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Special episode and the lessons we can learn from the recent Modere Closing and the future of network marketing.Episode OverviewIn this episode, I dive deep into the recent shocking news of Modere shutdown without any prior notice, leaving thousands of distributors and the entire network marketing community shocked.I share not only the implications of the Modere shutdown but also the essential lessons that network marketers must learn to protect their futures and build resilient businesses.Modere: What Exactly Happened?On Friday, April 11th, 2025, Modere closed without any warning or notification.I was hanging out with my mom who was visiting from NYC when my friend Ian Farrar text me about it.I felt “sick to my stomach,” knowing friends and colleagues who had built significant incomes were suddenly left with no commissions and no clear path forward.Notable leaders like Justin Prince, Marina Simone, and others had previously left, signaling underlying issues.Still, the abrupt closure was entirely unexpectedly, making what happened to Modere even more devastating.Immediate Impact on Leaders and DistributorsI highlighted the stark reality faced by many top earners and everyday distributors in Modere:Incomes ranging from $1,000 per month to $100,000 per month vanished overnight.Unlike previous cases (such as Beachbody or Rodan + Fields shifting models), Modere provided no transition, leaving no “Plan B”.Final product orders were delivered, but beyond fulfilling refunds, everything else ceased abruptly.Is Network Marketing Still Worth It After Modere Shutdown?I addressed this question…Is residual income still viable in network marketing?I emphasize that:Any industry carries risk. Even large corporations like Kodak have vanished over time.I personally still earn network marketing residual incomefrom a business I built over two decades ago, proving that stability can exist but requires both skill and luck.I underscore that Modere's closing doesn't represent the entire industry—many companies continue to thrive.Lessons Learned From Modere1. Entrepreneurship Involves RiskEntrepreneurship, including network marketing, involves ups and downs. Companies may close, and markets fluctuate. I reassure listeners that risk is universal, not exclusive to network marketing.2. Network Marketing Residual Income Requires Smart ChoicesNetwork marketing residual income exists but requires choosing stable companies and products with lasting demand.I share insights from my own success, acknowledging the element of luck but also highlighting the importance of market research and strategic planning.3. Personal Development and GrowthThe true benefit of network marketing isn't solely financial but personal.I share my journey from being a shy, quiet Asian kid from Brooklyn, New York, to someone confidently impacting thousands through speaking and coaching.I describe network marketing as a “personal development university with a pay plan.”Why Personal Branding Yourself is EssentialI stress that the Modere shutdown underscores the critical importance of personal branding:Individuals overly associated with a single company risk losing their identity if the company fails.Leaders who built strong personal brands (such as Tony and Sarah Zolecki, John and Nadia Melton, Michelle Barnes) transitioned smoothly to new ventures due to their personal following.Building your personal brand through consistent value-driven content ensures your community follows you beyond any single company's fate.Characteristics of Network Marketing Companies That LastI draw from my 22 years of industry experience to highlight characteristics common to enduring network marketing companies:Avoiding Hype: Companies built on solid, valuable products rather than short-lived excitement tend to last.Steady Growth Over Rapid Expansion: Companies that grow steadily rather than explosively typically sustain longer.International Expansion: Successful, long-lasting companies eventually expand internationally, maintaining a fresh influx of ambitious leaders.Homegrown Leadership Development: Companies that develop new leaders internally, rather than recruiting high-profile leaders from other companies, achieve lasting growth and resilience.Protecting Your Future After Modere ClosingFocus on Core Business ActivitiesI advise listeners to concentrate on income-producing activities and avoid excessive distractions such as overly focusing on industry news or social media scrolling.Implementation Over InformationThe Modere closing illustrates the importance of action.Instead of just consuming information about industry events, I emphasize the need for practical implementation:Improve customer service and community-building.Offer intangible value (personal support, accountability, recognition) that competitors like Amazon can't replicate.Reinforce your unique value to customers to prevent loss to cheaper alternatives.The Importance of Investing and DiversifyingIn business there's always uncertainty. I emphasize financial responsibility:Invest network marketing income into diverse assets (stocks, real estate, health, family time).Diversify your financial portfolio to buffer against unexpected industry downturns.Why I Still Recommend Network MarketingDespite the Modere closing, I firmly believe in network marketing's value:Provides unmatched business education (selling, marketing, time management).Skills gained are highly transferable, beneficial for careers and businesses beyond network marketing.I passionately recommend network marketing to my children for these invaluable life and business skills.Final Thoughts: Resilience and GrowthI offer powerful encouragement for those affected by Modere's closure:Leaders who built successful businesses can rebuild and often become stronger through adversity.Challenging times amplify personal and leadership growth, setting up future success.Network marketing residual income remains possible but requires adaptability, personal branding, and strategic financial management.Implementation always beats information alone. Take action today, and go positively impact someone's life.
We've curated a special 10-minute version of the podcast for those in a hurry. Here you can listen to the full episode: With all the technology available, why do artists still need record labels? Join Nicolai Tangen in conversation with Robert Kyncl, CEO of Warner Music Group, as they explore the transformation of music business. They discuss Kyncl's journey from Czechoslovakia to leading Netflix, YouTube, and now Warner Music, the streaming revolution, and how record labels discover and develop artists today. Kyncl shares insights on balancing creative and business priorities, the impact of AI on music, the value of iconic catalogs, and the future of live performances. He also reveals personal leadership lessons and his approach to driving innovation in an industry constantly disrupted by technology. Tune in!In Good Company is hosted by Nicolai Tangen, CEO of Norges Bank Investment Management. New full episodes every Wednesday, and don't miss our Highlight episodes every Friday.The production team for this episode includes Isabelle Karlsson and PLAN-B's Niklas Figenschau Johansen, Sebastian Langvik-Hansen and Pål Huuse. Background research was conducted by Isabelle Karlsson.Watch the episode on YouTube: Norges Bank Investment Management - YouTubeWant to learn more about the fund? The fund | Norges Bank Investment Management (nbim.no)Follow Nicolai Tangen on LinkedIn: Nicolai Tangen | LinkedInFollow NBIM on LinkedIn: Norges Bank Investment Management: Administrator for bedriftsside | LinkedInFollow NBIM on Instagram: Explore Norges Bank Investment Management on Instagram Hosted on Acast. See acast.com/privacy for more information.
Apple empieza a usar datos reales en los dispositivos para mejorar su IA sin romper su promesa de privacidad. Un giro técnico y cultural que marca su entrada, por fin, en la carrera real por la IA.Contacta con el autor:X: @jlacortBluesky: @lacortMail: lacort@xataka.comLoop Infinito es un podcast de Applesfera sobre Apple y su ecosistema, publicado de lunes a viernes a las 7.00 h (hora española peninsular). Presentado por Javier Lacort. Editado por Alberto de la Torre.
This week, Edward Chechique joins me to discuss rethinking design careers, ditching outdated career advice, and learning how to survive (and thrive) in 2025's chaotic job market. We talk layoffs, AI, content creation, side hustles, and redefining what it means to be a UX pro today.What if your job title doesn't define your career? What if your "career" wasn't the point at all?We were told that if we worked hard, got good at UX, and built a solid portfolio, we'd be fine. But in 2025, none of that seems to be working. In this episode, I sit down with Edward Chechique to talk about what happens when the traditional path to career success just… stops working.Edward has been laid off, ghosted, and judged by hiring managers who didn't get it. So he stopped waiting. He built his own path—from writing and content creation to launching products and teaching others how to use AI to work smarter. This isn't a fairytale story about becoming a millionaire. It's about regaining your agency and deciding what you want from your career.If you're tired of trying to fit into boxes that never seemed to fit quite right, this episode is your permission slip to stop waiting for the industry to come save you—and start building a version of success that actually works for you.Topics:• 02:46 - Redefining Careers in Design• 03:17 - Interview with Edward Chechique• 04:59 - Edward's Journey in Design• 09:10 - Navigating the Job Market• 13:32 - Adapting and Diversifying Skills• 16:24 - Entrepreneurial Mindset and Self-Employment• 27:10 - Challenges and Realities of Self-Employment• 30:38 - Entrepreneurial Upbringing vs. Traditional Employment• 31:55 - Navigating Financial Uncertainty• 33:33 - Saving Strategies and Lifestyle Choices• 38:49 - Cultural Shifts and Economic Impact• 41:42 - Closing ThoughtsHelpful Links:• Connect with Edward on LinkedIn• Watch Edward on YouTube• Follow Edward on Medium---Thanks for listening! We hope you dug today's episode. If you liked what you heard, be sure to like and subscribe wherever you listen to podcasts! And if you really enjoyed today's episode, why don't you leave a five-star review? Or tell some friends! It will help us out a ton.If you haven't already, sign up for our email list. We won't spam you. Pinky swear.---Support our sponsors!Ok web designers. Let's talk about the “c” word—creative burnout.You're working on a site for a really big client, but between resourcing, feedback, tight budgets and even tighter deadlines—it doesn't make the cut. Wix Studio helps close that gap, so you can deliver your vision with less friction. Built for agencies and enterprises, you get total creative control over every last pixel. With no-code animations, AI-powered tools, reusable design assets, advanced, intuitive layout tools and a Figma to Wix Studio integration, you can design the way you want to and deliver when you need to.And if you're worried about the learning curve eating into time you don't have—don't be. Wix Studio is intuitive by design, so your entire team can hit the ground running.For your next project, check out wixstudio.com
Rebecca Davis joins Dan Corder to reflect on just how strange the news can be. From the most important to the very strange, John and Rebecca offer their view of what is happening in our world that makes it at times infuriating, at times inspirational but always fascinating. See omnystudio.com/listener for privacy information.
A passport is crucial to your freedom and global mobility, but what if your citizenship could be a liability? I recently read an interesting article on IMI Daily called “13 Ways Your Passport Could Ruin Your Life.” While I agree with many of the author's points, I believe most of the real-world risks are misunderstood—and far more manageable—than people realize. In today's episode, I expand on each of the 13 points, breaking them down one by one through the lens of my two decades of real-world offshore experience. I cover the good, the bad, and the misunderstood—and I'll show you exactly how to easily avoid any potential pitfalls while building a solid offshore Plan-B. Enjoy today's episode! IN TODAY'S EPISODE: Listen in as I explain why U.S. citizenship is one of the most dangerous liabilities in the offshore world Learn the truth about mandatory military conscription—and why it's almost never a real threat for expats Tune in to find out how to avoid passport profiling at borders and why more citizenships = more freedom Hear me debunk some common myths about citizenship-based taxation and learn about the only two countries in the world that practice it. Discover the surprising truth about dual citizenship bans—and why they rarely limit serious expats Find out why the fearmongering around “exit bans” is mostly nonsense—and what really matters when choosing a second passport STAY IN TOUCH! Stay in touch and keep up to date on the latest news affecting expats, as well as maintain a steady stream of my opinions, travel stories, and more by subscribing to our newsletter. Not only will you receive the EMS Pulse newsletter and the weekly Expat Sunday Times, but sign up now, and you'll also receive my FREE special report, “Plan B Residencies and Instant Citizenships.” RELATED EPISODES 341: AI, Inflation & Economic Collapse: The Future Of Money – Thorsten Wittmann 335: Canada: How Socialism Is Destroying The Great White North – Shaun Newman 332: A Red-Pilled New Year'sMentioned in this episode:Join Me In Panama For Our Next TourI have great news. After many meetings and explanations, the Panamanian government has agreed to keep the Investors Visa at a $300k Real Estate investment instead of nearly doubling the amount required, as they said they would. This is a massive win for our community who wants to move to or invest in Panama, but I am not sure how long this will last… If...
With all the technology available, why do artists still need record labels? Join Nicolai Tangen in conversation with Robert Kyncl, CEO of Warner Music Group, as they explore the transformation of music business. They discuss Kyncl's journey from Czechoslovakia to leading Netflix, YouTube, and now Warner Music, the streaming revolution, and how record labels discover and develop artists today. Kyncl shares insights on balancing creative and business priorities, the impact of AI on music, the value of iconic catalogs, and the future of live performances. He also reveals personal leadership lessons and his approach to driving innovation in an industry constantly disrupted by technology. Tune in!In Good Company is hosted by Nicolai Tangen, CEO of Norges Bank Investment Management. New full episodes every Wednesday, and don't miss our Highlight episodes every Friday.The production team for this episode includes Isabelle Karlsson and PLAN-B's Niklas Figenschau Johansen, Sebastian Langvik-Hansen and Pål Huuse. Background research was conducted by Isabelle Karlsson.Watch the episode on YouTube: Norges Bank Investment Management - YouTubeWant to learn more about the fund? The fund | Norges Bank Investment Management (nbim.no)Follow Nicolai Tangen on LinkedIn: Nicolai Tangen | LinkedInFollow NBIM on LinkedIn: Norges Bank Investment Management: Administrator for bedriftsside | LinkedInFollow NBIM on Instagram: Explore Norges Bank Investment Management on Instagram Hosted on Acast. See acast.com/privacy for more information.
We keep the tape rolling as a pre-show conversation about New York State Public School lunch bleeds into the intro of the pod (2:25). Shortly after, we get to business shouting out Missy Elliott and Meg Thee Stallion for putting on a show at Coachella, while Chris Brown and Karrueche had a mini reunion (18:23). Mal feels vindicated by the results of our Twitter poll (41:32), we respond to IG comments about our Mixtape Mount Rushmore debate (43:38), and then build our own White Rapper Mount Rushmore (47:35). Keri Hilson, Ja Rule and 50 Cent, and the St Lunatics rehashed feuds that had us feeling like we were back in the mid 2000's (59:45). Plus, Rory and Mal give travel advice to a recently single listener (1:26:27), and Demaris and Mal argue over who would have (or not have) custody over their hypothetical IVF child (1:36:50). See omnystudio.com/listener for privacy information.
Melissa Darnay has been living her dream life in Panama since 2012 as the CEO of Choose Panama, a luxury real estate and rental agency based in Panama City. Melissa specializes in helping clients find the perfect investment properties that align with their personal dreams and financial goals. Her unique approach sets her apart from other real estate professionals—she guides clients from their first inquiry through every stage of settling into Panama, offering support long after the transaction is complete.
Aujourd'hui dans "Punchline", Laurence Ferrari et ses invités débattent du futur électoral du Rassemblement National à l'horizon 2027.Distribué par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.
April 5, 2025Strength to Strength welcomed Jennifer Miller to discuss how singleness can be a blessing.Sometimes we get the message that a woman most truly fulfills her purpose as a woman when she is in the role of wife and mother. A more robust understanding of God's purpose for marriage, however, reveals that both singleness and marriage are intended to showcase God's plan for His relationship with His people. Rather than being a second-rate position or a Plan B that I just need to make the best of, singleness allows believers to fill a vital role in the kingdom of God.This talk aims to empower both single and married women to embrace the role they are currently in and to encourage each other to do the same.An interactive question-and-answer period follows.https://strengthtostrength.org/gods-purposes-for-singleness/
The Almost Tragic Tale Of Ariel Koenig Broken Down With Ret FBI Behavior Expert Robin Dreeke What makes a respected anesthesiologist allegedly turn a scenic Hawaiian hike into an attempted murder scene? Gerhard Canig, a man known for precision and calm under pressure, is now under scrutiny after allegedly trying to kill his wife, Ariel, by pushing her off a cliff—and possibly backing that plan up with some mysteriously packed syringes. FBI behavioral expert Robin Dreeke joins to dissect the mind behind this bizarre and chilling alleged crime. Was it a spur-of-the-moment snap or a calculated act by someone who thought syringes made for a solid Plan B? The conversation dives into Gerhard's alleged methodical planning, the disturbing assumptions he may have made about his wife's will to live, and just how unsterile the real world can be compared to an operating room. With talk of hidden relationships, potential life insurance motives, and the psychology of a “broken brain moron” (yep, we said it), this case unfolds with layers of sinister intent—and quite a few possible digital breadcrumbs left behind. Is this a case of a man who cracked under pressure, or is there something—or someone—else behind his motive? #TrueCrimeToday #HiddenKillers #ArielCanig #GerhardCanig #AllegedAttemptedMurder #CriminalPsychology #RobinDreeke Want to listen to ALL of our podcasts AD-FREE? Subscribe through APPLE PODCASTS, and try it for three days free: https://tinyurl.com/ycw626tj Follow Our Other Cases: https://www.truecrimetodaypod.com The latest on The Downfall of Diddy, The Trial of Karen Read, The Murder Of Maddie Soto, Catching the Long Island Serial Killer, Awaiting Admission: BTK's Unconfessed Crimes, Delphi Murders: Inside the Crime, Chad & Lori Daybell, The Murder of Ana Walshe, Alex Murdaugh, Bryan Kohberger, Lucy Letby, Kouri Richins, Malevolent Mormon Mommys, The Menendez Brothers: Quest For Justice, The Murder of Stephen Smith, The Murder of Madeline Kingsbury, The Murder Of Sandra Birchmore, and much more! Listen at https://www.truecrimetodaypod.com
Hidden Killers With Tony Brueski | True Crime News & Commentary
The Almost Tragic Tale Of Ariel Koenig Broken Down With Ret FBI Behavior Expert Robin Dreeke What makes a respected anesthesiologist allegedly turn a scenic Hawaiian hike into an attempted murder scene? Gerhard Canig, a man known for precision and calm under pressure, is now under scrutiny after allegedly trying to kill his wife, Ariel, by pushing her off a cliff—and possibly backing that plan up with some mysteriously packed syringes. FBI behavioral expert Robin Dreeke joins to dissect the mind behind this bizarre and chilling alleged crime. Was it a spur-of-the-moment snap or a calculated act by someone who thought syringes made for a solid Plan B? The conversation dives into Gerhard's alleged methodical planning, the disturbing assumptions he may have made about his wife's will to live, and just how unsterile the real world can be compared to an operating room. With talk of hidden relationships, potential life insurance motives, and the psychology of a “broken brain moron” (yep, we said it), this case unfolds with layers of sinister intent—and quite a few possible digital breadcrumbs left behind. Is this a case of a man who cracked under pressure, or is there something—or someone—else behind his motive? #TrueCrimeToday #HiddenKillers #ArielCanig #GerhardCanig #AllegedAttemptedMurder #CriminalPsychology #RobinDreeke Want to listen to ALL of our podcasts AD-FREE? Subscribe through APPLE PODCASTS, and try it for three days free: https://tinyurl.com/ycw626tj Follow Our Other Cases: https://www.truecrimetodaypod.com The latest on The Downfall of Diddy, The Trial of Karen Read, The Murder Of Maddie Soto, Catching the Long Island Serial Killer, Awaiting Admission: BTK's Unconfessed Crimes, Delphi Murders: Inside the Crime, Chad & Lori Daybell, The Murder of Ana Walshe, Alex Murdaugh, Bryan Kohberger, Lucy Letby, Kouri Richins, Malevolent Mormon Mommys, The Menendez Brothers: Quest For Justice, The Murder of Stephen Smith, The Murder of Madeline Kingsbury, The Murder Of Sandra Birchmore, and much more! Listen at https://www.truecrimetodaypod.com
We've curated a special 10-minute version of the podcast for those in a hurry. Here you can listen to the full episode: https://podcasts.apple.com/us/podcast/nikesh-arora-ceo-of-palo-alto-networks/id1614211565?i=1000702795367In our increasingly digital world, how do we protect ourselves from growing cyber threats? In this episode of In Good Company, Nicolai Tangen welcomes Nikesh Arora, CEO of Palo Alto Networks, to explore the fast-changing world of cybersecurity. As our homes, cars, and cities become increasingly connected, the opportunities for hackers grow—from targeting individuals to attacking critical infrastructure. They discuss who the "bad actors" really are, how AI is transforming both attacks and defenses, and why future conflicts will likely play out in both digital and physical battlefields. Nikesh also shares his journey from Google and SoftBank to leading a cybersecurity giant, and his approach to spotting tech trends early. Tune in!In Good Company is hosted by Nicolai Tangen, CEO of Norges Bank Investment Management. New full episodes every Wednesday, and don't miss our Highlight episodes every Friday.The production team for this episode includes Isabelle Karlsson and PLAN-B's Niklas Figenschau Johansen, Sebastian Langvik-Hansen and Pål Huuse. Background research was conducted by Kristian Haga.Watch the episode on YouTube: Norges Bank Investment Management - YouTubeWant to learn more about the fund? The fund | Norges Bank Investment Management (nbim.no)Follow Nicolai Tangen on LinkedIn: Nicolai Tangen | LinkedInFollow NBIM on LinkedIn: Norges Bank Investment Management: Administrator for bedriftsside | LinkedInFollow NBIM on Instagram: Explore Norges Bank Investment Management on Instagram Hosted on Acast. See acast.com/privacy for more information.
Today's show: Jason, Alex, and Lon talk about stories reshaping the startup world: 70mph drone deliveries are officially live in Dallas, with Zipline and Walmart promising groceries “as the crow flies” in under 5 minutes. Meanwhile, Trump slaps a 125% tariff on China and hints at a global economic shakeup — Jason warns founders to brace for layoffs and bankruptcies unless they've got a Plan B and C. Finally, a UK startup sells for $450M and VCs barely break even… but the founders walk with $20M. Jason explains how small exits create the most dangerous kind of founder: the one who never needs another check. Plus Office Hours with Orchestra CEO Sergie Poe.Timestamps:(0:00) Jason kicks off the show!(1:37) Tariffs, market volatility, and startup implications(5:33) Startup resilience: Layoffs and bankruptcies(10:35) Brex. Get the business account trusted by 1 in 3 US startups at https://www.brex.com/banking-solutions(12:10) Globalization and startup ecosystems(13:52) Recent startup deals and Zipline's expansion(19:56) Vanta - Get $1000 off your SOC 2 at https://www.vanta.com/twist(21:16) Zipline drones and Marquese Brownlee's review(24:31) 70MPH Drones and the future of ddeliveries(30:05) Northwest Registered Agent. Form your entire business identity in just 10 clicks and 10 minutes. Get more privacy, more options, and more done—visit https://www.northwestregisteredagent.com/twist today!(31:51) Founder FridaysPitch Madness matchups(33:35) LifeStack and Burble pitches and discussion(43:26) Arcana and Tactun pitches and discussion(50:12) Summer West Whiskey and MomSub pitches and evaluation(56:36) Orchestra's office hours: Challenges and strategiesSubscribe to the TWiST500 newsletter: https://ticker.thisweekinstartups.comCheck out the TWIST500: https://www.twist500.comSubscribe to This Week in Startups on Apple: https://rb.gy/v19fcpLinks from the show:Orchestra: https://orch.so/Follow Alex:X: https://x.com/alexLinkedIn: https://www.linkedin.com/in/alexwilhelmFollow Jason:X: https://twitter.com/JasonLinkedIn: https://www.linkedin.com/in/jasoncalacanisThank you to our partners:(10:35) Brex. Get the business account trusted by 1 in 3 US startups at https://www.brex.com/banking-solutions(19:56) Vanta - Get $1000 off your SOC 2 at https://www.vanta.com/twist(30:05) Northwest Registered Agent. Form your entire business identity in just 10 clicks and 10 minutes. Get more privacy, more options, and more done—visit https://www.northwestregisteredagent.com/twist today!Great TWIST interviews: Will Guidara, Eoghan McCabe, Steve Huffman, Brian Chesky, Bob Moesta, Aaron Levie, Sophia Amoruso, Reid Hoffman, Frank Slootman, Billy McFarlandCheck out Jason's suite of newsletters: https://substack.com/@calacanisFollow TWiST:Twitter: https://twitter.com/TWiStartupsYouTube: https://www.youtube.com/thisweekinInstagram: https://www.instagram.com/thisweekinstartupsTikTok: https://www.tiktok.com/@thisweekinstartupsSubstack: https://twistartups.substack.comSubscribe to the Founder University Podcast: https://www.youtube.com/@founderuniversity1916
Become a Client: https://nomadcapitalist.com/apply/ Get our free Weekly Rundown newsletter and be the first to hear about breaking news and offers:https://nomadcapitalist.com/email Join us for the next Nomad Capitalist Live event: https://nomadcapitalist.com/live/ In this episode, Mr Henderson shares the urgent changes to Italy's citizenship by descent policy, a major shift that will impact millions of people worldwide. He breaks down how this once widely accessible passport option is now restricted and what this means for those seeking second citizenship through ancestry. Mr Henderson also outlines other countries that still offer flexible citizenship by descent options. Whether you're planning a backup passport or just starting to explore your family's history, this video explains why now is the time to act and take up available options—before more doors close. Nomad Capitalist helps clients "go where you're treated best." We are the world's most sought-after firm for offshore tax planning, dual citizenship, international diversification, and asset protection. We use legal and ethical strategies and work exclusively with seven- and eight-figure entrepreneurs and investors. We create and execute holistic, multi-jurisdictional Plans that help clients keep more of their wealth, increase their personal freedom, and protect their families and wealth against threats in their home country. No other firm offers clients access to more potential options to relocate to, bank in, or become a citizen of. Because we do not focus only on one or a handful of countries, we can offer unbiased advice where others can't. Become Our Client: https://nomadcapitalist.com/apply/ Our Website: http://www.nomadcapitalist.com/ About Our Company: https://nomadcapitalist.com/about/ Buy Mr. Henderson's Book: https://nomadcapitalist.com/book/ DISCLAIMER: The information in this episode should not be considered tax, financial, investment, or any kind of professional advice. Only a professional diagnosis of your specific situation can determine which strategies are appropriate for your needs. Nomad Capitalist can and does not provide advice unless/until engaged by you.
In this episode of Beyond the Thesis with Papa PhD, host David Mendes is joined by Isabelle Koller, an assistant professor at VU Amsterdam and the founder of NextMinds. Isabelle shares her passion for helping early career researchers navigate the complexities of academia, from enhancing their well-being during their PhDs to planning the next steps in their careers. Throughout the conversation, Isabelle and David explore the challenges facing PhD students, particularly as they look to transition into industry or other sectors beyond academia. They talk about the importance of starting career exploration early, the value of networking, and practical tips for making a successful leap into post-PhD life. Whether you're a PhD student or someone guiding researchers, this episode is packed with insights on how to approach career development strategically and thoughtfully. Isabelle is Assistant Professor at VU Amsterdam, founder and CEO of NextMinds, certified coach and active writer.She is passionate about helping early-career researchers navigate academia - from increasing their well-being during their PhD to preparing the next steps of their career. What we covered in the interview: ⌚ Start Early: Seek career guidance as early as possible in your PhD journey to avoid the pitfall of going blind into the job market. You should make use of all resources possible to to prepare for the diverse opportunities available. Start by taking stock of what your program offers you.
A weekly conversation with Rebecca Davis covering the subjects that created a stir in the news and in social media.See omnystudio.com/listener for privacy information.
Welcome to Episode 104 of the Your Next Move Podcast! In today's episode, I'm getting real with you. I'm sharing six powerful reminders that I constantly rotate for both myself and my clients especially when we find ourselves stuck, scared, or playing small. This is more of a truth-telling episode where I want to give you the advice that I give my clients. But especially recently, I've had some experiences where I realized I need to remind myself of these things too. In this episode, you'll hear: Why fear actually means "go" and not "stop," and how it's often the biggest thing standing between you and your goals How taking just one hour to plan your week can transform your productivity and mindset Why saying "no" when it's not a "hell yes" is crucial for your satisfaction and success The importance of using your voice even when it shakes Why rest isn't a reward for overworking but a power move and essential part of your plan The liberating truth that you don't have to prove your worth—you already belong I also share a recent experience where I faced serious imposter syndrome before a speaking engagement, and how I used these same reminders to pull myself back from spiraling. You'll get practical advice on: Recognizing when fear is causing you to choose "Plan B" when you really want "Plan A" Setting yourself up for success by planning in a way that works for your brain How to determine if an opportunity is truly a "hell yes" (and a simple test I use for client work) Practical ways to advocate for yourself even when it makes you nervous Building rest into your schedule as a non-negotiable part of your success strategy Reminding yourself that you are enough exactly as you are At the end of the episode, I share an unofficial seventh reminder that emerged naturally: The more you lean into being your authentic self, the better. Timeline [0:00] Introduction: A different kind of episode - six reminders I keep in rotation [1:15] Reminder #1: Show up when you're scared - fear means GO [3:30] Story about choosing Plan B instead of Plan A because of fear [5:25] Reminder #2: Take time to plan for your success [7:45] Reminder #3: Say no when it's not a hell yes [9:20] My test for deciding which one-on-one clients to take [11:10] Reminder #4: Use your voice even when it shakes [12:55] Reminder #5: Rest is a power move, not a reward [15:30] How I've improved my relationship with rest over the years [17:20] Reminder #6: You don't have to prove your worth [18:45] My backstage experience with imposter syndrome [21:30] The unofficial 7th reminder: The more you lean into being you, the better [23:10] Closing thoughts and encouragement to share Stay In Touch Let's connect on social media: Follow Your Next Move Podcast on Instagram/TikTok: @YourNextMovePodcast Follow me on Instagram/TikTok: @KimberlyBOnline Learn more about Brown Leadership: https://brownleadership.com Ask me a question that I'll answer on the podcast: Share your question in a 90 second voice message and I may answer your question on a future episode of the podcast. Submit your voice message here: https://www.speakpipe.com/YourNextMove Submit to join me on the show for a 1:1 coaching session: You'll be able to participate in a 20-30 minute live coaching session that may be aired on a future episode of the podcast. Apply here.
Trump's global tariff plan, a surprise shakeup in Canadian leadership, and a crackdown on citizenship programs are just a few of the major stories my co-host and resident newsman Marc Clair and I tackle in this latest edition of Expat News. After a whirlwind start to the year, we're back in the newsroom format to bring you the hard truths behind the headlines—and why they matter for freedom-minded individuals like you. This week's episode is packed with insights that go way beyond the mainstream narrative. Whether you're already living abroad or in the process of crafting your Plan-B, these are the geopolitical and policy shifts you need to stay ahead of. TODAY'S EDITION OF EXPAT NEWS: Listen in as Marc and I break down Trump's bizarre new tariff proposal—why it's economically incoherent and how it will raise your cost of living almost immediately. Tune in to hear us discuss Canada's sudden change in leadership and why Mark Carney's installment as Prime Minister is even scarier than the Trudeau regime. Get the inside scoop on why BlackRock's deal for Panama Canal port control may have been secretly blocked by China... and why that's not necessarily bad news. Find out how the UK's latest “solution” to knife crime—banning ninja swords—completely misses the mark on what's really causing violence in Britain. Discover why the EU's biometric visa system has been delayed yet again—and why that delay is a small win for liberty-minded travellers. Learn how Italy's proposed limits on Citizenship by Descent could disqualify millions of people from obtaining Italian citizenship. Uncover why Brussels is threatening to revoke visa-free access to Schengen for Caribbean CBI holders. Hear my take on the Vanuatu CBI program— and why claims it has been suspended are misleading. SIGN UP FOR OUR NEWSLETTER You would have already heard about many of these new items if you had been subscribed to our newsletter. You will receive the EMS Pulse newsletter and the weekly Expat Sunday Times; sign up now and receive my FREE special report, “Plan B Residencies and Instant Citizenships.” ARTICLES MENTIONED Is Canada Beyond Repair? What The 2025 Elections Won't Fix When Does ETIAS Start? New Date Announced Is Trump Coming For The Panama Canal? RELATED EPISODES
In our increasingly digital world, how do we protect ourselves from growing cyber threats? In this episode of In Good Company, Nicolai Tangen welcomes Nikesh Arora, CEO of Palo Alto Networks, to explore the fast-changing world of cybersecurity. As our homes, cars, and cities become increasingly connected, the opportunities for hackers grow—from targeting individuals to attacking critical infrastructure. They discuss who the "bad actors" really are, how AI is transforming both attacks and defenses, and why future conflicts will likely play out in both digital and physical battlefields. Nikesh also shares his journey from Google and SoftBank to leading a cybersecurity giant, and his approach to spotting tech trends early. Tune in!In Good Company is hosted by Nicolai Tangen, CEO of Norges Bank Investment Management. New full episodes every Wednesday, and don't miss our Highlight episodes every Friday.The production team for this episode includes Isabelle Karlsson and PLAN-B's Niklas Figenschau Johansen, Sebastian Langvik-Hansen and Pål Huuse. Background research was conducted by Kristian Haga.Watch the episode on YouTube: Norges Bank Investment Management - YouTubeWant to learn more about the fund? The fund | Norges Bank Investment Management (nbim.no)Follow Nicolai Tangen on LinkedIn: Nicolai Tangen | LinkedInFollow NBIM on LinkedIn: Norges Bank Investment Management: Administrator for bedriftsside | LinkedInFollow NBIM on Instagram: Explore Norges Bank Investment Management on Instagram Hosted on Acast. See acast.com/privacy for more information.
durée : 00:03:33 - Le monde à 18h50 - par : Franck MATHEVON - Les nouveaux droits de douane imposés par Washington sont entrés en vigueur jeudi 9 avril. Nouvelle journée agitée sur les marchés. Les Etats-Unis semblent ouverts à des négociations mais que faire si ça ne marche pas ? Donald Trump et ses conseillers n'envisagent jamais cette hypothèse.
Are you limiting God and what He might be directing you to in your life? Abraham was a man of faith who also listened to God. But the Israelites rescued by God's hand from slavery in Egypt would not listen to God; therefore, God gave them the Mosaic Law. Yes, the Law was Plan B for the Israelites, and it came because the Israelites limited themselves from listening to God! How about believers today…and how about you—are you limiting the voice of God in your life? Join Kevin as we dive in the extraordinary reality of “man limiting the voice of God, then and now!” // Download this episode's Application & Action questions and PDF transcript at whitestone.org.
Doing Divorce Different A Podcast Guide to Doing Divorce Differently
Divorce after 50—often called gray divorce—comes with its own unique challenges and hidden truths. In this eye-opening episode of Doing Divorce Different, I sit down with seasoned attorney Michelle to dive deep into the emotional, financial, and relational complexities of gray divorce.Whether you're an empty nester questioning your future, someone who's felt controlled or stuck in a long-term marriage, or a woman wondering if there's still time to rebuild her life—this episode is for you.We're talking real talk:
Links & ResourcesFollow us on social media for updates: Instagram | YouTubeCheck out our recommended tool: Prop StreamThank you for tuning in! If you enjoyed this episode, please rate, follow, and review our podcast. Don't forget to share it with friends who might find it valuable. Stay connected for more insights in our next episode!
The H1B Guy continues the monthly series forecasting the Department of State Visa Bulletin for Employment Based Preferences predicting the May 2025 Visa Bulletin.The H1B Guy will predict:Final Action Dates and Dates of Filing for EB1, EB2 and EB3 for China and India Final Action Dates and Dates of Filing for EB2 for Philippines and All ChargeabilityFinal Action Dates and Dates of Filing for EB3, EB3 Other Workers for All ChargeabilityFinal Action Dates and Dates of Filing for EB4 All Chargeability and MexicoVisa Bulletin Release DateRead the full post: https://theh1bguy.com/f/the-h1b-guy-forecasts-may-2025-visa-bulletin-predictionsFor more US employment based immigration coverage please check out TheH1BGuy.comFollow The H1B Guy: YouTube, Twitter, Facebook, Instagram, Telegram, LinkedInThe H1B Guy is proudly sponsored by:Syndesus is the ideal Plan B for high skilled immigrants currently in the US whose status may be uncertain. Check them out: https://syndesus.com/contact/#H1B #MayVisaBulletin #GreenCardBacklog #VisaBulletinPredictions #BoletinDeVisasMayo
We've curated a special 10-minute version of the podcast for those in a hurry. Here you can listen to the full episode: https://podcasts.apple.com/no/podcast/gsk-ceo-drug-discovery-ai-in-pharma-and-changing/id1614211565?i=1000701828482&l=nbHow is the pharmaceutical industry evolving to meet the world's biggest health challenges? In this episode, Nicolai Tangen sits down with Emma Walmsley, CEO of GSK, for an insightful conversation about the future of pharmaceuticals. They discuss GSK's latest advances in cancer treatments, HIV therapies, and respiratory medicine, as well as the role of AI in speeding up drug discovery. Emma also shares her thoughts on navigating change, transforming company culture, and the role of curiosity in staying motivated. Tune in!In Good Company is hosted by Nicolai Tangen, CEO of Norges Bank Investment Management. New full episodes every Wednesday, and don't miss our Highlight episodes every Friday.The production team for this episode includes Isabelle Karlsson and PLAN-B's Niklas Figenschau Johansen, Sebastian Langvik-Hansen and Pål Huuse. Background research was conducted by Isabelle Karlsson.Watch the episode on YouTube: Norges Bank Investment Management - YouTubeWant to learn more about the fund? The fund | Norges Bank Investment Management (nbim.no)Follow Nicolai Tangen on LinkedIn: Nicolai Tangen | LinkedInFollow NBIM on LinkedIn: Norges Bank Investment Management: Administrator for bedriftsside | LinkedInFollow NBIM on Instagram: Explore Norges Bank Investment Management on Instagram Hosted on Acast. See acast.com/privacy for more information.
Binh hat sich als Fotograf selbstständig gemacht und kann davon leben. Er hat keinen Plan B und geht zuversichtlich seinen Weg. Selbstständigkeit ist aber nicht selten von der Angst geprägt, zu scheitern. Die braucht es aber nicht, sagt ein Experte.**********Ihr hört: Gesprächspartner: Binh, hat sich als Fotograf selbstständig gemacht Gesprächspartnerin: Sophia Kiefl, Psychologin, berät Selbstständige und Führungskräfte zu mentaler Gesundheit und Zufriedenheit am Arbeitsplatz, hat zur mentalen Belastung von Selbstständigen geforscht Gesprächspartner: Marco Habschick, Stakeholder Management bei der "Gründerplattform" Autorin und Host: Shalin Rogall Redaktion: Sarah Brendel, Anne Göbel Produktion: Frank Klein**********Mehr zum Thema bei Deutschlandfunk Nova:Plan C: Wie es wirklich ist, ein Café zu eröffnenSelbstständigkeit im Paradies: Elisa lebt ihren TraumBelohnung: Wie wir unsere Erfolge sehen und feiern**********Den Artikel zum Stück findet ihr hier.**********Ihr könnt uns auch auf diesen Kanälen folgen: TikTok und Instagram .**********Meldet euch!Ihr könnt das Team von Facts & Feelings über WhatsApp erreichen.Uns interessiert: Was beschäftigt euch? Habt ihr ein Thema, über das wir unbedingt in der Sendung und im Podcast sprechen sollen?Schickt uns eine Sprachnachricht oder schreibt uns per 0160-91360852 oder an factsundfeelings@deutschlandradio.de.Wichtig: Wenn ihr diese Nummer speichert und uns eine Nachricht schickt, akzeptiert ihr unsere Regeln zum Datenschutz und bei WhatsApp die Datenschutzrichtlinien von WhatsApp.
Mix Name: DJ Dres – Reggaeton Vs Hip-Hop Mix Website: https://www.iamlmp.com/ Instagram: https://www.instagram.com/iamlmp/ DJ Instagram: https://www.instagram.com/djdres/ Download our DJ Music App Daily Mixes: https://linktr.ee/iamlmp —– Ready for the ultimate musical face-off? DJ Dres brings the fire with an electrifying mix of Reggaeton and Hip-Hop, featuring heavy hitters like Arcangel, Plan B, Ñengo Flow, Drake, and Lil Wayne. Dive into the beats, vibes, and lyrical flow as two iconic genres battle it out! Don't forget to like, comment, and subscribe for more epic music blends! #reggaeton #iamlmp #hiphop
Today's guest is Peter Moskos, a professor at John Jay College of Criminal Justice. He spent two years as a police officer in Baltimore. I asked him to come on and talk about his new book, Back from the Brink, Inside the NYPD and New York City's Extraordinary 1990s Crime Drop. It's one of my favorite books I've read this year (and it was one of my three book recommendations on Ezra Klein's show last week).Peter spoke with hundreds of police officers and NYC officials to understand and describe exactly how the city's leaders in the early 1990s managed to drive down crime so successfully.We discussed:* How bad did things get in the 1970s?* Why did processing an arrest take so long?* What did Bill Bratton and other key leaders do differently?* How did police get rid of the squeegee men?I've included my reading list at the bottom of this piece. Thanks to Harry Fletcher-Wood for his judicious transcript edits.Subscribe for one new interview a week.Peter, how would you describe yourself?I would say I'm a criminologist: my background is sociology, but I am not in the sociology department. I'm not so big on theory, and sociology has a lot of theory. I was a grad student at Harvard in sociology and worked as a police officer [in Baltimore] and that became my dissertation and first book, Cop in the Hood. I've somewhat banked my career on those 20 months in the police department.Not a lot of sociologists spend a couple of years working a police beat.It's generally frowned upon, both for methodological reasons and issues of bias. But there is also an ideological opposition in a lot of academia to policing. It's seen as going to the dark side and something to be condemned, not understood.Sociologists said crime can't go down unless we fix society first. It's caused by poverty, racism, unemployment, and social and economic factors — they're called the root causes. But they don't seem to have a great impact on crime, as important as they are. When I'm in grad school, murders dropped 30-40% in New York City. At the same time, Mayor Giuliani is slashing social spending, and poverty is increasing. The whole academic field is just wrong. I thought it an interesting field to get into.We're going to talk about your new book, which is called Back from the Brink, Inside the NYPD and New York City's Extraordinary 1990s Crime Drop. I had a blast reading it. Tell me about the process of writing it.A lot of this is oral history, basically. But supposedly people don't like buying books that are called oral histories. It is told entirely from the perspective of police officers who were on the job at the time. I would not pretend I talked to everyone, because there were 30,000+ cops around, but I spoke to many cops and to all the major players involved in the 1990s crime drop in New York City.I was born in the ‘90s, and I had no idea about a crazy statistic you cite: 25% of the entire national crime decline was attributable to New York City's crime decline.In one year, yeah. One of the things people say to diminish the role of policing is that the crime drop happened everywhere — and it did end up happening almost everywhere. But I think that is partly because what happened in New York City was a lot of hard work, but it wasn't that complicated. It was very easy to propagate, and people came to New York to find out what was going on. You could see results, literally in a matter of months.It happened first in New York City. Really, it happened first in the subways and that's interesting, because if crime goes down in the subways [which, at the time, fell under the separate New York City Transit Police] and not in the rest of the city, you say, “What is going on in the subways that is unique?” It was the exact same strategies and leadership that later transformed the NYPD [New York Police Department].Set the scene: What was the state of crime and disorder in New York in the ‘70s and into the ‘80s?Long story short, it was bad. Crime in New York was a big problem from the late ‘60s up to the mid ‘90s, and the ‘70s is when the people who became the leaders started their careers. So these were defining moments. The city was almost bankrupt in 1975 and laid off 5,000 cops; 3,000 for a long period of time. That was arguably the nadir. It scarred the police department and the city.Eventually, the city got its finances in order and came to the realization that “we've got a big crime problem too.” That crime problem really came to a head with crack cocaine. Robberies peaked in New York City in 1980. There were above 100,000 robberies in 1981, and those are just reported robberies. A lot of people get robbed and just say, “It's not worth it to report,” or, “I'm going to work,” or, “Cops aren't going to do anything.” The number of robberies and car thefts was amazingly high. The trauma, the impact on the city and on urban space, and people's perception of fear, all comes from that. If you're afraid of crime, it's high up on the hierarchy of needs.To some extent, those lessons have been lost or forgotten. Last year there were 16,600 [robberies], which is a huge increase from a few years ago, but we're still talking an 85% reduction compared to the worst years. It supposedly wasn't possible. What I wanted to get into in Back from the Brink was the actual mechanisms of the crime drop. I did about fifty formal interviews and hundreds of informal interviews building the story. By and large, people were telling the same story.In 1975, the city almost goes bankrupt. It's cutting costs everywhere, and it lays off more than 5,000 cops, about 20% of the force, in one day. There's not a new police academy class until 1979, four years later. Talk to me about where the NYPD was at that time.They were retrenched, and the cops were demoralized because “This is how the city treats us?” The actual process of laying off the cops itself was just brutal: they went to work, and were told once they got to work that they were no longer cops. “Give me your badge, give me your gun."The city also was dealing with crime, disorder, and racial unrest. The police department was worried about corruption, which was a legacy of the Knapp Commission [which investigated NYPD corruption] and [Frank] Serpico [a whistleblowing officer]. It's an old police adage, that if you don't work, you can't get in trouble. That became very much the standard way of doing things. Keep your head low, stay out of trouble, and you'll collect your paycheck and go home.You talk about the blackout in 1977, when much of the city lost power and you have widespread looting and arson. 13,000 off-duty cops get called in during the emergency, and only about 5,000 show up, which is a remarkable sign of the state of morale.The person in my book who's talking about that is Louis Anemone. He showed up because his neighbor and friend and partner was there, and he's got to help him. It was very much an in-the-foxholes experience. I contrast that with the more recent blackout, in which the city went and had a big block party instead. That is reflective of the change that happened in the city.In the mid-80s you get the crack cocaine epidemic. Talk to me about how police respond.From a political perspective, that era coincided with David Dinkins as [New York City's first black] mayor. He was universally disliked, to put it mildly, by white and black police officers alike. He was seen as hands off. He was elected in part to improve racial relations in New York City, to mitigate racial strife, but in Crown Heights and Washington Heights, there were riots, and racial relations got worse. He failed at the level he was supposed to be good at. Crime and quality of life were the major issues in that election.Dinkins's approach to the violence is centered around what they called “community policing.” Will you describe how Dinkins and political leaders in the late ‘80s and early ‘90s thought about policing?This is under Ben Ward, the [NYPD] Commissioner at the time. The mayor appoints the police commissioner — and the buck does stop with the mayor — but the mayor is not actively involved in day-to-day operations. That part does go down to the police department.Community policing was seen as an attempt to improve relations between the police and the community. The real goal was to lessen racial strife and unrest between black (and to a lesser extent Hispanic) communities and the NYPD. Going back to the ‘60s, New York had been rocked by continued unrest in neighborhoods like Central Harlem, East New York, and Bushwick. Community policing was seen as saying that police are partly to blame, and we want to improve relations. Some of it was an attempt to get the community more involved in crime fighting.It's tough. It involves a certain rosy view of the community, but that part of the community isn't causing the problems. It avoids the fact there are people who are actively criming and are willing to hurt people who get in their way. Community policing doesn't really address the active criminal element, that is a small part of any community, including high-crime communities.Arrests increased drastically during this era, more than in the ‘90s with broken windows policing. If the idea is to have fewer arrests, it didn't happen in the ‘80s. Some good came out of it, because it did encourage cops to be a bit more active and cops are incentivized by overtime. Arrests were so incredibly time-consuming, which kind of defeated the purpose of community policing. If you made an arrest in that era, there was a good chance you might spend literally 24 hours processing the arrest.Will you describe what goes into that 24 hours?From my experience policing in Baltimore, I knew arrests were time-consuming and paperwork redundant, but I could process a simple arrest in an hour or two. Even a complicated one that involved juveniles and guns and drugs, we're talking six to eight hours.In the ‘80s, Bob Davin, [in the] Transit Police, would say they'd make an arrest, process at the local precinct, search him in front of a desk officer, print him, and then they would have to get a radio car off patrol to drive you down to central booking at 100 Centre Street [New York City Criminal Court]. Then they would fingerprint him. They didn't have the live scan fingerprints machine, it was all ink. It had to be faxed up to Albany and the FBI to see if it hit on any warrant federally and for positive identification of the person. Sometimes it took 12 hours to have the prints come back and the perp would be remanded until that time. Then you'd have to wait for the prosecutor to get their act together and to review all the paperwork. You couldn't consider bail unless the prints came back either positive or negative and then you would have that initial arraignment and the cop could then go home. There are a lot of moving parts, and they moved at a glacial pace.The system often doesn't work 24/7. A lot of this has changed, but some of it was having to wait until 9 am for people to show up to go to work, because it's not a single system. The courts, the jails, and policing all march to their own drummer, and that created a level of inefficiency.So much of the nitty-gritty of what cops actually do is boring, behind-the-scenes stuff: How do we speed up the paperwork? Can we group prisoners together? Can we do some of this at the police station instead of taking it downtown? Is all of this necessary? Can we cooperate with the various prosecutors? There are five different prosecutors in New York City, one for each borough.There's not a great incentive to streamline this. Cops enjoyed the overtime. That's one of the reasons they would make arrests. So during this time, if a cop makes an arrest for drug dealing, that cop is gone and no cop was there to replace him. If it's a minor arrest, there's a good chance in the long run charges will be dropped anyway. And you're taking cops off the street. In that sense, it's lose-lose. But, you have to think, “What's the alternative?”Bob Davin is a fascinating guy. There's a famous picture from 1981 by Martha Cooper of two cops on a subway train. It's graffitied up and they're in their leather jackets and look like cops from the ‘70s. Martha Cooper graciously gave me permission to use the picture, but she said, "You have to indemnify me because I don't have a release form. I don't know who the cops are." I said, "Martha, I do know who the cop is, because he's in my book and he loves the picture.” Bob Davin is the cop on the right.Davin says that things started to get more efficient. They had hub sites in the late ‘80s or ‘90s, so precincts in the north of Manhattan could bring their prisoners there, and you wouldn't have to take a car out of service to go back to Central Booking and deal with traffic. They started collecting prisoners and bringing them en masse on a small school bus, and that would cut into overtime. Then moving to electronic scan fingerprints drastically saves time waiting for those to come back.These improvements were made, but some of them involve collective bargaining with unions, to limit overtime and arrests that are made for the pure purpose of overtime. You want cops making arrests for the right reason and not simply to make money. But boy, there was a lot of money made in arrests.In 1991, you have the infamous Crown Heights riot in Brooklyn. Racial tensions kick off. It's a nightmare for the mayor, there's this sense that he has lost control. The following year, you have this infamous police protest at City Hall where it becomes clear the relationship between the cops and the mayor has totally evaporated. How does all that play into the mayoral race between Dinkins and Giuliani?It was unintentional, but a lot of the blame for Crown Heights falls on the police department. The part of the story that is better known is that there was a procession for a Hasidic rabbi that was led by a police car. He would go to his wife's grave, and he got a little three-car motorcade. At some point, the police look at this and go "Why are we doing this? We're going to change it." The man who made the deal said ‘I"m retiring in a couple weeks, can we just leave it till then? Because I gave him my word." They're like, "Alright, whatever."This motor car procession is then involved in a car crash, and a young child named Gavin Cato is killed, and another girl is severely injured. The volunteer, Jewish-run ambulance shows up and decides they don't have the equipment: they call for a professional city ambulance. Once that ambulance is on the way, they take the mildly-injured Jewish people to the hospital. The rumor starts that the Jewish ambulance abandoned the black children to die.This isn't the first incident. There's long been strife over property and who the landlord is. But this was the spark that set off riots. A young Jewish man was randomly attacked on the street and was killed.As an aside, he also shouldn't have died, but at the hospital they missed internal bleeding.Meanwhile, the police department has no real leadership at the time. One chief is going to retire, another is on vacation, a third doesn't know what he's doing, and basically everyone is afraid to do anything. So police do nothing. They pull back, and you have three days of very anti-Semitic riots. Crowds chanting "Kill the Jews" and marching on the Lubavitch Hasidic Headquarters. Al Sharpton shows up. The riots are blamed on Dinkins, which is partly fair, but a lot of that's on the NYPD. Finally, the mayor and the police commissioner go to see what's going on and they get attacked. It's the only time in New York City history that there's ever been an emergency call from the police commissioner's car. People are throwing rocks at it.It took three days to realise this, but that's when they say “We have to do something here,” and they gather a group of officers who later become many of Bratton's main chiefs at the time [Bill Bratton was Commissioner of the NYPD from 1994-1996, under Giuliani]: Mike Julian, Louis Anemone, Ray Kelly, and [John] Timoney. They end the unrest in a day. They allow people to march, they get the police department to set rules. It still goes on for a bit, but no one gets hurt after that, and that's it.It was a huge, national story at the time, but a lot of the details were not covered. Reporters were taken from their car and beaten and stripped. The significance was downplayed at the time, especially by the New York Times, I would say.That's followed by the Washington Heights riots, which is a different story. A drug dealer was shot and killed by cops. There were rumors, which were proven to be false, that he was executed and unarmed. Then there were three days of rioting there. It wasn't quite as severe, but 53 cops were hurt, 120 stores were set on fire, and Mayor Dinkins paid for the victim's family to go to the Dominican Republic for the funeral. The police perspective again was, “You're picking the wrong side here.”Then there's the so-called Police Riot at City Hall. Nominally, it was about the CCRB, the Civilian Complaint Review Board, and setting up an accountability mechanism to control cops. But really it was just an anti-Dinkins protest. It was drunken and unruly. The cops stormed the steps of City Hall. I have the account of one of the cops who was on the top of those steps looking at this mob of cops storming to him, and he's getting worried he's going to be killed in a crush. There were racist chants from off-duty cops in the crowd. It did not reflect well on police officers. But it showed this hatred of David Dinkins, who was seen as siding with criminals and being anti-police. The irony is that Dinkins is the one who ends up hiring all the cops that Giuliani gets credit for.In the “Safe Streets, Safe City” program?Yes. That was because a white tourist, Brian Watkins, was killed in a subway station protecting his parents who were getting robbed. That led to the famous headline [in the New York Post] of “Dave, do something! Crime-ravaged city cries out for help.” He, with City Council President Peter Vallone, Sr., drafted and pushed through this massive hiring of police officers, “Safe Streets, Safe City.”The hiring wasn't fast-tracked. It might be because Dinkins's people didn't really want more cops. But it was a Dinkins push that got a massive hiring of cops. When the first huge class of police officers graduated, Bill Bratton was there and not David Dinkins.Some interviewees in your book talk about how there's physically not enough room in the police academies at this time, so they have to run classes 24/7. You cycle cohorts in and out of the same classroom, because there are too many new cops for the facilities.You have thousands of cops going through it at once. Everyone describes it as quite a chaotic scene. But it would have been hard to do what the NYPD did without those cops. Ray Kelly, who was police commissioner under Dinkins at the end [from 1992 to 1994] before he became police commissioner for 12 years under Bloomberg [from 2002 to 2013] probably could have done something with those cops too, but he never had the chance, because the mayoral leadership at the time was much more limiting in what they wanted cops to do.Crime starts declining slowly in the first few years of the ‘90s under Dinkins, and then in ‘93 Giuliani wins a squeaker of a mayoral election against Dinkins.One of the major issues was the then-notorious “squeegee men” of New York City. These were guys who would go to cars stopped at bridges and tunnel entrances and would rub a squeegee over the windshield asking for money. It was unpleasant, intimidating, and unwanted, and it was seen as one of those things that were just inevitable. Like graffiti on the subway in the ‘80s. Nothing we can do about it because these poor people don't have jobs or housing or whatever.The irony is that Bratton and Giuliani were happy to take credit for that, and it was an issue in the mayoral campaign, but it was solved under David Dinkins and Ray Kelly and Mike Julian with the help of George Kelling [who, with James Wilson, came up with broken windows theory]. But they never got credit for it. One wonders if, had they done that just a few months earlier, it would have shifted the entire campaign and we'd have a different course of history in New York City.It's a great example of a couple of things that several people in your book talk about. One is that disorder is often caused by a very small set of individuals. There's only like 70 squeegee men, yet everybody sees them, because they're posted up at the main tunnel and bridge entrances to Manhattan. And getting them off the streets solves the problem entirely.Another emphasis in the book is how perceptions of crime are central. You quote Jack Maple, the father of Compstat, as saying, “A murder on the subway counts as a multiple murder up on the street, because everybody feels like that's their subway.” The particular locations of crimes really affect public perception.Absolutely. Perception is reality for a lot of these things, because most people aren't victimized by crime. But when people perceive that no one is in control they feel less safe. It's not that this perception is false, it just might not be directly related to an actual criminal act.The other thing I try to show is that it's not just saying, “We've got to get rid of squeegee men. How do you do it?” They had tried before, but this is why you need smart cops and good leadership, because it's a problem-solving technique, and the way to get rid of graffiti is different to the way you get rid of squeegee men.This book is in opposition to those who just say, “We can't police our way out of this problem.” No, we can. We can't police our way out of every problem. But if you define the problem as, we don't want people at intersections with squeegees, of course we can police our way out of the problem, using legal constitutional tools. You need the political will. And then the hard work starts, because you have to figure out how to actually do it.Will you describe how they tackle the squeegee men problem?Mike Julian was behind it. They hired George Kelling, who's known for broken windows. They said, “These people are here to make money. So to just go there and make a few arrests isn't going to solve the problem.” First of all, he had to figure out what legal authority [to use], and he used Traffic Reg 44 [which prohibits pedestrians from soliciting vehicle occupants]. He talked to Norm Siegel of the NYCLU [New York Civil Liberties Union] about this, who did not want this crackdown to happen. But Norman said, “Okay, this is the law, I can't fight that one. You're doing it legally. It's all in the books.” And So that took away that opposition.But the relentless part of it is key. First they filmed people. Then, when it came to enforcement, they warned people. Then they cited people, and anybody that was left they arrested. They did not have to arrest many people, because the key is they did this every four hours. It was that that changed behavior, because even a simple arrest isn't going to necessarily deter someone if it's a productive way to make money. But being out there every four hours for a couple of weeks or months was enough to get people to do something else. What that something else is, we still don't know, but we solved the squeegee problem.So in 93, Giuliani is elected by something like 50,000 votes overall. Just as an aside, in Prince of the City, Fred Siegel describes something I had no idea about. There's a Puerto Rican Democratic Councilman who flips and supports Giuliani. Mayor Eric Adams, who at the time was the head of a nonprofit for black men in law enforcement, calls him a race traitor for doing that and for being married to a white woman. There was a remarkable level of racial vitriol in that race that I totally missed.10 years ago when I started this, I asked if I could interview then-Brooklyn borough president Eric Adams, and he said yes, and the interview kept getting rescheduled, and I said, “Eh, I don't need him.” It's a regret of mine. I should have pursued that, but coulda, woulda, shoulda.Giuliani is elected, and he campaigns very explicitly on a reducing crime and disorder platform. And he hires Bill Bratton. Tell me about Bratton coming on board as NYPD commissioner.Bratton grew up in Boston, was a police officer there, became head of the New York City Transit Police when that was a separate police department. Right before he becomes NYPD Commissioner, he's back in Boston, as the Chief of Police there, and there is a movement among certain people to get Bratton the NYC job. They succeed in that, and Bratton is a very confident man. He very much took a broken windows approach and said, “We are going to focus on crime.” He has a right-hand man by the name of Jack Maple who he knows from the Transit Police. Maple is just a lieutenant in transit, and Bratton makes him the de facto number two man in the police department.Jack Maple passed away in 2001 and I didn't know what I was going to do, because it's hard to interview a man who's no longer alive. Chris Mitchell co-wrote Jack Maple's autobiography called Crime Fighter and he graciously gave me all the micro-cassettes of the original interviews he conducted with Maple around 1998. Everyone has a Jack Maple story. He's probably the most important character in Back from the Brink.Jack Maple comes in, no one really knows who he is, no one respects him because he was just a lieutenant in Transit. He goes around and asks a basic question — this is 1994 — he says, “How many people were shot in New York City in 1993?” And nobody knows. That is the state of crime-fighting in New York City before this era. There might have been 7,000 people shot in New York City in 1990 and we just don't know, even to this day.One citation from your book: in 1993, an average of 16 people were shot every day. Which is just remarkable.And remember, shootings have been declining for two or three years before that! But nobody knew, because they weren't keeping track of shootings, because it's not one of the FBI Uniform Crime Report [which tracks crime data nationally] index crimes. But wouldn't you be curious? It took Jack Maple to be curious, so he made people count, and it was findable, but you had to go through every aggravated assault and see if a gun was involved. You had to go through every murder from the previous year and see if it was a shooting. He did this. So we only have shooting data in New York City going back to 1993. It's just a simple process of caring.The super-short version of Back from the Brink is it was a change in mission statement: “We're going to care about crime.” Because they hadn't before. They cared about corruption, racial unrest, brutality, and scandal. They cared about the clearance rate for robbery a bit. You were supposed to make three arrests for every ten robberies. It didn't matter so much that you were stopping a pattern or arresting the right person, as long as you had three arrests for every ten reported crimes, that was fine.This is a story about people who cared. They're from this city — Bratton wasn't, but most of the rest are. They understood the trauma of violence and the fact that people with families were afraid to go outside, and nobody in the power structure seemed to care. So they made the NYPD care about this. Suddenly, the mid-level police executives, the precinct commanders, had to care. and the meetings weren't about keeping overtime down, instead they were about ”What are you doing to stop this shooting?”Tell listeners a little bit more about Jack Maple, because he's a remarkable character, and folks may not know what a kook he was.I think he was a little less kooky than he liked to present. His public persona was wearing a snazzy cat and spats and dressing like a fictional cartoon detective from his own mind, but he's a working-class guy from Queens who becomes a transit cop.When Bratton takes over, he writes a letter up the chain of command saying this is what we should do. Bratton read it and said, “This guy is smart.” Listening to 80 hours of Jack Maple, everyone correctly says he was a smart guy, but he had a very working-class demeanor and took to the elite lifestyle. He loved hanging out and getting fancy drinks at the Plaza Hotel. He was the idea man of the NYPD. Everyone has a Jack Maple imitation. “You're talking to the Jackster,” he'd say. He had smart people working under him who were supportive of this. But it was very much trying to figure out as they went along, because the city doesn't stop nor does it sleep.He was a bulls***er, but he's the one who came up with the basic outline of the strategy of crime reduction in New York City. He famously wrote it on a napkin at Elaine's, and it said, “First, we need to gather accurate and timely intelligence.” And that was, in essence, CompStat. “Then, we need to deploy our cops to where they need to be.” That was a big thing. He found out that cops weren't working: specialized units weren't working weekends and nights when the actual crime was happening. They had their excuses, but basically they wanted a cushy schedule. He changed that. Then, of course, you have to figure out what you're doing, what the effective tactics are. Then, constant follow up and assessment.You can't give up. You can't say “Problem solved.” A lot of people say it wasn't so much if your plan didn't work, you just needed a Plan B. It was the idea that throwing your hands in the air and saying, “What are you going to do?” that became notoriously unacceptable under Chief Anemone's stern demeanor at CompStat. These were not pleasant meetings. Those are the meetings that both propagated policies that work and held officers accountable. There was some humiliation going on, so CompStat was feared.Lots of folks hear CompStat and think about better tracking of crime locations and incidents. But as you flesh out, the meat on the bones of CompStat was this relentless follow-up. You'd have these weekly meetings early in the morning with all the precinct heads. There were relentless asks from the bosses, “What's going on in your district or in your precinct? Can you explain why this is happening? What are you doing to get these numbers down?” And follow-ups the following week or month. It was constant.CompStat is often thought of as high-tech computer stuff. It wasn't. There was nothing that couldn't have been done with old overhead projectors. It's just that no one had done it before. Billy Gorta says it's a glorified accountability system at a time when nobody knew anything about computers. Everyone now has access to crime maps on a computer. It was about actually gathering accurate, timely data.Bratton was very concerned that these numbers had to be right. It was getting everyone in the same room and saying, “This is what our focus is going to be now.” And getting people to care about crime victims, especially when those crime victims might be unsympathetic because of their demeanor, criminal activity, or a long arrest record. “We're going to care about every shooting, we're going to care about every murder.”Part of it was cracking down on illegal guns. There were hundreds of tactics. The federal prosecutors also played a key role. It was getting this cooperation. Once it started working and Giuliani made it a major part of claiming success as mayor, suddenly everyone wanted to be part of this, and you had other city agencies trying to figure it out. So it was a very positive feedback loop, once it was seen as a success.When Bratton came on the job, he said, “I'm going to bring down crime 15%.” No police commissioner had ever said that before. In the history of policing before 1994, no police commissioner ever promised a double-digit reduction in crime or even talked about it. People said “That's crazy.” It was done, and then year after year. That's the type of confidence that they had. They were surprised it worked as well as it did, but they all had the sense that there's a new captain on this ship, and we're trying new things. It was an age of ideas and experiment.And it was a very short time.That's the other thing that surprised me. Giuliani fired Bratton in the middle of ‘96.It's remarkable. Bratton comes in ‘94, and August 1994 is where you see crime drop off a cliff. You have this massive beginning of the reduction that continues.That inflection point is important for historical knowledge. I don't address alternatives that other people have proposed [to explain the fall in crime] — For example, the reduction in lead [in gasoline, paint, and water pipes] or legalized abortion with Roe v. Wade [proposed by Stephen Dubner].Reasonable people can differ. Back from the Brink focuses on the police part of the equation. Today, almost nobody, except for a few academics, says that police had nothing to do with the crime drop. That August inflection is key, because there is nothing in a lagged time analysis going back 20 years that is going to say that is the magic month where things happened. Yet if you look at what happened in CompStat, that's the month they started getting individual officer data, and noticing that most cops made zero arrests, and said, “Let's get them in the game as well.” And that seemed to be the key; that's when crime fell off the table. The meetings started in April, I believe, but August is really when the massive crime drop began.To your point about the confidence that crime could be driven down double digits year over year, there's a great quote you have from Jack Maple, where he says to a fellow cop, “This is going to be like shooting fish in a barrel. As long as we have absolute control, we can absolutely drive this number into the floor.”One detail I enjoyed was that Jack Maple, when he was a transit cop, would camp out under a big refrigerator box with little holes cut out for eyes and sit on the subway platform waiting for crooks.For people who are interested in Jack Maple, it is worth reading his autobiography, Crime Fighter. Mike Daly wrote New York's Finest, which uses the same tapes that I had access to, and he is much more focused on that. He's actually the godfather of Jack Maple's son, who is currently a New York City police officer. But Maple and co were confident, and it turned out they were right.As well as having changes in tactics and approach and accountability across the NYPD, you also have a series of specific location cleanups. You have a specific initiative focused on the Port Authority, which is a cesspool at the time, an initiative in Times Square, the Bryant Park cleanup, and then Giuliani also focuses on organized crime on the Fulton Fish Market, and this open-air market in Harlem.I was struck that there was both this general accountability push in the NYPD through CompStat, and a relentless focus on cleaning up individual places that were hubs of disorder.I'm not certain the crime drop would have happened without reclamation of public spaces and business improvement districts. Bryant Park's a fascinating story because Dan Biederman, who heads the Corporation, said, “People just thought it was like a lost cause, this park can't be saved. The city is in a spiral of decline.” He uses Jane Jacobs' “eyes on the street” theory and then George Kelling and James Q. Wilson's broken windows theory. The park has money — not city money, but from local property owners — and it reopens in 1991 to great acclaim and is still a fabulous place to be. It showed for the first time that public space was worth saving and could be saved. New York City at the time needed that lesson. It's interesting that today, Bryant Park has no permanent police presence and less crime. Back in the ‘80s, Bryant Park had an active police presence and a lot more crime.The first class I ever taught when I started at John Jay College in 2004, I was talking about broken windows. A student in the class named Jeff Marshall, who is in my book, told me about Operation Alternatives at the Port Authority. He had been a Port Authority police officer at the time, and I had not heard of this. People are just unaware of this part of history. It very much has lessons for today, because in policing often there's nothing new under the sun. It's just repackaged, dusted off, and done again. The issue was, how do we make the Port Authority safe for passengers? How do we both help and get rid of people living in the bus terminal? It's a semi-public space, so it makes it difficult. There was a social services element about it, that was Operational Alternatives. A lot of people took advantage of that and got help. But the flip side was, you don't have to take services, but you can't stay here.I interviewed the manager of the bus terminal. He was so proud of what he did. He's a bureaucrat, a high-ranking one, but a port authority manager. He came from the George Washington Bridge, which he loved. And he wonders, what the hell am I going to do with this bus terminal? But the Port Authority cared, because they're a huge organization and that's the only thing with their name on it — They also control JFK Airport and bridges and tunnels and all the airports, but people call the bus terminal Port Authority.They gave him almost unlimited money and power and said, “Fix it please, do what you've got to do,” and he did. It was environmental design, giving police overtime so they'd be part of this, a big part of it was having a social service element so it wasn't just kicking people out with nowhere to go.Some of it was also setting up rules. This also helped Bratton in the subway, because this happened at the same time. The court ruled that you can enforce certain rules in the semi-public spaces. It was not clear until this moment whether it was constitutional or not. To be specific, you have a constitutional right to beg on the street, but you do not have a constitutional right to beg on the subway. That came down to a court decision. Had that not happened, I don't know if in the long run the crime drop would have happened.That court decision comes down to the specific point that it's not a free-speech right on the subway to panhandle, because people can't leave, because you've got them trapped in that space.You can't cross the street to get away from it. But it also recognized that it wasn't pure begging, that there was a gray area between aggressive begging and extortion and robbery.You note that in the early 1990s, one-third of subway commuters said they consciously avoided certain stations because of safety, and two thirds felt coerced to give money by aggressive panhandling.The folks in your book talk a lot about the 80/20 rule applying all over the place. That something like 20% of the people you catch are committing 80% of the crimes.There's a similar dynamic that you talk about on the subways, both in the book and in your commentary over the past couple years about disorder in New York. You say approximately 2,000 people with serious mental illness are at risk for street homelessness, and these people cycle through the cities, streets, subways, jails, and hospitals.What lessons from the ‘90s can be applied today for both helping those people and stopping them being a threat to others?Before the ‘80s and Reagan budget cuts there had been a psychiatric system that could help people. That largely got defunded. [Deinstitutionalization began in New York State earlier, in the 1960s.] We did not solve the problem of mental health or homelessness in the ‘90s, but we solved the problem of behavior. George Kelling [of broken windows theory] emphasized this repeatedly, and people would ignore it. We are not criminalizing homelessness or poverty. We're focusing on behavior that we are trying to change. People who willfully ignore that distinction almost assume that poor people are naturally disorderly or criminal, or that all homeless people are twitching and threatening other people. Even people with mental illness can behave in a public space.Times have changed a bit. I think there are different drugs now that make things arguably a bit worse. I am not a mental health expert, but we do need more involuntary commitment, not just for our sake, but for theirs, people who need help. I pass people daily, often the same person, basically decomposing on a subway stop in the cold. They are offered help by social services, and they say no. They should not be allowed to make that choice because they're literally dying on the street in front of us. Basic humanity demands that we be a little more aggressive in forcing people who are not making rational decisions, because now you have to be an imminent threat to yourself or others. That standard does need to change. But there also need to be mental health beds available for people in this condition.I don't know what the solution is to homelessness or mental health. But I do know the solution to public disorder on the subway and that's, regardless of your mental state or housing status, enforcing legal, constitutional rules, policing behavior. It does not involve locking everybody up. It involves drawing the line between acceptable and unacceptable behavior. It's amazing how much people will comply with those rules.That presents the idea that someone's in charge, it's not a free-for-all. You get that virtuous loop, which New York had achieved in 2014–2016, when crime was at an all-time low in the city. Then the politicians decided public order wasn't worth preserving anymore. These are political choices.I had a similar version of this conversation with a friend who was shocked that there were zero murders on the subway in 2017 and that that number was stable: you had one or two a year for several years in the mid-2010s.It was five or fewer a year from 1997 to 2019, and often one or two. Then you have zero in 2017. There were [ten in 2022]. It coincides perfectly with an order from [Mayor] de Blasio's office and the homeless czar [Director of Homeless Services Steven] Banks [which] told police to stop enforcing subway rules against loitering. The subways became — once again — a de facto homeless shelter. Getting rule-violating homeless people out of the subway in the late ‘80s was such a difficult and major accomplishment at the time, and to be fair it's not as bad as it was.The alternative was that homeless outreach was supposed to offer people services. When they decline, which 95% of people do, you're to leave them be. I would argue again, I don't think that's a more humane stance to take. But it's not just about them, it's about subway riders.There's one story that I think was relevant for you to tell. You were attacked this fall on a subway platform by a guy threatening to kill you. It turns out he's had a number of run-ins with the criminal justice system. Can you tell us where that guy is now?I believe he's in prison now. The only reason I know who it is is because I said, one day I'm going to see his picture in the New York Post because he's going to hurt somebody. Am I 100 percent certain it's Michael Blount who attacked me? No, but I'm willing to call him out by name because I believe it is. He was out of prison for raping a child, and he slashed his ex-girlfriend and pushed her on the subway tracks. And then was on the lam for a while. I look at him and the shape of his face, his height, age, build, complexion, and I go, that's got to be him.I wasn't hurt, but he gave me a sucker punch trying to knock me out and then chased me a bit threatening to kill me, and I believe he wanted to. It's the only time I ever was confronted by a person who I really believe wanted to kill me, and this includes policing in the Eastern District in Baltimore. It was an attempted misdemeanor assault in the long run. But I knew it wasn't about me. It was him. I assume he's going to stay in prison longer for what he did to his ex-girlfriend. But I never thought it would happen to me. I was lucky the punch didn't connect.Peter Moskos's new book is Back from the Brink, Inside the NYPD and New York City's Extraordinary 1990s Crime Drop.My reading listEssays:Johnny Hirschauer's reporting, including “A Failed 'Solution' to 'America's Mental Health Crisis',“ “Return to the Roots,” and “The Last Institutions.” “Broken Windows: The Police and Neighborhood Safety,” by George L. Kelling and James Q. Wilson. “It's Time to Talk About America's Disorder Problem,” Charles Lehman.Books:Ghettoside: A True Story of Murder in America, Jill Leovy.Prince of the City: Giuliani, New York, and the Genius of American Life, Fred Siegel. Cop in the Hood: My Year Policing Baltimore's Eastern District, Peter Moskos.Dreamland: The True Tale of America's Opiate Epidemic, Sam Quinones.Bonfire of the Vanities, Tom Wolfe. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit www.statecraft.pub
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#thewheeloftime All roads have led to Falme. Nynaeve and Elayne attempt to rescue Egwene. Mat is tempted by an old friend. The Children of the Light invade the Seanchan and the Battle of Falme begins. Perrin's fight leads to the loss of a friend. Moiraine and Lan make amends. Ishamael moves to Plan B when he realizes he's been betrayed. Egwene makes good on a promise. Rand confronts his past. Ishamael gets what he has always wanted. "Above the Watchers shall the Dragon be proclaimed, bannered cross the sky in fire."
How is the pharmaceutical industry evolving to meet the world's biggest health challenges? In this episode, Nicolai Tangen sits down with Emma Walmsley, CEO of GSK, for an insightful conversation about the future of pharmaceuticals. They discuss GSK's latest advances in cancer treatments, HIV therapies, and respiratory medicine, as well as the role of AI in speeding up drug discovery. Emma also shares her thoughts on navigating change, transforming company culture, and the role of curiosity in staying motivated. Tune in!In Good Company is hosted by Nicolai Tangen, CEO of Norges Bank Investment Management. New full episodes every Wednesday, and don't miss our Highlight episodes every Friday.The production team for this episode includes Isabelle Karlsson and PLAN-B's Niklas Figenschau Johansen, Sebastian Langvik-Hansen and Pål Huuse. Background research was conducted by Isabelle Karlsson.Watch the episode on YouTube: Norges Bank Investment Management - YouTubeWant to learn more about the fund? The fund | Norges Bank Investment Management (nbim.no)Follow Nicolai Tangen on LinkedIn: Nicolai Tangen | LinkedInFollow NBIM on LinkedIn: Norges Bank Investment Management: Administrator for bedriftsside | LinkedInFollow NBIM on Instagram: Explore Norges Bank Investment Management on Instagram Hosted on Acast. See acast.com/privacy for more information.
You will never have true success while straddling a fence. You must choose a side and jump. Plan B is only a distraction for plan A!
#sangerman #puerto rico #noticias La comunidad Interamericana de San German denunció que el alcalde penepé de ese municipio, Virgilio Olivera, no renovó contrato de uso de escuela abandonada a comunidad porque están en contra del mega proyecto Esencia en Cabo Rojo. | El alegado alivio de la factura de energía eléctrica y la necesidad de fuentes externas para estabilizar las finanzas de la AEE y rehabilitar el sistema de energía. | Gobernadora no quiso hacer Plan B y ya llegó el Cuco de la perdida de fondos federales. ¡Conéctate, comenta y comparte! #periodismodigital #periodismoindependiente #periodismoinvestigativo
Makone Maja and Nicholas Lorimer discuss the latest in budget negotiations and falling CEO confidence in South Africa. Website · Facebook · Instagram · Twitter
Où en est Victor Wembanyama? Un peu plus d'un mois après l'annonce de sa fin de saison NBA à cause d'une thrombose veineuse à l'épaule droite, rien n'a fuité sur l'évolution de l'état de santé du phénomène tricolore. Seule certitude, comme confirmé par le sélectionneur des Bleus Frédéric Fauthoux en marge du tirage au sort de l'Eurobasket 2025: l'intérieur des San Antonio est passé sur la table d'opération "Je l'ai eu avant son opération. Il est motivé pour faire partie de l'équipe, comme il l'a toujours souhaité et dit quand on lui a posé la question". En cas d'absence de la star française quel doit être le plan B de l'Equipe de France ?
Keith shares some historical perspective on inflation highlighting the cost of a Taco Bell meal in 1999 to its cost today. He also touches on the concept of service inflation, where services like mail delivery and self-checkout at grocery stores have become less convenient but not cheaper. Keith reviews the historical performance of real estate during the last eight recessions, noting that housing prices usually rise during recessions. He explains the concept of the Inflation Triple Crown: asset price inflation, debt debasement, and cash flow enhancement. Housing prices usually rise during recessions, as demonstrated by historical data. Resources: To learn more about the Inflation Triple Crown go to: getricheducation.com/itc. Show Notes: GetRichEducation.com/547 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching:GREmarketplace.com/Coach Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review” For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Automatically Transcribed With Otter.ai Keith Weinhold 0:01 Welcome to GRE. I'm your host. Keith Weinhold, is higher inflation or even hyper inflation now in our future, and is an imminent recession, or even worse, a depression lurking. What's it all mean for your investments and your real estate? We'll investigate exactly what happens to real estate during recessions, historically today, on get rich education, since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold rights for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com Corey Coates 1:19 You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education. Keith Weinhold 1:35 Welcome to GRE from Hartsdale, New York to Springdale, Utah and across 488 nations worldwide. I'm Keith Weinhold. I think you know that by now, you are inside one of America's longest running and most listened to real estate investing shows. This is get rich education. Most people have two plans. Plan a get rich. If that doesn't work out, the alternative is Plan B, which is hate rich people. We are firmly rooted in plan a for you here. So yes, we're about building your wealth, but ultimately we are a lifestyle improvement show. I'm going to get to high inflation and the potential for a recession or depression in just a minute. But I recently got a reminder on the fragility of life and its finite nature. My oldest friend recently died. He was almost like a mentor to me, a friend of mine's grandmother recently died, shattering her world, and it's a reminder that you won't be remembered for the money that you make. You won't even be remembered the real estate portfolio that you build. I mean, that surely won't last. The tennis that you serve, they'll die as well. I will be forgotten. This show will be forgotten. The people that love you, their opinions will die with them. Your Haters, their opinions will die with them. You can confirm that this is true right now by naming your eight great grandparents for me, there. Go ahead. You can't do it. I can't either. So what can you do, at least in this finite life that you have on earth? What you can do is enjoy your existence. The good news is, because you can control this, you can control enjoying your life and existence as get rich education is ultimately a lifestyle improvement show, and we are squarely helping you do that right here. And one way that I've done that over the years is by pointing out how inflation is actually advantageous to real estate investors. Well, it impoverishes most people. You're initiated on that by now. That's something that you really found out tangibly back during the pandemic. Now today, though, wow, people are frightened. I've got some contemporaneous material to share with you today, but I'll give you some lessons so that even if you're listening to this 10 years from now, you're going to learn some lessons. Americans inflation expectations for the next five years. They just hit the highest level since 1993 Yeah, expecting a lot of inflation, tariff pressures are a huge concern now. Last week, inside our newsletter, I sent you something that gave you some perspective on inflation. I sent you a photo of a Taco Bell receipt from 1999that might have left your mouth agape if you didn't see it. I'll tell you about it here and expand on this. And yes, it could leave you aghast, stupefied, gobsmacked, or even flabbergasted. In a sense, 1999 was not that long ago. It's sure not like ancient history. I mean, I was alive then, yes, I am here, and I'm from the 1900s. Well, this 1999 Taco Bell receipt that someone found perfectly preserved in the pages of a book. It shows a complete meal that was purchased for $3.50 it was actually just $3.26 and then the rest was tax added in. That's 350 for a chili cheese burrito, a taco nachos and a 16 ounce Pepsi. That's not the price for each item. That is the combined total from 1999 All right, how much do you think those same items would cost today? I don't eat there. I went to the Taco Bell website and found out. I mean, what an inflation measuring stick. This is what cost, 350 A Taco Bell in 1999 costs $11.44 today I use the same sales tax rate to come up with that. So today it's 1144 and today they also ask you a question a Taco Bell, if you want to round up for the kids or something like that, and then just watch, pretty soon, they're gonna request a tip too. That's a 327% price increase, and few people's wages have risen that much since 1999See, I told you that you would be left slack job and flabbergasted. All right, so let's look at where we are today. Now it's not an apples to apples comparison, but you know, Taco Bell is a fast food restaurant. Let's look at the price of a consumer item at a sports stadium today. All right, because both are places that everyday Americans frequent college basketball's March Madness tournaments have been taking place the last few weeks. Well, for the first time ever, the SEC is selling beer at its tournament. The price for one large premium draft beer is $17.50 so before tax or tip, 1750 for one beer all in that might be $20 or more, and I doubt that the beer is really that premium. I mean, you know what kind of beer you get at stadiums. So we look at inflation, one beer today is at least five times the cost of a complete Taco Bell meal in 1999 that's price inflation, and that's the stuff that's highly perceptible. Okay, you've been seeing that effect all of your life. It's making most people poorer. It's making real estate investors wealthier. And then there's the inflation that few people consider the less perceptible stuff, service inflation. And what are some examples of service inflation growing up the postal service delivered mail right to my parents porch, and they still do deliver mail right to my parents porch. Their neighborhood was built more than 100 years ago, but look, when new neighborhoods are built today, like places I've lived and perhaps where you live now, the postal service doesn't deliver your mail right to the individual mailbox on your porch. Today, you've got to walk both ways to your neighborhood's mailbox cluster. Some people even have to drive to get their mail. So your mail is no longer being delivered. Really, you have to go pick it up. Well, they don't lower the price for that reduced service level. That's service inflation. A second example is more obvious, grocery self checkout. You're taking the time and doing the work of scanning your groceries, but yet, they sure aren't lowering the prices of your lettuce and your beef jerky. And look service, inflation is here to stay. That is because companies make investments in it. The Postal Service bought those mailbox clusters, the supermarket bought those self checkout kiosks. All right, so with this ramp and price inflation and service inflation, along with it, and the other forms of inflation that I've talked about on the show before, like stagflation, tip inflation and Shrink flation and skimpflation. What is an individual investor like you supposed to do? Well, stock and mutual fund investors get killed by inflation. I mean, think about it this way, just killed if the Sp5, 100 gains 10% but there's 5% inflation. That's a 50% hidden tax on your gain, plus you might pay capital gains tax. On top of that, savers really get obliterated. I mean, just destroyed if your bond yield or your savings account pays 4% interest, and there's 5% inflation. That is a 125% hidden tax on your gain, and then you might pay regular tax on top of that. So stocks and mutual funds and savings accounts are not the answer. What is the answer? Real Estate and borrowing the opposite of saving. And let me address now, whenever people get fearful that another wave of inflation is coming, whether that's tariff induced or otherwise, let's not get carried away and think that Hyperinflation is right around the corner, although definitions of hyperinflation vary, the most accepted one by economists is a 50% inflation rate per month, not annually, per month. So that would be over 600% a year, with compounding. I mean, that would be really hard to get, but what we do know is that inflation is still elevated above the Fed's 2% target. It's 2.8% today. And what we do know is that more inflation is coming at what rate nobody knows. These facts almost necessitate that you have either got to start your own business, which is tough, or become a real estate investor which is easier, in order to escape this and acquire some lasting wealth. Any devoted listener here knows that the formula for beating it is luckily, not highly sophisticated, not esoteric, not anything that you need a degree or certification for, just own income properties with loans, and that's when inflation produces three profit centers. As we know that is something that I coined as the inflation triple crown. So if you're new, you're learning something. If you've been around here for a while, here's a little comprehension test for you. What are the three crowns in the inflation Triple Crown, you win with asset price inflation, debt debasement and cash flow enhancement. Asset price inflation benefits you because you have leverage gains debt debasement passively lightens our debt burden for us, and then cash flow enhancement, that boosts our cash flow above the inflation rate, because our principal and interest payment stays fixed. And you can learn more about that totally free. You don't even have to leave your email address or anything. You can watch the three videos of the inflation Triple Crown at get rich education.com/itc. For inflation, Triple Crown, it's just good free learning for you there I've made available at get rich education.com/itc, it is a foundational financial education. Is a recession or even a depression eminent, that's straight ahead. I'm Keith Weinhold. You're listening to get rich education. You know what's crazy? Your bank is getting rich off of you, the average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family to 66866, to learn about freedom. Family investments. Liquidity fund again. Text family, to 66866 hey, you can get your mortgage loans at the same place where I get mine at Ridge lending group NMLS, 42056, they provided our listeners with more loans than any provider in the entire nation because they specialize in income properties, they help you build a long term plan for growing your real estate empire with leverage. You can start your pre qualification and chat with President Chaley Ridge personally. Start Now while it's on your mind at Ridge lendinggroup.com that's Ridge lendinggroup.com you Dani-Lynn Robison 15:45 This is freedom. Family investments. Co founder, Danny Lynn Robinson, listen to get rich education with Keith Weinhold, and don't quit your Daydream. Keith Weinhold 16:00 Welcome back to get rich Education. I'm your host. Keith Wynne Holland, you are inside episode 547. I'll tell you, being a landlord or real estate investor can really change you now. I was using the stair climber at the gym just before talking to you today, I like to set up a big fan down on the floor to keep me cool before running or climbing. Plug it in, set up a fan. When I'm done, I turn off the fan. It's just a habit. I don't pay the electricity bill at my gym, but it's just the way that I would want to be treated. But you know what? When I find a fan that's already set up before I grab it and start on the treadmill. That fan is always running when no one is using it. No one turns off their fans when they don't have to pay for the electricity. And this reminds me of when I owned apartment buildings in Anchorage, Alaska, and tenants kept their windows open, even during the frigid winter, so that they could get fresh air. Yeah, you can guess who was paying the heating bill. It wasn't the tenant. It was me. The larger the apartment building is, the more likely that the owner is the one that pays for more of the utilities. And of course, in that case, you can look into utility sub metering. That process can be costly, but it might be worth it. It can increase your cash flow and your net operating income, which, when it increases your net operating income, that means that it also increases the apartment buildings value. And you know, in real estate today, you've got to look for where the opportunities are. There are opportunities in every market today. For places where there are specifically good opportunities are apartment buildings where their values have fallen 20 to 30% in some markets, it's wise to invest in beaten down sectors that you just know are going to come back like you know, the demand for apartment buildings is going to be there long term. This doesn't mean that you want to invest in any beaten down sector, like Office real estate in general. I don't see how that's coming back. A second strong real estate opportunity today is to find over built pockets, especially ones that exist in Texas and Florida. I mean, this is why they call them buyers markets. A Texas or Florida seller might make you a deal, and that doesn't mean everywhere in these states. For example, Southwest Florida is one area that's specifically over built, even amidst the national landscape that's under built. A third and a fourth area of specific real estate opportunity today are two that I have mentioned before, but they persist. That is still brand new, properties where many builders are still motivated to buy down your mortgage rate to about 5% even 4.75% in some cases, and new builds have low insurance premiums too. And then a fourth opportunity. That's something that we've covered a good bit here these past few weeks. BRRRR, real estate investing, buy, rehab, rent, refinance and repeat. That's a specifically good strategy if you don't have, say, hundreds of 1000s of dollars in liquidity to invest. Now you might ask, do those four strategies have validity? Do they have cogency in today's market, where there are these fears of an economic slowdown. Oh, yes, they do, or I would not have gone over them, but these palpable recession Fears are growing, and some are even asking, is a new Great Depression eminent? There is tons of bad economic news right now, not just in the US, but the global economy is on the edge, starting earlier this month, stock market tremors have turned into full blown convulsions. Trillions of dollars in wealth have just vaporized, wiped out. Investors are rattled, consumers are anxious. Business owners are confused, and those in power in the administration, they insist that tariffs and policy swings are all just part of a transition period, but a transition to what some have even asked, Is the everything bubble finally about to pop. Is this the brink of a recession or something even deeper, a D pressure? Well, one thing is undeniable, from stocks to crypto asset prices recently made a free fall, and I've got some long term lessons for you today, even if you're listening to this years from now, including what a phenomenon like this historically means for the real estate market, it's about what really happens to property values during an economic recession. Stocks recently had their worst week since 2023 barreling toward an all out bear market crash. A bear market means when 20% of the value has been lost from a recent high. Even Bitcoin, the poster child of speculative excess, has cratered. The carnage has been everywhere. But yet, instead of taking steps to prevent an economic meltdown, the administration in power, whether you like them or not, they have introduced more and more radical policies that could accelerate the crisis. Now, some of the tariffs could help long term, but the short term pain is perceptible, and you've got to be able to survive it. We've got new tariffs on multiple countries, and these are our biggest trading partners, even if these import taxes diminish, this is already strained friendships long term, especially with Canada. These countries keep retaliating with tariffs of their own, Canada, Mexico, China and the EU government spending is being slashed. Mass layoffs of federal employees have been underway for a while now. This is not just an economic experiment. I mean, this is a high stakes gamble with global consequences. So is this a detox period, or is it an economic freefall? Treasury Secretary Scott tebescent described this economic shift as a necessary detox period. That's the phrase that he used, and yes, I need to acknowledge there is no more grandma Yellen running the Treasury for long time, listeners, that is a reference to the long running joke about how my late grandmother resembled former Fed chief and former Treasury Secretary, Janet Yellen, but anyway, according to Besant, the US must break free from what he calls its addiction to government spending in return to private sector growth. Now, hey to me, that sounds good. Actually, that sounds like a good plan for the long term. But here's the problem, that addiction has been the lifeblood of the US economy for decades. And you know, this is something that regular GRE guest macroeconomist Richard Duncan has talked about when he's here. Remember what he's told us for over a decade here on the show, if the US doesn't have 2% real credit growth, credit expansion, well then we go into a recession. Well, what happens when the government cuts spending during soaring consumer prices due to trade wars? What happens when businesses hesitate to invest in the face of extreme uncertainty? Well, the bad news is that tariff whiplash and massive layoffs mean that businesses can't plan, and when businesses can't plan, they freeze. Look, just the other day, I talked to the President of a manufacturing company they make stainless steel tube valves and fittings. Due to all the tariff uncertainty, he's had to set up a reserve account based on what happens next, all right. Well, with that reserve account, that means that that's not money that's going into equipment reinvestment, that's not money that's going into making new hires. What happens when more confidence shatters and markets spiral lower? We may be about to find out. So has the recession, which is a precursor to any depression, already begun? Well, the warning signs are multiplying. Most ominously at last check, the respected Atlanta Fed tracker is now forecasting a more than 2% contraction in US GDP this quarter. That is quite a drawdown and two negative GDP quarters in a row. I mean, that is the definition of what a technical recession is. And here's a quick history piece for you in 1930 to try to quell the effects of the Great Depression, tariffs were passed. Alright. Do you know how badly that turned out back then in 1930 it was called the Smoot Holly Tariff Act. It raised tariffs to try to collect more revenue for the government. It didn't work, and the US sunk deeper into the Great Depression, with rampant unemployment and poverty and social unrest. There was a rise in crime, there were bank failures, even hunger and malnutrition. That's what a depression looks like, right there. Well, back to today. Right now, consumer confidence is collapsing. Retail Sales are plunging. The bond market is signaling distress, and yet those in power appear kind of oblivious to the magnitude of the risk. So what if it's not a transition and it is a start of something far worse? And see, this is just part of what's made investors raise their bets on a recession. Stocks are down like a global trade war has begun. Crypto has fallen like risk appetite has collapsed. Bond prices are rising like inflation is declining, and experts have priced in a 52% chance of a recession in the next 12 months. Okay, 52 that's like flipping a coin and just hoping that it lands on good news. Now in the real estate world, when we talk about direct threats from tariffs, as I've touched on before, the biggest direct threats are tariffs on lumber and on gypsum board. The lumber is used in house framing and trusses. Gypsum board, that just means drywall, the base case for tariffs on Canadian lumber alone, that adds about $10,000 to the cost of a new build typical single family home, which in turn jacks up all existing housing prices and their replacement cost. But let's look beyond that now at market factors. How is real estate adversely affected if the economy slows? Though historically. Let's look at how recessions really affect housing prices, and this is, again, as I like to say, where we take history over hunches. It's easy to have a hunch about what you think is going to happen, but let's look at what has really happened. How do real estate prices perform during recessions. When we look at the last eight recessions, okay? And the most current of those was in 2020, and then when we go back eight recessions ago, that is the 1960s Okay. Well, let me move along in chronological order here, during those eight recessions, starting in the 1960s leading up to today, housing prices, and this includes single family homes up to multifamily apartment buildings, they were just rounding to the nearest whole number here, up 5% there in The late 60s, in that recession, and then up 18% up 14% in the next recession, and then no change, down 1% and then up 6% and then down 13% that was during the 18 month recession, around 2008 and then finally, home prices were up 8% in the latest recession, alright. So in our total of eight recessions since the 1960s home prices only fell significantly one time, and they usually rise that one timethey fell. Let's explore that. That was during the 2008 global financial crisis, which involved more than just the recession. It was a deep recession, that's why it's called the Great Recession, but it also involved more than that. 2008 was special because that was a time of housing oversupply and low homeowner equity positions and a complete mortgage meltdown backed by flimsy liar loans. Well today we are in the opposite of all three of those conditions. We have a housing under supply. Americans have a record 300k plus in protective equity that they are not going to walk away from. And more. Underwriting is stringent, the opposite of a liar loan. So housing prices usually rise in recessions, and if we're teetering on the brink of a recession, there are a lot of reasons to think that housing prices will go up yet again. And by the way, I felt what was happening back in 2008 I invested through it. I think I let you know before that, that's when I owned two four Plex buildings, 2008 but it didn't feel that bad to me, because my properties were temporarily suppressed in value, and that part didn't feel good, but my rents and rental demand went up because no banks would give loans to borrowers to buy properties, so I wouldn't want to sell when the buildings were paying me a higher than ever monthly income. But let's not lose the greater point what I'm telling you here that housing only fell significantly one time through the last eight recessions. That demonstrates the resilience of the housing market. And by the way, those stats were sourced by the NAR and the NB er National Bureau of Economic Research. All right, so why is this? Why is housing resilient in the face of a recession? There are a few reasons, but a main one is see, even if and when times get tough, people still need a place to live, and they will pay for it, especially now, when they have record equity, people are motivated to make mortgage payments and make rent payments, or else they are going to be homeless. So tough times when consumers they get less likely to pay for their car loan are less likely to pay for student loans, and when they default on credit card payments, that's when this stuff happens, but people will fight like heck to avoid losing their home. I mean, people will pay for food, shelter and safety. And also, when it comes to recessions, let's not forget how many bad just God, awful, wrong recession calls there were from over the past two to three years. I mean, the so called experts were wrong, wrong, wrong. Today, the economy is actually starting from a good place. And what do I mean here today, consumers still have money to spend, and they probably will. This is huge, because consumer spending is 70% of the economy, but how will they respond when these higher tariff induced prices hit more shelves at Walmart and Target? We'll see unemployment is still so low that it's practically down there doing squats. But you know these numbers, they're always backward looking, so it does only aim to get worse. The labor market is firm. Interest rates have been pretty steady. They've fallen a little. Energy prices are still down. So really, the bottom line with what I've shown you so far is that federal policies have induced economic trauma, and it does increase the chance of recession over the next 12 months. During recessions, housing is a top performer, and interest rates usually fall as well, and specifically interest rates of all types, including the Fed funds rate, mortgage rates, pretty much every interest rate type, they tend to fall in the mid and late stages of a recession. So this is what you can expect based on history, not hunches. But as for a depression, that is super unlikely. We haven't had one in 90 years, and today. I mean, come on, we have seen what the powers that be do. We can see how they respond to crises. They will just print and print and print more dollars to help pave over any problem. And that's not responsible long term, and it creates more inflation, but that's exactly what the government did to pull us out of the Great Recession and to pull us out of the COVID slowdown. We'll review what you've learned today in just a minute, but let me tell you, though you may very well have the majority of your capital smartly invested in real estate, since that's where the long term wealth creation is, those funds are not very liquid. So what about your liquid funds? Like I pointed out early in the show today, amidst higher inflation expectations, inflation really destroys those in the stock market, and it absolutely crushes savers. Savers really get destroyed, because if your bond yield or your savings account pays you 4% interest, and there's 5% inflation, that is a 125% hidden tax on your gain. And if that's the. Damaging enough there might be tax that you have to pay on that gain, which is not really a gain. This whole thing was a big loss. So for some people, including me, what I do is become a lend. Lord, yes, I get a higher yield by lending to others a lend. Lord. I mean, why settle for just a, say, four and a half percent yield on your liquid funds? I mean, that's the level at both the 10 year bond and the savings account yield today, about four and a half percent. I've parked my own liquid funds for a steady 8% yield that I've been getting for years with a long time established real estate company. I make the loan to them, they have paid on time, every time, for that steady 8% return. And see, when you understand that directly investing in real estate pays five ways, and that a 20 to 30% total ROI, therefore is common and even expected. You can understand how they can pay you and me an 8% return on your liquid funds. You can see where the arbitrage is. Just a little insider tip here. It's called Freedom family investments. If you want to learn more, text family to 66 866. Their minimums are pretty low to 25k and you don't have to be accredited. So for steady 8% returns from the same place in the same vehicle where I've been getting my 8% you can just do it right now. What's on your mind? Text the word family to 66866. Let's review what you've learned today, Americans have higher long term inflation expectations than they've had since 1993 a 1999 Taco Bell receipt really brings to light how much inflation you have experienced in your life. Though, higher inflation can come. Hyper inflation is unlikely. Let's not get carried away. The prospects for a recession are 52% in the next 12 months, per a plurality of experts, but a depression is really unlikely. Now you know how real estate performs in recessions and why it holds up so well it even tends to appreciate coming up here on the show are some prominent guests, including the leader of rezzy club. You might know about them. Sometimes I share their great charts in our newsletter. Yes, rezzy Club's Lance Lambert will be with us. Also, Legacy finance expert Laurel Langemeier will be here with us on another upcoming episode. Thanks for being here, but you weren't here for me. You were here for you. I'm Keith Weinhold. Don't quit your Daydream. Dolf Deroos 37:53 Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC exclusively. Keith Weinhold 38:16 You know, whenever you want the best written real estate and finance info. Oh, geez, today's experience limits your free articles access, and it's got paywalls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read. And when you start the letter, you also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text. GRE to 6866 while it's on your mind, take a moment to do it right now. Text, GRE to 6866 The preceding program was brought to you by your home for wealth, building, get rich, education.com.
Journalist turned novelist Sarah Harman joins Zibby to discuss her biting, twisty, utterly delightful thriller, ALL THE OTHER MOTHERS HATE ME, which follows a washed-up girl band star turned reluctant mom detective at the center of a missing child investigation. Sarah talks about her unconventional writing process, the challenges of creating an unlikable yet relatable protagonist, and balancing creative ambition and motherhood. She also talks about the pressures of “Plan B” careers, her experience adapting her book for FX, and the eternal question of what it really means to be a “good mom.”Purchase on Bookshop: https://bit.ly/4cdEUImShare, rate, & review the podcast, and follow Zibby on Instagram @zibbyowens! Now there's more! Subscribe to Moms Don't Have Time to Read Books on Acast+ and get ad-free episodes. https://plus.acast.com/s/moms-dont-have-time-to-read-books. Hosted on Acast. See acast.com/privacy for more information.
Become a Client: https://nomadcapitalist.com/apply/ Get our free Weekly Rundown newsletter and be the first to hear about breaking news and offers:https://nomadcapitalist.com/email Join us for the next Nomad Capitalist Live event: https://nomadcapitalist.com/live/ In this episode, Mr Henderson shares why he's expanding his already diverse passport portfolio by pursuing three new citizenships. He breaks down the personal, strategic, and financial motivations behind each, including access to emerging markets, regional influence, lifestyle flexibility, and smart investing. Whether you're just starting your second citizenship journey or planning your third passport, this video offers unique insights into how global citizens think long-term. Nomad Capitalist helps clients "go where you're treated best." We are the world's most sought-after firm for offshore tax planning, dual citizenship, international diversification, and asset protection. We use legal and ethical strategies and work exclusively with seven- and eight-figure entrepreneurs and investors. We create and execute holistic, multi-jurisdictional Plans that help clients keep more of their wealth, increase their personal freedom, and protect their families and wealth against threats in their home country. No other firm offers clients access to more potential options to relocate to, bank in, or become a citizen of. Because we do not focus only on one or a handful of countries, we can offer unbiased advice where others can't. Become Our Client: https://nomadcapitalist.com/apply/ Our Website: http://www.nomadcapitalist.com/ About Our Company: https://nomadcapitalist.com/about/ Buy Mr. Henderson's Book: https://nomadcapitalist.com/book/ DISCLAIMER: The information in this episode should not be considered tax, financial, investment, or any kind of professional advice. Only a professional diagnosis of your specific situation can determine which strategies are appropriate for your needs. Nomad Capitalist can and does not provide advice unless/until engaged by you.
Jack Thorne is co-author of Netflix drama Adolescence. But this is far from his first rodeo, over a 20 year career, his writing has appeared in many iconic British dramas, from Shameless and This is England '86 to His Dark Materials. He started out as a playwright and hasn't lost his love for theatre, having written West End box office hit, Harry Potter and the Cursed Child. Jack is known in the industry for his compulsive work ethic, political edge and capacity for empathy. Stephen Smith speaks to the people close to Jack, including early collaborator and Oscar-winner Daniel Kaluuya, actor Morven Christie, and Jack's dad, Mike Thorne. Presenter: Stephen Smith Producers: Josephine Casserly and Chloe Scannapieco Editor: Max Deveson Sound: James Beard Production Co-ordinators: Maria Ogundele, Sabine SchereckArchive: Adolescence, Plan B, Netflix This is England ‘86, Warp Films and Film4 Production, Channel 4 Skins, Netflix
#1- Scammed again by a Mexican Timeshare company: Fresh green gringos are perfect targets… #2- Where do Mexican cartels get their drones, AK's and RPG's? Ask Zalensky… #3- DYK that because of a recent explosion in crime, both Peru and Ecuador are under martial law? Bottom line? Be careful when selecting your Plan B destination… #4- What are the chances you'll get stopped at customs with a shitload of Latin American coffee (or arts and crafts)? More “boots on the ground” stories… #5- A word about Latino car clubs and other “guy” hobbies in Latin America: #6- Be sure to pick up my newly updated, "LATIN AMERICAN HEALTHCARE REPORT": the new edition for 2024 (and beyond) is available now, including the latest "Stem Cell Clinic" info and data and my top picks for the best treatment centers for expats and gringos. Just go to www.ExpatPlanB.com #7- Our own Expat Captain Mango has developed a unique one-on-one Crypto consulting and training service (he's been deep into crypto since 2013). To get started, email him at: bewarecaptainmango@gmail.com
We've curated a special 10-minute version of the podcast for those in a hurry. Here you can listen to the full episode: https://podcasts.apple.com/no/podcast/diageo-ceo-shifting-drinking-trends-brand-innovation/id1614211565?i=1000700857139&l=nbAre our drinking habits changing? In this episode, Nicolai Tangen sits down with Debra Crew, CEO of Diageo, to explore the shifting landscape of the spirits industry. They discuss emerging consumer trends, including how Gen Z is embracing “zebra striping”—switching between alcoholic and non-alcoholic drinks while socializing. Debra shares insights into Diageo's world-renowned brands, from Guinness and Johnnie Walker to Smirnoff and Don Julio, and explains how the company stays ahead of trends by closely studying consumer behavior across the globe. The conversation also covers Diageo's cultural evolution from a pursuit of perfection to embracing a "fail fast and learn" mindset.In Good Company is hosted by Nicolai Tangen, CEO of Norges Bank Investment Management. New full episodes every Wednesday, and don't miss our Highlight episodes every Friday.The production team for this episode includes Isabelle Karlsson and PLAN-B's Niklas Figenschau Johansen, Sebastian Langvik-Hansen and Pål Huuse. Background research was conducted by Sara Arnesen.Watch the episode on YouTube: Norges Bank Investment Management - YouTubeWant to learn more about the fund? The fund | Norges Bank Investment Management (nbim.no)Follow Nicolai Tangen on LinkedIn: Nicolai Tangen | LinkedInFollow NBIM on LinkedIn: Norges Bank Investment Management: Administrator for bedriftsside | LinkedInFollow NBIM on Instagram: Explore Norges Bank Investment Management on Instagra Hosted on Acast. See acast.com/privacy for more information.
In this episode of the 24HipHop Podcast, host The Millennial General interviews OTM Tony, an emerging artist in the hip hop scene. They discuss the current state of hip hop, the challenges artists face, and the importance of community support. OTM Tony shares his musical journey, influences, and aspirations, emphasizing the risks and rewards of pursuing a career in music. Support this podcast at — https://redcircle.com/24hiphop6617/donations
If we did a word association game with the words "San Francisco," well, two things that might come up very quickly would be Golden Gate Bridge and earthquakes. Actually, both of those subjects came up a lot when we were in San Francisco for some youth outreaches and to tape some special editions of a youth broadcast. We didn't arrange for a quake while we were there, but we did do a program based on them. And we actually did originate parts of other programs from near the Golden Gate Bridge and even on it. According to some local friends of mine there, and they could just be Californians pulling the leg of an East Coast boy, but they said that the bridge might be one of the safer places to be during an earthquake. No, it's not the one that folded during the last big quake, you might have seen pictures of that. They say one reason the Golden Gate could withstand a quake is this surprising fact - it's built in such a way, that it's flexible. In other words, when the earth under it starts moving, it doesn't just stand there rigid and break. It's built to flex when things are shaking. So, apparently a quake might shake it, but probably not break it. I'm Ron Hutchcraft and I want to have A Word With You today about "Flexible Doesn't Break." The question is how do you react when things start shaking all around you? The answer may be the difference between cracking under the stress and holding together through it. There's a synergy between the plans we make and God's plans that calls for some of that Golden Gate flexibility. Our word for today from the Word of God, Proverbs 16:9 - "In his heart a man plans his course, but the Lord determines his steps." The Bible acknowledges that we will make plans, the question is whether those plans are rigid - if we're rigid about having it our way. That "but" after the part about our plans tells me that God has the right to pre-empt my plan, or delay my plan, or redirect my plan. After all, that's what "Lord" means. Often He leads us toward a certain outcome, only to surprise us with an interruption, or with the realization that He did want us on this road, but for a destination other than the one we expected. But God's idea is always a better idea. What looks like Plan B to me may well have been God's Plan A all along. "But the Lord determines his steps." Notice how James teaches us to make our plans. James 4:15 - "You ought to say, 'If it is the Lord's will, we will live and do this or that.'" See I'm a planner by nature. I work hard on those plans, I pray about those plans. I seek God's direction. But once the plan is set, whether it's for the next few hours or the next few years, I don't like change. But change is built into the system, folks, and those who meet changes with rigidity will eventually crack like an unmoving structure in an earthquake. This recovering "rigidaholic," is that a word?, is slowly but surely learning to enjoy the surprises of God even when they don't appear to be, at least at first, pleasant surprises. And even if it's something Satan has thrown in, my Bible tells me that even that had to be cleared first with my Heavenly Father. If God said it was OK for me, why don't I just try to roll with the quake? For the sooner I embrace His purpose for what's happening, the sooner I'll experience His peace. I should point out that the Golden Gate Bridge, while flexible, is not made out of Play-Doh. It has solid structure and so should your life and your days. This is no excuse for laziness or lack of planning. But it is an encouragement to folks who like control to loosen up a little bit and make room for God to do His very dynamic thing. It's the ones who are flexible that survive the shaking.
Episode 120: The Plan B Chronicles: Divorce, Defiance, Liberation I had Meredith as a guest here on the podcast last June, episode 113 Taylor Swift and the Divine Feminine. We have since gotten to know each other a little better and when I heard that she was promoting her new book, I wanted to support her in spreading the word. In The Plan B Chronicles: Divorce, Defiance, Liberation, psychotherapist Meredith Beardmore delivers a raw and compelling memoir chronicling her journey through betrayal, healing, and self-discovery. After discovering her husband's infidelity, Meredith's life spirals into chaos, challenging everything she thought she knew about love, trust, and personal strength. Drawing from her professional experience in therapy and somatic healing, Beardmore navigates the emotional wreckage while offering readers valuable insights and practical tools for overcoming similar challenges. Through her path of somatic therapy, spiritual awakening, and ultimately reclaiming her personal power, Meredith's memoir is a candid, inspiring account of how the darkest moments in life can lead to profound transformation. This book serves as both a healing guide and a story of empowerment, making it essential reading for modern women questioning their own relationships and seeking a way forward. I was happy to read a copy of her book last weekend- she is a great writer and storyteller and I loved the way she wove it all together… Nevermind the sprinkling in of messages from spirit and divine interventions along the way! Right up my alley! She did a beautiful job of making magic from her hardship and in turn will help loads of others who are on a similar journey. Meredith Beardmore is a licensed psychotherapist, author, and the creator of the YouTube channel Mend with Mere. Her second book, The Plan B Chronicles: Divorce. Defiance. Liberation., is a fierce and funny collection of essays about heartbreak, single motherhood, and rewriting your future when life blows up the blueprint. She's also the author of Hey Addiction, Thanks for Nothing: A Brutally Honest Guide to Loving an Addict Without Losing Your Mind, inspired by her years of supporting families of addicts—both professionally and personally. Meredith holds a master's in Clinical Mental Health Counseling from The Ohio State University and integrates ACT, CBT, mindfulness, and expressive arts into her therapeutic work. Her writing has appeared in The Huffington Post, Buzzfeed, and Colman McCarthy's Teaching Peace. She lives in Columbus, Ohio, with her son, Jules, and their dog, Reese To learn more about me (Karen) and the work that I do, go to rebalancewithreiki.com - if you are local to Northern NJ and you'd like to check out my store front you can visit my page moonmagicwellness.com. For more information about my online course Spiritual Seekers 101 go here. For more info and to book a distance healing session with me go here.
Are our drinking habits changing? In this episode, Nicolai Tangen sits down with Debra Crew, CEO of Diageo, to explore the shifting landscape of the spirits industry. They discuss emerging consumer trends, including how Gen Z is embracing “zebra striping”—switching between alcoholic and non-alcoholic drinks while socializing. Debra shares insights into Diageo's world-renowned brands, from Guinness and Johnnie Walker to Smirnoff and Don Julio, and explains how the company stays ahead of trends by closely studying consumer behavior across the globe. The conversation also covers Diageo's cultural evolution from a pursuit of perfection to embracing a "fail fast and learn" mindset.In Good Company is hosted by Nicolai Tangen, CEO of Norges Bank Investment Management. New full episodes every Wednesday, and don't miss our Highlight episodes every Friday.The production team for this episode includes Isabelle Karlsson and PLAN-B's Niklas Figenschau Johansen, Sebastian Langvik-Hansen and Pål Huuse. Background research was conducted by Sara Arnesen.Watch the episode on YouTube: Norges Bank Investment Management - YouTubeWant to learn more about the fund? The fund | Norges Bank Investment Management (nbim.no)Follow Nicolai Tangen on LinkedIn: Nicolai Tangen | LinkedInFollow NBIM on LinkedIn: Norges Bank Investment Management: Administrator for bedriftsside | LinkedInFollow NBIM on Instagram: Explore Norges Bank Investment Management on Instagram Hosted on Acast. See acast.com/privacy for more information.
Become a Client: https://nomadcapitalist.com/apply/ Get our free Weekly Rundown newsletter and be the first to hear about breaking news and offers:https://nomadcapitalist.com/email Join us for the next Nomad Capitalist Live event: https://nomadcapitalist.com/live/ What happens when the next global crisis hits — and your government locks you down again? In this episode, Mr Henderson reflects on how the world changed after COVID-19 and why most people are still unprepared for the next Black Swan event. Whether it's another pandemic, a geopolitical crisis, or something entirely unexpected, the message is clear: you need a Plan B to protect your personal freedom. Mr Henderson shares his experiences of travelling during lockdowns to strategies for securing second citizenships and residence permits so you can be prepared and protected for what comes next. Nomad Capitalist helps clients "go where you're treated best." We are the world's most sought-after firm for offshore tax planning, dual citizenship, international diversification, and asset protection. We use legal and ethical strategies and work exclusively with seven- and eight-figure entrepreneurs and investors. We create and execute holistic, multi-jurisdictional Plans that help clients keep more of their wealth, increase their personal freedom, and protect their families and wealth against threats in their home country. No other firm offers clients access to more potential options to relocate to, bank in, or become a citizen of. Because we do not focus only on one or a handful of countries, we can offer unbiased advice where others can't. Become Our Client: https://nomadcapitalist.com/apply/ Our Website: http://www.nomadcapitalist.com/ About Our Company: https://nomadcapitalist.com/about/ Buy Mr. Henderson's Book: https://nomadcapitalist.com/book/ DISCLAIMER: The information in this episode should not be considered tax, financial, investment, or any kind of professional advice. Only a professional diagnosis of your specific situation can determine which strategies are appropriate for your needs. Nomad Capitalist can and does not provide advice unless/until engaged by you.
This week, we dive headfirst into the very timely topic of expating. Is it just a fantasy fueled by tough times or is there something deeper driving this urge to GTFO? In this episode, we're exploring the layers of this question. We break down the different flavors of expating, from slow travel hacks that let you vibe abroad for a few months with zero paperwork (hello, Schengen Zone!) to the allure of Digital Nomad Visas for those of us who can work from anywhere with Wi-Fi and a decent latte. We even get into the semi-permanent options and, for the truly committed, buying your way into citizenship.Ultimately, this episode isn't about escapism. It's about options, feasibility, and the very real trade-offs you need to consider when contemplating a life lived beyond your current borders. We discuss:The rise of "Plan B" thinking in the FIRE community and beyondTourist stays and slow travel: Easy ways to get your feet wet abroadDigital Nomad Visas (DNVs): Working remotely from paradise (with a minimum income requirement, naturally)Extended visas and residency pathways: Semi-permanent solutions for a longer stayNaturalization and citizenship: The full commitment, from marriage to ancestry to buying your way inThe "Split Life" Model: Six months here, six months there (the best of both worlds?)The real costs and considerations: Taxes, paperwork, culture shock, currency risks, and that annoying "ideological accent" you didn't even know you had.Our rule of thumb for financial feasibility: Is it really worth it?And if you know someone who's made the leap (or is seriously contemplating it), drop us a comment below! We're always looking for folks to interview for future episodes, especially if they have interesting stories or maybe even went back home after a few years. Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow
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