Podcasts about GP

The hosts unpack AI's asteroid-like disruption—Anthropic's explosive enterprise growth outpacing OpenAI, Pentagon clashes over safeguards, and agentic revolutions from OpenClaw to meat puppets—urging agile evolution amid sovereign AI summits and trillion-dollar forecasts. Get notified once we go live during Abundance360: https://www.abundance360.com/livestream  Get access to metatrends 10+ years before anyone else - https://qr.diamandis.com/metatrends   Peter H. Diamandis, MD, is the Founder of XPRIZE, Singularity University, ZeroG, and A360 Salim Ismail is the founder of OpenExO Dave Blundin is the founder & GP of Link Ventures Dr. Alexander Wissner-Gross is a computer scientist and founder of Reified – My companies: Apply to Dave's and my new fund:https://qr.diamandis.com/linkventureslanding      Go to Blitzy to book a free demo and start building today: https://qr.diamandis.com/blitzy   _ Connect with Peter: X Instagram Connect with Dave: X LinkedIn Connect with Salim: X Join Salim's Workshop to build your ExO  Connect with Alex Website LinkedIn X Email Substack  Spotify Threads Listen to MOONSHOTS: Apple YouTube – *Recorded on February 27th, 2026 *The views expressed by me and all guests are personal opinions and do not constitute Financial, Medical, or Legal advice. Learn more about your ad choices. Visit megaphone.fm/adchoices

We chart how AI leapt from chat to code, why product is now the leverage point, and how startups can market to algorithms without losing trust. David Yakobovitch shares hard-won views on moats, data, defense tech, and the immigrant energy powering American dynamism.• leaders and market share across Google, OpenAI, Anthropic• vibe coding benefits, code quality risks, review loops• prompt libraries, agent swarms, PRD automation• weekly shipping pace and the SaaS squeeze• marketing to algorithms, buyer agents, bot traffic control• pilot to production gap, rise of forward-deployed engineers• moats beyond models via domain, workflow, and proprietary data• China's progress, open source, and on-device AI bets• defense tech, swarms, and physical AI opportunities• endurance mindset, yoga discipline, and founder stamina• personal workflows across Gemini, Claude, and OpenAI• investing across seed and growth with outcome focusThe model wars aren't theoretical anymore—they're shaping how software gets built, shipped, and sold. We sit down with David Yakobovitch, GP at Data Power Capital and former global product lead at Google, to map where AI is actually working in 2026: vibe coding that shrinks teams, agent swarms that harden quality, and product-led moats that outlast model churn. David pulls back the curtain on how Claude, OpenAI, and Google now compete neck and neck on code and content, why prompt engineering as a job vanished while prompts became more valuable, and how forward-deployed engineers bridge the stubborn pilot-to-production gap that has haunted data projects for a decade.We explore go-to-market in a world where buyer agents screen your pitch before a human blinks. That means structuring materials for machines, tuning sites for humans and crawlers, and building demos that agents can evaluate safely. We also go into what happens as models commoditize: the moat shifts to domain depth, proprietary offline data, secure connectors, and measurable workflow outcomes. From small language models running on CPUs in air‑gapped containers to Apple's on-device bet, the edge is back—especially for Europe's sovereignty demands and public sector buyers.Then we widen the lens. Defense and “physical AI” blend hardware and autonomy: swarms, hypersonics, and resilient edge compute that must perform in the real world. David shares why he's backing both the silicon and the software, and how American dynamism—powered by immigrants and impatient builders—remains a durable advantage. Along the way, we trade notes on multi-model workflows, open source momentum, China's narrowed gap, and the endurance mindset that carries teams through the disappointment dip after the first shiny demo.David Yakoboitch: https://www.linkedin.com/in/davidyakobovitch/David Yakobovitch is a General Partner and Managing Director of DataPower Capital, a New York City-based venture capital firm investing across Applied AI, Inference Infrastructure, and DeepTech.  With a portfolio of over 36 companies, David is an investor in the most defining frontier technology firms of our era, including OpenAI, Anthropic, xAI, Neuralink, DataBricks, Groq, Cruesoe, Anduril and SpaceX. David is a leading voice as the host of HumAIn, a podcast focused on Applied and Responsible AI.  Previously, David served as a Global Product Lead aWebsite: https://www.position2.com/podcast/Rajiv Parikh: https://www.linkedin.com/in/rajivparikh/Sandeep Parikh: https://www.instagram.com/sandeepparikh/Email us with any feedback for the show: sparkofages.podcast@position2.com

Dopo la grande paura dei tre gol del Jagiellonia, la Fiorentina tira un sospiro di sollievo e attende il Rakow agli ottavi di Conference League. Dai sorteggi di Nyon, da segnalare soprattutto il derby italiano Roma-Bologna in Europa League e Atalanta-Bayern Monaco in Champions. Ecco le uniche speranze italiane in Europa, mentre Inter e Juventus restano a leccarsi le ferite e pensano una allo scudetto, l'altra ai rinnovi (Spalletti in primis) per mettere le basi della prossima stagione. Di tutto questo parliamo con i convocati Nando Orsi (talent Sky Sport), Max Nerozzi (Corriere) e Benedetto Ferrara (La Nazione). Intanto, il Motomondiale riparte con il primo GP in Thailandia e una Ducati che ancora promette battaglia alle altre scuderie. Ne parliamo con l'eterno Carlo Pernat.

In his new book, Climate Porn, journalist Kevin Mooney explains how false research and propaganda are threatening scientific research and American freedom., GP shooting, your thoughts and opinions on other topics.

Oggi a Sanremo i duetti. Valerio Gori marketing manager dell'Atletico Madrid ci racconta il Fanta-Sanremo della squadra spagnola. Levante e il suo amore per le Hole di Courtney Love. Vanessa Ciriaco per la giornata mondiale delle malattie rare. Guido Meda sul moto Gp dalla Thailandia. Aldo chiude la settimana con un omaggio a Sanremo.

ReferencesSCIENTIFIC REPORTS 2016 | 6:34594 | DOI:10.1038/srep34594 Seminars in Immunology 2025. V. 78,Jun, 101954Front Immunol. 2025 Jan 8:15:1515715Telemann, GP. 1735. Sinfonia Spirituosa TWV 40&50https://open.spotify.com/album/2nJX3LIjdAbNIGR3qbQaBI?si=VF-7aHcBS_qOkEsl34LdKQ

What exactly are LPs buying when they allocate to venture today and do they still believe in it?In this episode, Andreas sits down with Max Bray and Juliet Bailin, both Venture Partners at Kindred Capital VC to unpack what's really happening beneath the fundraising headlines.Max brings the raw perspective of trying to raise a first-time fund in 2025 with unicorn-founder GPs, strong angel track records, and still struggling to secure second meetings.Juliet brings the sharper counterpoint: LP frustration isn't always ignorance. Sometimes it's a rational response to how venture has been practiced, especially around transparency, liquidity discipline, and the unrealistic expectation that a GP should be world-class at everything.This is a conversation about:LP behavior in uncertain cyclesThe myth of the “full-stack investor”Why solo GP economics are brutalWhether software still needs ventureAnd why the fund model is splitting at the extremesNot hot takes. Not doom.Just honest mechanics.ShareWhat's Covered:01:04 Max's 2025 fundraising reality: even strong “on-paper” stories struggle to get second calls03:46 LP rotation: capital moving toward liquidity, security, and shorter-duration bets05:08 LP frustration: transparency gaps + liquidity decision-making07:09 LPACs as sparring partners, not governance theatre09:31 Europe's structural issue: too few LPs and GPs have lived full cycles12:47 The “full-stack investor” myth: investing + fund management + compliance + IR14:46 Solo GP economics: why 2/20 breaks at the small end26:08 The barbell thesis: platforms on one end, specialists on the other27:56 Software defensibility compression in the AI era30:24 Will AI decentralize outcomes — or centralize them further?33:10 The rise of AI roll-ups and alternative capital models35:19 The “middle-market squeeze” — real or overhyped?39:34 What founders actually care about when choosing a fund

In this episode of the Major League Real Estate Podcast, Thomas Castelli shares the full story of his journey, from attending local RIAs and investing as an LP, to joining the GP team on an 82-unit apartment complex, navigating hurricane due diligence, raising capital under pressure, and exiting during the chaos of COVID in 2020. But that's not all. Tom also opens up about: - The hardest lesson he learned about capital raising - Why most new GPs underestimate the importance of investor relationships - What changed in the syndication world since 2017 - The risks LPs don't think about (until it's too late) - How a failed ATM investment reshaped his investing philosophy -,Why experience matters more than ever in today's market For GPs raising money, LPs evaluating risk, or investors entering the syndication space, this episode shares practical, experience-backed insights. Request a free discovery meeting: go.therealestatecpa.com/mlre Subscribe to the REI Daily Newsletter: go.therealestatecpa.com/mlresubscriber Get the Ultimate Guide for Real Estate Syndications: go.therealestatecpa.com/mlreultimateguide Submit your questions to: contact@therealestatecpa.com The Major League Real Estate podcast is for general information purposes only and is not intended to provide, and should not be relied on for, tax, legal, investing, financial, or accounting advice. Information on the podcast may not constitute the most up-to-date legal or other information. No reader, user, or listener of this podcast should act or refrain from acting on the basis of information on this podcast without first seeking legal and tax advice from counsel in the relevant jurisdiction. Only your individual attorney and tax advisor can provide assurances that the information contained herein – and your interpretation of it – is applicable or appropriate to your particular situation. Use of, and access to, this podcast or any of the links or resources contained or mentioned within the podcast show and show notes do not create a relationship between the reader, user, or listener and podcast hosts, contributors, or guests. Any mention of third-party vendors, products, or services does not constitute an endorsement or recommendation. You should conduct your own due diligence before engaging with any vendor.

GP opens on the Grizzlies getting blasted by the Warriors last night + Darius Acuff looking the part of a lottery pick in Arkansas' win. (22:50) Mike Wallace joins to talk Grizz and more(56:50) Memphis v Wichita State tonight, UCONN blasts St. John's, Cincy suing former QB, Cardi B went crazy on SNL set, and Metallica is coming to the Sphere. (1:46:40) GP's Carry Out 

AI is transforming the world—but is it transforming privacy for better or for risk? We trust our GP with our deepest secrets, but can we extend that same trust to AI-powered systems and cloud-based suppliers? And if AI can re-identify people even in anonymized research data, is “anonymous” still real anymore? In this episode, Punit Bhatia and Tania Palmariellodiviney reveals how AI tools reshape confidentiality, integrity, availability, cloud sprawl, supplier risk, clinical transcription accuracy, re-identification, and even personal fears like voice-based deepfakes. The voice of experience rings clear: digital trust isn't a checkbox…it's engineered early with transparency, responsible data use, privacy by design, and safety by design. 

What if your practice didn't have to compete at all? Are you operating your practice inside some crowded market assumptions that you've never questioned? What would it look like to […] The post Journey to Growth: Blue Ocean in Action (Part 1) | GP 316 appeared first on How to Start, Grow, and Scale a Private Practice | Practice of the Practice.

On this episode, Pete and Julie share their POV's and insights on recent global payroll and EOR marketplace updates and activity making headlines to kick off 2026!   Pete and Julie share their thoughts on recent events, including Dayforce SKO, Strada Global SKO, Papaya Global's 2030 Workforce Summit, and ADP ReThink in Prague.  Additionally, they discuss several product updates and acquisitions and what it means for buyers and providers of global EOR and global payroll.  Vendors mentioned in the episode include ADP, Boundless, Dayforce, Deel, EOS, G-P, Hitekers Omnipresent, Papaya Global, Payoneer, Remote, SKAUD, and Strada Global.  Links mentioned on the show: Pete's Post from the AI workshop in Prague: https://tinyurl.com/ypzupj62 Pete's Post on Global EORs acting like teenagers: https://tinyurl.com/5n6xb2sz  Pete's Payroll Influences Blog on ADP ReThink:  https://www.payrollinfluences.com/post/adp-rethink-event-recap-adp-turns-75  Pete's series on the future of EOR: https://www.globalization-partners.com/blog/evolution-global-eor-as-strategic-growth-engine/  Papaya Global's 2030 Workforce Summit: https://papayaglobal.com/go/event/2030-workforce-summit-recap/ Connect with the show: LinkedIn:  http://linkedin.com/company/hr-payroll-2-0 X: @HRPayroll2_0  X: @PeteTiliakos  X: @JulieFer_HR BlueSky: https://bsky.app/profile/hrpayroll2o.bsky.social  YouTube: https://www.youtube.com/@HRPAYROLL2_0    WRKDefined Podcast Network: https://wrkdefined.com/podcast/hr-payroll-20 Thank you to our marquee sponsors for powering the HR & Payroll 2.0 podcast forward!  G-P ‘Globalization Partners': https://www.globalization-partners.com/ OneSource Virtual: https://hubs.ly/Q03YFNR90 Zoho: https://www.zoho.com/press.html Thank you to our ‘wizard behind the curtain' and show producer Ryan Kielma: https://www.linkedin.com/in/ryan-kielma/

The hosts spotlight Alpha Schools' exponential leap: AI mastery academics in 2 hours daily - top 1% SATs - plus life skills workshops to thrive in an AI world. With CEO Mackenzie Price and principal Joe Lamont, they dismantle failing systems for a 10X future. Get access to metatrends 10+ years before anyone else - https://qr.diamandis.com/metatrends   Learn about Alpha School: https://alpha.school/  Peter H. Diamandis, MD, is the Founder of XPRIZE, Singularity University, ZeroG, and A360 MacKenzie Price is the co-founder of Alpha School Joe Liemandt is principal at Alpha School Salim Ismail is the founder of OpenExO Dave Blundin is the founder & GP of Link Ventures Dr. Alexander Wissner-Gross is a computer scientist and founder of Reified – My companies: Apply to Dave's and my new fund:https://qr.diamandis.com/linkventureslanding      Go to Blitzy to book a free demo and start building today: https://qr.diamandis.com/blitzy   _ Connect with Peter: X Instagram Connect with Dave: X LinkedIn Connect with Salim: X Join Salim's Workshop to build your ExO  Connect with Alex Website LinkedIn X Email Substack  Spotify Threads Connect with McKenzie X Instagram Linkedin Connect with Joe X  Linkedin Listen to MOONSHOTS: Apple YouTube – *Recorded on December 9th, 2025 *The views expressed by me and all guests are personal opinions and do not constitute Financial, Medical, or Legal advice. Learn more about your ad choices. Visit megaphone.fm/adchoices

This episode is a deep dive into the new 2026 guidelines on type 2 diabetes, applying the guidelines to various case-based scenarios. Zero to GP podcast: https://www.buzzsprout.com/2590332Zero to GP YouTube channel: https://www.youtube.com/@ZeroToGPZero to AKT course: https://zerotofinals.com/courses/zerotoakt/Books: https://zerotofinalsshop.com/

In this episode, Ashley shares her decade-long journey with HA from losing her cycle during an eating disorder in college, to being reassured by doctors that it was “normal” and nothing to worry about.She was praised for her low weight. Told to eat 1,800 calories. Advised to go on birth control if that didn't work.At one point, she was even misdiagnosed with type 2 diabetes due to an elevated A1c, which pushed her into more restriction, only to later discover she was severely anemic from malnourishment, falsely elevating her labs.After joining our FREE Recovery Bootcamp, she finally had the tools to fully commit and recover on her own.In this episode, we cover:The subtle behaviors that kept her stuck (even when she thought she was "all in")The comfort zone disguised as “healthy habits”How validation from her GP reinforced the problemUsing FAM to objectively track progressThe discomfort of real recoveryHer biggest regret: waiting so longIf you're hovering in half-in recovery, told you're “fine”, know deep down you're not doing everything…This one is for you.Jool Wellnesshttps://joolwellness.comHHAP Period Recovery Mastermindhttps://www.holistichapractitioner.com/mastermindJoin The HA Societyhttp://thehasociety.com/joinWork 1:1 with us to get your period backhttp://thehasociety.com/coachingVisit us on YouTubehttps://youtube.com/c/danisheriffFollow us on IGhttp://instagram.com/thehasocietyhttp://instagram.com/danisheriffhttps://instagram.com/ashley_marie_smith_https://www.instagram.com/itsmishigarcia/https://www.instagram.com/abbylowekey/The Content is not intended to be a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of your physician.Support this podcast at — https://redcircle.com/the-hypothalamic-amenorrhea-podcast/donations

GP opens on Draymond and the Warriors being in town to take on the Grizzlies tonight + a nice message about Memphis from a former Grizzly. (20:24) Chris Vernon joins to talk Grizz and more(1:06:36) Big night in College Basketball last night (1:31:30) GP's Carry Out 

On today's Ask Us Anything episode of The Therapy Crouch, Abbey, Peter and Ross dive head-first into your juiciest dilemmas – and this one gets heated.We hear from a newlywed struggling with intimacy after anxiety medication kills his wife's sex drive, sparking an honest conversation about desire, frustration and when it's time to get professional help.Then things really kick off as Abbey reacts to a listener who went through her partner's phone and found bikini pics, pub messages and lads' group chat behaviour that crosses the line. Is it just “boys' banter”… or is it borderline cheating?From trust, boundaries and when sorry just isn't enough, to iconic football songs and questionable swimming chat, this episode has everything.If you want to submit an Agony Ab to the podcast – hit the link below.https://docs.google.com/forms/d/1rAKDST4HU_8al_aWpOlys3TRJrWvDV-84piVdlOOjU4/edit00:00 – Intro, ropey voices & “bleed Therapy Crouch”01:20 – Cameras down throats & medical horror stories02:00 – Nicknames chat begins (Matalan, Motion Sensor Light, Curly Whirly)04:16 – Agony Ab 1: Newlyweds, anxiety meds & no sex06:20 – “Turbo vs handbrake” & fantasy conversation gets awkward07:40 – Why fantasising about people you know is dangerous09:12 – GP advice & “above our pay grade” moment10:14 – YNWA vs Delilah – which song hits harder?12:05 – Agony Ab 2: Went through his phone… found bikini pics13:25 – Pub messages, group chats & “men need to grow up”14:19 – “That's borderline cheating” & breaking trust15:49 – When sorry isn't enough & healing takes time16:42 – Final verdict: dump him or set hard boundaries17:00 – Hot toddy, swimming & gun show jokes18:12 – OutroTo contact us:Email: thetherapycrouch@gmail.comInstagram: https://www.instagram.com/thetherapycrouchpodcast/TikTok: https://www.tiktok.com/ @thetherapycrouchWebsite: https://thetherapycrouch.com/For more from Peterhttps://twitter.com/petercrouchFor more from Abbeyhttps://www.instagram.com/abbeyclancyOur clips channelhttps://www.youtube.com/channel/UCZntcv96YhN8IvMAKsz4Dbg Hosted on Acast. See acast.com/privacy for more information.

This week on For The Love Of MotoGP:Tim and Steve dive into the latest news and rumours from the world of MotoGPTalking points for this episode include:- Philip Island :(- Silly season- How everyone looks after testingEnjoy the show!DiscordPatreonMotoGP Fantasy League Or use code: FVE2J0H5You can also find us on Instagram @fortheloveofmotogp or you can reach us by email at fortheloveofmotogp@gmail.comReference material for this episode came from: https://www.motogp.com/ | https://www.the-race.com/ | https://www.wikipedia.org/ | https://oxleybom.com | Thanks for listening!

Reporter, Barry Gallagher speaks to Doctor Brian King, owner of Drumcondra Medical, about the challenges GPs currently face. Pádraig Rice, Social Democrats Health Spokesperson and TD for Cork South Central, on the party's Private Members' motion on how to tackle Ireland's GP crisis.

Blood cancers are the fifth most common group of cancers in the UK. But for a small number of people, the condition may have an inherited genetic cause.  In this episode of Behind the Genes, we explore the role of genetics in blood cancer, and what an inherited risk means for patients and their families. Our guests explain what blood cancer is, how inherited factors can increase risk, and why multidisciplinary teamwork is key to supporting families. They also look ahead to future advances, from whole genome sequencing to prevention trials.  Our host Amanda Pichini, Clinical Director at Genomics England, is joined by:  Dr Katie Snape, Principal Clinician at Genomics England and Consultant Cancer Geneticist  Bev Speight, Principal Genetic Counsellor Dr Sarah Westbury, Consultant Haematologist “By doing whole genome sequencing we get all of the information about all of the changes that might have happened, we know whether any are inherited, but importantly, we're certain of the ones that have just occurred in the cancer cells and can help guide us with their treatment.”  You can download the transcript or read it below. Amanda: Hello, and welcome to Behind the Genes.  Sarah: When we think about blood cancers, it's a whole range of different conditions and when you talk to patients who are affected with blood cancers or are living with them, their experiences are often really different from one another, depending in part on what kind of blood cancer they have.  We also know that blood cancers affect not just the cell numbers but also the way that those cells function, and so the range of symptoms that people can get is really variable.  Amanda: I am your host, Amanda Pichini, clinical director at Genomics England and genetic counsellor.  Today I'll be joined by Dr Katie Snape, principal clinician at Genomics England and a consultant cancer geneticist in London, Bev Speight, a principal genetic counsellor in Cambridge, and Dr Sarah Westbury, and haematologist from Bristol.  They'll be talking about blood cancers and the inherited factors that increase blood cancer risk.  If you enjoy this episode, we'd love your support, so please subscribe, rate and share on your favourite podcast app.  Let's get started.  Thanks to everyone for joining us today on this podcast, we're delighted to have so many experts in the room to talk to us about blood cancer.  I'd love to start with each of you introducing yourself and telling us and the listeners a little bit about your role, so, Sarah, could we start with you?  Sarah: Sure.  It's great to be here.  My name's Sarah Westbury, and I'm a consultant haematologist who works down in Bristol.  And my interest in this area is I'm a diagnostic haematologist so I work in the laboratories here in the hospitals, helping to make a diagnosis of blood cancer for people who are affected with these conditions.  And I also look after patients in clinic who have different forms of blood cancer, but particularly looking after families who have an inherited predisposition to developing blood cancer.  And in the other half of my job, I work as a researcher at the University of Bristol.  And in that part of my job, I'm interested in understanding the genetic basis of how blood counts are controlled and some of the factors that lead to loss of control of those normal blood counts and how the bone marrow functions and works.  Amanda: Thank you.  That's really interesting, we'll be looking forward to hearing more about your experience.  Bev, we'll come to you next.  Bev: Thank you.  Hello everyone, I'm Bev Speight, I'm a genetic counsellor, and I work at Addenbrooke's Hospital in Cambridge.  I work with families with hereditary cancers in the clinical genetic service, and for the last six years or so have been focused on hereditary blood cancers.  So we've been helping our haematologists across the region to do genetic tests and interpret the results, and then in my clinic seeing some of the onward referrals that come to clinical genetics after a hereditary cause for blood cancer is found.  I'm also part of the Council for the UK Cancer Genetics Group.  Amanda: Thank you, Bev.  And Katie, over to you.  Katie: Hello, I'm Katie Snape.  I'm a genetics doctor and I am a specialist in inherited cancer.  So we look after anyone who might have an increased chance of developing cancer in their lifetime due to genetic factors.  I am the chair of the UK Cancer Genetics Group, so that's a national organisation to try and improve the quality of care and care pathways for people with inherited cancer risk in the UK.  And I have a special interest in inherited blood cancers through my work at King's College Hospital, I work in the haematology medicine service there seeing individuals who might have or have been diagnosed as having an inherited component to their blood cancers.  So it's great to be here.  Amanda: Excellent, thank you for those introductions.  I'd like to then dive right in and understand a little bit more about blood cancers.  So, Sarah, could you tell us a little bit more about what blood cancer is?  Sarah: Yes, sure.  The term blood cancer is used to describe a whole range of different kinds of cancer, all of which affect some part of the blood or sometimes parts of the immune system that kind of gets represented as part of the blood.  So it's really describing a big group of conditions rather than one single kind of condition or entity itself.  But like any form of cancer, we understand blood cancers as being conditions where because cells as part of the blood system are rapidly dividing and normally doing so under really well controlled circumstances to produce just the right balance of blood cells and just the right number of those cells.  In a cancer affecting those cells, we see that that loss of control results in either too many of one type of blood cell being produced or too few, or that balance being lost.  And like any form of cancer, this is because of genetic changes that happen in individual cells that then go on to grow in a way that is not controlled and well regulated.    And because when we talk about blood cancer we're talking about such a wide range of different kinds of cancer affecting different cells within that blood system, there's a really wide range of different conditions.  From conditions that we might think of as being like a form of acute leukaemia, so something that produces often symptoms and signs in patients very quickly and they can often feel quite unwell quite soon and then get picked up with having this condition because they present feeling unwell.  All the way to chronic and slow growing cancers that can be found completely by chance and serendipity when blood tests are done for other reasons.  So when we think about blood cancers, it's a whole range of different conditions.  And when you talk to patients who are affected with blood cancers or are living with them, their experiences are often really different from one another, depending in part on what kind of blood cancer they have.  We also know that blood cancers affect not just the cell numbers, but also the way that those cells function.  And so the range of symptoms that people can get is really variable, again depending on which of the blood cells are really affected by that.  And it may be that during the course of some of the conversations we have today in this podcast, we'll perhaps focus on particular kinds of blood cancer.  But like any cancer, it's that disruption of the normal growth and development of cells that means that the number and function of those blood cells has been disrupted in some way.  Amanda: Thank you so much for explaining that, Sarah, that's really helpful.  In terms of across the range of blood cancers, is that something that people can get at any age, and how common is it?  Sarah: It does depend, as we were sort of talking about that really wide range of different disorders that make up that group of blood cancers.  And individually each of those blood cancers is reasonably uncommon compared to cancers that we might typically think of, like breast cancer or colon cancer.  But actually, if you group blood cancers together, they make up quite a sizeable proportion, and they're actually as a group the fifth most common form of cancer that's diagnosed in people in the UK.  In adults in particular we think that perhaps people diagnosed with leukaemia would make up about 3% of the new diagnosis of cancer made in any year.  Amanda: So coming to you, Bev, when we talk about inherited blood cancers, what are the differences between those and blood cancers more generally?    Bev: So at point of diagnosis, it may not be obvious that somebody with a new blood cancer diagnosis is one of the minority of people in that big group as Sarah has described, who has an inherited cause.  So it may not be immediately obvious.  However, in the last few years certainly, it's become more and more routine to do quite broad genetic testing.  Often on a bone marrow sample or blood, because that is done looking for genetic changes, which are part of all cancer and we find within cancer cells, that can help with treatment planning.  It can also find that there is an inherited cause to that new blood cancer diagnosis.  Sometimes that might not be clear cut, sometimes that might be inferred from the genetic tests that are done on the blood or the bone marrow. And the proportion of blood cancers in that huge group which do have an inherited cause is fairly small, the actual proportion will depend a bit on the age of the patient and the specific subtype of blood cancer.  Amanda: Okay, and could you talk us through how some of those inherited genetic factors can increase the chance of a person developing blood cancer, how does that work?  Bev: Yes, so if we know that there is an inherited cause for blood cancer, then what we mean by that most of the time is that a change in a single gene has been found.  And that there is enough research evidence and enough known about that specific change in that gene to say to the person who's been diagnosed, there is at least in part or perhaps a full explanation for why that blood cancer has developed and this could be shared in the family.  So at that point it's information that not only has implications for the person in treatment, but also their relatives.  Depending on what sort of gene alteration it is and which gene it's found in, there are different inheritance patterns, and that changes the sorts of information that we give about risks for relatives.  So for lots of the genetic tests that detect an inherited cause in adults when they're diagnosed, that's most often what we would call an autosomal dominant inheritance pattern.  Essentially that means you only need to have one gene alteration which is in that person's normal non-cancerous DNA inherited from a parent and can be passed onto a child.  And for people in the family who have inherited this one genetic change, then they are likely to be at increased risk of developing blood cancer.  Sometimes with particularly the children's blood cancers, if an inherited cause is found, it can be a different pattern, which we call autosomal recessive.  And that's where two gene changes are found and one has been inherited from each parent.  So parents might be what we call carriers and have one each just by chance, both have been passed onto a child who has developed blood cancer either in childhood or possibly later on, and that's the pattern we call autosomal recessive.  There are other inheritance patterns too.  The third one that we come across being X-linked, and so that has a gender component.  That's where there's a change on the X chromosome, women have two X's, and men have one X and one Y.  So sometimes with the X-linked conditions we're more likely to see the clinical signs of a condition in boys and men because they've only got that one X chromosome.  But those are less common in the context of talking about hereditary blood cancers.  Amanda: Thank you.  That's really helpful to understand.  So it sounds like you're saying that these forms of blood cancers that are caused by a single gene are relatively rare.  And also by having one of these changes, it's not a given that that person will develop a blood cancer, but it makes them more likely, and how likely that is might depend on the inheritance pattern or the type of condition.  Bev: That's right.  So what we're saying is it can give either part of full explanation for the blood cancer diagnosis, and it could confer a risk to family members, but that doesn't mean they definitely will develop it.  We're talking about an increased risk compared to the population risk.  Amanda: Right.  I can imagine for those families to some extent it might be helpful to know the underlying reason why they had that blood cancer, but again, that's just a small proportion.  So, Katie, could I come to you next?  What about the rest of all the blood cancers, how do they occur?  Katie: Yes, thanks, Amanda.  So most blood cancers will occur just by chance.  We also know that there are some environmental factors that can increase the risk of blood cancers, so, for example, serious radiation exposure, something like that.  What Bev has described is where there is this sort of quite rare condition where there is a kind of single gene that's really important for the blood cells in terms of keeping those control mechanisms that Sarah described.  And that's not working properly, which has increased the risk of a blood cancer.  But we also sometimes see some families where there is more blood cancer, or the same type of blood cancer in that family than we might expect by chance.  We think that's probably not due to a single high risk genetic factor, but might be due to kind of multiple lower risk genetic factors that are sort of shared by close family members and can add up together to increase the risk a little bit.  And we call that familial risk or polygenic risk.  We don't have a test for that at the moment.  We wouldn't offer usually any extra screening or testing to those families, but we would just suggest obviously family members are aware of any signs of symptoms of blood cancers and seek any advice if they're concerned.  But, you know, the majority of blood cancers are not due to genetic factors, and it's sort of environmental or chance or bad luck. Amanda: Okay, so it's clear that obviously blood cancer is almost an oversimplification, within that category there's so many different types, so many ways that it could happen in a person.  So, Bev, if we're dealing with that type of blood cancer that is inherited or has some heritability, can you tell us more about what that means for the family?  What kind of impacts do you see that having for them?  Bev: Yes, of course.  So clearly this is another layer of information that's often coming at a family during a time where somebody is often recently diagnosed with blood cancer of one sort or another and is having to take in a lot of information about treatment and all of the uncertainty and anxiety that goes with that.  So for this minority of patients and families where there is new information about an inherited cause, that needs conveying in a timely but sensitive way, bearing in mind what else is happening.  And for some people it can come as a major shock and really an additional burden at that time.  I think the reaction to that will of course depend on lots of factors.  And what we also see is that this question about a new cancer diagnosis of any sort, including blood cancers, can generate the question in people's mind, particularly if they've got children, about does this change the risk for relatives?  So sometimes this new information that, actually, there is an inherited cause is an answer to a question that families have already got.  And that might be because of what Katie's described as familial clustering, there might already have been this known history in the family. So sometimes this information can feed into that and actually be quite a helpful answer.  But it's quite normal for families to feel quite mixed about this and for different family members to have a different approach to it.  When there's the offer of what we would call predictive testing, if we found a change in a single gene in somebody with blood cancer which we're saying is a hereditary cause for that, that might open the door for relatives to access predictive testing.  I.e., the opportunity to discuss and possibly take up a genetic test for themselves when they haven't had cancer themselves, but there's an opportunity to try and quantify whether or not they're at increased risk.  We know in families the uptake of those kinds of tests is different, and a lot of it is to do with timing and the way people respond to this in families might depend on their response to the cancer diagnosis in their relative, and of course what else is going on in their life at the time.  This aspect for the family is where clinical genetic services come in, because these initial tests in the person with blood cancer are done in their haematology/oncology setting, and normally the results about an inherited cause has been found are conveyed through that service.  That's when a referral to clinical genetics happens.  And in our specialist service we're addressing those additional concerns for the family which arise because of this diagnosis. Amanda: Thanks, Bev, for explaining that.  Sarah, coming back to you.  Could you tell me then if someone has an inherited blood cancer does it also change the way that the patient is treated? Sarah: Well, it certainly can do, and again, it does depend a little bit on the specific circumstances of that particular person and the form of inherited blood cancer predisposition that they have.  But certainly if we think about treatment as a whole, then for a lot of people it does affect the way that we might recommend treatments or look after them and their families.  So, for example, for some patients who have a diagnosis of an inherited form of blood cancer, we know that some treatments might be more or less effective for their particular set of circumstances.  And so that can sometimes influence the specific treatment recommendations that we would make, particularly thinking about, for example, the risks that the cancer might come back again after it's been treated.  Or thinking about whether or not some of the typical drug regimes that might be used might be perhaps more likely to cause them side effects or problems with tolerating that treatment.  So it can certainly make some changes in that respect. For some people, to be fair a minority of people with blood cancers, they may need a stem cell transplant as part of their treatment to hopefully cure them of their blood cancer.  And this as I say is a treatment that's required for a minority of patients as a whole who have a diagnosis of a blood cancer.  But for those people who have got an inherited predisposition and who might be recommended a stem cell transplant as part of their treatment, then knowing about a familial risk for this condition can also be really important.  For making sure that if a family member is being considered as a donor for example that we're being really careful to make sure that we're not choosing a donor that might also be affected by the same underlying blood cancer predisposition.  Because this can obviously cause problems for the person that's receiving the stem cells if it turns out that the person they're receiving them from actually has the same inherited condition as them.  So in that respect knowing about the underlying predisposition and genetic cause for their cancer can be helpful.  But in a more sort of general sense, yes, the other thing that it can have a big difference for is that some of these inherited cancer predispositions and syndromes also have other health conditions associated with them.  So it might be that that genetic diagnosis predisposes somebody not only to a form of blood cancer but to other health conditions as well.  And so actually knowing about that diagnosis can help their haematologist then make sure that they're linked in with the right other medical teams to make sure that those other health conditions are identified if they're present and taken care of.  And then I think really coming back to what Bev has already touched on, there's the sort of bigger picture of just how people are looked after in their own right but also as part of their family unit.  And making sure that they're given the right information and advice about their health, but also thinking about other family members.  And particularly for younger patients who perhaps either are just starting their own families or for whom that's not yet a consideration, making sure that they've got the information to understand what might be relevant for future family members, if that makes sense.  So it's not necessarily true to say that for every individual patient knowing that there's an inherited blood cancer present will necessarily directly affect the way that the treatment is offered.  But you can see that as a part of a bigger picture for a lot of patients, it will make a difference to their care as a whole.  Amanda: And you can really see how the impact is very sort of multigenerational and is going to affect people at all ages and stages of their life, so that's really interesting.  Katie, Bev spoke a little earlier about the fact that there are genetic tests that can help tell us if blood cancer is inherited.  Could you tell us more about what the tests involve, and some of your experience taking families through this?  Katie: There's sort of two main different ways that we might identify somebody has an inherited cause for their blood cancer through testing.  So traditionally what has happened, as Bev and Sarah sort of discussed before, is that when a person is diagnosed with a blood cancer, we either take a sample of their blood or bone marrow.  To try and look at what are the changes within those cells that have driven that cell to become a cancer cell and have driven this blood cancer to develop.  And a lot of the time, as we've said, it's not inherited, it's not genetic, so they're what we call acquired changes, they're changes that have just happened in the bone marrow or to the blood cells that have caused that kind of particular cell to become a cancer cell.  And it's really important that we look at those because that can help both diagnose the blood cancer, it can give us information about how serious that blood cancer might be, and it can also help us guide our treatments and therapies.  And so if we do those testings, they're primarily done within haematology for those sort of diagnostic or prognostic or treatment purposes.  We do sometimes see then a change that looks a bit suspicious that it might be inherited for various reason.  And if we see something that is in the cancer and it looks like there's a potential it could be inherited, we would go on and do a second test.  So usually because we can't do a blood test because the cancer's in the blood, we would take a skin biopsy.  And then we would look and see, well, is this change also present in the skin?  And if it is, then that indicates that that change is in all of the cells of the body, because it's in both the blood cancer and it's in the skin, and therefore it's likely to be inherited.  So that's one thing that we do.  And I think that that can be quite challenging for patients.  Because they go in to have a test for their blood cancer and then suddenly were being told, “Well, actually, we've also found something that might be inherited,” and it is something then that other members of the family might have.  And as Sarah said, potentially that means that even if your relative was offering to be a bone marrow donor for you, they might not be able to if they also carry the same thing.  And so that can be quite tricky just in terms of making sure that we're guiding the patient and their family members through that process.  And then thinking about the work that Genomics England does, particularly with whole genome sequencing, and this is particularly offered for children and young adults in the paediatric setting.  But I think we're also increasingly, as we progress we'll perhaps talk about this a bit, moving towards whole genome sequencing for adult blood cancers more routinely as well, that that is offered as a sort of standard of care.  And what whole genome sequencing is, is it is looking at the entire genetic instruction manual in both the blood cancer cells and in the cells that we're born with, to look at the inherited or germline genome as well.  And the reason that we look at both the cancer cells and the inherited or germline genome is because what we're trying to understand is firstly, are there any inherited changes that have led to the blood cancer developing?  But also, what are the changes that have just occurred in the cancer cells that are going to help us to diagnose and treat that blood cancer?  So by doing whole genome sequencing we get all of the information about all of the changes that might have happened, we know whether any are inherited, but importantly, we're certain of the ones that have just occurred in the cancer cells and can help guide us with their treatment.  And so, again, when we're talking to patients, we have to explain to them that we're going to be looking at their entire genetic information.  And what's interesting about that is it might find things that are not only relevant to blood cancer, but very rarely other findings, incidental findings as well, or we might find things that we don't know about.  But I think certainly that's something that patients often feel very comfortable with having because it gives them the maximum amount of information.  Amanda: Thanks, Katie.  So it really sounds like there's a lot of advancements that are being made in genetic technology which potentially brings a lot of new things for you and Bev as genetic specialists, but also for you, Sarah, as a haematology specialist.  What does that kind of change for you, and I assume it's really important then for you all to be working together as a multidisciplinary team?  Katie: Yes, I mean, I think for clinical genetics, we were not involved in sort of haematology pathways for a really long time, and the haematologists are absolute experts in the genomic factors that drive blood cancers.  And certainly in my practice, it's really only been as the technology advanced that we really started finding more and more of these inherited factors, particularly in the adult setting.  Because I think in the paediatric and childhood setting, the haematologists again have been managing those conditions very well for years.  And I think there's places that we really interface and we really need to work together as a multidisciplinary team, understanding the genetic information, really understanding when something that we've seen in the blood cancer or the bone marrow could be inherited.  Do we need to check that?  What should that pathway look like?  But I think as you've said, a lot of these are actually really quite new conditions, particularly in the adult setting.  And we don't yet 100% know why do some people get blood cancer and some people don't when they have the same inherited factor.  What's the actual risk?  Are there any other factors modifying it?  What makes some people progress to develop a blood cancer and some people not?  And for that we really need to work together to try and gather the data and sort of capture people that have these inherited changes.  And hopefully develop a system and an infrastructure that we can follow it long-term and get a lot of information about long-term outcomes, both for individuals with cancer but also their families.  And also from looking at doing population studies.  Because I think we know that lots of people in the general population might carry some of these inherited changes and never develop a blood cancer as a result of this, certainly ones that seem a bit lower risk.  So we really need to work together to understand all of that.  But I'd be really interested in Sarah's views on that as well.  Sarah: Yes, sure.  So I think, as you say, Katie, haematologists have got a long history of understanding and interpreting genetic findings in the sort of acquired or somatic changes that we know are what occurs in some blood cells to drive the cancer forming in the first place. But this kind of newer integration of that with the germline testing is something that is becoming much more mainstream in haematology now, and I think something that people have had to sort of acquire new skills in this area to interpret that alongside.  I think as you say, that multidisciplinary working, where we're able to benefit from both sides of our expertise and knowledge and put that together is so valuable, particularly in those circumstances where there is some uncertainty.  And I think as a haematologist, one of the things that I really find a benefit both personally and professionally to help me navigate these tricky questions but that I also think patients benefit from is your expertise and ability to have those really quite tricky conversations with people who are not haematology patients, if that makes sense.  So they may be the relatives of patients who have a haematological diagnosis for example.  Who at the moment are entirely well and were just going about their daily business, and they're now told that they may or may not potentially have this inherited predisposition.  And I think that as haematologists, we're very used to dealing with potentially quite poorly patients, potentially quite scared patients who find themselves, you know, the recipient of all this quite difficult information.  But we're not necessarily so skilled and experienced at holding conversations with people who don't yet have that diagnosis.  And I think that that's a really rich area of mutual aid to one another as haematologists and genetic doctors, if that makes sense.  And I think your points about understanding actually the real risks and the nature history, as we would call it, of what happens to people who carry these variants that predispose them to blood cancers is something that we can probably only work out by working together.  And of course, working with the patients and families that are affected by these conditions so that hopefully for both sides in the future we'll be able to give much better advice to patients and their families.  Amanda: So, Bev, from your experience and as a genetic counsellor, what do you feel are the important things that patients and their families should know as they're going through this testing and diagnosis process?  Bev: The things I think families where there is a hereditary cause found should know is that with this new information comes a whole new referral to a dedicated service.  Who want to help patients and their family members at risk to navigate this, to adjust the information, and to make decisions that fit with them, about whether to have testing and the timing of that.  As we already said, where there is a hereditary blood cancer risk, that risk in family members is rarely 100%.  Depending on what the hereditary predisposition is in the family, we may be able to quantify that risk, sometimes we can't always.  And the other thing to know which links to that is that there is growing interest in research in this area.  That will really help us to improve care in terms of, for example, being able to quantify the risk of developing a blood cancer in relatives who are perfectly well that may have inherited these predisposition gene changes.  Or, for example, the other obvious place where we want to make improvements in terms of some sort of evidence-based surveillance for those people who want to find out that they have inherited the genetic change and are at increased risk.  Amanda: Thank you.  And overall there's been a lot I think we've been covering today that's probably going to be very new to many people.  Why do you think it's important to raise public awareness of inherited blood cancers?  Bev: There have been lots of public awareness campaigns about other cancers, as listeners probably can think about, in terms of for women checking their breasts and breast cancer awareness.  And perhaps there's been a bit less of that in general for blood cancers.  As we've already talked about, clinical genetics were not so involved in all of the genetic testing happening in blood cancers.  Because it wasn't so long ago in the history of how we think about inherited cancers in general that our suspicion of inherited causes in leukaemia was much lower than it is now.  So I think that awareness in the public probably will take a bit more effort to bring up.  But clearly public awareness about blood cancers in general, symptom awareness, and the fact that occasionally it can be something that is running in the family, clearly better public awareness of that means that people are empowered to ask the right questions.  And the questions that might already be in some way going through their minds of their haematology doctors or perhaps of their GP, if they've got a family history but are not affected themselves.  Amanda: Wonderful.  So, looking now to the future, Katie, what genomic advancements are we seeing or are we likely to see that could impact on the care of people with an increased genetic risk of blood cancer?  Katie: We touched a little bit, I think that whole genome sequencing is expanding.  And as we can turn that test around and get it back more quickly that might become more commonplace.  And I know Genomics England and the UK Haemato-oncology Network of Excellence have been doing a lot of work in that area.  We are very lucky now we have a national inherited cancer predisposition register that NHS England have set up with the National Disease Registration Service.  So that will enable us to capture individuals that have these sort of rarer but single gene disorders or conditions that increase the chance of developing blood cancers.  And that will enable us to do that sort of longer-term follow-up and get really more information.  We've touched on this already but I think there's really amazing research happening, why do some people develop blood cancers and some people don't, even though everyone carries the same underlying change that increases the risk?  And then I think really importantly, we're seeing now in some conditions, clinical trials of certain medications to see if that can actually prevent people who carry these inherited changes from progressing to developing blood cancers.  So I think all of those things are really exciting and will give us lots more information that we can then help patients and their families, particularly the sort of treatment and trials aspects.  Amanda: And, Sarah, on treatment and trials, how do think genomics might improve the treatment, but also the diagnosis of people with inherited blood cancers in the future?  Sarah: I think, you know, hopefully when we are able to accrue more information about these underlying genetic predispositions and how they actually then affect people's likelihood of developing blood cancer, we'll be able to build on what we have so far to make that just feel much more robust and evidence based.  And it feels like at the moment there are many of us struggling to bring together small threads of evidence that have been accrued in the UK but in other centres around the world that are also interested in understanding this inherited blood cancer risk.  In such a way that we can actually give patients and their families more clear information and advice about what that means to them.  And I think that in terms of the diagnosis of blood cancer, I think this is something that Bev alluded to.  If we could better understand who might benefit for example from having regular screening or monitoring blood tests performed to see whether we can detect an emerging blood cancer.  Versus identifying those people who actually, the chances of them developing a blood cancer are so small that doing those tests is likely to do them more harm than good.  Perhaps by just causing them to be anxious or have other sort of unintended consequences of that kind of testing.  So understanding something more about that natural history, as we've already alluded to, will hopefully improve our ability to go from the diagnosis of the predisposition condition to working out how to then diagnose the blood cancer on the back of that.  And with time, I think as Katie has alluded to, thinking about more specific treatments and more tailored treatments to the individual predisposition condition and the blood cancer.  So whether it's that you're intervening before the blood cancer has developed to try and reduce that happening, or whether it's that you're then treating the blood cancer after it's developed.  Understanding the genetic basis and what it is that causes that transition would be really helpful and I think that is something that will come but will take time.  And I think on a sort of national level what I would really hope to see over time is that we're able to use that improvement in evidence base to then be able to bring together perhaps more defined patient pathways.  So that if you're diagnosed with a particular condition, one of these leukaemia predisposition syndromes or another form of blood cancer predisposition, there's a recognised strategy and set of steps that should be taken for all of those patients.  To make sure that they're getting equity of care and make sure that everything is being done in a way that feels safe, sensible and appropriate across the country.  While still then enabling us to give really personalised treatment to that individual person and what that diagnosis means for them.  But I think until we've gathered more information and more evidence we are just in the process of trying to do that to then bring about those changes.   Amanda: If you enjoyed today's episode, we'd love your support.  So please subscribe, share and rate us on wherever you listen to your podcasts.  I've been your host, Amanda Pichini.  This podcast was produced by Deanna Barac and edited by Bill Griffin at Ventoux Digital.  Thank you for listening. 

How social conditioning, perfection culture, and fear of judgment keep women small and what to do instead!

Marco Bezzecchi (con la migliore simulazione) e Ai Ogura chiudono la due giorni con le RS-GP davanti alle Ducati di MM e di Bagnaia. Tutti molto vicini. Acosta miglior KTM, poi le Honda. Il punto dell'ing sui valori tecnici in campo a una settimana dal primo GP e l'analisi sulle difficoltà (inaspettate?) in casa Yamaha. Nella cronaca dei due giorni spiccano le tre cadute di Marc Marquez (senza conseguenze), le esternazioni di Quartararo e le difficoltà di Toprak. Il V4 e il talento non bastano? Infine, il mercato per il biennio 27-28 è già nel vivo: Bagnaia verso Aprilia sembra già una certezza, poi Acosta in Ducati, Martin, Alex Marquez… Faremo il punto quando mancano soltanto le conferme ufficiali.Diventa un supporter di questo podcast: https://www.spreaker.com/podcast/dopogp-motogp-moto-it--4070022/support.

GP opens on the Grizzlies losing to the struggling Kings last night while future lottery picks Darryn Peterson and Kingston Flemings were going at it in Houston vs Kansas. (49:00) Penny's message to Tigers fans, Vince Williams Jr injured, potential NBA Finals preview took place last night, Mayweather/Pacquiao 2 ia happening, and the US Women's Hockey team will pass on the State of the Union event.(1:17:40) GP's Carry Out with what we're checking out tonight 

Origins host Beezer Clarkson,  LP at Sapphire Partners and co-founder of OpenLP, and Nick Chirls, GP at Asylum Ventures, dig into their recent conversation with Dan Gray, prolific venture writer and Research Lead at Odin. They discuss various levels of risk tolerance across the ecosystem – including who the data says can stomach more – whether GPs are giving up on founders earlier than they used to, and whether Dan's recent deep dive into changing LP behaviors matches anecdotal wisdom in the world of venture.Learn more about Sapphire Partners: sapphireventures.com/sapphire-partnersLearn more about OpenLP: openlp.vcLearn more about Asylum Ventures: asylum.vcLearn more about Odin: joinodin.comRead Dan's Writing on VC: credistick.comRead the Results of Dan's Survey: credistick.com/lp-2025For a monthly roundup of the latest venture insights, including the newest Origins episodes, subscribe to the OpenLP newsletter – delivered straight to your inbox: subscribe.openlp.vcCHAPTERS:0:00 Welcome to Origins0:44 Questioning Assumptions In Venture3:31 Does Having More Companies In Your Portfolio Increase Your Appetite For Risk?8:41 Nick's Risk ToleranceOrigins is produced by Sapphire Ventures in partnership with⁠⁠ Pod People.⁠Nothing presented herein is intended to constitute investment advice, and under no circumstances should any information provided herein be used or considered as an offer to sell or a solicitation of an offer to buy an interest in any investment fund managed by Sapphire Ventures, LLC (“Sapphire”). Any offer or solicitation of securities by Sapphire may only be made in accordance with the current offering documents for a managed Fund in which Sapphire is an advisor. Additionally, Sapphire does not solicit or make its services available to the public; such offerings may only be provided to accredited investors and qualified purchasers defined within the Securities Act of 1933 and the Investment Company Act of 1940. Information provided reflects Sapphire Ventures' views as of a particular time. Such views are subject to change at any point and Sapphire Ventures shall not be obligated to provide notice of any change. Due to various risks and uncertainties, actual events, results or the actual experience may differ materially from those reflected or contemplated in these statements. While Sapphire Ventures has used reasonable efforts to obtain information from reliable sources, Sapphire makes no representations or warranties as to the accuracy, reliability, or completeness of third party information presented herein. Nothing presented herein may be relied upon as a guarantee or assurance as to the future success of any particular investment opportunity or strategy. Past performance is not indicative of future results.

Sprague is back from his day off that didn't go quite like he had planned...he has a few thoughts to get caught up on regarding the USA Hockey Gold Medal and the Blazers interesting weekend...plus, with the minimum GP threshold now in the NBA...who are the realistic favorites to win MVP?

How does the Danish healthcare system really work? When should you call 1813? Can you get a second opinion? And what happens if you show up at the ER?In this episode of What Are You Doing in Denmark, Derek and Brooke welcome back Emma Grint, Dr. Mum-for-Kids, to answer your listener questions about healthcare in Denmark.We cover:Visitors' access to healthcare in DenmarkEmergency vs. non-emergency care (112 vs. 1813)How to get a second opinionChanging your GP (family doctor)Wait times and specialist referralsWhat's covered under universal healthcare in DenmarkMental health and psychiatry waitlistsPregnancy and birth in Denmark (midwife-led care, epidurals, C-sections)Patient advocacy in the Danish systemIf you're an expat or international living in Denmark, this episode will help you understand your rights, your options, and how to navigate the system with confidence.

In a market where “AI fund” can mean almost anything, Lumo Labs is unusually specific: digital deep tech, deployed early, and anchored in one of Europe's densest innovation clusters—Eindhoven, home of Philips' legacy and the High Tech Campus (“smartest square kilometer” energy).In this EUVC pitch episode, Andreas sits down with Andy Lurling, founder & GP of Lumo Labs, to unpack how an entrepreneur-turned-investor built a fund that's deliberately more than money: a structured support program, deep technical selection, and a thesis shaped by real-world constraints, health systems under pressure, and cities as the source of most emissions and pollution.ShareWhat's covered: 00:59 Why “Labs” and why Eindhoven: origin story + Philips legacy02:31 Andy's founder journey: EyeOpener, ESA as first investor, and the exit06:15 From angel tickets to a fund: two cornerstone LPs pull them into fund building08:26 Fund I recap: €20m, 23 pre-seed/seed investments08:58 Fund II status: just over €40m raised, targeting €100m final size10:34 The actual thesis: AI + digital deep tech (security, IoT, AR)13:12 SDG focus: health, education, sustainable cities + climate action (urban)15:31 Why these sectors: prevention over curing, and cities as the “source problem”19:22 Where they invest: Netherlands/Belgium/Germany core; Spain/Portugal + Nordics via scouts20:30 “Smart capital” in practice: leadership, market fit, storytelling, follow-on readiness23:30 Track record snapshot: 30 companies; 3 dead; 9 (soon 11) moving into scale-up territory

What happens when governments can't fund infrastructure anymore? A $1.6 trillion private asset class that doesn't recognize itself in the mirror. In the 2020s, infrastructure has entered a battlefield where geopolitics, government agendas, and investor returns collide. We trace infrastructure's evolution from nation-building mechanism to one of the most integrated asset classes in modern investing. In this episode, we explore a central tension: is infrastructure still a stable, boring, income-generating asset, or has it become a bigger bet on which governments can actually execute their vision? Joined by Peter Blue of Franklin Templeton and Gautam Bhandari of I Squared, we dive into one of the oldest asset classes in human history.Guests:Peter Blue, CFA, CAIA, FRM, Head of Private Market Solutions, Franklin TempletonGautam Bhandari, Co-Founder & Managing Partner, I Squared CapitalEpisode Sources(00:00) Infrastructure as an invisible but essential backbone of daily life and economic activity.(01:24)Introduction to infrastructure as a paradox: ancient in practice, modern as an institutional asset class.(03:43) The projected $100 trillion global infrastructure investment need through 2040 and the funding gap.(06:06) Infrastructure allocations remain modest despite structural tailwinds and capital demand.(10:32) Infrastructure as both inanimate and “alive” through its system-wide economic impact.(12:04) Roman publicani as early private infrastructure investors and the blending of public and private capital.(16:24) Infrastructure historically used as a tool of statecraft, control, and regime stability.(20:35) The Gilded Age, robber barons, and the rise of private capital in U.S. infrastructure development.(24:50) Australia's superannuation system and privatization wave as the birthplace of institutional infrastructure investing.(27:52) Macquarie's listed infrastructure vehicles and the financialization of the asset class.(29:43) The contrast between Australia's GP-led model and Canada's direct “Canadian model.”(35:49) Post-GFC surge in infrastructure AUM and its appeal as a stable, inflation-linked asset class.(41:59) “Suffering from success”: record fundraising, rising valuations, and expanding risk profiles in the 2020s.(42:20) Redefining infrastructure through resiliency rather than rigid asset definitions.(46:17) Expansion into digital infrastructure, renewables, and social infrastructure beyond traditional core assets.(50:52) Data centers as the new “highways” of productivity and the complexities of underwriting digital infrastructure.(55:32) Energy transition investing and the scale of renewable and grid infrastructure needs.(57:43) Talent evolution and systems thinking as infrastructure becomes increasingly cross-disciplinary.(01:01:18) The re-politicization of infrastructure and its return as a strategic instrument of global power.(01:05:58) China's Belt and Road Initiative and infrastructure as influence diplomacy.(01:10:46) Local alignment, commercial contracts, and operating “below the radar” in politically sensitive environments 

Jornalismo e reflexões sobre a Fórmula 1. Para apoiar o nosso projeto, basta se tornar membro do canal e curtir as premiações: https://www.youtube.com/channel/UCXeOto3gOwQiUuFPZOQiXLA/join   Se preferir um formato diferente de Apoio, confira as facilidades do http://www.apoia.se/cafecomvelocidade para ajudar o Café a crescer e se manter no ar.   E se você curte a agilidade e rapidez do PIX, você pode se tornar apoiador através da chave cafecomvelocidade@gmail.com (este também é o nosso endereço para contato) APOIANDO O CAFÉ VOCÊ RECEBE: Faixa Café com Leite - Acesso a um grupo exclusivo de membros do canal no whatsapp Faixa Capuccino - O mesmo benefício + acesso a LIVES Exclusivas toda terça-feira pós GP de Fórmula 1 Faixa Extra Forte - Os mesmos benefícios + concorre em sorteios de assinaturas da F1TV até o FINAL DE 2026 ! Faixa Premium - Os mesmos benefícios + concorre também a miniaturas de F1, acesso ao grupo Premium, pode PARTICIPAR das LIVES Exclusivas  e concorre a ingressos para o GP do Brasil de F1 de 2026 em Interlagos !   Não deixe de nos seguir no X / Twitter (@cafevelocidade) e no Instagram (@cafe_com_velocidade)  Siga nossa equipe no X / Twitter: @brunoaleixo80 e @camposfb   Conheça a Noovamais: mais do que uma corretora, uma revolução no mercado de seguros e financiamentos! Acesse www.noovamais.com.br e confira também no Insta @NoovaMais #formula1  #f1 #f12026 #f1testing #f1team #f1teams #f1season #f1speed  #abudhabigp #abudhabigrandprix  #abudhabi #gpabudhabi #qatargp  #qatargrandprix #gpqatar  #lasvegasgp #lasvegasgrandprix #lasvegas #braziliangp #saopaulogp #interlagos #gpdobrasil #brazil #mexicogp #méxico #gpmexico #gpdomexico #usgp  #austingp  #singaporegp #singaporegrandprix  #singapore #azerbaijangp #bakugp #gpazerbaijão #italiangp #italiangrandprix #gpitalia #monzacircuit #dutchgp #dutchgrandprix #zandvoort #zandvoortgp #gpholanda  #hungariangp #hungaroring #gphungria   #belgiumgp  #spafrancorchamps #gpbelgica  #britishgp  #britishgrandprix  #british #silverstone #inglaterra   #austriangp  #austria #gpaustria  #canadiangp  #canadiangrandprix #canada #gpcanada  #spanishgp  #spain  #gpdaespanha  #monacogp   #monaco  #gpmonaco  #emiliaromagnagp #imolagp #imola #gpimola  #miamigp #miami #gpmiami  #saudiarabiangp  #saudiarabia #gparabiasaudita  #bahraingp #bahraingrandprix #bahrain #gpbahrain #gpbahrein  #japanesegp #japangp #japão #gpjapão  #chinesegp  #gpchina  #australiangp  #australiangrandprix  #ausgp  #australia  #gpaustralia  #f1testing  #noticiasdaf1 #formulaone  #f1today  #f1tv #f1team  #f1teams  #f1agora  #f1brasil  #preseason2025  #ferrari  #mercedes  #redbull  #redbullracing  #lewishamilton  #maxverstappen  #charlesleclerc  #carlossainz  #fernandoalonso  #mclaren  #landonorris  #oscarpiastri  #georgerussell   #podcast  #podcasts  #podcasting  #automobilismo  #raceweekend  #raceweek  #f12024 #formula12024  #f1news  #f12025 #alpine #alpinef1 #f1motorsport #f1moments #f1movie 0:00 Abertura: os destaques de Bruno e Campos sobre a F1 18:19 Recado Noova Mais, a sua melhor opção em Seguros 20:47 Os 3 pilotos com TAMANHO para falar a VERDADE 26:26 Análise: novo carro DESTRÓI o princípio básico da F1 56:55 Austrália: estreia do campeonato pode piorar o cenário 1:12:12 As soluções p/ o grande problema das novas regras 1:21:05 As dúvidas do chat sobre as novas regras da F1 1:29:41 Aprendizados sobre a força das equipes no Bahrein 1:36:28 Mercedes: o que indica a força da equipe em 2026 1:45:40 A informação vital que resume os testes da McLaren 1:49:52 Ferrari: o que é real e o que é exagero após os testes 1:59:54 O surpreende e impressionante motor da Red Bull 2:06:21 Análise: como se desenhou a crise na Aston Martin 2:23:39 Polêmica: a grande "sacada" dos motores Mercedes 2:31:37 A discussão: seguir a indústria ou pensar no esporte 2:38:01 As questões que ficam sobre a pré-temporada da F1

Episode 123 – 15-minute Speed Coaching with Dr Laura Stoeker   Welcome to another 15-minute Speed Coaching Session for Veterinary and Pet Care Professionals! The rules of the game are as follows: ·         Episodes will be in-the-moment, off-the-cuff and unscripted. ·         Coaching sessions will be 15 Minutes MAXIMUM, so wherever we finish, we finish… ·         Which means that we might not find complete resolution to your question, but we will certainly get the thought process started!   In this episode, I chat to US based veterinarian, Dr Laura Stoeker, who has questions about Hyperactivity/Hypersensitivity Syndrome / Hyperkinesis in dogs. Dr Laura's own dog struggles with these behaviours, so she has a keen interest in this syndrome, and she also has a keen interest in Behaviour Medicine in general as, like so many of us, she is seeing more and more behaviour presentations in her work as a GP vet.   In this episode, we talk about the main clinical signs associated with HSHA syndrome, the Differential Diagnoses, the purported underlying neurotransmitter imbalances and treatment approaches. Dr Laura also shares with us what has worked for her own dog and how she manages his behaviours.   If you'd like to book a 30-minute Vet-Vet or Vet-Pet Care Professional Consultation with me, you can do that right here: https://calendly.com/trinityvet/teams-and-professionals If you can't find an appointment time to suit you, please email us at info@trinityvetbehaviour.com to find a time that suits us both!   And if you'd like some amazing Client Handouts and Professional Guides, then here is the link to my amazing Trinity Client Handouts and Professional Guides E-Books: https://katrin-jahn.mykajabi.com/trinity-ebook   And… if YOU would like to be part of a 15-Minute Podcast Speed Coaching episode, then apply right here: https://katrin-jahn.mykajabi.com/assessments/2148527544   If you liked this episode of the show, Veterinary Behaviour Chat, please LEAVE A 5-STAR REVIEW, like, share, and subscribe!   Facebook Group: Join The Veterinary Behaviour Community on Facebook   You can CONNECT with me: Website: Visit my website Trinity Veterinary Behaviour Instagram: Follow Trinity Veterinary Behaviour on Instagram Trinity Veterinary Behaviour Facebook: Join us on Trinity Veterinary Behaviour's Facebook page Trinity Veterinary Behaviour YouTube: Subscribe to Trinity Veterinary Behaviour on YouTube LinkedIn Profile: Connect with me on LinkedIn   Thank you for tuning in!

Today's show dives into the state of the venture capital from the LP perspective.     Sean Warrington is a Partner on the Private Investments team at Gresham Partners, a $13 billion multifamily office, and Ed Grefenstette is the CEO and CIO of The Dietrich Foundation, a $1.6 billion foundation with an unusually large allocation to private markets and venture capital. Ed was a past guest on the show and that conversation is replayed in the feed.    Our conversation covers the changing landscape of venture capital, including pricing distortions, power law winners, liquidity issues, GP behavior, and scaled platforms. Throughout the insightful conversation, Ed and Sean share LP strategies to capture opportunities and navigate risks across stages, sectors –mostly AI – and geographies.      Learn more about our Strategic Investments: Old Well Labs.   Learn More Follow Ted on Twitter at @tseides or LinkedIn Subscribe to the mailing list Access Transcript with Premium Membership   Editing and post-production work for this episode was provided by The Podcast Consultant (⁠https://thepodcastconsultant.com⁠)

Keith digs into what's really going on with apartments now that values in many markets have dropped 20–40%. You'll hear why larger multifamily properties have been hit so much harder than one-to-four unit rentals, and what that means for both current owners and new buyers. "The Apartment King," Brad Sumrok, joins the conversation to share how recent economic shifts, financing structures, and market forces have reshaped the apartment landscape—and why he believes we may be near a key turning point in the cycle. You'll also learn how investors are approaching deals differently today, what makes certain markets and property types more attractive right now.  Resources: Learn more about Brad here. Episode Page: GetRichEducation.com/594 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   welcome to GRE. I'm your host. Keith Weinhold us. Apartment Building values have fallen 2030, even, 40% over the past few years. Investors lost millions. What are all the reasons that it happened? And when will apartments turn around? I'm joined by the apartment king today on get rich education.   Corey Coates  0:26   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold, writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Keith Weinhold  1:09   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com you   Corey Coates  1:40   you're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:59   Welcome to GRE from Monterrey, California to Monterrey, Mexico and across 188 nations worldwide. America's favorite shaved mammal on a microphone has got his slack. John, act back on track for another wealth building week with you. I'm Keith Weinhold. This is get rich education, and I'm still not wearing a pair of Dockers. We all know that the one to four unit space single family homes, up to four plexes have held under their values despite soured affordability, but five plus unit apartment buildings are a drastically different story. We're going to talk about just how much value they've lost recently, and the reasons why it's about more than just the interest rates doubling and tripling that began in 2022 Today's guest is an apartment educator. His students have had both losses and wins over time. I'll ask about both, because adversity is where you get the lessons now today, you might buy an apartment building at a steep discount compared to what it sold for five years ago. And who might you buy an apartment from today, it might not be the type of seller that you're thinking about because of owners defaulting you might now be buying it from a bank that had to basically repossess it. Yeah, you might try to buy it from a lender at 60% of the loan amount. Well, a lender doesn't want to do a 40% write down, so they're going to try to get more and see. That's how this could practically look today for an apartment owner that survived the crisis and is still standing today. They're asking themselves, now, why would I sell at a discount if I don't have to? So they're probably going to try to hold on. And then, of course, the tenants in these apartments don't know that any of this is going on now. I own a lot of single family rental homes myself, also apartment buildings in the one to one and a half million dollar range is where I've played, and often that ends up being eight to 12 units, because in that space, I don't need partners to invest in assets of that size. One to $2 million is also small enough so that you're not competing with institutional money and other players. Today, I'll tell you what I did with some of those buildings myself when interest rates reset about four years ago, and before you and I wrap up the show today, I've got something to tell you about what's coming in future. GRE episodes here stuff that's really unexpected as the apartment King waits in the wings. One last thing to tell you about, like I mentioned to you recently, investors say that they want an opportunity, but what they really want is certainty. Once certainty arrives, the opportunity. Is gone.    Keith Weinhold  5:01   Our GRE live event last Thursday was a success. It is about how central Florida is the most compelling housing market right now, with the builder offering rate buy downs as low as 3.75% and, you know, I just ran the numbers on something, and I can hardly believe this. All right, right. Now owner occupied mortgage rates are near 6% this means investment property rates are almost 7% with the rate by down to 4% here's how your cash flow looks with a 30 year fixed rate mortgage on a 300k loan with a 7% rate, your p and i payment is 1996 at a 4% rate. It's just 1432, this is a reduction of $564 per month, a whopping payment difference. That's really the difference between treading water and stacking cash flow on these brand new build properties that we're talking about here in Central Florida. So talking about opportunity and certainty, that is a big measure of both. Yeah, before I ran the numbers, I didn't realize that the spread was this wide. With high demand for these properties, the builder does have some more available, a long term fixed rate of around 4% it should be up for you now you can see the limited time replay of GRE, freshest live event at grewebinars.com, in case you want to look into This again, grewebinars.com let's discuss the apartment market. Foreign apartment building values have fallen at 20% 30% even 40% over the past few years, depending on the market that they're in today, we're going to learn how bad it is, why it happened, and if that actually creates an opportunity here in the late 2020s, decade, our guest is known as the apartment king. He is the number one nationally known educator and mentor for apartment investing. He started with a bang in 2002 by making his first ever real estate investment, not a four Plex like I did, but a 32 unit apartment building, and he's now owned and invested in over 11,000 units and over 1 billion in assets under management. He's received awards like the naa independent owner of the year, and he's the star of the massively popular in person events that he puts on, which you'll learn about soon. Hey, it's been several years. Welcome back to the show. Brad sumrock,   Brad Sumrok  7:46   hey, Keith. It's really good to be on again. Nice to be here.   Keith Weinhold  7:50   Brad and I were together in person last month, and we also talked physical fitness. Then Brad is one of the fittest guys you'll ever meet in person. He just looks fantastic. We want to hear about your apartment forecast shortly. Brad, let's talk about the hard stuff. First, you've endured adversity since we last had you here several years ago. Tell us about that.   Brad Sumrok  8:14    Well, look, I mean, I think anyone that's been serious about investing in apartments over the last five years. And I'll also say it this way, anyone who did a deal and say 21 the middle of 21 till probably the end of 2022 it's very likely that that property is worth less today than than it was when we bought it. So that, in itself, has created, you know, adversity, because I got into the business in 2002 and the market went up until 2008 and we went through a downturn in 2008 nine and 10, as is, I'm sure you're aware. And then the market went up again until around 2021, mid year. And then, due to so many reasons, and I could go into those reasons, but let me just just cut to the chase. That you alluded to is we had another downturn, and so the downturn, you know, impacts property values, it impacts confidence, it impacts investor appetite to do deals. It impacts just about everything related to the business, on the investment side, and the other business that I'm in, which is the seminars, the events and the mentoring. So it's been a big downturn, and we could go into those, you know, into the reasons why, and I'm sure you'd like to know my take on that. But now is a great time, because things are recovering, and one of the things Tony Robbins teaches Keith is pattern recognition. It's like I've been through two downturns, and I could see the patterns, and it occurs to me that we're at or near the bottom of a cycle. So like it's also a good time to be gearing up.   Keith Weinhold  9:50   Now, many realize but for those uninitiated on this, the one to four unit space really didn't feel much pain starting in 2022 so much of that is time. Two people get long term fixed interest rate debt on the one to four unit property, but it's shorter term debt on five plus unit apartment buildings. So when interest rates went up, people soon had to pay those higher rates. They were underwater. That's really the genesis of so much of the apartment building pain.   Brad Sumrok  10:19   Well, and I would say, look, it was, I'm going to throw a bunch of things at you here. So we had the pandemic, right? And during the pandemic, people got paid to stay home from work, right? The government printed, what, $5 trillion worth of money, right? And so that kicked off what became a period of, like, very high inflation. And you know, the published number was 9% but I think a lot of people experience certain items that were a lot more than 9% like, for example, for sure, in 2022 when we bought a 286 unit property, you know, we were able to replace all the appliances inside of a unit in The kitchen, you know, for $1,800 and even today it's like $3,200 so that's a little bit more than 9% and so we had that. So we had the printing of money, we had inflation, we had variable rate debt. Why did people do variable rate debt? The first thing I'll say is there is a place for variable rate debt. But what happened in 2021 and 2022 is the fixed rate lenders, which are typically the government sponsored agencies Fannie and Freddie. They were still lending money, but because of their criteria for lending, if you would go with one of those loans, you would get like 50% leverage the shorter term lenders that would give you the three year loans, you can still get like 75 to 80% leverage. So the vast amount of people that were buying anything in 2021 and 2022 I mean, I'm not just talking about myself. I'm talking about people with 2030, 4050, 70,000 doors all over the country, they were buying with short term debt. And historically, short term debt performs at or better than long term debt. I mean, think about it, when you get a long term, 10 year fixed rate loan and multifamily you have prepayment penalties. You know, when the market's constantly going up like it did, from 2012 to 2022 you could get that fixed term loan. You could pay it off early, you could pay the seven figure prepayment penalty, and you could still make lots and lots of money, and that's what people were doing. So when you bake in the prepayment penalties on long term debt, you know short term debt is oftentimes the better option. Well, nobody saw the Fed raising rate 16 times in 12 months. And look, I don't care what anybody says, Nobody predicted it. If they had predicted it, they would be probably the richest person in the world right now, right nobody saw a comment like, there may have been some people that said, hey, yeah, this is going to happen, or this is going to happen. But what actually happened with the Fed rates over a very short period of time was unprecedented. Unprecedented means it never happened before. So it's not something you could anticipate or something anyone can model. Okay? And so what that did is most of us had what's called an interest rate cap, which is an insurance policy that if the rates go up too much, that yours is capped. But the problem with those rate caps is they're only good for like, two years, right? So we're buying these deals in 2021 and we're getting short term debt, which is a three year debt. And in two years, in 2023 the rate cap expires, and now the rates are 9% instead of 3% and when we bought the deal, the rate cap insurance was $40,000 and now it's a million dollars. And so you're in a very awkward, unfriendly financial situation. And it wasn't just that. So it wasn't just inflation, it wasn't just interest rates. And many of us sung belt markets, specifically Texas and Florida, which historically have been some of the best markets to invest in, because of migration and no taxes, and then landlord and business friendly environments. Well, these states also suffered a lot of named storms, with, you know, hurricanes and wind storms and hail storms and so in these markets, at the same time, we had rising rates. At the same time, we had massive inflation. Now we also have insurance rates doubling or even tripling in some occasions. And then the final thing was, during the pandemic, a lot of the multifamily projects that were in the middle of being built, these development projects, they all slowed down. People couldn't work. And so back in 2020, or after we're fully recovered from the pandemic, some of these markets, like Nashville and Austin and Dallas and Houston and Phoenix, they got deluged Keith with new supply coming on, like a disproportionate amount of new supply. So there's like five. Five things that contributed to multifamily being really tough in the last few years. And so it wasn't just people with short term debt that had challenges. It was probably just about anybody that bought a deal within an 18 month timeframe that I outlined before that just really experienced challenges, and some of those people are still in deals, right? And so let's just take a deal that's, you know, a $10 million deal with a $7 million loan. Well, that deal right now might be only worth 7 million, yeah, and that's the opportunity. So the owner that has that deal may get punched in the face, so to speak, you know, by the market, and they may lose their equity in that deal, but the borrower coming in, or the buyer coming in, like one of my mentees right now, had a deal that was listed at 11 million, and he's picking it up for seven, which is, like, at or below the current loan value. So one buyer group's loss is the new buyer group's opportunity, if that makes sense   Keith Weinhold  16:03    right? 100% there's nothing unusual at all about the mortgage rate levels that began to go higher about four years ago. The unusual part, and Brad has touched on it, is the rate of increase, with mortgage rates doubling or tripling in a short period of time, within about a year or so, but yeah, it's a great point. It's about more than the mortgage rates. It's about increasing insurance costs and increasing expenses of all types, like you talked about with the appliances there, and then, even if you were able to weather all that as an apartment building owner, with all of the supply coming on to the market, when supply exceeds demand, we know what happens to price, and we also know that you can't raise rents very much with all of this supply coming on the market, but the supply of new apartment buildings, that inflow, that wave, is beginning to die down, because builders got the memo quite a while ago that they need to stop building at such a fast pace in places like Florida and Texas and you know, Brad, there are a lot of asset classes that have been beaten up lately. We can always point to a few. You can look at Bitcoin or nfts or even commercial office space. Now those assets might bounce back, but they don't have to, because no human needs those things. But I expect apartments to bounce back because having a place to live is a primordial Maslow and human need. It's almost inevitable. In fact, shelter is at the base of Maslow's hierarchy of needs. So a bounce back has almost got to happen. Yeah.   Brad Sumrok  17:46   Look, it's becoming the big word right now in politics. Right is affordability. And so when you look at affordability, if you take a median priced home in this country of say, $400,000 I don't know if that's the actual median, but maybe it's around 400 420,000 100, $420,000 yes, to buy that home. And who's going to buy a $420,000 home? It's going to be a working class family making 60 to 70,000 a year, right? They could rent a median priced apartment unit for $1,800 a month, or they could pay a 20% or a 10% down payment on a $400,000 homes, and they need 40 to 80,000 down right, or maybe less, but they still need a down payment and that p i, t i, the principal, interest, tax and insurance is going to be around $3,100 okay, so there's a $1,300 per month gap, and that's a big, big gap for that working class family. And so where are they going to live? Like we're becoming more and more of a renter nation? Keith, and the statistics that I read say that only 27% of American families can even qualify to get a mortgage, yeah, on a $400,000 home. So we're becoming more and more and more of a nation of renters by necessity. And so the demographics like look, all markets are not equal. You got to know what's going on in your market. But there are markets, ie locations, geographies that have even a higher affordability gap. You know, some markets have a 2000 a month or a $2,500 a month affordability gap. So you're going to find more and more people renting in these markets.   Keith Weinhold  19:37   Yes, there is a premium to ownership opening up that gap, and that's why we have this wave of renters that's really already begun. In about the last year, the American homeownership rate has fallen from 66% to 65% 1% doesn't sound like much, but that already means that we have 1.3 million new renters. We're going to talk to Brad some more, including about. His apartment market forecast you're listening to get rich education. Our guest is apartment King. Brad sumrock, more when we come back, I'm your host. Keith Weinhold,    Keith Weinhold  20:09   flock homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio through a 721 exchange, deferring your capital gains tax and depreciation recapture. It's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE. That's f, l, O, C, K, homes.com/gre,   Keith Weinhold  20:45   you know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why? Fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products. They've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text. Now it's 1-937-795-8989, yep. Text their freedom. Coach, directly. Again. 1-937-795-8989,   Hal Elrod  21:58   this is Hal Elrod, author of The Miracle Morning, and listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  22:13   Welcome back to get rich Education. I'm your host, Keith Weinhold. We're talking about a sector we have not talked about very much lately because it's been in rather moribund condition, but we are beginning to turn the corner where there are more opportunities in apartment building investing, because it's been beaten down an awful lot. And Brad, that plays right in to your apartment forecast. So tell us about some of the highlights of your apartment forecast.   Brad Sumrok  22:38   Yeah, sure. And one of the things that I want to share with you, Keith, is that, you know, back in the peak of the market, the market peaked, say, at the end of 21 early 22 there were so many investors that were in multifamily or that wanted to be in multifamily. And the other thing that caused this so called, you know, downturn that I didn't mention before is, let's take this $10 million deal. If a property was listed at $10 million you'd literally have 30 to 40 buyer groups pursuing that deal, bidding up the price. Yeah. And so a $10 million Listing would sell for 11 and a half million Okay, now what I'm seeing is that same $10 million deal might sell for a seven to 8 million and you might be the only buyer going after the deal. Wow. And how do I know? Because you said, like, I run a an investor community and and I have active multifamily buyers, and I coach them, and I look at their deals, and this is what's happening. And the other reason I know is I sold two of my deals personally in 2025 and both of the deals that I sold, I bought in 2015 where we had 10 year fixed rate debt. So we didn't sell because we had a three year loan. We needed to sell because we had a 10 year loan due. And look, first thing I'll say is I made money, because over that 10 year period, values did go up. They peaked in 2022 and they came back down that because I bought it so long ago. That's the one lesson that I think people also want to understand, is over the long term, the values always tend to go up, but there are short term ups and downs that one would need to be aware of. But when I sold these two deals like I didn't have many buyers one deal in particular. I mean, I had eight buyers going after the deal, but only one was anywhere close to what I wanted. So I was negotiating with myself, you know, telling the buyer and his broker, hey, you know the other guys are here, and you got to come up on price and you got to come up on terms. But truthfully, I was bluffing, because I didn't have anybody that was coming up on price or coming up on terms. And so part of why I'm answering this way is when you look at the forecast, one thing that that I want people to know is that those. Of us that are in the business now and that have our pencils up, and we're underwriting deals, and we're making offers, like I used to teach Keith, don't make lowball offers, because you'll develop a reputation of being that guy or that borrower or that buyer that submits lowball offers, right? And word will get around in that market? Well, right now, like low ball offers are expected, and I would encourage people, let's just say you make an offer that whatever the deal pencils out to. So if you know how to underwrite deals correctly, and they're offering 10 million as a listing price, and you're coming up at seven or 7.5 don't be bashful to make the offer, and you may be the only buyer in the game. So that's one thing is like the competition that I'm seeing right now on the buyer side is not a lot of competition, and that's definitely shifted to a buyer's market. So people need to know that. The other thing I would say, on the macro level, is there's still a lot of uncertainty out there, and the uncertainty is kind of becoming like what I would call a new normal. You know? I'll speak for myself. When Trump was elected and at the end of 2024 I thought it was going to be amazingly well for all of us real estate investors, right? And there are some things that have been like the big, beautiful bill that restores 100% bonus depreciation like this is a really good thing, but you know, the tariffs, the immigration policies, some of the things that he's doing, you know, they have mixed impact for us and our in the economy and in real estate and in multifamily. And the thing is, when he first started doing that again, like lenders, they didn't know how to price debt, like, what's going to happen with tariffs, what's going to happen with ice what's going to happen with immigration, you know? But now that we're a year in to his second term, I can tell you a couple things. Debt is back. Lenders are lending. They're confident. Lenders are issuing debt like you can get 70 to 75% of your acquisition funded by a commercial lender. The government agencies are lending. Freddie Mac is lending. Fannie Mae is lending, and they have a mandate to lend 20% more money in 2026 than they did in 2025 so that bodes well for people that want to get, you know, affordable workforce housing, which is my specialty, also known as Class B and Class C housing. So the lenders are lending like, there's a lot of debt out there. One of the challenges is the equity. There's a lot of institutional equity. But if you're going to the retail investor who got into the business three to five years ago. They don't want to hear about your next deal right now, they're wondering about, hey, what about the deals that I'm in? Right? So one of the things that I'm doing, Keith is, and I think, you know, this is like, you know, I build up a huge investor community from 2012 to 2022 and I did it by traveling the country, speaking at conferences, sponsoring trade shows, talking about the benefits of investing in apartment buildings, how it changed my life, how it enabled me to retire from a six figure income in just three years, and how I've helped many, many other people Do the same, and also just sharing experience today, every asset class, every 10 to 15 years is going to go through a correction. And so where we're at now. And I wasn't the only one on the forecast. I brought in John Chang who is the senior intelligence officer at Marcus and millichep, one of the biggest commercial real estate firms in the country, and he presented about 20 or 30 slides that by and large were very bullish on where we're at in the market cycle. Why now is a great time to be looking at apartment buildings, a lot of the same things that I've been talking about. Prices are down. It's a buyer's market. We have a huge affordability issue. More and more people are becoming renters, and so what I'm committed to do, Keith and I don't know if I shared with you my travel schedule, like when we met each other last month, but I'm on the road every single week going to another city, talking about where I see us right now in the market, and why people should be looking at deals and making offers right now. Because to me, you know, Warren Buffett said it best. He's like, you want to be fearful when everybody else is being greedy, and you want to be greedy when everybody's being fearful. And right now, people are on the sidelines. They're waiting for some green light, like for the Wall Street Journal to come out and say, Hey, now's a good time, you know? I mean, look, Trump, just the point of the new Fed chair, right? And so we know interest rates are going to go down like that's one of his goals, and the guy that he appointed is going to lower rates. So we're looking at a future, a very near future, where we have lower rates, and lower rates is going to create more demand, again, for people that want to buy. I invest in apartments now, look, if you wait another year, I still think it's going to be a good time, but I think we have a better time right now.   Keith Weinhold  30:10   I sold one apartment building in 2022 for about $1 million and I sold another one of my apartment buildings in 2023 for about $1 million I had bought those in 2013 with 10 year balloon loans, so I was enjoying that nice fixed rate as late and as long as I could, until 2022, nine years and 2023, 10 years before the rate went up on me. But of course, my new buyer had to pay that rate, so it limited the amount that they could offer for it. However, to your point about investing for a long time horizon, I still had profits on those nine and 10 year holds, but yeah, to your point, Brad about the looser lending, this is huge. I read a summary of the latest national Multifamily Housing Council meeting, and one of the biggest takeaways that came out of that meeting is that there is abundant debt available. It's in increasingly attractive terms. And a lot of people think about mortgages, and they just think about the rates, and you should that's certainly important, but they don't think as much about the propensity for others to lend. How loose, or how tight are those standards? They're loose, yeah.   Brad Sumrok  31:25   And, I mean, look, the first deal I did in 2002 the interest rate was 6.35% the rates right now are less than that, you know, as of the date of this recording. So, you know, I always talk about a base case of a $10 million deal. It may seem large to you or to people listening, but like in my world of syndication, where we're not just looking at the real estate piece, but learning how to raise money to buy real estate so we could have a bigger property that's professionally managed and become a true business owner like Robert Kiyosaki talks about, do you want to be self employed? I tell my students, buy a six Plex. Do you want to own an apartment business by 60 units and hire a management company? So when I'm talking about this $10 million deal, you know, you can get a $7 million loan right now for probably in the mid 5% and it would be non recourse, and you could probably get three years of interest only, meaning for the first three years, you're going to have a higher cash flow. So like, this is a really good loan compared to 2021 when we could get 3% debt. It's not but remember that 3% loan was a short term loan. You know, it wasn't a 10 year fixed rate loan, it was a short term loan, and we all saw what happened with that when they raised rates so many times in such a short period. So the fixed rate debt is very competitive based on, like, the long term, 20 year average, and it's lower than it was when I started.   Keith Weinhold  32:55   Well, we've been talking about elements of your apartment market forecast, and of course, that's going to inform your Buy Box. Brad, you mentor students constantly and oftentimes we think about a Buy Box. We think about then in terms of geographic market, but as we look for an opportunity, we also might think about some other things in your Buy Box, for example, new build versus vintage build. So with all of this traveling you do, and you're in the markets, and you're informing students, and you're looking at students prospective deals as well. But tell us more about what a good buy box is for the near term in apartment buildings.   Brad Sumrok  33:36   Yeah. So look like what is in the buy box, right? So one is going to be your location. And so, you know, how do I select a good location? Just some tips and strategies around that is, I look for landlord and business friendly environments. In other words, if the tenant doesn't pay, do they get to stay or not, you know, so I like to be in market so that they don't pay, that we could legally, you know, not have them consume our product for a long period of time. So I also look at things like job growth and population growth, affordability gap. New supply is a percentage of inventory, you know, the new supply coming online in a diversified economy. So, like, you want to get your geographies nailed down. Like, where you buy matters, like, there's no substitute to I would rather pay more for a property in a location that meets that criteria than less for a property that doesn't. Yeah. So geography is important. You want to pick your property size, like, how many units, or what's the price point. Okay? And this is huge, because if you're gonna buy your own deal with your own money, which is another reason I prefer syndication. Let's say you have pick a number, 100,000 to invest. Like you can only buy a $300,000 property, two units somewhere, three units somewhere, you know. Or zero units somewhere, right, right? So if you have expanded your you know, your mind and your skill set to do a syndication 100,000 doesn't limit you to your own money, you know. And then I would say, Well, what is a great size for a first time syndicator is I would target somewhere around 60 to 80 units, and at 100,000 a unit, which is a ballpark price for maybe a nice B class property or high C Class property, and a market that meets the criteria that I outlined earlier. You know, you're looking at, say, a six to $8 million property. And so what you could do from there, Keith is, you could say, Okay, well, you know, this is why, like in my educational course, I use a $10 million property, because the numbers are easy. But even just say, Well, I'm going to do an $8 million property, you'd say, Okay, I need two to 3 million down, depending on the debt, right? And then I'm going to get a the balance in a loan, you know, because you could get a 70 to 75% loan. So then you ask, Well, where am I going to get to 2 million, right? If I have 100 I need $1.9 million and so then you got to start thinking about like, do I have access to people or work or in the neighborhood or at the community or at the church, you know, or do I go to masterminds and conferences and meetup groups like, where I saw you Keith last month, like, there's a lot of investors there with a lot of money, right? And some of them are looking to be passive investors. And so, you know, there's a whole nother conversation around, you know, raising capital. And if you can't raise capital, then you may want to bring in some people on your GP team that could help you raise capital, as long as you're following, like the SEC compliance and again, that's another discussion. That's the importance of having the buy box so you have your geography, your property size, your property class. You know, again, if you just want the new construction stuff. There's some people out there, like big name, famous people, that are highlighting their 800 unit a class deals that they're buying. And of course, like you or I that are just getting started, can't go buy that deal. And so why? You know the institutions are going after the large A class properties in the best areas. And so where I've made my niche Keith, and what I would recommend most people start is start with the older vintage properties, start with the 1970s properties, and then maybe work your way up to the 1980s and 1990s properties. And why is this is because the institutions don't want those properties, and they're still able to be professionally managed. Like, if you go and buy 100 unit C Class property, as long as it's not in a bad neighborhood with, like, high crime or whatever like that. Like, these are very honest, hard working, working class people that need a clean, safe and functional place to live, and you'll be able to get better returns on a C or A B class, also known as like the cap rate. And again, that's another discussion, but you'll be able to get a better return on an older vintage property than you would on a vintage property. And you're not competing with the institutions, but you're also not competing with the mom and pops, because the mom and pops are going to take that 100,000 they have and go buy a duplex. You know, they're not going to want to syndicate a deal. They're not going to want to have partners. They're not going to want to deal with the so called complexities of buying a company. And that's what buying an apartment community is, Keith, it's buying a company. You're buying a business that has an income stream already being generated those customers, they're called residents. They're called tenants, you know, but if you just go upstream from buying real estate or buying an apartment building, we're buying a cash flow producing business that's existing, that's in place, and then our job is to figure out how to run it better and more efficiently. You the   Keith Weinhold  39:04   You the listener, you might have access to, say, 500k in equity that's sitting in your existing properties. And some of these numbers that Brad and I are throwing around are rather large, $10 billion but one of the biggest epiphanies that I think your students have is that doesn't need to be much of your own money. We're talking about what's called the capital stack to take down a $10 million apartment building. Maybe you borrow seven and a half million of that. Maybe you raise 2 million of that from your other investors in the syndication, and then you put your 500k into the deal, and there you have $10 million in order to make that purchase. But yes, that does involve a learning curve and the SEC rules and all that. But the big takeaway here is you don't need much of your own money. You can leverage other people's money, even for the down payment. And Brad, you're also an expert at showing people how to pay almost. Zero tax, which is another discussion unto itself, but some of your students start with zero experience, and within a few short years, I mean, you've had hundreds of people that have either retired early or increased their net worth by over a million dollars. A lot of success stories,   Brad Sumrok  40:17   yeah, look, I mean, I started with no previous real estate investing experience. My experience was going to college, studying hard, getting decent grades, becoming an engineer, you know, being fired once, being laid off once, and reading Robert Kiyosaki books that motivated me to to go out and seek specialized education. And I think it was Jim Rohn that said formal education, like degree could get you a job, and specialized education like you can get in a conference or a mastermind or a mentorship program. And that's also how I started. I went to a weekend workshop back in 2001 and I bought the mentorship program. And boy, I'm glad I did, because, you know, that's how I got into my first 62 units. So you don't need to have experience. What you need to have is a powerful reason, a powerful why? Why do I want to be financially free? Like apartments is just a vehicle. I didn't choose apartments because I love departments. I choose departments because they cash flow, they go up in value, and you have amazing depreciation benefits.   Keith Weinhold  41:23   Yeah, I'm the same. I don't love apartments in a way. I don't love real estate. I love what these things do for me    Brad Sumrok  41:30   exactly. Yeah? So, like, you don't have to have experience. In the other category, of people that have come into my community that don't have apartment experience, a lot of them have real estate experience, Keith, that are doing, like, single family homes, short term rentals, or maybe smaller, multi unit deals. And they listen to a show like this, and they're like, huh, I want to transition from doing these smaller types of assets with my own money and self managing to scaling into a syndication.   Keith Weinhold  42:03   Brad has taken countless people from get rich education to got rich education. His core values are faith, finance, fitness, family and fulfillment. He is committed to helping people experience not just financial success, but personal fulfillment, purpose, contribution, freedom and Brad and his investor community have contributed over $1 million to charity. Is really the person you want to learn from if you want to think about going bigger with multifamily apartment buildings. This has been great, Brad. Let our audience know how they can connect with you and learn more?   Brad Sumrok  42:42   Yeah, sure. So I would say this is where I should just be very clear here, okay, but I'm gonna give a couple options, because that's what I'm so of course, there's a website which is my first and last name.com, B, R, A, D, S, U, M, R, O, k, for those of you on social media, I respond to my own social so you'll find me again. B, R, A, D, S, U, M, R, O, K, on LinkedIn, Instagram and Facebook.   Keith Weinhold  43:13   Brad, it's been so valuable. It seems like American apartment buildings are in for redemption story here. It's been great having you back on the show.   Keith Weinhold  43:29   Brad and I both emphasize physical fitness, and we chatted about that a good bit when we were together last month. I think he looks better than me. To summarize, the reasons for this historic collapse in apartment building values. It was the combination of soaring interest rates, massive inflation, spiking insurance costs, construction soared, and it created an oversupply, and that oversupply still is not absorbed. In fact, according to the outlet apartment list, the National multifamily vacancy rate recently hit 7.2% that's the highest in the history of the index, which dates back to 2017 and that's chiefly due to apartment oversupply. Have apartments really hit the bottom? Brad just said, we're at or near the bottom, and it's a good time to be gearing up as far as what's coming. To give you an idea of new apartment supply, what takes about two years from construction start to completion. And now you can't just have all US apartment construction come to a complete stop. You have to keep people working. And there are almost 400 MSAs in the United States, so you couldn't coordinate a complete ceasing of construction across every area. So how about the level of new construction starts in apartment units today, and the way that HUD counts it is the number of units started in buildings of five plus units the recent peak. Was about 600,000 annually in 2023 and today it's closer to 400,000 there it is that slowing pace of new apartment construction. If you jump into multifam, be careful of properties with deferred maintenance, because understand that you have a lot of underfunded owners Now Brad can tell you specifically what to look out for his rat race to retirement event is March 28 and 29th in Dallas. It's a two day hands on workshop. You'll learn how to find apartment deals, how to underwrite deals, how to raise capital management and your exit. Discover how you can retire in five years or less by owning apartments again. His website is Brad sumrock.com    Keith Weinhold  45:49   coming up on future episodes here on the get rich education podcast. We're about to go on a run. The next stretch of GRE is loaded. We've got fresh topics with some game changing monolog content that I'm going to share with you new guests, distinguished experts, we're going to break down an innovative way to sell properties that could completely change how you think about your exit strategy of the 50 US states. I'm going to discuss some awful states to invest in, including ones with population loss. On another episode, a distinguished subject matter expert and I are going to dive deep on does America really have a housing shortage, not in apartments which are oversupplied, but is there a shortage in the one to four unit space? That's our topic, because you probably heard contradictory information in the media about whether there's a shortage or not, and then some outlets say there's a housing shortage of 2 million units. Others, 10 million. They're all over the place. We're going to sort it out on an upcoming episode. Does America really have a housing shortage? Then the youngest guest to ever appear on the show will be with us. He's a 19 year old college student that has a real estate investing related major, and since last year, he and I have befriended each other. He was born in about 2006 so it'll be interesting to see how he views the investing world and what they teach him about real estate investing in college today, he is probably the most impressive teenager that I've ever met in my life. Then six weeks from now, we will have an epic get rich education podcast episode 600 on a subject as paradoxical and complete with a GRE contrarianism That builds real wealth, debt is the American dream will be episode 600 if you're serious about building wealth, be sure to follow or subscribe to the show. We are going on a run. If you know someone in your life who needs to think differently. If you know one investor who's still waiting for perfect conditions. This will help them tap the Share button and tell them about the show until next week. I'm your host. Keith Weinhold, don't quit your daydream.   Unknown Speaker  48:14   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Keith Weinhold  48:42   The preceding program was brought to you by your home for wealth, building, get richeducation.com  

GP opens on the Grizzlies weekend where they won at home on Friday against the Jazz and lost on Saturday in Miami where Scotty Pippen Jr got into it with Myron Gardner. (20:00) Michael Eaves joins to talk Team USA winning gold in Men's Hockey, Tiger Woods and more. (50:00) Tigers lose 4th straight, NCAA Bracket Preview, Tyrese has shingles, UFC star got wild after his fight on Saturday, and GP's travel situation just got interesting. (1:38:00) GP's Carry Out 

This is what we're yapping about in this 182nd joker episode!GP's week (01:35)AD's week (03:18)Time to get angry at Sexy Red, The Radio, and useless manager meetings in CALL IT OUT! (07:10)A Baltimore high school senior must go back to the 9th grade due to his overall GPA, but who's at fault is it really? (20:04)Quick bits! Where we talk real news real fast! (37:12)Our review for Wonder man season one. (44:45)We throw petals at the clown prince of crime himself, Joker. (1:00:20)Followed by our Top 5 Jokers. (1:05:10)Positive Chakra. (1:21:55)Yell outs before we head out. (1:23:55) #Rate #Comment #Like #SubscribeFor all things the show, check out the link treehttps://linktr.ee/Callitlikeidontseeit?utm_source=linktree_profile_share<sid=2b11404d-bc57-46c8-83b2-c63caa7873bc

Have you been to your six-week checkup and walked out with only a script for the pill? Or found yourself wondering what your actual options are now that you've had a baby?This week, Dr Renee White sits down with Dr Natasha Vavrek, women's health GP and clinical director at The Bubble, to break down all the contraceptive options available after birth. Not just the pill. Everything.This conversation started from a real question from a listener who felt her options weren't fully discussed at her six-week check. So Natasha walks through what's actually available, how breastfeeding affects your choices, when timing matters and what you need to know to have an informed conversation with your GP.You'll hear about:The full range of contraceptive options available after birthHow breastfeeding affects different contraceptives and milk supplyThe differences between Mirena, Kyleena and copper IUDsWhat to expect with side effects, costs and return to fertilityWhy vasectomy should be part of the conversationWhether you're heading into your six-week checkup, feeling unsure about what you're using or just wanting to understand your options, this episode gives you what you need to make informed choices that work for your body and your life.Resources & Links

Recorded during the last phase of Bahrain Test 2, this podcast provides fascinating insight from Mark Slade on a number of major topics, including - (00:00) the relative performance right now of Mercedes, Ferrari, Red Bull and McLaren; (03:33) the prodigious talent of Nico Hulkenberg (a driver with whom Mark has worked on numerous occasions); (07:52) the mess at Aston Martin-Honda; (23:00) the electrical power available from standard and over-ride modes vs car speed - graphic can be seen under the chapter heading; (26:44) more detail on energy harvesting at the entry to corners; (32:04) the linguistic genius of Sir Frank Williams; (33:00) why F1 would be very different today - featuring super-reliable and spectacular V8s or V10s - if Ari Vatanen had beaten Jean Todt to the FIA Presidency; (35:06) why today's turbo F1 power units are less noisy/visually spectacular as those of the 1980s; (38:03) comparing a young Lewis Hamilton with a young Robert Kubica; (41:36) Lewis vs Fernando comparison; (42:45) the 2026 prospects of Alpine-Mercedes; (45:55) Aston-Honda limiting their test runs to one or two laps only (breaking news); (53:00) why Kevin Magnussen picked up speed in late 2024 with Haas-Ferrari; (56:08) race starts in 2026; and (59:20) will high-energy dense fuels have a weight advantage in 2026? Mark Slade has been a race engineer at McLaren, Mercedes, Renault and Haas and  has played a major role in two World Championships, 34 GP wins, 101 podiums and 40 pole positions.With thanks to Jetcraft, the world's largest buyer and seller of executive jets:https://jetcraft.comTo TrackNinja, a lap-timer and data app designed to help users improve their on-track car and driver performance through analysis and an innovative Data Garage. A lite version is free; the loaded edition is US$9.99 pcm or $99.99 yearlyhttps://trackninja.appTo OEM Exclusive, the passionate suppliers of OEM upgrades for exotic and high-performance vehiclesAnd to REC Watches, whose timepieces are infused with DNA and actual material from famous racing and road cars. Claim your additional 10 per cent discount by adding the codeword PETER:https://recwatches.com/next-projectImages: Mark Slade Visit https://alpinestars.com for all your racing apparelTry Oscar Razors - Australia's highly-rated, 5-blade razors for men and women https://oscarrazor.com.au.  Follow Peter @peterwindsorBook a Cameo with Peter: https://cameo.com/peterwindsorContact us at: peterwindsoryt@gmail.comWe support the Race Against Dementia:https://raceagainstdementia.comThe Alora dog rescue shelter (Malaga, Spain)https://aloradogrescue.com#standwithukraine - now, more than ever#Canada! #jimmykimmel!Stephen Gallacher Golf Foundationhttps://sgfoundation.co.ukNick: you're with us always:https://samaritans.orgSupport the showVisit: https://youtube.com/peterwindsor for F1 videos past, present and future

In this week's episode, Ben is joined by Dr Freddie Charrington, GP Partner at Phoenix Health Group in Tetbury, to discuss the growing financial challenges facing dispensing practices, and how the practice transformed its dispensary from near break-even to sustainable profitability. Freddie shares how he unexpectedly became dispensary lead soon after becoming a partner and was tasked with determining whether the service should continue at all. Working alongside his dispensary team, family members and a data scientist, Freddie developed 'Dispensary Market', a tool that compares drug prices across multiple wholesalers, helping practices make smarter purchasing decisions. Freddie also explains how the tool has expanded beyond his own practice, remaining free for GP practices while helping improve both profitability and medication availability across dispensing sites. Introduction (0:08) Freddie's background and becoming dispensary lead (0:20) Why dispensing practices are under financial pressure (1:21) Rural challenges and workforce pressures (2:27) Discovering the true dispensary finances (3:07) Identifying purchasing inefficiencies and drug margins (4:01) From spreadsheets to building a solution (4:45) Developing Dispensary Market (5:27) Expanding wholesalers and improving margins (6:30) Implementing change with the dispensary team (7:21) How the platform works in practice (8:24) Why drug prices change constantly (9:24) Real-time pricing and system design (10:10) Early results and product evolution (10:44) Lessons in change management and user adoption (11:44) Rolling out to other practices (13:23) Keeping the platform free for GP practices (14:43) What is 'Dispensary Market' and how to access it (15:08) Uptake and current usage (16:11) Balancing GP work and running the platform (16:21) Supply chain benefits and stock availability (17:06) Closing reflections (18:10) Check out the 'Dispensary Market' website here. For all enquiries about the Ockham podcast, please contact Ben Gowland here.

*****TRIGGER WARNING***** This episode contains conversations describing domestic violence. Listener discretion is advised, please take care of yourself as you listen.In this episode, Maddie shares her profound journey from childhood experiences with alcohol to her struggles with addiction and the impact of family dynamics on her life. She recounts her early encounters with alcohol, the normalisation of substance use in her family, and the traumatic events that shaped her path. Maddie discusses the challenges of recovery, the search for identity, and the ongoing journey towards healing and reconciliation with her family. In this conversation, Maddie shares her profound journey through psychological abuse, addiction, and the path to sobriety. She reflects on her experiences with a verbally abusive partner, her struggles with alcohol, and the impact of her upbringing on her choices. Maddie discusses her transformation during pregnancy, the challenges of living in a small town, and the importance of community support in her recovery. She emphasises the significance of forgiveness, both for herself and her family, and the ongoing work required to heal from generational trauma. Ultimately, Maddie's story is one of resilience, self-discovery, and the power of change.For more resources such as coaching or to join the next HIQA challenge go towww.iquitalcohol.com.auFollow HIQA insta @howiquitalcohol Music for Podcast intro and outro written by Danni Carr performed by Mr CassidyIf you are struggling with physical dependancy on alcohol consider contacting a local AA meeting or a drug and alcohol therapist. Always consult a GP before stopping alcohol. Hosted on Acast. See acast.com/privacy for more information.

Gary Parrish and Kyle Boone open with another strange Darryn Peterson night and look at his one-and-done campaign as a whole. Then, GP and Kyle discuss UConn's uninspiring last few weeks before the Final Four And 1 previews Duke-Michigan, Houston-Arizona and more. (0:00) Intro + Strong jaw is here and will play the whole game (1:00) Darryn Peterson left another game…and Bill Self is over it (15:40) UConn took a home loss to Creighton…let's talk about the Huskies (23:45) Final Four And 1 + a Purdue sidebar (28:50) No. 4 Arizona @ No. 2 Houston (32:05) Missouri @ No. 20 Arkansas (42:25) No. 1 Michigan vs. No. 3 Duke (48:50) Ohio State @ No. 15 Michigan State (54:45) No. 6 Iowa State @ No. 23 BYU Theme song: “Timothy Leary,” written, performed and courtesy of Guster Eye on College Basketball is available for free on the Audacy app as well as Apple Podcasts, Spotify and wherever else you listen to podcasts. Follow our team: @EyeonCBBPodcast @GaryParrishCBS @MattNorlander @Boone @DavidWCobb @TheJMULL_ Visit the ⁠betting arena on CBSSports.com⁠ for all the latest in ⁠sportsbook reviews⁠ and ⁠sportsbook promos⁠ for ⁠betting on college basketball⁠. You can listen to us on your smart speakers! Simply say, “Alexa, play the latest episode of the Eye on College Basketball podcast,” or “Hey, Google, play the latest episode of the Eye on College Basketball podcast.” Email the show for any reason whatsoever: ShoutstoCBS@gmail.com Visit Eye on College Basketball's YouTube channel: ⁠https://www.youtube.com/channel/UCeFb_xyBgOekQPZYC7Ijilw⁠ For more college hoops coverage, visit ⁠https://www.cbssports.com/college-basketball/⁠ To hear more from the CBS Sports Podcast Network, visit ⁠https://www.cbssports.com/podcasts/ To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

In this episode of Potential to Powerhouse, Tracy Holland sits down with Laurel Mintz, Founder of Elevate My Brand and GP of Fabric VC, to discuss digital marketing strategy, venture capital funding, and scaling profitable brands in today's rapidly changing landscape. With nearly 20 years of experience and 400+ brands launched, Laurel shares how founders can build brand awareness on a budget, leverage niche communities like Reddit, and create high-conversion marketing funnels. They also dive into raising capital, why diverse founders generate 25% higher returns on average, and what investors are really looking for.. Plus, Laurel breaks down the future of AI in marketing, generative engine optimization (GEO), and how founders should prepare for major shifts in advertising and search in 2026. This episode is a must-listen for female entrepreneurs, startup founders, creators, and investors ready to scale with strategy and intention. Episode Highlights Building a digital marketing agency that scaled 400+ brands Community-driven brand growth and higher conversion rates Venture capital insights for diverse and female founders AI disruption, SEO vs. GEO, and the future of digital advertising Connect with Laurel Elevate My Brand: https://elevatemybrand.com Fabric VC: https://fabricvc.com Instagram: @elevatemybrand | @fabricventures Connect with Us Subscribe to the newsletter: potentialtopowerhouse.substack.com Follow the show: @PotentialToPowerhouse Connect with Tracy: @tracy_m_holland Loved this episode? Leave a review on Apple Podcasts or Spotify and help us amplify powerhouse female leaders.

GP opens on Grizz vs Jazz tonight where a lot of players will not be available + a really nice piece from Jaren Jackson Jr in the Player's Tribune(23:20) Jessica Benson joins to discuss her wild week (55:40) Penny Hardaway emotional after loss at USF, Purdue/Indiana, GP loves the Winter Olympics, Bears really might move to Indiana, and RIP Wes Rucker. (1:38:22) GP's Carry Out 

At Consensus Hong Kong 2026, David Sencil hosts a forward-looking discussion on how artificial intelligence is transforming finance and digital systems.Featuring:- Bryan Benson (CEO, Aurum)- Tobias Bauer (Co-Founder & GP, TBV)- Yat Siu (Chairman & Co-Founder, Animoca Brands)Topics include:- AI-native financial markets- The emergence of the agentic web- Stablecoins and global financial access- Digital identity and accountability- Centralization vs decentralization- Regulation and innovationAI is no longer optional for founders or financial institutions. It is becoming foundational infrastructure.Watch the full conversation to understand where finance is heading next.00:00 Introduction to AI and Finance02:50 The Underestimation of AI's Potential05:55 AI in Retail and Institutional Finance08:53 The Future of AI Finance12:02 Democratizing Financial Literacy through AI14:55 The Role of Blockchain in AI Finance18:13 The Evolution of the Internet of Value20:53 The Agentic Web and Its Implications23:47 Challenges and Concerns in AI and Finance28:43 Navigating AI Regulation and Its Challenges34:38 The Importance of Digital Identity in AI39:04 The Intersection of AI, Politics, and Regulation44:34 Integrating AI into Business Strategies51:57 The Future of AI: Opportunities and Challenges#Bitcoin #Crypto #ai

In this episode, the mates, along with guest Ben Horowitz, explore Elon Musk's shift to lunar AI data centers, mass drivers, O'Neill cylinders, Dyson swarms, and Optimus robots pioneering space. Get notified once we go live during Abundance360: https://www.abundance360.com/livestream  Get access to metatrends 10+ years before anyone else - https://qr.diamandis.com/metatrends   Peter H. Diamandis, MD, is the Founder of XPRIZE, Singularity University, ZeroG, and A360 Ben Horowitz is a cofounder and general partner at Andreessen Horowitz (a16z), NY Times bestseller author, and creator of the a16z Cultural Leadership Fund. Salim Ismail is the founder of OpenExO Dave Blundin is the founder & GP of Link Ventures Dr. Alexander Wissner-Gross is a computer scientist and founder of Reified – My companies: Apply to Dave's and my new fund:https://qr.diamandis.com/linkventureslanding   Go to Blitzy to book a free demo and start building today: https://qr.diamandis.com/blitzy   _ Connect with Peter: X Instagram Connect with Ben X Instagram Linkedin Learn about a16z Connect with Dave: X LinkedIn Connect with Salim: X Join Salim's Workshop to build your ExO  Connect with Alex Website LinkedIn X Email Substack  Spotify Threads Listen to MOONSHOTS: Apple YouTube – *Recorded on February 13th, 2026 *The views expressed by me and all guests are personal opinions and do not constitute Financial, Medical, or Legal advice. Learn more about your ad choices. Visit megaphone.fm/adchoices

GP opens on a fun night of College Hoops where potential lottery picks Darius Acuff, AJ Dybansta, Labaron Philon and more all went big + the Darryn Peterson saga got weirder at Kansas as he checked himself out of a game again. (22:40) Mike Wallace joins to talk Grizzlies return to action, draft prospects, Ja and more(46:50) Memphis at USF tonight, KD addresses burner accounts, Flagg jersey sells for $1M, LaMelo can't stop driving like a madman, and the former Prince Andrew was arrested in the UK(1:20:00) GP's Carry Out 

AI is transforming the world—but is it transforming privacy for better or for risk? We trust our GP with our deepest secrets, but can we extend that same trust to AI-powered systems and cloud-based suppliers? And if AI can re-identify people even in anonymized research data, is “anonymous” still real anymore? In this episode, Punit Bhatia and Tania Palmariellodiviney reveals how AI tools reshape confidentiality, integrity, availability, cloud sprawl, supplier risk, clinical transcription accuracy, re-identification, and even personal fears like voice-based deepfakes. The voice of experience rings clear: digital trust isn't a checkbox…it's engineered early with transparency, responsible data use, privacy by design, and safety by design. 

The mates do a live Moonshots episode and discuss OpenAI's acquisition of Openclaw, 400x cost reduction on ARC-AGI-1, and the AI Talent War Read the Solve Everything Paper: https://solveeverything.org/  Get notified once we go live during Abundance360: https://www.abundance360.com/livestream  Get access to metatrends 10+ years before anyone else - https://qr.diamandis.com/metatrends   Peter H. Diamandis, MD, is the Founder of XPRIZE, Singularity University, ZeroG, and A360 Salim Ismail is the founder of OpenExO Dave Blundin is the founder & GP of Link Ventures Dr. Alexander Wissner-Gross is a computer scientist and founder of Reified – My companies: Apply to Dave's and my new fund:https://qr.diamandis.com/linkventureslanding      Go to Blitzy to book a free demo and start building today: https://qr.diamandis.com/blitzy   _ Connect with Peter: X Instagram Connect with Dave: X LinkedIn Connect with Salim: X Join Salim's Workshop to build your ExO  Connect with Alex Website LinkedIn X Email Substack  Spotify Threads Youtube Listen to MOONSHOTS: Apple YouTube – *Recorded on February 10th, 2026 *The views expressed by me and all guests are personal opinions and do not constitute Financial, Medical, or Legal advice. Learn more about your ad choices. Visit megaphone.fm/adchoices

Seth Bradley interviews Ben Fraser, Managing Director and Chief Investment Officer at Aspen Funds, on how Aspen built a scalable fund-to-funds platform to support more than 40 independent capital aggregators in 2025 alone. Ben breaks down Aspen's macro-driven investment philosophy, how the firm evolved from distressed mortgage notes after the Great Financial Crisis into a multi-asset platform, and why focusing on tailwinds matters more than sticking to a single asset class. The conversation dives deep into the structural shift from co-GP capital raising to compliant fund-of-funds models, the importance of simplifying backend infrastructure for promoters, and why recurring cash-flowing products can unlock true scalability for capital raisers. Ben also shares where he sees the independent capital aggregator model heading as private market demand accelerates. Guest InfoBen FraserCurrent role: Managing Director & Chief Investment Officer, Aspen FundsBased in: United StatesSay hi to them at: https://aspenfunds.us | Invest Like a Billionaire Book your free demo today at bill.com/bestever and get a $100 Amazon gift card. Visit ⁠www.tribevestisc.com⁠ for more info. Try QUO for free PLUS get 20% off your first 6 months when you go to quo.com/BESTEVER  Join the Best Ever Community  The Best Ever Community is live and growing - and we want serious commercial real estate investors like you inside. It's free to join, but you must apply and meet the criteria.  Connect with top operators, LPs, GPs, and more, get real insights, and be part of a curated network built to help you grow. Apply now at⁠ ⁠⁠⁠www.bestevercommunity.com⁠⁠ Podcast production done by⁠ ⁠Outlier Audio⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Caleb Swartz started racing cyclocross when he was eight years old, but the discipline has been dwindling in the US since the 2010s, and the writing has been on the wall for any American racers wanting to make a sustainable career from it. Last year, Caleb started branching out into a few gravel events just to see where it would take him, and he ended up with two standout performances at Grand Prix races — 11th at Little Sugar and 6th at Big Sugar. This year, he's going all-in as one of the new faces on the GP roster. Payson sat down with Caleb after a surprise encounter in Girona to talk about how he's navigating training for a season unlike any he's ever done, how his years of hardscrabble work behind the scenes as a privateer have set him up for this moment, and the tough industry realities that have led him to transition away from cyclocross. They also talk about his collegiate racing days at Marian, graduating during the pandemic, and the high-speed crash he had at Big Sugar that didn't stop him from nearly making the podium.This episode was brought to you by Osprey and TrainingPeaks. Head to TrainingPeaks.com/withpace to sign up now.Instagram: @withpacepodcastYouTube: Payson McElveen Email: howdy@withpace.cc

TRIGGER WARNING: This episode contains explicit discussion surrounding issues including depression, postpartum psychosis and suicidal thoughts. This may prove a difficult listen for some and if you feel that listening may affect you negatively then please choose another episode.This week Giovanna sits down with Jade Lloyd for a powerful and deeply personal interview about her experience with postpartum psychosis. Jade tells Gi about her traumatic birth during COVID-19, followed by a descent into severe postpartum psychosis that required her being admitted to a mother and baby unit and sectioned.Postpartum psychosis is a psychiatric emergency that requires immediate intervention. If you are worried about yourself or a loved one it's important to speak to a health professional such as a GP, midwife or health visitor. If it's an emergency and you don't feel safe, call 999 or go straight to A&E. If Jade's story has resonated with you and you need help or support, please don't hesitate to use the resources below:Action on Postpartum Psychosis https://www.app-network.org/Pandas https://pandasfoundation.org.uk/Samaritans https://www.samaritans.orgMind UK https://www.mind.org.uk/ Hosted on Acast. See acast.com/privacy for more information.