Podcasts about Enron

Today we were delighted to welcome Jim Murchie, Co-Founder, Co-Portfolio Manager, and CEO of Energy Income Partners (EIP). Prior to co-founding EIP, Jim's career in power and electricity included establishing Lawhill Capital, serving as a Managing Director at Tiger Management focused primarily on energy, commodities, and related equities, and working as a Principal at Sanford C. Bernstein, where he was a top-ranked energy analyst. He began his career at British Petroleum and holds an MA in Energy Planning from Harvard University. We were thrilled to connect with Jim for an insightful discussion on the power landscape. We covered a lot of ground in our conversation, starting with how EIP navigates macro and market volatility by focusing on regulated monopolies and pipelines with stable, cost-plus earnings, Jim's career path and research philosophy, and how EIP's focus on utilities and pipelines emerged from investor demand for real assets and dividends. Jim provides a history lesson on power markets and how deregulated wholesale markets evolved, Enron-era manipulation, and the early-2000s gas plant buildout that ultimately led to overcapacity and merchant distress. We dig into the three-bucket framework for customer bills (generation, transmission, and distribution/other) and why the public debate often overemphasizes generation, while the biggest driver of residential bill increases has been distribution/other costs (bucket three). Jim explains that the third bucket on power bills often acts as a catch-all for costs that are neither generation nor transmission, even when they aren't distribution in the literal last-mile sense, and that greater billing and policy transparency can clarify what's exogenous versus what's controllable. He describes how the impact of data centers can differ between vertically integrated cost-plus states and deregulated commodity-market states, and unpacks behind-the-meter realities, including how hyperscalers often prefer a grid connection for reliability but still deploy backup generation. We discuss the administration's push for hyperscalers to sign long-term contracts to enable new generation build, policymakers' heightened focus on avoiding blackouts, and why this is often a peaking problem more than a supply problem. Jim emphasizes how incentives, rather than intent, drive investment behavior in regulated versus deregulated markets, challenges the narrative that data centers are inherently driving higher power prices, and highlights the economic value of reliability investments and peak-load management in shaping long-term system costs. It was a wide-ranging discussion, and we look forward to continuing the dialogue with Jim in a future episode. As you will hear, we reference a few items in the discussion. Please find the links below: Energy Income Partners Report: “Power Struggle I – How False Political Narratives Cloud the Drivers of Higher Residential Electricity Prices” (linked here)Energy Income Partners Report: “Power Struggle II – How Market Structure Affects Wholesale Power Price Increases” (linked here)Veriten's COBT episode featuring Thomas Popik, Foundation for Resilient Societies (linked here)Mike Bradley opened the discussion by noting that the 10-year U.S. bond yield looks to be the least volatile asset class at this juncture, with the 10-year bond yield trading very rangebound (around 4.25%). The dominant market theme this week, and for much of the year, has been extreme volatility across commodities (Bitcoin, Energy, and Metals). On the crude oil market front, WTI price is trading at ~$63/bbl, with volatility elevated over t

John is joined by Christopher D. Kercher and Peter H. Fountain, both partners in Quinn Emanuel's New York office.  They discuss their recent representation of Citadel Securities, one of the world's largest market makers, in connection with a case concerning Mallinckrodt, a pharmaceutical company forced into bankruptcy due to opioid litigation.  The central issue was whether $1.6 billion in stock share buybacks conducted between 2015 and 2018 could be recovered by the bankruptcy estate as fraudulent transfers. The legal theory advanced in the case by a litigation trust formed during the bankruptcy was unprecedented in that it sought to void Mallinckrodt share repurchases on the open market that were made in the ordinary course of business.  The trust contended that, under Irish law (Mallinckrodt was an Irish corporation), these repurchases were void because Mallinckrodt should have recognized that it was insolvent due to substantial opioid-related tort liabilities not reflected on its balance sheet. The litigation trust characterized these sales as constructive fraudulent conveyances, asserting that Mallinckrodt lacked adequate capital when executing the buybacks.  The trust sought to claw back the full $1.6 billion from ordinary market participants who had sold shares years prior, basing their argument on limited precedent from Enron-related cases from the 1980s. The defense successfully challenged these claims by invoking the Section 546(e) bankruptcy safe harbor provision. This provision is intended to preserve finality in financial markets and protect legitimate securities transactions.  The defense emphasized that Citadel and similar market makers qualified as financial participants and that the share repurchases constituted protected settlement payments and transfers pursuant to securities contracts under the safe harbor provision. Accepting the litigation trust's theory would require market makers to investigate not only the published financial statements of every traded company, but also hidden tort liabilities and the corporate laws of each jurisdiction of incorporation before facilitating any transactions.  Both the bankruptcy and district courts recognized that imposing such obligations would paralyze financial markets and defeat the purpose of the safe harbor provision and rejected the trust's novel claims.Podcast Link: Law-disrupted.fmHost: John B. Quinn Producer: Alexis HydeMusic and Editing by: Alexander Rossi

Eugene Soltes, professor at Harvard Business School, studies white-collar crime and has even interviewed convicts behind bars. While most people think of high-profile scandals like Enron, he says every sizable organization has lapses in integrity. He shares practical tools for managers to identify pockets of ethical violations to prevent them from ballooning into serious reputational and financial damage. Soltes is the author of the HBR article “Where Is Your Company Most Prone to Lapses in Integrity?”

Two quick questions:   1.      Do you value independent thinking—from yourself and your team? 2.      How do you create space for it on your team?   Most construction leaders say they value open dialogue, critical thinking, and intelligent, amicable debate . . . yet many unwittingly shut it down.   In this episode, host Bradley Hartmann uncovers the hidden habits that silence your team, the myth of "making people feel safe," and how to rethink your leadership to drive better decisions on the jobsite and in the boardroom.   In this episode you'll:   ·       Learn why independent thinking isn't about being contrarian—and why your team might be holding back. ·       Discover the subtle ways leaders kill creativity (even when trying to be supportive). ·       Examine the new talent on your team and question the risk of potential "organ rejection" ·       Walk away with simple changes to your next meeting that will encourage better input, challenge assumptions, and improve outcomes.   Listen now to discover how to lead with clarity, create space for real thinking, and build a team that speaks up when it matters most.   At Bradley Hartmann & Company, we help construction teams improve sales, leadership,  and communication by reducing miscommunication, strengthening teamwork, and bridging language gaps between English and Spanish speakers. To learn more about our product offerings, visit bradleyhartmannandco.com.   The Construction Leadership Podcast dives into essential leadership topics in construction, including strategy, emotional intelligence, communication skills, confidence, innovation, and effective decision-making. You'll also gain insights into delegation, cultural intelligence, goal setting, team building, employee engagement, and how to overcome common culture problems—whether you're leading a crew or managing an entire organization.   Have topic ideas or guest recommendations? Contact us at  info@bradleyhartmannandco.com.   New podcasts are dropped every Tuesday and Thursday.     This episode is brought to you by The Construction Spanish Toolbox —the most practical way for construction teams to learn jobsite-ready Spanish in just minutes a day over 6 months.      

Spencer and Jamie break down the 10 core principles of Bogleheads investing and show how military service members can apply this simple, low-cost approach to build wealth through the TSP and other accounts. If you're overwhelmed by investing advice or tempted by day trading and crypto, this episode cuts through the noise with a proven strategy that's worked for decades. Hosts: Spencer Reese (former Air Force pilot, 12 years active duty) and Jamie (active duty officer) The 10 Bogleheads Principles Develop a workable plan - Create an investment policy statement (even informal) to guide decisions during market volatility Invest early and often - Automate contributions to remove decision fatigue; increase TSP allocation today Never bear too much or too little risk - Age-appropriate asset allocation; avoid the old G Fund default trap Diversify - Don't put all eggs in one basket; TSP funds cover entire US market plus international exposure Never try to time the market - Time IN the market beats timing the market; market dropped 19% in April 2025, now up 38% from that low Use index funds when possible - TSP offers five low-cost index funds; 90% of active managers can't beat index funds over 20 years Keep costs low - TSP expense ratios under 0.1%; avoid predatory companies charging 1-2%+ fees Minimize taxes - Leverage Roth TSP and Roth IRA; military tax advantages (BAH, BAS, combat zone exclusion) Invest with simplicity - LADS approach (Low-cost, Automated, Diversified, Simple); Warren Buffett's S&P 500 bet crushed hedge funds Stay the course - Measure performance in decades, not days/weeks; don't panic sell during downturns Key Takeaways Why Bogleheads Philosophy Works for Military: Takes power back from financial advisors and complex products Simple enough anyone can succeed with minimal effort Perfect match for TSP's low-cost index fund structure Removes emotion from investing decisions TSP Advantages: Five index funds (C, S, I, G, F) cover nearly entire investable market Lifecycle funds automatically balance risk by retirement year Expense ratios under 0.1% (incredibly low) Now defaults to lifecycle funds instead of G Fund (huge improvement with Blended Retirement System) Common Military Investing Mistakes: Old G Fund default trap - cost retirees millions in missed gains Trying to time the market or day trade Paying high fees to predatory companies Not automating contributions Measuring performance over days/weeks instead of decades The Math That Matters: First $100K took Spencer 4+ years; second $100K took 2 years (compound growth accelerates) Market will drop 30% in next 10 years (guaranteed) - but timing it is impossible S&P 500 gained 125% over 10 years vs. best hedge fund's 87% in Warren Buffett's famous bet April 2025 market drop: 19% down, then 38% up from that low within months Diversification Made Easy: C Fund: 500 largest US companies (S&P 500) S Fund: ~2,000 smaller US companies I Fund: 5,000+ international companies (20+ developed + emerging markets, excludes China/Hong Kong) Combined: Total US and international market exposure Add VXUS in Roth IRA for China/Hong Kong exposure if desired Automation is Your Friend: Log into MyPay once, increase TSP allocation, never think about it again Every promotion or time-in-grade raise = bump allocation by 1% One decision removes 100 future decisions Eliminate decision fatigue and emotional reactions Fee Impact Example: Predatory companies charge 1-2%+ fees TSP: Under 0.1% Fidelity FZROX: 0% expense ratio Vanguard funds: 0.03% Rule of thumb: Stay under 0.25%, ideally under 0.10% Resources Mentioned Books: "The Little Book of Common Sense Investing" by Jack Bogle "The Military Money Manual" by Spencer Reese (available at MWR Library, Libby app, Amazon) Investment Accounts: TSP (Thrift Savings Plan) - Military 401k Roth TSP and Roth IRA (tax-advantaged accounts) Recommended brokerages: Fidelity, Vanguard, Schwab Key Terms: LADS: Low-cost, Automated, Diversified, Simple Index fund vs. active management Expense ratio and basis points Asset location strategy Investment Policy Statement Previous Episodes Referenced: TSP deep dives (search podcast) Roth TSP vs. Roth IRA explanations "Do Better" episode on predatory companies Real-World Examples Lieutenant with $50K in checking account - proves military pay allows saving, just need to invest it Service member paid off all auto and student loans in 3 months of deployment Retirees with $250-500K in G Fund who missed out on millions Enron, WorldCom, Lehman Brothers - why diversification matters MicroStrategy (MSTR) - current example of concentrated risk Who This Episode Is For Military service members at any rank TSP participants unsure how to invest Anyone tempted by day trading, crypto, or "get rich quick" schemes New investors overwhelmed by options Service members paying high fees to financial advisors Anyone who wants a simple, proven wealth-building strategy Quick Action Steps Log into MyPay and increase TSP allocation (even 1% helps) Verify you're in appropriate Lifecycle Fund (birth year + 60-65 years) NOT in G Fund unless near retirement Set automatic annual increases (1% per year) Open Roth IRA at Fidelity, Vanguard, or Schwab Read "The Military Money Manual" (free at base library) Stop checking account daily - check quarterly at most Contact Website: MilitaryMoneyManual.com Instagram: @MilitaryMoneyManual Book: "The Military Money Manual" (Amazon, $3 Kindle, free at MWR libraries) The Bogleheads philosophy has helped millions become millionaires through simple, low-cost index fund investing. As a military service member, you have access to one of the best low-cost investment vehicles in the world - the TSP. Stop overthinking it, automate your investments, and stay the course.  

ENRON was just the warm-up act. Private Equity has gone full Ponzi Scheme, and when it collapses, working and middle-class Americans will be forced to bail it out with billions in taxpayer dollars. I break down the record-setting private equity bankruptcies already hitting in 2026, expose the ENRON-style accounting tricks being used to delay the collapse, and explain how they plan to walk away rich while you pay the price. We also talk real solutions and practical steps you can take right now to protect your savings, retirement accounts, and your future.SPONSOR:If you are going to shop anyway, use Rakuten and get real cash back so you can steward your resources wisely in a world that keeps trying to take more from you. Sign up for FREE at https://jeffdornik.com/cash.Follow Tiffany Cianci on X - https://x.com/TheVinoMomFollow Jeff Dornik on Pickax - https://pickax.com/jeffdornikTune into The Jeff Dornik Show LIVE daily at 1pm ET on Rumble. Subscribe on Rumble and never miss a show. https://rumble.com/c/jeffdornikBig Tech is silencing truth while farming your data to feed the machine. That's why I built Pickax… a free speech platform that puts power back in your hands and your voice beyond their reach. Sign up today:https://pickax.com/?referralCode=y7wxvwq&refSource=copy

This episode of RiskCellar features a deep dive into the psychology behind jury decisions, covering why verdicts have surged 116% in just one year, alongside a breakdown of the shocking 200-person overnight raid by Howden on Brown & Brown's Minneapolis operations.Host Brandon Schuh and co-host Nick Hartmann examine the litigation chaos while interviewing Christina Marinakis, CEO of Verdict Insight Partners, who reveals how jury composition has fundamentally shifted toward anti-corporate sentiment, particularly among millennial jurors. The conversation exposes the data-driven science of jury selection, the rise of polarized deliberation rooms, and what defense counsel must understand about modern juror psychology in an era where median verdicts have jumped from $21 million to $51 million in just four years.Chapters00:00 - Introduction05:00 - The Howden Raid Breakdown: Brown & Brown Story 14:00 - Hayes Companies History & $750M Acquisition Details 15:00 - Jim Hayes' Journey & Relationship with Howden 18:00 - Minneapolis Benefits Exodus & Covenants Discussion 22:00 - Court Victory & Temporary Restraining Order 25:00 - Settlement Values & Account Damages 28:00 - Howden's Strategy Backfire & Client Relationships 35:00 - Guest Introduction: Christina Marinakis 36:00 - Jury Consultant Background & Gene Hackman Comparison 40:00 - Mock Trials vs. Real Trials & Shadow Juries 45:00 - Verdict Inflation Trends: $21M to $51M in Four Years 50:00 - Locus of Control: Core Predictor of Juror Bias 58:00 - Anti-Corporate Millennial Generation & COVID Impact Takeaways1. Nuclear Verdicts Are Accelerating: 135 nuclear verdicts ($10M+) in 2024 represent a 52% increase over 2023, with the median verdict jumping to $51 million from $21 million in 2020, driven by advertising, social media anchoring, and third-party litigation funding.2. Locus of Control Is the Strongest Predictor: The most reliable indicator of a plaintiff vs. defense juror is internal vs. external locus of control, whether jurors believe individuals or external factors determine outcomes, more predictive than demographics or experience.3. Millennials Are the Anti-Corporate Generation: Millennials experiencing economic hardship (home ownership, debt) and exposed to corporate scandals (Enron, Wells Fargo) now dominate juries with significantly higher anti-corporate bias than prior generations.4. COVID Destroyed Government Credibility Defense: Pre-COVID, "FDA/EPA approved" arguments worked; post-COVID, jurors distrust government agencies and dismiss regulatory compliance as a defense strategy due to shifting messaging around masks, vaccines, and guidance.5. Jury Polarization Is Creating Contentious Deliberation Rooms: Hung juries increased from 2-3 annually (pre-2022) to 12 in 2022 alone, with escalating incidents of jurors being excused due to verbal conflict, reflecting broader societal polarization bleeding into the jury box.Connect with RiskCellar:Website: https://www.riskcellar.com/Christina MarinakisCEO, Verdict Insight PartnersEmail: christina.marinakis@verdictinsight.comWebsite: verdictinsight.com LinkedIn: https://www.linkedin.com/in/christina-marinakis-18328410Brandon Schuh:Facebook: https://www.facebook.com/profile.php?id=61552710523314LinkedIn: https://www.linkedin.com/in/brandon-stephen-schuh/Instagram: https://www.instagram.com/schuhpapa/Nick Hartmann:LinkedIn: https://www.linkedin.com/in/nickjhartmann/

Nick and Dan return to talk Flyers vs Ducks, the Dvorak contract, the 2026 offseason, Briere and Tocchet quotes, more!

This Day in Legal History: January 6 InsurrectionOn January 6, 2021, a significant and unprecedented legal and constitutional crisis unfolded in the United States. As a joint session of Congress convened to certify the Electoral College results of the 2020 presidential election, a mob of supporters of then-President Donald Trump stormed the U.S. Capitol. The attack followed weeks of false claims about election fraud and a rally earlier that day in which Trump urged his supporters to “fight like hell.” The violent breach forced lawmakers to evacuate, delayed the certification of Joe Biden's victory, and resulted in deaths, injuries, and extensive property damage.Legally, the event triggered a cascade of consequences. Hundreds of participants were arrested and charged with offenses ranging from unlawful entry and assaulting federal officers to seditious conspiracy. High-profile members of far-right groups like the Oath Keepers and Proud Boys were prosecuted, with some leaders convicted of seditious conspiracy, a Civil War-era charge rarely used in modern times. The attack also led to Trump's second impeachment, the first time in U.S. history a president was impeached twice. He was charged with incitement of insurrection, although the Senate ultimately acquitted him.In the broader legal aftermath, January 6 prompted legislative and judicial scrutiny of the Electoral Count Act of 1887, with Congress passing reforms in 2022 to clarify the vice president's limited role in certifying election results. The attack also raised questions about the limits of First Amendment protections when political speech turns into violent action, and about the potential disqualification from office under Section 3 of the 14th Amendment, which prohibits insurrectionists from holding public office.Barry Pollack, the U.S. attorney best known for securing WikiLeaks founder Julian Assange's release deal, is now representing Venezuelan president Nicolás Maduro in a high-profile U.S. narcotics case. Maduro, who was captured in a U.S. military operation along with his wife, pleaded not guilty this week in a Manhattan federal court to charges of leading a cocaine trafficking conspiracy involving guerrilla groups and drug cartels. Pollack plans to challenge the legality of Maduro's capture—calling it a “military abduction”—and is also expected to raise arguments about foreign leader immunity.These arguments face steep legal obstacles. The U.S. no longer recognizes Maduro as Venezuela's legitimate president, having rejected the results of his 2018 re-election. Furthermore, U.S. courts have historically been reluctant to dismiss cases based on how a defendant was brought to U.S. soil. Still, Pollack's involvement signals a serious defense strategy grounded in international legal questions and executive immunity claims.Pollack's experience with politically charged and internationally sensitive cases is extensive. He recently helped negotiate Assange's release from a British prison through a plea deal that allowed the WikiLeaks founder to avoid U.S. imprisonment and return to Australia. His track record also includes work on behalf of a former CIA officer and an acquitted Enron executive.Assange's lawyer Barry Pollack to fight Maduro's US narcotics charges | ReutersWith a new Republican majority appointed by President Donald Trump, the National Labor Relations Board (NLRB) is expected to shift sharply away from pro-union policies that defined its recent Democratic era. After nearly a year of paralysis caused by Trump's unprecedented firing of Democrat Gwynne Wilcox—leaving the board without the quorum needed to issue decisions—the Senate confirmed two Republican nominees in December 2025, restoring its ability to act and giving conservatives control of the five-member board for the first time since 2021.Key Biden-era decisions are now vulnerable to rollback. These include expanded union rights such as representation without secret-ballot elections, bans on mandatory anti-union employer meetings, and broader remedies for fired workers. Critics say these moves strayed from precedent; federal courts are reviewing them, but outcomes will vary by jurisdiction unless the Supreme Court weighs in.Union election rules are also likely to change. Under Biden, the NLRB accelerated the election process and made it harder for decertification efforts to proceed—moves unions supported to counter employer delays. Republicans are expected to reverse these rules, potentially making it easier to dissolve existing unions.The board's political independence is also under scrutiny. A court recently upheld Trump's removal of Wilcox, challenging legal protections meant to shield NLRB members from dismissal without cause. If the Supreme Court supports similar arguments in upcoming cases, the NLRB's structural independence could be weakened, raising concerns about politicization and fairness in labor adjudications.Meanwhile, lawsuits by major companies like Amazon and SpaceX are targeting the board's role as both prosecutor and judge in its own cases, claiming constitutional violations. If courts side with these challengers, it could force Congress to restructure the agency—perhaps by limiting its powers or shifting cases to federal courts.NLRB poised for major policy shifts in 2026 with new Trump-appointed majority | ReutersWisconsin Judge Hannah Dugan resigned following her conviction for obstructing the arrest of a migrant in her courtroom, a case that became entangled in broader national tensions over immigration enforcement. Dugan, elected to the Milwaukee County Circuit Court in 2016, was found guilty in December 2025 of helping Eduardo Flores-Ruiz, a Mexican national facing domestic violence charges, evade U.S. Immigration and Customs Enforcement (ICE) agents who were present at the courthouse. She had denied wrongdoing, claiming she followed a courthouse policy requiring staff to notify supervisors of ICE's presence.Her conviction drew sharp criticism from Republican lawmakers, with some calling for impeachment, especially as the Trump administration intensifies efforts to crack down on local interference with federal immigration policy. Dugan had been suspended from her judicial duties during the legal proceedings. Prosecutors framed the case as a warning that public officials are not above the law, highlighting the Justice Department's willingness to pursue charges against judges who obstruct federal enforcement actions.Before serving as a judge, Dugan led a local Catholic Charities chapter that provided refugee resettlement services. Her background and the nature of the charges underscored the ongoing conflict between local protections for immigrants and federal efforts to expand deportations.Wisconsin judge resigns after being convicted of obstructing migrant arrest | ReutersMy column this week is on a novel cruise tax. Hawaii's attempt to expand its transient accommodations tax to include cruise ship passengers hit a temporary roadblock when the 9th Circuit Court of Appeals issued a New Year's Eve stay, pausing enforcement of the new “green fee.” The law, which took effect January 1, aims to place cruise cabins on equal tax footing with hotels by imposing an 11% tax on the portion of a cruise fare linked to overnight stays while docked in Hawaiian ports. Hawaii argues this is a general, nondiscriminatory tax on short-term lodging rather than a fee tied to the ship itself. To bolster its legal case, the state is framing cruise cabins as equivalent to hotel rooms, and emphasizing that the tax is based on services consumed on land, not the ship's movement or port access.The cruise industry, however, contends the tax violates the Constitution's Tonnage Clause, which prohibits states from levying duties on ships for merely entering or staying in port. They've also invoked the Rivers and Harbors Appropriation Act of 1884, which restricts port-related charges not linked to specific services. But Hawaii's defense is that the tax is not about access or vessel status—it is a consumption tax on guests staying overnight, regardless of whether the bed is on land or in a moored ship. The policy avoids targeting ships and instead captures revenue from tourism, aligning maritime and land-based lodging under a consistent legal framework.The Department of Justice has joined the cruise industry's challenge, suggesting the issue's seriousness. If litigation continues, the U.S. Supreme Court may ultimately decide whether this tax model is constitutionally sound. Still, Hawaii's approach—drafting a neutral, consumption-based tax rather than a maritime-specific charge—may serve as a blueprint for other coastal states looking to tap into cruise tourism revenue without triggering constitutional violations. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.minimumcomp.com/subscribe

Chris Markowski reflects on his extensive experience in the financial industry, sharing insights on investment fraud, the challenges of advising clients, and the ethical dilemmas faced on Wall Street. He draws parallels between his struggles and the myth of Sisyphus, emphasizing the importance of hard work and vigilance in the face of financial scams. Markowski also recounts his early predictions about the dot-com bubble and the Enron scandal, highlighting the need for investors to be cautious and informed.

Este episodio destila la idea que puede cambiar tu manera de aprender y liderar: no eres “así” para siempre; puedes crecer si te entrenas. La mentalidad fija busca proteger la etiqueta de “listo” y huye del riesgo; la de crecimiento se obsesiona con aprender, convierte los errores en datos y usa una palabra clave: “todavía”. No es elogiar por elogiar, es reconocer esfuerzo + estrategia + feedback. Lo que crees de tu capacidad determina lo que haces con ella.Las historias del libro lo hacen imposible de olvidar: del “aún no” en escuelas que dispara la persistencia, al experimento del elogio que cambia decisiones, pasando por Michael Jordan y el contraste con culturas como la de Enron. La aplicación es inmediata: mide procesos además de resultados, pide y das feedback, elige retos que te estiren y entrena microdecisiones diarias. Si cambiaras tu diálogo interno por un “todavía”, ¿qué sería lo primero que intentarías hoy?Conviértete en un seguidor de este podcast: https://www.spreaker.com/podcast/grandes-aprendizajes--5720587/support.Newsletter Marketing Radical: https://marketingradical.substack.com/welcomeNewsletter Negocios con IA: https://negociosconia.substack.com/welcomeLibro "Libertad Financiera" Gratis: https://borjagiron.com/libertadMis Libros: https://borjagiron.com/librosSysteme Gratis: https://borjagiron.com/systemeSysteme 30% dto: https://borjagiron.com/systeme30Manychat Gratis: https://borjagiron.com/manychatMetricool 30 días Gratis Plan Premium (Usa cupón BORJA30): https://borjagiron.com/metricoolNoticias Redes Sociales: https://redessocialeshoy.comNoticias IA: https://inteligenciaartificialhoy.comClub: https://triunfers.comThis content is under Fair Use: Copyright Disclaimer Under Section 107 of the Copyright Act in 1976; Allowance is made for "Fair Use" for purposes such as criticism, comment, news reporting, teaching, scholarship and research. Fair Use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favor of fair use. I do not own the original content. All rights and credit go to its rightful owners. No copyright infringement intended.

From Enron to Agile.Burke Willis quit Enron at the right time, and that experience helped shape a career grounded in integrity and change. He is now helping reshape how internal audit projects are done.We talk about why perfect audit plans don't exist, how two-week cycles accelerate insight, why auditors should tell business stories (not just report numbers), and the power of defining “done” and getting there sooner.

The stock market is where the real gangsters operate — not the streets, not the movies. Wall Street will break you mentally, financially, and emotionally if you don't understand the game. In this video, Wallstreet Trapper breaks down the truth behind Nvidia, Michael Burry's warnings, AI stocks, market manipulation, and what's really happening behind the scenes.We talk about:

Katie and Matt do not discuss themes for 2026 but do discuss closing certainty in merger agreements, revocable trusts, personal guarantees, doing deals over the holidays, double-pledging, amortization of past-due subprime auto loans, angling for cooperation agreements, Enron as a role model, nuclear fusion, access to significant capital and leveraged ETF training videos.See omnystudio.com/listener for privacy information.

How is Cycle H2O (a new Water VC) De-Risking Early Stage Water Tech Investment?More #water insights? Get my free mapping of 267 water investors here: https://investors.dww.show

Year-End Money Moves, Market Shifts, and Tax Changes: What's Shaping Retirement Conversations Description: Get ready for a clear, well-structured look at today's widely searched financial and retirement topics. In this episode of the Money Matters Podcast, Wes Moss and Jeff Lloyd provide informational context on market history, tax rules, consumer data, and economic developments—without forecasting or suggesting strategies. Review the Enron collapse as a historical case study and explain how Nvidia's position in the S&P 500 reflects the routine rebalancing and evolution of major market indexes. Outline the Federal Reserve's interest rate cycle and describe recent policy decisions as part of the current economic backdrop. Summarize Black Friday and Cyber Monday spending figures to illustrate how consumer activity is monitored during peak shopping periods. Note how changes in gas prices may affect household cash flow and day-to-day spending considerations. Highlight that all S&P 500 sectors reported positive performance this year and acknowledge the sectors that showed stronger historical results, without implying any future performance or recommendations. Present scheduled 2026 tax provisions and identify areas often reviewed by taxpayers, including SALT deduction parameters and charitable contribution thresholds. Explain updates related to HSA eligibility and outline expanded flexibility introduced within 529 plan guidelines. Clarify the timing requirements associated with the 30% clean energy credit for qualifying home improvements completed within the current tax year. Describe the reinstatement of 100% bonus depreciation for certain types of business equipment under current tax law. This episode offers an informational overview for listeners who want to stay aware of economic and financial topics relevant to retirement planning conversations. Listen and subscribe to the Money Matters Podcast to continue receiving clear, well-framed discussions about markets, taxes, and long-term financial structures.

The stock market is where the real gangsters operate — not the streets, not the movies. Wall Street will break you mentally, financially, and emotionally if you don't understand the game. In this video, Wallstreet Trapper breaks down the truth behind Nvidia, Michael Burry's warnings, AI stocks, market manipulation, and what's really happening behind the scenes. We talk about: 

At NADA Miami 2025, Bad at Sports' Duncan MacKenzie and Ryan Peter Miller sit down with Hilde Lynn Helphenstein, better known to most of the art world as meme-lord and art-world agent provocateur Jerry Gogosian. In a conversation that swings between dead serious and totally unhinged, Hilde traces the unlikely origin story of Jerry: a near-fatal tick bite in Hudson, NY; weeks in the ICU where she went blind, deaf, and lost the use of her hands and feet; and the eight-month bedridden period that led her to start making art-world memes "six or seven a day" just to stay sane.  She explains how Jerry Gagosian—a name cheekily mashed up from Jerry Saltz and Larry Gagosian—became an anonymous voice for the insiders, registrars, assistants, and "world's oldest interns" of the art world. Positioned "at the cutting edge of stating the obvious," Jerry's memes mined the absurdities of art fairs, galleries, power, and self-seriousness, often circulating so widely that even Arne Glimcher at Pace blasted one to the entire staff. For Hilde, the memes were "fast food," while the deeper writing and podcasting they spawned became the real work. The episode also dives into Hilde's hatred of artspeak, her love of Pixar movies as real art, and the gulf between what artists claim their work does in press releases and what's actually visible in the work. She riffs on turning incomprehensible exhibition texts into literal film scripts, skewers academic pretense, and praises the raw "holy" feeling of walking into a gallery without any language or theory at all.  In the second half of the conversation, Hilde talks about going to business school at NYU Stern after years inside galleries and the market. Learning macro- and microeconomics, statistics, and reading things like Enron's 10-K filings gave her a new lens on the art world as a distorted, unsustainable luxury market in a broader service-and-finance-based U.S. economy. From there, she and the hosts push into the hard questions: oversupply and under-demand for art, MFA pipelines, self-censorship, the moral theater of "perfect" artists, and why she believes most art schools should probably be consolidated or shut down. Hilde Lynn Helphenstein / Jerry Gogosian https://www.instagram.com/jerrygogosian/ Jerry Saltz https://www.vulture.com/author/jerry-saltz/ Larry Gagosian https://gagosian.com/ Arne Glimcher https://www.pacegallery.com/artists/arne-glimcher/ Ben Davis https://news.artnet.com/author/ben-davis Kenny Schachter https://www.artnet.com/artists/kenny-schachter/ Magnus Resch https://www.magnusresch.com/ Barbara Kingsley https://www.linkedin.com/in/barbara-kingsley-5b6b2411/ Delvin Duarte https://www.instagram.com/delvinduarte/ Keith Boadwee https://www.keithboadwee.com/ NADA Miami https://www.newartdealersalliance.org/ Art Basel Miami Beach https://www.artbasel.com/miami-beach Pace Gallery https://www.pacegallery.com/ Los Angeles Museum of Contemporary Art (MOCA) https://www.moca.org/ NYU Stern School of Business https://www.stern.nyu.edu/ San Francisco Art Institute (SFAI) https://sfai.edu/ SEC (U.S. Securities and Exchange Commission) https://www.sec.gov/ Enron (corporate reference) https://en.wikipedia.org/wiki/Enron Vancouver Art Gallery https://www.vanartgallery.bc.ca/ Pixar https://www.pixar.com/ Up (Pixar Film) https://www.imdb.com/title/tt1049413/ Inside Out (Pixar Film) https://www.imdb.com/title/tt2096673/ Soul (Pixar Film) https://www.imdb.com/title/tt2948372/ The Diving Bell and the Butterfly https://www.imdb.com/title/tt0401383/ John Wick https://www.imdb.com/title/tt2911666/

Episode #1260 vom 05.12.2025 Hier geht's zu unserem Wirtschaftskalender: https://www.amazon.de/Ohne-Aktien-Schwer-Wirtschaftskalender-Wirtschaftsgeschichten/dp/3430212111 Aktien hören ist gut. Aktien kaufen ist besser. Bei unserem Partner Scalable Capital geht's unbegrenzt per Trading-Flatrate und auf der hauseigenen European Investor Exchange, die genau auf Privatanleger zugeschnitten ist. Alle weiteren Infos gibt's hier: scalable.capital/oaws. Sparen & Börse war gestern eine gute Kombo. Bei Meta, bei Dollar General, bei Five Below. Autos und Börse auch super. UiPath & Börse ebenso. Ansonsten will Cambricon mehr Chips, was den Gründer reich macht. Kunden wollen immer mehr verschiedene Produkte. Sie wollen immer bessere Produkte. Sie wollen lokal produzierte Produkte. Intertek (WKN: 633526) profitiert. Vor 24 Jahren gab's die bis dahin größte Insolvenz ever. Kurz danach ist ein großer Wirtschaftsprüfer kollabiert. Und paar Jahre später war VW die wertvollste Firma der Welt. OAWS-Geschichtsstunde vor dem Adventswochenende. Diesen Podcast vom 05.12.2025, 3:00 Uhr stellt dir die Podstars GmbH (Noah Leidinger) zur Verfügung.

Back on this day in 2001 Enron filed for Chapter 11 Bankruptcy. KTAR Timeline is brought to you by Beatitudes Campus. 

Ed returns quickly after his last appearance to address Nvidia's apropos-of-almost-nothing reassurance to the world “by the way, we're not Enron.” Also, we read an article about probably one of the worst AI companies going. Get the whole episode on Patreon here!   TF Merch is still available here!   *MILO ALERT* Check out Milo's tour dates here: https://www.miloedwards.co.uk/liveshows Trashfuture are: Riley (@raaleh), Milo (@Milo_Edwards), Hussein (@HKesvani), Nate (@inthesedeserts), and November (@postoctobrist)

Andrew, Ben, and Tom discuss the potential Russia/Ukraine peace deal, Meta in talks to use Alphabet's TPUs, and Nvidia's "We're not Enron" memo.Song: Mountain Music - AlabamaFor information on how to join the Zoom calls live each morning at 8:30 EST, visit:https://www.narwhal.com/blog/daily-market-briefingsPlease see disclosures:https://www.narwhal.com/disclosure

Nine Mistakes Wealthy People Make Episode 359 – A few weeks ago we took an in-depth look at some of the things wealthy people understand that the rest of us tend to miss. Today, we'll take a look at the opposite: some financial mistakes that even wealthy people tend to make, and how we can help avoid them. More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 359 Hello, this is Bill Rainaldi, with another edition of Security Mutual's SML Planning Minute. In today's episode: nine mistakes wealthy people make. A few weeks ago, we took an in-depth look at some of the things affluent people understand that the rest of us seem to miss. But even successful, well-educated people do some dumb things. Today, we'll cover the exact opposite of what we did before: some financial mistakes that even wealthy people tend to make. Here are nine of them: Putting too much money into a single investment. Diversification is one of the cardinal rules of investing, but many wealthy people tend to break it. And it's understandable why. So many of the ultra-rich became that way by starting, or investing in, just one or a handful of companies. Elon Musk and Jeff Bezos are great examples of this. At some point, putting too much money into a single investment just creates unnecessary risk. Some employees at companies like Enron and Lehman Brothers put all their retirement savings in their company stock. It worked spectacularly—for a while—but it eventually became almost worthless in a very short time. [1] Very few investors enjoy the measure of success that Musk and Bezos experienced. They can be underinsured. It doesn't really matter how wealthy you are, people make mistakes with their insurance across the board. If you don't have enough homeowner's insurance, it could end up costing you millions if you live in a valuable home.[2] And if you're concerned about your children and grandchildren, life insurance can be an important and efficient way to transfer your wealth to future generations. They have too much personal real estate. Some wealthy people tend to have too many expensive homes in remote places that they rarely visit. And they can be a significant cash drain. If you don't use the place frequently, it may not be worth holding onto it. If you want to vacation in some unusual places, sometimes it may be better to rent.[3] Or if you insist on keeping the place, maybe you should consider renting it out when you're not using it. Trying to keep up with their peers. It's human nature, and the wealthy aren't exempt from keeping up with the Joneses. When we see our friends living it up, it tends to make us want to do the same. And if we're not careful, it could mean significantly less savings and too much debt.[4] Lack of liquidity. Private equity is all the rage these days, but there's a downside. Some people tend to be too optimistic when they buy into illiquid assets. The fact is that for a variety of reasons, most of them don't work out, even if it seems like a great idea. And if it doesn't work out, it can be a drag on your finances for years.[5] Fear of missing out, or “FOMO.” It seems that no one is exempt from this. Believe it or not, a recent study suggested that the wealthy are actually among the worst offenders.[6] Rich people may think they know better than the average investor. But they can be just as susceptible to media hype and/or greed. It pays to keep a long-term perspective and remember the fundamentals. Neglecting estate planning. What do Howard Hughes, Prince, Sonny Bono and Pablo Picasso have in common? They all died with a lot of money but without a will.[7] It seems that the wealthy should all have done at least some rudimentary estate planning. But that's not always the case.Whether you have a lot of money or not, you probably want to make sure it goes to the people or charitable organizations you care the most about. But if you don't have an estate plan, you give up your right to decide these things. And it's not just a will. It can be a succession plan for your business or an advance medical directive.[8] Lifestyle creep. There is a tendency among the wealthy: the more you make, the more you end up spending on things like travel, fancy meals and transportation. There are so many examples of people—such as Michael Jackson or Lindsay Lohan—who overdid it and paid the price later on. The truth is that it's easy to increase your lifestyle, but once you're there, it's much harder to bring it back down. If you're not careful, spending habits can become unsustainable for just about anybody.[9] Not understanding that wealth is about more than money. Newsflash: some of the richest people in the world are terribly unhappy. In the words of author Riley Clendenin, “True financial success isn't just about accumulating wealth—it's about using money as a tool to build a meaningful, balanced life. The smartest investors understand that their financial portfolio is only one part of their overall wealth, and they invest just as much in their health, personal growth, and happiness as they do in their bank accounts.”[10] The ultra-wealthy certainly have the benefit of a bigger cushion when they make a financial error. And they all make mistakes, some big, some little. But the rest of us can also learn something from the errors that wealthy people tend to make, and how to avoid them. [1] Clendenin, Riley. “Millionaire Blunders—13 Costly Mistakes Even Wealthy Investors Make.” Msn.com. https://www.msn.com/en-us/money/investment/millionaire-blunders-13-costly-mistakes-even-wealthy-investors-make/ss-AA1BaDTO#image=3 (accessed October 22, 2025). [2] Maranjian, Selena. “7 Financial and Retirement Mistakes Even the Wealthy Make.” fool.com. https://www.fool.com/retirement/2024/04/28/7-financial-mistakes-even-the-wealthy-make/ (accessed October 22, 2025). [3] Sergeant, Jacqueline. “The Mistakes Rich People Make–And How To Avoid Them.” www.fa-mag.com. https://www.fa-mag.com/news/how-to-avoid-these-common-mistakes-of-the-wealthy-83682.html (accessed October 22, 2025). [4] Maranjian, Selena. “7 Financial and Retirement Mistakes Even the Wealthy Make.” fool.com. https://www.fool.com/retirement/2024/04/28/7-financial-mistakes-even-the-wealthy-make/ (accessed October 22, 2025). [5] Sergeant, Jacqueline. “The Mistakes Rich People Make–And How To Avoid Them.” fa-mag.com. https://www.fa-mag.com/news/how-to-avoid-these-common-mistakes-of-the-wealthy-83682.html (accessed October 22, 2025). [6] Clendenin, Riley. “Millionaire Blunders—13 Costly Mistakes Even Wealthy Investors Make.” Msn.com. https://www.msn.com/en-us/money/investment/millionaire-blunders-13-costly-mistakes-even-wealthy-investors-make/ss-AA1BaDTO#image=3 (accessed October 22, 2025). [7] Phillips Erb, Kelly. “17 Famous People Who Died Without A Will.” Forbes.com. https://www.forbes.com/sites/kellyphillipserb/2016/04/27/17-famous-people-who-died-without-a-will/ accessed October 22, 2025). [8] Maranjian, Selena. “7 Financial and Retirement Mistakes Even the Wealthy Make.” fool.com. https://www.fool.com/retirement/2024/04/28/7-financial-mistakes-even-the-wealthy-make/ (accessed October 22, 2025). [9] Sergeant, Jacqueline. “The Mistakes Rich People Make–And How To Avoid Them.” fa-mag.com. https://www.fa-mag.com/news/how-to-avoid-these-common-mistakes-of-the-wealthy-83682.html (accessed October 22, 2025). [10] Clendenin, Riley. “Millionaire Blunders—13 Costly Mistakes Even Wealthy Investors Make.” Msn.com. https://www.msn.com/en-us/money/investment/millionaire-blunders-13-costly-mistakes-even-wealthy-investors-make/ss-AA1BaDTO#image=3 (accessed October 22, 2025). More SML Planning Minute Podcast Episodes This podcast is brought to you by Security Mutual Life Insurance Company of New York, The Company That Cares®. The content provided is intended for educational and informational purposes only. Information is provided in good faith. However, the Company makes no representation or warranty of any kind regarding the accuracy, reliability, or completeness of the information. The information presented is designed to provide general information regarding the subject matter covered. It is not to serve as legal, tax or other financial advice related to individual situations, because each individual's legal, tax and financial situation is different. Specific advice needs to be tailored to your situation. Therefore, please consult with your own attorney, tax professional and/or other advisors regarding your specific situation. To help reach your goals, you need a skilled professional by your side. Contact your local Security Mutual life insurance advisor today. As part of the planning process, he or she will coordinate with your other advisors as needed to help you achieve your financial goals and objectives. For more information, visit us at SMLNY.com/SMLPodcast. If you've enjoyed this podcast, tell your friends about it. And be sure to give us a five-star review. And check us out on LinkedIn, YouTube and Twitter. Thanks for listening, and we'll talk to you next time. Tax laws are complex and subject to change. The information presented is based on current interpretation of the laws. Neither Security Mutual nor its agents are permitted to provide tax or legal advice. The applicability of any strategy discussed is dependent upon the particular facts and circumstances. Results may vary, and products and services discussed may not be appropriate for all situations. Each person's needs, objectives and financial circumstances are different, and must be reviewed and analyzed independently. We encourage individuals to seek personalized advice from a qualified Security Mutual life insurance advisor regarding their personal needs, objectives, and financial circumstances. Insurance products are issued by Security Mutual Life Insurance Company of New York, Binghamton, New York. Product availability and features may vary by state.​ SubscribeApple PodcastsSpotifyAndroidPandoraBlubrryby EmailTuneInDeezerRSSMore Subscribe Options

FinTech Flo is back! Our top stories...The AI bubble is here, and the circular funding schemes look eerily similar to Enron. Plus: How an NBA executive allegedly stole $3.8 MILLION right under everyone's nose.

“Predictions are hard,” Yogi Berra once quipped, “especially about the future”. Yes they are. But in today's AI boom/bubble, how exactly can we predict the future? According to Silicon Valley venture capitalist Aman Verjee, access to the future lies in the past. In his new book, A Brief History of Financial Bubbles, Verjee looks at history - particularly the 17th century Dutch tulip mania and the railway mania of 19th century England - to make sense of today's tech economics. So what does history teach us about the current AI exuberance: boom or bubble? The Stanford and Harvard-educated Verjee, a member of the PayPal Mafia who wrote the company's first business plan with Peter Thiel, and who now runs his own venture fund, brings both historical perspective and insider experience to this multi-trillion-dollar question. Today's market is overheated, the VC warns, but it's more nuanced than 1999. The MAG-7 companies are genuinely profitable, unlike the dotcom darlings. Nvidia isn't Cisco. Yet “lazy circularity” in AI deal-making and pre-seed valuations hitting $50 million suggests traditional symptoms of irrational exuberance are returning. Even Yogi Berra might predict that. * Every bubble has believers who insist “this time is different” - and sometimes they're right. Verjee argues that the 1999 dotcom bubble actually created lasting value through companies like Amazon, PayPal, and the infrastructure that powered the next two decades of growth. But the concurrent telecom bubble destroyed far more wealth through outright fraud at companies like Enron and WorldCom.* Bubbles always occur in the world's richest country during periods of unchallenged hegemony. Britain dominated globally during its 1840s railway mania. America was the sole superpower during the dotcom boom. Today's AI frenzy coincides with American technological dominance - but also with a genuine rival in China, making this bubble fundamentally different from its predecessors.* The current market shows dangerous signs but isn't 1999. Unlike the dotcom era when 99% of fiber optic cable laid was “dark” (unused), Nvidia could double GPU production and still sell every chip. The MAG-7 trade at 27-29 times earnings versus the S&P 500's 70x multiple in 2000. Real profitability matters - but $50 million pre-seed valuations and circular revenue deals between AI companies echo familiar patterns of excess.* Government intervention in markets rarely ends well. Verjee warns against America adopting an industrial policy of “picking winners” - pointing to Japan's 1980s bubble as a cautionary tale. Thirty-five years after its collapse, Japan's GDP per capita remains unchanged. OpenAI is not too big to fail, and shouldn't be treated as such.* Immigration fuels American innovation - full stop. When anti-H1B voices argue for restricting skilled immigration, Verjee points to the counter-evidence: Elon Musk, Sergey Brin, Sundar Pichai, Satya Nadella, Max Levchin, and himself - all H1B visa holders who created millions of American jobs and trillions in shareholder value. Closing that pipeline would be economically suicidal.Keen On America is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit keenon.substack.com/subscribe

Cam and Dylan are back in the lab spreading talking about one of Jim Carrey's most underrated chaos-fests Fun with Dick and Jane! In this episode, they dive deep into the 2005 comedy where Dick (Carrey) and his wife Jane (Téa Leoni) go from suburban comfort to full-blown heist mode after losing everything thanks to a corrupt company. It's Breaking Bad meets Office Space — but with way more mugging to the camera and less meth. The guys break down the film's wild tone shifts, that early-2000s corporate satire energy, and the pure unhinged joy of watching Jim Carrey rob a bank in a ski mask while grinning like a cartoon character. Expect jokes, nostalgic takes, and a few “what would you do if Enron stole your 401(k)?” moments. By the end, you'll either be ready to rewatch the movie… or start your own Bonnie & Clyde reboot called HR & Payroll. Wanna ask us something?!? Hit us up at Xtrabutta@gmail.com or our Instagram https://instagram.com/xtrabuttapodcast?igshid=YmMyMTA2M2Y=

Elected officials face huge challenges when it comes to energy policymaking. They have very little time to learn complicated, nuanced issues. They're bombarded by information — some of it from organizations that are tightly aligned with ideological or political movements.  Whether it's from industry or civil society, the information policymakers receive, even if accurate, can often come with an agenda. Plus, translating academic research into policy comes with its own challenges. All of this makes building energy policy based on independent, trusted expertise difficult, especially in a time of deep partisanship.  So how can evidence and analysis best be used to design and build good energy policy? How can philanthropy drive innovative solutions to pressing challenges, like the energy transition? Where are the disconnects between high-quality research and thoughtful policymaking, and how can those efforts be bridged? This week, Jason Bordoff speaks with John Arnold about the hurdles and opportunities for building energy infrastructure and the power of evidence-based policymaking. John Arnold is co-founder and co-chair of Arnold Ventures, a philanthropic organization that supports initiatives in a range of sectors. He is also co-founder of Grid United, which develops high-voltage transmission projects. Previously, John was the CEO of Centaurus Energy. He started his career at Enron, where he oversaw the trading of natural gas derivatives. John is also an advisory board member at the Columbia Center on Global Energy Policy, and serves on the board of other organizations, including Meta. Credits: Hosted by Jason Bordoff and Bill Loveless. Produced by Mary Catherine O'Connor, Caroline Pitman, and Kyu Lee. Engineering by Gregory Vilfranc.  

Democrats, with the help of President Trump, are trying to goad Republicans into getting rid of the filibuster. Plus, AI might be headed the way of Enron.

TJ Rylander, general partner at N47 is exploring the next frontier of artificial intelligence: the physical world. Rylander explains how companies like Luminary Cloud are revolutionizing engineering by merging AI with physics, enabling designers to test and refine aircraft or cars virtually in days instead of months. He also shares how Skydio's autonomous drones, once aimed at consumers, are now helping first responders and the military. Along the way, Rylander reflects on his early career at Enron, his time investing for the CIA's In-Q-Tel, and his passion project on the board of one of America's oldest summer camps—where he says lessons in leadership and “doing your fair share of the work” still guide him today. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Chrystina Howard, the ERM Leader of the Complex Risk Practice at HUB International. Chrystina relates a bit of her career and then explores topics around emerging disruptions such as climate change and extreme weather, geopolitical whiplash, the pandemic, and AI. Chrystina shares her recipe for organizational resilience and some tips for catching and holding the attention of the C-Suite and the board.   Listen for hints about Chrystina's upcoming webinar and her presentation on November 17th at the RIMS ERM Conference 2025 in Seattle, Washington.   Key Takeaways: [:01] About RIMS and RIMScast. [:14] The RIMS CRO Certificate Program in Advanced Enterprise Risk Management is our live virtual program led by the famous James Lam. Great news! A third cohort has been announced, from January through March 2026. [:32] Registration closes January 5th. Enroll now! A link is in this episode's show notes. [:43] About this episode of RIMScast. We will talk all about ERM with Chrystina Howard, ERM Leader of the Complex Risk Practice at HUB International. But first… [1:10] RIMS-CRMP Prep Workshops! The CBCP and the RIMS-CRMP are presenting The Exam Prep Bootcamp for "Mastering Business Continuity and Risk Management" from November 3rd to 6th. That is a virtual course. [1:23] The next RIMS-CRMP-FED Virtual Workshop will be held on November 11th and 12th and led by Joseph Mayo. Links to these courses can be found through the Certifications page of RIMS.org and through this episode's show notes. [1:40] RIMS Virtual Workshops! RIMS has launched a new course, "Intro to ERM for Senior Leaders." It will be held again on November 4th and 5th and will be led by Elise Farnham. [1:54] On November 11th and 12th, Chris Hansen will lead "Fundamentals of Insurance". It features everything you've always wanted to know about insurance but were afraid to ask. Fear not; ask Chris Hansen! RIMS members always enjoy deep discounts on the virtual workshops! [2:13] The full schedule of virtual workshops can be found on the RIMS.org/education and RIMS.org/education/online-learning pages. A link is also in this episode's notes. [2:24] RIMS Webinars! On October 30th, Swiss Re will present "Parametric Insurance: Providing Financial Certainty in Uncertain Times". On November 6th, HUB will present "Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World". [2:45] Register at RIMS.org/Webinars. [2:48] The RIMS ERM Conference 2025 will be on November 17th and 18th in Seattle, Washington. [2:56] If you are a Washington resident who would like to attend, you can enjoy an exclusive $150 discount on your registration by entering the discount code ERM2025WA on the Review step of the registration form. Act quickly because this offer expires on Friday, October 31st. [3:18] This is your chance to expand your ERM knowledge, here in Washington. That brings us to today's guest, Chrystina Howard. Chrystina is the ERM Leader of the Complex Risk Practice at HUB International, and she will be one of the presenters at the RIMS ERM Conference in Seattle. [3:39] On November 17th, she will present "Talk ERM to Me: How to Get and Keep Attention from Management." On November 6th, she will be moderating the HUB International Webinar "Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World." [3:59] Registration links for the conference and the webinar are in this episode's show notes. [4:04] On with the show! We're all about ERM in this episode, and I wanted to give you all a chance to get to know Chrystina a little bit, in case you want to meet with her virtually, in person, or both. Let's get to it! [4:14] Interview! Chrystina Howard, welcome to RIMScast! [4:22] We will see more of Chrystina soon, on November 17th and 18th, in Seattle, Washington, at the RIMS ERM Conference 2025. We're going to talk more about that in a bit. [4:39] Chrystina Howard spent a couple of decades with the Willis Towers Watson organization, where she looked after ERM consulting. She built out a platform and rolled it out, that is still going strong globally. [4:53] Chrystina says she was fortunate to come to the HUB International organization, with a great culture, where she kick-started an ERM Consulting Division. She's having a blast, helping clients get what they need in terms of risk management. [5:14] Chrystina says that when building the ERM Consultancy, she had a lot of great folks to work with and two decades under her belt of developing processes and models. She was set to go as soon as she arrived at HUB. [5:31] Chrystina says they have great specialization, and she is able to get into a lot of industry risk information that she may not have known, to build out the breadth of the consultancy. She helps people learn what ERM is, how it's used, how it works, and why people are interested in it. [5:53] Chrystina says, We're just guns blazing, now! [6:09] Chrystina says geopolitical risks are definitely at the forefront for organizations. This includes economic volatility around the globe, tariffs, and import/export regulations between countries, that will call the shots for some time.  [6:27] Chrystina says right along with geopolitical risks will be the effective use of AI. There are security concerns with AI. Some people are not comfortable with it. We're moving into a phase where we've got to put AI to work for us. How can we do that effectively and securely? [6:44] Chrystina says a lot of industries will have staffing challenges, particularly skilled workers. It will hit the healthcare industry pretty hard, along with agriculture, and construction. [6:58] Chrystina says she is seeing a bit of a resurgence in ESG risks. Despite the regulatory environment, people are keen to make sure that companies are being good environmental stewards, treating employees fairly, and behaving as the public thinks is appropriate. [7:41] AI will make data compilation and claims processing faster. Chrystina has been reading of physicians and medical practitioners using AI as a background double-check when they're working toward a diagnosis. [7:58] With its access to information, AI might ask, Your diagnosis is probably right, but did you consider this? We hope this will enhance the diagnostic process, and not take over. [8:11] There is a concern that there's pressure to use AI tools because your colleagues are using them. If you rely on it too much, that can also backfire. We're going to have to strike a balance. [8:40] Chrystina is an optimist when it comes to AI. AI tools can make shorter work of a lot of things in ERM, like scenario analysis; having a tool that will allow you to see multiple scenarios that maybe individuals couldn't come up with on their own, and make decisions from them. [9:06] Chrystina mentions automation for reporting and metric updates. Successful organizations that have the resources can use AI in ERM training, policy updates, and even collecting information through surveys and interviews. [9:23] Enhancing dashboards is a big focus going forward, getting a robust database that gives alerts and keeps everybody up to date. [9:35] Justin mentions crises of the past few years. The Baltimore Key Bridge collapsed a year ago, and we don't hear about it anymore. Justin asks, How can ERM leaders keep resilience and risk appetite aligned with long-term strategy, rather than reactive short-term fixes. [10:00] Chrystina thinks ERM, by nature, is focused on preparation and then response. It takes into account "left of loss." Before the incident occurs, how can we prepare ourselves the best and implement plans should something happen?  [10:16] Chrystina has seen organizations widely embrace ERM more readily following the successful navigation of crises. [10:24] It would behoove ERM leaders to seize that opportunity and make a great connection between the protection and preparation that ERM brought through the crisis to the strategic success of the organization. [10:40] ERM leaders may have to campaign a little bit still, but it's something they can point out to executives, and the selling of ERM will be a lot easier. [10:53] Quick Break! RISKWORLD 2026 will be in Philadelphia, Pennsylvania, from May 3rd through the 6th. RIMS members can now lock in the 2025 rate for a full conference pass to RISKWORLD 2026 when you register by October 30th! [11:12] This also lets you enjoy earlier access to the RISKWORLD hotel block. Register by October 30th, and you will also be entered to win a $500 raffle! Do not miss out on this chance to plan and score some of these extra perks! [11:26] The members-only registration link is in this episode's show notes. If you are not yet a member, this is the time to join us! Visit RIMS.org/Membership and build your network with us here at RIMS! [11:37] Save the dates March 18th and 19th, 2026, for The RIMS Legislative Summit, which will be held in Washington, D.C. [11:46] Join us in Washington, D.C., for two days of Congressional Meetings, networking, and advocating on behalf of the risk management community. Visit RIMS.org/Advocacy for more information and updates and to register. [12:02] Let's return to our interview with Chrystina Howard! [12:08] Chrystina Howard is the ERM Leader of the Complex Risk Practice at Hub International. Justin asks Chrystina about ERM leaders needing to campaign. Chrystina is one of the featured presenters at the RIMS ERM Conference 2025 in Seattle, Washington, November 17th and 18th. [12:58] Chrystina's foundational session is called "Talk ERM to Me: How to Get and Keep Attention from Management." It is a solo session. She likes to be at the controls! [14:09] Chrystina says speaking about risk to management is a perennial struggle. One of the top questions she gets is how to translate ERM for the C-Suite so they understand the value of the work. [14:21] As risk management professionals, we often get excited about details that might not capture management's attention. [14:29] We have to think about things from the perspective of a CEO and a CFO. What things are important to them? What are they keeping an eye on? How does this relate to the bottom line? Connect those things. Connect risk management to strategy. [14:45] Demonstrate how the protection and preparation of things like Enterprise Risk Management support the execution of corporate strategy. When you're talking to the C-Suite, you've got to hit the high points, quick, like an elevator speech. [15:00] Link positive impacts of risk management to things that the C-Suite is focused on. Grab attention with things that are on their minds, like growth, M&A, performance volatility, how we're doing in the market, how these things play out, and how to help minimize volatility. [15:20] Chrystina says we see a lot of interest from private equity in the strategic business practice of ERM. That's a good thing for risk professionals to keep in mind as they campaign for ERM. There are other people who are keen to know about it. [15:48] ERM gets alerts about negative trends, but it's important to keep the positive news coming too about how they helped create a solution, minimize a threat, and protected the organization so that operations can continue and the strategy can go forward. [16:33] Chrystina says Streamline things. She approaches ERM from a practical and realistic perspective. She doesn't like a lot of jargon or a lot of metrics. She likes simple, streamlined stuff that everybody can get on board with. [16:51] Chrystina tells people, Don't boil the ocean. Participants and risk owners are going to get bogged down if they've got too many things to keep track of. Set up tiers of risks. Start at the top. What can we affect over the next year or two years? [17:10] Keep it practical and realistic. Limit the amount of information you collect. If you start adding different metrics and definitions, that can be a slippery slope. You have to train people how to do it. They have to remember what it's supposed to be. And there are updates to fill out! [17:33] Think about how often you're asking people to update. Every so often, have a blank-sheet risk assessment. Limit how often you do updates throughout the year. [18:14] Reporting intervals should be more than twice a year. Strict ERM practitioners are going to be monitoring risks and looking at the dashboard and the risk register, preparing all the time to report to management. [18:34] Risk owners are an important source of information. All of those folks already have a job; maybe a job and a half. We have to be careful about how we engage them so that we get robust information and we don't overwhelm them. [18:50] When we do updates, they should be limited but powerful. These are the big things that you want executives to know about. Once a year, when you do your board presentation, tell them these things are going great and you want to update them on these other things. Keep it simple. [19:19] One Final Break! As many of you know, the RIMS ERM Conference 2025 will be held on November 17th and 18th in Seattle, Washington. We recently had ERM Conference Keynote Speaker Dan Chuparkoff on the show. [19:36] He is back, just to deliver a quick message about what you can expect from his keynote on "AI and the Future of Risk." Dan, welcome back to RIMScast! [19:47] Dan says, Greetings, RIMS members and the global risk community! I'm Dan Chuparkoff, AI expert and the CEO of Reinvention Labs. I'm delighted to be your opening keynote on November 17th, at the RIMS ERM Conference 2025 in Seattle, Washington. [20:02] Artificial Intelligence is fueling the next era of work, productivity, and innovation. There are challenges in navigating anything new. This is especially true for risk management, as enterprises adapt to shifting global policies, economic swings, and a new generation of talent. [20:20] We'll have a realistic discussion about the challenges of preparing for the future of AI. To learn more about my keynote, "AI and the Future of Risk Management," and how AI will impact Enterprise Risk Management for you, listen to my episode of RIMScast at RIMS.org/Dan. [20:39] Be sure to register for the RIMS ERM Conference 2025, in Seattle, Washington, on November 17th and 18th, by visiting the Events page on RIMS.org. I look forward to seeing you all there. [20:50] Justin thanks Dan and looks forward to seeing him again on November 17th and hearing all about the future of AI and risk management! [20:58] Let's Conclude Our Interview with Chrystina Howard! [21:05] Justin reminds the listeners, Before we get to see Chrystina live at the ERM Conference 2025, she will be moderating a RIMS Webinar sponsored by HUB, titled "Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World." [21:23] Chrystina says everyone is talking about this, and she's excited to get some great experts about it on the line. Justin notes that over the past few years, geopolitical volatility has intensified with trade wars, sanctions, and supply chain disruption. [21:54] Chrystina says there are so many, and they are interrelated. In conflict areas, everything gets turned upside-down. On a global basis, the U.S. economy has broad-reaching impacts. She would keep an eye on import/export trends. This global trade issue is so volatile and dynamic. [22:22] You cannot sleep on the changing regulations around the world. An important subset related to global trade is increasing requirements for in-country hiring and procurement. That will affect a lot of people with respect to where we grow things and get raw materials and tech. [22:51] Chrystina doesn't think we've seen the end of supply chain disruption. She mentions extreme weather from climate change. A large component of the outcome of climate change is energy security. She doesn't think we're clear of pandemics, either. [23:11] Justin says Hilary Tuttle, Editor of RIMS Risk Management magazine, told him something a year ago that has stayed with him. "We're not in post-pandemic anymore. We're in post-height-of-the-pandemic." It's still here. It's never going away. [24:11] Chrystina says there is no substitute for local knowledge and experience. The best way to approach a Global ERM Program across all of your jurisdictions is for ERM leaders to have deputies in each of the jurisdictions. [24:30] These deputies should have a very keen sense of the landscape in their region in terms of policy, risk, interactions, and trade, as well as an understanding of the big picture across the global organization. [24:46] Those people will be key to develop in all of your locations to support the ERM function. They have a job. It doesn't mean hiring extra staff. You can generally find people with that level of expertise locally, with a good understanding of the big picture, within your existing personnel. [25:15] Making that connection with individuals who know exactly what's happening there on the ground is crucial. Chrystina says that is the very best solution. [25:49] Chrystina says there are a number of stakeholders for any organization, internal and external. Chrystina is seeing favorable views from insurers toward companies and organizations that have implemented ERM globally. [26:07] Other key stakeholders also want assurances that there are plans in place to protect them. This goes back to the inception of ERM when there was serious mismanagement at companies like WorldCom and Enron. [26:23] Everybody's board was asking who's minding the store? This isn't going to happen to us, right? [26:27] All of this risk is ultimately going to roll up to your reputation. That's difficult but not impossible to quantify. You can demonstrate how ERM plans address global threats in an anecdotal fashion. That will communicate real value and put people's minds at ease. [26:52] You can do that in a country-specific way with partners in the countries to communicate the nuances, and give you information about how things work in there, why the risk is a problem, what are the drivers, what are the vulnerabilities, and how might this take place? [27:19] That session will be on November 6th. Chrystina will moderate it with Eric Howie, the Vice President for Complex Risk in Canada, and Will Mule, Global Risk Solutions Practice Leader for HUB. For that session, Chrystina asks listeners to send in their questions ahead of time. [28:00] The links to both the ERM Conference 2025 and the Webinar, "Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World," are in this episode's show notes. [28:12] Chrystina, it's been lovely to see you again. I can't wait to see you virtually and in person. [28:21] Special thanks again to Chrystina Howard for joining us. Remember to register for the HUB November 6th Webinar, "Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World," that she will be moderating. [28:32] On November 17th, Chrystina will be hosting the session, "Talk ERM to Me" (but she'll be talking to you), at the RIMS ERM Conference 2025! Registration links for the Webinar and for the RIMS ERM Conference 2025 are in this episode's show notes. [28:51] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [28:19] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [28:38] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [28:55] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [30:12] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [30:26] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [30:38] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RIMS ERM Conference 2025 — Nov. 17‒18 Washington Residents — Enjoy $150 off ERM Conference Registration through Oct. 31! "RIMS-CRO Certificate Program In Advanced Enterprise Risk Management" | Jan‒March 2026 Cohort | Led by James Lam RISK PAC | RIMS Advocacy | RIMS Legislative Summit SAVE THE DATE — March 18‒19, 2026 RISKWORLD 2026 — Members-only early registration through Oct 30! LAST DAYS! RIMS-Certified Risk Management Professional (RIMS-CRMP) The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS Risk Management magazine | Contribute RIMS Now RIMS Professional Report: "Understanding Interconnected Risks" Upcoming RIMS Webinars: RIMS.org/Webinars "Parametric Insurance: Providing Financial Certainty in Uncertain Times" | Oct. 30, 2025 | Sponsored by Swiss Re "Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World" | Nov. 6 | Sponsored by Hub   Upcoming RIMS-CRMP Prep Virtual Workshops: CBCP & RIMS-CRMP Exam Prep Bootcamp: "Mastering Business Continuity & Risk Management" | November 3‒6, 2025 "RIMS-CRMP-FED Exam Prep Virtual Workshop" — November 11‒12 Full RIMS-CRMP Prep Course Schedule "Intro to ERM for Senior Leaders" | Nov. 4‒5 | Instructor: Elise Farnham "Fundamentals of Insurance" | Nov. 11‒12 | Instructor: Chris Hansen "Leveraging Data and Analytics for Continuous Risk Management (Part I)" | Dec 4. See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops   Related RIMScast Episodes about ERM: "AI and the Future of Risk with Dan Chuparkoff" (RIMS ERM Conference Keynote) "Shawn Punancy of Delta Flies High With ERM" "Tom Brandt on Growing Your Career and Organization with ERM" "James Lam on ERM, Strategy, and the Modern CRO" "ERM, Retail, and Risk with Jeff Strege" "Bigger Risks with the Texas State Office of Risk Management" | Sponsored By Hillwood "ERMotivation with Carrie Frandsen, RIMS-CRMP" "Live from the ERM Conference 2024 in Boston!" "Risk Quantification Through Value-Based Frameworks"   Sponsored RIMScast Episodes: "Mastering ERM: Leveraging Internal and External Risk Factors" | Sponsored by Diligent (New!) "Cyberrisk: Preparing Beyond 2025" | Sponsored by Alliant (New!) "The New Reality of Risk Engineering: From Code Compliance to Resilience" | Sponsored by AXA XL "Change Management: AI's Role in Loss Control and Property Insurance" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Demystifying Multinational Fronting Insurance Programs" | Sponsored by Zurich "Understanding Third-Party Litigation Funding" | Sponsored by Zurich "What Risk Managers Can Learn From School Shootings" | Sponsored by Merrill Herzog "Simplifying the Challenges of OSHA Recordkeeping" | Sponsored by Medcor "Risk Management in a Changing World: A Deep Dive into AXA's 2024 Future Risks Report" | Sponsored by AXA XL "How Insurance Builds Resilience Against An Active Assailant Attack" | Sponsored by Merrill Herzog "Third-Party and Cyber Risk Management Tips" | Sponsored by Alliant   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Kristen Peed!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: Chrystina Howard, ERM Leader, Complex Risk Practice, HUB International   Production and engineering provided by Podfly.  

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Financial ratios are the essential shorthand analysts use to distill massive financial statements into actionable insights. In this episode of Corporate Finance Explained on FinPod, we go beyond academic definitions to explore how ratios reveal a company's true story, measuring performance, efficiency, and existential risk.We examine four pillars of analysis and use contrasting examples, such as Apple vs. Dell, Walmart, Netflix, and the catastrophic failure of Enron, to illustrate how to identify red flags and assess the quality of a business.This episode covers:The Four Pillars of Analysis: Liquidity, Profitability, Leverage, and Efficiency, and why they are the strategic dials that CEOs and CFOs constantly turn.Liquidity Secrets: Why a low current ratio is a sign of strength for an efficient company like Walmart (operating on negative working capital), but a red flag for almost everyone else.The Profitability Contrast: Why Apple competes on premium margin while Dell competes on volume, and how different strategies play out in Operating Margin and Return on Assets (ROA).The Misleading Metrics: Why the P/E ratio is often overrated and why Return on Equity (ROE) can be misleading, masking high risk—and how the DuPont Framework is essential for determining the quality of that return.Leverage & Strategy: The high-risk, high-reward strategy of Netflix using high debt to fund content growth (strategic leverage) versus the structural leverage profile of Dell.The Enron Lesson: The ultimate warning. How the cash flow statement and leverage ratios exposed the fraud, proving that a beautiful income statement means nothing if the underlying cash flow is telling a darker story.

How do we raise the next generation to be financially wise in a world obsessed with “getting rich quick”? In this episode, Lance Roberts sits down with financial writer Benjamin Gran to discuss the right way to teach children about money, work, and investing. From saving before investing, to understanding the true value of work, and avoiding the pitfalls of speculative frenzies — we cover everything from Enron and Kozmo.com to the meme-stock craze and the AI hype cycle on Wall Street. Benjamin and Lance break down how to build long-term investing habits that last, why risk management and time horizons matter more than “hot tips,” and how classic investing wisdom from John Bogle, Warren Buffett, and Charlie Munger still applies today. You'll also hear how parents can instill financial literacy and responsibility early — through chores, jobs, and saving — not just allowances and apps. The real secret? Teaching kids that saving money feels as good as spending it, and that success is built on work ethic, patience, and purpose.

We begin today's show with a roundup of news on Senate negotiations over the government shutdown, as well as the news of Trump deploying troops to Israel to promote aid for Islamic nutcases. Next, we're joined by Brian Jacobson, an expert in training with AI LLMs, for a long discussion about the unsustainable pursuit of “artificial general intelligence.”   He explains how cloud-based AI chatbots are barely bringing in revenue and relying on Enron-style accounting to push a massive bubble without creating external revenue. He also debunks the talking points about data centers being the key to rivalling China and the notion that we are on the cusp of deploying new nuclear technology that can power this bubble. Finally, we discuss the difference between narrow-tailored AI, which is beneficial, profitable, and a useful pursuit, vs. artificial general intelligence, which relies on data centers and other painful “investments.” Brian also explains how we are nowhere near achieving AGI because God's human brain invention is a lot more complicated than we even realize.   Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us a textThis week on The Wall Street Skinny, we kick off discussing gold ripping to record highs and unpack why that's happening in a still-high-rate world: sticky inflation keeping real yields muted, central-bank buying, safe-haven demand, and a dash of retail frenzy. We also poke holes in the “25/25/25/25” portfolio meme (equities/bonds/cash/gold) and talk through why allocation can't be one-size-fits-all—age, goals, and cash-flow needs matter.Then we dive into First Brands' Chapter 11 and the alleged “Enron-style” shenanigans behind $2.3B of vanishing assets. We explain collateral, receivables/inventory financing, why overlapping pledges are a five-alarm fire, and who's exposed (private credit funds at Street names like Jefferies and UBS get a mention). Bigger picture: what this says about today's credit boom, looser covenants, and why fraud tends to surface when the cycle turns—plus what two auto-related bankruptcies might signal about the consumer/auto complex.We also decode that viral “Ferrari-loving trader” headline: how a naked short in long bonds around the COVID shock morphed into an 11,000-to-1 leverage debacle and ~$250mm in Street losses—complete with a plain-English walk-through of bond shorting, repo, and settlement. Finally, we react to the Centerview analyst lawsuit over sleep accommodations and the perennial debate over banking culture, expectations, and realistic boundaries. Stick around for what's next: a Distressed Debt 101 primer in November and a packed slate of heavyweight guests.For a 14 day FREE Trial of Macabacus, click HERE Access the free replay of the Masterclass here!Presale access for our newly launched Fixed Income self-paced course here: https://thewallstreetskinny.com/fixed-income-sales-trading-investing/#fixed-income-sales For 20% off Deleteme, use the code TWSS or click the link HERE! Sign up for our LIVE Virtual Bootcamps! 2-Day Financial Modeling Bootcamp Master the technical Excel and accounting skills essential for investment banking, private equity, and fundamental investing. (Learn more HERE) Global Markets & Investing PlaybookA one-day crash course on the financial ecosystem, perfect for anyone seeking a big-picture understanding of how global markets and Wall Street fit together. Our content is for informational purposes only. You should not construe any such information or other material as legal, tax, investment, financial, or other advice. (Learn more HERE)

Danielle DiMartino Booth, CEO and Chief Strategist at QI Research, joins Julia La Roche in-studio following the Fed minutes. In this episode, DiMartino Booth highlights how the Fed quietly reclassified nearly $300 billion in loans on a Friday afternoon with no comment, shifting them from stodgy commercial categories into the "black box" of non-depository financial institution (NDFI) lending now totaling $1.7 trillion. She draws parallels to Enron as First Brands bankruptcy exposes what appeared to be an auto supplier was actually a financial using off-balance sheet vehicles, with subprime delinquency rates likely double reported figures. Elsewhere, Booth warns youth unemployment hit 1988 levels but from lack of demand not supply as companies blindly adopt AI without hiring, leaving the Class of 2025 worse off than 2024. She argues gold has become a "meme stock" with Wall Street firms' price targets signaling contrarian risk, while the government shutdown leaves the Fed "flying blind" without official data for their October 29th meeting.Sponsors: Monetary Metals: https://monetary-metals.com/julia⁠ Links: Danielle's Twitter/X: https://twitter.com/dimartinobooth Substack: https://dimartinobooth.substack.com/ YouTube: https://www.youtube.com/@DanielleDiMartinoBoothQIFed Up: https://www.amazon.com/Fed-Up-Insiders-Federal-Reserve/dp/07352116550:00 Hawkish Fed minutes - knife in Miran's back1:44 Fed insider on Miran controversy2:48 Did Fed want September cut?5:08 Shutdown means Fed flying blind October6:04 Gold and NASDAQ flying - unusual7:03 Gold as meme stock - contrarian warning9:50 NDFI loans - $1.7 trillion black box12:21 $250B loan reclassification bombshell13:14 Fed reclassified quietly on Friday14:17 First brands like Enron revelation16:21 Off balance sheet financing returns18:25 Subprime delinquencies likely double20:15 Is this systemic? Fed doesn't know21:28 Fed won't move without official data22:22 Challenger data horror at Fed24:52 Charts need gray recession bars25:12 Fed put born October 198727:32 Youth unemployment demand crisis30:02 AI adoption without hiring32:24 Parents worry kids made redundant33:20 First five years determine career35:48 Not sending kids to college37:11 Put faces on repo statistics38:47 Markets masking K economy39:01 Lowercase i economy concept

I am a customer of Bull Market Gifts, and when I spend time on their website, I'm hooked and have a difficult time leaving.Last year, I purchased some vintage annual reports, and I bought another before I interviewed the co-founder and owner of this niche retailer.Their product offering also includes old stock certificates and a deep assortment of New York Stock Exchange memorabilia. During this conversation with Mike Oaklief, you will hear about Gordon Gekko, Enron's Code of Ethics, and a story about an American Exchange stock certificate that can be yours for more than $3,000.

In this episode of the Great Trials Podcast, hosts Steve Lowry and Yvonne Godfrey sit down with Jim Tuxbury from Hinckley, Allen and Snyder to discuss the landmark Sarbanes-Oxley whistleblower retaliation case of Carlos Domenech vs. Terraform Power and Terraform Global. Case Details: Hinckley Allen secured a historic victory with a $34.5 million recovery in favor of its client, Carlos Domenech Zornoza (Mr. Domenech), marking the culmination of a nine-year legal battle. This is the largest documented recovery for a Sarbanes-Oxley whistleblower retaliation claim since the statute was enacted in 2005 following the Enron scandal. (More details on the case) Guest Bio: Jim Tuxbury Jim is a partner and trial lawyer in our litigation practice, focusing primarily on complex commercial business disputes and securities litigation, as well as product liability, white-collar defense, and government investigations. As a trial lawyer, Jim has litigated and tried cases in state and federal court in Massachusetts and throughout the country. Recently, Jim prevailed in the trial of a Sarbanes Oxley Whistleblower case on behalf of the former CEO of Terraform Power Inc. and Terraform Global, Inc. and obtained a $34.5 million recovery for his client after the Court found the defendants were liable for unlawfully terminating their former CEO in retaliation for his whistleblowing activities. Read Full Bio CONNECT WITH OUR GUEST: Jim Tuxbury on LinkedIn LISTEN TO PREVIOUS EPISODES & MEET THE TEAM: Great Trials Podcast Show Sponsors: Legal Technology Services  Harris Lowry Manton LLP - hlmlawfirm.com Production Team: Dee Daniels Media Podcast Production   Free Resources: Stages Of A Jury Trial - Part 1 Stages Of A Jury Trial - Part 2

What if time wasn't fixed, but something you could stretch, compress, and reframe? In this episode of Leveraging Thought Leadership, host Bill Sherman sits down with John Coyle—Olympian, design thinking expert, and author of "Design for Strengths". John has spent his life chasing the meaning of time, from hundredths of a second on the ice to decades in thought leadership. His work asks us to reconsider not just how much time we have, but how we experience it. John shares how fleeting moments can reset the trajectory of our lives—an insight that came from his Olympic journey where fractions of a second separate gold from "first loser". He explains the Greek distinction between Chronos (clock time) and Kairos (human, transformative time) and why organizations and leaders need to design for the moments that truly matter. We explore John's unique career path—from competing alongside Lance Armstrong and working with Enron to translating neuroscience and psychology into practical lessons on leadership, innovation, and resilience. Along the way, he reveals how flow state, storytelling, and emotional engagement can make time slow down and make ideas stick. You'll also hear John's most powerful Kairos moment—the story of a silver medal, a boy who became an Olympian, and how one act of kindness changed two lives forever. It's a reminder that you never know when a small choice can alter someone's future. This conversation challenges leaders to rethink their relationship with time, memory, and meaning. It's not about adding years to your life—it's about adding more life to your years. Three Key Takeaways: • Moments reset the future. Leadership pivots often come from brief Kairos moments that redefine direction more than years of steady effort. • Memories are the currency of time. Flow states, risk, and storytelling create lasting memories that make life feel longer and leadership more impactful. • Design for strengths, not weaknesses. Leaders unlock innovation and resilience when they focus on amplifying strengths instead of patching flaws. If you found value in today's conversation about designing time, flow, and moments that move you forward, you'll want to listen to Maximizing the Flow of Ideas for Your Organization with guests Jeremy Utley and Perry Klebahn. That episode digs into how leaders generate more ideas over time—and why volume, variety, and experimentation are just as important as insight or vision. Both episodes ask a powerful question: how do you create an environment where your best ideas don't just happen—but compound? In short, if you want tools for turning strengths into breakthroughs, and moments into momentum—this is your next listen. It'll help you scale creativity, lead from possibility, and expand what “thought leadership” can mean across your team or organization.

This week: NVIDIA has announced a $100 billion investment in OpenAI to help build out data centers equipped with NVIDIA chips. Felix Salmon, Elizabeth Spiers, and Emily Peck, joined by Bloomberg's Max Chafkin, examine the complexities of this massive deal and why it might feed the argument that the AI boom is a bubble. Then,Trump has announced a $100,000 fee for H-1B visas.They discuss how the clunky rollout of this plan has caused chaos and what it signals about the administration's immigration goals. And finally, Max explains how a parody of Enron that turned into a memecoin fiasco.  In the Slate Plus episode: Digging into the 0.01% rule Want to hear that discussion and hear more Slate Money? Join Slate Plus to unlock weekly bonus episodes. Plus, you'll access ad-free listening across all your favorite Slate podcasts. You can subscribe directly from the Slate Money show page on Apple Podcasts and Spotify. Or, visit slate.com/moneyplus to get access wherever you listen. Podcast production by Jessamine Molli and Cheyna Roth. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week: NVIDIA has announced a $100 billion investment in OpenAI to help build out data centers equipped with NVIDIA chips. Felix Salmon, Elizabeth Spiers, and Emily Peck, joined by Bloomberg's Max Chafkin, examine the complexities of this massive deal and why it might feed the argument that the AI boom is a bubble. Then,Trump has announced a $100,000 fee for H-1B visas.They discuss how the clunky rollout of this plan has caused chaos and what it signals about the administration's immigration goals. And finally, Max explains how a parody of Enron that turned into a memecoin fiasco.  In the Slate Plus episode: Digging into the 0.01% rule Want to hear that discussion and hear more Slate Money? Join Slate Plus to unlock weekly bonus episodes. Plus, you'll access ad-free listening across all your favorite Slate podcasts. You can subscribe directly from the Slate Money show page on Apple Podcasts and Spotify. Or, visit slate.com/moneyplus to get access wherever you listen. Podcast production by Jessamine Molli and Cheyna Roth. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week: NVIDIA has announced a $100 billion investment in OpenAI to help build out data centers equipped with NVIDIA chips. Felix Salmon, Elizabeth Spiers, and Emily Peck, joined by Bloomberg's Max Chafkin, examine the complexities of this massive deal and why it might feed the argument that the AI boom is a bubble. Then,Trump has announced a $100,000 fee for H-1B visas.They discuss how the clunky rollout of this plan has caused chaos and what it signals about the administration's immigration goals. And finally, Max explains how a parody of Enron that turned into a memecoin fiasco.  In the Slate Plus episode: Digging into the 0.01% rule Want to hear that discussion and hear more Slate Money? Join Slate Plus to unlock weekly bonus episodes. Plus, you'll access ad-free listening across all your favorite Slate podcasts. You can subscribe directly from the Slate Money show page on Apple Podcasts and Spotify. Or, visit slate.com/moneyplus to get access wherever you listen. Podcast production by Jessamine Molli and Cheyna Roth. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week: NVIDIA has announced a $100 billion investment in OpenAI to help build out data centers equipped with NVIDIA chips. Felix Salmon, Elizabeth Spiers, and Emily Peck, joined by Bloomberg's Max Chafkin, examine the complexities of this massive deal and why it might feed the argument that the AI boom is a bubble. Then,Trump has announced a $100,000 fee for H-1B visas.They discuss how the clunky rollout of this plan has caused chaos and what it signals about the administration's immigration goals. And finally, Max explains how a parody of Enron that turned into a memecoin fiasco.  In the Slate Plus episode: Digging into the 0.01% rule Want to hear that discussion and hear more Slate Money? Join Slate Plus to unlock weekly bonus episodes. Plus, you'll access ad-free listening across all your favorite Slate podcasts. You can subscribe directly from the Slate Money show page on Apple Podcasts and Spotify. Or, visit slate.com/moneyplus to get access wherever you listen. Podcast production by Jessamine Molli and Cheyna Roth. Learn more about your ad choices. Visit megaphone.fm/adchoices

Introducing “The Four Heavies" - manipulation, intimidation, coercion, and deceit - in today's episode, McKay demonstrates the detrimental impact they can have on individuals and organizations. He argues that while these tactics may yield short-term results, they create unhealthy patterns in mental and emotional development, ultimately undermining trust and growth.McKay illustrates these effects with personal stories: Anna's anxiety from manipulation, Marcus's isolation from intimidation, and Lena's trust issues from deceit. He extends this to corporate failures like Enron and Wells Fargo, showing how "The Heavies" disrupt brain development and foster toxic cultures. Our host then offers actionable alternatives: focusing on potential, modeling calmness, and cultivating empathy. Join him today to transform your parenting and leadership for lasting success.Main Themes:"The Four Heavies" (manipulation, intimidation, coercion, deceit) are detrimental to individual development and organizational culture.Childhood experiences of "The Four Heavies" profoundly impact brain development, emotional regulation, and future relationships.Organizational cultures can mirror individual parenting styles, leading to systemic problems when built on "The Four Heavies."Focusing on the potential of others fosters growth and healthy relationships.Modeling calm, desired behavior creates a safe environment for emotional processing and learning.Empathy is a powerful tool for connection and leadership, leading to trust and attraction.Positivity correlates with success, even more than aptitude.Avoiding "The Four Heavies" leads to more effective leadership, greater satisfaction, and positive impact.Self-compassion is important as we strive for improvement.Top 10 Quotes:"The long-term effect of using ‘The Four Heavies' is extremely unhealthy.""Underneath the surface, we all have a richer, more valuable person.""When we see this potential, it's natural to lead genuinely and authentically.""Coercion uses fear or punishment to force behavior.""When individuals feel manipulated or unsafe, they seek healthier environments.""Being calm invites reasoning and thinking.""Positivity heavily correlates to predicting a person's success, even if they lacked aptitude."Show Links:Open Your Eyes with McKay Christensen

“If you see the Pope, tell him hello.” That's what Jack Copeland would say—and he just might have meant it. In this unforgettable episode of Kent Hance: The Best Storyteller in Texas, Kent dives deep into the wild, colorful life of Jack Copeland, a larger-than-life character from Dimmitt, Texas, whose name-dropping was only outmatched by the truth behind it. From rubbing shoulders with Margaret Thatcher and Bob Dole to orchestrating international oil deals with Exxon and Japanese officials, Copeland's life was anything but ordinary. Kent shares hilarious and heartfelt stories about Copeland's uncanny ability to be everywhere, know everyone, and always be in the middle of a big deal—whether it was real or not. You'll hear about: The time Copeland pre-scheduled his own funeral (and then postponed it). His Acapulco condo pitch—despite the city's rising crime. The “Rolex” gift that turned out to be a knockoff. His legendary name-drops, including a moment with President George W. Bush. But this episode isn't just about Copeland. Kent also reflects on business wisdom, job interview tips, and the importance of authenticity—sprinkled with his signature humor and insight. From UFO conventions in Roswell to dodging a seat on Enron's board, Kent's stories are as educational as they are entertaining. Memorable Quote: “Every ‘no' is one no closer to a yes.” – Snake Adams Whether you're chasing big dreams or just love a good Texas tale, this episode is packed with laughs, lessons, and legends.

Hi friends, happy Wednesday! I always wanted to date Robbie Sinclair from Dinosaurs. Anyone else? [CRICKETS] So whenever I drive by a Sinclair gas station, you know, the one with the dinosaur logo? I always think of him. His spiky hair. That letterman jacket.  I don't care that he was a foam puppet. I was eight and I knew what I wanted. And what I wanted… was Robbie.  I was so distracted by my thoughts of Robbie that I never realized Sinclair Oil had a dark secret. And the whole time it was hiding in plain sight.  Back in the 1920s, oil was the new gold. Because out of nowhere, all of a sudden, everything was running on it. Literally. Cars and airplanes were taking over. And if World War 1 taught us anything, it was that we needed an emergency stash of oil for the military… Just in case.  It was like a gold rush… but with oil. And when there's money on the table, somebody's gonna get greedy. This is how a *huge*  government scandal happened. I'm talking corruption, shady deals, and millions of dollars stuffed into a black briefcase.  Today we're diving into one of the dirtiest scandals in U.S. history. Before Watergate, before Enron, before Bill Clinton and Monica, there was… Teapot Dome. And yes, it involves a teapot. Kind of. Welcome to the Dark History of Teapot Dome. I sometimes talk about my Good Reads in the show. So here's the link if you want to check it out. IDK. lol: https://www.goodreads.com/user/show/139701263-bailey ________ FOLLOW ME AROUND Tik Tok: https://bit.ly/3e3jL9v Instagram: http://bit.ly/2nbO4PR Facebook: http://bit.ly/2mdZtK6 Twitter: http://bit.ly/2yT4BLV Pinterest: http://bit.ly/2mVpXnY Youtube: http://bit.ly/1HGw3Og Snapchat: https://bit.ly/3cC0V9d Discord: https://discord.gg/BaileySarian RECOMMEND A STORY HERE: cases4bailey@gmail.com Business Related Emails: bailey@underscoretalent.com Business Related Mail: Bailey Sarian 4400 W. Riverside Dr., Ste 110-300 Burbank, CA 91505 ________ This podcast is Executive Produced by: Bailey Sarian & Kevin Grosch and Joey Scavuzzo from Made In Network Head Writer: Katie Burris Research provided by: Xander Elmore Special thank you to our Historical Consultant: Luke Nichter, Professor of History at Chapman University. Director: Brian Jaggers Edited by: Julien Perez Additional Editing: Maria Norris Post Supervisor: Kelly Hardin  Production Management: Ross Woodruff Hair: Luca Burnett Makeup: Nikki La Rose ________ When shoppers choose to buy your products, turn them into loyal customers with cheaper, faster, and better shipping. Go to https://www.shipstation.com/darkhistory to sign up for your FREE trial. Stop putting off those doctors appointments and go to https://www.zocdoc.com/DARKHISTORY to find and instantly book a top-rated doctor today.  And right now, OpenPhone is offering my listeners 20% off of your first 6 months at https://www.openphone.com/darkhistory. If you have existing numbers with another service, OpenPhone will port them over at no extra charge. OpenPhone: no missed calls, no missed customers.

Industrial Talk is talking to Brian Baker, President and CEO of Sentry Equipment about "Achieving manufacturing excellence with high employee satisfaction". Scott Mackenzie interviews Brian Baker, CEO of Sentry Equipment, highlighting the company's 100-year history and its role in power generation and water sampling. Baker discusses Sentry's evolution from supporting dairy boilers to power plants and other industries, emphasizing the importance of low-cost energy, a skilled workforce, advanced technology, and the U.S. being the largest market. He also explains Sentry's transition to employee ownership in 1986, which has motivated employees and improved customer service. Baker advocates for employee ownership as a fair and effective transition strategy for business owners. Action Items [ ] Connect with Brian Baker on LinkedIn or email him at Brian.Baker@SentryEquip.com to discuss employee ownership and transitioning businesses to employee ownership. [ ] Reach out to Brian to learn more about Sentry Equipment's manufacturing capabilities and how they can support your business. Outline Introduction and Purpose of Industrial Talk Podcast Speaker 1 introduces Scott Mackenzie and the Industrial Talk Podcast, emphasizing its focus on industry professionals and innovations. Scott MacKenzie thanks listeners for their support and highlights the excitement in various industries like manufacturing, oil and gas, and power generation. Scott MacKenzie introduces Brian Baker, CEO of Sentry Equipment, and expresses excitement about the conversation. Scott MacKenzie encourages listeners to amplify their voices and messages through Industrial Talk, offering to have conversations on various industry topics. Introduction of Brian Baker and Sentry Equipment Scott MacKenzie welcomes Brian Baker to the podcast and highlights Sentry Equipment's 100-year history of providing solutions and services. Brian Baker shares his background, mentioning his transition from being a CPA to a financial position at Sentry Equipment in 1995. Brian Baker discusses his role as President and CEO for the past 13 years and his enjoyment of the strategic aspects of managing the business. Scott MacKenzie and Brian Baker discuss the evolution of Sentry Equipment from supporting dairy boilers to power generation and other industries. Sentry Equipment's Role in Power Generation Brian Baker explains how Sentry Equipment's products and services help power stations maintain efficient operations by monitoring water chemistry. Scott MacKenzie relates his background in power generation and asks for a specific use case. Brian Baker describes how Sentry Equipment's equipment helps moderate heat, flow, and pressure in power plants, ensuring precise water chemistry monitoring. Brian Baker highlights the company's dual role as a manufacturer and a full-service provider, offering installation, training, and maintenance contracts. Sentry Equipment's History and Evolution Brian Baker shares the history of Sentry Equipment, starting with its founder Roy Henze and the company's initial focus on dairy boilers. Scott MacKenzie and Brian Baker discuss the company's evolution from supporting dairies to power plants as the electric grid became more reliable. Brian Baker talks about the company's diversification in the 2000s due to the Enron scandal and the subsequent decline in the power industry.

In this special episode, my friend—and fan-favorite guest—Dr. Peter Attia takes the mic as guest host. Peter sits down with legendary trader John Arnold, widely considered the greatest energy trader of all time. Today, through his foundation Arnold Ventures, John applies the same rigorous thinking to some of America's toughest social challenges—criminal justice reform, healthcare policy, and K–12 education, to name just a few. This interview originally aired on Peter's excellent podcast The Drive. You can check it out at PeterAttiaMD.com, or subscribe to The Drive wherever you get your podcasts.This episode is brought to you by:Vanta trusted compliance and security platform: https://vanta.com/tim ($1000 off)Eight Sleep Pod Cover 5 sleeping solution for dynamic cooling and heating: EightSleep.com/Tim (use code TIM to get $350 off your very own Pod 5 Ultra.)Wealthfront high-yield cash account: https://Wealthfront.com/Tim (Start earning 4.00% APY on your short-term cash until you're ready to invest. And when new clients open an account today, you can get an extra fifty-dollar bonus with a deposit of five hundred dollars or more.) Terms apply. Tim Ferriss receives cash compensation from Wealthfront Brokerage, LLC for advertising and holds a non-controlling equity interest in the corporate parent of Wealthfront Brokerage. See full disclosures here.Timestamps:[00:00:00] Start.[00:05:37] Peter Attia's intro: who is John Arnold?[00:08:38] John's background, upbringing, and early entrepreneurial tendencies.[00:21:16] John's time and rise at Enron.[00:33:40] Characteristics that made John an exceptional natural gas trader and how they translate to his philanthropic work.[00:41:10] The collapse of Enron.[00:46:46] The success of John's hedge fund, and his early interest in philanthropy.[01:02:03] The infamous 2006 trade that brought down Amaranth Advisors.[01:08:28] John's analytical prowess and emphasis on fundamentals.[01:15:13] The decision to become a full-time philanthropist and the founding of Arnold Ventures.[01:25:03] Education — John's quest to fundamentally change K-12 education.[01:30:36] Strategic philanthropy — preventing problems by attacking root causes and creating structural change.[01:37:50] The criminal justice system — structural changes needed to address mass incarceration, policing practices, and recidivism.[01:55:07] Re-imagining prisons to reduce recidivism.[02:02:27] US health care policy — John's focus on drug prices, and the severe consequences of not making system changes.[02:20:00] Climate change — the bipartisan role of John's foundation.[02:23:52] Advice for young adults interested in philanthropy.[02:30:52] Parting thoughts.*For show notes and past guests on The Tim Ferriss Show, please visit tim.blog/podcast.For deals from sponsors of The Tim Ferriss Show, please visit tim.blog/podcast-sponsorsSign up for Tim's email newsletter (5-Bullet Friday) at tim.blog/friday.For transcripts of episodes, go to tim.blog/transcripts.Discover Tim's books: tim.blog/books.Follow Tim:Twitter: twitter.com/tferriss Instagram: instagram.com/timferrissYouTube: youtube.com/timferrissFacebook: facebook.com/timferriss LinkedIn: linkedin.com/in/timferrissPast guests on The Tim Ferriss Show include Jerry Seinfeld, Hugh Jackman, Dr. Jane Goodall, LeBron James, Kevin Hart, Doris Kearns Goodwin, Jamie Foxx, Matthew McConaughey, Esther Perel, Elizabeth Gilbert, Terry Crews, Sia, Yuval Noah Harari, Malcolm Gladwell, Madeleine Albright, Cheryl Strayed, Jim Collins, Mary Karr, Maria Popova, Sam Harris, Michael Phelps, Bob Iger, Edward Norton, Arnold Schwarzenegger, Neil Strauss, Ken Burns, Maria Sharapova, Marc Andreessen, Neil Gaiman, Neil de Grasse Tyson, Jocko Willink, Daniel Ek, Kelly Slater, Dr. Peter Attia, Seth Godin, Howard Marks, Dr. Brené Brown, Eric Schmidt, Michael Lewis, Joe Gebbia, Michael Pollan, Dr. Jordan Peterson, Vince Vaughn, Brian Koppelman, Ramit Sethi, Dax Shepard, Tony Robbins, Jim Dethmer, Dan Harris, Ray Dalio, Naval Ravikant, Vitalik Buterin, Elizabeth Lesser, Amanda Palmer, Katie Haun, Sir Richard Branson, Chuck Palahniuk, Arianna Huffington, Reid Hoffman, Bill Burr, Whitney Cummings, Rick Rubin, Dr. Vivek Murthy, Darren Aronofsky, Margaret Atwood, Mark Zuckerberg, Peter Thiel, Dr. Gabor Maté, Anne Lamott, Sarah Silverman, Dr. Andrew Huberman, and many more.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.