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Send us a textIn this episode, Mark Basch joins host Jason Mudd to discuss the common media mistakes publicly traded companies make.Tune in to learn more!Meet our guest:Our episode guest is Mark Basch, a seasoned business journalist with decades of experience covering publicly traded companies. He provides insights on economics, business trends, manufacturing, real estate, and unemployment, drawing from data releases and press statements.Five things you'll learn from this episode:1. Consequences of companies mishandling bad news2. Best practices for publicly traded companies to work effectively with journalists3. Why preparation and anticipation are key to effective media interactions4. Why understanding media evolution is critical for PR5. The difference between embargoes and advance news, and how to use them strategically Quotables“When something is happening, it's a good idea to preemptively get together with the key people and have a response ready because one of the things that could happen in today's world is the story is going to be posted online and nobody is ready to respond.” — Mark Basch“Clever is great, but it better be accurate.” — Mark Basch“The headline … is designed to get you to read the story but also should tell you what the story is.” — Mark Basch“If you want to make this newsworthy, if you want to get media coverage about your company, its success and its growth, we've got to have credible indicators of how quickly you are growing.” — Jason Mudd“Always prepare, always assume the worst, and have proper preparations.” — Jason Mudd“Have a plan, but have a plan in case the plan fails of what you're going to do secondarily.” — Jason MuddIf you enjoyed this episode, please take a moment to share it with a colleague or friend. You may also support us through Buy Me a Coffee or by leaving us a quick podcast review.More about Mark BaschMark Basch is a seasoned business journalist who's covered publicly traded companies for decades. His reporting focuses on economics, business trends, manufacturing, real estate, and unemployment, drawing regularly from data releases and press statements.Guest's contact info and resources:Mark Basch on LinkedInAdditional resources:The best and worst media relations efforts from public relations professionalsHow to speak with clarity and authority during a crisis11 crisis management tactics to avoid or prepare for a PR disasterThe 4 R's of media relatSupport the show On Top of PR is produced by Axia Public Relations, named by Forbes as one of America's Best PR Agencies. Axia is an expert PR firm for national brands. On Top of PR is sponsored by ReviewMaxer, the platform for monitoring, improving, and promoting online customer reviews.

This week, Jason is joined by content creator, entrepreneur, and one of the most authentic and impactful voices in fashion, Remi Bader! From her viral realistic hauls that changed how millions think about clothing to launching her own size inclusive fashion line Edited by Remi Bader at Sam's Club, she has proven the power of authenticity and advocacy. Her collection was so successful, it expanded from a hundred stores to 200 and has continued that mission by building her own brand Fangirl. Remy has redefined what it means to merge influence with impact, showing how social media power can spark lasting change in the fashion industry. Remi Bader dives into the unconventional path that led her from PR and marketing to becoming one of the most recognizable names in fashion and content creation. She opens up about getting fired early in her career, why she initially thought fashion wasn't her space, and how creating videos during one of her lowest points unexpectedly launched her online success. Remi shares the full-circle moment of landing on Forbes 30 Under 30, how she spent all her early income on Uber and food delivery, and her resistance to being labeled an influencer. She details how UTA convinced her to go full-time into content creation, her days working as a fit model, and the whirlwind of balancing viral fame with mental health. Remi reflects on building her career completely on her own, the importance of never burning bridges, and how LinkedIn played a surprising role in her growth. She also gets candid about her collaboration with her dad (and why she'll never do business with family again), staying true to her values regardless of body size, prioritizing health, setting boundaries, and the story behind her brand, Fangirl. Remi reveals all this and so much more in another episode you can't afford to miss! Host: Jason Tartick Co-Host: David Arduin Audio: John Gurney Guest: Remi Bader Stay connected with the Trading Secrets Podcast!  Instagram: @tradingsecretspodcast  Youtube: Trading Secrets Facebook: Join the Group  All Access: Free 30-Day Trial  Trading Secrets Steals & Deals! Function Health:  Most people only think about their immune system after they get sick. But your body gives you signals long before the first cough or fever shows up. That's where Function comes in. With access to testing for over 100 biomarkers, you can better understand how your immune system is really doing — before you start feeling run down. Visit www.functionhealth.com/TRADINGSECRETS or use gift code TRADINGSECRETS100 at sign up to own your health. Square: Whether you're selling lattes, cutting hair, detailing cars, or running a design studio, Square helps you run your business, without running yourself into the ground. With Square, you get all the tools to run your business, with none of the contracts or complexity. And why wait? For up to $200 off Square hardware head to square.com/go/tradingsecrets  Momentous: Creatine isn't just for building muscle it has become a daily essential for your strength, focus, recovery, aging, and cognitive performance. Momentous doesn't follow trends-they perfect the fundamentals. This is chewable creatine done right. For  35% off your first order with promo code TRADINGSECRETS visit livemomentous.com  Booking.com: If your vacation rental isn't listed on Booking.com, it could be invisible to millions of travelers searching the platform. Don't miss out on consistent bookings and global reach. Head over to Booking.com and start your listing today. Get Seen. Get Booked on Booking.com

Unexpressed gratitude is perceived as ingratitude. In this episode, Andy Stanley and co-host Suzy Gray unpack one of the most overlooked leadership habits—expressing gratitude. Most leaders feel thankful for their teams but fail to say it out loud. And when we don’t express gratitude, people don’t assume we’re busy—they assume we’re ungrateful. But appreciation builds loyalty, strengthens culture, and fuels motivation far more effectively than paychecks or perks ever could. Download the application guide: https://bit.ly/3X4iQc4 Here is what they cover in this episode: The future-focus of leaders (1:40) How gratitude has a ripple effect (5:52) What unexpressed gratitude communicates (14:00) Three Habits for Expressing Gratitude (15:24) Practical Ways to Start Building a Rhythm of Gratitude (19:21) Special thanks to our sponsor BELAY for offering a free download of their 40 hour CEO Work Week Guide. It includes goal setting, tools, templates, and an ideal work week builder. Just text the word ANDY to 55123 to claim your free guide now. Recognized as one of Forbes' 6 Leadership Podcasts To Listen To In 2024 and one of the Best Leadership Podcasts To Stay in the Know for CEOs, according to Industry Leaders Magazine. If this podcast has made you a better leader, you can help it by leaving a quick Spotify or Apple Podcasts review. You can visit Spotify or Apple Podcasts, and then go to the “Reviews” section. Thank you for sharing! ____________ Where to find Andy: Instagram: @andy_stanley Facebook: Andy Stanley Official X: @andystanley YouTube: @AndyStanleyOfficial See omnystudio.com/listener for privacy information.

Register here to attend the live virtual event "How to Scale Your Portfolio, with Tenanted Cash Flowing, New Construction Properties" on Thursday, November 13th at 8pm Eastern. Keith introduces a profound life perspective: humans are typically allotted only 30,000 days. What will you do with the days you have left? Every moment not spent building wealth is a moment lost forever. Adam Schroeder, a real estate investment strategist, joins the conversation to talk about current opportunities with new build properties with significant builder incentives and the potential for high appreciation. Resources: Switch to listening to the podcast on the Apple Podcasts or Spotify app, as the dedicated GRE mobile app will be discontinued at the end of the month. Show Notes: GetRichEducation.com/578 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Keith Weinhold  0:01   Keith, welcome to GRE. I'm your host. Keith Weinhold, the real estate market is slow when this happens in a cycle. What does it mean to a real estate investor? What type of return can you really expect today? I'll tell you exactly, and you'll be surprised. Learn more about new build properties and why investors often prefer DSCR loans over conventional loans today on get rich education,   Keith Weinhold  0:28   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:13   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:29   Welcome to GRE I'm your host. Keith Weinhold, yes, America's favorite shaved mammal on a microphone is back with you for another wealth building week. Just the talking primate that's heavily mortgaged here. I'm also a landlord still waiting for a security deposit from back in 2018   Keith Weinhold  1:51   Hmm, oh, I'm so into self deprecation today that I forgot about the place names hitting you, from Dover, Delaware to   Keith Weinhold  2:01   Andover, Massachusetts and across 188 nations worldwide, you're listening to get rich education. There's a realization that can sharpen your investor focus when you think about the fact that, in a sense, how little time you are allotted in your life. It's something that I've thought about more. You're only given about 30,000 days. That's the typical lifespan of a human being, and that goes for both shaved mammals and others. Well, you've already spent 1000s of your 30,000. The question is, what are you doing with the rest? At some point, people understand or they better that they need to go out on a limb. There are people less qualified than you living the life you want to live simply because they chose to believe in themselves, and really, that's the moment everything shifts. belief. It's not a feeling. It is a decision backed by action. Too many people learn this lesson the hard way. They discover, often too late, that relying on one income stream is the most dangerous financial plan of all. A job can vanish. Federal Workers found that out amidst a government shutdown, a business model can change. AI can intrude. A paycheck can stop. But when you own assets that pay you month after month, no matter what you're doing, you slowly begin to untether yourself and move toward freedom. And here's the truth about pain and money. Poor and middle class households work for money, so to them, that's why every dollar spent feels like a little loss. It can even hurt, and that is why they hesitate even on opportunities that could change everything. The wealthy, on the other hand, own assets that pay them, so therefore every dollar spent feels like a seed, because it grows when you own enough income property, you can move away from constantly asking yourself, can I afford this? And start asking, What will this investment earn me? Over time, this mindset shift changes everything at that time when other people's money starts working for you, not the other way around.    Keith Weinhold  4:45   And here's the thought experiment I use, take the hourglass of your life and flip it, watch the sand fall. That's time, 30,000 hours, 30,000 grains. That is. Is time the one resource that you cannot get more of. So every day you delay prudently investing the sand does not pause. It just keeps flowing. But you can choose how that time compounds the sand that's left over and hasn't fallen through the neck of the hourglass. Yet that is your opportunity to build multiple income streams from real estate, from ownership and from leverage, it is your chance to replace anxiety with well autonomy. Every family with generational wealth can trace it back to one person, one risk taker who decided to stop trading hours for dollars. They believed in ownership and control. They believed in themselves. They acted before the sand ran out. If you've already started real estate investing, well, then you've already begun to break that cycle. If you've done it for a time, you're going to have more time, more income and more options than you had before. That is worth celebrating and scaling, because the best time to start was yesterday, and the next best time is before the next grain of sand hits the bottom.    Keith Weinhold  6:22   Later today, I'll talk about taking this sentiment and moving it towards something very specific and actionable. Now, in this era, the real estate market is slow. That is in terms of transaction volume, there just aren't as many sales. Sometimes this whole thing feels more sluggish than Jabba the Hutt after Thanksgiving dinner.   Keith Weinhold  6:49   5 million is a typical number of existing homes sold every year in the US. 5 million. That's normal. That's baseline during the pandemic frenzy. It reached over 6 million, and now it's about 4 million. That's why I say that housing transaction volume has slowed, and appreciation is only about 2% that's below historic norms, and rent growth is like barely doing push ups. It's two to 3% in single family homes volume now it has picked up a little here lately with lower mortgage rates, and so have home prices. Redfin now tells us that home price appreciation is 3% but most outlets say 2% some analysts that are more optimistic than me call today's housing market healthy. They don't call it slow. And why is that? Well, it's the healthiest it's been since covid, because now you have a good balance of buyers and sellers. The real estate market isn't so miserably deprived of inventory like it was back in 2022 in 2023 but I am going to go with slow now, as you know, I coined the phrase real estate pays five ways back in 2015   Keith Weinhold  8:09   But how exactly does that hold up in today's slow transaction market? Could an income property buyer's return even be disappointing now? Well, let's do it. Let's determine what you can expect if you purchase an investment property here in these slow market conditions, we'll determine your total rate of return in year one. And you know, this will be sort of like dating someone that's not the first date, but to really get to know them, to know if they're potential spouse material. You want to see them at their worst and be sure that they look good on their bad days. So let's just be conservative and use 2% home price appreciation. Say that you buy a 200k single family rental. Now a 20% down payment means 40k down. Sellers are willing to give you concessions now, say that they're going to pay your closing costs, because the 200k that you're paying is their full asking price, so it's your terms and their price. Well, say that you don't get any cash flow. The rent only covers the expenses exactly. Okay, so we're really painting on a not so pretty picture. Here, it would seem. Here we go, in a slow market, the first of five ways you're paid is that erstwhile appreciation. Your property only appreciates 2% from 200k up to 204k not so exciting, until, of course, as we know around here, you realize that your return is your gain on your skin in the game, your 4k gain divided by your 40k down payment gives you a 10% ROI. There it is leverage. Didn't just show up. It brought donuts. 10% just from the first of five ways you're paid. The second way is cash flow. Say that rent minus your 160k mortgage payment here and your operating expenses, that merely breaks even, like I was saying. So 0% additional return from cash flow. And before we add on numbers three, four and five to get your total rate of return in a slow market, let's take a moment to check on Jabba. How's Jabba doing? No, Jabba still hasn't gotten up from that heavy Thanksgiving dinner. It's still a slow market. We've confirmed that we're going to continue   Keith Weinhold  10:41   the third way you're paid, as any GRE listener knows by now, is with that ROA return on amortization, also known as principal pay down with a 7% mortgage rate in your 160k loan on this property, an amortization table shows you 1625 bucks a tenant made principal pay down. Divide that by your 40k down again, that is another 4% return. All right, so you add that to your 10% from leverage depreciation, and you've now got 14%   Keith Weinhold  11:17   next is your tax benefit. It's a 150k structure value, not the full 200k because raw land can't be depreciated. Multiply that by 3.6% depreciation, that means you've tax sheltered 5400 bucks. That is like a phantom loss that you get to show the IRS. Just a little more math here, and this is as far as you have to stretch it, in visualizing numbers in an audio format at a 24% income tax rate. That is 1296 saved on 40k down again, another 3% for you, and your running total is a 17% ROI before we get to the last one, which is inflation profiting, not inflation hedging, which almost everyone mistakenly says in real estate investing, it is inflation profiting.    Keith Weinhold  12:13   Your 160k loan gets eaten by 4800 bucks at a 3% inflation rate, divided by 40k down. And you know, inflation is usually the villain. Now it is the hero. You've got another 12% from inflation profiting. And here's the sum in this slow market, your total year one rate of return is 29%   Keith Weinhold  12:43   and you're like, my gosh, did that really just happen? Now you might want to skip back on some parts of that to help make it crystallize in your mind. I've got to tell you before I ran these numbers in this slow market with this 2% appreciation and even assuming zero cash flow, I thought your total rate of return would be in the low 20s, not this high, not 29%   Keith Weinhold  13:09   the numbers don't lie. They just don't get enough attention on CNBC.   Keith Weinhold  13:16   Now I did use shorthand and simplify. You would also have to adjust your 29% for inflation, just like you do for any investment. So then about a 26% inflation adjusted return for you. Wow. And if you want to know more about what I just used shorthand on, you can always watch the five videos on the five ways real estate pays for free at getricheducation.com/course that's get richeducation.com/course, the most valuable video course you'll ever see on real estate investing, but a huge investor lesson here, an epiphany today, is that it does not take a high growth market to build wealth. Even when it seems like real estate's half asleep, it can still work five jobs for you, we could be near the nadir of the cycle here.    Keith Weinhold  14:16   Appreciation has picked up in recent months, with mortgage rates being lower than they've been in a while, but even when appreciation and rent growth slows now, you can see that the ROA tax benefit and inflation profiting just keep working overtime. The bottom line here is that income property still pays a lofty 29% if you buy today, even in a slow market, and this is at a time when investors, a lot of them, don't know what to do with their money, since every market type seems to be near an all time high, and people don't want to buy in at those high levels, and savings accounts pay you less than a gumball machine, owning investment property proves its resilience. I mean, this is why we do this. It's kind of like stocks can party with a surge in an upcycle, and then they can bust and boom and bust and boom. But all the while, instead of partying, real estate just keeps its head down and works the night shift for you, your wealth quietly compounds in the background while the rest of the world panics or debates interest rates on LinkedIn or something.    Keith Weinhold  15:33   All right. Well, with that in mind, where can we take advantage of that real estate return and expect to do even better with it, even if the market did stay slow. Well, builders have unsold inventory in places like Texas and Florida, like I mentioned before, and to a lesser extent, in parts of the West as well, but the prices are too high out in the west for a cash flow investor. So today, you can buy at a discount in a way that you absolutely could not during the height of the pandemic.    Keith Weinhold  16:06   A guest and I are going to talk about a specific opportunity in today's market, and then how you can exploit it. The National Association of Homebuilders has even noticed that home flippers have switched gears, and increasingly, what flippers are doing is instead buying new build properties and then renting them out, because new builds have lower upkeep costs come with a lower mortgage rate because the builder is buying it down for you, they have lower insurance and they attract a better quality tenant that stays longer, even if the HVAC did break. That's okay, because new build homes often come with a warranty. The smart money knows that new build is where the opportunity is today. That's something that I've discussed for a while here, but today we're getting more actionable. CNBC let us know that the CJ Petra company reports that investors now make up the highest share of Homebuilders in five years. And you'll recall that we've had CJ Patrick, company founder, Rick sharga, on the show a lot with me here the past few years. Some say that the smart money is waking up again. I don't know investor activity is steady, but it's not really that much. It only seems like a lot because the wannabe owner, occupant, buyer has been priced out. So it's better to say that investor activity has been steady. Investors bought fully 1/3 of single family homes this past summer, and that is up from 27% in q1 I'll discuss that more soon.    Keith Weinhold  17:44   Hey, you know one thing that makes GRE different is that our show sponsors are here to supplement and benefit your specific investor activity. And another thing is that I use them myself. Thank God we are not here to tell you about pneumococcal pneumonia or your moderate to severe plaque, psoriasis. I don't even know what that stuff means. Freedom, family investments and Ridge lending group. I very know what they're about. I'm a satisfied client with each of them myself. So listen in.    Keith Weinhold  18:21   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom, family investments.com/gre, or send a text. Now it's 1937795898, 377958989, yep, text their freedom coach directly. Again, 1-937-795-8989,   Keith Weinhold  19:32   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group NMLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President Caeli Ridge personally while it's on your mind, start at Ridgelendinggroup.Com, that's Ridge lending group.com   Kathy Fettke  20:05   this is the real wealth network's Kathy betke, and you are listening to the always valuable get rich education with Keith Weinhold.   Keith Weinhold  20:14   I'd like to welcome in a new guest to the show. He is a real estate investment strategist that's been working in the media industry since 2001 and throughout the career, he's held the title of a local news reporter, podcast host and producer for nationally syndicated companies like NPR. He's been in real estate nearly 20 years. Adam Schroeder, welcome to the show.    Adam Schroeder  20:48   Thanks for having me on. I really appreciate it.    Keith Weinhold  20:50   Yeah, I'm looking for your read on today's real estate market, just the general landscape overall, because Adam, I've shared that national transaction volume is down about 25% appreciation is still there, although it's been slow. Rents are just steady. We do, however, still have this supply that is down among entry level homes, something a lot of media articles broad brushstroke and don't understand, and really it's still a valid question to ask, even today. Is there any better risk adjusted return than income property that's bought, right? So what are your thoughts on the overall real estate investing landscape?   Adam Schroeder  21:30    Yeah, overall real estate investing, it's kind of like what you said, entry level housing. I remember I saw a heat map. This was probably five or six this was pre covid. It was maybe even seven or eight years ago. It was a heat map that showed, like, new construction, home pricing, and, you know, there was like 500,000 and up. Was just this massive chunk. And then there was all these ones, ones that were under about 300,000 it was around, like six or 8% or something like that. It was really, really small. If you look around, it hasn't gotten bigger. And so the question of inventory and availability and pricing, they're never going to talk about it on the national media, because there is no entry level home in Chicago, in New York, in LA, you're not going to find that. I mean, you're paying 200 grand for a doghouse in the backyard, if you're there. And so we are finding the entry level housing, but I think right now, an oversupply of inventory in some of these markets is a very good opportunity for people. If you're buying for with the right fundamentals, if you're buying in an area that's growing and has good long term, you know, 8,10, 15 year diagnostics. Then if you're buying now with builder incentives and all of that, yeah, your year one, year two, year three. Appreciation may not be the greatest because of that oversupply, but if you look at what's happening now with construction starts in a lot of places, builders have gotten scared off. They're not really starting them now. So if you're buying new now, in 2,3,4, years, all of the inventory will be sucked up, and there won't be new homes coming to the market. So you're going to be one of those people who has one of the newest homes in the area, more people are going to want to be getting in. And so your appreciation and rent growth is much more likely to be growing. So that's one of the things I love to look at, is I look at what new home starts, what happened in the past, what was oversupplied, but now, who's what cities aren't building. And if I know what cities aren't building, then I can compare it to, okay, well, you know, there are some cities in California that aren't building anything I'm not going to buy in California, but there are some cities in Minnesota, in Oklahoma, you know, in Texas, where they're not building anymore. And if it's landlord friendly and can cash flow and all of that, Sign me up. I'm bullish on parts of this, of the United States real estate market, not the whole United States real estate market.    Keith Weinhold  23:55   It's been pretty well documented that parts of the nation are overbuilt. However, especially in Florida and Texas. And I brought up the point months ago Adam that if you buy, say, a new build income property in temporarily overbuilt pockets today, five years from now, looking back five years onto today, you could be like, Yeah, I bought five years ago, when some areas were actually overbuilt, and I snagged a deal, and the builder was even giving me incentives like my rate at that time, because, you know, long term, the demand is going to be there and that the absorption is going to be there. So it's about knowing what's happening and then identifying the right time in that cycle. In today's environment, some feel that DSCR loans are a better option for investors, and what that means a debt service coverage ratio loan is that you qualify for the loan not with your personal income, but instead with the property's income. Do you see more investors employing dscrs?    Adam Schroeder  24:55   We see a ton for a really good reason. That is simply put, especially if you're utilizing these builder incentives, buy down rates on DSCR frequently outperform ones with conventional like some of the lenders we're working with. I look and let's say you're putting 4% I looked at it this morning with an investor with 4% of purchase price towards your loan on a DSCR loan, you're down to 5.49% on a DSCR, but conventional, you're at 5.75 that doesn't happen for the most part. It's just something that right now, the risk profile of investors is allowing the rates to be either at or better than conventional many times. Plus, people love to put their properties in LLCs for protection, and they'll worry with conventional, oh, what if a due on sale clause gets triggered, even though it's really hard to trigger that, if you worry about it, well, why not just get a loan that's equal or better than a conventional that doesn't go on your you know, debt to income and can go straight into the LLC to begin with, and then your hands are clean the whole way through, and you're not having to worry about transferring titling. Honestly, my wife is about to murder me because I have some properties that were meant to go into an LLC two years ago that are not currently in an LLC.   Keith Weinhold  26:17   Well, hopefully you'll live until the end of this interview. Tell us more about DSCR loans, and maybe some that, no you talked about the upside, maybe some red flags and some things to look out for, times when we would not want to employ that loan type.    Adam Schroeder  26:30   A lot of it with the DSCR you're looking at like you said, they're not evaluating you necessarily. Now you do have to show reserves. You do have to show that the property will perform on its own. But sometimes full doc loans with conventional can be the way to go, because, like I said, in the past, it used to be that DSCR loans were three quarters of a percent, or a full percent higher than the DSCR. Or, yeah, DSCR was higher than the conventional. And so if you could get a four and a half with a conventional versus a five and a half on a DSCR. It's well worth the extra paperwork that might come with doing it to save yourself that money and really build up your cash flow. We are just in a very awkward time of investing, where the investors for DSCR loans, the people who are buying those mortgages, are not the same people who are buying the Fannie Mae Freddie Mac secondary loan market, and so they just have different risk profiles, which allows the rates to be different. So that's really the big thing. Is, if you've still got your Fannie Freddie slots, it's worth talking to your lender and saying, what would it look like if I did this loan? What would it look like if I did that loan? Where am I? But when it's all said and done, if you're really close or equal, I would almost always skew towards the DSCR to protect myself, go straight into an entity and keep it off of my debt to income ratio, plus on dscrs. You also have the option, and we don't recommend this for every property or even for certain people, depending on risk profile, but you have the option to do an interest only loan with 20 or 25% down, which allows you to do kind of what we call cash flow management, where people get worried about interest only loans and say, Well, I'm not building equity. I'm not doing this, not doing that. Well, you're not, but you're also, you can still put principle towards your loan every month, right? Like a principal loan, maybe you're throwing 200 bucks a month, a principal towards that. Well, with an interest only loan, you can still put that $200 in. But what it means is, if there's a month where maybe you have some repairs that need to be done, or something like that, don't pay the principal and on the interest only, you're still okay on a principal and interest. If you can't pay that, if you just pay all the interest, they're still going to say, well, Keith, you're late on your loan, right? And so it gives you a little bit more flexibility, but it's not for everyone. It's not for every property, so definitely talk with lenders about that. But conventional loans don't offer that. DSCR loans can.    Keith Weinhold  28:53   There's always opportunity in every real estate market. It's just identifying what those are and then ethically exploiting the opportunity. So we're talking about buying in areas that are temporarily overbuilt utilizing DSCR loans. And another advantage in this market, which is an aberration, is the fact that new build properties, like few times in history, if any, actually cost less than renovated existing properties.    Adam Schroeder  29:20   Yeah. I mean, when you can get into, you know, an A class neighborhood with 80% owner occupied, 90% owner occupied, and you're getting in for way less than the median cost of a home in the US. You mean, you're getting in for, I mean, we've got new builds in the 220 range on some of them up to 400 you know, which is still below the median cost. Yeah, that's really good. If you're looking to get into any a class neighborhood, or even B plus neighborhood, finding a property that's 200 $250,000 in those areas is tough. It's just tough. And so especially because as pricing went up for everything with inflation, you know you can't do. Do a cheap rehab anymore. If you're going to do a good rehab, you can't do a cheap rehab. I talk to our teams all the time and tell me, Hey, I did, you know, I only spent $70,000 to renovate this property and like that is a lot of money. I know you're getting it out whenever you do the burn, you know, or sell to an investor, but still a lot of money to put in to get there.    Keith Weinhold  30:20   Well, then let's talk about identifying possible growth markets for long term investing success. New build properties tend to appreciate better than rehab properties. And you know what's funny, Adam, I was just sharing this with my audience on a recent episode. I largely disagree with this long time investing axiom in real estate that says appreciation is just icing on the cake. I think I know what they're saying that doesn't help you out on a month by month basis, but we're in real estate investing for the long term and long term, more of your returns typically come from leveraged appreciation than they do on the cash on cash return from cash flow. So to me, appreciation is not just icing on the cake. In a lot of cases, it is the cake. And really, that's something that new build can offer more of.    Adam Schroeder  31:09   Yeah, I mean, it's almost in, especially in today's market, it's almost like cash flow is the icing on the cake. You know, you can get a property that, you know, is in that really good area, like we're talking about, and is, maybe it's appreciated a little bit now, but it's very likely to appreciate a lot later. If you're only making, if you factor everything in maintenance, vacancy, all of that, and you're making $100 a month, that's solid, you know, if you look at it, and if you're in those areas, if you appreciate 5% on a $300,000 property, let me tell you this, you're not going to make $15,000 in cash flow that year on that property. So if you look at the people who are really retiring on cash flow, are usually the people who have 100 200 300 doors or something like that, and they play the law of large numbers. I don't want to play the law of large numbers personally, I want to have really good quality assets and have fewer of them, and really work on having positive cash flow, but having the equity growth that allows me to pull money out tax free and either buy more investments or utilize how I want in my life.    Keith Weinhold  32:16   Exactly. If your property cash flow is $100 a month and it's a single family home. Some people say, Oh, that's awful. You would need 100 of them just to get 10k pass it per month. Now you're thinking wrong, and you're oversimplifying it like to your point, with the 300k home and 5% appreciation, that's 15k in one year, you're building equity that can be borrowed against, tax free, and you're building up that lump sum cash flow windfall down the road, if you will, in real estate pays five ways and cash flow matters, but it's only one of five profit centers and all that. So yes, we're so aligned on that one, appreciation is not just the icing on the cake, it's substantially more than that. Well, I've got something to announce. Adam here is going to co host, along with our own longtime investment coach, Naresh, an upcoming live virtual event. And it's called how to scale your portfolio with tenanted cash flowing new construction properties. And it aligns in every way with the trends that we've been talking about and that Adam and I have been identifying here. The event takes place next week. But first, tell us more about what you and the ray shall be speaking about at the event there. Adam.   Adam Schroeder  33:29    one of the biggest concerns people have about real estate, and one of the things that can eat in your cash flow more than anything, is vacancy. I mean, vacancy can kill your deal whenever it's all said and done, because it's one thing, if you're, you know, break even or $100 a month positive cash flow. But whenever you've got a vacant property and you're negative $1,500 a month, that can hurt, that can hit the wallet. And so what we really love, if you can hit it, is a tenanted property that's new and is in a growing area, yeah, and we've got that thankfully. I mean, we've been able to work some really good relationships with national builders that have allowed us to get into they were doing a lease to purchase option with tenants who wanted to buy their property but didn't have it saved up, and these people didn't exercise their option, but they've renewed their lease so you can come in and buy a property that has them in place. It is a house that they wanted to buy. So how long are they likely to stay? Probably quite a while. They like the school district, they like the neighborhood. They like everything about it. You're coming in, you've got the builder incentives we talked about before, and you're just in a positive cash flow position already. Now we're in Texas, which I was actually funny enough. Earlier, right before this interview, I was reading about the states that are going to grow the most, projected until 2050 and they expect Texas to grow by nearly 9 million people between now and believe it was 2050    Keith Weinhold  34:55   everyone's asking, when is it going to pass? California is the most populous state in the nation.    Adam Schroeder  35:01   Well, it depends how many people. In California are part of that 9 billion we've gotten quite a few of them there. As somebody who lives in Texas, and we're in the big cities too. We're not in the Podunk Texas towns you think about in, you know, east or west Texas. We're talking Houston, Dallas and San Antonio, which are three of the top, I believe, 15 largest cities in the country. We're getting some really good incentives. You can get up to right now, 10% builder incentive. So a $300,000 house, you have $30,000 that you can use. That's massive. Yeah, you can get that money back after closing. We can buy your rate down. And we have some people who have literally taken the whole 10% and put it towards a fixed 30 rate at four and a quarter percent. Wow, they are locking themselves in at four and a quarter. Or we have some people who say, like, we were just talking about cash flow is not a concern for me. I'm going to take half my down payment back, and I'm going to go buy another property, because I'm only in this property for 10% now, and so they're able to be, you know, roughly break even in a good growing area, and they can acquire a second property. So you're buying two properties without mortgage insurance for essentially a 30% total down payment, and you're getting your 10% back if you buy the second property. So it's just really incredible time. Like you said, we haven't seen a time like this before. We were able to get into the wholesale division of these builders and provide these incentives that I've personally never seen before. Some of our reps are buying these homes themselves, so we're putting our money where our mouth is. It's just a great time, especially like you were saying, these homes the inventory, take advantage of the opportunity, right? And there's an opportunity that's presenting itself. And if you look at the long term demographics of Houston, Dallas and San Antonio. It's an arrow pointed up. That's what those areas are.    Keith Weinhold  36:46   100% I mean, it's almost as predictable as anything. There's never a guarantee, but continued population growth and obvious need for housing there is about as close as you can get. That's massive. 10% back, 380k purchase, $38,000 back at the closing table to use in discount point buy downs completely or half on discount point buy downs and half to pocket and use on another property or use on your next vacation or whatever you want to do. That's massive.    Adam Schroeder  37:18   Yeah, it's fantastic. One thing I forgot to mention about Houston. It's one of the things I love that people don't think about has the third most headquarters of fortune 500 companies in the country, behind New York and Chicago. So people don't think about that when they think of Houston. But I love to throw that out there, because it's there. I love Houston. I lived there for seven years. It's where I met Naresh, actually, and would happily move back there again   Keith Weinhold  37:42   right? Houston has moved so far past the monolith of just having oil be the economic driver. So we're talking about tenanted new construction properties in pretty hot markets, Houston, San Antonio and Dallas ready for you to purchase with that 10% builder incentive. And these are in communities that are primarily owner occupied, so they do have that high appreciation potential and that potential for solid rent growth. So on the live event, the webinar that you are invited to attend from the comfort of your own home, what you can do is just learn more about this overall strategy and why the time in the market is right for this. Learn more about those geographic markets themselves and then their drivers, and even see available new build income property. And the benefit of you attending a live is that you can have any of your questions answered right then and there. You can sign up at grewebinars.com, and Adam, before I ask you if you have any last thoughts, that event is next week. It is Thursday, November 13, at 8pm eastern time again, you can sign up. It is free. Space is limited, so that's something that you want to do now at grewebinars.com, any last thoughts? Adam   Adam Schroeder  38:51   yeah, I will just remind people there's always a reason to buy real estate, and there's always there's always a reason not to buy real estate, and depending on which one you subscribe to, you can always find those opportunities, or you can scare yourself off. So, you know, find the right opportunities that are there for you and your investing style and jump in. Because if you look at what's happening right now. When rates start coming down, owner ox are going to jump back in, and that tends to lead to prices going back up. Like Keith said, these are 85% owner occupied areas, and you're setting yourself up for success. And if you do it now, you can always refi later if rates come plummeting down right so find the right areas. Find the reasons to buy and go for it.    Keith Weinhold  39:41   This is a time when builders are really willing to give you a break. Take advantage of it if you possibly can. Adam, it's been great having you here on the show, and our audience looks forward to seeing more of you next week.   Keith Weinhold  40:00   Yeah, some real potential here. I'm rather excited for your future as a listener next week, investors like DSCR loans, since the qualification looks at the property, not you, and see conventional loans are more for owner occupants. They're fine. They work for investors too. But with dscrs, besides their other advantages, they're a check on making sure your property is profitable. It is just your rent divided by your debt service. That's all it is. So for example, with a $1,000 rent and a piti payment, principal, interest, taxes and insurance payment of 800 bucks. Well, then your DSCR is 1.25 Investors love them because there's no personal income verification, no W twos, tax returns, pay stubs. There's no debt to income ratio bar for you to have to clear also conventional loans often cap you at 10 financed properties, and DSCR loans have no such limit, so there's faster underwriting and easier approval. But with dscrs, look out. I mean, there could be some higher fees, and you might have a three to five year prepayment penalty. But buy and hold investors often keep the property that long anyway, so grow your income streams with dscrs, even when the w2 world says no. And notably, dscrs have absolutely nothing to do with job of the hut either. No sluggy concerns there   Keith Weinhold  41:42   if you've wanted a deal on a property today, here you are with these new build incentives that are really good, better than what most builders are giving looks like. Here's your chance. One reason that the builders are giving us a deal is because of the bulk of GRE buyers. This is for you, if you might want one property or 14 properties load up with these up to 10% builder incentives, or just attend the webinar and learn more. We got into the wholesale division of these builders. We got them right where we want them. The properties are typically already tenanted. So plant your flag in the ground, and call this the pivot point. This whole thing could be a bigger deal than the first man to walk on Mars. We'll see, though, no man has walked on Mars yet, but you don't need to wait that long. Take one of your 30,000 days that you've been gifted in this life of yours, the 30,000 days you've been allotted on this earth to win back some of your future finite time. It is next week, Thursday, the 13th, at 8pm Eastern. It's also GRE last event of the year, your last chance, a live, virtual event where you can attend from the comfort of your own home or anywhere. And it's free. Registration is open now. Sign up at gre webinars.com that's gre webinars.com Until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Unknown Speaker  43:17   Nothing on this show should be considered specific, personal or professional advice, please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively you   Keith Weinhold  43:45   The preceding program was brought to you by your home for wealth building, getricheducation.com

What if the air you breathe — in your home, office, or your child's school — is silently draining your energy, disrupting your sleep, messing with your hormones, and making your kids sick?Today, I sit down with Mike Feldstein, founder of Jaspr and leading expert in air quality & environmental health. Mike has spent years in wildfire remediation, disaster response, and toxic‑home investigations. And what he discovered will completely change how you look at your home… and the air you breathe daily.As a mom and health nerd, this one blew my mind — and changed the way I protect my family. This isn't about fear — this is about empowerment, awareness, and reclaiming your health one breath at a time.What you'll get out of this episode… Why “kids getting sick all the time” is NOT normalThe shocking truth about indoor vs outdoor airHow modern homes were built wrong for our bodiesThe simple home fixes that protect your health and energyWhy air quality is the new frontier in wellness & longevityCan indoor plants clean your air?Connect with MikeWEB / https://jaspr.co/brave Get $400 off your Jaspr using code BRAVEIG / https://www.instagram.com/mike.feldsteinIG / https://www.instagram.com/jasprcoLearn more about Kindling Academy / https://kindling.academy This Episode Is Sponsored by Health NagFeeling bloated, sluggish, or just off? It might be time for a reset. I love Health Nag's 3-Day Detox Kit — a gentle, doctor-recommended cleanse with fiber, probiotics, and greens to support digestion, boost energy, and help you feel lighter + clearer fast. Reset your system at https://neetabhushan.com/healthnag and use code BRAVETABLE for 10% off.Want more?Feeling the holiday chaos creeping in? Give yourself a moment to pause with Chai Tonics — Ayurvedic superfood chai blends made for busy women who crave calm, focus, and nervous-system support in one nourishing cup. Just add hot water, sip slow, reset. Head over to https://bit.ly/trychaitonics and use code BRAVETABLE for 20% off. Your nervous system will thank you.

Claude Silver is the Chief Heart Officer at VaynerX and partners with CEO Gary Vaynerchuk to drive their success. Claude has earned Campaign US's Female Frontier Award and AdWeek's Changing the Game Award and is a sought after speaker at companies including Meta, Google, US Government agencies, and the US Armed Forces. She has been featured in The New York Times, Forbes, and The Wall Street Journal, and she is the author of the book, “Be Yourself at Work.” I hope you enjoy learning from Claude Silver today. In this episode we discuss the following: Claude repeatedly found herself in unhealthy, codependent relationships, and it wasn't until  her brother told her that she was living in a pretty prison, followed by a therapist insisting she attend Codependents Anonymous, that Claude began to understand the pattern: she was losing herself by centering her identity around others. Through six years in Codependence Anonymous, Claude learned some powerful lessons: Empathy needs boundaries. You can't change others—only yourself. We each have the agency to steer our own life. It's okay to take up space and be big in the room. We don't have to shrink so someone else can feel better.

Co-parenting with someone who parents in a totally different way can feel overwhelming, especially when you're trying to protect your kids and you don't have control over what happens in the other home. Susan Guthrie welcomes back Laila Aitken Ali, co-founder of Split FYI and creator of the Raising Resilient Kids Through Divorce Masterclass, to talk about what you can control and how to stay steady when things get tough. Laila explains why the goal isn't trying to make your kids “happy” all the time but helping them build real resilience. And even if you are the only calm, grounded parent in the mix, that is more powerful than you think. As Laila puts it, your peace is your child's safety plan. You'll hear simple scripts, mindset shifts, and nervous-system-friendly ways to stay anchored so you can support your kids without getting pulled into chaos, stress, or power struggles. What You'll Discover in This Episode You can't control the other parent, but you can control the emotional world your kids experience in your home How practicing DEEP allows you to take a pause and avoid being pulled into chaos The best way to protect your kids is to protect your own nervous system Shadow work matters. Notice stories you tell yourself, question old beliefs, and lead from your empowered self More About Our Special Guest Laila Aitken Ali: Laila Aitken Ali, The Split Coach, is a Certified Divorce Coach®, Accredited Mediator, and Co-Founder of Split.fyi, a platform supporting people through divorce, co-parenting, and life transitions. After navigating her own divorce while pregnant, Laila committed to helping others move through separation with clarity, strategy, and confidence. She specializes in guiding parents to break old patterns and build healthier dynamics post-divorce. Laila also teaches co-parenting strategy at the Certified Divorce Coach (CDC) program, equipping new coaches with practical tools. Website and Links: SplitFYI.com Raising Resilient Kids Through Divorce Masterclass and other events: https://splitfyi.com/events/ - D&B Listeners, use code SPLIT10 for a special listener discount  TheSplitCoach.com Why You Need to Stop Calling Your Ex a Narcissist with Laila Aitken, Founder of Split.fyi on Divorce & Beyond Social Media: http://instagram.com/thesplitcoach http://instagram.com/splitfyi https://www.linkedin.com/in/lailaaitken/ ===================== Take the Most of Your Listening Experience: If this episode resonates with you, be sure to: Subscribe to Divorce & Beyond so you never miss an episode. Share this episode with friends or loved ones who need hope and healing. Leave a 5-star review to help us reach even more listeners. Follow Us Online: Divorce & Beyond:  https://divorceandbeyondpod.com, IG: @divorceandbeyondpod Meet Our Host Susan E. Guthrie®, Esq. is one of the nation's leading family law and mediation experts, with more than 35 years of experience helping individuals and families navigate divorce and conflict with clarity and compassion. She is the Immediate Past Chair of the American Bar Association Section of Dispute Resolution, a best-selling author, and a sought-after speaker, trainer, and practice-building consultant. Susan recently appeared as the featured expert on The Oprah Podcast, where she shared her insights on gray divorce and the changing landscape of relationships. Her expertise has also been featured in The Wall Street Journal, Forbes, The Washington Post, NewsNation, and NBC's Chicago Today, among many others. As the creator and host of the award-winning Divorce & Beyond® Podcast, ranked in the top 1% of all podcasts worldwide with more than 3.4 million downloads, Susan brings together top experts and powerful personal stories to help listeners move through divorce and beyond with confidence, insight, and hope. Learn more about Susan and her work at susaneguthrie.com. Divorce & Beyond is a Top 1% Overall and Top 100 Self-Help podcast designed to help you with all you need to know to navigate your divorce journey and most importantly, to thrive in your beautiful beyond!   ***************************************************************************** SPECIAL OFFER FROM BLUE MERCURY! Treat yourself to luxury skincare, makeup, and fragrance favorites from Blue Mercury, your destination for beauty and self-care. Divorce & Beyond listeners receive 15% off their first order when they use the special link in the show notes. Because you deserve to look and feel your best,  inside and out. You must use this link to receive the 15% off on your first Blue Mercury order: https://divorcebeyond.com/Blue-Mercury ***************************************************************************** Opportunities for Expert Guests and Fellow Podcasters   Partner with Divorce & Beyond Whether you're a podcaster looking to expand your reach or an expert ready to share your insights, Divorce & Beyond offers the perfect platform to amplify your voice.  Find out more here: https://divorceandbeyondpod.com/guest-opportunities ***************************************************************************** DISCLAIMER:  THE COMMENTARY AND OPINIONS AVAILABLE ON THIS PODCAST ARE FOR INFORMATIONAL AND ENTERTAINMENT PURPOSES ONLY AND NOT FOR THE PURPOSE OF PROVIDING LEGAL ADVICE.  YOU SHOULD CONTACT AN ATTORNEY IN YOUR STATE TO OBTAIN LEGAL ADVICE WITH RESPECT TO ANY PARTICULAR ISSUE OR PROBLEM.

Stacey Brown Randall is the author of the new book, The Referable Client Experience, and the multiple award-winning book, Generating Business Referrals Without Asking. She is also the host of the Roadmap to Referrals podcast. Stacey teaches business owners how to generate referrals naturally...without manipulating, incentivizing or even asking. She has been featured in national publications like Entrepreneur magazine, Investor Business Daily, Forbes, and more. She received her master's in organizational communication and is married with three kids.

Bright Suns! In this episode, we dive deep into the financials of the Disney-era films, discussing the Forbes report on the box office profits for The Force Awakens, Rogue One, The Last Jedi, Solo, and The Rise of Skywalker. Prepare for some surprising numbers and a classic tangent comparing those returns to the Prequel-era movies! We're also talking about the internet buzz surrounding the shelved Ben Solo movie, The Hunt for Ben Solo. Add that to the list of RIP Star Wars... Hear our take on Adam Driver's recent comments, why Disney turned down the script, and the eternal question: should dead characters stay dead? Plus, we catch you up about Twin Sun Film Foundation (the minds behind the Bucket Heads fan series) to discuss their new platform, twinsunfilm.org, and their exciting slate of upcoming fan films for the next few years, including The Void, Gonk, and Nightfall!   Finally, get all the details on how YOU can get involved in our huge 400th episode: a Star Wars Fantasy Draft Game Show Night! Darian, our gamemaker and co-host for Episode #400 explains the rules, the character categories (Pilot, Force User, Droid and Alien), the ultimate objective (breaking into Palpatine's Vault on Pillio), and how your votes can decide the winning team! Thanks for coming along for the ride. Leave us a comment or a 5-star review, it always helps. Subscribe on YouTube, and we'll see you for Episode 400! --- Go check out Twin Sun Film Foundation! https://twinsunfilm.org/en-cad Go check out The ManDarian on YouTube! https://www.youtube.com/@TheManDarian EMAIL US YOUR QUESTIONS! ———————————————————————— Have you checked out our flashcast called Star Wars Launch Pad? https://www.youtube.com/@SWLaunchPad https://open.spotify.com/show/1v0naAAJZMW0nig3OkFToJ?si=8014aef1647f4da5 Found on any platform in the galaxy! ———————————————————————— Star Wars Escape Pod

#płatnawspółpraca | W poniedziałek w #OnetRANO przywita się Odeta Moro, której gośćmi będą: Magdalena Biejat, wicemarszałkini Senatu; Dominik Kuc, fundacja GrowSpace; Maja Lewandowska, fundacja GrowSpace; Konrad Sadurski, Forbes; Dezydery, wokalista. W części #OnetRanoWIEM gościem Marcina Zawady będzie prof. Przemysław Sadura, socjolog.

The audio recording of this conversation was compromised and you may need to adjust volume settings for certain portions of the recording. We are deeply sorry for the inconvenience. Dr. Yasmeen Abu Fraiha is a medical doctor with a specialty in internal medicine, currently completing a clinical fellowship in critical care at Beth Israel Deaconess Medical Center in Boston, combined with a research fellowship at the Middle East Initiative at Harvard Kennedy School. Her research focuses on healthcare policy and politics that create inequality in health services and outcomes for underserved communities.  She formerly served as the Health Policy Director at the Task Force for Health Promotion and Equity in the Arab Society at the Israeli Ministry of Health, leading major efforts and interventions to deal with health disparities between Jews and Arabs in Israel.   She co-founded two NGOs that promote socio-economic development of the Bedouin community in Israel, while focusing on health, education, women's employment, housing and community empowerment. She has won several awards, including the 2007 Ramon Award for quality, leadership, and excellence and was chosen to be part of Forbes' “30 Under 30” list. In 2023, she was named one of Israel's 50 most influential women by Globes Magazine.  Yasmeen holds a BSc and MD from the Hebrew University of Jerusalem, and an MPA from Harvard Kennedy School.

Send us a text✅ Subscribe now for more episodesMPF Discussion with Dr. Mary Poffenroth The Science of Doing Scary Things: Overcoming Fear & Building Courage with Dr. Mary Poffenroth   About Mary Dr. Mary Poffenroth, a neurohacking biopsychologist, fear/courage expert, and award winning author of Brave New You: Strategies, Tools, and Neurohacks to Live More Courageously Every Day (Hachette, 2024, awards here), who TIME Magazine recently said gave them “life changing revelations” with her work. Mary has also been featured in Forbes, the Wall Street Journal, Entrepreneur, SUCCESS, and Fast Company (all her print/TV/podcasts). Her workshops, keynotes, and elite retreats have been enjoyed by organizations like TED, GoogleX, Britannica, and the senior executives at Walmart.   The Science of Doing Scary Things: Overcoming Fear & Building CourageIn this episode of My Perfect Failure, I'm joined by Dr. Mary Poffenroth, a biopsychologist, courage researcher, and author of Brave New You, to explore the science of fear and how to build real courage.Mary explains how to use her RAIN Method (Recognize, Assign, Identify, Navigate) to manage stress, anxiety, and fear—transforming everyday worries into opportunities for growth.If you've ever faced fear of failure, fear of change, or self-doubt, you'll discover practical tools and neuroscience-backed techniques to move forward with confidence.  

Explosive growth in AI investments is fueling Wall Street's biggest rally in years. Forbes' expert contributors explore whether investors are riding a rising wave or risking an AI wipeout. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Bestie, today's episode is giving body-ody-honesty. This week we're joined by size inclusivity advocate, Forbes 30 Under 30 creator, and Founder of Fan Girl by Remi, Remi Bader. She dives into the reality of the body positivity movement and how it feels to evolve when it feels like everyone's watching (& judging). Plus, we're answering your questions about body confidence, breakups, why your 30's are your glow up era and why the “perfect outfit” is overrated - but a good tailor never is. Follow: @remibader Buy Fan Girl by Remi: https://a.co/d/0njKDgr Follow Kamie @kamiecrawford on TikTok and Relationshit @relationshit on IG for more, besties. Watch on YouTube at youtube.com/@relationshitpod and of course, follow the show on Spotify, Apple, YouTube, or wherever you get your podcasts! Learn more about your ad choices. Visit megaphone.fm/adchoices

On Today's Episode –Hello again everyone…today we welcome back Bonner Cohen who is going to talk to us about Climate issues and the Supreme Court. But first, Mark tells us how we could fix the healthcare issues in about a weekend. Our FDA is an armed enforcement bureau for big pharma.We then hop into Dr. Cohen's topic…great stuff.Tune in for all the Fun Topic-https://www.cfact.org/2025/09/26/supreme-court-must-halt-states-climate-shakedowns/ Bonner R. Cohen is a senior policy analyst with the Committee for a Constructive Tomorrow, where he concentrates on energy, natural resources, and international relations. He also serves as a senior policy adviser with the Heartland Institute, senior fellow at the National Center for Public Policy Research, and as adjunct scholar at the Competitive Enterprise Institute. Articles by Dr. Cohen have appeared in the Wall Street Journal, Forbes, Investor's Business Daily, New York Post, Washington Times, National Review, Philadelphia Inquirer, Detroit News, Atlanta Journal-Constitution, Miami Herald, and dozens of other newspapers in the U.S. and Canada. He has been interviewed on Fox News, CNN, Fox Business Channel, BBC, BBC Worldwide Television, NBC, NPR, N 24 (German language news channel), Voice of Russia, and scores of radio stations in the U.S. Dr. Cohen has testified before the U.S. Senate committees on Energy & Natural Resources and Environment & Public Works as well as the U.S. House committees on Natural Resources and Judiciary. He has spoken at conferences in the United States, United Kingdom, Germany, and Bangladesh. Dr. Cohen is the author of two books, The Green Wave: Environmentalism and its Consequences (Washington: Capital Research Center, 2006) and Marshall, Mao und Chiang: Die amerikanischen Vermittlungsbemuehungen im chinesischen Buergerkrieg (Marshall, Mao and Chiang: The American Mediations Effort in the Chinese Civil War) (Munich: Tuduv Verlag, 1984). Dr. Cohen received his B.A. from the University of Georgia and his Ph.D. – summa cum laude – from the University of Munich.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Steve Forbes shares his unvarnished reaction to Fed Chair Jerome Powell's press briefing on Wednesday, calling out Powell's comments about a possible December rate cut and slamming the institution for remaining wedded to the false idea that prosperity causes inflation.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

A faux controversy has broken out in Vancouver, WA after a former city councilmember dressed up as an ICE agent at a Halloween party that the mayor attended. A property owner in Seattle’s Little Saigon neighborhood is suing the city for its soft-on-crime policies. // House Speaker Mike Johnson says the Democrats’ insistence on continuing the shutdown is putting the American people’s health and safety at risk. Chicago Mayor Brandon Johnson says that the Trump Administration is “throwing black babies into the back of vans.” // According to Forbes, Washington is home to the best employer in the world.

In this Live Greatly 2 minutes of motivation podcast episode Kristel Bauer shares 3 tips to support being more authentic in the workplace.  Tune in now! Explore Having Kristel Bauer speak at your next event or team meeting. https://www.livegreatly.co/contact  Order Kristel's Book  Work-Life Tango: Finding Happiness, Harmony and Peak Performance Wherever You Work (John Murray Business, November 19th 2024) About the Host of the Live Greatly podcast, Kristel Bauer: Kristel Bauer is a corporate wellness and performance expert, keynote speaker and TEDx speaker supporting organizations and individuals on their journeys for more happiness and success. She is the author of Work-Life Tango: Finding Happiness, Harmony, and Peak Performance Wherever You Work (John Murray Business November 19, 2024). With Kristel's healthcare background, she provides data driven actionable strategies to leverage happiness and high-power habits to drive growth mindsets, peak performance, profitability, well-being and a culture of excellence. Kristel's keynotes provide insights to "Live Greatly" while promoting leadership development and team building.   Kristel is the creator and host of her global top self-improvement podcast, Live Greatly. She is a contributing writer for Entrepreneur, and she is an influencer in the business and wellness space having been recognized as a Top 10 Social Media Influencer of 2021 in Forbes. As an Integrative Medicine Fellow & Physician Assistant having practiced clinically in Integrative Psychiatry, Kristel has a unique perspective into attaining a mindset for more happiness and success. Kristel has presented to groups from the American Gas Association, Bank of America, bp, Commercial Metals Company, General Mills, Northwestern University, Santander Bank and many more. Kristel has been featured in Forbes, Forest & Bluff Magazine, Authority Magazine & Podcast Magazine and she has appeared on ABC 7 Chicago, WGN Daytime Chicago, Fox 4's WDAF-TV's Great Day KC, and Ticker News. Kristel lives in the Fort Lauderdale, Florida area and she can be booked for speaking engagements worldwide. To Book Kristel as a speaker for your next event, click here. Website: www.livegreatly.co  Buy Kristel Bauer's book, Work-Life Tango: Finding Happiness, Harmony and Peak Performance Wherever You Work (John Murray Business, November 19th 2024) Follow Kristel Bauer on: Instagram: @livegreatly_co  LinkedIn: Kristel Bauer Twitter: @livegreatly_co Facebook: @livegreatly.co Youtube: Live Greatly, Kristel Bauer To Watch Kristel Bauer's TEDx talk of Redefining Work/Life Balance in a COVID-19 World click here. Click HERE to check out Kristel's corporate wellness and leadership blog Click HERE to check out Kristel's Travel and Wellness Blog Disclaimer: The contents of this podcast are intended for informational and educational purposes only. Always seek the guidance of your physician for any recommendations specific to you or for any questions regarding your specific health, your sleep patterns changes to diet and exercise, or any medical conditions.  Always consult your physician before starting any supplements or new lifestyle programs. All information, views and statements shared on the Live Greatly podcast are purely the opinions of the authors, and are not medical advice or treatment recommendations.  They have not been evaluated by the food and drug administration.  Opinions of guests are their own and Kristel Bauer & this podcast does not endorse or accept responsibility for statements made by guests.  Neither Kristel Bauer nor this podcast takes responsibility for possible health consequences of a person or persons following the information in this educational content.  Always consult your physician for recommendations specific to you.

Strong bones do more than prevent fractures; they help you stay active, confident, and energized no matter your age. I caught up with Kevin Ellis, aka the Bone Coach, a Forbes-featured integrative health coach who's helped thousands of people worldwide improve their bone health through his Stronger Bones Solution. We talk about what your bone density scores really mean, the difference between bone quality and bone density, and practical steps you can take today to strengthen your bones. Kevin also shares simple nutrition tips, supplements like vitamin D3, K2, and collagen, plus safe exercises that fit your lifestyle.   If you've ever worried about osteopenia or osteoporosis, Kevin's personal story and guidance make it feel manageable and even empowering. From resistance training to balance exercises, he explains small, actionable ways to protect your bones while setting up a healthy foundation for future generations.   And while you're taking care of your bones, don't forget your daily boost with Mighty Maca Plus, packed with 30+ superfoods that even my three-year-old loves. For women wanting to feel vibrant and confident, Julva cream is a gentle, natural way to support intimate wellness. Visit dranna.com to try them today.   Key Timestamps: [00:00:00] Introduction. [00:01:01] Bone health and osteoporosis. [00:06:32] Osteopenia: precursor to osteoporosis. [00:08:49] Bone density and quality assessment. [00:11:12] Advice for osteopenia and osteoporosis. [00:16:15] Nutrients for bone health. [00:18:26] Bisphosphonates and bone health. [00:23:09] Bone turnover markers importance and testing. [00:34:34] High bone turnover osteoporosis. [00:35:58] Hormones and bone health markers. [00:40:01] Importance of resistance training. [00:44:38] Young male osteoporosis experience. [00:46:04] Osteoporosis and bone health solutions. [00:49:17] Health advocacy and personal growth.   Memorable Quotes: "Bone density shows you the past. Bone turnover shows you the future." [00:23:48] – Kevin Ellis "I feel like we're in a position where we can really move this space forward in a positive direction and help people be a little bit more predictive than reactive." [00:31:04] – Kevin Ellis   Links Mentioned: Mighty Maca Plus: https://drannacabeca.com/products/mighty-maca Julva Cream: http://dranna.com/summeroflove Bone Coach (Use code DRANNA): https://bonecoach.com/   Healthy Bones Co. (Use code DRANNA): https://healthybonesco.com/   Osteo IQ (Use code DRANNA): https://osteoiq.com/   Connect with Kevin Ellis: Website: https://bonecoach.com/ Instagram: https://www.instagram.com/bonecoachkevin Facebook: https://www.facebook.com/bonecoach LinkedIn: https://www.linkedin.com/in/bonecoach TikTok: https://www.tiktok.com/@bonecoach YouTube: https://www.youtube.com/bonecoach Pinterest: https://www.pinterest.com/bonecoach Podcast: https://podcasts.apple.com/us/podcast/the-bone-coach-osteoporosis-bone-health-podcast/id1483975147   Connect with Dr. Anna Cabeca: Website: https://drannacabeca.com/pages/show Instagram: https://www.instagram.com/thegirlfrienddoctor/ YouTube: https://www.youtube.com/@thegirlfrienddoctor TikTok: https://www.tiktok.com/@drannacabeca   Produced by Evolved Podcasting: www.evolvedpodcasting.com

From Wall Street to Main Street, the latest on the markets and what it means for your money. Updated regularly on weekdays, featuring CNBC expert analysis and sound from top business newsmakers. Anchored and reported by CNBC's Jessica Ettinger. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

President of Eurasia Group Ian Bremmer joined Brittany Lewis on "Forbes Newsroom" to discuss what position the United States is in both domestically and internationally about 9 months into President Trump's second term. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Na jare se klagtes het werk aan Walvisbaai se verslete paaie in 2024 begin, deur direkte verkryging. Volgens die burgemeester, Trevino Forbes, was daar spekulasie dat daar korrupsie in die proses was. Forbes het onlangs in 'n potgooi van die IPC die kwessie aangespreek.

Na festival jedině s hotovostí v kapse? Zapomeňte. Česká festivalová scéna se v posledních letech hodně změnila. Skoro lze mluvit o malé revoluci. Proč čipy a mobilní aplikace nahrazují drobné mince a pomačkané bankovky? A není to pouze zbytečná komplikace, která každého jen otravuje? O tématu bezhotovostních plateb na hudebních festivalech si povídali Radomil Štumpa z organizačního týmu ostravského festivalu elektronické hudby Beats for Love a člen představenstva ČSOB Martin Jarolím.

My conversation with Ophira starts at about 41 minutes after headlines and clips Subscribe and Watch Interviews LIVE : On YOUTUBE.com/StandUpWithPete ON SubstackStandUpWithPete Stand Up is a daily podcast. I book,host,edit, post and promote new episodes with brilliant guests every day. This show is Ad free and fully supported by listeners like you! Please subscribe now for as little as 5$ and gain access to a community of over 750 awesome, curious, kind, funny, brilliant, generous soul Ophira Eisenberg is a Canadian-born standup comedian, writer, and host. She hosted NPR's comedy trivia show Ask Me Another for 9-years, where she interviewed and played silly games with hundreds of celebrities including Sir Patrick Stewart, Awkwafina, Rosie Perez, Yo-Yo Ma, Bob The Drag Queen, Nick Kroll, Chelsea Handler, Jim Gaffigan, Michael C. Hall, and so many others. As a comic and a parent to a 6-year-old, Ophira is the host of the new comedy podcast Parenting Is A Joke co-produced by iHeart Radio and Pretty Good Friends Productions. The show launches on October 18th. She can be seen live, regularly headlining across the United States, Canada, and Europe delivering her unique blend of standup and storytelling to a loyal fan base of smart, irreverent comedy lovers. She has appeared at Montreal's Just for Laughs Festival, The New Yorker Festival, The New York Comedy Festival, Moontower Comedy Festival, Bumbershoot, The Nantucket Film Festival, Women in Comedy Festival and more. Her new comedy album at special Plant-Based Jokes is available on iTunes and is streaming now on YouTube. Lauded as "hilarious, high risk, and an inspiration," Ophira filmed her comedy special Inside Joke, when she was 8½ months pregnant. The show's material revolves around how she told everyone that she was never going to have kids, and then unexpectedly found herself expecting at "an advanced maternal age." Her other comedy albums, Bangs! and As Is She has appeared on Comedy Central, This Week at The Comedy Cellar, Kevin Hart's LOL Network, HBO's Girls, Gotham Live, The Late Late Show, The Today Show, and VH-1. The New York Times called her a skilled comedian and storyteller with "bleakly stylish" humor. She was also selected as one of New York Magazine's "Top 10 Comics that Funny People Find Funny," and hailed by Forbes.com as one of the most engaging comics working today. Ophira is a regular host and teller with The Moth and her stories have been featured on The Moth Radio Hour and in two of The Moth's best-selling collections, including the most recent New York Times Bestseller: How To Tell A Story: The Essential Guide to Memorable Storytelling from The Moth. Ophira's first book, Screw Everyone: Sleeping My Way to Monogamy (Seal Press), is a comedic memoir about her experiments in the field as a single woman, traveling from futon to futon and flask-to-flask, gathering data, hoping to put it all together and build her own perfect Frankenmate. It was optioned for a feature film. She is also sought after as a brilliant interviewer and moderator, and has interviewed dozens of celebrities, writers, and actors including Neil Gaiman at New York's Town Hall; Jane Curtain, Anne Beatts, Heather Gardner, Sudi Green, Alysia Reiner, Jeanne Tripplehorn, David Crane, Jeffrey Klerik at The Nantucket Film Festival; Eugene Levy, Catherine O'Hara, Daniel Levy and Annie Murphy at the 92nd Street Y; and Nell Scovell and Sloane Crosley at The Mark Twain House. Originally from Calgary, Alberta, Canada, Ophira graduated with a Cultural Anthropology and Theater degree from McGill University. She now lives in Brooklyn, NY where she is a fixture at New York City's comedy clubs including the Comedy Cellar, Gotham Comedy Club, New York Comedy Club and Carolines, as well as Brooklyn's famed performance venues The Bell House, Union Hall, and Littlefield. She resides with her husband and son where she can regularly be seen drinking a ton of coffee. Pete on Blue Sky Pete on Threads Pete on Tik Tok Pete on YouTube Pete on Twitter Pete On Instagram Pete Personal FB page Stand Up with Pete FB page Gift a Subscription https://www.patreon.com/PeteDominick/gift Send Pete $ Directly on Venmo All things Jon Carroll Buy Ava's Art Subscribe to Piano Tuner Paul Paul Wesley on Substack Listen to Barry and Abigail Hummel Podcast Listen to Matty C Podcast and Substack Follow and Support Pete Coe Hire DJ Monzyk to build your website or help you with Marketing

My conversation with Ophira starts at about 41 minutes after headlines and clips Subscribe and Watch Interviews LIVE : On YOUTUBE.com/StandUpWithPete ON SubstackStandUpWithPete Stand Up is a daily podcast. I book,host,edit, post and promote new episodes with brilliant guests every day. This show is Ad free and fully supported by listeners like you! Please subscribe now for as little as 5$ and gain access to a community of over 750 awesome, curious, kind, funny, brilliant, generous soul Ophira Eisenberg is a Canadian-born standup comedian, writer, and host. She hosted NPR's comedy trivia show Ask Me Another for 9-years, where she interviewed and played silly games with hundreds of celebrities including Sir Patrick Stewart, Awkwafina, Rosie Perez, Yo-Yo Ma, Bob The Drag Queen, Nick Kroll, Chelsea Handler, Jim Gaffigan, Michael C. Hall, and so many others. As a comic and a parent to a 6-year-old, Ophira is the host of the new comedy podcast Parenting Is A Joke co-produced by iHeart Radio and Pretty Good Friends Productions. The show launches on October 18th. She can be seen live, regularly headlining across the United States, Canada, and Europe delivering her unique blend of standup and storytelling to a loyal fan base of smart, irreverent comedy lovers. She has appeared at Montreal's Just for Laughs Festival, The New Yorker Festival, The New York Comedy Festival, Moontower Comedy Festival, Bumbershoot, The Nantucket Film Festival, Women in Comedy Festival and more. Her new comedy album at special Plant-Based Jokes is available on iTunes and is streaming now on YouTube. Lauded as "hilarious, high risk, and an inspiration," Ophira filmed her comedy special Inside Joke, when she was 8½ months pregnant. The show's material revolves around how she told everyone that she was never going to have kids, and then unexpectedly found herself expecting at "an advanced maternal age." Her other comedy albums, Bangs! and As Is She has appeared on Comedy Central, This Week at The Comedy Cellar, Kevin Hart's LOL Network, HBO's Girls, Gotham Live, The Late Late Show, The Today Show, and VH-1. The New York Times called her a skilled comedian and storyteller with "bleakly stylish" humor. She was also selected as one of New York Magazine's "Top 10 Comics that Funny People Find Funny," and hailed by Forbes.com as one of the most engaging comics working today. Ophira is a regular host and teller with The Moth and her stories have been featured on The Moth Radio Hour and in two of The Moth's best-selling collections, including the most recent New York Times Bestseller: How To Tell A Story: The Essential Guide to Memorable Storytelling from The Moth. Ophira's first book, Screw Everyone: Sleeping My Way to Monogamy (Seal Press), is a comedic memoir about her experiments in the field as a single woman, traveling from futon to futon and flask-to-flask, gathering data, hoping to put it all together and build her own perfect Frankenmate. It was optioned for a feature film. She is also sought after as a brilliant interviewer and moderator, and has interviewed dozens of celebrities, writers, and actors including Neil Gaiman at New York's Town Hall; Jane Curtain, Anne Beatts, Heather Gardner, Sudi Green, Alysia Reiner, Jeanne Tripplehorn, David Crane, Jeffrey Klerik at The Nantucket Film Festival; Eugene Levy, Catherine O'Hara, Daniel Levy and Annie Murphy at the 92nd Street Y; and Nell Scovell and Sloane Crosley at The Mark Twain House. Originally from Calgary, Alberta, Canada, Ophira graduated with a Cultural Anthropology and Theater degree from McGill University. She now lives in Brooklyn, NY where she is a fixture at New York City's comedy clubs including the Comedy Cellar, Gotham Comedy Club, New York Comedy Club and Carolines, as well as Brooklyn's famed performance venues The Bell House, Union Hall, and Littlefield. She resides with her husband and son where she can regularly be seen drinking a ton of coffee. Pete on Blue Sky Pete on Threads Pete on Tik Tok Pete on YouTube Pete on Twitter Pete On Instagram Pete Personal FB page Stand Up with Pete FB page Gift a Subscription https://www.patreon.com/PeteDominick/gift Send Pete $ Directly on Venmo All things Jon Carroll Buy Ava's Art Subscribe to Piano Tuner Paul Paul Wesley on Substack Listen to Barry and Abigail Hummel Podcast Listen to Matty C Podcast and Substack Follow and Support Pete Coe Hire DJ Monzyk to build your website or help you with Marketing

Steve Forbes responds to the election victory for Argentinian President Javier Milei's party by pointing out that now world leaders have to finally understand the nature of inflation, and solve it before it leads to more social and economic destruction.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this encore episode of the No Labels, No Limits Podcast, host Sarah Boxx chats with Ryan Foland — a high-energy speaker, branding consultant, and 4-time TEDx speaker known for his authentic approach to personal and professional storytelling.Ryan's 3-1-3® Method helps leaders and organizations simplify their message, clarify their brand, and connect with audiences through genuine communication. As the co-author of the award-winning book Ditch the Act, Ryan teaches professionals how to stand out and build influence by embracing — not hiding — their humanity.Featured in Forbes, Fortune, Inc., and Entrepreneur, Ryan has mastered the art of blending strategy with authenticity. In this conversation, he shares how being real and imperfect can make you more relatable, trusted, and successful — both online and off.(Note: Any resources, giveaways, or links mentioned in this rebroadcast may no longer be active.)Key Topics:Why authenticity is your most powerful branding toolThe story behind Ryan's book Ditch the ActHow to define your personal brand and communicate it clearlyThe 3-1-3® Method for simplifying your messageTurning vulnerability into a competitive advantageHow to stay focused on your big dreams and goals every dayKey Quote: “People connect with people — not perfection. The more real you are, the stronger your brand becomes.”Connect with Ryan Foland:Website: https://ryanfoland.comLinkedIn: https://www.linkedin.com/in/ryanfoland/Instagram: https://www.instagram.com/ryanfoland/#Twitter/X: https://x.com/ryanfolandConnect with Sarah Boxx:Website: https://sarahboxx.com/Facebook: https://www.facebook.com/strategicvisioncoach/Instagram: https://www.instagram.com/sarahboxxllc/X: https://x.com/i/flow/login?redirect_after_login=%2FSarahBoxxLinkedIn: https://www.linkedin.com/in/sarahboxxsherpa/Check out our sister show, the Nonprofit Podcast, where we dive into strategies for nonprofit leaders and change agents driving real community impact. Tune in wherever you get your podcasts!⁩https://shows.acast.com/nonprofits-today

Cherylanne Skolnicki is the trusted advisor ambitious women want in their corner. A former Procter & Gamble marketing executive turned entrepreneur, she has now taught thousands of women how to make brave choices so they can play bigger at work and at home, without burning out. As the Founder of Brilliant Balance and host of the top-rated Brilliant Balance podcast, Cherylanne offers a fresh perspective to women in business, medicine, law, science, entertainment, and academia. Her work has been featured on NBC, ABC, and CBS, and in Forbes, Working Mother, and The Huffington Post. With her Brave and Bold programs, and a signature framework called the Brilliant Balance Way, she is helping women redefine what it means to have it all. Click here to learn more about Cherylanne's Brave community. Cherylanne lives in Cincinnati with her husband of 25 years and their three teen children.

This year marked the steepest retreat to foreign assistance in recent memory, and the human cost is staggering. Global needs are growing more complex under the weight of today's crises, while the aid system—built for a different era—is facing unprecedented disruption.  Yet, this moment of upheaval may be the catalyst needed for meaningful humanitarian reform. Innovation is no longer optional; it's the driving force behind resilience, adaptability, mobilizing new funding and creating pathways to progress. From reimagining delivery models to forging unconventional philanthropic partnerships, the future of aid demands transformation we cannot afford to miss and one that brings glimmers of hope.  Named to the 2025 Forbes 50 Over 50, Save the Children U.S. President & CEO Janti Soeripto is navigating the funding crisis with a bold philosophy: respond, rebound, reform. In this exclusive Commonwealth Club World Affairs of California discussion, Janti joins fellow leaders tackling this urgent question: Where do we go from here, and how do we unlock innovative financing to drive shared progress? An International Relations Member-led Forum program. Forums at the Club are organized and run by volunteer programmers who are members of The Commonwealth Club, and they cover a diverse range of topics. Learn more about our Forums. Organizer: Frank Price  Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to Original Jurisdiction, the latest legal publication by me, David Lat. You can learn more about Original Jurisdiction by reading its About page, and you can email me at davidlat@substack.com. This is a reader-supported publication; you can subscribe by clicking here.Yesterday, Southern California Edison (SCE), the utility whose power lines may have started the devastating Eaton Fire, announced its Wildfire Recovery Compensation Program. Under the program, people affected by the fire can receive hundreds of thousands or even millions of dollars in compensation, in a matter of months rather than years—but in exchange, they must give up their right to sue.It should come as no surprise that SCE, in designing the program, sought the help of Kenneth Feinberg. For more than 40 years, often in the wake of tragedy or disaster, Feinberg has helped mediate and resolve seemingly intractable crises. He's most well-known for how he and his colleague Camille Biros designed and administered the September 11th Victim Compensation Fund. But he has worked on many other headline-making matters over the years, including the Agent Orange product liability litigation, the Deepwater Horizon Oil Spill Trust, the multidistrict litigation involving Monsanto's Roundup weed killer—and now, of course, the Eaton Fire.How did Ken develop such a fascinating and unique practice? What is the most difficult aspect of administering these giant compensation funds? Do these funds represent the wave of the future, as an alternative to (increasingly expensive) litigation? Having just turned 80, does he have any plans to retire?Last week, I had the pleasure of interviewing Ken—the day after his 80th birthday—and we covered all these topics. The result is what I found to be one of the most moving conversations I've ever had on this podcast.Thanks to Ken Feinberg for joining me—and, of course, for his many years of service as America's go-to mediator in times of crisis.Show Notes:* Kenneth Feinberg bio, Wikipedia* Kenneth Feinberg profile, Chambers and Partners* L.A. Fire Victims Face a Choice, by Jill Cowan for The New York TimesPrefer reading to listening? For paid subscribers, a transcript of the entire episode appears below.Sponsored by:NexFirm helps Biglaw attorneys become founding partners. To learn more about how NexFirm can help you launch your firm, call 212-292-1000 or email careerdevelopment@nexfirm.com.Three quick notes about this transcript. First, it has been cleaned up from the audio in ways that don't alter substance—e.g., by deleting verbal filler or adding a word here or there to clarify meaning. Second, my interviewee has not reviewed this transcript, and any errors are mine. Third, because of length constraints, this newsletter may be truncated in email; to view the entire post, simply click on “View entire message” in your email app.David Lat: Welcome to the Original Jurisdiction podcast. I'm your host, David Lat, author of a Substack newsletter about law and the legal profession also named Original Jurisdiction, which you can read and subscribe to at davidlat.substack.com. You're listening to the eighty-fourth episode of this podcast, recorded on Friday, October 24.Thanks to this podcast's sponsor, NexFirm. NexFirm helps Biglaw attorneys become founding partners. To learn more about how NexFirm can help you launch your firm, call 212-292-1000 or email careerdevelopment@nexfirm.com. Want to know who the guest will be for the next Original Jurisdiction podcast? Follow NexFirm on LinkedIn for a preview.I like to think that I've produced some good podcast episodes over the past three-plus years, but I feel that this latest one is a standout. I'm hard-pressed to think of an interview that was more emotionally affecting to me than what you're about to hear.Kenneth Feinberg is a leading figure in the world of mediation and alternative dispute resolution. He is most well-known for having served as special master of the U.S. government's September 11th Victim Compensation Fund—and for me, as someone who was in New York City on September 11, I found his discussion of that work profoundly moving. But he has handled many major matters over the years, such as the Agent Orange product liability litigation to the BP Deepwater Horizon Disaster Victim Compensation Fund. And he's working right now on a matter that's in the headlines: the California wildfires. Ken has been hired by Southern California Edison to help design a compensation program for victims of the 2025 Eaton fire. Ken has written about his fascinating work in two books: What Is Life Worth?: The Unprecedented Effort to Compensate the Victims of 9/11 and Who Gets What: Fair Compensation after Tragedy and Financial Upheaval. Without further ado, here's my conversation with Ken Feinberg.Ken, thank you so much for joining me.Ken Feinberg: Thank you very much; it's an honor to be here.DL: We are recording this shortly after your 80th birthday, so happy birthday!KF: Thank you very much.DL: Let's go back to your birth; let's start at the beginning. You grew up in Massachusetts, I believe.KF: That's right: Brockton, Massachusetts, about 20 miles south of Boston.DL: Your parents weren't lawyers. Tell us about what they did.KF: My parents were blue-collar workers from Massachusetts, second-generation immigrants. My father ran a wholesale tire distributorship, my mother was a bookkeeper, and we grew up in the 1940s and ‘50s, even the early ‘60s, in a town where there was great optimism, a very vibrant Jewish community, three different synagogues, a very optimistic time in American history—post-World War II, pre-Vietnam, and a time when communitarianism, working together to advance the collective good, was a prominent characteristic of Brockton, and most of the country, during the time that I was in elementary school and high school in Brockton.DL: Did the time in which you grow up shape or influence your decision to go into law?KF: Yes. More than law—the time growing up had a great impact on my decision to give back to the community from which I came. You've got to remember, when I was a teenager, the president of the United States was John F. Kennedy, and I'll never forget because it had a tremendous impact on me—President Kennedy reminding everybody that public service is a noble undertaking, government is not a dirty word, and especially his famous quote (or one of his many quotes), “Every individual can make a difference.” I never forgot that, and it had a personal impact on me and has had an impact on me throughout my life. [Ed. note: The quotation generally attributed to JFK is, “One person can make a difference, and everyone should try.” Whether he actually said these exact words is unclear, but it's certainly consistent with many other sentiments he expressed throughout his life.]DL: When you went to college at the University of Massachusetts Amherst, what did you study?KF: I studied history and political science. I was very interested in how individuals over the centuries change history, the theory of historians that great individuals articulate history and drive it in a certain direction—for good, like President Kennedy or Abraham Lincoln or George Washington, or for ill, like Adolf Hitler or Mussolini. And so it was history that I really delved into in my undergraduate years.DL: What led you then to turn to law school?KF: I always enjoyed acting on the stage—theater, comedies, musicals, dramas—and at the University of Massachusetts, I did quite a bit of that. In my senior year, I anticipated going to drama school at Yale, or some other academic master's program in theater. My father gave me very good advice. He said, “Ken, most actors end up waiting on restaurant tables in Manhattan, waiting for a big break that never comes. Why don't you turn your skills on the stage to a career in the courtroom, in litigation, talking to juries and convincing judges?” That was very sound advice from my father, and I ended up attending NYU Law School and having a career in the law.DL: Yes—and you recount that story in your book, and I just love that. It's really interesting to hear what parents think of our careers. But anyway, you did very well in law school, you were on the law review, and then your first job out of law school was something that we might expect out of someone who did well in law school.KF: Yes. I was a law clerk to the chief judge of New York State, Stanley Fuld, a very famous state jurist, and he had his chambers in New York City. For one week, every six or seven weeks, we would go to the state capitol in Albany to hear cases, and it was Judge Fuld who was my transition from law school to the practice of law.DL: I view clerking as a form of government service—and then you continued in service after that.KF: That's right. Remembering what my father had suggested, I then turned my attention to the courtroom and became an assistant United States attorney, a federal prosecutor, in New York City. I served as a prosecutor and as a trial lawyer for a little over three years. And then I had a wonderful opportunity to go to work for Senator Ted Kennedy on the Senate Judiciary Committee in Washington and stayed with him for about five years.DL: You talk about this also in your books—you worked on a pretty diverse range of issues for the senator, right?KF: That's right. For the first three years I worked on his staff on the Senate Judiciary Committee, with some excellent colleagues—soon-to-be Supreme Court justice Stephen Breyer was with me, noted litigator David Boies was in the office—and for the first three years, it was law-related issues. Then in 1978, Senator Kennedy asked me to be his chief of staff, and once I went over and became his chief of staff, the issues of course mushroomed. He was running for president, so there were issues of education, health, international relations—a wide diversity of issues, very broad-based.DL: I recall that you didn't love the chief of staff's duties.KF: No. Operations or administration was not my priority. I loved substance, issues—whatever the issues were, trying to work out legislative compromises, trying to give back something in the way of legislation to the people. And internal operations and administration, I quickly discovered, was not my forte. It was not something that excited me.DL: Although it's interesting: what you are most well-known for is overseeing and administering these large funds and compensating victims of these horrific tragedies, and there's a huge amount of administration involved in that.KF: Yes, but I'm a very good delegator. In fact, if you look at the track record of my career in designing and administering these programs—9/11 or the Deepwater Horizon oil spill or the Patriots' Day Marathon bombings in Boston—I was indeed fortunate in all of those matters to have at my side, for over 40 years, Camille Biros. She's not a lawyer, but she's the nation's expert on designing, administering, and operating these programs, and as you delve into what I've done and haven't done, her expertise has been invaluable.DL: I would call Camille your secret weapon, except she's not secret. She's been profiled in The New York Times, and she's a well-known figure in her own right.KF: That is correct. She was just in the last few months named one of the 50 Women Over 50 that have had such an impact in the country—that list by Forbes that comes out every year. She's prominently featured in that magazine.DL: Shifting back to your career, where did you go after your time in the Senate?KF: I opened up a Washington office for a prominent New York law firm, and for the next decade or more, that was the center of my professional activity.DL: So that was Kaye Scholer, now Arnold & Porter Kaye Scholer. What led you to go from your career in the public sector, where you spent a number of your years right out of law school, into so-called Biglaw?KF: Practicality and financial considerations. I had worked for over a decade in public service. I now had a wife, I had three young children, and it was time to give them financial security. And “Biglaw,” as you put it—Biglaw in Washington was lucrative, and it was something that gave me a financial base from which I could try and expand my different interests professionally. And that was the reason that for about 12 years I was in private practice for a major firm, Kaye Scholer.DL: And then tell us what happened next.KF: A great lesson in not planning too far ahead. In 1984, I got a call from a former clerk of Judge Fuld whom I knew from the clerk network: Judge Jack Weinstein, a nationally recognized jurist from Brooklyn, the Eastern District, and a federal judge. He had on his docket the Vietnam veterans' Agent Orange class action.You may recall that there were about 250,000 Vietnam veterans who came home claiming illness or injury or death due to the herbicide Agent Orange, which had been dropped by the U.S. Air Force in Vietnam to burn the foliage and vegetation where the Viet Cong enemy might be hiding. Those Vietnam veterans came home suffering terrible diseases, including cancer and chloracne (a sort of acne on the skin), and they brought a lawsuit. Judge Weinstein had the case. Weinstein realized that if that case went to trial, it could be 10 years before there'd be a result, with appeals and all of that.So he appointed me as mediator, called the “special master,” whose job it was to try and settle the case, all as a mediator. Well, after eight weeks of trying, we were successful. There was a master settlement totaling about $250 million—at the time, one of the largest tort verdicts in history. And that one case, front-page news around the nation, set me on a different track. Instead of remaining a Washington lawyer involved in regulatory and legislative matters, I became a mediator, an individual retained by the courts or by the parties to help resolve a case. And that was the beginning. That one Agent Orange case transformed my entire professional career and moved me in a different direction completely.DL: So you knew the late Judge Weinstein through Fuld alumni circles. What background did you have in mediation already, before you handled this gigantic case?KF: None. I told Judge Weinstein, “Judge, I never took a course in mediation at law school (there wasn't one then), and I don't know anything about bringing the parties together, trying to get them to settle.” He said, “I know you. I know your background. I've followed your career. You worked for Senator Kennedy. You are the perfect person.” And until the day I die, I'm beholden to Judge Weinstein for having faith in me to take this on.DL: And over the years, you actually worked on a number of matters at the request of Judge Weinstein.KF: A dozen. I worked on tobacco cases, on asbestos cases, on drug and medical device cases. I even worked for Judge Weinstein mediating the closing of the Shoreham nuclear plant on Long Island. I handled a wide range of cases where he called on me to act as his court-appointed mediator to resolve cases on his docket.DL: You've carved out a very unique and fascinating niche within the law, and I'm guessing that most people who meet you nowadays know who you are. But say you're in a foreign country or something, and some total stranger is chatting with you and asks what you do for a living. What would you say?KF: I would say I'm a lawyer, and I specialize in dispute resolution. It might be mediation, it might be arbitration, or it might even be negotiation, where somebody asks me to negotiate on their behalf. So I just tell people there is a growing field of law in the United States called ADR—alternative dispute resolution—and that it is, as you say, David, my niche, my focus when called upon.DL: And I think it's fair to say that you're one of the founding people in this field or early pioneers—or I don't know how you would describe it.KF: I think that's right. When I began with Agent Orange, there was no mediation to speak of. It certainly wasn't institutionalized; it wasn't streamlined. Today, in 2025, the American Bar Association has a special section on alternative dispute resolution, it's taught in every law school in the United States, there are thousands of mediators and arbitrators, and it's become a major leg in law school of different disciplines and specialties.DL: One question I often ask my guests is, “What is the matter you are most proud of?” Another question I often ask my guests is, “What is the hardest matter you've ever had to deal with?” Another question I often ask my guests is, “What is the matter that you're most well-known for?” And I feel in your case, the same matter is responsive to all three of those questions.KF: That's correct. The most difficult, the most challenging, the most rewarding matter, the one that's given me the most exposure, was the federal September 11 Victim Compensation Fund of 2001, when I was appointed by President George W. Bush and Attorney General John Ashcroft to implement, design, and administer a very unique federal law that had been enacted right after 9/11.DL: I got chills as you were just even stating that, very factually, because I was in New York on 9/11, and a lot of us remember the trauma and difficulty of that time. And you basically had to live with that and talk to hundreds, even thousands, of people—survivors, family members—for almost three years. And you did it pro bono. So let me ask you this: what were you thinking?KF: What triggered my interest was the law itself. Thirteen days after the attacks, Congress passed this law, unique in American history, setting up a no-fault administrator compensation system. Don't go to court. Those who volunteer—families of the dead, those who were physically injured at the World Trade Center or the Pentagon—you can voluntarily seek compensation from a taxpayer-funded law. Now, if you don't want it, you don't have to go. It's a voluntary program.The key will be whether the special master or the administrator will be able to convince people that it is a better avenue to pursue than a long, delayed, uncertain lawsuit. And based on my previous experience for the last 15 years, starting with Agent Orange and asbestos and these other tragedies, I volunteered. I went to Senator Kennedy and said, “What about this?” He said, “Leave it to me.” He called President Bush. He knew Attorney General John Ashcroft, who was his former colleague in the U.S. Senate, and he had great admiration for Senator Ashcroft. And so I was invited by the attorney general for an interview, and I told him I was interested. I told him I would only do it pro bono. You can't get paid for a job like this; it's patriotism. And he said, “Go for it.” And he turned out to be my biggest, strongest ally during the 33 months of the program.DL: Are you the managing partner of a boutique or midsize firm? If so, you know that your most important job is attracting and retaining top talent. It's not easy, especially if your benefits don't match up well with those of Biglaw firms or if your HR process feels “small time.” NexFirm has created an onboarding and benefits experience that rivals an Am Law 100 firm, so you can compete for the best talent at a price your firm can afford. Want to learn more? Contact NexFirm at 212-292-1002 or email betterbenefits@nexfirm.com.You talk about this in your books: you were recommended by a very prominent Democratic politician, and the administration at the time was Republican. George W. Bush was president, and John Ashcroft was the attorney general. Why wouldn't they have picked a Republican for this project?KF: Very good question. Senator Kennedy told both of them, “You better be careful here. This is a very, very uncertain program, with taxpayer money used to pay only certain victims. This could be a disaster. And you would be well-advised to pick someone who is not a prominent friend of yours, who is not perceived as just a Republican arm of the Justice Department or the White House. And I've got the perfect person. You couldn't pick a more opposite politician than my former chief of staff, Ken Feinberg. But look at what he's done.” And I think to Senator Kennedy's credit, and certainly to President Bush and to John Ashcroft's, they selected me.DL: As you would expect with a program of this size and complexity, there was controversy and certainly criticism over the years. But overall, looking back, I think people regard it widely as a huge success. Do you have a sense or an estimate of what percentage of people in the position to accept settlements through the program did that, rather than litigate? Because in accepting funds from the program, they did waive their right to bring all sorts of lawsuits.KF: That's correct. If you look at the statistics, if the statistics are a barometer of success, 5,300 applicants were eligible, because of death—about 2,950, somewhere in there—and the remaining claims were for physical injury. Of the 5,300, 97 percent voluntarily accepted the compensation. Only 94 people, 3 percent, opted out, and they all settled their cases five years later. There was never a trial on who was responsible in the law for 9/11. So if statistics are an indication—and I think they are a good indication—the program was a stunning success in accomplishing Congress's objective, which was diverting people voluntarily out of the court system.DL: Absolutely. And that's just a striking statistic. It was really successful in getting funds to families that needed it. They had lost breadwinners; they had lost loved ones. It was hugely successful, and it did not take a decade, as some of these cases involving just thousands of victims often do.I was struck by one thing you just said. You mentioned there was really no trial. And in reading your accounts of your work on this, it seemed almost like people viewed talking to you and your colleagues, Camille and others on this—I think they almost viewed that as their opportunity to be heard, since there wasn't a trial where they would get to testify.KF: That's correct. The primary reason for the success of the 9/11 Fund, and a valuable lesson for me thereafter, was this: give victims the opportunity to be heard, not only in public town-hall meetings where collectively people can vent, but in private, with doors closed. It's just the victim and Feinberg or his designee, Camille. We were the face of the government here. You can't get a meeting with the secretary of defense or the attorney general, the head of the Department of Justice. What you can get is an opportunity behind closed doors to express your anger, your frustration, your disappointment, your sense of uncertainty, with the government official responsible for cutting the checks. And that had an enormous difference in assuring the success of the program.DL: What would you say was the hardest aspect of your work on the Fund?KF: The hardest part of the 9/11 Fund, which I'll never recover from, was not calculating the value of a life. Judges and juries do that every day, David, in every court, in New Jersey and 49 other states. That is not a difficult assignment. What would the victim have earned over a work life? Add something for pain and suffering and emotional distress, and there's your check.The hardest part in any of these funds, starting with 9/11—the most difficult aspect, the challenge—is empathy, and your willingness to sit for over 900 separate hearings, me alone with family members or victims, to hear what they want to tell you, and to make that meeting, from their perspective, worthwhile and constructive. That's the hard part.DL: Did you find it sometimes difficult to remain emotionally composed? Or did you, after a while, develop a sort of thick skin?KF: You remain composed. You are a professional. You have a job to do, for the president of the United States. You can't start wailing and crying in the presence of somebody who was also wailing and crying, so you have to compose yourself. But I tell people who say, “Could I do what you did?” I say, “Sure. There are plenty of people in this country that can do what I did—if you can brace yourself for the emotional trauma that comes with meeting with victim after victim after victim and hearing their stories, which are...” You can't make them up. They're so heart-wrenching and so tragic.I'll give you one example. A lady came to see me, 26 years old, sobbing—one of hundreds of people I met with. “Mr. Feinberg, I lost my husband. He was a fireman at the World Trade Center. He died on 9/11. And he left me with our two children, six and four. Now, Mr. Feinberg, you've calculated and told me I'm going to receive $2.4 million, tax-free, from this 9/11 Fund. I want it in 30 days.”I said to Mrs. Jones, “This is public, taxpayer money. We have to go down to the U.S. Treasury. They've got to cut the checks; they've got to dot all the i's and cross all the t's. It may be 60 days or 90 days, but you'll get your money.”“No. Thirty days.”I said, “Mrs. Jones, why do you need the money in 30 days?”She said, “Why? I'll tell you why, Mr. Feinberg. I have terminal cancer. I have 10 weeks to live. My husband was going to survive me and take care of our two children. Now they're going to be orphans. I have got to get this money, find a guardian, make sure the money's safe, prepare for the kids' schooling. I don't have a lot of time. I need your help.”Well, we ran down to the U.S. Treasury and helped process the check in record time. We got her the money in 30 days—and eight weeks later, she died. Now when you hear story after story like this, you get some indication of the emotional pressure that builds and is debilitating, frankly. And we managed to get through it.DL: Wow. I got a little choked up just even hearing you tell that. Wow—I really don't know what to say.When you were working on the 9/11 Fund, did you have time for any other matters, or was this pretty much exclusively what you were working on for the 33 months?KF: Professionally, it was exclusive. Now what I did was, I stayed in my law firm, so I had a living. Other people in the firm were generating income for the firm; I wasn't on the dole. But it was exclusive. During the day, you are swamped with these individual requests, decisions that have to be made, checks that have to be cut. At night, I escaped: opera, orchestral concerts, chamber music, art museums—the height of civilization. During the day, in the depths of horror of civilization; at night, an escape, an opportunity to just enjoy the benefits of civilization. You better have a loving family, as I did, that stands behind you—because you never get over it, really.DL: That's such an important lesson, to actually have that time—because if you wanted to, you could have worked on this 24/7. But it is important to have some time to just clear your head or spend time with your family, especially just given what you were dealing with day-to-day.KF: That's right. And of course, during the day, we made a point of that as well. If we were holding hearings like the one I just explained, we'd take a one-hour break, go for a walk, go into Central Park or into downtown Washington, buy an ice cream cone, see the kids playing in playgrounds and laughing. You've got to let the steam out of the pressure cooker, or it'll kill you. And that was the most difficult part of the whole program. In all of these programs, that's the common denominator: emotional stress and unhappiness on the part of the victims.DL: One last question, before we turn to some other matters. There was also a very large logistical apparatus associated with this, right? For example, PricewaterhouseCoopers. It wasn't just you and Camille trying to deal with these thousands of survivors and claimants; you did have support.KF: That's right. Pricewaterhouse won the bid at the Justice Department. This is public: Pricewaterhouse, for something like around $100 million, put 450 people to work with us to help us process claims, appraise values, do the research. Pricewaterhouse was a tremendous ally and has gone on, since 9/11, to handle claims design and claims administration, as one of its many specialties. Emily Kent, Chuck Hacker, people like that we worked with for years, very much experts in these areas.DL: So after your work on the 9/11 Fund, you've worked on a number of these types of matters. Is there one that you would say ranks second in terms of complexity or difficulty or meaningfulness to you?KF: Yes. Deepwater Horizon in 2011, 2012—that oil rig in the Gulf of Mexico blew up and killed about, I don't know, 15 to 20 people in the explosion. But the real challenge in that program was how we received, in 16 months, about 1,250,000 claims for business interruption, business losses, property damage. We received over a million claims from 50 states. I think we got probably a dozen claims from New Jersey; I didn't know the oil had gotten to New Jersey. We received claims from 35 foreign countries. And the sheer volume of the disaster overwhelmed us. We had, at one point, something like 40,000 people—vendors—working for us. We had 35 offices throughout the Gulf of Mexico, from Galveston, Texas, all the way to Mobile Bay, Alabama. Nevertheless, in 16 months, on behalf of BP, Deepwater Horizon, we paid out all BP money, a little over $7 billion, to 550,000 eligible claimants. And that, I would say, other than 9/11, had the greatest impact and was the most satisfying.DL: You mentioned some claims coming from some pretty far-flung jurisdictions. In these programs, how much of a problem is fraud?KF: Not much. First of all, with death claims like 9/11 or the Boston Marathon bombings or the 20 first-graders who died in Sandy Hook, Connecticut, at the hands of a deranged gunmen—most of the time, in traumatic death and injury, you've got records. No one can beat the system; you have to have a death certificate. In 9/11, where are your military records, if you were at the Pentagon? Where are the airplane manifests? You've got to be on the manifest if you were flying on that plane.Now, the problem becomes more pronounced in something like BP, where you've got over a million claims, and you wonder, how many people can claim injury from this explosion? There we had an anti-fraud unit—Guidepost, Bart Schwartz's company—and they did a tremendous job of spot-checking claims. I think that out of over a million claims, there may have been 25,000 that were suspicious. And we sent those claims to the Justice Department, and they prosecuted a fair number of people. But it wasn't a huge problem. I think the fraud rate was something like 3 percent; that's nothing. So overall, we haven't found—and we have to be ever-vigilant, you're right—but we haven't found much in the way of fraud.DL: I'm glad to hear that, because it would really be very depressing to think that there were people trying to profiteer off these terrible disasters and tragedies. Speaking of continuing disasters and tragedies, turning to current events, you are now working with Southern California Edison in dealing with claims related to the Eaton Fire. And this is a pending matter, so of course you may have some limits in terms of what you can discuss, but what can you say in a general sense about this undertaking?KF: This is the Los Angeles wildfires that everybody knows about, from the last nine or ten months—the tremendous fire damage in Los Angeles. One of the fires, or one of the selected hubs of the fire, was the Eaton Fire. Southern California Edison, the utility involved in the litigation and finger-pointing, decided to set up, à la 9/11, a voluntary claims program. Not so much to deal with death—there were about 19 deaths, and a handful of physical injuries—but terrible fire damage, destroyed homes, damaged businesses, smoke and ash and soot, for miles in every direction. And the utility decided, its executive decided, “We want to do the right thing here. We may be held liable or we may not be held liable for the fire, but we think the right thing to do is nip in the bud this idea of extended litigation. Look at 9/11: only 94 people ended up suing. We want to set up a program.”They came to Camille and me. Over the last eight weeks, we've designed the program, and I think in the last week of October or the first week of November, you will see publicly, “Here is the protocol; here is the claim form. Please submit your claims, and we'll get them paid within 90 days.” And if history is an indicator, Camille and I think that the Eaton Fire Protocol will be a success, and the great bulk of the thousands of victims will voluntarily decide to come into the program. We'll see. [Ed. note: On Wednesday, a few days after Ken and I recorded this episode, Southern California Edison announced its Wildfire Recovery Compensation Program.]DL: That raises a question that I'm curious about. How would you describe the relationship between the work that you and Camille and your colleagues do and the traditional work of the courts, in terms of in-the-trenches litigation? Because I do wonder whether the growth in your field is perhaps related to some developments in litigation, in terms of litigation becoming more expensive over the decades (in a way that far outstrips inflation), more complicated, or more protracted. How would you characterize that relationship?KF: I would say that the programs that we design and administer—like 9/11, like BP, plus the Eaton wildfires—are an exception to the rule. Nobody should think that these programs that we have worked on are the wave of the future. They are not the wave of the future; they are isolated, unique examples, where a company—or in 9/11, the U.S. government—decides, “We ought to set up a special program where the courts aren't involved, certainly not directly.” In 9/11, they were prohibited to be involved, by statute; in some of these other programs, like BP, the courts have a relationship, but they don't interfere with the day-to-day administration of the program.And I think the American people have a lot of faith in the litigation system that you correctly point out can be uncertain, very inefficient, and very costly. But the American people, since the founding of the country, think, “You pick your lawyer, I'll pick my lawyer, and we'll have a judge and jury decide.” That's the American rule of law; I don't think it's going to change. But occasionally there is a groundswell of public pressure to come up with a program, or there'll be a company—like the utility, like BP—that decides to have a program.And I'll give you one other example: the Catholic Church confronted thousands of claims of sexual abuse by priests. It came to us, and we set up a program—just like 9/11, just like BP—where we invited, voluntarily, any minor—any minor from decades ago, now an adult—who had been abused by the church to come into this voluntary program. We paid out, I think, $700 million to $800 million, to victims in dioceses around the country. So there's another example—Camille did most of that—but these programs are all relatively rare. There are thousands of litigations every day, and nothing's going to change that.DL: I had a guest on a few weeks ago, Chris Seeger of Seeger Weiss, who does a lot of work in the mass-tort space. It's interesting: I feel that that space has evolved, and maybe in some ways it's more efficient than it used to be. They have these multi-district litigation panels, they have these bellwether trials, and then things often get settled, once people have a sense of the values. That system and your approach seem to have some similarities, in the sense that you're not individually trying each one of these cases, and you're having somebody with liability come forward and voluntarily pay out money, after some kind of negotiation.KF: Well, there's certainly negotiation in what Chris Seeger does; I'm not sure we have much negotiation. We say, “Here's the amount under the administrative scheme.” It's like in workers' compensation: here's the amount. You don't have to take it. There's nothing to really talk about, unless you have new evidence that we're not aware of. And those programs, when we do design them, seem to work very efficiently.Again, if you ask Camille Biros what was the toughest part of valuing individual claims of sexual-abuse directed at minors, she would say, “These hearings: we gave every person who wanted an opportunity to be heard.” And when they come to see Camille, they don't come to talk about money; they want validation for what they went through. “Believe me, will you? Ken, Camille, believe me.” And when Camille says, “We do believe you,” they immediately, or almost immediately, accept the compensation and sign a release: “I will not sue the Catholic diocese.”DL: So you mentioned there isn't really much negotiation, but you did talk in the book about these sort of “appeals.” You had these two tracks, “Appeals A” and “Appeals B.” Can you talk about that? Did you ever revisit what you had set as the award for a particular victim's family, after hearing from them in person?KF: Sure. Now, remember, those appeals came back to us, not to a court; there's no court involvement. But in 9/11, in BP, if somebody said, “You made a mistake—you didn't account for these profits or this revenue, or you didn't take into account this contract that my dead firefighter husband had that would've given him a lot more money”—of course, we'll revisit that. We invited that. But that's an internal appeals process. The people who calculated the value of the claim are the same people that are going to be looking at revisiting the claim. But again, that's due process, and that's something that we thought was important.DL: You and Camille have been doing this really important work for decades. Since this is, of course, shortly after your 80th birthday, I should ask: do you have future plans? You're tackling some of the most complicated matters, headline-making matters. Would you ever want to retire at some point?KF: I have no intention of retiring. I do agree that when you reach a certain pinnacle in what you've done, you do slow down. We are much more selective in what we do. I used to have maybe 15 mediations going on at once; now, we have one or two matters, like the Los Angeles wildfires. As long as I'm capable, as long as Camille's willing, we'll continue to do it, but we'll be very careful about what we select to do. We don't travel much. The Los Angeles wildfires was largely Zooms, going back and forth. And we're not going to administer that program. We had administered 9/11 and BP; we're trying to move away from that. It's very time-consuming and stressful. So we've accomplished a great deal over the last 50 years—but as long as we can do it, we'll continue to do it.DL: Do you have any junior colleagues who would take over what you and Camille have built?KF: We don't have junior colleagues. There's just the two of us and Cindy Sanzotta, our receptionist. But it's an interesting question: “Who's after Feinberg? Who's next in doing this?” I think there are thousands of people in this country who could do what we do. It is not rocket science. It really isn't. I'll tell you what's difficult: the emotion. If somebody wants to do what we do, you better brace yourself for the emotion, the anger, the frustration, the finger pointing. It goes with the territory. And if you don't have the psychological ability to handle this type of stress, stay away. But I'm sure somebody will be there, and no one's irreplaceable.DL: Well, I know I personally could not handle it. I worked when I was at a law firm on civil litigation over insurance proceeds related to the World Trade Center, and that was a very draining case, and I was very glad to no longer be on it. So I could not do what you and Camille do. But let me ask you, to end this section on a positive note: what would you say is the most rewarding or meaningful or satisfying aspect of the work that you do on these programs?KF: Giving back to the community. Public service. Helping the community heal. Not so much the individuals; the individuals are part of the community. “Every individual can make a difference.” I remember that every day, what John F. Kennedy said: government service is a noble undertaking. So what's most rewarding for me is that although I'm a private practitioner—I am no longer in government service, since my days with Senator Kennedy—I'd like to think that I performed a valuable service for the community, the resilience of the community, the charity exhibited by the community. And that gives me a great sense of self-satisfaction.DL: You absolutely have. It's been amazing, and I'm so grateful for you taking the time to join me.So now, onto our speed round. These are four questions that are standardized. My first question is, what do you like the least about the law? And this can either be the practice of law or law in a more abstract sense.KF: Uncertainty. What I don't like about the law is—and I guess maybe it's the flip side of the best way to get to a result—I don't like the uncertainty of the law. I don't like the fact that until the very end of the process, you don't know if your view and opinion will prevail. And I think losing control over your destiny in that regard is problematic.DL: My second question—and maybe we touched on this a little bit, when we talked about your father's opinions—what would you be if you were not a lawyer?KF: Probably an actor. As I say, I almost became an actor. And I still love theater and the movies and Broadway shows. If my father hadn't given me that advice, I was on the cusp of pursuing a career in the theater.DL: Have you dabbled in anything in your (probably limited) spare time—community theater, anything like that?KF: No, but I certainly have prioritized in my spare time classical music and the peace and optimism it brings to the listener. It's been an important part of my life.DL: My third question is, how much sleep do you get each night?KF: Well, it varies from program to program. I'd like to get seven hours. That's what my doctors tell me: “Ken, very important—more important than pills and exercise and diet—is sleep. Your body needs a minimum of seven hours.” Well, for me, seven hours is rare—it's more like six or even five, and during 9/11 or during Eaton wildfires, it might be more like four or five. And that's not enough, and that is a problem.DL: My last question is, any final words of wisdom, such as career advice or life advice, for my listeners?KF: Yes, I'll give you some career and life advice. It's very simple: don't plan too far ahead. People have this view—you may think you know what you want to do with your career. You may think you know what life holds for you. You don't know. If I've learned anything over the last decades, life has a way of changing the best-laid plans. These 9/11 husbands and wives said goodbye to their children, “we'll see you for dinner,” a perfunctory wave—and they never saw them again. Dust, not even a body. And the idea I tell law students—who say, ”I'm going to be a corporate lawyer,” or “I'm going to be a litigator”—I tell them, “You have no idea what your legal career will look like. Look at Feinberg; he never planned on this. He never thought, in his wildest dreams, that this would be his chosen avenue of the law.”My advice: enjoy the moment. Do what you like now. Don't worry too much about what you'll be doing two years, five years, 10 years, a lifetime ahead of you. It doesn't work that way. Everybody gets thrown curveballs, and that's advice I give to everybody.DL: Well, you did not plan out your career, but it has turned out wonderfully, and the country is better for it. Thank you, Ken, both for your work on all these matters over the years and for joining me today.KF: A privilege and an honor. Thanks, David.DL: Thanks so much to Ken for joining me—and, of course, for his decades of work resolving some of the thorniest disputes in the country, which is truly a form of public service.Thanks to NexFirm for sponsoring the Original Jurisdiction podcast. NexFirm has helped many attorneys to leave Biglaw and launch firms of their own. To explore this opportunity, please contact NexFirm at 212-292-1000 or email careerdevelopment@nexfirm.com to learn more.Thanks to Tommy Harron, my sound engineer here at Original Jurisdiction, and thanks to you, my listeners and readers. To connect with me, please email me at davidlat@substack.com, or find me on Twitter, Facebook, and LinkedIn, at davidlat, and on Instagram and Threads at davidbenjaminlat.If you enjoyed today's episode, please rate, review, and subscribe. Please subscribe to the Original Jurisdiction newsletter if you don't already, over at davidlat.substack.com. This podcast is free, but it's made possible by paid subscriptions to the newsletter.The next episode should appear on or about Wednesday, November 12. Until then, may your thinking be original and your jurisdiction free of defects.Thanks for reading Original Jurisdiction, and thanks to my paid subscribers for making this publication possible. Subscribers get (1) access to Judicial Notice, my time-saving weekly roundup of the most notable news in the legal world; (2) additional stories reserved for paid subscribers; (3) transcripts of podcast interviews; and (4) the ability to comment on posts. You can email me at davidlat@substack.com with questions or comments, and you can share this post or subscribe using the buttons below. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit davidlat.substack.com/subscribe

What happens when an Atlassian marketing veteran who decorates cakes and rides motorcycles decides the traditional marketing funnel is completely broken? You get Ashley Faus, Head of Lifecycle Marketing Portfolio at Atlassian, author of "Human-Centered Marketing," and today's guest on FutureCraft. Ashley has spent 8+ years at Atlassian revolutionizing how B2B marketers think about customer journeys, replacing linear funnels with her "content playground" framework where audiences can go up, down, and sideways through your content—just like kids on an actual playground. In this episode, we get into: Why ChatGPT 5 might be getting worse for marketing professionals (and what to use instead) Erin's live demo of Gemini's deep research for account-based marketing that analyzes hundreds of sources Ashley's content playground framework that treats audiences like humans, not funnel steps How trust becomes your only defensible moat when AI can fake everything else Why organizational silos are killing your customer experience (and how to fix them) The "18-month rule" for career evolution in an AI-accelerated world Whether you're a CMO fighting for budget, a product marketer drowning in requests, or a lifecycle specialist trying to prove ROI, Ashley breaks down how to keep humans at the center while leveraging AI as your creative co-pilot.  

Former Kansas City Chiefs offensive lineman Joe Valerio and Forbes.com writer Jeff Fedotin are joined by former Buffalo Bills linemen John Fina and Jerry Ostroski of the Overreaction Buffalo show for a deep-dive preview of Sunday's huge game between the Chiefs and the Bills. They discuss matchups to watch and also share stories from their playing days, including reflections on Marv Levy and when the teams faced off in the playoffs. Agree or disagree with our thoughts? Let us know on X: @joevalerio73 and @JFedotin. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Do the fundamentals of marketing still matter in an age of AI, social, and shiny new tools?Neil Patel, entrepreneur, bestselling author, and co-founder of NP Digital, joins the Be A Marketer podcast to share why timeless fundamentals are the foundation for any successful marketing strategy. Named a top marketer by Forbes and the Wall Street Journal, Neil has helped businesses of all sizes, from Amazon to startups, drive growth by focusing on what works.In this episode, you'll hear why Neil believes in “search everywhere optimization,” how ugly marketing often outperforms polished campaigns, and why the fundamentals earn you the right to experiment with trends.If you love this show, please leave a review. Go to RateThisPodcast.com/bam and follow the simple instructions.Additional Resources:Try Constant ContactEasily create a multi-channel campaign out of a single email, social post, or SMSCreate a Social Post and schedule it to publish on social mediaMeet Today's Guest: Neil Patel of NP Digital

Overcomer Covenant Church exists to advance the Kingdom of God, locally and globally, by preaching the Gospel, partnering with other ministries, and planting churches. To support Overcomer and help us continue to reach people all around the world, click here: If you've just made a decision for Christ, click the link today - If this is your first time joining us, click the link today - https://overcomercc.org/newhere —— Stay Connected! Website: YouTube: Instagram: Facebook: https://facebook.com/overcomercc

Send us a textContent Warning: cancer treatment and journeyAbout This Episode Boldness doesn't have to be big and loud. It can also look like choosing to keep showing up, even when life feels uncertain. In this episode, keynote speaker and author Goldie Chan shares how she built a recognizable brand while navigating cancer treatment and creating an 800-day streak of original LinkedIn videos rooted in cadence, craft, and credibility. She unpacks her Five Cs of personal branding (Community, Confidence, Competency, Consistency, and Clarity) plus a sixth: Conversation. Through small, steady actions and intentional engagement, Goldie shows how to grow trust, energy, and visibility without burnout. You will leave with practical steps to invest just one hour a week to build your presence, connect with purpose, and remember that even 10 percent on a hard day still counts and grows into your next bold move. About Goldie ChanGoldie Chan is a creative, keynote speaker, author, and cancer survivor. She was named the “Oprah of LinkedIn” by Huffington Post and her creative video channel won LinkedIn Top Voice for Social Media. Goldie founded Warm Robots in 2018, an award-winning social media strategy and creative agency based in Los Angeles with global clients. Previously, she wrote an internationally recognized column for Forbes, which received nearly 10M views, and was named Journalist of the Year in 2024. Goldie writes for Archie Comics and has been featured as a fresh voice in The New York Times, CNN, Fast Company, and many other outlets. Goldie is based in sunny Los Angeles. Additional ResourcesWebsite: goldiechan.comInstagram: @goldiecylonLinkedIn: @GoldieChanSupport the show-------- Stay Connected www.leighburgess.com Watch the episodes on YouTube Follow Leigh on Instagram: @theleighaburgess Follow Leigh on LinkedIn: @LeighBurgess Sign up for Leigh's bold newsletter

This Day in Legal History: October ManifestoOn October 30, 1905, Tsar Nicholas II of Russia issued the October Manifesto in response to mounting unrest and revolutionary fervor sweeping the Russian Empire. The 1905 Revolution had erupted earlier that year following the Bloody Sunday massacre, in which unarmed protesters were gunned down by imperial guards. Strikes, peasant revolts, and mutinies within the military and navy intensified public pressure for reform. The October Manifesto promised several liberalizing measures: the creation of a legislative Duma (parliament), expansion of civil liberties including freedom of speech, assembly, and conscience, and a commitment that no law would be enacted without the Duma's consent.Though revolutionary factions remained skeptical, the manifesto temporarily quelled widespread unrest and led to the formation of Russia's first constitutional structure. It marked the first time autocratic power in Russia was publicly limited by law, at least in theory. However, the tsarist regime maintained significant control: Nicholas retained the right to dissolve the Duma at will and manipulate election laws. Conservative forces viewed the manifesto as a concession made under duress, while radicals criticized it as too limited and unenforceable.The October Manifesto also split opposition forces. Some liberals, known as Octobrists, supported working within the new constitutional framework. Others, including the Bolsheviks and Socialist Revolutionaries, dismissed the document as a façade and continued to push for broader revolution. In legal terms, the manifesto introduced the concept of legislative consent into Russian governance, establishing a precedent for popular representation in lawmaking. Although the Duma's actual power remained constrained, the October Manifesto set the stage for future political conflicts that would culminate in the Russian Revolutions of 1917.The Trump administration's recent approvals for oil and gas leasing in Alaska and road development projects are drawing scrutiny from environmental groups, who say the decisions were made opaquely during a government shutdown, limiting their ability to challenge them in court. These projects include reopening leasing in the Arctic National Wildlife Refuge (ANWR), issuing permits for the 211-mile Ambler Road to mining sites, and approving a controversial land exchange to allow road construction through the Izembek National Wildlife Refuge wilderness. Environmental attorneys argue that key documents and analyses justifying these decisions remain unavailable, complicating legal strategies.The Interior Department, operating with a reduced staff, has only offered links to decision documents, providing little insight into environmental protections or regulatory compliance. Although these projects have been previously contested in court, the lack of transparency surrounding the latest approvals hinders further action. Some legal experts suggest potential conflicts of interest—such as the U.S. acquiring a stake in a company tied to the Ambler Road—could be grounds for future lawsuits. Additionally, the Izembek land swap may face legal challenges for bypassing required congressional approval.Environmental Groups Challenged in Fighting Trump's Alaska MovesThree former Morgan Stanley financial advisers are suing the U.S. Department of Labor over a recent advisory opinion that they argue unlawfully shields the bank from arbitration claims related to unpaid deferred compensation. Filed in Manhattan federal court, the lawsuit alleges that the Labor Department's September 9 finding—that Morgan Stanley's deferred compensation plan does not qualify as an employee benefit pension plan under ERISA—conflicts with two prior court rulings that said it does.The plaintiffs, Steve Sheresky, Jeffrey Samsen, and Nicholas Sutro, say the opinion was “arbitrary and capricious” and would undermine their efforts, and those of other former employees, to arbitrate claims over canceled or unpaid compensation. They also claim Morgan Stanley is already using the Labor Department's stance to dismiss ongoing claims and seek reimbursement of legal costs.Though Morgan Stanley is not a defendant in the suit, the plaintiffs argue the agency overstepped its authority and are asking the court to revoke the advisory opinion under the Administrative Procedure Act. The case, Sheresky et al v. U.S. Department of Labor, raises broader questions about administrative agencies issuing legal interpretations that can influence private litigation outcomes without proper judicial or legislative review.Former Morgan Stanley advisers sue US Labor Department | ReutersEli Lilly has announced a new partnership with Walmart to offer its weight-loss drug Zepbound at discounted, direct-to-consumer prices through Walmart pharmacies nationwide. This marks the first time customers using the LillyDirect platform can pick up the medication in person at a retail location. The lowest dose of Zepbound will be available for $349 per month for self-paying patients.The move is part of Lilly's broader strategy to expand access and boost market share in the competitive obesity drug space, currently valued at around $150 billion. Zepbound competes directly with Novo Nordisk's Wegovy, but recent data suggests Lilly has pulled ahead in prescriptions, despite Novo's earlier market entry.Lilly reported that around 35% of Zepbound prescriptions in Q2 came from cash-paying customers using LillyDirect. Both Lilly and Novo have also made their weight-loss drugs available through various telehealth platforms, further expanding patient access.Lilly, Walmart launch first retail pick-up option for weight-loss drug | ReutersA piece I wrote for Forbes earlier this week looks at the escalating tensions surrounding digital services taxes (DSTs), with France once again moving to raise its DST—from 3% to 15%—primarily targeting U.S. tech giants like Google, Meta, and Amazon. The U.S. has responded with familiar threats of tariffs and trade retaliation, repeating a now well-worn pattern of diplomatic pushback without addressing the underlying issue. That issue is structural: the global tax framework was built around physical presence, but today's digital economy allows companies to generate profits in countries where they have no offices, employees, or infrastructure.As frustration builds in countries watching tech firms reap profits without corresponding local tax contributions, DSTs have become a tool to reclaim taxing rights. In response, nearly 140 countries have worked through the OECD to build a two-pillar international solution. Pillar One aims to reallocate taxing rights based on where users are located; Pillar Two introduces a global minimum tax. Yet, while other countries move forward, the U.S. continues to resist fully embracing Pillar One—out of concern for political optics and revenue loss.That resistance is counterproductive. By refusing to commit to a multilateral framework, the U.S. is guaranteeing the very outcome it opposes: a fragmented global tax landscape where each country sets its own rules. The current whac-a-mole strategy—reacting to every unilateral move with threats—offers no long-term protection for U.S. companies and only heightens global instability. It's time for the U.S. to stop playing defense and help finalize a framework that reflects the realities of the digital economy.Whac-A-Mole Taxation Battles Will Persist Without A Global Deal This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.minimumcomp.com/subscribe

In November 2023, a spooky makeup trend took TikTok by storm. Users posted images of themselves with full-coverage, pale foundation for a ghostly vibe, intense grey contouring, hidden eyebrows, and pencil-altered lips. The aim behind those creative efforts was actually to resemble humanoid creatures, and elicit a particular reaction known as “uncanny valley” from viewers. And the trend garnered a lot of attention. As of November 13th, Forbes reported that the #uncannyvalley hashtag had amassed 821 million views. The funny thing is that the origins of the uncanny valley phenomenon actually have nothing to do with makeup at all. What does it mean then? Where does the 'valley' part come from? In under 3 minutes, we answer your questions! To listen to the last episodes, you can click here: ⁠How can you protect yourself from being mugged?⁠ ⁠How to use less water?⁠ ⁠How did Covid lead to the emergence of meta cities?⁠ A podcast written and realised by Joseph Chance. First Broadcast: 3/2/2024 Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of The People of Penn State podcast, we chat with Adriana Lacy ('18 Com), an award-winning journalist, entrepreneur, and digital media strategist.As Founder and CEO of Adriana Lacy Consulting, she helps publishers and businesses expand their digital reach, drawing on her experience in the newsroom at The New York Times, Los Angeles Times, and Axios.Adriana reflects on her time at Penn State, including how switching her major put her on a new path, and shares how her early journalism experiences led her to start her own consulting firm. She also discusses her passion for teaching and being named to the 2023 Forbes 30 Under 30 list.Adriana created Journalism Mentors, a program that connects aspiring journalists with seasoned professionals. Learn more: https://journalismmentors.com/For more alumni stories, visit pennstatermag.com

Join Daniel Saks, CEO & Co-Founder of Landbase, in conversation with Gary Fowler, as they explore how Agentic AI is revolutionizing the way companies generate demand, build relationships, and drive growth. Discover how the next evolution of AI — systems that act intelligently on our behalf — is reshaping go-to-market strategy and redefining the future of work.

Money isn't just about math — it's about mindset. This week, JVN welcomes back financial educator, Her First $100K founder, and Financial Feminist Podcast host Tori Dunlap to the pod to talk about how we can break free from money shame and finally feel confident with our cash!  From debt and credit cards to saving, investing, and taxes, Tori breaks down the emotional and practical sides of money management — and why so many of us tie our self-worth to our bank accounts. They're talking about how to build real financial confidence, stop saying “I'm bad with money,” and start making choices that align with your values. Whether you're paying off debt, dreaming about investing, or just trying to chill every time you check your balance — this episode will help you rethink what financial freedom really means.  BIO: Tori Dunlap is a financial educator, author, and entrepreneur best known as the founder of Her First $100K, a multimillion-dollar company dedicated to financial feminism and helping women build money confidence. After saving $100,000 by age 25 and leaving her corporate marketing job, she grew her platform into a top podcast and New York Times bestselling book of the same name, Financial Feminist. Today, Tori reaches millions with practical tools for tackling debt, saving, and investing, and was named to Forbes 30 Under 30 for her work reshaping how women talk about money. Full Getting Better Video Episodes now available on YouTube.  Follow Tori Dunlap on Instagram @herfirst100k  Follow The Financial Feminist @financialfeministpodcast  Follow Getting Better on Instagram @gettingbetterwithjvn  Follow Jonathan on Instagram @jvn Check out the JVN Patreon for exclusive BTS content, extra interviews, and much much more - check it out here: www.patreon.com/jvn  Senior Producer, Chris McClure Producer, Editor & Engineer is Nathanael McClure Production support: Chad Hall Our theme music is also composed by Nathanael McClure. Curious about bringing your brand to life on the show? Email podcastadsales@sonymusic.com. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Behind every highlight reel is a messy maze of contacts, gatekeepers, and missed opportunities—until someone maps it. In this episode of Sharkpreneur, Seth Greene interviews Ryan Rottman, actor-turned-founder who conceived an “IMDb for athletes,” and Sean O'Brien, CEO and former CMO who scaled Modloft from ~$25M to nearly $100M and helped Kevin Costner's Autio build engineering in-house. Backed by marquee investors (including super-agent Scott Boras) and a recent CNBC debut, AthleteAgent.com centralizes accurate, validated contacts for athletes and agents across growing pro leagues. Ryan and Sean share how they're boosting deal flow for the 99% of athletes, tightening product focus, and building trust in an industry famous for being fragmented and insular.   Key Takeaways: → How a dinner with Aaron Rodgers sparked the idea for an “IMDb for athletes” → Why athlete representation and endorsement deals are so fragmented—and how they're solving it → The surprising industries subscribing to AthleteAgent (from Coca-Cola to financial advisors) → How AthleteAgent is bringing transparency, trust, and deal flow to athletes and agents → Why sports representation and endorsements are so fragmented—and how a centralized “pro LinkedIn” changes the game   Ryan Rottman is the Co-Founder and Chief Operating Officer of AthleteAgent.com, a groundbreaking sports tech platform. In his role, Ryan oversees business operations, strategic partnerships, and platform development, helping expand the site's reach across professional leagues and enhance its database of verified athlete and team contacts. Before stepping into the tech and sports business world, Ryan built a successful career in entertainment, starring in films such as Billionaire Boys Club, The Open Road, and a variety of Hallmark originals, as well as television series like 90210(CW), The Middle (ABC), and The Lying Game (ABC Family). His background in production and storytelling has been instrumental in shaping AthleteAgent.com's user experience and brand identity. Ryan combines business acumen with creative vision, bringing a unique edge to the intersection of sports, media, and tech. Sean O'Brien is a seasoned entrepreneur and executive with a track record of scaling successful ventures across multiple industries. In his early 20s, Sean co-founded a patented eCommerce company that achieved $10M in sales and was acquired after being featured as a “Product of the Year” on The View. He went on to launch The DivotCard, a Groupon-like platform for golf, which earned recognition in Inc.. By the age of 30, both startups had exits. Sean later served as CMO/CTO at Modloft, a luxury D2C furniture brand, helping scale it to nearly $100M in revenue and earning accolades from Forbes, CNN, and Architectural Digest. He also played a key role at Autio, a startup backed by Kevin Costner and other investors, which turned down a $1M offer on Shark Tank. Currently, Sean is the CEO of AthleteAgent.com and Swingzy, while also being a part-time venture capitalist at NGVP and Hustle Fund. He has studied at prestigious institutions such as Wharton, Stanford, and UC Berkeley.   Connect With Ryan Rottman and Sean O'Brien: Website: https://www.athleteagent.com/ Instagram: https://www.athleteagent.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Hey loves, this solo episode is a juicy one—especially if you're craving more vitality, emotional balance, and a deeper connection to your body as you age.I'm diving into the 7 exact practices that have reversed my metabolic age, helped me ground during chaos, and brought more joy into my days. These are the rituals I live by—simple, powerful, and most importantly, sustainable. No cold plunges, no crazy supplements. Just real tools that work for busy mamas and high-achieving women like us.Let's get brave, slow down, and reclaim our right to thrive.For the mamas carrying it all—this is your permission to pause. Chai Tonics was crafted with soul, our blends and tools designed to ground your energy, calm your mind, and help you slow down. Start your mini ritual today at https://bit.ly/trychaitonics and use code BRAVE for 15% off.What you'll get out of this episode… The real reason your nervous system is the secret key to longevityWhy phone-free mornings reset your body's stress cycleA simple breathwork technique to start your day in calmHow naming your emotions rewires your brain and boosts emotional resilienceThe underrated power of daily rituals (and how to anchor them into your senses)A face-plunging hack that instantly activates your vagus nerve (!)How to create nervous-system-safe boundaries in your life and businessWhy stillness—not productivity—is your portal to healing and longevityThis Episode is Powered by Health NagYour 30s and 40s don't have to mean slowing down. Health Nag's Bioactive Collagen Jelly supports skin, joints, and gut health with science-backed, highly absorbable collagen. Female-founded, functional, and made for real life. Grab yours at https://neetabhushan.com/healthnag and use code BRAVETABLE for 10% off.Sponsored by Zoime Longevity ClinicYour health is your greatest wealth. Zoime Longevity Clinic uses advanced multi-omics testing and AI-powered diagnostics to decode your unique biology—so you can thrive, not just survive. Learn more at https://neetabhushan.com/zoime and use code BRAVETABLE for 10% off your consultation.Want more?☕ Love chai + self-care? Grab my free 12-month ritual guide → neetabhushan.com/chaitonics

Want to improve your workplace culture—but don't know where to start? In this episode, Joe Mull explains why “culture” isn't the word you should be focusing on and reveals a practical model for creating lasting change on your team. Learn how everyday experiences shape beliefs, drive actions, and produce results—and how small shifts in those experiences can transform “the way we do things around here.” Joe shares examples leaders can use right away to redefine workplace culture, build team accountability, and re-engineer beliefs that lead to better performance and engagement If you're a leader, manager, or business owner trying to build commitment, reduce drama, and improve morale, this episode gives you the blueprint. To subscribe to Joe Mull's BossBetter Email newsletter, visit https://BossBetterNow.com For more info on working with Joe Mull, visit https://joemull.com For more info on Boss Hero School, visit https://bossheroschool.com To email the podcast, use bossbetternow@gmail.com #transformativeleadership #workplaceculture #companyculture #talentretention #employeeengagement #employeeretention #bossheroschool #employalty Joe Mull is on a mission to help leaders and business owners create the conditions where commitment takes root—and the entire workplace thrives. A dynamic and deeply relatable speaker, Joe combines compelling research, magnetic storytelling, and practical strategies to show exactly how to cultivate loyalty, ignite effort, and build people-first workplaces where both performance and morale flourish. His message is clear: when commitment is activated, engagement rises, teams gel, retention improves, and business outcomes soar. Joe is the founder of Boss Hero School™ and the creator of the acclaimed Employalty™ framework, a roadmap for creating thriving workplaces in a new era of work. He's the author of three books, including Employalty, named a top business book of the year by Publisher's Weekly, and his popular podcast, Boss Better Now, ranks in the top 1% of management shows globally. A former head of learning and development at one of the largest healthcare systems in the U.S., Joe has spent nearly two decades equipping leaders—from Fortune 500 companies like State Farm, Siemens, and Choice Hotels to hospitals, agencies, and small firms—with the tools to lead better, inspire commitment, and build more humane workplace cultures. His insights have been featured in The Wall Street Journal, Forbes, Harvard Business Review, and more. In 2025, Joe was inducted into the Professional Speakers Hall of Fame (CPAE). This is the speaking profession's highest honor, a distinction granted to less than 1% of professional speakers worldwide. It's awarded to speakers who demonstrate exceptional talent, integrity, and influence in the speaking profession For more information visit joemull.com.

"Regardless of what's happening with kind of the ESG backlash conversation here, especially in the US, our other jurisdictions are coming hard and fast on regulatory…It doesn't matter what's happening in the broader ESG backlash …The other piece is, our corporate customers that have their own set of goals and expectations have absolutely not led up on us on wanting to see us continue to progress and move forward and drive change and help them drive change, because that is their expectation of us as a large scale supplier." Page Motes on Electric Ladies Podcast If you're thinking of renting a car on your next trip either for business or the holidays, you may think differently about which company to rent from and why after listening to this episode. As many companies that want to be environmentally sound and climate resilient twist due to a potential ESG backlash, Hertz is pushing full speed ahead on their commitments. Why? How? Listen to Page Motes, Chief Compliance & Sustainability Officer at Hertz explain in this fascinating conversation with Electric Ladies Podcast host Joan Michelson. You'll hear about: ● How Hertz is expanding its fleet of EVs – and why demand for them is growing. ● What corporate sustainability reporting and compliance look like in this day of ESG pushback and A.I., especially in an industry being reinvented while they drive. ● Where the risks and opportunities are today in this industry at the intersection of the automotive and travel sectors. ● Plus, career advice, such as: "I think a lot of times people in their mid-career have a very specific idea of this ladder that they have and this path specific to either the next job they want or if they want to be in an impact job. That impact job looks like X. And what I have learned is that there are lots of different types of jobs that make a direct difference, and there's a lot of different types of jobs that can drive impact. And so kind of the first thing is open the aperture and have lots of conversations with a lot of different kinds of groups. …Shadow, (ask) do you need help with that project? Experience what it is for a little bit, get a taste of it. Maybe you won't like it. Maybe you will love it, and then plant seeds early." Page Motes on Electric Ladies Podcast Read Joan's Forbes articles here. You'll also like: · Business Leaders Bridging The Gap – Women business leaders from The Earth Day Women's Summit on the unique role of business in addressing the climate crisis. · Leveraging AI For Sustainability – with Mandi McReynolds, Chief Sustainability Officer at Workiva, software company · How GM Is Going All Electric – with General Motors Chief Sustainability Officer Kristen Siemen. · Reducing IT's Carbon Footprint – with HPE Chief Sustainability Officer Monica Batchelder. · How Businesses Unlock Value With Sustainability – with Kristen Sullivan, Audit Partner and head of Deloitte's Sustainability practice Subscribe to our newsletter to receive our podcasts, blog, events and special coaching offers. Thanks for subscribing on Apple Podcasts or iHeartRadio and leaving us a review! Follow us on Twitter @joanmichelson

Courtney Claghorn, Founder and President of SUGARED + BRONZED shares how she transformed a $1,000 side hustle into a 40-location beauty brand spanning seven states. What began as a solution to her frustration with overpriced spray tans is now a brand on track to do $50M in ARR in 2025. In this conversation, Courtney opens up about bootstrapping for nearly a decade, the hard lesson of hiring the wrong "experts" after raising capital, and the series of personal crises that forced her to shift her focus from hustle to ROI. She shares what it's really like to rebuild a company's culture from the inside out and how learning to trust her gut over polished resumes became her biggest leadership advantage. Now 15 years in, Courtney reflects on balancing motherhood and entrepreneurship, trading cortisol for breathwork, and redefining success on her own terms. Key Takeaways and Topics - How SUGARED + BRONZED started with $1,000 and a portable spray-tan machine - Bootstrapping to profitability during a recession - Why intuition often beats "expert advice" - The painful lessons of hiring for prestige over humility - Rebuilding company culture after leadership missteps - Surviving pandemic shutdowns and rebuilding stronger - Finding balance and presence after burnout - Breathwork and spirituality as tools for leadership clarity - How Courtney approaches growth, hiring, and decision-making today - The ROI of creating a joyful, values-driven workplace The Failure Factor Podcast was brought to you by Off The Field Coaching. Explore working with one of our coaches at http://offthefieldcoaching.com Hosted by Megan Bruneau: therapist, executive coach, speaker, Forbes contributor, and host of The Failure Factor. For more info, visit https://meganbruneau.com Follow SUGARED + BRONZED: https://www.sugaredandbronzed.com https://www.instagram.com/sugaredandbronzed/ Courtney: https://www.instagram.com/courtneyclaghorn Megan: IG: https://www.instagram.com/meganjbruneau LinkedIn: https://www.linkedin.com/in/megan-j-bruneau-m-a-rcc Subscribe to the podcast newsletter at https://thefailurefactorpodcast.com

What if everything you believe about workplace wellness is only part of the story? In this episode, Kevin welcomes Dr. Katina Sawyer and Dr. Patricia Grabarek to discuss the real drivers of well-being at work and the critical role leaders play in shaping thriving environments. Drawing on their research, Katina and Patricia challenge the overreliance on surface-level wellness programs and demonstrate how authentic leadership, trust, and team connection have far greater impact. They introduce the concept of "generators", leaders who energize and empower their teams and contrast them with "extinguishers," who unintentionally drain motivation and wellness. Patricia and Katina also explore ideas like authenticity within professional boundaries, person-centered leadership, and the practical importance of being a "boundary bouncer." Listen For 0:00 The importance of wellness at work 0:33 Welcome and introduction by Kevin Eikenberry 1:29 About Kevin's book Flexible Leadership 2:18 Introducing guests Dr. Patricia Grabarek and Dr. Katina Sawyer 4:19 How their friendship led to writing Leading for Wellness 6:01 The research behind workplace wellness 7:05 The big idea Why leaders drive wellness 8:10 Defining workplace wellness 9:26 Work life balance myths and realities 10:18 Common misconceptions about wellness at work 11:37 Why wellness and productivity go hand in hand 13:30 The bolt on problem with wellness programs 14:01 What is a Generator leader 15:19 Authenticity and trust in leadership 17:14 What authenticity really means at work 18:40 Avoiding the stoic leader trap 20:26 Sharing your human side builds trust 21:01 Leaders as Boundary Bouncers 22:26 Protecting boundaries and modeling balance 24:15 Real life examples of healthy boundaries 25:01 Person centered leadership and Carl Rogers' influence 26:36 Knowing your people as individuals 28:17 Why understanding your team makes leadership easier 29:28 Building team culture where everyone thrives 30:23 What Katina and Patricia do for fun 32:37 What they're reading 34:04 Learn more about Worker Being and Leading for Wellness 35:19 Kevin's closing challenge Now what 35:54 Farewell and next episode reminder Their Story: Dr. Patricia Grabarek, PhD and Dr.Katina Sawyer, PhD, are the authors of Leading for Wellness: How to Create a Team Culture Where Everyone Thrives. They are the co-founders of Workr Beeing. Patricia is a seasoned Industrial/Organizational Psychologist specializing in workplace wellness, organizational culture, employee engagement, diversity and inclusion, and leadership development. With a background in both consulting and internal roles, Dr. Grabarek has led people analytics and talent management initiatives for more than 60 organizations across various industries. Her work focuses on research-based strategies to improve well-being, retention, performance, and diversity efforts. Named one of Culture Amp's Top 25 Emerging Culture Creators for 2024, Dr. Grabarek's insights have appeared in The Los Angeles Times, CBS News, and CBC Radio. She holds a PhD and MS in Industrial/Organizational Psychology from Penn State and a BA in Psychology from UCLA. Katina is an Industrial/Organizational psychologist and an Associate Professor of Management and Organizations at the University of Arizona's Eller College of Management. A leading expert in work-life balance, leadership, positive workplace behaviors, and diversity, she has published more than 50 peer-reviewed studies, book chapters, and articles in outlets like Harvard Business Review. Dr. Sawyer's work has been featured in major media such as The Washington Post, Bloomberg Businessweek, The Atlantic, and Forbes. Receiving grants from the National Science Foundation and the Society for Human Resource Management, her groundbreaking research has established her as a thought leader in positive workplace behaviors. Among Philadelphia Business Journal's "Top 40 Under 40" in 2017, Dr. Sawyer also consults with organizations, offering data-driven solutions to create healthier, more productive workplaces. She holds a BA in Psychology from Villanova University and a dual PhD and MS in Industrial/Organizational Psychology and Women's Studies from Penn State. https://workrbeeing.com/ https://www.linkedin.com/in/katina-sawyer-ph-d/ https://www.linkedin.com/in/patriciagrabarek/ https://www.instagram.com/workrbeeing/ https://www.youtube.com/channel/UCQGtAaCiNV2qR4HxgBvAkrg This Episode is brought to you by... Flexible Leadership is every leader's guide to greater success in a world of increasing complexity and chaos. Book Recommendations Leading for Wellness: How to Create a Team Culture Where Everyone Thrives by Patricia Grabarek and Katina Sawyer Outraged: Why We Fight About Morality and Politics and How to Find Common Ground by Kurt Gray Like a Wave We Break: A Memoir of Falling Apart and Finding Myself by Jane Marie Chen Like this? Solving the Culture Puzzle with Mario Moussa and Derek Newberry How Leaders Can Create a Company Culture That Doesn't Suck with S. Chris Edmonds and Mark Babbitt Creating a Work Culture Everyone Wants with Jennifer Moss Podcast Better! Sign up with Libsyn and get up to 2 months free! Use promo code: RLP Leave a Review If you liked this conversation, we'd be thrilled if you'd let others know by leaving a review on Apple Podcasts. Here's a quick guide for posting a review. Review on Apple: https://remarkablepodcast.com/itunes Join Our Community If you want to view our live podcast episodes, hear about new releases, or chat with others who enjoy this podcast join one of our communities below. Join the Facebook Group Join the LinkedIn Group

Some RIAs slap ESG labels on products and call it impact investing. Chat Reynders has been doing it for real, since before it was cool.In this episode, Chat sits down with Stacy Havener to unpack the story behind Reynders, McVeigh Capital Management, the $4B firm he co-founded after starting his career… raising money for a whale documentary.Yes, really.In this episode, you'll hear about:The wild backstory of how raising $4.5M for an IMAX film on whales sparked Chat's lifelong mission to fuse capital with purposeWhy Chat walked away from traditional finance (and how that shaped his view on sustainable investing)The truth about ESG, what Wall Street got wrong, and how Reynders McVeigh is doing it differentlyThe power of curiosity, clarity, and staying true to your story (especially in a world full of productized sameness)How declaring your firm's identity can fuel growth both externally and within your teamWhether you're a founder, an investor, or someone trying to align your money with your mission, this conversation will get you thinking.More About Chat: Chat Reynders is the Chairman and CEO of Reynders, McVeigh Capital Management, a $4B RIA he co-founded in 2005. With over 25 years of experience in investment management and social venture investing, Chat is known for blending fundamentals with forward-thinking strategies—and for being a true pioneer in values-driven investing.Beyond finance, he's raised over $150 million through public/private partnerships to support cultural and environmental initiatives worldwide. A longtime producer of socially conscious IMAX films (including the Oscar-nominated Dolphins), Chat's passion for impact extends to his work on the board of the MacGillivray Freeman Educational Foundation and other nonprofits.His work has been featured in The Wall Street Journal, Forbes, Barron's, and Business Week.Want More Help With Storytelling? +  Subscribe to my newsletter to get a weekly email that helps you use your words to power your growth:https://www.stacyhavener.com/subscribe   - - -Make The Boutique Investment Collective part of your Billion Dollar Backstory. Gain access to invaluable resources, expert coaches, and a supportive community of other boutique founders, fund managers, and investment pros. Join Havener Capital's exclusive membership ---Running a fund is hard enough.Ops shouldn't be.Meet the team that makes it easier. | billiondollarbackstory.com/ultimus- - -Thinking about expanding your investor base beyond the US? Not sure where to start? Take our quick quiz to find out if your firm is ready to go global and get all the info at billiondollarbackstory.com/gemcap

Steve Forbes praises the Thatcheresque inclinations of Japan's new prime minister, Sanae Takaichi, which could help her nation dig out of its economic rut—but Forbes warns that she is still pursuing the same plans as before, which could ensure an economic crisis.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

On this Live Greatly podcast episode, Kristel Bauer sits down with Claude Silver, Chief Heart Officer at VaynerX and the author of Be Yourself at Work: The Groundbreaking Power of Showing Up, Standing Out, and Leading from the Heart. Tune in now! Key Takeaways From This Episode: The importance of self-awareness Being able to be authentic at work The importance of knowing what is not work appropriate A look into Claude's book, Be Yourself at Work: The Groundbreaking Power of Showing Up, Standing Out, and Leading from the Heart Leadership tips ABOUT CLAUDE SILVER: Claude Silver is on a mission to revolutionize leadership, talent, and workplace culture. She is the world's first Chief Heart Officer at VaynerX and partners with CEO Gary Vaynerchuk to drive their success. She is the author of Be Yourself at Work: The Groundbreaking Power of Showing Up, Standing Out, and Leading from the Heart (Harper Business; October 28, 2025). Silver has earned Campaign US's Female Frontier Award and AdWeek's Changing the Game Award and she electrifies audiences at national and international conferences and at organizations, including Meta, Google, US Government agencies, and the US Armed Forces. She has been interviewed on dozens of podcasts and featured in The New York Times, Forbes, and The Wall Street Journal. Silver lives in New Jersey with her wife and two young children. Connect with Claude Order Claude's book: https://www.amazon.com/Be-Yourself-Work-Groundbreaking-Standing/dp/0063392437 Website: https://www.claudesilver.com/ Linkedin: https://www.linkedin.com/in/casilver/ Instagram: https://www.instagram.com/claudesilver/?hl=en About the Host of the Live Greatly podcast, Kristel Bauer: Kristel Bauer is a corporate wellness and performance expert, keynote speaker and TEDx speaker supporting organizations and individuals on their journeys for more happiness and success. She is the author of Work-Life Tango: Finding Happiness, Harmony, and Peak Performance Wherever You Work (John Murray Business November 19, 2024). With Kristel's healthcare background, she provides data driven actionable strategies to leverage happiness and high-power habits to drive growth mindsets, peak performance, profitability, well-being and a culture of excellence. Kristel's keynotes provide insights to "Live Greatly" while promoting leadership development and team building. Kristel is the creator and host of her global top self-improvement podcast, Live Greatly. She is a contributing writer for Entrepreneur, and she is an influencer in the business and wellness space having been recognized as a Top 10 Social Media Influencer of 2021 in Forbes. As an Integrative Medicine Fellow & Physician Assistant having practiced clinically in Integrative Psychiatry, Kristel has a unique perspective into attaining a mindset for more happiness and success. Kristel has presented to groups from the American Gas Association, Bank of America, bp, Commercial Metals Company, General Mills, Northwestern University, Santander Bank and many more. Kristel has been featured in Forbes, Forest & Bluff Magazine, Authority Magazine & Podcast Magazine and she has appeared on ABC 7 Chicago, WGN Daytime Chicago, Fox 4's WDAF-TV's Great Day KC, and Ticker News. Kristel lives in the Fort Lauderdale, Florida area and she can be booked for speaking engagements worldwide. To Book Kristel as a speaker for your next event, click here. Website: www.livegreatly.co Follow Kristel Bauer on: Instagram: @livegreatly_co LinkedIn: Kristel Bauer Twitter: @livegreatly_co Facebook: @livegreatly.co Youtube: Live Greatly, Kristel Bauer To Watch Kristel Bauer's TEDx talk of Redefining Work/Life Balance in a COVID-19 World click here. Click HERE to check out Kristel's corporate wellness and leadership blog Click HERE to check out Kristel's Travel and Wellness Blog Disclaimer: The contents of this podcast are intended for informational and educational purposes only. Always seek the guidance of your physician for any recommendations specific to you or for any questions regarding your specific health, your sleep patterns changes to diet and exercise, or any medical conditions. Always consult your physician before starting any supplements or new lifestyle programs. All information, views and statements shared on the Live Greatly podcast are purely the opinions of the authors, and are not medical advice or treatment recommendations. They have not been evaluated by the food and drug administration. Opinions of guests are their own and Kristel Bauer & this podcast does not endorse or accept responsibility for statements made by guests. Neither Kristel Bauer nor this podcast takes responsibility for possible health consequences of a person or persons following the information in this educational content. Always consult your physician for recommendations specific to you.