Podcasts about misleading

This week I discuss the AI, HR Tech, and consumer AI market in front of announcements next week at the Unleash Conference in Vegas. I discuss how HR Tech is now becoming “Life Tech” (not just Work Tech) and the dynamics of big players like Microsoft, Oracle, Workday, SAP, ServiceNow, Anthropic, OpenAI, Google, and smaller vendors like Cornerstone, Findem, Lightcast, Maki People, Eightfold, WorkHuman and others who are vying for attention with their AI offerings. Next week I'll detail many of these announcements in my keynote and I hope to see many of you in Vegas at Unleash and the following week at Transform. So much to absorb and understand: we are here to help you sort it all out. Additional Information Layoffs at Atlassian, Block, Amazon are Misleading. AI Alone Is Not The Story. The World of Corporate Training Lurches Toward Enablement Oracle's Earnings Prove That AI Infrastructure Is Eating Enterprise Software Enterprise AI Architecture: Imperatives for 2026 Webinar: Watch a replay of Josh's walkthrough of the 11 essential imperatives HR & business leaders need to know for success and progress in 2026. Galileo Learn: Complete The Superworker Organization: AI Goes Enterprise learning program, and discover the hands-on skills required to navigate the redefinition of work, HR teams, and organizations in the era of superworkers and superagents. Get Galileo: The Enterprise AI Agent for HR  Chapters (00:00:00) - All the HR Technology Announcements(00:07:29) - Oracle's strategy for growth(00:10:37) - Microsoft's Copilot, and More

Thrifty Traveler Premium (affiliate — supports the show): https://milestomemories.com/go/thrifty-traveler/ Episode Description Elon Musk wants your money in the X app — and he's offering 6% APY plus 3% cash back on debit to get it. Meanwhile Bilt is having a rough week: mortgage payment failures, a hidden foreign transaction fee on their "no fee" Palladium card, and a PR mess that Forbes and the Wall Street Journal are now covering. Plus Robinhood Platinum advertises $3,000 in credits that most people will never fully use, and Marriott finally did something nice — raising the certificate top-off cap from 15K to 25K points. 0:00 Welcome to MTM Travel 0:26 Intro 0:40 Thrifty Traveler Premium 2:18 Robinhood Platinum breakdown 6:28 X Money debit card 10:31 Bilt 2.0 mortgage issues 12:56 Bilt Palladium hidden foreign fee 15:25 Marriott certificate top-off 17:27 Hyatt vs Marriott + hotel program strategy 19:35 Loyalty program illusions 22:14 Amazon pay with points promo Enjoying the podcast? Please consider leaving us a positive review on your favorite podcast platform! You can also connect with us anytime at podcast@milestomemories.com.  You can subscribe on Apple Podcasts, Google Play, Spotify, TuneIn, Pocket Casts, or via RSS. Don't see your favorite podcast platform? Please let us know!

Artificial intelligence is rapidly transforming the consumer financial services industry. From underwriting and fraud detection to customer engagement and collections, financial institutions are increasingly deploying advanced AI tools to automate processes, personalize services, and improve operational efficiency. We are releasing today, on our Consumer Finance Monitor Podcast show, a discussion of what may be the next major technological shift for the industry: Agentic AI in Consumer Financial Services — AI systems capable of acting autonomously, making decisions, and interacting directly with consumers. The discussion featured Professor Oren Bar-Gill of New York University School of Law, along with Ballard Spahr partners Joseph Schuster and Adam Maarec.  The discussion was hosted by Alan Kaplinsky, the founder and practice group leader for 25 years of the Consumer Financial Services Group and now Senior Counsel. The panel examined how agentic AI differs from earlier forms of automation, the benefits it offers financial institutions and consumers, and the significant legal and regulatory risks it may create. Below are the key takeaways from the discussion. What Is Agentic AI? Agentic AI refers to AI systems that can independently take actions on behalf of users or organizations. Unlike traditional automation, which performs predefined tasks, or generative AI, which primarily produces content, agentic AI systems can: ·                 Make autonomous decisions ·                 Interact directly with consumers ·                 Initiate actions such as transactions or communications ·                 Learn from prior interactions In financial services, these systems may soon conduct customer service interactions, initiate collections calls, execute payments, or manage purchasing tasks for consumers. While these capabilities promise major efficiencies, they also raise complex legal questions regarding accountability, fairness, and consumer protection. Understanding AI-Driven Consumer Harm Professor Bar-Gill framed the discussion by examining potential consumer harms associated with AI-powered decision-making. Drawing on his recent book with Cass Sunstein, Algorithmic Harm: Protecting People in the Age of Artificial Intelligence, he explained that the impact of AI depends largely on the type of market in which it operates.  The book is available on Amazon here. Sophisticated vs. Unsophisticated Markets Bar-Gill distinguishes between: ·                 Sophisticated markets, where consumers are generally able to make informed decisions ·                 Unsophisticated markets, where consumers are more likely to misunderstand complex products In sophisticated markets, AI-driven personalization, such as individualized pricing, can increase efficiency and expand access to products by offering lower prices to consumers with lower willingness to pay. In contrast, in markets involving complex financial products, such as credit cards, mortgages, or insurance, AI-powered personalization may harm consumers who misjudge product costs or benefits. For example, if a consumer mistakenly overestimates the value of a financial product, an AI system may set the price just below that mistaken valuation, leading the consumer to pay more than the product is actually worth. Algorithmic Price Discrimination One area of growing concern is AI-enabled price discrimination, where algorithms tailor prices to each consumer's willingness to pay. Examples cited during the discussion included: ·                 Airlines experimenting with AI-based pricing strategies ·                 Online retail platforms offering individualized prices for identical products ·                 Insurance companies using algorithms to optimize premiums While pricing based on individual risk, such as in insurance underwriting, is widely accepted, pricing based on willingness to pay raises significant consumer protection concerns. As these practices expand, they are likely to attract increased attention from regulators and lawmakers, particularly at the state level. AI Use Cases in Consumer Finance The panel also highlighted several areas where AI is already being deployed across the consumer financial services lifecycle. Marketing and Customer Acquisition Financial institutions are using AI to analyze large data sets and create highly personalized marketing campaigns. Large language models can generate customized messaging tailored to specific demographic groups or individual consumers. While this personalization improves targeting and engagement, it also creates compliance challenges related to: ·                 Misleading advertising ·                 Disclosure requirements ·                 Potential discriminatory targeting Underwriting and Credit Decisions AI-driven underwriting tools allow lenders to analyze alternative data, such as cash-flow information, to assess creditworthiness. These tools may expand access to credit for consumers who previously lacked traditional credit histories. However, they also raise fair lending concerns under laws such as the Equal Credit Opportunity Act and its implementing regulation, Regulation B. Because many AI models operate as "black boxes," institutions may struggle to explain how decisions are made, an issue that can complicate discrimination analyses and regulatory oversight. Fraud Detection AI is particularly powerful in fraud detection, where pattern recognition is essential. Advanced models can analyze transaction behavior in real time to identify suspicious activity while minimizing unnecessary transaction declines. These tools also allow financial institutions to communicate with customers instantly, confirming transactions or investigating suspicious activity through automated interactions. Servicing and Collections Agentic AI may soon conduct both inbound and outbound customer interactions, including: ·                 Customer service conversations ·                 Dispute resolution ·                 Collections calls In some cases, AI-driven voice systems can conduct conversations that are indistinguishable from human interactions. While this technology may improve efficiency and reduce costs, it raises legal concerns about consumer deception, harassment, and compliance with debt collection laws. Core Legal Risks Despite the novelty of the technology, many of the key legal risks arise from existing laws, not new AI-specific statutes. Liability for AI Actions As Joseph Schuster emphasized, AI is a tool, not a liability shield. Institutions remain responsible for the actions of AI systems just as they would for the actions of employees or third-party vendors. Traditional legal doctrines, including agency law, vicarious liability, and unfair or deceptive acts or practices, continue to apply. UDAP Risks AI systems interacting with consumers may create risks under federal and state UDAP laws if they: ·                 Provide inaccurate information ("hallucinations") ·                 Fail to deliver required disclosures ·                 Exhibit overconfidence in uncertain responses ·                 Engage in manipulative behavioral targeting. Fair Lending and Discrimination AI models can unintentionally produce discriminatory outcomes, even when protected characteristics are not used as inputs. As Professor Bar-Gill noted, future litigation may increasingly focus on disparate impact analysis, which examines whether outcomes disproportionately affect protected classes regardless of the model's internal logic. Governance and Risk Management Given these risks, institutions are increasingly adopting governance frameworks for AI deployment. Common practices include: ·                 AI governance committees with cross-functional participation ·                 Model inventories and risk-tiering systems ·                 Vendor due diligence for AI providers ·                 Data mapping and validation processes ·                 Continuous monitoring of AI outputs. Financial regulators are already asking supervised institutions detailed questions about how AI is being used. Institutions that implement structured governance processes are better positioned to respond to these inquiries. The Rise of Agentic Commerce One emerging application of agentic AI involves autonomous purchasing. For example, a consumer might instruct an AI assistant to plan and purchase supplies for a birthday party. The AI would then select vendors, place orders, and initiate payments using the consumer's stored payment credentials. But what happens if AI makes a mistake, such as ordering supplies for 1,000 guests instead of 10? Such scenarios raise difficult questions involving: ·                 consumer authorization ·                 merchant liability ·                 payment network rules ·                 dispute resolution These issues are only beginning to receive attention from regulators and industry participants. Key Takeaways for Financial Institutions The panel concluded with several recommendations for institutions exploring AI deployment. First, distinguish beneficial uses from harmful ones. AI can deliver significant consumer benefits, but firms must remain vigilant about potential misuse or unintended harm. Second, prioritize governance. Robust policies, oversight structures, and risk management processes are essential. Third, remember that existing laws still apply. AI systems must comply with the same consumer protection, fair lending, and disclosure requirements that govern traditional processes. Finally, institutions must recognize that failing to adopt AI also carries risks. As fraudsters increasingly deploy advanced technology, financial institutions may need AI tools simply to keep pace. As AI technology continues to evolve, the legal framework governing its use in financial services will also develop. For now, however, the most important lesson is that innovation must proceed hand-in-hand with careful legal and compliance oversight. Consumer Finance Monitor is hosted by Alan Kaplinsky, Senior Counsel at Ballard Spahr, and the founder and former chair of the firm's Consumer Financial Services Group. We encourage listeners to subscribe to the podcast on their preferred platform for weekly insights into developments in the consumer finance industry.

Morse code transcription: vvv vvv Prison inmate charged with Huntley murder appears in court Jeremy Bowen Trump has called for an Iran uprising but the lessons from Iraq in 1991 loom large Even under missiles we carry on living how young Iranians are coping with war Teenage girl stabbed at Norfolk school, leading to police hunt A weirdly rushed appointment and other key takeaways from Mandelson files Zack Polanski stood by breast enlargment hypnosis claim Misleading weather apps can cost attractions up to 137k a day Mortgage rates rise and deals pulled over Iran war turmoil Menopause Alternative to HRT for hot flushes now on NHS PM warned of reputational risk over Mandelsons Epstein links

Morse code transcription: vvv vvv Misleading weather apps can cost attractions up to 137k a day Jeremy Bowen Trump has called for an Iran uprising but the lessons from Iraq in 1991 loom large Mortgage rates rise and deals pulled over Iran war turmoil Menopause Alternative to HRT for hot flushes now on NHS PM warned of reputational risk over Mandelsons Epstein links A weirdly rushed appointment and other key takeaways from Mandelson files Even under missiles we carry on living how young Iranians are coping with war Zack Polanski stood by breast enlargment hypnosis claim Prison inmate charged with Huntley murder appears in court Teenage girl stabbed at Norfolk school, leading to police hunt

Morse code transcription: vvv vvv PM warned of reputational risk over Mandelsons Epstein links Misleading weather apps can cost attractions up to 137k a day Prison inmate charged with Huntley murder appears in court Teenage girl stabbed at Norfolk school, leading to police hunt Even under missiles we carry on living how young Iranians are coping with war A weirdly rushed appointment and other key takeaways from Mandelson files Menopause Alternative to HRT for hot flushes now on NHS Zack Polanski stood by breast enlargment hypnosis claim Mortgage rates rise and deals pulled over Iran war turmoil Jeremy Bowen Trump has called for an Iran uprising but the lessons from Iraq in 1991 loom large

Morse code transcription: vvv vvv Zack Polanski stood by breast enlargment hypnosis claim Misleading weather apps can cost attractions up to 137k a day Mortgage rates rise and deals pulled over Iran war turmoil Menopause Alternative to HRT for hot flushes now on NHS Jeremy Bowen Trump has called for an Iran uprising but the lessons from Iraq in 1991 loom large PM warned of reputational risk over Mandelsons Epstein links Prison inmate charged with Huntley murder appears in court Even under missiles we carry on living how young Iranians are coping with war A weirdly rushed appointment and other key takeaways from Mandelson files Teenage girl stabbed at Norfolk school, leading to police hunt

3.10.2026 #RolandMartinUnfiltered: Black Voters Targeted With Misleading Mailers. Trump’s SAVE Act. Justin Pearson Calls Out GOP A Black Republican is sending misleading mailers to Black voters in Virginia ahead of a crucial redistricting vote. We'll break down how this controversial campaign is trying to confuse voters and why civil rights groups are sounding the alarm. The twice-impeached, criminally convicted felon-in-chief, Donald "The Con" Trump, is pushing to pass the SAVE America Act now through the Senate, to suppress your vote. More on that ahead. Tennessee State Representative Justin J Pearson calls out a Tennessee Republican Representative who used the Holy Bible to justify slavery. The Treaty of 1866 guaranteed Black Creek Freedmen full citizenship -- yet Muscogee Nation leaders still won't comply with this treaty, more than a century later. Civil rights attorney and Justice for Greenwood founder Damario Solomon-Simmons joins later to explain why the fight isn't over. South Carolina Representative JA Moore calls out hypocrisy on Republicans over spending on a Confederate flag relic museum after pushing to defund state institutions. And in Tonight's Black Star Network Marketplace, we'll speak with Ava, the Founder of Ava's Pet Palace who who turned her love of pets into a nationwide brand at just 8-years-old in 2016. And I have a lot to say about the MAGA folks who are pretending they cared about rev Jackson. Download the Black Star Network app at http://www.blackstarnetwork.com! We're on iOS, AppleTV, Android, AndroidTV, Roku, FireTV, XBox and SamsungTV. The #BlackStarNetwork is a news reporting platform covered under Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research.See omnystudio.com/listener for privacy information.

Do we need to lengthen our walks for better heatlh? Today we're breaking down what that research really found, what it got wrong, and how to elevate every walk in your repertoire. Plus: are you touch-starved? The science on why physical contact matters more than we think. And a little life update, too.   LET'S TALK THE WALK! Join here for support, motivation and fun! Wellness While Walking Facebook page Walking to Wellness Together Facebook GROUP Wellness While Walking on Instagram Wellness While Walking on Threads Wellness While Walking on Twitter Wellness While Walking website for show notes and other information wellnesswhilewalking@gmail.com     RESOURCES AND SOURCES (some links may be affiliate links) Walking Longer, Not Necessarily More, Shows Big Health Benefits, wsj.com Make it Stick, Peter Brown Why We Hold Hands - TED Talk (book info not available yet)   HOW TO RATE AND REVIEW WELLNESS WHILE WALKING How to Leave a Review on Apple Podcasts on Your iOS Device 1.   Open Apple Podcast App (purple app icon that says Podcasts). 2.   Go to the icons at the bottom of the screen and choose "search" 3.   Search for "Wellness While Walking" 4.   Click on the SHOW, not the episode. 5.   Scroll all the way down to "Ratings and Reviews" section 6.   Click on "Write a Review" (if you don't see that option, click on "See All" first) 7.   Then you will be able to rate the show on a five-star scale (5 is highest rating) and write a review! 8.   Thank you! I so appreciate this!   How to Leave a Review on Apple Podcasts on a Computer  1.   Visit Wellness While Walking page on Apple Podcasts in your web browser (search for Apple Podcasts or click here)  https://www.apple.com/apple-podcasts/ 2.   Click on "Listen on Apple Podcasts" or "Open the App" 3.   This will open Apple Podcasts and put in search bar at top left "Wellness While Walking" 4.   This should bring you to the show, not a particular episode – click on the show's artwork 5.   Scroll down until you see "Rating and Reviews" 6.   Click on "See All" all the way to the right, near the Ratings and Review Section and its bar chart 7.   To leave a written review, please click on "Write a Review" 8.   You'll be able to leave a review, along with a title for it, plus you'll be able to rate the show on the 5-star scale (with 5 being the highest rating) 9.   Thank you so very much!! OTHER APPS WHERE RATINGS OR REVIEWS ARE POSSIBLE Spotify Goodpods Overcast (if you star certain episodes, or every one, that will help others find the show)  Castbox Podcast Addict Podchaser Podbean   HOW TO SHARE WELLNESS WHILE WALKING Tell a friend or family member about Wellness While Walking, maybe while you're walking together or lamenting not feeling 100% Follow up with a quick text with more info, as noted below! (My favorite is pod.link/walking because it works with all the apps!) Screenshot a favorite episode playing on your phone and share to social media or to a friend via text or email! Wellness While Walking on Apple – click the up arrow to share with a friend via text or email, or share to social media Wellness While Walking on Spotify -- click the up arrow to share with a friend via text or email, or share to social media Use this universal link for any podcast app: pod.link/walking – give it to friends or share on social media Tell your pal about the Wellness While Walking website Thanks for listening and now for sharing! : )       DISCLAIMER Neither I nor many of my podcast guests are doctors or healthcare professionals of any kind, and nothing on this podcast or associated content should be considered medical advice. The information provided by Wellness While Walking Podcast and associated material, by Whole Life Workshop and by Bermuda Road Wellness LLC is for informational and entertainment purposes only. It is not intended to be a substitute for professional medical advice, diagnosis or treatment. Always seek the advice of your physician or other qualified health care provider with any questions you may have regarding a medical condition or treatment, and before undertaking a new health care regimen, including walking.     Thanks for listening to Wellness While Walking, a walking podcast and a "best podcast for walking"!

On this episode of The Wealth Guardians with Doug Ray, Doug and Brice discuss ten of the most misleading things in finance and how to avoid falling victim to the 'shiny object syndrome'.

On this Episode we talk about Stray Kids and BTS being active in 2026, A Kpop Festival that got misguided parents riled up, and Sly got beat up at Jiujitsu. What do you want to hear us talk about next? Leave a comment below or join our discord and request something! We love hearing from you guys!Follow us! Wadeinstagram: ⁠⁠⁠⁠⁠⁠⁠⁠WadeMFMorgan⁠⁠⁠⁠⁠⁠⁠⁠TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠WadeMFMorgan⁠⁠⁠⁠⁠⁠⁠⁠Twitch: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠WadeMFMorgan⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SlyInstagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SillySly07⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SillySly07⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LimitlessDaze⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Be sure to subscribe to our YouTube and like our videos!Follow us for more content!ShinoBrozInstagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ShinoBroz⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ShinoBroz⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ShinoBroz⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Discord: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ShinoBroz

We've got the latest developments in the war with Iran, including the sad news that a seventh US servicemember has died - state media Fox News is running cover for the President's disrespectful fashion choices

Today I'm publishing a bonus episode with a discussion of the US Job Market and also explain why Anthropic's new AI-Job destruction research is misleading. I also discuss the whole idea of “job-task analysis” and why “AI exposure” (Anthropic's methodology) doesn't really reflect how AI transforms jobs, companies, and the economy. Let's discuss all this at Irresistible 2026 or read my substack article on this topic and we can discuss there. Like this podcast? Rate us on Spotify or Apple or YouTube. Additional Information New Anthropic Report on Job Destruction Is Misleading (article) Anthropic Report (from Anthropic) US consumer confidence plunges to 12-year low (Financial Times) BLS Jobs Numbers Join us in Irresistible 2026, June 8-10 at USC, the world's leading conference for HR Leaders and Teams. (Here's the top 10 reasons to come!)     Chapters (00:00:00) - President Trump on the American Economy(00:04:54) - On the Job Losses Due to AI(00:13:02) - Robots and Repair People(00:22:40) - Steve Jobs: Jobs to Change(00:24:05) - The Super Worker and the Future of Healthcare Jobs

Learn how meta-analyses were manipulated and guidelines corrupted to promote statins for healthy people, especially women and the elderly. #StatinScandal #ConflictOfInterest #GuidelineBias #HealthTalks

Send a textWhat if the real value of prepping isn't gear or drama, but peace of mind when small crises stack up? We kick off with a spring reset and a candid question: is all the time, money, and effort we put into being ready actually worth it? Then we put that doubt under a microscope, drawing fresh lessons from two very different watches and a week of confusing headlines.First, we unpack American Apocalypse, a tight, indie post-apocalyptic film that skips the cause of collapse and zeroes in on choices that matter. Light and smoke discipline. Keeping a low profile. The risky calculus of helping a stranger with a story that might be true. It's not about fantasy scenarios; it's about friction points you could face even in a prolonged outage or neighborhood unrest. The film's hard ending drives home a quiet truth: resilience is built on small, layered decisions, not one grand gesture.We trade cinematic tension for real skills with Finding Nowhere, a British Columbia series where a seasoned outdoorsman mentors his city cousin. No caricatures here—just humility, rifle safety, ice fishing, remote living, and a deep respect for the animals and landscapes that feed us. It's a reminder that capability grows by doing, reflecting, and sharing. Gear helps, but mindset, ethics, and repetition do the heavy lifting.Then we turn to the noise online. A diverted Southwest flight labeled a bomb threat, a chaotic protest near Gracie Mansion, and viral posts that skip verification in favor of outrage. We peel back the claims and explain why getting multiple sources is a core survival skill. Bad info breeds bad reactions. Good info creates options and calm.Our takeaway is simple and strong: steady prepping still pays. A 20-minute pantry rotation each month, a clear water plan, backup power, and first aid transform uncertainty into manageable inconvenience. Maybe you'll never face a dramatic collapse—great. But when blackouts, storms, or supply hiccups hit, you won't be scrambling. You'll be ready.If this resonates, follow along for practical steps you can start today. Subscribe, share with a friend who's on the fence about prepping, and leave a review to help more people find calm in the chaos.https://augasonfarms.com?sca_ref=9315862.VpHzogdDNuSupport the showHave a question, suggestion or comment? Please email me at practicalpreppodcast@gmail.com. I will not sell your email address and I will personally respond to you.

Boortz talks about a specific Life Insurance ad that he sees on TV that seems good until you read the details. He breaks down the what the ad says versus what they don't tell you.See omnystudio.com/listener for privacy information.

Boortz talks about a specific Life Insurance ad that he sees on TV that seems good until you read the details. He breaks down the what the ad says versus what they don't tell you.Atlanta's ONLY All Conservative News & Talk Station.: https://www.xtra1063.com/See omnystudio.com/listener for privacy information.

The BC NDP finally found someone to blame over Premier Eby's misleading statements on Musqueam deal. Turns out it was a low level staffer in ministry of indigenous relations. Guest: Vaughn Palmer Learn more about your ad choices. Visit megaphone.fm/adchoices

In this edition of Essential, we look at two major issues facing pharmacy compounding. First is a state-by-state effort by pharma companies to pass laws restricting compounding, and second is a cryptic statement from the FDA about  possible limitations on compounding with GLP-1 ingredients. They're both Very Big Deals for pharmacists across the country. Links FDA statement on GLP-1 drugs: https://www.fda.gov/news-events/press-announcements/fda-intends-take-action-against-non-fda-approved-glp-1-drugs … and APC's response: https://a4pc.org/news/apc-responds-to-fdas-glp-1-statement  Stay up to date on our state Compounding Defense Initiative: compounding.com  Join APC today: https://a4pc.org/membership  Find us on social: LinkedIn: https://www.linkedin.com/company/a4pcrx/ Facebook: https://www.facebook.com/a4pcrx/ Instagram: https://www.instagram.com/a4pcrx/

Morse code transcription: vvv vvv Starmer at odds with Trump in biggest disagreement yet Sir Michael Moritz wants German citizenship over hostility to Jews Oil and gas prices rise on new Iran threat to Gulf shipping China removes three retired generals from national advisory body Brewdog Bars close and hundreds lose jobs as beer firm sold in 33m deal Why did US and Israel attack Iran and how long could the war last Inside Peaky Blinders film premiere hailed a global phenomenon Jacinda Arderns move to Australia renews spotlight on New Zealands brain drain problem Misleading school talks compared student loans to 30 phone contracts Bill and Hillary Clintons testimony about Jeffrey Epstein released

Morse code transcription: vvv vvv Why did US and Israel attack Iran and how long could the war last Inside Peaky Blinders film premiere hailed a global phenomenon Sir Michael Moritz wants German citizenship over hostility to Jews Oil and gas prices rise on new Iran threat to Gulf shipping Brewdog Bars close and hundreds lose jobs as beer firm sold in 33m deal Bill and Hillary Clintons testimony about Jeffrey Epstein released China removes three retired generals from national advisory body Starmer at odds with Trump in biggest disagreement yet Misleading school talks compared student loans to 30 phone contracts Jacinda Arderns move to Australia renews spotlight on New Zealands brain drain problem

Morse code transcription: vvv vvv Bill and Hillary Clintons testimony about Jeffrey Epstein released Jacinda Arderns move to Australia renews spotlight on New Zealands brain drain problem Inside Peaky Blinders film premiere hailed a global phenomenon Oil and gas prices rise on new Iran threat to Gulf shipping China removes three retired generals from national advisory body Why did US and Israel attack Iran and how long could the war last Starmer at odds with Trump in biggest disagreement yet Brewdog Bars close and hundreds lose jobs as beer firm sold in 33m deal Sir Michael Moritz wants German citizenship over hostility to Jews Misleading school talks compared student loans to 30 phone contracts

Morse code transcription: vvv vvv Sir Michael Moritz wants German citizenship over hostility to Jews Misleading school talks compared student loans to 30 phone contracts Oil and gas prices rise on new Iran threat to Gulf shipping China removes three retired generals from national advisory body Why did US and Israel attack Iran and how long could the war last Inside Peaky Blinders film premiere hailed a global phenomenon Starmer at odds with Trump in biggest disagreement yet Bill and Hillary Clintons testimony about Jeffrey Epstein released Brewdog Bars close and hundreds lose jobs as beer firm sold in 33m deal Jacinda Arderns move to Australia renews spotlight on New Zealands brain drain problem

In the latest episode of ESG: Global, Florence Iveson speaks with Alexander Wijeratna of Mighty Earth. Together, they discuss the organisation's groundbreaking legal strategies aimed at confronting the environmental and human rights impacts of industrial agriculture. They discuss whistleblower complaints over JBS's sustainability linked bonds, legal challenges to its stock exchange listing, and new efforts to hold major financial institutions accountable for funding deforestation, methane emissions and other climate harms linked to global meat supply chains.

These massive AI deals look concerning The numbers are exciting when companies like Meta or OpenAI announce they'll be purchasing billions of dollars in chips or computing power from companies like Nvidia or AMD, but there always seems to be a catch. Most recently, Meta announced that it entered a multiyear deal with AMD to deploy up to 6 gigawatts of the company's graphics processing units for artificial intelligence data centers and includes use of AI-optimized central processing units, or CPUs. This deal comes a week after Meta committed to using millions of Nvidia's processors to power its AI expansion. While I have my concerns with all the money Meta is spending, my bigger concern with this new AMD deal is the use of stock warrants. Full details for the deal weren't announced, but we did see the deal includes a performance-based warrant for Meta to acquire 160 million AMD shares, about 10% of the company. The first tranche vests when the first 1GW of Instinct GPUs are shipped. Other tranches vest as Meta, makes purchases to 6GW. Vesting is also tied to stock price thresholds for AMD and technical and commercial milestones for Meta. AMD also struck a similar deal with OpenAI where they received warrants to acquire 160 million shares of AMD and it was tied to deployment and stock price benchmarks. The reason this is concerning is because of the potential dilution and again the circular nature of these deals. Essentially these companies are saying they will spend $30 B buying our products and we will give you $30 B in stock warrants back. Stock warrants give holders the right but not the obligation to buy or sell shares at specific strike price before an expiration date. If they are exercised, it creates new stock, which would dilute current shareholders. Based on what I have seen, the exercise price for these warrants is $0.01. Ultimately, I just don't believe this will end well for all players in this space, and I think there is a lot of money that will be lost by investors.    2025 trade deficit looks deceiving Some people are saying that the tariffs didn't work because the trade deficit in 2025 only fell to about $901.5 B from just over $903 B in 2024. However, if you break down the numbers quarter by a quarter, it tells a different story. The first three months of the year, there was a $400 billion trade deficit, but each quarter after that it began to decline. In the second quarter, it fell drastically to $180 billion. There wasn't much of a change in the third quarter with a slight drop to $175 billion and then in the fourth quarter there was a drop to $145 billion. We try to explain to people that the US economy at $31.5 trillion is like a big ship in the ocean; it cannot turn quickly. If people would be patient, I think they would see by the end of 2026 there would be further progress and I believe it's possible the trade deficit could see a decline to somewhere around $600-$700 billion based on the fourth quarter of 2025. I know there's a snafu with the Supreme Court ruling that the International Emergency Economic Powers Act, which was used in the first quarter last year to implement many of the tariffs, was ruled illegal. But there are other ways to impose tariffs such as section 122 of the Trade Act of 1974 or section 301 of the Trade Act that the president used in his first term. Also available is section 232 of the Trade Expansion Act of 1962. I don't believe the Supreme Court ruling will lead to an end of tariffs as the Administration will look at these other avenues. One major positive from these tariffs has been the announcements of various trade deals that have resulted in trillions of dollars promised by other countries to build manufacturing and other things in our economy.   Why is automobile insurance so high? Your first thought may be the insurance companies are gouging their customers just to make big profits. First off, insurance companies are generally public companies that have shareholders who would not be investing in their company if it was losing money and not paying dividends. The high cost of premiums is not the insurance companies' fault as in recent years things have really changed. Over the past five years, physical damage costs have increased by 47%. This is because of the higher price of cars and all the extra bells and whistles that add up when there's damage to a vehicle. Bodily injury claims are up 52% over the last five years because of the vast amount of new personal injury lawyers who have come on the scene and are pushing for higher settlements, even on small fender benders. Around 95% of these cases are settled and do not go to court. Many of your less reputable attorneys know this and hold the insurance companies' hostage. Either settle up with us now or go to court and spend a lot more money and time. Unfortunately, if you're a responsible driver that makes your premium payments, you are helping absorb the cost of uninsured and underinsured motorists which is up 72%. I'm not a big person for government regulation, but I do believe governments need to step in and verify that all people on the road have auto insurance and a reasonable amount. There's a trend starting in Florida, which is tort reform that has reduced litigation, and the top five insurance companies in the state have requested rate reductions of 5.9%. There is something in the auto insurance industry called fender bender litigation and this tort reform would help states like New York, California and other states to prevent insurance companies from having to pay ridiculous settlements for little dings and dents and fake injuries. Wouldn't it be nice if the state of California passed laws to help consumers to pay less for auto insurance?   Financial Planning: What Is the Goal of Tax Planning? Most people would assume the goal of tax planning is simply to reduce taxes, or even to reduce lifetime taxes, but that should not be the focus.  The true purpose of tax planning is to increase the level of after-tax income by intentionally managing assets and income sources. If the objective were merely to pay less in taxes, the solution would be simple: stop earning money. But earning less would also leave you with fewer resources and less freedom. What people ultimately want is more net income, more access to money, because that provides flexibility, security, and the ability to live life on their terms. Effective tax planning achieves this by building assets and income streams and structuring them in a way that allows you to access them efficiently. This means investing in the right types of assets, placing them in the right types of accounts, adjusting the strategy over time as income and tax laws change, and withdrawing funds at the right time and in the right manner. When you understand that the true purpose of tax planning is to maximize after-tax access to wealth, not merely minimize taxes, you make better decisions that improve your financial life.   Companies Discussed: Vulcan Materials Company (VMC), Leidos Holdings, Inc. (LDOS), Packaging Corporation of America (PKG) & Caesars Entertainment, Inc. (CZR)

Send a textThe wellness industry is booming, but is it actually helping people live better lives? With trillions spent on supplements, special diets, and longevity hacks, it raises a bigger question about what really matters for long-term health.Dr. Zeke Emanuel, Author, Eat Your Ice Cream joins CareTalk to discuss the wellness industrial complex, the health risks of loneliness, and why social connection, simple habits, and even ice cream may matter more than expensive longevity obsessions.

February 25th – Show 1108The ChatLee shared updates about work, including losing a potential sale to a competitor who offered misleading incentives. T discussed her progress with crafting felt figures, noting she has improved her skills. Snug and Lee exchanged light banter about T’s felt fellas and the potential for using AI to enhance their creativity. The group discussed various AI projects and tools. Snug shared updates on building apps with Claude and Perplexity, including a short maker, a YouTube transcription tool, and an icecast frontend. Lee is using ChatGPT for caravan trade price analysis Emergency Questions: If you could receive all the products from a single company for free (but could not resell them), which company would you choose? If you could have the world’s largest collection of one thing, what would it be? If you could teach your pet to do one thing, what would it be? What would be on your Mount Rushmore of Apps you open without thinking.? TV & MoviesThings You Should Have Done Being Gordon Ramsey Linktree Discord: https://discord.gg/7ndTXDhNC5 a Facebook message A blog comment below @ us on Twitter Why not surprise us with an MP3 in an email to twoguys@snugradio.co.uk Please take some time to show us your love by reviewing us on ITunes. We welcome ALL comments The Snug is an affiliate of Amazon Music   Snug StatsMusic This ShowElf Maf & Lee – Bring Me Sunshine Tamara Sings – Walking On Sunshine Tamara Writes & AI Sings – Mean Dean Cover Version SandwichBridge Over Troubled Water Join us every Wednesday from 18:30 (UK time) See you then…and have a Snuggly week. http://www.snugradio.co.uk/Shows/20260304Snug.mp3

Humans aren't rational. We don't evaluate facts objectively; instead, we interpret them through our biases, experiences, and backgrounds. What's more, we're psychologically motivated to reject or distort information that threatens our identity or worldview – even if it's scientifically valid. Add to that our modern media landscape where everyone has a different source of "truth" for world events, our ability to understand what is actually true is weaker than ever. How, then, can we combat misinformation when simply presenting the facts is no longer enough – and may even backfire? In this episode, Nate is joined by John Cook, a researcher who has spent nearly two decades studying science communication and the psychology of misinformation. John shares his journey from creating the education website Skeptical Science in 2007 to his shocking discovery that his well-intentioned debunking efforts might have been counterproductive. He also discusses the "FLICC" framework – a set of five techniques (Fake experts, Logical fallacies, Impossible expectations, Cherry picking, and Conspiracy theories) that cut across all forms of misinformation, from the denial of global heating to vaccine hesitancy, and more. Additionally, John's research reveals a counterintuitive truth: our tribal identities matter more than our political beliefs in determining what science we accept – yet our aversion to being tricked is bipartisan.  When it comes to reaching a shared understanding of the world, why does every conversation matter – regardless of whether it ends in agreement? When attacks on science have shifted from denying findings to attacking solutions and scientists themselves, are we fighting yesterday's battle with outdated communication strategies? And while we can't eliminate motivated reasoning (to which we're all susceptible), how can we work around it by teaching people to recognize how they're being misled, rather than just telling them what to believe?   About John Cook: John Cook is a Senior Research Fellow at the Melbourne Centre for Behaviour Change at the University of Melbourne. He is also affiliated with the Center for Climate Change Communication as adjunct faculty. In 2007, he founded Skeptical Science, a website which won the 2011 Australian Museum Eureka Prize for the Advancement of Climate Change Knowledge and 2016 Friend of the Planet Award from the National Center for Science Education. John also created the game Cranky Uncle, combining critical thinking, cartoons, and gamification to build resilience against misinformation, and has worked with organizations such as Facebook, NASA, and UNICEF to develop evidence-based responses to misinformation. John co-authored the college textbooks Climate Change: Examining the Facts with Weber State University professor Daniel Bedford. He was also a coauthor of the textbook Climate Change Science: A Modern Synthesis and the book Climate Change Denial: Heads in the Sand. Additionally, in 2013, he published a paper analyzing the scientific consensus on climate change that has been highlighted by President Obama and UK Prime Minister David Cameron. He also developed a Massive Open Online Course in 2015 at the University of Queensland on climate science denial, that has received over 40,000 enrollments.   Show Notes and More   Watch this video episode on YouTube   Want to learn the broad overview of The Great Simplification in 30 minutes? Watch our Animated Movie.   ---   Support The Institute for the Study of Energy and Our Future   Join our Substack newsletter   Join our Hylo channel and connect with other listeners  

AP correspondent Melissa Goldin runs a fact check on parts of President Trump's State of the Union address.

Feeding choices carry an enormous emotional weight for new parents, often shaped more by online narratives and cultural pressure than by balanced evidence. In this conversation, we unpack formula guilt, breastfeeding myths, and how distorted risk messaging fuels shame. We talk about how understanding research in context can help parents move away from fear-based thinking and toward informed, values-based decisions that support both parent and baby. The episode also explores the long-term impact of early feeding shame on maternal confidence. Feeding is often the first major parenting decision, and how a parent navigates it sets the tone for future choices. We focus on strengthening self-trust, rejecting stigma, and recognizing that child outcomes are driven by complex environmental and social factors, not a single feeding method. What we discussed: Why parents feel guilt around formula feeding How online activism shapes feeding narratives Evaluating whether sources of information are trustworthy Misleading statistics and risk exaggeration Relative risk vs absolute risk in infant illness The psychological harm of formula shaming Why stress can worsen milk supply struggles Breastfeeding benefits in realistic context Why breastfed babies still get sick The role of environment and exposure to germs Myths about allergies, IQ, and milestone differences How child development is multifactorial Socioeconomic factors in feeding research Sibling comparison studies and feeding outcomes Why shame damages maternal bonding Strengthening decision confidence early in parenting Owning feeding choices without apology How openness reduces stigma for other parents Modeling self-trust for the parenting journey Letting go of guilt about long-term outcomes Want more? Listen to the full, original episode. Check out Mallory's new book, "Bottle Service": https://www.amazon.com/Bottle-Service-Encouragement-Guilt-Free-Successful/dp/1668088762 Our podcasts are also now on YouTube. If you prefer a video podcast with closed captioning, check us out there and ⁠subscribe to PedsDocTalk⁠. Get trusted pediatric advice, relatable parenting insights, and evidence-based tips delivered straight to your inbox—join thousands of parents who rely on the PDT newsletter to stay informed, supported, and confident. ⁠⁠⁠⁠Join the newsletter⁠⁠⁠⁠! And don't forget to follow ⁠⁠⁠⁠@pedsdoctalkpodcast⁠⁠⁠⁠ on Instagram—our new space just for parents looking for real talk and real support. We love the sponsors that make this show possible! You can always find all the special deals and codes for all our current sponsors on the ⁠PedsDocTalk Podcast Sponsorships⁠ page of the website.  Learn more about your ad choices. Visit podcastchoices.com/adchoices

Feeding choices carry an enormous emotional weight for new parents, often shaped more by online narratives and cultural pressure than by balanced evidence. In this conversation, we unpack formula guilt, breastfeeding myths, and how distorted risk messaging fuels shame. We talk about how understanding research in context can help parents move away from fear-based thinking and toward informed, values-based decisions that support both parent and baby. The episode also explores the long-term impact of early feeding shame on maternal confidence. Feeding is often the first major parenting decision, and how a parent navigates it sets the tone for future choices. We focus on strengthening self-trust, rejecting stigma, and recognizing that child outcomes are driven by complex environmental and social factors, not a single feeding method. What we discussed: Why parents feel guilt around formula feeding How online activism shapes feeding narratives Evaluating whether sources of information are trustworthy Misleading statistics and risk exaggeration Relative risk vs absolute risk in infant illness The psychological harm of formula shaming Why stress can worsen milk supply struggles Breastfeeding benefits in realistic context Why breastfed babies still get sick The role of environment and exposure to germs Myths about allergies, IQ, and milestone differences How child development is multifactorial Socioeconomic factors in feeding research Sibling comparison studies and feeding outcomes Why shame damages maternal bonding Strengthening decision confidence early in parenting Owning feeding choices without apology How openness reduces stigma for other parents Modeling self-trust for the parenting journey Letting go of guilt about long-term outcomes Want more? Listen to the full, original episode. Check out Mallory's new book, "Bottle Service": https://www.amazon.com/Bottle-Service-Encouragement-Guilt-Free-Successful/dp/1668088762 Our podcasts are also now on YouTube. If you prefer a video podcast with closed captioning, check us out there and ⁠subscribe to PedsDocTalk⁠. Get trusted pediatric advice, relatable parenting insights, and evidence-based tips delivered straight to your inbox—join thousands of parents who rely on the PDT newsletter to stay informed, supported, and confident. ⁠⁠⁠⁠Join the newsletter⁠⁠⁠⁠! And don't forget to follow ⁠⁠⁠⁠@pedsdoctalkpodcast⁠⁠⁠⁠ on Instagram—our new space just for parents looking for real talk and real support. We love the sponsors that make this show possible! You can always find all the special deals and codes for all our current sponsors on the ⁠PedsDocTalk Podcast Sponsorships⁠ page of the website.  Learn more about your ad choices. Visit podcastchoices.com/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3301: Dr. Scott Schreiber breaks down how food labels are often misleading and outdated, showing how serving sizes, calorie counts, and nutrient listings can trick even the health-conscious shopper. With recent label updates and the right knowledge, you'll learn how to spot hidden diet killers and make smarter, more empowered food choices. Read along with the original article(s) here: https://diyactive.com/how-to-read-food-labels-and-identify-diet-killers/ Quotes to ponder: "Be sure to look at this, oftentimes, the serving sizes are made intentionally small to make the product appear healthier than it actually is." "Total fat is not indicative of poor health and, in fact, the opposite is true." "Calories are in bolder type. This is helpful, but weight management is not about the calories, it is more about where they came from." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3301: Dr. Scott Schreiber breaks down how food labels are often misleading and outdated, showing how serving sizes, calorie counts, and nutrient listings can trick even the health-conscious shopper. With recent label updates and the right knowledge, you'll learn how to spot hidden diet killers and make smarter, more empowered food choices. Read along with the original article(s) here: https://diyactive.com/how-to-read-food-labels-and-identify-diet-killers/ Quotes to ponder: "Be sure to look at this, oftentimes, the serving sizes are made intentionally small to make the product appear healthier than it actually is." "Total fat is not indicative of poor health and, in fact, the opposite is true." "Calories are in bolder type. This is helpful, but weight management is not about the calories, it is more about where they came from." Learn more about your ad choices. Visit megaphone.fm/adchoices

Dentists assume they're protected—until they actually need to file a claim. Today, I sit down with disability attorney Ben Glass to unpack hidden traps inside professional disability policies. Misleading definitions, claims denied and progressive conditions vs catastrophic injuries prove preparation before filing is essential. If you're a dentist or healthcare professional who depends on your hands, vision, and stamina to earn a living, this episode is a critical reminder: Bulletproofing your income requires more than paying premiums—it requires understanding what you actually bought. If you like this episode, here are more episodes we think you'll enjoy: Ep #575 - Burn the Boats: How To Retire Without Slowing Down – Jim Palmer Ep #508 - Time Management Principles and Strategies For Success and Enjoyment – Ben Glass Check out the show notes for more information! P.S. Whenever you're ready, here are some other ways I can help fast track you to your Freedom goal (you're closer than you think): 1. Schedule a Call with My Team: If you're tired of running on the hamster wheel, and are looking for a proven blueprint to create more freedom and reduce dependency on your practice income, schedule a call with my team to learn more. 2. Get Your Dentist Retirement Survival Guide: The winds of economic change are here, and now is the time to move to higher ground. This guide gives you the steps to protect your retirement, your family, and your peace of mind. Get the 25-point checklist here. 3. Are You Exit-Ready? Complete this 2-min scorecard to reveal where you stand across the four pillars that determine if you control your exit—or are just waiting for one. You'll get a personalized plan to start building optionality immediately.

On today's Consumer Finance Monitor podcast, we are releasing an episode about a timely and wide-ranging discussion on one of the most significant and fastest-evolving developments in commercial finance: the rapid "consumerization" of small business lending law. In this episode, host Alan Kaplinsky welcomes Louis Caditz-Peck, Executive Director of the Responsible Business Lending Coalition (RBLC), for an in-depth conversation about the proliferation of state small business lending protection statutes, the policy debates driving them, and what they mean for lenders, fintechs, banks, and small business borrowers. From Self-Regulation to State Law: How We Got Here For decades, commercial lending operated under a fundamentally different regulatory framework than consumer credit. The prevailing assumption was that business borrowers were sophisticated, negotiated their transactions, and did not need standardized disclosures or suitability-type protections. That assumption has eroded. As Louis explains, since the financial crisis, and particularly with the growth of online and fintech lending, small business financing has changed dramatically. Community banks have pulled back. Non-bank online platforms have expanded. New products, including merchant cash advances and other revenue-based financing arrangements, have proliferated. At the same time, concerns have grown about: Opaque pricing structures Misleading "interest rate" representations Broker incentives that steer borrowers into higher-cost products Repeated refinancing of unaffordable obligations These concerns led to the development of the Small Business Borrower's Bill of Rights, a set of industry standards first launched in 2015 at the Aspen Institute by a coalition of lenders, small business groups, and nonprofit advocates. What began as a voluntary, self-regulatory effort quickly became a blueprint for legislation. California's SB 1235 in 2018 marked the first major small business truth-in-lending law. Since then, according to Louis, 19 small business financial protection laws have been enacted across multiple states, with California and New York leading the way. The "Consumerization" of Small Business Lending A central theme of the episode is whether we are witnessing the "consumerization" of small business lending. Many of the new state laws borrow heavily from consumer credit concepts, including: APR-style cost disclosures Total cost of financing disclosures Payment schedule requirements Prepayment and fee transparency Restrictions on certain contractual provisions Some states have layered on licensing or registration requirements for small business finance providers. Others incorporate or supplement state UDAP (unfair and deceptive acts and practices) standards, which may apply to certain business-to-business transactions as well as consumer transactions. The policy rationale is straightforward: many "Main Street" businesses are effectively sole proprietorships or closely-held operations without in-house finance or legal teams. Legislators increasingly view these borrowers as closer to consumers than to large corporations with treasury departments and inside or outside counsel. As Alan and Louis discuss, the regulatory shift raises serious operational and compliance challenges, particularly given the state-by-state patchwork of requirements. The Compliance Conundrum: Patchwork and Harmonization A recurring concern is whether the proliferation of state laws imposes disproportionate burdens on smaller lenders and startups, especially compared to large institutions with robust legal and compliance infrastructures. Louis emphasizes that RBLC has actively worked to promote interstate harmonization, particularly between California and New York. For example: Advocating for standardized disclosure forms that can be used in multiple states Aligning definitions and disclosure triggers Encouraging estimated APR calculations for revenue-based financing However, not all states have followed a harmonized approach. Some laws, particularly those focused narrowly on merchant cash advances, have created divergent requirements, complicating multi-state compliance. As Alan notes, the trend presents both risk and opportunity for lenders and their counsel. The regulatory environment is no longer static. Companies offering small business financing must assume that: Cost disclosures will likely be required in more states Registration or licensing may apply Enforcement risk—particularly under state UDAP statutes—will increase Section 1071 and Federal Uncertainty The episode also explores the role of the CFPB under Section 1071 of the Dodd-Frank Act, which requires data collection on small business lending to: 1.     Identify potential discrimination, and 2.     Assess whether certain markets are underserved. The CFPB finalized its 1071 rule in 2023 under then Director Rohit Chopra. Multiple legal challenges followed. Under the current administration, a notice of proposed rulemaking has sought to scale back and slow implementation. At the same time, the Federal Trade Commission has signaled an interest in using its enforcement authority to address unfair or deceptive acts or practices affecting small businesses—underscoring an intriguing tension within federal regulatory policy. As Louis observes, the debate is not simply about reducing or expanding government. It is about how government authority will be used and whether transparency and enforcement will be advanced through rulemaking, litigation, or state initiatives. Merchant Cash Advances and Revenue-Based Financing A particularly nuanced part of the discussion focuses on merchant cash advances (MCAs) and other sales-based financing products. These arrangements typically involve: An advance of funds in exchange for a fixed repayment amount Payments tied to a percentage of daily or periodic sales Variable duration depending on business performance RBLC's position, as Louis explains, is product neutral. The coalition does not advocate banning product categories or imposing rate caps. Instead, it focuses on responsible practices, including transparent pricing and assessment of ability to repay. Importantly, none of the major state lending protection laws impose interest rate caps. The emphasis is on disclosure and market transparency rather than price regulation. Who Is Covered—and Who Is Not? Most state small business truth-in-lending statutes apply to financing of $500,000 or less (with some variation, such as New York's $2.5 million threshold following gubernatorial revision). Coverage often includes: Closed-end loans Open-end lines of credit Sales-based financing/MCAs Factoring (in some states) Banks are generally exempt from these statutes, though non-bank "providers" presenting the offer of credit may still have disclosure obligations even in bank partnership models. As Alan highlights, this raises interesting competitive and policy questions about level playing fields across banks and non-banks. Looking Ahead to 2026 Both speakers agree: this trend is not going away. With significant percentages of small business owners reporting difficulty accessing affordable capital—and a substantial minority reporting harm from predatory practices—state legislators remain motivated to act. The key policy question is not whether regulation will expand, but how. Well-designed transparency frameworks can: Promote price competition Reward responsible innovation Improve borrower decision-making Poorly harmonized or overly rigid frameworks, however, risk increasing compliance costs and reducing credit availability. As Alan notes in his closing remarks, small business finance regulation is becoming a core area of growth for law firms and compliance professionals historically focused on consumer financial services. The line between consumer and commercial finance continues to blur.  Alan noted that the Consumer Financial Services Group which he founded and chaired for 25 years has counseled and represented small business lenders for decades. For lenders, fintechs, banks, and their advisors, understanding these developments is no longer optional—it is essential. Consumer Finance Monitor is hosted by Alan Kaplinsky, Senior Counsel at Ballard Spahr, and the founder and former chair of the firm's Consumer Financial Services Group. We encourage listeners to subscribe to the podcast on their preferred platform for weekly insights into developments in the consumer finance industry.

Stephen Grootes speaks to consumer ninja Wendy Knowler about how companies can buy certain search terms, but only up to the point where it doesn’t mislead consumers into thinking they’re dealing with a different business. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.    Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Follow us on social media   702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Coles has been taken to court by the ACCC for ‘utterly misleading’ consumers on grocery prices. SEEK is putting its stake in Employment Hero up for sale… ending an eight year startup partnership right after their courtroom drama. Sushi Sushi has been snapped up by Japan’s Genki for $160 million, taking the humble Aussie hand roll global. _ Download the free app (App Store): http://bit.ly/FluxAppStore Download the free app (Google Play): http://bit.ly/FluxappGooglePlay Daily newsletter: https://bit.ly/fluxnewsletter Flux on Instagram: http://bit.ly/fluxinsta Flux on TikTok: https://www.tiktok.com/@flux.finance —- The content in this podcast reflects the views and opinions of the hosts, and is intended for personal and not commercial use. We do not represent or endorse the accuracy or reliability of any opinion, statement or other information provided or distributed in these episodes.__See omnystudio.com/listener for privacy information.

It’s been called the “Case of the Century”, and it could change supermarket pricing forever. The ACCC is taking Coles to the Federal Court, alleging it engaged in a planned campaign to mislead customers over price discounts. Coles is denying allegations, saying the prices were a result of global inflation. In this episode of The Briefing, Natarsha is joined by economist Dr Meg Elkins, who unpacks today’s historic case and its implications for both consumers and companies. Headlines: Accused Bondi Gunman, Naveed Akram, has appeared in court for the first time, South Australian Police have announced a new search for evidence related to the disappearance of 4-year-old Gus Lamont, police are appealing for information after an 85-year-old was kidnapped from his Sydney home, and former US President Barack Obama has admitted he believes in aliens. See omnystudio.com/listener for privacy information.

I've had a bunch of requests to write about this so here you go! Novo Nordisk has a long and sordid history of misdeeds, many of which I've written about previously. Now they have a new one to add to the list. Get full access to Weight and Healthcare at weightandhealthcare.substack.com/subscribe

Send a textWe're back with The Skinny On...three wild stories: confusing jobs data, Japan's equity market rally, and why everyone's freaking out about AI killing SaaS companies.Confused by the latest Non-Farm Payrolls report? So were we. The blowout headline number was nothing compared to the massive downward revisions to 2025's data. Yet somehow, bonds still sold off and the market has priced out March rate cuts. Huh?? We're not buying it.Then we jump to Japan, where the Nikkei's been ripping. Everyone's talking inflation, but the real story is decades in the making: Japan's finally ditching "holder capitalism" (where companies hoarded cash and protected jobs) for actual shareholder value. Prime Minister Takaichi's landslide win just accelerated reforms that started under Abe. With an aging population, pension funds need equities to work — so corporate Japan has no choice but to unlock value.Next: the "SaaS-pocalypse." Software stocks got obliterated on fears that AI will replace them entirely, pushing many loans in the tech sector into distressed territory. But remember: corporate cash flows don't vanish overnight. We share lessons from the past that suggest the current panic feels overblown, even if the existential threat is real.As our philosophical debate continues over the appropriate role for AI in the workplace, we bring on Charlie Schilling, CEO of Macabacus, to talk about how his company (creators of a beloved Wall Street productivity toolkit) is navigating this chaos and what AI actually means for financial modeling.Learn about our favorite tool, Macabacus, here: https://macabacus.com/wssFor a 14 day FREE Trial of Macabacus, click HEREShop our Self Paced Courses: Investment Banking & Private Equity Fundamentals HEREFixed Income Sales & Trading HERE Wealthfront.com/wss. This is a paid endorsement for Wealthfront. May not reflect others' experiences. Similar outcomes not guaranteed. Wealthfront Brokerage is not a bank. Rate subject to change. Promo terms apply. If eligible for the boosted rate of 4.15% offered in connection with this promo, the boosted rate is also subject to change if base rate decreases during the 3 month promo period.The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of 11/7/25, is representative, requires no minimum, and may change at any time. The APY reflects the weighted average of deposit balances at participating Program Banks, which are not allocated equally. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Sources HERE.

In the episode of the Consumer Finance Monitor podcast we are releasing today, we examine what may be the most consequential development in New York consumer protection law in nearly half a century: the enactment of the New York State Fair Business Practices Act (the FAIR Act). Signed into law in December 2025 and taking effect on February 17, 2026, the FAIR Act represents the first comprehensive overhaul of New York General Business Law § 349 in almost 50 years. Long focused primarily on deceptive acts and practices, Section 349 has now been expanded to expressly prohibit unfair and abusive business practices as well—bringing New York law far closer to the federal UDAAP framework under the Consumer Financial Protection Act. To explore what changed, why it matters, and how the law will be enforced in practice, Alan Kaplinsky (founder and former leader of the Consumer Financial Services Group at Ballard Spahr LLP and now Senior Counsel and host of Consumer Finance Monitor) is joined by two senior officials from the New York Attorney General's Bureau of Consumer Frauds and Protection who were directly involved in shaping and implementing the statute: ·        Jane Azia, Chief of the Bureau of Consumer Frauds and Protection ·        Alec Webley, Assistant Attorney General and one of the attorneys who helped shepherd the FAIR Act through the legislative process What followed was a wide-ranging and unusually candid discussion of the statute's origins, scope, enforcement implications, and practical lessons for businesses operating in, or affecting, New York. From Deception to Unfairness and Abusiveness For decades, New York's consumer protection regime lagged behind most other states and federal regulators by focusing almost exclusively on deception. As Jane Azia explained, deception alone often fails to capture conduct that is plainly harmful to consumers, particularly where disclosures technically exist but are obscured, consumers are subjected to high-pressure tactics, or businesses exploit significant informational or power asymmetries. The FAIR Act closes those gaps by expressly prohibiting: ·        Unfair practices, modeled closely on the FTC's longstanding unfairness framework ·        Abusive practices, drawing heavily on more than a decade of CFPB enforcement experience Importantly, while the statute borrows from federal concepts of unfairness and abusiveness, New York is not bound to follow future CFPB reinterpretations. As Alec Webley emphasized, the legislature carefully chose its language, expressly incorporating only certain federal elements (such as the FTC's "substantial injury" concept) while deliberately declining to tether New York law to future federal regulatory shifts. Broader Scope Than Federal Law One of the most significant differences between the FAIR Act and federal consumer protection law is scope. Jane Azia pointed out that unlike the federal Consumer Financial Protection Act, which applies primarily to financial services, the FAIR Act applies to all business activity occurring in, or affecting consumers in, New York. That means unfair or abusive conduct by non-financial businesses now squarely falls within the Attorney General's enforcement authority. The statute also avoids many of the preemption constraints that can limit state enforcement against national banks under federal law, because it is a law of general application rather than a banking regulation. No Rulemaking—But Clear Signals The FAIR Act does not grant the Attorney General rulemaking authority, and the AG's office does not currently plan to issue formal regulations or written guidance. Instead, businesses should expect the meaning of "unfair" and "abusive" to be fleshed out through enforcement actions, settlements, and existing federal precedent. That said, the Attorney General has already identified categories of conduct likely to draw scrutiny, including: ·        Steering borrowers into unnecessarily costly repayment options ·        High-pressure sales tactics ·        Obscured or misleading pricing ·        Exploitation of consumers with limited English proficiency ·        Misleading marketing in health care, auto sales, and emerging financial products Several examples discussed on the podcast, including enforcement actions involving e-cigarettes, earned wage access products, and savings account practices, illustrate how the AG's office has already been applying unfairness and abusiveness theories under existing authority, and how the FAIR Act now allows those claims to be brought directly under state law. Remedies and Enforcement Tools The FAIR Act does not dramatically alter the remedies available to the Attorney General, but it reinforces a powerful enforcement arsenal, including: ·        Injunctive relief ·        Restitution ·        Civil penalties ·        Disgorgement ·        Expedited "special proceedings" that can allow the AG to move quickly in court to halt unlawful conduct As a reminder, recent amendments to Article 22-a of the general business law also significantly increased civil penalties for violations of section 349 occurring during disasters or abnormal market disruptions, an issue businesses should not overlook. Extraterritorial Reach and Coordination with Other Regulators The discussion also addresses a recurring compliance question: when New York law applies beyond New York's borders. In general, the statute applies where conduct occurs in New York or where New York consumers are harmed. It can also apply to out-of-state consumers harmed by New York-based businesses. By contrast, purely out-of-state conduct with no meaningful New York nexus typically falls outside the statute's reach. The episode also explores how the Attorney General coordinates with: ·        Other state attorneys general in multi-state investigations, ·        The New York Department of Financial Services, ·        The New York City Department of Consumer and Worker Protection, and ·        Federal agencies such as the FTC. Even as federal consumer protection enforcement ebbs and flows, the states, and New York in particular, remain active and increasingly influential. Practical Takeaways for Businesses A central theme of the discussion was that the FAIR Act is not a reason to relax compliance efforts—quite the opposite. As Alec Webley noted, statutes like this create an opportunity for companies and their counsel to step back, reassess business practices, and ask hard questions: ·        Are consumers complaining about this practice? ·        Is it genuinely necessary to the business? ·        Does it obscure costs or risks? ·        Would the company be comfortable seeing it described on the front page of a major newspaper? Practices that may have survived under a narrow deception standard could now pose real enforcement risk under broader unfairness and abusiveness principles. Looking Ahead Both guests emphasize that the FAIR Act was drafted with care and restraint, and that early enforcement actions are likely to fall squarely within the statute's text and intent. At the same time, emerging technologies, particularly digital marketing, fine-print disclosures on mobile devices, and the use of AI, are clearly on the Attorney General's radar. The bottom line is clear: the FAIR Act marks a fundamental shift in New York consumer protection law. With its February 17, 2026 effective date now here, businesses operating in or affecting New York should be taking this development seriously by reviewing practices, strengthening compliance frameworks, and preparing for a more expansive and assertive enforcement environment. We will continue to track developments under the FAIR Act and report on key enforcement actions and interpretations as they unfold. Consumer Finance Monitor is hosted by Alan Kaplinsky, Senior Counsel at Ballard Spahr, and the founder and former chair of the firm's Consumer Financial Services Group. We encourage listeners to subscribe to the podcast on their preferred platform for weekly insights into developments in the consumer finance industry.

On Thursday's Football Daily, Phil Egan brings you the latest as Nottingham Forest are on the hunt for another new manager, Jim Ratcliffe's inflammatory comments and Ireland to find out their Nations League fate.Sean Dyche is sacked by Nottingham Forest after just four months in charge following a frustrating 0-0 draw with Wolves, with owner Evangelos Marinakis now searching for a fourth manager of the season.Former Wolves boss Vitor Pereira emerges as a leading candidate to replace Dyche, having previously worked successfully under Marinakis at Olympiacos.Keith Treacy reflects on Dyche's departure on Off The Ball Breakfast, admitting the timing may not come as a major surprise.Manchester City close the gap to three points at the top after a dominant 3-0 win over Fulham, with Pep Guardiola sensing belief growing in his squad.Arsenal face a tricky London derby against Brentford as Mikel Arteta's side aim to stretch their lead, while Igor Thiago looks to continue his red-hot scoring form.Liverpool edge Sunderland 1-0 to end their unbeaten home run, while Aston Villa and Burnley both secure crucial Premier League victories.Jim Ratcliffe's controversial comments on immigration draw criticism from UK Prime Minister Keir Starmer, with Henry Winter discussing the fallout on OTB Breakfast.The Republic of Ireland await their Nations League League B draw, with potential heavyweight clashes ahead and major implications for Euro 2028 qualification.A full breakdown of how Euro 2028 qualification will work for co-hosts Ireland, England, Scotland and Wales — and what safety nets are in place.LOI Pod reviews the opening week of the League of Ireland season, spotlighting Shelbourne's Jack Henry-Francis as a potential breakout star.Celtic leave it late as Alex Oxlade-Chamberlain scores a dramatic debut winner, while Rangers drop points in the Scottish Premiership title race.Thomas Tuchel commits his future to England through to Euro 2028, ending speculation linking him with a Premier League return.This week our live League of Ireland commentary comes from a sold-out Tolka Park as the 2024 champions Shelbourne, welcome 2025 champions Shamrock Rovers across the Liffey.Jonathan Higgins will be joined by Richie Towell in the gantry and you will be able to hear live and exclusive commentary on Off The Ball on your radios from 7 and on the GoLoud App.'Become a member and sign up at offtheball.com/join

On this episode of Fox Across America, Jimmy Failla tells us why it's really hard to take the Democrats seriously on the Epstein files. Founder and Executive Director of Power The Future Daniel Turner blasts California Governor Gavin Newsom for the stunning lack of progress on a high speed rail project in the Golden State. PLUS, host of the “Kennedy Saves The World” podcast Kennedy gives her take on the manufactured outrage over Bad Bunny's Super Bowl halftime show performance.    [00:00:00] Positive January jobs report & more Epstein files insanity [00:39:30] Misleading media headlines about Trump  [00:58:43] Daniel Turner  [01:14:50] Democratic lawmakers spar with ICE Director  [01:34:24] Kennedy Learn more about your ad choices. Visit podcastchoices.com/adchoices

This week on Its The Bottom Line that Matters Podcast, cohosts Jennifer Glass, Daniel McCraine, and Patricia Reszetylo pull back the curtain on one of business's biggest myths: that revenue is the number you should obsess over. What if chasing bigger sales isn't actually the smartest route to a healthier, happier business?Together, they unpack:Why “revenue feeds your ego, but profit feeds your family” — and how to make that mindset shiftThe real importance of knowing your margins, cash flow, and tax efficiency (instead of just chasing top-line numbers)What the pros look at beyond the balance sheet, including how to spot leaks and make smarter decisions about business growthYou'll hear real examples, practical ways to read your financial statements, and honest talk about how misunderstanding your numbers could hurt you — yet learning to master them can be freeing and profitable.Forget generic advice — this is the insider conversation every entrepreneur needs to hear if they want more clarity, control, and confidence in business. The real payoff? Less stress, more growth, and finally knowing what moves the needle for your success.About your hosts:Daniel McCraine: As an experienced business coach and consultant, Daniel McCraine brings a practical perspective to the podcast, urging entrepreneurs to look beyond just revenue when assessing business health. In this episode, he illustrates the importance of profitability, cash flow, and understanding financial metrics like the balance sheet and profit-and-loss statements. Daniel's insights help listeners see the full financial picture and avoid common pitfalls that come from focusing solely on top-line numbers.Jennifer Glass: A passionate advocate for business success, Jennifer Glass hosts the conversation with an emphasis on educating entrepreneurs and leaders. Throughout the podcast, she frames key questions about metrics and the meaning behind the numbers, steering the dialogue toward actionable takeaways. Jennifer reminds listeners that understanding the difference between ego-driven revenue and family-feeding profit is crucial for sustainable business growth.Patricia Reszetylo: With her expertise in financial efficiency, Patricia Reszetylo focuses on the importance of tax strategy and the details that lie between revenue and profit. She encourages business owners not only to strive for higher earnings but also to dig into expenses and tax planning—helping discover hidden opportunities for improvement. Patricia's practical advice makes financial management approachable, showing that anyone can find valuable insights just by examining their numbers carefully.Together, these three hosts share their expertise and perspectives, empowering business owners to understand that it's the bottom line—not just revenue—that truly matters.Keywords: revenue, profit, profitability, business metrics, gross profit margin, net profit margin, tax efficiency, business expenses, cash flow, profit and loss statement, income statement, balance sheet, financial reports, bookkeeping, accounting, QuickBooks, FreshBooks, Xero, financial documents, business growth, margins, interpreting financial statements, cash flow statement, financial health, expanding business, monitoring business, Shark Tank, Dragons Den, strategic planning, understanding numbers

Were vampires ever real... and other thoughts from todays podcast! Guess who's back? That's right, Chris and Rosie return to discuss school dinners, vampires, tea towels and some undercover (literally) recording. We have some brilliant voice notes that involve funerals, a £20 note and an unfortunate bed incident. QFTP's cover bottle misuse, dog pooh and some porn star intel! If you want to get involved and have your stories and voice notes included on the podcast then get in touch!

(SPOILER) Your Daily Roundup covers Love is Blind season 10 engagement spoilers coming today, the Bachelorette reunion show isn't quite what it seems, the Blake/Giannina match making “StarCrossed” show, Danielle Reyes speaks on the Traitors/Colton, & the new Muppets show on Disney plus.    Music written by Jimmer Podrasky (B'Jingo Songs/Machia Music/Bug Music BMI) Ads: Tonal⁠ - $200 off your tonal purchase at ⁠https://tonal.com⁠ Promo Code:  RealitySteve Learn more about your ad choices. Visit megaphone.fm/adchoices

In these confusing and chaotic times, it's important to stand on Biblical truths and its connection to the land of Israel. Troy Miller is the president and CEO of the National Religious Broadcasters Association, and he encourages Christians to speak out and stand up for what is Biblically accurate. Troy identifies the “propaganda movement” against Israel in the mainstream media and its dangers with spreading misinformation causing the rise of antisemitism. Troy shares his thoughts about influencer media, including celebrities like Tucker Carlson and Candace Owens, offering counter-narratives to scripture regarding God's covenant with Israel and the true meaning of Zionism. Troy dissects the current political division and the importance of finding shared unity in standing with Israel.TAKEAWAYSAntisemitism is mainly a leftist issue, although some members of the “new right” may ascribe to itSome influencers may be part of an indoctrination campaign against Israel and all Christians are called to expose inaccurate informationRadical Islamists, by nature, will always hate the Jewish peopleScripture is the best source of truth for parsing through the confusing narratives of modern culture

In a world where trust in traditional healthcare is collapsing, consumer genetic testing has rushed in, promising precision and control. But is your DNA test truly empowering you, or is it selling you fear dressed up as knowledge? In this critical episode, we expose the limitations and dangers of direct-to-consumer genetic reports, from the misleading focus on single SNPs (like MTHFR and FTO) to the illusion of genetic determinism. Learn why genetics loads the gun, but environment pulls the trigger, and how you can shift from being a victim of your DNA to an architect of your own health, or that of your clients.Topics discussed: - Rise of consumer genetics- Misleading fraction of your DNA- Genetics vs. Environment- Demystifying SNPs - Epigenetics'- The body's functional redundancy - Framework for coaches to evaluate genetic test quality- Fine-tuning with bloodwork and lifestyle data- Common SNPs - Ethical and privacy concerns with genetic data---------- ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠My Live Program for Coaches: The Functional Nutrition and Metabolism Specialization ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.metabolismschool.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠---------- [Free] Metabolism School 101: The Video Series⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.metabolismschool.com/metabolism-101⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠----------Subscribe to My Youtube Channel: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://youtube.com/@sammillerscience?si=s1jcR6Im4GDHbw_1⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠----------⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Grab a Copy of My New Book - Metabolism Made Simple⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠---------- Stay Connected: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram: @sammillerscience⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Youtube: SamMillerScience⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook: The Nutrition Coaching Collaborative Community⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok: @sammillerscience⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠----------“This Podcast is for general informational purposes only and does not constitute the practice of medicine, nursing or other professional health care services, including the giving of medical advice, and no doctor/patient relationship is formed. The use of information on this podcast and the show notes or the reliance on the information provided is to be done at the user's own risk. The content of this podcast is not intended to be a substitute for professional medical advice, diagnosis, or treatment and is for educational purposes only. Always consult your physician before beginning any exercise program and users should not disregard, or delay in obtaining, medical advice for any medical condition they may have and should seek the assistance of their health care professionals for any such conditions. By accessing this Podcast, the listener acknowledges that the entire contents and design of this Podcast, are the property of Oracle Athletic Science LLC, or used by Oracle Athletic Science LLC with permission, and are protected under U.S. and international copyright and trademark laws. Except as otherwise provided herein, users of this Podcast may save and use information contained in the Podcast only for personal or other non-commercial, educational purposes. No other use, including, without limitation, reproduction, retransmission or editing, of this Podcast may be made without the prior written permission of Oracle Athletic Science LLC, which may be requested by contacting the Oracle Athletic Science LLC by email at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠operations⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@sammillerscience.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. By accessing this Podcast, the listener acknowledges that Oracle Athletic Science LLC makes no warranty, guarantee, or representation as to the accuracy or sufficiency of the information featured in this Podcast."

#681: Barry Ritholtz's mom sold real estate. Those dinner table conversations about mortgages helped him spot the 2008 crash before most of Wall Street did. Now he runs Ritholtz Wealth Management and joins us to explain why we're often our own worst investment enemy. He breaks investing mistakes into three categories: bad ideas, bad numbers, and bad behavior. Here's what stood out. Research shows just 2 percent of stocks create all the market's value. The other 98 percent? Pretty much worthless. Barry says 90 percent of everything is garbage — from science fiction to investment advice. Even experts have blind spots. Michael Jordan dominated basketball but couldn't make it in minor league baseball. The lesson? Being brilliant at one thing doesn't make you brilliant at everything. Those financial memes everyone shares? They're misleading. Take Kevin's Home Alone groceries — $20 in 1990, $75 today. Sounds terrible until you realize wages went up the same amount. We actually spend less of our income on food now. Or that scary stat about the dollar losing 96 percent of its value over 100 years. Barry asks: who buries cash for a century? His math: $1,000 buried in 1925 buys almost nothing today. Same $1,000 invested in stocks? It's worth $32 million. Markets don't die of old age. Alan Greenspan warned about "irrational exuberance" in 1996. The Nasdaq kept climbing another 431 percent over four years. Recessions need triggers. They don't show up on schedule like buses. Fear wrecks more portfolios than anything else. Barry quotes neurologist William Bernstein: "Control your amygdala or die poor." Our fight-or-flight response helped us escape predators. It doesn't help us navigate market crashes. Make your investment plan before crisis hits. As Barry says, reading emergency instructions while the engine falls off at 25,000 feet is too late. He's seen every crash since 1987. Markets drop 30 to 40 percent about once a decade. Accept it. Plan for it. Barry advocates for Roth conversions and something called the "Mega Roth." Pay taxes now, withdraw tax-free later. We know today's tax rates. Future rates are anyone's guess. His bottom line: humans are terrible at predicting the future. Build portfolios that can survive anything, because anything will happen. Timestamps: Note: Timestamps will vary on individual listening devices based on dynamic advertising run times. The provided timestamps are approximate and may be several minutes off due to changing ad lengths. (00:00) Intro (02:00) How fear of mistakes can make investors too conservative (06:00) Bad ideas vs good ideas in investing (09:00) Process over outcome in decision making (15:00) Thinking probabilistically about market outcomes (20:00) Why recessions and bull markets don't follow calendars (26:00) AI's real capabilities vs hype (33:00) Different market commentator archetypes (41:00) Expertise doesn't transfer between domains (50:00) Misleading financial statistics everywhere (56:00) Managing emotions when markets crash (1:00:00) Creating an investment plan before crisis (1:05:00) Tax strategies and Roth conversions Learn more about your ad choices. Visit podcastchoices.com/adchoices