Podcasts about options

In the third hour, Matt Spiegel and Laurence Holmes were joined by Score football analyst Olin Kreutz to preview the Bears-Packers game Saturday in the wild-card round. After that, Spiegel and Holmes listened back to insight from ESPN analyst Matt Bowen on their show earlier in the week. Later, they discussed the Bulls-Heat game getting postponed Thursday due to condensation on the United Center floor on an unseasonably warm January day.

Matt Spiegel and Laurence Holmes were joined by Score football analyst Olin Kreutz to preview the Bears-Packers game Saturday in the wild-card round.

Ria and Mack Story share how dealing with a boss you can't stand boils down to three core options: Quit and Find a New Job and a New Boss: How you quit reveals A LOT about your character. Will you shine or whine?Stay and Be Proactive: addressing issues head-on through open communication and personal development as you rise above the friction.Stay and Be Reactive: moaning, groaning, and whining without building any trust or increasing your influence.Proactive choices often earn respect, maintain relationships, and open doors, while reactive choices create friction, rupture relationships, and decrease your influence.#careeradvice #careertips #careeradvancement #successtips

Welcome to episode 313 of Grow Your Law Firm, hosted by Ken Hardison. In this episode, Ken sits down with Eric Sanchez and Stacie Monahan of Maestro Strategic Partners for a practical conversation about what it really takes to scale a law firm without breaking the business. They dig into the role of a true second-in-command and executive team, why "yes people" and echo chambers quietly stall growth, and how firms have to re-engineer systems as they move from a small shop to a larger operation. Eric and Stacie also share what they're seeing in the market around technology and AI adoption, and why execution, culture, and strong middle management become non-negotiable as headcount and complexity rise. What you'll learn about in this episode: Why law firm growth requires "second-in-command" leadership - How strong executive teams unlock the owner's highest-value work - Why avoiding "yes people" prevents echo chambers and stalled success Scaling changes everything - Why what worked at 30 people breaks at 70, 100, and beyond - How intake and operations must be re-engineered as volume increases What Maestro Strategic Partners actually does - Fractional leadership, advisory support, and vendor selection guidance - Helping firms cut through "AI snake oil" and adopt tech that fits The real issue with "lifers" and blockers - Why longevity isn't the same thing as loyalty - Options: restructure, scaffold, isolate, or part ways to protect culture Culture and execution as competitive advantages - Why execution beats ideas and values help make hard calls fast - How technology is becoming mandatory for survival, not just growth       Resources: Website: mstratpartners.com LinkedIn: linkedin.com/company/maestro-strategic-partners Facebook: facebook.com/maestrostrategic Book: amazon.com/Invested-Leadership-Empower-Your-Heart/dp/1544547218 Additional Resources:    https://www.pilmma.org/the-mastermind-effect https://www.pilmma.org/resources https://www.pilmma.org/mastermind https://calendly.com/jenna-pilmma/strategy-session-with-pilmma   AI for PI Expo:   www.pilmma.org/ai-for-pi-expo

In this episode Joe Blewett from Jets X-Factor joins us to discuss the Jets roster based on his film review and shares his insight on the top college quarterbacks.  Be sure to follow him on twitter @Joerb31

NFL Network’s Steve Wyche joins the show to talk about what impressed him from the Seahawks win over the 49ers, what stood out from Sam Darnold’s performance, and a preview of how the playoffs could go. // Wyman & Bob go through the possible options to fill the holes the Mariners have in their roster. // We head into an alternative universe with some alternate outcomes in our What If Wednesday segment! 

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Apply to Join Churchfront Premium Apply to Join Churchfront Pro Free Worship and Production Toolkit Shop Our Online Courses Join us at the Churchfront Conference Follow Churchfront on Instagram or TikTok: @churchfront Follow on Twitter: @realchurchfront Gear we use to make videos at Churchfront Musicbed SyncID: MB01VWQ69XRQNSN   Carey Nieuwhof Interview - Podcast Notes Overview Conversation with Carey Nieuwhof about the shift in modern church worship from entertainment-focused to encounter-focused experiences, live streaming strategy, and church growth in the digital age. Key Themes 1. The Shift: Entertainment vs. Encounter The Problem with Modern Church Production Social media created a "copycat phase" where churches could suddenly see what megachurches were doing Churches adopted same equipment, same songs, same production values What was unique became ubiquitous - "we all became copies of each other" Gen Z is "the most marketed to generation in human history" and numb to production Quote: "Gen Z is the most marketed to generation in human history. And we're all kind of numb to the production. I don't think people are looking for hype. They're looking for hope." What People Actually Want Something real and tangible An experience of God, not just information about God Presence, not just presentation Transformation over information The Internet's Limitation Really good at delivering information (especially with AI) Cannot facilitate an encounter "There's something that happens in the room that doesn't happen online" 2. What "Encounter Over Entertainment" Looks Like The Tonal Shift Worship leaders being more sensitive to what's happening in the room, not just rehearsed transitions Preachers leaving space, not just hitting time marks Paying attention to what God might be doing (people crying, leaning in, visible reactions) Creating space to breathe Silence and Space "When I started in ministry, my goal was to get rid of as much silence in church as I could" Now: "Where else are you going to get silence? You don't get it unless you're in church" Don't have to fill every moment with words Can be silent or "noodle" on instruments while creating space Quote: "People's lives are so noisy and so crowded. I mean, we don't even sleep without white noise machines or anything like that. So where else are you going to get silence?" Evoke vs. Manipulate Can't plan a revival - it happens or it doesn't Job is to "set the table" and make space for the Holy Spirit Example: Great movies evoke genuine tears by accessing real emotions Cheap manipulation feels different Quote: "It's not our job as Christians to manipulate. It's our job possibly to evoke, to say, 'I'm going to set the table. I can't control the Holy Spirit.'" 3. The Liturgy Issue Modern Church is "Liturgically Malnourished" Liturgy = order of service (not an outdated term) Modern church handles joy and praise well Missing: contemplation, confession, lamentation, reflection Lost practices: prayers of confession, prayers of the people Carey's Confession Presbyterian background included prayers of approach and confession As church became attractional, prayer became "just an opportunity to clear the set for the sermon" Regrets thin prayers: "God, it's so good to be here today. We thank you so much. Amen." Quote: "It's like confess your sins to one another and you will be healed. We don't do that anymore. What if we did that?" Not Either/Or, But Both/And Keep good lighting, sound, production, and musicians who can play Add breathing room, texture, color, tone, mood Use liturgical calendar and historic practices adapted to modern context Don't approach Sunday as "slots to fill" Creative Freedom 52 Sundays = 52 blank canvases Already do this well at Easter and Christmas Can be more creative without confusing people Example: Good Friday Service Ended in darkness with no announcement Faded to black and stayed there People sat in uncomfortable silence, then slowly left "I wanted them to feel that discomfort... if you can even get a small sampling of that" Easter Sunday picked up in darkness, then sunrise/resurrection 4. Live Streaming Strategy Who Should Live Stream? Not every church needs to live stream everything Need good musicians to sound great online (around 400-500 attendance to have talent base) Need separate mix for online vs. in-house Poor production = "school play" - only interesting to those directly involved Quote: "A lot of churches, and these are well-meaning, beautiful Christian people. If you don't have the talent in production or in worship, you sound like a school play." Alternatives Stream just the message On-demand after, mixed in post-production Audio only if video isn't good Consider what strangers stumbling on feed would think The Discovery Argument Pre-COVID minority of churches streamed Now "everybody you want to reach is online" "All of non-Christian America, all the nuns, all the duns, all the atheists, all the agnostics, they're on the internet" Can't remember last time truly unchurched person hadn't watched online for weeks/months before visiting The New Foyer Online is now the foyer, not the physical lobby People investigate online before visiting By the time they show up, they're ready to go "further, faster" "They've already done their investigating. They've already asked ChatGPT all the questions" 5. Practical Service Design Handling Growth Pressure Multiple services create pressure to program everything tightly Solution: Trim 5 minutes from sermon Do 60-minute service with breathing room between Create more lobby/connection space Leverage outdoor space (if climate allows) Worship Set Strategy Don't need extended mix of everything Maybe two songs and a tag instead of three full songs "Sit in the tag for a while" Find the high-impact moments (example: bridge of "How Great Is Our God") Get to what matters, like talent shows do 90-second versions Quote: "You don't have to do the extended mix of everything, the seven minute version, do the tag. That would be great. Space is something that you can do in three minutes if you know how to do it well." Service Flow Examples Don't make people stand and greet (where else does that happen?) Have emotionally intelligent people on doors, not just available people Greet people the way THEY want to be greeted Consider kids moments, announcements, communion as natural transitions Call to commitment/involvement comes sooner now than 10 years ago 6. Online Presence Best Practices Website Design Design for new people first Show service times and location prominently (mobile friendly) Staff page is #3 most viewed - people want to see "are there people like me?" Use accurate photos (don't show 27-year-olds if congregation is 70+) Show actual diversity if you have it Quote (Seth Godin): "Culture is people like us do things like this. So what people are looking for, are there people like us?" Content Strategy Lead with best sermons, not just latest Most popular videos should be easy to find People don't care if it's from 2 years ago (still watching The Office) Have robust FAQ section for unchurched questions Position yourself for lost people, not just members 7. The Current Moment The Harvest is Ripe People are seeking more than maybe in past decade or two Culture is saturated with production - not the competitive edge anymore Mental health crisis caused by social media People desperate for something real What to Do Pray for it (spiritual activity) Make newcomer journey easy Take them somewhere when they show up Go deeper faster - they're ready Quote: "People come to church looking to find God, but sometimes all they find is us. They found a really cool song, they found a really great message, but they didn't actually find God in the midst of it." Give Them Meat Reference to Tara-Lee Cobble and The Bible Recap Provide historical context (helps Christians AND non-Christians) Don't be afraid to go deep on sin, gospel, redemption Write/speak in accessible "street Greek" like the New Testament Example Opening: "Hey, we're going back 3000 years. And there was a guy named David who was King of Israel. He was trying to keep the kingdom united because there was a north and a south. You can relate to that. These are divided times..." Quote (Tim Keller): "It's worse than you can possibly imagine and better than you can possibly dream." 8. Leadership Advice For Young Church Staff (25-40) Navigating Frustration with Leadership Write down actual issues you're facing (budget, staffing, expertise) Present respectfully, thoughtfully, submissively Good leaders will either provide resources or adjust priorities Identifying Toxic Culture Unrealistic expectations Unsympathetic to staff needs Expects 60-hour weeks with no life Toxic leader will get mad/defensive when approached Options in Toxic Environment Respectfully approach and share difficulties Accept the glass ceiling and stay Build healthy team within unhealthy body (temporary solution) Leave - "unhealthy bodies drive out healthy cells" Interview Questions for New Positions Ask to talk to current staff (not the pastor) Ask to talk to FORMER staff Find out who left and why Read Google reviews Have meals/experiences together (reveals character under pressure) Quote: "Ask around, ask if you have permission. Don't ask the pastor. Don't ask the pastor. Are you healthy? The toxic people, 'I'm so healthy.'" 9. Team Building & Growth Hiring Philosophy Only hire A players C players: you know immediately (late, unmotivated, incomplete work) - should be gone B players: good but not great - "it's too bad but we'll survive" A players: if they quit you'd need 3 people to replace them Quote (Netflix): "Adequate performance gets you a generous severance package." A Player Test If they knocked on the door saying "this is my last day," how do you react? C player: "Thank goodness, now I don't have to fire them" B player: "Too bad but we'll survive" A player: "Grabbing the waste basket and throwing up" Growth Wisdom Don't settle on staff because you're panicking Will eventually become bloated with no profit Profit = "permission to do this again tomorrow" (Seth Godin) Most businesses fail not from lack of vision but lack of cash Use tools like Working Genius to find right fit Don't just find A players - find A players with gifts your team needs Cultural Values Write them down and review regularly Ritz-Carlton: 26 values, reviewed 2-3 daily in team meetings Use to evaluate: "Where are we winning/losing with our values?" Catch team members exemplifying values Values help instill culture as org chart grows 10. Upcoming Projects Carey's New Book Topic: AI and the Future Church Thesis: "As the world becomes more artificial, we need to become more human as Christians" Church's future direction is human connection Expected publication: 2026 Latest Book "At Your Best" - about time, energy, and priorities Notable Statistics & Data Points 72% of teenagers have tried AI chatbots 31% prefer AI companionship to human companions Pre-COVID: minority of churches streamed services Can't recall single unchurched person who didn't watch online for weeks/months before visiting Around 400-500 attendance: churches start having talent base for good production 80-95% of church growth in America is conversion growth (not transfer) Top 3 website pages: Homepage, Messages, Staff/About Production Quality Basics Good Enough to Stream Great singing (doesn't need to be phenomenal) Decent lights Pretty good mix Can work with church of 150-200 with good coaching Everything else can be helped with technology Bare Minimum Great guitarist + great vocalist = "off to the races" Don't feel pressure to have full mediocre band Add musicians as you find/afford great ones Practical Takeaways Create space in services - silence, breathing room, sensitivity to the room Recover lost liturgical practices - confession, lamentation, contemplation Go deeper faster - people are ready for meat, not just milk Design for online discovery - unchurched people are investigating you Lead with best content - not just latest content Only hire A players - don't panic hire when growing Build real human connection - counter to increasingly artificial world Make newcomer journey easy - they're ready to engage quickly Be creative with 52 Sundays - not just slots to fill Focus on encounter over entertainment - production supports experience, doesn't replace it Questions for Further Reflection How can we create more space for confession in our services? What would it look like to "evoke" rather than "manipulate" in worship? Are we positioning our online presence for unchurched discovery? Is our production supporting encounter or replacing it? What emotions are people carrying into our services, and how do we acknowledge that? Are we moving too fast for the Holy Spirit to work? Memorable Quotes "I don't think people are looking for hype. They're looking for hope." "People aren't looking for more information. They're looking for presence, not just presentation." "The internet is really good at information, especially with AI. You want to know anything, you can find out anything, but the internet can't really facilitate an encounter." "It's not our job as Christians to manipulate. It's our job possibly to evoke." "Where else are you going to get silence? You don't get it unless you're in church." "If you don't have the talent in production or in worship, you sound like a school play." "Everybody you want to reach is online." "Your foyer has moved online." "People come to church looking to find God, but sometimes all they find is us." "As the world becomes more artificial, we need to become more human as Christians." "Adequate performance gets you a generous severance package." "Profit is permission to do this again tomorrow."

TSN Hockey Insiders Darren Dreger and Pierre LeBrun joined OverDrive to discuss the headlines around the Maple Leafs seeking options to add to the team, the trade value of the roster, the Flames' rebuild direction, the Atlantic Division trek and more.

Learn how to use the expression “keep your options open,” a phrase people use when they haven't yet made a decision.Explore the full lesson & practice using today's expression: https://plainenglish.com/expressions/keep-your-options-open--Plain English helps you improve your English:Learn about the world and improve your EnglishClear, natural English at a speed you can understandNew stories every weekLearn even more at PlainEnglish.comMentioned in this episode:Hard words? No problemNever be confused by difficult words in Plain English again! See translations of the hardest words and phrases from English to your language. Each episode transcript includes built-in translations into Spanish, Portuguese, Chinese, German, French, Italian, Japanese, Polish, and Turkish. Sign up for a free 14-day trial at PlainEnglish.com

The White House said Tuesday that President Donald Trump is “discussing a range of options” to acquire Greenland making clear that using the US military is not off the table. Rep. Jake Auchincloss joins Anderson to discuss. Prominent lawyer George Conway joins Anderson to talk about his candidacy for an open house seat in New York, which is heavily democratic and encompasses most of central Manhattan. Conway is running as a Democrat. He is a former Republican who gained a lot of attention criticizing President Trump while his-then wife Kellyanne Conway was a Trump advisor. Learn more about your ad choices. Visit podcastchoices.com/adchoices

The world reacts to Stephen Miller telling Jake that the United States is going to take Greenland. Plus, a new Capitol rally after the deadly riots there five years ago today incited by President Trump who then refused to accept that he lost the 2020 election.  Learn more about your ad choices. Visit podcastchoices.com/adchoices

The White House said it was considering “a range of options” to acquire Greenland and that using military force is “always an option”. Hosted on Acast. See acast.com/privacy for more information.

D-Lo & KC talk NFL this hour and were joined by The Athletic's Jason Jones.

In this episode of the Massive Passive Cashflow Podcast, Gary sits down with Terry Roberts, a seasoned mortgage broker with over 15 years of lending experience and a deep specialization in VA loans, investor financing, and non-traditional mortgage strategies. Terry shares his powerful journey—from homelessness, being a high school dropout, and a teenage father, to serving nine years in the U.S. Marine Corps and ultimately becoming a nationwide mortgage broker with access to 160+ lenders. His unique background in military leadership, business operations, and mortgage innovation gives him a rare perspective on how financing really works behind the scenes. Throughout the conversation, Terry breaks down why working with a mortgage broker vs. a retail bank loan officer can dramatically expand financing options for buyers and investors. He explains how veterans can strategically use VA loans to acquire duplexes, triplexes, and fourplexes with little to no money down, how eligibility truly works, and how military families can build long-term wealth through real estate. We also dive deep into investor-focused loan programs most agents don't even know exist—such as asset depletion loans, rental-income-based financing, and loans that don't require tax returns, W-2s, or traditional income documentation. Terry explains how these options open doors for 1099 earners, real estate agents, retirees, developers, and foreign investors looking to invest safely in U.S. real estate. The episode wraps with a candid discussion on interest rates, Fed rate cuts, the 10-year Treasury, refinance strategies that actually make sense, and why trying to time the market often costs investors more in the long run. Whether you're a real estate agent, investor, veteran, or buyer trying to navigate today's complex lending landscape, this episode delivers clarity, strategy, and practical insights you can apply immediately.     What You Will Learn: How mortgage brokers unlock better loan options than traditional banks The real difference between a broker and a retail loan officer How veterans can use VA loans to build wealth with little to no money down Using VA loans for duplexes, triplexes, and fourplexes How VA entitlement actually works (and why it's not based on property count) Investor loan options that don't require tax returns, W-2s, or pay stubs How rental-income-based loans work for investors and 1099 earners Asset depletion loans for retirees and high-net-worth investors Financing strategies for real estate agents who can't qualify traditionally Loan options for land, development, and mixed-use projects Can foreign nationals invest in U.S. real estate? (Yes—and how) Why Fed rate cuts don't directly control mortgage rates Why the 10-year U.S. Treasury matters more than Fed announcements When refinancing makes sense—even if your interest rate increases How refinancing can eliminate high-interest debt and improve cash flow Simple ways to lower monthly payments without refinancing Why relationships—not transactions—drive long-term success in real estate     Links & Resources: Facebook: https://www.facebook.com/TerryRobertsNMLS397987 Instagram: https://www.instagram.com/mortgagetipdaily LinkedIn: https://www.linkedin.com/in/terrydroberts/ Youtube: https://www.youtube.com/@mortgagetipdaily Website: terryroberts.com Email: troberts@emortgagecapital.com Attention Investors and Agents: Are you ready to scale your real estate business and connect with like-minded professionals?

Tyler Bowen from the US Naval War College joins us to discuss his recent TNSR article "Threading the Needle: The Logic of Conventional Coercion in Nuclear Crises." We discuss the renewed interest in nuclear deterrence given recent global security developments such as Russia's war in Ukraine and China's nuclear expansion. The conversation also explores the challenges and frameworks, particularly Bowen's "conventional options theory," key historical case studies involving nuclear crises, and their lessons for modern policymakers.

It's the offseason debut of the latest Minnesota Vikings news! Dianna Russini reports the Vikings will bring back McCarthy but are looking for ‘established options' him; Why are Vikings fans so ready to already bail on McCarthy; What other bins of quarterbacks will the Vikings pursue; Plus other Vikings news and more on Purple Daily.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Today we jump back 15 years to the Dec. 30, 2010 episode of the PWTorch Livecast featuring PWTorch assistant editor James Caldwell and PWTorch columnist Greg Parks discussing with live callers possible ways to debut Awesome Kong in WWE, when she might debut, John Cena's injury, possible WrestleMania 27 main events & possible Mania events if Cena and/or Taker are inactive, Parks's live perspective on the Smackdown TV taping, lots of talk about WWE's mid-card (Jackson Andrews discussion), WWE's lack of continuity with Nexus storyline aspects and whether the loose strings will be addressed, and more.Then in the previously VIP-exclusive Aftershow, they discussed Eric Bischoff's role in TNA in 2010, TNA incorporating a concussion angle into storylines having nothing to do with anything, Immortal & Fortune's loose association, Genesis, Matt Morgan vs. Mr. Anderson, and some NFL and College Football talk to conclude the show.Become a supporter of this podcast: https://www.spreaker.com/podcast/wade-keller-pro-wrestling-podcast--3076978/support.

Anthony responds to a trade idea from a listener but points out why he'd like to open flexibility for the buyout market. Then, Anthony marvels at Rob Pelinka somehow failing to build a competitive roster now while also not having planned for any kind of future via an asset cache. It's honestly impressive. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Matt Perrault is back to look at the NFL futures market plus a conversation about the Raiders future with Jesse Merrick of the Silver and Black Sports Network 

More investors—especially Millennials and Gen Z—are treating markets like a casino. Not because they're reckless, but because the traditional path to financial security feels broken. Lance Roberts & Jonathan Penn break down Financial Nihilism vs. Financial Planning: why speculative behavior is rising, and what still works when confidence in long-term investing erodes. Options trading, crypto, meme assets, and betting apps offer fast outcomes in a world where housing is expensive, debt is high, and patience feels unrewarded. 0:00 - INTRO 0:19 - ISM Index Weaker than Expected 4:25 - Market Breadth Improves 8:51 - Two Dads on Money Holiday Recap 10:43 - What is 'Financial Nihilism'? 15:10 - The Path to "Getting Rich" 17:04 - What Capitalism is Built For 17:54 - Baby Boomer's, Millennial's, & Gen-Z 21:19 - What is "The American Dream"? 23:03 - Experience is a Good Teacher 28:03 - No One is Holding You Back 32:55 - The most Important Thing - The Savings Rate 37:15 - Cars & Collectibles 43:08 - Financial Nihilism is Not Real 45:45 - Car Financing & Debt Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=-1qXRp9gLoc&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- The latest installment of our new feature, Before the Bell, "Sector Rotation Signals Improving Market Breadth," is here: https://www.youtube.com/watch?v=sttQ3aaH4Rc&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- Watch our previous show, "2026 Market Outlook: Bullish Momentum, Valuation Risks, and What Comes Next," here: https://www.youtube.com/watch?v=LxDnB-Z7mJI&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketBreadth #SectorRotation #ValueStocks #MarketOutlook #StockMarketToday #FinancialNihilism #FinancialPlanning #InvestorBehavior #LongTermInvesting #WealthBuilding

More investors—especially Millennials and Gen Z—are treating markets like a casino. Not because they're reckless, but because the traditional path to financial security feels broken. Lance Roberts & Jonathan Penn break down Financial Nihilism vs. Financial Planning: why speculative behavior is rising, and what still works when confidence in long-term investing erodes. Options trading, crypto, meme assets, and betting apps offer fast outcomes in a world where housing is expensive, debt is high, and patience feels unrewarded. 0:00 - INTRO 0:19 - ISM Index Weaker than Expected 4:25 - Market Breadth Improves 8:51 - Two Dads on Money Holiday Recap 10:43 - What is 'Financial Nihilism'? 15:10 - The Path to "Getting Rich" 17:04 - What Capitalism is Built For 17:54 - Baby Boomer's, Millennial's, & Gen-Z 21:19 - What is "The American Dream"? 23:03 - Experience is a Good Teacher 28:03 - No One is Holding You Back 32:55 - The most Important Thing - The Savings Rate 37:15 - Cars & Collectibles 43:08 - Financial Nihilism is Not Real 45:45 - Car Financing & Debt Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=-1qXRp9gLoc&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- The latest installment of our new feature, Before the Bell, "Sector Rotation Signals Improving Market Breadth," is here: https://www.youtube.com/watch?v=sttQ3aaH4Rc&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- Watch our previous show, "2026 Market Outlook: Bullish Momentum, Valuation Risks, and What Comes Next," here: https://www.youtube.com/watch?v=LxDnB-Z7mJI&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketBreadth #SectorRotation #ValueStocks #MarketOutlook #StockMarketToday #FinancialNihilism #FinancialPlanning #InvestorBehavior #LongTermInvesting #WealthBuilding

In this episode of Building Better Managers, produced by New Level Work, we explore one of the most high-leverage skills a manager can develop: coaching. Coaching isn't about having all the answers—it's about helping your team find their own. By learning how to ask powerful questions, guide problem-solving, and create an environment of trust, you can turn everyday interactions into meaningful development moments. Using the GROW model (Goal, Reality, Options, Will), we walk through how to structure effective coaching conversations and shift from being a task manager to a true people leader. You'll learn: ✅ What coaching actually is (and isn't) ✅ Why coaching is a leadership skill that pays dividends across performance, engagement, and growth ✅ How to apply the GROW model to any conversation ✅ Practical tools to lead with curiosity instead of control ✅ How coaching builds accountability and trust on your team This episode comes with a free resource:

Kick off the first full week of 2026 with a deep dive into a wild day on the options tape. In this episode of the Hot Options Report, Mark Longo breaks down the top 10 most active products, headlined by a massive breakout in Micron (MU) and a significant "dark side" shift in Tesla (TSLA). While the broader market saw mixed action, the semiconductor space stole the show. We analyze why Micron popped 10% to close near $344 and what the heavy activity in the 350 calls suggests for the rest of the week. Meanwhile, Tesla bulls took a breather as volume flooded into the 430 puts following a 4% sell-off. In this episode, we cover: The Semiconductor Slugfest: Nvidia vs. Tesla for the #1 spot. Micron's Moonshot: Breaking down the 619,000 contracts and the $350 call interest. Tesla Sentiment Shift: From $500 calls to $430 puts—is the "dark side" taking over? The Tech Round-up: Unusual activity in Palantir (PLTR), AMD, Apple (AAPL), and Amazon (AMZN). SoFi's Slump: Analyzing the 8% drop and the volume at the $27 strike. Check out more from The Options Insider: Get Pro Insights: theoptionsinsider.com/pro Daily Data & Tools: TheH otOptionsReport.com

Send us a textThinking about retiring before 65… but not sure what you'll do for health insurance?

Blake Murphy joins JD in-studio to get into any offseason Blue Jays thoughts he has, before switching gears to the Raptors. JD and Blake dive into their New Years resolutions for the Raptors, the pairing of Scottie Barnes and Brandon Ingram, and which depth players are a part of the team's long-term plan. The show ends with 'What we Missed'! (35:00)The views and opinions expressed in this podcast are those of the hosts and guests and do not necessarily reflect the position of Rogers Sports & Media or any affiliates.  

Carley Garner believes the market "got it right this time" by pricing crude oil futures higher following the U.S. capture of Venezuelan president Nicolás Maduro. That said, she tells investors don't be surprised to see a "vacuum" in price action if crude stays below $65. Matt Maley tilts bullish when it comes to companies tied to the oil trade. He argues crude oil doesn't need to hit big price points for companies like Chevron (CVX) to see significant upside. ======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

As a part of its internet stock analytical rebalancing, Wolfe Research downgraded Shopify (SHOP) to peer perform from outperform. That said, Rick Ducat notes the stock has done well over the past year, but points out shares struggled to break through a downward ceiling. He turns to other bearish and bullish trends in the stock and offers an example options trade. ======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – / schwabnetwork Follow us on Facebook – / schwabnetwork Follow us on LinkedIn - / schwab-network About Schwab Network - https://schwabnetwork.com/about

Marley Kayden covers Nvidia's (NVDA) CES 2026 announcements, including their Alpamayo open AI model for autonomous vehicles, Vera Rubin platform, and more. Tim Biggam offers an example options trade on NVDA.======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

Martin Leinweber calls 2026 the "year of tokenization." While he doesn't see Bitcoin having a vastly bullish year, he expects companies supporting it and the blockchain to see substantial rallies. Martin adds that broadening strength in altcoins add to upward momentum. As for Bitcoin, he tells crypto investors to eye $108,000. George Tsilis turns to an example options trade for Strategy (MSTR). ======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

We're wondering about the Savage suppressors coming out... and how long it might take Ruger and other rifle makers to get on that bandwagon. We'll see, no doubt.And, have you ever wondered how much it might cost to get started in reloading? We'll talk about that...All this and more in tonight's show. We hope you'll tune in. :)

Charles Shapiro, former US Ambassador to Venezuela, discusses the US capture of the Venezuelan president Nicolas Maduro and his wife Cilia Flores.

Hey there, hero!If you find yourself talking to yourself when you're by yourself......that's not only OK, it's a mark of genius.That's what the Internet says, and I'm going with them on this.I don't want you to feel anything but joy and wisdom if you're an inveterate self-talker. And I'm not limiting my support just to those who murmur or mutter to themselves - I'm a full-volume talking machine when I'm alone, sometimes raising my voice to make a point.And I want to celebrate with you the awesomesauce of working things out for yourself vocally and enthusiastically.Do you talk to yourself when you're alone? Do you worry that you might be a bit off for doing so? Let me know in the comments below.REQUEST: Please join this video's conversation and see the full episode on VOHeroes, where the comments are moderated and civil, at https://voheroes.com/talking-to-yourself-crazy-or-crazy-smart/#Acting #Voice #VoiceOver #Performance #Productivity #Tips #Art #Commerce #Science #Mindset #Success #Process #Options #BestPractices #MarketingWant to be a better VO talent, actor or author? Here's how I can help you......become a VO talent (or a more successful one): https://voheroes.com/start ...become an audiobook narrator on ACX (if you're an actor or VO talent): https://acxmasterclass.com/ ...narrate your own book (if you're an author): https://narrateyourownbook.com/ ...have the most effective pop filter (especially for VO talent): https://mikesock.com/ ...be off-book faster for on-camera auditions and work (memorize your lines): https://rehearsal.pro/...master beautiful audiobook and podcast audio in one drag and drop move on your Mac: https://audiocupcake.com/ The VOHeroes Podcast is heroically built with: BuddyBoss | LearnDash | DreamHost | SamCart | TextExpander | BuzzSprout ...

We're joined by Jamaal Ghauri, a trader and fund manager who began his journey unusually early — first exposed to crypto markets as a teenager during Bitcoin's early adoption phase, before moving into stocks and eventually options. Jamal walks through the full arc of his development as a trader: early overconfidence, aggressive options bets, a rapid run-up followed by a major drawdown, and the hard lessons that ultimately forced him to rethink risk, position sizing, and process. From there, he explains how he rebuilt by focusing on more structured setups, volatility awareness, and consistency over time. We discuss the evolution of his core strategies — including swing trades, breakout-style setups, and short-term options structures — and how those approaches are now applied within a multi-strategy fund he launched in 2025. Jamal also shares how he thinks about trade distribution, win rates versus loss severity, and why discipline and risk management ultimately mattered more than finding the “perfect” setup. As always, this conversation is about understanding how a trader thinks, how strategies evolve over time, and how real-world risk shows up differently than it does on paper. Links + Resources: Connect with Jamaal on LinkedIn: https://www.linkedin.com/in/jamaal-ghauri-282947172/ Time Stamps: Please note: Exact times will vary depending on current ads. 00:00 – Intro and Background 02:37 – Early Interest in Financial Markets 07:08 – Transition to Stock Trading 08:46 – Early Stock Trading Experiences 09:37 – Shift to Options Trading 10:32 – Learning Options Trading 11:22 – Developing a Trading Strategy 14:51 – First Successful Trades 19:04 – Account Growth and Setbacks 21:00 – Impact of the COVID Crash 32:06 – New Trading Strategies Post-Crash 37:24 – Becoming Profitable 38:22 – Performance in 2022 and 2023 41:07 – Establishing a Hedge Fund 44:40 – Hedge Fund Strategies 50:34 – Current Challenges and Advice Sponsor of Chat With Traders Podcast: Trade The Pool:  ⁠http://www.tradethepool.com⁠ Trading Disclaimer: Trading in the financial markets involves a risk of loss. Podcast episodes and other content produced by Chat With Traders are for informational or educational purposes only and do not constitute trading or investment recommendations or advice. Learn more about your ad choices. Visit megaphone.fm/adchoices

The Playoffs are set and teams are making changes: Options are coming All-Time Miss The plan worked A big gift Don't you want the best? To trust or not It took too long Sweating it out The worst time of the year 10 Takes with Kyle Brandt is part of the NFL Podcast NetworkSee omnystudio.com/listener for privacy information.

Confused about diets for neurodivergent kids? In this episode, we answer Which Therapeutic Diet Helps Neurodivergent Kids, breaking down GFCF, keto, paleo, and more with Julie Matthews—guided by Dr. Roseann Capanna-Hodge's Regulation First Parenting™ approach to calming emotional dysregulation.Which therapeutic diet really helps neurodivergent kids? Here's what you need to know. Kids with ADHD, autism, anxiety, and emotional dysregulation can struggle so much, and you're not imagining it—food truly can make or break their mood, focus, and behavior.In this episode, I talk with nutrition expert Julie Matthews about which therapeutic diet really helps neurodivergent kids, how diet affects the brain, and simple ways to start even if your child is picky.Why does food affect my child's mood, behavior, and attention so much?Food is powerful because it either nourishes the brain or bogs the nervous system down with inflammation. Julie breaks it into two parts:Add nutrient-dense foods that support brain function, address nutritional deficiencies, and promote brain health in children with autism and other autistic patients.A healthy and balanced diet or targeted dietary interventions can make a big difference.Remove problematic foods that affect gut health, trigger immune system dysregulation, and impact cognitive function.Options may include a gluten free diet or ketogenic diets, tailored to genetic and environmental factors.Even brief swaps from processed foods and high sugar intake to whole foods often improve GI symptoms, autistic symptoms, mood, and attention.Key takeaways:Inflammation = dysregulationNourishing foods calm the brain faster than most parents expectEven one small change—like reducing dyes or food additives—can shift behavior fastParent StoryOne mom shared that removing red dye led to fewer after-school meltdowns within 48 hours—proof that eliminating unhealthy foods and additives can dramatically shift autism severity and mood disorders.Which therapeutic diet really helps neurodivergent kids?There's no one-size-fits-all diet, but Julie's clinical experience is clear: most neurodivergent children improve when they reduce sugar intake, remove gluten free casein (GFCF) triggers, and focus on healthy foods that improve gut bacteria, immune response, and brain development.Her book outlines a 12-step plan for implementing therapeutic diets, starting with removing dyes, flavors, preservatives, and then tailoring the diet to a child's unique nutritional needs, GI disorders, and food sensitivities.Helpful starting points:Avoid artificial colors and additivesReduce sugarRemove gluten and dairy (high-impact inflammation triggers)Add protein, healthy fat, and whole foodsWhy this matters: 70% of American kids rely heavily on processed foods—foods that overstimulate the nervous system and deplete nutrients needed for attention and regulation.Want to stay calm when your child pushes every button?Become a Dysregulation Insider VIP and get the FREE...

The Drive explained why neither Maye nor Stafford feels like they are deserving of being MVP in the NFL this season.

Have you ever thought about a career in talent management and leadership development? Then this conversation is for you!You'll hear about:Why and how to adopt an explorer mindset when it comes to your career and workWidening the possibilitiesHow networking + curiosity is the winning combo in finding the answers you're missingTranslating your likes, dislikes, skills and capabilities into a new possibility and directionFalling into a job vs building something intentionallyWhat does leadership development mean in a corporate settingLeadership aspects beyond corporateTeam dynamicsCompany Culture, what is it, how decisions get made and things get doneHow to build and support culture you wantAnd more!Connect with Carlee:https://www.linkedin.com/in/carleeawolfe/ What resonated most with you?DM me on IG  www.instagram.com/careerintechnicolor If you enjoyed this episode, follow the podcast and share it with someone you know!Remember - you're amazing and powerful beyond your wildest imagination! Thank you for being a part of the movement to step more and more fully into your own purpose!Xo,BaibaSupport the show

The 2026 trading year is officially underway! Mark Longo, Uncle Mike Tosaw, and Andrew "The Rock Lobster" Giovinazzi gather for the first full trading week of the year to break down a massive 2025 and look ahead to the new market landscape. In This Episode: The 2025 Trivia Champion Revealed: After a grueling year of 1980s Trivial Pursuit, we finally crown the winner of the 2025 Trivia Challenge. Who took home the title between Uncle Mike, The Rock Lobster, and previous guest Dan Passarelli? The Trading Block: A robust start to 2026! The team analyzes the S&P 500's push toward all-time highs, the sudden surge in Financials (XLF) and Energy (XLE), and why Big Tech (Apple and Nvidia) is showing some early-year weakness. Record-Breaking Volume: We dive into the final 2025 numbers from the OCC. With over 15.26 billion contracts traded last year, we discuss what this explosive growth means for retail traders. The Odd Block: Unusual activity returns with a deep dive into Peloton (PTON) and a massive January 2027 call trade, plus some aggressive short-term upside speculation in Enovix Corp (ENVX). Strategy Block: Uncle Mike explains the "Time Non-Linear Time Decay Differential" and why calendar or diagonal spreads might be your best bet if you expect volatility to rise from these lows. Around the Block: Predictions for the year ahead, the impact of geopolitical headlines on the energy sector, and a look at the upcoming VIX expiration. Get More Options Insider: Pro Analysis: theoptionsinsider.com/pro The Network: Search "Options Insider Radio Network" on your favorite podcast app. TastyTrade: Visit tastytrade.com/podcasts to see why they were named the Best Broker for Options in 2024.

Welcome to the first full trading week of 2026! While the major averages surged to kick off the new year, the options tape is telling a much more nuanced story. Mark Longo breaks down the top 10 most active names, highlighting a strange divergence where the broader market rallied while tech titans like Apple and Nvidia faced early-year selling pressure. The Top 10 Countdown: #10: AMD (AMD) – Bucking the green trend, AMD sold off over 1% to close at $221.08. Traders focused on the Jan 230 calls expiring this Friday. #9: SoFi (SOFI) – Roaring back with a 6.6% pop, SoFi reclaimed nearly all its recent dilution losses. The Jan 30 calls were the hot strike of the day. #8: Palantir (PLTR) – Rallying over 3.6%, Palantir bulls are looking toward the moon with heavy volume on the Jan 190 calls. #7: MicroStrategy (MSTR) – "The Monster" saw wild opening flow, specifically a nearly 25,000-contract block of March 160 calls. #6: Amazon (AMZN) – The Amazonians joined the rally, gaining nearly 3%. Buyers stepped into the Jan 235 calls for Friday expiration. #5: Apple (AAPL) – A rare red day for the fruit company amidst a market rally. Over 44,000 of the Jan 270 calls traded, likely as overwrites. #4: Nu Holdings (NU) – The Brazilian banking giant popped over 5% on 15x its average daily volume. #3: JPMorgan (JPM) – Financials are leading the charge, but JPM's 1.28 million contract volume was heavily skewed by Ex-Dividend (X-Div) activity in the January pars. #2: Tesla (TSLA) – Back in the silver medal spot, Tesla jumped 3.1% to $451.67. The Jan 460 calls saw aggressive action. #1: Nvidia (NVDA) – Taking the crown once again, but finishing slightly in the red. Massive interest remains at the Jan 195 calls for the end of the week. In This Episode: Why Apple and Nvidia are struggling while the Dow and S&P climb. Understanding the impact of Ex-Dividend flow on JPMorgan's massive volume. Breaking down opening vs. closing flow in MicroStrategy and Nu Holdings. Get the Full Data: Visit TheHotOptionsReport.com to see the daily options data that didn't make it into the show. Join the Pro Community: Go to theoptionsinsider.com/pro for access to the upcoming Vol Death Match 2.0 and exclusive Q&A sessions.

Your team thinks they’re selling braces. They’re wrong. What patients actually buy is certainty. Certainty about cost, timing, next steps, and whether they’re making the right call for their kid or themselves. When you don’t create that certainty fast, you get the same complaints every practice has: they ghosted us, bad lead, they said they needed to think about it, they price-shopped, they no-showed. Here’s what hurts: your leads aren’t bad. Your process leaks certainty. Fix that, and your team won’t need to push harder. They’ll just need to get clear, confident, and better at leading conversations. The kind of leadership that feels like service instead of sales. Get your copy of the Practice Paradox and the Personality Assessment: https://ion.agency/practice-paradox-book The Core Truth — People Don’t Buy Orthodontics. They Buy Certainty. Whether someone is choosing braces, clear aligners, or even deodorant, the psychology stays the same: people move when they feel safe taking the next step. That’s why calls fall apart even when your team says all the right things. If the prospect feels confused, guarded, uneasy, or overwhelmed, you can keep talking. You’ve already lost. Not because they hate you. Because their brain is protecting them from a decision that feels risky. So the question becomes: How do you manufacture certainty, fast, without sounding salesy? Let’s break it into five levers: mindset, voice, speed, follow-up, and simplification. Redefine “Sales” So Your Team Stops Sabotaging It A lot of practices hate the word “sales.” They picture a used-car lot: fake smile, pressure, manipulation, take the money and run. That’s exactly why they struggle. Here’s the reframe: sales isn’t taking. Sales is giving. If your team believes sales is something you do to people, they’ll avoid it, rush it, or apologize for it. If they believe sales is something you do for people (clarifying, guiding, simplifying), they show up differently. Two guardrails matter: integrity and a true desire to help paired with belief that the service will positively impact the patient’s life. Violate those, and you’re back in the version of sales everyone hates. Hold those two guardrails, and closing isn’t predatory. It’s service. Why this matters to certainty: Certainty doesn’t come from convincing. It comes from leadership. People relax when they feel guided by someone who knows what they’re doing and genuinely has their interests in mind. If your team doesn’t buy that idea, every tactic in this article turns into a script. Scripts don’t create certainty. Free Growth Session Certainty Starts With How You Sound — Tone and Tempo Beat Perfect Wording The fastest way to kill a call isn’t the wrong sentence. It’s the wrong cadence. Two things matter most: tonality and tempo. Tone and tempo communicate what words can’t: calm confidence, leadership, empathy, impatience, uncertainty, awkwardness. The Real Phone Skill Is Emotional Control When your scheduler or treatment coordinator sounds rushed, unsure, or overly chirpy, the prospect doesn’t feel guided. They feel processed. And if the prospect doesn’t feel guided, they don’t feel safe. Use Anchoring Questions to Uncover What Creates Certainty for This Person Three questions shift the call from “schedule this” to “understand why this matters.” “How long have you been thinking about straightening your teeth or bringing Johnny in?” This tells you whether they’re a “yesterday” person or a “two years” person. Very different energy, very different barriers. “Why did you feel like now was a good time to address this?” This reveals the trigger: pain, bullying, a dentist referral, a life event, a deadline, a job, a wedding. The trigger is often where certainty lives. “Why did you decide to come see us?” This exposes perceived differentiation or lack of it. It also surfaces competitive context without you sounding defensive. These questions aren’t cute. They build certainty because they make the prospect feel understood. And they give your team leverage to connect the consult to what the person actually cares about. If You Sense Uncertainty, Address It Immediately If someone sounds uneasy, uncertain, confused, or guarded, you can’t just continue your flow and hope it resolves itself. You need to pivot and handle that emotion right now. Or you won’t have their attention for the rest of the call, and you’ll often earn a no-show. Use something playful as a pattern interrupt (something they don’t expect) to regain attention. The point isn’t the exact line. The point is: certainty requires attention, and attention disappears when emotion turns skeptical. The Underrated Skill — Being Comfortable With Silence Most teams panic during silence and start filling space with nervous checking: “Hello?” “Did you get that?” “Can you hear me?” Don’t do that. Embrace the silence. The person just answered an unexpected call. You don’t know what they’re doing. If you can sit through a few seconds, you keep authority and flow. Why this matters to certainty: When you talk like a leader (steady, calm, unhurried), you lend your certainty to the other person. When you sound nervous, you amplify theirs. Speed Is Strategy: Desire Decays Faster Than You Think If you’re treating online leads like they’re 2012 leads, you’re getting cooked. Amazon has trained consumers. If something doesn’t have the two-day delivery vibe, what do people start thinking? “Do I really need this?” “Maybe I’ll find something similar I can get tomorrow.” That same consumer expectation bleeds into choosing an orthodontist. If you don’t respond fast, if it’s hard to schedule, if it takes forever to get clarity, people don’t wait patiently. They move on or talk themselves out of it. The Five-Minute Rule Isn’t Aggressive. It’s Reality. Studies show that if you don’t follow up within five minutes, there’s a 400 percent decrease in ever getting in touch. Calling back within 60 seconds can boost conversions by 391 percent. Whether you obsess over exact numbers or not, the operational takeaway is undeniable: your speed determines whether you’re still top of mind. Here’s what should sting a little: five minutes should be your worst day. Because in a digital world, five minutes can feel like an hour. Nobody submits a form and then sits there doing nothing, waiting for your office to call. They go right back to scrolling, eating dinner, getting pulled into life. And when you finally call, you’re no longer “the answer.” You’re “some unknown number.” Certainty Collapses When You’re Not Top of Mind When your callback is slow, you trigger confusion: “Who is this?” “Where are you calling from?” “Why are you calling me?” That confusion isn’t neutral. Confusion is uncertainty. Uncertainty is delay. Delay becomes ghosting. If you want more conversions, stop treating speed like an operational detail. Speed is part of your sales system. “Bad Leads” Are Often Just Cold Opportunities, and Your Follow-Up Must Match Human Behavior Most practices overuse the term “bad lead” as emotional protection. It feels better to say “they were a bad lead” than “we didn’t create enough certainty fast enough.” Here’s the reframe: a bad lead is someone you truly can’t serve. Someone without teeth, no pulse, extreme mismatch. Everything else? That’s not a bad lead. That’s an opportunity that either isn’t ready yet, lost excitement, didn’t feel safe, or didn’t get enough follow-up to stay warm. It’s not always that the leads are bad. It’s that the opportunities have gone cold. The Simplest Reason Follow-Up Fails — Nobody Answers Unknown Numbers (Including You) Most of us do not pick up calls from numbers we don’t know. So why is your team shocked when prospects don’t answer? This is why you need a specific cadence: call, voicemail, text, email, repeat. That multi-touch pattern creates recognition: “Oh right, I did request that.” It builds association. And it reduces the emotional friction of picking up. Micro-Impressions Before the Consult Decide Whether They Show Up This might be the most overlooked certainty killer in orthodontics: the little irritations that happen before the patient ever meets the doctor. Being put on hold for minutes (feels like forever). The office not answering. Getting disconnected and not being asked for a callback number. Having to call back and re-enter the queue. These micro-impressions create a subtle story in the patient’s mind: “This is going to be a pain.” That story produces uncertainty. Bottom line: If your front-end experience feels clunky, you can’t treatment-coordinate your way out of it in the consult. Free Growth Session Create Certainty in the Consult by Simplifying the Process and the Money Conversation If you want more same-day starts, stop turning the consult into a college lecture. Here’s a real-world example of a practice that aggressively simplified the consult process: 30 minutes total per new patient exam, records done fast (an eight-minute window), doctor in the room for one to two minutes, treatment coordinator does most of the explanation and fee conversation, they deliberately trained and timed the team to move faster, and fee presentation is simple and consistent. The insight isn’t “everyone must do 30-minute exams.” The insight is: complexity creates hesitation. When the doctor spends 20 minutes explaining the science of orthodontics, the patient walks out thinking, “Wow, this is a big deal. I need to go home and digest this.” In other words: you made it feel heavy, risky, and uncertain. Simplification doesn’t mean low quality. It means low friction. Fees — Answer the Real Question Without Overwhelming Them The patient’s number one question at the consult is: “How much is it?” When offices avoid this, they don’t create certainty. They create suspense. And suspense is not your friend in a high-consideration purchase. One practice’s approach: Lead with one simple plan ($300 down and a monthly that stays under $200). Don’t lead with four options. Options create overwhelm. If they ask about pay-in-full, then you introduce that. If $300 today is a barrier, step it down: $150 today and draft the other $150 in one to two weeks. This strategy isn’t about discounting. It’s about making the decision feel manageable. On the Phone — If You Won’t Quote Fees, You Still Must Remove Financing Fear When people hear “payment plans” and “financing,” they often assume interest, credit checks, banks, and paying more over time. So if your team says, “We have great payment plans,” that’s not certainty. That’s vague reassurance. And vague reassurance reads like sales fluff. Instead, proactively clarify: zero percent interest, no credit checks, in-house financing, no banks involved. That removes uncertainty. And when uncertainty drops, people move forward. Stop Trying to Differentiate With Tech Patients Don’t Understand Some practices try to win by talking about technology (CBCT, bonding techniques, fancy bracket systems) as the primary differentiator. The general public has low dental IQ. Most people don’t know what those things are, and they aren’t buying them up front. What are disruptors winning on? Speed, convenience, little resistance, affordability, and a cool brand. You can wow them clinically once they’re in and committed. But at the decision point, patients buy what reduces friction and uncertainty. Practical Takeaways — A Certainty-First Playbook You Can Implement Now You don’t need a new script. You need a new operating system. Here’s a practical checklist, organized by where certainty is won or lost. Phone: Create Certainty in the First 60 Seconds Train the two T’s: tonality and tempo. Start coaching cadence, not just words. Add the three anchoring questions: How long have you been thinking about it? Why now? Why us? The moment you hear uncertainty, pivot and address it. Don’t keep going like nothing happened. Get comfortable with silence. Nervous filler kills authority. Scheduling —Stop the Endless Loop With Wide Net Statements Replace open-ended scheduling chaos with two-option narrowing. “Specific date or day or first available?” “Morning or afternoon?” “1 p.m. or 3 p.m.?” This approach prevents the call from dragging and keeps you leading. Speed — Protect Momentum Like It’s Revenue (Because It Is) Treat five minutes as unacceptable in normal conditions. Aim to call back before they exit the browser whenever possible. Build operational systems that make fast response normal, not heroic. Follow-Up — Assume They Won’t Answer and Build Recognition Anyway Use the cadence: call, voicemail, text, email, repeat. Stop labeling unresponsive people as “bad.” Most are just cold. Clean up micro-impressions: reduce holds, avoid disconnects without callback capture, and tighten the front desk experience. Consult — Simplify Until Decisions Feel Easy Reduce information overload. Don’t make treatment feel like a complicated life event. Standardize a simple fee presentation. Lead with one clear path. Introduce alternatives only if asked. Remove financing uncertainty with clear language (zero percent interest, in-house, no banks, no credit checks). If You Fix Certainty, You Fix Conversion Your practice isn’t competing only on clinical outcomes anymore. You’re competing on how fast you respond, how easy it is to schedule, how confident your team sounds, how predictable your process feels, and whether the patient understands the money without anxiety. People don’t buy braces. They buy certainty. If you want more starts without feeling salesy, stop trying to close harder. Start building a system that makes the next step feel obvious, safe, and simple. That’s what your market is actually demanding now. Free Growth Session The post Patients Keep Saying No? Here’s What You’re Missing appeared first on HIP Creative.

“The Fed will need to become more aggressive” to counter a deteriorating labor picture, argues Michael Goosay. He has two rate cuts priced in now and calls that the “minimum” for this year. He thinks those two could even come in the first half of the year. Michael also discusses how a new Fed Chair may change its overall policy. He explains his bull case for the fixed income market in 2026.======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

The latest Charles Schwab STAX report took a downturn for the first time since May. Joe Mazzola expects portfolio rebalancing and end-of-year selling contributing to the down month. However, while companies like Tesla (TSLA) and Palantir (PLTR) saw stronger outflows, Alphabet (GOOGL) and Netflix (NFLX) saw more inflows. Joe later tackles why Gen X investors continue to take more risk compared to other generations. ======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

Don Burnette, CEO of Kodiak AI (KDK), returns to the Watch List to discuss the company's partnership with Bosch to scale its driverless truck fleet. While physical AI will take time to develop, Don expects this partnership to accelerate the process for autonomous driving. He explains how Kodiak trained its AI on 3 million miles of road to increase the safety and reliability of these trucks. "Seeing is believing," says Don, arguing that Kodiak's tech offers a safer alternative to human drivers. ======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

Dave Mazza with Roundhill Investments returns to Next Gen Investing to explain the latest developments he sees in the meme stock trade. He says these retail traders have matured by learning more about stock fundamentals and the market to make decisions they see as under the radar opportunities. Dave later explains how Mag 7 giant Tesla (TSLA) plays a role in the current meme trade. ======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

Nice Ltd.'s (NICE) chief AI officer, Philipp Heltewig, offers investors his perspective in the tech industry to explain AI's evolution. He says AI agents still require oversight despite their usefulness in software firms. Philipp compares AI to a "new user interface" instead of a "silver bullet" to the tech industry. ======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

With energy stocks in focus for Monday's trading session, Prosper Trading Academy's Charles Moon offers a bullish perspective on Oklo Inc. (OKLO) as bullish momentum reenergizes the stock. He notes a potential reversal to the upside in Costco (COST) and Affirm's (AFRM) rallying pushing shares higher. Charles provides example options trades while Rick Ducat offers his technical expertise by showing bearish and bullish trends for all three stocks. ======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

There's nothing wrong with second place, says LikeFolio's Landon Swan. His firm's data shows year-over-year web visits for AMD Inc. (AMD) coming toe-to-toe with Nvidia (NVDA). While Nvidia's dominance is set to continue in the new year, Landon likes AMD's potential to catch up as the company moves to full stack AI integration. ======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about