Podcasts about Private

This week on The Business of Watches, we talk to the man who runs the brand that makes the mighty El Primero movement. Benoit de Clerck has been in the CEO chair at Zenith Watches for a couple of years now, and that's coincided with a challenging time for the sector and one of the industry's most storied brands, with more than 160 years of history and still located in its original manufacturing location in Le Locle, Switzerland.  Under de Clerck's leadership, Zenith is responding to the challenges with a multi-pronged approach. It's throttling production to keep sell-in and sell-out balanced, he says. But it's also stepping up its movement, making production expertise and supplying more calibers to other brands, also under the LVMH watch group umbrella. As for those reports and rumors that Zenith is up for sale? We ask de Clerck straight up if the El Primero maker is on the selling block. Have a listen to hear his forceful and fulsome response.  But first, former Hodinkee editor Logan Baker drops in to give his take on Zenith, as well as reports that the valuation of Breitling has been reduced by its private equity ownership. Logan also has a few of his unique vintage Zenith watches on hand for us to check out.  Show Notes  1:30 Logan Baker (Hodinkee)  1:40 A Watch Enthusiast's Guide to Geneva (Logan Baker, Phillips)  2:34 Zenith Manufacture Le Locle  5:13 Zenith Chronometer Calatrava Circa 1964  6:50 Square case Zenith Defy with integrated bracelet  7:34 Zenith Elite Movement  9:45 Morgan Stanley Swiss Watcher Report  10:50 Private equity owners slash valuation of Swiss watchmaker Breitling (FT paywall)  13:15 Zenith Celebrates Its 160th Anniversary With CEO Benoit de Clerck (YouTube, Watch Adviser)  15:25 Hands-On: Zenith's Resurrected Caliber 135-Powered 'G.F.J.' (Hodinkee)  15:49 Hands-On: The Zenith Chronomaster Original Triple Calendar Lapis Lazuli (Hodinkee)  17:01 GPHG Chronometry Prize 2025  18:40 I Spend All Day Researching Vintage Zenith Watches – Here's Why This El Primero Is So Important To Me  20:03 Introducing: Zenith Defy Chronograph USM (Hands-On And Live Pics)  26:03 LVMH response to report Zenith brand is up for sale (Hodinkee story on Baume & Mercier sale) 27:30 Tiffany's New Watch Courts The Male Buyer (New York Times)  32:07 Hublot Big Bang With Zenith Movement (Monochrome)  37:01 Zenith: The Heart of Watchmaking (YouTube)  39:05 Zenith A Visit To The Manufacture  41:02 Zenith GFJ  42:32 CHF x USD (Yahoo)

In this episode, I talk directly to men about why calm is not optional. If you want to lead, if you want authority, calm is a requirement. When emotions rise around you, especially in pressure moments, your job is not to match the energy. Your job is to hold your position. I explain how every pressure event is a test of your stability, and people rank you based on how you respond. If you lose your calm, you lose position, even if nobody says a word. Show Notes: [02:35]#1 Emotional escalation tests your containment, not your empathy. [10:42]#2 Reacting emotionally collapses polarity. [16:03]#3 Calm signals control of consequence. [21:12] Recap Next Steps: --- Power Presence is not taught. It is enforced. If you are operating in environments where hesitation costs money, authority, or leverage, the Power Presence Mastermind exists as a controlled setting for discipline, execution, and consequence-based decision-making. Details live here: http://PowerPresenceProtocol.com/Mastermind  This Masterclass is the public record of standards. Private enforcement happens elsewhere. All episodes and the complete archive: → WorkOnYourGamePodcast.com 

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Are you overwhelmed by nonstop chaos, endless stakeholder demands, or the fear you'll break while scaling up? This episode delivers urgent answers for every COO, integrator, and senior ops leader pushing to get their head above water.Cameron Herold sits down with Kelly Knight, President and Integrator of EOS Worldwide, for a rare, candid look at the systems and mindset that power explosive growth and keep organizations aligned when everything feels impossible. Kelly lifts the curtain on EOS's real role in revolutionizing the “second in command” function, gives you her hard-won playbook for winning over visionaries, and exposes how elite integrators preserve culture, even through private equity takeovers and seismic business model shifts.Stop guessing and start winning. Listen now to avoid burnout, grab proven EOS secrets, and finally align your team before something breaks. These insights are exclusive, actionable, and you won't hear them anywhere else.Timestamped Highlights[00:00] – Chaos or clarity? How EOS aligns human energy when everything's changing[00:02:41] – Why most “second in command” titles are missing the mark (and where EOS fits in)[00:03:27] – The system for managing human energy that built a raving fandom[00:07:14] – Inside the “VI Duo”—the secret sauce that powers badass leadership teams[00:10:11] – One killer meeting rhythm that keeps visionaries and integrators in lockstep[00:13:02] – From outsider to integrator: Kelly's surprising first 90 days and the mistake even top COOs make[00:17:03] – Private equity chaos? How Kelly realigned 27 stakeholder groups and survived[00:27:01] – Navigating massive change: Candid truths about communication, relationships, and earning trust[00:29:44] – Why EOS failed at software and the power of doubling down on your “hedgehog”About the GuestKelly Knight is the President & Integrator of EOS Worldwide, the pioneering force behind Entrepreneurial Operating System®. Known for her expertise in scaling operations, leadership development, and stakeholder alignment, Kelly has guided EOS through private equity acquisition and global expansion. She regularly mentors visionary-operator duos around the world, helping them navigate change and build lasting company culture.

In this episode, I remind you that certainty is felt, not declared. You can't talk people into believing in you if they don't feel it from you. I break down how confidence works like a renewable resource. You don't get it once and keep it forever. You have to build and renew it over and over. People decide to follow you based on your signals, not your words, so if you want leadership, influence, or better results, your certainty has to show up before you even speak. Show Notes: [05:09]#1 A certainty that is spoken is compensatory. [12:00]#2 Certainty establishes hierarchy with no negotiation. [17:29]#3 Interest follows coherence, not intentions. [23:14] Recap Next Steps: --- Power Presence is not taught. It is enforced. If you are operating in environments where hesitation costs money, authority, or leverage, the Power Presence Mastermind exists as a controlled setting for discipline, execution, and consequence-based decision-making. Details live here: http://PowerPresenceProtocol.com/Mastermind  This Masterclass is the public record of standards. Private enforcement happens elsewhere. All episodes and the complete archive: → WorkOnYourGamePodcast.com 

Carl Quintanilla, David Faber, and Sara Eisen kicked off the hour breaking down the tape with Senior Markets Commentator Michael Santoli - as stocks take a big leg lower in the early trade - before talking the road ahead in Iran with the Council For Foreign Relations President Emeritus, Richard Haass... and later in the hour: Department of Defense CTO Emil Michael. Another concern weighing on the markets? Private credit fears - as Blackstone makes headlines with record redemptions from one of its flagship funds. Hear COO Jon Gray pushback on the rumors - and discuss why he's still bullish on the space.    Also this hour: Target CEO Michael Fiddelke - live with Sara from their Minneapolis HQ as the stock gains on strong guidance, and the company kicks off its investor day. How he's dealing with the volatility in geopolitics, prices, tariff refunds, and more...  Squawk on the Street Disclaimer Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Carl Quintanilla, Jim Cramer and David Faber discussed what investors should make of stock markets tumbling worldwide — and oil prices extending Monday's big rally -- on fears of a prolonged Middle East conflict, with the Iran war now in its fourth day. Private credit concerns also in the mix: Shares of alternative asset managers under pressure after Blackstone said its flagship private credit fund was hit by a surge in redemptions. Also in focus: More woes for software as MongoDB plunges, what JPMorgan Chase CEO Jamie Dimon told CNBC about the Iran conflict and inflation, travel stocks extend losses, the deal that sent one particular stock soaring by 60%, Best Buy and Target rise on earnings.   Squawk on the Street Disclaimer Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Jump in with Carlos Juico and Gavin Ruta on episode 276 of Jumpers Jump. This episode we discuss: Creators making their own products, Carlos' tea brand, Jeferry Epstein's Zoro ranch, Tiktok auto-scrolling mystery, Zoro Ranch's escape map, Hunts done at Zoro Ranch, Kik App theory, How Jeferry Epstein got caught, Jeffrey epstein justice fashion show theory, Jeferry epstein's hidden files in storage units, Karmic retribution in movies, Paramount movies jeffrey epstein theory, Emails about elite families, Epstein's therapist, Court footage of attorney whispering, Teenage mutant ninja turtles symbolism, Kai cenat Jaden smith dark video, Jeferry epstein villa exposed, Black phone movie comparisons, Pizza shaped symbols in the villa, Tom hanks leaked picture, Alien files leaked, John Benet Ramsey murder mystery, Selena Gomez cloned theory, Justin Beibers life around the elites, Costa rica locals story, Colombia robbery story, Consciousness and energy, Importance of power, paying to put stuff in the media and much more! Thanks to our Sponsors: -Sign up for your $1 per month trial at https://www.shopify.om/jumpers -Download Cash App Today: [https://capl.onelink.me/vFut/wh9pmopc] #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. Discounts and promotions provided by Cash App, a Block, Inc. brand. Visit http://cash.app/legal/podcast for full disclosures.-Visit https://prizepicks.onelink.me/LME0/JUMPERS and use code JUMPERSand get $50 in lineups when you play your first $5 lineup! Follow the podcast: @JumpersPodcast Follow Carlos: @CarlosJuico Follow Gavin: @GavinRutaa Check out the podcast on YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/JumpersJumpYT Learn more about your ad choices. Visit podcastchoices.com/adchoices

Our Chief Fixed Income Strategist Vishy Tirupattur and U.S. Head of Credit Strategy Vishwas Patkar discuss the implications of private credit's exposure to the software industry.Read more insights from Morgan Stanley.----- Transcript -----Vishy Tirupattur: Welcome to Thoughts on the Market. I am Vishy Tirupattur, Morgan Stanley's Chief Fixed Income Strategist. Vishwas Patkar: I'm Vishwas Patkar, Morgan Stanley's U.S. Head of Credit Strategy. Vishy Tirupattur: While potential disruption from AI has been a key driver for markets [in the] last few weeks, the focus of investor agenda has been in the software sector. On today's podcast, we will talk about software in the credit markets and its implications. It's Monday, March 2nd at 10am in New York. Vishwas, let's start by understanding how the exposure in software manifests in the credit markets. How does it compare to software, say, in the equity market? Vishwas Patkar: Yeah, so the software exposure in credit markets is large, and understandably that's why investors are closely watching what's happening with software in the equity market. But what's interesting and important for investors to note is the exposure in credit is very different from what it is in equities. So, for instance, a good chunk of exposure in the credit market is around private issuers. So, we estimate about 80 percent of companies are private in the whole sample set that we looked at. And that's largely a function of the fact that software is not a big part of the more liquid spaces like Investment Grade and High Yield. But it is heavily represented in the more opaque parts of the market, like leveraged loans, CLOs, and, you know, BDCs. So, our analysis found that about 25 percent of BDC portfolios are in software, closely followed by private credit CLOs. And leveraged loan market was about 16 percent. So, that's an important distinction to keep in mind versus the equity market. The second thing I would flag is – because the software sector grew a lot in the loan market through the LBO wave of 2020 and 2021, it has a weaker credit quality skew to it than the overall market. So about 50 percent of borrowers in the sector are rated B - or lower. So, that's the lowest rungs of the rating spectrum. Many of these software deals were underwritten with higher leverage than the broad market. And as a result of that you also have more front-loaded maturities in the sector, which brings the risks of refinancing, if some of this disruption persists. But Vishy, that's a nice segue to you. Over the past couple of years, you looked at the private credit market in depth and that's where I think the exposure we found is the highest in BDCs, you know, which is the public face of private credit. So, in your assessment, what is the risk of software to private credit, given all of the headlines that are popping up? Vishy Tirupattur: Public face of private credit – Vishwas, that's a great line. BDCs – business development corporations for those who are not familiar – are companies that invest in the debt of small and medium sized companies, sourced through non-bank channels. BDCs fund themselves through equity and debt issuance. So, if you look at the portfolios of BDCs to look at their exposure to software, there's a wide variation across the various BDC portfolios. What makes the assessment of these software risks in BDCs challenging is that many of these companies are private companies without the reporting obligations of public companies. So, no earnings reports, no 10-Ks or cues or broadly publicly available financials look at. So, in effect, these companies need to be re underwritten to evaluate which of these companies would be disrupted from AI; and which companies could actually benefit from AI and see their margins expand. So, in the context of BDCs, liability spreads are something we are watching closely. BDC liability spreads have widened but we think more needs to happen there. The clearing levels need to wait for the full resolution of the companies that benefit and that get hurt by disruption that is still awaited. So, we expect credit spreads of BDCs to remain volatile for some time to come. Vishwas Patkar: Okay. So, seems like this is a significant, or at least a non-trivial risk factor for credit markets, given the growth of the sector, leverage, the skew and quality. But Vishy, do you think this could be systemic for risk markets at large? Vishy Tirupattur: So, I do think that this is a significant risk, but I don't think it's a systemic risk. The amount of leverage in BDC is fairly small. About 2x is the kind of leverage. You compare that to the kind of leverage that existed in the financial system before the financial crisis – that's orders of magnitude smaller risk. And also the linkage to the banking system comes through the back leverage provided to the non-bank lenders. But this leverage is substantially risk remote with very high subordination levels. So, my conclusion here is this is a significant risk but not a systemic risk. So let me turn the same question to you, Vishwas. Taking on a sort of historical perspective as well as a macro perspective, how do you see this risk manifesting in the broader credit space? Vishwas Patkar: Yeah, so I would agree with you Vishy, that we need to see a valuation reset. We think spreads should go wider because of disruption concerns, even if they affect a relatively narrow part of the market. But a lot of that's happening against issuance that's rising. But I would say the risk of systemic concerns really emerging is relatively low. if you look at historical cycles where credit has been the weak link in the economy, those are typically characterized by a lot of corporate re-leveraging. So, think about the late 1990s or from 2004 to 2007 or the early 2000-teens. These are all cycles where corporates were being very aggressive, adding a lot of debt. And you know, when the economy slowed, credit became the source of some default and downgrade concerns. We haven't really seen that type of credit cycle play out at all in the past few years. If you look at corporate debt to GDP, for example, it's gone down each of the last five years. Balance sheet corporate leverage has been flat or actually gone lower in spots. M&A activity, which is usually a good indicator of corporate aggressiveness, still remains below trend. So, I think we have had a fairly restrained credit cycle where in place fundamentals are quite strong. And that's why I think the systemic contagion from any credit spread weakness, I think could be relatively muted. Vishy Tirupattur: So, the key takeaway from us is that software and credit is a significant risk but is not quite systemic risk. Thanks for listening. If you enjoy the podcast, please leave us a review wherever you listen and share Thoughts on the Market with a friend or colleague today.

Welcome to a brand new series on the Let's Get Vulnerable, Your Secure Love Era. In this episode, I'm getting real about why modern dating feels so dysregulating (especially for high-achieving, self-aware women), how insecure attachment and past relational trauma are quietly running the show, and what it actually takes to shift into secure, emotionally available love. If you're exhausted by situationships, mixed signals, and thinking “I thought this time was different,” this episode is for you.Inside this episode:Why modern dating is uniquely dysregulating - The dating apps, the illusion of endless options, the normalization of situationships, and how dopamine-driven swiping keeps you stuck in anxious/avoidant cycles instead of secure attachment.The high-achiever trap in love - How over-functioning, hyper-independence, and “I'll just try harder” energy work in your career… but sabotage your relationships. (Effort can build a business. It can't force emotional availability.)The identity shift into secure attachment - Why knowing about attachment styles isn't enough, how your nervous system determines who you're attracted to, and what changes when you truly embody secure love (hint: calmer dating, faster discernment, and completely different attraction patterns).This series is about more than tips and strategies. It's about an identity-level shift. It's about becoming the version of you who no longer settles for confusion, inconsistency, or emotional unavailability, and who can both give and receive secure, healthy, emotionally available love.Secure love is not about finding the perfect partner. It's about becoming securely attached in your body so you can build something intentional, grounded, and real. And yes… that kind of love is available to you.

In this episode, I explain why hesitation is a disqualification. Whether it's business, sales, or dating, the moment you hesitate, you lower your leverage. I break down how hesitation is never just in your head. Your body shows it through small signals, and people respond to that even if they can't explain what they saw. What feels like you “just thinking” actually looks like uncertainty, and that one beat can cost you the outcome. Show Notes: [04:44]#1 When you hesitate, other people do notice it. [11:50]#2 Internal conflict leaks before words do. [16:02]#3 Hesitation removes polarity by equalizing positions. [22:52]# Recap Next Steps: --- Power Presence is not taught. It is enforced. If you are operating in environments where hesitation costs money, authority, or leverage, the Power Presence Mastermind exists as a controlled setting for discipline, execution, and consequence-based decision-making. Details live here: http://PowerPresenceProtocol.com/Mastermind  This Masterclass is the public record of standards. Private enforcement happens elsewhere. All episodes and the complete archive: → WorkOnYourGamePodcast.com 

About this episode: Private insurers and the government typically reimburse providers based on metrics of appointments and procedures. An innovative approach to health care finance asks doctors and clinicians to measure success differently: by tangible health outcomes. In this episode: Dr. Darshak Sanghavi details the early promise of this approach and how it's empowering communities to focus on better health. Guests: Dr. Darshak Sanghavi is a pediatrician, a health care innovator, and a former program manager at the Advanced Research Projects Agency for Health (ARPA-H). Host: Dr. Josh Sharfstein is distinguished professor of the practice in Health Policy and Management, a pediatrician, and former secretary of Maryland's Health Department. Show links and related content: Transforming Population Health — ARPA-H's New Program Targeting Broken Incentives—New England Journal of Medicine ARPA-H launches program to reduce preventable deaths—ARPA-H Estimating Longitudinal Risks and Benefits From Cardiovascular Preventive Therapies Among Medicare Patients: The Million Hearts Longitudinal ASCVD Risk Assessment Tool—Circulation Transcript information: Looking for episode transcripts? Open our podcast on the Apple Podcasts app (desktop or mobile) or the Spotify mobile app to access an auto-generated transcript of any episode. Closed captioning is also available for every episode on our YouTube channel. Contact us: Have a question about something you heard? Looking for a transcript? Want to suggest a topic or guest? Contact us via email or visit our website. Follow us: @‌PublicHealthPod on Bluesky @‌PublicHealthPod on Instagram @‌JohnsHopkinsSPH on Facebook @‌PublicHealthOnCall on YouTube Here's our RSS feed Note: These podcasts are a conversation between the participants, and do not represent the position of Johns Hopkins University.

Joe's Premium Subscription: www.standardgrain.comGrain Markets and Other Stuff Links —Apple PodcastsSpotifyTikTokYouTubeFutures and options trading involves risk of loss and is not suitable for everyone.

Curious? Watch Our Money Makeover Bootcamp!Ready? Buy Our Simplified Budget System Now!1) Overspending is the norm… and shame is lying to usA lot of people walk around thinking:“I'm terrible with money.”“I can't do math.”“I have no discipline.”But y'all… that's not the real issue. The real issue is not knowing what's safe to spend in the moment. So we guess. And guessing gets expensive.2) The rebellious spending spiral is realWhen we feel like we never have money, we get that “fine, whatever, future me can deal with it” energy:drain the accountswipe the cardturn it into a later problemSeparate accounts remove that fight because there's nothing to rebel against—you already planned for spending.3) Separate accounts = micro-decisions, not daily math OlympicsInstead of:“Did we pay rent?”“Do we have grocery money?”“Can I go to Target or will I regret it?”You get:Spending account balance = what you can spend. Period. That's the whole decision. That's the freedom.4) Replenishment changes your brain (and your habits)When your spending money gets refilled every paycheck (or weekly transfer), it stops feeling like:“now or never” and starts feeling like:“I can spend, and it's coming back.”That's why people naturally spend less without doing a bunch of willpower tricks.5) Tracking culture is exhausting and unnecessary hereSome systems want:receiptscategories tracked to the pennyapps yelling at you like you're grounded

The future of optometry is being shaped in real time. Clinical scope continues to expand. Diagnostic technology grows more advanced. Patients expect greater access and clarity. Business models are evolving. Private equity is entering the conversation. Leadership opportunities are becoming more visible.

Investing” Is Not the Same as “Owning” A client said something to Bruce recently that stuck with me: “I despise the idea of a 401(k)… but I also know I'll spend the money if it hits my checking account.” That single sentence captures the tension so many families feel. https://www.youtube.com/live/1d8Ln6EsBxk On one hand, you want control. You want options. You want the ability to pivot when life changes or opportunity shows up. On the other hand, you've been trained to believe the “responsible” path is to lock money away, chase a rate of return, and hope the future works out. That's why Bruce and I recorded this episode—because most people think wealth is built by finding the right investments. But the families who build long-term, sustainable wealth usually share something deeper: They've learned the difference between investing vs owning assets—and they prioritize control of capital. In the first 100 words, let's say it plainly: if you're only “investing,” you may be building a net worth number, but still living with limited access, limited flexibility, and limited decision-making. Owning assets is different. Ownership changes your options—today, not just someday. Investing” Is Not the Same as “Owning”What You'll Learn About Investing vs Owning AssetsInvesting vs Owning Assets: What's the Difference, Really?Taxable vs Tax-Deferred vs Tax-Free Accounts: Don't Confuse the Account With the InvestmentWhy Too Much Money in Qualified Plans Can Limit Your OptionsTraded vs Non-Traded Investments ExplainedPrivate Real Estate Investing vs REIT: What You're Actually ChoosingWhat Is an Accredited Investor Definition—and Why It MattersHow to Buy a Small Business to Build Wealth (Even If You're a W-2 Earner)“Who Not How”: Build Ownership With the Right TeamInvesting vs Owning Assets in Everyday Life: A Simple Self-AssessmentInfinite Banking as a Wealth Strategy: Where Ownership and Control Show UpInvesting vs Owning Assets: Ownership Changes Your OptionsListen to the Full Episode on Investing vs Owning AssetsBook A Strategy CallFAQWhat is the difference between investing vs owning assets?What does traded vs non-traded investments explained mean?Is a REIT the same as owning real estate?Why do qualified plans like 401(k)s reduce control of capital?How do I build wealth outside the stock market? What You'll Learn About Investing vs Owning Assets In this blog (and podcast), Bruce Wehner and I unpack what we called the “unseen wealth gap”—the gap between families who primarily invest and families who intentionally own assets. Here's what you'll gain by reading: Clear definitions: taxable vs tax-deferred vs tax-free accounts (and why most people confuse the account with the investment) The real difference between traded vs non-traded investments Why so many families feel trapped inside qualified plans (401(k)s, IRAs, SEP IRAs, SIMPLE IRAs, 403(b)s, 457s) Practical ways to build wealth outside the stock market—even if you're a W-2 earner How liquidity and access to capital can matter more than a projected rate of return Where Infinite Banking and cash value life insurance can fit into an ownership strategy And just to be clear: this is education and perspective—not individualized financial advice. Our goal is to help you think better, ask better questions, and make decisions with more clarity. Investing vs Owning Assets: What's the Difference, Really? People hear “ownership” and say, “But I own stock. Isn't that ownership?” Technically, yes—you own shares. But for most everyday investors, that “ownership” often comes with very little control. Here's the simplest way we can say it: Investing often means you participate in an asset's performance, but you don't control decisions, timing, access, or outcomes. Owning assets means you have more influence over the decisions, the structure, the cash flow, and the information—especially when you own businesses, real estate, or private assets where you can ask questions and understand what's actually happening. Bruce made a point that's worth repeating: with public companies, you cannot call the CEO, ask hard questions, or influence strategy. With many private ownership structures (like certain partnerships), you can talk to the sponsor, review details, ask “what happens if…,” and understand the philosophy and vision—not just the numbers. That difference—access to information and decision-making—is part of the wealth gap. Taxable vs Tax-Deferred vs Tax-Free Accounts: Don't Confuse the Account With the Investment One of the biggest misunderstandings we see is this: people treat the account type as the investment. They'll say, “I'm investing in a Roth,” or “I'm investing in my 401(k).” But your 401(k) is not the investment. It's a tax bucket. Taxable accounts These are accounts where you typically pay taxes as you earn interest/dividends or realize gains (like selling a stock for a capital gain). Think brokerage accounts, bank interest, and many dividend-producing holdings. Tax-deferred accounts (qualified plans) These include 401(k)s, traditional IRAs, SEP IRAs, SIMPLE IRAs, 403(b)s, 457s, and some annuities. Tax-deferred means you generally postpone taxes now and pay later—plus you follow IRS rules for access and distribution timing. This is where many families have the majority of their money… and also where many families feel stuck. Tax-free strategies (or tax-advantaged) This category can include Roth IRAs, certain municipal bond interest, some forms of home equity, and properly structured life insurance strategies (depending on your situation and compliance). The point isn't that everything is “tax-free.” The point is: many families never even explore this category beyond “Roth or not.” When you only see two options—pay tax now or pay tax later—you miss the strategies that create flexibility. Why Too Much Money in Qualified Plans Can Limit Your Options Bruce said something that we see all the time: Some families have 95%—sometimes close to 100%—of their money inside qualified plans. Then life happens: A business opportunity shows up A real estate purchase requires speed A family emergency requires liquidity A market downturn makes you hesitate to sell assets A capital call comes due And suddenly the real problem isn't “returns.” It's access. If you want to understand how to build wealth outside the stock market, start with this question: Do I have enough capital outside qualified plans to act when opportunity (or adversity) arrives? This is why we talk so much about liquidity strategy and access to capital. Control isn't a philosophy. It's practical. Traded vs Non-Traded Investments Explained This is one of the most important distinctions in the whole conversation. Traded assets Traded assets are priced and exchanged in public markets—stocks, many ETFs, and other exchange-traded products. You get liquidity, but you also get the “whims” of market psychology. Bruce gave a powerful example: an apartment portfolio could be collecting rent just fine, but if investors panic, the traded price can drop anyway because people sell. So the asset can be stable—while the price swings. Non-traded assets Non-traded assets are not priced minute-by-minute on an exchange. That usually means less liquidity, but potentially more stability in valuation and often different risk/return expectations. Bruce used the example of non-traded real estate structures where the sponsor purchases assets, manages operations, and the investors participate based on the structure. This is where the key phrase comes in: liquidity and access to capital. Non-traded can mean you can't exit quickly. That can be a feature or a risk—depending on whether you planned for it. Private Real Estate Investing vs REIT: What You're Actually Choosing Real estate is a perfect example because people can “invest” in real estate in multiple ways. REITs A REIT (Real Estate Investment Trust) can be traded or non-traded. The big difference you experience as an investor is usually liquidity and market pricing behavior. Private real estate ownership This includes owning rental properties directly, participating in partnerships, or investing in private deals like syndications (depending on eligibility and suitability). If you're asking, “Is this investing or owning?” here's a helpful lens: If you're buying a ticker symbol, you're mostly buying market exposure. If you're buying an interest in a specific asset and can ask questions about operations, assumptions, and scenarios, you're closer to ownership behavior—even if you're not the operator. And of course, none of this is “good” or “bad” by default. The question is: what fits your goals and your risk tolerance? What Is an Accredited Investor Definition—and Why It Matters Bruce explained the reality that certain private investments require accredited investor status. At a high level, that status can involve income thresholds or net worth thresholds (with certain exclusions, like primary residence equity). The reason it matters is simple: access. But let's not miss the bigger point: You don't need to be accredited to start shifting from “only investing” to “increasing ownership.” Business ownership, skill-based service businesses, local cash-flowing acquisitions, and many forms of direct real estate ownership do not require that label. So if you're not accredited, don't let that become a mental dead end. There are still practical ownership paths. How to Buy a Small Business to Build Wealth (Even If You're a W-2 Earner) Rachel here—this part matters because people assume business ownership has to mean: Starting a tech company Buying a major franchise Quitting their job overnight Taking huge risks with no plan

What if I told you that you don't have to wait until licensure to start a private therapy practice? In today's episode, Annie shares her remarkable story about starting a private therapy practice as an associate therapist, something nearly everyone told her was impossible. Annie went from juggling part-time nanny work and struggling to keep two or three clients, to receiving 8–9 inquiries a month and building a nearly full caseload at her highest fee…all before getting licensed.In our conversation, she reveals the exact strategies that worked: redesigning her website using StoryBrand messaging to actually speak to her ideal clients, running Google Ads successfully when "everyone" said they wouldn't work, and learning to trust herself instead of all the external doubt and noise.If you're an associate therapist feeling scared, underpaid, or convinced that starting a private therapy practice isn't realistic for you right now, this episode is proof that with the right strategy and support, it absolutely is.More about Annie Patyk:Annie Patyk is an associate marriage and family therapist based in San Francisco, CA. She specializes in helping high-achieving women break cycles of anxiety, perfectionism, and self-doubt to build lives that feel authentic and aligned. Annie is passionate about helping her clients stay connected to their ambition while cultivating self-trust and honoring their deepest desires.Topics covered on How to Start a Private Therapy Practice:How Annie went from struggling with 2-3 clients she couldn't keep to getting 8-9 inquiries a month and building a nearly full caseloadHow redesigning her website using the StoryBrand framework became the foundation for successfully running Google AdsThe biggest shift she made in her consultation callsEveryone told her she'd never make enough money as an associate, but she decided to start a private therapy practice anyway and quit her nanny job in less than a yearThe difference between fear-based noise and the quiet knowing that comes from real intuitionThe financial reality of starting a private therapy practice - what client acquisition actually costs and how quickly you recoup your investmentConnect with Felicia:Get my freebie & join the email list: The Magic SheetsInstagram: @the_bad_therapistWebsite: www.thebadtherapist.coachConnect with Annie:Website: anniepatyk.comEmail: annie.patyk.therapy@gmail.comResources from this episode:Liberated Business: www.thebadtherapist.coach/liberatedbusinessRelated episodes:Handling Fee Objections: What to Say When a Therapy Client Says Your Fee Is Too Expensive [Ep 152]Therapist Consult Call: The Simple Fix to Boost Your Client Conversion Rates [Ep 89]Quote:“The main mediator between people who are successful and people who are not, is that they're able to be in that space of frustration and not knowing for long periods of time, and just keep going.” Annie Patyk

In this episode, I explain why containment creates relational safety for men. Attraction is not just about looks. It is about risk, and a woman is always assessing whether she feels safe with you. I break down how control, consistency, and emotional containment signal safety, while emotional leakage signals danger before you even say a word. If you cannot control your energy, you might be exciting in the short term, but you will never be a long term option. Show Notes: [04:56]#1 Emotional volatility is a threat that is not passion. [11:10]#2 Containment establishes asymmetry without force. [15:05]#3 Women submit sexually to what can hold consequences. [17:50]#4 Recap Episodes Mentioned: 3332: How To Be A "High Value" Woman [Part 1 of 2] 3333: How To Be A "High Value" Woman [Part 2 of 2] Next Steps: --- Power Presence is not taught. It is enforced. If you are operating in environments where hesitation costs money, authority, or leverage, the Power Presence Mastermind exists as a controlled setting for discipline, execution, and consequence-based decision-making. Details live here: http://PowerPresenceProtocol.com/Mastermind  This Masterclass is the public record of standards. Private enforcement happens elsewhere. All episodes and the complete archive: → WorkOnYourGamePodcast.com 

Episode 279-Bang or Bong. Maybe both. Also Available OnSearchable Podcast Transcript Gun Lawyer — Episode Transcript Page – 1 – of 11 Gun Lawyer — Episode 279 Transcript SUMMARY KEYWORDS Supreme Court case, marijuana user ban, Second Amendment rights, ACLU, NRA, New Jersey, Hughes amendment, West Virginia, machine guns, loopholes, gun rights, felon restoration, Epstein files, Michael Bloomberg, gun violence prevention. SPEAKERS Speaker 2, Evan Nappen, Teddy Nappen Evan Nappen 00:16 I’m Evan Nappen. Teddy Nappen 00:18 And I’m Teddy Nappen. Evan Nappen 00:20 And welcome to Gun Lawyer. So, we have some exciting things coming in the future here. I want to make sure the listeners are well aware. In the Supreme Court, we have a case coming up that is going to look at the prohibitor for firearm possession concerning marijuana use, if you’re a user of marijuana. And the case is U.S. versus Hemani. This is very interesting, because it is widely believed that the Court is going to strike down the gun ban for marijuana users. Regardless of how you feel about marijuana use, I’m looking forward to seeing this opinion, because it may be useful in knocking down other gun disqualifiers. Because, folks, gun disqualifiers, such as the gun ban for marijuana use, is an area of exploitation by the gun rights oppressors. Evan Nappen 01:38 So, if they can’t just get a flat out gun ban through, which they try to do all the time, if they can piece meal gun bans to various classes of individuals, then they get the job done that way. That’s why you see the ever expanding list of persons who they try to get disqualified from being able to exercise their Second Amendment rights. And this case has, I believe, potentially very far reaching implications as to subverting that anti-gun rights, that gun rights oppression tactic. So, we want to look at it at as more than just the marijuana. It will be fascinating to see it be a victory, because we have parties in support of this ban going away as diverse as, on the same side now, the ACLU and the NRA. Both. The ACLU is in favor of getting rid of the marijuana user gun ban, because it is, of course, beneficial to in their view, I’m sure, legalization of marijuana, which is something that they would be in support. The NRA is in favor of it going away, because it is consistent with The NRA’s position of supporting Second Amendment rights. So, this has created the classic strange bedfellows situation. (https://www.marijuanamoment.net/aclu-attorney-confident-supreme-court-will-strike-down-gun-ban-for-marijuana-users-after-oral-arguments-next-week/ ) Page – 2 – of 11 Evan Nappen 03:28 But ultimately, what we see coming from it should be a victory for gun rights. And I believe and hope it will be even further reaching than simply addressing the marijuana question. It’s going to be, I believe, very helpful in fighting other disqualifications. Remember, New Jersey is one of the states that tries to always have an expansive list of what disqualifies a person from being able to exercise their Second Amendment rights. They love to create disenfranchisements of our rights because they are rights oppressors, and this tactic, hopefully, will be taking a hit here. So, we’ll keep you informed about the progress and what occurs under the Hemani decision. Teddy Nappen 04:30 I will say, just from the ACLU, just to be clear, they are heavily backed by the Democrat for their super PACs. I’m just saying. Like that is the, and I can’t wait to see all the individuals of the ACLU all out in mass as they’re about to help win a pro-gun victory as well. Yeah. Evan Nappen 04:55 I guess they’re looking at it more as a pro-marijuana victory and ending prejudice toward marijuana users. But whatever their motivation may be, we are going to be consistent in our support for Second Amendment rights. Getting rid of disqualifiers is getting rid of disqualifiers that are disenfranchisements to our Second Amendment rights. So, hey, at least they’re on the right side on this one, and maybe we can get them to continue to see the light on other disqualifiers. Such as restoration of rights for felons and such, right? I mean, this is something you would think they would be in favor of, as well, for restoration of rights. You paid your dues. You served your time. And if you’re not a violent felon, why are you disenfranchised of your rights? I mean, even violent felons, when you get right down to it. I mean, there’s, I missed that in the Second Amendment, where it says we have a right to keep and bear arms, unless you’re a felon, you know, or any of these exemptions. They aren’t there. So, to what degree we tolerate them, to what degree we may think they’re even valuable, I don’t know, but we need to. I’d rather be seeing us pull back on every type of ban and maximize freedom and maximize our Second Amendment rights. Evan Nappen 06:31 Also, in regards to maximizing our rights, there is a really interesting I just love this. I love this. There is an attempt, now, a very shrewd attempt on the pro-rights side to create the ability to get around, yes, a loophole, folks. Because you know what loopholes are. Loopholes are freedom finding a way. And this. Teddy Nappen 07:08 I thought it was a hole in a Castle. Evan Nappen 07:10 Yeah. Right, exactly. Loopholes were the hole in the castle that you would fire your arrows from, because you would still be protected. You could still fire through those, those square, rectangular hole. They’re the loopholes. So, that’s why they’re called that. But, anyway. The key loophole here is in the Hughes Amendment. What there’s an attempt to do, particularly in West Virginia, who has taken the lead here with a bill in West Virginia, which is SB 1071. This is right from AmmoLand, by the way. Page – 3 – of 11 (https://www.ammoland.com/2026/02/contact-chairman-willis-now-sb1071-could-restore-machine-gun-rights-in-west-virginia-if-it-gets-a-hearing/) It could restore access to modern machine guns. That’s right. Evan Nappen 08:00 What they’re doing, what they’re attempting to do is a bill that will create a state run Office of Public Defense within the West Virginia State Police. To procure and sell modern, select-fire machine guns directly to qualified, law-abiding citizens. That’s right. You know how some states have State liquor stores. This will become the state machine gun store. That’s right. It can operate via the Hughes Amendment. Now, the Hughes Amendment was the law back in ’86 that prohibited the, I mean, actually the Hughes Amendment prohibited the new, the sale of new manufacture of machine guns. Okay? So, that created this situation we have now where it’s legal for a citizen to obey the NFA and acquire a machine gun and pay the $200 tax. But the problem is no new machine guns could be put into registration, you see. And that created this essentially, artificially, ridiculously high, crazy prices to own full auto. So, this bill takes the Hughes Amendment and essentially flips the script on the Hughes Amendment by stating that, and this is under Title 18 922(o), that the Hughes Amendment. Here’s, the key loophole language. “. . . does not apply with respect to a transfer to or by, or possession by or under the authority of, a State or any department or political subdivision thereof.” Evan Nappen 10:20 So, in other words, the bill will create a State agency that purchases machine guns and transfers them by quote, right in the law, “by or under the authority of”, the State of West Virginia. The transfers are therefore fully compliant with federal law and critically exempt from the National Firearms Act $200 transfer tax because they’re government facilitated. It’s brilliant. It’s brilliant. It’ll make it so that qualified persons, any adult, who can legally possess firearms under federal and state law, they’d undergo a background check at state police, state police troop headquarters. The office would, where possible, prioritize West Virginia manufacturers, operate distribution points using existing facilities, and issue official state certificates of transfer. Subsequent transfers between qualified citizens would require a simple $275 re-transfer fee through the office, which is waived for heirs. A $250 surcharge per gun plus a modest administrative fee capped at 50 bucks, would flow to the new Public Defense Fund to cover costs, generating revenue for the state without raising taxes. Evan Nappen 11:48 And it was GOA (Gun Owners of America) that drafted this bill. This is really cool. And now I think Kansas is putting a bill forward, and I’m sure we’ll see other pro-gun states moving to create this. This way we can gut the Hughes Amendment and open up the market for new full auto. And by doing that, they’ll become even more commonly owned and become an even greater argument for the Second Amendment and their protection. Eventually, with enough exploitation of loopholes, laws themselves that created the original ban become useless and in fact, go away. We’ve seen this happen. We’ve seen this happen. For example, when it came to NFA Trusts, to purchase NFA, you had to get, at one point, what was called a chief law enforcement officer to sign off. And if your chief didn’t sign off on that, you could not appeal it. You were just dead in the water and could not acquire NFA. Then along comes the idea of setting up a trust where trusts do not require a chief law enforcement to sign off. So, everyone started doing NFA Trusts to acquire NFA, because it avoided the Chiefs sign off. And Page – 4 – of 11 because of that, there were about 10,000 trusts at ATF on NFA. So many just got around it that they finally just repealed the rule and said, guess what? You don’t need to have your chief law enforcement approve it. They just have to get notice of it. But they got rid of the sign off. Why? The loophole defeated it. Evan Nappen 13:50 We see that even going on with switchblades. We’ve seen how there’s been a huge expansion in knife rights based on the ability to work the loopholes for interstate sale and for state sales to be independent. And how the federal prohibition was simply affecting very specific transactions under federal law. To the point where the federal government, in trying to uphold the federal switchblade law, said, as one of their justifications, well, the law isn’t even enforced anymore. That’s right. Why? Loopholes! Loopholes. Freedom finding a way. And so this is exciting to see this taking place on machine guns. Finally going at the NFA. Not shying away from taking on the big stuff. Not letting them get away with claiming that any firearm is somehow intrinsically evil, wrong or bad. We’re finally fighting back with offense. Offense for once. Not just totally on the defense. Evan Nappen 15:07 Speaking of which, you may encounter a new group called “Bridging the Divide”. (https://bridgethedividenow.org/wp-content/uploads/2026/02/Brief-Policy-Outline.pdf) Bridging the Divide on Firearm Policy. Oh yeah, they’re claiming that there’s some bipartisan, that they have taken pro-gun folks and anti-gun and uniting them on principles that everybody believes in. They’re claiming to do this. And here’s their wonderful policies. Lo and behold, when you look closely at this so-called, you know, “Bridging the Divide”, which is, you know, bridging the gap, which is more of laying a trap, my friends. Laying a trap. What you see are their policies that they’re claiming is, you know, they have this bipartisan, so to speak. This is pro-gun and anti-gun right oppressors. Gun rights oppressors and gun rights people. Evan Nappen 16:08 And of course, here’s their policies. They have eight of them, eight of them. This so-called “Bridging the Divide.” One, Prohibiting Factors for Firearm Purchase and Possession. This is right from their “Firearm Policy Outline.” They want to prohibit gun possession by those convicted of violent crime at the misdemeanor level while removing state restrictions on those non-violent felonies. So, they want to expand prohibitions to misdemeanors. Claiming, of course, non-violent felonies, right? Yeah. And then remove prohibition of gun purchases by persons who use marijuana. Well, yeah, guess what? The Court’s already going to kill that. So, they’re throwing this in. They want to, essentially, what they’re looking to do is expand prohibitions to misdemeanors. Who’s kidding who? Come on. Give me a break. Evan Nappen 17:04 Two, Background Checks. Create state level background checks for private sales. Oh, so, in other words, Universal Background Checks, and they want to impose it state by state. More of that. So, end private sales. But they want to have “logical exemptions”? Well, it’s the same, so-called logical exemptions. Let’s just instead of logical, we’ll call it “narrow”, narrow exemptions. No. Private sales should remain private sales. It is more of an intrusion, more of oppression, on our gun rights. How about three? What’s the third thing? Extreme Risk Protection. Oh, seriously? Red flag. We have seen, Page – 5 – of 11 experienced, and are currently experiencing the unbelievable denial of due process that takes place from that garbage. Evan Nappen 17:55 Four, Dealer Registration and Gun Trafficking. They want to focus on the small number of dealers from whom the majority of traced crime guns originate. Oh, really? Well, guess what? What creates those statistics? Anytime they’re run – when guns are seized. And if you’re seizing guns the way New Jersey does, at the drop of a hat and those guns are run, that raises dealer numbers as quoting “crime guns”, even though they’re not crime guns. It is absolutely a flawed basis, and they want to focus on that. Five, Child Firearm Access Prevention. Oh, lock up your safety. That’s what that’s called. Lock up your safety to protect the children. Here we go again. Six, Firearm Suicide Prevention. Ah. In states where murder rates are low, well, let’s go at suicide. Anything we can do to go at the guns, right? And what happens with suicide prevention? Oh, well, that’s the wellness check. You know what’s going on in New Jersey with wellness checks? Anybody calls on anybody, and the police come. They take you away. They take your guns. They hold you for about three days to see if you’re okay. And even though you’re fine, now we got to fight to get your rights back. Fight to get your guns back. There’s a million ways to kill yourself, folks. Focusing on the gun isn’t the answer. Focus on actual causes. But no, it’s just an excuse. Teddy Nappen 19:34 I think the biggest issue with this whole concept of “Bridging the Divide” is take a step back and let us, let us be on equal terms. Here’s the problem, they cannot define what an assault firearm is. They are. Evan Nappen 19:50 Wait, wait, Teddy. I haven’t even gotten to that yet. I haven’t gotten to that. Teddy Nappen 19:54 All right. Evan Nappen 19:54 Number seven, Firearm Injury Prevention Education. They want to tie public health to firearm injuries. Why? Because that goes to healthcare so they can regulate it. Get it regulated back through the health, federal health agencies. Get it back to the CDC. Get them back on it. Cranking out anti-gun nonsense. That’s the game. Eight, Community Violence Intervention. Oh, that gets funding to who? Anti-gun groups. That’s what it’s about. Evan Nappen 20:33 So, we’re looking at these policies and then who’s on it? Well, their board is chock full, chock full of all former and bunch of all anti-gun rights folks. Then they sprinkle in a few that are supposedly pro-gun. So, who’s one of them? Rob Pincus. Rob Pincus is on there, proudly on there. They have listed him as a gun rights advocate. Except here’s a little article from Lee Williams back in March 29, 2021, from thegunwriter.com. (https://thegunwriter.substack.com/p/huh-rob-pincus-supports-expanded?utm_source=publication-search) It says, “Huh? Rob Pincus calls for expanded background checks, gun control and then says he didn’t.” Oh, really? Interesting. You can read that article and see. Page – 6 – of 11 The people they’re getting on board. There’s no major player there that is truly an advocate of our gun rights that I could find, and plenty that aren’t. Evan Nappen 21:30 Nowhere in their policy does it say repeal assault firearm bans, repeal large capacity magazine bans, repeal sensitive place prohibitions, or enact national reciprocity. All the things that we’re fighting for, for our rights. No. All it is is more, more, more. Just a subterfuge of more bans, more back doors to taking away rights. I didn’t see a damn thing here that expands our rights. Nothing. It’s just take, take, take. And package it as some kind of compromise. Their compromise is always us giving up our rights. Forget it, folks. Just forget it. Evan Nappen 22:18 And finally, let me point out, right from The Trace, right from The Trace. Sent out in an email blast, and I just want to read you this from The Trace. (https://mailchi.mp/thetrace/inside-the-loosely-regulated-world-of-gun-manufacturing-4869976?e=a13774efb8) This is fascinating. “Since the Trump administration snatched. . . ” This is The Trace. Snatched. They think of the Mel Brooks. You know, sees snatched, right? But anyway. “Since the Trump administration snatched funding from gun violence prevention . . .” Oh, in other words, let’s decode that. Since Trump took away all the money going to gun rights oppression groups, “. . . the field’s practitioners have had to confront an uncertain future.” Oh, they’re no longer getting the money from the Government. Huh. “Without federal dollars, state and local governments will have to decide whether to pick up the tab. It’s far from a sure thing. Gun violence intervention programs have long had to fight to prove the value of their work. The problem, however, is that it’s difficult to measure. Studying gun violence is expensive, and the nature of violence makes it a uniquely challenging subject to pull apart.” In other words, to propagandize into an anti-gun policy, to take away our rights. “And while gun violence research has seen a resurgence in recent years, the Trump administration cut funding for that field, too.” Yeah, isn’t that cute? I love it. “. . . meaning the available evidence for these programs could grow slimmer.” Evan Nappen 23:46 So folks, The Trace is bitching and moaning about losing their money, and who took it from them? President Trump. And it’s about time. There’s no reason our tax dollars need to go to oppression of our gun rights, and it’s the Trump administration that ended this funding. Keep that in mind. Teddy Nappen 24:10 Just to kind of going back to the whole issue. Whenever the Left try to present themselves like no, no, we need to find these common sense issues. Okay. Let’s define our terms, because the Left does not see the Second Amendment as a right. We know this because the Left wing nut case of a judge, Jackson went and broke down her entire descent of Bruen, describing how it is not a right. It’s a privilege. Arguing that when we deal with gun cases, you have to consider the victims of gun violence rather than looking to the law and the Constitution. That is where they’re coming from. They’re coming from the stupidity and suicidal empathy when they say they’re bridging the gap. That is their argument. Page – 7 – of 11 Evan Nappen 25:01 Just don’t fall for it. Don’t fall for it. But here’s something that you would, that you would like to do, something that you should do, something that you would enjoy doing. And that is going to WeShoot. WeShoot is an indoor range in Lakewood, New Jersey. It’s the range where Teddy and I shoot and where we get our training. You will love WeShoot. And WeShoot is offering some great deals on guns. As a matter of fact, they have a Troy A4 Defender. It’s compact, balanced, and NJ compliant. This platform delivers serious capability in a maneuverable package. It shoulders naturally, runs smoothly, and feels purpose built. They also have a Sig Sauer P365 AXG Fuse. This is where innovation meets metal. The AXG alloy grip module gives you the premium weight and control, while the longer slide and enhance sight radius makes fast, accurate shooting effortless. Try out that SIG P365 at WeShoot. Evan Nappen 26:16 They’re also offering a Smith & Wesson CSX. Now, this is a micro-compact with an aluminum frame and a very crisp single-action trigger feel. It’s slim. It’s refined, and it’s built for discrete carry without sacrificing shoot ability. It has that classic metal construction in a defensive, ready size. Also, you can see Julianna and the MAC 5. This is a retro-inspired style with modern execution. The MAC 5 delivers iconic roller-delayed energy, and Juliana brings the confidence to match. So, check that out as well. Go to weshootusa.com, weshootusa.com. Check out the guns, check out Julianna, and check out the great things that are offered there. Fantastic training, top training. You can get your CCARE certificate so you can get your carry and have a great time in their pro shop. The service you’ll receive is second to none. Go to weshootusa.com. Evan Nappen 27:37 Also, please, please make sure you are a member of the Association of New Jersey Rifle & Pistol Clubs. They are the premier gun rights group in New Jersey. They are the umbrella organization of gun clubs in New Jersey. They are fighting for our rights. My good friend and colleague, Dan Schmutter, is there in federal court. He’s doing a great job. We’re waiting for some more results to report. Exciting times. We’re going to have some, I feel, excellent results over “sensitive places”, the magazine ban and the assault firearm ban, as we keep fighting and slogging through it. Getting our rights back. Plus the Association is on guard at the courts, at the legislature and the courthouse, both. We have a full-time paid lobbyist and, man, New Jersey is always a challenge. So, make sure you’re a member. Go to anjrpc.org and join today. You’ll get news sent right to your email. You’ll get a beautiful newsletter, and you’ll know that you’re part of the solution. You want to be part of the solution. The solution to the problem. The problem is gun rights oppressors, and the Association fights them in the belly of the beast, New Jersey, right there. ANJRPC.org. Evan Nappen 29:04 And don’t forget to get a copy of my book, New Jersey Gun Law. It’s the bible of New Jersey gun law. It is the book you need to navigate through the insanity that is New Jersey gun law. I try to make it as easy as possible. Question and answer format with 120 topics. It’s a book everybody uses, and you need one. Just go to EvanNappen.com and order yours. And when you get it, don’t lend it out, because you’ll never get it back. I hear that complaint all the time. So, make sure you keep your hands on it, or you’ll lose it. Go to EvanNappen.com and get a copy of New Jersey Gun Law today. Now, we have Press Checks with Teddy. Teddy, what do you have for us today in Press Checks? Page – 8 – of 11 Teddy Nappen 29:50 Well, as you know, Press Checks are always free, and I just want to preface this on this one. Where you see in the news media, they’ve been pushing the whole Epstein thing. All right? They’ve been trying to push that. And of course, the Left ended up destroying themselves, as they’ve lost multiple power players who have been implicated in the whole, in the whole surroundings that it comes with the Epstein files being released. And one of the individuals who, by the way, this individual had close ties to Jeffrey Epstein since, like, the early days, Michael Bloomberg. You know, maybe it was because he had a, you know, big gulp in his hand, and that’s why, you know, he’s like, Oh, how dare you. But, yeah. Teddy Nappen 30:41 So, we go to AmmoLand, where this was a wonderful article written up by Alan Gottlieb. (https://www.ammoland.com/2026/02/ccrkba-demands-bloomberg-come-clean-about-epstein-relationship/) Regarding the fact that now we are demanding that all the anti-gun groups, including Everytown, including all of his multi anti gun right the gun rights oppressors groups cut ties with Michael Bloomberg. You know, the money. And there was, I actually went. And funny enough, anyone can do this. You can go on to the Epstein files on the government website, and they have the entire files library. You can type in word searches. So, you type in “Michael Bloomberg”. I went and read through the different documents on it. Now, to preface this, there was no showing of wrongdoing in what was discovered by the fact he was. However, he was invited with Michael Bloomberg, George Stephanopoulos, Eric Schmidt, all these individuals, to a cocktail party with Jeffrey Epstein to watch The Imitation Game. You know, that movie about Alan Turing where he broke the German Enigma. Okay. Bear in mind, this is 2015. Jeffrey Epstein had already been convicted of the first initial charges back in 2000. Evan Nappen 32:05 He was a felon, you know. So, hey, they love to make a point that they shouldn’t have guns. Epstein kept trying and trying and trying to get his rights back so he could get guns. Yet, here he is with the king of anti-gun funding, Bloomturd. Teddy Nappen 32:25 Yeah. Evan Nappen 32:26 What’s that all about? Teddy Nappen 32:27 There was also a letter. Now, again, there was no direct correspondence with Michael Bloomberg. However, there was a letter from Maxwell, Jillian’s mother, basically inviting him to attend a premiere, apparently, this was a movie, Power of Good. I’ve never heard of this one. But this very clearly shows that there was direct information going back and forth. There was also, it seemed to be, there was a massive invitation, and Jeffrey Epstein was trying to create this almost investor group. I want to tell you. Like he wanted to make this online new media. He was naming these board of directors, one of which was Michael Bloomberg, the Rothschild, Lee Rothschild, Alan Goodman. So, various individuals. He Page – 9 – of 11 seemed to be almost like a financial advisor or a bank roller for Jeffrey Epstein. Again, there’s no showing of wrongdoing, but it’s just, clearly, he had a relationship with him. Even highlighted to the articles where, in 2011 the Palm Beach Daily News, Epstein’s address book included Michael Bloomberg. In 2013, there were multiple pictures taken with Bloomberg and Maxwell together having book parties at the Four Seasons restaurant in New York City, where I guess they were reading gender queer, but also the level. Evan Nappen 33:51 Well, the way they brought in the Clintons to the committee, they need to bring Bloomberg in. I mean, you know, this is. The Left kept pushing and pushing and pushing about the Epstein files. Hoping against hope, that they could somehow get President Trump on this, when, in reality, what we’re seeing is it blowing up in the Left’s face, aren’t we? Teddy Nappen 34:12 Yeah. Also, here’s a really big one. Epstein was invited to a Bloomberg hosted fundraiser for Plaskett. Congresswoman Plaskett. You know, the woman who took direct funding from Jeffrey Epstein, actually got donation money. So, not only was he hosting the dinner, cordially inviting Epstein to come on down. Even writing a letter. Please join our host. Michael Bloomberg. Dear Jeffrey Epstein, please join our host, Michael Bloomberg, to the dinner. So, very clearly he was running in these circles. There’s a very clear tie relationship. Again, no showing of wrongdoing. There wasn’t a direct correspondence with him in the emails. And if you actually go through a lot of the emails, he would email news articles. That’s why you know Bloomberg News. And he would email them to others. So, that did also come up. It just shows the very clear ties. This is the one that really sticks out to me. Documents release revealed he was interested in gun politics and Bloomberg’s work. They don’t show direct donations to EveryTown. However, in 2013 there’s an email soliciting Epstein for a donation to American for Responsible Solutions, which is run by Gabby, Gabby Giffords, who later became Giffords. Evan Nappen 35:34 That’s right. But all they care about with Epstein is Trump. And how does that all relate? Is Trump in the Epstein files, Teddy? Teddy Nappen 35:46 Oh, very much. Yes, yes, Trump is in the Epstein files. Okay, I’ve got to tell this to everyone here. The black pillars, all those out there, we do not have all the information. We know that for a fact. Okay? Has it been mishandled? Absolutely. Pam Bondi should resign. Fall on her sword. Because she has damaged the administration on Trump for the mishandling with the stupid binder gate, all the stupidity of, oh, I have the client list on my desk. That was a lie. And the whole situation there. However, if you actually look at the timeline, you can go see the articles. See the full breakdown of it for Donald Trump. Teddy Nappen 36:24 Here’s the timeline, 2004 to 2005, there was reported abuse by a 14-year-old girl by Epstein. Then Trump immediately ended the relation with Jeffrey Epstein. Banned him from Mar a Lago. In 2008, Epstein was convicted with the help of Donald Trump, who cooperated with the victims of Jeffrey Epstein’s lawyer, who fully deposed himself to the lawyers. As opposed to all the other people that are Page – 10 – of 11 implicated, who just stayed away. He actually went in to help the victims. Imagine that. And going in next 2000, after Maxwell is convicted as well, where she trafficked to Epstein. Also in 2019, he’s later arrested again. Guess who’s President in 2019? Donald Trump. He was arrested for sex who invested arrested Epstein for sex trafficking, and then he’s later dead in 2019. So, not only does it exonerate, where, after he was convicted, Trump broke off all relationships with Epstein. He helped get Jeffrey Epstein. That is all that they have on Donald Trump when it comes to Jeffrey Epstein. Teddy Nappen 37:32 All the fake news, all the fake and you know why he said hoax? He wasn’t saying the Jeffrey Epstein whole pedo ring was a hoax? No, he is saying hoax, as in talking about the Dems whole plot to directly connect Trump to the pedophile ring. That is their plot. That was the hoax. Was it misspoken? Yes, Trump fires from the hip. Sue him. That’s how it goes. But actually looking at the facts of what came down, this is what he should have said. Under four years of Biden, not one committee was formed to go at the Epstein files, to go after the Epstein files. The Dems didn’t even want to touch it, which, by the way, all the people that were running in Epstein circles, Schumer, all the, all the heavy donators, Bill Gates, all these individuals are running in Michael Bloomberg, running heavily donations, including Jeffrey Epstein, who heavily donated to the Democrats. So, it’s the level of insanity that goes into it. Teddy Nappen 38:37 By the way, for everyone to remember. Did you know? Did you also know the fact that all of a sudden, the victims who never spoke out during the four years under Biden are now taking Super Bowl ads saying, release more files. Okay, what happened to we have our list. We’re making our list. Just say it. Are you worried about defamation? Musk said he’ll pay for defamation. And good luck as trying to go after women of victims of sexual abuse. I’m sure a go fund me will be immediately formed and covered. So, what are you waiting on? Oh, that’s right, these are just political cudgels for you to abuse. Okay? That is a fact, and that’s what I’m saying to the victims who, all of a sudden, will not name names. So, that it’s one of the big things, like, very clearly, it’s being used as a political tool. They don’t actually want to release the names. Evan Nappen 39:28 Well, I think it’s interesting that it’s come around to Mr. Bloomberg, and that has major effect in terms of funding of further gun rights oppression. He needs to explain the way they’re looking at it. Forced it to be opened up. Hey, guess what? You’re there. You need to explain it now. At least do that. Teddy Nappen 39:52 Also this. Evan Nappen 39:53 There you go. Teddy Nappen 39:54 Proof in concept. Peter Mandelson, who was directly connected to Jeffrey Epstein. He was Keir Starmer’s Cabinet Minister, who just recently resigned. He resigned in shame. So, the proof is in the Page – 11 – of 11 proof is, in fact, that this has the effect. If we could break up Bloomberg from EveryTown. I mean, there is their money. They have nothing aside from. Evan Nappen 40:17 Well, they’re not getting funding anymore from the Government. Yeah, from USAID killed all that. Yeah, so that’s good. Well, let me tell you, Teddy, about this week’s GOFU. That is a Gun Owner Fuck Up, where you learn about expensive mistakes that others have made so that you don’t make them. Now this week’s GOFU that I want to talk about, might even be considered a future GOFU. But it applies still today. If West Virginia, Kansas, or any of these places end up creating State machine gun stores, if you will, which I believe they will, and this ends up taking off, make sure that you do NOT, as a non-resident of those states, acquire a machine gun from those states and then, no less, bring it to New Jersey. In other words, the GOFU, in the big picture, is you have to be cognizant of your jurisdiction and what you’re doing in your jurisdiction, and when you’re in another jurisdiction, what you can and can’t do. Evan Nappen 41:34 We see the jurisdictional problem arise all the time. Whether it’s in carrying a gun where you’re allowed to carry in one state and not in another, whether it’s purchase or possession of a firearm in any given state versus another, people bringing guns or accessories or other things that were legal in one place and illegal in another. The burden is on you to know this. I am constantly seeing cases where people make that very critical error. So, the GOFU, in a general term, my friends, is make sure you know your jurisdictions laws and do not inadvertently violate them because you are in another jurisdiction, and you are coming into this other jurisdiction, this is where the trouble can begin. It can be quite serious. So, be very cognizant of this when dealing with guns. Evan Nappen 42:40 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 42:51 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. Downloadable PDF TranscriptGun Lawyer S5 E279_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";

How did the Warner Bros. bidding war affect Netflix and Paramount stock? And why are private lenders selling off sharply? Plus, what do investors think of Block's steep layoffs? Host Jack Pitcher discusses the biggest stock moves of the week and the news that drove them. Sign up for the WSJ's free Markets A.M. newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

How did the Warner Bros. bidding war affect Netflix and Paramount stock? And why are private lenders selling off sharply? Plus, what do investors think of Block's steep layoffs? Host Jack Pitcher discusses the biggest stock moves of the week and the news that drove them. Sign up for the WSJ's free Markets A.M. newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, I explain why authority is taken, not granted. I don't believe people respect you because they like you or think you're smart. They respect authority when resisting it would cost them more than accepting it. At a basic level, it's about power and consequences, not feelings. People fall in line because it makes practical sense, not because they were persuaded. Show Notes: [02:47]#1 Any authority that you have must be enforced, not requested.   [11:46]#2 Consistency makes authority unavoidable. [19:06]#3 Distance protects authority more than proximity. [27:14]#4 Recap Next Steps: --- Power Presence is not taught. It is enforced. If you are operating in environments where hesitation costs money, authority, or leverage, the Power Presence Mastermind exists as a controlled setting for discipline, execution, and consequence-based decision-making. Details live here: http://PowerPresenceProtocol.com/Mastermind  This Masterclass is the public record of standards. Private enforcement happens elsewhere. All episodes and the complete archive: → WorkOnYourGamePodcast.com 

It doesn't start with control. It starts with everything you've ever wanted.The constant texts. The overwhelming attention. The "I've never felt this way about anyone." It feels like being chosen. Being seen. Being the center of someone's entire world. That's the trap—because what feels like devotion in month one is actually reconnaissance.This episode maps the escalation of coercive control using the McKee-Tepe case as the connective thread. According to witnesses, Monique Tepe's seven-month marriage to Michael McKee allegedly went from photos of a happy couple to death threats, strangulation, and forced sex. There is not a single police report. No restraining order. No documented complaint. From the outside, this looked like a short marriage that didn't work out.Michael McKee's documented credentials were impeccable: National Merit Scholar, Ohio State medical graduate, board-certified vascular surgeon, no criminal history beyond traffic tickets. According to the people closest to Monique, the private reality was allegedly something else entirely. That duality isn't a contradiction. It's the operating system of coercive control.We break down love bombing as acquisition, not affection. The micro-adjustments that turn attention into monitoring. The unwritten behavioral code you learn through consequences. The dual identity—the public mask versus the private reality—that makes it nearly impossible for anyone outside the relationship to believe what's happening inside it.And we confront the question survivors dread most: "Why didn't you see the red flags?" Because red flags only exist in hindsight. In real time, they're disguised as everything you wanted.If something in this episode sounds familiar—not from a case file, but from your own life—that recognition matters.Join Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/channel/UC8-vxmbhTxxG10sO1izODJg?sub_confirmation=1Instagram https://www.instagram.com/hiddenkillerspod/Facebook https://www.facebook.com/hiddenkillerspod/Tik-Tok https://www.tiktok.com/@hiddenkillerspodX Twitter https://x.com/TrueCrimePodThis publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice.#CoerciveControl #MoniqueTepe #MichaelMcKee #SpencerTepe #LoveBombing #DomesticViolence #RedFlags #EmotionalAbuse #TepeCase #HiddenKillers

In this week's episode of The Wrap, Chris Whalen breaks down the unraveling of private credit and why retail investors were never suitable for these investments in the first place. He explains how private credit shops have quietly gained access to Federal Home Loan Bank funding through insurance company acquisitions — a taxpayer-subsidized arrangement he finds extraordinary and plans to investigate further. On markets, Chris argues liquidity will be the defining theme of 2026, with money rotating out of speculative and private assets back into public markets. He also flags early warning signs in consumer credit, names the specific companies to watch for deterioration, and explains why the mortgage market needs rates to fall further before any real pickup in activity. On precious metals, Chris details a seismic secular shift underway as India joins China in moving away from COMEX pricing toward Asian markets — and warns that if COMEX cannot deliver physical metal against futures contracts, it could be forced out of the business entirely.Use the code TheWrap2026 for 25% off your first year of The Institutional Risk Analyst https://www.theinstitutionalriskanalyst.com/plans-pricingLinks:    The Institutional Risk Analyst: https://www.theinstitutionalriskanalyst.com/  Inflated book (2nd edition): https://www.barnesandnoble.com/w/inflated-r-christopher-whalen/1146303673Twitter/X: https://twitter.com/rcwhalen    Website: https://www.rcwhalen.com/   Timestamps:0:00 Intro and welcome to The Wrap with Chris Whalen0:49 Private credit is unraveling — are retail investors about to run like Silicon Valley Bank3:51 The insurance company play5:20 Does the insurance and private credit connection create contagion risk6:05 Nvidia beats but the market sells it — is the AI trade structurally broken8:07 Why has the broader market held up despite the tech and SaaS selloff9:00 Liquidity is the theme of 2026 10:12 Banks discussion 14:49 Mortgage market — 30 year rates dip below 6%, does it last16:42 Will we see more rate cuts — Chris's expectations for Kevin Warsh as Fed Chair18:37 What it would take to unlock the housing market20:34 Tariffs21:50 The most important things for markets to focus on right now22:36 Silver — COMEX and London are losing their role as price setters26:36 Chris's portfolio — gold, silver, junior miners and why productive capacity matters27:18 Viewer question — Basel III, central banks, and gold as a tier one asset29:44 What Chris is watching and writing about next week31:12 Where to find Chris and The Institutional Risk Analyst — 25% off for viewers

p3 radio ep 447 Private Beach by Richard and Josh

Chris Markowski discusses the realities of the financial world, emphasizing the importance of understanding economic context over short-term market fluctuations. He analyzes recent GDP figures, compares historical economic performance, and critiques government regulations that hinder growth. Markowski also shares his thoughts on the character of the economy, the waste of talent, and proposes solutions for improvement, including tax reform and regulatory changes. The conversation highlights the role of private equity and credit in the current financial landscape, urging listeners to be aware of the risks involved.

 Chris Markowski, the Watchdog on Wall Street, delves into the complexities of the financial world, exposing the dark realities of private equity, corporate bureaucracy, and the role of consultants. He discusses the impending reckoning for corporate America, the importance of a personal CFO approach to financial planning, and the future of social security. Markowski also critiques the accountability crisis in business news and addresses misconceptions surrounding tariffs and trade deficits, emphasizing the need for financial literacy and preparation.

MFS, a big lender based in London, has been making risky loans and is in the British equivalent of bankruptcy. Now, investors are buying up U.S. government bonds, and lenders are pulling back from the riskiest parts of the private credit markets. Is there a bigger pattern here? We'll discuss. Then, Anthropic is rejecting the Pentagon's demands for unrestricted use of its technology, and we'll hear how business is going for a Main lobster fisherman.

Schadenfreude is when you feel good watching someone else fail. In this episode, I break down why that feeling shows up so often, especially when a public figure falls from the top. People call it justice, but many times it is really about restoring their own psychological balance. When someone who seemed above everyone else crashes, it makes some observers feel equal again. The hierarchy feels corrected. I explain why we attach to people at the top, and why we also feel satisfied when they fall. It is two sides of the same psychological coin. Show Notes: [02:57]#1 A famous person.  [09:59]#2 Schadenfreude equalizes status without effort. [13:02]#3 Moral narratives get violated, validated after the fact.  [15:32]#Recap Episodes Mentioned: 3537: Why People Live Vicariously Through Celebrities Next Steps: --- Power Presence is not taught. It is enforced. If you are operating in environments where hesitation costs money, authority, or leverage, the Power Presence Mastermind exists as a controlled setting for discipline, execution, and consequence-based decision-making. Details live here: http://PowerPresenceProtocol.com/Mastermind  This Masterclass is the public record of standards. Private enforcement happens elsewhere. All episodes and the complete archive: → WorkOnYourGamePodcast.com 

Dan Nathan hosts Peter Boockvar to discuss the rapid growth of private credit, arguing it has replaced bank lending but now faces rising defaults, potential liquidity mismatches as retail capital enters evergreen funds, and limited stress-testing in a downturn; they cite pressure in leveraged loans, gating/redemptions, and examples like Blue Owl financing tied to CoreWeave's asset-heavy model and customer concentration. They connect credit stress to equity risk via the capital structure and watchpoints like the LSTA leveraged loan index, high yield spreads, and HYG. Boockvar outlines a leadership shift away from hyperscalers toward equal-weight and “boring” sectors like energy and staples, while warning a deeper tech decline could still pull markets down. They cover oil's inflation implications, a challenging labor market, cautious consumers per Walmart/Home Depot/Lowe's, bullish long-term gold/silver dynamics, stronger international performance, and Japan's rising long-end yields affecting carry trades and global flows. Checkout Peter's SubStack: https://boockreport.com/Follow Peter on X: https://x.com/pboockvar?lang=en —FOLLOW USYouTube: @RiskReversalMediaInstagram: @riskreversalmediaTwitter: @RiskReversalLinkedIn: RiskReversal Media

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Today's Post - https://bahnsen.co/4u0yp3O David argues there is growing, often uninformed media hysteria about private asset markets that affects everyone and conflates many separate issues into one negative narrative. David says the Dividend Cafe aims to deliver truth in a discernible, actionable way by parsing distinct “stories,” including AI's potential impact on software firms and related loans, liquidity dynamics and loan quality in private direct lending, limited partners versus investors in private asset management companies, the implications of offering private-market investments to retail investors, and capital-markets “indigestion” from many sponsors trying to sell companies amid limited buyers. Bahnsen criticizes financial media for blending these topics to drive clicks and ratings, creating hype while obscuring important distinctions and actionable understanding. 00:00 Media Hysteria Setup 01:41 Why Nuance Matters 02:15 Ten Stories Not One 04:28 Media Incentives And Clicks 05:46 The Catchall Narrative 07:24 Closing Take On The Hype Links mentioned in this episode: DividendCafe.com TheBahnsenGroup.com

MFS, a big lender based in London, has been making risky loans and is in the British equivalent of bankruptcy. Now, investors are buying up U.S. government bonds, and lenders are pulling back from the riskiest parts of the private credit markets. Is there a bigger pattern here? We'll discuss. Then, Anthropic is rejecting the Pentagon's demands for unrestricted use of its technology, and we'll hear how business is going for a Main lobster fisherman.

Just today over in Europe, two of the continent's biggest insurance companies put out statements that show this thing has already gotten very serious. At the same time of course, European banks just bought another epic amount of govt bond safety, the second most in any month on record, after telling the ECB they're highly risk averse and who can blame them with everything that keeps coming out. Eurodollar University's Money & Macro Analysis----------------------------------------------------------------------------------What if your gold could actually pay you every month… in MORE gold?That's exactly what Monetary Metals does. You still own your gold, fully insured in your name, but instead of sitting idle, it earns real yield paid in physical gold. No selling. No trading. Just more gold every month.Check it out here: https://monetary-metals.com/snider----------------------------------------------------------------------------------Insurers See Themselves Shielded From Private Credit Worrieshttps://www.bloomberg.com/news/articles/2026-02-26/axa-s-buberl-sees-concern-over-private-credit-says-exposure-lowDeutsche Bank Leads EU Lenders' Exposure to Shadow Bankshttps://www.bloomberg.com/news/articles/2025-12-11/deutsche-bank-most-exposed-in-europe-to-shadow-banks-ubs-sayshttps://www.eurodollar.universityTwitter: https://twitter.com/JeffSnider_EDU

For more than a decade, the dominant Western narrative about Chinese lending to African countries has focused on the purported "debt trap." But the data tells a very different story. David McNair, executive director of Global Policy at ONE.org, joins Eric & Cobus to discuss a new report on African debt that challenges many popular assumptions. While African countries owe $708 billion in total external debt, only about 11.5% is owed to China. Meanwhile, private bondholders hold the largest share, often at significantly higher interest rates. More importantly, China has shifted from being a major lender to becoming a major debt collector, as loans from the Belt and Road that surged a decade ago now come due. 

Curious? Watch Our Money Makeover Bootcamp!Ready? Buy Our Simplified Budget System Now!Check Out Alicia's Podcast!https://open.spotify.com/show/7LZPlI86I3ARLjrJhvSxLMLet's Take Our Relationship To The Next Level:1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coachingThis podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.Click here to view our privacy policy.

Problems are piling up on private equity and credit lenders, and it's spreading to the banks. OpenAI closed a $110 billion fundraising round, rocketing the company's valuation to $730 billion. Plus, the bid for Warner Bros. Discover finally ends with Paramount as the victor, but Wolfe Research says Netflix wins anyway. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Send us fan responses! Ready to run private, bank clean, and keep your identity out of public files? We break down a step-by-step playbook for building an unincorporated association that passes due diligence, opens accounts at major banks, and aligns with your goals for privacy and control. From the first brick—your virtual address, business phone, and professional email—to advanced choices like digital residency in Palau or Estonia, we connect the dots so you can verify identity, access platforms, and scale without relying on a Social Security Number.We get specific about status and structure. You'll hear why national vs citizen language changes how systems view you, how police handbooks and treaty protocols treat foreign nationals, and where common law trust concepts show up in practical banking. Then we move into execution: how to obtain an EIN with “FOREIGN” in the SSN field by fax or mail, and when to use a registered agent to streamline the process. We share the exact documents that make bankers nod—mission statement, bylaws or constitution, trustee roster, indemnity and NDA clauses, meeting minutes, and a clear banking resolution that names authorized signers.To tie it all together, we map the unincorporated association to familiar UBO and business trust models, explain beneficiary options like a nonprofit or 508(c)(1)(A), and show how to keep your operations coherent, compliant, and private. You'll leave with a realistic view of timelines, the tools to prove legitimacy without overexposure, and the confidence to open accounts at institutions like Chase or PNC. If you want a structure that respects your data, secures your funding pathways, and keeps your governance tight, this walkthrough was built for you.If this helped clarify your path, subscribe, share it with a builder who values privacy, and leave a review with your biggest question—what step are you taking next?https://donkilam.com https://open.spotify.com/track/5QOUWyNahqcWvQ4WQAvwjj?autoplay=trueSupport the showhttps://donkilam.com

In this episode of Excess Returns, we sit down with Cullen Roche to discuss his new book Your Perfect Portfolio and the deeper principles behind building a portfolio that actually fits your life. Rather than starting with asset allocation models or return forecasts, Cullen reframes investing around risk, time horizons, and lifetime consumption. We explore how to think about stocks, bonds, factor investing, international diversification, private assets, inflation hedges, and more through the lens of financial planning and asset liability matching. This is a practical, wide ranging conversation about portfolio construction, behavioral risk, and how investors can align their investments with real world goals.Main topics covered:Why you are a saver, not an investor, and why that distinction mattersDefining risk as uncertainty of lifetime consumptionThe temporal conundrum and matching investments to time horizonsHuman capital as your most important asset and how it impacts portfolio riskThe pros and cons of a 100 percent stock allocationRethinking the 60 40 portfolio after inflation and rising ratesInternational diversification and valuation differences between US and global marketsFactor investing as a time horizon tool rather than an alpha strategyThe forward cap portfolio and skating to where the market cap puck is goingInflation protection strategies including stocks, TIPS, gold, and the permanent portfolioRisk parity and the tradeoff between diversification and returnCountercyclical rebalancing and managing behavioral riskPrivate equity, venture capital, and the illiquidity premiumDefined duration investing and asset liability matching for individual investorsThe real impact of inflation, taxes, and fees on long term returnsTimestamps:00:00 Risk as lifetime consumption and asset liability matching01:03 Introduction to Your Perfect Portfolio05:25 You are a saver, not an investor08:24 Defining risk and uncertainty of lifetime consumption10:15 The temporal conundrum and time horizons12:38 Using past performance and forecasting responsibly15:00 Human capital and portfolio construction17:12 The case for a 100 percent stock allocation19:50 Rethinking the 60 40 portfolio24:00 Adding international diversification29:43 Factor investing across time horizons35:00 The forward cap portfolio concept38:27 Inflation hedges and the permanent portfolio42:27 Risk parity explained44:49 Countercyclical rebalancing47:17 Private assets and illiquidity51:25 Defined duration strategy and Discipline Funds ETFs56:00 Real returns after inflation, taxes, and feesIf you are interested in portfolio construction, asset allocation, financial planning, factor investing, inflation protection, or building a long term investment strategy that matches your goals, this conversation offers a thoughtful framework for thinking differently about risk and returns.

Jim Weil, Managing Partner at Private Vista, shares how the firm's culture and core values shape the client experience, outlines how he monitors key risks, and discusses the most significant trends emerging in the RIA space. He also explains how Private Vista is leveraging technology and innovation to enhance its practice—while preserving the personalized service that clients expect.

Don't miss this week's Money Metals exclusive interview, this time with Charlie Garcia of R360 and a former advisor to six U.S. Presidents. Charlie gives the backstory on the well-covered topic of Chinese export restrictions on silver, and what it's going to mean for silver prices. Don't forget to also follow us on social media for more important precious metals updates! https://www.youtube.com/@Moneymetals | https://www.facebook.com/MoneyMetals | https://instagram.com/moneymetals/ | https://twitter.com/moneymetals | https://www.pinterest.com/moneymetals/

Markets navigate a broad shift away from megacap tech as energy, utilities, and transports surge while volatility persists beneath the surface. Plus, consumers remain resilient despite affordability pressures, private credit concerns linger, and AI driven productivity gains raise new questions about jobs, margins, and the next phase of economic growth. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this quarterly review episode, Julie and Jacquie reflect on what private practice owners experienced in 2025 and what to expect in 2026. From staffing challenges and rising expenses to burnout and big leadership transitions, they share what they are seeing behind the scenes with real practices. If you want clarity, stability, and a plan for navigating uncertainty, this conversation will help you focus on what you can control and build a business that lasts.3 Reasons to ListenLearn what is actually happening in private practices right now. Get real insights from end-of-quarter reviews with dozens of practice owners. Avoid the most common financial mistakes owners are making.From lifestyle creep to overpaying clinicians to stepping back too quickly, they break down where practices are getting into trouble and how to prevent it.You will learn why emergency funds, intentional growth, and strong leadership habits matter more than ever in a changing economy.Highlights[00:01:31] Private practice is still viableSuccess remains possible across models.[00:02:43] Awareness, intention, attentionThree traits of stable practices.[00:03:23] Clinician pay expectation mismatchHigh pay, low caseload tension.[00:04:14] Benefits must match revenueSustainability over generosity alone.[00:05:35] Owner draws under pressureLifestyle creep creates hidden risk.[00:06:56] Emergency funds are essentialRisk planning protects your practice.[00:07:41] Something will always happenPlan for inevitable disruptions.[00:08:57] Ten years of steady growthSlow growth beats flashy scaling.[00:09:51] Strong foundations matter mostStructure supports long-term success.[00:10:21] The power of saying noAlignment over shiny opportunities.[00:11:23] Advisors prevent bad decisionsOutside perspective adds clarity.[00:13:47] Owners want to step backBurnout driving leadership changes.[00:14:26] Gradual clinical director transitionShift responsibilities slowly.[00:16:54] One-year transition timelineStability requires patience.[00:17:19] Never abdicate responsibilityStay engaged with your numbers.[00:18:35] Protect yourself from surprisesKeep access to key systems.[00:20:23] 2026 uncertainty aheadInsurance and intake instability.[00:21:16] Control what you canFocus on efficiency and accountability.[00:22:27] Hard conversations are necessaryActionable steps over blame.[00:23:29] You always have choicesOwnership means responsibility.Resources & LinksSchedule a free consultation with GreenOak Accounting: https://www.greenoakaccounting.com/consultationMoney for Therapists Practice Startup - https://www.greenoakaccounting.com/startupGreenOak Accounting - www.GreenOakAccounting.comTherapy For Your Money Podcast - www.TherapyForYourMoney.comProfit First for Therapists - www.ProfitFirstForTherapists.comProfit First Academy - www.ProfitFirstForTherapists.com/Academy Podcast Production, Audio Mixing, and YouTube Video Production by James Marland Get the All About Taxes Course.

AI risks and private credit concerns sent the 10-year treasury yield below 4%, says Charles Schwab's Collin Martin. He points to the data center buildout dampened by CoreWeave's (CRWV) earnings sell-off adding skepticism in the tech trade. As for what JPMorgan Chase (JPM) CEO Jamie Dimon calls "cockroaches" in the financial space, Collin addresses what differentiates the good, bad, and ugly in private credit. ======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

The private credit market has grown fivefold since 2008 — it's somewhere near the $2 trillion-mark globally. In this episode, we explain why policies aimed at alleviating the Great Recession triggered an explosion of non-bank lenders, and why their loans are riskier for the economy than traditional loans. Plus: Analysts expect wholesale inflation cooled a bit in January, retailers fret over a late-winter slump, and stock market predictions are sort of like baking a cake. Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.

The private credit market has grown fivefold since 2008 — it's somewhere near the $2 trillion-mark globally. In this episode, we explain why policies aimed at alleviating the Great Recession triggered an explosion of non-bank lenders, and why their loans are riskier for the economy than traditional loans. Plus: Analysts expect wholesale inflation cooled a bit in January, retailers fret over a late-winter slump, and stock market predictions are sort of like baking a cake. Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.

Understanding sounds noble, but I'm going to say it straight. In this episode, I explain why the need to be understood is emotional, not intellectual. When I need everyone to “get me,” I'm already giving up some of my authority. Predators in the wild don't stop to explain themselves. They move with clarity and power. The more you feel the need to explain, justify, and translate yourself for everyone, the more you start editing who you are. I break down why chasing understanding can weaken your position and what to do instead if you want to lead with real authority. Show Notes: [04:05]#1 The need to be understood forces you to explain.  [12:00]#2 When you need understanding, you surrender timing. [16:39]#3 Results do not require comprehension, only alignment with reality. [19:23]#Recap Next Steps: --- Power Presence is not taught. It is enforced. If you are operating in environments where hesitation costs money, authority, or leverage, the Power Presence Mastermind exists as a controlled setting for discipline, execution, and consequence-based decision-making. Details live here: http://PowerPresenceProtocol.com/Mastermind  This Masterclass is the public record of standards. Private enforcement happens elsewhere. All episodes and the complete archive: → WorkOnYourGamePodcast.com 

Bloomberg's Odd Lots hosts Joe Weisenthal and Tracy Alloway speak with David George, general partner at a16z and head of the firm's growth fund, about why $5 trillion in tech market cap now sits in the private markets, how that figure has grown 10x in a decade, and what it means for founders, employees, and investors. They also cover SPVs, tender offers, the collapse of legacy software valuations, and why AI companies may be speed-running the path to public markets. This episode originally aired on Bloomberg's Odd Lots podcast.   Resources: Follow Joe Weisenthal: https://twitter.com/TheStalwart Follow Tracy Alloway: https://twitter.com/tracyalloway Follow David George: https://twitter.com/DavidGeorge83 Listen to Odd Lots: https://www.bloomberg.com/oddlots Stay Updated:Find a16z on YouTube: YouTubeFind a16z on XFind a16z on LinkedInListen to the a16z Show on SpotifyListen to the a16z Show on Apple PodcastsFollow our host: https://twitter.com/eriktorenberg Please note that the content here is for informational purposes only; should NOT be taken as legal, business, tax, or investment advice or be used to evaluate any investment or security; and is not directed at any investors or potential investors in any a16z fund. a16z and its affiliates may maintain investments in the companies discussed. For more details please see a16z.com/disclosures. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Another day, several more critical development in the credit markets. Loss projections are soaring. A second fund stepped forward acknowledging asset sales (at lower prices). Big (related) shift in rates markets that ties in the Fed, yield curve, and everything else. Here we go over all three; what happened, what it all means. Eurodollar University's Money & Macro Analysis------------------------------------------------------Eurodollar University's Free Guide (video) to interpreting market signals. Taken from the EDU membership, it will help you learn fundamentals necessary to deciphering and decoding market information in a useful manner, unlike everything you get from mainstream sources. https://web.eurodollar-university.com/home------------------------------------------------------Private Credit Fears Deepen With UBS Warning of 15% Defaultshttps://www.bloomberg.com/news/articles/2026-02-24/ubs-now-sees-private-credit-defaults-reaching-15-in-worst-caseBoaz Weinstein Warns ‘Wheels Coming Off' Private Credit Fundshttps://www.bloomberg.com/news/articles/2026-02-24/boaz-weinstein-warns-wheels-coming-off-private-credit-fundsPrivate Credit Fund Is Selling $477 Million of Assets at 94% Value as Industry Worries Continuehttps://www.bloomberg.com/news/articles/2026-02-24/new-mountain-bdc-is-selling-477-million-of-assets-at-94-value

This episode felt especially important to bring back.If you've ever found yourself emotionally attached too quickly, overlooking red flags, or confusing chemistry with compatibility, this conversation is for you.Inside this episode, I walk you through how to:Slow down without losing momentumStay emotionally grounded in the early stagesDate with intention instead of urgencyBuild real safety and discernment from the startIf dating has felt rushed, confusing, or emotionally draining lately, this is a powerful re-listen (or first listen).Ready to stop running from your emotions, rewire your attachment patterns, and embody secure attachment so you can have the kind of relationship where you are seen, heard, and loved, even on your worst days,I invite you to apply for my Private 1:1 Coaching container, Empowered Secure Love.Apply here: