Podcasts about Outright

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.

Joe Ostrowski and Sam Panayotovich recap and react to last night's action which saw Michigan State pull the outright upset over Kentucky in the Champions Classic. Plus, our reactions to the third set of College Football Playoff Rankings, discussing what the committee got right and wrong.

Joe Ostrowski and Sam Panayotovich break down all of last nights Monday Night Football action, which saw the Cardinals go into Dallas and upset the Cowboys, holding the high powered Cowboys offense to only 17 points. Plus, the Cowboys make an addition on defense and what else should be watching for, heading into today's deadline?

Defending state champions Mount Carmel and Loyola will collide for a second time after the Caravan defeated the Ramblers 35-24 in Week 9. St. Rita's rushing attack sparked a win over IC Catholic Prep, while Marist fell just short of the playoffs despite beating Niles Notre Dame.Become a supporter of this podcast: https://www.spreaker.com/podcast/friday-night-drive--3534096/support.

The final Masters 1000 events is set with both Carlos Alcaraz and Jannik Sinner anchoring each half of the draw. Nigel Seeley & Sean Calvert look for a winner.

Addison Trail dominated Willowbrook 35-0 on its way to the West Suburban Gold Division title Friday night.Become a supporter of this podcast: https://www.spreaker.com/podcast/friday-night-drive--3534096/support.

Thank you so much for listening to the Bob Harden Show, celebrating over 14 years broadcasting on the internet. On Friday's show, we visit with Pacific Legal Foundation Senior Fellow William Yeatman about the continued stalemate in Congress over the spending bill and the government shutdown. We visit with Landmark Legal Foundation Vice President Michael O'Neill about the left's reaction to the President's replacement of the East Wing of the White House with a ballroom, and we discuss more “lawfare” by the judiciary to prevent Trump's use of the National Guard. We also visit with Professor Larry Bell about Artificial Intelligence – an intellectual enabler of outright threat? We have terrific guests on Monday's show including historian Marc Schulman, AIER.org Senior Editor Jon Miltimore, and author Jim McTague. Access this or past shows at your convenience on my web site, social media platforms or podcast platforms.

Thank you so much for listening to the Bob Harden Show, celebrating over 14 years broadcasting on the internet. On Friday's show, we visit with Pacific Legal Foundation Senior Fellow William Yeatman about the continued stalemate in Congress over the spending bill and the government shutdown.  We visit with Landmark Legal Foundation Vice President Michael … The post Artificial Intelligence: Intellectual Enabler or Outright Threat? appeared first on Bob Harden Show.

The news of Texas covered today includes:Our Lone Star story of the day: Three Texas stories on how Democrats lie to their supporters and how their media friends shade meaning to send false messages: Voting rights and district drawing; Outright lies to voters about where money goes (demagoguery in this case,) and; reporting a poll on immigration policy that shows numbers consistent with the constant voter divide in Texas as being representative of some worse-than-ever split of Texans.Our Lone Star story of the day is sponsored by Allied Compliance Services providing the best service in DOT, business and personal drug and alcohol testing since 1995.Trump Nominates State Sen. Brian Birdwell as Assistant Secretary of DefenseSpeaker Mike Johnson: Dems' ‘Dirty' Counterproposal Included Restoring Funding of Left-Wing Pet Projects in Foreign Countries27 books in Abilene ISD under review for explicit content. First, it is untrue that staff cannot remove books, any books. They have the same authority to do so daily as they have to add books. All libraries turnover their collections regularly. Second, with the admission that some removals “are no-brainers,” the question then becomes, and must be asked, why were they put in the libraries to begin with?Listen on the radio, or station stream, at 5pm Central. Click for our radio and streaming affiliates.www.PrattonTexas.com

Joe Ostrowski and Sam Panayotovich react to last night's Thursday Night Football action, which saw prime time underdogs continuing to stay hot, as Joe Flacco's Bengals upset the Steelers.

Today's Sports Daily covers your College Football (26-19-1, 4-3-1 LW) and NFL (11-19, 6-0 last 2 weeks on Totals and Teaser play and early winner this week on Bengals outright last night) picks for the weekend.Music written by Bill Conti & Allee Willis (Casablanca Records/Universal Music Group) Ads:DeleteMe - Protect yourself from identity theft, harrassment, and doxxing.  Keep your private life private https://joindeleteme.com/HIT Promo Code: HIT for 20% off at checkout. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Tonight on The Last Word: Donald Trump rambles through a military speech as a government shutdown is looming. Also, the government is set to shut down as Democrats fight health care hikes. Plus, Senate Democrats demand the Tom Homan files from Trump officials. And Bloomberg News reports Jeffrey Epstein's emails reveal a support network. Sen. Mark Kelly, Rep. Brendan Boyle, Ken Dilanian, and Rep. Ro Khanna join Lawrence O'Donnell. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

We've got 5 races left and we're trying to take advantage of everything we can get here. On this episode we recap the wild race at Kansas Speedway and discuss how the betting card did. Then after a quick look at the Playoff Bubble, we get set for the last Road Course race of the year at the Charlotte Roval. We go through why the Outright section is tough this week, who we really like in the placement picks segment, and go over THREE Head to Head matchups that stand out this week.

Chuck Zodda and Mike Armstrong discuss the recent $5B investment by Nvidia into Intel. Chuck wonders how long till Nvidia just buys up Intel altogether. Huawei unveils AI chip roadmap to challenge Nvidia's lead. Congress has no good excuse to keep trading stocks. Start practicing retirement now. It'll make the switch that much easier. Home Insurance as you know it is doomed. You're not ready.

Today's Sports Daily covers your weekend picks in College (7-5, 0-3 BB, 4-2 LW) & Pro Football (1-3, 0-1 BB) including your dogs that I think can win outright in college and pro, totals, and 3 team 10 pt teaser in the NFL.Music written by Bill Conti & Allee Willis (Casablanca Records/Universal Music Group) 

On this week's episode we start off by recapping the Southern 500 and back to back Chase Briscoe wins. But the question is, was it a good race? Then we head to Gateway where this race will be the ARCH in the Round of 16. We break down what this track is about, and then talk about how to comp this track. We get into the Outright segment and find a way to spend a little while getting a lot of drivers under our umbrella. Then we look at some plus money drivers for Top 10s, and finish off with two Head to Heads that may not be very popular plays, but I make the case!

We are officially into the NASCAR Playoffs, and what better place to start than Darlington Raceway?! On this week's episode we breakdown what went down in Daytona last weekend, talk Championship Futures, then get into the race ahead. The Outright segment is a little different this week, with a lot of drivers and conversations of strategy. Then we look at three very different driver types for Finishing Positions. Finally, there are two Head to Heads out there that make the most sense to play!

Nick and Jonathan talk about the Guardians placing Carlos Santana outright on waivers, and they react to Kevin Stefanski's press conference following the initial 53-man roster cut.

Nick and Jonathan are joined by Fox broadcaster John Fanta. Also, they talk about the Guardians placing Carlos Santana outright on waivers, and they react to Kevin Stefanski's press conference following the initial 53-man roster cut.

Dave and Jon break down the 2025 draw in New York! 3:59 US Open Tournament Overview10:45 Outright talk15:35 1st Quarter27:08 2nd Quarter32:45 3rd Quarter46:46 4th Quarter

Back by popular demand! Ian Fortune and Paul Lawrence return for the next six weeks, covering the Irish Greyhound Derby for Matchbook. This episode, they focus on the Outright market. Twitter/X: https://bit.ly/3Trz7Fb Facebook: https://bit.ly/3cqQlC4 Instagram: https://bit.ly/3Aq7qE0 Search Matchbook Insights for our latest written previews. 18+ | BeGambleAware

Will Doctor gives you the sharpest card for the BMW Championship and best outright ticket for the Danish Golf Championship -Reviewing Memphis featuring sound from Justin Rose, Tommy Fleetwood, Scottie Scheffler -Rickie Fowler sig. event points situation, hearing from Fowler on performance in Memphis -Ryder Cup scenarios featuring sound of Cantlay discussing Ryder Cup hopes and Keegan's dilemma -Discussing top 7 on odds board at Caves -1 matchup, 1 t10 -1 BMW outright (40/1) -Sleeper, 2 FRL, 2 lineups, scoring -Best Bet -Danish Golf Championship outright (35/1) Will Doctor opens with energy, introducing the BMW Championship at Caves Valley as week two of the FedExCup Playoffs and recapping a dramatic Memphis finish where Justin Rose, at 175–1 odds, claimed his 12th PGA Tour title by birdieing four of his last five holes to beat J.J. Spaun. Rose described his win as stoic, marked by determination and calmness, admitting that focus on execution muted his joy in the moment. Tommy Fleetwood, seeking his first PGA Tour win, led after 54 holes but faltered, finishing second; he emphasized gratitude for fan support and the importance of learning from close calls. Scottie Scheffler briefly shared the final-round lead but lost nearly 1.5 strokes putting on Sunday, missing the playoff by one. Key FedExCup changes saw Kitayama, Cauley, Fowler, Vegas, and Poston move into the top 50 while Potgieter, Spieth, Knapp, Clark, and Martin dropped out. Fowler, who finished T6, knew roughly a top 10 was needed and edged Chris Kirk by one shot to advance. Doctor defended Fowler against criticism over sponsor exemptions, blaming reduced field sizes for controversy, and highlighted that Memphis drew 3.6 million viewers, the best since 2018. Doctor's betting card suffered as Scheffler's Sunday putting cost multiple wagers. Brad Payne, caddying for Scheffler, noted good putts simply didn't fall, while Scheffler praised Spaun's grit. A win came via Jacob Bridgman over Potgieter, but Xander Schauffele, Wyndham Clark, and Harris English underperformed. On the European Tour, a bet on Christopher Broberg failed as Grant Forrest prevailed. Ryder Cup standings for Team USA show locks in Scheffler, Spaun, Schauffele, Henley, DeChambeau, English, and Thomas, with Morikawa, Bradley, McNeely, and Novak on the bubble. Contenders like Young, Cantlay, and Goderup remain in play. Cantlay endorsed Bradley's inclusion if he were captain. Team Europe's locks include McIlroy, Rose, Fleetwood, McIntyre, Hatton, Straka, Lowry, Oberg, Hovland, and Fitzpatrick, with Højgaard and Wallace vulnerable; Jon Rahm will take a spot, and others could qualify with strong finishes. Caves Valley's redesign features rebuilt greens, narrowed fairways, and lengthened holes, now a par 70 over 7,600 yards. Doctor reviewed top contenders: Scheffler's form remains strong despite a caddie change, McIlroy's driving accuracy is a concern, Schauffele and Thomas struggle with consistency, Fleetwood and Oberg offer solid form but questionable value, and Cantlay's price is too short given recent results. This week's picks include Fowler over Lowry, Sam Burns for a top 10, Matthew Fitzpatrick outright at 40–1, and Denny McCarthy as sleeper top 10. First round leaders are Scheffler and Burns. The DraftKings lineup features Young, Burns, Fitzpatrick, Fowler, McCarthy, and Novak, with Scheffler as best bet for top American. Doctor also tips Sami Välimäki to win the Danish Golf Championship at 35–1, citing improved iron play and consistent driving and putting. For the latest on the world of golf, follow Doc on X @drmedia59 Learn more about your ad choices. Visit megaphone.fm/adchoices

Will Doctor gives you the sharpest card for the BMW Championship and best outright ticket for the Danish Golf Championship -Reviewing Memphis featuring sound from Justin Rose, Tommy Fleetwood, Scottie Scheffler -Rickie Fowler sig. event points situation, hearing from Fowler on performance in Memphis -Ryder Cup scenarios featuring sound of Cantlay discussing Ryder Cup hopes and Keegan's dilemma -Discussing top 7 on odds board at Caves -1 matchup, 1 t10 -1 BMW outright (40/1) -Sleeper, 2 FRL, 2 lineups, scoring -Best Bet -Danish Golf Championship outright (35/1) Will Doctor opens with energy, introducing the BMW Championship at Caves Valley as week two of the FedExCup Playoffs and recapping a dramatic Memphis finish where Justin Rose, at 175–1 odds, claimed his 12th PGA Tour title by birdieing four of his last five holes to beat J.J. Spaun. Rose described his win as stoic, marked by determination and calmness, admitting that focus on execution muted his joy in the moment. Tommy Fleetwood, seeking his first PGA Tour win, led after 54 holes but faltered, finishing second; he emphasized gratitude for fan support and the importance of learning from close calls. Scottie Scheffler briefly shared the final-round lead but lost nearly 1.5 strokes putting on Sunday, missing the playoff by one. Key FedExCup changes saw Kitayama, Cauley, Fowler, Vegas, and Poston move into the top 50 while Potgieter, Spieth, Knapp, Clark, and Martin dropped out. Fowler, who finished T6, knew roughly a top 10 was needed and edged Chris Kirk by one shot to advance. Doctor defended Fowler against criticism over sponsor exemptions, blaming reduced field sizes for controversy, and highlighted that Memphis drew 3.6 million viewers, the best since 2018. Doctor's betting card suffered as Scheffler's Sunday putting cost multiple wagers. Brad Payne, caddying for Scheffler, noted good putts simply didn't fall, while Scheffler praised Spaun's grit. A win came via Jacob Bridgman over Potgieter, but Xander Schauffele, Wyndham Clark, and Harris English underperformed. On the European Tour, a bet on Christopher Broberg failed as Grant Forrest prevailed. Ryder Cup standings for Team USA show locks in Scheffler, Spaun, Schauffele, Henley, DeChambeau, English, and Thomas, with Morikawa, Bradley, McNeely, and Novak on the bubble. Contenders like Young, Cantlay, and Goderup remain in play. Cantlay endorsed Bradley's inclusion if he were captain. Team Europe's locks include McIlroy, Rose, Fleetwood, McIntyre, Hatton, Straka, Lowry, Oberg, Hovland, and Fitzpatrick, with Højgaard and Wallace vulnerable; Jon Rahm will take a spot, and others could qualify with strong finishes. Caves Valley's redesign features rebuilt greens, narrowed fairways, and lengthened holes, now a par 70 over 7,600 yards. Doctor reviewed top contenders: Scheffler's form remains strong despite a caddie change, McIlroy's driving accuracy is a concern, Schauffele and Thomas struggle with consistency, Fleetwood and Oberg offer solid form but questionable value, and Cantlay's price is too short given recent results. This week's picks include Fowler over Lowry, Sam Burns for a top 10, Matthew Fitzpatrick outright at 40–1, and Denny McCarthy as sleeper top 10. First round leaders are Scheffler and Burns. The DraftKings lineup features Young, Burns, Fitzpatrick, Fowler, McCarthy, and Novak, with Scheffler as best bet for top American. Doctor also tips Sami Välimäki to win the Danish Golf Championship at 35–1, citing improved iron play and consistent driving and putting. For the latest on the world of golf, follow Doc on X @drmedia59 Learn more about your ad choices. Visit megaphone.fm/adchoices

A motion to introduce a bye-law banning vehicle clamping in Castlebar, county Mayo, has gained the full backing of the municipal council. But should we be considering introducing such a ban nationally? We asked Keith Gavin, Irish Parking Association Director.

Haashiraamaa and Madhara discuss about plagiarism and other related stuff in brief in this episode

On this week's episode we recap a weird race at Iowa where the racing was subpar but the betting card flourished. After that, a little bit of Silly Season talk, stemming from the Truck Series. Then it's time to break down Watkins Glen and what it has to offer this week for gamblers. A new and interesting strategy for the Outright market is discussed, 3 drivers for Top 10s that are at decent enough odds, and two Head to Head matchups that stand out over all the rest.

Mark O'Haire joins host Daniel Hussey for a special Matchbook Outright Preview, focusing on all the best ante-post markets on the Matchbook Betting Exchange. Time Stamps: 03:00 - Title Race 12:20 - Top 4 Finish 19:10 - Top 6 Finish 23:00 - Relegation 36:30 - Championship 42:30 - League 1 47:20 - League 2 53:00 - Top Goalscorer 57:00 - Best Outright Bet Twitter/X: https://bit.ly/3Trz7Fb Facebook: https://bit.ly/3cqQlC4 Instagram: https://bit.ly/3Aq7qE0 Search Matchbook Insights for our latest written previews. 18+ | BeGambleAware

-FedEx Cup scenarios -Discussing top 10 on odds board at Sedgefield -2 matchups -1 t10, 1 t20 -3 outrights (22/1, 70/1, 100/1) -600/1 sleeper outright -Scoring, lineups, best bet -50/1 Utah Championship outright ⛳ FedExCup Bubble Drama: Players like Rickie Fowler, Grillo, Mitchell, Kirk, and Bezuidenhout need strong showings to secure playoff spots (0:37–48:10).

It's time to go back to some short track racing in this latest episode. We start off by recapping a wild Brickyard 400 and Bubba's big win. Then we move on to how to handicap this newer short track on the NASCAR schedule. We then build out the betting card with the Outright market, Finishing Positions, and talk about two Head to Head matchups. We end things this week discussing the Atop the Pitbox Fantasy League, and which driver should replace a disappointing one on the roster this year.

-FedEx Cup scenarios -Discussing top 10 on odds board at Sedgefield -2 matchups -1 t10, 1 t20 -3 outrights (22/1, 70/1, 100/1) -600/1 sleeper outright -Scoring, lineups, best bet -50/1 Utah Championship outright ⛳ FedExCup Bubble Drama: Players like Rickie Fowler, Grillo, Mitchell, Kirk, and Bezuidenhout need strong showings to secure playoff spots (0:37–48:10).

Andy and Lauren Hunt from Daybreak Wealth share their thoughts on a handful of current events and "hot topics" relating to retirement planning. Specifically, they talk about: Their thoughts on the takeaways from 2025 annual Social Security Trustees report ( 7:17 )Some of provisions in the pending One Big Beautiful Bill Act that are likely to impact most people's tax returns ( 16:12 )Whether or not to get a loan or pay cash for a new car or house. Or, similarly, to pay down or pay off an existing loan ( 32:27 )Whether buying a 30 year Treasury bond is a replacement for a traditional income annuity in retirement ( 38:19 )When to consider getting a living/revocable trust ( 46:43 )Why the stock market keeps chugging ever-upward, even with so much seemingly uncertain in the world and the economy ( 54:38 )What longevity assumptions we use, and why, when doing financial planning and projections for client ( 1:07:45 )Links in this episode:Lauren's firm - Daybreak WealthLauren's prior appearance on the Retirement Planning Education podcast - Episode #098The 2025 Annual Social Security Trustees Report - hereTo send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comMy company newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com

This month we read A Desolation Called Peace by Arkady Martine. We had a ton of listener mail, so the book discussion starts around 10 minutes in. DM: Haley Music by Pets of Belonging Transcript library

PREVIEW NORTH KOREA: Colleague Greg Scarlatoiu comments that the new ROK President Lee is constrained from outright appeasement by the measure of North Korea as an arsenal for predators. More. 1951

For the first time ever, the NASCAR Cup Series is headed south of the border to Mexico for some Road Course action. On this episode we break down the action at Michigan, and recap the great betting card. Then we look at the road course where the boys will be this weekend, and discuss any metrics that make sense. Then it's time to put the card together starting with a bit of a twist on the Outright section. The Top 10 market is a little short this week, but that's OK! And the H2H market is giving us some feisty dogs.

Will Doctor gives you the sharpest card for the U.S. Open at Oakmont. -Going over top 7 names on odds board -1 matchup -2 top nationality tickets -3 futures outrights (+350, 14/1, 18/1) -2 outrights added (100/1 & 150/1) -Sleeper, 2 lineups, scoring -Best bet For more on the world of golf, follow Doc on X @drmedia59 In the "U.S. Open at Oakmont Picks and Predictions" podcast, Will Doctor provides a comprehensive betting preview of the upcoming U.S. Open at Oakmont. Beginning at 0:16, Doctor sets the tone with energetic anticipation, positioning Oakmont as a legendary course hosting the U.S. Open for a record tenth time. From 0:43, he sharply critiques the previous RBC Canadian Open, describing the Osprey Valley course as “a disgrace” and detailing a 5.8-unit loss that week, with Sam Burns' top-20 finish as the lone success. Despite the setbacks, he praises Ryan Fox's recent success, highlighting the Kiwi's two playoff victories in four starts and his historic Canadian Open win, the first by a New Zealander since 1968. Doctor then shifts focus to Oakmont's rich history. He recounts notable U.S. Open wins, including Tommy Armour (1927), Sam Parks Jr. (1935), and Ben Hogan's record-setting 1953 season. He emphasizes Jack Nicklaus' 1962 victory over Arnold Palmer at age 22, which kickstarted Nicklaus' legendary career. Johnny Miller's final-round 63 in 1973 is labeled the greatest round in U.S. Open history, despite not being the lowest score ever. Further champions like Larry Nelson (1983), Ernie Els (1994), Angel Cabrera (2007), and Dustin Johnson (2016) round out Oakmont's storied hosting record. At 12:00, Doctor begins his betting picks. He endorses Scottie Scheffler (+350) as outright number one, citing dominant recent wins and past experience at Oakmont, where he missed the cut by one in 2016. Bryson DeChambeau, with a futures ticket from December at 14-1, is lauded for his driving power and improved approach play, though his recent accuracy issues raise concern. DeChambeau claims Oakmont is “the toughest test in the world right now,” and Doctor remains confident in his form. Rory McIlroy is passed over due to a poor performance at the Canadian Open, including erratic driving and uninspired play. Doctor quotes Rory discussing his struggle for motivation and interest in hobbies like tennis. John Rahm, however, is preferred in a head-to-head matchup (-133), praised for his polished game despite recent putting inconsistency. Doctor argues Rahm is better equipped than Rory to handle Oakmont's demands. Xander Schauffele and Collin Morikawa are also faded. Xander's driving accuracy is flagged as a season-long weakness, and Morikawa is critiqued for losing strokes around the green in five of his last six starts, rendering him unfit for a major requiring elite scrambling. Ludwig Åberg is highlighted as a top Nordic pick at +180, benefiting from strong recent form and inconsistent competition, with Joachim Lagerlund identified as his main threat. Doctor names Hideki Matsuyama as top Japanese player at even money, emphasizing his elite U.S. Open history and the weak form of his countrymen. Outright picks include Scheffler (+350), DeChambeau (14-1), Brooks Koepka (18-1, faded due to poor form), Keegan Bradley (100-1, riding strong recent finishes), and Cam Young (150-1), who's gained strokes off the tee and on the greens recently. Young's playoff qualification over top names and his form earn him sleeper status. Two fantasy lineups are provided. A DraftKings build includes Rahm, Åberg, Spieth, Bradley, Young, and Leishman. The PGA Tour lineup features Scheffler (captain), Bradley, DeChambeau, and Young, with Åberg and Leishman on the bench. Doctor predicts a winning score of -3, depending on weekend rain, and offers Cam Young to finish top 28 at +320 as his best bet. Learn more about your ad choices. Visit megaphone.fm/adchoices

Pat Mayo, Ben Rasa & Byron Lindeque give their 2025 US Open Golf picks with their Gold, Silver and Bronze Selections. Plus, outright winner picks, first round leaders and looks at the nationality markets and pieces of the To Make The Cut Parlay. Use code “MAYO” at underdog for a deposit match up to $1000:Get 20% off https://www.fantasynational.com/mayo with code “MAYO” Win a golf trip to Cabot Links at Coolbet: https://shorturl.at/4Ckgd. “SPORTS200” to get a bonus $200 too. Travelers Championship — For tickets and information visit TravelersChampionship.com. The Travelers Championship, there is only one! June 18th through the 22ndOMAHA STEAKS — Go to  https://OmahaSteaks.com to shop delicious Father's Day gift packages. And use Promo Code MAYO at checkout for an extra $35 off. Minimum purchase may apply. See site for details. A big thanks to our advertiser, Omaha Steaks!HELIX - Go to helixsleep.com/MAYO for 20% OFF SitewideSKIMS — Shop SKIMS Mens at https://www.skims.com/patmayo #skimspartnerCORNBREAD HEMP — save 30% on their first order! Just head to cornbreadhemp.com/PATMAYO and use code PATMAYO at checkout.PXG — Head over to PXG.com/patmayo to save up to 20% on your entire order.Subscribe, Rate and ReviewApple: http://bit.ly/PMEiTunesSpotify: https://goo.gl/VboemH FOLLOW MAYO MEDIA NETWORKNewsletter: https://mayomedia.substack.com/Instagram: https://www.instagram.com/mayomedianetwork/TIK TOK: https://www.tiktok.com/discover/mayo-media-networkYOUTUBE: https://bit.ly/YTMMNINDEX00:00 Intro6:09 Top Sr.11:51 Outright winner26:55 Make/Miss Cut31:38 Top 10 First Round32:51 Skill Sets To Target42:28 First Round Leader50:20 Top African52:58 Top Asian55:12 Top Aussie/NZ58:36 Top Canada1:04:16 Top Dane/Euro1:06:09 Top French1:07:27 Best Bets Message and data rates apply. Must be 18+ (21+MA & AZ, 19+ AL, NE) and present in a state where Underdog Fantasy operates. Terms apply. Concerned with your play? Call 1-800-GAMBLER or visit www.ncpgambling.org; AZ: 1-800-NEXT-STEP (1-800-639-8783) or text NEXT-STEP to 53342; NY: Call the 24/7 HOPEline at 1-877-8-HOPENY or Text HOPENY (467369)

Welcome back, punters! The Premier League may be on summer break, but the action is far from over. The FIFA Club World Cup 2025 kicks off this week in the U.S., and with 32 clubs from six confederations, there's no shortage of betting angles. Let's break it down with Mal and Baz.Exclusive SGPN Bonuses And Links http://linktr.ee/sportsgamblingpodcast Follow The Sports Gambling Podcast  X/Twitter - https://x.com/GamblingPodcast Instagram - https://www.instagram.com/sportsgamblingpodcast TikTok - https://www.tiktok.com/@gamblingpodcast Facebook - http://www.facebook.com/sportsgamblingpodcast Follow The Sports Gambling Podcast Hosts Sean Green - http://www.twitter.com/seantgreen Ryan Kramer - http://www.twitter.com/kramercentric Gambling problem? Call 1-800-GAMBLER CO, DC, IL, IN, LA, MD, MS, NJ, OH, PA, TN, VA, WV, WY Call 877-8-HOPENY or text HOPENY (467369) (NY) Call 1-800-327-5050 (MA) 21+ to wager. Please Gamble Responsibly. Call 1-800-NEXT-STEP (AZ), 1-800-522-4700 (KS, NV), 1-800 BETS-OFF (IA), 1-800-270-7117 for confidential help (MI)

Welcome back, punters! The Premier League may be on summer break, but the action is far from over. The FIFA Club World Cup 2025 kicks off this week in the U.S., and with 32 clubs from six confederations, there's no shortage of betting angles. Let's break it down with Mal and Baz.Exclusive SGPN Bonuses And Links http://linktr.ee/sportsgamblingpodcast Watch the Premier League Gambling Podcast YouTube -    / @premierleaguegamblingpodcast     Follow The Premier League Gambling Podcast On Social Media Twitter -   / sgpnpremier     Follow The Hosts On Social Media Malcolm Bamford -   / mal_b_sport   Barry Penaluna -   / toonbazza   WATCH the Sports Gambling Podcast YouTube - https://sg.pn/YouTube Gambling problem? Call 1-800-GAMBLER CO, DC, IL, IN, LA, MD, MS, NJ, OH, PA, TN, VA, WV, WY Call 877-8-HOPENY or text HOPENY (467369) (NY) Call 1-800-327-5050 (MA) 21+ to wager. Please Gamble Responsibly. Call 1-800-NEXT-STEP (AZ), 1-800-522-4700 (KS, NV), 1-800 BETS-OFF (IA), 1-800-270-7117 for confidential help (MI)    

Dennis and Brady talk about St Clair and Northern softball winning outright league titles, Richmond runs the BWAC again, North Branch baseball alone atop the BWAC, concern levels for some teams? And more!

Dennis and Brady talk about a busy weekend of ball. Mooney comes up short in the CHSL, PHN softball shines at SC4, Marine City, North Branch, St Clair and Northern can all secure outright league titles and more!

Pat Mayo, Cam Stewart & Matt Vincenzi give their 2025 PGA Championship picks with their Gold, Silver and Bronze Selections. Plus, outright winner picks, first round leaders and looks at the nationality markets and pieces of the To Make The Cut Parlay.PME LIVE JUNE 7th TICKETS ON SALE NOW: https://www.eventbrite.ca/e/1321517236629?aff=oddtdtcreator Use code “MAYO” at underdog for a deposit match up to $1000:UNDERDOG - Get 20% off https://www.fantasynational.com/mayo with code “MAYO”COOLBET - Win a golf trip to Cabot Links at Coolbet: https://www.coolbet.com/ca/cabot-25 SKIMS — Shop SKIMS Mens at https://www.skims.com/patmayo #skimspartnerCORNBREAD HEMP — save 30% on their first order! Just head to cornbreadhemp.com/PATMAYO and use code PATMAYO at checkout. Subscribe, Rate and ReviewApple: http://bit.ly/PMEiTunesSpotify: https://goo.gl/VboemH FOLLOW MAYO MEDIA NETWORKNewsletter: https://mayomedia.substack.com/Instagram: https://www.instagram.com/mayomedianetwork/TIK TOK: https://www.tiktok.com/discover/mayo-media-networkYOUTUBE: https://bit.ly/YTMMN INDEX00:00 Intro3:48 Outright Winners7:55 First Round Leader16:54 Top 10/20/30/4031:30 Brooks33:06 Top LIV40:21 Top Aussie47:25 Top Asian52:29 Top Canada59:01 Top Irish1:00:10 Top Lefty/South African/Senior1:06:55 Best Bets — Gold, Silver, Bronze1:12:58 Make/Miss Cut + Underdog Message and data rates apply. Must be 18+ (21+MA & AZ, 19+ AL, NE) and present in a state where Underdog Fantasy operates. Terms apply. Concerned with your play? Call 1-800-GAMBLER or visit www.ncpgambling.org; AZ: 1-800-NEXT-STEP (1-800-639-8783) or text NEXT-STEP to 53342; NY: Call the 24/7 HOPEline at 1-877-8-HOPENY or Text HOPENY (467369)

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Joe Ostrowski and Sam Panayotovich break down all of last night's action in the NBA, which featured two stunning comebacks by both underdogs in the Knicks and Nuggets to grab 1-0 series leads in stunning fashion, as road underdogs are now 3-0 straight up to begin the Conference Semi-Finals. 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

We're coming off of a break even type of betting card at Darlington, so we start the episode recapping one of the least liked races at the track's history! Then we move forward, thankful we're getting TWO Bristol races a year once again, and breaking down the spring race. The betting card starts out a little different in the Outright segment, but we make up for it in the Finishing Position bets. Finally, we're trying to continue our success with Head to Head Matchups, with three that stand out specifically. IT'S BRISTOL BABY!

Pat Mayo, Cam Stewart & Byron Lindeque give their 2025 Masters picks with their Gold, Silver and Bronze Selections. Plus, outright winner picks, first round leaders and looks at the nationality markets and pieces of the To Make The Cut Parlay. WIN A $5K ALL EXPENSES PAID TRIP TO TORONTO AND DOWNLOAD FREE MASTERS OFFICE POOL: https://shorturl.at/FXDNuGET IN DRAW FOR $1000 CASH: https://mayomedia.substack.com/p/printable-masters-pools-and-freeUse code “MAYO” at underdog for a deposit match up to $1000:Get 20% off https://www.fantasynational.com/mayo with code “MAYO”VOTE IN THE CUSTYS: https://www.allcounted.com/s?did=cflbvolnvxm8d&lang=en_US BIRDDOGS — Get a completely free hat @birddogs with code PATMAYO at https://www.birddogs.com/PATMAYOX-GOLF - Book a tee time at PlayXGolf.com. Available at 126 locations across 38 States.PXG — Head over to PXG.com/patmayo to save up to 20% on your entire order. PSHIPSTICKS -- Go to shipsticks.com and use the code PATMAYO to get 20% off your first shipmentNUTRAFOL — Nutrafol is offering our listeners ten dollars off your first month's subscription and free shipping when you go to Nutrafol.com and enter the promo code PATMAYO.SKIMS — Shop SKIMS Mens at https://www.skims.com/patmayo #skimspartner Subscribe, Rate and ReviewApple: http://bit.ly/PMEiTunesSpotify: https://goo.gl/VboemH FOLLOW MAYO MEDIA NETWORKNewsletter: https://mayomedia.substack.com/Instagram: https://www.instagram.com/mayomedianetwork/TIK TOK: https://www.tiktok.com/discover/mayo-media-networkYOUTUBE: https://bit.ly/YTMMN INDEX00:00 Intro3:58 First Round Leader25:51 Outright Winners34:36 Top Debutant38:26 Top LIV43:47 Top Lefty46:15 Top Senior54:41 Top Aussie57:09 TOP GB/Ireland1:00:35 TOP Spain/Canada/Latin America1:06:31 Top Scandinavia1:11:12 Top South Africa1:12:08 Make/Miss Cut1:21:01 Masters Pool Tiers Picks1:27:48 Best Bets Message and data rates apply. Must be 18+ (21+MA & AZ, 19+ AL, NE) and present in a state where Underdog Fantasy operates. Terms apply. Concerned with your play? Call 1-800-GAMBLER or visit www.ncpgambling.org; AZ: 1-800-NEXT-STEP (1-800-639-8783) or text NEXT-STEP to 53342; NY: Call the 24/7 HOPEline at 1-877-8-HOPENY or Text HOPENY (467369)

JFK, RFK Jr Blackmail, Epstein, Misinformation, Outright LIES Idiots ( NEW 04/04/25)Become a supporter of this podcast: https://www.spreaker.com/podcast/the-opperman-report--1198501/support.

Pat Mayo, Ben Rasa & Byron Lindeque give their 2025 Players Championship best bets and picks with their Gold, Silver and Bronze Selections. Plus, outright winner picks, first round leaders and looks at the nationality markets and a discussion about Michael Kim's price on DraftKings for the 2025 PLAYERS Championship. PME LIVE JUNE 7 in TORONTO: TICKETS ON SALE SOON. SUB to free newsletter to get email reminder when available https://mayomedia.substack.com/ Use code “MAYO” at underdog for a deposit match up to $1000:Get 20% off https://www.fantasynational.com/mayo with code “MAYO”VOTE IN THE CUSTYS: https://www.allcounted.com/s?did=cflbvolnvxm8d&lang=en_US Subscribe, Rate and ReviewApple: http://bit.ly/PMEiTunesSpotify: https://goo.gl/VboemH FOLLOW MAYO MEDIA NETWORKNewsletter: https://mayomedia.substack.com/Instagram: https://www.instagram.com/mayomedianetwork/TIK TOK: https://www.tiktok.com/discover/mayo-media-networkYOUTUBE: https://bit.ly/YTMMN INDEX00:00 Intro2:17 History at THE PLAYERS3:21 Gold Picks10:58 Course Fits20:40 Silver36:49 First Round Leaders50:35 Xander/Scottie55:21 Underdog PGA Best Ball59:29 Bronze1:07:21 Outright Picks TGL — To learn more, visit TGLgolf.com. And tune into the inaugural season on ESPN.AG1 -- FREE $76 gift & Welcome Kit when you sign up at DrinkAG1.com/mayo Message and data rates apply. Must be 18+ (21+MA & AZ, 19+ AL, NE) and present in a state where Underdog Fantasy operates. Terms apply. Concerned with your play? Call 1-800-GAMBLER or visit www.ncpgambling.org; AZ: 1-800-NEXT-STEP (1-800-639-8783) or text NEXT-STEP to 53342; NY: Call the 24/7 HOPEline at 1-877-8-HOPENY or Text HOPENY (467369)

The gents are back to discuss The Farmers Insurance Open 2025 as the PGA TOUR heads to Torrey Pines. DB & Pat are coming off quite the solid AMEX both hitting Straka at 70/1 and a good start to 2025. PGA TOUR winner, Matt Every, is back to discuss keys to Torrey Pines (including a certain player type perfect for Torrey) as well as a fantastic Si Woo Kim story. Outright bets, Top 20s, DFS pivots and chalk bets are all discussed. * TJ 2025 Ireland Golf Trip Details & Sign Up | https://www.wetravel.com/trips/tour-junkies-ireland-group-tour-mygolfgroup-travel-57145385 * Join our DISCORD w/ over 1000+ golf loving, DFS & Betting fans | https://discord.gg/tourjunkies * Join BET THE NUMBER with code “TJ” at checkout & leverage the most powerful golf handicapping analytics site on the internet | https://www.betthenumbergolf.com/ * Get elite betting content vetted and served just the way you like it on SoBet. Make sure you use referral code "TJ" at sign up | https://sobet.io/register?referral_code=TJ * Get Deposit Bonus & Sign Up for UNDERDOG Pick em' & Best Ball Drafts | https://play.underdogfantasy.com/p-tour-junkies * Sign up for the “Chalk Bomb” emails for free that hit your inboxes every Tuesday & Wednesday | https://www.tourjunkies.com/chalkbomb/ Linktree for social follows & more | https://linktr.ee/tourjunkies Enjoy more free golf betting content on the Tour Junkies website! | https://www.tourjunkies.com