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Welcome back to the Ultimate Guide to Partnering® Podcast. AI agents are your next customers. Subscribe to our Newsletter: https://theultimatepartner.com/ebook-subscribe/ Check Out UPX:https://theultimatepartner.com/experience/ https://youtu.be/vEdq8rpBM3I In this data-rich keynote, Jay McBain deconstructs the tectonic shifts reshaping the $5.3 trillion global technology industry, arguing that we are entering a new 20-year cycle where traditional direct sales models are obsolete. McBain explains why 96% of the industry is now surrounded by partners and how successful companies must pivot from “flywheels and theory” to a granular strategy focused on the seven specific partners present in every deal. From the explosion of agentic AI and the $163 billion marketplace revolution to the specific mechanics of multiplier economics, this discussion provides a roadmap for navigating the “decade of the ecosystem” where influence, trust, and integration—not just product—determine winners and losers. Key Takeaways Half of today's Fortune 500 companies will likely vanish in the next 20 years due to the shift toward AI and ecosystem-led models. Every B2B deal now involves an average of seven trusted partners who influence the decision before a vendor even knows a deal exists. Microsoft has outpaced AWS growth for 26 consecutive quarters largely because of a superior partner-led geographic strategy. Marketplaces are projected to grow to $163 billion by 2030, with nearly 60% of deals involving partner funding or private offers. The “Multiplier Effect” is the new ROI, where partners can make up to $8.45 for every dollar of vendor product sold. Future dominance relies on five key pillars: Platform, Service Partnerships, Channel Partnerships, Alliances, and Go-to-Market orchestration. If you're ready to lead through change, elevate your business, and achieve extraordinary outcomes through the power of partnership—this is your community. At Ultimate Partner® we want leaders like you to join us in the Ultimate Partner Experience – where transformation begins. Keywords: Jay McBain, Canalys, partner ecosystem, channel chief, agentic AI, marketplace growth, multiplier economics, B2B sales trends, tech industry forecast, service partnerships, strategic alliances, Microsoft vs AWS, distribution transformation, managed services growth, SaaS platforms, customer journey mapping, 28 moments of truth, future of reselling, technology spending 2025, ecosystem orchestration, partner multipliers. T Transcript: Jay McBain WORKFILE FOR TRANSCRIPT [00:00:00] Vince Menzione: Just up from, did you Puerto Rico last night? Puerto Rico, yes. Puerto Rico. He dodged the hurricane. Um, you all know him. Uh, let him introduce himself for those of you who don’t, but just thrilled to have on the stage, again, somebody who knows more about what’s going on in, in the, and has the pulse on this industry probably than just about anybody I know personally. [00:00:21] Vince Menzione: J Jay McBain. Jay, great to see you my friend. Alright, thank you. We have to come all the way. We live, we live uh, about 20 minutes from each other. We have to come all the way to Reston, Virginia to see each other, right? That’s right. Very good. Well, uh, that’s all over to you, sir. Thank you. [00:00:35] Jay McBain: Alright, well thank you so much. [00:00:36] Jay McBain: I went from 85 degrees yesterday to 45 today, but I was able to dodge that, uh, that hurricane, uh, that we kind of had to fly through the northern edge of, uh, wanna talk today about our industry, about the ultimate partner. I’m gonna try to frame up the ultimate partner as I walk through the data and the latest research that, uh, that we’ve been doing in the market. [00:00:56] Jay McBain: But I wanted to start here ’cause our industry moves in 20 year cycles, and if you look at the Fortune 500 and dial back 20 years from today, 52% of them no longer exist. As we step into the next 20 year AI era, half of the companies that we know and love today are not gonna exist. So we look at this, and by the way, if you’re not in the Fortune 500 and you don’t have deep pockets to buy your way outta problems, 71% of tech companies fail over the course of 10 years. [00:01:30] Jay McBain: Those are statistics from the US government. So I start to look at our industry and you know, you may look at the, you know, mainframe era from the sixties and seventies, mini computers, August the 12th, 1981, that first IBM, PC with Microsoft dos, version one, you know, triggered. A new 20 year era of client server. [00:01:51] Jay McBain: It was the time and I worked at IBM for 17 years, but there was a time where Bill Gates flew into Boca Raton, Florida and met with the IBM team and did that, you know, fancy licensing agreement. But after, you know, 20 years of being the most valuable company in the world and 13 years of antitrust and getting broken up, almost like at and TIBM almost didn’t make payroll. [00:02:14] Jay McBain: 13 years after meeting Bill Gates. Yeah, that’s how quickly things change in these eras. In 1999, a small company outta San Francisco called salesforce.com got its start. About 10 years later, Jeff Bezos asked a question in a boardroom, could we rent out our excess capacity and would other companies buy it? [00:02:35] Jay McBain: Which, you know, most people in the room laughed at ’em at the time. But it created a 20 year cloud era when our friends, our neighbors, our family. Saw Chachi PT for the first time in March of 2023. They saw the deep fakes, they saw the poetry, they saw the music. They came to us as tech people and said, did we just light up Skynet? [00:02:58] Jay McBain: And that consumer trend has triggered this next 20 years. I could walk through the richest people in the world through those trends. I could walk through the most valuable companies. It all aligns. ’cause by the way, Apple’s no longer at the top. Nvidia is at the top, Microsoft. Second, things change really quickly. [00:03:17] Jay McBain: So in that course of time, you start to look at our industry and as people are talking about a six and a half or $7 trillion build out of ai, that’s open AI and Microsoft numbers, that is bigger than our industry that’s taken over 50 years to build. This year, we’re gonna finish the year at $5.3 trillion. [00:03:36] Jay McBain: That’s from the smallest flower shop to the biggest bank. Biggest governments that Caresoft would, uh, serve biggest customer in the world is actually the federal government of the us. But you look at this pie chart and you look at the changes that we’re gonna go through over the next 20 years, there’s about a trillion dollars in hardware. [00:03:54] Jay McBain: There’s about a trillion dollars in software. If you look forward through all of the merging trends, quantum computing, humanoid robots, all the things that are coming that dollar to dollar software to hardware will continue to exist all the way through. We see services making up almost two thirds of this pie. [00:04:13] Jay McBain: Yesterday I was in a telco conference with at and t and Verizon and T-Mobile and some of the biggest wireless players and IT services, which happen to be growing faster than products. At the moment, there is more work to be done wrapping around the deal than the actual products that the customer is buying. [00:04:32] Jay McBain: So in an industry that’s growing at 7%. On top of the world economy that’s grown at 2.2. This is the fastest growing industry, and it will be at least for the next 10 years, if not 2070 0.1% of this entire $5 trillion gets transacted through partners. While what we’re talking to today about the ultimate partner, 96% of this industry is surrounded by partners in one way or another. [00:05:01] Jay McBain: They’re there before the deal. They’re there at the deal. They’re there after the deal. Two thirds of our industry is now subscription consumption based. So every 30 days forever, and a customer for life becomes everything. So if every deal in medium, mid-market, and higher has seven partners, according to McKinsey, who are those seven people trying to get into the deal? [00:05:25] Jay McBain: While there’s millions of companies that have come into tech over the last 10 to 20 years. Digital agencies, accountants, legal firms, everybody’s come in. The 250,000 SaaS companies, a million emerging tech companies, there’s a big fight to be one of those seven trusted people at the table. So millions of companies and tens of millions of people our competing for these slots. [00:05:49] Jay McBain: So one of the pieces of research I’m most proud of, uh, in my analyst career is this. And this took over two years to build. It’s a lot of logos. Not this PowerPoint slide, but the actual data. Thousands of people hours. Because guess what? When you look at partners from the top down, the top 1000 partners, by capability and capacity, not by resale. [00:06:15] Jay McBain: It’s not a ranking of CDW and insight and resale numbers. It is the surrounding. Consulting, design, architecture, implementations, integrations, managed services, all the pieces that’s gonna make the next 20 years run. So when you start to look at this, 98% of these companies are private, so very difficult to get to those numbers and, uh, a ton of research and help from AI and other things to get this. [00:06:41] Jay McBain: But this is it. And if you look at this list, there’s a thousand logos out of the million companies. There’s a thousand logos that drive two thirds of all tech services in the world. $1.07 trillion gets delivered by a thousand companies, but here’s where it gets fun. Those companies in the middle, in blue, the 30 of them deliver more tech services than the next 970. [00:07:08] Jay McBain: Combined the 970 combined in white deliver more tech services. Then the next million combined. So if you think we live in an 80 20 rule or maybe a 99, a 95 5 rule, or a 99 1 rule, we actually live in a 99.9 0.1 parallel principle. These companies spread around the world evenly split across the uh, different regions. [00:07:35] Jay McBain: South Africa, Latin America, they’re all over. They split. They split among types. All of the Venn diagram I just showed from GSIs to VARs to MSPs, to agencies and other types of companies. But this is a really rich list and it’s public. So every company in the world now, if you’re looking at Transactable data, if you’re looking at quantifiable data that you can go put your revenue numbers against, it represents 70 to 80% of every company in this room’s Tam. [00:08:08] Jay McBain: In one piece of research. So what do you do below that? How do you cover a million companies that you can’t afford to put a channel account manager? You can’t afford to write programs directly for well after the top down analysis and all the wallet share and you know exactly where the lowest hanging fruit is for most of your tam. [00:08:28] Jay McBain: The available markets. The obtainable markets. You gotta start from the community level grassroots up. So you need to ask the question for the million companies and the maybe a hundred thousand companies out there, partner companies that are surrounding your customer. These are the seven partners that surround your customer. [00:08:48] Jay McBain: What do they read, where do they go, and who do they follow? Interestingly enough, our industry globally equates to only a thousand watering holes, a thousand companies at the top, a thousand places at the bottom. 35% of this audience we’re talking. Millions of people here love events and there’s 352 of them like this one that they love to go to. [00:09:13] Jay McBain: They love the hallway chats, they love the hotel lobby bar, you know, in a time reminded by the pandemic. They love to be in person. It’s the number one way they’re influenced. So if you don’t have a solid event strategy and you don’t have a community team out giving out socks every week, your competitors might beat you. [00:09:31] Jay McBain: 12% of this audience loves podcasts. It’s the Joe Rogan effect of our industry. And while you know, you may not think the 121 podcasts out there are important, well, you’re missing 12% of your audience. It’s over a million people. If you’re not on a weekly podcast in one of these podcasts in the world, there’s still people that read one of the 106 magazines in the world. [00:09:55] Jay McBain: There are people that love peer groups, associations, they wanna be part of this. There’s 15 different ways people are influenced. And a solid grassroots strategy is how you make this happen. In the last 10 years, we’ve created a number of billionaires. Bottom up. They never had to go talk to la large enterprise. [00:10:15] Jay McBain: They never had to go build out a mid-market strategy. They just went and give away socks and new community marketing. And this has created, I could rip through a bunch of names that became unicorns just in the last couple of years, bottoms up. You go back to your board walking into next year, top down, bottom up. [00:10:34] Jay McBain: You’ve covered a hundred percent of your tam, and now you’ve covered it with names, faces, and places. You haven’t covered it with a flywheel or a theory. And for 44 years, we have gone to our board every fourth quarter with flywheels and theory. Trust me, partners are important. The channel is key to us. [00:10:57] Jay McBain: Well, let’s talk at the point of this granularity, and now we’re getting supported by technology 261 entrepreneurs. Many of them in the room actually here that are driving this ability to succeed with seven partners in every deal to exchange data to be able to exchange telemetry of these prospects to be able to see twice or three times in terms of pipeline of your target addressable market. [00:11:26] Jay McBain: All these ai, um, technologies, agentic technologies are coming into this. It’s all about data. It’s all about quantifiable names, faces, and places. Now none of us should be walking around with flywheels, so let’s flip the flywheels. No. Uh, so we also look at, and I sold PCs for 17 years and that was in the high times of 40% margins for partners. [00:11:55] Jay McBain: But one interesting thing when you study the p and l for broad base of partners around the world, it’s changed pretty significantly in this last 20 year era. What the cloud era did is dropped hardware from what used to be 84% plus the break fix and things that wrap around it of the p and l to now 16% of every partner in the world. [00:12:16] Jay McBain: 84% of their p and l is now software and services. And if you look at profitability, it’s worse. It’s actually 87% is profitability wise. They’ve completely shifted in terms of where they go. Now we look at other parts of our market. I could go through every part of the pie of the slide, but we’re watching each of the companies, and if you can see here, this is what we want to talk about in terms of ultimate partner. [00:12:43] Jay McBain: Microsoft has outgrown AWS for 26 straight quarters. They don’t have a better product. They don’t have a better price, they don’t have better promotion. It’s all place. And I’ll explain why you guess here in the light green line. Exactly. The day that Google went a hundred percent all in partner, every deal, even if a deal didn’t have a partner, one of the 4% of deals that didn’t have a partner, they injected a partner. [00:13:09] Jay McBain: You can see on the left side exactly where they did it. They got to the point of a hundred percent partner driven. Rebuilt their programs, rebuilt their marketplace. Their marketplace is actually larger than Microsoft’s, and they grew faster than Microsoft. A couple of those quarters. It is a partner driven future, and now I have Oracle, which I just walked by as I walked from the hotel. [00:13:31] Jay McBain: Oracle with their RPOs will start to join. Maybe the list of three hyperscalers becomes the list of four in future slides, but that’s a growth slide. Market share is different. AWS early and commanding lead. And it plays out, uh, plays out this way. But we’re at an interesting moment and I stood up six years ago talking about the decade of the ecosystem after we went through a decade of sales starting in 1999 when we all thought we were born to be salespeople. [00:14:02] Jay McBain: We managed territories with our gut. The sales tech stack would have it different, that sales was a science, and we ended the decade 2009, looking at sales very differently in 2009. I remember being at cocktail parties where CMOs would be joking around that 50% of their marketing dollars were wasted. They just didn’t know which 50%. [00:14:23] Jay McBain: And I’ll tell you, that was really funny. In 2009 till every 58-year-old CMO got replaced by a 38-year-old growth hacker who walked in with 15,348 SaaS companies in their MarTech and ad tech stack to solve the problem, every nickel of marketing by 2019 was tracked. Marketo, Eloqua, Pardot, HubSpot, driving this industry. [00:14:50] Jay McBain: Now, we stood up and said the 28 moments that come before a sale are pretty much all partner driven. In the best case scenario, a vendor might see four of the moments. They might come to your website, maybe they read an ebook, maybe they have a salesperson or a demo that comes in. That’s four outta 28 moments. [00:15:10] Jay McBain: The other 24 are done by partners. Yeah, in the worst case scenario and the majority scenario, you don’t see any of the moments. All 28 happen and you lose a deal without knowing there ever was a deal. So this is it. We need to partner in these moments and we need to inject partners into sales and marketing, like no time before, and this was the time to do it. [00:15:33] Jay McBain: And we got some feedback in the Salesforce state of sales report, which doesn’t involve any partnerships or, or. Channel Chiefs or anything else. This is 5,500 of the biggest CROs in the world that obviously use Salesforce. 89% of salespeople today use partners every day. For the 11% who don’t, 58% plan two within a year. [00:15:57] Jay McBain: If you add those two numbers together, that’s magically the 96% number. They recognize that every deal has partners in it. In 2024, last year, half of the salespeople in the world, every industry, every country. Miss their numbers. For the minority who made their numbers, 84 point percent pointed to partners as the reason why they made their numbers. [00:16:21] Jay McBain: It was the cheat code for sales, so that modern salesperson that knows how to orchestrate a deal, orchestrate the 28 moments with the seven partners and get to that final spot is the winning formula. HubSpot’s number in separate research was 84% in marketing. So we’re starting to see partners in here. We don’t have to shout from the mountaintops. [00:16:44] Jay McBain: These communities like ultimate Partner are working and we’re getting this to the highest levels in the board. And I’ll say that, you know, when 20 years from now half of the companies we know and love fail after we’re done writing the book and blaming the CEO for inventing the thing that ended up killing them, blaming the board for fiduciary responsibility and letting it happen. [00:17:06] Jay McBain: What are the other chapters of the book? And I think it’s all in one slide. We are in this platform economy and the. [00:17:31] Jay McBain: So your battery’s fine. Check, check, check, check. Alright, I’ll, I’ll just hold this in case, but the companies that execute on all five of these areas, well. Not only today become the trillion dollar valued companies, but they become the companies of tomorrow. These will be the fastest growing companies at every level. [00:17:50] Jay McBain: Not only running a platform business, but participating in other platforms. So this is how it breaks out, and there are people at very senior levels, at very big companies that have this now posted in the office of the CEO winning on integrations is everything. We just went through a demographic shift this year where 51% of our buyers are born after 1982. [00:18:15] Jay McBain: Millennials are the number one buyer of the $5 trillion. Their number one buying criteria is not service. Support your price, your brand reputation, it’s integrations. The buy a product, 80% is good as the next one if it works better in their environment. 79% of us won’t buy a car unless it has CarPlay or Android Auto. [00:18:34] Jay McBain: This is an integration world. The company with the most integrations win. Second, there are seven partners that surround the customer. Highly trusted partners. We’re talking, coaching the customer’s, kids soccer team, having a cottage together up at the lake. You know, best men, bate of honors at weddings type of relationships. [00:18:57] Jay McBain: You can’t maybe have all seven, but how does Microsoft beat AWS? They might have had two, three, or four of them saying nice things about them instead of the competition. Winning in service partnerships and channel partnerships changes by category. If you’re selling MarTech, only 10% of it today is resold, so you build more on service partnerships. [00:19:18] Jay McBain: If you’re in cybersecurity today, 91.6% of it is resold. Transacted through partners. So you build a lot of channel partnerships, plus the service partnerships, whatever the mix is in your category, you have to have two or three of those seven people. Saying nice things about you at every stage of the customer journey. [00:19:38] Jay McBain: Now move over to alliances. We have already built the platforms at the hyperscale level. We’ve built the platforms within SaaS, Salesforce, ServiceNow, Workday, Marketo, NetSuite, HubSpot. Every buyer has a set of platforms that they buy. We’ve now built them in cybersecurity this year out of 6,500 as high as cyber companies, the top five are starting to separate. [00:20:02] Jay McBain: We built it in distribution, which I’ll show in a minute. We’re building it in Telco. This is a platform economy and alliances win and you have alliances with your competitors ’cause you compete in the morning, but you’re best friends by the afternoon. Winning in other platforms is just as important as driving your own. [00:20:20] Jay McBain: And probably the most important part of this is go to market. That sales, that marketing, the 28 moments, the every 30 days forever become all a partner strategy. So there’s still CEOs out there that believe platform is a UI or UX on a bunch of disparate products and things you’ve acquired. There’s still CFOs out there that Think platform is a pricing model, a bundle model of just getting everything under one, you know, subscription price or consumption price. [00:20:51] Jay McBain: And it’s not, platforms are synonymous with partnerships. This is the way forward and there’s no conversation around ai. That doesn’t involve Nvidia over there, an open AI over here and a hyperscaler over there and a SaaS company over here. The seven layer stack wins every single time, and the companies that get this will be the ones that survive this cycle. [00:21:16] Jay McBain: Now, flipping over to marketplaces. So we had written research that, um, about five years ago that marketplaces were going to grow at 82% compounded. Yeah, probably one of the most accurate predictions we ever made, because it happened, we, we predicted that, uh, we were gonna get up to about $85 billion. Well, now we’ve extended that to 2030, so we’re gonna get up to $163 billion, and the thing that we’re watching is in green. [00:21:46] Jay McBain: If 96% of these deals are partner assisted in some way, how is the economics of partnering going to work? We predicted that 50% of deals by 2027. Would be partner funded in some way. Private offers multi-partner offers distributor sellers of record, and now that extends to 59% by 2030, the most senior leader of the biggest marketplace AWS, just said to us they’re gonna probably make these numbers on their own. [00:22:14] Jay McBain: And he asked what their two competitors are doing. So he’s telling us that we under called this. Now when you look at each of the press releases, and this is the AWS Billion Dollar Club. Every one of the companies on the left have issued a press release that they’re in the billion dollar club. Some of them are in the multi-billions, but I want you to double click on this press release. [00:22:35] Jay McBain: I’m quoted in here somewhere, but as CrowdStrike is building the marketplace at 91% compounded, they’re almost doubling their revenue every single year. They’re growing the partner funding, in this case, distributor funding by 3548%. Almost triple digit growth in marketplace is translating into almost quadruple digit growth in funding. [00:23:01] Jay McBain: And you see that over and over again as, as Splunk hit three, uh, billion dollars. The same. Salesforce hit $2 billion on AWS in Ulti, 18 months. They joined in October 20, 23, and 18 months later, they’re already at $2 billion. But now you’re seeing at Salesforce, which by the way. Grew up to $40 billion in revenue direct, almost not a nickel in resell. [00:23:28] Jay McBain: Made it really difficult for VARs and managed service providers to work with Salesforce because they couldn’t understand how to add services to something they didn’t book the revenue for. While $40 billion companies now seeing 70% of their deals come through partners. So this is just the world that we’re in. [00:23:44] Jay McBain: It doesn’t matter who you are and what industry you’re in, this takes place. But now we’re starting to see for the first time. Partners join the billion dollar club. So you wonder about partnering and all this funding and everything that’s working through Now you’re seeing press releases and companies that are redoing their LinkedIn branding about joining this illustrious club without a product to sell and all the services that wrap around it. [00:24:10] Jay McBain: So the opening session on Microsoft was interesting because there’s been a number of changes that Microsoft has done just in the last 30 days. One is they cut distribution by two thirds going from 180 distributors to 62. They cut out any small partner lower than a thousand dollars, and that doesn’t sound like a lot, but that’s over a hundred thousand partners that get deed tightening the long tail. [00:24:38] Jay McBain: They we’re the first to really put a global point system in place three years ago. They went to the new commerce experience. If you remember, all kinds of changes being led by. The biggest company for the channel. And so when we’re studying marketplaces, we’re not just studying the three hyperscalers, we’re studying what TD Cynic is doing with Stream One Ingram’s doing with Advant Advantage Aerosphere. [00:25:01] Jay McBain: Also, we’re watching what PAX eight, who by the way, is the 365 bestseller for Microsoft in the world. They are the cybersecurity leader for Microsoft in the world and the copilot. Leader in the world for Microsoft and Partner of the Year for Microsoft. So we’re watching what the cloud platforms are doing, watching what the Telco are doing, which is 25 cents out of every dollar, if you remember that pie chart, watching what the biggest resellers are converting themselves into. [00:25:30] Jay McBain: Vince just mentioned, you know, SHI in the changes there watching the managed services market and the leaders there, what they’re doing in terms of how this industry’s moving forward. By the way, managed services at $608 billion this year. Is one and a half times larger than the SaaS industry overall. [00:25:48] Jay McBain: It’s also one and a half times larger than all the hyperscalers combined. Oracle, Alibaba, IBM, all the way down. This is a massive market and it makes up 15 to 20 cents of every dollar the customer spend. We’re watching that industry hit a trillion dollars by the end of the decade, and we’re watching 150 different marketplace development platforms, the distribution of our industry, which today is 70.1% indirect. [00:26:13] Jay McBain: We’re starting to see that number, uh, solidify in terms of marketplaces as well. Watching distributors go from that linear warehouse in a bank to this orchestration model, watching some of the biggest players as the world comes around, platforms, it tightens around the place. So Caresoft, uh, from from here is the sixth biggest distributor in the world. [00:26:40] Jay McBain: Just shows you how big the. You know, biggest client in the world is that they serve. But understand that we’re publishing the distributor 500 list, but it’ll be the same thing. That little group in blue in the middle today, you know, drives almost two thirds of the market. So what happens in all this next stage in terms of where the dollars change hands. [00:27:07] Jay McBain: And the economics of partnering themselves are going through the most radical shift that we’ve seen ever. So back to the nineties, and, and for those of you that have been channel chiefs and running programs, we went to work every day. You know, everything’s on fire. We’re trying to check hundred boxes, trying to make our program 10% better than our competitors. [00:27:30] Jay McBain: Hey, we gotta fix our deal registration program today, and our incentives are outta whack or training programs or. You know, not where they need to be. Our certification, you know, this was the life of, uh, of a channel chief. Everybody thought we were just out drinking in the Caribbean with our best partners, but we were under the weight of this. [00:27:49] Jay McBain: But something interesting has happened is that we turned around and put the customer at the middle of our programs to say that those 28 moments in green before the sale are really, really important. And the seven partners who participate are really important. Understanding. The customer’s gonna buy a seven layer stack. [00:28:09] Jay McBain: They’re gonna buy it With these seven partners, the procurement stage is much different. The growth of marketplaces, the growth of direct in some of these areas, and then long term every 30 days forever in a managed service, implementations, integrations, how you upsell, cross-sell, enrich a deal changes. So how would you build a program that’s wrapped around the customer instead of the vendor? [00:28:35] Jay McBain: And we’re starting to hear our partners shout back to us. These are global surveys, big numbers, but over half of our partners, regardless of type, are selling consulting to their customer. Over half are designing architecting deals. A third of them are trying to be system integrators showing up at those implementation integration moments. [00:28:55] Jay McBain: Two thirds of them are doing managed services, but the shocking one here is 44% of our partners, regardless of type, are coding. They’re building agents and they’re out helping their customer at that level. So this is the modern partner that says, don’t typecast me. You may have thought of me in your program. [00:29:14] Jay McBain: You might have me slotted as a var. Well, I do 3.2 things, and if I don’t get access to those resources, if you don’t walk me to that room, I’m not gonna do them with you. You may have me as a managed service provider that’s only in the morning. By the afternoon I’m coding, and by the next morning I’m implementing and consulting. [00:29:33] Jay McBain: So again, a partner’s not a partner. That Venn diagram is a very loose one now, as every partner on there is doing 3.2 different business models. And again, they’re telling us for 43 years, they said, I want more leads this year it changed. For the first time, I want to be recognized and incentivized as more than just a cash register for you. [00:29:57] Jay McBain: I want you to recognize when I’m consulting, when I’m designing, when you’re winning deals, because of my wonderful services, by the way, we asked the follow up question, well, where should we spend our money with you? And they overwhelmingly say, in the consulting stage, you win and lose deals. Not at moment 28. [00:30:18] Jay McBain: We’re not buying a pack of gum at the gas station. This is a considered purchase. You win deals from moment 12 through 16 and I’m gonna show you a picture of that later, and they say, you better be spending your money there, or you’re not gonna win your fair share or more than your fair share of deals. [00:30:36] Jay McBain: The shocking thing about this is that Microsoft, when they went to the point system, lifted two thirds of all the money, tens of billions of dollars, and put it post-sale, and we were all scratching our heads going. Well, if the partners are asking for it there, and it seems like to beat your biggest competitors, you want to win there. [00:30:54] Jay McBain: Why would you spend the money on renewal? Well, they went to Wall Street and Goldman Sachs and the people who lift trillions of dollars of pension funds and said, if we renew deals at 108%, we become a cash machine for you. And we think that’s more valuable than a company coming out with a new cell phone in September and selling a lot of them by Christmas every year. [00:31:18] Jay McBain: The industry. And by the way, wall Street responded, Microsoft has been more valuable than Apple since. So we talk in this now multiplier language, and these are reports that we write, uh, at AMIA at canals. But talking about the partner opportunity in that customer cycle, the $6 and 40 cents you can make for every dollar of consumption, or the $7 and 5 cents you can make the $8 and 45 cents you can make. [00:31:46] Jay McBain: There’s over 24 companies speaking at this level now, and guess what? It’s not just cloud or software companies. Hardware companies are starting to speak in this language, and on January 25th, Cisco, you know, probably second to Microsoft in terms of trust built with the channel globally is moving to a full point system. [00:32:09] Jay McBain: So these are the changes that happen fast. But your QBR with your partners now less about drinking beers at the hotel lobby bar and talking dollar by dollar where these opportunities are. So if you’re doing 3.2 of these things, let’s build out a, uh, a play where you can make $3 for every dollar that we make. [00:32:28] Jay McBain: And you make that profitably. You make it in sticky, highly retained business, and that’s the model. ’cause if you make $3 for every dollar. We make, you’re gonna win Partner of the year, and if you win partner of the year, that piece of glass that you win on stage, by the time you get back to your table, you’re gonna have three offers to buy your business. [00:32:51] Jay McBain: CDW just bought a w. S’s Partner of the Year. Insight bought Google’s eight time partner of the year. Presidio bought ServiceNow’s, partner of the year over and over and over again. So I’m at Octane, I’m at CrowdStrike, I’m at all these events in Vegas every week. I’m watching these partners of the year. [00:33:05] Jay McBain: And I’m watching as the big resellers. I’m watching as the GSIs and the m and a folks are surrounding their table after, and they’re selling their businesses for SaaS level valuations. Not the one-to-one service valuation. They’re getting multiples because this is the new future of our industry. This is platform economics. [00:33:25] Jay McBain: This is winning and platforms for partners. Now, like Vince, I spent 20 minutes without talking about ai, but we have to talk about ai. So the next 20 years as it plays out is gonna play out in phases. And the first thing you know to get it out of the way. The first two years since that March of 23, has been underwhelming, to say the least. [00:33:47] Jay McBain: It’s been disappointing. All the companies that should have won the biggest in AI have been the most disappointing. It’s underperformed the s and p by a considerable amount in terms of where we are. And it goes back to this. We always overestimate the first two years, but we underestimate the first 10. [00:34:07] Jay McBain: If you wanna be the point in time person and go look at that 1983 PC or the 1995 internet or that 2007 iPhone or that whatever point in time you wanna look at, or if you want to talk about hallucinations or where chat chip ET version five is version, as opposed to where it’s going to be as it improves every six months here on in. [00:34:30] Jay McBain: But the fact of the matter is, it’s been a consumer trend. Nvidia got to be the most valuable company in the world. OpenAI was the first company to 2 billion users, uh, in that amount of speed. It’s the fastest growing product ever in history, and it’s been a consumer win this trillions of dollars to get it thrown around in the press releases. [00:34:49] Jay McBain: They’re going out every day, you know, open ai, signing up somebody new or Nvidia, investing in somebody new almost every single day in hundreds of billions of dollars. It is all happening really on the consumer side. So we got a little bit worried and said, is that 96% of surround gonna work in ag agentic ai? [00:35:10] Jay McBain: So we went and asked, and the good news is 88% of end customers are using partners to work through their ag agentic strategy. Even though they’re moving slow, they’re actually using partners. But what’s interesting from a partner perspective, and this is new research that out till 2030. This is the number one services opportunity in the entire tech or telco industry. [00:35:34] Jay McBain: 35.3% compounded growth ending at $267 billion in services. Companies are rebuilding themselves, building out practices, and getting on this train and figuring out which vendors they should hook their caboose to as those trains leave the station. But it kind of plays out like this. So in the next three to five years, we’re in this generative, moving into agentic phase. [00:36:01] Jay McBain: Every partner thinks internally first, the sales and marketing. They’re thinking about their invoicing and billing. They’re thinking about their service tickets. They’re thinking about creating a business that’s 10% better than their competitors, taking that knowledge into their customers and drive in business. [00:36:17] Jay McBain: But we understand that ag agentic AI, as it’s going to play out is not a product. A couple of years ago, we thought maybe a copilot or an agent force or something was going to be the product that everybody needed to buy, and it’s not a product, it’s gonna show up as a feature. So you go back in the history of feature ads and it’s gonna show up in software. [00:36:38] Jay McBain: So if you’re calling in SMB, maybe you’re calling on a restaurant. The restaurant isn’t gonna call OpenAI or call Microsoft or call Nvidia directly. They’re running their restaurant. And they may have chosen a platform like Toast Square, Clover, whatever iPads people are running around with, runs on a platform that does everything in their business, does staffing, does food ordering, works with Uber Eats, does everything end to end? [00:37:08] Jay McBain: They’re gonna wait to one of those platforms, dries out agent AI for them, and can run the restaurant more effectively, less human capital and more consistently, but they wait for the SaaS platform as you get larger. A hundred, 150 people. You have vice presidents. Each of those vice presidents already have a SaaS stack. [00:37:28] Jay McBain: I talked about Salesforce, ServiceNow, Workday, et cetera. They’ve already built that seven layer model and in some cases it’s 70 layers. But the fact is, is they’re gonna wait for those SaaS layers to deliver ag agentic to them. So this is how it’s gonna play out for the next three and a half, three to five years. [00:37:45] Jay McBain: And partners are realizing that many of them were slow to pick up SaaS ’cause they didn’t resell it. Well now to win in this next three to half, three to five years, you’re gonna have to play in this environment. When you start looking out from here, the next generation, you know, kind of five through 15 years gets interesting in more of a physical sense. [00:38:06] Jay McBain: Where I was yesterday talking about every IOT device that now is internet access, starts to get access to large language models. Every little sensor, every camera, everything that’s out there starts to get smart. But there’s a point. The first trillionaire, I believe, will be created here. Elon’s already halfway there. [00:38:24] Jay McBain: Um, but when Bill Gates thought there was gonna be a PC in every home, and IBM thought they were gonna sell 10,000 to hobbyists, that created the richest person in the world for 20 years, there will be a humanoid in every home. There’s gonna be a point in time that you’re out having drinks with your friends, and somebody’s gonna say, the early adopter of your friends is gonna say. [00:38:46] Jay McBain: I haven’t done the dishes in six weeks. I haven’t done the laundry. I haven’t made my bed. I haven’t mowed the lawn. When they say that, you’re gonna say, well, how? And they’re gonna say, well, this year I didn’t buy a new car, but I went to the car dealership and I bought this. So we’re very close to the dexterity needed. [00:39:05] Jay McBain: We’ve got the large language models. Now. The chat, GPT version 10 by then is going to make an insane, and every house is gonna have one of the. [00:39:17] Jay McBain: This is the promise of ai. It’s not humanoid robots, it’s not agents. It’s this. 99% of the world’s business data has not been trained or tuned into models yet. Again, this is the slow moving business. If you want to think about the 99% of business data, every flight we’ve all taken in this room sits on a saber system that was put in place in 1964. [00:39:43] Jay McBain: Every banking transaction, we’ve all made, every withdrawal, every deposit sits on an IBM mainframe put in place in the sixties or seventies. 83% of this data sits in cold storage at the edge. It’s not ready to be moved. It’s not cleansed, it’s not, um, indexed. It’s not in any format or sitting on any infrastructure that a large language model will be able to gobble up the data. [00:40:10] Jay McBain: None of the workflows, none of the programming on top of that data is yet ready. So this is your 10 to 20 year arc of this era that chat bot today when they cancel your flight is cute. It’s empathetic, it feels bad for you, or at least it seems to, but it can’t do anything. It can’t book you the Marriott and get you an Uber and then a 5:00 AM flight the next morning. [00:40:34] Jay McBain: It can’t do any of that. But more importantly, it doesn’t know who you are. I’ve got 53 years of flights under my belt and they, I’m the person that get me within six hours of my kids and get me a one-way Hertz rental. You know, if there’s bad weather in Miami, get me to Tampa, get me a Hertz, I’m driving home, I’m gonna make it home. [00:40:56] Jay McBain: I’m not the 5:00 AM get me a hotel person. They would know that if they picked up the flights that I’ve taken in the past. Each of us are different. When you get access to the business data and you become ag agentic, everything changes. Every industry changes because of this around the customers. When you ask about this 35% growth, working on that data, working in traditional consulting and design and implementation, working in the $7 trillion of infrastructure, storage, compute, networking, that’s gonna be around, this is a massive opportunity. [00:41:30] Jay McBain: Services are gonna continue to outgrow products. Probably for the next five to 10 years because of this, and I’m gonna finish here. So we talked a lot about quantifying names, faces, places, and I think where we failed the most as ultimate partners is underneath the tam, which every one of our CEOs knows to the decimal point underneath the TAM that our board thinks they’re chasing. [00:41:59] Jay McBain: We’ve done a very poor job. Of talking about the available markets and obtainable markets underneath it, we, we’ve shown them theory. We’ve shown them a bunch of, you know, really smart stuff, and PowerPoint slides up the wazoo, but we’ve never quantified it for them. If they wanna win, if they want to get access, if they want to double their pipeline, triple their pipeline, if they wanna start winning more deals, if they wanna win deals that are three times larger, they close two times faster. [00:42:31] Jay McBain: And they renew 15% larger. They have to get into the available and obtainable markets. So just in the last couple weeks I spoke at Cribble, I spoke at Octane, I spoke at CrowdStrike Falcon. All three of those companies at the CEO level, main stage use those exact three numbers, three x, two x, 15%. That’s the language of platforms, and they’re investing millions and millions and millions of dollars on teams. [00:42:59] Jay McBain: To go build out the Sam Andal in name spaces and places. So you’ve heard me talk about these 28 moments a lot. They’re the ones that you spend when you buy a car. Some people spend one moment and they drive to the Cadillac dealership. ’cause Larry’s been, you know, taking care of the family for 50 years. [00:43:18] Jay McBain: Some people spend 50 moments like I do, watching every YouTube video and every, you know, thing on the internet. I clear the internet cover to cover. But the fact is, is every deal averages around these 28 moments. Your customer, there’s 13 members of the buying committee today. There’s seven partners and they’re buying seven things. [00:43:37] Jay McBain: There’s 27 things orchestrating inside these 28 moments. And where and how they all take place is a story of partnering. So a couple of years ago, canals. Latin for channel was acquired by amia, which is a part of Informa Tech Target, which is majority owned by Informa. All that being said, there’s hundreds of magazines that we have. [00:44:00] Jay McBain: There’s hundreds of events that we run. If somebody’s buying cybersecurity, they probably went to Black Hat or they probably went to GI Tech. One of these events we run, or one of the magazines. So we pick up these signals, these buyer intent signals as a company. Why did they wanna, um, buy a, uh, a Canals, which was a, you know, a small analyst firm around channels? [00:44:22] Jay McBain: They understood this as well. The 28 moments look a lot like this when marketers and salespeople are busy filling in the spots of every deal. And by the way, this is a real deal. AstraZeneca came in to spend millions of dollars on ASAP transformation, and you can start to see as the customer got smart. [00:44:45] Jay McBain: The eBooks, they read the podcasts, they listened to the events they went to. You start to see how this played out over the long term. But the thing we’ve never had in our industry is the light blue boxes. This deal was won and lost in December. In this particular case, NTT software won and Yash came in and sold the customer five projects. [00:45:07] Jay McBain: The millions of dollars that were going to be spent were solved here. The design and architecture work was all done here. A couple of ISVs You see in light blue came in right at the end, deal was closed in April. You see the six month cycle. But what if you could fill in every one of the 28 boxes in every single customer prospect that your sales and marketing team have? [00:45:30] Jay McBain: But here’s the brilliance of this. Those light blue boxes didn’t win the deals there. They won the deals months before that. So when NTT and Software one walked into this deal. They probably won the deal back in October and they had to go through the redlining. They had to go through the contracting, they had to go through all the stuff and the Gantt chart to get started. [00:45:54] Jay McBain: But while your CMO is getting all excited about somebody reading an ebook and triggering an MQL that the sales team doesn’t want, ’cause it’s not qualified, it’s not sales qualified, you walk in and say, no, no. This is a multimillion deal, dollar deal. It’s AstraZeneca. I know the five partners that are coming in in December to solidify the seven layers, and you’re walking in at the same time as the CMOs bragging about an ebook. [00:46:21] Jay McBain: This changes everything. If we could get to this level of data about every dollar of our tam, we not only outgrow our competitors, we become the platforms of the next generation. Partnering and ultimate partnering is all here. And this is what we’re doing in this room. This is what we’re doing over these couple of days, and this is what, uh, the mission that Vince is leading. [00:46:43] Jay McBain: Thank you so much. [00:46:47] Vince Menzione: Woo. Day in the house. Good to see you my friend. Good to see you. Oh, we’re gonna spend a couple minutes. Um, I’m put you in the second seat. We’re gonna put, we’re gonna make it sit fireside for a minute. Uh, that was intense. It was pretty incredible actually, Jay. And so I’m, I think I wanna open it up ’cause we only have a few minutes just to, any questions? [00:47:06] Vince Menzione: I’m sure people are just digesting. We already have one up here. See, [00:47:09] Question: Jay knows I’m [00:47:10] Vince Menzione: a question. I love it. We, I don’t think we have any I can grab a mic, a roving mic. I could be a roving mic person. Hold on. We can do this. This is not on. [00:47:25] Vince Menzione: Test, test. Yes it is. Yeah. [00:47:26] Question: Theresa Carriol dared me to ask a question and I say, you don’t have to dare me. You know, I’m going to Anyway. Um, so Jay, of the point of view that with all of the new AI players that strategic alliances is again having a moment, and I was curious your point of view on what you’re seeing around this emergence and trend of strategic alliances and strategic alliance management. [00:47:52] Question: As compared to channel management. And what are you seeing in terms of large vendors like AWS investing in that strategic alliance role versus that channel role training, enablement, measurement, all that good stuff? [00:48:06] Jay McBain: Yeah, it’s, it’s a great question. So when I told the story about toast at the restaurant or Square or Clover, they’re not call, they’re not gonna call open AI or Nvidia themselves either. [00:48:17] Jay McBain: When you look out at the 250,000 ISVs. That make up this AI stack, there is the layers that happen there. So the Alliance with AWS, the alliance they have with Microsoft or Google is going to be how they generate agent AI in their platforms. So when I talk about a seven layer stack, the average deal being seven layers, AI is gonna drive this to nine, and then 11, then probably 13. [00:48:44] Jay McBain: So in terms of how alliances work, I had it up there as one of the five core strategies, and I think it’s pretty even. You can have the best alliances in the world, but if the seven partners trusted by the customer don’t know what that alliance is and the benefits to the customer and never mention it, it’s all for Naugh. [00:49:00] Jay McBain: If you’re go-to market, you’re co-selling, your co-marketing strategies are not built around that alliance. It’s all for naught. If the integration and the co-innovation, the co-development, the all the co-creation work that’s done inside these alliances isn’t translated to customer outcomes, it’s all for naugh. [00:49:17] Jay McBain: These are all five parallel swim lanes. All five are absolutely critically needed. And I think they’re all five pretty equally weighted in terms of needing each other. Yes. To be successful in the era of platforms. Yeah. [00:49:32] Vince Menzione: And the problem is they’re all stove pipe today. If, if at all. Yeah. Maintained, right. [00:49:36] Vince Menzione: Alliances is an example. Channels and other example. They don’t talk to one another. Judge any, we’ve got a mic up here if anybody else has. Yep. We have some questions here, Jacqueline. [00:49:51] Question: So when we’re developing our channel programs, any advice on, you know, what’s the shift that we should make six months from now, a year from now? The historical has been bronze, silver, gold, right? And you’ve got your deal registration, but what’s the future look like? [00:50:05] Jay McBain: Yeah, so I mean, the programs are, are changing to, to the point where the customer should be in the middle and realizing the seven partners you need to win the deal. [00:50:15] Jay McBain: And depending on what category of product you’re in, security, how much you rely on resell, 91.6%. You know, the channel partners are gonna be critical where the customer spends the money. And if you’re adding friction to that process, you’re adding friction in terms of your growth. So you know, if you’re in cybersecurity, you have to have a pretty wide open reseller model. [00:50:39] Jay McBain: You have to have a wide open distribution model, and you have to make sure you’re there at that point of sale. While at the same time, considering the other six partners at moment 12 who are in either saying nice things about you or not, the customer might even be starting with you. ’cause there is actually one thing that I didn’t mention when I showed the 28 moments filled in. [00:51:00] Jay McBain: You’ll notice that the customer went to AWS twice direct. AWS lost the deal. Microsoft won the deal software. One is Microsoft’s biggest reseller in the world. They just acquired crayon. NTT who, who loves both had their Microsoft team go in. [00:51:18] Question: Mm. [00:51:19] Jay McBain: So I think that they went to AWS thinking it was A-W-S-S-A-P, you know, kind of starting this seven layer stack. [00:51:25] Jay McBain: I think they finished those, you know, critical moments in the middle looking at it. And then they went back to AWS kind of going probably WWTF. Yeah. What we thought was happening isn’t actually the outcome that was painted by our most trusted people. So, you know, to answer your question, listen to your partners. [00:51:43] Jay McBain: They want to be recognized for the other things they’re doing. You can’t be spending a hundred percent of the dollars at the point of sale. You gotta have a point of system that recognizes the point of sale, maybe even gold, silver, bronze, but recognizing that you’re paying for these other moments as well. [00:51:57] Jay McBain: Paying for alliances, paying for integrations and everything else, uh, in the cyber stack. And, um, you know, recognizing also the top 1000. So if I took your tam. And I overlaid those thousand logos. I would be walking into 2026 the best I could of showing my company logo by logo, where 80% of our TAM sits as wallet share, not by revenue. [00:52:25] Jay McBain: Remember, a million dollar partner is not a million dollar partner. One of them sells 1.2 million in our category. We should buy them a baseball cap and have ’em sit in the front row of our event. One of them sells $10 million and only sells our stuff if the customer asks. So my company should be looking at that $9 million opportunity and making sure my programs are writing the checks and my coverage. [00:52:48] Jay McBain: My capacity and capability planning is getting obsessed over that $9 million. My farmers can go over there, my hunters can go over here, and I should be submitting a list of a thousand sorted in descending order of opportunity. Of where my company can write program dollars into. [00:53:07] Vince Menzione: Great answer. All right. I, I do wanna be cognizant of time and the, all the other sessions we have. [00:53:14] Vince Menzione: So we’ll just take one other question if there are any here and if not, we’ll let I know. Jay, you’re gonna be mingling around for a little while before your flight. I’m [00:53:21] Jay McBain: here the whole day. [00:53:22] Vince Menzione: You, you’re the whole day. I see that Jay’s here the whole day. So if you have any other questions and, and, uh, sharing the deck is that. [00:53:29] Vince Menzione: Yep. Alright. We have permission to share the deck with the each of you as well. [00:53:34] Jay McBain: Alright, well thank you very much everyone. Jay. Great to have you.

Private credit has exploded in popularity, drawing the attention of investors and regulators alike. Sean Aylmer is joined by Roger Montgomery from Montgomery Investment Management to explain why banks have stepped back from business lending, how non-bank lenders have filled the gap, and why private credit has become so attractive for income-seeking investors. Roger also outlines the key risks to watch for, and the importance of independent credit ratings when choosing a fund. Learn more about Montgomery’s private credit funds atwww.montinvest.com/privatecredit For more information, visit www.montinvest.com or call 02 8046 5000.Follow Roger’s insights at www.rogermontgomery.com This is Fear & Greed's summer series - all-new short episodes every day, with regular news back from January 12. This episode is brought to you by Montgomery Investment Management. All information is general in nature. If you want to invest, we recommend you visit a financial advisor who can tailor investments to your needs.Find out more: https://fearandgreed.com.au/See omnystudio.com/listener for privacy information.

Put up your dukes, Ryan and Charles are getting scrappy. In honour of Boxing Day, Charles wanted to know more about how melee combat works in Essence20. Ryan breaks down the rules, melee’s purpose in the system, some good options for melee builds, and the origin of the melee weapon rules. Listen Now! (mp3) Video […]

In plaats van de podcast Toegevoegde Waarde een deze speciale aflevering van Dagkoers. Hierin bespreken we samen met redacteur fusies en overnames Jan Braaksma het jaar in de private-equitymarkt. Waar het aanvankelijk een jaar vol beursgangen en handel leek te worden, zorgden de heffingen van Trump voor een heel andere realiteit. Private equity, dat gekenmerkt wordt door een beperkte looptijd van investeringen (normaliter 5 à 7 jaar), moest dus creatief zijn. In 2025 verkochten partijen daarom massaal aan zichzelf. Hoe dit anders is dan een simpele vestzak-broekzakconstructie, hoor je in deze aflevering. Presentatie & montage: Floyd Bonder See omnystudio.com/listener for privacy information.

This Flashback Friday is from episode 541 published last July 13, 2015. Massive shifts in the world economy are coming and may be as soon as 2020. The United States has the unique opportunity to take charge of the change through technological breakthroughs that will lead us down the utopian path. In addition, the U.S. is still the best country in which to make real estate investments. But if you do it be wise about it. Private investments are one of the safest vehicles to create your wealth. Be wary of group investment funds which put the control of the funds in someone else's hands. Jason cautions his listeners against this type of investing. Before signing any deal read every word of the paperwork.    Mentions: 14 Countries that are Spiraling Towards a Debt Crisis - Heather Stewart     Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com

Choose ONE CTA:Check out our Bootcamp!Snag Our Simplified Budget System!Hope you had the best holiday ever… but now it's time to shift gears and get back into budget mode.

Send us fan responses! What if “public safety” started before the sirens? We unpack a community policing model built to prevent harm, cool down conflict, and open real-time channels between neighbors and municipal departments. Our focus is practical: live scenario training, de-escalation for domestic violence and high-stress encounters, and a notification framework that helps local agencies recognize who you are, why you're there, and how to coordinate without friction.We talk about how policy shapes police behavior and how community officers can complement that mission by stabilizing situations police can't prioritize—family crises, building disputes, and day-to-day tensions that simmer into emergencies. You'll hear how the program equips officers with scannable IDs, certificates for hospitals and courts, and guidance for notifying sheriffs and departments, aiming for faster verification and fewer escalations during traffic stops, welfare checks, or courthouse visits. “Peaceful compliance” sets the tone: non-threatening posture, precise language, and clear boundaries that lower adrenaline for everyone.Looking ahead, we map a pathway from foundational community work into specialized tracks—bodyguard operations, cybersecurity, counterintelligence—and a forthcoming community crime lab focused on both violent incidents and the financial harms that destabilize neighborhoods. The application process emphasizes character and fit, offers payment flexibility, and connects you with regional directors and ongoing education, including updates on court changes and tech like AI-driven enforcement.If you care about safer streets, fewer crises, and real cooperation with departments, this is a blueprint you can act on. Subscribe, share this episode with someone who works in your community, and leave a review with your biggest question so we can tackle it next time.https://donkilam.com FOLLOW THE YELLOW BRICK ROAD - DON KILAMGO GET HIS BOOK ON AMAZON NOW! https://www.amazon.com/Cant-Touch-This-Diplomatic-Immunity/dp/B09X1FXMNQ https://open.spotify.com/track/5QOUWyNahqcWvQ4WQAvwjj?autoplay=trueSupport the showhttps://donkilam.com

Very_Private_Funeral

Fri, 26 Dec 2025 04:45:00 +0000 https://jungeanleger.podigee.io/2861-borsepeople-im-podcast-s22-18-christian-mattasits 9d2b56f933a4222d626f00875ffeaac5 Christian Mattasits ist CEO der Finanzfuchsgruppe, ausserdem spielt er in seinem eigenen Fussballteam. Einer, der sich der Vermögensberatung, Finanzierung und Finanzplanung für Private und Unternehmen verschrieben hat, holt dabei weit aus: Die Finanzfuchsgruppe ist ein grosser Arbeitgeber geworden und hat mehr als 20.000 Kunden in Österreich, Branchenpartner sind u.a. Allianz, Helvetia, Uniqa, Erste, Bawag, uvm.. Das Thema IT-Entwicklung wird grossgeschrieben, "Mehr Leben" ist die Botschaft des Unternehmens, die auch in den Sport hineingetragen wird, dies u.a. mit Dominic Thiem, Ivona Dadic und vielen mehr. Dazu gibt es auch eine Netflix-Facette. https://finanzfuchsgruppe.at Hans(wo)men Group Fresh Global Disruptive Einspieler: credi2.com Credi2 entwickelt, implementiert und betreibt Buy‑Now‑Pay‑Later‑Lösungen für Banken, Zahlungsinstitute und Händler. Die Plattform automatisiert alle Prozesse vollständig. Auf Basis dieser Technologie und Erfahrung wurden erfolgreich Produkte mit Partnern wie z.B. der Raiffeisen Bank International lanciert – erreichbar unter credi2.com. About: Die Serie Börsepeople des Podcasters Christian Drastil, der im Q4/24 in Frankfurt als "Finfluencer & Finanznetworker #1 Austria" ausgezeichnet wurde, findet im Rahmen von http://www.audio-cd.at und dem Podcast "Audio-CD.at Indie Podcasts" statt. Es handelt sich dabei um typische Personality- und Werdegang-Gespräche. Die Season 22 umfasst unter dem Motto „25 Börsepeople“ 25 Talks. Presenter der Season 22 ist die Hans(wo)men Group https://www.hanswomengroup.com. Welcher der meistgehörte Börsepeople Podcast ist, sieht man unter http://www.audio-cd.at/people. Der Zwischenstand des laufenden Rankings ist tagesaktuell um 12 Uhr aktualisiert. Bewertungen bei Apple (oder auch Spotify) machen mir Freude: http://www.audio-cd.at/spotify , http://www.audio-cd.at/apple . Du möchtest deine Werbung in diesem und vielen anderen Podcasts schalten? Kein Problem!Für deinen Zugang zu zielgerichteter Podcast-Werbung, klicke hier.Audiomarktplatz.de - Geschichten, die bleiben - überall und jederzeit! 2861 full no Christian Drastil Comm. (Agentur für Investor Relations und Podcasts) 2184

Simon Belanger is joined by Dan Foch to demystify Canada’s private mortgage landscape from MICs (Mortgage Investment Corporations), to mortgage finance companies, and why syndicated mortgages. They break down how these funds generate eye-catching yields, where the real fees live, why first vs. second-position lending matters, and the biggest risk most investors underestimate: liquidity. The conversation also covers gated redemptions, conflicts of interest in vertically integrated lending, and the key questions investors should ask before allocating registered-account money to private mortgage products. Tickers of Stocks Discussed: Our New Youtube Channel! Check out our portfolio by going to Jointci.com Our Website Canadian Investor Podcast Network Twitter: @cdn_investing Simon’s twitter: @Fiat_Iceberg Braden’s twitter: @BradoCapital Dan’s Twitter: @stocktrades_ca Want to learn more about Real Estate Investing? Check out the Canadian Real Estate Investor Podcast! Apple Podcast - The Canadian Real Estate Investor Spotify - The Canadian Real Estate Investor Web player - The Canadian Real Estate Investor Asset Allocation ETFs | BMO Global Asset Management Sign up for Fiscal.ai for free to get easy access to global stock coverage and powerful AI investing tools. Register for EQ Bank, the seamless digital banking experience with better rates and no nonsense.See omnystudio.com/listener for privacy information.

Artist: Artem Zhidkov (Moscow, Russia) Name: Live@Umaker: Private | 25 Private | 02.08.2025 Genre: Tech House Release Date: 25.12.2025 Exclusive: Deep House Moscow Artem Zhidkov: @artemzhidkov Instagram: www.instagram.com/artemzhidkovv VK: vk.com/artemzhidkov CONTACT (DHM): Email — deephousemoscow@hotmail.com Follow us: www.facebook.com/deephousemsk/ www.instagram.com/deephousemoscow/ vk.com/deephousemsk/

John, Jason, and Ron talk about some of their holiday traditions and then dive into creating a grumpy holiday monster! Listen Now! Watch Now!

"Private practice conceded the battle." Connect With Our SponsorsGreyFinch - https://greyfinch.com/jillallen/A-Dec - https://www.a-dec.com/orthodonticsSmileSuite - https://getsmilesuite.com/ Summary In this conversation, John Marvin shares his extensive journey in healthcare marketing, particularly focusing on the challenges faced by private practices due to corporate influences. He emphasizes the importance of understanding consumer needs through research and the necessity for private practices to engage with their communities authentically. The discussion also highlights the critical role of patient experience and convenience in retaining clients and competing against larger corporate entities. Connect With Our Guest John D. Marvin - john@johndmarvin.com Takeaways John's journey in healthcare marketing began in the early 80s.He emphasizes the importance of consumer research in marketing strategy.Private practices must engage with their communities to thrive.Convenience is a key factor in patient retention.Marketing should focus on building authentic relationships with patients.Corporate influences can negatively impact private practices.Practices need to justify their pricing through value and service.Community involvement can differentiate private practices from corporates.Every patient interaction should feel special and engaging.Chapters 00:00 Introduction and Guest Welcome01:46 John D Marvin's Journey with TSO06:41 Challenges in Private Practices and Marketing Strategies13:50 Combating Low-Cost Competitors19:54 Community Involvement and Private Practice36:15 Final Thoughts and Contact Information Episode Credits:  Hosted by Jill AllenProduced by Jordann KillionAudio Engineering by Garrett LuceroAre you ready to start a practice of your own? Do you need a fresh set of eyes or some advice in your existing practice?Reach out to me- www.practiceresults.com.    If you like what we are doing here on Hey Docs! and want to hear more of this awesome content, give us a 5-star Rating on your preferred listening platform and subscribe to our show so you never miss an episode.    New episodes drop every Thursday!   

It's surprisingly hard to know what something is really worth until someone actually tries to buy it—and that problem is front and center in private funds. Don and Tom unpack why private equity, private real estate, and other “alternative” investments often look calm and stable on paper, only to suffer brutal price drops once they finally trade in public markets. From a Wall Street Journal example of a private real estate fund losing roughly 40% overnight, to Morningstar's troubling enthusiasm for expensive, speculative new ETFs, the episode reinforces a core principle: prices discovered by real markets beat internal estimates every time. Along the way, listeners call in with real-world retirement questions, inherited IRA rules, portfolio simplification strategies, and a healthy dose of holiday banter. 0:04 What something is “worth” versus what someone will actually pay 1:06 Defining private funds and why valuation is murky 2:27 Private fund pricing versus real market pricing 3:56 BlueRock fund haircut: paper value meets reality 4:24 Market pricing, efficiency, and the wisdom of crowds 5:42 The myth of private investments being “less volatile” 6:27 Real estate as the perfect valuation example 7:39 Listener call: inherited IRA and annuity distribution rules 12:42 Holiday humor, crypto annuity joke, and Kentucky bourbon 16:01 Moving assets from Edward Jones, loads, and simplification 19:41 DIY portfolios versus advisor value 21:08 Morningstar's “Best and Worst New ETFs” critique 22:21 Why most new ETFs exist (and why you don't need them) 24:43 Shockingly high ETF expense ratios 26:27 Leveraged crypto ETFs and financial absurdity 27:37 Seasonal podcast plug and ratings gripe 28:44 Listener call: Boeing retirement and rollover planning 34:40 Holiday reflections, gratitude, and comfort over riches Learn more about your ad choices. Visit megaphone.fm/adchoices

Save 10% on your next Fleshlight with promo code 10PRIVATE at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠fleshlight.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. For the 239th episode of Private Parts Unknown, host Courtney Kocak welcomes ⁠The World Walk⁠ author Tom Turcich. Over seven years, Tom Tursich walked across six continents with his loyal dog, Savannah, on an epic journey chronicled in his book, The World Walk. Tom was the tenth person, and Savannah was the first dog to achieve this feat of walking around the world. In this episode, Tom shares what inspired this global trek and recounts the highs and lows of the adventure—from the scariest moments to the heartwarming hospitality he experienced along the way. And this journey has a happy ending: Tom reveals how he met his fiancée, Bonnie, on the final stretch of his walk.  For more from today's guest, Tom Turcich: Buy Tom's book ⁠The World Walk⁠ Connect with Tom on Instagram ⁠@theworldwalk⁠ Check out Tom's website ⁠tomturcich.com⁠ Get your copy of Girl Gone Wild from ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Bookshop.org⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Amazon⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Psst, Courtney has an 0nIyFan$, which is a horny way to support the show: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://linktr.ee/cocopeepshow⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Private Parts Unknown is a proud member of the Pleasure Podcast network. This episode is brought to you by: Our Sponsor, FLESHLIGHT, can help you reach new heights with your self-pleasure. Fleshlight is the #1 selling male sex toy in the world. Looking for your next pocket pal? Save 10% on your next Fleshlight with Promo Code: 10PRIVATE at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠fleshlight.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. STDCheck.com is the leader in reliable and affordable lab-based STD testing. Just go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ppupod.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, click STDCheck, and use code Private to get $10 off your next STI test. Explore yourself and say yes to self-pleasure with Lovehoney. Save 15% off your next favorite toy from Lovehoney when you go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠lovehoney.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and enter code AFF-PRIVATE at checkout. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://linktr.ee/PrivatePartsUnknownAds⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ If you love this episode, please leave us a 5-star rating and sexy review! Psst... sign up for the Private Parts Unknown newsletter for bonus content related to our episodes! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠privatepartsunknown.substack.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Let's be friends on social media! Follow the show on Instagram ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@privatepartsunknown⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and Twitter ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@privatepartsun⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Connect with host Courtney Kocak ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@courtneykocak⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ on Instagram and Twitter. Learn more about your ad choices. Visit megaphone.fm/adchoices

Ever feel drained after a round—like the energy was off, even if your swing wasn't? You might've had a bad apple in your group. In this episode, I'm talking about how just one negative person can bring down the whole foursome (and it might even be you). You'll learn why emotions are contagious on the course, how to protect your mindset, and how to stay focused no matter who you're paired with. If you've ever played with a mood killer—or been one—this one's for you.Continue your mental journey at Your Mental Caddy HERE Join the NEXT Workshop Here Mastering Your Golf Brain - A Guide to Self-Coaching Mastering Your Golf Brain - The Workbook Mental Golf Journal - A Range for Your Brain Are all available at KathyHartWood.com/book Private coaching starts with a Free Discovery Call here: Email Kathy at Kathy@KathyHartWood.com Website: KathyHartWood.com

Choose ONE CTA:Check out our Bootcamp!Book A Free Financial Coaching Call! Hey budget besties! Just popping into your feed with a quick and cozy Christmas message.

Mareet Ayin - In Private by Rabbi Avi Harari

This week on Oooh They Funny (The Show), the crew covered a wild mix of unspoken social rules, confusing modern dating moments, and uncomfortable truths we all pretend not to notice. They kicked things off talking about that awkward feeling when you think you're getting a “private” selfie, only for it to end up on someone's social media minutes later—and whether that's a power move, clout chasing, or just straight-up disrespect. From there, the conversation shifted into the unspoken rules every friend group lives by until someone breaks one, comparing how men and women see violations differently—whether it's food, secrets, money, or dating a friend's ex—and how one broken rule can instantly change a friendship. The episode also dove into the Black Santa experience, with honest and funny stories about growing up Black in predominantly white suburbs, navigating traditional white Santa imagery, and why representation actually matters, with Riskay adding her perspective as part of the show. They wrapped things up by unpacking why some people lie for absolutely no reason at all, telling ridiculous stories for attention or convenience, how to spot it, and how to deal with people who can't seem to keep it real. As always, the episode balanced humor, real-life situations, and those uncomfortable conversations everyone relates to but rarely says out loud.

Mark “Murch” Erhardt and Mike Schmidt are joined by Bastien Teinturier, Rearden Code, and Pieter Wuille to discuss Newsletter #385: 2025 Year-in-Review Special.January● Updated ChillDKG draft (43:08) ● Offchain DLCs (45:53) ● Compact block reconstructions (2:29:27) February● Erlay update (1:53:55) ● LN ephemeral anchor scripts (0:50) ● Probabilistic payments (54:45) March● Bitcoin Forking Guide (3:29:35) ● Private block template marketplace to prevent centralizing MEV (3:05:28) ● LN upfront and hold fees using burnable outputs (13:12) April● SwiftSync speedup for initial block download (2:09:35) ● DahLIAS interactive aggregate signatures (3:26:02) Summary 2025: Quantum (58:07) May● Cluster mempool (1:22:11) ● Increasing or removing Bitcoin Core's OP_RETURN policy limit (2:45:43) June● Calculating the selfish mining danger threshold (2:20:39) ● Fingerprinting nodes using addr messages (3:11:38) ● Garbled locks (3:19:01) Summary 2025: Soft fork proposals (26:57) July● Chain code delegation (49:07) August● Utreexo draft BIPs (2:15:57) ● Lowering the minimum relay feerate (2:39:52) ● Peer block template sharing (2:56:01) ● Differential fuzzing of Bitcoin and LN implementations (3:16:08) Summary 2025: Stratum v2 (2:04:49) September● Details about the design of Simplicity (3:23:01) ● Partitioning and eclipse attacks using BGP interception (3:13:47) October● Discussions about arbitrary data (3:01:15) ● Channel jamming mitigation simulation results and updates (11:05) November● Comparing performance of ECDSA signature validation in OpenSSL vs. libsecp256k1 (2:01:47) ● Modeling stale rates by propagation delay and mining centralization (2:22:32) ● BIP3 and the BIP process (3:31:37) ● Bitcoin Kernel C API introduced (3:35:35) December● Splicing (7:33)

Excerpt from Beyond Markets Podcast, originally published on 24.08.2025.This episode is part of a special two-week series featuring highlights from Julius Baer's recent Beyond Markets podcasts. Our regular show that starts with daily market news returns on Monday 5th January.Investing in private markets has the potential to create long-term value in portfolios. But how can qualified and professional investors navigate the current marketplace? What does the private equity market look like today? Which factors are driving potential opportunities? And where might the risks lie? In this episode of the Beyond Markets podcast, Fiona Kenyon, Head of Private Markets Specialists at Julius Baer talks to Jack Weingart, Chief Financial Officer at the global alternatives firm TPG, to discuss these questions as they evaluate the current landscape and reflect on the potential risks and rewards.(00:00) - Introduction: Helen Freer, Product & Investment Content (00:40) - Private equity: Jack Weingart, Chief Financial Officer at TPG and Fiona Kenyon, Head of Private Markets Specialists (08:43) - Closing remarks: Helen Freer, Product & Investment Content Would you like to support this show? Please leave us a review and star rating on Apple Podcasts, Spotify or wherever you get your podcasts.

James Onieal from Raven Career Development returns to break down what pilot hiring is shaping up to look like in 2026. We dig into majors, regionals, corporate paths, and why movement can feel slow right up until it suddenly isn't. From CFI logjams to corporate and furlough realities, this episode is all about timing, strategy, and expectations. Subscribe and listen to stay ahead of the hiring curve. Raven Careers supports professional pilots with resume prep, interview strategy, and long-term career planning. Click here to learn more. Show Notes 0:00 Intro 4:15 Big 3 in 2026 11:52 Rejection Rates 15:23 Cadet Program Pipeline 26:08 Corporate Pilot Q&A 32:32 Regional FO Q&A 40:46 CJO or More Interviews 48:50 No Legacy Offers After Furlough? 59:29 Retirement Gameplan 59:29 GED & Education 1:20:20 Final Thoughts Our Sponsors Tim Pope, CFP® — Tim is both a CERTIFIED FINANCIAL PLANNER™ and a pilot. His practice specializes in aviation professionals and aviation 401k plans, helping clients pursue their financial goals by defining them, optimizing resources, and monitoring progress. Click here to learn more. Also check out The Pilot's Portfolio Podcast. Advanced Aircrew Academy — Enables flight operations to fulfill their training needs in the most efficient and affordable way—anywhere, at any time. They provide high-quality training for professional pilots, flight attendants, flight coordinators, maintenance, and line service teams, all delivered via a world-class online system. Click here to learn more. Raven Careers — Helping your career take flight. Raven Careers supports professional pilots with resume prep, interview strategy, and long-term career planning. Whether you're a CFI eyeing your first regional, a captain debating your upgrade path, or a legacy hopeful refining your application, their one-on-one coaching and insider knowledge give you a real advantage. Click here to learn more. The AirComp Calculator™ is business aviation's only online compensation analysis system. It can provide precise compensation ranges for 14 business aviation positions in six aircraft classes at over 50 locations throughout the United States in seconds. Click here to learn more. Vaerus Jet Sales — Vaerus means right, true, and real. Buy or sell an aircraft the right way, with a true partner to make your dream of flight real. Connect with Brooks at Vaerus Jet Sales or learn more about their DC-3 Referral Program. Harvey Watt — Offers the only true Loss of Medical License Insurance available to individuals and small groups. Because Harvey Watt manages most airlines' plans, they can assist you in identifying the right coverage to supplement your airline's plan. Many buy coverage to supplement the loss of retirement benefits while grounded. Click here to learn more. VSL ACE Guide — Your all-in-one pilot training resource. Includes the most up-to-date Airman Certification Standards (ACS) and Practical Test Standards (PTS) for Private, Instrument, Commercial, ATP, CFI, and CFII. 21.Five listeners get a discount on the guide—click here to learn more. ProPilotWorld.com — The premier information and networking resource for professional pilots. Click here to learn more.   Feedback & Contact Have feedback, suggestions, or a great aviation story to share? Email us at info@21fivepodcast.com. Check out our Instagram feed @21FivePodcast for more great content (and our collection of aviation license plates). The statements made in this show are our own opinions and do not reflect, nor were they under any direction of any of our employers.

Bitcoin is moving beyond speculation into real economic impact. In this Bitcoin Magazine news desk panel, Stafford Masie and Shawn Owen explain how Bitcoin-backed private credit and lending can unlock jobs, growth, and dignity—especially across Africa. The conversation covers informal economies, treasury strategies, and why Bitcoin must be treated separately from crypto.#Bitcoin #BitcoinAdoption #BitcoinLending ⭐️⚔: BORROW AGAINST YOUR BITCOIN WITH SALT

The last episode of 2025 is here, and it's a big one! The boys revisit the topic of "Outfit Repeating", diving into WHEN they decide to repeat, their favorite fit-templates to do, and the garments that have stayed with them over the years...as well as the suspiciously similar substitutes they buy when they outgrow the old one. Ethan goes even further, discussing how he uses old photos as a form of *inspiration* rather than a template, mainly because there's always more temporal distance (years) between when he repeats. After all, photos from five years ago are more "good" than they are "cringy". Oh, and Ethan spends time talking about his decision to go private on Instagram. Blog Post: https://alittlebitofrest.com/2025/12/23/sometimes-i-inspire-myself-or-outfit-repeating-revisted/ https://alittlebitofrest.com/2025/12/23/going-private/ Support us on Patreon and join the Discord: https://www.patreon.com/styleanddirection/ Follow us on Instagram! www.instagram.com/styleanddirection/ Podcast is produced by MJ

If you've ever wondered whether you're "ready" for hypnosis… If you've tried mindset work, coaching, or hypnosis audios and felt like something still didn't shift… Or if you've been curious what it actually looks like to work with a hypnotist at the identity level— This episode is for you. In today's conversation, I'm answering the real questions people ask before stepping into deep hypnosis work—especially those who are already successful, already in momentum, but feel like they're hitting an invisible internal barrier. We talk about why outdated concepts like the "lizard brain" oversimplify how the mind actually works, how pattern recognition drives behavior far more than conscious effort, and why most people can't accurately assess their own readiness for identity-level change. This is not stage hypnosis. It's not surface-level mindset work. And it's definitely not hypnosis the way most people imagine it. Why modern hypnosis works differently Modern hypnosis for identity change works by identifying and neutralizing emotional patterns stored below conscious awareness. These patterns don't show up as obvious thoughts—they show up as procrastination, hesitation, self-doubt, people-pleasing, or feeling like you're "almost there" but can't quite get across the finish line. You don't need to be broken to benefit from hypnosis. You don't need to be at rock bottom. In fact, the people who get the fastest, most lasting results are often the ones who are already doing well—but know something internal isn't fully aligned yet. That misalignment is rarely about motivation. It's about identity. What it really looks like to work together In this episode, I explain why I don't work by the session and why identity-level hypnosis can't be mapped out in advance. The subconscious reveals what needs to shift after the work begins—not before. Some clients experience rapid shifts and need time to integrate. Some need multiple sessions in a short window. Some pause briefly to let real-world results settle in before continuing. This work adapts to the individual, because identity change isn't linear—and forcing it into a rigid structure actually slows results. Why group hypnosis and private work are not the same I also clear up a common misconception: private hypnosis is not the same as group hypnosis. Group sessions are intentionally general and supportive. Private work is precise, root-cause focused, and highly individualized. In one-on-one work, we use emotional resonance—the frequency beneath words—to neutralize patterns at their source. This allows identity shifts to happen without reliving the past or digging through memories unnecessarily. Think of it like rebuilding a house. If the foundation was formed on early misperceptions—I'm not enough, I need to stay quiet, I have to protect myself—the structure above it can never fully stabilize. Modern hypnosis removes the faulty foundation and replaces it with one that actually supports who you are now. Who this work is for (and who it isn't) I only work with people who are committed to real transformation—not partial change. If someone isn't ready, we don't move forward. If another path would serve them better, I'll say so. This is why a consult is required. Not to sell—but to protect results. And if you're a coach, practitioner, or therapist listening and noticing that your clients keep getting close but not integrating change, this episode will help you understand why that happens—and what actually resolves it at the root. Your next steps If you want to understand hypnosis more deeply before committing to private work, Hypnosis Secrets Unlocked is back in January. It's a behind-the-scenes look at how modern hypnosis works, why emotional patterns drive behavior, and why hypnosis is often the missing link in lasting change. And if you already know you're a clear yes for certification, applications are open for the February cohort, with additional dates available in 2026. Training is structured to support business owners without shutting life down—and includes immediate access to self-study once you're accepted. Deep, embodied change is possible. Not by fixing yourself—but by aligning who you are at the identity level. If this episode resonated, leave a review and share it with someone who's been circling the same edge, knowing there's more available.  

  Blog page for this episode: https://missamberrenee.com/a-world-behind-the-private-door-will-you-turn-the-key-enter/ There is a private door you were never meant to find publicly... You feel it in your body. In your desire. In the places you don't explain. Behind this private door: a world exists that changes women permanently. From the inside out.  Which is why we enter this private realm...this Sanctum...together. To commune, reveal, embody, and emerge when the time is right for the public to experience you, your movement, the secret genius that's seductively unveiled in our exclusive room over 6 months.  The only question is whether you will turn the key, enter the room, and claim your spot at the table of power.

Today's guests are a father-son duo who have been on a fascinating journey of growing up with the family business, exiting that chapter, and deciding to start a new one. Tad Edwards was part of a multi-generational family business in the financial services industry, A.G. Edwards, that was ultimately acquired by Wachovia and then Wells Fargo. Tad took the pen on the next chapter of the family legacy by starting the firm Benjamin F. Edwards, and is now joined in the business by his son, Ben. On today's episode, New Growth from Deep Roots with Tad and Ben Edwards of Benjamin F. Edwards. Special Guests: Benjamin (Ben) F. Edwards V and Tad Edwards.

Len Tannenbaum discusses trends to watch in private credit. He discusses the fall in private credit and warning signs investors should watch out for. He says, "in the medium term [private credit] could be challenged."======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Many yoga teachers and wellness practitioners were taught how to serve, not how to build a business—and it's keeping them stuck in low-paying studio work, overbooked schedules, and chronic burnout.In this episode, I'm joined by Summer Huntington, business coach and movement innovator, for a grounded, honest conversation about what it actually takes to move from the studio hustle into a sustainable, profitable wellness business—without burning out or betraying your values.We break down the mindset shifts, systems, and skills that help practitioners step into true business ownership and create consistent income through private clients, signature methods, and scalable offers.If you're a yoga teacher, movement professional, or wellness practitioner who wants more income, more autonomy, and more nervous-system-safe growth, this episode is for you.In This Episode, We Cover:The Studio Trap: Why studio-based work often leads to burnout—and how to break free without burning bridgesBuilding Private Clients: How to confidently price, market, and sell 1:1 services without feeling salesyPractitioner → Business Owner: The essential skills most trainings skip (sales, copywriting, content, systems)Investing in Mentorship: How coaching, masterminds, and proximity accelerate income and clarityCreating a Signature Method: Turning your experience into manuals, workshops, and scalable programsOverwhelm & Capacity: Why feeling overwhelmed doesn't mean you're failing—it means you're expandingIdentity Shifts: What must change internally to hold higher income and leadership rolesCommunity & Live Events: How in-person connection and networking open unexpected doorsPractical Next Steps: Simple, realistic actions to move from “just getting by” to truly thrivingThis episode is a powerful reminder that you don't need to work more hours to earn more money—you need the right strategy, identity support, and systems to grow sustainably.

Welcome to the 18th episode of the Alts Pulse, a collaboration between iCapital x Alt Goes Mainstream. In the latest episode of the Alts Pulse, a live conversation in studio with Lawrence Calcano, the Chairman & CEO of iCapital, Lawrence and I go global. We discussed his recent trip to Asia to peer into the nuances of the different wealth management markets around the globe.As the leader of a platform with over $300B of assets that is responsible for the majority of individual and advisor-led investment flows into the alts space, Lawrence and iCapital have their finger on the pulse of what's happening in private markets across the globe.Lawrence and I had a fascinating discussion. We covered:Lawrence's recent trip to Asia and the pulse on the ground.Asia's growing interest in private markets.How wealth management market structures differ across the globe and what it means for alternatives distribution.Data-driven personalization for investors.Thanks Lawrence for a great conversation … look forward to the next episode! Show Notes00:00 Introduction to the Latest Episode of the Alts Pulse00:18 Insights from Asia00:40 Comparing Asia and US in Private Markets01:43 Wealth Management Market Structure02:06 iCapital's Focus on Technology02:49 Advisors' Allocation to Alternatives03:13 Evergreen Products and Client Needs03:53 HSBC and iCapital Surveys04:22 Global Adoption of Evergreen Products05:13 Distribution and Education in Private Markets06:15 Model Portfolios and Custom Exposures08:03 Strategic Distribution for GPs08:19 Global Distribution Expansion12:33 Personalization in Wealth Management14:01 Data-Driven Personalization14:45 Private Banks and Alternative Allocations16:37 Thoughts About GPs and Distribution17:24 Balancing Personalization and Scale

ถ้าพูดถึงสถาบันทางการเงินที่มั่นคงที่สุดในโลกก็คงหนีไม่พ้น ‘สวิตเซอร์แลนด์' ประเทศที่สถาบันทางการเงินได้รับความเชื่อมั่นจากลูกค้าอย่างสูงที่สุด และเป็นแหล่งรวมของนักลงทุนรายใหญ่ หรือลูกค้าที่มีความมั่งคั่งสูงติดอันดับโลก . แต่คนเหล่านี้มีวินัยทางการเงินที่แตกต่างจากคนทั่วไปอย่างไร? และธนาคารสวิสใช้กลยุทธ์อะไรในการปกป้อง และขยายความมั่งคั่งให้กับลูกค้าอย่างยั่งยืน? . โดยรายการพอดแคสต์ MM ในวันนี้จะพาทุกคนไปพูดคุยกับคุณแอนนาเบล ที่ปรึกษาการลงทุนหรือ Private Banker ประจำกรุงเจนีวา ประเทศสวิตเซอร์แลนด์ ที่จะมาเผยความท้าทายของการบริหารความเสี่ยงในยุคปัจจุบัน และหลักคิดที่ทำให้เศรษฐีโลกยังคงรักษความมั่งคั่งได้อย่างมั่นคง . . #wealth #MissionToTheMoon  #MissionToTheMoonPodcast

Peter Thiel has been under scrutiny lately. Among his ventures, Praxis stands out as an unusual and under-reported project focused on creating private cities. Discover the ideological roots, Thiel's involvement, and the potential dangers associated with this endeavor. Help create a more humane, sustainable world for all living creatures at FarmKind. FarmKind is currently matching 50% of donations, directly supporting charities promoting humane animal agriculture practices. Music Credits:Tears Through You by CubbyBlood in the Soil by Luke AtencioAlaska by Luke AtencioBeyond Words by SublabBirth by Makeup and Vanity SetFlow by Brendon MoellerYour Evening Footsteps Humming by Sad MosesGood Morning by LaxcityTransformacion by Makeup and Vanity SetTimes New Roman by Makeup and Vanity SetSeason of the Creep by Sad MosesTrain Dreams by Sad Moses"Waunobe March" Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 4.0 00:00: The Announcement of Freedom Cities02:50: Peter Thiel's Involvement03:55: The Ideological Backbone06:07: Who is Praxis?10:37: Sponsor: FarmKind11:56: How Would Praxis Operate?15:30: The Danger We Face19:44: A Message #PeterThiel #Praxis #privatecities #FreedomCities #ideology #sustainability #humaneagriculture See show notes: https://inlet.fm/epoch-philosophy/episodes/694ad8cf8636c15e821700b3 Learn more about your ad choices. Visit podcastchoices.com/adchoices

Law enforcement Explorer programs were created to mentor teens interested in policing. But decades of weak oversight created an environment where officers could manipulate that trust. Some exploited their roles, using their authority to groom, abuse, and silence the very teens they were entrusted to guide.Resources:RAINN – Rape, Abuse & Incest National Network: 24/7 hotline and resources for survivors of sexual assault and abuse. Call 1-800-656-HOPE (4673) or visitrainn.orgNational Sexual Violence Resource Center (NSVRC): Research, education, and tools to support prevention and survivor recovery. Visitnsvrc.orgJoyful Heart Foundation: Works to transform the response to sexual assault, domestic violence, and child abuse, while supporting healing and survivor advocacy. Visitjoyfulheartfoundation.orgChildhelp National Child Abuse Hotline: Confidential support for anyone concerned about child abuse. Call 1-800-4-A-CHILD (1-800-422-4453) or visitchildhelphotline.orgVictimConnect Resource Center: Provides free, confidential support and referrals for people affected by crime, including sexual abuse and misconduct by authority figures. Call 1-855-4-VICTIM (855-484-2846) or visitvictimconnect.orgNational Child Traumatic Stress Network (NCTSN): Expert guidance, therapist locators, and educational tools for families navigating trauma and abuse. Visitnctsn.orgBloom365: Youth-focused organization working to end teen dating abuse, sexual violence, and trauma through prevention, peer advocacy, and healing services. Call or text the Bloom helpline at 1-888-606-HOPE (4673) or visitbloom365.orgCDC – Child Sexual Abuse Prevention: Evidence-based strategies and data about child sexual abuse in the U.S. Visit cdc.gov/violenceprevention/childsexualabuseState Child Abuse and Neglect Reporting Numbers: Directory to report child abuse to agencies. Visit childwelfare.gov/state-child-abuse-and-neglect-reporting-numbers988 Suicide & Crisis Lifeline: Provides 24/7, free and confidential support for people in distress, prevention and crisis resources. Call 988 or visit988lifeline.orgCrisis Text Line: 24/7 mental health support via text. Text "HOME" to 741741 or visitcrisistextline.orgNational Domestic Violence Hotline: Support for those experiencing abuse or coercive control. Call 1-800-799-SAFE (7233), text "START" to 88788, or visitthehotline.orgLove is Respect: Help for teens and young adults in abusive relationships.Call 1-866-331-9474, text "LOVEIS" to 22522, or visitloveisrespect.orgNational Center for Victims of Crime: Provides advocacy, legal information, and trauma-informed resources for survivors of sexual abuse, harassment, and exploitation. Visitvictimsofcrime.orgMale Survivor: Support for male survivors of sexual abuse and assault, including institutional or authority-based abuse. Visitmalesurvivor.orgStaying Safe in Youth Law Enforcement Programs:If you or your child is involved in a Police Explorer program – or any youth mentorship run by law enforcement – there are steps you can take to reduce risk and create safer boundaries.Ask direct questions. Who runs the program? What are the policies around texting, ride-alongs, and one-on-one interactions? Are there rules that limit contact between adult officers and minors outside of scheduled events?Insist on transparency. Reputable programs should have clear, written guidelines about communication, supervision, and conduct. Ask to see them.Monitor ride-alongs. Know who your child is riding with, how long they're gone, and what the reporting procedures are.Watch the tech. Officers or advisors should never be Snapchatting, DMing, or texting minors privately. Monitor app usage and discuss healthy boundaries.Get involved. Show up to meetings. Get to know the adults running the program. Your presence as a parent or guardian helps make the space safer for everyone.Keep communication open. Let your child know they can talk to you about anything -- especially if something makes them uncomfortable. Make it clear that they won't be in trouble for speaking up.Getting Help:If you or someone you know has experienced abuse in a Police Explorer or similar youth program, here's what to do:Believe them. If a child or teen discloses abuse, believe what they say. Stay calm, listen, and affirm that it's not their fault. Praise them for coming forward.Report it. If the child is in danger, call 911. Otherwise, contact your local police, sheriff's department, or state child protection agency. If you're concerned local police might have a conflict of interest, contact your state police, state attorney general, or the FBI.Document/preserve everything. Save messages, screenshots, call logs — anything that could help support the report.Seek emotional support: Abuse by a trusted adult is incredibly disorienting. You and/or your child deserve compassionate care from someone trained in trauma -- like a therapist, school counselor, or crisis line advocate.Connect with survivor resources. Many organizations offer specialized support for young people.Consult legal counsel: Some survivors explore civil legal action against individuals or institutions. An attorney familiar with institutional abuse cases can help assess your options.Red Flags: Signs of Grooming or Abuse in Explorer Programs:Abuse by authority figures often begins with grooming -- a gradual, often-subtle process that builds trust before violating it. Here are common warning signs in youth law enforcement programs:“Special” treatment. One teen is singled out for attention, gifts, mentorship, or exclusive opportunities not given to others.Excessive one-on-one contact. Repeated private ride-alongs, late-night messages, or invitations to hang out off-duty.Private communication. The adult uses personal texting apps, Snapchat, Instagram DMs, or other unmonitored channels to talk to a minor.Overstepping/blurring boundaries. Inappropriate compliments, jokes about relationships, or sharing personal details not appropriate for a mentor-mentee dynamic.Isolation. The adult discourages the teen from talking to others about their relationship or makes the teen feel responsible for their secrecy.Gaslighting or guilt. The adult blames the teen for misunderstandings, manipulates their emotions, or makes them feel they'll “ruin someone's life” if they speak out.Physical contact. Touch that's unnecessary, prolonged, or makes the teen uncomfortable -- even if it's framed as casual or accidental. You can learn more about The Good segment and even submit a story of your own by visiting The Good page on our website! Source materials for this episode cannot be listed here due to character limitations. For a full list of sources, please visit:  https://crimejunkiepodcast.com/scandal-police-explorer-programs/Did you know you can listen to this episode ad-free? Join the Fan Club! Visit https://crimejunkiepodcast.com/fanclub/ to view the current membership options and policies.Don't miss out on all things Crime Junkie!Instagram: @crimejunkiepodcast | @audiochuckTwitter: @CrimeJunkiePod | @audiochuckTikTok: @crimejunkiepodcastFacebook: /CrimeJunkiePodcast | /audiochuckllcCrime Junkie is hosted by Ashley Flowers and Brit Prawat. Instagram: @ashleyflowers | @britprawatTwitter: @Ash_Flowers | @britprawatTikTok: @ashleyflowerscrimejunkieFacebook: /AshleyFlowers.AF Text Ashley at 317-733-7485 to talk all things true crime, get behind the scenes updates, and more! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Welcome back to the Law School Toolbox podcast! Today, we have another episode in our "Listen and Learn" series. This time, we're talking about nuisances (public and private).   In this episode we discuss: How does nuisance show up on an exam? The similarities and differences between public and private nuisance Defenses to nuisance claims Analyzing a hypo from the California First-Year Law Students' Examination from June 2014 How to structure your answer to a question involving nuisance A reminder to extract individual facts from the fact pattern and figure out why each one matters Resources: "Listen and Learn" series (https://lawschooltoolbox.com/law-school-toolbox-podcast-substantive-law-topics/#listen-learn) California First-Year Law Students' Examination, June 2014 (http://www.calbar.ca.gov/Portals/0/documents/admissions/fyx/FYLSX_June2014_Essay_Questions.pdf) Podcast Episode 257: Listen and Learn – The "Reasonable Person" Standard (https://lawschooltoolbox.com/podcast-episode-257-listen-and-learn-the-reasonable-person-standard/) Podcast Episode 265: Listen and Learn – Constructive Eviction (https://lawschooltoolbox.com/podcast-episode-265-listen-and-learn-constructive-eviction/) Download the Transcript  (https://lawschooltoolbox.com/episode-535-listen-and-learn-public-and-private-nuisance/) If you enjoy the podcast, we'd love a nice review and/or rating on Apple Podcasts (https://itunes.apple.com/us/podcast/law-school-toolbox-podcast/id1027603976) or your favorite listening app. And feel free to reach out to us directly. You can always reach us via the contact form on the Law School Toolbox website (http://lawschooltoolbox.com/contact). If you're concerned about the bar exam, check out our sister site, the Bar Exam Toolbox (http://barexamtoolbox.com/). You can also sign up for our weekly podcast newsletter (https://lawschooltoolbox.com/get-law-school-podcast-updates/) to make sure you never miss an episode! Thanks for listening! Alison & Lee

Connect with us:Instagram: @successfulnursecoachesWebsite: www.thesuccessfulnursecoaches.comJoin our Facebook Group: https://www.facebook.com/groups/thesuccessfulnursecoachIn this solo episode, Laura delivers one of the most honest and confrontational conversations the Successful Nurse Coach Podcast has ever held. After a behind-the-scenes moment with mentors that shook her perspective, she unpacks a core issue holding nurses back from real impact: the inability to receive. This episode explores how nursing culture conditions martyrdom, why under-earning is not ethical, and how learning to receive money, praise, and support is essential for leadership, sustainability, and changing healthcare. If this episode makes you uncomfortable, that is the point. Discomfort is where deconditioning begins.In this episode, Laura shares:Nurses do not have a money problem. They have a receiving problem.Nursing culture rewards overgiving, endurance, and martyrdom while discouraging receiving.Impact in private practice is not based on hours worked but on outcomes created.Underearning does not make nurses more compassionate. It makes them exhausted, resentful, and exploitable.Learning to receive is an ethical responsibility if you want to lead and create change.Money creates safety. Safety creates clearer thinking. Clearer thinking creates better care.Private practice and nurse coaching force growth by requiring nurses to receive without guilt.Martyrdom is not moral high ground. It is a business model, and nurses have been the product.Receiving allows you to give from excess, alignment, and regulation instead of depletion.You cannot heal healthcare while financially depleted and resentful.If nurses want to lead the next evolution of healthcare, they must unlearn martyrdom and master receiving. Receiving is not greed. It is regulation, capacity, and leadership in action.Watch full episode on YouTubehttps://youtu.be/554LgCwFq3gIf you loved this episode…Please take 30 seconds to subscribe, rate, and leave a review — it helps more nurses find this work and fall in love with the boring parts too.Mentioned in this episode:Join NLCA Cohort 6https://www.nurselifecoachacademy.com/certification

Check out our Bootcamp!Snag Our Simplified Budget System! Check Out Kerri's Podcast!Budget besties, we're coming in hot with the perfect episode to close out the year and set you up for major wins in 2026.

In this episode, I am sharing 3 simple ways that will support you in soaring in 2026. If you haven't subscribed to the newsletter for exclusive events, offerings and announcements make sure you are on the newsletter here: www.KellyLynnAdams.com If you are looking for support in this season here are a few ways that are available (spaces are limited and investments increase in 2026): Private 1:1 Consulting, Advising, Coaching & Mentorship VIP Immersion In-Person & Virtual Experiences The Elevate 6 Month Mastermind & The Luxury Leadership Lab (only 10 spaces opening) 30 Day VIP Accelerator CEO Reset Experience (only 3 spots remaining for 2025) The Inner Circle Paid Community + Movement is being elevated and upgraded, for more information message us CEO Circle Society. And if you haven't checked out The Luxury Digital Library of bite size business trainings on the website, head on over there now: www.KellyLynnAdams.com/services Make sure to subscribe to this podcast and leave a review, and share with a friend and tag us at @kellylynnadams

Brandon Schuh sits down with Dean Hildebrandt, President and CEO of Assurex Global, to explore how mega-broker consolidation is reshaping the insurance brokerage landscape. As consolidation accelerates in 2025, with mega-brokers absorbing smaller firms through billion-dollar acquisitions, including Willis Towers Watson's $1.3 billion purchase of Newfront and Baldwin Group's $1 billion acquisition of CAC Group, the conversation reveals how private equity is driving transactions that, while profitable for financial sponsors, leave clients, carriers, and employees bearing the costs. Dean brings two decades of expertise from his leadership at Associated Benefits and Risk Consulting and his pivotal role at Ahmann-Martin before joining Assurex.Dean challenges the prevailing narrative around these mega-deals, arguing that the real winners aren't clients or carriers but private equity firms extracting value through EBITDA portfolio plays. Throughout the episode, he details how consolidation is accelerating talent acquisitions and market share gains for independent, regionally-focused brokers like those in the Assurex network, firms that prioritize relationships, client service, and stability over spreadsheet metrics. The discussion also highlights Assurex's structural innovation: the launch of AG London, a first-of-its-kind London wholesale broker owned by 30 Assurex firms that operates under perpetual independence and cannot be acquired or sold.As the industry looks ahead to 2026-2027, Dean and Brandon examine how technology and AI will reshape brokerage operations while emphasizing that true competitive advantage lies in understanding the full value chain. The episode underscores a fundamental tension in modern insurance. Whether consolidation will create better client outcomes or simply enrich financial sponsors while destabilizing the very firms and relationships that hold the industry together. For independent brokers navigating this landscape, the conversation offers both cautionary lessons and a compelling vision of an alternative future.Chapters02:30 – Wine recommendations and AI tool comparisons07:00 – Introduction to Dean Hildebrandt and his background10:00 – Dean's entry into brokerage and early career with Ahmann-Martin14:00 – Overview of 2025 consolidation trends and mega-broker activity16:30 – Willis Towers Watson acquires Newfront for $1.3 billion19:00 – Baldwin Group purchases CAC Group for $1 billion22:00 – Private equity's role in driving M&A transactions26:00 – How consolidation impacts clients, carriers, and employees31:00 – The absence of client perspective in private equity discussions35:00 – Deal sizing and EBITDA economics in mega-acquisitions39:00 – Why independent brokers are thriving amid consolidation42:00 – Introduction to Howden's US market entry strategy46:00 – Assurex's strategic response: AG London launch and structure51:00 – Dean's journey to Assurex Global leadership54:00 – Technology, AI, and automation in brokerage operations58:00 – How carriers are adapting to industry transformation61:00 – Conclusion and future outlook for independent brokerageConnect with RiskCellar:Website: https://www.riskcellar.com/Brandon Schuh:Facebook: https://www.facebook.com/profile.php?id=61552710523314LinkedIn: https://www.linkedin.com/in/brandon-stephen-schuh/Instagram: https://www.instagram.com/schuhpapa/Nick Hartmann:LinkedIn: https://www.linkedin.com/in/nickjhartmann/ Dean Hildebrandt - President & CEO, Assurex GlobalWebsite: https://www.assurexglobal.com/LinkedIn: https://www.linkedin.com/in/dean-hildebrandt-09810baAbout Assurex Global:Founded in 1954, Assurex Global is the world's largest privately held commercial insurance, risk management, and employee benefits brokerage group, combining local expertise with global reach across more than 600 partner office

Our heroes head to a memorial for these deceased friend, only to be attacked by android terrorists! Join our Intrepid Heroes as they solve the mystery of the Murder in Metal City! Cast: Jason Keeley – GM Alex Speidel – Patsy Van Dyne Isis Wozniakowska – Voss Seltee Jocelyn Hamilton – Together in Electric Dreams […]

Global Chief Strategy Officer Howe Ng discusses the private market landscape, emphasizing the increasing value creation within this asset class. He anticipates a strong IPO market in 2026, with potential public offerings from high-profile companies like SpaceX, OpenAI, and Anthropic, collectively valued at over $1.4 trillion. Ng stresses the importance of data-driven transparency in the private market, exemplified by Forge Price, which provides daily pricing standards and implied valuations for late-stage VC companies.======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

"Public markets are behaving more like private markets. Private markets want to behave more like public markets. So actually, they're just one market.What's not the same is the level of research, information, data disclosure. Correct. That's the only difference. It's this information gap that, to us, is the single biggest opportunity now.We think over the course of the next five to 10 years, there'll be more trading venues, more liquidity providers, more market makers, more investor types—all of that. And I think what Smartkarma has always done is be the information flow for part of capital markets.In fact, that sort of 74 billion number, I think, is quite conservative. I've seen other estimates that are close to 120 billion. So it depends on what you see as sort of growth and what you see beyond. But regardless, I think it's very large numbers, and the ratio of exit to invested capital is extremely low. A 50 billion hole is a pretty big hole." - Raghav Kapoor, CEO of SmartkarmaRaghav Kapoor, CEO & co-founder of Smartkarma, joined us for a conversation on the launch of PvtIQ and the structural transformation of Asia's private markets. Drawing from his experience building Smartkarma's independent research platform, Raghav explained how client demand for pre-IPO coverage led to creating PvtIQ, an intelligence platform designed to bridge the critical information gap in Southeast Asia's private markets. We discussed the striking imbalance where $74 billion has been invested into the region's tech ecosystem but only $23 billion has been returned through exits, highlighting the urgent need for better data infrastructure and price discovery. Raghav shared unique insights on how families dominate the region's investment landscape, why private and public markets are converging into one, and his vision for PvtIQ to become the intelligence backbone supporting companies, investors, and regulators in bringing more transparency and efficiency to Asia's rapidly evolving private market ecosystem.Episode Highlights:[00:00] Quote of the Day by Raghav Kapoor[00:57]] Smartkarma launches PvtIQ for Asia's private markets[03:11]] Investors requesting coverage three years before IPO[04:08]] Supporting MAS equity market development program[05:24]] Singapore's public markets languished despite private growth[06:13]] Path from fundraising to public listing explained[08:37]] $74 billion invested, only $23 billion exits[09:45]] Companies need support to achieve IPO readiness[11:00]] Capital chasing deals shifted to improving disclosure[11:57]] Southeast Asia's extreme market fragmentation challenges[13:23]] Families dominate and influence Southeast Asian markets[14:38]] Lack of data creates serious structural challenges[19:01]] Private market investors transitioning from momentum investing[20:18]] Digital banks provide disclosure model for research[21:24]] Late stage private rounds resemble public IPOs[23:26]] Liquidity without information is just volatility[24:06]] Private and public markets converging into one[25:30]] Information gap is the single biggest opportunity[27:00]] Private market research TAM already $8 billion[28:57]] What great looks like: intelligence backbone for Asia's private markets[30:57]] ClosingProfile: Raghav Kapoor, CEO and co-founder, SmartkarmaLinkedIn: https://www.linkedin.com/in/ragkap/Podcast Information: Bernard Leong hosts and produces the show. The proper credits for the intro and end music are "Energetic Sports Drive." G. Thomas Craig mixed and edited the episode in both video and audio format. Recorded in Poddster Singapore

This episode is brought to you by Wirana Shipping Until the opening decade of this century, shipowners were among the chief beneficiaries of what was known at the time as ‘relationship banking'. The market was dominated by a handful of British and German banks, who usually just allowed their ship finance teams to get on with it and didn't ask too many questions. It seemed that there were few problems that couldn't be sorted out over a three-bottle lunch at a rather expensive restaurant. If the top brass were ever sufficiently impertinent as to ask why leniency had yet again been extended, they were told they simply didn't understand the cyclical nature of the shipping industry. Then a bunch of derivatives traders came along and spoiled the party. In the wake of the global financial crisis of 2008 onwards, shipping loans could be bought for just cents on the dollar and bad shipping loans even forced a number of long-established banks to close their doors altogether. Private equity rushed in and, by and large, lost its shirt. To repurpose the earlier euphemism, it simply didn't understand the cyclical nature of the shipping industry and was never going to wait around long enough to get its money back. While European banks still lend to blue chip shipowners, many smaller and medium-sized owners have turned to Asian, and especially Chinese, leasing companies to source their S&P needs. For a while that worked, especially because the Asian lenders were politically mandated to keep domestic shipyard orderbooks as full as possible. But even that arrangement has been under strain in the last 12 months, thanks to tariff and port fee tensions between Washington and Beijing. So what happens now? If you need to borrow money next year, who is going to lend it to you and how much will you be expected to pay? Joining David on the podcast this week are: Stephen Fewster, global head of shipping finance, ING Bank Pankaj Khanna, chief executive, Heidmar Maritime Holdings Dimitris Karamacheras, partner, Hill Dickinson

From debates over politics, antisemitism, and public representation to disagreements over kugel recipes, Jews are not immune to the profound polarization that characterizes society today. How do Jews relate to each other—and the world—when disagreements run so deep? In this episode of TEXTing IRL, Elana Stein Hain and Jeremy Burton, CEO of the Jewish Community Relations Council of Greater Boston, examine the growing fractures within Jewish communal life through the lens of Parashat Vayiggash, wrestling with questions of relationship, unity, and advocacy. We are grateful to Micah Philanthropies and the Walder Charitable Trust for their generous support of TEXTing IRL. Episode Source Sheet Watch the video version of this episode ⁠here⁠. You can now sponsor an episode of TEXTing. Click HERE to learn more.  JOIN OUR EMAIL LIST FOR MORE HARTMAN IDEAS

What does it really look like to live as a professional high-stakes gambler at the very top of the casino food chain? In this episode, Johnny sits down with RJ “Chip” Ryan — a legendary blackjack whale who spent decades betting millions per hand in casinos from Atlantic City to Las Vegas to Macau. RJ tells the raw, unfiltered story of how he went from a broke gambler driving to Atlantic City with his last $5,000, to carrying $10 million in checks, flying private jets, rubbing shoulders with billionaires and celebrities, and taking casinos for millions of dollars at a time. RJ is also known to many as “Robin Hood of Las Vegas” from the Cocaine Cowboys universe — the man who helped launder cartel money through casinos, later cooperating with the feds and offering a very different version of events than what's been told on screen. This episode dives deep into: -The real math and psychology behind winning at high-stakes blackjack -How casinos court, reward, and ultimately try to break whales -Blowing millions in a single night — and coming back the next day to win it all back -Private jets, penthouse suites, celebrity parties, and casino politics The emotional toll of gambling, addiction, loyalty, karma, and survival -RJ's personal reckoning after caring for his mother, losing everything, and betting his life on one final run This is not a glamorized gambling story — it's a brutally honest look at the highs, lows, wins, losses, and moral gray zones of a life lived on the edge. Stick around until the end and decide for yourself: Was RJ a genius, a degenerate, a hustler — or all three? This Episode Is #Sponsored By The Following: Ridge! Take advantage of Ridge's Biggest Sale of the Year and GET UP TO 47% Off by going to https://www.Ridge.com/CONNECT #Ridgepod CashApp! Download Cash App Today: https://capl.onelink.me/vFut/1ekoiacn #CashAppPod. Cash App is a financial services platform, not a bank. Banking services provided by Cash App's bank partner(s). Prepaid debit cards issued by Sutton Bank, Member FDIC. See terms and conditions at https://cash.app/legal/us/en-us/card-agreement. Cash App Green, overdraft coverage, borrow, cash back offers and promotions provided by Cash App, a Block, Inc. brand. Visit http://cash.app/legal/podcast for full disclosures. Betterhelp! This December, start a new tradition, by taking care of you. Our listeners get 10% off at https://betterhelp.com/connect Join The Patreon For Bonus Content! https://www.patreon.com/theconnectshow 00:00 Intro: High Stakes Gambling Stories 01:19 Growing Up in Philly & The Family Hustle 04:44 Early Gambling Influences & Lessons 08:09 Professional Gambling: Setting Goals 13:19 The Turning Point: Mother's Illness and Debt 16:35 This Episode Is Sponsored By RIDGE 18:25 Building a High Roller Reputation 29:01 Life as a Whale: Jets, Parties & Big Wins 36:46 Vegas High Roller Lifestyle & Big Losses 43:34 A Word From Today's Sponsors 46:15 International Gambling & Casino Barred Stories 01:00:53 Advanced Blackjack Strategy & Discipline 01:12:12 Vigilante Gambler: Involvement With Law Enforcement 01:28:01 The Robin Hood 702 Charity Era 01:37:08 Australia, Owen Hanson & The Money Laundering Allegation 01:58:46 Confrontations, Lawsuits & Truth vs. Documentary 02:12:08 Working with the Feds: Taking Down Criminals 02:31:02 Cartel Connections & Final Reflections 02:38:44 Outro: The High Roller's Ongoing Journey Learn more about your ad choices. Visit podcastchoices.com/adchoices

Episode 269- The Nightmare Before Christmas Also Available OnSearchable Podcast Transcript Gun Lawyer — Episode 269 Transcript SUMMARY KEYWORDS Second Amendment, New Jersey Democrats, gun laws, machine gun conversion devices, digital instructions, firearm components, gun owner gulag, cash bail, pre-trial detention, carry killer bill, sensitive places, gun rights, constitutional rights, gun lawyer. SPEAKERS Evan Nappen, Speaker 2, Teddy Nappen Evan Nappen 00:15 I’m Evan Nappen. Teddy Nappen 00:17 And I’m Teddy Nappen. Evan Nappen 00:19 And welcome to Gun Lawyer. So, the New Jersey Democrats are going to give gun owners a Nightmare Before Christmas. What they are doing is pushing a package of Second Amendment oppression upon us, and they decided that the perfect time to do it is right before Christmas. On Monday, December 22, the Senate will be having a voting session. They’re going to be looking at bills that we’re going to talk about right now, and you need to take action. You know, you need to let the legislators know that you oppose this. Hopefully you belong to the Association of New Jersey Rifle & Pistol Clubs. If not, you need to join. That’s anjrpc.org. They send out the news releases where you can immediately take action and let the legislature know your feelings on their oppression of our Second Amendment rights as they continue to attack them. Evan Nappen 01:33 Now, we have some very problematic laws that they’re going to be trying to jam through, and I want to make sure that you’re aware of what they are and what they mean. So, we have what is A-4974, and its companion in the Senate is S-3893. (https://www.njleg.state.nj.us/bill-search/2024/S3893) This bill establishes criminal penalties for sale and possession of machine gun conversion devices. Now, of course, these things are already banned. They’re already banned under federal law and state law, but New Jersey just can’t ban something enough, right? So, they’re just duplicating here even more bans upon bans. This is supposedly addressing so-called Glock triggers, but New Jersey usually finds a way to expand it to all kinds of other nonsense. We’ve seen these things lead off into false charges over devices that are not designed to convert to machine guns, but instead designed to simply improve accuracy and a trigger or those kind of things. So, these things are just problematic, and they’re just putting bans on top of bans. And they just want to make sure their name is on a piece of law where they’re “doing something about it”. You know, to sell red meat to their base. So, we have that to deal with. Page – 1 – of 10Evan Nappen 03:16 Additionally, we have A-4975 and the Senate companion bill is S-3894. (https://www.njleg.state.nj.us/bill-search/2024/A3894) This bill establishes a crime of possessing digital instructions to illegally manufacture firearms and firearm components. Now, keep in mind, back in 2018 Murphy signed a law banning the use and sale these digital files already, but this bill is even worse. The mere possession of the files will result in incredibly harsh penalties, even if you unknowingly possess them on a long forgotten computer, etc. So, New Jersey is turning firearm information, pure firearm digital information, into the equivalent of possessing child pornography. Simple possession of the digital file itself. Evan Nappen 04:20 It doesn’t matter that you never had any intention to actually build a firearm, but this gun information is itself being turned into contraband. Now, of course, this brings in First Amendment issues as well as Second Amendment issues, and I’m sure this will as well be subject to challenge. But nonetheless, it puts gun owners at risk that utilize internet and such for downloads of different things. Strictly for informational purposes. Even though you had no intent to 3D print a gun or not, or to use it with a CNC machine to make guns or even gun parts. So, this bill is another oppression of Second Amendment rights, and this time an oppression of First Amendment rights. But since when do Democrats care about rights? So, you need to oppose this as well. Evan Nappen 05:25 There is another bill, Assembly 4978, and the Senate companion is 3897. (https://pub.njleg.gov/Bills/2024/S4000/3897_I1.HTM) Now, this bill requires the Attorney General to report data regarding shootings that did not result in bodily injury. This type of data accumulation is used so then they can twist it into political fodder to further pass other Second Amendment oppression laws. This is their game. So, this is a step in, you know, focusing on the potential discharge law, making accidents into crimes, and using it to become automatic licensing disqualifiers, what become essentially per se felonies. This is how their evil works. This is what they do. This is their machinations, and this is the beginnings of them laying the groundwork to do that very thing. We’ve seen this playbook before, as they put data together that they then abuse in the manner that suits their purposes. So, of course, we have to fight this. Evan Nappen 06:53 Another incredibly serious other bill that’s in the Nightmare Before Christmas is Assembly 4981. The companion is S-3900. (https://www.njleg.state.nj.us/bill-search/2024/A4981) Now, this bill is a Gun Owner Gulag enhancement bill. This law will take the Gun Owner Gulag and make it even worse. So, as you should be familiar, but I want to make sure you are, New Jersey has the Gun Owner Gulag, which is New Jersey’s elimination of cash bail. In getting rid of cash bails, like so many progressive blue states took those actions to do that in the specifically during the, you know, defund police movement and all that. You normally hear about the cashless bails being utilized, where actual criminals, bona fide bad guys, you know, rapists, murders, etc, are put in a revolving door and released very quickly out in the street, particularly if they have other characteristics that the Left is favoring, such as being, you Page – 2 – of 10know, illegally in the country and things like that. They want those people out fast. So, it gets used in that way. Evan Nappen 08:15 But when it comes to weaponization of it against gun owners, well, that’s a different story. They want to imprison us. Okay? So they want to make sure that any gun owner that has a problem, well, they’re going to be subject to the Gulag, where they’re going to be held without bail until their trial, because there is no more bail in New Jersey. And what happens is the prosecutor seeks what is called pre-trial detention. And if pre-trial detention is granted, you’re going to sit in jail, having been proven guilty of nothing, until your trial, and that can be months or years. So, this is the Gulag, and that’s how it operates. Well, that’s bad enough. We fight these Gulag cases all the time, trying to get gun owners out because just about any gun offense is a felony level. New Jersey calls them crimes, and they’re normally warrant offenses. You get arrested and then you’re put through the Gulag where you’re held for 48 hours while the prosecutor decides whether to seek pre-trial detention or not. Evan Nappen 09:20 And their policies are, generally, in every gun case, they seek the Gulag, which is to hold you without bail. So, you’re going to be held at least, normally, another five days before your hearing, where your attorney will finally get to argue to get you out. And if your attorney is not successful in doing that, you are staying in with no bail. Well, this bill is an enhancement to that. It will allow the court to take even more time on any firearm offense where they get to hold you for yet another seven days, so that an operability report can somehow be provided regarding the operability of a firearm, which is often irrelevant to the criminal charge, especially in New Jersey. Operability is not even necessarily required for a firearm conviction, but here the abuse of it will be added into the Gulag’s initial holding of the gun owner. So, now you’re going to be arrested on the warrant charge on whatever the allegation of the firearm offense is, even though you’re innocent, it won’t matter. It’s a gun offense. So, the 48 hours, the prosecutor by way of their policy is going to hold you seeking pre-trial detention. Then that pre-trial detention hearing has to get scheduled within, arguably, five days, and normally it’s about that, five days, before you have the hearing. Evan Nappen 10:57 But if we get to that hearing and they say, oh no, we want another seven days, at least, here the seven days to get an operability report. So, now you’re going to be in jail for approximately two weeks, two weeks, without bail, because there is no bail. And that’s just to get you to the hearing so your attorney can try to argue to defeat the prosecutor’s motion for pre-trial detention. And they’re going to now throw this into the mix. So, you can figure with any gun arrest, you know, you’re falsely accused of being in a “sensitive place” or you’re falsely accused of possession of an assault firearm, or you’re falsely accused of unlawful possession of your handgun. You know all kind of false charges and gun rights oppression that I deal with all the time in practice. Well, you’re going to be at least two weeks in jail now before we can even get you out so we can fight the charge that will eventually get you acquitted of. Isn’t that cute? And that’s if your attorney knows how to get you out and succeeds in doing so. Because if not, you’ll just sit in jail until your trial to finally prove that. So, this is the just horrible addition to the Gun Owner Gulag. Page – 3 – of 10Evan Nappen 12:20 These bills need to be fought, and they need to be fought vigorously. Make sure you make your voices heard. Make sure you belong to ANJRPC, the Association of New Jersey Rifle & Pistol Clubs. They have a full-time paid lobbyist. They have a vigorous process here trying to fight this, but of course, we’re dealing with a state where it is a tremendous battle for the forces of constitutional rights protection. Here to succeed, it’s a difficult, challenging environment, but we have to keep up the fight. We have to make our voices known, and we can make changes. As a matter of fact, that Gulag bill, the Association was able to change the original form where it was an indefinite amount of time until they finally got the report. At least it’s been modified to a mere seven days extra. So, now it’s only two weeks in jail, guilty of nothing. Simply because you lawfully exercised your rights in New Jersey. So, these laws are terrible. They are more oppression from our oppressors. We need to fight it and make sure you do. Evan Nappen 13:44 Now, on a little bit of a Christmas gift here, despite the nightmare that the New Jersey Democrats are placing upon us. I do want to mention that thanks to President Trump and his appointment of judges throughout the land, not the least of which, of course, is the Supreme Court, getting three conservative constitutionalist judges there. But also his ability to add to the judges of the Third Circuit Court of Appeals. And because of President Trump particularly adding the last two judges that are constitutional judges that understand the significance of the Second Amendment, the full panel of 14 judges has agreed to hear the appeal in the Siegel versus Platkin, which is the Carry Killer lawsuit that challenges all these sensitive places and the other onerous restrictions that were put forward in the Carry Killer bill. And as you may know, the initial appeal with the three-judge panel, the three-judge panel that had ruled not tremendously in our favor, has been wiped out, wiped out. Now, the full panel of 14 judges are going to hear and decide the Carry Killer bill. This is very good news for us. Evan Nappen 15:26 This is something that makes me cautiously optimistic that we’re going to see some protection and our Second Amendment rights enforced, and it’s very, very important. Of course, New Jersey fought tooth and nail to try to stop the full panel from granting the en banc full panel, but the Association, particularly my good friend and colleague, Dan Schmutter, was successful here in having that full panel take the case. So, this will also bode well, because by getting a decision that knocks out most, if not all, of the Carry Killer bill, it’ll also lay the groundwork for the Supreme Court of the United States. If we start getting split decisions in the circuits over these sensitive place gambit that the Second Amendment oppressionists have pulled after Bruen to try to limit our rights, we may, in fact, see even a national case killing it permanently for the country. But here in New Jersey, we stand in good stead at the moment. Evan Nappen 16:47 Keep in mind that, at the moment, where can you carry and what are the categories where you can and can’t carry right now, at the current state. Remember, you cannot lawfully carry, even with a New Jersey carry permit, within 100 feet of a public gathering, demonstration or event requiring a Government permit. You’re still barred from zoos, parks, beaches, recreational facilities or areas owned or controlled by the state, county or local government unit designated as a gun-free zone. Publicly Page – 4 – of 10owned or leased libraries or museums. Bars or restaurants where alcohol is served and any other sites or facilities where alcohol is sold for consumption on the premises. Entertainment facilities. Casinos and related facilities. And healthcare facilities. Evan Nappen 17:41 Now you currently can lawfully carry with a New Jersey carry permit, of course, while this appeal is not resolved. These things are still blocked, though, and you’re able to carry, and this isn’t a complete list. But essentially in vehicles. As you may recall, the carjacker protection law that was built into the Carry Killer law, saying that you couldn’t have your loaded gun on your person in your vehicle. That is still blocked, and we are, we may carry in our vehicle, in that manner. Private property open to the public is no longer and still is not a sensitive place. In public film locations, we are able to carry. Additionally, the ruling is still in effect blocking the insurance requirement. As you may recall, at some point, Murphy issued an Executive Order banning the sale of so-called murder insurance, where you had gun owner protection programs, and then proceeded in the Carry Killer bill to mandate by law that you get actual murder insurance. Meaning insurance if someone commits an intentional act with a firearm, essentially murdering somebody. That’s been blocked. So, we don’t have to have insurance to have a carry license. And blocking certain permit procedures and requirements that were more administrative in nature. Evan Nappen 19:23 So, this is where we’re standing. But the good news is, with the full panel reviewing it, I’m very excited to see that outcome, and so should you. So, there is still hope. There is hope that the judiciary is going to speak for our rights, and that same full panel will be also considering New Jersey’s magazine ban and so-called assault firearm ban. So we are hopeful for some very good outcomes here, and we’ll keep you informed here on Gun Lawyer. Evan Nappen 20:07 Let me also mention our good friends at WeShoot. That’s where Teddy and I both shoot and where we get our training. And you will love WeShoot. WeShoot is a great indoor range right in Lakewood, conveniently off the Parkway. They constantly run great sales, and they have great service, a fantastic pro shop and a state of the art range, great training. I really can’t give it high enough praise. We love WeShoot, and so will you. Check out WeShoot at weshootusa.com. They have a great website with beautiful photographs. And you don’t want to miss the WeShoot girls that are there posing with some of the finest guns that you will ever see. So, make sure you go to WeShoot and take advantage of that fantastic resource for gun owners, right in New Jersey. Evan Nappen 21:11 And let me also shamelessly plug my book, which is New Jersey Gun Law, the Bible of New Jersey gun law. Make sure you get the book, folks. You need this book. It is the guidebook to keeping you safe, out of jail and not committing GOFUs in New Jersey. It’s 120 topics, all question and answer. It fills you in so you will know what the law is. It is the guidebook used by thousands and thousands of gun owners throughout New Jersey. You can get your copy today by going to EvanNappen.com. EvanNappen.com. Hey, Teddy, what do you have for us today? Page – 5 – of 10Teddy Nappen 21:56 Well, one of the things you know, it’s the holidays, Christmas, and everything’s coming along, and all the wins that have been coming through, and all the crazy insanity that you’ve described. I always think back to the show that you introduced me to, Paladin. There’s a particular episode, I think it was even the Christmas episode where Paladin is there. It’s a whole deal with the fan, like, there’s a small, I think it’s like a house living out there. And the ending line to the whole episode is, it’s Christmas. He’s saying to the guy, it’s Christmas. This is the, this is the one day of the year where we pretend there’s no evil. And that kind of sticks with me in the idea of this is supposed to be the time spent with family, and particularly, we can pretend and not think about all the anti-gun jerks and the gun rights oppressors. This is the time to enjoy Christmas movies, particular ones that involve firearms. So, as I was scanning through the internet, I saw one, I love this article, the top 10 Christmas movies with guns. (https://blog.cheaperthandirt.com/top-10-christmas-movies-with-guns/) Hey. Evan Nappen 23:17 So, that is what Christmas should be about. Guns. Teddy Nappen 23:22 Yeah, exactly. And to start things off, of course, they go with the most controversial one, which is Die Hard. Evan Nappen 23:31 Which we will agree is a Christmas movie. Teddy Nappen 23:35 Correct. I’ve heard all the debates. Evan Nappen 23:37 Ho, ho, ho. I have a machine gun. How does it get any less Christmas than that. Teddy Nappen 23:42 And quite simply, it’s not Christmas without Hans Gruber falling off the Nakatomi building. Evan Nappen 23:49 Yeah, and you know what gun he had, right? Teddy Nappen 23:55 So, well, you had Bruce Willis with his Beretta 92 with the focus. Evan Nappen 24:01 Of course. Teddy Nappen 24:02 But there’s also the MP 5. Page – 6 – of 10Evan Nappen 24:05 Yippie IA, Yippie Ki A. Teddy Nappen 24:08 And the P7 M13s. Evan Nappen 24:12 P7 that what Hans there, I believe, had. Teddy Nappen 24:17 Correct. And it was very good gun play in that part, where he’s no bullets, and it tricks him. The next one, this is actually, it’s one of those where it’s like, what the heck is this movie? I had to watch it, though. I think you were there when we watched Fat Man. Evan Nappen 24:36 Oh god, yeah. Teddy Nappen 24:37 It is probably the funniest, like, weirdest film you could watch. We have Mel Gibson and is this whole plot to murder Santa Claus. It’s him fighting, fighting Boyd Crowder from Justified. Walter Goggins. Crazy gun play between a 1911 and the fat man using a Colt Walker. Evan Nappen 25:06 Yep, definitely. It’s an entertaining film. Teddy Nappen 25:12 Yeah, it’s just one of those. I was like, okay, interesting. Now, this is technically Kiss, Kiss, Bang, Bang, which is a Christmas heist of a film. I don’t know if you ever saw it. With Robert Downey, Jr. Evan Nappen 25:26 I may have. Teddy Nappen 25:27 Kind of an action comedy. They’re carrying their Vector CP One. Evan Nappen 25:34 Oh, Vectors are in it. Huh, okay. Teddy Nappen 25:35 Yeah. And, of course, another HK P7. It’s kind of one of one of those, you kind of spot there. But I was like, I didn’t realize it involved Christmas. Page – 7 – of 10Teddy Nappen 25:44 The one I will highlight, though I always thought was funny, he put on Home Alone, one and two. Here’s the reason. Because, remember, the kid, he plays that clip, the black and white movie where he keeps. Evan Nappen 25:44 Well, you know, the P7 used to be the pistol of the New Jersey State Police, but they had over 40 accidental discharges with it, and they gave it up. And that’s because, although it was marketed as being one of the safest guns, the problem is, it’s a front squeeze that cocks the gun, when you squeeze the front. Unlike a 1911 that has a safety on the back, this squeeze cocks from the front. And the problem is, if you, if you’re not practiced and trained well enough, when you draw the gun out of a holster, you’re cocking it as you pull it out, and that creates a situation that is not exactly the safest situation to be in. There were numerous ADs with that gun. So, something to keep in mind. I think they’re cool and a very interesting design, but I remember seeing Superintendent Pagano talking about it. And he basically said, hey, look, it’s not the gun’s fault. He’s blaming his men. How nice of him. Yeah, right. So that was that episode of the gun, in theory, seeming like it may have been one of the safest guns, but in reality, it was prone to needing a lot of training to make sure that you didn’t cock it until you were ready to. So, there you go. Evan Nappen 27:36 Oh yeah. Teddy Nappen 27:36 The bad guys, oh yeah, yeah. Well, I believe you, but my tommy gun don’t. And it’s like, you’ve been smooching with everybody. Snuffy, Dale, Leo, Little Mo with the gimpy leg, Bony Bob, Cliff, and the guy thinks he’s actually like sleeping with all these individuals. Evan Nappen 27:58 Great. Teddy Nappen 27:59 Yeah. The Thompson 1921 AC sub machine gun. The actual movie is Angel With Filthy Souls. Evan Nappen 28:08 Hmm huh. Okay. Teddy Nappen 28:11 Yeah. Evan Nappen 28:11 So, that was actually a clip from an actual movie? Teddy Nappen 28:14 Yeah, that was funny. And, of course, The Christmas Story with the Red Ryder BB gun. Page – 8 – of 10Evan Nappen 28:20 Oh, the classic of all classics. And in New Jersey, that’s a firearm. It’s not a BB, you know? It’s not just a little old BB gun. There it is, bona fide, defined as a firearm. Teddy Nappen 28:32 Yeah. And they threw in some honorable mentions, like White Christmas. Where it takes, the start is at the Battle of the Bulge. So, you have the M1 Garand coming into play of that. And then. Evan Nappen 28:46 As Patton said, the greatest battle rifle ever devised. Teddy Nappen 28:51 I’d agree. And then you have Scrooged with Santa wielding the XM 556 mini gun. Evan Nappen 29:00 Okay. Teddy Nappen 29:02 And then also Bill Murray with his, remember, he had a stainless snub nose revolver because he’s freaking out that a ghost is there. Evan Nappen 29:10 Okay, yeah. Teddy Nappen 29:12 They couldn’t determine that. Evan Nappen 29:14 He didn’t do much with him and guns, but yeah. Unless it’s some gun for taking out ghosts, right? Ghost Busters. Teddy Nappen 29:22 Oh, and of course, our Majesty’s Secret Service, James Bond and Christmas, what more could you want? With his Walther PPK. Evan Nappen 29:33 Oh yeah, James Bond sometimes had some screwy gun stuff. I remember in one of them where he has an AR7, and the guy’s talking about. And it’s a 25 caliber AR. I’m like, it’s not 25. It’s 22. But hey, what do they know? Teddy Nappen 29:52 Yeah, it’s, this is just a fun list, and it’s something I just kind of like, wow, I didn’t really consider some of these as, like, Chrismas movies. But I guess so. Page – 9 – of 10Evan Nappen 30:03 Well, as long as it has guns in it, we’ll declare them to be Christmas movies. Teddy Nappen 30:08 Fair enough. If it has a gun and it’s a Christmas movie, that’s it. Evan Nappen 30:11 That’s it. That’s the standard from now on. From now on, that’s the standard. Teddy Nappen 30:16 There you go. Evan Nappen 30:17 Oh, that’s good stuff, Teddy. And soon we’ll be enjoying Christmas guns. That’s the deal. That’s the deal. Hey, it is very important that we discuss this week’s GOFU, which is the Gun Owner Fuck Up. These are mistakes that actual clients make that causes them problems, expensive problems. You get to learn for free. And this week’s GOFU is about printing. And I don’t mean printing with your computer printer. I mean about your gun showing when you’re carrying concealed. Now, in New Jersey, it’s not illegal to print. Believe it or not. A gun has to be concealed, but it doesn’t address printing while concealed. However, in New Jersey, you don’t want to print. Because not only do we need to carry concealed, but you want to keep that concealment private and secret. Evan Nappen 31:20 New Jersey is loaded with all kinds of people that are scared of guns, aren’t used to guns, and they can end up calling police because they think someone’s carrying a gun. And next thing you know, even though you’re legal to carry. You also give away tactical advantage, if people can make you as carrying. And this is an issue where individuals can make false accusations against you if they believe that you’re carrying. So, you want to make sure you don’t print when you conceal carry in Jersey. Make sure you are as discrete as possible. Also, you don’t want to inadvertently end up in a sensitive place and have a gun identified on you because you’re printing. You shouldn’t be in a sensitive place, but if you’re printing and in a sensitive place, then you’re going to have a bigger problem. So, be very conscientious when you carry, whether or not you’re printing, or whether your method of carry allows for inadvertent display of your firearm, even for a moment, because you want to stay discrete. You want your concealed carry to be concealed carry, and ultimately that gives you, if nothing else, a tactical advantage of surprise should you need your gun. Evan Nappen 32:51 This is Evan Nappen and Teddy Nappen reminding you that gun laws don’t protect honest citizens from criminals. They protect criminals from honest citizens. Speaker 2 33:01 Gun Lawyer is a CounterThink Media production. The music used in this broadcast was managed by Cosmo Music, New York, New York. Reach us by emailing Evan@gun.lawyer. The information and opinions in this broadcast do not constitute legal advice. Consult a licensed attorney in your state. Page – 10 – of 10 Downloadable PDF TranscriptGun Lawyer S3 E269_Transcript About The HostEvan Nappen, Esq.Known as “America's Gun Lawyer,” Evan Nappen is above all a tireless defender of justice. Author of eight bestselling books and countless articles on firearms, knives, and weapons history and the law, a certified Firearms Instructor, and avid weapons collector and historian with a vast collection that spans almost five decades — it's no wonder he's become the trusted, go-to expert for local, industry and national media outlets. Regularly called on by radio, television and online news media for his commentary and expertise on breaking news Evan has appeared countless shows including Fox News – Judge Jeanine, CNN – Lou Dobbs, Court TV, Real Talk on WOR, It's Your Call with Lyn Doyle, Tom Gresham's Gun Talk, and Cam & Company/NRA News. As a creative arts consultant, he also lends his weapons law and historical expertise to an elite, discerning cadre of movie and television producers and directors, and novelists. He also provides expert testimony and consultations for defense attorneys across America. Email Evan Your Comments and Questions  talkback@gun.lawyer Join Evan's InnerCircleHere's your chance to join an elite group of the Savviest gun and knife owners in America.  Membership is totally FREE and Strictly CONFIDENTIAL.  Just enter your email to start receiving insider news, tips, and other valuable membership benefits.   Email (required) *First Name *Select list(s) to subscribe toInnerCircle Membership Yes, I would like to receive emails from Gun Lawyer Podcast. (You can unsubscribe anytime)Constant Contact Use. Please leave this field blank.var ajaxurl = "https://gun.lawyer/wp-admin/admin-ajax.php";

NASA'S NEW LEADERSHIP AND PRIVATE SPACE Colleague Bob Zimmerman, BehindtheBlack.com. Bob Zimmerman discusses Jared Isaacman's confirmation as NASA administrator and an executive order prioritizing commercial space. Zimmerman predicts Isaacman might cancel the crewed Artemis II mission due to safety concerns with the Orion capsule, signaling a shift away from government-run programs like SLS toward private enterprise. NUMBER 7

Today's show features: 

 - Lawrence Breaud, Dealer Principal at Autos of Forney/VinFast - Jiovan Melendez, Sr. Director, Product at Podium 

 - Liam Golightley, VP, Customer Success at Podium - Kate Downing, COO of Williams Auto Group This episode is brought to you by: Overfuel – Dealers: You're torching $30 of every $100 in marketing spend when your site flunks Google's basic performance test. Why keep using outdated website technology that's killing your profits? Overfuel is the new technical standard in automotive websites, proven to grow sales by 30%+. Whether you need more revenue or better support, they've got you covered. Go to https://overfuel.com/ and use code CDG500 in the comment box for $500 OFF. Podium – Podium is redefining how dealerships engage and convert customers by acting as a fully trained, fully coachable AI team member available 24/7. Dealers can customize Jerry to follow their exact playbooks, speak in their brand voice, and drive more appointments and revenue. Learn more at https://www.podium.com/car-dealership-guy CDG Circles – A modern peer group for auto dealers. Private dealer chats. Real insights — confidential, compliant, no travel required. Visit https://cdgcircles.com/ to learn more. Car Dealership Guy is back with our second annual NADA Party—happening in Las Vegas on Thursday, February 5th. It's the hottest ticket at NADA 2026. Spots are limited and unfortunately we can't invite everyone —so RSVP today at https://carguymedia.com/cdglive and we hope to see you in Vegas! -- Check out Car Dealership Guy's stuff: CDG News ➤ ⁠⁠⁠⁠⁠⁠https://news.dealershipguy.com/⁠⁠⁠⁠⁠⁠ CDG Jobs ➤ ⁠⁠⁠⁠⁠⁠https://jobs.dealershipguy.com/⁠⁠⁠⁠⁠⁠ CDG Recruiting ➤ ⁠⁠⁠⁠⁠⁠https://www.cdgrecruiting.com/⁠⁠⁠⁠⁠⁠ My Socials: X ➤ ⁠⁠⁠⁠⁠⁠https://www.twitter.com/GuyDealership⁠⁠⁠⁠⁠⁠ Instagram ➤⁠⁠⁠⁠⁠⁠ https://www.instagram.com/cardealershipguy/⁠⁠⁠⁠⁠⁠ TikTok ➤ ⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@guydealership⁠⁠⁠⁠⁠⁠ LinkedIn ➤ ⁠⁠⁠⁠⁠⁠https://www.linkedin.com/company/cardealershipguy/⁠⁠⁠⁠⁠⁠ Threads ➤ ⁠⁠⁠⁠⁠⁠https://www.threads.net/@cardealershipguy⁠⁠⁠⁠⁠⁠ Facebook ➤ ⁠⁠⁠⁠⁠⁠https://www.facebook.com/profile.php?id=100077402857683⁠⁠⁠⁠⁠⁠ Everything else ➤ ⁠⁠⁠⁠⁠⁠dealershipguy.com

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