then you know if there is something that’s wrong. That’s allowed to compound that’s where you get into a huge problem later on. Jennifer Zelvin McCloskey (14:36.922)It’s all that feeling. People are behaving in ways that they may or may not be able to articulate their emotional proximity to. When you’re talking with beneficiaries. There’s something simmering under the surface that you inherited because you’re a trustee. You may not even be aware of it because the beneficiaries may not even be able to articulate it. You have to have a certain sense. A gut check of feelings of rntuitively being able to read what’s going on under the surface. To pull it out of people in a very balanced and even keel way. It’s not an easy job by any stretch of the imagination. On top of financial literacy and personal liability and executive functioning skills, being detail oriented, making sure your documentation is not overly explicit. isn’t, you know, scarce. You’re now wondering how and why did you make those decisions? People don’t think about the decisions that they make on a day to day basis. We don’t think in a way to articulate why I made this decision. Why I exercised this type of judgment. And that’s what we’re being asked to do as trustees is to document what is my decision making process? Why am I making the decision? What are my factors involved in making that decision in a way that’s defensible. If we ever need to defend it. Frazer Rice (16:05.292)Well, in favoring one class of people over another is usually where the rubber hits the road on this. People who are used to seeing the income from a trust and don’t want that touched come hell or high water. Then future beneficiaries who’d like to see the trust go from X to 2X to 5X. So that they have something larger to enjoy. You have a natural tension that you have to manage. It’s just not easy. If you don’t document the hows and whys of what you’re doing, you set yourself up for a problem. From one class or another looking at you saying, you you should have done it differently. To go back to that liability component. You’re the only one who sits in the chair of having made that decision. You’re the one with the bullseye on your back when it’s called to account. Jennifer Zelvin McCloskey (16:53.093)That’s right, that is exactly right. And now add on top of it, you’re just named because you’re Uncle Joe and everybody goes to Uncle Joe. You have no technical background and you just don’t know the landmines that are there. You don’t know what you don’t know. Wouldn’t it be wonderful if we were able to create a pipeline of really sophisticated entry level employees or folks that are, you know sophisticated in financial literacy that now want to take the job to become trustees, that we were able to give them this technical roadmap for what the job actually is and then have them get the ability to apprentice on all of those policies and procedures. What does this corporation do? How do we document things? When you’re trying to learn it all at one time, it’s like drinking from a fire hose. Let’s give people the ability to really have a chance at doing it successfully. Frazer Rice (17:53.048)So let’s dive into that pipeline issue for a second. We already diagnosed that the, let’s call it the trust companies or the banks are, they’re just not resourced enough. They can’t run people through an internal school to do it quote unquote correctly. The apprentice model really kicks in. Which means you’re at the sort of mercy of what people are good at, not good at, et cetera. People turn over quickly so that apprenticeship doesn’t even work anymore. The RIAs I think are the worst place to learn about this type of thing. They have a completely different modus operandi as far as keeping clients happy. The word fiduciary means something so different to them than it does to an actual trustee. I wouldn’t feel good about the training on that front to sort of create trustees And then so law schools. They’re they’re just trying to create people the trust in the states vertical as a general matter. Let alone trying to delineate into a trustee situation. You’re putting the pipeline together and you put these programs together. How do you stitch together the needs and what does that manifest itself into? Jennifer Zelvin McCloskey (19:07.642)So that’s a really, really good question. I think that the very first place that we start with answering that question is advising on a trust as an attorney. It’s different from the administration of a trust and the skills that you need for that. So when you create a program like this where you’re trying to teach about trust management. You have to start with the technical skill. The legal side of what is it that we’re even doing? What is a trust? What are the fiduciary duties? Where do they come from? Then we have to, after we teach or create a structure or foundation on what the legality is. Now we go into how does this translate into administration? So when I created the programs, I looked at what’s the law they need to know? What is the level of sophistication of the student? And what do I need to, from a foundational perspective, teach first? What are the building blocks? And then how do I translate that into administration? The one thing that I have found is trust law does not equal investment management. So if people are coming along… Frazer Rice (20:26.254)No question. I’m nodding audibly at that comment. I like that. Jennifer Zelvin McCloskey (20:31.226)Your fiduciary duties as a trustee are fundamentally different than those of an RIA, where some RIAs are not even fiduciaries by law. They’re not. So being able to delineate and explain where that line is, what makes you a fiduciary, what are those duties, after you know the legal basics. And taught to you at a level that you can understand. I don’t expect everybody to be a lawyer. And people have asked me time and time again, do I need to be a lawyer to know this? No, you don’t need to be a lawyer because you’re not advising on the law. You’re advising on the administration of a legal structure and how that administration affects the fiduciary duties that are inherent in the relationship. Then how those fiduciary duties are translated out to the beneficiary. That’s the way that I’ve always built these programs. Where do I start? Start with the law. Where do I go from there? Start with how the administration translates the law. And then how does that administration get heard by the beneficiary? Where does the RIA come into the mix? The RIA should not be dabbling in advising on trusts. They should know that they need to bring in somebody who has this particular skill. And if they’re not doing that, they’re doing the client a disservice by trying to give one-stop shop advice. Frazer Rice (22:06.85)Yep, no question about it. One of the things that…we delve into the world of trusts and their function, et cetera, is that you’re dealing with an ecosystem from client to outside advisor, whether RIA or even accountant, et cetera, that they’re looking for certainty and airtight. quality to these structures that you put them in place and then everything runs like a clock going forward. When in actuality, I think there is a bandwidth of risk around everything. And so it’s the poor trust officer or individual trustee who sometimes has to be the bearer of bad news to say, yeah, you know, I think this is going to work 98 % of the time, but there’s a 2 % problem here or we’ve got this to fix or something like that and everybody else sort of sighs with disappointment and gets mad at the administrative function when in actuality they’re really doing their job and trying to, you know, keep a lot of things that are spinning out of control kind of within view. How do you get a trust officer or that administrative function or even the full trustee function to be comfortable with that risk and everything that’s involved with that? Jennifer Zelvin McCloskey (23:20.504)You have to start with explaining that there is risk and we’re not our job is not as a trustee to eliminate risk. Our job is to manage and identify risk. It is inherent in the job. There is going to be risk. No matter what you do, you cannot divorce risk from trusteeship. It’s a matter of identifying perceived risk and actual risk. And if you can teach that, if you can teach These are the things that are going to trigger a likely outcome. They’re gonna trigger a likely risk. Then you can essentially, you can’t foresee everything. I mean, there are things that are just gonna happen. But in a trust instrument, you’ve got contingency plan upon contingency plan upon contingency plan. That’s what the flexibility of those structures are building. We need to, as trustees, be able to recognize What is the risk with contingency plan A? The risk with B? What is the risk with C? How can we minimize the risk? And how can we make sure that we’re managing perception of risk versus actual risk? Frazer Rice (24:29.31)as someone who’s been in trust companies, advised trust companies, advised trustees, and advised clients, the lack of appreciation for the management of that risk and that that as the intersection of the business model of trusteeship and risk management and use of discretion and making hard decisions and even kind of an insurance quality around these structures, how do you fix that, where people place a level of respect on the job that I think is completely lacking in the wealth management ecosystem? Jennifer Zelvin McCloskey (25:09.089)Absolutely. It’s a tough one to answer. How do you fix it? First and foremost, I think that it’s a top-down fix, especially at a corporate trust company, a bank, and even an independent trust company that’s not affiliated with a bank. The management has to… really understand the function of the trust company. For so long, it’s been just an extra service that we provide and and we’ll do this, the back office trust company. It’s really, really important that the management recognizes what the functionality of the trust company is and stops treating it as sort of a back office stepchild. From the corporate level, I think that’s the very first place we start. Frazer Rice (25:38.478)Mm-hmm. Jennifer Zelvin McCloskey (25:57.818)The second place we start is investing in our trust officers, investing in the team, giving them the education that they need, continuing to give them education, providing training programs, whether they be in-house, external, bring in trainers. None of this is set it and forget it. At the individual level, I think it’s really, really important to have functions like the Individual Trustee Alliance, groups like that, where you have an ability to talk to other professionals that are doing what you’re doing. That’s another way to impress upon people that we have to manage the risk and we can’t do it all alone. Nobody knows everything. You really have to, you have to talk to other people. You have to engage. have to, what is it called when we were practicing law and we’re a little bit outside of our comfort zone, we have to consult with other people who know more than we do. It’s our obligation as lawyers. It’s the same thing with a trust company, with a trustee, whether you’re an individual or you’re not. Widen that circle. Frazer Rice (27:08.474)I think this is my idea for the day that there’s got to be a bit of a public relations campaign sort of describing what’s going on here because I think especially when we go into the family members that sort of occupy these roles, they have no earthly idea what they’re doing. They’re usually doing it for free. Everything’s hunky dory up until a point and everyone hopes that everyone is not going to sue each other if something goes wrong. But the level of wealth that’s being transferred now is now so significant that everyone sort of talks about, AI is going to get rid of lawyers. Nope, not in fiduciary litigation. I think that’s a medium term growth industry, especially around insurance, around ILITs, around revocable trusts, around elder care. But this is my advertisement for people who are in law school looking for a productive way to go. I think that one is going to be, I think that one’s recession proof, at least for a while until I retire anyway. So my thought is that awareness over these things, and it’s probably going to take a very difficult case or a class action suit, something like that, where somebody really gets hurt in order for that awareness to come up. Jennifer Zelvin McCloskey (28:24.922)Yeah, I would agree. think that some of the solutions would include better trust education, you know, whether it be for RIAs, lawyers. Trust in the states is a throwaway class in law school. And there are so many law schools that are essentially rolling it back because bar exams aren’t testing it anymore in a variety of states. And ACTEC is definitely working with the law schools to try and increase trust in the states being taught and certainly being tested. So education for lawyers coming out of law school, education for RIAs that are advising on trusts, education for trust officers, for trust administrators, trust professionals in general, clear role delineation. What is the role of the RIA? The role of the trust officer? What is the role of the trustee if they’re an individual trustee? And then creating a culture of collaboration on what we’re doing as a team for the beneficiary, not substitution, but collaboration with the advisors and the trustees. Frazer Rice (29:32.59)Let’s go into the role delineation for a second. About 20 or 30 years ago, the concept of bifurcating or sort of cordoning off the different functions I described before the investment, the administration and the distribution has come into vogue. I think that came out of frustration with bank trust companies where you got one set of advice for every trust that they had as far as investments and distributions and administration and a lot of modern larger families wanted something a little bit more specific to their needs. And that’s really turned, it’s exploded as an industry for increasing sophistication and size of wealth. Along those different functions, where maybe the administration goes to a professional trust company or a trust officer in the state that you want, Then there’s some intersection maybe in the distribution committee. And then the investment side of it is a bit of a free for all, think, depending on what you’re, dealing with. How do you educate the, that continued the delineation, but the coordination within those types of structures. Jennifer Zelvin McCloskey (30:41.275)Yeah, I think it’s really important. And I’m a Delaware lawyer. I’m licensed in multiple states, but Delaware is my home. It’s where I learned how to be a lawyer. It’s where I grew up as a lawyer. So this directed trust model that you’re describing, where you’re bifurcating, truly bifurcating these particular functionalities of a trustee, it originated in Delaware. sort of, we didn’t, I mean, we invented it, right? We codified it. It was being done, but we codified it. The idea of making sure that everybody understands what their function is and knowing that there’s a limit of liability that’s built into the instrument and communicating what that means to the RIA that is named in the document. I can’t tell you how many times I have heard companies, heard trust companies say, we’re advisor friendly. And I’m like, not unless you’re directed, you’re not. Frazer Rice (31:37.528) “THE TRUSTEE CRISIS: Navigating the Challenges”Yeah. Jennifer Zelvin McCloskey (31:40.439)If you are directed, you are 100 % advisor friendly because there’s no chance that that trustee is going to try and take the investment management. They’re not a portfolio manager. Not a clerical administrator. They’re not a passive rule follower. We need to identify what does that trustee actually do when they are an administrative or directed trustee. Clarify that role so that people who are engaged in this bifurcation, this structure where we’ve got a distribution committee, maybe it’s individuals who are close to the family, close to the beneficiaries, where you don’t have somebody who’s objectively uninvolved with the family members making decisions as to whether or not there’s a distribution that should be made. But also advising those rolls those advisors that your administrative trustee is not just a pencil put a paper pusher. Not just checking boxes. They really do add value to the role that they provide and making sure that everybody understands what each other are doing, having regular meetings amongst the team instead of operating in a vacuum or operating in a silo. And taking the approach of it’s not my job, misunderstanding trustee powers and the advisor’s authority. So when that’s delineated, when that’s really understood, not just by the advisors, but also by the beneficiaries, there are so many beneficiaries out there, Frazer, that have absolutely no idea that they actually hold all the cards. They don’t know. Frazer Rice (33:25.87)Along that line, so in the administrative, we just walked through pretty nicely. The distribution function is one that, let’s talk a little bit for a second about what it means to ask a trustee for a distribution and maybe the difference between income and principal and why having a steady hand at the wheel within that function, whether it’s a corporate trust company of qualified individual or family input in that function, why real good thought needs to go into how that’s staffed. Jennifer Zelvin McCloskey (34:04.73)Yeah, absolutely. 100%. In a corporate trustee ship or a corporate trust company structure, there’s always going to be distribution committees, right? So if you are the trustee, you’re going to have to go through a committee that’s looking at what your reasoning is for making that distribution. They’re asking questions about what have been the prior distributions? Have they come from principal? Have they come from income? What is the spend rate on that trust? How is this going to affect long-term spend rate? Is this an aberration? Is this something that’s gonna become a habit? Really understanding what the distribution, the guidelines are in the trust. What is the distribution standard? Making that decision? What are our factors? And how many people are at the table? Who’s communicating that to the beneficiary? Does the beneficiary know that the trust officer alone does not have the ability to say yes or no? That when they’re in this ecosystem of a corporate trust company, they have their checks and balances to make sure that that risk is being managed. So when you’re looking at corporate trust companies, are a lot of layers behind understanding what the distribution standard is, whether it’s hems or if it’s purely discretionary. The other thing that you need to look at when it’s not a corporate trustee and it’s an individual trustee is, how is that individual trustee making that decision? Are they doing it in a vacuum? Alone? Are they favoring one beneficiary over another because they like them more, you need to have some communication to the beneficiaries so that they understand what they are, what their interest is, what they are entitled to, if anything, and why the trustee stands in that position as the gatekeeper. And I really think in my heart of hearts, we need to make a shift from a gatekeeper trustee Jennifer Zelvin McCloskey (36:16.708)to a beneficiary enhancement trustee, where the beneficiary is really taking on the understanding that the trustee is there to facilitate enhancing the beneficiary’s life. That even though the trust may have started at the outset as a tax strategy or something that the grantor decided they needed to do with the advice of counsel. At the end of the day, you wouldn’t have been named as the beneficiary if there wasn’t some sense of love or obligation even, that it’s for your benefit. It’s in the name. Beneficiary. Trustees need to understand that and beneficiaries need to be taught. Frazer Rice (36:54.958)Right. Frazer Rice (37:00.646)And it goes to the circle back to the notion of making sure that you write down the whys of the decision because ultimately if the concepts of favoritism or you didn’t communicate this or anything, the idea of having the beneficiary submit a budget but having them understand why they are submitting a budget and then if there is some discretion that’s happening around that decision that the data points that are informing that discretion, that’s gonna keep everybody safe a lot later on. Jennifer Zelvin McCloskey (37:32.666)Absolutely. I break it down into a couple of different factors. It’s fiduciary decision making. How is that fiduciary making the decisions they’re making? Why are they making those decisions? And who is being affected by the decisions? Document interpretation. Do you understand the document that you’re administering? If you don’t understand the document you’re administering, hopefully best case scenario, you know what you don’t know and you ask. But if you don’t understand the document and you don’t even have the wherewithal to say, hey, I need help to understand the document, it’s really problematic. The third part, balancing beneficiary interests. Really taking on board this idea of the principal income problem that all the assets in the trust are not the same. That some of it doesn’t at all in any way affect a certain class of beneficiaries. And at the same time, it’s inextricably intertwined in the way that it affects another class of beneficiaries. And then risk management and governance. How is this being governed? How are we managing perceived and actual risk as a trustee? Frazer Rice (38:40.13)The investment function, which I alluded to before, I see storm clouds on that horizon, not really at the RIA level, because I think there’s sort of a default mode that investment policy statements are in place. Diversification is a true commodity at this point. And I never really worry about an RIA sort of understanding how to invest to get to a certain expected return and deal with the risks and drawdown and all that stuff. The storm cloud I see is when individuals sit in that role and they are being tasked with, let’s call it quote unquote, overseeing concentration, meaning that trust is holding a building, farmland, a nuclear reactor, crypto, all of these different things that sometimes can be, A, they have their own different maintenance responsibilities that are not just looking at a fidelity statement, but that they also have their own volatility And, you know, in the case of a building, you got to make sure it’s managed correctly. are they going to get sued or the windows kept up, all of that stuff, and that there’s a whole different component there. And I’m waiting for the shoe to drop on some fact pattern there where somebody is sitting in the role of an investment advisor. It doesn’t say trustee in the document, so they don’t really think that they have trustee liability. But. they sit in that role and all of a sudden somebody finds 10 55 gallon drums of green fluid in the basement of a building and all of a sudden the trust has a big set of red brackets that say minus $100 million that you owe to the federal government and the EPA. How do you think about that? Jennifer Zelvin McCloskey (40:21.454)Hmm. Jennifer Zelvin McCloskey (40:25.242)That’s a heavy question. so the Delaware stock answer, obviously, direct it, right? It’s just to get the trust, cut off the liability. At the first, at the inception of your hypothetical is bad drafting, right? So if there’s no statement as to whether or not your investment advisor is acting as a fiduciary or not, Frazer Rice (40:35.042)Right. Jennifer Zelvin McCloskey (40:52.836)What does your statute say? Does your statute impose that they are as a default a fiduciary or not? So that’s the very first step. That’s bad drafting. We need to know. But if it’s silent, let’s say it’s just a lousy document, there’s, God knows. Anybody who’s seen trust documents knows that, you’ve seen them all, right? And everything in between. Some are good, some are bad. If this is a bad one. Frazer Rice (41:13.08)Seen good and you’ve seen bad. Jennifer Zelvin McCloskey (41:20.079)Then we need to document the statute. If we can correct it, modify the document, let’s modify it. But if all of that can’t happen, then I would say the best way to handle it, make sure you have adequate insurance. mean, over-insure that, over-insure it. Make sure that there’s regular checks on the actual… Assets that are in the trust, if you have a concentration and that concentration is real estate, get the advice of counsel, put that bad boy into an LLC, get yourself some distance from the actual asset itself being held in the trust, hold an interest, hold a financial interest, push it down to the corporate level. But if you can’t do all of that and you’ve got those 500 gallon drums of green fluid and now you’re… Frazer Rice (42:14.286)You Jennifer Zelvin McCloskey (42:15.371)You you’ve got a super fun site. What do you do? You don’t shy away from it. Have to address it head on. You got to take the accountability. You got to communicate and document, communicate and document some more. Talk to your beneficiaries. Make sure that they’re aware of where it went wrong, why it went wrong. Because I have found in my exposure in the industry over time and in reading case law, it’s when you’re trying to cover stuff up. Frazer Rice (42:43.913)Jennifer Zelvin McCloskey (42:44.027)You’re just making more problems. Bad news doesn’t age well. It doesn’t get better over time. You have to approach it head on and make sure that there’s communication and documentation. Meet with your beneficiaries. If there’s a trusteeship where you are appointed as a trustee individually and you’re not having at least quarterly meetings with your beneficiaries, If you’re not going out and seeing the asset, if you’re not going out and making sure that the asset is properly custodyed, you’re not, you’re violating your fiduciary duty. You are not doing what you’re supposed to do. Frazer Rice (43:21.804)You brought up an interesting word there, custody, which is the administrative function, whether held corporately or individually, one of the major things you have to do is to safeguard the assets. And that’s a big two syllable word that carries a lot of weight with it. That custodial function, how do you teach the trust officers or the individual trustees where that starts and stops? Jennifer Zelvin McCloskey (43:48.579)Yeah, mean, custody is super, it’s a really touchy, touchy subject, especially with the dynamic way that trusts have developed in the current climate from tangibles. You know, I’ve got artwork and my beneficiary wants to hang the artwork in their house. Well, do you have custody? Has it been assigned to the trustee and how do you maintain that asset? Make sure nothing’s happening to it. Do make an appointment, go over to the, visit your artwork? What if it’s prize horses, you know? What if it’s, you know, a stud that, you know, we’re gonna need to breed and it’s gonna be the next Triple Crown winner? How do you make sure that the barn is properly safeguarded? It’s a really touchy subject, especially with things like tangibles and things like assets held away when you technically custody the asset, but you don’t have control over the asset. I think in the education part for custodying, what I do in my programs and when I teach this is I make sure that we talk about different types of asset classes. And what the risks, again, what are the risks that you run with these asset classes? How can we manage the actual and the perceived risk of holding that asset? Even if you have custody and name only, but you don’t have physical custody, how do you maintain your control over that asset? Because it’s really the C’s, right? The custody and control. Just because you don’t have custody doesn’t mean you don’t have control. So we have to make sure that there’s an education that’s provided about the different asset classes, whether it’s tangibles, intangibles, assets held away, if it’s a concentration of stock, if it’s crypto, and most trust companies are not taking crypto. I think that there’s like a circuitous way that they’re getting in right now, but it all boils down to education, isolating what the issue is and educating people on it. Frazer Rice (45:59.586)I’ll give you a third C, it’s consequences, which is what happens when you don’t understand these functions. on the crypto side of things, Jennifer Zelvin McCloskey (46:01.786)Uhhh Frazer Rice (46:11.544)Holds the key to get to the crypto. What happens if that trust officer quits and walks away with the key and they’re like, well, multi-sigil figure this out. I’m like, okay, that’s not that. That doesn’t make me feel great at the moment. And now there have been some advances, which is good, but traps for the unwary to be sure. the good news too for crypto is for people who want exposure, the spot ETFs take away 90 % of the problems with that. But as we start to think about winding down here, because I have a feeling we could probably talk for four or five hours on this subject, when putting your programs together, what does a curriculum look like? And we don’t have to go through it bit by bit, but how does that work when someone comes to your program? How much time does it take? What’s the commitment? Jennifer Zelvin McCloskey (46:47.172)Yeah, I think so. Frazer Rice (46:54.851)Mm-hmm. Jennifer Zelvin McCloskey (47:06.33)So the program that I created that’s really available anywhere across the country is called the Peak Trust Management Certificate Program. Peak Trust Company, may be familiar with it. They have name rights because they gave the donation to the University of Delaware for me to build the program. So it’s housed at the Lerner College at the University of Delaware, but bears the name of Peak Trust Company. I look at five different things. The first thing is trust law and administration. So like I said previously when we were talking, you lay that foundation of what is the legal component of this? What is the baseline that people have to know? And then what is the administration? The second component is, and it’s inextricably intertwined as taxation. What is the income tax? What are the deductions? And now let’s take all of that income tax knowledge, individual income tax knowledge, and build on it with fiduciary income tax. What is DNI? What is FAI? How does it go out to the beneficiary? What’s the character of the distribution? How do we manage that? What are we deducting in the trust? So teaching taxation and not because trustees necessarily are tax preparers, but because the trustees obligation is to be able to understand and read that tax return, they need to know how to spot problems. So from my perspective, teaching fiduciary income tax is a critical component. It also helps. Yeah. Frazer Rice (48:38.828)No, no, I was gonna say no question about that. And there are elections to make, just because it doesn’t just go on autopilot, there are choices to be made so that if you’re the trustee, you may not have to prepare the tax return, but you may have to make a choice on the tax return and you’ve got to be informed because that can be an issue. Jennifer Zelvin McCloskey (48:58.651)65 day elections, perfect example, right? You just, you need to understand what your role is and how it overlaps with that of the CPA. The third part, of course, investments. Investments are inextricably intertwined, whether you’re doing it yourself as the trustee or you’re directed or even delegated, which is like the hairy scaries of every trusteeship known to man, because you’re not actually in control, but you’re responsible. So it’s the gray. When I build a program, because of the, you know, the directed trusteeship being so popular in today’s day and age, we have to talk about not just investments of, you know, marketable securities, not just the custody of tangibles, but also subscription documents, because so many alternatives are held in trust right now. unique assets, need to know how the trustee is actually carrying out their fiduciary duty when it comes to engaging in an investment that is an alternative investment. The fourth component is of course compliance. We cannot ever get away from compliance and I think we could do a whole nother podcast on compliance in trusteeship but. You know, it’s a regulated entity. And even if you’re an individual trustee and you’re not using what those compliance frameworks are, what the guidelines are by OCC, Reg 9, FDIC, if you’re not looking at that and using that as a guideline, don’t do the job. understanding KYC, BSA, AML, all of those compliance components that have tentacles. That’s the fourth part. And then for the fifth part of this program, because it’s specifically geared toward trustee education in trust companies, although it can be applicable, very applicable to individuals, is operations. I was very fortunate that I was able to partner with SCI on building the operations component. So we license their platform called Plato. It’s essentially their training platform. Jennifer Zelvin McCloskey (51:12.888)so that trustees can see how fees are set up, fees, that’s a whole other podcast, fees, statements, distributions, how are we doing this? How are we documenting everything? What are the logistics of the day-to-day operations? So that’s how I built the program and it’s available anywhere in the country. It’s 10 weeks, how long does it take? I would say from three to five hours a week of an investment that you’re making at a bare minimum. Obviously there’s a whole lot more of depth that you can go into. The resources are built in. But I would say 10 weeks, about 50 hours of time where you’re actually engaging with the material. And then I bring in guest lecturers on each different area of expertise for lack of a better description. And they get a certificate at the end, they get a digital badge, and now they really have something where they can add value day one in a trust company or as a trustee. Frazer Rice (52:17.902)With Delaware being, you one of the real gold standards as far as trust jurisdiction, I assume that everything that comes out of this program is pretty transportable to the other useful jurisdictions, let’s call it, within the country. know, the Tennessee’s, the South Dakota’s, the Nevada’s, the Alaska’s, Wyoming’s, New Hampshire’s, et cetera. Obviously, there are hairs to split with different foibles in their law, but everything that you’re describing sounds like works everywhere else. Jennifer Zelvin McCloskey (52:47.928)And I’ve always taken the approach, you’re 100 % correct, I’ve always taken the approach of UTC. I base everything off of UTC and if there’s something different or unique based upon the jurisdiction that you’re in, I always encourage people you have to look at your statute, you have to look at the jurisdiction that you’re actually practicing this in and administering in. I use Delaware, South Dakota, Alaska as examples quite often when we’re talking about the directed stuff, but By and large, it’s UTC. Frazer Rice (53:20.966)It just a weird subset. So special needs trusts and islets, which are two types of trusts, very specific. One holds life insurance. The other is designed to really take care of people who can’t take care of themselves. And they are types of trusts that a lot of trust companies don’t like to take on because the liability is harder or the profit margin is less. For those individuals who get the opportunity to participate in those and I put that in air quotes. How would you advise people to get ready for those types of situations? Jennifer Zelvin McCloskey (53:58.308)People who are in need of those types of trusts. Frazer Rice (54:02.122)Well, maybe both. The people who need those trusts, you know, they’re going to, they, you know, it’s almost like they get set up and then the staffing gets kind of figured out later, barely. And then, you know, the, for the people who end up taking on that role, they really have no idea of what they’re in for in a sense. Is there sort of like a mini, I’m not going to say a full course like you’re describing, but a crash course in, in what’s going on here and what can I do to keep myself safe? Jennifer Zelvin McCloskey (54:30.271)Unfortunately, no, I don’t know of one. and there isn’t much built in. there’s, we talk about a little bit in the program that I built, but, those are specialized and eyelets we talk about a little bit more there, you eyelets had their day and sort of they has done ish. but special needs trust. It’s a whole other ball game because It really incorporates state law and social security and Medicaid, all of those government benefits that I think you would need something more specialized than my program that I developed. And I don’t have a great answer for that, I’m sorry. Frazer Rice (55:12.482)No, there’s not a great answer for it because it’s tough. it’s a, all of which is to say for someone who’s involved with those things and feels confused by what’s going on, that’s one where it’s worth it to spend the money to lean on a dedicated Medicaid elder care, special needs type of lawyer on that front because there are traps for the unwary. Okay, now we’re starting to butt up against an hour here of. Jennifer Zelvin McCloskey (55:29.764)Yes . . . Frazer Rice (55:38.827)Four hours. No, I’m kidding listeners. We’re not going to talk for four hours, but How do people find your program and and then I’ll ask a bonus question at the end Jennifer Zelvin McCloskey (55:49.339)So the program is on the University of Delaware’s website. You just type in peak trust management certificate and it’ll pop up. My name will be there. I think my picture might be there. It’s all over my LinkedIn. So if you look me up, you’re going to see the peak trust management certificate program. You can always email me, jennifer at zeldenlaw.com. Happy to push people into it. start, I’m in the new cohort right now. We’re two weeks into a 10 week program. But we have a new cohort starting in May. I think it’s May 4th. So may the fourth be with you. Frazer Rice (56:24.622)Terrific. So the final question here is really more of a crystal ball question. In this trust industry, trustee industry, what are the real, I’m going to say opportunities out there, and we’ve sort of painted a picture of doom and gloom and its low profit margin and things like that. Where can someone who is thinking from a business perspective about this find something? Once they’re properly educated about it and being able to participate in it. Jennifer Zelvin McCloskey (56:57.582)There are so many opportunities. There is an absolute need for good trustees everywhere. Trust companies from coast to coast, individual trustee alliance. People really, really need trustees. There’s tremendous opportunity with Heritage Institute, not the Heritage Foundation, but the Heritage Institute. There’s opportunities with…various family offices and various trust companies for education, for beneficiary education. So many opportunities out there. Trust companies are just clamoring for people. So if people are interested in becoming a trustee, getting that education, you will not have a hard time finding a job. Like you said, it’s basically recession proof. This wealth is going to transfer. We need sophisticated, knowledgeable trustees. on the receiving end of that transfer so that it happens correctly. Frazer Rice (57:56.578)I’d go so far as to say financial advisors. I just gotta say, a CFP is useful, CFA is on your investment side, but something like this, you know so much more about how intergenerational wealth works than what’s happening in those particular situations that I think it helps people stand out when I see something like that on a resume. Jennifer Zelvin McCloskey (58:00.302) “THE TRUSTEE CRISIS: Navigating the Challenges”That’s all the podcast. I hear you. I hear you. Frazer Rice (58:24.386) “THE TRUSTEE CRISIS: Navigating the Challenges”All right, with that, Jennifer, it’s great to catch up and I will have all of your information on the show notes and I will either see you at the ITA conference in Dallas or what I’m down in Delaware next. More Around “THE TRUSTEE CRISIS: Navigating the Challenges” BUILDING A TRUST COMPANY TENNESSEE AS A JURISDICTION DIRECTED TRUSTEES DELAWARE WELL BEING TRUST THE TRUSTEE CRISIS: Navigating the Challenges https://www.amazon.com/Wealth-Actually-Intelligent-Decision-Making-1-ebook/dp/B07FPQJJQT/ Keywords for THE TRUSTEE CRISIS: Navigating the Challenges trusteeship, wealth transfer, trust management, fiduciary duties, trust education, estate planning, risk management, trust administration, individual trustees, trust companies, the trustee crisis, navigating the challenges, the great wealth transfer,

La voz es nuestro otro DNI. Y además, es la herramienta para captar la atención de otras personas, para presentarnos al mundo y para lograr alcanzar nuestros objetivos. Hablamos con la experta Marta Pinillos, con quien conversamos sobre algunas claves relacionadas con la voz.

This week on Tapod we catch up with the amazing Natalie Flynn, Founder of Equidi, to discuss the latest WGEA gender pay gap and all things International Women's Day. We are making baby steps into our pay gap, but it's not enough and we're not sure we're even measuring the right data… What we can be sure of is that in many industries, there are still more opportunities at the ‘top end' of businesses for males, from management to the ‘C-suite'. We touch on AI and its impact on the gender labour market and much more. It's not about cupcakes; it's about action, and it's time we all took action… real action. PS. Who's up for a road trip to Canberra?Thanks to Taly for partnering with us this month. 

Enviar una copia digitalizada de nuestro carnet de identidad para reservar un coche o permitir su escaneado al llegar a un hotel puede tener consecuencias inesperadas. Sonia Ballesteros hala con dos expertos en ciberseguridad para saber cuáles son los riesgos y cómo prevenir sorpresas desagradables al facilitar nuestro DNI a un comercio. 

Explicamos los derechos de los pasajeros afectados por las disrupciones en el tráfico aéreo en Oriente Medio. Averiguamos qué datos de nuestro DNI son más sensibles y cómo evitar que los ciberdelincuentes se hagan con ellos. Y nos adentramos en el mundo del Corpinnat, el espumoso catalán que planta cara al cava. 

Javier Riaño, de IronIA Fintech, importancia de las clases y las retrocesiones, que ahora que se busca seguridad con fondos monetarios. “El fondo es un vehículo que en España no se ha hecho relativamente fácil el conocerlo en profundidad”, afirma el invitado. Además añade que tiene varios matices, ya que como señala es que el más importante es que“el mismo fondo tiene varias clases”. ¿Qué significa esto? El experto explica que “el mismo producto si compras la clase A te cuesta un euro y medio y si te cuesta un clase C un 0,50”. Señala que es “similar a cuando vas a un supermercado y el mismo producto en un supermercado y en otro distinto te cuesta diferente”. Javier Riaño también habla del código ISIN en los fondos de inversión. “El código ISIN es el DNI, te marca todo: el coste, la divisa, si paga dividendos o no”, afirma el invitado. “Entre los códigos ISIN que son diferentes lo que se diferencia entre ellos es el coste y también puede haber que uno sea en euros y otros en dólares”, asegura el entrevistado. ¿Cómo puede elegir el cliente entre todos estos fondos? El invitado destaca que destacan con símbolos para que el consumidor no se pierda. ¿Para qué la compañía da a elegir todas esas opciones? El entrevistado destaca que la compañía “enseña todo” y además asegura que “a la gente que no tiene ese conocimiento le damos ese servicio de gestión discrecional”. ¿La volatilidad en el mercado está provocando que esté entrando más dinero? “Los movimientos bruscos del mercado lo que hacen es retraer a la gente” y también asegura que esto hace que adquieran fondos monetarios de hasta un 1% de gestión, cuando “en IronIA te puedes encontrar fondos con una comisión de un 0,10%”.

KEĎ SA ŽIVOT DÁ DO POHYBU: Život sa niekedy rozbehne sám a všetko je v pohybe. Dni plynú rýchlo a zrazu cítime viac energie. Možno nás chvíľu ponesie. A možno nás niečím inšpiruje.   AKO STRÁCAŤ A NEPRESTAŤ MILOVAŤ V živote všetci strácame. A zároveň sa učíme sa umeniu života - ako neprestať milovať. Nechajte sa inšpirovať spolu s nami hudbou Johanna Sebastiana Bacha. Ponúkame desiatu z 30 Goldbergových variácií, ktorú interpretuje talentovaná klaviristka Kimiko Ishizaka. Táto variácia nás v Plamienku priviedla k zamysleniu nad zmenou. Ako to máte Vy?

It's your weekly dose of the Scoop from Tapod with all of your TA & Recruitment news from here and abroad. We cover all sorts of headlines, including… Lauren Anderson from Indeed joins us to talk Health Sector,  Tinder the new LinkedIn, most non-competes to be banned, the latest WGEA numbers, Gen Z playing up again, and Square acting like… well… squares.Thanks to Indeed for partnering with us on The Scoop. 

This week on Tapod we catch up with Kimberley Lawrie, world-famous Talent Leader from brands such as Telstra, Holden, Jetstar, Myer, Aesop, Mars and Cotton On. But right now… Kimbo is in between roles, and we explore the world of the unemployed Talent Acquisition professional. From Candidate Experience to AI in the Recruitment Process to the state of the TA, and even authoring a children's book, we unpack what we all fear – searching for a job... It's compelling and frustrating, but we do it with a smile on our faces! Thanks to Taly for partnering with us this month. 

Buenas muchachada hoy os cuento algunas anécdotas del DNI y un par de cosas que se me habían quedado en el tintero. Métodos de contacto: Mastodon: @PapaFriki@mas.to Correo: alberto@papafriki.es Web: http://www.papafriki.es Telegram: t.me/papa_friki Youtube: https://www.youtube.com/channel/UCAl-ql8V1IUZKYYLhhUVCYw Linktr.ee: https://linktr.ee/papa_friki Feed podcast: http://feeds.feedburner.com/papafriki

Get strapped in for a special episode of Tapod, where we sit down with James Ellis—Global Talent Strategy Expert, best-selling author, and one of the nicest people you will ever meet. EB has evolved into Talent Strategy, and here is your chance to come along for the ride. There are a million different gold nuggets of inspiration here… from helping recruiters escape from the cost-centre box... killer candidates over a full funnel… every company has a point of difference and a heap more.But don't take our word for it. Take a listen yourself and then book your seat for the Masterclass in Melbourne in September—that's right James is headed our way, and it will sell out quicker than a Swifty concert. Check out the link in the show notes. Thanks to the team from Video My for supporting this episode and the masterclass.https://events.humanitix.com/james-ellis-master-class?c=tapod

Cristina Gomez discusses Pete Hegseth confirming Pentagon compliance with Trump's UAP file release directive, Tulsi Gabbard's statement that UFO files will be released soon, the Space Force's growing role in UAP detection, and Jeremy Corbell's claim that an active debate about radical honesty is happening at the Pentagon and White House right now.To see the VIDEO of this episode, click or copy link - https://youtu.be/2ZGpgEd-QqoVisit my website with International UFO News, Articles, Videos, and Podcast direct links -www.ufonews.co00:00 - The UFO Bingo Card 00:49 - Hegseth's on UFOs03:11 - Space Force & UFO Data04:22 - UFOs Go Quiet at AARO 05:03 - DNI's UFO Yes Moment07:46 - Congress Demands UFO Files08:20 - The UFO Honesty DebateBecome a supporter of this podcast: https://www.spreaker.com/podcast/strange-and-unexplained--5235662/support.

It's your weekly dose of the Scoop from Tapod with all of your TA & Recruitment news from here and abroad. We cover all sorts of headlines, including… AI FOMO drives risk, Greenhouse talks 'AI Doom Loop', Public wage growth on the up, job ads rise at a rate not seen since 2022, discrimination against the LGBTIQ+ workers on the job increases in Australia, gender pay gap update, Gen Z proven to be a generation of laziness, the heavens open mid-record and much more…  Thanks to Indeed for partnering with us on The Scoop. 

The Epstein Files chaos has exposed serious failures inside the DOJ. Is it time for AG Pam Bondi to step aside? This episode breaks down what the Epstein Files reveal, what they do not, and why accountability requires more than document dumps and political theater. The controversy surrounding the Epstein Files has spiraled into confusion, speculation, and institutional dysfunction. This analysis separates allegation from evidence, examines the Department of Justice's handling of the release, and asks whether meaningful reform is possible. Covering everything from due process and the presumption of innocence to congressional grandstanding and structural oversight failures, this episode delivers clarity in a moment dominated by noise. What You'll Learn Why the Epstein Files chaos reflects deeper DOJ leadership failures The difference between moral outrage and prosecutable evidence How Congress contributed to the dysfunction through performative oversight Why chaotic disclosure without context damages public trust What a serious, structured accountability commission should look like What Attorney General Pam Bondi and the DOJ can learn from the restructuring of the DNI under Tulsi Gabbard This is not about protecting the powerful. It is about restoring equal justice under law and demanding competence from institutions that hold immense power over American lives.

This week on Tapod we catch up with Andy Steeds—Head of Talent Acquisition at Capgemini Australia & NZ. It's a great opportunity to revisit Capgemini's fantastic win in the category of Excellence in Diversity, Equity and Inclusion at the 2025 ITAs. From managing pay gap to working within an environment of the global 'anti-movement', Capgemini navigates DE&I in a modest, understated but passionate fashion, ensuring it is at the forefront of strategy and purpose.Thanks to Phenom for partnering with us this month. 

Friday is always a great opportunity to uncover the sordid details of stories dumb enough to be the Crime of the Century, but just end up buried under the pile of Crimes of the Millennium. Today starts with a perfect and crystalline example of Trump's criminal genius, a way to monetize vanity itself! So it turns out that DOGE was every bit as dumb as we thought it was. It's all here, but it comes down to this: they asked ChatGPT to make a list of "woke DNI" stuff they could eliminate, and then they just did it. Apparently forging the signatures they needed along the way. (Again!) So, yes, that British fellow, Andrew, was in fact arrested for some crime that was not specifically related to his being a giant pervert. But in the Al Capone tradition: 1) that may be ok, at least for now, and; 2) it's really all the same crime, anyway. This just in: SCOTUS rules against Trump in a case he intends to ignore or otherwise work around! This time, it's the tariffs, at long last! Can we depend on them to rule against him on Virginia's redistricting? Because we may have to! Here's a scary thought to carry into your weekend: 96% of the world's nuclear weapons are now in the hands of authoritarian rulers! Among the world's nuclear powers, only Britain and France remain genuinely liberal democracies.  Will you be able to read about that on the Internet? That's less likely now than ever. (At least during the time in which there's been an Internet.)

Buckle in for a special episode of Tapod, where we sit down with Cliff Jurkiewicz, VP Global Strategy & Futurist at Phenom. I have to say this was one of the most interesting conversations I have ever had. From early life as a touring rock star to piloting his own plane and dealing with family tragedy, Cliff has had quite the life. And it doesn't stop there… The insights into ‘the death of industrial-age recruitment,' the divorce between HR & Talent and a perfect storm of technological and generational change are mind-blowing. Cliff will certainly be back with us, but in the meantime, enjoy this scintillating chat!Thanks to Phenom for partnering with us this month. 

It's your weekly dose of the Scoop from Tapod with all of your TA & Recruitment news from here and abroad. We cover all sorts of headlines, including… Breaking News in the breakup of 2 HR Tech juggernauts, AI jobs that are 'safe,' rethinking entry-level pathways, IBM tripling their hiring, work is a situationship, ANZ charging $10 for a sausage sizzle. And much more.Thanks to Indeed for partnering with us on The Scoop. 

This week on Tapod we catch up with Adam Buxton—GM Talent Acquisition Transformation at Ventia. We ‘get down and dirty' with the launch of the new Ventia Talent Marketplace—the process in the lead-up, the lessons learned, and the future ahead. It's a real Rec-Tech success story and could help you in your transformation journey.Thanks to Phenom for partnering with us this month. 

It's your weekly dose of the Scoop from Tapod with all of your TA & Recruitment news from here and abroad. We cover all sorts of headlines, including…  Candidates paying recruiters in the US, MAFS is back! Companies scrambling to rehire humans, Good jobs news from the UK, Women in Tech & Finance subject to AI bias. And much more.Thanks to Indeed for partnering with us on The Scoop. 

Former White House Chief of Staff & Mayor of Chicago, Rahm Emanuel joins the Chuck ToddCast for a wide-ranging conversation on the forces shaping America’s political and economic future. He discusses why the 2028 election will be about what’s ahead—not what’s behind—and argues that understanding AI, energy, and the changing nature of work is now essential for anyone seeking leadership. Emanuel makes the case that education and vocational training remain the clearest pathway to the middle class, warns about declining reading proficiency, and examines what schools must do to prepare students for a rapidly evolving world. He also explores how both parties lost their way on education, why fundamentals matter, and what voters are really demanding from the system. The discussion then turns sharply to politics, power, and the health of American institutions. Emanuel weighs in on Trump-era controversies, Congress’s weakened role, and concerns about election integrity and the post-election environment. He outlines how Democrats can rebuild a winning coalition by welcoming independents and former Republicans, focusing on economic fairness, and preparing for a potential 2026 wave election. The episode closes with a global lens—covering U.S.–Israel dynamics, political polarization, wealth inequality, and whether national service could help reunite a fractured country—framing a central question: if the midterms fail to reset the trajectory, what comes next for American democracy? Get your wardrobe sorted and your gift list handled with Quince. Don't wait! Go to https://Quince.com/CHUCK for free shipping on your order and 365-day returns. Now available in Canada, too! Protect your family with life insurance from Ethos. Get up to $3 million in coverage in as little as 10 minutes at https://ethos.com/chuck. Application times may vary. Rates may vary. Thank you Wildgrain for sponsoring. Visit http://wildgrain.com/TODDCAST and use the code "TODDCAST" at checkout to receive $30 off your first box PLUS free Croissants for life! Link in bio or go to https://getsoul.com & enter code TODDCAST for 30% off your first order. Timeline: (Timestamps may vary based on advertisements) 00:00 Rahm Emmanuel joins the Chuck ToddCast 01:30 What does the average week look like for Rahm Emmanuel? 02:30 Trying to get a good understanding of AI & energy distribution 03:30 Candidates better understand AI because it’s driving economy 04:00 2028 election will be about the future not the past 05:30 Education and vocational training are the ticket to middle class 07:00 Coding used to be the most sought after skill, now it’s irrelevant 08:00 How to prepare students for a rapidly changing world? 09:30 AI won’t eliminate vocational professionals 11:15 Students are at a 30 year low in reading proficiency 12:00 Education is a highly motivating issue for voters 12:30 Vouchers don’t help rural communities 13:30 GOP has abandoned public ed, Dems abandoned accountability 14:45 Governors used to compete to be the “education governor” 15:30 Lotteries became the popular way to fund public education 16:15 Mississippi found a successful education model & it was copied 18:45 If schools focus on the fundamentals, scores go up 20:15 Trump’s UAE corruption scandal the worst in history 21:45 Trump is supposed to work for the voters checkbook, not his own 22:30 Trump’s pardons are almost exclusively for white collar crime 24:15 Congress has completely abdicated their responsibility 25:45 Founders were very worried about a corrupt executive 27:15 Major international shakeups and DNI is at Georgia election office 28:45 There are certain features of elections Trump can’t screw with 30:30 Rahm is more worried about the post election environment 31:15 The institutions have failed, but the people will protect this country 32:00 Worried that Mike Johnson may screw with the seating of new congress 33:00 Mike Johnson doesn’t have Mike Pence’s courage 35:30 What issues should Democrats should prioritize to win elections 36:30 2026 will be a wave election, presents chance to win local/state races 38:00 Tax refunds won’t be the electoral boon Republicans think they will 38:45 There’s no upside to being a long-term planner in American politics 40:00 What states should Dems target outside the 7 battlegrounds? 40:45 Never Trump Republicans finding more affinity with Democratic party 41:45 Democrats need to welcome former Republicans & independents 43:00 Unaffiliated voters are where you get your electoral majority 44:30 Progressive vs. Moderate viability for Democrats 47:00 Democratic electorate is always looking for someone new 48:00 The future will be on the ballot in 2028 50:15 Biden promised to unite the country & only united his party. It’s why he failed 51:45 Mandatory national service could help reunite the country 55:00 Entire tax code is built around wealth preservation, not creating wealth 57:00 People are tired by the ultra rich playing by their own set of rules 58:00 WaPo is an institution, and Bezos is gutting it against public interest 1:00:30 How welcome will a Jewish candidate be in a Democratic primary? 1:02:00 Separating the Jewish people/religion from Bibi’s government 1:03:45 Bibi’s governance has made Israel more vulnerable and isolated 1:04:45 Did we export our politics to Israel or are we emulating them? 1:05:45 If Democrats fail to win the midterms… then what?See omnystudio.com/listener for privacy information.

In this episode, Chuck Todd reacts to the Seahawks winning the Super Bowl, then examines the political shockwaves rippling through Washington after Donald Trump’s controversial and widely condemned post about the Obamas, placing it within the broader context of Trump’s long history of racial controversies and growing unease inside his own coalition. As criticism emerges from Republican lawmakers, conservative legal voices, and even Olympic athletes, Todd explores signs that Trump’s influence may be weakening—fueled by internal party fractures, controversial foreign policy moves, and a leadership circle increasingly insulating him from reality. With a surge of congressional retirements, warning signs from special elections, and historical trends favoring the opposition party, the conversation turns to whether Republicans are heading toward a major electoral setback—and whether worsening controversies, including ongoing fallout from Epstein-related revelations, could further reshape the political landscape before November. Then, former White House Chief of Staff & Mayor of Chicago, Rahm Emanuel joins the Chuck ToddCast for a wide-ranging conversation on the forces shaping America’s political and economic future. He discusses why the 2028 election will be about what’s ahead—not what’s behind—and argues that understanding AI, energy, and the changing nature of work is now essential for anyone seeking leadership. Emanuel makes the case that education and vocational training remain the clearest pathway to the middle class, warns about declining reading proficiency, and examines what schools must do to prepare students for a rapidly evolving world. He also explores how both parties lost their way on education, why fundamentals matter, and what voters are really demanding from the system. The discussion then turns sharply to politics, power, and the health of American institutions. Emanuel weighs in on Trump-era controversies, Congress’s weakened role, and concerns about election integrity and the post-election environment. He outlines how Democrats can rebuild a winning coalition by welcoming independents and former Republicans, focusing on economic fairness, and preparing for a potential 2026 wave election. The episode closes with a global lens—covering U.S.–Israel dynamics, political polarization, wealth inequality, and whether national service could help reunite a fractured country—framing a central question: if the midterms fail to reset the trajectory, what comes next for American democracy? Finally, Chuck comments on the fallout from the mass layoffs at the Washington Post, hops in the ToddCast Time Machine to revisit the history of the Iranian revolution and answers listeners’ questions in the “Ask Chuck” segment. Get your wardrobe sorted and your gift list handled with Quince. Don't wait! Go to https://Quince.com/CHUCK for free shipping on your order and 365-day returns. Now available in Canada, too! Protect your family with life insurance from Ethos. Get up to $3 million in coverage in as little as 10 minutes at https://ethos.com/chuck. Application times may vary. Rates may vary. Thank you Wildgrain for sponsoring. Visit http://wildgrain.com/TODDCAST and use the code "TODDCAST" at checkout to receive $30 off your first box PLUS free Croissants for life! Link in bio or go to https://getsoul.com & enter code TODDCAST for 30% off your first order. Timeline: (Timestamps may vary based on advertisements) 00:00 Chuck Todd’s introduction 00:30 Super Bowl reaction 03:15 Bad Bunny’s halftime show was a great tour of Latin culture 04:30 The AI de-aging in the commercials is creepy 06:00 Half of the AI companies advertising likely won’t exist in 3 years 10:00 Fallout from Trump’s racist post about the Obamas 11:00 Trump’s entire history has included accusations of racism 11:45 Trump definitely made the post, Republicans push back on it 13:30 The cracks in the Trump coalition grow deeper by the week 14:30 Trump didn’t have much filter before, losing it as he ages 15:30 Olympic athletes voiced concerns & opposition to administration 16:30 Trump’s inner circle keep him in a “safe space” cocoon 17:30 In six weeks of 2026, Trump has put the GOP on the defensive 19:15 Close Trump allies in congress willing to criticize him 21:00 Conservative legal analysts rip Trump for corrupt UAE deal 23:15 Trump’s Greenland posturing turned allies against the U.S. 24:00 An electoral disaster is brewing for the Republicans 24:30 Nearing a record number of incumbents retiring from congress 27:00 Historical trends suggest massive gains for the out party 28:30 Retiring members sound like they are done with politics 29:45 Retirements will create an institutional knowledge gap 31:15 Retirements are a warning sign for disastrous upcoming election 35:00 Redistricting could create even more retirements 36:15 Two more special elections swung massively toward Democrats 37:15 Any Republican in a 59% or less Trump district is in danger 39:30 Almost no scenario where Republicans hold the house 40:45 Inconceivable that Trump recovers his approval rating by Nov. 42:30 The Epstein file releases keep getting worse and worse for Trump 56:15 Rahm Emmanuel joins the Chuck ToddCast 57:45 What does the average week look like for Rahm Emmanuel? 58:45 Trying to get a good understanding of AI & energy distribution 59:45 Candidates better understand AI because it’s driving economy 1:00:15 2028 election will be about the future not the past 1:01:45 Education and vocational training are the ticket to middle class 1:03:15 Coding used to be the most sought after skill, now it’s irrelevant 1:04:15 How to prepare students for a rapidly changing world? 1:05:45 AI won’t eliminate vocational professionals 1:07:30 Students are at a 30 year low in reading proficiency 1:08:15 Education is a highly motivating issue for voters 1:08:45 Vouchers don’t help rural communities 1:09:45 GOP has abandoned public ed, Dems abandoned accountability 1:11:00 Governors used to compete to be the “education governor” 1:11:45 Lotteries became the popular way to fund public education 1:12:30 Mississippi found a successful education model & it was copied 1:15:00 If schools focus on the fundamentals, scores go up 1:16:30 Trump’s UAE corruption scandal the worst in history 1:18:00 Trump is supposed to work for the voters checkbook, not his own 1:18:45 Trump’s pardons are almost exclusively for white collar crime 1:20:30 Congress has completely abdicated their responsibility 1:22:00 Founders were very worried about a corrupt executive 1:23:30 Major international shakeups and DNI is at Georgia election office 1:25:00 There are certain features of elections Trump can’t screw with 1:26:45 Rahm is more worried about the post election environment 1:27:30 The institutions have failed, but the people will protect this country 1:28:15 Worried that Mike Johnson may screw with the seating of new congress 1:29:15 Mike Johnson doesn’t have Mike Pence’s courage 1:31:45 What issues should Democrats should prioritize to win elections 1:32:45 2026 will be a wave election, presents chance to win local/state races 1:34:15 Tax refunds won’t be the electoral boon Republicans think they will 1:35:00 There’s no upside to being a long-term planner in American politics 1:36:15 What states should Dems target outside the 7 battlegrounds? 1:37:00 Never Trump Republicans finding more affinity with Democratic party 1:38:00 Democrats need to welcome former Republicans & independents 1:39:15 Unaffiliated voters are where you get your electoral majority 1:40:45 Progressive vs. Moderate viability for Democrats 1:43:15 Democratic electorate is always looking for someone new 1:44:15 The future will be on the ballot in 2028 1:46:30 Biden promised to unite the country & only united his party. It’s why he failed 1:48:00 Mandatory national service could help reunite the country 1:51:15 Entire tax code is built around wealth preservation, not creating wealth 1:53:15 People are tired by the ultra rich playing by their own set of rules 1:54:15 WaPo is an institution, and Bezos is gutting it against public interest 1:56:45 How welcome will a Jewish candidate be in a Democratic primary? 1:58:15 Separating the Jewish people/religion from Bibi’s government 2:00:00 Bibi’s governance has made Israel more vulnerable and isolated 2:01:00 Did we export our politics to Israel or are we emulating them? 2:02:00 If Democrats fail to win the midterms… then what? 2:04:00 Send us your guest requests & suggestions! 2:05:45 Will Lewis resigns, cements himself as worst publisher of WaPo 2:06:45 The Washington Post will fade into irrelevance after layoffs 2:08:00 Lack of local coverage bad for DC sports teams & venues 2:09:30 Team owners in DC should help fund local coverage 2:11:30 WaPo owner & publisher weren’t willing to own the layoffs 2:12:00 ToddCast Time Machine - February 11th 1979 2:12:15 Iranian shah’s regime collapsed, created Islamic Republic 2:13:15 Iran/Persia is one of the longest continuing states in history 2:14:45 Persia was neutral in WW1 & had its sovereignty violated 2:15:30 Collapse of Ottoman empire led to new states created by European powers 2:16:30 There’s a long history of small D democracy in Iran 2:17:30 The Shah’s project was forced modernization 2:18:45 The coup turned the Shah into the central pillar of the state 2:19:45 U.S. violating Iran’s sovereignty created anti-Americanism 2:21:00 Ayatollah Khamenei emerged as symbol of the resistance 2:21:45 Shah decided to expel Khamenei, gave him more rhetorical power 2:23:00 The Iranian revolution was broad based, but the clerical faction won 2:23:45 Hostage crisis came 9 months after the revolution 2:24:15 If we intervene now, it would be on the side of the Iranian people 2:25:30 Intervening on behalf of democracy works better than self-interest 2:26:15 Transactional politics without a moral code bites us in the ass 2:27:30 Ask Chuck 2:27:45 If Trump proved he was 2020 winner, does that make 2024 win unconstitutional? 2:31:30 Is it better for ethical people to stay in government to prevent someone worse? 2:35:30 Why not include Mississippi as state for Dems to target by 2032? 2:38:45 Causes for both alarm & optimism 2:42:00 Should MLB change the rule for intentional walks to make it two bases? 2:44:15 Some nicknames for the Trump/UAE corruption scandalSee omnystudio.com/listener for privacy information.

This week on Tapod we catch up with Amy Schultz—VP Market Development – RPO at Korn Ferry, and weren't we lucky! Are workforce decisions moving closer to operations? Amy thinks so and puts up some very valid points. From best-in-breed to best-in-suite, getting real input into decision-making, taking control of retention and mobility and even TA working within different business silos.As always, it's a must-listen.Thanks to Phenom for partnering with us this month. 

An 84 year old woman is missing in Tucson. The President posted a racist video and won't apologize. The DNI is seizing voting machines. And Kamala Harris just relaunched her social media. It's been a week. Let's get into it.In This Episode:The Disappearance of Nancy GuthrieDay six of the search for Savannah Guthrie's mother, taken from her Arizona home in the middle of the night. We break down the full timeline, the ransom notes sent to media outlets, the FBI's warning about AI deepfakes complicating proof of life, the arrest of a fake ransom scammer, a new message being analyzed by investigators, a vehicle of interest at a Tucson Circle K, and the towing of a car from Nancy's property Friday evening. Still no suspects. Still no proof of life. The FBI is offering a $50,000 reward.The President Posted What?!Late Thursday night, Trump's Truth Social account shared a video depicting Barack and Michelle Obama as apes, during Black History Month. The White House called the backlash "fake outrage." Then Tim Scott called it "the most racist thing I've seen out of this White House." Then Republicans started calling the President directly. Then it came down. Then they blamed a staffer. Then Trump said he won't apologize. We walk through every layer.Tulsi Gabbard and the Election Conspiracy Road ShowThe Director of National Intelligence showed up at an FBI raid in Georgia, seized voting machines in Puerto Rico, skipped the capture of Nicolás Maduro, and has a classified whistleblower complaint locked in a safe alleging she restricted intelligence for political purposes. We connect the dots between all of it.Kamala Harris and the Return of KamalaHQHarris relaunched her campaign accounts as "Headquarters," a youth mobilization project that is very obviously a 2028 campaign in disguise. Robin makes the data driven case for why the Democratic Party needs to move on, including the 21 point youth vote collapse, underwater favorability numbers, and what happens when a party chooses familiarity over a real reckoning.Key Sources & ReferencesPima County Sheriff's Department press conferences (Feb. 5–6, 2026)FBI Phoenix Division, SAC Heith Janke statementsNBC News, CBS News, CNN, ABC News, Fox 10 Phoenix — Nancy Guthrie coverageWashington Post, NYT, NBC News, CBS News, CNN, CNBC, Axios, The Hill — Trump/Obama video coverageReuters — Tulsi Gabbard Puerto Rico voting machine investigationWall Street Journal — Gabbard whistleblower complaint reportingCiviqs, Marquette Law School, Catalist — Harris polling and post election dataConnect With Us

Para todos los que queréis redes sociales con perfiles reales e identificados con el DNI podéis usar LinkedIn. Y luego me decís si la gente allí opina libremente o si tienen miedo a represalias por si no les contratan, por si no les compran, por si pierden oportunidades o por ser criticados y censurados. Ahora imagina si es el gobierno el que tiene acceso directo con un click a todo lo que dices con poder para censurarte, multarte o encarcelarte por decir algo en contra del gobierno.Libro "Cómo manupular a las masas y conseguir el poder": https://amzn.to/4rRWyIjConviértete en un supporter de este podcast: https://www.spreaker.com/podcast/marketing-digital--2659763/support.Newsletter Marketing Radical: https://marketingradical.substack.com/welcomeNewsletter Negocios con IA: https://negociosconia.substack.com/welcomeMis Libros: https://borjagiron.com/librosSysteme Gratis: https://borjagiron.com/systemeSysteme 30% dto: https://borjagiron.com/systeme30Manychat Gratis: https://borjagiron.com/manychatMetricool 30 días Gratis Plan Premium (Usa cupón BORJA30): https://borjagiron.com/metricoolNoticias Redes Sociales: https://redessocialeshoy.comNoticias IA: https://inteligenciaartificialhoy.comClub: https://triunfers.com

Alicia Menendez is in for Nicolle Wallace. Alicia covers the presence of DNI Director Tulsi Gabbard at the Elections Office in Fulton County, GA, where the Trump administration seized numerous ballots from the 2020 election. Even though it has been disproven that the 2020 election was ‘stolen,' Fulton County continues to be accused of ‘suspected voter fraud' by Donald Trump.Later, Alicia covers the exasperated admission from a federal prosecutor, who told a judge in court that trying to get ICE and the Justice Dept. to comply with court orders is like “pulling teeth.”For more, follow us on Instagram @deadlinewhTo listen to this show and other MS NOW podcasts without ads, sign up for MS NOW Premium on Apple Podcasts. For more from Nicolle, follow and download her podcast, “The Best People with Nicolle Wallace,” wherever you get your podcasts.To listen to this show and other MS podcasts without ads, sign up for MS NOW Premium on Apple Podcasts. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Recuerda. El único propósito de los políticos es perpetuarse en el poder. ¿Lo hacen por los adolescentes? No. ¿Lo hacen por ti? Tampoco.Lo que hacen es lo siguiente. Analizan la situación y se hacen dos preguntas.- ¿La mayoría de los jóvenes en la actualidad nos votarán? No. - ¿Si les quitamos el acceso a las redes sociales que es donde deciden votar al bando contrario en unos años aumentaremos los votos al controlar el discurso? Sí.”Adelante con la nueva ley que nadie ha votado.Y después se ríen en tu cara y te dicen que es por los adolescentes.Lo que tienen que hacer los padres es educarse para poder dar ejemplo y que sus hijos piensen por sí mismos y se hagan preguntas.Cuantas más decisiones toman los gobiernos por nosotros menos pensamos y más dictadura es. No hay más.Además, ¿dime qué empresa del mundo no usa las redes sociales hoy en día? Efectivamente, ninguna.Y sin usar algo cotidiano de forma responsable durante tu juventud, tus posibilidades de encontrar trabajo se reducen a casi cero porque has vivido en un mundo que no existe. Y lo que sí se reduce a cero es la posibilidad de crear tu propia empresa o negocio y ser libre.Pero la cosa no acaba ahí. Ahora dime qué pasaría si ese fuera solo el primer paso como sucede siempre. Ese es el modus operandi de la izquierda. Y si deciden que los jóvenes tampoco puedan usar Internet hasta que tengan 16 años porque en Internet hay cosas muy malas y hay que “protegerles” de las malísimas empresas de Internet.Sólo es cuestión de tiempo. Como siempre, los políticos van metiendo la patita y cuando te das cuenta los tienes en tu casa de okupas gastando todo tu dinero y hundiendo más el país.Y recuerda. Para saber si alguien tiene menos de 16 años te tendrán que identificar a ti también. Con tu DNI. Así saben qué haces y dices en todo momento. Y cuando te vigilan ya no puedes ser libre opinando porque si dices algo que no les gusta te censuran o algo peor. Y para pensar es clave escuchar distintas versiones y opiniones. Si solo escuchas una opinión es difícil ver otros puntos.En Francia y Australia.Las VPN son el siguiente temaConviértete en un supporter de este podcast: https://www.spreaker.com/podcast/el-podcast-de-instagram--3205753/support.Newsletter Marketing Radical: https://marketingradical.substack.com/welcomeNewsletter Negocios con IA: https://negociosconia.substack.com/welcomeMis Libros: https://borjagiron.com/librosSysteme Gratis: https://borjagiron.com/systemeSysteme 30% dto: https://borjagiron.com/systeme30Manychat Gratis: https://borjagiron.com/manychatMetricool 30 días Gratis Plan Premium (Usa cupón BORJA30): https://borjagiron.com/metricoolNoticias Redes Sociales: https://redessocialeshoy.comNoticias IA: https://inteligenciaartificialhoy.comClub: https://triunfers.com

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger Picture Conspiracy no more, Germany and the EU shutting down energy production while China was increasing theirs. This tells you everything you need to know. Trump tariff system is getting stronger, it’s improving the economy and this is something the [CB] does not want. The [CB]s are losing control over the Fed, watch gold and silver. Trump need to wake the people of this country up. The only way to do this was to have the people go down a path that would make the uncomfortable, scared and angry, this is how you break the brainwashing. People can now see it is the tryrants against the people of this country. The picture is clear. Every step of the way the [DS] is losing their grip on the people. The people are ready to take back the country.   Economy https://twitter.com/HansMahncke/status/2018402875693580744?s=20   (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); https://twitter.com/KobeissiLetter/status/2018664901959462953?s=20   ended in June 2025, when missed payments began appearing on credit reports. Meanwhile, the percentage of student loans transitioning into 90+ days of serious delinquency is up to 14.3%, an all-time high. This significantly exceeds the 2013 peak of 10.5% and 2008 levels of 7.5%. The student loan crisis is accelerating. https://twitter.com/profstonge/status/2018663257675018691?s=20 Political/Rights https://twitter.com/AnthonyGalli/status/2018716797864661049?s=20 https://twitter.com/luvgod/status/2018390600475644333?s=20  Code of Conduct explicitly requires justices to avoid impropriety and the appearance of impropriety, including political activity that undermines public confidence in judicial independence. https://twitter.com/RichardStiller4/status/2018460663329472526?s=20   https://twitter.com/amuse/status/2018673649985683709?s=20   https://twitter.com/WallStreetApes/status/2018551227416756485?s=20   drive from these people?” This is what she said happened: ‘My friend told us about a dive burger place in Minnesota that we absolutely had to try. As we were driving in, we passed a small group of maybe 30 people holding large “F ICE” signs, spelled out. Many of the houses in the neighborhood also had signs saying “F ICE” and similar messages. When we were leaving to drive back to the hotel, we passed the group again. At that point, the resistance group stepped out in front of our car and would not let us drive. One woman appeared to be looking at our license plate and doing something on her phone. She was standing directly in front of the car, blocking us — I cannot imagine being a sane person and living in this city. We were with my brother-in-law's family, and they said that restaurants and other places are empty because of this, the resistance is out doing their thing, and the normal people are just staying home and not going out.' https://twitter.com/CynicalPublius/status/2018412853435527587?s=20 https://twitter.com/CynicalPublius/status/2018416970111311967?s=20 the execution of federal laws. Further, as we have all seen in innumerable videos, this conspiracy includes the use of violent force. I think everyone–even Democrats–must agree that what I just said is true. Now read 18 U.S.C. § 2384 (Seditious conspiracy): “If two or more persons in any State or Territory, or in any place subject to the jurisdiction of the United States, conspire to overthrow, put down, or to destroy by force the Government of the United States, or to levy war against them, or to oppose by force the authority thereof, or by force to prevent, hinder, or delay the execution of any law of the United States, or by force to seize, take, or possess any property of the United States contrary to the authority thereof, they shall each be fined under this title or imprisoned not more than twenty years, or both.” Draw your own conclusions as to what is required here. https://twitter.com/BNONews/status/2018389609563017674?s=20   CBS News is parting ways with contributor Dr. Peter Attia, a prominent longevity physician, after Epstein documents revealed over 1,700 mentions of his name and emails showing a close friendship, including Attia’s 2015 note on Epstein’s “outrageous” life he couldn’t share and a 2016 lewd quip about “pussy” being low-carb.   https://twitter.com/FFT1776/status/2018490549733322850?s=20  interview instead of sworn testimony • Withdrawal of the subpoena before testifying • A pause on contempt proceedings • A hard 4-hour time limit • 30-minute alternating question blocks • A personal transcriber of Clinton's choosing • No video recording • Written statements for Hillary Clinton instead of appearing in person Congress said no.: No carve-outs. No special rules. No special treatment. Testify under oath. Thank you Rep. Comer https://twitter.com/RepJamesComer/status/2018740003501678769?s=20  Secretary Clinton will appear for a deposition on February 26, 2026. After delaying and defying duly issued subpoenas for six months, the House Oversight Committee moved swiftly to initiate contempt of Congress proceedings in response to their non-compliance. We look forward to now questioning the Clintons as part of our investigation into the horrific crimes of Epstein and Maxwell, to deliver transparency and accountability for the American people and for survivors. NO BODY IS ABOVE THE LAW 2725 Feb 14, 2019 11:46:33 PM EST Q !!mG7VJxZNCI ID: 46cb93 No. 5182398  Chatter – Bill & Hillary's ‘public' HEALTH will begin to rapidly deteriorate. Q DOGE   illegalities that they have committed. This should be a Criminal, not Civil, event, and Harvard will have to live with the consequences of their wrongdoings. In any event, this case will continue until justice is served. Dr. Alan Garber, the President of Harvard, has done a terrible job of rectifying a very bad situation for his institution and, more importantly, America, itself. He was hired AFTER the antisemitism charges were brought – I wonder why??? We are now seeking One Billion Dollars in damages, and want nothing further to do, into the future, with Harvard University. As The Failing New York Times clearly stated, “Some connected to the University, however, think Harvard has no option but to eventually cut a deal. The Administration has repeatedly attempted to cut off research grants, which would be an untenable crises. Like many major research universities, Harvard relies on federal funding for its financial model.” Thank you for your attention to this matter! President DONALD J. TRUMP  Macron's Authorities Raid Elon Musk's X French Offices in Paris Under the direction of France's globalist President Macron, French authorities escalated their confrontation with American tech entrepreneur Elon Musk this week, launching high-profile raids of X's offices in Paris and summoning Musk himself for what prosecutors termed a “voluntary interview.” The move marks a dramatic intensification of France's long-running effort to rein in the America-based free-speech platform. According to the Paris public prosecutor's office, the operation was carried out by French cybercrime units with assistance from Europol, targeting the French premises of X. Authorities claim the investigation centers on whether X's algorithm improperly influenced French political discourse. Summonses were issued to Musk and former X CEO Linda Yaccarino, calling them to Paris in April 2026 to answer questions related to the probe. Yaccarino, who stepped down last year, is listed alongside Musk as a manager during the period under review.   French prosecutors later broadened their inquiry, citing concerns related to X's AI chatbot Grok, including claims it produced offensive or false content. Musk's company responded by correcting errors, removing disputed posts, and publicly documenting its moderation actions—steps critics say would have been praised had they come from a European firm. Source: thegatewaypundit.com https://twitter.com/disclosetv/status/2018625815114567850?s=20 https://twitter.com/JudiciaryGOP/status/2018683758006665352?s=20   far-reaching Digital Services Act thread   https://twitter.com/elonmusk/status/2018732491125727232?s=20   with social media platforms to pressure them to censor political speech in the days before the vote. Leading up to the Dutch elections of 2023 the EU commission even made the then Dutch Interior Ministry @hugodejonge a “trusted flagger” entitled to make priority censorship requests under the DSA. What kind of political speech did they want to censor, you ask? – “Populist rhetoric” – “Anti-government/anti-EU content” – “Anti-elite” content – “Political satire” – “Anti-migrant and Islamophobic content” – “Anti-refugee content/anti-immigrant sentiment” – “Anti-LGBTQI content” – “Meme subculture” In other words, anything that goes against their agenda, anything remotely right-wing or conservative, and anything pertaining to the disastrous migrant situation we have here in Europe. And guess what the only platform was that did not cooperate? @X , of course. The same platform that the EU is fining for 120 million euros under the DSA and the same platform that is currently having its offices raided in France. This is the type of stuff over which governments should resign and institutions like the EU should fall. Democracy is dead. Abolish the EU! Now! https://twitter.com/disclosetv/status/2018644283096523244?s=20  turning “algorithmic manipulation and amplification of illegal content into a new criminal offense” and developing a new system to monitor hate, “because spreading hate must come at a cost.” Geopolitical https://twitter.com/JackInTully/status/2018663771213086808?s=20   https://twitter.com/Geiger_Capital/status/2018711873240105407?s=20 War/Peace https://twitter.com/BehizyTweets/status/2018029749889638850?s=20 https://twitter.com/SteveGuest/status/2018505966765924723?s=20 https://twitter.com/nicksortor/status/2018750332231131642?s=20  has a range of options, including military force. Iran knows that better than anyone. Look no further than Operation Midnight Hammer!”    U.N. Facing ‘Imminent Financial Collapse' Admits Secretary General as Countries Won't Cough Up Membership Fees The United Nations is facing an “imminent financial collapse” as member states refuse to cough up billions of dollars in mandatory contributions. The financial woes were laid out in an emergency letter from Secretary-General António Guterres sent to all 193 member countries. Guterres said the organisation's financial crisis is worsening rapidly, threatening the delivery of core programmes and potentially leaving the U.N. bankrupt by July. He urged member states to either pay what they owe in full or agree to sweeping changes to the UN's financial rules to avoid collapse. “Either all member states honour their obligations to pay in full and on time—or member states must fundamentally overhaul our financial rules to prevent an imminent financial collapse,” he wrote. The warning comes as the United States, the U.N.'s largest contributor, has refused to fund the organisation's regular and peacekeeping budgets and has withdrawn from multiple UN agencies.    The Trump administration has repeatedly criticised the U.N. for wasting taxpayer dollars, appeasing criminal regimes and infringing on the sovereignty of the U.S. and other member nations. Several other member states are also in arrears or have declined to pay their assessed contributions. Source: thegatewaypundit.com Medical/False Flags https://twitter.com/liz_churchill10/status/2018439093420536119?s=20 FBI Raids ILLEGAL Biolab Inside a Private Home in Las Vegas — Authorities Discover THOUSANDS of Vials, Links to CCP-Connected California Lab Federal agents with the FBI and the Las Vegas Metropolitan Police Department executed a dramatic early-morning raid on a residential property in northeast Las Vegas this weekend after investigators uncovered what appears to be a fully operational illegal biological laboratory inside a private home. Refrigerators containing unknown liquids and vials of suspected biological material were found inside the residence, prompting an aggressive response from HazMat teams, SWAT units, and FBI specialists due to the potential threat presented by the materials, The Hill reported. At least one individual was taken into custody in connection with the Las Vegas raid, identified by local officials as a 55-year-old property manager, Ori Solomon. He is currently booked on felony charges linked to the improper disposal of hazardous waste, though investigators continue to determine the full scope of charges that may arise. Property records reveal that the Las Vegas home is owned by “David Destiny Discovery, LLC,” according to The Sun. If that name sounds familiar, it should. It is a shell company registered to Jia Bei Zhu (also known as David He), the very same Chinese national who ran the illegal Reedley, California biolab exposed in 2023. Zhu, a fugitive from Canada with deep ties to the Chinese government, is currently in federal custody. The FBI has taken the lead in analyzing the more than 1,000 samples collected from the scene, with evidence transported to federal laboratories for further testing. https://twitter.com/RepKiley/status/2018514131876213199?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2018514131876213199%7Ctwgr%5E1616a599ecdcff26961307ece268007bf47acbbc%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2026%2F02%2Ffbi-raids-illegal-biolab-inside-private-home-las%2F Source: thegatewaypundit.com https://twitter.com/WarClandestine/status/2018714265247453494?s=20 https://twitter.com/liz_churchill10/status/2018321118000476222?s=20   https://twitter.com/elonmusk/status/2017614901028786500?s=20   [DS] Agenda BREAKING: Jill Biden's Ex-Husband Arrested and Charged with Murder of His Wife Jill Biden's ex-husband Bill Stevenson was charged with first-degree murder of his wife, Linda Stevenson. Last month police swarmed Stevenson's home after his wife died amid a domestic dispute. Police removed several items from the Stevenson home last month. 64-year-old Linda Stevenson, wife of Jill Biden's ex-husband Bill Stevenson, was found unresponsive after police arrived to the New Castle, Delaware, residence late Sunday night. According to TMZ, Linda Stevenson was found dead in the living room. TMZ obtained 911 dispatch audio, which references cardiac arrest: According to TMZ, Stevenson is being held on a $500,000 bond. Fox 29 reported:   Source: thegatewaypundit.com https://twitter.com/WallStreetApes/status/2018513235868299678?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2018513235868299678%7Ctwgr%5E6abdb9eedc5852ca532cc2c248c01795a00b5389%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2026%2F02%2Fjust-days-before-ayanna-pressley-was-sworn-her%2F https://twitter.com/MrAndyNgo/status/2018549471160734081?s=20 https://twitter.com/TriciaOhio/status/2018419624295960839?s=20 https://twitter.com/libsoftiktok/status/2018741593071648855?s=20 Media's Bogus Minneapolis Narrative About to Be Nuked As DHS Turns on the Cameras Department of Homeland Security (DHS) Secretary Kristi Noem announced Monday that all immigration officers working in Minneapolis will start wearing body cameras as an added layer of protection for those officers and, presumably, against the false narratives being pushed by the left after a series of deadly officer-involved incidents in the sanctuary city. Source: redstate.com https://twitter.com/libsoftiktok/status/2018536832489889937?s=20 https://twitter.com/TriciaOhio/status/2018502877321334812?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2018502877321334812%7Ctwgr%5Efce8ad7eb6d8fb345b1483e2b135162684061896%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fredstate.com%2Fsmoosieq%2F2026%2F02%2F03%2Ftps-decision-n2198777 for decades.   Temporary means temporary and the final word will not be from an activist judge legislating from the bench. https://twitter.com/grok/status/2018537805073330361?s=20 cases like Haitians may face ongoing challenges. President Trump's Plan https://twitter.com/profstonge/status/2018490184677900551?s=20 https://twitter.com/profstonge/status/2018680520549257396?s=20   better. He is running because he realizes Thomas Massie has been totally disloyal to the President of the United States, and the Republican Party. He never votes for us, he always goes with the Democrats. Thomas Massie is a Complete and Total Disaster, we must make sure he loses, BIG! https://twitter.com/MarioNawfal/status/2018488252219699617?s=20 https://twitter.com/seanmdav/status/2018397484209635625?s=20  to defund ICE   OPPOSE: 58% https://twitter.com/nicksortor/status/2018712280645484664?s=20 https://twitter.com/TheStormRedux/status/2018473020835192964?s=20   complying voluntarily – They are suing the states that are not complying in the next couple weeks – 24 states + DC in current litigation because they are making all kinds of excuses Gee I wonder why these states won't share their voter rolls? Because it's all a fraud. The jig is up. Harmeet went on to specifically discuss the FBI raid in Georgia. “We're going to figure out the logistics there with the court and with our colleagues and see what those ballots show. I think it was highly unusual. A lot of things that happened in 2020 in the swing states… We're going to see what we see and whatever the evidence shows, I think it's important for the American people to know what happened in Fulton County and in Georgia…”  Don't tell me nothing is happening! WSJ Anonymous Hit Piece On Gabbard Is Based On Complaints That ‘Weren't Credible' ‘Here's the truth: There was no wrongdoing by @DNIGabbard, a fact that WSJ conveniently buried 13 paragraphs down,' a DNI official said. https://twitter.com/alexahenning/status/2018313944360702063?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2018313944360702063%7Ctwgr%5E2d40da39babc1191fd219e747e9e7022814c8641%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fthefederalist.com%2F2026%2F02%2F03%2Fwsj-anonymous-hit-piece-on-gabbard-is-based-on-complaints-that-werent-credible%2F   Gabbard were not credible. Source: thefedearlist.com https://twitter.com/HansMahncke/status/2018367694823735378?s=20   fabricated source feeding supposedly ultra-sensitive information that sends everyone chasing a lie. So yes, exactly like a le Carré novel (by the way, the fraudulent Steele dossier followed the same le Carre blueprint).   https://twitter.com/DNIGabbard/status/2018504435769520156?s=20   nation and ensure the integrity of our elections  https://twitter.com/TheStormRedux/status/2018463747095003285?s=20  willfully defrauds the residents of a state of a fair and impartial election process. “In other words, the focus of this investigation, the focus of that raid, the reason that federal judge approved that raid, was that they're looking at possible crimes related by election workers and the administration of that election in 2020.” Can't wait to see how this plays out  https://twitter.com/realLizUSA/status/2018692087345025302?s=20 https://twitter.com/MarioNawfal/status/2018553787036623201?s=20   South, Midwest, and Mountain West. Democrats are largely confined to the coasts and a handful of Midwest holdouts like Illinois and Minnesota. This is where policy actually gets made. Abortion, elections, education, guns. It all starts here. https://twitter.com/CollinsforTX/status/2018698529036808560?s=20 https://twitter.com/EricLDaugh/status/2018703572016287879?s=20   https://twitter.com/Geiger_Capital/status/2018717121425834279?s=20 https://twitter.com/RepLuna/status/2018480826741055929?s=20  is through the standing filibuster. This would effectively keep the government open while allowing Republican senators to break through the “zombie” filibuster and put the SAVE America Act up for a vote on the Senate floor. The standing filibuster is not common parliamentary procedure, but it is one of the only mechanisms available to go around senators who want to block voter ID. @LeaderJohnThune we are very pleased that you are discussing the standing filibuster, and we believe you will go down in history if this is pulled off as one of the best leaders the Senate has ever had. Voter ID is a must, and the ball is now in your court. https://twitter.com/AwakenedOutlaw/status/2018510290653155445?s=20 https://twitter.com/CynicalPublius/status/2018439757227819347?s=20   IMMEDIATELY blasted off like gangbusters. In one year we have seen more productive conservative change in the federal government than with every other GOP president since Reagan combined. Trump has significantly degraded the Deep State in a way most of us could only dream of ten years ago. Moreover, Trump's economic policies are bearing fruit right now and we will likely see a very strong economy by the midterms. But… Ah yes, the midterms. I know so many of you will only be happy when Bill Clinton, Hillary, Obama and Joe Biden are in jail, but you need to join the world of reality. Right now Trump and his team are gauging everything they do through the lens of “How will this effect the midterms?” They have sophisticated polling that you and I will never see, and at the moment every Trump action is tempered by “Let's be aggressive but not in such a way it turns public opinion against us before the midterms.” Trump knows that if he loses the midterms, all is lost. The Dems will constantly impeach him and most of his cabinet, and even if the Senate never convicts, the acts of impeachment will grind the Trump machine to a halt. The midterms are everything. So I'm warning you, from now until November you are going to see a less aggressive Trump If you are a Doomster for whom nothing is ever enough, you need to understand why that is. But here is the good news. I believe that one day after the midterms Trump will once again go shock and awe for a year, and then back off again in 2028 to get JD or Rubio elected. (For example, I can easily see Trump taking zero drastic action in the near term to further inflame the Minnesota situation, but invoking the Insurrection Act the day after the midterms and sending in the 82nd.) Since the Super Bowl is coming up, consider it this way: In the first quarter, Trump ran up the score. In the second quarter, he went prevent defense to hold onto the lead. After halftime, once again in the third quarter he will run up the score, and then hold the lead in the fourth quarter to win the game. This is not Qtard “trust the plan” nonsense. This is simply good political strategy. Everyone needs to realize two things: (1) the Constitution includes checks and balances that inherently weaken the absolute power of each branch and (2) even though they are in the minority, Democrats still have a HUGE say. Our system is DESIGNED THIS WAY. We have to account for the opposition—you cannot ignore them. With that in mind, I have every confidence that Trump and his team will navigate through a treacherous course and come out on the winning side. I’m hoping this post makes the things you see in the months ahead more comprehensible. Have a nice day. https://twitter.com/nicksortor/status/2018742785017336107?s=20   the SAVE Act is not included in the government funding bill that advanced via the 217-215 House procedural vote on February 3, 2026. That legislation is a $1.2 trillion spending package funding most federal agencies through September 30, 2026, while extending funding for the Department of Homeland Security only through February 13, 2026, to allow for further negotiations on immigration enforcement. Efforts by some conservative Republicans to attach the SAVE Act—a separate bill requiring proof of U.S. citizenship for federal voter registration—were rejected during the process, following calls from President Trump to pass the package without changes.  (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:13499335648425062,size:[0, 0],id:"ld-7164-1323"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="//cdn2.customads.co/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");

AlabamaCongressman Moore supports a House bill that bans Sharia Law in the nationSoS Allen reveals indictments of 4 people in Russell County for election fraudKen McFeeters taking residency issue to court re: Tommy TubervilleMayor of Irondale actively protecting illegal aliens from ICE AgentsMobile police continue search for abduction of family of 3 from TheodoreForeign migration to AL dropped by 6o% in 2025 compared to year beforeNationalPresident Trump signs spending bills and ends the partial gov shutdownThe Small Business Admin. to stop all loans to foreign nationals on March 1stWH Press secretary defends DNI's Tulsi Gabbard and her actions in GAEx-husband of Jill Biden is charged with murder in DE of his second wifeLiz Crokin, journalist featured on "Out of Shadows" talks about the Jeffrey Epstein document release

On this special episode of Tapod, we sit down with Lauren Anderson – Senior Strategic Advisor from Indeed to talk about the upcoming Indeed Futureworks In Melbourne on February 19. The theme is ‘Betterverse' how can  we leap forward into the technological future while focusing on the purpose of all of this progress which is to make hiring better? From Lego professionals to Indeed's chief economist to a ‘real life' astronaut, Futureworks is the hottest ticket in town and for your chance to win a seat check out the link in the comments!

The Director of National Intelligence showed up to an FBI raid on a Georgia elections office. Then she put the President on speakerphone with the agents. Then we found out she's been sitting on a whistleblower complaint about herself for eight months. This week, we're talking about Tulsi Gabbard, the woman who went from Bernie Sanders endorser to Democratic presidential candidate to Fox News guest host to Trump's spy chief in one of the most cynical political transformations in modern American history. We're talking about the Fulton County raid, the classified complaint locked in a safe, her documented history of consuming Russian state media, her secret meeting with Assad, and why Russian state TV calls her "Russia's girlfriend." I'm not going to dance around it: I think Tulsi Gabbard is a Russian asset. And I'm going to tell you exactly why.  Buckle up.KEY POINTSOn January 28, 2026, FBI agents seized 700 boxes of 2020 election materials from Fulton County, Georgia. DNI Tulsi Gabbard was physically present, at Trump's specific direction.The day after the raid, Gabbard visited the FBI's Atlanta field office and put Trump on speakerphone with the agents. He gave them a "pep talk" for investigating the election he lost.Former FBI officials called this "unprecedented" and said there is "unanimous disgust" across current and former agents.A whistleblower complaint about Gabbard has been locked in a safe for eight months. Federal law requires transmission to Congress within three weeks.Three former aides told ABC News that Gabbard regularly read and shared articles from RT, the Kremlin's principal propaganda outlet.In 2017, Gabbard took a secret trip to Damascus and met with Assad for nearly three hours. Congressional staffers later worried she might leak information about a Syrian defector.A former U.S. ambassador to NATO called Gabbard's 2017 foreign policy memo "basically the Russian playbook."At her confirmation hearing, Gabbard refused to call Edward Snowden a traitor. Senator Bennet responded: "Apparently, you don't understand how critical our national security is."Become a supporter of this podcast: https://www.spreaker.com/podcast/we-saw-the-devil-crime-political-analysis--4433638/support.Website: http://www.wesawthedevil.comPatreon: http://www.patreon.com/wesawthedevilDiscord: https://discord.gg/X2qYXdB4Twitter: http://www.twitter.com/WeSawtheDevilInstagram: http://www.instagram.com/wesawthedevilpodcast.

AlabamaGovernor Ivey supports two companion bills that address public safetyThe ALGOP steering committee rejects residency challenges against Tommy Tuberville and John Wahl as they run for state officesA lawsuit is filed against 3 employees at Trinity child center re: recent sex abuse arrestTuskegee basketball coach hires lawyers after he was cuffed at Atlanta gameMajor General Terry Grisham to lead Program Management at SpaceCOMNationalFederal judge seeks to stop DHS from ending Temporary Status for HaitiansPresident Trump and India Prime Minister reach trade deal to end tariffsSAVE Act to be brought to a vote on Senate floor according to John ThuneWSJ to publish hit pieces against DNI's Gabbard after FBI raid in GAThe Clintons say they are NOW willing tobe deposed by House Oversight committee to avoid contempt chargesBen Swann says the latest Jeffrey Epstein doc release completely vindicates his report on "Pizza Gate" from 10 years ago

In this episode of The Alan Sanders Show (Ep. 022), we dive deep into election integrity with the SAVE Act, requiring proof of U.S. citizenship for federal voter registration, and its ties to the bipartisan Carter-Baker Commission findings, which endorsed photo ID and safeguards to build trust without disenfranchisement. We expose myths comparing voter ID to Jim Crow suppression. Plus, explore the DNI's authority in intelligence matters surrounding voting integrity, the explosive release and backfire from the Epstein files (including recent DOJ document drops sparking controversy), and how the stolen land slogan made by Billie Eilish puts a target on her own mansion. Truth-seeking commentary you won't hear elsewhere! Join the fight for transparency! Please take a moment to rate and review the show and then share the episode on social media. You can find me on Facebook, X, Instagram, GETTR, TRUTH Social, TikTok, YouTube and Rumble by searching for The Alan Sanders Show. And, consider becoming a sponsor of the show by visiting my Patreon page!

It's time for the Scoop from Tapod with all of your weekly TA & Recruitment news from here and abroad. We cover all sorts of headlines, including… the latest on redundancies, the government announces 30,000 – that's right 30,000 new casual roles across Australia, the latest on return to office, is the 4-day work week quietly eroding productivity? Hiring times pushing out, Gen Z optimistic about career prospects And much more.Thanks to Indeed for partnering with us on The Scoop. 

This is a link post. The shift from scaling up the pre-training compute of AI systems to scaling up their inference compute may have profound effects on AI governance. The nature of these effects depends crucially on whether this new inference compute will primarily be used during external deployment or as part of a more complex training programme within the lab. Rapid scaling of inference-at-deployment would: lower the importance of open-weight models (and of securing the weights of closed models), reduce the impact of the first human-level models, change the business model for frontier AI, reduce the need for power-intense data centres, and derail the current paradigm of AI governance via training compute thresholds. Rapid scaling of inference-during-training would have more ambiguous effects that range from a revitalisation of pre-training scaling to a form of recursive self-improvement via iterated distillation and amplification. The end of an era — for both training and governance The intense year-on-year scaling up of AI training runs has been one of the most dramatic and stable markers of the Large Language Model era. Indeed it had been widely taken to be a permanent fixture of the AI landscape and the basis of many approaches to [...] ---Outline:(01:06) The end of an era -- for both training and governance(05:24) Scaling inference-at-deployment(06:42) Reducing the number of simultaneously served copies of each new model(08:45) Reducing the value of securing model weights(09:30) Reducing the benefits and risks of open-weight models(10:05) Unequal performance for different tasks and for different users(12:08) Changing the business model and industry structure(12:50) Reducing the need for monolithic data centres(17:16) Scaling inference-during-training(28:07) Conclusions(30:17) Appendix. Comparing the costs of scaling pre-training vs inference-at-deployment --- First published: February 2nd, 2026 Source: https://forum.effectivealtruism.org/posts/RnsgMzsnXcceFfKip/inference-scaling-reshapes-ai-governance Linkpost URL:https://www.tobyord.com/writing/inference-scaling-reshapes-ai-governance --- Narrated by TYPE III AUDIO. ---Images from the article:Apple Podcasts and Spotify do not show images in the episode description. Try Pocket Casts, or another podcast app.

This week on Tapod we catch up with Gareth Flynn—Talent & Workforce Expert and Founder & CEO at TQ Solutions. As we all try to make sense of the past 18 months and what to expect into 2026. The only thing we can be really sure of is that things will continue to change and at an incredibly rapid rate. We talk deeply about AI, the geopolitical state of play, the great convergence, task intelligence, and a heap in between. There is so much to unpack here, and it affects all of us.  Thanks to Phenom for partnering with us this month. 

Countdown To War With Iran It Has Begun: Dems Call For Minnesota To Secede From Union & Launch Plan To Use Children As Human Shields Against ICE! Plus, DNI Gabbard & FBI Deputy Director Bailey On-The-Ground In Georgia

Tara connects the dots between everyday Americans being crushed by the system and a ruling class that plays by a completely different set of rules. What starts with a personal story about a minor traffic stop spiraling into thousands of dollars, traffic school, and near license suspension becomes a much bigger warning about two-tiered justice in America. From the Alex Pretty incident, coordinated activist networks, and selective prosecution — to explosive revelations out of Fulton County, Georgia, missing ballot images, and admitted election law violations — Tara lays out why chaos, distraction, and violence are being rewarded while accountability disappears. This episode exposes how fraud is buried, narratives are weaponized, and why the same rules never seem to apply to the same people.

This week on Tapod we catch up with the ever-brilliant duo of Rich Lewis-Jones and Elle Green from SmartRecruiters. We learn all about the SmartRecruiters-SAP SuccessFactors marriage, new products, the upcoming HireXperience event at Luna Park in Sydney, and a few cheeky predictions for the year ahead. As usual we learned stuff—you will too!Thanks to People Orbit AI for partnering with us this month. 

En el 24 Horas de RNE hemos hablado con el comandante Serrano, jefe del Departamento de Biología del Servicio de Criminalística de la Guardia Civil. Explica que un equipo de Madrid y de otras partes de Andalucía se han desplazado hasta Adamuz para poder recabar la información necesaria para poder identificar a las víctimas. El laboratorio central está en Madrid, así que todas las muestras se analizarán desde la capital del país. Sobre la información que pueden aportar los familiares, Serrano cita al DNI, fotografías, información sobre tatuajes o radiografías odontológicas. También cita el perfil genético, pero en este caso solo sirve de primer o segundo grado, es decir, padres, hijos o hermanos. Las muestras se pueden dejar en las comandancias de Huelva, Sevilla, Córdoba y Madrid. El equipo de la Guardia Civil ya ha recogido las primeras muestras y espera en que ya en las próximas horas puedan tener los primeros resultados. Escuchar audio

En '¡Buenos días, Javi y Mar!' de CADENA 100, Mar comenta cómo la calle de la radio es plató para una serie de Netflix. Los oyentes comparten descubrimientos: Patricia aprende que el Parchís blanco era el dado; Sasha revela que el sonido del cajero automático es grabado; Carmen halla un tatuaje de su marido tras 12 años y Marta descubre el claxon lateral. Hablando sobre grandes olvidos, Antonio se equivoca de ciudad al trabajar y Cris olvida su DNI antes de viajar. Jimeno como cada día propone enigmas sonoros y se recomienda champú en seco para manchas de grasa. En noticias musicales, Javi y Mar nos cuentan que Moses Martin, hijo de Chris Martin, debuta con "People LifeMed" y colabora con Coldplay. Todo esto y mucho más en nuestro podcast de hoy... no te lo pierdas!

En '¡Buenos días, Javi y Mar!' en CADENA 100, se hablamos de series nostálgicas como 'Sensación de vivir'. Nuestros oyentes comparten desventuras en aeropuertos, como ir el día equivocado o con el DNI caducado, o llevar comida congelada,  y la 'Encuesta absurda de CADENA 100' provoca risas como siempr. Los niños de Jimeno opinan sobre qué necesita una película para ser nominada a un Goya. Esto y mucho más como siempre, hoy en el podcast del programa!

El programa '¡Buenos días, Javi y Mar!' en CADENA 100 aborda la medida del Gobierno que exime del IRPF a caseros que no suban el alquiler, generando discrepancias con Sumar. La oposición propone más vivienda y bajada del IVA para jóvenes. En Venezuela, se libera a cien presos políticos; María Corina Machado se reúne con el Papa y se citará con Donald Trump. El pueblo de Villamanín se enfrenta a un problema con la lotería de Navidad, donde se vendieron papeletas sin respaldo, reduciendo el premio. Javi rememora la serie 'Sensación de vivir'. Varias llamadas narran despistes en aeropuertos: desde llegar un día equivocado y regalos que pitan en seguridad, hasta DNI caducados que impiden volar. Se comenta el martes y 13 como el día de mayor bajón emocional. Los niños de Gimeno analizan la baja natalidad en España. Musicalmente, suenan Sebastián Yatra y Manuel Turizo, Maná, David Guetta, Tom Senai y Teddy Swims. José Real actualiza sobre la OTAN, el modelo de financiación autonómica y el ...

El régimen chavista libera a 24 presos políticos, entre ellos el español Alejandro González de Canales. El ministro de Exteriores español espera más excarcelaciones. Donald Trump muestra interés en adquirir Groenlandia, lo que genera preocupación y rechazo de la Unión Europea. España afronta la recta final para solicitar fondos de recuperación europeos. El gobierno gestiona hasta el 31 de agosto 31.000 millones de euros, pero parte no llega a las empresas. Un hackeo a Endesa compromete DNI y datos bancarios de un millón de clientes. La compañía notifica a los afectados, asegurando que las contraseñas no se ven. En Carabanchel, Madrid, tras una explosión de gas, muchos vecinos permanecen desalojados, con riesgo de robos. Se evalúa la demolición del edificio. La DGT es criticada por publicar la localización exacta de balizas V-16. La Guardia Civil exige revisar el protocolo. La Comunidad de Madrid intensifica medidas para controlar la sobrepoblación de jabalíes, esperando superar ...

Ignite your week with Joe Oltmann Untamed, where Joe drops a bombshell: he's seriously considering a full-throttle run for office, deciding December 26—because neither side has honored the people. With Trump vowing "truckloads" of 2020 election evidence proving it was rigged, Tulsi Gabbard confirming DNI probes into election integrity, and Rasmussen highlighting historic Supreme Court rulings on federal oversight of stolen races, Joe demands justice: prison or death penalty for the thieves who stole our voice. From Colorado's betrayal to threats against patriots like Rep. Brandi Bradley, Untamed exposes the cartel still defying the will of the people—no more half-measures, no more silence.Algorithmic trading powerhouse Nick Pitruzzello—the "Algo Cowboy" and co-founder of Algo Factory—storms in with his 2026 economic and crypto forecast. As debt explodes past $36 trillion and fiat crumbles, Nick's geopolitics-infused algorithms reveal what's coming: dollar devaluation, BRICS rebellion, and whether Bitcoin surges as digital gold or regulators crush the escape hatch. From hyperinflation hedges to altcoin plays in crisis, Nick arms you with high-performance strategies to survive—and thrive—in the chaos ahead. No coding needed, just raw truth for real-market warriors.The world burns while the fight intensifies: Trump's FBI foils an Islamist New Year's Eve bombing in LA, Australia reels from a father-son massacre at Bondi Beach, and Colorado's own radicals threaten families. Joe closes with fire—this is war on evil, from rigged elections to economic slavery.

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Major UBI study finds the more cash you give to the poor, it just makes them quit and not want to work. The debt is out of control 24 cents of every dollar goes to interest. The [CB] is collapsing. The [CB] mission is to destroy their old system and bring the people to a new system. Trump is helping them destroy their old system. The [DS] is desperate, Trump is ushering in peace and they know if this happens they will lose even more leverage to start a war. The [DS] is trying to divide the people this country and the movement that elected Trump. The know that arrests are coming and they are trying to break the counterinsurgency so the people are not behind Trump. This is already failing, nothing can stop what is coming, nothing. Economy https://twitter.com/profstonge/status/1993658495468728570?s=20 (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); https://twitter.com/zerohedge/status/1993526341665542237?s=20 https://twitter.com/ultrapepemqtter/status/1990938476666048584?s=20 https://twitter.com/JoeLang51440671/status/1993692907115524320?s=20 Political/Rights Los Angeles Mayor Karen Bass Takes Victory Lap Over ‘First Rebuilt House' in Pacific Palisades After Fires – There's Just One Little Problem Los Angles Mayor Karen Bass recently did a little victory dance about the ‘first rebuild' of a house in the Pacific Palisades after the wildfires. Hey, it has only been almost a year, right? There is one little problem with the house that Bass is celebrating, however. It was a developer project that was in the works before the fires even happened. That's right, this house wasn't even one of the average homes destroyed by fires and her incompetence. What a surprise. The New York Post reports: https://twitter.com/austinbeutner/status/1992983832640073862?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1992983832640073862%7Ctwgr%5E1948d10752ca8b2e751627587116d657aa7f9737%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2025%2F11%2Flos-angeles-mayor-karen-bass-takes-victory-lap%2F. Source: thegatewaypundit.com https://twitter.com/ElectionWiz/status/1993619585392853496?s=20 https://twitter.com/FBISanAntonio/status/1993324194008875091?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1993324194008875091%7Ctwgr%5E6ff9acc0b508c58b2c0e326d3b42fe771bbb42d2%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fredstate.com%2Fwardclark%2F2025%2F11%2F25%2Fnew-san-antonio-sweep-nets-51-confirmed-tda-criminals-n2196559 https://twitter.com/RapidResponse47/status/1993341609824731480?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1993341609824731480%7Ctwgr%5Ea663c448b933df11eb2c62c9f899610bb785a839%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2025%2F11%2Fag-bondi-gives-update-memphis-safe-streets-task%2F https://twitter.com/nayibbukele/status/1993419780108550293?s=20 DOGE https://twitter.com/epaleezeldin/status/1993404838596792723?s=20 ZILCH! If Ed Malarkey wants the EPA to release any more funding to Massachusetts for lead pipe replacement, he will have to tell his state to submit a plan to us ASAP on how it is going to spend what it has received previously and is still sitting on. The Trump EPA isn't messing around when it comes to TOTAL ACCOUNTABILITY of precious U.S. taxpayer dollars. Geopolitical https://twitter.com/AAGDhillon/status/1993535086462152800?s=20 The U.S. Department of Justice (DOJ) is establishing a new office within its Civil Rights Division specifically dedicated to enforcing and protecting Second Amendment rights, which guarantee the right to keep and bear arms under the U.S. Constitution. Named the Second Amendment Rights Section, this office is set to open on December 4, 2025, and will focus on investigating and challenging local or state laws, policies, or practices that the DOJ deems as infringing on gun rights.  This move is part of a broader shift in priorities under the Trump administration, reallocating resources to emphasize conservative-leaning civil rights issues, such as gun ownership, over traditional areas like racial discrimination or police misconduct oversight. The initiative stems from a February 2025 executive order by President Donald Trump, which instructed Attorney General Pam Bondi to review and address any federal, state, or local infringements on Second Amendment rights.  The office will operate using existing DOJ funding and personnel, without needing new congressional approval, though Congress was notified of the plans.   former DOJ officials, argue that this emphasis on gun rights dilutes the division’s core mission of safeguarding the rights of marginalized groups, especially amid ongoing gun violence issues in the U.S. (with 378 mass shootings reported as of November 25, 2025).  https://twitter.com/disclosetv/status/1993654295263350864?s=20 SHAME: Brazil Descends Into Tyranny, as Supreme Court Justice Moraes Orders Bolsonaro To Start Serving His Unjust 27-Year Prison Sentence for Fake ‘Coup' Bolsonaro, man of the people. The fakest coup ever. Liberty-loving people in Brazil and around the world are saddened, as a major injustice has taken place. Out-of-control Supreme Court Justice Alexandre de Moraes, a sanctioned human rights abuser, has ordered that former President Jair Bolsonaro begin serving his 27-year prison sentence for plotting an ‘attempted coup'. Under socialist Lula da Silva, the rogue Judiciary is persecuting right-wingers – and no target was more valuable than Bolsonaro. Sanctioned Justice Moraes is still running the country unopposed. CNN reported:   Source: thegatewaypundit.com War/Peace https://twitter.com/amuse/status/1993435854480539753?s=20   despite Trump's January directive to restore all troops forced out under Biden's Covid shot mandate. Officials blame Stephanie Miller, the DoW undersecretary controlling personnel systems, who designed and enforced the original mandate and previously served as the Pentagon's DEI chief. Her husband's work as a defense and pharmaceutical lobbyist adds further conflict concerns. Hegseth and senior Trump deputies have spent months fighting internal resistance to comply with the order. https://twitter.com/ColonelTowner/status/1993459007978172629?s=20   schools/homes repeatedly Russia decides to protect the Ukrainians in the Donbas and therefore according to the CIA: it’s Putin’s war. Trump Says No Firm Deadline for Ukraine, Russia to Reach Peace Deal Trump, speaking to reporters on board Air Force One as he flew to Florida for the Thanksgiving holiday, said U.S. negotiators were making progress in discussions with Russia and Ukraine, and Moscow had agreed to some concessions. He did not detail them. A U.S.-based framework for ending the war, first reported last week, prompted fresh concerns that the Trump administration might be willing to push Ukraine to sign a peace deal heavily tilted toward Moscow. Trump said his envoy Steve Witkoff would be traveling to Moscow soon to meet with Russian President Vladimir Putin, and that his son-in-law Jared Kushner, who helped negotiate the Gaza deal that brought about an uneasy ceasefire in the Israel-Hamas war, was also involved. Trump in recent days had set the Thanksgiving holiday as the day when he wanted to see Ukraine agree to a deal to bring about an end to Russia’s war in Ukraine. But he and his aides have backed away from a firm deadline and now say they would like an agreement as soon as possible. Trump said it appeared that Russia had the upper hand in the war and that it would be in Ukraine’s best interests to reach an agreement. Source: newsmax.com https://twitter.com/kadmitriev/status/1993424275592954337?s=20 https://twitter.com/WarClandestine/status/1993448542397251701?s=20   President Putin in Moscow and, at the same time, Secretary of the Army Dan Driscoll will be meeting with the Ukrainians. I will be briefed on all progress made, along with Vice President JD Vance, Secretary of State Marco Rubio, Secretary of War Pete Hegseth, and White House Chief of Staff Susie Wiles. I look forward to hopefully meeting with President Zelenskyy and President Putin soon, but ONLY when the deal to end this War is FINAL or, in its final stages. Thank you for your attention to this very important matter, and let's all hope that PEACE can be accomplished AS SOON AS POSSIBLE!   DONALD J. TRUMP PRESIDENT OF THE UNITED STATES OF AMERICA Medical/False Flags BREAKING: Government Accountability Office Director Reveals Covert Effort Inside GAO to Defy RFK Jr., Preserve Vaccine Data Deleted by HHS (VIDEO)  A Government Accountability Office Director was caught on undercover video revealing a covert effort to defy RFK Jr. and preserve vaccine data deleted by the HHS. The O'Keefe Media Group posted video of GAO director Steven Putansu admitting to possible violations of federal records and theft laws. Per OMG: Putansu admitted on hidden camera GAO staff “stole and backed up” federal data to keep it outside RFK Jr. led HHS control – a potential violation of several federal statutes, including: – Unauthorized Removal or Destruction of Public Records (18 U.S.C. § 2071) – Theft or Conversion of Government Property (18 U.S.C. § 641) – Computer Fraud & Abuse Act – CFAA (18 U.S.C. § 1030) for accessing or copying government data without authorization. “We've stolen and backed those things up so that someday they can come back to government,” he said to the undercover OMG journalist. Putansu trashed the ‘vaccine deniers' in the HHS. “I'd watch out for the vaccine denying HHS who's going to ruin health care in this country even more than it already is,” he said. “It limits the amount of permanent damage… research he's trying to delete is stored outside his control,” he said. WATCH: The GAO released a statement in response to OMG's undercover video operation: “Regarding your inquiry, GAO collects & retains data for requested audits & engagements in accordance with GAO's statutes & agency protocols. GAO is committed to meeting the highest level of independence, nonpartisanship, & professional standards while conducting audits, evaluations, & investigations & we take seriously any suggestion otherwise.” Source: thegatewaypundit.com https://twitter.com/AwakenedOutlaw/status/1993477109831119259?s=20  prohibited from removing, copying, or concealing official records without authorization, especially to interfere with executive branch operations or policy implementation.’ ~ Grok All told, because sentencing would run concurrently those involved could easily get a 10-year sentence. However, if the DOJ and judge decide to make an example of him/them, they could get more—along with an 8 to 9 figure for restitution + multi-million-dollars fines, effectively bankrupting them and taking everything they owned. Enjoy, shitbirds!  https://twitter.com/nypost/status/1993372507043242297?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1993372507043242297%7Ctwgr%5Ea7086b8f00b98d794a84ab5935e8ccda69f80d81%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fredstate.com%2Fkatie-jerkovich%2F2025%2F11%2F25%2Fone-guess-why-worlds-strongest-female-winner-was-stripped-of-title-n2196553 https://twitter.com/libsoftiktok/status/1993374918315319533?s=20 https://twitter.com/SecScottBessent/status/1993411604520505719?s=20   for contributions to qualifying Scholarship Granting Organizations, marking the first time a federal tax credit directly supports private donations for K-12 education. Treasury is working with states now to ensure readiness for implementation. Education is the first step to financial freedom, and the Trump Administration is committed to providing pathways to support students nationwide. [DS] Agenda Democrat Congresswoman Sheila Cherfilus-McCormick Surrenders to Authorities After Allegedly Laundering $5 Million in FEMA Funds — Allegedly Bought 3.14-Carat Yellow Diamond Ring A sitting Democratic member of Congress from Broward County, Sheila Cherfilus-McCormick, surrendered to federal authorities Tuesday in Miami amid explosive allegations that she orchestrated a scheme to steal and launder $5 million in FEMA COVID-19 disaster relief funds, and used a portion to bankroll her 2021 congressional campaign and purchase a luxury yellow diamond ring. “The indictment alleges that the defendants conspired to steal that $5 million and routed it through multiple accounts to disguise its source. Prosecutors allege that a substantial portion of the misappropriated funds was used as candidate contributions to Cherfilus-McCormick's 2021 congressional campaign and for the personal benefit of the defendants. According to the Miami Herald, the money trail reveals a stunning web of alleged financial abuse and deception: $2.4 million transferred into the bank account of Cherfilus-McCormick's consulting company. $1.2 million routed to relatives. $830,000 moved into an account where the congresswoman was an authorized signer. $334,000 sent to a co-defendant, Nadege Leblanc, to orchestrate straw donor contributions. $190,000 transferred to a company associated with her brother, Edwin Cherfilus. $109,000 allegedly used to purchase the now-infamous 3.14-carat Fancy Yellow Diamond ring. The indictment alleges that more than $1.14 million was then funneled into her campaign account in September and October 2021, just in time for her congressional race, funds prosecutors say were “illegally sourced and misrepresented” on campaign reports and tax returns. Source: thegatewaypundit.com https://twitter.com/ZohranKMamdani/status/1993107017100304653?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1993107017100304653%7Ctwgr%5E271a9bb4777a48bf3973b6303388944477019e08%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.dailysignal.com%2F2025%2F11%2F25%2Fmamdani-names-radical-cop-hating-professor-to-community-safety-post%2F https://twitter.com/thestustustudio/status/1993111704629395961?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1993111704629395961%7Ctwgr%5E271a9bb4777a48bf3973b6303388944477019e08%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.dailysignal.com%2F2025%2F11%2F25%2Fmamdani-names-radical-cop-hating-professor-to-community-safety-post%2F   humanity. This is the worldview Mamdani is bringing into city government. https://twitter.com/amuse/status/1993689427940426054?s=20 https://twitter.com/amuse/status/1993491221902418137?s=20 https://twitter.com/CynicalPublius/status/1993497362451296263?s=20  context, as people need to understand certain precedents that illustrate the following points: 1. What the Sedition 6 have done is unprecedented since the Civil War. 2. Historic U.S. military success in some cases may never have happened had the Sedition 6 had a say at the time. 3. The exercise of lethal force we are seeing again the invading drug boats is both legal and consistent with past US actions by some of our greatest Presidents, and is consistent with the Monroe Doctrine. 4. The act of undermining a nation's military through perfidious information ops is a classic behavior of fascists and communists. History speaks, and should be our guide. Links: THREAD President Trump's Plan https://twitter.com/DataRepublican/status/1993590807002333358?s=20  n Without War to advertise seditious-adjacent behavior on billboards. And Win Without War has multiple Congressional liaisons on their “About” page. National Lawyers Guild is an infamous supporter of antifa per @MrAndyNgo , which of course is now a foreign terrorist organization. cc: @CynicalPublius https://twitter.com/DataRepublican/status/1993668483125576071?s=20   Lawyers Guild (NIPNLG) is a fiscally sponsored project of the Alliance for Global Justice (AfGJ), and the NLG as a whole is widely recommended as the primary legal contact and support provider for participants in pro-Palestine and immigration protests. Win Without War is a fiscally sponsored project of the Center for International Policy (CIP), as disclosed on CIP's 2019 IRS Form 990. The Center for International Policy (CIP) is a progressive think tank advocating for a non-militaristic U.S. foreign policy centered on diplomacy, transparency, human rights, and solutions to war, corruption, inequality, and climate change.  CIP's major funders include Open Society Foundations (George Soros), Carnegie Corporation of New York, Rockefeller Brothers Fund, Charles Koch Foundation, David and Lucile Packard Foundation and McKnight Foundation, among others (per Cause IQ and public 990 filings). https://twitter.com/mrddmia/status/1993720894020063590?s=20  presidential election, which is allowed by the Electoral Count Act of 1887 and the First Amendment. That's why Democrats didn't face charges for objecting to Republican presidential wins in 1968, 2000, 2004, and 2016. Fani Willis took our country https://twitter.com/julie_kelly2/status/1993418873127805086?s=20   allegations that she had placed the explosive devices outside Democratic and Republican party offices. ODNI officials said the agency received a tip from a person affiliated with a media organization about potential criminal wrongdoing by an individual believed to be working at an intelligence agency and set about documenting it in a memo. A short time after the unfinished memo began to circulate, the conservative news outlet, Blaze News, published details similar to those in the draft, including the woman’s full name. CBS News was not shown the memo, but sources said McNamara had accessed confidential files to obtain details about the woman for the draft memo, including her place of work and Social Security number. The federal security officer cooperated with the FBI, sources close to the matter said. Her lawyer said publicly she had done nothing wrong. Both the woman and her lawyer declined to comment. She returned to work after being placed on a brief leave, one of the sources said.” Another “Seven Ways from Sunday” Effort Against DNI Tulsi Gabbard – The J6 Pipe Bomber Was Wrongly Identified  CBS is writing a narrative through the background story of how the wrong identity was originated, and that tracks back to Director of National Intelligence, Tulsi Gabbard.  In essence, a hit against Tulsi Gabbard emerges, and the details end up showing a transparent intelligence operation for those who have paid close attention. According to CBS an anonymous “whistleblower” originally contacted the ODNI, Tulsi Gabbard's office, with information about who the J6 pipe bomber was.  Subsequently, “a unit overseen by Director of National Intelligence Tulsi Gabbard drafted a memo identifying the woman and describing allegations.” As the article is written, “Several sources told CBS News that the classified draft memo, which was on ODNI letterhead, was written by Paul McNamara, who is in charge of Gabbard's Director's Initiatives Group, which is tasked with providing “transparency and accountability” and executing President Trump's intelligence-related executive orders.” Shortly thereafter, Steve Baker at Blaze News then wrote an article naming the accused pipe bomber, using information that directly paralleled the report within the DNI's office. The accused woman was cleared during an FBI investigation that stemmed from the memo and The Blaze report.   The woman provided an alibi and recordings of her activity timestamped during the time when she was accused of walking through the streets of Washington DC.  CBS narrative doesn't focus on The Blaze or the reporting of Steve Baker, instead the media hit shifts responsibility to Tulsi Gabbard who is operating outside her intelligence oversight lane and conducting independent investigations which includes information from “outside sources.” Having followed the operations of these embed “intel officials” the motive for this operation against the office of the DNI is clear.  You, me, all of us can see with clear non-pretending eyes, the intent of this op was to change the way Tulsi Gabbard is receiving information and to block the delivery of external sunlight. Source: theconservativetreehosue.com https://twitter.com/SenRonJohnson/status/1993418804794474815?s=20   eliminating political opposition. These records are only the tip of the iceberg. https://twitter.com/DC_Draino/status/1993425046849692155?s=20   totally false. Come on Kash, let's take a picture to show them you're doing a great job!” Do not believe the Fake News! https://twitter.com/TheChiefNerd/status/1993489608034693365?s=20 TAKE A LISTEN https://twitter.com/drawandstrike/status/1993455727718060348?s=20  (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:13499335648425062,size:[0, 0],id:"ld-7164-1323"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="//cdn2.customads.co/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");