Podcasts about Nevada

Guests: Dr. Tracey Green, Chief Medical Officer, Caresource NV

Guests: Dr. Tracey Green, Chief Medical Officer, Caresource NV

Perimenopause and menopause can feel like a time of massive change.  Because it IS! And with physical and hormonal changes comes the need for a big upgrade to your exercise and wellness routine. That's why I've brought expert Brian Keane onto the podcast to offer insight on optimally evolving your healthy habits to move with you through this wonderful season of life.  We dive into why restriction or an all-or-nothing approach to exercise can completely backfire in perimenopause and what to focus on instead for strength, energy, and longevity.  Brian also shares the most overlooked opportunities for building sustainable, effective wellness habits in midlife.  If you're ready to lean into this powerful season of life with confidence (and less frustration), this episode is for you! Tune in now.  Brian Keane Brian Keane is a 3x bestselling author, certified strength and conditioning coach, sports nutritionist, and the host of the top podcast, The Brian Keane Podcast. Brian has been a featured speaker at prominent wellness events, and was a Keynote speaker at Google HQ for their 2018 wellness event. Outside of business, he's completed some of the world's most grueling feats, including six consecutive marathons through the Sahara Desert, a 230km trek through the Arctic, and multiple ultra-marathons—highlighted by a 100-mile race through the desert in Nevada. IN THIS EPISODE Why your nutrition and exercise routine must change in midlife  Adjusting your mindset for optimal strength and resilience  Top strength and exercise recommendations for midlife women  The benefit of consistency in fitness vs. an all-or-nothing approach  Some of the most overlooked opportunities for healthier fitness and nutrition habits in midlife Non-negotiable force-multipliers for a healthier you Why sleep is the best thing you can do for your health Debunking certain health and wellness myths seen in the media  QUOTES“You don't judge a tree for its leaves falling off in autumn– don't judge yourself for moving into a new season of life.” “We can sometimes fail to see that the small things make a massive difference, whereas in other areas of life, you will do small things with your partner, with your son, with your daughter, and you know that they compound– putting them to bed, reading the story, having that time, you know that these small little things add up to building up that relationship and making it stronger. But with exercise, it's very easy to take an all or nothing approach.” RESOURCES MENTIONED My Newest Book: The Perimenopause Revolution  https://peri-revolution.com/ Connect with Brian HERE! Brian on TikTok Brian on Instagram Brian on Facebook Brian Keane Fitness on YouTube  RELATED EPISODES  #546: How to Stay Lean, Energized and Strong By Working With Your Physiology, Not Against It with Dr. Stacy Sims 684: The 5-Minute Workout That Boosts Metabolism, Energy & Reverses Aging with Ulrich Dempfle 657: How to Prevent, Manage, and Even Reverse Osteoporosis Naturally: The Hormone-Bone Health Connection Every Woman Needs to Know with Dr. Doug Lucas  #616: Jump-Start Your Metabolism and Put Your Body into a Thermogenic Fat-Burning State with Stu Schaefer

Is your practice patient- or production-driven? The answer should be purpose-driven. Kiera talks about how shifting your core values in a certain way can actually grow everything else. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: The Dental A Team (00:00) Hello, Dental A Team listeners. This is Kiera and I am excited. This is a podcast built just for you by you. If you ever want me to make a podcast for you, just email in Hello@TheDentalATeam.com or go to our website, TheDentalATeam.com and click on the podcast tab. You can submit topics for me to record for you. And today is a great one and I'm super excited about it. Someone asked production focus versus patient focus striking the right balance.   Does it have to be both? So is your practice driven by numbers or by people? And does it have to be a choice? I'm super jazzed. I'm super excited because this is the type of juicy stuff I like to get into because this is what offices talk about all the time. Oh my gosh, we're production focused. Well, that means you're not patient focused. Oh my gosh, you're patient focused. That means you're not production focused. Does it have to be? There's tension. It's tension. It's like, are you on the right side or the left side? Are you blue or are you Which side are you on?   Like there's tension here, production focus versus patient focus. Does it really have to be this debate? So I love this. Email me. You guys are love a good pen pal. Hello@TheDentalATeam.com. I like pen pals. You guys remember that? If you want to write me a letter, you can send me a letter. It's in Verdi, Nevada on the website, P.O. Box. I think it's 635 Verdi, Nevada. No clue what it is, but I will get it and I'll send you a postcard back. So pen pal for real, email us.   You guys, really do love a good pen pal. I will seriously send you a letter back. So ⁓ write me. I would love to hear from you. But I'm curious, does it have to be production focus or patient focus or can it be both? Is it the chicken or the egg? I definitely think that there has to be a way because the most successful practices integrate production and patience. So the answer is yes, it can be both. And I don't care what side of the coin you're on. I'm gonna teach you that you can actually be on both sides of the coin and still maintain your ethics.   like your ethical integrity, all of that. You guys, this is the Dental A Team. I'm obsessed with dentists. I'm obsessed with dental teams. I'm obsessed with making you happy. I'm obsessed with positively impacting this world in the greatest way possible. And that's why we built this podcast free for you to give you all the tips and tricks. And all I ask in return is that you leave us a review and share this with somebody that can change their life. My goal is to have this podcast into the hands of every single dental office out there. And guys, you are crushing it. We are in the millions of downloads and I can't do that without you. So please today.   share, download, or leave us a five star review. That means the world to me and I do read those reviews. So thank you. Thank you for everybody who reads those reviews. I appreciate each of you. So today I want to talk about patient focused version of production focused because you know, I got a pen pal out there. production focused means that we're focused on high volume, goal driven, and we're going to probably have burnout. Like that's the drive. It is a lot of times ego. That's okay. So when I'm talking to you.   You can test yourself right now. Are you ready? I'm gonna say, hey, what is your production? Now, to answer that, what's your production? If you just told me your number in gross, you're a little ego driven and I love you for it. And I'm gonna tell you that that is one of the worst things to do because there's no way for us you to ever collect it. I was talking to a practice the other day and they're like, yes, Kiera, we are a $7 million practice and we had a million dollars worth of write-offs. And I was like, well, shoot. So.   You're actually, think they actually have two million. So you're not a seven million, you're a five million. That's a bit of a minute. So you're actually a five million dollar practice and I'd rather talk about real numbers because then I can actually truly get you to seven million rather than feeding your ego at this. So that tends to be the case where you're, if you, you might be a bit production. If you're presenting those in gross, ⁓ present them in, it's okay to your buddies. You can present in gross. To me, to here, to this conversation in real life.   please, please, please present them in net, what you can actually collect. Now, if we're too patient focused, we tend to run at a slower pace, high trust, but we risk a lot of inefficiency and you actually risk the, like, you really do run a risk of you're not looking at the numbers and you actually can create a really, really, really scary spot where you actually are in like profit row where you have no money. ⁓ And so you gotta have both.   We've got to have production where we're able to serve our patients and we've got to care about our patients. We've got to make sure that both of those come together because that's a true business. This is what we're looking for. So I just want you to look at yourself right now and I want you to audit you and your practice. Where do you lean more? Okay. So do you lean a little more left? Do you lean a little more right? Do you lean a little more production focused or do you lean a little more patient focused? It's okay. There's no right or wrong. I just want you to like really look at yourself and assess what route do you fall?   because it's gonna help you, okay? So where are you? We're not like all patient or all production, but which way do you lean? I want you to answer that. You can pen pal me. Remember, I got pen pals out there. So be another pen pal for me. And then step two is I want you to marry metrics with meaning, which isn't that cute? Yes, chat GPT helped me on that one. Marry metrics with meaning, I love that. I was like, that is such a good way to bring this to the table. So we want you guys to be like in the middle, we're not production, we're not patient, we're purpose.   Did you love that? Another P, we're not patient, we're not production, we're purpose driven. So what this is going to be is you can actually like increase case acceptance to outcomes, not quotas. So it's not like we need 20 crowns, we need to help this many patients. help team members see, like I love Tiff, she said this, she was like, production is the measuring stick to see how many patients we're serving. That feels so much better than like we got to hit 150,000.   No, 150,000 shows is how many patients were able to serve. Let's quantify that up to how many patients and now let's put that up to 200,000 and serve that many patients. So we'll help you guys see that like this is a reflection of care. It's not like just, I don't know, like a number on a scorecard. It's people. You guys, all that production was people that we were able to change their lives. That's what we do in Dental A Team. I literally like, when we talk about our numbers, for a while I put up numbers and it was just a number.   So you can tell it's a little bit more production focused rather than patient focused. And it didn't matter to me. And then when I was like, okay, we're going to go out and I want to serve, like I want Dental A Team to serve 500 dental practices. Like in one year, I want us to have that many that to me, like think of how many lives we're going to change. Cause my ultimate goal is impact to possibly impact this world in the greatest way possible. So I was like, all right, let's put an audacious goal out there. I want to serve 500 offices. Yeah, you can join us. Yes, of course.   And like now it became funds. Like the number is tied to people. Cause I ultimately care about people. care about impact. Money can have impact, but it doesn't drive me. What drives me is changing people's lives. Life is my passion, dentistry is my platform. So how can you help your team see that? So we have to help them see like for me with teams, case acceptance, I'm just saying like that's how many smiles you were able to like truly benefit. There's so many lives you're able to change. I believe the case acceptance is life changing. I was the patient on the other side of that coin.   who literally had my life changed by identities. So when we shifted like KPIs are metrics, yes, but metrics have meaning and their purpose. So what does this case acceptance actually reflect? What does this production actually reflect? What did these new patients numbers actually reflect? And when we look at it as this like patient centric, it becomes so much more fun. I did this in a team meeting the other day where, gosh, we were sitting there and I was like, all right, rattle off to me like why you guys go to Chick-fil-A? And they're like talking about it. Not one of them said price.   Not one of them. Not one of them when I talked about McDonald's said price. So when I looked at this, I thought, okay, people go to Chick-fil-A for the experience. And I thought, how can we become a more patient centric practice that uses metrics to see how we're doing of serving those patients? That's what it is. That's how you marry metrics with meaning. These numbers on a KPI scorecard are telling me the vitals of how good we're serving our patients.   So when I look at our hygiene, I wanna know, are we diagnosing perio or are we doing bloody profies? When I look at Florida, you guys, I'm a huge proponent of Florida. If you're not, that's okay, we can still be friends. I'm here to also teach you holistic. I love Florida. Florida changed my life. It prevented so many cavities for me, like truly was life-changing. So I'm like, absolutely, give it to patients. So when I look at your hygiene numbers, I'm not looking at like, did you get your eight out of eight today? I'm looking at like, did you help proactively prevent decay on all of your patients today?   Of course, if they don't want it, that's fine. But like, let's use our words, words are free. Let's set it up in a way to help more patients say yes. I am patient centric with production numbers and using words to get the results I'm looking for. I'm looking for outcomes, not effort. One of my favorite, favorite, favorite lines, and it's probably gonna become like a core value. My team doesn't know this, you guys, is we measure our, we measure by outcomes, not activity. ⁓ we measure it by outcomes.   not activity because I can sit here and say, I served this many patients, but if I didn't close any cases, I did not get the outcome of helping truly get them the smiles and the health that they deserve. Bottom line. So then step three is you got to change your culture. You got to have a culture that supports both. It's got to be efficiency and empathy. It's got to be production and patient. It's got to be like truly driven. And I've got so many offices like Kiera, I don't want to my team about the numbers. That's fine. You don't have to.   But can't we also help them see that the numbers are helping more patients? Every team I've ever gone into has told me the reason they're in tennis tree is to help change patients' lives. That's why they're here. So when I look at this, I'm like, okay, if that's why we're all here, how do we know that we're actually helping the number of patients that we could? Like genuinely somebody tell me, how do we actually know in a tangible, non-emotional way? How do I know? So we've got to help people see that like, okay, fantastic. We have a culture where when we hit our numbers,   We know we serve the patients that we're set here to serve. Period. You're not gonna go away from that and helping people see that numbers equate the outcomes we're looking for. Numbers help us serve patients. And on the flip side, when we, like you guys, there's a book called Unreasonable Hospitality. Have your team do fun things like that where we celebrate the birthdays, the weddings, the anniversaries, the celebrations. We have like a little gift basket on the side where we can quickly go and have some fun with those people to make this magic moment for our patients.   have magic moments that produce results. Team training, we gotta do patient and production language. We've gotta be empathetic. So for me to say like, my gosh, I'm so excited that you don't work with Dr. Jones. Dr. Jones is incredible. They're gonna take great care of you. Let's get you scheduled for this appointment. I know Dr. Jones definitely wants to get you back. I've got Monday or Wednesday, which works best for you. That was patient and production centric, both in the same exact equation.   when I talk to them about case acceptance, it's like, perfect. So here's the treatment that Dr. Jones diagnosed for you. This is your total out of pocket. This is your insurance estimate. This will be your total when I see you on Wednesday. What questions do you have for me? I want you to be rock solid moving forward. Again, production and patient focus. I want them to be so solid. I'm genuinely so concerned about them. I really want them to be solid. If they tell me they got to talk to their spouse, absolutely, 100%. I want you to talk to your spouse.   Help me what questions they're going to ask. That way I can make sure you're fully prepped when you chat with them. That's production and patient focused. A cancellation calls in. my gosh, what's going on? Tell me, like, ⁓ I've been so worried about you. Like help me understand where you at, what's going on. Like, are you okay? Tell me like, you're sick. Like, my gosh, what's going on? I know there's been a bug going around. Someone says I can't make it from work. my gosh. Like, I'm so sorry to hear that. Tell me what's going on. Let's find a solution. I know Dr. wanted to see you.   I can't wait to see you and I know there's gonna be a solution for us. Production and patient focus. And I think when teams see that you don't have to be one or the other, production focus can come across aggressive, patient focus can come across non-aggressive and very like twiddling my thumb sometimes. And so I'm like the true win is the middle ground. The true win is where we see that patients need to feel loved.   and important and that they're humans. And they also need to see that we love them so much. And we're going to make sure that they get the treatment that they need to get done. And we're going to help use our words to make sure it's easy for them to say yes. Both are doable. Both are right. Both are necessary. This is how you guys are able to have it. And so I think you guys can have conversations with the team. How can we be patient and production focused? How can we marry the two because we know the best practices are both.   They are, there's not one lever that's stronger than the other. Both are married together as a perfect whole, two perfect complete whole. How can we be more, if you know from, remember we did an audit, if you know you're a little more production focused, how can you be a bit more patient focused? Have that come up in the team. If you know you're a bit more patient focused, how can we be a bit more production focused? And I know you might be bristling on both sides. Production focused people might think that, my gosh, it's a complete waste of time to be patient focused.   Patient focused people, they're like, my gosh, you'll maybe be aggressive and like force these people into treatment. The answer is no to both of those. Us treating people like human beings, production focused teams will actually make those patients want to be here more. Our teams that are more patient focused, turning more production focused, it's gonna help us make sure that we're not missing things on the patients, that we're not doing inadequate care. And that actually that patient's not leaving confused and that they truly know what they need to do. And it's very clear of next steps for them.   Clear is kind. Being direct is kind. Loving people as people is kind. So I'd really encourage you to adopt this into your practice. And if you struggle with this, if your doctor is like, ⁓ I am not having that team meeting, I'm not having that conversation, great. That's why we have a job. That's what we love to do. Our job is to align doctors and team members to help team members see that production is patient focused and to see that patient focus is production focused. Both sides are necessary.   You need both of them. And so to be able to help you and your team get there, I think is a beautiful thing. So I would really, really, really encourage you to be patient and production focused, both of them. Look to see where you could be a little bit more on whichever side you don't naturally lean to. I know you can already do more on the side that you naturally lean to. Go the other side. I want you to think about it. I want you to bring that into your culture. And I'd really encourage you. And if you struggle with this or you're like, I don't really know how to do this, reach out. Hello@TheDentalATeam.com.   It's not just about this. It's about other goals. It's about other spaces. It's about other awkward conversations that you just don't know how to navigate. It's about getting your team and you doctors rowing in the exact same direction. And that's what we're here to do. So reach out. Hello@TheDentalATeam.com. And as always remember, patient and production is purpose driven dentistry. And that's what you're here to do. And I know that you're here for that. I know that you care so much about your patients and that's why I wanted to really bring this up. So thanks for the pen pal. Thanks for writing. I'd love to hear from more of you. Hello@TheDentalATeam.com.   Go to our website, give me some more topics and reach out. I'd love for you to be one of our 500 practices. We get to help love serve and have that be the purpose to positively impact and change your life for the better. Not just your practice, but you as a person. Because at the end of the day, I care about you as a human being. I care about you thriving. I care about you having the practice of your dreams and having the team of your dreams because I care about you as a human. So reach out and as always know that I'm rooting for you. Know that I care about you.   Know that I adore you as always. Thanks for listening. I'll catch you next time on the Dental A Team Podcast.  

In 1910, a powerful winter storm trapped a passenger train deep in Nevada's snowy mountains for days. Kids, families, and train workers had to work together, stay brave, and get creative to survive one of the snowiest disasters in American history. Grab your coat—this is a true story where teamwork beat the blizzard!⁠⁠⁠Birthday Shout Out Form⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Use Code MKP for Harbor & Sprout⁠⁠⁠⁠⁠⁠Become a ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Patron⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Or a Subscriber on Spotify!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Jalen and Josh are back for season 3 and a brand new NBA season. Make sure you subscribe so you never miss an episode.Make it legendary with BetMGM. Download the app today and use bonus code ROOMMATES to get up to a $1500 First Bet Offer on your first wager with BetMGM! https://betmgm.com/roommatesSee https://BetMGM.com for Terms. 21+ only. This promotional offer is not available in New York, Nevada, Ontario, or Puerto Rico. Gambling problem? Call 1-800-GAMBLER (Available in the US). 877-8-HOPENY or text HOPENY (467369) (NY). 1-800-NEXT-STEP (AZ), 1-800-327-5050 (MA), 1-800-BETS-OFF (IA), 1-800-981-0023 (PR). First Bet Offer for new customers only. Subject to eligibility requirements. Rewards are non-withdrawable bonus bets that expire in 7 days. In partnership with Kansas Crossing Casino and Hotel. Gambling problem? Call 1-800-GAMBLER (Available in the US) 877-8-HOPENY or text HOPENY (467369) (NY) 1-800-327-5050 (MA), 1-800-NEXT-STEP (AZ), 1-800-BETS-OFF (IA), 1-800-981-0023 (PR) 21+ only. Please Gamble Responsibly. See BetMGM.com for Terms. First Bet Offer for new customers only. Subject to eligibility requirements. Bonus bets are non-withdrawable. In partnership with Kansas Crossing Casino and Hotel. This promotional offer is not available in New York, Nevada, Ontario, or Puerto Rico. TT: https://www.tiktok.com/@roommatesshowIG: https://www.instagram.com/theroommatesshowX/TW: https://twitter.com/roommates__show#NBAFreeAgency #DamianLillard #LukaDoncic #MikalBridges #BallIsLife #NBAUpdates #HoopsTalk #NBAHumor #HoopDreams #NBAComedy #BasketballPodcast #NBABanter #NBAStories #NBAInsight #ProBasketball #NBAFans #AllStarTalk #BasketballCulture #NBA2025 #NBAFreeAgencyNews #JalenAndJosh #GettingPaid #LillardStatue #RoastingKarlAnthonyTowns #KATroast #MikalAndLuka #PlayerOpinions #FunnyHoops #HoopsComedy #PlayerTalk #BasketballAnalysis #InsideTheNBA #NextLevelHoops #NBALegends #CourtTalk #PodcastHighlights #PodcastSnippet #TributeTalk #StatueDebate #PlayerChat #FanTalk #NBAHeatCheck #BallersBanters #HotTakes #BehindTheBanter #PodcastMoment #PodcastClips #KTLove #LillardLove #PlayerChat #BehindTheBanter #TheRoommatesPodcast #NewYork #Knicks #Basketball #NBA #NBAPlayers #nbaoffseason #offseason00:00 - Intro00:18 - Picks of The Week01:06 - BetMGM Ad02:00 - Best of 202503:38 - Butt to Wood04:15 - Defensive Sacrifices04:47 - Reading Time w/ Tyler Kolek05:38 - Does Josh Knows about Technicals?07:19 - Who's a Better Athlete?08:56 - Coach Thibs Angry Translator11:22 - Coffee Break12:14 - Embarassing Matt (A Little Bit)13:03 - JC has Aura14:40 - Long time supporter of the show15:32 - "Milk me Ben!"15:52 - "Can we ban the Tush Push?"16:55 - Knicks' New Teammates18:47 - Shampoo or Body wash?20:09 - Afraid of Haunted Houses20:51 - "I blocked the s*** out of it!"21:51 - "PJ got a text"22:42 - Snapping at Practices23:27 - Is Josh a Bad Influence?24:50 - Visibility25:50 - What annoys the wives28:06 - Bombshell28:39 - The Thumb Incident29:51 - Outro Hosted on Acast. See acast.com/privacy for more information.

Incendio en bar en Suiza deja 40 muertos en Año Nuevo  No hay mexicanos afectados en tragedia en Suiza: SRE27 autos quemados en IztapalapaMás información en nuestro Podcast

Guests: Jill Derby, Trustee, American University of Iraq in Kurdistan

Guests: Jill Derby, Trustee, American University of Iraq in Kurdistan

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Jalen and Josh are back for season 3 and a brand new NBA season. Make sure you subscribe so you never miss an episode.Make it legendary with BetMGM. Download the app today and use bonus code ROOMMATES to get up to a $1500 First Bet Offer on your first wager with BetMGM! https://betmgm.com/roommatesFull episode: https://youtu.be/CSYs7lV5CFcGIFT FROM THE HART WITH TOMMY JOHN & GET 25% OFF YOUR FIRST ORDER RIGHT NOW at TommyJohn.com/ROOMIES WITH PROMO CODE ROOMIES.See https://BetMGM.com for Terms. 21+ only. This promotional offer is not available in New York, Nevada, Ontario, or Puerto Rico. Gambling problem? Call 1-800-GAMBLER (Available in the US). 877-8-HOPENY or text HOPENY (467369) (NY). 1-800-NEXT-STEP (AZ), 1-800-327-5050 (MA), 1-800-BETS-OFF (IA), 1-800-981-0023 (PR). First Bet Offer for new customers only. Subject to eligibility requirements. Rewards are non-withdrawable bonus bets that expire in 7 days. In partnership with Kansas Crossing Casino and Hotel. Gambling problem? Call 1-800-GAMBLER (Available in the US) 877-8-HOPENY or text HOPENY (467369) (NY) 1-800-327-5050 (MA), 1-800-NEXT-STEP (AZ), 1-800-BETS-OFF (IA), 1-800-981-0023 (PR) 21+ only. Please Gamble Responsibly. See BetMGM.com for Terms. First Bet Offer for new customers only. Subject to eligibility requirements. Bonus bets are non-withdrawable. In partnership with Kansas Crossing Casino and Hotel. This promotional offer is not available in New York, Nevada, Ontario, or Puerto Rico. TT: https://www.tiktok.com/@roommatesshowIG: https://www.instagram.com/theroommatesshowX/TW: https://twitter.com/roommates__show#NBAFreeAgency #DamianLillard #LukaDoncic #MikalBridges #BallIsLife #NBAUpdates #HoopsTalk #NBAHumor #HoopDreams #NBAComedy #BasketballPodcast #NBABanter #NBAStories #NBAInsight #ProBasketball #NBAFans #AllStarTalk #BasketballCulture #NBA2025 #NBAFreeAgencyNews #JalenAndJosh #GettingPaid #LillardStatue #RoastingKarlAnthonyTowns #KATroast #MikalAndLuka #PlayerOpinions #FunnyHoops #HoopsComedy #PlayerTalk #BasketballAnalysis #InsideTheNBA #NextLevelHoops #NBALegends #CourtTalk #PodcastHighlights #PodcastSnippet #TributeTalk #StatueDebate #PlayerChat #FanTalk #NBAHeatCheck #BallersBanters #HotTakes #BehindTheBanter #PodcastMoment #PodcastClips #KTLove #LillardLove #PlayerChat #BehindTheBanter #TheRoommatesPodcast #NewYork #Knicks #Basketball #NBA #NBAPlayers #nbaoffseason #offseason Hosted on Acast. See acast.com/privacy for more information.

BRONCO FOCUS EVERY MONDAY-FRIDAY AT 3:45 P.M.: Bob Behler, the voice of Boise State athletics, joins Prater and Mallory to share key storylines going into the Broncos' league home opener against New Mexico on Tuesday night. Boise State needs a win after opening Mountain West play with a loss at Nevada; the Lobos have won seven straight.See omnystudio.com/listener for privacy information.

On this episode of HI Now Daily, we get the details about the new Kapono's at the Lounge - how you can spend your New Year's Eve there and who's in the line up to play next year. Next, we're finding out why you should take a look at this real estate agency from Nevada.See omnystudio.com/listener for privacy information.

Advocates' efforts to make school zones safer, the search for missing and murdered Indigenous people, and Vegas' boxing's fight to thrive. All that and more in the latest episode of KNPR's State of Nevada.

In this final show of 2025, Jon Sanchez, Cory Edge, and Dwight Millard reflect on the past year, discussing market trends, economic predictions for 2026, and the challenges facing consumers, particularly in healthcare affordability. They emphasize the importance of strategic investment and the potential for a strong year ahead, while also acknowledging the complexities of the current economic landscape.The Jon Sanchez Show is a service of Sanchez Gaunt Capital Management, LLC in Reno, Nevada.Learn more about our services: https://www.sanchezgaunt.com/our-processChapters00:00 Introduction and Year-End Reflections02:15 Market Predictions for 202604:58 Economic Challenges and Opportunities08:02 Healthcare Affordability Crisis10:45 Stock Market Overview and Year Recap11:02 Mortgage Market Insights12:47 Gold and Commodity Market Movements15:38 Interest Rates and Economic Policy18:29 Looking Ahead: Predictions and Strategies21:13 Market Reflections and Interest Rates23:17 2025 Year in Review: Markets, Money, and Mindset30:06 Consumer Checkup and Future Predictions34:15 Final Thoughts and Looking Ahead to 202635:31 Disclaimer

Guests: Bryan Wachter, President, Retail Association of Nevada

The Gateway Podcast – Carmel O'Sullivan – How Intuition Guides Healing, Purpose, and Life Direction Date: December 30, 2025 Episode: 109 Discussion: How Intuition Guides Healing, Purpose, and Life Direction About Carm: Healer with a Message, Carm O'Sullivan is a compassionate, Christ-oriented healer who embraces all faiths and belief systems. Her healing journey began in 2012 through Reiki and Healing Touch, where she became known for easing anxiety, reducing pain, and supporting overall well-being. A Certified Healing Touch Practitioner and Medical Reiki Master, Carm spent five years providing bioenergetic therapies in hospital settings including ICU, Labor and Delivery, and surgical care, helping patients find relief from physical discomfort and emotional stress. She also works closely with individuals facing autoimmune disease and cancer, supporting symptom management, reducing treatment side effects, and fostering inner peace. Alongside her healing work, Carm is an accomplished psychic and medium, trained by respected mentors including John Holland, Janet Nohavec, and Spirit Artist Joe Shiel. Under Joe Shiel's mentorship, she developed the unique ability to draw spirits during readings, offering powerful validation and comfort to those grieving. With over a decade of experience as an educator, Carm teaches intuitive development throughout Colorado, Arizona, and California, having guided more than 300 students through courses, circles, podcasts, and writing focused on healing and spiritual growth. Carm believes everything is energy—if you feel drawn to her work, trust your intuition and connect with her for a reading, healing session, or class. She deeply loves the work she does and the clients guided to her. Website: CarmOSullivan.com Host: CL Thomas C.L. Thomas travels widely every year as a fine arts photographer and writer exploring various afterlife research, OBEs, metaphysics, folklore, and lectures at events. C.L. does "Spirit" art on request. She is the author of the haunting memoir "Dancing with Demons" and the acclaimed historical-fiction novel “Speaking to Shadows”. C.L. is the creator and host of The Gateway Podcast & Small Town Tales Podcast. She has written many articles and maintains a blog on legends, folklore magic, and paranormal stories. Currently, she resides in Las Vegas, Nevada with her beloved Golden Retriever and Maine Coon cat. www.clthomas.org Follow CL on Social Media: Facebook: https://www.facebook.com/cl.thomas.428549/ Instagram: https://www.instagram.com/author_cl_thomas/ YouTube: https://www.youtube.com/@clthomas

BRONCO FOCUS EVERY MONDAY-FRIDAY AT 3:45 P.M.: Bob Behler, the voice of Boise State athletics, joins Prater and Mallory to share key storylines going into the Broncos' league home opener against New Mexico on Tuesday night. Boise State needs a win after opening Mountain West play with a loss at Nevada; the Lobos have won seven straight.See omnystudio.com/listener for privacy information.

Guests: Bryan Wachter, President, Retail Association of Nevada

Se ha realizado un descubrimiento revolucionario en los Estados Unidos: el mayor depósito de litio del mundo fue encontrado dentro de un antiguo supervolcán en la frontera entre Nevada y Oregón. La Caldera McDermitt alberga un estimado de 40 millones de toneladas métricas de litio, casi la mitad de las reservas conocidas del mundo y el doble de lo que poseen los famosos salares de Bolivia. Dado que el litio es esencial para las baterías de smartphones, laptops y vehículos eléctricos, este hallazgo podría transformar la cadena de suministro global. Con una demanda de litio que se espera se dispare diez veces para el año 2050, Estados Unidos podría finalmente reducir su dependencia de proveedores extranjeros, especialmente China. En 2022, América importó el 70% de sus baterías de ion de litio, pero este descubrimiento podría cambiarlo todo. Si la minería comienza según lo planeado en 2026, Estados Unidos podría convertirse en una potencia importante en la industria del litio, impulsando tanto la innovación como el crecimiento económico. Learn more about your ad choices. Visit megaphone.fm/adchoices

BRONCO FOCUS EVERY MONDAY-FRIDAY AT 3:45 P.M.: Bob Behler, the voice of Boise State athletics, joins Prater and Mallory to share key storylines going into the Broncos' league home opener against New Mexico on Tuesday night. Boise State needs a win after opening Mountain West play with a loss at Nevada; the Lobos have won seven straight.See omnystudio.com/listener for privacy information.

Jalen and Josh are back for season 3 and a brand new NBA season. Make sure you subscribe so you never miss an episode.Make it legendary with BetMGM. Download the app today and use bonus code ROOMMATES to get up to a $1500 First Bet Offer on your first wager with BetMGM! https://betmgm.com/roommatesFull episode: https://youtu.be/CSYs7lV5CFcShow up in your bag, every time. DoorDash has what you need to win the watch party. DoorDash. In your bag all season long.See https://BetMGM.com for Terms. 21+ only. This promotional offer is not available in New York, Nevada, Ontario, or Puerto Rico. Gambling problem? Call 1-800-GAMBLER (Available in the US). 877-8-HOPENY or text HOPENY (467369) (NY). 1-800-NEXT-STEP (AZ), 1-800-327-5050 (MA), 1-800-BETS-OFF (IA), 1-800-981-0023 (PR). First Bet Offer for new customers only. Subject to eligibility requirements. Rewards are non-withdrawable bonus bets that expire in 7 days. In partnership with Kansas Crossing Casino and Hotel. Gambling problem? Call 1-800-GAMBLER (Available in the US) 877-8-HOPENY or text HOPENY (467369) (NY) 1-800-327-5050 (MA), 1-800-NEXT-STEP (AZ), 1-800-BETS-OFF (IA), 1-800-981-0023 (PR) 21+ only. Please Gamble Responsibly. See BetMGM.com for Terms. First Bet Offer for new customers only. Subject to eligibility requirements. Bonus bets are non-withdrawable. In partnership with Kansas Crossing Casino and Hotel. This promotional offer is not available in New York, Nevada, Ontario, or Puerto Rico. TT: https://www.tiktok.com/@roommatesshowIG: https://www.instagram.com/theroommatesshowX/TW: https://twitter.com/roommates__show#NBAFreeAgency #DamianLillard #LukaDoncic #MikalBridges #BallIsLife #NBAUpdates #HoopsTalk #NBAHumor #HoopDreams #NBAComedy #BasketballPodcast #NBABanter #NBAStories #NBAInsight #ProBasketball #NBAFans #AllStarTalk #BasketballCulture #NBA2025 #NBAFreeAgencyNews #JalenAndJosh #GettingPaid #LillardStatue #RoastingKarlAnthonyTowns #KATroast #MikalAndLuka #PlayerOpinions #FunnyHoops #HoopsComedy #PlayerTalk #BasketballAnalysis #InsideTheNBA #NextLevelHoops #NBALegends #CourtTalk #PodcastHighlights #PodcastSnippet #TributeTalk #StatueDebate #PlayerChat #FanTalk #NBAHeatCheck #BallersBanters #HotTakes #BehindTheBanter #PodcastMoment #PodcastClips #KTLove #LillardLove #PlayerChat #BehindTheBanter #TheRoommatesPodcast #NewYork #Knicks #Basketball #NBA #NBAPlayers #nbaoffseason #offseason Hosted on Acast. See acast.com/privacy for more information.

Craig Smith has ended an incredible career in the NHL and hung out with the boys to talk about all his favorite stories. He's one of the most wholesome guys of all time, you don't want to miss it. Olympic rosters are due in days so the guys give out their final predictions on who the red white and blue should take to Milan. There were extremely tough decisions there. And of course enjoy a beer league hotline and a blind ranking. NEW EPISODES EVERY TUESDAY & THURSDAY! Watch full episodes, shorts, and on YouTube. Listen to the podcast on Spotify or anywhere you get your pods. Subscribe & follow Empty Netters everywhere: YouTube: / @emptynetters Instagram: @EmptyNetters TikTok: @EmptyNetters X: @EmptyNetters PRESENTED by BetMGM. Download the BETMGM app and use code “NETTERS” and enjoy up to $1500 in bonus bets if you lose your first wager! Thanks to our Sponsors! BetMGM: Use bonus code NETTERS when signing up to receive up to $1500 in bonus bets if your first bet loses. Bauer: Get your hands on Bauer's newest innovation — the PULSE stick — and feel the difference. Get your hands on one at https://Bauer.com Gambling problem? Call 1-800-GAMBLER (Available in the US) 877-8-HOPENY or text HOPENY (467369) (NY) 1-800-327-5050 (MA), 1-800-NEXT-STEP (AZ), 1-800-BETS-OFF (IA), 1-800-981-0023 (PR) 21+ only. Please Gamble Responsibly. See BetMGM.com for Terms. First Bet Offer for new customers only. Subject to eligibility requirements. Bonus bets are non-withdrawable. In partnership with Kansas Crossing Casino and Hotel. This promotional offer is not available in New York, Nevada, Ontario, or Puerto Rico. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, for our final episode of the year, I am joined by someone whose life story reads like an atlas: the actor, writer, and now podcast host, Richard E. Grant.Born in Swaziland, now known as Eswatini, in southern Africa, Richard grew up in a world of big landscapes, no television, and endless imagination. From there he moved to London in the early 1980s, and very quickly became unforgettable figure on stage and screen - from his iconic role in Withnail & I, all the way through to Gosford Park, Jackie, Star Wars, Saltburn, and his Oscar-nominated performance in Can You Ever Forgive Me?Throughout it all, running beneath the red carpets and film sets, there has been travel. He spent 33 summers at a beloved farmhouse in Provence with his late wife Joan, brocante shopping and watching the seasons change. He's had close encounters with sharks while scuba diving off Mozambique, checked into seedy hotel suites in Las Vegas, and floated on the still waters of Lake Como.And now, his travel stories telling them in a new way. Richard is the co-host, of the brilliant new podcast Hotels with History with travel pr Jules Perowne - a series that dives into the scandals, intrigue, glamour and ghosts of some of the world's most legendary hotels.So, sit back, pour something festive, and join me as we step inside the seven travel chapters of Richard E. Grant.Destination Recap:Eswatini (Formerly Swaziland) London, England MozambiqueProvence, France Masai Mara, Kenya and Tanzania Las Vegas, Nevada, USAPassalacqua, Lake Como, ItalyRitz Paris, France The Mark Hotel, Manhattan, New York, USAMkhaya Game Reserve, Safari, SwazilandIsraelGrand Egyptian Museum (GEM), Giza, Egypt SpaceRichard is co-host of the Hotels with History podcast, Season 1 out now I'll be back with a new season of the podcast in the Spring.With thanks to...Citalia - If you're dreaming of your own Italian adventure, visit Citalia.com to start planning today.Naturhotel Forsthofgut – if, like many of our guests, you're dreaming of an alpine escape rooted in harmony with nature, visit forsthofgut.at to start planning today.Beaverbrook Hotel - Escape the everyday and discover Beaverbrook for yourself, a truly indulgent country-house retreat just outside London. Find out more and book your stay at beaverbrook.co.uk.Thanks so much for listening today. If you want to be the first to find out who is joining me next time, come and follow me on Instagram I'm @hollyrubenstein, and you'll also find me on TikTok - I'd love to hear from you. And if you can't wait until then, remember there's the first 14 seasons to catch up on, that's over 165 episodes to keep you busy. Hosted on Acast. See acast.com/privacy for more information.

Men in Nevada, Texas, and California accused of killing their parents in an apparent 'parricide epidemic.' See omnystudio.com/listener for privacy information.

BRONCO FOCUS EVERY MONDAY-FRIDAY AT 3:45 P.M.: Bob Behler, the voice of Boise State athletics, joins Prater and Mallory to share his thoughts on the men's basketball team that's coming off a loss to Nevada and a short holiday break. The Broncos are 8-4 overall going into the Mountain West home opener against New Mexico on Tuesday night - what are the short-term expectations for the program?See omnystudio.com/listener for privacy information.

Boise State football lost its top player to the transfer portal - what's next for safety Ty Benefield and how do fans feel about his departure (as opposed to leaving early for the NFL), is coach Spencer Danielson winning or losing his battle with the portal, Bob previews Boise State-New Mexico hoops in Bronco Focus, starter RJ Keene on the Broncos' psyche after loss at Nevada and short holiday break, Ashton Jeanty and Kellen Moore down to their final NFL games of the season - how'd they do in 2025, sports-related gifts and Christmas, Weekend Winners & LosersSee omnystudio.com/listener for privacy information.

 Today on Coast To Coast Hoops Greg recaps Monday's college basketball results, talks to Tanner Kern of DraftKings about the dynamics of conference play as opposed to the final games of non-conference play, gauging teams that have had surprisingly good & bad starts, & Tuesday's games, & Greg picks & analyzes every Tuesday game!Link To Greg's Spreadsheet of handicapped lines: https://vsin.com/college-basketball/greg-petersons-daily-college-basketball-lines/Greg's TikTok With Pickmas Pick Videos: https://www.tiktok.com/@gregpetersonsports?is_from_webapp=1&sender_device=pc Podcast Highlights 2:25-Recap of Monday's Results19:45-Interview with Tanner Kern31:47-Start of picks Ohio vs Central Michigan34:20-Picks & analysis for Wyoming vs Air Force36:35-Picks & analysis for East Tennessee vs The Citadel38:45-Picks & analysis for Western Michigan vs Toledo41:17-Picks & analysis for Marquette vs Seton Hall43:19-Picks & analysis for Florida St vs North Carolina46:13-Picks & analysis for Miami OH vs Bowling Green48:54-Picks & analysis for Duquesne vs Davidson51:28-Picks & analysis for Temple vs Charlotte53:45-Picks & analysis for Pittsburgh vs Miami55:52-Picks & analysis for UW Milwaukee vs Wisconsin58:06-Picks & analysis for Massachusetts vs Eastern Michigan1:00:45-Picks & analysis for Tennessee St vs Tennessee Tech1:02:54-Picks & analysis for Butler vs Crieghton1:05:12-Picks & analysis for St. Mary's vs Pepperdine1:07:31-Picks & analysis for Nevada vs Colorado St1:10:03-Picks & analysis for Utah St vs Fresno St1:12:26-Picks & analysis for Notre Dame vs Stanford1:14:54-Picks & analysis for Louisville vs California1:17:30-Picks & analysis for Gonzaga vs San Diego1:19:47-Picks & analysis for Santa Clara vs Portland1:22:20-Picks & analysis for San Diego St vs San Jose St1:24:39-Picks & analysis for Pacific vs Loyola Marymount1:26:40-Picks & analysis for Washington St vs Seattle1:29:12-Picks & analysis for San Francisco vs Oregon St1:31:35-Picks & analysis for New Mexico vs Boise St1:34:14-Start of extra games Vermont vs Princeton1:36:49-Picks & analysis for SE Louisiana vs Incarnate Word1:39:05-Picks & analysis for Howard vs Northwestern1:41:12-Picks & analysis for Albany vs South Carolina1:43:22-Picks & analysis for South Carolina St vs Tennessee1:46:45-Picks & analysis for New Hampshire vs Nebraska Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Guests: State Senator Angie Taylor (D) #15

Boise State football lost its top player to the transfer portal - what's next for safety Ty Benefield and how do fans feel about his departure (as opposed to leaving early for the NFL), is coach Spencer Danielson winning or losing his battle with the portal, Bob previews Boise State-New Mexico hoops in Bronco Focus, starter RJ Keene on the Broncos' psyche after loss at Nevada and short holiday break, Ashton Jeanty and Kellen Moore down to their final NFL games of the season - how'd they do in 2025, sports-related gifts and Christmas, Weekend Winners & LosersSee omnystudio.com/listener for privacy information.

BRONCO FOCUS EVERY MONDAY-FRIDAY AT 3:45 P.M.: Bob Behler, the voice of Boise State athletics, joins Prater and Mallory to share his thoughts on the men's basketball team that's coming off a loss to Nevada and a short holiday break. The Broncos are 8-4 overall going into the Mountain West home opener against New Mexico on Tuesday night - what are the short-term expectations for the program?See omnystudio.com/listener for privacy information.

This episode explores two holiday horrors that feel wildly different—but share the same seasonal pressure. In the first half, we follow the winter travel corridor, where disappearances spike between Thanksgiving and Christmas. Cars are found idling with no footprints in the snow. Dashcams cut out mid-drive. Travelers vanish between security cameras in airports and rest stops.From the iron-rich terrain of Vermont's Bennington Triangle to long, silent highway stretches in Wyoming and Nevada, winter doesn't just erase evidence—it distorts perception, time, and orientation. These aren't reckless wanderers. These are people who were almost home.In the second half, the lens flips inward. Black Friday isn't a mystery of missing bodies—it's a mystery of missing selves. Crowds surge into ritual frenzy, driven by scarcity psychology, dopamine loops, and sanctioned hysteria. Stampedes, injuries, locked doors, and mob behavior mirror disaster responses more than shopping events. It's anthropological, unsettling, and darkly funny. Together, the episode asks a single question:What does winter do to the human mind? Some people disappear into the snow.Some disappear into the crowd.Both vanish during the same season. The holidays take a toll—on the road or under fluorescent lights—and winter decides how.

Guests: State Senator Angie Taylor (D) #15

2025 is coming to a close, so what better way to end than on a well known adventure to the ET Highway in Nevada! Join us as we chat with Scott Berks from The Geocaching Podcast about their 'Turkey Trot' event experience and with a caravan of attendees who drove out to complete the series and more! And then a little look back and forward for the new year.Watch on Youtube: cachetheline.net/ettrotShow Notes: cachetheline.net/radio/e22< Support on Patreon >Contact: tgif@cachetheline.netLeave a message! Phone One In, at cachetheline.net/poi

Waymo and Tesla have expanded driverless taxi operations in major US cities, including San Francisco, Atlanta, Austin, and Phoenix. Waymo operates in six cities and plans to enter Dallas, Houston, and Miami, while Tesla is growing its ride-hailing fleet in Austin and San Francisco with plans for Arizona, Florida, and Nevada. Amazon's Zoox runs robotaxis in Las Vegas, Miami, and Seattle. Waymo reports over one million autonomous rides monthly and seeks a $100 billion valuation. Both companies are testing various business models, such as app-based bookings and partnerships with Uber, and are working to access airport and highway routes. The industry faces challenges with incidents, regulatory scrutiny, and the need to achieve financial sustainability without human drivers.Learn more on this news by visiting us at: https://greyjournal.net/news/ Hosted on Acast. See acast.com/privacy for more information.

Are Gen X'ers truly ready for retirement, or is anxiety about savings and the future holding them back? Ethan Glasgow dives into the real fears facing Gen X as retirement approaches, including the uncertainties about saving enough, outliving income, and market volatility. He shares practical strategies for late-stage planning, including Roth conversions and budgeting tips, and explains why it’s never too late to start. Whether you’re five or ten years away, discover actionable steps to make retirement planning less overwhelming and more achievable. As the founder of Ashton and Associates, Abe Ashton has more than 20 years of financial planning experience helping thousands of families in Utah, Nevada, and across the country retire with confidence. Abe’s mission is to provide client-focused education and solutions to seniors and retirees, that help them achieve the retirement they’ve worked so hard for. To get more information on Ashton & Associates, or to schedule a consultation call, 435-688-9500 or visit AshtonWealth.comSee omnystudio.com/listener for privacy information.

When should you have a home warranty? This year in 2026! Shelley Vinson tells us what a home warranty covers and how it compares to the cost of household appliances. Brian Cushing NMLS #303045 from American Financial Network offers insight on today's mortgage market and the outlook for buyers and sellers as we start the new year. Plus, we'll compare the national median home values to ours in northern Nevada courtesy of Sierra Nevada Realtors. Shelley Vinson: 775-530-2560 or ShelleyV@orhp.com Brian Cushing: 775-453-0345 or Brian@thecushingteam.com Peter Padilla: 775-786-5515 or Peter@sageintl.com

Donate (no account necessary) | Subscribe (account required) Join Bryan Dean Wright, former CIA Operations Officer, as he dives into today's top stories shaping America and the world. In this Monday Headline Brief of The Wright Report, Bryan covers a massive FBI investigation into Somali fraud networks in Minnesota, the Trump administration's accelerating deportation and surveillance strategy, the growing political fight over prices and the Senate filibuster, improving drought conditions in the western United States, and major global developments from Africa, Latin America, China, and Australia. FBI Expands Probe into Somali Fraud Networks: FBI Director Kash Patel surged agents and resources into Minnesota following evidence of roughly nine billion dollars in suspected fraud tied to Somali-run daycare centers, Medicaid programs, food banks, and autism services. Investigators are now examining whether state officials and Democratic politicians enabled the schemes by shutting down early warnings. Bryan explains how viral footage showed dozens of fake daycare centers with no children enrolled, yet receiving massive public funds. Political Fallout and Questions for Democrats: Reports indicate that some Somali donors involved in the fraud also contributed to Democratic campaigns across multiple states. Governor Tim Walz previously halted fraud investigations after activists claimed discrimination. Bryan raises questions about whether these networks were used to generate political donations and votes, calling the potential scale of abuse "almost unimaginable." Trump Escalates Immigration Enforcement: ICE expanded highway operations targeting illegal migrant truck drivers in multiple states, while also arresting migrants at court check-ins who then skipped hearings, making them automatically deportable. The administration is deploying advanced tools, including facial recognition, license plate readers, and data from the IRS and Social Security Administration, to locate illegal migrants. Trump also increased the voluntary self-deportation bonus to $3,000, with airfare included, if migrants leave by December 31. Surveillance Tools Target Extremists: The same tracking systems are now being used to identify Antifa members and left-wing agitators under investigation for violence. DOJ officials say the effort responds to intelligence showing left-wing terrorism is now more prevalent than right-wing violence in the United States. Prices and the Filibuster Fight: President Trump warned that inflation and pricing will decide the 2026 midterms. With another government shutdown looming in January, he urged Senate Republicans to eliminate the filibuster to pass healthcare reform. A new GAO audit found widespread Obamacare fraud, including subsidies paid to deceased individuals and duplicate Social Security numbers. Western Drought Conditions Improve: California's drought has eased significantly, boosting agricultural water supplies. Lake Mead rose by three feet following recent storms, adding roughly seventy-two billion gallons of water, more than southern Nevada's projected annual usage. U.S. Strikes ISIS in Nigeria: The Pentagon launched missile strikes on ISIS training camps in northern Nigeria in coordination with the Nigerian government. Democrats criticized the strikes, while the White House rejected claims of racial motivation. Bryan warns that Islamist groups are attempting to establish a caliphate across central Africa. Trump Expands Influence in Latin America: The United States will reopen a strategic base in Manta, Ecuador, to counter narcotics trafficking and monitor Chinese influence. Conservative allies backed by Trump also won elections in Honduras, strengthening U.S. leverage across the region. China Signals Military Threats: Photos released by Chinese media show ballistic missiles concealed in cargo ship containers, a tactic that could be used to attack U.S. forces or ports during a conflict. Bryan says the images were deliberately leaked and amplified by Chinese bots as a warning to the West. Australia Downplays Islamist Attack: Australian officials claimed a recent ISIS-inspired attack on Jews was not religiously motivated, drawing sharp criticism. Bryan argues that refusing to acknowledge the crisis within Islam mirrors decades of Western denial and will lead to more violence. Listener Questions Close the Episode: Bryan answers questions on Ukraine's mineral deals, fuel supply risks tied to California refinery closures, and whether the American republic still exists. He argues the United States now functions more like a parliamentary democracy and explains why the filibuster debate reflects that deeper shift.   "And you shall know the truth, and the truth shall make you free." - John 8:32     Keywords: FBI Somali fraud Minnesota, Kash Patel investigation, Tim Walz daycare Medicaid scandal, ICE deportation surveillance tools, self deportation bonus Trump, Antifa terrorism DOJ tracking, Obamacare fraud GAO audit, Lake Mead drought recovery, U.S. Nigeria ISIS airstrikes, Ecuador Manta base Trump, Honduras election Asfura, China cargo ship missiles, Australia ISIS attack denial, filibuster healthcare reform debate

It's been another interesting year in the world of personal finance and macroeconomics. As we look ahead to 2026… well, who really knows what's coming? I'll be sharing my own take—and making a few predictions—in an upcoming episode. What's hard to ignore is just how unusual this moment in history is. We're coming off COVID. We went through a rapid rise in interest rates, and now a pullback. Tariffs are back in the conversation. There are a lot of moving parts, and as usual, the consensus hasn't exactly nailed it. Almost every expert was convinced tariffs would push inflation higher. I expected at least a temporary bump—some transient inflation while markets adjusted. Then the CPI report came out at 2.7%. That's a lot closer to the Fed's 2% target, and nearly half a percentage point lower than expectations. Clearly, something else is going on. At the same time, GDP came in at around 4.3% growth. That's real strength. Inflation is coming down, growth is strong, and while the labor market is still a little murky, there's no question there's underlying momentum in the system. Investors haven't quite felt it yet. It's been a sticky environment. But my sense is that we're getting closer to a shift—more liquidity, more money in the system, and markets that may start moving meaningfully again. Of course, we'll see how it all plays out. For this episode, my producer Phil pulled together some of the highlights from the show in 2025—a look back at the conversations and ideas that stood out in a year when the data kept surprising just about everyone. I hope you enjoy it. And again, happy holidays. Merry Christmas, and Happy New Year. Transcript Disclaimer: This transcript was generated by AI and may not be 100% accurate. If you notice any errors or corrections, please email us at phil@wealthformula.com.  Welcome everybody. This is Buck Joffrey with D Wealth Formula Podcast, coming to you from Montecito, California and, uh, want to wish you, first of all, a happy holidays. Merry Christmas, happy new Year, all that. And, uh, yeah, it’s been, uh, it’s been another, uh, another interesting year in the world of personal finance and macroeconomics is what, what we talk about on the show. And as we look forward to 2026, gosh, who knows what’s gonna happen, right? Uh, well I’ll give you my take in, uh, show coming up where I’m gonna make some predictions. However, you know, it’s just, it, it, it’s just such an unusual time in, in history. Um, as we kind of look at. Coming off of COVID and having those high interest rates and then coming, uh, coming down and then having Trump elected and now the tariffs and well, gosh, who knows? Right? I mean, just for example, you know, almost every expert was pretty much guaranteeing that inflation would go up because of the tariffs. I mean, even if it was transient, which frankly I thought it was gonna be transient, meaning that there was gonna be a bump in inflation. For a period of time until there was a readjustment after tariffs. Well, TPI comes up most recent CPI is actually 2.7. You know, that’s much closer to the fed target of 2%. And, um, 2.7 was, you know, I think, uh, almost a half, half percentage point less than the expected, uh, CPI, uh, report. So that, that’s obviously something else is going on there. And then. GDP numbers came out and we had a four handle. It was like 4.3, I believe, GDP. So we’ve got incredible growth. We’ve got decreasing inflation. The labor market is still, I know, a little unclear, but it seems like there’s a lot of strength in this market. Of course, it’s really sticky investors. We haven’t quite felt that strength yet, but I do think you need to start anticipating. That markets are gonna come back pretty heavy, uh, with increased liquidity, uh, and a lot of money in the system. But we shall see, uh, this show. What we’re gonna do here is, uh, my, uh, producer Phil put this together, but it’s basically some of the highlights of, uh, the show in, in 2025. So hopefully you enjoy it. Uh, and again, happy holidays. Merry Christmas, new Year. And we’ll be back right after these messages. Wealth Formula banking is an ingenious concept powered by whole life insurance, but instead of acting just as a safety net, the strategy supercharges your investments. First, you create a personal financial reservoir that grows at a compounding interest rate much higher than any bank savings account. As your money accumulates, you borrow from your own. Bank to invest in other cash flowing investments. Here’s the key. Even though you’ve borrowed money at a simple interest rate, your insurance company keeps paying. You compound interest on that money even though you’ve borrowed it at result, you make money in two places at the same time. That’s why your investments get supercharged. This isn’t a new technique, it’s a refined strategy used by some of the wealthiest families in history, and it uses century old rock solid insurance companies as its back. Turbocharge your investments. Visit wealth formula banking.com. Again, that’s wealth formula banking.com. How do you approach the process of identifying stocks that are maybe best suited for consis consistent cash flow? Or do you just pick the stocks that you like and, and create the cash flow? Or are, you know, fundamental metrics that maybe you prioritize? Yeah, the, the, the first thing to determine. I think real estate investors understand this is if I were to invest in real estate, I’m gonna determine whether I’m gonna be a flipper, or I’m gonna try and buy low forced depreciation, sell high. Or if I’m gonna be a cashflow investor where I might invest in syndication, or I am, I’m gonna have tenants in property management. And the same is true with stocks. Most people start off by thinking about price rather than cash flow. They think about buy low, sell high, like a house slipper, and that’s, that’s less tenable in stocks because in real estate, if I buy low and sell high, I can do things to force appreciation. I can renovate, I can get new management, I can put in new appliances. I, there’s things I can do to force appreciation. But once a person buys a stock, there’s absolutely nothing you can do to make the stock price go up. But if you take a a, if you think of it like a real estate investor. You think about it like owning a business where the priority, as you mentioned these metrics, the priority is, Hey, what kind of cashflow will this produce be in terms of dividends and in my case, option premiums. And so some of the key metrics is, you know, if I, I’m basically buying a financial statement, same as real estate. You know, I, I, I, it is just a little different numbers in real estate. I wanna know what the net operating income is. In stocks, I might wanna know what the EBITDA is ’cause they’re essentially looking at the same types of things in real estate. I wanna know what the cap rate is in stocks. I wanna know what the PE ratio is, which is just the same number inverted. They just put the price on the top instead of the bottom. To me, I don’t see a difference between real estate and stocks, uh, in that they’re both a business or they charge someone for a good or a service. And there’s either cashflow there at the end of it or not. If people take a cash flow approach, they can begin to build on their passive income. And that contributes to that blueprint we mentioned earlier to get ’em outta the route race. So if you take a Warren Buffet approach, the most important number in that business is operational cash flow or earnings. Meaning does what they do, their operation. You know, you walk in there, a nice operation you got going here, you know, trucks are moving and you know, products are being built and shipped and, and nice operation. If they’re earning money, that means that’s the life flood of the business. That means it’s got a good moat. That means it’s pretty protected and that allows them to do two things for me. Number one is a dividend, which is exactly the same thing as a distribution in real estate. Uh, there is no difference, uh, in a syndication. I have a whole bunch of investors I’ve joined with where you have a share of this project and when the earnings come out, they distribute the, the distributions among the share shareholders. Same is true with stocks. They take the earnings, uh, we call it a payout ratio, and they take a, a, a significant amount of that money and they pay it in a dividend, same as a distribution. But what I do that’s a little bit unique buck is, uh, is I also have the options market on my side. Where I can use options to control risk, uh, to get guarantees where I can buy and sell, but even more importantly, I can offer, uh, and get paid for making promises to people. This is very much a Warren Buffet deal where it, it brings a significant increase to my monthly cash flow beyond the dividend, up to three, two and three times. Uh, the amount of money, two to 300% more cash flow. By being involved in the options market and that’s, that’s a nice secret sauce. The yield max Tesla option income, ETF, which is TSLY. And basically what it does is. Is it just does a series of longs and shorts and, and then generates what looks like to be kind of a, a ridiculous amount of, uh, dividend, uh, per, per month. So what are we missing here? What, what’s, well, you’re, you’re basically hiring those guys to mow your grass. It’s just like any other mutual fund or any other. They’re doing something you could absolutely do by yourself and not pay them a fee. There’s two cultures. There’s the advice culture and there’s the education culture and the advice culture. People say, look, I don’t wanna learn anything. Just gimme the advice. Well, you’ll pay for that in fees. And the problem with doing that is if you really listen to Warren Buffett, which 1% is enormous. Because in the wealth blueprint that we do for people, we use compounding. We use the compounding calculator to see what we’re gonna need. You drop that 1%, you give up 1% of your compounding powers as an investor over your life, it, it wouldn’t seem like 1%, but Buffet knows the truth. It’s enormous. So yeah, absolutely there are ETFs and there are funds that will do exactly what I do or what I teach people to do, but we have some advantages in doing it yourself because risk is about control. I trust myself more than I trust those guys any day of the week. And like I say, I’m doing this by month, so yeah. But it’s legit. How do you even make predictions? And second of all, I mean presumably you still have some forecasts over the next, uh, 12 to 24 months, and maybe you could tell us a little bit about that. Our methodology lends itself to times of uncertainty like this, and that’s the benefit of really relying on the leading indicators that we have. Now. We do have to take a little bit of a different approach. We have to look at data in a lot higher frequency today. You know, a lot of the data you get from government sources or quarterly data, monthly data, but we’re having to track weekly trends with the ever-changing environment that we find ourselves in. So we’re not surprised by the time any monthly or quarterly data comes out. The level of uncertainty that we’re dealing with is certainly unprecedented. I share an index each day, um, and we are three times more uncertain today than we were at the height of the pandemic. You know, put that in perspective, right? Yeah. So we do have to adjust, um. The, the way that we’re looking at data with higher frequencies, we also have to rerun a lot of these correlation analysis. Every single time we get a new data point to see are these lead times becoming more condensed? Do we have to make adjustments in our models as a result to maybe data reacting quicker than it might have in the past? So those are some of the ways that we’re, we’re continuing to evolve in these interesting times we live in. This relates to our forecast. Our team expected some weakness in the first part of this year, and, and we knew that coming in with the, with the tariffs that were proposed during President Trump’s campaign, we did have a weak first quarter GDP number forecast. Our team was 0.1% off of nailing that first quarter GDP number, so they were right on the money there. Uh, we were very impressed with that, but we do expect a sluggish first half of the year. We call it the recovery phase of the cycle. What we mean by that is our growth rates are still building momentum, but are still negative year over year. You know, ITR. Really known for its emphasis on leading indicators. So which of the leading indicators you guys rely on the most when and, and I guess which are flashing red or green right now? I’ll give you one of each. Uh, yeah. The one we’re in right now, we look at the purchasing managers, index isms, purchasing managers index. Now we look at at on a one 12 basis. What I mean by that is we compare the most recent month, the same month one year ago. The reason we look at it on that basis is it gives us 12 month lead time into the future when you correlate it to the economy. That index was recently rising until we got the most recent month of data, and then it dropped back down. So that is giving us the mixed signal of, hey, we need to be a little bit more concerned about the prospect for growth moving forward. Now the opposite is true when we look at an indicator called capacity utilization. What Capacity utilization measures, it’s about an eight month lead time to the economy. So still a nice view into the future, but what it measures is output over capacity, and that actually continues to improve meaning. And again, really all that means on a simple level is we’re utilizing more of our existing capacity, so we’re getting busier. If we look at the consumer side of inflation that the Fed’s more concerned about in terms of setting policy, we have inflation essentially flat this year from where we are today. Now, if you look at the CPI, it’s at 2.8%. Our projection for the end of the year is 2.8%. We don’t see inflation coming down much at all. As a result of that, that’s why you’re seeing Chairman Powell back off being able to cut rates and is holding these rates steady because he sees these higher inflation risks as well. And so from our perspective, it’s very unlikely you see any meaningful interest rate decline this year. Yeah. Now again, the second quarter, GDP number can have an impact on that. We do see a very weak second quarter chairman Powell alluded just a couple of days ago to some slack in the labor market. Maybe you can get a quarter point if we have a really weak second quarter, quarter point cut, but it just seems very unlikely given how persistent inflation has been. And so we tell all of our clients, prepare for interest rates to be relatively flat this year, and prepare for interest rates to rise through the balance of the second half of the decade. It’s not just tariffs, it’s employment costs, it’s electricity costs, it’s material costs. There’s a lot more driving higher inflation than just tariffs. What macroeconomic trends are you watching right now with regards to how they’re shaping the markets today? I think there’s really three things right over the long run. They’re gonna debase the currency, that’s gonna be a persistent tailwind for all liquid, uh, assets, including stocks. Bitcoin gold and bonds. And then I think that you also are going to have a, uh, very interesting dynamic around all these tariffs, uh, and kind of the administration’s economic policies. And then the third thing is that there is a whole technology, uh, trend to, uh, pay attention to. Uh, obviously innovation is very deflationary. Uh, we’ve got, you know, things from humanoid robots to rockets to gene editing, to uh, to crypto and everything in between. And so I think those three things really tell the story of where, uh, markets potentially go in the future. When I grew up, um. S and P 500 was the benchmark. There’s a risk-free rate in bonds. I believe that my generation and younger sees Bitcoin as the benchmark. And so, uh, it’s very simple. If you can’t beat it, you gotta buy it. And I think that there’s institutions around the country who are realizing they can’t beat the benchmark and therefore they will end up buying it. And really, to me, that is, uh, maybe the most interesting. Part of the entire conversation is that Bitcoin obviously has risen significantly on a percentage basis in appreciation. Bitcoin has kind of infiltrated every corner of finance, but most importantly is it has transitioned from a high risk, you know, kind of asymmetric type asset to now it’s becoming the hurdle rate uhhuh. And if you’re the hurdle rate, you suck up a lot of capital. Yeah. Because there’s not a lot of people who can beat you. And I think that that is a very powerful position for Bitcoin to be in. And that’s how you infiltrate into, uh, the institutional portfolios. Bitcoin will stop going up. When they stop printing money. I don’t think they’re gonna stop printing money, so I don’t think Bitcoin’s gonna stop going up. That’s kind of one huge component of this. The second thing is that Bitcoin is very unique in that the higher the price goes, the less risky it is deemed by the largest pools of capital. Mm-hmm. And so usually, you know, if NVIDIA’s at a $4 trillion market cap, people like, oh, it might be overvalued there. A lot of debate. Right. Bitcoin if it was at a $4 trillion market cap would be way less risky than it when’s at 2 trillion. And so there is a lot of structural advantages, both from the legacy world but also from the Bitcoin market that I think will continue to lead to these large institutional capital pools. Uh, allocating some percentage. And the beauty is right now we have very small adoption in that world. Uh, it’s only gonna get bigger. It’s only gonna get more normalized. And I think that one of the parts people really underestimate when it comes to Bitcoin is how important time passing is. You know, if you think back, uh, there is not anyone under the age of 16 that has lived their life without Bitcoin existing. If you’re keeping large chunks of money in savings account, paying less than 1% or any percent less than inflation, you’re bleeding wealth every single day. It feels safe. It looks safe, right? ’cause the numbers may not be moving nominally but it, but it’s not safe. It’s a bucket with a hole in the bottom and you don’t even notice until it’s almost empty. That’s why the wealthy don’t hoard cash. They own assets. They own assets that inflate with inflation. If you can’t beat ’em, join them. They buy things that grow in value as dollars shrink because they understand the system. They don’t fight it, they ride it. So you’ve said many times that the current monetary system is broken and headed for reckoning. So from your perspective, what are the core flaws in the system right now and how do we get here? Well, probably the largest and most obvious underlying flaw in the monetary system is the fact that the federal government just can’t balance its budget. And so they have to take on debt to cover the deficit that they run and that deficit. Well, you know, over the course of the last 20 years, it’s gone up and down. More recently, it’s gone mostly up and, uh. We just came through a period where, you know, it was reemphasized to everybody. Just what a problem this is. Because as you’ll recall, when Trump was first elected, they were talking about those, the Department of Government Efficiency and cutting expenses and you know, maybe 2 trillion or 1 trillion. Of course, then Elon got frustrated and left and the numbers have come down and you know, Trump and the Freedom Caucus was saying they were gonna try and balance the budget or at least cut expenses. And of course, what we know is that they just passed this big beautiful bill. Which really increases the deficits and they bump the debt, uh, ceiling up by another $5 trillion. So sadly, what do many of us have seen and been saying, which is to say they just can’t stop, kind of continue. Seems to be continuing. And, um, you know, the reason why that, just to close the full circle, the reason why that matters is they, they do this debt, they issue debt to cover these deficits, and then the debt requires interest payments and, you know, there’s not enough money to make the interest payments. And so. They more or less have to print the money, you know, and inflate the money supply to keep the system going. And that’s why it’s so important to hard assets. You know, we need to grow the economy at, you know, 4, 5, 6, 7% a year, which, which we’ve never really done on real terms. Well, I think that is kind of what they’re projecting it might be, but it, it’s gonna be harder than hell to achieve. I mean, it just, where you can’t just snap your fingers and create that growth. Now, don’t get me wrong, if you start to, if you ramp up inflation. If you have 10% inflation, well then the GDP number’s gonna get bigger, fast. And so really the model they’ve used, they call it the R Star model, is that they’ve got to have faster growth. Growth rate has to be higher than interest rates, or else you’re in a debt spiral. And so what’s been happening is, by the way, that’s why Trump wants to take interest rates down so much. You know, he is called for a 300 basis point cut. Imagine right now with inflation running at three plus percent, if they cut rates to one point a half percent or one point a quarter percent, I mean, it would be good for the economy. People would refi their houses. You know, there were all kinds of, you know, growth, right? Huge. But in turn it would be inflationary, very inflationary. That’s the trap. They’re really kind of caught in. It’s a seventies kind of stagflation sort of environment. You know, if they don’t keep rates low, they’re not gonna have any growth. If they want to get growth, they’ve gotta keep rates low. That’s gonna lead to monetary creation, which is gonna lead to inflation. Look how it all resolves is very complicated and none of us know. Yeah, sure. But what I do know with very high certainty, with a lot of confidence is this is going to be an inflationary decade. It’s already been an inflationary decade, and because of the way the math is today is very highly likely to continue to be an inflationary decade until we fix this monetary system. Well, we have less than 3% adoption. Three goes to six fairly easily. You know, human beings underestimate how long change really requires, and then we really underestimate how much change actually occurs. Think the internet like we are moving into a digital planet, right? Robots are not going to use credit cards, man. They’re not gonna use, they don’t need visa. We don’t need middlemen. The cool thing about Bitcoin, unlike the Rolls Royce, is you don’t have to buy the whole Rolls Royce. You can buy a fraction of it. You know, you don’t, maybe you guys partner with each other to do apartment buildings. Well, you’re already doing fractured deals on apartment buildings, so Sure. It’s not really that different. 2%, 3% goes to six. I mean, it does go to six. You have the largest ETF in the history of ETFs, okay? This supersedes the goal. ETF by orders of magnitude. I study markets very, very well, price. Really gets people’s attention. I think price is, uh, 90% of Bitcoin. Like I am truly a supply and demand guy. Oh wow. 21 million. And you guys have lost four. You lost 4 million coins. Oh, how’d you lose the 4 million? You lost the 4 million. I know how you lost it. You mispriced it. Bitcoin has been mispriced every day. Its entire history. Dude. 19 million coins have been issued. The addressable market is 8 billion people. You don’t need ’em all. Yep. You just need a small function of those 8 billion to go, Ooh. 21 million units and and four have been lost. It’s already mispriced. Okay. They’re pricing Bitcoin at one 15 Today, assuming there’s 21 million units, we know there’s not. There’s 17, so the supply shrunk. The market caps at 2 trillion. Hello. The standard deduction for a household is now, uh, what in a low 32,000 range. And it turns out that 60% of the households in the United States cannot take advantage of itemized deductions. That is when they take their mortgage interest, property taxes, charitable deductions, they don’t get that number. And so there’s not as much benefit to home ownership as there used to be in the United States. With our big institutional players, nobody wants their appraised values to be quickly marked down to market, because if your competitors don’t do the same thing and they’re part of the index and benchmark that you compete against, you’re going to underperform. And so we’ve traditionally had a lot. Appraised values for real estate among the institutional players, especially. You don’t get this out of the private market, but you get this from the nare players, the institutional type players, and, um, and everybody’s, uh, uh, fearful of underperforming that index. I would prefer as a private investor just to go ahead, bite the bullet and mark it down. Now take the pain if in fact you’ve seen it go down. Some markets have seen property values go down 30, 35% even in multifamily, but they’ve bottomed out in the transaction market and, and absolutely the, uh, the appraisers are gonna have to bring it down and the owners are gonna have to ease up that pressure and say, yes, I want a realistic appraisal. But, um, but there is that fear of underperforming the index and that’s. What’s holding up the American appraisal firms in 2008, 9, 10, 11, we saw a lot of deep distress. The the smart money was ready for it. Now, there’s a lot of people with dry powder, as we say. Ready to p on the market hoping for some distress from those who cannot refinance now, whose, whose CMBS loan or other money is, is rolling. A couple points there. One is, I think you’re going to see more loan modifications this cycle than last time because they realize it’s temporary and they realize that not all properties are in trouble. And these tend to be the higher leverage properties. The smart private wealth investors tended to use conservative leverage over the last several years knowing we’d hit a cycle and, and they probably are 65% or less. Leverage some of the, um, greener newer investment managers might have gone up to 80% and might have even used variable rate debt when they shouldn’t have. They’re the ones getting nailed. They’re losing all their equity and that property is distressed. So there’s not that much of it out there. But there’s a little bit, and I would certainly pounce on it if you can find it. There are often a lot of sort of hidden costs associated with buying versus renting. Can you talk about trying to weed through some of that? Sure some of the highest costs that we don’t think about when we own, although we do take cut down on risk. And also I think that’s come back to consumption. I, I is the fact that there’s the opportunity cost. So think about having 50%, a hundred percent of your home paid for. This, it’s the opportunity cost. You’ve actually taken capital out of play at higher returns to put it into something that perhaps, yes, you see it as a form of an investment, but it’s also partly consumption. And I think that’s why many people end up paying for their homes when they can, because there’s an old saying, and that is, you can’t go broke if you don’t owe money on it. Right? So if you, it’s hard for the lender to come get your home and you don’t really care, right? You wanna be able to. Have no debt on your home. It doesn’t make the typical financial sense if we argue at it from leverage and returns and maximization of returns. I think most people this high end level are looking at, you know, I, I, I, I have high net worth. I’m looking at both consumption and the investment side of the component. But very often the consumption wins and the investment is I can be safe and I can own this house. Outright in many states too. Your homeowner, the home that you live in, you are actually, if you’ve homesteaded the home, you’re actually protected against lawsuits and other things that are out there. Divorce cases will protect your position in, in terms of a homestead, so you can protect a significant portion of wealth by having a paid for home. What are some of those markets that are really overpriced versus. I guess underpriced right now. So when we look at the top 10 most overpriced markets in America right now, we look at their prices, where they are and compare them to where they should be statistically modeling them. We’re seeing the most overpriced markets are Detroit at 33.5% and then falling, falling, descending. Order of Cleveland, Ohio. New Haven, Connecticut, Akron, Ohio, Worcester, Massachusetts, Las Vegas, Nevada, Hartford, Connecticut. Rochester, New York, Knoxville, Tennessee, Toledo, Ohio. You’ll notice. And these are overpriced. These are overpriced. These, the overpriced mark. That’s so, that’s sort of counterintuitive, isn’t it? Ab absolutely. But yes. Wow. Okay. And then h how about the, uh, underpriced markets? I’m curious on that too. Sure. So when we then go to the opposite end of the spectrum, and usually now with underpriced comes risk and there’s risk in both of these markets, what you wanna do, both overpriced and underpriced, what you wanna be long term in a housing market. Uh, ’cause you want to be really close to that trend and not have these dramatic swings. It’s just like stock price. We don’t like volatility. Housing, it’s, it’s dangerous for performance. The most underpriced markets. We only have four markets in America right now that are trading at a discount relative to their long-term pricing trend. In other words, statistically, where they historically prices say prices should be today only four cities are underperforming. That that’s Austin, Texas at 3.1% below where they should be, or a discount of 3.1%. San Francisco at a discount of 6.5%. Wow. New Orleans, Louisiana at a discount of 8.7 and Honolulu, Hawaii at a discount of 10.3. Notice I’m not saying these markets are inexpensive. They’re just below where they’ve historically been. These are the best buys right now because they’re below their long-term trend. One of our other indices, we call it our price to rent ratio. It’s really a PE ratio for rents versus home ownership. And then so we can look at that. So if you’re in our a hundred markets, we know the average price, right? So it’s gonna be priced, divided by the annual average rent. So it’s gonna be how many dollars in price do you pay for every $1 and annual rent? And that gives us the relative difference between owning and renting. The higher that ratio. The, the more you should on in general be leaning towards renting, the lower that ratio, the more you should be leaning towards owning. And we used to do an old buy versus rent index for 23 cities. We now do it for 100 cities. And this price to rent ratio produces almost the same exact answer. So when we look at the average price to rent ratio in an area and we just compare, are they above or currently are you above the price to rent ratio? Uh, for Los Angeles, California. Are you below it? If you’re above that average for say the last 10 years, you’re gonna be rent friendly. If you’re below it, you’re gonna be bio friendly. I can do this very quickly. Pick a California market you’d like to know about. Why don’t we try Dallas, Texas. Okay. Dallas, Texas. That one’s in the top 100 in terms of population. So Dallas, Texas, uh, their price to rent ratio is at about a, just below a 6% premium. In other words, that trade off between renting and owning is about 6% above where it should be, so it slightly favors renting. I’ll jump to the next index. If we look at actual prices in Dallas, there’s a slight premium. So it’s, it’s, it’s telling me, Hey, that my price to rent ratio’s high, slightly favoring ownership, but it’s probably because prices are a little high and they might change. Uh, Dallas has had a bit of a. Premium right now. So I will now go look at Dallas rents. My gut feeling is they’re gonna be below average and they are. They’re at about a 4.5% discount. So that’s just market dynamics in motion right there. And we can do that for a hundred cities pretty quickly. Mm-hmm. You make a lot of money, but are still worried about retirement. Maybe you didn’t start earning until your thirties, now you’re trying to catch up. Meanwhile, you’ve got a mortgage, a private school to pay for, and you feel like you’re getting further and further behind. Good news. If you need to catch up on retirement, check out a program. M put off by some of the oldest and most prestigious life insurance companies in the world. It’s called Wealth Accelerator, and it can help you amplify your returns quickly, protect your money from creditors, and provide financial protection to your family if something happens to you. The concepts here are used by some of the wealthiest families in the world, and there’s no reason why they can’t be used by you. Check it out for yourself by going to wealth formula banking.com. Welcome back to the show everyone. Hope you enjoyed it and uh, once again. Thanks again for listening. Uh, I truly appreciate your support. I hope, uh, I hope it’s been entertaining for you and that you’ll learn something along the way and, um, you know, always appreciate your feedback. Shoot me an email, bucket wealth formula.com. Let me know if there’s things that you want me to do. Let me know if there’s things you wanna hear more about. Uh, but hopefully it’s gonna be a good year and we’re gonna keep plugging away talking about the, you know, try to get educated myself and pass along information to you on Wealth Formula Podcast. That’s it for me this week on Wealth Formula Podcast. This is Buck Joffrey. If you wanna learn more, you can now get free access to our in-depth personal finance course featuring industry leaders like Tom Wheel Wright and Ken McElroy. Visit well formula roadmap.com.

Jalen and Josh are back for season 3 and a brand new NBA season. Make sure you subscribe so you never miss an episode.Make it legendary with BetMGM. Download the app today and use bonus code ROOMMATES to get up to a $1500 First Bet Offer on your first wager with BetMGM! https://betmgm.com/roommatesFull episode: https://youtu.be/CSYs7lV5CFcDon't let financial opportunity slip through the cracks. Use code ROOMMATES at monarch.com in your browser for half off your first year. That's 50% off your first year at monarch.com with code ROOMMATES.See https://BetMGM.com for Terms. 21+ only. This promotional offer is not available in New York, Nevada, Ontario, or Puerto Rico. Gambling problem? Call 1-800-GAMBLER (Available in the US). 877-8-HOPENY or text HOPENY (467369) (NY). 1-800-NEXT-STEP (AZ), 1-800-327-5050 (MA), 1-800-BETS-OFF (IA), 1-800-981-0023 (PR). First Bet Offer for new customers only. Subject to eligibility requirements. Rewards are non-withdrawable bonus bets that expire in 7 days. In partnership with Kansas Crossing Casino and Hotel. Gambling problem? Call 1-800-GAMBLER (Available in the US) 877-8-HOPENY or text HOPENY (467369) (NY) 1-800-327-5050 (MA), 1-800-NEXT-STEP (AZ), 1-800-BETS-OFF (IA), 1-800-981-0023 (PR) 21+ only. Please Gamble Responsibly. See BetMGM.com for Terms. First Bet Offer for new customers only. Subject to eligibility requirements. Bonus bets are non-withdrawable. In partnership with Kansas Crossing Casino and Hotel. This promotional offer is not available in New York, Nevada, Ontario, or Puerto Rico. TT: https://www.tiktok.com/@roommatesshowIG: https://www.instagram.com/theroommatesshowX/TW: https://twitter.com/roommates__show#NBAFreeAgency #DamianLillard #LukaDoncic #MikalBridges #BallIsLife #NBAUpdates #HoopsTalk #NBAHumor #HoopDreams #NBAComedy #BasketballPodcast #NBABanter #NBAStories #NBAInsight #ProBasketball #NBAFans #AllStarTalk #BasketballCulture #NBA2025 #NBAFreeAgencyNews #JalenAndJosh #GettingPaid #LillardStatue #RoastingKarlAnthonyTowns #KATroast #MikalAndLuka #PlayerOpinions #FunnyHoops #HoopsComedy #PlayerTalk #BasketballAnalysis #InsideTheNBA #NextLevelHoops #NBALegends #CourtTalk #PodcastHighlights #PodcastSnippet #TributeTalk #StatueDebate #PlayerChat #FanTalk #NBAHeatCheck #BallersBanters #HotTakes #BehindTheBanter #PodcastMoment #PodcastClips #KTLove #LillardLove #PlayerChat #BehindTheBanter #TheRoommatesPodcast #NewYork #Knicks #Basketball #NBA #NBAPlayers #nbaoffseason #offseason Hosted on Acast. See acast.com/privacy for more information.

Reality star Chad Ollinger is charged with OPEN MURDER after his cellmate is found dead from blunt force trauma. Ollinger was being held in the Clark County Jail in Las Vegas, Nevada, on a contempt charge and was due to be released in a few weeks when his cellmate was found dead in their cell. Ollinger starred alongside his father, Duane, in the reality show "Mystery at Blind Frog Ranch".See omnystudio.com/listener for privacy information.

This week, in Minden, Nevada, a horrifying scene in a lovely home, leaves suspicions squarely on the dead man's wife, who claims to have slept through a shotgun blast, and woke up to the front door being wide open. Detectives follow her around, waiting for a slip up. But did she actually do it? A drunken call to detectives changes everything, and opens up a whole different terrible, cold blooded plot!   Along the way, we find out that a rubber duck derby shouldn't be the central event of a festival, that chaotic people tend to seek chaos, and that you shouyld never get drunk, and call homicide detectives!!   New episodes, every Wednesday & Friday nights!! Donate at patreon.com/crimeinsports or at paypal.com and use our email: crimeinsports@gmail.com Go to shutupandgivememurder.com for all things Small Town Murder, Crime In Sports & Your Stupid Opinions!   Follow us on... instagram.com/smalltownmurder facebook.com/smalltownpod   Also, check out James & Jimmie's other shows, Crime In Sports & Your Stupid Opinions on Apple Podcasts, Spotify, or wherever you listen to podcasts!!

Jalen and Josh are back for season 3 and a brand new NBA season. Make sure you subscribe so you never miss an episode.Make it legendary with BetMGM. Download the app today and use bonus code ROOMMATES to get up to a $1500 First Bet Offer on your first wager with BetMGM! https://betmgm.com/roommatesFull episode: https://youtu.be/CSYs7lV5CFc Try the world's most awarded tequila for yourself. 1800Tequila.com 1800® Tequila. 40% Alc./Vol. (80 proof). Trademarks owned by JC Master Distribution Limited. ©2025 Proximo, 1800tequila.com. Please drink responsibly.See https://BetMGM.com for Terms. 21+ only. This promotional offer is not available in New York, Nevada, Ontario, or Puerto Rico. Gambling problem? Call 1-800-GAMBLER (Available in the US). 877-8-HOPENY or text HOPENY (467369) (NY). 1-800-NEXT-STEP (AZ), 1-800-327-5050 (MA), 1-800-BETS-OFF (IA), 1-800-981-0023 (PR). First Bet Offer for new customers only. Subject to eligibility requirements. Rewards are non-withdrawable bonus bets that expire in 7 days. In partnership with Kansas Crossing Casino and Hotel. Gambling problem? Call 1-800-GAMBLER (Available in the US) 877-8-HOPENY or text HOPENY (467369) (NY) 1-800-327-5050 (MA), 1-800-NEXT-STEP (AZ), 1-800-BETS-OFF (IA), 1-800-981-0023 (PR) 21+ only. Please Gamble Responsibly. See BetMGM.com for Terms. First Bet Offer for new customers only. Subject to eligibility requirements. Bonus bets are non-withdrawable. In partnership with Kansas Crossing Casino and Hotel. This promotional offer is not available in New York, Nevada, Ontario, or Puerto Rico. TT: https://www.tiktok.com/@roommatesshowIG: https://www.instagram.com/theroommatesshowX/TW: https://twitter.com/roommates__show#NBAFreeAgency #DamianLillard #LukaDoncic #MikalBridges #BallIsLife #NBAUpdates #HoopsTalk #NBAHumor #HoopDreams #NBAComedy #BasketballPodcast #NBABanter #NBAStories #NBAInsight #ProBasketball #NBAFans #AllStarTalk #BasketballCulture #NBA2025 #NBAFreeAgencyNews #JalenAndJosh #GettingPaid #LillardStatue #RoastingKarlAnthonyTowns #KATroast #MikalAndLuka #PlayerOpinions #FunnyHoops #HoopsComedy #PlayerTalk #BasketballAnalysis #InsideTheNBA #NextLevelHoops #NBALegends #CourtTalk #PodcastHighlights #PodcastSnippet #TributeTalk #StatueDebate #PlayerChat #FanTalk #NBAHeatCheck #BallersBanters #HotTakes #BehindTheBanter #PodcastMoment #PodcastClips #KTLove #LillardLove #PlayerChat #BehindTheBanter #TheRoommatesPodcast #NewYork #Knicks #Basketball #NBA #NBAPlayers #nbaoffseason #offseason Hosted on Acast. See acast.com/privacy for more information.

Good news: Kids in New York City public schools are benefitting from a system-wide ban on cell phone! They're socializing, and there is a noticeable improvement in focus. Bad news: Without their phones to assist them, these kids have no idea how to read analog clocks. Nicole and Jack discuss and weep for the nation's future. Also discussed in this episode of Hardly Focused: Nicole recounts her trip to Goodsprings, Nevada for the annual gathering of Fallout fans! "Mr. Goodman, please report to the office." Folks in the Massachusetts town of Haverhill are actually upset over the new Dunkin' plant smelling of fresh-baked donuts. FOLLOW and SUBSCRIBE! https://hardlyfocused.com/subscribe Learn more about your ad choices. Visit megaphone.fm/adchoices

Beckah credits her mother, who was raised in a Jewish family, as being a key influence in her spiritual development.  In her early 20's she was at an all time low and moved to Las Vegas, Nevada and joined a cover band.  While there she began to feel an empitness creeping in, she was searching for a home.  She searched online for a church then attended the worship service there.  Beckah says, "During the worship service, I was crying out to the Lord, 'Make a way out for me. I'm so sorry."In 2010 she accumulated two consecutive Top 10 hits at CHR radio for "Here in This Moment" and "Life" and was featured as iTunes "Discovery Download" of the week.  She also was nominated for a Dove Award in 2011 under the category of Urban Recorded Song of the Year for "Life."   Together with her husband, producer, Jack Shocklee, they have produced over a dozen full length albums. They reside in Nashville with their three daughters Joy, Grace and Hope. 

Bill holds down the fort with Jake & Andrew while Paul enjoys his time in Caribbean. They talk about the Chiefs moving to Kansas and make picks for week 17. *First Bet Offer $1500* 1. Download the BetMGM Sportsbook app on iOS or Android, or visit betmgm.com. Use the promo code BURR 2. Sign up and deposit at least ten dollars ($10.00) into your BetMGM Sportsbook account. 3. Place your first wager and receive up to $1,500 back in Bonus Bets if the bet loses. 4. If the bet does lose, your Bonus Bets will be available once your initial wager is settled. *First Touchdown* Place a pre-game, straight First Touchdown Scorer bet in any NFL game. If your player scores the first touchdown in the game, win your wager as normal. If your player scores the second touchdown in the game, you’ll get your stake back in cash. (Only straight bets apply to Second Chance. Any wager using a bonus bet, bonus or other reward token is ineligible for the campaign.) Gambling problem? Call 1-800-GAMBLER (Available in the US). Call 877-8-HOPENY or text HOPENY (467369) (NY). Call 1-800-NEXT-STEP (AZ), 1-800-327-5050 (MA), 1-800-BETS-OFF (IA), 1-800-981-0023 (PR). First Bet Offer for new customers only. Subject to eligibility requirements. Rewards are non-withdrawable bonus bets that expire in 7 days. In partnership with Kansas Crossing Casino and Hotel. See BetMGM.com for Terms. 21+ only. US promotional offers not available in New York, Nevada, Ontario, or Puerto Rico.

Anheuser-Busch is shuttering its 50-year-old Fairfield brewery—yet another business exodus from California. But don't expect the media to connect the dots. They'll blame the beer industry slump, maybe even reference that disastrous Bud Light marketing fiasco from 2023, but conveniently ignore the anti-business policies strangling the Golden State. We're talking crushing taxes, suffocating regulations, sky-high real estate costs, and unpaid unemployment debt being dumped on employers. After losing Chevron's 140-year headquarters and watching countless businesses flee to Texas, Florida, and Nevada, California officials are still scratching their heads wondering what went wrong. Meanwhile, 200 workers lose their jobs and the mayor gets to deliver the holiday bad news. Is anyone surprised that companies can't survive in a state hellbent on making business impossible? When will California admit its policies are the problem? If you're tired of watching preventable economic disasters unfold while the media plays dumb, hit that subscribe button and let's keep exposing the truth together.

A Nevada mother is now facing a first-degree murder charge in the death of her 5-year-old daughter — a stunning escalation in a case that has shaken northern Nevada. Prosecutors say new evidence led them to charge Andrea Loving in connection with the death of Izabella Loving, who investigators say suffered severe, ongoing abuse and neglect. With Izabella's father, Nicholas Loving, already charged, Law&Crime's Jesse Weber breaks down what changed with family law attorney Randy Kessler.PLEASE SUPPORT THE SHOW:Take your personal data back with Incogni! Use code SIDEBAR at the link below and get 60% off an annual plan: https://incogni.com/sidebarHOST:Jesse Weber: https://twitter.com/jessecordweberLAW&CRIME SIDEBAR PRODUCTION:YouTube Management - Bobby SzokeVideo Editing - Michael Deininger, Christina O'Shea, Alex Ciccarone, & Jay CruzScript Writing & Producing - Savannah Williamson & Juliana BattagliaGuest Booking - Alyssa Fisher & Diane KayeSocial Media Management - Vanessa BeinSTAY UP-TO-DATE WITH THE LAW&CRIME NETWORK:Watch Law&Crime Network on YouTubeTV: https://bit.ly/3td2e3yWhere To Watch Law&Crime Network: https://bit.ly/3akxLK5Sign Up For Law&Crime's Daily Newsletter: https://bit.ly/LawandCrimeNewsletterRead Fascinating Articles From Law&Crime Network: https://bit.ly/3td2IqoLAW&CRIME NETWORK SOCIAL MEDIA:Instagram: https://www.instagram.com/lawandcrimeTwitter: https://twitter.com/LawCrimeNetworkFacebook: https://www.facebook.com/lawandcrimeTwitch: https://www.twitch.tv/lawandcrimenetworkTikTok: https://www.tiktok.com/@lawandcrimeSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Today Jalen and Josh welcome their wives for a special edition!. Together they discuss being married to NBA players, answer to fan questions & much more. Make sure you subscribe so you never miss an episode.Make it legendary with BetMGM. Download the app today and use bonus code ROOMMATES to get up to a $1500 New Player Offer on your first wager with BetMGM! https://betmgm.com/roommatesThis month only, Get 50% off any new system. Go to https://SimpliSafe.com/ROOMMATESAT&T. Connecting changes everything.Show up in your bag, every time. DoorDash has what you need to win the watch party. DoorDash. In your bag all season longGIFT FROM THE HART WITH TOMMY JOHN & GET 25% OFF YOUR FIRST ORDER RIGHT NOW at https://TommyJohn.com/ROOMIES WITH PROMO CODE ROOMIES. Try the world's most awarded tequila for yourself. 1800Tequila.com 1800® Tequila. 40% Alc./Vol. (80 proof). Trademarks owned by JC Master Distribution Limited. ©2025 Proximo, https://1800tequila.com. Please drink responsibly.Don't let financial opportunity slip through the cracks. Use code ROOMMATES at https://monarch.com in your browser for half off your first year. That's 50% off your first year at monarch.com with code ROOMMATES.Conquer the Jungle with the Ford Bronco. Visit your local Ford Store for a test drive today.TT: https://www.tiktok.com/@roommatesshow IG: https://www.instagram.com/theroommatesshow X/TW: https://twitter.com/roommates__show00:00 - Intro01:02 - A Toast to the NBA Cup! (1800 Tequila Custom Segment)06:08 - 1800 Tequila Ad07:14 - Being Late10:38 - DMs from another women12:55 - Being Married to NBA Players16:08 - How many Roommates episodes have you watched?17:57 - Picture Me Scrollin' (SimpliSafe Custom Segment)29:53 - SimpliSafe Ad31:08 - Fan Connections (AT&T Custom Segment)37:06 - AT&T Ad38:05 - The Newlywed Game45:47 - Naming Black Movies50:50 - Fan Questions for the Wives1:02:36 - Delivery from Santa! (DoorDash Custom Segment)1:03:57 - DoorDash Ad1:05:10 - Gingerbread Houses1:06:05 - Pop Culture Headlines (Tommy John Custom Segment)1:08:55 - Outro for the Wives1:10:35 - Tommy John Ad1:11:25 - Monarch Money Ad1:12:41 - Tri-State Ford Ad1:13:28 - Picks of The Week (BetMGM Custom Segment)1:14:34 - BetMGM Ad1:15:26 - OutroSee https://BetMGM.com for Terms. 21+ only. This promotional offer is not available in New York, Nevada, Ontario, or Puerto Rico. Gambling problem? Call 1-800-GAMBLER (Available in the US). 877-8-HOPENY or text HOPENY (467369) (NY). 1-800-NEXT-STEP (AZ), 1-800-327-5050 (MA), 1-800-BETS-OFF (IA), 1-800-981-0023 (PR). First Bet Offer for new customers only. Subject to eligibility requirements. Rewards are non-withdrawable bonus bets that expire in 7 days. In partnership with Kansas Crossing Casino and Hotel. Gambling problem? Call 1-800-GAMBLER (Available in the US) 877-8-HOPENY or text HOPENY (467369) (NY) 1-800-327-5050 (MA), 1-800-NEXT-STEP (AZ), 1-800-BETS-OFF (IA), 1-800-981-0023 (PR) 21+ only. Please Gamble Responsibly. See BetMGM.com for Terms. First Bet Offer for new customers only. Subject to eligibility requirements. Bonus bets are non-withdrawable. In partnership with Kansas Crossing Casino and Hotel. This promotional offer is not available in New York, Nevada, Ontario, or Puerto Rico. Hosted on Acast. See acast.com/privacy for more information.

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