Podcasts about fluctuations

Feeling on edge about your investments during these unpredictable market waves?  Matt Griffith and Sean Clark are breaking down the essentials of investment behavior amidst the whirlwind of market volatility, referencing specific examples from the years we've seen wild swings.  They focus on the art of portfolio construction and maintaining discipline even when the market … Read More Read More

11:05A – 11:22A (17mins) Vic and Ken highlight audio from The Sunday shows including a couple from Treasury Secretary Scott Bessent talking about The Stock Market and how the media is reacting.Stock Market Fluctuation Is A Normal Function Unless You’re President Trump-Then It’s Chaos 11:41 – 11:56 (15mins) Feature: "CHAT BOX!!"See omnystudio.com/listener for privacy information.

11:05A – 11:22A (17mins) Vic and Ken highlight audio from The Sunday shows including a couple from Treasury Secretary Scott Bessent talking about The Stock Market and how the media is reacting.Stock Market Fluctuation Is A Normal Function Unless You’re President Trump-Then It’s Chaos 11:41 – 11:56 (15mins) Feature: "CHAT BOX!!"See omnystudio.com/listener for privacy information.

In this conversation, Josh Young discusses the challenges and successes in the commercial construction industry, focusing on business growth, leadership, and the impact of private equity. He explores the importance of pushing team members to exceed their limits, learning from mistakes, and the complexities of navigating the commercial landscape. The discussion covers strategizing for scaling businesses, restructuring profitability for sustainability, and maximizing productivity through effective time management. The conversation also delves into the role of technology and AI in business operations, the future of autonomous vehicles, and the need for education and apprenticeship programs in trades to bridge the talent gap.   Don't forget to register for Tommy's event, Freedom 2025! This is the event where Tommy's billion-dollar network will break down exactly how to accelerate your business and dominate your market in 2025. For more details visit freedomevent.com   Show Notes: 00:00 Transforming Challenges into Opportunities 02:06 Navigating Business Growth and Fluctuations 06:00 Understanding the Commercial Landscape 09:51 Learning from Mistakes and Leadership 14:10 The Role of Private Equity in Business Growth 17:58 Building a Legacy and Future Goals 21:55 The Importance of Leadership and Team Dynamics 27:43 The Power of Storytelling in Sales 30:04 Building Trust and Relationships with Clients 32:54 The Importance of Networking and Learning 36:12 Scaling and Growth Strategies in Business 39:03 Profitability and Business Sustainability 41:52 Maximizing Time and Productivity 44:47 Embracing Technology and AI in Business 48:00 The Future of Autonomous Vehicles and Its Impact 50:04 Education and Apprenticeship in Trades  

In today's episode, Kip explores recent market trends and movements, sharing his perspective as a seasoned trend follower. He covers significant events such as the recent sell-off, reactions to market shifts, and the implications of a potential "death cross" in the S&P 500. Kip also elaborates on the importance of trend-following, the potential for market capitulation, and the ongoing debates surrounding economic policies and trade barriers. Tune into today's podcast to learn more. 

Port Adelaide asserted dominance over the Hawks to continue their topsy-turvy season. WA would like their own showcase event, could it be the State of Origin in 2026? And what does Roosy see in Rory McIlroy's Masters win that could inspire AFL teams this week?

Ce samedi 12 avril, les PME devrait faire face à de nouvelles mesures envers leurs réductions d'impôts. Le gouvernement veut mettre en place une nouvelle réforme pour les encadrer. Les éditeurs et auteurs s'indignent face aux images générées par ChatGPT qui imitent des créations originales. Amid Faljaoui vient donner son analyse sur les accusations de délit d'initié envers Donald Trump. Du côté des bourses, Nicolas Deltour vient analyser les cours du marché actuel et les stratégies à suivre pour les primo investisseur.

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Have you ever been really dedicated to your weight loss for a week or two and then frustrated to see that not only did the scale NOT move down but actually moved UP?! This happens. It can feel frustrating and disappointing. That dissapointment and frustration over the number on the scale often then leads to SO MUCH of the giving up and sabotaging that keeps women stuck without weight loss results. Can you relate?! LISTEN to this episode to learn about how to manage this so that you don't end up sabotaging your progress. Xoxo Brenda

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Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we discuss the latest chatter we are hearing around the industry. Plus, Robbie sits down with TRUE's Steve Butler to talk about how instant loan intelligence is revolutionizing borrower engagement. And we go through how manufacturing indices are driving market sentiment.Thank you to this week's podcast sponsor, ICE. The mortgage landscape has never been more competitive. Stand out in a crowded market with configurable technology, extensive data and comprehensive analytics that span the entire loan life cycle. ICE offers an interconnected digital mortgage ecosystem to help clients improve productivity, reduce costs and deliver a meaningful customer experience.

This episode is brought to you with the help of NORDVPN. To get your special Space Nuts discount and help support the show, visit www.nordvpn.com/spacenutsSpace Nuts Episode 505: Black Holes, TRAPPIST Planets, and Cosmic FluctuationsIn this engaging Q&A edition of Space Nuts, host Andrew Dunkley and astronomer Professor Fred Watson tackle a variety of listener questions that delve deep into the mysteries of the universe. From the nature of black holes and their gravitational effects to the intriguing dynamics of the TRAPPIST system, this episode is packed with thought-provoking discussions and cosmic insights that will keep you captivated.Episode Highlights:- Black Hole Mysteries: Andrew and Fred explore whether objects entering a black hole, such as electrons or grains of sand, can be accelerated beyond the speed of light. They clarify the laws of physics that remain intact even within the event horizon and the implications of mass changes.- TRAPPIST System Insights: The duo discusses the absence of gas giants in the TRAPPIST system and the possible reasons behind this phenomenon, including the formation processes and the potential for undiscovered planets.- Star Collisions: Lloyd from Cairns asks whether everyday stars like our sun ever collide, leading to a discussion about the rarity of such events compared to black hole and neutron star collisions, especially during galaxy mergers.- Early Universe Fluctuations: Mark from Louisiana poses a thoughtful question about the energy density fluctuations observed in the WMAP image of the early universe, prompting a conversation about quantum fluctuations and their role in cosmic structure formation.For more Space Nuts, including our continually updating newsfeed and to listen to all our episodes, visit our website. Follow us on social media at SpaceNutsPod on Facebook, X, YouTube Music Music, Tumblr, Instagram, and TikTok. We love engaging with our community, so be sure to drop us a message or comment on your favorite platform.If you'd like to help support Space Nuts and join our growing family of insiders for commercial-free episodes and more, visit spacenutspodcast.com/aboutStay curious, keep looking up, and join us next time for more stellar insights and cosmic wonders. Until then, clear skies and happy stargazing.(00:00) This is a Q and A edition where we answer audience questions(01:02) Doug Stone: I had a question about Earthrise from last year(05:14) Question comes from somebody who didn't tell us their name(06:32) Picking the voice is picking it. Yes. It's picking it(06:46) Could anything entering a black hole be accelerated beyond the speed of light(09:05) Some solar systems do not contain gas or ice giants, says Dave(12:40) Is there any limit to how many planets a solar system can form(15:46) Do everyday stars like our sun ever collide and what do they create(20:30) Mark Rabelais has a question about fluctuations in the early universe(27:08) New research suggests distant galaxies have a preferred direction of rotation(28:47) Andrew Dunkley: Thank you to everybody who sent, uh, in questionsBecome a supporter of this podcast: https://www.spreaker.com/podcast/space-nuts-exploring-the-cosmos--2631155/support.

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The primary focus of today's discourse centers on the intricate dynamics of the housing market and its consequential impact on the furniture industry. A notable decline of 2.9% in home construction activity for February, coupled with a staggering 6.8% drop in building permits, signifies a troubling trend for sectors reliant on housing growth, particularly furniture sales. Nevertheless, an encouraging uptick in housing starts by 11.2% from January to February suggests a potential resurgence in construction activities, which may subsequently bolster demand for home furnishings. Furthermore, the imposition of increased tariffs on Canadian softwood lumber, nearing a cumulative rate of 40%, presents both challenges and opportunities; while elevated material costs could hinder construction and, by extension, furniture sales, they may also incentivize a shift toward more budget-friendly options as consumers adapt to rising home prices. As we delve deeper into these developments, we shall explore the broader implications of these trends on domestic manufacturing and consumer behavior within the furniture sector.Takeaways: The recent decline in home construction activity underscores the precarious relationship between housing trends and furniture sales. Despite challenges, an 11.2% increase in housing starts from January to February suggests potential recovery in construction activity. Rising tariffs on Canadian softwood lumber may significantly influence home building costs and consequently affect furniture demand. As companies reconsider manufacturing locations due to tariffs, a shift towards increased domestic production in the furniture industry appears plausible. Klausner's investment in a new factory in North Carolina signifies a potential trend towards reshoring production in the furniture sector. Consumer preferences are evolving rapidly, compelling businesses to innovate continually in order to remain competitive within the market.

You might already have missed the market bounce-back.That's the warning from Richard Taylor and James Boyle in this From The Trenches episode of We're the Brits in America, where they break down the latest market movements and what they mean for investors and, in particular, expats. With a mix of market updates and personal insights, they explore why staying invested during turbulent times is crucial, how tax loss harvesting can boost returns, and why diversification is key for long-term success. Plus, you'll get practical strategies to navigate financial uncertainty. As we always say on the show, keep calm, stick to your plan, and ride out the uncertain times. Beyond the numbers, Rich and James dip into the pick-n-mix, with book recommendations like Die with Zero by Bill Perkins and 4000 Weeks by Oliver Burkeman, which encourage you to rethink wealth and time. If you're an expat or immigrant looking to make smarter financial moves in the US, this one's a must-listen.We're the Brits in America is affiliated with Plan First Wealth LLC, an SEC registered investment advisor. The views and opinions expressed in this program are those of the speakers and do not necessarily reflect the views or positions of Plan First Wealth. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Plan First Wealth does not provide any tax and/or legal advice and strongly recommends that listeners seek their own advice in these areas.

They say you shouldn't sweat the small stuff, but that doesn't mean you can ignore the big stuff, either. When it comes to finances, and especially investing, it's important to get the big moves right. Mark Biller joins us today to go over the things that need special attention.Mark Biller is Executive Editor and Senior Portfolio Manager at Sound Mind Investing, an underwriter of Faith & Finance. Today, we'll cover some key takeaways from Sound Mind Investing's recent article, Getting the Big Moves Right, which explores seven critical investment decisions that can make or break your financial future.1. Have a Clear Investing PlanAs the old saying goes from the Cheshire Cat from Alice in Wonderland, "If you don't know where you're going, it doesn't matter which way you go." A successful investment strategy starts with a plan—one that outlines:Your target retirement dateThe amount you hope to have saved by that dateThe steps needed to achieve that goalWithout an investment plan, it's easy to drift or make hasty decisions based on emotions or short-term market fluctuations.2. Commit to Investing ConsistentlyOne of the most significant factors in successful investing is how much you invest each month. While everyone's situation differs, investing 10–15% of your monthly income during your working years is a general rule of thumb.Your age, retirement timeline, and savings goals will influence this percentage, but the key is to make investing a consistent habit—not something you do only when you have extra cash.3. Get Your Asset Allocation RightThere's no such thing as a “perfect portfolio” that always wins in the market. Instead of chasing returns, focus on the right mix of investments for your:Time horizon (how long you have until retirement)Risk tolerance (your ability to withstand market fluctuations)At SMI (Sound Mind Investing), their members start with a risk tolerance quiz to determine the best balance between stocks and bonds. A well-diversified portfolio ensures that when one part of the market struggles, another part can provide stability.4. Choose Investments WiselyMany investors fall into the trap of buying stocks or funds based on hype or following the latest market trend. Instead, focus on:Process-driven investment strategies that guide decisions based on long-term goalsDiversification across asset classes to minimize riskAvoiding emotional investing based on fear or excitementRather than constantly adjusting your portfolio based on short-term news, stick to a disciplined investment approach that aligns with your financial plan.5. Measure Success with the Right BenchmarkToo many investors compare their portfolios to popular stock indexes like the S&P 500, but this can be misleading.If your portfolio contains more than just large U.S. stocks, using the S&P 500 as your benchmark may lead to unrealistic expectations. Instead, measure success based on:Your personal financial goalsThe average return needed to achieve those goalsIn other words, success isn't about “beating the market”—it's about making steady progress toward your investment objectives.6. Limit How Often You Check Your InvestmentsOne of the biggest emotional traps investors fall into is checking their portfolios too frequently.Daily monitoring can lead to panic-driven decisionsOvertrading increases costs and reduces long-term gainsMarket fluctuations are expected, and checking too often can create unnecessary stressAt SMI (Sound Mind Investing), they recommend checking investments monthly—or even quarterly—to maintain a long-term perspective.7. Stay Committed for the Long HaulMany investors struggle with "grass-is-greener" syndrome, constantly switching:Investment strategiesFinancial advisorsIndividual stocks and fundsWhile there are appropriate times to make changes, they happen far less frequently than most investors think. Choose your investment strategy carefully, then stick with it—even when market conditions fluctuate.What to Let Go of for Investment SuccessOnce you've nailed the big investment moves, free yourself from these distractions:Daily Market News—Most headlines are designed to create fear or hype, not provide useful long-term advice. The “What-If” Game—Don't waste time thinking about missed opportunities—focus on future decisions. Portfolio Micro-Management—Diversification means some investments will perform better than others at different times. Stay patient and trust your strategy.Investing isn't about perfection—it's about faithfulness and consistency. Here's how to ensure long-term success:Create an investment planStick to your strategyCommit to steady investingMonitor progress with the right benchmarksLimit emotional reactions to market noiseThe key to financial freedom isn't found in chasing quick gains—it's in making faithful, long-term decisions that align with wise stewardship principles. Above all, trust God as your ultimate provider. Investing is a tool for wise financial stewardship, but our true security is in Him—not in our portfolio's performance.To dive deeper into today's discussion, check out the full article Getting the Big Moves Right at SoundMindInvesting.org. Want personalized guidance? SMI (Sound Mind Investing) offers tools like the risk tolerance quiz and MoneyGuidePro to help investors stay on track.On Today's Program, Rob Answers Listener Questions:I have a $410,000 universal life insurance policy that I opened in 2020. I now have $30,000 in cash value built up. My children are grown and independent. What would be the best way for me to move that $30,000 somewhere else?My dad is starting to retire and has equity in his home. Would it be a good idea for him to take out a reverse mortgage to pay off his significant credit card debt so he can live comfortably in retirement? He still has a mortgage on the home.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineGetting the Big Moves Right (Sound Mind Investing Article)Sound Mind Investing (SMI)Movement MortgageWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

In this episode of the Turf Nutrition and Management podcast, Kevin Salters and Douglas Gray discuss the seasonal changes affecting turf management, the challenges of customer renewals, and the impact of economic concerns on pricing strategies. They delve into product costs, market fluctuations, and the importance of application techniques. The conversation also touches on customer expectations, service quality, and predictions for the upcoming season's weather, emphasizing the need for professionals in the industry to adapt and maintain their pricing integrity.turfnutritionmanagementpodcast@gmail.com@turf_nutrition_mangmt_podcastDoug Gray@turfpoltscadgrayghost69@gmail.comKevin Salters@rootdevelopmentllcFacebook Root Development LLCrootdevelopmentllc@gmail.comCreative Content By Jessica@creativecontentbyjessicacreativecontentbyjessicaanne@gmail.comSheila Chaplin, CFP®Reliable Tax & Business Services-screliabletax@gmail.comThe Landscaping Bookkeeper www.gulfcoastbk.com@thelandscapingbookkeeperLMNT Hydration from sciencedrinklmnt.com

Here is another recording of my article. Enjoy! They've been such a hit that I decided to read to you again.If you want to drop me a line, share your thoughts, or connect over Zoom, here is my email bogumil AT talkingbillions.co (not com). I read and answer all my emails; just give me a day or two! Thank you! BogumilFind the text of the article on my Substack: https://bogumilbaranowski.substack.com/p/the-psychology-of-portfolio-fluctuationsI mention Byron Tully in the episode, and I recommend his appearances on Talking Billions. He talks about Old Money Habits.Disclosure:Blue Infinitas Capital, LLC is a registered investment adviser. The information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

Ever wonder what other people talk about with their financial advisors? Well, we're going to discuss that this week here on the podcast, from a new survey of nearly 400 experienced advisors and what they see in their offices, and we're going to share that with Tony and see how that relates to and what he thinks about it, compared to his practice.   Important Links: Website: http://www.yourplanningpros.com Call: 844-707-7381   ----more---- Transcript:    Speaker 1: Ever wonder what other people talk about with their financial advisors? Well, we're going to discuss that this week here on the podcast, from a new survey of nearly 400 experienced advisors and what they see in their offices, and we're going to share that with Tony and see how that relates to and what he thinks about it, compared to his practice. Let's get into it here on Plan With The Tax Man. Hey, everybody, welcome into the podcast. Thanks for hanging out with Tony Mauro and myself, as we talk investing, finance, and retirement, and we're going to break down this new survey. Well, it's not new. It actually came out December of '24, Tony, but we're going to run through this from Financial Advisor Magazine. So they did this interesting survey, so I'm going to get your thoughts on this, and we'll break down some data and see what you think. How you doing, bud?   Tony Mauro: I've been doing good.   Speaker 1: Yeah?   Tony Mauro: Spring is here   Speaker 1: Yeah, baby,   Tony Mauro: As we're recording this, it's staying light a little longer. It's kind of nice.   Speaker 1: Yeah. I know, right? So, everybody's just constantly with the time change thing, "Keep it. Don't keep it. Keep it. Don't keep it." All I know is seven o'clock, it's still light outside, and I'm happy.   Tony Mauro: That's right. I like it. Yeah.   Speaker 1: And you and I were just chatting at the time we're taping this podcast. In my neck of the woods, it is quite warm today, so I am totally digging it, so hope everybody has a good day and a good week. And don't forget to subscribe to us on whatever podcasting app you like using, by the way. Apple or Spotify or whatever, you can just simply type in Plan With the Tax Man in the app, or of course you can find the information at yourplanningpros.com. All right, Tony. Are you familiar with Financial Advisor Magazine?   Tony Mauro: I read it regularly, so yeah, I'm familiar.   Speaker 1: Okay. Well, they've got this new survey in there, like I was saying earlier in the tease there. 400 experienced advisors revealed biggest concerns, challenges, things of that nature from their clients, and everybody had an average of 20 plus years in business, so these are folks that have been around for a little while, so they've seen some ups and downs, so I'm going to give you some data here. Let's just talk through it a little bit. So seeking out a financial professional. Advisors in the survey said about 52% of their clients are looking for financial advice when it comes to retirement strategies. The other 34%, I know that's not totally 100, but 34% said they were just looking for someone to build wealth with. So, does those numbers strike you as interesting at all?   Tony Mauro: For us, I'd say our numbers are a little more skewed towards most of our clients are coming to us for retirement planning. Whether they're in the accumulation stage, that would be the accumulation stage, but I mean, the distribution stage, obviously, they're already there, but most of our clients, I mean, 34% sounds high for just-   Speaker 1: For just for wealth, yeah.   Tony Mauro: ... Building wealth. We're just asking them, "Well, okay. If you want to build wealth, and the next question is for what?" Then, of course they always say retirement, so maybe I'm just beating that a little wrong.   Speaker 1: Right, right. Well, now, to be fair, this is a wide range of ages, so it's not just retirees only that answered these questions, so it could be some younger folks too, right? So, that would make sense if you're in your thirties or forties, and you're just looking for wealth building, but I think if you find yourself in a position where, even if you're in your forties or even in your early fifties, if you're not starting to feel the need to discuss other things than just the wealth building, are you maybe working with the right person, right?   Tony Mauro: That's correct, because as you get, especially in the forties and, of course, in the fifties, there's other questions about the end game, which is retirement, but there's many, many other things that we tend to ask them and they started thinking about some of these stuff, anything from taking social security, to healthcare costs, to long-term care costs, where they want to be and how do they feel about it? There is ways to protect yourself and do things, and then as long as we give them that information and we feel like we help them understand for some of these upcoming big decisions they've got to make.   Speaker 1: Yeah, like RMDs, right? I mean, they'll be coming down the pike. What are you going to do with them? What does it do to your taxable situation? All those little things that we talk about often here on the program, so interesting that, again, 52%, about half the people surveyed, were looking for someone with help for retirement planning, which is good. I think maybe those numbers should be a little bit higher, but again, depends on the age of the person answering. Now, we often hear about people are woefully under-prepared for their future life, their elderly selves, but in the survey, over half of the advisors said the average client they see has around $760,000 saved for retirement, so three quarters of a million bucks, that's not chump change, so that's kind of encouraging to hear that there's over half the people that come in to see financial pros like yourself, Tony, are in pretty good shape.   Tony Mauro: Yeah, they are. I mean, for us, I would say our assets average is probably around that, but I would say it's a little bit skewed on the top end, because some of our clients end up having a lot more than that. Normally though, if you take the bulk of our clients, have assets well below that. Mostly what we're seeing, again, we're here in Iowa, but anywhere from $100,000 to $400,000, $500,000 is what they have saved at the time we end up talking about it, but we are generating a lot of interest from young people that really don't have much, and they're just starting out in that wealth building stage, and we don't turn them away. We don't have minimums that we require for assets. We just try to set the expectations of, your planning is going to be a little different than somebody that might come, that has more, one, because of the complexity, and two, because of just that you don't need that much hands-on advice.   Speaker 1: And every demographic. I mean, there's different cities, different demographics, but I think just in general it's good to see that on average, again, people are a little bit better, in pretty good shape, and I think that's what winds up happening often, Tony, when people do come in to see financial pros like yourself, most of them come in, going, "I don't know if I have enough," or "I don't know if I can retire." Then, when the numbers are ran, more times than not, and I talk to advisors all across the country, hundreds of them, and they all say the same thing. More times than not, people are in better shape than they realize.   Tony Mauro: I think so. Depending on their situation, we find that too, when we start running the numbers is, depending on what your goals are, as long as they're not outlandish-   Speaker 1: Right, right.   Tony Mauro: ... You're better off than you think, especially when you put the numbers to it and explain it to them, because generally, nobody does. If they want to do more, then that's when the planning comes in.   Speaker 1: And a lot of people, I do think they feel like, "Well, I got to get to the million." We've talked about that millions of times, as it is, but depending on what your situation is, as a couple, maybe somebody's got a pension, maybe you've got a good numbers in social security, maybe a million doesn't need to happen. Maybe $700,000 does get it done or $500,000 or whatever, but on average, I think it's still pretty good encouraging to see that people's asset totals are a little bit better than I would've thought, so that's nice to see. Top concerns, check this out. Surveyed advisors say their top concern, no surprise here, Tony, 38% outliving their assets. That's always the top dog, right?   Tony Mauro: For us, yeah. Well, actually, for us, it's the second one here, the reliable income streams.   Speaker 1: Oh, really?   Tony Mauro: Yeah. Just for us. Then, it's outliving the assets, but those two are the top two by far.   Speaker 1: Well, it was 38% for outliving their assets. 31%, right? So, pretty close for the reliable income streams. I mean, they kind of go hand in hand, right?   Tony Mauro: They do, because whether you're young or in your forties or fifties, that's the most important thing, because it's the end game of, do you want to spend every cent of your retirement income? And if so, that's a crapshoot a little bit because, depending on what you do, you could outlive them, and then you could end up with not a whole lot, but most of our retirees want to make sure that their assets, they've worked so hard to accumulate, that they can get a reasonable income stream from them, and then it goes hand in hand with so they don't outlive their assets, because they want to live off the income mostly.   Speaker 1: Well, think about, we were just talking about the number, the pot of money, the $760,000 or the million or whatever you put your number at, and the big bucket pot is not as important as the income streams, right?   Tony Mauro: That's correct.   Speaker 1: So again, $500,000 might get it done if the income streams are there that you need, so if you're both got a pension, maybe both got good social security or something like that, then you probably don't need as much, again, back to that point.   Tony Mauro: Back to that point of it all working it together, which comes back to the financial plan and knowing what those numbers are. My wife just got her, here in Iowa they have IPERS, so guess it's the government funded pension, which she's been in for a long time. I went and ran my own numbers again the other day, just about, here's the number that she's going to have that's going to come in when she's X age, and then what I wanted to know was, "Well, I want the number that we both can't outlive," and then I factored that in with social security and what else we have and say, "Okay." I mean, it was just a quick math, because I do it all the time. We're still in good shape.   Speaker 1: Nice, nice.   Tony Mauro: We're going to hit our goals.   Speaker 1: Nice.   Tony Mauro: So, that's what the planning is all about, but most people don't have even that starting point, because they've never taken the time to figure it out, and I think that's where the planner can help out a lot.   Speaker 1: Yeah, I would agree. Yeah, definitely. Now, the next one on here, Tony, pretty interesting. Again, keep in mind this survey was done December of '24, but future stock market downturns was only 12.5% as a concern. Now, today, if that was done this week, that we're taping this podcast, it might be a little different; however, I do want to bring up at the time we're talking right this second, Tony, the market's been about down about 10%. You and I were just chatting about that at the time we're taping this podcast, but at the time, I just pulled it up while we're chatting, it's up right now 1% today on the news that the inflation numbers were a little bit better than expected.   They came in a little bit better, and it's funny because I was looking at the news articles. Just type in S&P 500, and you get the immediate news responses, right? And this morning it was all the sky is falling doom and gloom. Here, this afternoon, and this is just after one o'clock. We're taping this eastern time, and the inflation numbers came out, and now all the news stories are, "Outlook, much better. Market wraps. Three things that could spark a quick recovery." All the news is positive, so you got to be really careful with that stuff, right? Because they're just in it to kind of capitalize on whatever the thing at that moment happens to be.   Tony Mauro: It is. With the news, as fast as it comes out, that's exactly what it is. Really, a lot of this, of course, we try to explain to our clients, take the long-term view. This is very short-term.   Speaker 1: Yeah. 10% is a normal correction. If that's all it winds up being, right? That's not a big deal in the grand scheme, right?   Tony Mauro: It is, and I just sent out, basically, a chart that I just got out of one of the research magazines, and you've probably seen them before, but I just sent it out to all of our clients, just the old cost of timing the market, and they have a chart, January of 3 to now, "You just invested $10,000 and just left it in a S&P 500 ETF. You would have $64,000, and now if you missed the 60 best days in all those 10 years, you would actually have lost money and only have $4,205," so-   Speaker 1: It is a long-term proposition, right?   Tony Mauro: It's a long-term proposition. You miss the 10 best days, and you only have $29,000, so you can't afford to try to say, "The market's coming to an end. Let's get out. Let's go all to cash." In my opinion. We tend to try to keep clients focused on that long-term goal, because short-term Fluctuations are just part of it.   Speaker 1: Yeah. Not to get too political or get off on a tazza, but I feel like sometimes we kind of give people a little bit of both sides of the coin. I was just watching somebody talking, who typically they're slant when they're interviewing or they're asking questions is typically right leaning, but they decided to kind of jump on the market downturn and said, "Hey, listen. With a lot of the layoffs that are happening in the government, people are obviously concerned about retirement, and now the market's been falling. It's kind of hard to factor in, kind of feel confident that you could even retire."   They took it from that angle for people being laid off, and it just occurred to me, through all the years of talking with you, and it's like if people being laid off today are worried about the stock market, like this week, they probably didn't have a good strategy in place, because typically your market monies are your later monies, right? So, if you're thinking about early retirement, and this was the conversation piece, was the early retirement buyout, should that be a factor, Tony? Should the market monies be a factor if you're thinking about an early retirement buyout? Because it's still going to be later money. God willing, you're going to be retired for 20 or 30 years, right?   Tony Mauro: It is, and I think you have to keep that retirement type money in that mindset. There's a lot of people. Obviously, it's getting a lot of news in the federal government.   Speaker 1: Sure, and nobody likes it when it goes down. I get it. Right.   Tony Mauro: And nobody likes to see people in masse losing their jobs, let alone in the private sector, but the bad part is it's part of life, and we have to kind of wait and see how all this is going to shake out. It's kind of only been going on for, what? 2, 3 months here?   Speaker 1: 30, 40 days. Yeah.   Tony Mauro: Yeah, and so we just have to kind of wait and see, and hopefully, at the government level, if things get to a point, they've got the mechanisms in place to help turn it around. That's what they're all they're, supposed to be doing.   Speaker 1: Right, and I guess my stance on that was, really my question more was I think people, sometimes it's when we have downturns, we immediately focus on the negative.   Tony Mauro: Oh, yeah.   Speaker 1: And again, it's a human reaction, because nobody likes to see it go down, but if you have a plan and a strategy in place, you do realize that these are your later monies. It's a little easier not to completely freak out, right? At least hopefully, and again, 10% is a normal correction. Now, we don't know if this is the end. We don't know if it'll continue to drop or not at the time we're taping this, but it's just simply pump the brakes a little bit and realize that we were super over-weighted anyway, so some kind of correction was due anyhow.   Tony Mauro: It was, and you look at most individual company stocks, valuations were really high.   Speaker 1: They're all high, all the PEIs are high.   Tony Mauro: Oh, boy.   Speaker 1: And tech, really. Tech was really bad.   Tony Mauro: Really bad, and if you're in mutual funds, and that's their objective to go buy those, they're buying these at high valuations, and all this stuff kind of comes into play. But I agree with you. I think that this is all the more reason to have a plan, number one, and keep an eye on it, mark, watch it, and work with your advisor.   Speaker 1: Sure. Yeah. If you need to de-risk a little bit, hey, nothing wrong with that, right?   Tony Mauro: Yeah, no.   Speaker 1: But we've also been saying that for a while now. I mean, you're talking about the S&P. That's usually the average. That's the index that people cut and your industry use. The all time, 52-week high was at 6,100, and it's at 56 and some change right now. So, again, it's only about 500 points off of that. So again, not a massive downturn, but it's all about perspective and maybe peeling some risk off, which again, a lot of advisors have been saying for a while now, "Hey, the market's been up 22 plus percent the last number of years. Maybe it's time to take a little bit off the top there, just to kind of think about that."   Tony Mauro: Right.   Speaker 1: So, anyway, I won't beat that horse any longer. We'll move on. Healthcare costs was only an 8.5% as a top client concern, Tony. 8.5% on a healthcare cost; however, the advisors, themselves, feel like it should be more like 50% of their perspective client base should be thinking about healthcare costs. What do you think about that?   Tony Mauro: I think, for me, most of our clients that we work with are really concerned about healthcare costs and what it's going to be when they retire, and I think many clients, my older clients are starting and they think about it in their fifties, but I think even the young, which are not thinking about it, and they're still in the accumulation stage, should at least make that part of their plan as that boogie man, so to speak, is out there, from what we know today and make sure that you're factoring that in. But yeah, some of these costs are, as we always say, nothing goes down, but it seems like healthcare costs, and of course cost of education seem to go up way more.   Speaker 1: They always stay up. Yeah.   Tony Mauro: And so, I think it's a big concern, because you got to factor that in when you get off your company's healthcare plan or whatever you've got, and you've got to make it work. It seems like most of these people, like my dad included, who's now 83, boy, he uses the healthcare system a lot, because he's constantly at the doctor.   Speaker 1: For sure, and if you're not having the conversation, only eight and a half percent find it to be a top concern, then you could be setting yourself up for some heartache a little later on when an incident does happen, or if not to you, to your spouse, right? Because that's oftentimes what happens when we talk with advisors, is they don't get a plan together, especially for long-term care. One half of the relationship gets nailed with it, and the other half winds up suffering at the end, right? So got to have a strategy. You at least got to be talking about it. I know it's no fun.   Tony Mauro: At least talking. Yeah.   Speaker 1: Yeah. I know it's no fun, but you at least got to start putting some things together in that grouping. One more thing here, and then we'll wrap it up this week on the podcast for this, Tony, but working in retirement. According to the survey, excuse me, an average of 63% of clients surveyed that are age 55 or older, plan to work beyond age 65. They plan to work into their seventies. Interesting, right? So, 63%, more than half, want to work or are going to work past 70.   Now, the reasons are not necessarily because they were panicked about the market, because again, this was done last year, the December of last year, but I think there was two main things that stuck out. They felt like they didn't know if they had enough to totally feel comfortable retiring. 48% of those clients felt that their savings maybe weren't quite enough to live on, and the other 40% said, "Well, they were doing it for the health insurance," to our point a second ago. So this is where, again, a plan and the strategy's got to come into play, get the numbers ran, so you can even find out where you stand.   Tony Mauro: Yeah, because if you don't, then you are really just grasping at straws there, and you're just hoping that it works out.   Speaker 1: And you want to keep working, but what if your body goes new?   Tony Mauro: Yeah, your body goes new. And then, I would say, for us, probably on average, our percentage of clients, 55 to 65 that say they want to work for us, I would say it's probably around 35, 40%, but our clients that are 65 and older, our average is well above this 30% that are actually still working. Ours is probably closer to about 45%, but it's because they want to. They have a plan.   Speaker 1: Which is totally great, yeah.   Tony Mauro: And they just want to get out of the house.   Speaker 1: Sure.   Tony Mauro: So, they actually love it. They don't have to work for the money. They just want to do something and just stay involved in the world a little bit.   Speaker 1: Right, and I think that's where we want to be, right? That's where we'd like to be, having that work optional decision, but I think finding out that a lot of people are doing it for the health insurance coverage, certainly a little daunting there to think about, or they just don't know that their numbers are good enough to retire, like we started out with.   Tony Mauro: Yeah. I always wonder, when I see an older retiree working somewhere, if they're there because they want to or they have to, especially if they're at somewhere where you'd see, I don't know, maybe an extreme example in maybe the fast food industry.   Speaker 1: More physically demanding job? Yeah.   Tony Mauro: Yeah, yeah. More physically demanding. It's like maybe you just always wanted to do this, and just have no stress and just wanted to get out of the house, or are you really working because you have to?   Speaker 1: Now, that's an interesting point. Now, I've got a friend of mine who retired from a very stressful, big corporate position, managing a lot of people, so on and so forth, and he took a job at a supermarket, stocking the shelves, right? Literally, goes in, six o'clock in the morning, something like that. Works for four hours a day. They grab the baskets of stuff he needs to refill, and he goes out and stocks the shelves, and he said, "Dude, I am so happy. I don't have to manage anyone. No one's reporting to me. I know what I'm supposed to do. They trust me to just grab my stuff and do it."   I said, "But it sounds like such a," sometimes we have this stigma. It's like, "Oh. He must be working stocking shelves because he has to, because he's in his late sixties."   Tony Mauro: Right, right.   Speaker 1: And it's like, no, he's doing it because it gets him out of the house. He's like, "For me, the menial tasks helps me free my mind up," because he didn't have to think. He just does, so everybody's got their thing, right? It's like, don't judge somebody, just because you see them doing something.   Tony Mauro: Absolutely not, yeah. That's why I always want to ask them, because I don't want to judge them, but from what I hear from our clients, those types of work, which is most of the clients that I have, that's what they do is that kind of stuff. It is just menial stuff, because the one on one thing is I don't want a lot of pressure, I don't want to have to think.   Speaker 1: Right.   Tony Mauro: I just want to get out, do something, feel like I'm contributing, and talk to people.   Speaker 1: Your body gets to move. He gets to talk to people. Yeah.   Tony Mauro: And they enjoy it. The same type of retiree, he drives for the shuttle at my car dealer, and he absolutely loves it. He's like 78. He works for about five hours a day. He drives people around and talks to them, and he goes home. He loves it.   Speaker 1: No stress, no fuss, no muss, right?   Tony Mauro: Nope, nope.   Speaker 1: So yeah, so interesting stuff in today's conversation around this survey done from Financial Advisor Magazine. We'll put a link into it in the show descriptions if you'd like to check it out for yourself. That way, you can read the online survey as well, but at the end of the day, Tony, you just got to see what it is that you have and what it is that you need for your situation, because everybody's situation is different. Tony's is different than mine, and mine's different than yours, and so on and so forth, right? So, get yourself onto the calendar folks. Have a conversation with Tony at Yourplanningpros.com. That is Yourplanningpros.com. He's got more than 30 years of experience helping folks. He's a CPA, CFP, and an EA. He's got all the credentials there. So if you've got some questions, reach out to him and get started today. Don't forget to subscribe to us on Plan With the Taxman. I know we went a little long this week. Thank you for your time, folks. We always appreciate it. Tony, my friend, have yourself a great week.   Tony Mauro: All right. We'll see you next time. Thanks.   Speaker 1: Yes, sir. We'll see you next time here on the podcast. We'll catch you later here on Plan With the Tax Man with Tony Mauro.   Securities offered through Avantax Investment Services SM, member FINRA, SIPC. Investment advisory services offered through Avantax Advisory Services. Insurance services offered through an Avantax affiliated insurance agency. Investment strategies discussed in this episode may not be suitable for all investors. Please consult with a financial professional.

Chief Meterologist Too Tall Tom Szymanski gives some stats on the rollercoaster weather we have been experiencing as well as an outlook on the potential for a March Rain/Thunder/Snow storm this weekend!See omnystudio.com/listener for privacy information.

Text us your financial questions!Original Air Date: March 8, 2025   The “Henssler Money Talks” show hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, discuss the market's volatility. Despite only being down 5% from the all-time high, many investors want to pull back their equity exposure as emotions are driving their decision-making. We'll break down recency bias from the past two stellar market years and why short-term swings shouldn't dictate long-term strategy. We look at how the Henssler Ten Year Rule helps in these market conditions and why investing in high quality companies can make a difference.   Read the Article: https://www.henssler.com/riding-out-the-storm-how-to-handle-market-declines   

Use coupon code IRIEARMY to save 10% at AC Infinity! https://www.acinfinity.com/?ref=RASTAJEFF&utm_campaign=affiliate_promotions&utm_medium=social&utm_source=affiliate Join us on Discord! https://discord.gg/AbJHtrtPG5

Text us your financial questions!Henssler Money Talks — March 8, 2025  Season 39, Episode 10 This week on "Henssler Money Talks," show hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, discuss the market's volatility. Despite only being down 5% from the all-time high, many investors want to pull back as emotions are driving their decision-making. We'll break down recency bias from the past two stellar market years and why short-term swings shouldn't dictate long-term strategy. We look at how the Henssler Ten Year Rule helps in these market conditions and why investing in high quality companies can make a difference. Focusing on specific sectors, the team considers a listener's question on the growth opportunities in the Utilities sector and take a closer look at our recent portfolio realignment in the Energy sector. After the break, the hosts discuss how some major insurers, which are facing growing losses because of the California wildfires, are pulling back from insuring lavish homes, making it harder for homeowners to find coverage. We'll look at how this affects consumers, homeowners, landlords, and insurance holdings in the portfolio. Timestamps and Chapters 5:27: Market Volatility, Emotions, and Your Financial Plan 24:22: Sector Focus: Utilities and Energy 38:11: California Wildfires and the Insurance Industry Follow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup  “Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ 

An urge for Kiwis to not worry about market impacts from Donald Trump's tariffs on their KiwiSaver. The US President's slapped import levies on Canada, China, and Mexico, and has signalled more for other countries. Trump says he's spoken with Canadian Prime Minister Justin Trudeau over easing tariffs on the auto sector. But Milford Asset Management head of KiwiSaver Murray Harris told Mike Hosking it's a long term investment, and markets always go up and down. He says their advice is to ignore the market fluctuations, stay the course, and not panic. Harris says when markets go down, contributions are buying more value, and when markets recover, KiwiSaver users will benefit from those extra units, bought more cheaply. LISTEN ABOVE See omnystudio.com/listener for privacy information.

Today's guest is LABS member, Sarah Hart, the founder and creative director of Simply Curated, a home fragrance brand that has been in business for twelve years. Sarah also recently launched a sister brand called Hart and Co.  In this episode, Sarah shares the origins of her candle and home fragrance business, including the pivotal moments and challenges that she faced along the way. She provides insight into the nuances of the candle industry and the unique hurdles that it presents, like seasonal fluctuations in demand and the importance of in-person customer experiences.  Sarah also shares what it was like to launch a sister brand that ventures into new territory with a different aesthetic appeal and product approach. Sarah shares how she balances managing two thriving brands to really harness the power of social media in supplementing her business. Today's episode is brought to you by Digital Lizard, who is a sponsor of our Paper Camp program. Digital Lizard is a leading marketing company that offers a wide range of print, procurement, and creative production solutions, including digital and offset printing, sourcing, and logistics.  All of our Paper Camp and our LABS students get access to a private Proof to Product print portal with Digital Lizard, where they get discounted rates on print services and a dedicated sales rep to help us with all of our project management.  Many of our community members use Digital Lizard to print products, do their packaging, their catalogs, marketing materials, and more. Digital Lizard offers low minimum quantities and quick turnaround times which our community loves. So if you're looking for a new print partner, our community has great experiences working with Digital Lizard. You can learn more about Digital Lizard's capabilities and services online at digitallizard.com. You can view full show notes and more at http://prooftoproduct.com/383  Quick Links: Free Wholesale Audio Series Free Resources Library Free Email Marketing for Product Makers PTP LABS Paper Camp  

In this episode, John Schlegel, head of Global Positioning Intelligence at J.P. Morgan, sits down with Andrew Tyler, head of the Global Market Intelligence team, to discuss the current state of the U.S. equity markets amid recent fluctuations. They examine the underlying factors contributing to the recent drawdown, including macroeconomic data, trade policy uncertainties and valuation concerns. The conversation also explores potential sector opportunities, the impact of international equities and the role of seasonality in market movements.   This episode was recorded on March 3, 2025. The views expressed in this podcast may not necessarily reflect the views of J.P. Morgan Chase & Co and its affiliates (together “J.P. Morgan”), they are not the product of J.P. Morgan's Research Department and do not constitute a recommendation, advice, or an offer or a solicitation to buy or sell any security or financial instrument.  This podcast is intended for institutional and professional investors only and is not intended for retail investor use, it is provided for information purposes only. Referenced products and services in this podcast may not be suitable for you and may not be available in all jurisdictions.  J.P. Morgan may make markets and trade as principal in securities and other asset classes and financial products that may have been discussed.  For additional disclaimers and regulatory disclosures, please visit: www.jpmorgan.com/disclosures/salesandtradingdisclaimer. For the avoidance of doubt, opinions expressed by any external speakers are the personal views of those speakers and do not represent the views of J.P. Morgan. © 2025 JPMorgan Chase & Company. All rights reserved.

Catherine Johnson, MD, MPH, recaps her article, “Impact of Selective Laser Trabeculoplasty on Diurnal IOP Fluctuation,” which was written with Barbara Wirostko, MD, FARVO, and featured in the November/December issue of Glaucoma Today. Home tonometry data are shedding light on SLT's effect on IOP spikes in the months following laser treatment. This article reviews diurnal IOP fluctuation before and after SLT and discusses the implications of home tonometry in research.

"Do not heap up empty phrases as the Gentiles do, for they think that they will be heard for their many words." – Matthew 6:7In Matthew 6, Jesus warns against meaningless repetition in prayer. Thankfully, He doesn't leave us wondering how to pray. Instead, He gives us the Lord's Prayer—an example of how we should approach God with our needs.But have you ever noticed how often we overlook a key part of this prayer? The request for provision:"Give us this day our daily bread." – Matthew 6:11This simple yet profound verse reminds us that God is our provider. He wants us to come before Him humbly, asking for what we need. And in a world where self-sufficiency is often celebrated, this truth is more important than ever.God Is Our ProviderJesus' words in Matthew 6:11 serve as a powerful reminder that we depend on God for our most basic needs—starting with food. It's easy to take this for granted, especially in a time and place where food shortages are rarely a daily concern.But do we truly recognize that all provision comes from God? Do we regularly thank Him for our meals and daily necessities? Or do we fall into the trap of thinking that our own efforts—our jobs, savings, and financial planning—are what sustain us?It's only when we face scarcity—when food, money, or security seem uncertain—that we remember our true dependence on God. But Jesus calls us to recognize this truth every day, not just in times of crisis.The phrase “Give us this day our daily bread” has a deeper meaning than just food. It speaks to all our needs—physical, emotional, and spiritual. We hunger for more than just nourishment. We long for peace, love, purpose, and meaningful relationships.Jesus teaches us to bring these needs to God in prayer, acknowledging that only He can truly satisfy us. The Lord's Prayer is not just about survival—it's about trusting that God will provide everything we need, both physically and spiritually.The Danger of Self-SufficiencyFor those of us living in relative abundance, the idea of asking for daily bread might feel distant. Unlike Jesus' original audience, who often faced food insecurity, we may not think about whether we'll eat tomorrow. In fact, for many, the challenge is having too much rather than too little.Yet, even in prosperity, Jesus' words remain critical. This prayer reminds us that we are not self-sufficient. It helps guard against the illusion that we control our own destiny.The danger of materialism is subtle. We may not consciously reject God's provision, but when we place our trust in our bank accounts, investments, or careers, we begin to believe that we sustain ourselves. That mindset leads to pride—and ultimately distances us from God.Jesus knew our hearts would struggle with this. That's why He later says:"Seek first the kingdom of God and His righteousness, and all these things will be added to you." – Matthew 6:33We don't need to worry about our next meal, our financial security, or our future. What we truly need is God Himself. And prayer reminds us of that.Breaking the Grip of MaterialismOne way to keep our hearts aligned with this truth is through generosity. Giving is a tangible way to acknowledge that God—not our wealth—is our provider. When we give, we loosen the grip that money has on us and demonstrate our faith that God will continue to meet our needs.There will always be reasons to worry—economic downturns, market fluctuations, unexpected expenses. But these uncertainties should drive us to prayer, not fear.So, the next time you pray, “Give us this day our daily bread,” say it with sincerity. Recognize your dependence on God. Thank Him for His provision. And let that gratitude lead you to trust—and give—more freely.On Today's Program, Rob Answers Listener Questions:I'm 68 and plan to retire at 72. I owe $95,000 on a condo with a 7.125% interest rate. I've been paying an extra $1,000 per month towards the principal, but I'd like to know if I should do something else with that money instead of paying down the mortgage. I want to be debt-free when I retire. What should I do?I have some stock savings I was planning to use for retirement. But I had to max out a credit card a couple of years ago when I lost income. The collection agency is offering to let me pay 75-80% of the debt in a lump sum. Should I take money from my stocks to pay this off or try to work out a monthly payment plan instead?I recently won a $570,000 home from the St. Jude Dream Home Giveaway. When I took ownership, I had to pay $205,000 in taxes. My CPA says I could pay an additional 20% capital gains tax when I sell. I've had the home for a few years, and its value hasn't changed much. Can you help me understand the capital gains tax and how I can minimize the tax burden?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineChristian Credit CounselorsLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

In this episode, Louise, a multi-award-winning expert for perimenopausal active women and runners, explores why the scale fluctuates during perimenopause and how to navigate weight changes without frustration. She shares her personal journey with shifting hormones, stress, and weight fluctuations, shedding light on how these factors impact body composition. She breaks down the role of stress, sleep, and hormones in weight gain and loss, explaining why perimenopausal weight changes aren't always linear and how to track progress effectively. Louise also discusses the importance of nutrition, hydration, and protein timing for fat loss and muscle building, along with practical strategies to stay on track despite emotional and hormonal challenges. Most importantly, she emphasizes why mindset and consistency matter more than the number on the scale. If you've ever felt discouraged by weight fluctuations, this episode will give you the tools and confidence to work with your body, not against it. Tune in and take control of your health with a smarter, more sustainable approach!Get our free nutrition guide, weekly newsletter & explore our industry-leading Badass Breakthrough Academy here: https://www.breakingthroughwellness.com/ Get our podcast listener discount of 20% off Kion's science-backed essential amino acids & more at https://www.getkion.com/maximizing Episode Highlights:(0:00) Intro(4:34) The reality of weight fluctuations during perimenopause(5:51) Nutrition strategies to optimize metabolism and hormone balance(7:31) The impact of stress, sleep, and emotional challenges on weight(11:39) Why understanding your cycle prevents unnecessary frustration(15:10) Real-life strategies for staying on track despite setbacks(18:53) Long-term mindset shifts for sustainable progress(23:49) OutroTune in weekly to "Maximizing Fitness, Physique, and Running Through Perimenopause" for a simple female-specific science-based revolution. Let's unlock our best with less stress!I'd love to connect!Instagram

In this episode, Curt Jaimungal speaks with Jacob Barandes, a theoretical physicist from Harvard, about the complexities of quantum mechanics. They explore wave-particle duality, Jacob's reformulation of quantum theory through indivisible stochastic processes, and the historical perspectives of figures like Schrödinger and Einstein. As a listener of TOE you can get a special 20% off discount to The Economist and all it has to offer! Visit https://www.economist.com/toe Join My New Substack (Personal Writings): https://curtjaimungal.substack.com Listen on Spotify: https://tinyurl.com/SpotifyTOE Become a YouTube Member (Early Access Videos): https://www.youtube.com/channel/UCdWIQh9DGG6uhJk8eyIFl1w/join Links Mentioned: •⁠ ⁠Watch Part 1 of this conversation here: https://www.youtube.com/watch?v=YaS1usLeXQM •⁠ ⁠Jacob's talks covering many of his points in this conversation: https://www.youtube.com/@JacobBarandesPhilOfPhysics •⁠ ⁠Jacob's first appearance on TOE: https://www.youtube.com/watch?v=7oWip00iXbo •⁠ ⁠New Prospects for a Causally Local Formulation of Quantum Theory (Jacob's paper): https://arxiv.org/abs/2402.16935 •⁠ ⁠The Stochastic-Quantum Correspondence (Jacob's paper): https://arxiv.org/abs/2302.10778 •⁠ ⁠Schrodinger's wave function paper (1926): https://github.com/yousbot/Quantum-Papers/blob/master/1926%20-%20E.%20Schrodinger%2C%20An%20Undulatory%20Theory%20of%20the%20Mechanics%20of%20Atoms%20and%20Molecules.pdf •⁠ ⁠The Born-Einstein Letters (book): https://www.amazon.com/Born-Einstein-Letters-1916-1955-Friendship-Uncertain/dp/1403944962/ •⁠ ⁠Probability Relations Between Separated Systems (paper) : https://www.informationphilosopher.com/solutions/scientists/schrodinger/Schrodinger-1936.pdf •⁠ ⁠John Bell on Bertlemann's socks (paper): https://cds.cern.ch/record/142461/files/198009299.pdf •⁠ ⁠John Bell on the Einstein Podolsky Rosen paradox (paper): https://journals.aps.org/ppf/pdf/10.1103/PhysicsPhysiqueFizika.1.195 •⁠ ⁠Can Quantum-Mechanical Description of Physical Reality Be Considered Complete'? (paper): https://journals.aps.org/pr/pdf/10.1103/PhysRev.47.777 •⁠ ⁠Causation as Folk Science (paper): https://sites.pitt.edu/~jdnorton/papers/003004.pdf Timestamps: 00:00 Introduction to Quantum Mechanics 06:01 Wave-Particle Duality Explained 08:44 Distinctions Between Waves 10:36 Quantum Field Theory Insights 15:10 Research Directions in Quantum Physics 24:27 Challenges in Quantum Field Theory 31:38 Quantum Mechanics vs. General Relativity 35:47 Fluctuations in Spacetime 45:09 Probabilistic General Relativity 54:00 Bell's Theorem and Non-Locality 1:20:48 The Nature of Causation in Physics 1:23:52 Causation in Modern Science 1:30:26 Reichenbachian Factorization Debates 1:31:44 Bell's Theorem Evolution 1:35:45 Indivisible Stochastic Approach 1:38:17 Understanding Entanglement 1:42:28 Information and Black Holes 1:45:44 Phase Information Loss 1:49:03 Heisenberg and Copenhagen Interpretation 1:52:29 The Nature of Electrons 1:53:09 Exploring Open Research Questions 1:59:09 Probabilities in Statistical Mechanics 2:11:30 Problems with Many Worlds Interpretation 2:27:42 Challenges of Probability in Many Worlds 2:35:14 The Case for a New Interpretation 2:43:11 Building a Collaborative Reputation Support TOE on Patreon: https://patreon.com/curtjaimungal Twitter: https://twitter.com/TOEwithCurt Discord Invite: https://discord.com/invite/kBcnfNVwqs #science #quantummechanics #quantumphysics #physics Learn more about your ad choices. Visit megaphone.fm/adchoices

Come to a Dehoarding Accountability Zoom Session: http://www.overcomecompulsivehoarding.co.uk/ticket Subscribe to the podcast: https://www.overcomecompulsivehoarding.co.uk/subscribe Podcast show notes, links and transcript: http://www.overcomecompulsivehoarding.co.uk/  In today's episode, I talk about the practical challenges of handling clothes when losing or gaining weight, without promoting or criticising body size changes – this is a diet-culture free zone! I look at the emotional, nostalgic, and practical hurdles in letting go of clothes that no longer fit and offer advice on maintaining a well-balanced wardrobe while managing current size transitions. Like, what do we buy in our new size?! Plus, I'll provide practical tips on selling or donating old clothes and how to avoid over-accumulating in your new size. Handling Clothes When Gaining or Losing Weight Experience with Weight Fluctuation Emotional and Practical Challenges of Clothes That No Longer Fit Challenges of Discarding Clothes Emotional Attachment to Clothes Difficulty in Letting Go of Clothes with Memories or Associations Factors Influencing the Decision to Keep or Discard Clothes Potential Future Weight Fluctuations Emotional Attachments The Sunk Cost Fallacy Guilt About Waste Strategies for Managing Clothes When Weight Changes Building the Dehoarding Muscle Selling vs. Donating Clothes Setting Parameters for Clothing Storage Practical Solutions for Current Clothing Needs Shopping Your Own Stuff Gradual Replacement Strategy Mindful Purchasing Decisions The Liberating Aspects of Letting Go of Clothes

In this episode of FOF Gym Chat, we are diving into a Q&A focused on food, tracking, and nutrition habits. We share insights from five weeks of food tracking, discuss hidden calories in oils & restaurant meals, and explore how Kenzie's Continuous Glucose Monitor (CGM) is revealing unexpected blood sugar responses. Plus, they break down why weight fluctuates daily and how to maintain a healthy relationship with the scale. Tune in for practical tips on food tracking, metabolic health, and making smarter nutrition choices! Enjoy! K+J

Unlock the secrets of navigating market fluctuations in our latest episode of Better Financial Health in 15 Minutes or Less. As we explore the transformative impact of the Trump administration on the economy, we'll reveal how efforts to streamline government operations could both curb inflation and adjust government spending. Will the potential extension of tax cuts inject new life into the markets, or do historical deficits threaten to derail progress? Join me, Stacey Hyde, as I tackle these complex dynamics and what they mean for your financial future.Our conversation doesn't stop there. We delve into the tech sector's recent rollercoaster ride, driven by unexpected advancements in China's AI capabilities. Drawing a parallel with the tech boom of the late '90s, we explore the necessity for diversification and adaptability in today's market landscape. From Amazon's journey from bookseller to cloud computing giant, to the anticipated volatility as markets adjust to reduced government spending, we provide insights into what's ahead. All this while keeping a keen eye on interest rate trends and how they might influence your investment returns in the coming years. Don't miss out on this insightful discussion that promises to prepare you for the financial road ahead. Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

Too busy to read the Lens? Listen to our weekly summary here! In this week's episode we discuss Extent of optic nerve and optic nerve sheath MRI enhancement may predict visual outcomes in first episodes of MOG optic neuritis. A retrospective cohort study finds that topical pilocarpine use may increase the risk of retinal detachment. A new study used animal models to test safety and toxicity profiles after subretinal injection of a gene therapy for type 1 Usher Syndrome. Fluctuations in blood pressure are associated with faster visual field progression in glaucoma.

Come along for part two of the Silver Conspiracy! You can find all of our wonderful links on the Linktree: https://linktr.ee/allts The Silver Market The silver market involves the buying, selling, and trading of silver, a precious metal with industrial, monetary, and investment value. It operates globally, with major trading hubs in London, New York, and Shanghai. Silver is traded in various forms, including physical bullion (bars and coins), exchange-traded products (ETPs), futures contracts, and as part of industrial goods. Spot Price Determination The spot price of silver is the current market price at which silver can be bought or sold for immediate delivery. It is determined by: Global Supply and Demand: Supply comes from mining, recycling, and above-ground stockpiles. Demand spans industrial uses (solar panels, electronics), jewelry, investment, and medical applications. Futures Markets: Trading on commodity exchanges, such as COMEX (New York) and LBMA (London), heavily influences the spot price. Futures prices reflect traders' expectations about the future price of silver, which impacts the spot price. Currency Strength: Silver is typically priced in U.S. dollars. Fluctuations in the dollar's value can affect the silver price. Economic Conditions: Inflation, interest rates, and geopolitical events can increase or decrease silver demand as a safe-haven asset, influencing prices. Market Liquidity: Larger buy or sell orders can move the price, particularly during periods of lower trading volume. Benchmark Pricing: The London Bullion Market Association (LBMA) sets the "LBMA Silver Price," a benchmark used for trading contracts. Is the Price of Silver Manipulated? Claims of silver price manipulation have been a topic of debate for years. Key points include: Historical Incidents: Hunt Brothers (1980): The Hunt brothers famously tried to corner the silver market, driving prices to unprecedented levels before a market crash. Regulatory Fines: Major financial institutions, such as JPMorgan Chase, have been fined for manipulating precious metals markets, including spoofing (placing and canceling large orders to mislead other traders). Market Characteristics: Silver's relatively smaller market size compared to gold makes it more susceptible to price swings and potential manipulation. Structural Factors: The heavy reliance on derivatives (futures contracts) can allow large players to influence prices disproportionally compared to the physical market. Critics' View: Some argue that large institutions intentionally suppress silver prices to protect fiat currencies or maintain stability in broader financial markets. Regulatory Oversight: Agencies like the Commodity Futures Trading Commission (CFTC) monitor trading to reduce manipulation risks. However, enforcement remains a challenge.

For detailed education on health and fat loss, here is the link to my digital courses.Support the showIf you want to support this podcast, you can Buy Me A Coffee, maybe.

This episode covers:A recent study on intermittent fasting, 15 reasons why the scale may fluctuate overnight, how to measure progress without the scale, and more!Links mentioned during this episode:Lyons' Share Free Initial Consultation: https://p.bttr.to/3a9lfYkMagic Mind 45% Off Bundle Link: https://www.magicmind.com/WYWJANScale Fluctuations Blog Post: https://www.thelyonsshare.org/2023/08/22/beyond-fat-the-science-behind-temporary-scale-fluctuations/Intermittent Fasting Study: https://www.nature.com/articles/s41591-024-03375-yLyons' Share Instagram: www.instagram.com/thelyonsshareLyons' Share Website: www.thelyonsshare.org

Can we predict sports injury by monitoring transition points between attractors states of a complex system, or, in other words, points of instability?  A test using soccer players. Articles:Critical Fluctuations as an Early Warning Signal of Sports Injuries? A Proof of Concept Using Football My Research Gate Page (pdfs of my articles) My ASU Web page Podcast Facebook page (videos, pics, etc)   Subscribe in iOS/Apple Subscribe in Anroid/Google   Support the podcast and receive bonus content   Credits: The Flamin' Groovies – ShakeSome Action Mark Lanegan - Saint Louis Elegy via freemusicarchive.org and jamendo.com

Come along as we discuss possible manipulation of the silver markets! You can find all of our wonderful links on the Linktree: https://linktr.ee/allts   The Silver Market The silver market involves the buying, selling, and trading of silver, a precious metal with industrial, monetary, and investment value. It operates globally, with major trading hubs in London, New York, and Shanghai. Silver is traded in various forms, including physical bullion (bars and coins), exchange-traded products (ETPs), futures contracts, and as part of industrial goods. Spot Price Determination The spot price of silver is the current market price at which silver can be bought or sold for immediate delivery. It is determined by: Global Supply and Demand: Supply comes from mining, recycling, and above-ground stockpiles. Demand spans industrial uses (solar panels, electronics), jewelry, investment, and medical applications. Futures Markets: Trading on commodity exchanges, such as COMEX (New York) and LBMA (London), heavily influences the spot price. Futures prices reflect traders' expectations about the future price of silver, which impacts the spot price. Currency Strength: Silver is typically priced in U.S. dollars. Fluctuations in the dollar's value can affect the silver price. Economic Conditions: Inflation, interest rates, and geopolitical events can increase or decrease silver demand as a safe-haven asset, influencing prices. Market Liquidity: Larger buy or sell orders can move the price, particularly during periods of lower trading volume. Benchmark Pricing: The London Bullion Market Association (LBMA) sets the "LBMA Silver Price," a benchmark used for trading contracts. Is the Price of Silver Manipulated? Claims of silver price manipulation have been a topic of debate for years. Key points include: Historical Incidents: Hunt Brothers (1980): The Hunt brothers famously tried to corner the silver market, driving prices to unprecedented levels before a market crash. Regulatory Fines: Major financial institutions, such as JPMorgan Chase, have been fined for manipulating precious metals markets, including spoofing (placing and canceling large orders to mislead other traders). Market Characteristics: Silver's relatively smaller market size compared to gold makes it more susceptible to price swings and potential manipulation. Structural Factors: The heavy reliance on derivatives (futures contracts) can allow large players to influence prices disproportionally compared to the physical market. Critics' View: Some argue that large institutions intentionally suppress silver prices to protect fiat currencies or maintain stability in broader financial markets. Regulatory Oversight: Agencies like the Commodity Futures Trading Commission (CFTC) monitor trading to reduce manipulation risks. However, enforcement remains a challenge.

Erik and Stefan advise an anonymous listener not to read too much into a recent dip in their practice test scores. Read more on our website!Email daily@lsatdemon.com with questions or comments.Watch this episode on YouTube.

Episode 123 - Cadence Drills, Heart Rate Fluctuations, and Quantifying Stress   Hello everyone. Welcome to the latest episode of The Matchbox Podcast powered by Ignition Coach Co. I'm your host, Adam Saban, and on this week's episode we're talking cadence drills, heart rate fluctuations, and quantifying stress. As always, if you like what you hear please share this with your friends and leave us a five star review and if you have any questions for the show drop us an email at matchboxpod@gmail.com with email title The Matchbox Podcast or head over to ignitioncoachco.com and fill out The Matchbox Podcast listener question form. Alight let's get into it!   For more social media content, follow along @ignitioncoachco @adamsaban6 @dizzle_dillman @dylanjawnson @kait.maddox   https://www.youtube.com/c/DylanJohnsonCycling https://www.ignitioncoachco.com  https://www.youtube.com/@DrewDillmanChannel   Intro/ Outro music by AlexGrohl - song "King Around Here" - https://pixabay.com/music/id-15045/    The following was generated using Riverside.fm AI technologies   Keywords cycling, pedaling drills, heart rate, training adaptations, lactate testing, cycling performance, endurance training, VO2 max, anaerobic sessions, cycling fitness, lactate levels, training stress, recovery, VO2 max, training metrics, subjective training, lactate testing, athlete performance, endurance training, fitness goals Summary In this episode, the hosts discuss various aspects of cycling training, focusing on pedaling drills, heart rate changes with increased training volume, and the use of lactate testing to measure workout intensity. They explore the effectiveness of different pedaling techniques, the implications of heart rate variations, and how to assess the stress of high-intensity sessions. In this conversation, the hosts delve into the complexities of lactate levels and their relationship to training stress, emphasizing that the increase in stress is not linear. They discuss the importance of recovery, especially for older athletes, and the need to listen to one's body rather than relying solely on objective metrics. The practicality of lactate testing is questioned, with the consensus that while it can provide useful information, it may not be worth the hassle for most athletes. The conversation concludes with encouragement for athletes to focus on their training and recovery, especially in light of personal challenges. Takeaways Zone two riding may not be effective without specific drills. High and low cadence training can be beneficial for certain events. Research on cadence training shows mixed results. Single leg drills can help identify muscular imbalances. Preferred cadence varies by cycling discipline. Heart rate can decrease with increased training volume. A decline in heart rate can indicate improved fitness. Lactate testing can provide insights into workout stress. Intensity sessions should be tailored to individual recovery. Understanding lactate levels can help manage training loads. Lactate levels vary among individuals and are not a strict measure of stress. Recovery is crucial, especially for older athletes. Training should balance subjective feelings and objective metrics. Lactate testing can be cumbersome and may not provide significant benefits. Listening to your body is essential for effective training. VO2 max sessions can be more stressful than longer endurance rides. Athletes should focus on their overall training volume and recovery. Subjective experiences can often contradict objective data. It's important to adjust training intensity based on how one feels. Overcoming personal challenges can lead to significant fitness gains. Titles Exploring the Effectiveness of Pedaling Drills Understanding Heart Rate Changes in Cyclists The Role of Lactate Testing in Cycling Performance Maximizing Cycling Efficiency Through Cadence Training Sound Bites "Zone two riding is a waste of time." "I think there is a purpose for everything." "Stress increases exponentially, not linearly." "You need to be aware of your body." "Recovery should be his main focus." "Sometimes training requires subjectivity." "Training is very subjective." "Lactate testing is a pain in the ass." "Lactate checking is too much of a headache." Chapters 00:00 Introduction and Pedaling Drills Discussion 16:47 Heart Rate Changes and Training Adaptations 20:10 Lactate Testing and Intensity Session Stress 22:35 Understanding Lactate Levels and Stress Response 28:28 The Importance of Recovery in Training 34:57 Subjectivity vs. Objectivity in Training Metrics 40:40 The Practicality of Lactate Testing 45:36 Encouragement and Future Outlook for Athletes

Amy Vertrees, MD is a board-certified general surgeon, Army veteran, certified coach, author and founder of the BOSS Business of Surgery Series. She served 17 years in the Army, reaching the rank of lieutenant colonel, and deploying 3 times to Afghanistan and Iraq as a general surgeon. After leaving the military, she was an employed surgeon then created Columbia Surgical Partners, a private practice general surgery group. She discovered there were lessons that she was never taught in residency that were necessary for a successful surgical career. She created the BOSS Business of Surgery Series to fill in that gap and has used everything that she has learned to become a successful private practice general surgeon. The BOSS series includes a highly rated podcast, group coaching and 1:1 coaching and the book “Become the BOSS MD: Success Beyond Residency.” In this episode, Dr. Amy and I talk about the fluctuations in income that occur with being a business owner and the mental drama it can create. As an employed physician, she was used to a regular paycheck. Her goal with her private practice was to be profitable from day 1. Tune in to learn more how she made this goal a reality but how she had to learn to manage the fluctuations in income. You can contact Dr. Amy Vertrees at Website: https://www.bosssurgery.com/Facebook: “Become the BOSS MD Coaching”https://www.facebook.com/groups/249619353796932Instagram https://www.instagram.com/become_the_bossmd/LinkedIn: https://www.linkedin.com/in/amy-vertrees-md-20192a8b/  Please subscribe and leave a review on your favorite Podcasting platform.  If you want to start your path to financial freedom, start with the Financial Freedom Workbook. Download your free copy today at https://www.GrowYourWealthyMindset.com/fiworkbook You can learn more about Elisa at her website or follow her on social media.Website: https://ww.GrowYourWealthyMindset.comInstagram https://www.instagram.com/GrowYourWealthyMindsetFacebook https://www.facebook.com/ElisaChianghttps://www.facebook.com/GrowYourWealthyMindsetYouTube: https://www.youtube.com/c/WealthyMindsetMDLinked In: www.linkedin.com/in/ElisaChiang  Disclaimer: The content provided in the Grow Your Wealthy Mindset Podcast is for informational and entertainment only and should not be considered professional investment, legal, or tax advice. Dr Elisa Chiang is not a certified financial planner, attorney, or accountant.  The views expressed are the personal opinion of Elisa Chiang and her guests and should not be taken as advice specific to you, the listener of the podcast. Personal finance is personal and your personal financial decision need to be made based on your personal financial situation and risk tolerance after having completed your own due diligence.  

Visit us at shapedbydog.com    Do dogs really test us? It can sure seem that way when a dog's behavior is not what we expect and they show inconsistency and fluctuations in what they do. My stance on this topic has changed over the years, and I'm sharing why, along with perspectives on why dogs might seem to be testing us, and the first thing I usually do if my dog surprises me with an unexpected response.   In this episode, you'll hear:   • My answer to the question: “Do our dogs test us?”  • About my journey in dog training, including my experiences with different breeds and dog sports. • Why I believe dogs are not intentionally testing us, but rather responding to incomplete education or changing environments. • The importance of understanding the ABCs of dog training - antecedents, behavior, consequences - and how they influence dog behavior. • How to approach behavior when it's in flux vs. when it's fluent. • The role of curiosity in dog training and why I always strive to be a lifelong learner. • What I do when a trained behavior surprises me and goes back into flux. • Why reacting with correction may not be the fastest solution. • How adopting a mindset of compassion and curiosity can transform your relationship with your dog.   Resources:   1. Podcast Episode 290: The Red Flag Of Dominance Based Training: Why It's Hurting Your Dog And What To Do Instead - https://dogsthat.com/podcast/290/ 2. Podcast Episode 46: Is Your Dog Trying to Dominate You and What You Can Do About It - https://dogsthat.com/podcast/46/ 3. DogsThat YouTube Channel - https://www.youtube.com/dogsthat 4. Podcast Episode 247: Redefining Expertise In Dog Training And What Counts More Than Years Of Experience - https://dogsthat.com/podcast/247/ 5. Book: Shaping Success By Susan Garrett - https://dogsthat.com/product/shaping-success-2/ 6. YouTube Short: Do Dogs Test Owners Or Are Owners Tested By Their Lack Of Understanding Of The Science Of Learning? - https://www.youtube.com/shorts/PObEop2LdPk 7. Podcast Episode 202: Getting A Happy Well Behaved Dog With The ABCs Of Training - https://dogsthat.com/podcast/202/ 8. Podcast Episode 245: Make Dog Training Easy! Quick Guide To Antecedent Arrangements - https://dogsthat.com/podcast/245/ 9. YouTube Video: Dogs See In Pictures: Understanding Their View For Training Success - https://www.youtube.com/watch?v=ePkaYKt_8qs 10. Podcast Episode 118: Same Home Different Rules: Will Reinforcement Based Dog Training Work? - https://dogsthat.com/podcast/118/ 11. Podcast Episode 164: The Danger Of Car Travel For Dogs: Evaluating Your Risk - https://dogsthat.com/podcast/164/ 12. Podcast Episode 150: Adding Mindset To Your Dog Training Tools: Who Do You Become? - https://dogsthat.com/podcast/150/ 13. Watch this Episode of Shaped by Dog on YouTube - https://youtu.be/MqePQug7d0g

In today's episode I'm breaking down reasons why the scale fluctuates and what to do about it. The scale is not the obstacle you think it is, as long as you know what to expect, and how to interpret the data it's giving you. By the end of the episode, you'll understand what causes the scale to fluctuate, and you'll also gain tips on how to regulate your emotions when those fluctuations happen (and they will, because you're a human

One month you're hitting an all-time high, the next, things have dropped right down. Feast to famine cycles and revenue fluctuations. Why do they happen and what lesson are they trying to teach us? In this episode I share my partner's recent experience of this, and moments from my own journey and how to solve them Grab your copy of Money Magic >> Grab your copy of Magic Source Codes >> Connect with me on IG >> If you enjoyed this episode, please be sure to leave a review from wherever you are listening! Much gratitude xCat

Brian J. Esposito, a luminary in the corporate world, has been consecutively ranked among the top 10 CEOs globally in 2020, 2021, and 2022, as acknowledged by The World CEO Rankings Awards, organized by Adria Management, LLC. As the visionary founder and CEO of Esposito Intellectual Enterprises, LLC (EIE), he helms an expansive empire comprising over 110 entities and 200+ joint ventures, with a dynamic presence across 25+ diverse industries worldwide. In 2021, Esposito's prowess was further highlighted when he was honored as one of the Top 100 People in Real Estate. This accolade was closely followed in 2022 & 2023, where he was celebrated as one of the Top 100 Innovators and Entrepreneurs, underscoring his exceptional entrepreneurial spirit and innovative mindset. Esposito's profound expertise and triumphant track record extend across both private and public sectors. He is renowned for his strategic acumen in building companies and brands that are not only successful but also financially robust, boasting strong balance sheets, impressive earnings, and sustained profitability. In August 2023, Esposito embarked on a new venture as the CEO of Diamond Lake Minerals, Inc. ($DLMI). In this role, he swiftly implemented a transformative strategy, completely overhauling the company's direction. His leadership prowess was evident in the way he surrounded the company with industry icons as advisors. This strategic move, coupled with his innovative leadership, skyrocketed the company's share price from a modest $0.35 to a remarkable $5.25. Concurrently, the market capitalization of Diamond Lake Minerals soared from $1 million to an astounding $184 million, a testament to Esposito's extraordinary leadership and business acumen. What You Will Learn: Who is Brian J. Esposito? Brian shares his entrepreneurial journey spanning over 23 years. How does Brian define and differentiate between various digital assets such as NFTs, cryptocurrencies, tokens, and security tokens in the context of his work with financial technology? Brian highlights his involvement with forward-thinking technologies, particularly in tokenization. What strategic direction does Brian envision for Diamond Lake Minerals (DLMI) following his appointment as CEO? How does he leverage the company's history in this new role? Brian explains the concept of tokenization, and what role do digital wallets and smartphones play in facilitating investment opportunities. In what ways does tokenization enable global participation in investments, and how does it shift the landscape from traditional funding methods to a more democratized approach? What strategic direction does Brian envision for Diamond Lake Minerals under his leadership, and how might the company leverage tokenization in its operations? Why is liquidity important in tokenized investments, and what developments are being made in secondary markets to enhance this liquidity? How has the evolution of investments from bearer bonds to modern brokerage accounts influenced current trading practices and investor behavior? What factors contribute to the prediction that tokenization will become mainstream? What are the primary challenges and misconceptions that potential investors face when trying to understand tokenization? How does blockchain technology provide a transparent and secure method for recording transactions? What challenges does the commercial real estate market face with a significant amount of debt maturing? What ripple effects can economic downturns have on local economies? Why is it crucial to learn from historical economic mistakes? What role does the community play in supporting local businesses through fractional ownership? What is tokenization, and how does it offer opportunities for fractional ownership across various asset classes, including real estate? Brian shares how everyone can contact him. Additional Resources from Brian J. Esposito: Website: www.eie.rocks & www.diamondlakeminerals.com Email: brian@eie.rocks Phone: +1 (732) 778-7990 LinkedIn: https://www.linkedin.com/in/brianjesposito/ Twitter: https://twitter.com/brianjesposito Attention Investors and Agents Are you looking to grow your business? Need to connect with aggressive like-minded people like yourself? We have all the right tools, knowledge, and coaching to positively effect your bottom line. Visit:http://globalinvestoragent.com/join-gia-team to see what we can offer and to schedule your FREE consultation! Our NEW book is out...order yours NOW!   Global Investor Agent: How Do You Thrive Not Just Survive in a Market Shift? Get your copy here: https://amzn.to/3SV0khX HEY! You should be in class this coming Monday (MNL). It's Free and packed with actions you should take now! Here's the link to register: https://us02web.zoom.us/webinar/register/WN_sNMjT-5DTIakCFO2ronDCg

If you're a parent who's always asking “why is my child so tired?”, you're not alone! While occasional fatigue is normal in kids (and parents), constant tiredness might be a sign that something deeper is going on. In this episode, we explore possible causes and offer insights to boost your child's energy levels.In this episode we cover:> How small changes in diet and daily lifestyle habits can make a big difference in your child's energy levels.> Simple, everyday factors that can impact kids' energy, from hydration to blood sugar and activity levels.> Common contributors to ongoing tiredness, like poor sleep quality, overstimulation, nutrient deficiencies, digestive issues, and so much more.If your child is always tired and you're ready for answers, this episode is the best place to start. And if you're looking for more guidance to solve this issue, out team of highly qualified naturopaths are amazing at providing personalised support! You can book in with them here. This episode is proudly sponsored by my membership, the Natural Super Kids Klub. If you would like to become a member of the Klub to get more helpful resources to help you raise a happy and healthy family click here and pop your name on the waitlist. If you loved this episode, leave me a review! I would really appreciate it. Also, let me know your biggest takeaway from this episode by sending me a direct message on Instagram @naturalsuperkids or shoot me an email at jessica@naturalsuperkids.com.

In this Episode of Barbell Shrugged: Why maintaining a healthy bodyweight is so hard Why health is the key ingredient to maintaining a healthy weight The myth that you cannot build muscle and lose fat the same time  The importance of feeding your lean body The mental and emotional benefits of maintaining a health weight Connect with our guests: Anders Varner on Instagram Doug Larson on Instagram Coach Travis Mash on Instagram Dan Garner on Instagram

Do you ever feel like your Hashimoto's symptoms get worse in the fall? What if there's a reason you start feeling off around this time of year? Many of us feel the seasonal shift, especially if you're managing something like Hashimoto's. In this episode: The Autumn Slide – Why it affects so many of us each fall. S-L-I-D-E Explained – How seasonal changes in stress, daylight, and even barometric pressure impact your health. The Immune Connection – Why illnesses spike in fall and how it relates to both Hashimoto's and your overall well-being. Vitamin D – Discover why low vitamin D can be a problem and how to support your immune system through the darker days. Simple Strategies – Tips to navigate this season with more energy and resilience. Join our Health with Hashimoto's community on Skool to share your experiences with the October/Autumn slide, find support, and learn ways to manage these seasonal changes. JOIN THE COMMUNITY: https://www.skool.com/health-with-hashimotos/about    ABOUT THE PODCAST & ESTHER: The Health with Hashimoto's podcast will help you explore the root causes of your autoimmune condition and discover holistic solutions to address your Hashimoto's thyroiditis. It is hosted by Esther Yunkin, a registered nurse, holistic health educator, and Hashimoto's warrior.   This podcast is for informational and educational purposes. Please discuss any questions or concerns with your healthcare professional.

In today's volatile economic landscape, how can real estate investors find stability and growth? Join us as we sit down with Arn Cenedella, a seasoned real estate broker and investor with over 40 years of experience. Starting in Silicon Valley, Arn built a successful brokerage business and an impressive portfolio of single-family rentals across the U.S. By 2020, he shifted his focus to multifamily investments, founding Spark Investment Group to help busy professionals benefit from commercial real estate without the day-to-day management.With extensive expertise in market analysis, financing, and 1031 exchanges, Arn shares invaluable insights into navigating high inflation and market fluctuations in real estate. He currently manages over 1,100 multifamily units worth over $138 million, making him a trusted guide through these challenging times. Whether you're a seasoned investor or just starting out, this episode offers practical advice on how to build resilient real estate investments.