Podcasts about General Motors

"Si quieres ir al desierto, compra un Land Rover. Si quieres volver, compra un Toyota". Esta frase, que durante décadas ha circulado entre mecánicos, militares y exploradores en los rincones más inhóspitos de África y Australia, no es solo un chiste de barra de bar. Es la síntesis de una realidad que la marca británica ha intentado camuflar bajo capas de cuero premium, madera de nogal y una imagen de prestigio ligada a la Familia Real británica. Bienvenidos a una nueva entrega de nuestra serie “lo que las marcas no quieren que sepas”. Hoy vamos a desgranar los "trapos sucios" de Land Rover, una marca que parece haber perfeccionado el arte del "Síndrome de Estocolmo": te maltrata, te vacía la cuenta corriente, te deja tirado en la cuneta... pero la limpias, la miras y te vuelves a enamorar. 1. El Defender y la "Ergonomía del Potro de Tortura" Empecemos por el icono, el Defender clásico. Diseñado originalmente en 1948 para que un granjero pudiera llevar una oveja en el asiento del copiloto, su ergonomía ha permanecido casi inalterada durante casi 70 años. El problema no es solo que el volante esté descentrado respecto al asiento; es que el espacio para el conductor es inexistente. El asiento está tan pegado a la puerta que, si no conduces con la ventanilla bajada y el codo fuera, tu brazo izquierdo quedará atrapado contra tu propio costillar. 2. La Maldición de Lucas: "El Príncipe de las Tinieblas" Para entender los clásicos de la marca, hay que conocer a su proveedor eléctrico: Joseph Lucas. Durante décadas, el sistema eléctrico de estos coches fue el hazmerreír de la industria. Existe un chiste recurrente que pregunta: "¿Por qué los ingleses beben la cerveza caliente? Porque Lucas fabrica sus neveras". 3. El Range Rover P38 y el "Cerebro Mojado" En 1994, Land Rover intentó dar un salto tecnológico con la segunda generación del Range Rover, el P38. Fue un desastre de proporciones bíblicas. Fue su primer coche gestionado totalmente por electrónica, pero con tecnología inmadura. 4. El Freelander 1: El motor "Sándwich" y la IRD A finales de los 90, el Freelander fue un éxito de ventas, pero bajo el capó escondía el motor 1.8 gasolina Serie K. Este motor estaba construido por capas apretadas con pernos larguísimos que atravesaban todo el bloque. El problema es que los pernos se estiraban con el calor y las guías de la culata eran de plástico. 5. Los "Tres Amigos" del Discovery 2 Si tienes un Discovery 2, conoces a los "Tres Amigos". No son tus compañeros de rutas, sino tres luces amarillas (TC, HDC y ABS) que se encienden simultáneamente en el cuadro de mandos. Cuando esto ocurre, todas las ayudas electrónicas desaparecen. 6. La Caja de Cristal del Range Rover L322 En la era BMW, el Range Rover L322 era el epítome del lujo. Sin embargo, equipaba una caja de cambios de General Motors diseñada para coches mucho más ligeros. Land Rover cometió el error de afirmar que el aceite de la caja era “de por vida” (sealed for life). Como nada es eterno, hacia los 130.000 km la caja solía colapsar, desintegrando los discos de embrague o haciendo explotar el convertidor de par. Una factura de 4.000 euros esperaba siempre a la vuelta de la esquina. 7. La Ruleta Rusa del Cigüeñal (TDV6 y SDV6) Bajo el mandato de Ford, los Discovery 3 y 4 montaron los motores V6 diésel desarrollados con Peugeot/Citroën. Estos motores esconden un defecto oscuro y letal: debido a un fallo en los casquillos de bancada y la lubricación, el cigüeñal sufre fatiga de metal y se parte físicamente en dos. No hay aviso previo, no hay luz de aceite. 8. El Infierno del "Body Off" Para colmo, Land Rover diseñó sus coches modernos (Discovery 3/4 y Range Sport) de forma que el vano motor está tan apretado que casi cualquier reparación "sencilla" requiere separar la carrocería del chasis. ¿Quieres cambiar los turbos o la bomba de aceite? Paso 1: Levantar la cabina entera. 9. Los motores Ingenium y la Cadena "Tímida" En la actualidad, bajo Tata Motors, los problemas no han desaparecido. Los motores Ingenium diésel de 2.0 litros tienen la cadena de distribución en la parte trasera, pegada a la caja de cambios. Si la cadena se estira (un fallo común), hay que sacar el motor entero para cambiarla. Además, sufren de dilución de aceite: el gasoil extra inyectado para limpiar el filtro de partículas termina en el cárter, degradando el aceite y provocando la rotura prematura de turbos y casquillos. Conclusión ¿Odio a Land Rover? En absoluto. Me encantan. Un Land Rover tiene algo que un Toyota o un Mitsubishi jamás tendrán: carisma. Cuando funcionan, son los mejores coches del mundo. Pero no son para todo el mundo. Son coches para quienes entienden que la excelencia y el lujo británico requieren un sacrificio constante.

When your corporate job feels "secure" until it suddenly isn't, real estate can become the Plan B that turns into your best move…  In this episode of the #DoorGrowShow, DoorGrow founder Jason Hull sits down with John Casmon (multifamily syndicator, host of Multifamily Insights, and co-creator of the Midwest Real Estate Networking Summit) to break down how corporate professionals can transition into multifamily investing without becoming a stressed-out landlord. They dive into how John went from corporate bankruptcies to building a multifamily portfolio, what passive investors actually need to know before putting money into a deal, and why trust + clear expectations matter just as much as the numbers.  Jason and John also unpack what this means for property managers: how to align with investor goals, why the best operators project calm control (even in chaos), where syndicators hang out, and how PMs can position themselves to win more multifamily doors.    You'll Learn (00:00) Transforming Property Management: An Introduction  (00:59) John Casmon's Entrepreneurial Journey  (02:56) Transitioning to Multifamily Investing  (04:33) Understanding Investor Types and Property Management  (05:48) The Role of Property Managers  (07:49) Investor Control vs. Trust in Management  (09:33) Challenges in Property Management  (11:17) Aligning Goals with Property Managers  (14:19) The Real Product of Property Management  (17:14) Managing Investor Expectations  (19:50) Syndication: A New Avenue for Property Managers  (23:44) Legal Considerations in Syndication  (26:41) Calmness in Chaos: The Key to Success  (31:40) Partnering with Syndications  (33:54 The Role of Property Management in Syndication  (38:29) Finding Syndicators and Building Relationships  (42:24) Understanding Passive Investment in Syndication  (47:45) Identifying Your Investment Goals  (51:54) Assessing Risk in Real Estate Investments  (55:15) Choosing the Right Market for Investment  (01:00:12) The Three C's of Raising Capital Quotables "The first C is confidence. Confidence comes from preparation." "The investment itself, we got to go out there and execute. But that investor psyche is a completely different game."  "It is not your job to hope. Your job is to analyze the information in front of you and make an informed decision." Resources DoorGrow and Scale Mastermind DoorGrow Academy DoorGrow on YouTube DoorGrowClub DoorGrowLive Transcript Jason Hull (00:01) All right, five, four, three, two, one. All right, I'm Jason Hull, the founder and CEO of DoorGrow, the world's leading and most comprehensive coaching and consulting firm for long-term residential property management entrepreneurs. And for over a decade and a half, we have brought innovative strategies and optimization to the property management industry. At DoorGrow, we are on a mission to transform property management business owners and their businesses.   We want to transform the industry, eliminate the BS, build awareness, change perception, expand the market and help the best property management entrepreneurs win. Now let's get into the show. So my guest today, I'm hanging out here with John Casman, a multifamily syndicator, host of the multifamily insights podcast and the co-creator of the Midwest real estate networking summit. And in today's episode, John's going to break down how corporate professionals can transition.   into multifamily investing, how to find the best markets, how to raise capital effectively, and what separates successful operators from everyone else. John, welcome to the DoorGrowth Show.   John Casmon (01:10) Yeah, Jason, thank you for having me. I'm really excited to be here. Love the intro, your intro, not my intro, ⁓ but excited to be here and share as much as we can on our journey to help all of your listeners reach their goals.   Jason Hull (01:22) Cool. So John, ⁓ it's great to have you. I would love for people to hear about your entrepreneurial journey. How did you get to where you are now? And then we can get into your business.   John Casmon (01:34) Well, the short answer is bankruptcy, right? I worked for a couple of different companies that went through bankruptcy and that really made me consider my other options. You know, I was at General Motors back in 2007, 2008, 2009 when we went through bankruptcy and I was there and I watched what that did to a lot of my peers. I one day in particular when we were going to have a lot of layoffs, I went to work as late as I could. But when I got there, I had a red message, a little red dial on your phone.   for anybody who's worked in corporate and remember voicemails. So I had a red dot on my phone, picked it up, pushed the play button and my heart skipped a beat because I thought maybe I was getting to the can, right? And it was actually a colleague of mine who sat kind of kitty corner in front of me and he had been let go. He, you know, was diabetic. He didn't know I was going to pay for his medication. He just was venting in his voicemail. And I just remember feeling empathy for him, but also   a sense of I just never wanted to be in that situation. So it made me really start to think about Plan B. Eventually I moved to Chicago, realized real estate was going to be that path and learned everything I could about investing. So it kind of took me down that pathway to say, you know what, I need a Plan B because no matter what you do, when you work in corporate America, you do not control your future. You know, there's politics, there's policy, there's a lot of different things involved that you do not control.   And sometimes it does just come down to someone not liking you for whatever reason, or they think you're a threat. And I didn't want to spend the rest of my career navigating those issues. So I figured I had to take more into my own hands.   Jason Hull (03:16) got it. And so you start taking things in your own hands and what was the result?   John Casmon (03:20) Yes. So we landed on multifamily investing, started with small multifamily. My first investment was a two unit building. We house hacked it, which is a common popular phrase now. But back then it wasn't quite as common. But we lived upstairs. We rented out the first floor unit and it worked great. You know, it worked so great that we went to refinance and we had created enough equity in that first investment to pull out a six figure line of credit and go out and buy another property. So.   Jason Hull (03:45) Nice.   John Casmon (03:47) That really got the ball rolling. bought a three unit building, we bought an eight unit building, and at this time I'm still working in advertising, still working in corporate America, and I enjoyed what I was doing, and I just had my second child, but the agency I was working for also went through bankruptcy right at this time. We had expanded, we were growing, and we had kind of combined with a few other agencies and kind of became this little conglomerate, and it just eroded just as quickly as it grew.   I remember again, just sitting there and I've got some real estate. I've got a little bit of cashflow, but not enough to pay all my bills. New baby. And I just realized this real estate thing is working, but the exact strategy I'm employing doesn't allow me to insulate myself from these economic changes and shifts. So I had to change my strategy and that led me to syndication. Since then, we've acquired over $150 million worth of apartments.   We've partnered with busy professionals to buy these properties and give them some passive income. And that's what we've been doing ever since.   Jason Hull (04:50) Got it. So your area of genius really is helping these people that were similar to you, they're in the corporate environment transition into being an investor in real estate.   John Casmon (05:01) Yeah, exactly. And I would say too, it doesn't have to be you're going to quit your job and do this full time. And in fact, most people don't, you know, but most people do want a little bit more control over their life. You want a little bit more flexibility. You want to earn and start building up, you know, your net worth. You want to have a little bit more liquidity. You have to look at your investments to say, what should you be doing? I think most people know that their 401k, their, you know, company issued life insurance.   probably not enough to really get you on the fast track to retirement. So what else could you do? Certainly you can invest in the stock market. Lots of folks do that. But real estate is a proven vehicle. The challenge is, I don't know anyone who really wants to be a landlord, right? ⁓ Certainly you want the benefits of real estate investing, but very few of us want to get those 2 a.m. phone calls. So the shortcut there is, ⁓ hire a property manager. Great solution. But now you have to be able to manage   property managers, right, which is this whole other business. And if you don't have enough scale, then it's hard to get that person really focused on your business. So we offer an alternative, right? You get all the benefits of real estate investing, all the ownership perks without any of the headaches of being the landlord yourself. So it really is a great marriage of being in real estate without having to do the heavy lifting yourself.   Jason Hull (06:15) Okay.   Okay, so ⁓ the target audience of this show are property managers. So if they're not gonna use property managers, then what's the alternative? How does this work?   John Casmon (06:29) Well,   first of all, what we do is not always for that individual. So I think that's the key, right? You've got to understand who you are from a psychological standpoint. So when it comes to investors, there's two types of investors. One wants control, right? They're not willing to be passive. And some people think they want to be passive until they're in a passive situation and then they're calling and they want to know why you did this and why you did that and how come you did do that. That's not a passive investor. And that's fun.   Jason Hull (06:45) Yeah.   Yeah, they're anxious. Yeah. Yeah.   John Casmon (06:58) And   if that's you, you should be active, right? And you should work with a property manager, but you also want to work with the property manager who is going to be right for you, right? Because sometimes that is not how they operate. So you want to understand that. And that's a process to understand who you are as an investor, what kind of investment strategy fits you and what's going to be right there. When it comes to property managers, though, I think there are a couple of things. And as a matter of fact, we just left out of meeting with   property management company yesterday. They have 2000 units. We talked about some other services that we offer. And one of things that stood out to me was just understanding some of the challenges that property managers face. And one of them is property managers are really in a position to think like everyone. They're supposed to think like an investor. They're supposed to understand maintenance and kind of the construction arm enough to understand what needs to happen at a property. But they are really little CEOs, right? Because for   Our stuff, the large apartment stuff, those are typically million dollar annual revenue businesses. And this person is in charge of that asset of that business. They are making the day to day decisions. They are the face for the residents, aka the customers of that business. They are the face and their experience with that individual is how they view that business. So it really is an important role. And if you're working with property managers, it's really important to understand how to find the right people.   to connect with them and have them represent your business, your brand, company in the right light.   Jason Hull (08:30) So now you left an open loop that I want to close. So you said there's two types of investors, those that want control and maybe should go find a property manager, you said. And then what's the other type?   John Casmon (08:34) Yeah.   The other type is those who don't want control and they trust someone else to handle that. And for them, there are a couple of different ways of investing. One is investing passively with a group like ours. The other is turnkey investing where again, you hire a property manager, but you really entrust them to manage the property. The only thing I would say for either one of those groups, myself included, is you want to trust but verify. Okay. You've got to do a lot of your due diligence upfront. You want to understand how they operate. You want to talk to   some of their other clients, some of their other investors, because you need to get a really good sense of what to expect. And a lot of people are great at selling themselves upfront, right? I can tell you everything you want to hear upfront. You want to know what is it like once you sign the paperwork? How often are we going to talk? How frequently am I going to get updates? And at what point am I able to weigh in and make decisions? Because if, if you are someone who wants to be more active or be heard, or you've got thoughts and opinions,   Jason Hull (09:18) yeah.   John Casmon (09:35) You want to make sure you have a voice in your investment. Otherwise you may get really disappointed or you may bring on someone who has a different perspective of what that relationship looks like and that never is going to work out.   Jason Hull (09:47) Yeah, there's a big challenge in the industry and that's that most property management companies suck. so most investors that have dealt with property management to some degree are they have some scar tissue, they've been burned a little bit. They've a lot of property managers that started their businesses that come to me for help to grow their business. They started because they were investor and they couldn't find anyone else to manage the property good enough. And that's why they started their business, but it can be a difficult business to run. so none of them start their business saying, I want to suck.   But that's kind of the default unless they get some really good support or figure some things out through a lot of trial and error. And so that's where DoorGrow comes in. We help them with that. But one of the things I coach my clients on a lot is that they need to shift into being daddy over these rental properties. They need to like tell the owner, hey, you need to trust me. And they need to be able to have a really effective business so that they can lean into that trust.   because a lot of people are anxious. They'll come to them with concerns, but generally if a property manager is good, they're much better at this investing stuff than most investors. And they're much better at coordinating maintenance. They're much better at handling leasing. And so when an owner tries to micromanage a property manager, it kind of doesn't make sense to hire somebody to manage your asset just so you can manage them to do the job. And so I think the secret is finding a really good property manager that you can   let go of control because you can trust them. And but yes, you need to verify that they can do the job that you need them to do. And so a good property manager will take ownership of it and they'll take control and they will, they'll display a lot of certainty and confidence in how they communicate and they won't allow you to micromanage them is what I've seen. So.   John Casmon (11:37) Yeah, Jason, and I'll add to it. There's a two way street there. And I think it's easy for people to say, ⁓ most property managers suck or they're not good or whatever. And listen, there's certainly a lot of challenges there. A lot of folks who are not living up to par to the standards. But I will go back to this. We ask property managers to do the work of generally like a CEO. Right. I mean, again, they're managing million dollar businesses in many cases, yet they don't have that training. They don't have that experience. They don't have the ability to navigate.   all of these various things. So part of what owners and investors need to also understand is that you play the role of asset manager. And that means giving clear direction of what success looks like so that that property manager has a framework to make decisions. It's not to micromanage those decisions, but to help them understand how their decisions impact the greater good. And part of that is like, again, just sitting down with annual goals. What are revenue goals? What are our goals on?   Occupancy, what are our goals on in a lot? And this may seem simple, but I promise you a lot of folks don't do this. And if you don't do that, then that property manager is going to default to, for instance, I'll give you a great example. I've got a property manager. She's awesome rock star. But she always gets nervous when occupancy is not at like 96 or 97 percent of this property. So she is, you she starts apologizing profusely and all I did this or done that and like.   Jason Hull (12:58) Yeah.   John Casmon (13:04) Occupancy is one of our KPIs for sure. It's important, but that is not the KPI. I am focused on my net operating income. And if we're going to push rents, the impact of that is you're going to have higher vacancy and she is not comfortable with that. And that's probably because she's used to working with owners who want that thing fully rented and they are comfortable having 100 % occupancy.   Jason Hull (13:13) Yeah.   Hmm.   Yeah.   John Casmon (13:33) if they're leaving 50 bucks, 75 bucks, whatever it is of rent on the table. And that's the part where you've got to really align with your vision versus their vision, because what they have in the back of their mind may not completely align with what you have. Or they have residents in their face who are coming into the office. They want something fixed. They want it done quickly. They want it done right. They want it done yesterday.   Jason Hull (13:49) Right.   .   John Casmon (13:59) So they've got that pressure of this person in their face. So they may go out there and spend the money or authorize the money to get spent. And maybe they're not picking the most cost effective measure. So you have that. And I'll give you one third one. A lot of times when you run into the flip side of that is maybe occupancy is low. They say, hey, we need to increase our marketing spend, right? We got to increase our marketing budget. know, ox is down to 88 or 90%. We got to spend more money. And we're not necessarily.   really zeroing in on what the specific issue or challenge is at that property. So for an owner, your job as an asset manager is to partner with them and to help them see what the options are, help them work through with some of those challenges and solutions are and partner with them to find success. It's not to micromanage them and tell them what to do, but it's really to understand the situation better and give them that perspective.   Jason Hull (14:49) Yeah, that makes a lot of sense. think, you know, one of the things I've seen is that I've noticed a lot of property managers, they make the mistake of thinking that the goal or the product that people want to buy from them is property management. But investors don't wake up in the morning and go, man, I'm so excited to get property management today. The thing that they want. And so the way I describe it to them as they say, property management is like the flight to Hawaii. It's not Hawaii.   and you're trying to sell the flight. That's not the exciting part. You need to figure out what the investor wants, what their goal is. Where do they want to go? What's Hawaii for them, right? What's paradise? And then how do we optimize for that? And how do we help them create a path for that? Because the actual product that a property manager is selling is not what they do. It's not property management. The actual product is them. It's them and their values and their belief system and how they create trust and the team they build and the system and mechanism they build around them.   That's the actual product the property manager is selling. so a lot of property managers make that mistake. They sit there and talk to you about maintenance coordination and leasing and inspections. And meanwhile, you're just wondering as an investor, can I even trust this person? Like do our values align? Yeah. So I don't know what your thoughts are on that, but.   John Casmon (16:11) I think you're spot on, right? Because, I mean, ultimately, as an investor, you are only as good as the team you can build. And that property manager is in charge of the day-to-day aspects of the business. especially when you, you know, I've heard horror stories of folks who have done like turnkey investing, right? Where the property manager, someone owns it, they buy it, they fix it up, and then they rent it back to...   an investor. And I've heard horror stories where that property was not being well managed. And that's the fear. If you're not in that marketing, you can't come and see it. So if you got an out of town investor, you really are trusting that property manager. So that is the most important thing, right? Everything else are tactical, daily situational things that can change. But it comes down to do I have the right people, people that I can trust, people who are going to make the right decision based on the information they have.   because they may not know what I know or maybe something shifted and changed where they would have made a different decision. We can't, you know, ache on that. It really comes down to are they doing their best? Are they making good decisions? If they're not making good decisions, is it because they didn't have the correct information, which again, could fall back on you as the investor to say, hey, are they aware of what your goals are? Are they aware of maybe this situation, these tools, these resources, whatever it is? And that's on you to sit and collaborate.   But trust is absolutely paramount because at end of the day, the thing that I think most of us are concerned with is who we partner with. And there's a great book I'm reading right now. And it gets into decision making and the fear of decision making for most of us and why deals stall. Why didn't you hire somebody? Why didn't you, you know, go with the vendor or go with the contractor or with the company? And the biggest thing is we are scared of making the wrong choice. All of us in decision and no action.   Jason Hull (17:43) Absolutely.   John Casmon (18:04) is better than the wrong action for many people because they once they take action. Well, now they're blaming themselves because you didn't pick the right person. Why did you hire that guy? You should have like now this starts to go on in their head versus doing nothing. Well, at least it's you know, it's not going to get worse, you know, it will in lot of cases get worse. So for a lot of people, that is the scariest thing. So if you can take that fear off the table as far as being the right person or being someone who is trustworthy.   Jason Hull (18:07) Right, yeah.   John Casmon (18:32) everything else gets easier. So if you can do that, that's, you know, the best thing you can do as an investor or as a property manager.   Jason Hull (18:38) Yeah, I agree. think one of things that I talk about a lot is that clarity has to come before action because if you don't have clarity and you start taking a bunch of action, doing stuff, every action you take is a little bit wrong. Sometimes it's a lot wrong. so, yeah, we need to get that clarity first before we start ⁓ making moves. And you talked about, I love the example of your property manager that is trying to   optimize maybe for the wrong thing. They're like, want to optimize to the, making sure their vacancy is super low. But that might not be the goal. That's not the primary goal. The goal is money, you know, and there's a really good book is by Elihu Goldratt. It's a good book for operations people, but it's called The Goal. And spoiler alert, the guy's trying to figure out the goal through this whole book, the story and it's money. That's the secret. The goal is the of the business, should be making making money.   And what happens in this book is that people are over optimizing individual pieces in this flow at this warehouse. And it's actually not helping to make money. It's causing more constraint. And so if we over optimize at one stage, it actually creates waste, bloat, inventory, additional work for the next stage. And so sometimes the best thing certain departments can do is slow down and do less in order to get the outcome to be maximized outcome.   And there's some really great examples in that that I think are really powerful. But I think the if you're optimizing for the wrong thing, then you're not making it effective. So you want to make sure you're optimizing for the right thing. Otherwise. ensues. You get mad at somebody, but nobody understood what the goal was. And so I think, yeah, getting a greed upon set of criteria of what what the outcome is and asking the property manager, can you help me achieve this?   And they know, they know if they know what the problem is, usually they can, they know how to help you get whatever goal that you have. And they know whether your goal is probably realistic or not, because they've helped probably a lot of people do this similarly. And so, but yeah, I think it's very important. Make sure you know, where's Hawaii and maybe property management is the vehicle. Now you had mentioned like, I'm really curious about this idea of, you know, maybe creating syndications.   Some property managers are now starting to think, maybe I should create a syndication. What's your criteria for, what's a good syndication and what are some of the, I'd be really curious to get into if some of the property managers listening were wanting to do kind of a little bit of what you do, how they might be able to get started in that. Like what are the beginning steps to make sure they don't make the mistakes you probably already figured out in the beginning?   John Casmon (21:27) Well, I think the first thing is, you really want to get into it? Right. Because for a lot of people, you got to understand it's a different business. Now you're not talking about real estate investing. You're not talking about property management. You're really talking more about, you know, investment management. You're talking about bringing on private investors who are looking for a return. That is communication skills. That's building up a network and a database of   Jason Hull (21:35) Mm-hmm.   Right, returns.   John Casmon (21:54) prospective investors, it's understanding the return projections that they're looking for. And it's really kind of managing the investor expectations, not necessarily the investment. And to give you a great example here, I had a deal where the investment went great, but it was slightly lower than what we initially projected. And I had an investor who was upset.   Jason Hull (22:07) Yeah.   Yeah.   John Casmon (22:23) about that. And we had communicated all throughout the entire process where things sat and he wasn't too upset, but he still made it a point to let me know, hey, well, this is less than what you initially thought. And that's challenging because the market shifts, right? Anybody who's bought properties in 2022 and beyond knows the market has shifted drastically over the last three or four years. So those projections made in a 2021-22 environment   Have a hard time standing up in a 25 26 environment We still make good money on that deals double-digit returns for investors ⁓ But you know there was that that was that feedback I got from one of the investors conversely We just exited deal a couple months ago, and we completely exceeded our return projections You know we delivered on a almost a 2.7 equity multiple Hit all you know mid 20s on the IRR completely unheard of stuff in this environment   And I have one investor call me and say, hey, John, I just checked my account. Is this right? And I'm like, yeah, it's it's right, man. He's like, my gosh, you guys killed it, man. my. Like, this is amazing. And it's great to hear. But again, that is separate from the investment. Right. Happy to manage the investor expectations and concerns. But that was an up and down investment where we had, you know, a moment where we actually had to put some of our general partner capital into the deal to keep it going.   Jason Hull (23:27) Yeah.   Yeah.   John Casmon (23:48) We have floating rate debt. had to refinance out of that. And we had to kind of rush to do that before rates started to go crazy. We had moments where our construction or renovation costs were much higher than we anticipated. So there are a lot of things that we had to navigate. And I think what happens for a lot of operators, a lot of people who get into syndication, they know the real estate and want to do the real estate, but they do not understand the perspective of the investor. And when you don't communicate to investors on a frequent basis and a clear, transparent nature,   Jason Hull (24:19) Yeah. Yeah.   John Casmon (24:19) They fill in the blanks and   the first concern every investor has and they won't say it. Most of time they don't say it, but I promise you they're thinking it after they make that investment. my gosh, did I make a mistake? Am I going to lose money? Is this person going to run off? Is this going to be some sort of fraudulent thing? Is this deal going to fail? These are all that we're wired like that. This is caveman stuff, right? We're wired to protect ourselves.   Jason Hull (24:36) Hmm.   Right.   John Casmon (24:45) And when you make an investment, and by the way, our investments are typically $50,000 and up, right? So these are not small investments. So when you make that investment, people start to second guess that decision. So my job when it comes to this side of the business is to keep them grounded that, hey, you've done your research, you've made an informed decision, you've picked a good partner, we've done this before. ⁓   Jason Hull (24:50) Yeah. Right.   John Casmon (25:13) And it's really to make sure that they feel comfortable with that decision. It has nothing to do with the investment, right? The investment itself, we got to go out there and execute. But that investor psyche is a completely different game. So first thing I would tell any of your property managers when they get into this business is understand, do you actually like people? Do you want to manage investors? Are you comfortable managing people's money? ⁓ And then beyond that, you have to do it the legal way. There are a lot of regulations around accepting capital from other people.   Jason Hull (25:31) you   John Casmon (25:42) So you can do it as a joint venture. The more common way of doing it, the more accepted way of doing this is by doing a formal syndication, which requires you to file SEC documentations. ⁓ know, there's regulation D and regulation A and there's some couple others, but typically it's going to be reg D 506 B or 506 C filing, which basically is the the structure that allows you to offer ⁓ passive investment opportunity or a security to investors. So again, for some people,   It's overwhelming. they're like, nope, never mind. But for some people, they love it. They want to get into it and they can learn more about that process.   Jason Hull (26:19) Got it. Yeah. I think I love your idea that it's more about managing expectations rather than the investments. And I think, I think that's good advice for all the property managers listing. This is something we spend a lot of time coaching clients on because they think their job is to manage properties. But really, if they're not strong in managing expectations and managing the relationship, it's 10 times to 100 times harder to manage the properties.   their operational costs go through the roof because owners are getting anxious. They're asking more questions. They're getting all these interruptions and calls, tenants, owners constantly. And if they had just managed the relationship and expectations and set strong boundaries at the outset, everybody would feel calmer. And I think really for business owners, I think the thing that really stood out to me that I've been focused on, and this is I've done some personal coaching and this is just nervous system regulation.   If you can, and John, seem like you're pretty chill and pretty calm and I'm sure the investor feel safe with you, which is why you've had success. If you are a person that is anxious and you're running around like a chicken with your head cut off, you're going to have, you're going to struggle in leading anybody, especially in relationships to your spouse and like everybody else. so having a calm, regulated nervous system allows your investors.   to entrain to your nervous system and to feel safer and to calm down. And that's not something you can pretend or you can just fake. You have to be that and they can sense and they can feel that it'll come across in your tone and in your body language and how you communicate. But if you can make sure that you're in that space and that you're able to regulate your own system, you're able to stay calm when other people are coming at you.   and other people are angry and other people are emotionally heightened. And you recognize this isn't really you. It's just that's them. And you can maintain that calm. You will be able to create a lot more safety. And that's really what people want to buy. Most people out there, their primary basic need is safety and security. Most people. That's why they aren't entrepreneurs. That's why they don't go start jobs. That's why they aren't like you and me. And if you're a property management business owner listening to this,   Most people are not like you. They want safety and security. That's why they get a property manager. They want peace of mind. And so, and I'm sure investors in a syndication, they also want some peace of mind because this is a big chunk of change.   John Casmon (28:55) They do. And I will say to most of the property managers I come across thrive in chaos. Right. They're used to stuff getting thrown at them. Right. And when you talk to them and get to know them, you learn very quickly. They like it. They do. They like the fact that they don't know what the day is going to bring. It could be a. Yeah, yeah. Could be a tenant coming with some crazy issue. It could be something from it's never boring and they thrive in it. However.   Jason Hull (29:00) Yeah.   Yeah.   They like the variety and unique challenges that property management brings, for sure.   It's never boring.   John Casmon (29:25) What happens then if you if they're going to look to work with investors and particularly raise capital and kind of do their own syndications, they have to understand that while they may thrive in chaos and uncertainty, most other people want organization. You want everything you said right. You want to have the calmness. You are looking for a captain to steer the ship. And for that part of the personality, they're going to have to tap into a different side of it to demonstrate how they handle chaos.   Jason Hull (29:37) Hmm.   Yeah.   Yeah.   John Casmon (29:54) not that they are chaotic. And I think what happens a lot of times when you're working with property managers is that they don't project that level of control. It just feels like they're reacting. So part of it is that, and they're really, really good ones. The ones who make it to that next level who are the regional managers and get those promotions, well, that's what they do. They manage the chaos and they manage up. They do a great job of telling the owners,   Jason Hull (30:06) Yeah.   Mm.   John Casmon (30:23) the leadership, whoever they need to talk to, they're telling them, hey, here's how here's our process. Here's how we're managing the situation. Here's what's going on. Here's what we're into. Hey, we had a water main burst here. Here's we bought. call three companies. We've got three quotes, but it's calm, right? It can be the worst. I'll give you a real example, right? At a fire, one of my properties and I was going to meet a property manager and I just happened to have a meeting with her that day at the property. She called me.   I was literally about to get in the car. She called me and said, Hey, I just want to let you know we've got a fire going on at the property. I'm not sure if you still want to meet. You're happy to come. We already have, you know, the fire department's here. They're they're putting the fire out right now. We already have another company that's coming in. They're going to walk through the damages once this is kind of settled. And I've already talked to the residents. Residents are good. We've got them hotels for the evening. We've checked with insurance. This is covered in your policy. So they're good to go. So you're happy to come down and talk and all of that if you want to.   Or we can let things settle down and maybe we can meet next week. This is a fire, right? This is like a scary situation. She called me.   Jason Hull (31:26) Right. A literal fire. Yeah. And there's plenty of fires   in managing properties. The literal ones.   John Casmon (31:33) Her calmness, she was so calm. Not only was   she calm, she had handled 90 % of it, right? It was the stuff you could handle in the moment. She handled it. So was like, hey, I don't think it makes sense for me to because I'm probably just going to add more anxiety to the situation at this point, right? It seems like you've got it under control. Why don't we let things settle, literally let the dust settle? And then once it's there, I'll come down. We can assess the damages, figure out what else needs to happen, what other next steps need to take place, right?   Jason Hull (31:41) Yeah? huh.   question. Yeah.   John Casmon (32:03) but had it handled like a rock star. Now, a lot of other folks would have saw the flames, called immediately, my God, there's a fire. ⁓ my God, what are we gonna do? So now you freaking out, everyone's freaking out, no one's controlling the situation, right? So now everyone's mind is just spinning and going. it does really take, kind of go back to where we started the conversation, that mindset of someone who was the boss, who was leading.   Jason Hull (32:05) Yeah, I love that.   Yeah. Freaking out. Yeah.   Hmm. Yeah.   John Casmon (32:32) who is going to take charge, even though it's not their property, they're going to take charge. Here's what needs to happen next. Maybe you have an emergency response plan already put in place, but you have these things already scheduled and ready to go. So when they happen, you're not shocked. You're not surprised. You're not asking questions that maybe you should have figured out upfront. And that's what a great property manager does. And if you convey that to owners, you're going to stand out above and beyond your competition because most people cannot convey that level of control, the level of   planning and the level of expertise that it takes to truly and effectively manage properties from the front, being proactive as opposed to just reacting to whatever the issue of the day is.   Jason Hull (33:13) Got it, okay. So ⁓ I'm reading, I just read, well, I didn't just read. I read in the past a really great book called Extreme Ownership. Really good book. Yeah, phenomenal book. ⁓ I'm going through their newer book, which I think is even better, called The Dichotomy of Leadership. leadership is what we're talking about right now, is that that,   John Casmon (33:23) Yeah, I think I got it like right here. It is right there.   Absolutely.   Jason Hull (33:38) creates a huge impact and there's a lot of misunderstandings of what leadership is, like it's control or it's being aggressive or, but yeah, it's really that calm presence of letting people know I've got it. Like we can take care of this. We've got a plan and staying regulated and calm. So I love that. ⁓ have a, so another question I have is how can the property managers listen to this? How could they maybe target or partner   with, if possible, syndications like you, like people that are doing what you're doing. Is there a chance that they could be a resource or do most syndications just in-house and do, they are a property management business?   John Casmon (34:19) No, no, most ⁓ most that I know work with third party manager companies. So I would say first and foremost, if you and syndications, I mean, it sounds like a big, huge, fancy word. But I mean, honestly, anytime you work with passive investors is technically a syndication. So it really comes down to figuring out who is looking for third party management and whether or not it's technically a syndication or not is really irrelevant. You want someone who is going to be managing or owning the property.   Jason Hull (34:24) Okay.   Yeah.   John Casmon (34:49) They want third party, but you have to understand their plan, going back to understanding the goals, right? Most syndications are looking to sell in a three to seven year timeframe, typically five to seven years. Most buy and hold owners have not decided or have not identified their exit strategy. So that's probably the biggest difference is when you have, let's just call it an individual investor or maybe it's a   Jason Hull (35:01) Okay.   Right.   John Casmon (35:17) a family or whatever that's buying and they want a third party manager, they don't know the exit. They haven't predetermined that they're going to sell in five years. So they are buying and holding it. And that goes back to the the I think the separation of understanding the objective, because for that person, having a full property is great. It means they're maximizing the revenue potential today. When you are syndicating.   most syndicators already assume 5 % vacancy. That's that's in everyone's underwriting. So you being at 100, they won't even give you credit banks don't even give you credit for it. So all of these things are already assumed. So for us to be above that is actually a miss, because it means we're not being as aggressive on the rent. So just understanding the mindset of a syndicator, which is they are looking to sell typically they're looking to double their money over a five or six year period. So how can you create value?   And that's something most property managers don't fully understand. But I would sit and I would talk to that syndicator. And if you want to be a syndicator or partners, not just be a third party vendor, but you actually want a partner, which we have seen a lot of folks look to do. You want to figure out how you can bring value to the table, because now we are aligning your interest with that syndicators interest. And now you've got a great partnership.   because every syndicator is going to need property management and they're going to need construction management to drive value. So if they can bring those people in as partners, that's a great opportunity for you. And if you're a property manager, you may have phenomenal relationships. You may already have contractor or the vendor partners that you trust in that marketplace. And if you could then take that and get a slice of the equity, that makes you very valuable for both sides.   Jason Hull (37:08) Do syndications, do they also need investors in capital or do most of them have that, are they really good at that? Okay.   John Casmon (37:15) Absolutely. Yeah. Yeah. Yeah.   mean, I mean, syndication at its core really just comes down to the need of capital. If someone had the capital themselves, they would probably just buy it directly and not go through the process of syndication. Because the syndication is literally just raising the money from passive investors. And in that scenario, again, being able to manage that, manage the communication, ⁓ that's really what a syndication truly is.   Jason Hull (37:42) So a really good property management partner could bring property management, some of the construction elements and investors and capital to the table. So it could be a nice little.   John Casmon (37:51) That would be amazing.   I'll be honest, man. That's because I don't want your listeners sitting here like, oh, I don't have one of those. I don't know if I've ever met one that had all of those. If you do have all of them, yes, you should consider syndicating yourself because you got all the pieces to the puzzle. Typically, what happens is a property manager has the property managers. I'll give you a great example. I got a 54 unit down in North Carolina. OK, so I came in as a key principal. I've got a.   Jason Hull (38:03) Okay.   Okay.   John Casmon (38:20) to my coaching clients. It's his property that he found. He asked me to come help him with the loan, which I did. One of the members, one of the partners is the property manager. So that's kind of their role to the table is they're managing the property. That's what they kind of came on. They had a couple of relationships, but their main role is the asset and property management side of it. So that's a great way to come to the table. But. Just like anything else in business.   Jason Hull (38:33) Mm-hmm.   John Casmon (38:49) It's very hard to find someone who checks every single box. I mean, that's like finding the marketer who's a CMO, who's also the CFO, who's also the COO, who's also the chief of human resource. very like no one, people don't really have like top notch excellent skills at every single one of those, right? Like you might be great at business, great at sales, great at marketing. You're probably terrible at finance, right? Like you just, you just forget to do your expense report type person, right? So it's hard to find someone who's   checks all those boxes. And I think typically when comes to property management, you want someone who's great with people, can resolve issues, but also has to be somewhat, you know, sufficient when it comes to the numbers, tracking all the data, tracking all the, you know, the rent roll, the leases, the income and expense statements, things like that. So usually they're not going to do every single box. But again, if you can find someone or that's where partnerships make sense.   Jason Hull (39:24) Mm-hmm.   John Casmon (39:43) If you've got that awesome. And again, I'm not saying a company doesn't have that. I'm just saying a single individual doesn't, which is why it's great to partner. If you can find someone who maybe brings a set of skills that you don't have, whether they're joining you in your property management business or they're partnering up where you're bringing your property management skills to the table with their investing or their networking skills, that makes for a good partnership.   Jason Hull (39:43) Mm-hmm.   Yeah, I got it. Well, we've got several clients, you know, all over the U S that are really good at property management. They're really good at handling the maintenance stuff and they obviously have a pool of investors as clients and, and, know, and they know that they can't do everything. So we coach them in making sure that they would do time studies. They figure out which, what their purpose is. We start to align them towards more fulfillment, more freedom, more contribution and more support in their business.   John Casmon (40:32) Yeah.   Jason Hull (40:38) And they start to build the right team. So they're getting operators, they're getting BDMs, they're getting the things they're not like strong in. And so we just make healthier businesses. So for those of maybe my clients listening that have healthy property management companies. And, but they don't want to do syndication. They're just like, man, that's a whole nother business. If I stay in my lane, I can grow that faster. How do they find syndicates? Like, how do they find people like you? Cause you've got a lot of properties connected to you.   and they would probably love to chat with somebody like you. Where do you syndicate people hang out? What's the title? Who runs a syndicate? What are they called? Do they have a specific title?   John Casmon (41:15) You   Yeah.   Yeah, great. Great question. Multifamily syndicator is is kind of the name just syndicator. We're all over. So I've got a podcast called Multifamily Insights. I interview like minded individuals. I've been doing that for a long time. We've done our seven hundred and seventy plus episode. So lots of people, lots of syndicators there. Definitely conferences. So if you look up any multifamily conference in your city.   Jason Hull (41:25) Okay.   Nice.   Okay.   John Casmon (41:46) meetups, lot of meetups in different cities as well. Those are great places to find syndicators. I think the biggest thing though is this.   Figure out who your avatar is. Because while we're talking about syndicators, ultimately, if you want to scale your property management business, I presume you're trying to scale with folks who are looking for third party management and the best option for that. OK, and let me back up. had one of the guests out of a podcast some years back, ⁓ Ashley Wilson. Love Ashley. As you said, something really changed when I thought about the business.   And she said the best way to find any vendor, any vendor is to figure out who relies on that vendor next and ask them for referral. So if you think about it, if you want a great drywall person, ask a painter. A painter is going to know who's great at drywall because they're going to know who makes their job easy and they can come in and just start painting versus a drywall guy who maybe doesn't, you know, you know.   Jason Hull (42:38) I like it.   John Casmon (42:55) mud the drywall properly or doesn't sand it down. So they got to do all this extra work before they start their process. Right. So a painter is going to know a great drywall guy. And in this case, it's really hard on ⁓ the property manager because you guys are the ones who do the work. But if you are looking for syndicators, OK, well syndicators, person who buys the deal. Well, who sells the deal? A broker. Find brokers. Go to a broker, commercial multifamily broker and ask them, hey,   Jason Hull (43:01) I love this.   Yeah.   John Casmon (43:25) Do you know some groups or you have properties that you're going to list? Here are the kind of deals we want to do now on the flip side of that. You got to be good at your job, right? You got to sell yourself and share what you do. So if you've got a great track record, a great resume, showcase that, bring that broker through and let them know, hey, we're looking to scale our property management business here. Here are the kind of assets that we want to manage. If you come across any of these that you're going to list, would you mind keeping our main name out there or referring us or giving us introductions to any of those buyers?   Jason Hull (43:53) Yeah.   John Casmon (43:54) so that we can throw our hat in the running to manage these properties. That's a phenomenal way to do that. And it allows you to shine and expand your relationships in your core networks and in your core markets.   Jason Hull (44:06) Brilliant. think I love the, I love Ashley's idea that you shared, you know, the drywall. Yeah. The painters, like they don't want to be painting over a crappy drywall. They're like, this is a mess. Like this doesn't even look good in my job. Now I'm going to look bad. Yeah. So the brokers know who maybe those best syndicators are. And so they could just go to the brokers and say, Hey, who's, who's doing deals like this? Who who's got things going on? Like who could you connect me with?   And I avoid maybe.   John Casmon (44:36) And on top of that, keep in mind, too, like what   are the times when? Yeah, but think about to like when is a property hiring or bringing on a new property manager? Right. So it's either a current owners firing the existing property manager or the property is being sold. Right. So, I mean, if you can get in during that transition phase, that's going to help you tremendously. And if even if they're firing their existing property manager, you can think through, OK, how do I?   Jason Hull (44:51) Yeah. Yeah.   John Casmon (45:06) work myself and get my name out there. And a lot of times, again, you're going to ask, right? You're going to ask other investors. If I were going through that process, I'm going to call my buddies into space, right? And say, hey, man, having a hard time, my current PM is not working out or we're not hitting our objectives, looking at some other options. Do you have any experience with these guys? What do you know about these guys? Or do you have anybody you could recommend? It's word of mouth, right? So that's what's going to start happening as well. So you kind of have to get out there and network and let folks know who you are, what you do. But you want to be someone who   people can say, yeah, these guys are amazing. You know, they, they only had an eight unit, but they crushed my eight unit for me. I'm sure they kill your 25 unit or your 50 unit. And you've got to start building that rapport and building your reputation in your market.   Jason Hull (45:44) Yeah.   Nice. This is good advice, my friend. So, cool. For those that maybe are investors listening to this show, ⁓ I'd love to hear a little bit about what you do, how you do run your syndication, and how they can ⁓ make things more passive, if that's what they're looking   John Casmon (46:08) Yeah, man. So there are lots of different ways to get in. If you are looking to be more passive, ⁓ high level, here's how it works. OK, so first and foremost, me and my team would go out. We look for the deals. We focus on a really tight radius. So we're in Cincinnati. We like Cincinnati, Columbus, Louisville, Kentucky. Really a two hour radius of the Cincinnati market is where we focus. And right now we actually think there's more opportunities locally. So we're really honed in on Cincinnati right now. But we focus on that once we find a deal.   We reach out to folks in our network. So we have folks in our investor list. ⁓ Once they're on our list, we kind of have a quick vetting process and then we can share opportunities with them. Once they see that opportunity, they get a chance to review it. We like to have a webinar where we answer any questions about the deal. I think for new investors, it's a great way to learn because we have a lot of experienced investors who ask very intelligent, thoughtful questions that   Many first time investors probably would not even think of. And that's a great way to learn, right? And ultimately when it comes to this space, it's really about education. know, it's educating yourself, understanding how you think about risk, how you mitigate risk in your investment choices. And those webinars are a great chance for you to learn about that the first time. Once you've done that, you can go ahead and fill out our official paperwork with our SEC documents.   Jason Hull (47:30) Mm-hmm.   John Casmon (47:30) And then   once you're through there, you can make the investment. But the first thing is just to get on our list, you can have access to the deals. And before you do that, we've actually put together a guide that can help people because I found that when I have these calls, people don't ask great questions. Sometimes they do. But I want to make sure that you are informed and well educated because this is a big investment. You know, this is not a 599 thing. And if it doesn't work out, OK, well, I just wasted six bucks. No.   Jason Hull (47:54) .   John Casmon (47:59) We're asking you to make a pretty large investment, whether it's with us or with others. If that's what you're looking to do, I want to make sure you're well informed. So we put together a guide. It's seven questions you must ask before investing in apartments. You can get that on our website. It's casmancapital.com slash seven questions, but it gets into questions around the market itself, the operating team, what you should be looking for, the deal. What is the story of this property? What's the business plan? And it helps you identify different levels of risk because the reality is   Anything can work, but you want to mitigate risk as much as possible, particularly when you're a passive investor, because you are basically saying, I'm trusting these people to find the right deal and execute. And you want to make sure that you are finding and identifying the right individuals who have a proven track record doing the thing that they are asking to do. When I hear about people losing money in real estate. At least 50, if not 70 % of the time.   Jason Hull (48:35) Hmm.   John Casmon (48:57) It is someone doing something for the first time. It is the first time in the market, first time doing this kind of deal, first time doing this kind of business plan. And. I can't tell you how frustrating it is because it's a big red flag, and it's not to say they can't do it and can't have success. But if it's your first time, I want to see how you're mitigating that right. You want to partner with someone who does have the experience you want. Like there are lot of things that you can do to put the odds in your favor. And when you're a passive investor.   Jason Hull (48:59) Mm, yeah.   John Casmon (49:26) It is not your job to hope. Your job is to analyze the information in front of you and make an informed decision. So this guide can help you do that.   Jason Hull (49:34) Yeah, love it. I'm going to run a quick word from our sponsor real quick. Our sponsor for this episode is Vendero. And many of you tell me that property management maintenance is probably the least enjoyable part of being a property manager and definitely the most time consuming. But what if you could cut that workload by up to 85 percent? That's exactly what Vendero has achieved. So they leverage cutting edge AI technology to handle nearly all your maintenance tasks from initiating work orders.   Troubleshooting, coordinating with vendors and reporting. This AI doesn't just automate, it becomes your ideal employee. Learning your preferences, executing tasks flawlessly and never needing a day off and never quitting. This frees you up to focus on the critical tasks that really move the needle for your business, whether that's refining operations, expanding your portfolio or even just taking a well-deserved break. Don't let maintenance drag you down. Step up your property management game with Vendero. Visit vendero.ai slash door grow today and make this the last maintenance hire you'll ever need.   All right, so John, this is super helpful. love you've got your list. ⁓ You got your webinar, you've got your guide. I would recommend property managers listening to this. If they're curious about the world of syndication, that they start getting into your stuff and seeing how an expert like you is doing this and maybe even get involved in some of the deals with you or something might be a good idea. And they can kind of get a feel for how this works. And then maybe they'll say, I don't want to do what John does.   And I'll just find people that do, but they'll at least understand how they could partner with people like that. then, or they may decide, you know what? John's clever, but I'm clever too. I might be able to figure out how to do this too. And maybe they'll do it too. And, but I think there's a solid opportunity for property managers that want to be in the multifamily space and do multifamily management to find third party people that are doing these syndication deals. They need good property managers and property managers want more doors and they want to grow.   And if you don't, because your business sucks and it's uncomfortable, then reach out to me. I'll help you out. We'll get you dialed in. But ⁓ John, what else would you say to the investors that are maybe they're familiar with this and they've done some real estate investing and they've worked with some syndications ⁓ and they get on your list to do the webinar. What would you say to them next?   John Casmon (51:56) Yeah, I think the biggest thing is understand what you're looking for. You know, I think one of the biggest challenges for investors is when you can't pull the trigger, it's typically because you haven't figured out what you're solving for. Are you looking for passive income? So you're just looking for a cash flow? Are you looking for long term wealth appreciation? Are you looking for tax benefits and to reduce kind of your tax liability? Do just want to diversify? Maybe you got feel like you have too much in a stock market, just like we put something somewhere else. So.   Figure out what you're actually solving for. Understand your risk tolerance, you know, because every deal is different. In our case, we do value add B class deals. That's a fancy way of just saying we like properties that already making money that are solid, solid tenant based. Think of when I say B class, I'm thinking of all stuff that was built maybe 30 years ago, maybe 40, maybe 20 years ago. Stuff that.   your teachers, your firefighters, your police officers, places where they might rent. So desirable locations, not luxury, not super high end, not, you know, super courts, everything. ⁓ But, you know, places that you would want your kid, your kid was in college, places you would be fine with your kid living, right? So you're thinking about that stuff. That's, you know, I don't say affordable stuff. That's not crazy price. So that's kind of what we focus on.   Jason Hull (53:15) So would   that be like, is that how you find the best markets then?   John Casmon (53:21) That's part of it. That's our strategy. There are different strategies that people utilize. I have found for us that is a sweet spot where we can take those kind of assets, modernize them and create value for potential renters. Some people like to focus only on they call it core plus right where they're buying newer stuff, stuff built five years ago or three years ago. And maybe it was, you know, leased up and they're just going to go in and hold it longer. You'll find other ways to add more money through amenities.   Jason Hull (53:35) Okay.   John Casmon (53:50) So some people do that strategy. Some people like older properties where they're buying more distressed or much older properties and are trying to fully renovate them and bring them up. There are strategies out there, something like new construction, stuff that doesn't exist. They want to build from the ground up. So it really comes down to you. Every investing strategy has a different level of risk. This has nothing to with real estate, right? This is investing in general. you're buying, you know, know, value stocks versus growth stocks versus Internet, it's the same stuff, right?   So you just have to figure out your level of risk. We like value at B-class multifamily deals. Once you understand your level of risk and balance that with your return expectations or projections, that's when you can figure out which investments actually make sense. You know, I have some folks who they like to invest in what we call trophy assets. And...   They may not know that right away, but when you send them a couple of deals and they look at the property like, ⁓ it's okay. They want something. They want something they can brag about. They want to drive you by like, see that building over there? That's me. And if that's fine, if that's what you want, understand what comes with that, right? That's going to be a lower term, right? Because these are, there's not much value to create, right? You've got a brand new property. It's A class, rents are $2,500. There's not a whole lot you can do there. And because of that,   Jason Hull (54:49) Yeah, they don't want to show that off. Look what I'm connecting.   OK, right.   Thank   Yeah.   John Casmon (55:13) There's not as much risk. So you're going to get less return because there's less risk. That's fun. Some people want to maximize their return, right? Hey, I don't need this money. I want to let it ride for 20 years. So they might want to do new construction or they might want to do a deep discount, highly distressed vacant property that needs, you know, $50,000 per unit to renovate it and turn around because the upside is there. So it just depends on that investor and your level of risk. Right. And most of us fall somewhere in the middle.   Jason Hull (55:27) Thank   John Casmon (55:43) which is kind of our strategy. figure out your level of risk tolerance, what you're looking for. And sometimes you don't know until you start looking at a Because you might think you're a cashflow person until I show you what cash flows. And you're like, oh, no, I don't want to be in that de

It's an open secret that the Chinese government has, for years, engaged in a global campaign to steal intellectual property from Western tech and manufacturing firms. Those stolen secrets have helped Chinese companies, in industry after industry, close the gap and in many cases surpass their competitors elsewhere. And at the center of that campaign is the Ministry of State Security (MSS), China's pre-eminent intelligence agency. The US has apprehended hundreds of people linked to the MSS and its efforts, but its inner workings remained a mystery until one arrest unearthed a trove of confidential documents, covert communications and even a diary.The Sixth Bureau follows Xu Yanjun, the Deputy Division Director of the Sixth Bureau of the Jiangsu Province MSS office. Xu is a burnt-out spy with money problems, a crumbling marriage and a deep resentment for his boss - on a mission to snatch the crown jewel of American aerospace: GE jet engines. With dead drops, cyberattacks, aliases, blackmail and the occasional break-in, Xu played a role in one of the largest economic espionage operations in history, targeting corporate giants like DuPont, Boeing and General Motors. But in the end, his sloppiness - and a cunning FBI sting - led to a stunning reversal: Xu was lured to Belgium, extradited to the US and became the first Chinese intelligence officer ever convicted on American soil.Through undercover recordings, insider accounts and deep reporting, The Sixth Bureau reveals how one man's downfall pulled back the curtain on China's sprawling espionage machine. This isn't just a story about spies: It's about the people caught in the middle of a new kind of cold war.Become a supporter of this podcast: https://www.spreaker.com/podcast/arroe-collins-like-it-s-live--4113802/support.

The Boys continue the story of the Du Pont dynasty as they evolve from World War I profiteers into architects of the modern age, embedding themselves in everything from General Motors to the chemicals in your very own bloodstream. From leaded gasoline and the coup to overthrow Franklin D. Roosevelt to their role in the Manhattan Project and napalm, the 20th century becomes a Du Pont production. War, coups, forever chemicals - profit at every step, with no accountability. For Live Shows, Merch, and More Visit: www.LastPodcastOnTheLeft.comKevin MacLeod (incompetech.com)Licensed under Creative Commons: By Attribution 4.0 Licensehttp://creativecommons.org/licenses/by/4.0/Subscribe to SiriusXM Podcasts+ to listen to new episodes of Last Podcast on the Left ad-free, plus get Friday episodes a whole week early. Start a free trial now on Apple Podcasts or by visiting siriusxm.com/podcastsplus. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Prohibir redes sociales a menores pondría a México en conflicto con el T-MEC, la Corte salva a General Motors de pagar 2,600 millones de pesos al SAT y el cambio climático encarece 123% los precios de café en el mercado financiero, con Alberto Verdusco y Patricia Tapia.00:00 Introducción01:30 Canadá eleva la tensión en el T-MEC y se perfila a una revisión más áspera, pero sin ruptura07:41 Prohibir redes sociales a menores pondría a México en conflicto con el T-MEC10:48 La Corte 'salva' a General Motors de pagar 2,600 mdp al SAT14:31 El cambio climático encarece 123% los precios de café en el mercado financiero17:20 CONADE presenta plan rumbo a Los Ángeles 2028 y busca asegurar sedes clasificatorias en México

Today on CarEdge Live, Ray and Zach discuss the latest on General Motors. Tune in to learn more! Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Shoot us a Text.Episode #1273: GM is staying lean to outmaneuver the next sales slowdown. AI's appetite for memory chips could spark a new supply squeeze across autos and tech. Retailers are proving that telling better stories sells.Show Notes with links:General Motors is rewriting its inventory playbook, running 30–40% leaner and hoping that tighter supply, stronger cash flow, and faster decision-making could turn the next cycle into a competitive advantage.S&P Global Mobility forecasts U.S. sales down 2.5% to 15.8M units as affordability and softer EV demand weigh on the market.GM is targeting a 50–60 day supply versus the pre-pandemic 100+ days.Leaner inventory gives GM more flexibility to adjust incentives in a downturn without crushing profitability.Dealers have felt the squeeze, especially on affordable models, prompting GM to stage select Trax and Trailblazer units at ports to speed delivery.CFO Paul Jacobson summed up the strategy: “It's easier to do when you have less inventory in the system because you can just respond much more quickly.”Just when the auto industry thought it survived the chip crisis, here comes round two—this time powered by AI. Data centers are devouring global memory supply, forcing automakers to brace for tighter supply, higher costs, and potential production headaches.AI data centers are soaking up global DRAM and memory production, with Western Digital and Seagate already sold out of most 2026 capacity.Memory chip prices have jumped 90% quarter-over-quarter, prompting PC makers like Dell to raise prices 15–20%.Tesla's Elon Musk says the solution may be vertical integration: “We're going to hit a chip wall if we don't do the fab.”Retailers are doubling down on something we at More Than Cars know well—storytelling sells. Brands are shifting from simply stocking products to crafting narratives that spark emotion, build loyalty, and turn casual shoppers into long-term fans.Nordstrom says department stores no longer “introduce” brands—they help tell their story and build deeper consumer connection.Five Below credits curated social storytelling—merchandising and marketing working together—for stronger engagement with younger shoppers.Under Armour's Kevin Plank says brands must inspire emotion: “The world does not need another capable apparel and footwear manufacturer. The world needs hope and they need a dream.”Today's show is brought to you by ESi-Q. ESi-Q measures employee satisfaction and provides actionable insight into what's driving employee engagement and turnover - before employees leave.Join Paul J Daly and Kyle Mountsier every morning for the Automotive State of the Union podcast as they connect the dots across car dealerships, retail trends, emerging tech like AI, and cultural shifts—bringing clarity, speed, and people-first insight to automotive leaders navigating a rapidly changing industry.Get the Daily Push Back email at https://www.asotu.com/ JOIN the conversation on LinkedIn at: https://www.linkedin.com/company/asotu/

Welcome back to our series, "On Becoming: The Art and Craft of Personal Storytelling." In this series, we take a close look at personal essays written by real students, talking about why we love them, what makes them work, and how they came to be. On Becoming speaks not just to the craft of writing, but to what I believe the personal statement is at its best: a record of becoming, the often messy, hopefully meaningful process of finding yourself… through the process of storytelling. In this episode, we slow things down and focus on a single essay, which the author calls "Much Ado About Nothing." Together, we take this essay apart, looking at the storytelling choices on the page, the deeper ideas underneath them, and how the essay captures a moment in the student's becoming.  Dr. Greg Ungar is a professor at the University of Denver. Greg grew up in California and spent six years working on the assembly line at General Motors before finding his way to college, where reading (and thinking) changed the direction of his life. Greg went on to study philosophy and theatre arts at UC Berkeley, and later earned advanced degrees across a wide range of disciplines, including sociology, criminal justice, acting, and theatre and drama. He's someone who has spent a lifetime thinking deeply about identity, work, class, performance, and what it means to make meaning out of lived experience.  We hope you enjoy.    Play-by-Play: 3:23 – Why do Ethan and Greg love reading stories and poetry together?  5:34 – Do college essays need a title?  6:47 – Greg reads the essay, "Much Ado About Nothing"  12:03 – What does Ethan love about this essay?  13:25 – What did Greg notice while reading?  19:23 – How does the author use structure to keep the reader engaged?  25:02 – How can humor be used in college essays?  30:58 – How does the author show different roles and identities throughout?  40:24 – Closing thoughts   Resources: "Much Ado About Nothing" Essay College Essay Essentials  College Essay Guy's Personal Statement Resources College Essay Guy's College Application Hub  

On today's show, host Dana Pellebon is in conversation with Director Ilesa Duncan and cast of cullud wattah,  Jnae Thompson (Ainee), J'Nya Smith (Reesee), Jayda Smith (Plum), and Faerie Afi Mlatawou (Reese/Plum understudy). It is 2016 and it has been 936 days and counting since Flint, Michigan, has had clean water. Third-generation General Motors employee Marion finds herself on the cusp of a promotion until her sister begins participating in protests accusing the company of poisoning the water. Forced to confront their past and weigh their limited options for the future, the family of Black women finds their tight-knit unit threatened by more than just the toxicity of the water. Written by UW-Madison and First Wave alumna Erika Dickerson-Despenza, this powerful play deconstructs the linear passage of time to ponder the choices we make for the sake of our survival.  They discuss the ongoing Flint water crisis and break down a key refrain from the play, “there's money in war, and there's war in money.” They also talk about the actors’ relationship to their characters, their favorite moments in the play, and what it's like to perform with an all-Black and femme-identified cast.  cullud wattah is showing later this month at the UW Vilas Hall-Mitchell Theatre. Tickets are available here.  Featured image of J'Nya Smith, Jayda Smith, Dana Pellebon, Faerie Afi Mlatawou, Ilesa Duncan, and Jnae Thompson. Did you enjoy this story? Your funding makes great, local journalism like this possible. Donate hereThe post A Roundtable with the Cast and Director of cullud wattah appeared first on WORT-FM 89.9.

In today's Cloud Wars Minute, I analyze the leadership shift at Workday and what it means in the age of agentic AI.Highlights00:00 — I want to talk about a change at the top of Workday. And I want to point out somebody who's been a real superstar in this business and that's Workday co-founder, former co-CEO, former CEO, chairman, executive chairman, resigned as CEO, now back in as CEO, Aneel Bhusri.01:13 — He was going to be the person that ran all the business, the operations. And Aneel said, "I can go back to what I truly love," which is developing products and strategy. Carl Eschenbach left about a week ago. The board asked Bhusri to step back in as CEO, and he's done that. So there's no question that Aneel Bhusri's first love is products and strategy.02:24 — He said, “Now, with Carl Eschenbach coming in a couple of years ago, now I can go do this stuff I really love around products and strategy.” It is this thing about never being trained to do it. He's on the board of directors at General Motors, a highly accomplished executive in a lot of ways. Aneel certainly doesn't need the money.03:13 — How does a company like Workday or Oracle or SAP or Salesforce balance those two things, the enterprise applications that brought them here, and the agentic AI that has to take them forward? Workday, several months ago, announced Workday ERP. From the outside, you've got SAP and Oracle always aggressively trying to go after Workday customers.03:59 — I want to mention about Aneel, the way he manages. He said, “I've sort of become”— this is when machine learning, ML, was really becoming hot — “I became the Pied Piper of Workday. I was just going around to all the different developers and engineering teams and just asking developers and engineering teams over and over and over again, what are you doing with ML?"04:56 — And now they've got two great president-level executives at Workday. Rob Enslin and Gerrit Kazmaier. I think it's very likely that about a year from now, Workday will announce that Bhusri is going to become co-CEO and elevate one of those two, Enslin or Kazmaier, to the co-CEO role with him. Visit Cloud Wars for more.

In this episode of the Share PLM Podcast, we are joined by Javier Sánchez, Plant Manager at Kerry. Javier Sánchez is a seasoned industrial leader with over 30 years of experience driving transformation and operational excellence across global manufacturing environments. From his early engineering roles at General Motors and Delphi to senior management positions at Panrico, Andros, and now Kerry Group, Javier has built a career around lean leadership, innovation, and people-driven performance. With an MBA and a background in Mechanical Engineering, he brings a strategic yet hands-on approach to leading change and promoting continuous improvement.In this conversation, Javier shares how lean thinking has evolved from a factory-floor methodology into a people-centered leadership philosophy—and why successful PLM and operational transformations depend as much on mindset, engagement, and storytelling as they do on tools and processes.Here's what you can look forward to in this insightful episode:⚉ Lean Management Beyond the Factory Floor⚉ Applying Lean Principles to Engineering and Design⚉ The Shift from Tool-Driven to People-Centered Transformation⚉ The Power of a Strong Change Story⚉ Soft Introduction as a Strategy for Sustainable Change⚉ Measuring Engagement to Guide Transformation⚉ Standardization Without Losing Local Context⚉ Leadership Experience: Start With People, AlwaysCONNECT WITH JAVIER: ⚉ LinkedIn: https://www.linkedin.com/in/javiersanchezjimenez/ CONNECT WITH SHARE PLM:⚉ Website: https://shareplm.com/ Join us every month to listen to fascinating interviews, where we cover a wide array of topics, from actionable tips, to personal experiences, to strategies that you can implement into your PLM strategy.If you have an interesting story to share and want to join the conversation, contact us and let's chat. We can't wait to hear from you!

Plus: a Dubai businessman resigns after documents released by the Justice Department revealed his close ties to Jeffrey Epstein. And Anthropic has added former Microsoft and General Motors executive Chris Liddell to its board of directors. Pierre Bienaimé hosts. Sign up for WSJ's free What's News newsletter. An artificial-intelligence tool assisted in the making of this episode by creating summaries that were based on Wall Street Journal reporting and reviewed and adapted by an editor. Learn more about your ad choices. Visit megaphone.fm/adchoices

The blog postIn this episode, I explore the 1987 NUMMI Management Practices Executive Summary — a confidential General Motors report that documented why the joint venture between GM and Toyota was succeeding so dramatically.What's striking is how clearly GM's own study team understood the real drivers of NUMMI's performance. It wasn't tools. It wasn't discipline. It wasn't copying Toyota's production techniques.It was leadership.The report describes a management system built on mutual trust and respect, problem-solving at the source, quality built into the process, and supervisors acting as coaches rather than enforcers. Nearly 40 years ago, GM documented that NUMMI's success came from management philosophy — not Lean tools.And yet, insight proved easier than action.In this episode, I walk through the document's key sections, including NUMMI's basic principles and five major management strategies, and reflect on why translating those lessons into broader cultural change proved so difficult.If you're interested in Lean leadership, psychological safety, or the origins of what we now call continuous improvement, this historical document offers powerful — and still relevant — lessons.

Russell is a Senior Engineer at General Motors and a commercial real estate investor in metro Detroit, with prior experience at Chrysler and Ford, where he filed three automotive engineering patents. A former Division II college football player at Ferris State University, he brings discipline and drive to investing. Russell and his wife Paula began their real estate journey in 2019 with single family rentals, executed a successful BRRRR strategy, and expanded into multifamily with a five unit acquisition in 2024. He joined Rod's Warrior Group in October 2024 and continues to self manage and grow their portfolio with a focus on long term wealth building.   Here's some of the topics we covered:   Why Detroit became Russell's secret investing weapon The real reason Russell went all in on multifamily How discovering the Warrior Group changed his trajectory Finding deals in markets where everyone else gave up The financing tricks Russell uses to get deals done Why October 2024 was a turning point for Russell The power of joining a team when you want to scale What's next as Russell and his team level up   To find out more about partnering or investing in a multifamily deal: Text Partner to 72345 or email Partner@RodKhleif.com    For more about Rod and his real estate investing journey go to www.rodkhleif.com   Please Review and Subscribe  

In der heutigen Folge sprechen die Finanzjournalisten Philipp Vetter und Holger Zschäpitz über sprunghafte Anleger, das krasse Cloudflare-Versprechen und ein furioses Comeback von Luxus. Außerdem geht es um Alphabet, Seagate, Western Digital, Robinhood, Lyft, Mattel, Hasbro, Marriott, Hilton, Ferrari, Kering, Marsh, Arthur Gallgher, Aon und Willis Towers Watson stürzen in den USA ab, dann in Europa: die Aktien von Allianz, Zürich, Axa, Aviva, Raymond James, Charles Schwab, Micron Technology, Cisco, Intel, Verizon, Qualcomm, Toyota, British American Tobacco, Siemens, Novartis, Bayer, Total Energies, GSK, General Motors, AT&T, Bank of America, Applied Materials, Citigroup und Ford, Amundi Global Luxury ETF (WKN: A2H564), iShares Edge MSCI World Value Factor ETF (WKN: A12ATG), iShares Edge MSCI Europe Value Factor ETF (WKN: A12DPP), iShares Edge MSCI USA Value Factor ETF (WKN: A2AP35), iShares Core MSCI World ETF (WKN: A0RPWH). Wir freuen uns an Feedback über aaa@welt.de. Noch mehr "Alles auf Aktien" findet Ihr bei WELTplus und Apple Podcasts – inklusive aller Artikel der Hosts und AAA-Newsletter. Hier bei WELT: https://www.welt.de/podcasts/alles-auf-aktien/plus247399208/Boersen-Podcast-AAA-Bonus-Folgen-Jede-Woche-noch-mehr-Antworten-auf-Eure-Boersen-Fragen.html. Der Börsen-Podcast Disclaimer: Die im Podcast besprochenen Aktien und Fonds stellen keine spezifischen Kauf- oder Anlage-Empfehlungen dar. Die Moderatoren und der Verlag haften nicht für etwaige Verluste, die aufgrund der Umsetzung der Gedanken oder Ideen entstehen. Hörtipps: Für alle, die noch mehr wissen wollen: Holger Zschäpitz können Sie jede Woche im Finanz- und Wirtschaftspodcast "Deffner&Zschäpitz" hören. +++ Werbung +++ Du möchtest mehr über unsere Werbepartner erfahren? Hier findest du alle Infos & Rabatte! https://linktr.ee/alles_auf_aktien Impressum: https://www.welt.de/services/article7893735/Impressum.html Datenschutz: https://www.welt.de/services/article157550705/Datenschutzerklaerung-WELT-DIGITAL.html

Major automakers like General Motors and Ford are facing massive losses in the electric vehicle market, totaling a staggering $114 billion. GM, under CEO Mary Barra, initially championed an all-electric future but has since faced significant setbacks, including billions in write-downs due to its failed EV strategy. Ford has also suffered substantial losses, raising questions about the leadership of its CEO, Jim Farley. While global EV sales are increasing, the majority of these sales are concentrated in China, with North American sales lagging significantly. Tesla, Rivian, and Kia have all experienced sales declines, further highlighting the challenges in the US EV market. Even Porsche is scaling back its EV ambitions due to tepid demand, signaling a broader shift away from complete EV dependence.

During Race Industry Week by EPARTRADE, Jim Campbell, Vice President of Performance and Motorsports Commercial Operations at General Motors, delivers a comprehensive look at GM's expanding global motorsports strategy—from Cadillac's entry into Formula 1 to a new 2026 NASCAR Cup Series Camaro, and the advanced simulation, CFD, AI and powertrain technology driving performance across every series.Broadcast from inside GM's high-performance powertrain facility in Pontiac, Michigan, Campbell explains how this center anchors GM's factory race programs and its Chevrolet Performance parts business—supporting programs in F1, NASCAR, IMSA, FIA WEC, IndyCar, NHRA, off-road racing, and more.

Cadillac made a big splash at the Super Bowl...they're a team in a hurry.Climb the ladder with me on Patreon: https://patreon.com/lawvsSergio Perez followed Cadillac and General Motors' wishes for ambition and no hand-holding for the F1 team's first season in the sport. Forget the patience Audi is seeking, the new American Formula 1 team is going big in its wishes to be taken seriously with its initial Andretti project backed by TWG money and influence. And oh yes! The livery lacked colour, but it made up for it in depth and meaning. #f1 #cadillacf1 #checo #sergioperez #valtteribottas #cadillacf1team #cadillac #formula1 #formulaone #f12026 #f1news #f1latest #f1drama #f1teams #f1drivers #gmvsford #fordvsgm #fordperformance #fordracing #redbullracing Get 15% off at the Castore Official website with my special link: https://glnk.io/ryj2p/lawrence #AdCastoreAffCan't watch the ladder? HEAR it instead as a podcast.RSS: https://feeds.acast.com/public/shows/lawvsSpotify: https://open.spotify.com/show/6hcmgaNHAcU5AHjUITTXS8Apple: https://podcasts.apple.com/tt/podcast/lawvs-the-ladder-man/id1720160644Brand new PO BOX now open: LawVS, PO BOX 437, WALLINGTON, SM6 6EZ, UKWear a piece of F1 history on your wrist with Mongrip: https://mongrip.com/?ref=mxyyVz7corTaLG Hosted on Acast. See acast.com/privacy for more information.

️Kilowatt 678 Description In this episode of Kilowatt, Bodie breaks down the most important takeaways from General Motors' Q4 and full-year 2025 earnings call, so you don't have to sit through the entire investor presentation. Led by Mary Barra, the call provides insight into GM's current financial position, its evolving electric vehicle strategy, and how the company is navigating shifting regulations and market demand. The episode also explores growth in Super Cruise subscriptions, along with GM's emphasis on safety and reliability as autonomy expands. Wrapping things up, Bodie looks at GM's outlook in China, where new-energy vehicles now make up about half of sales, and what that means for the company's global EV ambitions. Support the Show Support Kilowatt Other Podcasts Beyond the Post YouTube Beyond the Post Podcast Shuffle Playlist 918Digital Website News Links General Motors Q4 and Full-Year 2025 Earnings Conference Call Show art created by DALL·E Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

CNBC Leaders Playbook features candid conversations with the world's top CEOs and business leaders about how they think, decide, and lead, hosted by CNBC Senior Media & Tech Correspondent Julia Boorstin.In this episode, General Motors CEO Mary Barra and Senior VP of Manufacturing and Product Engineering Josh Tavel discuss how they run the best-selling automaker in the U.S., and their plans to drive the more than 115-year-old company into the future.Visit CNBC.com/LeadersPlaybook for more. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

We dive deep into digital privacy enforcement, the exploding intersection of litigation finance and law firm operations, and how alternative business structures (ABS) and managed service organizations (MSOs) are reshaping legal services. Hosts Brandon Schuh and Nick Hartmann talk with Nick Rowles-Davies, CEO at Lexolent, dissect the FTC's landmark General Motors and OnStar settlement, which finalized in January 2026, revealing how millions of consumers unknowingly had their precise driving data collected, sold, and monetized without consent. The conversation explores the regulatory response, the growing complexity of fee-sharing arrangements in contingency-based litigation, and the philosophical debate between UK and US approaches to nonlawyer investment in law firms. Woven throughout are lighter moments, including a "two truths and a lie" game testing movie trivia knowledge about Back to the Future, Die Hard, and The Breakfast Club.The episode reflects broader industry shifts like private equity capital flooding into legal services, litigation funders gaining unprecedented control over case strategy, and regulators tightening scrutiny on data-driven business models that exploit consumer blind spots. For legal professionals, insurance industry participants, and policy advocates, this episode maps the emerging terrain of consumer protection in connected vehicles, the ethical fault lines of litigation finance, and the practical mechanics of MSO structures designed to attract venture and private equity backing while skirting prohibitions on nonlawyer ownership.Key Takeaways:GM/OnStar Settlement (January 2026): FTC finalized a major enforcement action banning GM from sharing geolocation and driving behavior data with consumer reporting agencies for five years and requiring explicit opt-in consent for all future data collection, a landmark win for privacy advocates concerned about insurance rate impacts.Alternative Business Structures (ABS): Limited to Arizona, Utah, and DC in the US, ABS allows nonlawyers to hold equity in law firms directly. This contrasts sharply with UK structures, where ABS has been legal for over a decade and shows more tolerance for mixed ownership models.Managed Service Organizations (MSOs) as Workaround: Since ABS remains rare in most US states, law firms partner with investor-backed MSOs that handle back-office, marketing, and technology functions, siphoning off overhead costs while keeping lawyer-owned firms appearing compliant with Rule 5.4 prohibitions.Episode Chapters05:30 Privacy & Digital Surveillance08:30 GM/OnStar FTC Settlement Details & Data Monetization10:00 AI Liability & Regulatory Uncertainty Discussion15:00 Settlement Negotiations & Litigation Strategy18:00 Insurance Industry Corporate Raids & Fictional Premise24:30 GM Truck Insurance Quote & Data Sharing Consent27:00 Litigation Prediction & Case Strategy28:00 Administrative Duties & Managed Services Models31:40 Guest Introduction & UK Legal System Background32:00 Alternative Business Structures & Private Equity in Law35:00 Ethical Concerns in MSO Models37:00 Margin Analysis & Contingency Fee Economics41:00 Litigation Finance Benefits & Structural Risks43:00 UK vs US Bar Ethics & Jury Trial Impact45:00 Fee-Sharing Regulations & Risk Assessment49:00 Regulatory Credibility & Litigation Finance Critique55:00 AI Asymmetry in Litigation StrategyConnect with RiskCellar:Website: https://www.riskcellar.com/Guest: Nick Rowles-DaviesLinkedin: https://www.linkedin.com/in/nick-rowles-davies/ Portfolio: http://www.legalfinance.expert/Substack: https://nickrowlesdavies.substack.com/Company Website: http://www.lexolent.com/ Brandon Schuh:Facebook: https://www.facebook.com/profile.php?id=61552710523314LinkedIn: https://www.linkedin.com/in/brandon-stephen-schuh/Instagram: https://www.instagram.com/schuhpapa/Nick Hartmann:LinkedIn: https://www.linkedin.com/in/nickjhartmann/ 

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Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger PictureThe green new scam is dead, and in Texas people are now seeing that wind and solar cannot support the electrical load during the cold. China said the quiet part out loud, they were suppose to be the reserve currency. Trump’s new Fed chair help with the transition. Trump is now exposing the criminal underworld the people of this country. The people are seeing all the pieces of the crimes they have committed. When the people see that all the characters are criminals and have done horrible things and that these people are the same ones that have been trying to stop trump, it is game over. Trump is now pushing the Save Act to shutdown the [DS]. Trump is setting the country up for the win.   Economy Report: Texas Wind and Solar Failed During This Week's Winter Storm, Grid Carried by ‘Natural Gas and Coal' The recent snow storm that overtook Texas reportedly crashed the state's wind and solar energy generators, leading to natural gas, coal, and nuclear providing most of the state's electricity. https://twitter.com/RyanMaue/status/2015854614206206101?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2015854614206206101%7Ctwgr%5Eccb14922c034250da614ea4ff40e89ae08ce9117%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2026%2F02%2Freport-texas-wind-solar-failed-weeks-winter-storm%2F According to David Blackmon, an energy-related public policy analyst and consultant, by the early morning hours of Jan. 26, natural gas, goal, and nuclear were providing 89 percent of all the state's power. “Natural gas alone is chugging along at an impressive 68%,” Blackmon reported online on Substack later that same day. Politico similarly reported that the U.S. energy grid “leaned heavily on coal and natural gas generation to satisfy the energy appetite from Winter Storm Fern.” https://twitter.com/mayes_middleton/status/2015822288663228536?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2015822288663228536%7Ctwgr%5Eccb14922c034250da614ea4ff40e89ae08ce9117%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2026%2F02%2Freport-texas-wind-solar-failed-weeks-winter-storm%2F Source: thegatewaypundit.com China is on a ‘strong currency' mission to make the yuan a global reserve: Xi Xi Jinping says the goal of becoming an international powerhouse is a long-term one and will rest on core foundations China needs to build a “strong currency” that can become widely used in international trade, investment and foreign exchange markets, and reach the status of a global reserve. Source:.scmp.com Trump Launches $12 Billion Strategic Mineral Stockpile To Counter China; Rare Earth Stocks Jump The Trump administration is preparing to launch a major initiative aimed at protecting US manufacturers from disruptions in the supply of critical minerals, committing about $12 billion in initial funding to build a strategic stockpile of essential materials, according to Bloomberg. The project, known as Project Vault, is designed to reduce America's dependence on China for rare earths and other strategically important metals. By creating a centralized reserve for civilian industries, officials hope to cushion companies against sudden shortages and sharp price swings that can disrupt production and strain finances. Shares of MP Materials, USA Rare Earth, Critical Metals and other rare earth associated names are higher between 5% and 10% heading into the cash open on Monday on the news. At this point it’s safe to say last week’s Reuters rare earth hit piece (authored most likely at the behest of a disgruntled short), which sent the sector tumbling on disputed claims the Trump administration was seeking to distance itself from the rare earth space by moving away from a price floor on critical metals and suggesting MP’s deal with the government may be in question, has been thoroughly debunked. Even the MP Materials X account was mocking the grotesque misreporting: https://twitter.com/MPMaterials/status/2016734732835573833?ref_src=twsrc%5Etfw Project Vault will be financed through a mix of private and public funding: $1.67 billion is expected to come from private investors, while the US Export-Import Bank is set to provide a $10 billion loan with a 15-year term. The bank's board is scheduled to vote on the deal, which would be the largest in its history. More than a dozen major companies have joined Project Vault, including General Motors, Stellantis, Boeing, Corning, GE Vernova, and Google. Three large trading firms – Hartree Partners, Traxys North America, and Mercuria Energy – will handle sourcing and purchasing materials for the stockpile.    Source: zerohedge.com https://twitter.com/Geiger_Capital/status/2018319873609290010?s=20 https://twitter.com/StephenMoore/status/2017295983940354307?s=20 https://twitter.com/profstonge/status/2018300872447418573?s=20 (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); Political/Rights https://twitter.com/rickygervais/status/2018249171900227730?s=20 https://twitter.com/NICKIMINAJ/status/2018147684276748388?s=20 https://twitter.com/NICKIMINAJ/status/2018146323581513971?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2018146323581513971%7Ctwgr%5Ebf8eb4e3fdfcee731660a65a8ed9f8dad15fa004%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2026%2F02%2Fnicki-minaj-fires-back-grammys-host-trevor-noah%2F know — yet they continue to attempt bullying. Also, I won't be releasing an album until my contract is renegotiated & until I tell you about all the sabotage this RICO is finding out about Billboard. https://twitter.com/NICKIMINAJ/status/2018156644689920362?s=20   https://twitter.com/TrumpWarRoom/status/2018142074906845333?s=20    accused of being there, not even by the Fake News Media. Noah, a total loser, better get his facts straight, and get them straight fast. It looks like I'll be sending my lawyers to sue this poor, pathetic, talentless, dope of an M.C., and suing him for plenty$. Ask Little George Slopadopolus, and others, how that all worked out. Also ask CBS! Get ready Noah, I'm going to have some fun with you! President DJT https://twitter.com/Patri0tContr0l/status/2018162192676229182?s=20   the TV tells them to. https://twitter.com/DrunkRepub/status/2017198485510963485?s=20   https://twitter.com/MrAndyNgo/status/2018184786209087562?s=20   Lord Mandelson resigns from Labour Party over Epstein links Lord Mandelson says he has resigned his membership of the Labour Party as he does not want to “cause further embarrassment” by his links to the late convicted paedophile Jeffrey Epstein. The former cabinet minister, who was sacked as US ambassador last year because of his past connections to Epstein, appeared in the latest release of files by the US Department of Justice on Friday. Documents suggest Epstein made $75,000 (£55,000) in payments to Lord Mandelson in three separate $25,000 transactions in 2003 and 2004. In his letter to Labour’s general secretary on Sunday, Lord Mandelson said: “I have been further linked this weekend to the understandable furore surrounding Jeffrey Epstein and I feel regretful and sorry about this.” He added: “Allegations which I believe to be false that he made financial payments to me 20 years ago, and of which I have no record or recollection, need investigating by me. Source: bbc.com https://twitter.com/Patri0tContr0l/status/2018011104094380207?s=20  TRUMP'S DOJ that arrested Epstein. Facts are hard for professional liars like Eric Swalwell.   Newly-Released Emails Reveal Jeffrey Epstein May Have a Secret Son  Newly-released emails reveal Jeffrey Epstein may have a secret son. Sarah Ferguson, the former Duchess of York, congratulated Epstein on the birth of his baby boy. Ferguson said she ‘heard from the Duke' that Epstein had a baby boy. The email is date September 21, 2011 so if Epstein has a secret son, he would be 14 years old today. The Daily Mail reported:   Source: thegatewaypundit.com https://twitter.com/JayTC53/status/2018073517368184847?s=20  Jew night” “media elite” and “once the money is paid” https://twitter.com/JayTC53/status/2018128138715443273?s=20 the biggest Trump haters were best friends with Jeffery Epstein https://twitter.com/WarClandestine/status/2018358307052793892?s=20   since been neutralized by King Salman and new crown Prince MBS. This Epstein email reveals (confirms) two sides of the Deep State triangle. House of Saud, and the Rothschilds. https://twitter.com/elonmusk/status/2018185343263019234?s=20  https://twitter.com/elonmusk/status/2017859237502767117?s=20 https://twitter.com/amuse/status/2018351298685419772?s=20   the documents with required redactions. With Trump exonerated & damaging details now pointing toward Democrat power brokers, the pressure has abruptly flipped back to secrecy. https://twitter.com/WarClandestine/status/2018138887655133692?s=20   https://twitter.com/WarClandestine/status/2018017331499213275?s=20      DOGE Geopolitical https://twitter.com/visegrad24/status/2018020919252230227?s=20   since 1996 but was stormed by the police for the eviction 5 weeks ago. Nearly 2000 of the protesters later broke off from the main demonstration and fought the police for hours in the streets. They threw stones, fireworks and homemade bombs while also setting barricades and police vehicles on fire. Many Italians are now calling on Meloni to launch a crackdown against violent far-left extremist. https://twitter.com/EricLDaugh/status/2018311833405293048?s=20    friendship and respect for Prime Minister Modi and, as per his request, effective immediately, we agreed to a Trade Deal between the United States and India, whereby the United States will charge a reduced Reciprocal Tariff, lowering it from 25% to 18%. They will likewise move forward to reduce their Tariffs and Non Tariff Barriers against the United States, to ZERO. The Prime Minister also committed to “BUY AMERICAN,” at a much higher level, in addition to over $500 BILLION DOLLARS of U.S. Energy, Technology, Agricultural, Coal, and many other products. Our amazing relationship with India will be even stronger going forward. Prime Minister Modi and I are two people that GET THINGS DONE, something that cannot be said for most. Thank you for your attention to this matter!   War/Peace  https://twitter.com/AP/status/2017881629440483383?s=20     https://twitter.com/RapidResponse47/status/2018022342731976897?s=20 We have the biggest, most powerful ships in the world over there… hopefully, we’ll make a deal. If we don’t make a deal, then we’ll find out whether or not he was right.” https://twitter.com/WarClandestine/status/2018030967823192563?s=20 Medical/False Flags   [DS] Agenda https://twitter.com/EndWokeness/status/2018176829723398321?s=20  https://twitter.com/Tyler2ONeil/status/2017430244496412840?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2017430244496412840%7Ctwgr%5E1d06078b39cc73de0216e98cb34ee981fb7d135c%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.dailysignal.com%2F2026%2F02%2F02%2Fbreaking-2-more-arrested-minnesota-church-invasion%2F  Armstrong tells Lemon—who knows the location but is hiding it from his audience—that they’re going to “disrupt business as usual” at what we later learned was Cities Church. Lemon said he would see her there. https://twitter.com/AGPamBondi/status/2018326184468058566?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2018326184468058566%7Ctwgr%5E1d06078b39cc73de0216e98cb34ee981fb7d135c%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.dailysignal.com%2F2026%2F02%2F02%2Fbreaking-2-more-arrested-minnesota-church-invasion%2F   https://twitter.com/libsoftiktok/status/2018337163188846994?s=20   https://twitter.com/Rightanglenews/status/2018101057902059727?s=20 Anti-ICE Resistance Manuals and Training at Schools Receiving Federal Funding Anti-ICE resistance training manuals, including de-arresting and blocking, are being distributed, and in some cases, the training is being held in schools receiving government funding. Image of de-arresting by Minnesota ICE Watch. Minnesota ICE Watch, the organization that Renee Good and her wife were members of, distributed a document known as the “De-Arrest Primer,” which instructs activists on how to physically interfere with law enforcement officers during arrests. The manual provides detailed guidance on pulling detainees from officers' grips, pushing and pulling officers, breaking holds, and opening law enforcement vehicles to free suspects. The manual also teaches the use of coordinated chanting to create confusion and overwhelm officers during active arrests, as well as surrounding officers until they release detainees. The guide openly acknowledges that these actions may constitute criminal offenses but argues that the risk is justified. Each successful interference is described as a “micro-intifada,” framed as a tactic meant to spread, replicate, and inspire wider disruption. The manual claims these methods originated in pro-Palestinian campus protests and presents them as a model for broader resistance activity. While no single formal publisher is identified, the manual appears to originate from broader activist and radical networks that promote direct physical interference with law enforcement. It has circulated widely through Instagram and other activist communication channels and has been used in training individuals described as “constitutional observers” or “ICE watchers.”   Source: thegatewaypundit.com https://twitter.com/nicksortor/status/2018111147237425556?s=20   https://twitter.com/nicksortor/status/2018114619320017259?s=20   JUST IN: Chicago Mayor Brandon Johnson Signs “ICE On Notice” Executive Order to Prosecute ICE Agents  Chicago Mayor Brandon Johnson at a press conference hosted by Illinois Governor J.B. Pritzker / Screenshot: MSNBC Chicago Mayor Brandon Johnson signed an executive order on Saturday, launching investigations into ICE agents and laying the groundwork for criminal referrals for alleged law violations.  The order “creates a framework for public accountability in the event federal agents violate local or state law while operating in Chicago,” a press release from Johnson's office reads.  “Nobody is above the law. There is no such thing as ‘absolute immunity' in America,” Johnson said in a statement. Source: thegatewaypundit.com https://twitter.com/9mmsmg/status/2017633783638368516?s=20 https://twitter.com/Sec_Noem/status/2018435428932538861?s=20   President Trump's Plan  Federal Appeals Court Tosses Justice Department's Misconduct Complaint Against Judge Boasberg  A federal appeals court tossed out a Justice Department misconduct complaint against Judge James Boasberg. AS previously reported, DC Chief Judge James Boasberg and other DC Judges admitted bias against the Trump Administration during a March 2025 judicial conference with Chief Justice Roberts, according to a memo obtained by The Federalist. For the last year, DC Circuit Court Judges have engaged in a judicial coup against President Trump. Far-left DC judges James Boasberg, Beryl Howell, Chutkan, Berman Jackson and others have ruled against President Trump in every case related to deportations and firings in the Executive Branch. Source: thegatewaypundit.com   https://twitter.com/WallStreetApes/status/2018099758943084657?s=20   agencies, Los Angeles County has more than 36 states combined and 30X MORE than the whole state of Florida and New York “How is that possible? And take a look at this map, a cluster of 287 hospice providers, in a two-mile radius, some in strip malls, unmarked buildings, even a wrecking yard and vacant lot. All of it is just paperwork. I could fill that out in Kazakhstan if I want and get a hospice license waiting for me.” https://twitter.com/elonmusk/status/2018172495535247571?s=20      Rebuilding, can be, without question, the finest Performing Arts Facility of its kind, anywhere in the World. In other words, if we don't close, the quality of Construction will not be nearly as good, and the time to completion, because of interruptions with Audiences from the many Events using the Facility, will be much longer. The temporary closure will produce a much faster and higher quality result!   Based on these findings, and totally subject to Board approval, I have determined that the fastest way to bring The Trump Kennedy Center to the highest level of Success, Beauty, and Grandeur, is to cease Entertainment Operations for an approximately two year period of time, with a scheduled Grand Reopening that will rival and surpass anything that has taken place with respect to such a Facility before.   Therefore, The Trump Kennedy Center will close on July 4th, 2026, in honor of the 250th Anniversary of our Country, whereupon we will simultaneously begin Construction of the new and spectacular Entertainment Complex. Financing is completed, and fully in place! This important decision, based on input from many Highly Respected Experts, will take a tired, broken, and dilapidated Center, one that has been in bad condition, both financially and structurally for many years, and turn it into a World Class Bastion of Arts, Music, and Entertainment, far better than it has ever been before. America will be very proud of its new and beautiful Landmark for many generations to come. Thank you for your attention to this matter!   PRESIDENT DONALD J. TRUMP President Trump to SETTLE $10 BILLION IRS LAWSUIT — Plans to DONATE THE PROCEEDS TO CHARITY President Donald J. Trump is preparing to settle his massive $10 billion lawsuit against the Internal Revenue Service and the U.S. Treasury Department, and he says he will donate the entire payout to reputable charities instead of keeping a penny for himself. President Trump, Eric Trump, Don Jr., and the Trump Org filed a lawsuit against the IRS for leaking their tax returns. They are seeking $10 billion in damages. In September 2023, federal prosecutors charged a former IRS contractor who worked for the agency from 2018 to 2020 with unlawfully obtaining and disseminating the tax details of a high-ranking public official and numerous affluent Americans to media outlets. According to court documents and an official press release from the Department of Justice, Charles Littlejohn, 38, of Washington, D.C., stole tax return information associated with a high-ranking government official, referred to as Public Official A  – now known as Donald Trump. He then disclosed this information to a news organization identified as News Organization 1 – now known as The New York Times. Littlejohn reportedly stole IRS information on thousands of wealthy people. The stolen information was then disseminated to two news outlets (New York Times and ProPublica). “In July and August 2020, Littlejohn separately stole tax return information for thousands of the nation's wealthiest individuals. Littlejohn was again able to evade IRS detection. In November 2020, Littlejohn disclosed this tax return information to News Organization 2, which published over 50 articles using the stolen data. Littlejohn then obstructed the forthcoming investigation into his conduct by deleting and destroying evidence of his disclosures,” the DOJ previously said. L Source: thegatewaypundit.com   https://twitter.com/CynicalPublius/status/2018117811625730171?s=20   some facts: 1. Yesterday’s voter turnout was 94,938. 2. In the same district in 2024, the voter turnout was 400,339. 3. In the same district in 2022, the voter turnout was 277,883. 4. This was a special election to fill a vacant seat resulting from a state senator's promotion into state comptroller. 5. Based on the timing of this election and the next election, and the peculiar nature of Texas state government, it is a 99.99% certainty that this new Democrat will never cast a single vote in the term he is filling. 6. The vote was on a Saturday. I am as passionate a MAGA voter as is alive, but if I lived in TX-SD9, I would have stayed home and enjoyed my Saturday based on fact #5 alone. Is this good for the GOP? No. Is it bad for the GOP? No. Then what is it, CP, you big smartypants? IT'S NOTHING. IT'S MEANINGLESS. So everybody please calm down. For the 2026 midterms, every Trump voter knows that if he does not win, the House will impeach him twice weekly. That fact will be as widely understood as any fact during the 2024 election. There are still many issues Trump needs to work on, and I'm not guaranteeing a 2026 victory. What I AM guaranteeing is that yesterday's TX-SD9 election has as much meaning as peanut butter on a dog's nose. (The dog freaks, everybody laughs, but ultimately the dog gets the peanut butter and we all move on.) https://twitter.com/JohnBasham/status/2018199554764447926?s=20   The Georgia Elections Board. https://twitter.com/WSJ/status/2018277500464275804?s=20 Complaint against Tulsi Gabbard could do ‘grave damage to national security': Report The whistleblower's allegations are so highly classified that documents are being kept locked in a safe and the complaint still hasn't been shared with Congress From reproductive rights to climate change to Big Tech, The Independent is on the ground when the story is developing. Whether it’s investigating the financials of Elon Musk’s pro-Trump PAC or producing our latest documentary, ‘The A Word’, which shines a light on the American women fighting for reproductive rights, we know how important it is to parse out the facts from the messaging. At such a critical moment in US history, we need reporters on the ground. Your donation allows us to keep sending journalists to speak to both sides of the story. The Independent is trusted by Americans across the entire political spectrum. And unlike many other quality news outlets, we choose not to lock Americans out of our reporting and analysis with paywalls. We believe quality journalism should be available to everyone, paid for by those who can afford i   Source: the-independent.com There’s an “8 month old complaint” from a “US official” alleging “wrongdoing”   https://twitter.com/awaitekw14/status/2018081688803516456?s=20   ballots from Fulton. Coincidence? No way. COVID wasn’t just a ‘pandemic’—it was the engineered pretext that flipped every state rule on mail-ins, drop boxes, and signature verification. Harvest those ballots, truck them in after 3 a.m. stops, rinse & repeat in swing-state blue zones. Regime change 2.0 after Russiagate flopped.If they can prove those Fulton ballots trace back to illegal harvesting (or even foreign interference via the biolab network), the whole house of cards collapses. Treason on a scale we haven’t seen since the founding. Trump saying ‘interesting things happening’ soon? Understatement of the century. Stay frosty, patriots. The storm is here. https://twitter.com/liz_churchill10/status/2018006616369496424?s=20   https://twitter.com/AndrewDesiderio/status/2018375101847097793?s=20 Andrew Desiderio Schumer issues new statement reiterating that the SAVE Act is “dead on arrival” in the Senate — amid push from GOP Rep. Luna & others “If House Republicans add the SAVE Act to the bipartisan appropriations package it will lead to another prolonged Trump government shutdown” https://twitter.com/EricLDaugh/status/2018378753873969400?s=20 elections from fraud.  REP. AUGUST PFLUGER, Chair of Republican Study Committee nails it: “The House did our job nearly 300 days ago. It's high time that the Senate do theirs!”   President Donald Trump has proposed building a massive triumphal arch in Washington, D.C., often referred to as the “Independence Arch” or “Memorial Circle arch,” to be located on Columbia Island near the Potomac River, close to the Lincoln Memorial and Arlington National Cemetery.  The structure is envisioned as a 250-foot-tall monument, which would make it more than twice the height of the 100-foot Lincoln Memorial, taller than the 70-foot White House, and larger than Paris’s 164-foot Arc de Triomphe—though still shorter than the 630-foot Gateway Arch in St. Louis. Trump’s motivations stem from a desire to create a grand symbol of American pride and exceptionalism, emphasizing that Washington, D.C., is “the only city in the world that’s of great importance that doesn’t have a triumphal arch  The arch signifies Trump’s emphasis on monumental nationalism and grandeur, evoking historical triumphal arches built by emperors and leaders to commemorate triumphs and project power—earning it nicknames like “Arc de Trump.”  (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:13499335648425062,size:[0, 0],id:"ld-7164-1323"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="//cdn2.customads.co/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");

In this episode of Best in Fest, host Leslie LaPage sits down with Linda Arroz — lifestyle writer, speaker, advisor, former plus-size spokesmodel, and media strategist — for a wide-ranging conversation on reinvention, branding, and storytelling in today's entertainment landscape.Linda shares her unconventional journey from working at General Motors to becoming a nationally recognized fashion and media authority, styling hundreds of TV shows and commercials, appearing on major networks, publishing books, and now developing podcasts and documentaries at the intersection of media, technology, and culture.In this episode, we explore:

In today's episode, we explore how Alberta separatist groups have been secretly meeting with Trump administration officials, seeking massive financial support for a potential independence referendum. We also look at Canada's major banks expanding into the Middle East, with RBC applying for banking licences in Abu Dhabi and Riyadh as Canadian businesses deepen ties with Gulf nations. Plus, we cover General Motors' layoffs at its Oshawa plant, Pierre Poilievre's leadership vote, SpaceX and xAI merger talks, Manulife's use of AI in life insurance applications, and Wealthsimple's partnership with Canada Post for cash deposits.

Plus: a First Nation in Northern Quebec is under lockdown, General Motors is moving forward with job cuts, we're hearing from Donald Trump's border czar, and Pierre Poilievre has a leadership review. We love feedback at The Big Story, as well as suggestions for future episodes. You can find us: Through email at hello@thebigstorypodcast.ca  Or @thebigstory.bsky.social on Bluesky

Siempre nos ha llamado la atención el icónico taxi amarillo de Nueva York, el coprotagonista de tantas películas. Pero esta imagen oculta una historia fascinante de violencia, sastres rusos, mafia y experimentos mecánicos locos. Con este vídeo inauguramos en Garaje Hermético la serie “Marcas desconocidas con historias sorprendentes”. Y empezamos fuerte con Checker Motors Corporation. De la aguja a las bombas de Chicago El origen de la marca no está en los despachos de Detroit, sino en la Rusia zarista. Morris Markin, un sastre que llegó a Chicago con menos de dos dólares en el bolsillo, acabó fortuitamente como dueño de una fábrica de carrocerías. Pero el Chicago de los años 20 era territorio de Al Capone, y el negocio del taxi era un campo de batalla. Checker nació en una guerra abierta contra su rival, Yellow Cab (propiedad de John Hertz). La competencia no era por precios, era a golpes: hubo tiroteos entre chóferes, se incendiaron flotas enteras y el punto culminante llegó en 1923, cuando la propia casa de Morris Markin fue bombardeada con dinamita. Checker tuvo que huir a Kalamazoo, Michigan, para sobrevivir y blindar su leyenda. Ingeniería de la supervivencia Ya a salvo, Markin impuso una filosofía contraria a la "obsolescencia programada" de los grandes fabricantes americanos. El Checker debía ser una herramienta eterna. Crearon coches con características sagradas: suelo plano, techos altos (para que un caballero entrara con sombrero de copa) y un chasis de escalera con refuerzos en X masivo, pesado pero indestructible. El diseño definitivo, con su famosa parrilla, llegó en 1956 y apenas cambiaría durante los siguientes 26 años. Los Monstruos de Kalamazoo y el corazón ajeno En su búsqueda de nichos de mercado, Checker perdió la cabeza maravillosamente en los años 60. Crearon el Checker Aerobus, una aberración mecánica de casi 7 metros de largo y hasta 9 puertas para llevar gente a los aeropuertos, que necesitaba motores V8 industriales y ruedas de camión. Hay que destacar que Checker nunca fabricó sus propios propulsores; fueron maestros del "trasplante". Usaron motores Continental, coquetearon con Chrysler y finalmente firmaron un acuerdo con General Motors, montando los legendarios motores Chevrolet, lo que hoy es una bendición para los coleccionistas por la facilidad de recambios. El fantasma de VW y el final Los años 70 fueron críticos. La empresa intentó modernizarse con prototipos italianos de Ghia que no pudieron pagar, pero la historia más increíble fue el "Plan Volkswagen". En 1977, Ed Cole (expresidente de GM) compró parte de Checker con un plan revolucionario: comprar Volkswagen Rabbits (Golf mk1), cortarlos, ensancharlos y montarlos sobre chasis Checker. Tenían los prototipos listos, pero Cole murió en un accidente de avioneta y el proyecto se estrelló con él. Finalmente, la crisis del petróleo, los desastrosos motores diésel de GM que intentaron usar y las nuevas normas de seguridad (que paradójicamente hacían peligroso su chasis demasiado rígido) acabaron con el coche. El último Checker salió de la línea de montaje el 12 de julio de 1982. La empresa, curiosamente, sobrevivió hasta 2009 fabricando piezas para sus antiguos rivales de Detroit. Checker fue una anomalía maravillosa. Una apuesta por la honestidad mecánica por encima de la moda que patrulló las calles de América durante décadas.

https://www.ien.com/video/video/22959460/honda-gm-to-end-us-manufacturing-joint-venture-this-yearHonda said earlier this month that it reached a decision with General Motors to discontinue their Fuel Cell System Manufacturing (FCSM) joint venture by the end of 2026, bringing nearly a decade of collaboration to a close.The Japanese company's announcement comes a few months after GM said the joint venture would stop producing hydrogen fuel cells for data centers and power generation. While the American automaker acknowledged hydrogen's potential for high-demand industrial applications, it called the path to a sustainable fuel cell business “long and uncertain”—citing high costs and limited U.S. infrastructure that hinder consumer adoption of fuel cell-powered vehicles.

It's been a huge few weeks for the electric vehicle industry — at least in North America.After a major trade deal, Canada is set to import tens of thousands of new electric vehicles from China every year, and it could soon invite a Chinese automaker to build a domestic factory. General Motors has also already killed the Chevrolet Bolt, one of the most anticipated EV releases of 2026.How big a deal is the China-Canada EV trade deal, really? Will we see BYD and Xiaomi cars in Toronto and Vancouver (and Detroit and Seattle) any time soon — or is the trade deal better for Western brands like Volkswagen or Tesla which have Chinese factories but a Canadian presence? On this week's Shift Key, Rob talks to Greig Mordue, a former Toyota executive who is now an engineering professor at McMaster University in Hamilton, Ontario, about how the deal could shake out. Then he chats with Heatmap contributor Andrew Moseman about why the Bolt died — and the most exciting EVs we could see in 2026 anyway.Shift Key is hosted by Robinson Meyer, the founding executive editor of Heatmap, and Jesse Jenkins, a professor of energy systems engineering at Princeton University. Jesse is off this week.Mentioned: Canada's new "strategic partnership” with ChinaThe Chevy Bolt Is Already Dead. Again.The EVs Everyone Will Be Talking About in 2026--This episode of Shift Key is sponsored by …Heatmap Pro brings all of our research, reporting, and insights down to the local level. The software platform tracks all local opposition to clean energy and data centers, forecasts community sentiment, and guides data-driven engagement campaigns. Book a demo today to see the premier intelligence platform for project permitting and community engagement.Music for Shift Key is by Adam Kromelow. Hosted on Acast. See acast.com/privacy for more information.

From aircraft crises to AI cables and a surprise trade pact, markets are being pulled in very different directions at once. Boeing’s earnings revive hopes of a turnaround as deliveries improve after years of safety and production failures, though investors remain cautious. We size up corporate winners and losers in an UP or DOWN round, with General Motors and UPS showing resilience while UnitedHealth’s outlook weighs on sentiment. Attention shifts to geopolitics as India and the European Union seal a landmark free trade agreement that could reshape supply chains and export flows. In tech and industry, Corning’s multibillion-dollar AI data-centre deal contrasts with Meta’s risky push into paid social media subscriptions. Singapore stocks break new ground as the STI hits fresh highs led by banks and property names, while Micron’s US$24 billion expansion anchors the island’s semiconductor ambitions, hosted by Michelle Martin with Ryan Huang. Hear aboutBoeing, General Motors, UPS, UnitedHealth, Corning, Meta, Puma, Anta Sports, Micron, DBS, OCBC, UOL, Jardine Matheson, Wilmar International.See omnystudio.com/listener for privacy information.

Plus: Despite taking a hit on electric vehicles, General Motors is beating Wall Street expectations. And Yale will go tuition-free for more middle-class families. Anthony Bansie hosts. Sign up for WSJ's free What's News newsletter. An artificial-intelligence tool assisted in the making of this episode by creating summaries that were based on Wall Street Journal reporting and reviewed and adapted by an editor. Learn more about your ad choices. Visit megaphone.fm/adchoices

Carl Quintanilla, Jim Cramer and David faber explored the sell-off in UnitedHealth and other health insurance stocks, after the Trump Administration proposed Medicare Advantage rates for 2027 that are nearly flat.  Boeing CEO Kelly Ortberg joined the program to discuss the company's Q4 revenue beat and jump in airplane deliveries. General Motors shares get a lift on a Q4 earnings beat, upbeat profit guidance, a 20-percent dividend hike and declaration of a $6 billion stock buyback. Also in focus: More earnings winners and losers, Meta-Corning $6 billion fiber-optic cable/AI data center deal, Anthropic CEO's essay on the future of AI comes with a warning about the technology. Squawk on the Street Disclaimer Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

S&P futures is up +0.2% and pointing to a higher open today. Asian equities closed broadly higher Tuesday. SK Hynix has emerged as the exclusive supplier of HBM chips for Microsoft's Maia 200 AI chip, driving outsized gains in South Korea's markets. Japan's Nikkei was also higher on strength in exporters, while the Hang Seng led Greater China market gains. European markets are also higher in early trading. Companies Mentioned: Meta, SK Hynix, Ford, General Motors

A Fed meeting starts today with little chance seen of a rate move. Meanwhile, 90 S&P 500 companies line up to report this week including Boeing and General Motors this morning.Important DisclosuresThis material is intended for general informational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.Past performance is no guarantee of future results.Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment.Digital currencies [such as bitcoin] are highly volatile and not backed by any central bank or government. Digital currencies lack many of the regulations and consumer protections that legal-tender currencies and regulated securities have. Due to the high level of risk, investors should view digital currencies as a purely speculative instrument.Cryptocurrency-related products carry a substantial level of risk and are not suitable for all investors. Investments in cryptocurrencies are relatively new, highly speculative, and may be subject to extreme price volatility, illiquidity, and increased risk of loss, including your entire investment in the fund. Spot markets on which cryptocurrencies trade are relatively new and largely unregulated, and therefore, may be more exposed to fraud and security breaches than established, regulated exchanges for other financial assets or instruments. Some cryptocurrency-related products use futures contracts to attempt to duplicate the performance of an investment in cryptocurrency, which may result in unpredictable pricing, higher transaction costs, and performance that fails to track the price of the reference cryptocurrency as intended. Please read more about risks of trading cryptocurrency futures here.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.Spotify and the Spotify logo are registered trademarks of Spotify AB.(0131-0126) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

What if hearing God speak to you in the last row of a church saved you from losing everything? In this episode, James Brown shares how he helps professional service business owners scale their businesses without sacrificing their lives through Business Accelerator Institute and Perseverance Squared. After launching his first business in 1994 and rapidly expanding to $8M in annual revenue, James transitioned to coaching in 2014 and has now guided over 450 business owners to significant growth. He launched Small Law Firm University, growing it to $3 million in revenue within a year, and developed a CMO program generating an additional $2 million annually. James holds a Business degree from Lindenwood University (1989) and JD from St. Louis University (1993). In 2009, he was selected as one of America's Top 20 Premier Experts and featured in USA Today, The Wall Street Journal, and Newsweek. James believes all businesses have the same seven working parts, and the only difference is what they sell. James reveals three relationships that transformed him: his wife Sherry, whom he's known since age three when they met in her mom's beauty salon, who believed in him when everyone else said he couldn't achieve his dreams and stood by him through 41 years including his darkest moments; his mentor Darrell Castle, a Memphis-based lawyer who taught him to reject the "cookie cutter" approach and build a business on his own terms, showing him that all businesses share seven working parts regardless of what they sell; and God, whom he encountered in March 2015 after hitting rock bottom (drinking excessively, making terrible choices, nearly losing everything) when a random stranger invited him to church where he heard God speak to him in the last row as the only white person in an all-Black congregation, completely transforming his perspective and leading him to sell his law firm to help other business owners build lives of purpose.   [00:04:20] What James Does at Business Accelerator Institute Helps owners of professional service businesses scale predictably and profitably Focuses on building businesses that serve owners, not the other way around Has helped over 450 business owners achieve this transformation [00:05:20] The Defining Moment with His Wife Second year in business, struggling financially, client asked for refund Wife said: "At the end of the day, you do what's right and everything else will follow" That statement still resonates 30 years later and drives his mission to help more people [00:07:20] How Clients Find Him Primarily word of mouth and brand touches through Interview Valet (on 40 podcasts this year) Results speak for themselves without traditional marketing Recent client: 69-year-old Alabama lawyer practicing 50 years, never broke $500K, just hit $1M this year [00:11:00] The Unorthodox Path to Success Known wife Sherry since age three, met in her mom's beauty salon Parents married at 16, kicked James out at 19 when he announced marriage Told his whole childhood he was "too heavy" to do things, couldn't play sports Made varsity football first year as junior, played four years (nobody in family graduated college) [00:12:40] Working His Way Through Law School Got job at General Motors assembly line, 6 AM to 2:30 PM, went to school 4 PM to 11 PM for 10 years Right before graduating law school, GM announced plant closure Sent out 300 resumes, got zero responses with three kids (ages 5, 2, and 1) Forced to start business by necessity, not by choice [00:14:00] Meeting Mentor Darrell Castle Lawyers conditioned that marketing is "beneath them" Darrell taught him to look at business differently, be different Showed him all businesses have same seven working parts (only difference is what they sell) Set up business around not working past 4:30 PM from day one [00:15:40] Building the $8M Law Practice First rule: Business open till 7 PM and Saturdays, but James wasn't there Hired people and built systems so business ran without him Grew to $8 million annually with offices in four different states [00:16:40] The Dark Years: Getting Too Big for His Britches Started making bad choices despite success (never drank until his 40s) First drink was Irish car bomb followed by 10 kamikaze shots Started spending money on wrong things, went to strip clubs, cheated on wife Wife and him separated, she went on cruise with daughter [00:18:20] The Divine Encounter That Changed Everything March 2015: Drunk at wine bar, random stranger invited him to church next morning Went to that church by himself Sunday morning, sat in last row Only white person in all-Black church, heard God speak to him Never saw that stranger again (believes he was an angel) [00:19:40] The Wake-Up Call Wife told him: "God gives you hints, and if you don't listen, at some point He's going to slap you across the face" Nearly lost everything (wife, business, all going downhill) That March 2015 moment was most influential person: God Decided to sell law firm and start helping other business owners [00:20:20] The Leap of Faith Worked for another company making $330,000 a year coaching business owners 2018: At conference in Jacksonville, told them he was leaving, called wife from airport Goal: Get nine private clients in 60 days to replace income (took nine days) First year did just under $1 million in business [00:22:40] The Catalyst Moments After coaching calls, often sits there thinking "who was that guy?" Works with business owners from $250K to $100M annually Stopped questioning who he is to coach $100M business owners Been blessed with certain gifts and has faith they will continue [00:24:00] The Lesson of Not Labeling Setbacks Example: Payroll in two days is $15K, only $1K in operating account Freaking out keeps you from being creative and finding solutions Takes everything as exactly as it's meant to be and learns from it [00:27:40] The Live Event Revelation $10M, $50M, $100M business owners at tables with under-$500K owners Big business owners worried they wouldn't learn from "smaller" ones $50M and $100M owners took just as many notes (smaller businesses still nimble and innovative) Realized everyone can gain something from each other regardless of revenue size [00:30:00] When Is Enough, Enough? Just turned 60, my wife asked "when is enough, enough?" The Mastermind member asked: "What's your goal?" Answer: "To help people" "How many people on the planet? Are you ever gonna run out of people to help?" Never gonna run out (also volunteers through Red Cross deploying to disasters) [00:32:00] Building Business Accelerator Institute Can only work with so many people one-on-one before hitting bandwidth Goal: Give business owners Harvard-level business degree without Harvard-level dollars Over 55 four-week courses addressing all seven parts of business $249/month, includes two-hour open office hours every Wednesday [00:35:00] Final Wisdom: You're the Average of the Five Don't pay attention to what other people say, surround yourself with people who inspire you "You're the average of the five people you hang out with the most—and it's true" Example: Son played goalie since age 5, adapted performance to level of teammates around him Hang around like-minded individuals who inspire you to go where you want to go   KEY QUOTES "At the end of the day, you do what's right and everything else will follow." - Sherry Brown "All businesses have the same seven working parts. Literally the only thing that's different is what we sell. The concept of running a very successful business and scaling it is simple. I'm very intentional with that word. I'm never gonna say it's easy, but the concept is simple." - James Brown CONNECT WITH JAMES BROWN 

APAC stocks were mostly higher following on from the rebound on Wall Street, but with some of the gains capped ahead of key events and big tech earnings stateside.KOSPI sold off at the open following US President Trump's announcement to raise tariffs on South Korean autos, lumber, pharma, and all other reciprocal tariffs to 25% from 15% due to its legislature not yet enacting the US-Korea trade deal.Spot gold rebounded from the prior session's trough with a brief pullback cushioned after finding support around the USD 5,000/oz level.US aircraft carrier and warships reached the Middle East, according to the Washington Post, while it was also reported that a US official said Washington is "open for business" if Iran wishes to contact them.European equity futures indicate a positive cash market open with Euro Stoxx 50 futures up 0.4% after the cash market closed with gains of 0.2% on Monday.Looking ahead, highlights include US Richmond Fed (Jan), Consumer Confidence (Jan), ADP Employment Change Weekly, NBH Policy Announcement. Speakers include ECB President Lagarde & ECB's Nagel, US President Trump. Supply from UK, Italy, Germany and US. Earnings from Texas Instruments, UnitedHealth, Boeing, UPS, General Motors, RTX, American Airlines, Logitech & LVMH.Read the full report covering Equities, Forex, Fixed Income, Commodites and more on Newsquawk

US President Trump's announced he is to raise tariffs on South Korean autos, lumber, pharma, and all other reciprocal tariffs to 25% from 15% due to Korea not yet enacting the trade deal.USD/JPY fell sharply below 154.00 without a clear catalyst, in a move similar to Friday's post-Ueda drop, DXY is slightly lower.European and US equity futures are broadly in the green; a slew of US earnings are on the docket.Fixed benchmarks hold a bearish bias, Bunds little moved to a robust auction.Crude prices slightly firmer, whilst Nat Gas prices remain elevated; precious metals rebound following Monday's selloff.Looking ahead, US Richmond Fed (Jan), Consumer Confidence (Jan), ADP Employment Change Weekly, NBH Policy Announcement. Speakers include ECB President Lagarde & ECBʼs Nagel, US President Trump. Supply from the US. Earnings from Texas Instruments, Boeing, General Motors, RTX, American Airlines, Logitech & LVMH.Read the full report covering Equities, Forex, Fixed Income, Commodites and more on Newsquawk

General Motors (GM) hit a historic 25-year high stock price earlier in January, setting the stage for a higher bar in the company's earnings Tuesday. Alex Coffey turns to the short and long-term price action in General Motors to highlight key levels investors need to watch. He later highlights an uptick in options activity into earnings. ======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – / schwabnetwork Follow us on Facebook – / schwabnetwork Follow us on LinkedIn - / schwab-network About Schwab Network - https://schwabnetwork.com/about

“Send us a Hey Now!”This week saw the livery launches from Haas, Alpine, Mercedes, Ferrari, and Audi.We pull them all apart and give our "expert" opinion on them all.We also visit Cadillac Corner again with some more suspect jingles.This week we also welcome Perry to the Dirty Side of the track to chat about his F1 fandom.Great conversation and he also takes on the Dirty Side Fastest Lap.Episode running order as always is...1) News & SocialAll the best bits from both the sports news out there as well as what caught our eye on the various social channels 2) Brian's Video Vault           https://www.youtube.com/watch?v=-Ne7pMFqL7g The Small Town Building Cadillac's First Formula 1 Car. General Motors and Cadillac. 12 mins. Lee put this on Discord. Great behind the scenes view of what it is taking to get ready for the seasonhttps://www.youtube.com/watch?v=5XCoUtZfEgc. FORMULA 1 QUIZ | HOW MUCH DO YOU KNOW ABOUT F1 | F1 TRIVIA 40 QUESTIONS

En este episodio de El Brieff, analizamos el complejo arranque de 2026. Desmenuzamos el repunte inflacionario en México impulsado por los nuevos aranceles a China y el impacto del IEPS. Exploramos la captura de "El Botox" en Michoacán y lo que significa para la industria limonera. Además, discutimos los retrasos del auto eléctrico Olinia frente a la presión del Mundial de Fútbol, los movimientos de relocalización de General Motors y la agresiva ofensiva legal de Donald Trump contra Wall Street. Un análisis profundo sobre cómo la geopolítica y la economía de consumo están reconfigurando el tablero global.STRTGY es el aliado estratégico para tu expansión de mercado. No arriesgues tu capital en suposiciones; utiliza nuestra metodología de certeza matemática para validar cada nueva ubicación. Desde la entrada a nuevos países hasta el escalamiento nacional, blindamos tu inversión con datos. Agenda tu demo en el link.Recibe gratis nuestro newsletter con las noticias más importantes del día.Si te interesa una mención en El Brieff, escríbenos a arturo@strtgy.ai Hosted on Acast. See acast.com/privacy for more information.

Unsecured Flock Safety Condor cameras were found livestreaming on the internet without passwords or encryption. The flaw exposed at least 60 cameras, allowing public access to feeds, downloads, and administrative controls. The researchers who disclosed the vulnerability reported facing police surveillance and job loss following what they termed their "responsible security research."The Federal Trade Commission (FTC) has finalized an order requiring General Motors and its OnStar service to obtain "clear, affirmative consent" from consumers before sharing sensitive driving and location data. The mandate grants consumers expanded rights to access, delete, and control the use of their personal information generated by connected vehicles.Homeland Security Investigations (HSI) has acquired a device potentially linked to "Havana Syndrome" using funding provided by the Department of Defense. Reportedly portable enough to fit in a backpack, the device is said to produce pulsed radio waves. A primary national security concern is that if the technology is viable, it may have proliferated, giving other nations access to a potentially harmful weapon.The "GhostPoster" malware campaign has re-emerged, leveraging malicious browser extensions installed by hundreds of thousands of users. The malware conceals its malicious code within image files and can activate after long delays. Its primary threats include injecting scripts into web pages, tracking user activity, and weakening browser security settings.A newly discovered malware framework named "VoidLink" shows strong evidence of being generated with AI assistance. Designed to target Linux cloud servers and container environments, VoidLink features a sophisticated modular design with rootkit capabilities. Analysis suggests the framework was generated to a functional state in about a week using an AI assistant, highlighting how AI is accelerating the creation of advanced malware.A malware campaign is deploying "Evelyn Stealer" through malicious Visual Studio Code extensions. The attack injects the stealer into a legitimate Windows process, grpconv.exe, to evade detection. The malware also tricks browsers into running in hidden contexts to avoid detection during credential harvesting. It is designed to exfiltrate developer credentials, browser cookies, and cryptocurrency wallets.The European Commission has proposed new mandatory cybersecurity legislation aimed at removing high-risk technology suppliers, such as Chinese firms Huawei and ZTE, from the EU's critical telecommunications and ICT infrastructure. This policy, which builds on frustrations with the EU's voluntary 5G Security Toolbox, shifts from voluntary guidelines to binding rules empowering the EU to restrict equipment based on national security risks.Italy's influential data privacy authority, the "Garante," is the subject of a corruption investigation. Prosecutors are examining allegations of excessive spending and possible corruption involving the agency's president, Pasquale Stanzione, and three other board members. The Garante is one of the EU's most proactive regulators against major technology firms.A recent security update for Windows 11 23H2 has introduced a bug preventing some PCs from shutting down or hibernating. Microsoft has linked the issue to its "Secure Launch" security feature. The company's official workaround is to use the command-prompt command shutdown /s /t 0 to force the machine to power down while a permanent fix is developed.

Chuck Meehan is Chief Creative Officer of Pavone Group and a veteran creative leader with decades of experience shaping iconic, culture-driving campaigns. A four-time Super Bowl creative, Chuck has worked with global brands and top-tier talent to create work that breaks through noise and pressure.Chuck has led creative teams at major agencies and worked on campaigns for brands including General Motors, Hellmann's, McDonald's, Del Taco and Universal Orlando Resort. His Super Bowl work includes back-to-back GM spots featuring Will Ferrell and Mike Myers as Dr. Evil, as well as large-scale brand activations that extended far beyond the broadcast.Big ideas come from interpreting the brief in an unexpected way and connecting dots others don't see.If an idea can't be explained clearly in one sentence, it's not fully formed.Super Bowl advertising is a six-month marathon that requires protecting the idea through intense internal and external pressure.The most successful Super Bowl spots extend beyond the ad itself into brand activations and social storytelling.Celebrity-driven campaigns only work when the talent serves the product and idea, not the other way around.AI should be used to amplify creative thinking, not replace the struggle and reps required to develop great ideas.In-person collaboration plays a critical role in mentoring young creatives and building strong creative culture.Great creative leadership is about creating an environment where people feel safe to take big swings and learn from misses.   QUOTES “The Super Bowl is the coolest thing and it's the most terrifying thing. And what's hard about it is, a lot of them start in August. So if you make it to February, that's six months of your life.” (Chuck)“If you can survive that gauntlet and somehow get to the Super Bowl with a great spot, it's a Herculean feat for sure. It's an amazing thing and it's a bit of a horrible thing at the same time.” (Chuck)“That (GM Dr. Evil) brand activation actually became a bigger story than even the spot in a sense. So yeah, that was a thing where we just didn't stop at the spot.” (Chuck)“By the Monday after the Super Bowl, the whole world's moved on. Brands looked at that and thought that if I'm spending that much money, why don't I release the spot a week ahead of time and get more out of it.” (Chuck)“When it comes to a Super Bowl commercial, you've got to put three-act story in 60 seconds. That's the discipline. When I've worked with people outside advertising, they don't quite get it. It's a very specific art.” (Chuck)“It's good because over the years, as a creative director, ECD, GCD, CCO, I'm constantly critiquing work. I'm constantly critiquing ideas. And most of them don't get past me, which is kind of the drill. The ones that do interpreted the brief in a way I didn't expect.” (Chuck)“I always tell creatives, show me a different way of looking at something. And even when I've judged shows, it's always the stuff that I'm like, how did they get there? Ninety-nine percent of things I can see where they're going.” (Chuck)“If you can tell me it in one sentence, you have an idea. And if you can't explain it, you don't know it.” (Chuck)

EP 275This week, we update you on an "oops" that might have had you in its line of sight.Security researchers uncovered a major exposure of Flock Safety's facial-tracking cameras openly livestreaming to the internet, prompting police visits and swift industry backlash.The FTC has finalized a landmark order requiring General Motors and OnStar to secure explicit consumer consent before monetizing sensitive driving and location data.The Pentagon quietly acquired a portable pulsed-radio-wave device, containing Russian components, that investigators believe may be connected to the long-mysterious Havana Syndrome incidents.A sophisticated malware operation has re-emerged, hiding persistent code inside seemingly benign browser extensions to silently track and compromise hundreds of thousands of users.Researchers have uncovered VoidLink, a highly modular Linux cloud malware framework whose code quality and development speed strongly indicate heavy AI-assisted creation.A new stealer campaign is targeting developers by delivering Evelyn Stealer through malicious Visual Studio Code extensions, harvesting credentials, crypto wallets, and more.The European Commission has proposed mandatory rules to exclude high-risk foreign vendors from critical telecom and ICT infrastructure, signaling a major shift toward fortified digital supply-chain security.Italy's aggressive data-protection authority, the Garante, faces a high-profile corruption and embezzlement investigation that threatens the credibility of one of Europe's most active tech regulators.Microsoft's latest security update has introduced an unexpected bug that prevents some Windows 11 systems from shutting down or hibernating when Secure Launch is enabled.Oops, they did it again…

General Motors wants to take over your dashboard screen. They will control the data and all that you'll hear and see. Here's the scoop. Learn more about your ad choices. Visit megaphone.fm/adchoices

Depending on which headline you read, the electric vehicle market in America is either entering a long Winter, is at a crossroads or is taking a short pause before explosive growth.The federal tax credit expired on 30 September 2025, and the consequences arrived with brutal clarity: fourth-quarter EV sales plunged 46 per cent compared with the third quarter, dropping to levels not seen since late 2022.Ford announced a $19.5 billion write-down on its electric ambitions and halted production of the F-150 Lightning. General Motors followed with $6 billion in charges related to unwinding EV investments. The Detroit giants, once racing towards electrification, now pivot back towards hybrids and traditional powertrains. America had chosen the carrot approach — generous tax incentives to pull consumers into EVs — and when that carrot disappeared, the market collapsed.The timing could not be worse. Europe wrestles with its own crisis of confidence, watering down its 2035 combustion engine ban to a 90 per cent emissions reduction target after intense industry pressure. China phases out subsidies even as it mandates ever-stricter efficiency standards. The global automotive industry faces a fundamental question: can consumers be enticed into EVs through incentives alone, or do markets require the regulatory stick of mandates and bans? The answer, it turns out, depends less on ideology than on execution, consistency and time.

We're on a high-speed taxi ride with teenage sensation Kimi Antonelli as he takes series co-host Holly Samos on a thrilling hot lap around Silverstone, home of the British Grand Prix. The 18-year-old's career is also hitting the gas, after Mercedes chose him to replace seven-time Formula 1 World Champion Lewis Hamilton and handed the Italian his F1 debut in 2025.Already a social media sensation, Britain's Ollie Bearman is also finding his feet in F1 and co-host Sarah Holt joins him in the passenger seat at the Goodwood Festival of Speed, a summer highlight on the British motorsport calendar. When it comes to life as an F1 driver, the 20-year-old Haas driver is still adapting to being in the spotlight during his rookie season.It's not only fresh, young drivers who are driving F1 into the future, the Cadillac Formula 1 team are also preparing to join the grid in 2026, when major new technical rules are set to shake-up the sport. On a sprawling industrial estate - just metres from the Silverstone circuit - Sarah and Holly are taking an exclusive first look at the team's F1 factory.But founding an F1 team - even with backing from U.S. car giant General Motors - is a huge undertaking, as Cadillac team principal Graeme Lowdon reveals in this episode.- F1: Back at Base is an IMG Production for the BBC, hosted by Rosamund Pike - Co-hosts & Executive Producers are Sarah Holt and Holly Samos - The Producers are Alasdair Cresswell, Joe Aldridge, Jack Winstanley and Mitchell Marshall - Production Management from Abbie Collingwood, Katie Killeen and Giulia Duggan - The Senior Producer is Ollie Kneen - The Executive Producer for IMG is Steve Tebb - The Story Editor and Scriptwriter is Sarah Holt - The Showrunner is Holly Samos - And the Commissioning Editor at the BBC is Stevie Middleton

The auto industry is changing faster than ever, yet cars remain deeply personal, symbols of freedom, connection, and possibility. Few companies embody that spirit like General Motors, a brand that has shaped culture for more than a century and is now leading the charge toward an electric and connected future.Jim's guest this week is Norm de Greve, Chief Growth Officer of General Motors. GM is, of course, home to iconic brands like Chevrolet, Buick, GMC, and Cadillac. It is a $77 billion revenue powerhouse driving innovation across combustion, electric, and autonomous vehicles.Norm brings a rare combination of creativity, purpose, and business discipline to one of the world's most iconic companies. Before joining GM in 2023, he spent nearly a decade as CMO of CVS Health, helping transform the company into a purpose-driven healthcare leader.So buckle up and tune in for a conversation with a marketing leader who believes in leading with high expectations and kindness.Captured live at the ANA Masters of Marketing, in partnership with TransUnion.---Learn more, request a free pass, and register at iab.com/almPromo Code for $500 of ticket prices: ALMCMOPOD26---This week's episode is brought to you by Deloitte, TransUnion and the IAB.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode: There comes a point during every session of the Florida Legislature where it looks like it's all fallen apart, everybody is mad at each other, and nothing will ever get done. It doesn't usually come on Day 1, though. Plus: A bill to let giant landowners dodge local rezoning votes starts moving the Senate, and General Motors lobbies to legalize credit card fees on car loans. Show notesThe bills discussed in today's show: Senate Bill 354 — Blue Ribbon Projects Passed the Senate Community Affairs Committee by 7-1 vote (vote sheet)House Bill 479 — Land and Water ManagementPassed the House Natural Resources & Disasters Subcommittee by an 11-5 vote (vote sheet)Senate Bill 838 — Electronic Payments of Retail Installment ContractsPassed the Senate Commerce and Tourism Committee by a 10-0 vote (vote sheet) House Bill 289 — Civil Liability for the Wrongful Death of an Unborn ChildSenate Bill 1734 — Civil Remedies Pertaining to AbortionsHouse Bill 167 — Former Phosphate Mine LandStories referenced in today's show: House speaker calls DeSantis' hand-shake snub ‘petulant'A dream for developers, a nightmare for women: Florida lawmakers start a new sessionA New York investment firm with vast land holdings across north Florida wants state lawmakers to greenlight giant developmentsFlorida may send bounty hunters after women and doctors Get full access to Seeking Rents at jasongarcia.substack.com/subscribe

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger Picture Trump is showing the world how green energy doesn’t work, plus it also shows the environmentalist really don’t care about the environment. The people are waking up to the fact that the [CB] have been robbing us of our money. Trump’s economy is taking off. The [DS] is being exposed, the people are now seeing the criminal syndicate system, it is one tyrannical money laundering system. The people have been funding our destruction. The [DS] hunted Trump and now Trump is hunting them. The difference is that the [DS] have committed the crimes and the investigations will show their criminal acts. We are in the process of fighting the 2nd American revolution. Economy  (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); https://twitter.com/KobeissiLetter/status/2006870301041467482?s=20   improved across every US region last month to their highest levels of 2025. The West posted the largest increase, followed by the South, the nation's largest home-selling region. As a result, the Pending Home Sales Index is up to 79.2 points, the highest since February 2023. Homebuyer activity is regaining traction. https://twitter.com/elonmusk/status/2006832536257966286?s=20   need to cut fraud https://twitter.com/CynicalPublius/status/2006750062844534872?s=20  greatly eliminates fraud, waste and abuse; -or- (ii) Middle-class taxpayers decide enough is enough and they too stop following the rules. Door (i) = prosperity. Door (ii) = anarchy. https://twitter.com/elonmusk/status/2006833536335327501?s=20 https://twitter.com/QuantusInsights/status/2006036670680912007?s=20   overseas buying. This is strong, confidence-driven allocation by sophisticated investors looking 12–24 months ahead. When stocks, Treasuries and corporate bonds all see heavy inflows together, the data quietly signals: • U.S. growth looks resilient (no recession on the horizon) • American institutions remain solid • Global alternatives don't measure up A rare combination that points to a strong setup for the U.S. economy. https://twitter.com/howardlutnick/status/2006867104272961854?s=20  positions across industries and our nation. This new growth will employ millions of workers in great, high-paying jobs. The era of non-productive jobs fueled by DEI bureaucracy and corporate performative politics is over. Those who want to work and build America will be rewarded. Great positions and opportunities will be plentiful. The time is now to Make America Great Again. To the amazing success of America and the American worker in 2026!! Political/Rights   the Country, including Tim Waltz, Gavin Newscum, for who is going to lead the Democrats to their future defeat. Clooney got more publicity for politics than he did for his very few, and totally mediocre, movies. He wasn't a movie star at all, he was just an average guy who complained, constantly, about common sense in politics. MAKE AMERICA GREAT AGAIN! https://twitter.com/RichardGrenell/status/2006739373346226506?s=20  quickly. It's unverified gossip that is embraced by News Editors. I see it everyday with the Trump Kennedy Center. Fake news repeated over and over without a single reporter calling to verify the information they are repeating. DOGE https://twitter.com/EricLDaugh/status/2006843983016960428?s=20 “This is deeply morally WRONG.” “Why is it right for someone who escaped tyranny in other countries and happens to live in SF to pay ‘reparations’ for something they had nothing to do with?”  “California didn’t even have slaves!” Geopolitical More Than 1,000 Cars Burned in France, as New Years' Eve ‘Celebrations' in Europe Turn Into a ‘Fireworks War' Between Migrants and Police (VIDEOS)  Cars burning on NYE: Macron is presiding over the destruction of France. The suicidal policy of unchecked mass migration is takings its toll on the European nations. Among the multiple problems, there's the fact that the New Years ‘celebrations' have turned into an excuse for violent migrants to attack police, firefighters and commons citizens with fireworks, turning it into a war. https://twitter.com/visegrad24/status/2006763220258926726?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2006763220258926726%7Ctwgr%5E6f5fbf697d1dedb8ea125a1a961ff7b248f5d362%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2026%2F01%2Fmore-than-1000-cars-burned-france-as-new%2F https://twitter.com/RMXnews/status/2006884531585024201?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2006884531585024201%7Ctwgr%5E6f5fbf697d1dedb8ea125a1a961ff7b248f5d362%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2026%2F01%2Fmore-than-1000-cars-burned-france-as-new%2F Source: thegatewaypundit.com https://twitter.com/visegrad24/status/2006843568816796153?s=20  Maduro Says He’s Ready to Play ‘Let’s Make a Deal’ Venezuela’s Nicolas Maduro says that he’s willing to come to terms with President Trump if the U.S. ends its military pressure campaign in an interview with socialist academic and journalist (but I repeat myself) Ignacio Ramonet. Trump has made multiple demands that Maduro depart, going back to the beginning of the pressure campaign in November, for instance, on December 23: “We want it back,” he added. “They took our oil rights — we had a lot of oil there. As you know they threw our companies out, and we want it back.” The list includes, but is not limited to: Exxon Mobil—2007—oil extraction. Conoco Phillips—2007—oil extraction. Halliburton—2009—oil operations. Cargill—2009—rice processing. Owens Illinois—2010—glass. Clorox—2014—consumer goods.  General Motors—2017—auto manufacturing.  Kellogg's—2018)—cereals. Goodyear—2018—tires. Source: redstate.com War/Peace Anonymous U.S. Officials Say Ukraine Didn't Target Putin with Drone Attack – Russian Officials Say They Have Drone Flight Plan From Navigation Unit  The Wall Street Journal is reporting that Ukraine did not target the personal residence of Russian Federation President Vladimir Putin, “according to U.S. officials.”   However, Russia captured one of the drones intact and have said they were able to “extract a file containing a flight plan from the navigation unit” which they plan to share with the Trump administration through established channels. {LINK}   Who are we going to believe, Russian “special service” operations or anonymous “U.S. Intelligence Officials”?  U.S. media have said the attack on Putin may be a lie; however, with physical evidence from the defense operation, it is less likely Russia just made up the attack.  At this moment in the conflict, Putin doesn't need domestic propaganda.    Source: theconservativetreehouse.com [DS] Agenda https://twitter.com/KanekoaTheGreat/status/2006842440968450361?s=20 https://twitter.com/MrAndyNgo/status/2006830735626301488?s=20   up to dozens of times for safety violations. Four facilities had prepared themselves for liberal journalists by having Somali children inside. https://twitter.com/MrAndyNgo/status/2006877951376154782?s=20  extreme, with little girls usually required to wear both head and body coverings. Female genital mutation is also endemic to their cultural practices. In June 2025, Mayor @Jacob_Frey released an official video in Somali condemning the U.S. government’s efforts to restrict incoming migration from Somalia. This is the same mayor who oversaw (managed) the burning of Minneapolis during the 2020 BLM-Antifa riots. http://ngocomment.com https://twitter.com/MrAndyNgo/status/2006849302002544832?s=20 https://twitter.com/AAGDhillon/status/2006887697743302932?s=20 Report Alleges Somalia's Foreign Minister, Whose Ohio Healthcare Company Receives U.S. Tax Dollars, Also Controls LLC at SAME ADDRESS as Somali Money Transfer Firm Accused of Terror Financing  A new report alleges that Somalia's Foreign Minister Abdisalam Abdi Ali, a U.S. citizen whose Ohio-based healthcare company has raked in millions from American taxpayers, also controls an LLC operating out of the same address as a Somali money transfer firm previously accused of funneling funds to terrorist organizations. Abdisalam Abdi Ali was appointed Minister of Foreign Affairs and International Cooperation of Somalia in May 2025. Born in Somalia but building a life in the U.S., Ali established Ritechoice Healthcare Services LLC in Toledo, Ohio, over a decade ago. Shockingly, two additional healthcare companies operate out of the same office suite. https://twitter.com/libsoftiktok/status/2006872203921600958?s=20 In that role, he: Oversees Security Council meetings Sets the Council's agenda Manages resolutions and presidential statements Speaks for the A3+ bloc (African nations plus Caribbean representation) on issues like Afghanistan and Yemen But before assuming global authority in New York, Osman spent years embedded inside Ohio's public welfare system. Osman relocated to the United States in the late 1980s and built his career in Ohio's taxpayer-funded social services apparatus. From 1999 to 2012, he worked at the Franklin County Department of Job and Family Services, serving as: Case Manager Social Program Specialist Source: thegatewaypudit.com  https://twitter.com/JoeLang51440671/status/2006726416168079799?s=20   democrats by the same corrupt Somali's. Stolen elections violate the Constitutional rights of citizens. That will play a HUGE part in FORCING our election system to be completely transformed. Fraud vitiates everything and everything is connected. Source: thegatewyapundit.com President Trump's Plan https://twitter.com/ScottAdamsSays/status/2007077071684780275?s=20 https://twitter.com/elonmusk/status/2007076187760366005?s=20 President Trump Issues the First Vetoes of His Second Term  It took about 11 months, but President Donald Trump has finally issued the first vetoes of his second term. And like most things involving the president, the moves aren't without their critics — including some you might not normally expect pushback from. Trump's rapid response team highlighted the two vetoes: https://twitter.com/RapidResponse47/status/2006153283996381333?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2006153283996381333%7Ctwgr%5E79e6ef2350ae826bc802e9e5d82d5c97bad630de%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2026%2F01%2Fpresident-trump-issues-first-vetoes-second-term%2F The “Miccosukee Reserved Area Amendments Act” is a bill aimed at expanding the land set aside for the Miccosukee Tribe inside Everglades National Park by officially including a section known as Osceola Camp. Trump had a couple of issues with this. The residential community in that area “was constructed in 1935, without authorization, in a low area that was raised with fill material,” Trump's explanation read. “None of the current structures in the Osceola Camp are over 50 years old, nor do they meet the other criteria to be considered for listing in the National Register of Historic Places,” Trump wrote to the House. He added that, “the Miccosukee Tribe has actively sought to obstruct reasonable immigration policies that the American people decisively voted for when I was elected.” That appears to be a direct reference to the tribe's publicized opposition — including a lawsuit against the Trump administration — to the “Alligator Alcatraz” detention center in Florida, as noted by The Associated Press. The “Finish the Arkansas Valley Conduit Act,” meanwhile, is a bill designed to make it easier for rural Colorado communities to complete a long‑planned water pipeline project that will facilitate drinking water to people in the Arkansas River Valley. Trump appeared to take specific issue with the price tag and repayment plans for this project. “It was originally authorized … in a bill signed by President Kennedy in 1962,” Trump said. “For decades it was unbuilt, largely because the AVC was economically unviable.” “More than $249 million has already been spent on the AVC, and total costs are estimated to be $1.3 billion,” Trump wrote. “H.R. 131 would continue the failed policies of the past by forcing Federal taxpayers to bear even more of the massive costs of a local water project — a local water project that, as initially conceived, was supposed to be paid for by the localities using it. “Enough is enough. My administration is committed to preventing American taxpayers from funding expensive and unreliable policies. Ending the massive cost of taxpayer handouts and restoring fiscal sanity is vital to economic growth and the fiscal health of the Nation.” The bill was backed and pushed by Colorado GOP Rep. Lauren Boebert — normally a staunch supporter of Trump's — who seemed incensed with the president's veto and vowed that “this isn't over.” Source: thegatewaypundit.com https://twitter.com/EagleEdMartin/status/2006700820432130068?s=20  to believe that these Democrat Mayors and Governors, all of whom are greatly incompetent, would want us to leave, especially considering the great progress that has been made??? President DJT https://twitter.com/EndWokeness/status/2006537728369057886?s=20 https://twitter.com/BradCGZ/status/2006485378031824908?s=20 https://twitter.com/WhiteHouse/status/2006523871181300073?s=20  (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:13499335648425062,size:[0, 0],id:"ld-7164-1323"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="//cdn2.customads.co/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");

A.M. Edition for Dec. 22. Congress breaks for the holidays without renewing enhanced ACA subsidies. The WSJ's Sabrina Sidiqui explains what could break the impasse, as millions face higher healthcare premiums and lingering uncertainty. Plus, after seizing a second tanker over the weekend, the U.S. Coast Guard hunts another ship involved in moving Venezuelan oil. And a former Tesla staffer who clashed with Elon Musk shakes up the race to run General Motors. Daniel Bach hosts. Listen to the full interview with Cleveland Fed President Beth Hammack on WSJ's Take On the Week.  Learn more about your ad choices. Visit megaphone.fm/adchoices