Podcasts about Pe

The St. Paul Center's daily scripture reflections from the Mass for the Wednesday after Epiphany by Dr. John Bergsma. Christmas Weekday/ Raymond of Peñafort, Priest First Reading: First John 4: 11-18 Responsorial Psalm: Psalms 72: 1-2, 10, 12-13 Alleluia: First Timothy 3: 16 Gospel: Mark 6: 45-52   Learn more about the Mass at www.stpaulcenter.com If you've been wanting to grow in your knowledge of sacred Scripture or learn how to share God's Word with others, check out Dr. John Bergsma's weekly show, The Word of the Lord, where Dr. Bergsma unpacks the Sunday mass readings and carefully guides the faithful to a deeper understanding of salvation history. Sign up for your 30-day free trial today at stpaulcenter.com/memberships

From a lumpy 2025 market to building pent-up demand, M&A attorneys Corey Kupfer and Brian Meegan share their frontline perspective on deal trends and what business owners need to know heading into 2026. In this episode of the DealQuest Podcast, host Corey Kupfer sits down with his partner Brian Meegan of Kupfer. to kick off the new year with a candid conversation about the deal market. Together, they've handled dozens of deals totaling hundreds of millions of dollars in purchase price and enterprise value across wealth management, tech, and trade industries nationwide. WHAT YOU'LL LEARN: In this episode, you'll discover why the 2025 M&A market has been "lumpy" with strong activity in certain sectors while others slowed, and how markets normalize uncertainty when clarity takes too long. Corey and Brian discuss tax legislation certainty versus tariff uncertainty pending Supreme Court review, why pent-up demand builds pressure that eventually releases, and how massive PE dry powder creates deployment urgency. You'll learn why equitizing Generation 2 leadership years before an exit improves options and valuation, how trade industries remain attractive due to AI resistance, and what regional differences mean for deal opportunities. DEAL MARKET REALITY: The end of 2024 was intense, and momentum carried into 2025. Yet conversations with colleagues revealed uneven activity nationwide. Wealth management stayed robust while other sectors slowed. Weaker earnings combined with elevated prices created buyer-seller disconnects. CERTAINTY AND UNCERTAINTY: Markets crave predictability. Recent tax legislation provided clarity around R&D credits and SALT deductions. Tariff policy remains uncertain with potential Supreme Court review, creating productivity costs as companies refigure supply chains. PENT-UP DEMAND: When natural deal flow gets suppressed, it builds pressure rather than disappearing. PE firms sit on enormous capital with fund timeline pressures. Money isn't the constraint. Finding opportunities and having clarity to proceed are the real bottlenecks. THE GEN 2 IMPERATIVE: Equitizing key executives years before a potential exit creates tax-efficient structures, makes companies more attractive to buyers, and gives acquirers confidence. Waiting until deal time limits options and hurts valuation. REGIONAL DIFFERENCES: Brian's Denver practice serves different markets than Corey's coastal work. Colorado features strong tech sectors and alternative energy with California migration. Heavy manufacturing concentrates in Arizona and Nevada. TRADE CONSOLIDATION: Professionalization of trades including plumbing, electrical, and HVAC continues after more than a decade. These industries resist AI disruption, making them attractive for stable revenue and consistent fundamentals. Perfect for business owners considering exits, entrepreneurs evaluating opportunities, and anyone wanting frontline perspective on current M&A conditions. FOR MORE ON THIS EPISODE: https://www.coreykupfer.com/blog/brianmeegan2026 FOR MORE ON BRIAN MEEGAN: https://www.kupferlaw.com/ https://www.linkedin.com/in/brian-meegan/ FOR MORE ON COREY KUPFER https://www.linkedin.com/in/coreykupfer/ https://www.coreykupfer.com/ Corey Kupfer is an expert strategist, negotiator, and dealmaker. He has more than 35 years of professional deal-making and negotiating experience. Corey is a successful entrepreneur, attorney, consultant, author, and professional speaker. He is deeply passionate about deal-driven growth. He is also the creator and host of the DealQuest Podcast. Get deal-ready with the DealQuest Podcast with Corey Kupfer, where like-minded entrepreneurs and business leaders converge, share insights and challenges, and success stories. Equip yourself with the tools, resources, and support necessary to navigate the complex yet rewarding world of dealmaking. Dive into the world of deal-driven growth today! Episode Highlights with Timestamps [00:00] - Introduction: Kicking off 2026 with partner Brian Meegan [02:00] - Why the M&A market has been "lumpy" across sectors [04:00] - Tax policy certainty after major legislation passed [08:00] - 2026 outlook and pent-up demand building pressure [13:00] - Appreciation for DealQuest listeners and clients [16:00] - The importance of equitizing Generation 2 leadership [18:00] - Tax efficiency and planning equity participation early [22:00] - Heavy manufacturing trends in Arizona and Nevada[28:00] - Optimism for 2026 and where opportunities exist Guest Bio:Brian Meegan is a partner at Kupfer., bringing extensive transactional experience from his Denver-based practice. Brian specializes in M&A transactions and complex deal structures across tech, natural resources, and professional services. His Colorado practice provides unique perspective on regional market dynamics outside traditional coastal centers. Host Bio:Corey Kupfer is an expert strategist, negotiator, and dealmaker with more than 35 years of professional deal-making and negotiating experience. Corey is a successful entrepreneur, attorney, consultant, author, and professional speaker deeply passionate about deal-driven growth. He is the creator and host of the DealQuest Podcast. Show Description: Do you want your business to grow faster? The DealQuest Podcast with Corey Kupfer reveals how successful entrepreneurs and business leaders use strategic deals to accelerate growth. From large mergers and acquisitions to capital raising, joint ventures, strategic alliances, real estate deals, and more, this show discusses the full spectrum of deal-driven growth strategies. Related Episodes: Episode 331 - M&A Market Outlook for 2025 with Corey Kupfer: Predictions and survey data about M&A activity expectations. Episode 339 - Why Your Gen 2 Matters in M&A with Corey Kupfer: Succession planning and how next-generation leadership affects deal value. Episode 350 - Building Wealth Through Rental Properties with Tom Dillon: The "sweaty startups" concept and trade industry consolidation. Episode 335 - Sovereign Wealth Funds and the Future of Investment Advisory Deals with Corey Kupfer: New capital sources entering wealth management M&A. Episode 330 - From Operator to Owner with Pete Mohr: Business freedom and reducing owner involvement while maintaining value. Episode 206 - Should Uncertainties in the Market Impact Your Deal-Making? with Corey Kupfer: How external factors should influence deal decisions. Social Media: Follow DealQuest Podcast: LinkedIn: https://www.linkedin.com/in/coreykupfer/ Website: https://www.coreykupfer.com/ Follow Brian Meegan: https://www.kupferlaw.com/ Keywords/Tags: M&A market outlook 2026, deal trends, private equity dry powder, pent-up demand, tariff uncertainty, trade consolidation, equitizing employees, succession planning, wealth management M&A, Gen 2 leadership, tax policy certainty, interest rates, regional deal markets, Colorado tech sector, entrepreneurship, business growth strategies, dealmaking, exit planning, capital deployment, fund timelines

SHOW 1-5-26 THE SHOW BEGINS IN DOUBTS ABOUT VENEZUELA, NIGERIA, SYRIA, RUSSIA, CHINA 1936 KENYA 1. NIGERIA AIRSTRIKE AND THE JIHADIST SHIFT Guest: Edmund Fitton-Brown Edmund Fitton-Brown analyzes a US airstrike against ISIS in Nigeria, discussing the growing jihadist threat in West Africa's "ungoverned spaces." He highlights a strategic shift where African juntas reject Western support for Russian mercenaries, who offer security without governance conditions, inadvertently boosting local support for Al-Qaeda coalitions like JNIM,,. 2. EASTERN MEDITERRANEAN ALLIANCE VS. TURKEY Guest: Edmund Fitton-Brown Fitton-Brown examines the cooperation between Greece, Cyprus, and Israel as a necessary pushback against Turkish President Erdogan's neo-Ottoman expansionism. He argues Erdogan's aggressive rhetoric regarding Jerusalem and maritime claims threatens regional stability, necessitating a unified defense from these democracies to counter Turkish overreach in the Mediterranean,. 3. CHINA'S OIL LOSS IN VENEZUELA Guest: Gordon Chang and Charles Burton The guests discuss how the US removal of Maduro disrupts China's oil supply, leaving Beijing with billions in unpaid debt. They note that Chinese military equipment failed to detect the US operation, embarrassing Beijing. Burton suggests Canada faces a difficult choice between aligning with US hemispheric security or appeasing China,,. 4. 2026: A HOLLOW SUPERPOWER Guest: Gordon Chang and Charles Burton Chang and Burton speculate that the US operation in Venezuela exposes China's inability to protect its allies, making Beijing appear "hollow." Chang argues this weakens China's threat against Taiwan, while Burton suggests that with China's economy failing and its allies collapsing, the regime faces internal instability and a loss of global prestige,. 5. SECTARIAN WARFARE IN SYRIA Guest: Akmed Sharawari Akmed Sharawari reports on escalating violence between Syria's Alawite minority and the central government led by former jihadist Al-Shara. He explains that regime remnants and Russian influence are fueling Alawite defiance, while Druze and Kurdish factions also resist integration, complicating US hopes for a stable, unified post-Assad state,,. 6. WESTERN AIRSTRIKES ON ISIS Guest: Akmed Sharawari Sharawari discusses recent British and French airstrikes against ISIS weapons caches in Syria. He notes that despite opposing the central government, ISIS remains a universal threat. The chaos following the Assad regime's fall has allowed ISIS cells to regroup in urban areas, necessitating Western intervention to destroy their stolen arsenals,. 7. HEZBOLLAH'S LATIN AMERICAN FINANCING Guest: David Daoud David Daoud details Hezbollah's deep entrenchment in Venezuela, used to challenge US hegemony. He explains how the group exploits Latin American networks, illicit trade, and legitimate business fronts within expatriate communities to generate essential funding, compensating for losses in Lebanon and serving Iran's broader strategy in the Western Hemisphere,. 8. LEBANESE ARMY COLLUSION Guest: David Daoud Daoud highlights the compromised nature of the Lebanese Armed Forces (LAF), citing a recent incident where an LAF soldier killed alongside Hezbollah members received a joint funeral. He argues this collusion makes the LAF an untrustworthy partner for Israel, as sectarian loyalties often supersede national duty, leading to dangerous intelligence leaks,. 9. THE FALL OF MADURO Guest: Alejandro Peña Esclusa and Ernesto Araújo Alejandro Peña Esclusa celebrates the swift US capture of Maduro as Venezuela's liberation. He argues Vice President Delcy Rodriguez must now dismantle the "Cartel of the Suns" to avoid Maduro's fate. Ernesto Araújo frames this as a decisive victory for freedom, forcing a choice between democracy and criminal syndicates,,. 10. US DEMANDS: TERRORISTS OUT Guest: Alejandro Peña Esclusa Peña Esclusa supports US demands for Iran, Hezbollah, and the ELN to be expelled from Venezuela, asserting the population shares these desires. He characterizes Maduro as a drug lord and a threat to Western security, criticizing European leftists who condemn the operation for failing to recognize the regime's criminal nature. 11. PANIC AMONG THE LATIN LEFT Guest: Alejandro Peña Esclusa and Ernesto Araújo Ernesto Araújo explains that leftist leaders like Lula and Petro fear the US action against Maduro because their power structures share similar corruption. Peña Esclusa adds that Colombian President Petro is terrified because his campaign was funded by Venezuelan drug money, making him vulnerable to the exposure of these secrets,. 12. THE RIGHTWARD SHIFT IN ELECTIONS Guest: Alejandro Peña Esclusa and Ernesto Araújo Araújo predicts the US action in Venezuela will energize the Latin American right, specifically boosting the Bolsonaro movement in Brazil. Peña Esclusa forecasts electoral defeats for the left in Costa Rica, Peru, and Colombia, arguing the region is turning away from narco-socialism toward US-aligned conservative leadership,. 13. RUSSIA'S MAXIMALIST DEMANDS Guest: John Hardie John Hardie outlines Russia's unyielding demands for peace, including territorial concessions and barring Ukraine from NATO. He notes that while Zelensky is nearing agreement with the West on security guarantees, the gap with Russia remains wide. Hardie urges the Trump administration to increase pressure to force Putin to compromise,. 14. THE IMPOSSIBLE DMZ Guest: John Hardie Hardie discusses the complexities of implementing a demilitarized zone (DMZ) in Ukraine, citing disagreements over sovereignty and administration. Regarding the Zaporizhzhia nuclear plant, he notes Russia is unlikely to return control to Ukraine. He concludes that peace deals requiring Ukraine to cede territory are "poison pills" likely to fail,. 15. HAMAS AND THE IMPOSSIBLE RECONSTRUCTION Guest: Peter Berkowitz Peter Berkowitz argues that Hamas, as a Muslim Brotherhood offshoot, remains committed to Israel's destruction, making peace impossible. He criticizes the "Project Sunrise" reconstruction plan, noting that US-led development is futile without first disarming and deradicalizing Gaza, a task only the IDF can currently achieve given Hamas's refusal to surrender,. 16. IRAN ON THE BRINK Guest: Jonathan Sia Jonathan Sia reports on unprecedented Iranian protests and rumors that Ayatollah Khamenei plans to flee to Moscow. He attributes the regime's panic to the recent fall of allies like Maduro. Sia notes a shift in protester sentiment toward pro-monarchy chants, suggesting a coordinated opposition now exists to replace the theocracy,.

US DEMANDS: TERRORISTS OUT Colleague Alejandro Peña Esclusa. Peña Esclusa supports US demands for Iran, Hezbollah, and the ELN to be expelled from Venezuela, asserting the population shares these desires. He characterizes Maduro as a drug lord and a threat to Western security, criticizing European leftists who condemn the operation for failing to recognize the regime's criminal nature. NUMBER 10 1886 BOGOTA

PANIC AMONG THE LATIN LEFT Colleagues Alejandro Peña Esclusa and Ernesto Araújo. Ernesto Araújoexplains that leftist leaders like Lula and Petro fear the US action against Maduro because their power structures share similar corruption. Peña Esclusa adds that Colombian President Petro is terrified because his campaign was funded by Venezuelan drug money, making him vulnerable to the exposure of these secrets. NUMBER 11 1910 BRAZIL NATIONAL LIBRARY

THE RIGHTWARD SHIFT IN ELECTIONS Colleagues Alejandro Peña Esclusa and Ernesto Araújo. Araújopredicts the US action in Venezuela will energize the Latin American right, specifically boosting the Bolsonaromovement in Brazil. Peña Esclusa forecasts electoral defeats for the left in Costa Rica, Peru, and Colombia, arguing the region is turning away from narco-socialism toward US-aligned conservative leadership. NUMBER 12 1956 BRAZIL

Full Text of Readings The Saint of the day is Saint Raymond of Peñafort Saint Raymond of Peñafort's Story Since Saint Raymond of Peñafort lived into his hundredth year, he had a chance to do many things. As a member of the Spanish nobility, he had the resources and the education to get a good start in life. By the time he was 20, he was teaching philosophy. In his early 30s he earned a doctorate in both canon and civil law. At 41 he became a Dominican. Pope Gregory IX called him to Rome to work for him and to be his confessor. One of the things the pope asked him to do was to gather together all the decrees of popes and councils that had been made in 80 years since a similar collection by Gratian. Raymond compiled five books called the Decretals. They were looked upon as one of the best organized collections of Church law until the 1917 codification of canon law. Earlier, Saint Raymond of Peñafort had written for confessors a book of cases. It was called Summa de Casibus Poenitentiae. More than simply a list of sins and penances, it discussed pertinent doctrines and laws of the Church that pertained to the problem or case brought to the confessor. At the age of 60, Raymond was appointed archbishop of Tarragona, the capital of Aragon. He didn't like the honor at all and ended up getting sick and resigning in two years. He didn't get to enjoy his peace long, however, because when he was 63 he was elected by his fellow Dominicans to be the head of the whole Order, the successor of Saint Dominic. Raymond worked hard, visited on foot all the Dominicans, reorganized their constitutions and managed to put through a provision that a master general be allowed to resign. When the new constitutions were accepted, Raymond, then 65, resigned. He still had 35 years to oppose heresy and work for the conversion of the Moors in Spain. He convinced Saint Thomas Aquinas to write his work Against the Gentiles. In his 100th year, the Lord let Raymond retire. Reflection Raymond was a lawyer, a canonist. Legalism can suck the life out of genuine religion if it becomes too great a preoccupation with the letter of the law to the neglect of the spirit and purpose of the law. The law can become an end in itself, so that the value the law was intended to promote is overlooked. But we must guard against going to the opposite extreme and seeing law as useless or something to be lightly regarded. Laws ideally state those things that are for the best interests of everyone and make sure the rights of all are safeguarded. From Raymond, we can learn a respect for law as a means of serving the common good.Saint of the Day, Copyright Franciscan Media

In this episode of The Passive House Podcast, co-host Mary James discuss Passive House practices with James Petersen, founder of Petersen Engineering. The episode focuses on domestic hot water systems and their electrification, particularly in the context of Passive House standards. Petersen explains the challenges with current technologies, options for heat recovery, and the impact of location-specific energy costs. The conversation covers specific techniques such as solar thermal, drain water heat recovery, and the importance of accurate data for system sizing. Despite the cost challenges, clients are moving towards electrification due to regulations and environmental motivations. https://www.petersenengineering.com/Join James on January 14th 2026: https://passivehouseaccelerator.com/events/101-domestic-hot-water-multifamily?date=2026-01-14James Petersen, PE, is Owner and Principal of Petersen Engineering, an 18-person MEP/FP firm, with over four decades of experience designing integrated building mechanical systems. He brings a holistic approach that combines MEP design, building science, and enclosure coordination, and has served as principal-in-charge on more than 70 large Passive House projects. James currently volunteers as President of Passive House Mass and serves on the HCA Portsmouth Hospital Board of Directors.Thank you for listening to the Passive House Podcast! To learn more about Passive House and to stay abreast of our latest programming, visit passivehouseaccelerator.com. And please join us at one of our Passive House Accelerator LIVE! zoom gatherings on Wednesdays.

Donara Jaghinyan – Transformation and Integration Leader Donara joins us to pull back the curtain on why integrations break—and what it actually takes to make them work. With deep experience across healthcare, SaaS, professional services, and financial services in both public and PE-backed environments, Donara has led diligence, post-close integration, TSA execution, and enterprise system implementations. This episode tackles the hard truths about carve-outs, TSA management, day-one readiness, and the cross-functional dependencies that most teams miss until it's too late. If you've ever wondered why integration timelines slip or costs balloon, this conversation delivers the answers. Things you will learn: Why TSAs aren't contracts, they're projects with hard deadlines, cost escalations, and integration dependencies that functional teams consistently underestimate The hidden complexity of carve-outs and how scope, vendor negotiations, and people gaps create surprises even with solid diligence How Integration Management Offices (IMOs) orchestrate cross-functional dependencies that functional leads can't see  _____________

U 22. epizodi Peder, Pop i Pravnik Podcasta cepamo nekoliko „svetih krava“ odjednom. Prvo se bavimo intervjuom mitropolita bačkog u Pečatu i njegovom tvrdnjom da se „ne bavi politikom“ – a onda prolazimo kroz delove intervjua koji vrlo jasno ulaze u politički teren. Razlažemo šta znači kad crkveni vrh tvrdi da je van politike, dok istovremeno aktivno učestvuje u oblikovanju javnog mnjenja. Zatim ulazimo u priču o kalendarima: zašto se i dalje tvrdoglavo čuvamo julijanskog, iako je SPC zvanično prihvatila Milankovićev (a nikad ga zapravo nije primenila)? Kome je u interesu da se širi mit da su pravoslavni novokalendarci „na papinom“ kalendaru, i zašto se narodu nikad jasno ne ispriča priča o srpskom, Milankovićevom kalendaru – iako se trenutno poklapa sa gregorijanskim? Pričamo i o svakodnevnoj šizofreniji: kako „papin“ kalendar smeta za Božić, ali ne smeta za platu, kredit i godišnji odmor; zašto se pravi veštačka dihotomija između „običnog“ i „verskog“ života; i šta uopšte znače običaji u 21. veku, kad čovek iz velikog grada nema ni šumu da ode po badnjak, ali ima parking ispred tržnog centra. Dotaknemo se i simbolike badnjaka: ako badnjak u pesmici zovemo „ti naš dragi rođače“ i ako simbolizuje Hrista – zašto ga onda ritualno bacamo u vatru, i koliko se tu izgubio izvorni smisao, a koliko je ostao samo folklor, roštilj i petarde. Pitamо se i šta će biti za manje od 100 godina, kada razlika između julijanskog i gregorijanskog kalendara naraste na dodatni dan i Božić padne 8. januara. Da li će nastati novi raskol među onima koji ne razumeju pitanje kalendara i misle da je 7. januar neki „sveti datum“ (zašto uopšte izražavamo datume po „novom“ kalendaru)? I zašto se SPC već sada ne posveti tome da spreči budući raskol – ako Crkva tvrdi da se bavi večnošću, onda je manje od 100 godina u crkvenom smislu samo tren. Tu su i neke sveže anegdote iz života SPC, pa mali geopolitički skok do Venecuele i najnovijeg američkog upada – i kako se isti obrasci moći vide i u crkvenim, i u svetskim strukturama. Na kraju – posebno iznenađenje za ljubitelje poezije vladike Fotija, uz naš prepoznatljivi komentar. Ako vam se sviđa ovo što radimo, podržite nas na Patreonu: patreon.com/dopisi Lajk, subscribe, komentar – i podelite epizodu nekome ko se još svađa oko toga koji je kalendar „pravi“. #PPP #podcast #SPC #kalendar #Milanković #pravoslavlje #politika #religija #DopisiIzDiznilenda #Venecuela

Pulmonary embolisms don't always announce themselves... sometimes they ambush. One minute your patient is walking with physical therapy, the next they're hypotensive, hypoxic, and coding. This re-released early episode dives deep into why PE patients can look deceptively stable… right up until they aren't.In this episode, I revisit one of my earliest case-based teachings on pulmonary embolism, updated with an added segment on vasopressin use in obstructive shock from PE. Through real bedside stories from my time as a rapid response and ER nurse, we break down the physiology behind PE-related collapse, why intubation isn't always the answer, and how to think through management when the right ventricle is failing in front of you. This is a sobering but essential refresher on one of the most dangerous diagnoses we encounter.Topics discussed in this episode:Why pulmonary embolism is a common cause of in-hospital cardiac arrest (even if it's not common overall)Classic and subtle PE presentations and why they're often missedA real-time rapid response case: stable to crashing in minutesRisk factors for PE and the anticoagulation double-edged swordObstructive shock explained: what's actually killing the patientRight ventricular failure, septal bowing, and the spiral of deathWhy intubation can worsen outcomes in massive PEVasopressors in PE: norepinephrine, epinephrine, and vasopressinThe unique benefits of vasopressin in obstructive shockThrombolysis vs. thrombectomy: when TPA helps — and when it's deadlyBedside echo findings that point to massive PEWhy PE patients can crash during transport (and what to always bring)Nursing vigilance, rapid escalation, and activating help earlyWhen perfect care still isn't enough and the heart of nursing in end-of-life momentsMentioned in this episode:CONNECT

¡¡NUEVO PODCAST!!-Dr. Juan Francisco Rivera Ramos… “La Resaca”   -Ariadna Tapia…  ¿Por qué los 12 primeros días del año son tan importantes?  -José Antonio Valdés Peña…  “Lo Mejor de 2025” (Cine Internacional)     -Adrián Gutiérrez Ávila…. “Auditoria del 2025”    -Sandra Corcuera. Tarot Terapéutico de Enero (2026)  

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In this episode of Head, Heart, and Boots, Brandon and I dig into one of the most overlooked drivers of growth in service businesses: the client experience. Sparked by a frustrating real-world story, we unpack how even well-intentioned teams can slowly erode trust through poor communication, missed expectations, and a lack of follow-through - and why those failures compound over time. We talk candidly about how competition in restoration and home services is changing, why today's customers are more informed and more skeptical than ever, and how growth, PE-backed operators, and higher deductibles are raising the bar for professionalism across the industry. From engineering a client experience instead of relying on heroics, to setting expectations early, owning the hard parts of the process, and designing workflows that protect trust, this episode is a practical reminder that growth doesn't come from doing more work - it comes from doing the work better. If you're a business owner or leader trying to scale without sacrificing reputation, referrals, or sanity, this conversation is a must-listen. Hope you enjoy. Chris Why You Should Listen [00:02:45] How a single bad customer experience exposed the quiet ways service quality erodes - even inside well-run companies [00:06:09] Why growth, higher deductibles, and more sophisticated competitors are forcing service businesses to rethink how they win and retain clients [00:09:45] How poor communication and unmanaged expectations turn customers into project managers - and destroy trust in the process [00:18:08] Why engineering a client experience beats relying on individual heroics — and how workflows protect both customers and teams [00:29:27] How setting expectations early, telling clients the hard truths, and embracing friction can actually become your biggest competitive advantage Did you know... Only 30% of businesses listed for sale actually find a buyer? Even more striking, just 10% of those sell for the price their owners anticipated or higher, meaning only 3% of all business owners achieve their desired sale price. By focusing on understanding and enhancing your enterprise value, you can significantly boost your chances of joining that successful 3%. Business Health & Value Assessment Start Assessment Know Your Enterprise Value. See Your Potential Gaps. Complete this assessment in less than 15 minutes and receive a free assessment for your business that includes: A Lite Valuation Of Your Business Your Value Multiplier Per Your Industry Health Assessment Per Our PYB Methodology Business Value & Growth Roadmap Tailored For You Value Acceleration Strategies Spotlight on Floodlight: Your Secret Weapon for Sales & Scaling This isn't a paid plug. It's real talk from the front lines. If you've ever thought, “How do I get a VP-level sales leader or even a sales team without hiring full-time?” Floodlight has the answer. Fractional Sales Leadership They act as your outsourced VP of Sales, taking full responsibility for training, managing, and growing your sales team. No six-figure hire needed. Clients often close 20 to 50 percent more deals within six months, thanks to data-driven coaching, CRM setup, scripts, and performance reviews.More at floodlightgrp.com/sales Commercial Sales MasterCourse A self-paced, video-driven B2B sales course designed specifically for restoration teams. Perfect for building commercial revenue and getting free from TPA handcuffs. Covers mindset, prospecting, pipeline building, LinkedIn lead generation, and includes a $250 discount with code SALESBOOST.Details at floodlightgrp.com/courses Tailored Consulting & Coaching Floodlight's Propel Your Business methodology offers a full-circle roadmap: financials, sales, marketing, leadership, recruiting, productivity. All built for contractors. These aren't “life coaches.” They're former restoration owners who've lived the chaos and know how to scale out of it.Explore more at floodlightgrp.com Live Training, Tools & Strategic Partnerships Floodlight also delivers live onsite and virtual training, keynote speaking, and leadership tracks covering operations, project management, and strategic growth. Bonus: They've vetted tools like Xcelerate, Liftify, and Sureti. Floodlight clients get access to exclusive discounts on tech that actually moves the needle.See all partnerships at floodlightgrp.com/partners Why it matters for you as a listener You don't need to figure this stuff out alone. If you're serious about sales growth, operational clarity, exit readiness, or leadership development, Floodlight is already helping folks like you scale smarter. And you get it from industry insiders. People who've sat in your chair, survived the fires, and built systems that actually work.

Join the brand new season of Elite Finance Podcast with Kaushik, with Greg Giordano, from Veritas Capital, one of the leading technology & services Private Equity firms in the world! The Elite Finance podcast features elite professionals & investors from the top PE, HF, VC, IB & AI firms in the world. Kaushik is the leading voice in the High Finance space, having built 3 Private Equity platforms to date, including Onefinnet, the #1 Finance platform in the world245 | Greg's Intro350 | Greg's Experience with Onefinnet500 | What does Veritas Actually Do700 | What does it Look Like to Work in Private Equity900 | Different Kinds of Private Equity Firms1100 | What Goes in Minds of Private Equity Investors1300 | Best Practices of Due Diligence for Private Equity Firms1500 | How to Overcome Large Risks in Private Equity1710 | Strategies Employed in Private Equity2000 | How does a Private Equity Deal Look Like2240 | Private Equity : How does Value Addition Work2510 | Private Equity : Kinds of Exit Strategies2845 | Promising Market Sectors for Next 5 Years3100 | Competition : How to Standout from other Private Equity Firms3350 | Deal Sourcing : How does a Deal Lands with a Firm3600 | Importance of Teams : How is a Team Formed3850 | How to Build a Skillset for Private Equity Operator4110 | Role & Impact of Technology in Private Equity4345 | Future of AI and Human Capital in Finance Industry4630 | Balancing Short-Term & Long-Term Investments 4935 | How to Standout as Candidate for Private Equity5225 | Early Careers : How to Standout as an Analyst5530 | Potential Candidate : Important Factors to Standout5850 | How does Operational Sides of Private Equity Look Like10130 | Challenges You Face in Private Equity10355 | How does MBA help in Career10700 | One Piece of Advice10845 | Ending Note

CELÝ ROZHOVOR V DÉLCE 67 MIN. JEN NA ⁠HTTPS://HEROHERO.CO/CESTMIR⁠⁠⁠⁠ A ⁠HTTPS://FORENDORS.CZ/CESTMIR „Politické strany ve vládě si jen hrají na demokratické politické strany. Jsou to jen kulisy,“ říká politický komentátor a spoluautor podcastu Kecy & Politika Bohumil Pečinka, když popisuje současnou podobu nového vládního kabinetu. Podle něj se skutečná podoba moci ukáže až ve chvíli, kdy Andrej Babiš projde hlasováním o vydání k trestnímu stíhání a přestane být na svých partnerech závislý. „V tu chvíli se ta politika rozvine a my budeme moct říct, jak ten systém vlastně vypadá,“ říká. V rozhovoru mluví o návratech obrazů, které mu připomínají normalizaci – scénu „omluvných“ videí ministra obrany za SPD Zůny poté, co označil Rusko za agresora, označuje za „strašně trapnou a ponižující situaci“. Zároveň vysvětluje, proč by jako poslanec nehlasoval pro vydání Tomia Okamury ke stíhání a proč považuje nadužívání trestního práva za dlouhodobý problém českého státu. „Už od dob komunismu tady je zvyk řešit všechny situace trestním právem,“ říká. Silná část rozhovoru se točí kolem Filipa Turka a sporu o jeho případné působení ve vládě. Pečinka o něm mluví bez obalu. „Na mě působí jako absolutní asociál, který přišel z jiného světa,“ říká a dodává, že jedenáct let podnikání bez živnostenského oprávnění je podle něj znakem člověka stojícího mimo systém. „To je úplně za hranou představivosti, že by ministr mohl tohle udělat,“ dodává a varuje před legitimizací přístupu, kdy zákony platí jen pro někoho. Rozhovor se dotýká i vztahu České republiky k Ukrajině a Pečinkova rozčarování z postoje Andreje Babiše, který podle něj popřel historickou zkušenost země, jež sama zažila zradu a nezájem spojenců. Hlasování na Evropské radě označuje za „obrovské zklamání“ a přirovnává český postoj k pozici Nevilla Chamberlaina. Řeší ale také proměny médií a nástup „kmenové“ mentality. Pečinka mluví o tom, proč část politiků už nemá potřebu chodit do konfrontačních rozhovorů a proč novinář podle něj nesmí být jen ozvěnou své bubliny. „Hlavní úskalí je nebýt formulátorem pocitů, které si vynucují čtenáři,“ říká. Kdy se z kulis stane skutečná moc? Kde končí politická taktika a začíná normalizační logika? A co vypovídá o státu, když se do vlády dostávají lidé, kteří podle Pečinky „stáli mimo systém“? I to se dozvíte v rozhovoru.

Titulares. Iñaki Williams carga contra la Supercopa en Arabia. Entrevista a Enrique Cerezo. Preúvas desde la Puerta del Sol. Tiempo de Opinión. Hablamos con Silvia Rodríguez, presidenta de la Federación Catalana de Peñas del Espanyol. #MundoMaldini. The Americans.

The final QAV episode of 2025 is a wide-ranging year-end wrap that blends portfolio performance, market structure, and deeper system thinking. Cameron and Tony review an exceptional six-month run for QAV portfolios, with multiple stocks delivering triple-digit returns, before drilling into what actually drove those results. Tony presents a data-heavy “Pulled Pork” analysis that isolates growth over PE as a potential explanatory factor behind this year's outperformance, raising the possibility of a future refinement to the QAV scoring system. The conversation then moves through global market performance, leadership changes at Woodside, takeover drama at HUM, crowd psychology, housing constraints, and the economics of modern media, closing with books, TV, and reflections on how fast time now seems to move.

Rusia a promis că va riposta după ce a acuzat Ucraina că a lansat atacuri cu drone asupra reședinței lui Vladimir Putin, situată între Moscova și Sankt Petersburg. Kievul a respins aceste acuzații. Iar președintele Trump, care încearcă să medieze un acord de pace și-a exprimat furia la vestea presupuselor atacuri. Deci, ce urmează? – se întreabă comentatorii. Trump este „foarte furios”, titrează Forbes, notând că președintele american a insistat că „nu este momentul potrivit. Una e să fii ofensiv, pentru că ei sunt ofensivi. Cu totul altceva e să-i ataci casa”, a declarat liderul de la Casa Albă The Moscow Times observă însă că este neobișnuit ca o declarație referitoare la un posibil atac cu drone să vină de la ministrul de externe, Serghei Lavrov. ”De obicei, Ministerul Apărării din Rusia și autoritățile regionale raportează despre atacurile cu drone ucrainene, nu ministrul de externe. Chiar dacă incidentul va fi confirmat, tot nu ar fi prima dată când dronele ucrainene ajung în zone în care locuiește Putin”. ”Va deraia acest lucru discuțiile de pace?” – se întreabă First Post. ”Existența acestei proprietăți de lux a fost dezvăluită în 2021 de aliații lui Alexei Navalnîi, celebrul lider al opoziției, care a murit în închisoare în 2024. Mulți observatori ai relației Rusia-Ucraina cred că atacurile cu drone, care ar fi avut loc la o zi după ce Zelenski s-a întâlnit cu Trump, ar putea deraia discuțiile de pace în curs și că Kievul nu ar câștiga nimic din aceste atacuri”. Un complex balnear, un lansator de rachete și o vilă secretă Newsweek notează că  ”asigurarea unui acord mult așteptat privind Ucraina ar fi un moment crucial pentru Trump, autoproclamat mediator global. Acesta crede că Putin vrea să pună capăt războiului și pune presiune pe Kiev să facă compromisuri dureroase. Însă aliații Kievului se îndoiesc în legătură cu adevărata dorință de pace a Moscovei și cred că Kremlinul vrea să amâne sau să saboteze complet fragilul proces pentru a putea continua lupta și a ocupa mai mult teritoriu ucrainean, înșelându-l pe Trump”. Dar ce se află în zona presupus atacată? Le Figaro descrie această reședință. ”Acolo se află un complex balnear, un lansator de rachete și o vilă secretă. Oficial, Vladimir Putin are șase reședințe prezidențiale, legate de funcția sa, și se spune că se bucură de aproape tot atâtea proprietăți private, deși nicio informație nu este complet certă. Moscova acuză Ucraina că a vizat această reședință extraordinară din Valdai. Proprietatea aparține nu doar Federației Ruse, ci și în mod privat unei companii deținute de un apropiat al liderului de la Kremlin. Pe cele 150 de hectare aparținând Federației Ruse au fost construite depozite, garaje, hangare, pensiuni și, foarte probabil, vehiculele de lansare a rachetelor care au generat atâtea discuții vara trecută. Imaginile din satelit publicate în august 2025 de Radio Europa Liberă au dezvăluit prezența a 12 vehicule blindate antiaeriene ceea ce ar arăta că reședința este probabil unul dintre spațiile de locuit preferate ale președintelui rus”.

Măsura vizează concediile medicale care vor fi eliberate în perioada 1 februarie 2026 – 31 decembrie 2027. Decizia a fost luată ieri, printr-o Ordonanță de Urgență aprobată în ultima ședință de guvern din 2025. Contactat de HotNews, Ministrul Sănătății, Alexandru Rogobete, vorbește despre o măsură „tranzitorie, inițial gândită pentru 2 ani. Dar, dacă fenomenul concediilor medicale fictive scade semnificativ, ea se poate reduce și se poate anula oricând, nu este o măsură definitivă.” „Sigur că este menit să scadă numărul de concedii medicale, în special al celor scurte, de 2-3 zile, care, de obicei, au fost identificate atunci când se făceau punți sau, în urma controalelor, s-au identificat că sunt concedii fictive”, spune ministrul, în dialogul cu HotNews. G4Media prezintă lista zilelor libere din 2026: Fără „punte” pentru minivacanța de început de an / Câte sărbători legale sunt anul viitor și câte cad în timpul săptămânii. Pe parcursul anului vor fi 17 sărbători legale, dintre care 12 cad în timpul săptămânii. Unele dintre acestea s-ar putea transforma în minivacanțe prin așa-numitele „punți”, adică alte zile libere acordate special pentru a face legătura cu weekendurile, care, teoretic se recuperează cu altă ocazie. Însă Guvernul Bolojan a decis să întrerupă acest obicei. Chiar începutul anului 2026 vine cu o minivacanță de o săptămână, întreruptă de o zi lucrătoare. Primele două zile sunt libere, urmează weekendul, apoi o zi lucrătoare, urmată de alte două zile libere, în 6 și 7 ianuarie. Europa Libera scrie despre modificările fiscale de la 1 ianuarie 2026. Cele mai multe vizează firmele. Cresc taxele pe proprietăți și impozitele pe venituri. Din 2026 cresc taxele pentru persoane fizice: impozitul pe dividende și criptomonede urcă la 16%, iar câștigurile bursiere la 3%–6%. Impozitele pe mașini și locuințe cresc semnificativ. Apar taxe pentru proprietăți de peste 2,5 milioane de lei și un impozit anual pentru mașinile electrice. Persoanele Fizice Autorizate (PFA) și activitățile independente plătesc CASS la plafoane majorate. Firmele se confruntă cu cele mai multe schimbări de impozitare și noi măsuri stricte de disciplină fiscală. Miza anului 2026: Intrarea României în „Clubul Bogaților” scrie Deutsche Welle La aproape două decenii de când România și-a asigurat securitatea prin NATO și dezvoltarea prin UE, țara se pregătește pentru asaltul final asupra ultimei mari redute de politică externă: aderarea la OCDE. Organizația pentru Cooperare și Dezvoltare Economică (OCDE) nu este nici o bancă și nici nu dă legi. Este însă un for care reunește cele mai dezvoltate 38 de economii ale lumii precum SUA, Japonia, Australia și majoritatea statelor UE, mai puțin România, Bulgaria și Croația, care sunt în procesul de aderare. A face parte din OCDE înseamnă că statul tău funcționează după cele mai înalte standarde globale, fiind o garanție supremă pentru investitorii străini. Coordonatorul național pentru procesul de aderare, Luca Niculescu, subliniază: „NATO îți oferă securitate, Uniunea Europeană prosperitate. OCDE îți aduce mari beneficii reputaționale. O țară care este în OCDE atrage automat mai multe investiții și mai multe investiții de calitate “, explică oficialul. Totuși, în spatele optimismului afișat la Palatul Victoria, realitatea din dosarele de negociere arată că anul 2026 va fi un test dureros pentru clasa politică, obligată să renunțe la pârghii de control pe care le deține de trei decenii. În timp ce autostrada A7 se construieşte şi pacea se discută la Washington, iar România aşteaptă să pună umărul la reconstrucţia Ucrainei, ne cumpără investitori ucraineni pe noi. 10 exemple de tranzacţii şi investiţii făcute în România de antreprenori şi companii din Ucraina, citim în Ziarul Financiar. ZF a identificat zece exemple de investiţii de la zero şi tranzacţii relevante în ultimii ani. Acesta nu este un top şi nu este exhaustiv, fiind doar un exerciţiu jurnalistic menit să releve cum în timp ce investitorii români stau în expectativă pentru a pune umărul la reconstrucţia ţării aflate la nord de graniţă, cei din Ucraina deja pariază local. FMCG, retail, modă, hrană pentru animale de companie şi ambalaje sunt doar câteva dintre domeniile pe care aceşti antreprenori şi aceste companii au pariat.

Top Stories for December 30th Publish Date: December 30th From the BG AD Group Studio Welcome to the Gwinnett Daily Post Podcast. Today is Tuesday, December 30th and Happy Birthday to Sandy Koufax I’m Peyton Spurlock and here are your top stories presented by KIA Mall of Georgia. Georgia State Parks offering First Day Hikes You can ring in the New Year early with your kids at Stone Mountain Park Registration for Georgia Rivers spring events now open All of this and more is coming up on the Gwinnett Daily Post podcast, and if you are looking for community news, we encourage you to listen daily and subscribe! Break 1: Kia Mall of Georgia - Sugar Hill Ice Skating Rink STORY 1: Georgia State Parks offering First Day Hikes Kick off 2026 with a breath of fresh air—literally. Georgia State Parks are bringing back their First Day Hikes tradition on New Year’s Day, offering guided adventures for everyone, from casual strollers to hardcore hikers. Bonus? You’ll snag a First Day Hikes sticker to prove you started the year on the right foot. At Indian Springs, choose between a three-mile trek at 10 a.m. or a laid-back “Easy Breezy” hike at 1 p.m. High Falls? Two hikes, coffee, Chick-fil-A, and even a K-9 demo. Amicalola Falls adds a Birds of Prey show. Parking fees apply—call ahead to register! STORY 2: You can ring in the New Year early with your kids at Stone Mountain Park Stone Mountain Park’s got your New Year’s plans covered—especially if you’ve got kids (or just don’t want to stay up ‘til midnight). On Dec. 31, they’re doing an early countdown at 9 p.m., complete with fireworks and even snow. The fun kicks off at noon with Stone Mountain Christmas attractions, but the real magic happens at 8 p.m. Princess Aurora’s Light Spectacular and the Christmas Drone Show take center stage—this year with fire drones. Yep, drones that shoot fireworks. Think Santa’s sleigh launching sparks. Afterward? Music, dancing, and that 9 p.m. countdown. Who needs midnight anyway? STORY 3: Registration for Georgia Rivers spring events now open Ready to paddle into 2026? Georgia Rivers just dropped its adventure-packed schedule, and it’s a dream for river lovers—whether you’re a seasoned kayaker or just figuring out which end of the paddle goes in the water. From the Okefenokee Swamp to the Toccoa’s whitewater, there’s something for everyone: weekend camping trips, kayak fishing classes, even beginner-friendly “Kayaking 101” sessions. Oh, and don’t miss the America250 trips—history lessons on the water. Scholarships are available, too, because everyone deserves a chance to explore Georgia’s rivers. Check out the full lineup at garivers.org and start planning your next adventure. We have opportunities for sponsors to get great engagement on these shows. Call 770.874.3200 for more info. We’ll be right back Break 2: Ingles Markets STORY 4: In Gwinnett, it’s hard to afford housing on less than $75,000 a year Jeannie Johnson works two full-time jobs. At 54, she’s still chasing the dream most people take for granted—owning a home. “I’ve never bought a house. Never even had a brand-new car,” she says, standing on the back porch of her rented townhome in Lawrenceville. Her kids, grown but not gone, help with rent and groceries. Anayah, her daughter, once thought about moving out—until she saw the prices. “She said, ‘Yeah, I think I’ll stay home a little longer.’” Rent’s nearly doubled in recent years, from $785 to $1,485. Saving? Forget it. “Maybe someday,” Jeannie says. STORY 5: Lanier Islands Resort offers two ways to ring in the New Year Looking for a New Year’s Eve plan that works for everyone? Lanier Islands Resort might just have you covered. Whether you’re chasing a family-friendly evening or a grown-ups-only Havana Nights bash, they’ve got something for both vibes. For the kids (and parents who’ll probably be in bed by 10), there’s a celebration at Game Changer—think arcade games, duckpin bowling, axe throwing, and a sparkling cider toast at 7 p.m. Free to get in, but activities are pay-as-you-go. Meanwhile, the 21+ crowd can party in style with cocktails, a gourmet buffet, live music, and a champagne toast at midnight. Break 3: DTL HOLIDAY INTERVIEW - MARK BERENS - BERENS FROZEN CUSTARD STORY 6: Gwinnett County Public Library earns North American Innovation award for Hooper-Renwick Themed Library The Gwinnett County Public Library just snagged a huge honor—it’s been named a Top Innovator for 2025 by the Urban Libraries Council. Why? Their new Hooper-Renwick Themed Library in Lawrenceville, a space that’s all about equity, inclusion, and honoring history. “This award means the world to us,” said Charles Pace, GCPL’s executive director. “In a time when libraries face so many challenges, it’s a reminder of why we do what we do.” The library, built on the site of Gwinnett’s only pre-desegregation Black high school, blends history with modern resources, showcasing memorabilia and stories that deserve the spotlight. STORY 7: Lawrenceville's Baggett Elementary is GCPS's lone elementary school offering organized sports At Baggett Elementary, sports aren’t just about the game—they’re about giving kids a place to belong. Even though organized sports don’t officially start in Gwinnett County until middle school, a group of passionate teachers and staff decided to change that. It all started four years ago with basketball. Now? They’ve got T-ball, flag football, soccer, and cheerleading too. “We’ve basically built our own league,” said Jasmin Riley, the school’s PE teacher. The games are in-house—Baggett Blue vs. Baggett Red—but the energy is real. We’ll have closing comments after this Break 4: GCPS Hiring Signoff – Thanks again for hanging out with us on today’s Gwinnett Daily Post Podcast. If you enjoy these shows, we encourage you to check out our other offerings, like the Cherokee Tribune Ledger podcast, the Marietta Daily Journal, or the Community Podcast for Rockdale Newton and Morgan Counties. Read more about all our stories and get other great content at www.gwinnettdailypost.com Did you know over 50% of Americans listen to podcasts weekly? Giving you important news about our community and telling great stories are what we do. Make sure you join us for our next episode and be sure to share this podcast on social media with your friends and family. Add us to your Alexa Flash Briefing or your Google Home Briefing and be sure to like, follow, and subscribe wherever you get your podcasts. Produced by the BG Podcast Network Show Sponsors: www.ingles-markets.com www.kiamallofga.com Ice Rink – Downtown Sugar Hill Holiday Celebration 2025 – City of Sugar Hill Team GCPS https://www.downtownlawrencevillega.com/ NewsPodcast, CurrentEvents, TopHeadlines, BreakingNews, PodcastDiscussion, PodcastNews, InDepthAnalysis, NewsAnalysis, PodcastTrending, WorldNews, LocalNews, GlobalNews, PodcastInsights, NewsBrief, PodcastUpdate, NewsRoundup, WeeklyNews, DailyNews, PodcastInterviews, HotTopics, PodcastOpinions, InvestigativeJournalism, BehindTheHeadlines, PodcastMedia, NewsStories, PodcastReports, JournalismMatters, PodcastPerspectives, NewsCommentary, PodcastListeners, NewsPodcastCommunity, NewsSource, PodcastCuration, WorldAffairs, PodcastUpdates, AudioNews, PodcastJournalism, EmergingStories, NewsFlash, PodcastConversations See omnystudio.com/listener for privacy information.

Tiempo de Opinión. Las peñas del Espanyol piden calma y cabeza fría con la vuelta de Joan García. Hablamos con Silvia Rodríguez, presidenta de la Federación Catalana de Peñas del Espanyol.

The Leveraged Buyout (LBO) is one of the most powerful and high-stakes tools in modern finance. It is the primary engine of the private equity (PE) industry, where a massive amount of debt is used to acquire a company, with the goal of restructuring it for a highly profitable exit.In this episode of Corporate Finance Explained on FinPod, we unpack the mechanics of the LBO, explore why debt is used as a management tool, and analyze the technical hurdles that separate multi-billion dollar wins from high-profile bankruptcies.The Fundamental Structure: Leverage as an EngineAn LBO is an acquisition funded by a small sliver of equity (usually 30%) and a massive layer of debt (usually 70%).The "Mortgage" Analogy: Much like buying a home with a small down payment, the PE firm uses leverage to control a much larger asset. However, in an LBO, the target company assumes the debt used for its own purchase, using its own assets as collateral. Magnifying Returns: Leverage acts as an amplifier. If a firm invests $10M in equity and the company's value grows by 50%, the return on that initial "small" equity check can skyrocket to 200% or 300% upon exit.The 4 Drivers of the LBO ModelBeyond just magnifying profit, the LBO structure forces a specific type of corporate behavior:Enhanced Equity Returns: Using "Other People's Money" (OPM) to minimize the sponsor's initial capital outlay.Disciplined Cash Flow Focus: Debt acts as a "deadline." Management is forced to ruthlessly cut waste and optimize operations to meet mandatory quarterly interest and principal payments.Strategic Flexibility: Taking a company private removes the "quarterly earnings" pressure of the public markets, allowing for long-term, painful restructurings (e.g., the Dell pivot).Multiple Expansion: The goal is to buy at a lower multiple (e.g., 6x EBITDA) and sell at a higher one (e.g., 8x EBITDA) after transforming the business into a lean, predictable machine.Success vs. Failure: Real-World Case StudiesThe Triumphs (Hilton & Dell):Hilton Hotels: Blackstone acquired Hilton in 2007, just before the financial crisis. Success came through digital transformation and a relentless focus on streamlining costs, proving that operational rigor, not just financial engineering, dictates success.Dell Technologies: Private capital allowed Michael Dell to execute a painful pivot from low-margin PCs to high-margin enterprise software without the public market "slaughtering" the stock price.The Cautionary Tale (Toys "R" Us):Took on over $5B in debt in 2005. As a low-margin, cyclical retail business, it couldn't generate enough cash to both service the debt and invest in e-commerce modernization. The debt didn't amplify success; it strangled the ability to adapt.The LBO Analytical ToolkitFinance teams stress-test deals using the LBO Model, which centers on several key technical mechanics:Debt Tranches: Modeling senior debt (low risk/cost, secured) vs. subordinated and mezzanine debt (higher risk/interest, unsecured). Cash Flow Coverage: Lenders obsess over the Debt-to-EBITDA ratio (how many years of cash flow it takes to pay off debt) and the Interest Coverage Ratio. The Exit Strategy: Success is modeled based on IRR (Internal Rate of Return), which is driven by EBITDA growth, debt pay-down, and exit multiple expansion.6 Elements of an Attractive LBO TargetStable, Predictable Cash Flow: Ideally "subscription-like" or defensive.Durable Competitive Advantage: To protect margins during the hold period.Operational Improvement Potential: A clear "fat-to-trim" or optimization thesis.Reasonable Leverage: Avoiding the "Toys R Us" trap of over-leveraging cyclical businesses.Clean Exit Strategy: A clear vision for a sale or IPO from Day 1.Realistic Assumptions: Stress-tested models that account for market downturns.

Overview:In this high-energy episode, Alex Rawlings is joined by Brad Pilcher, Partner and Co-Founder at Bonaccord Capital Partners, a leading mid-market GP Stakes investor. Brad shares his fascinating journey from aspiring concert pianist to private equity investor, and dives deep into how the private equity world is evolving — particularly around culture, capital, talent, and growth.They explore how mid-market firms can scale successfully, the five principles guiding Bonaccord's strategy, and why “professionalization” is now essential across PE — from investor relations and origination to team structuring and multi-product growth.

Cei patru judecători constituționali care au boicotat ședințele de duminică și de luni ale Curții referitoare la pensiile magistraților și-au argumentat decizia prin faptul că Guvernul ar fi trebuit să clarifice în mod public că noul act normativ „va abroga pensiile de serviciu ale magistraților”. Cum se traduce acest lucru? Surse din CCR au explicat pentru HotNews că, de fapt, nemulțumirea este legată de procentul de 70% din ultimul salariu net, cât ar urma să fie pensia unui magistrat după intrarea în vigoare a noii legi, față de 80% din ultimul salariu brut, cum este în prezent (acest lucru a dus la situația, nemaiîntâlnită în Europa, ca pensiile să fie mai mari decât salariile magistraților). Cel mai probabil, cei patru judecători constituționali care au lipsit de la ședința de luni, 29 decembrie, vor cere pe 16 ianuarie o nouă amânare pentru o dată ulterioară, 28 ianuarie, spun sursele. Motivul ar fi acela că judecătorii, care doresc respingerea legii inițiate de Guvernul Bolojan, nu mai dețin majoritatea în CCR. Legea prevede că dacă trei judecători solicită amânarea unei decizii aceasta se amână, dar nu specifică de câte ori se poate face acest lucru, au mai explicat sursele HotNews: „Se poate ajunge și la Paști, cu aceste amânări, cine știe ce se mai întâmplă până atunci”. Boicot sau grevă constituțională? (Europa Liberă)  Profesorul de drept constituțional Bogdan Dima spune că legea CCR prevede sancțiuni în cazul încălcării grave a atribuțiilor de către magistrații constituționaliști, dar e de părere că intenția de a nu asigura cvorumul pentru o ședință nu se poate încadra în categoria faptelor grave. Profesorul Cristian Pîrvulescu spune chiar că legea nu ar trebui schimbată pentru a nu mai permite astfel de situații, părere la care achiesează și Dima. Mecanismele de a da voce minorității, spun cei doi, fac parte din jocul democratic. Lipsa de cvorum, abținerea, amânările sunt forme de exprimare liberă și forme de negociere. Altfel, spun cei doi, s-ar ajunge la situația ca majoritatea să decidă arbitrar fără o dezbatere reală și eficientă. Cum va ieși însă România din acest blocaj rămâne de văzut. Deși menționat constant în ultimele două zile, PSD nu a formulat un punct de vedere. Nu a formulat încă un punct de vedere nici Palatul Cotroceni. Cum e afectată România de războiul dronelor. (Deutsche Welle)  România folosește avioanele militare pentru a se apăra de dronele rusești. Pe termen scurt nu are alte soluții, deși se vorbește despre niște planuri în acest context. O analiză de Sabina Fati: ”Dronele rusești au planat liniștite deasupra spațiului autohton de cel puțin 15 ori în ultimii doi ani: au verificat capacitatea de reacție și poate chiar voința de a răspunde intruziunii lor în spațiul național. Porturile ucrainene la Dunăre, Ismail și Reni, aflate la câțiva kilometri de granița cu România, sunt ținte permanente din 2023 încoace. În toată această perioadă, însă, apărarea țării nu a avansat prea mult și frontiera estică pare să rămână vulnerabilă. Nici Germania nu stă prea bine: acum două zile aeroportul din Hanovra a fost închis aproape 15 ore, după ce mai multe drone s-au apropiat periculos de aeroport. La începutul lunii decembrie, șeful Biroului poliției federale germane, Holger Münch, a declarat că peste 1.000 de zboruri de drone suspecte au fost consemnate în Germania în acest an, iar Rusia este principala suspectă. Incidentele au avut loc în proximitatea obiectivelor militare, în zone portuare și deasupra altor infrastructuri importante. În vreme ce Marea Neagră a devenit un teren de exersare a dronelor rusești și ucrainene, România nu se grăbește să găsească soluții defensive eficiente și uită un principiu de bază: costul apărării trebuie să fie mult mai mic decât cel al atacului”. România se confruntă cu un val de cazuri de gripă (Digi24) Dr Adrian Marinescu, managerul Institutului „Matei Balș” anunță că la Institutul din capitală, de exemplu, s-a dublat numărul bolnavilor care ajung la camera de gardă. Medicii se așteaptă ca în următoarele săptămâni și la începutul anului viitor situația să fie una complicată și fac apel la prevenție prin vaccinare și reguli de protecție.

My eyesight has apparently the humidity of my eyeballs has changed overnight. Meanwhile Daniel is making fun of the class I took in college to fulfill my PE requirement. We take a detour into Greek life and what if the key to being social is just being more social? We discuss bats versus mice and I learn my fish dreams are not uncommon in the aquarium community. Plus your calls and more. Plus we did a round of JMOE, HGFY and Podcast Pals Product Picks. Get yourself some new ARIYNBF merch here: https://alison-rosen-shop.fourthwall.com/ Subscribe to my Substack: http://alisonrosen.substack.com Podcast Palz Product Picks: https://www.amazon.com/shop/alisonrosen/list/2CS1QRYTRP6ER?ref_=cm_sw_r_cp_ud_aipsflist_aipsfalisonrosen_0K0AJFYP84PF1Z61QW2H Products I Use/Recommend/Love: http://amazon.com/shop/alisonrosen Check us out on Patreon: http://patreon.com/alisonrosen   Buy Alison's Fifth Anniversary Edition Book (with new material): Tropical Attire Encouraged (and Other Phrases That Scare Me) https://amzn.to/2JuOqcd You probably need to buy the HGFY ringtone! https://www.alisonrosen.com/store/ Try Amazon Prime Free 30 Day Trial

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.

PRE-ORDER MY NEW BOOK (OUT MAY 5, 2026)!!! - https://bit.ly/43BquPd Teacher besties… this week I brought on one of my favorite chaotic humans: the hilarious Gerry Potoka, comedian, teacher, and man of mysteriously undefined licensure. In this episode, Gerry and I try to pinpoint what he actually teaches, debate whether PE tests are secretly impossible, unpack his “desk art collection,” and discover that his lowercase k is actually a cursive crime. We also react to a voice memo that had both of us questioning the ethics of having “favorite students,” accidentally stumble into a conversation about charcuterie boards and disease vectors, and play a game of Would You Rather: Teacher Edition that reveals way too much about our tolerance for cafeteria behavior. Takeaways: The shocking subject Jerry may, or may not, actually be licensed to teach. Why his lowercase k started an existential crisis in the teacher's lounge. The voice memo that made us both rethink “favorite students” forever. Kinder field trips vs. middle school dances: the battle of true horrors. A charcuterie board, a stomach bug, and a chain reaction that absolutely nobody survived. -- Teachers' night out? Yes, please! Come see comedian Educator Andrea…Get your tickets at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠teachersloungelive.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Educatorandrea.com/tickets⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for laugh out loud Education! — Don't Be Shy Come Say Hi: www.podcasterandrea.com Watch on YouTube: @educatorandrea A Human Content Production Learn more about your ad choices. Visit megaphone.fm/adchoices

Is private equity turning firms into a 'dumpster fire'? Blake and David unpack Accounting Today's survey showing partners are upbeat while staff are sour on PE. They hit Andersen's $176M IPO, why Big Four ties to Big Tech raise independence questions, and how AI could finally kill the billable hour. Plus, what tax pros really charge in 2025 - and the wild 'Middle Finger Ranch' fraud.SponsorsOnPay - http://accountingpodcast.promo/onpay Cloud Accountant Staffing - http://accountingpodcast.promo/casChapters(00:56) - Private Equity in Accounting Firms (01:51) - Sponsor Message: OnPay Payroll Solutions (04:15) - Arthur Andersen's Legacy and IPO (07:45) - Private Equity Survey Results (21:04) - Big Four and Tech Giants (28:25) - Pricing Models for CAS Engagements (30:22) - Tax Preparers' Fees Breakdown (36:12) - Cloud Accountant Staffing (37:34) - Economic Growth and Consumer Spending (40:26) - Fraud Stories: Middle Finger Ranch and More (43:24) - PCAOB Budget Cuts and Enforcement Actions (52:29) - IRS Readiness for Tax Season (53:43) - Conclusion and Upcoming Topics  Show NotesPE in accounting firms: From 'dumpster fire' to excitementhttps://www.accountingtoday.com/news/pe-in-accounting-firms-from-dumpster-fire-to-excitement Andersen Group Shares Gain 47% After $176 Million US IPOhttps://www.bloomberg.com/news/articles/2025-12-17/andersen-group-shares-jump-34-after-176-million-us-ipo Andersen goes public, hits $2.6B valuationhttps://thefinancestory.com/andersen-group-ipo-2-6b-valuation The Big Four consulting firms are embedded in Big Tech. Here's who audits each of the Magnificent 7 companieshttps://www.businessinsider.com/big-four-accounting-audits-magnificent-seven-financial-records-2025-12 What do tax preparers charge? https://www.accountingtoday.com/news/what-do-tax-preparers-charge How much do tax professionals charge in 2025? Insights from NATP's Fee Studyhttps://www.natptax.com/news-insights/blog/how-much-do-tax-professionals-charge-in-2025-insights-from-natp-s-fee-study/ U.S. economic growth surges in third quarter to 4.3%https://www.washingtonpost.com/business/2025/12/23/gdp-economy-consumer-spending/ The US economy expanded at the fastest pace in two years as wealthier Americans kept spending https://www.cnn.com/2025/12/23/economy/us-gdp-q3 Kansas accountant diverted family funds to fictitious 'Middle Finger Ranch'https://kansasreflector.com/briefs/kansas-accountant-diverted-family-funds-to-fictitious-middle-finger-ranch/ Kansas Accountant, Who Created Fictitious 'Middle Finger Ranch' for Fraud Scheme, Sentenced to 4 Years in Jailhttps://www.cpapracticeadvisor.com/2025/12/04/kansas-accountant-who-created-fictitious-middle-finger-ranch-for-fraud-scheme-sentenced-to-4-years/174381/ PCAOB to tighten budget in 2026 https://www.accountingtoday.com/news/pcaob-to-tighten-budget-in-2026 PCAOB Approves 2026 Budget https://pcaobus.org/news-events/news-releases/news-release-detail/pcaob-approves-2026-budget Accounting Firms Must Stop Charging for Timehttps://cpatrendlines.com/2025/12/02/accounting-firms-must-stop-charging-for-time/ Dirty money gangster jailed over plot worth almost £12mhttps://www.dailyrecord.co.uk/news/scottish-news/dirty-money-gangster-jailed-over-36410033 PCAOB Sanctions CPA for Violations Related to Audit Evidence and Her Former Audit Firm for Quality Control Issueshttps://pcaobus.org/news-events/news-releases/news-release-detail/pcaob-sanctions-cpa-for-violations-related-to-audit-evidence-and-her-former-audit-firm-for-quality-control-issues Ahead of Tax Filing Season, Warren, King, 15 Senators Warn of Tax Filing Chaos After Trump Admin Attacks on IRShttps://www.warren.senate.gov/newsroom/press-releases/ahead-of-tax-filing-season-warren-king-15-senators-warn-of-tax-filing-chaos-after-trump-admin-attacks-on-irsNeed CPE?Get CPE for listening to podcasts with Earmark: https://earmarkcpe.comSubscribe to the Earmark Podcast: https://podcast.earmarkcpe.comGet in TouchThanks for listening and the great reviews! We appreciate you! Follow and tweet @BlakeTOliver and @DavidLeary. Find us on Facebook and Instagram. If you like what you hear, please do us a favor and write a review on Apple Podcasts or Podchaser. Call us and leave a voicemail; maybe we'll play it on the show. DIAL (202) 695-1040.SponsorshipsAre you interested in sponsoring The Accounting Podcast? For details, read the prospectus.Need Accounting Conference Info?&n...

Send us a textIn today's episode, I'm chatting with Sami Young - a mom, wife, PE teacher, and avid reader who is perpetually caught between just one more chapter and not knowing what to read next. She's a proud millennial with a TBR list taller than my houseplants, and you might remember her from Episode 63, when she joined me alongside her son, Jarek.Episode Highlights:How Sami keeps a book with her everywhere she goes, even when reading time is short.What her real-life reading routine looks like right now and why nighttime has become her go-to.Easing into audiobooks by co-reading with a print copy.Why she likes to switch genres between books instead of reading the same kind back-to-back.Reflecting on reading aloud to her son when he was younger and how that shaped his love of reading.What it's like to be a family of re-readers (and why their bookshelves are always full).Savoring quiet reading moments - like sitting in the sunshine with a book and wishing it could last forever.Show NotesSome links are affiliate links, which are no extra cost to you but do help to support the show.Books and authors mentioned in the episode:Alan Gratz books (book recs in Ep. 6 with Lilianna)Six of Crows by Leigh BardugoHarry Potter series by J.K. RowlingWhere the Crawdads Sing by Delia OwensThe Four Winds by Kristin HannahPrisoner of War by Michael P. SpradlinThe Other Woman by Sandie JonesBook FlightThe House Across the Lake by Riley SagerPeople We Meet on Vacation by Emily HenryThe Last Year of the War by Susan Meissner✨ Find Your Next Great Read! We just hit 175 episodes of Bookish Flights, and to celebrate, I created the Bookish Flights Roadmap — a guide to all 175 podcast episodes, sorted by genre to help you find your next great read faster.Explore it here → www.bookishflights.com/read/roadmapSupport the showBe sure to join the Bookish Flights community on social media. Happy listening! Instagram Facebook Website

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Derek Moore is joined by Shane Skinner to talk about silver prices going parabolic while Gold, Copper, Platinum, and other metals are clocking in gains. Does the rally continue? They, they look at how well international markets have done crushing the S&P 500 Index this year where Spain's IBEX 35 and South Korea's KOSPI are the top dogs that no one saw coming. Later, they discussed the attribution to gains this year including how much it is due to earnings growth vs the growth of the forward PE multiple. Finally, discussing how much the S&P 500 Index companies' turnover (and have done so at a much higher rate recently) showing the value of owning a momentum index that is diversified.    Oil vs Gold Ratio Silver, Gold, Platinum, and Copper all rallying Surprising international markets crushing it this year including Spain and Korea Russell 2000 Index consensus 2026 earnings forecast sees EPS growing 61% in 2026 What is the Santa Claus rally? S&P 500 Index Company Turnover and disruption Why own indexes and is the S&P 500 Index a momentum index? Earnings growth vs multiple expansion responsible for market gains in 2025 Yardeni Research projects gold to hit $6000 in 2026 and $10,000 by 2030 Does the national deficit matter? Energy commodities vs metals Truck Tonnage Index decouples with the S&P 500 Index performance TIPS bonds may not help you during inflationary periods due to duration interest rate risk   Mentioned in this Episode   Derek Moore's book Broken Pie Chart https://amzn.to/3S8ADNT   Jay Pestrichelli's book Buy and Hedge https://amzn.to/3jQYgMt   Derek's book on public speaking Effortless Public Speaking https://amzn.to/3hL1Mag   Contact Derek derek.moore@zegainvestments.com       

Je další konec roku. V podcastu Kecy a politika je to už třetí rok po sobě spojeno s vyhlašováním nominací na politický bizár. Pečlivě jsme shromažďovali výroky, činy a uřeknutí českých politiků a všechno seřadili do 11 nominací. O vítězích rozhodnete vy sami svým hlasováním na www.kecyapolitika.cz.Nabízíme vám více než třicet politických počinů, které by člověk na jednu stranu raději vytlačil z mysli. Na druhou stranu je před Silvestrem, takže proč bychom se netěšili… Tento podcast bude takový malý nominační večer. Navrhneme a okomentujeme jednotlivé počiny a vy si s tím už na naší webové stránce dělejte, co chcete.Doufáme, že vás to pobaví. Je to hra, ale jako většina her i tato by měla mít své vítěze. Sami jsme zvědaví na to, koho, co a proč si vyberete. A když se nebudete moci rozhodnout, vezměte si k ruce siderické kyvadélko. Stejně jeho ovládání bude dříve nebo později zavedeno do škol. Nebo o tom alespoň takhle mluvil Petr Cibulka.Hodně štěstí v novém roce.

I had an opportunity to witness something really beautiful with one of my 3rd-grade girls during PE. I wanted the class to move freely with some music while I played my bucket drums for a dynamic warm-up. It's worth telling the story--maybe it will inspire you too? Enjoy.Photo: "RJ @ Huntington Beach Sunset"

„Nemožno sa ubrániť túžbe, ktorú vám v očiach vyčarujú bublinky perliace sa v pohári a štekliace chute na podnebí. Je to totiž ušľachtilé, tekuté zlato s čarovnou žiarou...“ takýto opis sa v roku 1907 objavil v dobovej tlači, aby priblížil výsledok už vtedy dlhovekej a solídnej tradície, tradície výroby šumivého vína v Bratislave - známeho pod značkou Hubert. Jeho originalitu ocenil aj sám cisár František Jozef, keď po ochutnaní vraj zvolal „Dieser Champagner ist vorzüglich!“, teda „Toto šampanské je vynikajúce“. A práve tento šumivý unikát oslavuje svoje dve storočia. Jeho história sa začala písať v roku 1825, keď sa dvojica dvoch bratislavských mešťanov Johann Fischer a dr. Michal Schönbauer odvážne pustili do výroby šumivých vín, prvej v Európe mimo vlastného Francúzska, ktoré je považované za kolísku šampanského. Dnešným slovníkom by sme ich priekopnícky podnik nazvali úspešným startupovým príbehom, veď napokon už v 30. rokoch sa ich vína pod označením Fischer-Schönbauer ocitali na stoloch najváženejších rodín nielen v starom Prešporku, ale aj vo Viedni a v Pešti. Ešte väčšmi sa pod tento podnikateľský úspech podpísalo meno Pavlíny Hubertovej a jej syna Henrika Huberta, ktorí bratislavský klenot doviedli azda k najväčšej sláve, korunovanej celým radom prestížnych ocenení. Aj napriek turbulenciám, ktoré prinieslo do histórie tejto firmy dramatické 20. storočie, tradícia, chvalabohu, pretrvala a bez Huberta si hádam ani nevieme predstaviť silvestrovské oslavy či dôležité životné jubileá. Skrátka, s bublinkami radi spojíme i našu radosť a náš úspech. O dvestoročnej histórií šumivého vína na Slovensku sa rozprávame s historikom Štefan Hrivňákom. – Ak máte pre nás spätnú väzbu, odkaz alebo nápad, napíšte nám na ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠jaroslav.valent@petitpress.sk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ – Všetky podcasty denníka SME nájdete na ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠sme.sk/podcasty⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠See omnystudio.com/listener for privacy information.

Čo všetko by ste boli ochotní urobiť pre svoje dieťa? Poskladať basketbalovú reprezentáciu na paraolympiádu z úplne zdravých hráčov a klamať o tom celému okoliu? Možno. Presne to totiž urobil otec pre svojho mentálne znevýhodneného syna v úplne novom československom filme Dream Team. Jeho cieľom je ukázať, čoho všetkého sú rodičia schopní, keď chcú svojmu dieťaťu splniť sen. Exotickú náladu z Brazílie, dojemné hranice rodičovstva a nekonečný humor prinesie tento film na plátna už v januári. Viac o ňom povedala producentka a herečka Peťa Polnišová a režisér Jonáš Karásek.

În acest episod stau de vorbă cu Andrei Roșu, sportiv de anduranță și antreprenor, fondator Filgud. Discutăm despre drumul lui de la un job stabil și o viață confortabilă la sporturi extreme și, mai departe, la construirea unui business care pornește din disciplină și consecvență.Vorbim despre ce înseamnă să treci de la intenție la acțiune, cum se formează obiceiuri care rezistă în timp și ce legătură există între sportul de anduranță și antreprenoriat. Pe final, Andrei ne povestește despre cartea sa și motivele pentru care a ales să o scrie acum.Iată despre ce am discutat:00:00:00 Intro00:02:30 Despre Andrei Roșu00:05:06 Viața comodă pe canapea00:07:32 Declicul schimbării personale00:08:17 Paternitatea ca oglindă00:11:30 Emailul neașteptat00:12:29 Obiceiuri care trag în jos00:14:13 Lecții din Canalul Mânecii00:16:57 Întrebarea care te scoate din blocaj00:17:21 Nașterea brandului Filgud00:20:19 Ideea devenită produs00:23:31 Creștere construită pe termen lung00:26:11 Relația cu scrisul00:32:57 Mesaj ascultătoriProgramul Marțea Mastercard, care se desfășoară în perioada asta și oferă posibilitatea de a primi cashback atunci când plătiți online într-o zi de marți – funcționează simplu: dacă folosiți un card Mastercard și îl înscrieți pe priceless.com/marti, primiți 10% cashback la prima plată online din campanie.Descoperă detalii și insight-uri din discuțiile noastre, cărțile menționate și detalii despre invitați pe florinrosoga.ro. Aici te poți înscrie la un newsletter lunar pentru a afla noile episoade.Iar dacă îți place să asculți aceste podcasturi, acordă-ne două minute și scrie o recenzie pe Spotify sau Apple Podcasts. Este un gest simplu care ne sprijină enorm să abordăm subiecte interesante și alți invitați pe gustul tău.

1 Pe 5:7; Act 10:38; Rom 5:5; Luk 10:25; Mat 25:31-40; Mat 10:41; Psa 8:4: Heb 13:2Become a supporter of this podcast: https://www.spreaker.com/podcast/what-jesus-says--4116133/support.

Ben Lindbergh talks to two pitchers who topped out at Triple-A in 2025, which was a demotion for one and a promotion for the other. First, he brings back Rangers pitcher Declan Cronin, the only major leaguer alum of Ben’s high school, to discuss a setback of a season that included a mysterious hip injury, compromised mechanics, diminished stuff, a cutthroat release and, finally, Tommy John surgery. Along the way, they cover the urge to play through injuries, joining the Rangers after being unceremoniously jettisoned by the Marlins, what tearing a UCL feels like, the incentives that lead to elbow problems, Declan’s plan to bounce back from a challenging year, MLB-NWSL romances, and competing with other players for wedding dates. Then (1:05:45), Ben talks to White Sox pitcher/sportswriter Duncan Davitt about becoming a journalist on the side, being on both ends of interviews, being blacked out of baseball broadcasts, the plight and importance of local media, his deceptive delivery, being traded and making a 40-man for the first time, what he has to do to earn a call-up, whether pitchers wear protective cups, and much more. Audio intro: Ian Phillips, “Effectively Wild Theme” Audio outro: Jonathan Crymes, “Effectively Wild Theme 2” Link to “TK” journalism term Link to MLBTR on Soderstrom Link to Regis High School wiki Link to Declan’s first pod appearance Link to Declan’s second pod appearance Link to article about baseball weddings Link to Declan t-shirt Link to MLBTR on Declan’s TJ Link to list of TJ surgeries Link to cascade injury article Link to MLBTR on Declan’s deal Link to team RP WPA Link to team RP WAR Link to staff page at Tread Link to Tyler Zombro wiki Link to Paige Monaghan wiki Link to Paige’s wedding post Link to Dansby/Mallory article Link to Peña/Grosso engagement Link to Duncan strikeout reel Link to Register feature on Duncan Link to Sox Machine feature on Duncan Link to Duncan’s wedding post Link to Rays prospect ranking Link to traded prospects ranking Link to minor league IP leaders Link to Ben on deception Link to Indianola IA website Link to Indianola wiki Link to J.D. Scholten appearance Link to Indianola IA sports page Link to Duncan’s boys’ basketball article Link to Duncan’s girls’ basketball article Link to Duncan on the offseason Link to Duncan on the trade Link to Duncan on the 40-man Link to Duncan on Triple-A Link to Duncan on big league belief Link to Laurila’s notes column Link to Ben on the gap in 2025 Link to Ben on the gap in 2015 Link to Davenport on the gap Link to MLB.com on Abbott Elementary Link to Schwarber’s 4-HR game Link to MLB survey question Sponsor Us on Patreon Give a Gift Subscription Email Us: podcast@fangraphs.com Effectively Wild Subreddit Effectively Wild Wiki Apple Podcasts Feed Spotify Feed YouTube Playlist Facebook Group Bluesky Account Twitter Account Get Our Merch! var SERVER_DATA = Object.assign(SERVER_DATA || {}); Source

Licensure exams are hard, but here's what you didn't know — the technical content isn't the biggest challenge civil engineers say they face when they go up against them!

¡¡NUEVO PODCAST!!Frank Favela y  Héctor Vargas. Periodistas de Espectáculos…“Lo Mejor del 2025”      Cartelera Cinematográfica. José Antonio Valdés Peña.  Viviana Basanta Hernández. Directora Artística del Ballet Folklórico  de Amalia Hernández… “Navidades en  México”   Dr. Guillermo Amaro Rangel…  ¿Alegría o Soledad?   

14. Shifts in Latin America: Brazilian Elections and Venezuelan Hope. Ernesto Araujo and Alejandro Peña Esclusapredict a 2026 battle between socialist accommodation and freedom-oriented transformation in Brazil, highlighted by Flavio Bolsonaro's candidacy against Lula. Meanwhile, Peña Esclusa anticipates Venezuela's liberation and a broader regional shift toward the right following leftist defeats in Ecuador, Argentina,1910 NATIONAL LIBRARY OF BRAZIL

SHOW 12-22-25 THE SHOW BEGINS WITH DOUBTS ABOUT FUTURE NAVY. 1941 HICKAM FIELD 1. Restoring Naval Autonomy: Arguments for Separating the Navy from DoD. Tom Modly argues the Navy is an "underperforming asset" within the Defense Department's corporate structure, similar to how Fiat Chrysler successfully spun off Ferrari. He suggests the Navy needs independence to address critical shipbuilding deficits and better protect global commerce and vulnerable undersea cables from adversaries. 2. Future Fleets: Decentralizing Firepower to Counter Chinese Growth. Tom Modly warns that China's shipbuilding capacity vastly outpaces the US, requiring a shift toward distributed forces rather than expensive, concentrated platforms. He advocates for a reinvigorated, independent Department of the Navy to foster the creativity needed to address asymmetric threats like Houthi attacks on high-value assets. 3. British Weakness: The Failure to Challenge Beijing Over Jimmy Lai. Mark Simon predicts Prime Minister Starmer will fail to secure Jimmy Lai's release because the UK mistakenly views China as an economic savior. He notes the UK's diminished military and economic leverage leads to a submissive diplomatic stance, despite China'sdeclining ability to offer investment. 4. Enforcing Sanctions: Interdicting the Shadow Fleet to Squeeze China. Victoria Coates details the Trump administration's enforcement of a "Monroe Doctrine" corollary, using naval power to seize tankers carrying Venezuelan oil to China. This strategy exposes China's lack of maritime projection and energy vulnerability, as Beijingcannot legally contest the seizures of illicit shadow fleet vessels. 5. Symbolic Strikes: US and Jordan Target Resurgent ISIS in Syria. Following an attack on US personnel, the US and Jordan conducted airstrikes against ISIS strongholds, likely with Syrian regime consultation. Ahmed Sharawi questions the efficacy of striking desert warehouses when ISIS cells have moved into urban areas, suggesting the strikes were primarily symbolic domestic messaging. 6. Failure to Disarm: Hezbollah's Persistence and UNIFIL's Inefficacy. David Daoud reports that the Lebanesegovernment is failing to disarm Hezbollah south of the Litani River, merely evicting them from abandoned sites. He argues UNIFIL is an ineffective tripwire, as Hezbollah continues to rebuild infrastructure and receive funding right under international observers' noses. 7. Global Jihad: The Distinct Threats of the Brotherhood and ISIS. Edmund Fitton-Brown contrasts the Muslim Brotherhood's long-term infiltration of Western institutions with ISIS's violent, reckless approach. He warns that ISISremains viable, with recent facilitated attacks in Australia indicating a resurgence in capability beyond simple "inspired" violence. 8. The Forever War: Jihadist Patience vs. American Cycles. Bill Roggio argues the US has failed to defeat jihadist ideology or funding, allowing groups like Al-Qaeda to persist in Afghanistan and Africa. He warns that adversaries view American withdrawals as proof of untrustworthiness, exploiting the US tendency to fight short-term wars against enemies planning for decades. 9. The Professional: Von Steuben's Transformation of the Continental Army. Richard Bell introduces Baron von Steuben as a desperate, unemployed Prussian officer who professionalized the ragtag Continental Army at Valley Forge. Washington's hiring of foreign experts like Steuben demonstrated a strategic willingness to utilize global talent to ensure the revolution's survival. 10. Privateers and Prison Ships: The Unsung Cost of Maritime Independence. Richard Bell highlights the crucial role of privateers like William Russell, who raided British shipping when the Continental Navy was weak. Captured privateers faced horrific conditions in British "black hole" facilities like Mill Prison and the deadly prison ship Jersey in New York Harbor, where mortality rates reached 50%. 11. Caught in the Crossfire: Indigenous Struggles in the Revolutionary War. Molly Brant, a Mohawk leader, allied with the British to stop settler encroachment but became a refugee when the British failed to protect Indigenous lands. Post-war, white Americans constructed myths portraying themselves as blameless victims while ignoring their own Indigenous allies and British betrayals regarding land rights. 12. The Irish Dimension: Revolutionary Hopes and Brutal Repression. The Irish viewed the American Revolutionas a signal that the British Empire was vulnerable, sparking the failed 1798 Irish rebellion. While the British suppressed Irish independence brutally under Cornwallis, Irish immigrants and Scots-Irish settlers like Andrew Jackson fervently supported the Continental Army against the Crown. 13. Assessing Battlefield Realities: Russian Deceit and Ukrainian Counterattacks. John Hardie analyzes the "culture of deceit" within the Russian military, exemplified by false claims of capturing Kupyansk while Ukraine actually counterattacked. This systemic lying leads to overconfidence in Putin's strategy, though Ukraine also faces challenges with commanders hesitating to report lost positions to avoid forced counterattacks. 14. Shifts in Latin America: Brazilian Elections and Venezuelan Hope. Ernesto Araujo and Alejandro Peña Esclusapredict a 2026 battle between socialist accommodation and freedom-oriented transformation in Brazil, highlighted by Flavio Bolsonaro's candidacy against Lula. Meanwhile, Peña Esclusa anticipates Venezuela's liberation and a broader regional shift toward the right following leftist defeats in Ecuador, Argentina, and Chile. 15. Trump's Security Strategy: Homeland Defense Lacks Global Clarity. John Yoo praises the strategy's focus on homeland defense and the Western Hemisphere, reviving a corollary to the Monroe Doctrine. However, he criticizes the failure to explicitly name China as an adversary or define clear goals for defending allies in Asia and Europe against great power rivals. 16. Alienating Allies: The Strategic Cost of Attacking European Partners. John Yoo argues that imposing tariffs and attacking democratic European allies undermines the coalition needed to counter China and Russia. He asserts that democracies are the most reliable partners for protecting American security and values, making cooperation essential despite resource constraints and political disagreements.

* Mueren cinco al caer avión de la Marina en Texas* Culpan a Peña Nieto de consentir a la FIFA para traer el Mundial* Estados Unidos intercepta dos buques más con petróleo venezolano

In this episode Robin Fjellner & Dean Barker talk about pedagogical models in PE along with Dr. Lars Bjørke who is an associate professor at University of Inland Norway. They start by mentioning how they got to know models and then go into different aspects such as how models may be used and what models become relevant from a didaktik perspective.A truly Scandinavian analysis of models!

Send us a text if you want to be on the Podcast & explain why!Say hello to Tilo at coach.tiloWhat if your most valuable product isn't another hour-long session, but a community that people can't wait to join? Today we sit down with a former PE teacher who turned a neighbor's question into a thriving training business, then pushed beyond the ceiling of in-person hours to build scalable income without sacrificing family time. From the first $90 session to confidently charging premium rates in an affluent market, we get into the real math: exact client counts, monthly revenue targets, and the systems that make sessions repeatable, effective, and worth every dollar.We dig into pricing strategy the way clients actually experience it—clear value, annual increases, retainers that stabilize cash flow, and the honest post-mortem when someone says no. We challenge the myth of overnight online riches and offer a grounded path: LinkedIn for lead gen, Trainerize for delivery, and coaching that sells outcomes, not app access. The heart of the episode is the Parlay Club, a clever blend of step goals, workouts, and point-doubling sports picks that turns accountability into a game. It's sticky, social, and scalable—especially once it moves to a searchable Facebook group, adds tiers, rewards referrals, and features guest experts to deepen engagement.Parent-trainers will feel seen. We talk about seasons of ambition, designing a perfect week before you sell it, and using the 11–2 midday window to build leverage instead of filling it with low-yield sessions. For coaches working with youth athletes, we map a route to clinics, partnerships, and grant-funded programs, and explain how a credential like the CSCS opens doors with athletic directors. The throughline is focus: avoid the octopus problem of too many projects and choose one lane to push hard for a defined period, supported by precise KPIs and a community that keeps you honest.If you're ready to raise your rates, protect your time, and build something that grows while you're with your kids, this conversation hands you a playbook you can start using today. Subscribe, share this with a trainer who needs it, and leave a review with your biggest goal for the next 90 days—we'll shout out our favorites on the show.Want to become a SUCCESSFUL personal trainer? SUF-CPT is the FASTEST growing personal training certification in the world! Want to ask us a question? Email info@showupfitness.com with the subject line PODCAST QUESTION to get your question answered live on the show! Website: https://www.showupfitness.com/Become a Successful Personal Trainer Book Vol. 2 (Amazon): https://a.co/d/1aoRnqANASM / ACE / ISSA study guide: https://www.showupfitness.com

Andy Cohen, Vice President of Corporate Development at F5 Andy has built a career that proves M&A is fundamentally about relationships, not just transactions. With 30 years of experience and 60 deals closed across high-growth tech companies including Citrix, Acquia, and F5, Andy has cultivated the kind of reputation where every CEO he's worked with will take his call tomorrow. In this conversation, he reveals why zero-sum thinking kills deals, how to convince people to sell without convincing them to sell, and why walking away on principle matters more than closing at any cost.  Things you will learn:  Why reputation is your most valuable M&A asset The shift from zero-sum to win-enough thinking Learn Andy's approach to using due diligence as the foundation for integration strategy, cultural fit assessment, and long-term value creation.  _____________

Send us a text if you want to be on the Podcast & explain why!Ever feel the ground shift under a job you once loved? We sit down with a K–12 principal who built his identity around coaching kids, weathered the Paradise fire, and still found his purpose dissolving under politics, ego, and endless pushback. What follows is a candid look at walking away from a steady six-figure paycheck to pursue fitness, craft, and a life that feels honest again.We trace the throughline from early days lifting in Chico to leading schools where every decision meets resistance, and then to the spark of a new path: training, education reform from the outside, and programs that make movement central to learning. We talk openly about comfort as a trap, the fear of starting at zero, and the mindset shift that turns practice into momentum. If you're wrestling with a pivot, you'll hear a practical playbook: shadow great coaches, study daily, build a routine that stacks mobility, lifting, and focused learning, and have one meaningful industry conversation every day. It's career capital by design, not hope.There's a strong case for bridging education and fitness. PE gets sidelined, yet aerobic work boosts BDNF, sharpens attention, and primes the brain for class. With the right partnerships, schools can implement zero-period training, teacher wellness, and skill-based PE that kids actually believe in. This isn't about quick wins; it's about craft, clarity, and owning your trajectory. If you're choosing between safe and alive, this conversation will nudge you toward the path that compounds.If this resonates, follow the show, share it with someone stuck in a comfort loop, and leave a review with the bold move you're planning next. Keep showing up.Want to become a SUCCESSFUL personal trainer? SUF-CPT is the FASTEST growing personal training certification in the world! Want to ask us a question? Email info@showupfitness.com with the subject line PODCAST QUESTION to get your question answered live on the show! Website: https://www.showupfitness.com/Become a Successful Personal Trainer Book Vol. 2 (Amazon): https://a.co/d/1aoRnqANASM / ACE / ISSA study guide: https://www.showupfitness.com

Private equity is reshaping auto PI, driving case costs up and crowding every channel with firms spending millions each month. Jon Walner has lived through TV's rise, a full rebrand from his father's household-name firm, and now a market where acquiring a case costs more than ever. In this episode, he breaks down what he's seeing today — the PE squeeze, the real math behind auto, rebuilding intake to stay fast and calm, and why adding comp, probate, and matrimonial can create steadier cash flow when PI margins tighten. You'll learn: How private equity is changing auto PI economics, and why it's costing more to get these cases even as volume looks strong. Rebranding from a household-name TV firm to Walner Law: new name, number, colors, 100+ billboards, and the real risk of starting over. Building a low-stress intake floor that protects focus, speeds up sign-ups, and turns more calls into contracts. Expanding into comp, probate, and matrimonial to monetize existing demand and stabilize cash flow. If you like what you hear, hit subscribe. We do this every week. Get Social! Personal Injury Mastermind (PIM) powered by Rankings.io is on Instagram | YouTube | TikTok