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Many of us don't know our neighbors anymore — and Nirav Tolia wanted to change that. He walked away from millions in stock options at Yahoo and eventually co-founded Nextdoor, the hyperlocal social network where neighbors share local news and recommendations. Along the way, he learned that for a digital service, Nextdoor demanded a ton of manual work: drawing neighborhood boundaries with Sharpies, sending individual “invite” postcards by snail mail, talking to neighbors about the information they wanted. After 8 years of grind, Nirav stepped away as CEO, only to return 6 years later to spearhead an ambitious rebrand of Nextdoor, which now has 100 million users around the world. In this episode, you'll learn:Why Nirav walked away from millions in stock options to launch his own business How the failure of an early business helped fuel Nextdoor's success How not having an initial vision for your brand can be a superpower. Why apps that focus on “local” are so hard to master Why Nirav believes” local” is a massive untapped opportunity in tech.This episode was produced by Casey Herman with music by Ramtin Arablouei. It was edited by Neva Grant. Our audio engineers were Kwesi Lee and Jimmy Keeley.Follow How I Built This:Instagram→ @howibuiltthisX → @HowIBuiltThisFacebook→ How I Built ThisFollow Guy Raz:Instagram→ @guy.razX → @guyrazSubstack→ guyraz.substack.comWebsite→ guyraz.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Isaiah 19:1-21:17, Gal 2:1-16, Ps 59:1-17, Pr 23:13-14
PREVIEW. Guest Name: Rick Fisher Summary: China announced an international global asteroid defense capability, led by Wu Weiren, inviting countries to join ground-based radar and interceptor stations. This system, controlled by the People's Liberation Army (PLA), could potentially be used to target America's satellites and defeat the US in future wars. Formal Name: Rick Fisher, International Assessment and Strategy Center
For investors looking to make sense of housing-related assets amidst changes in Fed policy stance, our co-heads of Securitized Product Research Jay Bacow and James Egan offer their perspective on mortgage rates and the market.Read more insights from Morgan Stanley.----- Transcript ----- James Egan: Welcome to Thoughts on the Market. I'm Jim Egan, co-head of Securitized Products Research at Morgan Stanley.Jay Bacow: I'm Jay Bacow, the other co-head of Securitized Products Research at Morgan Stanley.Today we're talking about the Fed, mortgage rates and the implications to the housing market.It's Monday, September 15th at 11:30am in New York.Now Jim, the Fed is meeting on Wednesday, and both our economists and the market are expecting them to cut rates in this meeting – and continue to cut rates at least probably two more times in 2025, and multiple times in 2026. We've talked a lot about the challenges and the affordability in the U.S. homeowners' market, in the U.S. mortgage market.Before we get into what this could help [with] the affordability challenges, how bad is that affordability right now?James Egan: Sure. And as we've discussed on this podcast in the past, one of the biggest issues with the affordability challenges in the U.S. housing market specifically is how it's fed through to supply issues as the lock-in effect has kept homeowners with low 30-year mortgage rates from listing their homes.But just how locked in does the market remain today? The effective rate on the outstanding mortgage market, kind of the average of the mortgages outstanding, is below 4.25 percent. The prevailing rate for 30-year mortgages today is still over 6.25 percent, so we're talking about two full percentage points, 200 basis points outta the money.Jay Bacow: And that seems like a lot. Has it been that way in the past?James Egan: If we look at roughly 40 years of data ending in 2022, the market was only 100 basis points outta the money for eight individual quarters. The most it was ever out of the money was 135 basis points. We have now been more than 200 basis points out of the the money for three entire years, 12 consecutive quarters. So, this is very unprecedented in the past several decades.But Jay, our economists are calling for Fed cuts, the market's pricing in Fed cuts. How much lower is the mortgage rate going for these affordability equations?Jay Bacow: We actually don't think that the Fed cutting rates necessarily is going to cause the mortgage rate to come down at all. And one way we can think about this is if we look at it, the Fed has already cut rates 100 basis points over the past year, and since the Fed has cut rates 100 basis points in the past year, the mortgage rate is 25 basis points higher.James Egan: Okay, so if I'm not going to be looking at Fed funds for the path of mortgage rates going forward, I have two questions for you.One, what part of the Treasury term structure should I be looking at? And two, you talked about the market pricing in Fed cuts from here. What is the market saying about where those rates will be in the future?Jay Bacow: So, mortgage rates are much more sensitive to the belly of the Treasury curve. Call it the 5- and 10-year portions than Fed funds. They have a little bit of sensitivity to the third year note as well. And when we think about what the market is expecting those portions of the Treasury curve to do, I apologize, I'm going to have to nerd out. Fortunately, being a nerd comes very naturally to me.If you look at the spread between the 5- and the 10-year portion of the treasury curve, 10 years yield about 50 basis points more than the 5-year note. So, you think about it, an investor could buy a 10-year note now. Or they could buy a 5-year note now and then another 5-year note in five years, and they should expect to get the same return if they do either one.So, if they buy the 10-year note right now at 50 basis points above where the 5-year note is. Or they buy the 5-year note, right now, the 5-year note in five years would have to yield 100 basis points above to get the average to be the same. Well, if the 5-year note in five years is 100 basis points above where the 5-year note is right now, mortgage rates are also probably going to be higher in five years.James Egan: Okay, so that's not helping the affordability issues. What can be done to lower mortgage rates from here?Jay Bacow: Well, going back to my inner nerd, if you brought the 5- and 10-year Treasury yields down, that would certainly be helpful. But mortgage rates aren't just predicated on where the Treasury yields are.There's also a risk premium on top of that. And so, if the mortgage originators can sell those loans to other investors at a tighter spread, that would also help bring the rate down. And there are things that can be done on that front. So, for instance, if the capital requirements for investors to own those mortgages go down, that would certainly be helpful.You could try to incentivize investors in a number of different ways, that's one front. But in reality, a lot of these fees are already sort of stuck in place. So, there's only so much that can be done.Now, Jim, let's suppose. I am wrong. I've been wrong in the past. A lot of times with you. I thought the Patriots were gonna beat the Giants in both Super Bowls. Somehow Eli Manning proved me wrong.However, if the mortgage rate does come down, how much does it have to come down for housing activity to start picking up?James Egan: So, this is a question we get asked roughly six to seven times a day…Jay Bacow: How did Eli Manning beat the Patriots?James Egan: How far mortgage rates have to come down in order to really get housing sales started again. And because of the backdrop of today's housing and mortgage markets that we laid out at the top of this podcast, it's really difficult to empirically point to a mortgage rate and calculate this is where rates have to fall to.So, what we have been doing instead is looking at historic periods of affordability improvement, and seeing how much do we need to get that affordability ratio down to get a sustainable growth in sales volumes from here.Jay Bacow: All right. And how much do we have to get that affordability ratio down?James Egan: So, a sustainable increase; historically, we've needed about a 10 percent improvement in the affordability ratio…Jay Bacow: Alright, help me out here. I think about mortgage payments as more of a function of the rate level. So, if we're in the context of like 6.25, 6.5 right now, how far does the mortgage rate need to drop to get a 10 percent improvement? Assuming that there's no change in borrower's income or home prices.James Egan: In that world, we think you need about 100 basis point move. It would take the 30-year mortgage rate to call it, 5.5 percent.Jay Bacow: All right, so if mortgage rates go to 5.5 percent, then we're going to immediately see housing activity pickup.James Egan: That is not exactly what we're saying. What we've seen is the 10 percent improvement is enough to get sustainable growth in sales volumes. A year after you start to see that real improvement, the contemporaneous moves can be up, they can be down. Given what our economists are saying for the labor market going forward, what they're saying for growth in the United States, we do think you can see a little bit of contemporaneous growth.If you start to see that 100 basis point move in mortgage rates now, we think you'll get about a 5 percent increase in purchase volumes as we move through 2026 with the potential for upward inflection in 2027 from that 5 percent growth number – again, if we get that move in mortgage rates.Jay Bacow: Alright, so we expect the Fed to cut rates about 150 basis points over the next year and a half. It doesn't necessarily have to bring the mortgage rate down. But if the mortgage rate does go down to in the context of 5.5 percent, we should start to get a pickup in housing activity maybe the year after that.Jim, always a pleasure talking to you.James Egan: Pleasure talking to you too, Jay. And to all of you regularly hearing us out, thank you for listening to another episode of Thoughts on the Market.Jay Bacow: Please leave us a review or a like wherever you get this podcast and share your Thoughts on the Market with a friend or colleague today.James Egan: Go smash that subscribe button.
In this episode, Jeff Ott and Becky Masterman welcome back Kamon Reynolds, Tennessee beekeeper and founder of the North American Honeybee Expo (NAHBE). Kamon shares how he balances managing over 150 colonies with organizing one of the largest beekeeping events in North America. Kamon discusses the logistics of moving bees to Wisconsin for basswood honey flows, keeping mite loads low through early-season oxalic acid slow release treatments, and maintaining young queens to build resilient colonies. He reflects on the challenges of dearth periods in the South, creative solutions like late splits and comb drawing, and the lessons learned from experimenting with migratory beekeeping. The conversation shifts to NAHBE's growth and its role in shaping the future of the industry—highlighting innovation, connecting vendors with beekeepers, and inspiring a new generation of apiarists through outreach to FFA (Future Farmers of America). The next expo takes place January 8–10, 2026 in Louisville, Kentucky, with expanded workshops and more vendor engagement opportunities. If you've ever considered attending NAHBE or want insight into sideline beekeeping, queen management, or the state of the industry, this episode is packed with practical advice and inspiration for beekeepers at every level. Websites from the episode and others we recommend: North American Honey Bee Expo: https://www.nahbexpo.com Kamon's YouTube Channel: https://www.youtube.com/@kamonreynolds Project Apis m. (PAm): https://www.projectapism.org Honey Bee Health Coalition: https://honeybeehealthcoalition.org The National Honey Board: https://honey.com Honey Bee Obscura Podcast: https://honeybeeobscura.com Copyright © 2025 by Growing Planet Media, LLC ______________ Betterbee is the presenting sponsor of Beekeeping Today Podcast. Betterbee's mission is to support every beekeeper with excellent customer service, continued education and quality equipment. From their colorful and informative catalog to their support of beekeeper educational activities, including this podcast series, Betterbee truly is Beekeepers Serving Beekeepers. See for yourself at www.betterbee.com This episode is brought to you by Global Patties! Global offers a variety of standard and custom patties. Visit them today at http://globalpatties.com and let them know you appreciate them sponsoring this episode! Thanks to Bee Smart Designs as a sponsor of this podcast! Bee Smart Designs is the creator of innovative, modular and interchangeable hive systems made in the USA using recycled and American sourced materials. Bee Smart Designs - Simply better beekeeping for the modern beekeeper. Give your bees a boost with HiveAlive! Proven to increase bee health, honey yield, and overwinter survival, HiveAlive's unique formula includes seaweed, thyme, and lemongrass, making it easy to feed. Choose from HiveAlive's Fondant Patties, High-Performance Pollen Patties, or EZ Feed Super Syrup—ready-to-use options for busy beekeepers. Buy locally or online. Thanks to Strong Microbials for their support of Beekeeping Today Podcast. Find out more about their line of probiotics in our Season 3, Episode 12 episode and from their website: https://www.strongmicrobials.com Thanks for Northern Bee Books for their support. Northern Bee Books is the publisher of bee books available worldwide from their website or from Amazon and bookstores everywhere. They are also the publishers of The Beekeepers Quarterly and Natural Bee Husbandry. _______________ We hope you enjoy this podcast and welcome your questions and comments in the show notes of this episode or: questions@beekeepingtodaypodcast.com Thank you for listening! Podcast music: Be Strong by Young Presidents; Epilogue by Musicalman; Faraday by BeGun; Walking in Paris by Studio Le Bus; A Fresh New Start by Pete Morse; Wedding Day by Boomer; Christmas Avenue by Immersive Music; Red Jack Blues by Daniel Hart; Original guitar background instrumental by Jeff Ott. Beekeeping Today Podcast is an audio production of Growing Planet Media, LLC ** As an Amazon Associate, we may earn a commission from qualifying purchases Copyright © 2025 by Growing Planet Media, LLC
Crypto News: Expect market volatility as the Fed announces on Wednesday if they will cut rates by 25 bps. Investment giant Capital Group's $1B bet on Bitcoin treasuries balloons to $6 billionPakistan's crypto regulator invites crypto firms to get licensed, serve 40 million local users. Show Sponsor -
Our Global Autism Community members talk about what affirming means to them, and how masking affects autistic individuals. Welcome to Autism Tips & Tools, where we highlight the best practical guidance from previous episodes of Autism Knows No Borders. Whether you're a self-advocate, a family member, or a service provider, there's something here for you! This roundtable discussion was originally released on October 5, 2023. Would you like to hear about best practices, client dignity, and how to create inclusive environments that respect the autonomy and individuality of autistic individuals? Click the link below for the full conversation and be sure to subscribe to hear more from people connected to autism inspiring change and building community. Neurodiversity-Affirming Practices, with the Global Autism Community Let's work together to transform how the world relates to autism. ----more---- We appreciate your time. If you enjoy this podcast and you'd like to support our mission, please take just a few seconds to share it with one person who you think will find value in it too. Follow us on Instagram: @autismpodcast Join our community on Mighty Networks: Global Autism Community Subscribe to our YouTube channel: Global Autism Project We would love to hear your feedback about the show. Please fill out this short survey to let us know your thoughts: Listener Survey
⚽ Manchester City crushed United in the derby as Erling Haaland made his mark again, while off the pitch Old Trafford prepares for a turbulent financial reckoning.
Today's story: Car theft is on the rise, and it's high tech and global. Thieves in rich countries steal luxury SUVs using relay devices and other tools, then ship them overseas to markets in Africa and the Middle East, where demand is high and oversight is weak.Transcript & Exercises: https://plainenglish.com/804Full lesson: https://plainenglish.com/804 --Upgrade all your skills in English: Plain English is the best current-events podcast for learning English.You might be learning English to improve your career, enjoy music and movies, connect with family abroad, or even prepare for an international move. Whatever your reason, we'll help you achieve your goals in English.How it works: Listen to a new story every Monday and Thursday. They're all about current events, trending topics, and what's going on in the world. Get exposure to new words and ideas that you otherwise might not have heard in English.The audio moves at a speed that's right for intermediate English learners: just a little slower than full native speed. You'll improve your English listening, learn new words, and have fun thinking in English.--Did you like this episode? You'll love the full Plain English experience. Join today and unlock the fast (native-speed) version of this episode, translations in the transcripts, how-to video lessons, live conversation calls, and more. Tap/click: PlainEnglish.com/joinHere's where else you can find us: Instagram | YouTube | WhatsApp | EmailMentioned in this episode:Hard words? No problemNever be confused by difficult words in Plain English again! See translations of the hardest words and phrases from English to your language. Each episode transcript includes built-in translations into Spanish, Portuguese, Chinese, German, French, Italian, Japanese, Polish, and Turkish. Sign up for a free 14-day trial at PlainEnglish.com
Psalms 59:1-17
BE WARNED: It's LuAnna, and this podcast contains honest, upfront opinions, rants, bants and general explicit content. But you know you love it.On this week's LuAnna: The Podcast: Lu is NOT happy about tube strikes, but delighted at the amount of willy she's seen in Florence, Driver Dave and a minstrels incident, Anna's been the the NTAs and got Lu and Imo sexy gifts and Imo's been rubbing shoulders at Chelsea.Plus, bogey wine, some disturbing news from Italy, nipple play and ball cupping. Remember, if you want to get in touch you can: Email us at luanna@everythingluanna.com OR drop us a WhatsApp on 07745 266947Please review Global's Privacy Policy: https://global.com/legal/privacy-policy/
Isaiah 19:1-21:17, Gal 2:1-16, Ps 59:1-17, Pr 23:13-14
Rouzbeh Yassini-Fard, founder of LANcity, author of The Accidental Network, and widely known as the “father of the cable modem”, shares the story of how broadband was built and the lessons it offers for today's leaders navigating AI and emerging technologies. Arriving in the U.S. with $750 in savings, Yassini-Fard envisioned carrying “voice, data and video… over one cable instead of two” at a time when few believed homes would ever need to be connected. Over nine years, with just 13 employees and seven consultants, he built a working product, proved its reliability, and persuaded the cable industry to adopt it. By 1996, his team had driven device costs from $8,000 down to under $300 and helped create DOCSIS, the global broadband standard, released royalty-free to speed adoption. Reflecting on today's tech landscape, he cautions: “It's not just really money… you need more than that. It's a proven prototype and a product that actually does the talking.” Valuations without execution, he warns, will accelerate failure. Key lessons include: Prototype before scale: Capital is wasted without demonstrable performance in real environments. Treat infrastructure as strategy: Broadband enabled Silicon Valley, Netflix, telehealth, and remote work; leaders must model today's energy, compute, and connectivity constraints when sizing AI opportunities. Open standards matter: Royalty-free interoperability can turn a niche idea into an industry platform. Execution trumps valuation: LANcity beat Motorola and Intel with disciplined engineering, resilient supply chains, and relentless customer trials. Anchor to customer economics: Early users became advocates because the modem delivered day-to-day value. Looking forward, Yassini-Fard stresses that AI and robotics will stall without addressing power and infrastructure: “For some of these AI companies to be successful, they need gigawatts of power… it takes 10 years to build a nuclear reactor that gives you one.” He highlights quantum computing and network management as the next frontiers, and calls for workforce retraining in mathematics, physics, and the skilled trades that sustain digital systems. For executives evaluating platform bets or emerging technologies, this conversation offers a grounded blueprint: start with the prototype, model the infrastructure honestly, choose standards deliberately, and align capital with execution discipline.
We The People must stand strong, stay united, resolute, calm, and focus on the mission. Order Mel's New Book: Americans Anonymous: Restoring Power to the People One Citizen at a Time https://themelkshow.com/book The Show's Partners Page: https://themelkshow.com/partners/ Consider Making A Donation: https://themelkshow.com/donate/ Beverly Hills Precious Metals Exchange - Buy Gold & Silver https://themelkshow.com/gold/ Speak with Gold Expert Andrew Sorchini…Tell Him Mel K Sent You! Dr. Zelenko Immunity Protocols https://zstacklife.com/MelK I trust SatellitePhoneStore when all other networks fail. With their phone, I know I'm always connected, no matter where I am or what happens. https://sat123.com/melk/ I've tried a lot of supplements over the years, but nothing has compared to the purity and results I've experienced with Chemical Free Body. USE CODE MELK Mel K Superfoods Supercharge your wellness with Mel K Superfoods Use Code: MELKWELLNESS and Save Over $100 off retail today! https://themelkshow.com/partners/ Healthy Hydration: https://themelkshow.com/partners/ Patriot Mobile Support your values, your freedom and the Mel K Show. Switch to Patriot Mobile for Free. Use free activation code MELK https://themelkshow.com/partners/ HempWorx The #1 selling CBD brand. Offering cutting edge products that run the gamut from CBD oils and other hemp products to essential oils in our Mantra Brand, MDC Daily Sprays which are Vitamin and Herb combination sprays/ https://themelkshow.com/partners/ Dr. Zelenko Immunity Protocols https://zstacklife.com/MelK Support Patriots With MyPillow Go to https://www.mypillow.com/melk Use offer code “MelK” to support both MyPillow and The Mel K Show The Wellness Company - Emergency Medical Kits: https://themelkshow.com/partners/ Dr. Stella Immanuel, MD. Consult with a renowned healthcare provider! Offering Telehealth Services & Supplements. Use offer code ‘MelK' for 5% Off https://themelkshow.com/partners/ Rumble (Video) - The Mel K Show: https://rumble.com/c/TheMelKShow X: https://twitter.com/MelKShow Twitter (Original): https://twitter.com/originalmelk TRUTH Social: https://truthsocial.com/@themelkshow Instagram: https://www.instagram.com/themelkshow/ Podbean: https://themelkshow.podbean.com/ GETTR: https://www.gettr.com/user/themelkshow Locals.com: https://melk.locals.com/ Banned Video: https://banned.video/channel/the-mel-k-show We at www.themelkshow.com want to thank all our amazing patriot pals for joining us on this journey, for your support of our work, and for your faith in this biblical transition to greatness. Together we are unstoppable. We look forward to seeing you. God Wins! https://themelkshow.com/events/ Remember to mention Mel K for great discounts on all these fun and informative events. See you there! Our Website www.TheMelKShow.com We love what we do and are working hard to keep on top of everything to help this transition along peacefully and with love. Please help us amplify our message: Like, Comment & Share!
#benjordan #wildboys #uswa #gmbmpwWelcome to Episode 16 of the Best Of jamesrockstreet Productions! Home to the Give Me Back My Pro Wrestling and Live and In Color with Wolfie D podcasts, Sheik's Shorts and more! So, sit back and enjoy as we bring you some of the very best stories, you'll never hear anywhere else! @GMBMPW @livewolfied @jamesrockstreet Everywhere!Today we bring you the first half of episode 42 of Give Me Back My Pro Wrestling with Ben Jordan! Ben's one of our favorite guests of all time! We talk his start in the business, his early days, USWA, Global, WWF, Wild Boys, Columbia Wrestling and so much more! Enjoy! If you'd like to hear the rest of the episode, follow this link: https://youtu.be/UYtnQ0P8UDQVisit our Give Me Back My Pro Wrestling podcast page! https://podcasters.spotify.com/pod/show/gmbmpwFOLLOW & SUBSCRIBE:https://facebook.com/gmbmpwhttps://facebook.com/groups/gmbmpw/https://instagram.com/gmbmpwhttps://twitter.com/gmbmpwhttps://www.youtube.com/@GMBMPWCheck out Sheik's Shorts: https://youtube.com/playlist?list=PL0oL-yrnIHtlaVHamAApDquYBXeGaHS8vCheck out the Live and In Color with Wolfie D podcast: https://podcasters.spotify.com/pod/show/wolfiedVISIT OUR AWESOME SPONSORS!-Captain's Corner (Conventions, Virtual Signings and more!): https://www.facebook.com/captinscorner-T's Westside Original Gourmet Sauces: https://www.westsidesauces.com-MAGIC MIND: Get 45% off the Magic Mind bundle with our link:https://www.magicmind.com/LIVEINCOJAN #magicmind #mentalwealth #mentalperformance-MANSCAPED: 20% OFF with code WOLFIE at https://manscaped.comADVERTISE WITH US! For business and advertising inquiries contact us at gmbmpw@gmail.comVery Special Thanks To: -Sludge (@sludge_cast) for the "Give Me Back My Pro Wrestling" entrance theme!-Tracy Byrd and A Gathering Of None for the "Sheik Fell Down A Rabbit Hole" & "Name Game" theme songs! © 2025, jamesrockstreet Productions
Interview with Simon Marcotte, CEO, Northern Superior ResourcesOur previous interview: https://www.cruxinvestor.com/posts/northern-superior-resources-tsxvsup-consolidating-canadas-next-major-gold-camp-7570Recording date: 10th September 2025Northern Superior Resources is positioning itself at the forefront of what CEO Simon Marcotte believes will be a historic transformation in the gold sector, driven by both macroeconomic forces and strategic asset consolidation in Quebec's emerging Chibougamau Gold Camp.Marcotte presents a compelling case for gold reaching $30,000 per ounce, based on debt-to-gold reserve ratio analysis comparing current conditions to the 1970s currency reset. His framework suggests that to match 1970s reset levels, gold would need to reach $24,000, with additional structural factors potentially driving prices higher. This bold prediction reflects his view that despite recent gold strength, "we don't even think the game has started... we're [just] walking into the arena."A critical investment opportunity emerges from current sector mispricing. Gold developers currently trade at approximately 0.5% of their gold-in-ground value, compared to historical averages of 3-5% since 2001. As Marcotte explains, "If gold just stays where it is and we re-rate back to the long-term average, we're looking at a 10 bagger for the sector." This valuation disconnect coincides with gold producers facing reserve depletion challenges, having "depleted about a third of their reserves in the ground over the past 15 years," creating inevitable consolidation pressure.Northern Superior's core strategy centers on consolidating Quebec's Chibougamau Gold Camp, which Marcotte positions as "the next big camp to emerge globally." The Philibert deposit serves as the foundational asset, with 22,000 meters of successful drilling demonstrating "enormous success to the southeast" and discovering "a high-grade underground zone at depth." The company has strategically acquired neighboring properties to enable northwestern expansion, with a new resource estimate in development.IAMGOLD's role as the camp's driving development force provides significant validation, having "publicly stated several times that their next stop is to develop Chibougamau." Additionally, Northern Superior's 50% ownership of OnGold represents hidden value through two key assets: the TPK project (North America's largest gold-in-till anomaly) and Monument Bay (historical 3 million ounce resource). Both assets are now actively being drilled following years of preparation and community engagement.The company maintains strong governance with 25% insider ownership and solid institutional backing, protecting against opportunistic takeovers while maintaining strategic flexibility. Management's approach balances active development with strategic patience, recognizing potential for significant value creation as gold prices advance and sector consolidation accelerates.Learn more: https://www.cruxinvestor.com/companies/northern-superior-resources-incSign up for Crux Investor: https://cruxinvestor.com
Isaiah 19:1-21:17, Gal 2:1-16, Ps 59:1-17, Pr 23:13-14
Copernic Catalysts is developing next-generation chemical catalysts using computational materials design to replace century-old technology in the $80 billion ammonia industry. The company has raised $10 million and is working with top-five global ammonia producers to prove their Neptune catalyst can deliver tens of millions in annual savings per plant while reducing the industry's 1% contribution to global greenhouse gas emissions. In this episode, Jacob Grose shares insights from his journey from BASF venture capitalist to deep-tech founder, revealing how his team is navigating one of the most conservative B2B markets while building transformational technology for both current chemical production and future sustainable shipping fuels. Topics Discussed: The century-old ammonia catalyst problem and why the industry hasn't innovated Copernic's computational approach to rationally designing drop-in replacement catalysts The extreme conservatism of chemical industry customers and how to overcome it Multi-stage go-to-market strategy from lab samples to pilot demonstrations to commercial scale Using toll manufacturing partnerships to scale capital-efficiently while building customer trust The historical significance of ammonia synthesis and its role in feeding 8 billion people Building a platform technology for multiple catalyst products across different chemical markets GTM Lessons For B2B Founders: Navigate ultra-conservative B2B markets with staged proof: Jacob outlined a methodical approach for entering markets where customers are "terrified of change" due to tight margins and operational risks. Start with small lab samples to top customers, progress to pilot-scale demonstrations over 6-12 months, then secure commercial installations. This staged approach allows conservative buyers to gradually build confidence while de-risking their decision-making process. Leverage toll manufacturing for customer credibility and capital efficiency: Rather than building manufacturing capabilities, Copernic partners with established catalyst manufacturers using an "Apple model" - they own the IP while trusted partners handle production. This approach provides three key advantages: faster scale-up, capital efficiency, and most importantly, customer comfort with proven quality control systems. For deep-tech founders, partnering with established players can accelerate market acceptance. Turn industry conservatism into a competitive moat: While chemical industry conservatism creates barriers to entry, Jacob recognized it also creates powerful moats once you're established. Companies using 100-year-old iron-based catalysts represent massive switching costs and customer lock-in opportunities. Founders entering conservative industries should view initial resistance as future protection against competitors. Design for drop-in replacement adoption: Copernic deliberately engineered their catalyst to work within existing plant infrastructure, minimizing customer adoption friction. Jacob emphasized using "base metals" (common, inexpensive materials) and standard manufacturing techniques to ensure compatibility. When disrupting established industries, reducing implementation complexity can be more valuable than maximizing performance gains. Build technical credibility through domain expertise transfer: Jacob's nine years at BASF provided deep industry knowledge that proved essential for both product development and customer trust. His background in corporate venture capital gave him insights into how large chemical companies evaluate new technologies. Founders targeting specialized B2B markets should consider how domain expertise - whether through hiring, partnerships, or personal experience - can accelerate credibility and customer relationships. Position platform technology for multiple market opportunities: While focused on ammonia catalysts initially, Jacob positioned Copernic as a platform company with computational catalyst design capabilities applicable across multiple chemical markets. This platform approach appeals to investors seeking larger addressable markets while providing strategic flexibility as the company scales. // Sponsors: Front Lines — We help B2B tech companies launch, manage, and grow podcasts that drive demand, awareness, and thought leadership. www.FrontLines.io The Global Talent Co. — We help tech startups find, vet, hire, pay, and retain amazing marketing talent that costs 50-70% less than the US & Europe. www.GlobalTalent.co // Don't Miss: New Podcast Series — How I Hire Senior GTM leaders share the tactical hiring frameworks they use to build winning revenue teams. Hosted by Andy Mowat, who scaled 4 unicorns from $10M to $100M+ ARR and launched Whispered to help executives find their next role. Subscribe here: https://open.spotify.com/show/53yCHlPfLSMFimtv0riPyM
En el episodio de hoy, Eugenio Garibay y Juan Manuel De Los Reyes analizan el crecimiento económico global en base a indicadores recientes de diferentes países. Por un lado, China reporta crecimiento en ventas minoristas, producción industrial, e inversión en activos fijos menor a lo esperado. Sin embargo, aún con desaceleración, el crecimiento continúa siendo positivo, y es un reflejo de lo que vemos en diferentes países. Por otro lado, Fitch le baja la calificación crediticia a Francia de AA- a A+ citando alto nivel de apalancamiento y déficit fiscal, así como inestabilidad política. Eugenio y Juan Manuel discuten las tendencias de crecimiento globales, el impacto en las empresas, y hacen la gran pregunta: ¿Quién será la potencia mundial en los próximos años?
Would you rather build a financial future lined with velvet cushions, or one pieced together with spud bags?? Too many households in Ireland—and globally—are entering retirement without the savings needed to sustain their lifestyle. In this episode, I explore the uncomfortable truth behind retirement readiness, from the dominance of State Pensions to the worrying lack of planning, and why delayed gratification and early saving matter more than ever. Key Points: State Pension reliance: In Ireland, over half of workers without private pensions expect to rely mainly on the State Pension (€15,100 p.a. in 2025). Research insights: CCPC data shows 26% of adults are completely unprepared for retirement; many regret starting pensions too late or don't understand how they work. Spending reality: Retirement spending often follows a U-shaped “smile”—high early, lower mid-life, higher again with health costs. But reductions are often enforced, not chosen. Global parallels: US data mirrors the same challenge—most middle-aged households have modest pension balances, and Social Security dominates retirement income. Cultural habits: Rising instant-spending patterns today may make cutting back tomorrow feel like deprivation. Solutions: Start saving early, define retirement goals, regularly review pension performance, seek professional advice, and prepare for Auto Enrolment (2026). The takeaway: Financial freedom in retirement won't just happen—it must be planned for deliberately, and the time to act is now.
We speak to Wikus Engelbrecht, tango dancer and enthusiast, who recently gave a lecture at the University of Cape Town’s SA College of Music, exploring the connection between African footsteps and Argentine Tango. Presenter John Maytham is an actor and author-turned-talk radio veteran and seasoned journalist. His show serves a round-up of local and international news coupled with the latest in business, sport, traffic and weather. The host’s eclectic interests mean the program often surprises the audience with intriguing book reviews and inspiring interviews profiling artists. A daily highlight is Rapid Fire, just after 5:30pm. CapeTalk fans call in, to stump the presenter with their general knowledge questions. Another firm favourite is the humorous Thursday crossing with award-winning journalist Rebecca Davis, called “Plan B”. Thank you for listening to a podcast from Afternoon Drive with John Maytham Listen live on Primedia+ weekdays from 15:00 and 18:00 (SA Time) to Afternoon Drive with John Maytham broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/BSFy4Cn or find all the catch-up podcasts here https://buff.ly/n8nWt4x Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.
Isaiah 15:1-18:7, Gal 1:1-24, Ps 58:1-11, Pr 23:12
Isaiah 15:1-18:7, Gal 1:1-24, Ps 58:1-11, Pr 23:12
Donald Trump wants to broker peace in two of the world's most intractable wars: Gaza and Ukraine. But this week, both crises have escalated – and the man he's tasked with solving them has no previous diplomatic experience.Steve Witkoff, a real estate mogul and Trump's closest confidante, is now at the centre of American foreign policy as the ‘envoy for everything'.On today's Global Story, we speak with the BBC's State Department Correspondent, Tom Bateman, and ask whether Witkoff's unconventional style is a weakness – or a strength.Every weekday, this is The Global Story. The world is changing. Decisions made in the US and by the second Trump administration are accelerating that change. But they are also a symptom of it. With Asma Khalid in DC, Tristan Redman in London, and the backing of the BBC's international newsroom, The Global Story brings clarity to politics, business and foreign policy in a time of connection and disruption. For more episodes, just search 'The Global Story' wherever you get your BBC Podcasts.Producers: Cat Farnsworth and Aron Keller Executive producer: James Shield Mix: Travis Evans Senior news editor: China CollinsImage: President Donald Trump and Steve Witkoff. Sarah Yenesel/EPA/Shutterstock
On today's episode, Kyle Grieve discusses the rise of McDonald's under Ray Kroc and the vision, systems, and persistence that transformed a small burger joint into a global empire. He explores Kroc's leadership style, business model innovations, and the timeless lessons investors and entrepreneurs can learn from McDonald's journey. IN THIS EPISODE YOU'LL LEARN: 00:00 - Intro 03:34 - The grit, adaptability, and salesmanship that made Ray Kroc unstoppable 14:42 - How a hot dog stand inspired the first McDonald's restaurant 19:04 - Why protecting brand image was so vital to McDonald's growth story 20:06 - How McDonald's pivot to real estate fueled expansion 25:21 - Why standardization and systems powered McDonald's rapid growth 28:49 - Why Kroc's struggles with the McDonald brothers show alignment is critical 30:22 - What Jobs, Schultz, and Musk shared with Kroc as visionaries 33:54 - How McDonald's thrived for decades despite fierce competition 40:51 - How Hamburger University aligned franchisees with Kroc's vision 42:42 - The story behind McDonald's product innovation successes and failures Disclaimer: Slight discrepancies in the timestamps may occur due to podcast platform differences. BOOKS AND RESOURCES Join Clay and a select group of passionate value investors for a retreat in Big Sky, Montana. Learn more here. Join the exclusive TIP Mastermind Community to engage in meaningful stock investing discussions with Stig, Clay, Kyle, and the other community members. Buy a copy of Grinding It Out by Ray Kroc here. Follow Kyle on Twitter and LinkedIn. Check out all the books mentioned and discussed in our podcast episodes here. Enjoy ad-free episodes when you subscribe to our Premium Feed. NEW TO THE SHOW? Get smarter about valuing businesses in just a few minutes each week through our newsletter, The Intrinsic Value Newsletter. Check out our We Study Billionaires Starter Packs. Follow our official social media accounts: X (Twitter) | LinkedIn | Instagram | Facebook | TikTok. Browse through all our episodes (complete with transcripts) here. Try our tool for picking stock winners and managing our portfolios: TIP Finance Tool. Enjoy exclusive perks from our favorite Apps and Services. Learn how to better start, manage, and grow your business with the best business podcasts. SPONSORS Support our free podcast by supporting our sponsors: SimpleMining HardBlock AnchorWatch Human Rights Foundation Linkedin Talent Solutions Vanta Unchained Onramp Netsuite Shopify HELP US OUT! Help us reach new listeners by leaving us a rating and review on Spotify! It takes less than 30 seconds, and really helps our show grow, which allows us to bring on even better guests for you all! Thank you – we really appreciate it! Support our show by becoming a premium member! https://theinvestorspodcastnetwork.supportingcast.fm Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://theinvestorspodcastnetwork.supportingcast.fm
Rick A. Mars, DDS, Dental Care Group President and Align (Invisalign) Global Faculty Member, joins the podcast to share insights on the latest trends in the dentistry space. He emphasizes the critical role oral health plays in overall wellness, explores the growing use of AI in dentistry, and raises concerns about the risks of DIY dentistry.
Psalms 58:1-11
Send us a textThis week,We kick things off with a look back at Mega Sharpedo Raid Day, sharing how we tackled the event, the outcomes from our raids, and even a listener's WhatsApp message on their experience. From there, it's straight into the hottest topic in Pokémon GO right now — the October 15th Level 80 update. With the XP grind now more important than ever, we openly discuss how our approach to the game has shifted, share our top tips for farming XP efficiently, and debate the best ways to prepare whether you're playing on a budget or throwing all your resources at the challenge.Of course, it wouldn't be Incensed! without a game — Milo hosts another round of What The Ducklett, where craptic Pokémon clues test the hosts' patience and knowledge in equal measure. We also chat about the Pokémon Concierge Celebration Event and our early day-one impressions, before rounding out the episode with your favourite segment: Shinies of the Week!We'd like to say a massive thank you to all of our Patrons for your support, with credited Patrons from featured tiers below:#GOLDJB, Kerry & Zachary, Barside2, Mandy Croft, Mr Mossom, Mufti, DeanDHL & Masterlaxus.#SILVERKLXVI, Dell Hazard, Spindiana, Lori Beck, Steve In Norway, CeeCeeismad, Macfloof, Saul Haberfield, Lizzie George, Sander Van Den Dreiesche, Neonnet, Ellen Rushton, James Alexander, Northern Soph, Tom Cattle, Charley Todd, Robert Wilson, MissSummerOf69, Malcolm Grinter, Jordi Castel, Thehotweasel, shinyikeamom, TonyOfPride & Johno.The Gaming BlenderWe mash genres. We pitch games. You question our sanity.Listen on: Apple Podcasts SpotifySupport the showFind us on Niantic Campfire: CLICK MESend us a voice message on WhatsApp: +44 7592695696Email us: contact@incensedpodcast.comIf you'd like to buy merch, you can find us by clicking HERE for U.K. store, HERE for U.S. Oceana store or copy this link: https://incensedpodcast.myspreadshop.net/ for U.K. store or this link: https://incensed-podcast.myspreadshop.com/ for U.S. Oceana store!Hosted By: PoGoMiloUK, Ian Waterfall & Masterful 27. Produced & Edited By: Ian Waterfall & PoGoMiloUK. Administrators: HermesNinja & IAMP1RU5.Pokémon is Copyright Gamefreak, Nintendo and The Pokémon Company 2001-2016All names owned and trademarked by Nintendo, Niantic, The Pokémon Company, and Gamefreak are property of their respective owners.
Isaiah 15:1-18:7, Gal 1:1-24, Ps 58:1-11, Pr 23:12
Geoengineering Watch Global Alert News, September 13, 2025, #527 (Dane Wigington)
Global markets are in turmoil as major macro events trigger a widespread stock sell-off, fueled by uncertainty around Trump's economic policies and global tariffs. In this episode, we break down how this economic turbulence could shape the crypto market narrative—especially Bitcoin's chances of hitting its projected ATH above $120K this year. We also explore key differences between this cycle and the last, particularly how the market is reacting to paid vs. free token launches. Which model delivers the best value for users, and which is more likely to dominate long-term adoption? This question has been central to our development objectives as we work to support the creator ecosystem on Bitcoin. Additionally, we dive into the growing concerns around sustainable Bitcoin mining amid declining on-chain transactions. With $NAT emerging as a potential solution, we discuss how to raise awareness and contribute to solving these pressing challenges—both for Bitcoin's long-term viability and the DMT ecosystem we aim to build. Tune in for a deep dive into these critical topics and their impact on the future of crypto! Please like and subscribe on your favorite podcasting app! Sign up for a free newsletter: www.theblockrunner.com Follow us on: Youtube: https://bit.ly/TBlkRnnrYouTube Twitter: bit.ly/TBR-Twitter Telegram: bit.ly/TBR-Telegram Discord: bit.ly/TBR-Discord
O cérebro e o pensamento ideológico; o Relatório Global sobre o Estado da Democracia; reportagem no Centro Unbroken de Lviv; Gaza e França. Visão Global, edição de José Guerreiro.
Isaiah 15:1-18:7, Gal 1:1-24, Ps 58:1-11, Pr 23:12
Speaker - Andy KlenkeGlobal and Teaching Pastor
Nuestro politólogo, Fernando Vallespín, ofrece una visión general de lo que está ocurriendo en estos momentos en el escenario internacional. Escuchar audio
Iglesia pide unidad ante polarización y violencia Suman 16 muertos por choque múltiple en YucatánGolpe al narcomenudeo en tres alcaldías de la CDMX Más información en nuestro Podcast
We continued our teaching series and Pastor Nelson taught on “Jesus The Word”The Word didn't just start existing at John 1:1 and He also wasn't just quiet all through the Old Testament.The Word has been existing since before time began!When the Bible speaks of Jesus as The Word, what it encapsulates is the eternality of the word, the creating power of The Word, the revelatory nature of The Word. Nothing that is created can hold every other thing that was created. It has to be that which is eternal that must hold everything. He is the one by whom every other thing, visible and invisible, angels and humans were made.Jesus is God. It is by Him all other things were made and it is through Jesus we see the Father!
Bad Bunny, or Benito Antonio Martínez Ocasio, is dominating headlines and social media this week as he wraps up his epic two-month residency, No Me Quiero Ir de Aquí, at Puerto Rico's Coliseo de Puerto Rico. This 30-concert extravaganza transformed San Juan into a nonstop celebration, drawing fans worldwide and sparking a festival atmosphere across the city—bars overflowed, murals sprang up overnight, and legendary surprise guests hit the stage. Reports from Radio Milwaukee paint a scene of San Juan “alive,” with airport lines snaking out the door for merch, pop-ups celebrating Benito, and entire neighborhoods blasting his biggest hits. Inside the arena, each performance was a spectacle of lights, pyrotechnics, Puerto Rican iconography, and star-studded cameos—Arcángel, Ivy Queen, Young Miko, and Feid all took turns electrifying the crowd.The residency was more than a concert series; it was a declaration of Puerto Rican pride and a global showcase of Latin music's power. Bad Bunny himself, sharing with i-D Magazine, described the energy as “unprecedented,” uniting generations with music rooted in salsa, bomba y plena, and classic reggaetón influences interspersed throughout his flashy pop catalog.Just this Monday, Bad Bunny surprised fans with the release of his new single “Alambre Púa.” According to AOL, he debuted the track live for the residency's closing weekend, using it as the adrenaline-charged opener that set the tone for a 30-song marathon. This marks his first new music since January's album, Debí Tirar Más Fotos, which itself remains a Billboard and streaming juggernaut well into the year. Variety notes that the album's popularity is powering everything from record sales to unique brand tie-ins, like a special Peloton workout series celebrating Bad Bunny's music and artistic journey.The residency, however, is only the beginning of Bad Bunny's next chapter. ABC News and The Fader detail that his highly anticipated world tour for 2025-2026, supporting Debí Tirar Más Fotos, will not feature any U.S. dates. Bad Bunny cited not just a sense that he had “already done the U.S. extensively,” but, more seriously, concerns about safety and the threat of ICE raids for himself and his fans—a move the artist discussed candidly with both Variety and i-D.Recognition for Bad Bunny's achievements continues to skyrocket: the Latin Times confirms that he just broke the all-time record for nominations at the 2025 Billboard Latin Music Awards, earning an incredible 27 nominations. He leads across categories—Artist of the Year, Songwriter of the Year, Top Latin Album for Debí Tirar Más Fotos, and a slew of individual single nominations, underscoring his dominance in both streaming and on the charts. The awards ceremony will air live on October 23, 2025, from Miami, so expect even more historic moments as the date approaches.Meanwhile, Bad Bunny's cultural reach goes further than music. As reported by Variety, he's starring alongside Adam Sandler in the much-hyped movie Happy Gilmore 2, released in July, continuing his rapid rise as a multifaceted global entertainer.Thanks for tuning in—come back next week for another update on Bad Bunny and all things music. This has been a Quiet Please production; for more, check out Quiet Please Dot A I.Some great Deals https://amzn.to/49SJ3QsFor more check out http://www.quietplease.ai
Hello Trance Classic Showcase, Looking back on some timeless, underground trance classics from years gone by... Hello Trance | Classic Trance Showcase Mini Mix Vol. 2 Get ready for an electrifying journey... Volume 2 delivers a powerful blend of uplifting anthems both underground gems and timeless classics. Let the energy flow and the nostalgia hit hard. Tracklistings 01.Randy Katana - Silence (Omar Sherif Remix) [SilverBeatz] 02.Commander Tom - Are Am Eye (John Askew Remix) [Noom Records] 03.Giuseppe Ottaviani - Through Your Eyes [Vandit] 04.O'Callaghan & Kearney - Exactly [Discover] 05.Simon Patterson - Latika [Night Vision] 06.Matt Darey pres. Lost Tribe - Gamemaster (Lightform Remix) [White Label] 07.Chakra - Home (Above & Beyond Remix) [Armada Music] Hello Trance Sharing Our Passion For The Music https://hellotrance.com https://www.instagram.com/hellotrance https://www.facebook.com/groups/hellotrance Subscribe to our channel https://www.youtube.com/@HelloTrance2.0
Community Prayer and Encouragement
Community Prayer and Encouragement
Isaiah 12:1-14:32, 2 Cor 13:1-14, Ps 57:1-11, Pr 23:9-11
Sep 12, 2025 – Curious about the current state of the markets, global money supply, and what could be next for the US dollar, gold, and silver? In this in-depth interview, Financial Sense Wealth Management's CIO, Chris Puplava, breaks down...
In this engaging conversation, Sebastien Lagree shares his journey from a young bodybuilding enthusiast to the founder of Lagree Fitness, a revolutionary method that combines elements of Pilates with high-intensity training. He discusses the evolution of his fitness equipment, the unique licensing model that has propelled his business, and the diverse community that has embraced his method. Sebastien emphasizes the importance of innovation, the challenges of global expansion, and his vision for the future of fitness technology. Here are some key takeaways from the conversation:
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Isaiah 10:1-11:16, 2 Cor 12:11-21, Ps 56:1-13, Pr 23:6-8