Podcasts about Median

Is your 401(k) really a "benefit"… or did you just get dropped into the government's boiling pot without noticing?

Hans and Brian challenge the conventional wisdom around qualified retirement plans and expose the misaligned incentives baked into the 401(k) system.Most people defend their 401(k)s and IRAs with passion—but they're carrying water for institutions whose goals directly conflict with their own. This episode breaks down the four things financial institutions want from your money, reveals the history of how employers shifted pension risk onto employees, and asks the critical question: whose incentives are you serving?The conventional model says lock your money away for 40 years, fund your own retirement, bear all the market risk, and hope you have enough at 65. The qualified plan gives you a 13-year window of control—you can't touch it penalty-free until 59.5, and RMDs force withdrawals starting at 73. That means if you live to 76, you only controlled your money 25% of your life. Meanwhile, the average person retiring today has $537,000 saved but needs $1.5 million. The system is failing, yet people aggressively defend it.Chapters:00:00 - Opening segment 03:40 - Revisiting fundamentals 04:25 - What do financial institutions want from you? 05:25 - The four goals: get your money, hold it systematically, keep it long, give back little 06:40 - We just described a qualified plan 07:50 - The 13-year window: locked until 59.5, forced RMDs at 73 08:45 - Tax benefits: the one real advantage of a Roth 10:00 - Why we're assuming Roth for this discussion 11:30 - The gray area in Roth tax code and the $42 trillion sitting in qualified plans 12:35 - Only controlling your money 25% of your life 13:20 - Teaching kids to be good stewards vs. locking their money away 14:30 - RMD penalties: 25% minimum, up to 50% in some scenarios 16:00 - TSP RMD mechanics: you can't choose which funds to liquidate 17:00 - Taking the employer match and using whole life as a volatility buffer 18:20 - Spending down qualified plans first, not leaving them to heirs 18:50 - The pension system: employers provided capital and bore market risk 21:20 - The shift: now employees fund their own retirement and bear all risk 23:10 - Stockholm Syndrome: aggressively defending the institutions that benefit 24:00 - Median household income $84K, needs $1.5M, average savings $537K 27:40 - Why the average is skewed by millionaires (statistical reality check) 29:25 - Comparing contractual guarantees to projections and prospectuses 31:00 - Strip away the labels: whole life is just an asset, just like mutual funds 32:20 - We want you to understand WHY you believe what you believe 33:35 - The rate of return objection and Nelson's tailwind example 36:15 - Whose incentives align with yours? Insurance companies vs. 401(k) managers 38:05 - Underwriting proves alignment: they want you healthy and financially stable 39:30 - Our mission: cut banks out, create tax-free estates, control your capital 41:15 - Closing thoughtsVisit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance )Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588 )Twitter: @remnantfinance (https://x.com/remnantfinance )TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBEGot Questions? Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar !

Kaupallinen yhteistyö: Aller Media NordicKauppa ei enää tee katetta pelkästään myymällä tuotteita vaan yhä useampi ketju alkaa kaupallistaa myös kaupan dataa, asiakaskohtaamisia ja myymäläympäristöjä. Tämä muuttaa koko kaupan ansaintalogiikkaa ja avaa kaupoille uusia liiketoimintamahdollisuuksia.Tässä IAB Finlandin podcast-jaksossa sukellamme siihen, miten halpakauppaketju Tokmanni laajentaa liiketoimintaansa retail median markkinoille ja samalla haastaa koko perinteisen mediakentän ajattelun. Retail mediassa voidaan hyödyntää lähes kaikki kaupan pinnat aina brändin omista kanavista ja printtilehdistä myymäläympäristöön ja digitaalisiin kanaviin. Jaksossa opit , millaisia mahdollisuuksia avoin retail media tarjoaa kaupan toimijoille ja miten brändit voivat tavoittaa kuluttajia hyödyntämällä kaupan ostosdataa Jakson vieraina ovat retail-median konkari Janne Lehtinen Aller ReTALEsta ja Tokmannin kaupallinen johtaja Veli-Pekka “VeePee” Ääri.Lue lisää retail median mahdollisuuksista: https://retale.fi/Kuuntele myös edellinen jakso retail median ajankohtaisista trendeistä: https://urly.fi/3Zp1

Holidays bring glitter and gravity at the same time. We're laughing about hot coffee and bulldogs one minute, then staring down the second anniversary of my dad's passing the next. That's real life at our place: farm chores, craft fairs, small business hustle, and the quiet question that keeps chasing me—am I still making him proud?We walk through the messy middle. I talk about avoiding my to-do list because I'm afraid of its size, watching the fences Dad and I built sag, and feeling like I don't stack up to the man who seemed to do everything. Then Mom gets a surprise video reading from a trusted medium, and detail after detail lands with impossible precision—first dates, favorite songs, a Christmas stocking we'd bought hours earlier, even the TV volume quirks she never mentioned. That validation cracks something open. We finally watch the tribute video I made for his service. It wrecks me in the best possible way.That night a dream arrives with steel-toe boots and an unshakable presence. I'm overwhelmed by bills and fear, and Dad walks up the stairs like he used to, hands me a look that burns brighter than words, and tells me everything without saying a thing: get up. From there we talk about practical hope—naming grief without feeding it, writing the list, accepting help, honoring signs without needing to control them, and choosing to live a life worthy of the people who loved us into being. If you've lost someone and still scan the sky for a sign, this conversation is for you.If this episode gives you a little courage or a little comfort, share it with someone who needs it. Subscribe, leave a review, and tell us: what's a sign that makes you feel your people are still with you?If you found value in today's show please return the favor and leave a positive review and share it with someone important to you! https://www.sharethestrugglepodcast.com/reviews/new/Find all you need to know about the show https://www.sharethestrugglepodcast.com/Official Facebook Page https://www.facebook.com/profile.php?id=100077724159859Join the 2% of Americans that Buy American and support American Together we can bring back American Manufacturing https://www.loudproudamerican.shop/Loud Proud American Facebook: https://www.facebook.com/LoudproudamericanLoud Proud American Instagram: https://www.instagram.com/loud_proud_american/Loud Proud American TikTok: https://www.tiktok.com/@loud_proud_americanLoud Proud American YouTube: https://www.youtube.com/channel/UCmYQtOt6KVURuySWYQ2GWtwThank you for Supporting My American Dream!

Stu Burguiere reacts to some popular information circling the mainstream media regarding the future of our housing market and explains why one MAJOR factor is missing from their calculus. Then Blaze News managing editor Rob Eno joins in to give us HIS roundup of how the mainstream media and Left are faring in Donald Trump's second term. And Stu checks in on his favorite new person: Olivia Nuzzi.  TODAY'S SPONSORS AMERICAN GIANT CLOTHING Buy American today at http://www.american-giant.com/STU and save 20% when you use the name ‘STU' at checkout   REAL ESTATE AGENTS I TRUST For more information, please visit http://www.realestateagentsitrust.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Kaupallinen yhteistyö: Aller Media NordicTässä IAB:n podcastissa syvennymme retail median ajankohtaisiin ilmiöihin: ekosysteemien avautumiseen, commerce median kasvuun, datan rooliin ja in-store-median uusiin mahdollisuuksiin.Jakson vieraana on Hannaleena Koskinen Aller Media Nordicilta. Keskustelussa pureudutaan muun muassa siihen, miten retail median ekosysteemit ovat avautumassa, ja miten asiakasdataa, ostodataa ja myymäläympäristöä voidaan hyödyntää entistä tehokkaammin. Jaksossa kuullaan myös, mitkä ovat retail median seuraavat kehitysaskeleet ja miten sisältöjen, datan ja monikanavaisuuden yhdistelmä tulee muuttamaan markkinointia.

Měly by strany poražené vládní koalice umožnit Andreji Babišovi menšinový kabinet a zabránit tak vzniku vlády ANO, SPD a Motoristů? O tom se vytrvale vedou spory od skončení voleb. Až nyní ale přichází agentura Median s prvním průzkumem, co si o tom vlastně myslí voliči vládních stran, stěhujících se do opozice.Všechny díly podcastu Názory a argumenty můžete pohodlně poslouchat v mobilní aplikaci mujRozhlas pro Android a iOS nebo na webu mujRozhlas.cz.

For decades, most medical and biological research has been conducted primarily on male volunteers and male animals in laboratory studies. One of the main reasons was convenience - male hormone levels are more stable, whereas female hormones shift across the menstrual cycle, introducing variability that researchers historically preferred to avoid. But that convenience has come at a cost. When treatments are developed and tested mainly in males, the results don't always translate well to female physiology. This means that women have often been prescribed medications or therapies that were never fully tested on their biology. In some cases, women have experienced more side effects, reduced effectiveness, or entirely different outcomes than men. As we learn more, it's becoming clear that male and female bodies age differently too. And new anti-ageing treatments may need to take these differences into account. A new study published in the journal Ageing shows exactly why. The researchers discovered a combination of two drugs that extended lifespan in frail, elderly male mice by an impressive 73 percent from the start of treatment while also improving their mobility, endurance and memory. However, the same therapy did not provide the same benefits to female mice. They tested oxytocin, which is known to support tissue repair, along with another drug known as OT+A5i, which blocks a key pathway involved in regulating cell growth, differentiation, and death. The study involved 25-month-old mice which is roughly equivalent to a 75-year-old human. In male mice: Lifespan increased by 73 percent from the start of treatment. Median lifespan increased by 14 percent. Risk of death at any time decreased three-fold. Endurance, grip strength, and agility improved. Short-term memory improved. Blood biomarkers shifted toward younger, healthier levels. But in female mice: No significant extension of lifespan. No consistent improvements in strength or memory. Blood biomarkers did not shift in the same way. Researchers suggest several possibilities for the difference: Female inflammatory signalling pathways differ from males Hormonal environments change ageing differently in men and women The interaction between oxytocin and TGF-beta networks may not play the same role in female tissues This highlights the point that ageing is not identical in men and women, and treatments to slow ageing may need to be tailored accordingly. See omnystudio.com/listener for privacy information.

Scott Winship analyzes 50 years of US median earnings, preferring the MACPI to accurately adjust for cost of living. He finds that the middle class is better off: women's earnings are up 120%, and men's are up 40–50%. Winship disputes populist theories that income inequality or the China shock are the main villains, noting that the worst period for young men was 1973–1989, predating those factors. Guest: Scott Winship.1/2

Avainmedian pitkäaikainen yhteistyökumppani Ukrainan helluntaikirkko järjesti syksyllä mediakoulutustapahtuman, johon kokoontui seurakuntien mediatyötä tekeviä vapaaehtoisia. Sodan keskellä median rooli toivon ja evankeliumin välittäjänä on korostunut entisestään. Samaan aikaan saamme tavoittaa belutši-kansaa sosiaalisen median avulla ja iloita ensimmäisistä syntyneistä seurakunnista. Hyviä uutisia mediatyöstä jakaa toiminnanjohtaja Ilpo Jokimäki.

The expert realtors at Berkshire Hathaway Premier Partners have some new statistics about first time homebuyers and how that age is not what we have seen in the past. Get the inside scoop on how you can position yourself to be a homeowner ahead of this trend.See omnystudio.com/listener for privacy information.

Expanding your wholesaling business into new markets? There's a strategy to doing it right.In this short but powerful episode, Brent “Mr. TTP” Daniels breaks down how to identify the best locations for your next deals — and shares simple yet effective ways to attract distressed property owners who are ready to sell. Enroll in Brent's TTP Training Program now to level up your wholesaling game!---------Show notes:(0:50) Beginning of today's episode(1:46) Affordable housing (2:01) Median sale price in your area(2:34) Look at the recent cash buyer activity(4:10) Go after the properties where there are signs of distress(5:54) Equity and motivation----------Resources:PropstreamZillowTo speak with Brent or one of our other expert coaches call (281) 835-4201 or schedule your free discovery call here to learn about our mentorship programs and become part of the TribeGo to Wholesalingincgroup.com to become part of one of the fastest growing Facebook communities in the Wholesaling space. Get all of your burning Wholesaling questions answered, gain access to JV partnerships, and connect with other "success minded" Rhinos in the community.It's 100% free to join. The opportunities in this community are endless, what are you waiting for?

In another special solo episode, Peter Walker dives deep into Carta's Q2 Fund Performance Report to unpack the data on what's really happening inside venture capital today.Peter walks through the critical benchmarks every GP and LP needs to know, from median and top-decile Net IRR, TVPI, and DPI across different vintages and fund sizes. He explains why the 2021 vintage is struggling, why small funds have higher performance dispersion, and how liquidity pressure is (or isn't) impacting GP behavior.He also introduces the single biggest theme defining venture in 2025: Concentration. Peter breaks down how this theme is affecting AI funding, geography, lead investor ownership, and even bridge rounds. Plus, he answers pre-submitted questions on follow-on strategy, liquidation preferences, and how to stand out to LPs in a crowded market.Q2 2025 VC Fund Performance Report:https://carta.com/data/vc-fund-performance-q2-2025/Subscribe to Carta's weekly Data Minute newsletter: https://carta.com/subscribe/data-newsletter-sign-up/Explore interactive startup and VC data, with Carta's Data Desk: https://carta.com/data-desk/02:03 – Chart 1: The VC fund universe (Fund sizes) 02:47 – Chart 2: Dry powder by fund size03:12 – Chart 3: Dry powder by vintage year04:14 – Chart 4: The hollowing middle of venture05:08 – Chart 5: LP count by fund size06:09 – Why are there fewer LPs in recent vintages?07:07 – Chart 6: The rise of the anchor LP07:51 – Digging into fund performance08:11 – What LPs really want to see (Net performance)09:03 – Chart 7: Net IRR by vintage year10:21 – Chart 8: IRR J-Curve (Why 2021 is struggling)11:59 – Chart 9 & 10: Top Quartile & Top Decile IRR13:05 – Chart 11: Do smaller funds outperform larger funds?14:55 – Chart 12: TVPI benchmarks (Median vs. Top Decile)15:34 – Chart 13-15: TVPI over time (Median, Top Quartile, Top Decile)16:50 – Why 3x net is a Top 10% goal, not Top Quartile17:15 – Chart 17: DPI (Money back to investors)18:26 – Chart 18: The psychology of liquidity (DPI > $1)20:01 – The broad venture context: Fundraising improves20:48 – Chart 20: The persistence of bridge rounds21:48 – Chart 21: Down rounds are decreasing23:04 – Are fund marks based on SAFEs? (No)23:55 – Chart 22: Time between rounds24:49 – Chart 23 & 24: Seed-to-A & A-to-B graduation rates27:39 – The 2025 Theme: Concentration28:05 – Concentration 1: The AI Boom29:31 – Concentration 2: More cash, fewer startups31:33 – Concentration 3: Lead investors are taking more32:52 – Concentration 4: "Preemptive" bridge rounds34:47 – Concentration 5: Geography (The Bay Area)37:46 – Start: Pre-submitted Q&A38:57 – Q1: Do mega-funds add value at seed?40:42 – Q2: How much should small funds reserve for follow-ons?42:47 – Q3: How common is investor-friendly structure? (Liquidation prefs)44:32 – On signaling risk45:35 – On LP pushback on fees & carry46:50 – On the state of exits (M&A vs. IPO)49:01 – On extended fund lifetimes (10 vs. 15 years)50:08 – On "no fee, carry only" funds53:10 – Key takeaways for fundraising GPs: Distinctiveness is keyThis presentation contains general information only and eShares, Inc. dba Carta, Inc. (“Carta”) is not, by means of this publication, rendering accounting, business, financial, investment, legal, tax, or other professional advice or services, and is for informational purposes only.  This presentation is not a substitute for such professional advice or services nor should it be used as a basis for any decision or action that may affect your business or interests. © 2025 eShares, 

The median net worth in America is surprising, but what does that really mean for your financial future? We break down what this number reveals about how Americans save, invest, and build wealth (and preview Friday's show which will dive deeper into these numbers). Then we answer your questions and get a shocking reveal from Brian on his new car. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jump start your journey with our FREE financial resources⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Reach your goals faster with our products⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Take the relationship to the next level: become a client⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube for early access and go beyond the podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Connect with us on social media for more content⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. ⁠⁠⁠DRINKAG1.com/MONEYGUY Learn more about your ad choices. Visit megaphone.fm/adchoices

First time homes buys median age is 40 years old HR 2 full 2344 Wed, 05 Nov 2025 17:11:50 +0000 RXee8bDNFd7r6BhacP8jesDfVocNXJsR news MIDDAY with JAYME & WIER news First time homes buys median age is 40 years old HR 2 From local news & politics, to what's trending, sports & personal stories...MIDDAY with JAYME & WIER will get you through the middle of your day! © 2025 Audacy, Inc. News False https://player.amperwavepodcasting.com?

Samppanjaa Milein voitolle | Tolvanen Ahola | #neuvottelija 358. Javier Milei voitti vakuuttavasti Argentiinan vaalit ja pystyy nyt jatkamanaan ilman peronistien vasemmistolaista myyräntyötä Argentiinan talouden tervehdyttämistä. Liberaali oikeistopolitiikka on kääntänyt Argentiinan kurssin. Jäävätkö Ranska ja Suomi ihmettelemään vasemmistotalouden tuhoa samalla kun kroonisesti velkaantunut Argentiina kohoaa uuteen nousuun? Studiossa juodaan pullollinen samppanjaa.00:00 ¡Que las fuerzas del cielo nos acompañen y viva la libertad carajo!00:20 Javier Milein vaalivoitto ja ennusteet01:47 Leikkausvertaus, yllätys äänestäjistä, Trumpin USA-swap tuki03:21 Aleksi Tolvanen, Amos Ahola ja Sami Miettinen sapeloivat skumppaa Milein kunniaksi03:58 Median reaktiot, peronismin kritiikki ja historian tarve06:21 LLA:n 40 % merkitys parlamentissa08:05 Veto turvassa, menolisäysten pysähdys ja senaatin rooli09:42 Juicio político torjuttu – reformivauhti kiihtyy11:36 Vertailu USA–Suomi: presidenttivallan erot13:15 Vahvat johtajat ja Ranska-sivupolku15:02 Libertaarijohto välttämätön – yhteistyö oikeiston kanssa17:14 Markkinareaktiot: Merval alas syyskuussa, ylös lokakuussa19:03 Mittarit: köyhyys ja inflaatio laskussa21:11 Taseen korjaus, menoleikkaukset ja tukien purku23:06 INDEC-köyhyysraportti ja laskeva trendi25:18 Swapit kriisivälineinä – mahdollinen USA-tuotto27:07 Velka vs. luottamus: default-historian painolasti29:36 Likviditeettijärjestelyt ja ylijäämäbudjetti31:28 Suomen kriisivertaukset ja tavoite katkaista default-kierre33:22 Velkasuhde ei kerro kaikkea – rahoituksen normalisointi35:10 Sopeutuksen tempo ja peronistiperinnön purku37:04 Suomen korkostrategian virheet ja korkokäyrän liike39:26 Pitkän koron lukitus, virkanimitysten vaikutus41:33 Ekonomistiroolit, Milein koulutus ja espanjankielinen kenttä43:27 Loppukauden näkymät: työmarkkinat, verotus, peso45:46 Loppukiitos ja siirto valuutta- ja kryptoaiheisiin SisäpiirissäKatso Sisäpirijaksot ja tue Samiahttps://www.youtube.com/channel/UCRI34L9OtDJuZpaWicbNXzg/join#neuvottelija Sami Miettinen

Since 2000, one of the most reliable sources of data on congregations in America has been the Faith Communities Today study, often referred to as FACT. It's been conducted every five years, with the most recent survey in 2023 representing tens of thousands of congregations across every major faith tradition. The FACT research gives us a clear picture of what the ‘typical' church looks like over time. And here's one of the most striking trends: in 2000, the median church in America had 137 people in attendance at weekly worship services. By 2023, that number had dropped to just 60. Today, Sam and Thom will talk about what that shift means for pastors, leaders, and the future of congregations. The post The Church Number: From 137 to 60 The Shrinking Median Church in America (2000–2023) appeared first on Church Answers.

Top Stories for November 1st Publish Date: November 1st From the BG AD Group Studio Welcome to the Gwinnett Daily Post Podcast. Today is Saturday, November 1st and Happy Birthday to Lyle Lovett I’m Peyton Spurlock and here are your top stories presented by Gwinnett KIA Mall of Georgia. More than 300 apartments OKed near Gas South District Peachtree Corners to hold dedication ceremony for historic Jones Bridge marker Atlanta area schools win $85,000 in great band challenge All of this and more is coming up on the Gwinnett Daily Post podcast, and if you are looking for community news, we encourage you to listen daily and subscribe! Break 1: KIA Mall of Georgia STORY 1: More than 300 apartments OKed near Gas South District Big changes are coming near the Gas South District—more than 300 new apartments, to be exact. Last week, Gwinnett County commissioners gave Hanover Company the green light to build a 306-unit complex at 1855 Satellite Boulevard, right across from Cross Pointe Church. The site? It’s currently home to two aging office buildings, one of which will be torn down to make room. The new apartments will include four five-story buildings, with 190 one-bedroom units and 116 two-bedrooms. Plans also feature a pool, fire pits, outdoor gathering spaces, and even resort-style patios. Access will be from Satellite Boulevard and the Kroger shopping center nearby. Brick and fiber cement exteriors, plus detached garages and carports, round out the design. Change is definitely on the horizon. STORY 2: Peachtree Corners to hold dedication ceremony for historic Jones Bridge marker Peachtree Corners is honoring a piece of its past with a new historical marker dedicated to the original Jones Bridge—the inspiration behind the city’s iconic pedestrian bridge. In partnership with PTC Arts, a nonprofit focused on bringing the community together through the arts, the city will unveil the marker on Friday, Nov. 7, at 11 a.m., right at the pedestrian bridge by Town Center. The original Jones Bridge, built in 1904, was more than just steel and wood—it was a lifeline, connecting farmers, merchants, and travelers across the Chattahoochee River. But time wasn’t kind. By the Great Depression, it was falling apart, and in 1945, most of the structure was dismantled and sold off under shady circumstances. The final piece collapsed into the river in 2018, ending its story—or so we thought. The pedestrian bridge, opened in 2020, keeps that legacy alive with its design, and now, the marker will ensure future generations know the history. Funded by PTC Arts, it tells the story of connection, resilience, and a bridge that once brought two counties together. The public’s welcome to join the ceremony. Details? Check out peachtreecornersga.gov. STORY 3: Atlanta area schools win $85,000 in great band challenge Ten Atlanta-area high school bands just walked away with a total of $85,000 in prizes, thanks to the fifth annual Great Atlanta Band Challenge. Sponsored by 1-800TruckWreck and Witherite Law Group, alongside Hot 107.9 and Majic 107.5/97.5, the competition celebrated the grit and talent of student musicians. South Gwinnett High snagged first place—and $20,000. Griffin High and Douglas County High followed, earning $15,000 each. The other seven finalists? They didn’t leave empty-handed, each taking home $5,000. Winners were announced on Oct. 24 with pep rally check presentations, complete with Hot 107.9’s Partyboi Deuce hyping up the crowd. This challenge, now in its fifth year, has become a lifeline for local music programs, helping fund instruments, uniforms, and more. We have opportunities for sponsors to get great engagement on these shows. Call 770.874.3200 for more info. We’ll be right back Break 2: Ingles Markets STORY 4: Carr joins other attorneys general in call for crackdown on intoxicating hemp products Georgia lawmakers are weighing tighter rules on intoxicating hemp products, but Attorney General Chris Carr? He’s going bigger—joining 38 other Attorney General’s in calling for a federal crackdown to pull these products off shelves entirely. Here’s the issue: gas stations and convenience stores are selling gummies, vapes, and drinks made from hemp that can get you just as high as marijuana. Why? A loophole in the 2018 federal law that legalized industrial hemp. Carr and his peers say bad actors are exploiting this “inadvertent ambiguity” to flood the market with unregulated, high-THC products. Carr’s office sounded the alarm Wednesday, citing a rise in kids accidentally ingesting these substances. But not everyone’s on board. Christopher Lackner, CEO of the Hemp Beverage Alliance, called the Attorney Generals’ letter “concerning.” He agrees dangerous, kid-targeted products need to go but argues that banning all intoxicating hemp products could crush a thriving industry. Meanwhile, Georgia lawmakers are trying to balance public safety with supporting the state’s growing hemp industry. It’s a messy debate. STORY 5: Housing Matters: Data says few housing options for Gwinnett’s poorest Skyrocketing housing costs are pushing Gwinnett residents into impossible situations—cramped hotels, couch-surfing, even homelessness. A new report from Builders Patch Housing Count shows just how bad it is: for every 100 renters in Gwinnett’s lowest income bracket (earning less than 30% of the area’s median income, or about $89,000), there are only 9 affordable units. Nine. And it doesn’t get much better as incomes rise—12 units for very-low income renters, 5 for low-income, and just 1 for middle-income families. The county needs 100,000 affordable units to close the gap. Meanwhile, rents are down 13% this year, but still average $1,900 for a two-bedroom. Median home prices? $412,000. STORY 6: Political shutdown fight over food stamps comes to Georgia The federal shutdown is about to hit hard. Starting today, over a million Georgians, many of them kids, could lose access to food stamps. No federal funding, no groceries. Governor Brian Kemp? He’s not budging. Despite $14 billion in state reserves, he’s refused to step in, calling it a “Schumer shutdown” and blaming Democrats in Congress. Meanwhile, families are bracing for empty plates. Food pantries like Feeding GA Families are already overwhelmed, with demand up 50%. Thanksgiving? It’s looking grim. And the blame game? It’s in full swing. Republicans point fingers at Democrats for blocking a funding resolution, while Democrats say Republicans are holding SNAP hostage over tax credits. STORY 7: Gwinnett SWAT team captures Marietta murder suspect A man accused of killing his stepfather in a Marietta apartment shooting is now in custody after a SWAT team arrested him in Gwinnett County. Pharron Carlos Banks, 26, had been on the run since Monday night, when police say he shot and killed 58-year-old Michael Jackson during a domestic dispute at the Briggs at Power Park apartments on Franklin Gateway. Officers arrived to find Jackson with multiple gunshot wounds. He was rushed to Wellstar Kennestone Hospital but didn’t make it. Banks had already fled. His car turned up in Atlanta near the university center, but Banks wasn’t with it. By Wednesday, Marietta police tracked him to a home in Gwinnett. After securing a warrant, Gwinnett’s SWAT team moved in, ordering Banks to surrender. He came out just after 5 p.m. and was taken into custody without incident. We’ll have closing comments after this Break 4: Ingles Markets Signoff – Thanks again for hanging out with us on today’s Gwinnett Daily Post Podcast. If you enjoy these shows, we encourage you to check out our other offerings, like the Cherokee Tribune Ledger podcast, the Marietta Daily Journal, or the Community Podcast for Rockdale Newton and Morgan Counties. Read more about all our stories and get other great content at www.gwinnettdailypost.com Did you know over 50% of Americans listen to podcasts weekly? Giving you important news about our community and telling great stories are what we do. Make sure you join us for our next episode and be sure to share this podcast on social media with your friends and family. Add us to your Alexa Flash Briefing or your Google Home Briefing and be sure to like, follow, and subscribe wherever you get your podcasts. Produced by the BG Podcast Network Show Sponsors: www.ingles-markets.com www.kiamallofga.com NewsPodcast, CurrentEvents, TopHeadlines, BreakingNews, PodcastDiscussion, PodcastNews, InDepthAnalysis, NewsAnalysis, PodcastTrending, WorldNews, LocalNews, GlobalNews, PodcastInsights, NewsBrief, PodcastUpdate, NewsRoundup, WeeklyNews, DailyNews, PodcastInterviews, HotTopics, PodcastOpinions, InvestigativeJournalism, BehindTheHeadlines, PodcastMedia, NewsStories, PodcastReports, JournalismMatters, PodcastPerspectives, NewsCommentary, PodcastListeners, NewsPodcastCommunity, NewsSource, PodcastCuration, WorldAffairs, PodcastUpdates, AudioNews, PodcastJournalism, EmergingStories, NewsFlash, PodcastConversations See omnystudio.com/listener for privacy information.

This is a free preview of a paid episode. To hear more, visit themmadrawpodcast.substack.comIt's been ages since we got a card at the Apex that had more than a single ranked fight on it, but this week, we've got one with three. That has to be a milestone, right? And get this, they've split them up so that we at least get one of them on the undercard. Are we looking at a new era being formed? Doubtful, but I am all about giving credit where it'…

This is a free preview of a paid episode. To hear more, visit themmadrawpodcast.substack.comIt's been ages since we got a card at the Apex that had more than a single ranked fight on it, but this week, we've got one with three. That has to be a milestone, right? And get this, they've split them up so that we at least get one of them on the undercard. Are we looking at a new era being formed? Doubtful, but I am all about giving credit where it'…

We are back, better than ever, and we invited another of our REAL SIBLINGS to join us as a guest.  Ken Seemann, professional technical writer and former statistics instructor helps us to articulate and 'splain you that' about Mean, Median, Mode and more.  We clarify and discuss how a population of data and  best statistical measure that describes the typical member of that population is or may be different. It is loaded with info. Thank YOU for joining and for listening.  It means a great deal to us.   Donna Reed and Eric Seemann are both professional real estate agents. Donna lives and works in Tucson Arizona with Keller Williams Southern Arizona while Eric lives and works in San Antonio Texas with Keller Williams Heritage. They are also siblings, and they grew up in a small Northwest Ohio village of Lindsey. Their idyllic small-town childhood laid the foundation for what would become the structure of their lives and careers in real estate. We hope you will join us as we reminisce, reflect, and correlate how our childhood and life in rural Ohio still impacts our dealings with our clients today. Website:  www.realsiblings.com Watch Episodes on YouTube at:  REAL Siblings, It Ain't Easy   To reach out to Donna: Email:  donna@reedtucson.com Phone: (520) 631-4638 Facebook: (2) Donna Seemann Reed | Facebook   To Connect with Eric: Email:  eric@victorsgrouptx.com Phone: (210) 389-6324 Facebook: (2) Eric V. Seemann | Facebook Texas Real Estate Commission - Information About Brokerage Services Texas Real Estate Commission - Consumer Protection Notice  

The Writing is on the Wall (Sermon Series on Daniel) - Sunday, 26th October 2025.[Episode 5 - Daniel Chapter 5 (KJV)]1 Belshazzar throws a party.Daniel 5:1-2  Belshazzar the king made a great feast to a thousand of his lords, and drank wine before the thousand. Belshazzar, whiles he tasted the wine, commanded to bring the golden and silver vessels which his father Nebuchadnezzar had taken out of the temple which was in Jerusalem; that the king, and his princes, his wives, and his concubines, might drink therein.2. The writing on the wall.Daniel 5:5-6  In the same hour came forth fingers of a man's hand, and wrote over against the candlestick upon the plaister of the wall of the king's palace: and the king saw the part of the hand that wrote. Then the king's countenance was changed, and his thoughts troubled him, so that the joints of his loins were loosed, and his knees smote one against another.3. Daniel interprets the writing.Daniel 5:22-27  And thou his son, O Belshazzar, hast not humbled thine heart, though thou knewest all this; But hast lifted up thyself against the Lord of heaven; and they have brought the vessels of his house before thee, and thou, and thy lords, thy wives, and thy concubines, have drunk wine in them; and thou hast praised the gods of silver, and gold, of brass, iron, wood, and stone, which see not, nor hear, nor know: and the God in whose hand thy breath is, and whose are all thy ways, hast thou not glorified: Then was the part of the hand sent from him; and this writing was written. And this is the writing that was written, MENE, MENE, TEKEL, UPHARSIN. This is the interpretation of the thing: MENE; God hath numbered thy kingdom, and finished it. TEKEL; Thou art weighed in the balances, and art found wanting.4. Belshazzar is killed and Daniel is exalted yet againDaniel 5:29-31  Then commanded Belshazzar, and they clothed Daniel with scarlet, and put a chain of gold about his neck, and made a proclamation concerning him, that he should be the third ruler in the kingdom. In that night was Belshazzar the king of the Chaldeans slain. And Darius the Median took the kingdom, being about threescore and two years old.

Jason discusses various economic and cultural trends impacting real estate investment. The core argument revolves around the decline in household size due to factors like lower marriage and fertility rates, the rise of feminism, and government policies like welfare programs, which consequently increases demand for housing units. Jason connects these societal changes to the desire of consumer product companies and taxing authorities to encourage single-person households and divorce to boost sales and tax revenue, respectively. Finally, he strongly advocates for direct investment in real estate over investing in syndications or funds, warning of potential fraud, incompetence, and excessive fees associated with those investment vehicles, citing a recent criminal indictment as an example, and arguing that when correctly calculated, real estate offers superior leveraged returns compared to the stock market or gold. Reach out to our investment counselors at 1-800-Hartman ext. 2 NOW! Check out our properties at https://www.jasonhartman.com/properties/  Analyze properties NOW. Get a FREE account at https://propertytracker.com/ today. https://fred.stlouisfed.org/  #HousingDemand #DecliningHouseholdSize #FewerPeoplePerHouse #FertilityDisaster #MarriageRateDecline #SecondWaveFeminism #BirthControlGamechanger #MediaFrenzy #EncouragingDivorce #ConsumerProducts #SellingMoreToasters #BrainwashingInstitutions #PublicSchools #NonFamilyHouseholds #LivingAlone #FatherlessHomes #AidToFamiliesWithDependentChildren #GreatSociety #RealEstateOpportunity #DirectInvestor #MaintainControl #CommandmentNumberThree Key Takeaways: 1:29 Changes in household size 7:17 Percentage of households by type 8:39 LBJ and "The Great Society" 10:20 The rise of living alone and the steady decline in household size 12:23 Median sale price year over year 13:06 Commandment #3 18:02 Current "guru" indicted 21:12 Asset price inflation since 2015 27:04 William Shakespeare and investing in income property today   Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com

Accunet Mortgage & Realty Show 10-11-2025: Market Insights and Client Success## Government Shutdown and Economic DataThe recent government shutdown left mortgage professionals without critical data like the jobs report. However, Bureau of Labor Statistics employees were recalled to complete the September Consumer Price Index report—needed for Social Security cost-of-living adjustments. This matters because CPI measures inflation, the primary driver of mortgage rates.## Global Markets Impact Your RateJapanese political developments unexpectedly moved U.S. mortgage rates this week. Coalition negotiations caused rates to rise Monday, then fall Friday when the coalition collapsed. While you shouldn't track Tokyo politics, this shows how rates reflect complex global factors beyond local conditions.## Rate Options: No Single AnswerThere's no single “rate today.” Borrowers choose different approaches—some pay no points, others buy down their rate. The decision depends on loan size, equity, timeline, and cash preferences. Choose what aligns with your financial strategy.## Southeastern Wisconsin MarketSeptember sales rose 3% year-over-year to 1,546 transactions, though 20% below pre-pandemic levels. About 60-65% of homeowners have rates under 4%, creating a “lock-in effect.”Median prices rose 7% to $362,500, but single-family homes ($390,000, up 10%) outpaced condos ($280,000, up 1.5%). Inventory is improving—new listings exceeded closings by 583 homes, creating a 2.5-month supply (still a seller's market but trending toward balance).Competition remains steady: 46% of homes sold above asking. With inflation stabilizing, buyers may be more selective, letting good homes move fast while mediocre properties linger.## Success Story: Value Acceptance WinsA buyer transitioning from Illinois won with a $20,000 over-ask offer using strategic advantages:- **Value Acceptance**: Property qualified for no-appraisal at their offer price—eliminating risk and delays- **Proactive Communication**: Calling the listing agent to highlight this advantage- **Speed**: 10% down ready, committed to 2.5-week closeLesson: Combine financial readiness, strategic advantages, clear communication, and speed.## Smart Down Payment StrategyA buyer planning $43,000 down (12%) explored alternatives: Every $1,000 in down payment changed their monthly payment by only $6.50. Keeping $10,000 in savings costs about $65 monthly—roughly two restaurant deliveries.For homes needing work, having cash for repairs might outweigh minimal payment savings.**Balance Three Factors**: Money leaving savings, money remaining for reserves, and monthly payment comfort. The best choice depends on your situation, not generic rules.## Refinance RealityDon't wait for a full percentage point drop. On a $500,000 loan, even 0.5% saves $244 monthly—nearly $3,000 annually. Consider absolute savings and break-even timeline, not arbitrary rules.## Key TakeawaysMarkets are complex and globally connected. The best mortgage matches your specific cash position, income trajectory, and goals—not one-size-fits-all advice. Competitive success requires financial readiness, speed, and understanding advantages like value acceptance. Local dynamics matter most. Cash versus equity decisions should reflect your priorities and circumstances, helping you find what works best for your life and financial situation.​​​​​​​​​​​​​​​​

Welcome to the "Saturday Morning Golf Stat" from the Hack it Out Golf Podcast. How far do golfers really hit their drives? Yes, increasing distance might help, but knowing the typical driver distance for your target index is really helpful. In this episode, Lou asks Mark and Greg how far a 5, 15, and 25 handicap golfer hits their drivers, and then they discuss the value of realism in your distances. Each of these will be a mini-episode (10-15 minutes long) about an interesting golf stat. We will discuss what you can learn, and most importantly, how you can apply this on the golf course to lower your scores and lower your handicap. Listen on your drive to the golf course or over your Saturday morning coffee! Data is sourced from Arccos Golf. They have over 1 BILLION shots in their database.  Check them out at: https://www.arccosgolf.com/  Use code DATALOU15 for 15% off! Learn more about your ad choices. Visit megaphone.fm/adchoices

What would change if you stopped chasing one off flips and rebuilt a real business that runs without you? In this episode of the Real Estate Excellence Podcast, Tracy Hayes sits down with Tiffany High. Tiffany lays out how she left a demanding corporate path to be present for family, stumbled into flipping, then scaled from 40 flips in year one to a virtual operation closing 20 plus deals a month. The turning point was tearing everything down in 90 days and rebuilding with systems, training, and leadership so the company could run without constant firefighting. She explains why newbies should start with wholesaling, how to use licensed inspections plus a GC to scope work, and why leverage and team building beat solo grind. The theme is simple. Real estate is copy and paste when you install infrastructure and remove limiting beliefs. If you are ready to replace hustle with a system, check out the four week Real Estate Business Accelerator and grab a seat at the Columbus workshop. Start implementing one channel, one closer, one scorecard today.   Highlights: 00:00 - 09:59 Origin story and first flips ·        Leaving corporate to support family ·        Discovering flipping and investing in education ·        First 40 flips as a one person show ·        Early mistakes without CRM or lists ·        Why wholesaling should have come first 10:00 - 19:59 From grind to systems ·        Hiring a GC before subs ·        Virtual acquisitions and scope of work flow ·        Inspector plus GC on site together ·        Cosmetic rehabs over gut jobs ·        Median price focus for multiple exits 20:00 - 29:59 Rebuilding the business ·        Year two crash and 90 days reset ·        Installing onboarding training tracking ·        Each closer worth eight deals a month ·        Leadership and removing limiting beliefs ·        Option freedom through leverage 30:00 - 39:59 Marketing and deal flow ·        Diversified channels inbound and outbound ·        Partnering with a realtor team for listings ·        San Diego success case million-dollar month ·        Define success then reverse engineer 40:00 - 49:59 Money and risk management ·        Private lenders and double-digit returns ·        Deals versus business capital ·        Why real estate beats stocks for control ·        Lender package inspections comps photos ·        Only funding deals you would take over 50:00 - 01:00:53 Wholesaling first and next steps ·        What wholesaling is and why to begin there ·        Contract timelines 30 day close 21-day inspection ·        Dispo in under three weeks with buyers list ·        Workshops plus four-week accelerator outline ·        Tactical podcast for ongoing execution   Quotes: “Flipping a house is not a unique thing. It is a copy and paste system.” – Tiffany High “We rebuilt every aspect in less than 90 days and did 300 deals after that.” – Tiffany High “We lock everything up virtually over the phone through an acquisitions process.” – Tiffany High “Success is you define it. Our job is to get you to where you want to go.” – Tiffany High   To contact Tiffany High, learn more about her business, and make her a part of your network, make sure to follow her on her Website, Instagram, Facebook, YouTube, LinkedIn, and Podcast.   Connect with Tiffany High! Website: https://resultsdrivenrei.com/ Instagram: https://www.instagram.com/tiffanyhighofficial/ Facebook: https://www.facebook.com/officialtiffanyhigh  YouTube: http://www.youtube.com/@resultsdriven-rei Podcast: https://www.theresultsdrivenpodcast.com/   Connect with me! Website: toprealtorjacksonville.com   Website: toprealtorstaugustine.com    SUBSCRIBE & LEAVE A 5-STAR REVIEW as we discuss real estate excellence with the best of the best.   #RealEstateExcellence #TiffanyHigh #RealEstateInvesting #WholesalingHouses #HouseFlipping #VirtualFlipping #Acquisitions #Dispositions #PrivateLending #RealEstateSystems #KPI #CRM #DealFlow #MarketingChannels #GC #HomeInspection #MindsetShift #Leadership #OptionFreedom #ResultsDriven #ColumbusRealEstate #SanDiegoRealEstate

The federal government was left in the dark about last month's deadly Optus triple 0 outage because the telco sent the notification email to the wrong address; A stark new report shows Australia's rental crisis is deepening, with soaring prices forcing people further away from their jobs and communities; A legendary rite of passage for generations of young Australians is coming to an end, with the era of large-scale European coach tours set to finish next year; And fans are sending their best wishes to country music legend Dolly Parton, after her sister made a public plea for prayers amid the star's ongoing health issues. Support independent women's media CREDITS Host/Producer: Gemma Donahoe Audio Production: Lu Hill Become a Mamamia subscriber: https://www.mamamia.com.au/subscribeSee omnystudio.com/listener for privacy information.

In this JCO Article Insights episode, Dr. Ece Cal interviews Dr. Martin Wermke, author of the JCO article, "Phase I Dose-Escalation Results for the Delta-Like Ligand 3/CD3 IgG-Like T-Cell Engager Obrixtamig (BI 764532) in Patients With Delta-Like Ligand 3+ Small Cell Lung Cancer or Neuroendocrine Carcinomas." TRANSCRIPT The disclosures for guests on this podcast can be found in the transcript. Dr. Ece Cali: Welcome to this episode of JCO Article Insights. This is Dr. Ece Cali, JCO editorial fellow, and today I am joined by Dr. Martin Wermke, Professor for Experimental Cancer Therapy at Dresden University of Technology, to discuss the manuscript “Phase 1 Dose-Escalation Results for the Delta-Like Ligand 3/CD3 IgG-like T-Cell Engager Obrixtamig in Patients with DLL3+ Small Cell Lung Cancer or Neuroendocrine Carcinomas.” Obrixtamig is a bispecific T-cell engager that binds to DLL3 on tumor cells and CD3 on T-cells. This manuscript presents the phase 1A dose escalation results of Obrixtamig in patients with DLL3+ small cell lung cancer and neuroendocrine carcinomas. In this study, 168 patients were treated with Obrixtamig across four different dosing regimens. 49% of the patients had small cell lung cancer, 42% had extrapulmonary neuroendocrine carcinoma, and 8% had large cell neuroendocrine carcinoma of the lung. Patients received a median of two prior lines of therapy. 33% of the patients had brain metastases at baseline. Of note, this trial did not mandate baseline brain imaging. Maximum tolerated dose was not reached. 88% of the patients experienced a treatment-related adverse event, however, only 3.6% of the patients had to discontinue treatment due to treatment-related AEs, and dose reduction due to treatment-related AEs was documented in 2.4% of the patient population. Similar to the other DLL3-targeted bi-therapies, the most common adverse events included CRS in 57%, dysgeusia in 23%, and pyrexia in 21% of the patients. CRS events were mostly mild. They occurred more frequently in the first two to three doses. 9% of the patients experienced ICANS, of which 3% were graded as Grade 3 or higher. And let's review the efficacy results. Responses were only seen in patients who received 90 microgram per kg or more once weekly or once every three weeks dosing. The objective response rate in patients who received an effective dose was 28%. If we review by tumor type, 21% of the small cell lung cancer patients, 27% of the extrapulmonary neuroendocrine carcinoma patients, and 70% of the large cell neuroendocrine carcinoma patients had objective response. Median duration of response was 8.5 months, though this data is immature due to short follow-up. Dr. Wermke, DLL3-targeted bispecific T-cell engagers are reshaping the treatment landscape of small cell lung cancer. This trial investigates Obrixtamig in other high-grade neuroendocrine tumors as well. Can you put this trial into context for us and explain why it may represent an important step forward? Dr. Martin Wermke: Yeah, thank you for providing me with the opportunity to discuss our data today. I think the data with Obrixtamig in small cell lung cancer are largely similar to what has been observed with other bispecific T-cell engagers such as tarlatamab with respect to the response rate and duration. It has, however, been to be mentioned that BI 1438001 had a bit more liberal inclusion criteria than other trials around. You already mentioned the fact that we allowed the inclusion of patients without mandatory brain imaging, which led to some patients having their brain mets been diagnosed during the treatment with obrixtamig and then adding to the progressive disease patients. That is something which was not the case with the tarlatamab trials where you really had to have a brain imaging before, and in the Phase 1 trial you were even required to treat the brain mets before you included the patient. So it is a bit different, more poorest patient population. I think the trial adds on existing data by being the first trial to also include non-SCLC neuroendocrine carcinoma of other origin, for example from the gastrointestinal tract, and also by including large cell neuroendocrine carcinoma of the lung, which is a really hard to treat pulmonary neoplasm which currently lacks any standardized treatment. So that is really a step forward which we will build on in the future. Dr. Ece Cali: And one thing I would note in this trial, only patients with tumor expressing DLL3 were enrolled. Can you tell us a little bit more about this target, DLL3 in the context of neuroendocrine tumors, and does DLL3 expression predict clinical outcomes after treatment with DLL3 BiTEs, or do we actually need other predictive biomarkers for these novel agents? Dr. Martin Wermke: Yeah, thank you. That's a pretty interesting question. First of all, DLL3 is an atypical notch ligand, which is expressed by the majority of neuroendocrine carcinomas, virtually absent on healthy adult tissues. Therefore, turning it really into a bona fide target for T-cell engaging therapies, pretty low risk for on-target off-tumor side effects. We found that in all the patients we screened, we had an expression rate of about 94% in small cell lung cancer, 80% of large cell neuroendocrine carcinoma of the lung were positive, and also about 80% of the extrapulmonary neuroendocrine carcinoma. So it's really a high prevalence. So the fact that we only included DLL3+ tumors still means we included most of the patients that presented with these diseases. I think at the moment there are no data suggesting a clear-cut association between DLL3 expression levels and outcome on DLL3 CD3 T-cell engagers. There's also not a lot published. If you want to find this out for tarlatamab, you have to look into their patent to really see the data, but it's not clear-cut and I'm sure we need other markers to complement that. And I think what probably plays a major role is intrinsic T-cell fitness. So the question how really diseased your T-cells are, how old you are, because age also correlates with the fitness of the immune system, and other patient characteristics such as tumor burden, we've seen all across the board that the higher the tumor burden, the lower the rate of prolonged response is in such trials. And I also think we need to focus on other components of the tumor microenvironment. So see how high the T-cell infiltration with obrixtamig is and how abundant suppressive elements like regulatory T-cells or myeloid-derived suppressive cells are. That is work which is currently being done. Data are emerging, but I don't think that at the moment we have any clear biomarker helping us to select who should not receive DLL3 T-cell engagers. Dr. Ece Cali: Those are great points and there is a lot we need to learn about how to use these novel agents in the future. I'd like to highlight the results in large cell neuroendocrine carcinoma of the lung. The response rate in this group was remarkably high at 70%. Though we should note the small sample size of only 14 patients in this trial. After first line chemoimmunotherapy, current approved options for this population have very modest clinical activity. Given these trial results, how do you envision the field moving forward for patients with large cell neuroendocrine carcinoma? Dr. Martin Wermke: Yeah, I think LCNEC is really an area which urgently needs further improvement of therapeutic standards. At the moment, as I said, there is no real standard. We are usually extrapolating from results we have in small cell lung cancer or non-small cell lung cancer, but I don't think we have too many prospective trials really informing this. Of course, 14 patients is a small sample size, but I think it's still fair to say that we can claim that DLL3 T-cell engagers are not doing worse in LCNEC than they do in SCLC. And that's why I think we really need to move forward clinical trials that are specifically targeting this population. Although I fear a bit that, given the rareness of this disease and the aggressiveness of its phenotype, that this is probably not the main focus of the pharmaceutical industry. So I think it's up to us academic investigators to really come up with investigator-initiated trials trying to fill the knowledge gaps we have here. Dr. Ece Cali: And one more thing that I want to talk about is the accessibility for these drugs. These novel agents are showing real promise in improving outcomes for patients with high-grade neuroendocrine tumors, an area where progress has been limited until very recently. However, as DLL3 BiTEs become more widely used, issues of logistics and access come into sharper focus. With unique toxicities and the specialized monitoring, their use is restricted to certain centers. Looking ahead, what kinds of strategies could help mitigate some of these adverse events or make these treatments more broadly available? Dr. Martin Wermke: Yeah, I think if you look at countries like the United States where tarlatamab has already been approved, we can see how the management strategies are evolving. I've heard about a colleague equipping their patients with thermometers and a pill of Dexamethasone, alongside with a temperature control protocol and clearly instructing them, "If you measure a temperature above a certain level then start taking the Dexamethasone and come back to our office and we're going to take care of you." I think that's one way to move forward. I think we are lucky in a way that CRS usually manifests within the first 24 hours. This was the same in our study, like in the tarlatamab studies. So we really know when the time of trouble is for our patients. And in this time, I think we need to instruct the patients to stay close to the hospital. I don't think we need to hospitalize all of them, but we probably need them to stay in a nearby hotel to be able to reach the emergency room if needed in a short period of time. And I think we can also learn in this strategy how to manage bispecific antibodies from the experience our colleagues in hematology had because they have been using bispecific T-cell engagers for quite some years right now and they developed strategies and networks that were able to successfully treat these patients also on an outpatient basis. And I think that is clearly an experience we need to follow, acknowledging that we are talking about diseases which are much more frequent than the standard hematology indications. Dr. Ece Cali: Thank you so much, Dr. Wermke, for this informative discussion and for sharing your perspective on this evolving field. Dr. Martin Wermke: Yeah, thank you for providing me with the opportunity to talk about data. It was really great being able to share that, and I really think that we are just at the beginning of a new exciting area for the treatment of neuroendocrine carcinomas, and I think much improvement is yet to come for our patients. Dr. Ece Cali: Yes, that's really exciting. And thank you everyone for listening to JCO Article Insights. Please come back for more interviews and article summaries and be sure to leave us a rating and review so others can find our show. For more podcasts and episodes from ASCO, please visit asco.org/podcasts. The purpose of this podcast is to educate and to inform. This is not a substitute for professional medical care and is not intended for use in the diagnosis or treatment of individual conditions. Guests on this podcast express their own opinions, experience, and conclusions. Guest statements on this podcast do not express the opinions of ASCO. The mention of any product, service, organization, activity, or therapy should not be construed as an ASCO endorsement. Dr. Martin Wermke's Disclosures Honoraria: Lilly, Boehringer Ingelheim, SYNLAB, Janssen, Merck Serono, GWT, Amgen, Novartis, Pfizer,  BMS GmbH & Co. KG, Regeneron, MJH/PER, Takeda Consulting or Advisory Role: Bristol-Myers Squib, Novartis, Lilly, Boehringer Ingelheim, ISA Pharmaceuticals, Amgen, immatics, Bayer, ImCheck therapeutics, AstraZeneca, Tacalyx, Regeneron, Daiichi Sankyo Europe GmbH, Zymeworks, PharmaMar, Iovance Biotherapeutics, T-Knife, Genentech Research Funding: Roche Patents, Royalties, Other Intellectual Property Travel, Accommodations, Expenses: Pfizer, Bristol-Myers Squibb, AstraZeneca,  Amgen,  GEMoaB, Sanofi/Aventis, immatics,  Merck Serono, Janssen Oncology, Iovance Biotherapeutics, Daiichi Sankyo Europe GmbH"

As new data shows mortgage payments are soaring over $1,100 more than rent each month, and 88% of renters are priced out of the market, renting isn’t just a choice—it’s becoming a necessity. Paul Smith, Executive Director with The Rental Housing Association of Utah joins the show to discuss renting in Utah.

The median Seattle couple with kids makes $250,000 // Mackenzie Scott donates $70 million to UNCF // AGREE TO DISAGREE: Is America dealing with shared national trauma? // WE HEAR YOU! and WORDS TO LIVE BY

Our CIO Mike Wilson joins U.S. Equity strategist Andrew Pauker to answer frequently asked questions about their latest economic outlook, including how U.S. equities are transitioning to a new bull market. Read more insights from Morgan Stanley.----- Transcript ----- Mike Wilson: Welcome to Thoughts on the Market. I'm Mike Wilson. Morgan Stanley's CIO and Chief U.S. Equity Strategist. Today we're going to try something a little different. I have my colleague, Andrew Pauker from the U.S. Equity Strategy Team here to discuss some of the client questions and feedback to our views. It's Monday, September 22nd at 11:30am in New York. So, let's get after it. Andrew, we constantly deal with client questions on our views. More recently, the questions have been focused on our view that we've transitioned from a rolling recession to a rolling recovery in a new bull market. Secondarily, it's about the tension between the equity market's need for speed and how fast the Fed will actually cut rates. Finally, why is accelerating inflation potentially good for equities? Where do you want to start? Andrew Pauker: Mike, in my conversations with clients, the main debate seems to be around whether the labor cycle and earnings recession are behind us or in front of us. Walk us through our take here and why we think the rolling recession ended with Liberation Day and that we're now transitioning to an early cycle backdrop. Mike Wilson: So, just to kind of level set, you know, we've had this view that – and starting in 2022 with the payback and the COVID demand. And from the pull forward – that began, what we call, a rolling recession. It started with the technology sector and consumer goods, where the demand was most extreme during the lockdowns. And then of course we've had recessions in housing, manufacturing, and other areas in commodities. Transportation. It's been very anemic growth, if any growth at all, as the economy has been sort of languishing. And what's been strong has been AI CapEx, consumer services, and government. And what we noticed in the first quarter, and we actually called for this almost a year ago. We said now what we need is a government recession as part of the finishing move. And in fact, Doge was the catalyst for that. We highlighted that back in January, but we didn't know exactly how many jobs were lost from Doge's efforts in the first quarter. But we got that data recently. And we saw an extreme spike, and it actually sort of finished the rolling recession. Even AI CapEx had a deceleration starting in the summer of 2024. Something else that we've been highlighting and now we're seeing pockets of weakness even in consumer services. So, we feel like the rolling recession has rolled through effectively the entire economy. In addition to the labor data that now is confirming – that we've had a pretty extreme reduction in jobs, and of course the revisions are furthering that. But what we saw in the private sector is also confirming our suspicions that the rolling recession's over. The number one being earnings revision breath, something we've written about extensively. And we've rarely seen this kind of a V-shaped recovery coming out of Liberation Day, which of course was the final blow to the earnings revisions lower because that made companies very negative and that fed through to earnings revisions. The other things that have happened, of course, is that Doge, you know, did not continue laying people off. And also, we saw the weaker dollar and the AI CapEx cycle bottom in April. And those have also affected kind of a more positive backdrop for earnings growth. And like I said before, this is a very rare occurrence to see this kind of a V-shape recovery and earnings revision breaths. The private economy, in fact, is finally coming out of its earnings recession, which has been in now for three years. Andrew Pauker: And I would just add a couple of other variables as well in terms of evidence that we're seeing the rolling recovery take hold, and that Liberation Day was kind of the punctuation or the culmination of the rolling recession, and we're now transitioning to an early cycle backdrop. So, number one, positive operating leverage is causing our earnings models to inflect sharply higher here. Median stock EPS growth, which had been negative for a lot of the 2022 to 2024 period is now actually turning positive. It's currently positive 6 percent now. The rolling correlation between equity returns and inflation break evens is also now significantly positive. That's classic early cycle. That's something we saw, you know, post COVID, post GFC And then lastly, just in terms of the market internals and kind of what, you know, under the surface, the equity market is telling us. So, the cyclical defensive ratio was down about 50 percent into the April lows. That's now up 50 percent from Liberation Day and is kind of breaking the downtrend that began in April of 2024. So, in addition to the earnings revisions V-shaped recovery that you mentioned, Mike. Those are a couple of other variables as well that are confirming that we're moving towards an early cycle backdrop and that the ruling recovery is commencing. Okay. So, we had the FOMC meeting. As expected the Fed delivered a 25 basis point cut. Mike, what's your read on the meeting as it relates to equities and the reaction function? Mike Wilson: Yeah, I mean this is really what we expected along with the consensus. We didn't have a different view that the Fed would give us 50. They gave us 25, and some people have characterized this as sort of a hawkish cut and very different than what we saw a year ago when the Fed kicked off that part of the rate cutting cycle with 50 basis points because they probably were worried a bit more about the labor market than they were about inflation. But you know, ultimately we think the labor data is going to get worse or the payroll data will prove to be worse because of the delay between the Doge layoffs and when those folks can file for unemployment insurance, which should be in October. And it's that delayed data that will then get the Fed cutting in earnest, which is what's necessary for the full rotation to kind of the lower quality parts of the market. So, while you're right that we've seen cyclicals perform, they haven't performed in the same way that we've seen prior cycles, like in 2020 or [20]08-[20]09, because the Fed hasn't cut. They're very far behind the curve. If you buy into our thesis that, you know, we had a rolling recession, we had an employment cycle, and they should be much more generous here. So that tension between the Fed's delay to get ahead of the curve and the market's need for speed to get there sooner and more deliberately – is where we think that, you know, we have to wait for that to occur to get the full rotation to the lower quality, kind of really cyclical parts of the market. Andrew Pauker: Okay, so let's talk about the back end of the yield curve a little bit and why that's important for stocks. In my dialogue with investors, there's a lot of focus here, just given what happened last fall when the Fed cut at the front end and the back end of the yield curve move higher. How should market participants think about this dynamic? Mike Wilson: Yeah, I mean, I think this is an unknown known, if you will, because we saw this last fall. Where the Fed cut 100 basis points and the back end of the 10-year and 30-year Treasury market sold off. That's the first time we've ever seen that in history, where the Fed cuts that aggressively and the backend moves out. And this is a function of just all the fiscal imbalances and the debt issues that we face. And this is not a new issue. So, I think it remains to be seen if the bond market is going to be comfortable with the Fed not ignoring the 2 percent target – but you know, letting it run hot. As we've said, we think ultimately, they will have to let it run hot and they will, because that's what we need to have a chance at getting out of the debt problem. And so that sort of risk is still out in the future. I have less concern about that more recently because of the way the backend of the bond market has traded. But it's something that we need to keep in the back of our mind. If yields were to go back to 4.50, which is our key level, then that would be a problem as long as we're below, you know, sort of 4.50 and we're well below that now we're close to 4, I don't think this is a problem at all. Andrew Pauker: Yeah. One of the points that our colleague in rate strategy Matt Hornbach has highlighted is that the difference between now and the fourth quarter of last year when we saw that dynamic play out was that, you know, the bond market was very focused on the uncertainty around the fiscal situation. You know, we were going into an election, there was a fair amount of uncertainty around what Trump would do from a fiscal standpoint.And now, that is a known known, you know. We have the One Big Beautiful Bill signed into law. We know what the deficit impact is, so there is more clarity for the bond market on that front. So that is one key difference now versus last fall and why we may not see the same kind of reaction in the rates market. Mike, you brought up, kind of, run it hot, which was the title of our note from a couple of weeks ago. I just wanted to get your take on why some inflation coming back is actually a positive for equities and why actually the deceleration that we've seen in inflation over the last couple years is one reason why earnings for small cap indices, for instance, have deteriorated so much. And so, for in this environment where the Fed is perhaps a bit more tolerant of inflation in 2026, why that's actually a positive for equities. Mike Wilson: This is just an underappreciated sort of factoid that we actually identified back in 2020 and [20]21 as well. That when inflation is accelerating, that's a sign that pricing power is pretty good. And we actually see broader earnings. In fact, the best year for earnings, not just small caps, but the – call it the equal weighted S&P 500 was 2021. And that was the year where obviously inflation was really getting out of control. That was just pure profit for a lot of these businesses. And so – earnings will be better. Our call over the next 12 months is not about multiples or the Fed so much, but that we think earnings are going to end up being better than people expect because (a) we've been through this three-year earnings recession. There's a ton of pent-up demand. Okay? And now inflation is reaccelerating as demand comes back. And that is actually going to fall to the bottom line. So not only is that good for stocks, okay, but it's actually, it's also why the equity risk premium can be lower. Because if you want to hedge that risk of inflation moving higher, well then you should be willing to accept a lower equity risk premium relative to what is actually a pretty good base rate for 10-year yields, close to 2 percent on a real basis. So, you know, that's why the equity risk premium can stay low and why stocks can accrue at a, you know, pretty high PE multiple as these earnings come through better than expected. And one of the reasons is that inflation actually is accelerating in some of these areas where it's been deflationary. Andrew Pauker: Lastly, Mike, you know, you brought this up briefly. I want to address rotations under the surface of the market. We took off our large cap buys a few weeks ago, and as you mentioned, kind of signaled our intention – to get more constructive on small caps later this year in the fourth quarter. Can you specifically kind of walk through the signpost that we're waiting for before pressing the long, small cap trade here? Mike Wilson: Yeah, I mean, we've probably… This is probably one of the areas we've done a really good job of just, you know, staying away from the fray. Meaning that, you know, we've been underweight small caps for really four years, and they've underperformed that entire time. I think the thing that we've been really patient about is just waiting for the Fed to lower rates to a level that's more conducive for these businesses that (a) need to obviously recap themselves, but then the cost of capital is just too high. So that's number one. But , at the end of the day, I mean, that should translate into better earnings revisions and that also has lagged. So, it's a combination of the two. The Fed getting ahead of the curve, which I would define as fed funds at least equal to two-year Treasury yields, but hopefully below two-year Treasury yields. Right now, we're about 60-65 basis points still above two-year yields . And then the second one is this ‘earnings your vision breadth on a relative basis. Small over large. It is trying to turn up now. It's been in a straight downtrend really for the last, you know, four years. And so those two together will affect a more robust relative outperformance. And just to be clear, small caps have done really well since Liberation Day, okay. So, in absolute terms, it's been great. It's just the relative trade has not really worked yet. That's where we're going to leave this conversation. Thanks for speaking with me, Andrew, to explain some of the thinking behind our calls. To our listeners, thanks for tuning in. I hope you found it informative and useful, and let us know what you think by leaving us a review. If you think Thoughts on the Market is worthwhile, tell a friend or colleague to try it out.

Do sněmovních voleb v Česku zbývají méně než dva týdny. Záříjový průzkum agentury Median pro Radiožurnál a iRozhlas.cz ukázal, že nejpřijatelnější vládou by byl pro Čechy a Češky jednobarevný kabinet hnutí ANO, pro což se vyslovilo více než čtyřicet procent lidí. Na druhém místě skončila s podporou sedmatřeceti procent koaliční vláda ANO a SPD s tím, že na třetím se umístila někdejší pětikoalice Spolu, STAN a Pirátů. Jaké scénáře Českou republiku od října čekají? Jaká je pravděpodobnost, že by se ČR vydala stejným směrem, jako Slovensko po zvolení současné vlády Roberta Fica? A v čem má společnost v těchto turbulentních časech hledat sílu? Nejen o tom mluví v další epizodě Československého podcastu šéfredaktor Respektu Erik Tabery, novinář a spisovatel Martin M. Šimečka a novinářka slovenského Denníku N Monika Tódová. Moderuje Zuzana Machálková.

Vládneme, nerušit #27: Ať už vzejde z říjnových voleb jakákoliv vládní koalice, většině Čechů se zřejmě nebude příliš zamlouvat. Z průzkumu agentury Median pro Český rozhlas totiž vychází, že největší podporu by měla menšinová vláda hnutí ANO, kterou by podporovalo 41 procent Čechů, tedy ani nejideálnější varianta nemá podporu většiny obyvatel. Co to může znamenat pro skládání příští vlády? A jak jsme se dostali do tohoto stavu? O tom v novém díle podcastu Vládneme, nerušit diskutují redaktoři František Trojan a Filip Zelenka společně s šéfredaktorem Erikem Taberym. 

This episode explores Americans' financial well-being in 2025, using a Yahoo Finance/Marist survey as the springboard. Don and Tom discuss how their audience differs from the average American listener, how perceptions of financial health can be misleading, and what to actually do if your finances—or your feelings about them—are getting worse. They debate the usefulness of net worth tracking, stress the importance of financial literacy, and suggest automating savings. Listener questions cover indexed annuities, bond substitutes, tax implications, and long-term care sales pitches. They also read a letter defending Rick Edelman and challenging their dismissal of crypto, which leads to a lively discussion about evidence-based investing, Eugene Fama's critique of Bitcoin, and the dangers of sensationalized advice. They end with a reflection on public criticism and the value of having one's views challenged. 0:29 Comparing TRM listeners to Ramsey and Kiyosaki audiences 1:37 Median savings for over-65 Americans and why $200k still isn't enough 2:42 Yahoo/Marist survey results: affordability, debt, emergency savings 3:50 One in three say finances worsened; generational breakdown 4:51 Explaining net worth, what to include and exclude 7:01 Tracking net worth annually as a financial benchmark 8:00 Divorce, net worth, and the joke about “kill them off” 9:50 Income gap, gender differences, and perception vs. reality 10:34 How uncertainty and fear shape financial outlooks 11:41 Producer note joke about being “sexist but not leftist” 11:50 Dissatisfaction with savings and personal spending habits 13:06 Fixing bad finances: literacy, automation, benchmarking 17:20 Don argues perception matters more than reality for many 18:20 Listener question: fixed index annuity as bond substitute 19:46 Caps, participation rates, and underperformance vs. markets 21:10 Tax treatment of annuities vs. ETFs 22:55 Importance of advice near retirement (decumulation phase) 23:44 Listener shares bad LTC/annuity sales pitch experience 24:54 Fixed annuity guarantees vs. CDs and government bonds 25:39 Listener defends Rick Edelman, suggests an open dialogue 26:52 Don's critique of Edelman's shift toward sensationalism 29:29 Eugene Fama's comments on Bitcoin, clash with Edelman's stance 31:23 Public criticism is fair game—reading recent Apple Podcast reviews 32:48 Bitcoin adoption debate and institutional incentives Learn more about your ad choices. Visit megaphone.fm/adchoices

A Tulsa ordinance to crack down on homelessness gets the mayor's signature.Oklahoma wants to jam cellphones in its jails and prisons.A new non-profit is working to fill OKC's Crossroads Mall with services for the community.You can find the KOSU Daily wherever you get your podcasts, you can also subscribe, rate us and leave a comment.You can keep up to date on all the latest news throughout the day at KOSU.org and make sure to follow us on Facebook, Tik Tok and Instagram at KOSU Radio.This is The KOSU Daily, Oklahoma news, every weekday.

Hnutí Stačilo! podle posledního průzkum agentury Median stoupá voličská podpora. Zatímco preference vedoucího hnutí ANO podle stejné agentury klesají a preference SPD, Starostů a koalice Spolu stagnují, Stačilo! posílilo na 9 procent. „Jde o data z poloviny srpna. Novější průzkumy ukazují, že by se do Sněmovny dostalo, ale s o hodně nižším ziskem,“ uvádí politický analytik Deníku N Jan Tvrdoň.

Hnutí Stačilo! by podle srpnového volebního modelu agentury Median získalo 9 procent hlasů. Podle bývalého místopředsedy KSČM Jiřího Dolejše ale levice v těchto volbách propásla svou šanci. „Hnutí Stačilo! nepovažuji za levici. Je to takový podivný slepenec s krajní pravicí, který je v podstatě zaměřený destruktivně,“ rozebírá Dolejš.

Hnutí Stačilo! podle posledního průzkum agentury Median stoupá voličská podpora. Zatímco preference vedoucího hnutí ANO podle stejné agentury klesají a preference SPD, Starostů a koalice Spolu stagnují, Stačilo! posílilo na 9 procent. „Jde o data z poloviny srpna. Novější průzkumy ukazují, že by se do Sněmovny dostalo, ale s o hodně nižším ziskem,“ uvádí politický analytik Deníku N Jan Tvrdoň.Všechny díly podcastu Interview Plus můžete pohodlně poslouchat v mobilní aplikaci mujRozhlas pro Android a iOS nebo na webu mujRozhlas.cz.

Hnutí Stačilo! by podle srpnového volebního modelu agentury Median získalo 9 procent hlasů. Podle bývalého místopředsedy KSČM Jiřího Dolejše ale levice v těchto volbách propásla svou šanci. „Hnutí Stačilo! nepovažuji za levici. Je to takový podivný slepenec s krajní pravicí, který je v podstatě zaměřený destruktivně,“ rozebírá Dolejš.Všechny díly podcastu Osobnost Plus můžete pohodlně poslouchat v mobilní aplikaci mujRozhlas pro Android a iOS nebo na webu mujRozhlas.cz.

The FOMC cut interest rates by 25bps, which was widely expected by markets. Additionally, median projections for a path forward indicate 50bps worth of cuts coming later in 2025. Kevin Hincks helps investors digest the market reactions and explains what the initial report means heading into Fed chair Jerome Powell's press conference.======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Elul is the 12th and final month of the Jewish calendar year. Elul Unbound is a Judaism Unbound initiative all about making Elul meaningful, through creative digital modalities. In this episode, Lex Rofeberg and Wendie Bernstein Lash explore the notion of chiasm (for "what is a 'chiasm' -- which is a great question -- click here), along with what it has to do with the month of Elul and the broader 7-year Shmita cycle. This Elul podcast is the third in a mini-series of four that are being released as part of Elul Unbound 2025 (our 26th-29th Elul episodes overall).--------------------------------------To check out all our Elul bonus episodes from previous years, which can still be relevant to your experience of Elul this time around, click here. Join our bi-weekly journey through Elul Unbound 2025 by signing up at this link, and sign up for our Elul Unbound Shabbat gatherings here, where we will be forging our kavanot (intentions) for the new year in real time with fellow Unbounders.If you're enjoying Judaism Unbound, please help us keep things going with a one-time or monthly tax-deductible donation -- support Judaism Unbound by clicking here!

Opening Reflections and California Concerns The AgNet News Hour began with hosts Nick Papagni and Lorrie Boyer sharing lighthearted Friday greetings before shifting to California's serious agricultural challenges. Papagni noted worsening Central Valley air quality caused by wildfires, likening the smoke to winter fog. He warned that tensions between state and federal governments over forest management may intensify as fall approaches. Boyer added that federal intervention could even extend to California's 2028 Olympic preparations. Policy Spotlight: Mexican Wolf Debate Boyer reported on a House Natural Resources Subcommittee hearing on the Enhancing Safety for Animals Act of 2025. The legislation would delist the Mexican wolf from the Endangered Species Act, a move supported by the National Cattlemen's Beef Association, the Arizona and New Mexico Cattle Growers Associations, and the Public Lands Council. Tom Patterson, President-elect of the New Mexico Cattle Growers Association, testified that wolf populations have shifted from a livestock concern to a community safety threat, citing attacks on pets, horses, and even children. In regulatory news, the EPA declined stricter wastewater rules for meat and poultry processors, concluding that current Clean Water Act requirements suffice. The National Chicken Council applauded this decision as a balanced approach to water quality regulation. Immigration Reform and the Dignity Act The program's central feature was an interview with Manuel Cunha, President of the Nisei Farmers League, who addressed farm labor shortages and immigration policy. He highlighted the bipartisan Dignity Act (H.R. 4393), introduced by Rep. María Elvira Salazar (R-FL) and Rep. Veronica Escobar (D-TX), as the most promising reform since the early 2000s. The Act includes a three-pronged approach: Long-Term Residents – renewable work authorization cards with penalties for undocumented status. Legal Pathways for New Workers – stronger background checks and legal entry channels. Criminal Entrants – removal of individuals linked to crime or gang activity. Cunha emphasized that the Act also provides protections for Dreamers and addresses Social Security benefits for long-term contributors who have paid into the system for decades. Coyotes, Fear, and Fake Documents Cunha warned about coyotes—human smugglers who charge up to $15,000 per person and often supply migrants with fraudulent documents. Workers fall into debt while employers unknowingly hire with false credentials. He called the system a “disaster” and urged growers to pressure congressional leaders like David Valadao, Jim Costa, Jimmy Panetta, and Vince Fong to support the Dignity Act. Despite federal assurances, many farmworkers still live in daily fear of deportation. Some alter their appearance to avoid suspicion, while enforcement remains concentrated in large metropolitan sanctuary cities. Farm Labor: Hard Work Few Will Do Papagni stressed that farm labor is not unskilled work, pointing to strawberry, lettuce, melon, and table grape harvesting as examples requiring years of expertise. Cunha agreed, noting that domestic welfare recipients are unlikely to take on such demanding jobs—something proven during the 1996–1998 Welfare to Work Program. With many long-time workers nearing retirement and fewer young people entering agriculture, Cunha pressed for a comprehensive guest worker program. A Call to Action Cunha's message to farmers and ag communities was clear: contact your congressional representatives and urge support for the Dignity Act. He highlighted Vince Fong as a key California lawmaker yet to sign on. If passed, the bill would initiate a five- to six-month rule-writing process, during which workers would receive documentation verifying employment, providing immediate protection while regulations are finalized. Farm Income and Market Updates According to the U.S. Economic Research Service (ERS): Net farm income in 2025 is projected at $179.5 billion, up 40.7% from 2024—the second-highest on record. Median farm household income, however, is projected to decline by $1,189 in 2025, reflecting weaker off-farm earnings. Government payments are forecast at $40.5 billion, the highest since 2020. The dairy sector is also strengthening, with exports reaching 18.7% of domestic production in June—the highest since 2022. Domestic yogurt consumption rose 12.2%, while overall use of milk solids grew 3%. Competitiveness and Global Pressures Papagni noted the difficulty of competing with countries paying $10–20 per day compared to California's $16 per hour wages, combined with stricter U.S. regulations. Boyer emphasized that despite higher costs, U.S. agriculture provides the world's safest and most affordable food supply, thanks largely to immigrant labor. Citrus Greening and Global Potato Trends Rick Dantzler of the Citrus Research and Development Foundation reported promising progress in the fight against citrus greening disease. Oxytetracycline trunk injections are showing strong results, with healthier canopies and improved fruit quality, though production costs rose 7%. Meanwhile, the global frozen potato market has shifted dramatically. Between 2019 and 2024, China and India moved from net importers to exporters of frozen fries and processed potato products, expanding markets into Asia and the Middle East. Criminal Provisions in the Dignity Act The legislation also strengthens criminal enforcement, including: Tougher penalties for illegal re-entry after multiple deportations. DNA testing to confirm family ties. Stricter penalties for voting by non-citizens. Increased minimum penalties for child sex trafficking. Boyer linked these provisions directly to combating coyote networks and broader exploitation. Wrapping Up The episode closed with Papagni and Boyer urging farmers to engage in the policy debate, follow updates at AgNetWest.com, and recognize that immigration reform is essential to keeping U.S. agriculture competitive and sustainable.

City Manager Brian Johnson joins host Rico Figliolini on Peachtree Corners Life for a practical update on projects shaping the city's next few years. He walks through the newly developed Simpsonwood Park master plan—designed to keep the park passive and natural while adding ADA-friendly access, renovated bathrooms, an updated chapel, selective forestry management, and a modest river overlook. Johnson also explains why the city is outsourcing maintenance of the Peachtree Parkway median so residents finally see consistent, five-day-a-week care despite legacy design constraints.The episode dives into traffic and road fixes at East Jones Bridge and 141 (longer turn lanes, better alignment, and a right-turn slip lane), the ESPLOST renewal on the ballot, and the last phase of the Waterside development—now tracking at roughly half the density initially allowed and focused on equity (for-sale) housing. With candid context on what's been approved or denied since cityhood, plus how extended-stay conversions and the Housing Authority factor in, this conversation is a clear, chart-backed look at how Peachtree Corners balances growth with character.Key takeawaysSimpsonwood Park will remain a passive park—no ballfields, pickleball, mountain biking, or major programming.Plan includes ADA-accessible paved paths, renovated bathrooms (including one closer to the river), resurfaced parking, and a chapel renovation.Selective forestry and wildlife/erosion work will improve long-term health of the park.City is outsourcing median maintenance on Peachtree Parkway; crews will be dedicated five days a week for mowing, edging, litter removal, and plant adjustments.Median design differs from Johns Creek (at-grade vs. raised), which has made upkeep harder; outsourcing addresses consistency and appearance.East Jones Bridge & 141: entrance realignment, longer left-turn stacking, and a right-turn slip lane to move traffic more safely and quickly.No municipal election this cycle for three council seats (no challengers qualified), but ESPLOST renewal is on the county ballot.Waterside final phase moves forward with for-sale (equity) units; overall buildout drops from up to 916 approved units to ~450.Post-2012 housing approvals show a measured approach—some apartment proposals approved, many reduced to townhomes or denied.Extended-stay hotel issues are being addressed, including a supervised conversion to efficiency units via the Housing Authority.Timestamp:(00:03:29) Simpsonwood Park master plan details and community input.(00:09:55) Renovation of chapel, bathrooms, and forestry management plans.(00:15:27) Outsourcing median maintenance on Peachtree Parkway.(00:24:27) Election update and ESPLOST renewal.(00:27:03) Waterside development's final phase and reduced density.(00:30:12) East Jones Bridge road improvements and traffic flow changes.(00:36:37) Housing trends, multifamily approvals, and denials over time.(00:42:41) Extended stay hotel conversions and housing authority oversight.(00:45:47) Balancing growth, community resistance, and long-term city planning.

Friends, there isn't much to say here other than we at the show always mourn the loss of loved ones, including a truck load of meat. Rest In Sauce. And if you spot a thing that shouldn't be, send it in to janesays@civicmedia.us and we might use it on the show! So join us Monday through Friday at 11:51 a.m. for “This Shouldn't Be A Thing!” or search for it on Spotify, Apple or wherever you get your podcasts. And thanks for listening!!

Series - An Exposition of Exodus Text - Exodus 2:15-22  by Nick Neves, pastor | Midweek Service | 08.20.25   Pastor Nick continues to show parallels between Moses and Jesus, who is the better Mediator that Moses' ministry anticipates. Jesus sojourned with us by taking upon Himself a human nature. Though Moses' time in Median was a humbling experience, God expertly used it to train him and ready him to serve as a godly leader over the covenant people. 

Filmwax Radio is proud to welcome 3 female documentary filmmakers to the podcast for their first time. First up is the filmmaker Wendy Lobel. "Anxiety Club" provides an intimate and humorous look at anxiety through the eyes and minds of some of the most brilliant comedians working today. Marc Maron, Tiffany Jenkins, Baron Vaughn, Aparna Nancherla, Mark Normand, Eva Victor and Joe List offer candid reflections on their relationship with anxiety through exclusive interviews, standup performances, sketch videos, therapy sessions, and everyday life. With rare access to private therapy sessions, the film follows comedian Tiffany Jenkins (a content creator with over 9 million followers) as she undergoes behavioral therapy, capturing the profound changes her treatment brings about. Others find support from alternative sources, such as world-renowned meditation expert Tara Brach, PhD, or the psychologist-in-residence at The Laugh Factory, or simply from mentors in the comedy community. All of the comedians in "Anxiety Club" have created standup or sketch material about their mental health that is not only funny but uniquely relatable and disarming to audiences. With comedy, vulnerability, and honesty, these comedians provide remarkable insight into anxiety - the most prevalent mental health disorder affecting an estimated 300 million people worldwide. Then filmmakers Steph Ching and Ellen Martinez with their PBS documentary "Slumlord Millionaire". Winner of the Audience Award at the 2024 DOC NYC Film Festival, “Slumlord Millionaire” explores the rapid gentrification of New York City neighborhoods and the housing crisis sweeping not only New York but the nation. Median rents nationwide are higher than ever, and in Manhattan, the average rent is now almost $5,000 per month. As rents increase, some landlords have become aggressive in getting long-term tenants to leave: ignoring repairs, turning off heat and gas, and doing nothing to eliminate mold and vermin infestations. The landlord's goal is to make the apartment so uninhabitable that residents are forced out, allowing them to deregulate the apartment and turn it over to market rate for a high profit. These actions drive up costs in the already unaffordable housing market and displace families who make up the fabric of these neighborhoods, changing communities forever. “Slumlord Millionaire,”  premieres on the PBS series VOCES on Monday, July 28, 2025, 10:00-11:30 p.m. ET (check local listings) on PBS, PBS.org and the PBS app.  

Wondering where the real estate market is heading? In this July 2025 update, we break down the latest housing trends in the Greater Philadelphia area — including Chester, Bucks, Delaware, Montgomery, South Jersey, and northern Delaware.

Wes and Scott talk about the 2025 State of Devs survey, diving into trends in salaries, job titles, remote work, health, hobbies, and more. Show Notes 00:00 Welcome to Syntax! 01:44 Brought to you by Sentry.io 02:08 Years of experience vs yearly income 11:48 Layoffs 18:07 Job title 19:55 Remote work 24:40 Job happiness 25:40 Work hours 26:24 Workplace perks 26:53 What phones devs use 27:46 Desktop OS 28:44 Programming languages 29:29 Productivity apps 30:54 Social media 32:13 Median age of RSS feed users 33:41 Community contributions 35:37 Health and fitness 37:01 Health issues 39:11 Scott's health update 42:28 Hobbies 45:54 Favorite music 47:10 Favorite video games 47:37 Favorite movies 49:35 Metadata Hit us up on Socials! Syntax: X Instagram Tiktok LinkedIn Threads Wes: X Instagram Tiktok LinkedIn Threads Scott: X Instagram Tiktok LinkedIn Threads Randy: X Instagram YouTube Threads

A new report shows that housing costs are higher than at any other point in history ... which has many people wondering if it's time to reevaluate the American dream. On Deadline is hosted and produced by Lauren Barry and produced by Christy Strawser.

Today's poem is Sunflowers in the Median by Natalie Homer.The Slowdown is currently taking a break. We'll be back soon with new episodes from a new host. This week, we're going back into the archive to revisit Ada Limón's time as host. Today's episode was originally released on March 4, 2022. In this episode, former host Ada Limón writes… “What is it about noticing beauty that brings you out of yourself and returns you to yourself? I love rooting for beauty, for awe, for those unexpected visions that make life a little easier to manage. In today's vibrant poem, we see how the image of sunflowers can allow for a sort of grace. I love this poem for its appreciation of unexpected beauty.” Celebrate the power of poems with a gift to The Slowdown today. Every donation makes a difference: https://tinyurl.com/rjm4synp