Podcasts about explain

TRANSLATING THE SOUND AND METER OF VIRGIL Colleagues Scott McGill and Susanna Wright. The translators explain choosing iambic pentameter over dactylic hexameter to provide an English cultural equivalent to the original's epic feel. They describe their efforts to replicate Virgil's auditory effects, such as alliteration and assonance, and preserve specific line repetitions that connect characters like Turnus and Camilla. NUMBER 10

This week, we're looking back at three discussions we held earlier this year on Investing Insights about exchange-traded funds that income investors might find attractive. Morningstar ETF specialists, Bryan Armour and Dan Sotiroff, talked about dividend, bond, and covered-call ETFs in 2025.Subscribe to Morningstar's ETFInvestor Newsletter.On this episode:00:00:00 Welcome00:01:33 Dividend investing can result in exposure to factors like value, quality, and low volatility. Can you briefly explain one, what is factor investing, and then where do dividend ETFs typically land?00:03:21 How do you find a dividend ETF that provides the optimal, or just rightamount, of factor exposure? And what should appear on our checklist? 00:04:40 Four dividend ETFs hold Morningstar's Medalist Rating of Gold. Let's start with the two dividend growth ETFs from Vanguard that hold these marks.00:05:17 Explain why Vanguard's top dividend income strategy also impressed Morningstar analysts.00:06:07 The final and fourth Gold-rated dividend ETF mixes both income and growth strategies. Talk about the one from Schwab.Bond ETFs are having a banner year. Why are investors turning to these investments?00:09:01 What makes a core bond ETF a solid portfolio building block?00:10:02What's the top idea that's received high marks from Morningstar?00:11:39We're shifting from the least risky to the next level up, core-plus. What do these bond ETFs typically offer that an index-tracking ETF does not?00:11:21 Can you tell us one intermediate core-plus bond ETF that's earned a Gold rating from Morningstar?00:11:56 Multisector bond ETFs take on a bit more risk than the previous two categories, and that comes with an expectation of more income. Should income investors skip the others and start here?00:13:11It'stime for the third top idea. What multisector bond ETF should folks consider?00:13:36 High-yield bond ETFs are the riskiest among the categories we're discussing today. What additional risks are investors taking on for the juicy yields?00:14:42 Morningstar does not currently rate any actively managed high-yield bond ETFs. Is there one that income investors should watch?00:16:41What's making covered-call ETFs so popular in 2025?00:17:09 Their yields lookvery high. What is driving them?00:18:31 What types of trade-offs are investors making?00:19:51 Which covered-call ETFs do Morningstar analysts consider a solid choice for investors, and why?  Watch more from Morningstar:Where to Invest in 2026 After This Year's Market Volatility LINKWhy Betting Against Nvidia in the AI Arms Race Could Be a MistakeHere's What Your Retirement Spending Rate Should Be in 2026 Follow Morningstar on social:Facebook https://www.facebook.com/MorningstarInc/X https://x.com/MorningstarIncInstagram https://www.instagram.com/morningstarinc/?hl=enLinkedIn https://www.linkedin.com/company/morningstar/posts/?feedView=all  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

U.S. investing for Americans in Israel starts with understanding what you actually own and why it belongs in your portfolio. When you live in Israel and manage U.S. brokerage and I.R.A. accounts, complexity can quietly creep in. Different platforms, cross-border rules, confusing statements, and unfamiliar strategies often lead people to stop asking questions and rely on blind trust. That may feel easier in the moment, but it usually increases stress and uncertainty when markets move or life changes. This episode focuses on simplifying U.S. investments without watering them down. The core idea is that confidence comes from clarity. When you understand how your investments work, what drives their performance, and whether they truly fit a cross-border lifestyle, financial decisions become calmer and more intentional. Simplicity is not about being basic. It is about being able to explain your strategy clearly and knowing it aligns with life in Israel while still serving long-term goals. Main ideas and key takeaways: Confusing investments often create anxiety and emotional decision-making. Understanding what you own is essential for managing U.S. brokerage and I.R.A. accounts from Israel. Knowing what drives market movement helps investors stay disciplined during volatility. Cross-border suitability matters just as much as investment performance. Read the full article and explore more resources here: https://profile-financial.com/blog 

Wednesday, 24 December 2025   Then Peter answered and said to Him, “Explain this parable to us.” Matthew 15:15   “And Peter, having answered, he said to Him, ‘You expound to us this parable'” (CG).   In the previous verse, Jesus noted that if the blind-conductors are also blind, they will both fall into a pit. Having finished His words, Matthew notes, “And Peter, having answered, he said to Him.”   Peter heard something that needed clarification from Jesus' words. Therefore, he continues, “You expound to us this parable.”   Here is a new word, phrazó. It is found only here in the New Testament. It means to indicate by word or act. Thus, it is rightly defined as “expound,” which signifies to explain the meaning in a detailed manner. Peter goes back to Jesus' words of verse 15:11, not knowing the meaning of the parable –   “Not the ‘entering into the mouth' it profanes the man, but the ‘proceeding from the mouth,' this, it profanes the man.”   The problem with Peter's words is that Jesus wasn't speaking in a parable at that time. Hence, he misunderstood the intent of Jesus' words. For this, he will receive a rather stern rebuke, followed by a more detailed explanation of Jesus' intent.   Life application: It is not always easy to know when something in the Bible is being spoken literally, metaphorically, in parable, or in some other way. It is also difficult to determine if what is being spoken of is one thing rather than another.   A good example of this is found in Joshua –   Then Joshua spoke to the Lord in the day when the Lord delivered up the Amorites before the children of Israel, and he said in the sight of Israel: “Sun, stand still over Gibeon; And Moon, in the Valley of Aijalon.” 13 So the sun stood still, And the moon stopped, Till the people had revenge Upon their enemies. Is this not written in the Book of Jasher? So the sun stood still in the midst of heaven, and did not hasten to go down for about a whole day. 14 And there has been no day like that, before it or after it, that the Lord heeded the voice of a man; for the Lord fought for Israel.   Translations generally assume that Joshua's words indicate that the sun and moon literally stood still in the heavens. This is then bolstered by the words of verses 13 and 14. However, the words are poetic, having been included in the Book of Jasher. The way it properly reads and what is happening is as follows –   “Then, he will speak, Joshua to Yehovah, in day gave Yehovah the Amorite to faces sons Israel, and he said to eyes Israel:   ‘Sun, in Gibeon, you must be silent. And moon in depth Aijalon.' And is muted, the sun. And moon stood. Until he will avenge nation – his hatings.   Not it written upon scroll the Upright (One)? And it stood, the sun, in the half the heavens and not it hastened to go, according to day complete. And not it was according to day, the it, to its faces and after it, to hearken, Yehovah, in voice man, for Yehovah being fought to Israel.” (CG)   Notice the structure:   V.12 – [Then, he will speak, Joshua to Yehovah, in day gave Yehovah the Amorite to faces sons Israel, and he said to eyes Israel].   V.13 Until he will avenge nation [Israel] – his hatings.   V.15 - And not it was according to day, the it, to its faces and after it, [to hearken, Yehovah, in voice man, for Yehovah being fought to Israel].   The bracketing thoughts explain what the exceptional thing was. It wasn't that the sun and moon stood still in the skies. Rather, it was that the Lord listened to the voice of a man and fought for Israel.   As you read the Bible, understand that what you are reading has been translated by man. A translator comes to the text with biases and presuppositions. If he is only a translator, he is also trying to make sense out of very difficult language. Therefore, it is natural to make assumptions based on a lack of study.   Even scholars will start with presuppositions, reading a translation first and then working with that picture in their minds. Because of this, be careful to stop and contemplate what you are reading from other perspectives. You may find that what you thought was correct was not.   In the end, you will get out of the word as much as you put in.   O God, may we be willing to carefully consider all things Your word tells us. Help us not to get caught up in sensationalism or “going with the pack” mentality. May we first and foremost consider what You are telling us and why. Help us in this so that our time of study will be methodical and filled with proper insights concerning Your word. Amen.  

For years, gold was the asset nobody wanted to talk about. It sat there quietly while stocks and real estate continued to rip. Gold was for pessimists. For doomsayers and perma-bears.And then suddenly… gold didn't just wake up. It launched. As of mid-December 2025, spot gold is trading around $4,300–$4,400 an ounce, depending on the market, marking a gain of roughly 60% over the past year and pushing decisively into record territory. The obvious question is: why now? The short answer is that gold isn't reacting to one thing. It's responding to a stacking of pressures that have been quietly building for years and are now impossible to ignore.Start with central banks. For the better part of the last decade, central banks were net sellers or indifferent holders of gold. That changed dramatically after 2022. According to the World Gold Council, central banks have been buying gold at more than double the pace of the pre-COVID years, and 2025 continues that trend, with hundreds of tonnes added to reserves year-to-date. These aren't hedge funds chasing momentum. These are monetary authorities making deliberate, strategic decisions about what they trust to hold value. Why would central banks suddenly want more gold? Because geopolitics has re-entered the chat. We now live in a world where reserves can be frozen, payment systems can be weaponized, and “risk-free” assets depend heavily on political alignment. The World Bank has been explicit that rising geopolitical tensions and global uncertainty are key drivers of gold's surge this year. When trust in the global order erodes, gold benefits. At the same time, the U.S. dollar devaluation thesis is no longer fringe thinking. It is reality.Gold is priced in dollars, and when real yields fall and the dollar weakens, gold historically performs well. That dynamic is playing out again. Reuters has repeatedly pointed to a softer dollar and declining Treasury yields as near-term tailwinds for gold's rally . Bank of America's research echoes this relationship, emphasizing gold's inverse correlation to the dollar and the growing desire among nations to diversify away from dollar-centric reserves . In other words, gold isn't just going up because people are scared. It's going up because confidence in fiat discipline is eroding, slowly but persistently. So…Is gold still a buy or did we miss it? The truth is, both answers can be correct. Yes, gold is expensive relative to where it was a year ago. You don't go up 60% without pulling future returns forward. But what makes this cycle different is that many of the buyers driving demand are price-insensitive. Central banks don't care if gold is up 20% or down 10% in a quarter. They care about long-term reserve integrity. That's why major institutions aren't dismissing the move as a blow-off. Goldman Sachs has cited sustained central-bank demand and the potential for further ETF inflows as supportive of higher prices. J.P. Morgan continues to frame gold as a beneficiary of geopolitical instability and monetary uncertainty, and Bank of America is projecting prices as high as $5,000 an ounce into 2026. Of course, nothing goes up in a straight line. A shift toward tighter monetary policy or a sudden easing of global tensions could cool enthusiasm. Understand though, that gold's breakout isn't just about gold. There is a larger message that should be taken away from all of this. Hard money has come back into favor. Gold is the original hard asset. It's scarce, politically neutral, and has thousands of years of monetary credibility. But it's also heavy, difficult to move, and awkward in a digital world. Bitcoin exists on the same philosophical axis. Both gold and Bitcoin are reactions to the same problem: expanding debt, monetary dilution, and declining confidence in centralized control. Gold is the conservative expression of that view. Bitcoin is the aggressive one. Today, Bitcoin trades around $86,000, still volatile, still controversial, still misunderstood. But if gold's surge is signaling a regime shift toward hard assets, then Bitcoin may simply be earlier in that adoption curve. In other words, gold may be leading the parade. And if history is any guide, when institutions start moving into the oldest form of sound money, they eventually begin exploring the newest. That's the signal worth paying attention to. So this week, I interview Dana Samuelson, an old friend of the show and an expert in everything gold and hard money. Transcript Disclaimer: This transcript was generated by AI and may not be 100% accurate. If you notice any errors or corrections, please email us at phil@wealthformula.com.  Gold isn’t reacting to one thing, it’s actually responding to a stacking, uh, pressures, uh, that have been quietly building for years and, and really right now are impossible to ignore. Welcome, everybody. This is Buck Joffrey with the Wealth Formula Podcast coming to you. From Montecito, California and today. Uh, before we begin, just a quick reminder. Uh, there is a, uh, website associated with this podcast called wealth formula.com. And, uh, that’s where you go to get deeply more deeply integrated into this community, including our accredited investor club, AKA investor club for you to join. And, uh, once you get onboarded, all you do is you, you have an opportunity to see private deal flow, uh, that, uh, is not available to the general public. If you are an accredited investor, meaning that you have, uh, make $200,000 per year or $300,000 per year, uh, for the last two years with the reasonable expectation of continuing to do so, or you have a million dollars outside of your personal residence, a net worth, then you are an accredited investor and. All you need to do is sign up and join the club. Just go to wealth formula.com and sign up and get onboarded. Now, let’s talk a little bit about something that has been extraordinary this year. It’s gold. You know, for years, gold was the asset that nobody wanted to talk about. I mean, it sat there quietly. Well, stocks and real estate continue to rip. Um. Gold really is really, you know, was for the pessimists. For the doomsayers and the perma bears. I mean, I, I gotta tell you, I kind of am was one of those people, right? And then suddenly gold didn’t just wake up. It, it totally launched, exploded in his mid-December 2025. Spot Gold is trading around, I know, 4300, 4400 an ounce, depending on the market, gaining roughly 60% over the past year. Pushing decisively into record territory. Now the obvious question is why now? Well, the short answer is that gold isn’t reacting to one thing. It’s actually responding to a stacking, uh, pressures, uh, that have been quietly building for years and, and really right now are impossible to ignore. And this is an interesting shift because. The thing is that in the old days, and I’m even talking about 15, 20 years ago, uh, you would look at gold as something that didn’t really go up when the stock market was doing well, right? It was kind of a reaction. It was a fear-based thing. It still is sort of a fear-based thing, but now it’s not just fear of, you know, whether the stock market’s gonna crash. It’s fear of geopolitical concerns. That’s where the central banks come in, right? So for the better part of the last decade, central banks were net sellers. Or really indifferent of holders of, of gold, and that changed dramatically after 2022. So according to World Gold Council, central banks have been buying gold at more than double the pace of the pre COVID years. And 2025 continued that trend with hundreds of tons, uh, added to reserves year to date Now. These are central banks. They’re not hedge funds chasing momentum, right? They’re monetary authorities and they’re making deliberate strategic decisions about what they trust to hold value. And why would central banks suddenly want more gold? Well, because again, geopolitics has reentered that chat. We live in a world now where reserves can be frozen, right? Payment systems can be weaponized. Risk-free assets depend heavily on political alignment. Now of course, I’m talking about the United States when I’m mentioning all those things, right? Uh, how we can kind of just freeze assets of Russia and that kind of thing. I’m not, uh, pro-Russia, I’m just pointing out the fact that. Countries don’t like it when you freeze their assets. Right? The World Bank, uh, has been explicit that rising geopolitical tensions and global uncertainty are the key drivers of gold surges this year. And when trust in the global Ory roads, of course that is now when gold benefits and at the same time, the US dollar devaluation thesis is no longer just kind of fringe thinking. It’s reality. No one, no one even bothers to pretend that that’s not happening. So gold is, uh, of course, priced in dollars and when real yields fall, uh, and the dollar weakens gold historically performs well so that that dynamic is playing out again as well. In fact, Reuters has repeatedly pointed to a softer dollar and declining treasury yields as near term tailwinds for Gold’s Rally Bank of America. Uh, their research shows, uh, this relationship emphasizing gold’s inverse correlation to the dollar and the growing desire among nations to diversify away from the dollar centric reserves. In other words, gold isn’t just going up because people are scared. It’s going up because confidence in the fiat discipline is eroding altogether slowly. Persistently. So the question is, is gold still a buyer? Did we miss it? I mean, I just mentioned that it just went up by like 60%, right? So that’s a tricky question. It really is. I could certainly see some volatility there. But here’s the thing. I mentioned that central banks were big buyer, right? Central banks don’t care if gold is up 20% or down 10% in a quarter. They care about long-term reserve integrity. So they’re a price insensitive buyer. Um, and that’s why major, major institutions aren’t dismissing the move, as you know, just a big blow off. Uh, Goldman Sachs cited sustain central bank demand, and the potential for further ETF inflows is supportive of higher prices. Banks, uh, like JP Morgan and um, and, and Bank of America. I mean, they’re continuously talking about how gold is a beneficiary of this geopolitical instability. Bank of America is projecting prices high as $5,000 a ounce in 2026. So that’s still a big move, right? Of course, nothing goes up in a straight line. So shift toward tighter monetary policy or sudden easing of global tensions. Well, I, I could, they could cool enthusiasm, right? The less fear in the world. Well, that isn’t. That’s not good for gold. I understand though that gold’s breakout isn’t just about gold. There’s a larger message that should be taken away from all of this, and that is that hard money, real assets have come back into favoring, and gold is the original hard asset. It’s scarce, it’s politically neutral, tens of thousands of years of monetary credibility, but it’s also heavy, difficult to move and awkward in a digital world. Now, of course you know where I’m going with that. I don’t wanna make every gold conversation conversation about Bitcoin, but just as a reminder, Bitcoin exists on that same philosophical access, right? Both gold and Bitcoin are reactions to the same problem. Expanding debt, monetary dilution, declining confidence and centralized control. Gold is the conservative, you know, version of that, the expression of that Bitcoin is the crazy youngster, the aggressive one. They’re, they’re following the same rails. And today Bitcoin trades around $86,000. It’s still volatile, still controversial, still misunderstood, and really, listen, the market cap is 2 trillion bucks. Um, you know, no asset that has ever reached $2 trillion. Market cap has ever gotten to zero. But on the other hand, there’s it, it’s pretty small, and you could still move those markets really quickly, and that’s why you’ve got volatility. But if gold surge is signaling a, a, a shift towards hard assets, it’s really hard to not see that. Uh, Bitcoin may simply be, uh, you know, early in that adoption curve. In other words, gold may be leading the parade. And if history is any guide, uh, when institutions start moving into that, you know, oldest form of sound money, they eventually begin exploring the newest. And that’s, that’s a signal. Worth paying attention to. Anyway, this week what we’re gonna really focus on though is gold and hard money. We’ll talk a little bit about Bitcoin as well. My guest is Dana Samuelson, who is. An old friend of the show, and we will have that conversation right after these messages. Wealth Formula banking is an ingenious concept powered by whole life insurance, but instead of acting just as a safety net, the strategy supercharges your investments. First, you create a personal financial reservoir that grows at a compounding interest rate much higher than any bank savings account. As your money accumulates, you borrow from your own. Bank to invest in other cash flowing investments. Here’s the key. Even though you’ve borrowed money at a simple interest rate, your insurance company keeps paying. You compound interest on that money even though you’ve borrowed it at result, you make money in two places at the same time. That’s why your investments get supercharged. This isn’t a new technique, it’s a refined strategy used by some of the wealthiest families in history, and it uses century old rock solid insurance companies as its back. Turbo charge your investments. Visit wealth formula banking.com. Again, that’s wealth formula banking.com. Welcome back to the show everyone. Today my guest on Wealth Formula podcast ad Samuelson. He is been on the show before. He’s friend of the show. He is a professional. How do we see this numismatist since, uh, 1980. Working with some of the most influential, precious metals trading companies in the country. Before founding his own American Gold Exchange Incorporated in 1998. Uh, for nearly a decade, he was a personal protege of James U. Blanchard ii, one of the true giants of the industry, and the individual most responsible for re legalizing the private ownership of gold in the us. American Gold Exchange Inc. Is a national mail order, precious metals and rare coin dealership that makes competitive buy and sell markets in mainstream, modern, gold, silver, platinum, palladium, bullion coins and bars and classic pre 1933 US Gold and silver coins and World War ii European Gold coins. I don’t know if I left anything out, but welcome Dana. How are you doing? I’m doing great, buck. Thanks for having me back. I really appreciate it. Well, it was funny, we had a little conversation, uh, just before we started and I said, well, gosh, you know, uh, we’ve had you on the show before, maybe once, maybe twice. And, you know, and, and you, um, I think Apley described the gold market as watching paint dry. And I, I think that’s, I think that’s pretty adequate. Um, I mean, for, I mean, the last decade or so before this all happened. So, so let’s start talking about it. So, gold gold’s moved into price territory that, you know, very few people would’ve predicted even a couple years ago. So what, from your perspective, having lived lived through multiple gold cycles, what feels fundamentally different about this move? Uh, this market is a globally driven market and it’s focused on physical. There’s been a move into gold this year, and silver now platinum two. To a degree palladium, uh, in a physical level that we haven’t seen since the late seventies when we had the last really, you know, red hot market driven by fears over debt inflation. Geopolitics. Uh, you’ve got the bricks, nations that are trying to divorce themselves of the dollar, but they really can’t do it easily because there’s not a good viable alternative except for gold. And that’s been one of the leading drivers of this gold price surge that has really, you know, almost doubled in price since, uh, two years ago. A lot of it is, you know, underpinned by Central Bank Gold buying, you know, between 1950 and 2010, after the dollar became the world’s reserve currency backed by gold. And even after we un pegged the dollar to gold in the 1970s, 1971, central bankers had had gold on their, physically in their vaults from pre-World War ii when gold was money, uh, they shed that. From the 1950 all the way to 2010, they became net buyers after the great financial crisis due to the global debt explosion and primarily quantitative easing printing money outta thin air. But they were buy, they were modest buyers, you know, 500 tons a year until Russia invaded the Ukraine in 2022. And we sanctioned Russia and weaponized the dollar. The last four years, they bought, you know, almost a thousand tons of gold year or double. That really became material last year in price as the cumulative effects of their continually buying about a fifth of what the mines make every year started to really impact supplies and price movement. And now we’ve got President Trump this year, you know, throwing a monkey wrench into the World Trade order with his tariffs. And I think that that’s created a lot of uncertainty, some fear. And of course the debt just continues to go higher and higher. And now interest payments on our debt are over a trillion dollars for the first time ever. So debt servicing is starting to become problematic. The cumulative effects of all this have caused the, the people around the world, including central governments to buy gold at record rates. Um, but it’s not the phenomenon that’s happening in the United States. ’cause we don’t have a gold culture in our country, like almost every other country does. It’s interesting. Um, so what, you know, you’ve been talking about really is central banks around the world have it really been accumulating gold at levels we haven’t really seen in modern times. Right. And, and, uh, why do you think the US Central Bank. It doesn’t do the same because is it an admission of the debasement of the dollar? Because really the gold, gold is the anti dollar. I’ve always viewed it as the anti dollar maybe. Maybe that’s not the, you know, you may not agree with that a hundred percent, but I’ve always viewed it that way, and so why wouldn’t the US hedge and accumulate more? Well, we’re the world’s reserve currency. That Right. That’s, that’s created a paper culture in our, in our world. It’s now three generations old, right? Since 1945, when the dollar became the world’s reserve currency and we, the world went to a paper money standard instead of a gold money standard, which was the world’s standard from ancient times all the way till the 1930s. You know, the, our monetary system when the country was founded in 1793 was based on gold and silver coins. A copper penny was the size of a half dollar because that’s what one penny’s worth of copper was worth in 1793. Right. Um, you know, after World War ii, we had a couple things that the rest of the world didn’t have. We had a manufacturing, uh, industries that were, uh, unaffected by the, physically by the war. And we had, you know, the ability for markets to work properly, which should allow the dollar to become the world’s reserve currency. Backed by, you know, 8,200 some odd tons of gold, the biggest pile of gold that any country had. Actually, at that time it was more like 20,000 tons of gold. Uh, but by the time we got to the seventies and we un pegged from gold, we were down to about 8,000 tons. That’s still more than anybody else is supposed to have. I do think China could have more gold than that. Now they’re just not telling us they do. You know, officially they’ve got about 2,400 tons of gold, uh, and the second and third are, you know, 3000 tons of gold. So we, we still have a lot of gold. And there’s talk about auditing Fort Knox and monetizing it, but it only gets us about a trillion dollars. It’s not enough to really, you affect the 38 trillion, maybe pay the debt off for a year, or, you know, for six months. Six months, yeah. Something like that. Our, our debt is starting to matter too. You know, it’s doubled twice in the last 20 years. It gonna double again in the next 10 to 70 trillion, 78 trillion. People hear about the, the whole, uh, the bricks phenomena, right? And part of, part of what you were just discussing in the, uh, accumulation of gold. Explain that, explain what’s going on over there for people who aren’t paying attention, and you know how that is, how that is playing into all of this. Well, when we sanctioned Russia after they invaded the Ukraine. And seized their assets and threw them off of the Swift International Bank Transfer Payment System. We forced countries that were concerned that if they ran politically afoul of us, we could do the same to them. They forced them into thinking, oh, how do we get some independence from that vulnerability? Potential vulnerability? It’s not easy to replace the dollar. What they’ve, what they’ve been doing is replacing the Swift Bank transfer payment system with a payment transfer system of their own right so they can move money amongst themselves outside of the SWIFT system, number one. And since there isn’t a good viable alternative to the dollar, really the only other asset that makes sense is gold. Gold is a neutral asset. It’s not like you need it for oil or grain or steel. Nobody really needs gold, right? But it’s universally trusted. It’s immediately liquid, and it’s got a couple other things going for it that are unique. Number one, it has no counterparty risk. It’s one of the only assets. It isn’t simultaneously someone else’s liability. And number two, uh, gold in a vault can’t be seized or sanctioned. Right, so they’ve been going to gold, like they’ve been going to gold for, for centuries. It’s just, it hasn’t been that way since after World War ii. It’s a, it’s kinda like a back to the past kind of a situation. It’s sort of back to the future. It’s back to the past. That’s the allure for gold and the reason why they’re accumulating. In fact, they just launched their own currency unit called the unit. 40% backed by gold. The bricks nations have now it’s in its infancy and it’ll take a while for it to really, you know, work. But they’ve been building the components and the infrastructure to get to this point, creating the transfer of payment systems and all the components to go along with that so that they could announce something that they could use as a, as a settlement vehicle for trade, which is really what this is all about. And they’re backing at 40% by gold. Which is material and it’ll become bigger as time passes. Let’s, let’s try talk a little bit about that price movement. Huge. Um, is 60% in the last couple years, is that about right? This year alone, gold’s up 67% on a 12 month rolling basis, 67%. I mean, those are like bitcoin num, you know, type movements in the past. Right. They’re kind of crazy. So a lot of people are looking at those prices today and they’re thinking, well, I’m late to the party. Uh, are they late to the party? How do you, uh, what, what do you think’s going on there? I think the party’s about halfway through. We haven’t got to the late innings yet. I, I really do think this, and this is why this is the fourth major bull run in gold we’ve seen since we went off the gold standard in 1971. We had a a 20 to one run for gold in the seventies that was built on two oil shocks. 18% inflation and a crisis of confidence in the US then for the next 30 years. You know, 25 years a good part of my career. You know, watching gold was like watching paint dry. It traded routinely between three and $500 an ounce until we got into war, uh, following the nine 11 attacks, Iraq and I, Afghanistan, and we went into deficit spending. Then we had a second financial crisis when the great financial crisis hit another bull bull market in gold. Then we had COVID economic closures, another bull market in gold. Now we’ve got a fourth, but it’s lacking what the first three had, which was fear in the US over either economics or geopolitical events. So this gold price has essentially doubled since March or April of 2024. With no fear and a lot of complacency in the US markets. So my, my thinking is what happens if the economy slows down and, you know, the Fed’s gonna lower rates anyway. We know that’s coming with a new Fed chairman in the next five months, six months, number one, that’s good for gold. What happens if we go into a real economic slowdown and the Fed really has to drop rates, or God forbid, go to QE again, right? Or inflation rears its ugly head because the fed’s too accommodative in it. Situation where, you know, supplies are kind of tight still because of the monkey wrench, president Trump has thrown into the World Trade Order. You know, if we get fear in the US that’s when gold could go from 4,000 to, you know, 8,000. And I’m not saying that’s gonna happen, but I do think the trends have driven gold higher are not gonna change anytime soon. One of the things that you’re mentioning is those trends and like even. You know, in the last 15 years ago when I’ve been sort of involved in the investor world, the, the things that we talk about with trends with with gold have changed. I mean, usually you don’t see AI stocks going up with gold, right? Like, I mean, not that AI was around, but the point is tech stocks, that kind of thing. How is that thesis fundamentally changed? Um, I’m not quite sure I understand your question. Well, what I mean is like if gold was, gold used to be, I think it’s, you know, something again that people would buy when they were afraid of, of what’s going on in the equity markets. Right. Uh, that’s clearly not the case now. No, no, not at all. Right. Talk about that change. When did that change happen? How did it happen? This is a globally driven market. It’s not a US-centric market. This is fear around the world. You know, central banks started to underpin this market in 2022 when they stepped up their buying and doubled it. But this year, because of the uncertainty, uh, and some of the fear that President Trump’s tariffs and the way they’ve been deployed, kind of knee jerky, um, and inconsistently. Certainly not diplomatically, right? You know, it’s caused a lot of concern around the world. And for example, in April when President Trump announced the reciprocal tariffs on April 2nd, what happened? The bond market went into the complete dislocation, yields spiked from 4% to 4.5% in a week. The bond values tumble because investors started pulling money out of the, and taking it back home. Money that’d come in from Europe and Asia started to go back. So what did President Trump do? He pulled back the reciprocal tariffs on every country, but China and China said, well, we’re not gonna drop tariffs on you. And he said, well, we’ll ramp ’em up on you. So we went toe to toe with him. Until a week later, we were at 145% tariffs on China, and they were 125% on us. Well, if you’re a Chinese investor and you have real estate or stocks to invest in, and both of which have done badly since COVID or gold, what are you gonna do when your best customer suddenly says, Hey, we really don’t want your products, because that’s what 145% tariffs say to the Chinese. We don’t want your products. You can’t sell ’em here. You gotta go sell ’em somewhere else, but we’re their best customer. So they bought gold. They bought gold handover fist, and they drove the gold price up $500 by themselves during that month. That’s what I mean by fear outside of the us. Yeah. We don’t get it inside. Well, and and that’s fear outside of the markets too, right? I think that’s, that’s the fundamental shift I was trying to get at is true. It used to be that gold was, uh, gold would react on fear of the markets, but now there’s another level of fear, which is geopolitical. And it doesn’t seem like there’s any time soon that that’s gonna end. No, no. I, I, I’ve called it like a run on the bank only. It’s not a run on the bank of like George Bailey’s run on the bank and it’s a wonderful life. This is a run on the gold market, the physical gold and silver and platinum markets. That’s really what this is, and it’s a global rush to buy. And it’s not just central banks, it’s the public as well. Due to uncertainty, part of it’s fear of missing out now that we’ve had a big run in prices too. That’s FOMO in there too. That’s what I’m trying to, that’s part of what I was wondering too though, is like, you know, again, there’s people out there now who, um, are, are looking at this and they might even be listening to us going, gosh, yeah, it really makes sense and I happen to have no gold. What do I do? You know, what do I do now? Do I buy now? And, and I’ll, you know, and, and the next thing you know. I find out this was a frothy market and, and I’m down 20% for the next three years. I mean, that kind of thing. So I, I think it’s a, it is a tricky time, but, so that sort of, I guess, brings up when you think of gold, um, in a portfolio. I mean, you say, you’ve said in the past, it’s not about getting rich. Well, some people really did get rich this time. Uh, you said it’s about preserving wealth, right? So how should investors think about Gold’s role alongside stocks, real estate, and other assets right now? Well, even I think JP Morgan Chase has said this year, you know, instead of a 60 40 portfolio, you should have a 60 20 20 portfolio with 20% bonds and 20% precious metals. Gold in particular, because of what’s been happening. And now we don’t have a gold culture in our country, like most every other country does. So most Americans don’t get it. And that’s part of. We’ve ingrained because the dollar is the world’s reserve currency and it insulates us from currency shocks in commodity pricing primarily. Uh, without that insulation, you know, they might think things a little bit differently, but you know, any good financial planner will say you should have a little bit of precious metals as part of your portfolio, uh, as a hedge against financial uncertainty. And it certainly worked perfectly well during the great financial crisis. And when COVID hit because. Gold tends to counter cyclically, perform in price against stocks and bonds, and it’s always liquid. Now, you’re a real estate investor, you understand real estate. What couldn’t you get in 2009 alone? Right? Bankers wouldn’t give anybody money, right? But if you had gold, you could get liquidity, right? And gold, you know, almost doubled between 2008 and 2011 at the same time when most assets were dropping 50%. That’s an insurance policy for the rest of your money. That’s why I said, look, it’s a way to preserve wealth and have a hedge against financial uncertainty. But in the market that we’re in now, you know, having more than just the, the minimum, which is five to 10% of assets as a, you know, potentially an investment instead of just an insurance policy. That makes sense. But you’re right, you could buy and you could, you know, tie up money that won’t produce anything for a couple years, maybe longer. You also have an insurance policy in case the wheels do come off like they did during the great financial crisis or during COVID. Yeah. Yeah. I was listening to, uh, another podcast. I listened to the, these, uh, guys, the All In podcast, and, uh, Tucker Carlson was on there, and apparently he’s a, you know, huge, uh, physical gold guy. And, and he said, and I, I think he was serious. He said he buries it in his backyard and then he spreads a bunch of, um. Uh, a bunch of, you know, silver beads, uh, out there too, like, just in case no one can like, use a medical metal detector and find it is gold. Uh, let’s talk about that nuance of, of physical gold versus, you know, buying ETFs and all that stuff. What’s your take? I mean, what, what do you tell people when they say, well, gosh, you know, uh, it might be hard for me to store that gold and, and why shouldn’t I just get an ETF and, and talk a little bit about that? Well, I trade ETFs in my IRA account. When I think the, when I think I can harness price movement, that’s what I use ETFs for. You know, they’re a paper representation of gold, uh, that you can trade at the click of a button, physical gold. Is valuable. It’s, you have to find a place to store it. It’s pretty inert, so you can, you can bury it in your backyard, keep the elements out of it, but then there’s some risk there because it could be found, it could be stolen, so you do have to store it somewhere. You can put it in a bank safe deposit box, but I don’t really recommend that because what happens if there’s a banking holiday and you can’t get to it? So having a home safe or maybe, you know, maybe bearing it in the backyard. Is an option if that’s what you wanna do. Or there are independent professionally run storage facilities. There’s a few of ’em around the country that are run by precious metals dealers that are, you know, big entities. Uh uh. So I think they’re trustworthy and they certainly have the ability to service and aren’t properly insured. So that if something happens, you know your value is protected. And that’s primarily what you pay for as a storage fee is a percentage of value. Not so much number ounces that you have there, but the value percentage, because it is an insurance, uh, related value, right? The value goes up, they’ve gotta get more insurance so they get a higher storage fee for that same amount of metal if the value increases, which is unlike other assets. So I do have a couple of those I recommend that are run by professional. Companies that have been in business for years that we know would trust and have performed perfectly. If you wanna store, um, physical metal now gold is compact. You know, a hundred ounces is smaller than a paperback novel and it’s $450,000 worth of value today. You could, I could literally have one bar in each one of my coat pockets and be walking around with almost a million bucks in my pockets, and no one would know. Silver. You know, silver creates a bigger problem because it takes 70 ounces of silver to equal an ounce of gold. So there’s a lot more volume involved and a lot more weight, which is why sometimes these facilities make more sense if you wanna store something that’s more bulky like silver. But if you’re gonna store gold somewhere, that’s not easy to find. You wanna make sure somebody you trust behind you knows where it’s just in case something happens to you. Right? Yeah. Um. What, um, how difficult is it, uh, Dana, for someone to, I guess, say they wanna sell, say maybe they need to sell one of those bricks in your pocket there? Uh, and, and, um, is that a, um, a process that, I mean, it’s, you know, it’s not as easy as clicking a button at that point, right? But to make sure that you get the best possible price for your gold and all that, I mean, you’re not gonna go to a pawn shop and. Oh, that, so like, I, I’m just curious on the mechanics of that. ’cause I’ve, you know, I’ve, I’ve never sold, you know, physical gold for anything. So, so our, our company’s a physical dealer. We’re a hybrid between Amazon and a financial institution. And that, uh, we sell something online or over the telephone. The price is always changing on a minute by minute basis, but it’s like you’re buying shoes. It’s just, you know, you don’t quite know what the price is gonna be. So we physically, you know, figure out which product you should purchase, what’s best for you, and then we ship it to you if you want to sell it, it’s just the reverse of the transaction. You have to present it for delivery, which means you have to ship it back to, uh, your dealer, or, you know, physically deliver to them, and you get paid immediately upon delivery. So, um, you know, we, we do business like a financial institution. You can call us up, place a transaction over the phone. Uh, if it’s a smaller transaction, we’ll do that without deposit funds. If it’s a bigger transaction, we don’t know, you will want funds first, but once we lock in, that’s the price. Just like when you buy stock and then you pay the balance or, or we ship you the merchandise, whichever comes first. Um. You get it, inspect it, make sure you, you got what you’re supposed to get. In fact, it, you know, in the last two years with this gold price just climbing higher and higher, we’ve got a lot of clients that are complacent. They like the stock market that’s been hitting record highs, uh, and they’ve been shedding gold. We’ve actually bought more gold as an industry, not just our company, but as an industry in the last year than we’ve bought in a single year in 20 years. So it’s very easy to reverse the transaction. But what I would tell you. For your listeners is, and this is important, you should buy sovereign minted products, gold ounces, silver ounces, one ounce gold coins. They’re really just round bars made by the US Mint, the Royal Canadian Mint, the British Royal Mint. The Austrian Mint instead of refinery made. One ounce bars or 10 ounce bars or kilo bars of gold because we have a modest but growing problem with Chinese counterfeits. The Chinese can take tungsten and plate it with gold and pass it off as reel, and they can do that much better with refinery made bars that have plain design pictures stamped onto them. They can replicate those very well, but they cannot replicate the intricate pictures. The US Mint or the Canadian Mint, or the Austrian mint, British royal mint stamp onto that one ounce gold coin. We call it a coin. It’s just a round bar made by a mint that struck with dyes like a coin. And all of the mints around the world have introduced minute anti-counterfeiting design elements into the picture that they stamp on their coins to deter Chinese counterfeits. And it’s working. So the most important thing is, you know, do business with a reputable dealer that’s been around a long time, that has a good reputation, not a, not some new entity, right? You wanna find a, a trusted member of the community and develop a relationship that makes buying again or selling very easy. Once you have a relationship with a dealer, and we know the product you’ve purchased, we’ll take it back very easily. Uh, silver is, you know, people talk a lot about it in the context of, you know, the lump it with gold but has very different characteristics. Um, how do you think about silver today? I love silver today. Uh, it’s, it’s a metal at times as hard to love because every time it makes a big gain, it can give it up pretty easily. It’s more volatile than gold, but gold’s about 90% monetary metal in 10%. Commodity metal silver’s about 50 50, but what silver has going for it is, uh, a couple of unique characteristics that virtually no other metal comes, uh, as close to, which is conductivity of heat and electricity. Silver is amazing in that it’s the best at conducting both heat and electricity. I’ve got a one ounce silver coin on my desk here, and if you take this coin and hold it between your fingers and take an ice cube. You can literally cut that ice cube in half in about 6, 7, 8 seconds with a pure silver coin because the heat from your fingers gets transmitted to the coin and goes right through the ice cube. That’s just a simple example of how conductive silver is for temperature, and we have a structural supply deficit in the silver market that we’ve had for about five years now, where the industry. Is consuming more silver than comes out of the ground on an annual basis. So we’re eating into the above ground supply. Uh, so fundamentally that’s the supply and demand equation favor silver. Uh, plus because gold is moved up so much in price, silver is getting a rotation into it because it’s underperformed relative to gold until just recently where it’s played catch pretty sharply in just the last three or four months. If you measure. How many ounces of gold, uh, how many ounces of silver it takes to equal an ounce of gold, the gold to silver ratio back in April. That was a hundred to one, you know, which was an extreme. Today that ratio is a, is a little under 70 to one. It’s 67, 68 to one. So silver has played up in ketchup in price. Where is that historically? Uh, well. Normally it’s between about 40 to one and 80 to one with about 60 to one as the, as the pivot point where it’s in, they’re in equilibrium. But in the last four or five years with gold leading and silver lagging, we’ve routinely been in the 85 to 90 to one range. Uh, and we actually hit a hundred to one in April of this year, uh, which was the highest it’s been, um, except for when we had a kind of a knee jerk in the medals during COVID, which was an anomaly. Uh, didn’t last. So, but anyway. Silver is playing ketchup because it’s been undervalued relative to gold. Um, and we’ve seen, you know, people that wanna be in the metals, but think gold’s a little expensive. They’ve rotated out of gold, and we’ve seen some of that money move into silver and also into platinum. Now, platinum was under a thousand dollars this time of year ago, and it’s almost $1,900 announced today. So it’s almost platinum’s up, uh, almost a hundred percent now. This year where silver’s up 120% this year and a lot of this demand is driven globally. We’ve seen huge demand in silver in India this year because gold is so, has become so expensive, and that’s what I mean by a global run on the, on the bank. It’s not just China, Japan, it’s India too, and Europe as well. Physical buying and et f buying ETFs are available around the world in precious metals now that really haven’t been very impactful until this year. Um, but that’s what the world’s doing, you know? No discussion these days on gold is complete without at least mentioning Bitcoin. Uh, you know, and, and it’s, it’s interesting because, um, you know, even within the, uh, uh, gold world, I mean, there’s, there’s some prominent people who are really bought in to Bitcoin. Like I, Lawrence Lepert has been on the show multiple times now, and Larry’s all in. Um, just curious as a, you know, as a gold person, what do you see where, what do you see the role or do you not believe in this thing? Do you believe it is a, a parallel? Um, I, there’s so many things that you say about gold. That I’m like, yeah, you can say that about Bitcoin too and carry, you know, millions of dollars in your pocket. You can, you know, it’s, uh, there’s a very little amount of it. Um, obviously it’s new, right? Gold has been around for, since the beginning of time and, and now we’ve got 2009 for Bitcoin. What is your view? How are you seeing it? May, how are your colleagues seeing it in the gold space? Well, a couple different points to make here. Um, you know, when, when Bitcoin came out in 20 10, 20 11, you know, one of my friends in the, in the precious metals business told me I should buy it when it was 20 bucks and I didn’t get it. So I didn’t do it, and that was a big mistake on my part. But Bitcoin has one advantage that no other currency or gold has, which you can move serious money over borders easily. You’re right, you can carry it around in your pocket, in your wallet and, um, you know, you carry a lot of value around and transfer it at the, you know, click of a button. And no co counterparty risk, just like you said with gold, right? Yeah. Well, there’s some modest counterparty risk with, with bitcoin that you, you have counterparty risk with gold and theft as well. Um. Bitcoin is volatile. It’s, you know, it’s, it’s very volatile. It’s still the speculative investment. I mean, it was 124,000, you know, four months ago, and now it’s about 85,000, 90,000. So there’s volatility there that gold doesn’t have. But more importantly, what I’ve seen in my career is a generational divide. The older, older people, you know, 45 and older, like gold and silver. Younger people that grew up with phones in their hands like Bitcoin. The volatility in Bitcoin that we’ve seen in these two big selloff cycles in Bitcoin have not the first one, but the second one have helped to bring some of those younger people into the stability of gold, especially in the year when gold is doing pretty well. ’cause it then it kind of has a little bit of that Bitcoin allure, which is, you know, get rich quick. But, um. Bitcoin’s volatile, but it’s here to stay and it is now the most respected cryptocurrency. Like I almost bought Ethereum, you know, 10 years ago when one of my friends was explaining both to me and said that Ethereum basically had better fundamentals. But you know, it’s kind of inventing, it’s kinda like investing in a. What, uh, beta, beta max instead of VHS back in the day. Some of the older people remember that. You bet on the wrong horse, you know? Yeah, exactly. Well, you’ve, uh, you know, you built this, uh, firm on transparency, integrity, uh, in an industry that doesn’t always have the best reputation. Right? So for investors who decide that precious metals belong in their portfolio. Uh, how can they get a hold of you? Well, our website is, uh, A-M-E-R-G-O-L d.com. Uh, we don’t have, you know, 10,000 items on our website. We have a, we have a small listing of what available products are because we stick with mainstream items, products that are primarily easy to sell, uh, competitively priced, widely traded, and easily understood. Um, uh. Uh, email address is info I nfo@amggold.com. Uh, we have a toll, toll free number 806 1 3 9 3 2 3. Uh, we’re consultative in nature. We’ll, we’ll answer any questions. Happily, gladly, uh, no transactions too small or too large. What we really wanna do, uh, is help people because if we do that, we help ourselves. And when you treat people right, it, it comes back. And our industry does have a chair of bad actors. And, um, you, you wanna make sure that you do business with someone reputable that’s been in the industry a long time. And I understand some people may wanna do this locally where they can actually walk into a place of business. Do this instead of over the phone. So look for dealers that have, you know, longstanding, uh, businesses and good reputations. If you see a reputation that, uh, has some complaints, you know, there are other choices for you. But, um, we just try and help people buck. That’s really what we try and do. We certainly have the reputation for it. Dana. So thank you so much for being on Wellfor podcast. Well, thanks for having me. It’s great to see you again, and I wish you a great success in 2026 and a happy holiday season. You too. You make a lot of money, but are still worried about retirement. Maybe you didn’t start earning until your thirties. Now you’re trying to catch up. Meanwhile, you’ve got a mortgage, a private school to pay for, and you feel like you’re getting further and further behind. Now, good news, if you need to catch up on retirement, check out a program put out by some of the oldest and most prestigious life insurance companies in the world. It’s called Wealth Accelerator, and it can help you amplify your returns quickly, protect your money from creditors, and provide financial protection to your family if something happens to you. The concepts here are used by some of the wealthiest families in the world, and there’s no reason why they can’t be used by you. Check it out for yourself by going to wealth formula banking.com. Welcome back to Show England. Hope you enjoyed it and, uh, I will. Uh, I should admit though, that if you go back and you listen on my, uh, past shows, this is one that I was wrong on. I, I’ve never been a gold bug. My biggest issue with gold. Um, has always been, you know, from an investment thesis that it doesn’t really do anything, doesn’t yield anything, and what’s the point of owning it rather than owning, uh, real estate. And actually, if you just look at what I said, it’s, it’s still, it’s still, it’s still kind of true, right? I mean, you can argue, well, yeah, the real estate markets really did, uh, did struggle over the last couple years. But listen, at the end of the day. The real estate market struggled because of leverage, right? Gold. There’s no leverage, no one’s borrowing, buying gold on leverage, and so it can go up and down and it doesn’t really hurt anybody. If you take the last couple decades and you know how much people made from, uh, real estate versus Bitcoin, even though there’s this huge, uh, huge uptick in Bitcoin now it’s, it’s probably the case that they come out pretty close. If not, uh, you know, real estate still being the winner. But anyway, uh, I do want to say and admit that I was wrong. That, uh, that the gold wasn’t really worth, uh, owning. I think, uh, you know, I wish I had owned some, just like a lot of people wish they’d own Bitcoin at $6,000, right? Um, in fact, I will say that one of the things in hindsight that I think of is gold in many ways for the last several years was on sale. And I haven’t really been talking about this as much, but I’ve been reflecting on this a great deal about making sure that as an investor you wake yourself up once in a while and ask, okay, well, what’s on sale? Well, gold was on sale for a while. Silver was definitely on sale. Right? Um, doesn’t mean you have to go in, have, you know, 50% of your portfolio in something like that, but when something’s on sale, it’s not a bad idea to look around. And maybe get, you know, get a little bit of exposure. I do think that real estate is there right now. I think real estate, you know, if you’re in the credit investor group, you’re seeing on a routine basis 30%, uh, discounted offerings from just a couple years ago. And I do think that’s on sale right now. But there are other things as well, arguably. I mean, I, I actually think that Bitcoin is, uh, uh, sort of on sale right now. I mean, sitting at 86,000, anybody who thinks it’s not gonna go to a hundred thousand at some point in the next, you know, 12 months is, I mean, I think it’s highly unlikely that it doesn’t go to a hundred thousand, right? So think about that right now. That’s like a 14% gain right then and there. Anyway, sometimes it’s good to just look around and see what’s on sale. Uh, that’s my message for this week. Uh, this is Buck Joffrey with Wealth Formula Podcast signing off. If you wanna learn more, you can now get free access to our in-depth personal finance course featuring industry leaders like Tom Wheel Wright and Ken McElroy. Visit wealthformularoadmap.com.

Why is it so hard to explain what you do, even when you're really good at it? In this episode, messaging strategist Damian Vallelonga breaks down why solopreneurs struggle with clarity, confidence, and consistency in their messaging, and what to do about it.We talk about why referrals aren't a strategy, how vague language quietly kills opportunities, and the exact framework Damian uses to help solopreneurs create elevator pitches, website headlines, and LinkedIn bios that actually make sense to other humans. If you've ever said, “I know what I do, I just don't know how to explain it,” this episode is for you.Episode FAQsWhy do solopreneurs struggle to clearly explain what they do?Solopreneurs struggle to explain what they do because they know too much. Years of experience, details, and expertise live in their heads, making it hard to simplify their message for someone hearing it for the first time. Clear messaging requires stepping outside your own perspective and focusing on what your audience needs to understand, not everything you know.What is the simplest framework for creating an effective elevator pitch?An effective elevator pitch has three parts:The common problem your ideal client is struggling withWhat you do to help solve that problemThe outcome or transformation they experience as a resultThis structure keeps your message focused, relatable, and easy to remember, without turning it into a list of credentials or services.How often should solopreneurs update their messaging?Solopreneurs should revisit their messaging any time their business changes in a meaningful way. This includes adding or removing services, narrowing a niche, shifting strategy, or changing who they serve. Messaging should always follow business strategy, because outdated or unclear messaging creates confusion, and confusion is one of the biggest barriers to growth.

Do your patients really have two bites? Does their bite change when they lie down? When they sleep? And how can you explain centric relation, posture, and deprogramming in a way that patients actually understand? Dr. Bobby Supple joins Jaz for a powerful episode unpacking one of the most misunderstood topics in occlusion: the daytime chewing bite versus the nighttime airway bite. After spending days with Bobby in his New Mexico clinic, Jaz saw firsthand how simply and elegantly Bobby communicates concepts that usually leave patients — and dentists — confused. Together, they explore why bite discrepancies exist, what happens when the condyles fully seat, and how aligning Bite One and Bite Two over time can transform patient comfort and restorative outcomes. https://youtu.be/EC_qxUF7GxI Watch PDP252 on YouTube Protrusive Dental Pearl When assessing abfractions, always check the patient's bite in two positions: seated upright and lying back. Posture subtly shifts the condylar position and can change how forces load the tooth. Want more gems like this? AskJaz — your on-demand dental brain, will be soon baked right into the Protrusive App. Key Takeaways: Every patient has two bites — their upright chewing bite and their horizontal airway bite. Posture changes the condylar position more than we realise. Clear communication can make complex occlusion concepts instantly understandable. Aligning Bite One and Bite Two over time leads to healthier joints and more predictable dentistry. Highlights of this episode: 03:36  Pearl – Assessing Abfractions 06:47 Dr. Bobby Supple’s Journey to Dentistry 10:46 Confusion Around Centric Relation 13:22 Exploring T-Scan Technology 21:40 The Evolution of Digital Occlusion 27:05 Effect of Sitting vs. Reclined Position 32:03 Airway and Skeletal Asymmetry 37:19 Bite Philosophy and Treatment 42:10 Orthotics and Long-term Care 52:13 Preventive Dental Care 58:18 Ask Jaz AI (Beta Launch)

Economic data, market trends, and retirement planning topics are often discussed without sufficient historical context. In this episode of the Money Matters Podcast, Wes Moss and Jeff Lloyd present an educational discussion that places recent economic releases and market observations within a long-term analytical framework. • Review the latest Consumer Price Index (CPI) release by situating current inflation readings within more than 80 years of historical inflation data. • Examine the historical development of the Federal Reserve's 2% inflation target by comparing it with observed inflation outcomes across multiple economic periods. • Discuss how recent government shutdowns delayed scheduled economic data releases and why temporary reporting gaps can affect short-term market narratives. • Explain commonly referenced employment metrics by outlining the differences between the household survey and the establishment survey used in labor market reporting. • Evaluate the employment-to-population ratio (EPOP), including prime working-age participation, as a frequently cited measure of labor market conditions. • Illustrate how year-over-year and multi-year inflation rates can demonstrate the compounding effect of price changes on purchasing power over time. • Compare historical inflation trends with long-term S&P 500 dividend growth to provide context on income-oriented equity characteristics. • Revisit balanced 60/40 portfolio performance in historical discussions to reinforce diversification as a commonly referenced investment framework. • Place the current bull market within a broader historical context by reviewing average cycle durations and the range of outcomes observed over time. • Observe market behavior following spring volatility, including changes in sector participation within the S&P 500. • Highlight ongoing public discussion around artificial intelligence and its potential role in productivity and efficiency across multiple economic sectors. • Review publicly reported fiscal stimulus expectations, including projected changes to tax refunds in 2026 and their possible macroeconomic implications. • Consider housing and real estate themes for the coming year by outlining economic and demographic factors commonly associated with market activity. • Summarize research-based observations on retiree well-being, including written planning approaches, engagement in meaningful activities, and social connection. For listeners seeking discussion about inflation, employment data, market history, and retirement planning concepts, this episode provides structured context grounded in long-term observations. Listen to the Money Matters Podcast and subscribe to stay informed about highly searched financial topics.

Many teachers are frustrated when AI gives great results one day and confusing or unreliable responses the next. This episode explores why that happens and how it affects both teachers and students in real classrooms. I sit down with Rob the AI Guy to unpack a key concept that explains much of this inconsistency and helps educators use AI more wisely. If you want clearer results and better classroom conversations about AI, this episode will help. In this episode, you'll learn how to: Understand why AI responses can drift or become unreliable over time Use simple strategies, like starting fresh conversations, to get better results Explain the idea of a context window to students in clear, age-appropriate ways Help students avoid overtrusting or misusing AI tools Emphasize critical thinking when working with AI in the classroom Show notes and resources: https://www.coolcatteacher.com/e922

Ken Carman and Anthony Lima talk about if it's better for Shedeur Sanders if Andrew Berry is retained as the general manager next year. They then talk about Myles Garrett and if he needs to explain some things before getting into Lima Likes.

Ken Carman and Anthony Lima talk about Myles Garrett and whether he needs to explain himself about choosing to stay in Cleveland. They also debate whether or not Garrett has to get the sack record this week against the Steelers.

Have you ever been asked what you do as a coach… and suddenly found yourself fumbling, overexplaining, or defaulting to vague phrases that don't actually land? Or maybe you know what you do in your head, but saying it out loud feels clunky or overly formal.   In this episode of The Divorce Revolution Podcast, I'm talking about why "coach speak" actually gets in the way of connection—and how learning to explain what you do in simple, real-life language can completely change how potential clients respond to you.   If you've been struggling to clearly explain what you do, worried about sounding salesy, or hiding behind vague language because you don't feel confident yet, then this episode is for you.   Resources Mentioned: The Confident Coach Certification Waitlist is the ONLY certification specifically for divorced moms who want overcome imposter syndrome and finally feel legit: https://products.ambershaw.com/certification   What I Discuss: 01:36 Why clear communication matters more than sounding "professional" 03:06 Why coaching jargon muddies your message instead of helping it 08:37 The Fourth Grader Test—and why it's such a powerful filter 10:58 How to simplify what you say without dumbing it down 13:46 The real fears that keep coaches vague (and how to move past them) 16:12 How clarity builds trust faster than anything else   Find more from Amber Shaw: Instagram: @msambershaw Website: ambershaw.com 

Nick and Jonathan are joined by Browns analyst Nathan Zegura, and they cover the biggest stories in Cleveland sports with ‘The Lead.' Also, they react to Myles Garrett's ‘next question' answer after the Bills loss.

Let's get down to it: Avatar: Fire and Ash is visually stunning, but incredibly long. Do the visuals do enough to make the movie good? Let's discuss.

Matthew 2 Examine the Emotions that Are Stirred by the King (1-11) Explore the Desires that Are Revealed by the King (12-15) Explain the Actions that Are Unveiled by the King (16-23)

A discussion on whether the true explanation for UFOs, alien encounters, cryptid sightings, etc., has something to do with an invisible, non-human consciousness that exists in a parallel universe or alternate dimension on Earth that has the ability to create physical avatars that can interfere with our physical reality on a temporary basis.Links/Sources:HOMEGROWN MONSTERS by Christopher Noël: https://amzn.to/4jau9tBBigfoot Caught on Tape at Night HDSupport Extraterrestrial Reality/Quirk Zone on Patreon:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.patreon.com/c/Extraterrestrial_Reality⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Check out my YouTube channel:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Quirk Zone - YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Extraterrestrial Reality Book Recommendations:Link to ROSWELL: THE ULTIMATE COLD CASE: CLOSED: https://amzn.to/3O2loSILink to COMMUNION by Whitley Strieber: https://amzn.to/3xuPGqiLink to THE THREAT by David M. Jacobs: https://amzn.to/3Lk52njLink to TOP SECRET/MAJIC by Stanton Friedman: https://amzn.to/3xvidfvLink to NEED TO KNOW by Timothy Good:  https://amzn.to/3BNftfTLink to UFOS AND THE NATIONAL SECURITY STATE, VOLUME 1:  https://amzn.to/3xxJvlvLink to UFOS AND THE NATIONAL SECURITY STATE, VOLUME 2: https://amzn.to/3UhdQ1lLink to THE ALLAGASH ABDUCTIONS: https://amzn.to/3qNkLSgUFO CRASH RETRIEVALS by Leonard Stringfield: https://amzn.to/3RGEZKsFLYING SAUCERS FROM OUTER SPACE by Major Donald Keyhoe: https://amzn.to/3S7WkxvCAPTURED: THE BETTY AND BARNEY HILL UFO EXPERIENCE by Stanton Friedman and Kathleen Marden: https://amzn.to/3tKNVXn#ufos #aliens #vegas aliens #ufo podcast

A discussion on whether the true explanation for UFOs, alien encounters, cryptid sightings, etc., has something to do with an invisible, non-human consciousness that exists in a parallel universe or alternate dimension on Earth that has the ability to create physical avatars that can interfere with our physical reality on a temporary basis.Links/Sources:HOMEGROWN MONSTERS by Christopher Noël: https://amzn.to/4jau9tBBigfoot Caught on Tape at Night HDSupport Extraterrestrial Reality/Quirk Zone on Patreon:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.patreon.com/c/Extraterrestrial_Reality⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Check out my YouTube channel:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Quirk Zone - YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Extraterrestrial Reality Book Recommendations:Link to ROSWELL: THE ULTIMATE COLD CASE: CLOSED: https://amzn.to/3O2loSILink to COMMUNION by Whitley Strieber: https://amzn.to/3xuPGqiLink to THE THREAT by David M. Jacobs: https://amzn.to/3Lk52njLink to TOP SECRET/MAJIC by Stanton Friedman: https://amzn.to/3xvidfvLink to NEED TO KNOW by Timothy Good:  https://amzn.to/3BNftfTLink to UFOS AND THE NATIONAL SECURITY STATE, VOLUME 1:  https://amzn.to/3xxJvlvLink to UFOS AND THE NATIONAL SECURITY STATE, VOLUME 2: https://amzn.to/3UhdQ1lLink to THE ALLAGASH ABDUCTIONS: https://amzn.to/3qNkLSgUFO CRASH RETRIEVALS by Leonard Stringfield: https://amzn.to/3RGEZKsFLYING SAUCERS FROM OUTER SPACE by Major Donald Keyhoe: https://amzn.to/3S7WkxvCAPTURED: THE BETTY AND BARNEY HILL UFO EXPERIENCE by Stanton Friedman and Kathleen Marden: https://amzn.to/3tKNVXn#ufos #aliens #vegas aliens #ufo podcast

Do miracles still happen or have we explained them away with modern medicine? Today, I am with Dr. Marc Siegel, Fox News senior medical analyst, NYU clinical professor, and practicing physician, to explore why many doctors believe miracles are not relics of the past, but realities they still encounter today. He argues that as medical skill advances, the value of human life and the reality of the soul become harder to ignore. Miracles are often not single supernatural moments, but an accumulation of unlikely outcomes, faith, perseverance, and healing. READ: The Miracles Among Us, by Dr. Marc Siegel: https://amzn.to/4rVVPGy *Get a MASTERS IN APOLOGETICS or SCIENCE AND RELIGION at BIOLA (https://bit.ly/3LdNqKf) *USE Discount Code [smdcertdisc] for 25% off the BIOLA APOLOGETICS CERTIFICATE program (https://bit.ly/3AzfPFM) *See our fully online UNDERGRAD DEGREE in Bible, Theology, and Apologetics: (https://bit.ly/448STKK) FOLLOW ME ON SOCIAL MEDIA: Twitter: https://x.com/Sean_McDowell TikTok: https://www.tiktok.com/@sean_mcdowell?lang=en Instagram: https://www.instagram.com/seanmcdowell/ Website: https://seanmcdowell.org Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.

The dark cloud continues to follow LeBron James and his teams, Nikola Jokic is doing something the NBA can't explain, Luka Dončić suffers a devastating back injury from carrying LeBron, and JJ Redick throws his best player under the bus to shield LeBron from criticism Download the PrizePicks app today and use code CLNS and get $50 instantly when you play $5! Learn more about your ad choices. Visit megaphone.fm/adchoices

Make sure to grab our breakdown of the 5 Low-Cost Businesses That Make $1 Million: https://www.franchiseempire.com/lowcost?utm_source=FEdec212025If you liked this video and want to find out which businesses might actually be worth the investment, make sure to check out this video: https://youtu.be/G9Ka84_6NZMBefore you invest in a franchise, there are two conversations you have to get right: the one with your spouse and the one with yourself. In this episode, we talk openly about what most people avoid: How to get your spouse on board (and what happens if they're not), what profit potential really means (and what it doesn't), and how to evaluate if franchising is right for your family and your future. Whether you're just starting to explore franchises or you're already deep in research, this conversation will give you clarity, strategy, and a real-world gut check.------------------Considering Investing In A Franchise?

StopTheEdgemoorPort.com members John Yaschur and Simeon Hahn explain why the state auditor's report solidifies ending the proposed expansion.

Host Curt Jaimungal launches #CORE1, a competition seeking high-level video explainers for physics, AI, and philosophy. If you're a researcher or student, you'll have a chance to win part of the $5,000 prize pool by sharing your technical expertise with the world. For inquiries, email: core_toe@proton.me TIMESTAMPS: - 00:00 - Incentivizing Advanced Research Exposition - 05:05 - Formalizing Pedagogical Evaluation Standards LINKS: - CORE1 FAQ: https://curtjaimungal.substack.com/p/core - CORE1 Submission Form: https://tally.so/r/xXrk1o - CORE1 Discord Link: https://discord.com/invite/VdGFUYtPDS - For Inquiries, email: core_toe@proton.me - Constructive QFT: https://ncatlab.org/nlab/show/constructive+quantum+field+theory - Coleman-Mandula Theorem: https://en.wikipedia.org/wiki/Coleman%E2%80%93Mandula_theorem - Eva Miranda [TOE]: https://youtu.be/6XyMepn-AZo - Emily Riehl [TOE]: https://youtu.be/mTwvecBthpQ - Summer of Math Exposition: https://some.3b1b.co/ - Scaling Laws for Neural Language Models [Paper]: https://arxiv.org/pdf/2001.08361 - Elan Barenholtz [TOE]: https://youtu.be/A36OumnSrWY - Elan Barenholtz & William Hahn [TOE]: https://youtu.be/Ca_RbPXraDE - Joscha Bach & Karl Friston [TOE]: https://youtu.be/CcQMYNi9a2w - Double Descent Demystified [Paper]: https://arxiv.org/pdf/2303.14151 - Ted Jacobson on Diffeomorphism Invariance: https://youtu.be/r6kdHge-NNY - Jacob Barandes [TOE]: https://youtu.be/7oWip00iXbo - Barry Loewer & Eddy Chen [TOE]: https://youtu.be/xZnafO__IZ0 - 3Blue1Brown's YouTube Channel: https://www.youtube.com/c/3blue1brown - Bas van Fraassen [TOE]: https://youtu.be/lhpRAWxvY5s - Can Physics Explain Its Own Laws? [TOE]: https://youtu.be/0_Px5gbs9i0 - Max Tegmark [TOE]: https://youtu.be/-gekVfUAS7c - Geoffrey Hinton [TOE]: https://youtu.be/b_DUft-BdIE - Sir Roger Penrose [TOE]: https://youtu.be/iO03t21xhdk - Why I Don't Buy the Simulation Hypothesis [TOE]: https://youtu.be/3_lBPMc6JRY - String Theory Iceberg [TOE]: https://youtu.be/X4PdPnQuwjY SUPPORT: - Support me on Substack: https://curtjaimungal.substack.com/subscribe - Support me on Crypto: https://commerce.coinbase.com/checkout/de803625-87d3-4300-ab6d-85d4258834a9 - Support me on PayPal: https://www.paypal.com/donate?hosted_button_id=XUBHNMFXUX5S4 JOIN MY SUBSTACK (Personal Writings): https://curtjaimungal.substack.com LISTEN ON SPOTIFY: https://open.spotify.com/show/4gL14b92xAErofYQA7bU4e SOCIALS: - Twitter: https://twitter.com/TOEwithCurt - Discord Invite: https://discord.com/invite/kBcnfNVwqs Guests do not pay to appear. Theories of Everything receives revenue solely from viewer donations, platform ads, and clearly labelled sponsors; no guest or associated entity has ever given compensation, directly or through intermediaries. #science Learn more about your ad choices. Visit megaphone.fm/adchoices

Looking for an educational overview of today's most commonly searched retirement planning topics? In this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase provide context around retirement income planning, tax considerations, and widely referenced financial frameworks, helping listeners better understand how these concepts are typically discussed. • Review how Roth IRA conversions are generally evaluated and why converting an entire retirement account balance in a single tax year can materially affect taxable income calculations. • Explain how marginal tax brackets apply to large conversions and why simplified terms like “tax bomb” may not fully reflect how tax liability is determined. • Highlight considerations associated with forgotten or inactive 401(k) accounts and why consolidation is often discussed from an organizational or administrative perspective. • Examine how withdrawal flexibility prior to Social Security eligibility is commonly framed when discussing early-retirement income planning. • Outline factors frequently reviewed when evaluating whether life insurance coverage remains appropriate as family and financial circumstances change. • Clarify how Secure 2.0 legislation outlines limited 529 plan–to–Roth IRA rollovers, including applicable statutory rules, eligibility criteria, and contribution constraints. • Compare the traditionally cited 4% withdrawal framework with alternative retirement income scenarios that include pensions or guaranteed fixed-rate income sources. • Discuss how “dry powder” reserves are often described using bond ETFs or money market ladders within retirement planning conversations. • Evaluate the role small- and mid-capitalization stocks may play alongside large-cap equities within diversified, long-term portfolio discussions. • Reframe home value benchmarks in an inflationary environment while noting why mortgage status is often considered when assessing retirement readiness. Listen and subscribe to the Retire Sooner Podcast for ongoing discussions that explore retirement planning concepts, market context, and long-term financial considerations. Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to the Grace in Focus podcast. Today, Bob Wilkin and Sam Marr will address how to explain James chapter two to a person who does not believe in eternal security. Why is James 2 not about eternalsalvation? What is “Dead Faith”? How can we put faith into practice so that it is not unprofitable.

For the first time in weeks, Trump sounded like Trump — focused, disciplined, and deadly clear. In this episode, Tara breaks down the speech that finally connected the dots for everyday Americans: inflation + housing costs + illegal immigration + corruption — all tied together in one message. From affordability and interest rates to housing shortages, welfare incentives, crushed wages, and massive fraud, this was the explanation millions of Americans have been waiting to hear — especially those who don't live on talk radio.

That speech wasn't just good — it was strategic. Tara breaks down why Donald Trump's tightly focused, 18-minute address may be one of the most important speeches heading into the midterms. From crushing prescription drug prices to exposing massive health care fraud tied to Obamacare, insurance companies, and illegal immigration, Trump finally said out loud what most Americans never hear — because if you don't listen to talk radio, you have no idea what was done to this country. This episode explains the corruption, the incentives, and why repeating this message every single day could change everything.

I think It's Only Going To Get Worse...watch the full podcast https://www.youtube.com/watch?v=gIVsRq43t5oBecome a Member and Give Us Some DAMN GOOD Support :https://www.youtube.com/channel/UCX8lCshQmMN0dUc0JmQYDdg/joinGet your Twins merch and have a chance to win our Damn Good Giveaways! - https://officialhodgetwins.com/Get Optimal Human, your all in one daily nutritional supplement - https://optimalhuman.com/Want to be a guest on the Twins Pod? Contact us at bookings@twinspod.comDownload Free Twins Pod Content - https://drive.google.com/drive/folders/1_iNb2RYwHUisypEjkrbZ3nFoBK8k60COFollow Hodgwtins Podcast Everywhere -X - https://x.com/hodgetwinspodInstagram - https://www.instagram.com/hodgetwinspodcast/Facebook - https://www.facebook.com/thehodgetwinsYouTube - https://www.youtube.com/@HodgetwinsPodcastRumble - https://rumble.com/c/HodgetwinsPodcast?e9s=src_v1_cmdSpotify - https://open.spotify.com/show/79BWPxHPWnijyl4lf8vWVuApple - https://podcasts.apple.com/us/podcast/hodgetwins-podcast/id1731232810

Check out my latest Masterclass:    How To Go From Sick To Superman (Masterclass)   Check out the Mineral Essentials Guide: Mineral Essentials Guide  

We sit down with Michael Parker (writer of Don't Thank Me For My Service -- Allow me to Explain) to discuss his book and more.

Ghosting has become a two-way street in today's hiring world. Job seekers feel like recruiters disappear after they send in their application or even after a face-to-face interview. Recruiters, on the other hand, feel that applicants vanish just as often, not showing up for interviews, not returning calls, or even skipping their first day after completing the entire onboarding process. And at the same time, recruiters are overwhelmed with applicants who apply for jobs they're not qualified for or who have no experience in the industry at all.  In our light industrial, warehousing, and logistics sectors, I feel this problem is amplified. These environments move fast. Productivity, shipping schedules, and labor shortages collide with the reality of high turnover, long shifts, and job seekers searching for stability. Somewhere in the middle of all that, communication breaks down, and both sides are feeling frustrated.  I'm Marty with Warehouse and Operations as a Career and today I want to take a look at these frustrations and talk about what’s going on and what both sides could do a little differently.  I hear from applicants that Recruiters don't care about me. When an applicant submits a resume or fills out an online application, they often attach hope to it. They picture the job, the schedule, the pay, and what it would mean for their family. When they don't hear back quickly, or at all, it can feel personal. One person shared with me that there are too many automated systems, and not enough real interaction.  I'd have to agree that most companies now rely on automated applicant tracking systems. These systems filter applications, sort resumes, and may even generate a generic we've received your application email. The problem is that applicants crave human feedback. When all they get is an automated message and no follow-up, they assume they've been ignored. And when they do talk to someone, only to never hear back again, it feels like being dismissed all over again.  It's important to remember the fast pace of the industry though. Warehousing and manufacturing don't slow down. Recruiters are juggling open orders, client requests, resignations, no-shows, and internal deadlines, all at the same time. When 100 people apply for a forklift job, and only 12 actually meet the minimum requirements, it's simply not feasible to call each of the remaining 88 applicants personally to explain why they are not qualified.  Applicants interpret this as ghosting, but, or I feel, in most cases it's not intentional. It's more of a bandwidth issue.  I recently had a hiring agent tell me that applicants don't always realize they don't meet the requirements. And I think this is an uncomfortable truth, but an important one.  Many applicants may believe, If I apply, maybe they'll call and train me. Or I've been in a warehouse before, so I can drive a forklift or pick it up really quick, I'm a fast learner. Or maybe they could be thinking, I'm sure they'll make an exception.  I'm certain recruiters wish they could take more chances, but safety regulations, productivity metrics, and client expectations don't allow it. Some jobs simply require knowledge, certifications, or experience that the applicant doesn’t have yet.  When an applicant assumes they're qualified and the recruiter sees clearly that they are not, the communication gap widens, and silence can feel like disrespect.  Looking for work is stressful. You may have seen our webinar Looking for work is hard work. When a candidate feels rejected, especially without explanation, it hits hard. They may assume they weren't good enough. Their experience isn't valuable. And that recruiters don't care. And with that mindset, even small delays can feel like we're being ghosted.  And the recruiter's perspective is that applicants disappear just as much, sometimes more! Recruiters feel the ghosting too, and in many cases, the impact is heavier on them because it affects production, client expectations, and the entire shift lineup. Even their pay, or commission.   Let’s see, I had a list of what a recruiter friend called her pain points. Here it is. Ok, number 1, The No-Call, No-Show Interview. This is one of the biggest frustrations recruiters faces. They schedule interviews, send reminders, follow up with calls and texts and then the applicant simply doesn't show up. No message, no explanation. Sometimes the recruiter learns the applicant accepted a competing offer. Sometimes they don't find out anything at all.  Number 2. is dropping out after the job offer. Even after a successful interview and onboarding, applicants stop answering calls. They disappear after receiving the offer. They accept the job but then take a different offer with a higher pay rate. Recruiters understand, people need to do what's best for themselves and their families. But when deadlines are tight and clients are waiting, this ghosting creates real operational challenges. A phone call could go a long way. I always think about not burning bridges. Of course I'm going to take the better job, but who knows. I may need to reach back out to this recruiter someday!  Alright, number 3. The most painful ghosting, not showing up on the first day. Remember or recent episode titled NCNS? Anyway, this one is devastating for clients and recruiters. After investing time, energy, paperwork, background checks, and orientation, the applicant simply does not show. And many never call to explain why.  In the light industrial field, where schedules are built tightly around shift needs, one missing person can throw off picking rates, loading times, assembly line speeds, shipping windows, and overall productivity.  Recruiters and hiring agents understand that emergencies happen. Cars break down. Kids get sick. People change their minds. But the absence of communication leaves recruiters scrambling, often long after the applicant has already moved on.  In my opinion, or the way I look at it, by the way, that and a dollar will get you a donut, but I feel Ghosting isn't really about disrespect. It's more about fear, stress, assumptions, and misaligned expectations.  Here are my thoughts towards the root causes of driving the cycle. Theres too much automation, not enough human contact. Technology sped up the hiring process but it also removed the personal element both sides need. And job seekers apply to dozens of positions at once. One-click applications mean applicants may not even remember all the jobs they applied for. Recruiters then spend hours calling candidates who barely recall applying. And a big one, many applicants apply for jobs they aren't qualified for. Not out of laziness, but out of hope. Here's one I experienced this week. Recruiters are managing heavy workloads. When you're trying to fill 20 positions by tomorrow, one on one follow-up becomes impossible.  It's easy for all of us to assume the worst. Applicants think, They didn't call, so I must not matter. Recruiters think, If they're not answering now, they won't show up on the job. These assumptions kill communication before it even begins. And quite frankly I think their cop outs and ridiculous!   So, now that we know all that, how can, us as applicants, reduce the chance of being ghosted. While nothing eliminates ghosting entirely, here are ways we can dramatically increase our chances of hearing back and staying in the running. First, lets apply only to jobs we meet the minimum qualifications for. This shows the recruiter you're serious and saves you both time. Next, answer our phone and check voicemail. I know, we're all getting 10 spam calls a day so we screen them. But remember, a recruiter may be making 50 calls for our position. Recruiters move fast. Missing a call by two hours can mean the position is already filled. Here is one few of us do. We shouldn’t have to but it helps. Follow up professionally. A simple message, voice mail or email, goes a long way, Hi, just checking on the status of my application. I'm still very interested. And lets be honest about our schedule and abilities. Recruiters will respect transparency. And lastly, if you change your mind, tell someone. Closing the loop builds a good reputation, especially with agencies you may want to work with later.  OK, so how can recruiters do more to reduce ghosting from us applicants? I know that recruiters can't fix every no-show, but they can improve engagement. They can communicate early and clearly. Us applicants respond better when we know timelines and expectations upfront. Maybe send short, personal texts. A text feels more human than an automated email. Or an email with our name in it! And her is a big one. Explain the job requirements before the interview. List details in your ad. This prevents surprises and encourages honesty from us. As recruiters, you are busy, very busy, but try and treat applicants with respect, even when declining them. Don't make us feel bad and leave us with no hope!  Candidates remember how they were treated. Remember we still have to search for a position.  Oh yeah, and please avoid overselling the job. Honesty builds that long-term trust.  Everybody wants the same thing right? Applicants want stability, fair pay, communication, and a chance. Recruiters want reliable workers, honest communication, safety, and productivity. Neither side wakes up intending to ghost anyone most of the time, the silence isn't personal, it's situational.  When both sides understand the pressures the other is under, communication gets better, expectations align, and opportunities become clearer. Ghosting might not disappear entirely, but it loses a bit of its sting. And more importantly, it opens the door to better hiring relationships where respect runs in both directions.  Now that one of the larger opportunities in our industry is solved, we'll call it a wrap. Seriously though, we're all people, our needs and agendas are different, but we can and should help each other when it comes to our professional lives. Have a great week and be safe in all you do. We want to see you back here next week.

If you take a racist bigot who abuses his wife, is angry and feels like his white privilege is under constant assault and make him rich and evil, you just turned Archie Bunker into Donald Trump. The trouble is that MANY Americans are fine with that.

3rd hour of the G-Bag Nation: Football Fix; How you do explain what Fred & Blake said about the Cowboys locker room; NFL Great Mark Schlereth joins the Nation to talk Vikings win over the Cowboys and week 15 of the NFL full 2160 Wed, 17 Dec 2025 01:20:58 +0000 o4X7nh6x2sj8Gzk0avrcL5PBlTis9V4m sports GBag Nation sports 3rd hour of the G-Bag Nation: Football Fix; How you do explain what Fred & Blake said about the Cowboys locker room; NFL Great Mark Schlereth joins the Nation to talk Vikings win over the Cowboys and week 15 of the NFL The G-Bag Nation - Weekdays 10am-3pm 2024 © 2021 Audacy, Inc.

If you made smarter use of your email list, would you sell more trips? Sheila Scarborough believes you would. A travel journalist turned tourism marketing consultant, she has helped dozens of organizations hone their marketing strategies. And in the age of social media, she’s still a big believer in old-fashioned email. Sheila joins this episode of the podcast to share how travel entrepreneurs can use email to build a reliable marketing strategy when social stops working. She gives some practical advice on what your email campaigns should look like and gives an inside look at her list-building program. Plus, we have news about a proposed rule that would require international visitors to submit their social media history to U.S. customs officials… and a Hot Minute about why this is a terrible idea. Insights from Sheila Scarborough Sheila had lots of real-world tips about how travel sellers can create email campaigns that nurture profitable relationships with their audience. Here's what she had to say about how to build a solid email list, even if you’re starting small: “You need to make it stupid easy and worth their while to subscribe to your newsletter. So for starters, the sign-up box needs to be on every page of your website. There needs to be a call to action at the bottom of every single blog post. “You’ll also have a landing page set up that is specifically on your website for email subscriptions. And that’s going to be the URL you are going to share out regularly on social. “Explain why it’s valuable. Explain the periodicity. Make it stupid easy to sign up because it’s everywhere they go on your website, at the bottom of every blog post.” Plus, she had great perspectives on: Why the “sales funnel” doesn’t work What kind of email content your audience really wants Which email metrics you should be tracking Resources Mentioned in This Episode Learn more about Tourism Currents at tourismcurrents.com. Read Sheila’s blog series on email marketing here. See an example of a social-to-email marketing post here. See our list of upcoming FAMs and sign up to attend at grouptravelleader.com/fams. Learn more about GroupCollect at groupcollect.com/gatherandgo. Key Moments From This Episode 1:18 — Travel News: CBP proposes rule to require social media history from visitors 6:26 — How Sheila Scarborough went from Navy vet to tourism marketing pro 11:40 — Why social media shouldn't be your only marketing channel 17:24 — How effective is email marketing in the 2020s? 21:51 — What should be in your marketing emails? 29:37 — Which email metrics matter most? 32:58 — How to build your email list 50:00 — Hot Minute: Will a required social media history backfire on American travelers? Watch the Full Interview See the full interview with Sheila on our YouTube channel. About the Podcast Gather and Go with Brian Jewell is a tourism industry podcast that helps group travel leaders plan, promote and lead better trips. There are also tips and insights for destination marketers and others who support the tourism trade. Each episode reaches thousands of professional tour operators, travel agents and the volunteer group leaders they serve. The audience also includes destination museum leaders, church travel leaders and other tourism enthusiasts around the world. Each show includes an interview with a smart travel pro or an insightful person from outside tourism who’s expertise can help make travel businesses better. You’ll also hear travel news, road tips and more. New episodes are released about twice monthly. You can find Gather and Go wherever your listen to podcasts or subscribe by email.

Here's your local news for Tuesday, December 16, 2025:We share the latest updates on Madison's Southwest and Southeast area plans,Consider the long road ahead for a lawsuit that claims Wisconsin's congressional maps are an anti-competitive gerrymander,Explain why American beef prices are in flux,Learn how to achieve that signature bagel chewiness,Mark the start of hibernation season,And much more.

A discussion on the difficulty of proving whether the NHI presence on Earth is extraterrestrial in nature. Also, thoughts are offered on whether the alien-like faces pointed out in the Rhode Island orb videos constitute NHI or pareidolia.Support Extraterrestrial Reality/Quirk Zone on Patreon:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.patreon.com/c/Extraterrestrial_Reality⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Check out my YouTube channel:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Quirk Zone - YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Extraterrestrial Reality Book Recommendations:Link to ROSWELL: THE ULTIMATE COLD CASE: CLOSED: https://amzn.to/3O2loSILink to COMMUNION by Whitley Strieber: https://amzn.to/3xuPGqiLink to THE THREAT by David M. Jacobs: https://amzn.to/3Lk52njLink to TOP SECRET/MAJIC by Stanton Friedman: https://amzn.to/3xvidfvLink to NEED TO KNOW by Timothy Good:  https://amzn.to/3BNftfTLink to UFOS AND THE NATIONAL SECURITY STATE, VOLUME 1:  https://amzn.to/3xxJvlvLink to UFOS AND THE NATIONAL SECURITY STATE, VOLUME 2: https://amzn.to/3UhdQ1lLink to THE ALLAGASH ABDUCTIONS: https://amzn.to/3qNkLSgUFO CRASH RETRIEVALS by Leonard Stringfield: https://amzn.to/3RGEZKsFLYING SAUCERS FROM OUTER SPACE by Major Donald Keyhoe: https://amzn.to/3S7WkxvCAPTURED: THE BETTY AND BARNEY HILL UFO EXPERIENCE by Stanton Friedman and Kathleen Marden: https://amzn.to/3tKNVXn#ufos #aliens #vegas aliens #ufo podcast

Sheil is joined by Seth Walder from ESPN to dive into the crucial data surrounding some of the biggest hot-button topics buzzing around the NFL. (00:00) Three numbers: The MVP race, the Parsons injury, and Seahawks-Rams(1:22) The MVP betting odds(9:14) Micah Parsons's pass rush win rate for the Packers(16:30) Rams vs. Seahawks playoff ramifications(26:42) The Hurry Up: The end of Patrick Mahomes's second phase Shopping. Streaming. Celebrating. It's on Prime. The Ringer is committed to responsible gaming. Please visit www.rg-help.com to learn more about the resources and helplines available. Host: Sheil KapadiaGuest: Seth WalderProducer: Chris SuttonSocial: Kiera Givens and Brian WatersProduction Supervision: Conor Nevins and Arjuna Ramgopowell Learn more about your ad choices. Visit podcastchoices.com/adchoices

Screechy Dan & Red Fox Explain “Pum Pum Shorts” | Hurricane Relief FundraiserSee omnystudio.com/listener for privacy information.

Every week brings a new AI benchmark. Higher scores. Bigger claims. Louder voices insisting this changes everything. And yet, when you put AI in front of a real business problem, none of that noise seems to help. In this episode, Rob and Justin dig into why AI benchmarks often feel strangely meaningless in practice and why that disconnect is the point. Benchmarks aren't useless. They're just answering a different question than the one most businesses are asking. This isn't just random conjecture either. Rob walks through what he's learned building actual AI workflows and why a twenty percent improvement on a leaderboard rarely translates into anything you can feel on the job. They talk about why model choice usually isn't the bottleneck, why swapping models should be easy if you've built things the right way, and why the most successful AI work rarely shows up as a flashy demo. Most of the value is happening quietly, off-screen, inside systems that look a lot more like normal software than artificial intelligence. Rob and Justin also talk about why explaining AI is often harder than building it. The first demo people see tends to stick, even when it's the wrong one. Consumer AI feels magical. Business AI face plants unless it's built with intent, structure, and real context. This episode gives leaders better language for that gap, without hype or panic. If you're done chasing benchmarks and just want a way to think about AI that survives contact with reality, this episode's for you.

Struggling with meiosis, gametogenesis, and all the weird details the MCAT loves to test?

In this episode of the Money Matters Podcast, Wes Moss and Connor Miller offer an educational discussion on current financial market headlines, retirement planning considerations, and developments in artificial intelligence. • Review publicly reported details of Disney's collaboration with OpenAI and discuss how large media organizations are evaluating AI-enabled content tools. • Examine Time Magazine's recognition of the collective “Architects of AI” as 2025's Persons of the Year and what that designation reflects about technology's growing prominence. Then, reflect on past Time Person of the Year selections to provide cultural and economic context across different market eras. • Discuss widely cited data on the increase in millionaire 401(k) accounts and explain how market conditions and contribution patterns can sometimes influence account balances. • Summarize the Federal Reserve's recent monetary policy decision, often described as a “hawkish cut,” including how commentators interpret interest-rate signaling. • Compare the recent performance of the Magnificent Seven stocks with the broader S&P 500 to illustrate changes in market concentration over time. • Highlight market data showing broader participation in equity returns, with a greater share of S&P 500 companies posting positive performance. • Revisit common asset allocation discussions involving balanced portfolios, including equities and fixed income, in long-term planning contexts. • Explain how short-term and long-term interest rates can respond differently to policy changes and why those distinctions are often referenced in borrowing discussions. • Review current U.S. labor market indicators—such as jobless claims, labor force participation, and wage growth—based on widely followed economic releases. • Outline health insurance marketplace open-enrollment timelines and general considerations individuals often review when evaluating coverage options. • Discuss survey-based research identifying an association between having a written retirement plan and reported retirement satisfaction, without implying causation. • Consider how economists and analysts describe AI's potential role in productivity and economic growth, acknowledging uncertainty and variability. • Preview commonly discussed themes for 2026, including historical patterns around election cycles, market volatility, and consumer spending behavior. Listen and subscribe to the Money Matters Podcast for ongoing discussions that help frame financial topics within a broader, long-term perspective.

Support the show: http://www.newcountry963.com/hawkeyeinthemorningSee omnystudio.com/listener for privacy information.

Edward Blair only wanted a quick, quirky feature story from a secluded Japanese shrine—but what he found was a girl who defied explanation, a priest with powers beyond science, and a warning about the dangerous cost of controlling the universe.“The Shrine” by Walt Sheldon – originally published in Fantastic Universe, December 1956MORE Stories Like This: https://www.auditoryanthology.comFully Produced Version: https://www.auditoryanthology.com/2025/04/17/the-shrine-by-walt-sheldon/Originally aired: December 15, 2025EPISODE PAGE (includes sources): https://weirddarkness.com/TheShrineABOUT WEIRD DARKNESS: Weird Darkness is a true crime and paranormal podcast narrated by professional award-winning voice actor, Darren Marlar. Seven days per week, Weird Darkness focuses on all thing strange and macabre such as haunted locations, unsolved mysteries, true ghost stories, supernatural manifestations, urban legends, unsolved or cold case murders, conspiracy theories, and more. On Thursdays, this scary stories podcast features horror fiction along with the occasional creepypasta. Weird Darkness has been named one of the “Best 20 Storytellers in Podcasting” by Podcast Business Journal. Listeners have described the show as a cross between “Coast to Coast” with Art Bell, “The Twilight Zone” with Rod Serling, “Unsolved Mysteries” with Robert Stack, and “In Search Of” with Leonard Nimoy.DISCLAIMER: Ads heard during the podcast that are not in my voice are placed by third party agencies outside of my control and should not imply an endorsement by Weird Darkness or myself. *** Stories and content in Weird Darkness can be disturbing for some listeners and intended for mature audiences only. Parental discretion is strongly advised.#WeirdDarkness #VintageScienceFiction #JapaneseMysticism #ClassicHorror #ScaryStories #Psychokinesis #MysteriousShrine #ParanormalPowers #WeirdFiction #DarkFiction

Shanda didn't believe her boyfriend's little mid-century Austin house held anything darker than outdated wiring or a few creaky floors. Built in the 1950s, remodeled to death, colorful, quirky—nothing about it screamed haunted. And yet the moment she stepped inside, she felt something beneath the bright paint and modern upgrades. Not evil. Not angry. But aware. Then she saw her. A tall, thin woman in a pale pink gown, standing perfectly still in the living room, watching from the shadows as if she belonged there. By the time her boyfriend turned around, the apparition was gone—but the house wasn't finished with her. Objects moved on their own. Items vanished only to reappear across the room in impossible places. Footsteps whispered through the walls at night. A man's voice. A boy's voice. Arguing. Always arguing. Years later, she still wonders what truly lived in that house—because some hauntings warn you. Others protect you. And some blur the line between both. #ghoststory #paranormal #hauntedhouse #truespiritstory #realghoststories #ghostencounter #shadowfigure #haunting #supernatural #ghosts #theunexplained Love real ghost stories? Don't just listen—join us on YouTube and be part of the largest community of real paranormal encounters anywhere. Subscribe now and never miss a chilling new story:

400-year-old globes that clearly show Tartaria, a disconnected Baja California, a Stonehenge-like structure in the middle of America, 200 foot lower sea level coast lines and galactic Birkeland currents. Proof we've been lied to about history and a coming solar-driven reset for our world. ✨

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The holidays can feel overwhelming—shopping, decorating, cooking, and trying to create picture-perfect moments. Yet Scripture reminds us that amid the chaos, the true gift of Christmas is Christ Himself. Just as Mary gave birth in a humble stable without the comforts she expected, we too are called to make room for Jesus in the midst of our busy, stressful seasons (Luke 2:7). By simplifying, prioritizing, and focusing on His presence, we discover that the peace and joy of Christmas don’t come from perfection—they come from Him. Highlights Holiday stress often overshadows the true purpose of Christmas: celebrating Jesus’ birth. Mary’s humble circumstances remind us that God’s plans don’t rely on comfort or convenience. Simplifying holiday tasks—limiting gifts, delegating meals, reducing activities—can create space for Christ. Focusing on Jesus transforms ordinary moments into meaningful celebrations. Gratitude for God’s provision, even amid financial or personal challenges, brings peace. Small adjustments in expectations allow families to experience joy without unnecessary stress. Making intentional space for Christ is the ultimate gift we can give ourselves and others. Gift Inspiration: Crosswalk's Holiday Gift Guide Looking for a meaningful way to celebrate the season? Check out our Holiday Gift Guide—from beautifully illustrated Bibles and devotionals to novels, greeting cards, and picture books, there’s something for everyone on your list. Wrap up stories for loved ones, tuck a book into your own nightstand, and join us in celebrating the wonder of giving this Christmas! Full Transcript Below: Preparing Him Room: Making Space for Christ This ChristmasBy: Michelle Lazurek Bible Reading:“…and she gave birth to her firstborn, a son. She wrapped him in cloths and placed him in a manger, because there was no guest room available for them.” - Luke 2:7 It was all too much to bear. When my kids were little, they talked about what they wanted for Christmas for months. They made their list for Santa, wrote him letters, and even dropped it in the mailbox. As a mother, I would do anything to give them the perfect Christmas. I made sure they got everything they asked for, even if it meant starting early and taking money out of our paycheck each week to save for Christmas presents. But one year, my husband was planting a church, and finances were just too tight. I did my best to get the kids the presents that they wanted. But with all the wrapping, shopping, and a full-time job, while my husband was church planting, it added more stress to my life than I cared to admit. Although it was a magical moment to watch my kids open gifts on Christmas morning, the stress and irritation of all the preparation beforehand made it feel as if it simply wasn't worth it. I was putting all this stress on myself to write Christmas cards, decorate the house, and care for my children, in addition to working at a daycare where I cared for two- and three-year-olds all day long, only to come home to my own set of two- and three-year-olds. This would be enough to make anyone feel the extra weight of stress. Compelled by the idea of giving my kids the perfect Christmas, I stressed myself out, worrying about finances and spending all my extra time wrapping presents and writing cards. When Christmas Day came, I had created a holiday that would have made even Norman Rockwell jealous. But it was missing one thing: Jesus. Although my family and I attended Christmas Eve services, my kids lit candles, sang songs, and watched Christmas specials, it felt as if Jesus was missing from the holiday. Because it was so focused on the moment of opening gifts and getting my family what they wanted for Christmas, it felt as if I had wasted all my time and energy creating a magical moment that would only last a moment. Because of all the stress, I had laid aside my quiet time with the Lord, neglected to pray, and hadn't picked up my Bible in months. For a holiday that should be focused on the actual reason for this season, I had forgotten to make space for Christ. Maybe you can relate to the story above. All the Christmas wrapping, giving, and writing Christmas cards may seem too much to bear during the holiday season for you as well. Maybe buying gifts, long lines at the store, mounting traffic, and increasingly mean people seem like too much stress for you to bear, too. But it doesn't have to be this way. Mary experienced a similar situation. As she made the long travel, heavy in the throes of labor, I imagine she expected a comfortable room with which to give birth. But when she found out that there was no room at the inn, her expectations quickly shattered. But Mary didn't give in to the stress or leave God out of her situation. Instead, she made the best of what she had. She traveled to a nearby stable and, in less-than-ideal conditions, gave birth to our Savior, who, in turn, has given generations eternal life. Although Mary's situation was less than ideal, she still completed her ultimate purpose. The Christmas story can give us hope that, despite what we might be going through —financial struggles, health crises, loss of loved ones, etc.—we can find hope. While our situation for the holidays seems less than spectacular, we can make do with what God has given us. There's no better time than the Christmas season to give thanks for all that God has done. Minimize Christmas shopping this year. Opt to give gift cards rather than wrapping a bunch of presents. Limit the number of gifts you give to each person. Explain to them that finances are too tight this year, and the stress is just too much. Your stressful situation can quickly become less so with a bit of understanding and compassion from your family members. Ask family members to pitch in this year by giving food for the holiday meal, or skip hosting the traditional holiday meal and go out for dinner instead. Whatever you need to do to make the best of your holiday situation, take Mary's example and don't forget the ultimate purpose of why we celebrate Christmas. Father, let us be people who make space for you during the holiday season. Let us not crowd you out with copious amounts of gifts, wrapping, and decorating. Instead, let us remember the ultimate gift you have given us and live our lives knowing that we have already received the best gift of all. Amen. Intersecting Faith & Life: Is Christmas too stressful for you this year? What is one step you can take to reduce the stress and make your Christmas situation a little more bearable? Further Reading:Luke 1:41-44 Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.

Visa Failures and the Refusal to Plan a NEO: Colleagues Jerry Dunleavy and James Hasson explain that the refusal to address Special Immigrant Visa bottlenecks or declare a Non-combatant Evacuation Operation early forced a chaotic evacuation surrounded by the Taliban, noting that despite military warnings, the State Department halted visa processing for health protocols, ignoring the imminent collapse of the Afghan government. 1910 KABUL-DARUM TRAMWAY

The Haqqani Security Partner and the Ignored Sniper Warning: Colleagues Jerry Dunleavy and James Hasson explain that the US relied on the Haqqani network—suicide bombing experts with ties to Al-Qaeda—for security, revealing that a sniper team identified the likely ISIS-K bomber based on specific intelligence but was denied engagement authority by leadership, leading to the deadly attack hours later. 1842 RETREST FROM KABUL

The Haqqani Security Partner and the Ignored Sniper Warning: Colleagues Jerry Dunleavy and James Hasson explain that the US relied on the Haqqani network—suicide bombing experts with ties to Al-Qaeda—for security, revealing that a sniper team identified the likely ISIS-K bomber based on specific intelligence but was denied engagement authority by leadership, leading to the deadly attack hours later. 1950 KABUL

Kim Ressler searched for answers to her chronic issues for years. Finally, a friend turned her on to the world of nutrigenomics. What if there was a way to genetically determine what kind of supplements would address your methylation pathways, your mental health and your ability to focus? During this year's Changing Life and Destiny conference in Dallas, Dr. Motley had a chance to sit down with Kim and learn how this works. Key Takeaways: Nutrigenomics bridges the gap between genetics and nutrition, allowing for personalized health strategies. Actionable genes can significantly influence our health and well-being, making genetic testing a vital tool. Customized supplements based on genetic insights can simplify health management and improve outcomes. Understanding our genetic makeup empowers us to make informed decisions about our health. There's even genetic information to find out how well you deal with hangovers as you get older.  Want more of the Ancient Health Podcast? Check out Doctor Motley's YouTube channel! ------  Follow Doctor Motley  Instagram TikTok Facebook Website Follow SNiP Nutrigenomics  https://www.instagram.com/snipnutrition/ https://snipnutrition.com/ https://www.youtube.com/@snipnutrition ------  * Do you have a ton more in-depth questions for Doctor Motley? Are you a health coach looking for more valuable resources and wisdom? Join his membership for modules full of his expertise and clinical wisdom on so many health issues, plus bring all your questions to his weekly lives! Explore it free for 15 days at https://www.doctormotley.com/15 *Most of us are mineral deficient and we don't even know it! Want to get your minerals in? BEAM Minerals is a simple shot of minerals each morning. Tastes like water, absorbs fast, and gives your body the full spectrum of minerals it needs. It's one of the easiest, most effective ways to support overall vitality. Try BEAM Minerals at beamminerals.com/DRMOTLEY and use code DRMOTLEY for 20% off your first order.