Podcasts about implied

The Legal Labyrinth of Santa Claus: A Deep Dive into Christmas Eve's LegalitiesThis conversation explores the legal implications of Santa Claus's operations, analyzing how various areas of law apply to his mythical activities. From criminal trespass to product liability, the discussion delves into the complexities of implied consent, property rights, tort law, employment law, and privacy concerns, ultimately revealing how cultural norms and legal frameworks intersect in the context of Christmas traditions.Imagine a world where Santa Claus isn't just a mythical figure but a legal entity navigating the complex web of global laws. This blog post explores the hypothetical legal challenges Santa might face if his Christmas Eve operations were subject to modern legal scrutiny.Santa Claus: A Legal Person? In this thought experiment, we treat Santa as a legal person running a transnational manufacturing and logistics corporation. From property law to torts, we explore how Santa's actions, like landing on rooftops and entering homes, could be viewed through a legal lens.Implied Consent and Social Custom: One of the most intriguing aspects is the concept of implied consent. The widespread tradition of leaving cookies and milk for Santa suggests a social custom that might hold up in court as an implied license for entry. But what happens if a homeowner explicitly denies entry?The Naughty and Nice Database: Santa's operations extend beyond physical deliveries. The Naughty and Nice database raises significant privacy concerns, especially under laws like COPPA. How does Santa navigate the legal minefield of data collection and privacy?This exploration reveals that even the most whimsical traditions can be dissected through the lens of law. As we ponder these legal hypotheticals, we are reminded of the robust structure of law that governs human behavior, no matter how extraordinary.Subscribe Now: Stay tuned for more deep dives into the intersection of law and culture. Subscribe for the latest insights.TakeawaysThe law processes Santa Claus as a legal entity.Implied consent is crucial for Santa's operations.Social customs can create legal shields.Criminal intent is key in trespass cases.Santa's entry is protected by implied licenses.Property rights extend to airspace and chimneys.Negligence in tort law poses risks for Santa.Product liability applies to Santa's gifts.Employment law complicates the status of elves.Privacy concerns arise from Santa's surveillance practices.Santa Claus, law, implied consent, criminal law, property law, tort law, product liability, employment law, contract law, privacy

Authors : Anne Wilkins and K T Wagner Narrators : Alexis Goble and Jen Zink Host : Katherine Inskip Audio Producer : Andrew Jack Cast of Wonders 670: Little Wonders 47 – We Wish You a Creepy Christmas is a Cast of Wonders original. Implied harm to animals; Cannibalism Episode art adapted from an image […] Source

Guiding Question How can we cultivate true humility in our lives to experience God's peace, grace, and blessing, especially when faced with the pressures of having things “our way”? Summary This sermon explores the struggle of pride and self-will, highlighting how trying to have life “our way” leads to weariness, conflict, and emptiness. It presents the biblical principle of humility as a solution, focusing on Peter's teaching in 1 Peter 5:5-7. The message unfolds the three-fold process for developing humility: bowing under God's mighty hand, resting by casting our anxieties on Him, and expecting God's blessing at the proper time. Through this process, believers learn to surrender control, trust God's timing, and live in harmony with others and the Holy Spirit, leading to spiritual growth and unity. Outline: The Problem of Pride and Self-Will The weariness of insisting on “my way” How pride causes tension in personal and church relationships The danger of a competitive, self-focused mindset Peter's Call to Humility (1 Peter 5:5-7) Clothe yourself with humility of mind Humility as cooperating with God's will, not pushing our own The Three-Fold Process of Humility Bow: Submit your will to God's plan and purpose Rest: Cast all anxieties and worries on God because He cares Expect: Trust in God's perfect timing for blessing and exaltation Living the Process The struggle with “what if” fears after deciding to humble ourselves God's care and desire for us to respond rightly The importance of patience and faith in God's “proper time” Illustration of the man who found someone to worry for him (God) Encouragement and Invitation God's promise to exalt those who humble themselves A call to surrender and experience true rest Prayer for unity and love within the church Key Takeaways Pride and insisting on having things “our way” leads to conflict, weariness, and spiritual emptiness. True humility involves a deliberate process: bowing our will to God, resting in His care by casting anxieties on Him, and expecting blessing at His appointed time. God cares deeply about our struggles and wants us to respond rightly, even when life is difficult. Trusting God's timing requires faith and patience; blessings and changes may take time to appear. Humility fosters harmony in personal relationships and within the church, reflecting Christ's character. Casting our worries on God frees us from burdens and empowers us to live peaceably and faithfully. Scriptural References 1 Peter 5:5-7 — The core passage teaching humility: bowing under God's mighty hand, casting anxieties on Him, and trusting His care. James 4:6 — “God opposes the proud but gives grace to the humble.” (Implied in the sermon's theme) Philippians 2:3-4 — Valuing others above ourselves, putting others' needs before our own (supporting the humility and unity message) Matthew 11:28-30 — Jesus invites the weary to find rest in Him, echoing the rest theme. Proverbs 3:5-6 — Trust in the Lord and submit to His way, supporting the bowing process. Recorded 11/23/80

Kinsella on Liberty Podcast: Episode 480. This is my talk at the Liberland Constitution Christmas Party Prague 2025, Dec. 19, 2025, based on the article below, which will be included in the book based on the proceedings, First Constitutional Convention of the Free Republic of Liberland, Vít Jedlička, ed. (Dec. 19, 2025; forthcoming). The transcript is also below. Pictures of the event may be be found at Prague 2025: Liberland Constitution Celebration: Photos; also Hoppe, Fusillo, Kinsella Speak at Liberland Constitution Celebration, and Vit's post at Facebook and my facebook post. This audio is from my iphone; video and better audio, and that of other talks, will be released in due course. Related: First Constitutional Convention of the Free Republic of Liberland, Vít Jedlička, ed. (Dec. 19, 2025; forthcoming) (google docs version) Liberland press release Liberland Prepares for a Historic Christmas Celebration and Constitutional Milestone Prague 2025: Liberland Constitution Celebration: Photos Liberland Constitution Christmas Party Prague 2025 Hoppe, Fusillo, Kinsella Speak at Liberland Constitution Celebration Fusillo on the Universal Principles of Liberty and Liberland KOL478 | Haman Nature Hn 185: The Universal Principles of Liberty KOL474 | Where The Common Law Goes Wrong (PFS 2025) Libertarian Nation and Related Projects KOL473 | The Universal Principles of Liberty, with Mark Maresca of The White Pillbox Announcing the Universal Principles of Liberty As noted in Liberland Constitution Christmas Party Prague 2025, despite my frequent criticisms of libertarian activists and activism over the years, and despite my preference for the theoretical side of things, I've been involved in various activist projects for over the years, including helping to draft early versions of the Liberland Constitution. (( The Voluntaryist Constitution. )) I've met Liberland's President, Vít Jedlička, and previous meetings of the Property and Freedom Society. At this year's PFS meeting, he invited me, Alessandro Fusillo, and Hans-Hermann Hoppe to the Liberland meeting in Prague this December. We did attend. It was a marvelous event. Related: My Failed Libertarian Speaking Hiatus; Memories of Mises Institute and Other Events, 1988–20192025 KOL345 | Kinsella's Libertarian “Constitution” or: State Constitutions vs. the Libertarian Private Law Code (PorcFest 2021) KOL359 | State Constitutions vs. the Libertarian Private Law Code (PFS 2021) The Liberland Constitution and Libertarian Principles Stephan Kinsella[*] Remarks prepared for the Liberland Christmas Party and Constitutional Reading, Prague, Dec. 19, 2025   I would like to discuss the issue of “constitutions” and states, and their relation to human freedom. I. Man, Action, and Freedom A. Acting Man A free society has long been the aspiration and dream of liberals of all types, including modern libertarians.[2] What exactly is freedom? To understand this we must understand the nature of human action in the world. Man finds himself in a world of scarcity and hardship, where nothing is guaranteed to him—neither food, nor shelter, nor safety, nor survival. Acting man is aware of his present state and the world around him, of the receding past, and the coming future. He lives in the present, always moving from the immediate past into the coming future. He constantly faces uneasiness in his present condition and about the future anticipates is coming. He is neither omnipotent nor omniscient, as implied by the existence of scarcity and uneasiness, and yet he can act: he can acquire knowledge: he can learn what ends are possible and what scarce means (resources) can cause things to happen. He can use his body, which he directly controls, and he can acquire and possess and use resources in the world by grappling with them using his body, to make things happen—to give rise to a different future than the one he foresees will arrive without his intervention.[3] Knowledge about the world—about causal laws, recipes, facts about the world and his environment, about possible ends he could choose and possible means he could employ—and the availability and employment of causally efficacious resources together make successful human action possible.[4] It makes possible the achievement of ends and the alleviation of felt uneasiness. By using one's mind and body it is possible to succeed, to achieve what Mises would term psychic proft.[5] B. Acting Man in Isolation For Crusoe on his island what concerns acting man is causal and technical knowledge, and knowledge about contingent facts in his world—and the availability of means of action. For him he may face wild animals, injury, lightning and storms and drought and disease, and any number of challenges, but the concept of freedom does not arise. There is only successful action, or profit, and life; and loss and failure, and death. C. Acting Man in Society With the presence of other people man, the social animal, can benefit from the comforts of society, from collective cooperation, from intercourse and trade, from the division and specialization of labor. But there is also the possibility of violent conflict over the use of the scarce means of action that are essential for successful human action. Other people are a potential benefit but also a potential threat. Perhaps because men are social animals have some empathy for others, and perhaps because they understand that violence is not productive, they prefer peaceful and productive use of resources, trade, and cooperation to violence, conflict, and strife.[6] Thus there tends to emerge in society the institution of property rights: widespread social respect for and mutual recognition of property rights rooted in original appropriation and contractual title transfer.[7] Unfortunately, this tends to give rise to an agency—the state—that claims the right to tax and to ultimate decision-making and law-making. As Hoppe notes, Let me begin with the definition of a state. What must an agent be able to do to qualify as a state? This agent must be able to insist that all conflicts among the inhabitants of a given territory be brought to him for ultimate decision-making or be subject to his final review. In particular, this agent must be able to insist that all conflicts involving himself be adjudicated by him or his agent. And implied in the power to exclude all others from acting as ultimate judge, as the second defining characteristic of a state, is the agent's power to tax: to unilaterally determine the price that justice seekers must pay for his services. Based on this definition of a state, it is easy to understand why a desire to control a state might exist. For whoever is a monopolist of final arbitration within a given territory can make laws. And he who can legislate can also tax. Surely, this is an enviable position.[8] The purpose of property rights, of justice, is to permit men to use their own bodies and peacefully acquired (meaning: acquired by original appropriation, which violates no one's rights as the resource is unowned; or by consensual contractual transfer from a previous owner, which also violates no one's rights as the owner consents to the transfer) scarce means without conflict from others. It is so that men are free to use their own bodies or resources without interference from others. II. Freedom in Society Thus terms like freedom and liberty denote a state of affairs where acting man is free to use his body and other scarce resources in the world without physical interference by others—without conflict. It refers to a world where men are free from interference by private trespassers and also free from institutionalized interference by a state. Freedom and liberty just mean the absence of aggression with private property rights. Ideally, a free society means having either no state at all or a minimal state (minarchy) restricted to preventing aggression defined in terms of property rights,[9] and in a society with a largely libertarian ethos and minimal private crime. In such a society there is widespread liberty because there is little private crime and little to no institutionalize crime. A. Freedom and State Aggression But we live in a world governed by non-minimal states. They control most habitable territory on the earth. They compel membership and payment of taxes and monopolize their services, outlawing competitors. By legislative decree, these states prohibit not only acts that are malum in se but acts that are merely malum prohibitum. Although the justification for the agency that polices crime is to reduce aggression by private trespassers, with the state there is more private crime than there would be otherwise, because states are necessarily inefficient an also because they criminalize non-criminal actions.[10] All states are, in fact, criminal (and even minimal states would be criminal, even if they managed to ever emerge); all states engage in institutionalized aggression against private property rights. As Hoppe notes: socialism, by no means an invention of nineteenth century Marxism but much older, must be conceptualized as an institutionalized interference with or aggression against private property and private property claims. Capitalism, on the other hand, is a social system based on the explicit recognition of private property and of nonaggressive, contractual exchanges between private property owners. Implied in this remark, as will become clear in the course of this treatise, is the belief that there must then exist varying types and degrees of socialism and capitalism, i.e., varying degrees to which private property rights are respected or ignored. Societies are not simply capitalist or socialist. Indeed, all existing societies are socialist to some extent. … Next to the concept of action, property is the most basic category in the social sciences.

Gregory Copley. Gregory Copley discusses King Charles's recent video regarding his cancer, noting the King implied success with early detection and a reduction in future treatments. Dismissing social media panic, Copley explains the King remains in command and is more likely to die with the disease than of it.

TLDR: It was Claude :-)When I set out to compare ChatGPT, Claude, Gemini, Grok, and ChatPRD for writing Product Requirement Documents, I figured they'd all be roughly equivalent. Maybe some subtle variations in tone or structure, but nothing earth-shattering. They're all built on similar transformer architectures, trained on massive datasets, and marketed as capable of handling complex business writing.What I discovered over 45 minutes of hands-on testing revealed not just which tools are better for PRD creation, but why they're better, and more importantly, how you should actually be using AI to accelerate your product work without sacrificing quality or strategic thinking.If you're an early or mid-career PM in Silicon Valley, this matters to you. Because here's the uncomfortable truth: your peers are already using AI to write PRDs, analyze features, and generate documentation. The question isn't whether to use these tools. The question is whether you're using the right ones most effectively.So let me walk you through exactly what I did, what I learned, and what you should do differently.The Setup: A Real-World Test CaseHere's how I structured the experiment. As I said at the beginning of my recording, “We are back in the Fireside PM podcast and I did that review of the ChatGPT browser and people seemed to like it and then I asked, uh, in a poll, I think it was a LinkedIn poll maybe, what should my next PM product review be? And, people asked for ChatPRD.”So I had my marching orders from the audience. But I wanted to make this more comprehensive than just testing ChatPRD in isolation. I opened up five tabs: ChatGPT, Claude, Gemini, Grok, and ChatPRD.For the test case, I chose something realistic and relevant: an AI-powered tutor for high school students. Think KhanAmigo or similar edtech platforms. This gave me a concrete product scenario that's complex enough to stress-test these tools but straightforward enough that I could iterate quickly.But here's the critical part that too many PMs get wrong when they start using AI for product work: I didn't just throw a single sentence at these tools and expect magic.The “Back of the Napkin” Approach: Why You Still Need to Think“I presume everybody agrees that you should have some formulated thinking before you dump it into the chatbot for your PRD,” I noted early in my experiment. “I suppose in the future maybe you could just do, like, a one-sentence prompt and come out with the perfect PRD because it would just know everything about you and your company in the context, but for now we're gonna do this more, a little old-school AI approach where we're gonna do some original human thinking.”This is crucial. I see so many PMs, especially those newer to the field, treat AI like a magic oracle. They type in “Write me a PRD for a social feature” and then wonder why the output is generic, unfocused, and useless.Your job as a PM isn't to become obsolete. It's to become more effective. And that means doing the strategic thinking work that AI cannot do for you.So I started in Google Docs with what I call a “back of the napkin” PRD structure. Here's what I included:Why: The strategic rationale. In this case: “Want to complement our existing edtech business with a personalized AI tutor, uh, want to maintain position industry, and grow through innovation. on mission for learners.”Target User: Who are we building for? “High school students interested in improving their grades and fundamentals. Fundamental knowledge topics. Specifically science and math. Students who are not in the top ten percent, nor in the bottom ten percent.”This is key—I got specific. Not just “students,” but students in the middle 80%. Not just “any subject,” but science and math. This specificity is what separates useful AI output from garbage.Problem to Solve: What's broken? “Students want better grades. Students are impatient. Students currently use AI just for finding the answers and less to, uh, understand concepts and practice using them.”Key Elements: The feature set and approach.Success Metrics: How we'd measure success.Now, was this a perfectly polished PRD outline? Hell no. As you can see from my transcript, I was literally thinking out loud, making typos, restructuring on the fly. But that's exactly the point. I put in maybe 10-15 minutes of human strategic thinking. That's all it took to create a foundation that would dramatically improve what came out of the AI tools.Round One: Generating the Full PRDWith my back-of-the-napkin outline ready, I copied it into each tool with a simple prompt asking them to expand it into a more complete PRD.ChatGPT: The Reliable GeneralistChatGPT gave me something that was... fine. Competent. Professional. But also deeply uninspiring.The document it produced checked all the boxes. It had the sections you'd expect. The writing was clear. But when I read it, I couldn't shake the feeling that I was reading something that could have been written for literally any product in any company. It felt like “an average of everything out there,” as I noted in my evaluation.Here's what ChatGPT did well: It understood the basic structure of a PRD. It generated appropriate sections. The grammar and formatting were clean. If you needed to hand something in by EOD and had literally no time for refinement, ChatGPT would save you from complete embarrassment.But here's what it lacked: Depth. Nuance. Strategic thinking that felt connected to real product decisions. When it described the target user, it used phrases that could apply to any edtech product. When it outlined success metrics, they were the obvious ones (engagement, retention, test scores) without any interesting thinking about leading indicators or proxy metrics.The problem with generic output isn't that it's wrong, it's that it's invisible. When you're trying to get buy-in from leadership or alignment from engineering, you need your PRD to feel specific, considered, and connected to your company's actual strategy. ChatGPT's output felt like it was written by someone who'd read a lot of PRDs but never actually shipped a product.One specific example: When I asked for success metrics, ChatGPT gave me “Student engagement rate, Time spent on platform, Test score improvement.” These aren't wrong, but they're lazy. They don't show any thinking about what specifically matters for an AI tutor versus any other educational product. Compare that to Claude's output, which got more specific about things like “concept mastery rate” and “question-to-understanding ratio.”Actionable Insight: Use ChatGPT when you need fast, serviceable documentation that doesn't need to be exceptional. Think: internal updates, status reports, routine communications. Don't rely on it for strategic documents where differentiation matters. If you do use ChatGPT for important documents, treat its output as a starting point that needs significant human refinement to add strategic depth and company-specific context.Gemini: Better Than ExpectedGoogle's Gemini actually impressed me more than I anticipated. The structure was solid, and it had a nice balance of detail without being overwhelming.What Gemini got right: The writing had a nice flow to it. The document felt organized and logical. It did a better job than ChatGPT at providing specific examples and thinking through edge cases. For instance, when describing the target user, it went beyond demographics to consider behavioral characteristics and motivations.Gemini also showed some interesting strategic thinking. It considered competitive positioning more thoughtfully than ChatGPT and proposed some differentiation angles that weren't in my original outline. Good AI tools should add insight, not just regurgitate your input with better formatting.But here's where it fell short: the visual elements. When I asked for mockups, Gemini produced images that looked more like stock photos than actual product designs. They weren't terrible, but they weren't compelling either. They had that AI-generated sheen that makes it obvious they came from an image model rather than a designer's brain.For a PRD that you're going to use internally with a team that already understands the context, Gemini's output would work well. The text quality is strong enough, and if you're in the Google ecosystem (Docs, Sheets, Meet, etc.), the integration is seamless. You can paste Gemini's output directly into Google Docs and continue iterating there.But if you need to create something compelling enough to win over skeptics or secure budget, Gemini falls just short. It's good, but not great. It's the solid B+ student: reliably competent but rarely exceptional.Actionable Insight: Gemini is a strong choice if you're working in the Google ecosystem and need good integration with Docs, Sheets, and other Google Workspace tools. The quality is sufficient for most internal documentation needs. It's particularly good if you're working with cross-functional partners who are already in Google Workspace. You can share and collaborate on AI-generated drafts without friction. But don't expect visual mockups that will wow anyone, and plan to add your own strategic polish for high-stakes documents.Grok: Not Ready for Prime TimeLet's just say my expectations were low, and Grok still managed to underdeliver. The PRD felt thin, generic, and lacked the depth you need for real product work.“I don't have high expectations for grok, unfortunately,” I said before testing it. Spoiler alert: my low expectations were validated.Actionable Insight: Skip Grok for product documentation work right now. Maybe it'll improve, but as of my testing, it's simply not competitive with the other options. It felt like 1-2 years behind the others.ChatPRD: The Specialized ToolNow this was interesting. ChatPRD is purpose-built for PRDs, using foundational models underneath but with specific tuning and structure for product documentation.The result? The structure was logical, the depth was appropriate, and it included elements that showed understanding of what actually matters in a PRD. As I reflected: “Cause this one feels like, A human wrote this PRD.”The interface guides you through the process more deliberately than just dumping text into a general chat interface. It asks clarifying questions. It structures the output more thoughtfully.Actionable Insight: If you're a technical lead without a dedicated PM, or you're a PM who wants a more structured approach to using AI for PRDs, ChatPRD is worth the specialized focus. It's particularly good when you need something that feels authentic enough to share with stakeholders without heavy editing.Claude: The Clear WinnerBut the standout performer, and I'm ranking these, was Claude.“I think we know that for now, I'm gonna say Claude did the best job,” I concluded after all the testing. Claude produced the most comprehensive, thoughtful, and strategically sound PRD. But what really set it apart were the concept mocks.When I asked each tool to generate visual mockups of the product, Claude produced HTML prototypes that, while not fully functional, looked genuinely compelling. They had thoughtful UI design, clear information architecture, and felt like something that could actually guide development.“They were, like, closer to, like, what a Lovable would produce or something like that,” I noted, referring to the quality of low-fidelity prototypes that good designers create.The text quality was also superior: more nuanced, better structured, and with more strategic depth. It felt like Claude understood not just what a PRD should contain, but why it should contain those elements.Actionable Insight: For any PRD that matters, meaning anything you'll share with leadership, use to get buy-in, or guide actual product development, you might as well start with Claude. The quality difference is significant enough that it's worth using Claude even if you primarily use another tool for other tasks.Final Rankings: The Definitive HierarchyAfter testing all five tools on multiple dimensions: initial PRD generation, visual mockups, and even crafting a pitch paragraph for a skeptical VP of Engineering, here's my final ranking:* Claude - Best overall quality, most compelling mockups, strongest strategic thinking* ChatPRD - Best for structured PRD creation, feels most “human”* Gemini - Solid all-around performance, good Google integration* ChatGPT - Reliable but generic, lacks differentiation* Grok - Not competitive for this use case“I'd probably say Claude, then chat PRD, then Gemini, then chat GPT, and then Grock,” I concluded.The Deeper Lesson: Garbage In, Garbage Out (Still Applies)But here's what matters more than which tool wins: the realization that hit me partway through this experiment.“I think it really does come down to, like, you know, the quality of the prompt,” I observed. “So if our prompt were a little more detailed, all that were more thought-through, then I'm sure the output would have been better. But as you can see we didn't really put in brain trust prompting here. Just a little bit of, kind of hand-wavy prompting, but a little better than just one or two sentences.”And we still got pretty good results.This is the meta-insight that should change how you approach AI tools in your product work: The quality of your input determines the quality of your output, but the baseline quality of the tool determines the ceiling of what's possible.No amount of great prompting will make Grok produce Claude-level output. But even mediocre prompting with Claude will beat great prompting with lesser tools.So the dual strategy is:* Use the best tool available (currently Claude for PRDs)* Invest in improving your prompting skills ideally with as much original and insightful human, company aware, and context aware thinking as possible.Real-World Workflows: How to Actually Use This in Your Day-to-Day PM WorkTheory is great. Here's how to incorporate these insights into your actual product management workflows.The Weekly Sprint Planning WorkflowEvery PM I know spends hours each week preparing for sprint planning. You need to refine user stories, clarify acceptance criteria, anticipate engineering questions, and align with design and data science. AI can compress this work significantly.Here's an example workflow:Monday morning (30 minutes):* Review upcoming priorities and open your rough notes/outline in Google Docs* Open Claude and paste your outline with this prompt:“I'm preparing for sprint planning. Based on these priorities [paste notes], generate detailed user stories with acceptance criteria. Format each as: User story, Business context, Technical considerations, Acceptance criteria, Dependencies, Open questions.”Monday afternoon (20 minutes):* Review Claude's output critically* Identify gaps, unclear requirements, or missing context* Follow up with targeted prompts:“The user story about authentication is too vague. Break it down into separate stories for: social login, email/password, session management, and password reset. For each, specify security requirements and edge cases.”Tuesday morning (15 minutes):* Generate mockups for any UI-heavy stories:“Create an HTML mockup for the login flow showing: landing page, social login options, email/password form, error states, and success redirect.”* Even if the HTML doesn't work perfectly, it gives your designers a starting pointBefore sprint planning (10 minutes):* Ask Claude to anticipate engineering questions:“Review these user stories as if you're a senior engineer. What questions would you ask? What concerns would you raise about technical feasibility, dependencies, or edge cases?”* This preparation makes you look thoughtful and helps the meeting run smoothlyTotal time investment: ~75 minutes. Typical time saved: 3-4 hours compared to doing this manually.The Stakeholder Alignment WorkflowGetting alignment from multiple stakeholders (product leadership, engineering, design, data science, legal, marketing) is one of the hardest parts of PM work. AI can help you think through different stakeholder perspectives and craft compelling communications for each.Here's how:Step 1: Map your stakeholders (10 minutes)Create a quick table in a doc:Stakeholder | Primary Concern | Decision Criteria | Likely Objections VP Product | Strategic fit, ROI | Company OKRs, market opportunity | Resource allocation vs other priorities VP Eng | Technical risk, capacity | Engineering capacity, tech debt | Complexity, unclear requirements Design Lead | User experience | User research, design principles | Timeline doesn't allow proper design process Legal | Compliance, risk | Regulatory requirements | Data privacy, user consent flowsStep 2: Generate stakeholder-specific communications (20 minutes)For each key stakeholder, ask Claude:“I need to pitch this product idea to [Stakeholder]. Based on this PRD, create a 1-page brief addressing their primary concern of [concern from your table]. Open with the specific value for them, address their likely objection of [objection], and close with a clear ask. Tone should be [professional/technical/strategic] based on their role.”Then you'll have customized one-pagers for your pre-meetings with each stakeholder, dramatically increasing your alignment rate.Step 3: Synthesize feedback (15 minutes)After gathering stakeholder input, ask Claude to help you synthesize:“I got the following feedback from stakeholders: [paste feedback]. Identify: (1) Common themes, (2) Conflicting requirements, (3) Legitimate concerns vs organizational politics, (4) Recommended compromises that might satisfy multiple parties.”This pattern-matching across stakeholder feedback is something AI does really well and saves you hours of mental processing.The Quarterly Planning WorkflowQuarterly or annual planning is where product strategy gets real. You need to synthesize market trends, customer feedback, technical capabilities, and business objectives into a coherent roadmap. AI can accelerate this dramatically.Six weeks before planning:* Start collecting input (customer interviews, market research, competitive analysis, engineering feedback)* Don't wait until the last minuteFour weeks before planning:Dump everything into Claude with this structure:“I'm creating our Q2 roadmap. Context:* Business objectives: [paste from leadership]* Customer feedback themes: [paste synthesis]* Technical capabilities/constraints: [paste from engineering]* Competitive landscape: [paste analysis]* Current product gaps: [paste from your analysis]Generate 5 strategic themes that could anchor our Q2 roadmap. For each theme:* Strategic rationale (how it connects to business objectives)* Key initiatives (2-3 major features/projects)* Success metrics* Resource requirements (rough estimate)* Risks and mitigations* Customer segments addressed”This gives you a strategic framework to react to rather than starting from a blank page.Three weeks before planning:Iterate on the most promising themes:“Deep dive on Theme 3. Generate:* Detailed initiative breakdown* Dependencies on platform/infrastructure* Phasing options (MVP vs full build)* Go-to-market considerations* Data requirements* Open questions requiring research”Two weeks before planning:Pressure-test your thinking:“Play devil's advocate on this roadmap. What are the strongest arguments against each initiative? What am I likely missing? What failure modes should I plan for?”This adversarial prompting forces you to strengthen weak points before your leadership reviews it.One week before planning:Generate your presentation:“Create an executive presentation for this roadmap. Structure: (1) Market context and strategic imperative, (2) Q2 themes and initiatives, (3) Expected outcomes and metrics, (4) Resource requirements, (5) Key risks and mitigations, (6) Success criteria for decision. Make it compelling but data-driven. Tone: confident but not overselling.”Then add your company-specific context, visual brand, and personal voice.The Customer Research WorkflowAI can't replace talking to customers, but it can help you prepare better questions, analyze feedback more systematically, and identify patterns faster.Before customer interviews:“I'm interviewing customers about [topic]. Generate:* 10 open-ended questions that avoid leading the witness* 5 follow-up questions for each main question* Common cognitive biases I should watch for* A framework for categorizing responses”This prep work helps you conduct better interviews.After interviews:“I conducted 15 customer interviews. Here are the key quotes: [paste anonymized quotes]. Identify:* Recurring themes and patterns* Surprising insights that contradict our assumptions* Segments with different needs* Implied needs customers didn't articulate directly* Recommended next steps for validation”AI is excellent at pattern-matching across qualitative data at scale.The Crisis Management WorkflowSomething broke. The site is down. Data was lost. A feature shipped with a critical bug. You need to move fast.Immediate response (5 minutes):“Critical incident. Details: [brief description]. Generate:* Incident classification (Sev 1-4)* Immediate stakeholders to notify* Draft customer communication (honest, apologetic, specific about what happened and what we're doing)* Draft internal communication for leadership* Key questions to ask engineering during investigation”Having these drafted in 5 minutes lets you focus on coordination and decision-making rather than wordsmithing.Post-incident (30 minutes):“Write a post-mortem based on this incident timeline: [paste timeline]. Include:* What happened (technical details)* Root cause analysis* Impact quantification (users affected, revenue impact, time to resolution)* What went well in our response* What could have been better* Specific action items with owners and deadlines* Process changes to prevent recurrence Tone: Blameless, focused on learning and improvement.”This gives you a strong first draft to refine with your team.Common Pitfalls: What Not to Do with AI in Product ManagementNow let's talk about the mistakes I see PMs making with AI tools. Pitfall #1: Treating AI Output as FinalThe biggest mistake is copy-pasting AI output directly into your PRD, roadmap presentation, or stakeholder email without critical review.The result? Documents that are grammatically perfect but strategically shallow. Presentations that sound impressive but don't hold up under questioning. Emails that are professionally worded but miss the subtext of organizational politics.The fix: Always ask yourself:* Does this reflect my actual strategic thinking, or generic best practices?* Would my CEO/engineering lead/biggest customer find this compelling and specific?* Are there company-specific details, customer insights, or technical constraints that only I know?* Does this sound like me, or like a robot?Add those elements. That's where your value as a PM comes through.Pitfall #2: Using AI as a Crutch Instead of a ToolSome PMs use AI because they don't want to think deeply about the product. They're looking for AI to do the hard work of strategy, prioritization, and trade-off analysis.This never works. AI can help you think more systematically, but it can't replace thinking.If you find yourself using AI to avoid wrestling with hard questions (”Should we build X or Y?” “What's our actual competitive advantage?” “Why would customers switch from the incumbent?”), you're using it wrong.The fix: Use AI to explore options, not to make decisions. Generate three alternatives, pressure-test each one, then use your judgment to decide. The AI can help you think through implications, but you're still the one choosing.Pitfall #3: Not IteratingGetting mediocre AI output and just accepting it is a waste of the technology's potential.The PMs who get exceptional results from AI are the ones who iterate. They generate an initial response, identify what's weak or missing, and ask follow-up questions. They might go through 5-10 iterations on a key section of a PRD.Each iteration is quick (30 seconds to type a follow-up prompt, 30 seconds to read the response), but the cumulative effect is dramatically better output.The fix: Budget time for iteration. Don't try to generate a complete, polished PRD in one prompt. Instead, generate a rough draft, then spend 30 minutes iterating on specific sections that matter most.Pitfall #4: Ignoring the Political and Human ContextAI tools have no understanding of organizational politics, interpersonal relationships, or the specific humans you're working with.They don't know that your VP of Engineering is burned out and skeptical of any new initiatives. They don't know that your CEO has a personal obsession with a specific competitor. They don't know that your lead designer is sensitive about not being included early enough in the process.If you use AI-generated communications without layering in this human context, you'll create perfectly worded documents that land badly because they miss the subtext.The fix: After generating AI content, explicitly ask yourself: “What human context am I missing? What relationships do I need to consider? What political dynamics are in play?” Then modify the AI output accordingly.Pitfall #5: Over-Relying on a Single ToolDifferent AI tools have different strengths. Claude is great for strategic depth, ChatPRD is great for structure, Gemini integrates well with Google Workspace.If you only ever use one tool, you're missing opportunities to leverage different strengths for different tasks.The fix: Keep 2-3 tools in your toolkit. Use Claude for important PRDs and strategic documents. Use Gemini for quick internal documentation that needs to integrate with Google Docs. Use ChatPRD when you want more guided structure. Match the tool to the task.Pitfall #6: Not Fact-Checking AI OutputAI tools hallucinate. They make up statistics, misrepresent competitors, and confidently state things that aren't true. If you include those hallucinations in a PRD that goes to leadership, you look incompetent.The fix: Fact-check everything, especially:* Statistics and market data* Competitive feature claims* Technical capabilities and limitations* Regulatory and compliance requirementsIf the AI cites a number or makes a factual claim, verify it independently before including it in your document.The Meta-Skill: Prompt Engineering for PMsLet's zoom out and talk about the underlying skill that makes all of this work: prompt engineering.This is a real skill. The difference between a mediocre prompt and a great prompt can be 10x difference in output quality. And unlike coding or design, where there's a steep learning curve, prompt engineering is something you can get good at quickly.Principle 1: Provide Context Before InstructionsBad prompt:“Write a PRD for an AI tutor”Good prompt:“I'm a PM at an edtech company with 2M users, primarily high school students. We're exploring an AI tutor feature to complement our existing video content library and practice problems. Our main competitors are Khan Academy and Course Hero. Our differentiation is personalized learning paths based on student performance data.Write a PRD for an AI tutor feature targeting students in the middle 80% academically who struggle with science and math.”The second prompt gives Claude the context it needs to generate something specific and strategic rather than generic.Principle 2: Specify Format and ConstraintsBad prompt:“Generate success metrics”Good prompt:“Generate 5-7 success metrics for this feature. Include a mix of:* Leading indicators (early signals of success)* Lagging indicators (definitive success measures)* User behavior metrics* Business impact metricsFor each metric, specify: name, definition, target value, measurement method, and why it matters.”The structure you provide shapes the structure you get back.Principle 3: Ask for Multiple OptionsBad prompt:“What should our Q2 priorities be?”Good prompt:“Generate 3 different strategic approaches for Q2:* Option A: Focus on user acquisition* Option B: Focus on engagement and retention* Option C: Focus on monetizationFor each option, detail: key initiatives, expected outcomes, resource requirements, risks, and recommendation for or against.”Asking for multiple options forces the AI (and forces you) to think through trade-offs systematically.Principle 4: Specify Audience and ToneBad prompt:“Summarize this PRD”Good prompt:“Create a 1-paragraph summary of this PRD for our skeptical VP of Engineering. Tone: Technical, concise, addresses engineering concerns upfront. Focus on: technical architecture, resource requirements, risks, and expected engineering effort. Avoid marketing language.”The audience and tone specification ensures the output will actually work for your intended use.Principle 5: Use Iterative RefinementDon't try to get perfect output in one prompt. Instead:First prompt: Generate rough draft Second prompt: “This is too generic. Add specific examples from [our company context].” Third prompt: “The technical section is weak. Expand with architecture details and dependencies.” Fourth prompt: “Good. Now make it 30% more concise while keeping the key details.”Each iteration improves the output incrementally.Let me break down the prompting approach that worked in this experiment, because this is immediately actionable for your work tomorrow.Strategy 1: The Structured Outline ApproachDon't go from zero to full PRD in one prompt. Instead:* Start with strategic thinking - Spend 10-15 minutes outlining why you're building this, who it's for, and what problem it solves* Get specific - Don't say “users,” say “high school students in the middle 80% of academic performance”* Include constraints - Budget, timeline, technical limitations, competitive landscape* Dump your outline into the AI - Now ask it to expand into a full PRD* Iterate section by section - Don't try to perfect everything at onceThis is exactly what I did in my experiment, and even with my somewhat sloppy outline, the results were dramatically better than they would have been with a single-sentence prompt.Strategy 2: The Comparative Analysis PatternOne technique I used that worked particularly well: asking each tool to do the same specific task and comparing results.For example, I asked all five tools: “Please compose a one paragraph exact summary I can share over DM with a highly influential VP of engineering who is generally a skeptic but super smart.”This forced each tool to synthesize the entire PRD into a compelling pitch while accounting for a specific, challenging audience. The variation in quality was revealing—and it gave me multiple options to choose from or blend together.Actionable tip: When you need something critical (a pitch, an executive summary, a key decision framework), generate it with 2-3 different AI tools and take the best elements from each. This “ensemble approach” often produces better results than any single tool.Strategy 3: The Iterative Refinement LoopDon't treat the AI output as final. Use it as a first draft that you then refine through conversation with the AI.After getting the initial PRD, I could have asked follow-up questions like:* “What's missing from this PRD?”* “How would you strengthen the success metrics section?”* “Generate 3 alternative approaches to the core feature set”Each iteration improves the output and, more importantly, forces me to think more deeply about the product.What This Means for Your CareerIf you're an early or mid-career PM reading this, you might be thinking: “Great, so AI can write PRDs now. Am I becoming obsolete?”Absolutely not. But your role is evolving, and understanding that evolution is critical.The PMs who will thrive in the AI era are those who:* Excel at strategic thinking - AI can generate options, but you need to know which options align with company strategy, customer needs, and technical feasibility* Master the art of prompting - This is a genuine skill that separates mediocre AI users from exceptional ones* Know when to use AI and when not to - Some aspects of product work benefit enormously from AI. Others (user interviews, stakeholder negotiation, cross-functional relationship building) require human judgment and empathy* Can evaluate AI output critically - You need to spot the hallucinations, the generic fluff, and the strategic misalignments that AI inevitably producesThink of AI tools as incredibly capable interns. They can produce impressive work quickly, but they need direction, oversight, and strategic guidance. Your job is to provide that guidance while leveraging their speed and breadth.The Real-World Application: What to Do Monday MorningLet's get tactical. Here's exactly how to apply these insights to your actual product work:For Your Next PRD:* Block 30 minutes for strategic thinking - Write your back-of-the-napkin outline in Google Docs or your tool of choice* Open Claude (or ChatPRD if you want more structure)* Copy your outline with this prompt:“I'm a product manager at [company] working on [product area]. I need to create a comprehensive PRD based on this outline. Please expand this into a complete PRD with the following sections: [list your preferred sections]. Make it detailed enough for engineering to start breaking down into user stories, but concise enough for leadership to read in 15 minutes. [Paste your outline]”* Review the output critically - Look for generic statements, missing details, or strategic misalignments* Iterate on specific sections:“The success metrics section is too vague. Please provide 3-5 specific, measurable KPIs with target values and explanation of why these metrics matter.”* Generate supporting materials:“Create a visual mockup of the core user flow showing the key interaction points.”* Synthesize the best elements - Don't just copy-paste the AI output. Use it as raw material that you shape into your final documentFor Stakeholder Communication:When you need to pitch something to leadership or engineering:* Generate 3 versions of your pitch using different tools (Claude, ChatPRD, and one other)* Compare them for:* Clarity and conciseness* Strategic framing* Compelling value proposition* Addressing likely objections* Blend the best elements into your final version* Add your personal voice - This is crucial. AI output often lacks personality and specific company context. Add that yourself.For Feature Prioritization:AI tools can help you think through trade-offs more systematically:“I'm deciding between three features for our next release: [Feature A], [Feature B], and [Feature C]. For each feature, analyze: (1) Estimated engineering effort, (2) Expected user impact, (3) Strategic alignment with making our platform the go-to solution for [your market], (4) Risk factors. Then recommend a prioritization with rationale.”This doesn't replace your judgment, but it forces you to think through each dimension systematically and often surfaces considerations you hadn't thought of.The Uncomfortable Truth About AI and Product ManagementLet me be direct about something that makes many PMs uncomfortable: AI will make some PM skills less valuable while making others more valuable.Less valuable:* Writing boilerplate documentation* Creating standard frameworks and templates* Generating routine status updates* Synthesizing information from existing sourcesMore valuable:* Strategic product vision and roadmapping* Deep customer empathy and insight generation* Cross-functional leadership and influence* Critical evaluation of options and trade-offs* Creative problem-solving for novel situationsIf your PM role primarily involves the first category of tasks, you should be concerned. But if you're focused on the second category while leveraging AI for the first, you're going to be exponentially more effective than your peers who resist these tools.The PMs I see succeeding aren't those who can write the best PRD manually. They're those who can write the best PRD with AI assistance in one-tenth the time, then use the saved time to talk to more customers, think more deeply about strategy, and build stronger cross-functional relationships.Advanced Techniques: Beyond Basic PRD GenerationOnce you've mastered the basics, here are some advanced applications I've found valuable:Competitive Analysis at Scale“Research our top 5 competitors in [market]. For each one, analyze: their core value proposition, key features, pricing strategy, target customer, and likely product roadmap based on recent releases and job postings. Create a comparison matrix showing where we have advantages and gaps.”Then use web search tools in Claude or Perplexity to fact-check and expand the analysis.Scenario Planning“We're considering three strategic directions for our product: [Direction A], [Direction B], [Direction C]. For each direction, map out: likely customer adoption curve, required technical investments, competitive positioning in 12 months, and potential pivots if the hypothesis proves wrong. Then identify the highest-risk assumptions we should test first for each direction.”This kind of structured scenario thinking is exactly what AI excels at—generating multiple well-reasoned perspectives quickly.User Story GenerationAfter your PRD is solid:“Based on this PRD, generate a complete set of user stories following the format ‘As a [user type], I want to [action] so that [benefit].' Include acceptance criteria for each story. Organize them into epics by functional area.”This can save your engineering team hours of grooming meetings.The Tools Will Keep Evolving. Your Process Shouldn'tHere's something important to remember: by the time you read this, the specific rankings might have shifted. Maybe ChatGPT-5 has leapfrogged Claude. Maybe a new specialized tool has emerged.But the core principles won't change:* Do strategic thinking before touching AI* Use the best tool available for your specific task* Iterate and refine rather than accepting first outputs* Blend AI capabilities with human judgment* Focus your time on the uniquely human aspects of product managementThe specific tools matter less than your process for using them effectively.A Final Experiment: The Skeptical VP TestI want to share one more insight from my testing that I think is particularly relevant for early and mid-career PMs.Toward the end of my experiment, I gave each tool this prompt: “Please compose a one paragraph exact summary I can share over DM with a highly influential VP of engineering who is generally a skeptic but super smart.”This is such a realistic scenario. How many times have you needed to pitch an idea to a skeptical technical leader via Slack or email? Someone who's brilliant, who's seen a thousand product ideas fail, and who can spot b******t from a mile away?The quality variation in the responses was fascinating. ChatGPT gave me something that felt generic and safe. Gemini was better but still a bit too enthusiastic. Grok was... well, Grok.But Claude and ChatPRD both produced messages that felt authentic, technically credible, and appropriately confident without being overselling. They acknowledged the engineering challenges while framing the opportunity compellingly.The lesson: When the stakes are high and the audience is sophisticated, the quality of your AI tool matters even more. That skeptical VP can tell the difference between a carefully crafted message and AI-generated fluff. So can your CEO. So can your biggest customers.Use the best tools available, but more importantly, always add your own strategic thinking and authentic voice on top.Questions to Consider: A Framework for Your Own ExperimentsAs I wrapped up my Loom, I posed some questions to the audience that I'll pose to you:“Let me know in the comments, if you do your PRDs using AI differently, do you start with back of the envelope? Do you say, oh no, I just start with one sentence, and then I let the chatbot refine it with me? Or do you go way more detailed and then use the chatbot to kind of pressure test it?”These aren't rhetorical questions. Your answer reveals your approach to AI-augmented product work, and different approaches work for different people and contexts.For early-career PMs: I'd recommend starting with more detailed outlines. The discipline of thinking through your product strategy before touching AI will make you a stronger PM. You can always compress that process later as you get more experienced.For mid-career PMs: Experiment with different approaches for different types of documents. Maybe you do detailed outlines for major feature PRDs but use more iterative AI-assisted refinement for smaller features or updates. Find what optimizes your personal productivity while maintaining quality.For senior PMs and product leaders: Consider how AI changes what you should expect from your PM team. Should you be reviewing more AI-generated first drafts and spending more time on strategic guidance? Should you be training your team on effective AI usage? These are leadership questions worth grappling with.The Path Forward: Continuous ExperimentationMy experiment with these five AI tools took 45 minutes. But I'm not done experimenting.The field of AI-assisted product management is evolving rapidly. New tools launch monthly. Existing tools get smarter weekly. Prompting techniques that work today might be obsolete in three months.Your job, if you want to stay at the forefront of product management, is to continuously experiment. Try new tools. Share what works with your peers. Build a personal knowledge base of effective prompts and workflows. And be generous with what you learn. The PM community gets stronger when we share insights rather than hoarding them.That's why I created this Loom and why I'm writing this post. Not because I have all the answers, but because I'm figuring it out in real-time and want to share the journey.A Personal Note on Coaching and ConsultingIf this kind of practical advice resonates with you, I'm happy to work with you directly.Through my pm coaching practice, I offer 1:1 executive, career, and product coaching for PMs and product leaders. We can dig into your specific challenges: whether that's leveling up your AI workflows, navigating a career transition, or developing your strategic product thinking.I also work with companies (usually startups or incubation teams) on product strategy, helping teams figure out PMF for new explorations and improving their product management function.The format is flexible. Some clients want ongoing coaching, others prefer project-based consulting, and some just want a strategic sounding board for a specific decision. Whatever works for you.Reach out through tomleungcoaching.com if you're interested in working together.OK. Enough pontificating. Let's ship greatness. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit firesidepm.substack.com

Are you looking to save time, make money, and start winning with less risk? Then head to https://www.ovtlyr.com.Implied volatility can feel like this mysterious force that either supercharges your options trades or completely blindsides you when you least expect it. If you've ever wondered why an option loses value even when the stock moves in your direction, this breakdown is going to make things a whole lot clearer.In this session, we dig into implied volatility in a way that actually feels understandable. Nothing overcomplicated. Nothing academic. Just straight talk about how IV works, why it matters, and how it quietly shapes every option price on your screen. You'll see how intrinsic value, extrinsic value, and Vega all play a role, and how each one affects the real money side of your trading. If you've ever stared at an options chain thinking, “What am I even looking at?” you're in the right place.We walk through how IV spikes before earnings, why it collapses after, and how that moment can make or break a trade. There are clear examples using SPY, NVDA, SoFi, meme stocks, and deep in the money call setups. You'll see exactly why some strategies suffer when volatility changes and why others barely feel it. And yes, we take time to break down spreads, strangles, and why certain strategies get traders into trouble faster than they realize.Right in the middle of the lesson, you'll see how everything ties back to understanding your extrinsic value. When you know what part of your option is “uncertainty pricing,” you suddenly understand why IV crush feels so brutal on certain trades and barely noticeable on deep in the money positions.Here's what you'll be able to walk away with:✅ Why implied volatility rises and falls✅ How intrinsic and extrinsic value actually shape your option price✅ Why at the money options are most sensitive to IV shifts✅ What really happens during earnings IV crush✅ How deep in the money calls avoid most volatility trapsThere are plenty of chart comparisons, profit scenarios, and real-market examples so you can see the concepts play out visually. When you watch the GME example where the stock dropped but the put still lost value, it suddenly clicks why traders get confused. It wasn't the direction. It was the extrinsic value collapsing faster than the intrinsic value could grow.If you're following along with OVTLYR University, this fits right into the bigger plan of helping traders build real skill instead of relying on guesswork. The goal is to make every part of options trading feel less intimidating and way more actionable. Nothing here is theory for theory's sake. It's practical knowledge designed to help you trade more confidently and avoid unnecessary mistakes.By the time you finish the session, you'll understand why volatility behaves the way it does, how it impacts your trades, and how to use that knowledge to your advantage. And if you want to go even deeper, check out the related videos at the end.Gain instant access to the AI-powered tools and behavioral insights top traders use to spot big moves before the crowd. Start trading smarter today

The Notes: Mouths vs ears! This podcast is not for eating! Favorite German! Mad King vs Kramer vs Kramer! The impenetrable text that is Superman 3! Will's book is out now and available at The Raven! Nelson's keeping his brain high and tight! The touche was implied! This doorknob isn't hot from fire, it's hot from masturbation! The New Coke of eugenics! Is long division still a thing!? That way lies Hitler! Those magical, masturbating Hardy Boys! Release the masturbation cut, Penguin Random House! Dynamite, clean blood, swords, unedited erotica, you name it! This one's for the Craigs! Contact Us! Follow Us! Love Us! Email: doubledeucepod@gmail.com Twitter & Instagram: @doubledeucepod Bluesky: @doubledeucepod.bsky.social Facebook: www.facebook.com/DoubleDeucePod/ Patreon: patreon.com/DoubleDeucePod Also, please subscribe/rate/review/share us! We're on Apple, Android, Libsyn, Stitcher, Google, Spotify, Amazon, Radio.com, RadioPublic, pretty much anywhere they got podcasts, you can find the Deuce! Podcast logo art by Jason Keezer! Find his art online at Keezograms! Intro & Outro featuring Rob Schulte! Check out his many podcasts! Brought to you in part by sponsorship from Courtney Shipley, Official Superfans Stefan Rider, Amber Fraley, Nate Copt, and listeners like you! Join a tier on our Patreon! Advertise with us! If you want that good, all-natural focus and energy, our DOUBLEDEUCE20 code still works at www.magicmind.com/doubledeuce for 20% off all purchases and subscriptions. Check out the Lawrence Times's 785 Collective at https://lawrencekstimes.com/785collective/ for a list of local LFK podcasts including this one!  

Derek Moore is joined by Shane Skinner and Mike Snyder this week to talk about people's reaction to Michael Burry's comments on earnings quality in the Mag 7 companies, talk of the OpenAI IPO, and Nvidia's options ahead of earnings week. Plus, they reframe the idea of Strategy buying Bitcoin by using an alternative example. What if they held Apple stock instead? All this and much more this week.    Michael Burry suggests depreciation and accounting adjustments driving earnings in Mag 7 OpenAI most anticipated IPO since Snapple in the early nineties? What if AI technology is a technical revolution but the winning companies are different? Michael Saylor's Bitcoin strategy landing on hard times What if Saylor bought Apple stock instead of Bitcoin, does that make their strategy easier to understand? Enterprise value vs market cap Implied volatility on Nvidia options ahead of earnings   Mentioned in this Episode     Derek Moore's book Broken Pie Chart https://amzn.to/3S8ADNT   Jay Pestrichelli's book Buy and Hedge https://amzn.to/3jQYgMt   Derek's book on public speaking Effortless Public Speaking https://amzn.to/3hL1Mag   Contact Derek derek.moore@zegainvestments.com   

SCP-939 is a species of endothermic pack hunters with atrophied biological systems similar to troglobitic organisms typically found in deep cave systems.Content Warnings: Gun violence, Descriptions of violence, Cannibalism, Stillborn birth, Implied murder of an infant, self harmListen to Mayfair Watchers Society: https://open.spotify.com/show/4cF39z0TJByoJ9cKGWeUk6 TranscriptPatrons corey williams, Chelsey Gilmore, Tibula, Tanner Robicheaux, Mandrake, Chris J, Muse C, CalamitousGaze, Ark knight, Dokkaebi, Dorigar, Charles Wolf, Lil Rotini, qSleepo, Atkella, 820 Geckos with Anxiety, OG Koap, Pip Azzara, Mister Rogers blood stained sweater, Chris Wood, nadiya6154Cast & Crew SCP Archives was created by Pacific S. Obadiah & Jon GrilzSCP-939 was written by Adam Smascher and EchoFourDeltaScript by Kevin WhitlockNarrator - Jon GrilzAgent Shandrick- Rissa MontañezAgent Washburne - Damon AlumsAgent Michaels - Ashlee JonesAgent Nichols - Marquiz MooreTask Force Control- Ben CounterSCP- 939 - Kayla Temshiv, Chris Harris-Beechey, Janine Bower, Derrick ValenCharles Wood - Russ MoreMartin Conway - Dustin ParsonsJonah Scott - Stephen IndrisanoAllison May - Bailey WolfeJane Newman - Elissa ParkPolice Officer - Kale BrownAgent King  - Erika SandersonSCP-939-101 - B. NarrDr. Rollins - Melissa LuskArt - Eduardo Valdés-HeviaMusic-  Mattie Roi BergerDialogue Editor - Dustin ParsonsSound Designer - Brad ColbroockShowrunner - Daisy McNamaraCreative Director - Pacific S. ObadiahExecutive Producer - Tom Owen  Presented by Bloody FMwww.Bloody-Disgusting.comwww.SCParchives.com Patreon: https://www.patreon.com/scp_podStore: https://store.dftba.com/collections/scp-archivesInstagram: https://www.instagram.com/scp_pod/Bluesky: https://bsky.app/profile/scparchives.bsky.socialDiscord: https://discord.gg/tJEeNUzeZXTikTok: https://www.tiktok.com/@scppodYouTube: https://www.youtube.com/c/scparchives Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Derek Moore is joined by Shane Skinner and Mike Snyder to discuss the upcoming huge week in earnings and where the options markets rank the big 4 this week for implied moves. Then, they ask the question of what would need to happen to see 30-year mortgage rates slip lower to 5%. Later, they review the latest (albeit late) CPI figures and note, despite tariffs, no surge in inflation. All this and more plus a couple of recommendations.    Implied volatility around earnings AAPL MSFT META GOOG Spread between 30-year mortgage rates and the 10-year treasury yield Spread narrowing plus lower 10-year yields impact on mortgage rates CPI comes out late but still no surge in inflation How shelter (housing) is still responsible for most of the CPI YoY change VIX gets crushed lower after only a week ago piercing the 25 level     Mentioned in this Episode     Derek Moore's book Broken Pie Chart https://amzn.to/3S8ADNT   Jay Pestrichelli's book Buy and Hedge https://amzn.to/3jQYgMt   Derek's book on public speaking Effortless Public Speaking https://amzn.to/3hL1Mag   Contact Derek derek.moore@zegainvestments.com     

Derek Moore is joined by Shane Skinner and Mike Snyder to talk about whether the VIX Index is too high based on market movements. Plus, is the regional bank trouble really trouble for the stock market? Later, looking at implied volatility on TSLA and INTC ahead of earnings. Finally, why no one is talking about the November 5th SCOTUS hearing on the Trump Tariffs. All that and much more this week.    Implied volatility around earnings SCOTUS (Supreme Court of the United States) upcoming tariff hearing on November 5th TSLA vs INTC options implied volatility Regional banks have a tough week Most anticipated earnings coming up Retail vs institutional options volume Upcoming Fed decision on interest rates     Mentioned in this Episode     Derek Moore's book Broken Pie Chart https://amzn.to/3S8ADNT   Jay Pestrichelli's book Buy and Hedge https://amzn.to/3jQYgMt   Derek's book on public speaking Effortless Public Speaking https://amzn.to/3hL1Mag   Contact Derek derek.moore@zegainvestments.com           

This conversation provides a comprehensive overview of tort law, focusing on the foundational concepts of intentional torts, negligence, and strict liability. The discussion delves into the distinctions between different types of torts, the importance of consent, various defenses available in tort cases, and the nuances of causation and damages. The conversation emphasizes the complexities of tort law and the ongoing tension between legal principles and social justice.In the realm of tort law, intentional torts stand as a fundamental pillar, distinct from negligence and strict liability. These torts revolve around deliberate actions and the specific mental state of the defendant. This post delves into the nuances of intentional torts, focusing on the transfer of intent, the critical distinctions between assault and battery, and the complexities of consent, including apparent and implied licenses.Transfer of Intent: The concept of transfer of intent is pivotal in understanding intentional torts. It applies to a select group of torts: battery, assault, false imprisonment, trespass to land, and trespass to chattels. The principle is straightforward: if a person intends to commit one of these torts against one individual but inadvertently affects another, the intent transfers. For instance, if Draco aims a hex at Harry intending assault, but it hits Hermione instead, Hermione can sue Draco for battery. The law recognizes Draco's original intent to commit a wrong within that category, thus transferring the intent.Assault vs. Battery: Assault and battery are often confused, yet they protect different interests. Assault is about the apprehension of a harmful or offensive contact, not the contact itself. It requires a reasonable apprehension of an imminent threat. Battery, on the other hand, involves the actual contact—an unpermitted, intentional touching that is harmful or offensive. A key distinction is that the victim need not be aware of the contact for it to be considered battery, underscoring the protection of bodily integrity.Apparent and Implied Licenses: Consent is a primary defense in intentional torts, but it can be complex. Apparent consent, as illustrated in O'Brien v. Cunard's Themeship Company, relies on outward actions rather than internal feelings. In this case, Ms. O'Brien's actions—standing in line and raising her arm for vaccination—were deemed to show consent, despite her internal objections. Implied licenses, such as those in sports or playground activities, suggest that participants consent to certain contacts inherent to the activity. However, context is crucial; a kick during play might be acceptable, but not after the game has ended.Intentional torts require a nuanced understanding of intent, the nature of the act, and the defenses available. The transfer of intent, distinctions between assault and battery, and the intricacies of consent highlight the complexity of these legal concepts. As law students and future practitioners, grappling with these nuances is essential for mastering tort law. Keep exploring these foundational ideas, as they form the bedrock of civil liability and the pursuit of justice.Subscribe now to stay updated on more insights into tort law and other legal concepts.Tort law is foundational for understanding civil liability.Intentional torts require a specific mindset from the defendant.Consent can be actual, apparent, or presumed in tort law.Self-defense and other privileges can serve as defenses in tort cases.Necessity can justify actions that would otherwise be tortious.Negligence focuses on unintentional failures to meet a standard of care.Causation in negligence includes both actual and proximate cause.Damages in tort law can be compensatory or punitive.Comparative negligence is a more equitable approach than contributory negligence.torts, intentional torts, negligence, strict liability, consent, defenses, causation, damages, product liability, law students

Dr. Edith Davis takes listeners beyond the fundamental laws of faith and confession to reveal the essential secret to walking in the full manifestation of God's finished work: Intimacy. While fundamental principles like confession, forgiveness, and avoiding offense are necessary "guardrails," they are not the "end game." Dr. Davis challenges listeners to move from simple knowledge and religious activity to a profound, personal relationship with the Father, Son, and Holy Spirit. Key Components for Manifestation: -- It's a Finished Work, But People Are Still Perishing: God has already provided everything, but a lack of intimacy and knowledge is causing God's people to die "like mere men." -- Intimacy is the Essence: A "real relationship" with God is the missing link. This is not just "devotional time," but a devoted life where the Lord is the first thought in the morning and the last at night. -- Jesus Looks for Fruit, Not Just Gifts: Spiritual gifts (preaching, teaching, healing) are important, but Jesus judges by the fruits of the Spirit (love, joy, peace, patience, etc.). Principles work for anyone, but only a relationship results in God's endorsement. -- The Hebrew Word Yada: In the warning "Depart from me, for I never knew you," the word "knew" is the intimate Hebrew word yada, emphasizing that a lack of intimacy is treated as "iniquity." -- Faithfulness and Stewardship: Dr. Davis ties intimacy to faithfulness, highlighting that God trusts those who are good stewards of their resources (time, money, talents) and who are willing to use their wealth for the Kingdom's commission of making disciples worldwide. Scriptures for Further Study -- Proverbs 18:21 (Life and death is in the power of the tongue) -- Matthew 7:20 (By their fruits you will know them) -- Matthew 6:33 (Seek ye first the kingdom of God and His righteousness) -- Revelation 3:20 (Implied context of Jesus knocking at the door/not knowing Him) -- Matthew 25:14-30 (Parable of the Talents/Stewardship) -- Romans 10:9 (Confess with your mouth and believe in your heart) This is episode 374. +++++++ Check out my new website: https://www.enterthegloryzone.org/ MY AUDIO BOOK IS NOW AVAILABLE FOR PURCHASE You can Divorce Proof Your Marriage by understanding the Secret Keys of Love. You will come to understand that your Marriage has an enemy. You will come to understand that you are dating your future spouse representative. You will come to understand that your Marriage has the gift of Supernatural Sex. For more information about purchasing this audio book, click here: https://personalbuy.com/shopsite_sc/store/html/product8702.html

This conversation provides an in-depth analysis of contract terms and interpretation, focusing on the distinctions between promises and conditions, the classification of contract terms, and the interpretation of ambiguous language. It also covers the implications of implied terms under the UCC, the nature of warranties in sales of goods, and the legal requirements for disclaiming warranties. The discussion concludes with an overview of breach and remedies under UCC Article 2, emphasizing the importance of understanding these concepts for success in law exams.In the realm of contract law, the distinction between promises and conditions is pivotal, often determining the outcome of legal disputes. This nuanced differentiation is not just academic; it has real-world implications for how contracts are enforced and interpreted.Promises: The Heart of Contractual ObligationsA promise in a contract is a commitment to perform a specific act. For instance, when a party states, "I will deliver the goods," it constitutes a promise. This commitment, once encapsulated in a contract, becomes binding. Failure to fulfill a promise results in a breach, entitling the non-breaching party to remedies such as damages. The simplicity of promises lies in their straightforward nature: a promise is an obligation to act.Conditions: The Triggers of Contractual DutiesConditions, on the other hand, are events that must occur before a contractual duty arises. Unlike promises, conditions are not obligations to act but are prerequisites that trigger obligations. For example, a condition might require a party to notify an insurance company of a loss within a specified timeframe. If the condition is not met, the duty to perform (such as paying a claim) does not arise. Importantly, the failure of a condition does not constitute a breach; it merely means the duty never materializes.The Legal ImplicationsUnderstanding the distinction between promises and conditions is crucial for legal practitioners. A breach of a promise leads to liability and potential damages, while the non-fulfillment of a condition simply nullifies the obligation. This distinction is a major testing point in legal exams and a critical consideration in contract drafting and litigation.Conclusion: Navigating Contractual ComplexitiesFor those studying law or practicing in the field, mastering the difference between promises and conditions is essential. It not only aids in contract interpretation but also in advising clients on their rights and obligations. As you delve deeper into contract law, remember that the clarity of these terms can dictate the strategic approach to any contractual dispute.Subscribe now to stay updated on more insights into contract law and other legal topics.TakeawaysUnderstanding the distinction between promises and conditions is crucial.The failure of a condition does not automatically result in a breach.Express conditions require strict compliance, while warranties allow for damages only.The plain meaning rule is the starting point for contract interpretation.Implied terms fill gaps in contracts and are often mandated by law.Warranties provide essential protections for buyers in sales contracts.Disclaiming warranties requires specific language and conspicuousness.The UCC provides clear guidelines for breach and remedies.Buyers can seek cover or market price damages in case of breach.Good faith is a pervasive duty in all contracts, especially under the UCC.contract law, contract terms, UCC, promises, conditions, warranties, breach, remedies, good faith, interpretation

This conversation delves into the complexities of contract law, focusing on the various defenses that can render contracts voidable or unenforceable. It covers essential topics such as capacity, consideration, misrepresentation, duress, unconscionability, and the doctrines of impracticability and frustration of purpose. The discussion emphasizes the importance of understanding the legal frameworks and policies that govern contract formation and enforcement, providing listeners with a comprehensive overview of the critical elements that can affect the validity of contracts.In the world of contracts, not every agreement is set in stone. Imagine a scenario where a handshake deal turns sour, or a signed contract is challenged in court. Understanding the defenses to contract formation and enforcement can be crucial in navigating these legal waters. Let's delve into the key defenses that can impact the validity and enforceability of contracts.Lack of Capacity:One of the fundamental defenses is the lack of capacity. This occurs when one party is unable to understand the nature and consequences of the contract due to age, mental incapacity, or intoxication. For instance, contracts signed by minors are often voidable, providing a defense against enforcement.Duress and Undue Influence:Contracts must be entered into voluntarily. If a party is forced or coerced into signing a contract under duress or undue influence, the contract may be voidable. This defense protects individuals from being taken advantage of in vulnerable situations.Misrepresentation and Fraud:A contract based on false statements or deceit can be challenged through the defense of misrepresentation or fraud. If one party is misled about a material fact, they may have grounds to void the contract. This defense ensures fairness and honesty in contractual dealings.Mistake:Mistakes can occur in contracts, and when they do, they can serve as a defense. A mutual mistake, where both parties are mistaken about a fundamental fact, can render a contract voidable. However, a unilateral mistake, where only one party is mistaken, is generally not a valid defense unless the other party knew or should have known about the mistake.Illegality:Contracts that involve illegal activities or violate public policy are unenforceable. This defense ensures that the legal system does not support or enforce agreements that are against the law or societal norms.Conclusion:Understanding these defenses to contract formation and enforcement is essential for anyone involved in contractual agreements. Whether you're drafting a contract or facing a legal challenge, being aware of these defenses can help protect your rights and interests. Always consult with a legal professional to navigate the complexities of contract law effectively.Subscribe Now:Stay informed about the latest in contract law and other legal insights by subscribing. Don't miss out on valuable information that can empower your legal knowledge.TakeawaysContracts can be voidable at the option of the person who lacked capacity.No cherry picking allowed; minors must disaffirm the entire contract.The law does not inquire into the adequacy of consideration.Implied duties of good faith can save illusory promises.Promissory estoppel can enforce promises without consideration.The contract isn't just the words on the page; context matters.Courts can modify overly broad non-compete clauses for reasonableness.Unconscionability can prevent enforcement of shockingly unfair contracts.Impracticability can discharge contractual duties due to unforeseen events.The tension between freedom of contract and basic fairness is crucial. contracts, contract law, legal defenses, capacity, consideration, misrepresentation, duress, unconscionability, impracticability, frustration of purpose

Are you ready to conquer the Chicago Marathon?!

The gang is returning to regular programming and we have fun on this episode as the many conversations include Chemsi's corrections in depth, Dre and his comedy rendezvous, women stealing from men's homes, and finding out both chemsi and Imina would send Dre to Jail for $50 million !!!Send us a Fam mail to - thetalkativex@gmail.com or HEREGet tickets to Mista Dre and Tobi Solebo's Comedy Tour -  HERECorrecting Habits (7:25) More Applied, Less Implied (11:45)Weekend Recap (13:43)Shalipoppi in Toront (19:10)The Downey Squad (26:26)Black King (29:43)Rendezvous (31:20)We need to steal more (34:00)Send Dre to jail for 50M (42:41)Documentaries need to end (46:47)We like Brest (52:06)Chemsi does proverb of the day (56:40)

This conversation delves into the complexities of property law, specifically focusing on covenants and servitudes. The discussion covers the definitions, historical context, and key differences between real covenants and equitable servitudes. It outlines the essential elements required for enforceability, the implications of public policy, and the historical misuse of covenants for racial discrimination. The conversation concludes with practical advice for analyzing legal problems related to land use restrictions, emphasizing the importance of understanding the balance between private agreements and public interest.In the world of property law, real covenants and equitable servitudes play a crucial role in shaping land use and ownership rights. Imagine buying a piece of land only to discover hidden restrictions that dictate how you can use it. This blog post unravels the complexities of these legal concepts, ensuring you're well-informed before making property decisions.Understanding Real Covenants: Real covenants are promises that run with the land, binding not just the original parties but also future owners. These covenants can dictate everything from building heights to the types of activities allowed on the property. For instance, a real covenant might restrict commercial activities in a residential neighborhood, preserving its character and tranquility.Exploring Equitable Servitudes: Equitable servitudes, on the other hand, are similar to real covenants but are enforced in equity rather than law. They often arise in situations where a formal covenant might not exist, yet the intent to restrict land use is clear. A classic example is a neighborhood agreement to maintain a uniform aesthetic, ensuring property values remain stable.Key Differences and Legal Implications: While both real covenants and equitable servitudes aim to control land use, their enforcement mechanisms differ. Real covenants are typically enforced through legal action, whereas equitable servitudes rely on equitable remedies. Understanding these distinctions is vital for property owners and developers to navigate potential legal challenges effectively.Real covenants and equitable servitudes are powerful tools in property law, shaping the landscape of land use and ownership. Whether you're a homeowner, developer, or legal professional, grasping these concepts is essential for making informed decisions. Stay ahead of potential pitfalls by understanding the legal framework governing your property.Subscribe Now: Stay informed about the latest in property law and land use by subscribing. Don't miss out on expert insights and practical advice to guide your property decisions.TakeawaysCovenants and servitudes are complex but essential in property law.Understanding the historical context helps clarify modern applications.Real covenants require strict adherence to five elements for enforceability.Equitable servitudes offer a more flexible approach to land use restrictions.Implied restrictions can bind property owners even if not explicitly stated in deeds.Public policy plays a significant role in the enforceability of covenants.Racially discriminatory covenants are unenforceable due to constitutional protections.Analyzing problem questions requires a systematic approach to elements of covenants.The balance between private agreements and public interest is a core tension in property law.Legal practitioners must navigate evolving societal norms in property law. property law, covenants, servitudes, real covenants, equitable servitudes, land use, legal analysis, property rights, historical context, public policy

In this season of Building Better Developers with AI, hosts Rob Broadhead and Michael Meloche revisit a past topic: 'Transform Your Projects: The Ultimate Guide to Effective User Stories.' This episode offers a fresh perspective on how teams can achieve greater success by writing better user stories. The hosts initially tackled this subject in an earlier season, but they return to it because the challenge remains timeless: poorly written user stories continue to derail software projects. This time, they dive deeper into lessons learned, customer-centric approaches, and frameworks that make user stories truly work. Why Writing Better User Stories Still Matters Rob opens with a familiar frustration: sitting in sprint planning and realizing the user stories don't make sense. Vague requirements create confusion, rework, and wasted effort. A user story is not a specification—it's a promise for a conversation that builds shared understanding. By writing better user stories, teams maintain focus on outcomes, rather than implementation. They deliver features that users actually need, instead of technical solutions that fall short. The Philosophy of Writing Better User Stories User stories should always: Stay customer-centric by focusing on what the user wants, not the technical details. Break down work into small, manageable chunks that improve agility and estimation. Emphasize outcomes over implementation, avoiding the trap of data tables and CSS classes too early. Rob illustrates this with the ATM example: “As a customer, I want to withdraw cash so that I can access money in my account.” This keeps the story grounded in the user's experience. The Anatomy of Writing Better User Stories At the core of writing better user stories is a simple formula that makes requirements clear and human: As a [user role] I want [goal] So that [reason] This framework ensures that every story is tied directly to a user's perspective, their needs, and the value they'll receive. However, strong stories extend beyond this sentence structure. Rob and Michael highlight two key frameworks that add depth and clarity: The Three C's – Card, Conversation, and Confirmation, which explain how stories spark dialogue and define “done.” The INVEST Model – Independent, Negotiable, Valuable, Estimable, Small, and Testable- is a checklist that helps teams evaluate whether a story is ready to move forward. Finally, one important reminder: each story should only have one meaning. If a story can be interpreted in multiple ways—or contains “if/then” scenarios—it should be split into smaller, more focused stories. This keeps the backlog clean and avoids confusion later in development. The Three C's of Writing Better User Stories 1. Card The card represents the user story itself. Traditionally, teams would write stories on index cards. Today, tools like Jira, Trello, or Asana take their place. The key is that the card is just a placeholder for a conversation, not the entire requirement. It captures the essence of the story but leaves room for discussion. 2. Conversation The conversation is where the real value happens. Developers, product owners, and stakeholders discuss the story, ask clarifying questions, and uncover details that weren't written down. These discussions ensure that the team shares a common understanding of the user's needs. Without this step, the story risks being too vague or misinterpreted. 3. Confirmation The confirmation defines how the team knows the story is complete. This typically takes the form of acceptance criteria or test cases. Confirmation transforms a story from an idea into a verifiable piece of functionality. It answers the critical question: What does “done” look like? Card captures the idea. Conversation builds the understanding. Confirmation proves the work is complete. The INVEST Model for Writing Better User Stories The INVEST model is a simple but powerful checklist that helps ensure user stories are clear, practical, and actionable. Each letter represents a quality that a strong user story should have. Independent A good user story should stand on its own. That means it can be developed, tested, and delivered without being blocked by another story. Independence reduces dependencies and keeps projects moving smoothly. Negotiable User stories are not contracts carved in stone—they're open to discussion. Teams should be able to negotiate details, scope, and implementation during conversations. This flexibility encourages collaboration and prevents rigid requirements that may not fit real-world needs. Valuable If a story doesn't provide business or user value, it doesn't belong in the backlog. Every story should clearly tie back to outcomes that matter for the end-user or the organization. This keeps the team focused on delivering impact, not just features. Estimable A story should be clear enough that the team can estimate the effort to complete it. If it's too vague or too large, it can't be accurately sized. Estimable stories make sprint planning realistic and help track progress more effectively. Small Stories should be small enough to complete within a single iteration. Large stories, sometimes called “epics,” should be broken down into smaller, more manageable pieces. Small stories are easier to understand, estimate, and test. Testable Finally, a user story must be testable. The team needs to know how to verify it's “done.” This often takes the form of acceptance criteria or test cases, ensuring the functionality can be validated from the user's perspective. The INVEST model keeps stories clear, focused, and actionable. If a story fails any of these tests, refine it before moving forward. Lessons From the Trenches: Writing Better User Stories in Practice Michael highlights a recurring issue: customers often don't fully understand their “why.” They may use outdated paper trails, redundant processes, or even misuse tools they already own. Sometimes developers must reverse-engineer requirements by observing workflows, asking why at each step, and uncovering hidden pain points. Rob adds that trust plays a huge role—stakeholders may initially follow the “official” process, but only reveal their real practices after rapport is established. Avoiding Common Pitfalls Even with good intentions, stories can fall short when they are: Too vague or incomplete. Disconnected from actual business processes. Written without acceptance criteria. Michael stresses that implied requirements are dangerous. Developers should always strive for clearly defined acceptance criteria that leave no room for ambiguity or uncertainty. Practical Tips for Writing Better User Stories The hosts wrap up with actionable guidance for developers: Speak up – Don't code vague tickets without asking questions. Push for the “so that” – The business value matters most. Write acceptance criteria – Define what “done” means. Break down big stories – Smaller, testable stories are easier to validate. Stay user-focused – Keep technical details in subtasks, not in the story. Example: Bad: Add a contact form. Good: As a potential customer, I want to fill out a contact form with my name, email, and message, so that I can get in touch with the company about their services. This richer story sparks the right questions: Which fields are required? Should multiple contact methods be supported? These clarifications lead to solutions that match real needs. Final Thoughts By revisiting this subject, Rob and Michael remind us that user stories are more than backlog items—they are bridges between developers and customers. Writing better user stories keeps teams aligned, prevents rework, and ensures projects deliver meaningful results. Implied requirements are not good requirements. Defined requirements are good requirements. Stay Connected: Join the Developreneur Community We invite you to join our community and share your coding journey with us. Whether you're a seasoned developer or just starting, there's always room to learn and grow together. Contact us at info@develpreneur.com with your questions, feedback, or suggestions for future episodes. Together, let's continue exploring the exciting world of software development. Additional Resources Updating Developer Tools: Keeping Your Tools Sharp and Efficient Building Your Personal Code Repository Your Code Repository and Ownership of Source – Consulting Tips Using a Document Repository To Become a Better Developer The Developer Journey Videos – With Bonus Content Building Better Developers With AI Podcast Videos – With Bonus Content

I'm explaining the confusing world of DUI breath tests and answering one of the most common questions I get: should you take a breathalyzer if police stop you? Based on real questions from listeners and my own experience as a lawyer, I'm breaking down the concept of “implied consent”—that idea that just by driving in Ohio (and most other states), you're agreeing to breath testing whether you realize it or not. I explain what really happens if you refuse to take a breath test, clear up some common myths, and get into the details of how the law treats your so-called “right” to refuse. Whether you might face this situation yourself or you just want to understand how these laws work, I'm here with practical advice and smart legal insight. Here are 3 key takeaways for anyone who drives:Implied Consent is RealWhen you get a driver's license, you're implicitly agreeing to submit to breath tests if stopped by law enforcement—not just in Ohio, but across much of the U.S.You Can Refuse, But There Are ConsequencesRefusing a breathalyzer isn't as simple as just saying “no.” In Ohio, for example, refusal leads to an immediate administrative license suspension—the officer can literally take your license on the spot.It's About Evidence & RiskWhile refusing a test may keep law enforcement from getting direct evidence, it doesn't mean you avoid penalties. The decision to submit or refuse is nuanced and should factor in both the legal and practical consequences.Got a question you want answered on the podcast? Call 614-859-2119 and leave us a voicemail. Steve will answer your question on the next podcast!Submit your questions to www.lawyertalkpodcast.com.Recorded at Channel 511.Stephen E. Palmer, Esq. has been practicing criminal defense almost exclusively since 1995. He has represented people in federal, state, and local courts in Ohio and elsewhere.Though he focuses on all areas of criminal defense, he particularly enjoys complex cases in state and federal courts.He has unique experience handling and assembling top defense teams of attorneys and experts in cases involving allegations of child abuse (false sexual allegations, false physical abuse allegations), complex scientific cases involving allegations of DUI and vehicular homicide cases with blood alcohol tests, and any other criminal cases that demand jury trial experience.Steve has unique experience handling numerous high-publicity cases that have garnered national attention.For more information about Steve and his law firm, visit Palmer Legal Defense. Copyright 2025 Stephen E. Palmer - Attorney At Law Mentioned in this episode:Circle 270 Media Podcast ConsultantsCircle 270 Media® is a podcast consulting firm based in Columbus, Ohio, specializing in helping businesses develop, launch, and optimize podcasts as part of their marketing strategy. The firm emphasizes the importance of storytelling through podcasting to differentiate businesses and engage with their audiences effectively. www.circle270media.com

Derek Moore and Mike Snyder compare the 2009 bull market to today plus Wall Street year end estimates get bullish again. Plus, What Nvidia's options market is forecasting for implied moves around earnings. Later, explaining (or trying to) the revisions to the employment data, historical perspective, and the low response rates. All that and more as markets try to make another all-time high.    2009 Bull Market vs 2022 Non-Farm Payroll Downward Revisions Average Differential Between Final Estimate and Initial Estimates 30 Consecutive Downward Revisions Market Cycles and Market Breadth Wall Street Forecasts Revert to Pre Tariff Turmoil Levels CPI Rent New Tenants collapses so what does it mean? Nvidia (NVDA) option implied volatility implied move through earning    Mentioned in this Episode   Derek Moore's book Broken Pie Chart https://amzn.to/3S8ADNT   Jay Pestrichelli's book Buy and Hedge https://amzn.to/3jQYgMt   Derek's book on public speaking Effortless Public Speaking https://amzn.to/3hL1Mag   Contact Derek derek.moore@zegainvestments.com         

The provided sources discuss the legal doctrine of preemption, particularly focusing on federal preemption of state laws in the United States. They explain that the Supremacy Clause of the Constitution establishes federal law as paramount when conflicts arise. The texts outline two main types of preemption: express preemption, where federal law explicitly states its intent to supersede state law, and implied preemption, which occurs when federal intent to preempt is not explicit. Implied preemption is further divided into field preemption, where federal regulation is so pervasive it leaves no room for state law, and conflict preemption, where state law either makes compliance with federal law impossible or obstructs federal objectives. The sources also highlight the ongoing debate between state and federal powers, with different stakeholders advocating for broader or narrower applications of preemption depending on their interests.The primary function of the Supremacy Clause, found in Article VI, Clause 2, is to establish federal law as the "supreme Law of the Land." It ensures that validly enacted federal laws override conflicting state laws and constitutions, providing legal hierarchy and national uniformity.Federal preemption is the doctrine that invalidates conflicting state laws when Congress exercises its legislative power to displace or override state authority. Its core constitutional basis is the Supremacy Clause, which mandates that federal law prevails over inconsistent state enactments.Express preemption occurs when a federal statute explicitly states its intent to override state law, often through a specific clause. Implied preemption, in contrast, arises when courts infer Congress's intent to preempt state law from the federal law's structure, purpose, or comprehensiveness, even without explicit language.Field preemption occurs when federal regulation is so comprehensive or the federal interest is so dominant that courts conclude Congress intended to occupy an entire regulatory field. A common characteristic courts look for is a "pervasive scheme of federal regulation" that leaves no room for state supplementation, as seen in areas like alien registration.Conflict preemption applies in two main situations: first, when compliance with both federal and state law is physically impossible (impossibility preemption); and second, when state law "stands as an obstacle" to the accomplishment of federal objectives (obstacle preemption).The "presumption against preemption" instructs that federal law should not be interpreted as superseding states' historic police powers (e.g., public health, safety) unless Congress's intent to preempt is "clear and manifest." It reflects the constitutional principle of federalism, preserving a meaningful role for state autonomy.State common law, particularly tort law, can be affected by obstacle preemption. For instance, in Geier v. American Honda Motor Co., a state tort law requiring airbags was preempted because it stood as an obstacle to a federal regulation that gave manufacturers a range of options, including not installing airbags, reflecting a federal objective of flexibility.The Supremacy Clause directly binds state courts by requiring judges in every state to apply federal law, even if it contradicts state law or state precedent. This means state judges cannot refuse to hear federal claims or decline to enforce federal statutes due to local disagreement.Yes, federal agency regulations issued under valid statutory authority have the same preemptive force as federal statutes if properly promulgated. Similarly, executive agreements, when entered into pursuant to constitutional authority (especially regarding foreign affairs), can also preempt conflicting state laws.A "savings clause" in a federal statute is a provision that explicitly limits its preemptive effect, stating that certain categories of state law are not preempted. Its general purpose is to preserve state author

Abimelech a title for "father king"; "Gerar" = cause/effect = gimel-resh-resh; Following kings; Civil government; Tables of welfare (snares); Taxation vs freewill offerings; Julius Caesar; Militia; American Revolution; Returning to bondage; Understanding the full Gospel of Jesus Christ; Abraham; Avoiding Egypt/bondage; Wells of insight; Property tax; Land ownership; The righteous way of peace; Abraham's household?; Tithing; Commandments in Genesis?; Conflicting ideologies; Spirit in Isaac; Melchizedek; Gen 27:1; Inheritance of blessings; Sins of the father; Repentance - cause/effect; Natural Law; "Logos"; Charity and hope; vs Cities of blood; "savory meats"; Abraham's protection; Rebekah's deception; Gen 3:13; Deut 11:16; Prov 1:10; Obeying mother; Organizing in Tens; Caring for the needy; Tithingmen, Hundredsmen and Eoldermen; Ruining society; "Citizen"; Not going the way of Egypt; Gen 27:30 Jacob received the blessing; Becoming Israel; Israel is not a location; Present-value money; Walking in the spirit; Walled cities; Learning from The Comforter; Letting God work; Keeping your commitment; Subtility; Blessing different than birthright?; Gen 27:39 Isaac's blessing to Esau; Characteristics of Israel; Righteous caring for society; Meat boiled in milk?; Altars of Jehova-Nissi; Becoming free; Abraham's blessing from Melchizedek (Shem?); Nature of God's kingdom; Knowing you're an idolator; Implied contracts; Exercising authority over others; Abraham's society; Missing calf story; Who can you trust?; "The Rod"; Law in your heart.; Jury of peers; Altars of sin?; Jesus - priest according to the order of Melchizedek; Gen 14:18 blessing Abram; Seeking God's righteousness; Respecters of persons; Caesar: son of God?; Set the table of the LORD.

Derek Moore and Shane Skinner examine some market myths. Does a weak dollar mean problems for the stock market? Looking at tax rates and the effect on government spending vs revenue. Plus, some international market ETFs are up huge so can they continue? Later, looking at the national debt and when it might matter. All that and more market musings.    Best performing international markets Is the US Dollar weakness really that bad compared to other periods Government revenue as a percentage of GDP Government expenditure as a percentage of GDP Do higher tax rates really make a difference when it comes to revenues and debt? Looking at options market pricing of JP Morgan options ahead of earnings Implied volatility of options prior to earnings estimated expected one standard deviation moves How a weak dollar can raise earnings from multinational companies Comparing the change in the US Dollar to the change in the S&P 500 Index Are the US Dollar and the S&P 500 Index correlated?   Mentioned in this Episode   Derek Moore's book Broken Pie Chart https://amzn.to/3S8ADNT   Jay Pestrichelli's book Buy and Hedge https://amzn.to/3jQYgMt   Derek's book on public speaking Effortless Public Speaking https://amzn.to/3hL1Mag   Contact Derek derek.moore@zegainvestments.com         

Welcome back to the Law School Toolbox podcast! In this episode, we discuss the essentials of leaseholds in landlord/tenant law. We cover the different types of leasehold estates, as well as the obligations of tenants and landlords, and we analyze a sample question. Next week, we'll focus on assignment and subletting. In this episode we discuss: The four types of leasehold estates that can be created with a lease Duties of landlords and tenants Implied warranty of habitability Actual vs. constructive eviction A hypothetical scenario illustrating leaseholds Resources: "Listen and Learn" series (https://lawschooltoolbox.com/law-school-toolbox-podcast-substantive-law-topics/#listen-learn) California Bar Examination – Essay Questions and Selected Answers, February 2023 (https://www.calbar.ca.gov/Portals/0/documents/admissions/Examinations/February2023CBXessayQsandAnswers.pdf) Podcast Episode 265: Listen and Learn – Constructive Eviction (https://lawschooltoolbox.com/podcast-episode-265-listen-and-learn-constructive-eviction/) Podcast Episode 319: Listen and Learn – Negligence: Duties of Landlords, Owners, and Possessors of Land (https://lawschooltoolbox.com/podcast-episode-319-listen-and-learn-negligence-duties-of-landlords-owners-and-possessors-of-land/) Download the Transcript  (https://lawschooltoolbox.com/episode-511-listen-and-learn-landlord-tenant-law-part-1/) If you enjoy the podcast, we'd love a nice review and/or rating on Apple Podcasts (https://itunes.apple.com/us/podcast/law-school-toolbox-podcast/id1027603976) or your favorite listening app. And feel free to reach out to us directly. You can always reach us via the contact form on the Law School Toolbox website (http://lawschooltoolbox.com/contact). If you're concerned about the bar exam, check out our sister site, the Bar Exam Toolbox (http://barexamtoolbox.com/). You can also sign up for our weekly podcast newsletter (https://lawschooltoolbox.com/get-law-school-podcast-updates/) to make sure you never miss an episode! Thanks for listening! Alison & Lee

John 5:45-47 Do not think that I will accuse you before the Father; the one who accuses you is Moses, in whom you have set your hope. For if you believed Moses, you would believe Me, for he wrote about Me. But if you do not believe his writings, how will you believe My words?” When did Moses write about Jesus? Everything about the tabernacle spoke about Jesus. He is the substance underlying the shadows of the tabernacle, the table of show bread, the lamp stand, the incense, the offerings, the priests, and the Sabbath festivals. We could go on and on. Jesus said the Jews did not believe Moses and therefore can not believe Him. Jesus' point was that Moses, the one in whom they set their hope, will accuse them for not believing Jesus' words. Implied is that one who believes Moses is on the right path to believing Jesus. However, we don't believe Jesus because of the witness of man. As He said earlier, He did not need man to witness for Him. He had the witness of the Father. We who have set our hope in Jesus may receive great encouragement from these verses. There may have been a time when we set our hope in keeping the Law, but we discovered there was no hope in keeping the Law of Moses. The Law could not effectually deal with our sin and make us righteous. We have believed Jesus' words that He is the way, the truth, and the life, and God's provision to bring us to God. So Moses will not condemn us, nor will Jesus. We have set our hope in Jesus. Let me remind you of Jesus' words that we believe. We believe Jesus when He commanded us to love one another with His love (John 13:34) and believe that He is the Son of God (John 14:1). We believe He is the resurrection and the life, and whoever believes in Him will never die (John 11:25). We believe His promise to give us the Holy Spirit, who is a witness to us from God that Jesus is in the Father, we are in Jesus, and He is in us. (John 14:20). We believe He will return and establish a new heaven and earth, where we will dwell with Him in righteousness (Rev. 21:1-5). Everyone and everything will be lovely! As we live to love with Jesus for the glory of God, we live with a wonderful hope. Christ in you, the hope of glory (Col. 1:27). I invite you to become a partner in our ministry. Would you pray about becoming a regular supporter of Elijah Ministries and the Live to Love with Jesus ministry? I hope you will receive the joy and benefit of "giving it forward," so others may receive encouragement to turn their hearts to God and to live to love with Jesus. You may give online or send a check to the address listed at www.spiritofelijah.com/donate.

Revelation Date: February 16, 1832 Revelation Place: Hiram, Ohio Section 76 - Historical Background: Having returned to Hiram Ohio from the church conference held in Amherst Ohio, Joseph Smith and Sidney Rigdon resumed the revision of the New Testament. When they came to John 5: 28-29, the original KJV read, “Marvel not at this; for the hour is coming, in the which all that are in the graves shall hear his voice, And shall come forth; they that have done good, unto life; and they that have done evil, unto the resurrection of damnation.” However, the Spirit inspired new writing as follows: “Marvel not at this; for the hour is coming, in the which all who are in their graves shall hear his voice, And shall come forth; they who have done good, in the resurrection of the just; and they who have done evil, in the resurrection of the unjust.” Implied by this new wording was that there are more than just 2 kingdoms, namely heaven or hell. Both Joseph and Sidney were troubled by this and inquired of the Lord for more enlightenment.   Recap: God will reveal to the righteous the mysteries and wonders of eternity, greater wisdom and understanding. Joseph and Sidney commune with Jesus Christ face to face, and declare their testimonies of the reality of God. They witness the council in Heaven, where Jehovah is chosen to be the Savior. Lucifer rebels against God and declares war against God and His Only Begotten Son. One third of God's spirit children are seduced by Lucifer and follow him, wherefore they are removed from heaven, never to be born and will suffer the second death, that is, to be cast back into outer darkness. All those spirits who were not seduced by Lucifer but were committed to Heavenly Father and His plan to send a Redeemer, even Jesus Christ, will be born into mortality and will be resurrected and redeemed to some degree (except for the sons of perdition). All the resurrected will inherit one of three kingdoms: the Celestial Kingdom (verses 51-70) with glory likened to the sun, who will dwell with God the Father and Jesus Christ; or the Terrestrial Kingdom (verses 71-80) with glory likened to the moon, administered by Christ; or the Telestial Kingdom (verses 81-90) with glory likened to the stars, administered by the Holy Ghost and angelic messengers. Regardless of which kingdom one inherits, all will bow the knee, and every tongue confess Jesus as the Christ and Father of their salvation. All shall be judged by Him, according to their own works, and receive their appropriate Kingdom of glory.  

In this episode of Options Bootcamp, host Mark Longo and co-host Dan Passarelli (Market Taker Mentoring) dive into forgotten and lesser-known options terminologies. The duo explores terms such as horizontal and vertical spreads, legging into trades, volatility smiles, realized vs. implied volatility, and risk premium harvesting. They touch upon trading floor lingo, including the roles of 'locals,' the use of 'raise' in retail automated execution systems, and the concept of 'out trades.' As they discuss each term, they highlight their relevance and usage in today's trading landscape. Listeners are also engaged with polls, letting them voice their opinions on these old-school trading terms.   01:04 Welcome to Options Bootcamp 01:38 Education Wednesday: Volatility Death Match Recap 02:59 Introducing the Black Hatted One: Dan Passarelli 03:59 Options Drills: Forgotten Terminology 05:42 Exploring Horizontal Spreads 07:23 Legging into Trades: Risks and Strategies 11:02 Volatility Smile and Skew 13:31 Implied vs. Realized Volatility 17:16 Back Spreads and Front Spreads 20:56 Under and Over: Pricing Complex Trades 23:49 The Renaissance of the Local Trading Crowd 25:05 The Evolution of Trading Roles 25:40 The Trading Crowd and Market Makers 27:43 Out Trades and Manual Entry 29:03 The Antiquated Practices of Trading 32:28 The Concept of Paper in Trading 34:02 Cabinet Trades and Penny Pricing 37:50 The Rise of Electronic Trading 41:41 Listener Polls and Apocalypse Assets 44:44 Concluding Remarks and Upcoming Shows  

In this episode of Options Bootcamp, host Mark Longo and co-host Dan Passarelli (Market Taker Mentoring) dive into forgotten and lesser-known options terminologies. The duo explores terms such as horizontal and vertical spreads, legging into trades, volatility smiles, realized vs. implied volatility, and risk premium harvesting. They touch upon trading floor lingo, including the roles of 'locals,' the use of 'raise' in retail automated execution systems, and the concept of 'out trades.' As they discuss each term, they highlight their relevance and usage in today's trading landscape. Listeners are also engaged with polls, letting them voice their opinions on these old-school trading terms.   01:04 Welcome to Options Bootcamp 01:38 Education Wednesday: Volatility Death Match Recap 02:59 Introducing the Black Hatted One: Dan Passarelli 03:59 Options Drills: Forgotten Terminology 05:42 Exploring Horizontal Spreads 07:23 Legging into Trades: Risks and Strategies 11:02 Volatility Smile and Skew 13:31 Implied vs. Realized Volatility 17:16 Back Spreads and Front Spreads 20:56 Under and Over: Pricing Complex Trades 23:49 The Renaissance of the Local Trading Crowd 25:05 The Evolution of Trading Roles 25:40 The Trading Crowd and Market Makers 27:43 Out Trades and Manual Entry 29:03 The Antiquated Practices of Trading 32:28 The Concept of Paper in Trading 34:02 Cabinet Trades and Penny Pricing 37:50 The Rise of Electronic Trading 41:41 Listener Polls and Apocalypse Assets 44:44 Concluding Remarks and Upcoming Shows  

The lecture covers the core concepts of agency law, explaining how a relationship is formed when one person, the principal, authorizes another, the agent, to act on their behalf subject to their control. It details the various ways agents gain the power to bind principals, including actual authority, apparent authority, and ratification. Furthermore, the lecture outlines the fiduciary duties agents owe to principals, such as loyalty and care, and the corresponding duties principals owe agents, including compensation and indemnification. It also explores the liability of both principals and agents to outside parties for contractual and tortious acts, examines common methods for terminating agency relationships, and touches upon relevant case law and ongoing doctrinal debates within the field.Agency is a relationship where one person (the agent) agrees to act on behalf of and under the control of another person (the principal), based on their mutual consent.Express actual authority is authority explicitly granted by the principal, either verbally or in writing. Implied actual authority is authority that is necessary, usual, or proper to carry out the tasks that were expressly authorized.Apparent authority is when a principal's words or actions cause a third party to reasonably believe that an agent has authority, even if they don't actually have it. The third party's reasonable belief is key.Ratification is when a principal approves or adopts an act performed by an agent who did not have authority at the time the act occurred. This makes the principal bound as if the agent had authority initially.The duty of loyalty requires the agent to act solely for the principal's benefit and avoid conflicts. The duty of care requires the agent to perform with normal competence and diligence. The duty of obedience requires the agent to follow the principal's lawful instructions.The principal owes duties to compensate the agent, reimburse the agent for proper expenses, and indemnify the agent for liabilities incurred while acting lawfully within the scope of authority.A disclosed principal is bound by a contract entered into by their agent when the agent is acting within the scope of their authority (actual or apparent).A principal might be held liable for an employee-agent's torts under the doctrine of respondeat superior, provided the tort occurred while the employee was acting within the scope of employment.Two events that automatically terminate agency are the death or incapacity of either the principal or the agent.Providing notice of termination to third parties is important to prevent the agent from continuing to bind the principal under apparent authority, potentially exposing the principal to liability for unauthorized acts.

Names in Genesis; How to get back to the Tree of Life; City-states = civil structures; Making laws; Law of Nature; Implied contracts; Questioning your knowledge; Seeking Holy Spirit; Telling whole truth; Lot sitting in the gates of Sodom; Binding of cities; Idol worshipers; Respecters of persons; Freedom from Bondage; Salvation theories; Is Jesus your God?; Biting one another; Symbolic rituals; Prov 3:5 Trust in the Lord, lean NOT ON YOUR OWN UNDERSTANDING; Ps 91; Journey of Abraham trusting in the Lord; "Son of God"; Ruling over other people?; Understanding world events; Genesis 20:1; Zoar; Philistines; Deception leading to bondage; Sons of Jacob or Israel; Changes in the journey; Laws and commandments; Subject to interpretation; Other "gods"?; Surety (for debt) of the people; Bondage of Egypt; Taking disadvantages with benefits; Reattaining freedom; Seeking righteousness; Repentance; Mark of the Beast; Gen 20:8; Trying to thwart evil?; Doing what Jesus said; Deeds; Seeing the whole truth about yourself; Humility; Forgiveness; Charity = love; Fear not!; Debate?; Today's iniquity; Welfare snares; Fleshpots; The role of The Church; Being Doers of The Word; "Kindness"; Abraham's admission; Birth rate; Gen 13:17; Gen 14:7; Enmeshing?; Gerar: Between Kadesh (holy/separate) and Shur?; Know thyself; Born again?; Shur = Fasting, Depriving self of comfort, protection from the world; Social welfare of Rome; Marcus Aurelius; Christening of babies; Pure religion; One-child contract in China; Responsibility for debt; Where is your righteousness?; Depending on faith, hope and charity; Free assembly; Spiritual revelation; "Libera res publica"; Seek the righteousness of God.

SCP-3199 is a species of sapient chimera composed of silkie chicken, chimpanzee, stoat, mussel, adder, and human DNA.Transcript: https://app.box.com/file/1718960133109Content warnings: gore/body horror. Implied threat of violence against an infant.PatronsBismarck king of the sea, Michael The Street, Robert, Abdullah Alomani, Matt Farrar, Matthew Kugler, NukaOoze, Joshua Honeycutt, Kimani Kennedy, Daniel Gray, River Zander, h p, JumboJimbo, Obi, Patrick Ireland, Xaviar Dasher, Blake, Dakota Stewart, Alex, Hunter Conover, Gabriel Frady, Rayne, Paul Dolson, Kyle Danner, David Doran, Kenneth, and Mathius Neilson Cast and CrewSCP Archives was created by Pacific S. Obadiah & Jon Grilz.SCP-3199  was written by bittermixinScript is by Kevin WhitlockNarrator- Jon GrilzRachel MacNally- Rebekah McLoughlinEmergency Responder: Erika SandersonDr. Fletcher- Kirsty WoolvenSergeant Angel Rouco- Chris Harris-BeecheyDirector Barbara Ewing- Fay RobertsMadman- Liv Smith Dialogue Editor- Derrick Valen MSound designer - Brad ColbroockMusic by Matt Roi BergerArt was  by Eduardo Valdés-HeviaShowrunner - Daisy McNamaraCreative Director-  Pacific S. Obadiah Executive Producers - Tom Owen and Brad Miska. Presented by Bloody FMwww.Bloody-Disgusting.comwww.SCParchives.com Patreon: https://www.patreon.com/scp_podStore: https://store.dftba.com/collections/scp-archivesInstagram: https://www.instagram.com/scp_pod/Bluesky: https://bsky.app/profile/scparchives.bsky.socialDiscord: https://discord.gg/tJEeNUzeZXTikTok: https://www.tiktok.com/@scppodYouTube: https://www.youtube.com/c/scparchives

Dive into how often people use indirect or protective strategies—like assuming or demanding—when trying to get their relational needs met, and why making needs explicit through vulnerability is both challenging and essential. Colter, Cayla, and Lauren emphasize that even though vulnerable communication is uncomfortable and risky, it's the most effective way to build connection and avoid misunderstandings or resentment. They offer practical guidance on organizing your thoughts, understanding your own context, and inviting your partner into a collaborative conversation rather than a demand-response dynamic. We cover topics such as: Protected vs Vulnerable Requests “You Should Just Know” Myth Context Over Commands Collaborative Communication And More! Give Me Discounts! Skylight - Visit skylightcal.com/IDO for $30 off your 15 inch calendar.  Prolon - Visit ProlonLife.com/IDO to claim your 15% discount and your bonus gift. PXG - Visit PXGApparel.com/IDO or use promo code: PODAPP-IDO to save 10% off your Spring/Summer 2025 Collection order. Amazfit - Visit www.amazfit.com/IDO to get 10% off Spark My Relationship Course: Get $100 off our online course. Visit SparkMyRelationship.com/Unlock for our special offer just for our I Do Podcast listeners! If you love this episode (and our podcast!), would you mind giving us a review in iTunes? It would mean the world to us and we promise it only takes a minute. Many thanks in advance! – Colter, Cayla, & Lauren Learn more about your ad choices. Visit megaphone.fm/adchoices

1) INFLATION - Over 2% again!2) IMPLIED VOLATILITY - Premiums return3) GOLD - Lower highs

Diana Perkins shares how you can master your emotions through discipline for trading success. Her journey has taken her from a childhood fascination with finance to building a career in trading and eventually launching her own trading education business. She mentors aspiring traders and emphasizes that long-term success is overwhelmingly about emotional discipline and risk management.  We discuss...  Diana Perkins shares that she knew finance was her calling from a young age, charging her sister interest on loans at age nine. She fell in love with trading stock options and derivatives, and mentors hundreds of aspiring traders. Today, Diana runs her own trading education business focused on teaching new traders with an emphasis on risk management. Most traders, particularly currency traders, tend to blow up at least one account as a "rite of passage." Fear, greed, and mindset are much bigger factors in trading success than simply knowing technical skills. Diana works extensively with options traders, helping them overcome the initial intimidation of options complexity. She emphasized the importance of discipline and emotional control in trading over just understanding strategies. Her favorite strategy when trading professionally is vertical spreads because of their limited risk and “set it and forget it” nature. She shared that she still trades today, both in her own account and through a virtual portfolio for her stock-picking service. Most people's natural instincts — fear, greed, impatience — are what make trading so challenging. Even random stock picks can perform well if trade management and discipline are handled properly. Diana emphasizes that discipline, probability, and risk management are at the core of successful trading, not just stock picking. It's important to focus on the amount of premium at risk rather than the number of contracts or shares controlled. Verticals require holding to expiration to capture full profit potential since gains are capped. Implied volatility (IV) can often cause seemingly "off" prices, particularly around earnings and major events. Consistency over time is critical to profiting from strategies like IV trading, much like "sell in May" seasonality trades. While AI tools can assist, she double-checks everything manually due to her auditing background and mistrust of "black box" systems. Although past performance isn't predictive, understanding human psychology — fear and greed — can offer powerful trading insights. Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Douglas Heagren | Pro College Planners Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast   For more information, visit the show notes at https://moneytreepodcast.com/discipline-for-trading-success-diana-perkins-708 

"Your Kingdom Come."Implied in this prayer is full surrender to God's Kingdom not our own. But because of the work of Jesus, this is good news for a world full of division and death.

In which a lot has happened in the Six Month Gap (and we even get to learn about some of it); we'd missed Claremontian narration; Miles has questions about Colossus's ponytail; the Soulsword is basically a Poké Ball; the Shadow Pope is cooler than the regular Pope; and Magik has a secret. X-PLAINED: Some big news X-Men: Black Sun #1-5 Phoenix and Psylocke's sorta-power-swap Implied continuity The N'Garai Belasco Limbo Magik (Illyana Rasputin) New costumes Priests vs blood magic An impressively overcomplicated evil plot Chekhov's skeleton Body swaps and/or possession Thunderbird (Neal Sharra) Pilgrimm and the Ru'tai (again, surprisingly) Astral meetups Confusing bloodstone math A Triple-Tech Magik (Amanda Sefton) Counting X-generations Our favorite X-decades NEXT EPISODE: More Magik! Check out the visual companion to this episode on our blog. Find us on Apple Podcasts or Spotify! Jay and Miles X-Plain the X-Men is 100% ad-free and listener supported. If you want to help support the podcast–and unlock more cool stuff–you can do that right here! Buy rad swag at our Dashery shop!

In the premiere of U Got Options, Cem Karsan is joined by Mike Green for an unfiltered, high-conviction conversation straight from the floor of the CBOE. Together, they dive deep into the explosive growth of 0DTE options - now driving over 60% of S&P volume - and unpack how this shift is quietly rewiring market reflexivity, volatility dynamics, and the path of dispersion. With stories from the pits and sharp macro takeaways, this episode sets the tone for a series that goes beyond the headlines to decode the real forces shaping today's markets. Raw. Insightful. Essential.-----50 YEARS OF TREND FOLLOWING BOOK AND BEHIND-THE-SCENES VIDEO FOR ACCREDITED INVESTORS - CLICK HERE-----Follow Niels on Twitter, LinkedIn, YouTube or via the TTU website.IT's TRUE ? – most CIO's read 50+ books each year – get your FREE copy of the Ultimate Guide to the Best Investment Books ever written here.And you can get a free copy of my latest book “Ten Reasons to Add Trend Following to Your Portfolio” here.Learn more about the Trend Barometer here.Send your questions to info@toptradersunplugged.comAnd please share this episode with a like-minded friend and leave an honest Rating & Review on iTunes or Spotify so more people can discover the podcast.Follow Cem on Twitter.Episode TimeStamps: 02:04 - Introduction to Mike Green07:39 - How and why 0DTE options have changed the investing landscape17:23 - Implied volatility is changing - what does it mean for investors?25:18 - How periods of relative stability impact investor behaviour31:03 - The unwind of passives - is the system under pressure?39:51 - What are prices actually telling us?43:31 - Why this cycle might be different48:52 - What makes a long lasting investor?54:17 - A deep dive into passive flows57:18 - Individualism in investing - are we becoming too separated?Copyright © 2024 – CMC AG – All Rights Reserved----PLUS: Whenever you're ready... here are 3 ways I can help you in your investment Journey:1. eBooks that cover key topics that you need to know...

Joe's Premium Subscription: www.standardgrain.comGrain Markets and Other Stuff Links-Apple PodcastsSpotifyTikTokYouTubeFutures and options trading involves risk of loss and is not suitable for everyone.

In this episode, Jeff Malec sits down with Rick Silva, the co-founder of Metaurus Advisors, a boutique asset manager. Rick walks us through Metaurus Advisors' innovative approach to understanding and trading the equity risk premium using dividend futures markets.Rick Silva provides insights into the firm's background in derivative markets and their goal of bringing fixed income securitization techniques to the equity space. He explains the concept of parallel tranche securitization applied to the S&P 500 using dividend futures, which offers visibility into how the market prices equity cash flows and the equity risk premium.Rick and Jeff discuss the strategies Metaurus has developed to harvest risk premiums in the front-end of the dividend curve across different markets, as well as the introduction of new futures contracts based on sequential tranche securitization of a 100-stock index. The episode also addresses the challenges and opportunities in the dividend futures market, including differences across regions, and for a little fun, we fall down a political rabbit hole - SEND IT!Chapters:00:00-01:02=Intro01:03-09:57= Bringing Fixed Income Securitization Techniques to the Equity Markets09:58-21:53= Harvesting Equity Risk Premiums through Dividend Futures Strategies21:54-35:36=Introducing Sequential Tranche Securitization in Equity Futures Contracts35:37-44:06=Dividend Futures Markets Across Regions and Regulatory Challenges44:07-54:07=Implied growth rate & data analysis54:08-59:22=Rabbit Holes: Political Impacts Metaurus Advisors Don't forget to subscribe to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Derivative⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, follow us on Twitter at⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@rcmAlts⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and our host Jeff at⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@AttainCap2⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ , and⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, and⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠sign-up for our blog digest⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.Disclaimer: This podcast is provided for informational purposes only and should not be relied upon as legal, business, or tax advice. All opinions expressed by podcast participants are solely their own opinions and do not necessarily reflect the opinions of RCM Alternatives, their affiliates, or companies featured. Due to industry regulations, participants on this podcast are instructed not to make specific trade recommendations, nor reference past or potential profits. And listeners are reminded that managed futures, commodity trading, and other alternative investments are complex and carry a risk of substantial losses. As such, they are not suitable for all investors. For more information, visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.rcmalternatives.com/disclaimer⁠

My process is about seeking out some alpha through analyzing a broad spectrum of prices, specifically the one's that imply some probability. I will repeat that it is the options market, not the stock market that is the best economist in the world. Option contracts carry the dimensions of time – the expiration – and distance – the strike price and the resulting prices help us gauge two important questions for investors, “when and by how much?”.So, in no particular order, a few things on my mind that I invite you to consider alongside me. First, I explore the overlap between geopolitics and market volatility – “GeoVolitics”. If there was an index of geopolitical risk, it's on the upswing to be sure. At some point, this uncertainty may become so profoundly difficult to price that market participants throw their hands up and assign substantial levels of risk premia, a higher price for insuring against loss across the major asset classes. I then consider the price of gold and finish with some thoughts on the tight levels of credit spreads and low level of credit implied volatility.  I hope you enjoy and find this useful. Be well.

Implied ARR is the SaaS metric used to convert GAAP revenue for public SaaS companies into an equivalent to Annual Recurring Revenue (ARR) used by investors and private SaaS companies. Dave "CAC" Kellogg and Ray "Growth" Rike discuss the what, why and how behind Implied ARR.During this episode CAC and Growth discuss multiple Implied ARR topics including:Implied ARR Calculation FormulaWhy Investors Calculate Implied ARRSaaS Metrics that use Implied ARRChallenges with Implied ARRImplied ARR versus Trailing Twelve Month RevenueIf you are interested in how public SaaS companies analysts use Implied ARR, and what the differences are between private SaaS companies ARR and public SaaS companies Implied ARR this is another great listen!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Joe's Premium Subscription: www.standardgrain.comGrain Markets and Other Stuff Links-Apple PodcastsSpotifyTikTokYouTubeFutures and options trading involves risk of loss and is not suitable for everyone.0:00 Subscribe!1:00 Canada Tariff Threat3:45 45Z / CSA5:42 NOPA Crush8:13 Argentina Rainfall9:58 Ethanol Production10:59 Consumer InflationCanada's Potential Tariffs on US ProductsCanada is preparing to impose tariffs on $105 billion worth of US products if President-elect Donald Trump moves forward with his planned tariffs on Canadian goods. The list of products targeted by Canadian tariffs hasn't been disclosed yet, but they could affect almost a third of US exports to Canada. USDA Issues New Rule for Climate-Smart BiofuelsThe USDA has announced an interim rule regarding climate-smart practices for biofuel feedstocks. This includes corn, soy, and sorghum and provides farmers with more flexibility to adopt practices like no-till, cover crops, and nutrient management to reduce greenhouse gas emissions. This rule will tie into the 45Z tax credit guidance, potentially unlocking new market opportunities for farmers producing biofuel feedstocks. US Soybean Crush Hits Record HighThe National Oilseed Processors Association (NOPA) released its December crush data, showing that US soybean crush hit an all-time high of 206.6 million bushels. This is a 6.9% increase from November and a 5.8% increase compared to last year. Soybean oil stocks climbed to 1.2 billion pounds, although they were slightly below trade estimates. This marks a strong 2024 for soybean production and oil availability.Argentina's Crop Outlook RevisedThe Rosario Grains Exchange has lowered its corn and soybean crop estimates for Argentina. Argentina's corn crop is now projected at 48mmt, down from previous estimates of 50-51mmt due to dry conditions. Similarly, soybean output is expected to fall, as droughts have reduced yields. The revised forecasts suggest that rainfall in both Argentina and southern Brazil could provide some relief in the coming weeks.US Ethanol Production Remains StrongUS ethanol production fell slightly by 1% last week to 1.1 million barrels per day but remains up 3.1% compared to last year. Ethanol stocks rose to 25 million barrels, marking a 3.6% week-over-week increase. Implied gasoline demand showed a slight dip, down 1.8% from the previous week, but remained steady year-over-year. Keep an eye on ethanol production as it continues to play a key role in biofuel output and agriculture!Inflation Indicator Declines for First Time Since JulyCore CPI (excluding food and gas) rose by 0.2% in December, showing the first decline since July. The annual increase is now 3.2%, down slightly from 3.3% in November. Headline CPI rose to 2.9%, staying in line with expectations. Experts are concerned that Trump's economic policies could cause inflation to resurge. 

Joe's Premium Subscription: www.standardgrain.comGrain Markets and Other Stuff Links-Apple PodcastsSpotifyTikTokYouTubeFutures and options trading involves risk of loss and is not suitable for everyone.0:00 Export Sales2:35 Ethanol Production5:38 Argentina Update / Weather6:57 Brazil Update / Weather8:32 Russia Wheat Problems9:56 US Dollar is StrongUS Corn Exports Surge, Soybean Sales FallUS corn export sales surged last week, surpassing expectations with 1.7 million metric tons (67 million bushels) of corn sold. This was a 46% increase from the previous week and 39% higher than the 4-week average. Mexico was the largest corn buyer for the week. On the other hand, soybean sales dropped to a marketing year low at 978,400 metric tons (36 million bushels), falling 31% from the previous week and 47% from the 4-week average. China was the largest soybean buyer for the week. Wheat sales exceeded expectations with 612,400 metric tons (23 million bushels) sold, a 34% increase from the previous week. Mexico was the largest wheat buyer.US Ethanol Production Continues StrongUS ethanol production remained robust last week, with weekly output of 1.11 million barrels per day, showing a 3.4% increase compared to the same week last year. Ethanol stocks rose to 23.07 million barrels, a 2% increase from the prior week. Implied gasoline demand was also up by 1% compared to the previous week and 3% compared to the same week last year. Over the past four weeks, implied US gasoline demand has risen by 3.5% compared to the same period last year.Argentina's Corn and Soybean Acreage AdjustmentsThe Buenos Aires Grains Exchange has revised its outlook for Argentina's corn and soybean acres. Corn acreage is now projected at 16.3 million acres, nearly 5% higher than the previous estimate. However, soybean acreage was reduced by 1.1%, now projected at 45.5 million acres, as farmers shift to more profitable crops.Brazil's Soybean Crop Estimate IncreasedThe USDA's Brazil attaché office has raised its Brazil soybean production estimate to 165mmt, citing timely planting and favorable early rainfall. The updated estimate is 2.3% higher than last season's crop. CONAB, Brazil's government agency, is forecasting the crop at 166.2 mmt, while the USDA projects 169 mmt.Russia's Winter Wheat Conditions DeterioratingThe condition of Russia's winter wheat crops is forecast to worsen in January due to warmer-than-average temperatures and excess precipitation. This has led to weakened sprouts. While crop conditions in southern Russia are expected to be average, soil moisture remains low, posing risks to yields.US Dollar Strengthens Amid Economic Growth and Tariff ConcernsThe US dollar is on track to post its strongest annual gain in nearly a decade, rising over 7% this year, according to the Bloomberg Spot Index. The dollar's strength is attributed to the robust US economy, which has reduced expectations of further Federal Reserve rate cuts. Additionally, Trump's tariff threats have boosted expectations for the dollar's performance, making it a key focus in global ma

Joe's Premium Subscription: www.standardgrain.comGrain Markets and Other Stuff Links-Apple PodcastsSpotifyTikTokYouTubeFutures and options trading involves risk of loss and is not suitable for everyone.Trump Opposes Stopgap US Government Spending BillPresident-elect Donald Trump has voiced strong opposition to the stopgap US government spending bill. In a Fox News interview, Trump stated that he is totally against the bill, although he doesn't have the power to veto it, as he isn't president yet. Trump's influence over Republican lawmakers could still impact the bill's passage. The spending package, if passed, would fund the government through mid-March. However, if the bill fails, the government could face a partial shutdown as early as Saturday. The bill includes $31 billion in aid for US farmers, which has been a point of contention for many agricultural groups.Soybean Futures Collapse Amid Bearish Market SentimentSoybean futures took a significant hit on Wednesday, with the March 2025 contract losing more than 25 cents per bushel. On a continuation basis, spot futures posted their lowest trade since late August. A breakout below key technical support earlier in the week likely triggered additional selling pressure. Fund traders were estimated to have sold 20,000 contracts, contributing to the downward trend. Brazil's Soybean Crop Estimate Continues to RiseEstimates for Brazil's soybean crop continue to grow. Patria Agronegocios, a Brazilian consulting group, now expects the crop to reach 170.4 million metric tons (mmt), slightly above the USDA's forecast of 169 mmt. Brazil's corn crop is also projected to be robust at 129.3 mmt, compared to the USDA's estimate of 127 mmt.US Ethanol Production Strong AgainUS ethanol production was strong last week, with output reaching 1.1 million barrels per day, a 2.3% increase from the previous week and 2.7% higher than the same week last year. Ethanol stocks stood at 22.6 million barrels, slightly lower than the prior week but still up 2.4% year-over-year. Implied gasoline demand was up 1.3% compared to the previous week and 1% higher than last year, reflecting consistent fuel demand. Over the last four weeks, implied US gasoline demand is up 2.9% compared to the same period last year.Biden Administration Awards $116 Million to Fertilizer IndustryThe Biden administration has awarded $116 million to the fertilizer industry to help increase competition and lower costs. The funds will be distributed to eight facilities to expand fertilizer production across nine states. This investment comes as agricultural groups and lawmakers have criticized the consolidation of the $140 billion US fertilizer industry. Federal Reserve Cuts Interest Rates for Third Time in a RowThe Federal Reserve cut interest rates by 0.25% on Wednesday, marking its third consecutive rate cut. The new benchmark short-term rate is now 4.25% to 4.5%. The Fed signaled that it expects to reduce rates only twice in 2025, as opposed to the previously anticipated four cuts. The news sent stock markets tumbling, with the Dow Jones falling 2.6%, the S&P 500 dropping 3%, and the Nasdaq losing 3.6%.The USDA reported flash sales on Wednesday:135,000 metric tons (5 million bushels) of corn were sold to Colombia for delivery during the 2024/2025 marketing year.120,000 metric tons of soybean cake and meal were sold to Colombia for delivery in the 2024/2025 marketing year.

Joe's Premium Subscription: www.standardgrain.comGrain Markets and Other Stuff Links-Apple PodcastsSpotifyTikTokYouTubeFutures and options trading involves risk of loss and is not suitable for everyone.0:00 Farmer Selling2:35 China is "Prepared" for Trade War6:10 Ethanol Production7:22 Gold/Silver Tariff Implications8:28 Inflation UpdateCorn Futures Encounter Technical ResistanceCorn futures struggled on Wednesday to break through key technical resistance levels. The most heavily traded March 2025 contract stopped just 1 cent short of its October high before reverting lower. Anecdotal reports suggest a substantial amount of farmer selling occurred, which contributed to the price pullback. Despite this, ethanol plants and elevators posted weaker basis bids amid strength in the futures market. Private estimates indicate that fund traders were net buyers of 5,000 contracts on Wednesday after buying 30,000-35,000 contracts on Tuesday. Some estimates suggest large money managers could be net long as much as 150,000 contracts in real time.Potential Second Trump Trade War: A Bigger Risk for US Grain ExportsAnalysts believe that a second trade war with China could be more damaging than the first, especially for US soybean exports. During the first trade war, Chinese soybean purchases from the US dropped 79%, but China still relied on US supplies for certain needs. If a new trade war breaks out, however, China may completely shift to Brazilian soybeans and could bypass US soybeans entirely. Additionally, China is better prepared for another trade war, as it currently holds record soybean stocks. In recent years, China has also sought to reduce its reliance on US corn, approving the import of Brazilian and Argentine corn. US Ethanol Production Shows Modest IncreaseUS ethanol production increased slightly last week, with output reaching 1.08 million barrels per day, showing a small increase both from the previous week and compared to the same week last year. Ethanol stocks were reported at 22.6 million barrels, a 1.5% decrease from the previous week but a 5.6% increase from the same week last year. Implied gasoline demand rose by 1% compared to the previous week and 4.1% year-over-year. Over the last four weeks, implied US gasoline demand is up 1.1% compared to the same period last year.Gold and Silver Premiums Surge Amid Tariff ConcernsGold and silver premiums surged in New York on Wednesday, with gold futures for February delivery trading up to $60 an ounce above spot prices in London. Silver futures were more than $1 an ounce higher during the session. This spike in premiums was driven by short-covering by banks and funds, with concerns about the potential impact of 10% tariffs on precious metals. Consumer Prices Rise in NovemberUS consumer prices rose by 2.7% in November on an annual basis, up from 2.6% in October. For the month, inflation climbed 0.3%, marking the largest monthly increase since April. Both figures were in line with expectations. Despite the uptick in inflation, traders are anticipating a 99% chance that the Fed will cut interest rates by a quarter percentage point at their meeting next week. 

Joe's Premium Subscription: www.standardgrain.comGrain Markets and Other Stuff Links-Apple PodcastsSpotifyTikTokYouTubeFutures and options trading involves risk of loss and is not suitable for everyone.0:00 Stock Market and Grain Marketing Comparison4:29 Bitcoin 100k6:02 Mexico Economic Problems7:46 Mexico GMO Ban?10:47 Russia Wheat Problems12:11 Ethanol Production PaceStock Market Hits Record HighsThe stock market reached new record highs on Wednesday! The Dow Jones climbed by 0.7%, surpassing the 45,000 mark for the first time. Both the S&P 500 and the Nasdaq also set new records, gaining 0.6% and 1.3%, respectively. These gains were driven by a rally in technology stocks, alongside positive remarks from Federal Reserve Chair Jerome Powell, who stated that the US economy is in "remarkably good shape" and that potential risks in the labor market have subsided. Bitcoin Soars Above $100,000Bitcoin traded above $100,000 for the first time early this morning! The world's most famous cryptocurrency has rallied more than 40% since Donald Trump's election in early November. Paul Atkins, a well-known crypto advocate, was appointed to chair the Securities and Exchange Commission (SEC) by Trump, sparking optimism in the crypto community. Additionally, significant money flows into Wall Street's Bitcoin ETFs have added to the momentum.Mexico's Economic Outlook DeterioratesMexico's economic outlook is deteriorating, with 47% of Mexicans now believing the economy is in bad shape, an increase from 44% in October. The economic slowdown is becoming more apparent after only two months under the new administration. The situation could worsen if President-elect Donald Trump follows through with his proposed 25% tariffs on Mexican imports.Mexico and GM Corn Imports Dispute Nears ResolutionMexico is optimistic about a resolution to its dispute over genetically modified (GM) corn imports. The US had opposed Mexico's attempt to limit these imports, claiming that the restrictions violated the USMCA agreement. The dispute resolution is expected by December 14, which could offer clarity on future trade relations between the two countries.Russia's Winter Crops Face Record Poor ConditionsRussia's winter crops are facing the worst conditions on record, with a 37% of the crop in poor condition, the highest percentage ever recorded. In comparison, only 4% of last year's crop was in poor condition at this time, and the five-year average is 8%. The crop's quality has significantly dropped, with only 31% rated in good condition, the lowest in 23 years. US Ethanol Production Declines for the First Time in Over Two MonthsUS ethanol production dropped by 4.1% last week to 1.07 million barrels per day, the first decline in more than two months. Despite this, production remains 6.1% higher than the same week last year. Ethanol stocks increased to 23 million barrels, a +1% increase compared to the previous week. Implied gasoline demand rose 2.7% compared to last week and 6.5% compared to last year, although US gasoline demand has been slightly down over the las

Welcome back to the Bar Exam Toolbox podcast! In this episode, we discuss the essentials of leaseholds in landlord/tenant law. We cover the different types of leasehold estates, as well as the obligations of tenants and landlords, and we analyze a sample question. In Part 2, we'll focus on assignment and subletting.  In this episode, we discuss: The four types of leasehold estates that can be created with a lease Duties of landlords and tenants Implied warranty of habitability Actual vs. constructive eviction A hypothetical scenario illustrating leaseholds Resources: "Listen and Learn" series (https://barexamtoolbox.com/bar-exam-toolbox-podcast-archive-by-topic/bar-exam-toolbox-podcast-explaining-individual-mee-and-california-bar-essay-questions/#listen-learn) California Bar Examination – Essay Questions and Selected Answers, February 2023 (https://www.calbar.ca.gov/Portals/0/documents/admissions/Examinations/February2023CBXessayQsandAnswers.pdf) Podcast Episode 93: Listen and Learn – Constructive Eviction (https://barexamtoolbox.com/podcast-episode-93-listen-and-learn-constructive-eviction/) Podcast Episode 149: Listen and Learn – Negligence: Duties of Landlords, Owners, and Possessors of Land (https://barexamtoolbox.com/podcast-episode-149-listen-and-learn-negligence-duties-of-landlords-owners-and-possessors-of-land/) Download the Transcript (https://barexamtoolbox.com/episode-289-listen-and-learn-landlord-tenant-law-part-1/) If you enjoy the podcast, we'd love a nice review and/or rating on Apple Podcasts (https://itunes.apple.com/us/podcast/bar-exam-toolbox-podcast-pass-bar-exam-less-stress/id1370651486) or your favorite listening app. And feel free to reach out to us directly. You can always reach us via the contact form on the Bar Exam Toolbox website (https://barexamtoolbox.com/contact-us/). Finally, if you don't want to miss anything, you can sign up for podcast updates (https://barexamtoolbox.com/get-bar-exam-toolbox-podcast-updates/)! Thanks for listening! Alison & Lee

It's that time of year again! April the Twentieth has become so mainstream that the stores are crowded because of all the crime sales so instead lets talk about some other important things, like how to be respected for your soup, raw broccoli, and how helicopters work. Suggested talking points: The Implied existence of Drug Heavy Zones, Soup is Earned, Can't Make It Rain Plasma, Stank Green the Helicopter Expert, Wet Box of Non-Soup Food Palestine Children's Relief Fund: https://www.pcrf.net/