Podcasts about efficient

This is a recap of the top 10 posts on Hacker News on December 31, 2025. This podcast was generated by wondercraft.ai (00:30): Stardew Valley developer made a $125k donation to the FOSS C# framework MonoGameOriginal post: https://news.ycombinator.com/item?id=46445068&utm_source=wondercraft_ai(01:50): Warren Buffett steps down as Berkshire Hathaway CEO after six decadesOriginal post: https://news.ycombinator.com/item?id=46448705&utm_source=wondercraft_ai(03:10): I canceled my book dealOriginal post: https://news.ycombinator.com/item?id=46446815&utm_source=wondercraft_ai(04:31): Show HN: Use Claude Code to Query 600 GB Indexes over Hacker News, ArXiv, etc.Original post: https://news.ycombinator.com/item?id=46442245&utm_source=wondercraft_ai(05:51): 2025: The Year in LLMsOriginal post: https://news.ycombinator.com/item?id=46449643&utm_source=wondercraft_ai(07:12): Tell HN: Happy New YearOriginal post: https://news.ycombinator.com/item?id=46443744&utm_source=wondercraft_ai(08:32): Akin's Laws of Spacecraft Design (2011) [pdf]Original post: https://news.ycombinator.com/item?id=46442903&utm_source=wondercraft_ai(09:52): Efficient method to capture carbon dioxide from the atmosphereOriginal post: https://news.ycombinator.com/item?id=46444076&utm_source=wondercraft_ai(11:13): The rise of industrial softwareOriginal post: https://news.ycombinator.com/item?id=46442597&utm_source=wondercraft_ai(12:33): Meta created 'playbook' to fend off pressure to crack down on scammersOriginal post: https://news.ycombinator.com/item?id=46446838&utm_source=wondercraft_aiThis is a third-party project, independent from HN and YC. Text and audio generated using AI, by wondercraft.ai. Create your own studio quality podcast with text as the only input in seconds at app.wondercraft.ai. Issues or feedback? We'd love to hear from you: team@wondercraft.ai

Looking at a weird GDP data point. Calling BS on Russia/Ukraine peace talks. Gold and Silver – WOW! Closing out the year – a good one too! PLUS we are now on Spotify and Amazon Music/Podcasts! Click HERE for Show Notes and Links DHUnplugged is now streaming live - with listener chat. Click on link on the right sidebar. Love the Show? Then how about a Donation? Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter Warm-Up - CTP Cup - All systems go! 9 participants! - Lots to be excited about and anxious too - Looking at a weird GDP data point - Calling BS on Russia/Ukraine peace talks Markets - Gold and Silver - WOW! - Closing out the year - a good one too! - Buyers are still hot to buy any dip - "Diet" pills coming Bitters Making Progress  - Chocolate -Dark Cherry -Infusions - https://highdesertbotanicals.com NYE Celebration - Cities across America ring in the new year by dropping unexpected objects: - Amelia Island, FL drops a giant shrimp. - Nashville drops a 400lb musical note with 28,140 LEDs. - Boise, ID, drops a glowing potato. - Key West, FL, drops an eight-foot ruby-red heel—complete with a drag queen inside! - In Spain, revelers gulp down 12 grapes—one for each midnight chime—to bring luck for each month - Denmark - Danes toss old dishes at friends' doors—large piles of broken crockery at dawn are seen as tokens of good luck. What a year! - So many themes in 12 months - AI, Tariffs, War and Trade War, Fat drugs, Deglobalization - Data centers, semiconductors, and supporting infrastructure like power and cooling systems. - Approx: DJIA +13.5%, SP500 +17%, NASDA +21%, BTCUSD -7.6%, Gold +64%, SLV +145%, $DXY -9.5%, EEM +30% - 2026 - Opportunities and Auld Lang Xiety (Tech still looks frothy in certain names) Top New Year's Resolutions - Exercise More - Eat Healthier - Save More Money/Get Out of Debt - Be Happy/Improve Mental Health - Lose Weight - Spend More Time with Family & Friends - Learn a New Skill/Hobby - Get Organized Active Management (Funds) - Same report annually - A small group of tech super stocks accounted for an outsize share of returns in 2025, extending a pattern in place for the better part of a decade. - Around $1 trillion was pulled from active equity mutual funds over the year, marking an 11th year of net outflows, while passive equity exchange-traded funds got more than $600 billion. - The concentration of gains in a few stocks made it harder for active managers to do well, with 73% of equity mutual funds trailing their benchmarks this year, the fourth most in data going back to 2007. - BUT, there are some areas that it makes sense for active management ---- Equity vs Fixed income and reasoning --- Efficient markets, boots on the ground Fat Pill - The FDA has approved the first-ever GLP-1 pill from Wegovy maker Novo Nordisk. - Novo Nordisk said the starting dose of 1.5 milligrams will be available in early January in pharmacies and via select telehealth providers with savings offers for $149 per month. - The approval gives Novo Nordisk a head start over chief rival Eli Lilly, which is racing to launch its own obesity pill. - Packaged food makers and fast-food restaurants may be forced to overhaul more of their products next year as newly approved, appetite-suppressing GLP-1 pills become available in January PowerBall - A ticket sold in Arkansas scored a $1.8 billion Powerball jackpot after Wednesday night's draw — one of the richest lottery prizes in U.S. history, landing just in time for Christmas. - The payout soared after last Monday's drawing produced no winners, with last-minute ticket sales pushing the jackpot to $1.817 billion. That makes it the second-largest U.S. lottery prize ever and the biggest Powerball of 2025, the lottery website said on Thursday. - The winning numbers — 4, 25, 31, 52, 59 and the Powerball 19 - Odds: one in 292.2 million. Silver - Amazing year! - Sunday night futures - >$83 then turned hard lower| - Down 7% on Monday - Range $83 - $71 (15%) for the day - Some rumors about a bank collapse due to wrong way position on Silver - forced liquidation and covering.... ----- Hard to believe that a bank was short that much silver - but..... SoKo Breach - South Korean online retail giant Coupang said it will offer 1.69 trillion South Korean won ($1.17 billion) in compensation to 34 million users affected by a massive data breach disclosed last month. - That is about 4% of Coupang's annual revenue - but a big chunk of their profit - $34 per user NVDA Deal - Nvidia has yet to issue a public announcement or disclosure regarding its $20 billion Groq deal that CNBC was first to cover on Wednesday. - Groq described the deal as a “non-exclusive licensing agreement,” a tool that's been used by tech giants of late in part to avoid regulatory scrutiny. - Analyst: “Antitrust would seem to be the primary risk here, though structuring the deal as a non-exclusive license may keep the fiction of competition alive,” Bernstein's Stacy Rasgon wrote in a report. - Groq will remain an independent company (?) GDP Consumption - Something is a bit off.... - With the marketplace costs increasing, this may be more than a one-off expenditure Q3 GDP Surge Russia/Ukraine - Less that an hour after the White House claimed great movement toward peace - Russian President Putin told President Trump that Russia will revise its negotiating position, raising questions over prospects for peace deal - Russian Foreign Minister Sergei Lavrov says Ukraine tried to attack Russian President Putin's residence - Does anyone even listen to the crap coming out of the White House anymore? - Did you hear Lutnick trying to explain the 600% reduction in costs for pharmaceuticals? Math wizards! - - For 2026, my wish is that they continue to work on the job at hand and just shut up Just for fun - Who is biggest drinker of spirits? - While there's no single official "heaviest drinker," legendary wrestler Andre the Giant is widely cited as having unmatched capacity, famously downing 119 beers in one sitting (or even up to 156 in other accounts) Oil - Crude oil futures down about 9.5% YTD - Much of the drop due to pick up in production (supply/demand) - Still a floor with as Russia, Nigeria, Venezuela etc - What will it take to move up? Best Auto Stock for 2025? - GM! Better than ford, Tesla and others (up 55%) - best year from coming out of bankruptcy in 2009 - Ford up 35% - Mary Barra, CEO selling into the strength - $73 M sold this year (Position down 73% from what she held last year) - - - Barra has contended for years that stock undervalued. With all of these say what does that say now? --- Would she ever say shares are overvalued? More fun stats - A peer?reviewed 2025 study estimates AI data centers (including indirect usage from electricity generation) consumed 312–765 billion liters of water annually. That's more than all bottled water consumed worldwide each year - Direct (on-site) water is used for cooling servers via systems like cooling towers or liquid loops. Indirect (off-site) water stems from electricity generation—particularly from thermal and nuclear plants, which require significant cooling resources - ??? Estimates suggest a single standard AI prompt (about 100 words) is linked to around 1.5 liters of water—accounting for the entire chain of consumption. (This is total usage from cooling powr consumption, electricity generation) - Global AI workloads consumed 50–60 terawatt-hours (TWh) in 2025—roughly the annual electricity use of a medium-sized country like Switzerland. - By 2030, AI-related electricity demand could reach 300–500 TWh annually, according to energy analysts—comparable to the entire electricity consumption of countries like France. Over to Iran - President Trump tells reporters that if Iran is building up its nuclear program, the U.S. will have to "knock them down" again --- Wait - I thought we destroyed all of their nuke aspirations??? - - - AND - Iran's currency hit a record low, triggering wave of protests, according to Bloomberg Fed News - Top Fed Chair Candidate Odds Narrow Again, With Hassett at 43% and Warsh at 35% - President Trump still angry at Powell 0threating to sue for incompetence Odd - Tesla Inc. published a series of sales estimates indicating the outlook for its vehicle deliveries may be lower than many investors were expecting. - The carmaker posted estimates showing analysts on average expect the company to deliver 422,850 cars in the fourth quarter, down 15% from a year earlier. - Tesla is on course for its second consecutive drop in annual vehicle sales, with the company compiling an average estimate for 1.6 million deliveries, down more than 8% from a year earlier. - These are estimates published by analysts - Tesla put on its own site - WHY? End of Year Stat - The U.S. national debt is climbing at a rapid pace and has shown no signs of slowing down despite the growing criticism of massive levels of government spending. - The national debt, which measures what the U.S. owes its creditors, rose to $38,386,384,190,622.68 as of Dec. 30, according to the latest numbers published by the Treasury Department. - That is an increase of about $5.8 billion daily - ~$18 per person in the US per day increase ($7,300) - or about the monthly price of leasing a small Mercedes - Each person in US owes approx $128,000 Love the Show? Then how about a Donation? THE CLOSEST TO THE PIN 2025 Winners will be getting great stuff like the new "OFFICIAL" DHUnplugged Shirt! CTP CUP 2025 Participants: Jim Beaver Mike Kazmierczak Joe Metzger Ken Degel David Martin Dean Wormell Neil Larion Mary Lou Schwarzer Eric Harvey (2024 Winner) FED AND CRYPTO LIMERICKS See this week's stock picks HERE Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter

Quaranteam - Dave In Dallas: Part 10 Dave & Olivia use skills meant for a last resort.Based on a post by RonanJWilkerson, in 12 parts. Listen to the Podcast at Explicit Novels. Let's review the list of characters: David Belsus – 46, physics & astronomy professor at Eastfield college, a community college in the Dallas area. Prepper, survivalist, has a greenhouse in his backyard and lives in an outer ring suburb. Six foot, fit, short cropped hair. Lupie Ramos – 32, former financial advisor, Dave's neighbor, got caught out of state when the lockdowns started. She spent two frantic weeks trying to get back to her daughter. Lupie has been in love with Dave for over a year. Long, dark brown hair, medium build, and a lovely smile. Esme – 9, daughter of Lupie, prone to the occasional snarky comment. Adores Dave. Becca; 18, Lupie's babysitter, was watching Esme when lockdowns occurred. Her refusal to abandon Esme, as her mother insisted, likely saved Becca's life, since her extended family ignored precautions and died of Duo. Esme, Lupie, and Dave are all Becca has left in the world. Short, medium build, small tits, with short blond hair and a smile that is shy with strangers and beams with family and friends. Janice Wheeler; 33, Dave's first partner to arrive, a librarian at Cedar Valley, another community college member of DCCCD. Slender build and medium height, Janice is 3/4 Korean, her paternal grandfather is Anglo. Medium length black hair often pulled back in a bun for work or ponytail at home. Shawna Cooper; 36, senior meteorologist at WFAA, Master's degree in meteorology from O U, worked at NSSL and spent time as a storm chaser. Whole hog sci-fi nut, beginning with Start Trek TNG. 5' 10", large tits, medium brown skin, dark brown eyes, shoulder length black hair styled like a frizzy weeping willow. Olivia Tyler (Liv); 21, senior studying horticulture at Tarleton State University, near Dallas. Daughter of Carter and Janelle, Dave's best friends since college. Had a well-known crush on Dave throughout her teen years. Since her dad was former SF and a survivalist, Liv is skilled with several firearms as well as bladed weapons. Never failed to take a deer any season she's hunted. 5'10" long, dark brown hair, large tits, lightly tanned, brown eyes, and a wide smile. Melanie Ustanich; 22, graduate student in IT at Tarleton, Liv's roommate, recently found a passion for cooking. Spent most of her life in foster homes, Liv's parents accepted her like family the first time she went with Liv on Thanksgiving Break. 5'8" medium length auburn hair, green eyes, small mouth with a ready, mischievous smile. The ladies came through, leaving one mug beside the detective and swiftly exiting with the pot, several mugs, a milk jug, and a small container that may have just been repurposed as a sugar dish. Verratti pushed her mask up to her nose to take a sip, holding the mug like a sacred talisman, her eyes closed and a look of bliss dawning on her face. It was a short day. She opened her eyes and the distance they contained sent the brief appearance of joy below the horizon once again. Laying her mug back on the table, she pulled her mask back into place. "The man that was with you that day at the range?" "Yes, my friend Carter. He was the one that arranged the time on the range." "And how did he manage that? Didn't you say a few times he was a security guy?" "He runs physical and digital security checks for sites his company guards. He and his guys also get hired out by insurance companies to check out their client's security plans as well." For a moment, Dave allowed himself to forget the pain and use the present tense. "I think you mentioned a few times before class that he was in special forces?" "Yep. He likes to say his civilian job is kinda similar to his work in the army, just with paintball or laser tag gear." "Good." She motioned him to sit close, so she could speak lower. "You've stumbled into something no one seems to be working hard to solve." Dave's eyebrows stitched together. Her tone was more ominous than her words. "Nine weeks ago, a truck carrying seven vaccinated women was attacked. It was on its way to some rich neighborhood to deliver partners to the McMansion set. The attackers covered their tracks reasonably well, so we never caught them. Two weeks ago, a shipment of vaccine got hit between Grand Prairie and the Vax Center. They didn't even try to take the whole shipment, just grabbed a bunch and ran like hell. The chopper that was following them didn't have infrared on it, so they lost track of them in the trees in the dark." Dave stayed silent as she paused to gather her thoughts. "Look, I shouldn't have said any of this, but nobody's doing anything. Your friend has the skills to deal with the problem. And the way you've always presented yourself, if he's your friend, then he'll want to apply his skills to right a great big fucking wrong that's being ignored. There's an Air Force liaison office in the station right now. They're supposed to coordinate a military response to big attacks, but they've been blasé about both attacks." "Wait? Military to take out crooks? I mean, even big deal shit like this? Shouldn't that be done by SWAT or ATF?" She stared at him. If he had to guess, her lips were tightly pressed together under her mask. Her words were tightly spoken as she continued. "The fact your attackers cut their fallen buddies' nuts off suggests they had bonded female partners. That means either the hijacked transport, or the vaccine attack. Maybe both. And that means they may have been coming here to abduct your partners and bind them to themselves." "But that would kill them!" Dave started out as a loud interjection, but at her look, and as his own self-control kicked in, he dropped to a strenuous whisper. "There; is a way. But only if the man is dead. There was an ER nurse on the first transport. She would have known about the procedure, at least in broad terms." She pulled a map from her valise. Unfolding it, she pointed to two locations. The attacks happened here, and here." "Yeah, that stretch of I-20 is a bit empty, even being in the middle of urban sprawl." "Because of that attack, they moved the flights to Love Field." "No rural hideouts along the way." "Exactly. Now look, here's where the chopper last was sure they had an eye on them." Her finger indicated a spot southeast of Athens. "What I'm asking you is to get a hold of your friend. See if he and some of his team are willing to investigate; and maybe rescue some of these women. No one else is doing anything about this. And they are escalating." "Do you think they'll try again here?" "I don't know. Not anytime soon, you gave them plenty of reasons to give this place a wide berth. I can't swear to that, but I'd say they'll at least leave you alone for a while." Which means they may be coming for my family again. Whenever they feel like trying again. No point in telling her about Carter. I'll have to do this myself, but I'm not telling her that. A trained, former special forces operative that still does security testing is a reasonable person to ask to do this. A community college professor that's been trained by his prepper buddy doesn't sound nearly as reassuring. Fuck Carter, why the hell did you have to die? "How sure are you on that last sighting?" She flipped her notebook back several pages. After consulting her notes, she carefully laid her finger again on the map. "Right there." Dave stared at the indicated location, noting nearby major road intersections and the distances from each to the tip of her finger. Mainly, he looked at the roads that formed a boundary around the area. The raiders may not be inside that space, but it was a place to begin. "Be very careful. There's suspicion that some army deserters are with these guys." She took a deep breath. "It's like pulling teeth getting anything out of the Air Force woman about this. Please professor, talk to your friend. I'll contact you in a day or so to see if he's responded." "Why don't I just call you?" "I'd rather have that discussion when I'm not at the station or around other officers." "Okay. You need anything else from me detective?" "No. No, I should be going. I'll call in a few days." "I'll be ready." Hope I've found them by then . Dave walked her to the door and locked up behind her. He slipped over to the parlor to check the window patch for any air leaks. Dave ran his hand around the edges, slowly, but felt no movement, not cold streams. Some of the family had come downstairs, now that the weather was once again outside. Dave sat in a chair, staring off into space while the others red or talked. This may take more than a day, just to find these guys. And once I do, I'll need time to observe, and then time to plan. Food, water, ammunition. I'll need something long-range. My best bet will probably be picking them off one at a time at first. I've got silencers for the MP5's, but no subsonic ammo. It's still going to be obvious when I shoot. Carter has all the subsonic ammo. Imagine the look on the face of whoever finds his armory. Fuck, what if they just bulldoze the place? Yeah, Liv and I need to try and get his weapons and equipment. Wait, I have subsonic.22LR. I could use that for the first few. Fuck, I'm really doing this. That means I'll be gone for a few days. It's already been two days for Rebecca, and she's on such a short fuse. We really ought to ask the vaccine experts why that is. Gee, what a call to make. "Hey, vaccine guys? Yeah, look, I've got this eighteen year old cutie that just insists on having sex every four days. Like, she's climbing the walls by day five. What's up with that?" I'm sure they'll have all kinds of sympathy. Well, I have my first thing I've got to do before I go. Dave found Becca in the room she and Reena shared. The one they'd previously used as a 'hotel room' the night the ladies put together for prom. Reena was not around. "Hey, sexy nerd girl, what're you up to?" Becca rolled on to her back from her book reading. Her face was glowing, though she was also blushing from her scalp to, well, lower than her shirt collar. She very cutely bit her lower lip. Dave chuckled. "You are so damn cute, ya know that?" Her face twisted a little. "Demotion huh? I've gone from sexy to cute in less than a minute." "One does not preclude the other. There is an intersection of the two. In my opinion, you exist within that intersection." "God, you know how weirdly sexy it is that you can talk math about sex?" "You know how great it is that you're one of two partners I can talk to that way? Most of the others either won't get it, or will be turned off by it." The radiant look Becca got from the compliment was exactly what Dave was going for. She wasn't just a teen hottie, or gamer girl, or some other check box. She was his younger nerd partner that he got to introduce to so many things he loved that were new to her. Or, things she'd heard about, but not yet experienced. And she was fun in bed. Becca's hand slipped to the hem of her t-shirt. Dave stepped swiftly up to her bed and grabbed her hands. He pulled her around so her ass hung off the edge of the bed and her head was braced against the wall. She and Dave were still experimenting with different ways to have sex. She'd recently mentioned that quickies sounded kinda hot. Dave figured now would be a good time to try. He grabbed her shorts and panties at the hips and pulled both down to her calves, bringing her legs straight up in the same motion. Dave leaned against her, her ankles on one of his shoulders, as he unbuttoned his pants and shoved pants and boxers to mid-thigh. The aroma of Becca's arousal reached Dave's nostrils, matching the signal that her panting breath and lust-filled eyes were sending. Truth to be told, he was fairly revved as well. The little gasp she gave as he hand-fed his mostly hard cock into her saturated pussy was delicious. Dave leaned in closer, folding her legs back onto her body, her ankles on either side of his head, her shorts against his collarbone. He drilled her fast and hard. This wasn't love making, wasn't a tantric exercise, and was not 'the full Dave'. A quickie was just that; hard, fast, and get 'er done. Becca's cute little huffs and grunts urged him to keep going, her moist, rippling channel gripping his shaft and egging him on. In due time, Dave felt that familiar tingle in his balls rising up through his cock and he began firing his hot seed into her eager passage. Becca shuddered and convulsed the same as if Dave had taken most of an hour lifting her to ecstatic heights. Dave leaned a bit further in to kiss Becca tenderly on the lips. Becca giggled. "That was fun." "Good, we can add that to the repertoire," Dave said, buckling his pants. He leaned in for another kiss, this one with just a moment of lingering, before walking away. Becca's eyes shone brightly as they followed him. Now I wait. Dave spent the rest of the evening sitting with his ladies, sometimes talking, mostly listening. Lupie called everyone to the dinner table. A nice warm casserole that soothed the insides after most of the day with the inside matching the weather outside. Downstairs anyway. Mostly what Dave remembered from the evening was looking around the table at his family as they chatted and moved on from the events of the morning. Mostly. Every once in a while, someone's attention wavered, or they flinched from a sound. That's why I have to do this. Dinner was late enough that some began their night time routine once it was over. It had been a draining day, even for those that had huddled upstairs. The emotional impact, the fear and anxiety they'd gone through took a physical toll. "Hey, Shawna, let's meet in my office in a few minutes, okay? I'll find Liv and Mel and have them join us." "Sure. Night security?" "Yeah. The detective was reasonably sure there wouldn't be a repeat tonight, but let's be safe." "Okay." Shawna hugged him tightly. Dave went off to find the other two, then made his way to his office. Even though they'd just finished dinner, he felt a bit munchie. He pulled a half-eaten pint of blueberries out of his fridge and snacked slowly. Each woman smirked as they entered. Shawna started imitating the guitar intro of a certain song by Black Sabbath. Dave just shook his head with a rueful smile. Then he popped a few more berries in his mouth. "We need to maintain a watch tonight," he informed them once he'd cleared his mouth. "The threat is perceived to be low, but I'd rather not take a chance. I'll take first watch, then wake Shawna to relieve me. She can wake Liv, and when Liv's shift is over, she can wake Mel." The way Olivia stared at Dave made him wonder if she suspected his real plan, but she said nothing. "We'll post guard here in Shawna's morning room with the door open. It's right at the top of the stairs, so anyone would have to come past the guard to get to any of us. I'll drag the chair from that room to the door, far back enough that anyone looking in will see darkness, but near enough the guard can see the head of the stairs and part of the hallway in each direction." "That's it. Get some sleep. When it's time to switch over, get up and get moving. We'll have one pistol out and transfer that over. Don't go to bed until your relief is in place." Shawna came in for a kiss before she left. A long, slow kiss with no tongue. She looked meaningfully into his eyes before she walked out, saying nothing. Dave waited over an hour for all the activity in his house to settle and everyone to fall asleep. He slowly and quietly rose from his seat. He slipped in to the master bedroom to find Shawna on the outer edge of the bed. Of course she'd thought ahead so she wouldn't disturb the others. Dave lightly tapped her foot, and she stirred awake. Dave went back to his post while she dressed. Once she got there, he handed over the pistol. "You're going after them aren't you?" she whispered low and urgent. "Yes. It's the only way to ensure everyone's safety. These guys are a danger to us, and others. The detective was so frustrated with the inaction, she told me other events that have happened, but no response from the police." "Other houses have been attacked?" "No, the other attacks haven't been on houses, but they look related." "How far away are they?" "I don't know for sure. She gave me some information on the last place they were seen." "Then how long will you be gone?!" She kept her voice low to not disturb anyone, but there was a 'shouting' tone to her whisper. "I don't know. I'm taking food and water in addition to the rest of the gear." "David, please be careful. All our lives depend on you." He wrapped his arms around her for a tight hug. "I know. I'm doing this for your safety. No more middle of the night break ins." He paused for a moment. "Carter took me through a few scenarios that apply. We had to use paintball guns for those trainings, but I've spent plenty of time on the range with all of these weapons. I won't be as good as Carter, but I'm good enough to pull this off. I'm coming back to you babe." He pulled back so they could look each other in the eyes. "You are plenty of reason to come back." "Me and eight others," she said with a teasing grin. "Anyone of you alone is enough to go fight this fight and get my ass back here in one piece. I finally understand Carter now. Somethings you have to fight for." He slipped away from her and went to the master bedroom closet. In a box tucked away in a corner, he pulled out a set of lightly used 90's era BDU that Carter'd urged him to get from an Army-Navy store. It was not the only set, but he wasn't going to be gone that long. Hell, his partners would all be screaming for doses by then. After dressing, and donning his combat boots, he walked silently out of the bedroom. That he had to pause and prep his mind for. Carter had shown him how to walk quietly in these boots, it just took practice and care. It had been a long time, so he ran through the lessons and practices in his head for a minute after he had them on. He trod gently down the stairs to the gun closet. He typed in the code and swung open the door. That's when the darkness at the end of the unlit hall moved. "Go to bed Olivia." His voice was flat. "You are not going after these guys alone." Dave flipped on the light in the small space. The illumination spilling into the hallway revealed Olivia in a matching pair of BDU. "How the hell?" "I mailed myself a box to this address before I reported to the vaccine center. Mostly other stuff, but one set of woodlands and my best broken-in boots." "Livy, you need to stay here and watch the others." "I need to watch over your ass and bring you home so you can keep fucking all these women that are addicted to your cum." Dave felt a wave of shame at the comment. That he was risking himself, some, but their safety required he take out this threat. That he was; unfaithful to any of these women, because none of them were the only one. Yes, he could personally enumerate all the reasons why, but that didn't change the visceral reaction of a man that never wanted a lot of women, just one that he could be devoted to, and vice versa. "Liv ;” "I'm not trying to talk you out of this. I'm certainly not condemning you for having multiple partners, David. On behalf of myself, and all your partners, I insist I go with you and provide overwatch. You know I'm a better sniper than you. You're better at CQB. We do this together." A cold hand gripped Dave's chest. "Olivia, I already dragged you into one gunfight. I won't do it again." "You didn't drag me into anything. The world sucks and some people are assholes. The same guy that taught you raised me not to just stand idly by. I'm going with you." She came in close, molding her hand to his jawline. "You didn't cause the attack this morning. You stood in the gap, and I stood with you. What you're about to do is needed. And I'm standing with you again." Without another word, she slipped around him and started gathering her gear. Dave joined her. Within half an hour, they loaded tactical gear, ammo, weapons, water jugs, canteens, and field rations in Liv's pickup and got on the road. They were completely in sync, though neither spoke a word. Chapter 12; A Walk on the Chaotic Good Side. October 29, 2020 12:30am The hum of the heater fan on its lowest setting combined with the warm air coming off the windshield were not helping Dave maintain alertness. Livy drove while he checked their route against what he'd seen on the detective's map. So far, it was just a matter of 'drive towards Athens'. Dave snuck the window down a little, inviting some cool air to help him stay fresh. Not too far, though. Occasionally, they'd run into an isolated cloud still giving up a pittance of drizzle, remnants of what passed over their house yesterday morning. Mostly it was just cold. "I miss the little triangle windows that pivoted open on Dad's old beater pickup." Dave chuckled. "Yeah, those were useful. Guess somebody decided to save money and make them fixed instead of movable." Olivia humphed in response. When she said nothing for a few minutes, he reached into the bag on the seat between them and pulled out an apple. She didn't notice until he took his first crackling bite. "Damn. Again?" she laughed. "Fill up too much and you'll bust out that stab shirt. Sorry, it's just;” "I'm eating way more often than the rest of you, and not gaining any weight. Yeah, I know. They said this serum shit has weird side effects. Seems for me it's kicked my metabolism into the stratosphere." "Oh, big words like 'stratosphere' huh? Hmm, ya know, the higher metabolism would explain why you're outrunning me." Dave turned his head towards her, a mock annoyed expression on his face. "I've been faster than you for years. For a bit there in your teens you gave me a good challenge." Liv giggled. "I got faster so you'd have to look at my ass." "I worked harder to stay ahead of you so I wasn't looking at a sixteen-year-old's ass." Out of the corner of his eye, Dave noted Livy giving him a rueful look. With a quiet voice; and one eye on the road; she asked, "Is this the only way we could have been together?" His heart skipped a beat. His voice was deepened with loss when he replied, "I don't know, Olivia. I just don't know. The two of us together would have been a very unusual pairing in other circumstances. No law would have stopped us being together but a lot of custom and tradition would interfere." He reached his hand out and she took it. "So it was either this, or an asteroid hitting the Earth for me to get you?" Dave laughed. "Maybe not quite that dramatic." Their joined hands lay on the seat between them for a time, enjoying the union of their lives as the cold, damp miles passed. Half an hour later, signs proclaimed a junction ahead as they neared their first waypoint. "Want me to stay on 175 and go east around Athens?" "No, west on 7. When we get to the southside of town, we'll take 19 south." Dave waited before asking, "You need to switch out. We've both had long days." "I'm good. Just hand me another Dr. Pepper." Dave knee-stood in the seat, reaching back to the cooler with water, soda and reusable freezer packs. Ice would have been too loud loading at the house, and going to an automated ice station was more deviation than he was willing to take. The drinks weren't ice-cold this way, but they were at least cool. Between the caffeinated soda, and the No-Doz bottle in the glove box, they could fight off the drowsiness the road hum threatened to induce. Weirdly, the squeeze from the compression shirt for the stab plates helped keep him awake, though it did make it tougher to twist around for things. Maybe if he wore it more often, he'd know how to move better in it. With the late hour, and pandemic rules in effect, they hadn't seen another vehicle since pulling out of their own driveway. They crossed three overpasses for major roads out of town before exiting to southbound 19 / Palestine St. The creepy feeling intensified as they took their exit. The north side of the road held a hospital with what was undoubtedly the only ER for thirty miles around. In some directions, even further than that. And there was no activity at all. The lights were on. But no signs of human movement. A few miles down the road they passed the middle school, completely abandoned since March. Liv's hand slipped back to the middle of the bench seat. Dave added his to hers, holding her gently but firmly. Ten minutes later, with their headlights boring holes into the pitch black, Dave's phone buzzed. He pulled it out, noting the time was now approaching 2am. -There's been another attack, this time on a very rich man's estate. Bodyguards dead, left laying there. -Rich man dead, carried off, along with most of his partners. -Last seen southbound on 45, suspect they are taking that to 287 until Palestine. No intelligence beyond that. Please ask your friend to decide quickly. Dave quietly fumed. Another attack meant more suffering that he hadn't prevented. That was the whole point of this crazy scheme wasn't it? Immediately, he recalled a story Carter had told only once, after they'd been roommates for more than a year. It was a 'Boy's Night In' with two pizzas and a tsunami of beer, and some typical action flicks playing. Dave's friend related a time when they'd been too late to protect a local villager that had cooperated with the Special Forces team. The local government goons had not been kind to the collaborator. Or his family. "We found out too late, got there too late, not a fucking thing we could do. Not one fucking thing. Except," he raised his head so his bloodshot eyes were revealed, "we tracked the fuckers and took them out before they got back to their base. It was beyond our mandate. We were supposed to train only, not engage directly. We did it, and never talked about it." Track the fuckers down and take them out. Little wonder why that particular memory surfaced now. "Something wrong?" "Text from the detective. They hit another house. Successfully this time." "Oh shit. What are we going to do?" "What an old friend once told me was the only real option. Track the fuckers down and kill them." "Dad was such an eloquent man." Dave barked a laugh as he texted back. -We're already enroute. -We'll locate them on the run and track them to their base. -Thank God. -And thank your friend for me. Dave still saw no reason to inform her of his omission. Well, he felt a little guilty, but she'd get over it. Lupie on the other hand, might just tie him to the bed and spoon feed him between each woman's 'dosing' turn. Shawna might or might not help Lupie, but she was not going to help Dave avoid Lupie. Hell, by the time he got back, Lupie might be so worked up she'd chew him out exclusively in Spanish for over an hour. In between kisses and hugs because his dumb ass came home in one piece. Getting his mind back on the present, Dave pulled up a map on his phone. "This may make it easier to find their base. They're coming down 287. Previous attempts tracked them as far as Palestine. We'll intersect with 287 just outside Palestine, so we'll pick a good spot when we get there and wait. I suspect they will be an hour or half hour behind us." "K." Dave zoomed and scrolled on his map for several minutes. "There's a community college north of the intersection. It has a parking lot that will give us a good view, but far enough away we could miss something. There's also a gas station and a convenience store on the south of the intersection, on the west side that would give better views, but higher risk of detection. It's probably closed. If we're the only car there, it's going to be awfully suspicious; especially if we pull out right after they pass." "Don't worry, Dad gave me a few lessons on shaking a tail, and on tailing. Just before I went off to college, he even had me drive back country roads with no lights; on the road or car. If we can avoid getting noticed when we first pull out; by waiting 'til we can just see their tail lights; we should be fine." "Let's go for the convenience store first. If it looks too dicey, we'll move off to the college parking lot." Liv nodded her agreement. The silence that followed persisted until the intersection loomed. The community college parking lot had all of its lights on, as did the Exxon just south of it. The Valero on the west side and south of the intersection had its awning lights on, but no more. No lights were on around the convenience store south of the highway confluence. Even better, there were two vehicles parked in the lot. Liv pulled into a space near one of the other vehicles. But not too close. She killed the lights, lowered the windows halfway, and turned off the ignition. Both occupants of the truck surveyed first the near vehicle, then the more distant one, looking for any sign of occupancy. If these guys were good, they might have a lookout posted to watch for a tail. During the forty-five minute wait, neither their eyes nor ears detected any sign of another person in the parking lot. For that matter, there was no sign of anyone around the college, or in the gas station south of them. The station across the way probably had an attendant inside. A low rumble coming from the northwest initially alerted Dave and Liv to their approaching quarry. Without exchanging words, they each hunched down in their seats. Both were on full alert. Hunter versus hunter was a dangerous game. Of course, if one hunter doesn't know the other is around, so much the better. For the other at least. Five S U V, varying from mid-size to huge, rolled swiftly through the interchange. They slowed from far in excess of highway speeds, down to something reasonable for the possibility of merging; if one had incredibly sparse traffic to handle. Which worked just fine, since there was absolutely zero traffic to merge with. As the engine sounds began to fade, Livy sat up and started the engine. She quickly doused the lights that automatically lit up before backing out from behind the vehicle two parking spaces over. Hopefully, it shielded them from the target's notice. Well, that and the fact the targets were headed away from them, and presumably keeping hostages in check. With swift, smooth motions, Olivia got the pickup on the highway following the distant trail of tail lights. Noting the woodlands on both sides of the highway limiting visibility around the curves, Livy began rapidly closing the distance. Balancing that were the few streetlamps and the need to not show up in the last vehicle's rearview mirror. The train of S U V passed under one, went dark again except for the taillight; which brightened briefly; then were illuminated again for a flash before disappearing. "Shit," she muttered. "It's gotta be the underpass for the loop. That's why they went left and cut off. They went behind the embankment. Just take the loop to the left and keep pressing. We'll catch them. Just be careful of more street lamps. I'm not sure if this loop they're hopping on is limited access. If they hit stoplights, we'll need to be very careful to avoid notice." "Right." There were a few traffic lights to negotiate, but both were solid green the entire time the runners and the pursuers were in view. The greater concern was the street lights near the intersections. Increasing their following distance once a traffic light became visible bought them some grace. They also took the risk of allowing the convoy to get out of view over a small rise while they waited just outside the pool of light before making the left at Park Ave. That was followed by mild panic until they could catch up with their quarry. A sweeping left turn awaited just over the crest. Dave spotted tail lights turning right as they finally hit a straight section. It turned out to be another curve in the road. This road had just enough curves to allow Livy to close the distance and remain unobserved. As the pursuing duo came around one curve, the convoy ahead was disappearing around the next. Just as they cleared a shallow 's' turn, Dave spotted tail lights disappearing to their right. "Ease up, I think we're going off onto a narrower road." By the time they reached the turn, Liv had them at an appropriate speed. No sign of the convoy ahead, and greater darkness with the trees closer in, she had to go slower. Fortunately, the road was winding through a few tight turns which caused the convoy to go even slower. They managed to catch sight of taillights and hear engine noises through the trees before they got close enough to be noticed. The asphalt took a gradual rightward curve, but a faint red glow inside the dust cloud ahead signaled the convoy had plunged ahead onto the dirt road. Hunter and unwitting prey slowed again, but the frequent braking and the scattering effect of the dust kept Dave and Liv well aware of their quarry's position. Liv coasted and maintained distance so she never had to touch the brake. To do so would reveal their pursuit. The convoy slowed further and Liv allowed the truck to coast to a stop. "Let's find a place to park this thing and dismount." Dave pointed off to a small pocket beside the road where the trees curved away from the dirt track. Each opened their door gingerly, sliding quietly to the wet grass. Liv and Dave first checked their own gear, then each other's. Satisfied they wore or carried everything they thought they would need, they eased the doors closed, latching them softly. "One benefit of this weather; the gators will be hibernating, and maybe the snakes too," Dave said in a whisper. "Brumating. And probably yes on both counts. The gators will be in the water, but the snakes will find a burrow or hollow log. So stay away from likely hidey holes." "Yes, professor." Dave's wry grin was both smart ass and respectful. Liv's nature knowledge far exceeded his own. Her reply smile was appreciative. Then both faces went blank as the two focused on their mission. Using every technique Carter had taught him, Dave slipped stealthily through the trees. Crouching, he moved swiftly from bole to bole, taking care to avoid rock piles and downed logs. The red glow in the distance was diminishing. He noticed sets of tail lights lining up side-by-side before extinguishing. They were parking. That was a good thing, because Dave and Liv were already on foot. That also meant the possibility of guards on the perimeter. Dave paused a bit longer in his position, searching for any sign of patrols or stationary sentinels. Seeing none, he dashed forward to a new location and watched again for any sign of an observer. Liv moved from her prior spot to the place Dave had just vacated. Morning twilight was in full swing, so the pair had good lighting. Periodically, Dave observed men moving to each vehicle, removing a woman, and leading her to one of the buildings. A few men guarded the vehicles, but their focus was on the occupants, not someone outside. All the better. Dave and Liv found themselves places within whisper distance a few feet back from the tree line. Unobstructed views with low probability of getting spotted. In better circumstances, they would observe for hours, from multiple positions around the clearing, gathering information and striking in the wee hours, or at first light tomorrow. But; those women being taken inside compelled faster action. Whatever these assholes were doing needed to be stopped. At the same time, they couldn't just rush in, or they'd lose, Dave would be dead, and Liv would be dead or worse. And not long after, the rest of his family would be in very dire straits. So don't fuck up, asshole . This had to be what Carter meant about walking the razor's edge. One thing was clear; these guys had no security posted. The pre-dawn twilight was sufficiently bright that someone looking out the window would spot them if they got stupid. The trees opened up into a large clearing. Within the open space sat the parked S U V, two large buildings, and several smaller ones. The two large buildings were corner adjacent and perpendicular on their long axes. They were somewhat longer than they were wide. The large building stretched wide across their eyeline seemed to be where everyone was gathered. That's the building the women had been taken into. Several others converged on that location not long after. About half an hour after the last man disappeared into the big building, Dave and Liv spotted someone leaving. He had someone over his shoulder. He headed for one of the smaller buildings. About five minutes later, it happened again. Time to communicate. He pulled out his phone, already set to silent, no vibration. Fortunately, he had a few bars. -Compound located. Track my location. Stuffing his phone in his pocket without waiting for a reply, Dave slid closer to his partner. "I'm going in closer. I'll get under the windows and listen in." Liv's face was unconvinced. "Is that wise?" "We need to know more before we do anything. I've got to get close enough to hear them. Get your rifle ready to snipe. Keep me covered. I'll pass on the outside of the first building," he pointed to the one that lay along their line of sight and perpendicular to the target building, "and then cross along the near wall of the one they're in. You'll be able to see me for most of that time, and you can see either end. You'll know if someone's about to come around and spot me." "We need Dad's low watt tactical radios." "If wishes were horses, hun." He gave her a quick kiss, then silently backed further into the trees. This allowed him to move more quickly without detection, though he still remained on alert for any sentries out here in the trees. There were none. Approaching the tree line again, he scanned thoroughly with eyes and ears, for any sign of someone that would spot him emerging. With still no sign, Dave dashed from the trees to the near wall of the likely empty large building. There he waited, listening for any sound suggesting he'd been seen. His heart was pounding. He worked to calm himself so he could hear anything over the roar of the blood in his ears. Of course, that could just be the contrast. This rural fall morning was incredibly quiet thus far. Satisfied he was as yet undetected, Dave moved stealthily to the far corner of the building. He put a hand on the wall, feeling the rough brick exterior. It was distinctly not new, but not decrepit either. A few short steps brought him to the building's corner. Using the 'slicing the pie' tactic Carter taught him so long ago; and re-taught over and over and over; Dave passed around the corner to find no one there. Hugging the wall, he crept by, pausing at each of the two doors, listening for any sign of occupancy. By the time he reached the end of the building near the occupied building, the sun was not yet up, but the sky was well-lit. As was the compound. With more on the line, Dave took more time with his pie-slicing cornering technique. The rest of the compound, then the side wall of the other building, and then the back wall of the target building came slowly into view, all devoid of other humans. He slid carefully along the sidewall of the empty building until he was near the corner closest to his target. With his head only he once more rounded the corner, verifying no one had entered the small area bounded by the two buildings on two sides in the time he'd been behind the first one. Sure that he was clear, he crossed the gap to the second building. He watched his footfalls carefully since the area conjoining the two buildings had been cemented in a rectangular shape. Postholes along the edges suggested this might be some sort of outdoor area with an awning during warmer times. A broom at the corner Dave was heading for suggested someone took the time to keep it clear of debris. At least he didn't have to worry about stepping on a twig. Dave heard a door open, then close. Footsteps in grass reached his ears but receded. He swiftly slid along the wall to the front of the building and took a cautious peek. Once again, a man was walking toward one of the smaller buildings, this time carrying a woman in his arms rather than over his shoulder. Dave eased himself away from that corner and back to the corner proximate to the back wall. He had to step carefully around the broom again as he came around to the semi-enclosed courtyard. Dave eased his way carefully along the back wall. At least now he had the benefit of knowing Liv could watch the area around him and cover him as needed. He crept carefully, listening for sounds through the wall. Primarily though, he knew his best chances were under the three windows, two of which were close together, more than halfway down the building's length. As he approached an exterior vent for a dryer, he paused. For a moment the thought flashed through his mind that this would be the ideal place for a snake to hide. Then his rational brain took over, reminding him that the intermittent nature was likely insufficient to help a snake survive through the winter. They were more likely off in the woods somewhere or hiding in the walls of one of the houses. The first window was just past the vent. Dave paused. He waited for a few minutes, but heard nothing. He edged up, his face upturned, his nose turned away from the building. Edging upward, he allowed his peripheral vision a first glimpse in the window. It was dark. He turned his head slowly, seeking greater detail. A few shadows and a small light on the back wall limned out an empty kitchen space for a community. Efficient, but a little too regimented for Dave's taste. A little too zombie group think. Dave moved forward. This time he skirted around a pile of small diameter metal pipes. Must be for a future irrigation project or outdoor faucet. The next window was only a few feet past the pile. Dave had to be careful how far out he went. He crouched and quickly got back to the wall once past the pipes. He could already hear voices. Someone was angry. "I said sit the fuck back down. You dumbasses cost us three men with your half-assed raid. No, you don't get a shot at any of the women from this raid. You're lucky we let you fucking live. One more fucking word out of your fucking mouth and I will shit-can all your asses. And you, big mouth, you'll go last; after I ass fuck your sister without a new dose! You can watch her melt like somebody poured battery acid in her shithole, then I'll kill you, with the memory of her screams in your fucking ears!" Dave went cold. His mind called up one of the videos about the dangers for a woman exposed to the semen of any man other than her partner. Anger welled up in him, but he tamped it down. A berserker rage banged against the walls of Dave's discipline. He held his focus, knowing he would only accomplish his goal with cold efficiency. All the things Carter said over the years, words that had been whirling in his ears since the moment of the break-in, all settled into cold clarity. Yeah, they were gonna die. In due time. He crept closer. Again taking care to avoid detection, Dave saw a woman select a syringe full of a vibrant green substance. She moved over to; a dead body on the floor? What the hell? Why is she injecting the dead guy? Wait, now it's purple inside? Maybe he just misidentified the earlier color? The woman with the syringe stood. A man dragged a blonde woman over to a table near the lady with the syringe. Dave heard her whimpering once she was close. A second man took the woman's other arm. The two men held her pinned, face down, against the table as her whimpering turned to active cries. Dave's stomach turned over. A third man pulled the woman's pajama pants down. She wore no panties. The woman with the syringe approached. The way she walked, and the look on her face, gave the impression she was walking to the gallows. Dave swore she mouthed the word 'Sorry' to the pinned woman before injecting her with the purple contents of her syringe. Immediately, the woman jerked and thrashed. The man behind her dropped his pants. Dave dropped low, not needing to see anymore. Hell, he'd seen far more than he ever wanted to. The cries and sounds he heard had a certain resonance with the priming and later imprinting orgasms of his partners. But overlaid with a guttural, raw emotionality. Then there was no more sound from the woman. A few low conversations between the men, and then Dave heard the door on the other side of the building open. Dave duck-walked away from the window and around the pipes. Once against the wall again he raised up a bit and paused. He needed to collect his thoughts. What to do was clear. Kill every man here. Given what they were doing, there were no innocents. The only questions revolved around how to do what needed to be done. Ideas formed in his head, but he needed to confer with Olivia. At the very least, she needed to know his intentions. Teamwork would be vital. He also trusted her judgment. Her input could prove useful. It often did. Something more about Olivia was rattling around the back of his head. A thought jumping up and down, demanding attention, but not coming forward. Like a word sitting on the tip of your tongue you just can't say. Something he knew, but wasn't fully acknowledging. It didn't seem related to the immediate task, so Dave moved his attention elsewhere. The number of trips from the large building to the smaller ones was very nearly the number of trips from the cars to the big building earlier. That meant soon the men would no longer be occupied with; what they had been doing. Since some had recently come back from a raid, they were likely to bed down soon. That would be a good time to strike. Time to move and communicate. The door had cycled twice more during Dave's thinking. As he rounded the corner of the empty building, free to move unobserved, he heard the door slam open. He froze in place, a few steps past the corner, where he could listen without being detected. Multiple footsteps approached, and sharp mutterings between two men. The footfalls changed as they crossed from the grass onto the concrete. Their voices became clearer too. "Why drag her all the way out here? It's fucking cold and wet." "'Cuz I don't wanna clean up the fucking mess when the old bitch slags, that's why! Grass will just eat it up and get nice and green next summer. Inside, the carpet and the fucking pad have to be replaced." Dave's blood boiled. He tamped it down for immediate purposes. He also started moving back the way he came. Weapon at the ready, he rounded the corner again. Three figures were just crossing off the concrete pad and back into the grass. Two males in hunter camo and a naked blonde woman sobbing as they dragged her between them. They stopped several steps off the pad. One man was out of view, the empty building blocking Dave's line of sight to him. Liv surely had a good shot on him, but she might not yet know enough to take it. She'd know soon enough though. The man Dave could see was turned away from Dave, with the woman collapsed, on her knees in front of him, looking away from Dave also. By their orientations, the man that was out of sight was probably facing the corner and would see Dave the instant he came around it. Fortune favors the brave . One of Carter's favorite phrases. Dave slipped the MP5 back behind him, on safe, he pulled the.22 pistol from his holster, and the silencer from his cargo pocket, mated them gently, and carefully began screwing the silencer in place. The woman cried out, pleading for mercy. Unseen by Dave, the second man slapped her, the sound unmistakable. Dave was moving as the slap echoed. His face etched in stone. No anger in his visage, no mercy in his eyes. His weapon came up smoothly as his feet accelerated him along the wall towards the man in his vision. Dave was now a fire and maneuver platform for the pistol. Just before he cleared the corner, he fired three rounds, all into the man's upper left back. His shot group was as perfect as the practices with Carter over the years. At least one of the rounds went through the man's heart. The suppressor dulled the sound of firing, and the subsonic ammunition avoided the supersonic crack of the rounds that would surely draw attention. The stricken man fell even as Dave came around the corner, rounding on the next target. That man was just beginning to look towards the corner with a curious expression. Dave fired again. Three rounds, just as Carter had trained him. He also dropped with no further resistance or sound. The first target was on the ground and the second descending, knees buckling beneath a falling torso, when the shuddering blonde woman registered the changes. She began to rise and turn around. Dave reached her at that same moment, grabbing her bicep and hauling her to her feet. To forestall undesirable attention, he shifted his hand from her arm to her mouth, clamping it shut. He got there just in time. The woman stared at him, terror in her wide-open eyes. He held his pistol low and to the side, but her eyes ping-ponged several times from it to his face. As frightened as she was, her eyes settled, then roved over his face. Within seconds her terror was held in check. Not gone but shoved aside. Like she was ready to believe something less evil than that of the other men's plans was now upon her. "Stay quiet, I need to get you out of here." She nodded. Wariness was present, but also a willingness to believe in; something. Grabbing her hand, Dave led her across the concrete pad and around the corner of the empty building. He didn't stop until they'd passed the length of the building, now leaning against the short wall, in full sight of Olivia. In pausing, Dave was reminded consciously of what his subconscious had of course noted; the woman wore not a stitch of clothing. He quickly averted his eyes, but not before registering her phenomenal figure. Granted, the condition of her skin on her face and her body indicated a woman with more than just a few decades of experience on this little ball of rock, but she was none the worse for wear by any means. Fit was an entirely apt description. Her tits had a natural sag, but still bore a certain firmness as well as a modest heft. And her eyes. Her eyes were captivating. Penetrating even. They stared at him from a gently rectangular face. Modestly arched eyebrows topped those gazing deep green orbs, and model perfect cheekbones provided a pedestal for those eyes to rest upon. Shapely, proportionate lips still trembled slightly beneath a nose that was not quite angular, and more than a button. Her face would fit in on a magazine cover or a boardroom. A face that could launch a thousand simps. "Let's get into the trees. My partner, Olivia, is waiting for us. Once we get away from prying eyes, we can give you something to cover up with. What's your name?"" Her face warmed briefly even as her arms instinctively moved to shield her tits. "Natasha." Her voice was unsteady, but not weak. "That way, Natasha." Dave pointed to a small gap between two young trees. Nothing he'd seen suggested she was a plant or any other kind of trap, but with only himself and Liv, he realized there was no room for fuck-ups. He spent much of his time walking sideways, keeping an eye to their rear. They entered the trees easily and without getting spotted. Natasha immediately slowed, picking her places to step more carefully with her bare feet on the woodland surface. They proceeded straight back from the buildings, in reverse of Dave's approach. He caught her arm when they reached the point to turn left towards Liv. Pointing quietly, Dave directed her on the new course. She nodded and kept moving. A few steps later, things started getting exciting. "Oh, holy Shit!" Even before his head turned, he knew the speaker was in the same vicinity as the two bodies he'd left behind. Through the intervening trees, Dave spotted a man standing in the gap between buildings. He safed the pistol and started unscrewing the silencer. There was no angle in stealth anymore. Once separated, the pistol went back in the holster and the silencer in his cargo pocket. He brought his MP5 back around. The man circled the two bodies slowly. Dave quietly moved closer to Liv, until they could see each other. With her attention on him, Dave drew his hand across his neck, then pointed at the man still examining the space where his friends had fallen. He heard the report of the rifle at nearly the same instant the back of the man's head sprouted a jet of blood and tissue. Dave hustled the last several steps to Liv's position. Liv gave him a wry smile as she looked behind him. "Recruiting more ladies, David?" As Dave began to object, her smile dropped. "I saw the whole thing. I didn't hear what was said, but they had it coming, that's for sure." "Yeah well, we need to get her warm and clothed. And still deal with these guys." "I've got spare clothes in the truck. Let her hide inside. At least get her out of the elements." Two men appeared, one on either end of the occupied building. Dave, Liv, and their charge were too deep in the trees for the men to spot. Besides, they were focused on the three bodies they could see. "Okay, I'm going to get her in sight of the truck, and then head down the backside of that building," Dave pointed to the empty building. "Got it. So, do I let these guys go back inside?" Do I tell her to take the shot? We're already all in here . Something in Dave went cold. "Once they turn back, take the shot." Liv merely nodded, her attention, earlier divided between her scope and Dave, was now fully downrange. Dave ushered Natasha along a tiny foot path, giving her some ease in foot placement. He tried to keep his eyes off her naked form, but when she jumped at Liv's first shot, the jostling of her tits was magnetic. He turned his eyes away quickly. Fortunately, he was able to spot the truck at this range. "We're going to have to work quickly to shut these guys down. Can you see that white patch through the trees?" Dave pointed in the direction he wanted her to look. Natasha nodded. "That's our truck. The door is unlocked. Get in there and get out of the wind. That will help you warm up some. Liv says she has a change of clothes behind the seat. Take a quick look to see if you can find a shirt or something. Then stay low, stay out of sight." The woman nodded again. "You are leaving me?" "I have to stop all of them before they hurt anyone else." Another shot rang out. She lunged at Dave, wrapping her arms around his neck. He was alarmed for just a moment, but he felt the shaking of her silent cries. She jolted again with the next shot. He gave her several seconds, then peeled her arms off of him. "I have to go." With that, he turned and hustled to a spot along the tree line proximate to the edge of the empty building. He was still covered by trees when he spotted a man moving toward him along the building. He's trying to flank Liv . Dave took up a firing position braced against a tree. Then he fired three rounds. The man dropped without a sound, though the shots echoed through the compound. Another crack from Liv's rifle announced her continued engagement with their opponents. If Dave didn't get engaged soon, they could overwhelm her. He sprinted across the gap and raced down the building's length. Another shot rang out. Dave reached the corner of the building, breathing hard, heart pounding. He heard feet slapping concrete and then go quiet. Swiftly turning the corner, he saw two men sprinting away, through the gap between buildings, and one more passing the other end of the building in the distance. Then another came around the corner near him, the follow-on to the two with their backs to him. He noticed Dave as Dave's SMG reached chest height. Dave's trigger finger pulled three times, smoothly, in quick succession. Three widely spaced red spots erupted on the man's chest. He fell against the wall and slid down. The man's weapon clattered to the concrete pad. Immediately, Dave shifted to the men headed away. One was beginning to turn. Dave fired on him first, this time with his weapon fully raised, taking aim and grouping his shots. Dave shifted to the second man that hadn't yet keyed on Dave's position behind him. With three rounds in his upper chest while running full tilt, the man tumbled to the ground. While Dave was taking out his targets, he'd registered two shots from Liv's rifle. That meant ten men in total they'd killed. But how many were there? At least ten, since the S U V had two men each. What Dave didn't know was how many were left behind to hold down the fort while the attackers were out. As he mulled over the issue, he dealt with two more immediate concerns. His weapon locked open on his last shot. He triggered the magazine release with his right, catching and removing the spent magazine with his left. Quickly, he stuffed the empty mag in his cargo pocket before pulling a fresh magazine from his tacvest. With a fresh magazine in place, he pressed the bolt release, driving a new round home. To be continued in part 11, Based on a post by RonanJWilkerson, in 12 parts, for Literotica.

The SPEED Act, a National Environmental Policy Act (NEPA) reform measure, has passed the House and is now under consideration in the Senate. This legislation aims to streamline permitting processes, which could benefit livestock producers by reducing red tape and costs associated with federal permitting for range improvements and conservation work.

Every bird species uses its wings a little differently, and some are specialized for highly efficient flight. But that means going without other abilities. Swallows and hummingbirds, like a Talamanca Hummingbird, capture their food on the wing, but they can't walk. Swifts, which are acrobatic in the air, can't even perch. Yet they dazzle with the maneuverability made possible by their aerodynamic bodies.More info and transcript at BirdNote.org.Want more BirdNote? Subscribe to our weekly newsletter. Sign up for BirdNote+ to get ad-free listening and other perks. BirdNote is a nonprofit. Your tax-deductible gift makes these shows possible.  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of the Real Estate Pros podcast, host Michelle Kesil speaks with Dusten Hendrickson, CEO of Mailbox Money, about his mission to address the affordable housing crisis through innovative workforce housing solutions. They discuss the importance of efficient design, overcoming community resistance, and the significance of partnerships in business growth. Dusten shares insights on investment strategies, target demographics, and the challenges faced in the real estate development landscape.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

In this episode of Money & Meaning, host Jeff Bernier speaks with Harrison Miller, Charitable Planning Consultant at Fidelity Charitable—the nation's largest grant maker. They explore how donor-advised funds offer families, business owners, and advisors strategic, tax-efficient ways to approach charitable giving. Harrison shares how these vehicles help donors align generosity with their values, optimize tax timing, and even involve future generations in giving.   Topics covered: ● Harrison's career path and role at Fidelity Charitable ● What donor-advised funds are and how they work ● Tax benefits of contributing appreciated assets ● Strategic giving through bunching and timing deductions ● Differences between national donor-advised funds and community foundations ● Managing investments within donor-advised funds ● How grants are made to charities from the fund ● Contributing privately held assets and the planning required ● Using donor-advised funds to engage the next generation ● Options for fund succession and estate planning ● Current trends in charitable giving and legislative considerations ● Why donor-advised funds are gaining popularity over private foundations   Useful Links:   Jeff Bernier on LinkedIn: https://www.linkedin.com/posts/jeffberniercfp_the-money-and-meaning-show-activity-7202103509700227072-h0Qn/ TandemGrowth Financial Advisors: https://www.tandemgrowth.com/ Harrison Miller on LinkedIn: https://www.linkedin.com/in/harrisonmiller

André, The Impulsive Thinker™ sits down with SaaS coach and pricing strategist Bill Wilson to dig into how ADHD Entrepreneurs can use AI to boost creativity, focus, and workflow—without falling for the hype. Bill shares how AI is more than a passing trend; it's a practical tool that helps ADHD minds brainstorm, organize ideas, and sharpen learning fast. Together, they bust myths, explore real-life automation hacks, and talk barriers like relying too much on the tech. Listen in for solid advice so you can make AI work for your ADHD Entrepreneur journey, your way, at your own pace.  

Send us a textEveryone talks about rentals and flips but few talk about capital efficiency. In this episode, Ryan breaks down why wholesaling minimizes risk, avoids holding costs, and creates faster cash flow... especially in uncertain markets. If you're trying to make money now instead of waiting 10–20 years, this conversation may completely change how you think about real estate.Learn how to invest in real estate with the Cashflow 2.0 System! Your business in a box with 1:1 coaching, motivated seller leads, & softwares. https://www.wealthyinvestor.com/Want to work 1:1 with Ryan Pineda? Apply at ryanpineda.comJoin our FREE community, weekly calls, and bible studies for Christian entrepreneurs and business people. https://tentmakers.us/Want to grow your business and network with elite entrepreneurs on world-class golf courses? Apply now to join Mastermind19 – Ryan Pineda's private golf mastermind for high-level founders and dealmakers. www.mastermind19.com--- About Ryan Pineda: Ryan Pineda has been in the real estate industry since 2010 and has invested in over $100,000,000 of real estate. He has completed over 700 flips and wholesales, and he owns over 650 rental units. As an entrepreneur, he has founded seven different businesses that have generated 7-8 figures of revenue. Ryan has amassed over 2 million followers on social media and has generated over 1 billion views online. Starting as a minor league baseball player making less than $2,000 a month, Ryan is now worth over $100 million. He shares his experiences in building wealth and believes that anyone can change their life with real estate investing. ...

Does the amount of time you spend editing photos make you want to rip your hair out? Editing is a huge pain point for elopement photographers. Whether you're drowning in galleries or struggling to create a consistent style, it's keeping you from the thing you want most, which is more freedom, more creativity, and a business that feels sustainable.   In this episode, I have my own editor, Christopher Wurzbach of LUXEDIT, to talk about ways to make the editing process easier. He shares the importance of defining and sticking to one consistent editing style, how to cut your edits down to one minute per photo, and the ways AI can actually help when editing. He also gives some tools, shortcuts, and systems that help photographers escape the editing cave.    If you're ready for editing to feel lighter, faster, and far less overwhelming, hit play now and learn how to take back your time and get back to the part of elopement photography that you love.    Connect with Chris:  LUXEDIT Website:www.luxeditlab.com/ LUXEDIT IG:instagram.com/luxeditlab/     Get help defining your editing style: www.editwithchristopher.com     Power Keys, editing tool: Website: getpowerkeys.com IG: @powerkeysapp     Apply now for the Dream Destination Workshop The 2026 lineup for the Dream Destination Workshop: Alaska: July 12-17, 2026 Iceland: August 2-7, 2026 Switzerland: August 10-15, 2026   Connect with Megan:

On this episode of The Dentist Money Show, Matt and Rabih explain why successful investing starts with maximizing after-tax wealth, not chasing the lowest tax bill. They explore the common myth that returns and taxes deserve equal focus and show how overprioritizing tax savings can actually limit long-term growth. Tune in to learn a smarter, sequencing-based approach to financial planning so you can build more wealth over time. If you've ever felt torn between growing your portfolio vs. minimizing taxes, this episode will help you rethink your strategy. Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.

All government agencies face the challenge of achieving ambitious IT modernization goals while juggling limited resources and seemingly endless needs.  This week on Feds At the Edge, experts explore practical strategies to make modernization both achievable and cost-effective.  Christine Maii Sakuda, State Chief Information Officer (CIO) and administrator of the Office of Enterprise Technology Services for Hawaii, shares how a dedicated change management advocate and early practitioner engagement can transform digital initiatives, emphasizing that investing in people upfront leads to smoother, more efficient transitions. And Abe Rosloff, Senior Sales Engineer at Datadog, adds that not every system needs to be included in a transition. Understanding priorities, cataloging applications, and involving the team early are key steps to achieving cost-effective modernization.   Tune in on your favorite podcast platform to hear actionable insights that can help your agency modernize IT without breaking the budget.               

In the final hour, Marshall Harris and Mark Grote were joined by Jenkins Elite founder Tim Jenkins to share his takeaways from Bears quarterback Caleb Williams' impressive performance in Chicago's win against Cleveland on Sunday. After that, Harris and Grote pondered if we're witnessing the start of a rivalry between Williams and Packers quarterback Jordan Love as their teams are set to meet in a pivotal game Saturday at Soldier Field.

Marshall Harris and Mark Grote were joined by Jenkins Elite founder Tim Jenkins to share his takeaways from Bears quarterback Caleb Williams' impressive performance in Chicago's win against Cleveland on Sunday.

Last time, we explored Veronese's dazzling Wedding Feast at Cana a Venetian marvel painted for a monastery refectory and admired there for over two hundred years. Today, we follow the painting into a very different world: war, politics, plunder, restoration disasters, and an ongoing question of art crimes and restoration. Once again my main source for today is the excellent book Napoleons plunder by Cynthia Saltzman Support this show http://supporter.acast.com/panamepodcast. Hosted on Acast. See acast.com/privacy for more information.

In this episode of the Grow Your B2B SaaS podcast, host Joran welcomes back Jacco van der Kooij, founder of Winning by Design, to unpack how AI-native SaaS companies are changing the rules of growth, pricing, and go-to-market in 2026. The conversation covers why real-time user-level data is becoming the defining competitive advantage, the pitfalls and promise of usage-based pricing for AI products, the existential challenge of inference costs for freemium models, and the enduring importance of subscriptions with smart hybrid elements. It also dives into how AI will replace the majority of sales tasks, the 30 percent of human expertise that remains essential, and why advocacy and community-driven growth loops will shape pipeline generation. From early-stage foundations to scaling to $10 million ARR, Jacco breaks down what founders need to get right now to thrive in the years ahead.Key Timecodes(0:00) - B2B SaaS podcast intro, AI native SaaS, pricing, GTM strategy 2026(1:01) - Jacco van der Kooij intro, Winning by Design(1:14) - 2026 success factors: real-time data, PLG, cohort analytics(2:31) - AI native buyer journey, user-led growth, usage patterns(3:48) - SaaS pricing: usage-based vs subscription, outcome-based pricing(4:23) - AI inference costs, freemium risk, monetization challenges(5:05) - Freemium in AI tools, limits, value gating(5:23) - Consumption-based pricing vs subscription, hybrid pricing(6:12) - Hybrid pricing example, membership + per-resolution fees(7:03) - Efficient growth, GTM efficiency, LTV:CAC, retention, outcomes(8:36) - AI for customer insights, demand gen, lookalike users(9:36) - Ad: B2B SaaS affiliate referral platform, AI-powered recruitment(9:47) - AI and jobs: replace vs enable, workforce impact(11:19) - GTM with AI: 70% sales tasks automated, CRM, scheduling, summaries(12:56) - Trust, human expertise, advocacy, risk mitigation(13:59) - Rebuilding GTM 2026: automation, expert touchpoints, events(15:00) - Growth loop: usage patterns, word of mouth, advocacy pipeline(16:26) - Community-led growth: user conferences, LinkedIn sharing, Clay example(17:02) - SDR strategy: activate users, customer success advocacy(17:11) - Early-stage advice: real-time data system, analytics(17:25) - Data stack recommendation: Snowflake, realtime data lake(17:32) - Scaling to $10M ARR: team alignment, closed-loop GTM(18:04) - Shared system understanding: recurring revenue, training(19:01) - Growth Institute by Winning by Design: courses, community, case studies(19:39) - Where to find: winningbydesign.com, Growth Institute(19:45) - Closing thoughts, optimism, AI era(19:54) - Outro: like, subscribe, sponsor, guest/topic requests(20:17) - Reditus mention, B2B SaaS affiliate program

SKID STOPPED! Eagles Offense Efficient, Defense Delivers 31-0 Shutout vs Raiders (12/14/25)The SKID IS STOPPED! The Eagles delivered the definitive statement win the fanbase desperately needed with a dominant 31-0 shutout victory against the Raiders. This historic performance marked the team's first shutout win since 2018, and the defense was otherworldly, holding the Raiders to a staggering 75 total yards of offense! We dissect the massive turnaround, review the efficiency of the offense, and ask which unit deserves the most credit.

Efficiency is great. Sentimentality is not. Sometimes the thing holding us back from getting to a more efficient cowherd is our unwillingness to let these cows go and start over. Today we discuss how to select for a more efficient cow herd with Bart Carmichael of Wedge Tent Angus Ranch. We discuss the roll of our management in changing a cow herd as well as the unusual selection criteria that actual leads to greater performance.Thanks to our Studio Sponsor, Understanding Ag!Head over to UnderstandingAg.com to book your consultation today!Sponsor:RogueFoodConference.com (Use Code Cows30 or Wedge30 for $30 off your ticket)Relevant Links:WedgeTentRanch.comBart's Previous Episodes:Ep. 428 Bart Carmichael and Pat Guptill – How Principles Keep You From Getting Left Behind by Chasing FadsEp. 249 Bart Carmichael – Managing for Increased Diversity Ep. 218 Bart and Shannon Carmichael – Finding the Right Phenotype

By David Stephen There is a new [December 2, 2025] paper in Nature, Artificial intelligence for quantum computing, stating that, "Quantum computing (QC) has the potential to impact every domain of science and industry, but it has become increasingly clear that delivering on this promise rests on tightly integrating fault-tolerant quantum hardware with accelerated supercomputers to build accelerated quantum supercomputers." Will Conceptual Brain Science Advance Quantum Computing? "However, transitioning hardware from noisy intermediate-scale quantum (NISQ) devices to fault-tolerant quantum computing (FTQC) faces a number of challenges. Though recent quantum error correction (QEC) demonstrations have been performed, all popular qubit modalities suffer from hardware noise, preventing the below-threshold operation needed to perform fault-tolerant computations." "Though high-performance computing (HPC), and in particular, accelerated GPU computing, already drives QC research through circuit and hardware simulations, the rise of generative artificial intelligence (AI) paradigms has only just begun." "Despite the considerable promise of AI, it is critical to recognize its limitations when applied to QC. AI, as a fundamentally classical paradigm, cannot efficiently simulate quantum systems in the general case due to exponential scaling constraints imposed by the laws of quantum mechanics. Classical simulation of quantum circuits suffers from exponential growth in computational cost and memory consumption." "In the broadest of strokes, we can categorize deep neural network (DNN) applications as discriminative and generative. The former seeks to learn the conditional probability distribution P(y?x) of value vector y given feature vector x, whereas the latter seeks the joint probability distribution P(x, y)." "Critical for training all of these deep learning methods is high-quality data. In the case of QC, this data must often be obtained via simulation with supercomputers due to noise and scale limitations of quantum computers, as well as the cost (time and economic) of obtaining quantum data." "AI for quantum computer development and design. Device design. Learning models of quantum systems. AI for preprocessing. Quantum circuit compilation. Unitary synthesis. AI for circuit optimization. AI models to generate compact circuits. AI for device control and optimization. Designing optimal dynamics. Remove unwanted dynamics. AI for quantum error correction. AI for post-processing. Efficient observable estimation and tomography. Error mitigation techniques. Accelerated quantum supercomputing systems. Simulating high quality data sets." "Most importantly, each aspect of QC needs to scale, and AI might be the only tool with the ability to both solve these problems effectively and do so efficiently at scale. AI has only begun to benefit QC, and it is likely that AI will play an increasingly critical role into the realization of useful QC applications and FTQC." AI A simple way to describe AI is a technology that copied what works: the brain. Or, simply, AI is a technology that looked at the best case of intelligence in nature, the human brain, and imitated it, in the ways that is mathematically possible. Also, large language models [LLMs] copied a major basis of intelligence, language. While it is possible to operate intelligence in other ways, language is central - to human intelligence - for thinking, listening, writing, reading, singing, signing, speaking and so on. So, AI is as good as it is, following the lead of the brain, directly. Now, if this made AI relevant more than any technology that has ever existed, what should any other aspirational technology do? Copy the imitation, AI, or copy the source, the human brain? Quantum Computing There are several engineering gaps in quantum computing where fundamental answers should be sought in the brain. While AI can be currently useful for several improvement cases, the brain should be aggres...

This week we are talking about the complexities of retirement planning for high net worth individuals. Do NOT miss this episode, as we are covering creating diverse income streams, achieving tax efficiency, and planning for a meaningful legacy. This episode offers insights into personalizing retirement plans to align with your lifestyle goals and values. Key Takeaways: Understanding the importance of diversified income streams in retirement. Exploring tax-efficient strategies and the role of Roth conversions. The significance of legacy planning and charitable giving. Adapting retirement plans to dynamic life changes and family needs. #RetirementPlanning #HighNetWorth #FinancialStrategy #LegacyPlanning Reach out at contact@tricordadvisors.com Connect with Jeremiah: LinkedIn: / jeremiahjlee Email: Jeremiah@tricordadvisors.com Connect with Laura: LinkedIn: / laura-lee-59a83610 Email: Laura@tricordadv.com Connect with Randy: LinkedIn: / rkbarkley Email: Randy@tricordadv.com Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.

In this episode of The Art of Dental Finance and Management, Art Wiederman, CPA, sits down with Rachel Wall, CEO and founder of Inspired Hygiene. For over 20 years, Rachel has helped dentists build thriving hygiene departments that deliver exceptional patient care and drive profitability.Dental hygiene is a critical driver of both patient care and practice profitability. In this episode of The Art of Dental Finance and Management with Art Wiederman CPA, Art is joined by Rachel Wall, founder and CEO of Inspired Hygiene, for an in-depth discussion on building a high-performing hygiene department.Rachel shares insights on the current state of dental hygiene in the U.S. and strategies for hiring and retaining hygienists in today's competitive market. She explains why strong leadership from the dentist accounts for 50% of hygiene success and the importance of implementing clear, written Standards of Care.Listeners will also learn Rachel's four “R's” for creating a referrable practice — Relationship, Retention, Reputation, and Referrals — and why small gestures like saying “please” and “thank you” matter. The episode covers key benchmarks for hygiene production, including the ideal percentage of total office revenue and the role of 4000 codes such as SRPs and periodontal maintenance.Packed with actionable tips, this conversation is essential for dentists looking to elevate their hygiene department and maximize profitability.

Heading to the NAHB International Builders' Show (IBS) 2026 in Orlando? In this episode, I'm joined by Rick Baldonado, National Director of New Construction at Homes.com, to break down the must-see sessions, can't-miss parties, and where to find both Anewgo and Homes.com all week long.

In early 2023, dating site Eharmony released findings from a survey of over 1000 singletons. The research found that on average they spent 55 minutes per day logged in to the dating app, with six conversations on the go at the same time. Despite that, as many as 70% of those surveyed felt heavy dating app usage had a negative impact on their mental health. Spending so much energy on dating can get overwhelming, but fear not. I'm here to tell you about a solution which could help you take back control of your love life: the zero date. The idea was invented back in 2018 by American entrepreneur Christina Wallace.  What's it all about then? What's the difference between a zero date and a regular first date then? In under 3 minutes, we answer your questions! To listen to the last episodes, you can click here: ⁠Why do mouth sounds drive some people crazy?⁠ ⁠Why does Ramadan start on a different date each year?⁠ ⁠How can I move house stress-free?⁠ A podcast written and realised by Joseph Chance. First Broadcast: 15/3/2024 Learn more about your ad choices. Visit megaphone.fm/adchoices

Robert Boucai and James Broyer are the Co-Founders of Newbrook Capital Properties, a multifamily real estate investment platform built to generate optimal long-duration, tax-efficient income. Robert is also the Founder of Newbrook Capital Advisors, a hedge fund he launched twenty years ago that today manages $1 billion across long-short and long-only strategies. He was born with sensorineural hearing loss and today serves on the Board of the Hearing Health Foundation, which is dedicated to preventing and finding cures for hearing loss. Our conversation covers Robert's path from real estate to hedge fund investing and back to real estate. We discuss the real estate strategy he designed with James, including alignment, market and asset selection, property improvement, and supply-demand drivers to create durable rental growth. We close with risks, synergies with Newbrook's public equity business, and plans to scale the real estate platform. Learn More Follow Ted on Twitter at @tseides or LinkedIn Subscribe to the mailing list Access Transcript with Premium Membership   Editing and post-production work for this episode was provided by The Podcast Consultant (⁠https://thepodcastconsultant.com⁠)

How can you effectively prepare your SaaS for an exit? And what should you know about the valuation drivers, buyer types, and metrics that matter most? In a live episode of the Grow Your B2B SaaS podcast recorded at SaaS Summit Benelux, host Joran sat down with René de Jong to unpack what it takes for SaaS companies to scale and prepare for a successful exit in 2026. René helps entrepreneurs—specifically SaaS founders—design effective exit strategies and navigate the full process of selling their businesses to third parties. Across the conversation, he offered clear and pragmatic insights on what separates the SaaS businesses that grow and sell well from those that struggle, how buyers evaluate companies in the current market, and why topics like the rule of 40, net revenue retention, AI-driven scalability, and deal structure matter now more than ever. From early-stage focus at 0 to 10K MRR to strategies for moving toward 10 million ARR, René shared guidance grounded in what he sees every day in the market.This episode turns the full discussion into a clear, actionable narrative that stays true to the original conversation and is easier to follow and revisit.Key Timestamps(0:00) - SaaS Summit Benelux intro, B2B SaaS scaling 2026, Rule of 40, NRR, ARR multiples, Earnouts, Strategic buyers, 0-10K MRR, 10M ARR(0:50) - Guest intro, SaaS M&A advisor, SaaS exit strategy, SaaS acquisition process(1:14) - Scaling your SaaS for 2026(1:20) - What separates SaaS winners in 2026(1:26) - Rule of 40, Efficient growth, ARR multiple valuation(2:18) - Go-to-market strategy, New business team, Net Revenue Retention (NRR), Expense efficiency(3:05) - NRR benchmarks, Churn, Customer concentration, Market standards(4:01) - Efficient growth vs spend, AI scalability, Revenue per employee(5:06) - AI native SaaS costs, VC vs mature SaaS valuation, EBITDA vs ARR(6:38) - VC backing for AI native startups(6:48) - Freemium model 2026, Valuation cycles, EBITDA focus, AI hype, ARR multiples(8:05) - Sponsor: B2B SaaS affiliate marketing, Reditus(8:49) - SaaS valuation benchmarks, ARR multiples range(9:01) - 3.5x ARR cash at close, Earnout, Reinvest, Deal structure(10:34) - Venture capital vs Private equity(10:43) - Strategic buyers, One plus one equals three, Synergy valuation(11:22) - Build list of strategic acquirers, Exit planning(11:29) - Headline valuations vs reality, Purchase price, Earnouts, Deal terms(11:51) - Earnout as bonus, Cash at closing, Burnout risk(13:05) - 2026 growth loop, AI in land and expand, Product-led growth, AI agents(14:10) - 0–10K MRR advice, Founder mindset, Learn fast, Mentors, SaaS community(15:35) - Smart capital, Operator investors, Non-dilutive help(16:06) - 10K MRR to 10M ARR, Focus, Buy-and-build strategy, Autonomous growth, 3–5 year plan(17:43) - Contact info, LinkedIn, anno9082.nl(18:03) - Outro, Subscribe, Sponsor the show, Reditus call-to-action

Grab my Cyber Week Bundle → https://www.wholeassistant.com/bundle ---------------------------------------------- Are you moving through your days at full speed yet still feeling like you are not making meaningful progress? Many assistants live in a constant state of busy without ever experiencing the relief of being ahead. In this “best of 2025” episode, I break down the five core habits that set exceptionally efficient executive assistants apart. These habits are practical, repeatable, and designed to help you work with more clarity, ease, and strategic impact. In this episode, you will discover: How to build simple systems that reinforce your productivity instead of draining it What it looks like to prioritize with intention, even when everything feels urgent How to communicate with clarity and confidently articulate your value The time management habits that keep you proactive—and how to know when it is time to ask for support ----------------------------------------------Have burning questions you've been dying to ask? Submit your question to Ask Annie Anything by clicking here. ----------------------------------------------Enjoy what you're hearing on the podcast? Please rate and review wherever you're listening. Stay Connected: Book your free coaching discovery call. Visit the website. Follow me on LinkedIn. Send Me an Email: annie@wholeassistant.com

Unlock the secrets to transforming your long, dreary indoor rides into dynamic, efficient workouts that keep your cycling game sharp this winter. You'll gain insights into crafting a foolproof strategy that ensures every pedal stroke counts, whether you're on Zwift, TrainerRoad, or any other platform. From selecting the perfect ride duration to mastering hydration and nutrition, we guide you through the essentials needed for a rewarding indoor cycling session. With practical advice on setting up your environment the day before, you'll learn how to prepare for the mental and physical demands of extended indoor rides. Discover tips and tricks to keep your spirits high and your motivation soaring, even during the toughest moments on the bike. We share the importance of having everything within reach, from gear to entertainment options, and the little rewards that make long rides a bit more bearable. Embrace the power of planning ahead—pre-mix your hydration, lay out your gear, and charge your devices—to ensure a seamless and successful ride. Equip yourself with the know-how to make every minute count and emerge from the winter season stronger than ever.

Ever wondered what would actually happen if you disappeared from your business for two whole weeks—or longer? Most entrepreneurs think they can't, but here's the twist: the secret to real freedom isn't hustling harder or closing more deals. It's something way less obvious (and honestly, kinda counterintuitive), and it's hiding in plain sight inside your business right now. Austin once had to call 911—twice—before he figured it out. Curious what he changed so he could finally unplug, stress-free? Stick around... the answer might surprise you.If you can turn your business into a machine, you unlock time freedom, high profits, and the ability to scale—systems are the secret sauce.—Austin NetzleyConversation Highlights:Discover how building scalable business systems can unlock new growth opportunities without burning out your resources.Learn the secrets to running mastermind groups that actually accelerate your business progress and expand your network.Understand why having solid internal systems is a game-changer for delivering consistent value to your clients.Apply a strategic approach to business growth that helps you avoid common pitfalls and scale smarter, not harder.Master your numbers to gain clear insights that drive confident decisions and boost your business's financial health.Resources:Visit Austin's website at 2x.co for more information about his services and resources.Download or access Austin's book, The Two Week Vacation Test, at 2x.co/friend.Check out Austin's other book, From Six to Seven Figures, available through his website or by searching his name.Google Austin Netzley to find more about his work, books, and contact information.Reach out to Austin directly through his website (2x.co) if you want to take your business to the next level or inquire about his programs.Strengthening internal systems is key to maintaining consistent success within a business. Efficient processes improve communication, reduce errors, and increase productivity across teams. Entrepreneurs who invest in refining their internal workflows create a strong foundation for scalable growth. – – – – – – – – – – – – –

Efficient healthcare shelving isn't a product of the future - it's a product of right now, experts say. In 2025, pros like Bradford Systems (1-800-696-3453) are installing these medicine storage options in Wisconsin and beyond.Learn more at: https://bradfordsystems.com/healthcare/ Bradford Systems City: Elmhurst Address: 945 North Oaklawn Avenue Website: https://bradfordsystems.com/

Time freedom is the real flex — not hustle, not burnout, not the “rise and grind” culture we've all been conditioned to recreate. In this episode, I'm sharing the exact mindset shifts, systems, and personal realizations that allowed me to grow a multi–six-figure online business… while working anywhere from 5 to 20 hours a week. Inside this episode, I dive into: ✨ The moment I realized time—not money—is our most valuable currency ✨ How motherhood cracked me open and changed how I work forever ✨ Why hustle culture keeps you broke, burnt out, and chasing the wrong things ✨ How to identify the tasks that actually move the needle in your business ✨ The guilt cycle: why high-achieving women struggle to rest ✨ My 4-Step SHINE Time Visibility System (so you never need to live on social again) ✨ Why working less made me more profitable than working harder ever did If you're craving more income, more freedom, more presence with your people — without sacrificing your health, joy, or sanity — this episode is your permission slip.

This episode looks at practical ways to pull income from pensions without handing more to Revenue than you need to. You hear how rental income fits into the picture, how a non-earning partner's tax band can save you money, and why timing matters when you've no salary coming in. The chat keeps circling back to one point. Your own setup dictates the smartest drawdown plan. Takeaways • You can pull income from pensions in a planned, tax-efficient way. • Your personal position drives every decision. No two households look the same. • Rental income changes the order in which you tap different pots. • A partner with no taxable income can unlock unused standard-rate band. • Taking modest amounts early can help you avoid chunky tax later. • A quick yearly review keeps you from drifting into higher tax. • State pensions may give you room to delay pension withdrawals. • Mixing income sources often gives you steadier and cleaner results. • Avoiding forced withdrawals in later life protects long-term value. • You worked for it. You should enjoy it.

The Rockets closed out November with Sunday's 129-101 victory at Utah, which gives Houston (13-4) 13 wins in its last 15 games, overall.Featuring Ben DuBose and Dave Hardisty, Sunday's “ClutchFans Live” postgame show breaks down all the key takeaways. Topics include Kevin Durant's uber-efficient return; a much-improved defense; and an apparent promotion to the starting lineup for Reed Sheppard.

Cees games of the week, Efficient players!

From the archive, moving bits around the internet makes a lot of heat- enough to heat a pool apparently! ★ Support this podcast on Patreon ★

Ron Benegbi, founder and CEO of Uplinq, a unique credit-scoring solution for SMEs, spoke with Rudolf Falat, founder of the Voice of FinTech podcast, about how to make credit scoring for SMEs smarter while working alongside existing solutions.Here is what they talked about in more detail:Ron's background and experienceRon's reasons for starting his businessWhat is Uplinq? What problem do they solve?What is Uplinq's unique advantage? How do they differ from other credit scoring solutions? Business modelTarget customersLocationsThe very first steps in starting this ventureWhere are you in your journey regarding product development, geographic reach, funding, and hiring? Can you share any numbers?What are your next steps for this year and beyond? Where can interested parties contact you? Uplinq site orRon Benegbi on LinkedIn 

We're rereleasing one of our favorite episodes: the April 2024 discussion of Iron Lung. Hope you enjoy, and we'll see you in 2 weeks for a discussion of Wicked: For Good! --- This episode, Aaron and Leyla check out the indie horror game "Iron Lung!" We discuss how playing together revealed our "proclivities," ways to incentivize exploration, and the benefits of limited scope. The Atlantic article on the OceanGate sub IGN Article Following the creature in Iron Lung Iron Lung Official Trailer Jay Dragon's- "A Dozen Fragments on Playground Theory" (Aaron got the framing of the rules as a skeleton for play from this piece) Guardian article about cognitive test --- Our theme song is "Obsolete" by Keshco, from the album "Filmmaker's Reference Kit Volume 2." Our other projects: Aaron's TTRPGs- https://aaronsxl.itch.io/ Aaron's TTRPG Reviews- https://www.youtube.com/@aavoigt https://aavoigt.com/

Episode Deep-Dive Analysis Available at maffeodrinks.com Maurice Doyle returns to MAFFEO DRINKS to dissect the drinks industry's inflection point, where COVID's artificial peak has given way to a "new reality" of capital constraints and complexity.Drawing from his veteran experience across major spirits and scale-up companies, Maurice reveals how brands can achieve growth without abundant funding by focusing ruthlessly on strategy, particularly what NOT to do.The conversation explores the tension between principles and tactics, why "I don't know" might be the most powerful leadership phrase, and how misaligned expectations between bottom-up brand building and top-down objectives create systemic friction.Maurice's core insight: in a world where 95% of your target market isn't buying at any given moment, success comes from matching physical availability with mental availability while resisting the siren call of premature retail listings.Timestamps:00:00 Introduction and Industry Veterans Discussion02:30 Current State of Drinks Industry - The Inflection Point08:15 Capital Challenges and New Reality Post-COVID12:45 Strategic Focus: The Power of Saying No18:20 Principles vs Playbooks - Beyond Cookie Cutter Approaches25:10 Getting Out From Behind the Desk Philosophy32:40 Capital-Efficient Growth Strategies38:55 Balancing Long-term Strategy with Short-term Pressures If what we discussed hits home and you want support from us, get in touch at bottomup@maffeodrinks.com or check maffeodrinks.com for the key insights from this episode.

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Scientists from Bengaluru's Jawaharlal Nehru Centre for Advanced Scientific Research have discovered a new kind of magnetism in a rare-earth compound that can be used in quantum and spintronic technologies. It envisions a new class of materials that can be tuned to design faster, more energy-efficient magnetic and quantum devices.

4 Tweaks To Make Your Follow Up SUPER Effective and Efficient

How will B2B SaaS Scaling be like in 2026, with AI Adoption, Pricing Shifts for Efficient Growth? This is quickly becoming the central focus for B2B SaaS leaders, as companies navigate rapid changes in technology, customer expectations, and competitive pressure. Recorded live at the SaaS Summit in Amsterdam, this episode of the Grow Your B2B SaaS podcast features a candid conversation with Romy de Groot, Chief of Staff at Atlassian. Drawing on her experience across startups, scale-ups, and Booking.com during the pandemic, Romy explains what will truly separate the SaaS companies that thrive in 2026 from those that fall behind, as AI transforms product development, pricing models evolve, and efficient growth becomes the new baseline for success.Key Timecodes(0:00) - How Atlassian Scales SaaS With AI: Live From SaaS Summit Amsterdam(0:51) - The Ex-Booking.com Strategist Driving Atlassian's Growth(1:09) - What Will Make or Break B2B SaaS in 2026(1:57) - The Death of Traditional SaaS Pricing?(2:17) - The Enterprise Contract Nightmare No One Talks About(2:58) - Per-Seat Pricing Is Dying—Here's What's Replacing It(3:27) - Freemium Is Broken in the AI Era—Here's Why(4:11) - VCs Are Done Funding Your Freemium Dreams(4:27) - Will AI Kill Startup Hiring? The Brutal Truth(5:33) - The 2026 Efficiency Playbook Every SaaS Founder Needs(6:26) - AI Can Now Automate Your Boring Work—But Not What You Think(7:23) - GTM Teams vs AI: The Speed War Is On(8:12) - No-Code + AI: Build Fast, Break Faster?(8:43) - Why Every B2B SaaS Needs an Affiliate Engine Now(9:28) - If You Built a GTM From Scratch in 2026—Start Here(10:36) - Do You Even Need VC Money Anymore?(11:13) - Your $500 MVP Won't Survive an $8M Pre-Seed Competitor(11:40) - The Smart Founder's Equity Strategy for 2026(12:27) - There Is No SaaS Silver Bullet—Stop Searching(12:52) - How to Make Strategy When Nothing Is Certain(13:33) - The Real 0→10K MRR Blueprint (That Actually Works)(14:41) - How to Scale From $10M to Hypergrowth—What Changes(16:58) - From $10M to a Billion? The Founder Mindset Shift(17:24) - Set Your Number: How Your Exit Target Shapes Everything(18:55) - Connect With Romy De Groot(18:56) - Subscribe or Miss the Next Big SaaS Insights

This week, the sisters are all over the place in the best way. They kick things off with dog drama, sourdough starter anxiety, and a completely unnecessary debate over whether Oliver Hudson actually needs to act in a Hallmark-style holiday movie. 'Tis the season, so naturally they dive into the first festive pick of the year: A Merry Little Xmas on Netflix — worth it for Chet alone, who apparently spends half the movie half-naked.Then they welcome menopause expert Kim Engelhardt, who breaks down what's really going on with women's hormones, why so many are dismissed by their doctors, why the medical field has failed women for decades, and why men would never be asked to “just deal with it.” Kim gives straight talk on symptoms, hormone therapy, sleep, bone health, and how to advocate for yourself. It's the conversation every woman deserves but too few ever get.Finally, Lynne brings it home with “What's for Dinner,” featuring Ina Garten's roast chicken that turns into chicken-and-dumpling soup the next night. Efficient. Cozy. Delicious.

In October 2025, the Ministry of Law and Justice inaugurated the “Live Cases” dashboard under the Legal Information Management and Briefing System (LIMBS) to effectively manage and reduce government litigation. Earlier this year, the Ministry also notified the “Directive for the Efficient and Effective Management of Litigation by Government of India” to curb contractual disputes involving the State. Pavithra Manivannan, researcher at XKDR Forum & The Professeer, explains what needs to be done to reduce government litigation.----more----Read full article here: https://theprint.in/opinion/counting-on-law/we-blame-the-government-for-being-too-litigious-data-tells-a-very-different-story/2785829/

Grant learns about military veterans joining the local construction workforce with help from the Department of Defense. Josh Salinger and Grant help Brian address listener feedback and questions. They also talk about Josh's new Fine Homebuilding course called A Homeowner's Guide to a Durable, Efficient, Comfortable Home.     Tune in to Episode 711 of the Fine Homebuilding Podcast to learn more about:  The Department of Defense's Skill Bridge Program Decarbonizing houses and the proliferation of data centers and AI Boosting the energy performance of houses without sheathing Have a question or topic you want us to talk about on the show? Email us at fhbpodcast@taunton.com   ➡️ Check Out the Full Show Notes: FHB Podcast 711 ➡️ Sign up for a Fine Homebuilding All-Access Membership ➡️ Follow Fine Homebuilding on Social Media:   Instagram • Facebook • TikTok • Pinterest • YouTube  ⭐⭐⭐⭐⭐  If you enjoy the show, please subscribe and rate us on iTunes, Spotify, YouTube Music, or wherever you prefer to listen.

Value: After Hours is a podcast about value investing, Fintwit, and all things finance and investment by investors Tobias Carlisle, and Jake Taylor. ⁠⁠⁠⁠⁠⁠Soldier of Fortune: Warren Buffett, Sun Tzu and the Ancient Art of Risk-Taking⁠⁠⁠⁠⁠⁠ (⁠⁠⁠⁠⁠⁠Kindle⁠⁠⁠⁠⁠⁠)We are live every Tuesday at 1.30pm E / 10.30am P.See our latest episodes at https://acquirersmultiple.com/podcastAbout Jake Jake's Twitter: https://twitter.com/farnamjake1Jake's book: The Rebel Allocator https://amzn.to/2sgip3lABOUT THE PODCASTHi, I'm Tobias Carlisle. I launched The Acquirers Podcast to discuss the process of finding undervalued stocks, deep value investing, hedge funds, activism, buyouts, and special situations.We uncover the tactics and strategies for finding good investments, managing risk, dealing with bad luck, and maximizing success.SEE LATEST EPISODEShttps://acquirersmultiple.com/podcast/SEE OUR FREE DEEP VALUE STOCK SCREENER https://acquirersmultiple.com/screener/FOLLOW TOBIASWebsite: https://acquirersmultiple.com/Firm: https://acquirersfunds.com/ Twitter: ttps://twitter.com/GreenbackdLinkedIn: https://www.linkedin.com/in/tobycarlisleFacebook: https://www.facebook.com/tobiascarlisleInstagram: https://www.instagram.com/tobias_carlisleABOUT TOBIAS CARLISLETobias Carlisle is the founder of The Acquirer's Multiple®, and Acquirers Funds®. He is best known as the author of the #1 new release in Amazon's Business and Finance The Acquirer's Multiple: How the Billionaire Contrarians of Deep Value Beat the Market, the Amazon best-sellers Deep Value: Why Activists Investors and Other Contrarians Battle for Control of Losing Corporations (2014) (https://amzn.to/2VwvAGF), Quantitative Value: A Practitioner's Guide to Automating Intelligent Investment and Eliminating Behavioral Errors (2012) (https://amzn.to/2SDDxrN), and Concentrated Investing: Strategies of the World's Greatest Concentrated Value Investors (2016) (https://amzn.to/2SEEjVn). He has extensive experience in investment management, business valuation, public company corporate governance, and corporate law.Prior to founding the forerunner to Acquirers Funds in 2010, Tobias was an analyst at an activist hedge fund, general counsel of a company listed on the Australian Stock Exchange, and a corporate advisory lawyer. As a lawyer specializing in mergers and acquisitions he has advised on transactions across a variety of industries in the United States, the United Kingdom, China, Australia, Singapore, Bermuda, Papua New Guinea, New Zealand, and Guam. He is a graduate of the University of Queensland in Australia with degrees in Law (2001) and Business (Management) (1999).

Most people think index funds are the only path to financial independence—and they'll get you there in 15-20 years. But what if you could get there faster? In this episode, Mindy Jensen and Scott Trench team up with John Bowens from Equity Trust to reveal advanced portfolio strategies that can accelerate your FIRE timeline. This episode covers: Strategic allocation across your Roth IRA, HSA, and 401(k) to maximize tax advantages How to hold alternative investments like real estate, private equity, and crypto inside tax-advantaged accounts Tax loss harvesting strategies that can save you thousands Managing physical gold within retirement accounts Balancing aggressive and conservative investments for optimal growth Advanced tactics for tax-efficient portfolio optimization Whether you're building wealth aggressively or protecting what you've already built, this episode gives you the roadmap to optimize every account for maximum tax efficiency and long-term growth. And SO much more! Learn more about your ad choices. Visit megaphone.fm/adchoices

Campbell's Headset Defines the Win in Washington The Detroit Lions walked out of Washington with a road win and a clearer identity. The camera told the story before the box score did. John Morton sat in the booth. Silent. Dan Campbell wore readers, gripped a play sheet, and owned the microphone. He called the offense. He never stopped talking. That shift mattered. It set the tempo. It framed every decision in a game the Lions controlled when it counted. This was not business as usual. It was a structural change. It was visible on the broadcast and confirmed after the game. The Detroit Lions Podcast made the point that many missed in real time. Campbell took command of the operation, and the sideline reflected it. Efficient communication. Direct sequencing. A head coach imprinting the plan on every snap against the Washington Commanders. This Is Dan Campbell's Offense Strip away the noise. The Lions run Dan Campbell's offense. That has been true since his first season. He took the plays then. He shaped the language. He refined the approach. Ben Johnson learned under him, executed it, and added wrinkles. That history matters now that Campbell is back on the stick. Campbell said it again this week. He laid out how the system came together and how his coaches fit inside it. Morton is part of that structure. Johnson, previously, was part of that structure. The ideas, the core concepts, the way the run and pass fit, the way Detroit marries formations to its identity, all flow from the head coach. The Lions' win at Washington looked like that lineage. Direct. Physical. Decisive. The quarterback, Jared Goff, works inside that framework. Timing, trust, and calls delivered from the top. Numbers Over Narratives The numbers told the story more cleanly than the chatter. Efficiency on schedule. Situational calls that stacked. Detroit's offense kept the plan ahead of the sticks, and the plan kept the defense honest. That balance tracked with Campbell's voice on the headset. The Detroit Lions Podcast drilled into how those figures aligned with last year's profile when the attack clicked. The overlap is the point. Scheme is stable. Play calling sharpens it. It is November. These are the NFL weeks that separate real contenders. The Lions leaned into what they do and who they are. That is the lesson that travels. What's Next: Clarity, Accountability, Enemies List Early this week, Campbell addressed the offensive structure and his staff. He kept it clear and kept it in-house. No finger-pointing. No burying a colleague. The head coach owns the call sheet and the outcomes. That posture resonates in the locker room and on the sideline. The enemies list is updated because November exposes problems and pretenders. The teams that threaten Detroit are stepping into view. Washington was a test in communication and control. The next tests intensify. With Campbell calling plays, the Lions know what travels: clean mechanics, decisive sequencing, and a head coach setting the tone. That is the edge. That is the standard. That is Detroit Lions football heading into the heart of the NFL season. https://www.detroitlionspodcast.com/?p=592624 Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, I'm speaking with David McKnight. David is a best-selling author, world-renowned tax strategist, and financial educator who challenges some of the most popular (and misleading) retirement gurus and influencers in the financial advice space. He's also a great friend, and beloved guest on the show and I'm excited to welcome him back for a 3rd time on the podcast. David is well known as the author of The Power of Zero which was made into a full-length documentary film. In his latest book, The Guru Gap, he exposes why one-size-fits-all financial guidance from so-called experts often leaves retirees underprepared and overexposed to risk. We discussed the psychological appeal of "guru" advice and how to identify when those blanket statements—like "annuities are bad" or "the 4% rule always works,"—do more harm than good. One of the things that I love about David is that he shares math-based insights into retirement income planning. We're talking about the true cost of longevity risk, and why annuities can often create more liquidity and peace of mind than traditional withdrawal strategies. David also shares his perspective on the newly extended tax cuts, how to time Roth conversions in light of the One Big Beautiful Bill, and the three critical questions everyone needs to answer before moving money from tax-deferred to tax-free accounts.  Whether you're skeptical about annuities, curious about LIRPs, or confused by conflicting advice online, this episode will help you cut through the noise and design a retirement plan that's truly tailored to you—not to the masses. GET A FREE COPY OF DAVID MCKNIGHT'S NEW BOOK, THE GURU GAP Here's how: Step 1: Subscribe to the podcast and leave an honest rating & review on iTunes. Step 2: Text the word BOOK to 888-599-4491, and we'll send you a link to claim your free copy! In this podcast interview, you'll learn: Why "one-size-fits-all" financial advice can be dangerous in retirement planning. The psychological reason Americans follow gurus—and how it can derail your goals. The real math behind annuities, the 4% rule, and the illusion of liquidity. How life insurance can serve as a volatility buffer and long-term care resource. The truth about Roth conversions and the importance of your "drop-dead date." What the new One Big Beautiful Bill means for future tax rates. Why simplicity—not complexity—is the hallmark of truly successful investors. Show Notes: HowardBailey.com/532

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3339: Darrow Kirkpatrick challenges conventional retirement advice by showing how a taxable account, when optimized for capital gains and held by low-bracket retirees, can rival the performance of tax-free retirement accounts. His simulations reveal the surprising tax efficiency of these investments, emphasizing the importance of income smoothing and smart asset placement over simply following standard saving strategies. Read along with the original article(s) here: https://www.caniretireyet.com/surprising-contender-for-tax-efficient-retirement-saving/ Quotes to ponder: "One secret to successful retirement saving, in addition to getting started, is to avoid paying taxes, especially in high income tax brackets." "Owning capital-gains-generating securities as much as possible in your taxable accounts can pay off big-time over the long haul, especially if you live in the lower tax brackets." "While most taxable accounts can't outperform the average tax-free account, they do have one clear advantage: far fewer rules about what you can and can't do with your money!" Episode references: How to Access Retirement Funds Early: https://www.madfientist.com/how-to-access-retirement-funds-early/ Learn more about your ad choices. Visit megaphone.fm/adchoices