Podcasts about Lehman

As Lehman Brothers teeters on the edge of bankruptcy, Treasury Secretary Hank Paulson summons Wall Street's most powerful figures for one fateful weekend—their last chance to save Lehman and prevent the collapse of the global financial system.Be the first to know about Wondery's newest podcasts, curated recommendations, and more! Sign up now at https://wondery.fm/wonderynewsletterListen to American Scandal on the Wondery App or wherever you get your podcasts. Experience all episodes ad-free and be the first to binge the newest season. Unlock exclusive early access by joining Wondery+ in the Wondery App, Apple Podcasts or Spotify. Start your free trial today by visiting wondery.com/links/american-scandal/ now.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Michelle Warner took the “escapee avoidance” route — she planned to do the traditional MBA-to-consulting path… then graduated straight into the Great Recession (the day Lehman fell). That curveball pushed her into entrepreneurship early: a founder-for-hire role turning a multi-billion-dollar foundation asset into a business, followed by a mission-driven tech startup, and eventually her current work helping small business owners design the next iteration of their business.This is a tactical episode about what actually works when you're leaving corporate: why you should “throw spaghetti at the wall” early, how to stop doing random coffee chats, and how to use relationship marketing and audience borrowing to land clients faster — without turning into a sales robot.What you'll learn • Why “sequence over strategy” matters more than the perfect plan • The hidden risk of being too strict and narrow early on (and why it creates regret later) • How Michelle built her business through relationship marketing, not content churn • “Audience borrowing” as the fastest way to build trust and pipeline • How to approach connector conversations vs. client conversations • Why your early goal is simple: learn how to make money and stack wins • A practical way to think about packaging: repeatable frameworks, flexible middleKey moments / highlights • Graduating into chaos: the day Lehman fell and what it changed • Founder-for-hire: getting a salary while living the startup founder life • Affordable internet in inner cities — and what customers actually did with it • “Fractional CEO” before fractional was trendy • The rule: don't build with blinders on for too long • The shift from “networking for jobs” to networking as a long-term business asset • The line that matters: say something that people can't “unsee” after the callMichelle's core concepts (worth stealing) • Sequence over strategy: the order of moves beats the elegance of the plan • Throw spaghetti first: test offers, clients, and problems before you commit • Connection avatar: define who's worth meeting so networking doesn't waste your life • Trust transfer: get introduced through people/places your audience already trusts • Audience borrowing: build relationships with people who “own the room” your clients are inBest quote energy • “Learn all the rules so you can go break them.” • “It's more important the order you do things than how good you are at it.” • “I'm totally unemployable.” (Escapee anthem)Connect with Michelle • Website: themichellewarner.com • Podcast: Sequence Over Strategy (short, practical episodes; curated playlists on her site)Connect with Brett / The Escapee ecosystem • If corporate is broken and you're looking at an exit strategy, this is your sign. • Join the community: TheEscapeeCollective.com

The Wealth Formula Podcast is one of the longest-running personal finance podcasts still standing. For more than a decade, I've shown up every single week to talk about investing, markets, and the forces shaping the economy. What's interesting is how much my own thinking has evolved over that time. Early on, I was more rigid. I was—and still am—a real estate guy. But back then, I didn't give much thought to ideas outside that lane. I was dogmatic, and I didn't always challenge my own beliefs. Time has a way of doing that for you. I've now lived through multiple market cycles. I've watched the stock market melt up to valuations that felt absurd—and then keep going. I've seen gold go from flat for a decade to parabolic over a year. I've seen interest rates sit near zero for a decade and then snap higher at the fastest pace in modern history. And I've learned, sometimes the hard way, that diversification is about survival and that every asset class has its day. One lesson I learned that I am thinking a lot about these days is: ignore major technological shifts at your own peril. Back in 2014, I first started hearing people talk seriously about Bitcoin. At the time, I dismissed it. I listened to the critics, was convinced it was a scam, and didn't take the time to truly understand it. That was a mistake—not because everyone should have bought Bitcoin, but because I ignored a structural change happening right in front of me. Bitcoin went from a cypherpunk expression of freedom to the largest ETF owned by BlackRock. Today, the dominant story is artificial intelligence. And whether you love stocks, hate stocks, prefer real estate, or focus exclusively on cash flow, you cannot afford to ignore AI. This isn't a fad. It's a general-purpose technology—on the scale of electricity, the internet, or the industrial revolution itself. That doesn't mean it's easy to invest in. It's hard to look at headline names trading at massive valuations and feel good about buying them today. But investing in AI isn't about chasing a single company. It's about understanding second- and third-order effects: energy demand, data centers, productivity gains, labor displacement, capital flows, and how blockchain and decentralized systems intersect with all of it. What experience has taught me is this: you don't need to be first to invest—but you do need to be early in understanding. If you wait until something feels obvious, most of the opportunity is already gone. This week's episode of the Wealth Formula Podcast is focused squarely on AI and blockchain—what's real, what's noise, and where the long-term implications may lie. Listen to this episode. You'll come away smarter. And years from now, you may look back and realize this was one of those moments where paying attention really mattered. Transcript Disclaimer: This transcript was generated by AI and may not be 100% accurate. If you notice any errors or corrections, please email us at phil@wealthformula.com.  Welcome everybody. This is Buck Joffrey with the Wealth Formula Podcast. Coming to you from Montecito, California. Today we wanna start with a reminder. We are in a new year and we are already doing deals, uh, through the Wealth Formula Accredit Investor Club. You can go and sign up for that for free. Uh, wealth formula.com just hit investor club and you just get on there and, and you’ll get onboarded. And from there, all you gotta do is wait for deal flow and webinars coming to your inbox. And, um, you know, if nothing else, you learn something. So go check it out. Uh, go to. Wealth formula.com and sign up for Investor Club now onto today’s show. Uh, the, it is interesting. I don’t know if you are aware it’s a listener, but we are, wealth Formula is, uh, probably I would say one of the, certainly in the one of the top longest running personal finance podcasts still. Standing. Uh, I’ve been around, well, I think the first episode was on like 2014, so it was a long time, but in earnest, you know, at least for over a decade. And, you know, during that time, I’ve shown up every week, every single week. Don’t Ms. Weeks, but none, none. Isn’t that incredible? I’ve shown up, uh, talked about investing and talked about very way markets are working, forces, shaping the economy, all that kind of stuff. But you know, as you can imagine, as a. As a younger individual versus, um, my crusty self. Now, you know, a lot of my own thinking has evolved over that time, you know, back then. And I, you know, I think this appealed to some people, but, um, you know, I was really dogmatic. I’m a real estate guy, right? And I still am a real estate guy, but back then I wouldn’t give anything else the time of day to even think about, you know, and, and, uh, I, I, you know. I was dogmatic and didn’t always challenge my own belief systems. Um, I’m different now, right? I’ve softened And time is a way of, of changing all of that dogmatic stuff for you. You know, I’ve lived through multiple market cycles. I’ve watched, well, I’ve watched the stock market, which I, which I always maligned, you know, melt up to valuations. Uh, that felt absurd. And then keep going higher. I’ve seen gold, which was kind of ridiculous for the longest time. I watched it for like a decade, just pretty much flat, and then it goes parabolic. Over the last year, I’ve seen interest rates sit near zero for a decade and then snap higher. Uh, not even as time, just launch higher at the fastest space in modern history. And I’ve learned sometimes I guess, the hard way that diversification is about survival and that every class, every asset class has its day. Just like every dog has its day. And um, you know, one other lesson that I learned that I’m thinking a lot about these days is ignore major technological shifts at your own peril. So what am I talking about? Well. It’s kind of a, it is a technological shift, whether you think it about not, but Bitcoin. Okay. Back in 2014, I first started hearing people talk seriously about Bitcoin, and at that time I dismissed it. I was, uh, I was listening to critics beater Schiff that constantly called it a scam, said it was going to zero and so on. I didn’t, I didn’t take the time to truly understand it, to try to understand it the way I understand it now, that makes me a believer in Bitcoin. That, of course was a big mistake, not because, you know, everyone should have bought Bitcoin and, uh, back then, well, they, you know, would’ve been nice if they did, but because fundamentally I ignored something that was a structural change happening right in front of me. And since then, Bitcoin went from a cipher punk expression of freedom to the large CTF owned by BlackRock today. The dominant story is actually artificial intelligence. Now, whether you love stocks, hate stocks, prefer real estate focused exclusively on cab, whatever, you cannot afford to ignore ai. It’s not a fad. It’s a general purpose technology and a technology shift, and the scale of electricity. The internet bigger than the internet, bigger than the industrial revolution. Now, that doesn’t mean it’s easy to invest in. I mean, I’m gonna go invest in AI and make a bunch of money because I mean, what does that even mean? It’s hard to look at headline names, trading at massive valuations like Nvidia and all that right now, and saying, oh, I’m gonna go buy that. Who knows? That’s gonna work out. When I talk about investing in AI isn’t really just investing in stocks or any individual company or data centers or whatever. It’s about understanding. The second and third order effects, energy demand. You know, as I mentioned, data centers, productivity gains, labor displacement, capital flows, and how blockchain and decentralized systems intersect with all of that. It is very, very complicated. Um, but it’s really important to start to try to understand, you know, an experience that stop me is this. You don’t need to be the first to invest, but you do need to be early in understanding. If you wait until something feels obvious, usually the opportunity’s gone by then. And you know, the thing about AI is even if you think it’s obvious now. The reality is that most people haven’t really caught on. Maybe they played with chat GPT, but I don’t think they’re understanding what this whole, you know, this thing is gonna do to our world. Um, anyway, so that is what this week’s episode of Wealth Formula Podcast, uh, is about. It’s about AI and also, um, a little bit about, you know, bitcoin and blockchain and that kind of thing. Um, we’re gonna talk about what’s noise, uh, you know, where the long, what the long-term, uh, implications are all of this stuff. This is a show that, uh, I really enjoy doing really, really good stuff. Um, so make sure you listen in. We’ll have that interview for you right after these messages. Wealth Formula banking is an ingenious concept powered by whole life insurance, but instead of acting just as a safety net. The strategy supercharges your investments. First, you create a personal financial reservoir that grows at a compounding interest rate much higher than any bank savings account. As your money accumulates, you borrow from your own bank to invest in other cash flowing investments. Here’s the key. Even though you borrowed money at a simple interest rate, your insurance company keeps paying you compound interest. On that money, even though you’ve borrowed it, that result, you make money in two places at the same time. That’s why your investments get supercharged. This isn’t a new technique. It’s a refined strategy used by some of the wealthiest families in history, and it uses century old rock solid insurance companies as its backbone. Turbocharge your investments. Visit Wealth formula banking.com. Again, that’s wealth formula banking.com. Welcome back to the show, everyone. Today. My guest on Wealth Formula podcast is Jim Thorne, chief Market strategist at Wellington. L is private wealth with more than 25 years of experience in capital markets. He’s previously served as chief capital market strategist, senior portfolio manager, chief economist, and CIO. Uh, equities at major investment firms and has also taught economics and finance at the university level. Uh, Jim is known for translating complex economic, political, and market dynamics into clear actionable insights to help investors and advisors navigate long-term capital decisions. Uh, Jim, welcome with the program. Thanks for having me Buck. Well, um, Tim, I, I, I, uh, had been following a little bit of, uh, what you discuss on, uh, on X and, um, one of the things that caught my eye is, you know, your, your narrative on, on ai, a lot of people are tend to be still sort of skeptical of AI and what’s going on, uh, with the markets. Um, uh, but at the same time, uh, there’s this. Sense. I think that ignoring AI altogether as an investor is, is, is downright potentially dangerous. So, uh, at the highest level, why is AI something people simply can’t dismiss? Well, we live in an, uh, uh, you know, many other people have coined this term, but we live, we’re living in an exponential age of, of technological innovation. And, you know, AI and I’ll just add into their, uh, blockchain is just the normal evolutionary process that, you know, for me started when I left graduate school and came into the business in the nineties where everybody had this high degree of skepticism of the computer and the, the, the phone, the, the. And the internet. And so, you know, what we do is we go through these cycles and there are periods of time where the stars align. And we have a period of time where we have what I would call an intense period of innovation where I would suggest to you that. People are skeptical. Skeptical, and yet at the same point in time, they very early on in the, in the, in the trade, call it a bubble when it’s not. And so I think it comes from the position of ignorance. One, I think two, fear, and then three. If you think about if you are an active manager, I in a 40 ACT fund, um, you know, and you’re sitting there with, uh, you know, mi. Uh, Nvidia at, you know, eight or 9% of your index. And that’s a big chunk that you’ve gotta put into your fund, uh, just to be market neutral. So there’s a lot of people that hate this rally. There’s a lot of people that are can, going to continue to hate this rally. But the thing I anchor my hat on are a couple of things. Look at if this is no different than the railroad. Canals, any major technological innovation, will it become a bubble? Yes. Just not now. So, so let’s follow up on that, because a lot of people think, or are talking about the, do you know the.com bubble, uh, comparisons, and you’ve argued that that sort of misses the real story. So, so where are we getting it wrong right now? Are those people getting it wrong? In the nineties buck, you’d walk into a bar and there wouldn’t be ESPN on there’d be CNBC on people were getting their jobs to become day traders. Folks didn’t go to the go to university because they were basically getting their white papers financed. You had companies that were trading off of clicks. So I lived that. Anybody who is of a younger generation has no idea what a bubble is, and it’s specious and pedantic for them to use that term when they have no clue about what they’re talking about. But you did mention that it could become a bubble. How do we know when it does become a bubble? Oh, it’ll become a bubble. Well, when, when, when you know, the, what, what I am looking for is, you know, when we, when the good investment opportunities start to dry up, when liquidity starts to dry up. So what I, it’s not about valuation, to me it’s about liquidity. So in 2000, what, and I’m roughly speaking, what went down was you had all these companies that were trading at Strat catastrophic valuation, this stupid valuations, and you walked in one day and they didn’t get financing. And if you read the prospectus or you followed the company, you knew that they were not going to be free cash flow positive for another two or three rounds of financing. All of a sudden you walked in and everybody goes, oh my God, this thing, you know, trading at 250 times sales. And everybody went, yeah, of course. And so what it was is, was when does liquidity dry up? So I’ll give you a date, um, you know, with Trump’s big beautiful bill act. 100% tax deductibility of CapEx and that goes until Jan 1, 20 31. So to me, that’s a very motivating factor for people to, um, invest. The last thing I would say to you in more of a game theoretic context book is, look, if you are a big tech company and you don’t invest in ai. You are ensuring your death. Yahoo, Hela Packard. I can go through the list of companies that cease to invest, so they’re looking. If it was you and I when we were running this company, I would say, dude, we gotta invest because if we don’t have a poll position in this next platform, whatever it is, we’re done. We’re toast. And I think that’s why you’re seeing all these hyperscalers spending as much money as they are. ’cause they get this, they saw it. So, you know, you framed ai not necessarily as a a tech trade, but as a capital expenditure cycle. Can you explain that to people? Well, what we need to do is we need to build out the infrastructure of ai. Then, and that’s the phase that we’re in right now. So it’s more like we’re building out all of the railroads, the railway tracks and the railway stations across the United States back in the 18 hundreds. And then we’re gonna go through that building phase. And then as that building phase goes, some companies, some towns, are going to basically realize and recognize what’s happening and start to basically take ai. Bring it into their business model, into enhanced margins. Right. So right now we’re building it out. I mean, you know, we all focus on the hyperscalers, but the majority of companies, pardon me, governments. Individuals, they haven’t used AI and, and what is interesting about this is back in the nineties, they were talking about how the internet had to evolve to be much more. You know, uh, have critical thinking in, in, in it. And it was more explained when you went to these conferences, as you know, you know, think about this. You’re hearing this in 99, okay? Not today. You go in and you ask Google or dog pile at the same time, or excite, okay? You would say, I wanna go to Florida in the third week of March and I wanna stay here and I wanna spend this amount of money and I wanna rent a car. Plan it for me. And they would come back and they would tell you that it would come back and it would, it would, everything would be there. And you would have your over here and all you would have to do is drop your money and you had your thing planned. So none of this is as, it’s aspirational, but we’ve heard it before. And in technology, what happens is it’s not like it’s new. We’ve been talking to, I did machine learning in in graduate school. Ai, you know, I did neural networks and I’m a terrible Ian. This isn’t, you know, Claude Shannon wrote about this in 1937, right? But it’s about when does it hit, and so it was chat GBT. Can we argue, was that right? As an investor, it’s stop arguing, start investing. Then what you’ve gotta figure out, which is the question you ask, is when does the music stop? I think it goes until the end of the decade. You know, one of the things that, uh, is interesting about this, uh, AI investment, uh, it’s, it’s unfolding in a higher interest rate environment. Why is that detail so important? Understanding its significance? Well, it’s the cost of capital, right? And so this phase that we have right now. It’s funny you say that, right? ’cause our reference point is zero interest rates, right? Yeah, yeah. Right. That’s right. So, you know, you know, so, so think about this, what it happens right now. Now we’re in the phase where you’ve got these hyperscalers that instead of taking all their free cash flow and buying bonds and buying back stock, are increasing CapEx because there’s a great tax deduction on it. So you get a lot of, so we’re in this phase where, for where, where a lot of the money is, you know, was. Was, let me, let me be clear, was a hundred free cashflow. Now we’re getting these guys, these companies like Oracle and what have you, you know, starting to issue debt and look at debt isn’t bad as long as the rate of return on debt is higher than the interest rates. And so, you know, you know, I, I would say historically speaking, for a lot of these high quality names, the interest rates are not, uh, at levels that will stop them from investing. Right. Right. You know, you’ve written that, um, productivity is ultimately the real story behind ai. So why does productivity matter more than the technology headlines themselves? Well, let me just put it this way, right? So we’ve grown, I grew up, I, I joined, I’m up here in Toronto, right? So I’m gonna give it to you in Canadian dollars, right? So I joined, I joined here. You know, I grew up here, went to the states, came back home. Growing this company I joined when we’re about three and a half billion. We’re getting close to 50 billion, and we’re the fastest growing independent platform in the country. I’m a one man band, right? I use three ai. In the old days, I’d have four research assistants. Where’s the margin in that? And so I, that’s how I see it. And let me be clear, it’s, you know, this isn’t we’re, it’s not perfect. But if I wanted to say, instead of you, but hey, write me a 2000 word essay on the counterfactual of what happened with railroads up until 1894 when the, when the bubble popped, give me a f, you know, a a thousand word essay and, and just a general overview. I can get that in less than five minutes. Michael Sailor is writing product on ai, which, which, which you would take, which you would take. He’s in his presentation, say it would take a hundred lawyers. So it’s gonna be more about those. And it’s, it’s no different than Internet of things or, you know, it was, uh, Kasparov that talked about this. Gary Kasparov talking about the melding of, of technology in humans. He would ran, run this chess tournament called freestyle. You could use a computer, you could use, you know, grand Masters. You could use whatever you wanted to compete. And who won? Well, who won it Was that those teams that were generalists that had a little bit of that, the knowledge of the computer and the knowledge of the test. Uh, o of chess, right? That’s what’s gonna happen. So this isn’t we’re, as far as I’m concerned, we’re not, yes, there’s going to be some d some jobs that are going to be replaced, but that is always the case in technology. I’m not a Luddite, okay? I am not Luddite. But the same point in time. I, I would suggest to you that it, it is just a really, for me, it’s a, helps me. Do research no different than when I was an undergrad and they went from cue cards in the, the library at the university to actually having a dummy terminal and I could ask questions in queue. You know, it stalked me from having to go to the basement of the library and going to microfiche. Right. Have helping that way. Now can it, can, will it do other things? I’m sure it is, and I’ll lead that to Elon Musk and the crew. You know, that’s above my pay grade. But for me, I see it as a very helpful way of, you know, allowing me to process and delineate. Much more information a a and not have me waste so much time trying to figure out what got went on in the past or, you know, QMF. Right. You know, summarize me the talk five, you know, academic papers in this area, what are they saying? And then they gimme the papers. Right. It just speeds the process up. Yeah. You know, um, one of the things that I’ve been sort of talking about and thinking about. Is that it’s hard to not see AI as a very, very strong deflationary force. Um, how do you think about that? Yeah. Technology is deflationary, right? Doubt about it. And so I look at it this way, Ray. Um, so I work at the financial services industry, okay. You know, Mr. Diamond of JP Morgan is talking about how they are starting to embrace blockchain and ai. They are going to cut out the back end of that in the, the margins in that, in that company by the end of the cycle are going to be fantastic. People just do not get in. You know, the financial services industry is built on a platform. Of the 1960s, dude. I mean, they’re still running Fortran, cobalt. So you know what I, how I look at this is much more as a margin type story, and there’s going to be a lot of displacement. But at the same point in time, I look at Tesla and automation and ai. And you know, people look at Tesla as a car company. I look at Tesla as an advanced manufacturing company. Elon Musk could basically go into any industry and disrupt it if it wanted to. Right. So that’s how I look at it. And so, you know, the hard part is going to be, you know. Nothing. If we get back to where we were, it’s not going to be perfect, right? Because here’s, here’s where the counter is, here’s where the counter is. Right? If you, if, if you think about, and we’re, I’m gonna take Trump outta the equation and ent outta the equation right now, but if we just went back to the way things were before COVID, we would have strong deflationary forces. Okay. Just with demographics, just with excessive levels of debt. Just with, you know, pushing on a string in terms of, in terms we couldn’t get the growth up, you know, and, you know, and the overregulation of financial institutions. Trump and descent are basically applying what’s called supply side economics, and they’re deregulating. It’s says law, which is John Batiste, that says basically supply creates his own demand and it’s non-inflationary. But really what they’re going to try to do is they’re going to try to run the economy hot and they’re gonna try to pull this way out of the debt. And if you do that and you deregulate the banks. And allow the banks to get back to where they were before the financial crisis. Okay. You know, and, and the Fed takes its interest rates down to neutral, expands the balance sheet. Then I don’t think we’re gonna go back to the zero bound in deflation. I think this thing’s gonna run hot for a long time. And I think it, the real question is, is, is is 2 75 in the United States the neutral rate? I think it is. Uh, but as, as, as Scott be says, and, and, and, and, and let’s be clear, buck, the guy’s a superstar. Okay. Guy is a legend. Just you sit there, just shut up and listen to him. Okay. They keep up, right? Well, so they’re gonna run it hot, but where we are is, in his words, mine, not mine. We’re still in this detox period, you know what I mean? We still got the Biden era. We still got, you know, a over a decade of excessive ca of Central Bank intermediation. That needs to get, you know, go away. So what I say, and what I’ve been writing about is 26 is going to be the year that the baton is passed back to the private sector. Let’s get rates down to 2 75. That’s, I mean, I’m going off the New York Fed model. That says real fed funds, the real, the real neutral rate is 75 to 78 basis points. I think inflation’s at two. That that gets you 2 75. Get the rates there and then get the balance sheet of the Fed to the level so that overnight lending isn’t loose or tight. It’s just normal. And then step back, go away and let Wall Street and the private sector create credit. Create economic growth and let’s get back to the business cycle. And if we do that, we’re gonna have non-inflationary growth. It’s gonna be strong, but we’re not going back to the zero bound and we’re gonna grow our way out of this. And so that’s where I get really excited about. This is a very unique time in history. A very, very, very unique time in history where, and I don’t know how long it’s going to last because of the compression that we have now because of the, you know, we live in such a digital world, but let’s say it’s five years demographic says it’s to 33, 32 to 33. That’s, you know, that’s how long this run is. And, and to me, uh, AI is a massive play. I, I, to me, blockchain is a massive play and to me it’s to those countries and companies that get it is, whereas investors, we wanna think, start thinking about investing. Yeah. You mentioned, um, non non-inflationary growth. Can you drill down on that a little bit just so people understand a little bit where. Usually you think of an economy running super hot, you, you think automatically there’s an, you know, an inflationary growth. So I want you to think in your mind into your list as think in your mind. Go back to economics 1 0 1 with the demand curve. In the supply curve, okay? And there are an equilibrium. And at that equilibrium we have a price at an equilibrium, and we have an output as an equilibrium. Okay? Now what I want you to do is I want you to keep the demand curves stagnant or, or, or anchored. Then I want you to shift the supply curve out. Prices go down, output goes out. We can talk all this esoteric stuff, you know, you know Ronald Reagan and, and Robert Mandel and supply side economics. But it’s really your shift in the supply curve out, and that’s what, and that’s what BeIN’s doing. I mean, this is a w would just sit down and be quiet. He’s talking about, you know, what is deregulation? He’s pushing the supply provider. Oh, hold on. My phone. My, my thing. And what did, since the two thousands, what did, what was the policy? It was kingian, it was all focused on the demand curve. Everything was focused on demand. And so all we’re doing is we’re, we’re getting the keynesians out. I use 2000 ’cause that’s when Ben Bernanke really came in and was very influential. Let me just say he’s a very smart, I learned so much from reading. Smart, smart, smart, smart guy. But his whole thing was Kasan. He came from MIT, his thesis supervisor was Stanley Fisher, right? We’re going back to, you know, Mario Dragons thesis supervisors, Stanley Fisher, all these guys came from MIT, Larry, M-I-T-M-I-T, Yale, and Princeton. Whereas previously it was the University of Chicago. It was Milton Friedman. It was, it was supply side economics. We’re going back, they’re going back to supply side economics and right now we need it. We need balance. But my god, what did we end off with? We ended off with four years of mono modern monetary theory. Deficits matter. That’s insanity. You had mentioned a little bit, uh, you, you’ve talked about blockchain a few times here. Talk about the significance. I mean, it’s sort of, you know, blockchain was a thing that everybody was, everybody was talking about it, you know, three, four years ago, but now it’s all about ai. But you know, now you’ve got, um, but in, but in the background, blockchain has grown, uh, adoption has grown. Uh, tell us what’s going on there, and if you could tie it into the significance of, of where we’re at today. Yeah. Um, uh, Jeff Bezos gave a wonderful speech, I think in two thou, early two thousands, where he basically talked about the fact that, you know, once this innovation is led out of the genie’s, led out of the bottle, whether or not, you know, buck and Jim, like it as an investment, the innovation continues. And so after the internet bubble pop, right? Really smart guys like Jeff Bezos, uh, Zuckerberg, you, you, the whole cast of characters, right? Basically built it out. Okay. And it wasn’t perfect and everybody knew it wasn’t perfect. I mean, that was the whole thing that was so bizarre. But they knew it wasn’t perfect and they knew that they needed to solve some problems. Right. And you know, it was a double spend problem. I mean, the internet that we were dealing with right now was developed in the 1950s and so on and so forth. And so, you know, that always stuck with me. Right. A couple of things stuck with me because I’ve lived through a couple of these cycles. The first one is Buck. When the, when Wall Street coalesces around something just shut up and buy it, right? I mean, I, I spent too much of my life arguing about whether dog pile and Ask Gees was better than Google. Wall Street said Google was the best. Shut up. Invest, right? And so, so look, blockchain solved the double spend problem. Blockchain solved all the problems that the original iteration of the internet could solve, and everybody knew it was coming along okay. So it’s a decentral, it’s decentralized, right? Uh, does, does not need to be reconciled. So no. Not only do you have another iteration of the internet. You have basically introduced into society the biggest innovation in accounting or recordkeeping since double entry. Bookkeeping accounting was introduced in Florence, Italy centuries ago by the Medicis and, and buck. All this is out there like, so this is a profound, right? So think about you’re in an accounting department and you don’t have to reconcile, right? So look. The first use cakes was Bitcoin. And what was the, what was the beautiful thing about it? Well, first off, it grew up by itself. And secondly, it’s got perfect scarcity, right? And so let’s just full stop. And I mean, yes, gold and silver had the run that they should have had decades. So I had been waiting and listening to people, gold bugs, talking about this type of run since the nineties. Okay. Um, but look, you know, and the problem with fi money, right? I mean, this is, this goes back decades. It’s an old argument. The way you solve it is, is Bitcoin. That’s the solution. I mean, forget about it. I mean, if they’re gonna whip it around and do all this stuff, fine. But the other thing that people miss and Sailor hasn’t, and Sailor is brilliant, is look. Bitcoin is pristine collateral in 2008, in September. What caused the, the system to stop was the counter. We could not identify counterparty risk for near cash. It was a settlement problem. Anybody you talk to Buck that says it was, you know, the subprime this and it, yeah, that was crap. I get that. But when the system shut down is you had a $750 million near cash instrument with X, Y, Z, wall Street firm, and you did this for three extra beeps and it was no longer cash. Guess. And guess what? Your institutional money market fund broke the buck. That’s when the system blew sky high. When the money market broke the buck and it was a settlement problem, blockchain and Bitcoin solved that. Sailor knows that, look where Wall Street’s gonna go. They understand now that. Bitcoin is pristine, collateral and capital that is 100% transparent. Let’s lend against it, and that’s what Sadler’s doing. That’s why Wall Street hates the guy so much, right? Think about that. Think of where is he going after he’s going after all the stranded capital on Wall Street. And, and the whole point is he’s sitting there going, I’m too busy for this. And you’ve got all these other people that are gonna live off of other people’s ignorance. Meanwhile, Jing Diamond knows exactly what he’s talking about. We can identify, if I hear one more person on me in, in the meeting say, I don’t know. You know, you know, uh, micro strategies balance sheet is so complicated. Really. Compared to JP Morgans, I mean, you know what his capital is. It says Bitcoin, like, what are you guys talking about? But hey, fucking in this business, people make generational wealth on ignorance of people who think they know what they don’t know. So, you know, just going back to Jamie Diamond, you know, he spent, I don’t know how long. Throwing every insult, uh, he could towards Bitcoin. And now they’ve really kind of, they haven’t backtracked. I think he’s, he’s, you know, his, his, um, I think the way he phrases is the blockchain’s a real thing. He never seems to really say the word Bitcoin, uh, in this regard. Um, banks in general, where do you think they’re headed with this stuff? I mean, I, you know, right now, again, you can kind of see even. Um, I think, you know, some of the big advisory firms suddenly recommending one to, you know, one to 4% of people’s portfolios in Bitcoin. I mean, this is all, I mean, gosh, I, I’ve, you know, been talking about Bitcoin since 2017. This is in unbelievable transformation in less than a decade. Where do you see this going in the next five to 10 years? It’s called the, it’s called, what is it? It’s called, I’m gonna call it the Evolution of Jim. Me, you know, in my business and, and, and, and you know, the thing I have book is I’ve survived and I’ve gone through a lot of cycles. I’ve done a lot, you know, and you ask yourself, you scratch your head a lot and you’re, and you, but you’re continually doing objective research and you’re this, if you, this is why I love this game so much. Right? So let’s just go stop for a second. Let’s get some context. Right. My first summer job, one of my first summer jobs, I worked in the basement of a bank in the in, in downtown Toronto, right up the street from the Toronto Stock Exchange. And my job was to let guys in with beak, briefcases into the cage, into the big vault, to basically bring in certificates. Okay. And, and what? Stock certificates. And so remember, you know, and I remember my grandfather when we, when he died, look at, we couldn’t sell the house because he didn’t believe in the banks. And we were finding certificates all over the house in the walls. Okay? Right. So in the 1960s it was bare based. The whole industry was bare based. And there was the volume in Wall Street started to pick up to the point where they couldn’t handle the volume. There was a paper crisis where almost a third of the companies went down bankrupt because of the cage. The cage. Okay. So basically what happened was, to make a long story short, they came out with, they came, Hey, why don’t we get two computers At one point in time, they said, okay, crisis. Let’s solve it. Well, why don’t we get these two computers and we can solve, or we can sell trades among, amongst each other. Okay. And then we don’t need to have guys riding around Wall Street with bicycles and big briefcases. Okay. And then what we did was, what we did was we sat there and said, well, why don’t we have a centralized clearing, and we’re gonna call it DTC or CDS, depending on what country you’re in. And what we’re gonna do is we’re gonna offer paper, we’re gonna, we’re gonna issue paper rights to the underlying stock that was developed in the early 1970s. That’s the system that we’re on right now. There are a lot of faults with that. Let me give you, when you’ve talked about the GameStop a MC situation, when you have a company that’s basically have more shares outstanding short, sorry, more shares short than outstanding, that shows you that the old system doesn’t work. It’s called ation. The paper writes to the underlying assets, it, it doesn’t match up. There have been guys that make a career outta this and write books about this, right? Dole Pineapple. They had a corporate, a corporate event, right? Hostile takeover. 64,000 for 64 million shares, voted, I think, and there was only 3,200 on. We all know this, so this has to be solved. The way you solve it is you tokenize assets, and this was talked about a decade ago, and they know about it and true tofor, they, and if you’re thinking about it, it’s totally logical, right? But if we allow this innovation to go full stream ahead, we’re wiped out, right? So what did they do? They delayed. They delayed. And as you know, you could talk about, it’s called Operation choke 0.2 0.0. Right. You know, the Fed overreached their bounds, they de banked people. I mean, this is why, why Best it’s going after them. They, yet they stepped over their constitutional mandate. Right. The federal, the Fed Act is not, uh, does not supersede the US Constitution. Elizabeth warned the whole thing. They did it. Okay, so let’s not complain about it. So now Atkins is gonna, we’re gonna have the Clarity Act come out and they’re gonna basically deregulate New York Stock Exchange already there. They’re gonna put everything on the blockchain and when you put everything on the blockchain, trade a settlement. There’s no hypo. Immediate settlement. Immediate, which is a benefit if you can get your act together because it, you know, for Wall Street firms you need less capital, right? So it’s a natural evolutionary process. And then you sit there and go back in history, if you and I were writing it, we’d sit there and go, well, should we be surprised that the incumbents right, the status quo pushed back on innovation? No, there was a guy, there was a prophet, um. At, at Harvard, his name was Clay Christensen, and he wrote this wonderful book called The Innovator’s Dilemma. You know, why does, why don’t companies evolve, or why do they go bankrupt? It’s because they cease to evolve and the status quo doesn’t allow the evolution of the companies to take place. Right? Well, that’s what happened in RA. We’re gonna complain about it. No, it, it is what it is. It’s water under the bridge. And so what I think is happening is, you know, Mr. Diamond is basically saying. He’s pragmatic, he’s a realist. And now he’s saying, we gotta evolve. And hey, by the way, now I’ve gotten to the point where I think I can make a tunnel. Think about that. Yeah. Think about his own stable coins, right? So his own stable coins. And, uh, well think about this. If you trade like internal meetings, right? And I’m hyped this hypothetical, right? I go, fuck, don’t screw this up this time. And you’re gonna go, Jim, what are you talking about? I go. We want a nice bread between bid and ask in these financial price. We don’t wanna go down to pennies. Okay? Can we go back to the old days when we were, you know, trading in quarters and sixteenths and so we can make some skin in the game? I think you’ve got the deregulation of the banking industry where the banks are gonna, they’re fit. It’s gonna be baby steps. But what’s gonna happen is they’re gonna basically say, stop taking all that capital that’s sitting at the Fed, making four or fed funds rate overnights wherever it’s four half, 3 75 right now. And you can now trade it. Go back to prop trading, which is what they did. And they’re gonna start off, they will start off with, its only treasuries. Eventually they’ll be able to expand throughout our lifetime. So the old way you gotta look at it is, you know. We’re bringing the ba, you know, we’re putting the band back together, man. Right. And the banks are gonna deregulate, they’re gonna deregulate the banks, they’re going to innovate, they’re gonna be able to use the capital, their earnings profile going out into the end of the decade. It’s, it’s gonna be monstrous, it’s gonna be, you know, it, it’s, it’s, and, and that’s how I get, you know, when people say, where do you think the s and p goes? You know, I say, you know, 14,000, you know, double from here by the end of the decade. And he goes, well, what about ai? I go, well, they’re gonna, that’s important, but it’s the banks. I think the banks are gonna have a renaissance. Yeah. Yeah. Um, one thing just to get your thoughts on, so when you look at the banks, you talked about sort of the inevitability of tokenization. Um, the stock exchange, uh, we talked about stable coins. I mean, another great way for banks to make money. Uh, essentially where does that, how, how does that help or hurt Bitcoin adoption? Because Bitcoin is a sort of a separate, separate, you’re not, you’re not building on Bitcoin as much as you are, say, Ethereum, Mar Solana or, you know, some of the, some of the blockchain things. So, so is it just that. Is it just a, an adoption issue? Because you live in a, in a different world. You live in a world of blockchain and Bitcoin is, its currency. It’s weird, right? Because I, I’m writing this feed like, so Buck, where are you right now? Where, where, where are you located? I’m in Santa Barbara. You’re in California. So, yeah, so I’m in Toronto, right? Uh, you know, I lived in, worked in the States for, you know, a decade, a couple of decades, and I’m back home and it’s like, man, they don’t get it. Right, and, and, and, and what am I talking about? Well, well, this, this is the, the thing that you’ve gotta understand is this, right. Ethereum was invented by Vladi Butrin in this town, Joe Alozo, who’s the head of one of the largest Ethereum groups. Father is a dentist at Bathurst and Spadina. We’re up here and people are saying, oh, you know, president Trump don’t talk about being a 51st state. We act like a colony, duke. We are a, you know, we forget about calling us one. We are. So, look, it, look, there is no doubt in my mind that Ethereum is going to have a place and, and we’re going to use it. Seems like we’re going to use Ethereum and that’s the smart contract, you know? Um. And that’s fine. Um, you know, but going back in time. But, but remember, there’s not per, there’s not perfect scarcity there. So I like Ethereum, don’t get me wrong, but I look at Bitcoin and I look at the, I look at the scarcity, and I also look at the fact of, you know, what sa, what Sailor, if you sailor did a presentation in the middle of next year and all hell broke loose. What he did, and it’s, you know, and of course I’m hypothesizing. He basically went to New York and said, I am going to create fixed income products and I am going to give yields. On those products, and I’m coming after the stranded capital that sits on Wall Street that you guys have been ripping on for years. In the middle of last year, staler went public and declared war. Okay. Are we surprised that Jim Shane Oaks came out and everybody came out basically guns a blazing. Are we surprised? But what he, what Sailor did and put and slammed on the table is it’s pristine capital, it’s transparent capital. And what are you willing to pay for that? And now you GARP banks trading at. We have no idea what their capital structure really is. Honestly, we have an idea, but it’s very opaque, right? You know, the high quality names are trading at two, two to, you know, two times tangible book. You’ve got fintech’s companies trading at four to five times, right book, and you know, what’s Sailor doing right now? Diluting his stock so he can buy as much Bitcoin as he wants because he sees the next game. He says the hell with what you guys think the next game is going to be. Wall Street’s going to realize that Bitcoin is pristine capital and there’s only 21 million of it. What do you and, and what just happened today? What did Morgan Stanley just file a treasury company. So everything you and I are talking about, they know they’re smart guys, right? They’re real, they’re not. That’s, this is the whole point. They’re really, really, really smart. Okay. They see they’ve gone through the history. They know. Okay, so you’re sitting there, you get around the room, you say, so wait a minute. Wait. Whoa, sailor’s over here. And he’s basically saying he’s gonna give you a a pref that’s basically backed by Bitcoin charging 10%. And he’s going after our corporate clients. I mean, and what’s the pitch Buck? You’ve got a hundred million dollars. Okay, you got a hundred million dollars in the kitty. Okay, buck. What happens is you need $10 million a year for working capital, which is in cash, which means you’ve got $90 million sitting there idle. Hey, buck, I can give you 10% on that. You go to Jamie, he’s giving you two. What are you gonna do? Yeah. I think one of the issues right now is I the, the perceived risk profile of that. Right. Uh, you know. I tend to agree with you about the, uh, pristine nature of Bitcoin s collateral, but just in general, the perception. I don’t know that, that that’s. That’s the case. Well, you gotta go back to the fact that, do you think Bitcoin’s going to zero or not? No, of course not. Yeah. ‘ cause the Bitcoin doesn’t go to zero. There’s no, then, then that are, there’s Bitcoin could go to zero. There’s no, I mean, I don’t think, I mean, non-zero probability, of course, right? I don’t think it is. And if that has been, if it has been selected and now you have Wall Street coalescing it, I haven’t even mentioned the president of the United States or his family. Right. Uh, or the Commerce Secretary and his family, right? Or if you go to New York, wall Street, right, they’re all talking about it, right? So, I, I, you know, to me, I, I, the question about micro strategy, to me it’s not. That it’s a treasury company and it’s got a pile of Bitcoin. What does he do with it? Does he become a bank? Like why does it, this is me. I’m pitching him. Right. Hey, Mike, why don’t you just become a FinTech, say you’re like a FinTech company and you’ll get, and you, you’re gonna instantaneously trade it five to six times book. Why don’t you, why are you, you’re talking like you’re attacking them, but you’re still, you’re still a software company with a, with a big whack of Bitcoin that you are writing pres. Right? So, and, and so that’s, that’s how I look at it. I think the wave is too big. We are going to digitize. And the other thing that we didn’t really touch on with respect to AI and blockchain, and I’m gonna paraphrase the president. Right. Um, Mr. Trump is, look, um, it’s a matter of national security, duke, and when I hear that, I go back to the nineties in the eighties when I was in late eighties when I was an undergrad. Right. And it wasn’t China, it was Japan. And, and you know, what happened was, you know, it, it’s funny, Al Gore did deregulate so that. The internet could become for-profit. We all stood around and said, you know what the hell could, how do we make money on this? That’s, you know, what do we do? And then what did we do? We, we, we threw a ton of money at it and the United States controlled it. And what did we get out of it? We got out, we got, you know, all those companies. Right. The last thing I would say to you, and this is much more of a personal story, is I, when I was younger, I was in New York and it was 2000 and I was at the Grand Hyatt, and it was a tech, it was a tech conference and, uh, Larry Ellison Oracle was there and he gave a, he gave a, he gave a a, a fireside chat. Then, um, we go to a breakout room and, you know, in a break, I don’t know about if you’ve been to one, but you go to a breakout room, it’s a smaller room at the hotel, and you know, sometimes you got 25 people, sometimes you got 50 people, right. And, you know, I went to the, I went to the breakout with Mr. Allison ’cause of Oracle and I went in there and it was absolutely jammed and I was sweating and he just looked at us and he just ripped us. He AP Soly, just, I still have the scars today. I’m talking to you about it. Okay. He called it a bubble. He called it a bubble. He, he was early in calling it a bubble. I never forgot that. And then you sit there and see what he’s doing right now. Where he’s levering up the balance sheet. Now, to me, having survived in this game for such a long period of time, and I call it a game, it’s a game of strategy, whatever, you know, how does that not, you know, I would say to you, we were, your office was next to mine. Fuck. I remember New York, he’s loading the goose loaded in. He go in, he’s borrowing money from his grandmother. He’s, you know, what is going on. And he’s really stinking smart. You know, he’s, he, Larry Allenson just doesn’t do, and people, oh, he’s in, you know, he’s, no, he’s not, he’s, he’s like the mentor of all of these guys. You know what I mean? So there’s a, to me, there’s a discontinuity that these need to believe that we’re still early on because you know, what, if Larry’s, what do we take when Larry or Mr. Ellison is leveraging up to me, it’s profound because I’m anchoring off of my bias to the New York, the New York high at, at the Tech Co. I think it was, I think it was at Bear Stearn. I couldn’t remember Bear Stearns or Lehman. But you know, one of those I carry that experience on with the rest of my life. I do. It’s like, what is Larry thinking? Right? So he’s leveraging up buck. That’s all I know. He’s a priest or guy. Well, that’s probably a good place for us to stop, Jim, uh, chief, uh, market strategist at Wellington Elta Private Wealth. Thank you so much for joining me. Thanks so much and be safe. You make a lot of money but are still worried about retirement. Maybe you didn’t start earning until your thirties. Now you’re trying to catch up. Meanwhile, you’ve got a mortgage, a private school to pay for, and you feel like you’re getting further and further behind. Now, good news, if you need to catch up on retirement, check out a program put out by some of the oldest and most prestigious life insurance companies in the world. It’s called Wealth Accelerator, and it can help you amplify your returns quickly, protect your money from creditors, and provide financial protection to your family if something happens. The concepts here are used by some of the wealthiest families in the world, and there’s no reason why they can’t be used by you. Check it out for yourself by going to wealth formula banking.com. Welcome back to the show everyone. Hope you enjoyed it. Uh, and, uh, as I said before, do not ignore ai. This is something that you need to start using. Have your kids start using it. Uh, make sure that they, you know. They use it every day because this whole world is turning AI and it’s gonna happen. You know, it’s gonna happen in, in a blink of an, uh, blink of an eye. And the world is gonna change and there are gonna be real winners out there. And the winners are gonna be people who knew where there was, was going and kind of used it in their mind’s eye as they looked on navigating how. You know how to allocate their money. Anyway, that is it for me. This week on Wealth Formula Podcast. This is Buck JJoffrey signing off. If you wanna learn more, you can now get free access to our in-depth personal finance course featuring industry leaders like Tom Wheel Wright and Ken McElroy. Visit wealth formula roadmap.com.

In this episode, we dive deep into OSHA, safety culture, and what it really takes to build a safer tree care company. Chris Phelps, owner of Paramount Tree Services in Williamsburg, Virginia, and Bob Lehman of Academy Trained break down Paramount's “Year of Safety,” the role of TCIA, and why cutting corners isn't worth the risk. From OSHA 10 & 30 training to job site analyses, tailgate meetings, aerial rescue, and fire mitigation planning, this conversation covers how certifications, JHAs, and documented safety programs create accountability and protect both crews and companies. A must-listen for anyone serious about arboriculture, compliance, and long-term success in the outdoor industry.

After causing the 2008 financial crisis through reckless deregulation, Larry Summers got hired by Barack Obama to fix the disaster he helped create. Then in November 2025, emails revealed he'd been using Jeffrey Epstein as his wingman.Welcome to part two. Last episode covered his arrogant rise. Now we cover his spectacular fall.The 2008 Financial CrisisSummers made $5 million at D.E. Shaw in 2008 whilst the economy collapsed. He earned $20 million speaking to banks he'd deregulated.Then his policies came home to roost. Derivatives crashed. Lehman collapsed.Who did Obama call? Larry Summers.Christina Romer calculated the economy needed $1.8 trillion in stimulus. Summers capped it at $890 billion. The final stimulus was $787 billion. Too small.Banks got bailed out. Homeowners got foreclosed.The Epstein ScandalAfter Obama, Summers returned to Harvard. Joined OpenAI in 2023. He'd survived everything.Then came November 2025. The House Oversight Committee released Epstein's estate documents. Among them: emails between Epstein and Summers from 2017-2019.Summers was asking Epstein for dating advice about pursuing a younger woman economist, his "mentee." Code name: "peril." Epstein workshopped his messages over seven months.Epstein wrote: "im a pretty good wing man, no?"Summers asked whether to thank her or apologise for being married. To Harvard professor Elisa New. Who had also emailed Epstein, thanking him for funding her poetry project.The fallout was immediate. Summers resigned from OpenAI, Bloomberg, The New York Times, and multiple think tanks. On 3rd December 2025, the American Economic Association imposed a lifetime ban.Summers called it "a major error in judgement."What We LearnBrilliance doesn't mean being right. Summers was wrong about derivatives, Glass-Steagall, Russia, the stimulus, and Epstein."Failing upwards" works until it doesn't. For 50 years, every disaster led to a bigger job. Until one scandal proved too toxic.Stiglitz warned everyone about everything in the 1990s. He was right and kept from power. Summers was wrong and kept getting promoted.The system enabled Summers for decades: valuing confidence over wisdom, connections over competence. His deregulation helped cause the 2008 financial crisis, his Russia policies created oligarchs, he was implicated in numerous scandals during his tenure in Harvard. He got away with failure for decades...until he used Jeffrey Epstein as his dating coach.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.patreon.com/HistorysGreatestIdiots⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/historysgreatestidiots⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://buymeacoffee.com/historysgreatestidiots⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Artist: Sarah Chey⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.fiverr.com/sarahchey⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

In our last preview episode of the 2025 College Football Season, Galen Clavio and Taylor Lehman do a 12-round evaluation of Indiana football's Championship Game match-up with the Miami Hurricanes. We discuss the statistical breakdown of the two teams, where the Hoosiers' strengths lie, and where Miami will attempt to disrupt Indiana on both offense and defense. We discuss various scenarios, go down some statistical rabbit holes, and try to give as full a picture as we can of the most momentous game in Indiana football history.

Artificial intelligence is transforming every corner of real estate—from how we analyze deals to how we manage tenants, leads, and operations. But most investors still don't know where to start. In this episode, Brian Hamrick talks with Clay Lehman, a longtime investor, property-management expert, and AI educator who helps entrepreneurs and agents use today's tools to save time, make better decisions, and grow their business. You'll learn: The fundamentals vs. hype of AI in real estate investing How to use Google Gemini, Notebook LM, and Claude for research, analysis, and automation Ways to map your ideal client using AI and psychographic data How to build AI-driven processes that improve communication, marketing, and customer service What's coming next: agentic AI tools like Manus and Comet that can complete multi-step tasks for you Clay also shares real-world use cases—how he runs a title company with AI assistance, automates team training, and even experiments with voice and text AI agents to follow up with leads. Whether you're an investor, property manager, or agent, this episode will show you practical ways to start integrating AI today and stay ahead of the curve in 2026. Find out more: www.imclaylehman.com www.facebook.com/claylehman www.facebook.com/unstuckai Today's episode is brought to you by Green Property Management, managing everything from single family homes to apartment complexes in the West Michigan area. https://www.livegreenlocal.com And RCB & Associates, helping Michigan-based real estate investors and small business owners navigate the complex world of health insurance and medicare benefits. https://www.rcbassociatesllc.com

Send us a textWe started our careers at the epicenter of the Global Financial Crisis in 2008: the trading floor Lehman Brothers and the CDO Structuring desk at Morgan Stanley. And now, we get to watch our favorite characters reenacting all the drama of the Lehman bankruptcy through the lens of Industry.  We dissect the chaotic "war room" dynamics as executive leadership scrambles for a lifeline, debating the merits of a strategic capital injection from Mitsubishi (mirroring the real-life rescue of Morgan Stanley) versus a total buyout by Barclays (the ultimate fate of Lehman). We explain the critical financial concepts at play, including the mechanics of "good bank/bad bank" splits, dispelling common myths about how government "bailouts" actually worked, and the reality of liquidity crises where "too big to fail" meets "moral hazard."All of our characters' ambitions and come to a head as they jockey for power and profit with everything on the line. Who will emerge victorious from the boardroom coup? How did a financial error end up in the pitch deck? Who is stabbing whom in the back? And who will ultimately be our useful idiot?This is an exceptionally technical recap, and we explain topics like counterparty credit risk, employee stock options, insider trading, and converts...as well as a detailed blow by blow of the real events underlying one of Industry's all time best episodes!!!Shop our Self Paced Courses: Investment Banking & Private Equity Fundamentals HEREFixed Income Sales & Trading HERE Wealthfront.com/wss. This is a paid endorsement for Wealthfront. May not reflect others' experiences. Similar outcomes not guaranteed. Wealthfront Brokerage is not a bank. Rate subject to change. Promo terms apply. If eligible for the boosted rate of 4.15% offered in connection with this promo, the boosted rate is also subject to change if base rate decreases during the 3 month promo period.The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of 11/7/25, is representative, requires no minimum, and may change at any time. The APY reflects the weighted average of deposit balances at participating Program Banks, which are not allocated equally. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Sources HERE.

Des Moines native, Calen Lehman, and his buddy Casey Miller, were on a motorcycle trip across Mexico to Baja when a terrible accident happened with another vehicle head on. It's taken them 3 days to get a medical flight back to the US and now the long journey begins...healing.

Does water on a hen make it more susceptible to predation? In this episode, we comb through the literature on olfactory camouflage, dissecting studies assessing correlations between nest survival, weather, and environmental conditions, and divulging into the complicated web of ecology dynamics. Strap on your science boots for this one, it's gonna be dense… Research papers referenced: Bakner, N. W., et al.  (2019). Incubation recess behaviors influence nest survival of Wild Turkeys. Ecology and Evolution, 9(24), 14053-14065. Boone, W. W., et al. (2024). Robust assessment of associations between weather and eastern wild turkey nest success. The Journal of Wildlife Management, 88(2), e22524. Braun, M. S., et al. (2018). Birds, feather-degrading bacteria and preen glands: the antimicrobial activity of preen gland secretions from turkeys (Meleagris gallopavo) is amplified by keratinase. FEMS microbiology ecology, 94(9), fiy117. Conover, M. R. (2007). Predator-prey dynamics: the role of olfaction. CRC Press. Fluen, T. (2008). A comparative analysis of evolutionary changes in island birds. MSc Thesis, University of Canterbury, Christchurch. Grieves, L. A., et al. (2020). Food stress, but not experimental exposure to mercury, affects songbird preen oil composition. Ecotoxicology, 29, 275-285. Grieves, L. A., et al. (2022). Olfactory camouflage and communication in birds. Biological Reviews, 97(3), 1193-1209. Lehman, C. P., et al. (2010). Ground roost resource selection for Merriam's wild turkeys. The Journal of Wildlife Management, 74(2), 295-299. Lowrey, D. K., et al. (2001). Influences of selected weather variables on predation of wild turkey females and nest success. In Proceedings of the National Wild Turkey Symposium (Vol. 8, pp. 173-178). Potier, S., et al. (2018). Preen oil chemical composition encodes individuality, seasonal variation and kinship in black kites Milvus migrans. Journal of Avian Biology, 49(7), e01728. Reneerkens, J., et al. (2002). Sandpipers (Scolopacidae) switch from monoester to diester preen waxes during courtship and incubation, but why?. Proceedings of the Royal Society of London. Series B: Biological Sciences, 269(1505), 2135-2139. Reneerkens, J., et al. (2005). Switch to diester preen waxes may reduce avian nest predation by mammalian predators using olfactory cues. Journal of Experimental Biology, 208(22), 4199-4202. Reneerkens, J., et al. (2006). Discerning adaptive value of seasonal variation in preen waxes: comparative and experimental approaches. Acta Zoologica Sinica, 52, 272-275. Reneerkens, J., et al. (2007a). Parental role division predicts avian preen wax cycles. Ibis, 149(4), 721-729. Tuttle, E. M.,et al. (2014). Variation in preen oil composition pertaining to season,sex, and genotype in the polymorphic white-throated sparrow.Journal of ChemicalEcology40, 1025–1038. Whelan, R. J., et al. (2010). Short-chain carboxylic acids from gray catbird (Dumetella carolinensis) uropygial secretions vary with testosterone levels and photoperiod. Comparative Biochemistry and Physiology Part B: Biochemistry and Molecular Biology, 156(3), 183-188. Webb, S. L., et al. (2012). Landscape features and weather influence nest survival of a ground-nesting bird of conservation concern, the greater sage-grouse, in human-altered environments. Ecological Processes, 1, 1-15. Episodes referenced: Effectiveness of trapping across game bird species | #08 Which vital rates are most important to turkey populations? | #13 Brooding and nesting cover (Part 1/2) | #29 Brooding and nesting cover (Part 2/2) | #30   Our lab is primarily funded by donations. If you would like to help support our work, please donate here: http://UFgive.to/UFGameLab   Coming Soon: Wild Turkey Manager: Biology, History, & Heritage! Our newest online wild turkey training is launching soon! Be the first to know when our new course launches by signing up here!   Be sure to check out our comprehensive online wild turkey course featuring experts across multiple institutions that specialize in habitat management and population management for wild turkeys. Earn up to 20.5 CFE hours! Enroll Now!    Dr. Marcus Lashley @DrDisturbance, Publications Dr. Will Gulsby @dr_will_gulsby, Publications Turkeys for Tomorrow @turkeysfortomorrow  UF Game Lab @ufgamelab, YouTube   Want to help wild turkey conservation? Please take our quick survey to take part in our research!   Do you have a topic you'd like us to cover? Leave us a review or send us an email at wildturkeyscience@gmail.com!   Watch these podcasts on YouTube   Please help us by taking our (quick) listener survey - Thank you!    Check out the DrDisturbance YouTube channel! DrDisturbance YouTube   Want to help support the podcast? Our friends at Grounded Brand have an option to donate directly to Wild Turkey Science at checkout. Thank you in advance for your support!   Leave a podcast rating for a chance to win free gear!   This podcast is made possible by Turkeys for Tomorrow, a grassroots organization dedicated to the wild turkey. To learn more about TFT, go to turkeysfortomorrow.org.    Music by Artlist.io Produced & edited by Charlotte Nowak

Does water on a hen make it more susceptible to predation? In this episode, we comb through the literature on olfactory camouflage, dissecting studies assessing correlations between nest survival, weather, and environmental conditions, and divulging into the complicated web of ecology dynamics. Strap on your science boots for this one, it's gonna be dense… Research papers referenced: Bakner, N. W., et al.  (2019). Incubation recess behaviors influence nest survival of Wild Turkeys. Ecology and Evolution, 9(24), 14053-14065. Boone, W. W., et al. (2024). Robust assessment of associations between weather and eastern wild turkey nest success. The Journal of Wildlife Management, 88(2), e22524. Braun, M. S., et al. (2018). Birds, feather-degrading bacteria and preen glands: the antimicrobial activity of preen gland secretions from turkeys (Meleagris gallopavo) is amplified by keratinase. FEMS microbiology ecology, 94(9), fiy117. Conover, M. R. (2007). Predator-prey dynamics: the role of olfaction. CRC Press. Fluen, T. (2008). A comparative analysis of evolutionary changes in island birds. MSc Thesis, University of Canterbury, Christchurch. Grieves, L. A., et al. (2020). Food stress, but not experimental exposure to mercury, affects songbird preen oil composition. Ecotoxicology, 29, 275-285. Grieves, L. A., et al. (2022). Olfactory camouflage and communication in birds. Biological Reviews, 97(3), 1193-1209. Lehman, C. P., et al. (2010). Ground roost resource selection for Merriam's wild turkeys. The Journal of Wildlife Management, 74(2), 295-299. Lowrey, D. K., et al. (2001). Influences of selected weather variables on predation of wild turkey females and nest success. In Proceedings of the National Wild Turkey Symposium (Vol. 8, pp. 173-178). Potier, S., et al. (2018). Preen oil chemical composition encodes individuality, seasonal variation and kinship in black kites Milvus migrans. Journal of Avian Biology, 49(7), e01728. Reneerkens, J., et al. (2002). Sandpipers (Scolopacidae) switch from monoester to diester preen waxes during courtship and incubation, but why?. Proceedings of the Royal Society of London. Series B: Biological Sciences, 269(1505), 2135-2139. Reneerkens, J., et al. (2005). Switch to diester preen waxes may reduce avian nest predation by mammalian predators using olfactory cues. Journal of Experimental Biology, 208(22), 4199-4202. Reneerkens, J., et al. (2006). Discerning adaptive value of seasonal variation in preen waxes: comparative and experimental approaches. Acta Zoologica Sinica, 52, 272-275. Reneerkens, J., et al. (2007a). Parental role division predicts avian preen wax cycles. Ibis, 149(4), 721-729. Tuttle, E. M.,et al. (2014). Variation in preen oil composition pertaining to season,sex, and genotype in the polymorphic white-throated sparrow.Journal of ChemicalEcology40, 1025–1038. Whelan, R. J., et al. (2010). Short-chain carboxylic acids from gray catbird (Dumetella carolinensis) uropygial secretions vary with testosterone levels and photoperiod. Comparative Biochemistry and Physiology Part B: Biochemistry and Molecular Biology, 156(3), 183-188. Webb, S. L., et al. (2012). Landscape features and weather influence nest survival of a ground-nesting bird of conservation concern, the greater sage-grouse, in human-altered environments. Ecological Processes, 1, 1-15. Episodes referenced: Effectiveness of trapping across game bird species | #08 Which vital rates are most important to turkey populations? | #13 Brooding and nesting cover (Part 1/2) | #29 Brooding and nesting cover (Part 2/2) | #30   Our lab is primarily funded by donations. If you would like to help support our work, please donate here: http://UFgive.to/UFGameLab   Coming Soon: Wild Turkey Manager: Biology, History, & Heritage! Our newest online wild turkey training is launching soon! Be the first to know when our new course launches by signing up here!   Be sure to check out our comprehensive online wild turkey course featuring experts across multiple institutions that specialize in habitat management and population management for wild turkeys. Earn up to 20.5 CFE hours! Enroll Now!    Dr. Marcus Lashley @DrDisturbance, Publications Dr. Will Gulsby @dr_will_gulsby, Publications Turkeys for Tomorrow @turkeysfortomorrow  UF Game Lab @ufgamelab, YouTube   Want to help wild turkey conservation? Please take our quick survey to take part in our research!   Do you have a topic you'd like us to cover? Leave us a review or send us an email at wildturkeyscience@gmail.com!   Watch these podcasts on YouTube   Please help us by taking our (quick) listener survey - Thank you!    Check out the DrDisturbance YouTube channel! DrDisturbance YouTube   Want to help support the podcast? Our friends at Grounded Brand have an option to donate directly to Wild Turkey Science at checkout. Thank you in advance for your support!   Leave a podcast rating for a chance to win free gear!   This podcast is made possible by Turkeys for Tomorrow, a grassroots organization dedicated to the wild turkey. To learn more about TFT, go to turkeysfortomorrow.org.    Music by Artlist.io Produced & edited by Charlotte Nowak

Send us a textA public inquiry into Lumi's £2bn government bailout exposes Pierpoint's role in the disastrous IPO, where Robert is sent to testify in front of a UK select committee. The episode lays bare how firms protect themselves in crises: lawyers serve the institution, not employees, and blame is carefully redirected toward anyone expendable enough to absorb the fallout.The real financial bombshell, however, happens quietly back on the trading floor. Sweetpea's risk model shows that Pierpoint's entire IPO pipeline is collapsing amid an ESG downturn is actually far worse than anticipated due to prop bets the company took to invest in ESG companies using large tranches of debt that are now coming due. We get into whether this is allowed post–financial crisis (short answer no) BUT the show isn't wrong that this is what people have been worried about in "private credit" now that banks can no longer make these prop bets.The episode positions Pierpoint as something far more fragile than it appears — an institution facing a potential Lehman-style reckoning not from reckless traders (see the prior episode), but from bad investments made by Pierpoint iteself. “Company Man” may be light on deal mechanics, but it sets the stage for the next episode which is arguably one of our favroites. Learn more about 9fin HERE Shop our Self Paced Courses: Investment Banking & Private Equity Fundamentals HEREFixed Income Sales & Trading HERE Wealthfront.com/wss. This is a paid endorsement for Wealthfront. May not reflect others' experiences. Similar outcomes not guaranteed. Wealthfront Brokerage is not a bank. Rate subject to change. Promo terms apply. If eligible for the boosted rate of 4.15% offered in connection with this promo, the boosted rate is also subject to change if base rate decreases during the 3 month promo period.The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of 11/7/25, is representative, requires no minimum, and may change at any time. The APY reflects the weighted average of deposit balances at participating Program Banks, which are not allocated equally. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Sources HERE.

For Christmas Day, we've got a special guest on the Morning Pitt: Peters Township standout and incoming Pitt freshman defensive end Reston Lehman. We're talking to Reston about his career at Peters, an epic WPIAL championship game, why he picked Pitt and a lot more.

Charlie Lehmann & Cosmo Soto bartended in a variety of Sydney, Australia spots (from local dives to crafty speakeasies) before they had the opportunity to become owners of two music centric cocktail joints: Ramblin' Rascal Tavern and Double Deuce Lounge. They became the top selling spot for cognac in the country while also providing live tunes to their community, certainly haven't shied away from having some cheeky fun with their drinks, and provide some of the best playlists in town. There are many colorful characters in both the Aussie music and booze scene, and these two have some great stories about that and more! Then check out their Ramblin' Deuce playlist on Spotify: https://open.spotify.com/playlist/1MBVg6ZQwU9xSmffOvvD5E?si=SVqU1sViQOKGRkK3GZFSDQ

Katie Lehman brings Emily Dickingon to readers in a new light with her poems: "Emily Dickinson's Lexicon."

Welcome to East Chestnut Street Mennonite Church!

Welcome to East Chestnut Street Mennonite Church!

Welcome back to Everyday Homesteading. Today I'm sitting down with two people I deeply respect and always enjoy talking with, Shawn and Beth Dougherty. If you have ever wondered whether a family milk cow actually fits into a busy modern homestead, or if you've been feeling that tug toward a simpler, more land-rooted way of feeding your family, this conversation is for you.Shawn and Beth have spent more than twenty-five years raising a large family, stewarding rough Appalachian ground, and building a thriving homestead centered around the grass-fed family cow. Their new book, One Cow Revolution, takes everything they've learned and puts it into a guide that feels like having a wise neighbor over the fence.We talk about why the dairy cow is still one of the most powerful tools for food independence, how managed grazing can rebuild soil and family culture, and why the cow is far less of a burden than most people fear. Whether you already have a cow, hope to bring one home someday, or think you never will, you'll walk away from this episode with a whole new sense of what's possible.Let's dive in.- Grab a copy of One Cow Revolution here: https://a.co/d/gAx6o34- Check out the accompanying blog post here: https://homesteadingfamily.com/can-anyone-keep-a-dairy-cow- Thanks to Lehman's for sponsoring today's podcast. Be sure to check out all Lehman's has to offer at https://lehmans.com Time Stamps:0:00 - Introduction1:42 - Lehman's2:39 - Main Topic42:31 - One Cow Revolution (Book)~~~~~~~~~~~~~~~MORE ABOUT US!WELCOME! We're so glad you're here! We are Josh and Carolyn Thomas. Together with our eleven children, we are The Homesteading Family where we're living a self-sustainable life in beautiful North Idaho. Let us welcome you and show you a bit about us here: http://bit.ly/HFWelcomeVideoGrow, Preserve & Thrive with us!Visit us on our blog: https://www.homesteadingfamily.comFacebook at https://www.facebook.com/homesteadingfamilyInstagram: https://instagram.com/homesteadingfamilyRumble: https://rumble.com/HomesteadingFamilyA few highlights you don't want to miss are our FREEBIES!!Healthy Healing at Home – Learn how to confidently use herbal medicine in your home with this FREE 4 video workshop: https://homesteadingfamily.com/HHHytYour Best Loaf – A Free 4 video workshop teaching you how to make great bread at home, every time, regardless of the recipe you are using: https://homesteadingfamily.com/free-bread-workshopEvery single month we send out a physical magazine to over 10,000 people! It's filled with seasonal recipes, fresh inspiration for your kitchen, and practical homesteading tips from seasoned homesteaders. Just like the Everyday Homesteading podcast, the magazine equips and empowers you to thrive on your homestead. Sign up now for just $9/month. 

The Real Economics of Rural Surgery with Dr. Randy Lehman In this episode of the BOSS Business of Surgery Series, host Dr. Amy Vertrees sits down with rural surgeon Dr. Randy Lehman for a wide-ranging conversation about rural surgery, financial freedom, and the future of surgical practice. Dr. Lehman shares his unconventional journey, from growing up on a farm in northwest Indiana to becoming a national advocate for rural surgery—complete with a helicopter commute between hospitals. Together, they explore what makes rural surgery uniquely fulfilling, why independent practices struggle in today's healthcare economy, and how financial independence can transform a surgeon's career options and impact. What You'll Learn in This Episode Dr. Lehman's Path to Rural Surgery Growing up on a farm, switching from pre-pharmacy to pre-med, and discovering a passion for rural surgery at Purdue and UC Medical School. He describes the unexpected doors that opened and closed along the way, eventually leading him to Mayo Clinic's rural surgery track and a broad, high-volume surgical experience. What Rural Surgeons Really Do Rural surgery offers a broad scope of practice and the ability to care for patients of all ages—often with higher compensation for lower-acuity operations. Dr. Lehman shares examples from his own practice, which spans carpal tunnels to hysterectomies to skin cancer flaps, as well as why he avoids highly complex cases that require tertiary-care resources. Training That Prepares You for Everything He explains the difference between simply rotating through a rural hospital and completing true rural surgery training, which requires high volume across multiple specialties. His own training included over 1,600 cases—far above the national average. The Hard Truth About Practice Models Dr. Lehman opens up about the highs and lows of his post-residency years, including: Pursuing a job at his hometown hospital after it was sold Building a dual-location practice between two small hospitals Attempting an independent practice with $600k annual overhead and only $350k collection Writing $20–30k checks every few weeks just to keep the doors open The takeaway: in today's economic environment, hospitals subsidize surgeons because they recoup facility fees—while most independent practices cannot survive on professional fees alone. Understanding the Economics: RVUs, Overhead, and Reality He breaks down why his independent practice collected only $57 per RVU versus over $100 per RVU when employed—and what that means for surgeons who dream of autonomy. Dr. Lehman and Dr. Bertrand discuss the impact of decreasing reimbursement, increasing overhead, and the future risk of efficiency adjustments and bundled CPT payments. Financial Freedom as a Career Strategy Dr. Lehman's philosophy is simple and powerful: live on very little early in your career, invest wisely, and achieve financial independence fast. He shares: How buying an $86,000 home allowed him to reach financial freedom within two years Why minimalism amplifies your negotiating power The role of real estate in accelerating independence How financial freedom allows him to give away hundreds of thousands of dollars each year Why money magnifies your character—good or bad Building “The Rural American Surgeon” Podcast Despite costing nearly $50,000 per year to produce, his podcast is a passion project aligned with his goal of becoming a national rural surgery leader. He shares why telling these stories matters for rural hospitals, local economies, and the future surgical workforce. Entrepreneurial Thinking in Medicine Dr. Vertrees and Dr. Lehman close with a powerful discussion on why physicians must think like entrepreneurs—not simply RVU generators. They explore how surgeons can reclaim autonomy, redefine their value, and build careers with freedom, flexibility, and mission at the center. Chapters 00:00:00 – Dr. Randy Lehman's Background and Journey 00:03:47 – The Scope and Benefits of Rural Surgery 00:06:00 – Rural Surgery Training and Case Volume 00:13:18 – Practice Models After Residency: Wins and Struggles 00:20:04 – The Real Economics of Surgical Practice 00:29:56 – Financial Philosophy & Becoming Independent Early 00:42:07 – Creating The Rural American Surgeon Podcast 00:47:56 – Entrepreneurial Mindset and Physician Autonomy Action Items & Takeaways Seek a true rural surgery training track, not just rural exposure. Prioritize high-volume operative experience during residency. Buy a modest first home to accelerate financial independence. Practice generosity early, regardless of income. Explore rural surgery as a deeply rewarding and high-impact career path. Connect with Dr. Lehman at ruralamericansurgeon.com for more resources.

Playing every angle for a shot at the big time, Chicagoans venture to area pool halls to perfect their games and navigate league play for a shot at the APA World Pool Championships in Las Vegas. In Going Rackless: Chicago's Amateur Pool Players and the Quest for Glory in the Biggest Tournament in the World (3 Fields Books, 2025) Dylan Taylor-Lehman joins a lively cast of characters under the lights and inside a subculture as old as Chicago itself. Whether running the table or waiting their turn, everyone has a story to tell and opinions to share on position play, billiards's unwritten code, and life itself. Taylor-Lehman follows four promising teams on a mission to reach Vegas before unwinding an electric account of what it takes to win the world's premier amateur tournament—and what you take away when the balls aren't sunk. Entertaining and immersive, Going Rackless puts readers tableside to watch a game everyone has played but few truly understand. Dylan Taylor-Lehman is a journalist and writer and the author of Sealand: The True Story of the World's Most Stubborn Micronation and Its Eccentric Royal Family and Dance of the Trustees: On the Astonishing Concerns of a Small Ohio Township. Daniel Moran's writing about literature and film can be found on Pages and Frames. He earned his B.A. and M.A. in English from Rutgers University and his Ph.D. in History from Drew University. The author of Creating Flannery O'Connor: Her Critics, Her Publishers, Her Readers, he teaches research and writing and co-hosts the long-running podcast Fifteen-Minute Film Fanatics, found here on the New Books Network. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

Playing every angle for a shot at the big time, Chicagoans venture to area pool halls to perfect their games and navigate league play for a shot at the APA World Pool Championships in Las Vegas. In Going Rackless: Chicago's Amateur Pool Players and the Quest for Glory in the Biggest Tournament in the World (3 Fields Books, 2025) Dylan Taylor-Lehman joins a lively cast of characters under the lights and inside a subculture as old as Chicago itself. Whether running the table or waiting their turn, everyone has a story to tell and opinions to share on position play, billiards's unwritten code, and life itself. Taylor-Lehman follows four promising teams on a mission to reach Vegas before unwinding an electric account of what it takes to win the world's premier amateur tournament—and what you take away when the balls aren't sunk. Entertaining and immersive, Going Rackless puts readers tableside to watch a game everyone has played but few truly understand. Dylan Taylor-Lehman is a journalist and writer and the author of Sealand: The True Story of the World's Most Stubborn Micronation and Its Eccentric Royal Family and Dance of the Trustees: On the Astonishing Concerns of a Small Ohio Township. Daniel Moran's writing about literature and film can be found on Pages and Frames. He earned his B.A. and M.A. in English from Rutgers University and his Ph.D. in History from Drew University. The author of Creating Flannery O'Connor: Her Critics, Her Publishers, Her Readers, he teaches research and writing and co-hosts the long-running podcast Fifteen-Minute Film Fanatics, found here on the New Books Network. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/sports

"If you trust people, your life is very nice." "The bringing people together with one common objective needs to be carefully thought out and defining the processes very carefully needs to be thought out and don't imagine that the process will be figured out by the people themselves." "They are looking for a leader who is responsible, who can make the decision." "Be transparent."  Brief Bio Armel Cahierre is a French-trained engineer who built a multi-country career across R&D, turnaround management, consulting, private equity-adjacent deal work, and consumer retail. After early technical work in Japan (including R&D exposure through Thomson during Japan's 1980s electronics peak), he returned to Europe for an MBA at INSEAD and moved into industrial leadership roles, taking on high-responsibility turnaround assignments in his late 20s across France, Italy, Germany, and Switzerland. He later helped open a European office for a US firm pioneering semantic analysis for qualitative market research, working with major global brands. That experience led to entrepreneurship in eyewear (ski goggles and sunglasses), a subsequent exit to an Italian group, and executive-level work tied to licensing and Western European markets. After a period in California doing pre- and post-M&A consulting (including carve-outs linked to the Vivendi break-up), he returned to Japan, became President of Paris Miki, and later pivoted after a Cerberus transaction collapsed on the day of the Lehman shock. He then founded B4F in Japan, building a members-only, online flash-sales model that sources only through official brand channels and emphasises simplicity of operations, trust, and process discipline. Armel Cahierre's leadership story, is less a straight line than a sequence of deliberately chosen reinventions anchored by one constant: clarity of purpose and an intolerance for unnecessary complexity. As Founder and President of B4F, he operates a members-only flash sales platform focused primarily on fashion and lifestyle brands, with time-limited sales and controlled visibility designed to protect brand equity. The proposition is simple for customers and brands alike: members access discounts without prices being exposed to the wider web, and brands clear excess inventory without training the mass market to wait for markdowns. Operationally, the model leans toward discipline—no grey market sourcing, no parallel imports, and minimal exposure to foreign exchange or customs friction by buying and selling in yen. That preference for simple systems was shaped long before e-commerce. Early in his management career, Cahierre was sent into difficult turnaround situations and learned that the fastest route to recovery often begins with information-sharing and dignity. In one formative case, he arrived at a unionised boiler manufacturer with a catastrophic defect cycle and discovered frontline employees had never been told the company's true position. Once he made the economics and the problem visible, alignment followed—less because of charisma, more because people could finally see the same "game board". In Japan, he argues, the same outcomes are possible, but the route is slower and more socially coded. Ideas rarely appear instantly in open forum; trust must be earned, roles must be read correctly, and influence may sit away from formal hierarchy. Where some foreign leaders push targets and individual incentives, he sees higher leverage in process: process KPIs, well-defined routines, and a shared understanding of "how work is done"—a philosophy that maps cleanly onto kaizen, consensus-building, and the reality that nemawashi often precedes the formal ringi-sho. He also warns against confusing "culture" with "excuses": claims that "Japan can't do X" frequently hide uncertainty avoidance, fear of accountability, or simple inertia rather than any immutable national constraint. On technology, Cahierre is pragmatic and a little provocative. If AI is framed as replacing white-collar work, the CEO should not imagine immunity. The agenda, in his view, is training and judgement: equip teams to use AI well (as companies should have done with Excel and PowerPoint years ago), understand where it accelerates work, and retain human decision intelligence where context, responsibility, and ethics matter. Q&A Summary What makes leadership in Japan unique? Cahierre frames Japan's leadership challenge as less about "mystical difference" and more about how alignment is formed. Teams often respond best to clearly defined processes and shared routines, rather than blunt target pressure. Consensus is frequently built informally first—akin to nemawashi—before decisions become visible through formal approval mechanics (the ringi-sho mindset), meaning leaders must manage the unseen steps, not just the outcome. Why do global executives struggle? He sees many global leaders bringing a KPI-and-bonus playbook that freezes people rather than mobilising them. When targets are pushed without an equally clear process map, staff can become defensive, quiet, and risk-minimising—especially in environments where standing out carries social cost. He also calls out a "guru layer" of advice that over-indexes on etiquette and language theatre while ignoring business fundamentals. Is Japan truly risk-averse? His view is more nuanced: behaviour can look risk-averse, but it often reflects uncertainty avoidance and accountability anxiety. Autonomy can feel like exposure. The leader's job is to reduce ambiguity with system clarity, make responsibility safe, and remove the fear that initiative will be punished. What leadership style actually works? He advocates clarity-first leadership: leaders must know why they are in Japan, be able to "cover" for head office rather than hiding behind it, and set simple, easy-to-grasp goals. The style is firm on direction, generous on trust, and disciplined on processes. Praise is handled carefully: group praise in public is often safer, with individual recognition delivered in ways that do not isolate the person. How can technology help? Technology (including AI) is framed as a productivity multiplier when paired with training. Cahierre argues organisations underinvest in capability-building, then pay the price in wasted hours. AI can support decision intelligence, scenario work, and even "digital twins" of operations if used thoughtfully—but banning it is usually counterproductive, especially when younger workers adopt it as a learning partner rather than a shortcut. Does language proficiency matter? Language and cultural literacy help, but Cahierre's sharper point is that leaders should not let "Japan is different" become a shield for poor execution. Credibility is built more through transparency, consistency, and the ability to explain goals and trade-offs than through performative cultural fluency. What's the ultimate leadership lesson? He returns to trust as a strategic choice. Trust creates speed, openness, and a healthier workplace, even if it occasionally leads to disappointment. Distrust creates paralysis. In Japan especially, he argues that trust must be paired with a simple system: clear rules, clear processes, and a leader willing to be transparent about risks without being ruled by worry. Author Credentials Dr. Greg Story, Ph.D. in Japanese Decision-Making, is President of Dale Carnegie Tokyo Training and Adjunct Professor at Griffith University. He is a two-time winner of the Dale Carnegie "One Carnegie Award" (2018, 2021) and recipient of the Griffith University Business School Outstanding Alumnus Award (2012). As a Dale Carnegie Master Trainer, Greg is certified to deliver globally across all leadership, communication, sales, and presentation programs, including Leadership Training for Results. He has written several books, including three best-sellers — Japan Business Mastery, Japan Sales Mastery, and Japan Presentations Mastery — along with Japan Leadership Mastery and How to Stop Wasting Money on Training. His works have also been translated into Japanese, including Za Eigyō (ザ営業), Purezen no Tatsujin (プレゼンの達人), Torēningu de Okane o Muda ni Suru no wa Yamemashō (トレーニングでお金を無駄にするのはやめましょう), and Gendaiban "Hito o Ugokasu" Rīdā (現代版「人を動かす」リーダー). In addition to his books, Greg publishes daily blogs on LinkedIn, Facebook, and Twitter, offering practical insights on leadership, communication, and Japanese business culture. He is also the host of six weekly podcasts, including The Leadership Japan Series, The Sales Japan Series, The Presentations Japan Series, Japan Business Mastery, and Japan's Top Business Interviews. On YouTube, he produces three weekly shows — The Cutting Edge Japan Business Show, Japan Business Mastery, and Japan's Top Business Interviews — which have become leading resources for executives seeking strategies for success in Japan.  

Galen Clavio is joined by Taylor Lehman for the final deep-dive preview of the Big Ten Championship Game between #2 Indiana and #1 Ohio State.They break down why this matchup is unprecedented, what's changed since last year's IU–OSU meeting, how Fernando Mendoza and Indiana's upgraded roster stack up against the Buckeyes, and the advanced-stat matchups that will decide a historic Saturday night in Indianapolis.Presented by Homefield Apparel (Indy pop-ups all weekend) and Posh Hotel Bloomington.Subscribe to the Back Home Network for wall-to-wall title-game coverage.

Jon Lehman of MinDak Outdoors shares some strategies to capitalize on late season waterfowl opportunities.See omnystudio.com/listener for privacy information.

Gabe Genovesi catches up with Zane, Zita and Morgan as Wrestling and Swimming ramp up their Winter seasons and women's golf prepares for the Spring.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Galen Clavio and Taylor Lehman from Bite Sized Bison dive deep into Indiana's bye week — looking back on the Hoosiers' undefeated run, the players who've stepped up in 2025, and how IU's recruiting success is shaping the future of the program.They discuss Fernando Mendoza's Heisman-caliber season, the emergence of new offensive and defensive stars, and the analytics behind Indiana's dominance. Plus: how the Hoosiers have built a national recruiting profile and why it's sustainable.Presented by Homefield Apparel — use code HOMEFIELD30 for 30% off during the Black Friday sale.

Our SOF warriors, or Special Operations Forces, are never really home.  They are either deployed or in training for 9 months out of the year. As a spouse, you have to figure out how to connect through the distance and build your community where you are.  -KaLea Lehman As a military spouse, this week's guest understands what the words “service” and “sacrifice” really mean.   Meet KaLea Lehman, Executive Director and Founder of the Military Special Operations Family Collaborative www.msofc.org, a non-profit dedicated to strengthening and supporting the families of our nation's most elite warriors.  She is also the co-author of The Warrior's Table, a powerful cookbook and storytelling project created by a group of special operations wives who call themselves “The Cast Iron Crew.”   Designed to share recipes and stories about their military service, The Warrior's Table is a beautiful testimony to the strong women who wrote it.  The mother of seven, including a special needs child, KaLea wishes that Americans truly understood the toll this level of military service and training takes on these warriors.  “The dirty little secret is:  there is no stop. There is no break.  There is no taking a knee, only hard-charging, all the time.  It's constant stress.”  Under her guidance, the Military Special Operations Family Collaborative has identified 8 SOF Pitfalls and 8 Checkpoints.  What's one of the most powerful ways for these brave men and their families to connect and heal?  Sharing a meal and conversation around the family dinner table.   For a 25-minute story full of devotion, love, service, purpose, and pride in America, just hit that download button.  #militaryfamilies #SpecialOperations#womeninspiringwomen 

Wisdom - living a life of application of God's Word?Connect with us through: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Web Site⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠(1)⁠⁠LifeCentral Bikers Church -YouTube

Course Correction ep.805 M.R. Lehman Wiens is a Pushcart-nominated writer and stay-at-home dad living in Minnesota. His work has previously appeared, or is upcoming in, F(r)iction, Short Édition, Consequence, The Wild Umbrella Literary Journal, and others. He can be found at lehmanwienswrites.com. Course Correction previously appeared in the Fall 2019 issue of The First Line Literary Journal   ---- Listen Elsewhere ---- YouTube:  https://www.youtube.com/c/TallTaleTV Website: http://www.TallTaleTV.com   ---- Story Submission ---- Got a short story you'd like to submit? Submission guidelines can be found at http://www.TallTaleTV.com   ---- About Tall Tale TV ---- Hi there! My name is Chris Herron and I'm an audiobook narrator. In 2015, I suffered from poor Type 1 diabetes control which lead me to become legally blind for almost a year. The doctors didn't give me much hope, predicting an 80% chance that I would never see again. But I refused to give up and changed my lifestyle drastically. Through sheer willpower (and an amazing eye surgeon) I beat the odds and regained my vision. During that difficult time, I couldn't read or write, which was devastating as they had always been a source of comfort for me since childhood. However, my wife took me to the local library where she read out the titles of audiobooks to me. I selected some of my favorite books, such as the Disc World series, Name of the Wind, Harry Potter, and more, and the audiobooks brought these stories to life in a way I had never experienced before. They helped me through the darkest period of my life and I fell in love with audiobooks. Once I regained my vision, I decided to pursue a career as an audiobook narrator instead of a writer. That's why I created Tall Tale TV, to support aspiring authors in the writing communities that I had grown to love before my ordeal. My goal was to help them promote their work by providing a promotional audio short story that showcases their writing skills to readers. They say the strongest form of advertising is word of mouth, so I offer a platform for readers to share these videos and help spread the word about these talented writers. Please consider sharing these stories with your friends and family to support these amazing authors. Thank you!   ---- legal ---- All stories on Tall Tale TV have been submitted in accordance with the terms of service provided on http://www.talltaletv.com or obtained with permission by the author. All images used on Tall Tale TV are either original or Royalty and Attribution free. Most stock images used are provided by http://www.pixabay.com , https://www.canstockphoto.com/ or created using AI. Image attribution will be declared only when required by the copyright owner. Common Affiliates are: Amazon, Smashwords  

The Epstein files and the Michael Wolff ethics mess. Then Brad Carson (Americans for Responsible Innovation) and Charles Lehman (Manhattan Institute / City Journal) dig into the shutdown endgame, Schumer's calculus, 2026 vibes, and why data centers might be a sleeper issue. They argue affordability vs. "afford to dream," culture vs. policy, and whether legalization waves for pot, NIL, and sports betting were built to fail. Plus: AI guardrails, why adding friction to vices works, and Goat Grinders on EST vs. EDT, reclining your plane seat, and off-leash dogs. Bonus Q&A about Brad's Senate race in the Not Even Mad feed. Produced by Corey Wara Email us at ⁠⁠⁠⁠thegist@mikepesca.com⁠⁠⁠⁠ To advertise on the show, contact ⁠⁠⁠⁠ad-sales@libsyn.com⁠⁠⁠⁠ or visit ⁠⁠⁠⁠https://advertising.libsyn.com/TheGist⁠⁠⁠⁠ Subscribe to The Gist: ⁠⁠⁠⁠https://subscribe.mikepesca.com/⁠⁠⁠⁠ Subscribe to The Gist Youtube Page: ⁠⁠⁠⁠https://www.youtube.com/channel/UC4_bh0wHgk2YfpKf4rg40_g⁠⁠⁠⁠ Subscribe to The Gist Instagram Page: ⁠⁠⁠⁠GIST INSTAGRAM⁠⁠⁠⁠ Follow The Gist List at: ⁠⁠⁠⁠Pesca⁠⁠⁠⁠ ⁠⁠⁠⁠Profundities | Mike Pesca | Substack

#319 The modern power grid faces an existential challenge: integrating massive amounts of renewable energy while keeping the lights on. Sean Kelly, CEO and Founder of Amperon, explains how artificial intelligence and machine learning are replacing outdated forecasting methods to predict energy supply and demand with precision. This conversation explores battery optimization, demand response programs, and why traditional grid models no longer work in a world of extreme weather and distributed generation.Sean Kelly leads Amperon, a company providing AI-driven energy forecasting platforms for grid operators, battery owners, and energy traders. With nearly 20 years of experience in energy trading and risk management, Kelly has worked for major energy firms such as Tenaska, Lehman, EDF, and E.ON, where he led significant trading desk developments and transitions, including bringing nuclear power plants into new markets. Key Discussion Points:Traditional forecasting models look backward. AI models look forward and learn in real time, adapting to grid changes as they happen.Battery storage is exploding. ERCOT expects 40% more storage in the next 5 years. Texas batteries run 1-2 hours, California runs 4-hour batteries, and companies like Form Energy are developing 100+ hour systems.The critical hours are 6pm to 9pm. When solar goes down at sunset and wind drops simultaneously, batteries become essential. Amperon's platform tells operators exactly when to charge and discharge for maximum profit.The grid needs 6 terawatt hours of energy storage but we're only one-tenth of the way there. Developers should build all projects battery-ready or include storage today.Demand response works like insurance. Grid operators pay large customers to reduce load during peak times. Penalties are severe for non-compliance, ensuring the system works when needed.Forecasting is no longer optional. Sean calls it "the operating system of the modern grid." Historical averages won't keep the lights on anymore.Data centers and large industrial loads play a critical role in grid flexibility, backing down from 20 megawatts to 10 megawatts when grid operators need relief.Connect with Sean Kelly LinkedIn: https://www.linkedin.com/in/sean-kelly-0792626/ Support the showConnect with Tim Clean Power Hour Clean Power Hour on YouTubeTim on TwitterTim on LinkedIn Email tim@cleanpowerhour.com Review Clean Power Hour on Apple PodcastsThe Clean Power Hour is produced by the Clean Power Consulting Group and created by Tim Montague. Contact us by email: CleanPowerHour@gmail.com Corporate sponsors who share our mission to speed the energy transition are invited to check out https://www.cleanpowerhour.com/support/The Clean Power Hour is brought to you by CPS America, maker of North America's number one 3-phase string inverter, with over 6GW shipped in the US. With a focus on commercial and utility-scale solar and energy storage, the company partners with customers to provide unparalleled performance and service. The CPS America product lineup includes 3-phase string inverters from 25kW to 275kW, exceptional data communication and controls, and energy storage solutions designed for seamless integration with CPS America systems. Learn more at www.chintpowersystems.com

Welcome to the Personal Development Trailblazers Podcast! In today's episode, we're helping introverts who are tired of not being heard to finally speak up and create a stronger professional impact.Tonya Lehman is an educator, speaker, and entrepreneur who champions the importance of effective communication. With infectious enthusiasm, she captivates audiences with value-driven talks and insightful discussions on communication mastery, effective goal setting, fostering courage, and unlocking creativity. From informal community settings to high-stakes corporate environments, Tonya draws from her diverse experiences, offering insights and practical techniques to enhance public speaking skills, catering to both introverts and extroverts alike.Connect with Tonya Here: Facebook: https://www.facebook.com/speakupwithtonyaInstagram: https://www.instagram.com/speakupwithtonya/YouTube: https://www.youtube.com/@SpeakUpWithTonyaLinkedIn: https://www.linkedin.com/in/tonya-lehman-972b9567/Website: https://www.joylab.biz/tonyatalksGrab the freebie here: The Courage to Speak:  3 Steps to Calm Your Inner Critic and Own the Moment  free guide https://tinyurl.com/courage-to-speak===================================If you enjoyed this episode, remember to hit the like button and subscribe. Then share this episode with your friends.Thanks for watching the Personal Development Trailblazers Podcast. This podcast is part of the Digital Trailblazer family of podcasts. To learn more about Digital Trailblazer and what we do to help entrepreneurs, go to DigitalTrailblazer.com.Are you a coach, consultant, expert, or online course creator? Then we'd love to invite you to our FREE Facebook Group where you can learn the best strategies to land more high-ticket clients and customers. QUICK LINKS: APPLY TO BE FEATURED: https://app.digitaltrailblazer.com/podcast-guest-applicationDIGITAL TRAILBLAZER: https://digitaltrailblazer.com/

We are welcoming back Dr. Lehman with so much positive feedback about his first time on the show. Last show with Dr. Karl, we specifically spoke about the trauma from the perspective of the non-autistic woman married to an autistic man. Today, we shift the focus to potential traumas the autistic man may have, where simple feedback and simple emotions can trigger trauma in the autistic spouse, with a brief discussion on brain anatomy and how trauma develops and the differences in processing in the autistic brain. While we did not get enough time to go through all the steps of healing, we introduce that laying new circuits are possible and healing old trauma and wounds is possible! About Our Guest:Dr. Karl Lehman is a board-certified psychiatrist with 35+ years of experience and more than 40,000 hours of clinical experience. He has worked tenaciously throughout his career to integrate his personal Christian faith with medical science, modern mental health care, and his rigorous scientific training. He has researched and worked to integrate faith-based emotional healing with insights from psychological and neurological research. Dr. Lehman is also deeply committed to his own growth and healing.Dr. Lehman has been married to Charlotte for over 30 years, and they work as a team to apply everything they learn about growth and healing in the context of their marriage.Author of Outsmarting Yourself and The Immanuel Approach. Podcast links from podcasts we mentioned about autistic brain neurology:Pt 1 with Dr. Lehmanhttps://www.spreaker.com/episode/unresolved-trauma-s-impact-on-marriage-with-dr-karl-lehman--66548811 Enemy Mode with Dr. Wilderhttps://www.spreaker.com/episode/escaping-enemy-mode-with-dr-jim-wilder--52449734

What would it really take to feed your family if the grocery stores closed tomorrow? In this episode of Everyday Homesteading, Josh talks with survival expert and herbalist Sam Coffman, author of Survival Gardening: Grow Your Own Emergency Food Supply, about how to build a garden that truly sustains life.Learn how to choose calorie-dense crops, build living soil, and use every layer of your garden for maximum yield. Sam shares practical steps to start small (whether you're growing in a backyard, raised bed, or apartment balcony) and explains why community resilience is just as important as self-sufficiency.This conversation is a call to preparedness, not panic. You'll come away ready to grow smarter, store longer, and feed your family well in any season.Listen now and discover how to grow a survival garden that thrives when it matters most, or visit the blog post to watch this interview: https://homesteadingfamily.com/how-to-grow-a-survival-garden/Thanks to Lehman's for sponsoring this podcast. Visit their store to check out all their great offerings at Lehmans.com~~~~~~~~~~~~~~~MORE ABOUT US!WELCOME! We're so glad you're here! We are Josh and Carolyn Thomas. Together with our eleven children, we are The Homesteading Family where we're living a self-sustainable life in beautiful North Idaho. Let us welcome you and show you a bit about us here: http://bit.ly/HFWelcomeVideoGrow, Preserve & Thrive with us! Visit us on our blog: https://www.homesteadingfamily.comFacebook at https://www.facebook.com/homesteadingfamilyInstagram: https://instagram.com/homesteadingfamilyRumble: https://rumble.com/HomesteadingFamilyA few highlights you don't want to miss are our FREEBIES!!Healthy Healing at Home – Learn how to confidently use herbal medicine in your home with this FREE 4 video workshop: https://homesteadingfamily.com/HHHytYour Best Loaf – A Free 4 video workshop teaching you how to make great bread at home, every time, regardless of the recipe you are using: https://homesteadingfamily.com/free-bread-workshopMeals on Your Shelf – Can along with me!  Learn to can and put jars of a delicious meal on your pantry shelf with this FREE video series: https://homesteadingfamily.com/MOYS-free-workshopAnd hey, don't forget to download this episode, like and subscribe, then share with your friends so more people can hear reliable homesteading advice.

Horror took 17% of the US box office this year, a record high… it's the divisive dividend.Starbucks sales grew last Q for the first time in 7 quarters … thanks to coffee delivery.The Government Shutdown's entering month 2… food stamps and healthcare are the focus.Plus, our biz-themed Halloween costume is… K-Pop Lehman Hunters$SBUX $BCS $SPYNEWSLETTER:https://tboypod.com/newsletter OUR 2ND SHOW:Want more business storytelling from us? Check our weekly deepdive show, The Best Idea Yet: The untold origin story of the products you're obsessed with. Listen for free to The Best Idea Yet: https://wondery.com/links/the-best-idea-yet/NEW LISTENERSFill out our 2 minute survey: https://qualtricsxm88y5r986q.qualtrics.com/jfe/form/SV_dp1FDYiJgt6lHy6GET ON THE POD: Submit a shoutout or fact: https://tboypod.com/shoutouts SOCIALS:Instagram: https://www.instagram.com/tboypod TikTok: https://www.tiktok.com/@tboypodYouTube: https://www.youtube.com/@tboypod Linkedin (Nick): https://www.linkedin.com/in/nicolas-martell/Linkedin (Jack): https://www.linkedin.com/in/jack-crivici-kramer/Anything else: https://tboypod.com/ About Us: The daily pop-biz news show making today's top stories your business. Formerly known as Robinhood Snacks, The Best One Yet is hosted by Jack Crivici-Kramer & Nick Martell.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Dr. Mark Christian (Lehman College Professor in Africana Studies & Sociology) talks about his latest book, Frederick Douglass: A life in American History (Bloomsbury 2025) with his Lehman colleague Dr. Gillian Bayne. To learn more, visit IndoorVoicesPodcast.com.

Is 2025 a pivotal inflection point for AI in health care? Dr. Connie Lehman, Co-Founder of Clairity, thinks so, and she has strong cause for optimism. Her organization's software-as-a-medical-device product, Clairity Breast, recently received authorization from the Food and Drug Administration as the first AI platform that predicts a woman's five-year risk of developing breast cancer.On this episode, Dr. Lehman shares her journey with Clairity, from the paper she read as a medical student that sparked the idea, to her experience navigating the new domain of image-based risk assessment with the FDA. Her current focus is on implementing the technology through education and advocacy.Dr. Lehman is passionate about advancing medicine toward risk assessment and disease prevention. Understanding risk empowers patients and their health care providers to choose the best path. Dr. Lehman envisions a future where image-based risk information is accessible and available to improve health outcomes for all.

LISTEN and SUBSCRIBE on:Apple Podcasts: https://podcasts.apple.com/us/podcast/watchdog-on-wall-street-with-chris-markowski/id570687608 Spotify: https://open.spotify.com/show/2PtgPvJvqc2gkpGIkNMR5i WATCH and SUBSCRIBE on:https://www.youtube.com/@WatchdogOnWallstreet/featured  A top salesman at Stifel Financial racked up 34 complaints and millions in fraud claims—and somehow stayed in business. In this episode:How a single broker's “structured notes” scam cost clients millionsWhy Wall Street firms protect rainmakers instead of investorsThe dirty truth about how big brokerages treat fraud as a “cost of doing business”What constant job-hopping between Lehman, Citi, Morgan Stanley, and Stifel really meansHow to actually find an advisor who puts your interests firstWall Street keeps rewarding the crooks who bring in cash. Don't be their next victim.

EVEN MORE about this episode!In this illuminating episode, Rita Mirchandani—Akashic Records teacher and spiritual life coach—shares how her Irish and Indian roots shaped a path of deep spiritual awakening. From the legends of fairies and St. Bridget to the sacred energy of India, Rita reveals how blending cultures and intuition can reconnect us to our soul's truth.You'll hear how a powerful apparition forever changed her life, sparking a journey through Asia and thousands of Akashic readings that help others rediscover purpose and clarity. Together, we explore how spirituality and professional life can coexist, how ancestral healing frees us from outdated patterns, and how trusting divine guidance transforms both our careers and our consciousness.Guest Biography:Rita Ellen Mirchandani is an Akashic Records Teacher and Spiritual Life Coach who helps others connect with their core essence and live in alignment with their true selves. After a profound spiritual awakening in 2017 led her to leave her corporate career and explore self-discovery in Asia, Rita has since guided thousands through the Akashic Records. With over 2,000 readings to date, she empowers individuals to trust their intuition, release limiting patterns, and live with greater clarity and purpose.Episode Chapters:(0:00:01) - Bridging Ancient Wisdom With Modern Living(0:08:00) - Awakening and Spiritual Transformation(0:14:55) - Embracing Spirituality in Modern Careers(0:19:48) - Exploring Akashic Records Through Intuition(0:29:29) - Spiritual Guidance Through the Oversoul(0:37:13) - Healing Patterns, Ancestral Trauma, Spiritual Awakening(0:47:10) - Understanding Soul Contracts and IntuitionTo learn more about Dr. Lehman and her products, please visit: https://askjulieryan.com/candles and enter code JULIERYAN for a 20% discount.➡️Subscribe to Ask Julie Ryan YouTube➡️Subscribe to Ask Julie Ryan Español YouTube➡️Subscribe to Ask Julie Ryan Português YouTube➡️Subscribe to Ask Julie Ryan Deutsch YouTube➡️Subscribe to Ask Julie Ryan Français YouTube✏️Ask Julie a Question!

Inspired by the true story of the friendship between Rembrandt and Rabbi Menashe Ben Israel. Painting scenes from Bible stories is Rembrandt's passion. Many of his Amsterdam neighbors are Sephardic Jews, and the children often come to play with the costumes at the renowned painter's house. Rabbi Menashe Ben Israel encourages his neighbors to pose for Rembrandt's biblical scenes. He helps the painter understand the descriptive words in the Hebrew bible. At the rabbi's home for Sabbath dinner, Rembrandt watches his friend cup his hands over his children's heads and say a blessing, which gives him an idea for a very special painting. Tami Lehman-Wilzig is the award-winning author of sixteen Jewish content picture books, including On the Wings of Eagles, SOOSIE, The Horse That Saved Shabbat; Keeping The Promise; Nathan Blows Out the Hanukkah Candles; Passover Around the World; and Hanukkah Around the World. Here, we we talk about her brand new picture book, Rembrandt's Blessing, (illustrated by Anita Barghigiani, Kar-Ben Publishing, Sept. 2025), and her writing journey. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

EVEN MORE about this episode!After years in the fast-paced world of anesthesiology, Dr. Liz Lehman discovered a different kind of healing — one that begins with light, scent, and intention. An unexpected encounter with candle making sparked a journey that led her to create Aluminate Life, a wellness brand blending medical science with the energetic power of crystals and essential oils.In this illuminating conversation, Dr. Liz opens up about the pressures of modern medicine, the healing potential of creativity, and the ways gratitude and mindfulness can restore balance from the inside out. Discover how merging science and spirituality can help you reconnect with your body, elevate your energy, and live with greater purpose and peace.Guest Biography:Liz Lehman, M.D. is a board-certified anesthesiologist, entrepreneur, and founder of Aluminate Life, a luxury wellness brand that fuses the science of scent with the healing energy of crystals and essential oils. After an injury redirected her decades-long medical career, Liz turned toward holistic healing, transforming a personal ritual of candles and crystals into a brand now featured in luxury spas and boutiques nationwide. Inspired by her father's early lessons on the beauty and power of crystals, she combines medical expertise with energy medicine to create products that balance science and soul. As a mother, healer, and innovator, Dr. Liz reminds us that true wellness is more than recovery—it's about aligning body, mind, and spirit to live with light, balance, and purpose.Episode Chapters:(0:00:01) - Healing Through Medicine and Creativity(0:09:13) - Stress, Healing, and Anesthesia Insights(0:20:22) - Modern Wellness Trends and Crystal Healing(0:37:41) - Creating Healing Environment With Candles(0:53:31) - Holistic Health and Wellness TipsTo learn more about Dr. Lehman and her products, please visit: https://askjulieryan.com/candles and enter code JULIERYAN for a 20% discount.➡️Subscribe to Ask Julie Ryan YouTube➡️Subscribe to Ask Julie Ryan Español YouTube➡️Subscribe to Ask Julie Ryan Português YouTube➡️Subscribe to Ask Julie Ryan Deutsch YouTube➡️Subscribe to Ask Julie Ryan Français YouTube✏️Ask Julie a Question!

This week I talk with Meghan Lehman, Shelter Brand Manager, at Hill's Pet Nutrition. Meghan joined Hill's Pet Nutrition in 2025 to lead the Hill's Food, Shelter & Love program. Leveraging extensive experience across both the animal shelter and corporate sectors, she focuses on developing high-impact strategies that drive growth, strong partnership development, marketing engagement, and social good. We discuss this year's results of the State of Shelter Pet Adoption Report, some surprising findings, and how anyone can help shelter pets regardless of  your circumstances. To learn more about the State of Shelter Pet Adoption Report go to www.hillspet.com/shelter-program. While you are there, you can also find a shelter near you!Sponsor:LIX - check out www.lixpetwellness.com to learn more about CBD for pets. Use code Rescuepod20 for 20% off your first order! Thanks for listening! If you liked what you heard, please rate, review, and subscribe. If you have ideas for future guests please email me at theanimalrescuepodcast@gmail.com or follow me @theanimalrescuepod on Instagram. You can also learn more about the organizations I interview and how to listen/watch at www.theanimalrescuepodcast.my.canva.site

Five “weeds,” tons of medicine. In today's Everyday Homesteading episode, Carolyn sits down with herbalist Dr. Patrick Jones to unpack practical, safe uses for five common wild herbs: mallow/marshmallow/hollyhock (roots), plantain (leaf), burdock (root), stinging nettle (leaf/seed/root), and mullein (leaf/flower/root).What you'll learn:Mallow family roots for soothing mucous membranes and calming “die lines” in stubborn woundsPlantain for punctures, drawing out toxins, and gentle gut supportBurdock root for liver, skin, and daily prebiotic benefitsStinging nettle leaf for allergies, seed for kidneys, root for male urinary supportMullein to quiet dry coughs, make simple ear oil, and support back/bladder with the rootBest times to harvest roots of biennials, how to slice before drying, and what to stock in a starter herbal kitResources:- For more information, visit the blog post here: https://homesteadingfamily.com/healing-herbs-and-plants/- Check out Doc Jones' book here: https://homesteadingfamily.com/podcast-docjonesweeds- Thanks to Lehman's for sponsoring this podcast. Be sure to check them out, and don't forget to request a FREE catalog at https://lehmans.com- Check out Dr. Patrick Jones and everything he has to offer over at https://homegrownherbalist.netTime Stamps:- 0:00 - Introduction- 2:29 - Lehmans- 4:04 - How You Can Help!- 5:14 - Main TopicIf you enjoy the show, please rate, review, and follow. Then, download the first five episodes of season 6 to help more homesteaders find us.~~~~~~~~~~~~~~~MORE ABOUT US!WELCOME! We're so glad you're here! We are Josh and Carolyn Thomas. Together with our eleven children, we are The Homesteading Family where we're living a self-sustainable life in beautiful North Idaho. Let us welcome you and show you a bit about us here: http://bit.ly/HFWelcomeVideo Grow, Preserve & Thrive with us!  Visit us on our blog: https://www.homesteadingfamily.comFacebook at https://www.facebook.com/homesteadingfamilyInstagram: https://instagram.com/homesteadingfamilyRumble: https://rumble.com/HomesteadingFamilyA few highlights you don't want to miss are our FREEBIES!! Healthy Healing at Home – Learn how to confidently use herbal medicine in your home with this FREE 4 video workshop: https://homesteadingfamily.com/HHHytYour Best Loaf – A Free 4 video workshop teaching you how to make great bread at home, every time, regardless of the recipe you are using: https://homesteadingfamily.com/free-bread-workshopMeals on Your Shelf – Can along with me!  Learn to can and put jars of a delicious meal on your pantry shelf with this FREE video series: https://homesteadingfamily.com/MOYS-free-workshopAnd hey, don't forget to download this episode, like and subscribe, then share with your friends so more people can hear reliable homesteading advice.

In this episode, we reveal results from our latest research analyzing the role of hen survival in turkey population dynamics.   Our lab is primarily funded by donations. If you would like to help support our work, please donate here: http://UFgive.to/UFGameLab   Resources:   Pre-Print: Lashley et al. (2025) Female Wild turkey survival meta-analysis   Byrne, M. E., et al. (2015). Potential density dependence in wild turkey productivity in the southeastern United States. In Proceedings of the National Wild Turkey Symposium (Vol. 11, pp. 329-351).    Johnson, V. M., et al. (2022). Nest site selection and survival of wild turkeys in Tennessee. Journal of the Southeastern Association of Fish and Wildlife Agencies, 9, 134-143.   Lehman, C. P., et al. (2022). Factors influencing rate of decline in a Merriam's wild turkey population. The Journal of Wildlife Management, 86(6), e22240.    Londe, David W., et al. "Review of range‐wide vital rates quantifies eastern wild Turkey population trajectory." Ecology and Evolution 13.2 (2023): e9830.   Speake, Daniel W. "Predation on wild turkeys in Alabama." 4th National Wild Turkey Symposium. Little Rock, Arkansas (USA). 2-5 Mar 1980.. 1980.    Tyl, R. M., et al. (2023). Factors influencing survival of female eastern wild turkeys in northeastern South Dakota. Wildlif e Society Bulletin, 47(2), e1429.   Which vital rates are most important to turkey populations? | Ep 13 SD Research Update: Major constraints and BMPs | Ep 81   We've launched a comprehensive online wild turkey course featuring experts across multiple institutions that specialize in habitat management and population management for wild turkeys. Earn up to 20.5 CFE hours! Enroll Now!    Dr. Marcus Lashley @DrDisturbance, Publications Dr. Will Gulsby @dr_will_gulsby, Publications Turkeys for Tomorrow @turkeysfortomorrow  UF Game Lab @ufgamelab, YouTube   Donate to our wild turkey research: UF Turkey Donation Fund , Auburn Turkey Donation Fund    Want to help wild turkey conservation? Please take our quick survey to take part in our research!   Do you have a topic you'd like us to cover? Leave us a review or send us an email at wildturkeyscience@gmail.com!   Watch these podcasts on YouTube   Please help us by taking our (quick) listener survey - Thank you!    Check out the DrDisturbance YouTube channel! DrDisturbance YouTube   Want to help support the podcast? Our friends at Grounded Brand have an option to donate directly to Wild Turkey Science at checkout. Thank you in advance for your support!   Leave a podcast rating for a chance to win free gear!   This podcast is made possible by Turkeys for Tomorrow, a grassroots organization dedicated to the wild turkey. To learn more about TFT, go to turkeysfortomorrow.org.    Music by Artlist.io Produced & edited by Charlotte Nowak  

In this episode, we reveal results from our latest research analyzing the role of hen survival in turkey population dynamics.   Our lab is primarily funded by donations. If you would like to help support our work, please donate here: http://UFgive.to/UFGameLab   Resources:   Pre-Print: Lashley et al. (2025) Female Wild turkey survival meta-analysis   Byrne, M. E., et al. (2015). Potential density dependence in wild turkey productivity in the southeastern United States. In Proceedings of the National Wild Turkey Symposium (Vol. 11, pp. 329-351).    Johnson, V. M., et al. (2022). Nest site selection and survival of wild turkeys in Tennessee. Journal of the Southeastern Association of Fish and Wildlife Agencies, 9, 134-143.   Lehman, C. P., et al. (2022). Factors influencing rate of decline in a Merriam's wild turkey population. The Journal of Wildlife Management, 86(6), e22240.    Londe, David W., et al. "Review of range‐wide vital rates quantifies eastern wild Turkey population trajectory." Ecology and Evolution 13.2 (2023): e9830.   Speake, Daniel W. "Predation on wild turkeys in Alabama." 4th National Wild Turkey Symposium. Little Rock, Arkansas (USA). 2-5 Mar 1980.. 1980.   Tyl, R. M., et al. (2023). Factors influencing survival of female eastern wild turkeys in northeastern South Dakota. Wildlif e Society Bulletin, 47(2), e1429.   We've launched a comprehensive online wild turkey course featuring experts across multiple institutions that specialize in habitat management and population management for wild turkeys. Earn up to 20.5 CFE hours! Enroll Now!    Dr. Marcus Lashley @DrDisturbance, Publications Dr. Will Gulsby @dr_will_gulsby, Publications Turkeys for Tomorrow @turkeysfortomorrow  UF Game Lab @ufgamelab, YouTube   Donate to our wild turkey research: UF Turkey Donation Fund , Auburn Turkey Donation Fund    Want to help wild turkey conservation? Please take our quick survey to take part in our research!   Do you have a topic you'd like us to cover? Leave us a review or send us an email at wildturkeyscience@gmail.com!   Watch these podcasts on YouTube   Please help us by taking our (quick) listener survey - Thank you!    Check out the DrDisturbance YouTube channel! DrDisturbance YouTube   Want to help support the podcast? Our friends at Grounded Brand have an option to donate directly to Wild Turkey Science at checkout. Thank you in advance for your support!   Leave a podcast rating for a chance to win free gear!   This podcast is made possible by Turkeys for Tomorrow, a grassroots organization dedicated to the wild turkey. To learn more about TFT, go to turkeysfortomorrow.org.    Music by Artlist.io Produced & edited by Charlotte Nowak  

Join as we explore and critique ChatGPT's answers to why wild turkeys are declining. Submit your prompt to wildturkeyscience@gmail.com!    Our lab is primarily funded by donations. If you would like to help support our work, please donate here: http://UFgive.to/UFGameLab   Resources: Boone, W. W., et al. (2024). Frequent prescribed burns reduce mammalian species richness and occurrence in longleaf pine sandhills. Forest Ecology and Management, 553, 121596.   Boone, W. W., et al. (2024). Robust assessment of associations between weather and eastern wild turkey nest success. The Journal of Wildlife Management, 88(2), e22524.   Lehman, C. P., et al. (2022). Factors influencing rate of decline in a Merriam's wild turkey population. The Journal of Wildlife Management, 86(6), e22240.   Quehl, J. O., et al. (2024). Assessing wild turkey productivity before and after a 14-day delay in the start date of the spring hunting season in Tennessee. Ecology and Evolution, 14, e11390.   Gobbler survival across the south | Ep 67 Turkey disease ecology | Ep 70 We got bug problems | Ep 73 Fly, float, and mate | Ep 83 It's not just turkeys | Ep 135   We've launched a comprehensive online wild turkey course featuring experts across multiple institutions that specialize in habitat management and population management for wild turkeys. Enroll Now!    Dr. Marcus Lashley @DrDisturbance, Publications Dr. Will Gulsby @dr_will_gulsby, Publications Turkeys for Tomorrow @turkeysfortomorrow  UF Game Lab @ufgamelab, YouTube   Donate to our wild turkey research: UF Turkey Donation Fund , Auburn Turkey Donation Fund    Want to help wild turkey conservation? Please take our quick survey to take part in our research!   Do you have a topic you'd like us to cover? Leave us a review or send us an email at wildturkeyscience@gmail.com!   Watch these podcasts on YouTube   Please help us by taking our (quick) listener survey - Thank you!    Check out the DrDisturbance YouTube channel! DrDisturbance YouTube   Want to help support the podcast? Our friends at Grounded Brand have an option to donate directly to Wild Turkey Science at checkout. Thank you in advance for your support!   Leave a podcast rating for a chance to win free gear!   This podcast is made possible by Turkeys for Tomorrow, a grassroots organization dedicated to the wild turkey. To learn more about TFT, go to turkeysfortomorrow.org.    Music by Artlist.io Produced & edited by Charlotte Nowak

Join as we explore and critique ChatGPT's answers to why wild turkeys are declining. Submit your prompt to wildturkeyscience@gmail.com!    Our lab is primarily funded by donations. If you would like to help support our work, please donate here: http://UFgive.to/UFGameLab   Resources: Boone, W. W., et al. (2024). Frequent prescribed burns reduce mammalian species richness and occurrence in longleaf pine sandhills. Forest Ecology and Management, 553, 121596.   Boone, W. W., et al. (2024). Robust assessment of associations between weather and eastern wild turkey nest success. The Journal of Wildlife Management, 88(2), e22524.   Lehman, C. P., et al. (2022). Factors influencing rate of decline in a Merriam's wild turkey population. The Journal of Wildlife Management, 86(6), e22240.   Quehl, J. O., et al. (2024). Assessing wild turkey productivity before and after a 14-day delay in the start date of the spring hunting season in Tennessee. Ecology and Evolution, 14, e11390.   Gobbler survival across the south | Ep 67 Turkey disease ecology | Ep 70 We got bug problems | Ep 73 Fly, float, and mate | Ep 83 It's not just turkeys | Ep 135   We've launched a comprehensive online wild turkey course featuring experts across multiple institutions that specialize in habitat management and population management for wild turkeys. Enroll Now!    Dr. Marcus Lashley @DrDisturbance, Publications Dr. Will Gulsby @dr_will_gulsby, Publications Turkeys for Tomorrow @turkeysfortomorrow  UF Game Lab @ufgamelab, YouTube   Donate to our wild turkey research: UF Turkey Donation Fund , Auburn Turkey Donation Fund    Want to help wild turkey conservation? Please take our quick survey to take part in our research!   Do you have a topic you'd like us to cover? Leave us a review or send us an email at wildturkeyscience@gmail.com!   Watch these podcasts on YouTube   Please help us by taking our (quick) listener survey - Thank you!    Check out the DrDisturbance YouTube channel! DrDisturbance YouTube   Want to help support the podcast? Our friends at Grounded Brand have an option to donate directly to Wild Turkey Science at checkout. Thank you in advance for your support!   Leave a podcast rating for a chance to win free gear!   This podcast is made possible by Turkeys for Tomorrow, a grassroots organization dedicated to the wild turkey. To learn more about TFT, go to turkeysfortomorrow.org.    Music by Artlist.io Produced & edited by Charlotte Nowak  

Rob Carver is back from summer break for a conversation that moves between past and present through the lens of lived experience. Starting with the anniversary of Lehman's collapse, Rob and Niels unpack why strong performance often coexists with poor investor outcomes - and how timing, not strategy, remains the silent killer. They question the recent push into trend by asset management giants, weigh whether CTA underperformance marks a structural shift or a familiar cycle, and examine what the data can and can't tell us when conviction fades. If there's a theme this week, it's simple: knowing what works is not the same as using it well.-----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 Rob on Twitter.Episode TimeStamps: 01:14 - What has been on our radar recently?12:09 - Industry performance update19:23 - Q1, John: What are your recommendations for adapting a continuous forecast-based position sizing for a cash-only portfolio?23:15 - Q2, Absolute: Is short/long symmetry optimal for a strategy in which the price of the traded instruments is measured in units (fiat currencies) that are inflated (devalued)?30:19 - Q3, Lin: Got any ideas for trading a crypto portfolio?32:04 - Why investors are losing money on 42% gain ETFs39:50 - The difference between percentage return and cash return43:24 - Debunking the persistent score card46:19 - How the world has changed for CTAsCopyright © 2025 – CMC AG – All Rights...

In this episode of the Pantry Chat, I sit down with my friend Rory Groves from  @thegrovestead to talk about his family's journey from a tech career in the city to raising six kids on a homestead in Minnesota.Rory's story will resonate with anyone who's ever felt the tug to get out of the rat race and build something lasting with their family. What started with a single tomato plant on a city balcony turned into a thriving homestead of gardens, orchards, and livestock. But more than that, it turned into a way of life intentionally built around faith, family, and meaningful work.Rory is the author of Durable Trades and The Family Economy (links below), books that have encouraged thousands to think differently about how we live, work, and raise our children. In this conversation we dive into:- The slow, steady steps Rory and Becca took toward self-sufficiency- Why it's vital to build rhythms of joy into the homestead for our kids- What “durable trades” really mean and why they matter today- Rory's thoughts on AI, technology, and the need to preserve skills that last- Why homesteading isn't about escaping the world, but preserving something worth passing onCheck out the blog post for links and more information here: https://homesteadingfamily.com/preserving-a-way-of-life-with-rory-groves/Durable Trades: https://homesteadingfamily.com/durable-tradesThe Family Economy: https://homesteadingfamily.com/the-family-economyThis is about more than food or farming—it's about preserving culture, family, and faith for generations to come.Time Stamps:0:00 - Introduction0:49 - Lehman's1:50 - Main Topic~~~~~~~~~~~~~~~~~~~MORE ABOUT US!WELCOME! We're so glad you're here! We are Josh and Carolyn Thomas. Together with our eleven children, we are The Homesteading Family where we're living a self-sustainable life in beautiful North Idaho. Let us welcome you and show you a bit about us here: http://bit.ly/HFWelcomeVideoGrow, Preserve & Thrive with us!Visit us on our blog: https://www.homesteadingfamily.comFacebook at https://www.facebook.com/homesteadingfamilyInstagram: https://instagram.com/homesteadingfamilyRumble: https://rumble.com/HomesteadingFamilyA few highlights you don't want to miss are our FREEBIES!!Healthy Healing at Home – Learn how to confidently use herbal medicine in your home with this FREE 4 video workshop: https://homesteadingfamily.com/HHHytYour Best Loaf – A Free 4 video workshop teaching you how to make great bread at home, every time, regardless of the recipe you are using: https://homesteadingfamily.com/free-bread-workshopMeals on Your Shelf – Can along with me!  Learn to can and put jars of a delicious meal on your pantry shelf with this FREE video series: https://homesteadingfamily.com/MOYS-free-workshopFREE PDF DOWNLOADS:Become a master canner in just a few days with my FREE video series where together we are going to stock your shelves with amazing food the whole family will love.

On this week's episode of Best Ever CRE, John Chang and Matt Faircloth interview each other in a fireside chat style. They unpack the three market drivers John watches most — jobs, demographics and local supply — and why rates matter mainly when the deal hits underwriting rather than for predicting operating performance. Matt explains his pivot toward day-one cash flow, positive leverage and scalability while moving away from C class value add plays. They debate hospitality with Matt favoring flagged limited-service hotels tied to business travel as John flags labor and construction headwinds, then trade war stories on COVID and Lehman that forced forecasts to flip overnight. This is a limited time offer, so head over to aspenfunds.us/bestever to download the investor deck—or grab their quick-start guide if you're brand new to oil and gas investing. Get 50% Off Monarch Money, the all-in-one financial tool at www.monarchmoney.com with code BESTEVER Get a 4-week trial, free postage, and a digital scale at ⁠https://www.stamps.com/cre⁠. Thanks to Stamps.com for sponsoring the show! Join the Best Ever Community  The Best Ever Community is live and growing - and we want serious commercial real estate investors like you inside. It's free to join, but you must apply and meet the criteria.  Connect with top operators, LPs, GPs, and more, get real insights, and be part of a curated network built to help you grow. Apply now at ⁠www.bestevercommunity.com⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices