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ESPN college football radio/TV analyst Ian Fitzsimmons, who co-hosts Freddie and Fitzsimmons (with Freddie Coleman) weeknights on ESPN Radio, joins The Flagship Podcast for an exclusive interview this week to talk ball!! Fitzsimmons, who got his start in radio in Alabama in the 1990s and knows the Southeastern Conference inside and out, attended Big 12 football media days and spent some one-on-one time with Texas coach Steve Sarkisian, running back Bijan Robinson and defensive tackle Keondre Coburn. "My No. 1 preseason man crush is Bijan Robinson," Fitzsimmons told the Flagship Podcast before detailing how Robinson's close relationship with his grandfather, who served on officiating crews in the Pac-10 and Pac-12, led to Robinson idolizing Reggie Bush.  Fitzsimmons talks about why Texas fans should really like Sarkisian's coaching staff and if Fitzsimmons thinks Sark is comfortable being back in the glare of coaching one of the nation's top brands in college football. Fitzsimmons, like our own Chip Brown at Horns247, says the first two games of the season for the Longhorns - at home against Louisiana and at Arkansas - are going to be difficult challenges for UT that will serve as a big barometer for Texas' entire season. "A 2-0 start for the Horns would provide real momentum for Sarkisian's team in year one, because those games won't be easy," Fitzsimmons said. Of course, Fitzsimmons, who used to host a show on JOX Radio in Birmingham, Ala., (when Paul Finebaum was still at JOX) called The Cheap Seats, weighs in on Texas and Oklahoma accepting invitations to the SEC and how it will impact this season and beyond. Then, Brown and Fitzsimmons get into a fascinating, in-depth conversation about what could be next in terms of realignment for the remaining eight schools in the Big 12 - and across college athletics - that you don't want to miss. As Brown and Fitzsimmons wrap things up, the conversation turns back to the 2021 season and how Fitzsimmons sees the Big 12 playing out, including his contenders and pretenders. "The Big 12 is wide open," Fitzsimmons said before offering a surprise team to keep an eye on. If you consider yourself a Texas or college football fan, you can't miss this interview episode of The Flagship Podcast. Learn more about your ad choices. Visit megaphone.fm/adchoices

Have you ever experienced self-doubt or had that nagging voice in the back of your mind telling you why you can't achieve your goals, that you should quit now or that you're not as good as everyone else?Time to say bu-bye to that negative voice! On this episode of Make Millions to Impact Millions, I give you 7 strategies you can use to beat self-doubt, feel unstoppable and achieve the big success you want in life. Grab your journal and get ready to take notes. It's time to feel unstoppable and create the big results you want!To help you jump straight to the points you want to listen to, we have included these time references.Shownotes1:15: Someone you would not think had self doubt2:35: What you can do to overcome self doubt4:45: My No.1 go-to strategy to overcome self-doubt6:50: How my time in corporate helped me overcome self-doubt & how to apply this to your life now – creating your catalogue of success and personal hype file9:40: Mindset hacks to make you feel unstoppable 12:45: Law of Attraction vs Action; how to use manifestation to remove doubtUnpicking core beliefs that are holding you back & how to transform them Whose in your inner circle and (what you haven’t been told about equalising success)Taking responsibility, healing past wounds and how both these practices will liberate you.16:00: The Belief System21:00: Fears that are associated with your success and how to make it safe22:00: The people that you’re associating with25:21: Taking responsibility for your life as the CEO27:33: It is your own responsibility to do the work to heal30:40: Recap35:10: This only works if you do the workFavorite Quotes:We would love for you to share this message with others. Screenshot this episode and tag me on instagram at @iamlauratynan. Here are some of our favourite shareable quotes you can use!“Start taking action and see yourself producing results no matter how big or small it is.”“If we have limiting beliefs that are holding us back, we need to really unroot them and replace them with something more empowering.”“Some of your beliefs are there to protect you.”“Live your greatest life. You only have one.”“Check in with who you are surrounding yourself with. It is one of the key to success.”“Take responsibility for your life. You are the CEO, the Leader, and the Director of your own life.”“You are the only person that has the control of your own life. It is your responsibility to create anything that you desire in your life.”My mission in life is to support more amazing beings like you to create the life and business you dare to dream of. If you would like to feel fully supported on your journey to fulfilling your absolute greatness then be sure to connect with us on instagram @iamlauratynan or check out the business resources we have created for you over at lauratynan.comHere's to your success + greatness!

Last week I was forced to toss my own Salad because My No name yet Submissive decided to not show. Well this week he did show up and he is getting his…well deserved …Just Desserts of sorts and we ran out of time so we made a not so jambalaya dish! https://ckiaranation.com/not-sojambalaya/ Enjoy --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/ckiarasexculture2045/message Support this podcast: https://anchor.fm/ckiarasexculture2045/support

For years, whenever she performed a concert, Patty Smyth heard the same question from fans: “People would be like, ‘When are you gonna give us new music? When are you gonna give us new music?' I kept saying, “I'm gonna do it, I'm gonna do it… IT'S ABOUT TIME is Smyth doing it — for the first time in 28 years, not counting the 2015 holiday album COME ON DECEMBER. And on the eight-song set, produced in Nashville by Grammy Award-winner Dann Huff, the veteran songstress is doing it with the same passion, fire and provocative temperament that she's displayed since her ferocious arrival with the band Scandal in 1982, except now with the perspective and wisdom of three more decades of life and legacy she's attained during the interim. “I've been touring and playing shows with the same band for 12 years, just having a blast,” says Smyth, a Brooklyn native who now resides in Malibu and New York City with her husband, pro tennis legend John McEnroe. “I was always writing, but I didn't really think about, ‘Should I put out a record?' It's so difficult right now, so I didn't know whether I should do it or not. Then I finally went into the zone of writing these songs I felt were poignant and relevant for me, and I started to realize this is a real thing that's happening and just went with it.”  Smyth's instincts, of course, have established a career that's made her something of a legend in her own right as one of the foremost singers, and not just female singers, in rock. With the band Scandal, Smyth filled radio during the early 80s with indelible hits such as “Goodbye To You,” “Love's Got a Line on You” and “The Warrior,” a Top 10 smash that also topped the Billboard Mainstream Rock chart. She didn't miss a beat after the band's dissolution, either, following with a pair of well-received solo albums (NEVER ENOUGH and the Roy Bittan-produced PATTY SMYTH) and more hits, including “Never Enough” and “Sometimes Love Just Ain't Enough,” a duet with Don Henley that vaulted Smyth to the top of the Adult Contemporary charts, and to No. 1 in Canada. Along the way Smyth was also asked to replace David Lee Roth in Van Halen (she was eight months pregnant so the time wasn't right) and made guest appearances on the Hooters' NERVOUS NIGHT album and a couple of Henley's platinum releases. Her “Look What Love Has done” for the film JUNIOR was nominated for Academy and Grammy Awards, and Smyth's “Wish I Were You” was a soundtrack theme song for the 1998 box office smash ARMAGEDDON.  But it's no great secret, and maybe even a source of pride, that Smyth — who reunited with Scandal for a time during the 00s — has spent most of the past two decades below the proverbial radar. Family is the main reason, raising a brood of six mine, his and ours with McEnroe and giving those duties the same determined and passionate priority Smyth gave her music career.  “I was literally drowning in kids!” she says with a laugh — noting that it was daughter Ruby who encouraged Smyth to be part of the VH1 BANDS REUNITED episode in 2004 that resurrected Scandal. “My life just got too big for me to get around it. I've lived it, and it was great. But I had to step back (from music); I just didn't think I would step back for as long as I did.”  With the children all grown (youngest daughter Ava is 21), Smyth found herself using songwriting to take stock of where she finds herself in life now and what she's learned over those intervening years as a wife, a mother and a community member as well as an artist who hasn't entirely shed the chippy defiance of her youth. “Y'know, here we are. We still love music, we still like to have fun, but we're in our fifties — How the hell did that happen! It went really fast, y'know. And for me that's a little bit of a bittersweet thing. It's a privilege to get older and you're lucky to get older, but you do lose things.” Recording IT'S ABOUT TIME — which also includes covers of Bobby Gentry's “Ode to Billie Joe” and Tom Waits' “Downtown Train,” both staples in Smyth's live show — in Nashville was a treat, meanwhile. (She recorded “Downtown Train” before, in fact — on her debut solo album, two years after Waits' original version and two years before Rod Stewart's hit rendition.) She wrote songs with a variety of collaborators, including good pal Liz Rose, while she's known producer Huff since his days in the rock band Giant; He's since gone on to win Producer of the Year and Musician of the Year awards from the Country Music Association and Academy of Country Music, helming hits for the likes of Shania Twain, Keith Urban, Carrie Underwood, Martina McBride, Celine Dion, Kelly Clarkson and scores of others.   “I knew him as a guitar player. When I found out he was a big producer I was like, ‘Do you want to work with me?'” Smyth recalls. They recorded primarily at legendary Blackbird Studios, with co-producer Ilya Toshinskly handling acoustic guitar and a crack band that included guitarist Derek Wells, keyboardist Charlie Judge, bassist Jimmie Lee Sloas and drummer Chris McHugh.  “All I ever wanted to do was sing and perform, and when I discovered I could write I was so friggin' happy,” Smyth says. “I want to just keep getting better and more disciplined and keep moving forward. My No.1 priority, my kids, are all good and grown now, so the music can be it for me again, and I'm really enjoying that.”  

A copy editor's 4 quick and easy tips for revising and editing your own work. A small amount of time spent 'polishing' a manuscript is a wonderful investment. So arm yourself with basic editing skills to tighten your writing and make it sing! ⇨ YOU WILL LEARN: * How a copy editor handles jargon, cliches and puns * A 'short' secret for smarter self editing * Revising and editing long sentences and short sentences * My No.1 tip to do before editing your own work * How to make your writing shine! ⇨ FULL ARTICLE Click to read: https://www.foreveryoungautobiographies.com/editing-autobiographies/ ⇨ VIDEO PODCAST Click to watch: https://youtu.be/OnI5kw7gY6o. This show has been updated and improved. It was first published August 31, 2018, here https://youtu.be/YBrF10qfmDk ⇨ PUBLISHING SERVICES DEAL 1 hour free for email subscribers with any publishing service booked during the month of September 2020! Click for more https://www.foreveryoungautobiographies.com/publishing-services/ and subscribe here https://www.foreveryoungautobiographies.com/sign-up/ ⇨ FREE GIFT Your Family Stories System FREE sections are available here https://wp.me/P8NwjM-b5 ⇨ YOUR SAY What editing tip are you going to try? Or what's your fave editing suggestion? Leave me a comment below or here https://www.foreveryoungautobiographies.com/contact/ ⇨ RELATED LINKS Edit: The ultimate guide to polishing your writing https://www.foreveryoungautobiographies.com/edit/ How to write a book title: Catchy headlines and good book titles https://www.foreveryoungautobiographies.com/how-to-write-a-book-title/ Tell the truth: The surefire way to out skeletons in the family closet https://www.foreveryoungautobiographies.com/tell-the-truth/ Ask Nicola Q&A: How to copy edit + CPR for revising and editing your own work https://www.foreveryoungautobiographies.com/how-to-copy-edit/ Writing and editing: 3 things your writing teacher is looking for during a coaching call https://www.foreveryoungautobiographies.com/writing-and-editing/ Writing break: The secret weapon of writing tips https://www.foreveryoungautobiographies.com/writing-break/ ♡ Thanks for listening - PLEASE SUBSCRIBE if you are new and SHARE THE SHOW if you found it helpful! Happy writing! ⇨ ABOUT ME Hi and welcome! My name is Nicola and I help you learn how to write and self-publish life stories for family and friends so that unique memories live on. I've told thousands of people's stories as a daily print journalist for decades and would love to hear yours! ⇨ WEBSITE https://www.foreveryoungautobiographies.com ⇨ FACEBOOK https://www.facebook.com/foreveryoungautobiographies

You have to help me. I believe there isn’t a woman (person) alive who doesn’t need to hear this message at least once in her lifetime. I know, that’s a bold statement. But when you see it, you’ll know why. My work is about more than dating. It’s about time. Time = Life. And this podcast is designed to save your precious time. It's all about what “it’s complicated” really means. If you’re in a situation with a man that gives you far less than you want or deserve, this is the most important thing you could do with your time today. And I rarely ask this, but please do more than listen to this. Share it with every woman you know. I have spent over a decade working with women in their love lives. I’d go as far as to say no one has been witness to more women throwing away their precious time on the wrong situations than me. My No.1 objective is for this episode to help you get brave enough to say “enough is enough” in your own life. My 2nd objective is for you to help me save the lives of other women – your friends, your sisters, your mum, your daughters… anyone you care about. People don’t always have the wake up call on their own. Sometimes they need our help. No more wasting time. I know it’s hard, but I’m with you. I’m in your corner, always. __________ Follow Matt: Insta – @thematthewhussey Twitter – @matthewhussey Follow Stephen: Insta – @stephenhhussey Twitter - @stephenhhussey __________ ►► Relationships Don’t Have to Be Complicated. Learn 3 Simple Secrets to Get the Love You Deserve. Tap Below for Your FREE Guide... → http://www.3SecretsToLove.com

As the pandemic changed so many things both personally and professionally, I had to rethink of new ways to market and network in order to find new clients. And in doing so these past four months, I realized what my No. 1 marketing tool is for getting new clients. It’s not sexy or groundbreaking, but it’s solid: My No. 1 way to find new clients is through referrals. You may not like the words “networking” or “marketing” or “personal branding.” So, why not reframe it and call all those things “relationship building” instead. That’s what I’ve done, and I enjoy building new relationships with people. Some of them even end up becoming true friendships. And that grows my network. And when I grow my network, I expand the possibilities for referrals—not only from current and former clients, but from former co-workers at past jobs, from other editors and writers, from colleagues in the industries I specialize in. One of the biggest misconceptions I hear from some freelancers is about competition. Your fellow freelancers can be your friends, not your competition. In fact, that’s the way I want to live and be in my business—not in some uber competition with people, but in a non-toxic, stress-free, collegial environment. And, it is just a bonus that those people can be your biggest source of referrals. I cannot tell you how many times I’ve been contacted by a potential client who was just not the right fit. Instead of telling them “no” and that being the end of it, I usually offer to connect them with someone that might be a better fit, if I know instinctively that this will not take a lot of time. I sometimes reach out to freelancer friends that might be a good fit and ask them first if they are interested, without naming the client, and then offering to provide the client their name. Sometimes, the potential client is comfortable with me going ahead and introducing them to one person by email and then I let them take it from there. When you provide a few contacts to the potential client, not only are you helping out a fellow freelancer, but that client is appreciative and you never know how that might help in the future. I’ve had potential clients come back to me because I went that extra mile and asked me if I was available for a different type of project. Doing something small like that to help a potential client who has no idea where to look for a writer or editor, or whatever the services that they need help with, keeps you top of mind as a reliable and helpful person. Your name does not get jumbled in with all the other freelancer names they’ve heard. They will remember you—at least more than they will remember the freelancer who never got back to them or just said, “no, it’s not a good fit” and moved on. When you help out other freelancers in this way, they often reciprocate. You never know what opportunity might come up; it sometimes takes months or even years. But it is amazing how much work I’ve received from other freelancers. So, when you hear from potential clients with projects that are not quite for you, think of your fellow freelancers. This is easier the bigger the network you have. I actually have lists of friends with their expertise listed because it is hard to think of a perfect fit on the spot. The lists are good reminders of what everybody focuses on and what they’re looking for. In turn, these freelancer friends will hopefully remember you and return the favor, as they have done for me over the years.   The other primary way to get referrals is, of course, your current and past clients. Don’t be shy about letting clients know when you are looking for new work. And be specific about what you are looking for. You may think your client already knows what you do, but they often only know what you have done for them. Rather than just telling your clients what your services are, phrase it more like: “How can I help you? What do you need?” Then, you can list some of your services, and depending on how much energy and time you want to spend on this, you could also offer to connect them to other freelancers in areas they need help with. For example, if I make this offer and my client needs a new magazine designer, I can connect them with several graphic designers. I’m taking the burden off them, helping to shorten their to-do list. At the beginning of 2019, I decided to tell my clients directly exactly what I was looking for in the new year, so in my regular newsletter I explained that I was looking for a new newsletter or magazine to be the managing editor of, more membership association clients who needed a magazine writer and magazine proofreading gigs. One of them is now an anchor client. I remembered the success of that email when I needed to replace lost work at the beginning of the pandemic, so I decided to do something similar. This time, instead of using that smaller email list I had gathered for my newsletter, I pulled together my email contacts of former clients, current clients, friends and colleagues, and almost anyone I had ever had an extended conversation with about work. I then crafted an email and let them know I was looking for new work and spelled out exactly what services I could provide. I briefly mentioned my 20 years of experience, then created a bulleted list of my services and asked them how I could help them. Again, I offered to help them with whatever they were looking for, mentioning my vast network of other freelancers. In that bulleted list, I thought of the work that might be needed particularly during the pandemic like writing about public health. I also thought of things specific to the pandemic, like covering virtual conferences, which I used to cover in-person. I also mentioned I could help revamp content editorial calendars since the pandemic destroyed everyone’s editorial calendar. I ended the email by saying “Please feel free to share my name with—or forward this email to—any editors or colleagues at associations or other organizations who might be looking for a freelance writer or editor, especially someone who specializes in health care and public health.” My biggest lesson here is ASK. People don’t necessarily think of you unless you ask. Or, they think you don’t need the work. Or, they don’t know what you do. I had a handful of people respond that they didn’t think they could afford me, but as we talked through the project, it turns out they could. So, again, referrals come from many places. It’s my No. 1 way of getting new clients—and often clients I LOVE because I did the work to make sure we were a good fit. But you have to ask. And be specific about what you’re looking for, while also saying “how can I help you?” Getting referrals happens through networking, marketing and branding—or, better yet, “relationship building.” And that can still be done virtually right now, through social media, Zoom, texts, phone calls, email and more. Also, be sure to attend virtual conferences and webinars where your clients are—often there are chat features where you can connect with people.   Biz Bite: Strategically reorganize your online portfolio   The Bookshelf: “The Vanishing Half” by Brit Bennett   Resources: Episode #64 of Deliberate Freelancer: How to Increase Your Visibility and Get More Clients, with Amelia Roberts Episode #49 of Deliberate Freelancer: Appropriate Marketing and Promotion during the Coronavirus Pandemic, with Michelle Garrett Episode #43 of Deliberate Freelancer: 33 Ways to Find More Clients Episode #24 of Deliberate Freelancer: Networking Tips, Especially as an Introvert

Rebecca Patterson's My No, No, No Day is a delight for parents and kiddos alike as we have ALL had a no, no, no day from time to time. The most delightful part of all? The book ends with a yes, yes, yes day--the note of hope we all need to get through those more difficult times. --- Send in a voice message: https://anchor.fm/nona-reads0/message

Recorded: April 15, 2020 Mark Yusko is the founder, CEO and CIO of Morgan Creek Capital Management. Contact: http://morgancreekcap.com Twitter @MarkYusko INTERVIEW TRANSCRIPT (EDITED) Albert Lu: Welcome to The Power & Market Report. I'm Albert Lu. My guest this morning is Mark Yusko, the founder, CEO and chief investment officer of Morgan Creek Capital Management, which manages close to $2 billion in assets. Mark, thank you very much for joining The Power & Market Report. It's nice to meet you. Welcome. How are you?   Mark Yusko: Thanks, Albert. It’s great to be with you this morning. Everybody's doing well here in North Carolina. I hope you guys are doing well in California as well.   AL: We are, considering all. We're very lucky here. Lots to cover, not a lot of time, so let's get into it. [The] Dow rebounded nicely this morning; it's up 600 points. We're getting some good news on the health front — meaning that this thing is reaching peak. Are you willing to say that we put in the bottom and, if so, do you expect a retest of those levels any time? MY: You know, I'm actually not. I'm one of the few that's still in the camp that the worst is yet to come. You know Bob Farrell, the famous Maryland strategist, talked about bear markets. And his rule number 8 of his 10 investing rules was: Every bear market has a sharp down, a reflexive rebound, and then the fundamental downturn. And I think we're in the middle of this reflexive rebound and people are focused on kind of what's happening with every little piece of headline. And they're not really focusing on the big picture, which is, you know, we're going to have a pretty sharp downdraft in economic activity, already seeing that global trade is collapsing, profits are going to fall dramatically. And I just don't think you can increase P/E multiples in a world where interest rates are zero and global economic trade and growth are falling. But you know everyone else is doing that right now.   AL: Mark, is it a mistake to focus too much on the exogenous shock that caused this, rather than the fact that we're in this now and we have to deal with maybe some excesses that built up over the years? MY: Yeah, look, I think that's the great insight of all insights, right? Which is, everyone is focused on this shock and they're saying, oh, it's going to be temporal and it's going to go away. And look, I believe it. I believe the virus is a novel coronavirus. I don't think it's a bio-weapon. I think it will fade. I think it will disappear over one flu cycle the same way that, you know, other novel coronaviruses, like SARS or MERS, have faded away. So, I do think it will be a short-term shock. But to your point, which is again the great insight, it's not about the shock. It's about these epic bubbles that were created by a decade of abusive monetary and fiscal policy globally. And now, the day of reckoning is coming and you can't displace the entire global economic system. You can't lock everybody down for months and then expect it to just magically restart perfectly and go back to where you were. And, look, we've been conditioned over the past 10 years to buy every dip. And if you did, that worked out, because the Fed had your back. I think this time what we're going to find is the economic calamity on the other side overwhelms the opportunity for the Fed — through monetary policy or even a little bit of fiscal policy from the governments — to stimulate demand, because you can't fix a solvency problem with liquidity.   AL: Right. You know, I like the use of the word temporal. So this sort of is a temporal problem, in the sense that there's going to be a duration to it. And we're going to have to work our way through it. But to borrow a little bit from the “Star Trek” vernacular, Mark, they want a wormhole to, sort of, bypass this problem that we have. They did it in ’08. They did it, in my opinion, a few times since then, bypassing [it], sidestepping it, cheating in a way. They're obviously trying to do it again. How many times are they going to be able to do it? MY: Look, it's a really important question. And to your point, you know 2015, you know we started to have a normal cyclical recession on that seven-year cycle like we should have. And, you know, first quarter 2016. If you remember, the markets were collapsing down double digits in January, and then magically the first week of February, everything turned around. We had this cyclical rebound and that was because China pumped $4 trillion into the global economy and turned things around. And so that, like you say, is kind of cheating, in the sense that all you're really doing is pushing out the future day of reckoning by pulling forward economic growth in the form of incentivizing consumption today at the expense of tomorrow. And now, you look at car sales, for example. Car sales are collapsing globally. Why? Well, because we incent[iviz]ed people to pull those purchases forward by basically giving away free cars, right? No money down, no payments, no interest. Eventually you had to pay. But the real problem was that about 38% of car loans now have negative equity on the day they issue the loan. Think about that. You're trading in a clunker, you're financing more than 100% of value of the car and you're underwater on day one. So it's just a bad situation. Look, you can do that for some period of time and we've been doing it, as you mentioned, for years. And I think that day of reckoning is around the corner. I don't know if it's tomorrow because, look, the Fed, the Treasury, or the “Freasury” – like, you know, somebody said the other day, like Frankenstein — they've created this boomlet in expectations around the amount of capital that's going to seep into the economy. I think the problem is [that] most of that capital is going to go to retire debt, some of it's going to get saved, not as much of it's going to get spent, and old habits aren't going to return right away after people realize, huh, I got by with spending less, I got by with traveling less, I got by with eating out less. So that consumptive boom that we've been experiencing for the last couple decades, I think, is going to shift. And whether it's as big a shift as — remember the Depression-era babies? We had a whole generation [that thought] debt was evil, right? Saving was good and spending was bad. … When I bought my first house, my wife and I were young marrieds, [and] our next-door neighbor was an older couple. They still had the original pots and pans from when they got married 45 years ago. I think we'd only been married about four years and we were already on our third set of pots and pans, because, you know, they're disposable, right? So I think that shift generationally may occur here and the idea that we're going to get magically back to that consumption-fueled boom, I think, is a pipe dream.   AL: Yeah, good observation on the auto front. Looks like prices for autos are declining. Stocks are reflecting those declines. I want to talk about the banks now. Back in the last big crisis the Fed and the government bailed these guys out and it looked like it was a gift. But I always thought that maybe they were just fattening them up for Thanksgiving. And I wonder if Thanksgiving is here, because you look at [the] playbook that they're running. They're cutting the dividends. Wells Fargo, you know, EPS of 1 cent versus, what, 33. The stocks are down. They seem to be preparing for something bad and I'm wondering. I've had guests on here that said, look, this is the standard garden-variety recessionary playbook. This is the smart thing to do — that's exactly what it looks like on the surface. But I'm wondering if they're preparing for something more than that. That they're going to be marched out and asked to do things and they sort of already have, right? To do things that they don't want to do, that don't make sense from a, you know, orthodox banking point of view. What do you think the bank's role is going to be in the continued bailout of pretty much everything now?   MY: Yeah, like, again, lots to unpack there. And again, really, really important in good points. If you go back to, you know, the history of banking and fractional reserve banking, in particular. You know, it all kind of changed at two important points in U.S. history. One was 1913, with the creation of the Fed. Look, the Fed has one job: It's to enrich the bankers, right? The bankers own the Fed. The big banks and the big banking families around the world, they own the Fed. And that pays a dividend to them. And their job, if you look over history, is to bail out the banks when they're struggling and to enrich them over time. The second big change was 1971, when we went off the gold standard and we started this nominal inflation of things, of assets, that I talk about as the dictator playbook, right? If you're the dictator, you surround yourself with cronies and you get all the assets in the hands of the cronies. And then you devalue the currency. And that's exactly what happens around the world. If you look at primary dictatorships, that's what they do. A small number of people own all the assets. They devalue the currency. Those assets appreciate. The poor get really, really poor. The rich get really, really rich — in nominal terms, maybe not in absolute terms. And I think the same thing’s happening today. If you go back to 2008, as you said, what did they do, right? The banks back to 1994. We got rid of — shoot, I always forget the name of the bill — but we got rid of the famous bill that Clinton did away with. It separated. [The bill was] Glass-Steagall, sorry. It separated investment banking from traditional banking because original banking is guaranteed by the FDIC. And so, these banks got over levered — Lehman, Bear Stearns, Goldman Sachs, Morgan Stanley — and basically they were all done, right? They were all out of business. They were all bankrupt and it was because they had too much leverage for the process of fractional reserve banking. Fractional reserve banking works at maybe 10, 11, 12 times leveraged — not at 30, 40 times leveraged. So what’d we do? We bailed them out, we put together TARP and TALF and all the alphabet soup. And we bailed out the banks. But we actually didn't bail out the banks for any other reason than to keep that cabal in charge and [to] keep that dividend stream from the Fed going. Because what does the bank actually do? They borrow from the Fed. They buy Treasuries because the government is overspending and they have to issue Treasuries to fund that spending. And they arbitrage that and levered up 10, 11, 12 times. So last year, JPMorgan had zero losing trading days. Now, trading implies taking risks, so you can't have zero losing days. Well, they don't actually trade. They borrow from the Fed at really cheap prices, because, remember, you and I don't get to borrow at Fed Funds. Only the bank gets to borrow at Fed Funds. So keeping Fed Funds abnormally low for years was just re-liquifying the bank balance sheets. Ah, but here's the problem: ZIRP — zero interest rate policy — creates zombie banks and ultimately destroys the equity of the banks. Like look at Citi[group]. The stock in theory is like 42 bucks. Oh no, no, no, no, no, no, no. That's $4.20. They did a reverse ten-to-one split a few years ago to fake everybody out in thinking that the stock’s not down 90-some-odd percent. [This] goes back. During the crisis, they had to issue so much new stock at one point there were four shares of Citigroup for every man, woman and child on the surface of the planet. So they diluted the old shareholders. They, you know, enriched themselves, the management teams and the Fed — and the Ponzi keeps going. So we're in this Ponzi-financed period and it's going to be really tough to get out of it, because the way a Ponzi works is you have to take other people's new money to pay off the old shareholders. And if you think about banks, if we look at Japan, Japanese banks for 20 plus years have gone down, right? They’re down about 90-something percent. The same thing’s going to happen to the European banks, to the U.S. banks, because fractional reserve banking system doesn't work in a low-growth, no growth world, which is where we're headed because of bad demographics, too much debt and deflation. And those killer Ds — it's a long answer to your question, I apologize — but it's a really important question. The killer Ds — bad demographics, too many old people, too much debt, so you can't have highest rates because you couldn't service your debt and then deflation, which comes from technology and other things — all of that comes together to mean lower share prices for banks and an inability for them to jump start the growth of the global economy the way it has in the past.   AL: Great answer, Mark. It looks like, as many predicted, that these institutions are just becoming utilities or instruments of the state. Not the businesses that they once were. And they’re suffering. Wells [Fargo] is down 41% this year, [JP]Morgan's down 30[%], Bank of America also down over 30%. I wonder if part of what the bleak outlook for them is a possibility of negative interest rates, because Powell went out of his way to say, we're not doing that. Because, in my opinion, he was just afraid the market was going to price that in immediately like it does every other thing we know he's going to do. What do you think about the possibility of negative interest rates? MY: It's a certainty, absolute certainty. And again we know how this movie ends. We've seen it before. You know, I'd cue the Vapors song from the 80s; you know, we're “Turning Japanese.” I really think so. And look, Japan is 11 years ahead of the United States demographically, nine years ahead of Europe demographically. And if you look at everything that happens in Japan, fast forward nine years it happens in Europe, fast forward 11 years it happens in the U.S. So, you know, debt got downgraded, market peaked in 1989 in Japan. Market peaked in 2000 in the U.S. Debt got downgraded in 1996 in Japan, 2007 in the U.S. So the same thing happens 11 years later. And so, negative interest rates came to Japan, right? Remember the Bank of Japan, in 2007, said they were going to end QE, or what they call QQE; they call it Quantitative and Qualitative Easing. They were going to end QQE. At the time, the Bank of Japan owned 26% of GDP in Japan. Today, they are over 100% on their balance sheet. So we said 11 years later, we're going to end QE. But we're not. So we're at 22, 23% of GDP. Okay, Europe two years ago is at 22%; now they're at 40[%] we're going to 40. Then we're going to 80. Then we're going to 100. And it's all about, ultimately, a big debt jubilee, because once you get to 100%, once the Bank of Japan owns 100% of the Japanese government bonds, they can just write them off. And people say, oh, that could never happen; it'll crash the currency. No, the currency’s been crashing all along while you print new yen. You buy the bonds from the insurance companies and the pension funds. You put them in the Bank of Japan and then, ultimately, you're going to write them off. Same thing’s going to happen in Europe. Same thing is going to happen in the U.S. But all that does is it leads to more deflation, more negative interest rates. And look where Japan is: they've had negative interest rates for, you know, coming up on a decade. Europe has got negative interest rates. And if you plot an inverse of the number of 65-year-olds relative to total population, it tracks interest rates almost perfectly and it's forecasting negative interest rates in the United States, starting about 18 months from now and lasting for almost a decade.   AL: Mark, I'm seeing a level of desperation at the Fed that I've never seen before. And to your point, we have been following the Japanese trajectory. Is it safe to say that the Fed is going to be employing every tool that has a precedent, whether it's our own history from whatever, 1913, or what's being done by the Bank of Japan, or what's been done by the ECB? Is all of that on the table now? How confident can we say that? And would the correct speculative course of action in this case be to sell whatever the Fed is buying and to buy whatever we think or know the Fed is going to have to buy next?   MY: Yeah, now again, [that’s] a great point. The Fed has no choice, right? The Fed has to buy it all and, ultimately, they're going to continue to buy bonds, and rates will go negative. And so, that means bonds, that everybody's been predicting the end of the bond bull market for ten years. They're going to continue to be in a bull market. And long Treasuries have outperformed stocks for 20 years; they're outperforming again this year. They’ll likely outperform for the next decade. And most people don't have more long bonds than stocks. They have a lot of stocks. And, you know, the funny thing is everyone's rejoicing in this, you know, reflexive rebound off the bottom. Stocks are still down double digits for the year. Long bonds are up double digits. So very interesting and kind of tale of the tape when you look at the scoreboard. So the Fed has to continue to buy assets. You know, they're going to go down the credit spectrum in the sense that they said they're going to buy ETFs and now ETFs that hold junk bonds, which, again, is illegal right? It's against the Federal Reserve Act. And how they're doing it — which, I think, is horrendous — is they set up a special purpose vehicle with the Treasury. So they're skirting the law, right? They're breaking the law. Now, they're doing it, they think, in the best means possible. But they're still breaking the law. I should say not the best means, but the best intentions. They have best intentions. But the road to hell is paved with good intentions, so I think we're at a really precarious point where the cure is worse than the disease right? Locking down the global economy and shutting down global GDP because of a virus — that, like many other viruses, is going to be seasonal and will disappear after some period of time — doesn't make any sense. Buying every asset that isn't tied down and locking it up in Treasury doesn't make any sense. Bailing out companies that should fail by buying their high-yield bonds, that the market is telling you are worth less than par, doesn't make sense, right? We need the cleansing of capitalism to work and we got to get away from cronyism and bailouts. And, you know, this idea that we should bail out every industry to save jobs is ludicrous. That's what we have restructuring laws for. The jobs can be saved. It just means the equity gets wiped out and new owners with new, fresh capital come in and re-liquify the companies. It's worked every other time. It will work now if we let it. AL: So just to clarify, Mark, should we be moving out of our long bonds now and into equities, which seems like [an] inevitable item on the menu? MY: No, absolutely not. I'm definitely of the camp that, you know, sell the freaking rip. You know, the buy-the-dip days are over. Oh, but the last two weeks. Great. If you bought this dip perfectly and you owned nothing before, good for you. I don't think that's the case for anybody and I think the average person is down a lot. And the little money they're putting on the margin isn't going to fix their portfolio. Whereas if they would have been long Treasuries, they would have done much better. So I think you want to own gold, gold miners, Treasuries, cash, hedge funds, Bitcoin. All the uncorrelated assets are going to dramatically outperform over the next few years. AL: How far down are you willing to ride the yield on the long bond before you start to get nervous even if [you believe] we go negative? MY: Yeah, look, we're going negative. All rates in the developed world will be negative. Full stop, right? They are in most of the developed world already but they will be everywhere and ultimately even China will have negative rates. And so some of the best buys in the world are long bonds in China that still yield about 3%, because when it goes from 3 to 0 you make a lot of money.   AL: How much room do you leave for the fact that there's something that we're missing here, that there's some other trick that they're going to pull out of their sleeve and then that's going to send the equity market on another rip for, I don't know, five years? MY: Now look, I'm wrong all the time. People say [to me], you say things so forcefully. You know, what if you're wrong? I’m wrong all the time and it's changed my mind. So I am absolutely open to the idea that, as I missed 2009, I really didn't understand in 2009 how the Fed buying bonds would translate into higher stock prices. What I missed was that the banks would give more money to hedge funds to buy stocks. They give more money to individuals to buy stocks. They've actually put stocks on the balance sheet, which they weren't supposed to do. So I missed that. So, you know, the thing about mistakes, right, is that you're supposed to recognize, admit, learn, forget—RALF. And so I did learn from that experience. So I look at it this time and I said, okay, the Fed has pulled out not a bazooka but a tank and they're going to try everything to inflate equity prices. And I think that's fine. But at the end of the day, equity prices reflect earnings. And in 2009, we were able to reverse the slide in earnings and we had earnings recover pretty dramatically. I don't think earnings are going up anytime soon. In fact, I think they're going to go down quite dramatically. And [for] people who think that we're going to return to new normal, I think you're going to be disappointed. So until I see signs of economic growth and profit growth, I think that, you know, deflating the bubble one more time is likely to come in that fundamental drawdown in the bear market.   AL: Mark, before I let you go, I want to get your thoughts on some fireworks going on on Twitter. The founder of Social Capital on CNBC made a comment: Chamath Palihapitiya is his name. [He] made a comment that these bailouts are wrong. We should be letting investors — and he pointed out, specified hedge funds, in particular, but just forget about whom — investors should be absorbing this blow. Not regular people and holders of the currency and whatnot. Leon Cooperman took offense to that. I'm sure you've seen it. What do you think about this little debate?   MY: Look, I'm totally on Chamath’s side. I mean, it's absolutely ridiculous to socialize losses. If we don't allow risk capital to actually be risky, then we pervert capitalism. We pervert the capital asset pricing model, and everything that we believe about investing goes out the window. The way it's supposed to work is if you want no risk you leave your money in cash or bonds, right? If you want to take some risk, you can take credit risk. You can buy a risky bond, OK? The bond may not pay you back like a high-yield bond. You get paid a couple hundred basis points above risk-free for that. OK, if we take equity risk, we get paid 5% more, 7% above risk-free to take equity risk. That's why you get paid more, because it's a contingent claim. You should not get bailed out. And so, this idea that we need to save everyone is silly. There are cyclical threats to every business, and businesses that don't manage properly — like don't save for a rainy day, don't create a rainy day fund, they spend all their money on buybacks and financial engineering to enrich the management teams and pay dividends to Warren Buffett — those equities should be extinguished. And we should start over through restructuring. The bondholders become the new equity holders. The dip financiers become the new bondholders. And everybody moves forward. That's the way it's supposed to work and if you don't do that, if you socialize loss and you bail out every business just because they made a big campaign contribution to the administration, then you end up with socialism for the rich and capitalism for the poor. The income inequality and wealth inequality gap widens. And if you think about it, we just approved [$]6 trillion with a T — and remember, [$]1 trillion is a dollar a second for 31,710 years. We put 6 trillion dollars of stimulus out there. The average person is getting $1,200. Well, where did the other $58,000 go? That's [$]6 trillion divided by 330 million [people]. It's going to the fat cats and the people who contributed to campaign contributions or lobbying — as I like to say, formalized corruption or kleptocracy. So, if we don't allow the process to work, the whole idea of investing breaks down. And we're in for a very long, very sad tale of basically cash like returns, and inflation will chew that up and spit you out and you'll end up with less wealth and less income over time.   AL: Very interesting. Glad to hear that point of view even though it is a rare point of view. We are out of time, Mark. But thank you very much. I want people to know that they can find you at morgancreekcap.com and also on Twitter, where I love to follow you, @MarkYusko. A recent tweet you had about the coronavirus is this move against large gatherings [is] more than just about COVID-19. I can't wait to get together with you some other time and talk at length about these topics. So, thank you very much for joining me, Mark. I really appreciate it. MY: Thanks for having me on. I look forward to getting together next time I come see my daughter out in California.  

My No 2 in my favouritewmoives from 1956 - Somebody Up There Likes Me starring Paul Newman

Mum Talk is BACK for series 5, and I have so much to share with you. Firstly a huge thank you for all of your support since the beginning of Mum Talk! I am super excited to announce that Mum Talk series 5 is supported by Bugaboo. If you’re anything like me you’ll spend months researching for your perfect stroller, head over to bugaboo.com/mumtalk where you will find the perfect one to fit your lifestyle!  This weeks podcast is a huge Q & A and has been shaped by you and what you all wanted to know! Thank you for your questions and I hope chatting through what we have experienced across the different topics will be helpful.Topics include: Weaning  Relationships  Breastfeeding  Work/life balance - nursery etc. Sleep & Naps Bilingual language  A’s 10-12month check up Babes and dogs 1st Birthday pressi ideas - links below to our favourite gifts  Scandiborn Teepee - kindly sent to A for her birthday! My No.1 go to shop for everything baby. Baghera Plane Trihorse Wooden Marble Run HappyPie swing Bedtime Story Cushion Sarah & Bendrix And as always SO much more!  Once again a huge huge thank you to YOU for listening and to Bugaboo!  Tune in next week to go deep into parental mental health and relationships. Please do subscribe, rate and leave a review if you have time. I love hearing from you all so please get in touch, either DM me on mumtalkpodcast or email me at mumtalkpodcast@gmail.com Love Emma Xxx

Movie Review On The Waterfront 1954 My No 1 for that year

My No 1 Leadership Light: the ability to change perpectives. This leadership Skill is not only crucial when doing Business around the Globe. It should become à daily routine when Leading Others. And changing perpectives also might become a good friend when Leading Self. Listen to my Sugar Loaf experience ...

My Noël special Set 2016 #SunMixRadio Mi set especial para Navidad 2016 Enjoy!! Let's dance Bedroom Session Radio Show Special Show Mexico For Promo only booking & info: www.carlossabines.com.mx

This morning we talk deeply with Anthony B about the mainstream Dancehall and the reasons why Reggae bonds people worldwide as a pop-genre of the century. We agree with Anthony that reggae is like good slow cooked food and bonds people from many different cultures. Many don't get a chance to be an 'artist' and educate the world about Jamaica as the voice of the working class but he makes use of his 'instrument of influence' to make a significance social stance. Anthony B talks about his image in the public eye, how his current single, a lyrical love song, 'My Yes and My No'. In his song, 'Headline' we touch the topic how everybody wants to make the news, 'yet so many artists put out so many lyrics and content but don't take the time to listen and we know', because 'words to an artist is not a joke'. At the end you're gonna wanna hear the 'No bun fi bun' stance he takes in 'Statement' and salute our families in Ghana, Kenya and Gambia.   Sweet Jamaica My Yes and My No Full Anthony B Interview Headlines Statement Teaser   Sunsplash Mix Show is 10am-1pm (EST) Mornings on www.DaFlavaRadio.com/index.php Reggae + Dancehall + Interviews #Atlanta #TheGambia #RadioWestIndies #Connecticut sponsored by: Caribbean International Shipping Services CY Clothing Inc. • Startime Computers & www.JayForce.com