Podcasts about Lower

Nick Valdez looks at the CRASH of Bitcoin. Where are we heading? Is this the bottom? How long will this downtrend last? Michael Burry of "The Big Short" fame has a VERY dire warning. Make sure to watch the levels I think we hit next at the end!

Today on Stinchfield, undeniable proof that President Donald Trump has assembled the greatest cabinet in American history. Treasury Secretary Scott Bessent delivered a masterclass before Congress, calmly dismantling Democrat hysteria while laying out a rock solid defense of President Trump’s America First economic agenda. Clear, confident, and in full command of the facts, Bessent showed exactly why Trump’s cabinet stands head and shoulders above anything Washington has seen before. Bessent’s testimony exposed the left’s economic illiteracy and reaffirmed why President Trump’s policies are working. Lower inflation pressure, stronger markets, and a government finally focused on growth instead of globalist fantasies. When Democrats tried to grandstand, Bessent answered with precision and authority, leaving no doubt that the Treasury is in the hands of a serious leader. We also break down President Trump’s powerful remarks at today’s National Prayer Breakfast, where he delivered an unapologetic defense of religious freedom in America. At a time when faith is under constant attack from the radical left, Trump stood firm for believers, churches, and the foundational role faith plays in this nation. We will play highlights from his speech and explain why it matters now more than ever. https://TheMaverickSystem.comhttps://GrantLovesGold.comhttps://www.EnergizedHealth.com/Granthttps://www.PatriotMobile.com/Granthttps://Twc.Health/Grant with code “Grant” for 10% offhttps://VRAInsider.com See omnystudio.com/listener for privacy information.

Annuities are often sold as a simple solution to a complicated retirement problem. Guaranteed income. Protection from market volatility. Peace of mind that your money won't run out. But behind those promises is a much more complex set of trade-offs that many investors don't consider.  Because while annuities can play a role in retirement planning, evaluating them in isolation often leads to unintended consequences (higher fees, reduced flexibility, extra taxes).  So in today's episode, I break down how annuities actually work. We'll walk through the major types of annuities, how "guarantees" are structured, what you're really paying for, and where the risks tend to show up later in retirement. I'll also explain when annuities may make sense, when they don't, and how to evaluate them as part of a coordinated retirement plan so you can make informed decisions with confidence. ***

Faith-based investing has expanded dramatically in recent decades. What began as a niche concept—often misunderstood or difficult to implement—has grown into a global movement driven by conviction, transparency, and a renewed understanding of stewardship. Today, new tools are opening fresh doors for Christians who want their investing to reflect biblical values.Among the most discussed innovations are exchange-traded funds (ETFs), which offer investors greater flexibility and access. To explore the growing opportunity, we spoke with Brian Mumbert, President of Timothy Plan and a long-time pioneer in Faith-Based Investing.From Idea to Movement: The Story Behind Timothy PlanBefore ETFs and portfolio screens were commonplace, Timothy Plan helped shape the language and frameworks believers use today to think about investing.“Back in the early 90s, Timothy Plan was really just an idea,” Mumbert recalls. “In 1994, that idea became a mutual fund aimed to serve non-denominational pastors. Our very first slogan asked, ‘How much is okay to invest in abortion or pornography?' And the answer is simple—none.”The motivation wasn't merely strategic—it was theological. It pushed Christians to wrestle with a deeper question: If God owns it all, how would He want us to invest what He has entrusted to us?Over time, what began as a single fund evolved into a broader conversation about alignment between faith, stewardship, and financial markets. Three decades later, Mumbert describes Faith-Based Investing not merely as a strategy, but as a movement—one that begins “with the heart” and calls believers to steward God's resources rather than treat them as their own.What's Driving the Momentum Today?While conviction hasn't changed, the landscape around investing has. Mumbert points to one factor in particular: information.“When we started, it was incredibly hard to access meaningful information about companies—what they owned, where they profited, or whether their business practices aligned with biblical values,” he explains. Today, the opposite is true. Digital media, public disclosures, and social platforms constantly reveal what companies support and how they operate.That transparency has awakened discernment. Investors are asking new questions: What am I participating in? What am I profiting from? Is there a better alternative?With more options now available—across asset classes and risk profiles—momentum continues to build.ETFs Explained: Why They're Attracting Faith-Based InvestorsAmong the fastest-growing vehicles in the investing world are ETFs—exchange-traded funds. For those less familiar, Mumbert offers a simple explanation:“ETFs hold a basket of investments and trade throughout the day like a stock. They generally offer lower fees, greater transparency, and the ability to buy or sell at any point during the trading day.”Mutual funds remain a valuable entry point for many investors, but ETFs introduce distinctive advantages:Lower average costsPassive, rules-based strategiesReal-time liquidityFull disclosure of holdingsEase of access across platformsAnd most importantly for Faith-Based Investing, greater transparency reinforces values alignment.What Sets Timothy Plan's ETFs Apart?While the vehicle may be new, the convictions behind Timothy Plan's offerings remain unchanged.“Every Timothy Plan product is pro-life and pro-family,” Mumbert emphasizes. “Our ETFs are screened and filtered the same way as our mutual funds. The convictions haven't changed—just the investment vehicle.”Timothy Plan also employs volatility-weighted strategies designed to prevent oversized company exposure, helping reduce the impact of major market corrections.A Growing Opportunity for Purpose-Driven InvestorsThe rise of ETFs represents more than access—it represents maturation within Faith-Based Investing. With stronger tools, better research, and expanding product sets, Christians now have more opportunities than ever to align their portfolios with their values.For Mumbert, that alignment is not merely practical; it's an expression of stewardship.“It's really about how God would have us invest the money He's entrusted to us.”As the ecosystem grows, so does the hope that more investors will embrace that vision—not out of obligation, but out of conviction shaped by faith.If you're exploring how to bring greater alignment between your financial decisions and your values as a follower of Christ, Faith-Based Investing continues to expand with new tools, new research, and more accessible investment vehicles. To learn more about faith-aligned investment strategies, visit TimothyPlan.com to explore their ETFs, mutual funds, and educational resources.On Today's Program, Rob Answers Listener Questions:I'm 60 and living off mutual funds with no income. My expenses are about $2,024 a month, so my savings will run out in about two years. I have health challenges and can't work, and Social Security Disability hasn't been approved yet. I'm looking for affordable housing options and Medicare/health insurance solutions.My wife passed away recently, and she handled all our finances. I haven't paid bills in 25 years and don't have a budget. I'm closing some credit cards, but I'm not sure what to do next or where to turn for help.I'm 66 and considering paying off my mortgage. We can afford the payments, but I could pay them off using less than 10% of my 401(k). Should I do that, or just keep making monthly payments?We can't qualify for Chapter 7 bankruptcy, and we're being sued for a loan tied to a vehicle that died. I'm not sure whether Chapter 13 or debt consolidation makes more sense once you factor in legal fees and total cost.Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Timothy PlanOur Ultimate Treasure: A 21-Day Journey to Faithful StewardshipWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The Democrats have fully embraced the riot culture and opposing legal deportations of those in the United States unlawfully. The deportations by ICE have proven to reduce crime throughout the country and safer streets. Learn more about your ad choices. Visit megaphone.fm/adchoices

Affordability is back in focus in D.C. after the brief U.S. shutdown. Our Deputy Global Head of Research Michael Zezas and Head of Public Policy Research Ariana Salvatore look at some proposals in play.Read more insights from Morgan Stanley.----- Transcript -----Michael Zezas: Welcome to Thoughts on the Market. I'm Michael Zezas, Deputy Global Head of Research for Morgan Stanley. Ariana Salvatore: And I'm Ariana Salvatore, Head of Public Policy Research. Michael Zezas: Today we're discussing the continued focus on affordability, and how to parse signals from the noise on different policy proposals coming out of D.C.It's Wednesday, February 4th at 10am in New York. Ariana Salvatore: President Trump signed a bill yesterday, ending the partial government shutdown that had been in place for the past few days. But affordability is still in focus. It's something that our clients have been asking about a lot. And we might hear more news when the president delivers his State of the Union address on February 24th and possibly delivers his budget proposal, which should be around the same time. So, needless to say, it's still a topic that investors have been asking us about and one that we think warrants a little bit more scrutiny. Michael Zezas: But maybe before we get into how to think about these affordability policies, we should hit on what we're seeing as the real pressure points in the debate. Ariana, you recently did some work with our economists. What were some of your findings? Ariana Salvatore: So, Heather Berger and the rest of our U.S. econ[omics] team highlighted three groups in particular that are feeling more of the affordability crunch, so to speak. That's lower income consumers, younger consumers, and renters or recent home buyers. Lower income households have experienced persistently higher inflation and more recently weaker wage growth. Younger consumers were hit hardest when inflation peaked and are more exposed to higher borrowing costs. And lastly, renters and recent buyers are dealing with much higher shelter burdens that aren't fully captured in standard inflation metrics. Now, the reason I laid all that out is because these are also the cohorts where the president's approval ratings have seen the largest declines. Michael Zezas: Right. And so, it makes sense that those are the groups where the administration might be targeting some of these affordability initiatives. Ariana Salvatore: That's right. But that's not the only variable that they're solving for. Broadly speaking, we think that the president and Republicans in Congress really need to solve for four things when it comes to affordability policies. First, targeting these quote right cohorts, which are those, as we mentioned, that have either moved furthest away from the president politically, or have been the most under pressure. Second feasibility, right? So even if Republicans can agree on certain policies, getting them procedurally through Congress can still be a challenge. Third timing – just because the legislative calendar is so tight ahead of the November elections. And fourth speed of disbursement. So basically, how long it would take these policies to translate to an uplift for consumers ahead of the elections. Michael Zezas: So, thinking through each of these constraints, starting with how easy it might be to actually get some of these policies done, most of the policies that are being proposed on the housing side require congressional approval. In terms of these cohorts, it seems like these policies are most likely to focus on – that seems aimed at lower-income and younger voters. And in terms of timing, we know the legislative calendar is tight ahead of the midterms, and the policy makers want to pursue things that can be enacted quickly and show up for voters as soon as possible. Ariana Salvatore: So, using that lens, we think the most realistic near-term tools are probably mostly executive actions. Think agency directives and potential changes to tariff policy. If we do see a second reconciliation bill emerge, it will probably move more slowly but likely cover some of those housing related tax credit changes. But of course, not all these policies would move the needle in the same way. What do we think matters most from a macro perspective? Michael Zezas: So, what our economists have argued is that the affordability policies being discussed – tax credits subsidies, payment pauses – they could be meaningful at a micro level for targeted households, but for the most part, they don't materially change the macro outlook. The exception might be tariffs; that probably has the broadest and most sustained impact on affordability because it directly affects inflation. Lower tariffs would narrow inflation differentials across cohorts, support real income growth and make it easier for the Fed to cut rates. Ariana Salvatore: Right. And just to add a finer point on that, I think directionally speaking, this is where we've seen the administration moving in recent months. Remember, towards the end of last year, the Trump administration placed an exemption on a lot of agricultural imports. And just the other day, we heard news that the trade deal with India was finalized reducing the overall tariff rate to 18 percent from about 50 percent prior. Michael Zezas: Okay. So, putting it all together for what investors need to know. We see three key takeaways. First, even absent new policy, our economists expect some improvement in affordability this year as inflation decelerates and rate cuts come into view. And specifically, when we talk about improvements in affordability, what our economists are referring to is income growth consistently outpacing inflation, lowering required monthly payments. Second, most proposed affordability policies are unlikely to generate the meaningful macro growth impulse, so investors shouldn't overreact to headline announcements. And third, the cohort divergence matters for equities. Pressure on lower income in younger consumers helps explain why parts of consumer discretionary have lagged. While higher income exposed segments have remained more resilient. So, if inflation continues to cool, especially via tariff relief, that's what would broaden the consumer recovery and potentially create better returns for some of the sectors in the equity markets that have underperformed. Ariana Salvatore: Right, and from the policy side, I would say this probably isn't the last time we'll be talking about affordability. It's politically salient. The policy responses are likely targeted and incremental, and this should continue to remain a top focus for voters heading into November. Michael Zezas: Well, Ariana, thanks for taking the time to talk. Ariana Salvatore: Great speaking with you, Mike. Michael Zezas: And as a reminder, if you enjoy Thoughts on the Market, please take a moment to rate and review us wherever you listen. And share Thoughts on the Market with a friend or colleague today.

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Second Amendment attorney Daniel Schmutter joins Cam to discuss the amicus brief he authored on behalf of the Association of New Jersey Rifle & Pistol Clubs and Gun Owners Action League in U.S. v. Hemani, which addresses the troubling mindset from some courts when it comes to finding historic analogues that support modern day gun regulations.

Is there a cure for fatigue, insomnia, feeling “old”, etc.? Maybe Chris Burres has come close to finding one. He is a research/scientist turned supplement distributor based on ESS60. Once someone starts using it, they can't get enough.  Learn what ESS60 in Chris's supplement MyVitalC is, and how it has helped people and pets feel their best. Watch this Full Video: https://youtu.be/K7uuNbDP8sI Subscribe, Listen to this episode by searching  to your favorite podcast app, “Crooked Spine Show” Watch other podcasts on YouTube playlist: https://www.youtube.com/playlist?list=PL59D-oy3Ai9fIzpOo6Gx4pCat6gsr0j8D Questions answered— -What is oxidative stress? And what are the short and long term effects on the body? -How do antioxidants help get us and keep us well? -What is carbon 60? -How did it lead you to create ESS60®? How is it different? -How did you change from a scientist/researcher to a supplement distributor? -Why do you put ESS60 in olive oil to make your supplement, MyVitalC? -How does VitalC work to increase the body's ability to heal? -How does it improve sleep? Lower physical stress? -Overall, how does MyVitalC improve one's longevity? -Do you need to change your lifestyle (exercise, diet, etc.) to see the benefits of VitalC? -I see VitalC is used by pets? What improvements have occurred? -Is there anything else you wanted my audience to know? -What is a good takeaway? Why should people take VitalC, or other antioxidants? For $15 your first order. https://www.muyvitalc.com/crookedspine And connect with Chris Burris and his company— https://www.myvitalc.com/ and Social Media Coordinates: https://www.instagram.com/myvitalc/ https://www.facebook.com/myvitalc https://www.tiktok.com/@myvitalc https://www.youtube.com/@MyVitalC/videos https://www.linkedin.com/in/chrisburres And get Chris’s book– https://www.amazon.com/Live-Longer-Better-Journey-Achievable/dp/B0CFCPVVH3

This week we talk about the European Union, India, and tariffs.We also discuss trade barriers, free trade, and dumping.Recommended Book: The Kill Chain by Christian BroseTranscriptA free trade agreement, sometimes called a free trade treaty, is a law that reduces the cost and regulatory burden of trading between two or more states.There are many theories as to the ideal way to do international trade, with some economists and politicians positing that complete free and open trade is the way to go, because it allows goods and services to cross borders completely unencumbered, which in turn allows businesses in different countries to really lean into whatever they're good at, selling their cars to countries that are less good at making cars, while that recipient country produces soy beans or computer chips or whatever they're good at making, and sending those in the other direction, likewise unburdened by stiff tariffs or regulatory hurdles. Each country can thus produce the best product cheapest and sell it to the market where their products are in high-demand, while they, in turn, benefit from the same when it comes to other products and services.This theory leans on the idea that everyone is better off when everyone does what they're best at, rather than trying to do everything—specialization. But those who oppose this conception of international trade argue that this creates and reinforces asymmetries between different nations and businesses: a country that's really good at producing soybeans may be at a substantial disadvantage if the country that makes cars ever decides to go to war, because they won't have the existing infrastructure to build tanks or drones or whatever else, while the country that specializes in computer chips might hold all the cards when it comes to generating economic pressure against its enemies or would-be enemies, because such chips are in everything these days, from military hardware to kitchen appliances.This also creates potential frailties for countries that specialize in, say, buggy whips, only to have a new technology like the automobile come around and put a significant chunk of their total economy out of business.This theory may also leave local businesses that don't lean into a regional strength kind of in the lurch. If a country with a decent-sized automobile industry decides leaves their borders completely open to international competition, there's a chance that could light a fire under those local producers, forcing them to become more competitive, but there's also a chance it could collapse the market for local offerings—their cars might no longer be desirable, because the international stuff flooding across the borders from a nation that has heavily prioritized making cars are just so much better and cheaper, whether naturally or artificially, because of subsidies by that foreign government meant to help them take out international competition.This is why most nations have all sorts of tariffs, regulations, and other trade barriers erected between them and their trading partners, and why those trade barriers are ultra-specific, different for every single possible trade partner. The goal is to make international options less appealing by making them more expensive, or making it trickier for foreign competition to smoothly and quickly get their products on your shelves, while still making those things available in a volume that aligns with local consumer demands. And then ideally making it easier and cheaper for your stuff to get on their shelves.The negotiation of all this is massively complicated because Country A might want to favor their soybean farmers, who are an important voting bloc, and Country B might want to do the same for their car industry, because tax income from that industry is vital, and these two governments will thus do what they can to ensure their favored local industries and businesses have the biggest leg-up possible in as many foreign markets as possible, without giving away so much to their trade partners that they create worse situations for other industries and businesses (and the people who run them) on the home-front, as a consequence.What I'd like to talk about today is a recent, massive and potentially quite vital trade deal that was struck in early 2026, and what it might mean for global trade.—At the tail-end of January 2026, the European Commission announced that they had struck what they called “the mother of all deals” with India, this deal the culmination of two decades worth of negotiation, its tenets impacting about 2 billion people and around a quarter of the world's total GDP.The agreement, as is the case with most such agreements, is fairly complex. But in essence it reduces or eliminates tariffs on 96.6% of all EU goods exported to India, which means about 4 billion euros of annual duties that would have otherwise been paid on European products in India will disappear—a savings for Indian consumers, and a boon for European producers whose products will now be cheaper in India.This is expected to be especially beneficial for European automakers like Volkswagen, Renault, and BMW, which have long been weighed down by a 110% tariff in India; that tariff will be reduced to as little as 10% on the first 250,000 vehicles sold, following this agreement. Lower priced vehicles will still face higher tariffs, to help protect India's local carmakers, but electric vehicles will benefit from a five-year grace period, as India has been focusing on allowing as many cheap, renewable energy assets and infrastructure into the country as possible, regardless of where they come from.Tariffs on machinery, chemicals, and pharmaceuticals coming from the EU will be almost entirely eliminated, down from tariff rates of 44, 22, and 11%, respectively. Wine, which has long been tariffed at a rate of 150%, will be cut to between 20-30% for many varieties, and spirits from the EU coming into India will see 150% tariffs cut to 40%.On the other side of this deal, the EU will also open its market to Indian goods, reducing tariffs on about 99.5% of all such goods, including seafood, textiles, gems and jewelry, leather goods, plastic products, and toys. Several of these categories, like Indian seafood, textile-making, and other labor-intensive industries, have had a rough time of late, because of high US tariffs enforced by President Trump's second administration, so this is being seen as a significant win for them in particular.Interestingly, while the reduction in trade barriers is substantial here, and the number of people and industries, and amount of money that's involved is massive, this deal doesn't include, and in some cases explicitly excludes, any agreements related to labor rights, climate commitment, or environmental standards.This means that while the European Union has thus far been pretty strict in terms of ensuring incoming products align with their policies and values regarding things like carbon emissions and ensuring goods aren't produced by people laboring in slave-like conditions, this deal falls short of such enforcements, allowing India to operate with relative impunity, with regards to those issues, at least, and still sell with dramatically reduced barriers, on the European market. That's a big deal, and is perhaps the biggest indicator of just how badly the EU wanted to make this deal work.The EU was also able to keep significant protections in place for important local sectors like beef and chicken, dairy, rice, and sugar—all industries in which India would have liked to compete in the EU, but which, because of those maintained barriers, they practically can't. That would likely have been a feverishly negotiated topic, and it's likely an indicator of how much India wanted this to work, too.On that note, both India and the EU were apparently especially interested in making this multi-decade deal work, now, because of increasing pressure from China on one side and the US on the other.China has been rerouting many of its cheap products that would have previously gone to the US market, elsewhere, engaging in what's often called ‘dumping' which slowly but surely puts businesses that produce comparable products at a profit in those local target markets out of business, at which point these Chinese companies can then ratchet up their prices and profits, operating without real competition.The EU and India have both been targeted by Chinese companies taking this approach, because they're still producing at a feverish pace and because of US tariffs and the general unpredictability and irregularity of US policy overall under the second Trump administration, they've been firing that cheap product cannon more intensely at other large markets, instead—and India and the EU are the next two big markets in line right now, after the US and China.On the US side of things, those same tariffs have been hurting companies in both the EU and India that would otherwise been shipping their goods to the rich and spendy US market, and in many cases these tariffs have been fine-tuned to hurt important local industries as much as possible, because that's one of Trump's main negotiating tactics: lead with pain and then negotiate to take some of the pain away.This deal, then, serves multiple purposes in that it creates a valuable, newly polished trade relationship between a rich and powerful existing bloc and the newly most-populous country on the planet, which is also rapidly expanding economically and geopolitically.One last point to note, here, though, is that the European Union has been trying to create these sorts of mutually beneficial deals with non-US partners for a while, now, and the two most recent wins, trade deals with a South American trade bloc and with Indonesia, in early January 2026 and in September of 2025, respectively, have borne mixed results.The deal with Indonesia seems to be moving forward apace, and while it's a heck of a lot smaller than the India deal, only worth about 27 billion euros, that's still important, as Indonesia is increasingly important, both economically and geopolitically, especially in a Southeast Asia that's slowly reinforcing itself against China's economically and potentially militarily expansionist tendencies.The deal with that South American bloc, however, was referred to the EU Court of Justice in mid-January for legal review due to its lack of alignment with other EU treaties, and that could delay or prevent its ratification.This new mother of all deals with India could likewise face holdups, or could fizzle before being implemented—though most analysts who are keeping eyes on this are seeing it not just as an economic agreement, but a gesture of solidarity at a moment in which China and the US are signaling their intent to carve up the world into hemispheric hegemonies, when those who might otherwise be forced into subordinate positions are scrambling to figure out who they can team up with and create counter-balancing forces capable of standing up against current and future aggression and coercion.There's a chance that even if politics and propriety threaten to get in the way, then, India and the EU will figure out a way to work together, on this and potentially other matters of global import, as well.Show Noteshttps://www.theguardian.com/business/2026/jan/27/eu-and-india-sign-free-trade-agreementhttps://www.reuters.com/sustainability/climate-energy/eu-india-trade-deal-leaves-blocs-carbon-border-tariff-intact-2026-01-27/https://archive.is/20260127162349/https://www.ft.com/content/b03b1344-7e92-4d0d-b85e-5ed92fc8f550https://en.wikipedia.org/wiki/Free_trade_agreementhttps://en.wikipedia.org/wiki/Trade_barrierhttps://ec.europa.eu/commission/presscorner/detail/en/ip_26_184https://ec.europa.eu/commission/presscorner/api/files/document/print/en/ip_26_184/IP_26_184_EN.pdfhttps://www.ndtv.com/world-news/how-indias-mother-of-all-deals-with-eu-wipes-out-pakistans-trade-advantage-10921011https://theconversation.com/what-the-mother-of-all-deals-between-india-and-the-eu-means-for-global-trade-274515https://cepr.org/voxeu/columns/economic-impact-us-tariff-hikes-significance-trade-diversion-effectshttps://www.europarl.europa.eu/news/en/press-room/20260116IPR32450/eu-mercosur-meps-demand-a-legal-opinion-on-its-conformity-with-the-eu-treatieshttps://www.aljazeera.com/economy/2026/1/27/mother-of-all-deals-how-india-eu-trade-deal-creates-27-trillion-markethttps://www.cnbc.com/2026/01/27/trump-reaction-eu-india-trade-deal-fta.htmlhttps://www.atlanticcouncil.org/content-series/inflection-points/the-mother-of-all-trade-deals-in-the-time-of-trump/https://economictimes.indiatimes.com/news/economy/foreign-trade/with-mother-of-all-deals-in-bag-minister-piyush-goyal-says-mother-will-be-compassionate-fair-to-all-28-children/articleshow/127821015.cmshttps://en.wikipedia.org/wiki/India%E2%80%93European_Union_Free_Trade_Agreementhttps://en.wikipedia.org/wiki/India%E2%80%93European_Union_relations This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit letsknowthings.substack.com/subscribe

For sole proprietors and self-employed professionals, taxes can feel confusing, time-consuming, and easy to get wrong. What counts as a deduction? How do you save money on your taxes? And how do you stay organized when you're doing everything yourself? In this episode, CPA and tax expert with TurboTax, Lisa Greene-Lewis breaks down how solo business owners can make taxes simpler, smarter, and less stressful. We talk about common mistakes new business owners make, overlooked opportunities to save money, what they need to know for the upcoming season, and how the right tools and systems can help you stay focused on growing your business—not wrestling with paperwork. With the business tax filing deadlines are approaching quickly, with many returns due March 16, 2026, understanding what has changed and acting on it with the right guidance may be one of the most practical decisions a solopreneur makes this year. Learn more about filing your taxes with Intuit TurboTax, visit https://turbotax.intuit.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Hour 3 - Ken, Coco, Curtis and Scheim react to the news that Robert Kraft will not be entering the Hall of Fame. Why is the Hall of Fame holding a grudge and will Brady get snubbed?

In this episode of The Distribution, Brandon Sedloff sits down with Lara Banks to explore her investing career and her long tenure at Makena Capital. Lara shares how her early background in energy, quantitative trading, and project finance shaped her perspective as an allocator, and how her role evolved as Makena expanded its private equity and venture platform. The conversation dives into Makena's origins, its approach to serving endowments, foundations, and families, and how the firm balances innovation, customization, and disciplined portfolio construction in private markets. Together, they also discuss how talent, alignment, and long-term thinking drive Makena's approach to manager selection and capital deployment across cycles. They discuss: Lara's career path from energy and quantitative trading to leading private equity and venture investing at Makena Makena Capital's evolution from a Stanford endowment model to evergreen private equity and venture vehicles The firm's focus on emerging managers, independent sponsors, and people-driven investing How Makena manages liquidity, pacing, and secondaries within evergreen private market portfolios Current themes in private equity and venture, including AI, energy infrastructure, and biotech inflection points Links: Lara on LinkedIn - https://www.linkedin.com/in/lara-banks-4216a69/ Makena Capital - https://www.makenacap.com/ Brandon on LinkedIn - ⁠https://www.linkedin.com/in/bsedloff/⁠ Juniper Square - ⁠https://www.junipersquare.com/⁠ Topics: (00:00:00) - Intro (00:02:21) - Lara's career journey (00:08:06) - Leadership evolution at Makena Capital (00:12:34) - Makena Capital's structure and customization (00:17:48) - Role of an OCIO and client interaction (00:20:39) - Focus on emerging managers and investment strategies (00:27:49) - Private equity and venture capital insights (00:34:51) - Managing liquidity in private markets (00:40:37) - Trends and opportunities in venture capital (00:47:06) - Conclusion and final thoughts

Jessica Pierce and Mark Bekoff focus on physical evolution, predicting short-snouted dogs will disappear while longer snouts prevail for better breathing, smaller dogs may survive better due to lower caloric demands, and coat colors will adapt toward reddish camouflage hues.1658 FOUR SPRINGERS HUNTING

In this solo episode, Michael Blank breaks down what really happened in multifamily during 2025 and what investors should expect in 2026. He unpacks supply and demand trends, rent growth, interest rate expectations, and the affordability crisis shaping renter behavior. While the last few years have been challenging, Michael explains why 2026 is likely a year of stability that sets the stage for long-term growth—and why today's risk-adjusted returns may be better than they've been in years.Key Takeaways2025 was a year of absorption, not growth — record demand was offset by an unprecedented wave of new supply, keeping rents flat to down. New construction is falling sharply, with permits dropping and high interest rates making most projects uneconomical. Affordability favors renting, as buying a home now costs significantly more than renting, supporting long-term rental demand. 2026 consensus outlook is stability with modest rent growth, likely around 2%, setting up normalized growth in 2027 and beyond. Interest rates are expected to be flat to slightly down, a meaningful shift from the uncertainty of the past three years. Lower leverage and better pricing improve risk-adjusted returns, making today's environment healthier than the frothy market of 2021–2022Connect with MichaelFacebookInstagramYouTubeTikTokResourcesTheFreedomPodcast.com Access the #1 FREE Apartment Investing Course (Apartments 101)Schedule a Free Strategy Session with Michael's Team of AdvisorsExplore Michael's Mentoring ProgramJoin the Nighthawk Equity Investor ClubReview the Podcast on Apple PodcastsSyndicated Deal AnalyzerGet the Book, Financial Freedom with Real Estate Investing by Michael Blank For full episode show notes visit: https://themichaelblank.com/podcasts/session509/

with Michael O'Neal & Mircea Morariu Winter pickleball isn't just “pickleball but colder.” The ball plays faster and harder, touch shots behave differently, and the injury risk spikes if you warm up like it's July. In this episode, Michael O'Neal and Mircea Morariu break down the practical adjustments that help you stay loose, keep the ball in, and win more points when temperatures drop. Why staying warm directly reduces mistakes and injury risk Hands are everything: glove vs no glove, grip tweaks, and maintaining dexterity Layering that works for movement: base layer (compression or Under Armour style) insulation (fleece) optional shell for wind the underrated puffy vest for pickleball Hats and headbands for heat retention Why your warm-up should be 2–3x longer in cold weather Off-court warmups: bike, jumping jacks, jump rope On-court dynamic warmups: lateral shuffles, staying low Keeping blood flowing between points (the “bounce” habit used by top pros) Why cold weather injuries are more common—especially over age 40 Plastic stiffens → ball feels harder Less dwell time → less spin and control Ball flies faster with less resistance Bounce becomes less predictable Expect balls to crack more (especially outdoor balls like Dura and Franklin X-40) Shorten your backswing More compact strokes Choke up on the paddle for better touch Expect weird timing on volleys, dinks, and resets Use safer, more consistent drop mechanics Drives often beat drops in cold weather Pressure creates more popups than usual Attack knees, thighs, body more than perfect feet Shorter points favor aggressive modern players Reduce sidelines by 15–20% — aim bigger, safer targets Consider standing slightly off the kitchen line for reaction time Hot paddles become even hotter in the cold Softer control paddles can be easier to manage Consider keeping a “winter paddle” in your bag Hand warmers (QB-style) can be a real advantage Stop trying to play “summer pickleball” in winter Expect your touch to feel off Simplify everything Play higher margin shots Give yourself grace — conditions matter Cold weather still dehydrates you Lower blood volume = higher injury risk Hydration keeps tissues elastic and responsive Expect balls to crack more → bring extras Warm up longer, stay warm between points Shorten your swing, reduce power Less spin, more popups Drives and pressure outperform patient grinding Improve margins, aim safer Keep hands warm Hydrate like it's summer Shorter points usually win Cold weather favors players who: simplify stay aggressive warm up properly and adapt instead of fighting conditions Winter pickleball isn't worse — it's just different. And if you adjust, it can absolutely become an edge. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Tactical Living Podcast, hosts Coach Ashlie Walton and Sergeant Clint Walton explore a familiar paradox in first responder life (Amazon Affiliate): you can handle almost anything—until you can't handle that one thing. You manage chaos, trauma, pressure, and responsibility with precision. But there's one issue you keep circling around… avoiding… postponing. And the more capable you are everywhere else, the easier it becomes to ignore the one place you feel stuck. This episode explains why highly competent responders often avoid a single unresolved area—and how addressing it can unlock relief across every part of life.

 S and P 500 rose with investors looking past Bitcoin which dropped below 80,000 for the first time since April, Silver which has more than doubled over the past 12 months then plunged around 30 percent on Friday, More on the next Pints and Portolios on Saturday February 7th from 12 noon to 2pm with EP Wealth Advisors and Partners CFP Travis McEuen and CMT Nathan Rogers as well as Rob Black in Pleasant Hill with exact location given once you register

This podcast is all about the last 4 hours of your day, everyday.   There is so much focus on morning routines. What time you wake up, what you drink, what you journal, what workout you do, what affirmation you say.   But the truth is, your day doesn't start in the morning.  Your day starts the night before.   Most of us begin the day with good energy, good intentions, and some level of clarity. But by the end of the day, we are tired. We are mentally full. We have made hundreds of decisions. We don't have the same motivation, discipline, or emotional capacity.   And that is exactly why the last four hours matter so much.   If there is no system for the end of your day, you default to your phone, wandering around, tinkering in the kitchen, the noise, the chaos, the scrolling, and this low level stress that never really shuts off.   What if instead, you had a plan for the last four hours of your day.   The way you end your day determines how you sleep. How you sleep determines how you wake up. How you wake up determines how you show up. And how you show up determines the quality of your life.   This episode is about designing the last four hours of your day so your life feels calmer, your mornings feel clearer, your relationships feel more connected, and your body and mind actually get the recovery they need.   We are going to walk through how to build a simple last four hours plan, what it should include, and how to follow it even when you're exhausted.   Because stress is not just emotional. It's biological. And protecting your peace is not optional. It's foundational.   So let's talk about how to intentionally design the last four hours of your day and why it might be the most powerful life upgrade you haven't made yet.   Not a productivity plan. Not a hustle harder plan.   A life design plan.   A plan that supports high quality sleep. A plan that prepares tomorrow before it gets here. A plan that builds connection instead of distance. A plan that helps your nervous system come down. A plan that lets you clock out from output and clock into recovery.   Jesse Itzler says that your morning self is counting on your evening self. And I love that because it's true. Your tired self should not be running your life. Your intentional self should be protecting your future self.     ***Why the Last Four Hours Matter   • Energy and willpower are lowest at the end of the day • Without a plan, we drift • Drifting usually leads to scrolling, snacking, low level anxiety, and unfinished mental loops • The last four hours directly affect ◦ Sleep quality ◦ Emotional regulation ◦ Relationship connection ◦ How you wake up • When evenings are chaotic, mornings are reactive • When evenings are intentional, mornings are peaceful     ***The Reframe: This Is Not About Doing More   • This is not about squeezing productivity out of every minute • This is about clocking out from output and shifting into recovery • The last four hours are for ◦ Decompression ◦ Nervous system regulation ◦ Reflection ◦ Connection ◦ Preparation • Jesse Itzler teaches that planning the next day at night removes decision fatigue from the morning • Your tired self should not be making big life decisions • Your clear evening self should be protecting your future self     ***The Core Pillars of a Powerful Last Four Hours   -Preparation for Tomorrow   • Write down tomorrow's plan • Appointments, priorities, and non negotiables • Identify your top three outcomes for the next day • Decide what "a win" looks like before you go to sleep • Lay out clothes, bags, or materials when possible • Jesse Itzler's core idea: when you wake up, you should already know exactly what you're stepping into     -Body and Mind Recovery   • High quality sleep starts long before your head hits the pillow • Evenings should signal safety and shutdown to the nervous system • Examples ◦ Hot bath or shower ◦ Stretching or gentle movement ◦ Skincare or body care rituals ◦ Reading instead of scrolling ◦ Breathwork or prayer • This is where longevity, hormones, mood, and mental clarity are built • Stress is not just emotional. It is biological     -Connection and Presence   • The last four hours are prime time for relationships • Conversation without devices • Time with your kids, partner, or yourself • Unpacking the day • Celebrating wins • Laughing • Being seen and seeing others • This is where emotional safety and closeness are built     -Light Closure and Organization   • Small resets prevent big overwhelm • Ten minutes a night beats weekend purges • Examples ◦ Resetting the kitchen ◦ Tidying a room ◦ Prepping coffee ◦ Organizing a bag • Order in your environment creates order in your mind • You are either setting tomorrow up or stealing from it       ***How to Stay Consistent When You're Tired   • You will not always feel motivated • That is why you need a written plan • The plan becomes your autopilot • On hard nights ◦ Lower the bar, do not quit ◦ Shorten the routine ◦ Protect sleep first ◦ Still plan tomorrow • Consistency beats intensity • Repetition turns effort into identity   It's time to make your list!!   Remember…  ◦ The last four hours are not throwaway time ◦ They are design time ◦ They are recovery time ◦ They are relationship time ◦ They are future building time   It's such a powerful way to enjoy more fulfillment & joy in your life.   CHEERS to your best 4 hours of the day, everyday! 

Thinking Above the Lower Mind with David Hanscom David Hanscom, M.D. is author of, Back in Control: A Surgeon's Roadmap Out of Chronic Pain and Do You Really Need Spine Surgery?: Take Control with a Spine Surgeon's Advice. Dr. Hanscom is an orthopedic complex spinal deformity surgeon who quit his surgical practice in 2019 to focus on teaching people how to break loose from the grip of chronic mental and physical pain – with and without surgery. His insights arose out of escaping from his own 15-year ordeal of suffering with severe chronic pain. As he began to share his approaches with his patients, a predictable sequence of learning evolved. It is reflected in the self-directed action plan that he created, The DOC (Direct your Own Care) Journey. His website is backincontrol.com. David explains how mental and physical pain are not separate. He suggests ways to detach from the ego – that he says are a set of cognitive distortions – to heal from unwanted thoughts, reactivity, and anxiety in the mind and calm the physiology of the body. New Thinking Allowed CoHost, Emmy Vadnais, OTR/L, is a licensed occupational therapist, intuitive healer and coach, and spiritual guide based in St. Paul, Minnesota. Emmy is the founder of the Intuitive Connections and Holistic OT communities. She is the author of Intuitive Development: How to Trust Your Inner Knowing for Guidance With Relationships, Health, and Spirituality. Her website is https://emmyvadnais.com (Recorded on October 20, 2022) For a short video on How to Get the Most From New Thinking Allowed, go to https://youtu.be/aVbfPFGxv9o Check out our new website for the New Thinking Allowed Foundation at http://www.newthinkingallowed.org. There you will find our incredible, searchable database as well as our new, FREE QUARTERLY MAGAZINE. Also, opportunities to shop and to support our video productions. There, you can also subscribe to our FREE, WEEKLY NEWSLETTER! For a complete, updated list with links to all of our videos, see https://newthinkingallowed.com/Listings.html. Check out New Thinking Allowed’s AI chatbot. You can create a free account at https://ai.servicespace.org When you enter the space, you will see that our chatbot is one of several you can interact with. While it is still a work in progress, it has been trained on 1,600 NTA transcripts. It can provide intelligent answers about the contents of our interviews. It’s almost like having a conversation with Jeffrey Mishlove. To buy a high-quality, printed version of the New Thinking Allowed Magazine, go to nta-magazine.magcloud.com. To join the NTA Psi Experience Community on Facebook, see https://www.facebook.com/groups/1953031791426543/. To download and listen to audio versions of the New Thinking Allowed videos, visit our podcast at https://itunes.apple.com/us/podcast/new-thinking-allowed-audio-podcast/id1435178031. Download and read Jeffrey Mishlove’s Grand Prize essay in the Bigelow Institute competition, Beyond the Brain: The Survival of Human Consciousness After Permanent Bodily Death. https://www.bigelowinstitute.org/docs/1st.pdf If you would like to join our team of volunteers, helping to promote the New Thinking Allowed YouTube channel on social media, editing and translating videos, creating short video trailers based on our interviews, helping to upgrade our website, or contributing in other ways (we may not even have thought of), please send an email to friends@newthinkingallowed.com. To order Intuitive Development by Emmy Vadnais, click here: https://amzn.to/35sbLIA. To order Back in Control by David Hanscom, go to: https://amzn.to/3NwixoU To order New Thinking Allowed Dialogues: Is There Life After Death? click on https://amzn.to/3LzLA7Y To order Russell Targ: Ninety Years of ESP, Remote Viewing, and Timeless Awareness, go to https://amzn.to/4aw2iyr To order UFOs and UAP – Are We Really Alone?, go to https://amzn.to/3Y0VOVh

Jon Nelson takes you through three different interviews highlighting lower division clubs around the Southeast. Hear from Huntsville City FC managing director Chad Emerson, new Greenville Triumph head coach Dave Dixon, and Lexington Sporting Club Youth Technical Director Steve Cooke. Check out SDH AM every Monday-Friday on the Soccer Down Here YouTube & Twitch channels.

Blood sugar issues are not caused by sugar alone. In this episode, Ben Azadi explains how mineral deficiencies are a hidden driver behind insulin resistance, prediabetes, and type 2 diabetes. You'll learn the five essential minerals your body needs to regulate blood sugar, improve insulin sensitivity, and support long-term metabolic health. This episode breaks down why medication-focused approaches often miss the root cause and how restoring mineral balance can lead to better glucose control, energy, cravings, and fat loss. What You'll Learn in This EpisodeWhy blood sugar problems are more about mineral deficiency than carbohydratesHow insulin signaling depends on proper mineral availabilityThe connection between gut health and blood sugar spikesWhy modern soil depletion contributes to widespread mineral deficienciesHow minerals act as the communication system of metabolism The 5 Minerals That Help Lower Blood Sugar Fulvic AcidSupports mineral absorption at the cellular level. Improves insulin receptor sensitivity, glucose transport into muscles, pancreatic health, and mitochondrial energy production. Humic AcidSupports gut health by reducing inflammation, improving microbiome balance, and slowing carbohydrate absorption to flatten blood sugar spikes. Trace MineralsChromium, zinc, selenium, and manganese help activate insulin signaling pathways, support insulin production, and reduce insulin resistance. MagnesiumOne of the most commonly deficient minerals in people with insulin resistance. Supports insulin sensitivity, lowers cortisol, reduces cravings, and stabilizes blood sugar. PotassiumAn insulin-sparing electrolyte that improves glucose storage in muscles, balances sodium, lowers cortisol, and reduces insulin overproduction.

Send us a textWhen you first start a podcast, everything feels exciting! But somewhere around six months in, that feeling can change. Recording starts to feel routine. Metrics feel heavier. Deadlines creep in. And podcasting slowly starts to feel more like work than a creative outlet.We are talking honestly about what happens when podcasting stops being fun, and how to bring that joy back without quitting your show.If you've been feeling stuck, uninspired, or just tired of hitting publish, there are small, realistic shifts that make podcasting feel lighter, more creative, and more sustainable.8 Tips to Make Podcasting More FunStop letting metrics decide whether you're enjoying podcasting. Use stats as feedback, not validation.Find the right amount of pressure for you. Too much kills creativity; too little leads to boredom.Lower the bar when you need to. “Good enough” can keep your show alive during busy seasons.Identify what's draining you and streamline or cut it. Not every task is essential.Play with your format instead of trapping yourself in it. You made the rules and you can change them.Bring your personal interests into the show. Fun increases when the work overlaps with what you love.Change your environment to change your energy. Small physical shifts can unlock creativity.Build community so you're not podcasting alone. Connection makes the work feel worth it.Contact Buzzcast Send us a text message Tweet us at @buzzcastpodcast, @albanbrooke, @kfinn, and @JordanPods Thanks for listening and Keep Podcasting!

Hour 1: KU VS BYU, Mahomes Lower in the Top 100, Weird Places You've Slept full 3020 Fri, 30 Jan 2026 14:53:04 +0000 n4Zm9PJkk5iS6R140MJXscNTT4CyhcbR nfl,college basketball,byu,ku,sports Fescoe & Dusty nfl,college basketball,byu,ku,sports Hour 1: KU VS BYU, Mahomes Lower in the Top 100, Weird Places You've Slept Fescoe in the Morning. One guy is a KU grad.   The other is on the KU football broadcast team,  but their loyalty doesn't stop there as these guys  are huge fans of Kansas City sports and the people  of Kansas City who make it the great city it is.   Start your morning with us at 5:58am!   2024 © 2021 Audacy, Inc. Sports False https://player.amp

SummaryIn this episode, Chase and Chris dive deep into why belief in yourself has to come before anything else.You can have the perfect macros, the best workout plan, and all the right tools—but if you don't actually believe you can do it, none of that will matter. They explain how broken promises, unrealistic expectations, and an all-or-nothing mindset slowly chip away at your trust in yourself.You'll learn how to rebuild that belief with small daily wins, why failing isn't the problem (but quitting is), and how to stop waiting to feel ready—and start becoming ready by showing up.If you've ever said, “I always fall off,” or “I just can't stay consistent,” this episode is the wake-up call you didn't know you needed.Chapters(00:00) Why Belief in Yourself Comes First(01:45) How Self-Limiting Beliefs Hold You Back(04:30) The Difference Between Confidence and Belief(07:06) Broken Promises = Broken Progress(09:36) How Failing Can Actually Build Trust(10:06) Why You're Not “All or Nothing”—You Just Don't Trust Yourself(12:47) Lower the Bar to Raise Your Consistency(13:27) Belief Is Built Through Evidence(16:10) Why Smaller Goals Lead to Bigger Results(18:17) The Power of Stupid-Simple Wins(19:30) Personalization Over Perfection(21:11) Shame Spirals and Bouncing Back(23:27) The Role of Resilience in Rebuilding Trust(24:15) Borrow Belief When You Don't Have It(27:53) Progress Without Pressure(29:38) You Have to Get in the Pool(30:03) Taking Ownership vs. Relying on a Coach Forever(32:06) Adapting Your Plan in Messy Seasons(33:42) Build a New Default, Not a New Excuse(35:47) Identity Change Starts With Belief(37:48) Be Realistic, Not Delusional(38:09) Keep the Promises You Actually Make(39:53) The Flip: From Doubtful to UnstoppableSUBMIT YOUR QUESTIONS to be answered on the show:https://forms.gle/B6bpTBDYnDcbUkeD7How to Connect with Us:Chase's Instagram: https://www.instagram.com/changing_chase/Chris' Instagram: https://www.instagram.com/conquer_fitness2021/Facebook Group: https://www.facebook.com/groups/665770984678334/Interested in 1:1 Coaching: https://conquerfitnessandnutrition.com/1on1-coachingJoin The Fit Fam Collective: https://conquerfitnessandnutrition.com/fit-fam-collective

Jesse Montano and Meghan Angley are LIVE after Colorado's second game of a back-to-back set as they traveled to Montreal to take on the Canadiens for the second time this season to close out the season series #ColoradoAvalanche #GoAvsGo #AvsNation #NathanMacKinnon #CaleMakar #GuerillaSports #Hockey #AvalancheHockey #MileHighHockey #AvsFans #Avalanche2025 #Mikko Rantanen #AvsGameDay #NHLHighlights #DenverSports #AvalancheForever #MakarMagic #HockeyInColorado #StanleyCup #NHL This show is brought to you by RefiJet Did you know you could refinance your auto loan? With RefiJet, you could save around $150 a month—all with just a soft credit pull and zero hassle. Lower payments, flexible terms, even cash back from your car's equity. RefiJet does the work, you get the savings. Start today at RefiJet.com! The Faster, Easier way to Refinance

This bonus episode features Caeli Ridge from Ridge Lending Group, breaking down what's happening right now with DSCR loans and why they're getting so much attention from rental property investors.Caeli explains how DSCR loan rates have been coming down and are now very close to Fannie Mae and Freddie Mac rates. We talk about why DSCR loans are often simpler than conventional mortgages, how they qualify based on the deal instead of the investor's personal income, and why that makes them especially attractive for investors.We also discuss how increased competition from DSCR lenders has pushed Fannie and Freddie to lower their down payment requirements. Single-family rental properties now require as little as 15 percent down. Caeli also walks through the documentation needed for conventional loans and what credit scores lenders are looking for.Listen in on a coaching call with Caeli and a client:  https://rentalincomepodcast.com/bonus-tinaContact Caeli:Websiteinfo@ridgelendinggroup.com1-855-747-4343

High blood pressure is the number one risk factor for deaths globally. But what if your blood pressure numbers were only part of that story? In this episode, we're joined by leading cardiologist Dr Sanjay Gupta, who explains why blood pressure is not a disease, but often a scream for help. Together with ZOE's Chief Scientist, Professor Sarah Berry, he explores when blood pressure is a harmless response to stress, food, or movement, and when it signals real, long-term damage. You'll learn why blood pressure targets aren't universal, why worrying can make things worse, and why quality of life matters as much as numbers. This episode also breaks down what you can do to lower your blood pressure. Not quick fixes. Not pills. But everyday lifestyle changes that address the root cause. If your blood pressure is your body sending a message, what might it be asking you to change? Unwrap the truth about your food

Don and Tom examine the long disciplinary history of former broker James Tuberosa and his attempt to reinvent himself as a registered investment advisor through a newly formed firm, highlighting how fiduciary language can be used to mask conflicts driven by insurance commissions. They walk listeners through the importance of reading Form ADV disclosures and explain how regulatory gaps allow questionable practices to continue. The episode reinforces the principle of “buyer beware” before shifting to listener questions on saving for major expenses, evaluating high-fee annuities for elderly retirees, Roth IRA investing for young adults, and the advantages modern investors enjoy from lower costs and better diversification. The show closes with reflections on financial literacy, generational investing improvements, and a preview of RetireMeet 2026. 0:05 Opening and setup: broker misconduct story 0:10 James Tuberosa's career and long record of complaints 1:14 FINRA expulsion and failed expungement lawsuit 2:42 How complaints get quietly “settled” 3:51 Shift from broker to RIA status 4:49 Skyview Pinnacle and the “clean” front 5:48 Using fiduciary language as marketing cover 7:17 Why insurance escapes SEC oversight 8:22 Conflicts disclosed in ADV 9:19 Why disclosures matter 10:47 Warning signs: promises and product pitching 12:01 Weakness of fiduciary protection 13:08 Ethical failures at large firms 14:38 Fiduciary vs. commission contradiction 15:36 Why reading ADVs protects investors 16:17 Transition to listener questions 17:16 Sinking funds: investing vs. saving 18:40 Planning for major home repairs 19:36 Elderly couple and complex annuity 21:01 Risks of high-fee variable annuities 22:36 Best Roth IRA investment for young adults 23:24 Advantages for today's investors 24:58 Lower costs and better diversification today 26:38 Historical perspective on investing access 28:10 Listener engagement and contact info Learn more about your ad choices. Visit megaphone.fm/adchoices

What makes an investment "good?" It seems like a straightforward question, but the answer is more subjective than most people realize.  Recently, my wife asked why I thought real estate was such a BAD investment when others she knows call it the BEST they've ever made.  Hearing it framed that way struck a different chord. And rather than quickly defending my position with data and facts, I found myself reconsidering the question entirely. In today's episode, I share how to evaluate investments in the real world, what separates good investments from bad ones, and why some popular metrics can mislead. If you've ever wondered why an investment looks great paper but doesn't feel right—or why others swear by strategies you'd never touch—this episode will give you a clearer framework for thinking about your own portfolio. ***

The Federal Reserve is holding interest rates steady, keeping policy in a 3.5%–3.75% range. Lance Roberts and Michael Lebowitz examine how markets are reacting to Chair Jerome Powell's message, and break down what the Fed is signaling—and why it could fuel market volatility ahead. 0:00 - INTRO 0:19 - Mega Reports & Fed Fallout 4:31 - Markets Struggle after 7,000 9:33 - Inflation, Truflation, & Labor 14:14 - Chances of Rate Changes Higher or Lower? 16:44 - Current Growth Spurt is Unsustainable 19:10 - No Mention of QT/QE 21:10 - Citadel Securities; Risk-on Indicator 23:14 - Margin Debt is Bullish for Markets 26:13 - Liquidity Shifts & Fed Watching 29:15 - Geopolitics, Mid-term Elections & Potential Gov't Shutdown 31:42 - Why Fed Policy Matters 34:02 - Are We In an AI Bubble 35:53 - Favorite Search Engine Rankings - Then & Now 38:23 - The AI Boom vs the Dot-com Bubble Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manger, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=1vX2vPQQp28 ------- Articles Mentioned in Today's Show: "AI Bubble: History Says Caution Is Warranted" https://realinvestmentadvice.com/resources/blog/ai-bubble-history-says-caution-is-warranted/ ------- Watch our previous show, "Q&A Wednesday, the YouTube Chatroom Free-for-all," here: https://www.youtube.com/watch?v=XLaWDc-IGAw&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- The latest installment of our new feature, Before the Bell, "Markets Stall at 7,000: Breakout or Bull Trap?" is here: https://www.youtube.com/watch?v=meTHta-tC1o&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketOutlook #TechnicalAnalysis #RiskManagement #MarketSpeculation #InvestorDiscipline #FederalReserve #JeromePowell #InterestRates #MarketOutlook #MonetaryPolicy

learn about the ordinal numbers

The Federal Reserve is holding interest rates steady, keeping policy in a 3.5%–3.75% range. Lance Roberts and Michael Lebowitz examine how markets are reacting to Chair Jerome Powell's message, and break down what the Fed is signaling—and why it could fuel market volatility ahead. 0:00 - INTRO 0:19 - Mega Reports & Fed Fallout 4:31 - Markets Struggle after 7,000 9:33 - Inflation, Truflation, & Labor 14:14 - Chances of Rate Changes Higher or Lower? 16:44 - Current Growth Spurt is Unsustainable 19:10 - No Mention of QT/QE 21:10 - Citadel Securities; Risk-on Indicator 23:14 - Margin Debt is Bullish for Markets 26:13 - Liquidity Shifts & Fed Watching 29:15 - Geopolitics, Mid-term Elections & Potential Gov't Shutdown 31:42 - Why Fed Policy Matters 34:02 - Are We In an AI Bubble 35:53 - Favorite Search Engine Rankings - Then & Now 38:23 - The AI Boom vs the Dot-com Bubble Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manger, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=1vX2vPQQp28 ------- Articles Mentioned in Today's Show: "AI Bubble: History Says Caution Is Warranted" https://realinvestmentadvice.com/resources/blog/ai-bubble-history-says-caution-is-warranted/ ------- Watch our previous show, "Q&A Wednesday, the YouTube Chatroom Free-for-all," here: https://www.youtube.com/watch?v=XLaWDc-IGAw&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- The latest installment of our new feature, Before the Bell, "Markets Stall at 7,000: Breakout or Bull Trap?" is here: https://www.youtube.com/watch?v=meTHta-tC1o&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketOutlook #TechnicalAnalysis #RiskManagement #MarketSpeculation #InvestorDiscipline #FederalReserve #JeromePowell #InterestRates #MarketOutlook #MonetaryPolicy

Psychogenic nonepileptic seizures (PNES) are common, often misunderstood, and increasingly encountered in pediatric emergency care. These events closely resemble epileptic seizures but arise from abnormal brain network functioning rather than epileptiform activity. In this episode of PEM Currents, we review the epidemiology, pathophysiology, and clinical features of PNES in children and adolescents, with a practical focus on Emergency Department recognition, diagnostic strategy, and management. Particular emphasis is placed on seizure semiology, avoiding iatrogenic harm, communicating the diagnosis compassionately, and understanding how early identification and referral to cognitive behavioral therapy can dramatically improve long-term outcomes. Learning Objectives Identify key epidemiologic trends, risk factors, and semiological features that help differentiate psychogenic nonepileptic seizures from epileptic seizures in pediatric patients presenting to the Emergency Department. Apply an evidence-based Emergency Department approach to the evaluation and initial management of suspected PNES, including strategies to avoid unnecessary escalation of care and medication exposure. Demonstrate effective, patient- and family-centered communication techniques for explaining the diagnosis of PNES and facilitating timely referral to appropriate outpatient therapy. References Sawchuk T, Buchhalter J, Senft B. Psychogenic Nonepileptic Seizures in Children-Prospective Validation of a Clinical Care Pathway & Risk Factors for Treatment Outcome. Epilepsy & Behavior. 2020;105:106971. (PMID: 32126506) Fredwall M, Terry D, Enciso L, et al. Outcomes of Children and Adolescents 1 Year After Being Seen in a Multidisciplinary Psychogenic Nonepileptic Seizures Clinic. Epilepsia. 2021;62(10):2528-2538. (PMID: 34339046) Sawchuk T, Buchhalter J. Psychogenic Nonepileptic Seizures in Children - Psychological Presentation, Treatment, and Short-Term Outcomes. Epilepsy & Behavior. 2015;52(Pt A):49-56. (PMID: 26409129) Labudda K, Frauenheim M, Miller I, et al. Outcome of CBT-based Multimodal Psychotherapy in Patients With Psychogenic Nonepileptic Seizures: A Prospective Naturalistic Study. Epilepsy & Behavior. 2020;106:107029. (PMID: 32213454) Transcript This transcript was generated using Descript automated transcription software and has been reviewed and edited for accuracy by the episode's author. Edits were limited to correcting names, titles, medical terminology, and transcription errors. The content reflects the original spoken audio and was not substantively altered. Welcome to PEM Currents: The Pediatric Emergency Medicine Podcast. As always, I'm your host, Brad Sobolewski, and today we are talking about psychogenic non-epileptic seizures, or PNES. Now, this is a diagnosis that often creates a lot of uncertainty in the Emergency Department. These episodes can be very scary for families and caregivers and schools. And if we mishandle the diagnosis, it can lead to unnecessary testing, medication exposure, ICU admissions, and long-term harm. This episode's gonna focus on how to recognize PNES in pediatric patients, how we make the diagnosis, what the evidence says about management and outcomes, and how what we do and what we say in the Emergency Department directly affects patients, families, and prognosis. Psychogenic non-epileptic seizures are paroxysmal events that resemble epileptic seizures but occur without epileptiform EEG activity. They're now best understood as a subtype of functional neurological symptom disorder, specifically functional or dissociative seizures. Historically, these events were commonly referred to as pseudo-seizures, and that term still comes up frequently in the ED, in documentation, and sometimes from families themselves. The problem is that pseudo implies false, fake, or voluntary, and that implication is incorrect and harmful. These episodes are real, involuntary, and distressing, even though they're not epileptic. Preferred terminology includes psychogenic non-epileptic seizures, or PNES, functional seizures, or dissociative seizures. And PNES is not a diagnosis of exclusion, and it does not require identification of psychological trauma or psychiatric disease. The diagnosis is based on positive clinical features, ideally supported by video-EEG, and management begins with clear, compassionate communication. The overall incidence of PNES shows a clear increase over time, particularly from the late 1990s through the mid-2010s. This probably reflects improved recognition and access to diagnostic services, though a true increase in occurrence can't be excluded. Comorbidity with epilepsy is really common and clinically important. Fourteen to forty-six percent of pediatric patients with PNES also have epilepsy, which frequently complicates diagnosis and contributes to diagnostic delay. Teenagers account for the highest proportion of patients with PNES, especially 15- to 19-year-olds. Surprisingly, kids under six are about one fourth of all cases, so it's not just teenagers. We often make the diagnosis of PNES in epilepsy monitoring units. So among children undergoing video-EEG, about 15 to 19 percent may ultimately be diagnosed with PNES. And paroxysmal non-epileptic events in tertiary epilepsy monitoring units account for about 15 percent of all monitored patients. Okay, but what is PNES? Well, it's best understood as a disorder of abnormal brain network functioning. It's not structural disease. The core mechanisms at play include altered attention and expectation, impaired integration of motor control and awareness, and dissociation during events. So the patients are not necessarily aware that this is happening. Psychological and psychosocial features are common but not required for diagnosis and may be less prevalent in pediatric populations as compared with adults. So PNES is a brain-based disorder. It's not conscious behavior, it's not malingering, and it's not under voluntary control. Children and adolescents with PNES have much higher rates of psychiatric comorbidities and psychosocial stressors compared to both healthy controls and children with epilepsy alone. Psychiatric disorders are present in about 40 percent of pediatric PNES patients, both before and after the diagnosis. Anxiety is seen in 58 percent, depression in 31 percent, and ADHD in 35 percent. Compared to kids with epilepsy, the risk of psychiatric disorders in PNES is nearly double. Compared to healthy controls, it is up to eight times higher. And there's a distinct somatopsychiatric profile that strongly predicts diagnosis of PNES. This includes multiple medical complaints, psychiatric symptoms, high anxiety sensitivity, and solitary emotional coping. This profile, if you've got all four of them, carries an odds ratio of 15 for PNES. Comorbid epilepsy occurs in 14 to 23 percent of pediatric PNES cases, and it's associated with intellectual disability and prolonged diagnostic delay. And finally, across all demographic strata, anxiety is the most consistent predictor of PNES. Making the diagnosis is really hard. It really depends on a careful history and detailed analysis of the events. There's no single feature that helps us make the diagnosis. So some of the features of the spells or events that have high specificity for PNES include long duration, so typically greater than three minutes, fluctuating or asynchronous limb movements, pelvic thrusting or side-to-side head movements, ictal eye closure, often with resisted eyelid opening, ictal crying or vocalization, recall of ictal events, and rare association with injury. Younger children often present with unresponsiveness. Adolescents more commonly demonstrate prominent motor symptoms. In pediatric cohorts, we most frequently see rhythmic motor activity in about 27 percent, and complex motor movements and dialeptic events in approximately 18 percent each. Features that argue against PNES include sustained cyanosis with hypoxia, true lateral tongue biting, stereotyped events that are identical each time, clear postictal confusion or lethargy, and obviously epileptic EEG changes during the events themselves. Now there are some additional historical and contextual clues that can help us make the diagnosis as well. If the events occur in the presence of others, if they occur during stressful situations, if there are psychosocial stressors or trauma history, a lack of response to antiepileptic drugs, or the absence of postictal confusion, this may suggest PNES. Lower socioeconomic status, Medicaid insurance, homelessness, and substance use are also associated with PNES risk. While some of these features increase suspicion, again, video-EEG remains the diagnostic gold standard. We do not have video-EEG in the ED. But during monitoring, typical events are ideally captured and epileptiform activity is not seen on the EEG recording. Video-EEG is not feasible for every single diagnosis. You can make a probable PNES diagnosis with a very accurate clinical history, a vivid description of the signs and appearance of the events, and reassuring interictal EEG findings. Normal labs and normal imaging do not make the diagnosis. Psychiatric comorbidities are not required. The diagnosis, again, rests on positive clinical features. If the patient can't be placed on video-EEG in a monitoring unit, and if they have an EEG in between events and it's normal, that can be supportive as well. So what if you have a patient with PNES in the Emergency Department? Step one, stabilize airway, breathing, circulation. Take care of the patient in front of you and keep them safe. Use seizure pads and precautions and keep them from falling off the bed or accidentally injuring themselves. A family member or another team member can help with this. Avoid reflexively escalating. If you are witnessing a PNES event in front of you, and if they're protecting their airway, oxygenating, and hemodynamically stable, avoid repeated benzodiazepines. Avoid intubating them unless clearly indicated, and avoid reflexively loading them with antiseizure medications such as levetiracetam or valproic acid. Take a focused history. You've gotta find out if they have a prior epilepsy diagnosis. Have they had EEGs before? What triggered today's event? Do they have a psychiatric history? Does the patient have school stressors or family conflict? And then is there any recent illness or injury? Only order labs and imaging when clinically indicated. EEG is not widely available in the Emergency Department. We definitely shouldn't say things like, “this isn't a real seizure,” or use outdated terms like pseudo-seizure. Don't say it's all psychological, and please do not imply that the patient is faking. If you see a patient and you think it's PNES, you're smart, you're probably right, but don't promise diagnostic certainty at first presentation. Remember, a sizable proportion of these patients actually do have epilepsy, and referring them to neurology and getting definitive testing can really help clarify the diagnosis. Communication errors, especially early on, worsen outcomes. One of the most difficult things is actually explaining what's going on to families and caregivers. So here's a suggestion. You could say something like: “What your child is experiencing looks like a seizure, but it's not caused by abnormal electrical activity in the brain. Instead, it's what we call a functional seizure, where the brain temporarily loses control of movement and awareness. These episodes are real and involuntary. The good news is that this condition is treatable, especially when we address it early.” The core treatment of PNES is CBT-based psychotherapy, or cognitive behavioral therapy. That's the standard of care. Typical treatment involves 12 to 14 sessions focused on identifying triggers, modifying maladaptive cognitions, and building coping strategies. Almost two thirds of patients achieve full remission with treatment. About a quarter achieve partial remission. Combined improvement rates reach up to 90 percent at 12 months. Additional issues that neurologists, psychologists, and psychiatrists often face include safe tapering of antiseizure medications when epilepsy has been excluded, treatment of comorbid anxiety or depression, coordinating care between neurology and mental health professionals, and providing education for schools on event management. Schools often witness these events and call prehospital professionals who want to keep patients safe. Benzodiazepines are sometimes given, exposing patients to additional risk. This requires health system-level and outpatient collaboration. Overall, early diagnosis and treatment of PNES is critical. Connection to counseling within one month of diagnosis is the strongest predictor of remission. PNES duration longer than 12 months before treatment significantly reduces the likelihood of remission. Video-EEG confirmation alone does not predict positive outcomes. Not every patient needs admission to a video-EEG unit. Quality of communication and speed of treatment, especially CBT-based therapy, matter the most. Overall, the prognosis for most patients with PNES is actually quite favorable. There are sustained reductions in events along with improvements in mental health comorbidities. Quality of life and psychosocial functioning improve, and patients use healthcare services less frequently. So here are some take-home points about psychogenic non-epileptic seizures, or PNES. Pseudo-seizure and similar terms are outdated and misleading. Do not use them. PNES are real, involuntary, brain-based events. Diagnosis relies on positive clinical features, what the events look like and when they happen, not normal lab tests or CT scans. Early recognition and diagnosis, and rapid referral to cognitive behavioral therapy, change patients' lives. If you suspect PNES, get neurology and mental health professionals involved as soon as possible. Alright, that's all I've got for this episode. I hope you found it educational. Having seen these events many times over the years, I recognize how scary they can be for families, schools, and our prehospital colleagues. It's up to us to think in advance about how we're going to talk to patients and families and develop strategies to help children who are suffering from PNES events. If you've got feedback about this episode, send it my way. Likewise, like, rate, and review, as my teenagers would say, and share this episode with a colleague if you think it would be beneficial. For PEM Currents: The Pediatric Emergency Medicine Podcast, this has been Brad Sobolewski. See you next time.

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Hour 3 with Bob Pompeani and Joe Starkey: Garrett Nussmeier told Steelers Depot that he would love to play for Mike McCarthy. His dad Doug Nussmeier is good friends with McCarthy. What is going to happen with Mason Rudolph? Pitt is reducing capacity by 17,000 seats at Acrisure Stadium. Content creator Frank Michael Smith joined the show. Frank likes the Mike McCarthy hiring.

- Tesla Scraps Model S and X - Tesla's Profit Plummets 46% - Tesla to Build Own Chips Amid Geopolitical Risk - EV Battery Degradation Lower Than Expected - VW Launches New SDV Architecture in China - U.S. Tariffs Cost Hyundai and Kia Billions - Toyota #1 Automaker Again - China's Chery Eyes Underused JLR Plants - Xiaomi 1st Chinese Brand in Gran Turismo

From Wall Street to Main Street, the latest on the markets and what it means for your money. Updated regularly on weekdays, featuring CNBC expert analysis and sound from top business newsmakers. Anchored and reported by CNBC's Jessica Ettinger. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

From Wall Street to Main Street, the latest on the markets and what it means for your money. Updated regularly on weekdays, featuring CNBC expert analysis and sound from top business newsmakers. Anchored and reported by CNBC's Jessica Ettinger. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Happy First Friday Edition of the Program!! Ries got stuck in Charlotte so JP is back. The Hall of Fame has become the Hall of Shame. The Ohio State Football Schedule was released we break it down. We'll also look at some of the winners and losers in the Big Ten. Nike has made a move that seems desperate and they are better than that. We got Breaking News that the Cleveland Browns are hiring Todd Monken as their new Head Coach. We will discuss that. ESPN's Jake Trotter, Shelley Time with Jody Shelley, What's up, Higher or Lower, Thing or Not a Thing, #HeyGuys, Your Officially Endorsed and 3 Things

Rural electric co-op members should use this new toolkit to swap coal debt for clean, affordable energy.| Show page available: https://ilsr.org/article/energy-democracy/rural-electric-coop-toolkit-ler263/| Listen to all of our Local Energy Rules podcast episodes at our site: https://ilsr.org/energy/local-energy-rules-podcast/ | Don't forget to subscribe, share with your friends, leave a recommendation on our podcast feeds, and join the conversation […]

Plus: Micron will invest $24 billion in Singapore to boost chip production. And Pinterest to cut 15% of workforce. Julie Chang hosts. Learn more about your ad choices. Visit megaphone.fm/adchoices

On today's episode, Editor in Chief Sarah Wheeler talks with Lead Analyst Logan Mohtashami about housing demand and what to expect for Fed week. Related to this episode: Lower mortgage rates boosting demand early in 2026 HousingWire | YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ More info about HousingWire To learn more about Trust & Will click here. The HousingWire Daily podcast brings the full picture of the most compelling stories in the housing market reported across HousingWire. Each morning, listen to editor in chief Sarah Wheeler talk to leading industry voices and get a deeper look behind the scenes of the top mortgage and real estate.

Klaus Peterson is a founding partner at Apera Asset Management, based in Munich. Apera is a lower mid-market private debt investor that provides financing solutions to European SMEs and asset management services to investors. Apera focuses on the DACH region, the United Kingdom, the Nordic countries, France and Benelux.Apera is part of Franklin Templeton a global investment management organization with $1.5 trillion assets under management. Our conversation starts with Klaus's journey into finance and his early start as a lawyer, before he finally discovered private credit via a route of private equity. We then turn to the focus on Apera's business, which is in the lower middle market and stress the difference between this size of issuer and the larger issuers which tend to occupy private credit headlines. We move through some case studies - the good, the bad and the ugly - and Klaus shares how he learned to focus on the detail, to kick the tires, and emphasizes the importance of understanding investments and questioning assumptions, sharing a lesson learned from a printing business investment.We discuss some of the challenges facing private credit as it continues to grow in size, and then focus in particular on the German market, examining the risk profile of most institutional investors and their expectations when it comes to their credit portfolioslOverall, this is a unique deep dive into a niche area of credit investing that is often overlooked in the sweeping generalizations made about the mainstream credit markets. This podcast is kindly sponsored by Evanston Capital and Alvine Capital. For over 20 years Evanston Capital has had a key focus in identifying early-stage investment managers it believes are capable of generating long-term, value-added returns in complex, innovative strategy areas. Alvine Capital is a specialist investment manager and placement boutique with a particular focus on alternative assets with significant presence in London and Stockholm

1/26/2026 PODCAST Episodes #2272 - #2274 GUESTS: Dave Brat, Carla Sands, Dr. Ben Tapper, Dr. Mehmet Oz, Dalia Al-Aqidi, Sen. Doug Mastriano, Paul Teller + YOUR CALLS! at 1-888-480-JOHN (5646) and GETTR Live! @jfradioshow #GodzillaOfTruth #TruckingTheTruth   Want more of today's show? Episode #2272 Carla Sands Says Danes Can't Defend Greenland; Invoke The Insurrection Act Now Episode #2273 Trump RX Poised To Dramatically Lower Drug Prices For all Americans Episode #2274 Nation On The Brink   https://johnfredericksradio.libsyn.com/

There's nothing like a surprise utility bill to humble your whole household. If you've ever stared at a bill wondering ‘how?!' well, let's talk about it. This week on the rich & REGULAR podcast, we're breaking down emotional manipulation, confusing rate plans, and overlooked hacks that are costing you real money on your gas, electric, and water bills.This isn't about living in the dark or taking cold showers. It's about paying attention, asking better questions, and taking back control. Whether you're a homeowner or renter, there's something in here for you.In this episode:How utility companies nudge you toward the wrong planThe fixed vs. variable rate trapWhy you should talk about your bills with your friends and neighbors Why “peace of mind” plans cost more than you thinkWhat to check on your water bill that most people ignoreA free calendar hack that can save you $100s a year Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

Ryan brings on Jordan and Whitney, from The Mouse Minutes Podcast, to join Alex and Chris in Alex vs Chris 4. A new game is played, High or Low, where a teammate is trying to guess the price for expensive Disney memorabilia, while their teammate can only respond with higher or lower. Can Alex finally get a win??Check out Jordan and Whitney on the Mouse Minutes PodcastMouse Minutes Podcast | Instagram, Facebook, TikTok | LinktreeFor more Dizneyverse, head over to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Dizneyverse.com⁠⁠⁠⁠ or check us out on Instagram @Dizneyverse ⁠⁠⁠⁠⁠⁠⁠⁠⁠Check out our shirts on our Tee Public store. T-Shirts by Into the Dizneyverse | TeePublic

In this episode, Ben Azadi shares a surprising 30-day experiment where he ate a small amount of raw honey before bed and tracked its effects on sleep, stress, cravings, energy, and fat loss. Ben explains how chronic low-carb dieting, fasting, or undereating carbohydrates at night can elevate cortisol, disrupt sleep, and stall fat loss, especially for people over 40. He breaks down why raw honey is metabolically different from sugar, highlighting its enzymes, polyphenols, antioxidants, and lower insulin response shown in human studies. You'll learn how low nighttime liver glycogen can trigger cortisol spikes and middle-of-the-night wake-ups, and how a teaspoon to tablespoon of raw honey before bed may support liver glycogen, reduce stress hormones, improve REM and deep sleep, and stabilize mood and energy. Ben shares his exact protocol, week-by-week results, who should avoid or modify this approach, how to choose high-quality raw honey, and whether this strategy affects ketosis. He also answers common questions about insulin, inflammation, fructose, melatonin, and long-term use. This episode reframes honey not as a sugar problem, but as a strategic metabolic tool to improve sleep, reduce stress, and support overall metabolic health.

What if eating the right vegetables could make exercise feel easier while simultaneously lowering your blood pressure? In this episode of The Exam Room Podcast, host Chuck Carroll is joined by metabolic health expert Cyrus Khambatta of Evolution Health to break down the science behind nitrate-rich vegetables and how they dramatically improve blood flow, oxygen delivery, endurance, and recovery. You'll learn how nitrates convert into nitric oxide, why foods like beets, arugula, spinach, and celery outperform supplements, and how simple dietary changes can enhance athletic performance — even if you're not an athlete. We also clear up confusion about nitrates in processed meats, explain why mouthwash can block benefits, and reveal the ideal timing and amounts for maximum results. In this episode, you'll discover: • How nitrates lower blood pressure naturally • Why nitric oxide improves endurance & oxygen efficiency • The best nitrate-rich vegetables to eat daily • How nitrates support mitochondria & cellular energy • When and how much to eat for exercise performance • Why nitrates from vegetables ≠ nitrates from deli meats