Podcasts about exchange commission

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WSJ Minute Briefing
Canada Announces New Retaliatory Tariffs on U.S. Imports

WSJ Minute Briefing

Play Episode Listen Later Aug 25, 2026 1:52


Plus: the Securities and Exchange Commission is investigating AI-focused hedge fund Situational Awareness. And an oil tanker in the Strait of Hormuz was struck overnight. Pierre Bienaimé hosts. Sign up for WSJ's free What's News newsletter. An artificial-intelligence tool assisted in the making of this episode by creating summaries that were based on Wall Street Journal reporting and reviewed and adapted by an editor. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Why Invest?
Sean Peche: Founder and Lead Portfolio Manager of Ranmore Fund Management

Why Invest?

Play Episode Listen Later Aug 25, 2026 50:40


In this episode of the W1M Why Invest? podcast, Luke Hyde-Smith is joined by Sean Peche, Founder and Lead Portfolio Manager of Ranmore Fund Management. Sean discusses the principles behind his global value investing approach, explaining how the team seeks out overlooked opportunities around the world rather than following market trends or popular narratives.The conversation explores the behavioural biases that can influence investment decisions, the opportunities created by passive investing and why Sean remains focused on valuation, discipline and downside protection. He also shares lessons from building Ranmore during the financial crisis, his views on AI-related stocks and the importance of focusing on "numbers, not narratives" when making investment decisions.If you would like further information about anything discussed in this episode, please do get in touch: whyinvest@w1m.com.Key takeawaysValue can often be found where others are not looking. A flexible global approach allows investors to seek opportunities in markets and companies that have fallen out of favour.Investment success depends as much on discipline as stock selection. Managing risk, controlling emotions and being willing to admit mistakes are critical to long-term returns.Price matters. Even great businesses can be poor investments if purchased at the wrong valuation, which is why Sean focuses on fundamentals and cash flows rather than market narratives This podcast is issued by W1M Wealth Management Limited which is authorised and regulated by both by the Financial Conduct Authority of 12 Endeavour Square, London E20 1JN, with firm reference number 120776 and the U.S. Securities and Exchange Commission of 100 F Street, NE Washington, DC 20549, with firm reference number 801-63787. Registered in England and Wales, Company Number 02080604.The information provided in this podcast is for information purposes only and W1M Wealth Management Limited does not accept liability for any loss or damage which may arise directly or indirectly out of use or reliance by the client, or anyone else, on the information contained in this recording. This podcast should be used as a guide only is based on our current views of markets and is subject to change.The information provided does not constitute advice and it should not be relied on as such. It should not be considered a solicitation to buy or an offer to sell a security. It does not take into account any investor's particular wealth management or investment objectives, strategies, tax status or investment horizon.All materials have been obtained from sources believed to be reliable, but its accuracy is not guaranteed. There is no representation or warranty as to the current accuracy of, nor liability for, decisions based on such information. Hosted on Acast. See acast.com/privacy for more information.

Business Pants
L3Harris' misconduct problem, Mark's bad week, the SEC quits SEC'ing

Business Pants

Play Episode Listen Later Aug 21, 2026 57:17


Story of the Week (DR):L3Harris ousts CEO after investigation into conduct MML3Harris Technologies, the company that overhauled a Qatari plane now used as Air Force One, has replaced Christopher Kubasik as chairman and chief executive after an investigation determined he violated the defense contractor's code of conduct.Kubasik's alleged conduct didn't involve and has no impact on the Melbourne, Fla., company's financial reporting, controls, customer relationships or operational performance, L3Harris said Monday.The company didn't give details on when it received a report of the potential violation. With the aid of independent counsel, the board determined that Kubasik's removal would be in the company's best interest, L3Harris said. He will be allowed to retain and exercise some previously vested stock options but won't receive severance payments, benefits or accelerated stock-based awards.L3Harris Technologies Appoints Sam Mehta, Proven Aerospace and Defense Executive, as President and Chief Executive Officer“The Board determined that the Executive engaged in conduct that was not consistent with the values of the Company as outlined in its Code of Conduct.”Kubasik will still hold onto some of his options that can net him stock worth about $23 million, as well as more than 200,000 shares of stock in L3Harris that he already owns, valued at nearly $57 million. L3Harris has paid Kubasik compensation valued at $66.3 million during the past three years, including $25.6 million in fiscal 2025.The separation disclosure says the L3Harris board decided to reach a deal with Kubasik to get him to leave rather than trying to fire him for cause. Kubasik did not admit to any violation of the company code of conduct, and the deal expressively forbids any of the parties or their representatives from making public statements “inconsistent” with Monday's disclosure.AND THIS:Women at L3Harris Shared Concerns About CEO's Behavior Years Before OusterIt was a warning that was shared among women who worked for Chris Kubasik: Avoid being alone with the executive and be careful on the corporate jet.Multiple women at defense contractor L3Harris Technologies LHX had raised concerns about Kubasik's behavior, including a formal complaint from one woman to human resources that was made around 2023, according to people familiar with the matter. The employee accused the CEO of sexual harassment, the people said.Kubasik stayed on in his role. The woman left L3Harris. Not all L3Harris board members were briefed on the 2023 complaint and it is unclearOusted L3Harris CEO was previously forced out of Lockheed Martin jobChristopher Kubasik's ouster as the L3Harris CEO was not the first time he was forced out of a company amid an allegation of misconduct.In 2012, Kubasik was set to become the CEO of Lockheed Martin when he was forced to resign after an ethics investigation confirmed that he had a close personal relationship with a subordinate employee.Why Do Boards Keep Giving Misbehaving CEOs Second Chances?L3Harris Technologies' LHX chief executive is out because of misconduct allegations, and it isn't the first time: More than a decade ago, Christopher Kubasik resigned from Lockheed Martin because he was accused of having a relationship with a subordinate.The Crucial Moment That Companies Miss After They Oust a CEOIt matters how a company responds to a scandal once it's caught in one, most blow the moment by choosing secrecy over transparency. It's an opportunity to reset the culture that led to the breach in the first place, but instead “your PR team and your legal team tell you ‘Don't dig into these things—it's not good for the company,' so you silence all the debates.”.Meta faces a $1.4 trillion threat that could mean ‘turning in the keys and walking away'—but the stakes of the case reach across techThe trial involves a coalition of 29 state attorneys general in a unified case against Meta that was brought in 2023, and will be argued by lawyers representing California, Colorado, New Jersey and Kentucky. The stakes are enormous as leading government officials across the country push for Meta to be held accountable for allegedly violating federal and state laws, including the Children's Online Privacy Protection Act, or COPPA, and various consumer protection statutes.States accuse Meta of targeting children for Facebook, Instagram addiction: 'The young ones are the best ones'Meta whistleblower told jury the company took a 'don't ask, don't tell' approach to kids' safety‘Harvest their data and hide the truth from the public': Four states seek billions from Meta over child safety practicesSEC says it will stop responding to no-action requests ‘entirely'The Securities and Exchange Commission plans to stop responding to no-action requests “entirely … effective immediately,” the agency said in a statement Friday.The decision comes after the SEC sat out the bulk of the no-action process during the 2025-26 proxy season. Investor advocates have since sued the agency, alleging the change violates the Administrative Procedure Act.AI data center outrage is showing up everywhere from ads to electionsAI data center outrage is showing up everywhere from ads to electionsGOP Begs AI Firms to Fix Data Centers' “Toxic Brand” to Help Midterm Chances As A.I. Data Centers Spread, Pressure Mounts to Share ProfitsThe Data Center Industry's PR Blitz Is BackfiringData center backlash echoes fossil-fuel politicsMajor data center bills advance in California despite industry pushbackThe ‘Country Hicks' Who Refused $26 Million from an AI Data Center Bad news for Jason Kelce: Postal Service rules say you shouldn't mail pee to data centersPoliticians Who Once Championed Data Centers Are Now Bashing ThemPennsylvania Gov. Josh Shapiro cracks down on data centers, says speculators are 'scaring our communities'Data centers are using more electricity than anyone predicted. What happens next?Trump oblivious to voter fury about data centers, saying ‘the jobs are enormous and the money paid, the taxes paid, are just enormous'Politicians Turn Against Data Centers as Anger Over AI SpreadsAmazon is buying rare books and destroying them to train its AI modelsThe team's logo features a dinosaur holding a book.Data center hysteria is the new woke | OpinionBring back the corporate death penaltyMore formally known as judicial dissolution, the corporate death penalty basically happens when the government is so pissed off by the corruption or damage a corporation causes that it yanks away their charter.Andreessen Horowitz Focus of DOJ Probe Over Board DirectorsVenture capital firm Andreessen Horowitz is the focus of a Justice Department antitrust probe over whether its investment partners are improperly serving on the boards of competing artificial intelligence companies, according to people familiar with the matter.The companies at issue include Databricks Inc., one of the most valuable privately held technology companies in the world, and Fivetran Inc., both backed by the VC firm, according to the people, who asked not to be named discussing a confidential matter. Andreessen Horowitz co-founder Ben Horowitz serves on the board of Databricks, and partner Martin Casado is a board member of Fivetran. Both companies help businesses collect, organize and analyze massive troves of data.Goodliest of the Week (MM/DR):MacKenzie Scott gave California public education $461 million—and let the recipients decide how to spend every dollarMM: Andreessen Horowitz Focus of DOJ Probe Over Board Directors DRAssholiest of the Week (MM):Bill Brown and Robert Millard DRNever accountable for anything directorsL3Harris ousts CEO after investigation into conductHistory lesson:Kubasik hired in 2015 after Lockheed disaster firing, hired as COO and PresidentPresiding CEO: Michael Strianese, Chair from 2008, CEO from 2006Board: Claude Canizares (71, MIT physics professor, 2003)Thomas Corcoran (72, Carlyle, consulting, 1997)Ann Dunwoody (64, only woman, US Army Gen, 2013)Lewis Kramer (69, EY accountant, 2009)Robert Millard (66, MIT Chair, Lehman until 2008 collapse, LID, 1997)Lloyd Newton (74, only PoC - token black guy - US Air Force General, 2012)Vincent Pagano, Jr (66, lawyer, Simpson Thacher, chair of nom, 2013)Hugh Shelton (75, US Army Gen, 2011), Arthure Simon (85, accountant, 2001)8 white men, 1 woman, 1 black dude2018, Kubasik named CEO of L3 TechnologiesMichael Strianese retires and Kubasik takes overSame exact board minus Strianese2019, L3 and Harris merge to be L3HarrisKubasik added to L3Harris board, named COO and President of the company under Bill Brown, CEO and ChairSurviving the board merger:Thomas CorcoranRobert Millard - LID, nom memberLloyd Newton - chair of nomLewis KramerAdjacent - Roger Fradin of Carlyle on board, Corcoran also of CarlyleJune 2021, Kubasik becomes CEO and Bill Brown moves to exec chair (obviously)Board:Sallie BaileyBill BrownPeter ChiarelliThomas CorcoranThomas Dattilo (nom) - ex tire CEORober GradinHarry HarrisLewis Hay III (nom) - lawyer, ex CEo of NextEraLewis KramerRita LanRobert Millard (nom) - MIT Chair, LehmanLloyd Newton (nom chair) - generalSo given that the CEOs choose their successors, the nom committees approve them, the rest of the board rubber stamps it… we can thank:Michael Strianese - hires Kubasik, names him CEO at L3, despite Lockheed problemsNom approval: Ann Dunwoody (64, only woman, US Army Gen, 2013), Vincent Pagano, Jr (66, lawyer, Simpson Thacher, chair of nom, 2013), Hugh Shelton (75, US Army Gen, 2011) - a nom committee composed of the ONLY woman, two generals and a lawyer - all of whom are the LOWEST TENURED ON THE BOARD at the timeThen Bill Brown - names Kubasik CEO of combined L3Harris, one year of babysitting as exec chairNom approval: Thomas Dattilo (nom) - ex tire CEO, Robert Millard (nom) - MIT Chair, Lehman, Lloyd Newton (nom chair) - generalFamiliar names: Millard and Newton - see Kubasik all the way throughAnd the CEOs and directors can keep failing… Bill Brown on the Becton Dickinson boardRobert Millard on the Green Dot Corp (nom!), iHeartMedia, Evercore (nom!) boardsBrought on to iHeart board just 3 years after an exec there went on a racial slur rant, the company was sued for gender and wage discrimination, and a radio host of the companies were accused of severe harassment - not sure what will change?Dario Amodei“Public benefit corporation” Anthropic: Anthropic Prepares Supervoting Power for Founders as it Readies for Mega-IPOBoard: Dario Amodei, Daniela Amodei (President, Dario's sister), Yasmin Razavi (VC, crypto and prediction market investor), Reed Hastings (Netflix), Chris Liddell (ex Trump WH Deputy Secretary), and Vas Narasimhan (Novartis) - zero “public benefit” (or even public safety) peoplePublic Benefit Corporation: “A benefit corporation's directors and officers operate the business with the same authority and behavior as in a traditional corporation, but are required to consider the impact of their decisions not only on shareholders but also on employees, customers, the community, and the local and global environment”What is the impact of supervoting shares? AI on society? AI on the environment? Who on this board is even remotely qualified to answer those questions?Paul AtkinsExhausting and perpetual gaslightingSEC says it will stop responding to no-action requests ‘entirely'In order to focus Division resources on the review of Securities Act and Exchange Act filings, including those reviews that are statutorily required, for the protection of investors and facilitation of capital formation, and in light of the extensive body of guidance from the Commission and the staff available to both companies and proponents on Rule 14a-8, the Division has determined to discontinue responding to Rule 14a-8 no-action requests entirely, including those submitted under Rule 14a-8(i)(1),[2] effective immediately, unless and until the Division announces otherwise. It also will no longer respond to notices filed under Rule 14a-8(j) with a letter indicating that it will not object if a company omits a proposal from its proxy materials.From the 1934 House Report about the importance of Rule 14a-8: “Fair corporate suffrage is an important right that should attach to every equity security bought on a public exchange.”“Managements of properties owned by the investing public should not be permitted to perpetuate themselves by the misuse of corporate proxies. Insiders having little or no substantial interest in the properties they manage have often retained their control without an adequate disclosure of their interest and without an adequate explanation of the management policies they intend to pursue. Insiders have at times solicited proxies without fairly informing the stockholders of the purposes for which the proxies are to be used and have used such proxies to take from the stockholders for their own selfish advantage valuable property rights. Inasmuch as only the exchanges make it possible for securities to be widely distributed among the investing public, it follows as a corollary that the use of the exchanges should involve a corresponding duty of according to shareholders fair suffrage. For this reason the proposed bill gives the . . . Commission power to control the conditions under which proxies may be solicited with a view to preventing the recurrence of abuses which have frustrated the free exercise of the voting rights of stockholders.Investors Slam SEC Plan to Remove Best-Price RuleAtkins also is listening to the crypto bros who want to offer “tokenized securities” off exchanges and is hoping to eliminate a really basic rule that says “investors are entitled to the best price available for stocks they buy”Separately, DOJ Withdraws Antitrust Guidance for Proxy Advisory Industry - no antitrust protections for ISS (good!) but still can't do anything about the socialist NFL, MLB, NHL, NBA (bad!)Headliniest of the WeekDR: Popular breakfast chain closes half its restaurantsDR: The man leading Trump's RTO charge for government workers says he filmed a video in front of a blank wall to avoid work-from-home suspicionOffice of Personnel Management (OPM) Director Scott Kupor, the key driver of President Donald Trump's return-to-office agenda, admitted in a hot mic moment that he intentionally filmed a video in front of a blank wall while he was working from home so he wouldn't get blowback over working at home.“I was in my bedroom, but I was trying to find—because I knew someone was going to give me shit if like, they knew, ‘You were out of the office.' …I was trying to find something that was not recognizable as being in my house, basically. So I was just trying to find a plain corner with a white wall, which was not that easy to find.”Kupor was the first employee hired by Andreessen and Horowitz's venture capital firm, Andreessen Horowitz.MM: Flock Says It's “Taking a Break” From Responding to Media RequestsMM: Eric Schmidt is selling his superyachtWho is this headline for? Billionaire yacht buyers? Poor people who hate billionaires with yachts?Who Won the Week?DR: The women at L3Harris Shared Concerns About CEO's Behavior Years Before OusterMM: Joshua Ramer, the CEO at PeopleReturn (one of the last vestiges of diversity data in the US), whose newsletter today did the most Free Float thing I've seen anyone other than us do: they tracked a single Getty Image across SIX different company reportsThe image was called 1325876463 “Young Boy Leaping Into Father Arms In Playground”, mostly for sustainability reports because it's brown peopleThey found it in Danaher, Crown Castle, TD, Capital One, CSL Plasma, and Toyota EuropePredictionsDR: The meritocro-mano-sphere-o hires Christopher Kubasik again without any push back from anything or anyoneMM: We decide that, since everyone is trying to make companies immune from climate change lawsuits, that we just make CEOs personally immune for any behavior

Galaxy Brains
Bitcoin Rips as Dollar Dips with Beimnet Abebe

Galaxy Brains

Play Episode Listen Later Aug 20, 2026 24:56


Alex Thorn and Beimnet Abebe (Galaxy Trading) about the Treasury's expanded bond buyback program, whether yield curve control is happening, and what it means for hard money assets like bitcoin. Alex and Beim also discuss whether BTC has bottomed and whether a bull market is finally ready to resume. Past performance is not indicative of future results.   Participants, along with Galaxy Digital, hold a financial interest in Bitcoin (BTC). Galaxy regularly engages in buying and selling BTC, including hedging transactions, for its own proprietary accounts and on behalf of its counterparties. Galaxy also provides services to vehicles that invest in BTC.  If the value of such assets increases, those vehicles may benefit, and Galaxy's service fees may increase accordingly. The valuation in this communication is based on technical, fundamental, and market analysis and not on any formal valuation method. For more information, please refer to Galaxy's public filings and statements. Cryptocurrencies, including BTC, are inherently volatile and risky and ultimate market movements may not align with this statement.   For additional risks related to digital assets, please refer to the risk factors contained in filings Galaxy Digital Inc. makes with the Securities and Exchange Commission (the “SEC”) from time to time, including its Quarterly Report on Form 10-Q, available at www.sec.gov.

Best In Wealth - Best Practices for Real People, Investments, Retirement Planning, Money Management, Wealth Building, Financi

Most of us equate a satisfying retirement with achieving a specific savings goal. We dream of the day when the work alarm clock is silenced, the 401(k) is plump, and we can finally enjoy life on our terms. But recent research challenges this traditional thinking, revealing that while money matters, it's far from the only factor—sometimes not even the most important one. Why Half of Retirees Aren't Truly HappyOnly about half of retirees say their retirement is “very satisfying,” with most others falling into the “moderately satisfied” category and about 10% not satisfied at all. This leaves a pressing question—what separates those beaming with contentment from those just “okay” or unhappy after leaving the workforce?There is a tendency to assume money is the main culprit. Yet new research suggests a much smaller role for finances than is commonly believed, especially compared with other often-overlooked factors.Four Pillars of Retirement SatisfactionSavings:Your total nest egg, everything you've saved apart from your home.Lifetime Income:The predictable, recurring payments you'll receive for life—think Social Security and pensions.Health:How you rate your physical condition.Social Connections:The strength and depth of your relationships, measured by how connected and supported you feel.I talk about how these four pillars interact, and—most importantly—how none alone can compensate for a shortfall in another. For instance, having vast savings won't make up for a lack of social connections or poor health.The Surprising Power of Lifetime Income and Social ConnectionWhile retirees with over $1 million in savings and high lifetime income are the most satisfied (77%), those with far less in savings but significant guaranteed income (like Social Security) closely trail in happiness (73%). The reliability of a regular paycheck in retirement can be more psychologically satisfying than simply having a large pile of assets.But the single strongest predictor of retirement satisfaction, after controlling for all factors, was not money at all—it was social connection. Having a strong circle of friends was associated with higher satisfaction than having a seven-figure bank account.Positive social connections can even offset the effects of deteriorating health. Retirees with fair health but strong friendships are nearly as satisfied as those with excellent health but few friends.The Weakest Link: Why All Four Factors MatterThese factors stack rather than substitute. You can't out-save your way out of loneliness, nor can vibrant health buy your way out of financial insecurity. Satisfaction is governed by your weakest link—so maximizing all four areas is key.So, how can you prepare for a truly satisfying retirement? Strengthen Social Ties: Identify work-based friendships at risk of fading after retirement, and make efforts to integrate them into your new routine. Join clubs or volunteer—even before you retire—to lay strong social foundations.Prioritize Health: Invest in your well-being through activities that blend exercise and social engagement (think pickleball or group classes).Maximize Lifetime Income: Consider strategies like delaying Social Security to increase your guaranteed monthly income.Develop a Holistic Plan:Don't just focus on your “magic number.” Plan for your daily life—how you'll spend your time and with whom—after the paychecks stop.Your “Retirement Number” Isn't EnoughIn the end, financial security is essential, but it's only half the equation. To enjoy the best years of your life, cultivate health and meaningful relationships, and find purpose beyond work. Start addressing your weakest pillar today, and you'll build not just a wealthy retirement, but a happy one.Outline of This Episode[04:10] Understanding retirement satisfaction[07:41] Different types of retirement money[10:26] Explaining the Income Lab tool[14:45] Importance of health and connections[17:05] Balancing life priorities[20:31] Work as social infrastructure[23:41] Importance of holistic retirement planningResources MentionedHealth and Retirement StudyIncome LabWHO Commission on Social ConnectionOur Epidemic of Loneliness and Isolation: The U.S. Surgeon General's Advisory on the Healing Effects of Social Connection and CommunityDavid Blanchett Connect With Scott WellensSchedule a discovery call with ScottSend a message to ScottVisit Fortress Planning GroupConnect with Scott on LinkedInFollow Scott on TwitterFortress Planning Group on FacebookSubscribe to Best In WealthAudio Production and Show notes byPODCAST FAST TRACKhttps://www.podcastfasttrack.comPodcast Disclaimer:The Best In Wealth Podcast is hosted by Scott Wellens. Scott Wellens is the principal at Fortress Planning Group. Fortress Planning Group is a registered investment advisory firm regulated by the US Securities and Exchange Commission in accordance and compliance with securities laws and regulations. Fortress Planning Group does not...

Galaxy Brains
The Red Team Defending Bitcoin with Rob Hamilton

Galaxy Brains

Play Episode Listen Later Aug 13, 2026 43:24


Alex Thorn talks with Rob Hamilton (Anchorwatch) about the Red Team utilizing AI to uncover and patch vulnerabilities around the Bitcoin ecosystem in the wake of the Coldcard exploit. Alex also talks with Beimnet Abebe (Galaxy Trading) about inflation, markets, and why he's constructive on BTC at these levels. Past performance is not indicative of future results.   Participants, along with Galaxy Digital, hold a financial interest in Bitcoin (BTC). Galaxy regularly engages in buying and selling BTC, including hedging transactions, for its own proprietary accounts and on behalf of its counterparties. Galaxy also provides services to vehicles that invest in BTC.  If the value of such assets increases, those vehicles may benefit, and Galaxy's service fees may increase accordingly. The valuation in this communication is based on technical, fundamental, and market analysis and not on any formal valuation method. For more information, please refer to Galaxy's public filings and statements. Cryptocurrencies, including BTC, are inherently volatile and risky and ultimate market movements may not align with this statement.   For additional risks related to digital assets, please refer to the risk factors contained in filings Galaxy Digital Inc. makes with the Securities and Exchange Commission (the “SEC”) from time to time, including its Quarterly Report on Form 10-Q, available at www.sec.gov.

Financial Crime Weekly Podcast
Financial Crime Weekly Episode 271

Financial Crime Weekly Podcast

Play Episode Listen Later Aug 13, 2026 15:00


Welcome to episode 271 of the Financial Crime Weekly Podcast. I am Chris Kirkbride. In this episode, on money laundering, we look at the English Court of Appeal's decision in R v Osmond concerning the tipping-off offence under the Proceeds of Crime Act 2002. On bribery and corruption, we look at the agreement between the DoJ and Veloxis Pharmaceuticals. On market abuse, the US Securities and Exchange Commission brings charges against Adit Ventures Management LLC, and some associated with it. Finally, a new book exploring the ethical failures at the Post Office in the UK has been published.A transcript of this podcast, with links to the stories, will be available at www.crimes.financial. The photograph on the podcast cover art is by Sora Shimazaki at Pexels, and the stinger sample between each news section is ‘Ben Logo 1' by BenKirb from Pixabay.

Why Invest?
Vicky Reynal: Financial psychotherapist and author

Why Invest?

Play Episode Listen Later Aug 12, 2026 37:29


In this episode of the Why Invest? podcast, Luke Hyde-Smith and Tom Savile are joined by financial psychotherapist and author Vicky Reynal to explore the powerful connection between psychology and investing. Vicky shares insights from her work helping people navigate everything from fear of investing and procrastination to overspending. The conversation explores how childhood influences shape our relationship with money, why investing should be viewed as an emotional journey rather than a test of intelligence, and how confidence is often built through action, not before it.The discussion also looks at the UK's cautious approach to investing, the impact of social media on younger investors and the challenges of staying calm during periods of market uncertainty. Vicky offers practical advice on building a healthier relationship with money and explains why understanding your own behaviour may be one of the most valuable investments you can make. If you would like further information about anything discussed in this episode, please do get in touch: whyinvest@w1m.com.Hear more from Vicky:Instagram: @vickyreynalpsychotherapy LinkedIn: www.linkedin.com/in/vicky-reynal X: @VickyRyenalPsycWebsite: http://www.reynal-psychotherapist.co.ukVicky's book: Money on Your Mind: The Psychology Behind Your Financial HabitsThis podcast is issued by W1M Wealth Management Limited which is authorised and regulated by both by the Financial Conduct Authority of 12 Endeavour Square, London E20 1JN, with firm reference number 120776 and the U.S. Securities and Exchange Commission of 100 F Street, NE Washington, DC 20549, with firm reference number 801-63787. Registered in England and Wales, Company Number 02080604.The information provided in this podcast is for information purposes only and W1M Wealth Management Limited does not accept liability for any loss or damage which may arise directly or indirectly out of use or reliance by the client, or anyone else, on the information contained in this recording. This podcast should be used as a guide only is based on our current views of markets and is subject to change.The information provided does not constitute advice and it should not be relied on as such. It should not be considered a solicitation to buy or an offer to sell a security. It does not take into account any investor's particular wealth management or investment objectives, strategies, tax status or investment horizon.All materials have been obtained from sources believed to be reliable, but its accuracy is not guaranteed. There is no representation or warranty as to the current accuracy of, nor liability for, decisions based on such information. Hosted on Acast. See acast.com/privacy for more information.

The Biltmore View
Episode 47: The Most Hated Asset Class - US Office Buildings. Terence Kim, Managing Director at Cross Ocean Partners

The Biltmore View

Play Episode Listen Later Aug 11, 2026 27:40


My guest today is Terence Kim from Cross Ocean Partners. Cross Ocean Partners is a global credit investment specialist focusing on value investing and downside protection through opportunistic sourcing. Terence is a Managing Director on the US Credit team. Our conversation today will revolve around one of the most interesting sectors in all of global finance, US office buildings. Between remote work and high interest rates, the sector is so hated this era is known as - the office apocalypse.  Previously at Goldman Sachs and Oaktree, Terence has spent the last ten years at Cross Ocean. This is an ideal perch from which to view the current state of the office market from an opportunistic investment perspective. This podcast was recorded on July 23, 2026.  The respective opinions expressed are those of Mr. Kim and Cross Ocean Partners.  The opinions referenced are as of the date of this podcast and are subject to change without notice.  This material is for informational use only and should not be considered investment advice. The information discussed herein is not a recommendation to buy or sell a particular security or to invest in any particular sector.  Forward-looking statements are not guaranteed.  BFO reserves the right to modify its current investment strategies and techniques based on changing market dynamics or client needs and there is no guarantee that their assessment of investments will be accurate.  The discussions, outlook and viewpoints featured are not intended to be investment advice and do not take into account specific client investment objectives.  Before investing, an investor should consider his or her investment goals and risk comfort levels and consult with his or her investment adviser and tax professional.   Biltmore Family Office, LLC is an investment adviser registered with the U.S. Securities and Exchange Commission. Registration does not imply a certain level of skill or training. More information about BFO's investment advisory services can be found in its Form ADV Part 2, which is available upon request.

In Focus with Carolyn Hutcheson
Payment App Scams - TPR's In Focus - August 11, 2026

In Focus with Carolyn Hutcheson

Play Episode Listen Later Aug 11, 2026 9:53 Transcription Available


The Alabama Securities and Exchange Commission is alerting people that scammers are using payment apps to defraud consumers. A.S.C. director, Amanda Senn, visits in Focus to tell us how the fraudsters operate.

Keen On Democracy
Is Jurassic Park Playing in Silicon Valley? Renée Jones on the Unicorn Stampede in Startup Finance.

Keen On Democracy

Play Episode Listen Later Aug 10, 2026 40:58


“By operating in secrecy, they're able to avoid or evade accountability — and, in many instances, engage in anticompetitive behavior or even fraud.” — Renée M. Jones on unicorns Twelve years ago there were 39 unicorns — private companies worth a billion dollars or more. Today there are over 1,400, collectively valued above $7 trillion, with the twin beasts of Anthropic and OpenAI at the front of the herd, driving the entire American economy. A good thing, surely? Not according to Renée M. Jones, the SEC's chief regulator of corporate finance from 2021 to 2023 and author of Untamed Unicorns: Why Startup Finance Is Broken and How to Fix It. The former SEC big game warden worries that this stampede of wild unicorns might be driving the entire American economy off a cliff. Her problem isn't that these private companies exist. It's that we know almost nothing about them. That's because of changes in the law since the Nineties that have lifted the hundred-investor cap on private funds, thereby enabling them to mushroom from under $1 trillion to $17 trillion. Add secondary markets where insiders quietly cash out, and the IPO becomes optional. And so we know almost nothing about companies like Anthropic and OpenAI with private valuations in the hundreds of billions of dollars. The result is what Jones calls the founder-friendly model of Facebook, Uber or Airbnb. With super-voting shares at ten votes apiece, founders effectively choose their own bosses, thereby stripping investors of the power to discipline anyone. Think Travis Kalanick and Mark Zuckerberg. Think Theranos, WeWork and FTX. Unicorns are named, of course, for their impossibility. Not so long ago, nobody could imagine a private company worth more than a billion dollars. However, with $7 trillion now on the table, Jones is concerned about the health of the American startup economy. On the brink of the OpenAI and Anthropic IPOs, I fear Renée Jones might be right about the dangers of a real crash triggered by the stampede of these mythical creatures. Jurassic Park is now playing in Silicon Valley. Pass the popcorn. Five Takeaways •       The $7 Trillion Secret. The unicorn was named for its rarity: 39 existed twelve years ago. Today there are more than 1,400, worth over $7 trillion — roughly 1,100 in America, nearly 300 in China — and the biggest of them shape the economy while disclosing essentially nothing. That is Jones' target: not the billion-dollar valuations but the secrecy. A billion-dollar private company faces neither the disclosure rules nor the governance requirements of a public company its size, which means accountability arrives only by accident — a scandal, a frustrated investor, a whistleblower calling a reporter. Everything else stays dark.•       How the IPO Died. Startups once went public within five to seven years, for two reasons: growth capital lived in public markets, and the 500-shareholder rule forced large private companies to register — it's reportedly why Google and Facebook held their IPOs at all. Both reasons were legislated away. NSMIA (1996) uncapped private funds, whose assets exploded from under $1 trillion to $17 trillion; the JOBS Act (2012) moved the trigger to 2,000 shareholders with employee shares exempt; and secondary markets — Forge Global, Nasdaq Private Market, EquityZen — let insiders cash out without a prospectus. The IPO became a liquidity event rather than a necessity. Only AI's bottomless capital hunger, Jones notes, is pushing OpenAI and Anthropic toward the public markets at all.•       Founders Choosing Their Bosses. The founder-friendly model gives startup founders super-voting shares — ten votes to one — letting them control the board that supposedly controls them. Venture capitalists lost their traditional power to discipline or dismiss a misbehaving founder: Uber's investors, lacking the votes to oust Travis Kalanick, had to stage a coup via press leak. And the VCs are conflicted anyway — exposing fraud destroys the exit they're invested in. Jones' answer to the Google-and-Facebook counterargument is historical: dual-class structures were invented at those companies precisely to coax their founders into IPOs, and they now arrive by the second or third funding round — so the governance rot starts earlier and, as Zuckerberg demonstrates, persists indefinitely after the public offering.•       The Fraud Files — and the Social Bill. FTX. Theranos, which hid parts of its lab from inspecting regulators. WeWork, whose IPO filing finally told the truth about the spending and self-dealing — whereupon the public refused to buy, the company limped through a SPAC into bankruptcy, and employees who had borrowed money to exercise options and pay taxes were left holding worthless paper. (The VC money lost, Jones notes, is substantially public pension money anyway.) Beyond the frauds lies the social bill of the below-cost blitzscale: taxi drivers destroyed and then prices raised; passengers assaulted under lax background checks; Airbnb's uncollected occupancy taxes, underinvested security, and name-based discrimination. A culture of outrunning the law, Jones argues, gets baked in — and firms powerful enough simply change the law, as Uber and Lyft did to driver-classification rules in California and Massachusetts.•       Not Teddy — Franklin. Asked whether the coming reckoning demands a new Teddy Roosevelt — Casey Michel's prescription on this show days earlier — Jones reaches a generation later: Franklin's New Deal securities acts of 1933 and 1934, which made disclosure the price of other people's money and worked for ninety years. Since the 1980s the architecture has been chipped into optionality, and the SEC is now dismantling Sarbanes-Oxley and Dodd-Frank protections while deregulating public markets too. Her remedies: disclosure to employees paid in options they cannot value, and disclosure in the largest private offerings — because investors of any sophistication cannot make responsible decisions while investing blind. Andrew's closing verdict: I hope she's wrong. I suspect she's right. About the Guest Renée M. Jones is Professor of Law and Dr. Thomas F. Carney Distinguished Scholar at Boston College Law School, where she has taught corporate and securities law for nearly a quarter century. From 2021 to 2023 she served as Director of the Division of Corporation Finance at the U.S. Securities and Exchange Commission — the nation's chief regulator of capital formation. A graduate of Princeton University and Harvard Law School, she is the author of Untamed Unicorns: Why Startup Finance Is Broken and How to Fix It (Harvard University Press, August 4, 2026). References: •       Untamed Unicorns: Why Startup Finance Is Broken and How to Fix It by Renée M. Jones (Harvard University Press, August 4, 2026). Jennifer Taub: “This essential book, replete with details and drama.”•       The National Securities Markets Improvement Act (1996) and the JOBS A...

The Bold Lounge
Marcia Dawood: Bold Money Moves

The Bold Lounge

Play Episode Listen Later Aug 7, 2026 38:28 Transcription Available


Send us Fan MailAbout This EpisodeWhat does it mean to be bold with your career and your money? Marcia Dawood, early-stage investor, venture capital partner at Mind Shift Capital, and member of the SEC's Small Business Capital Formation Advisory Committee, shares lessons from her own career and breaks down angel investing in practical terms. Tune in to hear why more women investors matter, how beliefs about money can shape financial decisions, and simple ways to become more informed and engaged with how your money is invested and spent. About Marcia DawoodMarcia Dawood is the author of two award winning books, Unapologetic Wealth and Do Good While Doing Well. She is also a TEDx speaker, Podcast host, and an early-stage investor who serves as the chair of the Securities and Exchange Commission's Small Business Capital Formation Advisory Committee. She is a venture partner with Mindshift Capital and the chair emeritus of the Angel Capital Association (ACA), a global professional society for angel investors. She is an associate producer on the award-winning documentary Show Her the Money. Additional ResourcesLinkedIn: @MarciaDawoodSupport the show--------Stay Connected www.leighburgess.comWatch the episodes on YouTube Follow Leigh on Instagram: @theleighaburgessFollow Leigh on LinkedIn: @LeighBurgessSign up for Leigh's bold newsletter

Your Business Your Life
135. The Leadership Shift Every Shop Owner Needs to Make with Dr. Melissa Furman

Your Business Your Life

Play Episode Listen Later Aug 7, 2026 38:57


Why do some shop owners struggle to attract and retain younger employees, while others build teams that thrive across generations?In this episode, Matt DiFrancesco is joined by leadership expert Dr. Melissa Furman, President and Founder of Career Potential, LLC, to explore what it really takes to lead today's multi-generational workforce and why yesterday's management style no longer works.From understanding what motivates Baby Boomers, Gen X, Millennials, and Gen Z to creating a workplace that attracts the next generation of technicians, Melissa shares practical leadership strategies that help business owners build stronger teams, develop future leaders, and create a business that's ready for what's next.Matt and Melissa also talk about:(02:47) Why leading every generation the same way no longer works(05:23) What motivates every generation in today's workforce?(05:52) What do Baby Boomers & Gen X really want from a leader(07:40) Why flexibility matters more than ever for Millennials(10:22) The motivation mistake most business owners make(13:06) Why listening to younger employees changes everything(16:01) Lazy or misunderstood? The truth about today's workforce(17:43) The #1 leadership mistake holding your business back(19:29) Good employees don't leave Bad Companies(21:56) Command and control is dead: Why leaders must evolve(25:56) Word of mouth wins: The recruiting strategy that still works(29:31) Why transferable skills matter more than experience(34:07) Why leadership isn't about you(35:09) Why great leaders let people failConnect With Dr. Melissa FurmanLinkedIn: https://www.linkedin.com/in/melissajfurman/Website:https://unlockcareerpotential.com/Connect With Matt DiFrancesco:matt@highliftfin.com(814)201-5855LinkedIn: Matt DiFrancescoLinkedIn: High Lift FinancialFacebook: High Lift Financial Instagram: @high_lift_financialYouTube: @highliftfinancialAbout the guest:Dr. Melissa Furman is a nationally recognized speaker, author, and leadership expert who helps organizations build stronger teams by understanding what motivates today's multi-generational workforce. With up to five generations now working side by side, she equips leaders with practical strategies to improve communication, strengthen workplace culture, and create environments where employees of all ages can thrive.Known for challenging common misconceptions about Baby Boomers, Gen X, Millennials, and Gen Z, Dr. Furman encourages business owners to move beyond stereotypes and lead people as individuals. Her engaging, no-nonsense approach provides actionable insights that help organizations attract, develop, and retain top talent while preparing the next generation of leaders for long-term success.Disclaimer:All information is obtained from sources deemed reliable, but not guaranteed. No tax or legal advice is given nor intended. Content provided herein or on our website should not be construed as an offer for investment advice or for securities, insurance, or other investment products. Investments involve the risk of loss and are not guaranteed. Consult a qualified legal, tax, accounting, or financial professional before implementing any investments or strategies discussed here.High Lift Financial is a DBA for DiFrancesco Financial Concierge, LLC.  Investment advisory services are provided through Cornerstone Planning Group, LLC, an independent advisory firm registered with the Securities and Exchange Commission.

Bond Investment Mentor
Are You a Portfolio Manager or a Bond Collector?

Bond Investment Mentor

Play Episode Listen Later Aug 6, 2026 30:14


Welcome to Bond Investment Mentor! In this episode, Chris examines the difference between "portfolio managers" and "bond collectors." He also discusses how to tell the difference, and how it's the most important step you can take to effective investment management. In this episode: Market update (2:00) Portfolio managers vs. bond collectors (4:18) What makes your institution's investments a portfolio? How a portfolio works as a system How bond collections happen The accumulation process & the "drift" 3-question portfolio management gut check Creating a portfolio management framework with help from Nelson Capital Advisors (Learn More)  (24:24) If you have questions about anything covered in this episode, please email me at Chris @ BondInvestmentMentor.com. Do you know someone who could benefit from this information? Please share this episode and podcast with them! You will find more articles, tips, and resources about fixed-income investing and portfolio management at BondInvestmentMentor.com. Check it out! Let's Connect via Social Media! LinkedIn: Christopher Nelson, CFA Connect with Nelson Capital Advisors Interested in discussing how these concepts apply to your institution? I'd welcome the conversation. Email: Chris@NelsonCapitalAdvisors.com Phone: 207-420-2442 Website: NelsonCapitalAdvisors.com About Nelson Capital Advisors Nelson Capital Advisors is a registered investment adviser with the U.S. Securities and Exchange Commission, specializing in serving community banks and credit unions. We provide investment advisory services, portfolio management consulting, investment policy development, and fixed-income strategy guidance. Bond Investment Mentor LLC and Nelson Capital Advisors are commonly owned entities. For detailed information about Nelson Capital Advisors' services, fees, and potential conflicts of interest, please review our Form ADV Part 2A brochure. Important Disclaimer The content in this podcast is for educational and informational purposes only and should not be considered personalized investment advice for your specific situation. For advice tailored to your institution's needs, please contact Nelson Capital Advisors directly.

Galaxy Brains
The State of CLARITY Act with Natalia Li

Galaxy Brains

Play Episode Listen Later Aug 6, 2026 37:49


Alex Thorn talks with Natalia Li (Galaxy Head of U.S. Policy) about the state of the CLARITY Act. Alex also talks with Beimnet Abebe (Galaxy Trading) about markets. Participants, along with Galaxy Digital, hold a financial interest in Bitcoin (BTC). Galaxy regularly engages in buying and selling BTC, including hedging transactions, for its own proprietary accounts and on behalf of its counterparties. Galaxy also provides services to vehicles that invest in BTC.  If the value of such assets increases, those vehicles may benefit, and Galaxy's service fees may increase accordingly. The valuation in this communication is based on technical, fundamental, and market analysis and not on any formal valuation method. For more information, please refer to Galaxy's public filings and statements. Cryptocurrencies, including BTC, are inherently volatile and risky and ultimate market movements may not align with this statement.   For additional risks related to digital assets, please refer to the risk factors contained in filings Galaxy Digital Inc. makes with the Securities and Exchange Commission (the “SEC”) from time to time, including its Quarterly Report on Form 10-Q, available at www.sec.gov.

ABA Journal: Modern Law Library
We need to rein in Silicon Valley unicorns, says law prof

ABA Journal: Modern Law Library

Play Episode Listen Later Aug 5, 2026 53:35


In Silicon Valley, a "unicorn" is a private startup with a net worth of $1 billion. As the term suggests, these were once incredibly rare creatures. Most startups would go public within 4-7 years, long before they had a $1 billion valuation. But two key pieces of legislation made the rare into the rampaging, starting in 1996. In her new book, Untamed Unicorns: Why Startup Finance is Broken and How to Fix It, Renée M. Jones warns that by staying private and shielded from oversight and disclosure, these startups could be endangering the stability of our financial system. Jones, who served as the director of the Securities and Exchange Commission's Division of Corporation Finance under President Joe Biden, shows how these tactics were used (and misused) by startups like FTX, WeWork, Uber and Theranos. "One of the big concerns is that startups are taking advantage of the secrecy to engage in, we could call it 'antisocial' or 'unsocial' behavior, but there are not really any mechanisms for the public to really see what's going on," Jones tells Modern Law Library host Lee Rawles. "If Theranos's investors and directors understood that they were going to have to go public and prove that the product worked, they would've been more demanding on Elizabeth Holmes most likely, and they wouldn't have been able to get away with all of those lies." A big concern Jones has is with the recent push by private equity companies to allow regular retail investors and 401K plan managers to invest in these opaque and risky private startup companies. "That includes private equity, it includes infrastructure. It could even include crypto. Again, these are illiquid assets," says Jones. "There's no ready market for those shares. And they're high risk assets and there's not a lot of information to even know, 'What am I actually invested in?' " "If the Department of Labor's plans are adopted, you're going to have to really work hard to avoid having any private equity in your 401k plans," Jones warns. "There's a risk that these overvalued assets are going to be transferred from professional investors who can act to protect their interest to sort of your average, unsophisticated 401k saver." In this episode, Jones shares her advice for reforming the oversight of these companies, warning signs that financial novices should be on the look for, and introduces a new creature to the financial bestiary: the centicorn.

Easy Prey
The Recruitment Trap

Easy Prey

Play Episode Listen Later Aug 5, 2026 51:24


Everybody is searching for ways to increase income. Unfortunately, MLMs often look like an easy way to start a business without taking on the cost of a traditional company. The pitch sounds simple. Buy the product, follow the plan, and put in the work. The numbers behind those promises often tell a different story. Today's guest, Stacie Bosley, has spent years studying what really happens inside MLMs. She is a professor at Hamline University in Minnesota and holds a Ph.D. in applied economics. Her research covers multi-level marketing, consumer protection, income claims, and pyramid scheme fraud. She has also served as an expert witness in cases involving the Federal Trade Commission and the Securities and Exchange Commission. We talk about what separates an MLM from a pyramid scheme or a Ponzi scheme. Stacie explains why these opportunities attract smart and motivated people. We'll learn about the role of recruitment including those hidden expenses and fake or misleading success stories. We also learn questions people should ask before investing their money and time in any business opportunity. Show Notes: [01:03] Stacey explains how her background in applied economics led to research on multi-level marketing, pyramid schemes, and income misrepresentation. [03:22] Early experiences in rural Wisconsin and changes in retail and internet commerce sparked an interest in how people pursue business opportunities. [05:07] Pyramid schemes rely on a pay-and-recruit structure that mathematically leaves most participants with losses. [08:57] Adding a legitimate product does not change the underlying structure when profits still depend primarily on recruitment. [10:33] Ponzi schemes generally use investment language, while pyramid schemes tie a participant's compensation directly to recruiting others. [12:38] Products, demographics, religious communities, and other affinity groups can shape how MLM opportunities are marketed. [16:17] Reward-responsive people may be attracted to the recognition, status, and sense of competence these opportunities promise. [19:47] Anyone considering an MLM should define what they hope to gain and examine their realistic chances of reaching that goal. [22:53] The appeal of a turnkey "business in a box" can cause people to skip the research they would normally do before starting a business. [25:32] Earnings often look far worse after product purchases, training costs, conference fees, and other expenses are deducted. [28:13] Companies making income claims have a responsibility to explain what participants typically earn and spend. [31:02] Disclaimers such as "results not typical" do little to correct exaggerated success stories or earnings claims. [34:08] MLM losses can affect finances, relationships, social connections, and a participant's sense of personal worth. [37:12] Limited time, money, and energy can be diverted into opportunities that fail to improve a family's financial situation. [40:03] A company may be operating as an MLM regardless of its chosen label if participants earn from the activity of recruited sellers. [42:22] Important questions include the typical startup cost, ongoing expenses, earnings, profitability, and participant retention. [44:23] Claims that unsuccessful participants simply quit or failed to work hard can be used to dismiss troubling outcome data. [46:12] Encouraging sellers to recruit their own competitors conflicts with basic principles of supply and demand. [48:03] A large number of local sellers may be presented as community support even though it can indicate market saturation. [49:47] Resources such as Stacey's TED Talk, Truth in Advertising, and her published research can help people investigate these opportunities. [50:59] A reminder to look beyond the sales pitch and ask what people actually earn after expenses. Thanks for joining us on Easy Prey. Be sure to subscribe to our podcast on iTunes and leave a nice review.  Links and Resources: Podcast Web Page Facebook Page whatismyipaddress.com Easy Prey on Instagram Easy Prey on Twitter Easy Prey on LinkedIn Easy Prey on YouTube Easy Prey on Pinterest Stacie Bosley - Hamline University Stacie Bosley - LinkedIn

Potomac Perspective with Brian Gardner

What can we learn from primary results in key states ahead of this fall’s midterm elections? In the latest episode of Potomac Perspective, Stifel Chief Washington Policy Strategist Brian Gardner and co-host Neil Shapiro have the key takeaways. This material is prepared by the Washington Policy Strategy Group of Stifel, Nicolaus & Company, Incorporated (“Stifel”). This material is for informational purposes only and is not an offer or solicitation to purchase or sell any security or instrument or to participate in any trading strategy discussed herein. The information contained is taken from sources believed to be reliable, but is not guaranteed by Stifel as to accuracy or completeness. The opinions expressed are those of the Washington Policy Strategy Group and may differ from those of other departments that produce similar material and are current as of the date of this publication and are subject to change without notice. Past performance is not necessarily a guide to future performance. Stifel does not provide accounting, tax, or legal advice and clients are advised to consult with their accounting, tax, or legal advisors prior to making any investment decision. Additional information is available upon request. Stifel, Nicolaus & Company, Incorporated is a broker-dealer registered with the United States Securities and Exchange Commission and is a member SIPC & NYSE. ©2026See omnystudio.com/listener for privacy information.

The Breitbart News Daily Podcast
Are Republicans ACTUALLY Discouraged?; Guest: Chair of the U.S. Securities and Exchange Commission, Paul S. Atkins on Trump 2.0's Ongoing Successes!

The Breitbart News Daily Podcast

Play Episode Listen Later Aug 3, 2026 54:10


The lamestream media is claiming that Republicans are actually pretty discouraged these days and that a GOP butt-kicking is an inevitability in the 2026 Midterm elections. Is this true? Our ornery host, Mike Slater, doesn't think so! Listen in and find out why he has some real problems with this doom and gloom outlook! Following that opener, Slater has a rare opportunity to speak with the chairman of the U.S. Securities and Exchange Commission, Paul S. Atkins, about the ongoing wins of President Donald J. Trump's second administration and what to expect from them in the upcoming years! MAGA! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The Epstein Chronicles
Mega Edition: Jeffrey Epstein And His Manipulation Of The Law (8/2/26)

The Epstein Chronicles

Play Episode Listen Later Aug 2, 2026 56:19 Transcription Available


Jeffrey Epstein first appeared on a federal regulator's radar in 1981, when the Securities and Exchange Commission questioned him under oath during an investigation into trading connected to a corporate tender offer while he was associated with Bear Stearns. That proceeding did not concern sexual abuse and did not result in criminal charges against him, but it showed that Epstein had been subjected to official scrutiny decades before his eventual sex-trafficking prosecution. More serious warnings followed: Palm Beach police examined reports involving young women as early as 2001, another complaint surfaced in 2004, and a 2005 report from the family of a 14-year-old girl uncovered a much larger pattern of alleged abuse. By 2007, federal investigators had identified numerous potential victims and prosecutors had prepared a draft indictment containing dozens of proposed charges.Yet Epstein repeatedly escaped consequences proportionate to the evidence against him. Instead of facing the proposed federal prosecution, he received a secret non-prosecution agreement granting protection to him and potential co-conspirators, pleaded guilty in 2008 to reduced Florida charges and served only 13 months with unusually generous work-release privileges. He then returned to wealth, travel and elite social circles until renewed reporting and survivor advocacy helped bring fresh federal charges in July 2019. Even that long-delayed prosecution never reached a jury: Epstein died in federal custody on August 10, 2019, while awaiting trial. The result was an extraordinary institutional failure stretching across decades, in which warnings accumulated, victims came forward and investigators developed substantial cases, but Epstein's money, legal firepower and connections repeatedly helped postpone a full public accounting until his death made one impossible.to contact me:bobbycapucci@protonmail.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.

Mormon Stories - LDS
Security and Exchange Commission Scandal - LDS Discussions Pt. 80 | Ep. 2177

Mormon Stories - LDS

Play Episode Listen Later Jul 31, 2026 175:48


In Episode 80 of our LDS Discussions series, Julia, Kolby, and Nemo the Mormon join together for a deep dive into one of the most significant financial controversies in modern Latter-day Saint history: Ensign Peak Advisors and the SEC's investigation into the Church of Jesus Christ of Latter-day Saints. The discussion begins by examining what Ensign Peak Advisors is, why the Church created an enormous investment reserve, and whether maintaining such a fund is inherently problematic. From there, the panel walks through the timeline leading up to the 2019 whistleblower revelations and the 2023 SEC Order, exploring the Church's filing practices, the creation of 13 shell companies, and the legal findings that concluded the Church intentionally obscured the size of its investment portfolio. Along the way, we analyze statements from Church leaders including Roger Clarke, Christopher Waddell, Elder Ballard, Elder Packer, Joseph F. Smith, Lorenzo Snow, and others, comparing modern financial practices with historical teachings on tithing. We also discuss the evolution of tithing slips, the Church's growing investment portfolio, estimates of annual tithing revenue, David Nielsen's whistleblower allegations, and the ethical implications of the Church's financial secrecy. Finally, the panel examines the SEC's findings in detail, asking difficult questions about honesty, accountability, transparency, and whether a church that teaches integrity should be held to the same legal and ethical standards it expects of its members. This episode provides one of the most comprehensive examinations of the Ensign Peak controversy, combining historical documents, SEC records, Church statements, and primary sources to better understand what happened –and why it matters. If you enjoy these in-depth historical analyses, please like, subscribe, and share this episode. Your support helps us continue producing thoroughly researched content exploring the history and truth claims of Mormonism.___________________YouTubeAt Mormon Stories we explore, celebrate, and challenge Mormon culture through in-depth stories told by members and former members of The Church of Jesus Christ of Latter-day Saints as well as scholars, authors, LDS apologists, and other professionals.  Our overall mission is to: 1. Facilitate informed consent amongst LDS Church members, investigators, and non-members regarding Mormon history, doctrine, and theology2. Support Mormons (and members of other high-demand religions) who are experiencing a religious faith crisis3. Promote healing, growth and community for those who choose to leave the LDS Church or other high demand religions

Rabbit Hole Recap
RABBIT HOLE RECAP #420: ACCELERATE

Rabbit Hole Recap

Play Episode Listen Later Jul 31, 2026 62:46


Farside Correction Strike Launches Beneficiary Planning for Bitcoin Inheritance https://x.com/strike/status/2082560745498157548 CLARITY Act Protects Self-Custody Bitcoin from Abandoned Property Laws https://x.com/intangiblecoins/status/2081055716282953999 Vinteum Announces New Bitcoin Fellowship Cycle and Fellows https://x.com/vinteum_org/status/2080376273893728602 Jensen Huang's First X Post: NVIDIA Supports Open AI Models https://x.com/jensenhuang/status/2080643682408321103 Nigeria | Tinubu Establishes Virtual Asset Council Nigerian President Bola Tinubu signed an executive order establishing a coordinated framework for the regulation of digital assets. The new “Virtual Asset Council” will be chaired by the Central Bank of Nigeria, with the Nigerian Securities and Exchange Commission, Nigeria Revenue Service, and other financial and national security officials also involved. The Nigerian SEC will oversee virtual assets classified as securities, while the central bank will register payment, custody, settlement, and other non-security assets. FinancialFreedomReport.org Sparrow Wallet 2.5.3: ERA Hardware Wallet Support, XDG Directories, and PSBT Verification https://github.com/sparrowwallet/sparrow/releases/tag/2.5.3 Vexl v1.45.1: Performance Improvements and VCF Contact Backup https://github.com/vexl-it/vexl/releases/tag/v1.45.1_883 Amethyst v1.13.0: Napplet/nSite Browser Host, Cashu CLI Support, NIP-22 Comments, and Tor Onion-Location https://github.com/vitorpamplona/amethyst/releases/tag/v1.13.0 Blitz Wallet Android v0.7.14: Faster Payments, Transaction Filtering by Description, and Simplified UI https://github.com/BlitzWallet/BlitzWallet/releases/tag/Android-v0.7.14 India Forces GitHub to Remove Bitchat App https://x.com/callebtc/status/2080576044168339662 Bitchat Enables Offline Self-Transfer to Other Android Phones https://x.com/callebtc/status/2082106744788955310 Bitchat Coming to Smartwatches as Decentralized Mesh Walkie-Talkie https://x.com/callebtc/status/2082427446154997910 Bitle: Open-Source ESP32 Mesh Relay for Off-Grid Bitchat https://x.com/Alacritic_Super/status/2082055423109247402 Russia Charges Telegram Founder Pavel Durov with Facilitating Terrorism https://www.reuters.com/world/russias-fsb-charges-telegram-founder-durov-with-facilitating-terrorism-ifax-says-2026-07-29/ Colorado's New Restrictive Process for Buying Semi-Auto Firearms https://x.com/avaflanell_/status/2080706895787249842 3:33 - Blaze it 8:33 - Dashboard 9:48 - Corrections 14:03 - Strike inheritance 15:38 - CLARITY protects from Noah Doe 25:18 - Vinteum 28:13 - Jensen tweets 35:13 - Boosts 36:28 - HRF Story of the Week 38:43 - Software updates 55:43 - Durov flips off Moscow 57:48 - Colorado has fallen 1:01:33 - Geo time Shoutout to our sponsors: Strike https://strike.me/ Stakwork https://stakwork.ai/ Salt of the Earth https://drinksote.com/rhr Follow Marty Bent: Twitter https://twitter.com/martybent Nostr https://primal.net/marty Newsletter https://tftc.io/martys-bent/ Podcast https://tftc.io/podcasts/ Follow Odell: Nostr https://primal.net/odell Newsletter https://discreetlog.com/ Podcast https://citadeldispatch.com/

GREY Journal Daily News Podcast
What Does Shein's Prolonged IPO Mean For Founders?

GREY Journal Daily News Podcast

Play Episode Listen Later Jul 31, 2026 1:05


Shein has pursued an IPO for three years while facing scrutiny from the US Securities and Exchange Commission and bipartisan lawmakers over forced labor compliance and de minimis shipping. After a 2023 confidential US filing, the company explored a London listing in 2024 and 2025, where UK officials also raised concerns. Executive chairman Donald Tang led outreach as Shein emphasized compliance programs, audits, and its 2021 move to Singapore. Competitive pressure intensified from PDD Holdings' Temu and TikTok Shop, affecting acquisition costs and market share dynamics. Reported valuations shifted from near $100 billion in 2022 to about $66 billion in 2023, with some 2024 secondary sales below prior marks. The prolonged process has delayed liquidity for investors and employees and underscores that founders must prepare for multi-jurisdictional compliance, dual-track exits, and venue choices shaped by politics.Learn more on this news by visiting us at: https://greyjournal.net/news/ Hosted on Acast. See acast.com/privacy for more information.

The WorldView in 5 Minutes
California lifeguard saved 10-year-old boy; Drinking water in three cities contained Abortion Kill Pill; Younger churchgoers want more liturgy in worship service

The WorldView in 5 Minutes

Play Episode Listen Later Jul 29, 2026 17:03


It's Wednesday, July 29th, A.D. 2026. This is The Worldview in 5 Minutes heard on 140 radio stations and at www.TheWorldview.com. I'm Adam McManus. (Adam@TheWorldview.com) By Jonathan Clark and Adam McManus India looking to restrict foreign funding of Christian groups India's Parliament is considering a bill to restrict foreign funding of Christian and other faith-based groups.  The measure would allow authorities to seize the assets of such organizations if their registration is canceled. Officials have already canceled the registrations of over 22,000 non-governmental organizations.  Republican Congressman Chris Smith of New Jersey is calling on the Trump administration to address this issue with India. He wrote, “If adopted, the bill would sharply expand the ability of the Indian state to seize the property and assets of groups that receive foreign funding — the vast majority of these being Christian churches and charities, such as hospitals and schools.” According to Open Doors, India is the 12th worst country worldwide for the persecution of Christians. In John 10:10, Jesus said, “The thief does not come except to steal, and to kill, and to destroy. I have come that they may have life, and that they may have it more abundantly.” 6.8-magnitude earthquake hit Japanese island A 6.8-magnitude earthquake hit Japan's southern island of Kyushu yesterday.  The quake caused a collapse at a shopping mall, killing several people. Dozens of people are missing or injured. The Fire and Disaster Management Agency advised over 260,000 people to evacuate the area.   Japan's Nuclear Regulation Authority reported no issues with nearby nuclear power plants.  Please pray that God would comfort the Japanese families of those who have died and restore those who have been injured. Senate confirmed Jay Clayton as Director of National Intelligence The U.S. Senate voted on July 28 to confirm Jay Clayton, who was nominated by President Donald Trump to be the next Director of National Intelligence, reports The Epoch Times. Clayton's confirmation by the Senate came after the Senate Intelligence Committee voted 9–8 along party lines on July 21 to advance his nomination. He was ultimately confirmed with 51 senators' support to 47 voting against. SENATOR: “On this vote, the yeas are 51, the nays are 47, and the nomination is confirmed. And the president will be immediately notified of the Senate's action.” Previously, Jay Clayton served as the U.S. attorney for the Southern District of New York as well as the chairman of the Securities and Exchange Commission under President Trump's first administration. Justice Department affirmed parents' right to disciple children The United States Justice Department issued religious liberty guidance to all executive departments and agencies last week. The memo reaffirmed many religious freedom protections in federal law. It also added a new piece of guidance.  The memo stated, “Parents have the right to direct the religious upbringing and education of their children. This right extends beyond a mere right to teach religion in the confines of one's home and encompasses the choices parents make for their children outside the home.” In Deuteronomy 6:6-7, God said, “These words which I command you today shall be in your heart. You shall teach them diligently to your children, and shall talk of them when you sit in your house, when you walk by the way, when you lie down, and when you rise up.” Drinking water in three cities contained Abortion Kill Pill A new peer-reviewed study found that the drinking water in multiple cities contained the Abortion Kill Pill called Mifepristone. Those cities include Austin, Texas; Blacksburg, Virginia; and Carbondale, Illinois. For years, pro-life groups have been calling on the Environmental Protection Agency to track Mifepristone.  Kristan Hawkins with Students for Life of America stated, “A study inspired by [our] clean water advocacy shows that our concerns are valid. In three cities where water was tested, the active metabolites of Mifepristone, the Chemical Abortion Pill, were in the water. We need the EPA to nationalize this examination, especially in light of so many struggling with infertility.” About 700,000 chemical abortions each year send long-lasting abortion drugs and human remains into America's wastewater systems. Mifepristone blocks progesterone, thus starving the baby. This drug has long-lasting metabolites that remain in the water because the water treatment plants are generally not capable of filtering out these chemicals. GOP Congresswoman Mary Miller of Illinois has introduced the Clean Water for All Life Act. Appearing on EWTN, Kristan Hawkins, President of Students for Life, said this. HAWKINS: “Mothers are taking these pills at home, in their dormitories, and when they are told when the cramping gets too severe to go on the toilet and to keep flushing and not to look -- meaning chemically tainted placenta and blood, as well as the human remains of our child, are being flushed in our waterways. And when you think about the fact that you're talking over 700,000 abortions a year are happening this way, this means, at a minimum, 50 tons of chemically-tainted blood and placenta are being flushed down our toilets with human remains every year, laced with anti-progesterone metabolites, which, shockingly, after they pass through the mother's body, starve the child and kill the child, do not go inactive. “They actually remain active as they pass through our water system. And is what we've tested across the country is that this water -- it's actually laced with these metabolites before they get to the wastewater treatment plant, after it passes through the wastewater treatment plant, and now we've proven it's actually in the tap water.” Through a special link in our transcript today at www.TheWorldview.com, you can send faxes to Congress and demand they take action to stop this public health threat. Or you can contact your two U.S. Senators and your U.S. Congressman by email, phone or letter to the district office nearest you.  (Because mail sent to the D.C. offices of U.S. Senators and U.S. Congressmen has to go through so many scans, it can take months to get there). Voters want political candidates to address the economy The U.S. midterm elections are coming up in November.  Pew Research surveyed voters on what issues they want candidates to address. The top issue was the economy. Voters are especially concerned about affordability and the cost of living. Americans are evenly divided over which party they agree with on economic policies.  If the election were held today, 43 percent of respondents said they would back a Democrat candidate for Congress. Meanwhile, 37 percent said they would back a Republican.  Younger churchgoers want more liturgy in worship service Lifeway Research released a survey on liturgy in worship services at Protestant churches. Liturgies can include elements like set prayers, readings, and formal patterns. Forty-two percent of churchgoers say their church has some of the liturgical style. Twenty-seven percent say they have no liturgical style. And 24 percent say they have a very liturgical style. Seventy-five percent of respondents said they are satisfied with the amount of liturgy at their church. Thirteen percent want more liturgy, while five percent want less. Surprisingly, younger generations are more likely to want their church to include more liturgy.  California lifeguard saved 10-year-old boy NBC Bay Area reports a lifeguard saved the life of a 10-year-old boy at a California beach this week. Waves were overwhelming the boy at Seabright Beach in Santa Cruz. A 16-year-old lifeguard rushed into the water to save him. Other joined in as well.  The dramatic rescue drew the attention of President Donald Trump. He wrote on X, “We're going to bring this heroic young man, and his family, into the White House with, perhaps, the boy he saved, to give him a High Civilian Honor. Very brave, he deserves it!”  Worldview listeners weigh in from Oregon and North Carolina Here at The Worldview in 5 Minutes newscast, Carole Crowley in Damascus, Oregon wrote, “Adam, I love starting my day with The Worldview. I love praying for specific needs of people throughout the world, using God's Word! Thank you so much for your love and dedication to our Lord and bringing the needs of others to us.” Julie Scott in Charlotte, North Carolina, who attached a picture of her addressed letter, said, “Adam, I wanted to show you that, as a result of your July 9th newscast, I wrote a note to Suzanne McCormick, President of the Young Men's Christian Association, objecting to the YMCA allowing men, pretending to be women, in women's bathrooms and locker rooms. In fact, I grabbed several note cards and put stamps and our return address sticker on them so I am poised for action! [You can join her and send a letter: Suzanne McCormick, President, Young Men's Christian Association, 101 North Wacker Drive, Chicago, Illinois 60606.] “I also phoned the office of my U.S. Congressman and asked him to vote to continue to defund the abortion giant Planned Parenthood.   Thank you for including the link.” Minnesota college student gave $500 to help fund newscast And Maylivia in Eden Prairie, Minnesota, whom I spoke with on the phone last night for 20 minutes, wrote, “Adam, my family and I listen to The Worldview every morning. If I'm around when my dad, also named Adam, is preparing and eating breakfast, we listen to it on repeat about six times, literally. He says he doesn't want to miss any of the details. Now, if he's already gone to work, I listen to it on my computer with the transcript, but only once. My mom and sister also listen as part of starting their day. We love having a concise wrap-up of the news, especially for updates on persecuted Christians. “Considering that my family uses it so much, I've decided to give $500. I am a college student, living at home, working part time. This money is partly from my savings and partly from my tutoring business. I was hesitant to give at first. But God laid it on my heart and reminded me that He can provide for all my needs and my parents are providing many of them for me right now! Thank you for your newscast. May God guide the team in His wisdom and remind you of the hope of the cross.” 19 Worldview listeners gave $7,597 And finally, by Tuesday night at 8:00pm Central, 19 Worldview listeners stepped up to the plate and invested their treasure to fund the six-member team behind The Worldview for another year. Our thanks to Kelly in Montgomery, Texas who gave $10, Cathy in Fate, Texas who gave $15, and Paul in Brush, Colorado who gave $25. We appreciate Sarina in Barnwell, Alberta, Canada and Dan in Ingersoll, Ontario, Canada – both of whom gave $100, as well as Kevin in North Bend, Oregon, Eric in Castle Rock, Colorado, and George in Edinburgh, Indiana – each of whom gave $200. We're grateful to God for Steven in Plainview, Texas and Richard in Lometa, Texas – both of whom pledged $25/month for 12 months for a gift of $300 as well as Israel in Yuma, Arizona who gave $347. And we were touched by the generosity of Ed in Wellsburg, Iowa who pledged $30/month for 12 months for a gift of $360, Frances in Beacon, New York who gave $500, Maylivia in Eden Prairie, Minnesota who gave $500, Danny in Abingdon, Virginia who gave $500, Kimberly in Lebanon, Oregon who gave $500, Mary in Highland, New York who pledged $50/month for 12 months for a gift of $600, Stephen in California, Maryland who pledged $100/month for 12 months for a gift of $1,200, and our friend in Naples, Florida who generously matched the 4 donors who gave $500 with a gift of $2,000. Wow! Those 19 gifts add up to $7,597. Ready for our new grand total? Drum roll please. (drum roll sound effect) $79,344 (sound effect of people cheering) We need to raise $44,156 by midnight on Friday, July 31! That means in order to hit our final goal of $123,500 by this Friday, July 31st, God needs to prompt folks to give an astounding $44,156 in order for the six-member Worldview newscast team to be fully funded for another year. So, if you have been waiting until the last minute, this … is … it!  We could really use your help.  The finish line is in just 2 days! Count ‘em. Two! Would you consider being one of 20 people to pledge $100/month for 12 months or give a one-time gift of $1,200, one of 16 people to pledge $50/month for 12 months or give a one-time gift of $600, or one of 32 people to pledge $25/month for 12 months or give a one-time gift of $300? Remember, the next four people who give a one-time gift of $500 will be matched, dollar-for-dollar, by our friend in Naples, Florida. Just go to TheWorldview.com, click on Give, select the dollar amount, and make sure to click on the “recurring” button if that's your wish.  And remember this, if you want to continue your monthly pledge to The Worldview that you started in a previous year, please let me know so we can count your generous ongoing gift toward our total. This newscast team champions the truth and uses the Bible as our plumbline. We actually cite relevant Bible verses that come alive as we look at the news of the day.  Plus, we report on the persecuted church, the battles for life and a godly perspective on sexuality, often including action steps on how you can make a difference as a believer. What does God want you to give to sustain this one-of-a-kind newscast? Go to TheWorldview.com and click on Give. Close And that's The Worldview on this Wednesday, July 29th, in the year of our Lord 2026. Subscribe for free by Spotify, Amazon Music, or by iTunes or email to our unique Christian newscast at www.TheWorldview.com. Plus, you can get the Generations app through Google Play or The App Store. I'm Adam McManus (Adam@TheWorldview.com). Seize the day for Jesus Christ.

The Moscow Murders and More
Jeffrey Epstein And The Transcript From His 1981 SEC Deposition (Part 4) (7/28/26)

The Moscow Murders and More

Play Episode Listen Later Jul 29, 2026 12:09 Transcription Available


In April 1981, Jeffrey Epstein testified before the Securities and Exchange Commission as part of an inquiry involving trading in St. Joe Minerals securities. Epstein described himself as a limited partner and account executive at Bear Stearns who assisted the sales force with commodities and financial-futures recommendations. The questioning focused heavily on his recent departure from the firm, his handling of client accounts and an incident in which he had loaned money to a close friend who used it in connection with a brokerage account. Epstein acknowledged making the loan but insisted it had not been concealed and said he had not initially understood that such an arrangement presented a regulatory problem.Epstein maintained that his resignation was unrelated to the St. Joe Minerals investigation and said he left because he was dissatisfied with how Bear Stearns handled the inquiry into the loan. He repeatedly denied discussing St. Joe Minerals with members of the firm's executive committee and portrayed his departure as voluntary, submitting resignation letters dated March 12 and March 25. The testimony also revealed details about his rapid rise at Bear Stearns and his compensation: he said he had earned more than $200,000 the previous year, including a $135,000 bonus, and expected another sizable payment after leaving. Overall, the deposition showed Epstein defending his conduct, minimizing the seriousness of the loan arrangement and distancing his resignation from the securities matter under investigation.to contact me:bobbycapucci@protonmail.comsource:Jeffrey Epstein Transcript and ExhibitsBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-moscow-murders-and-more--5852883/support.

Beyond The Horizon
Jeffrey Epstein And The Transcript From His 1981 SEC Deposition (Part 1) (7/27/26)

Beyond The Horizon

Play Episode Listen Later Jul 28, 2026 14:59 Transcription Available


In April 1981, Jeffrey Epstein testified before the Securities and Exchange Commission as part of an inquiry involving trading in St. Joe Minerals securities. Epstein described himself as a limited partner and account executive at Bear Stearns who assisted the sales force with commodities and financial-futures recommendations. The questioning focused heavily on his recent departure from the firm, his handling of client accounts and an incident in which he had loaned money to a close friend who used it in connection with a brokerage account. Epstein acknowledged making the loan but insisted it had not been concealed and said he had not initially understood that such an arrangement presented a regulatory problem.Epstein maintained that his resignation was unrelated to the St. Joe Minerals investigation and said he left because he was dissatisfied with how Bear Stearns handled the inquiry into the loan. He repeatedly denied discussing St. Joe Minerals with members of the firm's executive committee and portrayed his departure as voluntary, submitting resignation letters dated March 12 and March 25. The testimony also revealed details about his rapid rise at Bear Stearns and his compensation: he said he had earned more than $200,000 the previous year, including a $135,000 bonus, and expected another sizable payment after leaving. Overall, the deposition showed Epstein defending his conduct, minimizing the seriousness of the loan arrangement and distancing his resignation from the securities matter under investigation.to contact me:bobbycapucci@protonmail.comsource:Jeffrey Epstein Transcript and Exhibits

Beyond The Horizon
Jeffrey Epstein And The Transcript From His 1981 SEC Deposition (Part 3) (7/27/26)

Beyond The Horizon

Play Episode Listen Later Jul 28, 2026 12:11 Transcription Available


In April 1981, Jeffrey Epstein testified before the Securities and Exchange Commission as part of an inquiry involving trading in St. Joe Minerals securities. Epstein described himself as a limited partner and account executive at Bear Stearns who assisted the sales force with commodities and financial-futures recommendations. The questioning focused heavily on his recent departure from the firm, his handling of client accounts and an incident in which he had loaned money to a close friend who used it in connection with a brokerage account. Epstein acknowledged making the loan but insisted it had not been concealed and said he had not initially understood that such an arrangement presented a regulatory problem.Epstein maintained that his resignation was unrelated to the St. Joe Minerals investigation and said he left because he was dissatisfied with how Bear Stearns handled the inquiry into the loan. He repeatedly denied discussing St. Joe Minerals with members of the firm's executive committee and portrayed his departure as voluntary, submitting resignation letters dated March 12 and March 25. The testimony also revealed details about his rapid rise at Bear Stearns and his compensation: he said he had earned more than $200,000 the previous year, including a $135,000 bonus, and expected another sizable payment after leaving. Overall, the deposition showed Epstein defending his conduct, minimizing the seriousness of the loan arrangement and distancing his resignation from the securities matter under investigation.to contact me:bobbycapucci@protonmail.comsource:Jeffrey Epstein Transcript and Exhibits

Beyond The Horizon
Jeffrey Epstein And The Transcript From His 1981 SEC Deposition (Part 4) (7/27/26)

Beyond The Horizon

Play Episode Listen Later Jul 28, 2026 12:09 Transcription Available


In April 1981, Jeffrey Epstein testified before the Securities and Exchange Commission as part of an inquiry involving trading in St. Joe Minerals securities. Epstein described himself as a limited partner and account executive at Bear Stearns who assisted the sales force with commodities and financial-futures recommendations. The questioning focused heavily on his recent departure from the firm, his handling of client accounts and an incident in which he had loaned money to a close friend who used it in connection with a brokerage account. Epstein acknowledged making the loan but insisted it had not been concealed and said he had not initially understood that such an arrangement presented a regulatory problem.Epstein maintained that his resignation was unrelated to the St. Joe Minerals investigation and said he left because he was dissatisfied with how Bear Stearns handled the inquiry into the loan. He repeatedly denied discussing St. Joe Minerals with members of the firm's executive committee and portrayed his departure as voluntary, submitting resignation letters dated March 12 and March 25. The testimony also revealed details about his rapid rise at Bear Stearns and his compensation: he said he had earned more than $200,000 the previous year, including a $135,000 bonus, and expected another sizable payment after leaving. Overall, the deposition showed Epstein defending his conduct, minimizing the seriousness of the loan arrangement and distancing his resignation from the securities matter under investigation.to contact me:bobbycapucci@protonmail.comsource:Jeffrey Epstein Transcript and Exhibits

Beyond The Horizon
Jeffrey Epstein And The Transcript From His 1981 SEC Deposition (Part 2) (7/27/26)

Beyond The Horizon

Play Episode Listen Later Jul 28, 2026 12:56 Transcription Available


In April 1981, Jeffrey Epstein testified before the Securities and Exchange Commission as part of an inquiry involving trading in St. Joe Minerals securities. Epstein described himself as a limited partner and account executive at Bear Stearns who assisted the sales force with commodities and financial-futures recommendations. The questioning focused heavily on his recent departure from the firm, his handling of client accounts and an incident in which he had loaned money to a close friend who used it in connection with a brokerage account. Epstein acknowledged making the loan but insisted it had not been concealed and said he had not initially understood that such an arrangement presented a regulatory problem.Epstein maintained that his resignation was unrelated to the St. Joe Minerals investigation and said he left because he was dissatisfied with how Bear Stearns handled the inquiry into the loan. He repeatedly denied discussing St. Joe Minerals with members of the firm's executive committee and portrayed his departure as voluntary, submitting resignation letters dated March 12 and March 25. The testimony also revealed details about his rapid rise at Bear Stearns and his compensation: he said he had earned more than $200,000 the previous year, including a $135,000 bonus, and expected another sizable payment after leaving. Overall, the deposition showed Epstein defending his conduct, minimizing the seriousness of the loan arrangement and distancing his resignation from the securities matter under investigation.to contact me:bobbycapucci@protonmail.comsource:Jeffrey Epstein Transcript and Exhibits

The Moscow Murders and More
Jeffrey Epstein And The Transcript From His 1981 SEC Deposition (Part 3) (7/28/26)

The Moscow Murders and More

Play Episode Listen Later Jul 28, 2026 12:11 Transcription Available


In April 1981, Jeffrey Epstein testified before the Securities and Exchange Commission as part of an inquiry involving trading in St. Joe Minerals securities. Epstein described himself as a limited partner and account executive at Bear Stearns who assisted the sales force with commodities and financial-futures recommendations. The questioning focused heavily on his recent departure from the firm, his handling of client accounts and an incident in which he had loaned money to a close friend who used it in connection with a brokerage account. Epstein acknowledged making the loan but insisted it had not been concealed and said he had not initially understood that such an arrangement presented a regulatory problem.Epstein maintained that his resignation was unrelated to the St. Joe Minerals investigation and said he left because he was dissatisfied with how Bear Stearns handled the inquiry into the loan. He repeatedly denied discussing St. Joe Minerals with members of the firm's executive committee and portrayed his departure as voluntary, submitting resignation letters dated March 12 and March 25. The testimony also revealed details about his rapid rise at Bear Stearns and his compensation: he said he had earned more than $200,000 the previous year, including a $135,000 bonus, and expected another sizable payment after leaving. Overall, the deposition showed Epstein defending his conduct, minimizing the seriousness of the loan arrangement and distancing his resignation from the securities matter under investigation.to contact me:bobbycapucci@protonmail.comsource:Jeffrey Epstein Transcript and ExhibitsBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-moscow-murders-and-more--5852883/support.

The Moscow Murders and More
Jeffrey Epstein And The Transcript From His 1981 SEC Deposition (Part 2) (7/28/26)

The Moscow Murders and More

Play Episode Listen Later Jul 28, 2026 12:56 Transcription Available


In April 1981, Jeffrey Epstein testified before the Securities and Exchange Commission as part of an inquiry involving trading in St. Joe Minerals securities. Epstein described himself as a limited partner and account executive at Bear Stearns who assisted the sales force with commodities and financial-futures recommendations. The questioning focused heavily on his recent departure from the firm, his handling of client accounts and an incident in which he had loaned money to a close friend who used it in connection with a brokerage account. Epstein acknowledged making the loan but insisted it had not been concealed and said he had not initially understood that such an arrangement presented a regulatory problem.Epstein maintained that his resignation was unrelated to the St. Joe Minerals investigation and said he left because he was dissatisfied with how Bear Stearns handled the inquiry into the loan. He repeatedly denied discussing St. Joe Minerals with members of the firm's executive committee and portrayed his departure as voluntary, submitting resignation letters dated March 12 and March 25. The testimony also revealed details about his rapid rise at Bear Stearns and his compensation: he said he had earned more than $200,000 the previous year, including a $135,000 bonus, and expected another sizable payment after leaving. Overall, the deposition showed Epstein defending his conduct, minimizing the seriousness of the loan arrangement and distancing his resignation from the securities matter under investigation.to contact me:bobbycapucci@protonmail.comsource:Jeffrey Epstein Transcript and ExhibitsBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-moscow-murders-and-more--5852883/support.

The Moscow Murders and More
Jeffrey Epstein And The Transcript From His 1981 SEC Deposition (Part 1) (7/28/26)

The Moscow Murders and More

Play Episode Listen Later Jul 28, 2026 14:59 Transcription Available


In April 1981, Jeffrey Epstein testified before the Securities and Exchange Commission as part of an inquiry involving trading in St. Joe Minerals securities. Epstein described himself as a limited partner and account executive at Bear Stearns who assisted the sales force with commodities and financial-futures recommendations. The questioning focused heavily on his recent departure from the firm, his handling of client accounts and an incident in which he had loaned money to a close friend who used it in connection with a brokerage account. Epstein acknowledged making the loan but insisted it had not been concealed and said he had not initially understood that such an arrangement presented a regulatory problem.Epstein maintained that his resignation was unrelated to the St. Joe Minerals investigation and said he left because he was dissatisfied with how Bear Stearns handled the inquiry into the loan. He repeatedly denied discussing St. Joe Minerals with members of the firm's executive committee and portrayed his departure as voluntary, submitting resignation letters dated March 12 and March 25. The testimony also revealed details about his rapid rise at Bear Stearns and his compensation: he said he had earned more than $200,000 the previous year, including a $135,000 bonus, and expected another sizable payment after leaving. Overall, the deposition showed Epstein defending his conduct, minimizing the seriousness of the loan arrangement and distancing his resignation from the securities matter under investigation.to contact me:bobbycapucci@protonmail.comsource:Jeffrey Epstein Transcript and ExhibitsBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-moscow-murders-and-more--5852883/support.

The Epstein Chronicles
Jeffrey Epstein And The Transcript From His 1981 SEC Deposition (Part 4) (7/27/26)

The Epstein Chronicles

Play Episode Listen Later Jul 27, 2026 12:09 Transcription Available


In April 1981, Jeffrey Epstein testified before the Securities and Exchange Commission as part of an inquiry involving trading in St. Joe Minerals securities. Epstein described himself as a limited partner and account executive at Bear Stearns who assisted the sales force with commodities and financial-futures recommendations. The questioning focused heavily on his recent departure from the firm, his handling of client accounts and an incident in which he had loaned money to a close friend who used it in connection with a brokerage account. Epstein acknowledged making the loan but insisted it had not been concealed and said he had not initially understood that such an arrangement presented a regulatory problem.Epstein maintained that his resignation was unrelated to the St. Joe Minerals investigation and said he left because he was dissatisfied with how Bear Stearns handled the inquiry into the loan. He repeatedly denied discussing St. Joe Minerals with members of the firm's executive committee and portrayed his departure as voluntary, submitting resignation letters dated March 12 and March 25. The testimony also revealed details about his rapid rise at Bear Stearns and his compensation: he said he had earned more than $200,000 the previous year, including a $135,000 bonus, and expected another sizable payment after leaving. Overall, the deposition showed Epstein defending his conduct, minimizing the seriousness of the loan arrangement and distancing his resignation from the securities matter under investigation.to contact me:bobbycapucci@protonmail.comsource:Jeffrey Epstein Transcript and ExhibitsBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.

Beyond The Horizon
Doug Band And His Epstein Related Congressional Transcript (Part 7) (7/25/26)

Beyond The Horizon

Play Episode Listen Later Jul 26, 2026 11:46 Transcription Available


In April 1981, Jeffrey Epstein testified before the Securities and Exchange Commission as part of an inquiry involving trading in St. Joe Minerals securities. Epstein described himself as a limited partner and account executive at Bear Stearns who assisted the sales force with commodities and financial-futures recommendations. The questioning focused heavily on his recent departure from the firm, his handling of client accounts and an incident in which he had loaned money to a close friend who used it in connection with a brokerage account. Epstein acknowledged making the loan but insisted it had not been concealed and said he had not initially understood that such an arrangement presented a regulatory problem.Epstein maintained that his resignation was unrelated to the St. Joe Minerals investigation and said he left because he was dissatisfied with how Bear Stearns handled the inquiry into the loan. He repeatedly denied discussing St. Joe Minerals with members of the firm's executive committee and portrayed his departure as voluntary, submitting resignation letters dated March 12 and March 25. The testimony also revealed details about his rapid rise at Bear Stearns and his compensation: he said he had earned more than $200,000 the previous year, including a $135,000 bonus, and expected another sizable payment after leaving. Overall, the deposition showed Epstein defending his conduct, minimizing the seriousness of the loan arrangement and distancing his resignation from the securities matter under investigation.to contact me:bobbycapucci@protonmail.comsource:Jeffrey Epstein Transcript and Exhibits

Beyond The Horizon
Doug Band And His Epstein Related Congressional Transcript (Part 8) (7/25/26)

Beyond The Horizon

Play Episode Listen Later Jul 26, 2026 13:42 Transcription Available


In April 1981, Jeffrey Epstein testified before the Securities and Exchange Commission as part of an inquiry involving trading in St. Joe Minerals securities. Epstein described himself as a limited partner and account executive at Bear Stearns who assisted the sales force with commodities and financial-futures recommendations. The questioning focused heavily on his recent departure from the firm, his handling of client accounts and an incident in which he had loaned money to a close friend who used it in connection with a brokerage account. Epstein acknowledged making the loan but insisted it had not been concealed and said he had not initially understood that such an arrangement presented a regulatory problem.Epstein maintained that his resignation was unrelated to the St. Joe Minerals investigation and said he left because he was dissatisfied with how Bear Stearns handled the inquiry into the loan. He repeatedly denied discussing St. Joe Minerals with members of the firm's executive committee and portrayed his departure as voluntary, submitting resignation letters dated March 12 and March 25. The testimony also revealed details about his rapid rise at Bear Stearns and his compensation: he said he had earned more than $200,000 the previous year, including a $135,000 bonus, and expected another sizable payment after leaving. Overall, the deposition showed Epstein defending his conduct, minimizing the seriousness of the loan arrangement and distancing his resignation from the securities matter under investigation.to contact me:bobbycapucci@protonmail.comsource:Jeffrey Epstein Transcript and Exhibits

Beyond The Horizon
Doug Band And His Epstein Related Congressional Transcript (Part 9) (7/26/26)

Beyond The Horizon

Play Episode Listen Later Jul 26, 2026 18:33 Transcription Available


In April 1981, Jeffrey Epstein testified before the Securities and Exchange Commission as part of an inquiry involving trading in St. Joe Minerals securities. Epstein described himself as a limited partner and account executive at Bear Stearns who assisted the sales force with commodities and financial-futures recommendations. The questioning focused heavily on his recent departure from the firm, his handling of client accounts and an incident in which he had loaned money to a close friend who used it in connection with a brokerage account. Epstein acknowledged making the loan but insisted it had not been concealed and said he had not initially understood that such an arrangement presented a regulatory problem.Epstein maintained that his resignation was unrelated to the St. Joe Minerals investigation and said he left because he was dissatisfied with how Bear Stearns handled the inquiry into the loan. He repeatedly denied discussing St. Joe Minerals with members of the firm's executive committee and portrayed his departure as voluntary, submitting resignation letters dated March 12 and March 25. The testimony also revealed details about his rapid rise at Bear Stearns and his compensation: he said he had earned more than $200,000 the previous year, including a $135,000 bonus, and expected another sizable payment after leaving. Overall, the deposition showed Epstein defending his conduct, minimizing the seriousness of the loan arrangement and distancing his resignation from the securities matter under investigation.to contact me:bobbycapucci@protonmail.comsource:Jeffrey Epstein Transcript and Exhibits

The Epstein Chronicles
Jeffrey Epstein And The Transcript From His 1981 SEC Deposition (Part 3) (7/26/26)

The Epstein Chronicles

Play Episode Listen Later Jul 26, 2026 12:11 Transcription Available


In April 1981, Jeffrey Epstein testified before the Securities and Exchange Commission as part of an inquiry involving trading in St. Joe Minerals securities. Epstein described himself as a limited partner and account executive at Bear Stearns who assisted the sales force with commodities and financial-futures recommendations. The questioning focused heavily on his recent departure from the firm, his handling of client accounts and an incident in which he had loaned money to a close friend who used it in connection with a brokerage account. Epstein acknowledged making the loan but insisted it had not been concealed and said he had not initially understood that such an arrangement presented a regulatory problem.Epstein maintained that his resignation was unrelated to the St. Joe Minerals investigation and said he left because he was dissatisfied with how Bear Stearns handled the inquiry into the loan. He repeatedly denied discussing St. Joe Minerals with members of the firm's executive committee and portrayed his departure as voluntary, submitting resignation letters dated March 12 and March 25. The testimony also revealed details about his rapid rise at Bear Stearns and his compensation: he said he had earned more than $200,000 the previous year, including a $135,000 bonus, and expected another sizable payment after leaving. Overall, the deposition showed Epstein defending his conduct, minimizing the seriousness of the loan arrangement and distancing his resignation from the securities matter under investigation.to contact me:bobbycapucci@protonmail.comsource:Jeffrey Epstein Transcript and ExhibitsBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.

The Epstein Chronicles
Jeffrey Epstein And The Transcript From His 1981 SEC Deposition (Part 2) (7/26/26)

The Epstein Chronicles

Play Episode Listen Later Jul 26, 2026 12:56 Transcription Available


In April 1981, Jeffrey Epstein testified before the Securities and Exchange Commission as part of an inquiry involving trading in St. Joe Minerals securities. Epstein described himself as a limited partner and account executive at Bear Stearns who assisted the sales force with commodities and financial-futures recommendations. The questioning focused heavily on his recent departure from the firm, his handling of client accounts and an incident in which he had loaned money to a close friend who used it in connection with a brokerage account. Epstein acknowledged making the loan but insisted it had not been concealed and said he had not initially understood that such an arrangement presented a regulatory problem.Epstein maintained that his resignation was unrelated to the St. Joe Minerals investigation and said he left because he was dissatisfied with how Bear Stearns handled the inquiry into the loan. He repeatedly denied discussing St. Joe Minerals with members of the firm's executive committee and portrayed his departure as voluntary, submitting resignation letters dated March 12 and March 25. The testimony also revealed details about his rapid rise at Bear Stearns and his compensation: he said he had earned more than $200,000 the previous year, including a $135,000 bonus, and expected another sizable payment after leaving. Overall, the deposition showed Epstein defending his conduct, minimizing the seriousness of the loan arrangement and distancing his resignation from the securities matter under investigation.to contact me:bobbycapucci@protonmail.comsource:Jeffrey Epstein Transcript and ExhibitsBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.

The Epstein Chronicles
Jeffrey Epstein And The Transcript From His 1981 SEC Deposition (Part 1) (7/26/26)

The Epstein Chronicles

Play Episode Listen Later Jul 26, 2026 14:59 Transcription Available


In April 1981, Jeffrey Epstein testified before the Securities and Exchange Commission as part of an inquiry involving trading in St. Joe Minerals securities. Epstein described himself as a limited partner and account executive at Bear Stearns who assisted the sales force with commodities and financial-futures recommendations. The questioning focused heavily on his recent departure from the firm, his handling of client accounts and an incident in which he had loaned money to a close friend who used it in connection with a brokerage account. Epstein acknowledged making the loan but insisted it had not been concealed and said he had not initially understood that such an arrangement presented a regulatory problem.Epstein maintained that his resignation was unrelated to the St. Joe Minerals investigation and said he left because he was dissatisfied with how Bear Stearns handled the inquiry into the loan. He repeatedly denied discussing St. Joe Minerals with members of the firm's executive committee and portrayed his departure as voluntary, submitting resignation letters dated March 12 and March 25. The testimony also revealed details about his rapid rise at Bear Stearns and his compensation: he said he had earned more than $200,000 the previous year, including a $135,000 bonus, and expected another sizable payment after leaving. Overall, the deposition showed Epstein defending his conduct, minimizing the seriousness of the loan arrangement and distancing his resignation from the securities matter under investigation.to contact me:bobbycapucci@protonmail.comsource:Jeffrey Epstein Transcript and ExhibitsBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.

Bond Investment Mentor
Managing Portfolio Duration

Bond Investment Mentor

Play Episode Listen Later Jul 23, 2026 37:06


Welcome to Bond Investment Mentor! In this episode, Chris discusses investment portfolio duration management and why it matters for community financial institutions. He also shares a four-step process to help you manage investment duration systematically. In this episode: Market & Fed update (2:15) Changing Fed communications (4:29) Managing portfolio duration (10:19) The two definitions of duration Why managing investment duration matters Setting duration targets & portfolio management techniques Helping institutions with investment strategy development (Learn More)  (32:54) If you have questions about anything covered in this episode, please email me at Chris @ BondInvestmentMentor.com. Do you know someone who could benefit from this information? Please share this episode and podcast with them! You will find more articles, tips, and resources about fixed-income investing and portfolio management at BondInvestmentMentor.com. Check it out! Let's Connect via Social Media! LinkedIn: Christopher Nelson, CFA Connect with Nelson Capital Advisors Interested in discussing how these concepts apply to your institution? I'd welcome the conversation. Email: Chris@NelsonCapitalAdvisors.com Phone: 207-420-2442 Website: NelsonCapitalAdvisors.com About Nelson Capital Advisors Nelson Capital Advisors is a registered investment adviser with the U.S. Securities and Exchange Commission, specializing in serving community banks and credit unions. We provide investment advisory services, portfolio management consulting, investment policy development, and fixed-income strategy guidance. Bond Investment Mentor LLC and Nelson Capital Advisors are commonly owned entities. For detailed information about Nelson Capital Advisors' services, fees, and potential conflicts of interest, please review our Form ADV Part 2A brochure. Important Disclaimer The content in this podcast is for educational and informational purposes only and should not be considered personalized investment advice for your specific situation. For advice tailored to your institution's needs, please contact Nelson Capital Advisors directly.

Galaxy Brains
Can Bitcoin Survive AI & Quantum? with Nic Carter

Galaxy Brains

Play Episode Listen Later Jul 23, 2026 83:57


Alex Thorn talks with Nic Carter (Castle Island) about artificial intelligence, quantum computing, and bitcoin development. Alex and Nic discuss rapidly improving AI models, governments' likely safety and regulatory responses, competition between frontier labs and open source models, and how markets will evolve due to AI advancement. Alex and Nic also discuss the announcement of the Bitcoin Security Consortium and Bitcoin's need to address quantum computing. Alex also talks with Beimnet Abebe (Galaxy Trading) about markets. Participants, along with Galaxy Digital, hold a financial interest in Bitcoin (BTC). Galaxy regularly engages in buying and selling BTC, including hedging transactions, for its own proprietary accounts and on behalf of its counterparties. Galaxy also provides services to vehicles that invest in BTC.  If the value of such assets increases, those vehicles may benefit, and Galaxy's service fees may increase accordingly. The valuation in this communication is based on technical, fundamental, and market analysis and not on any formal valuation method. For more information, please refer to Galaxy's public filings and statements. Cryptocurrencies, including BTC, are inherently volatile and risky and ultimate market movements may not align with this statement.   For additional risks related to digital assets, please refer to the risk factors contained in filings Galaxy Digital Inc. makes with the Securities and Exchange Commission (the “SEC”) from time to time, including its Quarterly Report on Form 10-Q, available at www.sec.gov.

Lawfare No Bull
Confirmation Hearing for Director of National Intelligence Nominee Jay Clayton

Lawfare No Bull

Play Episode Listen Later Jul 20, 2026 73:43


On July 15th, the Senate Intelligence Committee held a confirmation hearing for Jay Clayton, President Trump's nominee for director of national intelligence. Republicans on the committee asked Clayton about his experience working with the intelligence community as chair of the Securities and Exchange Commission and U.S. Attorney for the Southern District of New York, while Democrats pressed him about claims of alleged fraud in the 2020 presidential election and subpoenas issued to journalists from the New York Times. Hosted on Acast. See acast.com/privacy for more information.

Best In Wealth - Best Practices for Real People, Investments, Retirement Planning, Money Management, Wealth Building, Financi

Retirement is the beginning of a new chapter, full of opportunity, challenges, and critical decisions about your financial future. Protecting your retirement means understanding and proactively managing the most significant risks you will face. On the show this week, I explore the five biggest risks to a secure retirement and outline strategies to help you and your family prepare for the road ahead.Outliving Your MoneyMost people underestimate how long their retirement might last. According to Social Security actuarial data, a 65-year-old man has a 50% chance of reaching age 84; for women, it's 87. For couples, there is an even chance at least one partner will live past 90, and a one-in-five chance one will reach 95. Planning for “average life expectancy” is not enough—by definition, half of retirees will outlive that average. Structure your retirement plan and savings to last up to 30 years.Market & Sequence of Returns RiskFuture investment returns are unknowable, especially as you near retirement. The sequence of those returns—the order in which market ups and downs occur—can determine whether you run out of money. A retiree who encounters a bear market early in retirement is far more vulnerable than someone hit with poor returns later on. I recommend you:De-Risk Your Portfolio Before Retirement: Gradually shift to safer assets in your final working years.Build a Cash Buffer: Maintaining three years of living expenses in cash or similarly stable assets lets you weather bear markets without selling investments at a loss.Stress Test Your Retirement Date: Can you still retire if the market drops 30% the year before retirement?Adopt a Flexible Withdrawal Plan: Use guardrails—predefined spending increases or cuts—to respond to market conditions.Health and Long-Term Care RiskHealthcare costs are one of the largest and least predictable components of retirement expenses. About 70% of people turning 65 will need some form of long-term care, which can cost upwards of $75,000–$130,000 per year, depending on the type of care. Critically, Medicare does not cover most long-term care needs. Evaluate whether you can self-insure or if you need to purchase long-term care insurance. Your decision window closes in your 50s and early 60s.Decision and Fraud RiskThe risk of making poor decisions—especially under stress—or falling victim to fraud is rising. Cognitive decline can begin well before it is noticeable, and with the rise of AI, scams are more convincing than ever. Put defensive measures in place, maybe add trusted contacts to your accounts, update power of attorney and beneficiaries, and set a family code word to combat scams involving cloned voices.Inflation RiskOver a 30-year retirement, even a modest inflation rate can erode your purchasing power by half. At 3% inflation, today's $60,000 lifestyle will require $120,000 in just 24 years. We all need to plan for rising costs, so periodically review and adjust your projections and spending patterns as prices change.Outline of This Episode[05:41] Optimizing Social Security Strategy[09:52] Managing Retirement Portfolio Risks[13:08] Planning for long-term care costs[14:47] Assessing long-term care options[19:20] Preparing family financial safeguards[21:50] Preparing for future challengesResources MentionedCost of Care Report | Carescout Connect With Scott WellensSchedule a discovery call with ScottSend a message to ScottVisit Fortress Planning GroupConnect with Scott on LinkedInFollow Scott on TwitterFortress Planning Group on FacebookSubscribe to Best In WealthAudio Production and Show Notes byPODCAST FAST TRACKhttps://www.podcastfasttrack.comPodcast Disclaimer:The Best In Wealth Podcast is hosted by Scott Wellens. Scott Wellens is the principal at Fortress Planning Group. Fortress Planning Group is a registered investment advisory firm regulated by the US Securities and Exchange Commission in accordance and compliance with securities laws and regulations. Fortress Planning Group does not render or offer to render personalized investment or tax advice through the Best In Wealth Podcast. The information provided is for informational purposes only and does not constitute financial, tax, investment or legal advice.*******************************************************************************************************

Your Business Your Life
134. Women Shop Owners: Build a Business That Thrives Without You with Hannah Chalker

Your Business Your Life

Play Episode Listen Later Jul 17, 2026 33:25


What makes women collision shop owners uniquely successful, and why can those same strengths make it harder to step away from the business?In this episode, Matt DiFrancesco is joined by Hannah Chalker, High Lift Financial's Director of Client Success, to discuss the unique challenges women face when building, leading, and eventually transitioning their collision repair businesses.From carrying the culture of the shop to managing the "invisible work" that often goes unnoticed, Hannah explains why many women become indispensable to their businesses and what it takes to create a company that can thrive without them.Matt and Hannah also talk about:(01:31) Operator vs. Owner: Why every woman shop owner must make the shift(02:22) Why women become the heart and soul of their collision repair business(03:27) Can your business survive without you? The question every owner must answer(05:57) Why emotional leadership is one of your greatest business strengths(06:23) The invisible work that's keeping your business running(09:54) How to turn awareness into action with a transition plan(10:13) Why clarity should come before strategy(10:51) How family dynamics can shape your business transition(11:37) The succession conversation that many families avoid(12:51) Why women often take a more thoughtful approach to succession planning(13:31) Fair vs. Equal: The family business conversation that matters most(16:32) How the High Lift Method helps women shop owners transition with confidence(20:58) Why every exit plan needs a customized roadmap(24:26) Why it's never too early to start planning your exit(26:29) Why asking for help is a sign of strong leadership(29:55) The advice every woman shop owner needsConnect With Hannah ChalkerWebsite:https://highliftfinancial.com/Email: hannah@highliftfin.comConnect With Matt DiFrancesco:matt@highliftfin.com(814)201-5855LinkedIn: Matt DiFrancescoLinkedIn: High Lift FinancialFacebook: High Lift Financial Instagram: @high_lift_financialYouTube: @highliftfinancialAbout the guest:Hannah Chalker is the Director of Client Success and Exit Planning Advisor at HighLift Financial, where she helps collision repair business owners build stronger, more valuable companies through strategic financial and exit planning. Working alongside Matt DiFrancesco, Hannah leads client success and value growth engagements with a special passion for supporting women collision shop owners as they navigate the unique challenges of leadership, succession planning, and building businesses that can thrive beyond their ownership.As a Certified Exit Planning Advisor (CEPA) and Certified Value Growth Advisor (CVGA), Hannah brings clarity and structure to every stage of the transition process. She helps owners align their personal and financial goals, increase the value of their businesses, protect the legacy they've worked so hard to build, and confidently prepare for what's next.Disclaimer:All information is obtained from sources deemed reliable, but not guaranteed. No tax or legal advice is given nor intended. Content provided herein or on our website should not be construed as an offer for investment advice or for securities, insurance, or other investment products. Investments involve the risk of loss and are not guaranteed. Consult a qualified legal, tax, accounting, or financial professional before implementing any investments or strategies discussed here.High Lift Financial is a DBA for DiFrancesco Financial Concierge, LLC.  Investment advisory services are provided through Cornerstone Planning Group, LLC, an independent advisory firm registered with the Securities and Exchange Commission.

Influential Entrepreneurs with Mike Saunders, MBA
Interview with Jon Bowles, Founder of JLB Financial

Influential Entrepreneurs with Mike Saunders, MBA

Play Episode Listen Later Jul 16, 2026 23:02


For nearly three decades, He has helped Southern California families plan for complex financial goals — building retirement income, protecting what they've earned, managing taxes, and passing on what matters to the people they love.Since 1997, Jon has worked with hundreds of individuals, families, and business owners to build and execute comprehensive retirement income plans. I've guided clients through two major economic downturns, and those experiences shaped the cornerstone of my practice: preserving capital comes first. Growth matters, but in retirement, what you keep matters more.His approach is holistic. He looks at the financial house from every angle — wealth management, retirement income, tax planning, Medicare and IRMAA exposure, Social Security timing, and legacy — because these pieces don't work in isolation, and neither should your plan. Trust review and trust planning are a core part of that work: he regularly helps families make sure their trusts still reflect their wishes, their assets, and current law — not the circumstances of a decade ago. And as an IRMAA Certified Planner, Jon pays particular attention to a cost most retirees never see coming: Medicare premium surcharges that can quietly drain tens of thousands from a retirement over time.Jon is a graduate of UCLA and began his career at Morgan Stanley Dean Witter, followed by Citi Personal Wealth Management and NettWorth Financial Group, before founding his own firm. That path — from Wall Street institutions to independent practice — was deliberate. Independence means his recommendations answer to people's goals, not a product shelf.Away from the office, Jon is a husband and father of three. His wife, an attorney, and I built our family the same way he helps clients build their retirements: with hard work, discipline, and a long view. Watching their kids grow into their own success is a daily reminder of why this work matters — a well-built plan isn't just about them. It's about everyone who comes after them.Whether they're just beginning to think about retirement or need a second opinion on an existing plan, He'll take the time to understand their unique situation and give them straight answers.Jon L. Bowles is an investment adviser representative with Secure Investment Management and holds California Insurance License #0C88392.Learn more: http://www.jlbfinanciallegacyplanning.com/Secure Investment Management, LLC (“SIM”) is an investment adviser registered with the U.S. Securities and Exchange Commission. Registration as an investment adviser does not imply a certain level of skill or training. Our Form ADV disclosure documents are available upon request or on the SEC's Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-jon-bowles-founder-of-jlb-financial

Business Innovators Radio
Interview with Jon Bowles, Founder of JLB Financial

Business Innovators Radio

Play Episode Listen Later Jul 16, 2026 23:02


For nearly three decades, He has helped Southern California families plan for complex financial goals — building retirement income, protecting what they've earned, managing taxes, and passing on what matters to the people they love.Since 1997, Jon has worked with hundreds of individuals, families, and business owners to build and execute comprehensive retirement income plans. I've guided clients through two major economic downturns, and those experiences shaped the cornerstone of my practice: preserving capital comes first. Growth matters, but in retirement, what you keep matters more.His approach is holistic. He looks at the financial house from every angle — wealth management, retirement income, tax planning, Medicare and IRMAA exposure, Social Security timing, and legacy — because these pieces don't work in isolation, and neither should your plan. Trust review and trust planning are a core part of that work: he regularly helps families make sure their trusts still reflect their wishes, their assets, and current law — not the circumstances of a decade ago. And as an IRMAA Certified Planner, Jon pays particular attention to a cost most retirees never see coming: Medicare premium surcharges that can quietly drain tens of thousands from a retirement over time.Jon is a graduate of UCLA and began his career at Morgan Stanley Dean Witter, followed by Citi Personal Wealth Management and NettWorth Financial Group, before founding his own firm. That path — from Wall Street institutions to independent practice — was deliberate. Independence means his recommendations answer to people's goals, not a product shelf.Away from the office, Jon is a husband and father of three. His wife, an attorney, and I built our family the same way he helps clients build their retirements: with hard work, discipline, and a long view. Watching their kids grow into their own success is a daily reminder of why this work matters — a well-built plan isn't just about them. It's about everyone who comes after them.Whether they're just beginning to think about retirement or need a second opinion on an existing plan, He'll take the time to understand their unique situation and give them straight answers.Jon L. Bowles is an investment adviser representative with Secure Investment Management and holds California Insurance License #0C88392.Learn more: http://www.jlbfinanciallegacyplanning.com/Secure Investment Management, LLC (“SIM”) is an investment adviser registered with the U.S. Securities and Exchange Commission. Registration as an investment adviser does not imply a certain level of skill or training. Our Form ADV disclosure documents are available upon request or on the SEC's Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-jon-bowles-founder-of-jlb-financial

Galaxy Brains
Compute Capital Markets with Lucas Tcheyan

Galaxy Brains

Play Episode Listen Later Jul 16, 2026 43:29


Alex Thorn talks with Lucas Tcheyan (Galaxy Research) about compute, AI, and GPU financial markets. Alex also talks with Beimnet Abebe (Galaxy Trading) about CPI, rates, equities, and bitcoin. Participants, along with Galaxy Digital, hold a financial interest in Bitcoin (BTC). Galaxy regularly engages in buying and selling BTC, including hedging transactions, for its own proprietary accounts and on behalf of its counterparties. Galaxy also provides services to vehicles that invest in BTC.  If the value of such assets increases, those vehicles may benefit, and Galaxy's service fees may increase accordingly. The valuation in this communication is based on technical, fundamental, and market analysis and not on any formal valuation method. For more information, please refer to Galaxy's public filings and statements. Cryptocurrencies, including BTC, are inherently volatile and risky and ultimate market movements may not align with this statement.   For additional risks related to digital assets, please refer to the risk factors contained in filings Galaxy Digital Inc. makes with the Securities and Exchange Commission (the “SEC”) from time to time, including its Quarterly Report on Form 10-Q, available at www.sec.gov. This episode was recorded on Wednesday, July 15, 2026. ++ Follow us on Twitter, @glxyresearch, and read our research at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.galaxy.com/research/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to learn more! This podcast, and the information contained herein, has been provided to you by Galaxy Digital Holdings LP and its affiliates (“Galaxy Digital”) solely for informational purposes. View the full disclaimer at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.galaxy.com/disclaimer-galaxy-brains-podcast/⁠⁠⁠⁠⁠⁠⁠⁠

Potomac Perspective with Brian Gardner

The sudden death of Senator Lindsey Graham will likely impact the upcoming congressional agenda. In the latest episode of Potomac Perspective, Stifel Chief Washington Policy Strategist Brian Gardner and co-host Neil Shapiro explain why budget matters may be most affected. Plus, Democrats shoot down a defense bill in protest over the war in Iran and why New York is temporarily pulling the plug on AT data center construction. This material is prepared by the Washington Policy Strategy Group of Stifel, Nicolaus & Company, Incorporated (“Stifel”). This material is for informational purposes only and is not an offer or solicitation to purchase or sell any security or instrument or to participate in any trading strategy discussed herein. The information contained is taken from sources believed to be reliable, but is not guaranteed by Stifel as to accuracy or completeness. The opinions expressed are those of the Washington Policy Strategy Group and may differ from those of other departments that produce similar material and are current as of the date of this publication and are subject to change without notice. Past performance is not necessarily a guide to future performance. Stifel does not provide accounting, tax, or legal advice and clients are advised to consult with their accounting, tax, or legal advisors prior to making any investment decision. Additional information is available upon request. Stifel, Nicolaus & Company, Incorporated is a broker-dealer registered with the United States Securities and Exchange Commission and is a member SIPC & NYSE. ©2026See omnystudio.com/listener for privacy information.

Unusual Whales
Psychology of a Trader with Wayne Hoffman | Unusual Whales Pod Ep. 73

Unusual Whales

Play Episode Listen Later Jul 13, 2026 93:31


In this episode of the Unusual Whales Pod, recorded live on the Unusual Whales live trading show WhaleWatch, our hosts Nicholas and Anthony are joined by mentalist Wayne Hoffman to dive into the psychology around trading and investing.To start us off, Nicholas breaks down some mental hang-ups he's run into over time, then Wayne breaks down the psychology involved, and how habits and impulsivity are sometimes making the decisions for you. Wayne provides a much clearer look into the human mind, and offers ways to mitigate the negative effects of our psychology, while bolstering the positive!At the end of the episode, Wayne demonstrates some of this psychology with a mentalist routine on Anthony; it's a must listen for new traders and investors alike!The video version of this interview is available on the Unusual Whales Spotify, here: https://open.spotify.com/show/78bNDTf6mLtvBB0RxPTspsHosted by:Nicholas FNS: https://twitter.com/NicholasFNSUnusual Whales: https://twitter.com/unusual_whalesThis Pod is not financial advice. Unusual Whales Inc. is not registered as a securities broker-dealer or an investment adviser with the U.S. Securities and Exchange Commission, the Financial Industry Regulatory Authority (“FINRA”) or any state securities regulatory authority. The stock market is risky, and any trade or investment is expected to have some, or total, loss. Please do research before any trade. Do not use this information for financial decisions or for investing. You should consult your legal or tax professional regarding your specific situation.Unusual Social Media:Discord: https://discord.com/invite/unusualwhalesFacebook: https://www.facebook.com/unusualwhalesInstagram: https://www.instagram.com/unusualwhales/Reddit: https://old.reddit.com/r/unusual_whales/TikTok: https://www.tiktok.com/@unusual_whalesTwitter: https://twitter.com/unusual_whalesYouTube: https://www.youtube.com/unusualwhales/Merch: https://unusual-whales.creator-spring.com/**Disclaimer:Any content referenced in the video or on Unusual Whales are not intended to provide legal, tax, investment or insurance advice. Unusual Whales Inc. is not registered as a securities broker-dealer or an investment adviser with the U.S. Securities and Exchange Commission, the Financial Industry Regulatory Authority (“FINRA”) or any state securities regulatory authority.

Money Life with Chuck Jaffe
Stack Financial's Jonson foresees a 'bear market waterfall' ahead

Money Life with Chuck Jaffe

Play Episode Listen Later Jul 10, 2026 63:18


Zach Jonson, chief investment officer at Stack Financial Management, says the stock market is  building towards "one of the biggest or largest bear markets of our generation," but he says that decline will impact passive, broad-index investors the most. "We see a true long-term, 12- to 18-month, 45 to 50 downturn, and that's in the S&P; if you look at the Nasdaq, you could really see some losses that are in excess of 70 percent," Jonson said. He's worried about a "bear market waterfall" — where every decline is not met with a quick return back to new highs — that makes it emotionally difficult for investors to buy into dips, but he does say that being patient and strategic should allow investors to find pockets of opportunity amid the decline, positioning them to profit when the pendulum swings back to the upside. Axel Merk, president and chief investment officer at Merk Investments, discusses Saba Capital's activist campaign that recently saw him booted as portfolio manager for ASA Gold and Precious Metals Ltd., a closed-end fund that was up nearly 200% last year and that was at the top of its peer group since Merk took it over in 2016. Still, the activist shareholders labeled it a poor performer, and are working now to capture the fund's discount. Meanwhile, Saba has installed new leadership which Merk says has no experience running a gold fund. He filed with the Securities and Exchange Commission and made other efforts to save the fund, but acknowledges that a change in status is unlikely. Merk also discusses his outlook for gold in the interview. Adam Gebler, head of wealth for the Americas at FTSE Russell, discusses the firm's 2026 U.S. Wealth Pulse Survey, which showed that private markets — both equity and credit — are continuing to move into the mainstream with affluent investors, driven largely by financial advisers pushing for their adoption and acceptance in portfolios.