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4. Steve Yates critiques China's unsustainable plan to subsidize tech sectors to revive its economy. He highlights the strategic importance of Taiwan's semiconductor industry and its shift away from Mainland market investments.1572 HORMUZ CASTLE

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Cheryl Taylor Anderson. Podcast: Money Making Conversations MasterclassHost: Rushion McDonaldGuest: Cheryl Taylor Anderson, Real Estate Broker (Metro Atlanta) 1. Purpose of the Interview The core purpose of this interview is to educate, empower, and motivate listeners—particularly first‑time homebuyers, renters, veterans, and people of color—to pursue homeownership as a wealth‑building strategy. Specifically, the conversation aims to: Demystify the homebuying process Combat fear and misinformation around mortgages Highlight low‑ and zero‑down payment opportunities Explain how homeowners can build equity faster Emphasize real estate as a key tool for generational wealth Encourage disciplined financial decisions rooted in ownership rather than renting Rushion positions the discussion as a knowledge‑sharing opportunity to help listeners move from renting to owning, especially in communities historically excluded from homeownership. 2. Interview Overview Cheryl Taylor Anderson brings more than 20 years of real estate experience and over $400 million in sales in Metro Atlanta. She works with: First‑time homebuyers VA and military families Move‑up buyers Luxury clients and institutional sellers Throughout the interview, Cheryl provides practical, real‑world examples—including her own story as a former single mother and homeowner—to ease fear, explain financing, and correct misconceptions about buying a home. 3. Key Takeaways A. Many Renters Can Already Afford to Own One of the central points is that many renters are paying as much—or more—than mortgage payments without building equity. Rent payments offer no tax benefits Mortgage payments build ownership and wealth Homeowners can deduct mortgage interest (unlike rent) Key idea: Many people qualify for ownership but are held back by misinformation and fear. B. First‑Time Homebuyers Have More Options Than They Realize Cheryl explains that many buyers are unaware of: Zero‑down payment programs Builder incentives covering closing costs Opportunities to move into homes with minimal out‑of‑pocket costs In some cases, buyers are only required to bring earnest money, making homeownership far more accessible than expected. C. VA and Veteran Benefits Are Underused Cheryl strongly emphasizes VA loans as one of the most powerful tools for homeownership: 100% financing (zero down payment) Ability to ask sellers for up to 6% in closing cost contributions Certain veterans may be exempt from property taxes Lower monthly payments overall Veterans are encouraged to use their benefits, even years after leaving military service. D. A 30‑Year Mortgage Does Not Mean 30 Years of Debt Cheryl reframes mortgage timelines by teaching strategic repayment: Paying bi‑weekly instead of monthly Adding small extra payments ($50–$100/month) Reducing both interest and principal faster She uses her personal example of being close to paying off her home early despite starting with a traditional 30‑year loan. E. Homeownership Builds Stability and Community The interview contrasts renting versus owning: Ownership benefits include: Equity growth Customization and upgrades Neighborhood relationships Security and long‑term stability A tangible asset to pass to children Even HOA‑managed communities—while sometimes frustrating—protect property values and neighborhood standards. F. Home Warranties Reduce Fear of Maintenance To address anxiety about repairs, Cheryl recommends home warranties: Cover major systems (HVAC, water heaters, appliances) Low service fees when repairs are needed Can be negotiated into purchase contracts Provide peace of mind similar to apartment maintenance This is especially helpful for first‑time buyers. G. Social Media Builds Trust and Visibility Cheryl explains how social media strengthens her business: Buyers see real closings, celebrations, and testimonials Creates emotional connection and trust Inspires others to picture themselves as homeowners Visibility drives confidence and referrals. H. Education and Adaptability Drive Longevity Cheryl credits her success through: The 2008 housing crisis COVID‑19 Market shifts to constant learning, flexibility, and strategy pivots (e.g., foreclosures, BPOs, builder incentives). 4. Notable Quotes On Renting vs. Owning “Never be willing to pay somebody more than you’re willing to pay yourself.” On First‑Time Buyer Fear “Don’t let the longevity scare you. In an apartment, you’re building nothing.” On VA Benefits “Veterans can come to the table with zero down—and sometimes no property taxes.” On Mortgage Strategy “Pay every two weeks and it knocks down your interest and principal faster.” On Equity “Rent doesn’t give you anything to leave your children. Homeownership does.” On Homeownership Mindset “People are willing to pay their landlord more than they’ll pay themselves.” 5. Overall Takeaway This interview reinforces homeownership as one of the most powerful, attainable tools for building long‑term wealth—when buyers are properly educated, supported, and encouraged to move past fear and misinformation. Cheryl Taylor Anderson demonstrates that: Buying a home is often more accessible than people believe Strategic mortgage management can drastically shorten debt timelines Ownership builds equity, stability, and generational opportunity #SHMS #BEST #STRAWSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Cheryl Taylor Anderson. Podcast: Money Making Conversations MasterclassHost: Rushion McDonaldGuest: Cheryl Taylor Anderson, Real Estate Broker (Metro Atlanta) 1. Purpose of the Interview The core purpose of this interview is to educate, empower, and motivate listeners—particularly first‑time homebuyers, renters, veterans, and people of color—to pursue homeownership as a wealth‑building strategy. Specifically, the conversation aims to: Demystify the homebuying process Combat fear and misinformation around mortgages Highlight low‑ and zero‑down payment opportunities Explain how homeowners can build equity faster Emphasize real estate as a key tool for generational wealth Encourage disciplined financial decisions rooted in ownership rather than renting Rushion positions the discussion as a knowledge‑sharing opportunity to help listeners move from renting to owning, especially in communities historically excluded from homeownership. 2. Interview Overview Cheryl Taylor Anderson brings more than 20 years of real estate experience and over $400 million in sales in Metro Atlanta. She works with: First‑time homebuyers VA and military families Move‑up buyers Luxury clients and institutional sellers Throughout the interview, Cheryl provides practical, real‑world examples—including her own story as a former single mother and homeowner—to ease fear, explain financing, and correct misconceptions about buying a home. 3. Key Takeaways A. Many Renters Can Already Afford to Own One of the central points is that many renters are paying as much—or more—than mortgage payments without building equity. Rent payments offer no tax benefits Mortgage payments build ownership and wealth Homeowners can deduct mortgage interest (unlike rent) Key idea: Many people qualify for ownership but are held back by misinformation and fear. B. First‑Time Homebuyers Have More Options Than They Realize Cheryl explains that many buyers are unaware of: Zero‑down payment programs Builder incentives covering closing costs Opportunities to move into homes with minimal out‑of‑pocket costs In some cases, buyers are only required to bring earnest money, making homeownership far more accessible than expected. C. VA and Veteran Benefits Are Underused Cheryl strongly emphasizes VA loans as one of the most powerful tools for homeownership: 100% financing (zero down payment) Ability to ask sellers for up to 6% in closing cost contributions Certain veterans may be exempt from property taxes Lower monthly payments overall Veterans are encouraged to use their benefits, even years after leaving military service. D. A 30‑Year Mortgage Does Not Mean 30 Years of Debt Cheryl reframes mortgage timelines by teaching strategic repayment: Paying bi‑weekly instead of monthly Adding small extra payments ($50–$100/month) Reducing both interest and principal faster She uses her personal example of being close to paying off her home early despite starting with a traditional 30‑year loan. E. Homeownership Builds Stability and Community The interview contrasts renting versus owning: Ownership benefits include: Equity growth Customization and upgrades Neighborhood relationships Security and long‑term stability A tangible asset to pass to children Even HOA‑managed communities—while sometimes frustrating—protect property values and neighborhood standards. F. Home Warranties Reduce Fear of Maintenance To address anxiety about repairs, Cheryl recommends home warranties: Cover major systems (HVAC, water heaters, appliances) Low service fees when repairs are needed Can be negotiated into purchase contracts Provide peace of mind similar to apartment maintenance This is especially helpful for first‑time buyers. G. Social Media Builds Trust and Visibility Cheryl explains how social media strengthens her business: Buyers see real closings, celebrations, and testimonials Creates emotional connection and trust Inspires others to picture themselves as homeowners Visibility drives confidence and referrals. H. Education and Adaptability Drive Longevity Cheryl credits her success through: The 2008 housing crisis COVID‑19 Market shifts to constant learning, flexibility, and strategy pivots (e.g., foreclosures, BPOs, builder incentives). 4. Notable Quotes On Renting vs. Owning “Never be willing to pay somebody more than you’re willing to pay yourself.” On First‑Time Buyer Fear “Don’t let the longevity scare you. In an apartment, you’re building nothing.” On VA Benefits “Veterans can come to the table with zero down—and sometimes no property taxes.” On Mortgage Strategy “Pay every two weeks and it knocks down your interest and principal faster.” On Equity “Rent doesn’t give you anything to leave your children. Homeownership does.” On Homeownership Mindset “People are willing to pay their landlord more than they’ll pay themselves.” 5. Overall Takeaway This interview reinforces homeownership as one of the most powerful, attainable tools for building long‑term wealth—when buyers are properly educated, supported, and encouraged to move past fear and misinformation. Cheryl Taylor Anderson demonstrates that: Buying a home is often more accessible than people believe Strategic mortgage management can drastically shorten debt timelines Ownership builds equity, stability, and generational opportunity #SHMS #BEST #STRAWSee omnystudio.com/listener for privacy information.

Value: After Hours is a podcast about value investing, Fintwit, and all things finance and investment by investors Tobias Carlisle, and Jake Taylor. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Soldier of Fortune: Warren Buffett, Sun Tzu and the Ancient Art of Risk-Taking⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ (⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Kindle⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠)We are live every Tuesday at 1.30pm E / 10.30am P.See our latest episodes at https://acquirersmultiple.com/podcastAbout Jake Jake's Twitter: https://twitter.com/farnamjake1Jake's book: The Rebel Allocator https://amzn.to/2sgip3lABOUT THE PODCASTHi, I'm Tobias Carlisle. I launched The Acquirers Podcast to discuss the process of finding undervalued stocks, deep value investing, hedge funds, activism, buyouts, and special situations.We uncover the tactics and strategies for finding good investments, managing risk, dealing with bad luck, and maximizing success.SEE LATEST EPISODEShttps://acquirersmultiple.com/podcast/SEE OUR FREE DEEP VALUE STOCK SCREENER https://acquirersmultiple.com/screener/FOLLOW TOBIASWebsite: https://acquirersmultiple.com/Firm: https://acquirersfunds.com/ Twitter: ttps://twitter.com/GreenbackdLinkedIn: https://www.linkedin.com/in/tobycarlisleFacebook: https://www.facebook.com/tobiascarlisleInstagram: https://www.instagram.com/tobias_carlisleABOUT TOBIAS CARLISLETobias Carlisle is the founder of The Acquirer's Multiple®, and Acquirers Funds®. He is best known as the author of the #1 new release in Amazon's Business and Finance The Acquirer's Multiple: How the Billionaire Contrarians of Deep Value Beat the Market, the Amazon best-sellers Deep Value: Why Activists Investors and Other Contrarians Battle for Control of Losing Corporations (2014) (https://amzn.to/2VwvAGF), Quantitative Value: A Practitioner's Guide to Automating Intelligent Investment and Eliminating Behavioral Errors (2012) (https://amzn.to/2SDDxrN), and Concentrated Investing: Strategies of the World's Greatest Concentrated Value Investors (2016) (https://amzn.to/2SEEjVn). He has extensive experience in investment management, business valuation, public company corporate governance, and corporate law.Prior to founding the forerunner to Acquirers Funds in 2010, Tobias was an analyst at an activist hedge fund, general counsel of a company listed on the Australian Stock Exchange, and a corporate advisory lawyer. As a lawyer specializing in mergers and acquisitions he has advised on transactions across a variety of industries in the United States, the United Kingdom, China, Australia, Singapore, Bermuda, Papua New Guinea, New Zealand, and Guam. He is a graduate of the University of Queensland in Australia with degrees in Law (2001) and Business (Management) (1999).

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Cheryl Taylor Anderson. Podcast: Money Making Conversations MasterclassHost: Rushion McDonaldGuest: Cheryl Taylor Anderson, Real Estate Broker (Metro Atlanta) 1. Purpose of the Interview The core purpose of this interview is to educate, empower, and motivate listeners—particularly first‑time homebuyers, renters, veterans, and people of color—to pursue homeownership as a wealth‑building strategy. Specifically, the conversation aims to: Demystify the homebuying process Combat fear and misinformation around mortgages Highlight low‑ and zero‑down payment opportunities Explain how homeowners can build equity faster Emphasize real estate as a key tool for generational wealth Encourage disciplined financial decisions rooted in ownership rather than renting Rushion positions the discussion as a knowledge‑sharing opportunity to help listeners move from renting to owning, especially in communities historically excluded from homeownership. 2. Interview Overview Cheryl Taylor Anderson brings more than 20 years of real estate experience and over $400 million in sales in Metro Atlanta. She works with: First‑time homebuyers VA and military families Move‑up buyers Luxury clients and institutional sellers Throughout the interview, Cheryl provides practical, real‑world examples—including her own story as a former single mother and homeowner—to ease fear, explain financing, and correct misconceptions about buying a home. 3. Key Takeaways A. Many Renters Can Already Afford to Own One of the central points is that many renters are paying as much—or more—than mortgage payments without building equity. Rent payments offer no tax benefits Mortgage payments build ownership and wealth Homeowners can deduct mortgage interest (unlike rent) Key idea: Many people qualify for ownership but are held back by misinformation and fear. B. First‑Time Homebuyers Have More Options Than They Realize Cheryl explains that many buyers are unaware of: Zero‑down payment programs Builder incentives covering closing costs Opportunities to move into homes with minimal out‑of‑pocket costs In some cases, buyers are only required to bring earnest money, making homeownership far more accessible than expected. C. VA and Veteran Benefits Are Underused Cheryl strongly emphasizes VA loans as one of the most powerful tools for homeownership: 100% financing (zero down payment) Ability to ask sellers for up to 6% in closing cost contributions Certain veterans may be exempt from property taxes Lower monthly payments overall Veterans are encouraged to use their benefits, even years after leaving military service. D. A 30‑Year Mortgage Does Not Mean 30 Years of Debt Cheryl reframes mortgage timelines by teaching strategic repayment: Paying bi‑weekly instead of monthly Adding small extra payments ($50–$100/month) Reducing both interest and principal faster She uses her personal example of being close to paying off her home early despite starting with a traditional 30‑year loan. E. Homeownership Builds Stability and Community The interview contrasts renting versus owning: Ownership benefits include: Equity growth Customization and upgrades Neighborhood relationships Security and long‑term stability A tangible asset to pass to children Even HOA‑managed communities—while sometimes frustrating—protect property values and neighborhood standards. F. Home Warranties Reduce Fear of Maintenance To address anxiety about repairs, Cheryl recommends home warranties: Cover major systems (HVAC, water heaters, appliances) Low service fees when repairs are needed Can be negotiated into purchase contracts Provide peace of mind similar to apartment maintenance This is especially helpful for first‑time buyers. G. Social Media Builds Trust and Visibility Cheryl explains how social media strengthens her business: Buyers see real closings, celebrations, and testimonials Creates emotional connection and trust Inspires others to picture themselves as homeowners Visibility drives confidence and referrals. H. Education and Adaptability Drive Longevity Cheryl credits her success through: The 2008 housing crisis COVID‑19 Market shifts to constant learning, flexibility, and strategy pivots (e.g., foreclosures, BPOs, builder incentives). 4. Notable Quotes On Renting vs. Owning “Never be willing to pay somebody more than you’re willing to pay yourself.” On First‑Time Buyer Fear “Don’t let the longevity scare you. In an apartment, you’re building nothing.” On VA Benefits “Veterans can come to the table with zero down—and sometimes no property taxes.” On Mortgage Strategy “Pay every two weeks and it knocks down your interest and principal faster.” On Equity “Rent doesn’t give you anything to leave your children. Homeownership does.” On Homeownership Mindset “People are willing to pay their landlord more than they’ll pay themselves.” 5. Overall Takeaway This interview reinforces homeownership as one of the most powerful, attainable tools for building long‑term wealth—when buyers are properly educated, supported, and encouraged to move past fear and misinformation. Cheryl Taylor Anderson demonstrates that: Buying a home is often more accessible than people believe Strategic mortgage management can drastically shorten debt timelines Ownership builds equity, stability, and generational opportunity #SHMS #BEST #STRAWSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

In this episode, Diego interviews Megan Neubauer, who transformed her struggling market farm into a $151,000 you-pick operation working just 8 weeks per year by ditching farmers markets and transitioning into a seasonal you-pick farm.  Subscribe for more content on sustainable farming, market farming tips, and business insights!   Get market farming tools, seeds, and supplies at Modern Grower. Follow Modern Grower:  Instagram  Instagram Listen to other podcasts on the Modern Grower Podcast Network:  Carrot Cashflow  Farm Small Farm Smart  Farm Small Farm Smart Daily  The Growing Microgreens Podcast  The Urban Farmer Podcast  The Rookie Farmer Podcast  In Search of Soil Podcast Check out Diego's books:  Sell Everything You Grow on Amazon   Ready Farmer One on Amazon **** Modern Grower and Diego Footer participate in the Amazon Services LLC. Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.  

Our Global Chief Economist Seth Carpenter concludes the two-part discussion with chief regional economists Michael Gapen, Jens Eisenschmidt and Chetan Ahya on the second order effects of the energy shock from tensions in the Middle East.Read more insights from Morgan Stanley.----- Transcript -----Seth Carpenter: Welcome to Thoughts in the Market. I'm Seth Carpenter, Morgan Stanley's Global Chief Economist and Head of Macro Research. And once again, I am joined by Morgan Stanley's chief regional economists: Michael Gapen, Chief U.S. Economist, Chetan Ahya, the Chief Asia Economist, and Jens Eisenschmidt, our Chief Europe Economist. Yesterday we focused on the immediate impact of the Iran conflict, how the energy shock is feeding through into inflation, and, as a result, shaping central bank decisions across the U.S., Europe, and Asia.Today we're going to go a level deeper and talk about some structural issues in the global economy. It's Wednesday, April 15th at 10am in New York. Jens Eisenschmidt: And 3pm in London. Chetan Ahya: And 10pm in Hong Kong. Seth Carpenter: So, even as we're waiting to see whether or not oil prices stabilize following a temporary ceasefire – or not – the broader effects are still working their way through the global economy. Labor markets, supply chains, and then, of course, back to the more longer-term structural themes like AI driven growth. So, the question, I think, has to be: what does this shock mean, if anything, for the next phase of global growth? And does it reshape it? Does it change it, or do we just wait for things to go through? Mike, let me come to you first. One risk that we've been focusing on is whether this kind of shock really changes some of the structural positives in the U.S. economy. The U.S. has been, I would say, outperforming in lots of ways. We've had this AI driven CapEx cycle. We've had rising productivity; we've had strong consumer spending. What are you seeing in the data about those more structural trends? Michael Gapen: I think what we're seeing in the data right now is evidence that oil is not disrupting the positive structural trends in the U.S. I think AI CapEx spending is largely orthogonal to what we've seen so far. It doesn't mean that we can't see negative effects, particularly if oil rises to say $150 a barrel or more where we think you might see significant demand destruction. But with oil where it is right now, I would say the evidence is it will probably weigh on consumption. Gasoline prices are higher. It's going to squeeze lower- and middle-income households that way. But so far, the labor market appears to be holding up. And business spending around CapEx seems to be holding up. And the productivity story remains in place. So right now, I'd say this is more of a break on consumer spending, maybe a modest headwind. But not an outright hard stop. And I think those positive structural elements and AI-related CapEx spending are going to stay with us in 2026. Seth Carpenter: I hear in your answer part of what for me is always the most uncomfortable part of these conversations. Where I have to come back to say, ‘But of course it depends on how things evolve…' Michael Gapen: Of course, It depends… Seth Carpenter: So, then let me push you on AI specifically. You and your team have published a few pieces recently about AI. How AI is affecting the labor market, and maybe some hints as to how AI is likely to affect the labor market. So how should we think about that? Michael Gapen: While it's still too early, I think, to draw firm conclusions, Seth, we do find that there's some evidence that AI is pushing unemployment rates higher in specific occupations that are exposed to task replacement. So, what we did do is we broke down the data by occupation, and it's clear that the unemployment rate has been rising. But that's just a general feature of the economy at this point in time. Over the last 18 to 24 months, the unemployment rate has gone higher. So, what we did is a second-round effort at kind of controlling for cyclicality. And when you control for those, we do find evidence that the unemployment rate for occupations that have high exposure to AI is higher than you would expect, given the cyclical performance of the economy. But the effect is really small. It's maybe about 1/10th on the unemployment rate. So, I don't want to be too Pollyannish and say, ‘Oh, there's no evidence here that AI is disrupting the labor market.' We'd say that there is some evidence there. But, so far, it's mild and it's modest. It's a little more micro than it is macro. So, we'll see how this evolves. But that would be our initial conclusion so far. Seth Carpenter: So, Mike, that's super helpful. When I think about the AI investment cycle, though, I have to come back to Asia because a lot of the AI supply chain is there in Asia, especially with semiconductors and others. But there's lots of supply chain around the world. So, Chetan, if I think about different supply chains, different industries in Asia that are at risk, potentially being disrupted by the current shock, where do you focus? And then take a step further and tell me if you see a risk that there's a structural dislocation going on here in any of these sectors? Chetan Ahya: So, Seth, there are two relevant points here from Asia supply chain perspective, particularly the tech sector. Number one, there are some concerns on the supply side issues in the context of helium and sulfur. But from what we see as of today, these companies who need that helium and sulfur are able to pay up. As you would appreciate, this is a sector which is, you know, making a lot of money for those economies, i.e. Korea and Taiwan. And they are able to bid up on gas prices, sulfur, and helium, and still managing their production lines. So, we don't see a supply constraint as of now for their production, but there will be an implication for them if you do see damage on U.S. growth, which is quite meaningful. At the end of the day, these sectors are deep cyclical sectors. But if you do see that, you know, scenario of $150 of oil price and it brings global economy to near recession, then there will be implication for these companies and sectors in Asia as well. Seth Carpenter: All right, so Jens, let me bring it to you then. Because when I think about Europe, I think about a couple things. One, kind of, the intersection of energy vulnerability now markets pricing in tighter policy, industrial exposure, which has been going on for a long time. Takes us back in lots of ways to the energy price shock that started in 2021 and went through all of 2022, where we did see, I think, a hit to European manufacturing that had kind of a long tail to it. So, when you think about the current situation, what do you think this shock means for the medium term? How much of an effect do you think this energy price shock could have on the European economy going out a couple of years?Jens Eisenschmidt: Yeah, I mean, just listening to you guys, I mean, really makes me a little bit more depressed still, in terms of being European economist here. Because I mean, it seems America, well, they have the same energy shock, but at least they have AI. In Asia while they have the same energy shock, but at least they have something to deliver into AI. Europe just has the shock, right? So, in some sense there could be one summary.No, but I mean, going back to the comparison and the question. Of course, we have downgraded, as I said yesterday, our growth outlook. And that's predominantly on simply inflation high that is not great for consumption. Consumption is 50 percent of GDP. So, you want to take down a little bit your forecast and your optimism. And then – to your point – where does this leave Europe? We do have already less energy intense manufacturing than before. So, not sure if you'll see much more, or much further downward pressure on this sector. But, of course, it is an uphill battle from here to get back. To get this industrial renaissance back that to some extent the Germans at least are hoping for. In our growth outlook and our growth revisions, we looked into differentiated impacts. And, of course, one of these impacts is through trade. And again, the backdrop here probably globally is not great for trade – as at least you would not want to be super optimistic in that current backdrop. And that will hurt again Europe. So, to your question, we have an outlook, which is still positive growth; but much more muted than say, a month ago or two. Seth Carpenter: Can I push you then a little bit and say that this shock to the European economy then isn't just a cyclical hit. There's probably an additional sort of structural headwind that might get introduced on the heels of, say, the earlier 2021-2022 energy shock? Jens Eisenschmidt: I would say it's the same thing. It's just a reminder that this is still there, right? Europe needs to, kind of, find ways… I think it's best exemplified by the German economy, who was exporting to the rest of the world. And now it looks like as if China has taken over that role. And so, you have to find a new business model, simply speaking, because the ice cream shop next door is just better than you. And so, this is something, what the European economy has just gotten another reminder, and it came through energy, in particular. So, this is where the similarities are. So that was a [20]22 shock. In the meantime, oil prices had nicely retraced, gas prices had nicely retraced. We have new contracts with different suppliers. But still, I mean, the high energy prices expose us here. Because we are already a continent with very high electricity prices, which are derived from the fossil fuels. And so that is not going to end. And so, the continent really urgently has to address that weakness, that structural weakness. And so yeah, in that sense it's structural. Seth Carpenter: Let me pull this together for maybe a final question for each of you. And I'd love it if you could just answer really quickly. Quick fire answers here. We've got a baseline scenario where energy prices are high. Oil is back up a little bit over $100 a barrel. But I think we, and most of the market, are assuming oil prices gradually come down later this year. Mike, what's the prognosis for the U.S. economy? If instead oil prices skyrocket, say they go through $150 a barrel for a couple of months in a row. Michael Gapen: So, the risk there, Seth, is that you do get significant demand destruction. It's not just a gasoline price story for the consumer. It's about weak asset markets. It's about a pullback in hiring. So, at $150 a barrel or more, I would be afraid about recession risk in the U.S. The U.S. is well positioned to handle an oil price shock, but it also has limits. Seth Carpenter: Got it. Jens, suppose instead we had a rapid de-escalation and all of a sudden in the next two months, oil prices are backed down to say $80 a barrel or so. How much of the damage that you envision for the European economy is already baked in the cake? And how much of it goes away if oil prices retrace over the next two months? Jens Eisenschmidt: I would say a lot for this year is baked in the cake to use your words. While next year, we would be basically back to where we had been before in numbers. 1.2 instead of the 0.9 we are seeing currently. And importantly, the ECB could stay. It would not have to hike into that crisis. Seth Carpenter: So, Chetan, , let me come back to you then to wrap up this whole conversation. We've talked about energy mostly in terms of price, but as we've discussed there is the quantity side of things. So, do you think there's a non-linearity? Is there something that's going to just fundamentally change if instead of the rationing being done by price, we get to a point where there's just simply no supply coming to Asia? Chetan Ahya: Yeah, I think that's a very real risk, and that's particularly more important for Asia because there's a lot of dependence on Middle East, and both gas and oil coming in through the Strait of Hormuz. So yeah, I think there is a risk of non-linearity on Asia's growth dynamics if you see supply shortages. Seth Carpenter: Super helpful. I think that's a great place to leave it. What started as a geopolitical shock is now evolving into something broader, touching everything from inflation, interest rates, possibly productivity and technology investment, and clearly global trade. So, Mike, Chetan, Jens, thank you all for coming to help connect these dots. And to the listener, thank you for listening. If you enjoy the show, please leave us a review wherever you listen to podcasts and share Thoughts on the Market with a friend or a colleague today.

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In this master's class episode of the Smart Real Estate Coach Podcast, I sit down with Lon Welsh for a timely, data-backed conversation on what is really happening in today's housing market and how smart investors should respond. Lon brings over 20 years of commercial real estate acquisition and development experience, and as the founder of Ironton Capital and CEO of Your Castle Real Estate, he has his finger on both the residential and investment side of the market in a serious way.     We unpack consumer confidence, mortgage rates, recession fears, rental demand, student loan delinquencies, buyer psychology, and what those factors mean for both active and passive investors. Lon explains why the media is missing some of the biggest drivers in today's market, why renters may stay renters longer, why rent-to-own operators could be in a position of strength, and why 2025 and 2026 may look a lot more attractive in hindsight than they feel in the moment.    If you want a clearer read on market timing, negotiation leverage, and where opportunity is building right now, this is one of those episodes you'll want to listen to twice.   Key Talking Points of the Episode   00:00 Introduction 01:55 Real Estate Market Update: Current trends and consumer sentiment 02:40 Why buyers and sellers feel frozen  04:12 Understanding mortgage rates and buyer opportunities 05:15 Should we expect a recession this year? 06:34 Challenges and trends for renters and landlords in today's market 07:09 Student loan delinquencies are a major hidden headwind 08:48 Why older renters want houses, not apartments 11:44 The softest residential markets in the country right now 12:35 Regional market comparison: Midwest/Northeast vs. Southwest/Southeast 14:20 Analyzing historical real estate downturns 16:48 Comparing previous market corrections to the current market 18:24 Home equity stability vs. the 2008 financial crisis 20:43 Passive investing and Lon Welsh's Passive Investing Book 22:21 Long-term outlook and understanding the importance of timing 23:01 Free Smart Real Estate Coach Resources 24:24 The 3 Paydays Live Event   Quotables   "Consumer confidence is probably actually the bigger thing. And nobody in the media talks about that."   "The pool of people who will be stuck renting is going to grow, and the pool of people who are in the first-time buyer set is going to shrink."   "There will be a lot of people in 2028 and 29 who are going to look back and say, why didn't I buy more assets in 25 and 26?"   Links   Episode 530: How $100M in Private Funds is Navigating Today's Economy https://podcasts.apple.com/lu/podcast/episode-530-how-%24100m-in-private-funds-is-navigating/id1266331428?i=1000732961261   Ironton Capital FREE Passive Investing Book https://irontowncapital.com/smartrecoach   3 Paydays® Live https://3paydayslive.com/podcast   Free Discovery Call https://smartrealestatecoachpodcast.com/discovery   3 Paydays® System Mastery Course - Use coupon code for 50% off https://smartrealestatecoach.com/qls Coupon code: pod   Apprentice Program https://3paydaysapprentice.com Coupon code: Podcast   Masterclass https://smartrealestatecoach.com/masterspodcast   3 Paydays Books https://3paydaysbooks.com/podcast   Partners https://smartrealestatecoach.com/podcastresources

It's one of our favorite episodes - STUFF WE LOVE! Here we are sharing all the things that have been making life fun, enjoyable, easier, and vibrant! Maybe there's something that can enrich your life, or maybe you're searching for a solution - it could be in here! We are sharing all the stuff we are loving this Spring!THE SHOW NOTESWe would absolutely LOVE to see you at our next Live Podcast Event! One lucky winner will receive a mixer or a shopping spree at Walnut Creek Cheese! All the details can be found here at our Eventbrite page! Check it out!If you've been around the podcast for any length of time, and you're in our podcast community, we would love for you to join us on our Patreon. Patreon is where you go to support us, get more TAGD content, download exclusive episodes and recipes, and get behind the scenes looks at what's going on with Lee Ann and Matt. Thanks for joining us!If you know anything about us at all, you know a good cup of coffee is important to us - especially “frothy coffee.” Click here to grab some of our These Are Good Days blend coffee - we created this blend and couldn't love it more!Thank you to our sponsor Walnut Creek Foods and Walnut Creek Cheese and Market. Click here to see where you can locate a store near you that carry their incredible products. If getting packages on your doorstep is more your speed, click here to see products that can be shipped right to your door!This episode was also sponsored by Creative Quo, a marketing firm in Millersburg, OH. We are working on new branding, a new website, and some new creative ways to elevate our podcast using their proven marketing strategies. If you need a second set of eyes on your business or brand, Creative Quo is where to go!Rig and Co - Color AnalysisAmazon SUIT!Bambu A1 ComboSmackin Seeds

Hollie Campe-Astridge, assistant vice president in the Sports & Recreation Department at Philadelphia Insurance Cos., said health and wellness trends are continuing to support demand for outdoor experiences.

When the workings of an electricity market come to the attention of the White House, it's usually a sign that something's wrong. Back in January, 13 state governors went to the White House to agree plans for PJM, the largest electricity market in the US. The market is scrambling to find more energy supply to keep up with the boom in data centers, while holding down ratepayers' bills. Managing the PJM grid is one of the toughest jobs in the US power industry. And these days it is being carried out in the full glare of political and public scrutiny.If you want to understand the pressures bearing down on the US electricity, PJM is the place to look. It is the largest grid in the country, serving 67 million people across 13 states and the District of Columbia. And it is some of the world's most intense hotspots for new data center development, including the famous “data center alley” of northern Virginia, which takes roughly 90% of the country's internet traffic . When things get complicated for PJM, they get complicated for everyone.On this episode, host Ed Crooks is joined by Asim Haque, Senior Vice President for Governmental and Member Services at PJM, and by regular guest Amy Myers Jaffe, Director of the Energy, Climate Justice and Sustainability Lab at New York University. Together, they unpack how PJM got itself noticed by the White House, and how its problems can be tackled.Asim explains the organization he works for. PJM is a nonprofit that operates the grid, runs the electricity market, and plans the transmission system. It is regulated by FERC, but also accountable to a thousand-plus members across 13 states, each with its own energy policies, its own governor, and its own politics. That structural complexity is central to why running PJM is so challenging.Those problems converged from two directions: decarbonization and data centers. The result has been soaring prices in the PJM capacity market. And when those prices were capped, the alarms about a future reliability crisis started flashing red.The White House responded by convening all 13 governors of the states covered by PJM, and produced a statement of principles for bringing new generation capacity into the market. As Asim explains, these principles lie behind the plan for a backstop reliability procurement, designed as a one-time mechanism to bring new electricity supply onto the system quickly.There is also an expectation that data centres will bring their own generation; and a "connect and manage" framework for those that don't. The key feature of that: data centers can have their supply curtailed before residential customers lose power. The White House and the governors agreed that the bill for grid and generation improvements to meet rising demand should be paid by the data centers. It sounds straightforward, but is it really? Asim explains his perspective.The episode also examines the deeper design questions about PJM's capacity market: whether a three-year forward procurement window can send the right signals for the long-term investment the grid now needs. Amy brings the consumer and policy lens throughout. Are the complexities of cost allocation and market design inherent to the electricity system, or are they manufactured and even sometimes exaggerated? And can they sometimes militate against lower-cost solutions such as renewables and batteries?Asim ends by offering some advice for other grid operators. If you are not going to gate demand, you need a connect-and-manage approach; if you are not going to gate demand, it will get expensive; and if it is going to get expensive, you need to decide who pays. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this first of a two-part discussion, our Global Chief Economist Seth Carpenter leads a discussion with chief regional economists Michael Gapen, Jens Eisenschmidt and Chetan Ahya on impacts of the conflict in Iran and how central banks are responding.Read more insights from Morgan Stanley.----- Transcript -----Seth Carpenter: Welcome to Thoughts in the Market. I'm Seth Carpenter, Morgan Stanley's Global Chief Economist and Head of Macro Research. And today we're going to kick off our quarterly economic roundtable. And this is where we try to step back a little bit from the headlines and the day-to-day changes in markets and try to put the global picture together and frame it for you. In the first of this two-part discussion, we're going to cover the implications of the oil price shock for energy, inflation, and for central bank policy. As always, I'm joined by the Chief Regional Economists here at Morgan Stanley. I've got Michael Gapen, our Chief U.S. Economist, Chetan Ahya, our Chief Asia Economist, and Jens Eisenschmidt, our Chief Europe Economist. It's Tuesday, April 14th at 10am in New York. Jens Eisenschmidt: And 3pm in London. Chetan Ahya: And 10pm in Hong Kong. Seth Carpenter: So, let's just jump right into this. Over the past several weeks, global markets have been dominated by one story. The escalation, de-escalation, the news flow back and forth about the conflict in Iran and the ripple across energy markets, inflation, and growth. Our view has been that even if we don't see another huge leg up in the price of energy and another surge in volatility across financial markets, the persistence of the shock in terms of disrupted supply will be at least as important, if not more so for markets. So, let me start here in the U.S., Mike. You and I have each had lots of conversations with clients about how the Fed's going to react. Market pricing moved a lot before, has retraced, and now is kind of looking at no change in policy for this year, give or take. Your baseline remains that the Fed will have an easing bias and that we'll end up with a couple of cuts later this year. Can you walk us through that thinking, and also where the debate is with clients? Michael Gapen: Sure. So, the evidence in the data… This goes back, let's call it several decades now – that oil price shocks in the U.S. do tend to push headline inflation higher by definition. But they have very limited second round effects on core inflation. And the higher oil prices go, the more likely it is that you get some demand destruction, some weakness in spending, maybe even some weakness in hiring. So, there is a bit of a non-linearity here. In our baseline where oil is elevated, but let's say not excessively high, I can completely buy the argument that the Fed is on hold assessing the evolution of the data and wondering are there second round effects on inflation? Or is this weakening demand? So, Seth, our view is that the Fed is right in its assessment that tariff passed through to goods prices will eventually moderate. And that the oil price effect on headline will diminish. And later this year, core inflation moderates. That should open the door for the Fed to cut two times this year. I do think that the wrong thing to do in this situation is to raise rates into this… Seth Carpenter: I agree with you. Michael Gapen: Yeah. So, I think it's… The Fed's on hold or their cutting. If we're right on where inflation goes, that can open the door to cuts. But to your point, where is the investor debate right now? I think the knee jerk reaction from markets is – the Fed's on the sideline, for, let's call it the foreseeable future. Which as you noted in this market is day-to-day headline to headline. And the Fed will assess where to go later this year. We think they can cut. But I think in general, the Fed is either on hold or cutting. I think the wrong thing to do right now is raise rates. Jens Eisenschmidt: Yeah, let me jump in maybe here from Europe where in theory it's the same problem. Just that the answer that the central bank is likely to give in Europe is slightly different from the one in the U.S. So, the debate we have with clients is not so much about whether or not the ECB is going to hike rates. It's more about how much it will do or have to do this. I mean, again, it has a lot to do with the way oil prices in the end, end up trading. It will be a lot more inflation or less. But it has also to do with the way the mandates are constructed. So, the ECB really has a single inflation mandate and not a dual mandate like the Fed in the case of the U.S. So, there's much more attention on inflation. Next to that, we have stronger second round effects. Historically, we know that from the data. So, it's clear and understandable why ECB policy makers all came out cautioning against that inflation coming, and sort of mulling what had to be done there. We had some leaks out of the governing council meeting in March that maybe [in] April, you've already seen rate hikes. We pushed strongly back against that notion. Since then, we had other policy makers coming out agreeing to that. Yet we likely have a discussion in the June meeting that may lead to a rate hike. We currently forecast a rate hike in June and one in September. Seth Carpenter: What about the growth risks to the euro area? Is that part of why you think the hikes might come later? Is that part of why the ECB might only hike two times this year? How do you think about the growth risks for the euro area in addition to the inflation risks? Jens Eisenschmidt: Yeah, no, I think that's a fair question. We have just updated our growth outlook for this year. Next, we've downgraded growth, obviously. Again, all of that is dependent on the scenario in the end we are in. For now, we assume a scenario of elevated oil prices for this year, but then they will retrace. Now the ECB will look at that in a very similar fashion. So first of all, they will have their new projections. They will see whether there is any hope, reasonable hope that we go back to close to target inflation. Mind you, we were below target, started the year on a very good footing here. And now are projecting we will more or less come out at above 3 percent this year and 2.4 next. Both are above the 2 percent target. That already factors in a mild hit to growth. And I think here is really the crux of the matter. If the ECB has to see a more dramatic downward revision of its growth outlook, they may as well hold a little bit more back with rate hikes. At the same time, for now, all the indications are that the hit to growth will be relatively mild and herein lies if you want the basis for the rate hikes. It's a bit of a signaling device. It's a bit of lowering growth, but not really as much. It's not – we see a central bank leaning strongly against inflation. We are seeing them mildly leaning against it in a bid to stabilize inflation expectations mainly.Seth Carpenter: Alright, that's super helpful. Chetan, I'm going to come to you because we've talked with Mike and with Jens about the inflationary side of things and the growth side of things. But when I think about energy and Asia, I think of Asia as being a bit more exposed than other big economies, definitely relative to the United States. And I think about a lot of sensitivity, not just to the consumer, but also to manufacturing. So how are you thinking about the exposure across your region, across Asia to this energy shock? Where are the biggest risks? Chetan Ahya: So, Seth, first of all, I agree with you. I think Asia is the most exposed region. The best metric for assessing that is how much is the net oil imports of each of the regions in the world. And Asia is at around 2 percent of GDP. Europe is around 1.5 percent of GDP and U.S. is actually a minor surplus. Now in terms of the transmission of this shock to growth, there are two elements to be considered. One is the price of oil and gas, and second is the supply shortages. And in fact, all my life when I have been doing this work of modeling on oil shocks to growth transmission, we've never had to really think about supply shortages. We've always been considering oil price increase and its impact. But in this cycle, we have to also consider the supply shortages. So, when you consider both these factors, we think that there will be a meaningful growth damage to Asia from the evidence of oil price increase and gas supply shortages that we have seen so far. And we have just reduced our growth estimates for the region from 4.8 percent to 4.4 percent. Mind you, first quarter was fine. So, this is all on account of the last three-quarters growth damage. And we are assuming that there will some kind of normalcy that we see in ships transiting through the Strait of Hormuz. And we are resuming oil prices average around $110 in second quarter and then come down to $90. So, in that sense, our base case is still expecting some kind of a resolution very soon. But if that doesn't materialize and you see oil prices rising up to $150, then we think region will take a much bigger hit and growth will come down to 3.9 percent in 2026. Seth Carpenter: So, Chetan, you've made a couple of really good points there. One I want to highlight is the difference between the quantities and the prices. I would say as economists, as people in markets, we're used to thinking about oil shocks as just about the price of oil and how that transmits through.But I do think there's a real risk now, given the virtual shutdown of traffic through the Strait of Hormuz that we see physical shortages. And across different Asian economies, we have seen rationing already come into place. So, when you look across the region, how would you rank the specific economies that are most exposed? Especially if we have to think about physical shortages. Chetan Ahya: Yeah, right. Seth. So, we've considered both the aspects, price effect as well as the supply shortages. And on that basis, we rank India, Taiwan, Thailand, Korea and Philippines are the ones which are most exposed. And on the other hand, China and Malaysia are least exposed. Japan and Australia are moderately exposed. Seth Carpenter: Yeah, and that makes a lot of sense. But I can't let you get away from the discussion on Asia without thinking about China. What are you thinking specifically about China? How exposed is it? What's going to happen with growth there? And you know, one of the themes, you and Robin Xing, our Chief China Economist, had been talking about now for over a year is the deflationary cycle in China. So how should we think about the effects in China? Chetan Ahya: So, I think, yeah, China is uniquely positioned in this cycle. We are expecting China's growth to be down by just 10 basis points. So, it almost is as if there is not much damage to China's growth estimates that we have made. And the reason why we see little damage in China's growth numbers is because of two reasons. Number one is that their net oil imports are relatively low. And second is that they have a lot of control on their supply chain. So, for example, they have coal gasification facility. So, when crude oil prices rise above $100, they can activate this coal gasification facility and use that for all the areas where you can use fuel. And they are also quite good in terms of their own electricity distribution management. They have a lot of surplus thermal power capacity. They have a lot of surplus solar electricity capacity. So, they're able to toggle between gas-based electricity supply into coal and solar. So that gives them a lot of leeway to manage the shock and not have much growth damage. Onto your second point on the impact on its deflationary situation. We think that there will be a rise in prices in China because of the input price increase. We still won't call that as winning this deflation challenge that China has been going through over the last three years. For us, if you want to have true sustainable reflation, you should see consumption demand picking up. At the same time, you should see improvement in corporate margins. And neither of those will happen when you have a rise in inflation because of rise in input prices.Seth Carpenter: Yeah, that makes a lot of sense. As always China is an interesting but complicated story. So maybe this is a good place to stop for today.We focused on the immediate effects of the shock, higher energy prices, central bank reaction. Tomorrow, I think we'll be able to dig in deeper into some of the second order effects, and then also ask the question, where are we going from here? What's going to happen to labor markets productivity – the more structural questions. So, Mike Chetan, Jens, thank you so much for joining today. And to the listener, thank you for listening. And be sure to tune in tomorrow for part two of our conversation. And if you enjoy this show, please leave us a review wherever you listen to podcasts and share Thoughts on the Market with a friend or a colleague today.

Has crypto already bottomed, or is more pain still ahead? Mike and Ryan break down the bull and bear case in full, from Bitcoin fair value and market structure to global liquidity, AI demand, and the macro risks still hanging over markets. Mike explains why he thinks the setup still looks more like a bear market than a new uptrend, even if the odds are close. It's a sharp episode on how to navigate a market that could break either way. Michael Nadeau & The DeFi Report: https://x.com/JustDeauIt https://thedefireport.io/bankless  ---

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This week we talk about Project Glasswing, Anthropic, and Q Day.We also discuss exploit markets, vulnerabilities, and zero days.Recommended Book: The Culture Map by Erin MeyerTranscriptIn the world of computer security, a zero-day vulnerability is an issue that exists within a system at launch—hence, zero-day, it's there at day zero of the system being available—that is also unknown to those who developed said system.Thus, if Microsoft released a new version of Windows that had a security hole that they didn't know about, but someone else, a hacking group maybe, discovered before it was released, they might use that vulnerability in Windows or Word or whatever else to hack the end-users of that software.While large companies like Microsoft do a pretty good job, considering the scope and scale of their product library, of identifying and fixing the worst of the security holes that might leave their customers prone to such attacks, that same scope and scale also means it's nearly impossible to fill every single possible gap: a truism within the cybersecurity world is that defenders need to get it right every single time, and attackers only need to get it right once, and the same is true here. There's never been a perfect piece of software, and as these things expand in capability and complexity, the opportunity to miss something also increases, and thus, so does the range of possible errors and exploitable imperfections.Because of how damaging zero-days can be for both users of software and the companies that make that software, there are thriving marketplaces, similar to those that deal in other illicit goods, where those who discover such vulnerabilities can sell them, usually for cryptocurrencies or funds derived from stolen credit cards.Software companies have countered the increasing sophistication of these exploit black markets with white and grey market efforts, the former being direct payouts to hackers, basically saying hey, thanks for finding this bug, here's a lump-sum of money, a bug bounty, rather than punishing all hacking of their systems, which is how they would have previously responded, which had the knock-on effect of sending all hackers, even those who weren't looking to cause trouble, either underground, or actively hunting for bugs for the black market.The grey market is more complicated and diverse, and also the largest of marketplaces for those shopping around for these types of exploits. And it's populated by the same sorts of neverdowells who might frequent the exploit black markets, but also includes all sorts of governments and intelligence agencies, who scoop up these sorts of vulnerabilities to use against their opponents, or to deny them to others who might use them instead, against them.All sorts of governments, from the US to Russia to North Korea to Iran are regular shoppers on these computer system exploit grey markets, and that has created a complicated, entangled system of incentives, as is some cases, it's better for the US government, or Iranian government, or whomever, if the company making these systems doesn't know about a bug or other vulnerability, because they just spent several million dollars to buy a map to said bug or gap, which could, at some point in the future, allow them to tunnel into an enemy's computers and cause damage or steal information.What I'd like to talk about today is a new AI system that is apparently very, very good at identifying these sorts of exploits, and why this is being seen as a milestone moment for some people operating in the zero day, and overall computer security space.—On April 7, 2026, US-based AI company Anthropic announced Project Glasswing—a new initiative that is currently only available to 11 companies that's meant to help those companies shore-up their cyber defenses before more AI systems like the one that underpins Project Glasswing, which is called Mythos Preview, hit the market.So these companies, Amazon Web Services, Anthropic, Apple, Broadcom, Cisco, CrowdStrike, Google, JPMorganChase, the Linux Foundation, Microsoft, NVIDIA, and Palo Alto Networks, make a lot of stuff, and in particular make and maintain a lot of vital online and device-based software infrastructure, like operating systems and all the stuff that keeps things in our apps and on the web secure.Mythos Preview is a new model created by Anthropic, similar to their existing Claude models, but apparently vastly more powerful. There are tests that AI companies use to compare the potency of their models at a variety of task types, but those are generally considered to be flawed or game-able in all sorts of ways, so the main thing to know here is that Mythos did way better at most of those tests, especially the coding, the programming-related ones, than the other, currently most capable models, the ones that professional programmers, most of them anyway, are using these days. It was also able to do impressive and worrying things like break out of the sandbox that contained it, accessing the internet when it wasn't supposed to be able to do so.And because of that leap forward in programming capability, Mythos Preview was tasked by Anthropic with finding vulnerabilities in all sorts of software systems, including operating systems—Windows, macOS, iOS—and browsers, like Chrome and Firefox.Most AI systems, and most human coders, if they focus enough and look really hard for long enough, will tend to find some kind of vulnerability in just about anything, because this software is just that big and complex. But within a relatively short period of time, Mythos Preview found thousands of vulnerabilities in these systems, indicating that it's a lot better at this kind of task than the other AI available these days, and so Anthropic created this project, Project Glasswing, to give these entities a head-start, helping them fill these gaps and bolster their defenses, before everyone else on the planet, including foreign governments, hacker and terrorist groups, but also just everyday people, suddenly have the ability to identify and possibly exploit these vulnerabilities, on scale.This news hasn't been super widely reported in the non-tech press quite yet, but within the tech world, it landed like a hand grenade in a crowded room.And there are already quite a few perspectives on what this all means, including a fair bit of skepticism.On the skeptic side, many analysts have noted that it's a common tactic amongst AI companies to doomsay, to basically suggest that their models might end the world, might kill all of humanity, might dramatically change everything, put everyone out of work, maybe, not necessarily because the founders and employees at those companies believe that would be the case, but because the implication is that if these products are that powerful, well, investors should probably give them gobs of money, because a tool that could end the world or cause that much disruption might be the last tool available, or might become the next electricity or internet or whatever else. Claiming philosophical, humanistic concern for the super-weapon you just built, in other words, is one way for AI company leaders to say their product is superior to every other product ever while also seeming to suggest that they are the thoughtful, careful leaders that we need holding the reins of that sort of capacity.Other skeptics have said that while this might be a step-up in terms of the speed at which such vulnerabilities can be identified in these sorts of systems, other AI systems, existing ones, even open source, free ones, have been able to do the same for a while now. So while Mythos Preview might be even better at it, and might be capable of running constantly, finding more and more of these things for a government that wants to save money they might otherwise spend on the grey market, scooping these things up for use against their enemies, or for defensive purposes, sharing some of them with their homegrown tech companies, perhaps, smaller, less-moneyed groups can already do the same, if they're smart about how they apply existing, even free, lower-end AI systems.Others have responded to this announcement similarly to how some have responded to the concept of Q Day, short for Quantum Day, which refers to the hypothetical moment at which quantum computers finally become powerful enough to break the encryption that allows the internet, and banking, and government privacy systems to function. If these encryption keys can be broken—and quantum computers should theoretically be able to do this a lot better than conventional computers, because of their very nature—if and when that happens, if these systems aren't suitably prepared with new encryption that's hardened against quantum systems, the entire banking sector could collapse, everything hackable, all the money stealable, none of it trustworthy anymore. The same with the whole of the web, with apps, with government systems that keep things hidden away and classified, with energy grids. It could be chaos.The theory here, then, is that this type of AI, maybe Mythos Preview, maybe the other systems that it portends—because this whole industry seems to leapfrog itself every three or four months at this point, someone coming out with a big, cool, most powerful new thing, then their competitors coming out with something even more powerful within weeks or months—maybe these vulnerability-identifying and exploiting AI will result in something similar, all the world's software and encryption a lot more vulnerable, all at once, essentially tomorrow.It's more of what we've already seen with AI, basically, these tools providing anyone who uses them more leverage to do all sorts of things. Not necessarily creating anything new—exploits and vulnerabilities have always existed—but giving a skilled hacker the ability to find and exploit thousands of them in the same time it would have previously taken them to find and exploit just one. And it could also give unskilled, non-hackery people and entities similar capabilities.That creates a dramatically new cybersecurity landscape essentially overnight, and that's why, at least according to their press releases on the matter, Anthropic is not releasing Mythos Preview to the public, and instead is taking the Project Glasswing approach: they don't think other AI companies, like OpenAI or xAI, can be trusted not to just lob that grenade into the crowded room, so since they got there first, they're going to try to help everyone protect themselves from that grenade when it inevitably lands.This could, then, be quite the PR coup, giving Anthropic the opportunity to tout their superior products, while also allowing them to portray themselves as sort of the white knight in the AI world, helping everyone protect themselves, even though they probably could have made far more money by either selling the exploits and creating their own new market for them, or by somehow leveraging those exploits themselves.At the same time, it could be that they are overselling the capabilities of this new model, painting a rosy picture with them as the heroes, while in turn makes their products seem more powerful than they are in order to bolster their public perception and future economic potential.It could also be a bit of both; even those who are skeptical about this specific announcement and the implications of it do tend to agree it's likely we'll see more disruption from these sorts of models soon. Even if Mythos Preview isn't the grenade everyone's worried about, in other words, it's likely we'll face such a threat in the near-future, and even if Project Glasswing isn't the defense we need against such a threat, it's probably prudent that we be thinking about whatever it is we do need, and ideally building it, too, so it's ready to go, already in place, when that new threat lands.Show Noteshttps://www.nytimes.com/2026/04/10/briefing/claude-mythos-preview.htmlhttps://www.nytimes.com/2026/04/07/technology/anthropic-claims-its-new-ai-model-mythos-is-a-cybersecurity-reckoning.htmlhttps://en.wikipedia.org/wiki/Claude_(language_model)#Claude_Mythos_Previewhttps://www.newyorker.com/magazine/2026/04/13/sam-altman-may-control-our-future-can-he-be-trustedhttps://www.anthropic.com/glasswinghttps://www.wired.com/story/anthropic-mythos-preview-project-glasswing/https://stratechery.com/2026/myth-and-mythos/https://en.wikipedia.org/wiki/Zero-day_vulnerabilityhttps://en.wikipedia.org/wiki/Market_for_zero-day_exploits 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

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Lowe's is launching annual subscription service HomeCare+ to deepen the company's relationship with customers. CEO Marvin Ellison discusses the initiative, the investment he's making in trade skill training, the future of the labor market, and the ideal housing environment for his bottom line. Then, Robert Frank reports on the Iran War's impact on luxury shoppers in the Middle East and, by extension, on luxury conglomerate LVMH. Plus, United Airlines CEO Scott Kirby reportedly pitched a merger with American, and CNBC's Steve Liesman reports that the NFIB small business optimism index for March of 2026 fell to its lowest level since the Liberation Day tariffs in April of 2025.    Steve Liesman - 6:46 Marvin Ellison - 16:24 Robert Frank - 33:19   In this episode: Steve Liesman, @steveliesman Robert Frank, @robtfrank Kelly Evans, @KellyCNBC Joe Kernen, @JoeSquawk Katie Kramer, @Kramer_Katie Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

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Scott Wapner and the Investment Committee debate whether the market can hit new highs despite geopolitical uncertainty and how you should trade it. Plus, the desk share their latest portfolio moves. And later, the Committee discuss leaning into the tech momentum.   Investment Committee Disclosures Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Today's show is sponsored by The Cost Segregation Guys. If you own investment real estate and haven't looked seriously at cost segregation, you could be leaving significant tax savings on the table. The Cost Segregation Guys help investors accelerate depreciation, improve near-term cash flow, and make more efficient use of capital, all without changing the underlying asset. In a business where preserving cash matters, that's worth paying attention to. If you're interested in learning more, click on the link in the show notes and you'll be able to connect with them directly, and qualify for a discount because you came from the show.  https://costsegregationguys.com/estateespressopodcast/------------Today we're talking about leasing strategy for new buildings in a market that is over-supplied.This is a topic that matters a great deal right now, because in many markets, especially where there's been a wave of new Class A deliveries, the challenge is no longer simply getting the building built. The challenge is getting it leased without destroying the economics of the project.When markets become over-supplied, a lot of owners make the same mistake. They become emotionally attached to their pro forma rent. They want to defend the number on the spreadsheet, even when the market has already moved on.In an over-supplied market, the first objective is not to maximize rent. The first objective is to maximize occupancy. That may sound counterintuitive, especially if you've just delivered a shiny new asset with premium finishes, nice amenities, and a construction loan that doesn't care about your excuses. But it's the truth.A vacant unit is the most expensive unit in the building.-------------**Real Estate Espresso Podcast:** Spotify: [The Real Estate Espresso Podcast](https://open.spotify.com/show/3GvtwRmTq4r3es8cbw8jW0?si=c75ea506a6694ef1)   iTunes: [The Real Estate Espresso Podcast](https://podcasts.apple.com/ca/podcast/the-real-estate-espresso-podcast/id1340482613)   Website: [www.victorjm.com](http://www.victorjm.com)   LinkedIn: [Victor Menasce](http://www.linkedin.com/in/vmenasce)   YouTube: [The Real Estate Espresso Podcast](http://www.youtube.com/@victorjmenasce6734)   Facebook: [www.facebook.com/realestateespresso](http://www.facebook.com/realestateespresso)   Email: [podcast@victorjm.com](mailto:podcast@victorjm.com)  **Y Street Capital:** Website: [www.ystreetcapital.com](http://www.ystreetcapital.com)   Facebook: [www.facebook.com/YStreetCapital](https://www.facebook.com/YStreetCapital)   Instagram: [@ystreetcapital](http://www.instagram.com/ystreetcapital)  

With the help of a special guest, Dr. Jeffrey Roach, Chief Economist, and Lawrence Gillum, Chief Fixed Income Strategist, talked about what the impact the Iran Conflict is having on economic growth and inflation expectations with risks to the downside and upside, respectively. Additionally, why the equity markets were effectively looking through the Middle East conflict due to strong earnings expectations keeping market volatility in check. They then discussed the diverging path of central bank policy, particularly between the Federal Reserve (Fed) and the European Central Bank (ECB) and what that could mean for both equity and fixed income investors. Finally, despite the ongoing narrative on “sell America”, the three discussed the current performance of the U.S. Dollar and why continued calls for its demise as a reserve currency are overdone, in their view. Tracking: #1090741

Send us Fan MailIf you want better investors, better clients, better deal flow, and more inbound opportunities, then your positioning has to be stronger than everyone else in your space.In this talk, Richard C. Wilson breaks down one of the most valuable business skills he has developed over the last 20 years: powerful market positioning.This session explains why being “just another firm in the industry” is a losing strategy, and why the winners are the ones who define a clear sandbox, own a valuable keyword phrase, and become the go-to authority for a specific niche.Richard shares how he went from learning about family offices for the first time to building Family Office Club through focused positioning, consistent content, and refusing to wait for permission to become a thought leader.Inside this video:- Why positioning is the foundation for attracting pre-qualified leads- How to stand out in crowded markets like AI, real estate, hedge funds, and private equity- Why specialization beats being broad and generic- How to define your sandbox and own a keyword phrase- The real reason niche authority creates better deal flow and stronger valuations- How Family Office Club was built through strategic positioning- Why being number one in a narrow category can transform your businessThis is a must-watch for founders, capital raisers, investors, consultants, and anyone who wants to build authority in a competitive market.If your business is not getting enough momentum, this may be the missing piece.https://familyoffices.com/

From empty reservoirs to rising wildfire risk, a dry and warm winter is setting the stage for a difficult year ahead. We break down how snowpack loss impacts drinking water, food production, and even air quality far beyond the Rockies.

The US is reportedly eyeing a potential second round of in-person talks with Iran as the blockade takes hold, according to CNN.AP reported that the US and Iran could be headed toward a second round of talks, which could happen on Thursday.US VP Vance said we made some progress in Iran talks, and he wouldn't say things went wrong, while he added Iranians moved in our direction in talks, but not far enough.A US official said there is “continued engagement” with Iran and forward motion on trying to get to an agreement, while a senior US official also said talks between the US and Iran are continuing even now and there is progress in trying to reach an agreement, according to Axios.An IRGC spokesperson said that if the war continues, they will unveil capabilities that the enemy has no idea about, according to SNN.APAC stocks traded higher as risk sentiment was underpinned by hopes regarding US-Iran peace talks; European equity futures indicate a positive cash market open with Euro Stoxx 50 futures up 0.4%.Looking ahead, highlights include Swedish CPIF Final (Mar), German Wholesale Prices (Mar), Spanish HICP Final (Mar), US NFIB Business Optimism Index (Mar), ADP Weekly Change, PPI (Mar), South Korean Export/Import Prices (Mar), IEA OMR (Apr), IMF World Economic Outlook Press Briefing (Apr). Speakers include BoE's Mann, Bailey & Greene, ECB's Lane, Cipollone & Lagarde, RBNZ's Breman, Fed's Goolsbee, Barr, Paulson, Collins & Barkin, Supply from the Netherlands & Germany. Earnings from JPMorgan Chase, BlackRock, Citi, J&J, Wells Fargo, BMW & Kering.Read the full report covering Equities, Forex, Fixed Income, Commodites and more on Newsquawk

The ASX snapped a two-day slide today, lifting 0.5% on renewed hopes for a US-Iran peace deal. While gains halved from morning peaks following the start of a US Navy blockade in the Strait of Hormuz, the market remained resilient. BHP surged 3.2% after reports that China is reopening doors to its iron ore, but the corporate "war toll" weighed elsewhere. Qantas flagged an $800 million fuel hit, Westpac fell 2.6%, and Cleanaway cut profit guidance. Meanwhile, consumer confidence plunged 12.5% to near-record lows. Steve Daghlian and Laura Besarati are Market Analysts at CommSec. Each episode, they break down the day's market movements and explain what the numbers really mean. The content in this podcast is prepared, approved and distributed in Australia by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814. The information does not take into account your objectives, financial situation or needs. Consider the appropriateness of the information before acting and if necessary, seek appropriate professional advice.See omnystudio.com/listener for privacy information.

Survivor of Epstein human trafficking set to speak to CSU students, Market aimed at helping Northern Coloradoans coming soon, Colorado has been denied federal funding by the Trump administration for natural disaster relief

Send us Fan MailA single headline can freeze a buyer, spook an agent, and quietly sabotage a sale. So we strip the noise away and get practical about what actually works when the market shifts from easy momentum to cautious decision-making across East Coast Australia and beyond.We unpack what a transition market demands from a real estate agent: resetting vendor expectations early, giving direct feedback after every inspection, and pricing based on what has sold in the last 60 days not what sold six months ago. We also dig into the skill gap that shows up fast when enquiry levels drop: buyer management. If your buyer plan starts and ends with calling people after Saturday opens, you're leaving deals on the table. Strong agents build a database, stay in touch, learn buyer motivation, and create private appointment urgency without relying on the portals to do the heavy lifting.Then we get into deal-making: when to take a clean pre-auction offer, why “being a hero” can backfire, and how to negotiate with calm certainty instead of nervous pressure. We finish with one of the most useful owner-occupier frames in a changing property market: the changeover gap. If you're buying and selling in the same market, the gap often matters more than the headline price, especially for upgraders chasing long-term value.If this helped you think clearer about selling, buying, or leading clients through uncertainty, subscribe, share it with a mate in real estate, and leave a review with your biggest takeaway.

Our CIO and Chief U.S. Equity Strategist Mike Wilson shares his perspective on why investors should position for a stock market recovery despite ongoing uncertainty.Read more insights from Morgan Stanley.----- Transcript -----Welcome to Thoughts on the Market. I'm Mike Wilson, Morgan Stanley's CIO and Chief U.S. Equity Strategist.Today on the podcast I'll be discussing why equity investors – sometimes – need to look away from the headlines.It's Monday, April 13th at 11:30am in New York.So, let's get after it.Today I want to talk about something I think a lot of investors are struggling with right now – and that's timing. When I talk to people, markets still feel fragile to most. There's uncertainty around geopolitics, central banks, oil… You name it. But when I look at what the market is actually doing; not what it feels like, but what it's telling us – I come away with a very different conclusion. The market is further along than most people think in this correction.In fact, over the past couple of weeks, we've seen the S&P 500 bounce meaningfully. Almost 7 percent from the lows after holding that critical 6300 to 6500 range that we've been focused on. To me, that's not random. That's the market carving out a low ahead of an all-clear signal. And stepping back, my broader view hasn't changed.I still think we're in a new bull market that began last April, coming out of that rolling recession between 2022 and 2025. This correction is part of that cycle; not the end of it. And importantly, a lot of the heavy lifting has already been done.Valuations have compressed significantly. Forward price/earnings multiples have fallen about 18 percent from top to bottom. And beneath the surface, more than half of stocks are down 20 percent or more. That's a market that has already discounted a lot of risk – whether it's the war, private credit concerns, or AI disruption.At the same time, earnings are moving in the opposite direction. Trailing earnings growth is running around 15 percent, and forward earnings growth is up over 20 percent. That combination of falling multiples and rising earnings is a classic bull market correction behavior. Not a bear market. And that's why I think many are misreading this environment.One area where I think that's especially clear is energy. If you look at the price action, energy stocks appear to have already peaked in relative terms. That's often a signal that the underlying commodity – in this case oil – may also be peaking. Or at least it's stabilizing.Which brings me to what I think is really driving volatility now: rates.We're back in a regime where stocks and yields are negatively correlated. That means higher rates are a headwind for equities again, and the recent hawkish tone from central banks that's focused on inflation is creating tighter financial conditions. In my view, that's the final hurdle. Not the war. Not oil. But monetary policy. And here's the interesting part. Tightening financial conditions are also what ultimately force central banks to pivot. So the very thing creating anxiety today may be what sets up relief tomorrow.Now, if we're in the later stages of this correction, the next question is positioning. For me, it's still about a barbell. On one side, I like cyclicals like Financials, Industrials, and Consumer Discretionary – where the earnings remain strong and valuations have reset. On the other side is quality growth. In particularly the hyperscalers; where sentiment has been washed out, but fundamentals remain intact. That combination has worked well off the lows so far, and I think it continues to make sense here.When I zoom out even further, there's a bigger theme developing as well. And that's the rebalancing of the economy, a core theme we discussed in our 2026 outlook back in November. We're starting to see hard evidence that growth is shifting, from the public to the private economy. Private payrolls are strengthening, capital investment is picking up, and companies are behaving as if the current uncertainty is temporary – not structural. This is the rolling recovery on track.At the same time, AI is acting more as a margin tailwind than a disruption, at least in the near term. And this supports operating leverage across many industries. All of that reinforces my view that the recovery is real. And still has room to run.So when I put it all together, here's where I land:The market has already discounted a lot of bad news. It's adjusted valuations, reset positioning, and absorbed market risks. What risk remains is policy, and how long rates and liquidity stay restrictive. But markets don't wait for clarity on that. They move ahead of it.So, here's my advice. Take advantage of any further worries and put capital to work before it's obvious. Because the market waits for no one.Thanks for tuning in; I hope you found it informative and useful. Let us know what you think by leaving us a review. And if you find Thoughts on the Market worthwhile, tell a friend or colleague to try it out!

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Welcome to the land podcast, a platform for people looking to educate themselves in the world of land ownership, land investing, staying up to date with current land trends in the Midwest, and hearing from industry experts and professionals.  On today's episode, we are back in the studio with Land Market Update. We discuss: Land market remains active but slightly cooling Inventory is slowly increasing Buyer opportunity may be opening up Location + layout still drive value Income-producing land adds major appeal Access is a critical factor for hunting properties Smaller tracts can still be high quality Interest rates likely steady short-term Buyer confidence tied to financing clarity Now may be a strategic buying window And so much more! Thanks again for all of the support from our partners—none of this would've been possible without them! -Moultrie:⁠⁠ https://bit.ly/moultrie_⁠⁠ -Hawke Optics | Use Code WHTL for 15% off:⁠⁠ https://bit.ly/hawkeoptics_⁠⁠ -OnX:⁠⁠ https://bit.ly/onX_Hunt⁠⁠ -Painted Arrow: ⁠⁠⁠⁠bit.ly/PaintedArrow⁠⁠ - Buck Land Funding: ⁠⁠https://www.firstbankers.com/bucklandfunding⁠⁠ - Latitude Outdoors: ⁠⁠https://www.latitudeoutdoors.com/⁠⁠ - Whitetail Master Academy ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.whitetailmasteracademy.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - Use code '⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠HOFER' to save 10% off at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.theprairiefarm.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - Massive potential tax savings: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ASMLABS.Net⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Scott Wapner and the Investment Committee debate how the war in Iran and earnings reports are guiding the market right now. They share their top strategies in this environment. Plus. The desk discuss the key levels to watch out for in software stocks. And later, we hit the latest Calls of the Day.  Investment Committee Disclosures Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

We discussed Ruben Bain arrest and draft status, Ted Ginn Jr arrest, Why the Miami Heat are uninspiring headed into Play-in, Difference between Vrabel & Russini situations, NBA local getting screwed, Commanders player says something brutally honest about Lamar Jackson, Music & Entertainment birthdays, This day in Music history, BTC news, Market and Bitcoin updates and more.

A volatile stretch tied to the Iran conflict quickly reversed last week, giving us a real-time example of how fast markets can swing and why reacting to short-term headlines can backfire. Jeremiah and Alex tackle listener questions, starting with whether apps like Acorns are a legitimate way to build wealth and leave money behind for family. That conversation turns into a deeper look at estate planning basics, including when simple tools like transfer-on-death designations work—and when they fall short. A standout segment features a real listener story about naming multiple co-trustees, which led to months of delays, bank complications, and family tension. The hosts break down why this happens and how to avoid it. Finally, the episode dives into retirement income planning, specifically whether lifetime income annuities belong in the "income bucket," and the trade-offs between guaranteed income and losing flexibility.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts Jeremiah Bates & Alex Lundgren ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Obstacles are placed in your way to see if you really have what it takes to reach your goals. — Thom Goolsby Prior Session's Trade Execution Summary Grid: Receive TODAY's Trade Execution Summary Grid, our Complete Analysis & Predictions of Stocks, Bonds, Gold & Bitcoin by becoming a Patreon Member at any of our three levels of support: https://bit.ly/CWPatreonSupport Sign up at Trading View access my platform and charts: https://www.tradingview.com/?aff_id=136493 How to Set Up Our Three Time Frame Chart on TradingView: https://youtu.be/wLwTnrtAOTA I have opened my page to sharing. Find me on TradingView at Thom Goolsby. Here at Charting Wealth, we focus on the reality of price movement by following trends. We teach you a simple and effective method to read stock, ETF and crypto charts, keep your emotions in check and learn when to buy and when to sell. Charting is your road map to the market and the riches it can offer. Forget the hype you see and hear in the financial news media. They are selling products in print ads and commercials. Focus on what is real, no matter how hard it can be to believe! Otherwise, you become a sucker or worse, a slave, to the delusion someone else wants you to believe. Use the lessons we teach every day to accurately chart any stock, commodity, ETF and cryptocurrencies. We give you daily, real life lessons with the five ETFs we track: S&P 500, NASDAQ 100, 20-Year Treasury Bonds, Gold and Bitcoin. We have all the tools you need to learn how to trade. For subscribers, we have a GREAT TRAINING to SUPERCHARGE your practice trading: "Understanding the Big Picture When Trading Stocks." https://youtu.be/zxq-RIBkShQ If you are not a subscriber, become one! Subscribe for FREE to our daily market reviews & training at http://www.ChartingWealth.com We urge you to "Follow the charts, NOT the noise!" and want to help you follow the market and improve your knowledge of stock and ETF movements. Support our work at PATREON and receive GREAT benefits (training, gifts, etc...): https://www.patreon.com/user?u=14138154 Receive our STOCK ALERTS via TEXT when WEEKLY VERTICAL CROSSOVERS occur. Very valuable information! Less than 8 texts a month. Text "chartingwealth" to 33222 on your cell phone. At ChartingWealth.com, http://chartingwealth.com every day the market is open, we chart the S&P 500, NASDAQ 100, Gold & Bonds. In just a few short minutes, we give you a valuable training update and quickly review the trends we see taking place in the market. At the end of every week, we give you an overview of what happened over the last five days and what's on the calendar for the next trading week. DISCLAIMER: We offer NO advice and make NO claims to expertise of any kind. This site is dedicated to knowledge and education through our stock chart training, reviews and other information -- nothing more.

Abe Sheikh, chief investment officer at Cordoba Advisory Partners, says that if tensions in Iran cool and oil prices settle down — which the futures market is saying is likely by year's end — says that the current spike in inflation is temporary and the risk of runaway inflation is much lower than it was during Covid times. With that in mind, he thinks current events are more setting up investment opportunities than stopping investors and getting them to panic away from equities and heightened volatility. With consumer sentiment at record lows — but consumer confidence improving ever so slightly — in March, Vijay Marolia, chief investment officer at Regal Point Capital, discusses why feelings make headlines but fundamentals make for better investment prospects. That's why he's leaning into some of the market's most beaten down sectors; he discusses his take on the private credit market and on how to lean into it for better yields without getting tripped up by the current-event risk, as well as what he expects from the Federal Reserve as it increasingly finds itself pinched between its dual mandates. David Trainer, founder/president at New Constructs takes a victory lap on his pre-IPO take that put $BIRD in #TheDangerZone before it even launched. Plus, Chuck answers a listener's question asking for clarification on how sequence-of-inflation risk works and how it differs in certain key ways from sequence-of-return risk. He has previously said, many times, that his big fear personally is sequence-of-return risk, and has said lately that prolonged inflation should have many people worrying about how it will impact their retirement if it remains sticky for the next few years.

On this episode of the Somewhat Frank Podcast, Frank Gruber (X and IG: @FrankGruber), Jen Consalvo (X: @noreaster), and Simon Kahan (IG: simonkahan) discuss the following topics: AllBirds from Billions to Millions. Pinch of Gold Dust May Be Secret to Bringing Longer Lasting and Safer Batteries to Market.  Anthropic's Claude Mythos Preview & Project Glasswing: The Model Too Dangerous to Release.   We also upload our episodes to YouTube in video format so you can see us now. Check it out on Established YouTube, where you can subscribe to get updates when we drop a new episode at: https://soty.link/ESTYouTube    As always, thank you for listening, and feel free to reach out and let us know what you think at: somewhatfrank@est.us 

In this episode, we unpack how the MAHA movement is accelerating change across the food industry, from FDA's new enforcement stance on “no artificial colors” claims and its push toward natural color additives, to retailer action like Target's decision to stop selling cereals containing synthetic dyes—putting fresh pressure on manufacturers to rethink formulation, labeling, and marketing strategies before regulatory shifts, private litigation, and shelf-space demands collide. Hosted by Simone Roach. Based on a blog post by Donnelly L. McDowell, Katie Rogers, and Cristina Ferretti.

Welcome to The Retirement Quick Tips Podcast, your daily guide to preparing for and living your best retirement. I'm your host Ashley Micciche, and this week's topic is: Oil, Iran, and a Rocky Quarter: Your Q1 2026 Market Debrief

The US delegation, led by Vice President Vance, left US-Iran talks in Pakistan to return to the US without an agreement after 21 hours of talks.US President Trump said the US Navy will begin the process of blockading any and all ships trying to enter or leave the Strait of Hormuz.US Central Command said it will begin implementing a blockade on all maritime traffic entering and leaving Iranian ports on April 13th at 17:00 Israeli time (15:00BST/10:00EDT).Crude futures surged with Brent crude back above the USD 100/bbl level following the failure of US-Iran talks in Islamabad and with the US to begin a naval blockade in the Strait of Hormuz.APAC stocks declined; European equity futures indicate a lower cash market open with Euro Stoxx 50 futures down 1.4%, off worst levels.Looking ahead, highlights include US Existing Home Sales (Mar), OPEC MOMR (Apr). Speakers include ECB's de Guindos, RBA's Hauser & Fed's Miran. Earnings from Goldman Sachs & LVMH.Read the full report covering Equities, Forex, Fixed Income, Commodites and more on Newsquawk

The cattle industry is currently navigating a period of historic highs and complex challenges, Jeff Swenson tells Stephanie Hoff. Swenson, meat and livestock specialist with the Department of Agriculture, Trade and Consumer Protection, says with cattle supplies at their tightest levels in years, the balance of power has shifted toward the producers, though high input costs continue to squeeze profit margins across the board.See omnystudio.com/listener for privacy information.

Welcome to the VRA Investing Podcast! On this Monday edition, Speaker A dives into an action-packed market recap, highlighting a powerful rally for the bulls and sharing key technical "tells" that signal further upside momentum. Drawing on decades of experience and the wisdom of mentors, Speaker A explains why recent market turmoil — whether driven by geopolitical events, economic fears, or political shifts — have ultimately proven to be short-lived corrections and buying opportunities.

With the US taking the lion's share of the headlines, you could be forgiven for forgetting that Mexico and Canada are also co-hosting the upcoming Fifa men's World Cup.While the US will host 78 of the 104 games, Mexico and Canada will each stage 13 games, in Mexico City, Monterrey, Guadalajara, Vancouver and Toronto.On the sidelines of March's Business of Soccer event in Atlanta, David Cushnan sat down with Héctor Gonzalez Iñarritu, COO and President of Business at Club América, and James Johnson, newly installed at Canadian Soccer Media & Entertainment, to hear more about both markets as they make final preparations for the tournament.Iñarritu runs LigaMX's most successful club, which plays home games at the newly-refurbished Azteca Stadium in Mexico City, venue for the first game of the World Cup. He shares what international visitors and businesses should expect when they enter the Mexican sports market. And Johnson, new to his post after a stint as CEO of Football Australia, explains the changes he's making to the way Canadian soccer is packaged and sold, and why he believes Canada will be the legacy story of this summer's tournament.

7. Bob Zimmerman: Bob Zimmerman reviews the burgeoning market for satellite internet constellations, comparing Amazon's LEO project with SpaceX's established Starlink. He also covers Chinese space ambitions, orbital repair startups like Astroscale and Starfish, and the push for capitalism in the final frontier. (7)1955 DESERT INN LV

Through the lens of Joseph's remarkable journey, Anne Graham Lotz and Rachel-Ruth Lotz Wright reveal how one man's life was turned upside down and set on a path he would have never chosen himself, but one that would lead to God's ultimate purpose for his life. With Scripture, personal stories of hardship, and the unshakable hope found in God's promises, Anne and her daughter, Rachel-Ruth will offer encouragement for anyone facing life's deepest struggles or just needing reassurance that God is in the details.Become a Parshall Partner: http://moodyradio.org/donateto/inthemarket/partnersSee omnystudio.com/listener for privacy information.

Markets are currently being shaped by geopolitical uncertainty, rapid technological change, and shifting investor behavior. In this episode, Andrew and Niels explore how these forces are influencing trend following and systematic investing. They discuss recent market volatility, the impact of global conflict on asset prices, and why traditional diversification assumptions are being tested. A key focus is the evolving structure of the CTA industry, including the rise of ETFs and the debate between complexity and simplicity in generating alpha. The conversation also examines replication strategies, implementation costs, and whether simpler approaches may deliver more efficient and consistent outcomes over time.-----50 YEARS OF TREND FOLLOWING BOOK AND BEHIND-THE-SCENES VIDEO FOR ACCREDITED INVESTORS - CLICK HERE-----Follow Niels on Twitter, LinkedIn, YouTube or via the TTU website.IT's TRUE ? – most CIO's read 50+ books each year – get your FREE copy of the Ultimate Guide to the Best Investment Books ever written here.And you can get a free copy of my latest book “Ten Reasons to Add Trend Following to Your Portfolio” here.Learn more about the Trend Barometer here.Send your questions to info@toptradersunplugged.comAnd please share this episode with a like-minded friend and leave an honest Rating & Review on iTunes or Spotify so more people can discover the podcast.Follow Andrew on Twitter.Episode TimeStamps: 01:27 - Geopolitical uncertainty and parallels to past crises03:13 - Why this crisis feels different from previous ones04:24 - Ideology, negotiation, and unintended consequences06:16 - AI, technology, and the changing global landscape10:58 - Technology dependence and societal tradeoffs12:37 - Market environment and trend following conditions16:02 - CTA performance and the macro “do over” of 202621:11 - Traditional markets vs systematic strategies22:39 - Hedge fund losses and dispersion across strategies25:48 - CTA alpha, simplicity, and ETF performance32:42 - Complexity vs efficiency in portfolio construction39:40 - Hidden implementation costs in systematic trading52:21 - QIS strategies and the illusion of beta57:43 - Structural challenges in QIS products01:03:12 - Index construction, research, and innovation constraints01:08:47 - Fees, transparency, and real investor costs01:12:41 - Product evolution and the future of systematic investingCopyright © 2025 – CMC AG – All Rights Reserved----PLUS: Whenever you're ready... here are 3 ways I can help you in your investment Journey:1. eBooks that cover key topics that you need to know about In my eBooks, I put together some key discoveries and things I have learnt during the more than 3 decades I have worked in the Trend Following industry, which I hope you will find useful. Click Here2. Daily Trend Barometer and Market Score One of the things I'm really proud of, is the fact that I have managed to published the Trend Barometer and Market Score each day for more than a decade...as these tools are really good at describing the environment for trend following managers as well as giving insights into the general positioning of a trend following strategy! Click Here3. Other Resources that can help youAnd if you are hungry for more useful resources from the trend following world...check out some precious resources that I have found over the years to be really valuable. Click HerePrivacy PolicyDisclaimer

Joe is joined by mixed martial artists John Rallo, Matt Serra, and Din Thomas.John Rallo owns Shogun Fights and is the owner and head coach at Ground Control Mixed Martial Arts Academy.www.groundcontrolbaltimore.comwww.shogunfights.comMatt Serra is a mixed martial artist and host of “UFC Unfiltered” with Jim Norton and “Geeking Out with Matt Serra.” He is the owner and an instructor at Serra BJJ.www.youtube.com/@MattSerraBJJwww.serrabjjacademy.comDin Thomas is a mixed martial arts analyst, actor, and host of “Din Thomas' Fight Court.”www.youtube.com/@FightCourt Perplexity: Download the app or ask Perplexity anything at https://pplx.ai/rogan. Make your sports picks with DraftKings Predictions, available in California, Florida, Texas and more. Download the DraftKings Predictions app today. Sign up using promo code ROGAN or at https://dkpred.sng.link/Ereb8/jbhu/dogs GUS III LLC d/b/a DraftKings Predictions is a CFTC-registered Introducing Broker and NFA member. Event contract trading involves substantial risk of loss and is not suitable for everyone. 1 per new Predictions customer. Opt-in req. Min. $5 traded. $50 issued in Predictions Dollars, which are site credits that are non-withdrawable, single-use, not redeemable for cash, and expire in 1 year. Predictions Dollars are used prior to any cash in your DraftKings Predictions balance. Ends 4/26/26 11:59PM ET. Market availability varies. Eligibility restrictions apply. Terms: https://dkng.co/predictionspromo. Sponsored by DK. Get Visible for just $20/mo for 1 year. Use code FRESHSTART. Switch & see terms at https://www.visible.com Learn more about your ad choices. Visit podcastchoices.com/adchoices