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First-time homebuyers may get short windows of relief, but our co-head of Securitized Products Research James Egan and Senior Economist and Strategist in Morgan Stanley's Private Wealth Management Sarah Wolfe say the bigger story is a housing market resetting around a higher bar to entry.Read more insights from Morgan Stanley.----- Transcript -----James Egan: Welcome to Thoughts on the Market. I'm Jim Egan, Morgan Stanley's U.S. Housing Strategist and Co-Head of Securitized Products Strategy.Sarah Wolfe: And I'm Sarah Wolfe, Senior Economist and Strategist within Morgan Stanley Wealth Management.James Egan: And today, why first-time homebuyers are facing a tougher path to ownership.It's Tuesday, June 23rd at 10am in New York.Buying a first-time home has always been a big step, but for a growing number of first-time buyers today, the goal can really seem insurmountable.Mortgage rates might be down from where they were in the second half of 2023, but they're significantly higher than they were for the several years before that. Monthly payments have roughly doubled for a median-priced home. And my colleague Jay Bacow and I have talked several times on this podcast about how many homeowners feel like they're locked into those lower rates.And they're staying put because they just don't want to give up a two or three-handle mortgage rate for something that has a six in front of it. But Sarah, as we know, this is bigger than just first-time buyers. Now, they often start the housing transaction chain, and when they can't buy, current owners may not be able to sell and trade up.That slows turnover across the market, and it also reduces activity tied to housing – from mortgages and renovations to moving and furniture. And it can keep would-be buyers renting for longer, which adds pressure to rental demand.So, how do you see this situation? Is this just another affordability squeeze, or has the housing market reset to a higher barrier to entry?Sarah Wolfe: I do think that we're on the upper bound of affordability pressures. This is about as bad as it's going to get. But as we discussed in our recent publication of The Economy Explained, unfortunately, we do think that the housing market is resetting at a structurally higher barrier to entry. There's a lot of reasons for that.The first is higher interest rates. Yes, mortgage rates are sitting around 6.5 percent, and they should come down from here, but maybe not better than 5.5 percent, right, in an optimistic scenario. The second is demographic pressures. Remember, we have this tremendous aging population of baby boomers. All of their children are now entering their prime home-buying years, so there's a lot of demand for ownership.The third and fourth ones are land regulation and permitting, which is at the state and local level, really hard to change. And the last one is climate risk. It's just raising insurance pricing and making it much more difficult to buy a home.So overall, we see a world where, yes, mortgage rates come down a bit, improve affordability marginally, but we think neutral and other interest rates at the longer end of the curve are going to be higher than the post-financial crisis period. And what we're going to see is that those forces are going to widen the divide between who can own a home and who cannot. And who gains from that wealth accumulation and who does not.James Egan: Right. So now, you mentioned where mortgage rates are today, above that 6 percent rate. Rates did briefly – in February, we got below 6 percent before they bounced back up here. Why did that short-lived relief matter so much?Sarah Wolfe: I think that short-lived relief showed us that moves in the mortgage rate make a difference, but things are so unaffordable that it didn't make that much of a difference.So, the dip below 6 percent was very exciting. It happened this past February. It was the first time that mortgage rates fell below 6 percent since 2022, and we saw a few things happen. First, it lowered the monthly payment for first-time homebuyers from about two point two thousand dollars a month to one point nine thousand.So makes a bit of a difference. And it lowered the share of income that goes towards monthly mortgage payments from about 26 percent of income to 22 percent, from peak to trough. So, that is a notable improvement. But what we saw in the new home sales data and the existing home sales data, that it did not drive people back into the housing market.I want to turn it back to you though, Jim, because you've actually done a lot of interesting work on this. And how this change in mortgage rates has changed the monthly cost that people have to pay for a median-priced home. Can you tell us a little bit more?James Egan: Sure. So, we talk about the lock-in effect a lot, and it's kind of easy to point to: Well, there are a lot of people with mortgage rates that are around 3 percent or 3.5 percent, and the prevailing rate's at 6 percent, and that's a lot higher, so they're locked in.But when we look at the actual numbers in terms of what we're asking a homeowner to do – to list their home for sale and move to another home today, pay off that existing mortgage, take out a new one. When you take into account how much higher home prices are today…You bought a home in 2016, for instance, right? Let's assume you refinanced in 2020 or 2021 if you still live there, right? Most homeowners did. So, you've actually taken your monthly payment, and it is lower today than it was when you bought your home in 2016. If we assume that your income has risen alongside just median household income over that time period, your monthly payment as a share of your income today is probably sub 8 percent.If you bought over the past three years, your monthly payment is a share of your income. You mentioned some numbers earlier. It's low to mid 20 percent. From a dollar amount perspective, if you were to pay off that 2016 mortgage, as an example, and take out one today, your payment is probably [$]13[00] or $1400 higher. It's like a 200 percent increase. That's very difficult economically for a lot of households, and that's the kind of physical manifestation of that lock-in effect.Now, Sarah, given this significant change in housing math, what does that mean for who is actually able to buy in this market?Sarah Wolfe: It's making who's able to buy into the market a lot more selective. So, what we're seeing is that first-time home buyers today are actually not meaningfully older. They're still about 36 years old, but they are a much more selective group financially. The Federal Reserve Bank of New York put out a great analysis on this recently, and they basically found that the first-time home buyer profile today is taking out a mortgage that's nearly $350,000, compared to $240,000 in 2019 and $200,000, a decade ago. So, significant increase in mortgage balances.At the same time, credit standards have tightened significantly, so that average credit score to get a mortgage has risen quite a bit over the last 5 to 10 years. And what this is doing is it's shifting who can buy and also where they can buy. So, we're seeing higher-quality home buyers moving to lower-income zip codes. So, buying cheaper homes in lower-income metro areas, and so it's wealthier buyers in lower-income areas.And that's the really big shift that we're seeing. It's a demand resorting story. And what we're also seeing, and we hear this a lot when we talk to our financial advisors and their clients, is that family is increasingly helping their other family members put that down payment down; in particular, parents helping their children buy that first home.So, we're seeing that first-time buyers may be feeling this pressure, right, when it comes to rates. How much of this affordability issue, though, is being driven by the locked-in effect specifically?James Egan: So, look, it's clearly playing a role. We just talked about some of the math behind that. But then when you look at what that means on a nationwide basis when it comes to inventory, when it comes to so many other aspects of this, that homeowner who's unwilling to give up that lower mortgage rate, that lower payment, right, their homes are off the market.Existing inventories for sale, they've picked up from historic lows in 2023, but they're still very, very low on a long-run basis. The fewer homes there are for sale, the more upward pressure or the absence of downward pressure that's going to put on home prices, right?We saw affordability plummet in 2022 and 2023 when rates backed up. We saw existing home sales really, really come down as a result. But home prices remained at record highs. They continued to set new record highs. For home prices to actually come down, right, you need people who are willing to sell at lower home prices.Sarah, you just mentioned that lending standards themselves remain tight.Sarah Wolfe: Mm-hmm.James Egan: Those forced sales, those tend to be distressed transactions. We don't see that distress in the market providing the inventory and the motivated inventory to lead to softer home prices. So, it's really that lack of inventory which we think is in large part driven by the lock-in effect that's kept home prices. And as a result, that piece of the affordability equation kind of stuck at these higher levels.Sarah Wolfe: I mean, it's really this vicious cycle, the locked-in effect making it difficult for entry-level buyers to get into the market – and then fewer existing homeowners sell or trade up or relocate. So, on and on it goes.Are there broader implications of this freeze?James Egan: Right. So, we just talked about what that means from an inventory perspective. And then if you think about affordability remaining challenged, lending standards themselves remaining tight, inventory remaining as low as it is, you could argue that we're at one of the more difficult times that we've seen for renters to exit rentership and step into homeownership.Now, there's a lot of different things that drive rent growth, and the fact that you have a stuck renter is just one of them. The other side of that equation can be the supply of rental units, right? So that's just a piece of the equation.But those are some of the externalities that we think about when it comes to how the tightness of the housing market – what the lock-in effect and what affordability is doing there. But outside of the housing market, Sarah, the wider economy, like how do these housing costs play a role there?Sarah Wolfe: Massive effect. Some of the work that we've done shows that housing affordability is the number one driver pushing down fertility rates in America. The number one driver. Above childcare costs, above finding a partner, finding a good job. It's housing affordability. So, you could see how that could pretty significantly ripple through the broader economy.But there's other components, right? So, as we discussed earlier, it's driving migration from unaffordable areas to more affordable regions. That has significant implications. And then putting my consumer economist hat on, as we discussed earlier in the podcast, when people buy a home, they tie themselves to that home. They spend money on couches, on beds, on TVs, right? Durable goods. And if we're going to have more people as renters for longer, that's going to expand the services economy at the expense of the goods economy.All right. Let's take a step back and think about where this is all going. It hasn't been a very optimistic conversation. Jim, what is the outlook for affordability in your view? Do we get anywhere back to the post-financial crisis period or even the pre-financial crisis period?James Egan: When it comes to the outlook for mortgage rates, the outlook for affordability, the outlook for the U.S. housing market – look, we just, throughout Morgan Stanley Research and Strategy, published our 2026 major outlook. From now through the end of 2027, we don't have conventional mortgage rates getting below 6 percent.We do have affordability improving on the margins. We have income growth exceeding home price appreciation that makes it a little bit better, but that doesn't get us back to the post-GFC affordability era, which was very, very affordable. Looking back over the past several decades, it gets us closer to where we were pre-GFC, not all the way back there.But when we think about how that ripples through the housing market and how we think about that evolving from here, look, we do think that the state of mortgage credit availability means there will be a lack of distress. We think that while affordability itself may be challenged and inventories may be low, there is some level of housing activity that has to occur regardless of where mortgage rates are or affordability is.We think we found that level. We think there's support for home sales at these current levels, and that combination of support for home sales, lack of inventory, means that home prices, very little room for them to grow from here. But we think they're going to be pretty supported.So, from a housing market perspective, at a ten-thousand-foot view, we're calling it 1-2 percent growth in sales, in home prices, well-supported. But the affordability outlook that we've outlined throughout this podcast – challenged to see a lot of acceleration.Now, when we pull it back to the first-time home buyer, based on our conversation, it seems that the key question is becoming less about when to buy, more about who can still afford to enter the market.But Sarah, it's really been great talking with you about the housing market today.Sarah Wolfe: It was great speaking with you, Jim.James Egan: And thanks for listening. If you enjoy Thoughts on the Market, please leave us a review wherever you listen and share the podcast with a friend or colleague today. ***Sarah Wolfe is a member of Morgan Stanley's Wealth Management Division and is not a member of Morgan Stanley's Research Department. Unless otherwise indicated, her views are her own and may differ from the views of the Morgan Stanley Research Department and from the views of others within Morgan Stanley.

ThePrintPod: Huge population, humongous geography—Why West Bengal needs more districts than existing 23

In this episode, Jerry Larkowski shares his extensive experience in real estate, law, and investing, emphasizing the importance of local knowledge, relationship building, and strategic development in Arkansas. He discusses his approach to redevelopment, investment strategies, and the value of relationships in business growth.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Katrina Fitten. Purpose of the Interview The interview aims to educate entrepreneurs—especially women business owners—on how to secure funding responsibly, avoid scams, and develop a strategic financial plan. It also highlights Katrina Fitten’s expertise as CEO/CFO of New Day for You Financial and her mission to help startups and small businesses access capital. Key Takeaways Funding Opportunities & Qualifications Katrina helps women business owners secure up to $100,000 in 100 days or less, with same-day approval and next-day funding. Basic qualifications include: Credit score of 680+ Existing credit lines (at least $10,000) A clear business mission and low-risk profile. Avoiding Scams Beware of unsolicited emails/texts promising easy money. Do your homework: Check companies on Better Business Bureau (BBB). Look for testimonials and partnerships with reputable banks (e.g., Chase, American Express). Never share sensitive information without verifying legitimacy. Importance of a Business Plan Funding is not free money—you need a strategic plan. Katrina calls it a “money mission”: know exactly how funds will be deployed. Without a plan, money disappears quickly, leading to debt and bad credit. Family & Friends Lending Treat personal loans like business loans: Have written agreements with terms, repayment schedule, and penalties. Decide upfront if it’s a gift or a loan. Services Offered by New Day for You Financial SBA loans, equipment loans, purchase order financing. Lines of credit and 0% interest credit cards (18–21 months). Credit card stacking for higher funding amounts. Credit restoration referrals for those with poor credit. Success Story Example: A tax accountant secured $160,000 in less than a week due to strong credit, revenue history, and a solid business plan. Notable Quotes “If you don’t have a plan for your money, your money will have a plan—and you’ll look up and it’s gone.” “We don’t want to be out here racking up good debt and then you’re not going to be responsible.” “You have to vet companies. Go to BBB, Google them, and check their credibility.” “If I give you money, I decide—is it a gift or a loan? There are rules to borrowing money.” “We say if you don’t get anything, we don’t get paid.” #SHMS #STRAW #BEST #AMISee omnystudio.com/listener for privacy information.

The last time George Tsilis talked about Palantir (PLTR) in October 2025, the stock was above $185. As of this week, the software giant slipped below $130. That said, George points to the company's substantial earnings growth and partnerships with other key AI firms like Nvidia (NVDA) as tailwinds. However, Palantir's valuation remains a key headwind even after its substantial sell-off so far in 2026. He also highlights key technical trends in the stock chart. ======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

HOST: Heidi HatchGUESTS: Maura Carabello, John Dougall ICE plans to sell warehouse facilities in Salt Lake, six other cities moving back to existing detention space “From day one, DHS has remained singularly focused on removing the worst of the worst criminal illegal aliens from the United States and is always evaluating the best methods to do so. These heinous criminals, once arrested, should be removed at lightning speed, not housed on American soil at the taxpayer's expense. DHS is moving swiftly to utilize EXISTING detention space with our state and county partners.” - DHS Voter Turnout - Thursday 5pm Salt Lake County 20% A new Utah law requires mail ballots to be received by 8 p.m. on Election Day. Previously, ballots only needed a postmark by the day before Election Day. The change comes from HB300, which passed the Legislature last year. Trump on Utah Mail in Ballots Will Utah's new deadlines avoid headlines we are seeing out of California with long delays Utah County Clerk's Office hired a 23-year-old conservative influencer to be the chief deputy clerk Karianne Lisonbee, without evidence, accuses Blake Moore of ‘insider trading' before deleting X post Salt Lake County Allegations Liban Mohamed was escorting voters to the polls- Clerk apologizes Utah Supreme Court Justices approved by Senate Statement from the Utah Democratic Party on the Packing of Utah's Supreme Court “It is not a coincidence that these appointments come as the Supreme Court prepares to hear landmark cases on redistricting and reproductive rights. Across this country, courts are being reshaped not to deliver justice, but to preserve political power. Our state is not immune. Utahns deserve better.” Iran Memorandum of Understanding Both sides agreed to "the immediate and permanent end to military operations on all fronts, including in Lebanon." Iran can begin exporting oil as soon as the MOU is signed. Iran "will make arrangements using its best efforts for the safe passage of commercial vessels with no charge for 60 days only from the Persian Gulf to the Sea of Oman and vice versa." The U.S. and regional partners will develop a reconstruction plan for Iran worth at least $300 billion. Iran affirms that it "shall not procure or develop nuclear weapons." The two sides "have agreed to resolve the disposition of stockpiled enriched material." U.S. sanctions on Iran will be lifted on schedule as a part of a final deal, linked to nuclear compliance. There will be 60 days to sign a final agreement, which the two sides can agree to extend. AMERICA 250 UVU Professor Greg Jackson book release “Been There Done That” Professor Greg Jackson, podcast host of History That Doesn't Suck, proves that while today's political climate may be dark, these aren't as unprecedented times as we may think. COMING UP watching KUTV 2 News for post election results Tuesday Next Friday Post Election discussion Wednesday July 1st Speaker Mike Schultz will be back, he attended the UFC fight night at the White House, walked past the highly debated reflecting pool. _____

The episode highlights a structural shift in IT and security governance driven by the proliferation of autonomous AI agents inside enterprise environments. This shift is characterized by a mismatch between the visibility and control frameworks that organizations possess versus the scale and autonomy of AI deployments. Microsoft's introduction of Agent365—a control plane designed for agent governance—and policy statements from its security leadership illustrate the growing gap between the number of AI agents and the traditional IT administrators tasked with managing them, raising questions about the effectiveness and scalability of legacy governance mechanisms. A consequential development described is the growing risk stemming from AI agents operating with inherited credentials and unrestricted lateral access, often without comprehensive oversight or tracking. Both Microsoft and Zero Networks are referenced as addressing this problem but propose different architectural solutions. Microsoft's model emphasizes governance at the identity and endpoint layers, exemplified by Agent365, while Zero Networks promotes network-layer enforcement. The latter approach seeks to restrict lateral movement before it leads to a breach. Data points referenced include insider reports of numerous agents running undetected in enterprise workflows, and observations that most organizations lack accurate inventories or controls corresponding to their AI agent exposure. Supporting stories reinforce the structural shift and associated risk, with Chris Boehm emphasizing the speed and scope of AI agent deployment compared to previous technology waves such as mobile and cloud. The emergence of agents capable of rapidly scanning and connecting across systems further complicates standard prevention and detection postures. Credential governance is described as insufficient on its own, since privileges and exceptions tend to accumulate and enable unaudited access, particularly as agent proliferation accelerates. The episode also references the challenge of building reliable behavioral baselines due to the dynamic, ephemeral nature of modern agents, making static or manual approaches impractical. For MSPs and IT service providers, the operational implications include increased risk associated with governance gaps, margin pressure from the need to adopt new security layers, and greater complexity in maintaining policy enforcement. Existing security stacks are often fragmented, with consolidation complicated by the addition of new solutions that promise automation and scalability but also require integration into varying infrastructure maturity levels. Effective containment of breaches is increasingly tied to minimizing lateral movement rather than relying solely on detection speed. As agent-driven access becomes ubiquitous, the ability to dynamically segment and restrict access based on observed behavior, rather than static credentials alone, is highlighted as a practical safeguard in limiting breach impact and maintaining service continuity. Supported by:Zero Networks https://zeronetworks.com/

**Looking for new ways to grow pharmacy revenue while enhancing patient care? In this fifth session of the Pedal to the Metal: Q2 Is Go Time Webinar Series, Medsense Health shares how independent pharmacies can quickly identify, enroll, and support eligible patients in reimbursable clinical service programs without adding staff or increasing operational costs. Join Medsense leaders Matt Gilbert and Scott Kowalski as they explain how pharmacies can leverage Remote Therapeutic Monitoring (RTM), Remote Patient Monitoring (RPM), adherence programs, and smart health technology to generate meaningful recurring revenue while strengthening patient relationships.**   **Show Notes:** 1. **Introduction** [0:00] 2. **Introduction of Medsense Health and Their Team** [3:16] 3. **Overview of Medsense Health's Clinical Services** [7:00] 4. **Details of Program Implementation and Onboarding** [8:44] 5. **Addressing Concerns and Additional Features** [17:26] 6. **Final Thoughts and Contact Information** [22:00]   ----- #### **Becoming a Badass Pharmacy Owner Podcast is a Proud to be a part of the Pharmacy Podcast Network**

Jonathan Glus, Prebys Senior Art and Design Fellow in Residence at the Downtown San Diego Partnership, discusses leveraging downtown's arts and creative industries to drive economic growth, talent retention and urban revitalization. Glus highlights initiatives like Creative City, World Design Capital 2024, and Far South/Border North that fuels an $11B creative economy and cross-border innovation.Listen Where You Live!About Spotlight and Cloudcast Media  "Spotlight On The Community" is the longest running community podcast in the country, continuously hosted by Drew Schlosberg for 20 years.  "Spotlight" is part of Cloudcast Media's line-up of powerful local podcasts, telling the stories, highlighting the people, and celebrating the gravitational power of local.   For more information on Cloudcast and its shows and cities served, please visit www.cloudcastmedia.us. Cloudcast Media | the national leader in local podcasting.   About Mission Fed Credit Union  A community champion for over 60 years, Mission Fed Credit Union with over $6 billion in member assets, is the Sponsor of Spotlight On The Community, helping to curate connectivity, collaboration, and catalytic conversations.  For more information on the many services for San Diego residents, be sure to visit them at https://www.missionfed.com/

The Rebbe urges the leadership to maintain the existing chinuch institutions in their current locations to ensure Torah education for students. He emphasizes the importance of not abandoning children to secular influences and supports managing the communal fund through a bank. https://www.torahrecordings.com/rebbe/igroskodesh/008/002/2255

Interview with Gavin Ferrar, CEO of Central Asia MetalsOur previous interview: https://www.cruxinvestor.com/posts/central-asia-metals-lsecaml-beats-cash-forecasts-pays-dividends-9808Recording date: 12th June 2026Central Asia Metals (CAML) has announced the proposed acquisition of ASX-listed Cygnus Metals in an all-share transaction aimed at strengthening its project pipeline and adding a development-stage asset to its portfolio. The deal, expected to complete in September, will see Cygnus shareholders receive approximately 0.06 CAML shares per share, resulting in ownership of about 30% of the combined entity, with existing CAML shareholders retaining 70%. The structure preserves CAML's debt-free balance sheet and allows continued funding of operations, exploration, and dividends.The acquisition centers on the Chibougamau copper-gold project in Quebec, Canada, a brownfield asset comprising five deposits and an existing processing facility. Under Cygnus's ownership, the project's measured and indicated resource increased by 78% to 6.4 million tonnes at roughly 3% copper equivalent, with over 8 million tonnes of inferred resources and significant exploration potential across an 18-kilometre strike length. Existing infrastructure, including an idle mill and permitted tailings facilities, is expected to reduce development costs and timelines compared to a greenfield project.CAML plans to advance the project through an updated preliminary economic assessment followed by a feasibility study, targeting a construction decision within four to five years. The company intends to leverage its operational and tailings management expertise from its Sasa mine, while retaining Cygnus's local management team and community relationships to support permitting and development.Strategically, the acquisition fills a long-standing gap between CAML's exploration assets and producing operations in Kazakhstan and North Macedonia. These existing mines are performing strongly, supporting ongoing dividends of 30–50% of free cash flow. The transaction also reflects a broader industry trend of larger, cash-generative miners acquiring development-stage assets from smaller explorers to unlock value and accelerate project timelines.Learn more: https://www.cruxinvestor.com/companies/central-asia-metalsSign up for Crux Investor: https://cruxinvestor.com

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Though the reason for the outpost's silence has been determined with absolute certainty, the Cooler Version now stands at an impasse of how to deal with the problem they have found. The past must be put to rest before the next steps into the future can be taken. Music in this episode is: "Suonatore di Liuto" by Kevin MacLeod, Licensed under Creative Commons: By Attribution 4.0 License, Incompetech; "Twilight" by Tyler and Noah Rich, Licensed under Creative Commons: By Attribution 4.0 License, Monumental Studios; "Slow Legato" by Tyler and Noah Rich, Licensed under Creative Commons: By Attribution 4.0 License, Monumental Studios; "Ambient Choir" by Tyler and Noah Rich, Licensed under Creative Commons: By Attribution 4.0 License, Monumental Studios; "Illuminate" by Tyler and Noah Rich, Licensed under Creative Commons: By Attribution 4.0 License, Monumental Studios; "Beautiful Oblivion" by Scott Buckley, Licensed under Creative Commons: Attibution-NonCommercial 4.0 International, ScottBuckley.com.au; "Dybbuk Box" by Sergey Cherimisinov, Licensed under Creative Commons: Attibution-NonCommercial 4.0 International, Free Music Archives; "Ashen" by Misha Dioxin, Licensed under Creative Commons: Attibution-NonCommercial 4.0 International, Free Music Archives; "Mournful" by Tyler and Noah Rich, Licensed under Creative Commons: By Attribution 4.0 License, Monumental Studios; "Attempts" by Alex Mason, Licensed under Creative Commons: Attibution-NonCommercial 4.0 International, Free Music Archives; "Hollow" by Tyler and Noah Rich, Licensed under Creative Commons: By Attribution 4.0 License, Monumental Studios; "Contemplation Loop" by Tyler and Noah Rich, Licensed under Creative Commons: By Attribution 4.0 License, Monumental Studios; "Lost Frontier" by Kevin MacLeod, Licensed under Creative Commons: By Attribution 4.0 License, Incompetech; "River Fire" by Kevin MacLeod, Licensed under Creative Commons: By Attribution 4.0 License, Incompetech; "Existing" by Tyler and Noah Rich, Licensed under Creative Commons: By Attribution 4.0 License, Monumental Studios; "Magic Forest" 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; "Background String Muted" by Tyler and Noah Rich, Licensed under Creative Commons: By Attribution 4.0 License, Monumental Studios; "Path Through the Mountain" by Scott Buckley, Licensed under Creative Commons: Attibution-NonCommercial 4.0 International, ScottBuckley.com.au;     Sound Effects by Epidemic Sound, Mixkit and Pixabay

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Katrina Fitten. Purpose of the Interview The interview aims to educate entrepreneurs—especially women business owners—on how to secure funding responsibly, avoid scams, and develop a strategic financial plan. It also highlights Katrina Fitten’s expertise as CEO/CFO of New Day for You Financial and her mission to help startups and small businesses access capital. Key Takeaways Funding Opportunities & Qualifications Katrina helps women business owners secure up to $100,000 in 100 days or less, with same-day approval and next-day funding. Basic qualifications include: Credit score of 680+ Existing credit lines (at least $10,000) A clear business mission and low-risk profile. Avoiding Scams Beware of unsolicited emails/texts promising easy money. Do your homework: Check companies on Better Business Bureau (BBB). Look for testimonials and partnerships with reputable banks (e.g., Chase, American Express). Never share sensitive information without verifying legitimacy. Importance of a Business Plan Funding is not free money—you need a strategic plan. Katrina calls it a “money mission”: know exactly how funds will be deployed. Without a plan, money disappears quickly, leading to debt and bad credit. Family & Friends Lending Treat personal loans like business loans: Have written agreements with terms, repayment schedule, and penalties. Decide upfront if it’s a gift or a loan. Services Offered by New Day for You Financial SBA loans, equipment loans, purchase order financing. Lines of credit and 0% interest credit cards (18–21 months). Credit card stacking for higher funding amounts. Credit restoration referrals for those with poor credit. Success Story Example: A tax accountant secured $160,000 in less than a week due to strong credit, revenue history, and a solid business plan. Notable Quotes “If you don’t have a plan for your money, your money will have a plan—and you’ll look up and it’s gone.” “We don’t want to be out here racking up good debt and then you’re not going to be responsible.” “You have to vet companies. Go to BBB, Google them, and check their credibility.” “If I give you money, I decide—is it a gift or a loan? There are rules to borrowing money.” “We say if you don’t get anything, we don’t get paid.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Katrina Fitten. Purpose of the Interview The interview aims to educate entrepreneurs—especially women business owners—on how to secure funding responsibly, avoid scams, and develop a strategic financial plan. It also highlights Katrina Fitten’s expertise as CEO/CFO of New Day for You Financial and her mission to help startups and small businesses access capital. Key Takeaways Funding Opportunities & Qualifications Katrina helps women business owners secure up to $100,000 in 100 days or less, with same-day approval and next-day funding. Basic qualifications include: Credit score of 680+ Existing credit lines (at least $10,000) A clear business mission and low-risk profile. Avoiding Scams Beware of unsolicited emails/texts promising easy money. Do your homework: Check companies on Better Business Bureau (BBB). Look for testimonials and partnerships with reputable banks (e.g., Chase, American Express). Never share sensitive information without verifying legitimacy. Importance of a Business Plan Funding is not free money—you need a strategic plan. Katrina calls it a “money mission”: know exactly how funds will be deployed. Without a plan, money disappears quickly, leading to debt and bad credit. Family & Friends Lending Treat personal loans like business loans: Have written agreements with terms, repayment schedule, and penalties. Decide upfront if it’s a gift or a loan. Services Offered by New Day for You Financial SBA loans, equipment loans, purchase order financing. Lines of credit and 0% interest credit cards (18–21 months). Credit card stacking for higher funding amounts. Credit restoration referrals for those with poor credit. Success Story Example: A tax accountant secured $160,000 in less than a week due to strong credit, revenue history, and a solid business plan. Notable Quotes “If you don’t have a plan for your money, your money will have a plan—and you’ll look up and it’s gone.” “We don’t want to be out here racking up good debt and then you’re not going to be responsible.” “You have to vet companies. Go to BBB, Google them, and check their credibility.” “If I give you money, I decide—is it a gift or a loan? There are rules to borrowing money.” “We say if you don’t get anything, we don’t get paid.” #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

Michael Zuber and real estate veteran Jason Hartman explore the economic implications of a potential peace deal with Iran. They suggest that such stability would lead to lower oil prices and a significant drop in mortgage rates, potentially falling below the 6% threshold. They argue that these shifts, combined with massive pent-up demand, could trigger a surge in housing transactions and price growth during the second half of the year. They also highlight the resilience of real estate as an asset class, noting how leverage provides superior returns compared to other investments. Ultimately, they advise investors to act quickly while the current buyer's market lasts, emphasizing that market timing is less effective than consistent participation. PropertyTracker.com Key Takeaways: 0:00 The US/Iran peace deal and it's implications on the #housingmarket 6:04 Existing home sales hit highest levels in 4 years 8:44 Redfin: Home prices continue climbing 10:32 Appreciation vs. Leveraged return over time 11:55 Get in the game! Stop timing the market 16:15 Investors/buyers market 17:43 The first Trillionaire: Space X stock vs. Income property    _______________________________________________________________   Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Katrina Fitten. Purpose of the Interview The interview aims to educate entrepreneurs—especially women business owners—on how to secure funding responsibly, avoid scams, and develop a strategic financial plan. It also highlights Katrina Fitten’s expertise as CEO/CFO of New Day for You Financial and her mission to help startups and small businesses access capital. Key Takeaways Funding Opportunities & Qualifications Katrina helps women business owners secure up to $100,000 in 100 days or less, with same-day approval and next-day funding. Basic qualifications include: Credit score of 680+ Existing credit lines (at least $10,000) A clear business mission and low-risk profile. Avoiding Scams Beware of unsolicited emails/texts promising easy money. Do your homework: Check companies on Better Business Bureau (BBB). Look for testimonials and partnerships with reputable banks (e.g., Chase, American Express). Never share sensitive information without verifying legitimacy. Importance of a Business Plan Funding is not free money—you need a strategic plan. Katrina calls it a “money mission”: know exactly how funds will be deployed. Without a plan, money disappears quickly, leading to debt and bad credit. Family & Friends Lending Treat personal loans like business loans: Have written agreements with terms, repayment schedule, and penalties. Decide upfront if it’s a gift or a loan. Services Offered by New Day for You Financial SBA loans, equipment loans, purchase order financing. Lines of credit and 0% interest credit cards (18–21 months). Credit card stacking for higher funding amounts. Credit restoration referrals for those with poor credit. Success Story Example: A tax accountant secured $160,000 in less than a week due to strong credit, revenue history, and a solid business plan. Notable Quotes “If you don’t have a plan for your money, your money will have a plan—and you’ll look up and it’s gone.” “We don’t want to be out here racking up good debt and then you’re not going to be responsible.” “You have to vet companies. Go to BBB, Google them, and check their credibility.” “If I give you money, I decide—is it a gift or a loan? There are rules to borrowing money.” “We say if you don’t get anything, we don’t get paid.” #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

In this hour, Adam Crowley and Dorin Dickerson react to the Pirates' series loss to the Miami Marlins over the weekend, and they attempt to organize and rank the team's biggest problems that exist right now.

In this episode Laura visits Cardiff to see what the Welsh capital city is doing for cycling and making the city greener and more resilient in the face of extreme weather. In 2015 Greener Grangetown was completed a city centre project to improve water management and reduce huge volumes of water being transported to water processing plants, and to improve flood resilience. 12 Victorian streets were transformed, and the UK's first cycle street was built, with more than 100 trees planted, safer junctions and improved pavements.In 2019, the Senedd, the devolved government of Wales, enacted legislation to mandate flood management measures on any construction that impacts an area of 100m2 or more. This means developers have to include natural water management measures, like SuDS - sustainable drainage systems - which are highly technical planted areas, which sit alongside roads, cycle routes and pavements. Since then, it is understood that thousands of housing developments have been impacted. The result in Cardiff is an increasingly green city - but it all takes money and time to implement, and progress on Cardiff's cycle network is not as fast as campaigners would like.Laura talks to, in orderSimon Dooley, Team Leader - Flood and Coastal Risk Management at Cardiff Council.Cllr Dan De'Ath, Cardiff Cabinet Member for Climate Change, Strategic Planning & Transport,Daffydd Trystan, newly-elected Cabinet Minister for Government Effectiveness and the Constitution and Member of the Senedd (MS)Hamish Belding, of FRideDays Bike Bus project coordinatorLinks:Wales' sustainable drainage legislation, which came into effect in 2019, and how Welsh councils can apply them.And English standards, which aren't mandatoryAbout Cardiff's Dock Feeder Canal projectCastle Street in the city centre is Cardiff's latest cycleway with rain gardens.Greener Grangetown was 108 rain gardens removing 40,000m3 volume of surface water from the combined sewer system.Wood Street by the Principality Stadium is 16 rain gardens, 15 tree pits - removing 6,800 m2 of impermeable area from the combined sewer.The Existing and future network of cycle routes in Cardiff is shown in the Active Travel Network Map which can be viewed on DataMapWales by following this link - Active Travel Network Maps | DataMapWales. The ATNM is currently being updated, and a new version will be submitted to Welsh Ministers in December 2026 and will then be republished via the link.For ad-free listening, behind-the-scenes and bonus content and to help support the podcast - head to (https://www.patreon.com/StreetsAheadPodcast). We'll even send you some stickers! We're also on Bluesky and welcome your feedback on our episode: https://bsky.app/profile/podstreetsahead.bsky.social Hosted on Acast. See acast.com/privacy for more information.

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.

This week I open the Ristretto Time inbox and answer two listener questions I get versions of all the time.Eric in Colorado is building his coffee shop business plan and asks how to estimate tickets per day and average ticket size. I walk through my foot traffic counting method: when to count, what percentage of passersby actually walk in, what average ticket to assume for a coffee and pastry shop versus one serving lunch, and a simple daily revenue target you can reverse-engineer into customer counts.Kasim and his daughter are deciding between building a shop from scratch and buying an existing coffee business on BizBuySell. I cover the questions to ask before buying any operating café: why the owner is really selling, how to read the revenue and profit picture, the landlord relationship, what "under new ownership" does to a loyal clientele, how seller financing deals are structured, and why you shouldn't pay more than two to three times annual profit.Also in this episode: Grounds, my book on the full story of Café Chocolat, the coffee shop I opened and closed on H Street in Washington, DC, is out now on Amazon. It launched as one of the fastest selling books in the Starting a Business category. Buy it and email me at dollani@gmail.com and I'll send you my list of the 15 things I wish I knew before I started the coffee shop.If you're opening a coffee shop, writing a business plan, or weighing whether to buy an existing café, this episode is for you.

By Doug Green “We're a partner-first company. It is in our DNA,” says Patrick Sheehan, Vice President of Channel Development and Distribution at Intermedia. In this episode of Technology Reseller News, recorded for the CCA community, I spoke with Patrick Sheehan, Vice President of Channel Development and Distribution at Intermedia, about a new approach to helping channel partners grow recurring revenue while reducing operational complexity. Intermedia describes itself as an intelligent cloud communications provider, bringing voice, video, messaging, contact center, collaboration and related services into one seamless, AI-powered platform. Sheehan noted that Intermedia supports thousands of partners and more than 150,000 businesses, with a strong focus on helping partners look good and keeping customers happy. The central topic of the conversation was Intermedia's Co-Op Partner Model, a program designed for partners who want to retain control over customer relationships and pricing, while Intermedia handles many of the back-end operational burdens that can slow growth. For many partners, cloud communications, AI, Microsoft Teams integration, and contact center services represent significant opportunities. But traditional models can also add complexity to billing, taxation, collections, support and administration. The Co-Op model is designed to remove much of that friction. With Co-Op, partners can maintain ownership of the customer relationship while Intermedia provides the operational infrastructure behind the scenes. That allows partners to focus on selling, serving customers and expanding existing accounts into new recurring revenue streams, with the potential to earn up to 2X more in profit compared to traditional models. Sheehan also discussed where partners may be leaving money on the table. Existing customer relationships often contain opportunities for voice, collaboration, AI-enabled communications, customer experience tools and Microsoft Teams-related services. By simplifying the path to offer those services, Intermedia is encouraging partners to revisit accounts they already know well. The conversation also covered Intermedia's broader partner-first strategy, including its focus on customer service, technical support and reliability. Sheehan highlighted Intermedia's ninth consecutive J.D. Power recognition for assisted technical support, along with the company's financially backed 99.999% uptime service-level agreement. For partners that have not engaged with Intermedia recently, Sheehan's message was direct: the opportunity has changed. Cloud communications is no longer just about replacing phone systems. It is about helping customers modernize communications, improve customer experience, adopt AI-enabled tools and create more flexible ways to work. The Co-Op model gives partners another way to participate in that opportunity without having to rebuild their own operations. Learn more about becoming an Intermedia partner. Read more about Intermedia's Co-Op program.

Housing wealth is becoming one of the most important financial resources available to older Americans — and this week's news highlighted why. In this episode of HECM World Weekly, we explore the growing role of home equity in retirement planning as homeowners increasingly access equity without refinancing, existing-home sales show signs of recovery, and policymakers look for ways to improve housing mobility. We also examine new research showing housing wealth may be becoming more influential than income in shaping future financial outcomes, discuss proposed legislation aimed at encouraging senior downsizing, and explore why aging in place remains a critical part of the housing conversation. Plus, we recap key takeaways from NRMLA's Western Regional Meeting, including discussions around Reverse for Purchase, industry advocacy, aging-in-place solutions, artificial intelligence, and the future of retirement finance. In this episode: Homeowners tap equity at the fastest pace since 2021 • Why HELOCs and second liens are surging • Existing-home sales post their strongest month of 2026 • New research on housing wealth and generational opportunity • The proposed Nest Egg Protection Act and senior downsizing incentives • Why aging in place remains a powerful housing trend • NRMLA Western Regional Meeting highlights • FHA leadership changes and what they could mean for HECMs As retirement planning and housing planning continue to converge, understanding home equity has never been more important. Tune in and read the full article: https://hecmworld.com/2026/06/12/podcast-hecm-world-weekly-homeowners-tap-equity/ Subscribe to HECM World for weekly insights on reverse mortgages, retirement finance, housing wealth, aging in place, and the future of home equity.

Slator's Anna Wyndham joins Florian on the pod to discuss key highlights from the Slator Data-for-AI Market Report, which sizes the global market at USD 9.3bn and examines the ecosystem supplying the data needed to train, adapt, align, evaluate, and deploy AI systems.Anna explains how the market has evolved far beyond traditional data labeling. While annotation and large-scale training data remain important, she argues that the market's focus has shifted toward helping organizations deploy AI safely and effectively in real-world settings.Anna highlights the growing importance of “deployment data”, data used to adapt models for specific domains, align behavior with policies, conduct adversarial testing, and evaluate performance. She notes that these activities increasingly rely on subject-matter experts, creating demand for professionals such as physicians, lawyers, engineers, and financial specialists.The discussion also explores how frontier AI labs, enterprises, and sovereign AI initiatives are driving demand. Anna shares that buyers increasingly need trusted providers capable of sourcing expert talent, scaling rapidly, and maintaining rigorous governance around data provenance and quality.For language solutions integrators (LSIs), Anna sees both opportunity and challenge. Existing strengths in multilingual operations and workforce management provide a natural advantage, but success requires new capabilities, including expertise in machine learning workflows and AI evaluation.

⭐ INTERESTED IN FRANCHISE OWNERSHIP? Schedule a call with one of our coaches today!  https://www.francoach.net/ 

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.

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

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".

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.

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!

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

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.

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

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

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