Podcasts about downturn

Welp, it was inevitable wasn't it? The Islanders finally hit a rough patch and are feeling the absence of Bo Horvat and Kyle Palmieri. Sean & Arthur get behind the microphones to chat about the three straight losses and how the Isles can bounce back with big games coming up against the Devils and Rangers.Follow HNiNY on all social media platforms at @hockeynightnySponsored by Nok HockeySponsored by Raiser, Kenniff, & Lonstein Attorneys at LawRecorded at Floored MediaSubscribe to our friends at IslesFix newsletter!

The Washington State Tree Fruit Association recently held their annual meeting with growers, packers, shippers and others from the industry gathering in Wenatchee.

Send us a textFrom blue-collar grind to buying storage facilities, Kevin Stearns isn't your typical investor, and that's exactly the point. Joe Downs talks with Kevin, a former oil rig worker and dumpster rental operator who in just six months, went from learning the ropes to closing his first dealNo fancy degree, no investor pedigree. Just drive, curiosity, and mentorship. Hear how Kevin went from heavy labor to passive income, why he sold his rentals, and how he's now on his second deal with eyes on full-time storage domination.For anyone who wonders, “Can I actually do this?” Spoiler alert: Kevin's journey says YES. WHAT TO LISTEN FOR3:53 Why did he sell multifamily rentals for a dumpster business?6:27 What made self-storage the “right” business?12:44 How did Kevin find his first self-storage deal?23:23 What's the biggest lesson after owning a facility for 3 months?  Leave a positive rating for this podcast with one click Connect with guest: Kevin Stearns, Owner | CEO | Real Estate Investor at STEARNS INVESTMENTS, LLCWebsite | LinkedIn CONNECT WITH USWebsite | You Tube | Facebook | X | LinkedIn | Instagram Follow so you never miss a NEW episode! Leave us an honest rating and review on Apple or Spotify.

On this episode of the AJ Bell Money & Markets podcast, discover problems on the high street for one well-known retailer [01:33], and why the UK cinema industry is hoping for a last-minute flurry of bookings in 2025 [03:15]. Dan Coatsworth considers what the latest UK economic data is telling us [05:11], and Tom Sieber chats about UK property market trends, planning reforms and what could be in store for real estate in 2026 [08:48]. The pod team explore how financial markets behaved in 2025 [14:31]. Dan chats with AJ Bell's managing director for the investments divisions, Ryan Hughes, about what he thought of the year [17:10]. Dan and Tom run through the winners and losers on the UK and US stock markets over the past 12 months. They chat about Fresnillo, Lloyds, Applovin, WPP, Auto Trader and more. While markets have generally done well in 2025, the podcast always has its eye on the future and there's quite a few people approaching 2026 with a sense of dread. With that in mind, the podcast spoke to Charlotte Yonge from the Trojan Fund and Personal Assets Trust about how she runs an investment strategy with protection at the heart of it [45:34]. Finally, Dan talks to AJ Bell chief executive Michael Summersgill about what's needed to get more people saving and investing for the future [56:08].

December 17, 2025 - Zach and Chase discuss the current state of the market, focusing on key indicators, AI's impact, and the competitive landscape of major companies like Tesla and Oracle. They delve into the implications of inflation, investment strategies in cyclical markets, and the energy sector's resilience. The conversation also touches on mining stocks, precious metals, and the future of wearable technology, particularly for Apple.

Send us a textWhat's the real cost of a bad self-storage deal? Try six figures…and that's if you're lucky.Joe Downs teams up with operations and acquisitions expert Jack Pezzino to uncover the real-world mistakes that separate self-storage winners from warning signs. With decades of experience and more than $50M in deals under their belt, the Belrose Group duo dives into the costly blunders new investors make, everything from believing national headlines over local data, to underestimating snow removal costs, to skipping crucial digital due diligence. They explain how “average” expense ratios can be dangerously misleading, how local quirks (like rivers or snowy climates) destroy underwriting assumptions, and why a good attorney is more than just a legal line item, they're your last line of defense. This episode is packed with painful lessons you'll want to learn the easy way—from someone else's mistakes.  WHAT TO LISTEN FOR2:14 How can national self storage headlines mislead new investors?4:09 What key expenses are often missed when analyzing facilities in snowy regions?8:14 Why is supply index misleading without local context?14:29 What digital due diligence steps do most investors skip?28:47 How can the right attorney save your self storage deal?Leave a positive rating for this podcast with one click CONNECT WITH GUEST: JACK PEZZINO, VP OF ACQUISITIONS BELROSE STORAGE GROUPWebsite | LinkedIn JOE DOWNS, CEO BELROSE STORAGE GROUPLinkedIn  | Website  CONNECT WITH USWebsite | You Tube | Facebook | X | LinkedIn | Instagram Follow so you never miss a NEW episode! Leave us an honest rating and review on Apple or Spotify.

Send us a textEver wonder how a great-looking self-storage deal turns into a financial disaster? Joe Downs sits down with acquisitions expert Jack Pezzino to uncover the most common and costly mistakes new investors make when diving into self-storage. From market analysis missteps to overlooked tax reassessments, Jack shares real-world examples and battle-tested strategies that can save you tens, even hundreds, of thousands of dollars. Together, they walk through the structure of their intensive five-week FMG course, offering a rare inside look into the tools, frameworks, and mindset needed to buy smart, underwrite confidently, and operate like a pro in today's market. WHAT TO LISTEN FOR:11 What's the $133K spreadsheet mistake most new investors miss?3:13 Why is analyzing the market more important than the deal itself?10:40 What's the occupancy paradox and how can it trick new investors?15:37 What are the most common underwriting mistakes and how do they kill deals?22:02 How do you actually finance a $1M self-storage deal with little money down? CONNECT WITH GUEST: JACK PEZZINO, VP OF ACQUISITIONS BELROSE STORAGE GROUPWebsite | LinkedIn JOE DOWNS, CEO BELROSE STORAGE GROUPLinkedIn  | Website CONNECT WITH USWebsite | You Tube | Facebook | X | LinkedIn | Instagram Follow so you never miss a NEW episode! Leave us an honest rating and review on Apple or Spotify.

MCPS faces criticism for wrong calls and "gaslighting" over snow closure calls last week. Can this be done better? MCPS has announced adjustments to its ongoing boundary and program change proposals. The teacher's union announces Apple Ballot recommendations for next year's elections much earlier than the past. Montgomery County Council staff is now projecting declining revenues from property and income taxes. And more. Music by Kara Levchenko.

Send us a textIs this the moment to get bold with your next self storage move, or the moment to back away?Scott Meyers sits down with broker and former principal investor David Perlleshi of Franklin Street to unpack why today's selective market may actually be the best buying climate since the mid two thousands. David traces his path from acquiring and expanding mom and pop facilities in the Carolinas to brokering nearly two hundred properties nationwide, giving him a rare view from both the ownership and sales sides. He explains how values have reset to twenty sixteen through twenty eighteen levels, why true motivation now separates real sellers from market testers, and how smart buyers should think in price per foot rather than fixating on yesterday's cap rates. Along the way he shares what makes a great buyer in the eyes of a broker, the biggest mistake sellers make when they decide to list, and why self storage is not a set it and forget it asset but a real operations business that rewards speed, preparation, and collaboration.WHAT TO LISTEN FOR:50 How did David go from principal investor to national self storage broker?5:09 What is really happening with pricing, values, and supply in self storage today?7:56 How can you tell if a seller is truly motivated to meet the market?11:27 Why are buyers and lenders chasing stabilized deals and avoiding stalled lease up projects?18:22 What separates a merely good buyer from a great buyer in the eyes of brokers?Leave a positive rating for this podcast with one clickConnect with guests: David PerlleshiWebsite | LinkedIn | X | Facebook| Instagram| EmailCONNECT WITH USWebsite | You Tube | Facebook | X | LinkedIn | Instagram

Stephen Grootes speaks to Busi Mavuso, CEO of Business Leadership South Africa, about why the upcoming appointment of the National Director of Public Prosecutions is pivotal for South Africa’s business climate, highlighting how rule of law failures drive up transaction costs and why structural reforms are essential to empower the new NDPP beyond just the selection process. In other interviews, Carel de Jager, Research lead for Blockchain technology at the CSIR explains the renewed cryptocurrency sell-off, as Bitcoin slid to around $86,553 and Ethereum dropped to $2,836 amid global risk-off sentiment and regulatory pressures from China. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.    Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Follow us on social media   702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Send us a textWhat if failure in one business is exactly what launches your success in another? Scott Meyers sits down with Ramel Newerls, a former residential real estate investor who turned a frustrating eviction moratorium into a self-storage empire. From owning 40+ rental units to managing multiple storage facilities, Ramel shares how a single tenant's need sparked an epiphany that changed his financial trajectory. He dives into the exact strategies that got him direct-to-seller deals, SBA financing, and how he's scaling with confidence. This episode is an inspiring blueprint for anyone ready to ditch tenants, toilets, and trash for the clean cash flow of self-storage. WHAT TO LISTEN FOR:54 What triggered Ramel's pivot from residential to self storage?3:01 How did Ramel get his first deal through consistent follow-up?7:59 What mindset helped him overcome the fear of transitioning?14:48 How was the deal structured financially, and what creative tactics did he use?20:08 Which marketing strategy actually worked to lease up units? Leave a positive rating for this podcast with one click GUEST: RAMEL NEWERLSWebsite| LinkedIn| Instagram CONNECT WITH USWebsite | You Tube | Facebook | X | LinkedIn | Instagram 

California winegrape growers have removed nearly 40,000 acres of vineyards, roughly 7% of the state's winegrape acreage, and the Trump administration proposes sweeping changes to the Endangered Species Act, setting up a fight with conservation groups.

Scott Galloway answers questions on the age divide in the No Kings protests, how to build a company in a challenging market, and the ways he thinks about influence and impact. Want to be featured in a future episode? Send a voice recording to officehours@profgmedia.com, or drop your question in the r/ScottGalloway subreddit. Learn more about your ad choices. Visit podcastchoices.com/adchoices

We went live, the chat exploded, and a listener voiced what so many feel but rarely say out loud: “I've followed the rules—so why doesn't my Retirement Plan feel safe?” https://www.youtube.com/live/gFQYEJWlWpI Bruce gave me the look that says, “Let's tell the truth.” Because we've seen it over and over: neat projections, tidy averages, and a plan that works—until the world doesn't. Markets don't ask permission. Inflation doesn't use a calendar. Life throws curveballs, blessings, and bills. If your Retirement Plan only survives in a spreadsheet, it's not a plan—it's a hope. Today, let's trade hope for structure and anxiety for action. What You'll Gain From This GuideYour Retirement Plan Isn't Just Math—It's LifeRetirement Planning Risks You Can't IgnoreSequence of Returns RiskInflation and the Cost-of-Living SqueezeTaxes (The Leak You Don't See)Is the 4% Rule Still Useful? The 4% Rule Is a Guide, Not a GuaranteeThe Cash-Flow ToolkitFoundations — Guaranteed Income in RetirementFlexibility — Cash Value Life InsuranceDiversifiers — Alternative Income InvestmentsRetirement Plan Buckets Liquidity / “Free” Bucket (safety net)Income Bucket (essentials)Growth / Equity Bucket (long-term engine)Estate / Legacy Layer (optional)Taxes: Design for Control, Not SurpriseBehavior, Purpose, and Work You LoveInfinite Banking—Where It Fits in a Retirement PlanWhat Makes a Strong Retirement Plan?Take the Next StepBook A Strategy CallFAQWhat makes a strong retirement plan?Is the 4% rule safe for my retirement plan?How do taxes impact my retirement plan?Can whole life fit into a retirement plan?What are retirement income buckets?How can I protect my retirement from inflation?What's the role of annuities vs bonds in a retirement plan?Who qualifies as an accredited investor? What You'll Gain From This Guide In this article, Bruce and I break down what actually makes a strong Retirement Plan for real families: Why accumulation-only thinking creates a false sense of security—and how to pivot toward reliable income. The big retirement planning risks to plan for: sequence of returns risk, inflation and retirement, and taxes. Why the 4% rule retirement guideline is a starting point, not a promise. How to use retirement income buckets—in the same language we used on the show—to avoid selling at the worst time. Where guaranteed income in retirement, cash value life insurance, and (when appropriate) alternative income fit. How Roth conversions, withdrawal sequencing, and structure put you back in control. You'll walk away with a practical framework to move from “big balance” thinking to a Retirement Plan you can live on—calmly. Your Retirement Plan Isn't Just Math—It's Life Static models vs dynamic lives.As Bruce said, no family is static. Monte Carlo averages over 50–100 years don't describe your next 20. Averages hide timing risk. If poor returns arrive early while you're withdrawing, “average” performance won't save the plan—cash flow will. From accumulation to income.Most of us were trained to chase a number. But the goal of a Retirement Plan isn't a pile—it's predictable cash flow you can spend without gutting your future. That shift—from “How big?” to “How dependable?”—changes the tools you choose and the peace you feel. Use the LIFE purpose filter.We run every dollar through a purpose lens: Liquid, Income, Flexible, Estate. When each bucket has a job, decisions get simpler and outcomes get sturdier. Retirement Planning Risks You Can't Ignore Sequence of Returns Risk How Your Retirement Plan Avoids Selling Low Sequence risk is the danger of bad returns showing up early in retirement. If your portfolio drops while you're taking income, you must sell more shares to fund the same lifestyle. That shrinks the engine that's supposed to recover—and can cut years off a plan. Your protection: hold dedicated reserves and reliable income so market dips don't force sales. (We'll detail our buckets in a moment—exactly as we discussed on the show.) Inflation and the Cost-of-Living Squeeze Build Inflation Awareness Into Your Retirement Plan Prices don't rise politely. Even modest inflation, compounded, squeezes fixed withdrawals. Bond yields, dividend cuts, and rising living costs can collide. Your protection: blend growth and income that can adjust, avoid locking everything into fixed payouts that lose purchasing power, and review spending annually so your Retirement Plan keeps pace with reality. Taxes (The Leak You Don't See) Retirement Plan Tax Strategy & Withdrawal Sequencing Withdrawals from tax-deferred accounts are ordinary income. That can: Push you into higher brackets Trigger IRMAA Medicare surcharges Increase the taxation of Social Security Complicate capital gains planning Your protection: design taxable, tax-deferred, and tax-free buckets; use Roth conversions in favorable years; and sequence withdrawals to manage brackets and RMDs—not the other way around. Is the 4% Rule Still Useful? The 4% Rule Is a Guide, Not a Guarantee Stress-Test Withdrawal Rates You Can Actually Live With We don't hate the 4% rule; we just refuse to outsource your life to it. Yields, inflation, fees, and timing change the math. When low-yield years pushed chatter toward “2.8%,” it proved the point. A better approach: Stress-test 3%–5% withdrawal rates. Add non-market income (pensions, annuities vs bonds, business/real-asset cash flow). Keep dedicated reserves so you don't sell at the bottom. Turn a rule of thumb into a plan. The Cash-Flow Toolkit Foundations — Guaranteed Income in Retirement Cover Essentials, Then Take Prudent Risk A predictable floor is priceless. Pensions, Social Security, and income annuities can cover core expenses so volatility doesn't dictate your grocery list. You trade some upside for contractual certainty—and many families prefer sleeping well to chasing every basis point. Flexibility — Cash Value Life Insurance Downturn Buffer, Tax-Advantaged Access, and Legacy Backfill Done properly, this can strengthen a plan: Downturn buffer: use cash value to fund spending during market slides—avoid selling equities at a loss. Tax-advantaged access: policy loans/distributions (managed correctly) can supplement income without spiking taxable income. Legacy backfill: the death benefit protects a spouse and replenishes assets for heirs, letting you spend with confidence. This is one reason infinite banking retirement thinking resonates: control and optionality matter when life isn't linear. Diversifiers — Alternative Income Investments Accredited Investor Rules, Liquidity, and Position Size For those who qualify under accredited investor rules, private credit, income-oriented real estate, or operating businesses can provide alternative income investments with lower correlation to public markets. They're not risk-free and often lack daily liquidity—so size positions prudently. The draw is simple: steadier cash flow vs accumulation. Retirement Plan Buckets We didn't frame them by time horizons on the episode; we framed them by purpose. Here's the exact structure we discussed and use with families: Liquidity / “Free” Bucket (safety net) Cash, money market, CDs, cash value life insurance.Purpose: fund spending and surprises without touching equities during a downturn; bridge timing gaps so sequence risk doesn't bite. Income Bucket (essentials) Social Security, pensions, annuity income, bond ladders, durable dividend payers.Purpose: dependable monthly cash flow for core lifestyle needs so markets don't control your paycheck. Growth / Equity Bucket (long-term engine) Broad equity exposure and other long-term growth assets.Purpose: outpace inflation and periodically refill income/liquidity buckets. Estate / Legacy Layer (optional) Life insurance death benefit, beneficiary designations, trusts.Purpose: protect a spouse and pass values + capital with clarity. Taxes: Design for Control, Not Surprise Roth conversions:Convert slices of tax-deferred money when brackets are favorable to grow your tax-free bucket. Withdrawal sequencing:Blend taxable/Roth/tax-deferred withdrawals to target bracket thresholds, manage IRMAA, and soften RMDs later. Give with intention:If charitable, consider appreciated assets or bunching strategies; align with your estate plan. We also coordinate tax buckets—taxable, tax-deferred, and tax-free (Roth/cash value)—so your Retirement Plan controls brackets, IRMAA, and RMDs rather than the other way around. A tax-smart Retirement Plan can add years of sustainability without asking for more market risk. Behavior, Purpose, and Work You Love Clarity about why the money matters anchors behavior when markets wobble. Travel with grandkids? Fund ministry? Launch a family venture? Purpose steadies the hand. And one more lever: if you enjoy your work, consider delaying full retirement. Each extra year can improve the math dramatically—more contributions, fewer withdrawal years, and potentially higher Social Security benefits. Infinite Banking—Where It Fits in a Retirement Plan Lenders profit from your lifetime financing. Strengthening your family's “bank” can keep more control in your hands: Finance major purchases through your system rather than outside lenders—recapture more interest. Maintain cash value as a volatility buffer. Use the death benefit to protect a spouse and fund legacy goals. It's not magic. It's discipline and design—complementary to the rest of your Retirement Plan. What Makes a Strong Retirement Plan? Built for dynamic lives, not static spreadsheets. Prioritizes cash flow you can spend, not just a big balance. Plans around sequence risk, inflation, and taxes—on purpose.

LISTEN and SUBSCRIBE on:Apple Podcasts: https://podcasts.apple.com/us/podcast/watchdog-on-wall-street-with-chris-markowski/id570687608 Spotify: https://open.spotify.com/show/2PtgPvJvqc2gkpGIkNMR5i WATCH and SUBSCRIBE on:https://www.youtube.com/@WatchdogOnWallstreet/featured  A sharp deterioration in white-collar jobs exposes a growing mismatch in the U.S. labor market: too many degree-holders, not enough hands-on workers. The result? Nearly 2 million unemployed college-educated Americans, the worst since the early '90s. Young graduates are getting crushed, STEM majors included, while mainstream commentators gloss over the deeper structural issues. Chris breaks down the real story behind the numbers—and why the public feels a downturn even as TV pundits insist everything is great.

Send us a textThis is a REPLAY of an episode first published in April 2024. Software solutions are helping manage all aspects of maintaining facilities, from tracking tasks and schedules to providing insights on operational improvements. In this episode, Jadob Pandl and Bob Linneman of NodaFi join Scott to highlight the importance of having a centralized system for facility operations, especially for new entrants in the industry. They also discuss the potential for technology to create an ecosystem where different applications can communicate with each other, leading to more efficient operations. Storage facility owners need to embrace technology to enhance their operations and improve their return on investment. WHAT TO LISTEN FOR2:09 Enhancing Operational Efficiency3:08 Data-Driven Decision-Making14:18 Remote Management Capabilities25:33 Technology Integration and Ecosystem Development Leave a positive rating for this podcast with one click GUEST: JACOB PANDL, NodaFiWebsite | X | LinkedIn GUEST BOB LINNEMAN, NodaFiWebsite CONNECT WITH USWebsite | You Tube | Facebook | X | LinkedIn | Instagram Follow so you never miss a NEW episode! Leave us an honest rating and review on Apple or Spotify.

Mario Lagana dissects what he sees as a topping process in the broader market, driven by institutional distribution rather than mere consolidation. He points to market leaders such as Meta Platforms (META) and Amazon (AMZN) showing weakness before the wider market sell-off. Despite a lack of a single news catalyst, he suggests a combination of factors, including A.I. valuation concerns, contributed to the decline. He identifies opportunities in biotech and healthcare, highlighting CrowdStrike (CRWD), Broadcom (AVGO), and Intuitive Surgical (ISRG) as standout names exhibiting strong technical patterns amid the market's downturn.======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

Ed, Rob, and Jeremy took some time from the final hour of Tuesday's BBMS to discuss Lamar Jackson's recent struggles. Some are saying he's playing without any confidence. Others contend he's still injured. Is it time to panic about the two-time MVP?

Gargi Chaudhuri, chief investment and portfolio strategist for the Americas at BlackRock, says the market's recent action represents "a fairly healthy pullback," the kind of periodic "cleansing" that markets go through, and that the recent action is less based on whether earnings can continue to drive valuations higher than it is on nervousness over the Federal Reserve's next move. Chaudhuri says that the current focus on whether the Fed will cut rates again in December is misplaced, because continued earnings growth, gross domestic product numbers and the fundamentals of the stock and bond markets will do more to determine how long the bull market lasts. That long view also coincides with BlackRock's latest "People and Money Survey," which Chaudhuri noted showed that staying invested long-term and riding out markets rewards investors more than trying to time markets. David Trainer, founder/president at New Constructs, says that agentive artificial intelligence has advanced to where it can provide investors with a real edge when it comes to choosing superior stocks and funds, and he warns that people who don't adopt AI for at least a part of their portfolio will be dooming themselves to below-average returns. He also explains how these forms of AI are different from the ones that are known for giving bad answers to personal-finance questions, which Chuck discussed on the show last week with Robert Farrington of The College Investor. Plus, Peter Krull, director of sustainable investing at Earth Equity Advisors, returns to the show after his recent appearance in the Market Call to discuss his new book, "The Sustainable Investor: Responsible, Impactful, and Values-Driven Investing Strategies and Practices for Financial Professionals." Krull discusses past, current and future forms of "responsible investing."

Send us a textWhat if the most powerful leadership move you could make started before 4 a.m.? Scott Meyers peels back the curtain on his famously intentional 3:53 a.m. wake-up routine. He shares how this early start gives him a daily edge, not just in productivity, but in spiritual clarity and decision-making as a business leader. With stories from the trenches, scientific backing, and biblical wisdom, Scott shows how winning the morning leads to winning your direction. Whether you're a CEO, a solopreneur, or someone seeking deeper alignment in life, this episode offers a compelling roadmap to leading your day instead of following it. WHAT TO LISTEN FOR:10 Why does Scott wake up at exactly 3:53 a.m.?2:24 How can early mornings transform your clarity and focus?4:49 What leadership lesson changed after a 3:53 a.m. prayer?7:12 What does science say about morning discipline and decision-making?14:18 How can you design your own “3:53 advantage” Leave a positive rating for this podcast with one click  CONNECT WITH USWebsite | You Tube | Facebook | X | LinkedIn | Instagram

The Warehouse is being his hard by the tough economic conditions. New reports show profits are down and the retail giant is looking to slash jobs. Harbour Asset Management's Shane Solly explained further. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Plus, Paramount, Comcast and Netflix prepare bids for Warner Bros. Discovery ahead of the November deadline. And 2026 shapes up to be the worst college graduate job market in five years. Kate Bullivant hosts.  Sign up for WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

In today's episode, Jack sits down with Jeff Riddle, founder of Alterra Landscape Design in Dallas, to talk about what it really takes to keep a landscape company growing—even when the market softens. Jeff shares how Dallas is seeing more competition than ever before, why lead volume has dipped, and the surprising reasons many landscape firms are feeling anxious even in a still-healthy market. Yet instead of cutting back, Jeff explains why Alterra has intentionally increased marketing investment, upgraded their website, and leaned into long-term branding strategies.You'll also hear how video, reviews, deep content, and boots-on-the-ground storytelling help Alterra stand out in a market with 75% more competitors than two decades ago. From navigating AI-driven search to using ChatGPT for content creation, Jeff offers practical, real-world lessons landscape companies can apply right now.You'll Learn:Why cutting marketing in a downturn is a costly mistakeHow long-term marketing investments “harvest” results years laterWhat landscape companies need to know about AI-driven searchWhy deep content, reviews, and video outperform competitorsHow Alterra creates steady demand in an oversaturated marketConnect With Today's Guest: 

Bihar has voted and elections result will be out tomorrow. Before the verdict, ThePrint Editor-In-Chief Shekhar Gupta revisits the 2014 #WritingsOnTheWall which predicted downturn in Nitish Kumar's electoral fortunes in Lok Sabha elections & how the fight was for or against Modi. He had also described how Biharis got a new sense of pride, and the growth story of rural Bihar. Stirrings in a Hopeless Land 26 February 2005 https://theprint.in/opinion/writings-on-the-wall/stirrings-in-a-hopeless-land/472370/ Glimmer in heart of darkness 19 November, 2005 https://theprint.in/sg-writings-on-the-wall/glimmer-in-heart-of-darkness-2/544364/ A mandate for Nitish Hope Kumar 22 November, 2010 https://theprint.in/sg-writings-on-the-wall/a-mandate-for-nitish-hope-kumar/544132/ When lonely Lalu misses gentleman Sonia,and a Muslim calls Nitish 'sher ka bachcha' 23 November, 2010 https://theprint.in/sg-writings-on-the-wall/when-lonely-lalu-misses-gentleman-sonia-and-a-muslim-calls-nitish-sher-ka-bachcha/544130/ --------------------------------------------------------------------------------------------- Bihar isn't ‘ruined' by agri reform. This ‘branded underwear theory' from 2010 shows why November 2010 https://theprint.in/sg-writings-on-the-wall/bihar-isnt-ruined-by-agri-reform-this-branded-underwear-theory-from-2010-shows-why/564396/ Huggies diapers in Vaishali, Muslim-Dalit IIT-Jee coalition 7 May 2014 https://indianexpress.com/article/opinion/columns/writings-on-the-wall-huggies-diapers-in-vaishali-muslim-dalit-iit-jee-coalition/ Gen Gana Mana of Youth 7 November 2015 https://theprint.in/sg-writings-on-the-wall/gen-gana-mana-of-youth/544361/ https://theprint.in/sg-writings-on-the-wall/writings-on-the-wall-huggies-diapers-in-vaishali-muslim-dalit-iit-jee-coalition/543990/ --------------------------------------------------------------------------------------------- Exclusive content, special privileges & more – Subscribe to ThePrint for Special benefits: https://theprint.in/subscribe/ --------------------------------------------------------------------------------------------- Connect with ThePrint » Subscribe to ThePrint: https://theprint.in/subscribe/ » Subscribe to our YouTube Channel: https://bit.ly/3nCMpht » Like us on Facebook: https://www.facebook.com/theprintindia » Tweet us on Twitter: https://twitter.com/theprintindia » Follow us on Instagram: https://www.instagram.com/theprintindia » Find us on LinkedIn : https://www.linkedin.com/company/theprint » Subscribe to ThePrint on Telegram: https://t.me/ThePrintIndia » Find us on Spotify: https://spoti.fi/2NMVlnB » Find us on Apple Podcasts: https://apple.co/3pEOta8

Steiny & Guru talk about why the Warriors best chance may have been last season and also chat with NBC Sports Bay Area's Monte Poole about the 6-6 start.

Deutsche Bank: "Gold's Downturn Is Almost Over" A few weeks ago, we saw the culmination of possibly the greatest gold and silver rally in history, which left gold well over $4,000 and silver reaching as high as $54 per ounce. Then the sell-off came. But as vicious as the sell-off was, now the metals are rallying again, and even Deutsche Bank is saying the correction is almost, if not completely over. To find out more about the latest news on volatile Monday to start the week, click to watch this video now! - To get access to Vince's research in 'Goldfix Premium' go to: https://vblgoldfix.substack.com/ - Get your free copy of Arcadia's Silver Report here: https://goldandsilverdaily.substack.com/p/arcadia-silver-report-an-overview - Get access to Arcadia's Daily Gold and Silver updates here: https://goldandsilverdaily.substack.com/ - Join our free email list to be notified when a new video comes out: click here: https://arcadiaeconomics.com/email-signup/ - Follow Arcadia Economics on twitter at: https://x.com/ArcadiaEconomic - To get your copy of 'The Big Silver Short' (paperback or audio) go to: https://arcadiaeconomics.com/thebigsilvershort/ - Listen to Arcadia Economics on your favorite Podcast platforms: Spotify - https://open.spotify.com/show/75OH2PpgUpriBA5mYf5kyY Apple - https://podcasts.apple.com/us/podcast/arcadia-economics/id1505398976 - #silver #silverprice #gold And remember to get outside and have some fun every once in a while!:) (URL0VD)Subscribe to Arcadia Economics on Soundwise

Send us a textIs self storage the new co-working frontier? Scott Myers peers into the future of an industry that's evolving faster than ever. Gone are the days of rows of metal doors and dusty hallways—today's facilities are sleek, smart, and multi-purpose, designed to serve not just people's possessions but their businesses, creativity, and community connections. Scott unpacks how tech-enabled design, e-commerce integration, and hybrid business models are redefining storage into a flexible, revenue-generating ecosystem where entrepreneurs thrive. From micro-warehouses and fulfillment zones to co-working spaces built right into storage facilities, this episode reveals how forward-thinking investors can turn “boxes and locks” into the next generation of profitable, people-focused real estate. WHAT TO LISTEN FOR:11 What does the future of self storage look like? 1:14 How are facility designs evolving beyond traditional storage? 4:42 How are small businesses redefining the purpose of storage units? 6:23 What does a hybrid storage model look like in practice? 8:38 How can investors future-proof their portfolios with smarter storage?Leave a positive rating for this podcast with one click CONNECT WITH USWebsite | You Tube | Facebook | X | LinkedIn | Instagram Follow so you never miss a NEW episode! Leave us an honest rating and review on Apple or Spotify. 

November 6, 2025 - Zach and Chase discuss the current state of the market, focusing on index performance and the volatility in the AI sector. They analyze the recent downturn in AI stocks, the implications of financing trends, and the competitive landscape between the US and China in technology. The conversation also touches on the challenges faced in AI development, the importance of manufacturing for national security, and the need for strategic investments in the future.

Send us a textIs self-storage really making a comeback in 2025? You bet—and the signs are everywhere. Scott Meyers breaks down why the sector isn't crashing—it's stabilizing and quietly setting the stage for a strong rebound in 2026. Scott uses fresh data and boots-on-the-ground insights to explore current vacancy trends, slowing supply, and the emergence of tech-forward, sustainability-driven upgrades that are becoming competitive edges. He outlines the three big trends shaping the industry now, and most importantly, shares four decisive, actionable moves that investors should take right now to stay ahead of the curve. From understanding market supply pipelines to building pro storage condos for business tenants, Scott makes the case that the smart money isn't waiting—it's moving.  WHAT TO LISTEN FOR1:47 What do the latest numbers reveal about self-storage market health?3:10 What tech and customer trends are reshaping self-storage today?4:22 How is sustainability becoming a competitive advantage in storage?9:41 What are “pro storage condos” and why do they matter right now?  Leave a positive rating for this podcast with one click CONNECT WITH USWebsite | You Tube | Facebook | X | LinkedIn | Instagram Follow so you never miss a NEW episode! Leave us an honest rating and review on Apple or Spotify.

On this episode Shiv interviews Rita Fiorentino, Co-Founder of Arc Capital Development, to unpack a battle-tested playbook for steering portfolio companies through economic downturns—especially when AI disruption, political volatility, and geopolitical shocks are compressing growth.Rita lays out a disciplined sequence that starts with risk assessment and financial hygiene, then moves to locking down customers, building an all-A-player team, and only then deploying AI for process efficiency and product innovation. She warns against the common trap of slapping “AI” on legacy products or slashing headcount too soon, and shares real-world examples of how companies that follow the right order emerge stronger.She also covers why this downturn is categorically different, how to educate boards and investors, and why skating to where the puck is going—not where it's been—is the ultimate survival edge.

The momentum you're missing might not be a market problem—it might be a leadership problem. We dig into why motivation used to flow from the top down and how, lately, apathy has been trickling up and disarming the very people meant to set the standard. Instead of accepting a slow season as destiny, we show how to stop reacting, start responding, and turn a challenging market into a training ground for better systems, sharper messaging, and deeper consistency.We unpack the difference between a reaction and a response, then translate that into concrete leadership moves: revive your learning rhythm, bring back outside voices, test new offers, and update your communication for today's buyer. You'll hear why half-measures fail, how to fully commit to a new channel or tactic, and where AI-powered writing can remove friction without flattening your voice. If you've felt the pull to do less because your team is quiet, this conversation reframes your role: leaders go first, especially when the energy dips.Across the episode, we share personal pivots that worked this year, from rethinking outreach to leveraging ChatGPT with proven frameworks. We talk candidly about cycles in consumer behavior, the danger of nostalgia, and the simple habits that protect your belief and output—meditation, movement, and measured experiments. The goal isn't to grind harder for its own sake; it's to pair strong energy with right-fit strategy so your effort compounds again.If this resonates, share it with a leader who's ready to raise the standard. Subscribe for more real-world coaching, leave a review to tell us what landed, and tag us with the one change you'll make this week. Your future team is watching who you choose to be right now.If you would like to learn more about working with Josh, and the Legacy Leadership Coaching Certification, visit JoshCoats.com!

How to Retire in PortugalPicture it: retiring fabulously in Portugal with LGBTQ+ protections, world-class healthcare, and the freedom to split time between Europe and the U.S.—without uprooting your life today. In Queer Money® episode 613, we sit down with Pedro Lino, CEO of Optimize Investment Partners, to unpack the Portugal Golden Opportunities Fund—a SEC-registered, PFIC-compliant mutual fund designed to qualify investors for Portugal's Golden Visa (residency now, citizenship later). We cover why a Golden Visa can be smart “life-hedging” in uncertain times, how the fund works (stocks/bonds, no real estate), what's changing in Europe, using self-directed IRAs, costs, timelines, and how one investment can include your spouse, kids, and even parents through family reunification.Whether your dream is six months in Lisbon and six months stateside, a second passport for your kids' future, or a values-aligned Plan B if U.S. politics keeps fraying your nerves, this episode gives you the details to decide with confidence.TakeawaysA Golden Visa is optionality: live/work/travel in the EU now or later—without leaving the U.S. immediately.Portugal is consistently LGBTQ+ friendly, with significantly lower healthcare costs and robust protections.The current path is via eligible investment funds (no real estate); fund must meet strict criteria (≥60% PT companies, no real estate, long-only, five-year availability).Self-directed IRAs can be used; look for SEC-registered and PFIC-compliant structures to keep U.S. tax/reporting clean.One qualifying investment can include spouse, kids, and parents via family reunification, creating a multi-generational Plan B.Chapters00:00 – Dream setup & why a Plan B now01:22 – What a Golden Visa actually gives you (residency → citizenship)03:18 – You don't have to move today: optionality for LGBTQ+ families05:02 – Why Portugal for LGBTQ+ safety, community & healthcare07:10 – Real-estate option removed: what changed and why funds remain10:12 – Inside the Golden Opportunities Fund (eligibility rules, asset mix)13:15 – Returns, risk, and diversification vs. buying a single property16:02 – Using self-directed IRAs; SEC & PFIC compliance explained19:04 – Demand, timelines, and potential policy shifts to watch22:31 – Costs, EUR/USD realities & creative ways families reach €500K26:05 – Family reunification: who can be included under one application28:40 – Downturn strategy: dividend-rich Portuguese market & bonds31:12 – What Optimize handles vs. what U.S. custodians/lawyers handle34:20 – Wrap-up & how to send us follow-up questionsDownload your free Happy Gay Retirement CalculatorMentioned in this episode:Get Your Portugal Golden Visa Faster Here!Want a European passport with access to living in nearly any European country? Just click the link below to find out how. Get Your Portugal Golden Visa Here!Get Your Portugal Golden Visa Here!

Today's Sports Daily covers a winning weekend in college and pro football, upcoming weeks Top 25 Saturday taken a major downturn, Brian Kelly at LSU, and World Series resumes tonight in LA.Music written by Bill Conti & Allee Willis (Casablanca Records/Universal Music Group) Ads:DeleteMe - Protect yourself from identity theft, harrassment, and doxxing.  Keep your private life private https://joindeleteme.com/HIT Promo Code: HIT for 20% off at checkout. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Send us a textThis is a REPLAY of an episode first published in March 2024. Success is not a secret—it's a mindset. In this episode, Scott unpacks the critical mindset shifts and practical strategies that have propelled his self-storage business forward. By emphasizing the importance of hard work over talent, the power of goal setting, and the necessity of surrounding oneself with smart, driven individuals, Scott provides a roadmap for growth. Scott dives into the habits that can transform both personal effectiveness and business operations, ultimately guiding listeners toward achieving their big, hairy, audacious goals (BHAG) and finding fulfillment in their professional endeavors. WHAT TO LISTEN FOR 1:49 Hard Work vs. Talent: The Hustle Mindset3:11 Mental Attitude6:31 Fear of Success: Overcoming Subconscious Barriers9:34 Finding Your Productive Peak Leave a positive rating for this podcast with one click CONNECT WITH USWebsite | You Tube | Facebook | X | LinkedIn | Instagram Follow so you never miss a NEW episode! Leave us an honest rating and review on Apple or Spotify.Click here to get more information and register for the Academy November 6-8, 2025, in St Augustine, FLA.

CMBS delinquencies are at their highest level since the Great Recession — but what does that really mean for multifamily investors? Jamison Manwaring unpacks the data behind rising commercial distress, explaining how interest rate spikes, construction booms, and tighter lending have collided to create today's challenges — and opportunities. We also break down how new legislation is reshaping real estate, from extended Opportunity Zones and renewed bonus depreciation to why 1031 exchanges and UPREIT structures remain intact. Finally, Jamison offers perspective on why long-term fundamentals for multifamily remain strong and why patient investors could benefit most in this cycle.

For many people, contentment feels just out of reach—always tied to the next raise, the next purchase, or the next season of life. Yet Scripture calls us to something deeper and more lasting: a contentment that doesn't depend on circumstances but rests in Christ Himself.Psalm 23 begins with a stunning declaration:“The Lord is my shepherd; I have all that I need.” — Psalm 23:1 (NLT)David's words remind us that contentment doesn't come from acquiring more but from trusting the One who provides. Just as sheep rest securely under the care of their shepherd, we can rest in God's faithful provision.True contentment isn't about suppressing desire—it's about redirecting it. When we find sufficiency in Christ rather than in money, possessions, or achievements, we're freed from the trap of covetousness and anchored in the truth that in Him, we already have all we truly need.The Ancient Lie of DiscontentmentDiscontentment has plagued humanity from the beginning. In Eden, Adam and Eve had everything they needed, yet the serpent's lie convinced them they lacked something essential. Discontentment still whispers, “God is holding out on you—you'd be better off if you had more.”Today, that same voice is amplified through advertising, social media, and cultural comparison. We scroll through highlight reels and feel our lives don't measure up. But Hebrews 13:5 offers the antidote:“Keep your life free from love of money, and be content with what you have, for he has said, ‘I will never leave you nor forsake you.'”The cure for discontentment isn't having more—it's remembering that God is always with us.The Freedom of “Enough”Contentment is not resignation—it's liberation. It frees us from envy, overspending, and the crushing weight of comparison. Instead of striving endlessly for more, we learn to steward wisely what God has entrusted to us.Proverbs 30:8–9 captures this balanced perspective beautifully:“Give me neither poverty nor riches; feed me with the food that is needful for me…”The wise steward seeks enough—not excess. When we live this way, our financial decisions change. We spend with purpose. We give with joy. We save with peace. Contentment reorients money from being our master to being a tool for God's Kingdom.Think of the widow of Zarephath in 1 Kings 17. With only a handful of flour and a little oil left, she faced famine. Yet when Elijah asked her to make him a cake first, she trusted God's word—and He provided, not with overflowing barns, but with daily sufficiency.Or consider the Macedonian believers in 2 Corinthians 8. Paul wrote,“In a severe test of affliction, their abundance of joy and their extreme poverty have overflowed in a wealth of generosity.”Despite having little, they gave with glad hearts because their contentment was in Christ, not in their circumstances.These examples remind us that contentment and generosity often go hand in hand. When we are satisfied in Christ, we're free to bless others.Trusting the God Who ProvidesAt the heart of contentment is trust. Jesus said in Matthew 6:25–26,“Do not be anxious about your life… Look at the birds of the air: they neither sow nor reap nor gather into barns, and yet your heavenly Father feeds them. Are you not of more value than they?”Contentment flows from believing that God knows what we need and delights to provide for His children. As Elisabeth Elliot once wrote, “The secret is Christ in me, not me in a different set of circumstances.”When Christ becomes our treasure, everything else finds its proper place.That's why Paul could say in 1 Timothy 6:6:“Godliness with contentment is great gain.”Contentment isn't a loss—it's true gain. It's the kind of wealth no market downturn can erase and no thief can steal. Choosing contentment doesn't mean settling for less; it means resting in the sufficiency of Christ.When we stop chasing “more” and start trusting God's daily provision, we discover freedom, peace, and joy. That's the essence of faithful stewardship—not just managing money, but aligning our hearts with the One who promises, “I will never leave you nor forsake you.”On Today's Program, Rob Answers Listener Questions:I own several rental properties and would like to leave one to each of my children. I still want to collect the rental income, but I'd like to avoid probate and ensure a smooth transition when I pass away. How can I set up a trust to do that, and what's the best way to move forward?I got divorced in my mid-50s and had to start over from scratch. I'm now 66 with a little over $37,000 in my 401(k), which I'm eligible to roll over into an IRA. I'd really like to invest that money through a biblically based firm, but most of the ones I've contacted require a minimum investment of $50,000. Do you have any suggestions? And how can I build my savings over the next four years? $37,000 won't last long.I'm retired, and my husband will be retiring soon. We don't have a lot saved, but he does have a 401(k) through work. We're unsure what to do with it or how to ensure we'll have enough to live on in retirement. Can you help us think through the next steps?I work with students, and I've offered to invest $4,000, allowing them to choose some stocks to learn how investing works. Since I'll keep the money but let them make the decisions, what's the best way to buy individual stocks for this kind of project?My daughter's credit score is around 625, and she's committed to improving it. My score is over 800, and I've heard that adding her as an authorized user on my credit card could help her. Can you explain how that works and whether it could affect either of our credit scores?I feel completely lost when it comes to finances, but I want to set my family up for success. Can you recommend a reliable resource or starting point for learning the basics of managing money wisely?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Open Hands FinanceFidelity | Charles Schwab | Robinhood | Public | Stash | SoFi InvestYour Money Counts: The Biblical Guide to Earning, Spending, Saving, Investing, Giving, and Getting Out of Debt by Howard DaytonMaster Your Money: A Step-by-Step Plan for Experiencing Financial Contentment by Ron Blue with Michael BlueRedeeming Money: How God Reveals and Reorients Our Hearts by Paul David TrippMoney, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More by Randy AlcornWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Send us a textThis is a REPLAY of an episode first published in October 2023. Luke Wong uses always has his head up for potential opportunities but when it comes to trusting your gut he says that's really the key. He trusts his gut to help him make business decisions and powerful relationships in the self-storage industry. He also shares the importance of having a mentor and getting the right education in commercial real estate.WHAT TO LISTEN FOR2:41 Passive Investments in various asset classes3:43 Choosing Self-Storage for its management efficiency17:15 Partnerships for scaling25:52 Networking and relationship buildingABOUT LUKE WONGAfter graduating from Florida State University, Luke began his foray into real estate as an owner and operator of both commercial and residential properties. His early career also included land development.In 2001, he moved to Houston to work specifically in land acquisitions for residential subdivisions. To date, he owns and manages a total of five facilities, 959 units, and 150K nrsqft, with his eye on expanding all existing facilities and making additional acquisitions in the Texas market.Luke is also a proud member of the Self Storage and Commercial Academy Mastermind. Networking and self-education remain top priorities for him. CONNECT WITH LUKEWebsite | LinkedIn | Instagram | Facebook CONNECT WITH USWebsite | You Tube | Facebook | X | LinkedIn | Instagram Follow so you never miss a NEW episode! Leave us an honest rating and review on Apple or Spotify.Click here to get more information and register for the Academy November 6-8, 2025, in St Augustine, FLA.

Chuck Todd examines the mounting political and institutional strain as the government shutdown drags on — and why Democrats may need to declare a partial victory just to move forward. The episode explores how Trump’s rise has exposed deep vulnerabilities in the American system, from unchecked profiteering and politicized justice to the growing entanglement of big tech, big money, and government power. Todd breaks down the Democrats’ limited leverage, the GOP’s dependence on Trump’s engagement, and the urgent need for new constitutional and institutional guardrails. Plus, he looks at the emerging generational clash in the Democratic Party senate primary in Maine, as Janet Mills and Graham Platner become avatars for an “old vs. new” fight that could reshape the party’s future. Then, Chuck sits down with veteran Democratic strategist and data expert Tom Bonier to unpack one of the biggest political mysteries of the Trump era: why Democrats are losing voter registrations—and how the GOP got so good at winning them. From the fallout of the Bernie-Clinton primary to the brand erosion under Biden, Bonier traces how Democrats’ messaging, outsourcing, and demographic targeting have backfired while Republicans quietly built lasting grassroots infrastructure, particularly among younger and working-class voters. The conversation dives deep into the changing dynamics of party loyalty and political identity—why Gen Z and Latino voters are shifting, how Trump reactivated the “missing white vote,” and why college campuses have become unlikely conservative battlegrounds. Todd and Bonier also explore the Democrats’ shrinking Senate map, the Midwest’s populist tilt, and how data-driven strategies like “mixed mode” polling could determine which party defines the next generation of American politics. Finally, he gives his ToddCast Top 5 list of potential political comebacks where politicians could win their old seat back, then answers listeners’ questions in the “Ask Chuck” segment. Got injured in an accident? You could be one click away from a claim worth millions. Just visit https://www.forthepeople.com/TODDCAST to start your claim now with Morgan & Morgan without leaving your couch. Remember, it's free unless you win! Timeline: (Timestamps may vary based on advertisements) 00:00 Chuck Todd’s introduction 06:15 Democrats need to find a way to declare victory and end shutdown 07:30 Democrats drew attention to healthcare, but will see diminishing returns 08:15 Trump’s rise has exposed tremendous vulnerabilities in our system 09:45 There’s nobody in Trump’s feedback loop that will expose him to bad info 11:00 Democrats need how to learn to embrace small victories 13:30 Democrats only have the power to win the argument 15:15 Republicans won’t move without Trump engaging on shutdown 16:30 Trump takes victory lap on Israel, hard part is making agreement stick 17:30 If profiting off the presidency goes unchecked, we risk more in the future 18:45 Emoluments clause is not enough, need a constitutional amendment 19:30 Big tech, big money and the government have all become intertwined 22:00 Two big reforms that could help fix the democracy 24:00 We need to reform the Justice Department to prevent politicization 25:30 Companies that capitulated to Trump had the law on their side 27:00 The country needs to build new guardrails 28:00 Janet Mills vs Graham Platner will become avatars for “old vs new” 29:45 The older generation of Democratic leaders refuses to retire 31:30 If Mills wins, she’ll be the oldest freshman senator of all time 32:15 Graham Platner already has released attack ad against Mills 33:30 Platner vs. Mills will become a headache and money sink for Democrats 36:30 Tom Bonier joins the Chuck Toddcast 38:15 Where did trend of Democrats shedding voter registrations begin? 39:15 Bernie/Clinton primary was when Dem brand took initial hit 40:30 Downturn in Dem brand came during Biden's four years 42:15 Democrats outsource their registration efforts more than GOP 43:30 Registration efforts targeted friendly demographics 44:30 Registered partisan turnout between 20' and 24' was 1 point 45:30 What can Dems learn from Republicans registration tactics? 46:30 The 2012 GOP autopsy was right, but didn't foresee Trump 47:15 Obama's campaign targeted younger voters & won 48:00 GOP created a consistent presence on college campuses 48:45 For Gen Z, their first interaction with government was Covid 49:30 Gender gap amongst younger voters was 25+ points 50:30 Trump won big with voters who don't consume much news 52:00 Why Gen X became the generation that most supports Trump 53:00 When someone registers for a party, that tends to stick 55:00 Trump brought out the "missing white vote" 56:00 Dems dominating with higher educated, higher propensity voters 57:45 Younger white men are overwhelmingly registering Republican 59:30 Younger voters are generally registering as unaffiliated 1:00:45 Are Dems counting on Trump voters only showing up for Trump? 1:01:30 Climate looks similar to 17' except Dems are more unpopular 1:02:30 What is causing the Democrats "brand problem"? 1:03:15 Voters didn't know about Biden's accomplishments 1:04:30 The importance of branding your agenda 1:05:30 Are there a "hard 7" number of swing states, or could others join? 1:07:00 Texas trending more blue, Florida trending more red 1:07:45 Migration patterns have made Florida tough for Democrats 1:08:30 Democrats have almost no margin for error to win the senate 1:09:15 What 4-6 states should Dems target to expand senate map? 1:11:30 Is the midwest out of reach for Dems for a generation? 1:12:45 Midwest voters are populist more than D or R 1:14:00 How and where can Dems stem losses in blue states? 1:15:45 Voter mobilization is easier to fix than persuasion 1:16:30 Why have Georgia and Arizona become more friendly to Dems? 1:17:45 API voters swung toward Trump in 24' but are swinging back 1:18:30 Latino voters are economically sensitive and more swingySee omnystudio.com/listener for privacy information.

Chuck Todd sits down with veteran Democratic strategist and data expert Tom Bonier to unpack one of the biggest political mysteries of the Trump era: why Democrats are losing voter registrations—and how the GOP got so good at winning them. From the fallout of the Bernie-Clinton primary to the brand erosion under Biden, Bonier traces how Democrats’ messaging, outsourcing, and demographic targeting have backfired while Republicans quietly built lasting grassroots infrastructure, particularly among younger and working-class voters. The conversation dives deep into the changing dynamics of party loyalty and political identity—why Gen Z and Latino voters are shifting, how Trump reactivated the “missing white vote,” and why college campuses have become unlikely conservative battlegrounds. Todd and Bonier also explore the Democrats’ shrinking Senate map, the Midwest’s populist tilt, and how data-driven strategies like “mixed mode” polling could determine which party defines the next generation of American politics. Got injured in an accident? You could be one click away from a claim worth millions. Just visit https://www.forthepeople.com/TODDCAST to start your claim now with Morgan & Morgan without leaving your couch. Remember, it's free unless you win! Timeline: (Timestamps may vary based on advertisements) 00:00 Tom Bonier joins the Chuck Toddcast 01:45 Where did trend of Democrats shedding voter registrations begin? 02:45 Bernie/Clinton primary was when Dem brand took initial hit 04:00 Downturn in Dem brand came during Biden’s four years 05:45 Democrats outsource their registration efforts more than GOP 07:00 Registration efforts targeted friendly demographics 08:00 Registered partisan turnout between 20’ and 24’ was 1 point 09:00 What can Dems learn from Republicans registration tactics? 10:00 The 2012 GOP autopsy was right, but didn’t foresee Trump 10:45 Obama’s campaign targeted younger voters & won 11:30 GOP created a consistent presence on college campuses 12:15 For Gen Z, their first interaction with government was Covid 13:00 Gender gap amongst younger voters was 25+ points 14:00 Trump won big with voters who don’t consume much news 15:30 Why Gen X became the generation that most supports Trump 16:30 When someone registers for a party, that tends to stick 18:30 Trump brought out the “missing white vote” 19:30 Dems dominating with higher educated, higher propensity voters 21:15 Younger white men are overwhelmingly registering Republican 23:00 Younger voters are generally registering as unaffiliated 24:15 Are Dems counting on Trump voters only showing up for Trump? 25:00 Climate looks similar to 17’ except Dems are more unpopular 26:00 What is causing the Democrats “brand problem”? 26:45 Voters didn’t know about Biden’s accomplishments 28:00 The importance of branding your agenda 29:00 Are there a “hard 7” number of swing states, or could others join? 30:30 Texas trending more blue, Florida trending more red 31:15 Migration patterns have made Florida tough for Democrats 32:00 Democrats have almost no margin for error to win the senate 32:45 What 4-6 states should Dems target to expand senate map? 35:00 Is the midwest out of reach for Dems for a generation? 36:15 Midwest voters are populist more than D or R 37:30 How and where can Dems stem losses in blue states? 39:15 Voter mobilization is easier to fix than persuasion 40:00 Why have Georgia and Arizona become more friendly to Dems? 41:15 API voters swung toward Trump in 24’ but are swinging back 42:00 Latino voters are economically sensitive and more swingy 43:30 What’s happening with the “Chamber of Commerce” GOP voter? 45:00 Preferred methodology for public opinion polling? 47:00 What is “mixed mode” polling? 48:30 What are the three polls you always make sure to analyze?See omnystudio.com/listener for privacy information.

Send us a textCan a family of four with full schedules really break into self-storage investing? Adam and Kirby Leiby from Raleigh, North Carolina, just proved it's possible, and they brought the kids along for the ride.  In this first episode of a special new series “First Deal First Dive” episode of the Self Storage Investing Podcast, guest host Joe Downs connects with the Leibys, recent grads of Scott Meyers' academy, to unpack how they went from Instagram ad skeptics to proud owners of Lemon Springs Self Storage in under a year.  From initial doubts and late-night training sessions to a near-missed deal and final success, the couple candidly shares their step-by-step journey, how they divided responsibilities, and what it really takes to get your first storage facility under contract.  If you're wondering whether the dream of passive income through self-storage is actually doable, this is the episode that proves it. WHAT TO LISTEN FOR:49 What was closing your first deal like?5:55 Why did they leave sales and homeschooling for storage?11:50 What shifted Adam's mindset at the academy?17:01 What was the hardest part of training?23:21 How did they land their first facility? What to Watch For2:07 What does it feel like to close your first deal?5:29 Why did the Leibys leave the corporate world?11:45 What changed for Adam at the Academy?19:46 How hard is it to find your first good deal?23:20 How did the Leibys land their first facility? Leave a positive rating for this podcast with one click CONNECT WITH USWebsite | You Tube | Facebook | X | LinkedIn | Instagram Follow so you never miss a NEW episode! Leave us an honest rating and review on Apple or Spotify.Click here to get more information and register for the Academy November 6-8, 2025, in St Augustine, FLA.

'Sharp Downturn in Health': Tragic Reason Behind Diane Keaton's Sudden Death at 79 Laid Bare - as Friends Tell of 'Unexpected' CauseAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

A recession usually means falling inflation and lower bond yields — good news for bond investors. But what if this time is different? Lance Roberts & Michael Lebowitz break down how the next recession could flip the bond trade from bullish to bearish — and why government policy and fiscal stimulus may once again distort the relationship between inflation, yields, and bond prices. 0:19 - US Dollar Impact on Multi-national Companies 3:32 - Expectations for Market Reversal 9:45 - The AI Chase & Circular Money Flow 13:17 - Investments are Based on Hopeful Future Demand 16:28 - The Question of The How & The When 19:12 - The Nvidia - AMD - OpenAI Conundrum 20:07 - Natural Gas is the Only Answer for next 5-years 22:02 - Markets Are Chasing Whatever Goes Up 24:24 - The Lesson for Diversifying 26:15 - Do Bonds Protect Investors in the Next Recession? 32:18 - Preview of Daniel LaCalle Interview 35:38 - Gold is Fueling Dollar Debasement 39:43 - All Asset Classes will Reverse Eventually 43:33 - Is This Time Different? 50:06 - Coming Attractions

A recession usually means falling inflation and lower bond yields — good news for bond investors. But what if this time is different? Lance Roberts & Michael Lebowitz break down how the next recession could flip the bond trade from bullish to bearish — and why government policy and fiscal stimulus may once again distort the relationship between inflation, yields, and bond prices. 0:19 - US Dollar Impact on Multi-national Companies 3:32 - Expectations for Market Reversal 9:45 - The AI Chase & Circular Money Flow 13:17 - Investments are Based on Hopeful Future Demand  16:28 - The Question of The How & The When 19:12 - The Nvidia - AMD - OpenAI Conundrum 20:07 - Natural Gas is the Only Answer for next 5-years 22:02 - Markets Are Chasing Whatever Goes Up 24:24 - The Lesson for Diversifying 26:15 - Do Bonds Protect Investors in the Next Recession? 32:18 - Preview of Daniel LaCalle Interview 35:38 - Gold is Fueling Dollar Debasement 39:43 - All Asset Classes will Reverse Eventually 43:33 - Is This Time Different? 50:06 - Coming Attractions

In this episode, we will look into how 22 U.S. states may already be in a recession and what it could mean for you. Today's Stocks & Topics: Copart, Inc. (CPRT), Market Wrap, The Progressive Corporation (PGR), Recession by ZIP Code: Why 22 States Are Already Feeling the Downturn, Where to Invest?, Trailing Stops, Fair Isaac Corporation (FICO), Emerging Markets, Atlassian Corporation (TEAM), Bank of America Corporation (BAC), JPMorgan Chase & Co. (JPM), Mercado Libre, Inc. (MELI).Our Sponsors:* Check out Anthropic: https://claude.ai/INVEST* Check out Gusto: https://gusto.com/investtalk* Check out TruDiagnostic and use my code INVEST for a great deal: https://www.trudiagnostic.comAdvertising Inquiries: https://redcircle.com/brands

“For God gave us a spirit not of fear but of power and love and self-control.” - 2 Timothy 1:7When it comes to investing, wisdom means keeping emotions in check. Fear, greed, overconfidence, and regret can all derail sound decisions. Dr. Art Rainer joins us today to share four ways emotions ruin smart investing—and how you can avoid those traps.Dr. Art Rainer is the founder of the Institute for Christian Financial Health and Christian Money Solutions. He is a regular contributor here at Faith & Finance and the author of Money in the Light of Eternity: What the Bible Says about Your Financial Purpose.Don't Let Emotions Derail Your InvestmentsWhen it comes to investing, emotions can be your worst enemy. Allowing emotions to guide your investment decisions will most likely lead you to buy high and sell low. That's the opposite of building a solid retirement fund.So how can investors avoid the emotional traps that derail wise investing? Here are four common ways emotions can ruin sound investment strategies.1. Focusing on the Present Instead of the FutureThe stock market fluctuates daily, sometimes even hourly. Many investors get caught in the drama of short-term swings. But we must remind ourselves that we're not investing for today, we're investing for the future.Keeping your eyes fixed on long-term goals helps put temporary volatility in perspective. The market may dip, but over time, patience and consistency are what build wealth.2. Letting Fear Take ControlFear often shows up during a market downturn. In 2008, as markets plummeted, many investors panicked and withdrew their money. Later, most admitted that the decision was a mistake.In fact, steady contributions during down markets actually allow for the purchase of more shares at lower prices—a benefit to long-term investors. This is a process called “dollar-cost averaging”.  Dollar-cost averaging is an investing strategy where you contribute a fixed amount of money at regular intervals, regardless of market conditions. Over time, this helps reduce the impact of market volatility by buying more shares when prices are low and fewer when prices are high.Fear may feel protective, but it usually leads to missed opportunities.3. Becoming Overconfident in a Rising MarketJust as fear hurts during downturns, overconfidence can be just as dangerous when markets rise. We saw this during the dot-com bubble in 2000 and again in 2020.As stock prices climb, inexperienced investors often rush in, assuming the market is “easy money.” They may chase riskier investments without understanding the dangers, setting themselves up for painful losses when the bubble bursts.4. Dwelling on RegretRegret over past decisions is natural, but it can tempt us to overcorrect. For example, selling too soon because of a bad memory from the last downturn—or holding too long trying to “make up” for past mistakes.Instead of being trapped by regret, let past experiences guide wiser choices without driving reactionary ones.The Bible tells us that saving is wise, but it also cautions against letting fear or greed rule our hearts. Wise investing requires patience, discipline, and trust in God's provision—not reactionary emotions.Get Help From a Certified Christian Financial CounselorFor those struggling with debt, budgeting, or saving for the future, Dr. Rainer recommends connecting with a Certified Christian Financial Counselor (CertCFC). These professionals are trained to help individuals and couples align their finances with biblical principles.You can search for a counselor in your area at ChristianFinancialHealth.com.On Today's Program, Rob Answers Listener Questions:I'm trying to help someone who has three credit card debts that have gone to collections. What type of documentation should we request to confirm that the debt collector is legally entitled to collect the debt, especially since different agencies continue to contact us?I'm retired and have recently purchased a property with mold in the crawl space, which is impacting my health. Given my financial situation, would it be wise to borrow money to resolve the mold problem?My husband is about to turn 73, and we've placed all of our IRA funds into an annuity. How do we calculate the required minimum distribution once he reaches 73, and does that amount change each year? We'd like to withdraw only the minimum necessary.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)The Institute for Christian Financial HealthChristian Money SolutionsWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Send us a textWhat happens when a Navy vet and a sales pro ditch Wall Street and go all in on self-storage?

Send us a textIs your self-storage pricing strategy bleeding cash while you're sitting at 90% occupancy?  Scott explains one of the most urgent and transformative trends in the self-storage industry today… dynamic pricing and AI-powered revenue optimization.  As markets soften, promotions spike, and new supply floods the industry, savvy operators are turning to real-time data-driven pricing models to protect margins and outsmart the competition.  Scott breaks down exactly how dynamic pricing works, what tools you need, and how to implement this system step-by-step, even if you're starting small.  WHAT TO LISTEN FOR2:44 What is dynamic pricing in self storage?5:27 How can AI increase storage revenue at 90% occupancy?7:03 What are the risks of using dynamic pricing?8:44 How do I start using dynamic pricing in self storage?10:23 How is AI used to predict self storage demand?Leave a positive rating for this podcast with one clickCONNECT WITH USWebsite | You Tube | Facebook | X | LinkedIn | InstagramFollow so you never miss a NEW episode! Leave us an honest rating and review on Apple or Spotify.

Send us a textWhen real operations experience meets brokerage, better deals get done.Scott Meyers welcomes back Alex Erbs for a dynamic conversation about his transition from running a multi-state self-storage management company to becoming a full-time broker with EqiCap Commercial.  They dig deep into what makes for a successful third-party management relationship, why many operators misunderstand what management companies actually do, and how Alex's hands-on experience gives him a competitive edge in helping owners value and sell their properties.  From lighthearted stories to serious strategy, this episode dives into what really drives value in today's self-storage market.WHAT TO LISTEN FOR:13 The Big Shift: Operator to Broker4:16 Breaking Away from the Family Biz9:26 The Dawn of Third-Party Management25:25 Why Your Storage Facility Isn't Filling Up29:05 The Four Must-Fix CapEx Items Leave a positive rating for this podcast with one click GUEST: Alex Erbs, Director | EquiCap CommercialWebsite | Email | LinkedIn CONNECT WITH USWebsite | You Tube | Facebook | X | LinkedIn | Instagram Follow so you never miss a NEW episode! Leave us an honest rating and review on Apple or Spotify.

When markets soar, investors face a subtle but dangerous temptation: trading wisdom for excitement.With headlines touting record highs and optimism running wild, it's easy to get swept up in the momentum. But is now the time to double down—or to take a step back and exercise caution? Today, Mark Biller joins us to unpack the dangers of investing with emotion instead of wisdom.Mark Biller is Executive Editor and Senior Portfolio Manager at Sound Mind Investing, an underwriter of Faith & Finance. Bull Market Optimism: Proceed with CautionThe stock market has staged a remarkable comeback since spring, and many investors are feeling hopeful about the year ahead. But while optimism is natural, there's a fine line between healthy confidence and dangerous overconfidence.Just a few months ago, fear dominated the market. Now, investor sentiment has swung in the opposite direction—toward excessive optimism. History shows us that both extremes can lead to poor decision-making. Just as fear prompts panic-selling in downturns, overconfidence during bull markets can drive people to take unnecessary risks.The late 1990s provide a clear example. The dot-com bubble fueled euphoric investing in internet companies, but when the bubble burst, enormous wealth evaporated. While the internet did transform the world, many early investors paid a steep price for ignoring caution.The Risk of Projecting the PresentOptimism in the long term is typically rewarded—stocks have trended upward for more than a century despite wars, recessions, and downturns. But short-term overconfidence is dangerous. Since October 2023, the stock market has gained about 60%—roughly six years of typical returns compressed into less than two. It's unrealistic to assume such momentum will continue indefinitely.In environments like this, investors often fall into two traps:Doubling down on every dip. Rather than seeing pullbacks as a chance to pause, many rush to “buy the dip” without considering long-term goals. Abandoning diversification. When some holdings lag behind, it's tempting to dump them in favor of high-flyers like gold or crypto. This shortsightedness often backfires.Diversification: A Biblical PrincipleKing Solomon offered timeless wisdom in Ecclesiastes 11:2: “Give a portion to seven, or even to eight, for you know not what disaster may happen on earth.” Diversification is, at its core, an act of humility. Since no one knows the future, spreading investments across asset classes is the most reliable defense against both downturns and emotional decision-making.While diversification may feel “boring” during bull markets, it provides stability that helps investors stay committed to their plan when volatility inevitably returns.A strong investment strategy accounts for risk tolerance, life stage, and long-term goals. For a younger investor, this might mean a higher allocation to stocks, consistent 401(k) contributions, and the discipline to stay invested through ups and downs. For others, it may involve gradual adjustments, such as including gold or bonds. The key is making changes based on thoughtful, long-term reasoning—not fear of missing out.Confidence vs. OverconfidenceHealthy confidence comes from setting reasonable goals, understanding fundamentals, and staying the course. Overconfidence, on the other hand, assumes you can predict what's coming next—a trap no investor avoids for long.Optimism has its place, but unchecked euphoria can cloud judgment. By remembering history, practicing diversification, and committing to a steady long-term plan, investors can avoid the pitfalls of emotional decision-making and pursue lasting financial fruitfulness.If you'd like to learn more about becoming a Sound Mind Investing (SMI) member, you can visit them at SoundMindInvesting.org. On Today's Program, Rob Answers Listener Questions:I'm 72, still running my business, and I have both an IRA and a Roth that I've never touched. What's the most tax-efficient way to start taking money out while minimizing what goes to the government?I need to withdraw from two retirement accounts with about $9,000 each. They're planning to withhold 20% plus fees—around $2,200 per account. Is that normal, and what are my options since I need the cash quickly?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Sound Mind Investing (SMI)Bull Market? Great! But Don't Get Carried Away by Joseph Slife (Sound Mind Investing Article)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This year was supposed to be different; this squad was supposed to be a different squad, but the last few games has those fears of another drop off in the second half of the Red Sox season look to be more realistic ahead of a HUGE series in The Bronx.