Podcasts about Equity

Charles Gasparino, author of Go Woke, Go Broke: The Inside Story of the Radicalization of Corporate America, explores the radicalization of corporate America by tracing the rise of ESG (Environmental, Social, and Governance) and DEI (Diversity, Equity, and Inclusion) initiatives. He argues that these movements, once fringe academic theories, were embraced by corporate elites at global forums like Davos and the UN. This shift was accelerated by the 2008 financial crisis, which led CEOs to adopt "stakeholder capitalism" as a defensive "cover your backside" strategy against progressive populism and threats of government nationalization. The book details how major asset managers like BlackRock and Vanguard leveraged trillions in investment money to force progressive social changes on the companies in their portfolios. Gasparino uses The Walt Disney Company as a primary example of "woke" activism backfiring, noting how political entanglements in Florida and ideological shifts in programming led to significant financial and cultural fallout. He also highlights the story of Sage Steele, who was allegedly forced out of ESPN for holding heterodox, non-woke views. Ultimately, Gasparino documents an ongoing backlash against these policies, as evidenced by massive withdrawals from ESG-focused funds and a retreat from diversity programs by firms like Goldman Sachs. He concludes that "wokeness" is often a distraction from core business responsibilities, such as managing balance sheets, and warns that it divides the country while harming the bottom line. (1)

In this Industry Leader Insights episode, HECM World sits down with John Lunde, Founder and President of Reverse Market Insight (RMI), to explore one of the biggest questions facing the industry today. Drawing on more than 20 years of reverse mortgage market data, John shares his perspective on the trends that have shaped the industry, why record senior housing equity hasn't translated into record reverse mortgage volume, and what lenders, loan officers and business leaders need to do differently to unlock the opportunity ahead. In this episode you'll discover: Why reverse mortgage originations remain well below their historic peak • The surprising disconnect between record housing equity and industry growth • How proprietary reverse mortgages are reshaping the market • The biggest mistakes professionals make when interpreting market data • Why education inside the mortgage industry remains the biggest growth opportunity • How technology, data and integrated systems will define the next generation of reverse mortgage businesses • What successful lenders do differently when building local market expertise Whether you're a reverse mortgage professional, lender, broker, executive or industry partner, this conversation provides valuable insights into where the market has been—and where it's heading next. https://hecmworld.com/2026/08/03/industry-leader-insights-senior-housing-equity-is-at-record-highs-so-why-havent-reverse-mortgages-taken-off/ Subscribe to HECM World for the latest reverse mortgage news, expert interviews and industry insights from across the United States.   

Step into Episode 223 of On The Delo as Delo sits down with longtime friend Chase Goodman, Systems Integrator at Cactus Sight and Sound, for a candid conversation about audio, video, lighting, and a change that's about to hit sports bars hard. From car stereos and houseboats to designing high-end restaurant systems, Chase pulls back the curtain on what really makes a hospitality space feel right and warns operators about the NFL Sunday Ticket shift that could cost them thousands right before football season.This episode blends practical AV wisdom with an urgent heads-up for anyone in hospitality. Chase explains why lighting and sound matter as much as the food, why getting AV involved at the design stage saves money and headaches, and how his team hides speakers, tunes lighting to the time of day, and tailors systems to each concept. Then the conversation turns to the big one: DirecTV's decades-long exclusive on Sunday Ticket has ended, with commercial rights now controlled by Everpass Media—backed by Redbird Capital and the NFL's own equity arm, 32 Equity—and moving to streaming only. Chase breaks down what that means for bandwidth, hardware, cost, and control, and why many bars may decide it's no longer worth it. If you own or advise a bar or restaurant, this is a must-listen before the season kicks off.Chapter Guide (Timestamps)(0:16 - 2:53) Catching Up: Marriage, a New Baby, and Life at 42(2:53 - 5:19) Origin Story: From Car Audio to Bar and Restaurant AV(5:19 - 9:55) Why Getting AV in at the Design Stage Matters(9:55 - 13:20) Lighting Done Right and the Mistakes Owners Make(13:20 - 16:46) Tiering Systems and Everything Cactus Does(16:46 - 19:44) The Team, the Shop, and 20 Years in Business(19:44 - 24:48) What's Next: Lighting, Cameras, and Data Storage(24:48 - 34:02) The DirecTV Sunday Ticket Shakeup Explained(34:02 - 37:09) What It Costs Operators and Why It's Happening(37:09 - 42:36) Rapid Fire and Delo's Close

In this inspiring episode, Sammy sits down with Andy and Kelsey to unpack their remarkable property journey. Starting in their early 50s, Andy and Kelsey share candid insights into the challenges and breakthroughs that saw them generate nearly $2 million in net equity across a 7-property portfolio in just 18 months. From the pivotal decision to sell their family home and embrace rentvesting, to overcoming business setbacks and personal sacrifice, this episode dives deep into mindset, resilience, and the power of strategic action at any age. The pair navigated tough choices, stayed focused on their goals and managed family and social pressures along the way. Their story is a testament to the fact that it's never too late to chase financial freedom, provided you have the right education, the right team and the determination to see it through. Whether you're a seasoned investor or just getting started, you'll come away inspired and equipped with real advice for taking charge of your financial future. This episode is a moving testament to pure resilience, smart investing and the transformative power of taking action, offering inspiration and practical advice for anyone serious about property investing, especially when life throws its harshest curveballs. School of Property is the ultimate education destination to master property investment, with a curriculum meticulously designed and crafted with both beginners and experts in mind. Whether you are a complete novice, or you're ready to take things to the next level in your portfolio, this is the program for you! To find out more, head to ⁠www.schoolofproperty.com.au⁠ If you loved this episode please send it on to someone who would take some value, and please give us a 5 star review if you haven't yet and are loving the poddy!If you want your question answered on our podcast DM us on our socials or email us at ⁠apsteam@australianpropertyscout.com.au⁠ Send us your questions to: Instagram: @australianpropertyscout Want to book a call with us: Website: ⁠https://australianpropertyscout.com.au⁠ Any information, comments, opinions or content that we provide in this podcast is our general observations and information only and it is not to be taken as, or in any way, considered to be financial advice, accounting advice, superannuation advice or legal advice. We strongly recommend all and any listener and participant to obtain their own independent financial advice, accounting advice, superannuation advice and legal advice before acting in any way in relation to any investment at all including any investment in property such as what we might be discussing in this podcast. No warranty, guarantee or representation is to be taken and you cannot reproduce it in any way. Every persons financial or investment situation is different and you must consider your own circumstances before undertaking any investment and be sure to obtain independent advice. Australian Property Scout Pty Ltd | License Number: 10094798 | ABN: 64 638 266 369

Bloomberg reports that Trump's tariffs are likely to stick around despite their unpopularity, signaling that businesses and investors need to treat elevated trade barriers as a structural feature of the economy — not a temporary headwind. We examine the long-term investment implications of a world where tariffs are the new normal.Today's Stocks & Topics: Carpenter Technology Corporation (CRS), Market Wrap, Boston Scientific Corporation (BSX), Boston Scientific Corporation (BSX), Leopold Aschenbrenner, Vertiv Holdings Co (VRT), Tariffs Are Here to Stay: How Permanent Trade Barriers Are Reshaping Long-Term Investing, Key Benchmark Numbers: Treasury Yields, Gold, Silver, Oil and Gasoline, Return of Equity vs. Return of Assets, Fox Corporation (FOXA), iShares 20+ Year Treasury Bond ETF (TLT), The U.S. Treasury.Our Sponsors:* Check out Chilipad and use my code INVEST for a great deal: https://sleep.me* Check out TruDiagnostic and use my code INVEST20 for a great deal: https://www.trudiagnostic.comAdvertising Inquiries: https://redcircle.com/brands

Are you trusting the seller's numbers... or verifying the truth? One of the fastest ways to lose money in multifamily real estate isn't overpaying—it's believing a pro forma that doesn't reflect reality. In this episode, Gino Barbaro explains why experienced investors never rely solely on seller projections and how verifying operating expenses can be the difference between a profitable investment and financial disaster. You'll learn why so many multifamily deals fail, which expenses are commonly underestimated, and how professional investors build conservative underwriting models that protect both their capital and their investors. In this video you'll learn: ✔ Why seller pro formas can be dangerously misleading ✔ The difference between revenue growth and true profitability ✔ The most commonly underestimated operating expenses ✔ How to verify insurance, taxes, payroll, utilities, maintenance, and property management costs ✔ Why experienced investors create their own pro forma instead of trusting the broker's ✔ Red flags that can expose a bad apartment deal before you buy ✔ How to evaluate deals based on cash flow—not hope ✔ Why reducing expenses often creates more value than increasing income Whether you're investing in your first apartment building or already own a portfolio, this episode will help you underwrite smarter, avoid costly mistakes, and make better investment decisions in today's market. One of the biggest lessons from this episode: A seller's pro forma tells a story. Verified expenses tell the truth. If you want to become a disciplined multifamily investor, this conversation is essential.

AP correspondent Karen Chammas reports, the European soccer body declares no confidence in FIFA President Gianni Infantino and vows accountability for failed World Cup equity plan.

We've been raising funds with blockchain and crypto for a decade. But one team believed in a vision that is only now coming to reality. And you need to hear their story.Joris believed that Blockchains will create the ability for all assets to act as 'APIs' and unlock better capital, equity financing and growth... But to do so, he needed to wait for the rest of the world to catch up to his vision.Fast forward to 2026: the entire financial services industry is sold on Blockchain technology. Tokenisation of everything is ongoing. Even the regulators are pushing things forward. So what comes next?On this show we discuss:- An intro to Joris and Fairmint- The history of on-chain equity (the last 10 years)- Getting subpoena'd by Gary Gensler- Opportunities for on-chain compliance and data oracles- What more is needed to see wider adoption of onchain equityThis is one of the best shows we've done in Season 4, so don't miss it!

Mark and Martin Pow return to The Blueprint Podcast Deals, Deals, Deals series after first joining us in November 2025. Based in the South West, Martin started his career as a carpenter while Mark came from a background in car sales. Together they've built a successful property business by combining practical construction expertise with commercial deal-making skills. Now in their second year of the Property Entrepreneur programme, they also share how becoming part of Adam's and Josh's Mastermind groups has accelerated their growth through accountability, collaboration, networking and learning from other experienced property entrepreneurs. In this episode, they take us behind one of their latest projects, The Solways, sharing the real numbers behind a development that released £113,425 of cash, created £572,880 of equity, and now generates over £41,000 a year in cashflow, all while refinancing at a conservative 66% loan-to-value. If you've ever wondered how experienced investors recycle their capital while keeping ownership of the asset, this episode is packed with practical lessons and genuine deal analysis.   The Solways Deal Breakdown Purchase Price: £508,000   Acquisition Costs: Stamp Duty: £40,800 Professional Fees: £31,560   Project Costs: Finance: £71,699 Refurbishment: £336,544 Holding Costs: £15,082   Total Project Cost: £1,003,695   The Results: End Value: £1,690,000 Refinance (66% LTV): £1,117,120 Cash Released: £113,425 Equity Created: £572,880 Monthly Cashflow: £3,426 Annual Cashflow: £41,112 Success and Failure are both very predictable. I hope you enjoy.   Work With Mark / The HMO Agent: If you're an Investor or HMO landlord and want to: Discuss investment opportunities Explore long-term lease options Sell your HMOs, blocks or portfolio Build or scale your portfolio Visit: www.thehmoagent.com Arrange a call with Mark: https://calendar.app.google/Q7DMSzZ7cqtWdUf36   Connect with Mark and Martin Pow. https://www.instagram.com/propertypowbrothers/ www.powproperty.co.uk info@powproperty.co.uk 07816407114   Upcoming Free Live Webinar Britain Is Getting Poorer: Only the 1.8% Are Winning Join Daniel Hill live on Thursday 6 August at 7pm or Friday 7 August at 12pm, where he will be sharing: Why 98.2% of the UK is falling behind, and what it means for property investors. The practical strategies successful investors are using to stay ahead. The five challenges every property business owner needs to solve over the next 24 months.

Apex Fintech Solutions provides the tools and services that enable hundreds of clients to launch, scale, and support digital investing for tens of millions of end investors. The company provides essential infrastructure and a comprehensive ecosystem of cloud-based products to enable and streamline trading, wealth management, cost basis, tax reporting, and, through its subsidiary Apex Clearing™, custody and clearing LEARN MORE: https://apexfintechsolutions.com/?utm_source=Risk+Reversal&utm_medium=Podcast&utm_campaign=701PJ00000fnXhaYAE On today's show, Dan Nathan and Guy Adami break down a wild Thursday in the markets: Microsoft up 15% and Meta down 9% post-earnings, a huge bounce in semis and memory names, and software getting crushed. Guy makes the case that this price action looks more like a topping formation than a bottom. They dig into Fed Chair Kevin Warsh's post-meeting commentary and the bond market selloff it triggered, Bank of Japan intervention on the yen (and what it could mean for volatility), the dollar's potential breakout, Goldman Sachs and Morgan Stanley's pullback from all-time highs, China's AI and chip progress and what it means for KWEB, and where gold goes next after holding the $4,000 level. Plus, Dan sits down with Tim McCourt, Senior Managing Director and Global Head of Equity, FX and Alternative Products at CME Group, to talk about the newly launched Single Stock Futures — how they work, why CME launched them now during earnings season, and how traders can use them alongside stocks, ETFs, and options for risk management. Show Notes AI Lowers Wages But Doesn't Cut Jobs (Apollo) Why the bond market is doubting Fed chairman Warsh (Axios) FactSet Insight (FactSet) —FOLLOW USYouTube: @RiskReversalMediaInstagram: @riskreversalmediaTwitter: @RiskReversalLinkedIn: RiskReversal Media The financial opinions expressed in Risk Reversal content are for information purposes only. The opinions expressed by the hosts and participants are not an attempt to influence specific trading behavior, investments, or strategies. Past performance does not necessarily predict future outcomes. No specific results or profits are assured when relying on Risk Reversal. Before making any investment or trade, evaluate its suitability for your circumstances and consider consulting your own financial or investment advisor. The financial products discussed in Risk Reversal carry a high level of risk and may not be appropriate for many investors. If you have uncertainties, it's advisable to seek professional advice. Remember that trading involves a risk to your capital, so only invest money that you can afford to lose. Derivatives are not suitable for all investors and involve the risk of losing more than the amount originally deposited and any profit you might have made. This communication is not a recommendation or offer to buy, sell or retain any specific investment or service.

Most filmmakers wait until after production to identify their audience and develop a distribution strategy. In this partner episode, GG Hawkins speaks with Greenlight Coverage founder Jack Zhang and Level 33 Entertainment Vice President Andreas Olavarria about evaluating a screenplay's commercial potential before production begins. They explain how AI-assisted script coverage can support—not replace—human decision-making, what distributors look for when assessing independent films, and how the Greenlight List gives screenwriters a path toward $100,000 in equity financing and guaranteed distribution. In this episode, No Film School's GG Hawkins and guests Jack Zhang and Andreas Olavarria discuss... Why filmmakers should consider their target audience, key art, trailer, genre, and distribution strategy while developing the screenplay How Greenlight Coverage uses data science and AI-assisted analysis to evaluate screenplays How Jack developed the platform using data from thousands of films and hundreds of millions of audience data points Why AI script coverage should function as an initial evaluation tool rather than a replacement for human readers How the Greenlight List combines an algorithmic first pass with evaluation by experienced industry professionals What separates a well-written screenplay from a commercially viable independent film Why contained concepts can be more practical for independent filmmakers and investors How originality, plot construction, character development, theme, and audience positioning affect a project's score Why low-budget horror still requires a specific audience and marketing strategy The built-in audiences for horror, thrillers, romance, and Hallmark- or Lifetime-style films How theatrical, TVOD, SVOD, and AVOD distribution windows affect independent film development Why filmmakers may need to hook viewers within the first five minutes on ad-supported streaming platforms How cast members, executive producers, and creators with established audiences can strengthen a film's marketability How the Greenlight List offers its grand prize winner $100,000 in equity financing and guaranteed distribution through Level 33 Entertainment Why writers should use submission deadlines as concrete milestones for completing their screenplays Memorable Quotes: “I think it's so important that filmmakers look at what the end product will be and how they're going to connect that film, that story, with a target audience.” “It has to have a specific audience itch that you're trying to scratch, or it's just going to be one of the thousands of films produced out there sitting on the shelf, unfortunately.” “The film itself should hook the audience in whatever genre in the first five minutes.” “Don't miss a deadline. Hit the submit button. Don't miss the deadline.” Guests: Jack Zhang — Founder of Greenlight Coverage Andreas Olavarria — Vice President at Level 33 Entertainment Resources: The Greenlight List Greenlight Coverage Level 33 Entertainment Find No Film School everywhere: On the Web: No Film School Facebook: No Film School on Facebook Twitter: No Film School on Twitter YouTube: No Film School on YouTube Instagram: No Film School on Instagram

AI investing continues to shape markets as artificial intelligence (AI) moves beyond software and into the physical infrastructure of the global economy. From data centers and chips to space-based compute, autonomous trucks and humanoid robotics, the AI buildout is creating new questions about scarcity, supply chains and where value may accrue next.In this episode of The Bid, host Oscar Pulido is joined by Tony Kim, Head of the Global Technology Team within BlackRock Fundamental Equities. Fresh from his 13th annual technology tour across San Francisco and Silicon Valley, Tony shares what he heard from leading innovators and how the AI conversation has evolved from model development to compute, infrastructure, physical AI and the changing shape of the technology stack.Tony explains why AI investing may increasingly require looking across multiple layers of the ecosystem: the physical layer of power, chips, data centers and cloud infrastructure; the intelligence layer of foundation models; and the application and services layer where disruption remains a central question. The discussion also explores how AI is creating both scarcity and abundance, why data center demand is reshaping supply chains, and how countries and companies tied to the compute build-out may be positioned differently from more service-oriented parts of the market.Check out our previous tech tour episodes with Tony Kim:2025 - https://open.spotify.com/episode/6ffqOgM2CDbJGEoaWjgjIP?si=418fdf5f886c4f622024 - https://open.spotify.com/episode/3ruCZNZ7vHghypqwnQzslg?si=e62206f037df409bKey moments in this episode:00:00 Introduction01:57 AI Wave Expands - How AI investing is expanding from model development into space, robotics and physical systems.05:28 AI Goes To Space - How low Earth orbit satellites could create new forms of AI data and, potentially, new compute architectures.07:51 Physical AI Adoption - Why autonomous vehicles, self-driving trucks and humanoid robots are part of the broader physical AI story10:00 Rewiring The Internet14:38 Where To Invest Now - How the shift in market value toward compute and model-centric companies is reshaping stock market trends.18:55 Risks And Optimism22:38 Wrap Up And What's Next on The Bid AI investing, artificial intelligence, technology investing, capital markets, megaforces, data centers, robotics, stock market trendsSources: BlackRock Fundamental Equities analysis of AI-related capex spending through 2030, as of July 2026; “How much does a GW of data center capacity actually cost” Investing.com, 2025; S&P Global Indices as at July 14th 2026This content is for informational purposes only and is not an offer or a solicitation. Reliance upon information in this material is at the sole discretion of the listener. Reference to any company or investment strategy mentioned is for illustrative purposes only and not investment advice. In the UK and non-European Economic Area countries, this is authorized and regulated by the Financial Conduct Authority. In the European Economic Area, this is authorized and regulated by the Netherlands Authority for the Financial Markets. For full disclosures, visit blackrock.com/corporate/compliance/bid-disclosures.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Episode #1411: California hybrids reclaim the lead over EVs, Tesla reportedly weighs separating its China business ahead of a potential SpaceX merger, and record trade-in equity gives dealers and buyers more room to make a deal. California buyers are p...

The Federal Reserve has held interest rates steady, but growing inflation concerns could keep mortgage rates higher for longer — adding another layer of complexity for older homeowners and the reverse mortgage industry. In this week's HECM World Weekly, we look beyond the headlines to unpack what the latest economic, housing and retirement data really means for the industry. We cover: Why the Fed held rates despite growing pressure to act on inflation Home prices reaching another record — while actually falling in real terms Why stagnant homeownership and extremely low homeowner vacancy matter for aging in place The rapid growth of proprietary reverse mortgages — and why unit counts only tell part of the story Why HECM dollar volume presents a stronger picture than originations alone New research showing older Americans becoming more defensive about retirement Why liquidity, resilience and downside protection could become increasingly important to reverse mortgage conversations Older Americans continue to hold extraordinary levels of housing wealth. But with inflation, higher rates and retirement uncertainty changing the financial landscape, how that equity is used — and the products available to access it — is becoming increasingly important. For more reverse mortgage news, research and industry insights, visit HECM World. https://hecmworld.com/2026/07/31/hecm-world-weekly-fed-holds-rates-as-inflation-pressure-builds-while-housing-equity-tells-a-more-complicated-story

7/31 Hosts: Josh Silver & Buz Eisenberg Max Page of The Mass Teachers Assoc w/ Jim Baude of Boston Public Radio & Renee Loth of The Boston Globe: Reforming the ballot process & rules that effect election ethics David Detmold: Walking for social change Carolyn Misch, Northampton Director of Planning & Sustainability: Picture Main Street Project Artbeat w/ Donnabelle Casis & guests Danielle Amodeo of Arts Equity Group and Multimedia artist Angelica Olstad: The current exhibition, Music for Healing, at PaperCity Clothing Gallery in Holyoke

Senators stall Todd Blanche over Trump's IRS protections, Patty Murray exposes alleged ICE coercion, and Neil Aquino examines Whitmire, Houston protests, and the attack on minority contracting.Subscribe to our Newsletter:https://politicsdoneright.com/newsletterPurchase our Books: As I See It: https://amzn.to/3XpvW5o How To Make AmericaUtopia: https://amzn.to/3VKVFnG It's Worth It: https://amzn.to/3VFByXP Lose Weight And BeFit Now: https://amzn.to/3xiQK3K Tribulations of anAfro-Latino Caribbean man: https://amzn.to/4c09rbE

In Episode 51 of Plant. Harvest. Prosper., host Kellen Williams tackles one of the most misunderstood risks in wealth building: concentration. It's the force that creates nearly every great fortune, and the same force that quietly threatens to take a significant portion of it back.

Thank you Marg KJ, Judy, LBW, and many others for tuning into my live video!* ‘Withdraw Immediately': Blanche Confirmation Process Delayed Over Trump IRS Audit Shield: “Blanche had months to deliver on the demands both senators and the people have had of him, and he has failed, proving he only serves President Trump,” said one advocacy group. [M… To hear more, visit egberto.substack.com

Pakistani Foreign Ministry Spokesperson said discussions between Tehran and Washington are ongoing regarding the situation in the Strait of Hormuz and de-escalation, Al Jazeera reported.Al Arabiya added that tangible results have not yet yielded results (Brent -0.1%)US equity futures are firmer across the board despite contrasting Meta (-8.8% pre-market) and Microsoft (+8.8% pre-market) earnings.DXY rebounds following the FOMC-induced losses, with focus now on PCE and GDP metrics.Fixed income benchmarks are lower across the board; BoE policy announcement awaits. Looking ahead, highlights include German Inflation Flash (Jul), US GDP Advance (Q2), PCE (Jun), Initial Jobless Claims (Jul/25), Personal Spending (Jun), Chicago Fed Labor Market Indicators (Jul), BoE Policy Announcement & MPR (Jul). Speakers include BoE Governor Bailey, Earnings from Bristol Myers Squibb, Mastercard, Apple & Amazon.Read the full report covering Equities, Forex, Fixed Income, Commodites and more on Newsquawk

On this episode, Ian Ross, Partner at Concentric Equity Partners, discusses how being a family backed private investment firm changes the economics of lower middle market investing. Learn why fund-cycle pressure pushes firms to sell their best companies early, and how removing that pressure supports a feed-the-winners strategy that keeps reinvesting in businesses as they grow, using growth, multiple arbitrage and leverage to build enterprise value along the way.Hear how portfolio companies can weigh short-term EBITDA dips against long-term payoff, why customer acquisition cost and lifetime value apply just as much to services businesses as SaaS, and how leadership teams can navigate AI-driven shifts in marketing and go-to-market strategy by building the trust needed to try new approaches with management.The information contained in this podcast is not intended to constitute, and should not be construed as, investment advice.

Gift of Equity: Making Your Kids' Homeownership Dream a Reality with Family SupportImagine this common scenario: your adult children are ready to take the exciting leap into homeownership, but the current housing market feels like an insurmountable mountain. Sky-high home prices, coupled with the ever-present challenge of saving for a substantial down payment and covering those pesky closing costs, often leave them feeling frustrated and stuck. You, as a parent, might wish you could wave a magic wand and make their dream come true, especially if they're eyeing the very home you've lovingly maintained for years. What if we told you there's a powerful, often overlooked solution that allows you to help your children overcome these financial hurdles, potentially keeping your cherished family home in the family, all while simplifying the selling process for you? It's called a Gift of Equity, and it's a brilliant way for parents to provide a significant boost, transforming a challenging real estate transaction into a smooth, family-focused success story. At DDA Mortgage, we specialize in guiding families through this unique and beneficial process, helping both buyers and sellers navigate the nuances with confidence and clarity.Structuring the Purchase Price: Aligning Parent Goals with Family HomeownershipWhen parents consider selling their home to their children using a Gift of Equity, one of the first and most crucial steps is determining the actual sale price. This isn't just about putting a number on a house; it's about aligning your financial goals as parents with your desire to help your children achieve homeownership. The beauty of a Gift of Equity lies in its flexibility, allowing you to structure the deal in a way that benefits everyone involved.Flexibility and Family-First ApproachThe beauty of a Gift of Equity sale is its inherent flexibility. It allows families to tailor the transaction to their unique circumstances and goals. It's a transaction built on trust and shared objectives, fostering a truly family-first approach to homeownership. By clearly defining your financial goals and understanding the home's market value, you can strategically structure the purchase price to maximize the benefits for both generations. Our team at DDA Mortgage is here to help you understand these options and ensure the structure you choose aligns perfectly with your family's vision.tune in and learn https://www.ddamortgage.com/blogDidier Malagies NMLS #212566dda mortgage nmls#324329 Support the show

Rick Sharga, founder of CJ Patrick Company, discusses current housing market conditions and economic trends. Rick explains that despite mortgage rates tripling since the pandemic, the housing market has shown resilience with 49 consecutive months of year-over-year price increases, though sales volume remains down for three years. He noted that while affordability remains a challenge with a $40,000 wage gap for median-income buyers, recent data shows pending sales and mortgage purchase applications running ahead of last year, suggesting pent-up demand may soon drive market recovery. Rick highlighted that inflation concerns stem largely from energy price increases following the Iran conflict, and emphasized that wage growth continues to outpace home price growth, making affordability slightly better. He also discussed how builders currently face a 10-month supply of new homes while existing home inventory remains tight, creating opportunities for investors in both markets. EmpoweredInvestor.com/Ai EmpoweredInvestor.com/Ask Reach out to our Investment Counselors 1-800- HARTMAN Ext. 2 PropertyTracker.com https://cjpatrick.com #HousingMarket #RealEstateReset #MarketRecovery2027 #MortgageRates #HousingAffordability #EconomicGrowth #InflationWatch #HomePrices #RealEstateInvesting #PentUpDemand #SingleFamilyRentals #HousingInventory #JobMarket #GDP #StockMarket #HomeEquity #NewHomeConstruction #SunBeltRealEstate #CJPatrickCompany #DListing #CapitalGainsTax #ApartmentMarket #HousingStarts #EconomicOutlook   Key Takeaways: Jason's editorial 0:00 Updating my clone's virtual brain 6:10 Refi vs. HELOC   Rick Sharga Interview 14:34 GDP growth, stock market and inflation 23:20 Unemployment, job and wage growth 25:52 The housing market- single family and apartments 30:31 Mortgage rates and home prices 35:35 Price trends, inventory levels and the factors that show promise 37:26 Existing and new home sales 41:02 Housing starts are at a 5-year low 42:47 Closing thoughts  

Zaretta Hammond has spent her career pushing school leaders past feel-good equity language and into the instructional core, where the real gaps live. Her latest book, Rebuilding Students' Learning Power: Teaching for Instructional Equity and Cognitive Justice, names a pattern she calls cognition redlining — the quiet, well-intentioned way schools underdevelop the thinking capacity of historically marginalized students. She's the author behind Culturally Responsive Teaching and the Brain, a text already sitting on most instructional coaches' shelves. Districts have poured billions into equity work for three decades, and the outcomes for Black, brown, Indigenous, and linguistically diverse students haven't moved. Zaretta Hammond says that's not a funding problem or an effort problem — it's a cognition problem, and most principals have never been trained to see it.

Donna Sky on Employee Ownership, Legacy, and the Future of Private Practice. Lemme ask the group practice owners a question: What's your business plan for the end of capitalism? OK, so we're not quite there yet, but "something" is pushing private practices closer to the cliff's edge of capitalism, the inevitable collapse of unbridled growth for no other reason than greed. Group practice owners who want to land safely should prepare for what comes next. Employee ownership (EO) could be what's next. Donna Sky is senior manager of business and engagement and partnerships at Project Equity. This national non-profit helps business owners explore EO and build more equitable, resilient workplaces and communities.  "There have been a lot of success stories," Donna says. "The first step is to think about what's important to you and then educate yourself." Group Practice (R)evolution is a podcast series offering insights from owners, employees, and experts, and resources to support this wildly ambitious vision for the future. Become a part of the (R)evolution in our Authentic Leaders Group. Join the waitlist for the next Authentic Leaders Group cohort. This is a journey of self-discovery and leadership mastery, where you'll not only enhance your leadership skills but also forge meaningful connections with fellow therapists who are committed to their own growth and the betterment of the therapy field. Apply now! UPCOMING EVENTS Check the calendar for opportunities to connect with Sarah and earn CEs. SUPPORT THE SHOW Sarah's Downloadables Join our Patreon for gifts & perks Shop our Bookshop.org store and support local booksellers Share a rating & review on Apple Podcasts   *** Let's be friends! You can find me in the following places… Website Facebook @headheartbiztherapy Instagram @headheartbiztherapy

In today's episode, Kim Taylor and Julie Bloss from NAESP's Center for Early Learning Leadership talk with Jillayne Flanders and Dr. Orinthia Harris about how school leaders can begin conversations about empathy, equity, belonging, and anti-racism with young learners, staff, and families. From leading with heart to helping children see themselves represented, this conversation explores practical ways school leaders can support belonging in early learning communities. Jillayne Flanders is an author, educational consultant, and former elementary principal. Dr. Orinthia Harris is a former early childhood educator and founder & CEO of STEMearly LLC. Julie Bloss, a retired principal, is fellow at the NAESP Center for Early Learning Leadership. Kim Taylor is principal of F.X. O'Regan Early Childhood Development Center in Franklin, Massachusetts, and fellow at the NAESP Center for Early Learning Leadership.

One of the defining market stories of the past 12 months has not been AI chips that compute, but the chips that remember. Equity analyst Shan Rui Yeo explains how memory works, from DRAM and NAND to high bandwidth memory, and how an industry that destroyed wealth for four decades became disciplined after consolidating to three players in 2013. He then walks through what changed: AI inference has made memory the key bottleneck, memory content is climbing with each new generation of GPUs, and new supply takes three to four years to build. With prices up sharply and customers signing long-term agreements, Part 1 of this three-part conversation lands on a commodity industry whose business model is changing in real time.   Key Takeaways Memory is a commodity with a three-to-four-year supply lag, which is why the cycle has always been difficult. Consolidation to three players in 2013 turned four decades of wealth destruction into at least 15% returns on capital through the cycles. In AI inference, memory bandwidth sets the speed of token generation, making memory the key bottleneck. NVIDIA's Rubin GPU carries 384 GB of DRAM, the equivalent of 32 iPhones per GPU, or 160 million iPhones across five million GPUs. HBM consumes three times the wafer capacity of standard DRAM (four times with HBM4) and is forecast to absorb 30% of DRAM wafers by 2027. DRAM contract prices are up roughly 200% year to date and 400 to 500% year over year, and price increases are reaching phones, laptops, and consoles. Customers are signing three-to-five-year agreements with prepayments, which could support a re-rating of memory companies.   Companies Mentioned: Samsung Electronics, SK Hynix, Micron, NVIDIA, Intel, Texas Instruments, Apple, Nintendo   Host: Rob Campbell, CFA, Institutional Portfolio Manager Guest: Shan Rui Yeo, CFA, Equity Analyst   This episode is available for download anywhere you get your podcasts.   Founded in 1974, Mawer Investment Management Ltd. (pronounced "more") is a privately owned independent investment firm managing assets for institutional and individual investors. Mawer employs over 250 people in Canada, U.S., and Singapore.   Visit us at: https://www.youtube.com/@MawerInvestment https://www.mawer.com https://www.linkedin.com/company/mawer-investment-management/ https://www.instagram.com/mawerinvestmentmanagement/ #ArtOfBoring #MawerInvestmentManagement #MawerInvestment #Podcasts

Most acquisitions look strong on paper. The real challenge begins after the deal closes.In this episode of The Authority Company Podcast, Joe Pardavila sits down with J. Michael Coffey, author of G.A.L.E. Force: Navigating Strategy, Culture, and Value Creation in Modern M&A, to explore why so many mergers and acquisitions fail to meet expectations, and why culture often becomes the biggest obstacle after closing.Michael shares lessons from helping H.E. Parts acquire 14 companies, expand into seven countries, and eventually become part of Hitachi. He explains the principle behind his G.A.L.E. Force framework: global aim, local execution.Joe and Michael discuss the evolution of private equity, the rise of growth through acquisition, the hidden complexity of post-merger integration, and why financial projections often miss the human realities that determine whether a deal succeeds.Michael also shares stories from Chile, global mining operations, competing against industry giants like Caterpillar and Komatsu, and what it feels like to move from acquirer to acquiree.If you're a CEO, founder, investor, private equity leader, operator, or executive involved in M&A, this conversation offers a practical look at how companies can create lasting value after the deal is done.Chapters00:00 Intro00:43 Buffalo Bills vs. Jets01:00 How private equity changed M&A02:55 Why the book opens in Chile03:10 Building H.E. Parts as a David vs. Goliath story04:13 Why mining operations never stop05:10 Why global customers needed H.E. Parts in multiple markets06:21 Expanding into Australia, Chile, Peru, Canada, the U.S., and Zambia07:00 Competing against OEM giants like Caterpillar and Komatsu08:24 The power of being small and agile08:53 Is mining still the Wild West?10:07 Centralized ownership vs. decentralized operations10:26 What “global aim, local execution” means12:49 Why customers wanted an alternative solution13:44 Why culture is the nemesis of modern M&A14:02 How global and local cultures clash after acquisitions15:37 Why you can't force one culture on another16:28 Innovation as a shared cultural principle18:00 The Chile soccer story19:23 Turning local culture into a business advantage20:47 Why culture gets ignored during dealmaking21:36 Why culture ranks low before close and first after close23:04 Why many deals miss their financial goals23:29 The “hockey stick” problem in projections25:00 How G.A.L.E. Force improves post-close success26:16 Moving from acquirer to acquiree26:43 Why leaving H.E. Parts was emotionally difficult28:24 When founders struggle with the decision to sell29:39 Where to find G.A.L.E. Force29:51 Closing

Vi kollar tillbaks på årets Wikimania och hyllar alla som vann pris i årets Wikimedian. Shownotes Samanfattning av Wikimania Jans anteckningar Årets Wikimedianer Årets Wikimedian: Jules* Wikimedia pristagare: Dreamyshade Wikimedia pristagare: Barkeep49 Gemenskapsskapare: Chlod Hedersomnämnande: Mari Avetisyan Hedersomnämnande: Hijiri Favoriter Magnus favorit/tips 1: State of Wikimedia & AI 2026: Freedom, Equity, Reliability at a Crossroad (video) Magnus favorit/tips 2: Tabular data vs. structured data – How do we get to a win-win solution? (video) Magnus favorit/tips 3: Research, ”liberté-track”, (video) What Are Our Traffic Trends Telling Us and Why Does It Matter for the Movement? Are Wikimedians using AI in their work (and if yes, how)? Findings from the 2026 Community Insights survey Is Wikimedia a streamable data commons? From Dumps to Data Flows in the Age of AI Extraction From open data to sustainable data commons: A multilayered ecosystem (Construire un modèle de protection des contributions face à l'enclosure des contenus culturels numériques) Can Source Reliability Be Predicted on Wikipedia? Evidence from Feature Analysis Jans favorit/tips 1: Social integration of the new generations: How do we turn casual editors into community leaders? Jans favorit/tips 2: Three things about Wikimedia that even experienced Wikimedians might not know Jans favorit/tips 3: Adding and Managing Structured Data on Wikimedia Commons Nästa program Preliminärt 29 augusti Erkännanden Bild: Simon Delahaye for the Wikimedia Foundation, CC BY-SA 4.0 Musiken och ljudklippen är från Surf Shimmy Kevin MacLeod (incompetech.com), CC BY 3.0, samt Wikimedia Sound Logo Finalist VQ97, Thaddeus Osborne, CC BY-SA 4.0, och ljudet från Wikidata’s 10th birthday video intro animation, Lea Lacroix (WMDE), CC BY-SA 4.0. Avsnittet hittas också på Wikimedia Commons. Diskutera avsnittet på projektsidans diskussion.

Show SummaryOn today's episode, we're having a conversation with Dr Debbie Bradbard, Military and Veteran Spouse and the inaugural director of the Boeing Center for Veteran Transition and Military Families at the Virginia Tech in Alexandria, VA. The center's goal is to harness the potential of service members, veterans and their families to thrive in tomorrow's workforce—through skills, mentorship, research, entrepreneurial support, and resources that build future-ready careers and drive economic opportunityEpisode Partner: This episode is sponsored by CareLinx by Sharecare, connecting Veterans, Service Members, and military Families with trusted home care and caregiver support.  Provide Support: Take a moment to turn your gratitude into action. For just $15, you can help provide military culture training to one person who supports veterans and their families, equipping them to respond with greater understanding, confidence, and care. GIVE HERE through our giving page at psycharmor.org. Provide FeedbackAs a dedicated member of the audience, we would like to hear from you. If you PsychArmor has helped you learn, grow, and support those who've served and those who care for them, we would appreciate hearing your story. Please follow this link to share how PsychArmor has helped you in your service journey Share PsychArmor StoriesAbout Today's GuestDeborah Bradbard is the inaugural director of the Boeing Center for Veteran Transition and Military Families at the Virginia Tech in Alexandria, VA.  As a Senior Researcher at Syracuse University's, D'Aniello Institute for Veterans and Military Families (IVMF), Bradbard spent nearly a decade publishing signature publications and shaping policy and best practices for veterans and military families.  Her work on military spouse and veteran employment have been cited by the White House, members of Congress, CNN, the Center for Deployment Psychology and utilized by national professional organizations including The American Psychological Association (APA) and The Society for Human Resource Management Foundation (SHRM) where her work has been downloaded by over 20,000 human resource professionals nationwide.  As Director of Research and Policy at Blue Star Families (BSF), she directed implementation of their national survey whose results have had an enduring influence on military family policy on spouse employment, childcare, and financial readiness. In the private sector at Booz Allen Hamilton, she developed clinical support tools that have been utilized by providers across the entire military health system of over 3 million users.  A frequent speaker for national conferences, Bradbard educates policy makers, elected officials, and employers about the evolving needs of the military community.  A psychologist by training, Dr. Bradbard received her Ph.D. from Auburn University and her MPA from Syracuse University.Links Mentioned During the EpisodeBoeing Center for Veteran Transition and Military FamiliesVirginia Tech in DC on LinkedInDr. Bradbard on LinkedInPsychArmor Resource of the WeekThis week's PsychArmor Resource of the Week is the PsychArmor Course Understanding and Utilizing Your Educational Benefits. provides service members, Veterans and their families with a comprehensive overview of the U.S. Department of Veterans Affairs educational benefits program. You can find the resource here: https://learn.psycharmor.org/courses/Understanding-and-Utilizing-Your-Educational-Benefits 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  

Many talented professionals never realise there are investors willing to back them to buy and run an established small business, even if they have never been a CEO or worked in that sector before.In this episode of Unsung, host ⁠Will Maunder-Taylor⁠ speaks with ⁠Pascal Wittet⁠ and ⁠Sandy Farmer⁠, Co-Founders of ⁠Orca Equity Partners⁠, the UK's first and most active fund of search funds. They explain how Orca backs first-time CEOs across Europe, what they look for in aspiring business owners and why stable, cash-generative and often “boring” companies can offer compelling acquisition opportunities and large returns.They also explore what happens after a deal, from building the management team and introducing better systems to professionalising the business for its next stage of growth. Pascal shares the story of Water Direct, which grew from roughly £3 million to around £10 million in EBITDA and delivered a return of more than five times invested capital in under three years.HighlightsWhy investors back first-time CEOs with no sector experienceHow the search fund model worksWhat Orca looks for in aspiring business ownersWhy stable, cash-generative and “boring” businesses can be attractiveHow succession creates opportunities to acquire strong companiesWhat new CEOs should prioritise after taking overWhy empathy and humility matter when buying from a founderHow Water Direct delivered a return of more than 5xFor more on entrepreneurship through acquisition, small business ownership and Unsung events, ⁠subscribe to the Unsung newsletter⁠⁠.Timestamps(01:22) Introducing Orca Equity Partners(02:16) How Sandy moved from private equity into search funds(06:32) Why backing first-time CEOs can work(10:07) Search fund returns and CEO incentives(13:42) What makes a strong acquisition target(17:40) How searchers find overlooked small businesses(21:07) Using technology and professionalising acquired companies(29:28) What Orca looks for in future CEOs(36:14) The Water Direct story(42:23) Adam Johnson's first year as CEO(46:13) Building the right management team(51:51) Water Direct's growth and liquidity event(58:23) What the story means for aspiring business owners(59:22) Leadership, humility and lessons from the military(1:07:23) Closing thoughts

In this episode of Late Night in the Library featuring Cafecito con LALSA, we look beyond the single story that is attached to the word Immigrant. Delving into the lives shaped by courage, sacrifice and resilience, three Widener Law Commonwealth students reflect on identity, family, and the invisible threads that have pulled together their ambition. Each journey, different in its own way, reveals what it means to move forward while carrying the past. Because arrival is only the beginning, what comes next, is where transformation lives.  Cafecito con LALSA (Latin American Law Student Association) is a student run podcast where traditional and non-traditional law students come together to share their unique journeys through law school. Hear the voices of minority students as they discuss their challenges and triumphs, and listen to diverse perspectives on a wide range of topics. Tune in for a dynamic conversation that reflects the rich tapestry of the Widener Law Commonwealth student experience. Topics Covered 00:00 Introduction: The Immigrant Story 01:12 Welcome to Late Night at the Library & Introductions 02:08 Where Our Stories Begin: Family Roots 05:34 Early Memories and Adaptation 11:34 Home Life, Community, and Food 24:16 Navigating Identity & Professionalism in Law School 32:45 Cultural Assimilation and Staying Grounded 41:10 Overcoming Obstacles and Professional Growth 52:30 Redefining Success and Family Legacy 1:03:15 Looking to the Future & Words of Advice 1:11:40 Closing Thoughts & Acknowledgments 1:13:00 End Widener University Commonwealth Law School is the Pennsylvania capital's only law school, with four specialized centers of legal scholarship through its Law & Government Institute, Environmental Law and Sustainability Center, Business Advising Program, and Center for Equity and Justice. Widener Law Commonwealth offers an exceptional learning experience that is personal, practical, and professional. Visit commonwealthlaw.widener.edu for more information. Transcript: https://drive.google.com/file/d/1U-v6mxb1caYkGIlUX7zgt626a4ZMFWnW/view?usp=sharing  Music Credit: "Late Night Crush" by Netuno https://www.pond5.com/royalty-free-music/item/312639960-late-night-crush-short-intro-dance-upbeat-house-urban-party 

Brand equity is essential to win on AI platforms. Equity can't be built without memory, and memory can't be built without attention. WARC's Alex Brownsell discusses what role attention plays in AI visibility for brands, and practical advice to implement, with experts Dr. Karen Nelson Field, Carl Wåreus and Scott Reinders. Guests: Dr Karen Nelson-Field, Founder & CEO of Amplified Carl Wåreus, Head of Partners & Specialists, Google Nordics Scott Reinders, COO, Connect - part of The Up&Up Group Chapters: 00:00 - Intro: Brand, AI Search and Attention on The WARC Podcast 02:08 - From Blue Links to Conversations: How AI is Changing Search Behaviour 03:31 - Collapsing the Messy Middle: LLMs as the New Consideration Engine 04:41 - Brand Equity as an AI Ranking Signal: Google Example from Sweden 06:54 - Levers vs Drift: Managing Brand Signals AI and LLMs Can See 08:21 - Automated Creative at Scale: Avoiding the ‘AI Slop' Trap 10:32 - Visibility Starvation: The Risk of Low-Attention, Fast-Decay Media 12:32 - Misattribution and Invisibility: How Low Attention Hurts LLM Visibility 14:54 - Media Quality Redefined: High-Attention vs High-Intent Environments 16:14 - Silent Zone vs Vocal Zone: Human Noise, Reviews and AI Training Data 18:37 - Moving Beyond an Attention Metric: Attention as System Architecture 19:35 - Inside Attention AI: Generative Attention Modelling for Media and Creative 22:54 - Media Ceilings, Creative Hooks: How Formats and Assets Shape Attention 26:58 - Practical Advice: Multiplying Brand Equity, Attention and AI Visibility For 40 years, WARC has been providing the marketing industry with rigorous, unbiased evidence and expert effectiveness guidance. The WARC Podcast publishes a new episode every Tuesday and Thursday. Subscribe to The WARC Podcast here: https://www.warc.com/en/warc-podcastsSign up to daily WARC News for free: https://www.warc.com/en/latestBook a demo: https://www.warc.com/en/subscribe

In this episode, Serena Verma shares her journey through real estate investing, her innovative software solutions for short-term rental accounting, and her insights on leveraging technology and data analytics for business growth.   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   —--------------------

US equity futures gapped higher following the pause in US strikes on Iran since Friday night; Risk sentiment underpinned by a decline in oil prices and yields.US CENTCOM commander Cooper advised the Pentagon and the White House that the next possible step is to return to a large-scale military operation.Iranian media reported that an oil tanker exploded in the Strait of Hormuz after hitting a naval mine when it deviated from a navigation route designated by Iran.Yemen's Houthis said they carried out operations against Aramco facilities in Saudi's Jizan and Yanbu.European equity futures indicate a positive cash market open with Euro Stoxx 50 futures up 0.8% after the cash market closed with gains of 1.1% on Friday.Looking ahead, highlights include German Ifo (Jul), US Durable Goods Orders (Jun), Atlanta Fed GDP (Q2). Supply from the US. Earnings from LVMH & AstraZeneca.Read the full report covering Equities, Forex, Fixed Income, Commodites and more on Newsquawk

Send us fan responses! You can feel it when someone stops asking for permission and starts building systems. We go straight at the belief that you need a license, a filing, or a public stamp to protect your family, run commerce, or pass down wealth. Our focus is the “private life” approach: private contracts first, then structures that keep your household from getting dragged into the public maze of liability, lawsuits, and endless fees.We walk through the episode's backbone idea: family law as private law. That shift changes how you think about estate planning, asset protection, and generational wealth. We talk about why trusts were created in the first place, what a private family business trust is meant to do, and why the trustee role is not a vibe but a fiduciary job. If you have ever wondered how the wealthy keep control while staying insulated, we dig into the mindset behind “own nothing, control everything” and the difference between personal ownership and controlled administration for beneficiaries.We also get into the real world mechanics people ask about, including how an unincorporated association is described as a private contract that can interact with banks, how a layered structure can separate holding and operations, and why probate is where many families lose leverage. On the tax side, we discuss Gregory v Helvering, substance over form, and the line between tax avoidance and tax evasion. Finally, we touch private wealth building themes like tangible assets, insurance strategies, and continuity planning designed to keep a legacy intact.If this challenged your assumptions, subscribe, share this with someone building a family legacy, and leave a review so more people can find the conversation. What part of the private trust framework do you want us to unpack next?https://donkilam.com FOLLOW THE YELLOW BRICK ROAD - DON KILAMGO GET HIS BOOK ON AMAZON NOW! https://open.spotify.com/track/5QOUWyNahqcWvQ4WQAvwjj?autoplay=trueSupport the showhttps://donkilam.com

Deals don't usually fall apart because people can't agree on the price. They stall during discussions about what happens after closing if a representation turns out to be wrong. That's why we're seeing representations and warranties insurance (RWI) show up in more conversations with buyers, sellers, private equity firms, and transaction attorneys, and why it's becoming a practical tool for reducing post-closing uncertainty in mergers and acquisitions.We're joined by CRC Chicago specialists Josh Arnold and Rommel Mayuga to explain what RWI actually does, what it can cover, and why buyer-side placement has become so common. We also talk about the real deal mechanics: indemnity caps, survival periods, escrow pressure, and why a clean recovery source can remove friction when the parties are stuck.As M&A activity rebounds in 2026, the RWI market is evolving as well. More carriers are willing to consider smaller and middle-market transactions, and underwriting has become more efficient, but diligence still drives the outcome. We share a practical example from the private equity world where consistent carrier relationships and early alignment helped speed indications and support a multi-acquisition strategy. If you're a retail agent, our biggest guidance is simple: loop us in at the LOI or draft purchase agreement stage so we can help assess fit, anticipate diligence needs, and keep timelines from getting squeezed at the finish line. Visit REDYIndex.com for critical pricing analysis and a snapshot of the marketplace.Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

Octopus Energy paid its UK customers collectively over £100,000 during a recent heat wave, not through new infrastructure, but a text message and a price signal offering demand flexibility. That caught our attention.In this episode, Ed and Sara (David sits this one out) talk with Eric Davids, Head of Strategy for Octopus Energy's US business, about redefining utility-customer relationships, how approaches in the UK stack up against North American utilities' much blunter "please conserve" grid alerts, and what happens when consumers get real price exposure and it doesn't go well.

Dr Amanda Gummer, founder of FUNdamentally Children, is a renowned child development expert, and often features in media discussing the role of play in learning. Through FUNdamentally Children and the Good Play Guide, she offers valuable insights on educational toys and parenting, helping families make informed choices for their children's development and well-being.This podcast explores play's role in child development and brand strategy.Summary of the PodcastKey TakeawaysMission: FUNdamentally Children translates academic research into practical advice for kids' brands (toys, media, education) to improve products and policy.Method: Research uses naturalistic observation in familiar settings to capture meaningful data, avoiding the "strange kids in strange places" bias of traditional lab studies.Impact: Services de-risk product launches (e.g., preventing a faulty toy release) and sharpen marketing (e.g., identifying a "pizza delivery boy" character as the licensing driver).Challenge: The biggest barrier is the perception of play as frivolous, which hinders its recognition as a powerful tool for developing critical life skills.The Problem: A Gap Between Research & PracticeFUNdamentally Children bridges the gap between academic research and practical application for kids' brands.Clients: Toy companies, digital game developers, TV content creators, playground designers, and policymakers.Core Principle: The Maya Angelou quote, "When you know better, do better." The company provides the "better" knowledge.The Solution: Naturalistic, Child-Centred ResearchResearch avoids the "strange kids in strange places" bias of traditional lab studies.Method: Observe children in familiar settings with trusted people to capture authentic behavior.Quality Control: Rigorously vets other research papers (e.g., for the Children's Media Association) to ensure data validity.The Business Model: De-Risking & Sharpening StrategyFunding comes from corporate clients paying for research and workshops.De-Risking Product Launches:Identified a faulty Thomas the Tank Engine toy (pegs too small for holes) in playtesting, preventing a negative launch and PR.Provided evidence to defend a toy train from a "toy train makes kid bald" headline, proving it was a user accident, not a product fault.Sharpening Marketing & Licensing:Research for a kids' TV show about motorbikes found the "pizza delivery boy" character was the most popular.Insight: Kids were focused on the pizza, not the bike's design or the show's friendship theme.Action: This insight redirected the licensing strategy to focus on the pizza theme.The Philosophy: Play as a Tool for DevelopmentPlay is a powerful tool for developing critical skills (critical thinking, self-reliance, social skills) that traditional education often misses.DEI (Diversity, Equity, Inclusion):Focuses on practical accessibility (e.g., wheelchair ramps in playgrounds) to ensure all children can participate.Distinguishes this from political debates like transgender athletes in sports, which are separate biological issues.Play Commission:Amanda was a commissioner on this year-long project, which produced the "Raising the Nation" report.Goal: Provide evidence to government on play's impact across education, health, and youth justice.The Next 100 Days Podcast Co-HostsGraham ArrowsmithGraham founded Finely Fettled in 2014 to provide data from The UK High Net Worth Database to marketers targeting affluent and high-net-worth customers. He's the founder of MicroYES, a Partner for MeclabsAI, creating lead generation AI Agents & Workflows and introducing the MeclabsAI Platform. Graham also provides an Answer Engine Optimisation solution to get your website in shape to be found by LLMs.Kevin ApplebyKevin specialises in finance transformation and implementing business change. He's the COO of GrowCFO, which provides both community and CPD-accredited training designed to grow the next generation of finance leaders. You can find Kevin on LinkedIn and at kevinappleby.com

CardioNerds (Drs. Apoorva Gangavelli, Jenna Skowronski, and Hannah Every) discuss the continuum of prevention and heart failure with Drs. Anu Lala and Martha Gulati. Grounded in a clinical case of a 55-year-old woman with uncontrolled hypertension, type 2 diabetes, and obesity who is on the trajectory toward heart failure, this episode unpacks a paradigm-shifting framework from a joint HFSA/ASPC Scientific Statement. The discussion explores how prevention should not be siloed from heart failure management but rather integrated across a patient’s lifespan—from primary prevention in at-risk individuals, to secondary prevention in those with established heart failure, to tertiary prevention in patients with advanced therapies such as LVADs and heart transplantation. The experts highlight the importance of aggressive risk factor management, biomarker-guided screening, the AHA’s Life’s Essential 8, and the need for multidisciplinary collaboration and systems-level change to shift heart failure care from reactive to proactive. Audio editing for this episode was performed by CardioNerds Intern, Dr. Julia Marques Fernandes. Enjoy this Circulation 2022 Paths to Discovery article to learn about the CardioNerds story, mission, and values. US Cardiology Review is now the official journal of CardioNerds! Submit your manuscript here. CardioNerds Prevention PageCardioNerds Episode PageCardioNerds AcademyCardionerds Healy Honor Roll CardioNerds Journal ClubSubscribe to The Heartbeat Newsletter!Check out CardioNerds SWAG!Become a CardioNerds Patron! Pearls Systemic inflammatory diseases are associated with an elevated CVD risk that has significant implications for early detection, risk Heart failure prevention is a continuum, not a checkpoint. Prevention applies at every stage—from at-risk (Stage A) through advanced/post-transplant care—and every clinical encounter is an opportunity to intervene. The AHA’s Life’s Essential 8 (diet, physical activity, nicotine exposure, sleep, BMI, blood lipids, blood glucose, blood pressure) forms the foundation at every stage. Hypertension carries the highest population-attributable risk for heart failure of any modifiable risk factor. In the Framingham Heart Study, 91% of patients with newly diagnosed HF had pre-existing hypertension. The SPRINT trial demonstrated a 38% reduction in HF incidence with intensive blood pressure targets (30 ng/L or NT-proBNP >125 ng/L) identify individuals at heightened risk for progression to symptomatic HF. The ACC/AHA/HFSA guidelines give a Class IIa recommendation for natriuretic peptide screening in at-risk patients. Urine albumin-to-creatinine ratio (UACR) is an underutilized screening tool that provides additional insight into CKM risk. The heart failure label does not close the prevention window—it accentuates it. Secondary prevention through GDMT optimization (quadruple therapy in HFrEF) and continued risk factor management remains critical. Tertiary prevention extends to post-LVAD and post-transplant patients, where hypertension, diabetes, obesity, and CKD management remain essential to long-term outcomes. Show notes For a comprehensive review, please review the full HFSA/ASPC Joint Scientific Statement: Lala A, Beavers C, Blumer V, et al. The Continuum of Prevention and Heart Failure in Cardiovascular Medicine. J Card Fail. 2026;32:75-105. doi:10.1016/j.cardfail.2025.06.013 1. What is the “continuum of prevention” framework, and how does it differ from traditional approaches to heart failure prevention? Historically, prevention and heart failure management have been treated as separate disciplines—primary prevention handled by preventive cardiologists and treatment managed by heart failure specialists. This joint HFSA/ASPC Scientific Statement reframes prevention as a dynamic, continuous process that spans a patient’s entire lifespan, regardless of HF stage or ejection fraction. The framework maps onto the ACC/AHA HF staging system: Primary prevention targets Stage A (“at risk”) and Stage B (“pre-HF”) patients to reduce the burden of incident HF. Secondary prevention targets Stage C (symptomatic) and Stage D (advanced) patients to reduce the impact of established HF through GDMT optimization and ongoing risk factor management. Tertiary prevention encompasses risk factor management in patients with LVADs or heart transplants—populations where hypertension, diabetes, and obesity still drive outcomes. The Central Figure of the statement illustrates that Life’s Essential 8 (blood pressure and lipid control, diabetes management, exercise, sleep, smoking cessation, weight management, and diet/nutrition counseling) forms the foundation at every stage, with pharmacologic and device-based therapies layered on top as disease progresses (Figure) 2. How do traditional risk factors drive heart failure, and what should clinicians prioritize? Hypertension carries the greatest population-attributable risk for HF. In the Framingham Heart Study (N=5,143), HTN was associated with a 2- to 3-fold increased risk of HF, with a population-attributable risk of 39% in men and 59% in women. The SPRINT trial showed a 38% reduction in HF incidence and 25% reduction in the primary composite outcome with intensive BP targets (30 ng/L or NT-proBNP >125 ng/L) are associated with heightened risk for progression to symptomatic HF. In the ARIC study, incorporating NT-proBNP reclassified 20% of older adults without HF into Stage B. Factors that affect interpretation include age, sex, obesity (lower values), and CKD (higher values). High-sensitivity cardiac troponin (hs-cTn): Concentrations above the 99th percentile are now included in the definition of Stage B HF. Troponin testing may complement natriuretic peptides, particularly when BNP/NT-proBNP values are ambiguous. Risk scores: The PCP-HF equation predicts 10-year HF risk using traditional risk factors plus QRS duration. The AHA PREVENT score incorporates HF risk calculation and includes markers of kidney function (albuminuria, eGFR), though it may underestimate risk in men and Black adults. The CKM syndrome staging framework (Stages 0–4) provides a holistic approach to assessing systemic cardiovascular-kidney-metabolic risk. 4. What are the key nontraditional risk factors and cross-cutting themes in heart failure prevention? Genetics: Pathogenic cardiomyopathy variants exist in ~1 in 200 individuals in the general population. The HFSA and ACMG recommend cascade testing to identify at-risk family members. Polygenic risk scores for dilated cardiomyopathy show a 3.8-fold risk for DCM in the top 10th percentile compared with the median. Sex-specific considerations: Women have 2.8 times the odds of developing HFpEF, while men have similarly increased odds of HFrEF. A complete obstetric/gynecologic history is essential—preeclampsia is associated with a 4-fold increased risk of HF. Peripartum cardiomyopathy requires intentional screening in high-risk populations. Cardiotoxic exposures: Clinicians should be aware of medications that cause direct myocardial toxicity (e.g., anthracyclines, trastuzumab, tyrosine kinase inhibitors). A team-based approach with pharmacists can help optimize medication selection and risk factor modification. Social determinants of health: Environmental exposures (air pollution, arsenic, lead, cadmium), food insecurity, financial instability, and limited healthcare access contribute to HF risk and progression. Equity-focused, risk-based prevention strategies are needed. Psychological health: Depression is common in HF and independently associated with worse outcomes. Screening with brief questionnaires (e.g., PHQ-2) is recommended. Meditation, spirituality, and holistic wellness approaches remain underutilized. 5. What systems-level and policy changes are needed to move the needle on heart failure prevention? Multidisciplinary HF prevention clinics that bring together preventive cardiologists, HF specialists, endocrinologists, nephrologists, dietitians, pharmacists, exercise physiologists, and genetic counselors are advocated by the statement. EHR-embedded risk stratification could proactively flag patients on a trajectory toward HF—analogous to sepsis alerts or fall risk flags—enabling earlier intervention, particularly for patients who may not reach a cardiologist. Cardiac rehabilitation remains underutilized, particularly in HFrEF (Class 2b recommendation) and HFpEF (not yet covered by Medicare). The HF-ACTION trial showed quality-of-life benefits, and the REHAB-HF trial showed particular benefit in older patients with HFpEF. Policy priorities include expanding insurance coverage for preventive screening and novel therapies (SGLT2i, GLP-1 RAs, nsMRAs), reducing clinical inertia through team-based care models with closer follow-up intervals, and ensuring equitable access to evidence-based therapies across diverse populations. Digital health and AI hold promise for personalized risk prediction, remote monitoring (e.g., wearable devices, implantable PA pressure monitors), and virtual cardiac rehabilitation to overcome access barriers. Figure  Lala A, Beavers C, Blumer V, et al. The continuum of prevention and heart failure in cardiovascular medicine: a joint scientific statement from the Heart Failure Society of America and the American Society for Preventive Cardiology. J Card Fail. 2026;32(1):75-105. doi:10.1016/j.cardfail.2025.06.013) References Key references are bolded. Lala A, Beavers C, Blumer V, et al. The continuum of prevention and heart failure in cardiovascular medicine: a joint scientific statement from the Heart Failure Society of America and the American Society for Preventive Cardiology. 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JAMA. 1996;275(20):1557-1562. doi:10.1001/jama.1996.03530440037034 Major outcomes in high-risk hypertensive patients randomized to angiotensin-converting enzyme inhibitor or calcium channel blocker vs diuretic: the Antihypertensive and Lipid-Lowering Treatment to Prevent Heart Attack Trial (ALLHAT). JAMA. 2002;288(23):2981-2997. doi:10.1001/jama.288.23.2981 Yusuf S, Sleight P, Pogue J, et al. Effects of an angiotensin-converting-enzyme inhibitor, ramipril, on cardiovascular events in high-risk patients. N Engl J Med. 2000;342(3):145-153. doi:10.1056/NEJM200001203420301 Zinman B, Wanner C, Lachin JM, et al. Empagliflozin, cardiovascular outcomes, and mortality in type 2 diabetes. N Engl J Med. 2015;373(22):2117-2128. doi:10.1056/NEJMoa1504720 Anker SD, Butler J, Filippatos G, et al. Empagliflozin in heart failure with a preserved ejection fraction. N Engl J Med. 2021;385(16):1451-1461. doi:10.1056/NEJMoa2107038 Solomon SD, McMurray JJV, Claggett B, et al. Dapagliflozin in heart failure with mildly reduced or preserved ejection fraction. N Engl J Med. 2022;387(12):1089-1098. doi:10.1056/NEJMoa2206286 Filippatos G, Anker SD, Agarwal R, et al. Finerenone reduces risk of incident heart failure in patients with chronic kidney disease and type 2 diabetes: analyses from the FIGARO-DKD trial. Circulation. 2022;145(6):437-447. doi:10.1161/CIRCULATIONAHA.121.057983 Solomon SD, McMurray JJV, Vaduganathan M, et al. Finerenone in heart failure with mildly reduced or preserved ejection fraction. N Engl J Med. 2024;391(16):1475-1485. doi:10.1056/NEJMoa2407107 Lincoff AM, Brown-Frandsen K, Colhoun HM, et al. Semaglutide and cardiovascular outcomes in obesity without diabetes. N Engl J Med. 2023;389(24):2221-2232. doi:10.1056/NEJMoa2307563 Deanfield J, Verma S, Scirica BM, et al. Semaglutide and cardiovascular outcomes in patients with obesity and prevalent heart failure: a prespecified analysis of the SELECT trial. Lancet. 2024;404(10454):773-786. doi:10.1016/S0140-6736(24)01498-3  Kosiborod MN, Abildstrøm SZ, Borlaug BA, et al. Semaglutide in patients with heart failure with preserved ejection fraction and obesity. N Engl J Med. 2023;389(12):1069-1084. doi:10.1056/NEJMoa2306963 Ndumele CE, Neeland IJ, Tuttle KR, et al. A synopsis of the evidence for the science and clinical management of cardiovascular-kidney-metabolic (CKM) syndrome: a scientific statement from the American Heart Association. Circulation. 2023;148(20):1636-1664. doi:10.1161/CIR.0000000000001175 Khan SS, Matsushita K, Sang Y, et al. Development and validation of the American Heart Association’s PREVENT equations. Circulation. 2024;149(6):430-449. doi:10.1161/CIRCULATIONAHA.123.067626 Khan SS, Ning H, Shah SJ, et al. 10-year risk equations for incident heart failure in the general population. J Am Coll Cardiol. 2019;73(19):2388-2397. doi:10.1016/j.jacc.2019.02.057 Bozkurt B, Fonarow GC, Goldberg LR, et al. Cardiac rehabilitation for patients with heart failure: JACC expert panel. J Am Coll Cardiol. 2021;77(11):1454-1469. doi:10.1016/j.jacc.2021.01.030 Packer M. Leptin-aldosterone-neprilysin axis: identification of its distinctive role in the pathogenesis of the three phenotypes of heart failure in people with obesity. Circulation. 2018;137(15):1614-1631. doi:10.1161/CIRCULATIONAHA.117.032474 Lala A, Tayal U, Hamo CE, et al. Sex differences in heart failure. J Card Fail. 2022;28(3):477-498. doi:10.1016/j.cardfail.2021.10.006 Bozkurt B, Coats AJS, Tsutsui H, et al. Universal definition and classification of heart failure. Eur J Heart Fail. 2021;23(3):352-380. doi:10.1002/ejhf.2115 Hershberger RE, Givertz MM, Ho CY, et al. Genetic evaluation of cardiomyopathy—a Heart Failure Society of America practice guideline. J Card Fail. 2018;24(5):281-302. doi:10.1016/j.cardfail.2018.03.004 Levine GN, Cohen BE, Commodore-Mensah Y, et al. 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Start your free Solution-Focused  3-day training here: https://www.thefocusedmindset.com/leadwithhopechallenge  This episode explores the power of cultural awareness, empathy, and genuine connection in school counseling. The conversation reflects on a challenging school year in California and shows how understanding the lived experiences of students and families leads to more effective support, stronger trust, and more equitable service. Key topics Reflecting on a school year shaped by turmoil, fear, and uncertainty How demographics shape the needs of a school community A powerful early teaching experience about race, trust, and proving competence Building connection by meeting families where they are The impact of reading culturally relevant books in the classroom Supporting students and families affected by immigration-related fears Creating a safe space for students observing Ramadan Why equity is more than policy and paperwork The importance of listening to parents' concerns with humility Finding shared humanity across different backgrounds and beliefs Timestamps 00:01 - Episode intro and reflection on the school year 00:57 - California turmoil and the emotional weight on schools 03:20 - Why demographics matter in school communities 03:48 - First teaching job and an uncomfortable parent interaction 05:16 - Using books from different cultures to build trust 06:09 - A classroom visit that changed everything 07:05 - Learning the value of connection over proving a point 08:04 - Seeing the community through other people's worldview 09:01 - A student's fear about grandparents being deported 11:26 - Opening recess conversations for worried students 11:55 - Supporting students who fast during Ramadan 13:22 - How small accommodations build trust 15:19 - Equity as listening to real people, not just numbers 17:10 - Finding alignment across faiths, cultures, and fears 18:08 - Final encouragement to seek understanding and serve with humility Notable takeaways Demographics are not just data, they reflect real people with real needs Cultural responsiveness begins with listening and curiosity Small, thoughtful accommodations can have a major emotional impact Equity is lived through relationships, not just policies Shared fears and hopes create the strongest bridges between people TEDx: How to Lead with Hope: Solution Focused Conversation Navigation https://youtu.be/Am3ZoF53BS0?si=ZaflEtnhsdjgJ2oN Instagram: Cher Kretz The Focused Mindset Podcast https://www.instagram.com/cherkretz_thefocusedmindset/ TikTok: @Cher Kretz The Focused Mindset https://www.tiktok.com/@cherkretz?lang=en Closing thought The episode's central message is that genuine service begins when we stop trying to prove ourselves and start trying to understand others.

Carl Jenkins is Managing Director and Group Head of Community Capital Solutions for BMO Financial Group.  Using a $3 billion allocation of balance sheet capital, the business unit invests in private funds that support lower middle market companies and community-centric real estate.  The business also provides construction loans for multifamily affordable housing. Both equity and debt commitments further the Community Reinvestment Act objectives of BMO in the central and western United States.   Equity investments are primarily limited partnerships in conventional private real estate funds and private equity funds licensed by the U.S. Small Business Administration.  Sponsors include private investment managers, for-profit developers, not-for-profit organizations and community development financial institutions.   Additionally, Carl chairs the board of directors for BMO Private Equity (U.S.), Inc., the BMO subsidiary that originates mezzanine debt and equity investments directly to operating companies.  He earned his bachelor's degree in architecture from Washington University in St. Louis and holds an MBA from the Kenan-Flagler School of Business at the University of North Carolina. He serves on the board of directors for several organizations, including the Disability Opportunity Fund, Enterprise Community Investment, and the Goodman Theatre of Chicago. Carl also serves on the advisory board of multiple lower middle market private equity and credit funds.   Disclosure: Banking products are subject to approval and are provided in the United States by BMO Bank N.A. Member FDIC

Ciaran Burke is a fintech entrepreneur and business leader, serving as Co-Founder & Chief Operating Officer of Swoop, a platform that helps small and medium-sized businesses access funding through loans, grants, and equity solutions. Under his leadership, Swoop has become a trusted resource for SMEs seeking faster, more efficient access to capital. Prior to Swoop, Ciaran founded Hiive, a professional networking platform that grew to over 150,000 members and supported more than 4,500 businesses, including organizations such as Google, BBC, Facebook, and Sony. His experience scaling technology-driven companies has given him deep expertise in operations, growth strategy, and innovation. Ciaran is passionate about leveraging technology and AI to improve business financing and empower entrepreneurs, sharing insights on fintech, SME funding, and building scalable businesses. During the show we discuss: Why traditional funding is fragmented and how it limits business growth How to access multiple funding types (loans, grants, equity) in one place Why choosing the right funding type matters more than just getting approved How FinTech platforms are transforming business funding access The advantages of having a centralized funding marketplace How to increase your chances of approval by matching with the right lenders Why grants and equity are often overlooked opportunities How to streamline your funding strategy to save time and maximize results Resources: https://www.linkedin.com/in/burkecg/ https://swoopfunding.com/

A deep dive into the South Carolina Senate race! We examine candidate record scrutiny, rising agency budgets, and growing debates over internal Diversity, Equity, and Inclusion (DEI) programs. Plus, a look at high-profile endorsements, media coverage, and the political stakes involved in this crucial race. South Carolina Senate, Ralph Norman, Darlene Graham, Political Debate, Election Integrity, SC Politics, DEI Controversy

Democracy isn't just something we vote for once every few years, it's something we build together, in our neighborhoods, city halls, and everyday relationships. Corinna Bellizzi is joined by Angela Glover Blackwell, founder of PolicyLink and host of Reimagining Democracy for a Good Life, who has spent more than 50 years working at the intersection of racial equity, housing, and civic life. Angela reflects on how growing up during segregation shaped her understanding of community and leadership, explains why she defines democracy as "co-governance for human flourishing," and makes the case that America may be ready for a third founding. She also shares how tools like civic assemblies and participatory budgeting can restore civic life, and why joy has to remain at the center of any vision for real change. COMPLETE BLOG & TRANSCRIPT: https://caremorebebetter.com/reimagining-democracy-with-angela-glover-blackwell About Guest: Angela Glover Blackwell has spent over 50 years working at the intersection of racial equity, housing, and civic life. As the founder of PolicyLink and host of the podcast Reimagining Democracy for a Good Life, she provides a roadmap for rebuilding our communities. In this episode, we discuss why true democracy requires co-governance and active participation from every citizen. We explore how to cultivate joy in our activism and why local leadership is the key to national change. You'll learn how to navigate the complexities of our changing demographics while building a future where everyone can reach their full potential. Guest LinkedIn: https://www.linkedin.com/in/angela-glover-blackwell  Guest Website: https://policylink.org Guest Social: https://www.youtube.com/policylink  PODCAST: Reimagining Democracy for a Good Life On PolicyLink.com On Spotify On Apple Podcasts Chapter Markers 00:00 — Introduction: Bioneers, PolicyLink, and Reimagining Democracy 05:45 — Early Lessons in Segregation and Resilience: Growing Up in 1950s St. Louis 12:30 — Founding PolicyLink: Bridging Community Work and National Policy 18:15 — Recreating Civic Life: Civic Assemblies, Participatory Budgeting, and Mutual Aid 26:40 — Democracy as Co-Governance for Human Flourishing 33:00 — The Third Founding: Why the Nation's Mechanisms Have Outgrown Themselves 38:00 — Joy in Activism: Adrienne Maree Brown and What Los Angeles Taught Angela 44:10 — Patience, Impatience, and Why We Must Stop Being Nostalgic for a Time That Never Was 50:00 — Season 2 of Reimagining Democracy: Atlanta, the Curb Cut Effect, and Hartsfield-Jackson 58:00 — Hope Is a Discipline: Answering the Listener Who Has Lost Faith 64:00 — The Third Founding, Future Cities, and What Comes Next BUILD A GREENER FUTURE with CARE MORE BE BETTER: Together, we planted 36,044 trees in 2025 through our partnership with ForestPlanet. We screamed past our goal of planting 20,000 trees thanks to subscribers like you! CAUSE PARTNER: If you value open dialogue, sustainability, and social equity, I invite you to support our new cause partner — Prescott College. To learn more about this effort and to support the show, visit: https://caremorebebetter.com/support/ Follow Care More Be Better on social media: YouTube: https://www.youtube.com/c/caremorebebetter TikTok: https://www.tiktok.com/@caremorebebetter Instagram: https://www.instagram.com/caremorebebetter Facebook: https://www.facebook.com/CareMoreBeBetter LinkedIn: https://www.linkedin.com/company/care-more-be-better Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.