Podcasts about Microsoft

Check out the Spawncast network: https://spawncastnetwork.com/ Support the stream: https://streamlabs.com/spawnwave Panel: Radec: https://www.youtube.com/@realradec Celia: https://x.com/CeliaBeee RGT: https://www.youtube.com/@RGT85 PlayerEssence: https://www.youtube.com/@Playeressence Kimerex: https://www.youtube.com/@KimerexProjekt #Sony #Nintendo #Microsoft

Today, we’re bringing you the best from the KUOW Newsroom… First, a look at how December’s floods have been impacting our fish population. Next, a look at how Washington is trying to protect birds as species are on the decline across the U.S. More on how our warm winter has been affecting ski season. And finally, journalists are uncovering new details from recently released files concerning Jeffrey Epstein, which include former Microsoft executive Nathan Myhrvold. We can only make Seattle Now because listeners support us. Tap here to make a gift and keep Seattle Now in your feed. Got questions about local news or story ideas to share? We want to hear from you! Email us at seattlenow@kuow.org, leave us a voicemail at (206) 616-6746 or leave us feedback online.See omnystudio.com/listener for privacy information.

Another week, another series of distressing developments in the world of PC hardware. But maybe the end of the madness is near?  Or at least hotter with 700W Intel CPUs.  BTW, you're probably not getting an RTX 5090Ti, another week where DIMMs are bling, some questionable choices from Microsoft and scary security issues with certs, 7-Zip, OpenClaw, and "Approve or Deny?" questions.  Thanks Zapier for sponsoring our show this week!   Get AI orchestration going on your workflows for improvements you can really help, for free!Timestamps:0:00 Intro01:05 Patron01:37 Food with Josh03:54 ASRock BIOS update to combat reported Ryzen failures05:47 Intel's potential processor power09:35 No RTX 5090 Ti this year11:35 G.Skill memory speed settlement14:44 The Discord drama19:21 HP will rent you an Omen gaming laptop24:48 Microsoft failed to communicate about 26H131:36 Homelab bling32:58 Podcast sponsor - Zapier34:26 (In)Security Corner48:37 Gaming Quick Hits55:19 Picks of the Week1:09:55 Outro ★ Support this podcast on Patreon ★

If Netflix or Spotify doubled their price tomorrow, would you really cancel—or would you grumble and keep paying? In this conversation, we use subscription services we all rely on to explain a powerful investing concept: pricing power. We'll break down why some companies can raise prices without losing customers, what that tells us about their business models, and why pricing power matters when evaluating long-term investments—especially in an inflation-conscious world.Big Tech is opening the checkbook for AI. Amazon, Alphabet, Meta, and Microsoft are on track to spend nearly $650 billion in 2026 alone, even if it means taking a hit to free cash flow today. We'll unpack why this spending surge is happening, where the money is going, and what it could mean for earnings, valuations, and investors navigating the AI boom. In this week's Market Segment, we break down sector performance across the S&P 500 amid heightened volatility in software stocks, driven largely by renewed concerns over AI's disruptive impact. We also zoom out to examine how AI is influencing industries more broadly, and what a healthy market rebalance across sectors could signal for investors. Plus, we discuss the growing gap between consumer sentiment and actual economic activity and take a closer look at January's employment data to see what it may mean for the path ahead.Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — February 7, 2026  |  Season 40, Episode 6Timestamps and Chapters8:29: Cancel or Complain? Pricing Power Explained31:31: AI at Any Cost?45:57: Market Rotation Amid AI UncertaintyFollow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.See important disclosures at Henssler.com

Impact sur l'emploi, utilisation malveillante, perte de contrôle... L'intelligence artificielle soulève toujours autant d'interrogations et d'inquiétudes. Des démissions jettent le trouble et alimentent les questionnements. Et aussi : l'actu de la semaine.

Gaming hardware is evolving faster than ever, but delays and misconceptions still dominate the conversation. This episode of Decked Up uncovers the truth behind the delay of Valve's Steam Machine — and reveals why the hype around next-gen consoles like PlayStation 6 and Xbox in 2026 misses the bigger picture. If you're tired of the noise and want to understand the real forces shaping gaming in 2026, this episode is your essential guide.You'll discover how global RAM shortages driven by AI and Bitcoin mining are impacting hardware launches, and what that means for your gaming plans. We break down the current state of the handheld PC market, from the Steam Deck's stock shortage to the rise of the ROG Ally and the saturation of portable gaming PCs. Plus, get insights into why the traditional console cycle is slowing down, and what that means for gamers craving new experiences.In this candid episode, host Mekel unpacks the myths of the "niche" gaming market versus mainstream dominance. He discusses how industry giants like Microsoft, Sony, and Nintendo are recalibrating their strategies to stay ahead — often by going where players are already spending their time, namely tech and digital services. Learn why the idea of a “generation leap” in consoles is dead, and the true value of investing in hardware that "quietly helps you win."Key Topics:Delays and supply issues affecting the Steam Machine, Steam Frame, and Steam Deck, plus predictions for release timelinesThe next-gen console landscape: PlayStation 6, Xbox's shipping plans, and why new hardware updates are happening later than usualThe state of handheld gaming PCs: market saturation, performance challenges, and the best devices like ROG Ally and Legion GoIndustry commentary: how community narratives, content creator grifts, and market over-saturation influence perceptionsThe evolution of gaming hardware revisions: from PlayStation 5 to Xbox Series X/S and classic consolesTrends in game releases, collections, and franchise remasters signaling upcoming announcements#SteamDeck #SteamMachine #SteamFrame #SteamController #Steam

Karnevalskater trifft Open-Source-Kater: Zwischen FOSDEM-Raumsuche, MySQL-Gerüchten und ethischen Grundsatzdebatten stolpern wir durch Tech-Trends und AI-News. Dazu gibt's Abo-Detox, Desktop-Frust und die Erkenntnis: Digitale Souveränität beginnt manchmal mit „Kündigen“-Button statt Keynote. Blast from the Past MySQL - Bericht vom FOSDEM Stand Rant extended - same as posting blogposts on linkedin applies - of course - to medium. Static Site Generators with AsciiDoc support Toter der Woche Google Pixel 3a Untoter der Woche notepads Windows Notepad Ursache Markdown feature Microsoft seite Notepad++ AI der Woche AI agent seemingly tries to shame open source developer for rejected pull request AI found 12 of 12 OpenSSL zero-days (while curl cancelled its bug bounty) Selfish AI Anthropic raises $30B Series G funding at $380B post-money valuation (Anthropic) Nvidia shares are down after a report that its OpenAI investment stalled. Here's what's happening News Wero: Commerzbank macht mit

So friends, can I ask you a quick question? When you think of Washington, DC, what's the first thing that comes to mind? Politics? The nation's capital? Maybe, a city where somehow we still have taxation without representation?DC has the Congress. It has the executive branch. It has the judiciary. All populated by federal government employees. All public servants. In a very real sense, DC is like the national hub for public service.The person who said that she views DC as a city of service is Kinney Zalesne. And Kinney is now running to be represent the people of DC in Congress. Kinney is running to be DC's delegate to Congress, and I sat down with Kinney to ask her why she wants to represent people of DC in Congress, and why she views DC as a city of service.Kinney Zalesne came to DC in 1995 for what was supposed to be a short stint in the Clinton White House. But she fell in love with the city, and for 30 years has never wanted to live anywhere else. She and her husband Scott have raised four kids here and been active in the community, serving in leadership positions in DC's schools, pools, parks, and nonprofits.DC gave Kinney opportunities to work across government, business, and the nonprofit sector. After serving as a White House Fellow with Vice President Gore, Kinney was Counsel to Attorney General Janet Reno at the US Department of Justice. She later helped lead the Strategy team at Microsoft. She has rolled up her sleeves in our neighborhoods, where she served as President of College Summit, a global-award-winning nonprofit, founded in a basement in Adams Morgan. College Summit helps students from low-income backgrounds go to college. Kinney was also Board Chair of a school in Ward 4 that doubled in enrollment during her tenure. And most recently, Kinney served as Deputy National Finance Chair of the DNC and National Co-Chair of Women for Harris.Of all those roles, Kinney's favorite was being President of College Summit (now called Peer Forward). The organization's mission was to make sure that every student who could make it IN college made it TO college. Kinney built large-scale, diverse, powerful coalitions across the District and then the nation to make sure tens of thousands of local students got the opportunities they deserved. Kinney's skills and experiences are what DC needs now. She will build a broad-based, lasting, nationwide coalition of people to defend DC and ensure we remain a safe, affordable, and healthy place to live. Find Kinney at: https://www.kinneyfordc.comFind Glenn on Substack: glennkirschner.substack.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

IBM has made a comeback in the past six years under the leadership of CEO Arvind Krishna. That's thanks to success in its hybrid cloud business and consulting services. But even as the company is reinventing itself again for the AI era, Krishna is already betting that quantum computing is the next big thing. Will Big Blue succeed against rivals like Microsoft and Google who are racing to make their own quantum breakthroughs? And how is the company learning from its past mistakes with Watson AI? Krishna joins the WSJ's Christopher Mims and Tim Higgins on the Bold Names podcast. To watch the video version of this episode of Bold Names, visit our WSJ Podcasts YouTube channel or the video page of WSJ.com. Check Out Past Episodes: This CEO Says Global Trade Is Broken. What Comes Next? What This Former USAID Head Had to Say About Elon Musk and DOGE ‘Businesses Don't Like Uncertainty': How Cisco Is Navigating AI and Trump 2.0 Why This Tesla Pioneer Says the Cheap EV Market 'Sucks' Let us know what you think of the show. Email us at BoldNames@wsj.com Sign up for the WSJ's free Technology newsletter. Read Christopher Mims's Keywords column. Read Tim Higgins's column.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode #589: Microsoft is quietly laying the groundwork for the next era of Xbox — and the signals are finally starting to line up. In this episode, we break down Microsoft's bold Xbox strategy, from next-generation hardware plans to what a longer Xbox Series era really means for players. With reports pointing to a 2027+ next-gen console timeline, Xbox doesn't seem to be in a rush — and that may be the most important clue of all.Who are the XoneBros?We are your exclusive Xbox Series X & Game Pass weekly podcast. We are more than just a podcast though, we are a positive gaming and Xbox community. We are a group of friends who love gaming, comics, fantasizing about superpowers, and making lame jokes.We strive to bring you news, informative discussion, and rocking good times on a weekly basis all while discussing the world that is Xbox. We are the brothers you never had and the sisters you always wanted... we are the XoneBros. If you are looking for a positive gaming environment, you are always welcome here!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Support Us On YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join our Discord⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠X1TheGamer Daily Xbox News ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MrMcspicey Know Your Game⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Plus: a Dubai businessman resigns after documents released by the Justice Department revealed his close ties to Jeffrey Epstein. And Anthropic has added former Microsoft and General Motors executive Chris Liddell to its board of directors. Pierre Bienaimé hosts. Sign up for WSJ's free What's News newsletter. An artificial-intelligence tool assisted in the making of this episode by creating summaries that were based on Wall Street Journal reporting and reviewed and adapted by an editor. Learn more about your ad choices. Visit megaphone.fm/adchoices

Check out the Spawncast Network: https://www.patreon.com/Spawncast Ryan: https://www.youtube.com/@MysticRyan Spawn: https://www.youtube.com/@SpawnWave #Sony #PS5

Tony: -Division 1 Definitive edition is not a remake: https://www.ign.com/articles/the-division-definitive-edition-quietly-launches-but-its-not-the-remaster-some-had-hoped-for -Baldur's Gate turning into a show: HBO is turning Baldur's Gate into a TV show -BL4 is not likely on Switch 2: https://www.neonlightsmedia.com/blog/borderlands-4-switch-2-port-paused Jarron:  -GOG working on native Linux support: GOG is already working on native Linux support -Steam Machine may not be out for a bit longer with increased pricing: Valve's Steam Machine has been delayed, and the RAM crisis will impact pricing -Next Gen Xbox coming out next year? AMD hints Microsoft could launch its next-gen Xbox in 2027 -Switch is Nintendo's best-selling console of all time: The Switch is Now Nintendo's Best-Selling Console of All Time -Co-op Horizon game announced https://blog.playstation.com/2026/02/05/announcing-horizon-hunters-gathering-guerrillas-new-co-op-action-game/ -Nintendo Direct https://www.nintendolife.com/guides/nintendo-direct-partner-showcase-february-2026-every-announcement-game-reveal-trailer -This dongle allows you to use PS5 controllers with the Switch 2: GuliKit's tiny USB dongle lets you connect your PS5 controller to your Switch 2 Owen: -No Humans Allowed https://arstechnica.com/ai/2026/02/after-moltbook-ai-agents-can-now-hang-out-in-their-own-space-faring-mmo/

Investors have short memories—until the talk of a “bubble” resurfaces. We take investors on a quick trip down memory lane, discussing the infamous dot-com bubble of the late ‘90s and early 2000s, as well as the housing bubbled that appeared a few years later. These bubbles were fueled by sky-high optimism and wild speculation about transformative technologies. In the dot-com era, investors rushed into any company with a “.com” at the end of its name, confident the internet would change the world. But not all of these companies survived. The lesson is that when a game-changing technology new technology appears, you still have to do your due diligence to come out on top. [bctt tweet="AI stocks are the new #investing gold rush…but are you panning for gold or about to hit a bust? I break down the REAL risks of betting big on #tech giants—and why most #investors miss what matters in a bubble" username="wellensscott"] The Age of AI: Bubble or Breakthrough? The “Magnificent Seven” (Google, Meta/Facebook, Apple, Amazon, Nvidia, Tesla, and Microsoft) are pouring billions into AI. Their 2025 returns, as catalogued by Scott Wellands, were impressive, with the group averaging over 20%, outperforming the S&P 500. Yet, such meteoric rises echo the euphoria of past bubbles. But excitement alone doesn't make a bubble—overvaluation does. Valuation: How Expensive is Too Expensive? A key measure is the price-to-earnings (P/E) ratio, a classic way to judge if a company's stock price is justified by its profits. Take Tesla, for example: at the end of 2025, it traded at roughly $450 per share but earned only $1.50 per share, putting its P/E near 304. Compared to Toyota's P/E of about 10, that's nosebleed territory. The S&P 500's long-term average P/E sits around 20—a point of reference emphasizing just how stretched AI-heavy stocks may be. The Magnificent Seven's average P/E now hovers around 68, more than triple the broader market's historic average and well above the S&P's “other 493” companies. While high valuations don't guarantee a crash, they signal that expectations are sky-high and that disappointment could be costly. Picking Winners, Dodging Losers You can't invest in AI itself; you invest in companies riding the AI wave. History shows many won't make it. That's why betting everything on a few horses is extremely risky, even if their role in AI seems promising today. Over-concentration lurks as a hidden threat. If you own a standard S&P 500 index fund, 35% of your portfolio sits in the Magnificent Seven. For tech-heavy indices like the Nasdaq, that figure climbs to 54%. A stumble for these stars—already started in early 2025—can spell big trouble for portfolios tied too closely to their fortunes. [bctt tweet="No one has a crystal ball for the next #AI bubble—but family stewards can stack the odds. I reveal three ways to build #wealth using AI safely—and why a diversified #portfolio is your family's best hope for lasting wealth" username="wellensscott"] The Case for Global Diversification So how can investors harness AI's upside without exposing themselves to catastrophic risk? In a portfolio spanning thousands of companies worldwide across different sectors and asset classes, your exposure to the Magnificent Seven (and thus to AI) drops to about 20%. This cushions your wealth from the fallout if today's leaders falter and gives you a stake in the next wave of winners, wherever they arise.

(Presented by Thinkst Canary: Most Companies find out way too late that they've been breached. Thinkst Canary changes this. Deploy Canaries and Canarytokens in minutes and then forget about them. Attackers tip their hand by touching 'em giving you the one alert, when it matters. With zero admin overhead and almost no false-positives, Canaries are deployed (and loved) on all 7 continents.) Three Buddy Problem - Episode 85: Top stories this week include drone incursions over El Paso and the murky line between cartel activity, anti-drone tech testing, and full-blown hybrid warfare; updates on the Notepad++ supply chain fallout; Microsoft's zero-day treadmill and AI-enabled attack surfaces; and Apple's “extremely sophisticated” iOS exploits. Plus, Europe's growing appetite for offensive cyber, Palo Alto and the uncomfortable politics of cyber attribution, Singapore on telco intrusions, and the economics of end-of-life infrastructure. Cast: Juan Andres Guerrero-Saade, Ryan Naraine and Costin Raiu.

So friends, can I ask you a quick question? When you think of Washington, DC, what's the first thing that comes to mind? Politics? The nation's capital? Maybe, a city where somehow we still have taxation without representation?DC has the Congress. It has the executive branch. It has the judiciary. All populated by federal government employees. All public servants. In a very real sense, DC is like the national hub for public service.The person who said that she views DC as a city of service is Kinney Zalesne. And Kinney is now running to be represent the people of DC in Congress. Kinney is running to be DC's delegate to Congress, and I sat down with Kinney to ask her why she wants to represent people of DC in Congress, and why she views DC as a city of service.Kinney Zalesne came to DC in 1995 for what was supposed to be a short stint in the Clinton White House. But she fell in love with the city, and for 30 years has never wanted to live anywhere else. She and her husband Scott have raised four kids here and been active in the community, serving in leadership positions in DC's schools, pools, parks, and nonprofits.DC gave Kinney opportunities to work across government, business, and the nonprofit sector. After serving as a White House Fellow with Vice President Gore, Kinney was Counsel to Attorney General Janet Reno at the US Department of Justice. She later helped lead the Strategy team at Microsoft. She has rolled up her sleeves in our neighborhoods, where she served as President of College Summit, a global-award-winning nonprofit, founded in a basement in Adams Morgan. College Summit helps students from low-income backgrounds go to college. Kinney was also Board Chair of a school in Ward 4 that doubled in enrollment during her tenure. And most recently, Kinney served as Deputy National Finance Chair of the DNC and National Co-Chair of Women for Harris.Of all those roles, Kinney's favorite was being President of College Summit (now called Peer Forward). The organization's mission was to make sure that every student who could make it IN college made it TO college. Kinney built large-scale, diverse, powerful coalitions across the District and then the nation to make sure tens of thousands of local students got the opportunities they deserved. Kinney's skills and experiences are what DC needs now. She will build a broad-based, lasting, nationwide coalition of people to defend DC and ensure we remain a safe, affordable, and healthy place to live. Find Kinney at: https://www.kinneyfordc.comFind Glenn on Substack: glennkirschner.substack.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Nvidia pulls back, Coinbase pops, and the "Fruit Company" faces a software horror show. It's Friday, February 13th, 2026, and the options market is living up to the date. In this episode of The Hot Options Report, we break down a high-volume session where it took over 700,000 contracts just to crack the Top 10. We dive deep into the unusual activity in Microsoft, the massive earnings-driven move in Coinbase, and why "Paper" was sweating on Tesla's $420 calls. In this episode, we cover: Nvidia ($NVDA): Coming back to earth after hitting $193—is the AI honeymoon over? The Crypto Duo: Coinbase ($COIN) and MicroStrategy ($MSTR) catch fire as crypto sentiment shifts. Apple ($AAPL): Regulatory headwinds and Siri delays lead to its worst slide since April. The Dividend Plays: Why UPS and Chevron ($CVX) distorted the volume leaderboard today. Microsoft ($MSFT): "Mr. Softy" struggles to find green despite a wild 405-strike battle. For more options data, go to: TheHotOptionsReport.com. ANNOUNCEMENT: Don't miss Vol Death Match 2.0 on Tuesday, Feb 17th! The Flowmaster vs. Scott Nations. Two men enter, one man leaves. Sign up at TheOptionsInsider.com/Pro .

Are you looking to save time, make money, and start winning with less risk? Then head to https://www.ovtlyr.com.Here's how we plan to DOMINATE the US Investing Championship for 20261. You can see our step by step trading plan developed by a team of over 20 quants for FREE by clicking here: https://docs.google.com/presentation/d/1ObJTWbt6pcxCtMCjw8Cutz_bjHnXvzEAcuA724668-M/edit?usp=sharing2. You can follow along with EVERY SINGLE TRADE Taken in the US Investing Championship here: https://docs.google.com/spreadsheets/d/1_a-Oi7vdCtaC-fpusF1VtRp87vLuxZH3tgXUxms5DW4/edit?usp=sharingIf you own AMZN, MSFT, NVDA, MU, HOOD, SLV, GLD, SOFI, SPY, DTE, or MSTR, this is not a video to skip.Markets are shifting fast. Mega-cap tech leadership is being tested. AI momentum is evolving. Commodities are quietly positioning. And speculative names are seeing serious volatility. In this breakdown, we dig into the technical structure, trend strength, momentum signals, and risk levels across some of the most widely held retail and institutional stocks right now.This isn't hype. It's tactical analysis.We cover:✅ Amazon stock analysis – trend strength, institutional accumulation, and key support levels✅ Microsoft stock outlook – AI exposure, relative strength vs SPY, and risk zones✅ Nvidia stock breakdown – momentum, exhaustion signals, and volatility structure✅ Micron stock forecast – semiconductor cycle rotation and memory demand themes✅ Robinhood stock – retail sentiment exposure and breakout risk✅ Silver (SLV) and Gold (GLD) – metals trend, inflation hedge narrative, and macro positioning✅ SoFi stock – growth vs profitability debate and technical inflection points✅ SPY S&P 500 ETF – overall market breadth and risk-on vs risk-off signals✅ DTE Energy – defensive positioning and dividend rotation✅ MicroStrategy (MSTR) – Bitcoin correlation, leverage dynamics, and volatility riskWhether you're a long-term investor, active trader, or options strategist, understanding where these stocks sit in their current trend cycle matters. Are we in continuation mode, topping formation, base-building, or early breakout territory? That's the real question.If you manage positions in large-cap tech, AI leaders, precious metals, fintech growth stocks, utilities, or broad market ETFs, this analysis helps you protect capital, identify opportunity, and avoid emotional decision-making.The market rewards preparation — not prediction.Subscribe for deeper stock market analysis, technical breakdowns, and actionable trading intelligence designed to help you save time, manage risk, and make smarter investing decisions.#AMZN #MSFT #NVDA #MU #HOOD #SLV #GLD #SOFI #SPY #DTE #MSTR #StockMarket #Investing #Trading #TechnicalAnalysis #AIStocks #Semiconductors #Gold #Silver #Bitcoin #S&P500NO INVESTMENT ADVICE. The information available through the Service is for general informational purposes only and references to specific securities, investment programs or funds are only for illustrative or educational purposes. No portion of the Service is a solicitation, recommendation, endorsement, or offer by OVTLYR or any third-party service provider to buy or sell any securities or financial instruments. You should not construe any such information or other material on the Service as legal, tax, investment, financial, or other advice. OVTLYR is not a fiduciary by virtue of any person's use of the Service. You alone assume the sole responsibility for evaluating the merits and risks associated with your use of any information on the Service. Nothing herein constitutes an offer or a solicitation of the purchase or sale of any security to any person in any jurisdiction in which such an offer or solicitation is not authorized. All purchases and sales of securities must and are to be made through a registered securities broker or dealer of your choosing with whom you have a contractual relationship and have agreed to accept such broker's or dealer's terms and conditions.

Tech News and Commentary Dave and Chris discuss GameStop closing 400 stores in the U.S. as the CEO aims for a $35 billion pay package, the U.S. Department of Justice probing Netflix’s acquisition of Warner Brothers Discovery, Microsoft’s next-gen Xbox, Open AI testing ads in ChatGPT, and more. Kameron Graveline joined Dave and Chris to […]

The Second Act Executive delivers a powerful, strategic recalibration for leaders navigating their second act.This episode, titled The Alpha Frequency, is not about hustle. It is about infrastructure. It is about authority. It is about aligning capital, clarity, and confidence at a stage of life where preservation, positioning, and legacy matter more than applause.Hosted by a former corporate executive turned entrepreneur, philanthropist, investor, licensed real estate professional, author, and mother, this episode unpacks:• The evolution of Wolf Vibrations, LLC — from its early aesthetic wellness roots to the successful expansion of B Wellness Center with Nikki B Wellness• The strategic alignment with Pinnacle Advisement Group, expanding into mortgages, lending, tax structuring, and executive private practice transitions• The 360° Market Mastery Kit featuring Jim Cramer's How to Make Money in Any Market• Deep dives into AMD, Microsoft, Apple, and Palantir — with infrastructure-level analysis for mature investors• The philosophy behind Peter Thiel's Zero to One and why competition is a distraction for legacy builders• High-functioning low self-esteem and financial autonomy for women over 50• A direct acknowledgment of financial abuse dynamics and the importance of asset control• The distinction between emotional courage and financial preparedness• A reminder that Waking Up and Walking Away: A Roadmap to Freedom by Tawnie Wolf exists as a resource for those rebuilding autonomy• The assisted living crisis, elder advocacy, and why presence is a form of protection• The shift from hustle culture to authority culture in your 50s and beyondThis is a structured, strategic conversation about becoming the monopoly of your own life.It is about transitioning from employee to architect.From reactive to intentional.From earning to preserving.From being blessed to being a blessing.The podcast is The Second Act Executive.This episode is The Alpha Frequency.Come hell or high water, the second half of your life belongs to you.

In this episode of the Shift AI Podcast, Casey Mulligan—former Chief Economist of the White House Council of Economic Advisers and current Chief Counsel for Advocacy at the U.S. Small Business Administration—joins Boaz Ashkenazy for a timely conversation on how AI is reshaping small businesses, regulation, and the broader labor market.Casey shares his path from University of Chicago professor to serving in two presidential administrations, where he introduced automated reasoning tools into economic policy work well before the rise of large language models. He explains how his office now uses AI to review thousands of federal regulations and ensure small business voices are represented in Washington.The discussion explores accelerating AI adoption among small firms, the recent surge in new business formation, and why smaller companies may benefit more from AI than large incumbents. Casey also addresses concerns about job displacement, drawing lessons from past waves of automation and outlining why he believes the long-term impact will be increased productivity and opportunity.The episode closes with a forward-looking perspective on education, entrepreneurship, and why the “human touch” will remain a critical advantage in the future of work.Chapters[00:00] From University of Chicago to the White House[03:05] Advocating for Small Businesses in Washington[07:29] AI and the Labor Market: Lessons from Economic History[12:14] The Startup Surge and Small Business Formation[13:48] Using AI Inside the Federal Government[17:20] Vibe Coding, APIs, and Custom Productivity Tools[18:07] Automated Reasoning and Microsoft's Z3[21:23] AI in Education and Learning[24:31] Two Words for the Future of Work: Human TouchConnect with Casey Bryant MulliganLinkedIn: https://www.linkedin.com/in/casey-bryant-mulligan/Connect with Boaz AshkenazyLinkedIn: https://www.linkedin.com/in/boazashkenazy/Email: info@shiftai.fm

In der heutigen Folge sprechen die Finanzjournalisten Philipp Vetter und Holger Zschäpitz über über KI-Panik in der Logistik-Branche, Sensationszahlen für Arista Networks und Silberstreif für Coinbase. Außerdem geht es um CBRE, C.H. Robinson, Expeditors, DSV, Kühne & Nagel, Algorhythm Holdings, Microsoft, Alphabet, Amazon, Cisco, Apple, Lenovo, Applied Materials, Pinterest, Draftkings, Fastly, Heidelberg Materials, Holcim, Deutsche Telekom, T-Mobile US, Mercedes-Benz, Uber, Tesla, BYD, Nio, Xiaomi, Hermes, LVMH und NXP. Wir freuen uns an Feedback über aaa@welt.de. Noch mehr "Alles auf Aktien" findet Ihr bei WELTplus und Apple Podcasts – inklusive aller Artikel der Hosts und AAA-Newsletter. Hier bei WELT: https://www.welt.de/podcasts/alles-auf-aktien/plus247399208/Boersen-Podcast-AAA-Bonus-Folgen-Jede-Woche-noch-mehr-Antworten-auf-Eure-Boersen-Fragen.html. Der Börsen-Podcast Disclaimer: Die im Podcast besprochenen Aktien und Fonds stellen keine spezifischen Kauf- oder Anlage-Empfehlungen dar. Die Moderatoren und der Verlag haften nicht für etwaige Verluste, die aufgrund der Umsetzung der Gedanken oder Ideen entstehen. Hörtipps: Für alle, die noch mehr wissen wollen: Holger Zschäpitz können Sie jede Woche im Finanz- und Wirtschaftspodcast "Deffner&Zschäpitz" hören. +++ Werbung +++ Du möchtest mehr über unsere Werbepartner erfahren? Hier findest du alle Infos & Rabatte! https://linktr.ee/alles_auf_aktien Impressum: https://www.welt.de/services/article7893735/Impressum.html Datenschutz: https://www.welt.de/services/article157550705/Datenschutzerklaerung-WELT-DIGITAL.html

King's College London says loose fabric can track movement better than skin-tight sensors, meaning your next health tracker might be… a shirt button. Then we've got the UK pushing telecoms giants to bin surprise mid-contract price hikes (about time), plus Microsoft scrambling to patch Windows and Office bugs that hackers are already exploiting. After that: China tests new Moon-mission hardware, and Silent Hill fans get a late-night update. More on all of it at standard.co.uk — and hit follow so you don't miss the next one! Hosted on Acast. See acast.com/privacy for more information.

In episode 278 of our SAP on Azure video podcast we talk about Support for Mission Critical. When customers move their SAP systems to Azure, Microsoft is working closely with customers and their partners on the migration. We do not have our own team that actually does the migrations, but as we have highlighted several times on the show, we have dedicated teams that ensure an SAP on Azure Missions critical support. In the past we had colleagues like Hemanth Damecharla or Philiipp Leitenbauer from our engineering team in our show, who work very closely with SAP to ensure that SAP systems run best on Azure, but we also had colleagues like Etienne Dittrich from Shibli Subhanis team - or our own Goran -- who support customers closely during their preparation and the actual go-live. Today we want to talk to Anuradha Karnam who is a Cloud Solution Architect working on Support for Mission Critical, who will with us share what Support for Mission Critical is and how he and the team is helping customers.Find all the links mentioned here: https://www.saponazurepodcast.de/episode278Reach out to us for any feedback / questions:* Goran Condric: https://www.linkedin.com/in/gorancondric/* Holger Bruchelt: https://www.linkedin.com/in/holger-bruchelt/ #Microsoft #SAP #Azure #SAPonAzure #Support #MissionCritical

In this episode of "Leaders in Tech," host David Mansilla sits down with Vivek Vaidya, General Partner at Superset, to pull back the curtain on the "Company Builder" model. Vivek shares his 25-year journey from surviving the .com crash to overseeing massive exits to Microsoft and Salesforce.If you are a founder or tech leader, this conversation is a masterclass in Founder-Market Fit, "clock speed," and the grit required to turn a raw idea into a durable, data-driven enterprise.In this episode, you'll learn:The difference between an incubator and a Company Builder Studio.How to identify "Painful Business Problems" before writing code.The secret to surviving a "Hard Right Turn" (Pivot) in a volatile market.Why building technology is easy, but building companies is the ultimate challenge.Whether you're a first-time founder or a seasoned CTO, this episode will change the way you think about resilience and market adaptation.#LeadersInTech #AI #Startups #TechLeadership #VivekVaidya #LeadersInTech #VivekVaidya #Superset #CompanyBuilder #AIStartups #TechLeadership #Entrepreneurship #VentureStudio #DataScience #ScaleUp #FounderGrit #TechPivots #MicrosoftAcquisition #SalesforceMarketingCloud

OpenAI beschuldigt de Chinese AI-ontwikkelaar DeepSeek ervan op oneerlijke wijze technologie van Amerikaanse AI-bedrijven te gebruiken. Volgens de maker van ChatGPT zou DeepSeek systematisch gebruikmaken van antwoorden van Amerikaanse chatbots om het eigen model te verbeteren. Dat heeft de ChatGPT-maker aangekaart bij het Amerikaanse Huis van Afgevaardigden. Volgens OpenAI draait het om een techniek die bekendstaat als ‘distillation’. Daarbij wordt een krachtig, groot taalmodel gebruikt om een kleiner model te trainen. Dat gebeurt door grote hoeveelheden gegenereerde antwoorden als trainingsdata in te zetten. Die methode is in de AI-wereld niet nieuw, maar OpenAI stelt dat DeepSeek zonder toestemming output van Amerikaanse modellen heeft gebruikt. Het bedrijf zegt accounts te hebben geïdentificeerd die gelinkt zijn aan DeepSeek-medewerkers, waarmee deze methode zou zijn toegepast. OpenAI waarschuwt dat de technieken steeds geavanceerder en moeilijker te detecteren worden. Volgens het bedrijf raakt dit niet alleen henzelf, maar ondermijnt het het concurrentievermogen van de hele Amerikaanse AI-sector. DeepSeek zorgde vorig jaar nog voor opschudding in de AI-markt. Het bedrijf presenteerde een relatief goedkoop, maar opvallend krachtig model dat volgens kenners dicht in de buurt kwam van de prestaties van Amerikaanse concurrenten. De snelle kwaliteitsverbetering van Chinese modellen voedt al langer de discussie over technologische concurrentie tussen de VS en China. Verder in deze Tech Update met Stijn Goossens: De Europese Commissie onderzoekt of Google de prijzen van online advertenties kunstmatig hoog houdt, wat in strijd zou zijn met de EU-concurrentieregels. Als dat wordt bewezen, kan de boete oplopen tot 10% van de wereldwijde jaaromzet, terwijl het onderzoek nog in een vroege fase zit en Google stelt dat prijzen via realtime veilingen tot stand komen. Terwijl veel bedrijven instapbanen schrappen door AI, wil IBM juist drie keer meer jonge medewerkers aannemen voor werk dat AI minder goed kan uitvoeren, zoals mens- en klantgericht werk. Tegelijk waarschuwde Mustafa Suleyman van Microsoft dat veel kantoorbanen binnen anderhalf jaar geautomatiseerd kunnen worden. Zometeen in De Schaal van Hebben: Sony WF-1000XM6 See omnystudio.com/listener for privacy information.

Microsoft vyslyšel zpětnou vazbu od svých zákazníků a zákaznic a pouští se do roční mise, během které chce spravit Windows 11. Vývojový tým prioritizuje řešení chyb, optimalizuje výkon a řeší různé nedodělky v uživatelském prostředí. Uživatelský zážitek by mělo zlepšit také zastavení bezhlavé integrace Copilotu. Některé AI funkce možná zmizí. Program pořadu 01:40 – Technický stav Windows 11 11:12 – Reakce Microsoftu 18:01 – Paralela s macOS a Vistou 25:43 – Smysluplná AI 32:22 – Realita trhu

In this episode, Scott Becker explains why Microsoft is down despite strong earnings.

After years of ignoring and maligning Windows, Microsoft has finally woken up and is making some happy noises. Last week, we discussed how Microsoft plans to improve the quality of Windows and that there are already many signs of that work in various security features and new OneDrive Folder Backup changes - plus those two new direct reports to Nadella. Then, Microsoft announced its Windows Baseline Security Mode and User Transparency and Consent initiatives with questions about the timing. And now, Microsoft just explained Windows 11 version 26H1, and it's not like 24H2 at all despite being tied to Snapdragon X2 silicon.Something happened ... and that something is tied to 26H1 26H1: Only for Snapdragon X2, a "scoped release," based on a "different core" from 24H2 and 25H2 You cannot upgrade 24H2 or 25H2 to 26H1 You cannot upgrade 26H1 to 26H2 (!) - instead, those on 26H1 "will have a path to update in a future Windows release." - Is that future Windows release Windows 12? Probably 24H2, 25H2, and 26H1 will all have the same user-facing features, this has been the case with all support Windows (11) versions for 2+ years (Remember, this is not what happened with 24H2. Shipped early on Snapdragon X1, but was made available to all Windows 11 PCs later that year) So why is this happening now? Fortune 500/corporate customer pushback on AI is one guess This is GOOD news, however it all unfolds More Windows 11 Yesterday was Patch Tuesday, so get to work. Updates this month include: Agent in Settings (Copilot+ PCs only) improvements. Settings improvements, cross-device Resume improvements, Windows MIDI Services improvements, Narrator improvements, Smart App Control improvements, Windows Hello New ESS improvements, and File Explorer improvements Somewhat related to the quality/security push noted above, Microsoft is rolling out new Secure Boot certificates this year for older (pre-2024/25) PCs Microsoft announces a Store CLI that does (almost) nothing new compared to winget New Dev and Beta builds with minor changes: Emoji 16.0, camera improvements, various fixes More earnings Amazon hits $213.4 billion in revenues, will spend $200 billion CAPEX/AI infrastructure this fiscal year, more than Google ($175/$185 billion) or Microsoft (estimated $150+ billion) Qualcomm $12.25 billion in revenues, up 5 percent Alphabet/Google - Up 18 percent (!) to $113.8 billion - 750 million MAUs on Gemini, 74 percent of revenues come from advertising Spotify - somehow has over 750 million MAUs now AI and dev OpenAI and Anthropic release dueling agentic AI coding models that do more than agentic AI coding within minutes of each other Ads appear in ChatGPT Free and Go as threatened Duck.ai adds private, anonymous real-time AI voice chat NET 11 Preview 1 arrives, but there's nothing major here Xbox & games Microsoft announces the 2025 Xbox Excellence Awards Celebrate 35 years of Id Software - Castle Wolfenstein 3D was a wake-up call for PC gaming, but DOOM was a miracle, and Quake was a real WTF moment Sony sold 8 million PlayStation 5s (down 16 percent YOY) in the holiday quarter, 92 million (!) overall Valve predictably delays the vaporware Steam Machine Epic Games is having a winter sale - for example, Silent Hill 2, GTA V Enhanced are 50 percentR These show notes have been truncated due to length. For the full show notes, visit https://twit.tv/shows/windows-weekly/episodes/970 Hosts: Leo Laporte, Paul Thurrott, and Richard Campbell Sponsors: threatlocker.com/twit helixsleep.com/windows trustedtech.team/windowsweekly365 cachefly.com/twit

This week, hosts ⁠Maria Varmazis⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ (also host of the ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠T-Minus⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Space Daily show),⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Dave Bittner⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Joe Carrigan⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ are discussing the latest in social engineering scams, phishing schemes, and criminal exploits that are making headlines. Dave sits down with ⁠Simon Horswell⁠, a Senior Fraud Specialist at ⁠Entrust⁠ discussing evolving romance scams for Valentine's Day. We have some follow up on chickens and a listener write-in, with a quick note on the backyard chicken trend and a closer look at a Bank of America fraud text that looked like a phish. Maria's story follows an alleged “Dubai Crown Prince” scam that drained nearly €3 million from a Romanian businesswoman using fake banks and humanitarian appeals. Joe's story tells of a handyman-turned-boyfriend who ran multiple dating scams and stole from his partner and her family, now featured on Amazon Prime. Dave's story features Simon Horswell from Entrust explaining why romance scams hit $4.5 billion in 2024 and how scammers use psychological tricks, AI tools, and celebrity impersonation to manipulate victims. We have two catches of the day this week, one a physical letter from the DOJ and the other is an email from Microsoft. Resources and links to stories: Let's stop shipping baby chickens in the mail Inside the alleged $2.5 million Dubai Crown Prince romance scam CASHED OUT I fell in love with a handyman who came to fix my kitchen – little did I know my fairytale would cost me £150k ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Have a Catch of the Day you'd like to share? Email it to us at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠hackinghumans@n2k.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

After years of ignoring and maligning Windows, Microsoft has finally woken up and is making some happy noises. Last week, we discussed how Microsoft plans to improve the quality of Windows and that there are already many signs of that work in various security features and new OneDrive Folder Backup changes - plus those two new direct reports to Nadella. Then, Microsoft announced its Windows Baseline Security Mode and User Transparency and Consent initiatives with questions about the timing. And now, Microsoft just explained Windows 11 version 26H1, and it's not like 24H2 at all despite being tied to Snapdragon X2 silicon.Something happened ... and that something is tied to 26H1 26H1: Only for Snapdragon X2, a "scoped release," based on a "different core" from 24H2 and 25H2 You cannot upgrade 24H2 or 25H2 to 26H1 You cannot upgrade 26H1 to 26H2 (!) - instead, those on 26H1 "will have a path to update in a future Windows release." - Is that future Windows release Windows 12? Probably 24H2, 25H2, and 26H1 will all have the same user-facing features, this has been the case with all support Windows (11) versions for 2+ years (Remember, this is not what happened with 24H2. Shipped early on Snapdragon X1, but was made available to all Windows 11 PCs later that year) So why is this happening now? Fortune 500/corporate customer pushback on AI is one guess This is GOOD news, however it all unfolds More Windows 11 Yesterday was Patch Tuesday, so get to work. Updates this month include: Agent in Settings (Copilot+ PCs only) improvements. Settings improvements, cross-device Resume improvements, Windows MIDI Services improvements, Narrator improvements, Smart App Control improvements, Windows Hello New ESS improvements, and File Explorer improvements Somewhat related to the quality/security push noted above, Microsoft is rolling out new Secure Boot certificates this year for older (pre-2024/25) PCs Microsoft announces a Store CLI that does (almost) nothing new compared to winget New Dev and Beta builds with minor changes: Emoji 16.0, camera improvements, various fixes More earnings Amazon hits $213.4 billion in revenues, will spend $200 billion CAPEX/AI infrastructure this fiscal year, more than Google ($175/$185 billion) or Microsoft (estimated $150+ billion) Qualcomm $12.25 billion in revenues, up 5 percent Alphabet/Google - Up 18 percent (!) to $113.8 billion - 750 million MAUs on Gemini, 74 percent of revenues come from advertising Spotify - somehow has over 750 million MAUs now AI and dev OpenAI and Anthropic release dueling agentic AI coding models that do more than agentic AI coding within minutes of each other Ads appear in ChatGPT Free and Go as threatened Duck.ai adds private, anonymous real-time AI voice chat NET 11 Preview 1 arrives, but there's nothing major here Xbox & games Microsoft announces the 2025 Xbox Excellence Awards Celebrate 35 years of Id Software - Castle Wolfenstein 3D was a wake-up call for PC gaming, but DOOM was a miracle, and Quake was a real WTF moment Sony sold 8 million PlayStation 5s (down 16 percent YOY) in the holiday quarter, 92 million (!) overall Valve predictably delays the vaporware Steam Machine Epic Games is having a winter sale - for example, Silent Hill 2, GTA V Enhanced are 50 percentR These show notes have been truncated due to length. For the full show notes, visit https://twit.tv/shows/windows-weekly/episodes/970 Hosts: Leo Laporte, Paul Thurrott, and Richard Campbell Sponsors: threatlocker.com/twit helixsleep.com/windows trustedtech.team/windowsweekly365 cachefly.com/twit

After years of ignoring and maligning Windows, Microsoft has finally woken up and is making some happy noises. Last week, we discussed how Microsoft plans to improve the quality of Windows and that there are already many signs of that work in various security features and new OneDrive Folder Backup changes - plus those two new direct reports to Nadella. Then, Microsoft announced its Windows Baseline Security Mode and User Transparency and Consent initiatives with questions about the timing. And now, Microsoft just explained Windows 11 version 26H1, and it's not like 24H2 at all despite being tied to Snapdragon X2 silicon.Something happened ... and that something is tied to 26H1 26H1: Only for Snapdragon X2, a "scoped release," based on a "different core" from 24H2 and 25H2 You cannot upgrade 24H2 or 25H2 to 26H1 You cannot upgrade 26H1 to 26H2 (!) - instead, those on 26H1 "will have a path to update in a future Windows release." - Is that future Windows release Windows 12? Probably 24H2, 25H2, and 26H1 will all have the same user-facing features, this has been the case with all support Windows (11) versions for 2+ years (Remember, this is not what happened with 24H2. Shipped early on Snapdragon X1, but was made available to all Windows 11 PCs later that year) So why is this happening now? Fortune 500/corporate customer pushback on AI is one guess This is GOOD news, however it all unfolds More Windows 11 Yesterday was Patch Tuesday, so get to work. Updates this month include: Agent in Settings (Copilot+ PCs only) improvements. Settings improvements, cross-device Resume improvements, Windows MIDI Services improvements, Narrator improvements, Smart App Control improvements, Windows Hello New ESS improvements, and File Explorer improvements Somewhat related to the quality/security push noted above, Microsoft is rolling out new Secure Boot certificates this year for older (pre-2024/25) PCs Microsoft announces a Store CLI that does (almost) nothing new compared to winget New Dev and Beta builds with minor changes: Emoji 16.0, camera improvements, various fixes More earnings Amazon hits $213.4 billion in revenues, will spend $200 billion CAPEX/AI infrastructure this fiscal year, more than Google ($175/$185 billion) or Microsoft (estimated $150+ billion) Qualcomm $12.25 billion in revenues, up 5 percent Alphabet/Google - Up 18 percent (!) to $113.8 billion - 750 million MAUs on Gemini, 74 percent of revenues come from advertising Spotify - somehow has over 750 million MAUs now AI and dev OpenAI and Anthropic release dueling agentic AI coding models that do more than agentic AI coding within minutes of each other Ads appear in ChatGPT Free and Go as threatened Duck.ai adds private, anonymous real-time AI voice chat NET 11 Preview 1 arrives, but there's nothing major here Xbox & games Microsoft announces the 2025 Xbox Excellence Awards Celebrate 35 years of Id Software - Castle Wolfenstein 3D was a wake-up call for PC gaming, but DOOM was a miracle, and Quake was a real WTF moment Sony sold 8 million PlayStation 5s (down 16 percent YOY) in the holiday quarter, 92 million (!) overall Valve predictably delays the vaporware Steam Machine Epic Games is having a winter sale - for example, Silent Hill 2, GTA V Enhanced are 50 percentR These show notes have been truncated due to length. For the full show notes, visit https://twit.tv/shows/windows-weekly/episodes/970 Hosts: Leo Laporte, Paul Thurrott, and Richard Campbell Sponsors: threatlocker.com/twit helixsleep.com/windows trustedtech.team/windowsweekly365 cachefly.com/twit

Super Bowl AI ads are probably why RAM is so expensive, ChatGPT ads are here, Apple's Siri update with Gemini is delayed “again,” Ferrari's first EV with Jony Ive-designed interior, and a wild  Vision Pro experiment.Ad-Free + Bonus EpisodesShow Notes via EmailCreative Effort - Jason's PodcastWatch on YouTube!Join the CommunityEmail Us: podcast@primarytech.fm@stephenrobles on Threads@jasonaten on Threads------------------------------Sponsors:Claude AI - Ready to tackle bigger problems? Sign up for Claude today and get 50% off Claude Pro, which includes access to Claude Code at: claude.ai/primaryCleanMyMac - Get Tidy Today! Try 7 days free and use my code PRIMARYTECH for 20% off at clnmy.com/PRIMARYTECH------------------------------Links from the showStephen's Vision Pro Experiment - YouTubeAn app developer is suing Apple for Sherlocking it with Continuity Camera | The VergeBen Affleck & Jennifer Aniston Star In 'Good Will Dunkin' Super Bowl Ad - YouTubeJurassic Park... Works | Big Game Commercial 2026 | Xfinity - YouTubeArtlist's Official Big Game Commercial 2026 - YouTubeYouTube TV Gets Cheaper Sports, News, and Entertainment Bundles - MacRumorsChatGPT's cheapest options now show you ads | The VergeHere are the brands bringing ads to ChatGPT | The VergeiOS 26.3 has fixes for 35+ security issues on iPhone, details here - 9to5MacApple's iOS 26.4 Siri Update Runs Into Snags in Internal Testing; iOS 26.5, 27 - BloombergDaring Fireball: Apple Is Delaying the ‘More Personalized Siri' Apple Intelligence FeaturesApple picks Google's Gemini to run AI-powered Siri coming this yearBlastDoor for Messages and IDS - Apple SupportApple Acquires 'Severance', Eyes Season 3 Start and Season 4 (Exclusive)Ferrari's first EV will have an interior designed by Jony Ive | The VergeGoogle Photos brings 'Create with AI' templates to iPhoneOpenAI's Jony Ive-Designed Device Delayed to 2027 - MacRumorsAirDrop-Quick Share Interoperability Expanding to More Android Phones - MacRumorsMeta launches AI algorithm personalization feature for ThreadsTikTok launches an opt-in Local Feed in the US leveraging users' precise location | TechCrunchCoinbase rolls out AI tool to 'give any agent a wallet' | The Block ★ Support this podcast ★

Jake and Michael discuss all the latest Laravel releases, tutorials, and happenings in the community.Show linkshasSole() Collection Method in Laravel 12.49.0hasMany() Collection Method in Laravel 12.50.0Filament v5.2.0 Adds a Callout ComponentClawdbot Rebrands to Moltbot After Trademark Request From AnthropicInstall Laravel Package Guidelines and Skills in BoostFuse for Laravel: A Circuit Breaker Package for Queue JobsNativePHP for Mobile Is Now FreeManage PostgreSQL Databases Directly in VS Code with Microsoft's ExtensionLivewire 4 and Blade Improvements in Laravel VS Code Extension v1.5.0Statamic 6 Is Officially ReleasedLaravel Announces Official AI SDK for Building AI-Powered AppsClaude Opus 4.6 adds adaptive thinking, 128K output, compaction API, and moreOpenAI Releases GPT-5.3-Codex, a New Codex Model for Agent-Style DevelopmentLaravel Live UK returns to London on June 18-19, 2026Bagisto Visual: Theme Framework with Visual Editor for Laravel E-commerceGenerate Complete Application Modules with a Single Command using Laravel TurboMakerEncrypt Files in Laravel with AES-256-GCM and Memory-Efficient StreamingMask Sensitive Eloquent Attributes on Retrieval in LaravelLaravel Related Content: Semantic Relationships Using pgvector

After years of ignoring and maligning Windows, Microsoft has finally woken up and is making some happy noises. Last week, we discussed how Microsoft plans to improve the quality of Windows and that there are already many signs of that work in various security features and new OneDrive Folder Backup changes - plus those two new direct reports to Nadella. Then, Microsoft announced its Windows Baseline Security Mode and User Transparency and Consent initiatives with questions about the timing. And now, Microsoft just explained Windows 11 version 26H1, and it's not like 24H2 at all despite being tied to Snapdragon X2 silicon.Something happened ... and that something is tied to 26H1 26H1: Only for Snapdragon X2, a "scoped release," based on a "different core" from 24H2 and 25H2 You cannot upgrade 24H2 or 25H2 to 26H1 You cannot upgrade 26H1 to 26H2 (!) - instead, those on 26H1 "will have a path to update in a future Windows release." - Is that future Windows release Windows 12? Probably 24H2, 25H2, and 26H1 will all have the same user-facing features, this has been the case with all support Windows (11) versions for 2+ years (Remember, this is not what happened with 24H2. Shipped early on Snapdragon X1, but was made available to all Windows 11 PCs later that year) So why is this happening now? Fortune 500/corporate customer pushback on AI is one guess This is GOOD news, however it all unfolds More Windows 11 Yesterday was Patch Tuesday, so get to work. Updates this month include: Agent in Settings (Copilot+ PCs only) improvements. Settings improvements, cross-device Resume improvements, Windows MIDI Services improvements, Narrator improvements, Smart App Control improvements, Windows Hello New ESS improvements, and File Explorer improvements Somewhat related to the quality/security push noted above, Microsoft is rolling out new Secure Boot certificates this year for older (pre-2024/25) PCs Microsoft announces a Store CLI that does (almost) nothing new compared to winget New Dev and Beta builds with minor changes: Emoji 16.0, camera improvements, various fixes More earnings Amazon hits $213.4 billion in revenues, will spend $200 billion CAPEX/AI infrastructure this fiscal year, more than Google ($175/$185 billion) or Microsoft (estimated $150+ billion) Qualcomm $12.25 billion in revenues, up 5 percent Alphabet/Google - Up 18 percent (!) to $113.8 billion - 750 million MAUs on Gemini, 74 percent of revenues come from advertising Spotify - somehow has over 750 million MAUs now AI and dev OpenAI and Anthropic release dueling agentic AI coding models that do more than agentic AI coding within minutes of each other Ads appear in ChatGPT Free and Go as threatened Duck.ai adds private, anonymous real-time AI voice chat NET 11 Preview 1 arrives, but there's nothing major here Xbox & games Microsoft announces the 2025 Xbox Excellence Awards Celebrate 35 years of Id Software - Castle Wolfenstein 3D was a wake-up call for PC gaming, but DOOM was a miracle, and Quake was a real WTF moment Sony sold 8 million PlayStation 5s (down 16 percent YOY) in the holiday quarter, 92 million (!) overall Valve predictably delays the vaporware Steam Machine Epic Games is having a winter sale - for example, Silent Hill 2, GTA V Enhanced are 50 percentR These show notes have been truncated due to length. For the full show notes, visit https://twit.tv/shows/windows-weekly/episodes/970 Hosts: Leo Laporte, Paul Thurrott, and Richard Campbell Sponsors: threatlocker.com/twit helixsleep.com/windows trustedtech.team/windowsweekly365 cachefly.com/twit

On this episode, I go into an update on the Secure Boot certificate update, the upcoming Windows 11 26H1 release, recent Azure outage, signs Microsoft will be focusing on quality and more! Reference Links: https://www.rorymon.com/blog/patch-tuesday-news-azure-outage-impacted-windows-updates-wom11-26h1-info/

In this episode of FP&A Unlocked, host Paul Barnhurst sits down with Aswin Saravanan, VP of Finance at Qualtrics, to explore what it really takes for FP&A teams to move from insight to action. Aswin shares why trust is the foundation of strategic finance, how culture and vision enable better decision making, and why simplicity in financial modeling often delivers the greatest impactAswin is a strategic finance leader with over a decade of experience across global technology companies. He specializes in connecting strategy to execution and helping finance drive business outcomes. Currently the VP of Finance at Qualtrics, he brings deep expertise across corporate, product, and go-to-market finance. He has previously held leadership roles at Microsoft and HubSpot.Expect to LearnWhat great FP&A looks like as a strategic business partnerWhy is trust required to move from insight to actionHow culture and vision shape high-performing FP&A teamsThe importance of simple financial models over complex onesHow FP&A teams create strategic value that influences the futureHere are a few relevant quotes from the episode:“Taking something from insight to action requires trust. Without trust, nothing really moves.” - Aswin Saravanan“Great FP&A is when the team can be a proactive strategic partner and actually change the trajectory of the company.”- Aswin SaravananAswin Saravanan shares practical insights on how FP&A teams can move from reporting to truly influencing business outcomes. By building trust, setting a clear vision, and keeping financial models simple, finance leaders can turn insight into action. The conversation reinforces that strategic value comes from helping the business make better decisions about the future.Campfire: AI-First ERP:Campfire is the AI-first ERP that powers next-gen finance and accounting teams. With integrated solutions for the general ledger, revenue automation, close management, and more, all in one unified platform.Explore Campfire today: https://campfire.ai/?utm_source=fpaguy_podcast&utm_medium=podcast&utm_campaign=100225_fpaguyFollow Aswin:LinkedIn - https://www.linkedin.com/in/aswinsaravanan/Company - https://www.linkedin.com/company/qualtrics/Earn Your CPE Credit For CPE credit, please go to earmarkcpe.com, listen to the episode, download the app, and answer a few questions and earn your CPE certification. To earn education credits for FPAC Certificate, take the quiz on earmark and contact Paul Barnhurst for further details.In...

Guest June Hunter is a trained paralegal professional and legal technology trainer with a 35-year career in legal services that spans the profession's growth from the days of physical, paper files to today's legal tech AI revolution.  Hear how Hunter has come to feel that paralegal professionals are “the best project managers in the world,” juggling clients, lawyers, tech tools, and court schedules and deadlines. The paralegal profession is no longer limited to helping process legal documents. Technology has expanded the field into so many new areas and specialties.  The best part about today's tech tools, including AI, is that in the long run, it can save clients money, increase efficiencies, and solve ethical issues involving billing. Hunter's message: be eager to embrace and master the latest technology throughout your career. The smartest person in the room is the person who's not afraid to ask questions and learn new things. Mentioned in This Episode: San Diego Paralegal Association San Diego Legal Secretaries Association Los Angeles Paralegal Association MCLE, California Minimum Continuing Legal Education A History of Microsoft's “Clippy”  NALA, The Paralegal Association NALA Conference & Expo 2026 Learn more about your ad choices. Visit megaphone.fm/adchoices

In today's Cloud Wars Minute, I explain why the AI revolution isn't a bubble — it's backed by unprecedented backlog growth.Highlights00:02 — There are some wild numbers being thrown around here early in 2026 as we think about the CapEx investments that the four hyperscalers — Microsoft, AWS, Google Cloud, and Oracle — are making to build up their AI factories, their AI and cloud infrastructure to meet the incredible demand for AI training, inferencing, cloud transformations, business transformations, and more.01:28 — The money, the huge revenue, is already there, and it's growing at an incredible pace. That's why these companies are investing so much, because the market is so enormous, the potential is so huge. This number —$1.63 trillion — that's the amount of either RPO or backlog combined that those four companies have generated going forward.02:12 — The RPO backlog figures for each of these companies are: Microsoft, $625 billion, growing at 110%; Oracle, $523 billion, growing at 438%; AWS, $240 billion, up 40%; Google Cloud, $240 billion, growing at 55%. These are very fresh figures from their Q4 earnings results.03:28 — Microsoft and Google each going to spend about $185 billion in CapEx this fiscal year; AWS, $200 billion; and Oracle, about $75 billion. That totals up to $645 billion dollars in CapEx. The world has never seen anything like this. We're into unprecedented territory here.04:39 — That is money that's chasing this already committed business in RPO and backlog. This is $1.63 trillion. That's right here, right now — a snapshot of what they already have in backlog. Even if they don't come anywhere close to those growth rates, they're still showing extraordinary growth and vitality. Visit Cloud Wars for more.

Au programme :Nintendo Direct: du moyen, du moyen et des démoHorizon Hunters Gathering, l'annonce surprise de PlayStationPour ses 30 ans, Diablo met du Warlock partoutNos jeux du momentCairn – Thomas adoreRelooted – Thomas adoreDragon Quest 7 Reimagined (demo) – Eska n'accroche pasFinal Fantasy IX (Remaster) – Eska adoreDays Gone – Winston aime bien, mais bonUncharted Nathan Drake Collection – Winston apprécieTurmoil – Winston trouve ça moyenMonster Hunter Stories 3 (demo) – Graphiquement sublime, Patrick est séduitPragmata (demo) – Original et prometeur, Patrick est intriguéBlazBlue: Entropy Effect X (demo) – Patrick dit bofNi-Oh 3 (demo) – Patrick dit bof bofLink's Awakening – Patrick n'a pas adoréOverwatch – WE ARE SO BACK!!Le reste de l'actualité---Infos :Animé par Patrick Beja (Bluesky, Instagram, Twitter, TikTok)Co-animé par Maïté “Eskarina” (Bluesky).Co-animé par Thomas Méreur « Amaebi » (Bluesky).Co-animé par Winston (Bluesky).Produit par Patrick Beja (LinkedIn) et Fanny Cohen MoreauMusique par Daniel Beja.Le Rendez-vous Jeux épisode 434 – WE ARE SO BACK!! – Overwatch, Relooted, Cairn, MH Stories 3, Pragmata, Nintendo Direct, Horizon Hunters Gathering, DiabloLiens :

On Cloud Realities, the real insight rarely came from technology alone, it emerged at the intersection of People, Culture, Industry, and Technology. In the remix we bring back familiar voices and topics while going deeper into the wider impacts, influence, and potential of today's tech across society. The 2026 season trailer, arriving a little later than planned, opens with this renewed focus and sets the stage for Episode 1, launching on February 19. Here's a quick trailer to get you ready!TLDR00:11 The emergence of insight from Cloud Realities01:00  Where the magic happens 01:42 The real impact on People, Culture, Industry and Tech HostsDave Chapman:  https://www.linkedin.com/in/chapmandr/Esmee van de Giessen:  https://www.linkedin.com/in/esmeevandegiessen/Rob Kernahan:  https://www.linkedin.com/in/rob-kernahan/ProductionMarcel van der Burg:  https://www.linkedin.com/in/marcel-vd-burg/Dave Chapman:  https://www.linkedin.com/in/chapmandr/ SoundBen Corbett:  https://www.linkedin.com/in/ben-corbett-3b6a11135/Louis Corbett:   https://www.linkedin.com/in/louis-corbett-087250264/ 'Realities Remixed' is an original podcast from Capgemini

Welcome to Top of Mind with Consilio Wealth!Hao Dang and Alex Dorell unpack the recent market pullback and rising fears of “AImageddon” as AI-related stocks face new scrutiny. They explore whether this volatility signals deeper trouble or simply a shift from hype to profitability in the AI trade.The conversation also covers sharp sell-offs in SaaS, travel, and financial data companies, along with big swings in gold, silver, and crypto. Are these true safe havens — or just momentum trades fueled by speculation?We discuss:➡️ The tech-led market sell-off and spike in volatility➡️ AI spending concerns at Microsoft, Meta, and other Big Tech firms➡️ SaaS and service companies under pressure from AI disruption fears➡️ Job displacement vs. productivity gains from AI➡️ Gold, silver, and crypto volatility during market stress➡️ Investor psychology, leverage, and market rotation

Laffer Tengler Investments CEO Nancy Tengler talks with TITV Host Akash Pasricha about the recent software selloff and why she is doubling down on Nvidia, Palantir, and Apple. We also talk with The Information's Aaron Holmes about the "agent dashboard" battle between Microsoft, Salesforce, and OpenAI, and Buttonwood Funds' Joseph Alagna about the synergies behind the SpaceX and xAI merger. Lastly, we get into the future of orbital computing with Robinhood co-founder Baiju Bhatt as he unveils his new space startup, Aetherflux.Articles discussed on this episode: https://www.theinformation.com/articles/new-ai-superagent-race-pitting-openai-anthropic-microsoft-salesforcehttps://www.theinformation.com/newsletters/applied-ai/looming-battle-agent-management-softwareSubscribe: YouTube: https://www.youtube.com/@theinformation The Information: https://www.theinformation.com/subscribe_hSign up for the AI Agenda newsletter: https://www.theinformation.com/features/ai-agendaTITV airs weekdays on YouTube, X and LinkedIn at 10AM PT / 1PM ET. Or check us out wherever you get your podcasts.Follow us:X: https://x.com/theinformationIG: https://www.instagram.com/theinformation/TikTok: https://www.tiktok.com/@titv.theinformationLinkedIn: https://www.linkedin.com/company/theinformation/

Neil Patel's origin story involves borrowing from his parents' life savings to keep his startup alive. Not only did his plan work, but he built a million-dollar company, advised companies including Amazon, Google, and Microsoft— and, he paid his parents back. Today, Neil breaks down the money lessons he learned once he made it big. He shares why he still drives a minivan despite being able to afford something bougie, the unusual way he teaches his kids about taxes, and the important distinction he makes between success and wealth. Then, Nicole and Neil get tactical and dig into the future of getting discovered online. Neil explains why traditional search is dead and how to adapt, what founders can do if they have a $0 marketing budget, and the SEO do's and don'ts of naming your business.  Check out Nicole's financial literacy course The Money School  Find a Financial Advisor or Financial Coach from Nicole's company Private Wealth Collective Watch video clips from the pod on Money Rehab's Instagram and Nicole Lapin's Instagram Check out Answer the Public, the free tool Neil mentioned in this conversation Find more of Neil's work and resources here Here's what Nicole covers with Neil: 00:00 Are You Ready for Some Money Rehab? 01:09 Launching Crazy Egg and Borrowing From Parents 06:42 Next Ventures and Kissmetrics  09:43 Do's and Don'ts of Naming Businesses 15:31 NP Digital's Massive Success vs Personal Success 21:19 Neil's Perspective on Wealth, and the “Big R” Framework 29:32 Hot Takes on Money 30:07 Teaching Taxes Through Ice Cream 32:15 Living with Less and Financial Goals 38:45 Trust Funds and Regrets 42:09 Actionable Digital Marketing Advice for Business Owners 42:26 Choose Your Fighter: Email List, Website or Instagram? 44:59 Why Traditional Search is Dead 46:59 SEO vs AEO 55:29 Marketing Tips for a $0 Budget 01:00:49 Tip You Can Take Straight to the Bank

Microsoft Patch Tuesday - February 2026 https://isc.sans.edu/diary/Microsoft%20Patch%20Tuesday%20-%20February%202026/32700 Refreshing the root of trust https://blogs.windows.com/windowsexperience/2026/02/10/refreshing-the-root-of-trust-industry-collaboration-on-secure-boot-certificate-updates/ Fake 7-Zip downloads are turning home PCs into proxy nodes https://www.malwarebytes.com/blog/threat-intel/2026/02/fake-7-zip-downloads-are-turning-home-pcs-into-proxy-nodes FortiNet Vulnerabilities https://fortiguard.fortinet.com/psirt/FG-IR-25-093 https://fortiguard.fortinet.com/psirt/FG-IR-25-1052

Dan Nathan sits with Dan Ives, head of Technology Research at Wedbush. They delve into Q1 market earnings, guidance for 2026, and the implications on CapEx and stock market reactions. The discussion expands to OpenAI's influence, disruptive technologies, and tech stocks like Microsoft, Meta, and Nvidia. They also cover Ives' diversified roles including his tech research, crypto investments, and his eponymous ETF. The conversation touches on AI's impact on tech and software sectors, the rise of financial services utilizing AI, and the broader implications for future investments and market behavior. Show Notes He's Wall Street's Biggest Showman. Should You Trust Him? (Barron's) —FOLLOW USYouTube: @RiskReversalMediaInstagram: @riskreversalmediaTwitter: @RiskReversalLinkedIn: RiskReversal Media

Austin shares the 3 things he looked for when looking for people to hire at Microsoft. Make sure you're doing these 3 key things before and during your interview!Time Stamped Show Notes:[0:25] - 3 Things Austin Looked For When Interviewing People At Microsoft[1:25] - Giving specific answers vs. giving general answers[3:52] - Do they have a side hustle?[6:00] - What kind of questions do they ask?Resources Mentioned In Today's Episode:CultivatedCulture.com/InterviewsWant To Level Up Your Job Search?Click here to learn more about 1:1 career coaching to help you land your dream job without applying online.Check out Austin's courses and, as a thank you for listening to the show, use the code PODCAST to get 5% off any digital course:The Interview Preparation System - Austin's proven, all-in-one process for turning your next job interview into a job offer.Value Validation Project Starter Kit - Everything you need to create a job-winning VVP that will blow hiring managers away and set you apart from the competition.No Experience, No Problem - Austin's proven framework for building the skills and experience you need to break into a new industry (even if you have *zero* experience right now).Try Austin's Job Search ToolsResyBuild.io - Build a beautiful, job-winning resume in minutes.ResyMatch.io - Score your resume vs. your target job description and get feedback.ResyBullet.io - Learn how to write attention grabbing resume bullets.Mailscoop.io - Find anyone's professional email in seconds.Connect with Austin for daily job search content:Cultivated CultureLinkedInTwitterThanks for listening!

For most of my career, I've been focused on two things: Operating businesses and Multifamily real estate. The strategy has been pretty simple. Take money generated from higher-risk, active businesses… and move it into more stable, long-term assets like apartment buildings. That shift—from risk to stability—is how I've tried to build durability over time. Now, to be fair, the sharp rise in interest rates a few years ago put a dent in that model. But zooming out, it's still worked well for me overall. So I'm sticking with it. That said, there are other ways to think about real estate. In some cases, the real opportunity is when you combine real estate with an operating business. We've done that before in the Wealth Formula Investor Club with self-storage, and the results were excellent. Storage is operationally simple, relatively boring—and that's exactly why it works. But there's another category that sits at the opposite end of the spectrum. Hotels. They're sexier.They're more volatile.And yes—they're riskier. But the upside can be dramatically higher. One of my closest friends here in Montecito has quietly built a fortune doing boutique hotels over the past few years. He started with a no-frills hotel in Texas serving the oil drilling industry. Over time, he combined his operational experience with his talent as a designer—and eventually created some of the highest-rated boutique hotels in the world. He's absolutely crushing it. Of course, most of us aren't world-class designers or architects. I'm certainly not. Still, his success made me curious. Hotels have been on my radar for a while now—not because I understand the business, but because I don't. When I asked him how he learned the hotel industry, his answer was honest: “I figured it out on the fly—starting with my first acquisition and a great broker.” That's usually how real learning happens. So this week on the Wealth Formula Podcast, I brought on an expert in hospitality investing to educate both of us. We cover the basics: How hotel investing actually worksWhere the real risks are (and where they aren't)How returns differ from multifamilyAnd what someone should understand before ever touching their first hotel deal If you've ever thought about buying or investing in hotels—but didn't know where to start—welcome to the club. You don't have to jump in tomorrow. But you do have to start somewhere. This episode is a good starting point. Listen on Apple Podcasts: https://podcasts.apple.com/gb/podcast/545-should-you-invest-in-hotels/id718416620?i=1000748759003 Listen on Spotify: https://open.spotify.com/episode/5Lx5Rp4x704lWRazWLqDOK Watch on YouTube: https://youtu.be/GMFf6-g8w_0 Transcript Disclaimer: This transcript was generated by AI and may not be 100% accurate. If you notice any errors or corrections, please email us at phil@wealthformula.com. Welcome everybody. This is Buck Joffrey with the Wealth Formula Podcast coming to you from Montecito, California. Before we begin today, I wanna remind you, if you’ve not done so and you are an accredited investor, go to wealthformula.com, sign up for our investor club. Uh, the opportunity there is really to see private deal flow that you wouldn’t otherwise see because it can’t be advertised. And, uh, only available to those people who are deemed accredited. And then what does accredited mean as a reminder? Well, if you’re married, you make $300,000 per year combined for at least two years with a reasonable expectation, continue to do so, or you have a net worth of a million dollars outside of your personal residence. Or if you’re single like me, $200,000 per year or a million dollars net worth. Anyway, that’s probably, uh, most of you. So all you gotta do is go to wealth formula.com, sign up for investor club because hey, who doesn’t wanna be part of a club? And, uh, by the way, it’s a great price. It’s free. So join it. Just get onboarded and all you gotta do is just wait for deal flow. What a deal. Now let’s talk about different kinds of things to invest in. For most of my career, I, I have really focused on two things I’ve focused on. Either operating businesses, uh, in my case, those operating businesses largely have been medical and multifamily real estate. Uh, the strategy itself, theoretically the way I think about it, take money from sort of these active businesses, a higher risk, move them into more stable long-term assets like apartment buildings. Okay? The idea is that’s how you build some durability over time. Now, to be fair, okay, to be fair. Sharp rise in interest rates a few years ago. Put a little bit of a dent in that model. But here’s the thing is that you can’t throw out the, uh, baby with the bath water. ’cause when I zoom out, still worked well for me overall. So I’m sticking with it and, uh, that’s my story. I’m sticking with it. That said, there are always other ways to think about real estate, right? Real estate is not just multifamily. Um, in some cases, the real opportunity is when you combine real estate and operating businesses. So. We’ve actually done that before in our wealth formula investor club. Um, and we’ve done that through self-storage, for example, and the results were really good. Storage is operationally, generally pretty simple. Probably not that simple, but you know, but more so than other things, relatively boring. Boring is good, and that’s exactly why it works. There’s another category that sits at the opposite end of the spectrum of boring, and it’s sexier and it’s more volatile and it’s riskier. And uh, that is the area of hotels, right, like leisure, that kind of thing. But the upside in those things can be dramatically higher. You know, one of my closest friends here. Montecito, I talk about him all the time. He’s a, he is a little bit of an inspiration to me, although I wouldn’t tell that to in space. He’s built a fortune doing boutique hotels over the past few years and the way he started, you know, and I think it was only about a decade ago because he bought like this no frills hotel in Texas that was serving the oil industry. There was a bunch of guys, you know, drilling needed a place to say, and you know, he had this and he actually. I don’t know that I would recommend this, but he, he told me he bought it sight unseen just based on the numbers. Ah, man, I gotta tell you, I don’t think I’m that lucky. If I bought something sight unseen, it would not work great for me, but it did work great for him. But over time, what he did is he, he combined his operational experience with his talent as he’s like a designer, like designs, homes, an architect, uh, of sorts, although more than that. Um, and he, he used to build houses for like famous people in Hollywood. Anyway, he took that skill and so he combined it with hotels and he created some of the highest rated boutique hotels in the world. And he’s absolutely crushing it. Just crushing it. Of course, the reality is that most of us aren’t world-class designers or architects. I’m certainly not. I’m not artistic at all. Still, um, you know, the fact that he’s had so much success in this space and that he loves hotels. What got me curious? So, hotels have been on my radar for a while, not because I understand the business, but actually because I don’t. And when I asked him how he learned, uh, about the hotel industry, he just said, you know, I figured out on the fly and, uh, you know, started with my first acquisition, had a great broker who taught me everything I, you know, needed to know at the beginning and. That’s a great story. I mean, and ideally that’s how things happen. As you can tell, this guy is, uh, seems to just hit on everything. So good for him. So this week on Wealth Formula Podcast, I wanted to get a little bit of a hotel investing 1 0 1. So I brought on an expert in hospitality investing that could educate both you and me. So we’re gonna cover some of the basics, how hotel actually works, you know, what are the risks returns. Like, what should people do if they even consider, you know, buying their first hotel or investing in one? So if you’ve ever thought about investing, uh, in hotels, or maybe that’s the first time you’re hearing about it and you’re curious, uh, welcome to the club and uh, we will have a great interview for you right after these messages. Wealth formula banking is an ingenious concept powered by whole life insurance, but instead of acting just as a safety net, the strategy supercharges your investments. First, you create a personal financial reservoir that grows at a compounding interest rate much higher than any bank savings account. As your money accumulates, you borrow from your own. Bank to invest in other cash flowing investments. Here’s the key. Even though you’ve borrowed money at a simple interest rate, your insurance company keeps paying you compound interest on that money even though you’ve borrowed it. At result, you make money in two places at the same time. That’s why your investments get supercharged. This isn’t a new technique. It’s a refined strategy used by some of the wealthiest families in history, and it uses century old rock solid insurance companies as its backbone. Turbocharge your investments. Visit Wealth formula banking.com. Again, that’s wealth formula banking.com. Welcome back to the show, everyone. Today. My guest on Wealth Farm I podcast is, uh, John O’Neill. He’s a, a professor of hospitality management and director of the Hospitality Real Estate Strategy Group at Pennsylvania State University. Uh, he spent decades studying hotel valuation performance, Cabo flows and economic cycles in in the lodging industry. John, thanks for, uh, joining us. You’re welcome. So, you know, we’re talking offline. You’ve been in the hotel business for a long time. We’re trying to figure out how to frame this thing because you know, I mean there are, I know there are certainly people in. Uh, who in, in my group and my listeners, my community who are in the hotel space, but a lot of ’em aren’t. And you know, they’ve been thinking about, well, you know, we do a lot of apartment buildings, that kind of thing. Um, you know, what else should we be thinking about? And so, you know, when we hear, uh, hotel, um, they’re thinking of hospitality. But from an investor’s perspective, I guess the first question ask is what kind of real estate asset is a hotel? And, and may, may maybe just sort of fundamentally how different it is. From apartments office or retail? Yeah, that’s a great question because hotels are fundamentally different. But what I’ve seen over the past few years as well is hotels have increasingly been considered to be a component of commercial real estate. So we’ve always thought about office and retail and residential and industrial as being components of commercial real estate, but increasingly. Investors are thinking about hotels that way as well, because some of the high risk aspects of hotels have been moderated a little bit. So they are still considered to be a high risk and potentially high reward category, but they’re much more cyclical than those other types of businesses. So if we look at apartment leases, maybe being a year or two. Office leases may be being three to five years and retail leases could be five or 10 years. The leases in hotels are one or two nights, so there’s upside, but there’s risk involved in that as well. So when there’s pressure in a market to increase rates, like here where I am in University Park, Pennsylvania, when we have a home football game. We can see hotels with average daily rates of maybe a hundred to $200 a night charging seven, eight, $900 per night, and filling up on those rates. You can’t do that in an office building or in a retail center. And so there’s great opportunity when demand increases to push up rates and to greatly benefit from that. The flip side of courses on Sunday night when all those guests leave. You might be back to a hundred dollars a night and running 20 or 30% occupancy. Do hotels kind of follow the rest of real estate in terms of market cycles though? Yeah, it depends. I, I would say in many cases they’re actually leaders, which again, double-edged sword there. So for, yeah, when we plummeted in 2020 because of COVID hotels were probably the first category really to see it. Demand dried up overnight, and you go back to September 11th, 2001 on September 12th, 2001, a lot of hotels were empty and that wasn’t the case with office buildings and retail centers. The flip side, of course, is when the economy started improving, hotel operators could start pushing their rates very quickly. And so other categories of commercial real estate didn’t receive those benefits. Yeah, I mean, obviously there’s certainly gonna be. Real estate that’s often used that that’s often using debt and, you know, probably has the same sort of, uh, issues with regard to cap rate compression or decompression based on interest rates as well. Right, right. So, um, where are we? Right? What would you say right now, like, I mean, we know that. Our, we’ve been following very closely on the multifamily side. You know, prices are depressed. I mean, from 2022, we’re looking at probably 30% to 40%. Most, most, uh, large apartment complexes are not moving because people don’t wanna sell into a down market. But when they are, they’re being sold at 30, 40% discounts compared to 2022. Where is the, where is the hotel? Market at right now? It it, it’s challenged because right now we’re seeing discrepancies between where buyers wanna buy and sellers wanna sell. We’ve started to see some movement because some sellers have come down a bit in pricing because of what we’ve seen in 2025, the market really did soften as far as the hotel business is concerned. So in 2025. We really saw no increase in occupancy and in many markets we saw some decreases in occupancy. We are still seeing average daily rates going up a little bit, so yeah. Might be worth maybe a quick step backward that the two key indicators in terms of hotel lodging performance would be occupancy and average daily rate. With occupancy being the extent to which the guest rooms are occupied and average daily rate being the average price somebody is paying. We can talk about the mathematics of those, but, um, just I think conceptually, hopefully that makes sense. But, so, you know, at this point what we’re seeing is average daily rates are still going up a little bit, and the forecasts for 2026 are. Pretty much more of the same, where we’re not expected to see great occupancy increases, but we are anticipating that the average daily rates might go up a little bit. Uh, and, and in fact we might see occupancies decline slightly. And, uh, we might see, uh, average daily rates still possibly going up a little bit. That’s usually an indicator of being late in the cycle, you know, being somewhere near the peak and, and, you know, if the trough was 2020. Which was a pretty deep trough. 2021, we started seeing improvements and we saw great improvements in 22, 23, and 24, and so it’s looking like the end of a cycle. The thing we don’t really know for sure is, is there some reason that we’re going to really go into a substantial down period or are we actually in a situation where we’re going to have another upcycle? Yeah. You know, the other thing I was curious about too, like when you talk about these cycles for hotels, even within hotels, there are certainly, you know, different types of hotels. You know, there’s the boutiquey ones that are pe really pure tourism versus the ones that, okay, well maybe they are, you know, good for football games or. There’s others that are people use for, for, for work frequently, right? They’re, they’re just passing through for, for work trips. Do you, is there, um, is that difficult to extricate those types of different economies running at the same time? It’s not, I, I don’t know that it’s that difficult, you know, just to give you a little bit about my background, I’ve been a professor for some time, but prior to being a professor I worked for. Three of the four major hospitality organizations, namely Marriott, IHG, and Hyatt. Uh, and so going back into the 1980s when I was doing feasibility studies for proposed Marriott hotels, we, in most markets, analyzed three markets segments. And, and you essentially said what they are commercial business, which are your business travelers, leisure business, which are your pleasure travelers, and then groups, which includes conventions and, and those are still the three major market segments in most markets. In, in some markets. For example, if you’re approximate to a major international airport, there’s usually a fourth segment, which is that fourth segment is airline crew business, which is, is very different than the other three because. Whereas the other three go up and down throughout, not just the year, but throughout the week. Airline crew business tends to be stable throughout the year, so it, it, it’s in your hotel 365 nights outta the year. So it’s, it’s a very low risk, but also a very low rated market segment. So it, I don’t know if that’s that complicated, but it just needs to be broken out as you delineated it, which is that there’s. Three or four market segments in any market. And in terms of studying a hotel for development or for investment, it’s necessary to understand not just what’s going on on the supply side, in other words what’s going on in the hotels, but what’s going on in the demand side as well. So give you an example. I recently did a feasibility study in a market, which is a big pharmaceutical market. So I actually spent time with major pharmaceutical people talking about, where are you staying now? Why are you staying there? Are you a member of the Frequent traveler program? How does your business vary throughout the year? What rates are you paying? What facilities and amenities are you seeking? And things like that. So to really understand the demand because that demand segment. So important in that market. So it is ultimately a street corner business and what’s going on in a specific market in terms of the mix of commercial, leisure and group business and possibly other market segments. Really is something that we have to study in depth when we conduct a feasibility study or an appraisal for hotel. I, I don’t know if I mentioned, I’m a licensed real estate appraiser too, and although my licenses allow me to appraise any type of property, I only appraise hotels. Got it. Businesses fundamentally changed pre COVID and post COVID. I would assume that there’s probably less travel. Are you seeing impact? On those types of hotels from that kind of, you know, less travel, more zoom type activity. Yeah. And, and that’s a great, that’s a great follow up because with those market segments, although the segments are the same. The demand from each of those segments really has different, and, and as you said, it really changed substantially in COVID. It, it, it’s fascinating how once we were forced to use Zoom and, and other, you know, Microsoft teams and other technology like that, you know, we, we kind of did a kicking and screaming. But once we figured it out, we realized we didn’t get a lot done. Uh, now I spent last week in Los Angeles at America’s Lodging Investment Summit, and I go to this. Function every year, because I see many of the same people year after year, and the business cards might change, but it’s the same people involved in the hotel business, whether they’re brokers or investors or asset managers or consultants or appraisers. But in between. Each year I do a lot on Zoom with these people and you know, we can keep those relationships going. So it hasn’t eliminated, you know, in my personal case, my need to travel, but it has substantially reduced it. And I think a lot of other business people have seen the same thing. So if we look at the recovery since COVID, it was fascinating because the first market segment that recovered and recovered really strongly was leisure business and people, people see it as their right. To have a vacation and, and people were paying high rates, particularly in, in, in mountain locations and in beach locations. And so those rates came up really quickly. And then the group business followed. If people do wanna go to group functions like I did last week in la what has not recovered to the level of 2019 though is the business travel. Right. Interesting. So I, that’s probably a, uh, you know, and he, I can’t really see a particularly promising future for that Subsect either. Right. I think, in fact, bill Gates said it’s never going to be back to the, you know, he, he’s an investor in Four Seasons hotels, and he said it’ll never be back to the way it was in 2019. I don’t know if he’s right. I mean, because I, I still feel like we get a lot of things done. Face-to-face, person to person that we really can’t do in Zoom. I don’t think Zoom is great for establishing relationships. I, I still think that we need face-to-face, uh, personal contact. But, you know, that might be just my perspective because I’ve been working in hotels since I was a teenager and I’m really far from being a teenager now. And, you know, I, I’ve been indoctrinated in this philosophy of the importance of face-to-face contact. But yeah, you know, that might be generational. You with a younger generation. Yeah. Yeah, absolutely. Um, you know, just kind of going back to the difference differences, uh, with compared to other real estate hotels, ultimately the, one of the big differences, they’re operating businesses, right? I mean, they’re not that large. Apartment buildings aren’t, but they’re is I think, a specific sort of operational execution that matters a lot in hotels. So, you know, in invest, when investors are kinda looking at that, I mean, they, they should probably be not looking at it as nearly as passive as other real estate investments. Is that fair? I, I think that’s very fair because I think, you know, it, it shows what’s happened in terms of the market with real estate investment trust. Because I’ve sold my entire position in hotel real estate investment trust and, and as you probably know, if we look at real estate investment trust. Different categories in, in commercial real estate, hotels lag, which is fascinating because everything else we’ve been talking about explains why hotel returns tend to outperform other classes of commercial real estate. More volatility, but higher returns on average. If you can withstand the long period, uh, that you need to be an investor. On real estate investment trust, it’s the opposite. Hotels actually lag and, and I think it really is because of exactly what you’re talking about, which is that they really are like an operating business where there’s also real estate as opposed to a real estate play where it’s almost like there’s an annuity of rent that is very easily projected, uh, in hotels. You know, we, we. Project all the time how they’re going to perform. But you know, you know, I hope my projections are very good, but there’s always things that can COVID. For example, you know, now there’s a virus in, in India that you know might be coming and, you know, we don’t know, will this be substantial or will it be really minor in the Americas? We really don’t know. Uh, that won’t have a big effect on, on other classes of real estate investment trust, but. It could have a big effect in hotels, so, so the unknowns in hotels are very high. And then when you combine that with the fact that they are an operating business, which are very labor intensive and wage rates are going up. So the cost structure and the management of that cost structure becomes. Very important and the expertise of the hotel managers becomes very important. And so, yeah, like you say, other classes of commercial real estate or, or institutional real estate investments have an operational component. It’s much greater when it comes to hotels. So I actually have a friend who’s an, um, owns, uh, a few boutique hotels here in, in California, and he was telling me one of the things that he’s kind of worried about is, um, you know, they, they’re, they have some, um. Some mandates coming up with regard to, you know, minimum wage and, and all these things that, uh, hotel workers have to get, uh, give you just outta curiosity. I mean, most of my audience is not in California. I am, but have you heard about this? Can you tell us a little bit about those pressures? Yeah, I have heard about it. And there’s, there’s forces on the other side as well, namely the American Hotel and Lodging Association, which represents hotel owners, managers, and franchisers. And so they have a voice in these things as well. But the, the, the forest, particularly in places like California and, and in the west coast in general, we’ve seen it in Seattle as well. Um, you know, in, in terms of increasing minimum wages to rates that, that are shocking to me. Um, you know, that’s, that’s a big issue. You know, you don’t see it as much in the middle of the country, but you do see it on the coast and particularly in the, on the West Coast. So, you know, if we’re looking at projections, say into 2026 and, and perhaps beyond, we expect in many cases to be seeing higher growth in wage expenses than we expect to see growth in RevPAR, which is room revenue, preoccupied room, which is just occupancy times average daily rate. So the, the overall revenue is expected, at least in the short term, to grow more slowly. Than expenses and, and wages are really driving a lot of it. And then anything that’s affected by wages, so insurance, for example, property taxes, other expenses are really growing at this stage more than what we’ve seen in terms of revenue growth. So that’s, that’s a challenge right now. The, the question I think really then is how much will AI affect that and to what extent will guests become more comfortable with checking in? On an iPad type of a situation as opposed to seeing a person face to face, and there’s probably generational differences there. What it is forcing hotel operators to do is the same kinds of things that restaurant operators have been forced to do, which is find ways to use technology and actually have the guests face the technology and get the guests comfortable with that. In terms of things like check in and check out, you know, but still in hotels the rooms have to be cleaned and, and although there’s robots that. You know, they’re nowhere near what, where they need to be to actually clean Hotel guestroom jet, at least in any sort of economically viable way. But, you know, the long-term question is to what extent will the industry be adopting AI and other technology in order to address that issue? Because that’s what’s going to happen. It’s, it’s, you know, it’s not just going to be a situation where. The operators will accept paying higher wages and have the same number of employees in each hotel. Right. Um, branding, you know, sort of confusing to a lot of people. Not in the space, but you know, what role do hotel brands actually kind of play in, in protecting revenue and value? Um, and I guess when does a brand help an owner versus become a constraint? Yeah. You know, brands have been very important and, and I, I forget if I mentioned but of the, the big brand companies I’ve worked for three of them and, um. You know, they, they, they typically started as management companies. So originally companies like Hilton and Marriott primarily generated revenue through management fees. And so they own some of the real estate, although they’ve become asset light over the years and own very little, if any, anymore. Uh, but they do still manage hotels. So one thing that the brand companies do have is expertise in terms of management. That’s one of the fees that a branded hotel and a non-branded hotel would have as well, would be a management fee, which is usually expressed as a percentage of revenue. And sometimes there’s an incentive structure in there as well. But then there’s a franchise fee, which is just paying for the brand, and, and that’s usually as a percentage of total revenue, higher than the management fee. But what it does is it, it, it. Puts the property in a global distribution system, so the global distribution systems that brands like Marriott and Hilton and IHG and, and HIA have, uh, they. Generate heads and beds. You know, that’s, that’s the term we always, when I worked at Hyatt and Merritt, we always talked about heads and beds. Every night you’re trying to, trying to get people in the rooms. The brands do a lot to put heads and beds, you know, in a typical hotel with a good brand affiliation. Somewhere between probably a third and two thirds of the occupy rooms actually came in through the brand global distribution system, which historically was a toll free reservation system. And although the, you know, those still exist now, it’s really more of a focus on the online system and, and, and sometimes toll-free reservations and direct reservations. But, but that’s what the brand does. It, it, it ultimately is a generator of. So kind of just focusing on somebody who’s potentially thinking about hotels as an investment. So far, what I gleaned from you, and, and correct me if I’m wrong, is that timing probably isn’t perfect right now. We’re probably, you know, we’re probably in a, you know, a peak and you generally not a great idea to buy in peaks. Um. I personally, from what I understand, would stay outta California. You know, uh, you know, like my friend was saying that it was gonna make it very difficult for a lot of hotels to have their, you know, hotel restaurants even. And so he foresees like a lot of them having to close those down. Um, and then the, the next thing I think is, gosh, you really have to be cognizant of the, of the fact that, you know, work patterns are changing. And so maybe that’s not a good. Way to go, either. What other, what are some other big picture things that you think people ought to be thinking about as they evaluate the space? Yeah. Well, I think there’s a couple of things. One of which is. That is a street corner business. So it really depends on what street corner you’re in. Uh, I’ve done some research just on how hotels perform in university towns versus other locations because, for example, there are brands now called graduate hotels, which eventually was acquired by Hilton, uh, and, uh, scholar Hotels and, and these properties are university town hotels. They’re doing okay. You know, they’re, they’re doing okay. If you look at how universities operate, we’ve seen some Ivy League schools pay 60, $80 million or more just to make sure they keep that billion dollars a year coming in from the federal government that they, they get for research grants and, and we’ve seen, you know, look at what’s going on with NIL now in terms of, of university sports. Universities clearly are willing to. You gen willing to spend a lot of money to keep doing what they do, which is, you know, they, they generate a lot of research and I’m talking about. Big universities now, uh, you know, a lot of research and, and there’s a sporting business aspect to universities as well. So university towns are okay, and, and what I ultimately found in my research is they’re much less cyclical than the average. So, you know, we talk about the risk of hotels as things go up and things go down and things go up and down. That doesn’t happen as much in university towns. You know, big universities don’t close and, and don’t even substantially change their business model. So it really depends on, on where you’re located. And then there’s certain cities as well, you know, people, you know, I, I don’t have to go into detail about my last visit to San Francisco and how weird it was, and I was with students and, and told my female students don’t go out at night alone. I mean, it was, it was, it was really freaky, but. San Francisco now might be a place to invest. Now San Francisco probably has bottomed out. Uh, and the same might be true with New York. So, you know, it really depends on where you’re going. I, I think in general, yeah, you know, there’s, there’s concerns, but even so, you know, I think it’s still might be a good time to invest in. Good quality hotel companies, just, you know, in terms of the stock market and, and equity in, in businesses like Marriott and, and Hilton because their franchise fees and their management fees are a percentage of total revenue. So hotels that are not profitable, that are a member of those brand affiliations are still paying. Into those systems and you know, hopefully the goal is that these properties become profitable, but even while they’re not profitable, they owe franchise fees and in some cases management fees as well. So I think there are a lot of ways to still invest in the hotel business. It’s just what vehicles are being used and where. So, you know, it sounds a little overwhelming, um, for someone who, again, who’s new to the space. Any suggestions on how somebody might just learn more about this ecosystem and, you know, start to go down this path of potentially becoming, you know, a hotel investor? Yeah. Well, first thing is, you know, we talked about ai. AI is pretty good for helping people to learn. So if you wanna learn about the hotel business, you can go and have a really good conversation with chat GPT about what makes it click and where could the opportunities lie today. Uh, you know, I’ve gone over the past year from essentially not using AI at all to using it essentially every day. And so that’s a great way because that’ll access a lot of, there, there’s trade journals, for example, but it’ll access those things. Uh, the conference, like I went to last week, the America’s Lodging Investment Summit, which is in LA every year is a. Is a great place to learn as well. There’s, there’s wonderful sessions and that conference is attended by everybody from Anthony Capano, who’s the CEO of Marriott, down to people involved in real estate and investments in the hotels and, and who essentially make their living. Off of those as brokers, appraisers, consultants, asset managers and things like that. So, so there’s ways online to do it and there’s ways to do it actually by attending conferences as well. Yeah. A good broker as well. Right. I mean, you know, going back to my, my friend who, who’s become a very successful hotelier, the first one he bought, he threw a broker and he said he learned everything about hotels that he knows from that guy. Um. So that’s probably, it probably tells you something as well. Yeah. And, and there are some excellent hotel brokers. There’s some who are national in scope and some who are local in scope. So again, it depends on where you’re thinking you might wanna be investing. Uh, but, but there’s some great local brokers, but then there’s national firms like JLL and CBRE and Hunter, uh, that, you know, they have really good people who are very knowledgeable about the hotel business. Yeah. John, thanks so much for, uh, joining us here on Wealth Formula Podcast and giving us sort of an overview of the, uh, um, hotel, uh, real estate, uh, uh, asset class. You bet you make a lot of money, but are still worried about retirement. Maybe you didn’t start earning until your thirties. Now you’re trying to catch up. Meanwhile, you’ve got a mortgage, a private school to pay for, and you feel like you’re getting further and further behind. Now, good news, if you need to catch up on retirement, check out a program put out by some of the oldest and most prestigious life insurance companies in the world. It’s called Wealth Accelerator, and it can help you amplify your returns quickly, protect your money from creditors, and provide financial protection to your family if something happens to. The concepts here are used by some of the wealthiest families in the world, and there’s no reason why they can’t be used by you. Check it out for yourself by going to wealth formula banking.com. Welcome back to the show everyone. Hope you enjoyed and again, uh, hey hotels. Think about it. I guess. Uh, I continue. I will continue to do so, uh, especially given my buddy’s success in this space. Um. Although, I will tell you, I probably am not a boutique hotel guy. Um, you know, I don’t, I don’t know that I could make it super fancy, you know? And then on the other hand, you hear about these, uh, hotels that are. For the people traveling through and they’re not doing this so great. So maybe wait till that we hit that, um, that trough that he was talking about, he said we’re kind of at a peak right now. Anyway, that’s it for me. Uh, this week on Wealth Formula Podcast. This is Buck Joffrey signing off. If you wanna learn more, you can now get free access to our in-depth personal finance course featuring industry leaders like Tom Wheel Wright and Ken McElroy. Visit well formula roadmap.com.

On this week's show Patrick Gray and Adam Boileau discuss the week's cybersecurity news, including: Microsoft reshuffles security leadership. It doesn't spark joy. Russia is hacking the Winter Olympics. Again. But y tho? China-linked groups are keeping busy, hacking telcos in Norway, Singapore and dozens of others Campaigns underway targeting Ivanti, BeyondTrust and SolarWinds products An unknown hero blocks 23/tcp on the US internet backbone And James Wilson pops into talk about Claude's go at a C compiler This week's episode is sponsored by Ent.AI, an AI startup that isn't quite ready to tell us all what they're doing. But nevertheless, founder Brandon Dixon joins to discuss AI's role in security. Where does language-based understanding take us that previous methods couldn't? This episode is also available on Youtube. Show notes Updates in two of our core priorities - The Official Microsoft Blog Strengthening Windows trust and security through User Transparency and Consent | Windows Experience Blog Microsoft prepares to refresh Secure Boot's digital certificate | Cybersecurity Dive Microsoft Patch Tuesday matches last year's zero-day high with six actively exploited vulnerabilities | CyberScoop Microsoft releases urgent Office patch. Russian-state hackers pounce. - Ars Technica Italy blames Russia-linked hackers for cyberattacks ahead of Winter Olympics | The Record from Recorded Future News Researchers uncover vast cyberespionage operation targeting dozens of governments worldwide | The Record from Recorded Future News Germany warns of state-linked phishing campaign targeting journalists, government officials | The Record from Recorded Future News Norwegian intelligence discloses country hit by Salt Typhoon campaign | The Record from Recorded Future News Singapore says China-linked hackers targeted telecom providers in major spying campaign | The Record from Recorded Future News Largest Multi-Agency Cyber Operation Mounted to Counter Threat Posed by Advanced Persistent Threat (APT) Actor UNC3886 to Singapore's Telecommunications Sector | Cyber Security Agency of Singapore How Intel and Google Collaborate to Strengthen Intel® TDX Strengthening the Foundation: A Joint Security Review of Intel TDX 1.5 - Google Bug Hunters Active Exploitation of SolarWinds Web Help Desk (CVE-2025-26399) | Huntress EU, Dutch government announce hacks following Ivanti zero-days | The Record from Recorded Future News North Korean hackers targeted crypto exec with fake Zoom meeting, ClickFix scam | The Record from Recorded Future News BeyondTrust warns of critical RCE flaw in remote support software Rapid7 Analysis of CVE-2026-1731 Building a C compiler with a team of parallel Claudes Anthropic (1) Post by @ryiron.bsky.social — Bluesky What AI Security Research Looks Like When It Works | AISLE South Korean crypto exchange races to recover $40bn of bitcoin sent to customers by mistake | South Korea | The Guardian White House to meet with GOP lawmakers on FISA Section 702 renewal | The Record from Recorded Future News