Podcasts about Exchange

In this comprehensive discussion, Sam Lichtenstein from RANE (Risk Assistance Network & Exchange) joins Chris to dissect their annual geopolitical and security forecast. Sam provides insights into the geopolitical landscape for 2026, highlighting the challenges of predicting human behavior, the rise of violent conflicts, and the implications of AI and cybersecurity threats. They cover regional dynamics in Sub-Saharan Africa, the Middle East, Asia-Pacific, Europe, and the Americas, emphasizing the interconnectedness of these issues and the potential for political violence in the US. Sam also discusses the breakdown of the unipolar order and its impact on global security.Subscribe and share to stay ahead in the world of intelligence, global issues, and current affairs.Read RANE's 2026 Annual Forecast: https://worldview.stratfor.com/article/2026-annual-forecastSupport Secrets and SpiesBecome a “Friend of the Podcast” on Patreon for £3/$4: https://www.patreon.com/SecretsAndSpiesBuy merchandise from our shop: https://www.redbubble.com/shop/ap/60934996Buy us a coffee: https://buymeacoffee.com/secretsandspiesSubscribe to our YouTube page: https://www.youtube.com/channel/UCDVB23lrHr3KFeXq4VU36dgFor more information about the podcast, check out our website: https://secretsandspiespodcast.comConnect with us on social mediaBluesky: https://bsky.app/profile/secretsandspies.bsky.socialInstagram: https://instagram.com/secretsandspiesFacebook: https://facebook.com/secretsandspiesSpoutible: https://spoutible.com/SecretsAndSpiesFollow Chris and Matt on Bluesky:https://bsky.app/profile/chriscarrfilm.bsky.socialhttps://bsky.app/profile/mattfulton.netSecrets and Spies is produced by F & P LTD.Music by Andrew R. BirdPhoto by Harun Ozalp/GettySecrets and Spies sits at the intersection of intelligence, covert action, real-world espionage, and broader geopolitics in a way that is digestible but serious. Hosted by filmmaker Chris Carr and writer Matt Fulton, each episode examines the very topics that real intelligence officers and analysts consider on a daily basis through the lens of global events and geopolitics, featuring expert insights from former spies, authors, and journalists.

#683: Candy now — or a toy later? You slide play money across the table and let your kid choose. That moment kicks off this episode, where Dr. Stephen Day joins us to talk about building a “mini economy” at home.  Dr. Day is the director of the Center for Economic Education at Virginia Commonwealth University. He also holds a PhD in social studies and economics curriculum and instruction. His work looks at how kids form money habits long before they deal with real paychecks, budgets, or credit cards. We break down how a mini economy actually works. Kids have job titles tied to age-appropriate chores. They earn play money. They spend it at a small household store set up on the kitchen table. The store might sell candy, small toys, or privileges like extra screen time. Parents set the prices. Kids decide whether to spend right away or save for something bigger. You hear how this plays out inside Day's own house. A three-year-old takes on the role of “zookeeper,” feeding the cat and picking up stuffed animals. A seven-year-old creates a weekly plan that alternates spending and saving, using patterns she learns at school. A five-year-old chooses to donate part of his earnings instead of spending anything. The system stays the same. The choices vary by kid. The conversation moves through childhood stage by stage. Early years center on routine, structure, and basic trade-offs. Elementary school becomes the key period for practice, when habits and norms take shape. Middle and high school bring longer planning timelines, more independence, and deeper conversations about work, contribution, and goals. We also dig into questions parents ask all the time. Should kids get paid for chores, or should chores come with living in the house? Day explains how families can separate family work, paid jobs, and service work so kids understand why they are doing each task. Clear categories help avoid confusion about motivation and responsibility. Busy schedules come up, too. Sports practices, travel, school events, and late workdays often knock chore systems off track. Day explains how vague expectations create conflict and why job titles and defined duties bring structure even during chaotic weeks. Throughout the episode, the focus stays on practice, not lectures. Kids do not learn money by hearing explanations. They learn by earning, choosing, saving, spending, and living with trade-offs — all inside a system small enough to fit on a kitchen table. Resource: EconEdLink, a CEE program https://econedlink.org Timestamps: Note: Timestamps will vary on individual listening devices based on dynamic advertising run times. The provided timestamps are approximate and may be several minutes off due to changing ad lengths. (00:00) Intro (02:00) Teaching kids money (03:59) Mini economy basics (06:20) Money skills by stages (10:41) Starting at age three (12:02) Cat job example (16:08) Goods versus privileges (17:27) Bugging versus choices (18:11) Paying for chores (20:22) Family job service (24:56) Busy weeks and chores (33:21) Low-consumption kid example (39:17) Shared jobs and teamwork (43:34) Exchange rate to dollars (1:00:28) Investing, 529, compound interest Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today's guest is Richard Bernstein, Chief Investment Officer of Richard Bernstein Advisors, which he founded in 2009. He was previously the Chief Investment Strategist at Merrill Lynch. In today's episode, Richard argues that the market is defined by rampant speculation and extreme narrowness. He explains why he's bullish on both dividend-paying and international stocks and believes crypto is the first global investment bubble. To close, he warns that corporate credit is priced for perfection, inflation risks aren't gone, and diversification is the best defense in a bubble-prone market. (0:00) Starts (1:20) Richard on market narrowness & speculation (6:21) The Earnings Expectations Life Cycle (12:33) Non-US stocks are undervalued (18:38) Small cap trends and long-term investment themes (24:14) American Industrialization Renaissance (27:10) Corporate credit risk (33:42) Is the Fed independent? (36:38) Is crypto the first global investment bubble? (41:11) The importance of financial history (46:07) Richard's most memorable investment ----- Follow Meb on X, LinkedIn and YouTube For detailed show notes, click here To learn more about our funds and follow us, subscribe to our mailing list or visit us at cambriainvestments.com ----- Sponsor: Join Alpha Architect's LIVE webinar Feb 3rd to learn if a 351 Exchange may fit your clients' needs.  Before the webinar, visit Alpha Architect's 351 Education Center for use cases, tools, FAQs, upcoming launches, and more. ----- Follow The Idea Farm: X | LinkedIn | Instagram | TikTok Interested in sponsoring the show? Email us at Feedback@TheMebFaberShow.com ----- Past guests include Ed Thorp, Richard Thaler, Jeremy Grantham, Joel Greenblatt, Campbell Harvey, Ivy Zelman, Kathryn Kaminski, Jason Calacanis, Whitney Baker, Aswath Damodaran, Howard Marks, Tom Barton, and many more.  ----- Meb's invested in some awesome startups that have passed along discounts to our listeners. Check them out here!  -----Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com). Learn more about your ad choices. Visit megaphone.fm/adchoices

WMAL GUEST: REP. SCOTT FITZGERALD (R-WI) on his exchange with former Special Counsel Jack Smith regarding his selection process and ties to Biden DOJ officials SOCIAL MEDIA: @RepFitzgerald WEBSITE: Fitzgerald.House.gov Where to find more about WMAL's morning show: Follow Podcasts on Apple Podcasts, Audible and Spotify Follow WMAL's "O'Connor and Company" on X: @WMALDC, @LarryOConnor, @JGunlock, @PatricePinkfile, and @HeatherHunterDC Facebook: WMALDC and Larry O'Connor Instagram: WMALDC Website: WMAL.com/OConnor-Company Episode: Friday, January 23, 2026 / 8 AM HourSee omnystudio.com/listener for privacy information.

“Worldwide Exchange” delivers essential, actionable information and analysis for anyone who wants to be part of the global business conversation. CNBC Anchor Frank Holland takes listeners through top business stories with global significance. Features conversations with key leaders, analysis of business and investor trends, and impact across international markets. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

There are over 200,000 toxic chemicals in the environment in the United States. While the health risks for many of these chemicals are unknown, the research shows that they are hormone disruptors, carcinogens, and pro-inflammatory that cause over 200 known diseases. Imagine if you could remove years of accumulated toxins from your body in just a few hours. In this episode, we explore how plasma exchange is emerging as a powerful tool of removing all these toxins to restore vitality, slow aging, and enhance wellness. Joining us is Dr. Paul Savage of MDLifespan, whose PlasmaXchange™ protocol is helping people take a proactive step toward a cleaner, more resilient body and mind.   Key Takeaways To Tune In For: (02:28) – Dr. Savage's Journey to Plasma Exchange (12:25) – The Toxins and Disease Connection (23:00) – Patient Profiles and Post-Treatment Healing (28:42) – Physiological Changes and Detox Pathways (33:05) – Long-Term Results and Avoidance Therapy (45:00) – Post-Procedure Changes and Patient Experience   Resources talked about in this episode: Website:  www.mdlifespan.com    Social media handles: @mdlifespan.com

Show NotesSummaryIn this episode, Ms. G delves into the pervasive issue of worry, a common experience that many people face but often hesitate to discuss. She emphasizes that while it's natural to worry, it ultimately serves no productive purpose and can detract from our peace and trust in God. Drawing from biblical references, she highlights the distinction between worry and wisdom, urging listeners to recognize that worrying does not solve problems but rather keeps us stuck in anxiety about the future. Ms. G encourages a shift from worry to trust, emphasizing that trusting God is an active choice that requires daily commitment and prayer.Ms. G further explores the idea that worry can signal a lack of faith or an attempt to control outcomes that are beyond our grasp. She invites listeners to reflect on what they are worrying about and to surrender those burdens to God. By replacing worry with prayer and gratitude, individuals can find peace and clarity. The episode concludes with a powerful reminder that while challenges are inevitable, God promises to be with us through them, and trusting Him is the key to experiencing true peace.TakeawaysWorry is a waste; it doesn't solve problems.Trusting God is an active choice, not passive.Worry keeps us stuck in the future, missing today's grace.Replace worry with prayer and gratitude.What are you worrying about that God is asking you to surrender?Worry vs. Wisdom: Choosing Trust Over AnxietySurrendering Worry: Finding Peace in Trusting God"Worrying has never solved a single problem.""Exchange worry for prayer, anxiety for Thanksgiving.""Worry is a burden we were never designed to carry."Keywords: worry, trust, faith, wisdom, prayer, anxiety, God, peace, Christian living, surrenderSound Bites Chapters 00:00 Introduction to Worry01:57 Worry vs. Wisdom05:47 The Impact of Worry on Trust06:46 Choosing Trust Over Panic09:38 Surrendering Worry to God

The Great Turning Point: Authority, Judgment, and the Return of the King In this episode of Into the Glory Zone, Dr. Edith Davis explores the profound spiritual shift currently taking place within the Body of Christ. Drawing from the revelations shared by Apostle Bill Winston, Dr. Davis tackles the difficult reality of God's judgment and the "reckoning" that has begun within the Church. She provides a comprehensive timeline of Christ's victory—from the cross to the 1,000-year reign—reminding believers that we have been delegated the same power Jesus operated in to destroy the works of the enemy. This is more than a teaching; it is a mandate to stop being "driven" by the enemy and start being "guided" by the Spirit to subdue the earth. -- The Turning Point: Why the Church is currently at a major junction and must prepare for a reckoning that begins in the house of God. -- The Exchange of Authority: How the "Second Adam" stripped Satan of his power and returned the keys of authority to the Church. -- The Timeline of Eternity: A deep dive into the Rapture, the two witnesses, the Battle of Armageddon, and the binding of Satan. -- The Millennial Reign: Understanding the 1,000 years of peace on earth where Christ shows us how life was meant to be lived from the beginning. -- Our Present Responsibility: Why God holds the Church—not the world—accountable for the state of the planet and our call to heal the sick and raise the dead. -- Choice vs. Deception: Recognizing the difference between the Holy Spirit's conviction and the enemy's drive and condemnation. Scriptures for Further Study -- 1 Peter 4:17 -- Genesis 1:28 -- Revelation 20:1-15 -- Matthew 10:8 -- Psalm 105:15 This is episode 390. +++++++ Check out my new website: https://www.enterthegloryzone.org/ MY AUDIO BOOK IS NOW AVAILABLE FOR PURCHASE You can Divorce Proof Your Marriage by understanding the Secret Keys of Love. You will come to understand that your Marriage has an enemy. You will come to understand that you are dating your future spouse representative. You will come to understand that your Marriage has the gift of Supernatural Sex. For more information about purchasing this audio book, click here: https://personalbuy.com/shopsite_sc/store/html/product8702.html

“Worldwide Exchange” delivers essential, actionable information and analysis for anyone who wants to be part of the global business conversation. CNBC Anchor Frank Holland takes listeners through top business stories with global significance. Features conversations with key leaders, analysis of business and investor trends, and impact across international markets. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Any donation is greatly appreciated! 47e6GvjL4in5Zy5vVHMb9PQtGXQAcFvWSCQn2fuwDYZoZRk3oFjefr51WBNDGG9EjF1YDavg7pwGDFSAVWC5K42CBcLLv5U OR DONATE HERE: https://www.monerotalk.live/donate TODAY'S SHOW: This episode of Monero Talk features Reuben Yap discussing the growth and direction of Firo as a privacy-focused cryptocurrency, alongside broader developments in the privacy ecosystem such as AnonBazaar. Reuben explains Firo's evolution, including its approach to privacy technology, decentralization, and usability, while addressing the challenges of maintaining strong privacy guarantees in a changing regulatory and technical landscape. The conversation also touches on real-world use cases, adoption hurdles, and the importance of building privacy-preserving marketplaces and tools that go beyond speculation. The episode offers a look at how projects like Firo and AnonBazaar make financial privacy more practical and censorship resistant. TIMESTAMPS: (00:02:00) Guest introduction (Ruben) (00:05:30) Monero's role among privacy coins (00:12:00) Exchange delistings & decentralization implications (00:18:30) Mining incentives, proof-of-work, and miner behavior (00:27:00) Privacy coins vs Zcash & design tradeoffs (00:34:30) Wallets, swaps, and cross-chain usability (00:42:00) XMR Bazaar / Monero-based marketplaces (00:50:30) Real-world Monero usage stories (00:58:30) Community growth & grassroots adoption (01:05:30) Future of privacy coins & ecosystem outlook (01:12:30) Conferences, Mineratopia & community events (01:18:30) Final thoughts from guest (01:34:10) Outro, support links, and closing message GUEST LINKS: https://x.com/reubenyap Purchase Cafe & tip the farmers w/ XMR! https://gratuitas.org/ SPONSORS: Cakewallet.com, the first open-source Monero wallet for iOS. You can even exchange between XMR, BTC, LTC & more in the app! Monero.com by Cake Wallet - ONLY Monero wallet (https://monero.com/) StealthEX, an instant exchange. Go to (https://stealthex.io) to instantly exchange between Monero and 450 plus assets, w/o having to create an account or register & with no limits. WEBSITE: https://www.monerotopia.com CONTACT: monerotalk@protonmail.com ODYSEE: https://odysee.com/@MoneroTalk:8 TWITTER: https://twitter.com/monerotalk FACEBOOK: https://www.facebook.com/MoneroTalk HOST: https://twitter.com/douglastuman INSTAGRAM: https://www.instagram.com/monerotalk TELEGRAM: https://t.me/monerotopia MATRIX: https://matrix.to/#/%23monerotopia%3Amonero.social MASTODON: @Monerotalk@mastodon.social MONERO.TOWN: https://monero.town/u/monerotalkAny donation is greatly appreciated!Any donation is greatly appreciated!

Our 76th episode brings you our 2025 Marvel best of list with returning guest Hollywood Paul Lewis! We also discuss Kathleen Kennedy leaving the Star Wars universe, super hero hair highlights, and new accusations of a famous artist using AI. All this and more on your friendly neighborhood podcast!

Welcome back and happy 2026! We're starting the new year off with some introductions. Two new agents have joined the commercial team since we last got together, so let's get to know them a bit.  Brad Fowler and Daniel Lyon join me to tell a little about themselves and how they ended up with Clemson Extension. Tune in to meet your newest agents!

“Worldwide Exchange” delivers essential, actionable information and analysis for anyone who wants to be part of the global business conversation. CNBC Anchor Frank Holland takes listeners through top business stories with global significance. Features conversations with key leaders, analysis of business and investor trends, and impact across international markets. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

What if your greatest power isn't something you need to chase—but something already within you, quietly waiting to be claimed? This week on Love University, we delve into the concept of your Reservoir of Invincibility—the deep, untapped core of strength inside you. It's the mental and emotional wellspring that holds your most powerful states of being: peace, confidence, resilience, clarity, compassion, and purpose. When life overwhelms you, this internal reservoir is where you go to reset, refocus, and re-emerge stronger than ever before. But to access it, you need to learn how to think, feel, and act from a place of intentional mental mastery. Here are three life-changing ways to unlock your inner power: Build Relentless Confidence—True Inner Knowing Relentless Confidence is the engine of your Reservoir of Invincibility. It's not about inflated ego or blind positivity—it's about an unshakable knowing that you can handle what life brings. It starts with where you put your attention. Do you constantly rehearse your flaws, failures, and fears? Or do you actively remind yourself of your talents, past wins, and inner resources? Relentless Confidence means choosing to believe that more is working for you than against you. When you face challenges, you don't collapse under the weight of fear—you lean into your strength, calmly and clearly. You stop inflating problems and start expanding your perspective. The more you train your mind to focus on what is working, instead of what is not, the more you reclaim authority over your inner world—and the more you realize that you're bigger than whatever obstacles stand in your way.   Become a “How Thinker”—Because Solutions Require Direction, Not Doubt Your inner power reveals itself in the way you respond to setbacks. Most people spiral into “if” thinking: If only I hadn't failed... If I were more disciplined... If I were younger, smarter, luckier, more attractive... But “if” thinking leads to paralysis. It drains your emotional fuel and feeds helplessness. In contrast, “How Thinkers” immediately shift their mental lens to How can I come back stronger? How can I learn from this moment? How can I turn this situation into a moment of transformation? That single shift from if to how changes the emotional chemistry of your mind—rewiring your default response from reaction to strategy. “How Thinkers” don't deny pain; they use it. They turn breakdowns into breakthroughs because they refuse to stay in passive mode. They live in motion, not hesitation. And that motion activates the very strength they thought they had lost. Discard the Mental Junk—So Your Power Has Room to Flow No matter how gifted you are, your inner reservoir can't serve you if it's clogged. That clutter—old regrets, guilt, resentment, fear—acts like emotional debris that blocks your access to clarity and peace. The good news? You don't need to fix everything overnight. You just need to start making trades. Exchange peace over anger. Discipline for impulse. Truth for denial. Focus for scattered anxiety. When you do this, you're not giving up anything of value—you're letting go of the thoughts and habits that have kept you small. You begin to clear space for your true identity to rise—a grounded, sustainable state of being. Every time you release a self-defeating thought, you expand the reach of your Invincible Mind. Every time you choose a higher emotional state, you draw deeper from the reservoir of love, success, and happiness that's been waiting for you all along.   Listen to the full episode now on Love University and learn how to build a mind that doesn't collapse under pressure, but expands in power and joy. Also, make sure you pick up a copy of Invincible You on Amazon at https://tinyurl.com/3y3szh27.  

Before fully diving into 2026, the Krewe takes a minute (or 64) to reflect on Japan in 2025, recapping & remembering the good, the bad & the wacky. From the top news stories of 2025 to the year's biggest pop culture stand outs, this episode covers it all!------ About the Krewe ------The Krewe of Japan Podcast is a weekly episodic podcast sponsored by the Japan Society of New Orleans. Check them out every Friday afternoon around noon CST on Apple, Google, Spotify, Amazon, Stitcher, or wherever you get your podcasts.  Want to share your experiences with the Krewe? Or perhaps you have ideas for episodes, feedback, comments, or questions? Let the Krewe know by e-mail at kreweofjapanpodcast@gmail.com or on social media (Twitter: @kreweofjapan, Instagram: @kreweofjapanpodcast, Facebook: Krewe of Japan Podcast Page, TikTok: @kreweofjapanpodcast, LinkedIn: Krewe of Japan LinkedIn Page, Blue Sky Social: @kreweofjapan.bsky.social, Threads: @kreweofjapanpodcast & the Krewe of Japan Youtube Channel). Until next time, enjoy!------ Support the Krewe! Offer Links for Affiliates ------Use the referral links below & our promo code from the episode!Support your favorite NFL Team AND podcast! Shop NFLShop to gear up for football season!Zencastr Offer Link - Use my special link to save 30% off your 1st month of any Zencastr paid plan! Get your very own JAPAN BEAR SHELTER------ Past KOJ Episodes Referenced ------Crash Course in Japanese Politics ft. Tobias Harris of Japan Foresight (S6E13)Social Media & Perceptions of Japan (S6E8)Japanese Soccer on the World Stage ft. Dan Orlowitz (S6E5)Meet the J.League ft. Dan Orlowitz (S6E4)Expo 2025: Japan on the World Stage ft. Sachiko Yoshimura (S6E2)Checking Out Miyagi ft. Ryotaro Sakurai (Guest Host, William Woods) (S5E5)Thoughts on Godzilla Minus One ft. Dr. William (Bill) Tsutsui (S4Bonus)Visiting Themed Cafes in Japan ft. Chris Nilghe of TDR Explorer (S4E15)The Life of a Sumotori ft. 3-Time Grand Champion Konishiki Yasokichi (S4E10)Japan 2021: A Year in Review (S2E13)Japanese Theme Parks ft. TDR Explorer (S2E4)Greatest Anime of All-Time pt. 3: Modern Day Anime (2010-Present) (S1E18)Talking Sumo ft. Andrew Freud (S1E8)------ JSNO Upcoming Events ------JSNO Event CalendarJoin JSNO Today!

In this raw, unedited conversation, Stephen Young shares what it was like growing up around conflict, carrying emotional wounds in silence, and learning how to survive without ever being shown how to heal.We explore how childhood trauma doesn't disappear with time — it quietly shapes your identity, emotional reactions, self-worth, and relationships, often running your life beneath the surface without your awareness.This episode is for anyone who feels stuck in repeating patterns, struggles with emotional triggers they can't explain, or senses that unresolved childhood experiences are still influencing their present.

Have questions, feedback, or thoughts on the show? We want to hear from you! Click on this link to send us a text message. GEAPS Exchange 2026: What to Expect — and How to Get the Most ValueEvery year, there's one time when the global grain community gathers in one place to learn, connect, and solve real-world challenges together. In this special episode, Jim Lenz is joined by Bob Horvat, current GEAPS Board President, to spotlight GEAPS Exchange 2026—the premier event in the grain and grain processing industries.Bob shares why Exchange exists, why it still matters, and how both first-time and returning attendees can get maximum value—from education and Innovation Stations to the Expo Hall, special events, and the relationships that continue long after the show ends.With 319,950 square feet of Expo Hall, 400+ exhibitors, Innovation Stations, and 45+ hours of education across five tracks (Processing, Maintenance, Grain Operations, Safety, and Employee Development/Leadership), Exchange is designed to bring practical learning and problem-solving to every role in the industry.In this episode, you'll learn:Why GEAPS Exchange exists—and how it supports the GEAPS mission to champion, connect, and serve the global grain industryThe value of Exchange for operations, maintenance, safety, processing, and leadership rolesWhat “real-world education” looks like at Exchange (sessions, demonstrations, and interactive learning)How to approach the Expo Hall like a pro—especially with 400+ exhibitorsThe community-building events that make Exchange feel like your extended grain industry familyWho should attend (hint: everyone) and how to plan for maximum return on time and investmentKey event details, pricing context, and practical tips to attend with your teamHighlights discussedEducation formats: classroom sessions, Innovation Stations demos, and interactive learning (including safety-focused experiences)Five education tracks: Processing, Maintenance, Grain Operations, Safety, Employee Development (Leadership)Networking & special events: First-Timer/International events, Get Acquainted Party, Welcome Reception, Fun Run/Walk, Cornhole Tournament, Grain Merchandisers Networking Event, and Music BingoWhy Exchange energizes people and sends them home with:renewed enthusiasm,new ideas,knowledge to apply, andnew connections—people to call when you need helpKey details to rememberGEAPS Exchange 2026 WebsiteFebruary 21–24, 2026Kansas City Convention Center400+ exhibitors45+ hours of educationInnovation Stations and live demonstrationsOne of the biggest values of Exchange: the people you meet—and the problems you solve togetherGrain Elevator and Processing Society champions, connects and serves the global grain industry and its members. Be sure to visit GEAPS' website to learn how you can grow your network, support your personal professional development, and advance your career. Thank you for listening to another episode of GEAPS' Whole Grain podcast.

with Damion Chaplin. Monday at 9:30pm ET

Keith Weinhold breaks down how recent presidential housing policies could influence real estate investors and everyday homebuyers.  Then he walks through four different ways to eventually exit your investment properties—including a little-known strategy most investors have never heard of—so you can start thinking about how you'll one day harvest your gains, potentially with minimal or no taxes, while still preserving your wealth and flexibility. Episode Page: GetRichEducation.com/589 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Keith, welcome to GRE. I'm your host. Keith Weinhold, the presidential administration has made some weighty decisions that could affect the real estate market for years. Then when it's time for you to sell your investment property, there are some smart ways to do it and some big mistakes to avoid. We're talking about four options for your real estate exit strategy, including the little discussed 721 exchange today on get rich education.   Keith Weinhold  0:32   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Russell Gray  1:18   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:28   Welcome to GRE you're inside one of America's longest running and most listened to shows on real estate investing. This is Get Rich Education. I'm your host. Keith Weinhold, if you're working for the weekend, then you had better examine your Monday to Friday and start investing for leverage in income that's generated today. The good news is that down the road, when it comes time for you to sell your investment property, hopefully, after decades of handsome profits, even if that is years away, there are a lot of good options for you, including multiple ones that are tax deferred and effectively tax free. I'll discuss that later today, what we know, and what history has proven, is that savers lose wealth, stock investors maintain wealth, real estate investors build wealth. And I contend that within the discipline of real estate, being the investor is the best job of all of them, because, look, realtors rarely build wealth. Property managers that don't actually own the real estate, they also rarely build wealth. And the people on your maintenance team, they don't build wealth either. Now, as much as we might appreciate all these service professionals, I mean, I sure do this is not meant to disparage them. I'm trying to help you pick the right lane in real estate. Know that you're doing the right thing. Do the right thing before you do things right. By their own admission, the National Association of Realtors, the NAR they will tell you that the median gross income for a realtor is. Do you want to guess? Any guess as to what the median gross income for a realtor is? It is $58,100. that's it.    Keith Weinhold  3:37   And realize that's the figure being reported by the trade organization that represents the industry too licensed sales agents. Median income that's even lower. It is $41,700 also per the NAR I see myself realtors that have been in business 20 years, 30 years, 40 years, and all that time, they have never bought a single investment property for themselves. Instead, a lot of them spend their entire career helping other people get rich while they never get on the treadmill. But do you know what is even crazier to me, crazier than that, it's the number of people that manage properties, including some of my own property managers that I hire, and they don't own any investment real estate themselves. And I think that's crazy, because managers are doing what is one of the toughest jobs in real estate, always having to walk that tightrope, arbitrating between the property owner and the tenant, and as a result, often pleasing nobody. They're sort of like the football referee, the baseball umpire, the property manager they have to deal with The problem tenant. The manager has to bug the tenant to collect the late rent, and then your maintenance people. You know, I just met up with a contractor that's putting new flooring in one of my rentals. He's got a sense of humor, and he wore this great t shirt that says, I'm here because you broke it. I love that. But now his compensation isn't too shabby, but he's trading his time for dollars, and the income stops when his work stops. The lesson is, be the asset owner.    Keith Weinhold  5:35   Now this presidential administration has shaken up a lot of policies, good or bad we've got a bunch of new directives centered on the housing market. And really, this shouldn't come as any sort of surprise, since be mindful, the current White House occupant is a long time New York City Real Estate Investor, some of the more recent weighty moves that can affect you are banning institutional investors from buying single family homes that they turn into rentals, and the other one is a $200 billion bond purchase program aimed at reducing mortgage rates. Okay, whether those two things happen or not, it's good to look at their effect, how they move a real estate market, because when you understand the effects, then you learn a lesson, even if you're listening to this episode 10 years from now, the move to ban institutional investors. We're talking about conglomerate groups like Blackstone and invitation homes. The move to ban them from buying single family rentals is to try to reduce the demand and therefore, hopefully lower the price of single family homes in order to help affordability. Okay, that could work in concept. But here's the other thing that it does, there would be fewer rentals available on the market, because most institutional investors do buy those build to rent properties, that's what they're looking to acquire. So it's sort of what most any real estate investor would want. They would get higher rents and maybe some somewhat lower purchase prices, or at least a lower appreciation rate. But this whole move to ban institutional investors, that is mostly a nothing burger, that's all we're talking about here. And here's why you cannot undo the institutional purchases that were already made, and a lot of those got made, a lot of them during the pandemic. So it would only be banning new purchases. And another important point to consider here is how small this market is. I think these institutional buyers make a whole lot of outsized noise and often get pointed to as the boogeyman for running up prices of real estate. But that's not true. Only about two to 3% of single family rentals are owned by these giant investors, at least the ones that have over 1000 units. Okay, so this all sounds good as a political platitude. You trying to do something about it? I sort of understand that, but this ban, it just would not move the market very much at all now, perhaps a slight move could be triggered in cities that do have a lot of institutional ownership, like Atlanta, Jacksonville, Charlotte, but really little effect. The second directive from the President is having Fannie Mae and Freddie Mac buy $200 billion worth of mortgage bonds. This is really an effort to drive down mortgage rates and bring down monthly payments and make the cost of home ownership more affordable. The translation here for you is that whenever you inject money into something, money tends to flow more freely and rates get lower, kind of lowering the dam wall height, like I have given to you in other examples, when you buy bonds that demand pushes up bond prices, which lowers bond yields. And mortgage rates are tied to those lowered bond yields. And as soon as this was announced, like the very next day, mortgage rates fell into the high fives, yes, under 6% for the first time in three years. But the last thing effect of this that's been studied, and it's been shown to reduce mortgage rates by about three tenths of 1% so not nothing, but sort of small. However, if they're buying down rates like this one time, well then they might do it multiple times. So there you go. There are two recent directives from the president banning institutional investors from buying single family homes and buying mortgage bonds to lower mortgage rates.    Keith Weinhold  10:00   Either one of them with seismic effects. It's sort of like the 50 year mortgage proposal that the administration made a while ago, and that's probably not going to become a reality anytime soon, if ever. Here's a question that I have for you, and I'll let you answer. Do you like free markets, or would you rather have big government? Well, each of these directives are more government intervention into the free market, whether you like that or not. Another way to say it is that stuff like this makes a lot of splashy headlines, but it's not a bigger deal than a Philadelphia Eagles football game,at least. You know how these forces can move markets now    Keith Weinhold  10:46   straight ahead, it's the concise, definitive audio guide to selling your investment property. I'm going to detail four different ways that you can do it in this guide, including tax deferred and effectively, tax free methods. When you're able to defer taxes over and over again throughout your entire life, they effectively become tax free. You never have any tax obligation. Also, I will discuss one way of selling your property that you're probably not familiar with and you might have never heard about before in your life. I'm Keith Weinhold. You're listening to Episode 589 of get rich education.    Keith Weinhold  11:27   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre. Or or send a text now it's 1-937-795-8989, yep, text their freedom coach, directly. Again. 1-937-795-8989,   Keith Weinhold  12:39   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, start your pre qual and even chat with President chailey Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Russell Gray  13:12   Hi. This is Russell Gray, Main Street capitalist. You're listening to the get rich education show with Keith weinholden. Remember, don't quit your Daydream.    Keith Weinhold  13:20   You welcome back to get rich Education. I'm your host, Keith Weinhold, and I'm coming to you from Colorado Springs today, where I'm attending the real estate guys create your future goals retreat event, yeah, a goals event allows one to get introspective. One part of it is learning how I can serve you better on this show. Every week, since I do pour a lot of thought into what I share with you here. How much yeah, just, how much did this event mean to me? Well, my team is in the NFL playoffs, and I was willing to miss some playoff football for this.   Speaker 1  14:07    That's inexcusable, inexcusable. Playoffs. Don't talk about playoffs. You kidding me? Playoffs? I just hope we can win a game.   Keith Weinhold  14:19   Yeah, yeah. That is, that is, of course, the classic rant from a former NFL coach, Jim Mora. Maybe Jim needs to attend the goals retreat to put things into perspective here. now, whether it's just a few years from now or it's decades into your future, at some point we're all going to exit the real estate investing game, even if that's not until the day we die. I'll talk about that with whatever endeavor you're in. It is good to begin with. The end In mind. there's a good chance that you're either in real estate acquisition mode now, or you once were. Or where you're going to be in that real estate acquisition mode in the future, but after this accumulation phase of your life, hopefully, which you've turned into financial freedom through real estate, after that, you're going to be in the mode where, since you've already made it, you're going to want to just maintain the portfolio that you have or stop acquiring or you will want to sell eventually. The good news is that there are a lot of good options for selling your property and doing it, tax deferred and effectively tax free. Now I will not talk about selling your primary residence so much, though, this is focused on exiting from your investment property, primary residence sales rules with the IRS is that your first 250k of gain is exempt from capital gains tax if you're single, and your first 500k is shielded from tax if you're married. Quite a marriage incentive there.    Keith Weinhold  15:59   But as we focus on investment properties. This is influenced by a question from one of our older GRE listeners, 62 year old, Mark, who wrote in last year, was such a good question and I answered his question on air last month. I'll basically expand on that answer today. Mark said he has listened to every GRE episode ever, and therefore, congratulations, he made it. He reached financial freedom, and he's got a sizable portfolio. Some of his properties are paid off. Others are leveraged. But see, Mark is hesitant to buy more property because he's already made it his wife doesn't want more properties because she associates it with him having to do more work. Now, when you're still in pursuit of financial freedom, well, you don't mind investing a small slice of your time each month into real estate, a little light management, remotely, maybe, but once your residual income exceeds all of your expenses, well, then at that point, your time is going to start to become more valuable. So let's look at four here, four solid options for exiting your property, and then I'm going to examine the pros and cons of each one. The first of four is simply to sell real estate in the conventional way, just a plain sale to a buyer, where you see that it gets fixed up and you list it and you sell it outright. Well, the pros of this are is that it gets you to your exit, and it also turns your equity into cash. The cons, the downside of doing it this way is that you're going to give up your ongoing stream of income. Your Cash Flow is going to be gone. You might have to remove tenants, depending on your scenario. You have to fix up and stage the home to prepare it for the market. That could be as little as 5k or as much as 50k or more, depending on the size of your real estate, you're going to have to pay a real estate agent a commission of 3% or more and pay capital gains tax of 15% or more. That's one five. And you'll also have to pay depreciation recapture, and of course, you don't have to pay 15% of the total asset value. It's just 15% of the value gain during the time that you held this property, right? So the tax and fix up cost can eat into your profit with this first of four ways to sell your property, although you are still probably in for a pretty nice windfall upon the sale if you've held it for a while. All right, so the first way is a plain sail, and a lot of people would agree that is not the best way to do it. Okay, it gets far better from here. The second sale option that you have is something that a lot of real estate investors like us are familiar with, or have at least heard of, and the general public has not, and that is the 1031 exchange. You'll also hear it be called the 1031 tax deferred Exchange, or the 1031 like kind exchange, because you trade your property up for another property that's kind of like it. It is a hugely powerful wealth building and wealth preservation tool, okay, section 1031, of the IRS tax code that allows an investor to exit a property without incurring any capital gains taxes. That also does not trigger depreciation recapture when you sell your property, but in order for you to get those tax deferred benefits. Importantly, you have to roll your game into another piece of real estate. Now there are a lot of rules and nuances around 1031 ones. I have done multiple 1030 ones in my life, and they are so worth doing and amplifying your wealth, building power I will not cover all the rules and nuances those things like the three properties rule and the 200% rule, and that rule about how you need to identify your replacement property within 45 days and close on it within 180 days, and all of that. Because what I've done is I've completely broken that down on the show with you here previously, and as always, I explained it in the most clear, incoherent way that I could for you. I best did that on episode 143 of get rich education. The name of that episode is your 1031 exchange guide, tax deferral for life. Now, there do get to be some numbers flying around here, so you want to listen closely, you might find yourself skipping back for simple example purposes, in a 1031assume that you bought a $200,000 duplex 20 years ago, and it's now worth 500k you depreciated the value of the duplex every year, as is actually required by the IRS, assuming you took a total of 100k of depreciation over the life of your ownership of it, and you did not make any improvements to it. The basis of your property is then 100k because it's your 200k purchase price, minus 100k in total depreciation write offs. When you sell the property for 500k you now have a gain of 500k minus 100k which is 400k depreciation, recapture and capital gains are not taxed at the same rate, and it depends on some things, but let's assume that your blended tax rate is 20% that means you would owe 20% on your 400k so that would be 80k in taxes if you just did the plain sale. But not many people want to stroke a check to the IRS for 80k so instead, if you take your 400k of gain and roll it into a new property, or properties, you can defer your obligation to pay this 80k. Yes, you do not owe the IRS a thing. Now this is beautiful. You get that tax break virtually nowhere else in the investing world, okay, so what you've now done is that you have exited the property a duplex, in this case, via 1031 exchange, and you've traded it up for another property. So you're still a real estate investor. You have not exited being one of those, but you sold the duplex and replaced it with another property, or properties, all right, that was the second of four sale options, the 1031, exchange, and, yeah, as you can see, there do get to be some numbers flying around, some deep dive learning for you here. And that's why I lightened it up with the Jim Mora clip before we dove in.   Keith Weinhold  22:54   The third way is called refi for life. Now we could almost put an asterisk on this third way, because with a refi for life, it's not a sale of the property at all. What it is is it's really a way for you to sell your equity to a bank yet still retain the property. Therefore, you access capital without triggering any taxes. You get a nice, big windfall payout while you still hold the asset, and it keeps paying you up to five ways at the same time. Yeah, you will also hear this refi for life strategy referred to as other things. Refi till you die, is one way to put it, as equity accumulates, say, every five or 10 years, you just do another cash out refi, enjoy the tax free windfall and keep holding on to the asset that is the same thing. Other names for this repeated series of cash out refis throughout your life that you might hear, which I'm calling refi for life. Those other names are live on leverage, the equity to income strategy, the infinite hold, the generational hold strategy, hold until step up, or you might hear, buy, borrow, never sell. They all mean the same thing. I'm calling it refi for life. Let me give you a simple refi for life. Example, using conservative assumptions, say that today you put a total of 200k down to control $1 million worth of rental property. Your initial loan balance is 800k we'll just say your cash flow is zero. Your property is appreciated 6% per year. After 10 years, your million dollars of property, growing at 6% annually, is worth almost $1.8 million if you refinance a 75% loan to value your new loan, amount is 1.3 5 million you pay off the original 800k loan, that leaves you with raw. 550k of cash out refinance proceeds. Congratulations, you got a windfall, and your 550k is tax, free loan money to you not income, because the IRS says debt is not income, therefore it's not taxed. Yes, and you heard that right. You can do whatever you want with those funds. What you've now done is you pulled out more than two and a half times your original 200k investment. And yes, while you still own the property, you continue to hold this appreciating asset. Tenants keep paying down your debt over time, and inflation keeps working in your favor, all right, and remember, that's only what you did at the 10 year mark. You are not done. It just keeps getting better. Fast forward five more years to the 15 year mark, at 6% appreciation continuing your original Million Dollar Portfolio is now worth about $2.4 million at 75% loan to value that property supports total debt of roughly $1.8 million at this point, your existing loan balance from the prior refinance, it's still that 1.3 5 million so you pay it off with a new loan. This allows you to extract an additional 450k of tax free cash. So add it up. This means at the 10 year mark, you got 550k and then here, at the 15 year mark, you got another 450k across your two refinances combined, you have now pull out a cool million dollars in tax free loan proceeds. That's nearly $1 million of liquid, usable capital from an original 200k investment that you made 15 years ago, without you ever selling the property. You still own. What's worth now $2.4 million worth of property, you've got the million liquid and you still have not triggered any tax at all. So at this stage, you can just live off your million dollars of refinance proceeds, or you can choose to reinvest it into new assets. Or you can selectively pay down your debt to increase your cash flow, or you can simply hold and let inflation continue shrinking the real value of your loans, and let inflation continue to make your properties go up in price, then down the road when you eventually die, your heirs receive a step up in basis largely eliminating capital gains tax. That is just amazing. That is refi for life in plain English. So that is the third of four exit strategies that I'm sharing with you here today. And understand there are a few caveats here. I only went to the 15 year mark, you can keep doing it every five years. Beyond that, it just keeps getting better as leverage compounds the value of what you own. Now I kept it simple for learning purposes in an audio format with you here, you're probably going to have even more equity than those numbers I gave you because I didn't even include the principal pay down that your tenants make for you.    Keith Weinhold  28:26   And let's discuss a few more pros and cons of this refi for life plan. The pros are that you've borrowed, and you've done that with perhaps a home equity line of credit, home equity loan or a second mortgage, you borrowed against the property in perpetuity and get tax free cash. Interest paid on the amount borrowed is tax deductible too. If you don't have enough tax advantages, there's also that you've got zero property sale, transaction friction or risk, you pass along the value of your home or portfolio to heirs on a stepped up basis. What that means, in essence, is when you pass away your depreciation recapture and your capital gains are wiped out, that's what a stepped up basis means. Okay, those were the pros, the cons, the downsides of doing this, and there aren't very many, but it's that it does not get you out of property ownership while you're still alive. If that's what you're looking for, your property cash flow gets reduced when you do a refi because you have a new debt service obligation. However, you've also got incremental rent increases throughout time that could offset that. And the other thing is, think about your heirs. Sometimes heirs find it challenging to divide homes among themselves, so your heirs need to be pretty well educated on related real estate and tax principles. So those are the cons of refi for Life. We're talking about four distinct access strategies for your investment real estate today on get rich education podcast episode 589 I'm your host, Keith Weinhold    Keith Weinhold  30:09   and the fourth way, the least understood and least utilized way, is known as the 721 exchange. And I want to thank a different GRE listener named Nate in California in his acquire to retire blog. It's worth checking out. I want to thank Nate for his contribution here. Nate heard the GRE episode last year about 62 year old. Listener Mark's desire to sell, and that's what got Nate to write in about the 721 exchange, yes, just like the 1031 exchange is named for that particular section of the IRS tax code, it's just the same with the 721 and of all four methods we're discussing today, it's the only one of the four that I have not done myself. So I have studied it how the 721 exchange works is that say you have a case where you're a rental property owner and you realize that you just don't want the hassles of landlording, but you like the financial benefit that the ownership gives you. What you can do is sell your home to a partnership and receive shares in that partnership. The 721 exchange rules stipulate that this is not a taxable event, and therefore no capital gains tax or depreciation recapture are due. Now that you're an owner in the partnership, you still get the benefits of owning the property, like appreciation and cash flow and such, and you get these benefits across a greater number of properties in markets diversification, because you are a fractional owner in the other properties that are in the partnership, not only your own. And when you eventually pass away, your shares are stepped up in basis and can be distributed equally to heirs. And see it is surely easier to divide shares among, say, four children than it is to divide your 31 rental houses among four children, because your four children are all going to have different goals and varying degrees of financial savvy. So the 721 exchange really is a great estate planning tool as well. So you will have this partnership that makes an offer to buy your property. Section 721, of the IRS Code allows a property owner to contribute real estate to a partnership in exchange for partnership units. And of course, you are going to need to learn how to vet the partnership. Now let's look at some of the pros and cons of this. The upside the pros are that it gets you out of being a direct property owner, if that's just something down the road that you don't want to do anymore. No more repair requests or HOAs, property tax bills, insurance bills, vacancies or property improvements. And of course, the hedge against that, I favor using a property manager to take care of that for me, but that is a different topic. But in any case, you also defer paying capital gains tax and depreciation recapture by rolling your equity into a qualified real estate fund. Some more upsides of the 721 are that you get shares in the real estate fund that offers you continued cash flow and possible appreciation. There's often no need for you to pay to fix up or stage the property for sale, no agent commissions to pay. You diversify your risk across multiple markets and properties you get to contribute to, and you sort of become part of a like minded community of real estate investors, and you peripherally stay attached to your real estate, even though you're no longer the direct owner of it. Now, of course, being a direct owner of real estate is where you get both the profits and the control, but again, after a decade, or even 50 Years of direct ownership, you're just choosing to be done with that phase. So the 721 is a permanent solution. There's no sort of next decision, stress or risk. It is done. It is solved. But like I said, the shares are easy to divide among heirs compared to a portfolio of homes. All right, how about the cons the negative of a 721 exchange? Well, you're going to forfeit the ability to borrow against your asset, the refi for life plan that I talked about in the third way you can sell your property. Also you're going to have to pay some onboarding fees or some management fees to the partnership, and you're going to lose future 1031 exchange availability. And that is it. That is the 721 exchange. Again, I want to thank GRE listener, Nate from California, for reaching out to the show, and he's got a great blog. That's what got me to study the 721 exchange some more. This can happen with an up rate. You've probably heard of a REIT before, really.   Keith Weinhold  35:00   Estate Investment Trust and upreet, up r, e, i, t, that is in umbrella partnership. REIT, as investors, we acquire and hold real estate for the long term because it provides those real estate pays five ways, benefits of appreciation, cash flow, ROA, tax benefits and inflation profiting. But as you begin with the end in mind, it's going to be aware of your options so that you can optimize that inevitable exit of yours down the row. To summarize what you've learned so far on this segment of the show is that there are four viable exit strategies for real estate investors, the straight sale, the 1031, tax deferred exchange, refi for life, which isn't a sale at all. It's a series of cash out refis, and finally, the 721 exchange, where you sell to a partnership, all with their various pros and cons. So some really good options for you. You can look up Ridge lending group, if you want to do a cash out refi on your investment property, they're very well versed in how to do those things. That was the third strategy, the refi for life. What do I personally recommend that you do? Well, I don't know your situation, but I can just tell you what I do myself, and that is generally, if I like a property, I keep doing the refi for life thing, continued cash out refinances, and I just keep holding onto the property and enjoying that tax free cash. That's if I like a property. If I don't like a property, I will be more likely to 1031 exchange it up into something larger, and when I'm older and done being a direct real estate investor, that's time. I'll probably take a close look at a 721, exchange and see if it's right for me at that time. How can you learn more about these four exit strategies and what professional parties might you want to use to help facilitate it? Well, it is the same place that you get free coaching from us, and it's also the same place where you find just the right next investment property so that you're going to have something to sell in future decades. That is it gre investmentcoach.com that's free consultation with our coaches at greinvestmentcoach.com   Keith Weinhold  37:19   I'm Keith Weinhold, thanks for being here, but you weren't here for me. You were here for you. Don't quit your Daydream.   Speaker 1  37:29   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Keith Weinhold  37:57   The preceding program was brought to you by your home for wealth building, get richeducation.com you.  

In this episode, Jay Nakashima, President of eHealth Exchange, discusses how modern data standards and trusted networks are transforming payer provider information sharing, reducing reliance on fax and manual processes. He also shares where inefficiencies persist, how interoperability can lower administrative costs, and what policy changes could improve affordability and access.

This week I'm feeling extremely pop-culture-brained because my fav show Industry is back, and if you think it's just a show about finance…I'm here to inform you it's actually a horror story about work.  We're talking: ambition with zero guardrails, power with zero accountability, jobs becoming entire identities way too early, and the whole nine yards. From an HR lens, it's equal parts fascinating and deeply unsettling, but there are plenty of valuable takeaways nonetheless! I brought back my fellow Industry lover and friend, Dave Garcia, to unpack what the show gets right, what it exaggerates, and why it feels uncomfortably familiar.  Quantum Workplace helps leaders build thriving teams that fuel business success. We give leaders at every level a clear path forward—by unlocking critical talent insights across engagement, performance, and development. With clarity and confidence, people leaders can act decisively, scale leadership quality, and strengthen connection and performance.  Trusted by thousands of people-focused companies, Quantum Workplace makes it easier to keep teams aligned, empowered, growing, and valued on the path to business success. Visit ⁠quantumworkplace.com⁠ to learn more. 00:04:17 - How Hebba and Dave Started Watching Industry 00:05:37 - One New Thing Dave Wants to Learn This Year 00:08:17 - What Industry Says About Work, and Why We're Talking About It 00:20:38 - How Grind Culture Reveals Socialized Dysfunction 00:31:06 - Accepting Status in Exchange for Safety 00:38:53 - How Power Affects Corporate Dynamics 00:49:32 - What Industry Gets Right About How Meritocracy Actually Works 00:59:57 - The Critiques of Hustle Culture 01:08:20 - What Industry Reveals About What Most Workplace Conversations Avoid 01:13:01 - Uncomfortable Conversations Industry Might Force You to Have And if you love I Hate It Here, sign up to Hebba's newsletter! It's for jaded, overworked, and emotionally burnt-out HR/People Operations professionals needing a little inspiration. https://workweek.com/discover-newsletters/i-hate-it-here-newsletter/   And if you love the podcast, be sure to check out  https://www.youtube.com/@ihateit-here for even more exclusive insider content!   Follow Dave: LinkedIn: https://www.linkedin.com/in/nycddg/   Follow Hebba:  YouTube: https://www.youtube.com/@ihateit-here/videos LinkedIn: https://linkedin.com/in/hebba-youssef Twitter: https://twitter.com/hebbamyoussef

Ever thought it might be possible to stay in Paris for 20 nights without paying rent? In this episode, Annie Sargent chats with Liz Van Montfort, a traveler who's cracked the code on home exchange—the savvy way to explore France (or anywhere!) without breaking the bank. Liz shares how she spent three weeks in a Parisian apartment during the Rugby World Cup using Guest Points, plus a night in a 17th-century Dijon hotel, all while avoiding Airbnb's pitfalls. Listen to this episode ad-free Liz breaks down the two types of home exchanges: reciprocal swaps (you stay in their home, they stay in yours) and Guest Points, a flexible system where you earn points by hosting others and spend them on stays worldwide. No fancy house required—Liz's Christchurch townhouse (complete with a communal pool!) has attracted exchanges from Sydney to Provence. She reveals how to prep your home, from welcome booklets to leaving local treats, and why guests often leave the place cleaner than they found it. But why ditch Airbnb? Liz's Barcelona nightmare—stranded with luggage after a last-minute cancellation—will make you think twice. Home exchange offers verified members, insurance, and backup plans if things go wrong. Annie adds that it's perfect for slow travelers, families, and anyone tired of tourist traps. You'll live like a local, with kitchens, laundries, and neighborhood cafés at your fingertips. After the chat, Annie dives into Paris 2026 updates: the Tour Triangle skyscraper, Louis Vuitton's Champs-Élysées hotel, and the Place de la Concorde's pedestrian makeover. Whether you're planning a trip or just love armchair travel, this episode is packed with insider tips, cultural gems, and budget-friendly hacks. Subscribe to Join Us in France on your favorite podcast app to get more hidden travel secrets, cultural deep dives, and off-the-beaten-path adventures. Your next French escape starts here! Table of Contents for this Episode [00:00:15] Introduction and Welcome [00:00:29] Today on the podcast [00:01:09] Podcast supporters [00:01:44] Magazine segment [00:02:35] Home Exchange with Liz van Montford [00:02:50] Home Exchange Experience in France [00:05:04] Types of exchanges [00:05:12] Types of Home Exchanges [00:06:42] Benefits of Home Exchange [00:08:12] Starting with Home Exchange [00:09:51] Managing Home Exchange Logistics [00:11:09] Personal Stories and Experiences [00:13:53] Preparing Your Home for Exchange [00:19:56] Unexpected Situations and Flexibility [00:20:58] Airbnb vs. Home Exchange: Cost and Convenience [00:21:19] Creating a Comprehensive Welcome Booklet [00:22:11] Pet Care During Home Exchanges [00:22:59] History and Evolution of Home Exchange [00:24:45] Membership and Insurance Benefits [00:25:58] Airbnb Experiences: The Good and the Bad [00:31:34] Challenges with Airbnb in France [00:34:57] Who Should Consider Home Exchange? [00:35:46] Preparing Your Home for Exchange [00:37:28] Final Thoughts and Future Plans [00:38:37] Thank You Patrons [00:39:30] VoiceMap Tours [00:40:29] Tour Triangle [00:41:53] Louis Vitton Hotel in Paris [00:43:34]  The Parc de la Villette [00:44:10]  Place de la Concorde [00:45:10]  The Tour Montparnasse [00:48:15] Next week on the podcast [00:48:37] Copyright More episodes about budget travel in France #JoinUsInFrance, #FrancePodcast, #TravelFrance, #FrenchCulture, #ExploreFrance, #DiscoverFrance, #FranceTravelTips, #RealFrance, #Francophile, #FranceAdventures, #HomeExchangeSecrets, #TravelForFree, #SlowTravelFrance, #LiveLikeALocal, #ParisTravelTips, #AffordableFrance, #HiddenFrance, #TravelHacks, #AuthenticTravel, #BudgetTravelFrance

Empathizers and Instigators operate like the left and right sides of your brain. This means you're only using half of the strengths already inside of you to successfully navigate life. This dad-daughter podcast will show you how to unleash your potential by mindfully adopting and practicing the strengths of your opposite type.

Anton Daniels And Corey Holcomb Heated Exchange on Politics!

“Worldwide Exchange” delivers essential, actionable information and analysis for anyone who wants to be part of the global business conversation. CNBC Anchor Frank Holland takes listeners through top business stories with global significance. Features conversations with key leaders, analysis of business and investor trends, and impact across international markets.  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Grain Market Reaction, Corn and Grain Sorghum Wheat, Soybeans and Macroeconomics Weather Conditions Creating Fire Concerns   00:01:05 – Grain Market Reaction, Corn and Grain Sorghum: Daniel O'Brien, K-State grain economist, and Guy Allen, the senior economist at the IGP Institute, begin the show as they discuss the overall market reaction to the USDA reports as well as feed grains.    00:12:05 – Wheat, Soybeans and Macroeconomics: Keeping the show and their conversation rolling are Daniel and Guy as they continue chatting about wheat and soybeans as well as also touching on transportation, foreign exchange and government payments. Daniel on AgManager.info   00:23:05 – Weather Conditions Creating Fire Concerns: K-State meteorologist Chip Redmond concludes today's show as he notes how the current conditions in Kansas should have people paying extra attention to fire concerns.      Send comments, questions or requests for copies of past programs to ksrenews@ksu.edu.   Agriculture Today is a daily program featuring Kansas State University agricultural specialists and other experts examining ag issues facing Kansas and the nation. It is hosted by Shelby Varner and distributed to radio stations throughout Kansas and as a daily podcast.   K‑State Extension is a short name for the Kansas State University Cooperative Extension Service, a program designed to generate and distribute useful knowledge for the well‑being of Kansans. Supported by county, state, federal and private funds, the program has county Extension offices statewide. Its headquarters is on the K‑State campus in Manhattan. For more information, visit www.ksre.ksu.edu. K-State Extension is an equal opportunity provider and employer.

You ever notice how gift cards are supposed to be one of the easiest gifts to use…and somehow they're the easiest to lose?They end up in wallets, junk drawers, coat pockets, or forgotten envelopes. And every year, billions of dollars in gift card value goes unused. Real money. Already paid for. Already owned. Just misplaced.

Mama, we were not created to be burden bearers. We were not created to carry and labor under the weight and stress of our problems. We were created to surrender them in prayer and lay them at the feet of Jesus. Isn't that a wonderful gift? Let's embrace it today!“Come to me, all you who are weary and burdened, and I will give you rest. Take my yoke upon you and learn from me, for I am gentle and humble in heart, and you will find rest for your souls. For my yoke is easy and my burden is light.” -Matthew 11:28-30 (NIV)✨ Important Announcement: Dear Mama, in 2026, the Lord has called us to step away from social media so we can go deeper with you in the Radiant Mom Sisterhood. Join HERE for just $4.99 a month or $50 a year, and walk this next season of motherhood with us! **And... we are offering the Radiant Mom Sisterhood for FREE in the month of January to welcome our new mamas! Use code JAN2026 For more information about our ministry, visit our website http://helpclubformoms.comCheck out our YouVersion plans HERE!Our prayer team prays for you every day! Send us your prayer requests at admin@helpclubformoms.com.

“Worldwide Exchange” delivers essential, actionable information and analysis for anyone who wants to be part of the global business conversation. CNBC Anchor Frank Holland takes listeners through top business stories with global significance. Features conversations with key leaders, analysis of business and investor trends, and impact across international markets. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode, 3x guest and Dream Programs Assistant Coach, Robin Barth, and I discuss our 4 biggest takeaways from the USAT Endurance Exchange held this weekend, January 9th-11th 2026. What did we learn? How is the sport doing? How is coaching doing? Should we be optimistic? Most importantly, you will get actionable insights from this episode.Simple ask - please give us a review on Apple or Spotify. To learn more about Robin, follow her @rise_up_racing or @robin_triathlete on IG. Thanks for listening!Website | Follow Michelle on IG

As we kick off the new year, all four hosts are back for a discussion that every nurse anesthesia program will face at some point. We're sitting down together for a candid, experience-driven conversation about what accreditation really looks like from the inside, whether you're a program director, faculty member, or educator preparing for your first review. Drawing from multiple accreditation cycles, on-site visits, and self-study efforts, the panel discusses what works, what surprises programs, and why accreditation should be viewed as a measure of compliance, not a judgment of educational quality. We understand how overwhelming the process can feel at times, but getting guidance and resources from peers can help alleviate some of the pressure. Here's some of what you'll hear in this episode:

In this episode of the Real Science Exchange – Dairy Producer Edition, hosts Scott Sorrell, Balchem and Walt Cooley, Progressive Dairy Magazine, recap a recent Real Producer Exchange webinar featuring Rob and Adrian Diepersloot of Wolf Creek Dairy and WonderCow Nutrition. Rob and Adrian share their family's journey, from Dutch immigrant roots to managing large-scale dairy operations in California and Colorado, and discuss how communication, leadership structure and disciplined decision-making have helped them successfully scale their operation. The conversation also dives into lessons learned from facility design, sustainability initiatives and the launch of a consumer colostrum brand rooted in dairy science. Rob and Adrian introduce themselves and share their family's immigration story and early dairy roots in California, including how prior generations entered the U.S. dairy industry. (1:01) The Diepersloot's tell the story growth on their dairy operations, including expansion in California, the decision to diversify geographically and the opportunity that led them to build Wolf Creek Dairy in Colorado in 2017. (1:29) Rob and Adrian describe how they build and empower a strong leadership team, emphasizing the importance of hiring the right people, expecting managers to think like owners, and conducting efficient and candid meetings that focus on the entire business. (6:25) The conversation shifts to facility design and operational successes in Colorado, including no-headlock systems, sort gates, feed efficiency improvements, and later adopted in California. (9:59) Sustainability initiatives are explored, including methane digesters, power generation, manure management and solar energy projects, with a comparison of approaches between California and Colorado. (11:10) Rob and Adrian share lessons learned from technology challenges, including manure handling systems, activity collars, and feeding infrastructure, and how those experiences shaped future decisions. (15:46) The discussion turns to the origin of WonderCow Nutrition, detailing how academic research on colostrum and personal family experiences led to the launch of a consumer colostrum brand in 2023. (17:47) Rob explains WonderCow's calf-first sourcing commitment, how colostrum is collected responsibly, and what differentiates whole colostrum products from skim-based alternatives. (20:19) The episode concludes with a preview of the exclusive “Back 30” live Q&A, available only to live webinar attendees, and a reminder of upcoming Real Producer Exchange events including the next one on February 17 with Skylar Gericke out of Arizona which will focus on reproduction success and heat stress. (23:23)

Has organizational change redefined your job role? If it hasn't yet, it will at some point. Whether acknowledged or ignored, every organizational change at a company impacts you. This is broader than just layoffs and more employees under a single manager. What are the organizational changes we might see, and what can we do to stand out and stay the course? This week in episode 355 we're joined by guest Ryan Conley. Listen closely as we uncover different patterns of organizational change and provide practical tips to take action when those changes happen. Ryan helps us understand the corporate lifecycle and how to reframe this concept to understand where we are in the career lifecycle. You'll hear from Ryan's personal experience why the most resilient (and successful) technologists can identify and fill the gaps left after an organizational change whether that means working for a new boss, joining a different team, or changing job roles. Original Recording Date: 11-13-2025 Topics – Framing Our Focus on Organizational Change, Observations and Patterns, Defining the Career Lifecycle, When Colleagues Leave the Company, Layoff Resources, Working for a New Boss, Becoming Part of a Different Team, Shifting Job Roles or Job Level Changes, Parting Thoughts 2:58 – Framing Our Focus on Organizational Change Ryan Conley is a global field principal with 11p years of technical pre-sales experience. Before this, Ryan accumulated 13 years of systems administration in industries like education, finance, and consulting. In a recent episode of our show, guest Milin Desai compared organizations to living, breathing organisms that change. Nick posits that we don't always think changes at our company will or can affect us as employees, but they do. Ryan references Aswath Damodaran's writings about organizational change through the frame of a corporate lifecycle. We can relate by considering where our company might be in that lifecycle. As we experience the impacts of organizational change, Ryan encourages us to consider where we are in our career lifecycle. 4:19 – Observations and Patterns We see organizational change in different ways. What are some of the things Ryan has seen that he would classify as organizational changes? Let's take a step back, past the current headlines, and look at the wider industry. Companies are growing inorganically (through mergers and acquisitions) or organically through investments in R&D (research and development), for example. Ryan has worked with companies that grew by acquiring 2 new companies each year to give an example. When you're on the IT side of the acquiring company, there is a lot involved in the process like integrating e-mail systems, networks, and CRM systems. This process also involves getting 2 teams to work together. If one team needs to move from Office 365 to Gmail, it can be a big adjustment to employees' daily workflow. The acquiring and acquired companies may have the same or very different cultures. In some cases, a company will want to acquire others with similar cultures, while some may not be concerned about the culture and choose to focus on the intellectual property (products or services, knowledge of how to build or manufacture something, etc.) of the company to be acquired. Nick says the experience for people on the side of the acquiring company and that of the company getting acquired can be quite different. Nick worked in IT for a manufacturing company for about 9 years, and over the course of his time there saw the company acquire several other companies. Nick usually had to go assess technology systems of companies that were going to be acquired and figure out how to integrate the systems in a way that would best service the user base. From what Nick has seen, some employees from the acquired company were integrated into the acquiring company, while others were eventually no longer with the company. Anxiety levels about an acquisition may be different depending on whether you work for the acquiring company or the acquired company. “The people are just as much of the intellectual property of the company as, in many cases, the actual assets themselves. And in some cases, that culture just isn't a fit.” – Ryan Conley Ryan shares the example of someone he knew who left after another company acquired their employer because the culture was not a fit. Losing a key leader or a key subject matter expert after an acquisition could create a retention problem because others may want to follow them or start looking elsewhere. "So how do you protect the culture internally? How do you integrate a different culture in? But also, how do you kind of protect the long-term viability of the team as individuals, first and foremost, but then also the organization long-term? Depending on the intellectual property the acquiring company is after, we don't usually know the level of due diligence completed to understand the key resources or subject matter experts who must be retained for longer-term success. Ryan encourages to imagine being the CTO or VP of Research and Development at a specific company that is suddenly acquired. People in these roles drive the direction of the technology investment for their company today as well as years to come. After being acquired, these people might be asked to work in lower levels of leadership with different titles, which could result in “title shock” and require some humility to accept. This scenario is a leadership change that happens as a result of an acquisition, but we might see leadership changes outside of acquisitions. Some leadership positions get created because of a specific need, others are eliminated for specific reasons, and some get shifted down or changed. Each of these changes has a downstream impact on individual contributors. Ryan talks about the positive impacts of leadership changes and gives the example of when a former manager was promoted to senior manager and allowed that person to hire a manager underneath him. There isn't always internal mobility, but leadership changes could create these opportunities for individuals. Nick talks about the potential impact of a change in our direct boss / manager. If a boss who was difficult to work for leaves the company, getting a different boss could make a huge positive impact on our daily work lives. Similarly, we might have a great boss leave the company or take a different role, requiring that we learn to work for someone else who may operate very differently. Ryan tells us he has worked for some amazing leaders and says a leader is not the same as a manager. Ryan cites an example of getting promoted into a role that allowed him to have more strategic conversations about the focus of a team with his boss. We can choose to mentor members of our team so that when opportunities arise from structural change, they are equipped to seize those opportunities. Change can be viewed as an opportunity. A company's overall priorities may have changed. Shifting priorities may require a company to operate very differently than it has in the past, which can cause changes to people, processes, and technology. Nick references a conversation with Milin Desai on constrained planning from Episode 351. Milin encourages regularly asking the question “is this still how we want to operate?” The way a company or team operated in the past may not be the best way to do it in the future. Changes to operations may or may not create opportunities for our career. Ryan loves this mindset of reassessing, which could apply to the company, a team, a business unit, the technology decision, etc. “I love the mindset of ‘what was best, why did we do it, and why was it best then?' And then the follow up question is ‘is that still best today?' And it's ok if the answer is no because that leads to the next question – ‘how should we be doing it today…and why?'” – Ryan Conley, commenting on Milin Desai's concept of constrained planning Ryan talks about companies reassessing their core focus. We've seen some companies divest out of a particular space, for example. Nick says this reassessment could result in a decision to pursue an emerging market which could lead to the creation of a new business unit and new jobs / opportunities for people. It could also go in the other direction where the company decides to shut down an entire business unit. 15:30 – Defining the Career Lifecycle Going back to the analogy Ryan shared about corporate lifecycle, we can reframe this and look at the career lifecycle. “Where are you at in your individual career journey? Where are you at in that lifecycle?” – Ryan Conley People close to retirement may be laser focused on doing well in their current role and hesitant to make a change. Others earlier in the career may want to do more, go deeper, or be more open to making a change. Ryan recounts speaking to a peer who is working on a master's degree in AI. “With challenge comes opportunity, so do you want to try something new? And it's ok if the answer's no. But if there is an opportunity to try something new and you're willing to invest in yourself and in your company, I think that's worth considering.” – Ryan Conley We've talked to a number of former guests who got in on a technology wave at just the right time, which led to new opportunities and an entirely new career trajectory. Becoming aware of and developing expertise in emerging technologies can lead to new opportunities within your company (i.e. being able to influence the use of that technology within your company). “I think as technologists, whether you're a business leader over technology, whether you're day in / day out in technology as an individual contributor…emerging technology brings new challenges, just with a learning curve…. There's hard skills that have to be learned. You get beyond the education it's then also sharing with the peers around you…. So, what was best yesterday? Is it still best today? And tomorrow, we'll ask the question again.” – Ryan Conley Ryan says this goes back to our analogy. Should we be doing certain things manually now, or is it better to rely on tools that can help automate the process? If we go back for a second to Ryan's previous mention of integrating the technology stack for different companies, being part of the integration process might enable someone to learn an entire new technology stack. We might have to assess what is best between Google Workspace and Microsoft 365, for example, and develop the transition plan to move from one to the other and perhaps even capture the business case for using both within a company. To Ryan, this is an example of seeing a problem or gap and working to fill it. “If you want to be just a long-standing contributor to the team and your individual organization, I think it's worth calling out…those who stick around longer and get promoted faster are the ones who see a gap and they plug it.” – Ryan Conley Ryan shares a personal story about a co-worker who attended a Microsoft conference on their own dime. This person worked over a weekend to setup a solution that saved the team significant time doing desktop imaging. But then, Ryan's colleague took it a step further and trained the team on how to use it. Nick highlights the fact that we should remember to document our accomplishments to keep track of how we've changed as a result. We can use this information when searching for new opportunities or even in conversations with our leader. 20:34 – When Colleagues Leave the Company Another form of organizational change we've seen is outsourcing specific business functions. Daniel Paluszek spoke about companies outsourcing functions outside of their core business in Episode 338. If IT is outside the core business, a company might decide to outsource it. It doesn't mean that's the right decision, but it could be a possibility. Companies may outsource other functions like HR and payroll as well to give other examples. If IT was internal and it gets outsourced, that is an organizational change and will affect some people. Similarly, insourcing a function which was previously outsourced will have an impact. Ryan has learned in the last few years that some people are more adaptable to change than others. “And it's not just looking at the silver lining. It's recognizing the change. Maybe there's a why, and maybe there isn't a why. Or maybe the why hasn't been clearly articulated to you. Being able to understand, what does this mean to me…. As an organization do I still believe in them? Do I still believe in the technology as a technologist? Do I still enjoy the people I work with? Those are all questions that come up, but ultimately you have to decide…is this change I want to roll with? Is this change I don't want to roll with?” – Ryan Conley To illustrate, Ryan gives the example of a peer who left an organization after seeing a change they didn't like in order to shift the focus of their role from technology operations to more of a site reliability engineering focus. While this type of change that results in a talented individual leaving an organization can be difficult for teammates to accept and for a manager to backfill, these types of changes that are beneficial to someone's career should be celebrated. When we assess whether the changes made at a company are those we can accept and roll with, we can first make sure we understand what we are to focus on as individuals operating within the organization. We have an opportunity to relay that to other members of our team for the benefit of the overall team culture and to build up those who do not adapt to change well. Understanding organizational changes and what they mean for individuals may take repetition. While Ryan understands that he responds well to change, he remains empathetic to those folks to need to hear the message a few times to fully understand. Nick says we can learn from the circumstances surrounding someone leaving the company. For those we know, what interested them about taking a role at another company? Perhaps they took a role you've never thought about for yourself that could be something you pursue in the future. If a member of your team leaves the company, sometimes their role gets backfilled, and other times it may not. If the role is backfilled, you get to learn from a new team member. If not, the responsibilities of the departing team member will likely be divided among other team members. Though it would result in extra work, you could ask to take on the responsibility that would both increase your skill set and make you more valuable to the company. When Ryan worked for a hedge fund, the senior vice president left the company. This person was managing the company's backups. Ryan had experience in this area from a previous role at a consulting firm and volunteered to do it. Shortly after taking on this responsibility for backups, he found that restoring backups from tape and needing to order new servers posed a huge risk to the company in a disaster scenario (i.e. would take weeks to restore everything). Ryan was able to write up a business plan to address the business continuity risk and got it approved by the COO. “Being able to see a gap and fill it is the central theme, and that came from change.” – Ryan Conley Ryan says if you're willing to do a little more work, it is worth the effort to see a gap and work to fill it. 27:34 – Layoff Resources We acknowledged some of the byproducts of organizational change like layoffs and flatter organizations in the beginning of our discussion. We are not sidestepping the fact that layoffs happen, but that is not the primary focus of our discussion today. Here are a few things that may help if you find yourself being impacted by a layoff: First, know that you are not alone in experiencing this. “When a layoff hits, it's important to remember…it's extremely rare that that's going to be personal. Once it's firmly accepted, look for the opportunity in a forced career change. It's there.” – thought shared with us by Megan Wills Check out our Layoff Resources Page to find some of the most impactful conversations on the topic of layoffs on our show to date. We also have our Career Uncertainty Action Guide with a checklist of the 5 pillars of career resilience as well as reusable AI prompts to help you think through topics like navigating a recent layoff, financial planning, or managing your mindset and being overwhelmed. 28:43 – Working for a New Boss Let's move on to section 2 of our discussion. If you're still at a company after an organization change has happened, we want to talk through some of the ways you can take control, take action, and succeed. We want to share a thought from former guest Daniel Lemire as we begin this discussion: “Companies are the most complicated machine man has ever built. We build great machines to accomplish as set of goals, objectives, or outputs. The better you can understand the value the company delivers…the faster you can understand where you fit in that equation. If you don't understand where you contribute to that value, there's work to be done. That work may be on you, may be on your skills, or perhaps it's your understanding of where you fit into that equation.” – Daniel Lemire Let's say that you're impacted by an organizational change and will be working for a new boss. What can we control, and how to we make a positive impact? Ryan says we can be an asset to the team and support larger business goals by first giving some thought to who the new boss is as a person. Try to get to know them on a personal level. Ryan wants to get to know a new boss and be able to ask them difficult questions. Similarly, he wants a boss to be able to ask him difficult questions. Meeting a new boss face-to-face is ideal if that is possible, but this can be more difficult to arrange if your boss lives a large distance from you. Make sure you understand the larger organization's mission statement. As individual contributors, we may lose sight of this over time. “If that is important to the team and the culture, I think it's worth making sure you're aligned with that. I think it's worth understanding your direct manager's alignment toward that and then having that kind of fuel the discussions…. What are you expecting of me? Here are my expectations of you as my manager. Where do you see change in the next 6, 12, 18 months?” – Ryan Conley, on using mission to drive conversations with your manager A manager may not have all the answers to your questions. They could also be inheriting a new team. Ryan encourages us to ask how we can help our manager to develop the working relationship further. This is something he learned from a previous boss who would close every 1-1 with “is there anything else I can do to help?” Nick says a manager may be able to contextualize the organization's mission statement for the team and its members better than we can do for ourselves. For example, the mission and focus of the team may have changed from what it once was. A new manager should (and likely will) set the tone. Nick would classify Ryan's suggestions above as seeking to learn and understand how your new manager operates. Back in Episode 84 guest Brad Pinkston talked about the importance of wanting to know how his manager likes to communicate and be communicated with. This is about understanding your manager's communication preferences and can in some ways help set expectations. A manager may be brief when responding to text messages, for example, because they are in a lot of meetings. But if they tell you this ahead of time, it removes some assumptions about any hidden meanings in the response. Ryan gives the example of an executive who used to respond with Y for yes and N for no to e-mails when answering questions. We can also do research on a new boss in advance. We can look on LinkedIn to understand the person's background and work history. We can speak to other people inside the company to see what they know about the person. Ideally, get a perspective from someone who has worked for the manager in the past because a former direct report might be able to share some of the context about communication preferences and other lessons learned from working with that specific manager. We can also try to be mindful of how the manager's position may have changed due to organizational flattening. They may have moved from managing managers to having 15 direct reports who are individual contributors, for example. “Their time might be stretched thinner, and they're just trying to navigate this new leadership organizational change with you.” – Ryan Conley The manager may or may not have wanted the situation they are currently in. How is your boss measured by their boss, and how can you help them hit those metrics? You may not want to ask this in the first 1-1, but you should ask. Ryan suggests asking your boss what success looks like in their role. You can also ask what success for the team looks like in a year and what it will take to get there. Based on the answer, it might mean less 1-1s but more in depth each time, more independence than you want, or even more responsibility than you wanted or expected. Ultimately, by asking these questions, you're trying to help the team be more successful. We want our manager to understand that we are a competent member of the team. Understanding what success looks like allows us to communicate with our manager in a way that demonstrates we are doing a good job. Some of the time in our 1-1s with a manager will be spent communicating the things we have completed or on which we are actively working. We need to demonstrate our ability to meet deadlines, for example. Daniel Lemire shared this book recommendation with us – The First 90 Days: Proven Strategies for Getting Up to Speed Faster and Smarter. It's a great resource for new leaders but also excellent for individual contributors. Ryan tells us to keep track of our wins over the course of any given year (something that was taught to him) so we have it ready for performance reviews. He encourages keeping a journal that we start in January. Keep track not only of what you did but the outcomes your work delivered and the success metrics. For example, if you gave a presentation, note the number of people present. The company culture may have some impact on the language you need to use to word your accomplishments (i.e. using “I” statements). “I didn't want to be the only person who could do it. I'd rather learn it and then enable 5 other people to do it. And then those 5 people go do it, and that is a much bigger outcome.” – Ryan Conley, on the outcome of efforts at work and being a force multiplier Have a journal of the things you do at work that you update consistently. This could be screenshots, a written description, etc. “What are the metrics that you should be tracking? Mentally think about that because…when you have your annual review, you're going to miss something. You're going to miss a detail. You're going to miss an entire line item versus if you started in January and you just get into the practice of ‘I did this.' And then when you're having your first annual review with this brand-new manager, it's far easier to have a more successful conversation.” – Ryan Conley, on the importance of documenting our work in a journal somewhere Ryan reminds us it is ok to use generative AI tools to check our work. Use multiple different tools to get suggestions on how you might want to phrase the outcomes you delivered and the metrics you tracked. Nick says we should document our accomplishments as Ryan mentioned, but we should make sure we keep a copy of them so that we do not need to rewrite them from nothing in the event we are impacted by a layoff. If the journal containing all of your accomplishments is sitting in the corporate OneDrive or cloud storage, you will lose access to it when you leave the company. Be sure you have a disaster recovery plan for your accomplishments! The new boss is probably going to have team calls of some kind. While what you experience may vary from this, in Nick's experience the first time a manager hosts a call with their team they will share some career background, how they operate, and give team members some idea of what to expect. This kickoff team call usually happens before 1-1s begin. Listen really carefully when this first team call happens. Write down some questions you can ask the boss in that first 1-1 conversation. The manager will have to lead that first 1-1 conversation a little bit, but coming into it prepared with questions will be far easier than trying to think of questions in the moment. A simple follow up question Ryan suggests is how the manager wants to handle time off. Is there a shared team calendar, a formal process, carte blanche, specific blackout dates to be aware of, etc.? We can handle the simple things about how this new manager operates and what their values are early on in our working relationship. Ryan tells us he learned far too late to ask how managers handle promotion / raise / career growth conversations. One of Ryan's past managers scheduled a quarterly checkpoint to specifically talk about career growth items. Ryan was in charge of making the agenda in advance, and his manager would come prepared to talk about each agenda item. It's ok to ask for these regular career discussions. If your manager has a large team, these may be less frequent than otherwise. Ask the manager about the best way for both you and them to come into these discussions prepared. Nick likes the idea of an individual owning the agenda for these conversations. Nick tells us about a manager who sent out 1-1s to team members and provided a menu of options for the types of things that could be discussed during the 1-1 time in the body of the meeting invitation. It helps give people ideas for things to discuss but also lets them know the overall intention of the 1-1s. For the very busy manager, we could ask to use a specific 1-1 to talk about career-related items rather than in a separate meeting (if needed). Nick mentions a recent episode of Unicorns in the Breakroom Podcast in which Amy Lewis talks about using a shared document for 1-1s to hold an employee accountable for bringing agenda items and to document what transpired in previous conversations. Along the lines of trying to be helpful to a new manager, ask how they want to handle team calls when on vacation. Will team calls be cancelled when the manager is on vacation, or are they looking for team member volunteers to host these calls? This may be an opportunity to step up and do more if you want that, especially if you want to gain some leadership experience. Ryan tells us at one point he was a team lead, and part of his responsibility was leading team calls in his manager's absence. This involved leading the call, taking notes, and taking action on follow up items from the meeting. We should bring up time sensitive items to the boss quickly, especially if something needs attention. Communicate things that have a financial impact to the company (a subscription renewal, drop dead due date to exit a datacenter facility, point at which access to something will be lost, etc.). Do not assume your manager knows if you are unsure! Ryan recounts a story from earlier in his career when a CFO wanted a specific number of users added to the Exchange server. There were several cascading impacts of completing this task that went well beyond the scope of licensing and involved procuring more hardware. Ryan took the time to explain the implications. “This is a simple ask. You want the answer to be yes, but I'm going to give you more context…. There is a deadline. I want to make sure we hit it as a team, but there are some implications to your ask. I want to make sure you're fully aware.” – Ryan Conley, on giving more context to leadership Share what you have in flight and the priorities of those items. The new manager may want you to change the priority level on some things. 45:21 – Becoming Part of a Different Team You could end up working on a completely different team of peers as a result of organizational change. You might work on the same team as people you already know but might not. You may or may not work for the same boss. Ryan and Nick have experienced very large reorganization events and ended up in different divisions than they were previously. Ryan had a change of manager, change of a peer he worked closely with, and joined a new team of individuals reporting up to the same boss all at once. “A little bit of the tough lesson is you go into a bigger pond…. I think it's ok to take a moment and pause. For me, I had to kind of reassess and kind of figure out…what are these changes? What are the new best ways to operate within this new division so to speak? …within my team, no one on my prior team was on my team, so it was like this whole new world.” – Ryan Conley After this change, Ryan saw an opportunity to go deeper into technology and chose to take a different role. Ryan worked for a new (to Ryan at least) leader who was very supportive of his career goals. This leader helped Ryan through the change of roles. “If you do good work, even through change…if you're identifying gaps, you're filling it, you're stepping up where the team needs you to step up, you're aligning with the business direction to stay focused…I think there can still be good outcomes even if in the interim period you're not 100% happy.” – Ryan Conley If you don't know anyone on your new team, you have an entire set of people from which you can now learn. Does your job function change as a result of joining this new team? Make sure you understand your role and its delineation from other roles. Maybe you serve larger customers or work on different kinds of projects. Maybe you support the technology needs of a specific business unit rather than what we might deem as working in corporate IT. Maybe you focus on storage and high-level architecture rather than only virtualization. It could be a chance to learn and go deeper in new areas. Did the focus of the overall team change (which can trickle down and impact your job function)? Maybe you're part of a technology team that primarily manages the outsourced pieces of the technology stack for your company. So instead of working with just employees of your company you now work with consulting firms and external vendors. Ryan says we can still be intentional about relationships and he illustrates the necessary intentionality with the story behind his pursuit of a new role. Ryan was intentional about his desire to join a new team after the reorganization, but it didn't work out on the timeline he wanted. He remained patient and in constant, transparent communication with a specific leader who would eventually advocate for him with the hiring manager. Just doing our job can be difficult when we're in a challenging situation like a manager we do not get along with, trying to evolve with a top-level strategy change, etc. This can involve internal politics. Stay the course. Ryan tells us about a lesson he learned when interviewing for a new role he wanted. “Maybe be a little bit more vocal. Pat yourself on the back in a concise way. Again…go back to your journal, know your metrics, and stick by them.” – Ryan Conley, on interviewing and humility Nick says the intentionality behind building relationships applies to your relationship with your boss (a new boss or your current boss that has not changed). This also applies to new teammates! What are the strengths in the people you see around you? Who volunteers to help? Who asks questions when others will not? Ryan shares a story about 2 peers who on the surface seemed to disagree a lot but ended up making each other better (and smarter) by often taking opposing sides on a topic. When one of them left the company, the other person missed getting that perspective and intellectual challenge. Ryan suggests we pay attention to the personalities of team members and the kinds of questions they ask. If a specific teammate tends to do all the talking in meetings, find ways to enable others to speak up who have valuable perspectives but may be quieter. This at its heart is about upleveling others. We can do that when we join a new team, but we can also do this for former teammates by keeping in touch with them over time. This could apply to former teammates who still work at the same company as well as those who have left the company. Ryan tells us a story about when he first made the transition from working in IT operations to getting hired at a technology vendor in a very different role. “It's very different being face-to-face as a consultant, face-to-face as a vendor. And I had a buddy. He started going back 11 years almost to the day here. We were each other's lifeline…. He would have a bad day, and he would call me. Most of the time I was just there to listen…. And then the next week it was my turn, and I would call him…. So having a buddy in these change situations I think is a great piece of advice.” – Ryan Conley It can be easy to fall out of touch with people we no longer interact with on a daily or weekly basis. This takes some effort. We've met people who try to setup a 1-1 with someone in their professional network once every 1-2 weeks. Ryan has a tremendous amount of empathy for others who have recently had a child, for example. We can buddy up with specific professional or life experience and take the opportunity to learn from them. Ryan refers to building an “alumni network” of people you want to remain close with over time. While this helps build our own set of professional connections, we can do this by mentoring others as well (a chance to give back, which is usually much less of a time commitment than we think). Ryan has mentored a number of new college graduates and managed to keep up with their progress over time. Listen to the way he describes the career progression of his mentees and the long-term relationships it produced. We might be mentoring others (on our own team or beyond). This could act as relatable experience for a future role as a team lead or people manager, but highlighting this experience to your manager is something you should do in those career conversations. In those 1-1s with your manager you are asking how you are doing but also how you can do better. Sometimes that means doing more of something you have done in the past. Ryan reminds us that the journal is a tracking mechanism for specific actions and their impact. Whether it's mentoring or helping the manager with hiring or candidate evaluation, be sure to track it! There might be a gap in expertise on your team that you can fill (either because you have a specific skill or because you learned a new skill to fill that gap). When joining a new team, do some observing and stay humble before you declare there is a gap and that you are the one to fill it. Ryan says we can raise gaps with our manager. For example, maybe there is only one person on the team who knows how to do something. Could you pair with that person and cover them while they are on vacation? “I think it goes back to recognizing that you cannot learn it all and then revaluating…what do I need to learn? So, there's certain functions that you have to know how to do, and that's where your manager's going to help you set those expectations…. We're in technology, so as a technologist, what do you want to learn? What do you want to do more of? And that could be a gap that you see, and you have that conversation….” – Ryan Conley If there is not an opportunity at work to learn what you want to learn (i.e. your manager might not support you doing more of specific work, etc.), you can learn it on your own time and then re-evaluate longer term what you want to do. 59:46 – Shifting Job Roles or Job Level Changes We talked about this a little bit earlier. Maybe you stay an individual contributor, move into leadership, or change leadership levels entirely within an organization. Ryan talks about the new expectations when you change your daily role. There are expectations we put on ourselves and those expectations put on us by our leaders. There are both opportunities and challenges. Ryan shares that he has been approached in the past to lead a team, but when this has happened, he took the time to think through what he wanted (his career ladder, his motivations, and his desired focus). “Leading people is not something that I want to currently focus on. I know what I'm motivated by. I'm a technologist at heart. I want to keep learning, and I personally like the technology that I'm focused on right now. And it's not that leadership would necessarily remove technology entirely…. It's just it would be a different focus area. And I think in your career journey it's worth just kind of keeping tabs on where you're at in your career (the ladder of change that we keep mentioning, that lifecycle)…. Do you want to go up the ladder as part of your lifecycle and get into a management role? I think mentorship can be very fulfilling. I think leading people can be very fulfilling. But in my case, I've decided I still want to stay an individual contributor. There's still aspirations that I have there….It's ok to say no is really what I'm getting at…. Really think about the job that you're in at the company that you're in. What are the opportunities within? What motivates you? And stay true to that.” – Ryan Conley Ryan has said no to being a people leader as well as to technical marketing roles. He had a desire to get through the principal program. He encourages listeners to think about whether they would be happy in 1-2 years if they took a new role before making the final decision. Nick mentions the above is excellent when you have the choice to take a new role. But what if it's forced on you as the result of an organizational change? We can recognize where we are in the career lifecycle even if an organizational change places us in a new role that was not our choice. Make sure you understand what the new role is, and think about how you can align it with where you are in the career lifecycle (including the goals you have and the things you want). Nick had a manager who encouraged his team to align their overall life purpose to the current job role or assignment. In doing this, it will be easier to prevent intertwining your identity with your job or your company. We may have to put out heads down and just do the work for a while. But maybe there is an opportunity to align with the things you want and the type of work you want to do which is not immediately obvious. In this job market, if you are employed, be thankful and do a great job. Ryan hopes listeners can think back to an unexpected change that happened which led to new opportunities later. “Pause, recollect, align your focus with your new manager, align your focus with either the changing mission statement or the current mission statement…. What is fulfilling you personally (your own internal values)? If they are being conflicted, I think there's a greater answer to some of your challenges, but they're not being conflicted how can you be your best self in a company without the company being all of yourself? …The cultural identity of the workplace and the home can sometimes be a little too close, a little to intertwined…. Maybe you're just way too emotionally invested in your day job and it's just a good moment to reset…. What is your value system? Why? And then how can you be your best self in your workplace? And I think far too often we want to have our dream job…. ‘A dream job is still a job. There are going to be days when it is just a really difficult day because it's a really difficult job. It's still your dream job, but every job is going to have a difficult day.'” – Ryan Conley Every job will be impacted by some kind of organizational change multiple times throughout your career. 1:06:18 – Parting Thoughts Ryan closes with a funny anecdote about a person who worked on the same team as him that he never had the chance to meet in person. In this case, the person invested more in their former team than meeting members of their new team. Maybe a good interview question for those seeking new roles could be something about organizational changes and how often they are happening at the company. Ryan encourages us to lead with empathy in this job market and consider how we can help others in our network who may be seeking new roles. Ryan likes to share job alerts on LinkedIn and mentions it has been great to see the formation of alumni groups. “Share your rolodex. Help people connect the dots. And lead with empathy.” – Ryan Conley To follow up on this conversation with Ryan, contact him on LinkedIn. Mentioned in the Outro A special thanks to former guest Daniel Lemire and listener Megan Wills for sharing thoughts on organizational change that we were able to include in this episode! Ryan told us we can lead with empathy when helping others looking for work in this job market, but Nick thinks it's empathy at work when we're asking a new boss or team member how we can help. If you want to bring more empathy to the workplace, check out Episode 278 – Uncovering Empathy: The Greatest Skill of an Inclusive Leader with Marni Coffey (1/3) in which guest Marni Coffey tells us about empathy as her greatest skill. It's full of excellent examples. If you're looking for other guest experiences with organizational change, here are some recommended episodes: Episode 210 – A Collection of Ambiguous Experiments with Shailvi Wakhlu (1/2) – Shailvi talks about a forced change of role that was actually an opportunity in disguise Episode 168 – Hired and Acquired with Mike Wood (1/2) – Mike Wood's company was acquired, and the amount of travel went up soon after to increase his stress. Episode 169 – A Thoughtful Personal Sabbatical with Mike Wood (2/2) – Mike Wood shares another acquisition story that this time ended with him taking a sabbatical. Episode 84 -Management Interviews and Transitions with Brad Pinkston – Brad Pinkston shares what he likes to do when working for a new boss. Contact the Hosts The hosts of Nerd Journey are John White and Nick Korte. E-mail: nerdjourneypodcast@gmail.com DM us on Twitter/X @NerdJourney Connect with John on LinkedIn or DM him on Twitter/X @vJourneyman Connect with Nick on LinkedIn or DM him on Twitter/X @NetworkNerd_ Leave a Comment on Your Favorite Episode on YouTube If you've been impacted by a layoff or need advice, check out our Layoff Resources Page. If uncertainty is getting to you, check out or Career Uncertainty Action Guide with a checklist of actions to take control during uncertain periods and AI prompts to help you think through topics like navigating a recent layoff, financial planning, or managing your mindset and being overwhelmed.

“Worldwide Exchange” delivers essential, actionable information and analysis for anyone who wants to be part of the global business conversation. CNBC Anchor Frank Holland takes listeners through top business stories with global significance. Features conversations with key leaders, analysis of business and investor trends, and impact across international markets. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

with Damion Chaplin. Monday at 9:30pm ET

Challenging minds, sustainable solutions, global perspective. What happens when two students from the United Kingdom get an opportunity to study abroad at an American community college? ACCT Vice President of Membership and Educational Services, Robin Matross Helms, debriefs with two students who recently took part in the association's US-UK Community College and Technical Education Exchange program.

In this episode, host Brian Crain is joined by Gracy Chen, CEO of Bitget, to discuss the exchange's rapid ascent and its ambitious roadmap for 2026. Gracy shares her journey from a mathematics background and journalism into the C-suite of a top-tier exchange, detailing Bitget's growth from a team of 150 to over 2,200 employees. She outlines the concept of the "Universal Exchange" (UEX) a unified platform where the boundaries between crypto, tokenized equities, and commodities effectively disappear.They explore how Bitget is leveraging Generative Engine Optimization (GEO) and AI-driven advisory tools like Get Agent to redefine user acquisition and trading intelligence. Gracy also provides a candid outlook on the "altcoin fading" phenomenon, arguing that the market is shifting toward blue-chip assets and real-world utility. Finally, they discuss the immense challenges of global regulatory compliance, including Bitget's priorities for securing MiCA licenses and navigating a potential entry into the complex US market.Topics - 00:00 Intro & Crypto Beginnings - 05:45 The Origin of Bitget - 10:15 The "Universal Exchange" (UEX) Vision - 16:30 Tokenized Stocks vs. TradFi Brokers - 22:00 Competition: CEX, DEX, & Robinhood - 28:15 AI in Trading: Get Agent & GEO - 34:40 The State of Altcoins in 2026 - 41:00 Global Compliance: MiCA & US Markets - 55:30 2026 Market PredictionsLinks - Gracy Chen on X: https://x.com/GracyBitget - Bitget: https://www.bitget.com/ - Bitget Wallet: https://web3.bitget.com/ - Gnosis: https://gnosis.io/Sponsors: Gnosis: Gnosis has been building core decentralized infrastructure for the Ethereum ecosystem since 2015. With the launch of Gnosis Pay last year, we introduced the world's first Decentralized Payment Network. Start leveraging its power today at http://gnosis.io

“Worldwide Exchange” delivers essential, actionable information and analysis for anyone who wants to be part of the global business conversation. CNBC Anchor Frank Holland takes listeners through top business stories with global significance. Features conversations with key leaders, analysis of business and investor trends, and impact across international markets. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Get ready for today's episode because I got to talk with the awesome Dr. Paul Savage, founder of MD Lifespan! And we explore a treatment most people have never heard of, Therapeutic Plasma Exchange (TPE), and why it's becoming part of the conversation around chronic illness and environmental exposure.Many people dealing with conditions like mold toxicity, Lyme disease, autoimmune illness, and chronic inflammation are doing everything “right,” yet still struggling. One of the biggest missing pieces is often ongoing environmental toxin exposure and the body's inability to clear that load effectively.Dr. Savage explains how environmental toxins and biotoxins accumulate in the bloodstream, how this can drive persistent symptoms, and why we're now seeing measurable neurotoxins even in newborns. The conversation breaks down the science behind TPE, how it works to remove inflammatory and toxic components from plasma, and where it may fit into a broader healing strategy.This episode is all about understanding why some bodies stay stuck and how addressing environmental load may change the equation.Want to learn more about Dr. Paul Savage? Click here!00:59 The Chronic Illness Journey and Environmental Exposure02:03 Introducing Dr. Paul Savage and MD Lifespan04:25 The Rise of Environmental Toxins08:14 Understanding Therapeutic Plasma Exchange (TPE)16:10 The Impact of Toxins on Health24:06 Detox Protocols and Supplements25:16 Collaborations and Scientific Advisors26:13 Three-Phase Protocol Explained27:20 Understanding Toxin Testing29:59 Challenges in Preventative Healthcare33:16 Cancer Protocol and Microenvironment Cleanup34:09 Logistics and Locations37:35 Cost and Financing of TPE41:16 Patient Experiences and Testimonials44:41 Conclusion and Final ThoughtsIG: @MoldFindersNot sure the best way to get started? Follow these simple steps to hit the ground running…Step 1: Subscribe To Our Podcast!Step 2: Want a Test More Advanced Than ERMI? www.TheDustTest.com⁠Step 3: Already Have An ERMI? Find Out What It Actually Means. ⁠⁠www.ErmiCode.com⁠Step 4: Text Me (yes, it's really me!) The Mold Phone: 949-528-8704Step 5: Book A FREE Consultation www.yesweinspect.com/call

“Worldwide Exchange” delivers essential, actionable information and analysis for anyone who wants to be part of the global business conversation. CNBC Anchor Frank Holland takes listeners through top business stories with global significance. Features conversations with key leaders, analysis of business and investor trends, and impact across international markets. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

https://thecincinnatiexchange.com/ See omnystudio.com/listener for privacy information.

Chinese President Xi Jinping has sent a congratulatory letter for the 2026 China–Africa People-to-People Exchanges Year as FM Wang Yi met Ethiopian and AU leaders to discuss deeper cooperation.

Microsoft has announced significant changes to its Teams platform, set to take effect on January 12, 2026. The platform will automatically enhance messaging security by blocking risky files and scanning shared links for potential phishing threats. This proactive measure aims to protect organizations, particularly smaller ones without dedicated security teams, from increasingly sophisticated cyber threats. IT administrators will have the opportunity to review and adjust these settings prior to implementation, ensuring a smoother transition to the new security measures.In addition to the Teams update, Microsoft has decided to retract its previously announced limit on bulk email recipients for Exchange Online, following customer feedback indicating that such restrictions would create operational challenges. The company will maintain existing limits while seeking less disruptive solutions to enhance email security. Furthermore, Microsoft has acquired the startup Osmos to bolster its Microsoft Fabric platform with autonomous data engineering capabilities, aiming to automate data preparation and reduce the manual workload for IT teams.The episode also highlights the rapid growth of Ninja One, which reported a 70% year-over-year increase in annual recurring revenue, surpassing $500 million. This growth positions Ninja One as a strong competitor in the remote monitoring and management market, particularly as managed service providers (MSPs) seek to consolidate tools to improve operational efficiency. The discussion emphasizes the importance of accountability and risk management as MSPs navigate the complexities of tool consolidation and automation.For MSPs and IT service leaders, these developments underscore the need for clear communication and governance in the face of increasing automation and vendor-driven changes. As Microsoft centralizes control over security and data management, MSPs must adapt by managing client expectations and pricing for the support burden that comes with these automated solutions. The evolving landscape necessitates a proactive approach to risk management, ensuring that MSPs are prepared to address client concerns and operational challenges effectively. Four things to know today 00:00 CompTIA Signals Confidence for 2026 as NinjaOne's Growth Highlights MSP Push to Simplify Operations05:12 Microsoft Tightens Defaults and Expands Automation Across Teams, Exchange, and Fabric09:22 Dell Reverses Course on Laptop Branding, Reintroducing XPS to Reduce Confusion and Reset Its AI PC Strategy11:53 Artificial Analysis Overhauls AI Benchmarks to Focus on Real-World Work, Lowering Scores and Raising Enterprise Expectations This is the Business of Tech.     Supported by:  https://timezest.com/mspradio/https://scalepad.com/dave/

Join us for the first of our 2025 year end best-of lists with special guest Hollywood Paul Lewis! This episode focuses on DC Comics' outstanding 2025. We also discuss the new trailers for Avengers: Doomsday, blind bag controversies and more on your friendly neighborhood podcast!

Foreign exchange student Diren Dede's dream to study in America came true when he started his junior year at a Montana high school. When he takes a midnight walk with a friend, a Saturday night turns into a tragedy. Josh Mankiewicz reports.  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

We'd love to hear from you! Send us a text!Joan Piot, recent guest on ON PURPOSE, passed away December 2, 2025.  After attending her memorial service, something stirred in Elizabeth. Joan's impact wasn't in what she achieved; it was in HOW SHE LIVED. As we enter 2026, instead of asking “what can I accomplish this year?”, what if we asked…”What do I want to last?” In honor of Joan's remarkable 96 years of living on purpose, please take a moment to listen.Elizabeth Pehrson created The Exchange in 2015. The Exchange is a monthly event for ALL adult women. Women who work outside the home. And women who work in the home. Women who are single. And women who are married. Women who are moms. Women who are grand-moms. No matter what season of life you are in, The Exchange is here to inspire you to live life ON PURPOSE and WITH INTENTION.The Exchange is a non-profit that provides an environment for women to hear practical advice from topics Elizabeth has read and life lessons she has learned, and is currently learning. Equipping us to become better women tomorrow than we are today. And to ultimately use that to pour back into those around us. Tickets and info: theexchangeus.orgfollow us on instagram: theexchangeusfollow us on Facebook: the exchange cumming

“Worldwide Exchange” delivers essential, actionable information and analysis for anyone who wants to be part of the global business conversation. CNBC Anchor Frank Holland takes listeners through top business stories with global significance. Features conversations with key leaders, analysis of business and investor trends, and impact across international markets. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Thank you for joining us at NorthRidge Church! For more information please visit us online at http://www.northridgethomaston.com.

In this compilation program, Justin Klein and Luke Guerrero field a variety of finance and investment questions from callers across the United States and around the World.Today's Stocks & Topics: Strategy for a Potential Recession, Silver, I-R-A Rollover, Sitting on Cash, Earnings Forecast, Pros and Cons of 351 Exchange, Short-Term Rental Market, Cash Balance Plan, Retirement Saving Plans, How to Invest in the Bond Market, Dividend Reinvestment Plan, Retirement Accounts, Gains and Taxes, Financial Ratios.Our Sponsors:* Check out ClickUp and use my code INVEST for a great deal: https://www.clickup.com* Check out Incogni: https://incogni.com/investtalk* Check out Invest529: https://www.invest529.com* Check out NordProtect: https://nordprotect.com/investalk* Check out Progressive: https://www.progressive.com* Check out Quince: https://quince.com/INVEST* Check out TruDiagnostic and use my code INVEST for a great deal: https://www.trudiagnostic.comAdvertising Inquiries: https://redcircle.com/brands