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A daily quote to inspire the mind, gratitude to warm the soul, and guided breathing to energize the body. Quote: "A good listener is not only popular everywhere, but after a while he gets to know something." - Wilson Mizner Gratitude: Mountains. Mountains provide us with beauty and recreation. Guided Breathing: Equal Breathing. Visit TheDailyRefresh.com to share your unique piece of gratitude which will be featured on an upcoming episode, and make sure to watch the tutorial of how to make The Daily Refresh part of your Alexa Flash Briefings! Call to action: If you're not listening to this on your Alexa, you should be! Visit TheDailyRefresh.com and click on the word Alexa in the Nav bar for a tutorial on making The Daily Refresh one of your Flash Briefings.
A daily quote to inspire the mind, gratitude to warm the soul, and guided breathing to energize the body. Quote: "Joy is not in things; it is in us." - Richard Wagner Gratitude: Wisdom that Comes with Age. Thankfully, we grow smarter over time. Guided Breathing: Equal Breathing. Visit TheDailyRefresh.com to share your unique piece of gratitude which will be featured on an upcoming episode, and make sure to watch the tutorial of how to make The Daily Refresh part of your Alexa Flash Briefings! Call to action: If you're not listening to this on your Alexa, you should be! Visit TheDailyRefresh.com and click on the word Alexa in the Nav bar for a tutorial on making The Daily Refresh one of your Flash Briefings.
A daily quote to inspire the mind, gratitude to warm the soul, and guided breathing to energize the body. Quote: "Living is a form of not being sure, not knowing what next or how. We guess. We may be wrong, but we take leap after leap in the dark." - Agnes de Mille Gratitude: Rainbows. Tears. Sometimes when there are no words to say, tears express how we feel for us. Guided Breathing: Equal Breathing. Visit TheDailyRefresh.com to share your unique piece of gratitude which will be featured on an upcoming episode, and make sure to watch the tutorial of how to make The Daily Refresh part of your Alexa Flash Briefings! Call to action: If there's something unique YOU are grateful for, let me know and I'll share it on an upcoming episode. Simply visit TheDailyRefresh.com and click the word 'Gratitude e' in the Nav bar!
Levi King is a self-taught entrepreneur with more than 20 years of experience starting, owning, and operating small businesses. He is CEO and co-founder of Nav, a credit health platform for small businesses. Top 3 Value Bombs 1. Success without happiness isn't success. Money alone cannot fill the gap. 2. Curiosity and reinvention keep entrepreneurs alive; comfort breeds stagnation. 3. Mental health is not optional; ignore it long enough and it will break. Visit NAV.com for tools to understand and improve your business credit and financial health - NAV Sponsors HighLevel - The ultimate all-in-one platform for entrepreneurs, marketers, coaches, and agencies. Learn more at HighLevelFire.com. Cape - Cape is a privacy-first mobile carrier, built from the ground up with security as the priority. Visit Cape.co/fire to sign up today.
A daily quote to inspire the mind, gratitude to warm the soul, and guided breathing to energize the body. Quote: "We act as though comfort and luxury were the chief requirements of life, when all that we need to make us happy is something to be enthusiastic about." - Charles Kingsley Gratitude: Art. The world would be less beautiful if art didn't exist. Guided Breathing: Equal Breathing. Visit TheDailyRefresh.com to share your unique piece of gratitude which will be featured on an upcoming episode, and make sure to watch the tutorial of how to make The Daily Refresh part of your Alexa Flash Briefings! Call to action: If you're not listening to this on your Alexa, you should be! Visit TheDailyRefresh.com and click on the word Alexa in the Nav bar for a tutorial on making The Daily Refresh one of your Flash Briefings.
A daily quote to inspire the mind, gratitude to warm the soul, and guided breathing to energize the body. Quote: "Courage is doing what you're afraid to do. There can be no courage unless you're scared." - Eddie Rickenbacker Gratitude: Books. Kindness of Strangers. Never take the kindness of a stranger for granted. Guided Breathing: Equal Breathing. Visit TheDailyRefresh.com to share your unique piece of gratitude which will be featured on an upcoming episode, and make sure to watch the tutorial of how to make The Daily Refresh part of your Alexa Flash Briefings! Call to action: If there's something unique YOU are grateful for, let me know and I'll share it on an upcoming episode. Simply visit TheDailyRefresh.com and click the word 'Gratitude e' in the Nav bar!
Jak doopravdy žít, a ne se na život jen připravovat?V tomhle díle se s Markem Orko Váchou pouštíme do hlubokého, ale velmi lidského rozhovoru o smyslu, odpovědnosti a o kráse.Dotýkáme se otázky, jestli je člověk bytost, která čeká na „něco po“, nebo jestli je jeho úkolem vzít vážně tenhle jediný, křehký, ale zároveň obrovský prostor, který se jmenuje teď.Dotýkáme se také:„těžkého problému vědomí“ a hranic neurovědyotázky, zda je prožívání výhradně lidská záležitostinteligence u zvířat, rostlin i možných forem života jinde ve vesmírupanpsychismu a myšlenky, že hmota sama má potenciál pro prožitekevolučních omezení, která vedou k podobným formám života napříč světemi toho, proč je úžas nad realitou možná základní filozofickou disciplínouToto je zkrácená verze (98 minut). Celý díl (128 minut) si můžeš pustit zde: https://podcasters.spotify.com/pod/show/brainweare/subscribePartnery dílu jsou: Fondee.cz - https://www.fondee.cz/ Unikátní platforma na investování v ČR, kterou sami používáme. Navštiv www.Fondee.cz a zadej kód "BWA" pro 3 měsíce investování zdarma! Začni třeba už s 1000,- // Investování se pojí s riziky. a AKADEMIE: Registruj se na naší Půlroční BWA Akademii 2026! Udělej letos něco jinak – Víc Informací ZDE.Minutáž:00:00 Dva hříchy proti naději a odmítnutí vlastní velikosti10:13 Lenst srdce - co to znamená16:10 Jak připravit "heliport" pro inspiraci a milost21:55 Na vyprávění příběhů záleží: Stáváme se tím, kým si myslíme, že jsme28:06 Cesta k Bohu jako sestup do vlastního nitra31:14 Je patologické nepřemýšlet o svém místě ve vesmíru?33:46 Ignorování vnitřního prožívání v biologii41:45 Vědomí u umělé inteligence vs. vědomí v hmotě44:26 Inteligence a chování rostlin47:14 Je inteligence a vědomí univerzální vlastností hmoty?53:23 Přehrání "pásky života": Gouldova náhoda vs. konvergentní evoluce01:00:27 Unikátní role člověka ve vesmíru (David Deutsch)01:05:22 Je náš osud vepsán ve hvězdách nebo v genech?01:09:32 Vliv prostředí na vinu a svědomí01:19:21 Záhada altruismu: Proč je na světě tolik dobra?01:24:57 Nutnost "přepočítat" si hodnoty a víru v dospělosti01:27:50 Život domácích hus vs. život kondorů: Hřích nežít svůj životPřechod do VIP - Přihlašte se a odemknete speciální obsah>>- Život není příprava na život, je to život samotný- Revoluce CRISPR: Co to je a jak funguje genetické stříhání- Etická dilemata: Kde je červená čára pro úpravu lidských embryí?- Chtěli bychom svět bez utrpení, ale i bez umění? (Příklad E. Muncha)- Rozdíl mezi technickou a morální nemožností- Problém eugeniky: Na co vlastně chceme šlechtit člověka?- Co je skutečné štěstí? (Lítosti umírajících a přijetí úkolu)
The How of Business - How to start, run & grow a small business.
Business credit is a critical but often misunderstood tool that can unlock financing, protect your personal credit, and strengthen your small business. Show Notes Page: https://www.thehowofbusiness.com/593-gerri-detweiler-business-credit/ Many small business owners assume business credit "just happens" once they form an LLC, but that's not how it works. In this episode, Henry Lopez is joined by Gerri Detweiler, one of the leading experts on small business credit, to break down how business credit really works and why it matters far earlier than most owners realize. They discuss how business credit affects financing, vendor relationships, and even potential partnerships, and why larger companies often check your business credit before working with you. Gerri explains the fundamentals of establishing business credit, including whether you should start as a sole proprietor or form an LLC, how credit reporting works, and why payment history is the most important factor in building strong business credit scores. She also shares practical strategies for getting started such as using net-30 vendors, business credit cards, and equipment financing, and how to avoid common mistakes that can quietly damage your credit profile. "Business credit doesn't build itself. You have to be intentional about it from day one," Gerri explains. Gerri Detweiler has spent more than 30 years helping people make sense of credit and financing, with a special focus on helping small business owners. As an Education Consultant for Nav, she guides entrepreneurs in building strong business credit and understanding how it can open doors for growth. Gerri has answered thousands of credit questions online, written or coauthored six books, including Finance Your Own Business: Get on the Financing Fast Track, and has been interviewed in thousands of media stories as a trusted credit expert. Through her widely syndicated articles, webinars for organizations like SCORE and Small Business Development Centers, as well as educational videos, she makes complex financial topics clear and practical, empowering business owners to take control of their credit and grow healthier companies. This episode is hosted by Henry Lopez. The How of Business podcast focuses on helping you start, run, grow and exit your small business. The How of Business is a top-rated podcast for small business owners and entrepreneurs. Find the best podcast, small business coaching, resources and trusted service partners for small business owners and entrepreneurs at our website https://TheHowOfBusiness.com
Kvůli komiksu Zelený Raoul se s nimi kdysi soudil Jiří Paroubek, kvůli karikatuře na obálce to stejné dělal Tomio Okamura. Přesto si z politiků utahují dál. „Nejlépe prodávají časopis,“ říká šéfredaktor Reflexu Martin Bartkovský.„Tomio Okamura je samozřejmě Pitomio a my všichni to můžeme říkat. Jak konstatoval soud, musí snést vyšší míru kritiky. Navíc to, kdy jako první věc ve funkci předsedy Sněmovny podrží štafle, aby někdo jiný sundal ukrajinskou vlajku, která se mu nelíbí, je podle mě krystalickou ukázkou chování někoho, komu by se dalo říkat Pitomio,“ vysvětluje Martin Bartkovský, šéfredaktor časopisu Reflex, který byl hostem nejnovějšího dílu podcastu Mediální cirkus.Právě vyobrazení Tomia Okamury jako klauna s nápisem Pitomio je asi nejslavnější obálka Reflexu. A to i díky následnému soudnímu sporu.Vyšla 7. listopadu 2012 v době, kdy se Okamura stal senátorem a pracoval na znásobení známosti svého jména tím, že kandidoval v prvních přímých prezidentských volbách. Po vydání karikatury dal Okamura na Reflex žalobu. Tu ale po mnohaleté soudní tahanici předloni definitivně prohrál.Na obálce fungují Babiš, Zeman a OkamuraČasopis Reflex vychází v Česku už 35 let a na výrazných titulních stranách si zakládá.„Fungují čeští politici. Byla doba, kdy vládl Andrej Babiš s Milošem Zemanem a do toho tam jako třetí vzadu pobíhal Tomio Okamura nebo komunisté, o které se vláda tehdy opírala. Tam stačilo kohokoliv z téhle vlády dát na obálku a hned tam prodeje byly. Dneska už to takhle není,“ říká šéfredaktor Bartkovský. „Filip Turek a jeho volební blitzkrieg v eurovolbách zafungoval velmi dobře. Motoristé fungují. I Andrej Babiš. Funguje i prezident Petr Pavel a vždycky funguje Volodymyr Zelenskyj. Stejně tak Vladimir Putin nebo Donald Trump, ale to jsou jediné zahraniční persony,“ popisuje Bartkovský taktiku při výrobě titulních stran.Vůbec nejúspěšnější titulní strany Reflexu za rok 2025 se ale nakonec politiky vůbec netýkaly. „Byly to obálky in memoriam našich dlouholetých spolupracovníků. Tím jedním byl psycholog Cyril Höschl a tím druhým byl šéf karlovarského filmového festivalu pan Jiří Bartoška,“ dodává Martin Bartkovský.Ten se šéfredaktorem Reflexu stal v prosinci 2023, po půl roce nejistoty ve vedení časopisu. Před ním ho řídil Marek Stoniš a časopis se často dostával na hranu kritiky za texty a titulky zavánějící někdy až xenofobií.„Kvůli obálce s černým Hitlerem chtěla odejít polovina redakce. Občas už jsme byli prostě zbytečně zlí. Vtipné je být vtipní, satiričtí, jízliví, ale když jste vyloženě zlí, a dávali to vědět i čtenáři, tak to vtipné není,“ říká Bartkovský a naráží na titulní stranu s portrétem Adolfa Hitlera coby černocha s monstrózním afro účesem, která vyšla v roce 2020.Babiš jako Slabiš. Nevíme, z koho si utahovat dřívS novou vládou je podle Bartkovského stále těžší si z ministrů dělat legraci, protože v redakci neví, koho karikovat dříve.„Je to vlastně bezprecedentní situace, kdy byste mohli každý týden udělat na každého člena vlády jednu obálku, tedy kromě těch členů SPD, kteří nic neříkají. Ale ti ostatní jsou velmi plodní,“ žertuje novinář s tím, že na obálce tento čtvrtek by chtěl mít Andreje Babiše. „Bude na té obálce jako Slabiš, bude se opírat o Macinku s Turkem a Okamurou a bude se snažit udělat Česko lepší, nejlepší zemí na této planetě,“ směje se Bartkovský.I humor má ale v Reflexu hranice.„Nemáme hranice v tom, z kterého politika si udělat legraci, ale nechceme si dělat legraci ze všedních lidí, obyčejných Čechů, z někoho, kdo se nemůže bránit. My si vždycky děláme legraci z lidí, kteří mají nějakou moc nebo mají pocit, že drží nějakou moc a my je chceme trošku uzemňovat,“ říká šéf oblíbeného časopisu.Co čeká od vlády Andreje Babiše? Co kabinet změní a dotáhne za příští čtyři roky? A jak se vlastně dostal do čela Reflexu?--Mediální cirkus. Podcast Marie Bastlové o dění na mediální scéně. Zajímá ji pohled do redakcí, za kulisy novinářské práce – s předními novináři i mediálními hráči.Sledujte na Seznam Zprávách, poslouchejte na Podcasty.cz a ve všech podcastových aplikacích.Archiv všech dílů najdete tady. Své postřehy, připomínky nebo tipy nám pište prostřednictvím sociálních sítí pod hashtagem #medialnicirkus nebo na e-mail: audio@sz.cz.
Episode 154 is a Taps & Tailgates reunion with host Mike, Jizzy and Nav. The episode runs through beer reviews (Bottle Logic Fuzzy Logic, Green Cheek's The Other Brian, Ism × Burgeon collab, Salty Bear Blonde, North Park triple and more), a lively beer trivia segment and rapid-fire opinions on West Coast vs. hazy styles. On the non-beer side the hosts react to NFL playoff drama (Bills heartbreak, Seahawks upset), preview the college national title (Indiana vs. Miami), talk pizza and party plans for the Natty, and share listener shout-outs and upcoming guest episodes. Expect long-form conversation, tasting notes, funny reunion stories, shout-outs to local breweries and what to look forward to on future Taproom episodes.
A daily quote to inspire the mind, gratitude to warm the soul, and guided breathing to energize the body. Quote: "I guess that's how death works. It doesn't matter if we're ready or not. It just happens." - Randy K. Milholland Gratitude: Clean Water. Many people on earth lack access to clean water. Guided Breathing: Equal Breathing. Visit TheDailyRefresh.com to share your unique piece of gratitude which will be featured on an upcoming episode, and make sure to watch the tutorial of how to make The Daily Refresh part of your Alexa Flash Briefings! Call to action: If you're not listening to this on your Alexa, you should be! Visit TheDailyRefresh.com and click on the word Alexa in the Nav bar for a tutorial on making The Daily Refresh one of your Flash Briefings.
Martin Pring, publisher of the InterMarket Review and chief investment strategist at Pring Turner Capital Group, says that "all measures of valuation ... are up in the stratosphere," which means the market is entering "a very dangerous period on a long-term basis." For now, however, Pring stressed that "trend trumps level," meaning that the valuations won't derail the market on their own, because the trend has remained to the upside. Still, he says that could happen soon, noting that the market has been climbing a big mountain during the current rally, but it is currently nearing "the death zone," where it runs out of oxygen. Ryan Kimmel, fixed income allocation strategist on the macro allocation team at DoubleLine, discusses the dilemma investors are in as the U.S. Bureau of Labor Statistics faces challenges in producing monthly employment figures, noting that the issues are more about declining survey participation than they are any sort of politicization of the numbers. Kimmel says lower response rates force the statisticians to rely on "imputed data," which then requires bigger, more dramatic revisions, which can reduce public trust in the numbers. He notes that the key number he is watching will be initial jobless claims; he currently pegs the probability of recession at 30 to 50 percent, but says it would go significantly higher if initial jobless claim trends shift higher. Stephen Davis, closed-end fund product specialist at Nuveen, says that price returns exceeded net asset value (NAV) gains for closed-end funds in 2025, which means that discounts were narrowed. With those thinner discounts, it could be hard for that trend to continue in the new year. Still, Davis sees potential opportunities in municipal bond and senior loan funds in 2026.
Interview with Richard Young, CEO, i-80 GoldOur previous interview: https://www.cruxinvestor.com/posts/i-80-gold-tsxiau-production-path-to-200000-ounces-8586Recording date: 16th January 2026Nevada-based i-80 Gold is executing an ambitious three-phase development plan to transform from a small producer into a mid-tier gold company, targeting production growth from under 50,000 ounces annually to over 600,000 ounces within six years. All five projects are brownfield developments at historic Nevada mines, offering reduced execution risk through existing permits and infrastructure.The company delivered five preliminary economic assessments in Q1 2025 and has raised approximately $300 million toward a targeted $900 million to $1 billion recapitalisation. Management expects to complete balance sheet restructuring by end of Q1 2026, which will enable full construction approval for the critical Lone Tree autoclave refurbishment project.The Lone Tree facility refurbishment represents a cornerstone investment, with total capital costs of approximately $430 million and completion scheduled for end of 2027. Once operational, the facility is projected to produce 200,000 ounces annually and generate $200-400 million in EBITDA at current gold prices. i-80 Gold will be one of only two companies operating an autoclave in Nevada.Project economics have improved substantially with higher gold prices. At $3,000 gold, the net asset value of the five projects was approximately $5 billion versus the company's current market capitalization of $1.3 billion fully diluted. At current gold prices above $4,600, NAV is estimated between $8-10 billion, with all-in sustaining costs averaging approximately $1,400 per ounce.The company has significantly strengthened its technical team and is advancing feasibility studies for multiple underground mines including Archimedes and Granite Creek. Management is also accelerating work on Mineral Point, the flagship asset capable of producing 300,000 ounces over a 17-year mine life, pulling development forward by approximately two years.Operating exclusively in Nevada provides advantages including world-class geology, skilled workforce, supportive regulatory environment, and the current macro environment featuring high gold prices without corresponding input cost inflation.Learn more: https://www.cruxinvestor.com/companies/i-80-goldSign up for Crux Investor: https://cruxinvestor.com
A daily quote to inspire the mind, gratitude to warm the soul, and guided breathing to energize the body. Quote: "Life is a great big canvas; throw all the paint on it you can." - Danny Kaye Gratitude: Cars. Without cars, it would take a lot longer to get our activities done. Guided Breathing: Equal Breathing. Visit TheDailyRefresh.com to share your unique piece of gratitude which will be featured on an upcoming episode, and make sure to watch the tutorial of how to make The Daily Refresh part of your Alexa Flash Briefings! Call to action: If there's something unique YOU are grateful for, let me know and I'll share it on an upcoming episode. Simply visit TheDailyRefresh.com and click the word 'Gratitude e' in the Nav bar!
Recording date: 12th January 2026Olive Resource Capital delivered exceptional performance in 2025, reporting a 151% return after all fees and expenses, significantly outperforming commodity benchmarks despite maintaining only 50% precious metals exposure. The fund's diversified approach across gold, copper, and other commodities demonstrated the value of strategic stock selection during a favorable commodity cycle.Executive Chairman Derek Macpherson and President & CEO Samuel Pelaez announced the results in their January 12, 2026 investment update, highlighting December's 11% gain that capped a strong fourth quarter. The impressive investment performance translated directly to shareholder value, with the stock price appreciating 240% during 2025. This helped compress the fund's discount to net asset value from approximately 40% at year-start to an estimated 60-70% by year-end, though meaningful upside remains if shares continue converging toward full NAV.Looking ahead to 2026, management expects increased merger and acquisition activity driven by record free cash flow generation at major producers. Gold prices averaged $4,100-4,300 per ounce in Q4 2025, approximately $500 above Q3 levels, creating substantial acquisition capital. The combination of elevated commodity prices and three consecutive years of declining oil costs has expanded operating margins significantly across the sector.Key portfolio holdings exemplify Olive's investment thesis. K92 Mining produced 47,000 ounces in 2025 at 8 grams per tonne while advancing multiple expansion phases with internal funding. Ivanhoe Mines announced full financing for its Platreef PGM project's phase two expansion, targeting 450,000 ounces by late 2027 en route to becoming the world's largest primary platinum group metals operation. Arizona Sonoran Copper is negotiating to terminate joint venture encumbrances, potentially clearing obstacles for strategic alternatives.Management identified a valuation gap between gold producers trading at 7-12 times earnings versus the S&P 500's 13-14 times multiple, suggesting room for continued sector appreciation as generalist investors recognize improving fundamentals and robust cash generation across commodity producers.Sign up for Crux Investor: https://cruxinvestor.com
Interview with Dan Noone, CEO of G2 Goldfields Inc.Our previous interview: https://www.cruxinvestor.com/posts/g2-goldfields-tsxgtwo-high-grade-gold-developer-targets-imminent-strategic-exit-7459Recording date: 7th January 2026G2 Goldfields represents a rare opportunity to invest in a first-quartile gold development asset trading at a substantial discount to fair value. The company's initial Preliminary Economic Assessment for the Oko project in Guyana has validated exceptional economics that position it among the highest-quality undeveloped gold deposits globally.The PEA outlines a 14-year mine producing 3.2 million ounces of gold with average annual production of 281,000 ounces. At $3,000 gold, the project delivers net present value of $2.6 billion, 39% internal rate of return, and 2.6-year payback against initial capital expenditure of $664 million. The capital intensity ratio of 3.9 substantially exceeds comparable projects and reflects the compounding advantages of high-grade resources averaging 3.2-3.3 grams per tonne with underground zones exceeding one ounce per tonne.What differentiates successful gold development stories from value traps is the pathway to systematic risk reduction. G2 has identified four key de-risking milestones for 2026: environmental permitting advancement, metallurgical confirmation, resource conversion drilling, and geotechnical studies. The permitting timeline of 24-30 months has been de-risked by neighbouring G Mining's 23-month experience at Oko West, whilst Guyana's improving regulatory framework reflects the country's economic diversification through offshore oil development.The 2026 drilling programme prioritises conversion of inferred resources to indicated category, focusing on early mine life production ounces and the high-grade underground zones that drive project economics. Management estimates approximately 70% of ounces reside in roughly 40% of the rock, highlighting the high-grade nature that makes resource definition particularly valuable.G2 currently trades at approximately 0.5 times net asset value compared to the historical average of 1.0 times NAV for first-quartile assets approaching development. This valuation gap represents quantifiable upside as de-risking milestones are achieved throughout 2026. Historical takeover premiums for first-quartile gold assets have averaged 1.7x NAV, creating additional acquisition potential from mid-tier and major producers seeking high-margin reserve replacement.The investment thesis strengthens considerably when considering current gold price dynamics. At $4,000 gold, project NPV increases to $4.2 billion with 54% IRR and two-year payback. With gold currently trading above $4,500 per ounce, supported by monetary policy uncertainty and geopolitical tensions, the project's economics substantially exceed the conservative base case assumptions.Management credibility is established through CEO Dan Noone's successful delivery of the Aurora mine in 2014 for $258 million, demonstrating capability to execute projects on budget in frontier jurisdictions. The team is augmenting technical capabilities with experienced mining engineers whilst engaging specialised consultants for detailed engineering and permitting work.Near-term catalysts include updated resource estimates and economics by year-end 2026, environmental permitting milestones within 12-15 months, and quarterly drill results. For investors seeking exposure to high-quality gold development with quantifiable valuation upside, proven de-risking pathway, and leverage to strong gold fundamentals, G2 Goldfields offers a compelling risk-reward proposition within the precious metals sector.View G2 Goldfields' company profile: https://www.cruxinvestor.com/companies/g2-goldfieldsSign up for Crux Investor: https://cruxinvestor.com
Die Krypto Show - Blockchain, Bitcoin und Kryptowährungen klar und einfach erklärt
Daily Snippet vom 13.01.2026 Wenn es für Aktionäre profitabler wäre, die Firma aufzulösen, als weiterzumachen, hat der CEO ein Problem. Genau da steht MicroStrategy gerade mit einem Discount von fast 20 % zum realen Bitcoin-Wert. Saylor sitzt in der Zwickmühle: Verkaufen kann er nicht, ohne den Markt zu crashen. Die Hintergründe zum „Märchen-NAV" liest du im Blog. Jetzt die Analyse anhören: —— Hier geht es zum Blog: https://www.julianhosp.com/de/blog/daily-snippet-13-01-2026 —— Folge mir für ehrliche Finanz-Einblicke! Montag bis Freitag: Dein persönliches Finanz-Audio. Kompakt, klar und mit den wichtigsten Marktinfos für deinen Vorsprung:
A daily quote to inspire the mind, gratitude to warm the soul, and guided breathing to energize the body. Quote: "The one thing more difficult than following a regimen is not imposing it on others." - Marcel Proust Gratitude: Breathing Fresh Air. Being able to step outside to breathe in fresh air is a good reminder how many little things we should be thankful for. Guided Breathing: Equal Breathing. Visit TheDailyRefresh.com to share your unique piece of gratitude which will be featured on an upcoming episode, and make sure to watch the tutorial of how to make The Daily Refresh part of your Alexa Flash Briefings! Call to action: If you're not listening to this on your Alexa, you should be! Visit TheDailyRefresh.com and click on the word Alexa in the Nav bar for a tutorial on making The Daily Refresh one of your Flash Briefings.
New leaders face a choice fast. Do you adapt to the organization you inherit, or reshape it around the way you lead?In this conversation, Amir sits down with Gian Perrone, engineering leader at Nav, to unpack how org design really works in the first 30 to 120 days, and how to drive change without spiking anxiety or losing trust.You will hear how Gian treats leadership as triage, why “listen and learn” is rarely passive, and what separates a thoughtful reorg from one that feels chaotic.Key takeawaysLeaders almost always arrive with hypotheses, the real work is testing them without rushing to force a playbookA reorg is not automatically bad, perception turns negative when the why is unclear and people feel unsafeOver communicating helps, but thinking out loud too often can create noise, a structured comms plan keeps change steadyA simple way to spot a collaborative culture is to disagree in the interview and see how they respondManagers are the front line in change, set clear expectations so teams hear a consistent story about what is changing and whyTimestamped highlights00:01 What Nav does, and the real question behind org design for new leaders01:59 Why “first 90 days” is usually triage, not passive observation04:14 The reorg stopwatch, and why structure reflects your worldview08:36 How to communicate change without destabilizing teams12:54 A practical interview move to test whether a company truly collaborates17:03 The manager layer, how Gian sets expectations so change lands wellA line worth repeating“If you arrive and something is on fire, you are going to fix it.”A few practical moves worth stealingWhen you are new, write down your hypotheses early, then use real signals to confirm or kill themFloat a change as a real idea first, gather feedback, then come back with details before you finalizeCreate a simple comms map of who hears what, when, and from whom, then follow itBe matter of fact about changes, teams often mirror the tone you setCall to actionIf this episode helped you think more clearly about leadership and org design, follow the show and share it with one operator who is navigating change right now.
A daily quote to inspire the mind, gratitude to warm the soul, and guided breathing to energize the body. Quote: "Good manners will open doors that the best education cannot." - Clarence Thomas Gratitude: Going to a wedding that's actually fun for everyone. Guided Breathing: Equal Breathing. Visit TheDailyRefresh.com to share your unique piece of gratitude which will be featured on an upcoming episode, and make sure to watch the tutorial of how to make The Daily Refresh part of your Alexa Flash Briefings! Call to action: If there's something unique YOU are grateful for, let me know and I'll share it on an upcoming episode. Simply visit TheDailyRefresh.com and click the word 'Gratitude e' in the Nav bar!
Shawn O'Malley and Daniel Mahncke break down Exor NV (ticker: EXO), a unique holding company that has acted as a vehicle for the family wealth of Fiat's founder, but now poses a compelling arbitrage opportunity, with Exor's stock trading at nearly a 60% discount to its net asset value. IN THIS EPISODE, YOU'LL LEARN: 00:00:00 – Intro 00:04:55 – How Ferrari became Exor's largest investment 00:06:16 – Whether Exor actually offers discounted exposure to companies like Ferrari, Stellantis, and CNH 00:16:48 – What markets Exor is focusing on most now 00:19:45 – Why Exor trades at such a discount to its NAV 00:42:02 – Why Exor trimmed part of its Ferrari stake 00:45:01 – Why Exor is unlikely to be forced to realize its NAV by outsiders 00:51:03 – Why Exor reclassified itself from an industrial conglomerate to an investment company 01:00:11 – How to think about modeling EXO's intrinsic value 01:09:24 – Whether Shawn and Daniel add EXO to their Intrinsic Value Portfolio *Disclaimer: Slight timestamp discrepancies may occur due to podcast platform differences. BOOKS AND RESOURCES The Investors Podcast Network is excited to debut a new community known as The Intrinsic Value Community for investors to learn, share ideas, network, and join calls with experts: Sign up for the waitlist(!) Sign up for The Intrinsic Value Newsletter. Shawn & Daniel use Fiscal.ai for every company they research — use their referral link to get started with a 15% discount! Learn how to join us in Omaha for the 2026 Berkshire Hathaway shareholder meeting. Check out the Interview with Exor's CEO, John Elkann. Check out the 2020 Value Investors Club pitch on Exor. Read the 2011 book on the Agnelli family history. Explore our previous Intrinsic Value breakdowns: Transdigm, Salesforce, Berkshire Hathaway, FICO, PayPal, Uber, Nike, Amazon, Airbnb, Alphabet. Related books mentioned in the podcast. Ad-free episodes on our Premium Feed. NEW TO THE SHOW? Follow our official social media accounts: X (Twitter) | LinkedIn | Instagram | Facebook | TikTok. Browse through all our episodes (complete with transcripts) here. Try Shawn's favorite tool for picking stock winners and managing our portfolios: TIP Finance. Enjoy exclusive perks from our favorite Apps and Services. Learn how to better start, manage, and grow your business with the best business podcasts. SPONSORS Support our free podcast by supporting our sponsors: Public.com - See the full disclaimer here. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://theinvestorspodcastnetwork.supportingcast.fm
A daily quote to inspire the mind, gratitude to warm the soul, and guided breathing to energize the body. Quote: "We're here for a reason. I believe a bit of the reason is to throw little torches out to lead people through the dark." - Whoopi Goldberg Gratitude: When the nail salon has the exact shade of polish you wanted. Guided Breathing: Equal Breathing. Visit TheDailyRefresh.com to share your unique piece of gratitude which will be featured on an upcoming episode, and make sure to watch the tutorial of how to make The Daily Refresh part of your Alexa Flash Briefings! Call to action: If you're not listening to this on your Alexa, you should be! Visit TheDailyRefresh.com and click on the word Alexa in the Nav bar for a tutorial on making The Daily Refresh one of your Flash Briefings.
John talks with Howard Pearl — CEO of CARS (Charitable Adult Rides & Services), longtime C-Suite executive with over three decades of leadership experience, Harvard Business School OPM alumnus, serial entrepreneur and turnaround specialist. CARS is a nonprofit organization that helps other nonprofits raise money by running vehicle donation programs for them. Listen to this episode to learn more: [00:00] - Intro [00:55] - Howard's bio and backstory [04:04] - Framework for building the right workplace culture [08:41] - Business success is all about relationships [10:56] - The mindset of people working in nonprofits [16:27] - How CARS works behind the scenes [19:35] - How Howard expanded CARS [21:33] - Knowing when it's time to train someone else and step aside [26:47] - How CARS operates differently from other nonprofits [27:19] - Running nonprofits like real businesses [30:02] - ISO-certified and NAV for transparency and trust [31:55] - The 80/20 cost-sharing model NOTABLE QUOTES: "Nobody works for me, because people do things for their own reasons, not for mine. So I have to understand what their reasons are." "You can teach anybody how to turn a machine on and off, but you need a great culture to make sure that that machine keeps running." "If cost is the reason that somebody comes to you, it's the exact reason they will leave you." "Trust can only be there if there's integrity. Integrity can only be there if there's respect by experience." "The real joy is in the act of giving, not the gift." "In order to be great in business, it actually starts at home. Because life and business are all about relationships. Anyone who thinks business is about money misses the mark." "If you can't grow, then you've got to go. Once you hit your limit, or once you're bored, or once you are no longer interested, you need to know it's time to train somebody and move on, and give somebody the opportunity to make it even bigger and better than you did." BOOK MENTIONED: The Gratitude Diaries by Janice Kaplan (https://a.co/d/fvZntwy) USEFUL RESOURCES: https://www.careasy.org/ https://www.linkedin.com/in/howardpearl/ https://www.linkedin.com/company/charitable-auto-resources/ https://www.instagram.com/cars_charitableadultrides/ https://www.facebook.com/howard.pearl https://www.facebook.com/carsorg/ https://x.com/charitableauto CONNECT WITH JOHN Website - https://iamjohnhulen.com LinkedIn - https://www.linkedin.com/in/johnhulen Instagram - https://www.instagram.com/johnhulen Facebook - https://www.facebook.com/johnhulen X - https://x.com/johnhulen YouTube - https://www.youtube.com/channel/UCLX_NchE8lisC4NL2GciIWA EPISODE CREDITS Intro and Outro music provided by Jeff Scheetz - https://jeffscheetz.com/
Někdejší vůdce liberální opozice proti komunistickému režimu, student Oxfordské univerzity díky stipendiu nadace finančníka George Sorose, politická naděje po neúspěšné vládě socialistů. A potom pionýr iliberální demokracie, autokrat, spojenec Vladimira Putina a obdivovatel Donalda Trumpa. To vše je maďarský premiér Viktor Orbán. Co způsobilo jeho politický obrat? To rozebírají v podcastu Na Východ! Josef Pazderka a Ondřej Soukup s Martinem Ehlem z Hospodářských novin.
A daily quote to inspire the mind, gratitude to warm the soul, and guided breathing to energize the body. Quote: "It's wonderful what we can do if we're always doing." - George Washington Gratitude: When you don't have your period on your birthday or some other really important event. Guided Breathing: Equal Breathing. Visit TheDailyRefresh.com to share your unique piece of gratitude which will be featured on an upcoming episode, and make sure to watch the tutorial of how to make The Daily Refresh part of your Alexa Flash Briefings! Call to action: If there's something unique YOU are grateful for, let me know and I'll share it on an upcoming episode. Simply visit TheDailyRefresh.com and click the word 'Gratitude e' in the Nav bar!
Gjennom julen og nyttår vil du få totalt 6 episoder av Paretopodden med det siste fra olje, offshore og shipping.I den femte episoden av Paretopodden "Julespesial 2025" deler Pareto Securities' aksjeanalytiker Helene Tingvold innsikt i fornybarsektoren og hvorfor det nå kan være et interessant tidspunkt for investorer. Til tross for et flatt år så langt i 2025, finnes det store forskjeller mellom selskapene, og renteutviklingen fortsetter å være en sentral driver for aksjeprisene på sektornivå.Helene forklarer hvorfor Bonheur skiller seg ut. Aksjen handler til en NAV-rabatt på rundt 35 % og det forventes høy verdiskaping i alle hovedsegmentene fremover. Med konservativ verdsettelse av både havvindinstallasjonenbåtene og cruise, som impliserer høy direkteavkastning, samtidig som havvindsprosjektet Codling på 1.3GW har forutsetninger for betydelig verdiskaping gjennom god prosjektøkonomi, ser hun potensial for at Bonheur bygger NAVen fremover. I tillegg har man sett historisk at rabatten til NAV har kommet ned etter perioder med god NAV avkastning.Lytt til episoden for å få bedre innsikt i hvordan verdsettelsen i fornybar-sektoren påvirkes av makroforhold og prosjektutvikling.Disclaimer:Pareto Securities' podkaster inneholder ikke profesjonell rådgivning, og skal ikke betraktes som investeringsrådgivning. Handel i verdipapirer medfører til enhver tid risiko, og historisk avkastning er ingen garanti for fremtidig avkastning. Pareto Securities er verken rettslig eller økonomisk ansvarlig for direkte eller indirekte tap, eller andre kostnader som måtte påløpe ved bruk av informasjon i denne podkasten.Se våre nettsider https://paretosec.com/our-firm/compliance/ for mer informasjon og full disclaimer. Hosted on Acast. See acast.com/privacy for more information.
My interview with Nic Roberts-Huntley, CEO and Co-Founder of Blueprint Finance. We explore whether DeFi infrastructure is mature enough for institutional adoption, where the biggest gaps still exist, and what needs to change for sustainable, institutional-grade returns in digital assets. - How close DeFi infrastructure really is to being institution-ready - The biggest gaps holding back adoption, from accounting to custody and NAV management - Why ETFs are not the same as true on-chain asset deployment - Whether regulation creates clarity or risks stifling innovation - Why capital efficiency, risk management, and insurance markets are critical for DeFi's next phase - What recent market volatility revealed about leverage, risk, and long-term sustainability Powered by Phoenix Group The full interview is also available on my YouTube channel: YouTube: https://bit.ly/44NPxPt
We blue ourselves for this third installment of James Cameron's Pandora odyssey "Avatar: Fire and Ash"! Can big Jim go the distance with a third Nav'i film or is it time to abandon ship? If you're enjoying the show, consider buying us a coffee, sending us an email or hitting us up on Letterboxd, Twitter(X), BlueSky or Instagram!You can catch our episodes early and ad free over on Nebula! Sign up with the link below. It really helps out the pod so we thank you in advance!https://go.nebula.tv/theonlypodcastaboutmoviesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Raidījumā Augstāk par zemi sasveicinos ar jums pēdējo reizi. Nākamgad raidījums vairs Latvijas Radio ēterā neskanēs, un tā ir mana izvēle. Turpināšu ar jums sasveicināties Starpbrīža kultūras afišā un arī raidījumā Kultūras rondo. Noslēguma raidījumā, par dažiem, raidījuma Augstāk par zemi 15 gadus ilgajā ceļā satiktajiem. -- Vilks ķer kazu. Tumsa ķer gaismu. Šis stāsts jo īpaši svarīgs ir Ziemassvētku laikā. Un mēs jau zinām kā tas beigsies. Vilks kazu saplosīs. Nav zināms kā, bet gaisma tomēr atgriezīsies. Tas ir mūžības rits. Kuram līdzās cilvēks savas izvēles izdara ik dienas. Un nekas jau nebeidzas. Beidzas tikai šis projekts: mēģinājums 15 gadus ik nedēļas pabūt kaut pusstundu Augstāk par zemi. Paldies Latvijas Radio 1 direktorei Inesei Matjušonokai, kura nenoraidīja autorraidījuma ideju, paldies Ģirtam Bišam par joprojām neapnikušo raidījuma džinglu, paldies Ingvildai Strautmanei par viņas balsi džinglā. Paldies šī raidījuma skaņu operatoriem – brāļiem Jānim un Valdim Raitumiem, vienmēr ir bijis prieks strādāt ar Aleksi Šaicanovu, arī šī raidījuma skaņu operatoram Rūdolfam Ozolam. Jo īpaši paldies visiem satiktajiem, un visiem klausītājiem. Atvados, līdz no jauna satiksimies!
In this special, end of year edition of the Money Makers Investment Trusts Podcast, Jonathan Davis, editor of the Investment Trusts Handbook and winner of the AIC Best Broadcast Journalist Award (2024 and 2025), is joined by four guests for their comments on the year just gone and the outlook for 2026. Those guests are Ben Conway, James Carthew, Anthony Leatham, and Max King These discussions were recorded between 12-18 December 2025. *** OUT NOW: The 2026 Investment Trusts Handbook *** Available to order from Harriman House: https://harriman-house.com/authors/jonathan-davis/the-investment-trusts-handbook-2026/9781804094358 The Investment Trusts Handbook 2026 is the ninth edition of the highly regarded annual handbook for anyone interested in investment trusts – often referred to as the City's best-kept secret, or the connoisseur's choice among investment funds. It is expertly edited by well-known author and professional investor Jonathan Davis, founder and editor of the Money Makers newsletter and podcast. The Investment Trusts Handbook 2026 is an independent educational publication, available through bookshops and extensively online. With articles by 30 different authors, including analysts, fund managers and investment writers, plus more than 80 pages of detailed data and analysis, the latest edition is an indispensable companion for anyone looking to invest in the investment trust sector. *** Section Timestamps: 0:00:24 - Looking back at 2025 0:04:37 - Investment Trusts Handbook 2026 0:05:32 - Ben Conway 0:13:49 - James Carthew 0:23:58 - A short break 0:25:04 - Anthony Leatham 0:36:31 - Max King 0:47:18 - Close If you enjoy the weekly podcast, why not also try the Money Makers Circle? This is a membership scheme that offers listeners to the podcast an opportunity, in return for a modest monthly or annual subscription, to receive additional premium content, including interviews, performance data, links to third party research, market/portfolio reviews and regular comments from the editor. A subscription costs £12 a month or £120 for one year. Our weekly subscriber email includes a comprehensive summary of all the latest news plus the week's biggest share price, NAV and discount movements. Subscribe and you will never miss any important developments from the sector. For more information please visit https://money-makers.co/circle. Membership helps to cover the cost of producing the weekly investment trust podcast, which will continue to be free for the foreseeable future. We are very grateful for your continued support and the enthusiastic response to our more than 310 podcasts since launch. You can find more information, including relevant disclosures, at www.money-makers.co. Please note that this podcast is provided for educational purposes only and nothing you hear should be considered as investment advice. Our podcasts are also available on the Association of Investment Companies website, www.theaic.co.uk. Produced by Ben Gamblin - www.bgprofessional.co.uk
A daily quote to inspire the mind, gratitude to warm the soul, and guided breathing to energize the body. Quote: "There are two ways of meeting difficulties: you alter the difficulties or you alter yourself meeting them." - Phyllis Bottome Gratitude: Genuine, heartwarming internet comments. Guided Breathing: Equal Breathing. Visit TheDailyRefresh.com to share your unique piece of gratitude which will be featured on an upcoming episode, and make sure to watch the tutorial of how to make The Daily Refresh part of your Alexa Flash Briefings! Call to action: If you're not listening to this on your Alexa, you should be! Visit TheDailyRefresh.com and click on the word Alexa in the Nav bar for a tutorial on making The Daily Refresh one of your Flash Briefings.
Introduction December 27th brings sudden urgency—just four days remain to implement critical year-end financial strategies that could save thousands in taxes, reduce portfolio risk, and position retirement accounts for 2025 success. Most people spend more time planning vacations than reviewing their largest asset: their retirement portfolio. But the market’s strong multi-year run has created hidden dangers in 401(k) accounts, particularly for those approaching retirement who haven’t rebalanced in years. In this episode of The Tom Dupree Show, Tom Dupree and Mike Johnson provide an essential year-end checklist covering portfolio drift, account consolidation, tax-smart charitable giving, target date fund dangers, and fraud protection as scam season intensifies. Portfolio Drift: The Silent Risk Multiplier What Five Years Did to Your 401(k) If you established a 60/40 portfolio (60% stocks, 40% bonds) five years ago and never rebalanced, you’re sitting on dramatically more risk than intended. “If you had a 60-40 split in 2020, today you’re at about 76% stocks if you’ve made no changes,” Mike Johnson explained. “And your account’s worth 20 or 30% more, so there’s more dollars at stake, at risk.” The drift problem: Stocks outperformed bonds over five years Your stock allocation grew from market gains Total account value increased substantially Risk exposure multiplied Example: $500,000 in 2020 (60% stocks = $300,000) is now $650,000 with 76% stocks = $494,000 in equities. Your stock exposure grew 65%. S&P 500 Concentration Risk “About 40% of the S&P 500 is allocated to tech and high multiple stocks,” Mike noted. “If it’s been on autopilot, now is as good a time as any to look at it critically.” Market Corrections Are Inevitable “On average, every year you have a 10% drop in the market. That’s just the cost of admission,” Mike explained. “We had one back in April—it was closer to 20%. You were looking at 40, 50% drops in some things.” “A lot of people have forgotten how—and even that they should—play defense, especially when you’re getting close to retirement,” Mike cautioned. Year-end action: Check your actual allocation today. If stocks exceed your risk tolerance, rebalance before December 31st. Account Consolidation: Simplify Now The Multiple Account Problem “People’s thinking is, if I have this account over here and this account over here, I’ve got more money,” Tom observed. “When they consolidate those accounts, every one of those five pieces put together as one is gonna get managed better.” Hidden Costs of Scattered Accounts “It’s really hard to track performance if you have multiple accounts,” Mike explained. “It’s much simpler, much more accountable when it’s all consolidated together.” Problems with scattered accounts: Impossible to track overall performance Multiple RMD calculations Complex tax reporting Higher fees (missing breakpoint discounts) Poor overall portfolio coordination Mike’s consolidation benefits: “Proper investment to reach your goals, performance tracking, tax reporting, tax planning, and possible discounts on fees.” Year-end action: List all retirement accounts—schedule consolidation to simplify 2025 RMDs and reduce fees. Tax-Smart Year-End Strategies Strategy 1: Gift Appreciated Stock “Let’s say you give $10,000 a year to charity. You can gift those appreciated shares of stock to the organization,” Mike explained. “You can put that money right back into your brokerage account and reinvest it. You could even repurchase the same stock.” The double benefit: Charitable deduction for full market value Avoid capital gains tax on appreciation Example: Stock purchased for $4,000, now worth $10,000. Gift it, avoid $6,000 capital gain, use the $10,000 cash to buy it back. Strategy 2: Qualified Charitable Distribution “If you’re of the age where you have required minimum distributions, you can do a qualified charitable distribution,” Mike explained. “If you gift the RMD straight to the charity, it never flows through as taxable income to you.” QCD advantages: Counts toward RMD requirement Reduces adjusted gross income Lowers Medicare premiums Reduces taxes on Social Security Works even if you don’t itemize Year-end deadline: Execute stock gifts or QCDs before December 31st to count for 2024 taxes. The In-Service Rollover: Plan Three Years Ahead Act at Age 59½—Even While Working “At 59 and a half, you can do what’s called an in-service rollover,” Mike explained. “Even if you’re still employed and working, you can move over the balance of your 401(k) to an IRA and invest it more specifically for your situation.” The Three-Year Retirement Transition “Let’s say you’re 59 and a half and planning on retiring at 62. You can do that rollover, get the funds invested into an income-producing portfolio,” Mike detailed. “While you’re working, that income just reinvests back in. But when you hit 62, that portfolio’s already in place, it’s already working, and literally it’s linked to your checking account.” Tom emphasized the benefit: “It makes the retirement process more comfortable because you’re not leaving work and at the same time coming in brand new, getting comfortable with our investment approach. You’ve planned for it.” The seamless transition: Portfolio established 2-3 years before retirement Dividends reinvest while still working At retirement, switch to income payout mode No adjustment period or uncertainty Year-end action: If age 59½+, investigate in-service rollover options. Target Date Funds: Hidden Dangers The Collective Investment Trust Problem “52% of the assets in target date funds—over $2 trillion—are now in collective investment trusts,” Mike reported. What makes CITs dangerous: “A collective investment trust—they’re not required to register with the SEC,” Mike explained. “They don’t have to report, as transparently, all the internal fees. And they’re allowed to hold more illiquid investments inside of them.” The Blue Rock Disaster “There was a private real estate fund—the Blue Rock Total Income Fund,” Mike detailed. “The net asset value when it was private was about $24 a share. They decided to go public. The fund closed the day it went public at $14.70.” Investor loss: 39% immediately when real market pricing was revealed. “The NAV was bogus. It was totally bogus,” Mike concluded. The Vanguard-TIAA Annuity Trap “Vanguard announced they’re partnering with TIAA, and the target date fund automatically enrolls the investor in an annuity,” Mike reported. “What they’re hoping is that these people that have been on autopilot for 40 years—they’re not gonna change from being on autopilot at year 41,” Mike explained. “It’s just gonna automatically roll into these annuities. This is a money grab to keep the assets locked in.” Why Dupree Financial Group Avoids Them “We don’t use target date funds. We don’t like what the target date fund does to the client’s return,” Tom stated. “It’s about having all your money in one spot the day you retire. That money doesn’t need to be in one spot. It needs to be growing and throwing off dividends.” Mike: “The target date’s all based on historical averages. It doesn’t take into account what’s going on in the market or your situation.” Year-end action: If in a target date fund, research what’s actually inside it before the “glide path” continues. Year-End Fraud Alert: Peak Scam Season The January-February Surge “This time last year, at the first of the year, was one of the biggest fraud pushes that we’ve seen,” Mike warned. “As we get close to the end of the year, be diligent and protect yourself.” Sophisticated Team Operations “These fraudsters are very convincing. They sound like us. They sound like an advisor,” Mike explained. “They’ll bring somebody onto the line. They’ll keep people on the line for three hours. They’ve gotten used to handling objections.” Real Client Losses “We heard two in a row from our clients—older women, same amount: $10,000 each,” Tom recounted. “One woman could afford it. The other one really couldn’t.” The Defense Strategy “The first line of defense is you, the client,” Mike stated. “If you have something that pops up on your screen—don’t click there. If somebody calls—call somebody. Call a trusted person. If you’re a client of ours, call us. But do not take action on any of these things.” Critical warning: “Do not verify within their ecosystem. They say, ‘We’ll let you verify,’ and then they transfer you. They’re all working together.” Tom’s advice: “Get off the phone or don’t click on things and get somebody that you trust to find out exactly what’s going on.” Year-end vigilance: Never click pop-ups, never transfer money based on calls, always verify independently. Your Year-End Action Plan Critical Tasks Before December 31st ✓ Check portfolio drift – Verify stock/bond allocation matches risk tolerance ✓ Rebalance if needed – Reduce risk before 2025 ✓ Execute charitable strategies – Gift stock or make QCD before deadline ✓ Consolidate accounts – Simplify RMDs and reduce fees ✓ Research in-service rollovers – If 59½+, investigate options ✓ Review target date funds – Understand holdings before glide path continues ✓ Increase fraud vigilance – Peak scam season protection Questions Before Year-End What’s my actual current allocation? How many retirement accounts do I have scattered? Am I missing tax-saving charitable strategies? Do I understand what’s in my target date fund? Am I 59½+ with rollover options available? The Bottom Line With days remaining in 2024, retirement investors face critical decisions affecting taxes, risk exposure, and 2025 positioning. Portfolio drift has likely pushed your stock allocation far beyond original intentions. Target date funds may contain illiquid investments, opaque fees, and automatic annuitization. But opportunities exist: tax-smart giving, consolidation, in-service rollovers, and rebalancing. “All of these things fit into more of a holistic long-term retirement financial plan,” Mike concluded. “You want everything moving in the right direction to accomplish your goals.” Schedule Your Portfolio Review Is your portfolio drifted into dangerous territory? Missing tax-saving strategies? Approaching retirement without a transition plan? Call (859) 233-0400 or schedule your complimentary portfolio review. Dupree Financial Group – Where we make your money work for you. Important Disclosures Dupree Financial Group is a registered investment advisor with the U.S. Securities and Exchange Commission (SEC). This content is for informational purposes only and does not constitute investment advice, tax advice, or a solicitation. Past performance does not indicate future results. All investments involve risk, including potential loss of principal. Tax strategies should be reviewed with a qualified tax professional. Before making investment or tax decisions, consult qualified professionals. For more information, review our Form ADV Part 2A at www.adviserinfo.sec.gov or call (859) 233-0400. The post Year-End Financial Planning Checklist: Critical Actions Before December 31st appeared first on Dupree Financial.
A daily quote to inspire the mind, gratitude to warm the soul, and guided breathing to energize the body. Quote: "Let the ideas clash but not the hearts." - C. C. Metha Gratitude: The existence of clementines. Guided Breathing: Equal Breathing. Visit TheDailyRefresh.com to share your unique piece of gratitude which will be featured on an upcoming episode, and make sure to watch the tutorial of how to make The Daily Refresh part of your Alexa Flash Briefings! Call to action: If there's something unique YOU are grateful for, let me know and I'll share it on an upcoming episode. Simply visit TheDailyRefresh.com and click the word 'Gratitude e' in the Nav bar!
V této epizodě jdeme pod povrch úspěchu, výkonu a podnikání. Lubo Šmíd otevřeně popisuje cestu od budování mezinárodní firmy přes extrémní pracovní tempo až k momentu, kdy tělo řeklo dost - a přinutilo ho přehodnotit celý životní styl.Bavíme se o tom, co znamená skutečná svoboda v podnikání: ne jako romantická představa, ale jako kombinace absolutní volnosti a extrémní zodpovědnosti. O tom, jak se rodí vnitřní stabilita, když firma roste, svět se zrychluje a tlak nepolevuje.Velká část rozhovoru míří do psychologie stresu, rozhodování a zdraví:jak dlouhodobý kortizol tiše rozkládá tělo, proč spánek není slabost, ale strategie, a jak se dá mentálně pracovat s nejhoršími scénáři tak, aby tě neparalyzovaly, ale uklidňovaly.Dotýkáme se i světa technologií, seznamovacích aplikací, party kultury, cirkadiánního rytmu a iluze, že výkon lze donekonečna oddělovat od těla.Tenhle díl není o biohackingu ani o rychlých tipech.Je o dlouhodobé udržitelnosti mysli, byznysu i zdraví s Lubo ŠmídemParťáci dnešní epizody jsou:Magniflex.czMáme velkou radost, že jsme narazili na celosvětově patentované velmi kvalitní matrace od italské značky Magniflex. Magniflex je dělají z těch nejkvalitnějších materiálů a spolupracují s odborníky na biomechaniku a lékaři. Navíc mají nadstandartně dlouhou záruku proti proležení a to až 12 let. Já mám konkrétně matraci magnistretch s patentovanou technologií, která dokáže tělo při tlaku na ní trošičku protahovat a nemůžu si jí vynachválit. Tak jdi na Magniflex.cz a udělej další krok ke kvalitnějšímu spánku a zdraví s Magniflexem.Uplife.cz -Zadej kód "BWA" pro slevu 10% na vybrané zboží na eshopu https://www.uplife.cz/brain-we-are/Kam dále?Kup si jeden z našich online kurzů Průvodce Mozkem a Myslí, nebo Mentální Modely a s kódem "BWA30" je tam SLEVA 30%!Zadej kód "BWA" pro slevu 10% na vybrané zboží na eshopu uplife.cz a herbal-store.cz Sledujte Brain We Are na sociálních sítích: Instagram ( www.instagram.com/brain_we_are ) nebo Facebook Minutáž:00:00 Úvod a představení Hosta05:52 Vliv dětství a role model rodičů v podnikání07:57 Hodnota svobody a extrémní zodpovědnost11:41 Jak do sebe zapadly čtyři odlišné povahy zakladatelů STRV15:00 Čemu se věnuje STRV a spolupráce se světovými brandy19:32 Éra Tinderu a pohled do zákulisí online seznamek27:12 Trend návratu k seznamování ve fyzickém světě29:27 Nejtěžší momenty v byznysu a spánek jako super síla33:19 Diagnóza cukrovky a okamžitý restart životního stylu38:54 Mentální stabilita a technika negativní vizualizace46:29 Co dokáže rozhodit stabilní mysl? Alergie na neférovost49:07 Síla pozitivního myšlení a nastavení filtru reality01:04:08 Workshop s Jocko Willinkem a princip Extreme Ownership01:07:44 Bryan Johnson a kontroverze hnutí Blueprint01:14:28 Dopad AI na společnost a prodlužování délky života01:19:41 Myšlenka na závěr: Motivace k prvnímu krokuPřechod do VIP části- Nový sen: Cesta k roli vrcholového sportovce- Co je HYROX a proč se stal globálním fenoménem- Enhanced Games: Experimentování s lidskými limity- Autonomní budoucnost a zkušenosti z Waymo a Tesly- Elon Musk: Od politiky zpět k vizím o Marsu- Tesla Master Plan a roboti v naší společnosti
Polský prezident Karol Nawrocki je ve funkci už přes čtyři měsíce a dosud si nenašel čas na cestu na Ukrajinu. Navštívil už třináct zemí, začal hned v USA, vzápětí jel do Říma a do Vatikánu i ke všem sousedům. Na Ukrajinu ale nikoli. To je výrazný diplomatický truc. Bývá přeci zvykem, že nově zvolený politik se jede představit, nikoli naopak.
Televizní program i streamovací platformy ovládly pohádky a vánoční rodinné filmy. Navíc se blíží vysílání většinou ostře sledované štědrovečerní pohádky na České televizi. Jaké máme od tvorby dětských pohádek očekávání? Je tvroba pro děti vnímána jako tvorba pro ženy? A proč je dobré reflektovat v pohádkách i aktuální společenské problémy?Do podcastu MDŽ tentokrát přijala pozvání divadlení autorka a režisérka Janka Ryšánek Schmiedtová a filmová publicistka Kristina Roháčková.Článek a další informace najdete na webu Seznam ZprávySledujte nás na sociálních sítích X, Instagram, Threads nebo Bluesky. Náměty a připomínky nám můžete psát na e-mail zaminutusest@sz.cz
V první části Vertikály uslyšíte novinky ze světa náboženství. Na Vánoce se připravují i potomci českých přistěhovalců do USA. Podíváme se tam. Ve stínu útoku v Sydney slaví Chanuku i židovská komunita v Česku. Obědy pro chudé připravuje na několika místech republiky komunita Sant'Egidio. Moderuje Naděžda Hávová.
A daily quote to inspire the mind, gratitude to warm the soul, and guided breathing to energize the body. Quote: "It is not good to know more unless we do more with what we already know." - R.K. Bergethon Gratitude: A really kick ass and accurate horoscope. Guided Breathing: Equal Breathing. Visit TheDailyRefresh.com to share your unique piece of gratitude which will be featured on an upcoming episode, and make sure to watch the tutorial of how to make The Daily Refresh part of your Alexa Flash Briefings! Call to action: If you're not listening to this on your Alexa, you should be! Visit TheDailyRefresh.com and click on the word Alexa in the Nav bar for a tutorial on making The Daily Refresh one of your Flash Briefings.
„Máločím jsem si mohl být v Rusku 90. let tak jistý, jako tím, že cestou na Sibiř vždy potkám několik Ježíšů Kristů a několik Marií, které tam jedou Ježíše Krista porodit,“ říká v podcastu Na Východ! fotograf Stanislav Krupař. V chaotické době po pádu Sovětského svazu se totiž Rusové vraceli nejen k pravoslavné církvi, ale v rychle se měnícím světě hledali útočiště i v nových náboženských hnutích. Základem většiny z nich bylo očekávání apokalypsy.
Keillen Ndlovu, independent property analyst, on another standout year for the local Reit market. Discounts to NAV have narrowed – but are the yields still compelling for investors? Harris Gorre of Grovepoint Investment Management on US private credit: a noisy yet resilient year for middle-market direct lending, where volatility unlocked opportunity and borrowers benefited from easing rates and stronger earnings.
A daily quote to inspire the mind, gratitude to warm the soul, and guided breathing to energize the body. Quote: "An expert is someone who knows some of the worst mistakes, which can be made, in a very narrow field." - Niels Bohr Gratitude: The old guy on your block who tells you how nice you look all the time. Guided Breathing: Equal Breathing. Visit TheDailyRefresh.com to share your unique piece of gratitude which will be featured on an upcoming episode, and make sure to watch the tutorial of how to make The Daily Refresh part of your Alexa Flash Briefings! Call to action: If there's something unique YOU are grateful for, let me know and I'll share it on an upcoming episode. Simply visit TheDailyRefresh.com and click the word 'Gratitude e' in the Nav bar!
Plukovnice lidských duší – Od Afghánistánu až k odolnosti společnosti. Jak to vypadá ve válečné zóně? S čím se vojáci musí potýkat? A jak si můžeme budovat každodenní odolnost? Dnes se bavíme s Helenou Sovákovou - hlavní psycholožkou Armády České republiky. Helena ukazuje, že odvaha není absence strachu, ale schopnost mysli vrátit se z pudové reakce do racionální roviny. Že hodnoty nejsou slova na zdi firmy, ale konkrétní chování v momentech, kdy jde do tuhého. A že i v místech největšího nebezpečí může vzniknout největší smysl, soudržnost a lidskost.Co je to morální trauma? Proč vybalovat svůj "batoh emocí"? Jaké to je poprvé přistát ve válečné zóně? Jak komunikovat o náročných situacích? To vše a mnohem víc. Příjemný poslech. Parťáci dnešního dílu:Magniflex.czMáme velkou radost, že jsme narazili na celosvětově patentované velmi kvalitní matrace od italské značky Magniflex. Magniflex je dělají z těch nejkvalitnějších materiálů a spolupracují s odborníky na biomechaniku a lékaři. Navíc mají nadstandartně dlouhou záruku proti proležení a to až 12 let. Já mám konkrétně matraci magnistretch s patentovanou technologií, která dokáže tělo při tlaku na ní trošičku protahovat a nemůžu si jí vynachválit. Tak jdi na Magniflex.cz a udělej další krok ke kvalitnějšímu spánku a zdraví s Magniflexem.KusKakaa - www.kuskakaa.cz Přináší do Česka čistá ceremoniální kakaa. A proč si takové kakao dopřát? Ukazuje se, že přináší celou řadu benefitů a má velký obsah flavonoidů a polyfenolů. Tak jdi na www.kuskakaa.cz a zkus jedno z jejich kvalitních kakaí! Doporučujeme to z Kostariky, nebo Peru.Uplife.cz -Zadej kód "BWA" pro slevu 10% na vybrané zboží na eshopu https://www.uplife.cz/brain-we-are/Kam dále?Kup si jeden z našich online kurzů Průvodce Mozkem a Myslí, nebo Mentální Modely a s kódem "BWA30" je tam SLEVA 30%!Zadej kód "BWA" pro slevu 10% na vybrané zboží na eshopu uplife.cz a herbal-store.cz Sledujte Brain We Are na sociálních sítích: Instagram ( www.instagram.com/brain_we_are ) nebo Facebook Minutáž:00:00 Úvod a přivítání03:57 Slzy nejsou slabost: Emoce v armádě06:00 Mají muži právo plakat?08:13 Zlomové momenty a rok 198911:38 Jak vznikají hodnoty a proč chybí ve školách16:27 Hodnoty v armádě: Odvaha, respekt a kartička v kabelce22:12 Hodnotový kompas a zpětná vazba24:32 Absence ocenění a vděčnosti ve společnosti27:37 Přílet do Iráku a první kontakt s realitou války31:34 PTSD a život se „zataženou ruční brzdou“33:24 Život na základně pod palbou raket38:50 Budování normálnosti ve válce: Hřiště, knihovna a jídlo43:16 Pouto vzniklé v extrémních podmínkách50:22 Morální zranění a trauma novinářů53:54 Jak nevyhořet: 4 pilíře odolnosti58:48 Kam chodí pro pomoc psycholog?01:00:39 Osobní zkušenost se šikanou od nadřízeného01:06:49 Batoh emocí: Co si neseme na zádech a jak to vybalit01:10:06 Naučená bezmoc a proč lidé mlčí01:14:11 Uvědomění si smrtelnosti a dopisy na rozloučenou01:17:34 Jak mluvit s dětmi o sm*ti01:21:33 Nešvary v komunikaci: Skákání do řeči a bagatelizace01:29:13 Pětka ve škole jako příležitost, ne selhání01:31:06 Umění naslouchat bez přebírání emocí01:39:00 Chybí nám jako společnosti odolnost?01:42:26 Morální dilema pomoci vs. bezpečnostiPřechod do VIP části- Vzory a hrdinové: Proč nám chybí?- Vytrácející se rituály a úcta k veteránům- Humor jako koření života a obrana mysli- KPZ pro duši a síla naděje- Příběh rukojmí v Angole: Kdo přežil a proč
If you're a brick-and-mortar business owner who avoids credit cards, feels unsure about financing, or worries about taking on debt — this episode is going to challenge (and empower) you in the best way.Today on the podcast, I'm joined by Gerri Detweiler, a nationally recognized credit and financing expert with nearly 30 years of experience helping business owners understand their options, protect their credit, and fund their growth wisely.In our conversation, we break down:The biggest myth about business credit that holds owners backThe true difference between personal credit vs. business creditWhen a business owner should stop relying only on personal creditWhere brick-and-mortar businesses most often make costly credit mistakes with leases, equipment, and hiringHow to determine if financing is a smart growth move — or a risky oneSurprising financing options many small business owners overlookAnd the systems every brick-and-mortar business should have in place before they ever need fundingWe also dive into the role of charge cards (business credit cards) in building strong business credit — even for owners who are afraid of debt — and how to use platforms like Nav to understand your credit profile and funding options before you ever apply.By the end of this episode, you'll walk away with: ✔ A clearer understanding of how business credit actually works ✔ More confidence around financing decisions ✔ And practical next steps to protect and strengthen your business financiallyIf you're building a local business and want long-term stability, this conversation is essential listening.A little about our guest: Gerri Detweiler is a nationally recognized credit and financing expert with nearly 30 years of experience. As a consultant for Nav, she develops programs and content to help small business owners build credit, track cash flow, and understand financing options. She has written six books and her work has appeared in Yahoo!, MSN Money, ABCNews.com, CBSNews.com, NBCNews.com, The Today Show, and more. Gerri has been interviewed for over 4,500 news stories, featured in The New York Times, USA Today, and Reader's Digest, and appeared on Fox Business, CNN, and other national programs. She is also a frequent speaker at business conferences, works closely with SCORE and Small Business Development Centers, and has testified before Congress as an advocate for credit protections.SOCIAL MEDIA LINKS:Website: www.gerridetweiler.com LinkedIn:https://www.linkedin.com/in/gerridetweiler Instagram:@navsmb Enjoy this episode and make sure you check out the referral page of my website to grab the all year long deals that they offer!Love today's podcast?
A daily quote to inspire the mind, gratitude to warm the soul, and guided breathing to energize the body. Quote: "The man who makes no mistakes does not usually make anything" - Theodore Roosevelt Gratitude: Books that are so good you literally cry when they're over. Guided Breathing: Equal Breathing. Visit TheDailyRefresh.com to share your unique piece of gratitude which will be featured on an upcoming episode, and make sure to watch the tutorial of how to make The Daily Refresh part of your Alexa Flash Briefings! Call to action: If you're not listening to this on your Alexa, you should be! Visit TheDailyRefresh.com and click on the word Alexa in the Nav bar for a tutorial on making The Daily Refresh one of your Flash Briefings.
A daily quote to inspire the mind, gratitude to warm the soul, and guided breathing to energize the body. Quote: "Four things come not back. The spoken word, the sped arrow, the past life, ad the neglected opportunity." - Proverb Gratitude: Baristas who have your extra hot soy mocha order memorized. Guided Breathing: Equal Breathing. Visit TheDailyRefresh.com to share your unique piece of gratitude which will be featured on an upcoming episode, and make sure to watch the tutorial of how to make The Daily Refresh part of your Alexa Flash Briefings! Call to action: If there's something unique YOU are grateful for, let me know and I'll share it on an upcoming episode. Simply visit TheDailyRefresh.com and click the word 'Gratitude e' in the Nav bar!
Gerri Detweiler is a leading, nationally recognized financing and credit expert, with more than 20 years of experience. Gerri shares her knowledge through contributed content in leading industry and national publications, and her articles have been featured on Yahoo!, MSN Money, ABCNews.com, CBSNews.com, NBCNews.com, Forbes, The Today Show website and many others She is the author of seven books including her forthcoming book, The Ultimate Credit Repair Action Plan: A step-by-step guide to great credit to be released in late 2025. Gerri hosted her own talk radio programs for more than five years and she has been interviewed for more than 5,000 news stories. She is an international speaker and has testified before Congress on consumer credit legislation. Today, Gerri develops educational programs and content for small business owners for Nav, a financial health and credit platform that provides small businesses owners a dedicated space for accessing, building, managing their business and personal credit, tracking cash flow patterns, and understanding their financing options before they apply. During the show we discuss: Why business credit feels confusing—and how to simplify it What business credit is and why it's critical for small business success How monitoring business credit across all three bureaus supports smarter decisions How quickly business credit scores can improve with tradeline reporting Why tracking business and personal credit together matters What tradelines are and how they strengthen business credit profiles The funding options unlocked by strong business credit How Nav matches businesses with the right financing opportunities Why cash flow tracking is essential to financial health How strong business credit increases loan approval odds The common mistakes that limit business credit growth How to find and fix errors on business credit reports What sets Nav's credit monitoring and reporting apart How business credit separates—and protects—personal finances Resources: https://www.nav.com/gerri/
In this special double-feature episode of Bits + Bips, Unchained executive editor Steve Ehrlich brings listeners two of the clearest investor perspectives on where the crypto markets may be headed next. First, Owen Lau, Managing Director at Clear Street, breaks down why crypto equities remain so tightly correlated to Bitcoin—and what might finally cause that link to break. He unpacks the growing role of stablecoin revenue, Coinbase and Circle's evolving business models, and why a market structure bill in 2026 could reshape the sector. Then, in the second half, Bob Diamond and David Schamis of Hyperliquid Strategies explain why they believe Hyperliquid and its HYPE token represent one of the most compelling opportunities in digital assets. They walk through the rationale for their DAT, Hyperliquid's performance during extreme market volatility, and the broader ecosystem being built through HIP-3 and beyond. Sponsors: Mantle Host: Steve Ehrlich, Executive Editor at Unchained Guests: Owen Lau, Managing Director at Clear Street Bob Diamond, Founding Partner and CEO of Atlas Merchant Capital David Schamis, Founding Partner and CIO of Atlas Merchant Capital Timestamps: 0:00 Introduction 1:23 Owen's outlook on crypto stocks—and what really drives them today 5:19 Why Coinbase's stock is struggling while revenue goes up 7:47 Why so many crypto companies are spending heavily to expand distribution 10:58 Whether the 10/10 crash changed how analysts evaluate public crypto companies 14:41 Will public crypto companies enter prediction markets next? 17:02 How Coinbase and Circle are positioning themselves in this emerging area 23:00 What Citadel Securities' push for SEC regulation of DeFi means for the industry 24:55 How a market structure bill could reshape the outlook for altcoins 27:03 Would a public crypto company buy a DAT trading below its NAV? 28:59 Has the window for crypto IPOs already closed? Part 2 32:57 How David and Bob first got into crypto 38:57 Why a DAT for Hyperliquid is necessary 42:40 Why they say their stock is a major opportunity right now 45:55 How running an altcoin DAT differs from doing one for ETH or BTC 48:54 How the DAT deal was structured—and Paradigm's role 51:38 How they're avoiding the big sell-offs typical in PIPE deals 53:11 Why there was a gap between announcing the DAT and executing it 55:14 Why Sonnet Therapeutics will remain operational post-transaction 57:51 Why the 10/10 liquidation event made Bob more confident in Hyperliquid 1:04:19 The broader Hyperliquid ecosystem—far beyond the DEX 1:06:42 Why David says perps are far better products than options 1:10:12 Why regulatory clarity is critical for Hyperliquid's long-term success 1:13:37 What HIP-3 unlocks for builders building around perps 1:14:46 How prediction markets could integrate with perpetuals 1:15:49 How Hyperliquid can compete with major exchanges and crypto giants 1:21:18 Why Hyperliquid's feed is so much faster than other chains 1:22:28 The $1 billion shelf offering—and how they plan to accumulate more HYPE Learn more about your ad choices. Visit megaphone.fm/adchoices
Welcome to The Chopping Block — where Haseeb Qureshi, Tom Schmidt, Tarun Chitra, and Robert Leshner cover crypto's biggest moments. This week we're joined by Kevin from the Monad Foundation as we dig into the most chaotic token launch of the year. Monad goes live, CT explodes, and the tokenomics wars come roaring back — vesting, float, FDV, and why everything “just keeps going down.” We break down whether the world actually needs another L1, how hype creates impossible expectations, and how Kevin and the Monad team are handling the spotlight — and the hate. Then we shift to security chaos: Yearn's underflow hack, Anthropic's AI discovering real smart contract vulnerabilities, and “post-quantum” panic sweeping Crypto Twitter. Plus: BTC volatility, MicroStrategy drama, and prediction markets suddenly going mainstream. Show highlights
A daily quote to inspire the mind, gratitude to warm the soul, and guided breathing to energize the body. Quote: "All man's miseries derive from not being able to sit quietly in a room alone." - Blaise Pascal Gratitude: For faith, hope, and love. Because those things are free, irreplaceable, and the only things that last a lifetime. Guided Breathing: Equal Breathing. Visit TheDailyRefresh.com to share your unique piece of gratitude which will be featured on an upcoming episode, and make sure to watch the tutorial of how to make The Daily Refresh part of your Alexa Flash Briefings! Call to action: If there's something unique YOU are grateful for, let me know and I'll share it on an upcoming episode. Simply visit TheDailyRefresh.com and click the word 'Gratitude e' in the Nav bar!
The Chopping Block unpacks crypto's DATpocalypse — NAVs collapsing, volumes drying up, and consolidation on the horizon. Plus: Vitalik sparks a wave of quantum panic, what Q-Day really means for Bitcoin and smart-contract chains, and why “qubits per share” might become the next great crypto meme. Welcome to The Chopping Block — where crypto insiders Haseeb Qureshi, Tom Schmidt, Tarun Chitra, and Robert Leshner chop it up about the latest in crypto. This episode opens with the DATpocalypse: almost every DAT is now below NAV, volumes have collapsed outside Bitmine and MicroStrategy, and the market is finally confronting what happens when issuances outrun demand. We get into consolidation talk, preferred-share experiments, capital-structure pivots, and whether any DAT should actually be selling crypto to buy back shares at a discount. Then we shift into quantum mania. Vitalik's “2028” comment lit up Q-Day fears, and we separate genuine hardware progress from pure panic. We discuss why post-quantum upgrades are simple for Bitcoin but brutal for stateful chains, and how hype alone could trigger a wave of “quantum-resistant” speculation. And yes — the running gag: DATs using quantum machines to steal Satoshi's coins. Tough markets, weird narratives, and institutions quietly holding the line. Let's get into it. Show highlights