Podcasts about Estimates

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Guest: Noah Williams – Founder, Home Doctor Sales SystemGuest Links: Website: https://homedoctorss.com/ Facebook: https://www.facebook.com/noahwill99/ Instagram: https://www.instagram.com/noahwill99/ This episode breaks down why most roofing and home service sales conversations fail long before pricing is ever discussed, and how elite sales systems are built around mindset, trust, and structure rather than scripts alone. The episode explores the Home Doctor Sales System and its holistic approach to sales performance, focusing on bi-directional trust, discovery-based selling, and identifying homeowner pain points early in the appointment. It explains why common objections like “I need three estimates” are symptoms of poor framing, not price resistance, and how elite reps prevent those objections by reshaping the conversation before they appear. The episode dives into paradigm-shifting techniques such as guided discovery questions, test cases during inspections, and the PAP presentation framework, which personalizes the presentation, addresses pain, and reframes affordability into controllable budget conversations. It also covers why too many options kill confidence, why narrowing product choices increases margins, and how visual sales decks eliminate complaints and misaligned expectations. Beyond tactics, the episode explores the deeper role of belief, energy, and leadership in sales performance, why business owners act as “chief energy officers,” and how misalignment between owners, managers, and reps destroys trust internally. It closes by outlining how structured coaching, masterminds, and shared accountability systems help contractors scale sales teams sustainably, build belief-driven cultures, and replace hustle-based insurance sales with repeatable, high-margin sales processes. 

Daycare & Autism Centers Fraud Numerous daycare centers and autism facilities have received millions in state funding but have no children enrolled. Example: A daycare shut down for violations reopened under a new name and continued receiving funds. Home Healthcare Fraud A single building allegedly housed 14 Somali-owned healthcare companies, all billing the state for services that were never provided. FBI raids and investigations are mentioned as evidence of the scale of fraud. Political Corruption Minnesota politicians, including Governor Tim Walz and other Minneapolis officials, have enabled fraud for political gain. Funds were used to buy votes and maintain power, particularly by appealing to immigrant communities. Financial Impact Minnesota swung from an $18 billion surplus to a $6 billion deficit in two years, attributing much of this to fraud. Estimates fraud in Minnesota alone exceeds $9 billion, with nationwide entitlement fraud possibly 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/benfergusonshowYouTube: https://www.youtube.com/@VerdictwithTedCruzSee omnystudio.com/listener for privacy information.

This Flashback Friday is from episode 575, published last September 30, 2015. We break closing costs down into small pieces to support Jason's #1 rule of investing, thou shalt become educated. Understanding which costs are fixed and which are variable will help you to protect yourself and allow you to become your own best advisor. We take the confusion out of calculating the fees. And, will private equity firms be the next big player in the mortgage game?     Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com

NIO ended 2025 up 26%, but the journey was wild. XPeng kept over-promising. OpenAI just became too big to fail. And $160 million in Nvidia chips got smuggled to China. This is my 2025 year-end review covering everything that mattered.Thank you for rocking with Courtside Financial all year. Happy New Year! Let me know what content you want to see in 2026.NIO'S 2025 FULL STORYNIO started at $4.55, peaked at $7.89 in October, closed at $5.50 - up 26% for the year.Key moments: February Onvo L60 image sparked 10% jump. March capital raise tanked stock to $3.75, but $4B Hong Kong offering funded growth. April brought Shen Fei as new Onvo president. July-August surge: L60 pre-sales drove 40% gain, third-gen ES8 launch added another 23% spike. September $1B raise initially dropped 9% but rallied 30% as investors recognized growth funding. Stock peaked October 2 at $7.89. November declined 24% as China subsidies ended. December 30 brought 2026 subsidy news, stock closed year at $5.50.Bottom line: NIO executed three-brand strategy, launched Onvo and Firefly, improved margins, raised capital twice. Now faces proving profitability at scale.XPENG'S OVER-PROMISING PROBLEMHe Xiaopeng announced "orders exceeded expectations" five times in 2025 - only MONA M03 delivered. New P7 peaked at 8,104 September units then crashed to 2,882 by November despite 40 units/hour capacity. G7 got 10,000 orders in 9 minutes but sales fell to 2,500-3,500 units while Tesla Model Y averaged 38,000.Service failures: 7,000+ owners complained after $5,000 chip upgrades caused system crashes. XPeng promised nationwide CNGP in 2022 - still only 5 cities despite customers paying $39,000 extra. Trust matters when markets get tough.OPENAI TOO BIG TO FAIL?SoftBank invested $41 billion in OpenAI on December 26, now owns 11%. Microsoft owns 27%. OpenAI valued $300-500 billion, not yet profitable. Committed to $1.4 trillion infrastructure spending. SoftBank sold entire $5.8B Nvidia stake to fund this.The question: Has OpenAI become too big to fail? If it fails, SoftBank, Microsoft, Oracle all hurt. Data centers, Nvidia's growth, entire AI buildout slows. System has to keep OpenAI alive because letting it fail craters too much. That's "too big to fail" - saw it with banks in 2008.OpenAI burns billions, revenue growing but so are costs. If AI hype slows, they have problems. But investors can't let them fail now, will keep funding betting revenue catches up. Risk is real when you build this big, this fast on this much investment.CHIP WARS: $160M SMUGGLING BUSTDOJ unsealed Operation Gatekeeper December 8. October 2024-May 2025: Smugglers moved $160M+ in Nvidia H100/H200 GPUs to China. These chips power AI, same ones OpenAI uses. Export-controlled, can't legally sell to China.How: Fake companies, falsified documents, relabeled chips as "Sandkyan," routed through multiple warehouses. May 28 raid in New Jersey caught three trucks picking up chips. Smugglers used group chat - when police arrived, chat said "dissolve group, delete everyone." Too late.Three arrested, one pleaded guilty facing 10 years. Estimates show 10,000 to hundreds of thousands chips smuggled in 2024.Why China needs them: Building domestic chips but years behind. 60%+ of Chinese AI models still run on Nvidia. Chinese companies pay 2x-5x premium, smugglers risk prison to supply.Trump twist: Same day as bust, Trump posted US would allow H200 exports if government gets 25% cut - exact chips being smuggled. Defense attorneys asked how they're national security threats when President approves export.Reality: Export controls don't work when incentives this strong. Continues until China develops competitive chips (years away), US loosens controls (Trump willing), or AI demand crashes (not happening).

Looking at a weird GDP data point. Calling BS on Russia/Ukraine peace talks. Gold and Silver – WOW! Closing out the year – a good one too! PLUS we are now on Spotify and Amazon Music/Podcasts! Click HERE for Show Notes and Links DHUnplugged is now streaming live - with listener chat. Click on link on the right sidebar. Love the Show? Then how about a Donation? Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter Warm-Up - CTP Cup - All systems go! 9 participants! - Lots to be excited about and anxious too - Looking at a weird GDP data point - Calling BS on Russia/Ukraine peace talks Markets - Gold and Silver - WOW! - Closing out the year - a good one too! - Buyers are still hot to buy any dip - "Diet" pills coming Bitters Making Progress  - Chocolate -Dark Cherry -Infusions - https://highdesertbotanicals.com NYE Celebration - Cities across America ring in the new year by dropping unexpected objects: - Amelia Island, FL drops a giant shrimp. - Nashville drops a 400lb musical note with 28,140 LEDs. - Boise, ID, drops a glowing potato. - Key West, FL, drops an eight-foot ruby-red heel—complete with a drag queen inside! - In Spain, revelers gulp down 12 grapes—one for each midnight chime—to bring luck for each month - Denmark - Danes toss old dishes at friends' doors—large piles of broken crockery at dawn are seen as tokens of good luck. What a year! - So many themes in 12 months - AI, Tariffs, War and Trade War, Fat drugs, Deglobalization - Data centers, semiconductors, and supporting infrastructure like power and cooling systems. - Approx: DJIA +13.5%, SP500 +17%, NASDA +21%, BTCUSD -7.6%, Gold +64%, SLV +145%, $DXY -9.5%, EEM +30% - 2026 - Opportunities and Auld Lang Xiety (Tech still looks frothy in certain names) Top New Year's Resolutions - Exercise More - Eat Healthier - Save More Money/Get Out of Debt - Be Happy/Improve Mental Health - Lose Weight - Spend More Time with Family & Friends - Learn a New Skill/Hobby - Get Organized Active Management (Funds) - Same report annually - A small group of tech super stocks accounted for an outsize share of returns in 2025, extending a pattern in place for the better part of a decade. - Around $1 trillion was pulled from active equity mutual funds over the year, marking an 11th year of net outflows, while passive equity exchange-traded funds got more than $600 billion. - The concentration of gains in a few stocks made it harder for active managers to do well, with 73% of equity mutual funds trailing their benchmarks this year, the fourth most in data going back to 2007. - BUT, there are some areas that it makes sense for active management ---- Equity vs Fixed income and reasoning --- Efficient markets, boots on the ground Fat Pill - The FDA has approved the first-ever GLP-1 pill from Wegovy maker Novo Nordisk. - Novo Nordisk said the starting dose of 1.5 milligrams will be available in early January in pharmacies and via select telehealth providers with savings offers for $149 per month. - The approval gives Novo Nordisk a head start over chief rival Eli Lilly, which is racing to launch its own obesity pill. - Packaged food makers and fast-food restaurants may be forced to overhaul more of their products next year as newly approved, appetite-suppressing GLP-1 pills become available in January PowerBall - A ticket sold in Arkansas scored a $1.8 billion Powerball jackpot after Wednesday night's draw — one of the richest lottery prizes in U.S. history, landing just in time for Christmas. - The payout soared after last Monday's drawing produced no winners, with last-minute ticket sales pushing the jackpot to $1.817 billion. That makes it the second-largest U.S. lottery prize ever and the biggest Powerball of 2025, the lottery website said on Thursday. - The winning numbers — 4, 25, 31, 52, 59 and the Powerball 19 - Odds: one in 292.2 million. Silver - Amazing year! - Sunday night futures - >$83 then turned hard lower| - Down 7% on Monday - Range $83 - $71 (15%) for the day - Some rumors about a bank collapse due to wrong way position on Silver - forced liquidation and covering.... ----- Hard to believe that a bank was short that much silver - but..... SoKo Breach - South Korean online retail giant Coupang said it will offer 1.69 trillion South Korean won ($1.17 billion) in compensation to 34 million users affected by a massive data breach disclosed last month. - That is about 4% of Coupang's annual revenue - but a big chunk of their profit - $34 per user NVDA Deal - Nvidia has yet to issue a public announcement or disclosure regarding its $20 billion Groq deal that CNBC was first to cover on Wednesday. - Groq described the deal as a “non-exclusive licensing agreement,” a tool that's been used by tech giants of late in part to avoid regulatory scrutiny. - Analyst: “Antitrust would seem to be the primary risk here, though structuring the deal as a non-exclusive license may keep the fiction of competition alive,” Bernstein's Stacy Rasgon wrote in a report. - Groq will remain an independent company (?) GDP Consumption - Something is a bit off.... - With the marketplace costs increasing, this may be more than a one-off expenditure Q3 GDP Surge Russia/Ukraine - Less that an hour after the White House claimed great movement toward peace - Russian President Putin told President Trump that Russia will revise its negotiating position, raising questions over prospects for peace deal - Russian Foreign Minister Sergei Lavrov says Ukraine tried to attack Russian President Putin's residence - Does anyone even listen to the crap coming out of the White House anymore? - Did you hear Lutnick trying to explain the 600% reduction in costs for pharmaceuticals? Math wizards! - - For 2026, my wish is that they continue to work on the job at hand and just shut up Just for fun - Who is biggest drinker of spirits? - While there's no single official "heaviest drinker," legendary wrestler Andre the Giant is widely cited as having unmatched capacity, famously downing 119 beers in one sitting (or even up to 156 in other accounts) Oil - Crude oil futures down about 9.5% YTD - Much of the drop due to pick up in production (supply/demand) - Still a floor with as Russia, Nigeria, Venezuela etc - What will it take to move up? Best Auto Stock for 2025? - GM! Better than ford, Tesla and others (up 55%) - best year from coming out of bankruptcy in 2009 - Ford up 35% - Mary Barra, CEO selling into the strength - $73 M sold this year (Position down 73% from what she held last year) - - - Barra has contended for years that stock undervalued. With all of these say what does that say now? --- Would she ever say shares are overvalued? More fun stats - A peer?reviewed 2025 study estimates AI data centers (including indirect usage from electricity generation) consumed 312–765 billion liters of water annually. That's more than all bottled water consumed worldwide each year - Direct (on-site) water is used for cooling servers via systems like cooling towers or liquid loops. Indirect (off-site) water stems from electricity generation—particularly from thermal and nuclear plants, which require significant cooling resources - ??? Estimates suggest a single standard AI prompt (about 100 words) is linked to around 1.5 liters of water—accounting for the entire chain of consumption. (This is total usage from cooling powr consumption, electricity generation) - Global AI workloads consumed 50–60 terawatt-hours (TWh) in 2025—roughly the annual electricity use of a medium-sized country like Switzerland. - By 2030, AI-related electricity demand could reach 300–500 TWh annually, according to energy analysts—comparable to the entire electricity consumption of countries like France. Over to Iran - President Trump tells reporters that if Iran is building up its nuclear program, the U.S. will have to "knock them down" again --- Wait - I thought we destroyed all of their nuke aspirations??? - - - AND - Iran's currency hit a record low, triggering wave of protests, according to Bloomberg Fed News - Top Fed Chair Candidate Odds Narrow Again, With Hassett at 43% and Warsh at 35% - President Trump still angry at Powell 0threating to sue for incompetence Odd - Tesla Inc. published a series of sales estimates indicating the outlook for its vehicle deliveries may be lower than many investors were expecting. - The carmaker posted estimates showing analysts on average expect the company to deliver 422,850 cars in the fourth quarter, down 15% from a year earlier. - Tesla is on course for its second consecutive drop in annual vehicle sales, with the company compiling an average estimate for 1.6 million deliveries, down more than 8% from a year earlier. - These are estimates published by analysts - Tesla put on its own site - WHY? End of Year Stat - The U.S. national debt is climbing at a rapid pace and has shown no signs of slowing down despite the growing criticism of massive levels of government spending. - The national debt, which measures what the U.S. owes its creditors, rose to $38,386,384,190,622.68 as of Dec. 30, according to the latest numbers published by the Treasury Department. - That is an increase of about $5.8 billion daily - ~$18 per person in the US per day increase ($7,300) - or about the monthly price of leasing a small Mercedes - Each person in US owes approx $128,000 Love the Show? Then how about a Donation? THE CLOSEST TO THE PIN 2025 Winners will be getting great stuff like the new "OFFICIAL" DHUnplugged Shirt! CTP CUP 2025 Participants: Jim Beaver Mike Kazmierczak Joe Metzger Ken Degel David Martin Dean Wormell Neil Larion Mary Lou Schwarzer Eric Harvey (2024 Winner) FED AND CRYPTO LIMERICKS See this week's stock picks HERE Follow John C. 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This Day in Legal History: Wounded KneeOn December 29, 1890, the U.S. Army's 7th Cavalry Regiment surrounded a Lakota Sioux encampment near Wounded Knee Creek on the Pine Ridge Reservation in South Dakota. The soldiers had orders to disarm the Lakota, who had recently fled the Standing Rock Reservation following the killing of Sitting Bull. Tensions were high, and as troops attempted to confiscate weapons, a shot was fired—its origin remains unclear. What followed was a brutal onslaught in which U.S. forces opened fire on largely unarmed Lakota men, women, and children. Estimates suggest that between 250 and 300 Lakota were killed, many while fleeing or after surrendering.The Wounded Knee Massacre was the final major confrontation between Native Americans and the U.S. military during the so-called Indian Wars. It marked the culmination of decades of broken treaties and violent enforcement of federal Indian policy. Despite the civilian toll, 20 soldiers were later awarded the Medal of Honor, a decision that has since drawn sustained criticism and calls for revocation. The legal status of the massacre—framed at the time as a military engagement—has increasingly been re-evaluated through the lens of human rights law and treaty violations.The Lakota were supposed to be protected under treaties like the Fort Laramie Treaty of 1868, which guaranteed their land and autonomy. However, the discovery of gold in the Black Hills and growing U.S. expansionism led to the steady erosion of those promises. Wounded Knee became a symbol of that betrayal and the failure of the U.S. government to uphold its legal obligations. In 1990, on the massacre's centennial, Congress passed a resolution expressing “deep regret” but stopped short of issuing a formal apology. The massacre remains a central moment in the legal and political history of Native American rights in the United States.California announced it had dropped its lawsuit against the federal government over the Trump administration's decision to cancel over $4 billion in high-speed rail funding. The California High-Speed Rail Authority said the move reflected a lack of trust in the federal government as a reliable partner. Despite the loss of funds, the agency stated it would continue the project using mostly state resources, noting that only 18% of total expenditures have come from federal dollars. A judge had recently declined to dismiss the case, but California chose to end the legal fight regardless.The U.S. Department of Transportation supported the funding withdrawal, citing a Federal Railroad Administration report that found the rail project riddled with missed deadlines, budget issues, and unrealistic ridership forecasts. Governor Gavin Newsom previously criticized the cuts as politically motivated and driven by Trump's hostility toward California. The high-speed rail project, initially expected to cost $33 billion and be completed by 2020, is now projected to cost up to $128 billion with a completion target of 2033. So far, over 50 major structures and nearly 80 miles of guideway have been built.The state plans to attract private investors by mid-2026 and emphasized that construction will continue. Recent legislation provides $1 billion in annual state funding through 2045. Earlier in 2025, the federal government also rescinded $175 million for related projects. Despite legal and financial setbacks, the state remains committed to building the rail line connecting Los Angeles and San Francisco.California drops lawsuit over Trump decision to pull $4 billion in high-speed rail funds | ReutersLongtime Motel 6 spokesman Tom Bodett settled a lawsuit against the motel chain after accusing it of using his name and voice without consent. Bodett, who became synonymous with the brand through his signature line, “we'll leave the light on for you,” alleged the company continued using his likeness even after their professional relationship ended. The dispute arose when Motel 6's new parent company, OYO, allegedly failed to make a $1.2 million contractual payment due in January, prompting Bodett to terminate their agreement.Despite the split, Bodett claimed his voice and name remained on Motel 6's reservation phone system, violating federal trademark law and the terms of their contract. The company denied any wrongdoing, arguing Bodett himself breached the agreement, which they said nullified their payment obligation. The lawsuit, filed in June, was resolved in Manhattan federal court, though the settlement terms remain confidential.Bodett, now 70, is a well-known author and voice actor, with credits including NPR and Ken Burns documentaries. He had been the face and voice of Motel 6 since 1986 and was responsible for creating the brand's iconic tagline. The lawsuit came after Motel 6 was acquired by India-based OYO, part of Prism (formerly Oravel Stays), in a $525 million deal from Blackstone in December 2024.Longtime Motel 6 spokesman Tom Bodett settles lawsuit against chain | ReutersFBI Director Kash Patel announced a surge in federal investigative resources to Minnesota to probe alleged fraud involving public funds. While the FBI has offered few specifics, Patel's comments followed the circulation of a viral video showing allegedly inactive daycare centers in the state receiving government subsidies. Republican officials, including U.S. Rep. Tom Emmer and Vice President JD Vance, quickly amplified the video online, calling for action and linking the issue to broader concerns about state oversight.Critics, however, argue that the investigation is politically and racially charged. The Trump administration has repeatedly pointed to Minnesota's Somali American community as the center of alleged fraud, even as immigrant-rights groups warn that the pattern of enforcement suggests targeted profiling rather than impartial justice. The FBI has not clarified whether the focus on Somali defendants is supported by broader data or if the agency is treating these cases as representative of a larger trend.Governor Tim Walz's office has not yet commented, though tensions have grown between federal and state officials over the framing and scope of the investigations. Many of those charged in recent fraud cases are of Somali descent, according to federal sources cited by CBS News, but the disproportionate attention has led to accusations that the government is conflating individual criminal acts with an entire immigrant community.The lack of transparency about evidence and investigatory methods has fueled concerns that the DOJ under Trump may be using criminal enforcement as a political tool. Given President Trump's repeated attacks on Minnesota's Somali population, observers view this surge not as neutral law enforcement, but as part of a broader strategy to vilify immigrants and score political points.FBI investigating Minnesota fraud scheme, director says | ReutersNew York Governor Kathy Hochul announced a new state law requiring social media platforms to display mental health warning labels on features such as infinite scroll, auto-play, and algorithm-driven feeds. The law targets platform elements deemed “addictive” and likely to encourage compulsive use among young users. It reflects growing concerns over the impact of social media on youth mental health and follows recent actions in other jurisdictions, including Australia's ban on social media for children under 16.Under the law, platforms that operate partly or entirely in New York must comply, even if users access the services while physically outside the state. Enforcement authority rests with the New York Attorney General, who may bring civil suits and seek penalties of up to $5,000 per violation. Hochul likened the labels to those found on tobacco products or plastic packaging, positioning them as a public health measure designed to inform and protect.Major companies like Meta, TikTok, Snap, and Alphabet have not yet responded publicly to the law. The move aligns with ongoing legal efforts across the U.S., including lawsuits by school districts against social media companies and recommendations from the U.S. Surgeon General for stronger safety measures and clearer warnings. Critics may question the efficacy or enforceability of such warnings, especially in a fragmented digital landscape, but New York's law signals a growing willingness by states to directly regulate platform design in the name of mental health.New York to require social media platforms to display mental health warnings | Reuters This is a public episode. 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At last night's meeting, many important issues were discussed and decided. These included an important memo about enrollment decline, a school closure vote, and a budget update. Conversations between the Committee and district pointed to long-term issues for BPS. The School Closure Vote:  The most anticipated item of the evening was the vote on school closures. Chair Robinson framed the decision as part of a broader strategy to improve academic outcomes, address underutilized facilities, and strengthen the district's long-term sustainability. Superintendent Skipper emphasized declining enrollment, excess capacity, and the need to concentrate resources in fewer schools, referencing the district's long-term facilities framework and enrollment projections as justification for the closures. Committee members expressed significant unease ahead of the vote. Several members raised concerns about students who have already experienced multiple school transitions due to prior closures and questioned whether the district has tracked outcomes for those students. Others noted confusion around the district's emphasis on facilities, particularly in cases where school buildings remain in usable condition. Members also highlighted broader systemic failures, including the absence of a clear, actionable long-term facilities plan and a history of delayed accountability. Despite widespread concern, unresolved questions, and visible discomfort among several members, the Committee approved the school closure plan by a vote of six in favor and one opposed. The discussion made clear that some members viewed the vote as a necessary fiscal decision rather than an educational one, underscoring the tension between budget realities and student-centered outcomes. A Financial Update:  The final presentation of the evening focused on the district's financial outlook as budget season begins for the Committee. Superintendent Skipper described mounting fiscal pressures, including rising healthcare costs, collective bargaining agreements, transportation expenses, special education costs, and continued enrollment decline. District leadership also introduced the transition from weighted student funding to a new rules-based funding formula, intended to more equitably fund schools and provide greater transparency. Chief Financial Officer David Bloom explained that the new funding model prioritizes required staffing and non-personnel costs before allocating remaining resources, marking a shift away from per-pupil funding. District leadership emphasized that transition support will be provided to schools over the next two years, as the shift occurs. Committee discussion highlighted the district's nearly $150 million transportation budget, inefficiencies in service delivery, and parallels between rising healthcare and transportation costs. Members raised concerns about accountability and questioned whether longstanding inefficiencies are being meaningfully addressed. Committee members also questioned the growth in support staff amid declining enrollment. District officials indicated that staffing reductions will largely affect classroom teachers and paraprofessionals, while attempting to preserve positions tied to inclusive education and student support services. Estimates suggest that several hundred positions may be eliminated as enrollment continues to fall and schools close, reinforcing concerns about the district's long-term workforce planning. A Closing Recognition and Looking Ahead:  The meeting concluded with the Committee honoring Vice Chair Michael O'Neill for his 17 years of service to the BPS and the City of Boston.  The next public meeting will be held virtually on January 21st, 2026 at 5:30pm. In the meantime, we hope everyone has a wonderful holiday season filled with health, joy, and community. We will see you in the new year! Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this episode, we dive into some thought-provoking topics that could reshape our understanding of the universe. A groundbreaking study introduces the immersion theory, suggesting that Earth-like planets may be far more common than previously believed, thanks to the explosive influence of nearby supernovae. We also explore the Eschtachian hypothesis, which proposes that our first contact with extraterrestrial life might come in the form of a powerful signal from a civilization in distress. Additionally, we highlight an exciting week of record space launches, including China's Long March 12A rocket and South Korea's Hanbit Nano. We celebrate a significant milestone for NASA's Mars Reconnaissance Orbiter, which has captured its 100,000th image, and we wrap up with the announcement of NASA's Orbit Challenge, inviting college students to innovate for future space exploration.### Timestamps & Stories01:05 – **Story 1: Immersion Theory and Earth-like Planets****Key Facts**- A new study suggests rocky planets may be more common due to supernova explosions.- Estimates indicate that 10-50% of sun-like stars could host planetary systems formed under these conditions.03:20 – **Story 2: The Eschtachian Hypothesis****Key Facts**- Proposed by David Kipping, this theory posits that first contact with aliens may come from a civilization in its final phase.- The idea suggests we may receive a powerful signal as a last testament rather than a friendly communication.05:45 – **Story 3: Record-Breaking Week for Space Launches****Key Facts**- Multiple agencies, including SpaceX and China's space program, are set to launch various missions.- Notable launches include the Ariane 6 for Galileo satellites and Blue Origin's crewed flight.08:00 – **Story 4: Mars Reconnaissance Orbiter Milestone****Key Facts**- NASA's MRO has captured its 100,000th image, chosen by a high school student through the HiWish program.- The landmark photo features stunning mesas and dunes in Syrtis Major.10:15 – **Story 5: NASA's Orbit Challenge for Students****Key Facts**- This new competition invites college students to develop solutions for Earth and deep space exploration.- With a prize pool of up to $380,000, registration is open until February 9, 2026.### Sources & Further Reading1. Science Advances2. NASA3. SpaceX4. European Space Agency5. JAXA### Follow & ContactX/Twitter: @AstroDailyPodInstagram: @astrodailypodEmail: hello@astronomydaily.ioWebsite: astronomydaily.ioClear skies and see you tomorrow!

As project managers, we spend a lot of time talking about tools, processes, and delivery frameworks—but far less time talking about the invisible structure that holds projects together: trust. In this Top Shelf Replay episode of Project Management Happy Hour, Kim Essendrup and Kate Anderson revisit one of the show's earliest and most enduring concepts: Trust Bricks. Originally recorded in 2018, this short but powerful episode explores how trust is built—not through grand gestures or heroic saves—but through consistent, everyday actions that compound over time. The core idea is simple: trust is predictability. When you repeatedly do what you say you'll do—whether that's sending meeting notes on time, honoring estimates, or showing up prepared—you lay one small Trust Brick at a time. Over weeks, months, and years, those bricks form a structure strong enough to withstand missed deadlines, bad news, or the occasional broken promise. Kim and Kate break down why Trust Bricks matter so much in project environments: Teams are more honest with you when they trust you Estimates improve when people believe they won't be punished for telling the truth Difficult conversations become easier when everyone believes you're on the same side Sponsors give you more latitude when your track record is consistent The conversation also explores what happens when trust breaks—and how the same Trust Brick approach can be used to rebuild credibility. Rather than trying to restore trust with a single "big win," the hosts argue that rebuilding starts small: partial deliverables, frequent check-ins, and deliberately meeting micro-commitments until confidence is restored. In the replay commentary, Kim and Kate reflect on how their thinking has evolved since the original recording. They discuss: The role of showing up consistently, even when no explicit promise was made How trust operates differently in virtual and remote teams Why strong performers can accidentally set expectations that lead to burnout How leaders vary widely in how much "trust damage" they tolerate before overreacting The episode also revisits the journey of Trust Bricks beyond the podcast, including Kim's experience delivering a TEDx talk on the topic and refining the framework into three enduring lessons: You are always building or breaking Trust Bricks—whether you realize it or not Missed expectations don't pause trust building; they actively tear it down Unspoken expectations are the fastest way to accidentally destroy trust This episode is a reminder that trust isn't soft, vague, or optional—it's a core delivery skill. If you want stakeholders who back you, teams who tell you the truth, and projects that don't require constant firefighting, it starts with sweating the small commitments. The next time you make a commitment—big or small—ask yourself: Am I laying a brick… or cracking one? Check out Kim's TEDx talk at trust-bricks.com or on the TED youtube channel Want more PM reality without the fluff? Join the PMHH membership for courses, templates, community, and direct access to Kate and Kim. https://pmhappyhour.com/membership

The planet Mercury is shrinking. It’s contracted by several miles since its birth. And it’s continuing to get smaller even now. Mercury is the closest planet to the Sun. It’s also the smallest major planet in the solar system – a little more than 3,000 miles in diameter – about the width of the 48 states. It has a core of iron and nickel, surrounded by dense layers of rock. And it’s topped by a thin crust. The surface of the planet is marked by lots of impressive cliffs. The biggest is more than 600 miles long and about two miles high. They formed as Mercury lost heat from its interior. As the planet cooled, it shrank. Estimates of how much it’s contracted have ranged from about a mile to about nine miles. A recent study narrowed the range a little bit. It measured the most dramatic features, then scaled that to the surface of the entire planet. The result suggests that Mercury has shrunk by about three to five miles as a result of its cooling. And when you add in some other causes, the total contraction is about four to seven miles. And Mercury is still getting smaller today. This incredible shrinking planet is quite low in the southeast in the dawn twilight for the next few days. It looks like a bright star, but you need a clear horizon to spot it. And because of the viewing angle, it’s easier to spot from more southern latitudes. Tomorrow, the Moon stands to its right or upper right. Script by Damond Benningfield

Happy holidays from Focus Partners' Todd Jones and the “Two-Minute Market Focus” team! In the last episode of 2025, Todd shares his thoughts on market performance over the last quarter, earnings growth estimates for 2026, outlier risks, correction/recession indicators, and more. Click here to view supporting charts referenced in today's episode.

Today we're going to talk about a cognitive bias that causes people to believe, often mistakenly, that they are less likely to experience negative events and more likely to experience positive events than others. Estimates suggest that 80% of us display what's known as the optimism bias. For example, we might think that we are less likely to get sick, lose our job, or have a car accident than the average person. We might also think that we are more likely to live longer, be successful, or win the lottery than others. Why do we have such a bias? And how does it affect our decisions and actions? What are the drawbacks of optimism bias? In under 3 minutes, we answer your questions ! To listen to the latest episodes, click here: ⁠Is it bad to hold in your pee?⁠ ⁠Why does looking at the sun make me sneeze?⁠ ⁠What is “Act your Wage”, Gen Z's latest work-life trend?⁠ A Bababam Originals podcast written and realised by Joseph Chance. First Broadcast : 7/6/2023 Learn more about your ad choices. Visit megaphone.fm/adchoices

The range of red squirrels in the Scottish Highlands has increased by more than 25% following a 10-year reintroduction project by rewilding charity Trees for Life. Surveys show that over a dozen new populations of reds are now thriving and breeding successfully - with many spreading and linking up, and others likely to do so in future. Red squirrel range in Highlands increases, Scottish rewilding Following the latest reintroductions this year, Trees for Life has so far relocated 259 red squirrels to 13 new sites in the northwest Highlands from which the species was missing. Reds are now present as far north as Ullapool and Brora, at multiple locations on the northwest coast, at Morvern to the southwest, and across all areas of suitable habitat in the central Highlands as far north as Lairg, Trees for Life's latest survey found. "This rewilding success story is offering hope for the long-term survival of Scotland's much-loved red squirrels, and shows how we can make a real and positive difference to our native wildlife," said Trees for Life's Becky Priestley. The charity now plans to expand the species' range further as part of an ambitious new Missing Species Programme for the Highlands, which it is to launch to bring back four of Scotland's keystone animals which are partly or fully missing from Scotland. Although an iconic Scottish species, the red squirrel was brought to the edge of extinction in Britain by historic habitat loss and human persecution. Its recovery remains at risk due to competition from the non-native grey squirrel, which also carries the fatal squirrel pox virus. During the NatureScot-licensed reintroductions, Trees for Life carefully relocates small numbers of reds from healthy populations around Inverness-shire, Moray and Strathspey to suitable woods in the north and northwest, where they will be safe from greys. Red squirrels can't reach these havens without help, because they avoid crossing large open spaces. The latest releases this year saw 12 reds reintroduced to woodlands along the coast from Letterfearn to Ratagan on the Glenelg peninsula, to bolster the population after seven squirrels were released the previous autumn. Estimates of UK numbers of reds range from just 160,000 to 287,000. Scotland is today the British stronghold for the woodland-loving species - home to 80% of the population. Before the reintroductions, reds were absent from most of their former range in the north and northwest Highlands, with the last records generally from the 1970s. Trees for Life's surveys show reintroductions have been highly successful, already increasing the Highland red squirrel range by more than 26%. Prior consultations are carried out at each release site. Only a few reds are relocated from each donor site to leave those populations unaffected, and these sites are regularly changed to ensure genetic diversity. Checks ensure only healthy animals are relocated. With animal welfare paramount, the reds are transported in hay-lined nest boxes and released into habitat with plenty of natural food and shelter. Additional food is provided for several months as the reds get used to their new habitat. Since launching the project in 2015, Trees for Life has established new populations of reds in Shieldaig, Coulin, Plockton, Inverewe, Reraig, Attadale, Letterewe, Lochaline, Spinningdale, Golspie, Arisaig, Drimnin, and Ratagan. Combined with the previous work of the Roy Dennis Wildlife Foundation, which pioneered the reintroductions to three other sites, in total more than 340 red squirrels have been relocated to 16 new sites in the Highlands since 2008. "Our local community volunteers have been at the heart of this project - from identifying donor sites, to helping with supplementary feeding and taking part in citizen science by reporting sightings and monitoring camera traps," said Becky Priestley. A detailed new red squirrel distribution map for the Highlands to inform future restoration initiatives has been cr...

Guest Jessica Holdman, a reporter with the South Carolina Daily Gazette, tells us that the new gas plant planned for Canadys has significantly increased cost estimates.

L.A. is moving forward with a plan to include water taxis for the 2028 Olympics. Estimates are in for about how much revenue the Olympics could bring to L.A. Plus, for Food Friday, we'll talk about tamales that are pushing the boundaries. Support The L.A. Report by donating at LAist.com/join and by visiting https://laist.com Visit www.preppi.com/LAist to receive a FREE Preppi Emergency Kit (with any purchase over $100) and be prepared for the next wildfire, earthquake or emergency!Support the show: https://laist.com

Wayne and Rob host guest speaker Chris Frate with Pasquale Floors to discuss why he charges for estimates. Follow Bona US Professional online: Website: https://www1.bona.com/en-us/professional/ Subscribe on YouTube: https://www.youtube.com/BonaProfessional Facebook: https://www.facebook.com/bonauspro/ Instagram: https://www.instagram.com/bonapro.us/

NEWS: P79B lost to ghost projects since 2016, Lacson estimates | Dec. 4, 2025Subscribe to The Manila Times Channel - https://tmt.ph/YTSubscribe Visit our website at https://www.manilatimes.net Follow us: Facebook - https://tmt.ph/facebook Instagram - https://tmt.ph/instagram Twitter - https://tmt.ph/twitter DailyMotion - https://tmt.ph/dailymotion Subscribe to our Digital Edition - https://tmt.ph/digital Check out our Podcasts: Spotify - https://tmt.ph/spotify Apple Podcasts - https://tmt.ph/applepodcasts Amazon Music - https://tmt.ph/amazonmusic Deezer: https://tmt.ph/deezer Stitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tunein#TheManilaTimes#KeepUpWithTheTimes Hosted on Acast. See acast.com/privacy for more information.

pWotD Episode 3130: 1989 Tiananmen Square protests and massacre Welcome to popular Wiki of the Day, spotlighting Wikipedia's most visited pages, giving you a peek into what the world is curious about today.With 182,695 views on Wednesday, 26 November 2025 our article of the day is 1989 Tiananmen Square protests and massacre.The Tiananmen Square protests, known within China as the June Fourth Incident, were student-led demonstrations held in Tiananmen Square in Beijing, China, lasting from 15 April to 4 June 1989. After weeks of unsuccessful attempts between the demonstrators and the Chinese government to find a peaceful resolution, the Chinese government deployed troops to occupy the square on the night of 3 June in what is referred to as the Tiananmen Square massacre. The events are sometimes called the '89 Democracy Movement, the Tiananmen Square Incident, or the Tiananmen uprising.The protests were precipitated by the death of pro-reform Chinese Communist Party (CCP) general secretary Hu Yaobang in April 1989 amid the backdrop of rapid economic development and social change in post-Mao China, reflecting anxieties among the people and political elite about the country's future. Common grievances at the time included inflation, corruption, limited preparedness of graduates for the new economy, and restrictions on political participation. Although they were highly disorganised and their goals varied, the students called for things like rollback of the removal of iron rice bowl jobs, greater accountability, constitutional due process, democracy, freedom of the press, and freedom of speech. Workers' protests were generally focused on inflation and the erosion of welfare. These groups united around anti-corruption demands, adjusting economic policies, and protecting social security. At the height of the protests, about one million people assembled in the square.As the protests developed, the authorities responded with both conciliatory and hardline tactics, exposing deep divisions within the party leadership. By May, a student-led hunger strike galvanised support around the country for the demonstrators, and the protests spread to some 400 cities. On 20 May, the State Council declared martial law, and as many as 300,000 troops were mobilised to Beijing. After several weeks of standoffs and violent confrontations between the army and demonstrators left many on both sides severely injured, a meeting held among the CCP's top leadership on 1 June concluded with a decision to clear the square. The troops advanced into central parts of Beijing on the city's major thoroughfares in the early morning hours of 4 June and engaged in bloody clashes with demonstrators attempting to block them, in which many people – demonstrators, bystanders, and soldiers – were killed. Estimates of the death toll vary from several hundred to several thousand, with thousands more wounded.The event had both short and long term consequences. Western countries imposed arms embargoes on China, and various Western media outlets labeled the crackdown a "massacre". In the aftermath of the protests, the Chinese government suppressed other protests around China, carried out mass arrests of protesters which catalysed Operation Yellowbird, strictly controlled coverage of the events in the domestic and foreign affiliated press, and demoted or purged officials it deemed sympathetic to the protests. The government also invested heavily into creating more effective police riot control units. More broadly, the suppression ended the political reforms which began in 1986 as well as the New Enlightenment movement, and halted the policies of liberalisation of the 1980s, which were only partly resumed after Deng Xiaoping's Southern Tour in 1992. Considered a watershed event, reaction to the protests set limits on political expression in China that have lasted up to the present day. The events remain one of the most sensitive and most widely censored topics in China.This recording reflects the Wikipedia text as of 02:38 UTC on Thursday, 27 November 2025.For the full current version of the article, see 1989 Tiananmen Square protests and massacre on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Mastodon at @wikioftheday@masto.ai.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm neural Kendra.

Original Release Date: October 10, 2025Our U.S. Thematic and Equity Strategist Michelle Weaver discusses how the largest intergenerational wealth transfer in history could reshape saving, spending and investment behavior across America.Read more insights from Morgan Stanley.----- Transcript ----- Michelle Weaver: Welcome to Thoughts on the Market. I'm Michelle Weaver, Morgan Stanley's U.S. Thematic and Equity Strategist.Today, a powerful force reshaping the financial lives of millions of Americans: inheritance.It's Friday, October 10th at 10am in New York.Americans are living longer and they're passing on their wealth later. Longevity is one of Morgan Stanley Research's four key themes, and this is an interesting element of longevity. As baby boomers age, they're expected to transfer their wealth to Gen X, millennials and Gen Z to the tune of tens or even hundreds of trillions of U.S. dollars.Estimates vary widely, but the amounts are unprecedented. And so, inheritance isn't just a family milestone; it's becoming an important cornerstone of financial planning and longevity. And understanding who's receiving, expecting, and using their inheritances is key to forecasting how Americans save, spend, and invest.According to our latest AlphaWise survey, 17 percent of U.S. consumers have received an inheritance, and another 14 percent expect to receive one in the future. Younger Americans are especially optimistic. Their expectations split evenly between those anticipating an inheritance within the next 10 years and those expecting it further out.But here's the kicker; income plays a huge role. Only 17 percent of lower income consumers report receiving or expecting an inheritance, but that number jumps to 43 percent among higher income households highlighting a clear wealth divide.What about the size of the inheritance? In our survey, those who received or expect to receive an inheritance fall broadly into three categories. About half reported amounts under $100,000 dollars. For about a third, that amount rose to under $500,000. And then meanwhile, 10 per cent reported an inheritance of half a million dollars or more.Younger consumers tend to report smaller amounts, while inheritance size rises with income. One important thing to remember about our survey though, is it looks more at the average person. We are missing some of those very high net worth demographics in there where I would expect inheritance to rise much higher than half a million.And so, when we think about this, how will recipients use this wealth? That's a really important question. The majority, about 60 percent, say they have or will put their inheritance towards savings, retirement, or investments. About a third say they'll use it for housing or paying down debt. Day-to-day consumption, travel, education and even starting a business or giving to charity also featured in the survey responses – but to a lesser extent.The financial impact of inheritance is significant: 46 percent of recipients say it makes them feel more financially secure; 40 percent cite improvements in savings; and 22 percent associate it with increased spending. Some even report retiring earlier or lightening their workloads.Inheritance trends are shaping consumer behavior and have the power to influence spending patterns across industries. To sum it up, inheritance isn't just a family matter, it's a market mover.Thanks for listening. If you enjoy the show, please leave us a review wherever you listen, and share Thoughts on the Market with a friend or colleague today.

Darshan H. Brahmbhatt, Podcast Editor of JACC: Advances, discusses a recently published original research paper on Predictive Models Aid Prognostication: Secondary Analysis Integrating Model and Physician Prognostic Estimates in Heart Failure.

Under Yezhov's leadership the NKVD launched a campaign of arrests targeting party members, military officers, and civilians that saw widespread purges, forced confessions, and executions. Estimates of those killed range into the hundreds of ...

Welcome to Omni Talk's Retail Daily Minute, sponsored by Mirakl. In today's Retail Daily Minute, Omni Talk's Chris Walton discusses:Kohl's appoints Michael Bender as permanent CEO after six months as interim chief, making him the retailer's third CEO in three years following the termination of his predecessor for policy violations.Ross Stores surpasses earnings expectations with 10% sales growth and 7% comparable store sales increase, raising Q4 outlook as value-conscious shoppers respond to expanded brand assortments despite tariff headwinds.Weather forecasts from Planalytics predict colder-than-normal temperatures and precipitation across key markets during Black Friday weekend, potentially driving demand for winter categories while creating travel challenges for holiday shoppers.The Retail Daily Minute has been rocketing up the Feedspot charts, so stay informed with Omni Talk's Retail Daily Minute, your source for the latest and most important retail insights. Be careful out there!

Most contractors and home service owners don't struggle because they can't sell. They struggle because they lack a predictable client journey from cold to sale. Estimates vary wildly, every technician sells differently, and customers often drift into the “let me think about it” dead zone. Meanwhile, owners are left wondering how many jobs slip away simply due to an inconsistent process rather than customer resistance. In this episode, host Mike Abramowicz sits down with Curt Kempton, founder of ResponsiBid and former owner of an internationally awarded window cleaning and pressure washing business. Curt reveals how he engineered a curiosity-driven sales process that feels natural for technicians, reduces customer friction, and dramatically increases close rates. This conversation is a masterclass in sales psychology, customer experience, and systemizing the path from interest to investment. Timestamps: [00:00] Meet Curt Kempton [03:00] Building and selling an award-winning cleaning business [06:40] Why many tradespeople struggle with sales [09:20] What makes a good salesperson [13:30] Research Mode vs Decision Mode [17:45] Creating a predictable client journey [21:30] Pre-framing with video and email [24:00] Why line-item estimates reduce conversions [30:10] Running the in-home experience smoothly [34:45] Your selling process vs their buying process [38:40] How many options to present [44:30] Price anchoring and shifting customer expectations [48:30] Following up after a “no” [53:50] Curt's free sales audit quiz [54:50] What it means to be Better Than Rich Key Quotes “Curiosity is what leads good sales.” “If you don't participate in research mode, you won't be there when it flips to decision mode.” “Line-item estimates create moral tax for the customer.”“You are either taking them through your selling process, or they are taking you through their buying process.”“Follow-up keeps the door open so customers can return without feeling embarrassed.” Key Takeaways: A good salesperson prioritizes the customer's value, not their own agenda. Buyers move predictably from research mode to decision mode, and your process must meet them early.Pre-framing with simple videos and emails reduces objections before you ever arrive on-site. Presenting packages instead of line items eliminates overwhelm and increases conversions. Follow-up after a no often recaptures customers who regret choosing cheaper competitors. Mentioned Links: ResponsiBid: https://responsibid.com Sales Process Audit Quiz: https://responsibid.com The Better Than Rich Show YouTube Channel: https://www.youtube.com/@thebetterthanrich Connect with The Better Than RichWebsite - https://www.betterthanrich.com/Facebook - https://m.facebook.com/betterthanrich/Instagram - https://www.instagram.com/betterthan_rich/Twitter - https://mobile.twitter.com/betterthan_richTikTok - https://www.tiktok.com/@betterthanrichYouTube - https://www.youtube.com/channel/UC3xXEb7rKBvkCOdtWd4tj2ALinkedin - https://www.linkedin.com/company/betterthanrich

SSRI prescriptions are more common than ever—but how much do we really understand about how they work, their true efficacy, and their potential downsides? In this episode, we take a deep dive into the world of SSRIs, breaking down their mechanism of action and why their use has skyrocketed in recent years.   We unpack the growing concern around emotional blunting, a well-documented effect that can leave individuals feeling flat, disconnected, or lacking drive. You'll learn why the serotonin deficiency model falls short, what SSRIs actually do in the brain, and why so many people are placed on them without a root-cause approach. We also explore powerful food-as-medicine and lifestyle strategies proven to support mood: from low-glycemic eating and amino acid repletion, to gut health, micronutrients, and more. If you're looking to understand the full picture of SSRIs and discover evidence-backed alternatives for mental wellness, this episode is a must-listen.   Also in this episode:  Free Detox Webinar Naturally Nourished Black Friday Starts Now - use code SAVE10 for 10% off all supplements Naturally Nourished Academy Now Enrolling with Early Bird Pricing Through 12/31 Give the Gift of Wellness with Naturally Nourished Gift Cards Episode 160: Neurotransmitters Part 1 The Anti Anxiety Diet What is Serotonin Sleep Support Low vs. High Serotonin What are SSRIs? Fu-Ming Zhou, Yong Liang, Ramiro Salas, Lifen Zhang, Mariella De Biasi, and John A. Dani: "Corelease of Dopamine and Serotonin from Striatal Dopamine Terminals" SSRIs and Violent Crime Associations between selective serotonin reuptake inhibitors and violent crime in adolescents, young, and older adults - a Swedish register-based study - PubMed Selective Serotonin Reuptake Inhibitors and Violent Crime: A Cohort Study | PLOS Medicine How to Naturally Boost Serotonin and Support Mood Protein Whey Protect Magnesium Role of magnesium supplementation in the treatment of depression: A randomized clinical trial | PLOS One Magnesium supplementation beneficially affects depression in adults with depressive disorder: a systematic review and meta-analysis of randomized clinical trials Relax and Regulate MethylFolate Assessing Effects of l-Methylfolate in Depression Management: Results of a Real-World Patient Experience Trial MethylComplete Movement Effect of exercise for depression: systematic review and network meta-analysis of randomised controlled trials | The BMJ Gaba GabaCalm Keto for Mental Health The use of the ketogenic diet in the treatment of psychiatric disorders - PMC Probiotics as Natures Prozac Acceptability, Tolerability, and Estimates of Putative Treatment Effects of Probiotics as Adjunctive Treatment in Patients With Depression: A Randomized Clinical Trial | Depressive Disorders | JAMA Psychiatry Probiotic Challenge Protocol   Sponsors for this episode:  This episode is sponsored by FOND Bone Broth, your sous chef in a jar. FOND's bone broths and tallows are produced in small batches with premium ingredients from verified regenerative ranches. Their ingredients are synergistically paired for maximum absorption, nutritional benefit, and flavor. Use code ALIMILLERRD to save at https://fondbonebroth.com/ALIMILLERRD.   

COP 30 is largely "political theater" with commitments insufficient to address climate change. Estimates suggest the crucial 1.5-degree global temperature increase will be reached by 2030. While there is increased international attention, funding remains inadequate; Brazil secured only $5.5 billion toward its $125 billion forest preservation goal. The plight of Amazonian indigenous peoples continues unaddressed. Guest: Evan Ellis.4/4

SHOW 11-13-25 CBS EYE ON THE WORLD WITH JOHN BATCHELOR THE SHOW BEGINS IN THE DOUBTS ABOUT BUNDESTAG COHESION AND  STABILITY. FIRST HOUR 9-915 1/2 Anatol Lieven discusses the war in Ukraine, noting the new Russian unit RubiKon hunting drone operators and the slow Russian advance on Pakovsk, aided by both innovation and old factors like fog. The conversation also covers Germany's military rearmament plans and the significant, rising influence of the populist right AFD party in German politics, which is strongly anti-immigrant and largely anti-rearmament. Guest: Anatol Lieven. 1/2 915-930 2/2 Anatol Lieven details UK Prime Minister Starmer's genuine political troubles concerning domestic policy drift and significant potential losses in upcoming regional elections. Starmer maintains prestige supporting Ukraine, though funding remains a question. A back channel to Moscow has been opened by Jonathan Powell to discuss peace, dropping the prior insistence on a ceasefire, indicating a shift in London. Guest: Anatol Lieven. 2/2 930-945 Chris Riegel, CEO of SCALA.com, states that Chinese claims of matching Nvidia's high-end chip success are largely propaganda, though China mandates domestic chip use. The US holds the AI "pole position." AI is a genuine profit driver, worth trillions to GDP, with material workforce impact expected by 2026. Guest: Chris Riegel 945-1000 Mary Anastasia O'grady reports on the assassination of Mayor Carlos Monzo in Michoacán, killed after leaving President Sheinbaum's Morena party and aggressively confronting cartels and their agricultural extortion. Sheinbaum has cooperated smartly with the US, allowing surveillance flights, and hired credible security chief García Haruch. The main challenge is whether Sheinbaum has the political will to confront the cartels, especially given the widespread belief in Morena's complicity. Guest: Mary Anastasia O'Grady. SECOND HOUR 10-1015 Cliff May discusses severe Christian persecution in Nigeria, which President Tinubu claims guarantees religious liberty. Attacks are carried out by Boko Haram, ISWAP, and powerful Fulani militias. May suggests jihadism acts as theological justification for Fulani nomadic herders to seize land from Christian farmers. The US could provide assistance, training, and advice to the Nigerian military to protect communities. Guest: Cliff May. 1015-1030 Sadanand Dhume examines the shift in US foreign policy, where President Trump now favors Pakistan and its military chief, General Munir. This followed intense combat between India and Pakistan after a horrific terrorist attack. When the US mediated a ceasefire, Trump took credit, which embarrassed Indian Prime Minister Modi. Pakistan cleverly thanked Trump and nominated him for a Nobel Peace Prize, securing his favor over India. India now needs a trade deal. Guest: Sadanand Dhume. 1030-1045 Professor Matthew Graham discusses the most powerful black hole flare ever recorded, which shone like 10 trillion suns from an Active Galactic Nucleus (AGN). Material falling into the supermassive black hole forms an accretion disc, releasing intense radiation. This 10-billion-year-old event was detected using computer cameras. Graham explains that these black holes are ancient "seeds" of galaxies, acting as cosmic vacuum cleaners, such as when a large star gets shredded. Guest: Professor Matthew Graham. 1/2 1045-1100 Professor Matthew Graham details his needs for future black hole research, prioritizing a network of space telescopes with large fields of view, like the Roman space telescope, for perpetual, multi-wavelength monitoring of the sky. This "audit of the cosmos" will improve detection speed and timing. Graham encourages students to pursue black hole work, noting it is a vibrant growth area, viewing black holes as the enduring future product of the universe. Guest: Professor Matthew Graham.2/2 THIRD HOUR 1100-1115 Veronique de Rugy discusses the cost of living, critiquing the administration's claims that Thanksgiving dinner is cheaper, citing the use of shrinkflation and item removal. She criticizes the proposal to send $2,000 checks, noting this Keynesian approach boosts demand, which, without increased supply, risks raising prices further. De Rugy advocates for deregulation and the elimination of tariffs (which she confirms are a tax) as the necessary supply-side solution to the affordability crisis. Guest: Veronique de Rugy. 1115-1130 Conrad Black assesses Canadian Prime Minister Mark Carney's new budget as anti-climactic, failing to deliver promised growth or definitive decisions on controversial policies like pipelines. However, the budget was sensible and conciliatory, avoiding conflict with the opposition, Washington, and Alberta. Carney, adopting a diplomatic style akin to a central banker, did offer serious encouragements to alleviate the housing shortage. Guest: Conrad Black. 1130-1145 Scott Winship analyzes 50 years of US median earnings, preferring the MACPI to accurately adjust for cost of living. He finds that the middle class is better off: women's earnings are up 120%, and men's are up 40–50%. Winship disputes populist theories that income inequality or the China shock are the main villains, noting that the worst period for young men was 1973–1989, predating those factors. Guest: Scott Winship.1/2 1145-1200 Scott Winship investigates the mystery of the decline in young men's earnings between 1973 and 1989. He concludes this period was not caused by accelerated immigration or women entering the workforce, as men's earnings continued to rise. The actual explanation is the unique economic combination of stagflation—high unemployment and very high inflation—that occurred until the early 1980s recession. This severe economic dynamic has not been matched since 1989. Guest: Scott Winship. FOURTH HOUR 12-1215 The arrival of the US carrier Gerald Ford signals an escalating commitment to possible military solutions against Maduro's regime in Venezuela. Maduro has ordered a Cuban-style guerrilla defense, but analysts worry more about "anarchization"—wreaking havoc—if he falls. Removing Maduro and lifting sanctions could lead to necessary refinancing of Venezuela's $170 billion debt. Guest: Evan Ellis. 1/4 1215-1230 Peru faces severe political instability, evidenced by six presidents in two years and detentions for corruption. Transitional leader José Heresi is tackling rising organized crime, including a 36% jump in homicides, through a state of emergency. Meanwhile, China maintains deep-seated influence, controlling key sectors like mining, oil, and the deep-water port of Chancay. Guest: Evan Ellis.2/4 1230-1245 Honduras is holding a high-stakes, single-round election where the outcome could determine if the country returns to alignment with Taiwan or shifts to China. Election observers noted improper pressure and concerns about meddling by the ruling Libre Party. Separately, Argentina's economy under Milei is strengthening, backed by a significant US currency swap and political support. Guest: Evan Ellis. 3/4 1245-100 AM COP 30 is largely "political theater" with commitments insufficient to address climate change. Estimates suggest the crucial 1.5-degree global temperature increase will be reached by 2030. While there is increased international attention, funding remains inadequate; Brazil secured only $5.5 billion toward its $125 billion forest preservation goal. The plight of Amazonian indigenous peoples continues unaddressed. Guest: Evan Ellis.4/4 | 

In this episode, Wade sits down with James Hatfield, Chief Revenue Officer at LiveSwitch, to talk about how video and AI are transforming sales for moving and home service businesses. They dig into why the old way of doing in-person estimates is slowing companies down, and how virtual video surveys can help you win the "race to the face," respond faster, and close more of the right jobs without sending a truck to every lead. The conversation covers practical use cases for live video and AI: building accurate inventories and cube sheets from a simple walkthrough, documenting pre-existing damage to protect your crews, turning recordings into training and SOPs, and creating a long-term "data moat" that makes your business harder to compete with. They also look ahead at what's coming next—AI agents that can watch surveys, build reports, and help move you toward almost touchless online booking. Connect with James Hatfield: Chief Revenue Officer of LiveSwitch https://www.linkedin.com/in/james-hatfield/ Know more about LiveSwitch: https://www.liveswitch.com/ Shop Wade's book - Hometown Titan: Build A Local Business That Dominates Your Market: https://a.co/d/8zLXZMC Become a MOVING TITAN at the next Moving Titan Retreat https://www.movingtitanretreats.com/ Tighten up your moving company operations with TITAN UP TRAINING https://www.titanuptraining.com/ This episode is powered by Hyre (formerly Hey Lieu) Virtual Assistants: https://www.hyreup.com/ https://www.linkedin.com/company/hyre https://www.instagram.com/hyre.up https://www.facebook.com/hyre.up This episode is sponsored by: Moversville - an online marketing company and resource for movers, consumers, and those involved in the moving process. https://www.moversville.com/wade USA Home Listings – a marketing and lead resource for moving companies. https://www.usahomelistings.com/   About the Show Wade Swikle is the CEO of 2 College Brothers Moving, Storage and Franchising, currently with locations in Tampa, Gainesville, and Orlando, Florida. https://2collegebrothers.com/   Learn more and connect with Wade Swikle: Wade's website: https://2collegebrothers.com/ LinkedIn: https://www.linkedin.com/in/wadeswikle/ Youtube: https://www.youtube.com/@2CollegeBrothersMovingStorage Instagram: https://www.instagram.com/wadeswikle/

(The Center Square) – The U.S. House select committee that investigated the Jan. 6, 2021, attack on the U.S. Capitol cost almost twice as much as previously reported, including spending taxpayer funds for TV news producers and documentary filmmakers to create videos dramatizing its case against President Donald Trump, an investigation by The Center Square found.Support this podcast: https://secure.anedot.com/franklin-news-foundation/ce052532-b1e4-41c4-945c-d7ce2f52c38a?source_code=xxxxxx Read more: https://www.thecentersquare.com/national/article_e6512782-9ecf-4b83-ad61-2fd26f4464f3.html Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Plus: Paramount Skydance shares jump after the entertainment company reports third quarter earnings. And Pakistan blames India-backed militants for a deadly suicide bombing in Islamabad, raising tensions in the region. Zoe Kuhlkin hosts. Sign up for WSJ's free What's News newsletter. An artificial-intelligence tool assisted in the making of this episode by creating summaries that were based on Wall Street Journal reporting and reviewed and adapted by an editor. Learn more about your ad choices. Visit megaphone.fm/adchoices

Ahmad Fouad Alkhatib discusses the high probability of renewed conflict in Gaza, arguing that the ceasefire is fragile due to Hamas's malign intentions. He estimates Hamas's combat-effective forces are significantly lower than reported (3,000 to 5,000, versus 15,000 to 30,000), noting Hamas pays fighters $20 to $25 a day. He also challenges polls showing widespread Gazan support for Hamas, arguing such results are manipulated and defy logic given the catastrophe following October 7. Disarmament is crucial for any future political process. 1898

Ahmad Fouad Alkhatib discusses the high probability of renewed conflict in Gaza, arguing that the ceasefire is fragile due to Hamas's malign intentions. He estimates Hamas's combat-effective forces are significantly lower than reported (3,000 to 5,000, versus 15,000 to 30,000), noting Hamas pays fighters $20 to $25 a day. He also challenges polls showing widespread Gazan support for Hamas, arguing such results are manipulated and defy logic given the catastrophe following October 7. Disarmament is crucial for any future political process. 1917

PREVIEW. Inside Gaza: Estimates of Hamas's Remaining Combat Forces and Fighter Pay. Ahmad Fouad Alkhatib of the Atlantic Council discusses the situation inside the half of Gaza where Hamas maintains control using the power of the gun. Based on contacts on the ground, he is highly skeptical of estimates claiming 15,000 to 30,000 Hamas troops. His personal estimate, shared by military intelligence contacts, places the number of combat-effective militants at no more than 3,000 to 5,000. Hamas allegedly offers its fighters $20 to $25 a day. RAMALLAH

Flood Data Shows Alarming Trends, Surpassing Previous Modeling Estimates. Professor Beth Tellman (University of Arizona Geography Department; Cloud to Street) highlights that her compiled flood data is useful for financial sectors, such as insurance and municipal bonds. The data shows Asia dominates observations, accounting for 398 of 913 events, including 85 in India and 52 in China. Furthermore, climate change projections for 2030 show Asia, among 57 countries globally, is expected to see significantly increased flood exposure. Tellman asserts her data is more alarming than previous modeling because it systematically captures impactful human events that models often exclude, such as dam breaks (13 events affecting over 13 million people). Although projections to 2100 are highly uncertain, the 2030 predictions are considered a "pretty good bet." This fresh, observed data, which runs contrary to good planning, is expected to be incorporated into the next IPCC report. 1894 PORTLAND

Palantir topped consensus estimates and investors await Advanced Micro Devices after today's close. Chip stocks keep rallying, but breadth is narrowing, a possible sign of caution.Important DisclosuresThis material is intended for general informational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.Past performance is no guarantee of future results.Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.Spotify and the Spotify logo are registered trademarks of Spotify AB.(0130-1125) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Thank you to everyone who tuned into my live video! Join me for my next live video in the app.Show notes and transcript up tomorrow, 11/3.#AutisticAF Out Loud Newsletter is a reader-supported publication. Click to receive new posts… free. To support my work, please consider a paid subscription.Notes, sources, and further readingnot comprehensive or complete, but where I startedInternational Law: Starvation as War CrimeSupporting Sources:* Rome Statute of the International Criminal Court, Article 8(2)(b)(xxv): Case Matrix Network documenting “Intentionally using starvation of civilians as a method of warfare” as war crime casematrixnetwork​* D'Alessandra, Federica and Matthew Gillett. “The war crime of starvation in non-international armed conflict.” Oxford Blavatnik School of Government Working Paper BSG-WP-2019-031 (November 2019) bsg.ox​Counter/Nuance Source:* Lieber Institute West Point. “The War Crime of Starvation – The Irony of Grasping at Low Hanging Fruit” (September 2024): Notes starvation crime requires armed conflict context and specific intent elements; discusses challenges of prosecution lieber.westpoint​SNAP Shutdown & November 2025 Funding CrisisSupporting Sources:* CBS News. “SNAP funding is set to lapse Nov. 1, leaving recipients empty-handed” (October 30, 2025): USDA memo states “the well has run dry” and “At this time, there will be no benefits issued November 01”; 42 million Americans affected cbsnews+1​* NBC News. “Government shutdown effects bear down on millions more people after a crucial Nov. 1 deadline passes” (November 1, 2025): Despite judge's ruling, Trump administration indicated November SNAP payments likely delayed nbcnews​Counter/Nuance Source:* NBC News. “Federal judge orders Trump administration to pay SNAP benefits out of contingency fund” (October 31, 2025): Rhode Island Judge McConnell and Massachusetts Judge Talwani ruled USDA must use $5.25B contingency fund; creates uncertainty about timing rather than total cutoff nbcnews​Government Shutdown Timeline & StatusSupporting Sources:* Wikipedia. “2025 United States federal government shutdown” (updated November 2025): Documents shutdown began 12:01 AM EDT October 1, 2025; became second-longest (22 days) on October 22; resulted from partisan disagreements over spending, foreign aid, and ACA health subsidies wikipedia​* CBS News. “The 2025 U.S government shutdown, by the numbers” (October 30, 2025): Senate has voted 13 times on House-passed continuing resolution; all failed to reach 60-vote threshold needed to overcome filibuster cbsnews​Counter/Nuance Source:* NPR. “The federal government is still shut down. Here's what that means across the country” (October 30, 2025): Notes Republicans blame Democrats for voting against funding 14 times; Democrats counter that GOP refuses to address expiring ACA tax credits affecting 24 million Americans npr​USDA Refusal to Use Emergency FundsSupporting Sources:* Texas Tribune. “The federal shutdown will halt November SNAP benefits” (October 28, 2025): USDA Secretary Brooke Rollins stated October 27 via USDA website that no November 2025 SNAP benefits would be issued; agency memo says “contingency funds are not legally available to cover regular benefits” texastribune​* USA Today. “Government shutdown live updates” (November 2, 2025): Documents that USDA claimed $5.25 billion contingency fund reserved for disasters, not regular benefits; judges ordered use anyway usatoday​Counter/Nuance Source:* Fortune. “Judges order Trump administration to use emergency reserves for SNAP payments during the shutdown” (October 31, 2025): Federal courts rejected USDA legal interpretation; Massachusetts Judge Talwani ruled government “obligated to deploy contingency funds as necessary” fortune​Social Security & Trump WarningsSupporting Sources:* Newsweek. “Social Security, Medicare are ‘going to be gone,' Donald Trump warns” (October 21, 2025): Reports Trump statement during shutdown linking Democratic opposition to potential program loss newsweek​* Duke University Government Relations. “Fall 2025 Government Shutdown Updates” (October 31, 2025): Notes “Social Security ‘could vanish,' Trump warns” among shutdown impacts; documents 31-day shutdown status governmentrelations.duke​Counter/Nuance Source:* American Progress. “The Trump Administration's Plans To Covertly Cut Social Security Disability Benefits” (October 2025): Distinguishes between shutdown rhetoric and separate regulatory changes to tighten disability eligibility criteria americanprogress​Autism Employment & Benefit DependencySupporting Sources:* Autism Society. “Employment Statistics” (October 2025): Reports up to 85% of autistic adults with college degrees unemployed or underemployed; notes 40% lower earnings than peers with other disabilities autismsociety​* Kids Club ABA. “Autism Unemployment Rate” (May 2025): Cites National Autism Indicators Report showing 14-16% full-time employment among autistic adults kidsclubaba​Counter/Nuance Source:* Reddit r/autism. “PSA: The ‘85% autism unemployment rate' isn't accurate” (July 2024): Statistical critique noting figure conflates unemployment, underemployment, and labor force non-participation; argues if 85% of autistic adults were unemployed, they'd represent 94% of all unemployed at 4% national rate reddit​“Useless Eaters” & Eugenic RhetoricSupporting Sources:* Mostert, Mark P. “Useless Eaters: Disability as Genocidal Marker in Nazi Germany.” Documents Binding & Hoche 1920 tract; eugenic progression from efficiency language to T-4 program catholicculture+2​* NIH/PMC. “Confronting the Legacy of Eugenics and Ableism” (December 2023): Shows Industrial Revolution capitalist productivity models reframed disability as state cost pmc.ncbi.nlm.nih​Counter/Nuance Source:* Migration journal. “Reconsidering the history of eugenics and discrimination” (December 2024): Notes eugenic ideas were “deeply intertwined” with race, gender, class and disability—varied significantly across national contexts academic.oup​Boomerang Effect & Internal ColonialismSupporting Sources:* Wikipedia. “Imperial boomerang”: Documents Césaire's “terrific boomerang” thesis from Discourse on Colonialism (1950); Foucault's “Society Must Be Defended” lecture (1976) on colonial tactics returning home wikipedia​* Osun Global Commons. “Césaire's Boomerang Effect on the Streets of Berlin” (March 2023): Analyzes how European bourgeoisie “tolerated Nazism before it was inflicted on them” because it targeted non-Europeans first osunglobalcommons​Counter/Nuance Source:* Reality Studies. “The Department of War on American Cities, Ukraine, Gaza, and the Imperial Boomerang” (September 2025): Cautions against deterministic causation in linking colonial and domestic tactics realitystudies​Britain: Colonial Policing to Domestic ControlSupporting Sources:* Wikipedia. “Aliens Act 1905”: Documents how British emergency powers and crowd-control from Ireland informed domestic legislation wikipedia​* Human Rights Watch. “This Alien Legacy: The Origins of ‘Sodomy' Laws in British Colonialism” (December 2008): Shows British colonial legal mechanisms later echoed in domestic law hrw​Counter/Nuance Source:* Past & Present. “Aliens in a Revolutionary World” (April 2022): Notes British Alien Act 1793 “fell into disuse” post-Napoleonic Wars, complicating narrative of automatic domestic adoption academic.oup​France/Algeria: Torture Techniques to ParisSupporting Sources:* World Socialist Web Site. “Maurice Papon and the October 1961 massacre of Paris” (October 2021): Documents Papon's 1956-58 Algeria torture role, then as Paris police chief applied “same methods” in 1961 massacre wsws​* BBC. “How a massacre of Algerians in Paris was covered up” (October 2021): Confirms Papon supervised “repression and torture” in Algeria 1956; police records show he directed 1961 Paris massacre tactics bbc​Counter/Nuance Source:* LA Review of Books. “How to Forget a Massacre” (October 2019): Emphasizes Papon's individual agency empowered by de Gaulle rather than systemic inevitability; many police refused participation lareviewofbooks​U.S. Philippines to Domestic Militarized PolicingSupporting Sources:* The Diplomat. “How America's Wars in Asia Militarized the Police at Home” (June 2020): Documents Philippine Constabulary (1901) as hybrid military-police; veterans imported counterinsurgency techniques to U.S. law enforcement thediplomat​* Brown University Costs of War. “How the United States' Post-9/11 Wars Helped Militarize U.S. Police” (September 2020): Traces “colonial and anti-Black roots” through Philippines to 1033 program watson.brown​Counter/Nuance Source:* Jacobin. “Policing Empire” (September 2014): Argues policing-empire link involves domestic political contestation each era, not automatic transfer jacobin​Ottoman Empire: Genocides & StarvationSupporting Sources:* USHMM Holocaust Encyclopedia. “The Armenian Genocide (1915-16): In Depth” (August 2023): Documents centralized CUP deportation orders as “death warrant”; forced marches caused starvation, dehydration, exposure deaths encyclopedia.ushmm​* Genocide Education Project. “Brief History” (February 2016): Estimates 1.5M Armenians killed, 2M+ Christians total including Greeks and Assyrians genocideeducation​Counter/Nuance Source:* University of South Florida Genocide Studies. “The Ottoman Genocide of the Assyrians”: Notes genocides were “culmination of series of policies”; emphasizes WWI context and CUP nationalist ideology as distinct causal streams digitalcommons.usf​Black Radical Thought & Internal ColonialismSupporting Sources:* Gilderle hrman Institute. “Both Black and Disabled: Intersectional Experiences” (June 2022): Traces eugenic scientific racism; notes Black disabled Americans as “internal colonies” subject to extraction and surveillance gilderlehrman​* NIH/PMC. “Past Is Prologue: Dismantling Colonial Legacies to Advance Black Health” (December 2023): Argues chattel slavery was “expansive colonial project”; mass incarceration ongoing colonial project pmc.ncbi.nlm.nih​Counter/Nuance Source:* University of Miami. “The Forgotten Activists: Black People in the Disability Rights Movement” (January 2022): Notes disability movement historically “comprised of White people”; cautions against conflating marginalization without attending to specific mechanisms repository.law.miami​Food Insecurity & Violence (Structural Violence Frame)Supporting Sources:* NIH/PMC. “Association of Food Insecurity With Multiple Forms of Interpersonal Violence” (April 2023): 19 of 20 studies show food insecurity associated with increased violence; General Strain Theory supports food insecurity as stressor pmc.ncbi.nlm.nih​* Human Organization. “University Student Food Insecurity as a Form of Structural Violence” (May 2023): Uses structural violence framework for institutional food insecurity harm meridian.allenpress​Counter/Nuance Source:* CSIS. “Dangerously Hungry: The Link between Food Insecurity and Conflict” (April 2023): Notes agricultural abundance can also drive conflict; food-conflict link is “complex” https://open.substack.com/live-stream/74795?utm_source=live-stream-scheduled-upsellcsis​ This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit johnnyprofaneknapp.substack.com/subscribe

Travel season is approaching fast!  Anna & Raven review one of the most important aspects of all – the top travel snacks! Are you up to date on this week's biggest news story? Anna and Raven will get you caught up on what's trending, including why one expert thinks today is the day for aliens to make contact, and also a research monkey jailbreak! If the aliens do land today, or any day, where are the Top 5 places to hide?  Anna & Raven learn some new strategies! It's Candy Autopsy! Anna and her witch voice describe the ingredients of a popular candy, and a lucky contestant has a chance to win a $50 Target Gift Card by guessing correctly! John Kozik from the Salem Witchboard Museum joins Anna & Raven to give them an overview of the history of the Ouija Board! All Raven wants for Halloween is more kids coming to his house for candy!  Anna tries to help him develop a plan for a bigger bash! Estimates say 4% - 8% of all people have had a near-death experience!  Anna & Raven hear incredible stories, from funny to breathtaking! Couples Court - Amber and Damian's 17-year-old daughter is begging them to have a Halloween party on Friday night in their backyard. She promises that everyone will stay outside and will leave by midnight. Mom is for it and thinks it'll be fine. What's the difference if 50 kids hang out in their yard with a fire pit and some chips and soda? Dad says no way. They're 17-year-olds, they're going to drink, it's Halloween night and bad stuff will happen. She can have four friends inside the house, no party. He mentions that they also won't be home until late because they have plans already.  Whose side are you on?  Listen to both sides, and you be the judge! TJ has a shot at $2200!  All he has to do is take down Raven in pop culture in Can't Beat Raven!

A visitor from far beyond the solar system is getting better acquainted with the Sun this week. Tomorrow, it’ll make its closest approach to the Sun – just 126 million miles. After that, it’ll head back toward interstellar space. The visitor is 3I/ATLAS. It was discovered on July 1st by an automated telescope that looks for comets and asteroids. Calculations of its orbit quickly showed that it came from outside the solar system. That makes it the third known visitor from interstellar space. It originated in the galaxy’s “thick disk.” That’s a region that sandwiches our part of the disk. It contains stars that are far older than the Sun. Estimates say 3I/ATLAS could be three billion years older than the solar system, so it could preserve a chemical record of an earlier era in galactic history. 3I/ATLAS is a comet – a ball of rock and frozen gases a few miles in diameter. As it’s closed in on the Sun, some of its gas has vaporized, releasing bits of dust as well. Observations will reveal the composition of this material, telling astronomers about conditions in the region where it formed. Unfortunately, astronomers can’t see 3I/ATLAS at all right now – it’s hidden in the Sun’s glare. It’ll return to view in December – but only when viewed through a telescope. It’ll pass closest to Earth on December 19th – almost 170 million miles away. Script by Damond Benningfield

When the going gets tough—and the battles don't end as quickly as we hoped—it's easy to grow weary and discouraged. That's where Israel found themselves in Joshua 11. Victory didn't come in a single day or even a single campaign. It took years of relentless struggle.After conquering the land in central and southern Canaan, Joshua turned his focus to the north. There, he was confronted by a huge coalition army. Not only was Joshua outnumbered 7-to-1, but for the first time in battle, he faced horses and chariots—terrifying and effective war machines of the Bronze Age.Yet despite the odds, Joshua and his army ultimately triumphed. It didn't happen easily, and it didn't happen quickly. Estimates are that the Northern Campaign took more than seven years – seven painful, bloody years.Here's what we need to understand.  There is no record in chapter 11 of any sort of dramatic supernatural intervention. No rivers that parted…no walls that fell down…no hail from the sky…and no sun standing still.  For seven long years, God's people had to fight day after day after day.And that's something we need to grasp in our day.Sometimes God demonstrates that He is with us by moving in dramatic ways, which result in a quick victory. Other times, God demonstrates that He is with us by enabling us to doggedly fight on over the long haul.What can we learn from Joshua that can help us keep going when the going gets tough? 1.     Joshua demonstrated an unwavering trust in God. Joshua trusted that the God who had promised him ultimate victory would eventually take him there—even though there was pain and struggle along the way. Courageous faith soldiers on.  2.     Joshua demonstrated an uncompromising obedience to God. When the going gets tough, it's easy to begin cutting corners. A bit of compromise here or there. But Joshua recognized that the end does not justify the means. Obeying, even when it was difficult or didn't make sense, was the key to success.3.     Joshua demonstrated an unfaltering perseverance with God. When the going gets tough, it's no easy thing to keep on fighting day after day after day. Yet, during those long years of struggle and battle, Joshua never gave in…he never gave out…he never gave up.  And in the end, he realized victory. Text: Joshua 11 Originally recorded on October 30, 2016, at Fellowship Missionary Church, Fort Wayne, IN

Netflix, with earnings that often set the tone, fell sharply after bottom-line growth fell short due to a one-time issue. Tesla rolls out of the garage after today's close.Important DisclosuresThis material is intended for general informational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.Past performance is no guarantee of future results.Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.Spotify and the Spotify logo are registered trademarks of Spotify AB.(0131-1025) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Brett Feldman from AT&T (T) reflects on the latest quarter on Next Gen investing. He highlights strong customer growth year over year and above Street estimates. “Our success was not limited to our mobility business,” he adds, turning to better-than-expected broadband customers. He notes that they don't lead in market share despite making the most investments in their business, and that creates a “huge opportunity” to grow. “We are a pure execution story.”======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – / schwabnetwork Follow us on Facebook – / schwabnetwork Follow us on LinkedIn - / schwab-network About Schwab Network - https://schwabnetwork.com/about

AP correspondent Charles de Ledesma reports rebuilding Syria after over a decade of civil war is expected to cost about $216 billion, the World Bank estimates.

Connor and Ace give you the recap of the previous week in K-State sports, including a top recruiting class in the nation and new TV schedule announcements

This week Sam discusses the Michelin Guide's announcement that they will be launching a global wine-ranking system, a new grape variety authorised for champagne, a new Vino de Pago for Spain, New Zealand's wine exports, France's new yield estimate and new research on how bacterial injections can help fight esca, a grapevine trunk disease. You can read the transcript of this newscast (with linked news sources) at https://www.jancisrobinson.com/articles/michelin-takes-wine-frances-yield-estimates-fall-ukrainian-wine-stolen-london.

“Dark money” — meaning funds whose sources are hidden or obscured — has become deeply embedded in the U.S. real estate market through opaque ownership structures and all-cash deals that evade public scrutiny. Wealthy buyers, including foreign investors, often purchase property via shell companies, trusts, or limited liability corporations (LLCs), effectively masking the identity of the ultimate beneficial owners. In major markets like New York, Miami, and Boston, a significant share of real estate is owned via corporate entities, making it difficult for regulators and the public to trace who is behind high-value deals.Because many high-value and all-cash transactions bypass traditional banking and lending scrutiny, they provide an ideal channel for laundering illicit funds or moving capital anonymously. Estimates suggest that as much as 20–30 percent of U.S. residential real estate purchases are made without financing, making them harder to monitor.   Until recently, real estate professionals had little obligation to report beneficial ownership or cash-based transactions, but new rules from the Treasury's FinCEN will mandate reporting for residential all-cash sales involving entities or trusts beginning December 2025—an attempt to pull back the curtain on dark money in the housing market.to contact me:bobbycapucci@protonmail.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.

Our U.S. Thematic and Equity Strategist Michelle Weaver discusses how the largest intergenerational wealth transfer in history could reshape saving, spending and investment behavior across America.Read more insights from Morgan Stanley.----- Transcript ----- Michelle Weaver: Welcome to Thoughts on the Market. I'm Michelle Weaver, Morgan Stanley's U.S. Thematic and Equity Strategist.Today, a powerful force reshaping the financial lives of millions of Americans: inheritance.It's Friday, October 10th at 10am in New York.Americans are living longer and they're passing on their wealth later. Longevity is one of Morgan Stanley Research's four key themes, and this is an interesting element of longevity. As baby boomers age, they're expected to transfer their wealth to Gen X, millennials and Gen Z to the tune of tens or even hundreds of trillions of U.S. dollars.Estimates vary widely, but the amounts are unprecedented. And so, inheritance isn't just a family milestone; it's becoming an important cornerstone of financial planning and longevity. And understanding who's receiving, expecting, and using their inheritances is key to forecasting how Americans save, spend, and invest.According to our latest AlphaWise survey, 17 percent of U.S. consumers have received an inheritance, and another 14 percent expect to receive one in the future. Younger Americans are especially optimistic. Their expectations split evenly between those anticipating an inheritance within the next 10 years and those expecting it further out.But here's the kicker; income plays a huge role. Only 17 percent of lower income consumers report receiving or expecting an inheritance, but that number jumps to 43 percent among higher income households highlighting a clear wealth divide.What about the size of the inheritance? In our survey, those who received or expect to receive an inheritance fall broadly into three categories. About half reported amounts under $100,000 dollars. For about a third, that amount rose to under $500,000. And then meanwhile, 10 per cent reported an inheritance of half a million dollars or more.Younger consumers tend to report smaller amounts, while inheritance size rises with income. One important thing to remember about our survey though, is it looks more at the average person. We are missing some of those very high net worth demographics in there where I would expect inheritance to rise much higher than half a million.And so, when we think about this, how will recipients use this wealth? That's a really important question. The majority, about 60 percent, say they have or will put their inheritance towards savings, retirement, or investments. About a third say they'll use it for housing or paying down debt. Day-to-day consumption, travel, education and even starting a business or giving to charity also featured in the survey responses – but to a lesser extent.The financial impact of inheritance is significant: 46 percent of recipients say it makes them feel more financially secure; 40 percent cite improvements in savings; and 22 percent associate it with increased spending. Some even report retiring earlier or lightening their workloads.Inheritance trends are shaping consumer behavior and have the power to influence spending patterns across industries. To sum it up, inheritance isn't just a family matter, it's a market mover.Thanks for listening. If you enjoy the show, please leave us a review wherever you listen, and share Thoughts on the Market with a friend or colleague today.

Joe's Premium Subscription: https://standardgrain.com/Apple Podcasts https://podcasts.apple.com/us/podcast/grain-markets-and-other-stuff/id1494161095Spotify https://open.spotify.com/show/4NJ9AZcSQBrLXFLCcPrGGGFutures and options trading involves risk of loss and is not suitable for everyone.

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger Picture The EU is feeling the pressure, without the US the EU economy is nothing, same goes with most of the countries around the world. Trump is reversing the [CB] trade policies. The Fed is panicking, Trump is going after the Fed and they are trying to stop him, so they ruled on his parallel system, this will fail. Trump and the patriots are putting everything place to make sure the [DS] cannot cheat the midterms. Trump is doing everything he can without congress passing laws. The pieces are coming together and it will be difficult for the [DS] to cheat. This has to be done to take back full control. The [DS] is building the narrative to counter this by pushing the idea that Russia is responsible for immigration and cyber attacks in the EU. Playbook known.   Economy Eurozone's Economic Outlook Worsens Amid U.S. Tariffs, Domestic Pressures the Eurozone's economic outlook has indeed deteriorated, driven by a combination of external pressures from U.S. tariffs and internal domestic issues. Recent data from the European Commission shows a decline in economic sentiment, signaling broader pessimism among businesses and consumers.   The tariffs target key EU exports, leading to reduced demand and higher costs.Key quantitative impacts from analyses include:  Estimates vary by scenario, but a baseline tariff increase could reduce EU GDP by 0.2% to 0.8%. For instance, in a symmetric tariff war, GDP might fall by 0.8-1.2%, with Germany facing a 0.4% contraction.   The EU's trade surplus with the U.S. is shrinking amid surging imports, exacerbated by trade diversion from China (e.g., a 12% year-on-year increase in Chinese exports to the EU as of May 2025).   The automotive industry faces double-digit hits to earnings, with potential 53% drops in export demand for machinery and equipment under a 10% tariff hike. Pharmaceuticals and chemicals are also at risk, though some exemptions apply. Sector 2023/2024 EU Exports to U.S. (EUR billion) Potential Impact from Tariffs Machinery & Equipment 157.7 High vulnerability; 53% export demand drop per 10% tariff Automotive Not specified (major exposure) Double-digit EBIT declines for key firms Pharmaceuticals 54.6 Exempt currently, but risk if targeted Chemicals & Metals Significant (part of broader exposure) Asset quality deterioration in banking Employment effects are notable, with 8,000-10,000 job losses estimated per EUR 1 billion reduction in exports, potentially raising unemployment by 0.1% in hard-hit countries like Germany and Ireland. Source: wsj.com Trump Canceling $679M in Federal Funding for Offshore Wind Projects The Trump administration said on Friday it was canceling $679 million in federal funding for 12 offshore wind projects, including $427 million for a California project. U.S. Transportation Secretary Sean Duffy announced that the department was canceling or terminating awards made under the administration of former President Joe Biden. Source: newsmax.com (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); https://twitter.