Podcasts about Equity

#667: Home prices have outpaced wages for more than a decade, and first-time buyers are stretching further every year. Now a new idea is entering the conversation, the 50-year mortgage. It promises lower monthly payments, yet it reshapes everything from equity growth to long-term risk. In this episode we sit down with Karsten Jeske, PhD, CFA from Early Retirement Now, a former Federal Reserve economist known for forensic financial modeling. Together we walk through when a 50-year mortgage might make sense, when it clearly does not, and why the math is rarely as simple as “higher payment versus lower payment.” We also dig into how ultra-long mortgages could push home prices even higher, and what this means for today's buyers and tomorrow's retirees. If you've wondered whether extended loan terms offer real affordability or just disguise the cost, this conversation gives you a clearer lens. Key Takeaways Why stretching to a 50-year mortgage can look affordable on paper yet leave you with far slower equity growth in the years that matter most. The few cases where a longer mortgage term can support a deliberate strategy, such as freeing cash flow to invest, and why this only works for certain borrowers. How inflation, appreciation, and opportunity cost change the “true” math behind 30-year versus 50-year loans. Why ultra-long mortgages may raise home prices more than they help buyers and what this means for generational wealth. How late-life mortgage decisions, downsizing, and step-up in basis reshape your legacy far more than the length of the loan itself. Resources and Links Early Retirement Now blog, Karsten's research and mortgage modeling. Chapters Note: Timestamps are approximate and may vary greatly across listening platforms due to dynamically inserted ads. (00:00) 50-year mortgage debate begins (02:52) Karsten says it expands options for sophisticated investors (05:42) Paula focuses on owner-occupants who can't afford houses (11:03) Equity difference: $80K vs $20K after 10 years (18:26) Lower payments could fund other investments (25:17) Lenders package mortgages for institutional investors (29:18) US doesn't issue 100-year bonds despite stability (34:00) Small term premiums create huge returns (43:31) Paying more interest isn't automatically bad (48:08) First-time buyers now average age 40 (56:08) Geographic arbitrage enables mortgage payoff (01:00:20) 50-year mortgages could inflate home prices (01:04:51) Supply constraints drive housing affordability crisis (01:07:29) Fed might pause rate cuts in December Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this powerful episode of RISE Urban Nation, host Taryell Simmons sits down with Dr. Sherece Y. West-Scantlebury—philanthropic visionary, equity advocate, transformational strategist, and retiring President & CEO of the Winthrop Rockefeller Foundation.With more than 33 years of leadership in public policy, community development, and values-aligned investing, Dr. West-Scantlebury reflects on her journey shaping systems across Arkansas and the nation.Discover the untold stories behind statewide initiatives such as ALICE in AR, Excel by 8, ForwARd Arkansas, and the Arkansas Enterprise Capital Grant Fund—and how Dr. West-Scantlebury leveraged philanthropy, equity, and lived experience to build lasting, generational impact.Whether you're a nonprofit CEO, emerging executive coach, philanthropic leader, or community advocate, this episode offers a masterclass in courageous leadership, legacy building, and systems transformation. Links & Resources:

In this engaging conversation, Bill Umansky and Kevin Daisey discuss various aspects of business, marketing, and the legal industry. They explore the significance of company culture, the impact of private equity on law firms and SEO companies, and the importance of understanding client needs. The discussion also touches on the journey into marketing, the role of branding, and the strategies that successful firms employ to thrive in a competitive landscape.

When it comes to addressing health disparities, it's critically important that healthcare providers and researchers take a proactive approach to building trust with the communities we aim to serve. As founding director of the Center for Reducing Health Disparities at UC Davis, Dr. Sergio Aguilar-Gaxiola has decades of experience with this approach. “It is possible to overcome the barriers of access to care if we can change our paradigm,” he says. “ In this episode of the Health Disparities podcast, Dr. Aguilar speaks with Movement Is Life's Dr. Zachary Lum about his work, which focuses on health disparities, mental health in underserved populations, community-engaged research and Latino health.  Never miss an episode – subscribe to The Health Disparities podcast from Movement Is Life on Apple Podcasts, YouTube, or wherever you get your podcasts

In this episode of the HR Mixtape, host Shari Simpson sits down with Celeste Warren, Vice President of the Global Diversity and Inclusion Center of Excellence at Merck. They delve into the critical topic of Diversity, Equity, and Inclusion (DEI) in the workplace, emphasizing that inclusion is a shared responsibility across all levels of an organization. This conversation is particularly timely as companies navigate the complexities of employee experience and strive for inclusive leadership in a rapidly changing environment. Listener Takeaways: Learn how to foster a culture of inclusion by engaging all employees in DEI initiatives. Discover why aligning employee resource groups with business goals can drive organizational change. Explore strategies for measuring the impact of DEI efforts beyond traditional metrics. Hit “Play” to gain valuable insights on integrating DEI into your organization's fabric! Guest(s): Celeste Warren, Vice President, Global Diversity and Inclusion Center of Excellence, Merck

**Habitat for Humanity Canada/Leger Poll (August–September2024):** A recent poll found that 70% of Canadians believe that owning a homehas become impossible. **Statistics Canada (August–September 2024):** The CanadianSocial Survey revealed that nearly half (45%) of Canadians are very concernedabout housing affordability due to rising costs. This concern is even moresignificant among young adults aged 20 to 35, with 59% expressing high levelsof worry. Founded in 1985, Habitat for Humanity Canada is a nationalcharity made up of local Habitat organizations operating in every province andthe North. Through innovative home construction, repairs, financing, skillstraining, and advocacy, they unite people to build homes, communities, andhope. Habitat for Humanity Canada is a member of Habitat for HumanityInternational, a leading global non-profit organization working in over 70countries. Pedro Barata is the President and CEO of Habitat forHumanity Canada. He is a passionate and values-driven leader with two decadesof experience in fostering multi-sector collaborations to create solutions forcommunities. Before joining Habitat in 2024, Pedro served as the executivedirector of the Future Skills Centre, where he led the establishment of anational research impact center and launched various multi-sector innovationpilots across Canada. Barata  joined me thisweek to discuss how Habitat for Humanity Canada is addressing the homeowneraffordability crisis and working to provide more Canadians with safe, decent,and affordable places to call home. For more information, visit:[habitat.ca/en](https://habitat.ca/en)  Follow us on social media: @habitatcanada

Send us a textIn this episode of Navigating the Customer Experience, we sit down with Jean-Pierre LaCroix—President and Chief Strategy Officer of SLD, brand visionary, author, and creator of groundbreaking tools such as the Trust Ladder and the Ideal Omni Experience Model. With more than 46 years of experience helping global organizations transform their retail, brand, and customer experience ecosystems, Jean-Pierre brings deep insight into what it truly takes to build emotionally resonant brands.Jean-Pierre begins by sharing his personal journey—from growing up on an Air Force base in Germany to working long days on his family's farm, to discovering his passion for design at Sheridan College. Launching his first firm just two years after graduating, he eventually built SLD into a leading global strategic design agency.He then dives into his latest book, ThinkBlink Manifesto, which distills decades of experience into seven core tenets for creating emotionally connected brands. Jean-Pierre explains why emotional equity—not features, benefits, or promotions—is what customers respond to most deeply. The seven tenets include:Owning the Emotional MomentPersonifying the Emotional Value Through DesignCommunicating a Compelling Brand StoryUnderstanding Target Personas Beyond DemographicsCreating Belonging ExperiencesMeasuring What Truly Matters (Emotional Metrics)Future-Proofing the BrandJean-Pierre discusses how leaders can shift beyond pre-COVID thinking by embracing new metrics, strengthening community and belonging for employees and customers, and leveraging SLD's newly launched ThinkBlink AI Assessment tool to evaluate emotional connection, differentiation, and future readiness.He also highlights companies that exemplify these principles—such as Apple, Harley-Davidson, and Canadian innovator Cineplex—organizations that have built loyalty and community through purpose-driven experiences.A voracious reader, Jean-Pierre shares the books that have shaped him most, including Blue Ocean Strategy, The Challenger Mindset, and Nudge. He also opens up about what he's currently excited about: becoming a grandfather and being invited once again as a keynote speaker at the Financial Brand Forum.To close the episode, he shares his personal mantra for challenging times: “Leadership is about seeing the opportunity in the challenges versus the challenges in the opportunity.”Connect with Jean-Pierre on LinkedIn or visit www.sld.com for tools, insights, and free resources.

Scott Galloway answers listener questions on whether introverted founders can succeed without being natural salespeople, how to deal with insecurity when you're surrounded by wealth, and the smartest way to give early employees a real sense of ownership through equity. Want to be featured in a future episode? Send a voice recording to officehours@profgmedia.com, or drop your question in the r/ScottGalloway subreddit. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Get 3 Free Months of Trading Software, 100 Days Of FREE Commissions & 33% off commissions FOR LIFE with My Preferred Broker!  FREE Trading Journal (stop paying for online journal) In today's episode, I'm joined by Garrett. Garrett is an Equity and Options Trader at SMB Capital that specializes in Trend Trading. He focuses on data-driven trading strategies that rely heavily on automation. Today, I sat down with him to learn more about his unique style and strategies. This is a great episode to watch if you want to learn more about automation and algorithmic trading. Garrett

ADP's tally of 120,000 small firm job losses in November, and a decline in September Core PCE inflation, both help the case for a rate cut at the Fed's meeting this Wednesday. On the markets front, Wall Street strategists are forecasting an average of 9% return for the S&P 500 index next year. Two technical indicators suggest an even larger return is probable.Meanwhile, it's almost impossible to keep up with all that's going on in the world of Artificial Intelligence, but what's clear is the stock market favours AI adopters. Interestingly, the share prices of companies citing AI on Q3 conference calls have returned 14% on average year-to-date, vs. an average return of 6% for those that didn't cite it.

What if the care system you need doesn't exist yet? Chanda didn't wait. In this episode, we speak with Chanda Hinton, founder of the Chanda Center for Health. After a childhood spinal cord injury and years of depending on medicines and medical care, Chanda found that daily movement, touch-based therapies, and a team that talks to each other worked to help her overcome challenges brought on by medicine. Then she pushed further—she helped pass a first-of-its-kind law in Colorado  and built a disability-competent clinic where primary care, PT, behavioral health, and integrative services live under one roof.We walk through the turning points: hitting failure-to-thrive at 59 pounds, swapping pills for proactive care, and proving cost savings by reducing 911 calls and ER visits. Chanda explains why caregiver choice matters as much as any therapy, how rotating schedules protect everyone from burnout, and why even toileting can be a place for dignity and laughter. You'll learn how the Chanda Center addresses real barriers providers face, how to create caregiver networks that flex with life, and how disability and dementia communities can join forces to push healthcare toward prevention and collaboration. It's a story about agency and design: when care aligns with the person, everything works better—body, budget, and spirit.If this conversation sparked ideas, share it with your care circle. Follow and subscribe for more candid, solutions-focused episodes, and leave a review to help other caregivers find us. Your story could be the seed for the next big change.For more information about the Chanda Center, visit ChandaCenter.org. Exec. Producer/Host: J SmilesProducer: Mia Hall Editor: Annelise UdoyeSupport the show"Alzheimer's is heavy but we ain't gotta be!"IG: https://www.instagram.com/parentingupFB: https://www.facebook.com/parentingupYT: https://www.youtube.com/@parentingupTEXT 'PODCAST" to +1 404 737 1449 - to give J topic ideas, feedback, say hi!Be sure to leave us a review!

300,000 Black women have been pushed out of the workforce. The system labels them "aggressive" when they speak, "not a team player" when they set boundaries, "difficult" when they advocate for themselves. These aren't random incidents; they're the deliberate mechanisms that systematically remove Black women from positions of power and influence. Minda Harts has documented this structural violence across thousands of women's experiences and built a framework to navigate it with clarity. As a bestselling author, workplace consultant, and NYU professor, she created The Seven Trust Languages®, a system that gives women the precise vocabulary to identify where and how they're being strategically undermined at work in real time. She's the author of The Memo: What Women of Color Need to Know to Secure a Seat at the Table, Right Within: How to Heal from Racial Trauma in the Workplace, You Are More Than Magic, and Talk to Me Nice: The Seven Trust Languages for a Better Workplace. Recognized by LinkedIn as the #1 Top Voice for Equity in the Workplace and by Business Insider as one of the 100 People Transforming Business, Minda is the founder of The Memo LLC and Queen of Harts Productions. She works with Fortune 500 companies to rebuild trust and teaches the next generation of leaders at NYU's Wagner School of Public Service. In this conversation, Minda shows you how to see the patterns, name what's happening, and make strategic choices that protect your power.   You can find Minda Hart's work here: Website: https://www.mindaharts.com/ Instagram: https://www.instagram.com/mindaharts/?hl=en YouTube: https://www.youtube.com/@OfficialMindaHarts LinkedIn: https://www.linkedin.com/in/mindaharts/ Facebook: https://www.facebook.com/MindaHarts/ ----more---- Tools and stories to help you choose yourself in a world that socializes you not to. The Shop: Discover exclusive tools, curated workshops, and guides for the radical woman ready to step fully into her power. https://www.charliestoolbox.com/shop Substack Newsletter: Read deep dives and stories about women choosing themselves, money, self-trust, and building power outside of old systems. https://charliestoolbox.substack.com/ Website: Find more resources, learn about our methodology, and explore all our offerings in one place. https://www.charliestoolbox.com/ The Podcast: Listen to real conversations with women who've built lives beyond approval, expectation, and limits. https://charliestoolbox.podbean.com/ Your sovereignty is your foundation. My role is to help you use it as a launchpad. **Follow for Daily Inspiration:** - TikTok: https://www.tiktok.com/@charliestoolbox - Instagram: https://www.instagram.com/charliestoolbox/ - LinkedIn: https://www.linkedin.com/company/charliestoolbox   Take Action Now: Hit subscribe if you're ready to stop waiting for permission and start choosing yourself. New episodes drop weekly with tools for building a life that's authentically felt and beautifully lived.

In this episode of The Public Health Joy Podcast, Dr. Joyee sits down with Silas Buchanan, founder and CEO of Our Healthy Community, a social impact consulting firm in partnership with Morehouse School of Medicine. Their mission: to close the distance between faith-based organizations, community-based organizations, and healthcare stakeholders.Together, Dr. Joyee and Silas explore what it truly means to bridge the gaps between communities and the health systems meant to serve them. Silas shares why a web-based ecosystem is essential for empowering underserved communities through technology, ownership, and collaboration. He also highlights the influence of faith-based institutions in health messaging and the urgent need for community voices in designing digital health tools. This conversation shines a light on equity in research and the transformative power of community engagement in achieving real health equity.Key Points From This Episode:The goal is to bridge gaps between community organizations and healthcare stakeholders. [02:46]Technology can empower communities and improve health outcomes.[08:57]Community input is essential in the design of health technologies. [12:00]Ownership of digital spaces is crucial for community control. [14:53]Equity in research and development is necessary for effective solutions. [20:57]Faith-based organizations play a vital role in health messaging. [23:52]Options are better than money; providing more choices leads to empowerment. [29:54]If you enjoyed this episode, please subscribe, rate and, leave a review! For more transcripts, show notes,and more visit: https://joyeewashington.com/public-health-joy-season-4/ 

In this hour-long episode of RISE Radio, Editorial Director Ilene MacDonald sits down with industry experts to break down the changes in CMS' 2027 Medicare Advantage and Part D proposed rule, why removing 12 measures and bringing back the reward factor is a true Stars redesign, and how plans can pivot from operational wins to outcome performance. We also explore the new depression screening measure and the new SEP when providers exit networks, with clear steps to protect quality and retention.Our guests are Ana Handshuh, principal of CAT5 Strategies, Melissa Smith, founder and senior advisor of the Newton Smith Group, and Rex Wallace, founder & principal of Rex Wallace Consulting. For more on these changes, join us at The RISE Star Ratings Master Class, December 16-18 in Frisco, Texas or RISE National 2026, March 23-25 in Orlando, Fla. 

Udo Schloemer, Gründer der Factory, spricht über die Neuausrichtung des Berliner Tech-Hubs. Er teilt, warum sie das Membership-Modell durch ein Beteiligungsmodell ersetzen, wie sie mit KI in 24 Stunden statt 14 Tagen Prototypen bauen und warum Europa trotz aller Kritik der ideale Standort für die nächste Tech-Generation ist. Was du lernst: Factory Transformation: Von Membership zu Beteiligung Warum Speed entscheidend ist Die neue Rolle von KI Zukunft der Arbeit: Psychologische Herausforderungen Netzwerk vs. Skills Warum Kultur wichtig bleibt Deutschlands Potenzial: Die Stärke des Mittelstands Warum Planung oft hinderlich ist Der richtige Mix aus Vision und Umsetzung Leadership: Von patriarchisch zu partizipativ Die Balance zwischen Kontrolle und Freiheit Warum Fehler wichtig sind Links: ALLES ZU UNICORN BAKERY: https://stan.store/fabiantausch Mehr zu Udo: LinkedIn: https://www.linkedin.com/in/udo-schloemer-b7a39630/ The Factory: https://factoryberlin.com/ Join our Founder Tactics Newsletter: 2x die Woche bekommst du die Taktiken der besten Gründer der Welt direkt ins Postfach: https://www.tactics.unicornbakery.de/ Kapitel: (00:00:00) Unternehmertum in der KI-Ära (00:01:35) Factory Berlin: Von der Community zur KI-Plattform (00:14:05) Die größte Transformation: KI verändert alles (00:15:38) Was du jetzt tun solltest: Anpassung oder Abgehängt (00:16:45) Politik und Incentivierung: Warum Deutschland sich schwer tut (00:09:51) Netzwerk schlägt Skills: Die neue Währung der Zukunft (00:24:12) Von der Idee zum Produkt in einer Woche (00:29:28) Das neue Geschäftsmodell: 10% Equity statt Membership (00:33:57) Mittelstand vs. Konzerne: Wer kann Innovation wirklich nutzen? (00:51:26) Der Plan ersetzt den Zufall durch den Irrtum

The Trump regime has launched a radical overhaul of the U.S. State Department's global human rights report, creating a new political weapon that threatens diplomatic ties and redefines universal human rights principles. This video breaks down the shocking new criteria U.S. officials must use when compiling their annual reports. Policies like Diversity, Equity, and Inclusion (DEI), government subsidies for abortion, and gender-affirming care for children are now being categorized as potential human rights infringements. SPONSOR: AURA Frames: Exclusive $35 off Carver Mat at https://on.auraframes.com/FIVEMIN. Promo Code FIVEMIN Independent media has never been more important. Please support this channel by subscribing here: https://www.youtube.com/channel/UCkbwLFZhawBqK2b9gW08z3g?sub_confirmation=1 Join this channel with a membership for exclusive early access and bonus content: https://www.youtube.com/channel/UCkbwLFZhawBqK2b9gW08z3g/join Buy Anthony's microphone: https://kellards.com/products/electro-voice-re20-broadcast-announcer-microphone-black-bundle-with-mic-shockmount-broadcast-arm Buy Anthony's black t'shirt: https://www.uniqlo.com/us/en/products/E455365-000/00?colorDisplayCode=09 Five Minute News is an Evergreen Podcast, covering politics, inequality, health and climate - delivering independent, unbiased and essential news for the US and across the world. Visit us online at http://www.fiveminute.news Follow us on Bluesky https://bsky.app/profile/fiveminutenews.bsky.social Follow us on Instagram http://instagram.com/fiveminnews Support us on Patreon http://www.patreon.com/fiveminutenews You can subscribe to Five Minute News with your preferred podcast app, ask your smart speaker, or enable Five Minute News as your Amazon Alexa Flash Briefing skill. CONTENT DISCLAIMER The views and opinions expressed on this channel are those of the guests and authors and do not necessarily reflect the official policy or position of Anthony Davis or Five Minute News LLC. Any content provided by our hosts, guests or authors are of their opinion and are not intended to malign any religion, ethnic group, club, organization, company, individual or anyone or anything, in line with the First Amendment right to free and protected speech.#TrumpPolicy #HumanRights #DEI #ForeignPolicy #GlobalPolitics #StateDepartment #AbortionRights #FreeSpeech #DemocraticAllies Learn more about your ad choices. Visit megaphone.fm/adchoices

How can lawmakers rebuild public trust in health, and make prevention a shared priority?In this episode of The Health Advocates, Steven Newmark speaks with Texas State Representative Nicole Collier, a leading voice on health equity, women’s health, and preventive care. From her work on the Select Committee on Preventable Diseases and Women’s Health to her advocacy for fair access to vaccines, Rep. Collier brings a clear message: prevention isn’t political, it’s essential.Together, Steven and Rep. Collier explore:- How preventive care, including vaccines, strengthens community trust- Why health equity starts with access to reliable information and local leadership- How Texas can serve as a model for bipartisan public-health collaborationTo learn more about vaccine recommendations and find reliable resources for patients, visit: ghlf.org/vaccines Contact Our Host Steven Newmark, Chief of Policy at GHLF: snewmark@ghlf.orgA podcast episode produced by Ben Blanc, Director, Digital Production and Engagement at GHLF.We want to hear what you think. Send your comments in the form of an email, video, or audio clip of yourself to podcasts@ghlf.orgListen to all episodes of The Health Advocates on our website or on your favorite podcast channel.See omnystudio.com/listener for privacy information.

In this episode of the Real Estate Pros podcast, Kristen and Jayvan Spence discuss the ins and outs of VA loans, focusing on how veterans can leverage these loans to achieve homeownership. Jayvan shares his personal experiences and insights on navigating the VA loan process, the importance of credit repair, and the resources available for first-time homebuyers. The conversation also touches on the role of technology and AI in the home buying process, as well as practical advice for veterans looking to invest in real estate.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Infrastructure equity is no longer just about toll roads and utilities—it's becoming a core part of insurance portfolio strategy. In this episode of the InsuranceAUM.com podcast, Gianluca Minella, Head of Research at InfraRed Capital Partners (a part of SLC Management), joins host Stewart Foley for a wide-ranging conversation on infrastructure's growing relevance for insurers.   Drawing on findings from SLC Management's recent global insurance survey, Gianluca shares insights into how insurers are allocating across core, core-plus, and value-add strategies. The discussion covers inflation protection, regulatory treatment, digitalization, decarbonization, valuation discipline, and infrastructure's role as both a defensive and growth-oriented asset class.   Whether you're focused on diversification, long-term returns, or navigating macro risks, this episode offers timely and practical insight into how infrastructure equity is being used by insurers to enhance portfolio resilience and performance.

European equities opened higher, reflecting positive APAC momentum, though European news flow has been light. Central bank updates included hawkish BoJ sources alongside concerns about Hassett as Fed Chair. The BoJ is likely to raise interest rates in December in a government-approved move, according to Reuters and Bloomberg sources.DXY is trading near the lower end of its 98.798–99.029 intraday range, pressured by JPY strengthFixed income benchmarks are lower following the hawkish BoJ reports, though the associated softening in risk sentiment has provided a modest haven bid as the morning unfolded.Looking ahead, highlights include US Challenger Layoffs (Nov), Jobless Claims (w/e 29 Nov), Revelio Public Labor Statistics, Chicago Fed Labour Market Indicators (Final), Durable Goods (Sep), Factory Orders (Sep), Atlanta Fed GDP. Speakers include BoE's Mann, ECB's Lane, Cipollone & de Guindos, Fed's Bowman. Earnings from Kroger & Dollar General.Read the full report covering Equities, Forex, Fixed Income, Commodites and more on Newsquawk

We're getting into the groove of doing video podcasts now, and today we have another mixed bag of questions. They include the tax implications of moving abroad, whether to start a pension in your 60's, whether it's possible for a pension fund to be too big and lots more besides! Shownotes: https://meaningfulmoney.tv/QA34    01:24  Question 1 Hi Pete and Roger Thanks for the fantastic podcast, YouTube videos (and book) I have learnt so much. My question is essentially about whether to overpay my mortgage or invest. I have watched Pete's videos on this subject but just wanted to check if my situation changes anything. I'm a 41 year old Firefighter and I am in the Firefighters Pension Scheme. I am recently divorced and as such have had to start again with a 25 year mortgage currently fixed for 5 years at 4.1%. Essentially should I focus on overpaying this mortgage so that it is definitely paid off by the time I am 60 (When I can retire from the Fire service) as I already have the DB Firefighters Pension. Or would I still be better to invest this money in a stocks and shares ISA and use it to pay off the mortgage at a later date? My disposable income for whichever option would be around £200 a month. Lastly I will probably continue working past 60 yrs old but it may be in a different profession as by that age I may not feel like dragging hose and climbing ladders anymore! Thanks again, James   05:33  Question 2 Hi Pete and Roger, I've been listening to your brilliant podcast since COVID, so around 5 years now and always look forward to the new episode coming out. I don't really have a financial related question for you, more some advice... I've tried to educate my daughter on personal finance and I think she now has a good grasp and is interested in becoming a financial advisor. She is now 19, has decent A levels and has just completed an Art foundation course. She has University offers for September which she has deferred as she really doesn't want to go! We live in West Kent (nr Tunbridge Wells) and I've been looking for trainee, bottom of the rung, Financial advisor jobs for her but I can't seem to find anything. She could commute to London, if required but would rather stay local if possible. Do either of you have any suggestions about how she might be able to get into the industry? We're happy to pay for courses of that helps her but not sure what would be best. Sorry for the long email, any advice would be very gratefully received. All the best and keep up the great work Matt and Belle Hart   13:23  Question 3 Hello to Pete and Rog, Thanks for the podcast so far, my family is in a much sounder financial footing since I've started putting into action some of the basics you've spoken about previously. ISAs, pensions and insurance all ticking along nicely now - thanks to you! I have a question about my pension, is it possible to add too much? My thoughts are, if my pension pot in today's money is worth £1.25m when I retire, I can take the 250k tax free and £40k a year thereafter, anymore than this and I would be paying 40% tax on my drawings. Are there benefits I'm missing of having a larger pot (say £2m)? Not one I need to worry about yet, if at all, but it's always puzzled me! Many thanks for the content, keep up the good work and enjoy the sunshine this weekend! Adam   18:30  Question 4 Hi Pete & Rog, Have been a long time listener and have loved your double act with the self effacing banter alongside sound, sensible guidance on the minefield that personal finance can often seem to be. Listening whilst walking the dog is like chewing the fat down the pub with a couple of great friends, So my situation is this... 47 years old, married with two kids (11/14). Myself and my wife both have good jobs, own jointly (own names) 8 x BTL properties generating a profit. Equity in Portfolio is about £400k Portfolio was built to provide additional income and to support us in retirement (either the income or by selling) We have our own home (mortgaged) and are in the process of moving to a bigger place as we're growing out of where we are. This will come with a bigger mortgage as we're scaling up so to minimise the increase in monthly payments we're increasing the term back to our state retirement ages (which is a bit depressing!). So our ideal plan is to have the "choice" to semi retire / work as much or little as we want by age 57 - so around 10 years from now but we are not sure whether this is realistic and the best way to set things up to achieve it if it is. We would probably still work part-time beyond 57 but would want to have other sources of income that could support a comfortable lifestyle. To add to the complexity, but in a good way, I'm also in the process of changing jobs and the new job comes with a £20k pa pay rise and a matched pension at 6%. This is obviously lower than my current employers scheme but I plan to at least match what currently goes into my current employer pension one way or the other. So after what must be one of the longest pre-ambles you've ever read here are my question(s): In terms of where we are now do you think getting to a position where we have a choice to retire/semi retire in 10 years is realistic and what are the key things we should be doing now ten years out taking into account our circumstances? How would you approach the pension situation with my change of employer, my thought was to make contributions to my private pension to cover the overall reduction (9% matched to 6% matched) between employers so that I'm still putting in 18% overall. I think I may be able to put as much as I like into my new employers scheme though (but they'll only match 6%) so would this be a better option? In terms of our mortgage in 10 years it will still be around £350k so we would want to reduce this significantly or even pay off in full at that point. My thought was to sell 5-6 of the BTL's over 5 years leading up to age 57 to pay it down however this obviously reduces our passive income from the portfolio and we'd pay a chunk of CGT along the way. Are there any better ways of achieving the same result? I hope I haven't broken any rules around length of email and number of questions, I can only hope you'll treat this with your customary humour and patience! Keep up the great work guys. Best Regards, Nick 25:15  Question 5 Hello Pete and Roger -I'd like to say how your podcast has really helped me to focus on preparing for retirement ,so thank you . My question is I'm in my early 60,s I have 2 x Db pensions which will pay about £22000 Pa immediately if I choose , a full state pension at 67 and I have no mortgage and cash savings of £235000 half of which is in cash ISAs. My DB Pensions and state pension will be enough for my life style . I may move home next year hence the large cash savings and also because I recently divorced and that's how the settlement added to that figure. It was a coercive relationship and I'm so worried now I hold too much cash as I never had my own money to invest in a pension. Prior to the marriage and children I did work and pay into a pension which will provide half of the DB pension as stated earlier but that all stopped when I married. Should I start a personal pension now so close to retirement if I know I'll have spare cash to pay the max £3600 inc tax relief to take advantage of the tax relief and build up a pot not for income necessarily but for care home fees /inheritance tax costs for my two young adult children? Or shouldn't I worry? Many thanks for your help. Charlotte. 30:13  Question 6 Dear Pete and Rog, Thank you so much for your incredibly valuable podcast. I've learned a great deal from it and really appreciate the clarity and insight you bring to complex financial topics. Can't wait for the Youtube version to finally see what Rog looks like!  I had a question that I hope you might be able to shed some light on. My wife is from Slovakia, and we're likely to retire there in the future with our two children. I understand that capital gains tax and inheritance tax are both zero in Slovakia. However, I've read that UK-situs assets remain within the scope of UK inheritance tax even after leaving the UK, and that these would seem to include UK-domiciled OEICs such as the Vanguard LifeStrategy 100% fund, which I currently hold in a general investment account. Would it therefore make sense to consider switching from the LifeStrategy 100% UK domiciled fund to an Ireland-domiciled ETF such as the Vanguard FTSE All-World UCITS ETF (VWRP)? Would doing so resolve the issue of UK IHT exposure on those Situs assets? Or transferring the UK OEICs to a global investment platform, would that work (seems too easy to be true)? Any other tips to look into before making the big move abroad? Thank you very much again for your time, and for all the invaluable information you share! Please keep it going ! Best regards, John  

With their holiday hair on point and nearly 29 years of marriage under their belts (yes, you read that right—29 years next month!), this dynamic duo is here to drop some serious relationship wisdom rooted in Diversity, Equity, and Inclusion (DEI) principles. In this 31-minute power-packed episode, Snooks and Lovey tackle one of the most misunderstood concepts in modern relationships: equality versus equity in marriage. This groundbreaking conversation demonstrates how DEI principles are essential for marriage success—recognizing that each partner brings diverse strengths, backgrounds, and capacities that must be honored and included for true partnership to thrive. What You'll Discover: ✅ Why equity over equality is the foundation of inclusive, successful marriages  ✅ How embracing diversity in partnership roles creates stronger, more resilient relationships  ✅ The importance of inclusion in marriage—ensuring both partners feel valued for their unique contributions  ✅ Why financial peace in relationships isn't just about money—it's about equitable distribution based on individual capacity and circumstances  ✅ Real talk about carrying your weight without falling into the toxic trap of scorekeeping  ✅ How to have difficult conversations that strengthen your bond by honoring each partner's diverse perspective  ✅ Behind-the-scenes insights from a couple who's been practicing inclusive partnership for nearly three decades  DEI in marriage means: Recognizing that partners come from different backgrounds, have different abilities, face different challenges, and contribute differently—and that's not just okay, it's beautiful. Snooks and Lovey show how celebrating diversity, practicing equity, and fostering inclusion creates the foundation for lasting love.  #diversityandinclusion #inclusivelove #marriagepodcast #marriageadvice  Get Your Tickets to the 2026 Winter Ball & Marriage Conference https://www.marriedintocrazy.com

In this episode of the Contacts Coaching Podcast, host Justin interviews Justin Ferdinand, Athletic Director at a prestigious high school in San Mateo, California. They discuss Ferdinand's journey from growing up in San Ramon, California, to playing water polo at Chaminade University in Oahu, and his subsequent transitions through various coaching and administrative roles. The conversation covers the challenges and rewards of being an athletic director, the importance of creating a supportive and equitable sports environment, and the differences between private and public school athletics. Ferdinand also shares insights on managing time, navigating sportsmanship issues, and balancing parental expectations with the needs of student-athletes.00:00 Introduction and Guest Welcome00:27 Justin Ferdinand's Early Life and College Journey01:41 Coaching Beginnings in Hawaii02:27 Transition to Southern California02:51 Advanced Education and Career Progression03:40 Return to Northern California05:01 Reflections on Public vs. Private School Experience08:07 Advice for Young Coaches11:22 Challenges and Insights in Athletic Administration14:10 Building Community and Equity in Sports Programs18:45 Participation and Specialization in High School Sports22:40 Unique Challenges and Successes in Specific Sports25:11 Brotherhood and Faith in Sports27:40 Learning from Other Coaches28:34 Effective Practice Planning32:47 Balancing Pressure and Experience39:41 Addressing Sportsmanship Issues44:48 Challenging Beliefs and Parenting50:39 Decision-Making Process for Young Athletes

We had the great honour of producing a podcast for the ALBA-IBRO Diversity Podcast.This podcast series is a unique resource, a guide that will help you to adress the difficult issue of transitioning from postdoc to team leader. We hope it will inspire you as much as it has transformed our vision of academia !The ALBA-IBRO Diversity Podcast 'From Postdoc to PI' is organized with the support of the International Brain Research Organization, a founding partner of the ALBA Network.This podcast is hosted by The Lonely Pipette, produced by Exaltia and organised with the support of IBRO.Enjoy listening and see you next Wednesday for the broadcast of this limited series, which will be released every two weeks! The ALBA Diversity Podcast interviews neuroscientists from underrepresented groups to better understand their hurdles and victories, and what keeps them going in today's brain research community. In season 2, with IBROs' support, we focus on the transition from postdoc to PI, highlighting the unique challenges faced by postdocs and early-career PIs worldwide. By sharing their experiences and strategies for overcoming obstacles, the podcast aims to provide valuable insights for scientists navigating this critical career stage.To find out more about Renaud and Jonathan : Twitter : https://twitter.com/LePourpre LinkedIn : https://www.linkedin.com/in/renaudpourpre/ Twitter : https://twitter.com/Epigenetique LinkedIn : https://www.linkedin.com/in/jonathanweitzman/%20

In this episode of the Be Wealthy Podcast, Brett Tanner sits down with real estate investor and mortgage expert Josh Mettle to unpack the real truth about building wealth in today's economic environment.Josh shares his journey from buying single-family rentals with little cash flow, to scaling into large multifamily assets, and ultimately becoming a sophisticated investor who understands inflation, risk, and long-term wealth creation.This powerful conversation dives deep into the realities of today's housing market, what actually creates financial freedom, and why many investors get stuck chasing low-return, high-friction strategies. Josh also reveals how he shifted from hustling “for cash flow” to building a portfolio that compounds safely, sustainably, and with far less stress.

Curiosity is one of the most important tools we have for creating deeper connection, healthier culture, and more aligned leadership. When we slow down enough to notice and question our unconscious assumptions, we open the door to new possibilities. This, in turn, expands our sense of hope and improves our ability to collaborate with others. In this conversation, we explore how organizational culture is shaped, how we shape our personal relationships, and the role curiosity plays in shifting limiting patterns in both areas. You'll walk away with practical ways to listen differently, ask better questions, and align your actions with the human you most want to be.In this episode of Mindset Unlimited, I invited Danielle Marshall to join me in a conversation about why leading with curiosity is key to intentionally cultivating what you want in your business and personal life.Some of what we talk about in this episode includes:What you need to build a strong organizational cultureSimple curiosity supporting questions that strengthen relationships in personal and professional life.Recognizing and reframing limiting beliefs that keep you from your potentialPractical ways to slow down, reduce assumptions, and create more intentional connections. Thanks for listening! Have thoughts on this episode? Send me a voice memo: https://www.speakpipe.com/MindsetUnlimited CONNECT WITH DANIELLEWebsiteLinkedInInstagramThe Curiosity Playbook  Unpacked: Culture Chronicles Podcast  CONNECT WITH VALERIE:Sign up for Valerie's newsletterApply to be coached on the podcastSchedule an exploration callListen to the Unlimited Playlist This podcast was produced by Valerie Friedlander CoachingProud member of the Feminist Podcasters Collective Send me a text!Support the show

Send us a textDr. Sara Collins joins Dr. Michael Koren to talk about her journey as a research cardiologist. They discuss Dr. Collins's path through preparatory school, college, med school, and the post-school experience as a cardiologist. They also discuss her role starting a clinical research site in Washington, D.C., and her efforts to leverage the research apparatus to provide equitable care to otherwise disadvantaged and underserved communities. Dr. Collins talks about how there is a racial disconnect in care in spite of the typically good insurance coverage in the D.C. area.Be a part of advancing science by participating in clinical research.Have a question for Dr. Koren? Email him at askDrKoren@MedEvidence.comListen on SpotifyListen on Apple PodcastsWatch on YouTubeShare with a friend. Rate, Review, and Subscribe to the MedEvidence! podcast to be notified when new episodes are released.Follow us on Social Media:FacebookInstagramX (Formerly Twitter)LinkedInWant to learn more? Checkout our entire library of podcasts, videos, articles and presentations at www.MedEvidence.comMusic: Storyblocks - Corporate InspiredThank you for listening!

Equity markets staged a cautious rebound yesterday, with major indices posting modest gains. In Europe, utilities led the advance, lifting the broader market, while in the US, leadership came from big tech and AI-related stocks. Sentiment was buoyed by SoftBank founder Masayoshi Son's revelation that he was “practically crying” to sell the company's Nvidia stake, alongside a strong earnings report from MongoDB. However, not all segments participated in the rally – precious metals lagged, and the energy sector saw a notable reversal. Meanwhile, DarioMessi, Head of Fixed Income Research, discusses expectations surrounding the still-pending appointment of a new Fed Chair for next year and how the bond market is digesting this transition.(00:00) - Introduction: Helen Freer, Product & Investment Content (00:28) - Markets wrap-up: Jan Bopp, Product & Investment Content (06:29) - Bond market update: Dario Messi, Head of Fixed Income Research (10:34) - Closing remarks: Helen Freer, Product & Investment Content Would you like to support this show? Please leave us a review and star rating on Apple Podcasts, Spotify or wherever you get your podcasts.

Give Us Your Ideas For Next The PassivePockets Summit! https://docs.google.com/forms/d/1vwcvF1z03HYiKmR3a4JN8up0ja4kgKPzG2bCGS6640c/viewform?edit_requested=true This Episode It's the November PassivePockets Pulse Check. Jim Pfeifer, Paul Shannon, and Chris Lopez share what's new in their portfolios, the real impact of the Fed's second rate cut, the tool you should use this month (sponsor reviews—now updatable), and how they're setting concrete goals for 2026. Plus: a big announcement: PassivePockets Summit is in Denver, April 30 (arrival) - May 2. Vote on sessions and networking ideas via the survey in the link above. Key Takeaways Portfolio check: capital back from an Aspen Funds industrial deal (tribe structure), 30% return of capital from a Threefold sale, and an unfortunate likely loss tied to the DJE/Ascent situation, why operator integrity and transparency matter Real deals in motion: Paul's Indiana acquisition fully subscribed (rate locked), and an Evansville 56-unit true-distress LOI/PSA walkthrough (what those terms mean and why the team thinks it's a fast operational turn) Rates: two cuts this fall (~50 bps total) boosted sentiment but barely moved longer-term agency debt; example: 7-yr Treasury + spread shifted only ~6 bps between application and lock Outlook: expect a trickle, not a tsunami, of distress into 2026 as “extend & pretend” maturities roll; bid/ask is narrowing, which may push lenders to act Tools & goals: update your Sponsor Reviews (and why “update” notes help the community); Chris is rebalancing toward private credit and Roth-powered compounding, Jim is doubling down on trusted operators and liquidity discipline, and Paul is rotating from cash/metals into equity while keeping a family financial “in case of emergency” plan current Disclaimer The content of this podcast is for informational purposes only. All host and participant opinions are their own. Investment in any asset, real estate included, involves risk, so use your best judgment and consult with qualified advisors before investing. You should only risk capital you can afford to lose. Past performance is not indicative of future results. This podcast may contain paid advertisements or other promotional materials for real estate investment advisers, investment funds, and investment opportunities, which should not be interpreted as a recommendation, endorsement, or testimonial by PassivePockets, LLC or any of its affiliates. Viewers must conduct their own due diligence and consider their own financial situations before engaging with any advertised offerings, products, or services. PassivePockets, LLC disclaims all liability for direct, indirect, consequential, or other damages arising out of reliance on information and advertisements presented in this podcast.

In this episode of RISE Urban Nation, host Taryell Simmons sits down with Renee Hastings, Founder of Executive Help Now, to explore how effective delegation can unlock sustainable growth for Black entrepreneurs. From her early roots in Madison to building a thriving global virtual assistant agency, Renee shares strategies for streamlining operations, trusting the process, and leading with intention. Perfect for solopreneurs, small business owners, and anyone ready to grow smarter—not harder. Unite. Empower. Ignite. Thank you for tuning into the RISE Urban Nation Podcast, where we go beyond conversation to fuel a movement of unity, empowerment, and transformation across the Black and Pan-African community. Each episode dives deep into the stories of entrepreneurs, innovators, and changemakers shaping culture, business, and legacy. Hosted by Taryell Simmons, a leader in Equity, Diversity, and Inclusion, the show blends storytelling with strategy to help you amplify your voice, grow your brand, and lead with purpose. Why Subscribe to RISE Urban Nation? ✨ Inspiring Stories: Learn from influential Black and Pan-African leaders making an impact.

This podcast is brought to you by Outcomes Rocket, your exclusive healthcare marketing agency. Learn how to accelerate your growth by going to⁠ outcomesrocket.com Trust is the foundation of data-driven healthcare transformation. In this episode, Ryan Weber, Solutions Consultant at TransUnion, discusses how data innovation is being leveraged to enhance patient access, minimize friction, and ensure equitable care for underserved populations. He explains how TransUnion's non-credit data, including contact, property, and behavioral information, helps healthcare organizations clean, verify, and enrich patient information to enhance outreach and engagement. Ryan shares how AI and automation streamline onboarding, reduce manual entry, and strengthen care continuity. He also highlights the company's focus on inclusive data strategies, regulatory compliance, and ethical data use to maintain trust while improving both financial outcomes and patient satisfaction. Tune in and learn how data intelligence and trust are shaping the next generation of patient-centered healthcare experiences! Resources Connect with and follow Ryan Weber on LinkedIn. Follow TransUnion on LinkedIn and visit their website! Email Ryan directly here.

It was a pleasure to welcome Jessica Stauth, CIO for Systematic Equities at Fidelity Investments, to the Alpha Exchange. Our discussion explores how quant investing has evolved through cycles of market stress, technological change, and today's extraordinary concentration in the equity landscape. Reflecting on her start in markets in the aftermath of the 2007 Quant Quake and the onset of the global financial crisis, Jessica highlights the foundational lesson that markets contain far more uncertainty than models can fully capture — a theme as relevant today as investors confront narrow leadership and elevated fragility. She explains how early dislocations demonstrated the limits of traditional risk models and the dangers of crowding, especially when many quantitative strategies rely on similar signals or hedging techniques. Turning to the present, Jessica describes how her team builds equity strategies designed to function across regimes, emphasizing the need for diversified risk models, guardrails that prevent overfitting, and a clear understanding of how macro shocks can overwhelm bottom-up stock selection. She details the evolution of factor research, including the durability of broad categories such as value, momentum, and quality, while outlining how competition and data availability reshape their effectiveness over time. Lastly, she discusses the growing role of non-traditional data — from earnings-call text to machine-learning tools and LLM-driven sentiment extraction — while underscoring the importance of broad, consistent datasets that can be applied across global universes. Against the backdrop of the S&P 500's heavy top-weighting, Jessica details how diminished breadth affects opportunity sets, investor demand for alternative approaches, and the search for alpha outside the most crowded areas of the market. I hope you enjoy this episode of the Alpha Exchange, my conversation with Jessica Stauth.

Historian, professor and UC Santa Barbara's Vice Chancellor for Diversity, Equity, and Inclusion, Jeffrey Stewart, celebrates the 100th anniversary of “The New Negro: An Interpretation”, his new edition of that seminal anthology and his 2019 Pulitzer Prize-winning text about “The New Negro” editor Alain Locke.Become a supporter of this podcast: https://www.spreaker.com/podcast/tavis-smiley--6286410/support.

Show Summarywith Lesa Shaw, an experienced Indigenous consultant and community leader with more than 30 years of service across Tribal, federal, state, and municipal sectors. Lesa and I talk about PsychArmor's effort to develop training materials through their effort supporting Native American and Alaska Native Veterans and Service Members. Provide FeedbackAs a dedicated member of the audience, we would like to hear from you about the show. Please take a few minutes to share your thoughts about the show in this short feedback survey. By doing so, you will be entered to receive a signed copy of one of our host's three books on military and veteran mental health. About Today's GuestLesa Shaw is a tribal leader, public-health consultant, and advocate dedicated to improving health outcomes for Native and Tribal communities, especially Native American veterans. She holds a Master of Public Administration degree from the University of Oklahoma. Over her career, Lesa has held multiple roles across federal, state, tribal, and local government. She has served as a contracting officer and practice manager with the Indian Health Service, worked as a health-policy analyst for tribes, and served as a municipal-level elected official in the city of Shawnee at the request of the central tribes. In tribal service, Lesa has worked to bridge cultural traditions and modern health policy — advocating for culturally respectful care that honors tribal identity and heritage while addressing systemic inequalities in access to care. More recently, she has been part of the advisory committee of PsychArmor 's Native American & Alaska Native Veterans Health & Wellness initiative — helping guide efforts to make veteran care more culturally informed and supportive of Native and Tribal peoples. Lesa remains deeply committed to amplifying the voices of Native veterans and their families, building trust between tribal communities and federal care systems, and laying the groundwork for long-term, culturally grounded health equity.Links Mentioned During the EpisodeBTM214 – Dr. Melita “Chepa” RankBTM 220 – CSM(R) Julia KellyBTM222 – Dean DauphinaisPsychArmor Resource of the WeekThis week's PsychArmor Resource of the Week is the PsychArmor course course Understanding the VA for Caregivers. This course helps caregivers navigate and better utilize the services of the VA – the largest integrated healthcare system in the country. The content for this course was developed collaboratively with a working group of various VA Departments. You can find the resource here:  https://learn.psycharmor.org/courses/understanding-the-va-for-caregivers-2 Episode Partner: Are you an organization that engages with or supports the military affiliated community? Would you like to partner with an engaged and dynamic audience of like-minded professionals? Reach out to Inquire about Partnership Opportunities Contact Us and Join Us on Social Media Email PsychArmorPsychArmor on XPsychArmor on FacebookPsychArmor on YouTubePsychArmor on LinkedInPsychArmor on InstagramTheme MusicOur theme music Don't Kill the Messenger was written and performed by Navy Veteran Jerry Maniscalco, in cooperation with Operation Encore, a non profit committed to supporting singer/songwriter and musicians across the military and Veteran communities.Producer and Host Duane France is a retired Army Noncommissioned Officer, combat veteran, and clinical mental health counselor for service members, veterans, and their families.  You can find more about the work that he is doing at www.veteranmentalhealth.com  

Pay transparency isn't a trend - it's a structural shift. If sharing salary ranges makes you nervous, it's not your employees - it's your compensation structure. In this episode, Kerri Roberts (Strategic HR & People Ops) breaks down how to build transparent, fair pay with salary bands, job levels, and a simple rollout plan that earns trust and improves retention. You'll learn:Why leaders avoid pay transparency (and the real risk of secrecy)How to build salary bands, career tiers, and clear criteria for raisesWhat “transparent pay” really means (without sharing individual salaries)A 4-step rollout: Data → Bands → Communicate → Incremental transparencyHow compensation data studies de-risk the process and align leadersWork with KerriCompensation Data Study (benchmarking + internal equity plan): saltandlightadvisors.com/contactHR in a Box (HR foundations + systems): saltandlightadvisors.com/workwithus Resource mentioned:What clarity without the caffeine crash? Try Kerri's personal favorite: Magic Mind and get $40 off your first order by using code KERRIROBERTS at check out or by going to https://magicmind.superfiliate.com/KERRIROBERTS Key ideas: pay transparency, salary bands, pay equity, compensation strategy, posting ranges, trust at work, retention, people operations.Support the show

Interview with Hugh Agro, President & CEO of Revival Gold Inc.Our previous interview: https://www.cruxinvestor.com/posts/revival-gold-tsxvrvg-dual-asset-strategy-offers-near-term-production-long-term-upside-7957Recording date: 27th November 2025Revival Gold presents investors with leveraged exposure to gold price appreciation through a 6 million ounce dual-project portfolio in the western United States trading at substantial discounts to both net asset value and producing peer companies. With the Mercur project in Utah advancing towards pre-feasibility study in 2026 and Beartrack-Arnett in Idaho at pre-feasibility stage, the company offers clear pathways to production on compressed timelines of two to three and a half years respectively.The investment thesis centres on valuation arbitrage within the gold equity spectrum. Revival Gold trades at 0.1-0.2 times net asset value whilst senior producers and royalty companies command 1.0-2.0 times NAV multiples, creating what CEO Hugh Agro characterises as "a real arbitrage there for investors today." The company projects potential revaluation to 0.6-1.0 times NAV as projects advance through permitting and feasibility studies, implying five to six times appreciation over the next two to three years. Equity analysts validate this framework with price targets ranging from two to four times current trading levels.Project economics demonstrate robust margins even within conservative gold price scenarios. Mercur's preliminary economic assessment envisions 100,000 ounces per year production at $1,400 all-in sustaining costs requiring only $210 million capital expenditure, generating net present value of approximately $1.2 billion at current $4,000 gold prices with an 18-month payback period. Beartrack-Arnett complements this with 65,000 ounces per year production requiring merely $110 million capital expenditure leveraging existing ADR processing infrastructure.The modest capital requirements reflect substantial brownfield advantages including existing power, roads, processing facilities, and water infrastructure available for redeployment. Both projects represent former producers with established metallurgical characteristics, community relationships, and operational precedent reducing technical and permitting risk. Mercur benefits additionally from private land ownership enabling streamlined state-level permitting rather than complex federal processes, whilst its dry environment eliminates water management complications.Capital efficiency considerations prove particularly compelling in current market conditions. The company maintains approximately $23 million cash backed by strategic investors Dundee Corporation and EMR Capital, with management emphasising disciplined capital deployment to minimise shareholder dilution whilst advancing projects towards production. As Agro notes, "Every dollar we put out the door right now is costing us roughly 0.2 times underlying NAV," incentivising value maximisation before accessing additional capital.The current valuation incorporates only 2.5 million of the company's 6 million ounce resource base, excluding value attribution for 3.5 million ounces not yet in engineering studies plus underground expansion potential and district-scale exploration upside. This optionality provides organic growth opportunities fundable through initial production cash flows without requiring dilutive external capital.Near-term catalysts include Q1 2026 column leach metallurgical results, ongoing drill result releases from over 70 unreported holes at Mercur, formal permitting launch in early 2026, and pre-feasibility study advancement. Recent drilling has delivered average grades 22% above resource estimates whilst metallurgical recoveries exceed PEA assumptions by 10%, providing progressive technical validation.For investors seeking leveraged gold exposure, Revival Gold offers compelling risk-reward characteristics: substantial valuation discounts to peers, clear production pathways on compressed timelines, robust project economics with strong margins, capital efficiency enabled by brownfield advantages, and significant optionality beyond base case scenarios. The combination positions the company to capture both near-term revaluation as projects advance and longer-term value creation through low-capital production and organic resource expansion.View Revival Gold's company profile: https://www.cruxinvestor.com/companies/revival-gold-incSign up for Crux Investor: https://cruxinvestor.com

What are the core habits of highly collaborative teams?Since Google's Project Aristotle, we've understood that high-performing teams are defined by how they interact, not by who is on them. For today's diverse, multigenerational, and decentralized workforce, supporting healthy interactions requires a strong commitment to specific strategies: the selection of accessible tools and technologies, clear methods to depersonalize conflict, and strong awareness of cognitive biases like “groupthink” and “risky shift.” By integrating these practical and relational strategies, teams can ensure diverse ideas are truly heard and valued.On this episode of Just One Q, Dominique chats with guest Jennifer Porritt, the founder and principal consultant of JP Consulting. Jenn is a human resources and training professional with more than 25 years experience helping leaders evolve and grow to support successful organizations. They discuss the core habits and strategies of highly collaborative teams, exploring the importance of psychological safety, managing constructive conflict, avoiding “groupthink,” and more.Keep Up with Jennifer:https://jp-consulting.ca/Try Learning Snippets:https://dialectic.solutions/signupContact Us to Be a Guest on Just One Q:https://dialectic.solutions/podcast-guest

⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: http://coachcarson.com/rpm  

This week, we're joined by BJJ and Judo black belt, Dr. Chris Round! Chris is the Executive Director at Martial Arts for Social Transformation, Equity, and Rights (MASTERs). In this episode, Chris explains the helpful gripfighting scorecard from his Tactical Grip Fighting system.Follow Chris on Instagram:https://www.instagram.com/chris__circleLearn about Martial Arts for Social Transformation, Equity, and Rights (MASTERs):https://www.martialartsforsocialgood.orgGet Chris' instructional, Tactical Grip Fighting:https://tacticalgripfighting.comMental models discussed in this episode:Grips Dictate Positionhttps://bjjmentalmodels.com/grips-dictate-positionCore Mechanicshttps://bjjmentalmodels.com/core-mechanicsGoodhart's Lawhttps://bjjmentalmodels.com/goodharts-lawTheory of Alignmenthttps://bjjmentalmodels.com/theory-of-alignmentAsymmetric Warfarehttps://bjjmentalmodels.com/asymmetric-warfareDominant Angleshttps://bjjmentalmodels.com/dominant-anglesKinetic Chainshttps://bjjmentalmodels.com/kinetic-chainsCountergrippinghttps://bjjmentalmodels.com/countergrippingInside Channel Controlhttps://bjjmentalmodels.com/inside-channel-controlCrossing the Centerhttps://bjjmentalmodels.com/crossing-the-center⬆️ LEVEL UP with BJJ Mental Models Premium!The world's LARGEST library of Jiu-Jitsu audio lessons, our complete podcast network, online coaching, and much more! Your first week is free:https://bjjmentalmodels.comNeed more BJJ Mental Models?Get the legendary BJJMM newsletter:https://bjjmentalmodels.com/newsletterLearn more mental models in our online database:https://bjjmentalmodels.com/databaseFollow us on social:https://instagram.com/bjjmentalmodelshttps://threads.com/@bjjmentalmodelshttps://bjjmentalmodels.bsky.socialhttps://youtube.com/@bjjmentalmodelsMusic by Enterprize:https://enterprize.bandcamp.com

For this special season finale, recorded live during NYC Climate Week, host Shilpi Chhotray convenes a powerful storytelling event with three frontline media makers: Chantel Comardelle, Alexandra Norris, and B. Preston Lyles.This is more than a conversation about films or campaigns — it's an intimate window into the lived realities of climate and environmental injustice. From Indigenous land loss in Louisiana, to the ongoing fight against the petrochemical buildout in Cancer Alley, to exposing the violence of toxic prisons, this discussion centers the human stories too often sidelined in mainstream climate narratives.Our guests speak candidly about their experiences, what sustains them in the face of systemic harm, why frontline voices must lead solutions, and how storytelling itself becomes a vital tool of resistance, survival, and collective power.This live storytelling event was made possible in partnership with Dr. Margot Brown, Senior Vice President of Justice and Equity at the Environmental Defense Fund (EDF) and the Frontline Resource Institute. Special thanks to Chess Jakobs, Counterstream Media's Impact Producer, who produced this event.Key TopicsFrontline climate and environmental justice: Stories from communities directly impacted by the climate crisis and extractive industries.Indigenous displacement: The Isle de Jean Charles Choctaw Nation and climate-driven migration.Sharon Lavigne's fight against petrochemical expansion in Cancer AlleyToxic prisons: The intersection of mass incarceration, environmental harm, and systemic injustice.How spiritual grounding and faith sustains organizing. Using film and media to reclaim narratives and highlight underrepresented stories.Narrative power: How media shapes perception, policy, and the climate movement's priorities.ResourcesLet No One Lose HeartToxic Prisons CampaignRise St. JamesPreserving Our PlaceIsle de Jean Charles Choctaw NationFrontline Resources InstituteEnvironmental Defense FundOur Sponsors:* Check out Avocado Green Mattress: https://avocadogreenmattress.comAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

US and Ukraine negotiations on Sunday focused on where the de facto border with Russia would be drawn under a peace deal, while the five-hour meeting was said to be difficult and intense, but productive, according to two Ukrainian officials cited by Axios.European and US equity futures are broadly on the backfoot, following on from a cautious mood in APAC trade.DXY is pressured by the stronger JPY following jawboning from Japanese officials and after BoJ Governor Ueda hinted at a December rate hike.Bonds were initially pressured following on from JGB downside, and then took a leg lower alongside Gilt underperformance soon after the European cash open.Crude futures benefit after OPEC+ holds output steady through Q1'26 and in reaction to further Ukrainian strikes in Russian oil refineries; 3M LME Copper surges to fresh ATHs above USD 11.2k/t, but has since scaled back given the risk tone and downbeat Chinese PMI figures.Looking ahead, highlights include US Manufacturing PMI Final (Nov), US ISM Manufacturing PMI (Nov), Saudi-Russia Business Forum, EU Supply. Speak from Fed Chair Powell (Fed Blackout) and BoE's Dhingra.Read the full report covering Equities, Forex, Fixed Income, Commodites and more on Newsquawk

Woke Capitalism: Origins, ESG, DEI, and the Power of BlackRock — Charles Gasparino — Gasparino traces the origins of "woke capitalism," detailing how corporate America became an active institutional agent for progressive social change. This ideological shift, accelerated through boardroom political calculations, led to widespread adoption of corporate acronyms including ESG (Environmental, Social, Governance) and DEI (Diversity, Equity, Inclusion), redirecting corporate focus from shareholder returns toward stakeholder capitalism models. Larry Fink's BlackRockstrategically recognized that managing progressive-oriented investment funds could attract trillions in assets, positioning the firm as a powerful enforcer of these policies across corporate America. 1927

Chris Markowski discusses the complexities and challenges of the financial world, particularly focusing on Wall Street, corporations, and the role of private equity. He emphasizes the importance of understanding the motivations behind financial entities and the inherent conflicts of interest that arise when profit motives overshadow fiduciary duties. McFadden critiques the regulatory environment and the evolution of corporate accountability, warning against the dangers posed by modern financial practices and the need for personal responsibility among consumers.

SummaryThe conversation delves into the evolving landscape of Bitcoin treasury management, exploring the integration of Bitcoin into corporate treasuries, the challenges posed by GAAP accounting, and the strategies for generating revenue through Bitcoin. The speakers discuss the potential for broader adoption of Bitcoin in corporate finance, the valuation challenges faced by Bitcoin-heavy companies, and the innovative approaches being taken to bridge traditional finance with the Bitcoin ecosystem.TakeawaysBlockstream aims to integrate Bitcoin into Wall Street finance.Bitcoin can extend the runway for companies by being part of their treasury.The GAAP accounting treatment of Bitcoin is seen as problematic.Companies are exploring various strategies to generate revenue from Bitcoin.The market for Bitcoin lending is perceived as low risk with low returns.There is a growing interest in Bitcoin as a corporate treasury asset.Valuation of Bitcoin-heavy companies is complex and often misunderstood.The education burden for traditional finance regarding Bitcoin is significant.The future may see consolidation among Bitcoin treasury companies.The focus remains on acquiring more Bitcoin as a primary goal.Chapters00:00 Introduction and Overview of Blockstream01:55 Innovative Financial Strategies in Bitcoin Treasury Management04:28 The Future of Bitcoin in Corporate Treasuries07:13 Navigating Debt and Equity in Bitcoin Investments10:24 Challenges of Bitcoin in Traditional Accounting12:52 The Role of Bitcoin in Financial Markets15:59 Building a Financial Fortress with Bitcoin18:38 Exploring Yield Strategies in Bitcoin Investments21:20 The Intersection of Bitcoin and Traditional Finance23:57 Valuation Challenges in Bitcoin-Heavy Companies27:01 Future Outlook for Bitcoin and Corporate Acquisitions29:06 bp-introoutro_v2.mp4KeywordsBitcoin, treasury management, GAAP accounting, corporate finance, investment strategies, Bitcoin valuation, cryptocurrency, financial markets, Bitcoin treasury companies, Bitcoin adoption

In this powerful and eye-opening conversation, real estate legend Vinney Chopra and bestselling author Gualter Amarelo break down one of the most misunderstood topics in personal finance: the four types of money that determine whether someone stays stuck or builds real, lasting wealth. Vinney shares stories from his life — from arriving in America with $7 to building a multimillion-dollar portfolio — and Gualter brings in his unique "Alchemist" perspective on how everyday people can rewrite their financial future using simple, proven frameworks.   Together, they unpack the core lessons most people never learn, including:  

Personal & Family Reflections Opening segment emphasizes gratitude during Thanksgiving, family bonding, and playing games like poker and dominoes. Anecdotes about family traditions and childhood experiences. Political Commentary Muslim Brotherhood Designation: Discussion on Donald Trump’s executive order to designate the Muslim Brotherhood as a terrorist organization. Ted Cruz explains his decade-long effort to push similar legislation and the challenges faced in Congress. Mentions international context: countries like Egypt, Bahrain, UAE, and others have already banned the group. Highlights implications for U.S. national security. Media Criticism Critique of a New York Times article portraying an undocumented immigrant who stole an American’s identity as a victim. The hosts argue this framing ignores the harm to U.S. citizens and call it propaganda. Statistics cited: about 1 million undocumented workers using stolen Social Security numbers. Cultural & Ideological Issues Discussion of a University of Minnesota webpage describing “whiteness” as a pandemic. Hosts criticize DEI (Diversity, Equity, Inclusion) initiatives and anti-racism frameworks as Marxist and anti-family. Broader argument that such ideologies undermine American values and constitutional principles. Please Hit Subscribe to this podcast Right Now. Also Please Subscribe to the 47 Morning Update with Ben Ferguson and The Ben Ferguson Show Podcast Wherever You get You're Podcasts. And don't forget to follow the show on Social Media so you never miss a moment! Thanks for Listening YouTube: https://www.youtube.com/@VerdictwithTedCruz/ Facebook: https://www.facebook.com/verdictwithtedcruz X: https://x.com/tedcruz X: https://x.com/benfergusonshow YouTube: https://www.youtube.com/@VerdictwithTedCruzSee omnystudio.com/listener for privacy information.

Turn online alignment into an offline community — join us at TheWayFwrd.com to connect with like-minded people near you.What if the most important contract of your life was one you never read, never signed… and never even knew existed?In this episode, I sit down with Michael Joseph, Phil Mederi, and Daniel Menz from the Sacred Honor Educational Fellowship to break down the hidden world of commerce, jurisdiction, and private vs public status, the stuff that quietly shapes your daily life.Most people move through life assuming they're “free,” but the real structure sits underneath, in the language, the commerce system, and the contracts that define your status. Once you understand how the system actually works, you start to see why the trap is subtle… and why the exit requires clarity, not chaos.If you're exploring status correction, common law, the private domain, or how the corporate system actually operates, this conversation will give you a framework that finally makes sense.You'll Learn:[00:00:00] Introduction[00:05:05] Pre-Civil War America: gold-backed money, no income tax, permits, or licenses[00:07:39] People vs. persons: Bill of Rights language vs. 14th Amendment terminology[00:11:41] 1913 Federal Reserve, 1917 Trading with the Enemy Act, wartime powers[00:12:01] 1933 Emergency Relief Act: US citizens made debtors backing the Fed[00:17:52] The original Republic still exists; Americans choose federal or pre-Civil War state citizenship[00:20:34] “State national” has no legal basis[00:35:37] Contracts can't remove unalienable rights without consent[00:42:31] People are controlled by ignorance, not force[00:50:03] Birth certificate bond: future labor as collateral[00:53:52] Legal tender includes bills of exchange, rarely taught[01:01:39] Public vs. private: US citizens as debtors vs. living men and women as credit[01:06:11] The US uniquely allows multiple ways to renegotiate with the corporate fiction[01:10:31] The Trifecta: church, trust, and private clubs[01:12:39] Status correction starts with an affidavit to the Secretary of State[01:16:16] Passport oath: US citizen or non-citizen national unless adding an explanatory statement[01:34:57] Allodial land: true freehold without taxes or encumbrances[01:54:30] Post-1933 concurrent equity vs. pre-1933 exclusive equity[02:06:29] Law of offer: offeror carries liability[02:14:12] Secured vs. unsecured debt in equity[02:22:50] Supreme Court equity filing against 300 elites[02:23:52] Plausible deniability via obscure church tax exemptionResources Mentioned:Movie: Breaking The Spell (available to members only - join here) The Creature from Jekyll Island by G. Edward Griffin | BookEp 193 The Hidden Ledger: Taxes, Debt, & Restoration Of The Living with Govinda Tidball | Spotify or AppleInitiate your Active Fellow Membership in the Sacred Honor Fellowship. It includes exclusive teachings, live calls, community support, and access to advanced support when enrolling in pathways.Learn more about the Sacred Honor Educational FellowshipStep into the transformative reality of Equity Jurisprudence, the ultimate remedy in natural justice with your free copy of Equity Unveiled. Find more from Alec:Alec Zeck | InstagramAlec Zeck | XThe Way Forward | InstagramThe Way Forward is Sponsored By:Designed for deep focus and well-being. 100% blue light and flicker free. For $50 off your Daylight Computer, use discount code: TWF50RMDY Academy & Collective: Homeopathy Made AccessibleHigh-quality remedies and training to support natural healing. Enroll hereExplore hereNew Biology Clinic: Redefine Health from the Ground UpExperience tailored terrain-based health services with consults, livestreams, movement classes, and more. Visit www.NewBiologyClinic.com and use code TheWayForward for $50 off activation. Members get the $150 fee waived

We're bringing you episode 5 of Dana R. Fisher's COP Out podcast, from the Center for Environment, Equity and Community at American University, featuring our own Amy Westervelt and legendary climate scientist Dr. Katharine Hayhoe talking about what happened at this year's COP, whether the process is fixable, and how to get the benefits of global convenings without all the headaches. Check out the rest of Dana's series here: https://cece.american.edu/cece-launches-the-copout-podcast-for-apocalyptically-optimistic-climate-conversations/ Learn more about your ad choices. Visit megaphone.fm/adchoices

As managers and employees, how can we ensure that we support equitable disability accommodations for everyone? The Americans with Disabilities Act (ADA) offers a wealth of protections, but many workers and leaders are unaware of what these protections entail. Luckily, there are experts like Rachel Shaw out there to shed light on their intricacies and help educate us all.Rachel is a leading strategist in workplace inclusion and disability compliance and the author of “The Disabled Workforce: What the ADA Never Anticipated.” She joins me to add clarity to the laws in place to protect people with disabilities—including mental health and pregnancy—and ensure we have access to an equitable work environment that allows us all to be productive contributors, whatever differences of ability we might experience in our lifetimes. Understand your rights and responsibilities around disability inclusion:The most proactive and effective way to ask for an accommodation;The essential accommodation process every organization needs to develop;How much it really costs companies to approve employee requests;What's missing from the ADA and how it's being addressed.Related Links:Connect with Rachel Shaw on LinkedIn - https://www.linkedin.com/in/rachel-shaw-00037745/Learn more about Rachel's work - https://rachelshaw.com/Buy “The Disabled Workforce” - https://www.amazon.com/Disabled-Workforce-What-Never-Anticipated/dp/1544708599Episode 390, How to Manage ADHD in the Workplace - https://www.bossedup.org/podcast/episode390Episode 460, Balancing Work with a Complicated Pregnancy - https://www.bossedup.org/podcast/episode460Episode 123, Pursuing a Promotion While Pregnant - https://www.bossedup.org/podcast/episode123Episode 335, What do mom-friendly Workplaces look like and how to create them - https://www.bossedup.org/podcast/episode335   Episode 311, How to Talk About Marital Status, Parental Status, and Pregnancy in the Interview - https://www.bossedup.org/podcast/episode311Episode 315, How to Talk About Disability or Chronic Illness in the Job Interview - https://www.bossedup.org/podcast/episode315LEVEL UP: a Leadership Accelerator for Women on the Rise - https://www.bossedup.org/levelupBossed Up Courage Community - https://www.facebook.com/groups/927776673968737/Bossed Up LinkedIn Group - https://www.linkedin.com/groups/7071888/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.