Podcasts about Frazier

In this episode of Pastors' Wives Tell All, the hosts share exciting details about an upcoming women's retreat created specifically for women in ministry—and not just pastors' wives. With honesty and enthusiasm, they unpack the heart behind the retreat: creating a space where women who serve can finally exhale, be understood, and be poured into.Scheduled for April 17–19, 2026, in Frazier's Bottom, West Virginia, this retreat is designed as a true “come away” experience. The hosts talk about the importance of stepping away from everyday responsibilities to reconnect with Jesus, build meaningful relationships, and engage in conversations that are both life-giving and real.Listeners will hear about what to expect—from small group discussions that foster deep connection, to fun games and activities that break the ice and spark laughter, to intentional moments for reflection and spiritual renewal. Above all, the retreat is about reminding women in ministry that they are not alone and that community is not a luxury—it's a necessity.This episode invites women to rest, reconnect, and rediscover joy alongside others who truly understand the unique challenges of ministry life.Retreat DetailsDates: April 17–19, 2026Location: Frazier's Bottom, West VirginiaWho It's For: Women in ministry (not just pastors' wives)Apply Here: https://pastors-wives-tell-all.churchcenter.com/people/forms/1069294Get all the info about our next pastors' wives retreat and apply here:https://www.pastorswivestellall.com/attendaretreatTo purchase the BOOK, head here: ⁠https://pastorswivestellall.com/book⁠⁠To shop our MERCH, head here: ⁠https://pastorswivestellall.com/shop⁠⁠Want to support the Pastors' Wives Tell All podcast ministry? Become a patron: ⁠https://www.patreon.com/pastorswivestellall ⁠⁠SUBSCRIBE: ⁠Sign up⁠ for our email list and receive updates on new episodes, free gifts, and all the fun! Email sign up ⁠⁠HERE⁠⁠!CONTACT US: ⁠hello@pastorswivestellall.com⁠⁠FOLLOW US:Website: ⁠⁠pastorswivestellall.com⁠⁠Instagram: ⁠⁠@pastorswivestellall⁠⁠Facebook: ⁠⁠@pastorswivestellall⁠⁠JESSICA:Instagram: ⁠⁠@jessica_taylor_83⁠⁠, ⁠⁠@come_away_missions⁠⁠, ⁠⁠@do_good_project__⁠⁠⁠Facebook: ⁠⁠Come Away Missions⁠⁠, ⁠⁠Do Good Project⁠⁠Websites: ⁠⁠Do Good Project⁠⁠, ⁠⁠Come Away Missions⁠⁠JENNA:Instagram: ⁠⁠@jennaallen⁠⁠, ⁠⁠@jennaallendesign⁠⁠Facebook: ⁠⁠@JennaAllenDesign⁠⁠Website: ⁠⁠Jenna Allen Design⁠⁠STEPHANIE:Instagram: ⁠⁠@msstephaniegilbert⁠⁠Facebook: ⁠⁠I Literally LOL⁠⁠Website: ⁠⁠Stephanie Gilbert⁠

EDUCATION REFORM AND THE AVOIDANCE OF A FEDERAL AI DEPARTMENT Colleague Kevin Frazier. Frazier argues for updating education, starting with teacher training in elementary schools and vocational partnerships in high schools, to prepare students for an AI future. He advises against creating a federal Department of AI, suggesting society should adapt to it as advanced computing rather than a unique threat. NUMBER 121921 FRANCE

SHOW SCHEDULE1-17-251895 PARISLAS VEGAS TUNNELS AND THE RELOCATION OF THE ATHLETICS Colleague Jeff Bliss. Jeff Bliss reports on the expansion of The Boring Company's tunnels in Las Vegas, which use Tesla cars to alleviate traffic congestion. He also discusses the Athletics baseball team's temporary move to Sacramento and the legal complications regarding their team name as they prepare for a permanent move to Las Vegas in 2028. NUMBER 1BIG SUR REOPENS AND COPPER THEFT PLAGUES CALIFORNIA Colleague Jeff Bliss. Highway 1 in Big Sur has reopened after landslide repairs featuring new concrete canopies to protect the road. Bliss also details how copper thieves have crippled infrastructure in Sacramento and Los Angeles, contributing to broader political dissatisfaction with Governor Gavin Newsom regarding crime and the state's management. NUMBER 2FEDERAL IMMUNITY AND THE ICE SHOOTING IN MINNEAPOLIS Colleague Professor Richard Epstein. Professor Richard Epstein analyzes the legal battle over whether ICE agents have immunity from state prosecution following a fatal shooting in Minneapolis. He explains the complexities of absolute versus qualified immunity, arguing that the agents' aggressive conduct might weaken their defense against state charges in this specific instance. NUMBER 3SUPREME COURT LIKELY TO STRIKE DOWN TRUMP TARIFFS Colleague Professor Richard Epstein. Epstein predicts the Supreme Court will invalidate the Trump administration's emergency tariffs, arguing there is no statutory basis for the trade imbalances cited as justification. He anticipates a fractured decision where a centrist block of justices joins liberals to rule that the executive branch exceeded its authority. NUMBER 4MEXICO'S ALIGNMENT WITH DICTATORS AND INFRASTRUCTURE FAILURES Colleague Mary Anastasia O'Grady. Mary Anastasia O'Grady discusses Mexican President Claudia Sheinbaum's ideological support for the Cuban and Venezuelan regimes, including increased oil shipments to Havana. She also details a recent train derailment on Mexico's interoceanic line, attributing the failure to secrecy and no-bid contracts managed by the military. NUMBER 5ITALY STABILIZES PENSION COSTS AND CELEBRATES PASTA TARIFF CUTS Colleague Lorenzo Fiori. Lorenzo Fiori reports that despite high pension costs, Italy's economic reforms under Prime Minister Meloni have stabilized the system by increasing employment. Fiori notes that Italy's deficit and inflation have dropped significantly, and he celebrates the US decision to slash tariffs on Italian pasta imports. NUMBER 6SPACE STATION RETURNS, NUCLEAR MOON PLANS, AND BOEING STRUGGLES Colleague Bob Zimmerman. Bob Zimmerman discusses the early return of an ISS crew due to a medical issue and expresses skepticism about NASA's plan for a lunar nuclear reactor by 2030. He also highlights that the Space Force is shifting launches from ULA to SpaceX due to reliability concerns. NUMBER 7GLOBAL SPACE FAILURES AND CHINA'S REUSABLE CRAFT CLAIMS Colleague Bob Zimmerman. Zimmerman analyzes a failed Indian rocket launch that lost multiple payloads, though a Spanish prototype survived. He also critiques the European Space Agency for delays in debris removal missions and casts doubt on China's claims regarding a "new" reusable spacecraft, suggesting it relies on older suborbital technology. NUMBER 8DATA CENTERS STRAIN THE ELECTRICAL GRID Colleague Henry Sokolski. Henry Sokolski discusses the surging demand for electricity driven by AI data centers and the White House's proposal to auction power access. He argues that tech companies should finance their own off-grid generation, such as nuclear or gas, rather than forcing ratepayers to subsidize new transmission infrastructure. NUMBER 9ELON MUSK AND THE GOLDEN DOME DEFENSE PROPOSAL Colleague Henry Sokolski. Sokolski evaluates Elon Musk's proposal to create a "Golden Dome" missile defense system for the US. While the concept involves space-based sensors, Sokolski notes concerns regarding monopoly power, the reliance on a single contractor for national security, and the undefined costs of ground-based interceptors. NUMBER 10ECONOMIC LIBERTY AND THE LABOR MARKET IN THE AGE OF AI Colleague Kevin Frazier. Kevin Frazier explores how AI is reshaping the economy, noting that liberal arts graduates may be better positioned than STEM majors to handle new information synthesis. He advises legislators to focus on job creation and a fluid labor market rather than trying to protect obsolete professions through regulation. NUMBER 11EDUCATION REFORM AND THE AVOIDANCE OF A FEDERAL AI DEPARTMENT Colleague Kevin Frazier. Frazier argues for updating education, starting with teacher training in elementary schools and vocational partnerships in high schools, to prepare students for an AI future. He advises against creating a federal Department of AI, suggesting society should adapt to it as advanced computing rather than a unique threat. NUMBER 12SOVIET UNION'S SECRET 1972 LUNAR BASE AMBITIONS AND THE N1 ROCKET FAILURE Colleague Anatoli Zak, Publisher of RussianSpaceWeb.com. Anatoli Zak explains that in 1972, the Soviet Union pursued the L3M project to establish a permanent lunar base, refusing to concede the moon race immediately. However, repeated failures of the N1 rocket and the financial strain of competing with the US Space Shuttle eventually forced the program's cancellation. NUMBER 13ISS LAUNCHPAD ACCIDENT AND RUSSIA'S NUCLEAR ROLE IN CHINESE MOON BASE Colleague Anatoli Zak, Publisher of RussianSpaceWeb.com. A launchpad collapse has halted Russian cargo missions to the ISS, endangering the propellant supply required for critical orbit maintenance. Zak also details Russia's attempt to join China's lunar ambitions, with the Kurchatov Institute developing a nuclear reactor to provide electricity for a future Chinese moon base. NUMBER 14PERU NAMED NON-NATO PARTNER AS US COUNTERS CHINESE INFLUENCE Colleague Oscar Sumar, Deputy Vice Chancellor at Universidad Científica del Sur. Oscar Sumar discusses Peru's designation as a US non-NATO partner, a move designed to counter Chinese geopolitical expansion through infrastructure like the Chancay port. Sumar warns that while cultural ties are strong, the Chinese Communist Party poses a threat to Peru's democratic stability and political transparency. NUMBER 15ECONOMIC SLOWDOWN INDICATORS AND SECRECY AT THE WHITE HOUSE Colleague Jim McTague, Former Washington Editor of Barron's. Jim McTague observes unusually light traffic and retail activity in Washington, D.C. and Lancaster, signaling a potential economic slowdown. He notes blocked views of White House construction and predicts a recession driven by rising state taxes and the depletion of pandemic-era stimulus funds for local governments. NUMBER 16

PREVIEW FOR LATER REIMAGINING AI REGULATION BEYOND THE SKYNET MYTH Colleague Kevin Frazier, University of Texas Law School. Frazier argues against regulating Artificial Intelligence through a fearful "Skynet mentality," suggesting it is better viewed simply as advanced computing known since 1956. He recommends treating AI not as a bespoke technology but as part of a broader portfolio of technological changes, including quantum computing and robotics.JANUARY 1931

Produced by Joseph Cottrell, Wayne Hall, Ken Fuller and Jeffrey Crecelius Preston Frazier This week Mark and I welcomed our longstanding friend, Preston Frazier, onto the show to talk about his (relatively) new book, ‘Yes Indeed - Yes without Jon Anderson'. It's a fascinating and very different kind of Yes book, as you'll discover. As always, Preston was full of fun, even when we posed him some of the most difficult questions we have ever asked on the YMP. He took these in his stride, of course and I'm sure you will enjoy the conversation as much as we did. Why did Preston write this book? What was his approach? Is this book similar to any other books about Yes? Let us know what you think in the comments below. In “Yes Indeed: Tales from Yes Without Jon Anderson,” music journalist Preston M. Frazier delves into the transformative eras of the legendary progressive rock band Yes during the times when their iconic frontman, Jon Anderson, was absent. Through meticulous research and insightful analysis, Frazier chronicles the band's resilience and evolution, shedding light on the albums, tours, and lineup changes that defined these pivotal periods. This compelling narrative offers readers a deeper understanding of Yes's enduring legacy and their ability to innovate beyond expectations. Amazon UK - https://amzn.eu/d/3JAepSr Amazon US - https://a.co/d/8pQIRP9 Barry Plummer 2026 Calendar is still available! ORDER HERE YMP Listener discount code - KVKBKC8Z Enrich your Prog year with iconic images of Yes in the 1970s, taken by the legendary rock photographer, Barry Plummer. Enjoy 12 beautiful colour and black and white photographs of Yes in the studio and live, capturing the essence of the world's greatest progressive rock band. With this limited-edition calendar on your wall throughout 2026, you'll agree that Barry Plummer is, indeed, the Master of Images! (A flat shipping fee will be added at checkout depending on your location.) ORDER HERE Yes - The Tormato Story & Tales from Topographic Oceans - Yes Album Listening Guide Available now! YesMusicBooks.com YMP Patrons: Producers: Joseph Cottrell Wayne Hall Ken Fuller Jeffrey Crecelius Patrons: Aaron SteelmanLindAl Dell'AngeloLobate ScarpBarry GorskyMark BaggsBill WhittakerMark James LangBob MartilottaMark SlaterBrian HarrisMartin KjellbergBrian SullivanMichael HanderhanChris BandiniMichael O'ConnorCraig EstenesMiguel FalcãoDave OwenPaul HailesDavidPaul TomeiDavid HeydenRachel HadawayDavid PannellRobert NasirDavid WatkinsonRobert VandiverDeclan LogueRonnie NeeleyDemScott ColomboDoug CurranSimon BarrowFergus CubbageStephen LambeFred BarringerSteve DillGary BettsSteve LuziettiGeoff BailieSteve PerryGeoffrey MasonSteve RodeGuy DeRomeSteve ScottHenrik AntonssonSteven RoehrHogne Bø PettersenTerence SadlerTodd DudleyThomas DeVriesJohn CowanJohn ThomsonJohn HoldenJohn ViolaJamie McQuinnTim StannardDouglas Caldwell Become a Patron!

In today's episode, we update you on and break down all of the latest Georgia Football roster news including RBs Nate Frazier and Chauncey Bowens resigning with the Dawgs, NFL decisions from K Peyton Woodring and OL Monroe Freeling, another transfer portal addition, and much more! After that, we recap Georgia Basketball's weekend road win over South Carolina and preview Wednesday's game against Ole Miss. ______________________________________ Turn football season into winning season by signing up for a new account at MyBookie.ag! Use promo code UGA and get your first bet fully covered up to $500! Make sure to visit Alumni Hall for the best selection of Georgia gear and accessories anywhere on planet Earth! MAKE SURE TO SUBSCRIBE TO THE GLORY UGA PODCAST YOUTUBE CHANNEL FOR MORE IN-DEPTH GEORGIA SPORTS CONTENT! Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Are we living in the moment? Are we really free? How can we transcend the constant anxieties of our mind? Throughout history, certain people in the West and the East have claimed that the human mind could reach states of so-called higher consciousness. In the twentieth century, several thinkers like Heidegger and Nietzsche returned to this possibility, trying to find the higher regions of the mind. Join Oxford philosopher Jessica Frazier as she explores tales of higher states of mind, and debates whether these experiences are scientific, spiritual, or pure esoteric imagination.Please do email us at podcast@iai.tv with any of your thoughts or questions on the episode!To witness such debates live buy tickets for our upcoming festival: https://howthelightgetsin.org/festivals/And visit our website for many more articles, videos, and podcasts like this one: https://iai.tv/You can find everything we referenced here: https://linktr.ee/philosophyforourtimesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Mike Johnson, Beau Morgan, and Ali Mac react to the biggest and latest college football headlines.

As the Seattle Seahawks head into the NFL playoffs as the number one seed in the NFC, Leslie Frazier, Assistant Head Coach, speaks with Jim Daly about modeling a life of integrity and maturity in the NFL while pouring into men's lives. Frazier shares about the people who shaped his life as a young man, player, and coach. He also reveals a longstanding fellowship of coaches in the NFL who are "iron sharpening iron," as they study God's Word and grow spiritually. We all love rooting for our favorite sports teams, but the stadium is only part of a larger arena in life: God’s kingdom. What does faith look like both on and off the playing field? In this special collection, you’ll hear powerful testimonies from athletes with memorable track records in sports and an even greater legacy in faith. Featuring guests like John Smoltz, Darrell Waltrip, Scott Hamilton, Benjamin Watson and more! Buy your copy of Jim Daly’s book, ReFOCUS! He shares how believers can engage others in the culture with the love of Christ and reveal the heart of God. Encounter with God is for Bible readers seeking to deepen their understanding of God's Word. Encounter with God leads you through the entire Bible in six years. A weekly podcast, Encounter with God Together, is available each Monday with featured guests who share their insights on upcoming passages from Encounter with God. Tony Dungy's Family, Surviving Suicide SUPPORT REFOCUS! GIVE HERE! Send your feedback or questions to Jim in the Contact Form.

In this episode, I am joined by my colleague, Keyah Frazier, for a deep dive into the art of goal setting and vision planning. We explore the power of incorporating new ideas—like setting a "theme" for the year—to maintain long-term motivation. We also compare their individual goal-setting styles, highlighting that there is no "one-size-fits-all" approach to personal growth. Whether you are a rigid planner or a fluid dreamer, this conversation is all about discovering the unique systems that work best for you. Shout Outs and Plugs Keyah LinkedIn:  If you have a question for the podcast call 571-336-6560 or leave a question via this Google Form. Five Minute Journal by Intelligent Change Affiliate Code: https://www.intelligentchange.com/?rfsn=4621464.017186 Tappy Card "Electronic Business Card" Affiliate Code:  https://tappycard.com?ref:philip-wilkerson Please leave a rating/review of the Podcast https://lovethepodcast.com/positivephilter Intro music provided by DJ BIGyoks. Check out his Instagram and Soundcloud channel can be found here:  https://www.instagram.com/beats.byyoks/ https://soundcloud.com/dj-bigyoks Outro music provided by Ryan Rosemond. Check out his Soundcloud channel here: https://soundcloud.com/brothersrosemond/albums  Purchase "Forty Years of Advice" by Philip Wilkerson: https://a.co/d/2qYMlqu Leave Your Feedback by filling out this audience survey: https://forms.gle/ncoNvWxMq2A6Zw2q8 Sign up for Positive Philter Weekly Newsletter: http://eepurl.com/g-LOqL Please follow Positive Philter: Positive Philter Facebook Page Positive Philter Twitter Positive Philter Instagram  If you would like to support the podcast, please consider donating to the Positive Philter Patreon page: https://www.patreon.com/positivephilter Positive Philter was selected by FeedSpot as Top 20 Positive Thinking Podcasts on the web. https://blog.feedspot.com/positive_thinking_podcasts/ Jeff's Anti-Hunger Fund The Positive Philter Podcast is dedicated to Jeff Kirsch. A long-time supporter of the show and a major influence on this show's growth. Please support the careers of future advocates by donating to the Jeff Kirsch Fund for Anti-Hunger Advocacy. This fund was named after Jeff Kirsch for his decades of service in fighting hunger and inequality. Link to fund: https://frac.org/kirschfund Pats for Patriots  If you are a member of the #MasonNation, please consider sending a Pats for Patriots. Pats for Patriots are a free and easy way to thank, recognize, show appreciation for a Mason colleague or student who has taken the time to do something kind, generous or thoughtful towards others. For more information, visit: https://forms.office.com/r/HRZGvhdJEA We have received more than 2,000 nominations from the Mason community so far. Keep those nominations coming in! Steam Pilots Program Steam Pilots, Inc. is a Virginia-based 501(c)(3) tax-exempt organization. Their goal is to improve the state of STEAM education in America. STEAM stands for Science, Technology, Engineering, Art, and Math. They achieve this through pro bono programs delivered to K-12 students and institutions in the Washington, D.C. metropolitan area. Steam Pilots is hoping to raise funds for STEAM kits, supplies, and modest stipends for the interns who work with me. Currently, they have an urgent need for 3D Printers, Robotics Kits, and Cybersecurity teaching tools. Link to GoFundMe:  https://gofund.me/38eeaed2

The Buckeyes are hosting one of the top running backs in the transfer portal.In this episode of the Buckeye Weekly Podcast, hosts Tom Orr and Tony Gerdeman discuss the upcoming visit of former Michigan State running back Makhi Frazier. The fellas discuss Frazier's time at MSU -- including his 100-yard performance against Michigan this season, how he could fit into the Ohio State offense, and much more.

Send us a textIt's a new year, which means your feed is flooded with goal-setting posts, vision boards, and all the same recycled motivation. But here's the truth: None of that matters without execution. In this episode, Frazier and Michael torch the traditional January BS and get straight to what actually drives success in 2026.You'll hear why most loan officers set goals that are more about ego than execution—and how that mindset will keep you broke and burned out. We break down the difference between real commitment and performative goal-chasing, and give you the mental framework needed to stop resetting your goals and start finishing them.No gimmicks. No cute quotes. Just a full-throttle conversation about what it actually takes to win this year—and why headlines might be your best strategy yet.

@1QLeadership Question: What exactly is the problem in college athletics? Sean Frazier, VP of Athletics and Recreation at NIU, discusses how and why the Huskies is restructured its conference affiliations, and also explores how new financial models can help sustain athletics without burdening the institution.   Frazier explains NIU's strategy to "decouple" football from its traditional all-sports conference, moving football to the Mountain West, Olympic sports to the Horizon League, and wrestling to the Pac-12 to reduce travel costs, increase media revenue, and better align regionally while maintaining academic and athletic standards   He describes the financial and strategic logic behind this model, including regional scheduling savings, expanded media markets, and using new conference affiliations to enhance both the university's athletic profile and potential academic and research partnerships   The discussion also explores private capital and private equity in college sports, distinguishing capital from equity, examining venture-capital-style investment, and emphasizing the need for entrepreneurial thinking and stronger governance to address new expenses like revenue sharing and NIL without compromising core academic values   A frequent guest on 1Q, Frazier has always thought strategically, and creatively, about the intercollegiate athletics community and how to position all involved for success. - One Question Leadership Podcast - Tai M. Brown

Send us a textIn this special New Year's edition of The MLO Project, Frazier and Michael tackle two hot headlines shaping the future of the mortgage industry. From National Mortgage News' prediction that 2026 will be the industry's “reset year” to HousingWire's deep dive on the growing dominance of DSCR loans—this episode is packed with straight talk, strategic insights, and zero fluff.Frazier breaks down key takeaways from the “2026 reset” article, calling out the recycled advice on chasing shiny objects, while uncovering powerful truths about layered affordability solutions and compliance complacency. Michael fires back with a deeper look at DSCR momentum, TCPA liability, API key nightmares, and why brokers need to wake up about their exposure.Whether you're fired up for growth or still dragging from 2025, this conversation is your reality check heading into the new year.

In this special episode of Truth Be Told, Dave Thompson, CFI is joined by Nate Frazier—Founder and CEO of Red Knot Capital—and the thinking behind Red Knot's acquisition of Wicklander-Zulawski. Through stories that span forensic interviewing, global leadership, mergers, and crisis management, Nate shares why Wicklander's legacy, science-based methodology, and commitment to humanity made it a natural fit. This conversation isn't just about a transaction—it's about trust, stewardship, and what it looks like to honor a 40-year foundation while positioning a respected institution for its next chapter. If you care about communication, leadership, and doing difficult work the right way, this episode sets the tone for what's ahead. Check out the press release here: Red Knot Capital Acquires Wicklander-Zulawski: Global Leader in Investigative Interviewing; Dave Thompson, CFI Named CEO - Wicklander-Zulawski Learn more about WZ Training for your professional development!   This acquisition is about stewardship, not disruption Nate is clear that Red Knot's role is to protect what already works at Wicklander-Zulawski while giving the company the support and resources to evolve responsibly—not to change its DNA or dilute its values . Nate's career path mirrors the Wicklander mindset From forensic interviewing roots to leading massive organizations through mergers, crises, and turnarounds, Nate's journey reinforces a core WZ belief: strong communication, preparation, and empathy scale at every level—from interviews to boardrooms . Investigative interviewing skills are leadership skills The episode draws a direct line between rapport-building, behavioral baselines, and influence in investigations—and the same skills used to lead teams, negotiate acquisitions, and guide organizations through uncertainty . Legacy matters—to Red Knot and to Nate personally Nate speaks candidly about why Wicklander stood out: a 40+ year track record, a system grounded in science and humanity, and a reputation built on integrity rather than shortcuts or coercive practices . People—not playbooks—drive sustainable success Across every role Nate has held, one theme is consistent: businesses win when leaders invest in people, respect human behavior under stress, and treat communication as a core operational capability . Change is inevitable—but it doesn't have to be destabilizing Having lived through acquisitions from every angle, Nate acknowledges the fear that comes with ownership changes while emphasizing that transparency, preparation, and respect for culture make growth possible without chaos . The future of Wicklander is expansion with intention This partnership creates opportunities to bring Wicklander principles into new industries and verticals—without compromising the standards, ethics, or humanity that built trust in the first place .

Candi Frazier is the founder of Primal Bod. She's a Board-Certified Functional Nutritionist and Medical Professional Nutrition Educator renowned for helping modern humans eliminate stubborn body fat using natural solutions. Show partner: BiOptimizers - Save 15% off Magnesium Breakthrough by using the code "JESSE15" at checkout Show notes: https://jessechappus.com/684

We have Mike Monaghan on the show today and covering the “Birth of an ETF.” He’s going to talk about the Founders ETF and its new launch. We’re also going to talk a little bit about what it takes to get an ETF up and running. From a compliance perspective, remember, there’s no guarantee of future performance. https://youtu.be/o-m3PYHKXqk?si=qBaHkJpUt7xgdpjG Transcript of “The Birth of an ETF” 00:00 The Founders ETF Frazer Rice (00:00.986)Welcome back, Mike. Michael Monaghan (00:02.616)Frazer, it’s great to be back. Frazer Rice (00:04.4)You are at an interesting point in time right now. You’re about to start up Founders ETF and I think you’re about to get trading authorization to get going. Maybe tell us a little bit about the process to set up an ETF. Then we’ll dive into the strategy a little bit. Michael (00:21.25)Yeah, absolutely right. We should start trading on the SIBO Thursday, so two days from now. And we’ve launched our first fund, the Founders 100, that owns the 100 best founder-led companies. I’d be happy to go through some of the process that it takes to set up an ETF. Frazer Rice (00:40.014)Love it. ETFs are the main way to go now in terms of getting an inveestment cvhicle up and running. What has your experience been around? The Popularity of the ETF Structure Michael (00:52.014)Yeah, so ETFs have become the primary investment vehicle for a few reasons. Let’s outline those reasons. Then we can go through some of the steps that it takes to set up an ETF. So on the advantage side of an ETF, they’re typically a bit lower cost than traditional mutual fund products. Importantly, they’re tax advantaged. So there’s no gains or losses that occur during the normal ETF growth phase. Everything that happens within the ETF is done with what’s called an authorized participant. So you do exchanges. And so there’s no capital gains that are assigned to the investors. As long as they hold the ETF, a tax trigger only occurs when they actually sell the ETF. Finally, it’s a great way to get exposure to the market. So whether you want to own a broad market index, one of the legacy indexes, or a vehicle like ours. That gives you in one single trade, rather than having to guess who’s going to win. Is Nvidia going to win or Palantir who’s going to win? You can own a hundred of the best winners in the market in one single stock ticker. In our case, FFF. Frazer Rice (02:07.364)So let’s dive into that theme a little bit. As you said, it’s the top hundred founder led companies. First and foremost, public I assume, private, you’re not diving in those waters. Public vs Private Michael (02:20.59)Correct. So these are the hundred best publicly traded founder led stocks. And we generally fish from the 200 largest founder led publicly traded stocks. So a lot of these are names and founders that are very well recognized. Whether it’s Elon at Tesla or a Mark at Metta, Larry at Oracle, Rich Fairbanks at Capital One. These are all very well known founders. They’re great entrepreneurs who are leading highly scalable, very high performing publicly traded stocks. 02:53 Understanding Founder-Led Companies Frazer Rice (02:53.914)So let’s define founder a little bit. Obviously we have sort of the cult of personality around high-end CEOs. It sounds like you’re identifying companies that have been founded. The people who are running them not only founded them, but they scaled them. They have now gotten them to a level of maturity. That’s different from the typical public company that we find in the S &P 500. Definition of Founder Michael (03:19.104)Yeah. So first let’s define a founder. Then let’s talk about why we think the founder led companies outperform a traditional S&P company. We define the founder as being a chief executive leader. It could be chief executive officer, could be chief technology officer. Sometimes that say a scientific or medical company, would be the chief scientific or chief medical officer. And that person conceived and founded the company, took it from zero to one. It’s their imprint that has guided it over its 10 or 20 or 30 year period. That’s taken it from a small private company to a venture backed company to a large publicly traded company. And so the idea being the person that founded it continues to run it to this day. We talk about the fact that we own an Nvidia that Jensen still runs. But we don’t own Intel. We own Meta because Mark still runs it, but we don’t own Google. We own Dell computer because Michael Dell still runs it. But we don’t own Apple. We own Capital One because Rich Fairbank still runs it, but we don’t own American Express. Investment Process Frazer Rice (04:25.86)Got it. So lots of things to get into here. How does it a company get on your radar screen? And then ultimately, how does it get off of it? Michael (04:35.806)Great question. the getting on the screen is fairly mechanical. We look at the 200 largest by market capitalization founder led stocks. So we look at all U.S. listed. So it could be listed on the New York Stock Exchange or NASDAQ, but it has to be U.S. listed. We then look at the 200 largest. And from there, we select the 100 best using a quantitative factor model. So I’m have a Sanford Bernstein background and so do some of the folks here. And so for folks who are familiar with Bernstein’s research, we use a Bernstein factor model to pick the best, the hundred best names out of the 200 largest. That’s how they get on our radar. And to get off is quite simple if they retire. So if a CEO announces he’s retiring, per the prospectus, we have 90 days to sell the stock. once we, so for example, Mr. Buffett recently stepped down from Berkshire Hathaway. And so we sell Berkshire Hathaway on his announcement and no longer own the stock. Frazer Rice (05:38.0)things like corporate mergers or divestitures or maybe even a reclassification of stock where the founder stays on in some capacity but their decision making has been reduced. How do you analyze that? 05:54 The Investment Strategy Behind the ETF Michael (05:54.326)Yeah, so there is some human overlay judgment calls here and the founder has to be an executive officer leading the company. So they can’t just run a division. They can’t just be chairman of the board. They have to be the executive in charge of running the company. Frazer Rice (06:14.0)And if for, I guess one of the exits possibly would be if, and I don’t know if this is even possible, but if NVIDIA were to take over Meta and there isn’t room for Jensen and Mark in the same suite, how do you analyze something like that? Michael (06:34.253)So in the business combinations where you have two founder-led companies or a non-founder-led company swallowed up by a founder-led company, as long as an original founder remains, it remains in the portfolio. So we’ve had some stocks that had, say, three to four co-founders. And as long as one of those co-founder remains, it remains in the portfolio. Voting Shares Frazer Rice (06:58.352)So one of the things that’s a bee in my bonnet is the concept of having shares where, in a sense, they’re super majority or voting components and then shareholders that have less decision making authority to act as a check and balance around the company. Is that something you’re not really that worried about or is it something that may be a factor that’s important later on? Michael (07:24.525)So we actually think that’s one of the opportunities that this exists. Like one of the things that we haven’t talked about yet is why is all this alpha there? Why is this uncaptured alpha there for us to go get? And we think historically in the past, active money managers have sometimes shied away from these founder led companies because to your point, Frazier, oftentimes the founder has managed to have super voting control, 10 to one shares, 101 shares. So they completely control the company. And some of these larger active money management complexes have said, well, we as the shareholder, we need to be able to have a vote and we’re going to underown these stocks. We have the opposite view. We think these founders are special. So we think that by the time a Mark or a Elon has driven their company into the public markets, they’ve showed that they know how to set the vision, ruthlessly execute and generate value for the shareholders. Concerns? And so we’re not concerned by super voting structures. Oftentimes those are the stocks that we want to own because it’s the founder that’s in control and setting the direction of the business and generating high returns for the shareholders. We view it as you either believe in them and you own the stock or you don’t believe in them and sell the stock. We’re not interested in other people’s getting on the board and monkeying with the decisions of the founders. Frazer Rice (08:30.255)Is this it? What is it about the founders, especially for those that go from zero to one, then to scale, and then to shepherding a mature business? What makes them better and what drives the alpha that you’re trying to seek? In terms of putting together a portfolio of these types of companies? 09:01 The Importance of Founders in Business Michael (09:02.891)Yeah, so the great ones tend to be a bit irreverent. They tend to be highly visionary. They tend to be charismatic communicators and relentless in their execution ability. They’ve got a great ability to pivot if a change needs to be made. And rthe moral authority to set a tone to generate very high rates of return. We see it sort of over and over and over in these founder led companies. And if you look at some of the studies that we’ve done. There’s a study that Bain Capital, Bain had done years ago in combination with Harvard Business Review, founder led companies tend to outperform non-founder led companies in say the S &P 500 by 3X. So it’s this personality type of high vision and high execution tends to drive outsize returns. And it’s a bit of a self-selecting process. What makes Founders Unique? If you think about it by the time any of these founders that we own or talk about have got to the public market. They first had to identify an opportunity to go after. They had to develop a great product by listening to their customers. And they’ve shown that they can scale all the way from a series A round, B, C, D, all the way investing and generating high rates of return in the private markets. Transitions of Founders to Executives They get to the public markets, continue to do that. And now you get a little bit of an effect of a echo of that, of now all of sudden you’re in the public markets. If you get enough scale, you have this highly effective business. Now you’re getting relatively cheap capital that you’re feeding into your business through the public markets. And now you continue to grow. Frazer Rice (10:42.096)Just to summarize at least what I’m hearing is that they’ve gotten to the point of becoming public. They’ve been able to say no to losing control in exchange for either putting some liquidity back in their pocket or otherwise moving on. And so they’ve almost ratified their vision and message and they keep going. And by the fact that they’re public, there’s enough liquidity for everyone else out there in terms of their investments. So it ends up being a win-win. Michael (11:11.157)I think so. That’s what we see. Frazer Rice (11:13.316)So one thing that I’ve been sort of reading about and thinking about is the concept that the number of public companies is becoming less, well, it’s decreasing, and that many people are able to stay private for longer. Do you worry that your universe is going to get too small to provide sort of a canvas for your ideas here? 12:02 Market Trends and Future Outlook Michael (11:37.549)Let’s talk about three phases of that. We don’t, we actually see the data showing that there’s more and more opportunities within founder led. So let’s look at history and then let’s move to the future. So historically, probably about the time you and I joined the securities business, they would actually take the, to your point, they would take the founder, they would kick out this charismatic founder. They would put in some mid-level proctor or GE middle level manager to be the you know, the suit in the room to take the company public. And that was sort of in the late nineties and people figured out that wasn’t such a good idea. So if you actually look at the chart, there’s more and more founders staying and leading their public, their, their publicly traded companies. That’s number one. Number two. Yes. We have seen some companies stay private, obviously Stripe, SpaceX, but we are now seeing, for example, SpaceX coming to the public markets. Eli is talking about coming next year. so we, we haven’t seen it so far impact the pool with which we can fish in. And as I mentioned, that’s what we saw historically. Public Markets and the Future In the future, think, Frazer, I think we’re going to start to see a conversion of public and private markets, meaning these private mega cap companies have liquidity. And I think that you’ll see more and more ability to trade those stocks almost in public liquidity. So I think these two markets are converging. So I think that Not only do we have plenty of founders in the traditional public markets, I think that the liquidity and the big privates is going to converge to a public market style shortly anyway. Frazer Rice (13:13.232)You’re in a curious time as far as launching an ETF around this concept. I know a lot of people are wary of Mag-7 and ultra valuations and issues related to that. How do you respond to that concept that a lot of the growth has taken place in seven, maybe seven out of the hundred that you’ve chosen? Debunking the Mag-7 (to the Mag-3) Michael (13:33.356)Yeah, so that’s a misconception. We see Mike Saylor get on TV and wave his arms around it, but it’s not really true. First of all, what’s interesting, if you tear apart the Mag-7, it’s actually the Mag-3. The outperformance in the Mag-7 has come from Meta, Tesla, and NVIDIA. So it’s not just the Mag-7, it’s a founder led. And now you say, well, that’s a small sample set. Let’s look at a bigger sample set. So if you look at the NASDAQ 100, for example, It’s actually the 20 founder led companies have driven most of the outperformance over the last 25 years. And what I’m about to tell you about the S &P 500 probably won’t surprise you. It’s the 37 founder led companies that have driven most of the outperforming the S &P 500. So the outperformance is coming from founders, not from any specific part of the market. And one of the things that we think is great about this ETF is to avoid concentration. 14:50 Risk Management I know you’re really familiar with the concept of active share and that’s how different you are than the S &P 500. We have an 85 % active share to the S &P 500. So if you own the founders 100 ETF, you have much different exposure to the market than say the S &P 500. And so we think it helps reduce some of that concentration. We’ve done some things to make sure that we are diversified. First of all, we do own 100 stocks. Diversification So really good diversification across that. And then number two, while we run a market weight portfolio, we cap. No stock can be bigger than 7 % of the portfolio, so we don’t get out of balance at any point. So we think that we mitigate some of those concentration risks and we allow people to invest in innovation without being over concentrated to any one name, say the MAG-7, for example. So we think that we’re giving our investors really good exposure to innovation through the founders, but not exposing them to pre-existing market concentrations. And then finally remind everyone It’s not the MAG-7, it’s not the NASDAQ-100, it’s not the S &P-500, it’s the founders within each of these are what are driving the outsized performance in those analytical groups. Frazer Rice (15:36.218)So from a diversification standpoint, obviously not everything in one name, the 7 % cap you described, do you have sector concentration guidelines as well? Michael (15:45.749)We don’t have sector concentration guidelines, but if you look at the nature of the portfolio, we were fairly well diversified. We’re slightly overweight tech and financials versus say the S &P, but we own healthcare stocks, own consumer stocks, we own energy stocks. So we’re giving you a broad exposure to the market. Leverage Frazer Rice (16:05.924)Let’s talk about leverage for a second. I know a lot of people are trying to juice returns by piggybacking off of other people’s money on that front. Does that have a place in your ETF? Michael (16:17.004)So there’s no leverage in the ETF. We sort of believe in get rich the slow way. I like to tell people that it’s very hard to make money in the stock market over the short term, but it’s not particularly difficult over the very long term. think Mr. Munger and Mr. Buffett used to talk about this. the idea being, leverage can impact you in times that are not favorable. So we believe in just owning the stocks unlevered, let them compound over very long periods of time. And we think that by doing that, we and our shareholder, we think our shareholders can generate wealth over very long periods of time. Taxes Frazer Rice (16:54.98)So tax efficiency, the concept of holding period, does that play into your process at all? Michael (17:04.316)So remember within the ETF, as long as you’re managing your trading properly within the ETF, there’s no tax implications inside of it for your shareholders. Your shareholders only would be impacted at selling. So assuming they hold the stocks for over a year, any gains would be long-term capital gains treatment. Frazer Rice (17:27.024)And when you’re describing the investor profile that you’re looking to attract here, who is this for? Michael (17:35.916)Yeah, so the person that, you we really think it’s appropriate for you if you have a five year or more holding period and you want to have long-term capital appreciation. You know, if your goal is to be exposed to the best minds and public securities, that’s the founder led companies, and you want to compound your wealth over a very long period of time and have a high probability of outperforming the traditional broad market indexes, this ETF is designed for you. 17:59 Investor Profile and ETF Positioning Frazer Rice (18:04.705)And as you’re sort of outlining that profile and for those people who are trying to figure out where this fits in from an equity allocation perspective, you’re in charge in many ways of the spoke of a hub and spoke component of people are really sort of looking at indexes as the base of their equity portfolio. What are you looking for? What kind of benchmarks do you sort of measure yourself against? Michael (18:35.007)Yeah, so we think this is absolutely a core holding. So if you’re looking to build out you or your client’s portfolio, we think this should sit at the core. It is on the growth side, so it’s core growth. We think that it is a one-for-one replacement for, the NASDAQ 100. Or, for example, somebody holding the triple Qs. We think this is a better holding than the triple Qs. So we benchmark ourselves against them and against the S &P 500. Ee look at beating those two broad market indexes, generating better risk return for our investors. Frazer Rice (19:13.019)For those listeners that are out there and want to find out more, what’s the best way that they can either get a hold of you or maybe even better, do you have a ticker symbol ready that people can discover? FFF and Contact Information Michael (19:25.215)Yeah, absolutely. So the ticker is FFF. So that’s the FFF ETF that we’ll trade on. And investors can find that at their favorite brokerage firm, whether they’re Schwab customers, Interactive Brokers customers, Fidelity customers, trades under one ticker, just like a stock. Frazer Rice (19:44.365)And let’s take, we have a few minutes to go here, which is great. Your experience in terms of establishing the ETF, maybe a couple of some of the touch points when you went from vision to execution here, what was the process? Michael (20:00.106)Yeah, so ETF has a few basic processes that are regulated under the 1940 Securities Act. And so a lot of those rules are set up to protect the end investors. So for example, the securities live within a trust. So we set up our own trust. Some people use a mingled trust. We thought it was better for our end investors to have our own trust that we set up that has an independent trust board that oversees to make sure that we’re executing our strategies as we’ve outlined in the prospectus to make sure that we’re Doing the best we can for our investors. You’ve got to set that up There’s a few firms that do the plumbing for the for the ETFs would say US Bank is probably the largest player. So US Bank provides our our fund custody and fund administration and then there’s just a few other vendors in the space that sort of help with all the plumbing to make sure that the ETF runs smoothly. So it’s probably a six month process if you stay really focused to get all of that set up. 20:58 Navigating the ETF Launch Process Frazer Rice (21:03.313)You get that set up, how do you approach the Schwabs and the Fidelitys and the other platforms to make sure that people can access, buy, sell, whatever they want to do with your ETF? Michael (21:14.347)Yeah, that’s a great question. So the online brokerages typically put you on the platform as soon as you’re listed on a major US exchange. So you’ve got to get listed on NASDAQ, NYSE or CIBO. We chose CIBO. So again, on the traditional online brokers, you’re there day one. And then the big wire houses, JP Morgan, Goldman, Morgan Stanley, BAML, they typically have a few hurdles that you’ve got to get through, whether it’s daily trading liquidity assets under management. And over time, as you run the wickets through their process, you’re added to those platforms. Macro Issues? Frazer Rice (21:48.721)We live in a political age and a time when there’s just chaos everywhere, different types of rules in order to allocate capital. If you’re an investor trying to guess what’s happening politically, et cetera, that are difficult, you must be positive as far as the environment for founders to find success in this country and beyond. Is there anything that you’re looking for to make sure that those conditions hold? Michael (22:18.225)Yeah, we don’t really look at the macro or political backgrounds. think over very long periods of time, U.S. innovation outperforms. so we sort of we think that, again, one of the great things with investing in founders is they keep adapting as the background changes behind them. So we think over very long periods of time, the U.S. has great economic growth. And for those people that have worried about little blips along the way, we think the founders are the absolute best at mitigating those blips. Frazer Rice (22:48.334)I like to say you bet against America at your own peril and it sounds like from a founder perspective it’s still a great place for them to locate their businesses and grow them here. Michael (23:01.042)Absolutely. 23:50 Final Thoughts and Contact Information Frazer Rice (23:02.971)Just to reiterate, FFF is the ticker symbol for people to find it. any other contact points for people to find you if they’re interested in what you’re putting together. Michael (23:15.613)Yeah, so we have a great website at FounderETFs.com. can go check out there or anyone’s happy to email me, just michael at FounderETFs.com. Happy to chat with anyone who has interest about the portfolio, the strategy, or what we’re building. Frazer Rice (23:32.197)Well, great to have you back on, Mike. Thank you for putting up with my attempt at looking like Steve Jobs. It’s 25 degrees in New York here, and I am the stupid one who’s not in California or somewhere warm. appreciate you taking the time to be on and talking about your new product. Michael (23:48.011)Yeah, it was great to be on here. Really a huge fan of your podcast and just the level of guests that you’re able to interview and help educate your viewers. Frazer Rice (23:56.849)Mike, thanks for being on. Michael (23:59.061)Thanks a lot, Frazer. https://www.amazon.com/Wealth-Actually-Intelligent-Decision-Making-1-ebook/dp/B07FPQJJQT/ Previously with Mike Monaghan ETF EDUCATION ARTICLES ON ETF.COM

In this episode of Grieve That Shit, Sharon Brubaker introduces a defining moment for The Grief School and the podcast. For the first time, she welcomes Dr. Elijah Frazier and shares the news that The Grief School is now powered by The Frazier Group. This is not an announcement episode filled with buzzwords or credentials. It's a conversation about people, pain, and what real care actually looks like when someone is at their breaking point. Sharon and Dr. Frazier talk openly about why grief cannot be handled by systems, scripts, or one-size-fits-all solutions. They explore the difference between easy work and necessary work, and why healing requires intentional relationships, honesty, and empowerment rather than dependency. Dr. Frazier shares his philosophy of care, his commitment to meeting people where they are, and why building a multidisciplinary team matters when someone's life has been shaken by loss. Together, they explain how grief, mental health, physical health, faith, and life circumstances are deeply connected and why separating them often leaves people stuck. This episode sets the foundation for what's coming next. It introduces a partnership built on trust, integrity, and the belief that grief deserves to be held by people, not processed through a system. This is part one of a two-part conversation. Part two goes deeper into grief, choice, and what it means to move forward without abandoning your pain.

In Part Two of this Grieve That Shit conversation, Sharon Brubaker and Dr. Elijah Frazier move past introductions and into the heart of what grievers struggle with most: choice, accountability, faith, emotions, and permission to heal. This episode challenges one of the most damaging beliefs grievers carry—that grief is something they must endure forever. Sharon and Dr. Frazier speak directly to the idea that pain is inevitable after loss, but staying trapped in suffering is not the only option. They talk honestly about how grief can steal joy, peace, and energy when we are not aware of the choices we are making. Dr. Frazier introduces a powerful metaphor: your joy is on the auction block every day, and too often, people unknowingly give it away to pain, guilt, fear, or other people's expectations. The conversation also dives into faith, anger at God, and the pressure grievers feel to perform spirituality instead of telling the truth. Sharon and Dr. Frazier make it clear that real healing does not require pretending, suppressing emotions, or being "good" in your grief. It requires honesty, boundaries, and the willingness to do the work. This episode speaks directly to the griever who feels stuck, judged, or afraid to move forward. It offers permission to feel fully, question deeply, and still choose healing.  

FLASHBACK FRIDAY! NO FRILLS VERSION (No commercials, no theme songs)! If you enjoy the NO FRILLS version of the podcast, subscribe to our PATREON! Subscribe now ! www.patreon.com/c/shootintheshiznit It's time for a “special edition” of STSPOD ! “Was It Really THAT Good?” E30, Episode 764. Long time wrestling fans always talk fondly of the old days in professional wrestling, so Gene Jackson and Brian Tramel have joined forces to take a look at wrestling shows in the WWE VAULT or on YouTube. This episode they review Stan Frazier. After the Gene & BT are done - they answer “Was It Really THAT Good?” Support the show! Meal replacement in Northeast Arkansas! 15% Off with our code STSPODCLUB at bare870.com. That's 15% off and use our code STSPODCLUB Go to bare870.com Trust Bare for your meal prep needs in Northeast Arkansas. Eat Better. Live Better. Check out Patreon ! Subscribe now ! www.patreon.com/shootintheshiznit Order Morning Shiznit and get free shipping!! arizonabaycoffee.com/ Paypal LINK ! py.pl/15aeX0 Link of all links: linktr.ee/STSPOD Search “Cool Kids Wrestling & MMA Talk” on Facebook to join us ! Search “Shooting The Shiznit” to LIKE the STSPOD FB page !! Follow Lance LeVine on Twitter: @chocolatierLL Sponsored by Spunklube is the perfect blend of water and silicone. It is an all purpose personal lubricant that can be used for any occasion. You will love the natural feeling and look of it. It is safe for sensitive skin. Go to spunklube DOT com and tell them shootin the shiznit sent you ! Follow them on Twitter @SpunkLube Have you used the UBER Eats app? If not, you can download it & get $7 off your first order by using this code: eats-briant24790ue Did you love this week's episode?? Was it worth a $1 ? $2? $100?? Donate to STS by using the Cash app and sending $$$$ to: $BTSTS In partnership with Championship Wrestling on CW30! Every Saturday at Noon on YouTube. Follow them on Twitter: @cw30wrestling Do you wanna be a pro wrestler ? Go to championshipwrestlingmemphis.com and apply for classes that start soon !! LIVE MEMPHIS WRESTLING!! 9.22 & 9.23 | IMPACT Wrestling is coming to Memphis, TN TICKETS + INFO | impactwrestling.com/events/ 9.25.23 | Mid-South Fair with IMPACT Wrestling Digital Media Champion Tommy Dreamer TICKETS | MemphisWrestling.TV 10.1.23 | FREE AEW WrestleDream Watch Party at Dave & Buster's 10.7.23 | FREE WWE Fastlane Watch Party at Dave & Buster's 10.8.23 | Halloween SPOOKtacular featuring Gangrel, Crazzy Steve, KRULE & Kevin Thorne! TICKETS www.eventbrite.com/e/oct-8-memphis…f=oddtdtcreator

Sean Frazier joins to talk about Northern Illinois athletics and the future of the AD position in college athletics. Frazier starts the conversation explaining the strategy behind moving football to the Mountain West while keeping other sports regional with the Horizon League. Will they miss MACtion weeknight games? Sean expresses his concern about outsiders coming into the profession without having an understanding of higher education and the importance of realizing that forgetting about any individual sport could cause an AD to lose their job. Frazier discusses what metrics he thinks are most critical when he is evaluating head coach searches. The conversation shifts to the College Football Playoff and Sean shares his opinion on expansion and the idea of a G6 playoff alongside the CFP. Travis asks Sean to recreate his career if he woke up today as a 30 year old administrator and what he would do to stick out on his journey to become an Athletic Director.0:40 Moving Football to Mountain West & Other Sports to Horizon8:10 Will NIU Miss MACtion?12:10 Biggest Concerns for AD Profession in the Future26:20 AD Vantage: Metrics Frazier uses in a Head Coach Search37:52 Thoughts on College Football Playoff & Creating a G6 Playoff46:35 Sean Recreates his Career as a 30 Year Old AdministratorHEA is presented by PILYTIX, an AI tech company for higher education institutions and sports organizations. Increased Donations. Fast, Effective Targeting. Improved Performance. Learn more: ⁠https://pilytix.ai/ HEA has partnered with AD Vantage for AD Insights and Coaching Hires. AD Vantage empowers athletic directors with comprehensive staff data, performance analytics, and AI-powered candidate insights to make smarter hiring, compensation, and retention decisions in an era where every dollar counts. Learn more: https://www.athleticdirectorvantage.com

Send us a textSome of you need to hear this—not everyone in your life is helping you win. That includes the guy on your LO team who complains every day. That includes your "mentor" who hasn't closed a loan since 2019. And yes, that might even include family.In this episode, Frazier and Michael break down a viral Growth Notes topic: removing toxic people from your business and your life. It starts with the clowns in your comment section—but it runs much deeper. From drama in Facebook groups to legacy LOs poisoning the office with fear and frustration, this episode is about cutting the cord and reclaiming your mindset.What You'll Hear:Why loan officers can't afford to keep toxic voices aroundThe kind of feedback that kills your momentumSocial media etiquette for professionals (read: stop being a hater)When to unfollow, unfriend, and unplugWhy "I've been doing this for 20 years" is a

I still am not sure that I fully believe what I witnessed on Saturday night. A three touchdown lead over Alabama in the 4th quarter. My heart calmly staying put in my chest. Kirby saying his usual "kirby-isms" into the mic while Alabama players were walking into the locker with that sweet look of defeat. Never in my life would I have thought we would dominate them in that building after the years of torment the Dawg faithful have endured against the Tide. How dare us doubt the KANG!? What an incredible performance by the entire defense. Gunner takes home MVP. Frazier lead the rushing attack and took the fight to that Bama front. Backup wide receiver, Cole Speer, get the party started with a HUGE blocked punt in the 1st quarter. Somehow, someway, the Dawgs put it all together, and honestly, absolutely spanked Alabama. We get a 1st round bye and take on the winner of Ole Miss/Tulane (Ole Miss) in the Sugar Bowl on New Year's Day. What a time to be a Dawg - your 2025 SEC Champions!GO DAWGS!Follow here for updates:Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠@callingthedawgspod⁠⁠⁠⁠⁠⁠⁠⁠Facebook: ⁠⁠⁠⁠⁠⁠⁠⁠Calling the Dawgs Podcast⁠⁠⁠⁠⁠⁠⁠⁠Youtube: ⁠⁠⁠⁠⁠⁠⁠⁠Calling the Dawgs

GIVEAWAY - send us a message and let us know your favorite thing about the Square Pizza Pod. We are giving away SchermCo swag to the first three people that send us a note!On this episode of the Square Pizza Pod, Greg sits down with Danielle Frazier, Special Assistant to the City Manager for Workforce Development in the City of Charlotte and longtime girls flag football coach. They talk about what it really takes to build pathways to good jobs, why a one cent sales tax for transportation is actually a mobility and opportunity strategy, and how a career that started in one local organization has grown into national leadership.From coaching high school flag football and renovating bathrooms with her dad to helping design Charlotte's first Office of Workforce Development and chairing the United States Conference of Mayors Workforce Development Council, Danielle shares a grounded, hopeful view of what is possible when cities, schools, employers, and residents pull in the same direction.In this episode, you will hear:How growing up in a football family and coaching girls flag football shapes Danielle's leadership with young people and teamsA clear, accessible definition of workforce development and how Charlotte's new Office of Workforce Development and strategic plan are bringing that vision to lifeWhat Charlotte's historic transportation and mobility investment could mean for thousands of future jobs in construction, skilled trades, professional services, and small businessesHow the Education to Employment initiative with Charlotte Mecklenburg Schools is creating direct pathways from high school graduation into full-time roles with the City of CharlotteWhy employer engagement and emerging tools like artificial intelligence are becoming essential to a healthy, future-ready workforce ecosystemIf you care about economic mobility, public investment, or connecting young people and adults to meaningful work in growing cities, this is a conversation you will want to hear.Support the show

Buckle up: The 100th episode of The Huddle rolls into territory many never get to see —the cab of a Walmart truck. John reunites with longtime private fleet driver Janis Frazier. They first crossed paths in the aftermath of Hurricane Helene, where Janis was delivering emergency supplies into devastated communities.   What follows is an inside look at the road life most of us never see: holiday highways buzzing with hurried drivers, the calm confidence it takes to steer an 80,000-pound rig, and the heart behind a job that keeps the company moving. If you want to know what really powers Walmart's supply chain, start here. 

On today's episode of Don't Let It Stu, Stu and special guest Dana Bowling dive straight into the chaos of pop culture, Bravo drama, and their own hilarious life updates. From the viral debate about vaping after Frazier's heart scare to Taylor Swift's wild disinformation storm, they break down what's real, what's ridiculous, and why the internet is spiraling. The two also unpack the RHOSLC Greece trip, the mysterious airplane fight Bravo won't show, Meredith's denial spiral, Mary's bucket-hat insults, and Heather's airport Cartier shopping spree. Plus: dating insecurity, fast-food confessions, martini disasters, and the truth about who's actually having an open marriage. It's messy, funny, opinionated, and exactly the pop-culture deep dive you need. Chef Stu Social - send your questions for “Kitchen Quick Fix” Instagram: https://www.instagram.com/chefstuartokeeffe/ Facebook: https://www.facebook.com/chefstuartokeeffe Youtube: https://www.youtube.com/chefstuartokeeffe TikTok: https://www.tiktok.com/@chefstuart?lang=en Chef Stu's Cookbooks & Seasoning: Quick Six Fix - https://amzn.to/49zVeB0 Cook It, Spill It, Throw It: The Not-So-Real Housewives Parody Cookbook - https://amzn.to/49A8UMi Chef Stu Lovely Seasonings - https://chefstuart.com This is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or the Hurrdat Media YouTube channel! Learn more about your ad choices. Visit megaphone.fm/adchoices

State Rep. Deanna Frazier Gordon ends her race for Congress, Beshear gives an update on the state's medical marijuana program, U.K. partners with Microsoft to collaborate on A.I., and how high schools are helping prepare students for college or a career.

Send us a textThis one isn't for the fragile.Frazier comes in hot after a no-filter conversation with a loan officer who needed the truth and Michael is right there with him pulling zero punches. This episode dives deep into the entitlement mindset plaguing LOs in today's market. Just because you used to be good doesn't mean you still are. Nobody owes you leads, results, or respect just because you show up.It's about time we said it out loud:The reason you're losing has nothing to do with rates or realtors. It has everything to do with your standards.From weak routines to second-guessing your own value, this episode will either shake you awake or offend you. Either way, it's exactly what the middle of the market needs to hear.

Detroit Lions Make A Statement When They Had To The Detroit Lions did not just beat the Dallas Cowboys. They answered a question the rest of the NFL was starting to whisper: could this team still reach the gear it showed last year when everything mattered. A 44–30 win over Dallas at Ford Field in a must win spot is not perfection, but it is proof of concept. This is what the Lions offense is supposed to look like when it breathes, and what this defense looks like when it steals possessions instead of just surviving. Jared Goff, Jahmyr Gibbs and an Offensive Line That Finally Settled This felt like a reset game for Jared Goff. After weeks of interior chaos and happy feet, he played like a quarterback who trusted what was in front of him, finishing with a 121 passer rating and command of the entire field. He did not just lock onto Amon Ra St. Brown. He spread it around. St. Brown went 6 for 92 on one good ankle. Jameson Williams added 7 for 96 in what might be his most complete game as a pro. The star, though, continues to be Jahmyr Gibbs. He is no longer just a fun wrinkle in the playbook. He is the problem defenses cannot solve. Seventy seven receiving yards, a series of ankle erasers in space, and the constant threat that any touch might become a house call. This is the first Lions player since Barry Sanders who genuinely makes you lean forward every time he has the ball. Quietly, the big shift up front was Miles Frazier. Once the rookie stepped in at left guard for Tristan Colon, the protection and run fits stopped looking like a fire drill. Frazier buried people on duo and inside zone, climbed to the second level with bad intentions, and gave both Goff and David Montgomery room to operate. Monty responded with 60 hard rushing yards and looked far closer to the back we saw last season than the guy fighting for air against Philadelphia. If this is who the offensive line can be with Frazier settling in and the tackles relatively healthy, Detroit's playbook opens back up. Shot plays to Williams, option routes for St. Brown, and Gibbs isolated on linebackers is how the Lions offense stresses an entire defense. Defense, Special Teams and the NFC Playoff Picture The Lions defense did not dominate Dallas statistically, but it did what great units do in big games. It turned the ball over. Fourteen points came directly off Cowboys mistakes. Jack Campbell flew around again, DJ Reed battled with CeeDee Lamb until the concussion, and the front made Dak Prescott uncomfortable enough to force high risk throws. Special teams finally flipped a field too. Tom Kennedy looked like he had been waiting five years for those returns, hitting seams at full speed and giving the offense short grass it has been missing all season. That is how complementary football is supposed to look in a real playoff race. In the NFC playoff picture, the win keeps the Detroit Lions alive for more than just a wild card berth. It keeps pressure on Green Bay and Chicago, and it turns next week's trip to play the Los Angeles Rams into a leverage game instead of a funeral. Run the ball the way Carolina just did against the Rams, protect Goff the way they did against Dallas, and Detroit can turn this one statement into the start of a December run. https://www.youtube.com/watch?v=LvYN107viHw Get yourself a Classic Detroit t-shirt here! Don't miss our great merch selection in the Detroit Lions Podcast store. Looking for the relief that CBD products can bring? Click here: https://bit.ly/2XzawlG Get your Lions Gear at: https://bit.ly/2Ooo5Px As an Amazon Associate we earn from qualifying purchases made here: https://amzn.to/36e2ZfD Donate Direct at: https://bit.ly/2qnEtFj Join the Patreon Crew at: https://bit.ly/2bgQgyj #DetroitLions, #Lions, #DetroitLionsPodcast, #OnePride, #LionsWin, #LionsMakeAStatement #GoffLockedIn #GibbsElectric #FrazierBreakout #LionsPlayoffPush #JamoStepsUp #StBrownBattles #CowboysFallInDetroit #ComplementaryFootball #FordFieldEnergy Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode of HTH, Michael Admire welcomes the Bulldogs' Athletic Trainer to the microphone. Devante shares his game day routine, his path to Drake and the process of getting a player back from injury.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Yinz Are Good is an award-winning podcast that shares the good news going on out there and celebrates the good people who are making it happen: The people who are lifting others up, who are taking care of their neighbors, the people who are saying, “What can I do today to make our world a better place?”.In this episode, Tressa sits down with the remarkable Evan Frazier, President & CEO of The Advanced Leadership Institute (TALI). Talk about building community…the folks at TALI are doing that and then some.  TALI's mission, in part, is to support, develop, and retain Black leaders and their allies. Their vision is to create more inclusive and prosperous professional communities through a distinct leadership development model that educates, develops, connects and positions Black leaders and their allies for advancement. This conversation is about support, community, opportunity, and it's about recognizing a problem within a community and working to solve it. Yinz Are Good's LIVE Christmas Special Monday, Dec. 8, 2025The Lounge at the Greer Cabaret Theater | 655 Penn Ave. 15222Show starts: 7:30pmDoors open: 6:45pmTICKETS HERE The Advanced Leadership Institute: https://taliinstitute.org/Facebook: @The Advanced Leadership InstituteLinkedIn: The Advanced Leadership InstituteThis episode is brought to you by Dick's Sporting Goods — your one-stop shop for holiday gifts that get everyone moving. From cozy winter gear to fan favorites for every Pittsburgh family — every holiday season starts at Dick's.—⁠https://www.yinzaregood.com/⁠⁠⁠⁠FOLLOW US on social media!Instagram:⁠⁠ ⁠@yinzaregood⁠⁠⁠ Facebook:⁠⁠ ⁠@YinzAreGood⁠⁠⁠Have a story of generosity or kindness to share with us? Want a Kindness Crate dropped off at your business or school? Email us at ⁠yinzaregood@gmail.com.

In this powerful episode of the UpliftHER Leadership Series on the Self-Care Goddess Podcast, I had the honor of speaking with Tiffany R. Frazier a bold, people-first HR executive with 15+ years across healthcare, tech, and professional services. She is known for blending strategy, humanity, and heart to build workplaces where people can truly thrive.Certified in Human Resource Management, change management, and leadership development, Tiffany brings razor-sharp instincts, lived wisdom, and refreshing honesty to every conversation with ESPN on in the background and a slice of pizza in hand.Together, we explored how HR is evolving, why work-life balance is a myth, and what it really takes to prevent burnout in the workplace while rising as a courageous, conscious leader. In This Insightful Episode, We Explore:✅ Tiffany's pivot from operations into HR  and how she discovered her true “people superpower.”✅ The biggest shifts in modern HR, including HR as a strategic business partner✅ How AI can streamline processes and transform human resource development✅ Why burnout is a slow process  and how to recognize the warning signs early✅ The role of rest, stillness, and self-compassion in avoiding burnout at work✅ Work-life balance vs. work-life harmony  and how to prioritize your “100% pie”✅ How generational shifts (Gen Z + Gen Alpha) are demanding purpose-driven workplaces✅ Why women must reclaim their emotional intelligence as a leadership strength✅ Speaking up, disrupting harmful norms, and breaking the “rules” that hold women back✅ Redefining success, belonging, psychological safety, and modern organizational cultureTiffany reminds us that you already have what you need. The strength, the resilience, the inner knowing it's all within you. And when we stop, breathe, and get still, we create space for clarity, peace, and power to rise.

How can you build learning into how work gets done?Why should organizations think of learning as a system, not as a function?My guest in this episode are Kati Clement-Frazier, Director, School of Leadership at DaVita and Michele Graham, President of Intel and Learn at AmplityDuring our conversation Kati, Michele, and I discuss:Why learning must be treated as an organizational capability, not a set of programs.How psychological safety and reflection accelerate meaningful learning and behavior change.Why “flow of work” learning is about team routines, relationships, and work design—not microlearning.Why the future of learning requires new metrics and new mindsets.Why compliance-driven cultures limit experimentation, agility, and capability building.Connecting with Kati & Michele:Connect with Kati Clement-Frazier on LinkedInConnect with Michele Graham on LinkedInLearn more about The Learning Forum's CLO LIFT InitiativeEpisode Sponsor:Next-Gen HR Accelerator - Learn more about this best-in-class leadership development program for next-gen HR leadersHR Leader's Blueprint - 18 pages of real-world advice from 100+ HR thought leaders. Simple, actionable, and proven strategies to advance your career.Succession Planning Playbook: In this focused 1-page resource, I cut through the noise to give you the vital elements that define what “great” succession planning looks like.

1 hour and 43 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Offense vs Ohio State Starts at :51 Good thing this is pivoting to being a snacks podcast. Combos are way up there as far as gas station snacks go. Every time Ohio State got into a 3rd down situation they would just drop back and throw it to an open receiver. When Michigan was in this situation, Ohio State would just man up and Bryce had nowhere to throw. Those substitutions that happened all season continued in this game. Is trophy done going brrr? You cannot have this many holes in your team and expect to compete with Ohio State. The offensive line didn't look as dominated as it seemed, if Jordan Marshall and Justice Haynes played the whole game they'd probably break some more big runs. It didn't seem like Chip Lindsey brought much into this game that was built off of what they had been doing all season. Maybe Bryce froze up (pun not intended) a bit. He only had five throws at halftime? Guarnera actually looked really good, Frazier and Sprague held their ground. The reasons this offense didn't shine this season weren't because of the offensive line. Who's even going to sit out on offense in the bowl game?  2. Defense vs Ohio State Starts at 29:05 Giving up 27 points to Ohio State seems not that bad but we're still done with Wink. Ohio State's 3rd down conversions were the easiest possible. Neither Barham nor Derrick Moore got anywhere near Sayin all game. The 5-2 came back... It's year two, the defense shouldn't be this simplified. Yes, simplify it early on but it cannot be simplified against Ohio State. He learned nothing from the USC game, Wink needs to get fired and if he isn't then that's on Sherrone. There was a 20 play 81 yard field goal drive that took 12 minutes off the clock. That goal line stand was nice, though. Ohio State was at their own 10 but the backups were in?? Also it's a Fox broadcast, there's plenty of time to rest your starters during tv timeouts! There's a lot of work that needs to be done on the defensive line going into next year. The waves of elite defensive tackles has run its course.  3. Hot Takes, Game Theory, and Special Teams Starts at 53:38 Takes hotter than... idk. I'm out of ideas just like Michigan's coaches. The first sign that it was over was when Ohio State declined a holding call and then held Michigan on 3rd and 5. Zvada made field goals and a mob didn't have to come after Brian (they would've been right to do so). Hollenbeck had an 11 yard punt. Keeping Andrew Marsh just to fair catch punts is a valuable skill, don't make him a kick returner though. Kicking field goals early on 4th down felt like the right thing at the time, it could've been a stupid blizzard game later. You'd trust Zvada to make these field goals more than you'd trust the offense to get six yards in the redzone. Apparently an Ohio State player had head butted a Michigan player and Barham was demonstrating - but also don't do that. Jeremiah Smith almost had the funniest application of the worst rule in football. There were a lot of Ohio State fans at this game, how does that keep happening? Were there Ohio State fans near you and if so what was the experience near them like?  4. Around the Big Ten with Jamie Mac Starts at 1:25:11 Oregon 26, Washington 14 Washington's hyped offense just never came true in any of their big games this year. Oregon locks up a playoff bid, they'll probably get the G5 bid or the ACC champions. Penn State 40, Rutgers 36 Congrats to Penn State on getting bowl eligibility. This was a shootout. Tamper with the Rutgers receivers.  Minnesota 17, Wisconsin 7 Wisconsin is not good.  Michigan State 38, Maryland 28 Jonathan Smith was fired after this recording. There might've been 10,000 fans at this game but the weather kept a lot of people home.  Illinois 20, Northwestern 13 Snow game!  Iowa 40, Nebraska 16 Just a first half blowout without much effort in the 2nd half. A very disappointing ending to Nebraska's season. Nebraska is 2-10 the last three years in November. USC 29, UCLA 10 UCLA lead at halftime and then USC ran away with it in the 2nd half.  Indiana 56, Purdue 3 A year after Indiana gave Purdue their worst loss in the rivalry they give Purdue their first home loss in the rivalry. MUSIC: "Colors Change"—Tanks and Bangas "Too Good Too Bad"—Jason Scott and the High Heat "My Girlfriend Doesn't Worry"—Jeffrey Lewis and the Voltage “Across 110th Street”—JJ Johnson and his Orchestra   

In this episode of Real Talk for Real Fundraisers, Jeff Schreifels welcomes Diana Frazier, Veritus Group's senior client experience leader with more than 40 years of fundraising experience, for an essential conversation about winning the final stretch of the year. Diana has coached over 300 mid-level and major gift officers during her 12 years at Veritus, and she brings a rare blend of wisdom and practicality to this discussion. Together, Jeff and Diana break down the 15 critical fundraising days of December, explore what separates exceptional fundraisers from those who may be in the wrong role, and outline clear, actionable steps for frontline fundraisers and managers who want to finish strong. They talk through why focus—not more time—is the real differentiator in December, how to approach year-end planning with less stress, and the specific information your donors need to complete stock gifts, donor-advised fund contributions, and wire transfers. Diana also lays out a simple two-hour-per-day gratitude strategy that allows you to meaningfully thank up to 70 donors before the year ends. If you're preparing for the intensity of December or leading a team that needs direction during the busiest season of the year, this episode will help you navigate the final push with confidence. Show Highlights: In this episode, you'll learn about…   Why you don't need more time—you need more focus, and how to get it The simple two-hour inventory exercise that relieves year-end stress How to manage the 15 critical calendar days before everything winds down Essential information donors need for stock gifts, donor-advised funds, and wire transfers  Veritus Group is passionate about partnering with you and your organization throughout your fundraising journey. We believe that the key to transformative fundraising is a disciplined system and structure, trusted accountability, persistence, and a bit of fun. We specialize in mid-level fundraising, major gifts, and planned giving, helping our clients to develop compelling donor offers and to focus on strategic leadership and organizational development. You can learn more about how we can partner with you at www.VeritusGroup.com.   Additional Resources:   [Blog] Creative Ways to Stand Out at Year-End [White Paper]  Planning Guide for Fall and Year-End Fundraising [Blog] How to Talk to Your Donors About 2026 Tax Changes 

In today's epic FAFO Championship, D'Allen Tyreke Washington (one of the three men convicted in the 2017 kidnapping and murder of six-year-old Kingston Frazier, shot to death in the backseat of his mother's car after it was stolen from a Jackson Kroger) takes the crown: paroled in 2022 after serving just four years of a twenty-year sentence, he celebrated his second chance at freedom by immediately selling meth to a confidential informant in a Flowood parking lot, leading Rankin County deputies on a chase, and earning himself a fresh twenty-year day-for-day sentence with no parole. From child murderer to instant drug-dealing recidivist, proof once again that some people are simply determined to find out the hard way.

Send us a textZillow just got smacked with a RICO and RESPA class action lawsuit—and your favorite originator tag team isn't holding back. Frazier and Michael go full Napoleon Dynamite-mode and break down how this case could rock the entire mortgage and real estate ecosystem.This isn't just about Flex. It's about pay-to-play models, illegal referrals, and what needs to happen for real change. Should RESPA be redefined? Are MSAs dead? What does "value" even mean anymore in co-marketing? And what's the real fix—more regulation, deregulation, or just brutal honesty?This episode pulls no punches. We talk straight. We call out the games. And we challenge anyone in the industry to step into the ring if they've got a different take.Plus:

Wealthy families are discovering Tennessee's legal and tax ecosystem as a key component for their long term wealth strategy. I spoke with ANDREA CHOMAKOS from Pendleton Square Trust on Tennessee around these advantages that the Tennessee Wealth Ecosystem provides in the context of other states' legal systems and economies. We cover directed trusts and Tennessee situs, and even a tip like the Community Property Trust, which is interesting in both prenuptial tax planning and estate planning contexts. https://youtu.be/CiR8eoAG-iI "The Tennessee Wealth Ecosystem" Transcript Frazer Rice (00:00.814)Welcome aboard, Andrea. Andrea Chomakos (00:03.128)Thanks, Frazer, happy to be here. Frazer Rice (00:04.696)Well, glad to have you on. Always happy to talk to friends of mine at Pendleton, talk about Tennessee and trust administration generally. Our listeners are probably pretty well versed as far as the idea of trusts, but I don't think it hurts to go and talk a little bit about what the trustee function normally entails as we talk about what is interesting about Tennessee and other jurisdictional issues. Andrea Chomakos (00:29.358)Absolutely. So Frazer, it's great to be here and share some conversation with you and your audience. While I have been in the professional fiduciary role for several years, for several decades before that, I was a practicing attorney. So I would often have conversations with my clients and drafting their documents and asking them decisions about who to appoint as a trustee. One of the very first conversations we would have is what does it mean to be a trustee? As I have now come over to the other side, broadly stating that the trustee has the responsibility to administer the trust for the sole benefit of the named trust beneficiaries in accordance with the trust terms. That seems like a lot of really big words that don't make a lot of sense to the average person. I get it. When I was practicing, a lot of my clients, their reaction would be, okay, so you're just telling me that this person is the person who makes the decisions about distributions and that's great. I can go, you know, no big deal. And the reality is, yeah, the reality is it is a big deal. Because it's more than just making distribution decisions or making them in a vacuum. You have to look at the broader picture. Frazer Rice (01:41.228)It's more than that though. Andrea Chomakos (01:55.598)But it also entails managing the trust assets and investments. It means making those important distribution decisions and understanding the impacts those are going to have not just in the short term but the long term. Filing and paying tax returns for the trust. Communicating with trust beneficiaries, providing reports and accounts. And even all of that sometimes seems like not that big of a laundry list but Let me give like an example that I ran into. Everybody loves a good example. So when I say a trustee is responsible for investing and managing all of the assets of the trust, that also means the protection and preservation of those assets. And it's incredibly common to see a trust hold some real estate, oftentimes a residence that a trustee or a beneficiary lives in. Frazer Rice (02:24.58)That'd be great. Andrea Chomakos (02:51.094)And you may say, OK, well, no big deal. Like if something happens, we'll just get it fixed. Well, it's more than that, right? You need to really understand what that means and the risks you're taking and the potential liability you're taking if you don't manage those issues in a way maybe different than you would if it was just your own house. So I was at a prior institution and that institution was serving as co-trustee with a beneficiary who resided in some trust-owned property. And lo and behold, you know, got a call from that beneficiary saying, hey, there was a leak with one of the pipes in the house. So I just went out and got some duct tape and put that around the pipe to stave off the leak, but now it's gotten really bad. And you're just sort of like, well, wait a minute. Like that's. Frazer Rice (03:34.276)Hmm. Andrea Chomakos (03:47.573)As a trustee, that's not an appropriate response to fixing a leak, it's not a roll of duct tape. So it's things like that that trustees are responsible for. Frazer Rice (04:00.004)One of the things too that's happened in modern legislation is that those three functions you talked about, the investment, the distribution, and the administration have been in many states you're able to, we like to call it bifurcate them, so that you can put an expert maybe in the investment role, maybe a family member with a corporate trustee in the distribution role, and then a corporate trustee in the administration role who, you know, they're used to doing the paperwork and the tax filings and the eye dotting and T-crossing. And in your, I guess in your experiences, we've gone through that. How have trust companies evolved to take into account this new flexibility? Andrea Chomakos (04:42.254)Absolutely, think you hit the right word. I always say the same thing, Frazier. It's a bifurcation of those duties and responsibilities. And so there are more trust companies who are embracing what we call the Directed Trust Model, where the corporate trustee is handling the administrative functions. So the reporting, the trust beneficiary communications, filing the tax returns, all of those very important functions, but ones that oftentimes are overlooked, their importance is overlooked. And other people are given the role of either distribution advisor, and sometimes the corporate trustees in these roles will make distribution decisions. But certainly the investment function is one. And as you see arise in individuals, families, using private equity for investments, other alternative investments, you see them using RIAs, multifamily offices, to manage their investments that, and those entities don't have that trustee function. There are more corporate trustees who are filling that role. And I think that we're only going to see that market increase and that demand increase. Frazer Rice (06:11.196)I don't think I could agree more with that statement. I think the idea of people having all of those functions under one umbrella really ignores just the way wealth is being managed these days, whether it's sort of peculiar assets or even, you know, regular run of the mill stocks and bonds, people have their advisors and they don't want to necessarily give that up to take advantage of trust situs and professional trustee services. Andrea Chomakos (06:21.998)Listen. Frazer Rice (06:36.524)As I talk to people around this topic, the culture of a good trustee, and especially sort of a good corporate or a good administrative trustee, there are a lot of things that go into that. In your experience, what is it that makes a good sort of corporate or administrative trustee for particular family? Andrea Chomakos (07:01.422)There's I mean, that's a great question. And it should be top of mind for all clients. Right. I think there's a couple of things. One is the institutional professionalism that a corporate trustee, independent corporate trustee provides, as well as the skill, the background and then the lack of conflict of interest. So when you think about an administrative trustee that's not managing the investments, we have no dog in that fight as they say about what's going on with the investments, how they're being managed, how they're being allocated. We, Pendleton Square and others are here to serve the beneficiaries, to facilitate communication, to help beneficiary wealth education, to continue the continuum of family values and conversations, as well as be some be a person who can sit there alongside them and educate them about the trust, about the wealth, about the impact the distributions from the trust are having on their own estate, on their own lifestyle, and really honing in on the things that they're really good at. And I think predominantly it is that being free of conflict. We don't have any other interest in the trust. Frazer Rice (08:28.252)I think the concept of staying in your lane is important. I think in the old world where the big trust companies did everything and they would allocate resources to that because doing everything required good integration and so on, it made a lot of sense. But nowadays, as we talked about the bifurcation just now, the provision of the administrative trustee functions and the distribution committees, et cetera, that feels more like an accommodation. Andrea Chomakos (08:30.913)I'm sorry. Frazer Rice (08:56.696)than a sort of focus for them. And so these trust companies that have developed, the new ones that are less worried about the investment function, that that focus is now a strength in the sense that people hire experts in that field in order to get what they need from an estate planning perspective or a site of choice, et cetera, but then to really effectuate that culture we just talked about. Andrea Chomakos (09:26.956)Yeah, I mean, think there's a couple of nuances there that you touch on that always resonate with me. And so one is. Trust business, it's a business, we all have to admit that it's a business, but is it relational or is it transactional? And at its core it's really relational. You're working alongside a family for hopefully multiple generations and as an institution you can carry forward that historic bank of knowledge in the grantor's intent, the family values as you're administering the trust. But in many larger institutions, because of just structural considerations and constraints, sometimes you have a lot of turnover in personnel. You have some loss of historic knowledge and information. And you have a compression of what it takes. not just the skills,

Send us a textIn this special in-person episode of The MLO Project, Frazier and Michael sit down with Florida broker and First Coast Mortgage co-founder Jason Kindler, live from Idaho at the High Table mastermind. It's a no-fluff conversation about leadership, building efficient operations, crushing limiting beliefs, and redefining what's possible for mortgage companies heading into 2026.Kindler opens up about his personal and professional journey, including surviving the crash, getting sober, and rebuilding with intention. He shares how he's preparing his team to not just survive the next boom—but scale it, stress-free. This is a raw, strategic, and transparent deep dive into the mindset and systems that separate stagnant shops from future-proof machines.Key Topics Covered:Why operational efficiency isn't optional anymoreBuilding a tech-enabled brokerage that can scale without breakingHow small brokers can compete with big retail opsWhy speed still kills—and slow still losesAI, APIs, and building the “ideal” experiencePersonal resilience: Jason's journey through addiction and recoveryLaunching a coaching portal powered by AI + years of hard-won experienceWhy most brokerages wait too long to invest in infrastructureWhy perfect doesn't exist—but the ideal is realTactical Nuggets:Designing operational models that absorb 40–50 loans overnight without chaosHow to structure teams so originators get the support they deserveWhy it's time to unlearn what worked in the pastHow Kemmer is using two years of coaching transcripts to build a GPT-powered training hubPlanning for efficiency now so you're not scrambling when the boom hitsBig Quote:“You're 100% in control of your income. I don't care what the market's doing. I've had great years in this market—and so have others. It's mindset and execution. Period.” – Jason KemmerGuest Plug:Jason is building a full coaching platform loaded with systems, calculators, AI tools, and years of strategic content for loan officers and team leaders. Connect with him on social to learn more and get on the early list.https://firstcoastmortgagefunding.com/KindlerCoaching

In this episode, Erin and Autumn discuss two gripping true crime cases: the kidnapping burying alive case of Barbara Jane Mackle and the murder of Tanya Marie Frazier. They explore the chilling details of Mackle's abduction, the subsequent investigation, and the eventual rescue that captivated the nation. The conversation shifts to the long-awaited justice for Tanya Frazier, whose case remained unsolved for over three decades until advancements in forensic science led to a breakthrough. Throughout the episode and the hosts reflect on the importance of keeping victims' stories alive.Keywordstrue crime, kidnapping, survival, FBI, investigation, justice, cold case, music, podcast, pacific northwest, seattleChapters00:00 Introduction and Music Preferences02:54 Listener Feedback and Episode Recap05:49 Erin's Health and Podcast Milestones08:48 The Kidnapping of Barbara Jane Mackle11:41 The Kidnapping Details and the Kidnapper's Plan14:37 The Ransom Note and FBI Involvement17:25 Barbara's Experience Underground20:31 The Search for Barbara and the Ransom Drop23:32 The Capture of Gary Christ26:08 Aftermath and Reflections on the Case27:40 The Vanishing and Return of Barbara Jane Mackle30:00 The Trial and Sentencing of Gary Christ31:55 Life After the Kidnapping33:40 Gary Christ's Downward Spiral36:19 The Impact of the Mackle Case on Law Enforcement38:43 Barbara's Resilience and the Aftermath40:37 The Legacy of Barbara Jane Mackle45:15 The Murder of Tanya Marie Frazier50:30 The Breakthrough in Tanya's Case54:41 Closure and Justice for Tanya Marie Frazier

Should the Giants re interview Leslie Frazier?

Regulating AI and Protecting Children. Kevin Frazier (Law School Fellow at the University of Texas at Austin) addresses the growing concern over AI chatbots following tragedies, noting that while only 1.9% of ChatGPT conversations relate to "relationships," this fraction still warrants significant attention. He criticizes early state legislative responses, such as Illinois banning AI therapy tools, arguing that such actions risk denying mental health support to children who cannot access human therapists. Frazier advocates against imposing restrictive statutory law on the rapidly evolving technology. Instead, he recommends implementing a voluntary, standardized rating system, similar to the MPA film rating system. This framework would provide consumers with digestible information via labels—like "child safe" or "mental health appropriate"—to make informed decisions and incentivize industry stakeholders to develop safer applications. 1919

Regulating AI and Protecting Children. Kevin Frazier (Law School Fellow at the University of Texas at Austin) addresses the growing concern over AI chatbots following tragedies, noting that while only 1.9% of ChatGPT conversations relate to "relationships," this fraction still warrants significant attention. He criticizes early state legislative responses, such as Illinois banning AI therapy tools, arguing that such actions risk denying mental health support to children who cannot access human therapists. Frazier advocates against imposing restrictive statutory law on the rapidly evolving technology. Instead, he recommends implementing a voluntary, standardized rating system, similar to the MPA film rating system. This framework would provide consumers with digestible information via labels—like "child safe" or "mental health appropriate"—to make informed decisions and incentivize industry stakeholders to develop safer applications. 1941

PREVIEW. The Crisis of AI Literacy: Protecting Vulnerable Communities from Misusing Chatbots. Kevin Frazier discusses the dangers of young people misusing AI chatbots due to a significant lack of public awareness and basic AI literacy. Designers assume users know chatbots are merely objectification and optimization, not real opinions or people. Frazier stresses the need for educating consumers on the best and improper uses of these tools for responsible innovation. 1951

Nate Frazier and KJ Bolden, Georgia Star Running-back and Safety, join Darien Rencher and Mo Hasan. Nate and KJ talk with the fellas about adjusting to College Football life, reality of navigating NIL, Georgia National Championship hopes, playing for Kirby Smart, and ultimately what they want to accomplish in their careers. An authentic look into the life of some of college football's biggest stars at a legendary program. You can see why they are loved by the UGA fanbase and why their futures are bright. Thanks for tuning in, Much love! Be sure to like, comment, subscribe, and follow along for more. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

The Sponsors We want to thank Underground Printing for starting this and making it possible—stop by and pick up some gear, check them out at ugpmichiganapparel.com, or check out our selection of shirts on the MGoBlogStore.com. And let's not forget our associate sponsors: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklar Brothers, Winewood Organics, Community Pest Solutions, Radecki Oral Surgery, Long Road Distillers, and SignalWire where we are recording this. Featured Musician: Chirp THE VIDEO: [After THE JUMP: Things discussable.]  --------------------- 1. MSU Preview: Offense starts at the top. What have they done to Aidan Chiles? He's dinky this year, and not very accurate as a dinker either. Be careful of his rushes. MSU fans are turning on their coaches already. Offensive line is a shambles of injury. Nick Marsh, enter the dang portal already friend. They're not even throwing to him deep. Sandbagging for this game? Please don't Wink out—they've been running a million screens. 2. MSU Preview: Defense starts at 20:26 Let Bryce cook, we say! A lot of cyans as yards are coming easily. They run both types of switch coverages—weird to see Dantonio's low safeties and press corners against a passing spread (it didn't work). Best thing to do is repeat last week's approach. 3. Washington After Review starts at 43:48 Waiting for Brian to tell us about Bryce and Frazier, but they looked pretty good. Drops were an issue, are an issue. Seth proposes a prospectin' name for Jordan Marshall. Defensively Washington contributed a lot to our scores, but credit Wink or the people who yelled at him for going back to the 2024 Ohio State gameplan. Long discussion on the rotations, especially at DL—Cam Brandt isn't Derrick Moore or a young Derrick Moore and it's unfair to be playing him as such. Also Jordan Young at the end of the 2nd half when you've got a 7-point lead. 3. Hoops and Hockey Check-In starts at 1:15:54 Hockey is undefeated after their best game in years vs WMU, game 2 is tonight and will be intense. Hoops has their 2nd exhibition, hopefully with a frontcourt this time, and this one has all the makings of an elite matchup. Featured Artist: Chirp Chirp is a four-piece band that hops around genres. I don't they've opened for Vulfpeck but they're part of that same progressive rock/funk and jazz-fusion scene. Formed in 2015, Jay Frydenlund, Brian Long, Sam Naples, and Patrick Blommel have been playing concerts and festivals all around the region. I saw them with Joe Hertler (featured here before), and got a notification in my email this week that they'll be at the Pig at the end of November (11/28), so I figured it's a good time to bring them up. I have them on my work playlist, mostly for their covers, but the songs featured are all off their 2022 album. Songs: "By the Book" (video) "Little Friend" "Fast Food Blues"       Also because Across 110th Street will get our Youtubes taken down, the opener and outro: “The Employee is Not Afraid”—Bear vs. Shark “Ruska Vodka”—Motorboat

Jon reflects on the best aspects of Michigan's win over Washington, details the emotions around the Michigan-Michigan State rivalry, and reacts to another wild week of college football in our "Seven from 77." Then, Michigan's newest #77, left tackle Blake Frazier, stops by around the 32-minute mark to discuss his play in relief of Evan Link last week and the opportunity ahead for the Wolverines in East Lansing.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

    HEADLINE: AI Regulation Debate: Premature Laws vs. Emerging Norms GUEST NAME: Kevin Frazier SUMMARY: Kevin Frazier critiques the legislative rush to regulate AI, arguing that developing norms might be more effective than premature laws. He notes that bills like California's AB 1047, which demands factual accuracy, fundamentally misunderstand AI's generative nature. Imposing vague standards, as seen in New York's RAISE Act, risks chilling innovation and preventing widespread benefits, like affordable legal or therapy tools. Frazier emphasizes that AI policy should be grounded in empirical data rather than speculative fears. 1960

SHOW SCHEDULE 10-15--25 CBS EYE ON THE WORLD WITH JOHN BATCHELOR 1964 ATLANTIC CITYCONVENTION HALL THE SHOW BEGINS IN THE DOUBTS ABOUT CONGRESS.... 10-15--25 FIRST HOUR 9-915 HEADLINE: Obamacare Subsidies Trigger Government Shutdown Debate GUEST NAME: Michael Toth SUMMARY: Michael Toth explains that the current government shutdown debate centers on extending two expensive Biden-era Obamacare subsidies. These changes allow individuals earning over 400% of the federal poverty line to receive subsidies and provide 100% coverage for the near-poor. The original Obamacare cross-subsidy structure failed because young, healthy individuals found premiums too high. Toth advocates deregulation, such as allowing insurance companies to charge lower, risk-adjusted rates and enabling single business owners to use Professional Employer Organizations (PEOs) for cheaper coverage. 915-930 HEADLINE: Obamacare Subsidies Trigger Government Shutdown Debate GUEST NAME: Michael Toth SUMMARY: Michael Toth explains that the current government shutdown debate centers on extending two expensive Biden-era Obamacare subsidies. These changes allow individuals earning over 400% of the federal poverty line to receive subsidies and provide 100% coverage for the near-poor. The original Obamacare cross-subsidy structure failed because young, healthy individuals found premiums too high. Toth advocates deregulation, such as allowing insurance companies to charge lower, risk-adjusted rates and enabling single business owners to use Professional Employer Organizations (PEOs) for cheaper coverage. 930-945 HEADLINE: Hamas, Hostages, and Middle East Turmoil: Challenges to the Trump Ceasefire Plan GUEST NAME:Jonathan Schanzer SUMMARY: Jonathan Schanzer discusses complications in the Trump ceasefire plan, including Hamas delaying the return of deceased hostages to maintain leverage. The released prisoners, including potential Hamas leaders, raise concerns about where the organization's center of gravity will shift if they are deported to places like Turkey or Qatar. Schanzer views Turkey, an autocratic supporter of Hamas, as a problematic guarantor of the ceasefire. Internationally, Iran continues its nuclear program despite snapback sanctions, and al-Sharaa is meeting with Putin regarding Russian assets in Syria. 945-1000 HEADLINE: Hamas, Hostages, and Middle East Turmoil: Challenges to the Trump Ceasefire Plan GUEST NAME:Jonathan Schanzer SUMMARY: Jonathan Schanzer discusses complications in the Trump ceasefire plan, including Hamas delaying the return of deceased hostages to maintain leverage. The released prisoners, including potential Hamas leaders, raise concerns about where the organization's center of gravity will shift if they are deported to places like Turkey or Qatar. Schanzer views Turkey, an autocratic supporter of Hamas, as a problematic guarantor of the ceasefire. Internationally, Iran continues its nuclear program despite snapback sanctions, and al-Sharaa is meeting with Putin regarding Russian assets in Syria. SECOND HOUR 10-1015 HEADLINE: China's Predicament in the Middle East and Domestic Economic Instability GUEST NAME: General Blaine Holt SUMMARY: General Blaine Holt analyzes China's strategic challenges, noting Beijing is concerned about losing access to critical oil and gas resources as US leadership advances the Abraham Accords. China's previous regional deals, like the Saudi-Iran agreement, lacked substance compared to US business commitments. Holt suggests internal pressures might lead Iran toward the Accords. Domestically, China faces accelerating deflation and uncertainty regarding Xi Jinping's leadership due to four competing factions before the fourth plenum. 1015-1030 HEADLINE: South Korea's Descent into Authoritarianism and Persecution of Opposition GUEST NAME: Morse Tan SUMMARY: Morse Tan argues that South Korea is moving toward a "rising communist dictatorship" that oppresses political and religious figures. The indictment of the Unification Church leader and the targeting of the rightful President Yoon exemplify this trend. This persecution serves as an intimidation campaign, demonstrating the regime's disregard for the populace. Tan recommends the US implement active measures, including sanctions relating to a coup d'état and visa sanctions, while also pressing for greater military cooperation. 1030-1045 HEADLINE: Russian War Economy Stalls as Oil Prices Decline and Sanctions Bite GUEST NAME: Michael Bernstam SUMMARY: Michael Bernstam reports that the Russian economy is struggling as global oil prices decline and sanctions increase transportation costs, leading to a $13 to $14 per barrel discount on Russian oil. The "military Keynesianism" economy is exhausted, resulting in staff cuts across industrial sectors. Forecasts indicate contraction in late 2025 and 2026, with the IMF lowering its growth projection for 2025 to 0.6%. Russia is avoiding sanctions by routing payments through neighbors like Kyrgyzstan, who have become major financial hubs. 1045-1100 HEADLINE: Lessons from the Swiss National Bank: Risk-Taking, Exchange Rates, and Fiscal Responsibility GUEST NAME: John Cochrane SUMMARY: Economist John Cochrane analyzes the Swiss National Bank (SNB), noting it differs greatly from the US Federal Reserve by investing heavily in foreign stocks and bonds to manage the Swiss franc's exchange rate. The SNB's massive balance sheet carries risks accepted by Swiss taxpayers and the Cantons. Switzerland, being fiscally responsible (running no budget deficits), finds central banking easier. Cochrane advises that the US Fed should not be buying stocks or venturing into fiscal policy. THIRD HOUR 1100-1115 HEADLINE: China Retaliates Against Dutch Chipmaker Seizure Amid European Fragmentation GUEST NAME:Theresa Fallon SUMMARY: Theresa Fallon discusses China imposing export controls on Nexperia after the Dutch government seized control of the chipmaker, which was owned by China's Wingtech. The Dutch acted due to fears the Chinese owner would strip the technology and equipment, despite Nexperia producing low-quality chips for cars. Fallon notes Europe needs a better chip policy but struggles to speak with one voice, as fragmented policy allows China to drive wedges and weaken the EU. 1115-1130 HEADLINE: China's Economic Slowdown, Deflation, and the Spectre of Japanification GUEST NAME: Andrew Collier SUMMARY: Andrew Collier discusses China's economic woes, characterized by persistent deflation, with the CPI down 0.3% (6 out of 9 months in the red) and the PPI down for 36 straight months. This environment raises concerns about "Japanification"—a multi-decade slowdown after a property crash. Major structural changes to stimulate consumer consumption are unlikely at the upcoming Communist Party plenum, as the system favors state investment. The property market collapse means foreign investment is leaving, and Collier suggests the economy may not bottom until 2027 or 2028. 1130-1145 HEADLINE: SpaceX Starship Success, Private Space Dominance, and Government Inaction GUEST NAME: Bob Zimmerman SUMMARY: Bob Zimmerman describes SpaceX's Starship Super Heavy 11th test flight as "remarkable," highlighting successful booster reuse and controlled re-entry despite missing tiles. He asserts that private enterprise, like SpaceX, runs the "real American space program" aimed at Mars colonization, outpacing government efforts. In contrast, European projects like Callisto, proposed in 2015, demonstrate government "inaction." JPL is also laying off staff following the cancellation of the Mars sample return project, forcing organizations like Lowell Observatory to seek private funding. 1145-1200 HEADLINE: SpaceX Starship Success, Private Space Dominance, and Government Inaction GUEST NAME: Bob Zimmerman SUMMARY: Bob Zimmerman describes SpaceX's Starship Super Heavy 11th test flight as "remarkable," highlighting successful booster reuse and controlled re-entry despite missing tiles. He asserts that private enterprise, like SpaceX, runs the "real American space program" aimed at Mars colonization, outpacing government efforts. In contrast, European projects like Callisto, proposed in 2015, demonstrate government "inaction." JPL is also laying off staff following the cancellation of the Mars sample return project, forcing organizations like Lowell Observatory to seek private funding. FOURTH HOUR 12-1215 HEADLINE: Commodity Market Trends and UK's Lack of Risk Appetite for AI Innovation GUEST NAME: Simon Constable SUMMARY: Simon Constable notes that data center expansion for AI is increasing prices for copper (up 15%) and steel (up 14%). He points out that the UK lags significantly behind the US in building new AI data centers (170 vs. 5,000+) due to a lack of risk appetite, insufficient wealth, and poor marketing of new ideas. Separately, Constable discusses the collapse of a UK China spying trial because the prior government failed to officially classify China as a national security threat during the alleged offenses. 1215-1230 HEADLINE: Commodity Market Trends and UK's Lack of Risk Appetite for AI Innovation GUEST NAME: Simon Constable SUMMARY: Simon Constable notes that data center expansion for AI is increasing prices for copper (up 15%) and steel (up 14%). He points out that the UK lags significantly behind the US in building new AI data centers (170 vs. 5,000+) due to a lack of risk appetite, insufficient wealth, and poor marketing of new ideas. Separately, Constable discusses the collapse of a UK China spying trial because the prior government failed to officially classify China as a national security threat during the alleged offenses. 1230-1245 HEADLINE: AI Regulation Debate: Premature Laws vs. Emerging Norms GUEST NAME: Kevin Frazier SUMMARY: Kevin Frazier critiques the legislative rush to regulate AI, arguing that developing norms might be more effective than premature laws. He notes that bills like California's AB 1047, which demands factual accuracy, fundamentally misunderstand AI's generative nature. Imposing vague standards, as seen in New York's RAISE Act, risks chilling innovation and preventing widespread benefits, like affordable legal or therapy tools. Frazier emphasizes that AI policy should be grounded in empirical data rather than speculative fears. 1245-100 AM HEADLINE: AI Regulation Debate: Premature Laws vs. Emerging Norms GUEST NAME: Kevin Frazier SUMMARY: Kevin Frazier critiques the legislative rush to regulate AI, arguing that developing norms might be more effective than premature laws. He notes that bills like California's AB 1047, which demands factual accuracy, fundamentally misunderstand AI's generative nature. Imposing vague standards, as seen in New York's RAISE Act, risks chilling innovation and preventing widespread benefits, like affordable legal or therapy tools. Frazier emphasizes that AI policy should be grounded in empirical data rather than speculative fears.

HEADLINE: AI Regulation Debate: Premature Laws vs. Emerging Norms GUEST NAME: Kevin Frazier SUMMARY: Kevin Frazier critiques the legislative rush to regulate AI, arguing that developing norms might be more effective than premature laws. He notes that bills like California's AB 1047, which demands factual accuracy, fundamentally misunderstand AI's generative nature. Imposing vague standards, as seen in New York's RAISE Act, risks chilling innovation and preventing widespread benefits, like affordable legal or therapy tools. Frazier emphasizes that AI policy should be grounded in empirical data rather than speculative fears. 1958