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Have you ever reached the end of the week and wondered where the time went? So many people today are living on autopilot. Rushing through routines, reacting to stress, checking boxes, and postponing joy for “someday.” But functioning and truly living are not the same thing. In this episode of Balanced, Fit & Free, Rae Anne dives into what it really means to live intentionally instead of unconsciously drifting through life. She explores how autopilot can disconnect us from ourselves, our relationships, our values, and even the beauty of everyday life. You'll also learn why slowing down and becoming more aware can sometimes bring up uncomfortable emotions, old memories, or unresolved stress — and why that's actually part of the healing process. This episode is a reminder that your body is incredible, life itself is miraculous, and the present moment is where your life is actually happening. In This Episode You'll Learn: • What it means to live on “autopilot” • Why so many people feel disconnected, burned out, or stuck • How stress and past experiences can keep us emotionally numb or distracted • Why intentional living creates a deeper and more meaningful life • The importance of identifying your core values • How to stop postponing the things that matter most • Why your nervous system needs to feel safe before you can fully be present • 5 simple ways to start living more intentionally and in the moment Reflection Questions From This Episode • Where in your life are you living on autopilot? • Are your daily choices aligned with your core values? • What have you been postponing that truly matters to you? • What would it look like to become more present in your own life? Remember to rate, review, and subscribe to the podcast! Thank you! Join my FREE FB Group: https://www.facebook.com/groups/balancedfitfreelife Instagram: @raeannemullins Facebook: https://www.facebook.com/rae.a.mullins Website: www.raeannemullins.com
On today's episode, Editor in Chief Sarah Wheeler talks with Lead Analyst Logan Mohtashami about how oil prices and mortgage rates have moved this week amid the Iran conflict. Related to this episode: The Iran conflict hasn't pushed oil and yields higher this week — here's why HousingWire | YouTube More info about HousingWire The Top 5: Google expands real estate listing ads to all 50 states Why purchase applications are rising even as mortgage rates climb Existing home sales beat estimates, what it signals for 2026 Figure CEO Michael Tannenbaum on the strategy behind $717M Kiavi purchase CoStar targets Zillow Preview in amicus filing over MRED feed The HousingWire Daily podcast brings the full picture of the most compelling stories in the housing market reported across HousingWire. Each morning, listen to editor in chief Sarah Wheeler talk to leading industry voices and get a deeper look behind the scenes of the top mortgage and real estate.
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Dr. Shuvro Roy and Dr. Amanda Piquet discuss a brief overview of stiff person syndrome, as well as the trial and the trial results. Read more about this abstract on the AAN website. Show transcript: Dr. Shuvro Roy: Hi, this is Shuvro Roy from the University of Washington and welcome to today's Neurology Minute. I just wrapped a longer conversation with Amanda Piquet from the University of Colorado Anschutz School of Medicine. We were just talking about the recent Phase 2 trial evaluating Miv-cel Kyverna Therapeutics' anti-CD19 CAR T-cell therapy in patients with Stiff Person Syndrome. Amanda, would you mind taking us through a brief overview of SPS as well as the trial and their trial results? Dr. Amanda Piquet: So Stiff Person Syndrome, or SPS, is a rare disabling autoimmune neurologic disease with a major unmet need. About 80% of patients ultimately lose their mobility and we currently have no FDA approved therapies. Existing treatments like IVIG, rituximab, and plasmapheresis are all used off label, often requiring chronic dosing and frequently failing to stop progression. KYSA-8 is a registrational Phase 2 study of 26 patients with refractory SPS. Patients experienced rapid, statistically significant and clinically meaningful improvement across all primary and secondary endpoints. Primary endpoint was the timed 25-foot walk. And this improved by a median of 46% at 16 weeks. Of patients requiring walking aids at baseline, about two thirds no longer needed them by week 16 to complete that 25-foot walk. Some patients who had struggled to walk were even able to run again after treatment. Another key finding was that all patients discontinued chronic immune therapies and remained off treatment as of the last follow-up. From a safety standpoint, miv-cel was generally well tolerated, with no high grade CRS or ICANS observed. In my opinion, these outcomes are unlike anything we've seen previously with Stiff Person Syndrome and may represent a paradigm shift, not only for SPS, but potentially for other antibody-mediated neurologic diseases more broadly. Dr. Shuvro Roy: Just curious, are there any upcoming implications for the application of this treatment for patients, you think, in the coming year or so? Dr. Amanda Piquet: Kyverna, the company who developed miv-cel, has initiated a rolling BLA with the FDA for potential approval and this would be, if approved, the first CAR-T therapy for SPS. So we're anxiously awaiting the outcome of that process. Dr. Shuvro Roy: Fantastic. Amanda, thank you so much for your time. And if you are intrigued and want to know more details behind the findings in the study as well as a conversation around CAR-T therapy for autoimmune neurologic disease as a whole, I encourage you to check out the Neurology Podcast feed for our full conversation there. Thanks for tuning in.
Dr. Shuvro Roy and Dr. Amanda Piquet discuss a brief overview of stiff person syndrome, as well as the trial and the trial results. Read more about this abstract on the AAN website. Show transcript: Dr. Shuvro Roy: Hi, this is Shuvro Roy from the University of Washington and welcome to today's Neurology Minute. I just wrapped a longer conversation with Amanda Piquet from the University of Colorado Anschutz School of Medicine. We were just talking about the recent Phase 2 trial evaluating Miv-cel Kyverna Therapeutics' anti-CD19 CAR T-cell therapy in patients with Stiff Person Syndrome. Amanda, would you mind taking us through a brief overview of SPS as well as the trial and their trial results? Dr. Amanda Piquet: So Stiff Person Syndrome, or SPS, is a rare disabling autoimmune neurologic disease with a major unmet need. About 80% of patients ultimately lose their mobility and we currently have no FDA approved therapies. Existing treatments like IVIG, rituximab, and plasmapheresis are all used off label, often requiring chronic dosing and frequently failing to stop progression. KYSA-8 is a registrational Phase 2 study of 26 patients with refractory SPS. Patients experienced rapid, statistically significant and clinically meaningful improvement across all primary and secondary endpoints. Primary endpoint was the timed 25-foot walk. And this improved by a median of 46% at 16 weeks. Of patients requiring walking aids at baseline, about two thirds no longer needed them by week 16 to complete that 25-foot walk. Some patients who had struggled to walk were even able to run again after treatment. Another key finding was that all patients discontinued chronic immune therapies and remained off treatment as of the last follow-up. From a safety standpoint, miv-cel was generally well tolerated, with no high grade CRS or ICANS observed. In my opinion, these outcomes are unlike anything we've seen previously with Stiff Person Syndrome and may represent a paradigm shift, not only for SPS, but potentially for other antibody-mediated neurologic diseases more broadly. Dr. Shuvro Roy: Just curious, are there any upcoming implications for the application of this treatment for patients, you think, in the coming year or so? Dr. Amanda Piquet: Kyverna, the company who developed miv-cel, has initiated a rolling BLA with the FDA for potential approval and this would be, if approved, the first CAR-T therapy for SPS. So we're anxiously awaiting the outcome of that process. Dr. Shuvro Roy: Fantastic. Amanda, thank you so much for your time. And if you are intrigued and want to know more details behind the findings in the study as well as a conversation around CAR-T therapy for autoimmune neurologic disease as a whole, I encourage you to check out the Neurology Podcast feed for our full conversation there. Thanks for tuning in.
On today's episode, Editor in Chief Sarah Wheeler talks with Senior Real Estate Reporter Brooklee Han about the competition for listings between Multiple Listing Services (MLSs) who are spreading beyond their usual geographical boundaries, as well as listing portals like Zillow and CoStar. Related to this episode: CoStar targets Zillow Preview in amicus filing over MRED feed MLSs compete on rules and partnerships as listing control shifts HousingWire | YouTube More info about HousingWire The Top 5: Existing home sales beat estimates, what it signals for 2026 Synergy One to merge with APM; Steve Majerus named president MLSs compete on rules and partnerships as listing control shifts Outgoing Frank Cassidy on running FHA more like a business May inflation climbs to 4.2%, Fed likely stays on hold The HousingWire Daily podcast brings the full picture of the most compelling stories in the housing market reported across HousingWire. Each morning, listen to editor in chief Sarah Wheeler talk to leading industry voices and get a deeper look behind the scenes of the top mortgage and real estate.
How System of Ecolonomy Accounting - SoEA differs from the existing Accounting System?
On today's episode, Editor in Chief Sarah Wheeler talks with Lead Analyst Logan Mohtashami about existing home sales and the jump in first-time homebuyers. Related to this episode: Existing home sales beat estimates, what it signals for 2026 HousingWire | YouTube More info about HousingWire The Top 5: HousingWire acquires Keeping Current Matters to deepen local data for agents Existing home sales beat estimates, what it signals for 2026 UWM sanctioned after judge orders Ishbia deposition Mortgage and real estate battle for the top of the funnel HUD pilots robotics-built housing and automated permitting The HousingWire Daily podcast brings the full picture of the most compelling stories in the housing market reported across HousingWire. Each morning, listen to editor in chief Sarah Wheeler talk to leading industry voices and get a deeper look behind the scenes of the top mortgage and real estate.
The journey south is nearly at it's end, even if it is only the first step in a much larger journey. Hopefully this next leg can be less eventful than the last... Music in this episode is: "Suonatore di Liuto" by Kevin MacLeod, Licensed under Creative Commons: By Attribution 4.0 License, Incompetech; "Shadowlands 1 - Horizon" by Kevin MacLeod, Licensed under Creative Commons: By Attribution 4.0 License, Incompetech; "Orchestrated Ambience B" by Tyler and Noah Rich, Licensed under Creative Commons: By Attribution 4.0 License, Monumental Studios; "Northern Lullaby" by Sergey Cherimisinov, Licensed under Creative Commons: Attibution-NonCommercial 4.0 International, Free Music Archives; "April" by Kai Engel, Licensed under Creative Commons: Attibution-NonCommercial 4.0 International, Free Music Archives; "Virtutes Instrumenti" by Kevin MacLeod, Licensed under Creative Commons: By Attribution 4.0 License, Incompetech; "Magic Foresti" by Kevin MacLeod, Licensed under Creative Commons: By Attribution 4.0 License, Incompetech; "No More Words" by Alex Mason and the Minor Emotions, Licensed under Creative Commons: Attibution-NonCommercial 4.0 International, Free Music Archives; "River Fire" by Kevin MacLeod, Licensed under Creative Commons: By Attribution 4.0 License, Incompetech; "Silver Flame" by Kevin MacLeod, Licensed under Creative Commons: By Attribution 4.0 License, Incompetech; "Lost Frontier" by Kevin MacLeod, Licensed under Creative Commons: By Attribution 4.0 License, Incompetech; "Blissful" by Tyler and Noah Rich, Licensed under Creative Commons: By Attribution 4.0 License, Monumental Studios; "Existing" by Tyler and Noah Rich, Licensed under Creative Commons: By Attribution 4.0 License, Monumental Studios; "Dusk B" by Tyler and Noah Rich, Licensed under Creative Commons: By Attribution 4.0 License, Monumental Studios; "The Pyre" by Kevin MacLeod, Licensed under Creative Commons: By Attribution 4.0 License, Incompetech; "Global Warming" by Kai Engel, Licensed under Creative Commons: Attibution-NonCommercial 4.0 International, Free Music Archives; Sound Effects by Epidemic Sound, Mixkit and Pixabay
Conrad Black critiques Canada's "Combatting Hate Act," arguing it is a tokenistic measure that potentially infringes on free expression. He asserts existing laws are already sufficient to handle genuine incitements to criminal violence. (14)NAIROBI
The biggest growth opportunity in your practice may not be “out there” somewhere among new potential clients. It could already exist in your current book of business—the top clients you already serve. We all know wallet share is a key driver of growth. But how to capture more of it? The key is rediscovery—a process that essentially helps you get to know your clients all over again so you can identify opportunities to deliver new types of value to them, capture additional assets and generate significant revenue growth. Existing client rediscovery can empower you to boost your revenue in five key ways. Watch, read or listen to find out more on our website for top financial advisors at CEGWorldwide.com.
One of the biggest decisions a dentist can make is whether to purchase an existing office or build one from the ground up. In this weeks episode, Jeff breaks down the pros, cons, risks, and opportunities of each path so you can make the right choice for your situation. Practice Purchase Evaluation Form: https://www.mgeonline.com/practice-purchase-evaluation-form-download-form-page/ The MGE New Patient Workshop - https://www.newpatients.net The MGE Communication & Sales Seminars - https://www.mgeonline.com/abc
This week Section 27 released a new report titled "Protecting the Future Today: The Need for an Efficient National Child Protection Register to Curb Violence Against Children". The report reveals serious shortcomings in the implementation of the National Child Protection Register and that more than 15 years after its adoption, the NCPR is severely underutilised. In March 2025, only 49 000 educators, that is 12% of all educators, had been vetted against the NCPR. Section 27 says this undermines the ability to protect children from violence, particularly in schools. This brings a sharp focus on the long standing debate over the unsealing of the Sex Offenders Register. Some experts have argued that the rights of children and the vulnerable must supercede the privacy rights of convicted predators , while legal scholars also warn that publicising the registry violates constitutional privacy protections. Meanwhile, a draft amendment bill is being developed to make the NRSO accessible to citizens... To unpack this Bongiwe Zwane spoke to Tendai Mafuma, Senior Legal Researcher at SECTION 27 and Dr. Suhayfa Bhamjee, Senior Lecturer in Criminal law at The University of KwaZulu Natal ..
The latest episode of the Center for Immigration Studies podcast examines a recent U.S. Citizenship and Immigration Services (USCIS) memo emphasizing that adjustment of status - the process allowing certain aliens, either temporary visa holders or unlawfully present, who are eligible for permanent residence to obtain it without leaving the United States - is a discretionary benefit and not a guaranteed alternative to consular processing abroad.The discussion between Senior Legal Fellow George Fishman and Director of Policy Studies Jessica Vaughan is accompanied by a new report and a policy blog on the subject.Among the key findings:Congress created adjustment of status under section 245 of the new Immigration and Nationality Act in 1952 largely to eliminate the need for temporary visa holders already in the United States to travel outside the U.S. for immigrant visa processing to permanent status.In FY2023, which is the most recent year for which statistics on adjustment of status admissions are available, the number of adjustments was 608,260 out of 1,172,910 total immigrant admissions, or 52 percent. Of these adjustments, by far the largest share were in the category of Immediate Relatives (315,830). In contrast, in 2023 only 146,880 people adjusted in all the employment categories combined, although this represented 75 percent of all employment LPR admissions.The policy change is expected to have its greatest impact on certain family-based applicants, including some who overstayed visas, violated the terms of admission, or entered illegally and received parole.While USCIS has broad discretion in adjustment decisions, courts have held that such discretion is not unlimited and may be reviewed for abuse of discretion.Existing legal precedent does not clearly support treating the mere act of seeking adjustment of status as a negative factor weighing against an applicant.USCIS has indicated that it may exercise discretion and offer some applicants the opportunity to adjust if it is in the national interest, such as in the case of applicants with meaningful employment or for humanitarian considerations.Fishman's report concludes that the legal significance of the directive will depend on how USCIS implements it in practice. If denial rates rise substantially or applications are denied absent meaningful adverse factors, litigation challenging those decisions is likely to follow (if federal courts allow legal challenges to adjustment denials outside of removal proceedings).Vaughan argues that the policy could strengthen the integrity of the immigration system as overstayers and parolees will no longer apply for fear of being caught for extended unlawful presence.HostMark Krikorian is the Executive Director of the Center for Immigration Studies.GuestsJessica Vaughan is the Director of Policy Studies at the Center for Immigration Studies.George Fishman is a Senior Legal Fellow at the Center for Immigration Studies.LinksUSCIS Upends the Status Quo for Adjustment of StatusUSCIS Blocks Green Card Shortcut for Overstayers and ParoleesIntro MontageVoices in the opening montage:Sen. Barack Obama at a 2005 press conference.Sen. John McCain in a 2010 election ad.President Lyndon Johnson, upon signing the 1965 Immigration Act.Booker T. Washington, reading in 1908 from his 1895 Atlanta Exposition speech.Laraine Newman as a "Conehead" on SNL in 1977.Hillary Clinton in a 2003 radio interview.Cesar Chavez in a 1974 interview.House Speaker Nancy Pelosi speaking to reporters in 2019.Prof. George Borjas in a 2016 C-SPAN appearance.Sen. Jeff Sessions in 2008 comments on the Senate floor.Candidate Trump in 2015 campaign speech.Charlton Heston in "Planet of the Apes".
NEW EPISODE ALERT — Real Talk Real Estate Podcast is LIVE! The market didn't go the way anyone expected in 2026 — and this week, we're breaking down exactly why. Back in late 2025, economists were calling for lower rates, more sales, and a stronger rebound. Instead? Rates climbed, buyers pumped the brakes, and the forecasts got revised. Here's what actually changed: Mortgage rates now projected at 6.37% — up from the original 6.12% forecast Existing home sales revised down to 4.2M (was 4.5M) Home prices? Still expected to rise +2.6% nationally New construction buyers may actually have more negotiating leverage right now The good news? This isn't a crash — it's a pause. Pent-up demand is real, and when rates settle, buyers are going to come rushing back in. If you're sitting on the fence, that's worth thinking about. Tune in this week for the full breakdown. Find us wherever you listen to podcasts — search Real Talk Real Estate HOUSE OF THE WEEK 2700 Poffenberger Rd | Middletown, MD | $630,000 If you've been dreaming about space, privacy, and mountain views — this one's going to stop your scroll. Tucked into the scenic Middletown Valley on 1.85 acres of rolling countryside, this full brick-front Colonial delivers the kind of setting that's getting harder to find in Frederick County. 3,374 Finished Sq Ft 4 Beds | 3.5 Baths Wood-burning fireplace Vaulted primary suite with skylight Renovated primary bath — walk-in shower & double vanity Upper-level laundry Finished walkout lower level — rec room, office, guest space — you decide Rear deck with open countryside views Fresh paint + all new carpet throughout You get the countryside AND the convenience — minutes from Middletown, Jefferson, and Burkittsville — coffee shops, restaurants, parks, and wineries are all right there. OPEN HOUSES THIS WEEKEND — Come see it! Saturday, June 6 | 12:00 PM – 2:00 PM Sunday, June 7 | 1:00 PM – 3:00 PM Questions? Call or text 866-702-9038 or visit DayHomeTeam.comSee omnystudio.com/listener for privacy information.
Questions? Comments? We love feedback! Email us at info@baishavaad.org Rav Shmuel HonigwachsQuestion: Chaim is building a pool in his backyard. His neighbor has an existing window that faced his yard. Now that the swimming pool is being built, the window will overlook the pool. Until now, when it just provided a view of the backyard, the window was no big deal. Now that he is making a pool, however, Chaim wants to force his neighbor to either close off his window or pay for a mechitzah to block the view of the pool. Is he able to do this? Answer: The general rule regarding hezek riya is that if a window is facing a neighbor's yard for a few years and he doesn't complain, a chazakah is established and the window is permitted to remain as it is. Some Poskim hold that even if someone opens a new window and his neighbor doesn't say anything, a chazakah is established to allow the window to be there. However, it seems that the halacha would be different in this case because the neighbor's window did not really harm Chaim until this point. Until now, it was only facing a backyard and, as we previously stated, the common minhag seems to be that we do have windows overlooking other people's yards. Accordingly, it is understandable why Chaim did not object until now, which means that the neighbor did not establish a chazakah to do anything that might harm Chaim. Now that Chaim is making a swimming pool, and there is an issue of genuine hezek riya, he could force the neighbor to pay for a mechitzah or to close off his window.
Interprovincial trade within Canada is complicated. Existing barriers mean that many goods, like alcohol, often can't be sold across provincial and territorial lines. Prime Minister Mark Carney has been pushing for ‘one Canadian economy' in the wake of attempts to diversify away from the U.S. Opening up interprovincial alcohol sales, especially direct to consumer sales, have been a litmus test for this vision. But last week, the provinces and territories missed the deadline for an agreement on reducing those barriers. Jason Kirby is a staff reporter for The Globe's Report on Business. He's on the show to walk us through how alcohol sales work in Canada, what the barriers are preventing interprovincial trade and what it means that Canada hasn't been able to resolve this issue. Questions? Comments? Ideas? Email us at thedecibel@globeandmail.com Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Marc du Plessis – Executive head of LookSee, Standard Bank SAfm Market Update - Podcasts and live stream
It's time to build your family's future on a foundation of true health and freedom. Join us at Future Foundations—because your future generations deserve the best start to the mission that will outlive us… Check it out here. Use code FREEDOM25 for 25% off! Whether you're looking for tinctures, topicals or teas or a deeper connection to your INNATE healing capacity, Noble Task Homestead is here to serve you. Join the movement. Visit NobleTaskHomestead.com/noblestan today and enjoy a 10% discount on your order. San Diego area residents, take advantage of our special New Patient offer exclusively for podcast listeners here. We can't wait to experience miracles with you! Welcome to a new episode of the Future Generations Podcast! In this conversation, Dr. Stanton Hom sits down with somatic healer Jules Horn, a former model turned nervous system guide and soon‑to‑be father. Jules shares his journey from a small village in Germany and a decade in the modeling world to discovering his true purpose: helping people down‑regulate their nervous systems, remember who they really are, and live from the "kingdom of heaven within." Together, Stanton and Jules dive into fatherhood, grief, faith, and what it means to hold true presence in a highly stimulated world. They explore practical self‑regulation tools like breathwork and standing meditation, the spiritual lens on pain and disease, money as energetic flow, and why less is often more when it comes to healing, performance, and living a God‑centered life. Highlights: "I don't believe we're here to learn much; we're here to remember what it feels like." "It's not a chase on the outside, it's an uncovering and a remembering." "Less is more in almost every area of life; breath, food, training, even healing." "If God is within you and within me, why would I treat anyone differently?" Timestamps: 00:00 – Introduction 01:10 – Jules' mission: awakening the "kingdom of heaven" within 03:20 – From modeling to meaning: finding true fulfillment in healing work 06:10 – Losing his father, grief, and leaning on God as a new backbone 08:40 – Stepping into fatherhood 14:49 – Pain as a teacher: emotional roots of illness and body patterns 24:10 – Rethinking energy: less grind, more cultivation from within 26:30 – The "number one" practice for nervous system and energy 41:34 – Existing vs. being: Eckhart Tolle, presence, and our addiction to doing 45:36 – Money as energy, giving freely, and trusting God's provision Resources: Remember to Rate, Review, and Subscribe on iTunes and Follow us on Spotify! Learn more about Dr. Stanton Hom on: Instagram: https://www.instagram.com/drstantonhom Website: https://futuregenerationssd.com/ Podcast Website: https://thefuturegen.com Twitter: https://twitter.com/drstantonhom LinkedIn: https://www.linkedin.com/in/stanhomdc Stay Connected with the Future Generations Podcast: Instagram: https://www.instagram.com/futuregenpodcast Facebook: https://www.facebook.com/futuregenpodcast/ About Jules Horn: Jules Horn is a somatic healer, fascia practitioner, and founder of Mindful Movemend. Through nervous system regulation, fascia release, breathwork, and emotional healing, he helps people reconnect with their bodies and release stored stress and trauma. After transitioning from a career in fashion modeling, Jules built a global audience by sharing practical tools for healing, movement, and self-awareness, blending science, spirituality, and the body's innate intelligence. The desire to go off grid and have the ability to grow your own food has never been stronger than before. No matter the size of your property, Food Forest Abundance can help you design a regenerative layout that utilizes your resources in the most synergistic and sustainable manner. If you are interested in breaking free from the system, please visit www.foodforestabundance.com and use code "thefuturegen" to receive a discount on their incredible services. Show your eyes some love with a pair of daylight or sunset (or both!) blue-light blocking glasses from Ra Optics. They have graciously offered Future Generations podcast listeners 10% off any purchase. Use code FGPOD or click here to access this discount, and let us know how your glasses are treating you! One of the single best companies whose clean products have supported the optimal wellness of our family is Earthley Wellness. Long before there was a 2020, Kate Tetje and her team have stood for TRUTH, HEALTH and FREEDOM in ways that paved the way for so many of us. In collaboration with this incredible team, we are proud to offer you 10% off of your first purchase by shopping here. Are you concerned about food supply insecurity? Our family has rigorously sourced our foods for over a decade and one of our favorite sources is Farm Match and specifically for San Diego locals, "Real Food Club PMA". My kids are literally made from their maple breakfast sausage and the amazing carnitas we make from their pasture raised pork. We are thrilled to share 10% off your first order when you shop at this link. Another important way to bolster food security is by supporting local ranchers. Our favorite local regenerative ranch is Perennial Pastures. They have the best nutrient-dense meats that are 100% grass-fed and pasture-raised. You can get $10 off of your first purchase when you use the code: "FUTUREGENERATIONS" at checkout. Start shopping here.
Bob Verlaat and Nick Nijhof are Amsterdam-based entrepreneurs and Co-Founders of Hears, the fast-growing hearing protection brand redefining earplugs through premium design and industry-leading sound clarity. Prior to Hears, the duo successfully scaled luxury sleep wellness brand Dore & Rose to $30M in revenue, building deep expertise in branding, Ecommerce, and consumer behavior. Their entrepreneurial journey has been shaped by creating products that solve real consumer problems while building emotionally resonant brands. After Bob experienced hearing damage and persistent tinnitus from loud music, the pair became increasingly aware of the global problem of noise-induced hearing loss and the lack of earplugs people actually wanted to wear. Existing products compromised sound quality, looked unattractive, and failed to fit seamlessly into modern lifestyles. Driven by that personal frustration, Bob and Nick spent 1.5 years researching and developing Hears from scratch, investing in patented filter technology and an award-winning heart-shaped design focused on preserving natural sound while protecting hearing. Since launching in 2024, Hears has generated $7M in first-year revenue, won the Red Dot Design Award, and partnered with globally recognized brands and venues including Yves Saint Laurent and Pacha Ibiza. In This Conversation We Discuss: [00:32] Intro [00:58] Launching products with clear positioning [01:31] Solving everyday problems through Ecommerce [03:14] Leveraging past mistakes to scale faster [06:33] Episode Sponsor: Klaviyo [08:32] Finding product ideas through personal pain [09:49] Testing creatives to accelerate growth [11:01] Balancing brand building with direct sales [11:57] Leveraging organic content before paid scaling [13:51] Episode Sponsor: Intelligems [15:52] Optimizing products for global scalability [19:14] Episode Sponsor: Electric Eye [20:23] Designing products customers instantly notice [22:20] Protecting products through patented innovation [23:25] Callout [23:34] Using social proof to increase conversions Resources: Subscribe to Honest Ecommerce on Youtube Engineered for maximum sound blocking, reduce disruptive noise, helping you fall asleep faster, stay asleep longer and wake up fully rested hears.com/ Follow Bob Verlaat linkedin.com/in/bobverlaat/ Follow Nick Nijhof https://www.linkedin.com/in/nicknijhof/ Book a demo today at intelligems.io/ Migrate and grow more klaviyo.com/honest Schedule an intro call with one of our experts electriceye.io/connect If you're enjoying the show, we'd love it if you left Honest Ecommerce a review on Apple Podcasts. It makes a huge impact on the success of the podcast, and we love reading every one of your reviews!
As AI demand accelerates, many data center operators are turning to brownfield upgrades to deploy capacity faster than greenfield construction allows. This conversation looks at how data center teams are unlocking AI performance from existing facilities—navigating electrical, cooling, and operational constraints while phasing upgrades to protect uptime and reliability. For electrical engineers and electrical contractors, these projects represent both opportunity and risk. This episode explores where they fit into brownfield AI upgrades, how to get involved early, what makes these projects different from traditional data center work, and whether they're worth the time, effort, and complexity. Rather than focusing on “winning projects,” the discussion centers on how the industry is extracting AI capacity from existing facilities—managing constraints, executing phased upgrades, and integrating power, cooling, and monitoring systems in live environments.
For episode 736 of the BlockHash Podcast, host Brandon Zemp is joined by Beau Turner, CEO of Abundant Mines, a vertically integrated, U.S. based Bitcoin mining and hosting company built on transparency, uptime, and investor trust.They help individual investors, high-net-worth individuals, family offices, and business owners transform their portfolios through Bitcoin-denominated cash flow, with full ownership of their hardware, institutional-grade reporting, and the same tax benefits that used to be reserved for insiders and specialists.
In this Watson Weekly interview episode, Rick Watson is joined by Lennart Stevens, VP of Product Management for Agentforce Commerce at Salesforce, who walks through Storefront Next, the latest evolution of Salesforce's commerce storefront.Storefront Next is built for developers and for a world where AI and agentic coding are the default. You can spin up a new storefront inside Business Manager with a click-based setup. Under the hood it runs on Salesforce's Managed Runtime as a hosted headless surface, with an enhanced SCAPI layer that lets apps, kiosks, and other channels pull from the same data. The stack standardizes on React, Shadcn, and Tailwind. Existing customers keep their catalogs, prices, and promotions and surface them through the new API.The Watson Weekly interview is sponsored by Avalara - the agentic AI platform automating global tax and compliance for leading eCommerce brands. For more details: https://avalaratax.watsonweekly.com.Lennart also gets into the agentic tooling (agent shopper, agentic merchandising), quiet AI like product readiness scores that flag missing info without nagging, reusable content blocks and embedded Page Designer components, and turnkey industry templates for retail, cosmetics, and furniture that convert well out of the box. He covers the upgraded CLI, the growing library of skills, and support for UCP as the channel-selling standard.The whole point: cut the standup busywork so developers spend time on what actually moves the business.#watsonweekly #agentforce #storefrontnext #agentic
Joe Schmitz Jr. and Jeremy Keil explore the 2% Club of retirees and the unique challenges that come with significant retirement savings and a pension. https://youtu.be/G04JKpKyLJ0 Most retirement conversations focus on one question: Will I have enough? But there's another retirement challenge that doesn't get talked about nearly enough: What happens when you've done everything right? Joe Schmitz Jr. has been working with a very specific group of retirees he calls the 2% Club. His definition: People who have both: A pension And $1 million or more saved for retirement That combination creates opportunities. But it also creates a different set of retirement decisions. Success Creates Different Problems For decades, these retirees did what they were told: Saved consistently Avoided lifestyle inflation Built meaningful retirement assets Earned pensions Stayed disciplined Now retirement arrives… …and suddenly the challenge isn't accumulating wealth. It's using it wisely. Joe shared one statistic that stood out: “80% of people out there will pay no federal income taxes in retirement… while this 2% club is part of that 20% that will have to pay taxes and typically much more.” That means retirement planning shifts. Less focus on accumulation. More focus on: Taxes Spending Distribution strategy Legacy Purpose Why High-Income Retirees Can Accidentally Become Under-Spenders One of the most interesting parts of this conversation was Joe's concept of the Midwestern Millionaire. His description: Hard-working.Frugal.Disciplined. Excellent savers. Often reluctant spenders. And that creates an unexpected retirement problem. People who spent 40 years training themselves to save don't automatically become comfortable spending. Even when they can afford it. Joe described clients who had millions saved but still struggled emotionally to use their money because restraint had become part of their identity. That's where retirement planning becomes less about spreadsheets and more about permission. The Four Places Your Money Can Go Joe offered a simple framework. Your money ultimately goes somewhere. You can: Spend it Gift it Give it Pay taxes on it That framework creates an important question: If you're not spending your money intentionally… where is it going? That doesn't mean everyone should spend aggressively. But it does mean retirees should think intentionally about: Lifestyle Family impact Charitable goals Taxes Because choosing not to decide is still a decision. Pension Decisions Deserve More Attention Than Most People Give Them Joe also emphasized something I see frequently: People often make pension elections based on coworkers. Someone retires.Takes a lump sum.Everyone follows. But pension elections are often irreversible. Joe's advice was simple: Run the numbers. Questions like these matter: Lump sum or monthly pension? Survivor benefits? Age differences between spouses? Existing assets? Insurance needs? The right answer isn't universal. It's personal. Don't Let Tax Fear Control Retirement For some retirees, fear of crossing an income threshold and triggering Medicare IRMAA surcharges becomes bigger than the actual cost itself. Joe's point wasn't to ignore taxes. It was to understand them. Tax planning matters. But taxes shouldn't become the only goal. Because avoiding taxes at all costs can sometimes prevent people from living the retirement they actually built. The Real Goal One story Joe shared captured this perfectly. A retired couple promised each other they'd spend intentionally during their early retirement years. Two years later… They had spent nothing. Not because they couldn't. Because they hadn't learned how. Eventually they created a spending plan and began enjoying experiences they had delayed for decades. That's the shift retirement requires. You don't stop being disciplined. You simply redirect that discipline. The Bottom Line Retirement success isn't measured by how much money you leave untouched. It's measured by whether your money helps support the life you actually wanted. Because after decades of saving… Retirement planning becomes deciding what your wealth is for. Don't forget to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337 Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA is a retirement financial advisor with Keil Financial Partners, author of Retire Today: Create Your Retirement Income Plan in 5 Simple Steps, and host of the Retirement Today blog and podcast, as well as the Mr. Retirement YouTube channel. Jeremy is a contributor to Kiplinger and is frequently cited in publications like the Wall Street Journal and New York Times. Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps “How Much Taxes Will Retirees Owe on Their Retirement Income?” – Center for Retirement Research at Boston College Peak Retirement Planning Joe Schmitz Jr. on YouTube: https://www.youtube.com/@peakretirementplanninginc. Articles by Joe Schmitz Jr. on Kiplinger “Joe Knows Retirement” podcast with Joe Schmitz Jr. Books by Joe Schmitz Jr. Connect With Jeremy Keil: Keil Financial Partners LinkedIn: Jeremy Keil Facebook: Jeremy Keil LinkedIn: Keil Financial Partners YouTube: Mr. Retirement Book an Intro Call with Jeremy's Team Media Disclosures: Disclosures This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results. Legal & Tax Disclosure Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations. Advisor Disclosures Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC. Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A. The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only. Additional Important Disclosures
Political prediction markets allow traders to profit from future events tied to public decision‑making. But as oversight systems come under strain, POGO says that structure creates risks current ethics laws were not designed to address. Janice Luong, a policy analyst at the Project on Government Oversight, walks us through how those markets work and where guardrails fall short.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Today on the Federal Drive with Terry GertonThe federal watchdog system was built to be independent by design, a former inspector general tells us why that design still matters Existing ethics laws weren't written with prediction markets in mind A week that didn't end the way Congress plannedSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
On this Monday edition of 2 Pros & A Cup Of Joe, Jonas Knox reacts to the NBA Playoffs with the Spurs evening the series against the Thunder. Plus, Jonas goes over the recent Jaxson Dart & Abdul Carter disagreement over political ties, we have a mystery Chicken Wing caper edition of ICYMI, and more!See omnystudio.com/listener for privacy information.
Focusing on solutions, Bruce Bechtol argues in Rogue Allies that the U.S. must enforce existing sanctions to target North Korea's finances. North Korea utilizes sophisticated cyber laundering through Bitcoin and lax regulations in countries like the UAE to fund its operations. Containment strategies should include cyber warfare, vessel seizures, and selective strikes. Bechtol warns that Russia and China's open support for North Korea complicates these efforts. Ultimately, hitting the regime's "pocketbook" is the most effective non-kinetic means to disrupt their role as the logistics center for global revisionism. (4/4)JANUARY 1956
This week on Ask Farnoosh, Farnoosh tackles some of the biggest personal finance questions listeners are wrestling with right now, from AI-powered banking tools to buying a home in today's expensive market and whether it's smart to pay off debt early.Farnoosh begins with a look at OpenAI's new personal finance tools that allow select ChatGPT users to connect their financial accounts directly to AI. She breaks down what the feature can do, why some consumers are intrigued, and why others are understandably nervous about privacy and security. She also shares fresh housing market data showing more buyers are moving forward despite mortgage rates remaining above 6%, and why waiting for ultra-low rates may no longer be realistic.The episode also explores a viral MarketWatch story about a couple who became millionaires in their early 30s despite modest incomes. Farnoosh unpacks the real lessons behind the headline: avoiding excessive student debt, consistently investing at least 15% of income, buying reliable used cars, keeping housing costs manageable, and staying financially flexible enough to seize opportunities when they arise.Listener Mailbag Questions This Week:Can you buy a new home if you already own one with a mortgage? Farnoosh answers a newlywed listener's question about purchasing a larger home while keeping her husband's current house as a future rental property. She explains how lenders evaluate debt-to-income ratios, when future rental income may count toward mortgage approval, and why it's important to run the numbers carefully before deciding whether becoming a landlord is truly worth it.Should you pay off a car loan early, even if it might impact your credit score? Another listener asks whether paying off the final $1,000 on a car loan could hurt their credit. Farnoosh explains the difference between revolving credit and installment loans, how credit mix factors into your score, and why the emotional relief of becoming debt-free can sometimes outweigh purely mathematical investing advice.Learn more about Farnoosh's upcoming literary workshop Book to Brand. Early bird registration is now open! Hosted on Acast. See acast.com/privacy for more information.
For episode 733 of the BlockHash Podcast, host Brandon Zemp is joined by Wasim Ahmad, CEO of Vault12. Vault12 is a non-custodial crypto security and digital inheritance platform. It enables cryptocurrency owners to protect and back up their wallet seed phrases, private keys, and digital assets (like NFTs) by distributing encrypted data shards across a decentralized network of trusted friends, family, and devices.
What happens when the rules change after you’ve already bought the property? In this practical follow-up to last week’s blockbuster Federal Budget deep dive, Bushy shifts from policy headlines to real-world investor decisions, unpacking what the new tax landscape could mean for the properties Australians already own, and the choices many investors may now be forced to confront. From long-held portfolios and highly geared COVID-era purchases, to discretionary trusts, refinance pressure and the growing divide between strategic new builds and risky investor stock, Bushy maps out the new “fault lines” emerging beneath the market — using simple dollar examples and real-world scenarios to cut through the tax fog. This isn’t a doom-and-gloom panic episode. It’s a strategic field guide for investors trying to answer one question: What should I do next? Whether you’re considering holding, selling, restructuring, refinancing or simply reassessing your position, this episode helps you understand where you stand, what’s potentially changing, and how to avoid making emotional decisions based on headlines alone. Bushy explains: Why many existing investors are technically “protected” but still exposed How the new post-2027 CGT framework could materially change after-tax outcomes Why negative gearing grandfathering may not solve holding-cost pressure The emerging risk of becoming a “mortgage captive” Why some new builds may become strategically valuable, while others become marketing traps The major sleeper issue facing discretionary trust investors Why the right response now is not panic… but precision If last week’s episode explained the Budget changes, this episode explains what they could mean for your portfolio, your freedom and your next move. Timecoded Chapters 02:53 — Chapter 1: The Old-New Property Tax Fault LineHow to Use This Episode Without Drowning in Tax Soup 08:08 — Chapter 2: The Post-Budget Property Weather ReportPrices, Rents, Pressure Points & Where the Cracks Will Show 16:38 — Chapter 3: The Budget Money MapFive Numbers That Turn Tax Fog Into Hip-Pocket Reality 30:24 — Chapter 4: Long-Held Property Investors Planning to Sell Within 5 YearsHas the Budget Changed the Toll Booth? 38:23 — Chapter 5: Investors Who Bought Since COVID, Are Highly Geared & Planned to Hold Long TermIs Your Portfolio Still Built to Survive? 49:08 — Chapter 6: Investors Who Built Their Investment PropertyDid the Budget Reward You or Lure You With New-Build Glitter? 59:55 — Chapter 7: Investors With Property in a Discretionary TrustThe 30% Trust Tax Floor & the Sleeper Hit That Could Bite Hard 1:11:21 — Chapter 8: Hold, Sell, Value or Panic?Your Action Map & What We’ll Reveal Next Week Listen now and get clear on your next move before the market, or the tax system, makes it for you. Take the next step with Bushy Personal Solutions Session Get clarity and personalised guidance: Book now Property W.E.A.L.T.H Program - live now! Be first to access discounts + free Module 1: Find out more https://courses.bushymartin.com.au/property-wealth Find your Freedom Formula Success in property starts with your 'why', and then the 'what' and 'how'. Let me, Bushy Martin, lead you through it! Sign up for my Freedom Formula program. The first session is absolutely free, and it only takes around an hour! Find out more https://bushymartin.com.au/freedom-formula-course Subscribe to Property Hub for free now on your favourite podcast player. Take the next step - connect, engage and get more insights with the Property Hub community at linktr.ee/propertyhubau Get property investment and wealth resources, and book a Personal Solution Session with Bushy. All the links and info are here: linktr.ee/propertyhubau About Get Invested, a Property Hub show Get Invested is the leading weekly podcast for Australians who want to learn how to unlock their full ‘self, health and wealth’ potential. Hosted by Bushy Martin, an award winning property investor, founder, author and media commentator who is recognised as one of Australia’s most trusted experts in property, investment and lifestyle, Get Invested reveals the secrets of the high performers who invest for success in every aspect of their lives and the world around them. Subscribe now on Apple Podcasts, Spotify and YouTube to get every Get Invested episode each week for free. For business enquiries, email andrew@apiromarketing.com. This content provides general information only and has been prepared without taking into account your objectives, financial situation or needs. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.See omnystudio.com/listener for privacy information.
The ability to double grid capacity is here today, ready to work in existing transmission corridors. Get grounded in advanced reconductoring options in this episode with Zach Zimmerman from the AMP Coalition and Theodore Paradise, Chief Policy and Grid Strategy Office at CTC Global. They explain how advanced conductors can move more energy using existing poles and corridors or boost capacity of new projects. Utilities and grid operators can reduce grid expansion timelines, lower costs compared with new transmission builds, and even improve affordability. Listen in to this "technology whose time has come."
Send us Fan MailFinally – some great news from the IRS of all places. Yes there is a new IRS Draft W-9 form and it's good for the vendor team. Keep listening. Check out my website www.debrarrichardson.com if you need help implementing authentication techniques, internal controls, and best practices to reduce the potential for fraudulent payments, compliance fines or bad vendor data. Check out the Vendor Process Training Center for 173+ hours of weekly live and on-demand training for the Vendor team. Links mentioned in the podcast + other helpful resources: IRS Draft Version of the W-9: https://www.irs.gov/pub/irs-dft/fw9--dft.pdfIRS Published Version of the W-9: https://www.irs.gov/pub/irs-pdf/fw9.pdfIRS Draft Version Site: https://www.irs.gov/draft-tax-formsVendor Process Training Center - https://training.debrarrichardson.comCustomized Fraud Training: https://training.debrarrichardson.com/customized-fraud-training Free Live and On-Demand Webinars: https://training.debrarrichardson.com/webinarsVendor Master File Clean-Up: https://www.debrarrichardson.com/cleanupYouTube Channel: https://www.youtube.com/channel/UCqeoffeQu3pSXMV8fUIGNiw More Podcasts/Blogs/Webinars www.debrarrichardson.comMore ideas? Email me at debra@debrarrichardson.com Music Credit: www.purple-planet.com
The Great Talent Redistribution: Where is Talent Actually Going in 2026 and beyond? Is the start-up compensation model broken? How about big Big Tech? How about non-tech small & medium businesses? What is happening to talent, going forward? This and many other topics in this episode of Tech Deciphered. Navigation: Intro The Broken Contract? The Great Unbundling The Three (?) Destinations Alternative Cap Tables, Alternative Compensation Models Investor Landscape Fragmentation Operator Playbook and Predictions Conclusion Our co-hosts: Bertrand Schmitt, Entrepreneur in Residence at Red River West, co-founder of App Annie / Data.ai, business angel, advisor to startups and VC funds, @bschmitt Nuno Goncalves Pedro, Investor, Managing Partner, Founder at Chamaeleon, @ngpedro Our show: Tech DECIPHERED brings you the Entrepreneur and Investor views on Big Tech, VC and Start-up news, opinion pieces and research. We decipher their meaning, and add inside knowledge and context. Being nerds, we also discuss the latest gadgets and pop culture news Subscribe To Our Podcast Nuno Goncalves Pedro Introduction Welcome to episode 77 of Tech Deciphered. This episode will focus on the great talent redistribution. Where’s talent actually going in 2026 and beyond? The Silicon Valley deal of the last 30 years, very low salary, stock options, you will either sell for a ton of money or IPO, and everyone gets rich, is seemingly broken. Or is it really? The dominant narrative says the tech middle class is dying. We disagree. There is obviously a lot of stuff going on whereby big tech is partially barbelling. There’s a superstar concentration on the top. There’s a bit of a seemingly allowing of the belly. We’ll come back to that. We don’t quite believe that is totally true. There’s a collapse at entry level. The belly is migrating into three, potentially even more, very different destinations: AI native startups, human-verified premium businesses, and the read the industrialized middle of the S&P 500 and SMB world. Each has its own cap table, each will have its own compensation model, and each will have its own investor profile. In some ways, this is the third episode in our Reset trilogy. We started with episode 75 on the SaaS-apocalypse. We talked about the great private capital reset in episode 76, and now we talk about talent redistributions. Bertrand, exciting times, not always positive times. Bertrand Schmitt Yeah, it’s exciting times because it’s a time of change. Of course, we have the doomsayers. If you listen to Dario Amodei of Anthropic, every white-collar job on Earth is going to disappear. I think I strongly disagree, and I suppose you too as well, we strongly disagree. It’s going to be more of a redistribution. If you look at the history of technology, this is what always happened. We forget how many jobs have disappeared over the past 150 years. We move from a time of 150 years ago. People were mostly in agriculture. Then you had a lot of weird jobs that disappeared from people transporting water to people bringing ice from the pools to people doing the job of computers. People forget that computer was a title given to human beings. We’re doing calculations. Then, of course, secretory jobs in the ’80s, ’90s, where suddenly anyone can type using a word processor, the rise of Excel, that sort of stuff. Many things have changed. Some jobs have indeed disappeared. Some jobs have totally transformed. Where you do these jobs have changed. I think we are at a similar stage where, thanks to AI, and I would say for now, or at least the rise of AI coding, there is a dramatic change happening. I don’t think it means that people will be without a job. It just means, from my perspective, that jobs are changing. You are not just doing a lowly coding level task that actually indeed could be replaced, but you are going to have more of builder type of mindset, a product manager type of mindset going forward. We also expect that the distribution of jobs, depending on the type of business, will be quite different. Nuno Goncalves Pedro The Broken Contract? Maybe let’s reset a little bit to the broken contract, or if it’s really a broken contract. There’s been this image in technology and tech that basically you get paid very little to work in tech. You get a bunch of stock options. The earlier you are in the company, the higher the level of stock option grants you get. Then you make a ton of money at some point because the company will either sell or IPO, and that’s heard of it. Obviously, there’s a lot of movements happening right now that are changing how these dynamics work. The first part is obviously AI, and in some ways, AI is shrinking companies. It’s not unheard of that companies with as little as four or five people reach 50 million in ARR. There’s companies with one person that have gotten bought for hundreds of millions of dollars or billion of dollars. Obviously, things are moving very, very fast, and therefore, there isn’t a large employee cap table. How would you share the upside? Would you actually give a couple of percentage points to an early employee rather than your 0.2-0.5% kind of thing for early employees? The second part is a little bit the other side of the table, which is the IPO market is seemingly in a drought. There’s not much happening in IPOs. Maybe 2026, at some point, there will be an unlock, but right now, it’s seemingly difficult to get your upside. Even if you’re an employee, you have to wait a long time. The median time of IPO has climbed over 10, 11 years, the longest in over a decade. Basically, not only you have to wait a long time as if there is an IPO drought, like we might be going through right now, when do I actually get my cash back? Unless the company gets bought, maybe there are secondary transactions along the way, maybe there’s something else. But obviously there’s a little bit of a reduction and lowering of the upside seemingly for this contract and for this place. The easy conclusion that I think many are taking is, because of all of this and all the layoffs that are happening, even in big tech, that serve the tech middle class is dying, that basically AI screwing the workers, et cetera, there’s also a lot of discussion that even it might be affecting the entry-level jobs as well. Everyone coming out of undergrad right now can’t get a job, et cetera. There’s this doomsday scenario that you’re alluding to that everything is changing. We have a slightly different perspective. We think there’s a realignment of market. In layoffs, there was a lot of layoffs that were warranted. Big tech, in particular, had actually hoarded a lot of engineering capacity over the last decade or so. There’s a little bit of a realignment that needed to happen in any case. When everyone’s saying, “Well, AI is compressing everything,” well, it’s compressing right now, but we don’t think actually it’s going to compress over time. You’ll still need engineering and science talent to come on board for you to be able to scale up. It’s not like AI is going to take care of everything and teams are going to be five people for companies that are worth a trillion dollars. That’s not happening. Today’s thesis, I think a little bit of this doomsday scenario needs to be seen with a more nuanced lens. I think that’s how we’re framing today’s episode, that there’s a bit of a nuance, there are some extremes happening. We’re going to talk about those extremes, but ultimately, it’s not quite as simple as saying that the tech middle class is disappearing in early jobs are going to be a thing of the past. Bertrand Schmitt At the same time, what you started with is true. I mean, that 50 million ARR company, just five people. At a bigger scale, that’s exactly the matrix for Anthropic. They have reached a stage where they are at a range of 12 million ARR per staff per employee. It’s metrics that are definitely never seen before. I don’t think any company raised to this level. Best in class, best run companies, one, two million per employees. I mean, that was your target if you can make it. We are definitely in a different game. But I think what matters at the end of the day, and that’s what we’re arguing, is that you have to see the big pictures. Yes, some positions might disappear inside some companies, but some other positions will be created in other companies. Usually, what people do is keep talking about the jobs who disappear and not looking at the bigger picture of jobs that are being created as well. What is true, and I think you alluded to that, is that the big tech the past 10, 15 years had some strategy of hoarding talent in a war where having the best talented people will make the difference in numbers, will make the difference between winning or losing. The Google of the world, the Microsoft of the world, the Amazon of the world, they were hoarding talent. They would try to make sure that they might not have such needs in talented number of people. But if they have the talent, it means their competitors didn’t have the talent. It means that the startup trying to reach scale couldn’t pay the giant salaries that the Google of the world were paying. There was definitely some hoarding. But it went so far in the 2020, 2021, that I think since then there has been a coming back to normal. There is also now in 2026, the recognition that it’s not true anymore. Yes, talent can be very valuable, but there is now a bigger and bigger gap between the extremely talented versus the rest that are merely talented because of AI. AI is able to replace at scale your software engineers, your software managers. I would say it’s quite new. I don’t think it was true a year ago. We’re really talking about a recent dramatic change in what can be achieved thanks to AI. We can see most of the big AI companies are moving to coding. It was started by Anthropic as a trend, OpenAI has followed through. Obviously, the Cursor of the world existed before, but they were not as successful. All the Chinese open-source models are moving very fast to coding optimization the past few weeks. It’s quite an incredible change. I think there is that dramatic change, recognition that coding can be done differently. As a result, we are going to see change in the distribution of jobs. I think it will start from the top because we see the news of the big Google, Microsoft, Amazon, and others who used to hold talented software developers to a change in realization that no, we actually need to invest in AI. We need to invest in compute because compute is going to do the job of most of these people. Therefore, we can’t pay for both at the same time, even us with all our money, we cannot. Wall Street is not going to let us do that. They start by removing a lot of position. I think we see that accelerating, quite frankly. We have only seen the beginning, but in the next 2 years, we see a dramatic shift. But I think my position, I guess yours, and you know as well, is that there will be a lot more opportunities created as well, probably by also entities. Nuno Goncalves Pedro The Great Unbundling Yeah, there will be more opportunities created. The hoarding is just taken also a little bit of a different view. To your point, there’s hoarding of resources, compute, et cetera. But there’s also hoarding of top talent. We are seeing people getting paid, packages all in that could run up to 100 million, in some cases even over 100 million over several years. This is unheard of. I mean, an officer of Meta would make, I don’t know, maybe 20, 25 million a year. It’s like now there are people that are on the top end of AI researchers that are getting paid around that amount just to join some of these companies. There’s a little bit of a different hoarding. It’s very selective hoarding of certain talent. We’ve seen some acqui-hires. We’ve talked about it in previous episodes that are just literally about getting one or two people specifically to come on board. Alexander Wang, again, going to Meta to lead their intelligence labs there. I feel, I don’t know what you feel, but I feel this is a transition moment where there is overpaying for certain talent on the top of the market. At some point, this will stabilize. You can’t keep paying people 100 million over 4 years or something like that across the board. To your point, a lot of this is actually going to scale up quickly also on the AI side. There’s a little bit of a different hoarding happening on the top end, not just the resources, but also of people, which seems to give further this notion of barbell, that there’s two extremes, the haves and have-nots, the super-duper talented people that get paid a ton of money, tens of millions of dollars a year at the very least. Then the emptying of the middle where there’s a ton of tech layoffs going on in some ways, the belly, as they would call it, is being expelled. The middle market, the managers are being fired because there’s nothing to manage. There’s a lot of positions going away. In some cases, you might keep some of the more junior talent, but with a little bit of experience. But even the talent coming out of colleges is not getting hired either. It’s a little bit of a weird thing where there’s hoarding at the top, there’s an emptying of the belly, the middle, and then the early, early, early is also not getting recruited. It’s like what gives? How is this going to look in the future? I agree fully with you, Bertrand, that there’s a migration of this talent, not only to other companies, but also to other jobs. There will be new jobs that will emerge out of this. The DevOps, dev tools market didn’t exist until maybe 20 years ago at scale, and it got created. In some ways, we’re seeing there will be new markets, there will be new roles and new jobs that will be created around engineering teams going forward. We can’t anticipate all of them. But basically, the emptying of the belly is true as it’s happening right now. The low hiring on the early and the top end, getting tons of money. We think this is a transition to something else. There’s the hoarding of engineering in general is coming to an end at momentum. Now it’s time to rightsize teams, to get the right at the table, et cetera, and start figuring out what works and what doesn’t work. We’ve already had some horror stories coming out even from Amazon where they were breaking systems with their use of AI tools, and I’m sure it’s happening across the board. I’m on a board of a company and been tremendously affected by Meta and its algorithms, where basically because of advertising, there have been people served with ads for this specific company where the ad doesn’t match the company, so basic stuff like that. It’s been actually very, very difficult because in some ways, the company goes back to Meta. It’s like, “Hey, dudes, you guys are serving ads that are not even our ads with our copyright and stuff. How does this work?” They’re like, “Oh, it’s AI.” It’s like, “Well, it’s AI but can you give me my money back?” They’re like, “No, we won’t give you money back.” This creates huge issues for companies, for example, that are very dependent on advertising, which obviously there’s a lot of industries that are. They’re actually in production systems at scale. Meta is, I think now, the largest digital advertising in the world. I think they outgrew Google in one of the last quarters. Basically, this has a tremendous effect that systems that are in production at scale are getting inputs and changes driven by AI tooling, and somehow nobody can say what the hell is happening. Again, there will be a reckoning, there will be a redistribution, there will be a rightsizing of teams and an adequacy of teams going forward. I personally think this is a transition period. Bertrand Schmitt I think we are moving from hoarding or software engineering to hoarding the top of the top scientists in AI and hoarding of GPUs, GPUs/data center. For me, it was quite interesting to see the deal of Cursor with xAI, where basically they couldn’t get access to computing resources to run their model. But xAI had, I forgot the exact numbers, but close to half a million GPUs that no one, I mean, “no one was using” because their services are not so successful yet in terms of AI chatbot and the like. Basically, suddenly they are like, “You know what? We control access to resource.” But the new resource is, again, a mix of extremely talented AI engineering or AI scientists versus GPUs/data center. There is this race of controlling boss and everything else is going to be collateral damage. Some examples, I think, are quite interesting. You talk about some example of Amazon, even some production issues. I remember reading a quick post-mortem of one of the issues, and the conclusion was it was AI, definitely part of the issue. But the other part of the issue was AI used by junior engineers. For me, it’s interesting. It shows that actually junior plus AI is actually a danger zone. That’s why many companies are going to be way more careful. “Why do we need the junior people if they are just playing with fire?” I think we go back to that situation of barbell, as you call it. The top talents are extremely valuable because they know how a production system works. They are here to develop better AI systems. But the junior guys playing with fires, yeah, maybe it’s cute in startups, but in a big time production environment, a different story. Nuno Goncalves Pedro There will be a barbell with top-end talent super-mega paid and then mid-level talent that is individual contributors still doing a lot of great work, et cetera. Along the way, a lot of emptying of entry, a lot of emptying of the middle. Where does the talent go? The Three (?) Destinations I think we could say there’s three destinations for this talent. Maybe there’s four, maybe there’s more. Three that we can immediately identify. One is the AI native startup piece, where we have smaller teams that potentially get to a lot of revenue or top line over time, and where the Series Seed is the primary round, where we’re seeing Series Seed being raised of tens of millions of dollars, actually even hundreds of millions of dollars in Series Seed. In some ways, the stars there can get incredible compensations in terms of stock. They will stay for private and selling in secondaries later down the road because there’s so much capital at the table. Actually, in some ways, salaries are very high as well in some of these companies. It’s not like you’re trading off anything. You can get paid a lot of money. If your company at Series Seed for 10 or 15 employees has raised 50-$100 million, you can pay great salaries. In some ways, this is the extreme destination. The AI native startups that can make it is the extreme destination. Now, there aren’t a ton of AI native startups that can raise 50-100 million to 400 million in Series Seed, just to be clear. There’s a handful of hot deals in that space, but that’s one clear destination for top-end talent going through that. In that market, I think that’s one of the destinations. The second one is more what we would call the human-verified premium. It’s more of a play of companies that has still the need of human in the loop, either in terms of development, also in terms of activity, either because go-to markets are very intensive, and so therefore you need to have sales forces, partnership teams, et cetera. Or on the engineering side, it needs to have a lot of customization, integration. Companies are not just going to the, “Oh, you can come in and just apply your AI tooling and somehow magically the systems all work.” there needs to be quite a lot of and work and high touch work in getting stuff done. A significant part of that market, I’m not sure, is super VC investible. Maybe it’s a hybrid of private equity in VC, more PE style in many cases. It’s a PE-hold, sell to someone else market. As we’ve discussed in a previous episode on the SaaS-apocalypse, that hasn’t quite worked out for PEs. Question marks on how that human-verified premium market is going to evolve. But obviously, there’s a lot of work still to be done there, even on the engineering and science side. That’s the second potential destination. Then the third more aggressive destination is the reindustrialized middle companies that have a lot of specificity in going after small and medium businesses, local or regional affectations like ERPs or CRMs for specific markets, et cetera. Those are the three natural destinations. I would add the fourth, which is big tech. I mean, big tech doesn’t magically disappear, and I don’t think it fits neatly into any of these three markets. In some ways, big tech is now looking at the extreme for top talent a little bit like the AI native startup because they can pay. They can pay the 100 million every four years, et cetera. I do think it will typify taxonomically into a fourth type emerging, where, as we discussed, you’ll have top-end individual contributor talent. You’ll have the absolute top-end of the market because they can get paid. Then you’ll start having the emergence of earlier talent that is highly capable, et cetera. That will go back to a bit of a normal distribution in terms of talent on big tech. For me, those are the four destinations that I would put at the table. Bertrand Schmitt For me, big tech moving to big tech, I’m not sure if it’s really a destination. I mean, yes, in some ways it’s a reshuffle between the big tech companies. They are definitely all fighting in some ways for some of the same people. I can see that dramatic shift where big tech has to remove a lot of positions in order to replace by AI. Again, I think at this stage, it’s mostly driven by AI coding. We are still at the beginning because this is brand-new phenomenon that AI coding is so successful at its task. I don’t think it was true even 6 months ago. Some companies, take Anthropic, take OpenAI, are definitely there or close to be there in terms of no more writing of a single line of code by a human, zero. This is, again, 6, 12 months ago. Not true. But now it’s true in a few top companies. Take OpenClaw as well, most successful GitHub project of all time, not a single line written by its author. It would have been impossible. We’re talking about hundreds of thousands of line of code in a few months. It’s impossible to achieve that manually. If you look at the other big tech companies, the Google of the world, the Meta of the world, the Microsoft of the world, they are absolutely not there yet. They are going to be there because they have no choice. It’s you either go fast there or you die. You are not going to be able to survive competitors that are shipping 10, 50, 100 times faster than you are shipping. It’s a life and death situation. All the big tech companies are going to move, and mark my word, in the next 2 years from 10, 20% of AI-written code to 100%. During that transition, the next 2 years max, if you don’t do it in 2 years, you are going to die. Your stock price is going to crash. Then, of course, you will have to make changes. You will have to invest more in GPUs. You will have to invest less in your standard typical software engineer employees. Like you, I’m very optimistic that there are new buckets. AI-native startups definitely will be there. It will be transformational. Human-verified premium, very interesting category. In a way, it will be businesses that are inevitably less scalable through AI, and there is definitely a spot from there. I think the biggest would be the reindustrialized middle SMBs. Most of S&P 500 type of business are going to dramatically offer new software opportunities, new opportunity story to talented software employees because they will need to implement AI in everything they do. They will do it. They will need people who have software engineering knowledge in order to implement these systems. For them, what’s changing dramatically really is that thanks to much cheaper cost as thanks to AI coding, a lot of software projects that they couldn’t afford to do, that they couldn’t imagine doing by themselves, they are able to do it. They will invest in a lot more software capabilities than ever before. That will be a big game changer. And software, very tuned to their business model. There might be less buying of your traditional off-the-shelf SAF software and a lot more investment in a highly custom software by their own team, assisted with AI. I think that would be the part that is most transformed by all of this in a positive way. Nuno Goncalves Pedro Alternative Cap Tables, Alternative Compensation Models This will lead to a very fundamental shift, right back to the broken contract. What does the new contract look like? It looks like alternative cap tables depending on which bucket are you transitioning into. If you’re going into your AI-native bucket, and you’re a top-end talent, you’re like, “Dude, I’m worth 100 million over 4 years, so just compensate me accordingly with a mix of options in the company plus my salary.” If you’re top 1%, you can probably get away with salaries that you’d get anyway at mid-level from 300K, 400K and above, and you can get actually a lot of options already in the company. A lot of this is happening right now. There’s a premium for AI, we know that. There’s a premium for AI at the top end of AI researching, in particular on companies that are doing hardcore research on staff AI engineers, so companies that require actual AI engineering. There is a premium that is significant. It could be as high as 18% over non-AI peers, and it widens actually with seniority, shockingly enough. This is more of an average than anything else. Now, for me, and it’s for debate, but the perspective is this extreme comp will need to compress at some point. There will still be the haves and have-nots paid much better than the have-nots, so to speak, but there will be a compression. The variance can’t be the variance we’re seeing today for absolute top-end talent. That said, there will be variants. We know that big tech for over a decade, decade and a half, for example, in the Bay Area, has been paying a lot of money for director and above levels that used to be the VPs, so a million, a million and a half a year, all in compensations. It’s not unheard of that this will actually increase after this stage. That said, I do think that the compensation extreme that we’re in will get diluted down the middle. It will actually come down at some point. It’s part of where we are today. As we know, it is still a bubble. Bertrand Schmitt Yeah, it’s an interesting point. I think it’s possible. At the same time, that compression coming 2, 3, 5 years. At the same time, we have examples where there is no such compression. Take the top sports players in the world, golfing, basketball, NBA players. There has not really been any compression at all. For me, it’s interesting. If you look at the big tech companies, each being one of this top NBA team, why would such compression happen? As long as they are competing against each other and generating plenty of cash, I think there will be some fair question. We will see. I don’t have a strong opinion, but for me, it’s not a total given. Nuno Goncalves Pedro For me, the shocking thing is the faster AI becomes better, the more that compression will happen, because at some point, it’s like, why do you need the top talent as well? I don’t know. It feels like you’re trying to evolve a system that’s there to replace you. It’s like, “Okay, I’m getting paid 100 million over the next 4 years”, and then you develop something that’s so good that replaces you. Thank you. That’s cool. Bertrand Schmitt That’s a total possibility, yes, because we are in that very unusual market where the game is to only replace yourself and people like yourself. At some point, it is a possibility, I guess this one. Right now, we’re talking about replacing your “average software talent”. In 2 years, could we absolutely replace the absolute best top experts in the world? Probably. I think it’s just that at some point we’ll be reaching the stage where we strictly have no control anymore on our AI systems because no human is able to challenge and understand what’s produced. It’s not just a question of scale anymore. We’re talking about a gap in IQ, basically. Nuno Goncalves Pedro Exactly. It will happen at some point in history. We don’t know exactly when. For the second bucket, the human-verified premium bucket, it’s difficult to see how an HVAC company or an HVAC roll-up of scale or a regional health care platform or high touch go-to-market, B2B, SaaS play, et cetera, for a vertical will compete. At the same end, they have to compete and they will compete. There will be more and more jobs, we believe, for engineering talent in these companies. They’ll have to be more and more AI-enabled themselves. The cash salaries will have to be competitive within the local markets, not necessarily with Silicon Valley. There will be potentially profit sharing and revenue sharing and actual dividends played at the table. The model there on the cap table needs to change a little bit, needs to be probably propped up more on salary and on some way of doing profit sharing or actually having dividends paid to employees and figuring out employee to equity in a more aggressive manner. This is the market that probably was already very attacked, so to speak, or let’s say, occupied by private equity firms. There are still obviously part of that model that would work well. There needs to be a fundamental shift, certainly on the quantum of salary compensation, dividend compensation, profit sharing, and all of that. Then last but not the least, obviously, we had the bucket around basically the reindustrialization of the middle, so everything else, which will take most of the belly that we were talking about. This is probably a poor analogy, the belly fat. It’s not belly fat, it’s people that were doing their jobs that now are getting disrupted. In some ways, that bucket will absorb a lot of that belly, will absorb a lot of talent. The small and medium businesses that Bertrand was saying will need to crucially become more AI, software-enabled by themselves, even with some core stuff and underpinnings that actually might not even require AI in terms of infrastructure platforms. There, you need to get properly paid. Again, how many people do you need in your engineering team if you’re a small business? Probably not a lot. It’s maybe you need one or two people and that’s it. They’ll need to be very nicely paid because they’re running the stuff in the rails. This is probably a market that over time, as AI gets more and more competent, will also be disrupted, but let’s not talk about the disruption to the disruption because otherwise, we’ll stay here the whole day, but certainly a market that has a lot of potential to shift and to absorb a lot of the moments that we’re seeing in terms of layoffs happening in the US in particular. Bertrand Schmitt This category was a category that historically could not compete with Silicon Valley salaries, could not attract the most talented engineers. It’s not a category that didn’t want to bring these people on board. It’s a category that just couldn’t afford to bring this talent on board, typically. I think it would be a dramatic shift for them when suddenly there are opportunities to hire these people. There is an opportunity to hire them at maybe more reasonable prices from this company’s perspective. You talk about small companies, the great thing is that there are millions of small companies at some point. I think things could be truly transformational. Of course, some of these engineers, software engineers, might decide to become entrepreneurs on their own. Solo entrepreneurs, small businesses, build their own, easier to build their own product to market so to serve other companies. I think there will be quite dramatic changes because not all companies will be disrupted by AI as much, but not every company will benefit from improving processes, improving software through AI. At least early on, you will need this human touch to make it work inside a business. Interestingly enough, I was hearing that some companies like IBM were hiring more younger people to do the work of going to the client, understand their needs, propose implementation plans. That forward deployed engineer, those positions, I think there will be more and more available. Nuno Goncalves Pedro Investor Landscape Fragmentation What happens to investor into the landscape? We already had an episode, the previous one, Episode 76, where we talked quite a lot about the big capital reset on the private equity and private reset, including venture capital. Just maybe to summarize, how does it align with the buckets that we’ve just been discussing? I think the AI-native bucket clearly is going to be the key bucket. There, we’re going to see two movements. One movement, which is the mega funds, as we discussed in the last episode, are no longer just VC funds. They’re really mostly multi-asset private equity funds, maybe even private equity hedge funds in some cases. Those funds will be all over the high-growth AI-native companies and will be pouring money into companies that are scaling really, really quickly. The early stage, so to speak, VCs, the actual VCs that will stay in the market will be the guys probably identifying the next big wave of AI-native companies. We’ve discussed that as well in the last episode, some research that we did at Chamaeleon that I shared in episode 76. We’ll see that as emerging. What happens to the second bucket, the bucket around human premium, human in the loop? Likely we’ll have more and more private equity capital going into it and the large-scale VC guys, the Thrives of the world, they’ve just announced Thrive Holdings, and others going after those markets as well. It’s trying to converge into the private equity market, which aligns with the point we made in the previous episode that the VC mega funds are no longer VC, that they are private equity, multi-asset class. They’re going after a bunch of things. There’s a conversion happening from VC into private equity. It was going to happen anyway because the private equity guys were coming into VC as well and the hedge funds were coming to VC as well. There’s a convergence in the middle of very, very large funds and large assets under management happening to go after some of these opportunities, certainly in Bucket B. Then this Bucket C, so to speak, the bucket of reindustrialization, as Bertrand was saying, very well, likely will be self-funded for a significant period of time. Will self-fund with their own cash flow. Doesn’t need to have a ton of capital intensity. Maybe you need one or two engineers to do stuff, but that’s it. You don’t need tons of capital. You didn’t need in the past, you won’t need it today. Not sure there’s going to be a fundamental shift to that market. Bertrand Schmitt Yes, I certainly, overall, agree with you. That last pocket, probably little change to the capital and capital structure. Again, I see that as the biggest opportunity for a lot of people who might be less needed by big tech and also top tech companies. What is sure for the first category, the high native startups? I would say more overall in the VC ecosystem, there is no space left for SaaS anymore. I think SaaS, as we used to know it, is dead in some ways in the sense that new pure SaaS software startup are definitely out. Existing ones that are critical to run your infrastructure, the Salesforce of the world, I think they’re in a decent spot. Actually, interestingly, they changed their pricing model to now sell to AI agents, not just per seat. There is a change in pricing there. But this day and age of funding a pure SaaS software startup through VC money, no way. VC money going to AI-native startups, AI-focused startups, to biotech, to deep tech, to defense tech, yes. SaaS as a fundable category early on, I think it’s over. Nuno Goncalves Pedro I’m a bit more nuanced as we shared in The SaaS Apocalypse episode. We can call it whatever we call. It’s applied AI is the new SaaS thing. Horizontal applied AI is the new horizontal SaaS or vertical applied AI is the new vertical SaaS. I agree in common with your point that very specific point solutions around SaaS will be disrupted by nature with all the easy stuff you can do today with AI. It will take a while. This is not something that’s going to happen this year. It’s going to happen over the next years. Maybe interesting to also talk about the exit markets. I think the IPO market, as we’ve also discussed in the past, there is, in my view, going to be a reopening of the IPO market, I think this year, probably later in the year, third or fourth quarter. The median time to IPO actually is going to be really weird because there’s going to be potentially some companies in the current landscape, bubble or no bubble, that are going to IPO, the OpenAIs of the world, Anthropics of the world, et cetera. There will be more and more aggression, I think, on M&A. Big tech has already shown it, that they want to buy into markets. Large non-tech companies have also started doing acquisitions in space. To prop up their IT teams, their engineering teams with this world that we’ve also discussed in previous episodes that I’m going to own my own engineering stack for now. As we see, that normally doesn’t withstand the test of time. At some point it will get unbundled and served by someone else. Then finally, the secondary market is very hot right now. Obviously, there’s heavy discounting on some areas, high premiums on others. The exit market, strangely enough, is going to be propped up, in my opinion, over the next year to 2 years, dramatically. Then we’ll see if there’s a big reckoning around the bubble that we are clearly in or not, if it’s a soft landing or hard landing. Definitely, there’s going to be a lot of exit paths over the next year to 2 years. Bertrand Schmitt Concerning the “bubble”, I have two perspectives on this. One is it’s a bubble in the sense that money is going to a lot of players and some players are going to blow it up. There will be a concentration of players at the end, like it usually happens. If you look at, for instance, long time ago, the railway revolution, there was that intense influx of capital. At the end of the day, there was a dramatic change in transportation in the US and a complete railway system put in place. Yes, some investors lost money, some companies went bankrupt, but the transformation was fully real. There were a lot of top leaders at the end of this revolution. The change after that only happened, we guess, post-World War II, with the construction of the highway system and the rise of airlines and plane transportation overall. Here I feel it’s similar in the sense that, yes, there is a lot of money going in. Some players are going to blow it. They will misuse the money in different ways, but that’s part of dynamic allocation of capital. Of course, you make mistakes. That’s what happens. At the same time, I feel it’s a similar level in the sense of this is a dramatic change in the US infrastructure. This buildup of AI data centers filled with GPUs, integrated at scale with some of the best software in the world and running it, supported by a dramatic shift in energy infrastructure. This is for me similar to the Railroad Revolution. Some players might not own the data center they build because they didn’t manage well their debt, they didn’t manage to run proper software. You know what? They will get acquired by somebody else. I think we are at this level of fundamental transformation. The fact that in a matter of maybe 2 years, the move from 0% of code written by AI to 100 % written by AI is an insane dramatic shift. Just to be clear, when you move from manually coded to AI coded, we’re talking about a 100X difference in terms of speed at similar, if not better level of quality. The shift is dramatic, and on top of it, you don’t pay salaries anymore to achieve that. You pay CapEx, and with GPUs and OpEx with electricity. It’s a very big shift, positive shift in business model. New unions, no management over it, AI working 24/7. Personally, I think for me, bubble has a bad connotation in the sense of it was all for a waste. I don’t think it’s all for a waste. I think we are witnessing a dramatic revolution of our lifetimes, quite frankly, bigger than SaaS, bigger than mobile. From my perspective, it’s exciting times. Nuno Goncalves Pedro Operator Playbook and Predictions Let’s move to if you are this person, what would you do in the future? Let’s start with two extremes and go from there. One is you’re non-tech, so you’re not an engineer, et cetera. You’re trying to figure out, how do I scale my activity? Maybe physical labor is where I want to go. It’s not, “Go west” anymore. Definitely not necessarily go west. You should go to, I guess, the states that have no sales tax with very cheap energy because that’s where the data centers are being built if you want to be in that market. Obviously, there’s a lot of stuff that needs to be done: HVAC, electricity work, et cetera. Don’t go west. Go low sales taxes, low cost of energy. That’s likely where the data centers are being built. You probably can just follow. There’s, I’m sure, some way for you to follow where the data centers are being built, but that’s next, I think on that extreme of the table. The other extreme of the table, let’s say you are super ambitious, maybe you’re no longer an engineer, but you’re a product manager in your prompt engineering. You could do prompt engineering all day long. You’re 28, 29-year-old superstar. What do you go and do? Likely either you start your own thing, start your own company because you’re so good at prompt engineering, you probably can do a lot of the code yourself, particularly if you have an engineering background, or you go and join very early an AI-native startup that you think has the chance of going through the roof, and you take a pretty good salary early on, a ton of upside on the company because guess what? Companies like that need product managers. They need people to figure out UX, UI. It’s not going to be, at least for now, yet AI figuring that out for you. Those are two extremes, just to give two of the extremes, like engineering, product management persona, and physical labor at the other extreme, non-tech, et cetera. Bertrand Schmitt In some ways, every software engineering job is going to become the equivalent of a software engineering manager or a product manager, because suddenly you don’t have to do the coding anymore. You’re managing AI that is coding for you. Either you start to have some manager hat, but we saw the humans, so it’s a very different type of manager, obviously, or you are going to be really an empowered product manager. You’re skipping the middleman. You’re skipping the traditional engineering organization because your engineering organization is AI running and doing the work for you. I still believe that it requires some serious skills. I don’t believe in the vibe coder type of value proposition. I don’t believe in the prompt engineer becoming suddenly super incredible, able to manage that. I still think it requires some serious chops to do the best from all of this and to do it in a safe and sane way. It’s very easy to have poor taste, make mistakes. I don’t know you, but keep reading these stories on the heads of companies who lost everything because of the AI agents. That deleted stuff in production, and they had no backups or the backups weren’t deleted as well. Crazy situation. You cannot run companies like this if you let your agents running wild. You could argue it’s the early days. I would argue it that that issues would be there for a while. You need to have some engineering discipline at core in the company running the business to make sure things don’t go sideways because it would be easy for things to go sideways. Nuno Goncalves Pedro I totally agree. If you’re thinking, Oh, should my kid go into science and engineering and computer science, et cetera? Absolutely, still, because of everything that Bertrand just said. You need to understand actually what code does and what technology does and what all of that does. That’s still a skill of the future. It’s not a skill of the past. In some ways, it’s still a skill of the future very much. Maybe let’s try two more extremes. Around the same level, the person that decided to do an AI native company bootstrapped initially, having difficulty raising a mega round, but could probably get away with raising a 2-3 million seed round, et cetera. Is that still viable? The answer is yes. There’s tremendous capital efficiency right now happening in the market still, 10 plus higher than if you were doing a SaaS company, and you were a founder in 2019 or something like that. That capital efficiency is going to reverberate. You can run a tighter team, smaller team. Actually, you don’t need that many salaries. If you’re a decent engineer as a founder or if you understand enough as a product manager to just generate that code, you can do a lot of stuff yourself, can bring in maybe one or two technical elements to the team early on as you would have done if you were bootstrapped anyway. There’s obviously a path for that. The other extreme is you’re in big tech, you’re level five, individual contributor, making a ton of money, or you were a manager, and you’re now out of a job, where do you go? You can go to a big company that is non-tech, S&P 500 company that’s non-tech, something like that. You join the company, you’ll probably get paid pretty well, maybe not as high as you were paid in big tech. There’s some stock at the table, but guess what? You’ll have probably more work-life balance than you ever did. That’s the trade-off. You’ll have a better job. On the upside, you can transform the company. You can help and be part of transforming a company from non-AI to AI-first or AI-enabled in the future, whatever BS that will look like in terms of the argumentation to the board. You can actually create tremendous productivity enhancements in a big non-tech company if you come with that background. Again, you’ll have certainly a better work-life balance, so not a bad deal, to be honest. Bertrand Schmitt Also, to be clear, I talk a lot about AI coding because it’s truly transformational. You could argue that it’s going to be self-improving. We are in the situation of a self-improving AI that keeps improving itself thanks to automated coding. It’s a dramatic, virtuous loop. Obviously, AI is also going to improve everything else. It’s going to improve your marketing, it’s going to improve your search process, it’s going to improve your DNA. Improvements will be everywhere. It’s just that right now we are at a point in the quote-unquote revolution where there is one clear piece of the puzzle that is moving faster than the rest. Nuno Goncalves Pedro Bertrand, the senior executives at non-tech don’t know anything about that. It could be just a great prompt engineer. That’s the only job you do. “I’m the chief marketing officer. I have someone below me that’s doing the whole work.” Nobody knows. Nobody’s the wiser, I guess. I’m being facetious, but not fully. Bertrand Schmitt Yeah. There would be a transition period where what you described happen. I want to say, going back to AI coding, I think that the part of AI that as of today has reached a stage of limited AGI. We have reached, from my perspective, a limited type of AGI for coding. If you take coding as a discipline today, I think we reach AGI. If you go beyond coding, that’s true. If we are talking about coding, leveraging the latest LLMs: OPUS 4.7, ChatGPT 5.5, combined with Claude Code, Codex, and OpenCode for harness, I think we’ve reached AGI in the context of coding. I’m not sure everyone fully realize that and the consequence of that. I think the rest is going to come as well. We are going to see that category by category, usually categories that are more scientific in nature, where you can replicate, where you can test easily, where you can create clear success. Metrics will be the “easiest” to follow in that direction of self-improvement. I just want to highlight that this part is truly transformational, the root cause of everything we’re talking about today. At the same time, it’s coming beyond coding. Nuno Goncalves Pedro I think it is true. There are a couple of markets where that might not hold true, which is maybe the final path. If you’re thinking of starting your own business in plumbing and in HVAC maintenance and installation, this is a pretty good time for the reasons we already said before. There’s a lot of buildup of data centers and all that stuff, but also for other reasons, because it’s an activity that won’t be disrupted by AI yet. You need them embodied AI. You need physicality to AI to do stuff like actually fixing pipes. Bertrand Schmitt Until Optimus replace you. Nuno Goncalves Pedro Yeah, but if we’re 3, 4 years out in terms of a lot of these optimizations that we’re talking about at the software layer, we’re 10 years plus out on embodied AI, right? Bertrand Schmitt Oh, yeah, it’s 10 years. Nuno Goncalves Pedro We’ll probably be optimistic as we speak. That’s a nice business. I’m thinking of starting to go into that market. If you guys are interested in listening to this, just reach out to me. What’s the angle? I think there’s a lot of stuff you can do in the buildup of some of these businesses, plumbing, HVAC, all sorts of maintenance. There are markets that are just totally messed up. Handyman market in the US is totally messed up. There’s a bunch of companies out there that try to go after it with marketplaces and stuff. I honestly just start something from scratch, a small business, and go from there. Bertrand Schmitt Yes. They’re an interesting middle. Think about accounting firms, consulting firms. I think they are not as easy to replace, but at the same time, there is no way on what they do is not going to be dramatically changed with AI. I don’t know if it’s 50, 80, 90% of the job, but this is changing quite dramatically, would be my expectation in the coming few years. Conclusion Thanks for listening episode 77 of Tech Deciphered about that great talent redistribution. As you heard it from us, we believe there is a dramatic change in play, enabled by AI coding, and that ultimately a lot of the big tech companies are changing their employee distribution, way more focused on the top talents and bringing more GPUs. As a result, we will see a change in their staffing. Some of this change will benefit AI-focused startups, but probably more likely will benefit the bigger SMBs, the S&P 500 companies of the world that will finally be able to bring inside and afford some of the talent that were in some ways trapped by the top 5, 10, 20 software companies of the world. Thank you, Nuno. Nuno Goncalves Pedro Thank you, Bertrand
Hello to you listening in Canberra, Australia! Coming to you from Whidbey Island, Washington this is Stories From Women Who Walk with 60 Seconds for Wednesdays on Whidbey and your host, Diane Wyzga. Here on Whidbey Island our Pacific Rim Institute for Environmental Stewardship is home to prairie, savanna and forest with over 50 species of rare native grasses and flowers including camas. Native across the Pacific Northwest, the stunning violet-blue flowers of camas historically lit up prairies, marshes, and oak savannahs. Camas once dominated open clearings carefully tended by First Nations people to maintain optimal growing conditions. Camas bulbs were dug in the fall and pit roasted to release simple sweet caramelized sugars, providing a staple food for thousands of years. In the early spring there are no camas flowers to be seen. Do the camas exist? Indeed they do but they have not yet manifested. The bulbs are lying in wait for the right blend of sun and warmth and rain to bloom. Practical Tip: We tend to think in terms of something existing or not existing; but that is not reality. When we pay careful attention we discover that what we're waiting for is there, hidden, for when the time is right to manifest. And it will because what we're waiting for is waiting for us. Guaranteed! You're always welcome: "Come for the stories - Stay for the magic!" Speaking of magic, I hope you'll subscribe, share a 5-star rating and nice review on your social media or podcast channel of choice, bring your friends and rellies, and join us! You will have wonderful company as we continue to walk our lives together. AND! Stop by my Quarter Moon Story Arts website during reconstruction, email me to arrange a no-obligation Discovery Call, and stay current with me as Quarter Moon Story Arts on Substack. Stories From Women Who Walk Production Team Podcaster: Diane F Wyzga & Quarter Moon Story Arts Music: Mer's Waltz from Crossing the Waters by Steve Schuch & Night Heron Music ALL content and image © 2019 to Present Quarter Moon Story Arts. All rights reserved. If you found this podcast episode helpful, please consider sharing and attributing it to Diane Wyzga of Stories From Women Who Walk podcast with a link back to the original source.
Father Alex continues our series on the Anglican distinctives with a lesson on ancient and existing liturgies, pulling from tract #63.
Identifying the right skills for government contracting could be the difference between chasing contracts you can't win and building a pipeline around what you already do well. In this episode, Eric Coffie walks through exactly how he parlayed his training expertise into a five-year federal contract and how you can apply the same framework to your own service offerings. Here is what you will learn in this episode: How Eric landed an $8,500 project management training contract as a proof-of-concept before scaling into a multi-year federal award Why matching your skills to the right NAICS code determines how much government money is actually available to you How to use teaming and community partnerships to fill skill gaps and strengthen your proposal without going it alone Why a five-year contract creates revenue predictability and what it takes to protect your option years How attending cohorts, grants, and local business programs can surface teaming partners you never expected to find The non-compete clause warning every small business owner needs to hear before signing a subcontractor or teaming agreement EPISODE CHAPTERS: 0:00 - Welcome to the Federal Help Center podcast 0:33 - How Eric turned training skills into a federal contract 1:15 - Winning an $8,500 project management training award 2:13 - Why teaming is the foundation of govcon growth 3:10 - The five-year home composting contract opportunity 4:22 - Identifying skills you already have and can offer now 5:22 - How Eric selected a teaming partner from the community 6:05 - Building on shared skills and winning together 7:19 - Mapping your skills to BD, capture, compliance roles 7:50 - Video production contract and the AmeriHealth cohort connection 8:52 - Non-compete clause tips every contractor must know 9:45 - Audience exercise on NAICS codes and skill identification 10:11 - Why NAICS spend data should drive your service focus Market Intelligence gives you the federal opportunities, agency signals, recompete intel, and pursuit briefs that tell you not just what contracts exist, but which ones to chase and how to win them. Sign up for free Daily Alerts and get opportunities delivered to your inbox before the day starts.
Feeling stuck in life? Going through the motions? Wondering why life feels empty? It's time to stop existing and start living more!In this episode of the Let's Talk About Mental Health podcast, I explore the difference between existing vs living and what happens when survival mode becomes your normal. If you've been feeling numb, flat, disconnected, or like you're just getting through each day, this episode is for you. I talk about why feeling stuck is often not just a motivation problem, and how to enjoy life more through simple and meaningful shifts that build momentum over time. This is an honest, practical conversation about how to stop feeling numb, how to get out of a rut, how to be more present, and how intentional living can help you change your life in realistic ways. So if you've been asking yourself how to enjoy life, how to be happy, how to start over, and how to stop existing and start living, or wondering why your purpose driven life feels so far away, this episode will help you understand what's really going on and how to start re-engaging with your life with more kindness, clarity, and self-respect.
EVAN ELLIS The Rodriguez regime leverages lifted sanctions to stabilize power while slow-walking democratic transitions, frustrating an opposition that remains sidelined as new oil money potentially strengthens the existing repressive and criminal state apparatus. (10/16)1930
Trump's opposition to climate policies have increased long-term energy, food, and housing costs by expanding fossil fuel dependence, complicated by his war in Iran. His abusive rhetoric towards immigrants and minorities creates a national anxiety, incompatible with the values of humanity. Then there's the criminalization of protest, free speech and opposition to his nationalist regime - all contributing to the pressure cooker like environment of Trump's America. Independent media has never been more important. Please support this channel by subscribing here: https://www.youtube.com/channel/UCkbwLFZhawBqK2b9gW08z3g?sub_confirmation=1 Join this channel with a membership for exclusive early access and bonus content: https://www.youtube.com/channel/UCkbwLFZhawBqK2b9gW08z3g/join Five Minute News is an Evergreen Podcast, covering politics, inequality, health and climate - delivering independent, unbiased and essential news for the US and across the world. Visit us online at http://www.fiveminute.news Follow us on Bluesky https://bsky.app/profile/fiveminutenews.bsky.social Follow us on Instagram http://instagram.com/fiveminnews Support us on Patreon http://www.patreon.com/fiveminutenews You can subscribe to Five Minute News with your preferred podcast app, ask your smart speaker, or enable Five Minute News as your Amazon Alexa Flash Briefing skill. CONTENT DISCLAIMER The views and opinions expressed on this channel are those of the guests and authors and do not necessarily reflect the official policy or position of Anthony Davis or Five Minute News LLC. Any content provided by our hosts, guests or authors are of their opinion and are not intended to malign any religion, ethnic group, club, organization, company, individual or anyone or anything, in line with the First Amendment right to free and protected speech. Learn more about your ad choices. Visit megaphone.fm/adchoices
Jobi Riccio. Dua Saleh. Tank and the Bangas. Plus, others not named Drake! NPR Music's Stephen Thompson chats with Joe Kendrick of WNCW in North Carolina about their favorite albums out Friday, May 15. Plus, a handful of NPR Music writers and critics offer their personal picks in the lightning round.The Starting 5(00:00) Introduction & Jobi Riccio, 'Face The Feeling'(07:49) Dua Saleh, 'Of Earth & Wires'(15:38) Tank and the Bangas, 'The Last Balloon'(21:41) Cocanha, 'Flame Folclòre'(26:50) Tamikrest, 'Assikel'(33:01) The Lightning Round- Eluvium, 'Virga III'- Kevin Morby, 'Little Wide Open- Martyn, 'Music for Existing'- Julieta Venegas, 'Norteña'- Jeff Parker ETA IVtet, 'Happy Today'Sample the albums via our New Music Friday playlist and see our Long List of notable releases on NPR.org.Credits:Host: Stephen ThompsonGuest: Joe Kendrick, WNCWAudio Producer: Noah CaldwellDigital Producer: Dora LeviteEditors: Otis Hart, Elle MannionExecutive Producer: Suraya MohamedSpecial thanks to Lars Gotrich and Anamaria SayreSee pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences.NPR Privacy Policy
What happens when strong travel demand collides with rising costs and global uncertainty? April's data gives us a clearer picture—and it's more nuanced than you might expect. In this episode of The STR Data Lab, Jamie Lane and Bram Gallagher break down the latest U.S. short-term rental performance and what it signals for the critical summer season ahead.On the surface, the numbers look solid: ADR growth is outpacing inflation, demand continues to climb, and booking trends remain resilient. But beneath that strength are important signals hosts and operators can't ignore—elevated inflation, persistent interest rates, and a shifting supply landscape that could reshape competition in the months ahead.The conversation also dives into one of the biggest demand drivers of the year: the upcoming World Cup. While expectations may have started sky-high, the real story is how demand is spreading—not just across host cities, but into nearby “spillover” markets benefiting from longer stays and regional travel patterns. The result? A summer that's shaping up to be strong—but not without complexity.You don't want to miss this episode!Key Takeaways:ADR growth remains a bright spot: Existing operators are seeing ~6%+ year-over-year rate growth—outpacing inflation and signaling continued pricing power.Supply is accelerating (again): New listings are ramping up, especially in World Cup host markets, which could increase competition heading into peak season.Demand is steady—but not explosive: Overall demand is growing, though slightly trailing supply, leading to relatively flat occupancy levels.World Cup impact goes beyond host cities: Nearby and drive-to markets are seeing major “spillover” demand as travelers extend stays and explore multiple destinations.Macro factors still matter: Elevated inflation, high energy costs, and interest rate uncertainty could influence traveler behavior—especially for international bookings.Sign up for AirDNA for FREE
It's not just Recall: Security vulnerabilities that require you to sign into an account on your PC are not necessarily vulnerabilities. Also, Windows 11 gets its first big feature updates in this week's Patch Tuesday releases. Snapseed 4.0 comes to Android/iOS, and Claude FM is great for relaxing or getting coding/work done. Plus, the Helium browser has emerged as a favorite with 2 notable caveats: No online settings sync and no mobile client. Windows 25H2/24H2: Xbox Mode, Agents on the Taskbar, more 26H1: Smart App Control improvements, other things we saw previously (26H1 is like the stable version of Canary, it seems) Microsoft used a new Mythos-like model called MDASH to find vulnerabilities this month, so expect the numbers of fixed bugs to jump in coming months A low-latency profile for Windows will let it optimize for app/UI launch performance just like mobile platforms already do New builds across most channels with two major changes: Touchpad improvements in Experimental and free upgrade path to Pro for education users in Experimental Beta. A new threat emerges Google announces Googlebook, an Android-based laptop platform with Google Intelligence Some morning-after thoughts, including Microsoft promising AI and that Copilot will be the new Start, while Google delivers AI and is remaking the laptop as an intelligent device AI Microsoft Edge gets big AI and productivity updates on desktop and mobile An Anthropic engineer argues that AI should use HTML for output, not Markdown. He's right. About that 4 GB Gemini Nano model that Chrome secretly downloads OpenAI brings Codex to Google Chrome Security A Bitlocker concern emerges Microsoft Edge loads all saved passwords into plain text when it launches, Microsoft says this is as intended Mozilla patched 423 vulnerabilities in Firefox during April, most courtesy of Anthropic Mythos 465 million Amazon customers have enrolled in passkeys Xbox & gaming Xbox Insider Program: New build for console with previously announced new boot animation, tiered Gamerscore badges, new filters in Game Library Forza Horizon 6 leaks on Steam, those who play it early will be banned until the sun swallows the earth Discord Nitro now has an Xbox Game Pass Starter Edition perk Mojang will host a special MINECRAFT LIVE event on May 30 Sony sold just 1.5 million PS5s in most recent quarter, its lowest number yet Nintendo sold just 2.49 million Switch 2s in quarter, lowers annual estimates Supreme Court gives Apple the
It's not just Recall: Security vulnerabilities that require you to sign into an account on your PC are not necessarily vulnerabilities. Also, Windows 11 gets its first big feature updates in this week's Patch Tuesday releases. Snapseed 4.0 comes to Android/iOS, and Claude FM is great for relaxing or getting coding/work done. Plus, the Helium browser has emerged as a favorite with 2 notable caveats: No online settings sync and no mobile client. Windows 25H2/24H2: Xbox Mode, Agents on the Taskbar, more 26H1: Smart App Control improvements, other things we saw previously (26H1 is like the stable version of Canary, it seems) Microsoft used a new Mythos-like model called MDASH to find vulnerabilities this month, so expect the numbers of fixed bugs to jump in coming months A low-latency profile for Windows will let it optimize for app/UI launch performance just like mobile platforms already do New builds across most channels with two major changes: Touchpad improvements in Experimental and free upgrade path to Pro for education users in Experimental Beta. A new threat emerges Google announces Googlebook, an Android-based laptop platform with Google Intelligence Some morning-after thoughts, including Microsoft promising AI and that Copilot will be the new Start, while Google delivers AI and is remaking the laptop as an intelligent device AI Microsoft Edge gets big AI and productivity updates on desktop and mobile An Anthropic engineer argues that AI should use HTML for output, not Markdown. He's right. About that 4 GB Gemini Nano model that Chrome secretly downloads OpenAI brings Codex to Google Chrome Security A Bitlocker concern emerges Microsoft Edge loads all saved passwords into plain text when it launches, Microsoft says this is as intended Mozilla patched 423 vulnerabilities in Firefox during April, most courtesy of Anthropic Mythos 465 million Amazon customers have enrolled in passkeys Xbox & gaming Xbox Insider Program: New build for console with previously announced new boot animation, tiered Gamerscore badges, new filters in Game Library Forza Horizon 6 leaks on Steam, those who play it early will be banned until the sun swallows the earth Discord Nitro now has an Xbox Game Pass Starter Edition perk Mojang will host a special MINECRAFT LIVE event on May 30 Sony sold just 1.5 million PS5s in most recent quarter, its lowest number yet Nintendo sold just 2.49 million Switch 2s in quarter, lowers annual estimates Supreme Court gives Apple the
When Holiday and Adelaide begin to cancel each other out, Dr. Whittier takes action. Brynleigh gets a visit from a mysterious stranger.Do you want to buy the script? https://tinyurl.com/sixminutesscriptWant to listen to music from the show? https://tinyurl.com/sixminutesthemeLooking for official Six Minutes merch? https://tinyurl.com/sixminutesmerchFor more great shows and to listen early and ad-free, visit GZMshows.com....SPONSOR SHOUTOUT:Thanks to Wyzant for all their support!Go to wyzant.com and use code Podcast15 to enjoy $15 off your first lesson...See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
The US economy added 115,000 jobs in April -- and the numbers look solid on the surface. But dig a little deeper and you'll find a tech sector in freefall, a housing market frozen in place, and consumer sentiment that hit a 74-year low. This bonus episode breaks down the May jobs report, which came out a week late because the Bureau of Labor Statistics pushed its release from the first Friday to the second Friday of the month. The job gains were concentrated in healthcare, transportation, warehousing, and retail. Healthcare alone added 37,000 jobs, driven largely by nursing facilities and home health care services for an aging population. Retail gains clustered in discount stores and warehouse clubs - not department stores or electronics retailers - which tells you consumers are spending more carefully. Tech got hit hard. The information sector lost another 13,000 jobs in April and is now down 342,000 jobs - about 11 percent - from its November 2022 peak. People working part-time because they can't find full-time work jumped by 445,000 in a single month. Consumer sentiment is at its lowest point in 74 years of University of Michigan tracking - worse than 2008, worse than the inflation of the 1970s. One reason: gas prices. There's a psychological outsized effect to standing at a pump watching the total climb every week, versus an invisible mortgage adjustment buried in a monthly bank statement. The housing market didn't get its usual spring bounce. Existing home sales ticked up just 0.2 percent between March and April. Inventory rose 5.8 percent, but at 4.4 months of supply, the market still needs roughly 30 percent more inventory to reach balance. Median sale price sits at $417,700, up less than 1 percent year over year. Homes are averaging 32 days on market - giving buyers more negotiating leverage than they've had in years. Timestamps: (00:00) April jobs report: 115,000 new jobs, but tech takes a hit (02:38) Jobs data matters more than the stock market (03:14) Where jobs grew: healthcare, transportation,warehousing, retail (05:14) Consumer sentiment hits 74-year low (07:46) Why gas prices hurt more than other costs (11:20) Tech sector down 342,000 jobs from 2022 peak (11:52) Part-time workers up 445,000 in a single month (13:38) Housing market: no spring rebound (15:16) Inventory up, but still 30 percent below a balanced market (16:16) Housing market frozen - not crashing, not skyrocketing (17:13) Golden handcuffs: why sellers aren't selling (18:23) Why buyers have more negotiating power now Enroll in our course, "Your First Rental Property" while the doors are open! https://affordanything.com/enroll Share this episode with a friend, colleagues, and your postal person: https://affordanything.com/firstfridaymay2026 Learn more about your ad choices. Visit podcastchoices.com/adchoices
In hour 3, Walter Sterling and guests Dave Scott and John Catsimatidis regard the official government acknowledgement of unidentified aerial phenomena. The conversation highlights a shift from a "disclosure movement" to a "confirmation movement," suggesting that while the public has not yet seen definitive proof of extraterrestrial life, the release of hundreds of redacted files represents a thawing of government secrecy. Key themes include the long-standing culture of silence within NASA and the military, as well as the existence of a "secret government" that operates beyond the full oversight of the presidency. Learn more about your ad choices. Visit megaphone.fm/adchoices
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